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Show nsr sprite Teachers Not Attracted By Salary Only IRA Plan Can Spell Security for Couples 8 January 7, 1982 quate remuneration. One who chooses teaching only on the basis of comparative salary is always likely to leave the profession if a better offer comes along. That teacher salary is not teachers are the public schools will be able to compete for talent with industry on the basis of salary considerations, the foundation states in a research report released this week. Wnat the schools want and must have are qualified, dedicated teachers who want to teach and who will It appears improbable and perhaps undesirable that teach if they are given adeGood classroom Few young couples start out a marriage thinking about their retirement years. There are usually rent payments or a mortgage to think about, furniture payments, planning for a family, maybe graduate from school and perhaps even a few trips to exotic places before the children arrive. These are the high earning years as well as the peak spending years and nows the time to think an about plan, says Doris Tarrant, chairperson of the Banking Advisor pro-gra- m for the American Bankers Association (ABA). With the new IRAs, every young working person can now save for a happy retirement and take advantage of generous writeoffs along the way. The new rules governing IRAs go into effect January 1, tax-shelter- ed 1982. Each wage-earne- r now save up to $2,000 can tax free or for a person with a nonworking spouse. A working couple can each save $2,000 a year and have a combined tax writeoff of $4,000. The amount contributed to their IRAs is deductible from their gross income before they figure their taxes. $2,250 Many older people are living in poverty today because they thought their company pension plans or Social Security would take care of them, says Tarrant. We all know the controversy surrounding Social Security. But I wonder how many people realize how hard it is to actually collect on company pension plans? First of all, most companies require that you be employed by them at least 10 years to be vested and eligible for some pension money. How many young people stay with the same company 10 years? Each time you change jobs, you are cutting back on your potential retirement income. And how many people get fired or laid off a year or two before they are due to retire? The fact is, many people who have worked hard all their lives retire without pension funds. This is an issue thats more crucial to women. Most women outlive their husbands, but two out of every three elderly T-SHI- Americans living in poverty are women, many of them widows who were housewives most of their adult lives, says Tarrant. not attracted and held solely by salary considerations, although adequate financial compensation is necessary to attain these objectives, according to Utah Foundation, the private, nonprofit research organization. out-ofscho- ol steadily risen. Makes non-worki- influences frequently as cited harmful to educational Utah schools, and those of the Some of the facachievement. nation, are showing growing concern with improving the tors are found in the schools! reduced quality of education provided in themselves, including solid studies; the public schools. High quality emphasis on science,' classroom teaching is a key in- (English, foreign gredient of a high quality, mathematics, educational product. Many pro- languages) in favor of easier electives ; social promo-- , fessional educators believe that when established stan- - j tions educational quality will be a dards have not actually been: major issue in the 1980s, as of equality of educational oppor- met; lowering standards and ; tunity was a major concern of requirements, and an apparent reduction in the personal the 1960s and 1970s. dedication of at least some The president of the U.S. teachers have been cited by Council for the Advancement many critics as contributing and Support of Education has causes within the schools. said that "confusion between Widespread agreement also the concept of equality of rights and that of equality of results appears to exist on what remedial measures are needed. may be at the root of many of our current problems. In Dr. David P. Gardner, president of the University of Utah similar vein, Utahs commissioner of higher education and chairman of the recently-approve- d National Commission points out that equality of on Excellence in Education educational opportunity must urges that the number of not pund us to individual difsolid subjects required in ference in attitude and achieveUtah high schools be increased ment nor serve as an excuse for from three to four per term. slackening standards of perforof education and The professor mance . . . Strong emphasis on at Vanderbilt public policy minimum competencies University asserts that "at presents the danger of every educational level there minimums becoming norms. must be a prescribed body of Evidence of declining quality knowledge and a set of skills to in public school education is be mastered in order to earn found in the steady drop in credit; and that these r4; achievement test scores in the quirements