Ill'.'; II ('." ,I Fi IllI11 ("('.'
BI c
re."
"I'm not young m
tori ," aid Floyd, who
11 reI t roll •
Floyd aid h co idered tbe decision, not a
victory, but "justice under the law."
Floyd id h hoped th ruling would end
m to people - 'not to di criminate agai t
�'_'r,.�TOD'" IGNand
June 21. The
I don't m e up
pent hen
I
track i to erve high chool track
athlet , Roxbury Community Col­
lege tud nts, faculty and taff and
the local community.
About 125 minority construction
job would be created under the new
goal set for the project, which will
bring t e workers earning total­
ling $3.2 million said Ro eanne
Pawelec, pokeswoman for the state
Division of Capital Planning and Op­
erauons.
The n w goal also mean tha t $5.1
million in contracts would be di­
rected to minority-owned design and
construction firms, he said.
"This i a tep in the right direc­
tion," said Rep. Gloria Fo ,D-Bos­
ton. "Hopefully, this will ensure that
neighborhood people can obtain
work close to their homes and dollars
pent will be returned to the pocket­
books of neighborhood families."
Construction is expected to start
in the fall, with the track cheduled
to be completed in January 1995.
o
y
tgi
By CHARLES GIVENS
your application or verbally
that you have applied for other
credit, the rea n and the re-
ults. That way, the creditor
will not be urprised at the
extra inquiry. You will appear
to be an hone t, up-front per-
n.
Third, u a little-known
authorization rule to get unau­
thorized inquirie removed. To
inquire into your credit file, the
creditor mu t have your written
authorization.
You will often find inquires
for which you gave no authori­
zation. Have these unautho­
rized inquiries removed imme­
diately, which make your cred­
it file appear "cleaner."
To get the unauthorized
inquirie removed, send a copy
of the form letter below to the
credit' bureau and another to
, the unauthorized inquirer.
Check three weeks later to be
certain the inquiry has' been
rem ved.
I
DARRELL �OME BANKS
ATTORNEY AT LAW
Over 60 yrs in business
365-7100
PPG Auto Paint
Pittsburg Paint'
Dutch Boy'
Supplies
11515 JOSEPH CAMPAU
DETRorr, MI 48212
Over 30 Years' Experience
IT Will
PAY
TO DEAL
WITH
RAY!
Realty & Investment Co.
Certified Real Estate Manager
B TON P)- The Weld dmini-
tration wants minority bu ines
and workers to play a re ter role in
the building f a 17 million tate
tra k f clliry in Ro bury.
The drninistration currently tri
to award mmority-owned busines
10 percent of tate contra ts, with
O-p rcent mi n ri ty worker partici­
pation.
But und r new goal recently an­
noun cd, th tat will try to give half
of the track project con' truction
job to mmority workers with 30
percent of the project contracted to
B 01 dl Y A t minori ty-owned busin ses.
UI Ing our sse S "The new track will benefit the
It' easier t ave money when it' tashed away before it gets to you. community. It make ense, in this
Aut mali inv 'tment plans on the job arc tailor made to help you reach instance, that the project to build th
financial oals In pite of yourself. track also benefit the community
Many cornp rue offerp y-roll dedu tion plans that let you buy U.S. through economic development and
I Savin Bond that am 6 percent interest annually. With uch a pl�r-:i���MiJll'ent." aid Secretary of Ad-
in 15 yc . you will have aved clo e to 29 thousand dollars. mnu 'on and Finance Mark E.
If your company offers a 401-K or imilar inve tment plan, d�n;'t • Robmson.
p It up. pe ially ince mo t companie will match some or all of
what y< u put into it. Th 'e plans II" you put up to 6 p rcent of your
pr -ta lary into tock or mutual fund , tax deferred until after you
:etire or leave the Job.
AJ o. he kout omemutualfund which offer aut maticinve tment
plans. T money IS transferred directly from your bank a count.
CHARLES
ROSS
YOUR
PERSO At.:
FI A CE
You h ve too much debt on cards you lr don.-
If y u IT h e four or mor rds nd you've run th m up to 0
pe ent f their lirni , you 11 probably rejected when pplyin for
ddition I rd.
