The Des Moines Register from Des Moines, Iowa on July 24, 1969 · Page 9
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July 24, 1969

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The Des Moines Register from Des Moines, Iowa · Page 9

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Des Moines, Iowa
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Thursday, July 24, 1969
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Is Your Garden Spray Bugging You? Choose Carefully ' By Tom Stevenson ' © Th* Washlnjton Post I T IS ALMOST impossible today to grow many kinds of plants in the garden Without spraying or dusting tfiem 'for control of insects, spider mites or plant dis- iftses. 'For example, apples and peaches are almost certain to be wormy unless the trees ire sprayed several times; and roses with black spot, powdery mildew or spider mites won't last long unless sprayed or dusted. Gardeners are spending more and more for pesticides in the hope of having a beautiful-place, but although effective chemicals are available a lot of money is going down the drain. Several things are wrong. First and foremost, the wrong chemical is used, particularly by new and inexperienced gardeners. If insects are feeding on your plants, spraying with a fungicide (which is for plant diseases) wont help. If spider mites are ruining your tomatoes or marigolds, a miti- cide is necessary, because most insecticides will not kill spider mites, but instead will destroy the insects that feed on them (predators). If your roses become diseased by black spot, a fungicide must be used. No other kind of pesticide will be at all effective. •1 D O NOT spray or dust with a pesticide unless you know what you are trying to control, whether it is •an insect or a fungus disease, and that the chemical you are preparing to use may be effective for that particular purpose. To complicate things, all Insecticides will not be effec- tive against all kinds of Insects, and all fungicides will n<tt control all fungus diseases. Read the label on the pesticide container to find out what you can hope for it to do. For example, if it does not say specifically that the material is good for black spot of roses (or some other particular problem), do not use it for that purpose. Don't assume anything. If the label says the material can be used on certain plants, it doesn't mean that it is good for anything that may attack those plants. It merely means the material can be used on those plants without hurting them, provided it is mixed and applied properly. In any event, before using any pesticide, rend everything on the label arid follow the directions exactly. Reread each time before using. It is possible to forget what you read the previous time you used it. Many pesticides are sold in concentrated form and too big a dose may be quite harmful. A NOTHER problem is that many gardeners do not spray or dust at the right time, or in the right way. The basic idea of disease control is protection and prevention. After the plant becomes diseased or insects get. into the apples, it is usually loo late. For good insect and disease control, all parts of the plant must be treated. Many diseases and insects infect or feed mainly upon the undersides of the leaves. Missing this area is as bad as not spraying at all. H ERE are answers to some other questions from gardeners: Q. My dwarf red delicious apple tree bloomed this The Happy Results: Viewing Your Pictures Last of three articles on getting more pleasure and value out of your camera. . .'." By Frances Craig I f 1 , photography is your \hobby, the vacation needn't end when you come home. Photos, slides and movies are the greatest vacation-extenders in the world. Your picture presentation can be as fancy as you like. Register and Tribune photographer Jervas Baldwin says, "Color slides are my personal choice for vacation photography, along with third dimensional stereos which are similar in size and cost — about 20 cents apiece." He suggests that 35 mm. color "stereo" pictures can be enjoyed in a $3 battery-operated viewer or a $189 projector. If you want your own "talkie." he suggests, take a portable battery-operated record- '_.-A PAGE FOR Women Pel Iffimtej JUtffler Thursday, July 24,1969 Pigs 9 Mind VburOwn - Private Annuity In Estate Planning By Pat Murphy A N IMPORTANT but little»known estate-planning- deviceTwhiclT Can "be Highly" valuable under certain circumstances, is the private annuity. It is a procedure that permits a family man, a widow, or a business or professional man to trans- ifer property in return for a promise of a determined life income. Specifically, a private annuity is an u n s e cured p ersonal or cor p orate promise to pay'a fixed amount of dollars to an individual for life as the purchase price of valuable property. Such a private annuity is very similar to annuities purchased from insurance companies, except for three important aspects: Property is usually used to acquire the annuity rather than cash. The individuaLmaking the annuity payments is not regularly engaged in the business of writing annuities. Valuation of the annuity is determined by special annuity factors in the Internal Revenue regulations. We are told by estate planning experts that if a "true" annuity is created and it's not merely a transfer of property with a reserved life estate in the "transferor," the value of the transfered