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Show Page Six - The Springville Herald - April 22, 1987 That's Life 4 X-1 til I The third annual Dumber Than Dirt Award 1 L f 1 ' ' .- . 1 :: tmmr-- - f J -, "vf Carolyn Boardman, left, and Vicky Jones, show the cute bears that will be used to decorate the tables at the opening social of the Hobble Creek Ladies Golf Association. The bears will be sold after the dinner to those attending. They would make nice gifts or decorations for the home. Tickets for the dinner should be purchased by Friday, April 25. It will be held Tuesday, April 28, at 6:30 p.m. at the club house. uvii puao iu uc yivcu away at opening social Reservations for the opening Wooden bears have bee social of the Hobble Creek Indies iWnmtP thp tahlps at the r social of the Hobble Creek Ladies Golf Association should be made by Friday of this week. The social will be held next Tuesday, April 28, at 6:30 p.m. at the club house. Tickets can be purchased from Loraine Steffans, 489-6873, or Millie Peterson, Peter-son, 489-5406, or any member of the ladies golf association. Tickets can also be purchased for the golf pass that will be given away on the evening of the dinner. And any lady who wants to join the association can pay their membership mem-bership that evening prior to the dinner. Reutzel receives honors D. Ray Reutzel, a resident of Springville, was honored at Brigham Young University as the receipient of the 1986-87 College of Education Excellence in Research Award. As additional recognition of his excellence as a teacher and researcher, Dr. Reutzel was recently promoted to the rank of Associate Professor of Elementary Education at1 Brigham Young University in Provo. Reutzel OIMOVIN 111 I'll AM 'KIM II (,KOWIN(, N M !K ( U I HUM Grouinq vour uu 11 trull i dn nif.in plMtv ! "fresh tlitm the If'" yoixim'sv uhllf disc luwcrint flMHl l USIN Suit .iiuiltu't reason tin i.iislnq wwi iiu.n fruil is ihr flf -sdlisfm turn .till) JtMSUII 'OU 4't llum Im'jimi (iill'I'Mirs .mil imokitiq voursWI with naluti' ANOTIll K BOM s HAVE YOUR SHADE 8 EAT IT TOO flldkp HI Al Potted Fruit Trees From s15 99 Apples, Peaches, Cherries Pears, Plums, Apricots Walnuts and Almonds 'Strawberries Sequoia & Quinalt bundle $099 of 25 4 Flowering trees & shrubs Weeping Cherry, Plums, Lilacdf Roses Now Premium Grade No. 1 biodegradeable containers transplanting Non-Patented :9 "OUR SEEDS GROW (Tr? Center EED vQ; 1030 South State Street Provo-373-3740 Two blocks south of Provo Cemetery Wooden bears have been made to decorate the tables at the dinner and will be for sale after the event to those interested. They would make good Mother's Day presents or wedding gifts. Official play for the ladies golf will start on May 5 at 7:30 a.m. with a four-man best ball. The ladies will golf each Tuesday morning with the first Tuesday of each month starting at 7:30 and lunch being served after, the ladies finish. The dinner Tuesday will include a fashion show along with prizes and the drawing for the golf pass. joined the faculty at BYU in 1985 and had taught previously at three other colleges and universities in the southern and western U.S. Reutzel received his Ph.D. in 1982 from the University of Wyoming. Dr. Reutzel is the author of over twenty national articles, monographs, and book chapters on teaching children to read and write in the elementary school. Nectar of the gods" Grapes 1 rifin, tfw pkdsurfs dI growing dt'lii ious qr A?s bdek yard Bare Root Stock $049 From Each Shade Trees Large Selection in Stock roses, all potted in to insure safe easy Patented SQ49 by Roger Sturman This year, the Dumber Than Dirt Award goes to the nation's insurance companies. They continue to come up with one stupid product after another in hopes of separating us from our hard earned money. The two latest moronic products are "Single premium Whole Life," and "Universal Life." There are many other names for these products, but as a rule of thumb they are CASH VALUE life insurance policies. The insurance industry is notorious for trying to figure out ways to get their hands on your money. They will keep it for your whole life and then when you die or retire they will give it back to you plus a small amount of interest. The iarger amount, the money they have made by investing your funds, will be put into their own pockets. Single Premium Whole Life is the newest (and dumbest) product the industry has ever spawned. They ask the American public to pay $10,000.00, for instance, for an insurance in-surance policy. When you die, they will give it back to you with a little interest. Would you believe people are actually buying the stuff - even though they could