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2-B—THE CHRONICLE, Clinton, S. C., June 19, 1969 The Supply Bill :V The Laurens County supply bill, ft**--- Introduced last week, makes provision for some services sorely needed by the county’s citizens. It includes $35,000 for machinery for a new garbage landfill system. This is the first step toward estab lishing a rural garbage system. As the county grows, its garbage disposal problems increase — particularly in the rural areas. Previously, the coun ty has had laws concerning garbage dumping along roadsides but provided no rural dumping areas. County officials hope that land will be donated for the purpose of rural dumps. The Catawba Timber Co. already has agreed to provide land near Mountville for a pilot project. We hope others will come forth with • ■# donations for this worthwhile and needed project. The supply bill also includes $20,- 000 for microfilm equipment to make permanent records of all county docu ments. This is mandatory because county records are in serious danger in the current courthouse. The court house is highly susceptible to damage by fire. Records, often stacked in hallways, could go up in flames. We hope county officials will press the microfliming project through to quick completion. The supply bill’s salary increases for county employees also is needed. These are inflationary times and an increase of nine to 10 per cent is not out of line. We particularly can't argue with raising department heads’ salaries from $8,382 to $9,000. If anything, the $9,000 salary is too low for such jobs as county sheriff, county treas urer, county supervisor county audi tor. Laurens County is fortunate to have the calibre of people who are in charge of the various departments. Their salaries should be comensurate with their efforts. The supply bin totals $1,024,878, topping the $1 million mark for the first time. The county’s legislative delegation apparently has done a con scientious job of trying to provide some badly needed new services while maintaining the same 14-mill tax levy. Members of the delegation warn that they probably will not be able to hold the line against a tax increase next year and that's something to keep in mind as you make your de mands for more county services. If you get more service, you should ex pect to have to pay more. One thing’s certain, the legislators aren’t playing politics with the tax increase. Politically, this would have been the year to raise taxes. Next year is an election year. THE POWER OF A WOMAN There is an old axiom about not underestimating the power of a wom an. It is even more difficult to meas ure the collective strength of a group of women. Evidence of the formidability of coordinated effort by our female citi zens can be found in The Lawbreak ers, a book co-authored by Mrs. Mar garet Moore, Indiana’s Mother of the Year in 1965, and her son-in-law, M. Stanton Evans, editor of thje Indian apolis News. The book consists of two parts, the first dealing with a description of the problems of growing crime and its im pact on our society. The latter sec tion describes the growth of the In dianapolis Anti-Crime Crusade. Though the section on lawlessness is shocking, the last seven chapters and conclusion offer a plan worth du plicating in other troubled areas of our nation. It tells how the senseless murder of an elderly school teacher by a 15-year-old purse snatcher led to a meeting of the presidents of several of the city’s leading women’s organi zations to discuss the problem of crime in the community. From this grew the Anti-Crime Crusade and an atmosphere of cooperation between police and citizen, and between black and white. The results range from a Stay-in- School campaign to help stem the tide of school dropouts, to a Spruce-Up campaign which earned a Freedoms Foundation award for Mrs. Mattie Coney, a leader of the black commun ity. Another Indiana city appears headed in the same direction. An or ganization known as “108 Concerned Women of South Bend” is setting its sights on the petty thief in the mar ket place. This includes the shop lifter and vandal who adds to the cost of living by increasing operating costs of the store keeper. We wish the South Bend ladies well. Perhaps they will write a chapter of their own and get others to follow their lead. TAX TIME This year, add eight minutes of your eight-hour work day to the time allotted for paying taxes. We recently saw a graph which showed how much work time is de voted to the cost of living. One hour goes toward the cost of housing. Fifty-six minutes is for food and tobacco. We spend 40 min utes of our time earning money for transportation. Clothing takes 25 minutes. Medical requirements take 21 minutes’ work. Recreation ab sorbs another 18 minutes and other miscellaneous uses take an hour and 46 minutes. What portion of the eight-hour day is put into earning enough to pay the various costs of government ? TWO HOURS AND 34 MNUTES. In 1968, it was two hours and 26 minutes. The preceding year, two hours and 19 minutes. In Bad Shape O The Sizzling Seventies BY BABSON’S REPORTS INC. WELLESLEY HILLS, MASS.