TE Eee a Seeeeatiatant v4 , . Boog 8 “ERLE SST ARS LER Tne Pea ee aT M hee aap ad ag | ASSP ag amherst nts MEDAN ERTS TAI AR RNR ‘ath “ wi - . : _ a 7 \ ot he Stat Writer: Photek pher: _ a _ Keith’ Alford-.. 7 “Don Schatier “Récepiion. Classified: oa * Carolyn Gibson . Mee _ Cireulation: Marla Taylor. _ NOTICE oF copyricnHt = The Herald retalns full, complete and sole copyright” ‘- ‘in any advertisament produced and-or any editorial - ae 3 oF photographic content published In thé. Herald. mo Reproduction Is not permitted -without the weltfen ., ‘permission af the Publisher. - _ _ Borrowers warned _ TORONTO (CP) — A bit of advice for prospective ' borrowers; Never borrow money from a bank the aame day rate changes go into effect. :Although bank managers and loans officers are usually anges in highly visible --- prime and i mortgage rates, they’re often less well-informed : ~wabout changes in consumer Joan rates, . For example, if the minimum consumer loan rate dropped a . a&half point, effective on a Friday, a bank might not receive official word through a circular until the following Monday... A customer borrowing money on the Friday then would. ~ immediately aware of the latest ‘probably be quoted the wrong rate, unless the Toans officer Phoned head office to Bet the latest rate. : . iBanks, sensitive to public rumblings they've ‘been fiting from high interest rates at depositors’ expense, ; “apknowledge this communications shortfall might oecur~ | but say it’s likely any mistake would be caught by the time: ~the loan.is approved several days later. As‘ well, most tes before discussing a-loan with a: customer. . They also paint, to the ether.aide of the goin - rest rates are rapidly rising, any mistakes in quoting - ; rrowing charges would benefit the customer. - ebsure their branches are provided the latest rate changes ag quickly as possible. ‘There doesn’t seem to be an easier or quicker. way to get information to the branches, '' gays Janice Denike, spokesman, for the Royal Bank, the country’s largest . financial institution, “As soon as a rate change i is made, circulars go cut immediately." © _. Denike and Loren Chudy,'a Bank of. Nova ‘Seotia : spokesman, both say they’re unaware of any customer complaints , about mistakes in borrowing charges. . - tAlthough the banks don’t believe this isa major problem, : they nevertheless run the risk of losing prospective 3 ‘eistomers if they're quoting erroneous rates, {When the prime lending rate fell to 12.5 per cent Dec.. 7 apd some other rates dropped, an infornial. “telephone. . ervey of about 1. Toronto Dominion Bank branches in the etropolitan Toronto area revealed only two.were aware “the bank's minimum consumer loan rate had dropped that, ~day to 15% from ‘15%. {Most TD branches were still quoting rates at. 15%, while some said the minimum rate began at 16%. t (3 banks, however, were ¢ on top of changes in mortgage rates, with nine of 10 Bank of Montreal branches surveyed * - ayare that the bank’s one-year rates had dropped that day’ by half-a point to 13 per cent, - ‘One TD loans officer at a suburban branch’ sald she couldn't quote new rates until the branch. received a cir. : ctlar from head office. ; (‘Head office calls the: shots, we just follow. through, ” she : said, ‘Another said the TD usually sends changes through its yet." notified as quickly as possible and any mistakes would. be chught by the time a loan is processed, : ‘Helen Anderson, a spokesman for ‘the Consuniéta* “ Absociatlon- of ‘Canada; said the organization - -hasn’t réceived any complaints from people. charged the wrong isan rate. However, she said mistakes can occur and a consumer's best.safeguard is to keep abreast of rate changes before. going to borrow: mioney: | Refug ees abdabted | TEGUCIGALPA “CReuter} an hencle Gah hed cles 2,000 Latin American political refugees as immigrants, including | many living in makeshilft-campe in Honduras, smploynient ‘and. ‘Immigration Minister Lloyd Axworthy sald today. He also told a news conference at the end of a three-day. vite : that he will soon set up. a commission to review requests from political ‘refugees wishing to emigrate to ° Canada from-the camps in Honduras.’ . He said that when he. visited a refuges mp near the Honduran border with El Salvador, fr Salvadoran refugees, complained of being - violenth Honduran soldiers. - Axworthy sald Canada is concerned with tha Féfugees’ 7 _ wellbeliig, and that he had discussed. this with Honduran , Interior Minister Oscar Mejias, Officials say Honduras has 32,000 refugees from political . violence in neighboring El Salvador, Guatemala and Nicaragua. : Axworthy leaves: for Mexico on Thursday. 7 ‘ 7 seal ‘Harassment lawsuit ‘have ‘settled , out idanagers and loans officers would call to get the latest - EThe banks contend they’re doing the best they can to . smputer network, “but 50 far Thaven't recelved any word Youre pencrncnasl [1 istreaied by “LONDON: (AP); = Three women wi filed. f of court -£ glen ised ano brits froma itain’s first’: 0 Qpporiitles oinrniision, : hether the law wered sexual har : rer THe coop > NEW OUTOE OTTAWA? OE THIRD OFOUR nil. “| SERVANTS DON'T KNOW WHAT THEY'RE DOING, WAICH MEANS THAT “| (WO THIRDS MUST KNOW, TAKE HARRY HERE WHO KNOWS. EXACTLY. Tl WHAT.HE'S DOING. WHY HE'S BALANCING ON HIS CHAIR AND ees iu WUMMING ATUNE WHILE SHOVING HISFINGER, UP HIS NOSE. HARTFORD, ‘Conn, (AP) —A young man's severe brain y injuries left hity gartlally.naralysed, blind, aperchless.ind — when in: § £ = unable | fo ven appeced "coral SUPP MOMee crash’: other man’ a red. normal ‘bui can no. longer _ Withstand the rigors of academic life and. has abandoned a career ag.a college:professor, |. Both suffer from the effects of traumatic brain i injury, a , “silent epidemic’ that experts say may afflict more people than ‘the total number . of - victims of cerebral ‘palsy... “muscular dystrophy, multiple sclerosis and spina Sy injury combined. life.’ . _ Most victims are male; between the ages of 15 and 30, ‘. says the Traumatic Brain Injury. Support Group, Inc., ay ” private, non-profit: organization, based in Norwich, Conn. . Sixty per cent are injured in highway crashes, and another 14 per cent are hurt in falls or sports. The rest are victims of. assaults; gunshot wounds, swimming - and. bicycle. at cident, and child abuse. . ' Their injuries range ‘rom. a bump on the head io severe blows to the skull. For many, like the former college professor who bears n 10 outward sign of injury, life is filled. ‘with misunderstanding, : frustration and withdrawal. “Thave a young woman: who was a respiratory therapist and now she is unemployed because she’s so fatigued she. ean no longer work, a full day,"' sald Jean Harkens, director™ § of the: Troumatic Brain Injury Support Group. . = = Victims face silent epidemic retardea “PRI victims are misdiagnosed as mentally lly ‘eannot,hold,9, job because .,. arded.she sald, They wana i oc Bo ne empl ers, cannot cope, W repeated’ ‘pnd explicit ection . Because of their dependence they, place financial and. - emotional burdens on their families. “People ‘who formerly - - lived in a better way, they imuat now accent doles in mone ta get by,” Harkens said. ” * The iijuiies frequently result ina rebounding of the brain . i om within the skull, leading to ‘damage far from the” initial ; The U.S. National Insitutes of Health says 500,000 people’ ae Survive severe traumatic brain injury in the United States - each year. “Between 40, 000-and 50, 000 never, return to normal. injury. location. . - _ Since specific. areas. of the brain. control various’ in- ‘fellectual and physical - functions, : each injury usually produces a special set of problems.. They .can include ~ temporary “OF “permanent disability: in. concentration, - ‘memory, learning, abstract thinking, social adjustment, joral and yritten communication. and . Physical cae ‘ordination. . Because of the complexity cof brain injury, ‘complicated oe Payments tohtoned |, fie lid‘ on family. allowance ‘payments this month Soa ~ though ‘Parliament has not: yet given: its approval “plan, @ sénior éfficial sald today. .. MTOng! : 2 BO discrimination ‘against =the: plaintiff’ 's lawyer, [ nd any of thelit employees on the grounds of har sex and: portunity irrespective of thelr nex.” - “Hill and. Williams : “glleged that sexual’ harassment by ; at: forcing them to quit. q- "Bull, who had been an office ites rat the netiepaper for “48 years, eaid reporters ¢ and editdra w “very, very kind," ~ but. male editorial messengers told them: ‘they “‘didn’t want ” women. -betause they. said we were. taking the bread and 7 hintter out of meti’s mouths," <..