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Show _The Salt Lake Tribune TIME, MONEY & COMPUTERS Monday, June 12, 1995 B3 Some Unwanted Trees Crop Upin Spring There is a striking difference between a living room and a back yard. And I don’t mean merely room. Sometimes, as during the summer, however, you find phlox and snapdragons and feathery ferns popping up all overthe place, rav- that you don't have to mow the carpet or vacuum the grass Peoplepurchase furniture for a living room and frequently rearrange it. But sometimes a back yard producesits own new furniture without your permission And it is constantly rearranging to be. But things like that happen ina yard. And youhave to pay attention. Once you get a vard established and the bark and leaves and needles on the ground decayand cre- ate a nurturing bedto the liking of seedlings, you must be careful which weeds you pull. Some of them maynot be weeds. Dogwoods, for instance. Every year, our trees have kids — cou- ple of little dogwoodsleaping out of fertile soil. We havelet several go. The first, from about eight years ago, is taller than me and blossoms every spring. We give mostof the rest away. Andit is a pleasure to spread little dogwoods among your friends, to have woody grandkids, so to speak, living with people youlike But sometimes this volunteer yard furnitureis more tricky than that. Most people have a cheap streak that makesit hard to find a tree growing happily in their yard and not accept the gift. But bewareof free trees because there are limits on how much of a good thing you can stand For instance, there are current- Those of us who get too far be- hind processing the paperwork are usually hit by late fees and other penalties. Nationally known professional organizer Stephanie Winston has suggestions on how to makeit easier @ Keep tinpaid bills along with ‘Financinghome offering to become part of our backyard furniture. But it isn’t just the squirrels. If a squirrel doesn't plant an acorn, it will plant itself. I find acorns in the spring, resting on thesoil, with a long, obscenepointy thing reaching outthe top, kinking over and stabbing toward the ground where, upon penetration, it will begin growing feet — metaphorically, one of the strangest devices knownto Nature. Since it would take less than a dozen mature oaks to fill our yard, and we already have four growing there, the 100 free trees are, to us, something other than trees. Trees in that circumstance are called weeds, So are the dozen or so walnut trees the squirrels plant each year. So are the maplesthat the wind harvests from a neighbor’s yard and plantsin oursoil. So are those deep-rootedlittle SOBs the mulberry bushes (plant vermin) that come up here and there. But you haveto pay attention. Sometimes youfind a prolifera- tion of furniture you like — 20 new dogwoodcouches. Sometimes you find mulberries — as welcome as finding half a dozen ratty, germy, old, wino- the family banker. your proud chest. You walk out one morning and there is a dogwood 3 inches high, glistening with spring dewand saying byits very presence that you and your work have madeit feel welcome. There are few compliments in life any better than that. This person re: remodeling and maybe available even if you havelittle or no equity. CREDIT LINES Worklike a credit card: You Set up a Credit line, then Usually have to be usedfor specific improvements Monthly p: S withdraw funds as needed. Monthly paymentis based on a percentage of average outstanding balance; interest interest rates and term are fixed rate floats; usually issuedfor five to 15 years. LOANS For more information: Call your local bank or the FHA's inquiry line Monthly payments, interest rate arefixed; termis usually five to 10 years. wa ea SOURCE: Better Homes and Gardens; research by PAT CARR LePYty (800) 733-4663 Next week: In-home carefor the elderly make sure it’s accurate. Three Catalogs Save You Time and Money GANNETT NEWSSERVICE Here are three cheaply priced catalogs that may save you time up in the air and on the ground @ Fly Rights: A Consumer Guideto Air Travel. 1s an overview of a passenger’s rights 4 obligations. Therearetips onair safety, fares, baggage, WEARE PLEASED TO ANNOUNCE THAT delayed andcanceledflights. Also ineluded is advice for passengers with disabilities. (Consumer Informa- DONALD L. BRAEGGER tion Center, Dept. 133B. Pueblo Colo, 81009; $1.75) The Fender Bender Guide. Is Now Associated With Us As There is a definite protocol to be practiced when a motorist is involved in a minor car accident? This guide, whichfits snugly into a glove compartment, features a checklist of items that must be taken care of at the scene. (Amer- ontime! After the bills are paid, file the stubs and bank statements into an expandingfile folderorganized by month. After a yearis up, transfer bills and receipts for items such as appliances to a household file that will be kept. @ Put credit-card slips into envelopeswith the nameof your different credit cards. When you receive your bill, check the receipts against the items on your bill to will be responsible for depositing checksin the bill-paying account and then payingthebills. @ Set a regular monthly date to paybills and balance the checkbook. To keep the money working for you as long as possible, pay onlythosebills near due. But, pay Based on increased remodeling purpose andto restructure existing debt medals for the conscientious gar- dener. Once you