Habitat for Humanity -- by Jane Elfring

Elizabeth City Habitat for Humanity is happy to announce selection of Flora Wilson and her family for a house they are currently rehabbing on Cardwell Street.

To be selected, Ms. Wilson submitted her application plus proof of employment and a recent credit report. She was interviewed by a mortgage banker who assessed her ability to pay the mortgage payments on the house.

She also had to agree to complete 500 hours of “sweat equity” on her home and the construction of other Habitat homes in the Elizabeth City area.

Since Habitat for Humanity homeowners must also have a specific need to qualify for the house, family selection members visited her current home and determined that her current utility bills are high and strain the family’s resources.

The house will require renovation and Ms. Wilson helped members of Towne South Church of Christ who recently spent the day cleaning and painting the house. Twenty-five members of the church cleaned the house and began preparing the walls for painting, power washed the outside of the house, and trimmed the bushes.

Coast Guard personnel also spent several hours at the house hanging doors and installing ceiling fans.

The City of Elizabeth City had a contractor visit to ensure that the house is energy efficient. After the painting is completed, new carpets and flooring will be installed.

“We hope to complete the work by the holidays,” said Board President Fran Sutton.

Habitat for Humanity builds and rehabs homes for qualified homebuyers who might not otherwise be able to obtain a mortgage. Homeowners must pay for an interest free mortgage plus taxes and insurance.

For further information:

Jane Elfring

jelfri@bellatlantic.net

252-384-0115

Happy New Year 01

Agricultural Happenings in Northeastern North Carolina -- by Shirley Brown, CEO

Northeastern North Carolina Coalition of Minority Farmers and Landowners.

I was born and raised in Pasquotank County. My parents were lifelong farmers. We lived on a large farm that was cultivated and managed by my father. I lead the life of a farm girl and it was one of healthfulness, profitability and happiness. My father accomplished very much with few assets available. He grew two and three crops during the course of a year on the acres he had. We had cows, chickens and every animal you can think of. Apple, pear and grape vines were always plentiful. We had a generous garden that always kept our kitchen table well supplied. I can’t remember a day I was hungry. That was a blessing. I have always been fascinated with growing of fresh vegetables.

Upon graduating from high school, my college education was in the Health Care field. One of the most important concepts in my health education was that healthy food was an integral part of good health. From Nursing, to nutrition, from nutrition to counseling, working with the military in Central America, as a Health Care Specialist and obtaining a degree as a Clinical Psychologist; each discipline has taught me that you are what you eat.

We know that “Agriculture” is the cultivation of land for profitable growth and rising of livestock. Our small farmers prepare their land by planting their crops, and harvesting them for production. The word “agriculture” was discovered in the 15^th century, however, the process of tending and cultivating land to grow food for survival has been in existence since the beginning of time.

The Northeastern North Carolina Coalition of Small Minority Farmers and Landowners was designed to provide an organizational system to assist a multicultural society of Landowners and farmers with business opportunities, education, marketing strategies, policy development and global marketing skills.

I will be working with many colleagues including Dr. Hortense Dodo; Scientist, Dr. Anthony Emekalam; pharmacist, Sheryl Bradford; Researcher, and Warren Green in growing and making “clean food” available for everyone. 

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New testing program for your business ads

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Learys Alignment Shop

'Tis the Season -- By: Stella Knight

It’s the day after Thanksgiving and many people are beginning their preparations for Christmas or another holiday celebration. Many people, myself included, will begin shopping for gifts for their loved ones.

Many of my past articles have stressed the importance of estate planning. Yes, estate planning - whether it’s just writing a will or incorporating additional legal documents such as a health care power of attorney or durable power of attorney - is a wonderful gift to your family and loved ones. So with that being said, I want to provide you with some additional ideas for holiday gifts.

