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NOVEMBER 6.1969 meet out of your income, well' and good. But if you | accept credit terms with excessive interest charges, hidden service charges and other extras, too many "easy credit terms" purchases can empty your pocket a lot quicker than you can fill them, Remember, the ancient slogan, "caviat emptor" which means "buyer You may wonder how to know when you are being charged a reasonable rate for credit. As a matter of fact, very few consumers do know. Comparatively few people. know how to compute interest rates or how to find out just how much of their monthly pay- ments is for interest and how much of their monthly payments is going towards reducing the debt. One method of figuring the true annual interest rate on a credit purchase has been embodied into a formula in the 1966 truth-in-lending law of the sfute of Massachusetts. This formula may be used to help you find out just what you will be paying in interest and to find the best buy as far as credit is concerned. It only takes a moment once you are familiar with For a free mimeographed leaflet titled "Credit ' Costs Money" write: Eric Luxton, Consumers' Asso- ciation of Canada, 100 Gloucester St., Ottawa 4 Office"236-2383 - Home: 224-6015. SCHREIBER DETACHMENT O.P.P. PRESS RELEASE Investigations over the past week included - one Break and Enter reported, and is still under investi- gation; one occurrence was investigated regarding the discharging of a firearm which caused slight injury to one person; two subjects were charged and arrested under the Liquor Control Act, for being "Drunk"; an investigation is being conducted regard- ing Wilful Damage to a valuable musical instrument at the Town Hall; two subjects have been charged under the Liquor Control Act, for taking two pints of beer out of one of the local beverage rooms. On the Traffic Scene, there were two motor veh- icle collisions which resulted in property damage. valued at approximately $1575.00. There was one charge laid under the Highway Traffic Act and eight warnings were issued for minor infractions and defective equipment. Total Duty Hours amounted to 200 with 2,053 iles pat in Hi d oth ds . m TERRACE BA Consumers' News and Views = cont'd from page 14... beware", applies particularly well to credit purchases the formula and it may help you make a wise decision THE DEPARTMENT OF AGRICULTURE REPORT THAT PAGE _15 TODAY'S CHILD. BY HELEN ALLEN Toronto Telegram Syndicate Eric's mod haircut makes him look older than his 13 months. This is a fine-boned, wiry boy of English, Scottish and Dutch ancestry. He has blue eyes, light brown hair, medium complexion and an engaging dimple in his right cheek. In good health, he is an active, bouncy child who likes to be on the go. He is walking and keeps busy exploring everything he can reach. He isn't talking, but obviously understands much of what is said to him. Eric loves animals, having no fear of even the biggest dog. He likes people too, though he takes a little time to be comfortable with strangers. He needs a warm, secure home with parents who are happy to welcome him on his own merits without concern for background information. To 'inquire about adopting Eric please write to Today's Child, Department of Social and Family Services, Parliament Buildings, Toronto 182. For general information on adoption ask your Children's Aid Society. Unchecked chronic respiratory disease could result in loss of revenue to poultrymen. Canada Agricul=- ture scientists at Brandon, Man., have found that CRD is responsible for the small: egg-big yolk pro- blem in some Manitoba poultry flocks . 'The disease had injured the oviduct in some of the birds and this damage © seriously interfered with:the normal secretion of white, or albumen.