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The New College Organ (Number Fifteen)
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New College of Florida
New College of Florida
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February 25, 1972


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THE NEW COLLEGE PUBLISHED Bf STUDI?NTS Of JJEI COLLEGE FOR THE BENEFIT OF THE JJEI COLLEGE COMkOKITY ---. Justice: Marcello Truzz i' s Contact with Laryngitisf NUMBER FD'TEEN February 25 1972 A change in the election procedure for R SEC student representatives to the SASC vas approved after considerable discussion. The new procedure calls for the election of .. The SID met Wednesda ni ht with all two representatives each term, except the e f e r e n d U m y. g first term the change is in effect. '!he ......... members present. Joan Ver1zzo was late, but tati f t t t f th t t ting represen vee serve or vo erma. presen or e 1mpor an vo i hr t ti By now everyone should have received a Th Br db d had d a t of In the first elect on, t ee represen a ves e ea oar approve a gr n copy of the referendum that is to be held by 1200 to the Renaissance Fair for be elected with the fourth to serve as the SEX: Tuesday Feb. 29. Ralph Colb has and an honorarium of SlOO in order to ternate. The next term two people compi1ed a "fact sheet" that sheds some light Joan Goodfield for a lecture on the history nll be elected, two of the or1ginal reps on the 48 questions.involved. The fact sheet0f science. The SEC approved the money for will end their terms, the alternated will is printed below, nth numbers corresponding the Renaissance Fair with Eric Lofgren, become a full representative, and one of to the issues involved. Mix-n-match.... Sheila Roher, and George Konstantinow votingthe new people will become the alternate. i. Under the present systell\ all for. manda-I t Th iti mainl on the In each succeeding election, one person tory review after five years on the faculty, at time agal.ll8 e oppos on was y will be elected to be a representative and ere either tenured or terminated. After the deciSlon to termi-grounds that JIOSt of the refreshments vere one will become alternate, whUe the alter nate has been made, the teacher in question may remain on the eipected to be beer. The honorariwa for nate fro.:..the previous term becoaes a fullfaculty for one additional year and may appesl, once. for re-M Go dfi ld tabl d til 110 inf Ill& consideration. s. 0 e was e un re or -fledged representative. (I think that' a how 2. NA 3. NA tion can be obtained. the thing will work. We '11 find out either 4 Tenured faculty cannot be fired except in extreme cases. The proposed vote of confidence would simply let the teacher FA CST AT when the letters come in or when the know if he were wanted here or not. I I election comes up. ) 5. At present. these decisions are made_ by the the The next topic discuesion vas the F Status Committee. and the PreSident's AdVI9:>ry ?>m-Next week a facul. t;y meetiag prollisee evaluation of faculty by students. The mittee. There ere, at present, three student representatives to eech division, two to the Faculty Status Committee, and none to be a long and harried one, with several Faculty Status Collldlittee bad requested that on the PAC. controversial discussioD.J!S, BOt the leaat of the SEC consider a policy in which each 6. At present, there are 56 faculty members, 11 of wbom are which will be the latest proposal to leave student would be required to e't'aluate each all the members of the Music Department play in the Facul Status COIIIIIittee. of his professors. This would probably be the New College String Quartet an4 teach only in. of clas-Lately Nev College has seen a rush to done b;y having a sheet similar to a contract sicl!l study. This resolution would creste the of solicit student opinion. In all probabili tYevaluation sheet. student would then chers in areas such as rock, jazz, non-Westem muSJc, claSSlcel .&.u guitar, and choral music. There are no special students are being asked more questiollJ!S check a box either satisfactory or unsatQuartet; salaries come out of nonnel Humanities DIVISion by more people than in all the previous isfactory with space provided for c011111ents salary k t th t f ult b Thi 8&9. "Specifically, the Board reaffirmed its policy that the em-vee s oge er. about the spec1fic ac Y aem er. s ployment of teachers must be based on professional quality The faculty Status Coa.ittee intends form would be mandatory for all students and teaching competence. They emphaSl ed that no to propose that it be llllade mandi tory that regarding all their teachers. hfadh_beenhemploye 1d-students evaluate "Tutorial, course, Most of the felt that some sort of o IS or er soc1a or po 1 c p ment of the Board of Trustees. Nov. 12, '71 contract commitment, and work of contract evaluation vas necessary, but felt that 1t 10. Such 3 anlld control teaching staff, content, sponsor in order to provide additional. should not be mandatory 9 and that the boxand class composition. 