Cash. Yes, cash is still king – one size fits all. Any individual (called a “donor”) may make annual gifts of up to $14,000 to any number of people (called “donees”) each year, free of any gift taxes (called “annual exclusion gifts”). If the individual is married, the married couple can combine their separate $14,000 annual exclusion gifts to make gifts of up to $28,000 by either using their separate funds to make the gifts or by using one spouse’s funds and consenting to treat the gifts as made one-half by each spouse.

Stock. Giving stock is a great way to get young people interested in investing. However, if the individual is under the age of 18, you will need a custodial account. As mentioned above, gifts of stock may also qualify as annual exclusion gifts. All the income and appreciation on the gifted property belong to the donee after the date of the gift.

Land. Keeping family land in the family is important. Many parents have decided to give a lot or piece of farmland to a child or grandchild. This gift may be an outright gift which allows the individual to borrow against the land and build a home or purchase a mobile home and place it on the lot. It’s important for the parent to remember: when you give the gift of land, you no longer have control over it. If the child’s lot is located next to yours and they miss a loan payment and the property is foreclosed upon, you may have new neighbors. Sometimes parents give land to a child and retain a life estate in the land. This is not a completed gift. The property will be included in the parents’ estate at his or her death and the child doesn’t have full ownership interest in the property until both parents die.

Forgiveness. In my law practice of estate administration (the legal process of settling an individual’s estate after he or she has died – either with or without a will), I have seen many hurt and dysfunctional people. Why? Because of unresolved conflicts and miscommunication. When you are not here, there will be no one to answer the unanswered questions or resolve the conflicts and miscommunication. Sometimes I have recommended that a client write a letter of explanation or forgiveness to include with their estate planning documents. If you are distributing your estate in an unusual or unequal manner among your children, why not leave a letter explaining this distribution scheme? If you are omitting a child altogether, leave an explanation so no one is left to wonder why you did it. This may save your executor/administrator much time and expense and even avoid costly litigation.

Time. Remember the gift of your time. It’s the most precious gift you could give.

Whatever the gift, giving during your lifetime will bring you joy and satisfaction. You can also see how the individual uses or manages the gift. Your attorney will assist you and advise you in drawing up the documents to carry out your desires. You can leave a positive legacy.

Tax consequences of gifts are beyond the scope of this article so be sure to consult your tax adviser.

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The Pines New Years Celebration

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Albemarle Tradewinds Flashback: You’ll Know It When You See It - Janet's Flea Market in South Mills

The chances of seeing it just went up dramatically.  Janet Ainge has collected time in a bottle (so to speak) in her business at 201 Main St. in South Mills, and the four buildings on the property.  As I rummaged through the thousands of collectibles, I was taken back to days of future passed.  Childhood memories rushed to me at the sight of the 5 cent Coke bottle.  The Topps baseball cards took me to my Little League days in the 1950’s.  I had forgotten all about the hurricane lamps on the living room mantle.  They lighted our house for days after Hazel struck the Virginia and North Carolina coast.  What most amazed me about Janet’s Crafts and Flowers Flea Market was the sheer volume of nostalgic items from porcelain dolls to antique jewelry.  Barbie, Disney, Cabbage Patch, Elvis, Harley Davidson , Michael Jordan, and John Deere were all there to greet me.  Mother played the piano; mostly on Saturday night when my cousins, aunts, and uncles would visit.  Janet has the old sheet music for the Wurlitzer mama played.  I chose to wander on my own at first. Both men’s and women’s clothes were hanging and piled on tables. Crocheted Afghans and quilts of many colors filled more tables.  The collection of different NFL jerseys, and biker shirts, and NASCAR  ball caps  caught my interest.  Then I saw the most beautiful figurines.  A Native American Chief , on the shelf, right beside a China Doll.  Time to call-over Janet…I had questions.  She explained that  so many  people have so many different travel experiences, and their family heritage is so varied that anyone is liable to find something they  feel is close to them.  So true.  Her collection of knives is varied and always functional.  I found one from my Cub Scout days.  For the music lover, there are CD’s galore, VHS and DVD movies along with Video and X-Box games to choose from.  I do not particularly think someone is eccentric because they collect unique stuff.  But I used to think I was a pack rat…never throw anything away, because when you do you need it about a week later.  Well, Janet is not the ultimate pack rat, she is just someone who realized that there is value in memories, and some old things still serve a purpose.  Janet  also creates silk flower arrangements for all occasions.  Share the time together with your family and visit this most remarkable collage and tapestry of antique and useable personal and household wares.  That cast iron skillet can sure cook a tasty fried chicken.  Phone 252/771-5214, (cell) 252/339-1545. Located at the foot of the bridge in South Mills. 

