The Evening Sun from Baltimore, Maryland • 36

zYour Money's Wortlc Beware Of The Fine Print On Interest Free' Loans The Beefeater Is A Gin, Not A Restaurant DETROIT (KNI)-A 20-year legal bai centuries old nickname of an of the guard the Beef forced a Midwestern restaur change its name. of the Beefeater restaurants The Sign of the Beefcarver by result of a successful lawsuit tie over the eater has ant chain to The Sign will become March 1, the The chain, English yeoman the British protect its distiller of Beefeater gin to trademark. founded here in 1957, oper If you were offered an interest-free loan of $1,500 for three months during which you easily could invest the money at well over 9 percent, would you grab it? Dial Finance a veteran consumer finance firm headquartered in Des Moines, Iowa, has been dangling this goodie off and on before new customers for the past six months. Dial operates in approximately 35 states and is a respectable and savvy company. It has attracted thousands with ads promising: "Interest-free loan! Special get-acquainted holiday offer lets you borrow up to $1,500 without interest for three months." A free loan is tempting at any time.

Today, with the cost of borrowing reaching for new highs, it is close to irresistible. (E-ven the nation's most credit worthy "prime" borrowers are being officially charged almost 12 percent by banks across the country and much stiffer inter- est rates unofficially (under the counter). How, then, can Dial Finance extend loans, even for so short a span as 90 days, interest free? Here's the tale behind such consumer finance ad campaigns: "Ml) Dial's "interest-free" loan is available only to new and "qualified" customers. The company retains the right to determine who is and who is not "qualified." It is looking for borrowers who in the past have rarely even thought of visiting a finance company, much less actually using one. It is seeking professional, white-collar and managerial individuals, engineers, lawyers, accountants, teachers, the like, who earn above-average salaries, have well-established credit records and plenty of sound collateral, such as houses, cars, boats, furnishings.

(2) The short-term loan is truly "free" only to the borrower who can repay it in full within the allotted three months. In general, workers in the lower-income groups cannot raise this much cash in so short a time. Thus, the terms of the offer, which seem so appealing across the board at first glance, in themselves help to limit the loans to the category of borrower who usually doesn't need them. (3) If a Dial customer fails to repay the interest-free loan within the 90-day period, the finance company levies finance charges on the full amount of the loan from day one. In fact, the Dial loan program is so structured that all participants sign regular installment loan contracts when they accept the "interest-free" mon- ates iz restaurants in the Detroit metropolitan area and three in Chicago.

It was acquired by Montgomery Ward the department store chain, several years ago. "Beefeater gin is famous and celebrated throughout the U.S.," Henry Lau-terstein, attorney, said for the distiller, James Burroughs Ltd. the name and uniqueness, a likelihood of confusion. quite a lot of these lawsuits particularly with restaurants, added. "I'm glad to tell you up.

Sign of the Beefeater "restaur ey. In effect, they are paying a finance charge each month along with a portion of the principal. At the end of the 90 days, when they repay the full amount of their loans, the finance charges are refunded. A full 15 to 25 percent of the 15,000 customers who obtained interest-free laons during this past Thanksgiving-Christmas-New Year's holiday season will not repay the full amounts of the loans within three months. Dial marketing executives estimate.

These borrowers then will become regular finance company customers, paying from 18 to more than 23 percent annual interest on their loans. The rates that finance companies charge vary, depending on the state in which they conduct business. A Californian, for instance, who borrows $1,500 from a neighborhood Dial office and discovers he needs 24 months to repay could end up turning over a total of $1,896 for his so-called "free" loan of 4 Because they customarily cater to riskier borrowers than banks, credit unions and other financial institutions, which is their stated function in the money mar- -kets, finance companies usually charge much higher rates than these other lenders. They also frequently impose higher finance charges on the individual seeking a small loan than on the borrower obtaining a big sum of money. There is no disputing the value of the consumer finance company's funds to the riskier, smaller borrower which is the reason the companies have flourished for so long a period and grown to occupy so significant a place among our lending institutions.

But there are few, if any, free lunches in real life especially from consumer finance companies in business to make profits from their operations. The very offer of a loan at zero interest should arouse your skepticism. The source of such generous loans should raise your cynicism to a high notch. Investigate every line of small print and read between the lines as well before you even consider accepting. the Detroit suburb of Royal Two years later, it came to of Beefeater gin's lawyers, change its name.

gin, now the largest selling zEconomics And You- in the U.S., arrived on these Its name was registered as "Because you could get "We've had Lauterstein ant opened in Oak in 1957. the attention who asked it Beefeater in 1933. "We realized it to court in of in the past, tney are drying The first to imported gin shores in 1909. a U.S. trademark The Beefeater name change its own name in 1966, by three outlets.

There, going to stop," battle was joined. Ten years was at the end of Prohibition Heaps Of Cash On Sidelines restaurant ignored the Bode Well For Stock Market request and tried to register with the U.S. Patent Office which time it had grown to Beefeater gin moved to block it. By Louis Rukeyser stock market nnvnn.n;. rich this was obviously never One of the best things the 1 I innn that sometimes seems to be Lauterstein said.

And the later, the restaurant's application denied, and Beefeater gin took from the American scene cash. it pnea up on tne sidelines in record July 1976. The final judg abundance, just itching to enter tne tray at the first sign that a sustainable bull mar- ment was entered last September. The restaurant must change its name by March 1 and pay unspecified financial Ket is developing. Ana me very presence of this great bundle of nervous green may damages, Lauterstein said.

help bring about the happy which it yearns. it otten puzzles outsiders that the stock market will rise at times when the eco homic news appears bleakest and tum-' ble at moments when euphoria reigns. But Wall Street is not simply being perverse. By Sylvia Porter It stands for GNMA (Gov "pool" of home mortgages (or pieces of several per also the way you the that mortgage get your it resDonds. like all markets, to the supply in this vanishing results, for suddIv and case being the money that money so nntimis- insurance past fall.

its roprn it J215) JOHNSON 20e On January 17, 1979, BASIL of Columbia, beloved husband of Florence Johnson (nee Storm), devoted father of Dorothy Germek, Betty Jett and Warren E. Johnson, Be loved brother of Esther Wet- gel, Joseph and Kirfoot Johnson. Also survived by six grandchildren and five greatgrandchildren. Friends may call at the black r-unerat Home. 381 Columbia road, Ellicott City, on Friday, from 3 to 5 and 7 to 9 P.M.