* ‘Haddon complained she waa dlacriminated against by the: — paper’s refusal qver the Jast three years to-promote the ‘from office cleaner to: editorial messenger, She said that - meanwhile, 11 mien gat ‘Jobs as editorial messengers, - Pannick sald the} paper has promoted Haddon to editorial © “messenger and had put Hill and Williams, who she ‘been * a moved to reliet st, back @ on a reguler shift, ‘orraWa (CP)— ‘the federal ‘government inti \ “We're “operating © under ‘the assumption ‘that fasaily’ . - allowance rates will be capped,” bald Pierre Fortier of the, ; a Health’ Department. * . ‘Under the government’ 3 restraint poogram, ineréaved in ‘the monthly cheques to mothers will be held t to six per ‘cent *. this' year and five per cent in 194, ~ Payments this month: will ‘rise to $28.52 for each child . = ‘under 18 in most parts of the comity trom the 1962 level or on icoias: amonth co ee ety ~ Normally, payments tite jeak’ trould have risen to $29. 92. S27. a-mnonth to keep them fully'in line with changes Jn the . ' Parliament last: month authorliing aix-and-five caps on ‘ consumer price index. =: ~ ae ; ‘The’ government had hoped “to “get a bill throiigh family allowances, but the bill did not win approval | before the Christmas. recess. MPs return to work Jan. ~ about the: same time tamil allowance cheques normally. go out. _ Fortier naichJamyjors-inothe,Fipadih snd chustiog Depart . “engure that all.of their einployees enjoy equality of Op leagues. in‘the union-started after tliey were ap: a pointed as‘ the. “Dally “Mirror's: first female -editori 1." > Myessengers almost three years ago. They claimed it was ; ments agree changes in the programy Sanita ATIAME. DOR AR _ long as the bill is passed before the end-of 1988, - che The. decision to- proceed is almost certain to ralse the. hackles of- both opposition parties in-the Commions. - New Democratic Party Leader Ed Broadbent said tat ‘ onth his. caveus would. consider. cwatbe payn iif government started limiting fanilly allowante paymen pension cheques without the. pein approval of Parlament. The family allowance bill is one of three six-and-tive bills still before the Commons..The other two bills would Ilmit _ Increases in the federal old-age security pension, andthe .. - pensions. pald to retired federal public servants. © .. - Fortier said old-age pension - cheques are . ‘normally . received at least three banking days before the end of the . - ‘and individvialized rehabilitation programs are needed; But - until recently treatment consisted mainly of neurosurgery . : “ad ‘convalescence...” . &o“Many hospitals’ have Aetablished : eéparate head’ injury unite inrecognition of the fact that very special therapeutic + Framingham, Mass.:. hat arise in the patients, che sald. « Port expectations unmatched | VANCOUVER (CP) — The results didn’t match the high . ‘expectations in 1962 for the Port of Vancouver as the sour ' economy and 4 17-day labor’ dispute dropped tonnage below 196) totals. ° The drap Is slight, however: Final figures are ‘not TD spokesmnan Lynn Carlisle aald the branches are ; available but the port estimates a year-end trdifié:total of ‘49. 