Spilyay Tymoo
Warm Springs. Oregon
November 13, 1992 PAGE 7
Financial fitness checklist identifies man
If your financial situation makes
you feel uneasy you ore not alone.
Changing income patterns docsn'i
necessarily me an disaster, A financial
checkup will reveal if there ore po
tential problems.
Read each statement. Write "Yes"
or "No".
I) You tend to be late in
paying bills; you "shuffle" them
around paying some creditors this
month and others next month.
2) You lake out a loan to pay
off old ones, thereby extending the
payment time.
3) You're spending more than
20 percent of your take-home pay to
pay off debts (excluding mortgage
payments).
4) You have no reserve cash
or liquid assets to meet emergencies.
5) You depend heavily on extra
income bonuses, overtime, moon
lighting to get you over rough
spots.
6) You find it harder and harder
to save. Your passbook shows more
withdrawals than deposits; you cash
in savings bonds long before they
mature.
7) You don't have enough re
serve to tide you over a major upset
like a pay cut. You aren't prepared to
replace big items like household
equipment.
8) You use credit to purchase
tilings like clothing that you should
have anticipated the need for and that
you previously bought with cash.
9) Bills once paid promptly
ore now shuffled to the bottom 01 the
pile. You wait a longer and longer
time to pay them.
10) You rob Peter and pay
Paul. For example, you dip into funds
accumulated for insurance premiums
to pay the water bill.
j II) You can't figure out where
your money goes. You don't believe
you spend it foolishly, but there is
not much to show for all your outlay.
12) You have lost track of
what your debts add up to. You have
to scrounge for money to make
monthly payments, and because you
use a lot of crcd it, the balances owed
don't seem to decrease much.
14) If your checking account
has an overdraft loan feature, you
use it frequently
15) Some of your creditors
have started sending you reminders
about overdue payments.
16) You writechecks but have
not developed a system to show the
correct balance.
17) You don't discuss money
with your family, because you feel
uncomfortable or arc afraid it will
start an argument.
18) Your financial situation
makes you feel depressed.
19) You've had to borrow
money from parents or other close
relatives just to meet basic living
expenses.
20) You're at the maximum
limit on your bank credit cards.
SCORING
Count the number of responses
marked "Yes".
Five or more "Yes" responses in-
v problems
uicatc two possible diagnoses:
licate two possible diagnoses:
1) You have "spendnis" you
ore overspending, but you don't know
in what areas.
2) You have "amnesia" you
don't remember where your money
goes you just know where there's
never enough.
You definitely need a financial
fitness program. You must become
aware of how your money is actually
being spent. You should try a track
ing method. This medicine may be a
bitter pill to swallow, but it will help
you to determine where your money
goes. You can then decide if you arc
satisfied with the spending pattern
your tracking reveals.
If you had fewer than five "yes"
responses, you don't display enough
symptoms for a diagnosis of cither
spendilis or amnesia.
Information provided by:
Warm Springs OSU
Extension Office
1131 Paiute Street
553-3238
Extension office moving to new location
ricasc come to the 411 Recognition Night on Wednes
day. November 18, 1992 from 7:00-8:00 p.m. at the 4
II Center. Members please be sure to bring your fami
lies. Evenone is welcome to come even if you would Just
like to know more about 411. Hope to see you there.
maiurc. use it ircqucntiy. v
Prepare teenagers to manage stressful situations in their lives
Whether you're the parent of a stressful situations, Harmclink went bcalonc when they arc hurt emotion- something they enjoy that will tak
It appears as though the change
for the OSU Warm Springs Extension
office will finally happen. We are so
excited that carpet has now been put
into the Education Center. We can
move!
By the time you receive this paper,
we will be in the middle of the move
from our present location to our new
location in the Education Center (old
Boy's Dorm). We will be located on
the first floor. That is between the
basement and the top floor. Also on
the first floor with us will be the
Culture and Heritage Department.