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Hoggard's light show Windsor, NC 2016

Just a small portion of the Hoggard's light show in Windsor, NC. There are just a few days left so check it out!

When Opportunity Knocks, Open the Door -- by Chuck O'Keefe

If you’ve been around long-time investors, you’ll probably hear them say, ruefully, “If only I had gotten in on the ground floor of such-and-such computer or social media company, I’d be rich today.” That may be true — but is it really relevant to anyone? Do you have to be an early investor of a spectacular company to achieve investment success? 

Not really. Those early investors of the “next big thing” couldn’t have fully anticipated the tremendous results enjoyed by those companies. But these investors all had one thing in common: They were ready, willing and able to look for good opportunities.  
 And that’s what you need to do, too. Of course, you may never snag the next big thing, but that’s not the point. If you’re going to be a successful investor, you need to be diligent in your search for new opportunities. And these opportunities don’t need to be brand-new to the financial markets — they can just be new to you. 

For example, when you look at your investment portfolio, do you see the same types of investments? If you own mostly aggressive growth stocks, you have the possibility of gains — but, at the same time, you do risk taking losses, from which it may take years to recover. On the other hand, if you’re “overloaded” with certificates of deposit (CDs) and Treasury bills, you may enjoy protection of principal but at the cost of growth potential, because these investments rarely offer much in the way of returns. In fact, they may not even keep up with inflation. To avoid these problems, look for opportunities to broaden your holdings.

Here’s another way to take advantage of opportunities: Don’t take a “time out” from investing. When markets are down, people’s fears drive them to sell investments whose prices have declined — thereby immediately turning “paper” losses into real ones — rather than holding on to quality investment vehicles and waiting for the market to recover. But successful investors are often rewarded when they not only hold on to investments during declines but also increase their holdings by purchasing investments whose prices have fallen — or adding new shares to existing investments — thereby following the first rule of investing: Buy low. When the market rises again, these investors should see the value of their new investments, or the shares of their existing ones, increase in value. (Keep in mind, though, that, when investing in stocks, there are no guarantees; some stocks do lose value and may never recover.) 

Instead of looking for that one great “hit” in the form of an early investment in a skyrocketing stock, you’re better off by seeking good opportunities in the form of new investments that can broaden your existing portfolio or by adding additional shares, at good prices, to your existing investments. These moves are less glitzy and glamorous than getting in on the ground floor of the next big thing – but, in the long run, they may make you look pretty smart indeed.

Edward Jones

Gun Tips -- by: Lloyd "Duke" Hodges

I hope all had a great Thanksgiving and gave some thought to
its beginning some three hundred years ago. People new in
a new land and history accounts they had tough times then.
Fast forward to now and we surely face tough times. It is what
it is. Innovate, adapt and overcome best you can. Christmas is
almost here. Now, we do have those who will prey on us while
shopping for family and friends. What might we do? Mix joy
and caution so that no family will experience pain and sorrow.
I will also thank those of you who read this publication and my
humble contribution. Are you contemplating a fi rearm purchase
as well as some warm gloves? There is simplicity between gloves
and a handgun-they have to fi t the hand or will not likely be used.
Same thing applies to carry-if it is too heavy, large and uncomfort-
able it will likely be a stay at home item. Carry what will protect you
and take it with you when you leave your dwelling. Need a
concealed carry permit? Your county sheriff’s offi ce is where to
start the paper work and then fi nd an instructor who will give good training,
answer questions, put your learning experience above all else. Oh, yes, with
the holidays there will be some toasts with spirits. Take note and save the
grief. No drinking when handling fi rearms, it’s smart and it is the law. Evil do-
ers are out Christmas shopping so I strongly suggest securing your perimeter
and locking up your shooting irons. I sincerely hope that the new year will be
calmer and that those who serve and protect will not experience the loss they
have in the recent past and the pain and suffering of broken families.

