WEDNESDAY, DECEMBER 18, 1968
THE DAILY NEBRASKAN
PAGE 3
Credit
In a Lincoln car dealer's
office, an 18-year-old boy and
his wife sign a contract
without reading it.
Under Nebraska law, their
signature is binding. Even
though neither is 21 years of
age, they are accorded the
status and responsibility
of majority because of their
marriage.
TWO YEARS from now,
saddled with insurmoutable
debt, they will take their
place in bankruptcy court.
While they sign their con
tract, a housewife across
town buys a set of en
cyclopedias and agrees on a
monthly payment of $15.
She and her husband are
far above the age of 21. But
they too stand a good chance
of ending in bankruptcy
Credit, the wonderful in
vention that lets us all do our
thing for only a pittance down
and an arm or a leg a week,
is no novelty.
But recently there's been a
much closer look at what it is
and what it can do. Credit has
defenders as well as detrac
tors. It even has its
philosophers:
"We have it. And it's going
to be here to stay," one state
official commented.
And one Lincoln business-
Student
tryouts
scheduled
Tryouts for the next
University Theatre children's
musical will begin today, ac
cording to David Meisenhol
der. Meisenholder directed the
popular Halloween musical
"Hob's Choice." He will also
direct the upcoming "Rover
Flies Over."
I':
"WE ARE looking, for
students who have acted in
high school productions, who
can sing and dance, but who
have not been involved in
University Theatre before,"
he said.
"Rover Flies Over" is the
fanciful tale of an Earth dog
who wins three free dancing
lessons on the planet Neptune.
Rover runs into difficulty
when the other dancers
(representing the planets of
the solar system) are not
pleased that Earth is
represented by a dog.
"Hob's Choice" drew over
850 persons, Meisesholder
said, and was a "tremendous
success."
Tryouts will be held from
3:30 p.m. to 5:00 p.m. and
7:00 p.m. to 9:00 p.m. on both
Wednesday and Thursday.
The play itself will be given
in early February.
School
terms
changed
huron, S.D.-fl.P.VRevisions
adopted by the Huron College
iaculty. effective in the fall
rf 1969, call for an early
September opening; the com
pletion of the first regular
term before Chritmas; a short
term of one months' duration
during January; and a cal
endar year arrangement that
fits the 4-1-4 program.
The quantitave measure
(hours ) will be changed from
semester hours to units with
each unit being the equivalent
of four semester hours.
The calls for a restructuring
of the material within each
of academic areas into new
divisions and organization.
With such changes as this,
the normal load of the student
for a regular term would be
from three to four and one
fourth units, while only one
unit would be carried during
the January "miniterm."
CHANGES WILL also be
made in the number of re
quired general or liberal arts
educational requirements.
Ten units (40 hours) of re
quired work have been select
ed to enable the student a
broader choice of courses for
the fulfillment of these re
quirements. In fact, there will
be only one specific course
which will be required for
every student.
This is a new inter-disciplinary
course entitled "Fresh
man Liberal Studies." Thus
the individual and his adviser
will be enabled to select a
course of study more specific
ally tailored to the student's
personal needs.
Read
Nebraska
Want Ads
pros.
man noted that creditor prob
lems can be beneficial for the
individual "provided it's not
ioo serious.
NEBRASKA WENT to work
on credit problems early in
this decade. And state of
ficials point to the statutes
restricting interest rates on
loans and time-sales contracts
as "ahead of their time."
The 1965 time-sales act, for
example, requires that the
buyer be told, both in terms
of percentabe and in actual
amount, just what the addi
tional charges (interest, in
surance, etc.) will be.
The act also stipulates that
the buyer be warned in
capital letters at the bottom
of any time-sales contract to
read tlie entire document and
to be certain that all blank
spaces are filled in.
"Anybody who can read
should be all right," said Jim
Dunlevey, the legislative
assistant to then-Governor
Morrison who helped draft the
law.
But Dunlevey admits it's
not all that simple too
many people who can read
don't.
"MOST PEOPLE don't care
about interest rates and
contracts," Harold Johnson of
Utah makes
Salt Lake City, Utah
(LP.) The average
Teaching Assistant (TA),
says Dr. Charles H. Monson,
Jr., associate vice president
for academic affairs at the
University of Utah, "is un
tenured and transitory,
underpaid and inexperienc
ed." He is usually a graduate
student, has little bargaining
power on campus, is usually
strictly dictated to by
departmental hierarchy and
is not guaranteed the right to
academic freedom by present
university regulations.
"They are the 'forgotten'
faculty," Dr. Monson adds,
"yet they fill an indispensable
role."