have created a soil and an environment and a micro-climate with your own sweat, Mother Nature pins a reward on Bill Hall is the editorial-page editor of the Lewiston (Idaho) Tribune, a Salt Lake Tribune group newspaper. stamps, envelopes and a calculé tor in a file or basket. To distinguish this file from others, make sure it’s the color of money — green. @ Select one person to serve as loans which use your homeascollateral Can be used for any plant boneyardon ourlower lot Of course, couchesalso die, especially if you have large sons who cometo visit and playfully roughhouse with each other all overtheliving room. But couches don’t appear out of thin air like a surprise flower or a free tree. Couches don't volunteer. The squirrels never plant couches. And evenif they did, a couch is just a couch. Sometimesthe trees and the ferns and other dazzlers are more than the equivalent of a new piece of furniture popping up in your living room. They are morelike a priceless antique designed by a master craftsman that suddenly appearsin your life. They are also good conduct renal Home | Awidearray of options are available for | financing home remodeling. Here are some. Enable youto borrow against a portion of equity. me to pull it up and moveit to the ly, thanksin part to the squirrels, at least a hundred babyoak trees i improvements Home-equity lines of credit and loans ishing strangers moving in with Tips for Making Short Work of Paying Bills GAND ‘TT NEWS SERVICE The process ofpaying billsis, in effect, a second job. As soon as we come homefrom a hard day’s labor at the office, we find the mailbox packed with bills for car insurance, college tuition, credit cards, rent, cable, ete. ESUSNC fea Be es you and redecorating yourlife And sometimesa tree departs. Sometimes a bush rearranges the furniture by croaking andforcing itself. The crucial difference is that furniture doesn’t have children Trees and shrubs and flowers do, the naughty things. You don't walk into the living room one morning and see tiny little couch in the corner where nothing used TRATEGIES slobbered chairs in your living BILL HALL iton Co., 3361 S. 4800 West, West Valley, Utah 84120; $2.85. BSurviving Freshman Year. This month-to-month guide orga- A PERSONAL INVESTMENT OFFICER ZIONS INVESTMENTSECURITIES, INC. nizesthefirst yearof college life There are many helpful hints on classes, studying, grades and social activities. (Energeia Publishing Inc., Box 985, Salem, Ore Keep slips if they are needed for tax purposes. 870 N. Hwy 91, North Salt Lake, Utah 84117 © 524 97308; $2.50) pean SHAKESPEAREAN FESTIVAL Participants in the Utah Summer School for the Arts can immerse themselves in the excitement and grandeur of the Utah Shakespearean Festival, presenting six plays in repertory this summer: HenryVIIL, Participants in the Utth Summer School for the Arts will have the opportunity to attend the 11th annual summer concert season of the world-renowned American Folk Ballet, headquartered at SUU. From The Tempest, Othello,A Funt 1y Thing Happenedonthe Way to the Forum, Much Ado About Nothing, and You Can't TakeIt With You. Also,a nightly July 13-22, the company will present The Texas Breed evenings along with matinces of AnAfternoon with the American Folk Ballet, featuring excerpts of the —— Greenshowandother corollary vents, including the Royal Feaste, Phone586- company’s repertoire. The company will SUMMER 1995 AT SOUTHERN UTAH UNIVERSITY 7878 for more information also interact with USSA dance students. Phone 586-7872 for ticket information Guest Faculty include Hama Dance orcas Adams Dance [ T ~~ Dav Lee Creative Writing David Cole Music Shauna Mendini TomLynch Dance Art Kenneth Carroll Music Laurie Birmingham Acting he Utah SummerSchool for the Arts provides an array of classes and special workshops in art, creative writing, dance, music and theatre. Presented by Southern Utah University, the program includes guest and resident faculty 25 well as plays and concerts in one of America's most beautiful collegiate settings Designed for both traditional collegestudents and high school students desiring intensive summer study | opportunities, the Utah SummerSchool forthe Arts also Kay Andersen Dance Creative Writing Kay Cook Stephen Heyde Creative Writing Music Bill Ransom | Gary Armagnac Acting Tom Coleman Art David Bolsover Sandra Willetts Music | features a series of summer concerts, the plays of the renowned Utah Shakespearean Festival and performances by Burch Mann's American Folk Bullet in residence on the campus. Students enrolled in USSA programs can take Course work in theatre appreciation, dance appreciation, introduction to English composition, art appreciation, drawing and composition, introduction to music and fundamentals of music, They can also enroll in three music camps (concert 4 Christine Mills-Peet Dance Gary Reeves Music Mac Melntyre Bart Shanklin Deborah Reeves Theatre Music Music Music band, concert choir and orchestra), two actor training workshops, six dance workshops (modern modern/intensive, ragtime tap, jazz, jazz/intensive and ballet/intensive) and two art workshops (painting and ceramic/sculpture) SUU provides an outstanding setting for the study of the wts, The Utah Summer School for the Arts brings together uncommon tent in a broad range of the arts and affords an outstinding opportunity for an exceptional art expericnec FOR MORE INFORMATION: Call: (801 ) 865-8128 — in| Li. se Mills Dance |
