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Ruthven Zipcode 

   Ruthven Zipcode (Newspaper) - November 24, 1999, Ruthven, Iowa                              NEWSPAPER Ruthven Iowa 51358 USPS Volume XXX No 47 Wednesday November Fans enjoyed watching a preview of the Lakeland girls as they took on the Spencer Tigers in the Lakeland Jamboree that was held in Terril Friday November 19 Karen Luehrig looks for help from her teammates as she drives around the competition Social Security ready for new millenium Brianna Sanculi goes up for two points during Friday night's Lakeland Jamboree against the Spencer Tigers Holiday spending on the rise in 1999 Sixty-four percent of Americans will spend as much or more than they spent last year on holiday gifts according to a survey by Debt Counselors of The telephone survey of people found that holiday shoppers will spend an average of on gifts this year If you charge the on a credit card and pay only the minimum payment it will take as long as 13 years to payoff this year's holiday said Steve Rhode president and of Debt The calculation uses a conservative 14 percent interest rate with a 2 percent minimum payment Instead of trying to find ways to pay down their debts this is the lime of year that people are adding to their debt Rhode said The holidays bring out our eagerness to buy gifts for family and friends but that holiday spirit tends to knock many people out of their good spending habits The survey found that 34 percent of shoppers spend more when they are using a credit card Credit cards offer great convenience but they also provide a false sense of available cash Don't charge more than you can afford to payoff in a couple of Rhode advises Debt Counselors of America offers the following tips for a happy holiday Avoid buy now and pay later offers which encourage you to spend money you don't have Use a low-rate major credit card instead 1 of high-rate department store cards Carry only two cards when shopping Use one with a zero balance for purchases you will pay off in fall Use the other interest-rate card for purchases you will pay off over time Record all of your credit card purchases in your checkbook register Subtract the amount of the purchase from your available balance That way when the arrives the money will be set aside in your checking account so you can pay the in full and Avoid skip payment offers that will ultimately cause you to pay more interest and face larger bills When you're thinking about holiday gifts remember that the personal involvement not the cost is what people Rhode added Debt Counselors is holding its annual Scrooge Contest during November to gather thrifty gift ideas More details available at org People should submit their unique thrifty gift ideas along with their address and daytime phone number org or by mail Scrooge Debt Counselors of America Box 8587 Gaithersburg MD The winners get cash and prizes and will be announced in early December By Orren E Knoffloch Social Security Manager in Spencer Because so many people depend on Social Security we feel a special responsibility to be ready for the new millennium and the Y2K computer problem Our benefit payments systems are Y2K ready and have been for a full year ahead of the new millennium We will be able to do all of our tasks on January 1 2000 which include paying monthly benefit to 50 million people tracking the earnings of 145 million workers and processing 6 million new benefit applications next year The Social Security Administration SS A has no reason to expect a disruption to the delivery of benefit payments in January 2000 However we have developed contingency plans to handle any unexpected or unforseen disruption that may be beyond our control Social payment delivery schedule with appropriate contingency plans are as follows Since January 1 2000 is a holiday Supplemental Security Income SSI payments will be delivered December 30 1999 Therefore there should not be any Y2K problems with the January SSI payments Social Security payments for January will be made on Monday January 3 2000 The post office will receive checks a day earlier than normally scheduled to ensure timely delivery on January 3 In the case of direct deposit SSA expects benefit payment delivery to financial institutions to be conducted in a business as usual manner However if problems occur with direct deposit payments SSA will work with the Treasury Department and the Federal Reserve to resolve problems at a troubled financial institution and make payments available SSA offices will provide emergency payments to beneficiaries in cases of dire need as called for by existing procedures So if you are a Social Security beneficiary be assured that you will receive your payment on time You can just relax and enjoy the new millennium Halloween Visitors The Ruthven Public Library has a very active Story Time every Friday morning at Friday October 29 they had a Halloween party Can you identify any of their story On

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