Newspapers / The Carolina Times (Durham, … / April 14, 1979, edition 1 / Page 3
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aster Sale! Closeout on 17.6 cu. ft. top mount refrigerator. Sale 399.95 Orlg. 549.95. Closeout savings on 17.6 cu. ft. Imperial top mount. 0618 Frostless throughout Three adjustable cantilever shelves Four door shelves Reversible doors fit any kitchen White and available natural decorator colors Full Ortt Year Warranty modal 0618. Within one year ot purchase, we will provide home service to repair, or. at our option, replace this JCPenney refrigerator it defective in material or workmanship. Just contact the nearest JCPenney facility for prompt service. Power economizer switch SATAPftlL14,1979 THE CAROLINA TUU'ZS-3 l" : 1 n sSsmJ I Four adjustable ils. PI h '"'''''i iVow " mX Sorry, not available outside our normal delivery "5 area. Phone for details. - Ail Saw ro I on this large capacity team Bleach and fabric softener dispenser 1925 4740 Sale 299.95 Reg. 339.95. Large capacity washer with two washspin speed combinations. 1925 Three water temperature combinations Self-cleaning filter ring Porcelain top and lid White and available natural decorator colors Sale 229.95 Reg. 259.95. Matching electric dryer. 4740 Automatic time control End-of-cycle cool down Security start switch White and available natural decorator colors Sale 259.95 Reg. 289.95 Gas dryer. 5740 Full One Year Warranty for model 1925, 4740, 5740. Within one year of purchase, we will provide home service to repair, or, at our option, replace this JCPenney automatic washer or clothes dryer, if it is defective in material or workmanship. Parts and labor are included. Just contact the nearest JCPenney facility for prompt service, Save $235. on this 1 0 watt receiver, speakers & turntable. Sale$244.00 tog. '479. Modular Component Systems MC$r series warranty. Full 5 years on spiers, full 3 years on receiver and tutntfiftte, . (I r, wcs tl U Series Removable front grille cloth Bass re flex port 2Vin. low mass cone tweeter 8-in. wooferwith 1-oz. magnet f i. fc ?$4-- y ' ...i . . ., ".'! - 11 .mr V...V..T.: I .Mi.. PM tO 2 94 M M 1 100 102 W K KX T J i ff i i i i T i i i i M jfel iJ ut to too roo aoo woo 1200 1400 ioo . -mj : III Pm4 MMM.MNH Ht.wl M tlM. ... ,.M. I.... ... Hmm J - jiKji timS 'JsL 'Jfffii' " " "fSk V : c ' .,... M 1 Low filter 09UItlurniapw. oinmar SDeaker Sianal monitor control Scratch Flywheel filter tuning selector strength meter & i?dCPenney JCPenney it m ' -J 1 w Call for Action Tips, Four water level . rs7r' Dryin9 time settings V fe&Tt set,in9 I I Removable lint LbhI screen CHUCK MORRISON Chuck Morrison Appointed Mgr. Chuck Morrison has been appointed manager of spe cial markets at the Jos. Schlitz Brewing Company. He first joined Schlitz in 1972 and was projects manager for Schlitz and Schlitz Malt Liquor when he left in 1977 to join Burrell Advertising, Inc., of Chicago, where he was account supervisor on the McDonald's account. Morrison is a native of Dallas and was graduated from Bishop College there. President Acts Speed Census Taker Hiring WASHINGTON, D.C. -The President directed the Secretary of Commerce in consultation with the Director of the Office of Personal Management to de velop an alternate hiring sys tem for the recruitment of temporary census employ ees. The President directed that as many qualified census employees as possible be drawn from the neighborhoods in which the census is being taken. "The Civil Service Reform Act permits the President, in exceptional circumstances, to waive normal hiring practices for selected Federal employ ment," OPM Director Alan K. Campbell said. "Special provision has been made for the re cruitment of temporary census employees outside the normal government hir ing procedures since the first census was taken in 1790," Campbell added. "Because of the large number of employees who must be recruited, trained, and employed within a short period of time, it would be extremely time consuming and costly to use the normal hiring proce dures." Census employees gener ally must be drawn from a relatively restricted geo graphic area and from groups of persons who are qualified to collect data and who are able to accept in tensive field work for short periods of time. To be able to see with clear vision is very import ant to all of us, but do most people know how often they should have their eyes exam ined? This article is from the pages of Everybody's Money sent to Call For Action as a public service by the Credit Union Na tional Association, Incor porated. Here are some tips epo ple can use to judge the pro per time between exams. Basically these tips vary with age and vision. As a general rule, if a person does not wear glasses, one EYE EXAMS requires fewer exams than if