PAGE 2
I Consumer's
' ^ -.i V
H Corner
1 by Barry L. Boneno
1 Executive Director
High Point Consumer
1 ''■ V Credit Counseling
THE TRIBUNAL AID
As Director’of a credit
counseling corporation, I
see many families that
have been, allowed their
incomes to ' be over
burdened by too much
credit purchasing. When
it comes to credit buying,
there are few? guidelines
that can be used to keep
you on safe ground.
Never owre more than
20% of your monthly
income to Creditors. This
includes things such as
TV purchases, appU-
ances, furniture, cars, but
it does not include home
mortgages. Home mort
gages or rent payments
should not add up to more
than one w/eeks income,
or approximately 25“/o of
your monthly take home.
These are general
guidelines and should be
used as such, each
situation is different and
has to be judged in
dividually. There is no
substitute for good old
common sense Vk^hen it
comes to financial obliga
tions. Credit is a great
thing if used properly, it
can be a night mare if
used carelessly. Many
people are under the
mistaken impression that
credit increases ones
income, it does not
increase your income but
credit allows you to enjoy
a higher standard of
living, but it does nothing
to increase income which
is free and clear of any
strings.
In some cases, good
credit is more valuable
than money, especially
when it comes to a car, or
a new home. So remem
ber, never over obligate
yourself with credit con
tracts, because once
you’ve signed on the
dotted line, you owe
money, and you must pay
it back. How reliable you
are to this promise will
determine if you will be
allowed to have credit
extended to you in the
future.
For futher information
contact Consumer Credit
Counseling at 919 885-
0041.
Know Your Rights
A file is kept in the local
Credit Bureau on every
person who is a potential
user of credit in the High
Point area. Do I have a
choice about whether a
file is kept on me?
No. The bureau is a
private organization sup
ported by businessmen
for their own use and
reference.
What can I do if I think
there may be something in
my file that is not true and
I have a hard time getting
a loan or charge account
because of this untrue
information?
A new federal law
passed in 1970 makes it
WEDNESDAY, AUGUST 1, 1973
ASTROLOGY GUIDE
Bv
Sir
fteasuc;
I This column of questions and answers
tax matters is provided by the local office 0 ® '
' Internal Revenue Service and is published as a public
Astrology Guide (Sept 24-Oct 23) Some of service to taxpayers. The column answers questions
Aries “The Ram” (Mar your personal luck will be jnost frequently asked by taxpayers.
21-Apr 20) You are at a good, but problems are
low point this week. This Ukely to force changes in q, if, after a tax audit, the
could have affected your your close associations. IKS finds out that it owes me
. j money, will it pay interest on
popularity and give you You must undergo an refund?
a feehng of not being “extremely tough” turn- ^ yes. If an IRS audit ex
needed. Sometimes this over if you are to succeed amination results in a refund,
aspect causes lack of in overcoming your dif- yo'* ordinarily receive
, r- li.- A 1 terest at the rate of six per-
confidence, but you are a ticulties. A co-worker ^ on the amount of
capable person and a bit could be the cause of the refund,
more effort should solve some strife. Q- I “se the den of my home
w . . exclusively in my insurance
possible for you to check ^ _ business. I just repaired the
out and challenge your
credit rating. The law , ^
requires a credit bureau f21) There are a positive that your co-
to let each person know f f ^^ore for workers and faniily can t
, . . . ,. r., you if you think you have get along without you, but
what IS in his file, upon ; , ^ .
, „ r , found a sure-fire way to don t chain yourself to a
stay at the top of the day-to-day routine. Things
heap, Luv. Most of your will work out just fine.
Scorpio “The Scorpion” floor of the den. Can I deduct
Taurus “The Bull” (Apr (Oct 24-Nov 22) You are
the cost of this repair?
A. Yes. The cost of repairs to
a room used exclusively for
business purposes is fully de
ductible. If a part of the room
is used for business purposes
a proportionate amount is de
ductible. In addition, a portion
of the cost of any repairs you
make to the outside of your
home can be deducted. How
ever, you may not deduct the
cost of painting and repairs of
other rooms in your house.
Q. I am working in the United
States this summer and plan
to return to my home in Eu*
rope in the fall. When should
I obtain my “sailing permit”
from the IRS?
