Estherville Daily News from Estherville, Iowa on December 28, 1972 · Page 5
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December 28, 1972

Estherville Daily News from Estherville, Iowa · Page 5

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Estherville, Iowa
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Thursday, December 28, 1972
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ESTHERVILLE DAILY NEWS, THURS., DEC. 28,1972 Page & Women Claim Discrimination in Obtaining Credit By LYNNE OLSON Associated Press Writer Women who claim they've been denied credit because of their sex are becoming increasingly militant in demanding equal rights to credit cards and loans. In response, a number of major stores, credit card companies and banks say they are changing or clarifying their credit policies, and some creditors are actively pursuing the business of women. "A year ago, women just accepted discrimination without question," said Carole De Saram of the National Organization of Women. "Now they're no longer taking it. They're asking, 'What do you mean I can't have a loan or credit?' Hundreds of women— and even some husbands— are up in arms." "There's been an enormous increase in the number of women demanding equal access to credit," said Barbara Shack, assistant director of the New York Civil Liberties Union. "Women are much more mili- Your CMuwk UNION STATE LINE LUTHERAN Norton McCaughan SUNDAY 9:30 a.m. Sunday School. 10:45 a.m. Worship Service. WEDNESDAY 2 p.m. ALCW. 7 p.m. Confirmation Class. 8 p.m. Council meeting. WALLINGFORD LUTHERAN Wesley Brodin SATURDAY 7:30 p.m. Myron Linn and Leanna Rustad's wedding, wedding. SUNDAY 9:30 a.m. Student Recognition Sunday — in which our youth will have a part in the service. REDEEMER LUTHERAN Harold R. Brown SUNDAY 10 a.m. Family Worship Service. The Rev. David Bolstorff, Waldorf Football Coach and Chaplain will be the guest speaker. "Coffee and . . ." fellowship immediately following the service. THURSDAY 7:30 p.m. Lydia Circle meets at the home of Mrs. Robert Gordon. Mrs. Oscar Olsen is the Bible Study leader. May you have a healthy, happy New Year! CALVARY GOSPEL ASSEMBLY Raymond W. Wuerch SUNDAY 9:45 a.m. Sunday school with classes for the whole family. 10:45 a.m. Morning worship service. 9:30 p.m. Evening Watch Night service. The first part of the service will be a baptismal service. There will be a break for refreshments at 10:30, after which there will be a time of singing, sharing and prayer. Communion will also be observed. WEDNESDAY 2 p.m. Ladies prayer fellowship. 7:15 p.m. Choir rehearsal. 8 p.m. Prayer and Praise service. THURSDAY 7:30 p.m. The Lundstrom team will be in the Roosevelt Auditorium. Plan to attend. UNION BAPTIST Val Hauck SUNDAY 9:30 a.m. Bible School for the entire family. For transportation call 362-4502. 10:30 a.m. United Worship Service. Sermon "3 Markers On Highway '73" by Pastor Hauck. Dedication of all 1973 Leaders. Sr. Choir and Special Music. The Public is invited. 6 p.m. Planning and Training hour. 7 p.m. United Watch Night Service 7 to 8 p.m. Our Home Missions in Color Film and Recorded Music and Message. Pastor's World on "Key '73". Special Music. 8 p.m. Deacons meet with Pastor. TUESDAY 2 p.m. Ladies' Cottage Prayer. WEDNESDAY 7 p.m. Church Night inEsther- ville. 7 p.m. Boys and Girls meet. 7 p.m. Bible Study and Prayer led by Pastor. 8 p.m. Trustees meet with Pastor. 8 :05 p.m. Sr. Choir rehearsal. THURSDAY 7:30 p.m. Area Rally at Roosevelt School with the Lundstrom Team. SATURDAY Key '73 TV program of 30 minutes entitled "Faith in Action." SEVENTH-DAY ADVENTIST Charles Stout John L. Johnson SATURDAY 10 a.m. Sabbath School. "Delay of the Advent." 11 a.m. Worship Service. CHURCH OF CHRIST (Vocal Music Only) 1632 Sixth Ave. N. Carl Whirley DAILY 7:45 a.m. "Way of Truth" over KILR. SUNDAY 10 a.m. Bible class. 