1 r ti f t h"'-effe tiveness ,, d t d t 11. The category "enrolled students" include:: ell students in n orma on eac ..... o.e c metho vas no a equa e. academic residence on tllld off on persoualleave, and Dr. Gorfein, representing the co-it-There vaa a1ao the queati.on of reeponon four-year option. tee. """ ..... .. "t -" .. .., ..... .,,...,,.... 1 -t'. .. i..., .... ::.. ....... y vr COIIIIJient:S9 WOli.ld be a l.o<. pro.sen.h t, .. lthou ntt.hdereto tis ncho tot=;: vi.d;d w1. th f"orllls, to or the same as the .t'acul ty files would be open teec eTs re expec e ea a .... more in the case of language teachers. as those used by the facu1ty, so that they the the entire coiiiiiiUllity, though they would 13. 'At present. these ranks obtain: full professor, associate have a choice of either checking Yes or No not be allowed to circulate. A provision professor assistant professor, tutor, and consultent. d ......,, ti Sh uld l4. College full-time faculty are paid en average salary. or writing a detaile e .... J:"Aoana on. o was. made for faculty rebuttal to any adverse of $13, 580-or, if fringe benefits are included, $15, 870. Thzs a student fail to even fil1 out the mini-comments, but it was felt that this would puts NC in the top 10-15% nati that contract undertaking probably lead to a useless back and forth aries are negotiated individually. Salary figures for mdi hi i If fsculty members are not public knowledge. would not be l1sted on s transcr pt. word contest between faculty and students. 15. The Vice-President is the titular head of Development and he fails to evaluate his sponsor, he wi11 After much discussion, it was decided Public also scheduling and drQwing up the agenda for receive an incomplete contract. Dr. GorUDaDimously to develop a plan for the evaluMeetings. fein pointed out that if anything 1ess ation of faculty 17: LDd G ounds has begun to spray the pine trees ( Fiahb 1) Finally t a guest exteD..Sion WIU!J and intends to spray s11 of them this yeer They have al9:> Resolutions #8-10, 6, ov proved and a request to insure repair for sprayed the College anthills. 32, 41-43 (Fishbowl) d to __ ., _.. anuip-.. t ed 41. NA 4 .-age perSODCU. o"ereo -, ....,_ W!l 42. During the whole of Term II. the gynecologist was s-P.M. 44 at the pizsa party vas deferred until after vaihble twice, once for four hours once for three hours. Resolutioll8 #5, th t if ch should occur 43-45. NA (Fishbowl) e par Yt su 46-47. These measures have already been :oopproved by the ? p M SASC I!Dd being considered by the Educational fulicy Committee. Resolution #7 4B. NA (Fishbowl)


2 Letters & Stuff ew Goose Editor: ? Donald Richards has written a letter t the Organ, criticizing the election of Uch,;d Dan Chambliss Nelson as a member of the Board of Trustees Several weeks ago, the Organ publishedof New College. His letter betrays a pro-a copy of the 1972-3 Line Item Budget. Onefound lack of understanding of the role of a The problem of books missing from the item in that budget is $1,500 allotted to County Attorney. Library has become acute. Faculty and Student Services for Motor Vehicles. In that capacity, Mr. Nelson can be--students are constantly finding that books Checking back with this year's (1971-2) and has frequently been--directed by the they need are not on the shelves and there budget, I found that that figure has reCounty Commissioners to prepare ordinances, is no record of them being checked out. mained unchanged. In two years $3,000 has regulations and/or procedures designed to The problem is compounded when books needed been authorized to puchase a motor vehicle carry out the decisions or the intent of the for classes here are found to be checked for student use. Realizing abruptly that Commission. It is his responsibility-out to students who are away for a term or no such vehicles exist, I set out to recon-fact, his ol>ligation-to do that job, withlonger and when a book which is properly cile the incongruity. out respect to his personal views of the me-checked out is requested and it is not re-I first asked Chuck Derrick, Student rite of the case. Indeed, in at least one turned. In addition more and more current Services Director, where the money goes. of the situations referred to in the letter issues of are being taken. "That