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ROTH IRA: FOR YOUR RETIREMENT AND BEYOND

cause you've already paid taxes on the money you put in. And the potential for tax-free earnings can continue even when your beneficiaries inherit your Roth IRA, though you'll need to consult with your tax advisor on this issue. A Roth IRA also offers other features that can help you build resources for retirement while possibly helping your surviving family members. For one thing, you can contribute to your Roth IRA for as long as you have some earned income, up to the contribution limits, and as long as you meet certain income limitations. Even if you've officially "retired," you might do some consulting or part-time work. So you could put some of your earnings into your Roth IRA. This ability to keep funding your Roth IRA virtually indefinitely can give you more flexibility in managing your retirement income and, depending on how you do manage that income and what your other objectives may be, you may also end up with more money that could be left to your beneficiaries. Also, unlike a traditional IRA or a 401(k), a Roth IRA does not require you to start taking minimum distributions at age 701/2. In fact, you are never required to withdraw money from your Roth IRA. And by leaving your account intact for as long as possible, you'll potentially have more money available for a variety of options one of which may involve leaving sums to your beneficiaries. Your non-spouse beneficiaries must take annual required minimum distributions, but they have the option to take the distributions over their lifetime. Keep in mind, though, that your Roth IRA is part of your estate for purposes of federal estate taxes. In 2012, your estate would be subject to these taxes if it were worth more than $5.12 million (or less, if you made certain gifts). In 2013, however, this amount is scheduled to drop to $1 million unless Congress acts on this issue. (Some states also have estate taxes that apply at amounts less than the federal amount.) In any case, if you have a sizable estate, you should consult with your tax and legal advisors. When you invest in a Roth IRA, your goal, first and foremost, is to help fund your retirement. In fact, basically all your decisions regarding your Roth IRA how much to contribute, where to invest the money and when to begin taking withdrawals should be based on your own retirement goals. However, as a side benefit to investing in a Roth IRA, you may find that you could help out the next generation, or two, of your family.

MORRIS NEWS, THURSDAY, AUGUST 23, 2012, PAGE 3

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Is your church, club, organization having a HAPPENING for fundraisers, revivals, etc? We need to print this news, NO CHARGE. E-MAIL or FAX to morrisnews@windstream, or 1-888-701-3188
MORRIS COUNCIL WILL MEET EVERY 2ND MONDAY EACH MONTH AT 7:00 P.M., COMMUNITY CENTER ON 300 S HUGHES. CITY HALL 918-733-4222. MORRIS SCHOOL BOARD WILL MEET EVERY 2ND MONDAY AT 6:00 P.M, 307 S. 6TH ST. SUPT. OFC 918-733-9072, TWIN HILLS SCHOOL WILL MEET EVERY 2ND TUES. AT 6:30 P.M., 7225 TWIN HILL ROAD. 918-7332531. HOFFMAN FELLOWSHIP CENTER gospel singing and dinner every Saturday night from 6 - 9 p.m. in Hoffman MORRIS LIONS meet every 2nd Tuesday of each month at 400 East Young St., Morris. Meetings are at 7: P.M. AT&T Never Text cont.
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TERRY DID LSAYER EDWA iii JONES FINANCIAL ADVISOR 2102 S. WOOD DR. OKMULGEE, OK 74447

756-2473
terry.dillsaver @edwardjones.com
If you're somewhat familiar with investing, you may know that the Roth IRA is a great retirementsavings vehicle. But are you aware that some of its benefits can also pay off for the next generation of your family? To understand why this is so, it's necessary to be familiar with a Roth IRA's features. For starters, when you contribute to a Roth IRA, your earnings have the potential to grow tax free, provided you don't start taking withdrawals until you're 591/2 and you've had your account at least five years. The amounts you contributed aren't taxed when withdrawn be-

