WEST SIDE RECORDER
Volume 3, Number 3
EASY PAYMENTS NOT SO EASY, ONE MAN DISCOVERS
What happens when a person gets in debt over his head? How does it happen? Here is one man's story.
In 1964 Mr. Smith was work-; ing regularly taking home $100 to $120 a week and paying a number of small bills he had. When work slowed up he took out a loan for $140 from Loan, Company A to pay for the rent and some of the bills. But work slowed up again. When he missed a payment, he signed a paper to "bring him up to date." Later he found this added $300 to his debt, and he refused to sign another such paper the next time he fell behind. Then Company A sent a man to try to get his wife to sign. When she refused he called her names and made threats. He now owes Company A $577, on an original $140 loan.
Later when for a while Mr. Smith was working regularly again, he bought furniture with a loan from Loan Company B, for about $200. He was now-paying out oVer $50 a month to loan companies,, chid '-was ,]dble to manage until work fell off-again. He offered Loan Company B a half payment, and when they refused, he want to a -debt adjuster. ^.CThe^ debtors-agreed to work with the adjustor to cut down payments, and he gave the adjustor $125 for their services. A few days later Company B began to send a man to see him at work, Almost daily, who complained about getting no money from the adjustor. The" adjustor claimed to be paying the loan companies and tried to force Mr. Smith to pay them another $25, but he threatened to take the adjustor to court. Conse-
Fry Ordered To Vacate Old Firehouse
Group South Of First Ave. Starting
Several people living south of West 1st Avenue have ex* pressed 'interest in forming a citizens' group, possibly to be part of the West Side Improvement Association. If sufficient interest is shown by enough people who are willing to become. active participants south of 1st Avenue, the. Association can be asked to extend its area. Anyone in that area wanting to become active in developing a citizens' group can contact Mr. William Haidoh, 45 South Elati- Street, phone 777-3459.
quently, Mr. Smith was fired' as a result of the man from Loan Company B coming to see him at work. Now his bill with Loan Company B which began at $200 is $787.50.
In 1965, Mr. Smith found that he was also in debt to Loan Company C, which had bought a contract he had signed for another $200 worth of furniture. C did not use the forceful tactics which were typical of A and B, but his debt there is now $495.
Smith tried to meet payments by using money that was needed for utilities, and he is $106 in debt to Public Service Company. He is unable to get a job because employers know his wages will be garnisheed. So now he finds himself on welfare and in the process of declaring bankruptcy.
Before a person takes out a loan he should consider carefully how much he can borrow safely, remembering the possibility of being laid off, sickness or other decreases in income. Mr. Smith complains that it is too easy jo. take* out just one more "small" loan, but once a person falls behind; some loan' companies hound him., get him ScisU .keep him...., Jxam-, gel* ting another job.If you borrow, find out the REAL rate of interest, the amount of payments, and what happens if payments are missed. Mr.. Smith warns not to take the loan compqny's word for these things but to check the. papers with a lawyer or someone else who understands such matters before you sign. It is also verv important that husband and wife work together on keeping monthlv payments under control and that thev do not each run up bills the other knowing about it.
Closeup of the Old Firehouse
ACTION COUNCIL ORGANIZES
The dilapidated fire station at West 3rd Avenue and Cher-which was purchased by Murray (Pappy) Fry, is still standing. In an interview with a Denver Post reporter, Mr. Fry admitted buying the building but says he has no further use fox it. Zoning AdministratorA. H. Jansen ordered the Pappy Fry Development Company to stop using the old building as a warehouse, giving him until July 22 to empty it Since that time, furniture has been removed, but there are cars remaining inside. Neighbors are also concerned about children who wander in and out of the worn out structure.
FLASH! The weeds have been cut and the cars removed.
At their meeting on June 15, | the Westside Action Council: elected the following officers: Chairman, Mr. Bernard Trujillo, 674 Elati; Vice-Chairman, Mr. Don Field, 142 W. 1st Ave.; Secretary, Miss Joyce Ellsworth, 428 W. 13th Ave.; Treasurer, Mr. Frank Clay, 1314 W. 10th Ave.
Delegates from the Council to the Board of Denver Opportunity; the loeaLWar on Poverty body, are Mr. Don Gallegos, 1237 W- 10th Aye., and Mr. Ralph Qaschler, 928 11th St.
The Westside Action Council has set up the following committees: Schools and Education, Safety, Parks and Recreation, Family Economics, Legal Matters, Housing, Public Relations, Employment Resources, and Grievances. Anyone wanting to bring matters to the attention of any of these committees should contact the chairman of the Council, Mr., Bernard Trujillo,. 255*7290, or leave a message for him at the office of the West. Side Improvement Association, phone 2443301,
TRASH PICKUP FOR INSPECTION AREA
The city has promised special pickup of trash, tom down sheds, etc. from the inspection area north of West 8th Avenue and the area west of Santa Fe and north of West 5th Avenue. The RECORDER will publish the pickup schedules when they are received.
