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Show i By JANET LOWE Copley News Service how well a job is compensat- Once upon a time hunting for a job was simple. You went out on interviews and took the best paying job you couid find. NOT SO any longer. Women entering the job market have become painfully aware of the term fringe benefits, and are discovering that it means a lot more than the possibility of dating the boss. "It wasnt an easy decision," said secretary KRISTI KOON Happy Birthday The Davis County wishes a happy birthday to Kristi Koon, daughter of Mark and Sherry Koon, 448 North Fairfield Road, Apartment 57, Layton, who celebrated Reflex-Journ- her al birthday r first-yea- April 19, and to all others who are at thus -- Pic- Reflex-Journa- l. each Thursday from 11:30 a.m. untd noon at the office m JOIIJS f.lEBlGAL STAFF SYLVIA Porter, in het financial directory, "Sylvia Porters Money Book, points out that it wasnt unusual for d of a workers paycheck to go for deductions. "If your employer simply increases your pay so that you could buy your own life insurance, health insurance, etc. you would have to pay income taxes on your fatter paycheck. But if he offers these fringe benefits you get the coverage without Reflex-Journ- Layton. While salary alone cant be considered when determining Is Projected The nations real Gross National Product is projected to increase by 4.2 percent to $1,391 billion in 1978, down from an estimated growth rate of 4.8 percent in 1977. Industrial production is expected to advance by 5.5 percent in 1978, as compared with 5.9 percent this year. soil-grow- n today sometimes demand premium prices for n -a of simple begin? question w a Its stores and garden centers. will hold their monthly dinner meeting Thursday, April 27, 7 p.m., at the Roy Elks Lodge. DR. RICHARD will be the 0. Ulibarri guest speaker. His seminars on topics of current interest such as "Image of and Successful Women Cultural Awareness and is the author of numerous published articles such as "Negro Legacy in America and Utahs Minorities at Hill He received his Ph.D. history from the University Utah in 196.3. Active in civic affairs, Dr. Ulibarri is presently serving on the Roy city council. He is married and father of two children. AFB. in of Todays Woman. tution. HAS given many A vegetable garden doesnt have to be a huge project covering half the backyard and requiring undivided at- tention. usm THOSE to Bssi The Disabled American Veterans (DAV) organization, Chapter 14 of Layton, will hold its monthly meetings beginning in May in the Layton Community Church, (144 East 1000 North, Layton. Meetings will be the second Wednesday of each month beginning at 7:30 p.m. ALL ; members are enmeet-- . couraged to attend the mgs. Visitors and prospective members are welcome, dmg Show-Me-Ho19-2- who attend the Fair, April at the Salt Palace Exhibition Hall in Salt Lake City, will have a chance to learn a method of vegetable gardening which reduces the size of the garden by 75 percent and still yields as many if not more crops. Fairgoers can attend class -a on a intensive gardening method which uses every square inch of the garden for planting, reduces cultivation and weeding, and conserves moisture. THE SCHOOL will he Kaysville Rotary Meets At Dinner their Crane Building, Firestone Building and Elks Buildings in the Salt Lake City area. THE PROGRAM was under the direction of Ernest Little, They were developers of the Ernst Hayn, the fifth largest shopping center in the United The Kaysville Rotary Club met Wednesday evening at Davis High School for regular dinner meeting. . : : : program chairman. Guest speakers were Bob Robinson and Ted Kaiser from the Developments As-- : sociates. The company is developing the new Kaysville Mall north on Main Street. THEY SPOKE on the developing of commercial, residential ar.d the rehabili-- : lation of buildings. They have been developers of residential areas in South Jordan, Sunset Oaks in Indian Village and many areas In Sandy. They also rehabilitated the old Ashby, vite prospective members to the meeting. Any business women in the area from Kaysville to Roy who have not Directions come with some preparations. Further information is available, usually free, at colleges, libraries and from county extension agents. If you're tired of tilling the soil, and want to till water, for a change, nothings stopping you. 825-281- 2 Dr. Ulibarri is currently serving as Dean of Continuing Education at Weber College and was formerly a professor of History