Services from the above funeral home on Saturday, at 12 noon. Interment in oi. ivtarK cemetery, nign-land, Md. KELLEY 19e On January 17, 1979, GERTRUDE VIRGINIA (nee Thompson), of Oella, devoted wife of the late James J. Kelley, mother of Roselia Johns, Katherine lareer.

Mar-aaret Ellen Brown. Clara Silva Forrest P. Kelley, the late Anna fc. James and James Kellev. Also survived bv 23 grandchildren and 16 greatgrandchildren.

Friends may call at the Slack Funeral noma, Columbia road, icott Cltv. Thursday and Friday, 3 to 5 and 7 to 9 P.M. Services from the above Funeral Home on Saturday, at 2 P.M. Interment in oood bnepnera uemetery. If Ft I FY 20 On January 15, 1979, JAMES HUBbn I ot rort Asoy, w.va..

father ot Mrs. betty j. ritcn-field, Mary A. Smitherman Judy K. Brown, Brenda J.

Robinson and Charles A. Kel ley, also survived by eight grandchildren, brother of May Bird, Kate Kelley, Eunice Clark, Edith Shanks, T. J. Kelley and Eugene Kelley. Services will be conducted at Edw.

S. MacNabb Sons 301 Frederick road, Catonsville (where Beltway exit 13 and Frederick road Saturdav. at 9:30 A.M. Burial in "His Little Farm" in Fort Lincoln Cemetery. Mr.

Keuey family will be at tne runerai home on Friday, from 3 to 5 and 7 to 9 P.M. LUDWIG 19e On January 17, 1979, JOHN ANTHDNr. of Auburn. (formerly of Baltimore), the beloved husband of Dorothy fc. Ludwig (nee ana ae- voted tather or uorotny Met- calf and Joyce Adam, brother of Mildred Hipsley, Catherine Fridel, Doris Fridel, Harry Ludwig and James O' Bryan.

Also survived by one grandson. Mr. Ludwig rests at the Howard H. Hubbard Funeral Home. nc.

4107 Wilkens av enue. Relatives and friends are invited to attend services on Saturdav, at 9:30 A.M. Inter ment in Meadowridge Memorial Park. The family will receive friends on Friday from 3 to and to 3 r.M. MARANTO 20e On January 16.

1979 SAMUEL, beloved husband of cole B. Maranto (nee Zappa-costa). devoted father of Wil liam A. Maranto. PhiliD C.

Maranto, Cathy M. Ball, Donna J. Maranto and the late Russell S. Maranto, brother of Joseph Maranto, ot California, Josie Tortoro, of California, nose Amoroso and Sam Bar- busca, grandfather of Claire, DeSales, Andrea, Mark, Luke, Marry, ratty, Mat new, jimmy, Bobby. Dana, and Jobeth.

A Christian Wake Service will be held at the Ruck Tow-son Funeral Home, (suc cessor to Wm. Cook-Brooks) 1050 York road, (Beltway exit on rrtoay, at 8 P.M. A Mass of Christian Burial will be celebrated at Immaculate Conception Church, Ware avenue, Towson, on Saturday, at 10 A.M. Entombment in the uuianev Vallev Mausoleum Friends may call on Thursday and Friday, from 2 to 5 and 7 to r.M. riease omit flowers.

Contributions may be made to me cancer society. MARTIN 19a On January 17, 1979, JOHN oeioved husband or Margaret Martin (nee Francis), dearest brother of Joseoh J. Martin, Bob Martin and Mada- len Jones. A Catholic Prayer Service will be held at the Lassahn Fu neral Home, 7401 Belair road, on Saturday, at 1 P.M. Interment in Parkwood Cemeterv.

Visiting hours from 2 to and to a r.M. PARKS 20e On January 17, 1979, EDNA F. (nee Frey), beloved wife of the late W. Carroll Parks, devoted mother of Carole Lynn Goorevitz, Patricia Ann Smith, devoted sister of Catherine Wilmer, Grandmother of Jason and Tamara Goorevitz. Funeral services will be held at the Leonard J.

Ruck Funeral Home, 5305 Harford road (at Echodale), on Saturday, at 10 A.M. Interment in Parkwood Cemetery. Friends may call on Friday from 2 to 4 and 7 to 9 P.M. Donations may be made to St. Mary's Episcopal Church, 2501 Em-morton road, Abingdon, Md.

(21009). PARKS 19e On January 16, 1979, LOR ETTA S. (nee Morgan), beloved wife of Philip G. Parks (Buck), and devoted mother of Mrs. Phyllis S.

Bruce and Grandmother of Jennifer S. Bruce. Friends may call at the Mitchell-Wiedefeld Home, 6500 York road (at Over-brook), on Wednesday and Thursday, 3 to 5 and 7 to 9 P.M. Mass of the Christian Burial in St. Pius Church, on Friday, at 10 A.M.

Interment in Parkwood Cemetery PAUUS lae On January 16, 199, EDWARD beloved husband of Doris L. Paulis (nee Brinsfield), devoted father of Edward T. Paulis, Mar- faret L. Sauter and Ellen lano, grandfather of Edward T. Paulis 3rd, Bradley D.

Paulis and Dara M. Paulis. Services at the Ruck Tow-son Funeral Home, Inc. (successor to Wm. Cook-Brooks), 1050 York road (Beltway exit 26 S), on Saturday, at 10:30 A.M.