Oursccrctary will be located close to
the hall door on the West end of the
building. We will put up some sort of
sign to identify her office as soon as
we can. So if you come to sec us, look
for her office first and she can direct
you to whoever you need to sec.
We hope to have our move com
pleted by November 16, 1992. As
many of you know we have had a lot
of phone problems. It may still take
us some time to get all of those
problems taken care of after we move.
Our numbers will still be the same as
arc listed in thedircctory. If, however,
you arc unable to get a hold of us at
553-3238, be sure to call the Educa
tion Branch at 553-3596 and they
will get us the message. We really
appreciate your patience with us and
all the telecommunications problems
we have had during the past two
months.
teenager, a volunteer leader for a
group of teens, or an employer of
tccns.you'rc going to encounter teens
trying to handle stress. Be prepared
to help them.
You may not think teenagers face
much stress, but they have stressful
situations, loo. notes R uih I larmclink,
Oregon State University Extension
family life specialist Failing a lest,
having a fight with a friend, or being
"put down" can seem like the end of
the world to a teenager.
In addition, teens haven't had
much lime to learn to deal with
on. It takes time to learn to be a good
stress manager.
Teens, like everyone else, react to
stress in three ways; they get angry,
withdraw, or take charge.
If they get angry or aggressive,
they gel your attention. But that
usually causes more stress in the long
run. Drinking too much, driving
rccklcssly.or breaking thingsdocsn't
solve problems, it only creates more
stress. Do what you can to discour
age this reaction.
Withdrawal also can be destruc
tive. It's normal for people to want to
be alone when they arc hurt emotion
ally. But, if they continue their
withdrawal for a long time, they're
keeping themselves from what they
need most understanding, sup
port, and help from others.
"When under stress, teens may
complain of a churning stomach or a
headache," Harmclink says. Fear
creeps through their bodies.
When in this situation, try to get
teens to talk to someone they trust
and share what bothers them,
Harmclink suggests. Listening to
music and relaxing helps, as docs
physical exercise. Let teens do
something they enjoy that will take
their minds otf the problem.
Sometimes teens can talk to
friends or the parents of friends.
Others talk with a coach or an em
ployer. If someone comes to you to
talk, get them to lay out the problem
and discover ways to solve it.
Protect carpet, vacuum regularly
No carpet lasts forever, but you
can add years of life to your carpet
with regular care. One of the reasons
a carpet wears out is that dirt particles
get trampled deep into the pile where
DANGER-Children and Lighters
Aging process affects sleep patterns
By the time they arc 60 about 80
of people find that they arc waking
up more often during the night and
earlier in the morning. Though the
amount of time spent in bed may
remain fairly constant, actual sleep
time usually lessens: while eight
hours of sleep is typical at age 20, six
hours may be more likely at 50. Ac
cording to sleep researchers, these
changes in sleep patterns arc a natural
part of the aging process and are
nothing to worry about.
Compensating for changing sleep
patterns:
Stick to a regular sleep schedule.
Get up the same time every morning,
no matter how well you slept. Don't
oversleep on weekends.
Avoid caffeine in the late after
noon and evening, and if you smoke,
quit. Caffeine andor cigarettes can
keep you awake.
Daytime exercise can improve
sleep, but avoid strenuous workouts
near bedtime.
If you suspect that a medication
is interfering with your sleep, consult
your doctor or pharmacist.
Avoid napping in the late after
noon and evening.
Don't count on alcohol: it pro
duces light, unsettled sleep, and of
ten the sleeper will suddenly snap
awake.
Avoid sleeping pills, which
typically lead to further disruptions
of the body's normal sleep cycle
increase in fragmented sleep, dis
turbing dreams, and daytime fatigue.
Taken nightly, sleeping pills lose their
effectiveness, and some may become
addictive.
Sleeping less than five or more
Do you know that your 3-ycar-old
child may be capable of lighting your
cigarette lighter?
