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Lethbridge Herald Newspaper Archives

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Lethbridge Herald, The (Newspaper) - November 28, 1970, Lethbridge, Alberta Sntuiifojr, Novombor 38, 1970 THIIITHIRID9E HERALtJ IS Relationship of trust Coping with credit: care, counselling, and judgement By MARILYN ANDEUSON Hernlil Family Editor Overspending is the main dis- advantage of credit, and credit cards in particular. For 93 per cent of the city's consumer public, it's an irritation at the end of each month rather than a serious problem. For the other seven per cent, it can mean embarrassment, possible harrasnient by collec- tors and creditors, court, arid a financial millstone for many years to come. Any credit source recom- mends a better knowledge of sale agreements, time pay- ments, and interest rates. Yet this "relationship of as credit has been described leads to too much trust for both par- ties, the creditor and the debtor, with one major difference. The creditor knows his risks in trusting a consumer, charges for them acordingly. The con- sumer often knows little or no- thing about them. Protection in the use of credit is heavily weighted in favor of the business. At a usual annual interest rate of 18 per cent and more on revolving accounts, and general mark-up on cash sales to include the operating expenses of credit service, the store is looking after its own interests. In effect, the customer who pays cash is subsidizing the one who uses credit. One method of control is the use of unsolicited credit cards. Neither legal means nor Cana- dian post office regulations have been successful in pre- venting companies from send- ing credit cards to prospective customers. Just recently the stale of New York ruled that issuing credit cards is a misdeamean- or unless they are requested in writing by the consumer, and Rhode Island has outlawed the mailing of unsolicited qred- it cards. The Consumers' Association of Canada has made several recommendations to the con- sumer to save money and head- aches: Take care of your credit card. Don't leave it where it can he stolen. If it is, report the loss immediately to the is- suing company's head office by telephone and registered letter. You are not legally responsible for goods made on an unused solicited credit card, but you are liable for purchases made on a card you have used or signed. Single parents may adopt In new Sask. legislation REG1NA (CP) Welfare Minister C. P. MacDonald to- day said legislation will be in- troduced .at the next legisla- ture session, providing for adop- tion of children by single peo- pie.. The practice has in fact been hi effect since July and five single'women and one unmar- ried man have adopted chil- dren. "Our initial indication appears to substantiate our beliefs that single parent adoption will pro- vide additional homes for chil- dren otherwise difficult to place." The province's first stogie male to become an adoptive parent is a Saskatoon man in his 40s who adopted two toys, aged 11 and nine, Mr. MacDon- ald said. He did not identify the man. "Male interest is high but of course we process the applica- tions he said in an interview. The department would be particularly careful if a man applied to adopt a teen- age girl. Mr. MacDonald said the 11- year old boy was the oldest adopted to date by a single per- son, while the youngest was a two-year-old. He said the motives of single people for adopting children are similar to those of married cou- ples, but there are limitations. If tlie single person has a day- long job, the department of wel- fare must be certain that baby- sitting services will be provid- ed for the youngster. It is preferable if the single person adopting a child has a relative, a brother or sister, liv- ing nearby. Single people don't usually want to adopt infants. Mr. MacDonald said that cou- ples adopting children, on the other hand, prefer infants. Keep a list of month credit purchases to avoid ove spending and to be able to pi diet at the end of the mon what bills will be forthcoming Check your itemized b when you receive it. Notify companies of change of address. If you use credit instea of paying cash and pay the b at the end of the month yc will avoid service charge earning an extra 30 days inte est at the bank. When you make large pu chases using credit, you hav 30 days to