Interment in Brookview Cemetery, Dorchester County, Md. Friends may visit Thursday and Friday, 2 to 4 and 7 to 9 P.M. Contributions to the American Cancer Society will be greatly appreciated by the family. Hagerstown paper please copy. To Place Classified Ads call 539-7700 DEATH NOTICES (215) 0C77PI1 A 20 rin innimrv 16.

1979 ANGELO beloved father of P. Michael rezzeiia, oevoiea brother of Biagio Pez2ella and Pina Pezzella. Also survived by four grandchildren. Christian Wake Service at the E. F.

Lassahn Funeral Hnm Kinasville. 11750 Bel mart 7.30 P.M. on Fridav- Friends may gather at the Funeral Home on Saturday, at 9 A M. Mass of Christian Burial wi be ceieoratea at st. Mark's Church, Fallston, on vaturrtav at IO A.M.

Inter niAnf in Bet Air Memorial Gar dens. Visiting 2 to 5 and 7 to 9 P.M. Ihursday ano rnaay. PIERCE 20 On January 18, 1979, LEOLA FULTON, beloved wife of Gfioroe A. Pierce.

FunAral services from the Madison Mitchell Funeral Home, 123 South Washington street. Havre de Or ace, Md. on Saturday, January 20, at 2 P.M. Interment in Angel Hill Cemetery. Friends may call rnday trom to r.M.

PFFIFFER 19e On Januarv 14. 1979, ARCHIBALD in St. Peters- hum. a. (formerly ot Balti more), beloved husband of Mildred Pfeiffer and devoted father of Mrs.

Hobert Wrav, ot Baltimore, and Mrs. Richard Walton, of St. Petersburg brother of Joseph Pfeiffer, of Baltimore. Also survived by three grandchildren and five great-grandchildren. Graveside Services at Lou don Park Cemetery, on Satur day, at 1U A.M.

ROOP 19e On January 18, 1979, GRANVILLE EUGENE, of Mt. Airy, husband of the late Helen oiioert Hoop ana De- loved father ot bugenie H. (jar- trell, of Mt. Airy, and brother of Anna, Bessie, and Howard Roop, of New Windsor. Services on Saturday, at 11 A.M..

in ripe creek Cnurcn near New Windsor. Interment in Pipe Creek Cemetery. No visitation. Arrangements by u.u. r-iartzier runerai Director.

RZETELNY 21 On Januarv 18. 1979. MOS ES, beloved husband of Bron- islawa Rzetelnv. beloved fath er of Mrs. Barbara Frizner, be loved brother of Mrs.

Miriam Lewkowicz. Also survived by one granocniid. Services at Sol Levinson Bros. Home, 6010 Reisterstown road, on Sunday, Janu ary zi, at iu a.m. interment in Arlington Cemetery, Chizuk Amuno Conoreaation.

North Rogers avenue. Please omit flowers. In mourning at Har ainai House, joui r-oras lane, Apt. 502 (21215). RZETELNY 20 Suburban Orthodox Congregational Family, deeply regrets the passing of MOSES RZETELNY, beloved brother of our member.

Mrs. Miriam Lew kowicz. We extend our sincere condolences to the family. RABBI ERVIN PRElS CHAIM GEVANTMAN Rabbi Emeritus JAYE NEUMAN Congregation President MRS. PATJL DIAMOND Sisterhood President SAWYER 19e On January 16, 1979, JESSIE M.

(nee Heaiy), of Pasadena, beloved wife of the late Edward J. Sawyer, devoted mother of Mrs. Kuth t. von- derhorst. Also survived by four grandchildren ana two great-Grandchildren.

Services at the McCully runerai Home or rasadena Mountain and Tick Neck roads on Saturdav. at 2 P.M. Inter ment private. If so desired contributions may be made to the American Lung Associa tion ot Maryland, SCHLOSS 19e On Januarv 17. 1979.

DAN beloved husband of Rose 1 Sen loss (nee Eaorin). of Ba ti- more, devoted father of Stuart Schloss, of Short Hills, N.J and Mrs. Wendy Schain, of nock vine, devoted brother of Jerry Schloss. of Balti more, and Mrs. Lois Pustilnik of Gaithersburg, Md.

Also sur vived Dy tnree granacniioren. Services at Sol Levinson Bros. Home, 6010 Reisters town road, on Friday, January 19, at 12 noon. Interment in Arlington Cemetery, Chizuk-Amuno Congregation Cemetery. North Rogers avenue.

Please omit flowers. In mourn ing at the Park Towers East 7111 Park Heights avenue. MPT. i uiz SIMPSON (WILMER) 22 On Januarv 19. 1979 MARTHA A.

(nee Armiger), beloved mother of Hugh Brent Wilmer, Warren Armiger Wilmer and John Stuart Wilmer. Services and interment private. Arrangements by the ourgee runerai noma. SMITH 20e On Januarv 17, 1979. MARTHA E.

(nee Wever), of Columbia, beloved wife of the late J. Milton Smith, devoted mother of Mrs. John (Grace) Schneider, orandmoth er of John M. Schneider, of Bloomington, and James W. Schneider, of Rock- ville, Md.

Also survived by two greaT-granacniiaren; Friends mav call at the Witzke Funeral Home of Ca tonsville, 1630 Edmondson avenue (Beltway exit 14 one block east of Rolling road), on Thursday and Friday from 2 to 5 and 7 to 9 P.M., where services will be held on Saturdav, at 10:30 A.M. Inter ment private. Should friends desire contributions may be made to Sheibourne baptist Church, Sheibourne and Courtney roads, Baltimore, Md. U1ZZJ. SMOOT 19e On January 17, 1979, RUTH LORETTA (nee Gross), beloved -wife of George W.

Smoot, Jr. Also survived by a large family. Funeral from the George J. Gonce Home, 169 Riviera drive, on Saturday, at 10 A.M. Interment in Glen Haven Memorial Park.

