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Show August 24. 2001 The Summit Countv Bee Life Subscribe To The Summit County Bee Do you know what to do with your BY DAVID FLINT I uh n'fKnil Oilier (KOI) 524 2300 insurance. pensioitjprofit haring401k)distribution? Should you lake it in a lump turn, establish an IRA rollover or pay raxes tax averaging? I Theae dedsiona have significant tax and earnings implications, so you'll want to discuss them with people who have professional training and the dedication to help you plan for a secure future. Moipn Stanley a call today and well help you develop a financial plan. A free Employer Plan Distribution Analysis is available without obligation. Give Biyanlloyd Fust Vice President, Financial Advisor 136 Hebor Ave. Suita 206 Parh City, Utah 84060 (800) Insurance and Retirement Funding Once you ictire, will you have any need tor hfe insurance? The answer hi that question may not he as simple as it seem. Retirement does not necessarily mean the end to vour need for life Changing jobs or retiring? However, as with any other major life change, you should life your insutance coverage to be sure it is adequate. If. as you near retirement, you still have dependents who would suffer financial hardship if M-- R.n S, CJ).N. MorganStanley Moigan Stanley and in Rnincid Advison do nor provide us advice. Investors should advisor befarc anlnag any twdsaj iusuunent decisions. consult their pmonal i MsqpsiHlvbsanisiooiksfMsqpsMvDMiWkMfcCk laisnaisfcsSMshMsfMiSaslqf 03001 Msq you die. you should consider having life insurance. On the either hand, if you no longer have dependents, you may find you have less of a need fir life insurance. So. what are your o(Hions with your permanent life insurance policy? One place to start is to talk with your agent. He or she can help you determine what is appropriate for you in your situation. Here are some ideas that you might want to discuss with your agent if you have a whole life policy: Keep the policy in force indefinitely by converting it to a paid-u- p policy. You pay no more premiums, but the amount of insurance is reduced. The accumulated cash American Institute for Cancer Research Q: Is hummus a good source of vegetarian protein? A: A traditional Middle stern dip or spread, humo mus is made from chickpeas and oil tahini brans)? (a sesame seed paste that resembles peanut butter and is quite high in (gar-banz- fat). Each tablespoon contains about one gram of protein. A little on some pita bread or carrot sticks is considered a condiment and does not represent a serving of protein. A half-ce- p portion in a salad or sandwich, however, makes a healthy, meatless protein dish. But watch the calorie and fat content as you increase portions. A half-cu- p of most commercial and homemade versions contains about 200 calories (fine, as long as you dont overdo the pita bread) and 10 to 12 grams of fat. Although this comes from healthy types of fat, you might watch for some new recipes that use less oil and tahini to reduce fat content. And beware of super high-frecipes for hummus that can contain over 400 c ilories and 24 grams of fat per halfat cup. Q: Is it true that eating the wrong l x ids together causes weight gain? A: No. Some popular diet books it .wehavL 'S' fsate' vwk... 0 b Achieve anything. p that certain foods should be eaten at the same time, claiming that' the digestive mis-.ken- ly enzymes they require compete with each other, supposedly leading to weight gain. Such ideas are totally out of step with modern science. The different enzyme systems that digest protein, fat and carbohydrates do not in any way interfere with each other. And undigested food does not lead to weight gain in any case. People with digestive disorders tend to lose weight because they are unable to absorb the calories their bodies need. Weight gain comes from eating and drinking more calories than you bum up. The New American Plate, an educational campaign of the American Institute for Cancer Research (AICR), emphasizes that healthy eating involves two steps. First, choose a balanced variety of nutritious foods two-thir(or more) fruits, d grains and vegetables and animal (or less) protein. Second, stick to portions just large enough to satisfy hunger and meet appropriate calorie and nutrient needs. Eat one food group at a time if you want, but Regardless of the type of life insurance policy you have, it is a good idea to review your coverage and options with your agent as you approach retirement age to be sure that your policy will continue to meet your needs. For further information on how life insurance may help meet your retirement needs, please call David 1 or stop by his Flint at in office at 2 South Main. Suite Heber City. 1 Loans accrue interest and reduce the death benefit. 2 Dividends are based on the policy's applicable dividend scale or interest crediting rate. Dividends are not guaranteed. 671-110- 2-- C health-promotin- lhnjountf HIGH COUNTRY ARE YOU AN HEALTH FOODS ORGAN DONOR? 1680 We BM. St C 3S3 one-thir- most people Find that their energy and concentration are best maintained when each meal contains a variety of whole grains, vegetables and fruits (carbohydrates), plus a modest amount of protein. Q: Are croutons fattening? A: If you are asking whether croutons add a lot of calories to your salad or soup, that depends on how many you add. A quarter cup (a small handful) adds only 30 to 35 calories and about one gram of fat. While that's not a lot of calories, those calories don't accompany any significant amount of fiber, vitamins, or minerals. In fact, for the same amount of calories, you can use larger amounts of diced vegetables like carrots, broccoli and celery that add not only color and crunch, but the g fiber, vitamins and phytochemicals croutons lack. And remember science-base- d groups like the American Institute for Cancer Research (AICR) emphasize that vegetables boasting ah fruit w e VT i of the most powerful steps we can take to lower risk of cancer. "Nutrition-Wis- e is provided as a service public by the American Institute for Cancer Research. Questions for this column may be sent to Nutrition-W'is1739 R Street. NW. Washington, D. C. 20009. Ms. Collins cannot respond to questions personally. e, the Kamas KeyCenter Of course, we look forward to seeing you every day. ds ' Plan to stop by on Key Customer Appreciation Day. It's our way of saying thanks for choosing Key as you r bank. We look forward to seeing you on: Friday, August 24, 2001 9:00 am - 5:00 p.m. at value remains intact, and you retain the option of borrowing against it.. Surrender the policy and accumulate cash value to purchase an annuity. which can provide a guaranteed lifetime income. Or, you might use the cash value to purchase another financial product. However, be aware that income taxes likely will be due. Taxes w ill be based on the sum of the cash value plus dividends 2 you receive that exceed the premiums you have paid while the policy was in force. If you keep the policy in force as paid-uinsurance until death, generally no income taxes will be payable on the policy Health Questions and Answers BY KAREN COLLLNS, 841-76- ftgeBS (K-m- Plaza-timb- Jet) al Park City, UT 04090 P.0. 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