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Show lagt 2B, Lakeside Res lew, January 29. 1981 Women In Business Home Mortgage Rates Conventional FHA-V- week, she said. My kids accept my job and I think it has been good for them, too. She said working women need reassurance that they can have careers and still be successful at raising families. Talking with other women who work is a good way to alleviate feelings of guilt. out of 100 women who Ninety-eigh- t work have to for economic reasons, she said. They need to know that they can do it with the support of their families. Women face special problems when they spend a lot of time at their business, both in meeting their family obligations and in dealing with men in a mans world, Mrs. Brown said. If the house is messy, its still your fault, she said. She said a career in business is not for every woman, but said others who have the determination are often afraid to try. You have your ups and downs, but you have to stick with it, she said. Mrs. Brown shares her views on maintaining femininity with Mrs. Harris. Both feel a woman must guard her feminine traits in her dealings with businessmen. stance with I dont take a hard-lin- e men I deal the with or my employees with in the community. I try to be feminine, Mrs. Brown said. Women are accepted if they accept themselves, Mrs. Harris said. I feel feminine, but Im also equal to anyone in business. Everyone has to achieve on their own merits. Society has made women feel out of place in the business world. We have to she work harder to feel said. Ive never expected any favors or special treatment Ive always just been one of the guys. Mrs. Harris said she has a good relationship with her daughter, who is now 18. Shes my best friend," she said. She once told me not to leave her the business in my will, but I think she has decided it wouldnt be such a bad thing, she said. She said when she started in her own business, she was criticized for working away from home, but she said that attitude has relaxed. If we worried too much about the guilt trips we put ourselves through, wed never make it, she said. She believes in quality time with her daughter, and said some of the best experiences have been their trips to markets on the east and west coasts and to Denver. She may not have had those experiences if I hadnt been in business, she said. She also said her daughter has learned responsibility in a positive way I hired her to take care of the house on a fulltime basis and she has done beautifully. She has always known Im just a phone call away, though I may not be at home, she said. is the reward for the sacrifice and hard work a business In new EMPLOYEES enjoy pleasant surroundings Second National Bank building in Layton. Bank Opens New Building New Condominium Project Gets Under Clearfield Way in The first Veterans Administration-approveconstruction of new condominiums is now under way in Clearfield. it The $2 million, project, is located at 101 Center Street. Each unit will be 1,050 square feet and will sell for ' $44,000. Janet Gonzales, associate broker for Century 21 Golden Spike Realty, Sunset, said the project is a real service to people who cant afford an average priced home, which is currently runCLEARFIELD d 40-un- ning at $68,400. An average" home includes bedrooms with a two-ca- r three garage. Marketing Analyst to Give Report ROY The February meeting for the Roy Chamber of Commerce is scheduled for Feb. 18 at 7:30 a.m. Everett Steichen will be the featured speaker at the meeting. He is a representative of Larry Smith & Co. of California and will report to the chamber on the results of a marketing survey the company recently completed for Roy citys redevelopment agency. The breakfast meeting will be held at Moms Restaurant in Roy. Get Special Valentine Postmarks LAYTON Anyone wanting their Valentine cards postmarked from a city with heart can take their addressed, stamped Valentines to a dropoff point at Layton Hills Mall. Postmarks from Loveland, Colo.; Valentine, Tex.; Kissimmee, Fla. and other cities with heart can be obtained by dropping off Valentine letters in a box located on center court, at the mall, according to Barbara Gann, public relations director. Layton Hills officials will make arrangements to have the letters postmarked from one of those cities. To get a letter with this added touch, Valentines must be in the box by Monday. Correct postage is required. If inflation continues as it has for the past 10 years, Ms. Gonzales said, an average home will cost $184,399 by 1990 and $499,728 by year 2000. The project consumes two acres and is being built in the backyards of six land owners. Frontage for the condominiums will be on Center Street. The condos are scheduled for an April completion date. Classifieds LAYTON The Second National Bank of Layton has moved into new quarters near the Layton Hills Mall. The new building has replaced a trailer which has housed the bank operations since June, 1980 when the to the mall site. bank Dorothy Weathers, public relations supervisor at the bank, said the Second National Bank is locally owned and has assets of more than $4 million. The bank has been open for business in Layton since 1973, she said. The new building was open about two weeks ago. Small Businesses Can Cut Energy SPEED LIMIT Useage, Expenses How much money can realistically 14.371 Rate , f (14.721) 12.0 (12.0) ($100 min.) 