Family requests friends call on Thursday, from 7 to 9 P.M., and Friday, 3 to 5 and 7 to 9 P.M. Those who wish, may contribute to the American Cancer Society. SUGAR 21 On January 19, 1979, HOWARD beloved husband of Rena Sugar (nee Sharp), devoted brother of Mrs. Elsie Bober, of Baltimore, Mrs. Rose Friedman, of Silver Spring, Mrs.

Shirley Me-lomet, of Baltimore and the late Louis and Bernard Sugar and Margaret Lewis. Services at Sol Levinson Bros. Home, 6010 Reisterstown road, on Sunday, January 21, at 11 A.M. Interment, Baltimore Hebrew Cemetery, Berrymans lane. Please omit flowers.

In mourning at 6702 Cherokee drive (2 12091. DEATH NOTICES institutions hds at times almost disappeared. It got as low as 5.5 percent in December 1976 when the Dow Jones industrial average was over 1,000 and about to crack. Equally significantly, the previous high of 41.1 percent skeptics was set last March (with the Dow at 758 and about to stage a 150 point rally.) The sums involved are so huge (these institutions control anywhere from less than $2 million to more than $10 billion each) that the average investor may wonder what, if anything, this all has to do with him. But the truth is that the much-derided individual investor has steadily outperformed the institutions in recent years not least, perhaps because institutional behavior is so herdlike and predictable.

The tendency of these investing behemoths both to act in concert and to act incorrectly is strikingly illustrated by these surveys. When nearly all of them were fully invested, the market was at its peak; when their enthusiasm for stocks was lowest, a rally was at hand. Indeed, the only possibly worrisome result of the latest survey is that a record 46.1 percent of those responding said they planned to buy more stocks soon. It's fine for the institutions to be super bearish and pile up cash (they're usually wrong), but not so great for them to be so bullish longer-term (ditto). Merrill Lynch's Hans J.

Schueren comments acidly that "we may have to wait for sentiment to turn more pessimistic" before a real bull market develops. Nonetheless, the big institutions clearly seem to be running true to form, in a pack. stocks and the demand being that wants to buy them. When is used un. because evervone is tic that he has already become invested, there's no one left to sell to, so prices de- 'cline.

And conversely when a lot of money that has accumulated during a period of "'npCKimism nrtripnlv starts rhasinp a limif- 1 i I i rugm now me amount oi money reaay in start rhasinp is Hnwnripht stappprinrr The big institutions banks, and the like all got scared this wnen a Dig institution gets scared, it does nnr. uppn nr rrinpp nr cmasn (215) SPRADBROW 20 On Januarv 17. 197iJMABEL KATHLEEN (nee Cuthbertson). of Pikesvilie, beloved wife the late Norman H. G.

Sprad-brow. devoted mother of Snif-lev Hux and William Sprad-brow. Also survived by tour grandchildren. Friends may call -1-onng Byers Chapel, 8728 Ciberty road (2 miles west of Beltway exit 18), on 7 to 9 P.M., Friday, 3 to aticf 7 to 9 P.M., where servicef will be held on Saturday, IJ A.M. Entombment in Druw Ridge Cemetery.

In lieu ot flowers. Memorials may be made to Tt-monium Presbyterian Church, 303 West Timonium road, Timonium, Md. (21093H THALHEIMER On January 17. 1979 MARY of Sykesville roajd, Aest-minster, devoted sister of Mrs. Naomi Smell.

Elizabeth Ruth M. and Louis A Thal-heimer. Friends may ca at the Haight Funeral HomRouta 32 (near EldersburgSykes-ville, on Friday fromS- to 5 and 7 to 9 P.M. of Christian Burial at Catholic Church. Liberty road, (near Eldersburg), orr1 Saturday, at 10 A.M.

Interment in New Cathedral Cemetery. TUOMI On January 17, beloved wife of -the late Solomon W. Tuomi-and beloved mother of Sirkk Lee. Cremation private1 Those who desire may makaMemo-nai Contributions 'to tha Tyomies Society, cfo' Mr. Anderson.

TWIGG On January 18, 1979, JOHN beloved husband -of-Lillian M. (nee Messenger), dear father of Shirley, Betty, Barbara and Judy. Also survived by eight grandchildren and one great-grandchild. Funeral services wrlf be held at the Duda-Ruck rtjneral Home of Dundalk, Wise avenue, on Saturday, at 10 A.M. Interment 'JlY Mea-dowridge Memorial Park.

Friends may call on riday, 3 to 5 and 7 to 9 P.M. WARD T9e On January 16, 1373, LEONARD M. (Moortey). beloved brother of Ida E. Gallant, Anna T.

Snyder, Mary T. Keary, Timothy M. Ward. Joseph E. Ward, Hubert A.

Ward. Francis W. Ward and the late James J. A Christian Wake, Service will be held at the Rucifc Tow-son Funeral Home, Incv (successor to Wm. Cook-rBrooks), 1050 York road (Beltway exit 26 S), on Friday, at 7:30 P.M.

A Mass of the Christian Buriai will be celebrated in Immaculate Conception Charon, on Saturday, at 2 P.M. Interment in Duianey Valley Memorial Gardens. Friends may call Thursday and Friday; from 3 to 5 and 7 to 9 P.M. WOO 19e Suddenly, on Januarv 16, 1979. CHAN CHOY of Arbutus, beloved wife of Sing C.

Woo, devoted mother of Waichan E. Woo, grandmother of Jenny G. and Edrhond G. Woo, mother-in-law tif Yuk-Sim Woo. Mrs.

Woo rests at 'the Howard H. Hubbard "'Funeral Home. 4107 Wilkena avenue. Relatives and friends are invited to attend Prayers on Saturday, at 11 A.M. Interment, Loudon Park Cemetery.