should be prescribed by professional educators past decade, the Foundation notes. Scores in the American and not by popular demand of students. College Testing (ACT) promoved No obstacles shold be placgram steadily downward through the 1970s, ed in the way of any student although there is some because of such things as race, evidence that the decline may religion, and national origin; have been halted. The decline sex, or economic or social has been most notable in the background nor should any area of mathematics, both in standard be lowered or requireUtah and on the national level. ment waived because of these Lower test scores have been or any other factors, the Founreflected in lower levels of dation notes. Hospitals? Cents the couples discretion and BY VI JUDGE credited to each spouses porFor years the medical tion of the account, with no profession was unable to itself. Then Dear Readers: plastic and for removing more than $2,000 per year of the police Have you ever had to gum, especially from contribution credited to either Congress set up a system has shown real deal with termites? A hair. You have to be one of the couple. No matter that promise of working. And family of those voracious careful on fabric as it what happens to the marriage, now according to a pests got into one of our affects the color of some the amount in the report in the January rocking chairs. We could things. It dries fast, so do tell by the little pile of a small area at a time. spouses account plus interest Readers Digest Would you please tell us medicine itself that sawdust to the organized kept belongs is trying to kill it. The showing up on the floor. where to write to you? Who is the usually spouse, non-worki- non-worki- Reagan Administration appears willing to help. woman. If a working couple each open Profesisonal Standards an IRA, the money and interest Review Organizations, earned belongs solely to the established by Congress person in whose name the ac- in the 1970s, are policing count was opened. A married groups orginally set up to review Medicaid and person can be certain his or her Medicare programs. spouse is provided for by PSROs are not run by stating in a will that the IRA of organized medicine but the deceased belongs to the living spouse.This is especially important for women who choose to be homemakers. by volunteer physicians. So far they are well Im just guessing as to We sprayed the underside 5 where I should send this. Helen Scofe, Ashton, Iuaho The deodorant did a good job on the ballpoint ink. I also tried it with permanent marking ink and it worked. It removed the printing on some plastic bottles, but not on others. It also removed the gummed adhesive that remains on after a label is removed on one product, but not on another. So, I guess you have to experiment a little to see if it will work. At any rate, its a good thing to know about. As to where to write, Helen, and all of you. Just address your letter to the newspaper where you read IT MAKES CENTS. It will be forwarded to me. And thanks to all you who write. Your letters and good ideas make this column. Dear Vi: Every year I buy a wide cloth calendar to hide the fuse box in my kitchen. At the end of the year I use this for a dishtowel and buy another. The wooden sticks make good braces for house plants. Margaret Foyer I once saw a quilt made of these linen calendars. It was most interesting. of the chair seat, especially a spot of bare wood in a corner behind the leg. No sawdust for a couple of days, then there it was again. This happened several times until we finally got smart enough to reason that the dust couldnt have fallen from the not unless suspect spot it defied the law of gravity. But where was it coming from? have and staffed adequate budgets, and so far they are extremely Finally, after much Young working couples can cost effective as well as searching we discovered imin four pin holes in the side actually end up with $1 million instrumental medical care. of the chair seat. They jointly if they each save $2,000 a proving were so tiny you could 30 said Tarrant. for years, year The New York County barely insert a pin, but Assuming 12 percent interest unit, with a budget of $2.5 could move and that the money is con- million and strong staff once in, allyouaround where the pin tributed in a lump sum at the support, has cut billings those voracious pests had beginning of each year, it could to the government by $6 tunneled. add up to $540,585 each or a million annually. In one Now, how to get poison combined total of $1,081,170. instance it closed down a into those tiny holes You will have to talk to your hospital, based on in- without cutting away the an wood and making an ugly banker about available interest vestigations following increasing number of scar. A hypodermic rates. needle! Why of course. We two inserted The following sample chart is syringes full of poision provided by the Amercian Yet professional into those tunnels. That Bankers Association to help medical societies and was three weeks ago. No peer-reviemore sdwdust. you see how your IRA dollars hosital So, if you see tell-tal- e can accumulate. The chart is boards often claim they can police themselves