Armored Sentinel (Temple, Tex.), Vol. 28, No. 9, Ed. 1 Friday, March 13, 1970 Page: 4 of 20
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Page Fonr
105 Lexington Ave.
ai^mo ied senito:l
Published iu the interest tuo military and civilian personnel at Ft Hood
Texas every Friday by the Community Enterprises Inc. lemple Texas.
Policies and statements reflected in the news and editorial columns represent
news of the individual writer* and under no circumstances are to be considered
those of the Department of the Army. Advertbements in this publication do not
constitute an endorsement by the Department ot Defense of the products °r *e™-
ices advertised. All news n.atter for publication should
be sent
formation Office. Armored Sentinel. Fort Hood. Texas. 76544. Telephone OV5-3410.
This is not an official army newspaper. However this publication irecei're®
Forces News Bureau material and papers ore authorized to reprint non copy
riehtedAFNB material without written permission from At.NH
Advertising copy should be sent to:Business Office. P. O. 868 Temple. Texas
765A1 or Business Office P.O. Box 27. 206 West Avenue B Killeen Texas 76541.
Subscription off post $3.00 per year $1.00 for three months. Distribution on post
free.
All pictures are United States Army Signal Corps photographs. Unless otherwise
noted the publication of these Is not restricted except in cases S?i»
tion for advertising purpose at which time permission of the Department of the
must be obtained.
Army
wtr1! noN knape Advertising Manager
wflto TiHey Killeen Sales Representative
Joanne Harding Killeen Sales Representative
Joanne warding ..... u™-mm.:
'NATIONAL ADVERTISING REPRESENTATIVE
W. B. Bradbury Company
Truth In Lending
The Truth in Lending Law makes it easier to know
two of the most important things about the^cost of credit:
—The finance charge.
The annual percentage rate.
Both the finance charges and the annual percentage
rate must be displayed prominently on the forms and
statements used by a creditor.
Some creditors levy a service charge or a carrying
charge or some other charge instead of interest or per
haps they may add these charges to the interest. Under
the Truth in Lending Law they must now total all such
charges including the interest and call the sum the fin
ance charge. And then they must list the annual percen
tage rate of the total charge for credit.
The Truth in Lending Law does not fix interest rates
or other credit charges. Your state may have a law setting
a limit on interest rates which would still apply.
Chances are then that if the monthly statements
and other materials you receive from companies giving
you credit look different now it doesn mean they ve
changed their rates only their way of showing them to
comply with the Truth in Lending Law. Your department
store bills for example should now list both a monthly
rate (for example one per cent 1 Vi per cent or some
other number) and the annual percentage rate. This may
be 12 per cent 18 per cent or some other percentage but
it will usually be 12 times the monthly rate.
The law also gives a new look to the advertising of
credit terms. It says that if a business is going to mention
one feature of credit in its advertising such as the amount
of down payment it must mention all other important
terms such as the number amount and period of pay
ments that follow. If an advertisement .states "Only
down" it must also stote for example that you will have
to pay '$10 a week for the next two years. Here again the
intent is to provide you with full information so that you
can make informed decisions.
One other important provision of the law is designed
for your protection in case your home is used as coll
ateral in a credit transaction. This frequently occurs when
you are having a major repair or remodeling job done on
your home. Now when you enter into a credit transaction
in which your home is used as collateral the law gives
you three business days to think about it and to cancel the
transaction during that period if you wish. The creditor
must give you written notice of your right to cancel and
if you decide to cancel the transaction you have to notify
him in writing.
Under this right of cancellation the contractor can
not start work until three days are up. You may give up
your right to cancel and get the work started without the
three-day wait if you notify the contractor in writing that
you face a real financial emergency and need the credit
immediately to finance repairs necessary to avoid danger
to you your
familv
14
to the PubUc in
New York 17. N. Y. 10017
Many of us know what interest is—six per cent per
year for example. Let's suppose you borrow $100 for one
year and pay six per cent—or $6-—for that money. If
you have use of the entire amount for one year you are
paying an annual percentage rate of six per cent. But if
you repay the '$106 in 12 equal monthly installments you
do not have use of the entire amount for the full year. In
fact over the entire year you have the use on the average red white and blue
of only about half the full $100. So Ae $6 chatge
credit in this case becomes an annual percentage rate or greet the visitors
11 per cent.
or your property. (AFPS)
H£ THtMK* IT'S HIS MOTHfcfc
CIRCLE
Military Personnel
Welcome
RICHARD WISEMAN
MSG US ARMY (Ret)
SALES MANAGER
SALES
5607 East Hwy. 190 526-4742
Payments As Low As $65 Per Month
NEW AND USED MOBILE HOMES
1 to 4 Bedrooms One Day Financing
Second Of Two-Part Series
(Editor's note: This is the
second and concluding part of
an article on Russia. It is dr»wn
from the writer's journals and
based on his experiences there
a a of a
literature. Part one appeared
last week.)
