The Burlington Free Press from Burlington, Vermont • Page 36

NOTHINO FUNNY FOM WASMINeTON? Tr vou'r not coding Art ftuchwotd. mr time waekly. Including Sunday Frn Prtu. Vt. Public Radio Marks 1 st Year Conversation Mortgage Insurance Makes Broadcasting programming award.

That was for 'Sky a program of astronomical observations hosted by Delo Mook, professor of astronomy and physics at Dartmouth. We are 12th in the country per capita in fund-raising for public radio stations. The trouble is, that still doesn't bring in all the money we need." It Easier to Afford Homes CUSTOM WOODWORK Kitchen Cabinets, Millworlt, Furniture, Repairs, etc. Wheel Peg Inc. 6 Howard St.

658-0694 FIGURE SALON Did You Know? We have a new name, new equipment and a new look. accompanied his father Erik on the "crocodile song." Erik's sole vocal contribution was an enormous "BOOM!" at the end of the song. Vermont Public Radio broadcasts 18 hours a day, and although a majority of the material comes from national sources, an increasing amount is local programming. A grant from the Vermont Council on the Humanities and Public Issues has made possible "VPR Forum." with host Kate Stiassni. Issues ranging from homosexuality to Proposition 13 have been discussed.

"Vermont Artists in Performance," sponsored by a Vermont Council on the Arts grant, features Vermont musicians and poets. Finally, "Legendary," hosted by Frank Anthony, talks of people, such as John Adams, who are historical legends and talks with people who are legends in their own time such as John Kenneth Galbraith. "Our biggest problem is getting funding," said Steve Robinson, development director. "We have 3,000 subscribers who have paid 15 or more, plus two dozen business underwriters who have given from $100 to $25,000. We have begun accepting advertising in our program guide, which has been amazingly successful as well.

We are also the first novice station ever to be awarded a Corporation of Public w-. rj III IS LrL for AN IMAGE OF A NEW YOU Call us now for an appointment. Only $4.00 per week for a complete 4 month program. Sauna, Whirlpool and Showers Available FIGURE SALON Consumer Answers How well are you coping in the consumer marketplace? Here are answers to today's installment of the Coping Skills Test, which appears on page ID. 1.

11. A 2. 12. 3. 13.

A 4. 14. 5. D' 15. 6.

16. A 7. 17. 8. 18.

A 9. 19. 10. 20. A From Poge 1 of National Public Radio's show "Pro Musica," which is aired on V'PR at 7 a.m.

Others were thrilled by the simple Vermont folk songs by Margaret MacArthur, who played her zither and dulcimer. The high point of the proceedings occurred when eight-year-old Tate Johansson Taking a Dog On a Trip Can Be Easy From Page 1 It cools them off and amuses them. Take early morning or evening flights when flying in the summer. Mrs. Dittmann said although the belly of the plane where pet cages are stored is climate controlled, the animals often get too hot waiting outside on the ramp.

Mrs. Dittmann has owned dogs since childhood. She admits she used to go to the pound while she was in college in Des Moines, Iowa, and take home all kinds of dogs to her sorority house. The terrier she now travels with is her second Alpo. The first, also a Dandie Dinmont, drowned near her home in Stamford, Conn.

Mrs. Dittman, who trained both dogs herself, offers a few hints she has learned through trial and error to stop the most common subject she is asked about negative behavior. Don't show anger. When an owner loses his patience and starts getting rough with the animal, the dog doesn't learn. Look at yourself and consider how much time you spend with the dog.

Much negative behavior is caused by boredom and neglect. Catch the dog in the act. Use a soda can filled with pennies or a toy squirt gun to grab its attention. Reprimand verbally and give a slight tap on the rear with a rolled paper when necessary, but always follow each with a positive remark. Confine in an area of the house where there is less temptation while you are away to avoid chewed furniture and torn-up rooms.

Consider having the dog checked by a veterinarian. Some destructive behavior is caused by a diet deficiency. Use a nylon choke chain to teach dogs not to jump up on visitors. When the dog jumps, use a short quick jerk and command to stay down. Break a barker by going outside away from the house so the dog can't detect your smell.

When you hear it begin to bark, rush in and reprimand. Repeat as often as it takes to make the dog think you are always around even when you leave. Dogs help develop a sense of discipline and responsibility in children. Mrs. Dittmann said they are often used with mentally disturbed children, who are withdrawn.

Forcing a child to care for someone else in his life makes him open up to doctors and parents. Dogs are great attention getters, Mrs. Dittmann said. Many new friends are made while a dog owner stops at a street corner. "The way I put it is where else in this life can you step outside for 30 seconds to get the paper and be treated like you've been gone for five years when you come back." 600 Shelburne 862-6458 Wh 1 a CANNING-JARS LIDS 15 OFF REGULAR LOW PRICES When buying 5 or more cases LARGEST SELECTION IN VERMONT GARDEN WAYS 1 1 86 Williston So.

