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Show THE WEST MOUNTAIN TIMES, JANUARY 7, 1982, PAGE FIVE Consumers need educating against monetary hazards cial impact of using a card which charges a cash withdrawal fee, transaction fee or an annual membership will, be in comparison to a card which does not charge these fees but indicates a higher interest rate figured on the average daily balance' instead of the previous balance as utilized by the card charging fees." An official of the naWashington tions largest consumer advocacy organization has called on Congress to adopt an expanded consumer cation program. edu- Jim Boyle, director of governmental relations for the Consumer Federation of America, testified to a Congressional subcommittee recently that there are four basic reasons why he said consumer education is of critical importance" today. Third, federal consumer protection activity under the Reagan admin- - The Auto Corner istration is decreasing. Fourth, consumers have been to deal with ourcomplicated marketplace. In 1975, a national study conducted by the University of Texas con- cluded that about of the adults surveyed were incompetent to perform even the most basic consumer skills, such as balancing a checkbook or filling out a 1040A short form income tax return," Bovle testified. two-thir- ds w. if . . if 'fauuf Gum loosen it by rubif peanut butter into and if bing around the gum. It will let go." if might be a grease spot, but if There treat it with a if clothes detergent. Magic! if Keep yourwashing wallet from slipping out if of your back pocket;, a rubber if band snugly bound around it will if help keep it safely in place. if favorite spread for toast and panif cakes is canned baby food fruit. refrigerator to be just if Keep inConvenient right. if households becausefor of small if portions no spoilage. if Pots to match a room if orPainta Flower color scheme in a corner. if Invert the pot over an empty soft drink bottle and paint as you turn if the bottle. Quick as a wink! if Keys off of tin cans, such as found if on nuts and meat, are great stuck if into the ends of if sturdy, neat, washable. if To sew on a row of buttons place is to go and if each exactly whereit. itAfter sewing, if can easily be removed and if tape a straight rowofbottons! if presto! Don't throw away small bits of soap if left over from bars. Sliver them First, inflation has put the American family in an economic straight-jackand causes fear, the breeding ground for greed," he said. et Stuck-o- n Individuals of weak character in a strong bargaining position practice fraud and deceit on unsuspecting consumers." he said. grease-dissolvi- and . .consumers have A been to deal with our complicated red one-pers- marketplace Second, consumer transactions are becoming more and more complicated. Citing the credit card as an example, he said: The consumer will not only need to know how to shop for the goods being purchased but will need to know, prior to using a credit card, how to shop for a credit card. In states like Texas, for example, for some purchases the interest rates for store cards are lower than the interest rates for bank cards. In contracting with a credit card issuer, the consumer will need to know some of the fundamenAct and tals of the the Electronic Funds Transfer Act. Even with this knowledge, the consumer will need to know what the finan transparent-tap- e into an empty plastic squeeze bottle. add hot water and you have a soapy liquid to use for hands, light Truth-In-Lendi- e-WD- AO 'S THE BIRD SHOP PHONE washing and dishes. From time to time, just add more slivers and more hot water! Into a large cork stick all loose thumbtacks. Safe and handy! d To cool eggs when you need them in a hurry, shell and place in a bowl of ice water (use cubes). They will be ready to drain and use in a very few minutes. hard-boile- For painting chores, fasten an ordinary paper plate beneath your paint can to catch spills. When using mending tape with no dispenser, slip a paper clip under cut end. To use again, end is easily lifted up no frantic searching for hidden end. To easily bake tiny pie shells, press circles of pie dough neatly over bottoms of muffin tins, turned Be sure to prick botupside-dowtom of crust with fork before baking. Fill with favorite yummy" when cool ice cream, pudding, n. fruit, or whatever. For a sudden fire or flame of any kind, have your baking soda box on hand! Sprinkle generously and it will douse at once. My french fry fat boiled over and started a quick, frightening flame once and this was