The Chillicothe Constitution-Tribune from Chillicothe, Missouri • Page 18

YOUR POCKETBOOK Shopping for Money Pays When Traveling Abroad LAST MONTH-IN HISTORY By FAYE HENTF, money-wise If you arr planning to travel to ft foreign land. Pick countries where living nnd transportation costs arc chrapeM. Travel experts for the American Banker's Association report Austria, Spain. Portugal, Greece, Tic- land and Holland offer travel bargains. In some Instances buyine for-' currencies in the U.

ran he a although this is no loncer at true as it was before the French franc was devalued last December. Today, there is practically no saving In the franc or English pound, but you can save 15 per rent on Spanish peseta? and pounds, 33 per cent on Turkish pounds. Rates can chance almost ever night so check with your local bank for the current best money buys before you leave. A good way to save money is Wot to lose it, so unless it is a saving to bur foreign currency in the United States, carry traveler's Cheeks or a letter of credit instead a lot of cash. In contrast to your personal haul: check, traveler's checks are accepted as money in almost any port Cf the world.

If traveler's checks are lost or stolen they cannot be cashed. You simply report the loss and get your money buck. You can buy traveler's checks at almost any bank, the usual cost Is about $1 for every S100 in checks. These are Issued in varying denominations, At the time that you buy your traveler's checks, you sipn your name at the top. Your signature at the bottom at the time that, you to to cash the check is nil the identification you need.

These checks are good until used. They can be redeemed for their full Talue if you don't spend all of them. A letter of credit is an excellent way to carry a cash reserve should you decide on a sudden large purchase or run out of traveler's checks. You can buy a letter of credit at any bank by paying for the full amount plus a service one-half of one per rent of the letter's rash value The bank then issues the lettei punrmitrcinR your credit up to thr amount you purchase. Tn contrast to trafficr's checks, a letter of crfdlt Is (food only for a specified period.

Your bank will! ftivr you a list of foreign banks "here you can draw money against the- letter and Identify you by px- hibltlnE your signature on fhf folder of (his list of hanks. Vou need not withdraw the full amount specified on the letter of credit at onr time. Should you lose your letter of credit, you can stop payment at any of the banks that would have rendered you cash and a duplicate letter will be issued. Letters of credit cannot be cashed at hotels, theaters, restaurants or stores. You should know about, bank transfers in the event you -suddenly Iliul yourseif stranded without money.

You can go to any bank in the city in which you happen to be-preferably a bank office or correspondent of the bank in which you have your savings account back home and apply for a transfer of funds, You can request any sum up to the amount of your savings, less the cost of transfer. The usual amount of time that It takes your home bank to transfer money, I'm told, is 48 hours. For those who prefer on-lhc-cuff living, the host of recent credit cards available often can be used for transportation charges, hotel accommodations, car rentals and In some restaurants and shops. Take along currency guide to help you figure how much of a foreign currency is equal to your dollar and to help guide you when you tip. If you plan to see Europe by car, figure it will cost around $50 a week to rent one.

Thus for trips of longer than four weeks, buying and reselling the car can be cheaper. Either deal can be arranged in the U. S. First, state legislature of Arkansas assembled Sept. 12, 1836.

Why Gamble? Yes, why gamble when there's no chance of winning? That's the kind of gambling you're involved in when you drive your car beyond the recommended period without having the oil changed. Although you may use the very best motor oil, such as Phillips 66 there comes a time when the accumulation of impurities in the oil reduces its efficiency. That's why lubrication experts say: the bestmotor protection is to use the best motor oil, and change it every 1,000 miles under average around-town driving conditions. Be sure to let your Phillips 66 Dealer change oil for you on schedule. trademark DISTRIBUTED BY HOOVER OIL CO.

CHILLICOTHE, MO. Congrtii to Howori SOHi ttatt; draft it for four yean. to U.S., ond Frtnch rtquttt for foreign ministen' mntina in Gtntra, May 11. Iraqi ormy unirt against Kasstm government; pat down in bloody fighting. Iraq formally withdraws from Baghdad Pact TV Fnt.

pledget olfiet will not fonake Berlin. Four sailonlotf 01 tanker and luxury liner collide off Atlantic City. Prei. Eisenhower and Minister Mocmillon at Camp David, agree on Summit parity for lummtr. U.S.

launches Pioneer IV at Moon; by 38,000 miles and goes into orbit around sun. reports open warfare between Tibet and China. U.S. reveals three atom blasts in space claims revolt is crushed; abolishes rule of Dolai Lama, who is reported fled to guerillas. lost fall (Project Argus) created artificial ba icial band of radiation around eorth.

