The Mail-Journal, Volume 28, Number 27, Milford, Kosciusko County, 16 August 1989 — Page 7
■ * . ICommunity corner
Budgeting your way to prosperity
By B. ANN THALLEMER Guest Feature Writer Yes, there is life after the wedding! When etiquette hysteria takes over most prospective wedding couples and their families, often little time is left for the couple to give serious thought to their future financial planning. The wise couple who has decided upon marriage will have their “Heart to Heart” money talk in the early wedding planning stage. Future financial goals can only be achieved if the couple is in complete agreement on mainagement of their combined resources. Money isn’t everything but it is a sure way to meet the monthly obligations that can accumulate. Lack of sound money management can result in chaos and cause unnecessary strain on the beginning relationship. Spending priorities must be established and the logical next step would be to set up a budget for a given period of time. Listing ■ all known expenses and including a saving program,-no matter how small is the starting point. Beginning with a conservative approach is sensible. Discussion of purchases, in advance, helps establish trust and avoids a money bind. The modest savings will parlay into a tidy nest egg. Credit spending must be discussed and limits established. Hous-
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ANNOUNCE ENGAGEMENT — The engagement of Melinda Thompson, Milford, to William Hyden, also of Milford, is announced by the couple’s parents, Mr. and Mrs. Marvin Thompson, Winamac, and Mr. and Mrs. Larry Hyden, Mentone. The bride-to-be is a 1988 graduate of Tippecanoe Valley High School. She is employed at Veada Industries, New Paris. The future groom graduated from Tippecanoe Valley High School in 1987. He is employed by the town of Milford. The couple has selected September 23 as the date for the wedding, which will be in the Akron Church of God, Akron. Syracuse BPW ride Dixie Belle The regular meeting of the Syracuse Business and Professional Women was held Aug. 8. After a dinner, more than 30 members and guests enjoyed a ride on the Dixie Belle. There were six guests in attendance. One special guest was the BPW high school sholarship winner, Melanie Klotz, who will be attending Goshen College for a nursing career. During the business meeting, new members’ names were voted on and the budget for next year was accepted. Lee Ann Hubbs was appointed to the project committee. A new project was discussed. The project chairman reported that a check for over S3OO, including SSO members’ cash donations, plus earnings from the dessert bar held at Lakeside Park, Aug. 3, will be presented to the Syracuse Music Park Board. Door prizes were awarded to Mimi Loveless, Pat Benson, and Mae Rinker. Hostesses were Mildred McDaniel, Anna Craw, and Charlotte Wells. The September meeting will be a pitch-in dinner.
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ing should be in proportion to salary. A recent U.S. Government study suggests housing averages from sixteen to eighteen percent of annual incomes. The chart below lists percentages of annual income designated for expenditures in the survey: SINGLE PERSONS, UNDER AGE 30, $25,000 ANNUAL INCOME Percent Os Type Os Annual Expense Income Housing 16 Food 7 Clothing 5 Taxes 32 Insurance 8 Utilities 3 Transportation 9 Education 3 Entertainment 7 Savings 1 Miscellaneous 9 TOTAL 100 It would be most helpful for the couple to list all outstanding indebtedness along with the known expenses for the budgeted period! If the above categories do not include ones the couple desires then they should make their individual list. Also the percentages may not be agreeable to them. The survey information is meant to be only a guide in setting up a realistic budget. Once the budget has been
Block grant for Lakeland Daycare
The Lakeland CommunityDaycare Services, Inc., has been notified by the Indiana Department of Human Services that it has been awarded a Social Services Block Grant (Title XX) for the year, from July 1, 1989-June 30,1990. This money will be paid to the daycare for caring for children from families Whose income falls in the 100-150 percent poverty level. In order to qualify for the funds, the parent needs to be working, going to school, or looking for employment. The daycare center can accept referral from the department of welfare. Carol Hurd, director of the Lakeland Community Daycare Center, Syracuse, stated that, at this point, there is no waiting list to enroll in the daycare center. To enroll, parents should call 457-4983. The Lakeland Community Daycare Center is open from 5:30
LOUISA'S LETTER Dear Louisa, What has happened to the young married people of today? We live in a town in which many of the people have roots. Their parents and grandparents have made their homes here and reared their families. Most of these folks were fairly good people, some poor, some well-to-do, some hard working and some lazy. But by and large they were church going people who cared what the neighbors thought about them and whose aim in life was to make a good home life for their families and to teach their children to be good, industrious citizens. There has been a rash of separations and divorces in our community this past year. What do you think causes this? A group of we mothers would like to know what you think about this present situation. Mothers — N.C.
