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Show November There are good reasons why credit unions g are the nation's financial fastest-growin- institutions. DIVIDENDS at Federally chartered credit unions, for instance, compare favorably to interest on passbook savings accounts at banks and savings and loans. In 1976, 11 percent of all Federal credit unions paid a 7 percent dividend rate; 44 percent paid from 6 to 7 percent; 31 percent 5 to 6 percent. IX ADDITION, credit unions pay interest refunds to their borrowers, reducing the net cost of loans. In 1976, 15 percent of Federal credit unions paid refunds, most commonly between 10 and 11 percent. REPAYMENT of loans is typically through payroll deduction. In 1977 new legislation expanded credit union services. The limit on IN LENDING, Federal credit unions are permitted to charge up to 1 percent a month on the unpaid balance, including all service charges, or 12 percent a year. REPAYMENT of mobile home and home improvement loans have been extended to 15 years. Minimum Deposit Minimum $ 500 500 90 Days Time ur 2-- yrs. yrs. 6-p-lus By A. Perrault l An exhaustive survey taken recently disclosed that only of percent ) all Americans are "outstanding successful," 68 percent are "moderately successful," percent are "complete failures," achieving nothing. and 29 Here's how to guarantee failure even during times of unprecedented prosperity: Be a drifter setting goals. avoid The Wall Street Journal, faced with the complaint that high taxes make it impossible for anyone to rise from rags to riches today, made a study which disclosed there have been more new millionaires 1 starting from nothing in. the past decade than in any other i period in history. These people were all different in many ways except that they were decisive. don't it off, procrastinate put today! If you get a sudden urge to "do it now" just sit down until the mood leaves Procrastinate you. if you Be negative want to be a failure, think failure. Research conducted by Columbia University, disclosed that it is not aptitudes but attitudes that make us successful: 93 percent of our success is attitude and seven percent is skill and knowledge. : (Tirtfltrm 0 1 'A - i 1 trruyTTn . lDv!5iED Be a poor communicator be a good listener. Even a fool is considered sensible when he keeps his mouth shut, so yak up a storm and I'K - short remind yourself constantly about all of your weaknesses, Sell yourself and 'GEQ3T' past failures. . . and don't forget to tell others. Be a worry wart worry prevents our doing the very thing that would remove the worry. Don't try if at first you don't succeed, forget it! (AFPS ; - i shortcomings, c i Am remove all doubt. ,,.. t 6.75 7.4 7.75 (FNCS) a OaODFO three pet. 6.5 4 4-- 6 Maximum Dividend 6 lYear 500 1,000 1,000 Mortgage loans were extended to 30 years are limited to purchase of family dwellings where the borrower lives. one-to-fo- Page Mortgage loans will probably be available only from larger credit unions. ALSO BEGINNING this year, credit unions began providing higher dividend rates. unsecured loans was removed, permitting each credit union to set its own. Unsecured loans had to be repaid in 5 years and secured loans 10 years. Both are now extended to 12 years, and each credit union can determine any need for collateral. but HILL TOP TIMES 17. 1978 ' .... VTTJT) a fit 5 |