11 a.m. Worship. 6 p.m. Sunday evening service. WEDNESDAY 7:30 p.m. Evening service. TRINITY LUTHERAN Paul L. Wiegman SUNDAY No Senior Choir Rehearsal. 10 a.m. Family Worship Service. Sermon: "Why We Can Say 'Happy New Year' and Mean It." Nursery and Pre-Primary Class during the service. Coffee Hour following the service. WEDNESDAY 4-4:55 p.m. Cherub and Junior Choirs. 4:55-5:45 p.m. Church School Classes and Confirmation. 8 p.m. Lutheran Church Women meet at the church. Program Elinor Bohnsack. Devotions, Pearl Wieting. Hostesses: Pearl Wieting, Helen Vaubel, Wanita Sunde, Linda Wiegman and Ruth Nelson. CALVARY BAPTIST G. O. St. Lawrence SUNDAY 9:30 a.m. Sunday School for all ages. 10:30 a.m. Morning Worship "My Task". 2 p.m. Service at Rosewood Manor. 8:30 p.m. Watch Night Service for the entire family. End the old year right, Start the new year bright, Come to Calvary tonight. Film: "Centerville Awakening" Message: By Dennis Keeler. TUESDAY 1:30 p.m. Women's Fellowship at the McManness home 1011 North 5th. Mrs. Ray Pope, speaker. WEDNESDAY 7:30 p.m. Bible Study and Prayer time. UNITED METHODIST Richard L. Pearson SUNDAY 8:30 a.m. Divine Worship, Estherville Lutheran Church. Broadcast over KILR. 9:30 a.m. Church School. 2-5 p.m. 50th Wedding Anniversary of Mr. and Mrs. Jens P. Christensen at Masonic Lodge NO GIFTS PLEASE. TUESDAY 7 a.m. Leadership Training, Friendship Room. 9:30 a.m. Study Group, Home of Mrs. Larry Winer. WEDNESDAY 4 p.m. 7th & 8th Grade Confirmation Classes. 4 p.m. Wesley Choir. 4 p.m. Special Sessions. 4 p.m. Prayer Group. 6 p.m. Sr. High UMYF Supper. 7 p.m. 8th Grade UMYF. 7:30 p.m. Finance Committee. 7:30 p.m. Commission on Education. 8 p.m. Chancel Choir, Estherville Lutheran Church. FRIDAY 2 p.m. Alpha Club, Friendship Room. 9:30 p.m. Hampton House for all 9th Graders. tant, and it's having an effect on retailers and lenders." Ruth Holstein, executive director of the National Commission on Consumer Finance, said the increased protests stem from widespread national publicity about the commission's hearings last spring on the subject of women and credit. 'Witnesses, including several congresswomen and Women's Bureau Director Elizabeth Koontz, told of single women with good incomes who suddenly had their credit accounts Bible Thought And Jesus came and spake unto them, saying, All power is given unto me in heaven and in earth. Go ye therefore and teach all nations. - Matthew 28:18-19. God holds us responsible for the wise use of the power and privilege extended to us. PALESTINE LUTHERAN Norton McCaughan SUNDAY 9 a.m. Worship. 10 a.m. Sunday School. FELLOWSHIP TABERNACLE Beryl Vinchattle SUNDAY 10 a.m. Sunday School. 11 a.m. Morning worship. 7:30 p.m. Worship and sharing service, WEDNESDAY 7:30 p.m. Fellowship service. Everyone is welcome at all of the services. ST. PATRICK'S CATHOLIC Msgr. James Guhigg Father L. Burns MASSES SATURDAY 6 p.m. SUNDAY 8:30 & 10:30 a.m. WEDNESDAY 7 p.m. DAILY 7:30 a.m. CONFESSIONS DAILY Before each Mass. SATURDAY 3:30 to 5 and 7 to 8 p.m. FIRST CHRISTIAN (Disciples of Christ) Robert Karl Miller SUNDAY Student Recognition Sunday 8:30 a.m. The Church's School (All Ages). 9:30 a.m. Worship & Communion service. 10:30 a.m. Coffee Hour in Fellowship Hall. 6:30 p.m. AA — Alanon New Years Eve Party. MONDAY 8 p.m. A A — Alanon meeting. WEDNESDAY 3:45 p.m. Chi Rho meeting. 7 p.m. Choir rehearsal. 8 p.m. C.W.F. Executive meeting. FIRST PRESBYTERIAN H. Allen Wirtz Richard Headen, Assistant SUNDAY 9 a.m. Early Worship Service. 9:15 a.m. Choir Rehearsal. 9:45 a.m. Coffee Hour. 10:30 a.m. No Church School. 10:30 a.m. Worship Service. Broadcast over KILR Radio. 2 p.m. Balmer Nursing Home Worship. TUESDAY 9:30 a.m. Bible Study. WEDNESDAY 9:30 a.m. UPW Executive Board meets at Barber Hall. 6 p.m. Choir for grades 1-6. 