DR. MONSON is chairman
of an administration-faculty-teaching
assistant ad hoc
committee which has made
extensive study of the role of
the TA on campus.
This committee, and others
that preceded it, have come
up with some eye-opening
facts which indicate a need to
improve the lot of the TA and
his quality of teaching, not
only at the University, but at
every university in America
Budget requests may determine
if NU to maintain standards
What occurs in the next two
or three years may determine
the course of the University
for the remainder of the cen
tury, according to Dr.
Robert Esquenazi-Mayo,
Director of the Institute for
Latin American and Interna-
tiosal Studies.
Budget requests will be
particularly important dung
this time, he said. The
University of Nebraska has
an excellent reputation in
many fields. To keep this
reputation the University
must maintain its high stan
dards in faculty, he continued.
"IT IS EXTREMELY im
portant that the University
continue to compete," he
said. "To do this, it is
necessary to have good
facilities, resources, and at
mosphere as well as just
higher faculty salaries."
Dr. Esquenazi said that
there is a general financial
retrenchment throughout the
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the State Banking Depart
ment said.
The small loan companies
in the state are more closely
watched than banks, Johnson
said.
But too many loan ap
plicants fail to even stop and
consider interest rates, he
said.
And those rates can be as
high as 30 per year on an
unpaid balance of $300: $90 a
year just in interest.
"People are interested in
just one tiling how niuch
their payments are going to
be," Johnson said
There are other complica
tions too. The wording of the
contract can be left in legal
jargon beyond the layman's
comprehension.
And "Caveat Emptor" still
rivals "the customer is
always right" as the guiding
motto of many businessmen.
IN ADDITION, credit deal
ings are becoming so com
monplace that few consumers
are really careful anymore.
We are shifting from a na
tion of the balance sheet so
much in, so much out to
one that survives almost
wholly on credit.
From the cars we drive and
the clothes we wear to the
furniture in our homes,
and any kind of graduate
program.
As a result of the com
mittee's findings, a forward
looking program is under way
here to improve the
performance and elevate the
stature of some 500 teaching
assistants on campus.
THE VARIOUS studies
painted this picture of the
average TA:
That he had a low estimate
of himself, looking upon his
position as "cheap help." At
the very best he thought this
was the price the modern
graduate student must pay
for the privilege of doing
graduate work.
That he taught 7,000 of the
Universitys' 15,000 daytime
students. Every freshman had
at least one TA for an in
structor, and 30 per cent of all
undergraduate credit involved
the use of TA's.
That some TA's taught up
to 10 hours and were allowed
to take as many as 16 more
towar.' their advanced
degree o.
That TA salaries ranged
from $1,200 to $4,500 for full
time work.
That only one department
country. This retrenchment is
reflected in Nebraska, he
continued. However, the
University must continue to
progress even in the face of
this retrenchment.
"THE UNIVERSITY has
been competing well thus
far," he said. "Just how well
we will be able to continue
competing is very hard to
say. Still, we must continue if
we expect to keep the ex
cellent reputations we have in
many fields."
"This University has some
of the best students I 'have
ever seen," he continued.
"They deserve a good
school."
He added that the
University must keep its
reputation and purposeful
direction. "Above all. we
must keep a feeling of ac
complishment and progress."
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cons revealed
Americans are living on bor
rowed money and promised
payments.
Max Meyer, the manager of
the Lincoln Credit Bureau,
agrees that credit may be
getting out of hand. But he
feels the system is good it
is people who foul it up.
One solution Meyer sup
ports is the idea of "debt
clinics." Consumers with
credit problems could receive
advice and have their debts
lumped together and
"managed."
AND MEYER feels
stronger credit bureas can
Iwlp. He feels businessmen
should depend more heavily
upon credit references like his
bureau's Blue Book.
The Blue Book lists Lin
colnites and their credit
habits by a series of ratings.
If businessmen would check
the ratings instead of
carelessly extending credit to
almost anyone, Meyer feels at
least some of the problem
could be eliminated.
While these are answers for
the future, the only answer
for many right now is
bankruptcy.
And it's an increasingly
popular answer. Bankruptcy
rates are rising with
astonishing rapidity.
evaluation
had a faculty member
specifically appointed to work
with the training of TA's.
That office space for a TA
was ofen crowded and inade.
quate, frequently with a
single desk shared by as
many as four TA's.