space in the budget is requested to to the Organ, Mr. Nelson was publicly quoted Most of these are subscriptions requested let the Business Office know that we want as having warned the Commissioners that the by students and the loss of these issues a vehicle," he replied. ''We haven't used ordinance he had drafted might quite well be means that all other students are deprived that allocation either this year or last. unconstitutional and that he doubted such of their use. (We might better cancel our As for maintenance of any vehicles, ordinance could be written-a8 requested-subscri-ptions than to provide them for one Buildings and Grounds takes care of that, in such a way that it would be constitutional. individual.) I am sure that a majority of except in case of a breakdown." Mr. Der-The selection of Trustees for a college the community has been faced with these rick stressed the importance of his re-such as New College is not determined by asproblems; I am, therefore, asking for questing the allocation as a means of sessing each candidate's level of agreement everyone's help to solve them. indicating a desire for such a vehicle. with every aspect of the college's operations, I shall velcome any suggestions for Apparently the Business Office itself is philosophy or finances, but rather it inreducing the number of missing or unavail-directly responsible for actual purchasing. volves a search for a balanced group of men able books and periodicalso It is, howStill somewhat confused, I sent a and women who have a clear concern for eduever, only with the cooperation of the memo (bow impressive) to Mr. Harra, Busi-cation, who are known to possess integrity students that any proposal will work. I ness Manager. '1.\to days later, I received to a hish degree, and who, preSUlllably, will realize that no system is foolproof. If the folloving reply (also in "memo" form): be able to serve the broad ends of the in-students continue to take books off campus "In reply to your inquiry received Feb-stitution. These qualities Mr. Nelson bas. for a term or over the summer, these books ruary 21, "money" unspent by any budget It would be foolish to believe that all will continue to be unavailable in our center is not money as such, but a budget the Trustees of New College have--or should Library; if students are unwilling to take authorization to spend within the alloca-have--similar talents, interests and points the trouble to check out all books, other tion, providing the budget as a whole is of view. It is precisely their diversity students and faculty will continue to be funded during the year. During the past which makes them most useful to the College inconvenienced by the loss of these books seven years, only three budgets vere fully and adds strength to their deliberations. from the collection. funded, and then so late in the budget Should the time come when homogeneity or uCorinne Wilson year that extreme caution had to be ex-nanimity of any kind were pre-requisites for Librarian ercised in discretionary buying categories the selection of a governing board for the .. llllllllllllll .... -..-.... most of the year. College, it would be a bad scene of the College Community-loo k a little be low the surface in assessing the qualifications of Mr. Nelson--and of all other members of the Board, for that matter-in order to perceive that it is a balanced group of deeply concerned people who devote a great deal of their time, energy and personal resources to the achievement of the aims we all desire. in Student Services, if my memory is cor rect, was to purchase a vehicle newer WHO is shafting US? Have you ever wondered who is responsible for 1he system we now have of optional deadlines? A s a student representative to the last Trustee meeting, I heard the trustees discuss drastc measures for the purpose of maintaining a balanced enrollment year round, which is necessary for funding the budget. One proposal was to impose a hundred dollar "readmission fee" for students "guilty" of declaring option late (after the November deadline)--that is, to declare them drop-outs, so that they would have to get readmitted just like new students, pay a new hundred dollar fee and forfeit the hundred dollars they lost by dropping out! AnOt:ller delightful proposal was to admit 600 or 650 students first term and let the attrition over the year average out the number of students to 550. While these proposals are harsh and unacceptable, they stem from a reality: this college must leam to plan a little in order to be financially viable. Try ing to come up with a proposal that would be more acceptable from the students' standpoint, I approached