A2B-Lancaster Farming, Saturday, July 1, 2000
(Continued from Pago A 27)
perhaps a subject that was never
discussed openly?
Values guide decisions. How
you use time and how you spend
money reflect your values. Also,
the goals you establish mirror
what you have chosen as im
portant things in life. Answering
the following questions may
help you identify some of your
values;
• Family: Do you want to
have children? If so, how many?
What type of lifestyle would sat
isfy you most? Are you prepared
for the financial responsibilities
of a family?
• Work: Are you satisfied with
your job? Do you make as much
money as you would like? How
do you feel about both the hus
band and wife working outside
the home or farm? Are you will
ing to move for job advance
ments?
• Home: Do you want to rent
or own a home? Can you afford
to furnish your own home as you
would like?
• Transportation: Could you
get along with only one car?
Would you be willing to drive
less? Would you be satisfied
with a smaller car?
• Recreation: What do you do
for recreation? Would you be
satisfied spending less money on
recreation or hobbies?
• Future security: Are you
comfortable buying now and
paying later? How important is
savings? Have you started to
plan for retirement? What pro
visions have you made to pro
vide for your family in case of
death or disability?
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ment patterns and roles for men
and women, along with uncer
tain economic times, have
caused us to rethink how we
earn and how we spend.
It is easy for family members
to be guided by messages heard
from the world around them.
Often, the result can be a loss of
knowing what is really import
ant to each individual and to
families as a whole.
Anticipating and dealing with
change as it affects the way
money is used is a challenging
aspect of financial management.
Clarifying values, analyzing po
tential causes of money prob
lems, and developing some skills
in communication can make
money management a satisfying
experience for your family.
Money Problems Summary
Most families face money
problems because of a lack of
planning and communication.
These problems generally fall
under four categories.
• Value conflicts. To save or
spend, to buy life insurance or a
new car for college tuition or a
new drill, these choices reflect
values and potential conflicts.
No two persons have exactly the
same values, but when there are
sharp differences in values in a
family, negotiation is vital. Dis
similar values between spouses
will either result in each estab
lishing different goals and prior
ities, or none at all.
• Unrealistic goals. Striving
immediately for the same qual
ity house, furnishings, and car
that took your parents 30 years
to earn is a common problem.
Insisting on unrealistic stand
ards often results in frustration
and, worse, overindebtedness.
Setting priorities, resisting out
side pressures of advertising and
peers, and taking satisfaction
from the “no cost” aspects of life
can help.
• Emotional uses of money.
Buying status, friendship, or
love; controlling or punishing
others by withholding money;
and overspending to get back at
another family member are all
emotional uses of money. When
hidden meanings are attached to
money and they go unrecog
nized, trouble brews. Strive to
recognize and prevent emotional
use of money.
• Lack of planning. Impulse
buying with credit cards, daily
trips to the store, inadequate
health insurance, and low-yield
investments all indicate a lack of
financial planning. Setting new
goals and seeking alternatives
are necessary for successful fi
nancial management. In times
of inflation and rapid change,
relying on old habits can be
costly.
Guidelines For Talking
About Money
Ask the following questions
when talking about money with
a spouse or another member of
the family.
• How do you feel about the
>vay your family communicates
about money?
• Share your “ideal.” How
would you like your situation to
be?
• Identify where you would
like some help. Do you agree or
disagree about needs for help?
• What are some sources of
help available to you?
• Are you able to talk with an
other person about his/her fi
nancial mistakes (such as
overspending and making a
large purchase without consult
ing you)?
• Are you able to talk about
potential money problems
before they happen?
Making financial decisions is
a challenge for every family. If
you run into problems making
decisions, these steps may help
you arrive at an acceptable solu
tion:
• Step 1. Define the problem.
Be specific. List only one prob
lem at a time.
• Step 2. List ways the prob
lem could be solved. Write down
all possible solutions that come
to mind. Do not judge their
worth at this point.
