Battle Creek Enquirer from Battle Creek, Michigan • Page 18

'(I 8B FEATURES Sunday, July 1 7, 1 994 Battle Creek Enquirer Neighbors plus Timing: When will you get a pension? task force names leaders 'n Fifty Plus Educators' The Greater Battle Creek Area Educators Task Force recently announced the election of Glen Walter as chair for the upcoming year, and Ben Barkema as vice chair and chair-elect. Walter, currently superintendent of the Harper Creek Community Schools, joined the Harper staff in 1962. Since 1986 he has been superintendent and a member of the task force. "The Task Force provides an opportunity for cooperation between public and private schools that is very exciting," Walter said. "I look forward to having the chance to facilitate the process." Barkema has lived in Battle Creek since 1975.

He has taught for the entire time at Battle Creek Christian School in a variety of grades. In 1987, he became admin- Local program marks This is the second part of a three-part series about pensions. Your plan is likely to give you your full pension at age 65 unless you are still working under the pension plan. There are some plans, however, that allow you to collect full benefits at earlier ages. A number of plans off er disability pensions that are payable at earlier ages than retirement pensions.

Some plans continue benefits for as long as a worker is disabled. Others stop paying disability benefits and start the retirement pension once the worker reaches age 65. If a disabled worker is married, the disability pension will typically be reduced to provide benefits for a widow or widower unless the worker and the husband or wife agree in advance to give up the protection. Each plan providing disability pensions has its own rules for deciding whether a worker is disabled. Pensions are usually paid out as monthly benefits over the lifetimes of retirees (and their widows or widowers).

Plans can, however, give other payment choices, allowing retirees (and their widows or widowers) to take their benefits over a number of years rather than for life, or for benefits to be paid all at once. a Contract bridge NORTH 4A642 V54 AK76542 WEST EAST J8 73 4K1095 9876 VKQ32 Q10 J98 10 8 3 4 6 2 SOUTH TAJ10 3 4AKQJ9754 The bidding: North East South West 1 Pass 3 Pass 3 4 Pass 4 NT Pass 5 Pass 5 NT Pass 6 Pass 7 NT Opening lead nine of hearts. There are plays in bridge that have to be seen to be believed, and here is one of them. Correctly or not, South got to seven notrump as shown, and West led the nine of hearts. Declarer took East's queen with the ace and, with only 12 tricks in view, had to hope that when he ran his clubs something good would happen.

Practically all South knew about the defenders' hands at the start was that East almost surely had the K-Q of hearts. After cashing seven club tricks, declarer arrived at this position: You should know that if your plan permits you to collect your pension in a lump sum, you have to pay taxes on it unless you put the money into an Individual Retirement Account within 60 days. If you are less than age 59V4 when you receive the lump sum, you also will have to pay a 10 percent tax penalty. When a plan converts lifetime monthly payments into a lump sum, it makes assumptions about your life expectancy and the plan's expected investment earnings. If the total value of your pension is $3,500 or less, your plan may require a lump sum payment.

A free booklet, titled A Guide to Understanding Your Pension Plan, is available by calling Alberta Duck at 966-8136. This column was coordinated by Alberta Duck, senior service coordinator, for the Battle Creek Health System Senior Advisory Board. SENIOR ADVISORY BOARD Battle Creek Health System, 300 North Battle Creek, MI 49016 North A AK76 West J87 Q10 East J98 South 10 3 4 His next play was the four of clubs, on which West discarded a spade, and it was on this trick that declarer made a very peculiar play: He discarded dummy's ace of spades! This odd move had a catastrophic effect upon East. It did not matter what he discarded, because South was now sure to make the rest of the tricks. If he chose to part with the king of spades, South would cash his queen of spades, squeezing East in hearts and diamonds.

If East discarded a heart or a diamond instead, declarer would automatically score the rest of the tricks. And so, it turned out that the "unmakable" grand slam could not be stopped. Tomorrow: Another Famous Hand. STEPQUOTE Glen Walter Ben Barkema istrator of the school and a member of the task force. He is currently a member of the Area Wide Staff Development for public and Christian schools.

The task force is a consortium of administrative representatives from the K-12 public and private schools in the Battle Creek community: Battle Creek Public Schools, Food Bank of South Central Michigan, Good Samaritan Hospice Care, Charitable Union, S.A.F.E. Place, Humane Society-Calhoun Area, Literacy Council of Calhoun County, Historical Society of Battle Creek, Marian E. Burch Adult Day Care and Rehabilitation Center, Guardian Calhoun County Chapter of the American Red Cross, The Adoption Cradle, Burn-ham Brook Center, Art Center of Battle Creek, Calhoun County Communities in Schools, Washington Heights Community Ministries and the Substance Abuse Council of Calhoun County. Additional guests included representatives from Senior Information awarded to soldiers for meritorious service, acts of courage or other outstanding accomplishments. He is a wire systems installer stationed at Fort Richardson in Anchorage, Alaska.

Coffman is a 1992 graduate of Pennfield High School and the son of Steven G. and Jan M. Coffman of Battle Creek. Michael D. Luzius has been commissioned a second lieutenant in the U.S.