A. The permit, or tax clear
ance, should be gotten at least
two weeks, but not earlier than
30 days, before your departure.
The permit is part of the in
come tax form that must be
filed by most aliens before their
departure from the United
States. For more information
on obtaining a permit, write
the nearest Internal Revenue
district office and ask for a
copy of IRS Publication 513,
“Tax Information for Visitors
to the United States.” It’s
available free.
To Receive Alpha Award
outreach
request. Before the law
was passed, most credit
bureaus would not let any
person look at their own
file.
How do I
looking at my credit file?
In High Point, go to the
office of the Credit
Bureau at 740 N. Main
Street. Someone there will
show you your file and
explain each entry you
don’t understand.
When should I do this?
There is no need to
make this check unless
you have trouble getting
credit or for some other
reason believe that there
may be untrue informa
tion in the file.
If I find that there is
The late President, tion of the first of the Opportunities Luncheon,
Lyndon Baines )ohnson black college fraternities, Tuesday, August 7, at
will be presented the founded at Cornell Uni- vvhich the principle
httle picadillos are com- Take some time off to Alpha Phi Alpha PubKc versity, in 1906, will have speaker will be Mr.
mon gossip ... so “cool it" recoup your energies, service Award, at the as its theme, “REDEDICA- Samuel L. Higginbottom,
about Your kind and gentle 57^1^ anniversary conven- TION TO BROTHER- president of Eastern
might get caught in your nature is often imposed Alpha Phi Alpha HOOD", THE NEW AGEN- AirUnes.
own net. upon. Fraternity in New Or- DA. An added feature will According to Walter L.
leans, August 3 to 9. The be a Symposium - A Morial, convention chair-
award will be presented Decade of Civil Rights, man, the New Orleans
at the Public meeting. Attorney Belford V. Law- convention will be the
Sunday August 5, honor- son Jr. will be the largest and most produc-
Gemini “The Twins" [May Sagittarius “The Archer”
22-June 21) The chances [Nov 23-Dec 21) Some-
are good that your new times, Luv, you think you
romantic interest will can stand the strain no
turn out a smashing longer, right? Carry on jg^nson for his devotion are Kenneth
success, but those tall with your work and a dedication to the Director, U. S
tales seem wide of the marvelous meeting will
mark to me. Better just soon take place that will
stick to the hearts and have you walking on air
flowers, dear Gem. again. Patience is the
word, the number 15
Cancer “The Crab” (June should interest your.
22-July 23) Whether it is
fact or fiction, your Capricorn “The Goat”
mg the late President Moderator, The Panehst
Holbert,
and dedication to the Director, U. S. Office of
cause of civil rights. Fair Housing, Lisbon
Senator Hubert H. Hum- Berry, Chief, Voting and
phreys, Vice President Pubhc Accommodation, U.
under the late President S. Justice Department, A.
Johnson, will accept the C. Wharton, Lawyers
award. Committee for Civil Rights
Also receiving the Under Law.
Public Service Award at One of the major
untrue information in the silvery tongue seems to be (Dec 22-Jan 20) You can't the Public meeting, will be activities of the conven-
Human Resources in Action
in North Carolina
Mimi Cunningham
bm
SS ' '
, RALEIGH - North
Carolina ranked sixth in
the nation in the total
number of persons
screened for diabetes in
1972, according to John
Griswold, Diabetes Pro
gram Manager, Chronic
Disease Branch, Division
of Health Services.
Over 33,422 people
were screened in local
health departments and
mass screening clinics.
Another 18,000 were
tested in multiphasic
screening clinics.
Of the total number
tested, 1,464 were re
ferred to their doctors as
diabetes suspects. Over
176 persons were found to
be diabetics, and 103
were diagnosed border
line.
Local health depart
ments did most of the
screening, retesting and
referring to private doc
tors through ongoing
clinics.
Mass diabetes clinics
were conducted in co
operation with local
medical societies, health
departments. Lions Clubs,
and diabetes associa
tions. Clinics were held in
High Point, Kenansville,
making a gigantic hit with seem to make up your
i r the opposite sex, right? Be fickle mind whether
ere are a varie y o you’ve made a mistake or
ways you can ge 1 ems fascinating guess- not, right? You seek
removed. These ways will ^ou might be in harmony, but you’ve
the
file, what can I do?
be discussed in the next
for an eye-opener.