Proper Garbage Container
The city plans to make Santa Fe one way north from the Valley Highway below Alameda to West 14th Avenue, to make West 14th Avenue two-way between Santa Fe Drive and Kalamath, and to make Kalamath one-way south, from West. 1.4th Ayenj-te to- the V alley Highway. Some, parking restrictions core also to be put into effect
The. one-way street system was approved by Mayor and Council in the. 19.66 budget and is scheduled to go into effect in late September or October.
Improper Garbage Containers
GARBAGE CAN PROBLEM CONTINUES
Monday and Wednesday Typing Class for Adults West High School, 7-9 p.m.
) Adult Education, Room 111, Baker Junior High, 7 p.m. Greenlee School, 7:00 p. xxu
Adult Education Tutorial Program . j
St. Elizabeth's School 7:30 9:30 p.m.
Improper garbage cans con-| tinue to be a cause of littered. alleys in many parts of Denver, I including the West Side. As1 well as being ugly, the mess in jhe alleys' is a health haz- j ard, attracting rats, other rodents, and vermin. Dogs, cats, and children also rummage through the open garbage. The Board of the West Side Improvement Association has asked the city officials for enforcement of existing regulations that call for people to use garbage cans of 40 gallons or less with tight-fitting lids. If a city ordinance is needed to get enforcement the Association supports the adoption of such an ordinance.
Frequent complaints come to the WSIA office about use of oil drums with no lids being used, with garbage spilling out of them into the alleys, about people putting garbage out in boxes, bags and tubs. It is clear that the regulations are not being enforced. .
July 28 Westside Action Council meeting, Mennonite Youth. Center, W. 9th Ave. and Elati, 7:30 p.m.
August 3 b3j Rummage Sale, Mother and Infant Care Center, 1168 Mariposa, 9 aJn. tq b- p.m.
Tickets For Burning
The Building Department hais begun issuing tickets for burning trash at times other than the- regular burning hours which are 1 p. m. to 6 p. m. Several West Siders have gotten tickets.
MAYOR ATTENDS WEST SIDE MEETING
Mayor Thomas Curri<~an a-id other city officials attended a general meeting of the West Side Improvement Association at St. Joseph's Hall on June 30 One hundred and fifty W*#t Siders were there to raise ques-tions 'bout city programs as the effect the West Side.
WEST SIDE RECORDS
Sponsored by West Side 1 Improvement Association
Office: 768 Santa Fe Drive Phone 244-3301 Editor: Rachel Guedea
Rose Gomez, Iris Hewlings, Margot Serumgard, Mildred Jordan, Juanita Winterhalder, Mary Chavez.
Mr. and Mrs. L. Gallardo oi 1251 Kalamath visited their folks in Mitchell, Nebarska. Mrs. Gallardo's father returned with her for a visit here in Denver.
Mr. Tilo Valverde of Albuquerque, New Mexico, the brother of Mrs. Julia Pacheco of 1253 Lipan Street, and Mrs. Shirley Quintana and five children, the niece of Mrs. Pacheco, were here on a visit for a week.
Mrs. Isabel Martinez, 1429 Mariposa Street,. I, .celebrated her 80th. birthdqy July^4th by visiting Her son gnd grandson^ in Ogden, Utah. : Mrs. Martinez was accompanied by her daughter, and son-in-law, Mr. and Mrs. Max G. Valdez of 1338 Mariposa and her great-great-grandson, seven year old Dean Morton.
Friends of Mrs. Lucia Gorman will be interested in knowing that she has moved from. 1348 Navajo to 1427 Mariposa. .
Mrs. Dagmar Christiansen, 1319 W. 13th Avenue, left Denver Thursday, July 7th for New York City where she will visit her grand daughter, Beverly Christiansen. Miss Christiansen, a coloratura soprano who appears in both opera and concert, is a former Denverite and attended Denver University.
Everyone was glad to welcome Mr. Leonard Chadwick, manager of Lincoln Park Homes and South Lincoln Park Homes Housing Projects, when he returned June 27th from a three weeks vacation spent visiting family members in California.
Miss Elizabeth? Kerr, 251 Bannock Street, recently won a week's trip to. Bloomington, Indiana. The trip was one of three given to the outstanding juniors in Junior Achievement Elizabeth will be attending the National Junior Achievement Association Convention.
Pvt. Larry Romero, 238 Cherokee, returned to Fort Leonard Wood, Missouri for training at the Enaineering School after a furlough with his parents.
Mr. and Mrs. Ramon Mejia of 419 West 3rd Avenue are the proud parents of a- baby girl.
