Speaking To the Consumer
M arilyn L unner
E xlen aion F a m ily F in a n ce S p ecia list
O regon S ta le U n iv e r sity
Staving S olim i Don't expect
to buy a used car » ithout a down
payment You may wind up with
two monthly pay ments one on
the balance and one on the down
payment And if you have given
some other possession you own
as security on the second loan
\our furniture or household
equipment for example you
could lose it if you default on the
secured loan
This is one of many eonsidera
turns in buying a used car For
other tips on selecting your
dealer the car itself, the sales
contract and information about
what to do if something goes
wrong ask your county ex
tension office for EC 823.
"Buying a Used Car
Help from HUD Shopping for
a mobile home to replace the one
you have" The Department of
Housing and Urban Develop
ment has decided if the loan is
federally insured it is possible
no» to trade in your used mobile
home as a down payment The
old home s trade-ir. value based
on blue book ratings must be at
least equal to or greater than the
minimum dour, payment or you
»ill need additional money for a
down payment
Minimum down payment con
tinues to be 5 percent of the first
$6tMK> of the total cost plus 10
percent of the amount over
$6000
Hume Sewer: Ask for Label
At the fabric counter expect and
insist that the salesperson pro
vide a care label for you to sew
into garm ents you make at
home All textile fabrics manu
factured on or since July 3. 1972.
must come with a supply of
permanent labels telling bo» to
»ash bleach dry . iron and-or
dry clean the fabrics you buy for
sewing Some exceptions are
suede fur leather and the rem
nants you buy
Look for Se» Hoi Dog Labels
The U S Department of Agricul
ture has revised its standard tor
content and labeling of the
various types of frankturters
and cooked sausages Read the
label carefully and you'll know
more precisely than ever before
just what you are getting For
example
Beef frankfurters
can contain only beef as the
meat ingredient If other ingre
dients are used the label »’ill list
them too New labels were
required asot September 7, 1973
ALTOC AP Auto Consumer
Action Panels »ill *?oor be the
place to resolve consumer s car
complaints A pilot panel »’ill be
started by the Oregon Auto
mobile Dealers Association It
will include dealers and con
sumers and they will seek to
provide speedy and fair reso
lution of problems that are not
resolved by the dealer or the
m anufacturer As in making any
other kind of complaint have
some documentation Save let
ters receipts and bills that are
related to the problem
The address for the Oregon
Automobile Dealers Association
is Box 14460 Portland Ore
97214
Your Credit Rights Have you
b e e r refu sed cred it u nex
pectedly" If you have rem
em ber your rights under the
F air Credit Reporting Act The
firm refusing credit must give
you the name and address of the
credit reporting firm on whose
report the rejection is based
You have the right to go to the
credit reporting firm and ex
amine the information in your
file If errors have been made,
the credit reporting firm must
reinvestigate and remove any
errors from your file You have
the nght too to indicate in a
letter your side of the story if you
have had a disagreement with a
firm
New Policy on Refunds. After
January 1. 1974 creditors will be
required to tell consumers, be
fore a credit agreement is
signed, if finance charge refunds
will not be given if the consumer
repays the obligation in full
before the deadline on the credit
contract The information will be
a part of the contract This is a
ne» feature of "Truth in Lend
ing •’
In su ran ce
Policy
Bene
ficiaries Who is the beneficiary
of your life insurance" Do you
have a contingent beneficiary as
well as the prim ary beneficiary ’
Most policies provide that
money would go into your estate
if your primary beneficiary dies
before you do And then it would
be distributed according to the
terms of your will, or if you
haven t a will according to
Oregon Law
It's a good idea to check your
insurance policies occasionally
Savings at Work Families in
the United States are saving
more money and they are
coicerned with where it will
earn the most
If you are using a bank or
savings and loan for your sav
