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Show Thursday, November 20, 2008 SPRINGVILLE HERALD 19 win III sit I Mi i tut it - Ionia l ! mmm.t !- ' i m j it XIIM II i Mr 1 r I mm if ' 4' r 1VA 4 44 p i 1 t'-UfJJM.Ml .! , 1UH..MJ I JIM mi.. .. will uiu.uiiuw.m .. nu i.L.imm.inj iliij .. I um . u ., ' x - ji - '1 ' 'v nm : ihi vii ; if 5A Following a delicious dinner, this Springville Book Club met at Sheri Furbecks in October. The book chosen for November, "The Invisible Wall" by Harry Bernstein, was reviewed last week in Debbie Balzotti s Book Look column. This book is a good choice for all book clubs who want to read a true story written by a wonderful author. Thanks for a great recommendation! " i i . -ii Inm X A i v4A hH f l- : -.'v: til The weather is turning colder and the animals are beginning to hibernate. How these kindergarten students would like to join them. With their big yawns and cute pajama's they learn all about the letter "P", don't be puzzled when you meet them maybe yawn along with them. Prepaid cards provide alternative to cash or checks Jason Alderman Tens of millions of Americans don't have access ac-cess to checking accounts or credit cards, which can make it difficult for them to cash their payroll or government-provided benefit checks, pay bills, withdraw cash and shop online or by phone. It also ' forces many to carry large amounts of cash and to utilize uti-lize extremely expensive check-cashing services. . An increasingly popular popu-lar alternative known as prepaid cards has helped fill this void. Prepaid cards look and work much like debit cards, except that instead of drawing money from a checking or savings sav-ings account balance, they are funded by money deposited de-posited into an account by cash, check, funds transfer trans-fer or direct deposit by an employer or government entity. Prepaid cards share many of the attributes and . advantages of debit cards, including: They're safer to carry than large amounts of Organic Food Storage Sprouting Kit 1 6 Lbs of Assorted Sprouting Seeds 123 05 Sprouters & Instructions fl Add living healthy food SALE $109.95 to your food storage! We also cam a full line of bulk grains, seeds and other sprouting supplies: Mason Jars, Grain Grinders, GardenSeeds, Hard Red Wheat Barley, Rice, Beans Lentils, Spelt, Kamut, Amaranth, Triticale, Buckwheat & More. i ? ' t r ft cash If branded with a logo like Visa, they can be used anywhere that brand is accepted ac-cepted Spending is limited to the amount in the account, helping keep debt in check Many can be used to withdraw cash from ATMs or to make online or phone purchases Many are covered by Zero Liability protection if lost or stolen Among the more common com-mon types of prepaid cards are: Reloadable cards - to which more money can later be added Gift cards - which can be used until their balance is depleted; gift cards are not reloadable Teen cards - where parents par-ents can reload the cards and monitor purchases online on-line or by phone (allowing teens a chance to manage spending and budgeting in a controlled environment) Travel cards - which offer a safe alternative to cash and travelers checks Payroll cards - where Hard White Wheat 35 Lb. Bucket $25.95 50 Lb. Bag-$23.95 Ideal for food storage & grinding into flour! v.Jiaan, i ""' " Aiilm II iwIwiwl 4 ";'"'jfl .- I your pay is loaded into the card's account for immediate im-mediate access (similar to checking account direct deposit) Government agency-provided agency-provided cards - where benefits such as Social Se curity, unemployment and child support payments are loaded into your card account Flexible Spending Account Ac-count (FSA) cards - where your eligible expenses are deducted from your FSA account balance at the point of service, eliminating eliminat-ing the need to pay cash up front and submit reimbursement reim-bursement forms Certain fees and restrictions restric-tions may apply, so it's important im-portant to read the card's terms and conditions carefully. care-fully. Here are a few questions ques-tions you may want to ask when comparing cards: What identification do I need to obtain this card? Where can I use it? (Certain retailers only? Online? On-line? Phone?) Can I add funds to it later? If so, how? Is there an expiration date? Will I receive monthly statements and is there a charge? Can I check balances by phone or online? What, if any, fees are charged to activate the card, add funds, check balances, bal-ances, make ATM or bank withdrawals, for monthly service or for not using the card regularly? Mow depot NEW DRY CLEANERS & LAUNDRY 1851 W. 500 South, Springville Just North of Wal-Mart parking lot ' Open 7 a.m. to 7 p.m. M-F Saturday 9 a.m. to 3 p.m. Closed Sundays Orders in by 9 a.m. out after 5 p.m. . Drive-up window -rr-..