The family will receivJnends Thursday and Fridayv3 to 5 and 7 to 9 P.M. ZIMMERMAN 19e On January 17, 1979, THOMAS (JACK), of Oaklee Village, the beloved husband of Amelia N. Zimmerman (nee Spielman), devoted brother' of Laura M. Rahm and Allen W. Zimmerman.

Mr. Zimmerman rests at the Howard H. Funeral Home, 41Q7 Wilkens avenue. Relativee and friends are invited tov attend services on at 10 A.M. Interment in Park Cemetery.

The family will receive friends daily from 3 to 5 and 7 to 9 P.M. CEMETERY LOTS (230) MORELAND Memorial Cemetery 2 cnoice iots Tor rjerm i erms Limited number 66B-64CT" LOUDON PK Mausoleum 2 crvots. loc rins. SJUUO. 235-bb80 SPECIAL NOTICES (240) TOM'S UPHOLSTERY Jan sale IO1 ott all tvpe turn, kit chrs, slipcovers, terms 355-2288.

PROPOSALS (255) STATE OF MARYLAND Ufcr AH I MtN I OF'- TRANSPORTATION. STATE ADMINISTRATION" NOTICE TO CONTRACjORS SEALED PRDPnSAI fnr th following will te receivedbv the State Highway Administration at its offices, 300 West Street, Baltimore. Manland 21201 until 12 Noon on the 15in.dav of February, 1979 at which time and place thev will be publicly opened and read. PRE QUALIFICATIONS OF BIDDERS NOT REQUIRED ON FEDERAL AID PROJECTS, the Maryland State Highway Administration, in accordance with the Stanoard Department ol" Transportation Title VI Assurances, Item 2, hereto notifies ail-tnooers that it will affirmatively insure that in any contract entered inUk oursu- ant to this advertisementAsinority business enterprises will be afforded full opportunity to subrnit bids in response to this mvitauon and will not be discriminated against on the grounds of race, color, or national origin in consideration for an award. Also, the bidder's attention is called to the Standard Federal Equal Employment Opportunity Construction Contract Specifications (Executive order-1 12461 which is a part of the -contract proposal.

FEDERAL AID PROJE6T FREDFRir.K rni iwtv rnM TRACT NO. 70-1(166)38. COST OF PtNS FREE. PROJECT CLASSIFICATION B. Resurfacing and safetvtrmrn- ments on 1-70 from the Vshing-ton County Line to MyVsville Road.

A total distance of approximately 3.61 miles. Minimum Waae Rates-'fbr thia project have been predereVmined as required bv law and are set forth in the Bid Proposal. tA a I A 1 1 rlloHWAY PROJECTS DORCHFSTFR mi INTV-rnM. TRACT NO. AW-359-510-185.

COST OF plans smno pan. JECT CLASSIFICATION A. -nsiruction ot US 50 and MD 16. BALTlMORF rnt IWWrrM TRACT NO. B-567-50I-47ECOST OF PLANS $30.00.

rfSOJECT CLASSIFICATION A. a ppftion of US Rte. 1 (Belair Rd.) anfi a section of Putty Hill the resurfacing of sections of both roadways and the intersection as well as various safety improvements ot both roadways. ALLEGANY AND WASHINGTON COUNTIES CONTRACT -NO. ED 70-614.

COST OF PtANS FREE. PROJECT CLASSIFICATION A. Surface Traitnwii a State Routes in AI l.n'.nu voiTiingion counties. HOWARD COUNTY TRACT NO. FD.7n.714 r1 PLANS FREE.

PROJECf FICATION A. Surface TreAtmunt State Routes in Howard Cfjtjntv. Minimum Wage Rates for the ahove proiects haye been" predetermined as required by -few and re set forth in the Bid Proposal. Bids must be made upori blank proposal form which, with -Snenfi. cations and plans, will furnished by the Administration upon application and cash oavment 'SL0 fFUND FOP.

RETURN OF SPECIFICATIONS AND.PLANS No bids will be considered unless accompanied bv a certified check, a Cashier's check or a Treasurer check drawnupon a bank or bid bond pavaole to the Mate of Maryland, in the amount as set forth in the ornnnai inr as required by Transportation Ar- rii "6'4' Annotated Code of Maryland. In addition, a D'd Letter trom Sural fmonv the Propose! guarantee- av-Moni ana rerrormance bonds will be fum.shed if the Contractor is in k. successful bidder ne successful bidder will be re- irefl to Qve bnnrt ar.H with the Acts of the General As-ttlf respe'etfng ine Administration reserves the 'Oht to reiect any and all e. CALTRIDtR, tat Highway Administrator ORDER NO. 6718 la 1815m.

6m. 7m)ia20-6tM DEATH NOTICES up casn reserves, mat very act, profoundly affecting the future flow of funds to the stock market, is frequently LUC LUC1UUC UI U1C Idliy. behavior is the ouarterlv Merrill Lvnch cash survey, which has just checked in. urifh a rpnnrf that save in pffart npvpr Today's consensus is that stocks are vulnerable to unpleasant surprises (such as even steeper interest rates) in the first half of 1979, but that they will then be ready to embark on a new bull cycle. True contrarians might thus conclude that the first six months will be the time to buy, before all that record heap of institutional cash has been committed.

If they're right, the big green piles will again have given a bright green signal to investors. have so many been so terrified Fully 43.4 percent of the 152 polled in late December said keeping more than 15 percent i IL j. xus ui casn, me mgnesi prupuruun ui (-'auctions investors since the surveys beean in may iao. une uuinuer ui similarly casn rYou And Your all at once. institutions they were of their as- -1 Money: By Don Campbell on your T7 1- Ginny Mae is.