inspect the purchai and have any defects repairi before payment is due. Consumers who sign promis sory notes to pay for the goods have new protectio from unscrupulous sellers sini Nov. 1, this year. Prior to this date a promi sory note could be sold to third party who could collet the owing amount even thou the merchant had not fulfill his part the contract. N any longer. Now, promissory notes m u be marked "Consumer Pu chase." With this marking t third party has no more righ to be paid than the mercha who has not lived up to i word. The new provision also a plies to cheques postdate more than 30 days and to othe types of bills of exchange give for consumer purchases. There are two sides to th credit picture. The one argu that credit is too easily obtair able, and that interest rates are not easily unders t o o d b the consumer. A calendar of local happenings The regular meeting of the Lethbridge Toast Masters Club will bs held Monday at 6 p.m. in the Park Plaza Motor Hotel. Persons interested in learning public speaking should contact the club executive at the meet- ing or write The Toast Master Club, 2909 15th Ave. S., Loth- bridge. an a onl own, at the annual Christmas Tea and Ba- zaar of Order of the Hoyal Pur- ple to be held in the Elks Hall Wednesday, will be welcomec by Mrs. W. Stewart EKL, Mrs V. Roth, Mrs. F. Stuckert, Mrs, K. Johnson, Mrs. E. Rom- bough. Cashier for the afternoon Sirs. R. McLaren; Mrs. G Spoulos money doll raffle; .Santa's wishing well Mrs. B. Gertson; decorations Mrs. T. Taylor assisted by Mrs. R. Laing, Mrs. W. Stewart, Mrs. V. Roth; Bake table Mrs. J. Smol nicky assisted by Mrs. D. Lew- is, Mrs, M. Lunde; tea tables Mrs. A. Hanson, convenor, assisted by serviteurs Mes- dames R. Akroyd, E. Deter- mari, J. Nagy, D. Roadhouse, C. Gedrasik, A. Kennedy, W. Mpse, R. Lmdermau, T. Hani- Win, T. Brown, J. Johnson, M. Mahon; Kitchen-convenor, L. Sorenson assisted by Mes- dames E. Stark, G. Jolmson, R. Vath, W. Kirk, E. Stafford, P. Kish, S. Carmichael, M. Atkin- son, L. Mead, B. Wihnan, W. Livingstone. Sharing pouring honors will be Mrs. G. Nicolson, Mrs. G. Mihalik, Mrs. K. Reber, Mrs. T. Taylor. Feature of the afternoon will be a demonstration of wigs by S. Howell and J. Zaremba. F.O.E. BINGO TONIGHT EAGLES HALL 6th Ave. A and 13lh St. N. Every Saturday Nighf at 8 p.rru S Cards for l.OO or 25< Each Twelve 7 Number Games JACKPOT Frse Oames and Free Cards DOOR PRIZE Children under 76 not allowed Lethbridge Christian Worn en's Club invite the genera public to a luncheon Wednes day from to p.m. in Sven. Ericksen's Family Res- taurant. Special feature will be a demonstration on seasona gift wrapping. Music will be by Len Schroeder of Lethbridge Henry Nikkei of Coaldale will be the speaker. Reservations to Mrs. Julianna Siemens a1 328-7892 by Monday, (also for CGIT will hold a vesper ser- vice, Dec. 20 at 7 p.m. in Firs United Church. 8 The regular meeting of the Lethbridge Social Credit Worn en's Auxiliary will be held in the form of a Christmas party in room 15 of the Civic Sports Centre, Wednesday at 2 p.m. There will be an exchange o; reserve going co-ed WASHINGTON like men's colleges and stag bars, another male bastion is about to fall. The U.S. Army Reserve is going co-ed. Before long, women will be doing about faces during weekend reserve meetings. "There may be some prob- lems at first, but nothing we can't says an army spokesman, Lt.-Col. Robert Zion. For example, in those ar- mories lacking separate toi- let facilities, Zion says a sim- ple sign reading "Men" on one side and "Women" on the other will solve the problem. All the gals have to do is knock first and flip (lie sign when they want to use the bathroom. During summer camp, off- base motels will serve as quarters for the girls when they go with the troops for their annual two-week train- ing, usually at some army post. The regular army has about Women's Army Corps members on active duty now. Tlie army hopes to recruit possibly as many as 10.000 WAG reservists to serve alongside men in all types of units except combat or combat-support outfits. "We don't want to make women into says Maj. Rlipda Messcr, a WAG information officer. But just about every otter type of job except heavy construction is open, she said. LAST CHANCE to buy AVON GIFTS BEFORE CHRISTMAS Please Phono 328-7424 Ladies Auxiliary to Army, Navy and Airforce Unit 58 will hold its Christinas banquet, Wednesday at p.m. in the club rooms. There will be a gift exchange. 