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Show r' liRe The Summit County Bee 1)8 quality is still maintained when nuigariiK m butter is reduced to cup and flour is reduced to ihicc fouiihs of a cup (making about 11111 Nutrition-Wis- e H ( k ,).Y Kf (UN ..I in ll.'IIIUTl It n l'c l"k Jlhll Ktitji.h tic.iid iimiL'ihl it . i in I lie it Inii-iiK'- luiics, mil h ''genetic engineering" as sunie lepmis claim One claim, lhal because this ml is used lor mduslnal purjvises n isn't lit fm human consumption. sounds salid at Inst. Vet a numUn of plant pioducts have toxic elicits until piocessed in some way. I las seed oil. for esamplc. which is drawing attention lor possible health benefits because of its omega 3 fat. is actually linseed oil. an ingredient in paint and varnish. Not all information on the Internet is trustworthy. Believe the nutrition experts who continue to recommend Urth canola and olive oils as healthful choices. Q II I reduce the fat a recipe calls tor. will cookies still turn out all INS, M.S., K.D.. ml Mll'slJIUlN. VI 'A u'liljins il'ilVlt ttll) Kept ms uuiil.it-in'.- ' ml jli ml ljimIj l ml, im mi'lf.idmy t t'.uh tmnt's limn rjH.'Miil ml, )tt'l.ii;s iii tin s.uin: lsii.mit.il (ami-I- t I '.i mil a .1:1' i aiui laJish-tas turnips. K,ik;mviI i'il iiiiilauis a high jvr-- t fitl.ifc ft fi:i, if jf id, whith has Its sniiii: he.illli tli.i Hill, .illht ii:'h i.iX.'sc4d ml has Urn iisftl an mild I lie umld hu il has mils Urn used ill ihc Iinisi-r.iilisl- s aIk icn-lime- I' S iii live ul seals when seicnlists a i.iieseed ssilli a heallh- - ileuliXil ixnl tal that in. mi iiiik.iUii, iied I ul. tight! lepl.ues .ilnn ist all ihe emeic at id. I I it's when il vsas jiisen the new ii, line nl t.iiM'i.i nil i Nt tie llial this A: ( )ften you can just cut hack on usual amounts and the cmikics will still come mil fine. Product testing . h .iiininplistii-i- l UN i lie iiiiss-1'ieedin- piatlnes used tm .me-ihn- ;' iesc,iiih suggests lhal taste and een- - lex- - d thiee docn small cookies). Of course, you can use a commercial fat substitute lor baking,or substitute canned pumpkin, unsweetened or applesauce, baby prunes for part ol the iccipe's fat. Don't use diet margarine or spiead" in an attempt to cut fat bom a bakery recipe. The high water content of these products makes them line for spreading, but mt hu baking. talks about the Q: "P'rcshman 10, meaning everyone who goes away to college gains weight. Is this inevitable, or can I avoid it. A: Weight gain is common, but mu inev liable. Take time for regular meals. Studies show that when people skip meals they get so hungry they tend to overeat at the next meal. Make fruits and vegetables a major part of every meal, but avoid those that arc deep-frieCompared to other fixxis. fruits and vegetables September 21, 2001 are low in calories, so you can eat moie of them to achieve that full feeling. Since college students tend to keep late hours, you'll probably need evening snacks. Keep fruit around for a light snack instead of vending machine chips or candy. Try not to get into the habit of ordering pizza every night at midnight. Whet) you do have a snack, watch your portions carefully, and eat only as much as you need to satisfy your hunger. Some coffee and soft drinks as well as alcoholic beverages can make calories add up fast, so rely on water as your primary beverage. When you get stressed, don't use food to help you feel better. Work it ofT in activity. Exploring opportunities for sports and workouts is good for body, mind and spirit, arid a great way to meet people. Nutrition-Wis- e is provided as a public service by the American Institute for Cancer Research. Questions for this column may be sent to Nutrition-Wise- . 