Buying U.S. Savings Bonds Goes Beyond Call Of Duty I would like to comment MnAnl Hmn Iknt TT ernment National Mortgage Association), and these certificates are sold in denomi iciuaik lum v.o. oaviugs jjuuua are a "bad" investment. It seems to me that there are entirely too many people like you Koine around knocking Uncle nations of and are evidence of par "DEATH NOTICES (2 IS) CLIFFORD 19e On January 1fi 1Q7Q ESTHER RUTH, at Pompand Beach, beloved wife of me teie naymono w. Clifford devoted mother of Raymond W.

Clifford, loving grandmother of Gary R. ClifS ford, of Woodland, and Sandra K. Weber, of Baltimore. Services at the Connelly Funeral Home of Essex, 300 Mace avenue, on Saturday, at 1 1 A.M. Interment in Park-wood Cemetery.

Visit-ng hours, Friday, 7 to 9 Collins i9e On Tuesday, January id, 1979, WYNONA KOGER, of 301 McMechen street, Baltimore, widow of William L. Collins, beloved mother of Dr. James E. and Joyce Moore, of Silver Spring. devoted sister of Katherine Jackson, Aileen Lang and Earl Koger, all of Baltimore.

Grandmother of Joyce Collyn Nichols, of Silver Spring, Md. Friends may call at the Vernon R. Bailey Funeral Home, (successor to George G. Kelson), 1348 N. Calhoun street, on Friday from 10 A.M.

to 9 P.M. Mrs. Collins will lie in state at Union Baptist Church, 1219 Druid Hill avenue, Saturday, 10 A.M. Family will receive friends at the above church on Saturday, 11:30 A.M. until 1 noon, at whicn time Funeral Services will begin.

Interment in Arbutus Memorial Park. Those desiring, may send expressions of sympathy to the Montgomery County Unit of American Cancer Society, 344 University boulevard Silver Spring, Maryland. CUFFIEY 19e Suddenly, on January 17, 1979, CHARLES C. (BUNKY), husband of Joyce E. Cuffley (nee Swartz), and father of Margaret C.

Harrison, Michele A. Hayes, Michael and Charles C. Cuffley, Jr. Mr. Cuffley rests at the Howard H.

Hubbard Funeral Home, 4107 Wilkens avenue. Relatives and friends are invited to attend Prayers on Saturday, at 9 A.M. Interment in New Cathedral Cemetery. The family will receive friends daily, 3 to 5 and 7 to 9 P.M. FORT i9e On January 17.

1979, DR ALVIN PAUL, beloved husband of llene Fort (nee Goldstein), of Boston. devoted son of Louis and Helen (nee Herskovic) Fort, of Baltimore, devoted brother of Stephen Fort, of Baltimore and Mrs. Joan Burdette. of Columbia. Maryland.

Services at Sol Levinson Bros. Home, 6010 Reisterstown road, on Sunday, January 2 1 at 1 2 noon. Interment in Beth El Memorial Park, Ran-dallstown. Please omit flowers. In mourning at 6926 Cross Country boulevard.

FORT 19, The Ner Tamid Green spring Valley Congregational Family, deeply regrets the passing of DR. ALVIN PAUL FORT, beloved brother of our member Stephen Fort. RABBI HERSCHEL LEIBOWITZ MAX JACOB President HARVEY NEWMAN Chairman of the Board FRIEDMAN 21 On January 19, 1979, JESSICA (nee Himelfarb), devoted mother of Mrs. Harvey Lee (Arlene) Gordon, sister of the late Harry and Esther Himelfarb, Also survived by four grandchildren, Lawrence Helene Amy E. and Steven M.

Gordon. Services at Sol Levinson Bros. Home, 6010 Reisterstown road, on Sunday, January 21, at 9 A.M. Interment in Mikro Kodesh Beth Israel Congregation Cemetery, German Hill road. Please omit flowers.

Contributions may be made to the Cancer Society. In mourning, 4113 Ronis road (21208). FUKA 22 On January 18, 1979, ALICE (Elizabeth) (nee Pospisil), beloved wife of the late Steve Fuka, devoted mother of Lillian Charvat, sister of May me Fuka, Bessie Noeth, William. Norman and the late Joseph and George Pospisil, grandmother of David, Joseph, Deborah and Steve Charvat. Funeral from the Schimu-nek Funeral Home, 3331 Brehms lane (at Mannasota and Erdman avenues), on Monday, at 8:15 A.M Mass of the Christian Burial at the Shrine of the Little Flower Church, at 9 A.M.

Interment in Gardens of Faith Cemetery. Christian Wake Service will be held on Sunday, at 8:30 P.M. Visiting hours 2 to 5 and 7 to 9 P.M. The only leisure guide to Baltimore you 'll ever need THE SUN orning verting Sun day For Convtnitnt Horns OsUvsry CiM 639-1280. In Mmland, Outstdt ToN-Fres Arcs, 1-800-432-4020 DEATH NOTICES (215) ASHBY 19e The Baltimore City Dental Society announces with regret the death of our member, DR.

CYRIL ASHBY, and extends sympathy to his family in this hour of need. DR. ROBERT M. PHILLIPS President ATKINSON 20e On January 18, 1979, ALBERT of Catonsville, beloved husband of Winnifred R. Atkinson (nee Duggan), beloved father of George, Marty, Michael Atkinson and Mary Neucomb, brother of Margaret Brady, Ann Brown and Mary Terril.

Also survived by eleven grandchildren. Friends may call at the Witzke Funeral Home of Catonsville, 1630 Edmondson avenue. Catonsville (Beltway exit 14 one block east of Rolling road), on Friday from 2 to 5 and 7 to 9 P.M. Christian Wake Services, on Friday, at I 7:30 P.M. Mass of Christian Burial at St.

Mark's Chapel on Saturday, at 9 A.M. Interment in Crest Lawn Cemetery. Contributions may be made to the Radiation Department of Sinai Hospital. BISHOP 19e On January 17, 1979, J. C.

(BISH). of Pikesvilie, beloved husband of the late Martha L. Bishop (nee Levering), devot ed tather ot Elizabeth buttin ton and step-father of John Levering, of Darlington, and Lee Donald Levering, of Miami, brother of Freeman C. Bishop and Rev. Joseph P.