Charles Harra to see if we could work out a Ij:utually satisfactoty proposal. The plan we worked out was roughly as follows: sixty days before the start of a term the student chooses whether or not to go on option, forfeiting a hundred dollars if he later changes his mind; after sixty days before the start of the term, he loses the entire tuition sum if he suddenly decides to go on option. Anyone who muct take personal leave is still fully refunded. This could be an enormous improvement over the present situation, wherebye we must declare in November--roughly 130 days in advance--our plans for the following April and be liable to a hundred dollar forfeiture with any change in plans. While I do not pretend that this is the only solution, at least it is a recognition of the fact that there is a problem and an attempt to solve it. This proposal received fifteen minutes of discussion at the last SEC meeting; the question of which category of Breadboard money would go to the Renaissance Fair took up a ha1 f how:. Where is the SEC's sense of priori ties? If the SEC ignores the issue of financial planning, then it excludes itself from real policy-making, and leaves it up to the trustees. If the SEC-and the students it represents--want to avoid measures like the ones discussed by the trustees, then they must think seriously about the financial problem and offer proposals of their own. ----Steve Root than the one then assigned to Student Services, using that vehicle as a tradein. Unfortunately, the vehicle was wrecked, twice. The second accident "totaled" the vehicle, and our insurance carrier asked that ve reconsider our policy in this regard, or he would reconsider his." Jol'>.n Elmendorf Summertime In other words, the school operates on a deficit budget. Why such a badget would be established is a question of economics or business administration. I am familiar with neither, but Steve Coates 1 a member of the ad hoc Budget Committee, spoke of the use of "slush funds" as a sort New Colleg' s newly initiated summer session, which is to last ten weeks, will count towards ;. term's credit if completed of space-filler. Coates noted that a 1966 by the student. The mode of learning will be one of intensive W station wagon vas donated to the school stud y in 1.> group format. Each faculty member will offer one ifi all f "course" at a time and each student will be expected to par-spec C Y or student use" and that that ticipate in one course at a time intensively. Some study groups vehicle had been appropriated by Buildings will be inter-disciplinacy and led by two or more members of and Grounds on the basis that it was in the It is possible that there will be five-week mo poor oondi tion, perhaps unfit for student dular courses, in which case two such modules would constitute a full term of work. use. "This Week" yesterday reported that Each study group will be limited to twelve students, unless the vehicle was being used as a mail van. more then one faculty member is conducting the group, wit.h Where it will go when the mail station t uition runnhg at $966 and room rental being $220 Regular schvlarships loans can be applied to this summer term. wagon comes in is 1 as yet, an unanswered FoJlowing is e list of proposed topics for study groups made question. b y membei'S of faculty i n being here Whether or Buildings and Grounds personnel are not s topic is offered depends on student interest. *Mode:n Organic Chemistty: N ;>turl!l Products-Griffin presently looking for a surplus bus to *Modeh of Memory: Physiol ogical, M :>them ati c al Be-be used by students for transportation havioral perspectives (with lab)--Gorfein to cultural events, the beach, etc The *Environm entiJl Chemistry and Marine Invertebrates: Lab and Field Work -Stephens and Tiffany bus would be paid for with Student Services *Chemistry 1: First-year sequence--Kirtley Funds. ''Would" is a conditional verb; Ct>lculus-PhysicsChemistry: pnd interSuch buses are hard to find. ,elationships-KirtleyTopics in Mathematics So for all my efforts, I discoverd *Indian Studies--aougr I that the school habitually budgets imaginary : Europe in. the T':"entieth Deme money at the same time as real money and Commtm1ty Soc1o-EconOimc Problems: EmphaSis on I F 1eld work-B ;>rry student vehicles are, at this stage .of Introduction to the Humanities--Sh:>rter someone 1 S game t part of the illusion. *Sciences the Hum ani ties: Discovery and Cre9tive Thought--Miller *Possible Futures for Mankind--lvfiller 'THE NEW COllECE ORGAN *Political Uses of the Arts-Shart11r *Studio Arts--Publisl!ed Weekly by Studeots of New College, Sar :.sota, Fla. David H Middlemao, Jr. STAFF: D .