2 million tonnes, down from 1981's 49.5 million tonnes, . However, a year ago port authorities had confidently ~ predicted Vancouver would: handle more than 50 Anillion ' ‘coal and forest products plummeted and the B.C. Maritime ° Employers Association locked out..the. port’s. 2,000 longehoremen as part of a provincewide closure. - ‘CP Rail, like the port, felt the aales of bulk commodities go soft: The railway, which hauls coal, potash, sulphur and- . other commodities over its mail line between Calgary and Vancouver, National Railways reports a Poper-cent drop in traffic. ° For Better or For Worse That ' was : before sales of primary commodities such as reports a 15-per-cent traffic decline. Canadian . . om Vancouver port ‘ spokesmen David Steel said the outlook ~ for 1983 is difficult to forecast because it’s not known when the markets for a number of key western Canadian: export ; ‘commodities.— most: notably . lumber — will improve. ' " “Present indications are th fiiny meaningful pick-up in sales will, nat occur before th flatter half of 1983, ” sald. ' Steel. Jongshoremen’ ‘began work slowdowns, in traffic volumes that was originally. expected. hs George Hedalen, Vancouver manager for the ‘canadian 5 Wheat Board, said it might. he possible for the port:to ; recover from the logs. of 40,000 tonnes a day of Grain ship- ‘ ; ments during the shutdown. . In the erop year 1681-82-which finished July 31,. oix. ter: . = — YOURE CARRYING: “THIS TAING “Wo - ‘Even in these units, however, there are rarely personnel . ‘trained to treat the cognitive and “behavioral " problems. The labor - lockout, which | ‘was | “instituted after the - didn’t put the crimp - ‘approaches ‘are required,” said: Dr. Martin: Spivack, — . “president of the National Brain Infury Foundation based in. “ineludirig M. Fredericks, Tne, of Selden, N ‘Yo the release ‘minal leva ors at Vancouver and Prince ‘Rupert shipped. | : “out a récord 11,591,966 tonnes of grain. "The current loadings are running 500, ooo torines below Init: ‘. ‘year "levels but good weather could help pick up the slack in January and | February, anid ‘Hedalen. ‘aa mee Federal regulatio * mail-order company’ ‘is” ‘ope s department says. me month. This month's cheques woilld normally be out by Jan. 6. The government presuriubly enyects the olbage vecutiy bill to be passed before: ‘then: ys . “As fay as the cldage security is concerned, we're sin walting for Instructions,” Fortier said.. The Treasury Board algo hopes: to get lts- sinaindive . pension bill through before: cheques for some 190,000 retired civil ‘servants are due to be, mailed Jan, 25. / ‘The bill affecting former government employees would actually limit increases in pensions to 6.5 per cent this year + and 5.5 per cent next:year. The slightly higher Umits were. the’ result of: pressure. on Liberal MPs shy mutie service ° unions and pensioners. ; * - Consumers warned. . OTTAWA (CP). — Consumers. should | beware of. a. _ misleading mall-order deal. offering a.gold-plated necklace _ as 14-karat gold, the Consumer Affairs Department warned Tuesday. The three-day offer. by a Us. mail-order company ap. pears ip an advertisement published in various Canadian Newspapers, the department said in a release. ; . The company may be operating inder ‘different names, of says. The. advertisement oftera a “genuine 4K. gold necklace” avilable ini'15-Inch' ‘(38.10-centimetre) and 18-inch: 472. centimetre) lengths for $5 and %, respectively. “However, teste -pondurted on chain by. ‘the Royal _ Canadian Mint at the’ request of the: department have © : determined that the necklace is. merely gold Plated. and _tontdins .02-per-cent {idld,” the’ reldase saya. A i¢-karat article should donthin $8 per: cent gold. to “prot ct. nadia Consumers , against. such claims wepe | ésed in 973, “But: the regulations don’t ever this case because thé .df precious: metals to: Be cautious about “opportunities of. a “lifetime” belng : offered at abnormally low prices. —Buy only from reputable retailers or mail-order firtas. Always try to relate, the’ ‘current market price of any: " precious metal with its content In thé artlele being bald, at.: _ the article's price. , ~Be suspicious of limited mailcrder ofte lasting for’ “short. periods. “In many instances, it-means the company... . -making the offer is Boling t to last for only @ a | short period as i well i oop ee eae Canada, the; i eP . mee > Ie advises consumers m cnn initrd purchases - me