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Show 12A The Salt Lake Tribune Saturday, April 28, 19H4 Club gives humanitarian award for contributions Many of the herbs have very decorative flowers and foliage. Try a herb planting near the back door or have some containers of herbs hanging from the roof of the patio. Have you ever enjoyed the lovely aromas of scented geraniums? These are actually grown for their scented foliage rather than for their flowers. The flowers are less showy than the other geraniums. There are a number of scented geraniums with delicious fragrances. Scents include strawberry, nutmeg, lemon, appeppermint, lemon-rosYou ple, balsam lime and mint-roscan use the foliage fresh or dried to flavor beverages, preserves, jellies and desserts or to make potpourri and sachets. Scented at Sale While we have not found a source of scented geraniums in Salt Lake City, we learned that the Arboretum staff at the University of Utah has grown some of the geraniums, and will offer them for sale at their annual plant sale on May 19th at the University of Utah. The sale starts at 9 a m. Chives are interesting herbs with their lovely lavender flowers which are perfect for drying for winter bouquets. The leaves are tubular and taste like mild onions. They are used to flavor soups, sauces etc. Chives grow in clumps about a foot Genevieve H Folsom Tribune Garden Editor Semiannually, the Flora Culture Garden Club presents one of its members with the club's humanitarian award for outBy standing contributions to the garden club and the community. Mrs. S.C. (Irene) Leaver was the recipient at the April meeting of the club. Mrs. Zola Cole- man, e, awards chairman, made Mrs. Folsom the presentation. Mrs. Leaver served as president of the club in 1946-4- 7 and was a member of the board of directors in 1968 and 1983. She has staged and assisted with many flower shows of the club and has been active in community affairs. She also served on The Salt Lake Tribune Spring Home and Garden Festival Committee. Garden club members are active in promoting the wonderful hobby of gardening throughout the state on through programs horticulture and related subjects. They also encourage citizens to plant gardens and to improve their homes, neighborhoods, communities and state. Try Planting Herbs are busy planting your garden, you should consider herbs. Herbs are plants used for medicinal, culinary and fragrant purposes. high. If you It At the Arboretum sale there will be herbs, as well as the scented geraniums with scents of apple, lemon, peppermint, nutmeg and orange. If you like Italian food, you will want to grow oregano. The plants have gray-greeleaves and can be used dried or fresh. Winter savory has dark green foliage which turns red and purple in the fall. Sage is a favorite and is used to make that wonderful stuffing for the turkey on Christmas and Thanksgiving. The leaves are gray and are dried for n use. Dont Forget Lavender favorite with grandmother was lavender. The silvery-grafoliage and the pink flowers make it a very nice garden subject. Dry the flowers and use them in potpourris or sachets. A sachet of lavender placed in a drawer will perfume the clothing. The mints are used to flavor drinks and for making jelly. A hanging basket of herbs near the kitchen door or potted herbs on a sunny kitchen window provide plenty of flavor when needed for your cooking. Speaking of fragrance, you shoud have a rose garden somewhere where you can enjoy its fragrance; near the door or a window where the roses can be seen and you can enjoy the perfume. Try a climbing rose over the porch or a red or pink climber planted on a white picket fence for a gorgeous sight. Floribundas look lovely planted alongside the driveway or walk. Pot up some of the delightful miniatures and place them around the porch or patio. A y important to shop around for the best, cheapest insurance is By Dawn Tracy Tribune Lifestyle Writer Almost everyone has life insurand cheapance, but is it the best est policy? Life 1. Differences in insurance prices can be substantial, so it's wise to shop around. There are three types of life insurance policies, according to the American Council of Life Insurance: term insurance, whole life and endowment policies. Other types of policies are variations of the basic three. Term Cheapest Term covers the insured for a specified length of time or until age 65. It's attractive because the insurance is initially cheaper than other types of policies for the same amount of protection. For this reason, it's useful for consumers who need large amounts of coverage for a known period of time: home buyers or parents with young children, for example, or people with high obligations over a specific period of time. Payments for term insurance go up through the years. Or, some policies offer level payments, but the coverage decreases gradually. The latter type is often used as a way to pay off a mortgage in the event of death. Cash Values Whole or straight life insurance is protection that can be kept in force for as long as the person lives. It has higher premiums than term insurance to begin with, but the premiums are stable. By choosing to pay a premium that does not increase as the insured grows older, the cost of the policy can be averaged over a lifetime on a yearly basis. One feature of whole life insurIhe ance policies is cash value amount of cash received upon surrender of the policy before it becomes payable by death or maturity. (ash value can be withdrawn in the form of a policy loan, it can be turned into an annuity payment when the person retires or it can be used to offset the costs of the premiums. Endowment Savings The third type of policy is called endowment insurance. Endowment premiums are higher, but the policy emphasizes the savings aspect of insurance coverage while providing life insurance protection. After a number of years or at a certain age, endowment insurance matures anJ pays the face value of the policy. To help consumers understand what they're buying, the American Council of Life Insurance has published a booklet called A Consumer's Guide to Life Insurance The booklet 2. 