17S9 R Street. NW, Washington, D.C. 20009. Ms. Collins cannot respond to questions personally. high-calor- rvfflnfiPir The$90Slte Birds Eye recipes and entertaining ideas at www.birdaeye.com. Chilean Fresh Fruit at www.cffa.org. Information on 5 A Day at www.5aday.com and www.about produee.com. PacifiCare Health Systems at www.PacifiCare.com. Freedom from Fear at frtwdomfromfear.org. The American Psychiatric Association at paych.org. The Anxiety Diaordere Association of America at adaa.org. Moist Mates at www.moiatmatea.oom. MSN MoneyCentral at http:moneycentral.m8n.cotntaxhome.asp. The American Academy of Otolaryngology Head and Neck Surgery at www.entnet.org. Huaqvamaa Auto Mower at www.huaqvama.com. The SignDsl Interpreter at www.aignUUne.eom. Cyber Rebate at wwwxyberrebale.com. Great Stuff at www.itagreatatuff.com. JOE PR.OBST REPUBLIC MORTGAGE 5 South main Heber City, Utah The Power of Tax Deferral DU II) H IM V.l I ID Nl i rem income taxes. And that can make quite a difference in the amount of money you save. Mere's an idea of the diffeicncc that tax delenal can make in youi savings stiategies. assuming that a single sum of S.SO.OOO will be invested for 30 years at a hypothetical interest talc of (i pei cent. Inscn chart here, it applicable If you are in the 3 'k tax hiacket. you could accumulate SI(i8.K40 in a taxable account. However, if you use a account fix the same investment, could accumulate over you S2K7.175 (Please note that, in addition to youi regular income taxes, a 10 ' tax penally may occur on w 1mm annuities. IRAs. or 40l(k) plans, when these aie made betorc the purchaser has reached age 59 i2 ) With financial pnxlucts. you control over your finangain greater cial situation. Not only docs your money accumulate fastci but. if you are selective in your withdrawals and plan them properly, you can avoid getting hit" with too much tax when you withdrew the money. III- A i.iii ii iii i.il i nil. i i xiii im , Several types nl and linaneial pn shuts i an provide a poweilul linaneial m mji a nee edge through the henelit ol tax delenal With 1 d pioduels. nii gennallv don't pav taxes on .hiiimiilaied binds, mteicst.oi dividends until mi actually uiihdiau I lie money hu this reason. the gains in ,n i imiiil.ite at a die. id pioduels usually t.isiei late. You're enji tying the Ivnetilsol with-diawal- s ginwili it tu pailicipale in a lUhli plan ollcied by youi employ ei m if you own an Retirement Aeeounl Individual i IK i Mul lliete aie nlliei ways to eii'iy the advantage of tax delenal. as well Many annuity pioduels otter lie e,iMcily toi funds to accumulalc u ii In uf lieing euiienlly taxed even any iiileiesl and dividends by ihese pioduels avoid cui- -- gen-ei.iie- I lercs why: Tax deferral works best for long-tergoals, such as retirement funding. The idea is to leave the money where it is for a long time to let it go and let it accumulate. Sure youll be taxed on the money you start to withdraw after you've retired but you may be in a lower tax bracket by then. Ibis serves to soften ihe lux blow. 2. You can be selective in your withdrawals and plan them so that you do not suffer unnecessary lax consequences. The tax system has thresholds (tax brackets) that dictate how much of these funds you can withdraw during a given year. If you are prudent with your withdrawals and you don't break into a higher tax threshold then the effect of these withdrawals on your taxes can be minimized. Remember: You're only taxed on what you with1. m draw. Both whole life insurance and annuities generate cash values that will accumulate tax deferred. For people who warn to combine this concept with the growth potential of a diversified portfolio, there are also variable insurance and annuity prod ucts available. These offer the opportunity to participate in invest-meaccounts, with the associated higher levels of risk. Products such as these can work well for you. for, like all products, they accumulate gradually over time. Only you can determine what your financial needs are right now and later in your life. But its important to remember that sooner or later, many of us can benefit from products. Talk to your insurance agent or registered representative, and examine your needs not just your immediate goals but also your long-tergoals. You'll see whether products could be right for Call your Real Estate Lending Specialist: (35) Utahs Largest Mortgage Lender 65-2S- m Helping with your American Dream Ccjual Opportunity Lender ed Summit (BnraQy m ed you. New York Life and its agents do not provide tax, legal or accounting advice. Please consult with your professional advisors regarding your particular situation. For more information on insurance and other financial products, please call David Flint at 671-11or stop by his office at 2 South Main, Suite in a mom HEALTH FOODS 1U0UHBM.StaC 2-- C PO. 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