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Show II Sun Advocate Price, Utah Tuesday August 27, 2002 3B Me Halley yoiiih innops Shauna OHearon Shauna OHearon was re- cently installed as honored queen ' l" . . - ,3r ' t rv s . ta v .;' . 'T ' ' j -- . - fr of the International Order of Jobs Daughters Bethel 3 cl Price. Shauna is the daughter of Tkd and Jana OHearon. Shaunas grandparents are A1 and Ruth Wieland and Louise OHearon. ' , - : ',' i- - v . , rfV, - ' :. ' r 'V;! : P"A' tv . v? vi,v '. - spe-p&al- ly '' . formal induction program intended to introduce beginning teachers to district procedures as " well as school culture and expectations, indicated superintendent ' David Armstrong. Not just here, but nationally, . faiaity new teachers leave the profession after just a few years because of serious issues in educa V ' ' .!, J ': .' 7 ;T ; -- ;; -- JT4? y!:vv , H T? . 't3rr; Me Halley misstoiaries County is a good place to live and to work and we want to make this first year of teaching a positive, successful experience, of Beginning teachers must : rt Elder Serfustini .. '& Elder John R. Serfustini recently returned to the local area after serving in the Spain-La- s Palmas mission for the Church of Jesus Christ of Latter-da- y A. com- mented Taylor. New teachers include Elizabeth Cunningham, Robert Gitlin and Joe Meanea at Mont Harmon; Emily Gibbon and Mika Salas at complete nine assignments organized to provide foe techniques to start to evaluate their teaching and learn to develop lesson plans as well as strategies to meet the needs of students, explained district mentor program coordinator Kristen Thylor. Most of all, we want these new teachers to know that they Academy. New teachers are expected to v' are not in it alone. Carbon visit the classrooms of veteran master mentors, work cooperatively to design lesson plans and videotape themselves as a means tion like overcrowded classrooms, inadequate parental support, more school violence and shrinking budgets. The expectation of new teachers often turns out to be very different than the teaching reality they face, pointed out Armstrong, New teachers are paired with veteran classroom instructors employed in the school district Many of the veteran teachers have been formally trained under the direction of the Utah Mentor are participating in activities designed to help the edu--. pators survive in the classroom. This is the second year of a .''w ', TIPS mentoring program.The formal induction program is intended to introduce teachers to district procedures as wed as school culture and expectations. -- Jiew teachers Elizabeth Cunningham and Joe Meana practice carousel brain- forming with veteran educator Joe Cha as part of Carbon County School District's New teachers employed by the Carbon County School District . .V .KW' rv Saints. Elder Serfustini will speak Sept 15 at 9 ajn. at the Price 7th I Helper Junior High; Suzanne Mansfield and Brenda Martinez at Creekview, Rex Jepson and Kale Peacock at East Carbon High; and Cathy Wilson at the ju- LDS Ward, located at 995 East 700 North. He is the son of John and Ellen Serfustini He is the grandson of Maxine Biyner, the late William Biyner and John and venile detention center. Janet Serfustini Utah department details changes in state statute governing insurance referred to as a The Utah Insurance Depart- ment recently announced a products. The change in the insurance . guidelines ensures that Utah consumers, particularly senior citizens, are treated fairly when . they buy annuity contracts, in-dicated the state agency. . The goal is accomplished by prohibiting withdrawal penal-- . ties in an annuity policy beyond foe later of age 70 or the 10th . anniversary of the policy. According to state officials, two problems were addressed when the law was changed: - -- 'Some annuities contain high withdrawal penalties, ; ! . .department. 'Another market problem mml ''.involves an insurance product Sharon Cortese Former Price resident Sharon L Cortese was recently appointed human resources director forUtahsafiioes of education and rehabilitation. She has worked as a rehabilitation counselor, staff training and development coordina-tor- , human resource analyst and human resource specialist Cortese is a graduate of College of Eastern Utah and Weber State University. She received a master of science degree in human resource eco- . . i . Fabric i Ston Howe iDemiston: i' SftMM 711 East Mala - Pries Jt. -. ... t. j. ' I I.. - ' www.cdnsuniefpr8f8rrBd.iiet . Did , 7NL SualAM-SP- ; byRichardfrom JDavesBemina 100 N., Price 8 637-334- - 43430-010- 0 M . : . M I V fN ever 9 ke the sieve Jest formlHi end mom bech ivith e full cert ef greceries? snve Monev UKs'U DUUGH VOUH fifllUt TO VOUR DOOR! 650-1HU- UI (44ss) Mon.-Sa- t, 10 a.tn.