6:30 p.m. Church School for grades 1-8. FRIDAY 1 p.m. UPW Luncheon with 1972 Executive Board, serving. ESTHERVILLE LUTHERAN Oscar E. Engebretsen, Interim SUNDAY 8:30 a.m. Methodist Worship. 9:45 a.m. Estherville Lutheran Worship. Coffee following service. 11 a.m. Sunday School. 11:15 a.m. The Christian Woman Speaks over KICD Mrs. Donald Pro narrator. MONDAY 9:45 a.m. New Year's Day services. TUESDAY 6:30 p.m. Scouts. WEDNESDAY 10:15 a.m. Pastor has devotional on KILR. 4 p.m. 9th Grade Confirmation Class. 7 p.m. Senior Choir. THURSDAY 7 p.m. 8th Grade Confirmation Class. SATURDAY Watch for Special T.V. Program on Key '73. closed when they married. They were told they had to reapply in their husbands' name, in the process losing their own credit ratings. There were instances of widows and divorcees whose credit accounts were canceled when their marriages ended because the credit belonged to the husband. Also described were working wives whose earnings were not counted toward eligibility for mortgage loans and single, divorced and widowed women with substantial incomes who had to have male cosigners before getting loans. Several women's rights organizations, including NOW, the Women's Equity Action League (WEAL) and the Women's Lobby, say they're planning stepped-up fights against sex discrimination in credit. NOW will mount an "organized and concerted" national campaign in 1973, which may include demonstrations and boycotts, said L y n n e Litwiller, head of NOW's task force on taxes, credit and finance. Miss De Saram says she's received more than 100 requests from individuals and organizations throughout the nation for advice on how to organize groups to protest discrimination and work for equality in credit. One of the requests came from the Atlanta YWCA, which plans an extensive investigation of credit practices in Atlanta and' eventually a permanent task force on credit. The Dallas chapter of WEAL just completed an investigation of Dallas creditors and will urge stores and banks to make credit policy changes as a result. Most creditors insist they do not deliberately discriminate and their only criterion for extending credit is the ability of the applicant to pay. Retailers say it's more convenient and less costly for them to have a married woman's account in her husband's name. Lenders say they're wary of counting a wife's income for loans because she may quit her job, in many cases to have a baby. There are signs that the protests are having some effect. A subcouncil on credit for the National Business Council for Consumer Affairs acknowledged last month in its report: "Discrimination against women in credit granting systems can be subtle, but serious, as shown in recent hearings on the subject by the National Commission on Consumer Finance." The council recommended that "consumer credit granting criteria should be the same for men and women. When they meet these criteria, married women who so request should be granted credit in their own name." Members of the subcouncil included top officials of J.C. Penney's, American Express, Household Finance Corp., First National City Bank and Bank of America. John E. Patterson, credit manager for Franklin Simon, a New York clothing store chain, said retailers are beginning to "show an awareness of their lack of recognition of women in the granting of credit." "Many major stores have already changed their policies toward women," Patterson said. "They have to— in order to compete. It's a simple matter of dollars and cents. We need the business of women." Franklin Simon, like a number of other stores across the nation, recently changed its application form to one that uses the terms "applicant" and "spouse," allowing for use by either sex, rather than asking for information on husband and wife. Gilchrist department store in Boston recently issued a special Ms. application blank for women who