About 200 deaths each year arc
associated with fires started by ciga
rette lighters. Of these, an estimated
140 deaths arc the result of children
than ten hours a night may be a sign playing with lighters; most of the
of clinical depression. You should
check with a physician in this case.
Personal resume important in securing job
Seeking employment is of pri
mary importance to many people on
the Warm Springs Reservation as
well as throughout the United States.
To be gainfully employed contributes
to a person's sense of well being and
gives a feeling of ownership and
contribution to the community. One
of the first and most important tools
to securing that job that may just
have been listed is the Personal Re
sume. According to the Webster's New
Collegiate Dictionary, 1977,thc word
resume means "a short account of
one's career and qualifications pre
pared typically by an applicant for a
position." The resume is one of the
first things a prospective employer
will see in addition to the official
application. First impressions of the
application material are often the
most important. For example, if the
application andor resume is incom-
The Roundup
plctc, it may indicate to the employer
that the applicant docs not follow
written instructions or may perform
work assignments in an incomplete
manner. A clean, complete resume
shows the potential of quality work
from an applicant more so than one
that has been copied several differ
ent times. Appearance of the appli
cation, resume and cover letter can
be the determining factor of being
called for an interview or not.
According the Oregon Employ
ment Division in their publication,
schooling, work experience, and
skills. No one order is better.
4. The resume should be aimed at
one job or employer. If you have
many job skills, write a new resume
for each type of job.
5. The resume should be typed
and neat.
Also included in the publication
are tips how to get started, arrange
ment of resumes, a sample cover
letter and a few sample resumes. This
publication can be picked up at the
Employment Division in Madras or
victims arc less than 5-ycars-oia.
Children who survive such fires are
often severely burned, resulting in
disfigurement for life and emotional
adjustment problems. Many of these
tragedies arc avoidable.
Cigarette lighters, particularly
disposable ones, are fascinating to
many children. They
are colorful,
fit easily into a small hand,
have a wheel that turns and emits
sparks, and
produce a small flame.
This is a recipe for disaster. Chil
dren less than five years arc twice as
likely to die in a fire as older age
groups and this is largely because of
fires started by children playing with
matches or lighters. Children as
young as two or three years arc known
to have ignited these fires. When a
fire occurs, children frequently run
and hide rather than informing an
adult or trying escape.
NEVER ALLOW YOUR CHILD
TO PLAY WITH A LIGHTER
Keep lighters out of sight and out
of your child's reach. Never en
courage a child to play with a lighter
or to think of it as a toy. Do not use it
as a source of amusement for a child.
Once their curiosity is aroused,
children may seek out a lighter and
try to light it.
Remember small children can
light cigarette lighters!
they rub the fibers like sandpaper.
Protect yourcarpct by vacuuming
it regularly. Vacuum at least once a
week thoroughly. Heavy traffic areas
may require more frequent cleaning.
Here's where speed is no asset.
Vacuum slowly to let suction and the
beater bars do the work.
A vacuum cleaner with a beater
bar agitates the pile and is more ef
fective in bringing dirt to the surface
for easy removal.
And remember, no carpet lasts
forever, even with excellent care. In
7 to 10 years of moderate to heavy
hallway traffic even the best nylon
carpet may look tired.
It will be a great
day
when
our schools
get all the money
they need
and the air force
has to hold
a bake sale
to buy a
bomber
School to offer two days of training March 16, 17, 1993
The Resume, Advertise yourself...... better yet, right here in Warm Springs
there are five basic points that cm
ploycrs agree make a good resume.
1 . The resume should give a single
goal.
2. The resume should be no more
than one page in length. Never more
Uian two. Bnet and clear sentences
are the best.
3. The resume is a list of your
at the OSU Extension Office.
The Extension staff members have
had the opportunity to view many
resumes and create their own
throughout their careers and would
be more than happy to sit down with
anyone and answer any questions
about filling out applications, creat
ing a resume or writing cover letters.
