MARCH 2006 KRTA NEWS PAGE 9

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I Watch Your Money I Grow With CCU! I I Cindy Block

I Spriag is right aroundthe comer and you I know what that means! Trips to see I the grandchildren and hopefidly that I auk that you have always wanted to I take. The question is: "Do you have I enough money & aside to take that special kip?" Here are some saving I choices h your credit union to help

~ ~ Y i e h l S a v i n g s ~ ~ o u n t 1 Tiered Dividend Rates - the I mmyoumqthebigher the

rate your money eans I 2 No&y semicefw 3 No minimum balance I 4 Unlimited ATM withdrawals

and FREE ATM card

1 5 6 Electronic transfers per mJdh 1 6 OpemwithasWasSdqosit

I . of Deposit &-of ( C b ) are time

I deposits issued by linaucial idtutiom. CDs are available in a wide variety of

6montbstoaslongas loyeanwith ~mqetitivetixednU*

I 1 $1,000 minimum deposit for 7- 1 131 montb cdticates 1 2 $6,000111inimum~itfa6 I monthcertificates 1 3 Divideadsarepaidmonthly 1 4 Quarterlystatements 1 5 Renewaloptiom 1 6 Penalties may apply for early 1 withdrawal I 1 WhenthemonthofApnlcomesaround, sodoestaxtime! Thisisagtrattirneto

1 ~ i ~ f a ~ l a t m i n u t e ~ m An Individual Retirement Account

, plan available to everyone under age 7O? who &es taxable on

amountuptoarmuallimits-whatever I youcanafford-atanytime-shout the year. You have until April 15 to

~contritmtefa~pitxtaxyear

I~r~di t ionnlIRA I 1 Coohibudeupto~,ooo~year. 1 2 You will be taxed on the I earnings when you begin I witktmwingthefunds.

I income is usually ~ lower than I while vou were emuloved

4 You may withdraw fimds at age 59% without penalty.

5 You must begin withdrawing funds at age 70%.

Rdh IRA 1 ContributiomtoaRothIRA

are not tax deductible. 2 ~ b u t e u p t o $ 3 , o o O t h i s

Year. 3 Earningsacauetax-free, so

when you withdraw funds at retirement you will not be taxedonRothfunds.

4 No mandatory withdrawal at age 70%. Principal deposits toyourRothaccOUntcanbe withdrawn at any time, for anyreasoa. Eaingscanbe withdrawn t a x - k after five years for qualified reasons, includii expemes such as, medical.

5 All Roth funds may be withdrawn for any purposes after five yearsand youreach the age of 5%4i

F i i * o l l s ~ W for your funds on deposit. The National (=redit Union Association hwresallaedituniomfunds. Itisa federal agency that oversees the credit unions. The association provides $100,000 of insuratm f a your savings accounts and certificates. Commonwealth Credit Union insures your accounts f a an additional $100,000 &rough Excess

meetingthehigbestsecurity standards. Therefae, your savings dollars are insured up $200,00T) at the credit union. IRAs are insured to an additional $200,000, f a a total of S400,OOO. Best news about this seuuityisthatitisprovidedto you at NO COST.

CCU is pleased to infm you that f a your special savings needs, whether it isfor SavingsAccounts, Cemficate of *it or Individual Retirement Accourd, Kathryne Taylor is here to serve you. Mrs. Taylor has over 20 years of experience at CCU as our CDlIRA Specialist. You can reach Ms.TayiorbycaUiag 1.800.228.6420, ext. 5120 or by email at ktayl~cwcu.org. For additional infinmation on this topic and other personal linancial articles simply log on to CCU's website - www.ccuky.org and select Online Library. Current llrtes and applicatiom are a h available via our website.

Kentucky Office of Insurance Approves LTC Rate Increase

By now you have heard that the proposed rate hmease by We Investors was passed Below is a copy ofthe letter we &ed on January 2,2006, in respolse to Dr. Wagoner's letter opposing the

rate increase by w e ~nvest&~~& - MmditL, - Company. EsmntiveDirrdor

-MENTAL AND PUBLIC PROTECTION CaUlNl3 OFFlCEOF~RANCE

Our office contacted KRTA policy holders and informed them of the proposed rate increase. We asked them to oontad the Attorney General's OEce and the Office of h u p u c e con- the proposed rate increase of W e Investors Insurauce Company. The response was tremendous. We will continue our e f f i to keep communication with nxulatav &es on vour behalf.

Kentucky Wildcat fans andlor fans of Mitchell Tolle, KRTA 2005 Convention

I speaker and Berea artist, may want to go w n T o n e to www.gomeankittv. com to take a look at the latest new painting recently made available by the Tolle Gallery. The print, MEAN KITW, represents the rivalrv between UK and U of L fans.

