Spilyay Tymoo
Warm Springs, Oregon
September 25, 1987 PAGE 5
Wills provide for future of loved ones
When you make a will you are
planning for the lives of your loved
ones. It's sad when someone spends
an entire lifetime acquiring prop
erty and then neglects to make the
fnal judgment as to where that
p.oncrty will go.
If you should die intestate that
is without a will the state will
decide how to divide your prop
erty. If you're happy with the way
the state will divide your property,
you may not need a will. However,
anattorney can help you decide for
sure. If vou have no surviving
spouse, a court will appoint a
guardian for your minor children.
For most families these matters are
just too important to be decided by
anyone but yourself. If you haven't
already made a will, have one drawn
up right away.
A will is not expensive to make,
and it can be changed at any time.
In face, a will should be reviewed
periodically and kept up-to-date.
Your will should reflect family
changes like the birth of a baby, the
death of an heir, marriage and
divorce. If vou move to a new state,
Learning is exciting
The school-age siajte oi tnc iam-
ily begins with the first child's entry
into first grade and continues until
he or she reaches adolescence (a bout
age 13).
This is an exciting time for child
ren and their families. Children
open the doors to a wider world for
all the family. In a way, parenting
becomes a shared effort with other
adults, especially in school and
activity groups.
Children develop a sense of indus
try v. inferiority at this stage.
Children develop skills of using
symbols such as reading and
numbers, of problem solving and
getting along with others.
Development of particular talents
and interests are important for
children at this time.
Parents encourage children by
sharing information and skills with
them. Children learn to consider
others' needs and to make use of
others' ideas.
Parents are important to their
children and should continue help
ing the children to explore and
understand their environment, giv
ing the children support, nurturing
and guidance, and helping children
learn skills needed for this stage of
development.
The family may work together
on sharing responsibilities, work
ing out household and financial
matters, maintaining an open sy
stem of communication, and plan
ning family activities.
Extension bulletins (free) call
254-1500 to receive a copy. PNW
83 Helping Children Develop Respon
sibility. PNW 64 Child Guidance
Techniques.
your will may have to be adjusted
to comply with a different set of
laws. You should probably review
your entire estate plan if there is a
major change in your financial
situation.
If you've been putting off mak
ing a will because you don't think
you have anything of value, think
again. Even if you don't own a
mansion or a yacht, you probably
have some items of at least senti
mental value that you would like to
leave to a person of your own
choosing. What about your car,
books, jewelry and gun collection.
And what about those boxes of
comics and baseball cards you've
had in the attic for 30 years? They
may be worth a fortune by now.
A will allows you to make both
specific and general requests. For
example, you might leave your
diamond ring to your sister Kate,
SI, 000 to your nephew Ernie and
the remainder of your estate to
your spouse.
Many people don't realize that a
will is also the means by which you
name a guardian for your minor
children. If something should happen
to both you and your spouse, you
don't want this important decision
to be made by a judge. You should,
of course, choose someone who is
both willing and able to take care
of your children. If your young
sters are old enough to understand,
involve them in the decision. Find
out where they would like to live.
This short discussion is in no
way intended to be a do-it-yourself
guide for making a will. If you try
to draw up your own will, you will
more than likely make some tech
nical error that will result in the
entire document being invalidated.
Do-it-yourself projects are fine for
the home and car, but leave the
drafting of a will to your lawyer.
The Warm Springs Extension
Service provides equal access to
all its activities and programs.
OREGON STATE UNIVERSITY
EXTENSION
SGRVICG
Eralna Palmer Secretary
Jonl David Program Aide
Arlene Bolleau Extension Intern
Mollle Marsh Extension Agent
Clay Penhollow Extension
Agent
Leaderparent meeting set
There are ways to cut energy costs
One key to reducing home energy
bills is to install these simple, low
cost but effective do-it-yourself energy-saving
measures:
Caulk joints, holes, cracks and
openings in the exterior skin of the
house. Caulking can be applied on
interior surfaces as well as exterior.
Weathcrstripping all exterior
doors, windows and attic access
panels. Use good quality materials
on doors and frequently-opened
windows.
'Install foam gaskets on all exte
rior wall electric outlets and switches.
Place plastic plugs in unused elect
ric outlets to reduce air leakage.
Make sure exhaust fans in bath
rooms, kitchen and laundry have
freely-operating back draft shut
ters with proper seals.
Inspect and, if necessary, clean
or change furnace air filter every 30
to 60 days during heating season.
Check heat ducts in cold areas
(crawl spaces, attics, garages) for
leaks and insulation. Seal cracks
with duct tape, replace missing
insulation.