This is not a school on how to ride
a bronc or a bull or anything on four
legs. This is a school for foresters,
consultants, appraisers, logging
managers, falling contractors and
anyone interested in "merchandizing
trees." The school is being offered
March 16 and 17, 1993 at Oregon
State University, Corvallis, and is
sponsored by the College of Forestry.
During the two days, participants
will learn about a new commercial
software called "OSU-Buck" and will
set up an optimal bucking system.
Participants will be able to do a lot of
hands-on work using desktop com
puters and will be shown how this
program can be used in their own
operations. Instructors for the class
will be Eldon Olsen and Steve
Pilkerton. Both are registered pro
fessional engineers.
Registration for the two day school
is $375. If you need a copy of the
brochure, call the Warm Springs Ex
tension Office at 553-3432 and they
will get one in the mail to you. You
can also call the Conference Assis
tant at 737-2329 to register or find
out more detailed information.
Parents support 4-H in many ways
Parents can show interest and en
thusiasm for the projects their child
selects. Help guide your child, but do
not do the job for him or her. Parents
can provide transportation to local
meetings and county activities in
which your child and others of the
club are interested. Parents can pro
vide refreshments for meetings and
special 4-H functions, you need not
wait to be asked, VOLUNTEER!!
Parents can support your 4-H leaders
by becoming acquainted with them;
let them know you appreciate their
efforts. Most of all see that a project
is carried through to completion.
Your son or daughter will thank you
when they look back with fond
memories of a project they completed.
Stepfamilies progress in stages
By Bob Pawelek
OSU Extension Agent
Livestock and Range
Proposal introduced
The Northwest Intertribal Agri
culture Council held it's annual
meeting November 2, 3, 1992 at the
Kah-Nee-Ta Resort. Some very
positive ideas were generated from
the general sessions. After value
voting by the membership in atten
dance, the following items were listed
as priorities for presentation to and
considerations by the National IAC
membership in Las Vegas in De
cember 1992 Ag Bill takes into account
the BIA's position on the Ag Bill;
also heirship, cultural protection, and
resource surveys.
Enhancement programs for cul
tural foods, medicinal plants, and
rivers. Includes water rights and en
vironmental protection.
Increase BIA funding for Ag
programs. Budgeting system, dem
onstration projects to improve pro
ducer participation, and increasing
direct loans.
Irrigation Field Hearings. Dis
cussion of tribal water rights.
Indian Producer Financial As
sistance. Encompasses educational
programs and marketing assistance.
The NWIAC pursues and pro
motes the conservation, development
and useof tribal agricultural resources
for the betterment of Indian people.
It provides a form for Northwestern
American Indian Tribes and native
producers to realize areas of mutual
concern.
The proposals as listed will be
presented through unified input at
the National level in December 1992
at Las Vegas, Nevada.
Rockin 4-H to roll again
As extension livestock Agent for
the Warm Springs Reservation, part
of my position responsibilities in
cludes laying the groundwork for
resurrecting the Rockin' 4-H Club.
I am very excited about this op
portunity as well as becoming ac
quainted with volunteers who would
like to become involved. I would like
to have input all across the reserva
tion as to your suggestions and recommendations.
Once we have gathered input, we
would like to call a meeting of volun
teers to discuss the objectives and
purposes the Rockin' 4-H Club is to
provide our young people.
Suggested purposes we have re
ceived at this point include providing
each 4-H member enrolled in the
livestock project the opportunity to:
Learn basic principles of animal
science by owning andor caring for
and keeping records on one or more
head of livestock.
Demonstrate a knowledge of
sound breeding, feeding and man
agement practices.
Identify types and grades of ani
mals and use efficient marketing
methods.
Learn the value of scientific re
search and its influence upon horse
and beef production.
Develop integrity, decision -making
ability and teamwork skills
through participation andorexhibits.
