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Herkimer Evening Telegram Newspaper Archives Dec 13 1982, Page 5

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Herkimer Evening Telegram (Newspaper) - December 13, 1982, Herkimer, New York Living today i Tricia b. Kerr editor i consumer watch avoid credit woes when gift shopping try Louise Cook associated press w Riter today a gifts can turn into tomorrows debts if you re not careful with your Christmas shopping a in general people Are very responsible in managing their credit but the probability that you could get in trouble is higher at Christmas a said a. Charlene Sullivan the associate director of the credit research Center at Purdue University in Lafayette ind. Is. Sullivan said most people carry around several credit cards if you spend to the limit on All the cards Quot you re going to be in big trouble after Christmas a she said. Is. Sullivan noted that More than a dozen states have recently raised the maximum allowable interest rate on credit cards a few states have eliminated usury ceilings completely a with higher rates financial institutions May make More credit available a a she said higher interest rates could leave Consumers owing More than they expect but the increased charges also could motivate people to pay their debts More quickly is Sullivan said about 40 percent of people who use charge cards do not incur any interest at All they pay their Bills in full each month and use the cards for convenience rather than credit she also said that fears about the Economy and unemployment have led people to restrict their use of credit and said that the increase in outstanding consumer credit so far this year generally has been lower than the increase in consumer prices. A More and More people who you would t expect to be losing their jobs Are worried Quot is. Sullivan said a when your Job looks Uncertain borrowing against future income can be pretty figures from the Federal Reserve Board show that the annual rate of growth in outstanding consumer credit during the third Quarter of 1982 was 2 percent Down from a 4,4-percent growth rate in the second Quarter extensions of consumer credit during the july to september period equated 15.1 percent of disposable income Down from 16.3 percent in the previous three months. How can you stay out of trouble Quot a Good Rule of thumb to keep from Over extending yourself is to limit the total monthly payments required on credit obligations not counting mortgage payments 15 percent of monthly after tax income a is Sullivan said. Keep track of the number of credit cards you re using the minimum payment required on each one May be Small a $15 or 20 but the total can add up quickly. Is Sullivan said a Many card issuers recently have raised the size of the minimum monthly payment making the decision to carry balances on several cards a significant Burden on the household you May be heading for problems is. Sullivan said. A when you find yourself borrowing from one source to pay another ignoring Bills from creditors who wont push you in order to pay those who will take action is no solution you la Only wind up deeper in debt Over the Long term. Mon., dec. 13, 19ffi evening Telegram 5 dear Abby great a a what a concert is what Victor nor Man. Left Herkimer count administrator and a member of the Mohawk Valier concert committee and Rostropovich the world renowned cellist seem to he saying they were enjoying themselves at the Champagne reception following the Rostropovich performance at the Stanley theater on nov. 28 at which Norman was master of ceremonies. The concert was for the Stanle it performing its enter. Consider safety when buying toys of Vattey Datebook administrative ., methodist today i a session alcoholics Anonymous. 7 30 presbyterian Church ii a Temple choir. 7 ., Baptist Church. F a governing Board 7 ., Faith Alliance Church h a St. Mary a Guild. 7 30 ., Christ episcopal Church. M Board. 7 Church h a Guild executive committee 6 15 reformed Church f a Village of Frankfort democratic committee. 7 ., Frankfort town Hall. In consistory. 7 preformed Church. I a administrative Board. Methodist Church h a Mohawk Valley business women s club general Herkimer hotel i a William Hempstead vow auxiliary 7 ., Post Home Mohawk Valley Lodge f amp am. 7 30 masonic Temple. I a american legion 8 ., Post Home. Ii a kiwanis club 6 ., the Tow be House h a St. Anthony s glee club 8 ., Church Hall h a Michael s. Pliseck vow auxiliary 7 30 ., Post Home. F a Maria is Addolarato society 7 30 p american legion tomorrow i a women a association dessert meeting and installation service 7 presbyterian Church. H a 3-d, 6 30 ., Trinity lutheran Church. I a Faith Alliance Church women a missionary prayer Fellowship 7 ., Home of Meakim h a holy eucharist and Healing service 11 15 a Christ episcopal Church h a go i go club of Mohawk Christmas Lun Cheon noon. The Tow be House i a Herkimer Garden clubs Christmas dinner 6 30 ., whiff tree inn. M a Herkimer county women a aglow Fellowship. 