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Show IS Toot'll Transcript, Thursday, OcIoIht 2!), 19S1 Final Deadline Set For Miss Utah USA Iugcant officials announced Wednesday, November 4 as the final applications to the UW2 Miss Utah USA Pageant, to lie staged in Salt lake City. The three Novemlter 21 at Self Perscept ions day event will where a workshop on hair, make op, fashions, and self esteem will be discussed. January 5 the girls will Ihs judged on personality through personal interviews with each judge. January 16 the girls will lie featured in a fashion show and swim suit judging to commence at 12;30 in the Assembly Hall of the Salt Palace, and the evening pageant will liegin at 7;.10 p m. where each entrant will lie judged on evening gown, personality, and swim suit. The Miss Utah-USpageant is an official prelimins Universe contest. Applicants Miss the to ary must lie lietwen 17 and 25 years of age, never married, and at least si mouths resident of Utah, thus college students are eligible. All girls intrested in competing for the title must submit their name, address and phone to Miss Utah-USPageant Headquarters, 3732 N. WW E., Provo, Utah 84604 by Novenilier 4. n M3 erso USA-Mis- (MiBnEG Wendove o f IN JD OGDEN, call: Charlen 773-672- Songer 1 Those who are incapable of committing great crimes do not easily suspect others. - Rochefoucauld Gel Back To Basics In Your Budget Battle How are you coping this year with inflation and income and family budget management? Most family money managers have at least a vague notion of the family's regular fixed espouses: so much for rent or house payments, car payment, installment credit, insurance, etc. What happens to the rest of the money may be a mystery - it just goes. In inflationary times, with the cost of everything constantly on the rise, that sort of muddling along just isn't good enough. Unless you make a point of (raying yourself first, it tends to leave nothing for saving and investing. And it gives you no guidelines for cutting down your expenses. If you have the uneasy feeling that you don't know where your money is going, it's time to get Itack to I attics, Tin key word is bud gct. Begin by sitting down and listing your major fixed Then look expenses. through your checkliook or tales receipts for a couple of miaiths to find out what spending for you've adjustable expenses like food, utilities, clothing, home furnishings and entertainment. Finding out where your money has been going is like finding the X on the map that says You are HERE." Once you know where you are, you can determine how to get where you want to Ite. If your income hasn't lieen keeping up with rising costs, knowing what you've been spending in the flexible categories gives vou a place to start cutting In-e- n higher interest than com mercial banks. How interest is compounded varies, and it may be paid quarterchandise isn't back.) ly, twice a year, once a tionary spending Interenough, hark at your fixed Savings ought to lie one year or at maturity. if be est can exmonthly of fixed paid These more are expenses. your regular, difficult to work with, but penses. But for many fami- you deposit $5,000 or some changes are possible. lies, savings is what's left at more. You might lie able to raise the end of the month. With Withdrawing your monthe deductible on your car everything costing more, ey lefore maturity bears a or home owner's insurance there's often nothing left penalty: you lose six months interest. to reduce the premium. If over to save. money market Families saving the way total family income has reavailthey've always saved in a certificates are also cently taken a cut, the a but -able, home account require the they paxdxiok savings bringing deposit of paycheckfs) could look into are finding themselves los- minimum decreasing the amount ing ground. The interest $10,000. Several persons withheld for state and fed- earned on a passbook ac- can pool their funds to buy eral income taxes. This count isn't making up for one of these certificates, makes a little more money the loss in purchasing however. The interest rate changes available now, when you power their dollars are sufneed it, rather than next fering. every Thursday. When this True, its convenient to rate drops below 0 percent, year at tax refund time. If credit commitments are have some money stashed savings and loans can pay W percent higher interest putting the squeeze on you, where you can retrieve it talk to your creditors almut on short notice. For ease of than commercial banks. Above that, the interest and accessibia longer period of time. In the account they pay is the same. passlwok lity, is hard to beat. Compared Interest on to some other ways of sav- certificates is not coming and investing your pounded, but it can be paid money, however, it's a loser monthly. Many institutions offer investors the option of in more ways than one. With conventional sav- having the interest placed ings accounts any interest in their passbook accounts, you earn is current taxable where it can earn additionincome. You're taxed on al interest, thus raising the the money when you earn total return on the investit and taxed on what it ment. The penalty for early earns you; and all the while, the dollars are get- withdrawal is loss of three ting smaller and smaller. months interest and if the But because you're earning interest which you have earned is not equal to three more of them, you're moving into higher tax brackets months interest the rewhere taxes take a bigger mainder is taken from the bite. principal. Both these saving So fight back! Look into certificates are insured by your savings options and the federal government. Money market funds are put your money to work. on handled by investment The interest (2 'A year) small firms. The minimum deposaver certificates changes sit is usually $1,000, though every two weeks, but you it varies from one fund to stay with the rate prevail- another. Interest rates flucing at the time you deposit tuate and are figured daily. your money. That is, if you Money can be withdrawn deposit $500 on Aug. 10, at any time without penwhen the rate is 8.8 per- alty. The funds are not govcent, youll earn 8.8 percent for the entire 30 ernment- insured but are months your money is on considered low-- risk investments. The reserve requiredeposit. ments established by the All financial institutions Federal Reserve have been can offer these certificates, dropped to 7.5 percent but not all of them do. from the original 15 perMinimum deposits vary cent. But check to see if the fund you're considering from one institution to another. Credit unions and is a first generation or a clone fund. Clone funds savings and loan institutions can offer V percent have been paying less. down. It makes it possible to set spending goals and work to achieve them. If cutting track on discre- must cases, they'd tie glad to work something out with you. (They'd rather have your money than their mer- - per-soii(- th th Bard Beats Rhythmic Remelda Nielsen Cibson Edited by On All Saints Eve Eric Price When skeletons come g. They receive a friendly greeting In the homes on Halloween. . Grotesque masks and freakish features On the oddly costumed creatures Make the happiest look mean. With paper bags and pillow cases. Hags and crones with ugly faces, Knock upon the kitchen door. Goblins, gnomes and ghosts in sheeting, Join the witches at the meeting Anew Of the Spook and Spirit corps. Hurrah For ;od cooMzng a pleasunne efficient gas ranges have features like electronic ignition for instant on, and automatic convection ovens, for easier, faster cooking. And todays gas ranges use less energy than ever before, for even greater economy. That means youll save more energy, and money. Visit your gas appliance dealer today and check out a new energy efficient gas range. Youll see why for cooking, natural gas is the unbeatable energy system. y What a festive time of year, The air is crisp and clean. Masks and costumes in the stores Tell you its Halloween. Time for caramel apples And buying Todays good cooks have it better than ever. New energy Halloween-Kath- trick or treats For soon, many ghosts and goblins At your door, youll greet. Pumpkin contests here and there, Maybe one youll win-T- um your prize into a pie And watch the family grim. Classroom parties and parades Thrill the kids so much. And dont forget spook alleys With their screams and slimy touch! In many front room windows can be seen With skeletons, cats and witches, Hurrah. MOUNTAIN FUEL . . Its Halloween! Darlings In Disguise When some one opens up the door On haunting Halloween, Sprites, witches, goblins, elves and ghosts Are expected to be seen. When spirits haunt, can any one Be expected to have known little darling in disguise A As an ugly snag-tooth- crone? Wiley Strieby |