9 A Christmas banquet will be held for the Southrninster Ju- nior Girls Choir and parents on Monday in the church hall at p.m. Snow Legend, a Christmas record featuring The Teen Clefts, The Anne Camp- bell Singers and the choir will be available. The regular meeting of the Old Man River Potters Guild will be held Monday at 7 p.m. at the home of Mrs. E. Dunn, 1705 13 Ave. S. Regular FOE bingo will he held tonight at 8 o'clock in the Eagle's hall. Jackpot of hi 53 numbers. Everyone wel- come. Fort Macleod square dance nil! hold their regular dani on Monday at p.m. wii round dance practice at 8 p.m in the elementary school. square dancers are welcom Women are requested to brin a box lunch and cups. a Ladies Orange Lodge No. 11 regular meeting to be held the Gas Co. showrooms, 9th S N. on Tuesday at p.m Election of officers will held. A Christmas party an gift exchange will follow. Loyal Order of Moose wi hold its anniversary social an dance, Saturday at 9 p.m. in the Moose hall. Music by th Bow River Orchestra. Fo members and invited guests, o Southminster square danc learners' group will meet Mon day at 8 p.m. in Southminste hall. Women are requested 1 bring a box lunch. Ann Landers DEAR ANN LANDERS: My husband and I retired two years ago and moved to Florida. He is 65 and I am 63. The problem is relatives. His mother and dad, who are in their 80's piled in on us less than three weeks after we arrived here. They stayed two months. Ten days after they left, my parents (also in their 80's) came down and moved in for four weeks. My mother is hard of hearing and she yelled1 at my father constantly. She also tried to take over my kitchen, which I resented. My father got into a political argument with my husband every night at the dinner table. He is still mad that Alf London was not elected president and insists that somebody "monkeyed with the votes." We have gone through two winters of company and we can't take any more. Our little home has only one bath- room and 30 minutes is too long to wait. How does one tell parents who are in then- 80's to stay home? Guested. DEAR OVER; You can't tell anybody to stay home but you can tell anybody, including your parents, that your home cannot accommodate four people comfortably and1 they should not plan on staying with you, DEAR ANN LANDERS: I admire your willingness to admit that someone else might have a better answer ttian you. I also admire the way you present both sides of a story. Please print this letter because it is the other side of the mother-in-law' problem. The woman signed her letter "Dishpan Hands And Swollen Feet." She said she'd enjoy a can of beans at her daughter-in-law's boose if they'd only invite her. Do you believe it? I don't. I have not invited my in-laws to a meal for four years. This is the reason: When we were first married we had dinner at her place every Sunday. When I helped my mother- in-law peel potatoes I was criticized for taking off too much potato. When I put ice in the glasses I put too many cubes in one glass. I couldn't set the table right. I placed Hie silver- ware too close to the plate. So we quit going there for meals and I refused to invite her to our place. Why? Fear. Fear of being criticized every time I drew t breath. If I couldn't even fill a glass of water to suit her how could I fix a meal? She destroyed my confidence and made me feel like an idiot. I hope you print this letter and give the daughters-in- law a break. For some reason you always favor Die mother- in-law. Yours must be great. If so, you're lucky. Child DEAR TUESDAY: She is and I am, Thanks for writing, L 9 How will you know when the thing comes along? Ask Aim Landers. Send for her booklet, "Love Or Sex And How To Teil Tlie Difference." Send 35 cents in coin and a long, sell-addressed, stamped envelop with your request Tlie other side, Hie lenders and credit grantors, argue that the consumer does not, or will not, accept responsibility for his own spending nor his own responsibility in understanding exactly what his financial si- tuation is. Entering Into the total pic- ture is the fact that an appli- cant may not tell the whole truth about his indebtedness when asking for more credit, and that the information may not bo accessible to the lending institution. Grantors of credits look to in- creased sales, and given