Show 10 Gunnison Valley News Wait Seven Strategies for Saving Instead eraging around $2400 By Dave Lambertsen of spending your refund use it State Farmt) agent Are you doing your best to wisely by paying down debt save for your future? It can be funding an individual retirement account or saving it for challenging to begin a sav- very future financial goals After necessities ings program 2 Take full advantage of your such as food clothing and housretirement contrito left employer's little there be can put ing butions aside for future goals Your employer may match a Unfortunately failing to save could mean the difference be- percentage of the contributions tween enjoying a comfortable you make to your retirement retirement and giving up some savings plan It's a gixxl idea to basic needs Often it is a matter do what it takes to get the matching limit It's free money that can of making the decision to begin bottom line dursaving now in order to buy a really help your ing retirement new home or car later The goals 3 Start small and stay steady to are set you you important The first word is the most imMaking changes to prepare for those goals can make a differ- portant - Start You should beence Tor that reason State gin as early as possible to get the most out of your savings plan Farm(r) has taken a look at various ways to get a person's sav- Thanks to the power of compounding investing another $30 ings plan on track plan We've come up with seven a month in a for 30 years will add nearly strategies that you can use to$75000 to your account assumday: 1 Don't ing an 8 percent average annual with your splurge refund Neatly 40 million tax receive a refund return 4 Pay yourself first Think of your savings Americans each year av or in- - & Off! Saturday Only! Off Handbags 30 purchaseepte m Pearls Apparel 32 E Main Salina Kenzy (3EE3G9IEI5 goals while concentrating on one thing Whether it’s a home car or child's education it is important to give appropriate attention to each 6 If you have children find the right education plan You have a number of choices when it comes to saving for a child's education Finding the one that makes sense for your situation takes planning and information This takes us to the seventh and know and trust Everyone's needs and goals are unique Just as you go through many changes during your lifetime your financial goals may change You should work with a professional who not only knows about various plans and strategies but knows you and will stay with you through the long haul Most people feel the best guidance Weekly Special! Friday ing but other goals or events need as much or more preparation Don’t shortchange other quite possibly the most important point Work with someone you 7 Kenzy Pearls Boyds Bears 12 vestments as a bill you must pay on a regular basis much the same as a car or mortgage payment Be disciplined and make the payments according to a set For better results esschedule tablish an automatic monthly deduction from your paycheck or checking account to fund an investment or savings account 5 Create separate pots of savings for upcoming life stages Retirement may be an important goal for which to begin sav- they receive comes from a financial professional they know and trust In the end it all boils down to making a plan getting started and staying the course When you make the decision to finally start contact a financial professional who knows you and un- derstands your needs The Gunnison Valley News $ Satina Sun great someone you love! The regular SUBSCRIPTION I I Clouds block as little as 20 percent of the harmful tion Third reflections UV radiafrom the i t 1 l 4 I A A t 4 4 4 4 4 4 4 4 4 4 4 I t 4 4 4 4 4 4 4 A 4 4 4 3 Area young farmers and ranchers take home cash prizes in Farm Bureau leadership contest Local young farmers and ranchers fared well in leadership competitions held at the Utah Farm Bureau Federation state convention in Salt Lake City in November The annual meeting attracted more than 500 farm and ranch families from across the state who met to examine pending agriculture issues and discuss and adopt the organization's governing policies for 2004 In addition to policy development the convention also featured leadership competitions for young farmers and ranchers between 18 - and Utah Farm Bureau operates the Young Farmers and Ranch- and Award honor awarded to Farm Bureau's young farmers and ranchers Each year young farmers and ranchers are invited to fill out an extensive application detailing their operation and leadership experience This year out of a pool of eight candidates Ron and Andrea Gibson their own com and alfalfa and they water their herd from a natural spring system that Ron and his father engineered They have four children and Ron was elected to serve a term as chairman of the State Farm Bureau YF&R Committee during the convention Andrea will serve as a member of the committee The Gibsons took home a $500 cash award from Dodge 20 tl 4 4 4 4 3 the first Runner-uHarris took a $500 cash award from and a Polaris ATV from Intermountain Farmers Association She will compete at the na- 4 4 home Dodge tional competition in Hawaii next year The Discussion was by Farmers Association Polaris Farm Bureau Insurance and the Utah Farm Bureau Federation The 2003 Young Farmer and and ATV from Utah Polaris dealRancher Excellence in Agriculers a $500 gift certificate from ture Award Syngenta Crop Protection SerFinally the YF&R Excellence vices and an ATV insurance in Agriculture Award program policy from Farm Bureau Insurance for winning the