Peas for pennies. Greens for dollars. Cornbread for gold. -- by Albemarle Tradewinds Staff

An old southern tradition is to eat Black-eyed peas to bring good luck and prosperity for the coming year.  Black-Eyed Peas are cooked with pork for flavoring (bacon, hog jowls, ham bones, or fatback), and with diced onions.  The traditional meal features collards, turnip, or mustard greens flavored with salt pork.

The peas symbolize  prosperity; the greens symbolize money. The Cornbread symbolizes Gold.

During the civil war, Yankee soldiers took the best and left behind black-eyed peas, feed corn, and fatty pork (fatback). Foods considered unworthy for  human consumption, the Yankees considered them “livestock food”. Areas targeted by General Sherman, stripped the countryside of all food, livestock, and crops then destroyed what they couldn't carry.
Those left to deal with the destruction considered themselves lucky to have peas as nourishment.

Another popular dish for the New year is Hoppin’ John (or Carolina peas and rice), a mixture of black-eyed peas, rice, and bacon or ham hock.

As another old saying goes, “Eat poor on New Year’s, and eat fat for the rest of the year.”

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Looking for a home? Give Lynn Bulman at Howard Hanna a call 252-338-7653

Don't forget to Mention you saw this on the Albemarle Tradewinds when calling.

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Fort Branch Re-Enactment

Fort Branch Swords

Tradewinds animation

Persimmon -- By Coy Domecq

There is an unassuming tree in our midst that bears what is considered a heaven-inspired treat. The foliage is plain and the bark is somewhat unremarkable. But the fruit, oh the fruit, well visually it is undistinguished too. However the taste of the fruit is well worth investigating but only after a cooling of the season.

The Persimmon tree (Diospyrus virginiana) is native to much of the eastern and southern United States. It once was enjoyed as a prominent food species by Native Americans and early settlers. The American persimmon fruit, not to be confused with the larger Asian varieties, is bitter and astringent until a hard frost has a chance to inactivate the tannins in the fruit to release its sweetness. Captain John Smith around 1607 was quoted as saying about the persimmon, “… if it is not ripe, it will drive a man’s mouth awrie with much torment, but when it is ripe, it is as delicious as the Apricock”.

The persimmon is high in fructose but for a 3.5 ounce serving it has only 70 calories. The fruit is high in fiber, low in cholesterol, and is loaded with Vitamins A, B-complex and C. Nutritional research reveals that persimmons are also high in antioxidants beta-carotene and lycopene.

Native Americans used the fruit fresh during the season and dried to help augment their winter diet. The English name persimmon is thought to have come from the corruption of the Algonquin words for dried fruit….putchamin, pasiminan, and pessamin. The early settlers learned to use the fruit in its natural state and to incorporate the persimmon in puddings, muffins, puddings and preserves. The persimmon was also used to make a fermented beverage approximating beer.

If you can source a good persimmon supply during this holiday season, I heartily recommend you give them a try. As an additional recommendation, I would be remiss if I didn’t mention that the Latin genus name Diospyrus translates into English as - Food of the Gods.

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Xmas Eve Greeting

Buddy Gregory Body Shop

Community Theatre-Come and Join the Fun! -- by Mary Cherry

A lot of people think they can’t do community theatre for a variety of reasons-they’re too shy, or they can’t act or sing. Trust me-if you try it once, you’ll be bitten by the theatre bug and be hooked for life.

