Newspapers / The News-Journal (Raeford, N.C.) / Dec. 10, 1981, edition 1 / Page 18
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Hoke High , Pembroke Graduate Jan Dial Hoke Juvenile Court Counselor Jan Dial is Hoke County's new Juvenile Court counselor. She is 23, a 1976 graduate of Hoke County High School and a 1980 graduate of Pembroke State University, and left a job as a substitute teacher in Hoke County schools a month ago to become the counselor. Miss Dial succeeds David Kel lum. who resigned to return to his home city of New Bern and work for the Craven County Department of Social Services there. She is a month into the six months training period under the state's Cumberland County Juve nile Court office. Miss Dial went to work as a substitute teacher, while waiting for a regular teaching position, ifter receiving her degree of Bache lor of Science in elementary educa ion, kindergarten through third sjrad'?. In her 18 months on the job he served in elementary schools in ?Hoke and Robeson counties. To meet a requirement for her .i! iic t ton degree while she was at Pemt-oke, she also did her stu Jcnt-teaching in Hoke County, at *curiock School. Miss Dial serves children aces 10 through 16 who get into trouble. She said Thursday in an inter view with a reporter that she also serves as probation officer for juveniles and handles "intake" -- deciding whether a juvenile of fender should go through Juvenile Court or taken care of by a community agency, such as the Mental Health Unit or Department of Social Services. Miss Dial said the counselor's work is much like school teaching, but not so confining. She is still doing classroom teaching, instruct ing night classes for adults in Sandhills Community College courses at Antioch, her home community. She teaches courses that adults need to get their high school diplomas and reading and writing to adults who are illiterate or nearly illiterate. She teaches Tuesdays and Thursdays, 6:30 to 9 .m. She also has another job. aturday nights, as a waitress, helping her parents, Mr. and Mrs. Henry Dial, at their restaurant on N.C. 21 1 in Antioch. As court counselor, however, she said, she is on call 24 hours a day. LAW F or Laypersons Newspapers and televisions con stantly remind us about high in terest rates. Those of you who have bought a new home, or even just shopped around for one, know the truth about the high cost of borrowing money. If you remember the days of 6 percent in terest, you probably think of those as the "good old days." Nothing is new under heaven. Interest rates have been high before. Even in the days of ancient Greece, some four centuries before the birth of Christ, the interest rate tanged from 12 percent to 33-1/3 percent . Should something be done about high interest rates? Whether you realize it or not, many govern ments in times past have made at tempts to regulate in some way the rate of interest charged for lending money. As far back as the 24th century B.C., the laws of Manue in India set 24 percent as the established rate. The Code of Hammurabi, over a thousand years before Christ, set maximum annual rates ranging from 33-1/3 percent for loans on grain to 20 percent for loans on silver. The Romans apparently did a better job of limiting the price of credit; during the ten centuries beginning with the 5th century B.C., the rate of interest in Rome ranged from absolutely nothing to a mere 12-1/2 percent. Following a pattern s^t so many years ago. North Carolina has also attempted to regulate the rate of interest charged. General Statutes ?? 241 through 2417 is a hodgepodge of legislation on in terest rates in North Carolina. "Hodgepodge" is the correct ad jective for these provisions because no specific interest rate is set for all transactions. The interest rate allowed by North Carolina depends on the particular facts of the transaction in which interest is charged. For example, interest rates on home loans secured by a first deed of trust depends on the amount of money loaned and who the lender is . Interest rates charg ed or. a loan secured by a second deed of trust are governed by a dif ferent provision. Loans not %ecured by any deed of trust have different interest rates depending the particular facts of the transaction. As you might guess, there is a separate provision for interest which can be charged on s mr charge card. _ Exactly what rate is allowed in what transaction under North C arolina law is sometimes difficult '.o figure; even bankers and lawyers may have to scratch their heads a while before giving an answer. Charging interest greater than that allowed by the statutory pro visions is known as usury. The penalty in North Carolina for charging a usurious rate if forfeiture of the entire interest which has been agreed to be paid for, if interest has been paid, the person who has paid it may recover back twice the amount of interest paid. A willful or knowing viola tion of certain provisions of North Carolina's usury laws is a misde meanor punishable by a fine or im prisonment or both in the discre tion of the court. "This article is written as a mat ter of general interest only. It is not to be construed as legal advice, and you should not rely on the statements made in the article to govern your actions in any specific case. If you have a particular ques tion or problem, you should con tact an attorney. " r ^ Jan Dial at her desk. [ Staff photo]. J.H. AUSTIN INSURANCE SINCE 1950 ( nJML^ ) AUTO ? FIRE ? LIFE CASUALTY 1 1 4 W. Edlnborough Avenue Phone 875-3667 ROUNDING OUT A SEASON At first glance, Norman Moser's OPEN SEASON is a collection of poems written between the mid sixties and the mid-seventies. But as you get swept up into the poems, you're in Moser's head as he sees "the life of love and adven ture and polictics and revolution and mysticism opening in him and all around him." Born and raised in rural North Crolina; out to San Francisco and Seattle for his education; on to Tucson, El Rito and Santa Fe, Austin; back through Chapel Hill; and again toward San Francisco. But through the SOs, 60s, and in to the 70s, through all that love, adventure, politics, revolution, and mysticism ? so altogether a different America than most of us might even suspect existed. To have this wild yet tender odyssey in print even by 1981, Moser had to publish it himself. Walt Whitman did that, of course, and it worked out well. Still, it's a little sad. what with all the printer-publishers wandering about. There's a lesson in this for those of us seeking the live literature. Don't pass by self-published books thinking they are only vanity. There'll be a lot of vanity, of course, but sometimes, as the demon or angel presses its way out, the only patron in sight is the body the being lives in. Moser leads us toward his American travels familiarly enough: "such a cool sky/ calls for cool drinks & lying around/ in the parks & by the streams./ In the evening the fires can warm us/ as well as roast our food." But by page 12: "Inside my head, a green dream circles./ My talk, steady stream, a complex of images./ The air? a reguair mix ture that I wear./ The world, but a bubble out of my pipe. . ./ drifting by, it sputters in rustling air?/ just beyond my outstretched hand." And we're on our way through poems with titles like "Directions on Becoming an American Indian," "The Hat With No Man," and "Exploding Omens." You can order OPEN SEASON from Illuminations Press, 21 10 9th Street. Apt. B. Berkeley. CA 94703 for $3. Gene Fowler 3 Bedroom House With Lot FOR SALE SMALL DOWN PAYMENT Move In Immediately or House Can Be Moved To Your Lot with No Down Payment Call Collect 919-277-0104 Carolina Model Homes P.O. Box 765 Laurinburg, N.C. 401 By-Pass During each day there are times when the most people want to use the most electricity. Heating,cooling,cook ing, laundry. Everybody wants more electricity all at once. ma m Tff 1QPH ISTHFRFAK ' It's called the Peak Load. TO BEAT DURING THIS TIME OF YEA* And our future electric rates are affected by how high these peaks get. But we can beat the peak, if we'd all use less electricity during peak periods. And more at other times. It's not easy changing when we use electricity. But if we do, the peak wouldn't go up quite so fast. AAOI And neither would the cost of electricity.
The News-Journal (Raeford, N.C.)
Standardized title groups preceding, succeeding, and alternate titles together.
Dec. 10, 1981, edition 1
18
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