invaluable to know! Soda to the rescue! $if if if if if if if if if if if if if if if if if if if if if if if if if if if if if if if if if if Laughter can be medicinal J.ifK 5486 SOUTH 4220 WEST KEARNS, UTAH 84118 JlowuMtfalli Laughter is good medicine, according to a year-lon- g study which tried to motivate people to see humor in everyday situations. Weekly injections of humor by University of Southern California researchers in the lives of elderly nursing home residents make them more cheerful and responsive. J ,cP 969-728- 9 Finding the right repair shop Nothing lasts forever. All you have to do to prove to yourself that Im right is to look at yourcar. Once a shining new monument to human technical advancement, its now getting hard to start, beginning to use oil and wearing out its tires before it ought to. Its reaching the point where it needs some tender loving care. But, this leads to the big problem that goes along with auto ownership: how to find a shop with mechanics who really do care. It aint easy, but if you dont mind shopping around for car service as diligently as you would for a good restaurant, there are lots of options open to you. The selling dealer. These guys know your car pretty well, having sold it originally. Most of the mechanics have had some factory training and their tools are especially designed by the factory for work on your particular car. Prices are usually high and the volume of work put out sometimes leads to an impersonal attitude. Independent shops. They do not have new car sales to fall back on so all they have to sell is their own ability. Usually not as hip on the new models as the dealers mechanics, they get things pretty well sorted out by the time the warranty expires. You usually get more individualized attention, since the work at Toms Garage is What's a homemaker worth? recent General Mills American Family Report indicated that men felt the dollar value of a homemakers job was A $12,700; while feminists believed the dollar value was $21,500. The report was based on telephone n interviews with a national of citizens by the polling organization Lewis Harris and Associates. All women polled felt homemakers should be paid $13,800. Homemakers themselves thought they should cam $13,700. Working women thought $14,000 was enough. cross-sectio- family traditionalists felt fair wages for taking care of a home and children were be $19,600. However, they believed the effects on the family of a working mother were negative. They cited lack of child guidance and the disintegration of the family unit. Feminists on the other hand, believed that both parents working had positive results, some of which were increased income and increased growth and satisfaction for women (its better for women, they become more THIS WEEK Parakeets from $9.95 $37.50 Cockatiels $120 Pocket Parrots to 89.95 from $55 Conures Printing Cantor WITHiTHIS COUPON SEE TRY OUR NEW HIGH QUALITY Canaries Macaws Amazon Parrots Baby African Grays & Cockatoos Complete line of Supplies & Cages XEROX & If we & IBM DUPLICATING EQUIPMENT BRING THIS COUPON WITH YOU AND GET 50C OFF ON YOUR NEXT ORDER (100 COPIES MINIMUM) EkP'Fc. JANUARY 31 90? dont have it well get it! Of F most often done by Tom himself. Mass merchandisers. This is the trade name for department stores that have auto repair shops attached to them. Some just sell and install tires and batteries but others offer a fullline of repairs from tune-u- p to engine replacement. They have one big advantage over other shops you can put the job on your credit card. Specialty shops. Like being a naval doctor, these guvs are specialists. They may work just on transmissions, exhaust systems or brakes. Others are or engine only interested in tune-up- s rebuilding. The service is usually quick, since they only stock parts to work on your particular problem and their shops are specifically set up for Bob I Inin by an auto club and are good places to find out what's going on with your car, especially if you plan to work on it yourself. Automotive machine shop. Speak- ing of fixing your own car. I am told by the guys who run auto parts stores that over 60 percent of their machine shop business is done with Alter a few semesters in a high school auto shop, the average student can remove and replace his own cylinder heads, but not many of them have the machinery or skills that it takes to actually do the valve job. The machinist can usually supply some free tips such as how not to get into more trouble than you can get out of. that. Service stations. Although the fuel