Community theatre needs people with many different talents. Of course, we have people normally associated with theatre-artists, singers, dancers, costumers and actors. But we need many other people to have successful productions. We need people who are good at organization, shopping (who’s not good at shopping?), accounting, set design and construction, make-up and hair, and painting, to name a few.

We can use the talents of the whole family because there is something for everyone. After all your hard work, everyone gets to come and watch the production they helped create. How cool is that? Along the way, everyone has made friends and contributed to the community’s quality of life.

We often hear how people today are becoming more isolated as they spend more time on their phones and computers. We are all guilty of spending too much time with our heads down instead of getting out in our community. As someone who has been involved in community theatre all my life, I have seen the transformation that comes over someone as they realize they love doing this.

Encore Theatre Company is open to anyone with a desire to participate. All you have to do is come to a meeting and volunteer to help. We will find your hidden talents. The amount of time you give is up to you. Any amount of time is appreciated. We meet the first Tuesday of every month at 6 pm at 1176 HWY 17 South (the former Wonder Bread building). For information, call me at 264-5060. I’ll be happy to answer any questions you might have.

Mary Cherry

President

Encore Theatre Company

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Biggs Cadillac

Fort Branch Re-Enactment

Dog Gone Chic Pet Grooming

Dear Dr Crime

 

Dr. Crime is a pseudonym for a social scientist holding a Ph.D. degree in sociology and in criminology. He has worked in all major parts of the criminal justice system. Drop him a note at the website www.keepkidshome.net if you or your child is in trouble, he may be able to help, give him a call (252-339-0000).

Dear Dr. Crime: My husband and I argue a lot about taking our children to church. I think it can help keep them out of trouble, and he says it won’t matter. Can you give us objective advice about this? Sara

Dear Sara. Sadly, religion seems to be having less of a role in our lives than in the past. The 10/19/16 Virginian Pilot reported that for the first time in US history, the largest category of religious affiliation is “none”. What impact will that have on the behavior of our youth? Our social science research is clear that the conditions and events of early life are powerful determinants of later behavior. A recent studyⁱ of the force of family and of religion on later life tells us you and your husband should work together, in a religious family setting, to put your kids on the right track. The very powerful research in the American Sociological Review showed that kids raised in a religious home with BOTH parents had the best chance of doing well in life. The science says that family and religion interact to predict delinquency outcomes. Religion enhances parental affection in deterring delinquent behavior and mitigates the increased risk of high levels of delinquent behavior among youths in single-parent families. The research is clear, your position in the argument with your husband is correct.

I encourage you to discuss these issues with your friends, for the research showing the weakening of religion in American families is clear. And it is not simply a brief and inconsequential shift, it is big.

Dear Dr. Crime: It works to convict criminals doesn’t it? We can ignore crime but should jump on every offender and put them away, right? Hard Nose Harry

Dear Harry: Your question is perhaps the most important one facing us. A recent studyⁱⁱ of all 25,431 U.S. citizen federal offenders released in 2005 and followed for 8 years found that about half of them were rearrested. The most common re-arrest was for assault. And we know their criminal history predicted recidivism well. My belief is that we need to get beyond politics and do every more research on preventing crime before it happens.

Dear Dr. Crime: Will it help to take my kid out of public school and put him in a “charter” school? Worried Dad

Dear Dad: I do not know of research about the impact of charter schools on delinquency, but I will look. We do have research on other effectsⁱⁱⁱ, but more such research is needed and the effects are not totally clear. The research shows that students who attended charter high schools were more likely to receive a high school diploma. Also the charter school kids were more likely to enroll in college, and persist in college. The annual earnings in later life were higher for students who attended charter high schools. Let us look closer at what is going on with this important matter.

i Family and Religious Characteristics' Influence on Delinquency Trajectories from Adolescence to Young Adulthood Author(s): Richard J. Petts Source: American Sociological Review, Vol. 74, No. 3 (Jun., 2009), pp. 465-483

ii March 2016 Sentencing Partners Newsletter. Joaquin Duncan L.L.C Southridge Ct. Suite 105, Hurst, Texas 76053; .