want a card based strictly on their own credit ratings. There are no questions about spouse or husband. Bankamericard is contacting women workimg in the area of credit for advice in drawing up new guidelines for member banks in granting credit to wo­ men. "It's a plain and simple fact of life that women are excellent credit risks," said Charles Hayward, vice president of First National City Bank in New York, who says his bank treats men and women equally in granting loans. Hayward, who said First National City counts the income of wives in considering couples' applications for mortgages, adds: "Women certainly are as capable as men in planning their futures. There's no reason why there should be any difference in considering their applications. "To me, it's just a commonsense thing to do. It's an obvious business opportunity." Emergency Disaster Loans End WASHINGTON (AP) - The Nixon administration has shut off emergency disaster loans to farmers in another move to hold federal spending to the $250-billion ceiling the President has imposed. The Farmers Home Administration was ordered Wednesday to halt the flow of loans to farmers in counties designated disaster areas as a result of severe weather damage to crops, livestock and other property. The Agriculture Department said FHA field offices were instructed to stop accepting applications for aid in counties where the loans had been available for 60 days or more, and in other counties, when the two- month deadline expires. George C. Knappl, an FHA assistant administrator, said he had no idea how much money the government might save by the order. Emergency FHA loans since July 1 totaled$79 million to 15,855 borrowers as of Nov. 30. A total of $140 million in emergency assistance had been projected for the fiscal year ending June 30. But other USDA sources put the figure much higher, perhaps near $600 million by next summer. Farmers throughout much of the nation, including the Corn Belt, have suffered extensive crop losses this fall because of poor harvest weather. FHA officials said agency field officers in the stricken harvest areas were told weeks ago to stall making formal aid requests until officials were certain of the size of losses. The order Wednesday, however, virtually eliminated chances for new relief actions for counties not on the government's disaster list. Counties can get disaster status either from President Nixon or Agriculture Secretary Earl L. Butz. But the order said "no other secretarial designations are expected for the balance of 1973" and that all disaster designations by Nixon will expire automatically June 30. But the cutoff will be much earlier, Jan. 15, for loans in some areas designated by Nix­ on this year, including much of USDA said the loan shutdown the Eastern seaboard hit by "was taken to counteract in- Tropical Storm Agnes and the flationary pressures" and to flood-swept Rapid City, S.D., keep the federal budget within area. a $250-billion limit set by Nixon In its brief announcement, for the current fiscal year. Grain Bin Leases Extended WASHINGTON (AP)--An order requiring the Agricultural Stabilization and Conservation Service to sell half its government-owned grain storage bins has been revised by the Department of Agriculture. Rep. Wiley Mayne, R-Iowa, said Wednesday the revised order assures lessees the use of the government-owned bins through May 31, 1973, coinciding with the loan expiration date on field corn. The USDA had ordered half the government-owned bins be emptied within 30 days so that they can be sold, but the order was modified after an urgent appeal by Mayne. In a telephone call to James McMahon, federal ASCS administrator, Mayne said that "serving notice now that lessees have 30 days to empty these bins would be a most untimely action. "It would aggravate an already serious grain handling