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Clinch Valley Times
St. Paul , Virginia
July 16, 2009     Clinch Valley Times
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July 16, 2009

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Page 8 CLINCH VALLEY TIMES, St. Paul, VA, Thursday, July 16, 2009 Emergencies: Are you prepared? Your personal checklist of important documents Celia Ray Hayhoe, CFP, Extension Family Resource Management Specialist, Virginia Teeh Life's emergency situations require advance preparation and planning. The first step is or- ganizing your papers and com- municating with appropriate in- dividuals. Do you have an ap- propriate place for each docu- ment? Have you told anyone else where you keep your vital information? And have you shared your wishes in the event of your death? Many situations require that you take action now to avoid financial problems later. Wherever you live, there is always the risk of floods, fires, and other natural disasters that could result in the destruction of your home. Prepare yourself so that if such situations occur, you can minimize the impact. All sales receipts and contracts should be systematically filed for easy access when reporting a claim. The originals should be kept in a safe place and a copy elsewhere, in case the originals are damaged or destroyed. Theft of personal belongings can occur in an instant. Your purse could be stolen from your office at work, or your camera from your vehicle. Are you pre- pared for this? Do you have a list of all your credit card num- bers on file, with the necessary contact information, so you can quickly report stolen cards be- fore they are used unlawfully? Or do you at least have your most recent credit card state- ments, with account numbers and company contact informa- tion, where you can quickly get to them to make your report? Contingency plans also may be needed for sudden injury or illness. If you were incapaci- tated, who would handle your affairs and how would that person gain access to your important documents? Would they have durable power of attorney to act on your behalf?. By making these plans ahead of time, you ease the stress your loved ones must face. And what if, while traveling out of town or overseas, you discover you need to sell your stock? Prepare for your trip by leaving a durable power of attorney and by giving a trusted person access to your stock certificates so that he or she can sell the stock for you in a timely manner. This way you avoid having to cut your trip short. Also, in these troubling times of terrorism, a loved one might ne- ed your dental records in order to provide a positive identifica- tion of your remains; this might also be necessary in case of mechanical problems on an aircraft or structural failure of a building which results in your death. Organizing your tax records not only makes tax preparation much easier, it also is essential in preparing for an audit. Supporting documents-such as bank statements, cancelled che- cks, credit card receipts and statements, and all other receipts and official information on in- come, losses, and deductions- should be available at all times. Consider going over this infor- mation with an accountant to explore possibilities for lowering your taxes in future years. Your spouse and adult chil- dren-and any others who would need to handle your financial affairs-should know the location of all papers, contracts, docu- ments, policies and other needed information. Each should know to whom to turn for advice in case of emergency. The purpose of the forms that follow is to organize this in- formation so that you, or others who might have to manage your affairs, know where to find all records and whom to contact, such as your lawyer, financial advisor, primary doctor, or den- tist. It also can be used to create an effective filing system to manage your vital information. However, you might need addi- tional or more comprehensive lists for credit cards and other items mentioned on your check- list. "Estate Planning: Your Re- cords and Personal Information" is another Kentucky Cooperative Extension publication that you might use. You could develop your own list, or consult one of the many books created for this purpose. Such books are avail- able from libraries, bookstores, Internet retailers, and office sup- ply stores. Ideally, you should keep a record of all significant pur- chases and property you own. Keep all Paid In Full statements for life, in case there is ever a question whether you have paid. A good way to keep records is'to videotape each item as you buy it, speaking as you go about what the item is, its purchase date, how much you paid for it, whether there is an extended warranty, and what it is worth, and documentation of appraisal. This way you have an excellent record for insurance purposes and you increase your chances of recovering costs of lost, stolen, or damaged property. If the property is damaged or de- stroyed, you can also videotape it to show the extent of the damage. Study the checklist with your spouse and others who need ac- cess to your personal informa- tion. We recommend using sep- arate, "his and hers" checklists to account for all items. Analyze each point carefully and fill in your information. Consult the Location Code List to designate actual locations for all your original documents. For exam- ple, you might keep an original birth certificate in your safety deposit box and a copy in a port- able fh'eproof box. Locations of originals and all copies should be noted on the list. Keep the list in a safe place known to your family. We