Thursday. April 14. 1983
by Sarali Harrell TVrtlfr
k The rain seems never en
'■ ding. Even so—it does not
take away the beauty of the
x season.
it: The trees beyond the rise
•<: are green and feathery and
•! dogwood is pecking through.
Pink and white azaleas
march across the back fence
1 and beneath the pine boughs.
• The apple blossoms are
\ heavy with recent rain and
• the wind in the pines herald a
? new onslought of storms.
: Gray skies everywhere—cold
v and wet.
I took a nap and while I
slept—The storm clouds roll
ed away. The sun is in the
meadow and Spring is in full
sway.
The blossoms on the
dogwood at the end of the
'I 1 — V
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The abused child
wiHgrowup
r someday.
Maybe.
ivdkt 6b3ii c EMhqrfcunk»i3fajneqaiMHln I The Jfattohif Committee for
• flr —^—r it n -“rn gs lilis» ftb—i i« ■
child abuse. Over 2,000 childreij private, chfitable organization,
die from it. that knows how to prevent child
But what about those who abuse,
survive? But we need your help to do it.
Statistics show that an abused We need money. We need
childhood can affect a person’s volunteers,
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Many teenage drug addicts and write for our booklet,
teenage prostitutes report being Because if we don’t all start
abused children. somewhere, we won’t get
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Help us get to
the heart of the problem.
Write: Prevent Child Abuse, Box 2866, Chicago, Illinois 60690
A Public Service ol This Newspaper & The Advertising Council. Sscl
¥ JMt ‘l
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Still Meadow
porch are as white and soft as
I have ever seen. A cardinal
just perched on the limb
making a perfect picture.
A Blue bird just came from
the nest and settled on the ap
ple blossoms. There is no way
to compare the two. You
would Have to see for
yourself. As I have said
before: What I see belongs to
me—And they are my birds in
those trees.
The apple trees seem to
blossonp one after the other
very considerate of nature—
So that the birds and I will en
joy them that much longer.
Also according to Frankie
there will be loads of
apples—Oh well—“ You all”
Come.
The grass in the meadow is
just like a lush green carpet.
All mowed by Lee on his big
John Deere.
Paul and I were talking
grass. How we used to fight it
in the rows of corn, chop it
from the peanuts and burn it
in the hedgerows. Now we
marvel at the lawns we
grow—grass for all its
beauty:
Hie sun porch looks like a
hot house—l have been collec
ting bedding plants against
the time when things dry out.
Paul wanted another peach
tree—there was a hole where
he had pulled out an old root
(some of it)—and I finished
clearing it out. I found the tree
I wanted at Leary’s Plant
Farm and began making the
hole wide enough for the roots
to spread out. I made it wide
enough allright—but it filled
up with water and ran over—
so the tree waits—as we all do
for fair weather and warm
days and the voice of the tur
tle to be heard in the land.
Birthday Celebrated
The Cape Colony
Homemakers Extension Club
will celebrate their Tenth Bir
thday in April. We have a
membership of Fifteen
Ladies with Six Charter
Members remaining.
In January, new officers
were installed by Theresa
Ford, a Chowan County
Agent. In Febrary, we col
lected for the Heart Fund and
did very well. We stay busy
with Crafts, attending
meetings, and for ways and
means, we had a very suc
cessful Tupperware Party.
On March 22nd, the members
met on the lawn of our Club
House and several of the
husbands planted a Dogwood
Tree in honor of Arbor Day.
Mr. Elton Chamblee and Mr.
Howard Thebeau planted the
tree. Last year we planted
Thirty Azaleas under the tall
Pines, so you can imagine
how beautifully this blends in
with the Rustic Club House. It
makes a lovely picture.
Mrs. Mary Thebeau, Chair
man of Housing and Energy,
read a Poem by George P.
Morris, “WOODMAN SPARE
THIS TREE”. Mrs. Elva
Stroud, President of our Club
said a beautiful Prayer. We
are very proud of our com
munity and the interest the
ladies show in it.
We have an ‘’adopted”
Lady in a Nursing Home that
we visit every month. We are
planning to take an Easter
Lilly to her.
We meet on the third Thurs
day of each month in the Cape
Colony Lodge at 2:00 P.M. All
Ladies who are interested, we
welcome you to our Club.
No- Till Meeting
A turn-out of approximate
ly 80 fanners attended the
Perquimans-Chowan No-till
meeting held at the Center
Hill Community Building on
March Ist. The supper
meeting was sponsored by
n.ip/Mil IT'---
ChimicaJ Companies aqd tjheg
Albemarle District.
DR. JOHN ANDERSON,
Extension Corn Specialist,
gave an update on no-till
equipment. He briefed the
group on some of the newer
ideas related to planters, as
well as fertilizer and spraying
equipment.
WAYNE NIXON, N.C.
State graduate student and a
Perquimans native,
presented his findings on
some of the pros and cons of
straw management when no
till planting soybeans in small
grain stubble. Chemical
breakdown, nutrient and fer
tility levels under certain con
ditions, are tied to straw
management according to
NIXON.