- During the decade of the seven ties we anticipate a growing quasi-peacetime economy with moderate but acceptable infla tion. The Nixon Administration is already committed to slowing the inflation even if it requires a “mini" recession. The American public is now demanding peace. The Administration must create at least a quasi peace, but it is doubtful whether we will be com pletely out of the Far East even by 1980. With these basic pre mises, the Babson’s Reports Re search Staff envisions a growing economy du.ung the seventies. INCREASING POPULATION AND INCOME Another population explosion is in store for the coming decade. The World War II baby boom peaked during the 1950's, and these postwar children are be ginning to reach the family-form ing stage. While better family planning -- including various birth control measures -- has resulted in a lesser number of children per family, current fig ures show a turn upward in the average number of offspring. Personal income will continue to rise, but not as fast as it has during the latter part of the six ties. We anticipate that average income will reach$10,000 by 1980. We also foresee a four-day work week and longer vacations. With the increase in family formation already starting, the building industry will have to keep pace. During the next de cade the demand for housing of all types will necessarily result in a building boom. New types of construction (primarily modular) and materials (plastics) will be important growth factors. Home accessories will also share in this building boom. YOUNGER INFLUENCES Since the average age of our population is getting lower, and youth is becoming a more domi nant part of our economy, those industries which serve this seg ment of our population should do well during the upcoming decade. Life insurance, apparel, and edu cation are three important groups that serve those under 30. Life insurance programs are usually undertaken when a couple assume the’ financial responsibilities of family life. The current young set have be come very fashion-conscious and are leaders in setting the trends for the apparel industry. Cos metics fit the same mold. Another beneficial factor is the expected increase in personal income. As income rises, a greater percent age is spent on clothing and cos metics. Leisure-time industries which have been doing well in the latter part of the sixties will continue to thrive into the seven ties. FUTURE TECHNOLOGY With the great technological advances that have occurred in recent years, some may wonder what is coming for an encore. We foresee many new Ideas and improvements in the seventies. Synthetics and plastics represent the brightest segment of the chemical field because of their many still untapped uses -- apparel, construction, and con tainerization among others. Nu clear power, despite present high costs, provides an almost un limited source of energy for the future. The mini-computer and more advanced peripheral equip ment offer the computer industry great potential during the coming decade. Time-sharing has grown tremendously in the past year and will continue to do so as many new applications are devised to help even the smaller business man in this computer age. Fac simile reproduction is another part of the office equipment field that appears to have a great future. President Nixon has ordered that 25,000 American troops, mostly from combat divisions, be withdrawn from Vietnam. This is the first reduction of U. S. forces, and indicates that Vietnamese troops will be tak ing over a larjre share of the fighting. TROOP REPLACEMENT From the standpoint of Amer ican force levels, the action will be a reduction; but from the standpoint of the fighting gen erally, it will be a replacement. As lonir as the enemy fi^htinK continues to rise in intensity, there can be no peace, and no reduction in the over-all war effort. The replacement of American troops with Vietnamese troops has been made possible because the Nixon Administration has taken effective steps to improve the traininK and equipment of the Vietnamese troops. It is a signal that the Go> eminent of South Vietnam is willing and able to assume more trust and responsibility for the actual fighting operations. This action by the President is an action calculated to begin untangling our forces from a war characterized almost wholly by defensive action. Throughout the war, our troop increases were a response to escalating enemy offensives. The civilian planners of the former Adminis tration overruled the best advice of the military on winning the war with decisive offensives. These No-Win policies have ex asperated the American people, and brought about a situation crying aloud for an end to the fighting. OUR OBJECTIVE President Nixon has heard this cry, and moved the battle field to the conference table. It is still possible to attain the original objectives of our in volvement in Vietnam. We can bring about an end to the fight ing, leave behind a viable gov ernment in Saigon, and put a clear stop to Communist aggres sion. President Thieu is in full accord with these objectives, as demonstrated by the recent meet ing on Midway Island. At this meeting, both reaffirmed their support of President Nixon’s eight point peace proposal to North Vietnam. These eight points are as follows: The ocean and the sky will re ceive continually increasing ex ploration during the seventies. People will visit the moon on a regular basis by 1980, perhaps living there for extended periods, engaging in basic scientific re search. There will be great demand for solutions to air and water pollu tion problems and for new and better nethods of rulibish dis posal. Medical science can be expected to astound us with cures for heart disease, cancer, and 1. As .soon as agreement can be reached, all non-South Viet namese forces would begin with drawals from South Vietnam. 