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DOCTOR OF OPTOMETRY
707 SOUTH TEXAS AVE-SUITE 101D
COLLEGE STATION, TEXAS 77840
1 block South of Texas & University Dr.
NOW
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2501 Texas Ave. S.
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696-5555
1904 S. Texas Ave.
Bryan
779-0094
Page 4AThe Battalion/Wednesday, October 15,1986
Brochure gives tips for credit users
By Susan Arriaga
Reporter
This year, 83 percent of college
graduates joined the 90 million con
sumers who “don’t leave home with
out them” — their credit cards.
But cardholders can get into trou
ble with their credit, so two profes
sional organizations issued a bro
chure to give advice to credit-using
consumers on how to select and pro
tect credit cards.
The brochure, published by the
American Institute of Certified Pub
lic Accountants and the United
States Office of Consumer Affairs,
warns consumers to be aware of hid
den finance charges.
Some cards offer “no fee” or low
interest, but they start charging in
terest the day an item is purchased.
“Shop around for the lowest inter
est rates,” says Luci de Haan, public-
relations assistant coordinator for
the AICPA, a national professional
organization.
De Haan says interest rates can
fluctuate anywhere from 12 percent
to 19 percent, depending on the
bank.
Students are encouraged to shop
not only locally but out of state as
well.
Jerry Walsh, manager of media
relations for the AICPA, says many
people don’t know that an out-of-
state credit card is as good as an in
state credit card.
“Not all banks accept out-of-state
applications, but many of them do,”
’O,
'H;
A/s
Photo illustration by Anthony S. Casper
Walsh says. “Arkansas is one state
that does, and some of their banks’
interest rates are as low as 12 per
cent.”
One popular card that does not
impose an interest rate is the Ameri
can Express card. But cardholders
must pay the full balance at the end
of each month, plus a $45 annual
fee.
The AICPA and USOCA warn
consumers to be wary of credit cards
that don’t charge an annual fee be
cause they usually impose a trans
action fee each time the card is used.
Both organizations also suggest
that if the consumer wants to pay the
hill in lull, some Financial institutions
offer interest-free grace periods — a
period of time after a purchase,
usually 25 to 30 days, before a Fi
nance charge is imposed.
With a grace period of 25 days,
die consumer is actually getting a
free loan when bills are paid in full
each month, the brochure explains.
Other hints provided by the
AICPA and USOCA include the fol
lowing:
• People with bad credit histories
should look for a savings
that will issue a card if a savins
count is opened with them.fr
will he determined by the am
deposited.
• Department stores a
companies are among the bestp;
to obtain first credit cards. ((
credit history can be establish
pa\ ing these bills on time,
• Travel and entertainment!!
usually charge higher annual;
than most other credit cards,
• It is illegal for anyone tot
an unsolicited credit card!
mail. Feel free to destroy!
these cards.
• Report any lost or stolen
cards immediately. Most card®
have toll-free telephone nuiia
for this purpose.
• Always tear up carbons
signing credit card receipts,
Dan Bogart, arbitration ad®
tratoi at the Better BusinessBij
in Brazos Valley, says thaicai!
from receipts are among theeij
wav s for someone to steal anacj
number f or fraudulent purpose
With this ‘ 'plastic" popular!
brochure states, credit card
and fraud mav reac h SI.13b!
1990.
“One of the latest scams is
one calling and saying thai
just won a prize, and they need
credit card number to verift
ihev’re sending it to the rigb
son,” Bogart says.
Low-scoring schools
to get TEA assistance
Police Beat
AUSTIN (AP) — The Texas Edu
cation Agency is offering a helping
hand to 27 elementary schools that
have the lowest achievement aver
ages in student learning.
The schools scored in the bottom
5 percent of the Texas Education
Assessment of Minimum Skills test
qualify for assistance.
“This is going to be a radical de
parture lor the state,” said State Ed
ucation Commissioner William
Kirby in a meeting Monday with dis
trict officials from the 27 schools.
He said the schools were chosen
from the 210 schools visited this year
by state accreditation monitors.
Kirby said rather than telling the
school districts how to improve
achievement, the state will outline
options for the schools, and local of-
Ficials will address the problem.
He said the new program is not
intended “to point the finger at low-
achieving districts and then dictate a
laundry list of changes to them.”
“Our aim is helping the students,”
Kirby said.
T he TEA will provide low-achiev
ing schools with research on effec
tive schools and provide technical as
sistance to help them in developing
and carrying out programs, Kirby
said.
However, schools that fail to im
prove student learning could lace
penalties such as loss of state aid and
the loss of local control, Kirby said.
Schools in the low-achievement
project include Asherton Elemen
tary, Brookeland Elementary, Dallas
Bowie, Dallas Carr, Dallas City Park,
Dallas Dunbar, Dallas Hogg, Dallas
Reagan, Dallas Roberts, Hildalgo
Kelly, Houston Catham, Houston
Eighth Avenue, Houston Pilgrim,
Houston Reynolds, Houston Rhoads
and Houston Shearn.
