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Show .! wy.'.W.WV.w gi . I4W WW .'W.'W I Sun Advocate Price, Utah ILpsclay June 18, 2002 SA. Website for those who hate financial planning 'Thanks to a sagging U.S. economy, hiundreds of thou-- . sands of Americans have landed 3; on the unemployment line in the past year. If acitaen has not been laid off or knows of someone who then theyre in the minority, jj has,Even during a slow economic ,3 xcoveiy, people are finding now obs, and many are inspired to witch careers as well. If in the nidst of such a change, one will teed to do more than manage heir new career, they will need o manage a new set of financial lecisionsaswell. v. .0 4- - i j 5-- j jiI A new website has been ormed and can be located at vwwJhatefinandaanningxom. rhesite was created for the three jut of four Americans who ad--'j sit they hate financial planning. Ihere are over 40 topics devoted to all sorts of personal finance issues, including changing jobs, dealing with layoffs and em-- fr-r- r iTrrrrxJsi . , . T Jaai mt mm pM. M . Consider the benefits offered by prospective employers whenever changing jobs, no matter what the cause of the job search. About 27 percent of the ' total compensation is derived I HATS ManiaikiMMn (AamliMi oakiimwT :v iMkaHHkiw f SaMp-MaTT- IS (Ml V 'M A I 4 .. Jo & The need to conserve water continues Experts say that threeaut of four Americans hateanyttiingto do with financial planning. The web site that has been organized : I mmng covers 40 topics having to do with the subject I .J topics ironi reurenwni id D6ing tayeo onirofn 8 jod. to roll the account into an Individual Retirement Account (IRA) without tax consequences or penalties for early withdrawal Consider a range of insur-.an- The most important thing to do with apay raise is to not spend it before it is assessed how it truly affects the bottom line. Remember that taxes, health coverage, retirement contributions and other benefits will be taken out of the pay check. Decide what to do with the Water seems to flow in great abundance at the CEU fountain as it obscures the sun one day last week. But water in the Carbon County area continues to be in shorter and shorter supply. White this fountain recycles water and looses very little, lawns that are watered in the middle of the day are not quite so efficient All water officials ask that people not water their yards from 9 a.m. until 6 p.m. daily to cut down on evaporation. ce options when changing jobs. Its essential Access to health insurance is a virtual must Considering how tight the job market is, it is not recommended that Review financial goals. . Without goals, no one will be able to get ahead with their financial life. Look ahead to five or ten years. What money trade-off- s might there be? These are quev tionswith no right answers, but ask them anyway. Finally, no matter what circumstances have caused the job change, job hunters are not alone. The average American changes jobs an average of nine times Before the ripe old age of 34, according to the Bureau of Labor . . NOWOPEN mWM$wiOiv 'mm PERMS Statistics. 0 CUTS COLORS Q 38 East Main, Price 637-555- 2 OwnerOperator Kassandra Guest 1 comp-itiAn- cross-secti- I ' people refuse a job that doesnt include health coverage in its last job. When changing jobs, its benefits package, Hunstad ex' from employee benefits, accord-in- g tempting to cash out the retireplained, "but caution must be to the Bureau of Labor Sta--' ment plan, but it is not advised made in doing so. Medical costs tistics. The U.S. Chamber of to do so, despite the perceived can get ugly. Commerce reports that employ-'er- s windfall ofcash. Income tares and Ask a few additional insurspend $16,617 per worker on early withdrawal penalties will ance questions. Besides health benefits on be necessary on the money, asinsurance, what sort of life and survey results from a suming that the recipient is not disability income insurance opof companies in 2000. yet age 59. Also, any benefits pf tions does the new employer of'Hack expenses for a few letting that money compound fer? How do they compare with months. A new job andor bigger will go away ifa new what is already in place ? Disabilaffect can is with a zero balance. started paycheck spending. job ity income coverage is not a When people negotiate a raise, Check with die prospective (or luxury, its a necessity. Also, ' they tend to forget that the dollar new) employer about the 401(k), group life insurance is a common ' figure is their gross pay, not their 403(b) or other plan available benefit and should not be overnet pay, Hunstad stressed. It there and roll the current account looked. Its tempting to waive sounds obvious but people are into it If the investment options these types of coverages, or inclined to start spending their arent satisfactory or the plan worse, not ask if they are avail. gross pay without considering doesnt meet the needs in other able when negotiating a new what their take-hopay is. ways, the employee has 60 days 1 ; 'A .k 'j payday, explained spokesperson Suzanne Hunstad. 'ri 'rc I, i?-- NNlMSlMIfKr retirement ed plans. The site also offers foe fol-- ! lowing tips for keeping a finals dal house in order while navi-- jj gating a job change. 'Sign up for direct deposit More and more employers are 4 offering this perk, and it can be time'saving Direct deposit di-vides the chance of bouncing J checks in half This may seem j like a but one might ji be as how many to Jj surprised W people need to race to the bank w on web site ' v - ,v Sj ployer-sponsor- 'W "f U:. , ' . financia pla n nmgTcorri j Is I J , I jj 5 , "3 at-- ' kggg , HOURS: Monday thru Friday Saturday Closed Wednesday and Sunday on 1:00-7:0- - . MO-lfl- ) r $2Too"OFF" Hair "(Cut -- j i $5.00 OFF Any Chemical Service wi n ' Si'.: Mi'd- - . 'O. Vwa mm 1 Whl ' mm wi i rtf iftwP Tailing dedswhs arc made here, not in New that being a good neighbor means a lot mere everything we "offer from free checking and than just living next door to someone. Vfe also mortgage loans to Saturday hours and a live here in Price. Thatfc because were locaLVfe fork And ; (above 14 LOWER interest on any auto loan Qmrer than current stated Ai . youd expect from a good neighbor. . FREE order of checks just by opening a new checking account FREE membership , ntei,QAC) . . S -6- ' 37-0964 494 East Main Street Price, UT 84342 Fax 637-545- 5- www.utahcentral.com Jensen, Graff & Barnes will test you locally There Is absolutely no cost or die test - Ion will not have to pay anything until a settlement is recovered. PRICE BRANCH V'-;- - Serious Liver Damage Kidney Failure Muscular Weakness Numerous Deaths IlittigaaR-fi- Visit our web site at www.utahcential.com and find out how we can meet your financial needs. ,i Sf1 ! Were in it together :. A rkiMiicArttein - Deadline for snbmltting FYl items is Tuesday h has caused: course, it all comes with the friendly service ; UCCU CD current stated rates, min. of $500) BAYCOL9 drive-understa- QPENA NEW ACCOUNT AND RECEIVE: HIGHER interest (many f up window is designed to fit your needs. And of live and work here just like you. At UCCU all 14 s' MhiriEKlBteBdteBB At Utah Central Credit Union, we understand ... i QMlasi!k55Bt!B3i(nxa$i!EBdM6aBB9 fftf the unique needs of the people who . s. .'A UhA I- at 5 pjn. uram ouum m &v isn?ni inline OQ3SSIId33B0 w. - a. J ', S' '.g uxitt |