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About Spilyay tymoo. (Warm Springs, Or.) 1976-current | View Entire Issue (July 3, 1987)
Spilyay Tymoo Warm Springs, Oregon JuJy 3, 1987 PAGE 5 Prenuptlal planning helps eliminate future problems Love may be more "wonderful" the second time around, but it't also more complicated, especially if the new union involves children and property from previous mar riages. Previous estate plans may no longer be appropriate and will and property ownership arrange ments may need revision. Those persons considering re marriage might consider a prenup tial financial agreement to forestall postnuptial problems. While it may not seem romantic to talk about money, there is even more reason to take responsibility for financial and estate planning in a sccona maniac. Since finan cial incompatibility is a com mon cause of divorce, it's better to find out about disagreements be forehand. A well thought-out pre nuptial agreement may contribute to marital happiness. And if a second divorce does occur, it's well to have discussed a fair division of property. Generally speaking, properly prepared prenuptial agreements are legally binding. One instance in which a prenuptial agreement might not be upheld is where one or both parties failed to make a complete disclosure of assets prior to the agreement. Discussing the tollowing concerns may help you define the terms of your own prenuptial agreement. How do we protect bequests of children from both marriages when the second spouse dies? What happens to ownership of our home when one of us dies? How do we handle assets or debts from a first marriage? Who gets family heirlooms? It's important to mke sure that children from both marriages are treated fairly in terms of property distribution. Keep in mind that a previous will may not be valid when you remarry. Depending on the ages of the children, solutions might involve the use of gifts or trusts. Ownership of property in joint tenancy with your second spouse may not give you the result you intended, if you have children from the first marriage. For example, if the mother of the family died, her share of the property held in joint tenancy would go to her husband and he might in turn leave it to his children, leaving her own children from the first marriage out of the property division. It the children are minors, you and your current spouse might want to provide for their care or agreee on a guardian in the event of your death. A trust could be set up to provide money for education. Of course, you will probably want to provide for your present spouse when you die, unless he or she is financially independent. Check life insurance policies and update beneficiaries. If the partner from a first marriage is living, he or she may still be entitled to life insu rance or pension benefits accumu lated during that first marriage. Through a trust, it's possible to ensure your current spouse a life time income from assets. When the surviving spouse dies, this trust transfers the assets to your children or whomever you choose as benefi ciary. It may be useful in second marriage situations. Who gets what family herilooms should be spelled out in your will. Many couples make a separate written list of how their heirlooms are to be divided. These lists inform the executor or personal represen tatives as to their wishes regarding the distribution of property, but may not be legally binding if the distribution is contested. A Tht Warm Springs Extension Sarvlct provides equal access to II Its activities and programs. OREGON STATE UNIVERSITY EXTENSION SERVICE Eralna Palmer Secretary Jonl David Program Aide Arlene Bolleau Extension Intern Motile Marsh Extension Agent Clay Penhollow Extension Agent Preserving without sugar reduces calories Canning without sugar Follow reliable directions for can ning fruits, taking special care to follow steps that prevent darken ing of light-colored fruits. Pack the fruits into jars and cover with water or fruit juice instead of sugar syrup. if a sweet flavor is desired, a liq uid artificial sweetner may be added to the canning liquid. Always try a small batch first to find the best method and the desired level of sweetness. Many people prefer the flavor when the sweetner is added Find out where your $$ is going To determine where your money is going and where you want it to go, draw up a personal budget sheet. It can be a real eye-opener. It will show you where you're spend ing too much and where you have room to increase your savings. Start your budget sheet by list ing your monthly income, includ ing salary, bonuses, interest from savings, dividends and alimony or child support. Then list your fixed expenses: rent or mortgage, utilities, taxes, car payments, insurance, regular savings, child care, etc. Next itemize your flexible ex- at serving time. Some feel that feat