The Salina Journal from Salina, Kansas on November 3, 1996 · Page 21
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The Salina Journal from Salina, Kansas · Page 21

Salina, Kansas
Issue Date:
Sunday, November 3, 1996
Page 21
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SUNDAY NOVEMBERS, 1996 THE SALINA JOURNAL Money INVESTING / C2 CELLULAR PHONES / C3 CLASSIFIED / INSIDE c BRIEFLY AT THE WATERCOOLER Nurse opens health clinic for youths Pedscare Health Clinic for Children has opened at 135 E. Claflin. The clinic offers health services for people up to age 23, including physical exams and behavioral counseling. It also treats minor emergencies, including scrapes, cuts and burns. The clinic's owner, Jane Peterson, previously worked as a nurse in the pediatric department of the former St. John's Hospital. The clinic is open from 7:30 to 11:30 a.m. and 12:30 to 4:30 p.m. Monday through Friday. It is closed Wednesday afternoon. The phone number is 825-2000. Salina Engine Supply moves to North Ohio Salina Engine Supply has moved to 1334-A N. Ohio from 415 N. Ninth. The business is owned by Russell Roberg, Tod Roberg and Jeff Roberg. The shop rebuilds engines and sells automotive parts. Business hours are 8 a.m. to 5:30 p.m. Monday through Friday and 8 a.m. to noon Saturday. The phone number is 823-2273. Bedrock Tile opens in north Salina Bedrock Tile Manufacturing, a mom-and-pop stone tile manufacturing shop, has opened at 639 Bar- Qey B, between North Street and Grand Avenue in north Salina. -"The business makes and sells custom made tile for interior and exterior use in residential and commercial buildings. The owners and the company's only employees are Kirk and Mary Gariepy, 2024 Ruskin. Business hours are 9 a.m. to 5 p.m. Monday through Friday. The phone number is 823-5612. Earthcare to move landscaping store Earthcare Services is moving its landscaping & irrigation store to 1777 E. Old Highway 40 on Jan. 1. The new 6,500-square-foot building will cost $135,000. The company's owner, Jim Waters, said he is moving the store from 2850 S. Ninth to be closer to Earthcare's 48-acre tree planting field on East Old Highway 40. The business offers landscaping services, including lawn maintenance, irrigation and tree planting. PERSONALS Hertzenberg heads hospital managed care Rick Hertzenberg has been named vice president of the Salina Regional Health Center at 400 S. Santa Fe. Hertzenberg is in charge of issues concerning managed care and will supervise the hospital's relationship with insurance companies, physicians and HERTZENBERG patients. He previously worked as a manager of Independent Physician Associations in Wausau, Wis., a physician-hospital organization and managed care organization. From Staff Reports V STAYING AHEAD It's midnight in Tokyo? Modern telecommunications has made it a snap to call anywhere around the globe, any hour of the day. But AT&T says only one in four callers from this country know what time of day it is in London, and only one in 10 knows what time it is in Japan. AT&T's survey found only 27 percent of respondents know what time it is in the country they're dialing. Don't touch that Did you get a cold soon after you bought those new CDs or that lipstick? Maybe it's because 10 other shoppers before you were handling some of your purchases and left their germs all over them. Envirosell found that an average CD is handled 11 times before it's bought. Toys are also touched by 11 shoppers before they're sold. It's enough to make you order by mail. Take this job and ... Planning to start your own business? Don't give notice at your job until you've gotten lines of credit, health and other insurance, business licenses and other requirements, warns Home Office Computing magazine. It says would-be self-employers should have six months' living expenses saved and should try running the business part time before quitting. The Associated Press A woman looks at some stuffed Disney characters as a scene from the movie "The Lion King" plays in the background at the Disney store In New York City. Shopping for Fun Mixing entertainment with merchandise is one of the hottest retail strategies By JOYCE M. ROSENBERG The Associated Press In an Incredible Universe electronics store, customers-applaud as two top-hat- ted employees sing along with a karaoke video. In a Disney store, children watch "The Lion King" on an oversized screen. And in a Barnes & Noble store, book browsers plop onto couches to read. All of these shoppers are in these stores with the expectation of buying something. But they're also there because these stores are entertaining. The marriage of merchandise and entertainment is one of the biggest strategies in retailing today. It is how retailers — small stores and national chains — set themselves apart from the competition. Entertainment doesn't have to be music, videos, fashion shows or guest appearances by soap opera stars. Entertainment is anything that makes shoppers have a good time, that stimulates "My husband loves it. We've been here for an hour and 20 minutes and I haven't seen him" Marie Lefran shopper at Incredible Universe their senses or emotions — and that gets them into a store, keeps them there and encourages them to buy. Incredible Universe brings bright colors, flashing lights, videos, music and performing sales people to electronics retailing. Customers notice the difference between these stores operated by Tandy Corp. and their more sedate competitors. "Everybody has the same stuff, but you come in here, and hear the music ... you don't mind spending money here," said Mike Mullady, visiting a just- opened Incredible Universe in Elizabeth, N.J., near New York City. Another shopper, Marie Lefran, watched as her 