By PVT. DAVE DANIEL
Information Specialist
Moscow: The capital of the
Soviet Union took an overdose
of people after the war. But
sidewalks are wide and carry
the human tide well (relatively
few Russian citizens own cars)
There is a whole sea of good
working class faces silver teeth
garlic breath coming going
looking at us because we dress
differently but never bothering
us.
Moscow has more statues
museums beautiful old churches
and famous sites than one could
ever visit. It has Red Square
he re in an in
Mausoleum. American tourists
are allowed in the front of a
several mile-long line which files
down inside the cool tomb to
reverently see Lenin's preserved
body.
When I saw Lenin his head
and hands visible against the
dark suit I remembered the
image of the spider. Then I
threw it out and simply thought
of a man.
The Embassy Car: Today in
Moscow there was a happening
in front of the Metropol Hotel
After steering through two
sidewalk blackmarketeers
saw a crowd at the curb
Through the bent arms of the
onlookers I saw a flicker of
who had just come in on the
first Pan Am New York to
Moscow flight. And fiow his
deeply black elongated Caddilac
was a sight rarely seen in the
USSR. Wow! A 1967 Caddy elec
tric antenna ugly as all getout
moored here .among the tiny
Russian taxi cabs.
I recognized an American girl
standing nearby. "I've got an
idea" I told her. We moved
in close to the Caddilac and
leaned against it. The Russian
onlookers smiled at us. "We
might as well be identified with
all of this opulence"
whispered to the girl.
The Black M«rket: Every
communist bloc country I have
been in has a sfreetcorner black
market. Poland's is fairly open
with young men trailing you
trying to work an exchange.
I os a a
seems to be in on it a
kind of protest against a Soviet-
imposed rate of exchange. But
the most hidden and careful
and dangerous black market is
the Russian.
In Moscow during a subway
rush someone approaches you
warily. "Excuse me do you
speak English?" "Yes." "Do
you wish to do business? I will
give ynu five rubles for every
dollar you can give me."
What happens is a young man
pools rubles with some friends.
He then trades the rubles with
willing Americans and Euro
peans to get dollars German
Marks and the Pound Sterling.
These currencies are good
anywhere rubles are not. Now
the young man can buy Winstons
and Marlboro? or Jade East
in the big hotel lobbies. And
who knows? Enough dollars paid
to the right people might mean
a one-way trip out of Russia.
The telephone an added
necessity in the home of most
everyone in the Ft. Hood area
brings along another bill that
has to be paid.
The Mid-Texas Telephone Co.
of Killeen handles all long
distance calls from Ft. Hood.
While tne operators are placing
your call they are recording
the necessary information re
quired to compute the cost of
the call as well as the numbers
calling and being called.
The information including
cost of the call is forwarded
to the Directorate of Com-
Originally scheduled for
Thursday March 6 the 1.9
million candlepower airborne
searchlight was tested Monday.
The second test is scheduled for
this Monday.
The searchlights are mounted
on helicopters and are turned
on at altitudes ranging from
2500 to 10000 feet. Testing will
continue all night long after
March 16 the lights turned on
every 10 minutes for ap
proximately 3 minutes.
Maj. Raymond G. Andrews
at Project MASSTER at West
Ft. Hood where the tests are
being conducted cautions peo
pie from staring directly into
the intense light since some
slight discomfort may result.
On either March 26 or 27
tests will be held over Belton
ill
Five rubles for a dollar is
a standard offer. I have heard
of ten being offered for a dollar.
The official government rate is
one rub]c for $1.10.
freedom
DISCOUNT
PRICES!
TUNE-UPS
BRAKE OVERHAUL
GENERATOR
STARTER
8 a.m. to 5 p.m
GARDNER'S
Garage
222 W. Hwy. 190
526-5739—KILLEEN
/WV/AV...
those old bills.
What's more the "Do It Now" plan may also lower your
monthly payments. And give you extra cash. Enough for some
thing you really want.
Lots of service men and their families have been delighted with
Seaboard's "Do It Now" plan. So why not give us a ring and find
out about it. A "Do It Now" loan could do it for you.
SERBORRD FINRNCE COMPRNY
A Subsidiary of CORPORATION
412 Rantcier Big Shopping Center
Killeen Phone 526-3091
THE ARMORED SENTINEL FORT HOOD TEXAS
Beside? dollars Russian
traders dig bluejeans desert
boots Beatles' records and
Swiss watches. But be advised:
the man you walk into the alley
with hoping to beat the market
money-rate might be a cop.
