Does Spending Holiday Green
If you have not already begun According lo Daniel J. Collins,
your holiday shopping, you have- Jr., CPA, president, Pennsylvania
probably at least started thinking Institute of Certified Public Acc
about it. outants (PICPA), you might also
Where We Treat You Right
YOUR HEADQUARTERS FOR GRAIN & HOG EQUIPMENT
ATTENTION GRAIN FARMERS
DECEMBER IS EARLY ORDER BIN DISCOUNT MONTH
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HEATERS
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want to start thinking about how to
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light of the phasing out of the
income tax interest deduction for
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Lancaatar Farming, Saturday, Oacambar's, 1907-127
Make You Blue?
consumer debt.
This year, only 65 percent of
consumer debt increase from cre
dit cards, auto loans and personal
loans, is deductible. Next year it
drops to 40 percent; in 1989, 20
percent; 10 percent in 1990, and is
finally eliminated in 1991.
HOW TO PAY
The best way to pay for holiday
gifts is, of course, with cash.
A home equity loan is a possibil
ity; after all, the interest on it is
generally still deductible. But
think carefully about whether you
want to put your home up as colla
teral for holiday gifts. Because that
is, in effect, what you would be
doing.
If credit is your only alternative,
there are a number of steps you can
take to make it less expensive.
First, if you use a credit caid, use a
card that has a low interest rate. Be
sure to pay your bill off as soon as
possible. Paying the monthly mini
mum is tempting, but expensive.
Another possibility is a loan
ATTENTION FARMERS
Call deck’s for quick removal of
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Located in Mifflintown, PA j
717-436-8272
Also Serving Lancaster, Carlisle, York,
Millersburg & Eastern Pa. Areas
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215-369-1625
CALF KENNELS
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ALSO AVAILABLE: TRACK FOR FASTENING CALVES'
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BY:
Rt. 897 North - Gap. PA 17527
from a credit union if you belong to
one. Generally, the credit union’s
interest rate will be lower than that
of a credit card and probably lower
than most banks.
If you must use credit for your
holiday shopping, also use your
head. Set spending limits for your
self and stick to them. Avoid the
temptation to buy something just
because you have a roll of money
in your pocket or can put it on your
credit card. In addition, while
you’re out at the mall, stop by your
bank and open a holiday account.
That way, you will not have to bor
row to pay for next year’s presents.
This column on Money Man
agement, providing practical tips
on how to develop a personal
financial plan, is distributed regu
larly by the PICPA. The PICPA is
the second oldest state organiza
tion of CPAs in the country with a
membership of over 15,000 people
serving the public and the financial
community.
Tilt Out Feeder for/
eaty access.
USE YOUR HEAD
Simple, efficient
eyebolt and pin
connector
30" or 50” high wire
enclosure (Option)