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Show 2B Sun Advocate, Price, Utah T uesday, November 3, 1987 consumer hints Ann Self (Continued from Page IB) health and Nyman was named president. New members of the expanded board were Grant Fausett, Joe Takita, Robert Carnavali, Mrs. John Carver and Lawrence Stevens, East Carbon, Mrs. Nina Goodrich, Spring Glen, and others served at later times. In 1963, Self was named First Lady of Price, by Beta Sigma Phi, a womens organization. The citation noted her work as a member of the Carbon County Mental Health Board and other civic and LDS church work as Attention Persons With Allergies and Asthma BRENT R. BURDETT, M.D. BOARD CERTIFIED ALLERGIST FROM INTERMOUNTAIN ALLERGY AND ASTHMA CLINIC Comes to Price Utah on a regular basis for the diagnosis and treatment of allergic diseases. He sees patients at East First North, No. 5 Price, Utah 84501 For an appointment or further information call 590 well as her work for the han- dicapped. She was the youngest woman at that time to have received the award. Self died the following year at the age of 39. Marcheta Pierucci became director and by 1965 there were 15 students. Highlights of their school experience for many students were outings to the swimming pool, canyons and other places. The Utah Legislature enacted legislation making handicapped education the responsibility of public schools. The Castle Valley Workshop, financed through the Utah Department of Social Services, was added to the operation. Its program is primarily for those over school age. The school was moved to the old Spring Glen School. Principals or directors there included Dan Wells and Tonita Crookston. Eric Mathews and Owen Olsen were both named supervisors of the workshop. Michael Keller is the present supervisor. Edna Romano is the present questions regarding your need to see a specialist, please consult your own physician. If you have directorprincipal. The tax break pitch people. The limits for up to a full $2,000 yearly deduction are $25,000 adjusted gross income for single persons and $40,000 for married couples. There is a partial deduction available for 0 singles earning By Dennis Hlnkamp Consumer Information writer Maybe we just cant think past this years tax refund. Maybe tax reform still has us confused. Maybe we still expect to get something for nothing. Whatever the reason, you probably have seen and can expect to see more advertisements for tax deductible financial opportunities. $25,000-$35,00- couples $50,000. earning Lown says that despite the income limits, people seem to have lost sight of the sheltered income aspect of IRAs. Even if you do have to pay taxes on the money when you put it in, you dont have to pay taxes on the yearly earnings. When you do withdraw the money at retirement, you still have the advantage of paying taxes at what will probably be a lower rate. She says there still arent many safe options to deferring income for retirement other than IRAs or the related retirement plans such as Keogh, 401K and 403B. Couples should remember that the new tax law will likely For instance, Individual Retirement Accounts (IRAs). There are people out there who will try to lure you away from IRAs, citing changes in their tax deductibility status. According to Jean Lown, consumer economist in the Utah State University college of family life, some people have forgotten the main purpose of IRAs. Although they have been marketed as tax deductions, primarily for they are retirement and $40,000 security. And tax laws have the although changed somewhat, they still offer a deduction for many raise their adjusted gross in- - come, so they must be careful when budgeting the IRA contributions based on last years adjusted gross income. Most of the good reasons for getting an IRA are still there. Dont be scared away by a small Lown loss of tax deduction, says. Off-roa- d classes to be offered In compliance with the new vehicle laws and classes will education rules, soon be offered through the Utah Division of Parks and Recreation. The division is currently seeking volunteers to teach snowmobile, ATV andor motorcycle classes. Instructors must be at least 18 years of age, have a current valid drivers license and have no convictions for driving under the influence of alcohol or drugs during the previous five years. If you are interested in becoming a volunteer instructor, call or write Mary 1636 West Chavez at North Temple, Salt Lake City, ay ay 533-406- 4, Hkt gn n km 84116. During the several, 1987 ay Legislature, vehicle laws were passed. These laws concern many vehicle users. No person under eight years of age may operate an vehicle on public lands or roads. Helmets must be worn by operators eight through 17 years of age while on public lands or roads. (Operators of any age should wear protective head vM ay Itanfe gear.) vehicles must current a display vehicle registration decal, not only while being operated but also while being transported on public lands or roads. vehicle The $12 registration fee is used for the following: funds the All ay ay U tah banks are much more than institutions where people deposit and borrow money. Batiks play a universal role whenever people are engaged in commerce. But more than that, Utah banks are employers and taxpayers which contribute significantly to Utahs growing