Air Force upon graduation from Officer Training School at Maxwell Air Force Base in Montgomery, Ala. He is the son of David P. Luzius of Battle Creek and Jackie A. Luzius of Daytona Beach, Fla. Luzius is a 1980 graduate of Harper Creek High School and earned a bachelor's degree from Golden Gate University, San Francisco, in 1992.

Ann Landers Syndicated Columnist Her friend could be in big trouble DEAR ANN LANDERS: I am a 13-year-old girl and have just learned through my sex education class at school that my mother's boyfriend may be molesting me. But I'm not sure because I have sort of him. I have had a crush on Gary (not his real name) from the first time we met. He is very good-looking, and we get along great At first, the three of us did things together, and Gary and I horsed around a lot. Gary was trying to be friendly, and I'm sure he didn't realize that I was getting stuck on him.

Mom is a nurse and works the second and third shift a lot, so Gary began taking me everywhere. We became pretty close, and it was easy to flirt with him. I was the one who initiated our first kiss, which surprised and embarrassed him We are now into some serious petting and fondling. We both get very aroused when we are together, and I just know we are going to end up in bed together. Ann, I'm very confused.

Is Gary molesting me if I encouraged it and we both like what we are doing? Could he go to jail for what I started? I would feel awful if I got him in trouble. He really can't help himself when I tease him and come on strong. Please answer in the paper since I don't want Mom to find out what is going on. D.R. Dear D.R.: Even though you admit to coming on to Gary and initiating the sexual play, he would be found guilty in a court of law of contributing to the delinquency of a minor.

If you have sex with him, he could be convicted of statutory rape. Although you feel that you are at fault, let me assure you that this is not the case. You are 13. Gary knew this when you started to tease and tempt him. He should have told you to stop the flirting and behave yourself.

The burden of keeping the relationship in the proper perspective is on the adult. Gary could be in big legal trouble if this situation becomes known. It could also break your mother's heart. Stop it at once. DEAR ANN LANDERS: I was widowed after 41 years of marriage.

I recently met a wonderful man who lost his wife after 40 years of marriage. Sound ideal? Well, not really. "Al's" sister-in-law, "Louise," decided he shouldn't have a lady friend and began to lecture him about the hazards of ADDS. Louise then started to write him nasty letters calling me a tramp. (I am 64 years old.) Apparently, Louise couldn't stand it when Al asked me to move into his home, which I did.

Unfortunately, his home is directly behind Louise's. It's tough to live in another woman's house because you always feel her presence and are constantly being compared with her. I don't mean to be disrespectful, but invariably, the deceased wife takes on the qualities of a saint. Meanwhile, Louise is trying to destroy my relationship with Al. Sensing this, I asked Al to buy another house and move out of the area, but he wants to stay here.

I am capable of supporting myself, but I care deeply for this man and doubt that I could find anyone who could compare with him. What is your advice? Strictly Anonymous Dear S.A.: Al is going to have to choose between you and Louise. I hope you win and Al agrees to move. ANN LANDERS Creators Syndicate, Suite 700 5777 W. Century Blvd.

Los Angeles, Calif. 90045 Answers to today's puzzle A I I 1 DlI lljlllsllilLrEkjTlAllcl an G3ir.i iiiivTJiiBf iliiL ilililililiil.lTUl -jrliilrlfl Harper Creek Community Schools, Lakeview School District, Penn-field Schools, Battle Creek Academy, St Philip Catholic Central High-School, Battle Creek Christian School and Family Altar Christian School. Additional representation comes from Kellogg Community College, Calhoun Intermediate School District and the Battle Creek Community Foundation. 5 Its purpose is to improve the educational opportunities for students in the Battle Creek area, and to share ideas and resources whenever possible. The collaborative plans, coordinates and acts as a clearing house for educational activities, grants, projects and innovative approaches to instruction as they relate to educators, students, parents and the community as a whole.

first year and Services, DAR.E. program, JC Penney Golden Rule Award program, Senior Ambassador Corps, HOPE Line and Community-Wide Network of Interpreters. "At least 109 individuals have told us of their AccessVision viewing of our organization," said Pat Jones of the Historical Society. "We truly are indebted to AccessVision for their service in keeping the Battle Creek community informed about the Historical Society of Battle Creek." Agencies interested in additional publicity via Volunteer and Information Network should contact Emily Edsall at Volunteer and Information Services, 965-0555. 4-H horse leaders, Burger King plan fund-raiser Monday The Calhoun County 4-H Horse Leaders' Association and Burger King on Beddey Road will team up for a fund-raiser from 4-8 pjn.

Monday. Burger King wiH donate a portion of its sales receipts during those hours to the association. Proceeds from the event will help the association provide ribbons, trophies and other awards during fair week, Aug. 14-20. The 4-H Horse Leaders' Association is a collection of all horse dubs in Calhoun County.

