GREG HENDRIX

FINANCIAL FOCUS

Greg Hendrix, AAMS® Financial Advisor 200 West Paul Pauls Valley, OK 73075 405-238-9319

Member SIPC

EdwardJones MAKING SENSE OF INVESTING

The Burford Corp. has immediate openings in the following departments:

Human Resource Manager - Plan, Direct, and coordinate hu-man resource management activities, reconcile payroll. Salary commensurate with qualifications. Must be HR Certified.

Please send resume to kwilloughby@burford.com, apply in person at 11284 Hwy 74, Maysville, OK,

or fax to 405-867-4219. Burford Corp is an EOE

Add an Important Item to Your Back-to-school List. For parents, back-to-school season means it's time to stock up on school supplies. But it can also be a good time to think about how to save for your child's future education.

Developing a strategy for achieving your education savings goal - or other savings goals - can help you stay on track.

To learn more about your education savings options, call or visit today.

www.edwardjones.com/backtoschool

The Pauls Valley Chamber of Commerce wishes to thank the following for their contributions in making this year's "Teacher & Staff Appreciation Breakfast" such a success!

It's your generosity and volunteer efforts 216 that make this annual back to school tradition

since 1981 possible.

VOLUNTEERS Allen Eubanks, Chamber Volunteer Danny Sherif, Happy Days Diner

Darrin Boydston, Chamber Volunteer Debra Chandler, First United Bank

Della Wilson, Chamber of Commerce Dr. Schales Atkinson, Chamber Volunteer

Erin Creach, City of Pauls Valley Gary Parks, The RED Book

Hillary Shipley, The Art of Fun Janet Moore, Sonic Drive-In

Joyce Slagle, Chamber Volunteer Julie Caughey, Garvin Co. Abstract

Kathy Hall, Chamber Volunteer Kelsey Montgomery,

Toy & Action Figure Museum Kristi Bourne, Sonic Drive-In

Kristyn Smith, Garvin County News Star Lizzy Walker, Cheer's Wine Cellar

Lou Hall, Chamber Volunteer Maegan Riddle, Chamber of Commerce

Mike Wilson, Chamber Volunteer Peggy Patton, Retired School Teacher

Phyllis Stephens, Suddenlink Reza Ghanaati, Happy Days Diner

Van Victor, First Baptist Church Vondy Harding, Chamber Volunteer

FOOD SPONSORS Chicken Express

Happy Days Diner Homeland Supermarket Leonard's Super Stop

Wal-Mart Super Center

GIFT SPONSORS ACE Hardware

Air Evac Lifeteam Amber's Shop & Your Framers

BeautiControl by Melinda Crawford Bedre Chocolate

Bill's Seat Cover and Upholstery Bob's Pig Shop

Boom-A-Rang Diner Chicken Express

Comprehensive Dentistry Country Clips Pet Grooming

Covercraft Industries Don W. Reynolds Recreation Center Dr. Mark Wilson, DDS and Karen