3 PREFACE In his column a couple of weeks ago 11 rhetorically, "What the hell 'is ourua..J..1SID A question that might perha s be JDOre frui tfu1 is "What should the of the Organ be at Nev College?" David probably has one answer to th. questi'lu; students may see the ,2!:e as effective way of pasBing the time waiting for the cafeteria to open; those faculty and administrators 'Who think about the paper at all probably have a wide variety of views. I am not given to philosophize without specific provocation, so it might be beet to uplain tha About two weeks ago David gave 11e an assignment: as a part of an over-all look at the college administration I vas to inter view and gather information about a particular administrator. I asked around campus for possible sources of information about this man. A long-distance telephone call yielded information which vas somewb.a.t startling. At this point I talked to the adainis trator in question. This interview was not very productive in many respects. However, his responses to several questions were in direct opposition to the information which I had received from outside source. In an attempt to resolve this inconsistency, I de another phone call. 1his contact confirmed the statements made by the adlllinistrator. Some doubt remained, though, because of the closeness of the relationship between this contact and the administrator. It would seem unlikely that this man would relate this story concerning his friend's career. I have not yet reached a third source, which I consider more reliable than either of the first two. It is, in fact, ae de finitive as any source can be in this case. If the report of ffi9 first contact is con firmed I v.ill follow it up, aDd focus on the administrator's effectiveness and usefulness at the College. If this report borne out, it would provoke more questions concerning other statements of this administrator. If he lied to me on that point, it is very pessible that he lied on other points, both to me and to others. I want to e:xphasize that the issue is not this one story, but rather the function of the administrator at the college. The above example probably best illustrates what I think the r.ole of might be. If the administration is unabre or unwilling to police 1 tself, and in the absence of an effective formal mechanism for such an evaluation, this is a task that the paper might take upon itself. It is as powerful in a positive vay as the reaction it can produce by responsibe investigation and exposition. Chris Armen surviving sarasota Do-. Mllr(izy A year and a half ago the neighborhood was quiet, pleasant, a little rtm down. Nicely situated in the 4-7 thou a year "suburbs", the kind of thing--the k:ind of suburb-George Wallace has already and will always do well in he gets the vote there because he promises that things ..;ill always peaceful, quiet, just a little rtm-down The people don't care much one way or another about the Viet namese war! except when their sons go they find the space a little exiciting, but it takes 'up prime time on What they are concerned about are "little" mgs like k.eeping the house clean, saving a little bit of money, hopmg that their kids can go to college when they rea: the age of eighteen, maybe getting out to the beach on e weekends--what few public beaches there are left They Care about comfortable things like a good dinner w?en they get home from work, both men and women a n1ce card on Friday night with friends. And they care about very 1mportant th:ingslike their kids growin u t my parents did? like the fact !e e lS cavmg lll and has to be fixed that they think country is falling apart, little little These are w te good people, they are poor but don"t any soc1olog1St or public official call them that-classjfy them that way, he'll be run out of the neighborhood To be called poor is to put one in the position of a black m or po?r. and 98% of the racism found in whm; fam1hes lll thlS neighborhood comes from the fact that Just a few htmdred dollars seperate the;m from welfare from from what to them is the worst A man this IJ?Sition is will:ing to defend it with everything he has, if the liberals on the television in the government want to him with the term "racJrt"so be You be ra_lSed to shudder at that t'tllrm, t.ltese people have not een ra1sed that way, its just another'hame .hat people drop on them all the time--intellectuals" g?vernment officicals, the press, the familiar faces 'every nlght on television, yes, even New College students You get used to that kind of crap. You get used to being or woman--leams that tha:a's about all those '.are c.apable of anyway--that and busing your children f1ve miles away to achieve racial integration The .in this ne:4!;hborhood feel that they are ignored they 1t 1hat way. Nixon claimed he spoke for