situation brought on by transportation bottlenecks and late harvest of a huge crop of wet corn." •SERMON: "STATE OF OUR UNION" •FILM OF EXPL0 '72-D0N'T MISS *at union baptist, estherville, dec. 31, 10:30 & 7 p .m. rvl C } R Ml LI Emmet County State Bank MEMBER F.D.LC. "In A Good Community" •illlll>llttlllllllllllllllllllllllMllltlllllllttlllllllMMIIIIIMItlMltMIIMIIIIttllllMkllllllMllltllllMIIMt(lllllllllll(lllllllllltltlll>llllll)lllllltlllllllllllltlllll|J | These Religious Messages, Winner of 14 National Awards from | the Freedoms Foundation, Valley Forge, Contributed to the Cause | of the CHURCHES by These Individuals, Businesses & Industries 1 . . .All Interested in a BETTER COMMUNITY and WORLD! They De| serve Your Continued Support! TlKfllDllf llliXllllllllllllllllllllMIIMII Mill UltMlllltllllltll lltllllllllllKlllillllllllllltttlillllllllllillllKlltMiailitllllllMMIIIMIIIItlltillllin Bradshaw ft Short, Inc. Buick-Chevrolet-Sales & Service 2303 Central Ave. Estherville, la. Joyce Lumber Company 201 Central Ave. Phone 362-3508 La Charm Beauty Shop Look Your Best for all Occasions" Ruth Petersen - Sheryl Reinesch - Sharon Mahin. Below Gardston Hotel- Phone 362-2732 Clem Mergen Distributor Land O* Lakes Dairy Products Phone 362-2848 Great Plains Supply Co. Estherville, la. Phone 362-2654 Rosewood Manor Nursing Home The most wonderful Atmosphere of this area is available at Rose' wood Manor Nursing Home in Efr therville at 2001 1st Ave. No.— Ph. 362-3594. The trained personnel here are always striving to excel in the entire care and supervision of their guests for their needs and wants — rooms are large and airy and exceptionally clean. Rosewood Manor has been highly praised by the author of Town and Country Review. Mr. and Mrs. John Hofstader— Owners and Administrators. Merv's Auto Repair Complete Auto Service - Trucks Tractors - Welding - 1815 3rd Avenue South - Phone 362-4444. GOLDEN SUN FEEDS- •1 herirllle. Im Rohlin Construction Co., Inc. Estherville, Iowa Olson Electric Service 113 S. 6th St. Phone 362-2412 Lyon's Pastry Shop 17 S. 6th St. Tel. 362-4339 Wadco Foods, Inc. 20 Fourth Street North Estherville, Iowa 51334 No! But it took the Scots to remind the world how friendship reaches across the passing years. As the ball of light falls over Times Square once again millions of hearts will stir to the familiar strains of Auld Lang Syne. Other precious values reach across the passing years. One of them is faith. At its simplest it is man's awareness of friendship with God. At its noblest it is man's confidence that time will unfold new experiences of God's affection for us. Something else reaches across the passing years. It is worship. Its moods and forms may gradually change . . . from the cathedral chant of the middle ages, to the simplicity of the cottage prayer- meeting—even to the rhythmic beat of so-called contemporary services. But worship itself does not change. In whatever mood or form, man expresses his devotion to his Lord. And whatever may have been your spiritual tempo, the New Year in the churches of our community offers new incentives, deepening opportunities, in faith and worship. Sunday Revelation 17:75-19 Monday Revelation 22:16-21 Tuesday I Peter 2:4-10 Wednesday I John 4:7-17 Thursday James 1:2-18 Friday Hebrews 3:1-6 Saturday II Corinthians 5:7-70 14 N. 7th- Ph. 362-2365 Ray's Farm Equipment, Inc. Oliver Sales & Service - Highway 9 East, Estherville, Iowa Recher, Inc. Motor Supply Company. Hardware Elec. and Plumbing Supply Co. Complete Machine Shop Service. Estherville and Sheldon, Iowa Kraffft Music Co. ESTHER VILLE-SPENCER "WE SELL FUN" Copyright 1972 Ketsler Advertising Service, Inc., Suasburg, Virginia Scriptures selected by the American Bibte Society K & S Lumber Co. Koenecke & Stump f Estherville, h,"v;^«t, J3#&#K3

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