Nuyaka Winery Fall Wine Festival September 15, 2012


This year has just flown in spite of the terribly hot days we thought would never end. We are so looking for fall and our Fall Wine Festival. Our festival is the 3rd Saturday in September and will be on the 15th this year. We are looking forward to seeing old friends and customers along with new friends and customers. We will have a fun filled day with wine tasting and music. We harvested grapes early due to the extremes of our weather but got a fairly nice crop, at least what we were able to beat the birds to harvesting first. The weather has been hard on all the plants and a much needed rain came today. It didn't last long enough for us but it saved watering for the day. You can almost see the plants and birds smiling with relief. Our hearts and prayers go out to all the folks that have been affected by the fires throughout our state. Remember them and the firefighters, many volunteers, who worked so hard to save so many lives and homes. There is still time for any vendors that are out there to send in and reserve a place. Go to our website www.NuyakaCreek.com and download a vendor application. Come out and enjoy the day and meet some fine folks. Our admission is still free except if you want to taste wine, you will need to purchase a $5.00 souvenir wine glass that you can take home with you. Herman Thompson will be back with his friends providing us with toe-tapping music and you can sing along. We are located in Northeastern Oklahoma's scenic Green Country near the village of Nuyaka, the Deep Fork National Wildlife Refuge and Dripping Springs Lake. You can also give us a call at our vineyard 918-756-7568 for driving directions or more info.
Tulsa

MASONIC LODGE OF BEGGS: Every 3rd Saturday of the month, the Masonic Lodge of Beggs will be having a Pancake Breakfast consisting of Buttermilk and Blueberry Pancakes, Sausage, Orange Juice, Milk, and Coffee. Time of breakfast will be 7:00 a.m. Till 10:00 a.m. Cost will be $5.00 for adults, and $3.00 for children under 6 years old. The lodge is located at 304 N. Broadway in Beggs. NUYAKA WINE FESTIVAL, Saturday, Sept. 2012, 12 noon till 7:00 p.m. Food, music, vendors and great wine tasting. Call 918-7568485, or 918-756-7568 more info. THE MORRIS LIONS will hold their annual "A Blast from the Past" car show on
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Saturday, Sept., 22 2012 Register at 9:00 a.m., Cash Drawing for participants every half hour starting from 10:00 a.m. thru 1:30, $50.00 each drawing. Music through the day. MORRIS CUB SCOUTS WANT YOU! All boys in grades 1st thru 5th are invited to come join us and have fun, make new friends and learn new and exciting things. Adults please bring your boys to the First United Methodist Church, Tuesdays at 7:00 p.m. Come learn about Cub Scouts and meet current Cub Scouts. Boys from any surrounding schools are welcome to join us. You may contact Cub Master Robert Marek at 918-758-9143 for more info.

County line 1 mile east of Edna Road

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Edna Road (193 W. Ave.) Deep Fork River Oak Grove Church Aur

Dentonville Road info Anytime at Nuyaka Mall Webster Road (Lincoln Road)

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Okmulgee Lake

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AT&T Calls On Nation's Drivers To Pledge: Never Text And Drive