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ITS $560.00 $46.67 must provide each employee with a completed wage and tax statement, Form W-for 1980 by Feb. 2, INSTALLED Call For Your Free Estimate HOME-$3- 0 A MO. 451-583- 4 190-030- 7 Custom Roofinq fix Sidinq Co. Utah 1406 South 700 West, Salt Lake City, Ft. NO GATES INCLUDED CAN UTAHN'S BEDROOM ef- Increase yon put pun of your .savings into U.S. Surinus Bomt oure helping to hniltl u hriuhler future onr for ottnlry untlfor yowwlf Outttrt HOURS: min.) FEA450 Soffit Titan, made in 1974 by General Motors. It stands 56 feet high and holds 700,000 pounds of dirt. ($10,000 Buy Now Before Spring Price When 4195 S. 500 W., SIC Exit) (45th Tel. or be saved SIDING Win4wi i (13.5) GAILG Chain Link Fence lake . stocks inmerica. DUNKLEY FIREPLACE FURNACES ' through energy conservation? According to the Utah Association of CPAs, savings to your small business can be quite substantial. Conserving energy can mean lower costs for heating and cooling and some significant tax savings, allowing you to recover some of your energy-relate- d investment. CPAs have developed an analytical technique, called an energy audit, that answers four critical questions. How much energy does your business use now? What does it cost? What types of energy are being used and for what purpose? And, how can you reduce your energy usage, saving on monthly utility bills? An energy audit can bring a minimum savings of 10 to 20 percent to a small business,' says Robert O. Redd, CPA, national director of energy management for Seidman and Seidman, a CPA firm. Such an audit gives you good leverage you spend one dollar, and you can realize $20 in benefits. Of course, he points out, the less energy efficient your business is now, the more money an energy audit can help you ' save. There are many operational changes you can make which can decrease your businesss energy usage. For example, the use of a setback thermostat, lowering the temperature from 68 degrees during the day to 60 degrees at night, can save you about 10 percent in heating costs in most areas of the country. Other ways to save on your heating bills include covering windows with insulating material; this can cut your need for space heat by as much as 10 percent. If you insulate the roof and walls of your business you can reduce heat loss by about 25 percent. Heat loss can be decreased by another 15 percent when you install storm windows, add weatherstripping to doors and windows and use door closers. When cold air enters your heated business or hot outside air comes into a cooled area, these infiltration losses mean a loss of money. You may want to redesign your space so that hot outside air will not blow directly into the air conditioned area, Mr. Redd suggests. Be sure your lighting levels are not excessive. This runs up your electricity bill two ways: you use more wattage, and your air conditioning system must work harder. You can also save electricity by using timers to shut off unneeded equipment at night. Use The Forms Due From Employers Revenue Service says. If the wage and tax statements are not issued on time, employers may be penalizing employees who will have to wait until February or later to file their tax returns, possibly missing out on the faster refunds available to early filers. (15.208) 13 .5 rate is effective each Thursday morning. This is the rate The new variable rate changes less frequently. fective today. The W-- 2 the A 30-Mon- th requires. 1981, . Money Market nt I move freight, do a little plumbing and handle a broom, Mrs. Harris smiled. But, I love it. 15.292 institutions in the Mortgage rates are an average of the rates at three lending area. Conventional rates are for 80 percent loans. We have ignored discount in points and other refinements. Last weeks figures are parentheses. too. Though her husband has his own career, each spends time with the children on a regular basis. We take time with each child each (256.2 The consumer price index is changed near the end of the month, according to the University of Utah Bureau of Economic and Business Research. The base The previous year is 1967. That is, items that cost $100 in 1967 cost $258.40 today. in is rate months parentheses. Continued from Page IB bookkeeping for the salons. Her son spends some time helping her, and the whole family pitches in to keep things running smoothly at home. Family responsibilities are a primary concern of all the women interviewed. All agree that support from husband and children are essential for success in business. I have a terrific husband, said He tended the kids Mrs. Perkins. while I went to school, and he helps me by planting the planters for the store. There is no way I could have done it on my own without him. Mrs. Browns two children a boy 11 come first in years old and a girl, 8 her life. It has to be that way, she said. When Im sick, I can usually come in and do some work, but when one of my children is sick there is no question I stay home, she said. I have working mothers who work here, and I try to help them meet their obligations, Employers 258.4 Consumer Price Index HOME FURNISHINGS 22 South Main, Clearfield 825-162- 6 (Models: |