PAGE 10 KRTA NEWS MARCH 2806

1 YOL- \IIGHT \VANT TO KNOW

I with a special Buy 1- 6st 1 Fnn, o*. I Jun~ to4ucurr 19,2006

Show yw KRTA k n h Card at h e d purchase w ~ m e m b e r s h i p o n a p h m a o r d e r a n d r e c ~ h e o n e f r e e ~

w i l h t h e ~ o f o n e ~ ~ . MWd06\1(X06 6 9 r U w d m b f i r ~ r l s h m d

AARP K e n h d f s Feaiured Eanployer Spotlight ibis qu&x is on Kelly W c e s , a company that appreciates the taleat mature workers to a job. Kelly is both a natioaalAARPFeaturedEanployerandaneofAARP's"BestE.s,loyewforWorkers Over 50."

Kelly offers a wide range ofempl- opportunitKs m Kentucky. WWhm you am looking Ex supplemmtal hvxrme or would like to try a new career, Kelly Supervisors ~gui&youtfwugtithejobseeicingprooesejlrstasthq.didfbr~RobertrThey offer many short-term or fong:-tem positions as well as tempomy-t& pdi- Paid training is often providixl.

Ifyouwaottoleaanmslcillswfiileinteractingwithcustomers.Ke~~ce9'clierds arekquedyinneedof~onis t sandcusto lnersenice~es .Orpefhaps you would prefer the behind the sceees en- of daily life at a local oompcnry while helping to keep their records organized. Kelly Sgvices has openings for . . a d m r m s t r a t i v e ~ c l e r i c a l p d i ~ a n d d a t a ~ ~ ~ w h i c h a m v i t a l t o k e e p i n g t h e i r ~ ' b u s i n e s s e s n a r m i 0 g ~ y . Ifyouareyoulookingfornew e~~ and have an outgoing peasoaality, you might try Kelly's seminar greeter p d i ~ l l ~ a n d s e a e t s h o p p e r ~

Tofindcwmmeabout~y S e r v i c d ~ ~ p l ~ v i s a W ~ at www.kellyservices.com or coosad one of the Kelly Wces brancdKs m our many K e m K k y l e i n c ~ A s h l a o d ( 6 0 6 ) 329-9133, mEOgOreen(270) 842-2906, Damilk (859) ZX-3432, Fbrmm (859) 525-8770, Fradcfat(502) Z3-8285, He&ason (n0) 826-1 140, Louisville(502) 425-713 1, -(859)224-3819, (606) 75P4470, Ridmod (859) 624-1644, WinctKster(859) 744-0961.

To invgtigate job at 0th AARP Featured Employers, visit w w w . a a x p . o r @ ~ employers.

For Richer Or Poorer

Every spousal haucial relaticdip is unip. ~ t h e y e a r s , ~ 1 e s d e v e l o p t h e i r o w n @ems for handling fumcial matters. S o m e t i m g i t i s ~ ~ ' ~ r e s p o n s i b i l i t y t o mauageal l~somethnestheoQhea's andsomethnesaccmbidioawhateverffie ~ o n , c e r t a i n ~ ~ b e s h a r e d . -Hem&ey

coup1esshouldooosiderrmrtual~~Exandlcnowl*d

Re&eme&pbms:Taketheto~aoqugirdeach&withemployer reCirement~.Botfipartnersshouldhave~~*ofpeason plans, 4 0 1 0 accounts and IRAs. For a complete picture of expected ~~beccmeEamiliarwaheachother'sSocialSearritybeoefdq asweKUd&adqrettrement . . bem& inhmation will bring c h i @ a d f k c i m e - p m

Credi tcarddoaaneats :Thisonecanbescety .~may~tonot knowhmuchcreditcarddebtWspou9ehasacanrmlatedWltit'swise t o ~ ~ t o f i n d ~ n u m b e r s m c a s e o o e l a s e s h i s o r h a w a l l e t andneedstheothertohelpcancelfhecud.Also,mutualawaremssof& card debt amounts will help with developing a famihl's overall finam4 plan.

Power of attorney: It is $enewlly a good idea to have power ofaitomey on anyhdivi&allyowned~jnstm*~seonebecomes~orothemise - ~ e . P o w e t d ~ c a n b e ~ t o ~ c ~ o o 9 E x a c e r t a i n period, such as selling stocks or witBdrawing money M e trading Abroad dommentthatautlmrizeseachpartnertohandlealmostany~aninthe

'7 -othea7saiwaceisalsoacomidemtioa

Wma, trusts and life bumnee: It's especially important to share " k&ma!ian about wills, trusts and lif% insmame if either bas been manied before.Thmoouldberestrictioo9cmhowsomeassetsmaybeusedand bediciarkle3unchangadbymistake.Mostimportaot,makesureeach partner bows where to f d wills and will be able to easily access it if --tohappen.

