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Pulled cream candy, needlework classes set for February

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Do you yearn for the wonderful cream candy made by your grandmother or mother in days gone past? If so, you can learn to make it yourself.
 
On Thursday, Feb. 24, we are having a cream candy making class from 6-8 p.m. at the Extension office, 500 Floyd Drive in Carrollton.

This class was originally planned for November, but due to an illness by our instructor it had to be postponed. Even though the weather is getting warmer, we still wanted to offer this class.

Local resident Myrna Holloway will be teaching us how to make this beautiful cream candy. Class cost is $10 and Myrna has asked that all proceeds will go toward the Carroll County Animal Shelter, which is also a service project of the Carroll County Extension Homemakers.

Late registration is available by calling the Extension office at (502) 732-7030 to register. Money may be brought in and paid at the door.

The art of needlework

Do you remember your grandmother knitting, making lace doilies or braided rugs? Since Biblical times there have been different forms of needlework – using a needle or other tool and thread to create an item for decoration or practical use.

On March 8, at 6:30 p.m. Judy Hetterman, Owen County Extension agent for family and consumer sciences, will present “ Giving Life to Old Pastimes -  Preserving the Art of Needlework” to Extension Homemaker members and other interested residents.

This is the Homemakers March lesson, but all interested residents are invited to attend. This session would be ideal for children so they can learn how a variety of different types of needlework are created.

Hetterman will discuss knitting, crocheting, rugmaking, quilting, lacemaking, tatting and other forms of needlework. If you would like your child to learn some type of needlework, we would like to have some followup needlework classes for youth at the Extension office.

Please call the office at 732-7030 to sign up to attend this session and if you are interested in learning how to do a type of needlework or your son or daughter is interested, let us know the basic type you would like to learn to create.

Tax refund truths

This tax season, many tax preparers will advertise instant money through tax refund advance services. In reality individuals who receive a tax refund advance are borrowing money at a very high price.

A tax refund advance is a short-term money advance, similar to a payday loan. Both tax refund and payday loans are some of the most expensive ways to borrow money.

The Consumer Action website, reports annual percentage rates as high as 774 percent for tax refund advance loans. 

If you receive a tax refund advance, you are using your tax refund to guarantee the loan.

You sign a form allowing your refund to be deposited into the issuers, most likely the tax preparers, account.  The tax preparer then writes you a check for your anticipated refund minus any fees. If the actual refund is less than actually anticipated you still must repay the loan.  If this happens, you will also probably owe additional fees and interest. 
 
  The biggest selling point to a tax refund advance loan is speed. But how much faster do you really get your money? The answer really depends on how your tax return is filed.

A paper return typically takes six weeks to process, while an electronic return is normally processed in three weeks. 

If you sign up for direct deposit, you can anticipate your refund one week faster than if you request a paper check. 

So, ask yourself if receiving your refund two weeks faster is worth paying the fees and interest of a tax refund advance loan. In most cases, a tax refund advance loan should be considered a last resort for cash. Consider all other available options for cash before signing up for a tax refund advance loan, such as a personal loan from the bank or store financing.  In many cases, even credit card cash advance fees are less expensive than tax refund advance loans. However, it should be noted that credit card cash advances can be a very expensive form of borrowing and are not recommended as a good financial practice.

Information provided by Federal Citizen Information Center, U.S. General Services Administration. Retrieved Oct. 9, 2010 from www.consumeraction.gov/caw_credit_loans.shtml.

Grace Angotti is Carroll County Extension agent for family and consumer sciences. Call her at (502) 732-7030 or send e-mail to gangotti@uky.edu.