Your Personal Finance Gauge on House You Can Afford « By RICHARD P. PRATT In addition to hot dogs, fast cars and baseball, most of us are addicted to another item that is peculiarly American— the shortcut. Fortunes are made in this country not by building better mouse traps but by inventing quicker and easier ways to reach objectives. When this ambition results in the permanent-press shirt, society is certainly benefited. But when the end product is a flimsy formula that's apt to mislead, the danger is obvious. One such formula is the rule- of-thumb, showing What a family can afford to pay for a home. The lure of the role-of-thomb is easy to see. It provides a simple and ready reference that even the uninitiated can quickly grasp. Unfortunately, it is often accepted all too literally, formiilng the prelude to a gross financial misstep. When it comes to housing, the difficulty of reducing decision making to a flat rule is made obvious by the varied attempts to do so. The most common is the "2 l A times your income" approach. But there is also the "one week's income for one month's expense," and the "rule of 60". The latter stipulates monthly payments for mortgage, insurance and taxes can safely equal one-sixtieth of annual family income. What each of these rules misses, of course, are the many individual differences that have a pronounced influence on family spendiing patterns. It takes little imagination to see that a childless couple living on $15,000 a year can afford to spend considerably more for shelter than a $15,000 family with two kids in college and another on the verge. There's not enough space to cover all the factors that affect house-buying, but here are several you ought to consider before you make any commitment: your bag, it makes sense to devote a larger proportion of your assets to your surroundings. However, a family that boats, skis and likes to travel had better be a bit more cautious. The drain of such activities won't show up in any thumb-rule, but they will have a visible effect on the availability of funds. Source of Income—Where your money comes from should affect your housing aspirations, too. Mortgage lenders, for example, have learned not to rely too heavily on the working wife's contribution to the family purse. Pregnancy, family problems or just plain fatigue can reduce that portion of the income to zero almost overnight. Similar consideration should be taken of money that comes from such other unstable sources as overtime pay, bonuses and moonlighting. Auxiliary Needs—What other expenses will be facing you once you've bought that new house? Certainly it will require drapes and carpets, and perhaps added furniture, storm windows and landscaping. Its location may even require that you get another car for commuting. Add a© that up, and it may put a dent or two into an otherwise reasonable estimate of what you can pay for the new pad. Sought Hunted by police, Jacques Lanctot is a prime suspect in kidnaping of British diplomat James Cross. Lanctot, 25, is a former taxi driver whose connections with the Quebec Liberation Front go back as far as 1963. His brother is one of the prisoners whose release has been demanded by kidnapers. 4-H News Relative Importance—If family life centers heavily around the home, you may want to spend more than is usual on your house. If back yard barbecues and Saturday suppers are (Political Advertisement) VOTE FOR MAURICE (MO) REPUBLICAN STATE Paifi for by Maurice Baringer West Des Moines, Iowa Busy Wrens Plan Charity Bake Sale (Times Herald News Service) WESTSIDE — The Busy Wrens Club met Wednesday afternoon at the home of Mrs. Keith Lueders. Seven members were present and acknowledged roll call by adding 1 cent per year of age to the club treasury. For new business, the club decided to have a bake sale on election day, Nov. 3, at the Old Fire Hall in Westside starting at 1 p.m. Homemade rolls and coff,ee will also be served. The proceeds from the sale will go to a needy family. Lunch was served by the hostess at the conlusion of the meeting. The group will meet next on Nov. 4 at the home of Mrs. Wilbert Lussman. CORN DAMAGED MANNING — Vandals or pranksters invaded the Frank Handlos farm one and one-half miles north of Manning recently and damaged a large quantity of corn in a crib. The corn was released from the crib onto the ground. Mr. Handlos is offering a $100 reward for information leading to the arrest and conviction of the person or persons responsible. Activities of Carroll Area Boys, Girls Clubs WESTSIDE — The regular meeting of the Westside Winners 4-H club was held October 10 at 2:00 p.m. in the Auxiliary Rooms. Mrs. Howard Hugg presented a demonstration on first aid. Everyone then had a chance to try out artificial respiration on her dummy, "Anne". The meeting was then called] to order by vice-president Vickie Wilken. Karen Gottsch led the | Pledge of Allegiance. Ten members answered roll call by telling "When I gave myself first aid -". Three guests and one leader were also present. The treasurer's report was then read and dues were collected. Old business