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Show PU2UC AUCTION Sat, Oct. 27 - 10:10 A.M. 224 West 1100 North, Farmington, Utah Estate of Grace M. Anderson (deceased) 1953 Chrysler. 4 dr. Farmall Cub Tractor, entire houjful ot quality furniture, many misc. Items and collectibles. Sale conducted by Auctioneers Glenn Short & Assoc. No limits 5614578 No reservation! L' 'imiiiiiM 'i ' iiimiM-iTin mil ! i nan i nrn -in imr n i i i Now is the Time . . . have your Christmas portraits taken at Pixy! Special sL Christmas Package - One 8x10 Three 5x7's 16 Wallets f' A reg. $22.05 ' NOW 1 $17.55 LKc ' (Save $4.50) f . Pictures may also be purchased individually: 'X Each 5x7 $2.45 and Each 8x10 $4.90 ' , "1 from original package. Charge it. " ' 1 Deposit $2.45 which can be applied to the package J ,3' ( 1 special or other portraits from the original package. , l i; J I e Children up to 12 years of age 2 or 3 children "- ' 3 together, $1.00 additional Choice ol several poses f I and scenic backgrounds Copies and enlarge- i menls of your first choice available at higher prices . Satisfaction guaranteed or your money refunded No appointment necessary Offer expires December 31, 1979 Pixy studios are permanently located at JCPenney Hours Monday-Friday 10-9 Pictures taken Irom 10-6 only BOUNTIFUL 101 West Pages Lane v -w-iirVKrac Cross of Christ Lutheran CM ; 1840 South 75 East, Bountiful, Uia" Sunday School 9:00 Worship 10:15 Advertisement SPEAKING OF It'ONEY HOW TO APPLY FOR A LOAN By EZRA T.CLARK President Davis County Bank How can you borrow money when you need it? What do they ask you? What are your chances of getting it? Let's talk about loan. I remember the w mm. , first time I ever took out a loan. I ' t was young then and felt embarrassed em-barrassed because ' f?-. . ' I I had walked into ; 1 a banker's office ; 1 J and asked to bor- ' '. row money. He I , J was a grand old f .J man and he said jL 1 to me: "Son, quit i J I acting like you're f Jn asking a favor. 4a4 Don't you un- p derstand? You're EZRA T. CLARK the customer." Well, I've never forgotten that. I pass it on because lots of people feel the same way. There's no reason for it. Sound loans to sound borrowers are the underlying structure of our whole economy. Without loans few houses would be built, still fewer apartments and practically prac-tically no office buildings, shopping centers or manufacturing plants... not to mention schools, hospitals, churches. Hardly a business would operate. But we're not concerned with the country's economy here. We're concerned con-cerned with that new house you're thinking of, or the business inventory you want to finance, or that new machine-tool you need to make more units faster. Maybe the loan is for col-lege col-lege tuition, hospital bills, a home improvement im-provement project, a new car, anything any-thing that cries for money you don't have at the moment. What can you do about it? First, double-check the organization you plan to W -Choose one your friends think '; By the way, I recommend you borrow from your friends. Keep11 business level. And I, of course n'-mend n'-mend dealing with a bank. Before you go to the ba ;' yourself five important l' Your loan depends a good 11 answers. First, will you 1 1 ' make the installment paynie : your present income? Ho that income? Second, hst, ,; established good credit ,aia ,!'. ing your bills promptly? W ; you be able to handle all Pj"; major expenses that you coming, such as taxes W ' premiums? Fourth, do you , collateral to put up, such stocks or bonds or real estate. Finally: will the benefits oti be worth the cost of inte , these over. If tne "yes"Walk in and apply loan. i;;! The fact is, you're not favor. You're involved ui a transaction. The bank yourc . with has the right to an hontf. , on its investment in you- B j the customer. If ycm don' ., merchandise, walk out ano ping. . ...edit.'- The bank will be intere earning capacity, )'our collateral, and your charac want some references. mi But of earning Vm' e If-lateral If-lateral and character, 0ji , banker rated the latter w fl; portant. 'Til take char? j, time if I can see the pro"1' , : Remember, banter? . ' (; you money. After all," s"ltii-part s"ltii-part of our business, portant, you Mg |