7 30 ., Crowley Barnum american legion Post Home. F a Friendly Circle covered dish Christmas party 6 Choir 6 30 Administrative Board 7 15 ., Frankfort United methodist Church. M a Minno Brook Garden clubs Christmas luncheon 12 30 ., Home of Doris Reardon Vickerman Hill. I a Ilion Baptist women a society covered dish supper 6 ., Baptist Church. H a Miovac blood pressure clinic 9 30 to 11 30 a m., Midtown apartments. I ump special Christmas program a the Suzuki Young violinists 7 ., methodist Church. H a Anthony r George auxiliary 7 30 ., Post Home. I a annunciation regional school to a evening of exercise 7 to8 ., school Hall 60 West St. H a United ostomy association 7 ., Herkimer memorial Hospital. I a sacred heart Council knights of Columbus 8 ., k of c Home. H a St. Anthonys crusaders 7 30 ., today in history in 1789, the austrian Netherlands declared its Independence becoming Belgium. Crusaders Hall i a slim and thin diet class 6 30 ., Frankfort legion. H a sisterhood of Temple Beth Joseph. 8 N Ches 319 h p masonic Temple h Palm Branch Rebekah Lodge 8 ., Christ episcopal Church rooms. F a Olive Branch Lodge. 7 30 H a salvation army ladies Home league 7 i a kiwanis club. 6 30 pm. H a rotary club noon. General Herkimer hotel. Ii a Herkimer senior citizens. I Galinsky apartments h a Herkimer lady elks. 8 ., elks Lodge. H a Herkimer Lodge f amp am 7 30 masonic Temple. 19w1 Bride or. And mrs. Lester t. Olmsted Richfield Springs announce the engagement of their daughter Brenda Jean to Thomas James Petty sen of or. And mrs. Earl w Petty of Clarence. The future Bride is a graduate of Rich Field Springs Central school attended Western Connecticut state College in Danbury conn., and recently received her Bachelor of science degree in biology from the state University College Al Oneonta. A graduate of Clarence senior High school Petty received his Bachelor of arts degree in music education from the state University College at Potsdam he recently received his masters degree in music performance from the University of Oklahoma. Petty is an instrumental music teacher on the faculty of Cherry Valley Central school. A july 1983 wedding is planned. With Christmas right around the Corner children Are eagerly lobbying for their favorite gift choices a however a warns Karen Burstein executive director of the state consumer Protection Board a popularity is not reason enough for a toy Purchase a a there is a Volunteer product Standard for most playthings developed by the toy manufacturers of America with the department of Commerce and the National Bureau of standards the purpose of the Standard is to establish safety requirements for toys intended for use by children up to 14 years of Consumers and other interested groups contribute to the Success of these Stan Dards by promoting their use and helping to keep them current with respect to new technology and marketing practices in order for shoppers to be Able to identify products conforming to the voluntary standards a statement of compliance May appear on the tag or Label along with the name and address of the toy producers importer or distributor the statement May read a conforms to safety requirements of ps72-76 a Burstein notes that the Standard does not cover a every conceivable hazzard of a toy nor its performance or what it does mean is that the toy has undergone thorough testing perhaps As Many As too different tests including an a abuse Quot test which involves exposing the toy to mechanical damage through dropping throwing and other actions Likely to be repeated by a child a an Quot Impact test which is intended to determine possible damage to a toy if it Falls from a crib table or counter top a a a Normal Quot use test and More such As a a bite Quot test a tip Over test a a tension a test a a flammability test a Wash and dry test and others specific to the nature of the toys usage after each test is completed the toy is examined for possible hazards such As Sharp edges Points and loosened inges Tible objects articles not covered by the voluntary product Standard include bicycles Sling shots Sharp pointed darts crayons paints chalks and other similar Art materials playground equipment b b guns kites and Hobby and Craft items in which the finished item is not primarily of play value sporting goods camping goods athletic equipment musical instruments furniture and powered models. As a general