Tps On Devising A Balanced Financial Plan For Professional Women
HARTFORD, CONN.-If
you’re a working woman with
a responsible
mising future,
you’ll continue to do wqQ pro
fessionally. But financially,
like most people, you could
probably use some profes
sional advice to make the
money you earn work hard
for you.
“Naturally, women aren’t
any different from men on
this,” says Barbara Dunn,
manager of women and
minorities development at
Aetna Life & Casualty. “Most
people don’t give the amount
of thought they should to their
financial future - beyond get
ting that raise in salary next
year.”
Dunn advises women who
are professionally establish
ed, or on their way there, to
devise a balanced financial
plan. A well thought out plan
would contain a combination
of short and long term in
vestments, life insurance and
a retirement plan.
“Financial planning is cur
rently a hot topic,” Dunn
says. “There are a number of
places to go for expert help,
including your insurance
agent.”
Insurance agents provide a
range of financial advice,
which doesn’t stop with in
surance. They can advise you
on individual retirement ac
counts (IRAs), money market
funds, taxable and tax
exempt money funds and
bond and security funds -
essential tools in planning for
a financially safe future. An
agent is an especially good
source of information on life
insurance and annuities - the
starting point of any solid
plan.
An annuity is a plan that
provides an income for life, or
a time period specified in a
contract. Annuities provide a
secure way to save money for
retirement and defer taxes on
the interest earned until then
- when most people are in
lower tax bracket.
Companies offer two types
of annuities - fixed and
variable annuities. According
to Dunn, “A woman who will
depend mainly on annuity
payments vthen she retires :
.. would a fixed
1 annuity - where she would be
guaranteed a fixed monthly
payment in her retirement
years.
“But variable annuities of
fer certain avantages for
many retired people, since
their return is tied to chang
ing interest rates. If you ex
pect higher interest rates in
the future, you might consider
a variable annuity which
would benefit from rising in
terest rates.”
Dunn advises women to
study annuities with the ad
vice of an established profes
sional such as insurance
agent. Buyers should consider
several factors in selecting
the right plan:
* Look to the safety of your
principal and assurances that
the contract wil be fulfilled.
* Select your annuity from
a reliable company with a
stable finacial base and a
strong investment record.
* Look for an annuity which
offers minimum deductions
and expense charges on
money paid in ana-assets ac
cumulated. Buyers should
compare initial and continu
ing sales charges, ad
ministrative and investment
charges.
* Consider the guarantees
offered with an annuity, its
flexibility and how it can be
surrendered or transferred.
According to Dunn, a solid
life insurance portfolio is
essential in a complete finan
cial plan, “life insurance pro
vides protection. Protection
for your family’s financial
health in case you’re not there
someday.
“But besides providing pro
tection, life insurance can be
used for other financial pur
poses such as accumulating
savings and loan collateral,
and securing retirement in
come. Life insurance can also
provide some tax advantages
that are not found with other
financial products.
“A businesswoman who has
a family has to worry about
providing for them in the
event that something happens
to her,” says Dunn. “Today,
with working women pro
viding over 40 per cent of
family income, it would be
difficult - if not impossible -
for a husband to support his
family at the same level
without a second salary.”
In this case, life insurance
jjs needed to pay estate settle
, ment expenses or liabilities,
and establish a continuing in
come to insure that any
children could be provided for
on a spouse’s single income.
For families where the
woman is the sole provider,
the loss would be even more
dramatic.
There are two basic types of
life insurance available to
consumers today - term life
insurance and whole life
insurance.
Term policies provide death
protection for a specific
period of time - on term. The
policies don’t accumulate
cash value and don’t earn in
terest. Premiums pay for
“pure” death prtotection, and
the resulting low initial cost is
attractive - especially to
young professionals just star
ting out.
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Whole life plans provide
permanent protection, and
are bought to meet ongoing
needs and provide security
over your entire life. Besides
paying a death settlement,
these policies build cash value
which earns interest. There
are several types of whole life
products on the market, in
cluding an Aetna product with
premiums as low as term in
surance in early years. The
premiums increase as you get
older and income rises.
Universal life is a form of
whole life that pays a current,
changing interest rate on cash
value. It has an extra degree
of flexibility since you can ad
just the face value of the
policy as your needs change.
Obviously, cost is important
when choosing life insurance
policies. In many states,
agents are required to give
cost comparison information
when discussing a policy with
Page 3-B
a prospective customer. Aet
na provides cost inforawrtion
voluntarily to insurance
shoppers. >, . s
“Hie best way to begin
looking for insurance an
nuities is to find a good
agent,” says Dunn. “Oje who
represents a financially sound
company which is licensed in
your state. If you have any
reservations about thh com
pany or agent, don’t buy until
you talk with your state
department of insurance.”
Aetna has published a
booklet, “On The Way Up,”
designed especially to ad
dress the financial planning
needs of women. For a free
copy, contact your local Aet
na agent, or write Dolores
Harper, Media Resources,
DAO6, Aetna Life & Casualty,
151 Farmington Avenue,
Hartford, CT 06156
Ducks lay eggs only in the
morning.