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Show pxgi A6 Tl mm, A1a 27, 1 99; ' Du is Col'ty Cupper Financial advisors offer a few tips for newlyweds Summer maiks ihe ol the yeat lor weddings, limes t Forty-hut- r percent ol couples statewide tie the knot between June and September But. in all the excitement surrounding planning Kir a wedding, frequently couples neglect to plan realize that most goals depend on lor alter the ceremony. As couples think about their hopes and dreams lor the tuiuie. it is essential to sound financial planning and strong monex American management hxpress I inancial Adxisois has a lew tips lor newlyweds to help them take charge ol linances and realize a blight lutuic It's quite Agree on pnorities common tor spenders to marry saxeis. This doesn't haxe to be a problem; dillenng perspectixes on hie can complement each other. But to aclnexe financial goals, such as buying a house, couples will need to set spending and saxing priorities together. These decisions should be made as early as possible in e to ax old conflicts later on. Manx (let the right accounts newlywed. wonder whether its smaller to haxe joint or separate checking and sax mgs accounts. A joint account will probable make Hacking and pacing household bills easier. On the other hand, separate mar-nag- accounts max be better if each spouse brings very different amounts of assets or debts into the marriage. Some couples haxe a joint account for pacing regular bills and maintain smaller mdixidual accounts for spending. Keep each other informed Generali) it makes sense lor one spouse to balance the checkbook and pax the bills I low ex er. keeping each other informed about expenses is xital. Consider setting aside time possibly twice a month to go oxer finances. It doesn't haxe to be a big production; couples can make it lun by hax mg dinner. placing music, etc. Just make-sura date is set and kept. Build an emergence fund Hold off buxing furniture or a new car until an emergence fund containing at least three to six months' worth of lixing expenses has been created. The best wax to build an emergence fund it to authorize the bank to automatically moxe a designated amount of monex each month from a checking account into something like a money market account that yields more than a standard account. Start tnxesting After an emer e sax-m- gency kind has been established, start saxing and tnxesting for the long-tergoals a house, a college tund for childten and exen retirement The easiest way to start inxestmg is to become inxolxed in the 40ltk) or other tax deterred plan ottered at a workplace. This money will grow until it is withdrawn, usually at tetiremeiu. when a person is generally in a lower tax bracket Once that piogtam is in place, other mxestmenis sikh as stocks win be rex lexxed As marriage Stay our of debt begins, couples should do to ax oid the "debt trap" that has caught so many Americans. A primary cause of escalating debt is credit catds Getting into the habit ol paying mote than the minimum amount due each month can help lower Inline finance charges and pax ott the balance MH'nei Couples need to be wary ot building a lifestyle out ol a "house ol cards " The more credit cards a couple has. the greater the potential lor debt It l', howexer. a goixJ idea tor each spouse to h.txe one credit caid in his her own name to maintain mdixidual credit ratings Couples may hnd that a totally held card can be tiseiul tor l.rge purchases exerx-tlim- Fisher receives award for his research on medical isotopes Darrell a fisher. former Bountiful man whose work has saxed scores of Itxes. recently y receixed the Lngineer of the Year award in the Northwest. Fisher, an engineer lor Pacific Northwest National Laboratory was honored for his pioneering work medical isotopes, lusher is Ihe son ot Wayne and Zina Fisher of Bountiful. lie has been a leader ot a team dexelopmg new techniques that haxe saxed lixes of those once thought incurably ill lmm such diseases as leukemia and lymphatic cancer. "lie's devoted himself to developing and designing molecular systems. just as an engineer designs a bridge or an airplane," said Bob Schemer, deputy manager of the Hansford Isotope Program. Fisher's name is known around the world for the quality and vision of his work, said Alan Waltar. director of international programs of Advanced Nuclear and Medical Systems. "He not only is a first-rat- e sciene tist. hut also a communicator. He has tremendous credibility." Waltar said. Fisher's work with medical isotopes has helped create a technique Tri-Cit- first-rat- that aims radiation directly at cer cells. patients," Schemer added. The promise of saving lives from other torms of cancer is enor- - eflectixe and honest way of dealing with our customers," said Duff of Willey Willey, President Automotive Group. By doing research and comparative shopping for the consumer, we