the high percentage of good credit risks, the chance of loss is lim- ited, making the granting of credit worth It even without the complete financial statement of tlie applicant. It does, however, tend to in- vite those who know they are on a financial treadmill, to get in deeper difficulties, believing that they can manage their own affairs. Counselling services are available on a very limited basis and usually only to those who have already gone over- board in tlie sea of credit. Local credit personnel say they are only too willing to go into the schools to talk to young people about credit, and its dangers, an1 the necessity of a good credit rating. R. E. Olley, professor of eco- nomics at the University of Saskatchewan in 1968 urged the formation of disclosure laws in Canada to inform the public of the full meaning of credit at the time of sale. He said one function of any disclosure au- thority would be to sponsor counselling services for con- sumers. A disclosure authority would publicize financial terms in a clear and consistent way; it would gather information about credit users, individually and as a class. It would encourage the devel- opment of counselling -services, and encourage and sponsor clearing bouses for informa- tion. MORE LIKE A GUIDE Bryan Davies, a 21-year-old Trent University student who is also a full staff member of a day care ee ntre, considers himself more of a guide than a teacher. And he thinks it is a myth that women make better teachers of young child- ren. Here he gives a few on hammartoe to Jimmy Brown, 3, while sister Gail, 5, wails her turn. Consumer credit is Increas. ing yearly. In 1965 Canadians totalled repayment commit- ments twice what they owed in 1902. Dominion Bureau of Statis- tics report a figure of at the end of Dec. 1968 in consumer credit outstanding. This figure compares with at the end of De- cember, 1967. Included in this figure are sales, finance com- pany loans, consumer loans as instalment credit and cash loans, chartered bank persona! loans, Quebec savings bank loans, life insurance, policy loans, department store, furni- ture and appliance dealers' in- stalment credit and charge ac- counts and instalments owing vehicle dealers. Nearly another billion was owing to credit unions, oil com- panies on charge accounts and other retail dealers. DBS states that the Increase is largely due to a nearly million increase in department store credit and over mil- lion increase in cash loans from consumer loan com- panies. The Canadian Consumer quotes one hap less consumer "Credit cards have been tlie debt of me; I charged when I should have retreated." Heal tli careers conference for counsellors Health careers win topic under discussion during conference for all school sellers in Lethbridge and dis- trict, Tuesday, Dec. 8 from 1 to p.m. in tlie St. Mich- ael's School of Nursing auditor- ium. Local personnel in medic a 3 fields will present a total pic- hire of the medical field, train- ing required and job ities. The medical areas included are: medical laboratory, medi- cal x-ray, dietitian, inhalat i o a therapy, medical records, occu- pational therapy, pharmacy and nursing programs. The conference is being co- ordinated by Miss D. A. Wild, RN with the health careers re. cruitment branch of the provin- cial department of health. PUBLIC BINGO 16 GAMES LETHBRIDGE ELKS LODGE ROOM JACKPOT (Upstairs) EVERY THURS.-8 p.m. CASH BINGO HUNGARIAN OLD TIMERS HAIL TONIGHT, SATURDAY 8 O'CLOCK A Blackout Sings ployed for till wen Saturday plus 2 7-Number Jaekpett JACKPOTS NOW AND S Cards for or 25e each (located Next to No. 1 Fireball) THE BETTER HALF By Bob Barnes "Ours was a modest wedding .We all drank our cooking sherry and then hurled the Jelly glasses into the fireplace." ORDER OF THE ROYAL PURPLE CHRISTMAS TEA and BAZAAR MONEY DOLl RAFFLE-BAKE TABLE-WIG DISPLAY Wednesday, December 2 ElKS HAU ADMISSION 3rd Ave. S. EVERYONE WELCOME COMMENCING DECEMBER 1st Special lew prices will be in effect for hair tryling performed by apprentice hair stylish, These are qualified hair stylists whr are receiving beauty talon training, PRE-CHRISTMAS SPECIAL ONE RACK DRESSES AND SHAMPOOS and SETS 1.00 2 PERMANENT WAVES 7M2M BUCKSKINS 10 OFF Be sure to eomo In and see our selec- tion Christmas Gift Items and Gift Certificates. CLASSIC COIFFURES CLASSIC BOUTIQUE 323 6th Si. Phene 328-3044 323 oth St. S. Phene 328-3044 ;