Students Warned of 'Deals'

the uwm post Register and vote Wednesday, June 28, 1972 No action taken on plagarism By Chuck Barnes of The Post staff Termpaper mills for a nominal Warning: Any past, present or fee produce termpapers, take future use of termpaper miUs home exams and themes which may prove hazardous to your meet the student buyers' specific scholastic endeavors. Especially needs. \ if you're a student at Madison. Of the seven termpaper mills While "restrictive holds" were which offer their services to stu placed on the official records of dents here, only the instate Uni about 600 UW-Madison students versity Research Works was sub accused of using termpaper poenaed and forced to make its mills, students who went to the records public. now defunct University Research Works, the resident termpaper Attorney General Robert War mill here, will not have any form ren, under the auspices of the al charges or academic holds Department of Agriculture, is placed on their records at this sued investigatory subpoenas to time, according to David Robin look into the major state term- son, dean of student affairs here. paper mills in Milwaukee and Madison in May. Although opposed to plagiarism and considering student use of Immediately thereafter a com commercial writers as a blatant plaint charging unfair trade prac form of plagiarism, Robinson tices was filed by Warren. Charg said, "I have no plans whatso es filed under the Unfair Trade ever, to take any discipUnary ac Practices Act made the records tion against those students who I of Wisconsin's termpaper mills know have utilized the services public record and easily acces offered by University Research sible to the UW system for its' Works, with the information I now own investigation and possible have." prosectuion of students who uti lized the service. Any action to be initiated against those students who used the serv The Attorney General's indict ices offered by University Re ment charged that the selling of ARE YOU AFRAID to have your bike stolen? search Works will be left to the take home exams, termpapers WeU, the Union is now providing a babysitting discretion of Robinson. and themes was unfair to the stu service for bikes. (Post Photo by Jim Brill) dents who compiled their own The number and names of stu papers. The indictment also dents here who utilized Univer charged that the sale of such sity Research Works is not papers represents afraud against known, Robinson said. the University System. Lucey proposes spending cutbacks The Union may "close up," classes may be few A reduction of open hours, closing of the recrea to the Union was expected to generate additional er and more crowded, and instructors may have tion, music, craft and art centers appears im funds, as it has, he said. increased teaching loads thanks to Gov. Patrick minent if the plan is followed. The plan is J. Lucey's new "productivity improvement" scheduled to go into effect July 1. The operation of some of the nonfood service plan. facilities "may erase part of the deficit." Hock's forecast for the Union wasn't quite as Lucey ordered all agencies of the state to list dismal. Attempts to streamline operations would be low priority programs for cutbacks in each de made, Hock said, "but we've been trying to for partment. "All indications seem to show that we will be the past four and a half years." budgeted on this basis," Hock said. With other cuts ordered by the governor, the Additional cuts will have to be made in aU areas total reduction in spending is to total 15%. "We will comply," Hock said, "but I don't think of University spending, as well as the rest of it wiU have that effect on the operations." the state. Faculty members will not face salary According to Frank Bartow, director of the Un cuts, according to Hock, but may have to teach ion, the spending reductions "would almost close He said auxiliary enterprises generates the funds more classes. us up if not close us down." it spends and is, ideally, self-supporting. It is also possible that there will be fewer, more Bartow explained that the vast majority of Un The Union, Hock said, has additional problems crowded classes, but additional funding is avail ion spending is taken up by nonvariable expenses, because it was budgeted at a $100,000 loss for able according to enrollment increases, he said. basically the food services. the 1972-73 year. The opening of the addition Who needs insurance? Students warned of 'deals' From the moment a student enters Isn't it difficult to sell a policy to From the creditor's standpoint, such ance policy financing note may be im college to the time he graduates, he is someone who can't afford it? Insurance loans are among the safest imaginable, possible to cancel. Life insurance is cus buried under junk mail from people try men have their sales pitch so programmed says Consumers Union. Its full report tomarily sold for a year at a time. ing to sell him life insurance. to this hurdle that they can often turn on the sale of life insurance to students, When a student is persuaded to buy a ^ "It's the best investment you can it into a selling point. The companies contained in the January issue of Con policy and sign a financing agreement, $&* make," he is told. "You can never buy approach the premium paying problem sumer Reports, explains why the lend he is committing himself to buy a full it cheaper or with so little trouble." by offering to finance the first annual er's risk is so minimal. year's protection. Nonsense, says Consumer Reports, premium, and frequently the second, One element involves a miniature en None of the policies or promissory published by the nonprofit Consumers with a loan to be paid off perhaps five dowment policy built right into the in notes examined by Consumers Union Union. "The last thing most college stu years later. surance policy. At the end of five years, had a provision for refund of premiums dents need is life insurance." The interest on that five year loan? the insurance company gets most of the during the first year. And, says CU, There is one exception, the group It's payable at an annual rate of. 6 to 8 cash value in payment of the policy the policies examined tended to be rela adds. A married student with young per cent or more. And, says CU, in holder's debt. tively expensive cash value policies with children should protect them with a po many plans the policyholder pays inter The promissory note itself has built lots of extra-priced features. licy. Otherwise, a college student needs est on the interest, too. into it an acceleration clause, a typical life insurance about as much as he needs As an example of what life-insurance feature of retail installment contracts. Companies doing a big business in a stuffed moose. loans can cost, the nonprofit consumer If the student fails to pay any premium college policies often set up special The life insurance industry, the group organization tells of a $10,000 policy on time, the lender can demand immedi agents in college towns. They like to re has found, is hot in pursuit of student sold by Fidelity Union Life of Dallas in ate payment of the entire loan. With cruit as salesmen popular campus fig money. A survey of more than 300 life 1970. The 21-year-old student purchas the promissory note, he can also readily ures such as fraternity leaders, recently insurance companies found that 20 per er paid an annual interest rate of 8.5 obtain a court judgment ordering pay graduated star athletes, former coaches cent have sales programs aimed at col per cent. The compounded finance ment. and even faculty members and adminis lege students and young professionals trators. charge on the first year premium loan of The CU report warns that as with who are not yet earning enough to pay $151 comes to $76.07. their premiums. most retail credit agreements, an insur June 28, 1972 Page 2 The UWM Post Seminar examines drug use in athleties By John BabUtch For example, Morgan said that feel better. of The Post staff in an experiment, it was proven that one liter of water increased Often this is the case with pla The first class meeting of the endurance of runners by 20 per cebos or "blank drugs" used "Drugs and Athletics" Seminar cent. much by coaches in the hope that held here Monday laid the ground just the pill's presence will im work for the course and also Even though performance in prove performance. looked at the use of hypnotism in creased, Morgan said most peo ^ sports. ple still would not consider this Though this is viewed as bene a drug. ficial to a pragmatist, this prac The seminar, which runs this tice should be discouraged, he week only, was set up through Looking at the capabilities of said. Michael Maksud of the Physical drugs, he said that some in Education Department here. creased endurance, some in Morgan also talked on "hypno THE CRAFT CENTER IS SPONSORING a class in nude figure draw creased strength, but few did sis and muscular performance," ing on Tuesdays and Thursdays at 6 p.m. in the Union (Post Photo The one credit pass/fail course both. In the case of pure water, which is his particular area of by Jim Brill) features a different speakeTeach he said it would not increase study.

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