piles of dust anywhere based on a simple interest rate without outside help. inside or out of your of 12 percent compounded an- Unfortunately, there are house, find the pinholes, nually with your contributions few statistics to support get a hypodermic needle made on January 1 of each their view. and go to work imyear. Take this chart to your mediately., This could Dr. Kenenth Kaplan, a save you much damage community bank and find out who is a and because one how painless it can be to start cardiologist expense, volunteer for the Wes- little of these million-dolla- r family now for saving your tchester County, N.Y., can beasties before PSRO, sums up the view sneaky into retirement a great, multiply your hair starts turning grey of many. The old system underground, and your thoughts turn from didnt work and couldnt army. the corporate ladder or this work, he says. The With love, Vi the are harvest to warm PSROs professions last chance Dear Vi: climates, fun and relaxation. to prove that it can police Regarding the cleaning itself. If we cant make of old doll faces and them work, the only bodies, spray deodorant logical conclusion the removes ballpoint ink public can draw is that we without scrubbing them dont want them to too hard. I also use it for work. removing labels from bad-medici- w High Interest Rates No Markup 1 wood-devouri- Sell Them No Snow "... MR. PEARSON SAYS years at Dealer Billing-Cost- " WEATHER MASTER RADIAL WW SHOP RT - Salina - BUT. StU.THADt 01 ACftT iffina THROUGH ' 1 fll THt All 'f 1978 Ford Longmont Mobile Must sell home, Appliances, 3 Fairmont, 2 door, a.c., bedroom, IV2 bath. See at power steering, excellent siies available, call for your size and price WEAHTER MASTER 4PLY Deep Bits Triad, WW 1973 Clearance! MflHITY 290 S. 100 W., Venice or best offer $8,000 condition. Call 037) 896-556- 2. 896-438- 7. d (33) j Pontiac 2 bdrm. mobile home with tip-oliving room. See and ft E ar-- SIZE r ut LADIES make TOPS offer 676-825- 8 Panguitch. (33) plpd PASSENGER RECARS G78-14w- WINTER A HIGHWA 79 Dodge V4 ton shortbed 6 cyl. eng., 4 spd, 1)30 mmmmm m m mm mm BIKE BAGS (Reg. 7.97) cash $12,000. Elsinore New Addition. Call 5 or (33) 527-418- 3 at for 527-33- l-- 1 (38) 45tfc for all sizes available, call for your size and price. Chev V4 GEH03S SHOCKS Forced to Sell SAL 1956 ton 4x4, 327 V8, Battery $2,000.00. Will accept reasonable offer. Call Owen Fox, asking (38) 52, Prices in Town Nice and dean mopiie 79 Ford home courts. Has some FOR SALE V-short wheel base 4x4, spaces avail. FHA aplow Auto, mileage, close to schools, proved, chrome wheels and roll shopping and church. 9 after 6 p.m. Please call (34) bar. 29 (xchango PrSMKl Free Installation Coupon 53, 1 wsrnm Best Excellent condition, 8. Casin9 Exchange $26.88 K. FREE Superior Traction Feet, Easy Inetallatton Smoother, Quieter Rida Fits limited e nui INSTALLATION' We have motorcycle 8, Praaant Coupon" 896-550- SWEAT SHIRTS 33 " Sale Begins Friday, 8, Continues Sat., 9, Mon., 11 and Tues., 12 4 DAYS ONLY! 23tfc (38) All electric, 2 bdrm, furnished trailer at BAN Trailer Court. $200 per 8 nr mo. O" Datsun pickup with camper boot and step bumper amfm radio. Good condition $3,500.00. Call (38) lpd "requirements 629-721- 529-775- bdrm. trailer with oil heat at BAN Trailer court. $100 per mo. Call 2 529-721- 6 slpd or 529-775- 2 (34) atsnMeMnfl tothing. LAKI SALT L 319$ So. Main 487-- 1 797' MUKKAY 4100 Slat 262-847- 3 Su. IKHFIILD 640 So. Main 896-549- 4 PROVO 26$ So. 1itW 373-324- 6 $Af5 20 Am OFF OUR DOTTED WARRANTY Studs $9.95 pur tire Mounting availablu Dnc3i Wflhoul advertWng, ALL SIZES IN STOCK Free replacement tor road hazard (no pro-ratFret rtplaco for delects (ns pro-rat30 A 40,000 radial mar uarantee Free flat repairs Fret now valves Free rotation Free Ask for Details bank interest rate 6 and 12 month terms. Low 896-697- (34) 51pd - DANK FINANCING 1977 , tender clearance Meets SAE classification batteries 529-755- TODDLERS 40.88 w All HH! PS, 527-330- bdrm. mobile home sale on 2 lots with valued hookups, $17,000.00. Will sell 2 36.88 38.88 F78-14w- w HIGHWAY deluxe interior, low mileage, great econ., Bridgestone tires. PRICE E78-14w- w 10x55 t There appears to be a wide area of agreement among professional educators and the American public on at least the determining factor in some of the causes of reduced educational quality has been educational performance. The shown in recent years when stu- permissive attitudes of society, the widespread use of alcohol dent achievement has declined and drugs by American young while average teacher salaries ' people, and the distracting in- for inflation have adjusted fluence of television are It Act Cleanup The new IRAs can change all that. A couple which includes a For Doctors, spouse can save up to $2,250 per year in a spousal IRA, tax free. Each year, the contribution to the Can doctors and hospitals spousal account is divided at clean up their acts? achievement when high school I graduates enter college. st. oeoaoi 204 N. Bluff F.I.T. uavir 43 N. Main 65c-$5.- um imithimid 5141. St. 43$ Sa. 14. 768-358- 7 Main 563-611- 6 1 SANTAQUtN 10 Sou h 4ih Lav 04 oim $49 N Stata 225-118- 6 oim 1597 W. 2244372 IPMUUM 36$ N. 283-41- |