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From The Home Agent's Deskj
By Ellen Willis & Brenda Canady
GET OUT OF THE
"JAWS" OF DEBT
We don't hear much about "loan
itarks" today, because credit terms
and interest rates of most lenders are
regulated by law. However, you can
get yourself into the "jaws" of debt
due to the overuse or unwise use of
credit. This means you have too
much debt for your income, did not
shop for the lowest interest rate
available to you at the time, or let
your credit payments get in arrears.
Sometimes we want too much, too
fast, and are blind to the dangers.
If you're feeling the bite of credit,
now is a good time to take a look
around and see what you can do to
get free of this devouring problem.
How much installment and credit
card debt do you owe? List all the
monthly payments you must make,
not including your housing
payments. Divide the total of your
monthly payments by your monthly
take - home pay and multiply bv
100.
If the total is less than 15 percent
of your take ? home pay you are in
the safe area; swim on with caution.
If your installment payments are
between 15 and 20 Dercent. he
suspicious of any movements that
muddy the waters. You have reached
the limits of the danger zone, and
need to move back to safety.
If your monthly payments are
over 20 percent of take - home pay.
you're being eaten alive. How can
you survive?
Refuse to make any new debts
until you get out of financially
troubled waters. This may require
strong self control, and you may feel
that you are depriving other
members of your family. An open
discussion of the problem among
those concerned can help everyone
work together to keep the family
afloat. Paying your bills on time can
help you keep a good credit rating so
that you can get credit easily when
you really need it.
Analyze your monthly payments
to see which debts can be eliminated
first. Concentrate on those debts on
which you pay the most in interest
charges. Check the installment
contracts and credit card agreements
for the "APR", the annual
percentage rate you agreed to pay.
This will be anywhere from about 10
to 36 percent, and is usually 18
percent for retail purchases on credit
cards.
Understand the credit accounts
you have. You won't be able to
eliminate much interest by early
payment on an installment loan for a
car or appliance. You have agreed to
pay a specified number of payments
of the same amount each month.
Paying off early seldom saves interest
due. but getting behind in payments
is like a strong and dangerous
undertow.
And, beware the uncontrolled use
of the flashing, splashing credit card!
This handy device can create a
monster that feeds on itself and
grows ever larger, especially if the
creature is neglected. The laws of
North Carolina permit an annual
percentage rate of 18 percent, or 1V4
percent a month -? of what? Credit
care plans vary. Monthly credit card
charges may be based on either:
1. the amount you owed after last
month's payment
2. that amount you owed before
last month's payment was applied to
that bill
3. the average amount you owed
during the month before your billing
date
WHICH WAY WOULD
YOU OWE
THE LEAST IN INTEREST?
Keep credit card charges lowest by
using the system with the lowest
charge method, making the largest
payments you can each month and,
paying your total bill each month
when possible.
A credit card that permits
disastrous leaks in family spending
may need to be put in drydock until
repairs can be made and the family
budget stabilized.
To clear the troubled waters of
financial discord and keep them that
way, these steps: Use credit only
when you must. Shop for the plan
with the lowest AFR; Have a sure
personal plan for repaying; Pay off as
soon as possible.
Smooth sailing!
Knit-Away
Wages Up
R.P. Bruce, Jr., chairman of the
board of Knit-Away, Inc., announced
a general wage increase for all hourly
paid employees effective September
13,1975.
DOLLS - Sandhills regional librarian, Pam Williams, assembled a collection of
childhood dolls with a bit of history for each doll. Die display cart be seen at
the public library.
Youth Revival
Begins Sept. 4
A Youth Revival will be held at
die Church of God of Prophecy on
the Aberdeen Highway beginning
Thursday. September 4 thru Sunday.
September 7.
Services will be held nightly at 7
P.M. The speaker will be the Youth
Director. Alton Burrow. Everyone is
invited to attend.
+
Red Cross.
The Good
Neighbor.
[super!
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SAVINGS!!
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BUTANE LIGHTER
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25 Assorted Size
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SPECIAL PURCHASE - Mi.se. Krinkle
NYLON PRINT
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Sizes S.M.L. - Asst. Colors
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None Sold to Dealers Xjy raeford
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Prices Good Thru Sunday
While Quantities Last!
Jack Johnson
Teacher
Seeking
Ministry
Jack Johnson will preach his trial
sermon al llic Zion Campbell A.M.E.
Church, located in Carolina Park, in
Laurinburg, during 11:00 A.M.
service Sunday. September 7.
Brother Jack Johnson is a native
of Williamston. North Carolina. He is
a member and was a Sunday School
teacher at Shiloh Baptist Church in
Williamston, North Carolina.
Frequently, he and his wife and son
attended McLaughlin Chapel Church
in Raeford, Nortli Carolina.
Brother Johnson is a graduate of
Fayetteville Stale University where
he played football and was
co-captain during his junior and
senior years. He is also working
toward receiving a Masters Degree in
Psychology at A & T State University
in Greensboro, N.C. During this
summer he earned certification to
teach Exceptional Children from
North Carolina Central University in
Durham, N.C.
He has taught in the elementary
and high schools of Raeford, N.C. He
served as a reading specialist at the
Samuel Leonard School. Presently,
he is teaching Language Arts at the
Upchurch Junior High School.
c
. \ w rth
5
Mr. & Mrs. Johnny Black
announce the birth of a daughter
Misty Daria, August 29 at Moore
Memorial Hospital.
Personals
Mr. and Mrs. Jeff Harris and son Tom
were joined in Roxboro by their
other son and family, Mr and Mrs,
Bill Harris and son Jeffery of
Cincinnati, Ohio, for a visit with
relatives and friends.
Mrs. Kathleen Blue Wilson and her
sister, Mrs. Ed Lee of Dunn, have
returned from a week's stay at Black
Mountain. They were accompanied
by Miss Lillian Moore of Raleigh.