Image provided by: The Confederated Tribes of Warm Springs; Warm Springs, OR
About Spilyay tymoo. (Warm Springs, Or.) 1976-current | View Entire Issue (Oct. 9, 1987)
Spilyay Tymoo Warm Springs, Oregon Octobers 1987 PAGES Shop around for the best bank card Seveny-two million people in the U.S. had one or more bank cards in 1985. The average credit card user had two bankcards. There are difference between bankcardi which can tave you money if you thop around. Each institution sett its own annual feel (if any), the annual interest rate up to legal limits and the maximum line of credit. The complete cost of a bankcard depends on the consumer's spend ing habits and bill paying practices. Other factors also make a differ ence, including the following: Annual fee: Average fees for bankcards ranged from $12 to $25. Some institutions still offer "no fee" cards, but these are less common. Annual interest rate: Rates vary depending on the issuer and the state laws where the institution is based. Cards generally average from 15 percent to 21.9 percent. Grace Period: Some cards have a 25-30 day grace period on pur chases. This is the time between the date of the purchase and the date of the bill must be paid to avoid inter est charges, also known as the float. Many institutions are no longer allowing a grace period. This will cost you money to use your card even if you pay it off when you receive a bill. Some institutions charge from the date the purchase is posted on the account and others from the actual date of purchase. Billing procedures: There are seve ral ways of calculating the balance on a credit card. Your total pay ment can differ according to the billing procedure used even if the interest rates are the same. Interest is figured after subtract ing the payment with the adjusted balance method. This results in the smallest interest charges. Consumers pay more with the average daily balance method. Finance charges are applied to the average daily balance which is fig ured by totaling the balance lor each day in the billing cycle and dividing by the number of days in the cycle. Bankcard Comparisons: Switch ing to a no-fee card appeals to con sumers who pay off their account every month. However, some no fee cards could end up being more costly in the end. No-fee cards often come with no grace period and may carry a higher interest rate. How much can be saved by changing to a low-rate card? Foe. consumers who carry a monthly balanced the switch makes good sense, providing there is a large enough difference in rates. For example, on a $800 balance at 18 percent APR the finance charge is $12 per month versus $10.67 at 16 percent. In this case, the savings of $1.33 monthly or SI6 annual may not be viewed as worthwhile, con sidering the inconvenience of fil ling out new forms and paying another annual fee. Shop around and compare the cost of using your bankcard. Com pare the interest rate, annual fee, grace period and method of deter mining interest charges. You may be able to find a better deal elsewhere. a1 Tht Warm Springs Extension Strvlct provides tqual access to all Hi activities and programs. OREGON STATE UNIVERSITY (TENSION SERVICE Eralna Palmer Secretary Jonl David Program Aide Arlene Bolleau Extension Intern Mollle Marsh Extension Agent Clay Penhollow Extension Agent Brucellosis vaccination affects '87 calves In the last session of the Oregon State Legislature, the laws govern ing vaccination for burcellosis ( Bang's Disease) were changed in a manner that will affect many producers. Young athletes need nutritional advice In view of the vast amount of misinformation on nutrition and exercise Americans are exposed to each day, it is comforting to note that parents are still the primary source of nutrition information for young people. Parents can be especially helpful to young athletes by providing sound nutrition information and meals that include a variety of foods. that exercise increases the need for calories and water. Those concerned with building muscle mass need a well-balanced diet that includes enough calories to free protein for use in physical growth. Of course, the most important factor in the development of mus cle is increased use of that muscle. There is no substitute for exercise. It is also important for athletes Young athletes need to know to understand that protein supple- 4-H clubs announced CLUBS Boys Cooking Rifle Outdoor Survival Photography Crochet Cultural & Heritage Club M 'es Arts and Crafts Grooming Rabbit Beadwork Leather Shawl Making Career (Jobs) Quilting Silver Making LEADERS Arlene Graham Millie Wtfson Steve Caddy Keith Baker Keith Baker Steve Caddy Esther Kalama Olivia Kirk Virginia Forseth Mary Smith