OCR Text |
Show Ihf June 2. 2001 Page 7 Imctp go axoiaon Boat safe, boat smart, boat now register for Utahs personal watercraft course tion Course and carry their rtifieute with them whenever they operate. 2 Youth-- , age-1- 2 through 15 mu-- t al-- u operate und r the direct sllpervi-lo- il of a who is year- - of age r older. i PWG opt rator. who are - than year- - of age, who have not met the above A you (Tin your xuninu-boating trip to one or more r of Message From Margie Money ideas for new graduates and newlyweds Spring brings another generation of young graduates and newlyweds into society. Hopefully for most it will be a time of great opportunity and growth. For some this w ill lie a time they take steps that start them on the path to financial freedom. L'nfortunately, others will make money choices that complicate their financial lives - choices from w hich they may never fully recover. Generally, the habits we form when we are young will be those we exhibit throughout our life (be they good or bad). Judy Harris. L SI Intension Agent in Itah County, suggests that young adults often overlook a pow erful ally that can help them become financially' secure. This ally is TIME. A little money and a little interest and a lot of time can provide rich rewards. If an started eighteen-- ear-olsaving $50 a month and continued for 17 years, he she would have $113,680 ($85.1S6 from interest) from the total deposits of $28,200. (This assumes a rate of If the consumer starts saving the $30 a month at age 20 (2 years later) and saved $50 for 15 years, heshe would have $101,7-- ($7 1,7 1 from interest) from the total deposits of $27,000. Having $50 each month to save would mean saving $12.50 a week or $2 each of 25 shopping days. The key is thinking hard about every dollar you earn. In addition to long-tersaving, put some money in d y 5). 1 1 short-tersavings. This might be needed in a few weeks or months fpr, tires or car maintenance or inspection, medical expenses, a repair at home, a trip, an unexpected opportunity, etc. If you decide to keep this money in your checking account, put a note on the check register that $$$ is earmarked for specific needs and not for day to day spending. Constantly monitor that you are spending less than you earn. Don't laugh, this is a concept that most Americans still refuse to practice. Remember that credit cards are not a convenient source of cah Itah Itahs lake-- or re . they are an all tu eav form of debt. If you e a credit card for convenience, pay the bill in full each month. Have a spending plan that Gtuhs rvuir. boating otfieiaD d reflects your priorities and goals. Think you can't budget because no two months are the same? But if you know no two months are the same you can put into your short-tersavings some money each month so when Christmas comes, or the car needs repairs. or you want to take a trip the money will be there. Be patient, flexible, and prepared for unexpected changes and emergencies. Don't try to get everything at once that took your parents a whole lifetime to accumulate. Don't try to keep up w ith a neighbor that seems to be always getting new stuff. If you decide for both spouses to work, you may want to live off of ju.--t one income. Ise the other paycheck to pay off debt, build savings, or spend it on needs that w ill give you pleasure for years. Distinguish between your wants and need'. If you must use credit, do it only for things that you need and that will outlast the payments and interest. Decide if you are going to control credit, or if you are going to allow debt to control your life! Too many people think the only way to be happy is to earn more money. But it is not the amount of money you make that determines financial success. It is how you manage the money you earn that will make the difference. Many people with fairly modest incomes have mastered the money game and are very happy. Remember that the precious thing you give up for money is time, and time does not come in unlimited 'quantities.' $ Save early and consistently, letting compound interest work for you. $ Be sure there is more money coming in than going out. $ Be flexible and be prepared for unexpected changes and emergencies. $ Distinguish between wants and needs. $ Educate yourself on financial matters. $ Your financial success will depend more on how you manage your money than on the amount vou earn. Watercraft IVr-on- al Education Itah u-- Gour-- law 1 e. the provide opportunity for youth.