PUBLIC SALE north of Chillicothe on Highway 65 at the E. H. Anderwn FRIDAY, APRIL 24 1 p.m. POSTPONED FROM APRIL 20 9 rd tractor 1956 model; 1949 Ford trac- hf i Fer uson low Ferguson disc; J. D.

corn planter, Ford hitch; rotary hoe; J. D. drill; Ford rake; Ford blade- weed fl fian cultl ator Dreader; Ford mower, 1957; New Hoi- Serf 0 6 wlth riri UIp MElVT-Bay saddle mare, 2 spotted ponies saddle, 3 pony saddles, heavy stack -saddle, £)ny cart and Mahogany dining room suite. 6 chairs, table buffet Kef 2 twtfe dsm a a RCA combl a radio and' record ptsyer 4 twin oeds and mattresses; mahogany 4-noster hprf anri Terms Cash Not responsible for accidents E. H.

ANDERSON Hugh Campbell, Auct, chas. Gallatin, Clerk Bike Riders Are Usually at Fault in Accidents bike riders In accidents with motor vrhirlr.s arc violating traffic hr.vs. "In four out of five arridrnis, the bicycle rider violating law," the National Safety Council asserts The fnct was one of many obtained from a Council study of the cir- ciinistancL'w of ficddent.s in the United States. Forty-two states took part in rho. fjf.udy, nnd provided this information: 1.

Between 400-500 bike riders are killed eneh year in accidents with motor vehicles. More than bike riders suiter disabling injuries. 2. More thnn eight, out of 10 victims are under Ifi years of ORC. 3.

Nearly nine out, of l(l are males. When do bike accidents happen? 1. Seven out of 10 occur during April-September. 2. Seven out of 10 occur during daylight hours.

3. They occur most, often on Saturday, least often on Sunday. Strangely enough, the Council pointed out, in one accident In three the bicyclist struck the motor vehicle. The 42 states taking part, in the study rejected almost unanimously a proposal that bicyclists ride on the left side of the street facing traffic. The states surveyed favor bicyclists riding on the right side, and following all rules and regulations pertaining to other vehicles.

Riding on the left, side of the street, the study indicated, is more hazardous than riding on the right side. What suggestions does the Council have to keep bike riders safe? 1. Obey traffic lights and signs qre for bike riders, too. 2. Stay oir the right.

Ride with traffic. 3. Ride single file. Never zigzag. 4.

Make sure your bike's in good condition. 5. When traffic is heavy at a corner, get off and push your bike across the street. Stay within the crosswalkfi. 6.

Don't, ride your bike at night unless you have to. And then, sure your bike has a light and rear reflector. Wear clothing that, is light colored or that shines in the dark so you can be seen easily by motorists. DEATH TOLL HEADS UPWARD ON STATE ROADS Following a comparatively sate three months, traffic deaths on Missouri streets and highways have soared since April 1. During the first quarter of this year the death toll in automobile accidents reached 181 fatalities, only 9 over the number of people killed in the same three months last year, April marked the beginning of an upsurge in the death toll.

There were people killed on the first day of the second quarter this year, making April Pool's Day the most deadly in traffic since the day be- tore Christinas, when 10 people were killed. In the first 97 of 1959, 205 traffic deaths had been recorded, an average of more than 2 each day. In the same number of clays last year only fatalities were on the record books, On April this year, Col. H. Waggoner issued a traffic safety warning to motorists and pedestrains saying, "As weather comes to Missouri, traffic fatalities will rise unless extreme caution is used." His- warning went unheeded, as the first week of April was one of the most deadly recorded in Missouri in recent months.

There were 24 killed in traffic accidents by midnight, April 7 compared to only 12 deaths in the first Michigan's money troubles, while worse than those of other states, also are symptomatic. Some say the reason for the plight of tiie states is extravagance, Others argue that, higher state budgets are the inevitable result of population growth. But the fact is, the Chamber notes, that total state expenditures increa-sed from about $7.1 billion tn 1946 to about $24.2 billion in 1957. Meanwhile, state debt rose from $2.4 billion to $13.7 billion over the nine period So, the search for more revenues IE on. A few states are considering new sources of tax money.