Health tnearanee policies: Most insurance companies will cover care . . admmskd m the 16rst 24 to 48 hours of a medical c z y , even ifthe coverage details have not been sorted out But the situation Wt as clear with hospital visits that are less urged If each partner is covered under a d i f f ~ ~ p l a n , b o t h s h o u l d b e f a m i l i a r i z e d w i t h f f i e r e q ' t "hoops" they may have to jump through.

Ifone spouse bad a sudden i h e q would the 0th know which docbor to call Wtogetandrayfatreabmeot?IfnOe,~riskmnningupbigbillsatan out-ofmork dodos.

lhkss I-: Ifone spouse owns a business or is a partner m a pnksional ~both'should~waboutanypersonallygruaaoteedloausItis~calto beawareof~essincehouseholdilssetscanbehitifthebusinesscan't WY the 1-

W e many don't necessarily need to know everything about their spouse's hmcs, maintaiuiug a working knowledge of the above points can help mabtain proper, balauced control over a fannilyts finaacial It, 11

If there are multiple KRTAmembers in your household, you are now receiving only one copy of them%.

Over 4,000 members are family members residing m the same household. By seeding only one copy to your househoId, we can save KRTA dues dollars. If you want to mt inue

receiving multiple copies of the wwsWm,just let us know.

MARCH 2006 KRTA NEWS PAGE 1'

KRTA OFFICE 231 -5802 (from Louisville)

1-800-551 -7979 (from outside Louisville) (502) 231 4686 (fax)

krta98@aoI.com (e-mail) www. krta.org (web site) KFtTA ENDORSED PROGRAMS

KRTA LEGAUNE 1-800-232-1 090

krta@buckmanandfarris.com Buckman, Farris & Rakes Shepherdsville, Kentucky

KRTA FINANCE 8 INVESTMENT INFO 1-800-927-0030

Hank Hensley Louisville, Kentucky

LONG-TERM CARE INSURANCE 1-866-899-5796 or 502-553-7630

DENTAL INSURANCE COMPBENEFITS

Contact Weilage BeneM Specialists (Third Party Administrator) 1 -866-WBS-PLUS (1 -8664327-7587)

AUTOMOBILE 8 HOMEOWNERS INSURANCE 425-8450, ext 243 (from Louisville)

1-800-225-8281 (from outside Louisville) Liberly Muhral Insurance Company

HEARING INSTRUMENT PLAN 244-5378 (from Louisville)

1-800-286-61 49 (from outside Louisville)

HOME SECURITY SYSTEM Protection First 502-41 2-7037 1-800-91 54741

KY TEACHERS' RETIREMENT SYSTEM 1-800-61 8-1687 or www.klrs.org COMMONWEALTH CREDIT UNION 1-800-228-6420 or www.ccuky.org

AARPMRTA SPECIAUST Bob Estes 502-245451 3

ORDER FORM KRTA MEMBERSHIP PIN

Please place an order for @ $2.50. I #of phrs I

Enclosed please find mylour check in the amount of I $ I

I Please send pins to: 1

I I

I I I I ( Send completed Order Form to: KRTA I 1 7505 Bardstown Road 1 I Louisville, KY 40291-3234 I L----~---m----------mmm~mm-J

q u i p s , Quotes & Puzzles

M o m and G r m b

Before I was a Mom, I slept as late as I wanted and never worried about how late I got

into bed. I brushed my hair and my teeth everyday.

Before I was a Mom, I cleaned my house each day. I never tripped over toys or forgot words to a lullaby. I didn't worry whether or not my plants were poisonous. Ineverthoughtabout' . .

Before I was a Mom, I had never been puked on

pooped on. chewed on. peed on.

I had complete control of my mind and thoughts. I slept all night

Before I was a Mom, I never held down a screaming child so that doctors could do tests or

giveshots. I never looked into teary eyes and cried. I neva got gloriously happy over a simple grin. I never sat up late hours at night watching a baby sleep.

BeforeIwasaMom, I never held a sk+i baby just because I didn't want to put it down. I never felt my heart break into a d o n pieces when I couldn't stop the k

Ineverlmewthat~~me~sosnallcouldaffectmylifeso m h I never knewthat I could love someone so much. I never knew I would love being a Mom.

Before I was a Mom, I didn't know the feeling ofhaving my heart outside my body. I didn't know how special it oould feel to feed a hungy baby. I didn't know that bond between a mother and her child. I didn't know that something so small could make me feel so

and happy.

BeforeIwasaMom, I had nevergotten up in the middle of the night e v e 10 minutes to

make sure all was okay. I hadneverknownthemmth.

the joy, the love, the heartache, the wonderment or the satisfaction o f b e i i a Mom.