at the same instiHE GLORIA been contacted and are interested are invited to call or Mrs. Ashby at Mrs. Gloria Thim at for further information or reservations. topic will be "Change, Challenge, and Response As It Affects MRS. membership chairman, is the event. hostessing Members are requested to in- Slates and Fashion Place Mall in Salt Lake City. MR. ROBINSON graduated from Brigham Young University and the University of Utah. They operate a consultant firm in Salt Lake City. They will also be working on the new Layton Hills Shopping Mall. MR. KAISER will be the manager of the new Kaysville Mall. There is additional space in the mall available (or rental, np taught by Joe Falk, Jr., and Jim both . Mackey-Smith- the field recognized of intensive gardening who have been putting their experts in knowledge to practice for many years. Intensive gardening is probably the thing of the in this country," said Falk. We are the only nation in the world that hasnt gone into it. fu- ture "IN JAPAN, where the method has been used for many years, an eight by ten foot section of vegetables can feed an entire family. The key to intensive gardening is deeply dug, mounded. highly fertile, well aerated, and moisture retaining soil. This can be done with any kind of soil by thoroughly mixing in organic materials sui h as compost and manure. EVERY portion of the prepared soil is then utilized. Rows of vegelables are eliminated in favor of seeds planted every few inches apart across the entire bed. Through intensive gardening methods, yields about as many carrots, for example, as can be harrow in a vested from a conventional garden. OVERLAPPING leaves in the garden shade out and prevent the growth of most weeds, which simplifies the upkeep of the garden. Under the leaves a miniature greenhouse is created which keeps the soil temperature fairly constant and retains moisture. "Because the garden takes such little space, intensive gardening is ideal for people who live in apartments or Falk condominiums, remarked. "Vegetables can be grown on patios, decks, or actually in the house. NO MORE SLAVES A bill was passed on April 3, 1862, abolishing slavery in the District of Columbia. Serving Aboard Missile-Cruise- Navy Aerographers Mate First Class Kenneth R. Adams, son of Mr. and Mrs. Waynard H. Adams of 146 South 350 East, Clearfield is serving as a member of the staff of Commander, U.S. Sixth Fleet, embarked aboard he guided missile cruiser USS Albany, operating from Gaeta, Italy. THE U.S. Sixth Fleet is comprised of 45 to 50 surface ships, 200 aircraft and more than 23,000 officers and enlisted personnel. THE CLASS will cover what types of plants are compatible, which types of vegetables are best for this type of garden, and techniques of the method. "Students leaving the class will be ready to start their own intensive garden," said Falk. In addition to the Intensive Gardening school there will be 20 other schools and more than 120 demonstration booths providing instruction over a wide range of skills, from furniture refinishing and wallpapering to spin ccxikery and house plant care. THE our against maintain-in- aggression European allies by mobile striking forces, to promote peace and stability in the Mediterranean area and to create goodwill for the g United States. JOINED the Navy ADAMS in 1968. July 0 p.m. Wednesday and Thursday, noon to 10 p.m. Friday, and 10 a.m. to 10 p.m. Saturday. Admission and events are free. No goods or services will be sold. The Fair is by Ernst Home Centers and KSL Radio and Television. Supporters of the event are Utah State University, the Deseret News, Mountain Fuel Supply Co., Galaxy Outdoor Advertising, the Fabric Shop, and Valley Bank and Trust. Fees ranging from to $3 "ill be charged at 300 lampgrounds in the National I orests of the Intermountain Region this year, according to Regional ll.onre. $1 Forester Vern APPROXIMATELY 327 oilier campgrounds in the region can still be used without charge. lies at some campgrounds are up I $1 from last year. here will be 34 campgrounds with a $3 fee. 19 with a $1 fee, .uni 247 with a $2 fee. There are also 67 group reservation areas involving both tamping and picnicking sues where barges are made for group or organizational use. Reservations for these areas are taken at the District Ranger headquarters. NO FEES are charged for individual family picnic areas, Ixiat ramps, or visitor ccniers.1 ices for extended use of campgrounds will be charged only at sites which offer designated tent or trailer spaces, drinking water, cess