prestigious attracted a pool of eight particiaward The Gibson family will pants The award program was last year to recogcompete on the national level at implemented the American Farm Bureau Con- nize young farmers and ranchvention in Hawaii in January ers involved in an agricultural Thomas and Melanie Blackham operation or employed in the business sector Canturkey producers in Moroni and agriculture didates were evaluated on their Ken and Sonya Spackman cattle ranchers in Park Valley were involvement in agriculture refirst and second runners-uleadership ability and involvement and participation in Farm spectively Bureau and other organizations The 2003 Young Farmer and Rancher Discussion Meet Ryan and Melanie Christensen from New Castle were named Contest The YF&R Discussion Meet the winners of this year's conattracted a pool of test The Christensens have four competition children Ryan takes care of 600 more that 40 qualified particiheifers a farm and does pants from across Utah The dairy maintenance work Melanie said competition evaluated the leaders' ability to factually and ar- she is usually found in their nine full of hydroponic ticulately discuss a wide range greenhouses tomatoes The Christensens took of current agricultural issues home a $500 cash award from After two rounds judges narrowed the competition down to Dodge Truck Division a Polaris four finalists who competed in ATV by Zions the final competition: Jamison Bank Ag Group and Farm BuMcPherson of Juab County reau and an insurance policy on Brian Bailey of Weber County the ATV from Farm Bureau InNancy Harris of Sevier County surance They will also particiand Ken Spackman of Box Elder pate in January's national comCounty Nancy Harris a turf petition in Hawaii Jamison and from Stacy McPherson of Juab producer and homemaker Richfield was named the winCounty and Aaron and Danyel ner Ken Spackman a cattle Abbott from Duchesne County rancher from Park Valley was were named first and second early Meet 4 4 4 4 4 n 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 I 4 respectively Santa price! Says: 1 Name i Address Town UT Zip i I to pack up the Sun screen year The sun is in the sky 365 days per year and The Utah Cancer Action Network reminds Utahns that it's important to protect their skin even during the autumn and winter months Utahns are particularly at risk for damaging sun exposure because ultraviolet radiation increases four to five percent with every 1000 feet above sea level There are many reasons why it's important to protect skin from sun damage during the winter First just because it isn't hot outside doesn't mean the sun can't damage your skin It's possible to get a powerful dose of ultraviolet radiation even when it's cold Second it's possible to get sunburned through clouds and haze of Ogden were named the recipients of the 2003 YF&R Achievement Award The Gibson's and operate a fifth generation dairy in Weber County They raise all of J J should be applied to the face lips ears neck hands and scalp if hair is thinning This winter a new CAN skin snow can more than double the cancer TV message features as a danger from the sun's harmful "Sun Guy" a man dressed UV rays huge sun He reminds parents to their Finally both snow and strong protect themselves and wind reduce the effectiveness of children from its harmful rays For more information about sunscreen Thalia A Swinger RJM Der- CAN's skin cancer awareness wwwuranee or matology Research Center cau- campaign visit call the health resource line at tions "When you're outside enwonderful Utah the joying Here are some sun safety tips weather remember to protect to keep in mind while out and your skin because snow increases reflective radiation In about this winter: Avoid unnecessary expofact snow is every bit as reflective as water and reflective sur- sure especially during the sun's faces can bounce back as much peak hours 10 am to 4 pm Take breaks from the sun in as 90 percent of the sun's rays" According to Janet Heinz shaded areas and remember CAN spokesperson at the Utah that sunlight can bounce off reflective surfaces like snow and Department of Health although our bodies are less exposed to reach you even beneath a tree Reapply sun screen at least sunlight during the winter there are still many exposed areas that every tow hours because sweatare likely to get sunburned ing can remove sun screen In ice and snow protect while skiing and participating in other winter sports Sun screen yourself by wearing a hat sun screen lip balm and sunglasses runners-u- gift for yourself or j sign for the The Achievement Award program is designed to recognize young couples who are active leaders in a production agriculture operation It is the highest So We Are taking i is not a The 2003 Young Farmer IN THE NEXT make a The first snowfall Rancher Achievement 0 2003 CAN says Cold Weather Months Still Pose Risk ership competitions SUBSCRIBERS 3 - Don’t put that sun screen away! ers (YF&R) Program - a fully- - integrated program established to involve young producers starting out in the agriculture industry Young farmers are invited to join in Farm Bureau conferences congressional relations events in Utah and Washington DC and participate in a variety of lead- Want to add It would December Salina Sun i i Enclosed is my $12 for my subscription Salina Sun Gunnison Valley News to the: Mail to: SunNews ( HL 21 I Shop at HomehaveFirst!to Your local businessowners given support the local schools recreation groups ana more! But they can't do it without you shopping thier stores! h POOR ( |