3-year-old son Jose played with a video game. "My husband loves it," she said of the store. "We've been here for an hour and 20 minutes and I haven't seen him." Equally entertaining to other shoppers are the quiet, comfortable couches and cafes of bookstores and combination book and music retailers such as Barnes & Noble, Borders and Media Play. Or the Gershwin tunes emanating from the piano in a Nordstrom's atrium. But it is flash and glitz that catches the attention of many consumers, particularly younger ones. They're drawn to the walls of video screens in clothing stores, and theme restaurants like Hard Rock Cafe that turn eating a hamburger and fries into an experience. Disney and Warner Bros. Studio stores are inherently tied to entertainment by selling merchandise based on cartoon and movie characters. But these retailers leave nothing to chance, using videos, music and decor that looks like it could have served as a backdrop for an animated film like "Beauty and the Beast" or "Snow White." "People flock to these stores because they enjoy them," said Walter Loeb, a retailing analyst and consultant. The increased focus on entertainment in retailing is due in part to the influence of MTV and the growth of entertainment in general as a part of our lives. Equally important is that retailers have to find a way to be different. They have to give consumers a reason for coming into their stores; See STORES, Page C2 New reforms help those with incorrect credit reports JANE BRYANT QUINN The Washington Post Federal rules will make it easier to make sure your credit report is accurate NEW YORK — Memo to the thousands of people who've struggled to fix an error on their credit reports: A new set of amendments to the Fair Credit Reporting Act will take effect 11 months from now. They'll expand your rights and make it easier to enforce the rules. The credit bureaus have put many of these reforms in force. Some were adopted voluntarily. Others were instituted at gunpoint, after the states or the Federal Trade Commission accused the bureaus of violating the law. "The new amendments codify the reforms, so they're no longer optional," says Ed Mierzwinski, of the U.S. Public Interest Research Group in Washington, D.C. Rules will be clear. When they're broken, you can sue. Of the many problems the new law addresses, two stand out: Problem one: When you spot an error on your report, and complain to the credit bureau, the bureau checks back with the creditor. The creditor is supposed to investigate the problem. The "investigation," however, may be a simple check of its records. That won't help, if the records are wrong. In theory, the creditor should struggle to get its records right. But that doesn't always happen. Worse, after your credit report has been straightened out, the mistake may reappear. Under current FCRA rules, creditors aren't liable for their carelessness. Problem two: Even if you can prove you're right, the credit bureau can take the creditor's word, instead. Big bureaus accept some forms of proof from consumers. But they don't have to. Under the new law, credit bureaus large and small will have to consider your evidence. But what evidence? Norm Magnuson of the Associated Credit Bureaus in Washington, D.C., says the bureaus may accept canceled checks, proving that a debt was paid; a receipt, showing that an item was indeed returned; or a letter on the creditor's stationery, stating that you don't owe the money. Other acceptable evidence may be defined by government regulation or the courts. The new law says disputed data removed from your file can't be reinserted unless the creditor certifies that it's accurate. If disputed data does return to your record, the credit bureaus will have to notify you. Currently, you have to keep checking your credit report to be sure that bad data is kept out. In an important change, creditors in all states will, for the first time, be liable for violating the FCRA. Right now, state law makes them liable only in California and Massachusetts. You won't be able to sue your creditors for mistakes. Lawsuits will generally be possible, however, if they don't correct a mistake you've shown them or if they reinsert erroneous data in your file. Creditors will have other duties. They'll have to tell the credit bureaus if an account is in dispute and if you closed an account voluntarily. National credit bureaus will have to supply you with a toll-free 800 number backed by real people. Many questions remain. For example, what if a court judgment is recorded against you, because a crook got a credit card in your name and charged up a storm? Will the credit bureau keep that blot off your record? And what about the credit-scoring systems that decide whether you're a good credit risk? Can they score accounts that are in dispute? Some bad news: Consumers have apparently lost the national battle for one free credit report a year, from any credit bureau. Some free reports are available. You're entitled if: (1) you live in Georgia, Massachusetts, Maryland and Vermont; (2) a poor report caused you to be rejected for credit, an apartment, a job or a loan at favorable rates; (3) you have a file at Experian (formerly TRW), the only bureau that voluntarily offers free annual reports. To find out how to get the report, call Experian at 800-682-7654. The new law will also require free reports for victims of credit fraud, people on welfare and unemployed people intending to look for work within the next two months. Otherwise, your report will cost you up to about $8, and $16 if you also need one for your spouse. SUGGESTIONS? CALL MARY JO PROCHAZKA, MONEY EDITOR, AT (913) 823-6363 OR 1-800-827-6363 v

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