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Show PV' Charge By SIDNEY MARGOLIUS Womens News Service member, sponsors . est credit bureaus. It espe-- c i a 1 1 Subsequently credit bureaus were flooded with notices of overdue payments. Apparently the plastic-cred' promoters didnt make equally clear that you also must pay to observe the large of accounts to it , delinquent related Some of the harder-sel- l promoters said you could buy everything with these cards, and many recipients did exactly that. y revealing number retail of plans had mailed out millions of unsolicited cards. Some families received as many as 15. larg- was for everything, Mr. Margolius retail credit re-- including the additional credit fees (usually 18 per cent a year in most states). What really caused this cards. For a while, you may to give credit for such small items except perhaps on an basis when they informal know the customer and are able to control the amount of credit.. credit-car- d NEW YORK Recently I had a chance to inspect the .operations of one of the coun- trys Americans, And The It," , It makes even less sense for consumers to buy on credit Wednesday, January 31, 1973 small items which they usually the National Commission on Consumer Finance found in a problem was that the large national banks and other sponsors of the community-wid- e credit cards were inexperienced in regulationg this kind of credit. survey. the banks signed up every type of retailer from clothing stores to beauty parBanks are more experienced for the charge-accouin making relatively large' lors For a while everybody cards. loans for cars and other hard did a large office business sell-- ; to and tend goods, they rely even neckties, lipsticks on their right to repossess 'ing waves on cred- and permanent when such collateral they' cards. charge have collection problems, as But Then came the hangover as charge offs (the loss ratio) for charge cards increased 30 and 33 percent in successive years in the early 1970's. necktie. It does not make economic-isense for banks and retailers can afford to buy for cash. Among other reasons, cash buying avoids interest charge : es. too, must charge more if they do a large volume of business on credit cards since they must pay the plan operators from 2 to 7 percent for participating in the Bills Pile Numerous small credit pur in ed cards have stopped fact, some such mailings now are banned. Now all .that, remains is for the remaining overload debtors to clean up their balances as best they The reason cited was lack of intention to repay just debts, according to Ruth Holstein of the Com- manager of the Credit Bureau of Greater New York, advises The ingenuity of American cooks and the great flavor combinations from South of the border, combine to make salads. some good main-dis- mission staff. While invitations to apply for .credit cards still arrive in the mail, the mailings of unsolicit Hot Stuff! gar, powdered cumin, a pinch of cinnamon and a few drops of red pepper sauce. ALETHA BARRS .SOUTHWEST SALAD large head lettuce, shred- h Winter salads, they might be called, for theyre hearty and high in protein. Aletha Barrs Southwest Salad is an instant success, flacombining the never-fai- l vors of Cheddar cheese, chili beans, chopped onion, shredded lettuce and corn chips. Toss with a special French dressing. Picador Salad, which is served hot and hearty, uses ground beef and Cheddar cheese as the prime ingredients, along with shredded le- ttuce, French dressing, chopped green onions, and plenty of chili powder. Serve with crisp tortillas. Hearty servings of these two salads provide almost a full days quota of protein. Iceberg Bowl, Mexicali, has its own special virtue that t. and of being By combining chicken, vitamin-C-ric- h oranges, and alicemost totally calorie-fre- e mini-ca- l a berg lettuce, youve of great salad luncheon appeal. The Mexican flavor comes from the zestv combination of 1 ded pound longhorn cheddar cheese, coarsely grated 2 1 No. can ranch-styl- e beans (chili beans without 1 meat) cup chopped onion Toss lettuce, together cheese, beans, onion and French dressing. Just before serving toss in com chips. Makes 4 to 6 servings. PICADOR WINTER SALAD 1 pound lean ground beef cup chopped onion 2 Tfi high-qualit- y cups drained kidney beans cup bottled French dressing cup water i let- tuce cup sliced green onions (2 cups) sharp cheddar cheese, shredded pound Crisp tortillas Brown ground beef in skillet. Add i4 cup chopped onion ecc sp rapidly increasing epidemic, skyrocketi- ng, 1 1,4 etc. seems This e visiting your local credit bureau and show that the prob-- . lem has been corrected; for example, that your earnings have improved or become sta-- 1 4 See EASIER On Page Why, in this day of medical miracles, is the disease a vine- grow- OCH. ing problem? DEAR 0.: An excellent question, and I must frankly confess that our efforts to teaspoon powdered cumin seed In my own practice, penicillin treatment is automatic whenever a girl is suspected of promiscuity and there is reasonable indication of infection. Only two injections are required for women; only one for men. The new antibiotic, hydrochloride, spectinomycin is even more effective than control gonorrhea are an . penicillin. abysmal failure. cases Bleak though the situation During 1971, reported in the United States vaulted to is, we are not giving up. This e an high of 650,000. It year the federal government is estimated, moreover, that released 16 million dollars to only one in every four or five fight venereal disease. Hopecases is reported. This means fully through increased laborathat some two million, people tories, free clinics, and easily are contracting gonorrhea available treatment (without every year in our nation. parental knowledge) we can At one time we had reason stem the rising tide of venereto hope penicillin would wipe al disease, Americas modern out this scourge almost entire plague. teaspoon cinnamon 116 teaspoon white pepper 3 drops tabasco pepper sauce strips Core, rinse and thoroughly drain lettuce, chill in disposable plastic bag or lettuce crisp-it- . Pare and slice oranges; cut slices in half, chill. Combine then all remaining ingredients except chicken and blend well. When ready to serve, cut lettuce into chunks to meas- - ly. As success increased, however, vigilance decreased. Although gonorrhea was once transmitted primarily by prostitutes, they now account for no more than five percent of that disease. now is Most gonorrhea spread by young people, many under 20. These younger individuals, in most cases, have not been trained to fear its consequences. mighty strange. or cubes tablespoon chili powder 4 cups shredded iceberg i 1 2 cups cooked chicken 1 low-cos- ing in each case, that it is 3 tablespoons 2 indicat- rhea, cup orange juice com oil tablespoons red wine gar teaspoon sugar teaspoon salt : long-tim- it Is Still By LINDSAY R. CURTIS, M.D. DEAR DR. CURTIS: You several commented have times on the dangers of gonor- 1' z. - Severa, Rudy On The Upswing and cook until tender; drain. Stir in beans, French dressing, water and chili powder; simmer for 15 minutes. Combine lettuce and green onions. Add beef mixture and cups cheese. Toss lightly and season, if necessary. Sprinkle with remaining cheese. Serve' with crisp tortillas. (Or toss in com chips, if desired.) Makes 4 to 6 servings. ICEBERG BOWL, MEXICALI 1 head iceberg lettuce 2 oranges package com chips Catalina Krafts cup French Dressing 1 How do you straighten out your credit record if you have become overloaded, whether through a credit card or any of many other easy ways to get into debt? least-frequent- VD seasonings in the dressing: orange juice, corn oil, wine vine- By WINNIFRED JARDINE Deseret News Food Editor can. overextension unemployment, of credit and illness. FOR THESE COLD WINTER DAYS Salads Up chases also make it harder for consumers to control how much debt they incur. Most consumers are not dead beats. But sometimes they are not realistic. The National Commission on Consumer Finance found that banks and finance companies themselves reported that the main factors in nonpayment were, in order of importance, Stores, program. "H.ytf1 Aletha Barr's favorite "winter salad" combines cheddar cheese, chili beans, lettuce and corn chips. 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