crunch has depleted their numbers, there are still a lot of service stations that do a thriving business in the back room. Since taking on an oil company franchise is sometimes an inexpensive way for a good mechanic to get into business for himself, you can frequently find a good man in these humble surroundings. Diagnostic facility. These places only test your car and tell you whats wrong. Since they dont sell repairs, they dont embellish on the problems your car has. They're usually operated Detail shops. These places are usually known only to auto dealers who use them to sharpen up used cars, but theyre also handy for people like me who dont like to take care of their own clean up. A detail shop is also handy when you want to get yourcar ready to sell. Finding a good shop may take some searching, and when you do succeed. youll find that you can usually trust the mechanic not to ov ersell you. He probably has more work than he can handle as it is. C- O - N - S - U - M - E- R - G - R -A- M IF YOU'RE PLANNING TO MOVE TO A NEW TOWN OR CITY, THINK AHEAD ABOUT BANKING SERVICES DON'T THINK YOU SIMPLY CAN BRING ALONG A $1,000 CASHIER'S CHECK. DEPOSIT IT IN YOUR NEW MANY BANKS WON'T LET ACCOUNT AND BEGIN WRITING CHECKS YOU WRITE CHECKS ON IT UNTIL A CERTAIN NUMBER OF DAYS HAS THE SAME IS TRUE WITH CERTIFIED CHECKS PASSED WHY? BECAUSE CON ARTISTS ARE KNOWN TO PAY FOR A CASHIER'S CHECK IN ONE TOWN. GO TO ANOTHER AND CASH IT. THEN CALL THE FIRST BANK AND SAY THE CHECK WAS STOLEN AND ASK THE BANK TO STOP PAYMENT YOU CAN TRAVELER'S CHECKS ARE SAFEST ALMOST ALWAYS GET THEM CASHED OR CAN DRAW ON THEM ONCE BUT THEY'RE MORE EXPENSIVE YOU CAN THEY'RE DEPOSITED HAVE YOUR OLD BANK WIRE MONEY FROM YOUR ACCOUNT TO YOUR NEW BANK WHILE USUALLY THOSE FUNDS WILL BE CODED "IMMEDIATE CREDIT," NOT ALL BANKS WILL ALLOW CHECK CASHING ON THOSE FUNDS IMMEDIATELY AND IT IS MORE EXPENSIVE TO HAVE YOUR FUNDS WIRED BEST OF ALL SAYS THE AMERICAN INSTITUTE OF BANKING IS TO OPEN A CHECKING ACCOUNT IN THE THEN BY NEW CITY WHEN YOU GO THERE TO HUNT FOR HOUSING THE TIME YOU RETURN ALONG WITH YOUR MOVING VAN. YOUR DEPOSITED CHECK WILL HAVE CLEARED ONE OTHER REMINDER-SO- ME GROCERY AND DEPARTMENT STORES IN THE NEW CITY WON'T ACCEPT YOUR PERSONALIZED CHECKS UNLESS YOU HAVE A LOCAL DRIVER'S LICENSE SO KEEP SOME TRAVELER'S CHECKS ON YOU FOR CONVENIENCE THE FIRST WEEKS IN YOUR NEW HOME TOWN COST OF HOUSING HAS RISEN ASTRONOMICALLY OVER THE U S DEPARTMENT PAST DECADE AND A HALF OF COMMERCE CONSTRUCTION REPORTS SHOW THIS: IN 1963 THE AVERAGE SALE PRICE OF A PARTICULAR TYPE HOUSE IN THE NORTHEAST REGION OF THE COUNTRY WAS TODAY THE SAME KIND OF HOUSE SELLS FOR $22.300 IN THE SOUTH HOUSING THAT COST $79.000 $16,000 IN AVERAGE SALES PRICES 1963 NOW SELLS FOR $69.200 FOR PARTICULAR KINDS OF HOUSES IN THE NORTH CENTRAL REGION OF THE COUNTRY HAVE RISEN FROM $25,000 IN 1 963 TO $74,000 IN 1980 THE WHERE YOU MOVE CAN MAKE A SIZEABLE DIFFERENCE IN THE STATE A RECENT REPORT BY THE DISTRICT AND LOCAL TAXES YOU PAY OF COLUMBIA GOVERNMENT COMPARES TAX BURDENS IN WASHINGTON DC WITH THOSE OF THE NATION'S 30 LARGEST CITIES AND FINDS A SIGNIFICANT DIFFERENCE IN TAX BURDENS AT ALL INCOME LEVELS THE MAJOR STATE AND LOCAL TAXES INCLUDED IN THE ANALYSIS ARE THE INCOME TAX. SALES AND USE TAX. VEHICLE REGISTRATION. THE WEST MOUNTAIN TIMES ' WILL PRINT THE ANNUAL EXCISE TAXES AND PERSONAL PROPERTY TAXES MEDIAN FAMILY IS ASSUMED BY THE STUDY TO OWN A HOME WITHIN THE CITY BOUNDARIES AND ALL INCOME FOR THE FAMILY IS E ASSUMED TO BE EARNED WITHIN THE COMPARISONS IN PITTSBURG THE TAX BURDEN OF $1,219 AT THE $7,500 INCOME LEVEL IS MORE THAN FIVE TIMES GREATER THAN THAT FOR NEW AT THE $50,000 INCOME LEVEL THE $7,954 ORLEANS AT $214 TAX BURDEN IN NEW YORK CITY IS MORE THAN FIVE TIMES GREATER THAN THE $1,505 TAX BURDEN IN NASHVILLE. TENNESSEE CITY---SOM- Your Boby's First Birthday Picture Free! ARE MOVING AND WANT TO SEE HOW YOUR CITY STACKS OF THE COPIES UP REPORT CAN BE OBTA'NED FROM THE DEPARTMENT OF FINANCE AND REVENUE. OFFICE OF ECONOMIC AND TAX POLICY. 300 INDIANA AVENUE. N W ROOM 5 30. WASHINGTON IF YOU . 1 DC - I) CARPET CLEANING SPECIAL Just $10 per room (2 room minimum) with this coupon 100 percent money back guarantee! Stesm, or dry cleaning Expiration date January 12th C photograph of your baby to our offices at 4140 West 5415 South and well print it Jan. 21 in Bring a wallet-siz- e our monthly Baby Insert. Call for additional information. 966-444- THE WEST MOUNTAIN TIMES your community newspaper PROFESSIONAL, PERSONAL CARE CALL 572-326- 1 4 PIONEER CARPET CLEANING |