• Step 3. Now evaluate each of
the solutions listed in Step 2. Are
they workable practical and
agreeable to everyone involved?
Can you combine several alter
natives?
Swimming
Pool!
Hot Tub! *
Trampoline!
Pn»e Pood!
Door Prizes!
Cumberland County Picnic
Saturday, July 15, 2000
At the home of Jim Kulick
Jim KuHck will give a (demonstration
of PA DHIA's Barb Owl md
Professional Hoof Trimmers loa
demonstrate hoot trimming.
Dave Lentz from the National
Holstein Association will ;
demonstrate digital photography i
and its compatibility with PA
DHIA's Barn Owl 2000™.
• Step 4. Select one solution.
Outline the steps necessary to
arrive at this solution.
• Step 5. What might stand in
the way of reaching your goal?
How can you avoid these obsta
cles? What are you willing to
sacrifice to solve this problem?
Whose support do you need?
The “Talk About Money and
Family Worksheet” is designed
to give you more insight into
your values and attitudes about
money. It also will indicate some
of what you know about your
family’s income and spending
patterns. Ask other family mem
bers to fill out the worksheet. Do
not let the other person(s) see
your responses until the
worksheets are completely filled
out. Then compare. Talk about
points of agreement and disa
greement. Can you see any dif
ferences in values and attitudes
that may be causing conflict in
your family? Can you pinpoint
potential problems? Use the
above information to help with
your discussion.
Doyle
AGA
WESTMINSTER, Colo. S.
Patrick Doyle will begin work
with the American Gelbvieh As
sociation on July 10 as its new
director of education and re
search.
Doyle replaces Bob Weaber,
who is leaving AGA after five
years to pursue a doctorate at
Cornell University in Ithaca,
N.Y.
Doyle earned a bachelor’s
degree in animal science
industry option from Texas
A&M University. He has also
completed a master’s and doc
torate in animal breeding and
genetics at Colorado State Uni
versity.
During his graduate work at
Colorado State University,
Doyle was the coordinator for
the John E. Rouse Colorado
State University Beef Improve
ment Center near Saratoga,
Wyo. He coordinated data man
agement and collection, within
herd genetic prediction, and
presented performance data for
both the cowherd and the Cen
ter’s bull performance test.
Doyle also assisted with selec-
100 Homers Road
Carlisle PA
Talking About Money
And Family Worksheet
When you’re talking about
money with your spouse or an
other family member, consider
these questions as starting
points:
• What do you think about
the way your family communi
cates about money?
• Share your “ideal.” How
would you like your situation to
be?
• Identify where you would
like some help. Do you agree or
disagree about needs for help?
• What are some sources of
help available to you?
• Are you able to talk with an
other person about his/her fi
nancial mistakes (such as
overspending or making a large
purchase without you)?
• Are you able to talk about
potential money problems
before they happen?
• Use the following “Talk
About Money Worksheet” to
give you more insight into your
values and attitudes about
money. Use it to find out what
you know about your family’s
income and spending patterns.
Begins
Work
tion and mating decisions for
the Center’s cowherd.
His research projects revolved
around the potential impacts of
sexed semen adoption in com
mercial beef production and
genetic parameter estimation for
reproduction traits such as
heifer pregnancy and gestation
length.
As director of education and
research, Doyie will coordinate
the AGA’s National Cattle Eval
uation, work with additional re
search for Gelbvieh, and be a
genetic resource person for
Gelbvieh members. He will also
be the AGJA staff adviser and
work with Gelbvieh junior mem
bers.
“The AGA is fortunate to find
a person as technically compe
tent as Patrick, that also has
real-world practical application
of the newest technologies,” said
AGA Executive Director Don
Schiefelbein. “We are sorry to
lose Bob Weaber, but wish him
all the best in his new endeavor.
Patrick will be an excellent addi
tion to the current AGA staff
and we look forward to him get
ting started.”
You do not need to be on Test to I
attend.
PA DHIA members who bring a
dairyman not on test with PA DHIA •
will get a prize! I