Practice leadership skills and
roles, taking part in community af
fairs and demonstrate individual re
sponsibility. Explore career, job and produc
tive leisure opportunities.
Develop skills, knowledge and
attitude for lifelong use.
To learn more about this opportu
nity to get our kids involved in
something positive and productive,
give me a call at the OSU Extension
Service Office, 553-3432, or stop by
to visit at 1134 Paiute St.
4hlM)
Strawberry
Yogurt Frost
1 cup strawberries, fresh or fro
zen 2 tsp. frozen orange juice con
centrate, thawed
1 cup (8 oz.) Vanilla yogurt
4 medium ice cubes
Combine all ingredients in blender
container and blend until ice cubes
are dissolved.
Frozen
Yogurt Bananas
1 cup (8 oz..) Vanilla or Lemon
Yogurt
5 firm bananas
1 cup flaked coconut, toasted or
chopped almonds, toasted
1 0 wooden sticks
Place yogurt in medium bowl. Peel
bananas; cut in half crosswise and
insert a wooden stick into cut end of
each half.
Dip banana halves in yogurt to
coat completely. Place bananas
slightly apart on baking sheet lined
with waxed paper. Cover with plas
tic wrap and freeze 1 hour.
When coating on bananas is firm,
dip each banana in yogurt again, roll
in coconut or almonds. Return to
baking sheet, cover and freeze. Be
fore serving, thaw about 5 minutes.
Money is second only to children
as a major problem area for remarried
couples. Even though its important
and each spouse has experience with
money in previous marriages, re
married couples may still have a hard
time confronting important issues.
That's the observation Anita
Mctzen, executive director of the
American Council on Consumer In
terests, and Edward Mctzen, profes
sor and chair, family economics and
management, University of Missouri,
make in a new Oregon State Uni
versity (OSU) Extension Service
publication.
Stcpfamiliesoftcn find themselves
starting with limited resources as a
result of earlier divorce, and their
current and future resources strained
as they build new relationships while
retaining tics to past ones, they ob
serve. Although it's important to discuss
money matters in advance and to get
as many things in place as possible,
couples "need to understand that in
view of the complexities and sensi
tivities involved, success can't be
expected overnight. Progrcssoisually
occurs over time," the authors stress.
The Mctzens identify five stages
a couple will go through in the nor
mal evolution of dealing with money
matters, from "rosc-colorcd glasses"
to "achieving stability."
Each stepfamily progresses
through the stages at its own pace,
they explain. Some couples find they
can talk openly, plan together and
are able to move ahead, spending
little time in the early stages. Others
may communicate well, but lack the
tools to implement a successful
money system without giving more
time and effort to gaining additional
knowledge and advice.
The authors stress that a strong
commitment to the marriage is re
quired "along with a willingness to
work through the stages. It takes time
and trust as sensitive and important
money matters are attended to. For
those couples who do what it takes to
achieve the final stage, the rewards
in terms of quality of life are great."
Singlecopicsof "Stages in Money
Management for Stepfamilies," FS
316, arc available without charge
from Publications Orders, Agricul
tural Communications, OSU Ad
ministrativeScrvicesA422,Corvallis 97331-2119.
Curried turkey
and peanut salad
12 cup plain yogurt
14 cup mayonnaise or salad
dressing
1 to 1 12 tsp. curry powder
14 tsp. salt
18 tsp. pepper
3 cups chopped cooked turkey or
chicken
1 cup halved seedless grapes
12 cup chopped sweet red or
green pepper
6 lettuce leaves
13 cup chopped peanuts
For yogurt dressing, in a large
mixing bowl combine the yogurt,
mayonnaise, curry powder, salt, and
pepper; mix well.
Fold in chopped turkey, grapes,
water chestnuts, and red pepper.
Cover and chill thoroughly before
serving.
Serve turkey salad on lettuce
leaves. Sprinkle individual servings
with chopped peanuts.