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Show ruesday .Noutiubtr Lifestyle ai)r Sail I'akf Erilmnr .Section b, A l'Jiil Page 14 Indents learn about banking procedures l! I hi n w I J I f s Six lested students otfii r then .heads on then desks either listening iitent v or doing Hudg''ting is the least liked subjet o' let n ug( S al mug about pel son, o' e ii is the ke foi adulls In tin ii,i i ai tueve finaneial sm cess latei said t'nnwav K Hansen, executive wee president, (iiiardian State Bank Mamls-- Mi I In Experience If, insen is one ol .if nmmei la ba'lkei s te.iefnng the minii mil se mu Bank and Yuli i Hu Joint Cuum.il on hi minimi hdui ation The last day of the class is a slide pi oscillation on budgeting describing the process in establishing and to ,n ibune ,i rsl le tt i Hi i lie banker paused dm ing Ins I' i i mhi.iI iinanie while ,i In n mi i' mi age gul iliiew a wail of paper in a wastebasket at Iho front of the cla-M.oiild we sioji a minute' In asked floes ainbodv else need lo iluow something awav'1 i h ('lasses aie designed to gie high students hands-oexperience writing and recording checks, recon-- ( iling a bank statement, setting financial goals figuring the cost of i edit and determining a budget The minicourse in banking is taught by a local commercial banker lor one week with the regular teacher present Classes can be altered for schools having days The hanking course includes a vid eu presentation depicting a high school girl who learns the harsh realities of unwise credit use A chronic bm rower, the teen-age- r ends up wrecking her car after failing to get the brakes fixed after opting instead to buy a jacket she had placed on layaway The video was produced si bool i eight-perio- a maintaining In budget Fifth Year Now m its fiflh ' md You has been year, Ymu Bank taught in 82 of the 'i oes mo high schools More than non tudents participated in Octo-h- i r alone 'senior high schools eni oiled in the piagium aie as varied as the bankets a lei teai h the course This w eek, two loial bankers will bung the nnni-muse to seven of West Desert High Sc hooks student body at Tiout Clock I'eac hers wanting a banker to te.u h in classes geared to personal finance (family life, economies. Bee enterprise, utfice proceduies or computer classes) may ask their local banker about the program or call Sandy Clayton at the Utah Bankers Association The banking mimcourses pi omotc financial responsibility among Utah s voung people,' said Ms. Clayton "Barticipating is as easy as making a phone call Writing checks and reconciling a asbank statment are the most-likepects of the course, according to surveys of participating students Credit and savings are next, followed by lessons on the Federal Reserve System Budgeting classes are last in populard ity At Kearns High School. Mr Hansen told students that the wealthiest Americans have u nttmi financial goals and budgets those with lliian i lal problems do not Key to Finam lal Success Budgeting is the key, he said It ( an make the difference of being in m out of financial difficulties Budgeting can mean financial freedom Tips for budgeting include setting realistic goals, reviewing the budget often, comparing what is spent with money that has been budgeted and ' keeping the budget current Don t figure budgets by what nib eis spend, bankers tell students l spending patterns may dittei widely Also, don t expect rimailes, the habit of budgeting takes time Yet don't be inflexible Budgets should be altered as financial status changes Budgets should im lude monthly oi weekly income, along with expenses This includes jobs, allowances and any government payments. Expenses include fixed costs such as car payments and savings, flexible debts such as phone bills and clothing, and discretionary expenses such as movies and records If expenses add up lo more than monthly income, take a look at spending to determine what flexibile or discretionary expenses can be reduced. If expenses have been cut to the bare minimum, consider ways to increase income Borrowing Against Future Review your budget goals." said Mr Hansen. "Decide what you want to accomplish; is it financing a college education or buying a house or a stereo1 Then draw up a plan to achieve what you want, and figure Banker Conway Hansen assists Cami Ray in writing checks, reconciling statements. out it " how long it will lake you to get Budgeting doesn't have to be com plicated. A system of putting money into jars earmarked for different expenses can be effective Savings accounts are a safe wav to Perennials for next years garden fur the home. These should be planted in rows as you would vegetables. In your regular flower garden you should plant at least three or more of a single variety and color together a public service, the Utah Association of Nurserymen and Land scope Conti actors are cooperating with The Salt Lake Tribune In orlnging you pertinent weekly garden information. This Is on preparing the perennial bed for winter and planning next year's garden Information Is from Doug nurseryman Johnson, a and a grower of perennials As By Genevieve H Folsom Tribune Garden Editor If you haven't already done so, you should clean up your perennial flower bed if it isn't covered with deep snow Clip off all the flower heads and the stems and place in the com-po- Dougf, one of the needs. pile. Johnson, area's fine grow-er- s of perennials recommends To protect the less fft hardy types of per- , enntals you should n, ulch over them Mrs. Folsom .itter the ground freezes This is to avoid the altering thawing and freezing that will sometimes kill the plant - Ierenmals are those plants that the gaiden die down in la winter and come up ea.h spring after year to br.ng you Hor fill yai blooms Select your perennials rare- fully for .height color and hluommg period, Mr Johnson suggests Place the tall plants to the hack