Miss Helen Cochran and Mrs. Mattie Cochran, 242 Cherokee, recently Helen
Burke, 226 Cherokee, vand Mrs. Fern Burke on a tour to Steamboat Springs, Colorado. It was the first time that the two Mrs. Burkes had seen that part of Colorado.
Mr. and Mrs. Armando Garcia recently purchased and moved into the home at 240 W. 3rd Avenue. We are glad for new neighbors. They have three children.
Mr. and Mrs. Roy Maberry, 308 Inca St., were visited by Mr. and Mrs. Robert Gaskin of El Paso, Texas, who cue on their honeymoon. Mrs. Gaskin is the Maberry's eldest granddaughter, and the niece of Mr. and Mrs. Marshall White of 230 Cherokee St. Mrs. Maberry is improving after a rather lengthy illness.
The Rev. Thomas Murray, D. D., and Mrs.. Leila Murray celebrated :their Golden Wedding Anniversary on June 26 at* the First Presbyterian Church of Littleton, Colorado. Dr. Murray was pastor of the First Avenue Presbyterian Church from 1927 to 1956.
John Blomquist, son of Rev. A. J. Blomquist, 435 West 2nd Avenue, has graduated from Sterling College in Sterling, Kansas, and is now teaching in a government boarding school for the Navajo Indians at Toodlena, New Mexico.
Mrs. Etta Reynolds, 251 Bern nock, has returned from the hospital after sutfgfery. She is home and feeling much better.
. Mr. John Lawler, formerly of the West; Side, passed away recently after fracturing a hip.
Anne. Molien from Anne's Beauty Salon of 971 Santa Fe Drive spent the Fourth of July with her daughter in Lake-wood. Her granddaughter had her fifteenth birthday on the Fourth, and they had a wonderful party.
Mr. and Mrs. Arthur K. Serumgard of 1247 Lipan Street had as their house guest their son Siver, from Pacific, California. He is on his way to Helena, Montana, to visit his 'family. On July 5th they entertained in their son's honors a group of friends. Guests were Mr. and Mrs. Frank Gumma, Mr. and Mrs. Robert Recek and their doughtier Gloria and Mrs. Connie Douglas.
Mrs. Hazel Warner formerly of the West Side is visiting her children in Denver. She now resides at Resieda, California.
Judy Gallardo and son David of 1251 Kcdamath spent two weeks in Fremont, California, visiting her sister.
It was a wonderful day for CHURCH RITES UNITE
Mr. and Mrs. Bennie Vasquez of 1239 Lipan Street when they received a phone call from their son, L7Cpl. Ronald Vasquez stationed in Viet Nam. They received the all June 18th at 10:00 a. m. He is stationed in Da Nang and is with the Marines. He ^reported that he was feeling fine. His brother P. F. C. Bennie J. Vasquez is stationed in Pleiku.
The Leo Sullvans of 282 Inca were very happy when their son Roger, his wife and three children arrived from New York for a two weeks visit on their way to Louisiana where Roger was transferred.
Mrs. May Day's calendar comprised a dinner at the Leo Sullivans to admire their recent interior decorations; canasta evening at Ann Prewett's home at 145 West 1st Ave.; luncheon at the Brown Palace in the Marco Room where the guests were Mrs. Robert Deter, Mrs* Viola Henry, Mrs. lone Schroder and Mrs. Lulu Young.
Mrs. Johh Evans of 233 Inca has been installing a lovely steel porch and awnings. These were added to the** front of her house. Her brother and wife arrived to spend a week's vacation before they return io their home in Florida.
Mrs. Amanda Forestenson of 314 Inca has left for a three months vacation visiting her children in New Mexico and California.
Miss Viola Torres.apnomices the marriage of her sister, Christine Magdaline Duran, to Marcelino Acuna, son of Mrs. Alta Garcia Acuna of Mexico.
The Reverend Mike A. Sala-zariofficiated at the double ring ceremony at the Spanish Assembly of God Church, 201 Fox Street, Saturday, July 16th at 2 o'clock. Honor attendants were Mr. and Mrs. Nick Sanchez of Pueblo, Colorado.
The bride wore a floor length traditional white wedding gown with finger-tip bridal veil. Her bridesmaid wore a pink floor length dress and hat to match.
A reception for the bridal couple and guests was held following the ceremony in the church parlors of the Church of God, 5th and Fox Streets, through the courtesy of the Reverend Leroy Vance.
A 1961 graduate of West High, the new Mrs. Acuna is employed by the Denver Hilton Hotel. The bridegroom has been employed by a construction company for the past three years.
The bride has made her home with her sister at 1080. Navajo for the past year. The newlyweds will reside in Denver after returning^ from their honeymoon in Colorado Springs.