2. Over a period of 12 months, by agreed upon stages, the major portions of all U. S., Al lied and other non-South Viet namese forces would be with drawn. At the end of this period, all non-South Vietnamese forces would move into non-combat base areas. 3. U. S- forces would complete their withdrawals as the re maining North Vietnamese forces returned to North Viet nam. I. An international supervi sory body, acceptable to both sides, would be created for the purpose of verifying withdraw als, and for any other purposes agreed upon between the two sides. 5. This body would begin op erating on an agreed timetable, and would participate in ar ranging supervised ceasefires. 6. As soon as possible after the international body was func tioning. elections would be held upon agreed procedures and un der supervision of this body. 7. Arrangements would be made for the earliest possible release of prisoners of war on both sides. 8. All parfies would agree to observe the Geneva Accords of 1954 regarding Vietnam and Cambodia, and the Laos Accords of 1962. These eight points, if effec tively enforced, would secure our minimuni aims in Vietnam. NO COALITION It is especially important that both President Nixon and Presi dent Thieu have reiterated their determination that a coalition government—a government that includes Communists—will not be forced upon the South Viet namese people. With the eight points, and the replacement of 25,000 American troops with Vietnamese troops. President Nixon has truly open ed the door to peace in South east Asia. 1 % However, as $mg as the enemy continues combat action and ter rorist activities against civil ians, it will be .difficult to step through that d^or. i ri-in nn j|j (not pripmred or prinUd t gorommont even the common c dd. mmmmmm SENATOR STROM THURMOND REPORTS TO THE PEOPLE iwswsifcj THE DOOR TO PEACE Welfare Meeting Was Shocking BY THURMAN SENSING Executive Vice President Southern States Industrial Council Some of the ugliness and moral cowardice on the national scene these days is almost beyond be lief. Certainly, it is hard to be lieve what happened at the re cent National Conference of So cial Welfare in Washington. Yet it did happen. The “Washington Post' was handicapped in its reporting of the shocking events at the con ference, for much of what was said could not be printed in a family newspaper. The 5,000 social workers who gathered in the capital for their annual meeting were subjected to a stream of four-letter obsceni ties. Members of welfare “rights’ organizations jumped on the stage and took over the mi crophones. They shouted vile words at the audience of social workers. These workers were called “racist pigs'and members of the “white imperialistic op pressive society." Such terms were mild compared to other words and phrases employed. The “Washington Post’ referred to “obscene" demands made by the welfare mothers. But that wasn’t all. When one of the captive audience attempt ed to lead a mass walkout from the conference room, a hu man chain of welfare mothers blocked the exits. Dr, George A. Wiley, head of the welfare pro testers, declared nobody was go ing to leave until thousands of dollars were anted up for more of the poor to attend conference meetings. With that, plastic ice buckets were passed around for financial contributions. The “Post" reported that it was necessary for the temporary ballroom dividing wall to be re moved in order for the delegates to the conference to escape. This unspeakably crude and insulting session was not the last, however, Wiley and his wel fare mothers carried out other interruptions of the proceedings during the remaining days of the conference. Unscheduled speak ers, who broke into the meet ing, included black social work ers, Puerto Ricans, an Indian and a young woman who shrilled that she was a former mental patient and an ex-drug addict. The social workers apparently were stunned by the experience. One of them told a reporter: “I said to myself this couldn’t be happening to US." As shocking as the behavior of the welfare mothers, was the craven attitude of the outgoing president, Dr. Arthur S. Flem ming, who also is president of the National Council of Churches. He didn’t order the silencing or removal of the welfare mothers who shouted obscenities at the delegates. On the contrary, a- gainst the advice of some of his board members, he refused to stop anyone from speaking. When the time came to turn over the presidential gavel to the incoming president, Dr. Fleming bragged ‘I did not use this gavel once