ings account, you may want to
check on savings accounts oilier
than passbook accounts that are
available Certificates of deposit
may be the answer to higher
earnings if you can agree to
leave your savings for a spe
cified period of time one or two
years, for example The savings
institution can pay a higher rate
of interest on the certificates Of
course, there is a minimum
amount you must deposit to
receive a certificate of deposit,
but it may be worth checking
Som ething Ne»
Savings
banks in some states offer ne
gotiable order of withdrawal
accounts known as NOW ac
counts A NOW account allows a
person to » rite a check, legally
known as a negotiable with
drawal against his savings ac
count The NOW account, there
fore serves the same purpose as
a check drawn on a bank s
checking account But. unlike a
checking account, the NOW a c
count draws interest because it
is a savings account
Congress is considering legis
lation about NOW accounts, so
keep informed about what is
happening It may affect your
use of savings and checking
accounts in the future
The Gas You Buy Have you
noticed ne» information you can
get at your service station when
you buy gas" Now octane ratings
must be displayed as well as the
price per gallon Ratings will
help you decide if the gas you are
purchasing is nght for your car
This regulation was issued by
the Cost of Living Council
Car Buyer's Help. Instead of
tucking the tires to help you
decide if a car is a good buy,
read the owner's manual for
information about stopping dis
tance. acceleration and passing
ability, and tire reserve load If
you want to look at comparative
information, ask the dealer The
National Highway Traffic Safety-
Administration requires dealers
to have this kind of information
in their showrooms
Board of
Commissioners
M e m o ra n a n n i M in utes
> X « 3 K < H C M a O Q 0 9 M K )O O O O C
The Columbia County Board of
Commissioners met in regular
session January 16 with Chair
man Fred Foshaug presiding
Commissioners Minkoff a n d
Ahi bom and secretary Gloria
Salvey deputy clerk present
Commissioner Ahlborn moved
and Commissioner Minkoff sec
onded that due to the emergency
situations m the county with
regard to conditions of roads and
bndeges. the meeting be adjour
ned as soon as possible so the
commissioners could get out to
help with the situation Motion
earned
John M om s and E arl P eter
son. »-ho had planned to meet
with the board to discuss prob
lems with development of Pano
ram a Terrace were requested
to leave their questions with the
District Attorney and the board
secretary for investigation, sin
ce the board was anxious to
adjourn the meeting
John D eFrance Department
of Emergency Services coordin
ator. met briefly with the board
to report he has been in contact
with Herb Hurst, at Salem, who
needs information as soon as
possible about the total amount
in dollars of damage to all
county roads and or public
properties broken down as to all
roads and all damage excluding
FAS roads Hurst also needs
information as to private dam- '
age residential and bussiness
properties and farm damages
DeFrance indicated he would be
contacting the Soil and Water
Conservation Service for infor
mation about farm damages
and was requested to call the
mayors of the various cities to
obtain information about resi
dential and business property
damages
File Early
For Refunds
Want a faster refund this
year" The Internal Revenue
Service said recently that all
taxpayers who file their returns
in January should get their
refunds in four to five weeks
After January '< may take six to
eight weeks
Ralph B Short IRS District
Director for Oregon, said that
January filers gam about a two-
week advantage over those who
file later because the 10 IRS
service centers can process re
turns and approve refunds much
faster early in the filing season
when workloads are not heavy
T a x p a y e rs who file early
avoid making the thoughtless
errors that often occur in their
rush to meet the April 15
deadline.” said Short T h o se
who wait until the last few weeks
to file often fail to read the
instructions carefully neglect to
sign the return or forget to
attach all schedules and W 2
forms These mistakes can delay
a refund for as long as four
additional weeks.”
