Tht Atamumt Enttrprite — Thursday, Dtumbtr 19, 1995
Hiawatha Grange
23
Managing Money
Month By Month
The 1440th meeting of Hiawatha
To manage your money wisely in
Grange took place Dec. 3 with 1966, organize your financial life
Alice Roe, worthy master, presid- with a monthly program. Perform
ing.
some financial maintenance each
State treasurer Robert Payne month and you'll gain better
was present to obligate Roger control over your money.
Teator in the degrees of our order
Here are some ideas to help you
and they will be conferred in full in 1986:
form next May.
January: The sooner you make
The Grange accepted the sugges- contributions to a 1986 IRA, the
tion of the committee of Toni and more tax-free earnings you'll accuEric Grunwald to have the dutch mulate. If self-employed, open a
treat Christmas dinner at Rest Keogh.
Seekers Inn, East Berne on Dec. 17
February: Draw up a budget.
at 7 p.m. ordering from menu and Figure out your expenses for each
exchanging of gifts in grab bag.
month of the year. Then, add up
Deputy Lorraine Loucks report- your income from wages and
ed that Roger Holbert led the investments for each month of the
meeting and gave several helpful year. Subtract the difference to
suggestions at the Eastern Coun- determine your "discretionary"
ties Membership meeting at Hia- income, if any.
watha Grange Dec. 2. Mr. Holbert
March: Plan to reduce taxes this
JAMESSHORT,II
is worthy state gatekeeper.
year. Estimate your 1986 taxable
The literary program opened income. Make sure you're not
with the Biblical reading of the having too much withheld from
birth of Jesus by worthy lecturer your weekly paycheck.
Seaman James Short, II recently Lorraine Loucks. All sang "Silent
April: Deal with debt. If you are
completed Navy basic training at Night," which was followed by a in debt because of credit cards,
Great Lakes Naval Base, 111. He is Christmas reading with a sentence consider consolidating credit loan
now receiving specialized training for each letter. A menu was made cards.
at Hull technician School in Phila- from the letters of Christmas. A
May: Tune up your savings. If
delphia. Short is the son of Mr. and Christmas quiz was next after the you are maintaining a savings
Mrs. James Short of Quay Road, song "Winter Wonderland." The account, be sure to leave no more
program concluded with a Christ- .than a three to six month "emerDelanson. mas candlelighting service and the gency fund" in ordinary savings or
song "O Little Town of Bethle- money market accounts.
hem." The lecturer announced that
June: Manage risks. Review
the symbol for 1985-86 is three
Helderberg Senior Services, figures holding hands inside the insurance policies. If you were to
Inc., serves weekday luncheons at seven-sided emblem.
become disabled or suddenly die,
Hiawatha Grange Hall, Route 32,
what cushion has been provided for
The Grange voted to have as its your family.
Dormaasville, to persons over 60
and their spouses. Phone 797-3652. giving-for-Christmas project a July: Devise an investment strabetween 10 a.m. and 2 p.m. for needy family suggested, by Hill- tegy. Writing down three main
Community
Resource investment goals gives you a
reservations one day in advance. towns
Suggested donation is $1.70 per Center. It also voted to register for notion of whether your goals are
person for luncheons and $2 for afloat in theTri-Centennial parade realistic, and it shows how much
Friday evening meals, served on in Albany, July 19.
income you need to achieve these
Robert Payne brought greetings goals. Match goals with investthe first and third Fridays of each
month. Contributions are confiden- from bis family and Ravena ments.
tial and no one will be turned away Grange.
August: Retirement planning is
because of inability to contribute.
Refreshments were served by advisable for almost everyone over
Edith
Lansing.
