Lebanon County 4-H members from left, Alex Werner, Jennifer Watson, and Dianna Zackey, preview some of the items that will be up for bid on Thursday, Aug. 1 as part of the Lebanon County 4-H Benefit Auction, Lebanon Fair grounds. Auction To Benefit Lebanon County 4-H Program LEBANON (Lebanon Co.) On Thursday, Aug. 1, the 21st annual Lebanon County 4-H Auction is scheduled to benefit 4-H youth and adult leader edu cation and leadership programs. Featuring items sure to appeal to the avid auction bidder, sale items include farm toys, hand made craft items, collectibles, movie passes, gift certificates to area restaurants and businesses, specialty gift baskets and much more. The auction is a fund raiser for the county 4-H development fund and organizers hope to raise more than $4,000 this year. The Lebanon County 4-H board of di rectors coordinates the event and contacts over 100 area businesses and crafts persons for donations. The auction includes special theme gift baskets assembled by the members of the county 4-H Buckwheat Valley Produce "Come zoitfi your Budgets Mlnmlff to Snyder County - y _ ( Tfte Tfomkss ‘Bfocl(6erries are ripe!” • Pick your own thornless blackberries in y™;“ ers H $l.OO ib. QHg) • Call for picking days • Please initial your containers Asfe,, J ■ No Sundy calls "^Ksjjr LLoyd A Barbara Sauder Family R.D. #2, Mt Pleasant Mills, PA 17893 570/539-2272 Blueberries - Blackberries Southwest of Mt Pleasant Mills, Snyder Co on Buckwheat Valley Rd clubs and Farm Women societies. Clubs have selected themes based on their 4-H projects such as dairy, horse, goat, or a more gen eral theme such as a, “Welcome to the Community” or “Pennsyl vania Products” basket. The auction will be conducted from 6 p.m.-9 p.m. in the North Hall of the Lebanon Area Fair grounds, Cornwall and Rocherty Roads, Lebanon as part of the Lebanon Area Fair. The money raised helps to fund educational materials, member and leader ac tivity fees, transportation costs, and awards for the county’s 1,450 4-H members and 162 adult vol unteer leaders. For more information or to make a donation, contact the Lebanon County Extension Of fice at (717) 270-4391 between 8:30 a.m. and 4:30 p.m. Asparagus-Rhubarb Strawberries Red & Black Raspberries Family Living Focus by Sarah Siegel Clarion Co. Extension Agent What Flavor Is Your Credit Card? Did you know that credit cards come in three different flavors? Each flavor has its own special features and conditions. Under standing the advantages and dis advantages of each type of card will help you decide which card is right for you or your family member. The most common credit card is the unsecured card. You, the borrower, agree to pay the card issuer, the lender, the amount you charge, or borrow, each month. The card issuer looks to your good faith effort as the sole source of repayment of the amount owed. There is no collat eral to look to if you default on repayment. The credit limit on your account is the maximum amount you are authorized to borrow at any given time. Do you think of your credit card as a personal line of credit? Probably not, but that’s what it is. The Annual Percentage Rate (APR) is the yearly interest rate. This is like the interest rate on your mortgage or auto loan. The APR is converted to a daily rate when it is used to calculate any finance charge you may owe. Like any other type of loan there Schuylkill County Ag Museum Expands SUMMIT STATION (Schuylkill Co.) Since early this spring, members of the Schuylkill County Agri cultural Museum have been setting up displays in their new addition to the original museum building. The addi tion doubles the size of the museum and is already al most filled to capacity with different displays. While at the museum one will be able to follow differ ent types of antique equip- is a payment due date and penal ties for late payments. Unlike a fixed amount, fixed term loan, credit cards give you some choice on the amount you have to repay each month. And, of course, the credit card can be used for a variety of purchases in many different locations. The way you manage your un secured credit card account is re ported to credit reporting agen cies. If you manage your credit cards according to terms, your credit report will show that you are financially responsible. If you have a large outstand ing balance, charge over your credit limit, or have a history of late payments, this information will also be part of your credit re port. If you apply for new credit, such as a car loan or home mort gage, negative information may cause you to be charged a higher interest rate or even to be denied the loan. Secured credit cards are simi lar to unsecured credit cards in that they may be used to pur chase goods and services. But a secured card requires you to open and maintain a savings ac count as security for your line of credit. Your credit limit is a per centage of your deposit, typically 50 to 100 percent. Normally, you ment that start with land tillage and end with the harvesting of a crop. Smaller display areas de pict other aspects of past rural life with an old farm kitchen area, a wood shop, and other dis plays of small equipment used in the home, farm, and businesses of days gone by. The newest highlight of the museum is the engine room. Here many Ag Museum members have vintage tractors and hit and miss engines on display. The most unique museum tractor is the “Victory Garden Tractor” which sr Farming, Saturday, July 27, 2002-B7 Lancastei will be paid interest on your se curity deposit although certainly at a much lower rate than you will pay on an outstanding ac count balance. You may also have to pay an application fee and a processing fee some times totaling hundreds of dol lars. Secured credit cards usually have an annual fee and higher interest rate than an unsecured card. You receive a statement and make payments as you would with an unsecured card. The security deposit is used only if you fail to pay. While expensive, this type of card is useful for establishing or rebuilding your credit. Of course, you must manage your account well in order to accomplish this goal. The Federal Trade Com mission cautions consumers that some advertisements for secured cards may omit important in formation, so be particularly cau tious if you want to apply for a secured card. A third type of credit card is a prepaid credit card. Much like a prepaid phone card, the purchas er buys a card with a specific value. The card user then can make purchases up to the value of the card at a variety of loca tions. Prepaid credit cards are marketed as a gift idea or as a way to introduce teens to man agement of credit cards. This type of card is preferable to a store gift card because it allows the young person to comparison shop. And it does give parents a way to monitor their child’s spending while giving them some freedom to make their own choices. Many prepaid cards can be “reloaded” via phone or Internet using another credit card. But take note that the prepaid card does not allow the user to estab lish a credit history. was constructed in the late 20s from old model “A” car parts and used originally to plow snow in Deer Lake before there was a Deer Lake. Another prized piece is the 40 hp Bessemer hit and miss engine. In a pavilion portion of the building provisions are being made to install a belt driven 65’ Frick saw mill. The Schuylkill County Fair runs July 29 through Aug. 3 and for more in formation visit www.schuylkil lfair.com or call the fairgrounds at (570) 754-FAIR. ! :Bl i sm Gas and Wood Stoves 1060 Division Highway 322 East. Ephrata. PA 17522 1 Block East of Rt 222 (717) 733-4973 800-642-0310 www.bowmansstove com Mon. Toes. Wed 10 to 6. Thors Fn 10 to 8 Sat 10 to 4
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