OCR Text |
Show mnariMHwi'm'ii' ' n'lii"1"'' Times Newspaper Wednesday, May 23, 2001 Page 14 Building Youth Institute completes three new homes High school students in the Alpine, Al-pine, Neho, and Frovo school districts dis-tricts have combined efforts to build three new homes in Utah Valley during the 2000-2001. school year. Building Youth Institute BYI) is the program which gives area high school students hands-on experience in the actual construction construc-tion of a home. The program is sponsored by the Utah Valley Homebuilders Association, Mountainland Applied Technology Technol-ogy Center, and the school districts. dis-tricts. The Building Youth Institute recently held its annual home Financing Your Children's College Education Few would argue with the value of a college education. Our economy increasingly favors college col-lege graduates for the best jobs. Technological change at an accelerated accel-erated pace is requiring more knowledgeable and skilled workforce than ever before. Meeting college costs is a major concern of most parents. Beginning Begin-ning to accumulate capital while children are still young generates funds over an extended period with less stress on family budget from year to year. Some external resources are available to help. These include scholarships, grants, loans and work-study programs. For many young people, their parents' contribution is usually the most significant element in paying college costs. Here are Mime tip on preparing for this major expenditure Work methodically through a planning process that evaluates your financial situation in detail. What are the family's assets, in-rome. in-rome. living expenses, debts, futon- need-., projects on future liabilities li-abilities including college costs. I low in am children will need to jo lo i-nllege'' I low close are they II .11' ' I li e- t he faniil v have life msur-'i. msur-'i. i- 'ii provide lor income m the i i n1 "I t he ile.it h of a bread win- Here are the key components of a thorough family financial analysis: analy-sis: a Details of existing financial status. b. Ail financial goals and objectives. objec-tives. c. Summary of education funding fund-ing goals, how much money will the family need and how soon. d. Data on number of children, their ages, expected dates of college col-lege attendance, amount of resources re-sources now allocated for educational educa-tional cost. When completed, your plan should point to additional resources re-sources that parents will need to fund education costs. Options include regular savings or purchase of stocks or other securities se-curities for long-term growth. A permanent life insurance policy may also be part of that plan. Life insurance provides tax-deferred growth of a cash value that, can be drawn upon in the form of lower-cost loans. Life insurance also provides an immediate and income-tax-free benefit payable upon the death of the insured, helping to assure available funds for education costs in the event of the death of a family fam-ily wage earner. From David Rail, district manager man-ager for Intermountain Financial (Iroup MassMutua! in Orem. He can be reached at 801-437-0828. show, which showcases the newly-constructed newly-constructed houses. This year, the homes are located in Provo (central (cen-tral site), Payson (south site), and American Fork (north site). Students working on construction construc-tion of the homes receive school credit for their work. They participate par-ticipate in all phases of building construction, including safety and tool use, construction materials, site lay-out, footings and foundation, founda-tion, basic design and blueprint reading, framing, roofing, concrete, con-crete, and interior finish. Instructors included Kris Johnson and Floyd Charles, north site; Bret Goodwin and Casey Hreinson, central site; and Ric Thompson, south site. The students work under the direction of a licensed contractor and contractor-members of the Utah Valley Home Builders Association. Asso-ciation. Once construction is complete, com-plete, each house is sold, with its proceeds funding the following year's homes. Jim Hawthorne of Aspen Real Estate has been involved in-volved with the program from its inception, marketing the homes. Under the direction of advisor Linda Jackson, Orem High School students Amanda Ashby and Letitia Oberhansley made the interior in-terior design selections for the American Fork home, which has been sold to Michale and Cherie Smith. VIPs attending the American Fork open house May 15th included in-cluded Clay Christensen, BYI board member representing Alpine Al-pine School District; Kevin Bardsley, committee chairman of BYI; Carl Shepherd, director of high school programs for Mountainlands Applied Technology Technol-ogy Center; Fred Keetch of the MATC; Chris Tambasco, president presi-dent of the Utah Valley Home Builders Association; Deanne Huish of UVHBA; and Michael Parry, chairman of the board of directors for BYI and a UVHBA member. . . If - v '"h - . I Orem High School student Amanda Ashby (left) made the interior design selections for an American Fork home built by area high school students and sold to Michale and Cherie Smith and their four children, (left to right) Whitney, Jessica, Ashlee, and Nathan. Traffic crashes are the number one cause of death and injury for children after the first year of life. Most of these deaths can be attributed at-tributed to improperly installed car seats and here in Utah County, there is a 98 misuse. Although today, more parents and caregivers than ;ver before secure their kids in child safety seats, too many parents still do not use the full range of child safety seats. Among children, those between the ages of 4 and 8 die in traffic crashes at the highest rate. The reason for this is that they are not being restrained in a booster seat. Why do parents and caregivers stop using child safety seats too early? One explanation is that parents look to state child restraint re-straint laws for guidance. The truth is that many laws have gaps and thus do not provide the fullest full-est safety benefit to children. Seatbelts are designed for adults. On a small child, the seatbelt can cut across the stomach stom-ach and neck in a crash, causing serious or even fatal injuries. To make sure parents and caregivers are protecting their kids to the best of their ability, these four steps have been outlined. 1. Use rear-facing child seats for children from birth to at least 20 prunds and at least one year of age. 2. Use forward-facing child seats for children over 20 pounds and at least one year old to about 40 pounds and about age four. 3. Use belt-positioning booster seats for children from about 40 pounds to about 80 pounds and 4'9". 4. Use lap and shoulder belts for older children large enough for the belt to fit correctly: at least 4'9" tall and about 80 pounds. It is vital that kids are kept safe at every stage. To ensure that the car or booster seat is properly installed, in-stalled, it is important that a certified cer-tified child passenger safety technician tech-nician inspect it. These technicians techni-cians are certified through the National Highway Traffic Safety Administration. There are many here in Utah County and their goal is to lower the 98 misuse rate that exists in this county. Together, parents, caregivers, and these technicians can and should work hand in hand to help eliminate the leading cause of death for children. We want the scoop y on what s y happening In Orem Call in News Tips: 225-1340 rem-Geneva Times Orem's Weekly Newspaper Since 1930 o) yrvey We Want To Know What You Think! For the past several weeks, Orem-Geneva Times has included American Profile in our paper. Aiiicriran Profile is a magazine that celebrates hometown life throughout our region. He -e is a short survey designed to let us know what you think about American Profile. Please take a few minutes to answer the questions and then mail your survey to: Orem-Geneva Times 538 South State Street' Orem, UT 84058 YOU COULD WIN! Send in your survey by the entry deadline and you'll be eligible to win Some restrictions apply Deadline is May 29. 2001. Only one entry per person. Must be 18 or older to enter. No purchase necessary. c i Orem-Geneva Times Reader Orem's Weekly Newspaper Since 1930 Name Survey Address Phone (. 1 . Have you read any issues of American Profile? Yes No 2. Do you find any of the information interesting andor helpful? Yes No 3. Which sections do you enjoy the most? Hometown Spotlight Health Cover Story Food Hometown Heroes Family Ask American Profile Tidbits Happenings 4. Would you like American Profile to continue to be in your newspaper? Yes No 5. Comments (POOR C |