COLLEGE PARK, Md. - Im
portant American agricultural
crops such as soybeans could
suffer from as little as a 16 percent
reduction in the Earth’s at
mospheric ozone layer, according
to a study by the University of
Children
MEDIA “You spend your
lunch money on what?” Do you
ever wonder where your children
learn to manage money’ Well, not
surprisingly, it’s from you. Ac
cording to Maryetta Dorricott,
Extension home economist,
parents are a child’s main source
of knowledge and understanding
about money.
Children develop money
management skills over a period of
years; these skills aren’t just built
in. Children leam by watching how
others spend and save. They leam
by spending and saving them
selves. Attitudes toward money
what it represents to us and how
we value it are learned, too.
When children hear their parents
quarreling over money problems
or think their parents have an
easy-come-easy-go attitude toward
it, they could develop troubling
Md. studies ozone crop damage
Maryland’s Agricultural
periment Station (UMAES).
As the amount of ozone - a form
of oxygen - is depleted in the
Earth’s atmosphere by such
pollutants as freon and other
refrigerants, more ultraviolet 1
Manage Money Too
attitudes toward money at
titudes which may last a lifetime.
As a parent, you can help your
children learn sound money
management, making it a natural
part of your child rearing and
family relations. Talk openly about
financial matters with your spouse
and other family members don’t
let money become the monster in
the closet. Give your children
firsthand experience. Let them be
part of family money managing
decisions. As they become old
enough to understand explain
savings, income, and expenses and
emphasize the role of long-term
financial planning.
Money is an everyday part of
your children’s lives. From an
early age they too, have things to
buy and reasons to save. An
allowance can help your child
learn the fundamentals of
radiation from the sun seeps
through to the Earth’s surface.
That, scientists fear, could have
a serious, negative effect on plant
and animal life, especially
agriculture.
Previous studies showed that as
little as a 12 percent reduction in
Ex-
managing money. Sit down and
discuss money needs and wants
with your children. Let them know
that their allowance is part of the
entire family’s financial picture.
Agree on a set amount and give it
to your child on a regular basis, if
circumstances change, allowances
should be reviewed and changed if
necessary.
Allowances vary. A young child
may receive a small amount to
spend on little things while a
teenager may receive a large
amount of money to manage. Some
families encourage their teenagers
to assume responsibility for
clothing, car insurance, and school
supplies as well as the more
common personal costs. They
budget allowances to meet those
costs.
the Earth’s protective ozone layer
could damage agricultural crop
plants, according to Alan H.
Teramura, a botanist at Maryland
and one of the study’s principal
investigators.
A more realisitic estimate,
however, places the possible
reduction in ozone levels from air
pollution at 6-9 percent, says
Teramura.
What has caught scientists’
interest, adds Teramura, is that
the lower levels of ozone could pose
a somewhat “invisible” danger to
some crops.
“A few crops are actually
stimulated by increased
ultraviolet radiation. But most
others show damage in their
foliage.
“Some, however,” says
Teramura, “do not show signs of
physical damage but still are
harmed by increased ultraviolet
radiation.”
Soybeans, for example, may lose
some of the protein and oil for
which they are highly favored by
irmers for livestock feed.
In their study the UMAES
botanists and horticulturists found
that one soybean cultivar popular
in Maryland and other mid-
Atlantic states produced less
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protein per seed when it was ex
posed to radiation levels
equivalent to a 16 percent ozone
reduction.
Confounding scientists, however,
are situations in which some plants
are more sensitive to ultraviolet
radiation in some years than in
others, according to Teramura.
“Consequently, there is an
urgent need for further, and more
carefully designed studies before
any meaningful conclusions can be
drawn concerning the effects of
global ultraviolet radiation on crop
productivity,” says Teramura.
Ag Advice
(Continued from Page F 8)
ployer and employee social
security is 13.7%).
Workmens Compensation: Since
everyone who works for the cor
poration is an employee, work
mens compensation must be paid
on everyone even shareholders
who work on the farm.
Records and Tax Preparation:
There is more time involved in
preparing taxes and a more
detailed set of records for the
corporation than for a partnership.
Where time equals dollars this
would make the corporation more
expensive.
Each person has a different set
of values. Decide how much the
plus effects are worth to you then
how much the minus effects are
worth to you. Once you have done
that you will be able to answer the
question for yourself. Oh, one other
thing - if a partnership wouldn’t
work because of economics or
compatibility, then a corporation
won’t work either. _ „
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Weigh the odds