them--' the the forgotten Americans He did not. The liberals 1gnore them, radicals castigate them New students come just short of spitting on So what? As let neighborhood cannot minds that the break where dirt becomes asphalt has deal with crime; it is shaken by crime-regular crime, taken on the lJUaJity of railroad tracks, after all, a Rich-seven break-ins a night; it refuses to accept crime, and mond Home is the fulfillment of the American Dream. would rather take the law into its own hands. I told Two things, however, happened .in the wake of the Ridjmond him I'd join any patrol that was going to be formed. development. In December the police arrested a group a teen-age First the neighborhood wasn't so nice. Not because the boys for charges like breaking-and-entering, and new neighbors aren't pleasant in that quaint suburban sense burglary. They also fotmd 1hat one respectable gentleman of the word but because all of a sudden a person has to in the city was fenc:ing everything these yotmg men wonder abo:U: the worth--the essential--of his home, his ripped off. It was never established that these were the family, his jda, the social acceptability of himself and people "terrorizing" the neighborhocd When they were his wne at cocktail parties. I t isn't enough to cook some-arrested, however, the crime-wave ended. thing up on the grill outside on Sunday, it isn't enough It was rumored--and I repeat-rumored (rather to play cards or watch the 1V om Friday night. And a than have to read any nasty letter because I wrote this), neighborhood that is beginning to wonder about itself in that these young men were the sons of respectable and that manner is heading toward trouble, the kind of trouble successful men in Sarasota; that there was, on the sur-that requires a kind of Cultural Nationalism to pull yourself face, no reason for them to be stealing. The rwnor con-out of--and what kind of culture does 1he white American that they stole for one reason, and that reason lower-middle class have to grab hcBnd something new and dnferent for them, probably coxmected section, according to an old law of economic law-enforvewith the new neighbors, but who knows? That "thing" ment. And the people of the upper, dirt street sit in tmvir was a simple thing, common to most Americans, at homes at night, they watch the Fearless Vampire Killers least through the six o'clock news: Crime In The Streets. on the television, they don't walk, no one takes his Crime is well-known to residents of the big cities, wne down to the bay after dark. As far as the people are especially the urban centers--which means tile black concerned, the bad guys are still out there, waiting in people. It is something you never get wed to jf you live the bushes, lurking behind parkeq cars The people with it day-to-day, but you can develop a fatalistic sit in their quiet homes, on the q\net street, now quieter than ever, and no one comes out; no one wonders why.


4 -cJ)-RGAN' Comment and People FAIR College Insurance Swindle The Renaissance Celebration is finally here. Festivities begin tonight in the field behind the barracks. The schedule W As with most retail credit agreements, an insurance policy ith college costs running a high a S.J.OOO or .)000 a financing note may be impossible to cancel. Life insurance year, tudents and their parent can do 11 ithout ex-is customarily sold a year at time. a student is pen es. And the Ia t thing most colle;.:e .;tudents need is life persuaded to buy a pohcy and to sign a financmg agreement, in urance. As 1 e have aiel in --The Con;;umer-. l nion Report he is committing himself to buy a full year's protection. A on Life In urance," the need for insurance arises mainly couple of insurance companie told CU they willingly 11 ith the birth of children. The life of the father or mother, policies upon request and charge only the used portion of or both, may have to be insured if they are the bread1\inners the premium, but one of those companies refused to cancel a on whom the children will be dependent until they gr0,, up. policy bought by one CU reader. In_ fact, none of runs as follows: Friday afternoon--set up booths, tents, etc. 8:30 PM--bonfires, beer, singing, and dancing Saturday before 10:30PM--put up decorations (We need Indian-print bedspreads, palm fronds, pine cones, baskets, bells, tambourines. Please get them to the fairgrounds before 10:30 AM. 10:30 AM--4:00PM--Fair! (Lunch will be served at the fair.) 8:30 PH--bonfires, beer, singing, and dancing. DON'T FORGET TO WEAR YOUR COSTUME I If you've been meaning to help with the fair but never got around to it, no is your chance to put in that hour you had. We need Help Friday afternoon and Saturday morning. If you haven't got an hour, have you got an Indian print bed spread? bells? tambourines? palm