recommend that you buy a portable fireproof box, if you don't already have one; it should be large enough to hold files and a few valuables, but not so large that you can't easily carry it out if you have a fire. Following are some of the items that you should keep in the box: List of insurance pol- icies and contact information List of bank accounts and contact information List of debt obligations, due dates, and contact informa- tion Your family's passports List of doctors and con- tact information List of medications, prescription numbers, and con- tact information of all phar- macies that you use Copy of durable power of attorney living wills, and healthcare proxies-Yours and all those of which you are attorney- in-fact or healthcare surrogate Copy of each of your wills and all those of which you are the executor Safety deposit box keys List of investment, re- tirement, and bank accounts, with all contact information Your original Social Security card (when you're not using it) Finally, you should keep this checklist in your portable fire- proof box. As you can see, much of the information on the list above is already called for else- where in the checklist. Keeping track of your vital information should be made as simple as possible. Don't make it any harder than it has to be. Again, keep the original checklist with your will so that your executor or personal repre- sentative has access to both. Give other copies of this checklist to individuals such as your lawyer or your close relatives who have copies of your important documents. Keep copies of documents such as wills and trust agreements in your portable fireproof box for easy access. For Internet access to "Estate Planning: Your Records and "Personal Information," by Suzanne Badenhop (Kentucky Publication # FCS522), go:tb the follong lb si:'. fcs5/fcs5422/fqs5422.pdf For much more detailed in- ventory forms, go to the House- hold and Personal Property Inventory at the University of Illinois Cooperative Extension Service Web site: a/abstracts/ahouseinv.html This is a joint publication of the Kentucky Cooperative Extension Service and Virginia Cooperative Extension. Free Consumer Information_ Catalog With the new edition of the A Volunteer's Guide to Food Consumer Information cata- Mg and its list of more than 200 free and low-cost publications, you can face the months ahead with optimism. And with topics ranging from employment and housing to money and health, you're bound to find something helpful for you and your family. Here's a sampling of what you'll find: Stop. Think. Click. (Item 324T, $1.50). It's im- portant to be on your guard while online. Protect your personal information, identity, and computer by following these helpful tips. Cooking for Groups: Safety (Item 621T, free). As you gather with friends, extended family, or community groups, you want to be sure that the food you're making is handled and prepared safely. Learn how to cook, serve, and store your feast wile protecting against food- borne illness. Sleep Disorders (Item 549T, flee). Everyone struggles to get some shut-eye now and then. But if you're consistently unable to fall asleep, it might be time to learn about some com- mon sleep problems and treatment options. How to Maintain Your Tires (Item 595T, free). As the MARKET CORNER NEWS Summer is in full swing and so is the Clinch River Farmers' Market, Market hours are: Wednesday 2:00- 5:30 and Saturday 7:00-noon. Beginning July 1st several vendors at the market will be accepting Senior Citizen coupons. Come visit the vendors for a selection of blueberries, several varieties of beans, cabbage, peppers, cucumbers, squash, zucchini, black walnuts, new potatoes, lamb (with free samples), cage free eggs, homemade jams and jellies, bread, flowers and craft items to include note cards, rain barrels, bird houses, homemade soaps, lip balms, etc. Entertainment for Saturday, July 18th 10:00 Bluegrass Circle 11:00 Sidewalk art for kids History of Apples - Charles Willis Clinch River Little League Softball Team will host a bake sale. In addition to the vendors, the market provides recycling bins for paper (including newspapers, cardboard, and magazines), plastic (number 1 and 2 only), and aluminum. Each week the market is expanding to include new vendors and new produce. Come check out the market tbr a selection of locally grown meat and produce. travel season begins, expect to put more miles on your tires. Find out how to get the most use out of them with these tips on proper care including inflation, rotation, and check-ups. Building Financial Freedom (Item 632T, free). In an uncertain economy, it's vital to have a handle on your finances. Use this publication to learn about ways to develop or improve your savings and investment strategies. Track your spending and expenses on the included worksheet. From protecting your identity online to grilling for that In-st cookout of the season, shedding those extra winter pounds to getting to sleep when your mind is churning, the Consumer Information Catalog has a full listing of information to make your life easier. To order the Catalog: *Visit m to order a Consumer Information Catalog or to read or print these and hundreds of other federal publications for free. *Send your name and address to Catalog, Pueblo, Colorado 81009 *Call toll-free 1 (888) 8 PUEBLO. That's 1 (888) 878-3256, weekdays 8 a.m. to 8 p.m. Eastern Time. Get even more information and take advantage of online government resources at and - your official English and Spanish web portals to the Federal govern- ment. CVTimes Deadlines: Editorial copy (birthdays, anniversaries, press