| OCR Text |
Show OCTOBER 19,2006 Page 2 T H E GARFIELD COUNTY INSIDER CALENDAR EVENTS | THURSDAY, OCTOBER 19 • AA Mtg, New Awareness PanguitchLib-7pm • Gospel Meetings @ 730 pm Panguitch U o y •Garfield Schpoi Board Meeting • GSENM October Walk - Fossils, Swamps, and Dinosaurs •BVHSUBSCTTesting [ 3 FRIDAY, OCTOBER 20 • Region Volleyball @ Panguiteh High School •BVHSUBSCTTesting | SATURDAY, OCTOBER 2 1 • GSENM October Walk, Wetlands of Deer Deek • BVHS Halloween Yearbook Dance | MONDAY, OCTOBER 23 •EHS Harvest Day -No School PHOTO DEVELOPING NOW AVAILABLE AT Save Valuable Time & Make Prints in Seconds! Print Pictures from your Camera % It hakes Sense. GSENM OCTOBER WALKS & TALKS By Veda Halt Dear Veda. I have thought that it makes cents to established a credit history. I watch my friends going into debt just to do this. I don't know if 1 want to do that. Good for you. The word "debt1 probably rang a negative bell in your smart head. But there could come a time when you will want a credit history—a good one. So the trick is to start small: try applying for credit with a local business, such as a department store or a local bank or credit union. These local merchants may have lower credit standards than larger lenders. Before you apply for credit, make sure the credit grantor reports credit history information to one of the major U.S. credit bureaus so you can build your history. Then pay whatever it is you charge the next month. If you have already fouled up your credit, you could still start over. You could ask a friend or family member to cosign your loan or credit card application or obtain a secured card, which is guaranteed by a deposit you make with the card issuer. It is also a good idea to actively monitor and manage your credit. While the most obvious thing you can do to build a solid credit history is to pay your bills on time, you can also take steps to protect your credit standing and make sure your credit report is accurate when you apply for credit. Many credit reports contain inaccuracies, usually caused by innocent errors but occasionally by fraud (such as identity fraud, in which a thief uses someone else's name to open credit accounts). The Fair Credit Reporting Act ensures your right to dispute such inaccuracies fn your credit report without charge. You can also plan a credit strategy much like-you would a budget to improve your credit worthiness. Taking steps like applying for a major credit card if you only have local credit, closing old unused credit accounts, and keeping tabs on the number of inquiries in your report can improve your credit status. But skip the "credit repair" clinics. Although some consumers pay credit clinics hundreds or even thousands of dollars to "fix" their credit reports, only time can improve bad credit. The Federal Trade Commission has investigated and reported at length on these often-fraudulent "clinics." And some credit repair plans actually encourage you to commit fraud yourself by attempting to create a second credit identity. The key fact: There is nothing a credit repair clinic can legally do to fix a credit report that you can't do yourself for free. Consumer credit reports contain easy-to-follow instructions for disputing inaccurate information at no charge. Inaccurate information will be changed or deleted. Accurate information that shows negati-ve payment habits will usually remain on a credit report for seven years, with bankruptcies remaining up to 10 years. Federal law mandates this. A good credit rating is like keeping a clean face. Keep the guck off! Good credit is an asset, like anything else material. It makes cents to have this asset tucked in your pocket. Readers, this is your feature. Send your good ideas to IT MAKES CENTS, P.O. Box 956, Panguiteh, Utah 84759 or by e-mail to: vedahale@hotmail.com. If a suggestion is used you will receive a miniature painting by Veda Hale or one of Vi Blake's helpful booklets. Please state your preference. Grand Staircase-Escalante National Monument celebrates 10 years of "Learning from the Land" with its "Walks & Talks" series. These programs are free and open to the public. Times are Mountain Daylight Savings Time. Thursday October 19 Fossils, Swamps, and Dinosaurs Time: 10 a.m.-2 p.m. Big Water Visitor Center Drive or carpool; well-maintained gravel road. Take a walk along the shore of the Late Cretaceous Seaway with Monument paleontologist Alan Titus. You'll hike through the Dakota Formation, an ancient landscape 93 to 100 million years ago, vastly different than today with lush plants, waterways and swamps, dinosaurs and prehistoric reptiles and fishes. Learn about the major milestones in the history of life occurring at the same time the seaway flooded North America. You'll see lots of invertebrates, including ammonites and shells. Saturday October 21 Wetlands of Deer Creek Time: 10 a.m.-lp.m. Place: Meet at Anasazi State Park Visitor Center Short drive (on paved road) or carpool. Explore wetlands and riparian areas along beautiful Deer Creek with Monument hydrologist Mike Turaski. Learn about the importance of water, and how this rocky canyon country is influenced by flashfloods and groundwater from the vast Navajo Sandstone. The Monument maintains an array of field stations, monitoring stream flows and conditions Phone . A reminder about homeowners insurance. A 3 bdrm, 2 bath reminder. Accepts All Forms of Digital Media Your home is more than a collection of rooms, to you and to us. At American Family you get property Print Pictures from your Digital Camera Create •'-. •it* Customized * ^ Greeting Cards ' * * and liability insurance with a personal touch. Call today for a free, no-obligation homeowners insurance evaluation. So you can check it off your list, and off your mind. f IMOS160W IJCWKU 111 fl47li1 AMERICAN FAMILY |