I didn't b w I was capable of feeling so much before I was a Mom.

And before I was a Grandma, I didn't know that dl those "Momn feelings more than doubled when you see that little bundle being hdd by 'your' baby.. .

Contributed by Betty H e d a

PAGE 12 KRTA NEWS MARCH 2006

ADAIR Eliza W AUen Judith H Sewell ANDERSON Grace -m Pearl spears BATH MaryG GOodP- opai Hickey Paul Preston Lucille F Rawlings WdliamK Steele Jr BELL DorisS Peace BOONE Sybil Creaghead BOYD GwenQlyn Dailey Clarice J o h w e y Kemard Helen Jo K k e r James stualt BOYLE Maxine Maxey BRECKINRIDGE Frank Reams BULLITT V i M Francis BUTLER Jesse J Evans CALLOWAY Hattie Glem Carl E mhy CAMPBELL Nancy L Dierig CASEY Harold Dale K

Leish Wdford

OCTOBER, NOVEMBER, DECEMBER 2005 U. . . these immortal dead who live again in mindr ma& better by their presence. . . "

IN MEMORIAM

Robert K a y , President of KRTAm 1991-1992 and long time chair of the Health & Insurance Committee, passed away m October. He sban be greatty missed.

CHRISTIAN George Nyla H CLAY EliLabech DAVIESS v i Frances A FAYETTE George w Nacfni Mi D Elizabeth Maria FLEMING Mary FLOYD Corinne M w e t Hershel Charles v i FRANKLIN Robat chsistine GRAVES Leanna Mary GREEN Ruth HARRISON Mary HARDIN Mae

Esters Hi@

Knuckles

Fugate Lasbbrodc

Carpenter Gooch McCracken Melvin Ragland Scorsone

Ward

Allen Cdlins Corm Curry Goble

Kelley Morrow

Austin MemU

Price

Bell

Miller

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HARLAN Charles Hunter Earldene Powell HENDERSON Mary Bmaddw Joyce A Hagan Becky schrnat HENRY Ruby Collette Lee peyton Jr HOPKINS Amanda Dever Elaine D Poe JACKSON Paul Boad JEFFERSON Versia AUey Margaret Wnt Anne Carter Esther Clark Wallace E Daugbety Doris Devers Merrelene Dickerson Veda L w Annette V Gale EmoryJ Gates Ina Hall Janet Hicks ElnoraT HipJjns Cleo Joiner Jr W-E Kolb James A Lomax Esther Mum JLizrella Pye Carolyn Quire Eileen Seidler Bin Slnith John B S t e ~ b Leoc MY Robext West JESSAMINE CumieL Delaney Jolm Slnith JOHNSON RogerL Adams h e Blevius KENTON Dorothy B Mahl Geneva M Powers KNOX Susan L Arthur Hennena Gray - w LARUE Beatrice A Kessler

LETCHER Ruby C Co&

Myrtle Statlard LINCOLN Aleene Manis DermisJ w o r d LOGAN Marie A Tuma LYON Gladqse camon MADISON James S way MAGOFFIN MoIlie WY MASON Jewell S Kacbler MCCRACKEN Lawrence Milliken MONROE Helen J Downing MONTGOMERY spencer C Chappel Jr Maty K cheoault MIJHLENBERG DorothyG Whitney NELSON Margaret B Blair NICHOLAS Lottie A O'Bam~on Bernice D Whitaka OHIO Paul May PENDLETON Raymond Ruber PERRY Ovetta T Basey M d L Combs Florence Deaton Mart RMie PIKE Alama Burke Chester Damroa patsy L Hubbard James V Powell Maurice Trivette PULASKI E Foster ROCKCASTLE Lillias A ParretI Lucille A F'urceU TAYLOR Maurice Millgs UNION Rose M Hite

WARREN Antha McKinney Joe F Patrick Herman spear - walker David B wb&aker =LEY Hobart Bird Mary L Bunch GraceB Peace WOODFORD Leah Bolcas WOLFE Bert E W e r OUT OF STATE Alfred Barr - VA Camellia Champion-FL LeQta Charles-FL M~moe Fu* - FL Louise Gardner - MS w w Golden - IN Frances M Greenhow - TX Lucian Hall-TN Harlan Hopkins - OH Betty Jones - OH Thorms Jones - MD Thelma Luney-FL Lee Miller - OH c+=ge Moses-TN Maty Muss-Smith - M Ruby New - NC Dorothy Noel - FL Margaret O'Men-FL Eugene Russell-FL Jane Sdmeider - FL Juauita Skidmore - FL E v e b Smith-IL June S d h - OK Paul M Tarmer-UT Ersie Thomas-WI Stella Tietze-AZ Robert E Trester - IN Ilene B Wills- IL