roads, refuse containers, Imtet facilities, campfire I. u dines, reasonable visitor and where protection. umlorm fee collet lion can be ,isured. Promotion To Lt. Col. - Lt. Col. Moon, commander of the 388th Field Maintenance Squadron at Hill AFB, has been promoted to lieutenant colonel in the Air HILL AFB Leonard R. Force. HE IS THE son of Mrs. L. Moon of Far- Margaret mington. Colonel Moon graduated Irom the University of Utah in 1963 with a B.S. degree in geography. He masters degree Central Michigan political received his from University In 1975 in the field of personnel management. COLONEL Moon, a veteran 15 years of Air Force service, is married to the former Delores Cunningham, daughter of Mr. and Mrs. Carlos J. Cunningham of Farmington. of stock and disability insurance, plans, and even unemployment benefits must be examined to determine the real worth of a job. profit-sharin- g women MANY dont realize, for instance, that not all jobs carry unemployment benefits. Its wise to ask. In "What Every Woman Doesnt Know," Gustave Simmons points out that fringe benefits have yet another value. They tell you something about the company itself. If an employer touts its SHE ALSO realized that for all of us, retirement is always than it seems. closer A prudent person looks ahead. Barbara Mills, like many other women newly into the market, has learned the importance of being in on the work iringes. REPORT OF CONDITION of CLEARFIELD STATE BANK, of CLEARFIELD in the State of Utah at the close of business on MARCH 31, 1978 Dollar Amount In Thousands ASSETS Cash and due from banks $3,331 1,301 Treasury securities Obligations of other U. S. Government agencies and corporations Obligations of States and political subU. S. 767 divisions 4,023 Other bonds, notes, and debentures None 5 Corporate stock None purchased 500 offices Loans, Total 14,897 (excluding unearned income) Less: Reserve for possible 142 loan losses net Loans, Direct lease financing Bank premises, furniture and fixtures, and other assets representing bank premises. . Real estate owned other than bank premises 14,755 None 1,259 None Investments in unconsolidated subsidiaries and associated companies Customers liability to this bank on acceptances outstanding Other assets None None 3 25,944 partnerships, and corporations and savings deposits of individuals, partnerships, and corporations Deposits of United States Government Deposits of States and political subdivisions. . Deposits of foreign governments and official ac- Fair Show-Me-Ho- will be open from Missions of the Sixth Fleet are to protect U.S. citizens, shipping and interests in the Mediterranean area, to deter trusts, 7,044 Time now available at many plant The Lakeview Business and Pension purchase plans, stock options, group life, health, accident Demand deposits of individuals, of a chemicals, and technique. Concentrated plant food is Professional Womens Club benefits, though some companies offer help with daily expenses as well. Sears, Roebuck and Co. for instance, gives a discount which allows employees to buy a wide range of items, all the way from household appliances to gasoline for an automobile. LIABILITIES pots and the right number THESE items arent usually covered by fringe TOTAL ASSETS 0 Gffc quality produce. HOW DOES one ready cash. workers may be treated shabbily in other areas as well. If the company has a reasonable wage, plus a plan that helps pay for college classes, you can assume the company views its workers as assets, encourages them to stay, and better themselves. BARBARA Mills, after thinking It over, decided to accept the secretarial job with the better fringe benefits. She found that the health insurance plan covered visits to doctor and dentist offices, as well as hospitalization. She also learned that she was vested in a retirement program after only several years of employment. she children, "My explained, "are still young, and our doctor bills can really ruin my budget. Trading account securities and funds sold securities Federal under agreements to resell in domestic GfiP Increase Hydroponic vegetables and flowers may well be the coming thing. Experts say one can now grow both tasty, nutritious vegetables and Deau-tifflowers in water using the right chemicals. THE system is no longer theory. Not only are the vegetables and flowers comparable in every respect to counterparts, they are said to be cleaner, and to require less work. Its all been done, and proven. Commercial growers water-grow- the fringe benefits alone. After all., rent, food