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' - Pizza's Ea. $ 1 « 2-Lb. — D em o Fri. & S a i.— R o lli S A N T I A M C U T O R S L IC E D — ns»»« DOC FOOD 2 ALPO ASSORTED DETERGENT NALLEYS M ayonnaise CAKE MIXES « amc - io -c u r owes lO N K re a $1M ii 3-11 AVO MAST SI J MINES ASSORTED M K HAM BURG ER HELPER 3 b CS 4 WITH COUP I t OUT COUP 3 / t l UP CENTER RIB CUTS TENDER! C0OMTW» STVlf COUWTV» STY I f ttm EBECJN PIZZAS C IO C IE * INSTAMI P O TA TO BUDS . a PGE 3CE •LAZZA ►O» K IMUT 2 F f l C O U K * III P 9« SA ISAtf 2 °.' 8 9 ‘ r C H O C « » A s s o p it o fètele C hops S IM awes DONC AN .7 9 WESTERN FAMILY SOLID PRINT cur '•*«' ’ »«e« o?89‘ TIDE FRESH BUTTER imo 69' ó ; e LB 16-OZ WITH COUD - w 'O utcou * SLICED BACON c AM W ESTERN i».l 3«IMS GRAPE JUICE $109 T’ r 5 -M VEGETABLES LB WYTHiUTTf» •WC YW HAS 3 ¿ $1 A ’ CUBATO MR »«M M M Tar « b A x»w 'i LTSUL SPRAT •<* M" NOODLES GREEN CALIF. C humkm C INDIAN »TVER LARGE WHITE M GRAPEFRUIT......................... EAMCY HOTHOUSE 5 k ?1 ffc f t A _ ............ eacm 3 V * PINEAPPLE BEAN SPROUTS AM gfe f t É H tS M . H A W A IIA N à: S A N O W IC N BAGS •a c ’ K G WITH COUP M > e n t r y HHCZE OPTED x.2Vç RHUBARB C mumkm G 5 LIMIT 1 P f » COUPON . s LB. SOY SAUCE Vff'UAftflM CMCKfN KfF W OUT CO U» VS ) LIMIT i PY» COUPON bunch CHINESE NOODLES WITH COUP tW /O U T C O U R 47 ) GREEN ONIONS KUtiA < han «PCX C hj MSE X * m P spa « AivM »AM - PANCAKE M IX s e r u T o v ; ;’ ¿ ¡C 8 © ANC CMUM «IM G CHO W M E M «v bomss RAD­ ISHES 057’ IfTTV CNOCKE» COAAPlf Tf «X . CAT ROM FRESH AND CRISP Chow Mein t in ( IT T . W U M X C lean ï 79‘ m . »* R TB M S COOHMS o ? 9 5 ‘ SPECIALS FOR CHINESE NEW YEAR 43- OZ «STATT Cl ALL PURPOSE CLEANER CASSEROLES voxhp mm C *** H SHELF SPECIALS FROZEN FOODS »IV C H U N K IN G BEEF C H IC K E N PCX» SHRlM» e^i LIMIT 1 PfB COUPON SANKA COFFEE spe tor j*« WITH cou» IW /O U T CO U» * 2 i» i IMUT I H» C0UM 3N 88‘ » » IC E S E E E tC T lV f ) A N U A in 2 A 23 26 9 OADJL. Atmoesm FOOD ■TAMP y»»*» u u t t u ) o a o c n a w c . m jE F rasn ite . - teuoiu . aaat A D V E R T IS » ITEMS SUBJECT TO AVAILABILITY O » SURELY INJECTOR RAZOR SHOCK ADJUST R fG T A P S IM INJECTOR Sf PIUSPIATWAJAA 7