Keep damper on fireplace and or
or wood stove closed when not in
use.
Check water heater tempera
ture setpoint. Except for automatic
dishwasherand some laundry require
ments which may require 140 F,
120 F is usually adequate. Check
temperature at a tap with a candy
thermometer.
Install accessible hot water pipes
passing through unheated space.
Wrap water heater tank with
insulation if located in an undcated
space.
Vacuum or brush dust and lint
from refrigerator and or freezer
grill and evaporator coils every two
to three months.
Good management, coupled with
routine maintenance, can pay off
worthwhile dividends in reduced
energy and still maintain the stan
dard of living and comforts to
which we are accustomed.
There will be a 4-H leader and
parent meeting Monday, September
28 beginning at 5:15 p.m. at the
4-H Center.
The purpose of the meeting will
be to:
1. Jefferson County 4-H Fair
1988; Jefferson County 4-H Fair
planning process for 1988; pre
registration; record books; 4-H
grade level for exhibition; bonifide
4-H made.
2. Jefferson County Fair Board
representation
3. 4-H leader and parent calling
tree.
4. Establishing criteria lor being
a club leader
5. Establishing criteria and ex
pectations of 4-H club tripsactivi
ties 6. 4-H awards program development
7. 4-H lcaderand parent training
needs
8. Leaders will receive their
198788 leader packets
Potluck dinner please bring one
dish. Drinks and bread will be
provided.
Important notice
Any 4-Her who went to OSU
Summer Week and or the 4-H
Challenge Camp this summer and
has not paid, please do so!
Stop by with your check or send
it to Warm Springs Extension, PO
Box 430. Warm Springs. OR 97761.
Thanks!
Be careful with your credit
When you must take out a loan,
compare rates around town. Then,
be sure you understand all the fine
print on the agreement before you
Farm safety important
The 44th National Farm Safety
Week was observed September
20-26, 1 987. 1 his is a time to assess
our safety efforts of this past year
and renew oiu commitment to
making agriculture "a safe work
place. This year's theme is "Farm
Safety Makes Good Sense."
Agriculture continues to have
one of the highest accident death
rates (per 100,000 workers) among
prior major industries in the U.S.
according to National Safety Coun
cil estimates, there were about 1 ,700
deaths and 170,000 disabling injur
ies during 1986. Including accidents
to farm people at home, during
recreation and on the public high
ways, the total cost of accidents
approaches $5 billion.
The Oregon agricultural commu
nity is not immune to accidents.
4-H enrollments
due early
In order for members (and lead
ers) to participate in the 4-H pro
gram during the 1987-88 project
year 4-H leaders must re-enroll
their 4-H members by completing a
new enrollment form. This coming
year, all Warm Springs members
and leaders will be enrolled on the
computer again, therefore, it is
imperative to have yoy r enrollments
in early to assure your club and
members are on the correct mailing
lists.
Remember, new club members
may be added to the enrollment
form any time prior to June 1,
1988, by calling or stopping by the
Warm Springs office with the neces
sary enrollment information. All 4
H members must be re-enrolled by
May 1, 1988 in order to exhibit at
the 1988 Jefferson County Fair.
This year there have been 13 fatal
accidents. Most of these were caused
by tractor rollovers. Approximately
2,000 injuries requiring medical atten
tion and loss of job time are reported ,
to Worker's Compensation Depart
ment. This does not include the
injuries occurring on "family" farms.
Unsafe work practices cost time,
money, resources, and human life.
No one can afford to pay the price.
Let us work together for a safer
agriculture.
Credit session set
There will be a managing credit
information session on October 8,
1987 beginning at 7 p.m. at the
Community Center. Speaker will
be Mark Stillwell, Jefferson County
Agent.
sign. Make as large as down pay
ment as you can 75 percent is not
too much and be careful not to
take on larger monthly repayments
than you can comfortably afford.
Your monthly installment debts in
cluding merchandise like a car or
appliances, overdue credit-card ac
counts, and bank loans, but not
counting your mortgage should
not be more than 20 percent of
your take-home pay.
Credit cards should carry warn
ing labels saying, "Consult check
book before using." Confine your
credit-card purchases to amounts
that fit within your budget and to
items you can pay for when your
statement comes. If you want to
buy something bigger, take out a
real loan. Going through the red
tape will help you see whether you
need the item as badly as you
thought at first. Remember that
The best way to get a good credit people who have credit cards, spend
rating is to pay off loans regularly
and promptly. Don't let matters
slide until you need a new loan to
pay off the old ones. The same app
lies to utility bills and other debts
you've accumulated during the
month. Pay them by the due date
or within thirty days if no due date
is specified.
