SAT., MAY 16. 1931
In some business transactions, the person who is
to receive a sizeable Bum of money for goods or ser
vices rendered may require a guaranteed form of
payment. If the payment is to be made by mail or if
,o nmount is mors t.hftn vnn
want to pay in cash, two widely
acceptable guaranteed forms of
payment are certified checks and
cashier's checks. , .
One of these checks may be re- -quested
for such things as making
the downpayment or full payment ;
for a car, teal estate, or other
costly items;; They are sometimes
required for ''good faith" pay.
ments when biadin? on pavern-
roent contracts, and county clerks of court may ask
that court costs or alimony payments be made by
certified check or cashier's check.
A certified check is simply your personal check
which has been stamped "Certified by your bank.
This certification guarantees that the bank will
honor the check when it is presented for payment.
To have a check certified, you fill out your check
as usual, showing the name of the person or com-
HO
TK CMSLIXA TIMES -15
CERTIFIED CHECKS
AND
CASHIER'S CHECKS
I,
By Titus Ivory
Htua Ivory
pany to be paid "and the amount. Then take the
check to your bank and ask a teller to certify it. The
teller will look up your checking account balance to
be sure there are enough funds to cover the check
and will stamp the face of your check with the
bank's official certified stamp, have the designated ;
bank official sign the check, and hand it back to you.
Because certified checks require special processing
by the bank you probably will not receive the can-'
celled check in your checking account statement.
However, the original check can be obtained from
the bank if needed. "
, , r. A cashier's check is an official bank check which
is purchased from a bank. It is sometimes called an
j official check or a bank check T
Because the check is drawn on the bank itself and
is paid by the bank out of its own funds, this is one of
the most acceptable forms of payment available. It is
particularly useful to people who do not have check
ing accounts. You can obtain a cashier's check by
. paying the bank's teller the amount of the check you
want issued. You can pay cash, or the payment can
i be made from your checking or savings account if
f you have one. In this case also, the teller will look up
your account balance to be sure enough funds are
available. The teller will then fill out the official
check and give it to you. - - - -
The fee for either a certified check or a cashier's
f check is usually about 11.00, but the charge mar
' vary from one bank to another. If you know in ad
vance that you are going to need one of these checks,
be sure to make any necessary deposits to your ac-
' count well ahoaA nftima at that tliA Amla wrilf Ka
wuu w MMKW M1V M IW HUI ItS 111 1
your account when the teller checks your balance.
Checks drawn on out-of-town banks can take four or
more davit in clour
Certified checks and cashier's checks should be
handled with care, just like cash, to prevent their
being lost, stolen, or destroyed. Because the bank is
legally bound by its promise to pay the certified
check and because the cashier's check is payable
from the bank's own account, it is difficult to have
payment stopped on either check or to obtain a re
fund. In some cases, the bank may require an af
fidavit or a bond before reimbursing you for a lost or
destroyed check.
Titu Ivory, a banker for seven years, is a banking officer and
branch- manager of a Wachovia Bank and Trust Company office in
Charlotte.
Happiness Through Health
Psychiatrists Begin To Treat
Even The Unborn Child
By Otto McClarrin ,
Coping
The Wonderful Art Of Persuasion
By Dr. Charles W. Faulkner
Psychiatrists now are taking on their youngest pa
tients ever, reaching out for the roots of mental illness in
babies only days or hours old.
"Most people find it shockking that infants have
psychiatric problems," said Dr. Justin D. Call, pro
fessor', and chief of infant, child and adolescent
psychiatry at the US Irvine School of Medicine. "But
it's true."
Some behavioral and psychological problems are
predictable prenatally and may appear immediately
upon birth, as with babies whose mothers are alcoholics
or drug addicts. Other ailments, whether inherited men
tal infirmities or early damaging experiences, may
manifest themselves within days or weeks as failure to
smile or to be consoled or to learn self-consolation by
rocking, kicking and crying.
"We no longer think of the newborn as a blank
slate," Dr. Call said. "At birth, the infant is already the
veteran of an intimate set of interactions between itself,
the mother an the placenta, which affect both
physiology and psychology."
By six months, an infant is capable of feeling depres
sion in response to a loss such as permanent separation
from the mother. Without language, he expresses his
depression in sleep disorders, bowel difficulties,
avoidance of human contact and refusal to eat.
Research efforts during the past two decades have so
expanded the understanding of normal child develop
ment that specialists in infant psychiatry can recognize
early signs of trouble in a baby's appearance or
behavior.
Infants, defined as children from the prenatal period
to age three, are of increasing concern to psychiatrists -
because of the prodigious speed of brain growth within
that span. The Center s chairman, Dr. Reginald S.
Loune, who coined the term "infant psychiatry," said
the brainvelopmosUapidly during the firstpighieea
months towttvearstjHi
jits adult size.
"Connections are being made," Loune said.
"Pathways are being laid down through the nerve cells
that will affect the individual for the rest of his life. This
gives tremendous weight to early experiences, early
handling."
Treatment of infant psychiatric problems involves in
timate cooperation with the parents or other caretakers.
Dr. Lourie, who is also senior research scientist at the
Mental Health Studies Center of the National Institute
of Mental Health, told of an infant who turned away
from his mother every time she picked him up.
"We were able to discover a tactile hypersensitivity in
this child," Dr. Lourie said. "Once we pointed out to
the mother that he experienced pain from the touching,
she was encouraged to fieure out the solution herself.
