Decatur Daily Democrat, Volume 57, Number 160, Decatur, Adams County, 9 July 1959 — Page 6

PAGE SIX

Democracy Versus Communism Hailed Bv LYLE C. WILSON „ United Press International WASHINGTON 'UPl>— This essay 4s an unabashed plug for a text book which is being used in about 1.000 U.S. schools but which should be used ip many thousands more. The book is “Democracy Versus Communism.'* It was prepared and published by the Institute of Fiscal and Political Education. D. Van Nostrand Co.. Inc., Princeton, N.J., prints and distributes the book for the Institute. It is simply written, well within ATHLETE’S FOOT GERM HOW TO KILL IT. IN 3 DAYS. Jf not with STRONG Instant-drying T-4-L, your 4H<- back at any drug store. Watch Infected Hkin slough off. Watch healthy skin replace It. Itch and burning are gone! TODAY at Kohne Drug

Mor? . , _ Notice To A11.... I Dwelling Owners I S Effective June 16,1969 the INDIANA RATING BUREAU put info effect new insurance rates for all dwell- I I / inp. Effective Angus! 1, Insurance agents must use these new rales in writing their dwelling renewal I ■ A policies. These new rates apply only to the extended coverage endorsement of the dwelling policy. I I ® I \ ALL EXTENDED COVERAGE RATES ON DWELLINGS HAVE BEEN REDUCED. I I k A $50.00 DEDUCTIBLE APPLIES TO EACH LOSS ON EACH BUILDING. I I This means you will pay the first $60.00 of each loss covered under the Windstorm and Hail Section of I I the extended coverage-WINDSTORM, HAIL, EXPLOSION, DAMAGE BY VEHICLES AND AIRCRAFT, I I SMOKE DAMAGE EXCEPT FROM FIRE, RIOT AND CIVIL COMMOTION. I I In order Io WAIVE the $50.00 deductible clause there is a flat charge of $12.00 per policy per year, re- I I gardless of the amount of insurance in Ito policy. I I To eliminate confusion and until the public is fully aware of the meaning of these new insurance rales and I I rates, WE THE UNDERSIGNED AGENCIES will write all renewal dwelling policies on the following basis: I I 1. All renewal dwelling policies will be written on a FULL COVERAGE BASIS—NO DEDUCTIBLE. I I 2. The mandatory charge per policy will bo made. I I 3. Any policyholder desiring a policy on a $50.00 deductible basis should call his agent. I I He will make the change immediately and reduce the policy charge. ■ IED F. BERLING INSURANCE AGENCY LELAND SMITH INSURANCE AGENCY I Room 4, 133 W. MADISON ST. PHONE 3-2354 FIRST & MONROE STS. PHONE 3-3111 I BURKE INSURANCE SERVICE THE SUTTLES CO. I 239 N. 11th ST. PHONE 3-3050 155 S. SECOND ST. PHONE 3-3605 I DECATUR INSURANCE AGENCY MELVIN H. TINKHAM INSURANCE AGENCY I' \ WWIPP RtHIDING PHONE 3-4106 HOMESTEAD 40 PHONE 3-4611 I L A. COWENS & SON, INSURANCE I 209 COURT ST. PHONE 3-3601 ■ j H■, ■ M i ■ 1

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.the comprehension of high school freshmen or. even, eighth grade ' students. This book is recommended reading for interested i adults, however, because it ex-' plains effectively what are the! great basic differences between Democracy and Communism. Too many adults, interested or not. are not sufficiently aware of these differences as to be able to explain to themselves or to other# what these differences are. It would be good for the United States if all citizens would obtain and read this book. If you think you are a superior type who understands and can simply explain the basic differences between Communism and Democracy, then, friend, pause ' right here and have a go at it. 'lf you are unable to state at [least some of these basic differjences simply, quickly and easily, then you owe it to yourself and to your fellow citizens to buy this book and to read it. Vice President Richard M. Nix- . on is a knowledgeable fellow 1 1 about Communism. He could do;

worse, however, than to get a cop of the Institute's book for airplane reading when he flies this month to Moscow. Perhaps John Marshall, who is president of the ! Institute, will send a copy to the vice for free. If so, Marshall might also send one to the White House. President Eisenhower flunked his biggest test on the difference between Communism and Democracy. Ike was frank enough to make a public confession. He told a news conference In 1957 that he and Soviet Marshal Zhukov had “many long discussions about our respective doctrines." “I was very hard put to it,” Ike confessed, “when Zhukov insisted that their system appealed to the idealistic, and we completely to the materialistic, and I had a very tough time trying to defend our position.” A student in any at the 1,000 schools where the Institute's book is being used as a text would have represented the United States better than Eisenhower in [those talks with Zhukov. Students lin the multi-thousands of schools

DECATUR DAILY DEMOCRAT, DECATUR, INDIANA

in which the book is not used, however, probably would be no better informed on this subject than Eisenhower, which is faint praise, indeed. The President has some ideas on the subject and they are good ones. For example, he said in 1956: i “Competition for men's minds begins when they are students. , This is when they must be taught to discriminate between truth and falsehood. Specifically they must be taught to discriminate between the American form of government and the Soviet form.” That is exactly what “Democracy Versus Communism” seeks to teach. Fatally Injured In Collision Wednesday INDIANAPOLIS (UPD-Royal-ton Minnix, 40, Indianapolis, who was pinned under the wheels of a truck for nearly an hour, died at General Hospital here Wednesday. Minnix was injured fatally in the crash of the truck and his t station wagon Tuesday.