consisted of rec- 1 ord books. They are to be I turned in to the leader, Mrs. Wenzel, by October 15. Premiums were passed out from the county fair. There was no new business. A motion to adjourn the meeting was made by Kathy Mason and seconded by Sheryl Oeser. The 4-H P1 e d g e was led by | Vickie Wilken. A lunch was served by the co- 1 hostesses, Rae Ann Rothmeyer and Vicki Wilken, and their I mothers. IMPROVING (Times Herald News Service) TEMPLETON — Alvin Stri fes of Templeton, a patient at St. Anthony Hospital in Carroll since being in a car accident, is reported to be improving. MAYTAG Will Cost You Less Over Years of Use Maytag Could Cost You Less Dependable Maytag automatic washers and dryers require less service so your total maintenance will be less, plus the extra years of service the Maytag will give. Plus the low cost from Drees Co. and the dependable Drees service. Now Is The Time to Buy Your New May tog F TZ Drees Co. Horn* of Dependable Service These Deluxe Features • New Perma- Press Cycle • Lint Filter Agitator • Fabric Dispenser • Water Level Control • Mini Wash Control • 3-Temp. Control • Rust-Proof Hinges Shop by Phone This A106 On.y$239 00 W.T. A206 Deluxe Only $20oo ( More W.T. Stop In and Rgeister for FREE DISHWASHER To Be Given Away At Our Store No; FBI Calls it Social Pro bleitf-^ Murder in the U.S.: Can it Be Prevented? By TOM TIEDE WASHINGTON (NEA) - Two of this year's 15,500 murders occurred on a recent evening in nearby Fairfax County, Va. They involved a couple with domestic problems who were planning to separate. Police say they drove to a parking lot and, while their children watched from the back seat, shot and killed each other. Because of the kids, newspapers called them "unusual" murders. But were they really? No. Except for the principals, and the witnesses, the incident was as predictable as the FBI estimate of 15,500 homicides. Like most of the federally recorded murders in this country, it took place on the weekend, at night arid involved two people who knew each other and were quarreling. Also like most murders, a gun was used, and young (21 and 24), minority group (black) individuals were involved. Finally, like most murders it was virtually unpreventable. According to studies and statistics of criminologists and police, homicide is man's most closely examined but still con' founding crime. Although it can be determined when, where and why most murders will be committed this year — on Saturday night, in urban slums, during arguments — enforcement agencies are almost powerless to stop the slaughter. There are seven murders per 100,000 people today, the total number of homicides rises an average of 1,000 a year, and the FBI says "circumstances" make most of these beyond police prevention. The circumstances are in 10 Timet HereM, Carroll, le. Monday, Nov. 2, 1970 the statistics. Last year 32.2 per cent of all murders were family affairs. Officials believe that victims and perpetrators were probably acquainted in seven of every 10 homicides So the crime is more or less a private one. "To do any good," says Washington police Lieut. Joseph O'Brien, "we'd have to put a cop in every home in the country." Thus it is me FBI calls murder a social rather than a police problem. Many criminologists agree. Some, like Dr. Martin Wolfgang of the University of Pennsylvania, go even further, They say homicide is • social disgrace because it can be blamed on man's failure to allow social justice. Wolfgang is one of the na tion's leading authorities on murder. And he feels that man has created the conditions for murder by creating a murderous subculture whose set of values are built around physical aggression. He means ghetto minority people, for the most part, who are raised to believe in the survival of the fittest. He says they murder and are murdered more than any other group — in 1969, 62 per cent of all homicide arrests and 55 per cent of (he murder victims were Negro. Wolfgang calls these people the citizens of a subculture of violence: "They are surrounded by brutality. They are often punished severely as children; they see their parents constantly 'fighting; they see mugging and stealing in the street. As a result they come to accept and often require the use of physical force as a problem solver. Rather than learn to cope with something that makes them angry, like most people do, they strike back blindly. And since so many of them carry a knife or gun, striking back is often fatal." This subculture, says Wolfgang, is nothing new. But it poses new threats. He believes society paid little attention to it in the past because, deadly as it was, it was largely "cordoned off by police from us nice folks." Now, however, the threat is growing. The age composition of the subculture is changing with the most murder-prone age group (15 to 24) increasing significantly. It has grown 36 per cent since 1960. New mobility has spread the subculture into areas inhabited by the hitherto secure middle class. Thus the murder rate and public concern grow together. 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