Bishop, Mrs. Ernest Butt, Mrs. Willis Shapley and rvirs. unaries b. uomson.

Services will be held on Fri day, January 19, at 12 noon, from the Newell Funeral Home, 1100 Reisterstown road, Pikesvilie. Interment in Druid Ridge Cemetery. Friends may call at the funeral home on Friday, from 9 A.M. until time or service. BOWEN 20e On January 18.

1979. VERNON, husband of Theresa M. Bowen, of Annapolis, Md. Funeral on Monday, January 22, at 1 P.M.. in the Tay lor Funeral cnapei, 14 Gloucester street, Annapolis, Md.

Friends may visit from 2 to 4 and 7 to 9 P.M. BRODT 20e Suddenly on January 17, 1979, MARGARET L. (nee Winkler), beloved wife of William E. Brodt, devoted mother of Carolyn Bish, loving sister of William, Marion and Vernon Winkler and the late Charles Winkler and Anna Ruppert, grandmother of Bonnie, Barry and Brenda Bish. Services at the Connelly Funeral Home of Essex, 300 Mace avenue, on Monday, at 1 1 A.M.

Interment in Gardens of Faith Cemetery. Visiting hours Thursday, 7 to 9 P.M., and Friday. Saturday and Sunday. 3 to 5 and 7 to 9 P.M. BROSH ige Suddenly, on January 17, 1979, JAMES, of Millersville, the beloved husband of Mary Brosh (nee Werner), father of Maureen P.

Lanning and Shirley A. Wheeler, grandfather of Laura Lanning and Robert O. Wheeler, brother of Elizabeth Groves. Christine Cleaver and Jessie Heiger. Christian Wake Services at the Singleton Funeral Home, 1 Second avenue S.W.

(at Crain highway), Glen Burnie, on Friday, at 8 P.M. A Mass of Christian Burial will be celebrated from Holy Trinity Catholic Church, Glen Burnie, on Saturday, at 9 A.M. Interment in Glen Haven Memorial Park. The family will receive visitors from 3 to 5 and 7 to 9 P.M. BROWN 19e Ironworkers Local no.

lb. announces with deep regret the passing of Brother Member. WILLIAM H. BROWN (Paddle-foot), and extends sincere sympathy to his wife and fam'IVVINCENT RAYMOND President 6RUNE 19e On January 17, 193, THELMA MARIE (nee Jones), beloved wife of the late William Walter Brune and devoted mother of Thelma Mae Duncan. Funeral services will be held at the Leonard J.

Ruck Funeral Home, 5305 Harford road (at Echodale). on Saturday, at 10 A Interment in Baltimore Cemetery. Friends may call Friday from 2 to 6 and 7 to 9 P.M. BUKOWSKI 22 On January 18, 1979, JENNIE (nee Calka). of Gien Falls avenue, beloved wait of the late Raymond J.

Bukows-ki, devoted mother of Anthony end Joseph Bukowski, Mrs. Praxeda Wisniewski and Mrs Marie Davis, sister of Mrs Sadie Hinterleiter end the late Felix Calka. Also survived by nine grandchildren and four greet-grandchildren. A Christian Wake Service will be held at the Leonard J. Ruck Funeral Home, B305 Harford road (at Echo- rtnlM) 1 mail A MR ni D.vi.l be celebrated in St.

Anthonys wnurcn, on rvionaay, ai A Inllmanl In Unk, Q.A... Cemetery Friends may call on Fnrlau trrtrrt 1 KA on Saturday and Sunday 12 noon to 9 P.M. DEATH NOTICES (215) GALVIN 20e On January 18, 1979, ELLA CONNOR, at Stella Maris Hos pice, beloved wire of the late William L. balvin and devoted sister of Isabel De I. Campbell Connor and the late Jo seph Michae Wi- liam Eugene G.

and Mary M. Connor. Friends may call at tha Mitchell-Wiedefeld Home, 6500 York road (at Over-brook), on Friday, 3 to 5 and 7 to 9 P.M. Mass of Christian Bunaf on Saturday at Stella Maris Hospice Chapel, at 10 a.m. viewing at the Hospice on Saturday, at 9:30 A.M.

Interment in New Cathedral Cemetery. Kindly omit flow ers. Those desiring may make contributions to Radio Mass ot Baltimore, or to the chanty ot your choice. GALVIN 20 St. Elizabeth's Guild, regrets the passing of ELLA GALVIN, a dear member of our Guild and extends our sincere sym pathy to her family.

VIVIAN YARN ELL President GALVIN on St. Joseph Hospital Auxiliary, regrets the passing of its Past President, ELLA CONNOR GALVIN, and extends sympa- iny io ner Tamiiy. MRS. GEORGE A. BACHTELL President GREEN iq On January 18, 1979, FREDERICK 3d, of Cleveland, wmo uormeny ot tssex, Md.l, husband of Evelvn Grann father of Cathleen and George Green, son of the late Frederick and Anna Green, brother of Mary Shenning, William Green ana oniriey Aitnorr.

Services at Fioritto Funeral noma in Lynnhurst, Ohio. GREEN 20e Suddenly, on January 17, 1979, OLIVER E. (OPIE), of Catonsville Manor, beloved husband of Agnes S. Green (nee Scally), devoted father of ary aeon Dr Gary, James D. and Richard A.

Green, brother of Mable Garty Una Robinson. Virainia Camo- bell, Leah LeDuce. Charlotte Lonczynski, Shirley Fink, Louise Her get and Melvin W. Green. Also survived by six Grandchildren.

Services at the McCully Funeral Home of Brooklyn, 237 east Patapsco avenue at Third street, on Monday, at 1 P.M Interment in Glen Haven Memorial Park. Family will receive friends Friday, 7 to 9 P.M., Saturday and Sunday, 3 to ana to r.M. HENRY 19e On 17. 1MM. AUGUSTA M.