ing during processing tends to change the flavor of the sweetner. Freezing without added sugar Method I. Fruit may be frozen whole on trays, then packed into freezing containers. This works best for fruits, such as berries, that do not darken when exposed to air. These may be served partially thawed, giving some juice, but with some frozen firmness still remaining in the fruit itself. Method 2. Fruit may be frozen Strawberry freezer jam in water, with or without artificial sweetner. The darkening of light 2 cups crushed fresh strawberries colored fruits, (apples, apricots, figs, prunes, and sweet pitted cher ries) is retarded by adding ascorbic acid (vitamin C). Dissolve ascorbic acid in two or three teaspoons of cold water just before using, then mix in cool water. Allow xh teas poon of crystal or powder to one quart of water. Artificial sweet ncr may be added to the water in an amount equal in sweetness to a sugar-sweetened syrup. Make a small batch to taste for acceptability before freezing large quantities. (about 4 cups sliced) 4 cups sugar 1 (3-fluid ounce) pouch liquid fruit pectin (about 7 tablespoons) 2 tablespoons Realemon Lemon juice from concentrate In large bowl, combine straw berries and sugar; mix well. Let stand ten minutes. In small bowl. Combine pectin and realemon; pour over strawberries. Stir thoroughly three minutes (a few sugar crystals will remain). Spoon into glass or plastic containers; cover. Let stand at room temperature 24 hours. Store in freezer. Tip: Small amounts can be refrigerated, covered 2-3 weeks. penses: telephone, groceries, dry cleaning, gasoline, clothing, gifts, car maintenance. Include a "fun" category. List items such as restaurant meals, movies and oth entertainment. Don't forget to budget for un planned expenses such as emer gency car repairs, medical expenses, etc. Once you have listed everything simply substract your expenses from your income. Use the resulting fig ure as a planning tool to pare spending and increase savings. Set a goal and work toward it. Bacteria grows in temperatures from 40-140 Shop around for money When you need to borrow money, learn where you can find the lowest rates and you'll save on interest. The least expensive way to bor row is often against a whole-life Blood pressure tips given Here are some helpful reminders for the person being treated for high blood pressure. " Know your goal! To get a sense of progress, ask youVdoctor for the blood pressure level you are work ing to reach. Ask Questions if .there is some thing you don't understand about your treatment. you have to your doctor if they could cause you to discontinue part or all of your treatment. Tell family members that you will need their help in controlling your high blood pressure. Be specific when you ask others for assistance such as remembering to take your pills or to follow your diet every day. When drugs are prescribed Leave a note on your night table, office calendar, refrigerator door, or bathroom mirror to help you remember to take your pill. Mark your calendar each time you refill your prescription to alert you before the next one is due. If you've missed taking your medications, restart promptly using the same schedule prescribed by your doctor. Don't try to make up by taking extra pills. Be sure to tell your doctor all other medicines you may be tak ing, including nonprescription drugs. Ask to be put on the mailing list if your doctor's office or pharmacy sends reminders about upcoming visits or refills. When dietary changes are prescribed Add less salt to your food both at the table and while you are pre paring your food. Read the labels on food pack ages to find your consumption of "hidden" sodium. Then eat less food with "hidden" sodium. , , . Lose extra pounds to help lower your blood pressure. Change one dietary habit at a time. After you succeed with one, go on to the next one. Be patient. It takes time! Ask questions if you don't under stand something about reducing salt or losing weight. It is impor tant that you know exactly what to do and why you're doing it. Reduce your intake of alcoholic beverages. Alcohol represents "empty" calories and can under mine a weight loss diet. And exces sive use of alcohol is associated with increased blood pressure levels. Decrease the amount of fat-rich food in your diet to help lose weight. The weight loss, in turn, could help you control your high blood pressure with less medication. insurance policy. Kates can be as low as five to six percent on poli cies written before 1 980. The amount you can borrow will depend on how much cash value you have built up in the savings portion of the policy. Call your agent and ask. Borrowing against your savings accounts is another way to save on interest. Borrowing rates are usu ally about one to three percent above the savings rate you're receiv- , If you re an investor, you can