one does. But one should see a doctor if one de velops a problem or in juries the eyes. The first full exam should be at age 3J4 to dectect any child hood diseases. Unless a youngster develops a prob lem, an exam every few years will do. And the same holds true for people who are between the ages of 20 and 45 and wear glasses or' contacts. If people do not wear glasses or contacts, an exam every give to six years until the mid-forties is adequate. After 45, it's a good ides to have an exam every two years. Call for Action Volun teers are on duty manning the telephones from Mon day through Friday during the hours 1 1 a jn. to 1 p m. in both Raleigh and Durham. Call 688-9306 in Durham and 828-7578 in Raleigh. Volunteers will give you helpful referrals if you have problesm with health, legal, law enforce mentpolice, consumer, or mail order complaints. YOU AND THE LAV "Co-Signing Is Risky" Evelyn Dove Staff Associate LEGAL AID SOCIETY OF NORTHWEST NORTH CAROLINA, INC Cosigning for a friend or relative to procure a loan is often an admirable fete as it evidences confidence in the borrower. Sometimes, however, the cosigner is re quired to repay the loan. "Three out of four cosigners of finance company loans are asked to pay," reports the Better Business Bureau. If a borrower can't repay the loan, the lender can hold the cosigner personally liable for the debt. If the borrower has not made payments on time, the cosigner becomes liable for late payment fees. If the lender decides to sue the borrower, the cosigner may be liable for court costs and attorney's fees. So, co signing is a serious endeavor. The cosigner could end up paying the entire debt, plus late fees and costs of any legal actions. Legal actions may be instituted by the lender against the borrower or against the cosigner. If the lender wins the case, the cosigner's wages and pro perty can be taken to cover the debt. Whatt does the cosigner get in return for the risk he or she takes? Not property, car or furniture one dollar! When asked to as security for the loan, cosign, remember the fact 4. Ask that the lender that a professional lender agree in writing to notify is not willing to take the you if the borrower misses risk you are being asked a payment. Notice should to take. Obviously, the be (riven before a late lender woman t require a cosigner if the borrower were a safe risk. There may be times when one wishes to cosign a loan for a close friend or family member who is in trouble on a loan and facing repossession of goods or legal actions. If co signing is imminent, remember these points: 1. Be sure ycu can afford to repay the loan. If you are asked to pay but cannot afford to, you may be sued and your credit rating will likely be damaged. 2. Try to get the lend er to agree that you will only owe a fixed amount. The lender is not obligated to do this, but ask that a statement be written in the contract freeing you from liablity for late charges, court costs, and attorney's fees. 3. Do not pledge your charge is added or the loan is accelerated (entire loan demanded). 5. Be certain to get copies of all important papers signed by the borrower. Examples are the loan contract itself, the Truth-in-Lending Disclosure Statement, and all warranties. Finally, remember that cosigning is a risky endeavor. It is often not a good idea and should be given careful, unpressured consideration. A survey submitted by the National Consumer Finance Asso ciation to the Federal Trade Commission shows that 74.6 of those who co sign finance company loans are required to repay the loans. Think about it. If you have further questions, contact your local Legal Aid office. High Court Hoars VVobor Caso Settlement of Firo Fighter Bias Unclear V... WASHINGTON - While the U.S. Suprme Court was heairng the Weber "reverse job dis crimination case", civil rights leaders were trying to evaluate the Caifornia fire men's decision the court had just handed down, 5 to 4. At issue in the Weber case is a 50-50 white-to-black quota used by Kaiser Aluminum & Chemical Corp. to select workers for skilled craft on-the job training program at the Gramacy, La., plant. A white worker, Brian F. Weber, who failed to get into the program, sued the corporation, claiming racial discrimination against him. Lower courts have decided in his favor, and the case is now before the high court. The NAACP has filed a friend-of-the- court brief. Civil rights leaders, are saying if the court decides in favor of Weber, the effects on blacks and other minorities could be devastating, offering no promise for blacks to over come long years of past employment discrimination. In the California NEWSPAPERS REGISTER OPPOSITION TO DEBT COLLECTION BILL vrjcMclM. RALEIGH. N.C. -A bill recently introduced into the N.C. General Assembly that