Wilmington, Statesville,
and Asheboro and
screened 5,230 people.
Diabetes was the eighth
leading cause of death in
North Carolina in 1971,
and the second leading
cause of blindness. Heart
attacks occur two and
one-half times more fre
quently in diabetics. It is
estimated that one per
cent of North Carolina’s
population has diabetes,
and that another 40,000
have the disease and
don’t know it.
The test for diabetes is
simple and relatively
painless. A drop or two of
capillary blood is taken by
means of a slight prick of
the finger. The blood is
mixed with a sodium
flouride solution which
acts as a preservative
until the specimen can be
mailed to the biochemis
try branch of the Division
Continued on Page 8
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completely upset
apple-cart not to mention
Br63k throwing any hope for a
24-Aug 23) You may not reconciUation far out of
For MjnOritiSS ® genius, but you can kilter. Silence is golden,
make yourself sound like pal.
one and that is half the
A better break for battle, isn’t it? But one of Aquarius “Water Bear-
minority and disadvant- ^^gge days you will have er" (Jan 21-Feb 19) This is
aged Americans will be |q produce, so curb your a very good day for all
among the major effects enthusiasm a smidgen, things that involve money
t revenue said. ... and exceptionally good
sharing (MRS), Assistant for anything dealings with reflects the concern of the
Secretary of Labor Will- virgo “The Virgin” (Aug numbers. Thursday you conven-
lam H. Kolberg told 24-Sept 23) Don’t allow Continued on Page 5
National Urban League negative feeUngs to take
officials at their annual over and tell you that it is j
conference today. foolish to explore all those I SUBSCRIBE TO THE TRIBUNAL AID |
Referring to Labor „ew ideas. Make a |
Department plans to comolete turn-around Plciisc register nu-as a subscriber to TriI: I
complete turn around. AID for the following twelve months.
the Honorable James tion will be the three days
Charles Evers, Mayor of of Job recruitment for the
Fayette, Mississippi. The present and recent col-
Honorable Andrew lege graduates by repre-
Young, Congressman for sentatives of major
Georgia, will be the guest American businesses,
speaker at the pubhc Some forty' seven top
meeting. rated national firms will
Dr. Walter Washing- send recruiting teams to
ton, General President of Xavier University, in New
Alpha Phi Alpha Fratern- Orleans, to give inter-
ity, said both the views and offer jobs on
convention and the Theme the spot to college men
of the Sixty Seventh and women. The highlight
Anniversary Convention of the recruiting program
of Alpha Phi Alpha will be the Equitable
tive in the history of
Alpha Phi Alpha Fratern
ity.
Subscribe To
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implement MRS through you will benefit greatly , °
administrative action from a whole new view of "’V dollars ($6.00) advanced
under existing legislative things. Have faith in your j subscription dues,
authority, Kolberg said: own thoughts. |
‘T pledge to you that —
Continued on Page 7 Libra “The
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Stir the right things into
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460-62-64 S. MAIN
OPEN FRIDAY NIGHT TIL 8-30
TEL 888-4260
CLOSED WEDNESDAY
iVetc Auto Loan Rates
COMPARE
EXAMPLE
Amount of Cash Needed
2000.00
2500.00
3000.00
Total FlnaiKO Charge (for month>)
300.00
375.00
450.00
Totol Amount of Loan
2300.00
2S75.00
3450.00
Central's Annual Percentage Rate
9.31
♦.31
9.31
Number of Installments
3«
36
36
Monthly Payments
63.89
7t.l6
95.13
RATES ARE ON ALL NEW 73 AUTOS
CENTRAL SAVINGS BANK
High Point, N.C. iqo N. Main
FURNITURE WHOLESALE
Everything Discounted - Nothing Retail - Special Orders Available
OPEN TO THE PUBLIC
Vrom 9:00 am - 9:00 pm Daily
DON'T BUY RETAIL
BUY WHOLESALE
Over 30% Off
On All
Merchandise
Larg» Variety of Bass»tf
Ofh«r Name Brands:
CARSONS
BLACKSMITH SHOP
CAROLINA UPHOLSTERY
205 N. CENTENNIAL AVE. HIGH POINT, N.C.
885-5419