Colorado Social Security And Medicare Alliance
(formerly known as Social Security and Medicare Council) has announced the following plan of action and goals: ..Delegate^ of aged groups I in Colorado and suiToundihg Mr. and Mrs. H. S. Schoriborg = states will hold seminars ana of 4240 Lipan. /Street and ; Mr. | study. groups on Federal and and Mrs. Michael Kensler of, State Legislation:
Mrs. M. J. Pitt, mother of Mrs. Justice Gregor, is back from a Mr. and Mrs. Clifford Gumm month's trip to Scandanavia. and Gayle of 270 Galapago j She reports she had a wonder-Srteet are spending their vac a- ful time but is glad to be back tion seeing Colorado. 'in "Good Old U.S.A."
Pueblo drove to Hedrick, Iowa, for the wedding of their nephew Gary Kensler on June 19th. They also visited Marengo, What Cheer, Missouri Valley, Ottumwa, Iowa, and Hastings, Nebraska
Mr. and Mrs. Henry Schon-borg of 1248 Lipan Street attended the wedding of Miss Shirley Weeks at Fort Collins.
Mr. and Mrs. M. M. Churchill of 1209 Lipan Street went to Buena Vista, Colorado, to attend the wedding of Jacqueline Stroeber, file daughter of Mr. and Mis. Leo Stroeber. They were gone four days and had a wonderful time.
Mr. and Mrs. Frank Stark of Covington, Ky., son of Mrs.. Louise Churchill, were here for a short visit.
Mrs. Joe Piute of 1418 Lipcm Street passed away after five years of illness.
vr 1. To increase old age pensionthe same as Social Sd^urity maximum.
2. Free hunting and Fishing Licenses and Summer Crimps to all citizens of Colorado 65 years and o-ver.
Colorado Delegates and out-of-
^ Seventeen members of the Lincoln Park Senior Citizens Club were treated to an unusually fine program when they met Tuesday, June 21st. Mrs. Lynn Bradld^, club co-ordinator from Auraria Community Center, gave a lively description of her travels through England and Wales while acting as chaperon for a group of Girl Scouts. She illustrated her talk with a number of slides showing, not only points of historical interest, but the beauiy of the countryside as well.
This was the last regular meeting of the Senior Citizens to be held until next September. However, several summer events are planned that will keep the members in touch with one another. On Tuesday, July 12th, a bus trip to Evergreen and Bergen Park was scheduled. Stops were made for lunch and a visit to the Clock Museum. Tickets have been distributed to all Lincoln. Park Senior Citizens for the annual Senior Citizen's picnic at Elitch's Gardens, and many plan to attend. An, invitation has .also. been*. received to the Senior Citizen's Tion&er Roundup to be held in Arvada, August 12th. A tour of the Botanical Gardens on July 5th was cancelled because of a whiplash injury suffered by Mrs. Bradley in a 4th of July traffic accident.
There is a saying, "A good housekeeper begins at home." If you clean your home inside you clean it outside, and a good judge begins at home. I have been in Denver for the past 42 years. In. these past years I have seen very few changes. I see one-way traffic streets, a few new buildings and the Valley Highway, but still the Platte River is the same, filthy and crooked. Since
The Gardinos of 1271 Kalamath Street were in Mexico on a visit. They reported a wonderful time.
Mrs. Bernice Culp has been enjoying a visit with her daugh-
state delegates will sit in joint j have been here in Denver, we session on Federal Legislation: have had many mayors, one
1. To increase Social Secur- goes out and another gets in.
ity 10% retroactive to They promise, many things and Jan. 1, 1966. ; changes, but they haven't
2. To secure doctors' services thought to clean the slums to be paid by Medicare. where decent people live and funds. All groups in and are good citizens and taxpay-out of state may write for ers. Our beautiful city of Den-
| further information to So-Jyer, surrounded with mountains cial Security and Medicare [and trees, now is the time for Alliance, Post Office Box these ^big officials to do some-
9472, Denver, Colorado.
Nate Owens of Nate's Grown Liquors, 975 Santa Fe, wishes to thank all his friends and customers for their patronage and pdfience during file remodeling of the store.
thing for those who vote for themthe little people that put them the're.
G. I. Forum News
specializes in reupholstering-kitchen chairs and furniture. Mr. L. W. Kimball, the owner, has been in. the upholstering business since 1943,
Emrick & Company Plumbing and Heating Contractors ter and family, Mr. and Mrs. I moved to 536 Santa Fe Drive Gerald Kletke, of Omaha, Ne^on June 1, 1966, after 20 years braska. . at 194547 Champa Street.
The Queen of the Mile Hi Chapter of the G. I. Forum, Miss Victoria Lopez, was crowned queen for the State of Able Industries moved to 750, Colorado. She will go on to Santa Fe on June 1. The bus- j represent file State of Colorado iness, employing two people ^ the National Convention in
San Diego, California.
Mr. Paul Martinez was elected as State Chairman; Mr. Art Valdez, Executive' Secretary; Mrs. Neil Duran, State Chairwoman; Mrs. Sara Barela, State Secretary; and Miss Jill Vigil, State Junior Chairman. All are active West Denver Mile High Chapter members.
