The Des Moines Register from Des Moines, Iowa on May 10, 1970 · Page 21
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May 10, 1970

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The Des Moines Register from Des Moines, Iowa · Page 21

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Des Moines, Iowa
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Sunday, May 10, 1970
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Page 21
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Mr. ftnd Mrs. Robert Shields with Robert Allen, 6 months old* Denver, Goto. The amazing saga of 1st Lt. Robert Shields of Cresco, Who skied in the German Alps less than four months after : his leg was-blown off in Viet- fiordon >»•-.•.• ••Wrtjfc '1 ;».«& 1 ammack • • V ••••• VWVf *••••• V ••••••*•**'• w * vv W* W*V«***WV*OV«««VV»*W««vwv«w«wwvwvw — vvww nrtf » y -irr p This Is Year or By Ottft Kwatitri year 1970 is the Year of the Locust in the eastern Uttited •L States, the year When the great brood of it-year locusts is scheduled to emerge. The vast horde df insects is spread across all the states east tff the.Mississippi River except in the extreme northeast and south. ;..__.. One small off-shoot of the brood is believed to be in Iowa. This lost brood was reported in Wtfodbury County prior to 1900. A .search ^ Versity Extension Entomologist Itarold Gurtderson, but none was heard or seen. But in the eastern U.S., one of nature's great natural wonders will unfold. It began in late April in the southern part of the range and runs into June in the northern part. Some unknown biological clock has told the cicada nymphs that their 17 years underground is coming to an end and they have been burrowing upward through soil left soft by frost. .An inch or two below the surface they stop and wait. Then, one evening, as if by a pre-detefmined signal, they emerge—thousands, millions of them, pushing up through the • **t**l*M**l*»l»««*4*M**H**«*t«*«*«4*ti**M* 17-Year Locust litter of leaves, searching desperately for a tree, a bush, a wall, anything to cling to While they.$lied their skins and become adult cicadas. As many as 40,000 have been counted emerging from under one large tree. The earth looks like a sieve with their holes. LOCUST*- PJcase turn fo Page Five ••••*•*•*•••••••**•••••»••••••••«• tt>*i«tt«i**«*t ••••*»••»•••••••*••**•••• •«••••••«•• Moineg) Iowaj Suntlay Morning, Ma (READER BONUS 1 Your THIRD News Section \ nam, begins .with the awful moment when his left foot triggered a mine some 1,000 meters from the Cambodian border. In these words, he tells of the incident that occurred last Dec. 1: ' "The mine was a pressure-release type thing. I happened to be lucky in the fact that I was running at the time. Otherwise I would have had both legs blown off. "It was the type that when you step on, and then step off, it goes off. I was already over it when it went off. And it just lifted me. I was horizontal to the ground and 10 to 12 feet in the air and it set me right down in the middle of a rice paddy ~— with my foot going that way and me going the other way." Did Lieutenant Shields actually see his leg, detached from his body, sailing through the air? . "Right.That's the amazing part about it. "As I went up — my R.T.O. (radio telephone operator) right behind me, he didn't get blown into the air but the radio got blown off his back — the radio and myself were going up ... I happened to be positioned where I could see my foot going off in the distance." Fantastic Timetable \ Lieutenant Shields' timetable after the accident is equally fantastic: Dec. 1-3: Emergency treatment at the 12th Evacuation Hospital, Cu Chi, for shell fragments in his right leg, what was left of his left leg, arms and bladder. Dec. 4: Evacuation to Army hospital in Japan for treatment and body buildup for the flight across the Pacific. Dec. 13: Arrival at Fitzsimons Army General Hospital at Denver. Dec. 14: A walk with crutches. "I wasn't supposed to ge,t out of bed.'I had * catheter and tubes in me. I just decided I wanted to walk; got some crutches and started walking. They gave me hell at first; then were really pleased that I could do it." . . Dec. 18: First attempt to ski, on one leg, at Arapahoe Basin, 12,000 feet high in Uw Rocky Mountains. Dec. 26: Convalescent home leave to Cresco for his first glimpse of his son, Robert Allen, then two months old. Jan. 26: Fitted with an artificial leg, extending from the below-knee stump. Feb. IS'-Mastered the most difficult and steepest slopes at Arapahoe Basin, skiing with his