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