IN OCTOBER, 1967 the ad
hoc committee submitted
these and other findings,
together with recommenda
tions for improving the situa
tion to the Faculty Council
and Board of Regents. The
Cornhuskers will put 5-1 record
on line in Sun Devil Classic
Nebraska's basketball team,
which owns a 5-1 seasonal
record, puts that mark on the
line Friday night when it
plays Arizona State in the
first round of the Sun Devil
Classic at Tempe, Ariz.
Nebraska will meet either
12th-ranked Purdue or 15th-
Lab management
student responsibility
Continued From Page 1
Before the lab period begins
there is a two week period of
intensive review and orienta
tion. The fact that the lab will
be totally managed by the
students is emphasized, Miss
Wahn said.
After moving to its new
facilities on East Campus
about three years ago, a new
kind of lab was established.
The new lab was a non-resident
lab where girls are only
engaged in lab work during
the day. A similar program
for married students was also
established, she said.
NEBRASKA is still
relatively unique in these
labs, she continued. The pro
grams in most schools still
require 24 hour a day
participation for all students.
The new programs are still
Those close to it explain
that bankruptcy today no
longer carries the stigma it
did, say, 50 years ago.
WHERE BANKRUPTCY
then implied failure and
financial ruin, today it may
only mean that the debtor is
tired of paying bills.
But to say that all, or even
a majority, of today's
bankruptcies are mere
hucksters cheating merchants
however, is untrue. Many
perhaps most of them are
people just too far in debt to
hope.
Many of them started
where the 18-year-old and his
wife did. A given number of
deals on credit later, they
were forced into bankruptcy.
One lawyer recalled a
bankruptcy case involving a
man who had simply signed
any contract placed before
him. In six months he ran up
liabilities around $4,000.
"He even bought a set of
pots and pans for $159," the
lawyer remembered.
None of the deals involved
big payments but taken
together they were far, far
out of reach.
"A $159 set of pots and
pans." The lawyer shook his
head in disbelief.
r e c o m m endations were
adopted and became official
University policy.
Included were 38 recom
mendations, ranging from
minimum stipends to propo
sals for better office space.
"Most importantly," said Dr.
Monson, "the report provided
a standard by which
department chiarmen might
measure their own treatment
of teaching assistants. A
public airing of the problem
became a powerful and sus
taining motive to improve."
ranked California in the
tournament Saturday night.
The Huskers, who received
mention in the United Press
International basketball poll
released Tuesday, play at
Arizona Monday night before
they compete in the Big Eight
Holiday Tournament at
Kansas City, Dec. 26-30.
in the experimental stage.
Studies are being conducted
to determine whether the non
resident labs are as effective
as the resident ones, she said.
There are three lab periods
in a semester. The lab is re
quired for all vocational
Home Economics majors,
Familv Economics and
Management majors, and
design majors, she said.
Nebraska state law requires
all vocational home econo
mists to take the lab before
they can be certified.
"THE PROGRAM gives us
a chance to see if we can ac
tually manage in a practical
situation", said Connie Fitz, a
current lab participant. "It
gives us a chance to be
creative and do things that we
might not have a chance to do
any other way."
A
A ) S
WEDNESDAY. DEC. 18
NEBRASKA UNION
12 p.m.
UAAD
Placement
2:30 p.m.
ASUN Legislative Liaison
3:30 p.m.
Quiz Bowl Questions
Builders College Days &
Tours
AWS
Union Talks & Topics
Union Public Relations
Comm.
4 p.m.
ASUN Senate Meeting
4:30 p.m.
Seminar on Disadvantaged
Child UMHE
Builders Student Founda
tion Comm.
Union Hospitality Comm.
5:30 p.m.
Toastmasters
6 p.m.
ASUN Legislative Liaison
Lobbying
8:15 p.m.
AWS Coed Follies Tryouts
6:30 p.m.
Builders Workers Council
Red Cross
7 p.m.
Builders
Union Trips & Tours
Accounting Dept. College
of Bus.
IFC
7:30 p.m.
Math Counselors
Circle K
9 p.m.
Mortar Board
F.C.A.
'Sought-after'
Chuck Jura
proves worth
Schuyler's Chuck Jura is
quickly showing people why
he was Nebraska's most
sought-after high school
basketball player last year by
college coaches.
The 6-10 Jura scored 34
points to pace Nebraska's
freshmen team to a 93-59 win
over Nebraska Western of
Scottsbluff Monday night at
the Coliseum. He hit for 33
points last Saturday against
Augustana.
Jura was on target 15 times
in 20 shots, bucketed four free
throws and retrieved 13 re
bounds. Guard Al Nissen
tallied 22 points. Peterson 14
and Curt LeRdssignol 10 to
balance the attack.