artificial leg. Mar. «: Departure for Garmisch, Germany, with two other Army amputees from Vietnam combat, for three weeks of skiing, six to seven hours a day. (The trip was part of the International Trade and Exchange Cultural Program with three German amputees from World War II coming to Aspen, Colo., for skiing at the same time.) Apr. 30: Fitted with a new artificial leg, with adjustments made necessary by physical activity, and Shields' declaration: "I'll place a large size bet that no one who isn't familiar with amputees or has worked with them would know that I'm an amputee unless I told them." Shields' convalescence is nearly over now and he hopes the Army will let him return to active duty. Meantime, he is living near the hospital with his wife, Kathy (the daughter of Mr. and Mrs. Max Lunstrum of Dumont where her father is high school principal), and little Bob. Of his skiing experience, the 24-year-old infantry lieutenant says: "It has helped me tremendously to overcome any fear of not being able to do what I did before." Lieutenant Shields thinks there is a raarvelously progressive program for amputees at Fitzsimons: "The people here are really t fabulous. They keep you going to the point you don't, . have any feeling of depressions. So you look forward; not back. You just drive on." , His Return Home - ^ Shields says there was only one time when he felt depressed. "At first, those first couple of weeks, you're wjth other guys in the same boat and you know most of them are a lot worse off than you are. I could see that if you were off by yourself it would be awful and you'd feel sorry for yourself. But being with other fellows, this has a wAyDf irtillding you up. "The only time I felt depressed was when I first saw my wife and parents again — and that wasn't too serious." What were Shields' reactions immediately after being hit and seeing his leg fly off? .:. "I was angry, angry because I couldn't perform with my men; set up security, that type of thing; that 1 couldn't do anything but give orders. My machine gunner got hit first and a dus>off (helicopter) was on the way when I got hit. When a platoon leader gets hit you abort the mission and take everyone back. So I called in the command and control ship (helicopter) for himself and ttie other wounded." Was the pain very great? "Yes. I had an extraordinary medic but he gave all his morphine to the first man hit. At first, it was just numbness. Then came the pain. I had serious internal injuries. My bladder was completely torn t, as I found out later. "But it only lasted 10 or 15 minutes; then I was in the hospital at Cu Chi." Mostly, he looks forward, building from the two y.ears he had at Ellsworth Junior College^at lows Falls, and op- ward to a full and useful life. SUNOAY REGISTER PHOTO Got It Made in the Shade at Ledges It was fine weather for a nap when Kevin L»y- erla visited the Ledges State Park south of iBoone recently. Kevin is the infant son of Mr. and Mrs, Melvin ~Lyerla of Jordan^ Be Sure on Those Time Payments Before You Buy By Margaret Dana (A Weekly. Information Servlct for Consumers) Before you commit yourself to another installment contract, find out what will happen to that contract after you've signed it. If your dealer says it will be kept by him, and that he will accept responsibility for-the merchandise or service sold to you, ask him to put the same in writing. If he tells you it is his practice to sell all such contracts to a finance company or bank, then ask if that means the contract Will come under the "holder-in-due- course" doctrine. What this means is that, under current legal precedent, once an installment contract is sold as "commercial paper" nobody is obliged to carSTwhat happens to either the merchandise or service you bought. Except in a few states which have passed laws prohibiting this use of holder-in-due-course practice, the consumer is caught. , •The attorney general of New York State has been trying for some time to get his state to pass a law preventing this practice. He says: "All too often this has been the cause of of Agriculture inspect most plants of these producers 'and insure control of sanitary handling and purity. Milk Labeling Q lt has been our understanding 'that all milk sold has to be labeled as to butterfat content, such as 3.8 per cent or 4 per cent, etc. Recently most of the milk sold in our vicinity no longer furnishes this information. A The composition of milk varies from cow to cow and season to season. For these reasons minimum standards for whole milk have been set by