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Lethbridge Herald Newspaper Archives

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Lethbridge Herald, The (Newspaper) - November 28, 1970, Lethbridge, Alberta Saturday, Novornbor 58, 1970 _ 1H1 HTHW1DM HKAIB It Relationship ol trust By MARILYN ANDEUSON HeniM Family Editor Overspending is the main dis- advantage o! 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 fa 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 of unsolicited credit cards. Neither legal means nor Cana- dian post office regulations have been successful in pre- venting companies from send- ing i customers. Just recently New York ruled that issuing credit cards is a misdeamean- or unless they are requested in writing by the consumer, and Bhode Wand has outlawed the mailing of unsolicited cred- it cards. The Association of Canada has made several recommendations to the con- card. Don't leave it where it can be 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 Snsk. legislation HEGWA (CP) Welfare Minister C. P. MacDpnald to- day said legislation will be in- troduced-at the next legisla- ture session, providing for adop- tion of children by single peo- pte.. The practice has in fact been in 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 single 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 oJ 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 it year old boy was the oldest adopted to date by a single per- son, while the youngest was 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 Hie 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 tire single person adopting a child has a relative, a brother or sister, liv- ing nearby. Single people don'! usually want to adopt infante. Mr. MacDonald said that cou- ples adopting children, on the other hand, prefer infants. what bills will be forthcoming. Check your itemiied bill when you receive it. Notify companies of a change address. If you use credit instead of paying cash and pay the bill at the end ot the month, you will avoid service charges, earning an extra SO days inter- est at the bank. When you make large jar- chases using credit, you have 30 days to inspect the purchase and have any defects repaired before payment is due. Consumers who sign promis- sory notes to pay for their goods have new protection from unscrupulous sellers since Nov. 1, this year. Prior to this date a promis- sory note could be sold to a third party who could collect the owing amount even though the merchant had not fulfilled his part of the contract. Not any longer. Now, promissory notes must be marked "Consumer Pur- chase." With this marking the third party has no more right to be paid than the merchant wlw has not lived up to his word. The new provision also ap- plies to cheques postdated more than 30 days and to other types of bills of exchange given for consumer purchases. There are two sides to the credit picture. The one argues that credit is too easily obtain- able, and that interest rates are not easily unders t o o d by the consumer. 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 ligh percentage of good credit risks, the chance of loss is lim- ted, making the granting of A calendar of local happenings The regular meeting ol the Lethbridge Toast Masters Club will be 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 ovit town pWESTS at Christmas the Tea annual and Ba- zaar of Order of the Hoyal Pur- pis to be held to the Elks Hall, Wednesday, will be welcomed by Mrs. W. Stewart HHL, Mrs. V. Both, Mrs. F. Stuckert, Mrs. S. Johnson, Mrs. E. Rom- bough. Cashier for the afternoon Sirs, K, McLaren; Mrs. G, Spoflos money doll raffle; .Santa's wishing well Mrs. B. Geetson; decorations Mrs. T. Taylor assisted by Mrs. R. lAing, Mrs. W. Stewart, Mrs. V. Both; Bake table Mrs. J. Smol- aicky assisted by Mrs. D. Lew- is, Mrs. M. Lunde; tea tables Mrs. A. Hanson, convenor, assisted by serviteurs Mes- dames E, Akroyd, E. Deter- mah, J. Nagy, D. Roadhouse, C. Gedrasik, A. Kennedy, W. Mose, Lintterman, T. Ham- blin, T. Brown, J. Johnson, M. Mahon; Kitchen-convenor, Mrs, L. Sorenson assisted by Mes- dames E. Stark, G. Jolmson, R. Vath, W. Kirk, E. Stafford, P. Kish, S. Carmidiael, M. Atkin- son, L. Mead, B. Wihnan, W. Livingstone. Sharing pouring honors will be Mrs. G. Nicolson, Mrs. G. MihalSr., Mrs. K. Beber, Mrs. T. Taylor. Feature of the af temoon will be a demonstration of wigs by S. Howell and J. Zaremba. Lethbridge Christian Wom- en's Clnb invite the general public to a luncheon Wednes- day from to p.m. in Sven. Ericksen's Family Res- taurant. Special feature will be a demonstration on seasonal gift wrapping. Music -will be by Lett Scliroeder of LeUibridge. Henry Nikkei of Coaldale will be the speaker. Reservations to Mrs. Julianna Siemens at 328-7892 by Monday, (also for CGIT will hold a vesper ser- vice, Dec. 20 at 7 p.m. in First United Church. 8 The regular meeting of the Lethbridge Social Credit Wom- 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 of gifts. F.O.E. BINGO TONIGHT EAGLES HALL AYS. A and St. M. Every Saturday Night af 8 p.m, S Card! for l.OO Each Twelve 7 Number Gomej JACKPOT frse (tames free DOOR PRIZE Children under 76 not allowed Ladies Auxiliary to Army, Navy and Airforce Unit 58 will hold its' Christmas banquet, Wednesday at p.m. in the club rooms. There will be a gift exchange. 