borrow against securities you have in your account, often at low rates. Ask your broker. Establish a home equity account. The interest on such loans is usu ally set at one to three percent above the prime rate. For a one time charge (about $100), a bank will lend you an amount equal to the equity you have built up in your home. The money goes into an account that you can write checks against. You'll usually pay interest only on the portion you use. The most expensive way to bor row is against your signature. That means you'll receive a lump sum or credit just by signing an applica tion. Credit cards and department store charge cards are examples. Rates are often among the highest. Summertime, and the livin' is easy not just for you, but also for microorganisms that can grow in food and make you sick. Remember the time-temperature danger zone. Disease-causing bac teria like to grow in food in the temperature range between 40-140 degrees F. Don't eat foods that have been kept within this range for more than two hours. Make a clean break to good san itation practices. Cleanliness is criti cal to avoid food contamination. At every step of food preparation, wash hands, counters and utensils with warm, soapy water. When barbecueing, don't use the same plate for cooked meat that carried the raw meat unless you have washed it. Know the food requiring special care. Harmful organisms grow more readily in foods high in protein and moisture. Foods such as meats, poultry, fish, shellfish, meat and seafood salads, potato salads, cream pies, cake fillings, and gravies require care with time, temperature and sanitation. Inspect food storage. Keep pan try storage areas about 50 degrees F, clean and away from leaky pipes, household chemicals and openings where insects and rodents may enter. Think before you eat. Most food poisoning bacteria are odorless, colorless and tasteless. The only sense protection you have is com mon sense. When traveling pur dent dietary and hygenic practices are your best protection. Know when to see a doctor. If symptoms are severe or if the vic tim is young, elderly or suffers from a chronic illness; if you sus pect botulism get help immediate lyit can be fatal! Botulism attacks the nervous system, causing double vision, trouble swallowing, and dif ficult breathing. Generally, diar rhea, nausea, vomiting and abdomi nal cramps characterized food-borne illnesses. Symptoms usually appear in six to 48 hours. Learn more about food safety. These bulletins are availabe at the Warm Springs Extension Office: Food safety for the family; storage of perishable foods in the home, and, you can prevent food poisoning. Don't let your lawn go hungry Don't let your lawn go hungry this summer. A June application of nitrogen fertilizer will keep home lawns grow ing vigorously through the summer months. Weed and feed fertilizer combi nations will do extra duty by kil ling early summer weeds. Follow all directions printed on the pack age for using these fertilizers. Ammonium sulfate and ammo nium nitrate are alternatives to special lawn fertilizers. When using these nitrogen sources, apply one pound of actual nitrogen per 1,000 square feet. Ammonium nitrate contains 33 percent nitrogen. Five pounds will fertilize 1,500 square feet. Ammo nium sulfate contains 21 percent nitrogen. A five pound box will cover 1,000 square feet of lawn. Flight rights explained for passengers When an airline overbooks a flight, passengers will be asked for volunteers willing to give up their seats in return for a free ticket or cash on the spot. The amount of cash will vary. They'll also arrange Grass clippings provides fertilizer Tired of bagging up and hauling away lawn clippings after mowing the lawn? If so, it won't hurt the lawn if you just leave the clippings where they lie. The best reason for leaving grass clippings on the lawn is that they are a valuable source of fertilizer for lawn grass, McNeilan says. The growing grass plants contain all the basic fertilizer elements that home owners apply to the lawn to improve its condition. When the clippings are removed, some of the fertilizer is too. Many homeowners believe that grass clippings contribute to thatch buildup, but this isn't always true. Thatch consists of old, decaying plant stems and roots that the grass plants have outgrown. The case for removing the clip pings consists mostly of the aes thetic or personal preference of the individual homeowner. Many peo ple simply don't like the sight of clippings strewn all over their lawns. Where lawns are mowed infrequent ly this may be even more of a problem. t . . , f. w' - f - -' t . , , ; "'yx. -"" v.;- 7 ; r"" Tf f"" : ' s : " f The home landscaper's most impor tant ally in the battle to keep the summer lawn green is the garden hose. If you want a green lawn all summer long be prepared to water the turf regularly. Areas of the