iii Sass, T. R., Zimmer, R. W., Gill, B. P., & Booker, T. K. (2016). Charter schools’ effects on long-term attainment and earnings. Journal of Policy Analysis and Management, 35(3), 683–706. doi:10.1002/pam.21913

It’s time to rise up and fight this catfish with forks and knives -- By Jim Trotman

 Reprint from the Outer Banks Voice

 

It’s time to rise up and fight this catfish with forks and knives

By Jim Trotman on December 1, 2016

Thomas Hennessey presented his research on the invasion of the blue catfish into North Carolina waters from Virginia.

Story and Photos by Jim Trotman

The Invaders were at the gates. So we caught them and ate them. And they were delicious.
It seems like a regular thing that we seafood consumers are being told to avoid a certain species because it’s becoming endangered. If we are good-hearted people, we obey. Which is why we’ve been sorely missing Chilean sea bass.
So it came as a bit of a surprise to be told that if we want to do right by our local ecosystem, we really need to get out there and eat a particular species, blue catfish in this instance, and do so in a hurry.
We recently joined about 30 other interested folks for the “Fish & Flights: Fighting Invasive Blue Catfish with Forks and Knives,” an educational outreach dinner held at Basnight’s Lone Cedar Café. The North Carolina Coastal Federation held the dinner was to raise awareness of the drastic impact this invasive species is having in North Carolina Coastal waters.
The blue catfish is highly adaptable, eats darn near anything and grows to astounding proportions. It is native to the Mississippi Delta and has been introduced to other waterways as a means to help  struggling fisheries.

Abundance of adult catfish species — the native white and channel catfishes plus the non-native blue catfish — in the Albemarle Sound sampled by gill-net gear and indirectly measured by Catch Per Unit Effort. Source Data: N.C. Division of Marine Fisheries Program 135. (Courtesy of North Carolina Sea Grant, Thomas Hennessey)

Virginia and South Carolina were participants in such a scheme, but fish are lousy at observing state lines and they migrated southward, enjoying and now threatening the abundant and varied sea life here in North Carolina.
The main problem is, they are so good at what they do, eating and breeding and growing, they have few natural predators. In fact, I have met Blue Cat predators and they are us. And so, the promotion of humans to consume blue catfish with gusto and expand the commercial markets for them seems to be a wise tactic.
We were brought this information between courses of small plates by Thomas Hennessey, an undergraduate intern at UNC-Chapel Hill who gave an overview of his research with a PowerPoint presentation. Hennessey and Sara E. Mirabilio, fisheries specialist with the North Carolina Sea Grant Extension Program answered a bevy of questions at the conclusion of the meal.

Pan blackened blue catfish.

The courses were touted as tapas, yet the servings were ample enough that all three added up to a quite satisfying meal. Using virtually all locally sourced ingredients, Chef Bud Gruninger proved there was more than one way to cook a Cat. For those who chose to imbibe, a flight of beers was paired to the dishes.
A few months ago we took part in the cape shark (spiny dogfish) tasting series project carried out by Sea Grant and the North Carolina Coastal Studies Institute, the goal being to gather data that would help broaden a local market for this now sustainable fish.

Pecan Crusted Blue Catfish.

Having grown up on catfish, this latest tasting was less of challenge. We were eager to do our part. And who can say no to catfish and beer?
Not long after seating, the first of the beers appeared. This Foothills “Torch” Pilsner was crisp and refreshing. Then the first plate arrived, Pan Blackened Blue Catfish, flash fried at high temperature, much in the style of Chef Paul Prudhomme, who perfected and popularized the technique at K Paul’s in New Orleans.
Sides of collards and a sweet potato puree helped tame the heat.
For the second course, Duck Rabbit Amber Ale was matched with Oma Pearl’s Fried Blue Catfish with pecans in the coating.