economy. Banking is based on trust and confidence with the added secunty Banks are banks, others are not. institutions are not banks, although many would like to be. Some even include bank in their names. All financial institutions do not pay income tax as banks do. Banks pay property, income and other taxes to support our state and local governments and schools. And only banks provide the full range of banking services associated with the term "bank. All financial Utah banks have real estate loans outstanding of more than S 1 .4 billion. List year, banks made 12,790 mortgageDans in the amount of $91 6 million. ay Utah banks help make Utah a great place to live. ay In addition to the vast number of hours and dollars contributed to charities, civic organizations and cultural affairs by individuals working in Utah banks, the banks themselves pro- vided by Federal Retirement security for our people. Deposit Insurance Corporation (FDIC) protection of depositor's funds up to $ 100,000. Insurance through the FDIC is not free. Banks pay for it based on their deposits. Last year, Utah banks paid approximately $6.2 More than 74,000 Utahns have invested their retirement funds in Individual Retirement Accounts (IRAs) in Utah banks. More than $382 million is on deposit in IRAs which are administered million to provide FDIC insurance protection for their customers. The FDIC insurance fund by Utah banks. In addition, now exceeds $18 billion. Convenient locations throughout Utah. There are 44 banks in Utah. Together, they have 405 branches serving most every Utah community. More than 230 automatic tellers- -, some associated with national bank trust departments administer a variety of pension, retirement and plans for of all size. of employers profit-sharin- banking convenience every dav of the vear. ur Utah Banks are major employers. The banks in our state employ more than 10,600 people with a combined annual payroll of $177 million. Banks hired nearly $1.5 million to support social, cultural, munities throughout Division Bankers are concerned about our future. individual citizens. List year, approximately 122,000 new loans to consumers were made by Utah banks. Businesses, too, are borrowers. Last year, Utah through Your Bank and You." Sponsored by the Utah employees last vear. Parks and A cord of firewood can contain bank- ing course was taught by bankers last year in 78" of the State's high schools. Computer soft ware provided by the Bankers Association is also helping students in 75 high schools learn more alxmt Money and Banking." The I BA also 3,081 new of Recreation while on publilc lands or roads. If you would like a copy of the current Vehicle Laws and Rules, call a number of products besides Bankers Association, ur 1988, 1, How much in a cord? use of credit five-ho- July 533-601- 1. planning and prudent the s ay svs- - tern, personal financial Credit is an important aspect of personal and business commerce. Utah banks have more than $1.5 billion in installment loans outstanding to vices by the Division of Motor Vehicles; Utah Division of Parks and Recreation safety patrol, law enforcement, search and rescue, acquisition and operation of OHV areas, winter trail grooming, snow removal and trailhead rest rooms. Title certificates will be issued for model year 1988 and newer vehicles. operators eight through 15 years of age must have in their possession an education certificate recognized by the Utah the state. about the monetarv ser- registration $10-fun- ds Effective Students are learning early Providing credit for Utah consumers and businesses. program. ay health and educational activities in our com- g EJ 24-ho- are major contributors. From their own budgets and charitable foundations, the banks of Utah donated education vehicle provides films, slides, videos and speakers on a variety of money management topics with the goal of disseminating information and building a better economv. fuel for your stove. Mike Grosjean, with Utah Division of State Lands and Forestry, indicates that a cord of wood equals a pile of wood measuring 4 feet by 4 feet by 8 feet and can yield the following quantities of products: 7.500.000 toothpicks 0 lbs. of paper 942 books 61,370 business envelopes 1,000-2,00- lb 4.384.000 commemorative-siz- e postage stamps 460.000 personal checks sheets of bond paper 89,870 8- - by 11 copies of the National Geographic 2,700 copies of the average daily paper (35 pages) 250 copies of the Sunday New York Times 30 Boston rockers 12 dining room tables Building an 1,800 square-foo- t home uses 10,000 board feet of lumber equivalent to 20 cords. So when you are cutting wood this year think about the various products that this renewable natural resource can be used for. 1,200 Banking is an important part of the business sector. The assets of Utah banks exceed $10.7 billion representing approximately 60" of the assets of all financial institutions in Utah. Deposits, both personal and commercial, are more than $8.8 billion. I 'tali banks pro ide funds to everv kind of customer. IWIJI banks made nearly 29.000 loans of all types to businesses in the amount of $2.98 billion. Loans outstanding exceed $6.6 billion. Banks also lend money to individuals and businesses to buy land, homes and buildings. Utah Bankers Association INS South Sl.iii'Nliwl. Sun i Jl I Sill LikeCih.l t.ili Still t L |