30
—Lancaster Farming, Saturday, June 3, 1972
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By Doris Thomas,
Extension Home Economist
About Use of Consumer Credit
At one time, consumer credit
was used only by those in
financial distress. And, because
they were often exploited by the
lenders, attitudes developed
against the use of credit. Since
the end of World War 11, attitudes
have changed. And the use of
consumer credit has expanded
rapidly. In fact, total debt held by
individuals is greater than
corporation debt or that of the
federal government. -
Credit is most often used by
families during the years of
heavy responsibility-when they
are collecting their homes and
possessions and children are
growing up.
Patterns of family living have
changed. And some experts feel
the need for credit is greater now
than it was two generations ago.
Young couples usually haven’t
started earning peak salaries nor
do they have a backlog of savings
when their financial needs are
the greatest.
Credit is no longer considered
the mark of poor money
management. Using credit is
accepted as a normal way of
supplementing the family in
come Credit is used to meet the
strain of current needs which
available income can’t meet
Through use of credit, families
can buy homes, furnishings, and
equipment, automobiles, and
other goods. And they can use
them while paying for them.
About ninety per cent of
automobiles bought and sixty per
cent of other durable goods are
now bought with installment
WHITE WASHING
with
DAIRY WHITE
• DRIES WHITE
• DOES NOT RUB OFF
• NO WET FLOORS
• IS COMPATIBLE WITH DISINFECTANT
MAYNARD L. BEITZEL
Wltmer, Pa. 392-7227
C 0. NOLI
BIRD-IN-HAND
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Ladies, :i
Have
You
Heard ?
credit. Instead of saving to buy
an item after the money is
collected, the item is bought and
savings are begun through the
“on-time” payments.
A family vacation doesn’t have
to cost a lot of money. There are
ways to have rewarding, relaxing
and low-cost family vacations.
And camping isn’t the only an
swer. If you have young children,
perhaps just staying home will be
the easiest. Being at home often
appeals to children more than
traveling long distances.
If you’re going to stay home,
take a break from everyday
routine. Seeing local tourist at
tractions and perhaps eating in
restaurants can be fun and
inexpensive. And you won’t have
to pay for lodging.
If your children are old enough,
a bicycle or walking tour offers a
chance to explore surrounding
areas.
It’s even possible to swap your
city home for a country one, or
vice-versa. Home swapping has
become a popular way to spend a
restful and rent-free 'vacation.
Some city hotels give family
rates or special summer rates to
encourage out-of-town visitors
during a slow season. The hotel
may take children under 12
free ..and offer bonus features
such as swimming, babysitting
and tours.
Transportation is usually the
most costly item. Using your own
car will help keep costs low.
Figure two or three cents a mile
LOCAL DISTRIBUTOR
Doris Thomas
About Low-Cost
Family Vacations
Phone Lane. 397-0751
Rose Disease Controls
Proper use of certain
fungicides will control black spot
and powdery mildew, the two
most serious diseases of roses,
according to 14 years of testing
by plant scientists at Penn
sylvania State University.
Black spot is best controlled by
spraying at weekly intervals with
fungicides containing any one of
the following—Daconil 2787,
maneb, or folpet. Powdery
mildew of roses is restrained best
by spraying with products con
taining benomyl (Benlate,
Benomyl).
The tests were carried out by L.
Mrs. Royer
(Continued From Page 29)
1 (3 oz.) pkg. orange flavor
gelatin
2 cups cottage cheese
cup chopped
1/2 cup chopped walnuts
1 teaspoon lemon juice
l A teaspoon salt
To prepare cranberry layer: la
a bowl pour boiling water over
gelatin; stir until dissolved. SJtir
in sugar, lemon juice and relish.
Turn into mold. Chill just until
set.
To prepare cottage cheese
layer: Heat cranberry juice to
boiling, pour over gelatin and stir
until dissolved. Stir in cottage
cheese, celery, walnuts, lemon
juice and salt. Gently fold in sour
cream Pour over cranberry
layer. Chill until firm.
for gasoline and other car ex
penses.
Nature hikes, tours through
mills, factories and historical
sites can cut costs and at the
same time be interesting and
educational. And packing lunches
to eat at roadside parks can cut
down your daily food bill by a
couple of dollars a day. A family
vacation doesn’t have to be costly
to be fun.
P. Nichols and P. E. Nelson,
plant pathologists with the
College of Agriculture at Penn
State. During the last two
growing seasons they found that
none of the fungicides tested
would truly control both black
spot and powdery mildew of
roses.
As for black spot, Daconil 2787
has given the best control for the
past four years. Both maneb and
folpet gave good control of black
spot from 1964 to 1971. To date,
benomvl has been the most ef-
celery
Here's the first Automatic Milker!
De Laval’s
Automatic
Model 200
fective fungicide for powdery
mildew.
Rose growers are familiar with
the damage caused by these
diseases on roses. During wet
weather, black spots may cause
serious defoliation. This weakens
rose plants and makes them most
susceptible than otherwise to
winter kill, Nichols and Nelson
point out. Powdery mildew
disfigures the leaves and flower
buds with a powdery white
mildew coating.
Weekly fungicidal spraying in
(Continued On Page 34)
The milker controlled
by the cow.
□ It starts when the
cow’s ready
~2 It stops when the
cow’s through
□ It gently massages
the udder until re-
men cd
It can impro\e
udder health
1 Harvests maximum
milk vour cows
pn duce
Call us or come in for
the lull storj Today!
LANDIS
BROS.,
INC.
1305 Manheim Pike
Lancaster, Pa 17601
Phone 393-31106