AURARIA COMMUNITY CENTER HOSTS t PROJECT ENABLE
Mrs. Lucy Lopez, Chairman of the ENABLE Advisory Board, announces, the Education and Neighborhood Action for Better Living Environment program, (called "Project ENAt BLE") will begin operating at Auraria Community Center on August 4th. Some concerns about the behavior of children, lack of recreational facilities, attendance at school; poor grades, bad habits, and the many other concerns relative; to children growing up in the community will be discussed.
Mrs. Lopez said babysitting] will be provided for attending parents. A major function of the porject will be to organize discussion groups after door td door canvassing. These groups will hold weekly meetings under the direction of a leader specifically trained in analyzing the difficulties of families in this area.
On basic concern of social work agencies is that parents tend not to use the agencies, i Mr. William Toby, Jr., our community organizer on the ENABLE \teapi, will be working;
,K^s. Rosa Zulong, Mrs. Dorothy Lindsay, Mrs. Lois Davis, and Mrs. Beatrice Espino, social Work assistants on the ENABLE team who are residents of the Denver areas being served, to deteririine gaps in services and help parents make use of existing agencies.
During the ten weeks, other similar community concerns will be expre^d^by ents in their, groups and we hope solutions to these con-: cerns will be determined.
Baker Junior High
Baker Junior High School has a summer seission enrolling 130 students. There are ten teachers and one aide, a recent graduate from Job Opportunity Â£ Center. The session serves students from the Baker area, giving refresher course work in social studies, mathematics, and reading. Most of the students in the summer program came from reading improvement classes.
Students at summer school go on trips to such places as Hot Sulphur Springs, Grand kgh<2/* Central City, the Air Foifce Academy. The last trip will be an airplane ride over Denver.
Most students seem to be enjoying the classes, according to Mrs. Doris McGregor, one of the teachers. She hopes that a similar program will be available next year for even more students.
I think Outward Bound School is one of -the best schools in Colorado. It is one of the hardest and toughest I have ever been to. They taught things I never knew before. I think that all boys should try to go to it, for a hard and fun time.
Scholarships Available At Metro State College
Metropolitan State College has a full financial aid program fpr,, eligible students wanting to enter this fajl. //Financial did will be available from the National Defense Student Loan program, the Economic Opportunity Grant program, the College Work-Study program. There are also some tuition waivers. Funds will be awarded on the basis of past grades and need.
Anyone wanting to learn more about the opportunities open should contact Dennis Farhar, Director of Financial Aid and Placement, at the college, 250 West 14th Avenue, phone 292-5190.
OPENINGS IN HEAD START CLASSES
From time to time there are openings for new youngsters in the Head Start programs in Lincoln Park and South Lincoln Park. These programs are sponsored by the Denver Public Schools. For more information, visit the classes at ^41^ Navajo, 1201 W. 10th Avenue, or 1017 Navajo. There may also be an opening in the Auraria Community Center Head Start program.
Boys ,and girls, it's hot too late You still have two months left in which .to earn your Vacation Reading Program (VRP) ^certificates. Byers Neighbor-h6od Library, 7th and Santa Fe, hcjs plenty of VRP tallies just for the asking. And, all you have to do is read eight books from the library, write down their titles on your VRP tally and bring the tally back to the library by September 15. Its easy, and its fun and its for you.
It -has been a long hot summer and there is no better cure for the heat than a good book. little energy is involved in turning the pages and the story can take you far away to cooler lands and exciting adventures. Start with just one book that looks good to you j and before you know vii?/you will have read all eight needed to earn that Vacation Reading Program certificate. Many children have done so already. Their names are proudly mounted on toe big bulletin board at Byers Neighborhood Library and they'll receive their completion certificate at school next fall. Don't you be left out!
Would you believe that, right now, Byers Neighborhood Library has a higher percentage of completed tallies turned in than any other library in Denver? It's trueand something to be very proud of. So get in on all toe fun and read, read, read. Remember "The Sky's The limit."
A TRIP TO SCANDANAVIA
On Sunday, May 29th, I left Kansas City with the Challenger Camera Club and flew to London.. My tour then flew to ... Ddblin where we were met by our guide for the next four .. weeks.
We were three days in each of toe following countriesIreland, Scotland, and England. The Country was at its prettiest with rhododendron and lilacs in bloom and the mountains and meadows so green. All our city tours included the places and things that we had read about and that are of interest to tourists.
We sailed from Newcastle, England, to Bergen, Norway, which was a twenty-five hour trip. Our travel .in Norway was through toe mountains where there was lots of snow which had just started to thaw and the waterfalls were so beautiful. We visited in Oslo and Lorn. In June it never gets dark; ~at midnight it looks like our twilight here. From Norway we went oh to Sweden where there is much more cultivated land with small farms growing grain and gardens.