Two Men Killed In Lodge Shooting Fray GARY, Ind. (UPD—A shooting fray at a lodge hall Wednesday : night killed two men. Primitive Velasco, Gary bartender died in Methodist Hospital shortly before midnight while undergoing surgery for bullet wounds sustained while apparently trying to break up a fight at the MexiIgnacio Tamayo, Gary, also was can Mutual Society Building, shot and killed. Police were searching for a third man suspected of the slayings. They said the suspect left a hat and a revolver when he fled th building. Authorities said the shootings occurred when Velasco tried to break up a fight between Tamayo and the suspect. Trade lx a good town — Decatur.

Articles Info. Os Services (Editor’s note: This is another in a series of articles presented as a public service by the Adams county bar asociation. These articles are not intended to answer individual problems which require specific advice.) , Buying On Time Most of us, when we purchase an item of considerable cost, such as a'home appliance, furniture or a car, do not pay the full price at once, but instead arrange with the seller for periodic installment payments. When we do this, we must take care that we understand the full import of the agreement into which we enter with the seller, and the possible legal consequences of our failure to make each payment as it falls due. Once the signatures are written on the contract, legal rights and duties become fixed, and usually each party is bound by what he has signed, even though he does not read or understand the contract. Henry Hairbrain’s Case In Indiana, many items of personal property are sold under “conditional sale contracts” with promissory notes attached. Assume that Henry Hairbrain purchases an automobile for $2,000, pays SSOO cash as a down payment, and signs a contract of conditional sale for $1,500 balance. He also signs notes promising to pay the balance in monthly installments of SIOO plus finance charges. Although Henry takes immediate possession of the car, the seller retains ownership until all payments are made. Should Henry fail to make a payment, the seller has the right to take the car back from Henry, and Henry forfeits the payments be has made. So, if Henry has made payments totalling S3OO in addition to his SSOO cash down payment, and then defaults by failing to pay the next SIOO installment, the seller may immediately repossess the car. If the seller then resells the car for SI,OOO, so that he has the SI,OOO resale price and S3OO from Henry, he may charge Henry for the s2oo' difference ($2,000 price less SIBOO received) plus expenses incurred in re-taking and reselling the car. Contact Seller Henry should have contacted the seller immediately upon finding that he would be unable to make the payment, and explained his problem. As a strict legal matter, accident or sickness would not relieve Henry from the obligation to make his periodic payments. But normally, if Henry were honestly attempting to meet his payments, he could make some arrangement with the seller to avoid forfeiting the money he had already paid. Suppose that the reason Henry stopped paying was that be discovered defects in the car, and Henry realized that the seller had grossly misrepresented its condition to him. In this event the law protects Henry as against the seller. However, if a finance company or bank had purchased Henry’s notes from the seller—as often happens—then though Henry may have legal recourse against the auto dealer, he would be bound to pay the notes to the finance company or bank despite the defects in the car. Cheek Carrying Charges When you purchase an item by installment payments, do you always check the amount of finance or carrying charges you are paying? The prudent buyer will always inquire of the seller or personally compute the difference between the price if cash is paid in full, and the price if payments are made by installments. You may be surprised at the amount of the carrying charge and you may well find it less expensive to borrow the money from a bank or credit union, and pay cash to the seller. When Henry purchased the' car, the seller, to be certain that the car is protected in the event he has to repossess the car from Henry, required him to take out a firetheft and a SSO deductible collision insurance policy on the car. Henry did not stop to think that this insurance gives him no protection agains damage that he causes with the car to other persons or their property. Therefore he is in danger of liability for damages, and he has no liability and property damage insurance. Under Indiana law, he could lose his driver’s license if he is involved in an accident and has no such insurance and cannot post adequate security if required to do 80. Henry May Involve Otten Henry may implicate others by his careless action in signing a contract he did not understand. If Henry obtains a co-signer, the latter is immediately liable' upon Henry's default, to the same extent as Henry, and both are subject to having judgment entered against them and their wages or bank account garnished, or other property levied against, to satisfy the unpaid balance. ' Take Care Before Signing ‘ Many of the problems' which accompany buying “on time” would be disspelled if buyers would simply read carefully each document presented to them before they sign it Be sure all blank spaces are inked in or filled out. Check and verity the document, making certain that names, (vices, dates and conditions are correct. Ask ques-l tions before you sign, and do not sign your name until you are satis-1 fied that you know and agree te