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agreed upon, then self-control must be practiced until the budget becomes habit. Sound budgeting plans for today an<> tomorrow. As simple as it may seem, there are only two ways to deal with cash shortages: earn more or spend less. The idea of budgeting is to establish a budget that is realistic and reflective of the life style that both parties of the couple have agreed upon. The reward of a sound budgeting will be prosperity which Mr. Webster defines as “economic well being.” Sounds impressive for any couple, especially a newly married couple. Serving ourcountry
ROBERT D. RUTH, JR. Army Staff Sgt. Robert D. Ruth, Jr., son of Robert D. and Audry M. Ruth, r 4, Syracuse, has arrived for duty in West Germany. Ruth is a team leader with the 72nd Ordnance Detachment. His wife, Mary, is the daughter of James and Mary Skeen. 145 Seneca Dr., Melborne, Fla. The sergeant is a 1973 graduate of Andrew Jackson High School, South Bend.
a.m.-6 p.m., Monday through Friday, 51 weeks of the year. Food meeting state requirements is provided for breakfast, lunch, a.m. snack, and p.m. snack. The pre-school program for children ages two-six is provided in the daycare center on W.E. Long Drive. This program includes nursery school, and transportation to and from kindergarten. Summer Day Camp for ages six-twelve is held in the Crosson Mill Scout Cabin. Crafts, roller skating, swimming and field trips are included in the planned activities. The Latch Key Program, held in the Syracuse Elementary School, provides care before and after school, and on no-school days during the school year. The Lakeland Community Daycare is an agency of United Way and is a non-profit organization.
©Him ' I --.-J Answer: The divorce rate today is an appalling one and I don’t think that any one of the things you named is the sole cause of this sad situation. I’d think that all of them play their part but the one basic cause of divorce, to my way of thinking, is selfishness. The man or woman who is concerned with their own desires and wishes rather than concerned for the welfare and well being of others is the prime reason for divorce. Too much money or too little money can be a contributing factor. People can stand just so much poverty and hardship before they break under the strain. Os course there are people who have great faith in God who come through any disaster. But too much money is the ruination of many young people of today. I could go on indefinitely but I still think that if two people unselfishly devote themselves to keeping each other happy, the divorce rate would be drastically cut down. Louisa.
TO CELEBRATE 25TH ANNIVERSARY — Mr. and Mrs. Thomas Firestone, 29015 Ella Dr., Elkhart, will celebrate their 25th wedding anniversary with a reception on Sunday, Aug. 20. at the Wakarusa Missionary Church, from 2-5 p.m. The reception will be hosted by the couple’s children. Lisa and Todd Firestone, both of Elkhart. Firestone is the athletic director at Elkhart Memorial High School. Elkhart. Mrs. Firestone is employed at Sterling Realty of Nappanee. They were married Aug. 23. 1964, in Syracuse. The couple belongs to the Wakarusa Missionary Church.