- 4 i liMjH .'iL. Snakes and turtles and owls took a visit to the third-grade classes of Art City Elementary. This outreach program allowed some squeamish and excited eight-year-olds to learn about the animals found around our state up close and personal - x - r V ; r - iv... - I , . 1 fc.-.- . i Ohfc- ' g., -j, . During the first week of November, Mrs. Masters, Mr. Graves and Mrs. Brown escorted 91 AMerican Leadership Academy seventh grade CTE Intro students to Thanksgiving Point Auriana Pendleton was especially fond of the strawberry DNA. "We mixed together shampoo, meat tenderizer, rubbing alcohol and other stuff that helped us see the DNA. The DNA was actually kind of gooey and gross looking." Weak batteries can be a drain Since Jan. 1, AAA Utah reports that 19.6 percent of all AAA member road service ser-vice calls in 1008 have been battery-related. "Despite warranties that claim an expected battery life of four, five or six years, most vehicle batteries bat-teries will fail after three and a half years, or even sooner," said AAA Utah spokesperson Rolayne. Fairclough. "Luckily, it's possible to keep tabs on your battery's charge by requesting a quick check every time your car is inspected." in-spected." AAA offers these tips for getting the most out of your auto battery and , knowing when to replace it: - Before replacing a bat- What happens if it's lost or stolen? It's important to remember remem-ber that you need to manage man-age prepaid cards just as you would cash in the bank, by avoiding spending what you can't afford. To learn more about prepaid cards, check out the brochure prepared pre-pared by Practical Money Skills for Life, Visa Inc.'s free personal financial management site (www. practicalmoneyskills.com prepaidcards). For those people who don't have access to a traditional tra-ditional bank account, prepaid pre-paid cards can be a helpful financial management tool, when used properly. Jason Alderman directs Visa's financial education programs. Sign up for his free monthly e-Newsletter at www.practicalmoney-skills.comnewsletter. www.practicalmoney-skills.comnewsletter. Open! ieaninp-, tery, have the battery, electrical elec-trical and vehicle-charging system checked for problems. prob-lems. ; - Slow or long engine cranking are signs of a weak battery. - Dim headlights or illumination il-lumination of the battery charging system warning light on the cash may indicate in-dicate a char ging sy stem -problem. . - Keeping the battery ' case clean by wiping it down with a moist paper towel and mild detergent will help reduce any current cur-rent drain caused by dirt or grime. - Corrosion around the terminal connections and battery hold down can be cleaned with a small stiff brush and a solution of baking soda and water. Rinse the battery with water, wa-ter, but be careful of staining stain-ing floors or driveways. -If the battery has re-, re-, movable vent caps, check the electrolyte fluid level. It should be above the tops of the plates inside the battery. bat-tery. If fluid is needed, add distilled water, but do not overfill. - Battery terminal connections con-nections should be tight. Adjust loose fittings or replace fittings that have cracked. J , H C IIHI?! Hi) OUR SERVICES INCLUDE: Hearing Evaluation for ALL ages Dizziness and Balance Evaluations (ENG) Ringing in Ear Counseling Sales & Proper Fitting of Hearing Aids of All Types . '. Hearing Aid Adjustments . Hearing Aid Cleaning Hearing Aid Repairs Ii 5. Prmo Location m?- " (ollwtiw Square Suite ' 22.MIN. t nivtmlv frkj From now through Dec. 31, AAA members can receive re-ceive a free 36-point visual inspection and detailed inspection report at participating par-ticipating Approved Auto Repair facilities. To find a participating repair facility, facil-ity, call (800) 6454288, ext. 4, or visit www.aaa.com freeinspection. If your battery does give out, AAA may be abJefro save you a trip to the garage. ga-rage. Mobile AAA Battery Service uses state-of-the-art equipment to diagnose the battery's condition, and our technician can either ei-ther charge your battery or install a new one on the spot. Batteries installed by AAA Battery Service are high quality, priced at a discount for members and come with a three-year replacement re-placement warranty. Visit www.aaa.combattery for more information. ; v Apart from timely preventative pre-ventative maintenance, another an-other way to save yourself car-related time and trouble trou-ble is to skip long lines at the DM V and renew your vehicle registration at a nearby AAA office. Locate AAA offices near you that offer DMV services by visiting vis-iting www.aaa.comdmv. i) UluE P JD L FAMILY AUDIOLOGY UCADIMfi CCDWirCC Payson Location .W Pnfts4l v. Suite I 881-465-W05 1 J. |