get better interest at their local bank? Some of the policies are much more expensive, running into the $50,000.00 range. The thing you want to watch for are the terms "current rates," and "guaranteed rates." The word "guaranteed" does not mean the lowest rate. It usually means the highest rate the insurance company will charge. The term no one wants to discuss in "N.E.Y." or Net Effective Ef-fective Yield. That's the real cost of your insurance and how much you can expect your cash value insurance in-surance policy to be worth after one year or five years. Most insurance agents haven't even been instructed as to "N.E.Y." by their employer, so they may just give you a blank look when asked about it. Universal Life has been around about five years now, and was praised by the industry as being a little bit better than Whole Life. It isn't! In fact, if your insurance agent has switched you from Whole Life to Universal Life, your cash value may be all gone. It is held by the insurance in-surance company under the disguise of extra charges and penalties. If you had $4,000.00 built up in a cash value policy, for instance, and then switched to Universal Life, your $4,000.00 may no longer exist. The insurance companies have introduced this product to stop the large numbers of people who are switching to low cost "Term" life insurance. The problem is that only those people who are trained to read the language of the policy can understand un-derstand what the heck they bought. There is one sure thing about an Results of scramble Thirty-two members of the Hobble Creek Men's Golf Association took part in the 4-man Scramble last week. Golf President Blaine Bird thanks all who helped with this fun event. The winners and their scores were as follows: First place went to Jim Simmons, Dean Oldroyd, Danny Lamb and Earl Child. They scored 58 with a net of 44. 'Second place went to Blaine Bird, Ted Murray, Doug Strong and Fred Huff with a score of 62 and a net 47.5: Third place was taken by Randy Rodriguez, Paul Thorpe, Wes Vincent and Randy Merrill with a score of 63 and net 48.5. BOWLING REPORT Early Bird Ladies April 6, 1987 Leage Standings TEAM: W L E. Dean Brian 18 6 Luxury Homes 12 12 Brailsfords 11 13 Vaud Hanks U 13 LesHardys 10 14 Mulletts 10 14 High Team Game E. Dean Brian, 634; Les Hardys, 624; Mulletts,620. Individual High Series Hilda Hardy, Hardys, 472; Lillian Van Wagenen, Brians, 469; Betty Gonzales, Mulletts, 468. Individual High Game Brenda Prince, Mulletts, 181; Betty Gonzales, Mulletts, 179; Electa Clark, Luxury, 179. BOWLING REPORT Early Bird Ladies April 20, 1987 League Standings TEAM W.L E. Dean Brian 21 11 Mulletts 17 15 Brailsford 16 16 LesHardys 141-2 171-2 Luxury Homes 141-2 171-2 Vaud Hanks 13 19 High Team Game Les Hardys, 621; Mulletts, 606; Vaud Hanks, 606. Individual High Series Vicky Bott, Brians, 492; Betty Gonzales, Mulletts, 479; Jo Atwood, Brailsfords, 479. Individual High Game Betty Gonzales, Mulletts, 180; Vicky Bott, Brians, 179; Lillian Van Wagenen, Brians, 176. "A cold is both positive and negative. Sometimes the eyes have it and sometimes the nose." William Lyon Phelps insurance policy, though, if it doesn't state, in exact words within the body of the policy, what you thought you were buying - it isn't so. Even separate papers are considered con-sidered "proposals" and not binding on the policy. Another not-so-nice thing that the insurance industry likes to do is to sell a thing called "Annuity." An annuity is just the opposite of life insurance. With an annuity, you give all your money to the insurance company and they will pay you back a little bit at a time. They like to do this with death claims for widows that are beneficiaries of large sums of money. Using annuities, the insurance in-surance company gets to keep your money and pay you only a small amount while they operate their business on the interest of the balance. One type of annuity actually ac-tually goes back to the insurance company on the death of the beneficiary. In other words, you may have to outlive the payout period of the annuity or the insurance in-surance company will not continue payments to your heirs. Isn't that nice? Insurance companies are the wealthiest institutions in America and they continue to find new ways to use our money to fatten their own pockets. Life insurance is very important to a young family, but not really practical for the elderly. Life Insurance should only be used as "income replacement." In spite of that we continue to see advertisements ad-vertisements on TV showing senior citizens how to spend their money for insurance. When the policy comes it is generally for $1,000.00, not even enough