fronds? We will take as much or as little time or materials as you have. Celebrate. nless a college student has children, a a rule he hould not or promissory notes that we exammed had a prov1s1on for buy life insurance. refund of premiums during the first year. fany insurance companies don't agree with that rule and The policies CU examined tended to he relatively expen certainly don't abide by it. The life-insurance agent ha besive. Typically, the student is sold some form of cash-value come a familiar figure on many campuses and at other learn policy such as whole life or an even higher-priced plan, life ing in titutions. Charles W. Alexander, an agent of Cotton paid-up at age 65. Few insurers offer to finance term insur States Life of Memphis, ''rites in the trade journal Life ance for students; that' perhaps not surprising in of Insurance elling: "The college insurance market is highly the fact that the premium for a term policy would be only competitive. Mo t college student are contacted four to six one-third or one fourth as much as for a cash-value policy. times a year by insurance agent : One of CC's medical Too, student policies are usually embellished with extra-co t con ultants, the head of a hospital program for accidental death benefits (double or triple indemnity). a interns and resident physicians, has ob erved that his tuwaiver of premium for disability, and an option to buy addi dents are approached by insurance men five or six times per tiona! insurance without a medical exam. "The Consumers week. An industry survey of more than 300 life-insurance Union Report on Life Insurance" defines various types oi companies turned up 20 per cent with sales programs aimed policies, their optional pr01i.;ions and riders, and discu ses at college student and young profes ionals who are not yet their pros and con A completely revised and expanded earning enough to pa) the premium.. edition be a\ailable soon. Buy now, pay later In urance men approach the premium-paying problems by offering to finance the fir t annual premium, and frequently the second, with a loan to be paid off perhaps five )ears later. The interest is payable over that period at an annual percentage rate of 6 to 8 per cent or more. In many plans the policyholder pays interest on the interest, too. The five-year promi sory note with a $10.000 College Ma ter in urance policy old by Fidelity Union Life of Dallas in 1970 to a 21-year-old student had an annual intere t rate of 8.5 per cent. The compounded finance charge on the Don't tell papa Companies doing a big bu ine s in college policies often set up special agent in college to" n They like to recruit as salesmen popular campu figure such as fraternity leader recently graduated athletes, former coaches and even faculty members and administrators. Sometimes campus are paid b) agents for bird-dogging-lining up pros pect and introducing them to the agent. In West Virginia, bird-oogging apparently became so prevalent on campuses that the -tate insurance department now bans it unle'ls the bird dog is him,.elf a licensed insurance agent. ----Saver F L I c K 5 premium loan of $151 came to 76.07. A finance company ------owned by Fidelity Union makes the loans and sells the notes In his article in Life In, urance 'elling, Mr. Alexander of Cotton tatf's Life took up various objections rai ed by student pro peels and explained ho1\ he overcome them. n objection often heard, a one might expect, is "I want to talk it O\er my father." Ir. Alexander suggest the followCisco is a movie in the grand American tradition of marihijuana. Cisco (Chris Christoferson) is a young musician and an ex-dealer. He's been busted twice, and both he and his girl, Sue (Karen Black) decide that not on1y is it not worth it, but that dangerous. So hoa and they're both glad he did. Out of the blue one Holland {Gene Hackman), the narc who haq busted him, drops by and suggests that they take a drive. "Either bust me or leave me alone but don't expect me to go for no rides with any cops," was Cisco's reply. On second thought, however, he decided that a ride was better than another bust. Hol land takes him out to his house to reveal a stash of 100 (count 'em) bricks in his garage. Entrapment? Holland needs SlO,OOO in 59 hours, and wants his old buddy Cisco to push it for him. And good stuff, too; the best around in a long time. It's either the pressure or the temptation, but Cisco can't resist it. The film then concerns itself with watching Christoferson deal the key. All of his phone calls, appointments and con tacts are brought to true life on the big screen. While bringing an audition tape to an old friend, he meets Myrna (Viva). He and Myrna and her friend, Lynn, spend a very entertaining evening together. The next day, Cisco's old quitar partner, Jesse, appears, strung out on speed after four days without sleep. Their plan is to pull a group together and start doing some gigs again. But that night, Jesse accon panies Cisco on his rounds. He doesn't come back alive. Thus the film goes. 