-- 6 SgR sp starts August 28tb 30fo 9:00 am. to 6: 30 p.m. Ctassss start hissdiy, Sept M (Jazz, pokrta , ctogojag, bade, . . tap aoO taws team) ctesses (Spianars Gymnastics WHATS NEW 1. Mom Me ages Team, pawar tumblng, tumUng aai chear) Ages 3 yrs and up AanMc Danes Slap M davstopmaat, IS mot to 36 mu ZAduRAmcs 1 Couple danca twice a month learn the Tuigo and Mambo 4. Mother-daughtfashion show er 5. Modeling SQquetle 6. Accept VISA MASTERCARD 7. New eqidptnenllnciiidtegAir-Tfo- k I . and cMdrens mountain. The AIRJrakwB be a huge hefy forstudents learning progressions. They w&beafatoperform more difficuRstiints,leam and perfect back handsprings and tucks with ease. ages 4 thru 18 none (435)897-984- 4 'jz.' --i dear, Check out our Dance Team and Junior Champions program p.m I SEE WHATS NEW AT Dc Rodrf Dance Modeling & Gym ; Cl i j i . Exciting New Quilt Classes SIGN UP NOW! NEW Bernina " g Sewing MachinC: I Mse-I- . Featured on your White & Green Phone Book Covert uPio50OFF jiruSffi 0 the ears continues to grow It's ta)e you know, this is what happens to 45 year old's Happy Birthday Buddy! 637-073- 2 Many Items On Sale m 0 0 9 : t In grow glow FALL SIGN UP Labor Day Sale In Stock Coolers Only, 9 The hair E-2- 00 0 . nose hair wB Mour gray hair wM The Coll Hidden withdrawal penalties are confusing and mislead-ing and violate foe law, advised the state officials. There are 239 insurance (Continued on page PB). 0 ' 34,000 g consumers. Window Mount 0 4 9 Tuesday . Downdraft $ ' 9 6 Thursday . Roof Mount $ 4 Tuesday children to handle allowances: Close-O- ut .. San Advocate ticularly to senior citizens, Swamp Cooler 9 $ 9 9 & Fair Value Service, Quality preopOGovo buyers continued the state agency. Many senior purchasers at Allow locations across foe state, believe that the annuities will (Continued from page 2B) beginning of the allowance period makes for a long week or yield a return at the higher interest rate and fail to focus on month. It is better to let a child make mistakes when there is little to the effect of a surrender prior rethe the to lose, such as no trip to a movie with friends. When the youth are maturity date or and spend too much at the beginning of the month then .older distribusum for lump quest cant make their rent or mortgage payment, the stakes are much tion . If foe annuity is surrendered higher. prior to maturity or the owner requests a lump sum payment at maturity, only the lower surnot expect to be rescued by adult members of their families. render value will be paid. Sometimes it takes tough love from parents to teach children The only way foe higher anto be value is can realized if be financially wise.. However, unless Carbon County parents nuity foe payout is made in periodic want youth considently coming to families for financial assispayments, added the state in- tance when they become adults, it is well worth the effort. surance department The primary effect of the two level tiering is to create a hidden withdrawal penalty for Kerin Drolc'i Birthday! Ange Cortese and foe late Sam Cortese. . 9 If nomics from University of Utah. She is the daughter of er ' speed limits and stop for school buses with flashing lights. annu- two different calculations to determine maturity values and cash payout values. A high interest rate is credited to the annuity value while only a minimal interest rate is credited to the surrender value, pointed out state insurance de. partment officials. The two values are never equal and the higher annuity, value iynot available as a lump sum cash payment at foaturity or upon surrender. The higher annuity value is only available at some future date, and only as periodic income payments. The two-tiproduct is complex and confusing, par- .when they purchase certain called surrender charges, for excessively long time periods. For example, some policies were sold in Utah with surren- der charges as high as 17 per-- , cent of the premium paid into the annuity and withdrawal for a period up to 16 penalties ' years after the date of purchase. These types of penalties cre- ate windfalls for insurers and ; 'agents, indicated foe state in- feurance department. The windfalls come at the expense of the . buyer, particularly if the policy "is sold to senior citizens and the annuity is surrendered prior to 'foe date of maturity. ' Also, senior citizens who purchase similar policies can lose significant value of the annuity if foey die during foe long withdrawal penalty period. r V The complex nature of the product and the likely windfall JO marketers of the product creates a deceptive sale when made to seniors, maintained foe state insurance er ity. This type of annuity involves . change in the state law that provides protection to Citizens - two-ti- ALWAYS obey school zone . is i . 1 . 1 . ... . , |