releases, calendar items, weddings, etc.) 4 p.m. Monday Advertising (classified and display) 12 noon Tuesday Adult Education Connection by Karen Gent Inez "Tiny" Matney Rife, formerly of Grundy, Virginia, had a hearing problem when she was young that caused her to have difficulty in school. Family members recall that Tiny's teachers were not very understanding of her condition, and fellow students made fun of her. Consequently, Tiny reached a point in 1965 when she de- cided to drop out of school. After the death of a younger sibling and serious illness of her mother, Tiny became the back- bone of her family. Her sisters remember that she was like a mother to them all, even though she was not the eldest. Tiny eventually married and had two children of her own. She also became a caregiver to a local family and worked for them for more than twenty years. Tiny always had in her mind the goal of earning her GED certificate, not just for her own personal fulfillment, but to set an example for her children. She and her husband Bill work- ed together on a GED prepara- tion correspondence course and had plarined to earn their GED's together, but they were unable to pass the battery of tests before Bill's death in 2001. Their son, Rormie Rife, says that his parents always impress- ed upon him and his sister, Melinda Rife Crigger, the value of education. Consequently, Rormie and Melinda both graduated from high school in the top ten of their classes. In 2008, Tiny and her sister, Kathy Blankenship, were encour-aged to :earn their GED's by their sister Easter Rife, who works with the Head Start Program. Kathy enrolled in a GED preparation class, but Railroad Days 5K set Aug. 1 Registration is open for the' annual running of the Appal- achia Railroad Days 5K Run and the 1-mile Fun Run/Walk. The race begins and ends on Powell Street beside the Appalachia Fire Hall. The race is a State of Franklin Track Club sanctioned event. Pre-registrat[66 is open through July 27. Entry forms can be picked up at Impressions in Norton, Appalachia High School, Appalachia Town Hall or online at www.runtricities,org. For more information contact Carol Saboites at 328-3832. Inez "Tiny" Matney Rife Tiny was unable to attend-class because of her work as a care- giver. Even though they pre- pared separately, when it came time for testing, the two sisters stuck together. They first tested in November 11, 2008 but did not pass the complete battery of tests. Because Tiny's work sched- ule as a caregiver conflicted with testing dates, J.yce Presley, GED Chief Examiner of Buchanan County, set up Special testing sessions so that she could achieve her goal. In April 2009, Kathy, at age 62, completed her testing, and on May 21 2009, Tiny, at age 59, earned her GED certificate. Kathy recalls, "We set out to do it together, and we did." Both sisters, along with the rest of their family, were very excited about attending their graduation ceremony scheduled for June 16. Their sister Easter comments, "I was excited and couldn't wait to watch them walk across that stage." Sam Bartley, editor of the Virginia Mountaineer, printed graduation invitations for the sisters to send out to family and friends. Kathy says that she and Tiny had already received some graduation gifts. In the midst of their joy and celebration, tragedy struck this family. Tiny, who had a history of heart problems, had a heart attack on June 11 and did not survive. Her funeral service was held on the same day as her much anticipated GED gradua- tion ceremony. On the evening before the funeral service, Joyce Presley, on behalf of the Virginia Department of Edu- cation and Southwest Regional Adult Education, presented Melinda Crigger and Ronnie Rife the certificate that their mother would have received at her graduation. The lchanan County GED gradua,Jn cere- mony was dedicated to the memory of Mrs. Rife. Both Melinda and Ronnie are very proud of their mother and her accomplishment. Ron- nie stated, "I hope her story will inspire others. She fulfilled her dream of graduating from high school. She was an amazing woman, and we were so proud of her." Inez "Tiny" Rife never gave up on her dream of earning her high school-level credential. She persisted and achieved the goal she had set for herself. If you have a goal of earning your GED, contact Southwest Re- gional Adult Education at 889- 5424, or call toll-free at 1-866- 581-9935. Free classes are offered at convenient times and locations throughout the local region. SPHS Varsity Football parents safety meeting is July 23 A safety meeting for parents present. of varsity football players at St. For more information about Paul High School will be held the meeting or the football Thursday, July 23, at 6 p.m. program, call Coach Palmer at All parents are asked to be SPHS, 762-5221. SPHS Varsity Football Camp The St. Paul High School the school. Varsity Football Camp for The cost is $32. grades 8-12 will be held Mon- Campers will be taught the day, July 27, through Thursday, fundamentals of offense and defense. July 30, from 6-8 p.m. daily at For more information, call 762-5221. I Classified advertising 762-7671 I '09 Pontiac G3 Stock #15125 Supplier + 0% 272.92 per month See dealer for details. '07 Mercedes CLS5500 V8 AM/FM, loaded with great options Stock # 5032 $39,995 '06 Hummer white 4x4 luxury package $19,995 '09 Chevrolet Silverado 2WD 4.3L V6 MFI engine, Supplier + 0% See dealer for details. '06 Chevy 1 ton dump bed 5 speed Stock # 5073 $22 995 '99 S 10 Pickup gold, V6 ext. cab $6,995 !' ! , ,,.,,: " ' ir '1 t '''' )i ! iNt! ! !: ,!i:=,!l!!: [IIIlIIIINIItIII J. , "