'lhe "plot" is to the First National Bank of Dallas. According to the au thoritati\C ''Best" Insurance Reports," Fidelity Union Life has de,eloped tht> college enior and graduate market through its specialized college divi ion and more than Olll'half of its in force is in this market." Other big ,eller., such a tiona! Life and Accident of .. ille. Standard of orth Carolina. Shenandoah Life of Virgin in, American l nit<"d Life of lndianapoli Indianapolis Life. Lincoln 'ational of Fort Wayne and tate Life of Indiana fin diana "eems to be a center the college insurance businel:t I, their agent 11 ith a note made out to a hank in the home-ofltce cit\. 'uch a note, signed a colleie-student policyholder, is one of the afe;;t loans imaginable, from the creditor's stand point. Fi r>'l of all. payment i almo t ah1 ay guaranteed beof an arrange ment called a dealer re,erve. For everv financ d in,urance policy an agent sell,, a certain of hi" salel> conunission "ithheld b, the in. urance com and turned owr to the h.tnk nr fi;tance company. (The on the fir-.t CIIIIIUal prl'mium of a lifein:uranre of the kind sold to college -.tudents i a handsome 50-to-75 per cent. l The agent e1 f'ntually gets hi. commi sion moue) from the lender the tudent defaults on the loan. In that ca,..e, either the agent or the inl:turance companv 11ill thl' student. lrt addttion to sign in" a promissory note, the ;;tudent polic) holder must a policy -assignment form. If he die:-:, tht insurance compan) i, made the first beneficiarv ao that it can colltd the unpaid premium and intere t. The in,urance compan) has till another way of as uring itself repayrnent of that fir t premium and the com pound intere,t on it. Built into the typical college -.tudent' policy i a epa rate avings ac<"ount. into '' hirh deposits are paid automatic all}. The money comes, of cour e, as an add on to the premiums paid b the tudent after the first year. After five )Car,, or 11hatever the term of the loan, the bal ance in the saving account 11ill equal the amount o11ed. At that juncture the in urer takes posse sion of the saving account. Insurance men recognize the arrangement as a miniature endowment plan with the insurer as the named beneficiary. For the student, however, it works more like an mstallment loan. Though Lhe promi ory note make it ap pear that he is getting the full u e of the borrowed mone} for a full five years, in reality he is repaying in not merely transparent, but as flimsy and watered down as thrice-used beef stock. I don't believe that it would even be possible to make a good film on such a weak basis. There seemed to be undue attention paid to Christoferson's grimace, which seemed to be the major part of his acting. His singing was excellent, but he didn't learn acting very well while Since repayment of the first year's premium depends on the student' paying future premiums, the insurance com pany and it lending partner take one further precaution. Their promi sory note has built into it an acceleration clau e, a typical feature of retail installment contract_. If the student fail to pay any premium on time, the lender can demand' immediate payment of the entire loan. With the promissory note, he can also readily obtain a court judgment ordering payment. on his Rhodes scholarship. Karen Black, who played a somewhat similar role in Five Easl Pieces, wae very good as Sue. Her ability to play straight parts very sin cerely ie excellent. Gene Hackman as Hol land was blood brother to his performance as Popeye Doyle French Connection well done even though the character is a despisable one. And Viva is Viva. In summary, it seems that something rather unueal happened with this film: there was a lot of effort put into a movie whose plot was really not able to support it in decent style. I left the movie feeling like I had just eaten a Chinese dinner: filling for ahile, but not really enough eustanence to 1 st for the whole evening. DFS ing ripo,.te: Bill. probably firt thing your dad hought for you when you "ere a child was a bank, in to gt't you in tht' hahit nf aving mone}. All you're goinf! to do by talking to your father j, to ask him if you mar t.trt a program to make you do what he ha!t twen try1ng to p;el you to c.ln ince you '"' a. child. Thafa kind uf illy, i._ntt lt Or, if that doesn't work: Bill. tlti prnp:Cdm i de-igned lor you in a way that will enable you to tart it for yourelf, You will he putting your mont'y in the ram, and you "ill co,er your "ift and family with it. This is "h> the deri,ion

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