•—Substance A bus Services director
I
Special To The Poet '
| When Dr. Robert Dupont
•talks aboi^t the problem of
alcohol and other drug use
py young people, he gets
•right to the point.
* Util- _ • ■
Adults who do drink al
cohol should have no more
than two or tree drinks in a
day and should not use
alcohol on more than three
days out of a week. Adults
who drink should also have
their drinking monitored
by someone who drinks less
tiian they do.
\ Finally, Dr. Dupont
talked about solutions to
the problem of drug and
alcohol use by young peo
ple.
Social events should be
arranged that will not
involve the use of alcohol
and drugs and parents need
to be ready to say no when
their children ask to at
tend a party that will in
clude such use.
“It-^is a myth,” said Dr.
Dupont, ‘‘that kids won't
Show up if it’s a drug free
party. Some kids are re
lieved, when drugs and al
cohoLaren’t available.”
According to Dr. Dupont,
for marijuana use on their
older patients.
Dr. Dupont also had
some woirds of advice for
the young people in the
audience on how to say no
to drug use.
“When you are offered
drugs it is best to be as
direct as you can be. But if
that makes you uncomfort
able, you can use an illness
^as an excuse or use the
threat of parental punish
ment. You can even say, ‘I
don’t do that anymore.’
“Your friends don’t real
ly care. The pressure to use
alcohol or drugs may
seem to be from the out
side, but it is frbm the
inside. It is your desire to
be a member of the group.
Dr. Dupont concluded
his speech by supporting a
set of personal Values that
has a long history.
“The values included in
our religious beliefs, our
laws and our family tra
ditions are values that are
hard earned. They have
answers for us now.
“We need to care about
each other. We need to love
each other. We need to
make a contribution to our
to^ur..
“We are here for a rea
son that is more import
ant than does it feel good or
not feel good.1
“We must be our bro
thers’ and sisters’ keep
ers.”
Mt. Carmel To Host Winter Gasses
The Metrolina Theologic
al Seminary will open its
Winter Classes at Mt.
Carmel Baptist Church,
3201 Tuckaseegee Road, on
Tuesday, February 14, at 7
p.m.
Dr. Leon Riddick, host
pastor and senior instruc
tor, will teach course No.
0252, “Pastoral Ministries”
which is a course required
by all students , seeking to
complete the 18-hour, 18
unit courses. (Che courses
that are taught are out of
Shaw Divinity School and
all grades issued from
Raleigh, N.C.
The Winter Classes will
, • ,• ' / ;
Business *
Women College
Alumni
. The Charlotte Club of the
National Association of Ne
gro and Professional Busi
bess Women Clubs, Inc.,
will sponsor its annual.Mr.
B and P (salute to black
men) Scholarship Fund
raiser Dance on Saturday,
February 18, at McDon
ald’s Cafeteria, located at
1-85 and Beatties Ford Kd ,
from 9 p m. to 1 a.m. .
For more Information,
call Sarah Cdoman at
298-3149. Sarah Stevsrtson
iBprMtdent ol tte Owr
___
last for nine weeks, every
Tuesday from 7-9 p.m. for a
total of 18 hours. The
center has more than 60
minister students and a 50
voice Minister’s Choir who
sings at the Annual Fellow
ship and Martin Luther
King, Jr. Observance on
April 3, which marks the
closing of the center for the
summer.
Patrons, ministers and
Bible teachers, male and
female, are invited to at
tend. To register or for
more information, you may
call the director, Rev.
William Lee, Jr., at 596
3821.
Call this number
376-0496
to report a
missing paper,
sub-standard
delivery service,
to start weekly
home delivery,
etc..
"1 ——
I , so w«ll tliaf W9 off«r i . '
3 YEAR WARRANTY
- SYSTEMS
EMARLE RD. - PH. 568-7090
HM0pH6MpttSs3SsSp8^S&i9i^i
| * j. 'SEBTr'
Credit Card Holders Advised To
Practice Management Skills
oy ivaren rtrter
Post Staff Writer
D«*pite the convenience
ci instant buyii* with
credit cards, William
Pickens, director of Con
sumer Credit Counseling,
advises credit card holders
to practice good manage
ment skills.
Money management be
gins with planning, ac
cording to Pickens. Just as
a person has to plan bud
geting and saving in order
to afford items with cash,
the same consideration
should be given* £o credit
cards, he warns.