3. 4. 5. 6. 7. 8. Insurance Dos Understand the policy before you buy. Buy from a company thats licensed in your state. Ask friends and relatives for a good agent. Shop around and compare costs. Buy only as much as you need and can afford. Read the policy. Tell your beneficiaries about the policies and where you keep them. Check coverage periodically or whenever situations change. Source: The American Council o( Life Insurance was prepared in cooperation with the Extension Service of the U.S. Department of Agriculture and the Consumer Information Center. Free Booklet For a free copy, send name and address to the Consumer Information Center, Dept. 603M, Pueblo, Colo. 81009. To compare insurance costs before buying, ask an agent for a spe- - the wage earner's insurance is whole life. The spouses insurance is term to age 65. Children are covered by term at no extra cost shortly after theyre born. Which policy should be bought? It depends upon individual needs, said The American Council of Life Insurance. Term is useful if the person is young and wants to make sure his family is taken care of if he dies. PACKET WATCH cial cost index that rates and compares similar life insurance policies. If there are questions about a policy or company, call the state Insurance Commissioners Office. Over time, companies have developed other types of policies, but all are variations of term, whole life and endowment policies: Limited payment policy is a variation of whole life in which the insured pays only for a stated period or until reaching a certain age. Premiums are higher than for whole life but case values accumulate faster. Modified life premiums are low but go up in later years. The policy is attractive for those who want whole life insurance but wish to pay lower premiums in their younger years. If single and the insured has no dependents or responsibilities, perhaps life insurance isnt needed. Fixed premiums and the buildup of cash value in whole life policies may be attractive for more financially established consumers. If the person buys whole life, make sure to keep it because it can be expensive to allow the policy to lapse in early years. In determining how much life insurance is enough, consider how much cash is needed immediately, readjustment money and replacement income in the event of death award by Mrs. Zola Coleman, left, Mrs. Ann Harrison, for contributions to club. Mrs. S.C. Leaver, center, is presented with Flora Culture Garden Club humanitarian We are building a new warehouse and in preparation for the move, we are selling many one of a kinds, discontinued and overstocked items at greatly reduced prices. Below is a partial listing to illustrate the savings. Sofa, light brown cotton fabric. 85" long, includes throw pillows Dining table teak with extension. 72" 40" extends to 119". 2 Buffets with hutch in teak. Tambour doors on buffet, hutch each with glass doors. 86" x 21 " x 67" high. 1 Loveseat in beige woolnylon fabric 58" x 35". 1 Corner table with chrome legs. 31 " x 31 " x 1 7" high. In teak. Set of chairs 4 all purpose chairs on casters, dark camel cotton fabric. Lounge chair, laminated rosewood stain frame, brown leather. Round coffee table, 39" glass top, teak frame TV VCR Cabinets in teak. Tambour doors and storage for movie cassettes. 39" x 21 " x 47" high. Rolltop desk in teak with drawers. 35" x 1 8" x 38". Set of 4 dining chairs irj solid teak with plaid wool fabric. Stereo cabinets in teak with record dividers and drawer. On casters. 40" x 15" x 22". Lecturn desk in solid teak with leather inlay. 26" x 24" x 45" sectional with teak base and corner table by Thayer Coggin. In sand wool fabric. Ottoman with brass frame, melon colored fabric. 36" x 19" x 1 7" Bars with solid teak sliding top and drop front. 40" x 1 6" x 45". Lounge chair with ottoman, teak frame, beige wool fabric. TV cabinet on casters. Pullout shelf for VCR. 35" x 1 9" x 35" Buffet in teak with tambour doors and finished back. 71 " x 20" x 31 ". Triple dresser in teak with built in vanity. 73" x 19" x 30". Queen bed in teak with drop lid night table and storage headboard. 101 " wide at headboard. Double dresser in teak with tambour doors. 71 " x 20" x 27". Queen bed with pull out shelves and tambour doors on nightstands. Headboard 104" wide. Triple dresser in teak with drawers and tambour doors. 83" x 20" x 2 1 in 1 4 x at . BOOKCASE '' 3 for 129. in white PVC. Adjustable shelves. Reg. 89. Now 49, 31 x 12" x MUSIC CENTER in teak with pull out shelf and Reg. 279. j 2 Now drawers. 48 x 18" x 31 V2" high FILE CABINET drawers on metal glides for either legal or letter size usage. x 1912" x 29" high. 249. Now Reg. in teak with 2 OF SALT LAKE SOLD HIS CAR ON THE 2ND CALL 6 Variable lifes cash values fluctuate according to yields earned by a separate fund which can be an equity, money market or long-ter- " 149. 20'' MR 76" high A 149. Available with 3 drawers. Reg. 299. Now 179. bond fund. Supplies limited. Adjustable life policies can be changed as needs change. And. many companies offer lower premiums for nonsmokers. Combinations plans are policies that combine term, whole life and endowment insurances. O Family income plans usually cover the family's principal wage earner. It combines whole life or endowment with decreasing term. Family policies cover all members of an immediate family. Often, and delivery extra SPRING SM PIANOS & Set-u- p WANT-AD- 237-200- ORGANS NIGHT TABL GET YOU RESULTS S in x 15V' x 25 high. Reg 79 Now 0 HIW teak with draw 19" 59, & USSD New Console Pianos Choose from Featuring. III 4 Stylos TWIN 1595 f in teak. CALK New Organs from the qualify Cable mfy. of Knaba, Mason-Huinli- n . . Cable, available only o Kings Music. OFF 39" x 75" Reg 209 Now 109. Sale price limited to available stock Good through 54'84 (Mattress not included) 2233 South 700 East 486-811- 9 Just One Block South of 3ht So. Utahs Largest Selection of Scandinavian and Contemporary Furniture 5410 South 900 East SLC266-581- 8 Open Mon, thru Sat. 9 am-- 6 pm, Thurs and Fri. i til 9 pm |