individual states. Many 'states define whole milk as that which contains not less than 3.25 per cent milk fat and not less than 8.25 per cent milk solids-not-fat. Mother of Pearl Q l WOULD LIKE to know what mother-of-pearl is and what it is made of. A clerk in an import store told me it came from oysters but price, shape and stee do not fit into what I know of a pearl. _ A . Mother-of-pearl floes actually come from oysters—the inside delicate lining of their shells. This has the same naturally iridescent look of pearls, with more color, and is used' as decorations on furniture, oriental jewelry,' etc. It is, of ( course, far less costly than pearls and is removed from the shell in flakes for inlay purposes. • tr m»U. S»nd .'MUr qutilions It ox. TM PM MiRus RM ster, P.O undue harassment of the consumer, loss of jobs, repossession of property, and payment for merchandise or services received in defective condition, or even never received at all." Iowa's Atty. Gen.:Richard Turner recently said that in his opinion a dealer's selling an installment contract without the, knowledge and consent of .the customer, after having agreed not to sell it, is in violation of Iowa's Consumer-Frauo^Act,—_ Robert Shields on skis. Gordon Gammack's coliuna appears daily in The Des Moines Tribune. The Federal Trade Commission also has become concerned aboutHhe damage the misuse of sales of commercial paper can do, especially to the low-income or uninformed consumer. In its 1968 report of a study of the Consumer Protection Program in the District of Columbia, the FTC said: "Application of the holder-in-due-course doctrine to consumer instruments (contracts) has led to many abuses. It is simply unfair to permit a vendor to sell shoddy or defective goods, which sometimes are not even delivered, then to coax,, wheedle or coerce the buyer into signing a negotiable in. strument, then disappear — and by assigning the (contract) prevent the deceived or defrauded consumer from asserting his legitimate defenses in an action on the note." Massachusetts and Vermont 1 "have had on the books for several years laws which prohibit this misuse of a commercial paper funding. I know of an instance in which a consumer bought an expensive washing machine that never worked, and another case in which landscaping materials were bought on installments and half were never delivered. Jn each case no manufacturer was involved. Bringing suit in court against the dealer would not have been a possible answer, financially. So watch those installment contracts, and find out what happens — if they are sold. Orange Juice Q HOW DOJSS a consumer tell the quality oj frozen orange juice concentrate? Only a few brands say anything on the label, except perhaps "100 per cent pure concentrated orange juice" or "75 per cent of water removed." A Almosf all-orange juice concentrate is packed under high standards of quality control set by the industry. Experts from the Consumer and Marketing Division of the Department SUNDAY REGISTER PWOTO BY DICK COLE CAR INSURANCE ARBITRATION By Jerry Knight When Mr. A's car hit Mrs. B's car at a small town intersection recently, it wasn't clear who was at fault. The two drivers made claims under the collision coverage of heir auto insurance" 1 , paid the usual $50 "deductible" themselves and let the insurance companies pay the rest. let a single arbitrator handle it, Crouch turns the files over to one of his five colleagues. Files Are Read The arbitrator reads the files and, on the basis of his experience in claims settlement, decides Mrs. B was at fault.-Her insurance company is ordered to pay Mr. A's insurance A few weeks later, however, | c °mP a "y for his claim, and to Mr. A got a check for his $50iP a y Mr - A for the deductible from Mrs. B's insurance com-': P avment ! The decision is final and can- Disputed Claims i not be appealed to the courts or 'Something Mr; A had-ney.er,|_ re °P ened unless there is " an heard of, intercompany arbitration, had gotten him his $50: ~ Arbitration, which costs $4.50, is being used by insurance companies .to settle disputed auto insurance claims /that could cost several hundrecrdol- lars to decide in court. Cast year it let Iowa insurance companies settle more than a quarter-million dollars worth of disputed claims for JM92. If these cases had gone to court, attorney fees would have run at least $50,000 and many of the disputes would still be tied up in the courts. Instead the cases were turned over to the local arbitration committee — six veteran insurance claims men, headed by Jewell