in JI - u 1 JBL l iflflflg 1 BON VOYAGE — Jay Koontz and Raeni Rinker, Syracuse, pose for a picture just before sailing out of Port Everglades, Fort Lauderdale, Fla. The couple took a four-day, mid-week cruise to the sunny Bahamas on the Carnival Cruise Lines "Fun Ship. TSS Mardi Gras.” During the cruise, the ship made ports of call at Nassau and Freeport while cruising through the 700-island chain. (Photo courtesy of Carnival Cruise Lines) r PDNDEROSA.-\ Only One Thing Could Make Our Salad Buffet Better For Lunch: HOTSPOT) Introducing The Hot Spot Now Part Os The World’s Biggest, Best Salad Buffet™ Featuring: OVER 80 ITEMS Including • Chicken Wings • Baked Beans • Com • Spaghetti • Rice Pilaf • Macaroni & Cheese • Nachos & Cheese • Broccoli & Cauliflower PLUS DAILY SPECIALS Monday — Popcorn Shrimp, Friday — Fish Nuggets, Onion Rings *. Breamed Zucchini Tuesday Sweet & Sour Saturday — Meatballs & BBQ Meatballs, Breaded Sauce, Breaded Cauliflower Okra Wednesday — Fried Clams, Onion Sunday — Meatballs & Rings Gravy, Breaded Thursday — Meatballs & Prego Zucchini Sauce, Breaded Okra Serving Breakfast Buffet 7 A.M. To 10:45 A.M. Z 9 Includes Weekends Coffee U.S. 33 East, Goshen ££ 534-4260
Judy Willard becomes bride of George Kalich, Jr. on June 17
Judy Willard, Syracuse, and George Kalich, Jr., originally of Lowell, Mass., exchanged wedding vows in a 3 p.m. ceremony on June 17 in Pleasantview Bible Church, Warsaw. Pastor Larry McCall and Pastor Rollin Jump, both of Christ’s Covenant Church of Warsaw, performed the double ring ceremony in the presence of 200 guests. Mrs. Lee (Phyllis) Kantenwein, Warsaw, was organist and Mrs. David (Susan) Jennys, Warsaw, was pianist. Soloists were Mrs. Jan (Jean) Burtsfield of Goshen and Brian Kapp of Brookfield, 111. They sang “Find Us Faithful,” “Cherish The Treasure,” “I Could Never Promise You,” “Be Thou My Vision,” and ‘‘Jesus, I Am Resting.” Family candles were lit by the couple’s mothers and were later used to light the unity candle. The groom escorted the mothers in. Vows, which were written by the couple and printed on scrolls, were read to each other during the ceremony. The bride wore a white satin floor-length gown with lace trim and a chapel-length veil. She carried a cascade style bouquet of silk flowers and pale blue and white ribbon roses. She also carried a handkerchief which the groom’s mother carried on her wedding day. Mary Hunt of Frederickstown, Ohio, was matron of honor. Bridesmaids were Janice Herr. Valencia, Calif.; Lorraine Meek, Fort Wayne; and Lois Haney; Silver Lake. They wore floor-
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Wed., August 16,1989 — THE MAIL-JOURNAL
‘W il 1 JU I MR. AND MRS. GEORGE KALICH, JR. length gowns of pale blue satin with puff sleeves and V-neckline. They carried white lace fans trimmed with pale blue ribbon roses and baby’s breath. Julius Wong Loi Sing of Warsaw served as best man. Groomsmen were Michael Suhany, Wyckoff, N.J.; Wade Smith, Bloomington; and Ben Kalich, Lowell, Mass., brother of the groom. Ushers were David McCall, Carus Shaffer, Jonathan Nixon, all of Warsaw, and Chris Lusso of Pierceton. The mother of the bride wore
an icy blue street-length dress. The groom’s mother wore a silver gray street-length dress. They both wore corsages of silk flowers, ribbon roses and baby’s breath. Following the wedding ceremony, a reception was held at Christ’s Covenant Church building Warsaw. Cake, punch, and finger foods were served. The room was decorated in the wedding colors of pale blue and gray. Serving at the reception were Luyen Westerhof and Lucy Metsger, Warsaw, and Becky Beachy, Tricia Filbrun, Kim Troyer, all of Goshen, and Crystal Bonewitz, Wakarusa. The food was catered by Nancy’s Fancies. Attending the guest book and gifts were Kathy Bartman and Jodi Scarbeary, both of Syracuse. The bride is a 1978 graduate of Wawasee High School and a 1982 graduate of Grace College. She received a BS degree and is a third grade teacher at Millersburg Elementary School. The groom attended high school in Lowell, Mass. He graduated from Calvary Bible College, Kansas City, with a BA degree and from Grace Seminary in 1989 with a M.Div. degree. He is employed by CTB in Milford. The newlyweds took a trip to southern Indiana and Kentucky. They now reside in New Paris.
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