Family Video First Presbysterian Church

First United Bank Frances Lee

GJK, LLC - Grant & Katie Johnson, CPAs Gordon White Lumber

Green's Furniture Hair Extravaganza

Health Back Home Health Hinkle Printing How Sweet It Is

IBC

Jacobson's Ready Mix Jingle & Jangle

Jones Family Skin Care Main Street Pauls Valley

Mimi's Restaurant New Nails

Norton's Jewelry Oklahoma Blood Institute

Oneal's Jewelry Ottie Riddle Real Estate Pauls Valley Democrat

Pauls Valley General Hospital Pauls Valley National Bank

Penny Miller Cosmetology Academy Planet Earth Jewelry by Susen Foster

Quick Signs Reavis Drug

Seth Wadley Ford Sharpe's Department Store

Shelter Insurance Sherwin Williams

Sonic Drive-In Sooner Home Furnishings

Southern Oklahoma Resource Center Stark Fine Dining

Stevenson's Barbecue Sweet 405 Cupcakes

T's (Teresa Winnett) Salon The Art of Fun

The Daisy Patch The Nook

Tio's Fine Mexican Food Toy & Action Figure Museum

Valley Gals Salon Valley Gifts & Awards

Williamsburg Small Animal Hospital Williamson's Furniture Youth & Family Center

MONEY SPONSORS Alison & Shelby Humphrey

Curwood, Inc. Dr. Brian Allee and Charity

Dr. Dennis Whitehouse and Penny Edwards Canvas

Express Professional Services Gary Readnour, CPA

Garvin County News Star Linda & W.C. Pesterfield

OG&E Pauls Valley Chamber of Commerce

Senator Susan Paddack Stufflebean-Coffey Funeral Home

Suddenlink Valley Body Shop

Wal-Mart HVDC 6042 Wynnewood Town & Country Insurance

LAPTOP COMPUTER SPONSORS Southwestern Directory, Gary & Kay Parks PC-Net Computers, James & Daren Kelly

Pauls Valley Chamber of Commerce

business and finance •Financial Advice •Agribusiness News

•Local Business News

Page 10

THE GARVIN COUNTY NEWS STAR Thursday, August 23, 2012

Texting

Continued from page 8

Roth IRA: For your retirement and beyond

If you're somewhat famil-iar with investing, you may know that the Roth IRA is a great retirement-savings vehicle. But are you aware that some of its benefits can also pay off for the next gen-eration 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 with-drawals until you're 59E1 and you've had your account at least five years.

The amounts you contributed aren't taxed when with-drawn because 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 fam-ily 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 fund-ing 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 benefi-ciaries.

Also, unlike a traditional IRA or a 401(k), a Roth IRA does not require you to start taking minimum distribu-tions at age 70E1.

In fact, you are never required to withdraw money

NEWS STAR TO PUBLISH CHAMBER GUIDE

The Garvin County News Star will be teaming with the Pauls Valley Chamber of Commerce in the upcom-ing months to publish the Chamber's annual Chamber Guide.

The guide is a valuable resource for chamber mem-bers and prospective busi-nesses and industry to Pauls Valley.

To reserve your advertis-ing space in the guide, all Kris Smith at 580-272-8695.

AL-ANON MEETINGS Wynnewood Al-Anon

meetings every Tuesday at the 1st Baptist Church 1515 E Robert S Kerr blvd. start-ing at 8:00 p.m. come in through west door.

For more info contact 405-238-4574

from your Roth IRA. And by leaving your account intact for as long as pos-sible, 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 ben-eficiaries must take annual required minimum distri-butions, but they have the option to take the distribu-tions over their lifetime.

Keep in mind, though, that your Roth IRA is part

of your estate for pur-poses 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 sched-uled to drop to $1 mil-lion unless Congress

acts on this issue. Some states also have

estate taxes that apply at amounts less than the fed-eral 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.

ers more than 500,000 times. •Working with TV and

music celebrities to deliver a strong no-texting-while-driving message via TV ads, concerts, public appearances, Twitter and Facebook.

•Launching an aggres-sive 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 pro-grams.

•Working to provide a toolkit of no-texting-while-driving information to every high school in the country.

*Challenging device mak-ers and app developers to work with AT&T so that all devices include a pre-loaded, no-text-and-drive technology solution as soon as possible.

• Launching an online driving simulator at www. itcanwait.com in the corn-ing weeks — so that anyone with access to the Internet can experience the dangers of texting while driving.

•Bringing an in-car simu-lator to more than 200 loca-tions before the end of this year.

•Enlisting others — includ-ing law enforcement, educa-tors, national retailers, con-sumer safety groups, legisla-tors 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 Sheriff's 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 driv-ing while under the influence this is becoming a leading cause of vehicle and pedes-trian accidents.

"These are intentional acts committed by drivers. Like alcohol and drugs, it's a choice, a bad choice.

"I applaud AT&T for tak-ing 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 first-hand 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 — ultimate-ly, we'll reach even more of that critical and impression-able 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 collabora-tion of national, youth-serv-ing organizations, includ-ing non-profit organizations — such as Students Against Destructive Decisions (SADD) and Mothers Against Drunk Driving – and govern-

ment agencies, such as the Governor's Highway Safety Administration (GHSA).

AT&T shares in their corn-mon goal of promoting safe and healthy behaviors among our nation's youth.

In addition, many other governmental, corporate, non-profit and other organi-zations 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 wwwitcanwait.