- - 12 through 17 to operate a personal watercraft PWG. i e. Sea Doo. Jet Ski, and Wave Runner) if they meet the following condition-1. Persons years old through 17 t ucce fully complete I'tah's PWG Educa mu-- Mo.- -t honieow ner- - do more damage and inflict to their trees than any more-har- di-ea- m-e- ct. It or -e amaes I The Ltali Legal Notice Database is online! 1 Manual searches are free! Or, subscribe to Search and receive daily delivery of or statewide legal notices of vital importance to your q0 f0; I A I Q iitalilogalnotio.es.com service ot the I,'tail Press Association and your local newspaper A 2 year warranty on parts and labor Quality Work! Terry Jacobson 801 465-299- 6 Blair Jacobson 801 465-989- 1 Randy Steele 435 623-534- 1 , ; : :: " T : ':'r tf SUMMER TUMBLING Stay active this Summer: 'June 8 Tuesdays. $45.00 (Includes Contact Britney Bowles Cell: (435) Home: (435) G60-924- 0 023-0- 7 11 - Aug. 10th cla-e-- haiard-- . and U r- they can avoid the of not finding an available ela The portion of the cour-- e includes instruction and review of important I tah boating law and rule-- , viewing a PWG 1.5-hou- clas-roo- r e, Boating Hotline at (2G2) from within the Salt Like calling area or T m (7 -- afety video. -- of the Salt Lake calling area, or visit from area- - addre--in- g common boating wvvw courte.-i- e. -t- i atepark-.utah.gov. trees a-- ura -- hould he removed from tile trees ba-e- ," he -- aid. 1 rec- ommend removing far i' po lble. The area should look good while maintaining a safe di'tance of between the tree and any po. lble collision with a lawn mower or trimmer. I recommend a minimum of two feet. But even that may not he enough. I recently saw t a hurried teenager the gra and hit a parked car that was 10 feet away from any blade of grass. Consider w ho is mowing and trimming the lawn when making that it a -e -- ocea-ion- leaf pile, he al con-end- eluded, -- - NKBO A(iLNC INC. NhRHI Ob b IC L decision." IgaSBOQ EXTENSION am - - in your child's world. Video games, the Internet, movies and popular music all have the potential to influence youth. Parents can limit both the amount and the kind of media messages that come into their home. Extended exposure to news coverage showing violence should also be limited. Treat children with respect and teach them to respect others. There are opportunities every day in homes, churches, neighborhoods and schools for concerned adults to teach the values of respect for the rights of others, respect for self and personal responsibility for actions. Speak respectfully to children. Show respect by taking time to listen to them and home. by taking their ideas seriously. s to cnoose from, several models ready to move m or Homes start at $f 25 0C0 Model Home open day 1 0 00-- 00 floor exotng ha.e yours bu it pla-- Saturday Stop in and see ls1 1320 Monday 53 N E Nephi Nephi NEW LIST; NGl Eeajt'U execute. e 2 full. 2 half me 5 bedrooms surrounds front baths High floors covered porch th,cugcut. 2 staircases Ca 'or ''C'e deta s waui.fy workmansh p 141 West ICO South Custom built ramb-e5 yea's new, contractors own, 5 bedrooms. 5 batns. 65 acre lot win out bund ngs and shep Completely landscaped with auto sprinklers Ca'I Katny at 435 410 W ICO N Recently upoated land available Additional 460 NEW LISTING E Great house on 1 acre Bring your horses. 570 S. 5 bedroom, 3 bath home has been updated. Deluxe master suite. bedrooms each, 2 car garage, new roof, unit recently redone. Great price. S98.000. 657 E 100 N. 5 bedrooms, 1 bath. 2 acre lot w irrigation. Needs a little 795 N 200 E. Duplex. 2 1 1 TLC. $92,000. rambler w 3 bedrooms. 2 baths, fireplace, jetted tubs, basement to your liking. You will love the kithen as well All brick W. ft. Finish 2,700 sq. as the price. 1297 North 550 East. 6 bedroom, 3 bath, family room'w built-ientertainment basement Gorgeous. Call Kathy center, qas fireplace and web bar. Wa'k-ou- t 206 E 100 S. 3 bedrooms, 2 bath home with over 1,600 sq. ft. 64 acre lot. All wth brick garage 1360 N 600 E. 4 bedroom, 3 bath. Guest house. .43 acre lot. Nice brick home located m Nebo Heights Come and see Just like new 4 bedroom home, 3,800 sq. ft.. 12 acre Completely landscaped. Two tone paint, vaulted ceilings, tile floor and animal rights. You have to see this one. 473 E 760 S. 2 years new, with 95 finished basement. Oer 2,200 sq. ft. 4 bedrooms, 2 bath, awesome family room with surround sound. 