Cut Insurance Costs
u t about lu ar In uran bill that h
a pi n to cut c by 40 P nt h year for
Job Buy-Outs
Ifyourcompanyoffe you an "early out", think twi e befor turning
it d wn. Buy-out' and early retiremen ar till very mu h a part f the
corpor t en compani continu t downsi e.
If buy-out offer com your w y. fi t decide if you w nt to leave.
May you are re dy for a career ch n e.
By I w. there n be no ne otiations with early retirement p kag •
but with voluntary- paration offers. you can wh I and deal a bit.
n onann n t only for nefit pa kage. but a future consulting
contra t· well.
Th fair t uy-out would give you thr w k' alary for each year
you've b n with the company. It houJd al 0 provide n extension of
h alth nefi and 1\ provi ion for you to buy health in uran at
comp ny rate for a minim.um of 1 months after you leave.
Travel Clubs
t as much a percent break on hotel r om rate if you
join a travel lub. Th e club. have prung up over the past ten years
and i ally ffcr hotel di counts, but orne al 0 offer d liars off on
meal . .rui . car rental and t urs. Co t for membership can ran e from
a little a _ to a. much '$1
The America Trav I club giv rncrnbe a 5 � drs ount n It: Ii ,t
o 14 hundred parti ip' ting h tel in th U ... and up to 65 percent off
n condo r ntal in th U.S., Mexi 0 or the Caribbean.
Travel xp rts ay membership enefits vary from clu to club, 0
elect one that offers deal in areas you like to travel to.
Th most p pul r f di ounted trav I ervic i Entertainment
Publ: ations. The club has bccn around f r 33 years and publi sh
di c unt .oup n b oks for 119 citie , with over 75.0 participating
merchant. .
M mbe . of Entcrtai nment Publications w re recently ble t et a
27 r om at the Marnort M rqui In ew York for 135. Di coun
u Ily d ri't apply during peak eason.
For m re information call 1-800-2 5-5525.
harl Ro: is Ito t of the nationally syndicated radio program,
Your P r.onal Finance, and author of the Be t of Your Per onal
Finance, and th newly published Your Com/non ense Guide to Per­
onal Financial Planning.
One reason for being turned
down for a loan or mortgage is
that there may have been too
many inquiri into your credit
bureau fil .
Strategy: Have the credit
bureau remove all unautho­
rized or out-of-date credit
Inquines. All major credit
reporting agencie keep a list in
your file of every merchant,
lender or prospective employer
who has requested a copy of
your file. If you have had too
many inquirie during the past
few month , you may be de­
nied credit. It em to a pro-
pective creditor that you have
gon charge-raving mad, or are
desperate for capital and
attempting to get a much
credit as possible. If the num­
ber of inquires into your file
begin to mount up, here are
your trategies.
First, if you applied with one
lender who changed t¥ term ,
add a note to your credit file
rating the fact .
cond, when applying for
new credit or loan. state on
MARV'S
TIRE AND WHEEL, INC.
New II UICd Tlfes
O.E.M. Wheel.
Ouomc Acccuories II
WAJlVIN FLOWEkS. SI .• 0w0H'
MAIlVlN FLOWElS,]Jl .• Co-OwOCf
(313) H7-7H3
heels
1833� W. 7 MILE
2 BLOCKS W: OF
SOU1HFI.ELD X- WAY
c
(313) 865·3619
Reparation Todayl
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o
M< Aom,n."
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• Fre h Flower Arrangements • Fruit Basket •
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• B 1I00ns· tuffed Animals·
4135 Woodw rd • Detroit • Across from Harper Hospital
HAL-EILT HOMES'
48203 - �e1'\ '28-57'7
313 8ee-0033
. FAX - a1, '28-9133
Commercial Store Fronts
Hou e Glass, Tabletop
Mirrors
RAYMOND J. KLO$
MANAGER
Loe.ted Ta Serve YO!}
863·J222.
11000 W. McNichols
Det. MI. 48221J Suit. B·5
EXCELL T
CELLULAR PHONE
2 SUNROOFS
2 TELEVISIONS • VCR
STEREO CASSETTE
57J-Jnl0