(Gussie) (nee Yankeh of Hampden (formerly of S. Baltimore), beloved wife of the late Carl Henry and sister of Minnte Deegan. Also survived by a number of mecas and neDhews. Services at the McCully Funeral Home of S. Baltimore, 130 E.

Fort avenue, on Saturday, at 10:30 A.M. Interment in Loudon Park Cemetery. Family will receive friends Thursday, 7 to 9 P.M., and Friday, a to ana to r.rvt. HERRING 19e On January 18, 139, AUGUST LOUIS, beloved husband of the late Mary Her ring (nee Bueatr), devoted father of Margaret Porrovic-chto. Catherine Bnnkman and Messrs.

August, Jerome and tugene Herring. Also survived bv 1 7 Grandchildren. Friends may call at the Hee- mann Funeral Home. 6067 Harford road, on Thursday from to r.M., ana i-naay, from 2 to 5 and 7 to 9 P.M. Mass of Christian Burial in St.

Dominic's Church, on Satur day, at 9 A.M. Interment in Lorraine Park Cemetery. Christian Wake Services on Friday, ai r.M. HERRING 20e The Retired Fire UTticera ano Firefighters Association, announces the death of AU GUST L. HERRING and ex tends deepest sympathy to his family.

JOHN ROBERTS President HOPKINS 19e On January 16. 1979, EMMA MAE (nee Eckels), formerly of Shannon drive, beloved wife ot the late Arthur Gorman Hopkins and dear sister of Alfred and John Eckels and the late Louise Dehn, Rosa V. Or wig and Robert Eckels, dear aunt of Ethel Mae Evans. Funeral Services will be held at the Leonard J. Ruck Funeral Home, 5305 Harford road (at Echodale), on Saturday, at 9 A Interment in Loudon Park Cemetery.

Friends may call Thursday and Friday, 2 to 4 and 7 to 9 P.M. INSCOE 20 On Thursday, January 1 8, 1979 RAYMOND beloved husband of Delores (nee eiss Friends may call at Lortng By era Chapel, 8726 Liberty road (2 miles west of Beltway exit 18), on Thursday, 7 to 9 PM and Friday, from 3 to 6 and 7 to 9 P.M. Service on Saturday at 9 A.M Interment in Western Cemetery. ticipation in a liL-. 4ki- insured by either the VA or the FHA.

You Cam in tkio mnti TC JAH'f country, why don't you get out of it? are, in other words, literally buying a part oi someone sons mortgages. Because mortgages are paid off with part of the homebuyer's payment going to interest and part of it to the retirement of I Steady, now, let's not get patriotism confused with the realities of life. If Uncle Sam, with the blessings of the electorate, wants to run a continual deficit that has to be financed this way, he might as well accept the fact that he has to compete for tha mnruiv itict lilrA anu nthar knrrnuror principal, that part-financer of ASKing me people on me oasis ot patriotism to lend money to the United States at 6 percent while at the same time letting inflation romp along at the rate of 9 per-' cent, resulting in an annual net loss of 3 percent, strikes me as dirty pool. .1 Durine World War II. when, sake ot survival, it was absolutely imperative that we snpnrl mnre than we took in tn the war effort it was to "pitch" savings bonds triotic basis.

I find it a bit hypocritical to-day. For some investors (I didn't say they were "bad" for everyone under all cir-, cumstances), U.S. Savings bonds are all right They're absolutely without risk (im- nnrtant to some nennle) and thanks to payroll withholding plans, they tainly painless enough to accumulate. Those are legitimate enough selling points wirnnui irv ne tn wran mp prinri in ine. money.

(The part representing interest is taxable to you; the part representing your return of principal isn't.) It would be a good safe investment for you, and there's only one danger in it, the danger of spending that returned principal as you get it, just as you do the interest Remember that in about 12 years (that's the life of the average Ginny Mae) the money stops, both interest and principal. So you've got to vow to reinvest that principal portion as you receive it. I bought some stock on the 25th of the month. The "date of record" was the 31st. But I did not get the dividend because the disburser (a bank) said the stock was issued the seventh of the following month and therefore I was not on record until then.

Does it usually take this long to get "on record?" I thought the date of record was the date the sale took place, not when they get around to issuing the stock. A. Computerization notwithstanding, there is still a time lag here in getting the name of the old owner off the books and the name of the new one on, and that takes about five business days. I don't know what month we're talking about here (how many days are in that month, whether a weekend was involved which it apparently was or whether there was also a holiday). The best way to determine once and for, all if the bank is right or not is to go back to the newspaper files on the day you entered your "buy" order If the symbol appears there, it means that, sure enough, you weren't entitled to the dividend.

Sorry. (Mr. Campbell answers questions of general interest. He cannot take telephone calls. Letters may be sent to him in care of The Evening Sun, Baltimore, Md.

21203.) American nag ana maKing it everyone "duty" to buy them. I am interested in the Ginnv Mae for the iwrfertlv on the na- are cer to get save for uci mi- pvi itui a better Maes is what a certificates that you mentioned recent-" ly. I am a widow with a year old son, in! nlthnil rth I An nnt It i A itfh Aatk of monev to invest I am trying the highest return possible to uis cuucauuu. mgui nun i ovc Ear and enjoy READ CRAIG CLAIBORNE'S FOOD COLUMN EVERY WEDNESDAY EXCLUSIVELY IN THE EVENING SUN cam mm a uiun pacing i.r for six vears. Which would oav return over the years, the Ginny Maes or my certificates? You said that the current interest rate on Ginnv 8.3 to 8.6 percent, which is paid monthly "along with a partial return of prin- cipal." Could you please explain fur- i i turned? A Tha uioln is oven hidhpr sinrp last I at 9 percent or a bit more.

We have to realize first just 0 a THE EVENING SUN. Friday, January 19. 1979.