3rd bath. All done except fixtures. Vinyl fence and'sprinklers. 244 E 200 N. Beautiful yard, near Elementary School, 3 bedroom all brick home. 2 fireplaces, tool shed. Hot tub stays! 496 N 300 E. Newly remodeled, cabinets laminated flooring, vinyl 12 baths. siding. 3 bedrooms 496 N 200 E. Cute starter or retirement home. Newly remodeled on .28 acres. 1 bedroom 1 bath. Come and See Today! 66 S 400 E Great Beautiful lot in great location. Home will sell as is" or fixed up. Creek runs along back needs end of lot. Roof; furnace and central air less than 5 years old. 110 South Main Street. Gorgeous Whitmore Mansion, Late 1 800s Bed and Breakfast Mansion, still in elegant condition. Beautiful yard with pool, hot tub, BBQ pit, all fully fenced. Seller may do carry back. 462 S 300 E. lot. 1 Talk about how your values have guided your actions in specific personal situations. Teach kindness. Children aren't born knowing how to get along with others, but research has shown that even infants have a natural sense of empathy or concern for others. Children learn through countless experiences in the home, school, church and other settings to develop that inborn characteristic into kindness or unkindness. In general, if children are treated with kind- ness, they will treat others with kindness. Obviously children will encounter unkindness from other children, adults and even from people in their own home. But if adults treat youth with kindness, this will help youth treat others that way. r Discipline without violence. All children sometimes misbehave and all parents get frustrated and angry at times. How we deal with these situations sends a message about dealing with anger that is far more powerful than what we say. Hitting, yelling or using other coercive methods will likely teach children to deal with problems in these ways. Be a positive role model. As parents, grandparents, teachers and others who care about youth, we need to remember to live our lives as if someone is watching us. Someone is. Our youth are constantly watching our example, including how vve deal with frustration, anger and conflict. By your example, help children learn to disagree without being disagreeable. Help them learn to express their ideas without being hostile. Help them look for things they share in common with others, not the differences. The next time you consider acting violently, think about the lesson you are teaching and respond the way you hope your children will respond when they become adults. Chances are high that they will act the way they were taught at ; Hunter Meadows. Brand new homes. Save Thousands! New 512 S 200 Another source of mechanical damage is wires and ropes placed around trees when they are staked. Realistically, most trees do not need to be staked, Goodspeed said. However. gardeners who do stake and tie a tree should remember to remove rope, wire or string within the first year. Trees have been used as Me UNIVERSITY 435) 623 - 1200 MK AfeCMCV Serving Juab County since 1988 a-- over-shoo- hours every summer torturing the trees and themselves while trimming a few blades of grass, or they can spend a few extra minutes and dollars and get rid of the grass, he said. The latter option will save the tree and the gar-- . dener a lot of trauma. them. Consider the follow ing points. Avoid fostering hate and prejudice. When confronted with terrible acts of aggression in our community and world, it is easy to develop fear, suspicion and hatred for a person or group of people. Teach children to separate the person from the behavior: to condemn an action without condemning or hating a person. It is especially important for parents to overcome prejudices and fears. Children who learn prejudice from parents are likely to carry those feelings throughout their lives. I- - i Gardeners can spend Lee, Utah - i -- peace in our home when there is not peace around us? e i d. How can we promote out-id- but in the life of the tree, the tree theyre not. for hade, climbing and an uppint fur a winch, an endtup for piling wood., l clothe- line and a peg hoard for hanging ho'es and other odd' and All of the-- e may eem like a good idea at the- time. -- c i a writ- g U-- -- ." pa--m- ten t. Ipon completion, the lWG operator- - are better prepared to -- afely enjoy