. We Were very anxious to get to Copenhagen where we visited toe fcsmous Tivoli Gardens. From there we from Denmark into Hamburg* Germany rind Bremen #&ch were destroyed in Wprid War II, but have been restored. Hdhiburg is close to toe EaSt German border and is West Germany's largest seaport
We revisited in some cities that I .saw last year on my top such as Amsterdam and Den Taag, but Was happy to return as their main industry is growing flowers, and they are beautiful.
Our next stop- was in Brussels, Belgium, and then to Paris, France, where he had three days of sightseeing. We had also been in Paris last year, but because we were more familiar with it this time we enjoyed it more this trip.
On Sunday, June 26to, we boarded our chartered flight again for our return home. The first stop for us was Chicago. From there we went by train to Denver. We had a marvelous time, however was glad to get home after being away for a month.
Mrs. M. J. Pitt
535 Galapago St.
On August 3rd neighborhood women representing toe Mother j and Infant Care Center at 1168 Mariposa (right next to toe Auraria Center) will conduct a rummage sale. The sale will begin at 9 a.m. and close at 5 p.m. All persons living in the area are invited to come.
If anyone has rummage they would like to get rid of, they can bring it to toe center between 8 a.m. and 10 a.m. each weekday To make arrangements far having rummage picked up, call 244-0952.
TIPS ON CONSUMER CREDIT
BUYING ON INSTALLMENT?
Remember Before You Sign .
Read and understand the contract. Don't rush.
_Never sign a contract: with, spaces left blank.
Be sure the contract 'tells:r \ , c
Exactly what you are buying.
Purchase price, or amount borrowed.
Interest and service charge in dollars* or simple an- < :|f nual rate.
Total amount due. Down payment.
Amount and number of payments. Dates due.
Trade-in allowances, if any.
|What if you can't pay. Or pay ahead?
Know whom you make all payments to. .
WR-What are seller's commitments for maintenance, service or replacement ?
Be sure you get a copy of contract to keep.
Ask Before You Sign .
-How much cash will you actually get?
What is the simple annual rate?
rWhat if you have to miss a payment?
-How does the lender figure the balance due if you refinance?
If you pay ahead of time is there a penalty?
Will you get a refund?
Whom do you make all payments to?
To find the cost of credit from different sources, compare the TRUE ANNUAL RATES of interest.
Retail dealers (including mail order companies) on revolving or$budget charge accounts
Commercial, government insured banks
Small loan companies
Auto finance companies
Quoted Rate 1 % to 1 Vi % per month on the unpaid' balance. Usually quoted dollar charge only
3% to 8% per year (or $3 to $8 per $100 per year).
9A of 1% to 1% per month on the unpaid balan ce
m% to 3l/2% per month on the unpaid balance
6% to 12% per year (or $6 to $12 per $100 per year).
True Annual Rate 12% to 18%
6% to 16%
9% to 12% ;18% to 42% 12% to 24%
You best buy in credit is usually a commercial, government-insured bank or a credit union.
LAWN TIPS. Don't remove the clippings from your lawn (unless, of course, you've recently fertilized and the grass is growing rapidly). Clippings, U. S. Department of Agriculture turf experts say, help to maintain humidity long afer the sun has dried off surrounding uncovered areas.
When you water, do it early enough in toe day to allow the grass time to dry out before night. Avoid frequent, light waterings S- especially during warm' weather.
Never remove more toon one-halfOf toe* leaf surface at one mowing.
Watch Out For Slow Moving Vehicles
When you hit the highway this summer, beware of slow-moving vehicles. This is the time of year farmers and road crews are busiest, and often they move their equipment on high-speed roadways. To give you fair warning, several states now require slow-moving vehicles to bear an easy-to-see emblem. But whenever, whenever you travel, watbh for this symbol of slownesson mowers,'graders, road rollers, combines,; tractors and similar slow-moving farm and construction equipment. It may' save your life.
Rev. Williams Leaving To Continue Education In New York
Rev. Russell Williams of the Inner City Protestant Parish leaves his pastorate for New York in August. He will be studying for a doctorate at the Center for Human Relations and Community Studies at New York University. While at N. Y. U. he will live in Brooklyn and will work part time as assistant minister at a Methodist Church.
Rev. Williams stated that the Inner City Parish hopes to become more and more involved in providing space for
programs in toe community. He feels that more churches in toe West Side have been doing just this kind of thing in recent years. Rev. Williams said that he feels a need in toe neighborhood to work directly to promote better relations between Latins and Anglos.
The Personnel Committee of the church is currently reviewing applications of candidates for toe position which Rev. Williams will soon be vacating.
Wesley Methodist Inner City
Rev. Kamman and Family
A reception was held at the Wesley Methodist Church to welcome Rev. Joe Kamman
Mrs. Robert C. Recek was in charge of this enjoyable affair.