Americans Urged To Make Lifelong Commitment On September 19 OKLAHOMA CITY, AUG. 15 - Wireless provider AT&T*, seeking to bring attention to a serious road-safety problem, today urged all Americans to pledge to stop texting while driving, and then to join with others Sept. 19 to make a lifelong commitment to never do so again. AT&T, its employees and other supporters are calling on all drivers to go to take the no-texting-and-driving pledge, and then share their promise with others via Twitter (#itcanwait) and Facebook. he pledge effort is part of the company's public awareness campaign aimed directly at stopping the dangerous practice of textmg while driving. More than 100,000 times each year, an automobile crashes and people are injured or die while a driver was texting and driving, said Bryan Gonterman, President of AT&T Oklahoma, citing a statistic from the National Safety Council'. "The 'It Can Wait' public awareness campaign is focused on a simple, powerful message: that no text is worth dying for," said Gonterman. "From the TV airwaves to our AT&T stores and social media outlets like Facebook and Twitter, we will be employing a full court press to educate Oklahoma teens and parents about the dangers of texting and driving." "We're challenging everyone to take the pledge to never text and drive and to make it a lifelong commitment," he said. "And we're challenging all device makers and app developers to offer devices that come pre-loaded with a no-text-anddrive technology solution." AT&T's "It Can Wait" public awareness campaign is focused on a simple, powerful message: No text is worth dying for. AT&T plans to spend tens of millions of dollars on the campaign in 2012 and has made it an ongoing commitment in future years. The effort is comprised of several key initiatives, including: Encouraging its 240,000 employees to take the pledge and, in turn, urge all people to commit that they will never text and drive. On an average day, AT&T retail store and call center employees speak to customers more than 500,000 times. Working with TV and music celebrities to deliver a strong no-texting-whiledriving message via TV ads, concerts, public appearances, Twitter and Facebook. Launching an aggressive social media campaign with advertising on Facebook and Twitter to encourage Americans to take the pledge and to share their pledges with their friends via social media. Educating the public using TV ads on the dangers of texting while driving that will run during high-profile events and teen-focused programs. Working to provide a toolkit of no-texting-whiledriving information to every high school in the country. Challenging device makers and app developers to work with AT&T so that all devices include a pre-loaded, no-textand-drive technology solution as soon as possible. Launching an online driving simulator at www.itcanwait.com in the coming weeks - so that anyone with access to the Internet can experience the dangers of texting while driving. Bringing an in-car simulator to more than 200 locations before the end of this year. Enlisting others - including law enforcement, educators, national retailers, consumer safety groups, legislators and the entire wireless industry to join the no-text-and-drive movement. Asking more than 1,000 of AT&T's strategic and other major suppliers to encourage their employees to pledge not to text and drive. "The Oklahoma Sheriffs Association is proud to be involved with AT&T to bring to the forefront the impact of texting while driving, which is an evident distraction to drivers," said Bill Winchester, President of the Oklahoma Sheriffs Association. 'The problem has become so prevalent that agencies nationwide are looking at this serious problem. I believe that next to driving while under the influence this is becoming a leading cause of vehicle and pedestrian accidents. "These are intentional acts committed by drivers. Like alcohol and drugs, it's a choice, a bad choice. I applaud AT&T for taking this type of initiative to save lives, and I hope every one in Oklahoma will sign the pledge not to text and drive,"

Winchester said. " Working with teens day-in and day-out, we see firsthand the impacts that peer pressure and peer influence have on the decisions they make," said Sandra Spavone, executive director of the National Organizations for Youth Safety (NOYS). 'That's what makes AT&T's efforts so effective. They understand that by working with these teens and incorporating their feedback programmatically ultimately, we'll reach even more of that critical and impressionable audience with a message they'll hear." Together with NOYS, AT&T has pioneered more than 12 teen-led, teen-focused educational summits, with plans to hold 10 or more locally by the end of the year. NOYS is a collaboration of national, .youthserving organizations, including non-profit organizations - such as Students Against Destructive Decisions (SADD) and Mothers Against Drunk Driving - and government agencies, such as the Governor's Highway Safety Administration (GHSA). AT&T shares in their common goal of promoting safe and healthy behaviors among our nation's youth. In addition, many other governmental, corporate, nonprofit and other organizations have already pledged support for the awareness campaign, including: The AFL-CIO's Union Plus program, American Federation of Teachers, Big Brothers Big Sisters of America, Boys & Girls Clubs of America, CTIA, Junior Achievement, LULAC, National Safety Council, National Urban League and RadioShack. More supporters can be found at www.itcanwait. com. A recent AT&T survey2 found that 97 percent of teens say they know that texting is dangerous. The survey also found: 75 percent of teens surveyed say that texting while driving is "common" among their friends; Almost all teens (89 percent) expect a reply to a text or email within five minutes or less; And 77 percent of teens report seeing their parents text while driving. But technology can help: 89 percent of teens said a phone app toprevent texting & driving - like AT&T DriveMode - would be an effective way to get them or their friends to stop texting and driving. AT&T first began its "It Can Wait" campaign discouraging texting and driving in 2009. The website www.itcanwait. com provides an opportunity to take the don't text and drive pledge. It also offers a host of educational resources and information on the issue - including a documentary featuring families impacted by texting and driving accidents that has been viewed more than 3 million times. 1 - National Safety Council www.nsc.org 2 - Survey conducted by Beck Research on behalf of AT&T http://www.att.com/ Common/about-us/txting_ driving/att_teen_survey_executive.pdf. 3 - Data and text messaging charges may apply for download and app usage. Standard messaging rates apply to autoreply messages. AT&T DriveMode is free to AT&T customers only. Compatible device required.