feel we can offer them a fair and honest price without the negotiation, intimidation and manipulation often associated with this industry Over the past few months, Willey has been conducting extensive research and visited many of the industry's "Best Practice" dealerships across the nation to determine the culture which he felt would best fit his own individual values and coincide with the needs of his customers. We have listened to our customers needs, frustrations and concerns for many years which has spurred us to make major changes," said Willey. Buying a car is one of the biggest decisions a person will make and we want this to be an easy and enjoyable experience for our . H3995 Single Seat 5 hp Available at Pauls S ales & Service 133 N. Hwy 89 North Salt Lake 295-044- 4 Seller and buyer must agree on what improvements means I During the past couple of months have had two real estate transac DARRELL FISHER mous. We're dealing with 1.7 million new cancer cases ex cry year." Fisher's drive arises from more than curiosity and professionalism. When he was II. he had a bone tumor removed from his leg. It was benign. Four years ago. Fisher's mentor University of Utah researcher Charles May died Irotn toxic shock when taking chemotherapy for lymphoma. customers." To laminate the transition, Willeys is working w ith The Rikess Group of California, the nation's e leader in consulting. Willey Automobile Group is a dealership which has been serving the needs of the Salt Lake Community since 1949. Willey Ford is located at 1800 South Main in Bountiful and Willey Honda is located at 2215 South 500 West in Bountiful. For further information. please call (801 ) one-pric- 322-247- moving-- Federal agencies Perhaps you've seen the advertisements in the classified section of the newspapers advertising job vacancies with the U.S. Government or U.S. Postal Service. Scam artists behind these ads offer for a fee, to help job seekers find and apply for federal jobs. Some companies try to confuse consumers by using names that sound like government agencies, such as "U.S. for Career Agency Advancement," or the Postal Employment Service." Consumers should know that information about federal job vacancies are available free from the federal government. Federal agencies and the U. S. Postal Service never charge application fees, sell study guides for job tests, or guarantee that an applicant will be hired. If positions require a competitive examination, and many do not, the federal agencies do the hiring usually offer free sample questions to applicants who sign up for the exam. To help you recognize federal job scams, the Better Business Bureau, along with the Federal Trade Commission, suggest you be aware of Hah Say taj Swok Dam WHAT ABOUT THE BOB? While the bob may feature hair cut in a straight line from the nape to the chin, it is a mistake to think that the hair is ail of one length in order for the ends to loo exactly the same, the hair on the crown has to be a good deal longer than the hair at the nape. I or added movement, a layer cut can be combined with a bob. Using the bob shape as an outline, interior sections are cut in long and short alternating layers balance to the next to achieve just the nght effect. In light of the careful consideration that the stylist gives to this haircut, a woman should not take it upon herself to decide to snip bits of hair. This could destroy the balance of the entire cut. The bob is certainly a timeless classic. Because of the many styling options available. it is also very versatile. Here at HAIR TECHMCA. we take the art of styling hair very seriously our friendly and knowledge (a) the Property shall be broom-clea- n and free of debris and personal belonging. Any seller or tenant damage to the Property shall be repaired at Seller's expense; (b) the heating, cooling, electrical, plumbing and sprinkler systems and fixtures, and the appliances and fireplaces will be in working order and fit for their intended purposes; (c) the roof and foundation shall be free of leaks known to Seller; (d) any private well or septic tank serving the Property shall have applicable permits, and shall be in working order and fit for its intended purpose; and (e) the Property and improvements, including the landscaping, will be in the same general condition as they were on the date of acceptance. This time of year we have purchases that were completed before the secondary water was turned on related tions where the condition of the property when the buyer takes possession has become an issue. To help clarify this for anyone who might be considering selling their home, let's review Section 10.2 of the Real Estate Purchase Contract or REPC. It states: 10.2 Condition of Property. Seller w arrants that the Property will be in the following condition on the date seller delivers physical possession to buver: Willey to offer One Fair