Rev. and Mrs. Joe Kamman ond daughter Shellie are prig-inally from Huntington, Indi-
On Monday afternoon, June 29, two buses and three cars hill, of happy, ^smiling youngsters and adults left Denver to spend a week at Big Elk Camp, north of Allenspark, Colorado. In all, 60 people spent four days at the camp in a mountain valley. The camp was provided by the Colorado Conference. of the United Church of Christ and supervised by the staff of the Denver Inner City Protestant Parish. In addition to the regular staff, counselors at the camp included Mrs. Mary Solano, Mrs. Margaret Castaneda, Mrs. Cathy Castaneda, and Mrs. Rosalie Alcorn.
One of the highlights of the activities that week was a cook out on Thursday afternoon, followed by horseback riding. Other activities included morning and evening devotionals, a campfire each evening with songs and skits by the campers, mountain climbing, hiking and wonderful food.
PAINTING POINTERS. Summertime is paint up time. And if you plan to paint your house this.summeror hire it done you'll. probably be interested in these tips from the U. S. Department, of Agriculture. (1) the same brand* and-: type of* paint originally jused-^-uii-ldss of course, it's given poor service. (2) Repaint only when the old paint is/worn thin and p.o longer protects the wood. (3) Ordinarily, paint no oftener than every 4 years. (4) When applying two coats, wait 2 weeks between the first and second. (5) To avoid heat blisters, paint the north side of the building during the first part of. the morning, the east side in the late morning, the south side early in the afternoon, and the west side in the late afternoon.
The Denver Inner City Protestant Parish, at 9th and Gala-pago, began its summer program on June 27. In addition to the continuation of its usual programs,, such as Sunday morning worship, Tuesday rum-
and one-half years old. We woUla hope that all members and friends of' Wesley Methodist Church will soon be ac-
The W.S.C.S. of the Wesley Methodist Church sponsored a smorsgasbord dinner on the evening of July 14th. A good crowd attended and many old acquaintances were present. .
The All Church Fellowship crt the Wesley Methodist Church -will have a picnic at the Bar-num Park, July 31st; members o:nJ friends are welcome.
.The First Mennonite Church, 430 West 9th Avenue, will hold Vacation Bible Classes the Tveek of August 1st to the 5th. Glasses will be held every evening, Monday through Friday. Everyone is invited to attend. For further inormation call 24.4-2093. . ,
The Annual Church Picnic of the .First. Mennpnite Church is being planned for August 28th by the women of the. church.
several new programs, especially for youngsters ih the West Side area. Tuesday morning, from 10:30 to 12:30, there will be a recreation program at First Spanish Methodist Church,
11th at Kalamath, for boys and girls in the primary grades, aged six to eight. On Thursday morning from 10:30 to 12:30, a recreation program ior juniors, age 9 to 12 Parish building, 9th and Gala-j Department pago.
PICK THE PLENTIFULS. Tc save money on food check the ads to see- what's in good supply. Abundant foods are usually cheaper. For a peek of the | mto the future, here's the U. S.
If you Have not had all three Sabin sugar cubes, polio could j strike you, causing suffering, crippling even death. Why risk this danger, when you can take three Sabin sugar cubes and be sure you'll never
The summer program is under the direction of the Reverend Russell Williams and Miss Marilou Taggart. Assisting them are a group of summer staff from all over the United States. The staff members are: Miss Jo Anne Spiro from Aurora, Miss Gayle Pratt from Littleton, Miss Linda Kreidler from Denver, Miss Cindy Burton from Denver, Miss Berenda Green from Alabama, Miss Maggie Jackson from Alabama, Mr. Dave' Whitlock from Miami, Florida, Mr. Jim DeSmitt from Michigan, .Mr. Jim Oestereich from Cheyenne, Wyoming, Mr. Bob Chandler from Denver, Mr. Robin Hill from Boulder, Mrs. Janet Brett, Parish Secretary from Littleton, Mrs. Fredel Wiant, office assistant, from Denver, Miss Bonita Mazzara from Denver.
If you are interested in any of the programs at the Parish, or if you would like more information about them, please stop by or call the Parish at 244-2636..
| List of Plentiful Foods for July: | Plums, peaches, watermelons, vegetables and broiler fryers. In August expect more plums, Bartlett pears, potatoes, turkeys, seasonal vegetables, peanut butter.