But, according to the Chamber, Increases are most likely to be asked in the areas of personal income tax, general sales taxes, and taxes on motor fuels, tobacco and alcholi beverages. At this point, the Chamber notes, the States are rediscovei'ing an un- plesant face-Uncle Sam has fingers in nearly all the state tax pies. For as he responded to demands for more and more federal aid and other programs of assistance to the states, he, too, had to find new sources of revenue, reducing the income available to the states. There may be a brighter side to this picture, says the Chamber. For as more of us realize that federal aid isn't "free money" after all, the pressure for this kind of federal spending, may ease up, permitting Uncle Sam to remove himself from some of the states' tax preserves, and thus permitting them to finance their public works, welfare, school and other programs without federal assistance SHAKESPEARE WORKS SET STRATFORD, CONN.

(AP)-The American Shakespeare Festival opens its season in May with a revival of its last season's hit production of "A Midsummer Night's Dream" and a new staging of "Romeo and Juliet." The festival's performance schedule from May 19 through June 5 is designed primarily to enable school groups to witness the dramas before start of summer vacation. Another Shakespeare work will be added to the repertoire later. want ads pay BOAT INSURANCE RATE ALL RISK FORM, NO DEDUCTIBLE Boats, Motors, Accessories Trailers McCALL Insurance Agency Ph. MI Lawn Boy SALES AUTHORIZED REPAIR SERVICE OVERTON MOTOR SALES 1318 North Washington Phone Ml 6-3188 wrrk of the month Inst year. The hiuhway patrol supcrln- tniulcnt.

said that Missouri drivers wrll until first day of spring tills year. On March 21, the traffic iKjutii stood at only 2 over the number killed in the same time last year, which was one of the safest periods In recent yrars. "The arrival of 0 bring out the worst in sonic drlvcre," he said. He noted that liijih speeds, carelessness disregard for traffic laws V.TTP the forcmo.sl. reasons for the sudden upswing in traffic deaths ami said, "Unle.So there is a quicK A chaiiRc for thr: better in driving we hr.si'tate to say what the traffic death toll will be this i year in Mi.v.ouri," STATES' PLIGHT IS NEED FOR MORE TAXES ol the outlook for federal tax revision, it's bcRlnning to look as though State tax increases are on the way, according to the Chamber of Commerce of the United States.

The New York Stale tax boost is a straw in the wind Social Security QUESTIONS and ANSWERS by Thomas C. Jurjevich Q. Q. My husband, a minister, keeps telling me of the Importance of social security income in planning for our retirement years. What kind of records do we have to keep to assure ourselves of this income? A minister who has chosen coverage under social security pays his self-employment tax each year when he files his tax return.

All of a minister's income, minus his ministerial are reported on his income tax return. For social security purposes he includes the value of his home if he is furnished with one. A minister should keep records of the income he receives not only from the congregation but also for services performed at weddings, funerals, and christenings. How can a self-employed person benefit by keeping accurate business records for social security purposes? Your monthly social security benefit is based on your average earnings under social security. The only way to be sure of your correct self- employment earnings is to keep good records of your business and file accurate tax I own a small hardware store.

May I voluntarily pay the maximum social security tax in order to avoid complicated record keeping? No. The amount of your social security tax must- be based on your net profit. In order to compute your actual profit you are required to keep records of all business income and expenses. Accurate reporting of your net earnings will insure the speedy receipt of social security benefits when you retire. Someone told me that if I have a profit of more than $400 a year from my business I must pay social security taxes.

Is it necessary to figure the exact profit, or will a reasonable estimate of my profits be acceptable for social security tax purposes? Estimates are not acceptable in determining f.he amount of your self-employment tax. The Bureau of Internal Revenue requires that you keep an exact record of all business income and expenses in order to compute the proper income and social security taxes on your net profits. Q. I recently opened a dry cleaning store. What, records must I keep for social security purposes? A.

Social security benefits are based on a person's average monthly earnings or wages. You should keep records of income and expenses. Thus you can prepare accurate self-employment tax returns and get the correct amount of social security credit each year. Q. I am a woman and have always worked under social security until two years ago.

I will be 62 at the end of this year; however, my neighbor tells me I should wait until I'm 65 to file for benefits. Is this true? A. When you reach age 62 you should contact the social security office. They will determine for you how much 1 you will draw at age 62 and how much if you wait until age 65. You can decide for yourself when you wish to file for benefits, in any event, don't accept your neighbor's word as final, but rather contact your social security office to determine how social security effects you.