Burl. 863-3451 OPEN TILL 8:30 One reason so many people can still afford today's expensive homes is the availability, in most areas, of private mortgage insurance. Without insurance, you need a down payment of around 20 percent. With insurance, you can get away with only 5 or 10 percent down. In dollar terms, that means you can often buy a house with only $2,000 to $4,000 in the bank.

Insured loans are made to order for thousands of young couples, many of whom have two regular incomes. Their savings may be low, but their earnings are high enough to carry a substantial mortgage. Traditionally, lenders restrict basic housing expenses (mortgage, insurance and taxes) to 25 percent of total income, but many now go up to 30 percent for people with good earnings prospects and little debt. Couples thinking about a first house are often discouraged, because average prices in their area are too high. But there are plenty of suitable houses priced below the average.

The Mortgage Guaranty Insurance the nation's largest mortgage insurer, says that, as of June 30, the median selling price of homes bought by its insured borrowers was not far above $40,000. means that half the homes cost more than that amount and half cost less.) The median price in Atlanta was in Chicago in Dallas, in Los Angeles, in New York City, and in Seattle, $46,676. Median family incomes range from $23,000 (in Atlanta) to $27,000 (in Los Angeles). The median age was around 30, and about three-quarters of the buyers were married. Private mortgage insurance works this way: Lenders make you a loan for 90 or 95 percent of the cost of the house, and insure the top 20 or 25 percent of the loan with a private company.

On a $40,000 mortgage, for example, the top $8,000 may be insured. If you default, insurance covers a portion of the loan; the rest is repaid through the sale of the house. With a 10 percent down payment, you have to pay a first-year fee for the insurance of one-half of 1 percent of the mortgage's face value ($200 on a $40,000 loan). At 5 percent down, the first-year premium is 1 percent ($400 on a $40,000 loan). Each year thereafter, you pay one quarter of 1 percent of the outstanding mortgage balance.

Underwear Dear Ann Landers: My mother is a dear person, now in her late 70s. She raised five daughters and I'd say she did a fairly good job of it considering she worked a 10-hour day in a dry goods store. Mother formed our concepts about a great many things but my strongest recollection was her preoccupation with the condition of our underwear. Almost every day for years Mama would remind us that we must always wear clean underwear no pins or rips. Heaven forbid! She said, "A girl never knows when she will be in an accident, and nothing is more humiliating than being taken to the hospital in shabby or soiled underwear." According to Mama, the nurses and doctors talk of nothing else.

Have you heard from other readers who worried about such trivia? My sisters and I have laughed about it for years a now I've decided to write and inquire on behalf of the Detroit Five Dear Five: Your mother has lots of company. Many women are haunted by the same fear. A very funny book by Liz Smith called "The Mother Book" (Publisher, Doubleday, $10.95) relates that HER mother was hung-up on Horoscope GENERAL TENDENCIES: After a change in attitude in practical affairs early in the day, you find it possible to delve into matters of a more personal nature. Later you will be able to enjoy the company of true friends. ARIES (March 21 to April 19): Attend to career matters early in the day and handle them intelligently.

Don't neglect a credit matter that is most important. TALRL'S (April 20 to May 20): Communication with outsiders can bring excellent results at this time. Contact higher-ups who can give the support you need. GEMINI (May 21 to June 21): Show more cooperaton with associates and you find you get along better with them. Take time to study creative ideas.

MOON CHILDREN (June 22 to July 21): Delve into the work ahead of you with greater efficiency than in the past and get excellent results. Improve your health. LEO (July 22 to Aug. 21): Make early arrangements for recreations you want to enjoy later, and then do the work ahead of you with efficiency. Study new interests.

VIRGO (Aug. 22 to Sept 22): Bring your creative ideas to the attention of a higher up who can help you to be successful with them. Take needed exercise. Jane Bryant Quinn If the normal mortgage rate is 10 percent, a privately insured mortgage will cost around 10.25 percent. On a $40,000 30-year loan, insurance raises the monthly payments by $17.

Loans insured by the Federal Housing Administration may be more expensive than those with private coverage. The top FHA rate is now 9.5 percent, but you can be charged a first-year fee of an extra 1 percent. In subsequent years, the annual fee is one-half of 1 percent. Veterans Administration mortgages, on the other hand, may cost a little less; there's a 1 percent fee, but no subsequent annual premium. With either FHA or VA loans, however, the seller may be charged a fee which he'll generally pass on to you in the cost of the house.

Lenders usually require that you carry private mortgage insurance only for 7 to 10 years. After that, coverage can be dropped, which saves you the annual cost. It's possible to drop the insurance even sooner if your house has appreciated enough in value. Ask the lender about this. (It may also be possible to drop FHA coverage after a comparable period of time, but it won't even be considered unless you ask.) If money tightens up a little toward the end of this year, as many people in the industry expect, low down payment mortgages will be harder to get.