' “Some people just go
wild when they obtain a
credit card,” Pickens
spoke straight forwardly.
“They lack discipline.”
He believes too many peo
ple with plastic money buy
instantaneously simply be
cause they know they can
charge it.
Unfortunately, there are
some financial institutions
which will take'advantage
of the consumer’s credit
card weakness. That’s
why Pickens insists people
read their contracts before
accepting a credit card.
Some banks may offer a
free VISA,” Pickens used
as an example. “What the
bank managers don’t em
phasize to the consumer is
that the interest will be
calculated on a daily
basis.”
Therefore, if the credit
card holder doesn’t pay the
entire balance on the ac
count at billing time, the
account could become as
tronomical in a short
period of time. The aver
age interest rates, accord
ing to Pickens, is 18-20
percent. Other interest
rates are calculated on the
prior account balance and
the adjusted balance.
Purchases charged up to
$30 should be paid in full,
with the first bill, Pickens
suggested. He advises peo
pie to limit the number of
cards they have to two.
If you can’t get your
charge card from a local,
reputable financial institu
tion because of bad credit,
then wait until your credit
has improved. Pickens is
leary of classified ads
that guarantee you a credit
card with no reference
check.
Pickens explained how
the scam works: First you
read an ad requesting you
to mail $5 to a P. O. Box
and there will be no credit
check. At this point, Pick
ena admits no credit check
is conducted. But, the se
« _'
cond step is to sena your
credit card -application to
another hank, or finance
company perhaps in Vir
ginia which actually does
run a credit check.
The company then writes
you about an advance fee
or a processing fee which
costs about $25. You didn’t
remember mention of this
when you read the classi
fieds. (That’s because
there was no mention of the
fee.)
The Consumer Credit
Counseling Office is locat
ed at 301S. Brevard St.
Subscribe To
The Charlotte Post
^50KiiHSUl!iiSSUSBl
Women’s designer and
famous name brand
styles...
everyday, ^ 1
every pair...
* Thousands of pairs of women’s dress
and casual styles in every store.
★ New styles
amVC dally!
I Hediinger - T. J. Moxx
I Shopping Confer
B | m 4734 South Boulevard
I l)
capex to ^ .
!»•-—J
MasterCard or Visa. Open daily,
9 am to 9:30 pm., and open
Sunday, 11 am to 6 pm.
•^ Not all styles in all stores.
Estate planning used to be the pro
v*r'f:e °* the very rich. Today, the person
or family who can't benefit from such plan
ning is the exception And there are a lot of
folks out there who would like to do k for you
Some individuals will tell you they
can handle it all
- The small bank says it knows you best.
The huge hank* tempt you with the
size of their trust departments and the num
her of warm bodies they have just watting for
yrur bumw
Wdl. we re First Gtizens Bank and
we drink that all of those options pose some
problems to the North Carolirian looking
for sound estate planning and management
For instance, estate plannirg today
b a wry complicated very precise process
Settling an estate is even wor*e sodom, if
ever, can even the most mured individual
• 14§>fWQrrwv* Bank 6r Ynnt Gwnepw
Mr^fTlC And WGmmi
handle it all on his own
Small bonks too often lack the depth
in both experience and personnel to deliver
maximum benefit and efficiency
Big banks, on the other hand, have
great Quantities of both experience and per
sonnel. But the very size of their operation
often limits the kind of personal care and
attention so very necessary to your financial
well-being. It may not be a major concern to
you new. but your heirs and loved ones may
feel differently.
So, perhaps your best course is down
the middle- likeat FirstGtizens Ijmjeenough
for your particular situation More impor
tant. those same officers will be there when
those you ve planned for need them mt*t
That s the kind of trust and estate
planning operation you'd expect from a
rtank that prides itself on the soundness of
its advice and on its “fit That is, its ability
to suit the needs, style, and size of most
North Carolinians.
That philosophy of "fit” is one reason
that First Grizens has more branches, more
offices than any other hank in the state It
has also made us one of the soundest, most
secure banks anywhere in the country
«> naw an me run-time exper
tise you need, but sized so that
you re planning your estate on
a one-to-one basis with profes
sional Trust Officers who are re
ally concerned about whats best
Fit As with a fine suit of clothes,
that s what best describes the perfect
estate plan and the perfect bank
At First Gti2ens, you'll never
find less help than you need, and
you’ll never has* to nav for more