Crouch, Iowa claims manager for Employers Mutual Companies. An arbitration panel — three men on larger cases, one man on smaller ones — decided all the disputes. The only cost to the companies was a $4.50 filing fee to cover the cost of paperwork. Thousands Saved Arbitration is saving Iowa insurance companies and their policyhojders -thousands of dollars a year, said Walter Hughes, vice-president of Hawkeye Security Insurance here. At the same time, he pointed out, "It takes a lot of these little claims out' of the courts, letting them work more efficiently." "It makes sense economically for us," Hughes added. "In most instances we're getting equally learned judgments (as in court) for a lot le.ss money." -Usually limited to property damage claims of less than handle disputes between insurance companies, not individuals. It-is used-after the companies have paid their policyholders,- to settle disputes between the insurers over who ultimately must bear the cost obvious error," such as a mistake in reporting the results. The aVerage dispute handled by the Des Molnes arbitration committee involves less than $1,000, Crouch said. The $2,500 limit — which can' be waived by the parties— will cover the cost of repairing- most cars, he pointed out., A. case, however, can involve twice that much money if there is a counterclaim and each company is trying to collect from the other. Most cases are handled by a single man, Crouch explained. Use of a "one-man panel" is automatic in cases of less than $500 unless one of the parties objects. Three-Man Panel When the amount disputed is larger, or the issues more complex, the companies can insist on a three-man panel, deciding by majority vote. "More often than nojt" such decisions are unanimous, CroudTaddedr"" The companies have the right to call witnesses or make personal appearances in the* cases, but that isn't common. It may take from 10 minutes to two hours to review a case and decide it, Crouch added. Working at home one Sunday recently, he said be handled 20 cases in about eight hours. • As are all the' arbitrators, Crouch is unpaid. Nominated by his company lor the arbitration board, he 4s- selected—on_the- basis of his qualifications by the national office of the Inter- company Arbitration Agreement. Hughes said his company finds Jhe arbitration approach "fair and equitable." In the final analysis, he said the insurance companies can expect to $2,500, arbitratipn is used towin about as many cases in arbitration as they do in court. Nationally, the statistics for last year show 50.8 per cent of the insurance arbitration cases were decided in favor of the applicant — the original person who raised the dispute — and Twin Hosts in Waterloo Shelly and'Kelly, 7-year-old twin daughters of Mr. and Mrs. Ralph Blessing of Waterloo, kelp their mother prepare for the seventh annual Convention of Iowa Mothers of Twins Clubs to be held Saturday in Waterloo. The club is pledged to hehaog all mothers of multiple births in Iowa. Among the guests at Saturday's convention at the Knights of Columbus Hall will be Mrs. Russell Reynolds, formerly of Waverly, president of the national Mothers of Twins Clubs, Inc. of the accident. Here's how it worked after i«.2 per cent in favor of the Mr. A and Mrs. B ran into each! defendant, other: , The insurance companies first pay for fixing up the cars. Mr. A collects $835 for damage! to bis car; Mrs. B gets $907 ] for her repairs, and the two pay their own deductible amounts. After the claims are paid, a representative of Mr. A's insurance company decides Mrs. B was responsible for the crash and asks her company to pay. ! Mrs. B's insurer refuses. Instead of filing a lawsuit, Mr. A's insurance company applies for arbitration. The other firm agrees and both parties send their reports on the case along with an arbitration form to the local arbitration committee. Because it is a small case, and the companies agreed to All-Night Party At Creston Again (The Register's Iowa News Service) CRESTON, IA. - For the eighteenth successive year, Creston will fete junior and senior students of the high school with an all-night Crestubilee. The event follows the prom May 12 and starts with a movie premier at a local theater. Bleachers are placed for the hundreds who will watch the young people interviewed and filmed. Time for-a,change to sport clothes follows for the night-long party at the Elks where games and dancing are the activity until 6 a.m. A breakfast at the Eagles doses the function.

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