The Constitution-Tribune A Chilllicothe, Mo. PAGE WEDNESDAY, APRIL 22,1959 LET DOCTOR TREAT FACIAL MOLES By ALICIA HART NEA Beauty Editor Facial moles were once regarded as beauty marks. But not many women feel that way about them today. Most women feel that they are beauty blemishes. Fortunately, moles can be removed easily.

But this is a job for your doctor. He will tell you which moles can be removed safely The whole process, as it's done now, involves only two or three visits to the doctor. Gradually, the moles change color and disappear and the skin is restored to its usual pink smoothness. For women who feel that moles are a real handicap, this is a blessing and worth the investment in both time and money. It makes the whole matter of make-up sim- ple but even more important, it gives a woman a new feeling about her own appearance.

A word of caution, however: this is a job for your doctor and you must be guided by his advice. This is the time to get your spring wardrobe REALLY ready to wear. If you have skirts or dresses that should be shortened, take them to a tailor now. Check over your shoes and see which need heel lifts and which simply won't do for one more season. Make a note to buy one white hat to pick up your spring clothes.

Look over your gloves and see if you don't need some new ones in vivid colors. Consider the possibility of pastel hosiery. Check over your lingerie and make certain that you've the right slips, bras and girdles for each dress or suit in your wardrobe. What about blouses and shirts? They can do wonders in refreshing a tired suit. False eyelashes are fun and they can change a girl's whole attitude toward an evening out.

They can make her feel self-assured, like a real, genuine femme fatale. And they're easily applied. But don't decide that just because you look great in them during the evening, you should wear them in the daytime, too. This is just too much. The girl who carries on like a siren all day is likely to be tiresome.

Wear false eyelashes, eye shadow and gold nail polish in the evening. But next day, switch to natural make-up and pale polish. FRANK W. BAKER IS ABOARD DESTROYER PACIFIC FLEET Frank W. Baker, machinist's mate second class, USN, son of Mr.

and Mrs. Don Boyd of 812 Calhoun St Chillicothe, and husband of the former Miss June Walker of Route l. Mooresville, is serving aboard the Pacific Fleet destroyei USS Gurke. Baker was one of 16 men who donated blood March 15 to the 2nd Amy Hospital, Kaohsiung, Taiwan. Before entering the Navy, he attended Chillicothe High School.

More newspapers are sold in two days than the total number of pas senger cars registered throughout the world. Party en CBS-TV) ART LtNKLtTTtK SAYSt Mn. Unklttftr't lavorift rtcipe (of ALL-BRAN MUFFINS Ever tasted those wonderful old- fashioned bran muffins? Well, how can make 'em yourself tonight! INGREDIENTS 1 cup Kellogi's cup sifted floor AII Bra tsaspocns baking powiir lift shortening cup sugar 1 Combine All-Bran and milk. Let stand until most of moisture is taken up. Add egg, shortening; beat well, i 2 SifttoRC-tlipr: flour, baking powder, salt and sugar.

Add In the first mixture, stirring only until combined. Fill greased muffin pan full. 3 Bake in moderately hot oven about 25-30 minutes. Yield; 6 medium size muffins. tt ALL-BRAN An aid lo natural regularity Reliable Prescriptions MILLER PHARMACY DR.

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2 ODflV NORTH SIDE SQUARE Km SJORtS APRIL 23-24-25 GRAND OPENING SPECIAL! SPECIAL 'FACTORY RUN" SALE! UP TO Boonton Patrician Solid Color SINGLE 4-Pc. PLACE SETTING 2 79 Reg $5 20 GUARANTEED AGAINST BRE 'i finest of all melamine dinnerware "abulous, but true! A special 'factory run" for this sale gives 0 to 52 off regular pen stock prices, for a limited time. Boontonware's remarkable beauty is practically indestructible, dishwasher-safe. Choose 3 exquisite patterns, 4 solid colors, plus a complete line of open stock servicfe pieces. Save now! BUY MORE-SAVE MORE I 4 Plow Settings 9 95 REG.

Boontonware Patterns Single 4-pe. Place Setting REG. 6.25 4 Place Settings REG. $25.00 Scruby Hardware 508 Washington Phone Ml 6-0412.