The potters herald. [volume] (East Liverpool, Ohio) 1899-1982, 1939-05-04

is one of the most expensive items in
! some families budgets.
Do you need or really want to bor-
row? "Then before you borrow, ask
yourself whether there is no place
where you can get the money at less
COST" Personal finance company credit
is among the most expensive forms of
| consumer credit.
"Friends or relatives sometimes
have the available cash. If you are
eligible to join credit union, you may
get money at as low as p or p Of
one percent per month on the unpaid
balance. You may be able to borrow
at low rates on your paid-up insur-
ance premiums. Personal-lpan depart
! ments of commercial banks, and in
| dustrial or Morris Plan banks, are
other sources of cash cheaper than
small-loan companies, though not as
cheap as their rates usually sound.
'If you do go to the personal finance
company office, look first for the State
license on the wall. Bootleggers in
credit can run interest rates up to
many times the original loan.
"Shop around bit, checking rates
of various dealers. Before you sign
a loan application, decide on the
amount Of the loan and the best way
to spread the payments without up
setting your budget too much. Easy
payments are myth. Many personal
finance company managers and inter-
viewers have excellent advice to offer
on budgeting.
"Consider the security you are ask
ed to give. Is there danger of your
! losing your furniture or your auto
mobile? Wage assignments-giving
the lender power to attach your pay
check if you don't meet your loan pay
ments-are bad. Employers some
times discharge workers rather than
bother honoring wage assignments.
"Finally, remember you can save
on interest charges by paying up SOON
er than the contract calls for. On the
other hand, if you need the cash, you
may be able to rearrange your sched-
ule of payments over longer period
of time, which, Of course, means pay
ing more interest"
X X X
Tips On Cocoa And Chocolate
Cocoa and chocolate both have
their origin in the same tropical bean,
but by the time they reach the con-
summer, there is distinct difference
in their composition.
"lt's all a matter of cocoa butter
Cor cacao fat)." plain cocoa has no
fixed amount of cocoa butter in it.,
while advisory standards Of identity
issued by the Food and Drug Admin
istration require that chocolate con-
tain at least SO percent cocoa butter.
For breakfast cocoa the advisory
standard for cocoa butter content is
% percent.
cocoa will not lump when added
to hot milk if it is first mixed with
sugar then made into paste with
cold water and brought to boil. Choc-
olate should be melted in double
boiler. Over direct fire it is likely
to burn with an injurious effect on it's
flavor
Because the oils in cocoa and
chocolate may deterlorate, both should
be stored in cool dry place. They
should be kept covered and free of
moisture. Chocolate, especially, should
be kept in the ice box. When it is not
kept cool, the cocoa butter in it melts
and rises to the surface forming white
patches on the brown cake"
--LoTs OF NEW RIDEs--
Chemists assembled at Baltimore
were told that high explosives can be
made from natural gas. 1t is some
comfort to know that America con-
tains SO per cent of the natural gas
in the world-but is that the only use
that such discovery can be put?
I--FUN At ITS sEsT-PlcNIc-
} Ability without enthusiasm-and
,,sQ Ill