Officers of the Mt. Springs 4-H pose with the representatives of the companies who bought their animals at the county fair. Holding banners, from left from are Amy Schmuck, Jesse Brant, Megan Schmuck, Jill Brant, and Bonnie Sanner. Middle row, Carol Walker, Theresa Brant, Judy Bird, Max Mosholder, and Eugene Yachere. Last row, Greg Walker, W.J. Brant, Dr. Bob Bastian, Todd Piitts, William Richter. Mt. Springs 4-H’ers Learn Importance Of Choices GAY BROWNLEE Somerset Co. Correspondent NEW CENTERVILLE (Somerset Co.) “4-H is an ex cellent choice,” Dr. Bob Bastian told members of the Mt. Springs 4-H Club and their parents. He ex plained that animal and other 4-H projects teach kids about the re sponsibility and accountability, associated with their own choices. “If we don’t put good ideas into kids’ heads, we won’t get good out,” Bastian said. “We’ll gel junk.” And putting good ideas into kids’ heads doesn’t happen instan taneously. The process happens slowly while they are growing up when they learn to respect the law and gain their sense of patriot ism from their parents, he said. The veterinarian from the Ani mal Medical Center of Somerset County, Inc. spoke about his per- There may be times that your child(ren) need to be home alone and may even be the first one in the home. For those times when your child is the first one home both of you will feel much better if you have discussed the situation ahead of time. Following are some questions and guidelines that you can use as a guide for your family discussion. Ask your child If you are in charge and the first one to arrive home, what do you do? Get your child’s input first, you may be sur prised at how much they have thought about this. Be sure to give them credit for coming up with some good ideas. After discussing what to do, you may want to make up some “rules.” Keep these in mind as well: • If everything looks normal, enter your house and lock the door behind you. • If something looks different, like an open door or broken window: 1. Do not go inside. 2. Go to a neighbor’s and call home to see if a family member sonal choice to challenge an in cumbent and popular state legisla tor in the district they are from, on November 5. When the votes woe tallied and the doctor did not succeed, but lost in his attempt to go to die state house of representatives, he could still say: “Neither my wife nor I are sorry,” because they had thrown themselves fully into the challenge. Sometimes, the lessons that teach us the best are those in which we try with all our heart, but fail to accomplish something. And if the good ideas have taken root, there will always be another chance to try again, and probably, to do so with greater confidence than we had the first time around, was the essence of Basian’s words to the group. Dave Brant, however, seemed to echo the sentiments of many Coming Home 3. If no one answers the phone, call a parent to see if someone was Life Insurance Do you need life insurance for your children? The answer is that you can probably get along with out it The main purpose for carry ing life insurance is to provide for dependents in the event of the loss of the income earner or for a method of forced savings. But some people want to take out poli cies on their children. In most cases there are better ways to use the money. If the purpose is to cover death expenses, it can be more economi cal to open a small savings account as an all-purpose fund for the child. If the purpose is to cre ate cash value for later use, again a for Kids? fanners when he remarked that, had Bastian won a seat in Harris burg, Somerset County farmers would be less one of the fine doc tors of veterinary medicine that practice in the area. The collective group was cele brating at the Milford Grange Hall and throwing a dinner for the sup porters of the Mt. Springs 4-H Club. Amy Schmuck, president, pre sided over the affair with help from the other officers: Jill Brant, vice president; Bonnie Sanner, secretary; Jesse Brant, treasurer; Tammy Durst and Lindsay Schmuck, reporters. Other participating club mem bers were Tim Albright, Leanna Beachy, Roni Beachy, Angie Brant, Matthew Brant, Megan Schmuck, Travis Brant, Sanda Durst, Nathan Faidley, Robbie Harrold and Tim Latuch. home during the day and find out what to do. savings account will usually be better. Cash value policies usually have little build up in value in the first few years because the com mission is paid with the premiums in those years. Although there is a tax advantage of not paying income taxes on the build up of interest in the policy, this is off set by the insurance premiums you are paying. A better use of the money may be to increase the life insurance for the family’s primary income earner or to take out a disability insurance policy to cover income loss when the earner is no longer able to work. SEE YOUR NEARES DEALER FOR DEPENDABLE EQUIPMENT & SERVICE PEN MESSICK EQUIPMENT RD 1, Box 255 A 717-259-6617 Annvllle. PA BHM Farm Equipment, Inc. RD 1, Rte. 934 717-867-2211 Carlisle. PA R&W Equipment Co. 35 East Willow Street 717-243-2686 Messick Farm Equipment, Inc. Rt. 283 - Rheem’s Exit 717-367-1319 HalUax.,PA Sweigard Bros. R.D. 3, Box 13 717-896-3414 Norman D. Clark & Son, Inc. Honey Grove, PA 717-734-3682 Loysville, PA 717-789-3117 MARYLAND Frederick. 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