Th eRed Army: A strong-arm
gang that keeps things running
smoothly? Or a huge well-
disciplined standing Army? I see
foot soldiers everywhere many
must work in the cities and
towns. Their uniforms are
Civilian Phone Co. Handles
Hood's Long Distance Calls
matched with
the building
phone.
Lake to test the reflective
characteristics of the apparatus
over water.
The weather will determine
whether the helicopters will fly
and the tests conducted as plan
ned.
Traveler Recalls Moscow's People Overdose
brown with colored epaulets and
a stripe around the crown of
the saucer caps.
We spoke to Rerl Army men
only once. A friend and I asked
two officers if we could snap
their picture. "Niet!" was the
reply.
And we saw the Army in
action only once but I shall
never forget. It was during the
early d&ys of August in 1968.
We drove along the narrow
highway heading southwest
unications -Electronics are verified as official. Every
telephone service. At this point
unit
The bills for phones in
quarters and civilian offices are
sent to the III Corps and Ft.
Hood Finance and Accounting f'i
Office for further billing to the
consumer. The phone bills of
military offices are paid by the
government providing the calls
Airborne Searchlight
Testing Rescheduled
it -j. _i »1.a 4-sx +Un rafl
has designated an officer
the information is transferred f°.is approring authority
for the official calls of the unit
to a selection car which is pro-
an(j an
cessed through a machine and traced to the individual making
non-official calls are
a
the number
containing
Ill
si
PLATOON LEADER
Second Lt. Paul E. Masters
a graduate of the Infantry Of
ficer's Basic Course at Fort
Benning Ga„ has filled a va
cancy as platoon leader for Co.
B 1st Bn. 41st Inf. 2nd Armd.
Div.
ytlM'M inryi^n •*11'^ W
Having Difficulty In
Obtaining Your
AUTO
LIABILITY
INSURANCE?
We Have A Reliable
Low Cost Policy To
Solve Your insurance
Problems.
Insiirance For
Servicemen
Our Specialty"
ic Post Approved
it Low Monthly
Payments
it Complete
Coverage
All Ages &
Ranks
OPEN 8 TO 6
SAT. 8 TO 1
Insurance Agency
No. 2
1017 North 8Mi St.
526-5721
/
Bugged by bills?
Advance to Seaboard for a "Do It Now" loan.
It
can wipe
III
out
a
the to pay the cost of the call.
passing supply and benzinej Departing: We loft Russia on
trucks under armed guard. Six!the same route Napoleon and
days later we read in the Euro-!the Nazis used. Getting out is
pean Edition of the "New- Yorklmu'ch like getting in. Cut the
Herald Tribune" thatjred tape turn in your rubles
Czechoslovakia bad beenjhand over your visas get a
invaded. What we had seen that tiny CCCP stamp in your
day was a supply convoy for
the invasion.
In The Ukraine: I have heard
Russian guides boast that "the
USSR is made up of 135 na
tionality groups and the people
get along well." And yet here
in he re in a in
Ukraine where the county
funerals plod in the muddy lanes
at a horse-pace and where in
the nigh!: the wind howls across
the grainfields like a demon
I am uneasy about the guides'
belief. In Kiev and Oriel where
the people honor their Ukranian
poets peak their Ukranian
language and keep a deliberate
distance from anything not
Ukranian I wonder if the guides
really know Russia.
passport. Open your luggage
While we waited 1 drank some
lemonade and talked with a man
selling car insurance to in
coming cars. He was Italian
about 40 years ola. "Did you
Mr
FOR "VlOSs'povYtll
Ste HOFFPAUIR!
We have a new
Number at
NOW IN EFFECT!
ARMORED SENTINEL
"The Newspaper Serving Fort Hood"
206 West Ave. killeen
Friday March 131970
see the movie set back there?"
he asked in good English poin
ting to where we have just
come Irom. "Yes what as it?"
I asked. "Waterloo" he said
"Rod Steiger and Christopher
Plummer are in it. They're
staying in town a very small
town. Everyone there is making
money. Also a stunt man was
killed." The man loved to talk.
Time passed. Finally with a
freedom only travelers enjoy
we drove out of Russia.
DRIVE 20 MINUTES WEST—SAVE $ $ $ $ $
New Chevrolets—O.K. Used Cars
JIMHOFFPAUIR
"Your
Satisfaction-
Oar Future"
Open Until 6 P.M. Daily
Your NCO ASSOCIATION of USA
Dealership
802 Key (Highway 190 North of Town
556-6285 LAMPASAS
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Armored Sentinel (Temple, Tex.), Vol. 28, No. 9, Ed. 1 Friday, March 13, 1970, newspaper, March 13, 1970; Temple, Texas. (https://texashistory.unt.edu/ark:/67531/metapth255058/m1/4/: accessed May 7, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Casey Memorial Library.