Rule the toy Label or tag will help you judge appropriate age. Skill and interest level. Further Check for terms such As a non toxic on painted toys a flame retardant or a flame resistant on fabric products hitching Post december 13,1972 Navy Seaman recruit Dann Walsh son of or. And mrs. Maynard Walsh of route i Frankfort graduated from recruit training at the naval training Center in Orlando Fla. Pat Meszler president of the Herkimer knights of Columbus auxiliary announced a Christmas dinner for k of c members their wives and All members of the auxiliary w As held in the k of c Home. The december meeting of the Herkimer county chapter association for retarded children was held at the boxes special education building. December 13,1957 Richard Monahan was reelected president of the Mohawk fish and game club at the annual banquet in the Valley tavern Mohawk. Crowley Barnum american legion auxiliary held a covered dish Christmas party in the Mohawk Post ome. Crowley Barnum american legion auxiliary Mohawk ranked second in the county for membership Edith Bullock Dolgeville county president reported at the county auxiliary meeting at the West Winfield american legion Post Home. And a washable hygienic materials on stuffed toys and dolls look for Quality construction and design and consider whether the particular toy can tolerate your child s Normal playing habits Burstein urges Consumers to teach their children the importance of storing toys until their next use in order to prevent breakage and avoid accidents she further recommends that All toys be checked for Wear on a regular basis and that any breakages be repaired or the toy discarded for toy safety checklist or further information on the subject write to the state consumer Protection Board. 99 Washington ave. Albany. By 12210 toy shopping facts from the consumer product Safet \ commission select toys to suit the age skills abilities and interests of the individual child the age recon emendations on Many toy packages can be used As a guideline be a Label Reader look tor these important words a a nontoxic a flame retardant or a flame for fabric products a washable hygienic material Quot for stuffed toys and a a a l approved Quot for electric toys a arrows and darts used by children should have soft Cork tips rubber suction cups or other Protection tips Check to lie sure the tips Are attached a Curtly to their shafts examine periodically couple married nov. 22 Marjorie Ann Leer of 139 w North St., Ilion and William Charles Clemons Mohawk re 2, were joined in marriage during a single ring ceremony performed nov 22 at the starlit inn in fort Herkimer. The Bride is the daughter of Stanley Geer 30 armory St., Ilion and the late Georgia Vargo the bridegroom is the son of Edna and Phylo Walts Mohawk re 2, and Robert William Clemons of Canajoharie. Ilion Village Justice Robert Reese officiated at the la am. Ceremony in which the Bride wore a Light Blue gown and carried a single Long stemmed Pink Rose. Matron of Honor and Best Man were Cert and Walter Nourse of fort Herkimer owners of the starlit inn Michael sequin was ring bearer. A reception immediately followed the ceremony featuring country and Western music. A 1980 High school graduate the Bride is employed at the masonic Home in Utica. Her husband a 1974 graduate of fort Plain High school works in maintenance for Herkimer housing. The couple resides at 139 w. North St., in Ilion. To insure that tips remain during use protective secured a avoid toys that shoot or propel objects that May injure eyes or get lodged in throats a for infants or toddlers avoid toys with Long strings or cords a possible strangulation hazards a when buying soft toys for children make sure you Purchase a Well made item with eyes and nose secured tightly a be wary of toys that can produce sounds at noise Levels that can damage hearing. For instance Federal Law requires this warning on boxes of Caps producing loud notices Quot warning a do not fire closer than one foot to the ear do not use it is recommended that children too Young to understand this warning not be Given these Caps. Electric toys with heating elements Are recommended for children Over eight years old and Only As Long As there is adult supervision. A consider the surroundings in w hich the toy w ill be used is there sufficient toy storage and play space a will Young siblings by exposed to toys designed for older children ? instructions should i get Clear to you and when a approx pirate. To the child after you get the toys Home a pc suggests the following a discard All plastic wrappings which could cause suffocation never hang toys with Long strips cords loops or ribbons in cribs or playpens where children can