IndianPat Smith Beatrice Winishut r Reggie Winishut ' v ' ' ""Defia-Walsey-" " Carol Allison Jeri (Brunoe) Wierher Arlene Boileau Tommy Kalama Caroline Tohet Elliott Switzler Laura Switzler Margie Earl Eraina Palmer Harry Miller mcnts do not increase muscle size. However, such supplements do increase the need for water, and stress on the liver and kidneys. The body does not store protein so it must be used for growth, repairof tissues, hormones, enzymes, and other regulatory substances, or it must be processing. In pro cessing, the nitrogen is protein is split from the carbon chain com ponent and discarded as urea. The carbon chain component of pro tein is then used for energy in the same way the body uses carbohy drate. While many young athletes know that carbohydrate is a good source of energy for exercise, many do not know the food sources of carbohy drate. Parents can assist by identi fying foods breads, cereals, pas tas, vegetables and encouraging their use. They can also identify sources of fat butter, margarine, salad dressings, fried foods, pies of pastries and discourage their use. The basic rules ol good nutrition Under the new law, any female calf offered for sale must have been vaccinated for brucellosis if she was born after January I, 1987, and is over four months of age. The vaccination must have been com pleted by the time the heifer is eight months of age for the dairy breeds and by twelve months of age for the beef breeds. Please note that this will not afreet this year's calf crop. Previously, it was required that heifers be vaccinated by the time they became one year of age. The law didn't require that the first seller present a vaccinated calf so long as she wasn't over a year of age. Under today's version of the law, the only way you can sell unvacci nated heifer calves over four months of age is to sell them for immediate slaughter. Those who have not been vacci nating their replacement heifers can maintain this practice, but they face a severly restricted market for open heifers and cows that may need to be sold for any of several reasons. They can go the slaughter market and that is it. The vaccine for brucellosis is res tricted to the use of veterinarians. Therefore, you should plan this portion of your vaccination pro gram well in advance so that you will not have scheduling problems. For more information contact Clay Penhollow at the Extension office at 553-1 161, ext. 238. Working parents carry heavy burden The "new family" these days is likely to have both parents work ing or is headed by one parent who has the compound responsibilities of working, running the home, and rearing the children. The current emphasis on child ren's needs for enriched experien ces coupled with parental work roles in producing a lot of guilt feelings for parents. Some parents allow guilt to prevent them from giving their best at work and at home. They let it limit their pro ductivity and use a great deal of energy in "worry time." Guilt is especially prominent among working parents of young children. As women attempt to apply to athletes and non-athletes juggle the roles of homemaker, alike; variety, balance and modera- worker and spouse, they worry tion. No food or supplement will about being a success in any of increase physical performance, but these jobs, getting the energy and necessary Very real conflicts exist if these nutrients from, food allow you to i persons believe they can't be a do your personal best. good parent or homemaker if they work. It's especialy difficult if a parent worker's inner feelings or the standards of co-workers clash with what is possible for the parent to achieve. . If you are a working parent who is giving home, family and job your best, you cannot judge yourself by another's standards of what a good parent should be. Above all else, good parents provide for their children in both finances and nurtu rance. But it's better to say, "111 be the best parent I can be while fulfilling several other jobs." When you accept you are doing your best with your many tasks, you will feel better and more confident in yourself. In American society it is easy to feel guilty about having to work while raising a family. The tradito nal family style was built on moth ers at home and father at work. Now, fewer families fit this pattern since more fathers take care of honjes and children while mothers work or one parent heads a house- Does your off ice chair fit you well? hold, or both parents work out of the home. Guilt is the basis for much unhap piness that can be eliminated with a new frame of mind. When you decide that guilt stems from unreal istic expections of yourself, you will make it alot easier. Family Fruit Buying Trip Saturday, Oct. 24 to Hood River Pick up pumpkins for the "Great Pumpkin Party", apples and cider. This is a family day. No child may attend unless accompanied by a parent. NO EXCEPTIONS!! Contact the Community Center or the Extension Office. Deadline to sign up is October 16. 