property will not be included in the transferor's growth estate. Because the selling price in a private annuity arrangement is an income expiring on the beneficiary's death, nothing remains to be taxed in the estate. Furthermore, if the present value of the promised annuity payments as determined by the. annuity tables in the IRS regulations equals the value of the property given in exchange, no gift tax is payable. Naturally,' the transferring will- be taxed on the income from the transfered property. However, a portion of each payment that the annuitant cost basis and will not be taxed since it would be a return on his investment. Meanwhile, a portion of each payment will be taxed as capital gains since any gain in the value of the annuity received over the cost basis of- the transferred property is taxed as capital gains proportionately over the transferors' life expectancy. And the remainder of each payment will be taxed as ordinary income and it will represent earnings. mHE ALLURE of the pri- -L vate annuity arrangement over the purchase of a commercial annuity is that appreciated property can be used to buy the annuity without paying an immediate capital gains tax on the entire appreciation. If the same appreciated property were used to buy a commercial annuity it would be necessary to first sell the property, pay the entire capital gains tax, and then invest the balance in ^hr annuity contract. Obviously a larger annuity can be acquired through purchasing a private annuity than through a commercial annuity. Typically such arrangements are used where a father would like to transfer his business to a son in exchange for a life income at retirement. Or when a widow who has inherited a business would like to transfer it to a relative, or a business associate of her husband. The weakness of the approach is that the annuitant's security is subject to the risks of someone else's business and personal fortunes. If the business is on a solid foundation and the person acquiring it in exchange for the annuity is well suited to running it, the business risk may not be too great. There's always the possibility that fate will intervene. But this is an area where life insurance on the new owner is a natural solution to the problem. © W», Ntwsdty, Inc. er on yonr trip — they're about |N - and pickup background sounds. Think about how you're going to put your movie or slides together and shoot some titles as you go. For example, if you're in a park, you might want to shoot the entrance gate and sign as an opener. (Along another line, It's a good Idea to pencil your name, address and the date on a sheet of paper and shoot that as the first of any roll of color film. Such film has a tendency to get lost In processing, and this gets it back to you.) Color slides may be matted in different shapes such as cut-out designs of circles, stars and the like. fTIHE hobbyist-photographer JL finds friends all over the place. You can learn much through camera clubs. Dealers will help,you. There are helpful publications, and even common mail-order catalogs have pages and pages on cameras and equipment., New gadgetry appears all the time: There's an electronic flash available now for $10 to $20 which works on batteries and eliminates the need for flash cubes. A.telephoto lens now may cost as Httle as $12.95; ft allows you to take close-ups of unsuspecting subjects such as birds and balky children. For $7, you can buy a remote control camera shutter release including 32 feet of cable, enough to include yourself in a group picture and take it from an adjoining room or even an upstairs balcony. T71ROM a Davenport com- P pany (Blackhawk Films, Thimble In Your Kitchen By Heloise Cruse Dear Folks: If you are ever making fancy sandwiches for a party, use your thimble. Cut oura hole in the center of a piece of bread before you be- AMY lyJtekTIpprt 7-24- spring but bears no apples because, I have learned, it requires pollen from a different variety, of which I have none. I intend to plant a golden delicious this fall hut it will be two or three years before it blooms and provides pollen. In the meantime, is (here anything I can do, any chemical, which will persuade the red delicious to bear fruit? A. A chemical can be used on tomatoes, hollies and perhaps other species to induce fruit set without pollination, but «b far as is known there is none that is effective with apples. However, if you know someone who has an apple tree that would be a satisfactory pollinizer, perhaps you can buy or beg a few blossoming branches from it next spring to place under your tree. Such branches cnn be removed from a tree while it is in bloom in lieu of pruning in late winter. The branches can be kept with their cut ends in water in a container. Put the container just under the branches of your tree as soon as they come into bloom. Keep the cut branches fresh throughout the bloom period by adding water to the container whenever necessary. Pollen is distributed by insects, mostly honey bees. Whether insects will visit the cut branches is a matter of chance. The ^arger the mass of bloom, the greater are the chances of insect visits. * * * Q. Why do my radishes all go to top with no radishes under the soil? A. Sowing radishes too thick and not thinning them out when they come up, or application of too much nitrogen fertilizer could result in poor roots. Usually far too many seeds