this week -- I didn’t think it was appropriate." The public has no idea what the delegates thought of Dr. Flemming’s toleration of ob scenity-shouting disruptionists. But many Americans familiar with the story of these shocking events in Washington must be sickened by Dr. Flemming's at titude. The country simply cannot afford mental confusion or moral leniency in confrontations with barbarians. This is what America really faces today, and which was manifested at the social work ers conference in Washington -- barbarism. Educated men and women who refuse to apply the remedies of law and order when confronted by savage behavior, as in the case of the welfare mothers at Wash ington, are exposing the nation to rule by barbarians. It is a mistake to think of bar barism and savagery as features of the ancient past or remote jungle areas. Even the most ad vanced societies can be exposed to primitivism within. The methods used by the welfare “rights" organizations are mani festations of this primitivism. In New York City, members of welfare “rights’ have attacked city welfare officers, broken fur niture and upset files -- all because they weren’t getting the size relief payments they de manded. Toleration of this kind of violent behavior is impossible if America is to remain a civi lized otM»try.~fck»me peopte-ap- paraatly-regard toleratioa^g th* ultimate virtue, but it is obvious from the ugly events of our time that excessive toleration is a ma jor evil. It opens the door to the worst excesses in human behav ior. It is time for all Americans to view toleration in perspec tive and to insist that the organi zations to which they belong adopt a get-tough policy with respect to disruptionists. Life Insurance BY RICHARD GANTT Attorney Presbyterian College The first American life insu rance company founded in 1759 was called: A Corporation for the Relief of Poor and Distressed Presbyterian Ministers and Their Families. From that time on life insurance has grown con siderably and affects all our lives. The three main types of life insurance are Ordinary, Indus trial and Group life. Ordinary is oldest classification and can be used to protect the family but is a means of accumulating money for the policy owner as well. In dustrial life policies are usually small policies where the agent collects the premium weekly or monthly. Group life insurance is a means of insuring a group of peo ple under one policy. Because there is only one master policy, and other reasons, group insur ance is less expensive than the other types of insurance. Usually a portion of the premium is paid by the employer and the balance by the employee. One way to identify a life in surance policy is whether it is participating or non-parti cipating. With a partic4)atingpo licy the premium is slightly high er than the company expects will be needed. Then the policy holder receives a refund in the form of a dividend based on actual o- perating experiance together with an estimate of future trends. In a non-participating policy the pre mium rate is fixed at an amount which represents as closely as possible what the company expects will be needed to pay the cost of providing life insurance. Thus the actual cost of a non participating policy is guaranteed in advance for the life of the po licy. There are tio basic types of life insurance companies, stock companies and mutual com panies. A stock company is owned by stockholders who finance its operations and assume the risks of ownership and management. A mutual company is owned by its policy holders and all its funds are held for their benefit. A mixed company is a special type of stock company and combines the fea tures of both of the other types. There are basically only three types of individual policies: term policies, whole life policies and endowment policies. However, there are many variations of these and almost daily the insur ance companies are designing more. A term li f e insurance po licy provides termprary protec tion. It’s as if you were renting an insurance policy. It may be convertible into whole life or en dowment plan insurance. Of course, the conversion premium would cost more that the term premium because the policy hold er is getting more value for his money. A term policy is usually taken out by the husband to pro vide additional protection while his children are growing up, and when his budget will not allow the purchase of permanent in surance. Lifetime policies provide life time insurance protection with payment of face value at death of the policy holder to the bene ficiary selected by him. The pro ceeds of the insurance contract are free of income tax but will be normally included in deter mining a policy holders taxable estate. Therefore the insurance proceeds would be added just as his house and other property to determine the impact of Federal Estate Tax and South Carolina Estate Tax. Lifetime policies contain non-forfieture values where the insured may borrow money from his life Insurance company, using his policy for collateral or he may stop paying premiums and continue insurance protection on a modified basis or receive a cash settlement for the complete termination of the contract.