1. Does the chair feel comforta- 3. Does the chair have sturdv ble and is it properly sized for the, arms at a height that enables the user? v person to use them when pushing i. is the cnair stable enough so it up and out of the chair? won't tip over when weight is app lied unequally to an arm or else where (e.g., easily tilting aluminum lawn chairs are dangerous). Energy questions answered Q. My neighbor says it's bad to burn trash in my wood stove. Is this true and why? A. We don't recommend burn ing trash in your wood stove for the following reasons: Trash includes paper and paper burns hot, usually hotter than wood. If you have creosote build-up in your chimney, a hot fire in your wood stove could start a chimney fire. Chimney fires are a major cause of house fires. Household trash includes plastic bags and bottles, cereal boxes and newspapers with colored ink, and a number of other materials that produce harmful fumes when burned. These fumes contribute to air pol lution outside. But more impor tant, the fumes could pollute the air inside your home, and affect your family's health. Don't burn trash, treated lumber or painted wood in your wood stove. The risks outweigh the sav ings in wood. Q. Our gas water heater sprang a leak and we want to replace it with a well-insulated one. Is there much Check your furnace Proper furnace maintenance will help assure safe, efficient performance and reduce energy consumption for the winter months. Routine maintenance should include the following: Cleaning or replacing dirty filters. Lubricating fan motors. Checking belts, replacing those worn or damaged. Cleaning floor and or wall regis ters. Vacuuming dust and lint from baseboard heaters. Cleaning and adjusting burners on fossils fuel fired units. Checking chimney for blockages, soot build-up. Checking vents and flues on gas fired units for corrosion, looseness, leaks. For more information or assist ance, contact your furnace dealer, heating contractor or local gas utility. difference in heat loss between a 52-gallon and a 66-gallon tank? A. If you buy a highly insulated tank, say, greater than R-l 6 insula tion, tank size will have only a minor effect on your utility bill. A typical superinsulated tank of 66 gallons will lose your six (6) per cent more heat than its 52-gallon counterpart. How much does this amount to in dollars per year? That depends on where the tank is located, its thermostat setting and what you pay for natural gas. Typically, you would pay less than $ 1 per year in heat loss for the larger tank. More significant is the purchase price. Price of the larger tank may be as much as $60 more than the smaller one. Be sure you select a size that meets your daily hot-water needs. Figure 16 gallons of hot water per person per day. If you seldom ran short of hot water with your old water heater, there's no point in getting a lareer one unless vou expect your family size to grow. Q. Our camper has a unvented kerosene space heater. It is right to leave the heater on all night in the camper? We need some heat, but are concenred about breathing kero sene. What precautions should we take? A. Don't leave the heater on while you sleep if it's unvented. If the heater malfunctions, it can pro duce carbon monoxide, which is poisonous and can cause death. If you must have heat and are going to use the heater regardless, open two windows at least one inch and put the heater in the air flow between the two windows. YouU waste heat, but you'll sleep safer. Better yet, replace your present unvented heater with a "direct vent" heater that vents exhaust gases to the outside without ever mixing with the air you breathe. Direct-vent heaters are available for use with kerosene as well as other fuels. 4. Will the arm height and style allow the chair to be drawn up under a table, so the person can be close to the table top for eating or working? 5. Does the arm height allow the person to use the chair's arm rest to their own arms comfortably while seated? 6. Does the depth of the chair seat permit easy exit from the chair? 7. Is there sufficient cushioning in the chair or are pillows or pads needed to comfortably support the person? 8. Does the design provide back and head support? 9. Is the seat height appropriate for the user's knee to floor dimen sion, so they can place their feet comfortably on the floor? 