Use credit cards with caution.
Plastic money is designed to make
it easy for you to get into debt.
Think about it. Without seeing a
bank manager or filling out an
application, you can have your
very own personal loan (at 20 per
cent interest or more) just by chalk
ing up more purchases then you
can pay for by the day your account
is due
Preschoolers have very
little life experience
Preschoolers are more mature
than the toddlers they were just
two or three years ago, but the
average preschooler is still a little
person with little experience in life
and therefore little wisdom.
In spite of their saying "I know
it" everytime you tell them some
thing, preschoolers really know very
little of the experiences just ahead
of them. You, the parent, can help
your 4-5 year old find his or her
way a bit more easily if you under
stand the child's outlook and needs.
The following are thoughts
expressed by the average 4-5 year
old as guidelines to the preschool's
point of view:
Keep records in safe place
You don't need your birth certif
icate or a copy of your life insu
rance policies everyday, but when
you do, you often need them in a
hurry that's why it's important that
each family develop a system of
record keeping that's right for them.
The family's records need to be
current and up-dated as the fami
ly's situation changes.
Vital records cover births, deaths,
marriages and divorces. Medical
records should include names of
physicians who have treated family
members, a record of innoculations
and medical prescriptions and aller
gies, if any, to particular drugs.
Mortgage agreements, records
of property improvements, and a
list of household goods, their value
and date of purchase, should be
included in property rcords. A fami
ly's financial records should include
information on all credit cards and
credit accounts, tax returns and
receipts supporting deductions, and
and banking records.
Not only should a family have an
organized way of keeping these
records, they should know where
the records are or how they can be
obtained when needed.
In addition, records which would
be difficult or impossible to replace
should be stored in a secure place,
such as a safe deposit box.
Valuable papers
sessions due
"Your valuable papers" work
shop will be held Tuesday, October
6, 1987 and Thursday, November
12, 1987. Both workshops will be
held at the Community Center begin
ning a 7 p.m.
Madeline Queaphama will dis
cuss birth, death and divorce certif
icates; armed forces records and
social security cards.
Antonette Pamperien will dis
cuss life, health and accident
insurance.
Margaret Buckland will present
information on personal wills and
funeral preparations.
Olivia Kirk will discuss welfare
records.
Jerry Sampson will present infor
mation on estate records and Mark
Stillwell will discuss tax records
and checking and savings records.
"Ira really not unappreciative
when you do nice things for me. At
my age I'm naturally very self
centered and will not be otherwise
for almost ten more years. More,
than anything in the world, I want
to please you, but my misbehavior
is from inexperience, not because I
don't love you in my own way."
"I need to feel big and proud and
able to achieve in order to become
a confident school kid."
"Please don't tell me my fears are
silly, they are real and sometimes
terrifying. Give me reassurance and ;
comfort."
"Remember that I am not good
at sitting still or keeping quiet for
very long. 1 was born wiggling and
squalling and it's normal for me to
take a long time to learn about
being still."
"Part of being my age is trying
new things even if you don't think I
should. Keep me safe from need
less accidents, but let me test new
ideas and activities.
"If you make a promise, try to
keep it. I really feel let down if you
promise and then brush it off like it
doesn't matter or make me wait
and wait and wait."
"Please dont hit me. I feel very
hurt and worth nothing when big
people humiliate me with slaps,
shoves, and hard whippings. And if
you do a lot of yelling at me I must
admit I dont hear what you're
saying."
"Mom and Dad spend sometime
with me please. You are the most
important people in my life so just
holding your hand while we take a
walk tells me you want me and you
care.
"I'm a beginner in everything
compared to your years of expe
rience. Dont think I dont want to
learn, but I'm naturally unable to
remember a lot of things at once.
I'm easily distracted making me
tired of doing the same thing for
long periods of time like riding in a
car."
more, money than those who
don't that's the very reason why
stores and banks offer them.
Less obvious credit sources. Any
time you use goods and services
without paying cash, you are using
a form of credit. Long-distance
phone calls, for instance (which
many children believe are free) are
made on credit.
Overdrawing your bank account
is still another form of borrowing,
one that should be unnecessary if
you keep track of your balance.
Preparing for the future. Setting
a good example in your use of
credit is crucially important for your
children, because the temptations
will be even greater for them. We
are fast approaching a cashless
society, and children need to be
aware that plastic money is only a
way of spending real money it
doesn't mean your purchases are
free.