become entangled examine toys periodically for Wear and tear discard any that Are beyond repair. Teach children to put their toys safely away on shelves or in other storage areas after playing to prevent tips and fails a keep toys designed for older children out of the hands of Little ones a for children under three avoid the hand Down toys with Small parts a try not to leave toys exposed to the elements rust and other damage can become a source of danger remember to repair and clean Quot out of season Quot toys before storage it helps extend their life by Abigail Van Buren a 9#? by Universal pm is Send can a \ dear Arby in a 39, divorced for three years. In the last 15 months in be worked 16 hours a Day five Days a week and eight hours every saturday and sunday to help 15-year-old unmarried daughter through a rough ordeal. She became pregnant and gave birth to a Beautiful child. I paid All the Hospital and doctor Bills and saw to it that she and the baby had everything they needed. In be been dating a Fine Man for two years. He a been through a lot with and asked to marry him. In be said yes to a january wedding. The problem is he lives in another town too Miles away and daughter refuses to move with . After working so hard for her All i ask is that she finish High school which will take two years and live under care until she a 18. Her excuse for not wanting to move is she does not want to leave her friends should i demand that she move with us. Or let her quit school and get a Job when she turns 16 a three months from now torn Mother dear torn thus far your daughter has never had to take responsibility for her actions because you have always come to her Rescue. Its time you let your Little girl grow up. If you forced her to move with you she would probably become hostile and angry and run away. Try this approach instead Tell her you want her to move with you but she May stay behind if she is Able to support herself and provide Adt quaely for her child. After she puts Pencil to paper and sees for herself that she can to make it alone she will agree to move with you. And the decision will have been hers. Dear Abby this May seem trivial but it May break up marriage of almost 25 years. Its wife a hairstyle. A couple of years ago she had her hair Cut very Short. I told her at the time i thought it was Phi Short and i did no to like it. She told her friends liked it and i would just have to live with it. After a year and a half she let it grow and now she has another hairstyle that make her look ridiculous. Its so bizarre it actually reduced otherwise healthy sex Ual interest in her. I find it difficult i look at her and done to even want i be seen with her what bothers most is that she is so insensitive to feelings. I need a solution a Short of taking a walk stumped in Evanston dear stumped the Central Issue Here is More than a hairstyle. Why should your wife a hairstyle be so All important to you and Why should she insist on a hairstyle her husband finds so unappealing you both need to see a Counselor and let your hair Down. Confidential to gamblers wife your husband sounds like a compulsive Gambler. A compulsive Gambler never quits when he a ahead. He continues to bet until he a lost everything. Then hell borrow to Gamble hoping to recover his losses. There a a amblers Anonymous in your area. Its listed in your Telephone directory urge your husband to attend one meeting. If As you say he a already lost everything he has nothing to lose. Good Luck. Its time you had some. Every teen Ager should know the truth about drugs sex and How to be Happy. For Abby a Booklet Send $2 and a Long stamped 37 cent addressed envelope to Abby teen Booklet . Box 38923, Hollywood Calif. 90038. R i Henderson notes or. And mrs. Maynard knights Kast Bridge were thanksgiving Day dinner guests of mrs. Edgar Caiman or. And mrs. Steven Staruck and family were thanksgiving Day guests of mrs. Staruck a parents or and mrs. Louis Richvalsky and family Robinson Road or. And mrs. Donald Aney and family were thanksgiving Day dinner guests at the Home of or. And mrs. James Gardner in East Springfield introducing Money Market checking at Herkimer county Trust starting tuesday december 14th a edic insured for safety a High yield Money Market rates a easy Access and flexibility a no penalty for withdrawal a no fees a $2500 minimum balance come in to one of our convenient offices to talk to a new accounts representative for details and rates local and Independent the War to Bank. »00 Doc Odic Bimmer county Trust Herkimer 319 n mom St phone 866-7800 Little Falls 501 e main St phone 823-0300 Dolgeville 71 n main St phone 429 3151 j fat l

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