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Show teriorating even further. JOKCT YOU AND YOUR The alternative is continuing losses for insurance companies. For policyholders, this would mean increasing difficulty in purchasing insurance coverages on their homes, automobiles and other property. AUTO AND HOME INSURANCE MAY BECOME HARD TO GET It seems incredible, but serves to pay claims, insurers mates that the property and one day soon you may have a real problem trying to buy insurance on your car or your home. And hundreds of thousands, possibly millions, of Americans could be in the same boat. have had to raid Why? Because insurance companies, which have weath ered the worst of natural disasters, today are being battered by a devastating catastrophe of a different e catas- type: the trophe ot inflation. How does inflation affect insurance? Well, the central premise of insurance that future claims will be paid out of premiums based on past losses assumes a relatively stable dollar over a period of years. But when man-mad- j j j You can reduce the cost of your policy by increasing your deductible. For example, if the deductible on a homeowners policy is increased from $100 to $250, the premium will be reduced by about 10 per cent. 7 boosts the cost of paying claims beyond the point where the premiums collected are sufficient to pay them, insurers are forced to dig into their surplus to meet the deficit. That is what has been happening. Premium rates have not kept pace with the spiral ing costs of such things as treating accident victims, repairing damaged cars and restoring property. In order to build up re r ...... 0r0C y WW"' i UNWELCOME "Soup's Always On" JOHANNA'S COUNTRY KITCHEN 9725 So. State i Cooking is "Our Thing." Can't Be Beat. ! We'd crazvl & Courteous Waitresses to wait on you TBut STOP IN FOR A VALENTINES? Hours: Mon-Fr- Sat. 5 a.m. i. 5 a.m. 2:00 p.m. to , j WANT MITE HELP granted the interim rate $16,072,000 annually. The the company's application ; ' interim order is an increase of 10.7 percent effective Feb. 1. In the company's applica across-the-boar- d : Flexible Hours Feb. 20. The commission granted the interim increase under a provision of Utah law that Full Or Part Time Apply in person Weekdays FRUIT & 2-- p.m. 5 ORNAMENTAL TREES Grapes, Nuts, Berries, Shrubs and Roses Order Now For Spring Delivery What you ruw is nn honor than ivmi you )uf S(ar( with (he host from Stark Brothor Nurseries I mt.fJA pUlji Phone jmj varieties 255-11- 19 - (or catalog of over way guarantee. SANDY j 8732 S. MIDVALE 750 E. tenter St. State 1 nWiDMRiy VjL Of UfoMm j grow. When pruning don't cut back main branches. Thin out side branches and cut them back to laterals or smaller side branches where needed. Don't leave stubs or cut branches all the same length. Trees seldom get too tall. Topping is not necessary unless trees are planted too close together. If trees are planted too close some of them should be removed. Shade trees are beautiful, when allowed to grow strong and natural. Lovey To Have You Stop By. Intelliaent tion it asked tor an annual increase in revenue of $28,-- ; 463,000 from Utah customers which represents an increase of about 19 percent for all classes of service. The commission is expected company an increase of toannounce a final decision on j horticulturist Trees properly pruned grow stronger because weak branches are removed and main branches are allowed to Johanna's Country Kitchen l i The Utah Public Service Commission completed the revenue phase of hearings on a Utah Power & Light Company rate increase application late last Thursday and improper pruning. Chain saws make the pruning job easier but people get carried away with them. Shade trees should be protected from "tree butchers" whether yourself or someone hired to do the job, warns Robert Hassell, U.S.U. i ! for $16 million hike Each spring many shade trees are badly damaged by For A "SmalF'Cozy Place To Eat . . . i ! don't butcher, expert says At Home-Styl- e HITCHHIKE K Prune but Homemade Where The Insurance Information Institute noted that policyholders still have one potent weapon to protect themselves against increasing insurance prices. The weapon is the deductible. The deductible means that when there is an insured loss, the policyholder pays the deductible amount and the insurance company pays the rest of the loss up to the limits of the policy. ! inflation skyrocketing casualty insurance business lost more than $4 billion on its underwriting operations in 1975. Simply put: the business spent some $4 billion more to pay claims and for the ordinary costs of doing business than it collected in premiums. Only prompt and substantial rate relief can prevent the situation from de- - surpluses-surplu- ses already reduced by setbacks in the securities market. Since the size of a company's surplus determines how much insurance it can write, insurance becomes harder to get as surplus shrinks. Insurers are operating at record losses. The Insurance Information Institute esti UP&L wins approval provides that the commission The Jordan Guide Page 3 may, by temporary order, Midvale, Utah allow any amount that has been fully justified up to 70 Thursday, February 5, 1976 percent of the total requested increase to become effective mounts to 56.5 percent of the initial request pending the final decision. The interim increase granted UP&L Thursday a- - USE THE WANT ADS 8 p.m. Sun. a.m. till noon 7 n I M HOTTEST BUYS IN TOWN!! Mcl)oilr(lVs nn yv MA iinnnmx 6 CitchenAid Convertable Vtjzm? 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