lawn don't receive enough water during the summer are likely to turn steel-gray in color and then fade to yellow or brown. Consider local weather and soil conditions when deciding how often to water the lawn. An inch of water a week, except under very hot, windy conditions, is usually enough to wet la wn turf to a depth of six to eight inches. Apply enough moisture in one watering that it can soak deeply into the soil. Several waterings a few days apart will encourage weed and moss growth in the lawn. And avoid applying more water than needed. Too muc h water will simply run off the lawn. Early morning is the best time to 4-H Lamp Counselor Training participants A licit Santos (center) and Mary Henderson (right) learned to wind water the lawn because there is less turf near The DaSes. Counselors will help teach younger 4 -Hers during camp. chance of plant disease becoming established, evaporation is less, and The answer may be lawn mowers that mulch or cut up clipped grass more finely than ordinary lawn mowers do. Mulching mowers grind up clippings so finely that they drop down between the grass plants and arenlt visible on the lawn surface. Mulching lawn mowers are avail able at most stores that sell garden ing equipment. Remember too that clippings are a valuable source of organic plant material that may be used else where in the home landscape. How ever, do not put clippings from lawns treated with seed and feed fertilizers on flower beds, garden plants or around shrubs for at least two cuttings after the application. to get you on the next available flight to your destination. If you are bumped involuntari lyyou have a ticket but not seat the airline will put on another flight. If the flight is scheduled to arrive within an hour of the origi nal flight, you won't receive any compensation. But if the flight is scheduled for one to two hours later, you're entitled to receive cash equal to the amount on your ticket, up to $200. If the carrier can't get you to your destination within two hours, you're entitled to twice your fare, up to $400. In order to receive any compen sation for bumping, you may have to ask for it. Some airlines don't automatically make such an offer. And compensation is negotiable. If you're delayed past dinner, ask for meal money. If the next plane isn't scheduled until the following morn ing, ask that they pay your hotel bill for the night, as well as meals and transportation to and from the airport. For a handy booklet that explains your rights write to Fly Rights, Publication. 165P ($1) from R. Woods. Consumer Info. Ctr., P.O. Box 100 Pueblo, Colorado 81002. Canning questions answered Do you have questions or prob lems on: Making jams, jellies or preserves? Canning fruits, vegetables, meats or seafoods? Pickling? Food dry ing or making a portable food deh ydrator? Food safety? Freezing? Need your pressure canner gauges checked? Arlene Boileau and Eraina Palmer have just completed a six-day Mas ter food Preserver Workshop to qualify them to answer any of the above questions. They are certified Master Food Preservers ready to serve you during the canning or fruit and vegetable season. Please feel free to call at the Warm Springs Extension Office, 553-1161, ext. 238 or 239. Green lawns require water all summer lawngrasses will go dormant dur ing the summer if not watered. In the fall they will green up again. wind is not usually a problem. An alternative to correct lawn watering is to skip lawn watering during the summeraltogether. Most Master gardener college scheduled a.m. August 20 and end at 5 p.m., August 22. Cost of the five-day event is S 1 15 for Master Gardeners (those who have completed the Master Gar dener training by OSU Extension) and $130 for other participants. These fees cover registration, meals and a double occupancy dormitory room for three days. Pre-registration is encouraged. Registration forms are available at county offices at the OSU Exten sion Service. Want to improve your home gardening skills? Plan now to par ticipate in the Master Gardener Mini-College. The fifth annual Master Gar dener Mini-College at Oregon State University is scheduled for August 19-22. It is sponsored by the OSU Extension Service and the Oregon Master Gardener Association. The Mini-College offers home gardeners a great opportunity to learn more about home horticul ture and to meet other gardening "session topics include pesticide NUmbOTS CJlVBll &aiciy, fjidiu uiataats auu nun wuir trol. winter gardening, rose care, the art of w riting about gardening for publication and more. Check-in and registration for the Mini-College is 2:30 p.m.. Wed.. August 19. Classes begin 10:30 If you have the name of an organization but don't know their 800 toll-free number or are not sure they have one. just call 1-800-555-1212. They w ill look up the number for you. There is no charge for this service. i