"Coping ivilh Caregiving"
Tuesday, October 20
3 to 5 p.m. Sr. Buildina .
7 to 8:30 p.m. Community Center
This is for anyone who is a care giver, such as:
works with the elderly
'elderly parents
grandparents raising a child
handicapped child, parent or spouse
Conducted by Vicki Schmall OSU Gerontology Specialist
"Insects in the Home"
, ; :,Monday, October 26 .....
2 p.m. Community Center
7 p.m. Community Center
Joe Capizzi Etomologist
"Self-Esteem as a Tool for Stress Management"
Monday, November 9
7 to 8:30 p.m. at the Community Center
Session will discuss:
How feeling good about yourself can help you deal
with stress
How to feel good under stress
How to lessen stress
How to identify kids under stress and how to help
them
Positive copinq mechanisms
Offered by Ruth Harmelink, OSU Family Specialist
A good marriage entails work, compromise
Job descriptions tell what is
expected of you at work. When
questions come up about how you're
doing, reviewing your job descrip
tion will measure your success.
Working people keep extremely
close tab on the expectations of
their jobs. Most people would do
well if they also gave as much
attention to the job maintaining a
good marriage relationship.
People need to get satisfaction
from two parts of their life. Their
families and their work. Marriage
and family provide fulfillment that
you just can't get anywhere else.
Couples today marry for com
panionship, but that appears to be
the first thing given up in the time
pressures of working couples, espe
cially if there are children. We
laugh when someone says, "Eve
ryone needs a wife." In traditional
marriages a wife was handy not
only for keeping the house run
ning, but also for giving the work
weary man emotional support. He
could leave work worries behind
and be renewed by the coddling of
an ever lovin' wife. True or not, it's
what our fantasy says. Now, who's
going to care for whom as both
husband and wife come home from
the cruel working world?
You have to do it for each other.
You both need to be greeted warmly,
Check vine before digging
As you get ready to dig backyard
grown potatoes in the garden, check
the potato vines.
When the vines are completely
dead and the potato skin doesn't
tear under pressure from a thumb,
the digging can begin. As you dig
and collect the potatoes, try to
avoid bruising them or causing
other injuries such as cuts and fork
holes.
Don It expose the freshly-dug pota
toes to sun or wind because they
are susccptibleto scald and sunburn.
Clean the potatoes before stor
ing. If they were grown in sandy
soil, simply brush the dirt off. If
they are covered with sticky clay
soil, it may be necessary to wash
the dirt off. If so. be sure the pota
toes a re completely d ry before plac
ing them in storage.
Place the potatoes in a spot
where the temperature is about 65
degree Fand the relative humidity
ranges from 85 to 95 percent. Keep
them under these conditions for a
week to ten days to harden off and
heal injuries caused during harvest
Unce cured, sort the potatoes,
setting the best ones aside for stor
age in bins and containers. Store
them in a dry room where the
temperature is no higher than 35 to
40 degrees F and where the humid
ity is moderate.
1 n these conditions, well-matured
potatoes will keep in good condi
tion for seven or eight months.
When the storage temperature
exceeds 40 degrees f, potaotes will
keep for two to three months, but
sprouting and shriveling may occur.
Potatoes are sensitive to light,
which causes green pigment to deve
lop under the skin. Potatoes with
an excessive amount of greening
should be thrown away.
If greening is only slight, the
affected area can be peeled away
before use. To avoid greening, keep
stored potatoes in total darkness.
If the storage temperature drops
to 32 degrees F, potatoes often
become sweet. Increasing the tempe
rature for a few days w ill cause the
sugar in the potatoes to revert to
starch, restoring good quality.
given time to readjust to home and
family, have someone listen to your
trials, and give you moral support.
Partners must work at making
the relationship worthwhile, it does
not happen automatically. Failed
marriages blamed on the work rat
race have in reality lost the magic
of commitment, coddling, care and
communications. "Nobody cares
about me," is a too frequent com
plaint. Over the years competition,
inequality and indifference become
habitual and suppress responsive
ness and support.
A job description for the partners
in a lasting marriage or other suc
cessful relationship might have the
following characteristics.:
Be committed to making the
relationship work.
Respect one another as indivi
duals. Have separate identities.
Be tolerant of each other.
Be flexible and be able to cope
with changing family roles.
Talk about your problems.
Negotiate solutions rather than
avoid conflict.
Be willing to share power.
Be interested in each other.
Trust each other.
Laugh a lot together.
The Warm Springs
OSU Extension Office
will be open from
8 a.m. to 6 p.m.
Monday thru Thursday
during October only
for 4-H registration
with parents