Main courses for next week's
30. At this age, consider contributmeals: barbecued1 pork on bun,
ing the maximum amount to an
Monday; roast chicken, Tuesday;
IRA. People in their 40s should
center closed Wednesday, Christthink about when they would like to
inas Day; liver and onions,
retire and where. People in their
The Ricketts family gathered for 90s may want to begin looking for
Thursday, fish loaf with cream
their annual 'Tutting the Christ- ways to raise equity.
sauce, Friday.
tree'.' Sunday. Those particiAll meals include homemade mas
September: Figure out your net
were Ray and Lora; Marcia
bread, rolls or biscuits, butter, a pating
worm. Add up your assets. Then
and:
sons;
Brandon
and
Miles
of
variety of side dishes, dessert, Ravena; Kathy, Scott and Kassi of total your liabilities. Subtract liamilk and a hot beverage.
Beaver Dam Road; and Danny and bilities from assets to find your net
A Brownie troop from Westerlo friend, Eileen Newell of Albany.
worth. Annually examining your
will join a troop of Brownies from
net worth will make you aware of
Ray and Lora Ricketts were major trends in your financial well
Greenville on Monday, Dec. 23 to
sing carols at the center. The Sunday evening dinner guests of being.
Marcia Pangburn and sons Branprogram will be at 11:30 a.m.
October: Determine how your
don and Miles at their home in
Ravena. Ray drove their tree down estate will be divided in the event
for them as they only have a small of your death: If you do not have a
In Westmere, the Enterprise is car, and then put it in the tree will, you may want to consult an
sold at Star Supermarket, Star stand, as the boys are still too attorney to draw up one. Also,
Plaza; Westmere News-Variety and smaU for that job. When Ray and existing wills should be updated.
Stewart's Ice Cream Shop, both at Lora left for home, they had lights
November: Review deductible
the corner of Routes 20 and Gipp twinkling on their tree.
expenses you've paid since JanuRoad.
ary 1. Beware of year-end tax law
Martha Longacker has been very changes and consider hiring a CPA
ill
for
the
last
week.
She
had
been
aCTPWowatwuwiUHoaogti
for year-end advise.
feeling fairly well and then had a
December: Catch up on record
relapse. We can only hope she'll
keeping. Make sure all receipts
feel a little better by Christmas.
will be available for filing 1986
income taxes. Organize all re- ,,;
ceipts, old bills and budgeting aids.
NOTE: This article, prepared by
L a w n ft G a r d e n
the New York State Society of
Certified Public Accountants, contains opinions which are officially
We Are
endorsed by that organization. —
Editors
Stocking Dealers
Completes Basic
Senior Meals
Thompson's Lake
KNIGHTES
FARM
EQUIPMENT
• Yanmar
• Snapper
• American
• EZ Trail
• Bush Hog
• Hudson
• Woods
Rte. 158
Guilderland Rd.
355-4669
Dormansville
Joy t o the
World
May the Spirit of
Christmas be felt in
every heart and
home.
Cindy's
Country Kitchen
&
The Villas* Mart
. ' 1 . IHIJ-
A cold but clear and sunny day
greeted the third Sunday in
Advent. We added.the candle of
purpose after preparation and
promise — the first two candles.
Next Sunday, Dec. 22, there will
be worship and Sunday school at
the regular time and at 7 p.m. the
candlelight service.
Remember that all are invited to
go caroling Saturday, Dec. 21, at 2
p.m. from the church.
Christmas time is the time to
hear from former friends that may
be living at a distance. It is always
good to hear from them and know
they follow the news in local
papers. It should be an incentive to
give, us news items so that they
may know what we're doing.
Several elementary children
from here participated in the
Christmas program at Greenville
when they presented "North Pole
Goes Rock and Roll." On Saturday
a group from the Ugh school made
a triptoNew York City.
May tha Star of Bathfoham shin*
foravar in our hearts and k««p us
with happy thoughts of faith, goodwill for all mankind.
Mmln Street
Altrnmont, Nmw York
James R. Yohey, Lie. Manager
Mark R. Burlingame, Lie. Associate
Porter E. Bidieman, Lie. Associate
861-6611
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