Price' program BOUNTIFUL. Willey Automotive Group of Bountiful, which consists of Willey Ford and Willey Honda, will cvolutionie the buying process by being the first dealer in the Salt Lake Valley to offer a true One Fair Price program. The program which went into effect on May 10 will provide consumers with the highest degree of service and satisfaction by removing the negotiation process from the buying experience by ottering one lair and final price on every vehicle in the lot. Customers will be able to walk up to a vehicle of their choice and know within fixe minutes the actual price and pay ment on the automobile of their choice. F.mployees will no longer work on a commission basis, but will receive a set salary which will allow them to focus their energy on becoming product experts and satisfying their customers needs. We believe this to be the most TWO HONORED FOR WORK: Gordon Evans and Neil Jones of the Syndervilie Basin Sewer Improvement District, in Park City, were recently honored at the 1997 Annual Convention of the Water Environment Association of Utah Evans, treatment operator II at the District's East Canyon Wastewater treatment plant was recognized as the Outstanding Operator of the Year Jones, district treatment superintendent, was inducted into the WEAU's honorary society for making contributions to the association and to the improvement of the Utah water environment Jones is a resident of Woods Cross can- Traditional radiation therapy uses a scatter-gu- n approach. Radiation is focused on the general area ot a cancer growth, harming the malignant cells but also kills healthy cells around a tumor. Such exposure to healthy tissue limits the amount of radiation that can be delivered to the cancer. Fisher's research relies on molecules to deliver the dose directly to the tumor. Scientists marry radioactive isotopes with enzymes created in laboratories to be attracted to specific types of cancer cells. These smart bullets are injected into a patient and seek out and latch onto cancerous cells. Smart bullets concentrate vastly more radiation on a cancerous cell, while the technique keeps exposure-loto healthy cells. The new medical isotope technique is still in clinical research stages, but when tried on those with no hope of life, it works, often saving about 90 percent of those in the studies. Schemer said. "Darrell's work with smart bullets has saxed lives of leukemia and lymphoma g able stylists will be happy to answer any questions you may have about styling your hair in the popular bob. We can also help you choose the right products to help you style your hair. We use and recommend Matrix products, and have a great selection of shampoos, conditioners, and styling products which can help you keep your hair looking shiny Please call us today to schedule an appointment or to learn more about the beauty services we can provide for you at 292-157- 8 We are conveniently located at 273 West 500 South, We are open HIST: 6 AM to 8 PM. a classic style that dates hai k to the ani lent 7 qxptians I he boh Charlene Tuttle is a real estate agent with Caldwell Banker Premier Realty, Bountiful, Utah dont charge job fees the following types of ads or techniques used by scam artists. Ads that offer information about hidden or unadvertised federal jobs. e Ads that refer to a phone number. Often in these cases, an operator encourages you to buy a valuable booklet containing job listings, practice test questions, and tips for entrance exams. Classified ads or oral sales pitches that imply an affiliation with the federal government, guarantee high test scores or jobs, or state that no experience is necessary." e numbers that direct you toll-fre- Toll-fre- so the new owners are finding sprinkler systems that are not working. According to this section of the REPC, the repairs should be made by the seller. Also, if you sell your home during the summer months, you are still responsible to make sure your fireplace is in working condition and fit for its intended purpose. This may not become apparent until the first cool weather next fall. In paragraph (e) the word improvements" means the home or building on the Property. Many sellers believe improvements means any additions they may have added. As with any other section of the REPC, changes can be made if both parties agree. But it must be put in writing on an Addendum and both parties must sign it. to other numbers for more information. Under federal law, any solicitations for numbers must contain full disclosures about cost. Also the solicitation must make clear if there is an affiliation with the federal government. You must have a chance to hang up before you incur any charges. If you have questions about a company's advertisement for employment services, contact your Better Business Bureau, the Federal Trade the U.S. Postal Commission, Inspection Service or your state attorney general. ll |