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- sell Singers and the choir will >e available. The regular meeting of the Old Man River Potters Guild will be held Monday at 1 p.m. at the home o( Mrs. E. Dunn, 1705 13 Ave. S. Regular FOE bingo will be held tonight at 8 o'clock in the Sagle's hall. Jackpot of fa S3 numbers. Everyone wel- come. U.S. reserve going co-ed WASHINGTON like men's colleges and bars, another mate bastion is about to fall. The tJ.S. Army Beserve 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. Kobert 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 xvill solve the problem. All fte gals have to do is knock first and flip Hie 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 Army Corps members oa active duty BOW. Tlic army hopes to recruit possibly as many as 10.000 WACreservists to serve alongside mea in all types of units except combat or combat-support outfits. "We don't want to make into says MaJ. Rhoda Messer, a WAC information officer. But just about every other type of job except heavy construction is open, she said. LAST CHANCE to buy AVON GIFTS BEFORE CHRISTMAS Please Phone 328-7424 Port Macleod square dancers will hold their regular dance on Monday at p.m. with round dance practice at 8 p.m., in the elementary school. All square dancers are welcome. Women are requested to bring a box taieh and cups. a f Ladies Orange Lodge No. 116 regular meeting to be held in the Gas Co. showrooms, 9th St N. on Tuesday at p.m. Election oE officers will be held. A Christmas party and gift exchange will follow. f Loyal Order of Moose will hold its anniversary social and dance, Saturday at 9 p.m. in the Moose hall. Music by the Bow River Orchestra. For members and invited guests, e Soutliminstcr square dance learners' group will meet Mon day at 8 p.m. in Sotithminster haH. Women are requested to bring a box: lunch. 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 the 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 UK necessity of a good credit rating. R, E. Olley, professor of eco- the full meaning of credit 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 dear and consistent way; it would gather information about credit users, individually and as a class. !t would encourage the devel- opment of counselling services, and encourage clearing houses tion. and sponsor for iniorma- Ann Landers DEAR ANN LANDERS: My husband and I retired two yea's ago and moved to Florida. He is 65 and I am 61 The problem is relatives. His mother and dad, who arc in then 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 Landon was not elected president and insists that somebody "monkeyed with the votes." We have gone through two winters of company and we catft take any more. Our tittle home has only one bath- room and 30 minutes is too long to wait. How does one tell parents who are in their 80's to stay home" Grostfid, DEAK OVER: You can't tell anybody to stay home but you can tell anybody, including your parents, that your home cannot scoommodata four people comfortably and1 they should not plan on staying with you, DEAK ANN LANDERS: I admire your willingness to admit Hat someone else might have a better answer ilian 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 "Dishpaa Hands And Swollen Feet" She said she'd enjoy s can oJ beans at her daughter-in-law's house it 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: Wten we were first married we had dinner at her place every Sunday. When I helped my norther- Maw 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 mid I refused to invite her to our place. Why? Fear. Fear of being criticized every time I drew i. breath. B 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: Sie is and I am, Thanks for writing. How will you know when the rea5 thing comes along? Ask Ann Landers. Send tor her booklet, "Love Or Sex And1 How To Tell The Difference." Send 35 cents in coin and a long, self-addressed, stamped envelop with your request Consumer credit Is tacreas- ng yearly. In 196J Canadians Dialled repayment commit- ments twice what they owed in Dominion Bureau of Statis- tics report a figure of XW.OOO at the end of Dec. 1968 n consumer credit balances utstanding. This figure compares with at the end of De- 1967. Included in this igure are sales, finance com- >any loans, consumer loans as nstalment credit and cash oans, chartered bank personaj oans, Quebec savings bank oans. life insurance, policy oans, department store, furni- ure and appliance dealers' In- stalment credit and charge ac- counts and instalments owing 'ehicle dealers. Nearly another billion was owing to credit unions, oil com- ranies on charge accounts and ilher retail dealers. DBS states that the Inereass is largely due to a nearly million increase in department store credit and over mil- .ion increase in cash loans jom consumer loan com' sanies. The Canadian Consumer quotes one hapless consumer "Credit cards have been the debt of me; I charged when I should have retreated." MORE LIKE A GUIDE Bryan Davles, a 21-year-old Trent University student who o o full staff member of o day care ea ntre, comiders himself more of a guide than IS olsO O TUH S'tJ'f M o teacher. And he thinks it is a myth that maka better teachers of young child- ren. Here he gives a few on hommaftos Jimmy Brown, 3, while sisler Gail, 5, wails her turn, Healtli careers conference for counsellors Health careers will topic under discussion dining t, conference for all school sellers in Lethbridge and dis- trict, Tuesday, Dec. 8 from t to p.m. in the St. Mich- ael's School of Nursing auditor, ium. Local personnel in medic a 3 fields will present a total hire of the medical field, train- ing required and job ilies. The medical areas incWrt are: medical laboratory, medi- cal x-ray, dietitian, inhalat ion therapy, medical records, occu- pational tlierapy, pharmacy and nursing programs. Hie 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 (Uplloirt) EVERY THURS.-8 p.m. THE BETTER HALF By Bob Barnes "Ours was a modest wedding reception.. .We all drank our cooking sherry and then hurled rho telly glasses info the fireolaee." CASH BINGO HUNGARIAN OLD TIMERS HAU TONIGHT, SATURDAY g O'CLOCK A Blackout Bingo played for till won Saturday plus 2 7-Numblr lodtpeit JACKPOTS NOW AND S Cards for or 25e each (located Next to No. 1 firoholl) ORDER OF THI ROYAL PURPli CHRISTMAS TEA and BAZAAR MONtY DOLL RAFHS-BAKE TABLI-WIS DISPLAY Wednesday, December 2 H-KS HAIL 3rd S. ADMISSION SOt SVERYONE WELCOMI COMMENCING lure to eomo In and our telec tion of Chriilmm Gift llcmf and Gifl ;