It provides a safe, regulated environment for youths ages 8-21 to learn about horses and horserelated activities. This year, the 4-H Horse Clubs will sponsor the "4-H Fun Night" at the fair. This is a friendly competition between all 4-H groups. 103 Elliptical 106 smile be 107 Vacuum (up) 109 Daughter of Hyperion 110 Vane reading 111 Author Wallace 112 Some name suffixes New York Times Magazine crossword Volunteer and Information Network, a monthly AccessVision show sponsored by Volunteer and Information Services, recently completed taping of its 12th show, marking the one-year anniversary of the service to community agencies, organizations and programs. The staff and board of Volunteer and Information Services expressed its appreciation to AccessVision, its staff and the many volunteers who have helped produce the show over the past year.

The following agencies participated in the first year of Volunteer and Information Network: Volunteer and Information Services, The Arc, Community Action Agency, In the service Army Pfc. Philip L. Mitchell has been decorated with the Army Achievement Medal which is awarded to soldiers for meritorious service, acts of courage, or other outstanding accomplishments. He is stationed in Fort Hood, Killeen, Texas. Mitchell, a wheeled vehicle mechanic, is the son of Barbara A.

and Robert C. Mitchell of Battle Creek. He is a 1980 graduate of St. Philip Catholic Central High School. Navy Seaman Recruit Sean E.

McGinnis, son of Michael S. McGinnis and Deborah K. Ebeling, both of Battle Creek, recently completed basic training at Recruit Training Command, Great Lakes, 111. Army Pfc. Brett S.

Coffman has been decorated with the Army Achievement Medal which is puzzle Fresh Noted name in cat caricature Conductor Rodzinski yandz Phlebotomists' targets Privations Hitchcock forte Gradual deterioration Hamper Betting game, informally Fork prongs Secret rival Genre Tankful Wagner girl Road to the Rhein Stand side by side Soul singer Baker With lots of Biblical verb Pitcher Tiant Limping, perhaps Overdone Cowardly Lion's name Is parsimonious, with "out" Australian food fish Actress Braga 30 of the world's land Zero 70 Investor's work, for 72 Happy sort 74 Gists 76 Worked up 77 "It's no 78 Women's 79 Ragout of partially game 2 2 5B- 29 35 ST 38 45 146 147 52 56 57 63 71 76 78 53 86 90 8T99 104 108 Tu BY ALVIN CHASE EDITED BY WILL SHORTZ This puzzle is dedicated to the memory of Eugene T. Maleska, whose first Stepquote appeared in The New York Times Magazine 30 years ago this week. 53 Muslims 105 Plant with 54 Federal farm arrow-shaped subsidy plans 56 Reagan Secretary of State 60 Rational belief in God 62 Church of St. Maclou's site 63 Star in re re re mo 112 iu iu tstttt-Ti pf 33 11 2B 37" 153 3ff 131 teRJ-pH I 39 0" 41 42 44 48 I I 49 50 51 53 54 55 I I 58 59 1 60 61 62 64 65T 66 Jb 68 69 70 72 73 4 75 79 "80 61 84 85 87 88 89 91 9" 93 94 9" 96 100 I 1101 102 103 jl05 ioT loT 109 1110 1111 112 Til 65 Messy abodes 67 Stanzas and Pathfinders 71 Sound equipment 73 Singer-actress Susan 75 Establishes 76 Old West transports 80 Titian's ACROSS 1 Put in piles 5 Feudal status 14 Enervates 18 Bend 20 Roman title of honor 21 Notportbound 22 Of base eight 23 Crossing lines 24 Alex Haley epic 25 Stepquote beginning across and making six turns down the grid 26 Threefold 27 Compensates 28 Blotto 29 Group of quail 31 Author of the Stepquote 35 Lower 37 Snobbish ones 38 Demand 41 Boy who takes a bow? 42 1988 Tom Hanks comedy 45 "My People" author 49A.M.A. members 50 City south of Gainesville 52 Test site 17 19 21 27 30 32 33 34 36 39 40 42 43 44 45 46 47 48 50 51 55 57 58 59 61 64 66 68 69 leaves 108 Courtyards 109 Photo equipment 113 Hearsay 114 Computer command 115 Racecar, usually Scorpius 116 Has meter, as poetry 117 Spiritual, e.g.

118 Stinking vermin 119 Kind of cap or jerk DOWN Scrooge's look Light purple Go through cycles Perfectly Kid (TV for children) 6 Peace 7 Mineral name ending 8 Playoff rounds 9 McNicholsand Market Square, eg- 10 the day (near evening) 11 Nibbled 12 "By (minced oath) 13 Hesitation sounds 14 Condescends 15 Unanimously 16 Playwright Shaffer -1 ,9 and Cupid" 82 duDiable 83 Out of the way 84 James Woolsey's org. 85 Bathroom sprinkle 86 She has a ball 87 Statuesque 88 Without any changes 90 Thin tangles of cell chromatin 94 Conk out 97 Source of the Stepquote, with "The1, 101 Refrigerate 102 Show appreciation for 104 Habituated 96 Popular TV news magazine 97 Performs entrechats 98 Start 99 City on the Po 100 "The Dream of Gerontius" composer 101 Inverted 81 Northwest Irish port 85 Lao 87 Even 89 Clockwatchers 90 Necklace 91 Double fold 92 Box 93 Bogeyman 95 Tarzan short roasted.