and clothing must be met with paying increased taxes. Porter goes on to say that the employer can usually get a better buy on the various insurance policies than you as an individual could. Gardening Without Soil: Good Crest wood Drive, Kaysville. The general practitioner is a native of Chester, S.C., and a graduate of Presbyterian College in South Carolina and Emory University Medical School, Atlanta, Ga. He did his internship at LDS Hospital in Salt Lake and was in general practice in Hawaii two years. He and Dr. Wayment are memlxTs of the Davis North Medical Center staff and will do private work from their new clinic which is under construction in Kaysville. g one-thir- time. Parents of babies about to become 1 year-old are invited to have their childs picture taken (free of charge) for printing in the tures are taken Barbara Mills when describing two jobs she was offered. One had a better salary, but only by $20 a month. The other job had a plan, and better health, accident, and life insurance plans." Barbara, like many other working women, has only recently become aware of the importance of her fringe benefits. profit-sharin- benefit package in want ads, yet actually has a mediocre package, you can guess that ed, neither can you consider FOREST users are reminded that 65 MTcent of the fees lolleeted are returned to the nrost Serene for operation and maintenance of recreatI ion lacilmes. 25 percent distributed to counties for public ,( bools and roads, and ten percent made available lo the Set retan ot Agriculture for mainand construction tenance of roads and trails. Halls. Persons 62 years or older ami those who accompany Imm are entitled to use i.tmpgrouiid facilities at one-luthe regular tee with a (, olden Age Passport. This does mu apply to group lt reservation ureas, (iolden Age Passports may be ob- tained free at most Forest Service offices by showing pronl of age. most ALTHOUGH campgrounds are expected to be open by Memorial Day, some will remain closed until a later dale. For information about specific areas, especially at high elevations, please contact the local District Ranger or Forest Supervisor Office. Maps of individual National I orests and certain special maps cost 50 cents each. institutions Deposits of commercial banks Certified and officers' checks, TOTAL DEPOSITS $23,160 $8,091 (a)- Total demand deposits $15,069 (b)- Total time & savings deposits TOTAL DEPOSITS IN FOREIGN OFFICES TOTAL DEPOSITS IN DOMESTIC AND FOREIGN OFFICES Federal funds purchased and securities sold under agreements to repurchase in domestic offices Other liabilities for borrowed money Mortgage indebtedness Acceptances executed by or for account of this bank and outstanding Other liabilities 14,331 51 1,410 None None ' 324 . . None . 23,160 None None None None 35 TOTAL LIABILITIES (excluding subordinated notes and debentures) Subordinated notes and debentures EQUITY CAPITAL Preferred stock No. shares outstanding None shares authorized shares outstanding 40,000 38,450 2.3,195 None None Common stock No. No. Surplus Undivided profits Reserve for contingencies and other reserves TOTAL EQUITY CAPITAL .385 1.6(H) 764 capital None 2,749 TOTAL LIABILITIES AND EQUITY 25,944 CAPITAL MEMORANDA Average for 15 or 30 calendar days ending with call date 3,192 Cash and due from banks Federal funds sold and securities purchased 84 under agreements lo resell 15.04.3 jtotal loans Time deposits of $100,000 or more 1,851 in domestic offices 22,749 Total deposits Federal funds purchased and securities None sold under agreements lo repurchase None Other liabilities for borrowed money None Standby letters of credit outstanding Time deposits of $100,000 or more in domestic offices: Time certificates of deposit in 1.851 denominations of $100,000 or more. Other time deposits in amounls of None $100,000 or more Number of operating branches as of 3 call date I, CLEON WHEELER, Cashier, of the above-namebank do hereby declare that this report of condition is true and correct to the best of my knowledge and belief. CLEON WHEELER State of Utah, County of Davis ss: Sworn to and subscribed before me this 10th day of APRIL, 1978. JOE S. JACKSON Notary Public Comm. exp. .... '. d Correct-Attes- t HAROLD : C. STEED MORRIS HANSEN ROBERT W. SPEIRS I, C. B. QUINN, Chief do hereby certify that copy of the statement this office on April 12, Directors Examiner of Financial Institutions, the foregoing is a true and correct of the above named bank, filed in 1978. Chief Examiner of C. B. QUINN, Financial Institutions |