NEWARK, Del. Many people complain that by the end of the month, there’s no money left for savings. The only way around this problem is to make savings a priority, says University of Delaware extension family living agent Mary Alice Morris. Consider savings as a fixed expense like rent or mortgage We’re playing your song high interest and a variety of savings schedules tuned to your individual budget! . You'll earn the most as you save steadily, at your own pace! Sound like a good idea? You bet it is! * Regular Passbook Savings Accounts * Individual Retirement Accounts * Insured Money Market Savings and Checking Accounts. * All-Savers Certificates and NOW Accounts. * Various-Term Certificates of Deposit * Holiday Savings Club Plans THE FARMERS NATIONAL BANK OF OUARRTVILLE SMALL ENOUGH TO KNOW YOU LARGE ENOUGH TO SERVE YOU TWO CONVENIENT SOUTHERN LANCASTER COUNTY LOCATIONS ★ QUARRYVILLE Phone: (717) 786-7337 ★ PENN HILL An Equal Opportunity Lender • Member F.0.1.C. • Each Account Insured To $lOO,OOO payments, she advises. Have the money automatically deducted from your paycheck if possible, or deposit it yourself in a savings account before you have a chance to spend it. That way you’ll build up a cushion against emergencies, unemployment, or unexpected large bills. Deciding how much to save 0% 0% 0% «% h the sweetest music this side of heaven Make savings a fixed expense depends on your income, expenses, and financial goals. Many people assume that a two-income family has a distinct advantage when it comes to saving, but this is not necessarily the case. Two paycheck families tend to have higher expenses because they often pay for extra services and conveniences. n I'M NOT L10N... The Classified Livestock Section Has Beastly Selections! BUILT TO LAST FOR A LIFETIME These heavily reinforced Cattle Guards are precast in one piece for a lifetime of maintenance-free operation. Supports heavy machinery and truck loads LENGTH WIDTH DEPTH WEIGHT, 16 ft.-9000 lbs. 1? ft.-7000 lbs STRENGTH 5000 PSI reinforced Concrete Sollenberger Silos Corp. A Nitterhouse Company Box N Chambortburg, PA 17201 |717) 284-9588 A Producer of Quality Concrete Products Since 1923 Every family should have a fund equal to three months take-home pay reserved for emergencies only. This should be easily ac cessible in a savings account. In addition, every family has its own financial goals - children's education, a home, a new car, vacations, or retirement. One guideline is to save 10 percent of the total take-home pay each month. This may be too high for some families, but the point is to save on a regular basis. When you finish paying off a car loan or personal loan, Morris suggests, continue to set aside the payments each month and deposit them 'rto a savings account Since 12 ft. or 16 ft 7’l" Ift. For More Information, Contact: mcaster Farming, Saturday, Jane 18,1983—623 Airline charged by USDA I J 1 \1 I I 1. I .1,1! -K-M CROSS SECTION you’ve already learned to live without that money, it’s a painless way to accumulate a substantial nest egg. Put your imagination to work and you’ll think of more clever ways to save. For instance, empty your pocket change into a piggy bank, or give up smoking and bank the money you save. Once you’ve made the com-" mitment to save, get the most for your money, Morris says. Com pare rates of return on various types of savings accounts and investments. Your local library will have useful information in financial magazines and books. WASHINGTON, D.C. American Airlines, Inc., headquartered at Dallas-Fort Worth Airport in Texas, has been charged by U.S. Department of Agriculture officials with nine counts of violating transportation standards of the Animal Welfare Act. USDA is asking that American’s officials be fined $3,000 in civil penalties if the charge is upheld, according to Dr. Richard L. Rissler, a veterinarian directing animal care activities for USDA’s Animal and Plant Health Inspection Service. Rissler said the in cident with the gravest consequence involved a cat shipped Dec. 20, 1980, from St. Louis, Mo. The cat was dead on arrival at Boston, Mass., from exposure to freezing temperatures. The remaining violations involved dog and monkey shipments. On two occasions bet ween February and March of 1981, seven dogs were shipped from Los Angeles, Calif., to Honolulu, Hawaii, in crates that were too small for them. Monkeys were shipped from Tucson, Ariz., to Washington, D.C., Dulles International Airport in inadequately ventilated crates. Moreover, the crates had an insufficient quantity of litter; they lacked rims or other devices to prevent obstruction of ven tilation openings; there was no labeling to in dicate “wild animals” or the correct upright position; and there were no feeding or watering instructions, USDA contends. Moreover, on Nov. 24, 1981, the animal holding area at Dallas-Fort Worth was not suf ficiently cleaned and was Uttered with spiUed feed and other materials, Rissler said. He said American’s officials have 20 days to respond to the charge and can request a hearing before an ad ministrative law judge. Failure to respond constitutes admission of the charge.
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