CONGRATULATIONS! YOU’RE A GRADUATE You and your family are cele brating. You are graduating from college. On to the next exciting stage of life, whatever that may be for you. But one thing is cer tain you now have reached adulthopd pnd the personal re sponsibility that goes with it. That college degree doesn’t give you the right to a comfortable life, just the tools for earning it. Unless you are pursuing a graduate degree, it’s time to get full-time work. The job you find and the level of pay and benefits with that job will determine the next steps you take. You may want to live at home for a while if you take a lower-paying job. But don’t expect your parents to pay your bills. * *v- uteeMtf jounce fat ewuftfattf o*t (Acfautt • About 100 Market Reports Each Week • Grain & Milk BFP Futures Markets • The Region’s Most Complete Public Sales • Family & Home Section With Featured Recipes • Classified Ads - Farm Equipment - New & Used • Enjoy Our Weekly Columns & Features • Weekly Weather Report • Weekly Regional Calendar Of Events • Agribusiness Page • Antiques Center ‘Weekly - niy&C to* yawt <ttact&&x! | With your paid subscription, you can take advantage of a mA/JiA* * MARKET AD. Look for details in your Lancaster Farming Newspaper in the Classified/Mailbox Market Section. i Yes, 1 would like a subscription to Lancaster Farming! j I have completed the information required to start my subscription and I have checked a subscription j ■ plan box. I have enclosed a check/money order for - 1 □ 52 ssues - $34.00 , |-r k".' * - j I • X Name Address City County _ Telephone ( ) _____ We accept (check one) Q Visa □ Mastercard Q Discover 111 ill 11111 itt it i an 111 I (non-refundablc) ' j Determine your take-home pay and keep your expenses to what you can afford. You should pay your parents something each month for the food you eat and the household expenses, such as electricity and water, you con sume. The amount can be negoti ated but insist on paying them something. It’s the adult thing to do. And pitch in with the chores around the house. Just your being there makes work, so do your share. If the job you are offered pays well enough, you may want to get an apartment. A roommate or two will make the arrangement more affordable and less lonely. Just make sure they are finan cially responsible. A lease is a le gally binding contract. Often iT"' HQW iteftfreMay 1,2902 Kafr Change! □ 52 Issues - $45.(10 each lessee is obligated for the full amount even though the in tent is for each person to pay his portion of the total. Read over the lease to determine what ex penses, such as heat, electricity, or garbage, are included in the rent. If you have to pay heat, for example, you will have signifi cant additional monthly costs. Be creative about furnishing your place. Your parents’ base ment or attic is a good place to start. Borrow whatever they’ll give you. Concrete blocks and 1-inch by 10-inch boards make great bookshelves. Scour used or unfinished furniture stores for bargains. You won’t have to live with'this stuff for the rest of your life. And you are likely to move a few times while you are young, so keep your investment to a min imum. If you don’t.aiready have one, you may need a car to get to work. Think twice about buying a new one. Can you really afford to take on the debt involved? Re member, owning a car involves insurance, repairs, and gasoline as well as loan payments. Re search the Internet and the li brary for recommended used car models. Consumer Reports com piles ratings in the April issue of the magazine. Then see if you □ 1«4 Issues - $63.00 □ 104 Issues - $85.00 State can find a used car to suit your needs. Usually college students are no longer covered by their parents’ health insurance once they grad uate. Check your family’s policy to see when you will lose cover age. It may even be on gradua tion day. You should arrange for short-term coverage until you are covered by your own employee benefit plan. These policies often cover catastrophic illness only. Be sure you understand your cover age. There are some options avail able. You may be able to buy short-term coverage from your family’s insurer. Your college alumni association may have a short-term policy plan. Or you may be able to get a policy through a commercial insurance agent. Explore all the options be fore making a decision. Are you graduating with stu dent loans to pay back? Many young men and women are fac ing sizable debt. If you have Fed eral Stafford Loans, you must begin repayment in the sixth month after leaving school. Re payment on Federal Perkins Loans begins after nine months. The total repayment period is 10 years. Loans from financial institu- o peatcvU*ts' Got Milk? Dairy Info Dairy Management DHIA Focus/Coverage FREE MAILBOX * « Return Form With Payment To Lancaster Farming P.O. Box 609 Ephrata, PA 17522 (Offer Expires 4/30/02) Lancaster Farming, Saturday, Apnl 13, 2002-B5 tions may have other terms. If you make all your payments on time for a number of years, some lenders will reduce your interest rate. This will not lower your monthly payment, but will allow you to have your loan paid off sooner. Interest on student loans, except loans from relatives, is tax deductible. You do not have to itemize de ductions to receive this benefit. If you have a high-paying job or come up with some extra cash, consider paying off your loan more quickly. There are no pre payment penalties and you will save a lot of interest. Plus you will have less debt to manage when you are ready to make those big purchases of life, such as a home or a new car. ( Above all, do not default on your loan. You will never get any other federal aid. Your credit re cord will be seriously damaged, affecting your ability to borrow for a car or home later in life. Look in your local library or bookstore for more complete in formation on student loans it’s a complicated subject. So best of luck to all of you. Enjoy that big step into your new life. And don’t forget, your day will now start at dawn, not noon. Hawaii Farm Tour , , The Best Escorted Vacations You'll Ever Flhd From $ 2144 P.P. Dbl. 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