They're already rare in states with low usury ceilings like New York, where mortgage rates can't exceed 8.5 percent. (The national mortgage rate is now around 10 percent.) There are also scattered reports of tighter money in the North Central and Midwestern regions. In most parts of the country, however, mortgage money is still readily available. "Buyers don't care if they pay 9.75 or 10 percent for a mortgage if they think homes are going to appreciate in value the way they have in the past," Preston Martin, president of PMI Mortgage Insurance told my associate, Linda Rubey. Phobia Ann Landers underwear.

One day the dear woman actually broke her neck in a car accident. The dutiful daughter rushed to the hospital and the first thing Liz's mother said was, "I had on my Christmas underwear, thank heavens!" The book is hilarious. A perfect gift for anyone in a hospital no matter what the condition of her (or his) underwear when brought there. Dear Ann: I'm sure lots of lonely people write to you. Since you are against lonely hearts clubs and computer dating, why not interview high-class prospects in your home.

You could change a lot of lives. Rogers, Ark. Dear Ark: I could change lives all right especially mine. All I need is to run a dating service from my home yet. I want no part of playing Cupid.

By Carroll Righter LIBRA (Sept. 23 to Oct. 22): Change your attitude at home and get better results there. Later attend a nice social affair. Show that you have poise.

SCORPIO (Oct. 23 to Nov. 21): Get in touch with an influential person early in the day for the backing you need. Make plans for greater success. SAGITTARIUS (Nov.

22 to Dec. 21): Find better ways of getting ahead and then discuss ideas with associates. Plan needed repairs at your home. CAPRICORN (Dec. 22 to Jan.

20): Come to the right decisions today so that you can gain your personal aims more readily. Take sensible health treatments. AQUARIUS (Jan. 21 to Feb. 19): Consult business expert for advice you need.

Make plans to have greater prosperity in the days ahead. Strive for happiness. PISCES (Feb. 20 to March 20): A good friend can assist you in gaining a personal goal if you contact this person early in the day. Think constructively.

IF YOUR CHILD IS BORN he or she will be able to understand varying philosophies, both aesthetic and practical, and should be given the best education possible so that much can be made of this natural talent. Participation in sports can lead to a well-balanced life. lilt So. Burlington Open Sat. 9-12 Noon We're Now Serving Spareribs! The most delicious shoes afoot.

Exclusive soles are ribbed all over to give you a more flexible footstep. But feeling is believing. Come in and let us fit you to pair of Spareribs soon. Brin0iig fashion to a uniform world SHEILAS Uniform Shop 15 No. Winooski Burl.

Tel. 862-0290 Fri. 'til 8:00 THE STIVERS Cosh Box 1976 "Best New Vocal Group Sept. 3 4 30 9 PM SPECIAL DAYS EVENTS Carnival Rides On Tues. and Aug 29 31, patrons may ride any midway ride as often as they like until 5 PM by purchasing an identification RIDE BRACELET for just $4.

Dollar Days On Mon. and Aug. 28 and Sept. 1 gate admission for adults" is ust $1 each until 5 PM Free Sunday Show Free Grandstand Show Sept. 3.

1:15 PM. Features St. Andrews Society Pipers, cavalcade of horses and cattle, calf scramble, pig race, and sheep herding. Also vaudeville octs. Gates open 12:15 PM 20 st msinjjMm'-, Monday, August 28 ppf, thru Labor Day, September 4 --XX7 Aug.

29 -7i 9 PM IP3h mm 7Q OCT IW1 Shirts I I VrVl jK A lB U' WOODY HERMAN TOM NETHERTON BOBBY CISSY ALDRIDGE SISTERS pwiwuiKiw imtu I 1 Concert I Dance Lawrence Welk Start together in one great show I' I UfY Wed" "9 30 8 Ihuri- u9- 31 8 PM ii I I I ft .1 USSR 'iffm I I J-Tk 11 JanaJoe i I TRACTOR PULLING NTPA Clasi 4A, I I "tldfjCj pull. Super Stocks, Modifieds, Minis. f'ddhng I Sept. 2 -1 PM 7 30 PM preliminaries stort at 2 PM, 5 1-7 1 Grandstand Stage. wly Guest udge and entertainer, 777 'fS52y jonjMtromHeeHow- HELL DRIVERS 28 2E8PM DEMOLITION DERBY PM HARNESS RACING Tues.

thru Aug. 29 Sept I skirts or pants OsSo at regular price Mr "0T0RCYCII RACES ri JVK. "on. Sept 4 MS PM trnth. win lVTfcJ Kr-kT Cliunh Downtown Biirlnmtoii IJ 7 0---W fVV WJ jnyjjwj) VV -4.