would estab lish wage garnishment and could lead to impri sonment of debtors, has drawn strong opposition from one of the state's major newspapers, the N.C, Consumers Council, and Legal Services of North Carolina (LSNC). The 82-page debt col lection bill was proposed by the N.C. Bar Associa tion and is the result of more than two-years' work by the Bar. Included in the bill is a provision enabling the courts to order an em ployer to take from an employee's wages an amount set by the court, if the debtors wages are more than $1,000 a month. "We feel one of the prob lems is that there are no assurances that this income level would be adopted," said LSNC Legislation Director Patric Mullen. "The legislature would have the option of lowering the amount. It's also unclear how one claims this exemp tion and whether or not it refers to net or gross in come" The bill also would es tablish a new system through which the court would not only . order the debt collection. Failure to obey a court order to pay a . judgement debt could result in imprison ment of debtors. The bill further authorizes law enforcement officers carrying out their responsibilities in the debt collection process to use "reasonable force, short of deadly force." This would permit officers according to the bill to, "enter upon pro perty and break open doors or other barriers to the extent necessary..." "Our nalysis of the pro posed legislation forces us to conclude that the legis lation, as currently drafted, remains fundamentally flawed," said Mullen. "Many of the bill's pro visions allow for injury to established civil and procedural rights, to the right of privacy and to the Constitutional rights of property guranteed to the citizens of our state. Therefore, we recommend that this legislation be re manded to the Bar Asso ciation for further con sideration." In a recently issued paper on the debt col lection bill, LSNC says the legislation is a "lawyer's bill . . . .drafted by attorneys, for the bene fit of attorneys. tate to use deadly force in killing the debt collection bill." Also recently, the N.C. Consumers Council passed a resoultion opposing the bill on the grounds that it permits wage garnish ment, provides for court supervised collection of private debts, and that the cost of implementing the legislation would be prohibitively high. Legal Services of North Carolina is a private, non-profit organization firemen's case, the majority on the court held the original issue of discrim ination against blacks and Hispanics have been corrected, and that there was no likelihood that Los Angeles County would lose its race-concious ways, and, therefore, the test case against the county was moot, or thrown out. Deciding with the ma jority were: Justices Thur good Marshall, Harry A. Blackbrun, William J. Brennan, Jr., Byron R. White, and John Paul Stevens. The minority, justices who tend to oppose racial quotas, issued a dissent claiming that the legal question is unsettled. They say the county is entitled to know whether its former hiring policies were legal and whether the courts were right in imposing quota on it. The Justices are: Warren E. Burger, chief; Lewis F. Powell, Jr., William H. Rehnquist, and Potter Stewart. funded by the national Legal Services Corporation to provide free civil legal assistance to low-income people in 82 of the state's 100 counties. member of the Federal Home Loan Bank Board. w.k 1Q7Q th. R9wh William Taylor and payment of a debt but News an(j Observer urged Ms. Glenda Sloan of the would also supervise the tne usiature not to "hesi- Center for National Policy Congress Urged To Put Teoth In Fair Housing Amendment WASHINGTON (NNPA) -Secretary of Housing and Urban Development Patricia Roberts Harris and eight other civil rights leaders and housing experts pleaded with Senate Ju diciary Subcommittee last week to amend the Fair Housing Act to give it teeth. Others show joined the secretary are: Robert C. Weaver, former secre tary of HUD; Ms. Althea T. Simmons, Washington Bureau chief of the NAACP; Clarence M. Mitchell, Jr., retired chief; Anita Miller, Review; Cushing Dol beare, National Low-Income Housing Coalition; and Drew W. Days, Assistant Attorney General. Sen. Birch Bayh is chairing the Subcommittee hearings. Secretary Harris pointed out to the Subcommittee that HUD needs authority to refer complaints to the Department of Justice for civil action even in cases where a pattern of dis crimination may not exist. "This would provide HUD with two alternative enforcement routes: The judicial route and the administrative route," she declared. The hearings will resume soon.
The Carolina Times (Durham, N.C.)
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April 14, 1979, edition 1
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