are sown, and they should be spaced at least an inch apart by thinning if they are to develop properly. They need to be given enough fertilizer (the amount depends on the ferility of your particular soil) to grow rapidly, bccause-if they grow slowly they may have an undesirable flavor. However, if radishes get too much nitrogen, most of the growth will be above ground. Radishes mature the quickest of our garden crops, they retain their good flavor only a few days after maturing, so it is best to make several small plantings at weekly intervals rather than one or two big ones. * * * Q. The last few times I mowed the lawn, the grass looked kind of sick afterwards. The tip ends of the grass blades turned brown and black. Is this a disease, and if so, is there anything I can use to stop It? A. It may be that the blade on your mower is dull. Mowing Wth a rotary with a dull blade will usually result in brown to black leaf tips for four or five days after cutting the grass. The grass should be mowed frequently so that no more than one-fourth to one-third of the leaf is removed at any one time. This is far more important than many gardeners realize. If too much of the green matter is removed at one time, the grass may go into a state of shock. . * * * •'-' Q. Is it true that by cutting off some of the small melons GARDENING- Plea.se Turn to Page Ten Cathy Taylor takes a movie record of her co-Girl Scouts of Troop .'{6, Des Moines, while they're on an outing at Springbrook State Park north of Guthrie Center. From left are Mary Ann Minor, Cathy Seifert and Melanie O'Brien. POINTS FOR PARENTS 933 EastmcPhelan Building, Davenport, Iowa 52808), you can purchase a wide variety of travel, historical, railroad and other special interest slide sets. Twenty color slides are just $1 — cheaper than you can shoot your own. Other companies also sell slides on everything ""from ~" space" flights to art slides, covering all artists, periods and countries. Such slides can supplement your own and fill in some you've missed. At the Des Moines Art Cen- ter, you can buy excellent slides of works from the museum's collection for 35 cents apiece or 50 for $10. You're allowed to take your own pictures from the Center's permanent collection if you use a protected flash — flash bulb cubes ARE protected — and sign a release that you're not taking photos for a commercial purpose Hobbyists have a particular hey-day in the Center's new sculpture galleries where lighting is usually sufficiently bright for taking pictures without a flash. Art museums vary in their policies about pictures, though. It's best to proceed cautiously when you're vacationing. Of course, caution isn't always easy for hobbyist-photographers. So absorbing is this pursuit that vacationers are known to miss trains and ships and go to all lengths to bring home a prized shot. One thing is obvious: Once you're started with photography, it's a no-stopping hobby. Mother: "Tom almost hit the twins when he backed out of the driveway. He thought they were playing in the sandpile." ' If there are children around, get out of the car and check where they are before you back out of garage or driveway. You may not be able to see a small child in your rearview mirror. Be aware of this potential hazard every time you get into your car. tielotee "Yd 1 know/ Rosemary. . .parents aren't really $o bad once you get 'em figured out," gin to make the sandwich itself. Use this bread with the hole in it to top the sandwich. Slice a stuffed olive in half and lay this in that hole after putting the sandwich together. This is a great idea for parties, and for the family, too. -H. M. Military Marking Dear Heloise: In making a sailor dress for my 10-year- old, I left the pattern pinned to the collar, cuffs and front piece. Then I unthreaded the machine and stitched through the pattern and the material on the lines marked for military braid. I removed the pattern, and had perfect marking for sewing on the braid. No basting necessary. Just hold the braid over needle holes. -Mrs. L. S. W. Guacamolt Tip Dear Heloise; When I make guacamole, instead of cutting the avocado skin, I roll it first with my hand until it gets soft. The* I cat it and iceop it out with a spoon and go from there. This eliminates mashing with a fork. If you don't want to use a spoon, just take half of the avocado and gently squeeze the meat out. — Mrs. Joe Klonek uticMMi mill, MPtcially feints which sh« can past '- ipic* jcrmlli. IT* »l The Dei 'MttntaAuu rtctlvM. •n tht 706 WALNUT DOWNTOWN ,,• PARK FAIR sharp knits by Sporting contemporary styling and 'gay stripes are these acetate and nylon skimmers by SHIRTKNITS. Left—back zip style cinched at the waist with a chain belt. Navy/red/grey or orange/brown/grey. $20. Right — front button style with self-tie belt. Gold/grey or red/grey. $22. Sizes 8 to 18. Six other styles to choose from. Park Fair store opqn Sunday 12:30-5:30 • DOWNTOWN MERLE HAY PLA7A • PARK FAIR GET INTO ORBIT WITH DW OF CALIFORNIA "Out of this world" knits that make '69 a memorable fashion year ... all of Ayashable acrylic or acrylic- blends. Many styles that go together in red, brown or gold; the blouse in eggshell, gold or white. Sizes S to 20. Shown: blouse $15, nubby sweater $16, slacks $15, jacket $25, sleeveless shell $11, skirt $11. *. * ' Park Fair store open Sunday 12:30 • 5:HO

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