10. Is there sufficient clearance under the front of the chair to per mit the user to move their feet under it to help when getting up? 11. Will the weight of the chair limit its movement for conversa tion grouping or room rearrange ment? 12. Will the size of the chair have any effect on room circulation pat terns? v 13. Can the materials be cleaned easily? 14. No single chair is likely to serve all needs. What activities will one chair serve? What other activi ties require a different style of chair? 1 5. Is the arc of a rocking, pivot ing, or swinging chair safe, or can the person lose their balance in the chair? 16. Are chairs (and other fur nishing) easy to clean under? Handbook helps with home buying, building Aging parents need guidance When parents grow old, it may seem obvious to everyone in the family but them that they need help or special services. In fact, elderly parents may resent any suggestion that they can't do for themselves. It's hard for most people to accept they are not as independent as they once were. It's not advisable to simply take matters into your own hands and arrange to get special help for your relative, unless he or she is men tally incapacitated. You can't force them to accept your help. Instead of force, try to sell your relative on the idea of doing what you believe is in their best interest. A loving, caring attitude will general ly get your further than a "I know what's best for you"attitude, which is most likely to increase resistance and anger! If parents are not willing to listen to you, might they be willing to listen to someone else such as a respected friend their ow n age or a professional! If they're unwilling to listen to anyone, all you can do is to clearly express your feelings and set limits on what you are willing to do. It's important to try to under stand the feelings behind the resistance. Fear and anxiety are common and can be dealt with. Patience and understanding on your part can also help. Talking with a profes sional counselor can often provide valuable insight. For more information, contact Warm Springs Extension office and , ask for the bulletin. Aging Parents: Helping When Health Fails. If you are planning to buy, build, or remodel a home, take a look at the "The Family Housing Handbook." This publication, available through local county offices of the Oregon State University Extension Service, can be a very handy and portable tool in evaluating homes for possible purchase, or remodeling. "The Family Housing Handbook" is published by the Midwest Plan Service and has been through sev eral editions since it was first intro duced during the 1960's. Copies are $6,00 each. We tend to think of planning as something that occurs at the build ing or remodeling stage of a house, but planning is just as impor tant when considering the purchase of a home. The handbook focuses on the arrangement of spaces in the home to provide a background for the people living there. Simple guide lines are provided for the evalua tion of traffic patterns, size, and location of rooms. The handbook provides illustra tions and dimensions required for various activities such as dressing, dining, cooking and other activi ties. These guidelines help insure that all necessities will be consi dered, and more importantly, that small decisions will not override major decisions in the planning process. Using the handbook as a check- mi can be a handy way of double checking any house buying or remo deling plans under consideration. Cabbage Patch Soup 2 cups finely chopped cabbage" 1 small onion, cut fine ' 2 cups milk 2 tbsp butter 2 tbsp flour salt and pepper to taste Put cabbage and onion in one quart of water and boil until very tender. Then melt butter and added flour and cook one minute without browning. Add warm milk, cook until smooth. Four into the cab bage mixture. Heat to boiling point and sprinkle w ith paprika or chopped parsley. Serve piping hot with bread sticks and grated cheese. "Coping ivifh Caregiving" Tuesday, October 20 3 to 5 p.m. Sr. Buildino 7 fo 8:30 p.m. Community Confer This is for anyone who is a care giver, such as: "'works with the elderly elderly parents grandparents raising a child "handicapped child, parent or spouse Conducted by Vicki Schmall OSU Gerontology Specialist "Insects in the Home" Monday, October 26 2 p.m. Community Center 7 p.m. Community Center Joe Capizzi Etomologist 'Self-Esteem as a Tool for Stress Management" Monday, November 9 7 to 8:30 p.m. at the Community Center Session will discuss: How feeling good about yourself can help you deal with stress How to feel good under stress How to lessen stress How to identify kids under stress and how to help them 'Positive coping mechanisms Offered by Ruth Harmelink, OSU Family Specialist