Beer Battered Blue Catfish Taco.

Sweet potato fries and Cole slaw joined the plate and a bit of marmalade was included for dipping.
Another Foothills beer, this one the “Hoppyum” IPA preceded the entrance of the final course,
Beer Battered Fried Catfish Taco. This was dressed with Pico De Gallo, a zippy Chipotle slaw and a Lime Sour Cream Drizzle adding a tart counter note to the savory catfish filet.
If we were alone, we would have attempted to eat this in the traditional style, but it’s girth had us resorting to knife and fork.
With each plate, the fish was the star, the flesh tender and flaky and able to stand up to the various treatments.
This is a fish that is plentiful, good tasting and good for you.
So troops, here are your orders. Get out there and eat some blue cats. It is your duty. And they are tasty.



http://outerbanksvoice.com/2016/12/01/its-time-to-rise-up-and-fight-this-catfish-with-forks-and-knives/

Downtown Cafe and Soda Shoppe in Edenton

JIM KAIGHN INSURANCE AGENCY- HOME OF THE “INSURANCE DOCTOR” -- by Jim Kaighn

Last month I closed the article talking about TERM INS. It has been probably the most popular plan for insurance over the past 25 years.. It is so easy to sell, even online sites have come up making it sooo easy to get hooked on.. After all, who needs an agent to bug you or to tell you what you need.. Heck, I do not need anyone to give me advice, I graduated high school by the skin of my teeth, or I attended college for awhile, so I have all the smartz to figure this out meself..I just go online, fill out three questions, and presto, I have insurance at a cheap rate.. I AM SOOO SMART!!! What do you mean I need to have a physi- cal exam, no one told me that..What do you mean my rate is three times what I signed up for ..@%&(@$XX stupid company!!!

Having one of those STUPID agents to help you at the beginning might seem like a good idea now,
doesn’t it!!! But was it back 25 to 30 years ago!!
Back then, when TERM INS. was in its infancy, when RONALD REAGAN was president, no one really knew the future of this new idea. SOOO, in came these agents who told people this plan was the wave of the future, cancel your old permanent insurance with cash value, heck I can get you four times the insurance for the same price.. It did not take much convincing folks to jump on this new bandwagon.. People got GUARANTEED rates for 10, 20 even 30 years with no change in premium, and this policy was guaran-teed to you were in your 90’s.. But back then, just like NOW, agents did not tell people that at the end of this FAIRY TALE, that when the time frame ran out, sure your insurance would keep on going, but the price of the insurance would increase about 25 to 50 times the
original premium and every year after keep going up and up, like your landlord raising your rent after the lease ran out.!!!

AND NOW FOLKS, ‘ THE INSURANCE CHICKEN IS COMING HOME TO ROOST”....... People are now finding out that not having an AGENT TO GUIDE THEM, or an agent just out for a quick sale , people do not know their policies are coming to an end with the original premium for the last 20 years, and now beginning the first month of the 21st year, their bank statement, instead of showing the normal $100.00 premium, now shows a $450.00 per month premium..
KAAGHING, GLOOM ,DISPAIR AND AGONY ON THEM!! TAKE OUT YOUR POLICY, LOOK INTO THE PAGE ON PREMIUMS.. LOOOK AT IT, DON’T UNDERSTAND WHAT YOU ARE LOOKING AT???
CALL “THE INSURANCE DOCTOR”, I can help you and and give you a shoulder to cry on!! WHY ME?? I have been in this business for 47 years, longer than anyone else around these parts.. I have degress in my business and I have NEVER been one of those agents discussed earlier.

Give JIM KAIGHN a call at 335
5983 or 202 5983 or 261 1122, or out of the area add
252..Next month being January
I will have some NEW YEAR.S RESOLUTIONS for
you to consider for your Insurance Planning.. HAPPY
TRAILS TO YOU

Merry Christmas from Page after Page Bookstore