PROTEIN BARGAINS* About 40 cenfs of every dollar spent on food goes for protein items So any money a homemaker can save here goes a long way in cutting the grocery bill. Instead of serving high-priced protein items every day, food economists at the U. S. Department. of Agriculture suggest the. homemaker slip into her, menus a few of the less expensive foods. Serve dry. beans occasionally. Five cents worth of beans. provide one-third of a day's protein for a young man. Prepare. cheese dishes. Four ounces of American cheese or % cup cottage cheese will give each person a meal's worth of proteinfor 9 to 12 cents. *Eggs, beef liver and chicken are three other protein foods. Figure 15 cents for a third of a day's protein from each of fhossi
CHURCH OF GOD 5th and Fox Street Phone 244-2339 Rev. Leroy Vance Sunday Service, 11. 7:30. Sunday School, 10.
METROPOLITAN BAPTIST 910 Kalamath Street Rev. Salvador Cano Sunday Service, 11, 6:30;. Sunday School. 10.
Denver Inner City Protestant Parish
910 Galapago Street Phone 244-2636 Rev. Russell S- Williams Miss Marilou Taggart Saturday Church School 10 a. m, (Children 6-12 years).
Sunday Worship11:00 a.m. (Everyone welcome).
Apostolic Church of Jesus 1039 W. 13th Avenue Rev. Toby Rampa Phone 244-2765 >.
Rev. Lee Velasquez ------
Sunday Service, 10:30, 12:00. Sunday School,. 9:30.
ST. JOHN'S LUTHERAN West 3rd- Ave. and Acoma Phone 733-3777 Paul G. Hansen and Roger A Stiers, Pastors
Services: Sunday 8:30, 11:00 a. m.. 7:00 p. m,
Sunday School: 9:45 a. m.
APOSTOLIC FAITH CHURCH 1000 Kalamath Street Phone 255-3215 Rev. R. W. Nichols ServiceSunday: II, 7:00. Sunday School9:30.
WHAT'S IN A NAME? A lot-if the product has meat in: it and has been shipped across a state line. Then it's inspected by the U.S. Department of Agriculture, and you know the name accurately describes the product.. "Curry sauce with vegetables and beef," for example, indicates more sauce than anything'else, a few vegetables and even less beef. Had the product been labeled "beef curry," it would have been the other way around.
EGGS ARE ECONOMICAL. Eggs are an economical meat substitute, any time of the year. And you can save twice by buying Grade B eggs rather than Grade A for cooking.. The U.S. Department of Agriculture says Grade B eggs are just as nutritious as Grade A, just as good scrambled, in a casserole or souffle.
First Avenue Presbyterian 120 W^st l$t Avenue Phone 7*77-5325 Rev. A. J. Blomquist Sunday Service, 11 a. m.. 6:30 p, m. ' V
Sunday School 9:45.
ST. JOSEPH'S REDEMPTORIST CATHOLIC CHURCH W. 6th Ave. and Galapago St* Phone 534-4408
Rev. James Nugent, C. Ss. R. Pastor
ServicesSunday Mass: 6,
7, 8:30, 10r 11:30.
Holy Days 6, 7; 3, 9, 12:15, 6 p. m.
ST. ELIZABETH 11th and Curtis Streets Phone 255-9556 Rev. Fabian Flynn, Pastor ServicesSunday Mass: 6.
8, 9:15, 11, 12:15.
Holy Days: 6, 7. 8, 1 12:15. 5:45.
ST. PETER'S EPISCOPAL 126 West 2nd Avenue Phone 722-8781 Rev. David Minton Sunday School 9:30 a. m. Sunday Service 11:00 a m.
WESLEYAN COVENANT 525 West First Ave.
Rev. O. L. Crager Phone 722-4888 Sunday services11.
Sunday School, 10:00 a.m.
Iglesia Bethel De Las Assam-bleas De Dios West 2nd Ave. and Fox St Rev. Mike A. Salazar, Pastor ServiceSunday, 10:00 and 7:30 p. m.
FIRST BETHANY LUTHERAN 215 West 5th Avenue Phone 825-4862 Rev. Fred A. Bloch Sunday Service, 11. 1
Sunday School 9 30.
WEST SIDE CHRISTIAN 668 Inca Street Phone: 623-3419 William K. Linton, Minister Services: Sunday Worship 10:10 and 7:00 p. m.
Bible School: 9:00 a. m.
FIRST SPANISH METHODIST 935 W. 11th Avenue Phone 255-6152 Rev. Thomas Sepulveda ServiceSunday: 9:45, 11,
WESLEY METHODIST 465 Galapago Street Rev. Joe Kamman Sunday Service, 11.
Sunday School 9:45.
ST. CAJETAN )
9th and Lawrence Phone 825-8059 Rev. J. Ordinal, Pastor Father Max Santamarta, Assistant Pastor SericesSunday Mass: 7:00, 8:30, 10:30, 12, 7 p. m.
Holy Days6:30/ 8:30, 10:30, 7:00.
FIRST MENNONITE CHURCH 885 Delaware Street Phone 2442093 Rev. Marcus Bishop Rev. John Ventura Sunday Service9:00; Spanish Service 11:15; Sunday School 10:00; Evening Service 7:00.