She continued that the labs
have combinations of equip
ment and materials that a
student might not become
familiar with anywhere else.
"Though we now have
glamorous looking facilities,
things in the units are not
perfect", Miss Wahn said.
"We try to give girls the op
portunity to make their own
decisions and see the good
and bad points in their
methods of housekeeping."
mum
432-1465
13th &P Street
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Walter MatthauRingo Starr U EwaAuGn
Candy John Astin- Elw MarHnelB Sugar Roy Rcibinson-Anita Pelen
Kfcr Mate Urdbe
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iiju uinpumiiiM. .i..ii.ii.i)jiu.iisjipiii ,umipm..jL...im. ui.mii iijjt i.iiiiiini "fji"."1-1 .swinw
Finals
MONDAY,
30-11:30 a.m. Classes
8
4 days or MWF or any one or two
of these days.
1:30-4:30 p.m. Classes meeting at 7:30 a.m. 5 or
4 days or MWF or any one or two
ot tnese days.
:00-10:00p.m. English 1, 2, 3.
TUESDAY. JANUARY 14
:30-ll:30a.m. Classes
or any
:304:30 p.m. Classes
or any
:00-10:00 p.m. All Econ
WEDNESDAY, JANUARY 15
30-11:30 a.m. Classes meeting at 1:30 p.m. 5 or 4
davs or anv one or two nf these rtavn
:30-4:30 p.m. Classes
days or
:00-10:00p.m. Math 14,
THURSDAY.
:30-ll:30a.m. Classes
or any
:30-4:30p.m. Classes
or any
:00-10:00p.m. Music 70,
FRIDAY.
:30-ll:30 a.m. Classes
:30-4:30p.m. Classes
or any one or two of these days.
00-10:00 p.m. Speech 9.,
SATURDAY, JANUARY 18
:30-ll:30 a.m. Classes
days or MWF or any one or two of
these days.
30-4:30 p.m. Classes meeting at 3:30 p.m. 5 or 4
days or MWF or any one or two of
these days.
00-10:00 p.m. Ed Psych 61, 62 Bus Org 21 Inf
100.
MONDAY, JANUARY 20
30-11:30 a.m. Classes meeting at 10:30 a.m. TThS
or any one or two of these days.
30-4:30 p.m. Classes meeting at 3:30 p.m. TThS
or any one or two of these days.
00-10:00 p.m. Spanish 51, German 1 & 2 Bus Org
141.
TUESDAY, JANUARY 21
8:30-11:30 a.m. Classes meeting at 8:30 a.m. 5 or 4
days or MWF or any one or two of
1:304:30 p.m. Classes meeting at 11:30 a.m. TThS
or any one or two of these days.
7:00-10:00 p.m. Classes meeting at 4:30 p.m. 5 or 4
days or MWF or any one or two of
these days.
WEDNESDAY, JANUARY 22
8:30-11:30 a.m. Classes meeting at 1:30 p.m. TThS
or any one or two of these days.
1:304:30 p.m. Classes meeting at 11:30 a.m. 5 or 4
days or MWF or any one or two of
these days.
7:00-10:00 p.m. Classes meeting at 4:30 p.m. TThS
or any one or two of these days.
Christmas dance
A Christmas dance, spon
sored by Gus II of Selleck
Quadrangle, will be held
Thursday, Dec. 19, in the
Nebraska Union Ballroom.
Peace
VISTA?
try
the-
It Begins
Thursday
7:30 Rm. 332
in the Union
"Can you give torn
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Schedule
JANUARY 13
meeting at 10:30 a.m. 5 or
meeting at 9:30 a.m. TThS
one or two of these days.
meeting at 7:30 a.m. TThS
one or two of these davs.
11, 12. 103 Edu. 31,
meeting at 12:30 p.m. 5 or 4
any one or two of these davs.
114, 115, 116, 203.
JANUARY 16
meeting at 8:30 a.m. TThS
one or two of these days.
meeting at 12:30 p.m. TThS
one or two of these davs.
70c Home Ec 21.
JANUARY 17
meeting at 2:30 o.m. 5 or 4
days or MWF or any one or two of
these davs.
meeting at 2:30 p.m. TThS
meeting at 9:30 a.m. 5 or 4
to he Thursday
Women who attend the
dance can get extended hours
from their residence directors.
Admision is $1. The Colonels
will be providing the music.
Corps?
cr-7r
sJ UUtLCfL-U.
It "Seed
community
action
volunteers
time to help othertT'
Starts
Friday
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good jn2$
candy!
and SsW Kdim Corp." nmHt
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