To avoid the rush and beat the
January filing deadline for an
earlv refund of the money due
them Short urged taxpayers to
start getting their tax records
together now
PCC S till Has Room
In Business Class
Openings still exist in three
courses offered by Portland
Community College for those
interested in small business
operation
Managing Your Small Bust
ness W ithin the L a » .” meets on
Tuesday evenings for ten weeks
Cost is $28 50 The course cov ers
the basic principles of business
la» as applied to the successful
operation of a small business
"Effective Advertising and
Salesmanship for Small Busi
nesses meets Wednesday even
ings for ten weeks with a cost of
$28 50 This is basically a mar
keting course dealing with the
principles involved in effective
advertising and selling of both
products and services
Money Management f o r
Small Businesses meets Thurs
day nights for four weeks with a
cast of $9 50 It will deal with
methods of business captializa
tion. establishment of credit and
providing
for a continuing
supply capital Basic accounting
and payroll functions will also be
considered
All classes will meet from 7 to
10 p m at Grant High School
2245 N E 36lh Avenue room 135
Students may enroll at the first
class they attend For further
information call Portland Com
munity College Business Edu
cation departm ent. 244-6111
No» is the time to begin
preparations for the 1974 sum
mer boating season The Coast
Guard suggest.- you
Examine your c r a f t- Make
any needed repairs Check for
any hull damage, and inspect
your fuel system, electrical sys
tem and ventilation ducts
Examine your equipment —
Make sure you have equipment
required by the U S Coast
Guard and that it is in good
condition In particular, check
your Personal Floatation Devic
es and fire extinguishers They
must be the appropriate type
depending on the length of your
boat and they must be free from
any defects
Examine yourself-A re you
totally familiar with all aspects
of small craft seamanship" Do
you know how to cope with any
emergency situation that might
arise" If not. now is the time to
take a boating course from the
U S Coast Guard Auxiliary. U S
Power squadrons Red Cross, or
state and local boating author
ities
Don't put off until the summer
boating season what you should
be doing now
Support Your Police
O c r n o n ia E a g le
H uniers T o Receive
1973 Questionnaires
Tax Form Aid
Available
Check Boats
Now Says CG
4 THURSDAY, JAN X, 1974
year are sampled Statisticians
report that the information pro
v loed bv this sample of hunters
is sufficient to give a 95 percent
accurate total for the whole
state
John McKean, state wildlife
director, asks recipients to ans
wer all questions as accurately
as they can remember regard
leas whether they »ere success
ful It is important that hunters
fill out the form even if they
didn't hunt The questionnaires
should then be returned to the
Wildlife Commission as soon as
possible
The survey, including the
results.
is expected to be
complete in March
Wildlife Commission staff bio
logist Don Wilt says 1973 hunter
questionnaires are being mailed
and »ill soon be in the hands of
about 18000 of the sta te ’s licens
i*d hunters
This questionnaire is sent each
year after the close of the major
big game and bird season It
surveys hunter activities and
success for the season on deer,
elk. bear, upland game, and
waterfowl
The information that comes
back on these forms is statis
tically expanded to give the total
amount of hunting effort for the
season and the game harvest
and hunter success for each
species and management unit
About 5 percent of the hunters
who buy hunting licenses each
Residents in Culumbia County
will be able to receive assistance
in preparing forms for the ne»
Homeowners and Renter Refund
program in three locations prior
to the April 15 filing deadline
In Clatskanie taxpayers may
get assistance at the Council
Room of the City Hall from
9:30-11:30 a m on February 12.
March 5 and April 9 Those
attending are requested to
please use the side entrance to
the council room
Raimer-area residents will
find assistance in the council
room of the city hall, 1-3 p.m on
Februarv 12. March 5. and April
9
In St Helens tax personnel will
be on hand in the Board of
C o m m i s s i o n e r s Confer
ence Room. Room 3(16. County-
Courthouse. 10 a m to 2 p.m on
Februarv 7. March 7, and April
11
Residents in the Vernonia area
can receive tax assistance at the
West Oregon Electric Building,
February 8 from 10 a.m to 2:30
p m
ADVERTISING PAYS'
WANTED
A nyone having inform ation regarding
p rio r Jam boree records, financial re
ports, etc. please call D IC K S T E A R N S
The chains of habit are gener
ally too small to be felt until they
are too strong to be broken
Johnson
429-2654 or 429-3751.
B F S E R 'S R efrigerated
ZEE G IA N T R O L L S
M O R TO N
Meat Pies
Saitines
Asst. Towels
Reg. 3 fo r 89c
Reg. 83c
Reg. 2 for 79c
4 89'
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Ea. $ 1 «
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