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