of the bor der with the medium sized ones in the i enter and the dwarf varieties for e Iging With care you can have pci ennuis blooming from early spring to late fall, he finds "me placed Plant Correctly Another item to remember, Doug Johnson, said is to select perennials that will do well in the place you want them to grow. For instance, plant perennials that do well in the shade in a shady location. There arc also perennials that do best in a sunny locat'on, others that like a moist situation such as beside a pool or stream and still others that will thrive in a dry, hot area Your nurseryman will be able to recommend just the right perennials for your in drained and dig the soil to about 12 II lo inches. Early Perennials Early perennials that flower in the spring are. creeping phlox, lily of the valley, violets, doronicum, arbis, primrose, peony, anemone, aubnetia, columbine, bleeding heart, iris. Oriental poppy, trollius. For summer flowering try: Campanula, astilbe, iris, phlox, delphinium, foxglove, lupine, gaillardia, geum, platy-eododaylily, sedum, monarda, coreopsis, hibiscus, statice. Fall brings the haidy aster, chrysanthemums, Japanese anemone, gaillar-dia- , stokesia lies are so named because each flow- er blooms for just a single day How ever, they have a continuous abundance of blooms. The colors are wonderful there are reds, purples, lemons, yellows, golds, oranges, lavenders, pinks, peach, melon, rose, cherry, cream, whites and mahoganies These will bring bright color to the garden Your nurseryman will have a good selection of perennials, many of them planted in containers for setting in the garden at any time during the growing season Kearns High participated in minicourse experience. designed for student hands-on eat n more money before it s needed, said Mr Hansen Credit also is a useful tool, but don't forget that credit means spending future income now Individuals wanting credit are such as perjudged by character sonal appearance, references, credit bureau reports capacity to pay and collateral owned by the borrower, said Mr. Hansen. Some types of loans may be easier to get than others Loans to buy motorcycles, for instance, have an 11 percent failure rate; second mortf gage loans a percent failure rate But he cateful with second mutt one-hal- Submit a gage loans, said Mr Hansen. Lenders may shy away from loaning money on a home that already has a second mortgage Borrowers may fen be faced with obtaining a new larger second mortgage and additional or not getting the finance charges i - loan Kearns students said budget and credit information were helpful About half the members in the personal finance class had part-tim- e jobs, none had budgets. The nunicourse has been endorsed by the Utah State Office of Education as an educational program targeted e for 10th- - through students 12th-grad- pieturo before redding the Lifestyle Dept Room 2U1, Tribune Bldg, at least one week before day of the wedding ceremony The $8 charge for wedding photographs is to cover reproduction costs Because of the volume of photographs handled. The Tribune can assume no re sponsibility for pictures submitted T tie giedt increase in the niimbei ul weddings in our fast growing area makes it possible for The Tribune to publish only the engagement or wedding photograph, but not both , To assure publication, photogiaphs lor use with wedding announcements in The Tribune should be in the office of , Some of the perennials that do well shady location include lily of the valley, ferns. Japanese anemone, columbine. sweet woodruff, creeping Jenny and lythrum. in a Perennials can be planted in the spring or in the fall with equal success There are some exceptions. Plant Oriental poppies in August when they are dormant and peonies should be planted in for best results. An important point to remember is to keep your perennials watered with the rest of the garden until the ground freezes. Before planting, prepare the ground carefully, incorporating some humus into it such as screened compost or peat moss See that the ground is well More Colorful Combine your perennials with the annuals and the bulb flowers for even more colorful flower borders, Mr Johnson suggests. Dayhlies are versatile plants that were favorites in Grandmothers garden They will do well in flower borders, in mass plantings, near the pool or even on a dry, warm slope. Davli- - 1 "ii w ill ant a utling gal den of ennuis our expert said Thev ake excellent (lower arrangement- 5 I n vv N t V "VS jr i 2 f I holiday decorations Materials, equipment and supplies are explained, as well as sources for gathering ornamental greens, cones, nuts and seedpods To obtain a copy of "Christmas Decorations ", send $1 to the Cornell Research Distribution Center, Park. Ithaca. N Y 14850 OUR MEMBERSHIP WILL INCLUDE THE FINEST & WOMEN ACUITIES AND SERVICES FOR BOTH MEN I ? vv, ' NON-STO- P Call Today!! PLACE All) y iMtM 27G-284- 6 Mi HU ,Ml ANl . ,r v Hiu OREM HOLLADAY A in 225-7750966-13- PtVt ;n y C22 ISd MAPWIS WEST VAI J'.HI VAUFY y JUIH 4 Rl VI ammckis 38 MjlH HAVE THANKS MORRIS! 621-635- 0 484-878- 6 268-060- 6 TAX JET SERVICE TO VEGAS BEGINNING 483-646- OGDEN SUGAR HOUSE plus NOVEMBER 30. FARES NEVER BEEN LOWER! i- FASHION EACH WAY MORRIS TRAVEL ANNOUNCES ITS EXCLUSIVE ROUND TRIP ? f-- V FROM team Room Southing Scuma ..a ;n g Whirlpool Indoor Jogging Puo Nutritional Guidnnco HcoH'd Indoor Swimming Pc Modern Conditioning duipment pc Driosin.j Booths A individual uUn-'- LAS if A - Mitt M)RK (UPI) Holiday planm rs who want to make their own gilts ami decorations can get ideas and know-hofrom a booklet called ( 'hr istinas ecot ations " Published hv Cornell University's Cooperative Extension (he booklet oilers instructions and illustrations for nuking wreaths festoons, garlandtable deioiations and other cr f " 'Vtr - Booklet aids decoration ideas TKAVEZL MAIyM jv t |