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Curb Back-To-School Tragedies With AAA's Tips


One-Third of Child Pedestrian Fatalities Occur During AfterSchool Hours. AAA Oklahoma, August 17, 2012 As summer draws to a close and the classroom bell rings in the new school year, 55 million children across the United States will head back to school. With 13 percent of those school children typically walking or biking to school, AAA warns drivers to be especially vigilant for pedestrians during before- and afterschool hours. The afternoon hours are particularly dangerous for walking children over the last decade, nearly one-third of child pedestrian fatalities occurred between 3 and 7 p.m. "In 2010 across Oklahoma, 86 pedestrians age six to 15 were killed or injured in traffic crashes," said Chuck Mai, spokesman for AAA Oklahoma. "Although that total is lower than the 109 recorded in the state in 2009, even one death or injury is one too many. It's up to adult drivers to watch out for children walking and biking to and from school." AAA offers six ways to keep kids safe this school year: 1. Slow down. Speed limits in school zones are reduced for a reason. A pedestrian struck by a vehicle traveling at 25 mph is nearly two-thirds less likely to be killed compared to a pedestrian struck by a vehicle traveling just 10 mph faster. 2. Eliminate distractions. Children often cross the road unexpectedly and may emerge suddenly between two parked cars. Research shows that taking your eyes off the road for just two seconds doubles your chances of crashing. Put down the phone. 3. Reverse responsibly. Every vehicle has blind spots. Check for children on the sidewalk, driveway and around your vehicle before slowly backing up. Teach your children to never play in, under or around vehicleseven those that are parked. 4. Talk to your teen. Car crashes are the leading cause of death for teens in the United States, and more than one in four fatal crashes involving teen drivers occur during the after-school hours of 3 to 7 p.m. Get evidence-based guidance and tips at TeenDrivinq. AAA.com. 5. Come to a complete stop. Research shows that more than one-third of drivers roll through stop signs in school zones or neighborhoods. Always come to a complete stop, checking carefully for children on sidewalks and in crosswalks before proceeding. 6. Watch for bicycles. Children on bikes are often inexperienced, unsteady and unpredictable. Slow down and allow at least three feet of passing distance between your vehicle and the bicycle. If your child rides a bicycle to school, require that they wear a properly-fitted bicycle helmet on every ride. AAA's School's Open Drive Carefully awareness campaign was launched in 1946 in an effort to prevent school-related child pedestrian traffic crasheshelping kids to live fulfilling, injuryfree lives. In addition to the School's Open Drive Carefully campaign, AAA has teamed up with Richard Scarry's Busytown Mysteries to help keep children safe. Download coloring pages, play games and watch car seat safety videos at SafeSeats4Kids.AAA. com. A not-for-profit organization, AAA Oklahoma serves its 363,000 members across Oklahoma with emergency help on the road, auto travel assistance and a wide range of personal insurance, travel, financial and automotive services through its 44 retail branches, regional operations center and the Internet at www. AAA.com.