Itah'- - watt and enroll To regi-te- r in Itah's PWG Education Gour-contact the I'tah State Park- - and Recreation ke, looting education coordinator for Itah State Park- - "By' planning ahead, Droe-- -- phy-i-cal- ! people heat. hang, rip and whip their trees, then wonder why they get sick or yellow and eventually die." said Jerry Itah State Eniversity Extension horticulturist. One of the myths urround-mg trees is that they are big and tough and can stand up to almost any abuse, he said. In reality, the more they are beat and injured, the weaker they become and the more susceptible they are to insects and diseases. However, most mechanical damage can be prevented. The number one culprit of tree damage is string trimmers, said Goodspeed. Gardeners plant valuable shade trees in the lawn and let the grass grow up around the trunk. They then decide they don't like the grass, but instead of simply removing it. they opt to use a string trimmer once a week. Good-pee- To get rid of the gra-- -. lv imply remove it either or chemically every a weed 'pnng. then place orchemi-oner fabric, hark d around the ba-- e of the : t e. Every couple of months, eliminate any -- tray gra- -. lade- - that invade the area. ' lid Good'peed. Till- - keep-lll- e lawn mower and edger ir enough away to prevent damage to the tree. Many people k how far poi.-o-n. Decrease the violence Springcreek Sprinkling Systems Free Estimates -- me how many have a lasting impact on Internet Tool For Your Business! identification of buoys and than one week before their trip, hoping to get their ihild into one of I'tah's PWG eduaid Ruhard cation Avoid mechanical damage to S)ecialist There are several things a family can do to make home a place of peace, even in a violent and uncertain world. The lessons children learn from family and other trusted adults in the community will A New Indispensable 1 -- requirement-- , may not operate a PWG unle a per-o- n who - at lea-- t Is year- - old a companies them on hoard the PWG. Many people call with le : 12 Answer by: Tom Are you advertising in markets that are doing you no good? Contact your local newspaper to find out how you can advertise on the world wide web and reach the local communities tint your business needs. ! I State University Extension Family and Human Deielop-inen- t BaiinerAd Network (Smart c you to include plan for Localize. The World Wide Web r Nephi. Utah vTimcs-NrUi- s fixer-uppe- fix-u- Levan 267 W 300 N. 4 bedroom. 3 bath home on acre. Additional acre available. 1 Large open floor plan. 240 S 100 E Super nice modular w 3 or 4 bedrooms. 2 baths, carport, fenced yard, situated on 1 2 acre. $1 1 1 .900. 182 W 100 S. - Gorgeous open floor plan. This 3 bath home sits on 49 acre. Has gas fireplace, jetted tub, vaulted ceilings, skylights and fully fenced yard w auto sprinkler. Horse property. 218 S 100 E. New listing 2 bedroom, 1 bath home on 12 acre. With animal rights Call today. 240 S 100 E. 3 bedrooms. 2 bath, den, formal dining room, carport. lot fenced wsprinklers. 100 S. Cute home with 4 bedrooms, 2 baths. On 12 acre with Well kept, on 305 E 12 acre brick shop. Reduced price. Moroni 266 W Main. ing. Manufactured "home. 3 bedrooms, 2 baths, formal dinwell taken care of. Ext. 13 acre, garage and shed. Has been 3420 Santaquin Great investment property with great rental Seller motivated. very history. 266 S 300 W. Duplex. Commercial Commercial Building. (Formally Eagle's Club) Nearly 3,000 square feet. Call LaDaun. 915 N 300 W. Currently used as meat packing plant. Includes equipment. N Main. Nephi. High visibility properly!! Combine Use Zone, will sell all or part. Call for more details. 960 Land Nephi. Prices reduced!. 2 lots in South Towne Subdivision. $22,000 and $24,000. Call for lots. Mills Valley. 1 60 acres of grat land. Can be used for residential, recreation or farming. Flowing well, runs along side the Sevier River. $2,000 an acre. Nephi. .28 acre lot. Great neighborhood. Corner lot. Nephi - Southfowne Subdivision now Mona -- 1 2 acre. Priced to sell. $32,000. selling phase 3. Call for prices. Mona choice lot, Nearly 1 acre. $59,900 Sevier River Ranches. Recreation property. 10 acre parcels, includes water shares. Prices starting at $14,000. Office (435) LaDaun Ray (801) Dody Carter (435) 623-120- 0 367-061- 7 660-108- 4 Kathy Whimpey (435) Amy Griffiths (435) 660-009- 660-122- Email: 5 9 nebonephihotmail.com .. |