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Show K6 ii ’ ° S; 7 > ¢ K a\ IN? ad Cubberle Ca Yucaipa, aves money by Except for els and heets, | alwavs id wash \ustell, Ga.: use wash cvcle short. m the normal 1 ninutes tono more ‘These small fa Eileen Ciance, of Wilton, N.Y., another savings bond win ner, found she could do without calling in an order for pizza ev- from the people from the Consumer Federa tion and from me: An THE SAVINGSGAME extra dollar here and quarter there, over ilue Series BE U.S vings can do without HUMBERTO : CRUZ netted her 1 $50 ings. Not only does this tle saving ideas don't amount to much, take it ervin bond (which is time, can add up to substantial worth But saving‘‘does involve some small sacrifices and/or allow them to see how is well.” If you think these lit es over time VOU! eI BUSINESS give them half the sav you save, it allows them to make money to save i I nbume more careful attention to one’s spending,” Brobeck said “Almost anyone who makes up a list of their weekly expendi tures can find something they daughter clip them for you and | rinse, eds ant she said bber “I purchase the money back by clipping cou ponsfrom it. Don't like to clip coupons? Then have your son or id. She also cuts ‘ JURE avings ery Friday night She saves $8 a week, or $416 4 year, by making her own pizza with bread dough, bottled pizza sauce andherfa vorite toppings. What if you don't make pizza or are having trouble finding where to cut back? Then automate the process as muchas possible, financial planners rec $25 at the time it sued), The savings bond a prize given to And thisis the point | want to emphasize in today’s ommend people whose column do so automatically, eitherat savings tips are in Saver, ter ery income group,” said account. “If you don’t see it, you It really Stephen Brobeck, executive di rector of the consumerfedera tion ‘A large majority of even Finch, of low-income families can save.” don’t miss it,”” Brobeck said of the money you contribute, I have seen it happen: Somehow, your expenditures adjust to quarterly newslet nother Winning tip 1 Kathy Lusher, of Slide] Every time [ get any type ot | I put il } or part of saVIN ds yond. it to up fast id one from Dana save some, and build your nest egg over time. uner Federation of America ere make a lot of money to be able to no} LAKe@ { ASSOCIATED PRES a rander at your re an artlesslist of basic data One ob-hunt firm sugvests homes.” These savings ideas for low- and moderate-income families are an integral part of “America Saves,” a grassroots federation the $50 U.S, savings bond. If you think you have a winning idea I bet manyreaders of this column do sendit to American Saver, c/o Consumer Federation of America Foundation, P.O. Box 12099, Washington, D.C. 20005-0999, or e-mail it to http://information@ americasaves.org. To becomea recognized ‘American Saver” — see more details at http://www.america saves.org —all you haveto do project supported by the Ford is agree to work toward asav- Foundation and others. The preject began in Clevelandin 2001 and has since ex- ings goal ofas little as $10 a month. Aspartof the campaign, the Humberto Cruz can be reached at AskHumberto aaol.com orc/o Tribune Media Services, 435 N. Michigan Ave., Suite 1500, Chicago,Ill. 60611. Y ee ADVANTA Investment Notes enna 5 YEAR ¢ Minimuminvestment $5,000 2005 i ¢ Terms from 3 monthsto 5 years i ¢ Interest compoundeddaily can , be paid monthly, quarterly, semiannually, annually or at maturity V-8, Auto, Tow Group, ona suceinct recitation ou could help uity in your home. ‘Most people don’t understand their mortgage payment is a savings method,” Brobeck said. ‘For many moderate- and low-incomepeople, their largest asset is the equityin their contributetips and try to win simple interest rate 7.70° ting it ina differen tformat Va payment youare building up eq federation publishes the quarterly American Saver newsletter. People from all areas can pandedto other areas, including Kansas City, Indianapolis, Charlotte, N.C., and Gadsden County in Florida. Groups in Northern Wisconsin, Milwaukee,Philadelphia, Phoenix andSeattle are also organizing campaigns. “Thegoal of the campaignis to convince all Americans that they can build wealth (at least a six-figure nest egg) and to assist themin doing so,” Brobeck said. A Making résumés competency-based lik match your take-home pay Here's anotherway to save. If you own a home, everytime you makethe monthly mortgage “The easiest way tosave is to he research on this topic is very Clear that there are ‘savers and there are ‘spenders’ in ev Ameri not-for-profit Con byt you don't have to work or through home ownership,” Brobeck said. \t work, you can have a portion of your paycheck automatically deposited into an employer-sponsored retirement hosen for publication in Sunday, September 14, 2003 ittle here and there helps to build up the nest egg Sunday newspaper and get the ising hot water hen needed in » machine ly wa her wa Mul Lots More a poten eric Visit Us AT: Parkside Tower 215 South State Street; Suite 100B Salt Lake City, UT 84130 ployer rather than where ou went to school dates ng and job openings,” For a Prospectus & Free Information, Call... said e Hawley Stevens, a manag Boston-based partner tot $9, 393 $24,835 only that, they are more visually : Phone Systems for Business 485-1 107 ro e ie 1-800-259-5862 $34,230 ClearRock, an executive and career-development firm. 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