to pay for a funeral. Many folks that are in their fifties and above have insurance that they have been paying on for years. Some of those policies have reached the point where the amount paid in equals the amount that the insurance in-surance company will pay out. Annual policy fees are being charged just to keep the policy in force. Owners of that type of policy are actually self insured, but are paying the insurance company for the priveledge. If all of this seems confusing to you, I am not surprised. We, the public, have been told for years that we are not smart enough to manage our own money. Most of us have come to believe that and have acted accordingly all of our lives. The insurance companies have taken advantage of that philosophy and continue to legally rob us of our life savings. I saw an interesting sign the other day, it said "CAUTION, IT HAS BEEN DETERMINED THAT INSURANCE COMPANIES CAN BE HAZARDOUS TO YOUR WEALTH." Free soccer clinic at 'Y' There will be a free soccer clinic for all boys and girls. It will be an informative, motivating program with emphasis on skill development and tactics for coaches, beginners (boys and girls), and advanced players. There will be free prizes given away. There will be two sessions at Brigham Young University at Haws Field (west of the Smith Fieldhouse). The first session will be for all youth players, coaches, parents, and p.e. teachers on Friday, April 24 from 5:30 to 8 p.m. The second session is for all jr. high and high school, college and amateur players, coaches, parents, and p.e. teachers (youth welcome) on Saturday, April 25, from 9 a.m. to 12 noon. Please bring your own soccer ball to participate and practice soccer skills as directed by former in- PROVO OFFICE 373-7500 1550 N. 200 W. HOURS: 8:00 EMPLOYER SERVICES ' Continous, automated maintenance of company applicant file. Test selected applicants for virtually any occupation. Automated matching of job requirements with applicant skills. An applicant file of 8,000 active job seekers. A job opening file of 11,000 job per year. Money saving programs, such as JTC (tax Vocational guidance, job search workshops, credits). resume assistance. Information about the labor market. Information about the job market. Applicant registration sessions 8:30 daily e x c e p t Thursday. Monday through Friday 1:00 p.m. YOUR PUBLIC EMPLOYMENT SERVICE NO FEES 2, li The Nuggets Basketball Team of 3rd and 4th grade boys are shown above. They are: back row, Coach Bob Liddiard, Seth Poulsen, Jacobe Wouden, Ricky Chappell, Jake Huff, Chad Davis, Ben Ward and Coach Douglas Bringhurst. Front, Aaron Smith, Mike Hurren, Mike Bringhurst, Jory Liddiard and Ricky Lamb. 1 0 The Lakers Basketball Team of 3rd and 4th grade boys are shown above. They are: back row, Coach Chris Sorensen, Bart Madson, Zac Chatter-ly, Chatter-ly, Brad Daybell, Sammy Giles, Charlie Peterson and Bronson Black. Front, Brad Strong, Willy Averett, Mike Sorensen, Boone Thomas and Kurt Sorensen. - 1 ' , . s ; i J I I P. - 1 i . vy i -i ...i ' , . y y -m 'Sr SET- ' U -rrvS1 1 f J (,UXU l I 1 1 : The Pistons Basketball Team of 3rd and 4th grade boys are shown above. They are: back row, Chad Bunce, Tyler Evans, Brett Hall, Nathan Newbury, Mike Jacobsen and Coach James Ahlstrom. Front, Danny Richens, Marcus Boyer and Jacob Hansen. Missing are Mikael Boyer and Kelli Olas and coaches Mark Stewart and Robby Robinson. r I I . J The Mavericks Basketball Team of 3rd and 4th grade boys are shown above. They are: back row, Coach Derrick Johnson, Coach James Ashly, Greg Felix, Jared Oakes, Paul Ekins, Mike Sanford, Jeff Nackos and Coach Lindsay Parker. Front, Matt Lewis, Jonathon Miner, Brad Hitchcock, Hit-chcock, Brannon Johnson, Rand Morris and Chris Dent. ternational and professional soccer player, Hubert Vogelsinger, and BYU head soccer coach, Jim Dusara. For more information on this and our other soccer camps and workshops, please contact BYU Conferences and Workshops at 378-4903. 378-4903. About half the people in the United States depend on groundwater ground-water for their drinking water. tnn SBWICEdZ: To Find a Job or Fill One 5:00 Mon, Tues, Wed, and Fri; Thurs 9:00 5:00 h ;i1UU?M Lay i ( V; " 1 Fte ill rHrrrrtTrr! 4 : Continuing a tradition ot quality family vision car Schowten Optical U now CENTRAL s UTJUL- ex6cafb DX. STEPHEN C. LEWS Optometrist Hours MF 9-5:30. Sat 9-12 noon Carillon Square 305 E. 1300 S.. Oram 224-3133 PROVO OFFICE 373-7500 1550 N. 200 W. APPLICANT SERVICES Continuous, automated job search service without the necessity of being present. Selective job placement based upon test profiles. Automated matching of your skills with employer job openings. |