rm Public Os Lawyw what you are signing. If you still are uncertain as to the meaning of the document seek competent legal advice. This is less troublesome than trying to get out of a bad situation after action has been irrevocably taken and he contract is signed. Don't be a Henry Hairbrain! August 27 Deadline On College Courses August 27 has been established as decision date for three collegelevel courses proposed for Decatur, during next fall. The courses to be offered by the extended services of Ball State Teachers College will include social problems, recent economic and social changes, and tests and measurements. The course will be open to teachers and interested adults seeking advanced college study. The social problems and recent economic and social changes courses are scheduled to begin Thursday evening, Sept. 10. Information about the courses may be obtained from Decatur school officials or from the office of extended services at Ball State in Muncie. Ball State must have at least 16 approved registrations on file by the decision date of August 27. If an insufficient number of registrants are signed up the course cannot be offered. All arrangements for participating in the course may be made by mail. Beginning Tuesday, Feb. 23, two additional courses are tentatively in the offering for Decatur. They include the teaching of language arts in the upper elementary grades and a workshop in language arts. Chinese Reds Fail In Hijack Attempt HONG KONG (UPD—A Chinese Communist gunboat tried to hijack a Portuguese police launch inside Macau waters today but was driven off. Hie gunboat was chasing a sampan in which two Chinese were fleeing from the Communist mainland to the Portuguese enclave of Macao. The police launch intervened and picked up the refugees. The gunboat roared alongside and a crewman threatened to throw a hand grenade unless the refugees were surrendered. The police demanded that the gunboat get out of the area since it was well within Macoa waters. Die gunboat began to pull away, then turned quickly and rammed the launch amidships. The Chinese made a line fast to the launch and began towing it toward Communist waters but the Portuguese cut the line. At that moment another Portuguese police launch arrived and the gunboat fled. It was the most serious incident in a series of Chinese Communist intrusions in Macao waters in recent months during which a flood of farmers and fisherman have fled Kwangtung Province for sanctuary in Macao.

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THURSDAY, JULY 9, 1959

Stale Flood Control Projects Approved WASHINGTON (UPD — The Senate Appropriations Committee approved all flood control projects but one recommended for Indiana, Sen. Vance Hartke said today. Projects which received committee approval were Cannelton locks and dam, $150,000; Clinton levee. $5,000 planning 1 ; Evansville floodwall. $430,000 construction; Huntington reservoir, $25,000 planning; Wabash River levee 5, $25,000 advance planning; Mansfield Reservoir, $1,663,000 construction; Niblack levee, $54,000 planning; Mississinewa Reservoir, $150,000 planning; Monroe Reservoir, $75,000 planning plus authorization for engineers to use $25,000 in state funds already appropriated; Sala- ' monie Reservoir, $150,000 plan- ' ning; Sugar Creek hevee, $15,000 planning; Terre Haute - Conover : levee, $2,000 restudy; Vincennes [ floodwall, $200,000 construction, and West Terre Haute levee, $30,- . 000 planning. Sufficient funds were allowed for harbor studies so Army Engineers i could undertake a study of the t Michigan City harbor, the Hoosier i Democrat said. “Indiana ranks fifth in flood > damage,” Hartke said, “13th in • contributions to the federal treasl ury and 25th among the states in receiving flood Control aid.” i r ■ Harriman Returns I ; Home From Russia ! NEW YORK (UPD — Averell , Harriman said today he hopes a , summit conference will be held in ’ the United States so that Russian Premier Nikita S. Khrushchev can ’ see this* country for himself. Harriman, arrived home at 2:33 a.m. e.d.t. from a Russian visit and an interview with a toughtalking Khrushchev. He said he would go to Washington Friday to report on the meeting to Secretary of State Christian A. Herter and Vice President Richard M. Nixon. » : Harriman said he thought that j “no one makes an accurate re- ■ port to Khrushchev on the United States and in any case, “you • cannot learn about the United ; States through- someone else’s - eyes.” f He told newsmen who met him ■ at Idlewild Airport that he be- ’ lieves a summit conference is nec- " essary because Khrushchev “is 1 calling the signals tor foreign pol- ‘ icy.” "Whenever there r>re loaded : weapons there are dangers,” Har- • riman said. “The situation is dan- . gerous, and therefore I think , Khrushchev should be informed i face to face of our position.” , Harrlpian said he was glad Nix- ? on is going to Moscow and “I , hope he will have some influj ence.” ‘ The former New York governor ■ and wartime ambassador to Rusc sia said in London Wednesday night that he was of the opinion t that Khrushchev “Whnts to come t to the United States and come - face to face with the Western 1 ! “There is no better place than - New York to hold any meeting,” he said.