Also in the program are Kaufman
Lucille Nash, Kendleton Powell
Point, Melissa Ridge, Rio Grande
City Grulla, Rio Grande City Ring-
gold, Rio Grande City North Gram
mar, Rio Grande City La Union,
Roma Intermediate, Roma Scott,
Santa Maria and Valiev View.
The following were reported
to the University Police Depart
ment through Monday:
CRIMINAL MISCHIEF:
• An officer reported that
while he was writing a ticket,
some students were leaning out
of their dormitory room windows
yelling derogatory remarks and
harassing him. He said that as he
began driving away, a water bal
loon hit his patrol car. The officer
said the water balloon was thrown
from where the students were,
but when questioned, the stu
dents said they hadn’t thrown it.
ASSAULT/CRIM1NAL M1S-
CH1EF/CR1MINAL TRESPASS:
• A woman reported that after
she refused to let a man into her
apartment, he climbed onto her
balcony and broke in her balcony
door. The woman said the man
forced her into the bathroom, be
gan choking her and told her he
would come into her apartment
whenever he wanted.
She said the man then broke
several glasses in the kitchen,
ripped the phone cord out of the
wall and left. The police report
said the matter was turnedi
to the* Department of Studeni
fairs.
CRIMINAL MISCHIEF:
• An officer found a Um
sitv maintenance scooter ti
from the Physical Plant lyiiif
the First floor of a dorm. Ai
dent of the dorm said the sox
had been pushed into the 1«
mg bv live men and one me
The resident said that after
group got the scooter into
building, the woman hadhet
ture taken with it as she held;
I c \.is fecit hand sign.
FLEEING FROM \ Pi
OFFICER:
• An officer reported seen
man driving his motorevde
large mall area on campus
signaled him to pull over.Hit
ficer said that when the mat
the patrol car, he took off, r;
ning .i red light at HoustonSttt
and University Drive.Theoffsi
chased the man until the man:
control of his motorevde!
crashed. 1 he man was arres
and jailed at the Brazos Coui
Sheriffs Office.
White to choose supercollider commission
AUSTIN (AP) — Gov. Mark White’s office
says a statewide group will be named shortly to
propose a site for the multimillion-dollar super
conducting supercollider that Texas hopes to
get.
Amarillo attorney Jerome Johnson was named
to the nine-member Texas National Research
Laboratory Commission on June 25. Dwayne
Holman, White’s appointments secretary, said
Monday the other eight will be named within the
next 10 clays.
“The governor has information on about 14
people on his desk, and he will pick the eight
from them,” Holman said Monday.
The commission, which was created by the
1985 Legislature, would consist of Texas resi
dents, including two nationally recognized scien
tists and not more than three college faculty
members or administrators. Commission mem
bers would get no salary.
The chairman, vice chairman and secretary
would be appointed by the governor. The com
mission will automatically disband Jan. 1, 1991,
unless its tenure is extended by the Legislature.
A special committee of the West Texas Cham
ber of Commerce picked a proposed site for the
research facility, near Garden City, some time
ago. Several other states also are bidding for the
research facility.
Ralph McLaughlin of Big Spring, chairman of
the special committee, said the committee will be
glad to work with the commission if one is
named. McLaughlin said Big Spring, San An
gelo, Midland and Odessa have spent about
$168,000 for a survey of Garden City, which is
near all the cities.
McLaughlin said Monday that geological, seis-
mographic and topographical studies stas
Garden City is the most economical site
project.
On Monday, former Gov. Bill Clemeffi
publican candidate for governor, said If
handling of appointments to thecommiss:
one of several "wrong signals" WhitehasK
the Texas business community.
The superconducting supercollider |
proposal is pending in the US. Departs:
Energv, w hich has not yet made a budgets
to the White House or Congress.
“Even if it is in the fiscal 1988 federall»
we are at least a year away from fundin?,
Meg Wilson, a member of the economic:
oprnent division of the governor’s office.
The highly complicated researchfaciv
be built around a large circular trackwitt)
ing subatomic particles, McLaughlinsai
Aaggie
3
INEMA/
3
SCHUlMANTHtffl
The hit play by Rodgers and Hammerstein
2.50 ADMISSION
1. Any Show Before 3 PM
2. Tuesday - All Seals
3. Mon-Wed - Local Studerls*
Current ID s
Thurs. - KORA OveOONitt
■DENOTES DOLBYSP
226 Southwest Pkwy
•CROCODILE DUNDEE*
_
EXTREMITIES
Manor East Mall
mimm
RUTHLESS PEOPLE i
STAMP BY MEn
TOUGH GUYSn
tatlD/V io/i?r
7:30 pm
W/ ID
Rudder theater
2002 E. 29th
LINKr
FLIGHT OF THE
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