She tried holding him on a pillow, and it worked.'
Hyperactivity, he added, often begins in the womb,
and the mother of such a child may report that the baby
was a "whirling devil" before birth, never giving her a
moment's rest. ,
"If this activity pattern is not recognized and dealt
with," Dr. Lourie said, "both the child and the parents
suffer. An infant unable to put the brakes on his own
racing motor feels helpless and out of control and if
no one can get him to calm down, he gets a distorted
picture of dependency because he can't trust people to
know how to take care of him.
"Meanwhile, his parents are distraught that they'
can't calm him down." As the child grows and wants to
touch another person, Dr. Lourie said, a pat may turn
into a slap and the slap may label that child a hurtful,'
nasty baby. When he tries to grasp, if his lack of control 1
makes him push and break things, he gets called !
destructive. All the while, parentrchild relations con-,
tinue to deteriorate. . .' " .
Dr. Call is quick to point out that clincians have much
to learn from parents. "It would be wrong for us to ap-.
proach them with the attitude that we know better and J
have some kind of secret remedy." What clinicians do!
have over parents, he said, is knowledge of the research j
that helps them separate the expected from worrisome
behavior.
You are a very fortunate person. You have a capabili
ty that can help you to obtain almost anything in this
.world that you desire. You have the ability to make peo
ple do what you want them to do.
. Perhaps you have not been using the full range of
: your broad persuasive powers. Maybe you did not know
; that you have such wonderful persuasive powers. But,
? you do have them.
I am going to show you some very simple steps that
you can easily follow in order to make people like you,
to persuade your employer to give you a pay raise, to
, make many friends at the next party that you attend,
and to motivate people to follow your advice on almost
any issue. Follow this advice to attain the success that
you desire:
1. Begin now to believe in your ability. Start feeling
confident. Start realizing that you are a more capable
person than you ever thought you were.
Your confidence in your ability to achieve your goals
and to really make your dreams come true is the first
step in mastering the art of persuasion.
Doubt is destructive. Confidence is motivational and
starts you on your way to success. So, have confidence
' in your ability to be successful and success is guaranteed
; for you. Nearly every person who has ever achieved suc
cess had confidence. Nearly every person who has failed
helped to create the atmosphere for failure with doubt.
2. You must want to succeed. You must have the
strong urge within yourself to get the things that you
want out of life. You must make yourself want success
so badly that you are willing to confront adversity, to
overcome problems, to decide that you want to be suc
cessful so badly that nothing, nothing will stop you.
You must tell yourself that the tougher problems ap
pear to be, the stronger and more determined you will
become. To achieve the success that you desire, you
must never, never stop striving and struggling with all of
your ability to attain it. Successful people are hardnosed
, people who believe in the old saying: "When the going
gets tough, the tough get going."
3. Become excited about your dreams, your goals and
your hopes for achievement. Let your mind soar, let
your desires and dreams excite you and titilate you. Let
your emotions run high and abound.
Wake up! Desire success so much that you can taste
it. Become so overjoyed with the prospect of success
that you want to tell everyone who will listen how cer
tain you are of succeeding. Become a livewire and tingle
inside at the thought of realizing your dreams. You. will
find that your intense emotion and enthusiasm, directed
toward the positive goal of your success, will carry you
on the tip of a tidal wave to your dreams.
I will give you more ways to achieve success in my
next column.
Business In The Black
Even IBM Falls
Japan Rips Reagan
Revitalization Plans
By Charles E. Belle
Japan, Inc., as collectively Japanese companies are
being called, has notched another mark on its gun. In
the fiscal year just ended 1979, Fujitsu Ltd. moved past
IBM Japan to become Japan's top computer seller.
Some might say the U.S. has it coming to us. The
threat of legislation to stop Japanese auto imports or
"voluntary restraint" is Reagan's hope for helping the
depression riddled auto and steel industries. U.S. Trade
Representative William Brock, a Reagan appointee,
brought a listening ear to the electric Japanese trade
problems with the U.S.
All the while he is thinking about getting tough with .
the Japanese, they are taking advantage of an earnest
Mr. Brock's ear and pocketbook right now! Japan's
share of the new auto market grows by the hour.
Mr. Brock had best bust the "Japan, Inc." auto
assault or Reagan's meeting with Prime Minister Zcnko
Suzuki, will result in a continuing decrease in the U.S.
automobile industry employment contribution to the
country. One out of six U.S. jobs depend on the auto in
dustry. In case the White House is unaware of the "Japan.
Inc.," problem, it's jobs for their people! A practice
President Reagan might move to the front of his agen
da, especially where black Americans are concerned
along with (he rest of the country.
Unemployment is unnerving the U.S. system and
creeping up in Japan. It is expected that by the turn of
the century, one out of every four Japanese workers will
be over retirement age. A problem where thcNwork
system is styled for life time employment. There can be
no cut back in Japanese industry without severe reper
cussions for a record amount of time and people, l.ile
time employment is a cultural guarantee ih Japan.
Ronald Reagan and Mr.vBrock will have to do more
than a John Wayne type statement to these critters. Cut
ting them off at the pass wouldn't work when they shoot
he horses out from under you. Japan is eager for a
shoot-outV too. Their defense industry is just hankering
for having more arms sales. Someone in Washington
will want the Japanese to go ahead and fire up its
defense industry in. hopes it will take down some the
U.S. defense spending. .
Since the U.S, would not want to lose the domestic
defense industry for security reasons, it might have to
(Continued on Page 16)
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