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Show Soil Stewardship Week is May 16-2- 3 FHA Loans Still Being Credit Depend On Many Factors Made In Local Offices Credit costs depend on amount to borrow, you can offer, the cost of security your character, your number of payments and the lower and your due date. capital credit. capability to repay, the Under the revolving money market, and other plan, a top limit is agreed upon but purchaces are added as they are made and finance charges are figured on the unpaid balance each month. of Common forms economic factors. Skill in shopping for money lies in understanding your needs and wants. Balance needs in on annual percentage rates when looking to cut your cost of credit. Shop for the lowest annual percentage rate. Key the telephone and across the desk, ask the revolving charge are lender specifically for the credit cards from stores annual percentage and companies and bank Some might make rate. credit cards. loan rates sound lower and wants against the cost and risks involved in having things now and paying later, state Utah State University Extension Services officials. What you pay for credit depends on the type of plan chosen and where you arrange for it. Also affecting costs is the kind of security the dealer from requires you. Generally the more Two choices most frequently used in credit shopping are closed-en- d and revolving charge plans. A closed-en- d plan refers to your agreement in advance on the specific There Will Be Fruit, Says Farm Officer Despite severe damage to Utahs fruit crop from fruit every farmer said year,-- ' On between date of purchase Fifty legitimate loan and due date. 3) Some are have a way of figuring the applications before presently pending so that finance charge Home their credit costs you less the Farmers Office in Administration than others. Richfield. Take advantage of your credit worthiness. The image a lender has of you as a credit risk determines what you pay for credit to a considerable degree. Have you met past payments? Are you honest? Reliable? Willing to pay? Able to pay? What is your financial future? Clyde Hemmert, district director in Richfield, said processing on many has slowed some due to budget cutbacks. However, peoples chances of getting a loan are pretty good, but he recommends people put by their applications in and quoting some other rate. we will go from there. When considering a Interest rates will have to come down, he adds, revolving credit plan, to is It important notice how much you are for middle income people establish some form of to paying each month by afford homes. credit rating. If youve a typical totalling Hopefully, enough never used credit before, months finance charge pressure in the right and multiplying by 12 for you might arrange a places will see something small bank a loan at and the yearly cost. Is the done. Initially, he feels if off. it Likewise, pay credit worth it? rates will hold, youve been refused present but he is unsure on a long it is credit When comparing plans, your right term basis. these factors may help under the Fair Credit you to decide: 1) Some reporting Act of 1971 to Presently, water and require an initial or an- learn from the reporting waste disposal and nual fee. 2) Some allow agency what is in your community facility loans mwe time than others file, at little or no cost. run 12.375 percent. Some -- The Sevier County Soil District will Conservation Hemmert oversees grant money can be worked into community FHA loans in an 11 join the nationwide Soil of facility loans, but FHA county area, with the celebration Week May Stewardship feels the community district office handling The theme of this should pay back all it the asssociation type and celebration is A can. That payback is rural rental housing years determined using median loans. The county offices Time for Tenacity. income of communities handle single housing and Informative material from the 1980 census. farmer type loans. on the Soil Stewardship Home loans run 13.25 FHA loans are made to Week theme each year is a percent; subsidy is people who usually cant distributed through local to involved get loans from any other conservation districts usually depending on the partys agency. Hemmert says clergymen, lay leaders, and median income. when a loan is made, churches, civic educational oganizations is credit given Others include farmer supervised and as soon as they can and to individuals paroperating loans at 14.25 to other credit ticipating in the obpercent and 11.25 percent graduate servance. weaned are sources, they on farmer limited off FHA loans. resource loans. The With the growth of farmer limited resource The reason is simple. population and the world loans stay in effect until Since its taxpayer demand for food and with the farmer can pay at and learning the sooner they the money, other interest rates. most of on can get private development for suitable Farmer ownership, soil sources, the less money land and water and rural taxpayer has to dish out. cultivation, we must turn our attention to the task rental housing loans run FHA also cooperates of saving every acre, 13.25 percent. Farm labor withother lending according to NACD. The housing association loans for grazing, irrigation, sources when a borrower deam of adequate supand drainage as well as such as a municipality plies of food and shelter emergency loans are also needs huge sums for a must cover a period that extends far into the future large project. v a i 1 a b 1 e . 16-2- 3. - because this is the only world we have and the total heritage of our descendants. This is A Time for Tenacity in our faith, in in concept, in the in cooperation, political area, in experiments and research, in leadership, priorities, and in total cites the commitment, National Association of Districts Conservation (NACD) in the Soil Stewardship Week booklet. Forward for the publication was written by President Ronald Reagan. NACD has sponsored Soil Stewardship Week since 1955, in cooperation with the nations nearly 3,000 soil and water conservation districts. in Without advertising, a terrible thing m happens. Nothing. the recent frost and earlier winterkill, there will be a supply of fresh fruit for consumers in Utahs fruit stands this year, according to Bill Ferguson, Santaquin, and fruit producer chairman of Utah Farm Bureaus fruit crops committee. The only thing worse than the recent frost damage would be for our customers to get the false Stretch Your Budget and Serve Your Family the Finest Famous Brands? impression that there wont be any fruit, or that it will be too expensive to buy, and then cancel their plans for home canning, Ferguson said. He said he had concluded, after talking to growers and extension service 'specialists, that the damage in some areas of the state may not be quite as bad as some reports indicated earlier in the week, although a number of suffered SafroMty Snood Safiweuf Snattd itfln)Gtnn) vmsi growers Facial Scotch Buy Brand 1600 Count White, Yellow or Pink disastrous losses. "Paper Tissue Apricots were hit g hard, as were many peach and sweet Towels Truly Fine Earthtones low-lyin- Cl cherry orchards. But many growers will still have a good supply of the major canning fruits and we expect to market an excellent quality crop again this year," the $ 125 Ct. 200 Ct. Utah county grower said. Hot Dog Buns 16.69 or Hamburger Mrs. Wright's Set. pkg. actually did much of the to Rolls L Boxes Case of 24 Ferguson said winterkill earlier in the year damage Solway Snattd CQt ' Paper Napkins peaches. &" Town House Even so, we do expect to have some peaches from part of the state to sell this fall, he added. Kraft Mayonnaise The Farm Bureau leader said that $ large some apple varieties. Uniced 1.52 a 9 Spinach Fine Quality Luncheon Meat 1501 cans og .,1.29 Mashed Cottage Cheese Angel Food Cakes Utah has actually increased its production of many fruit crops in recent years, particularly canning cherries and 3i.rl Potatoes He said it was just too early to make any accurate assessment of the losses growers will face as a result of the recent freeze damage. That fomh Sole Fresh, Large Size kind of a figure will only be availble at the end of the season. Clearly, however, fruit production is an important part of Utahs economy and fruit growers are improving n the quality of s Scotch Buy Brand Utah-grow- Top Sirloin Our I I I I I I I Classifieds I CAN I HELP I YOU SELL IT! 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