STA/f PHOTO !Y LYNN OJtLSON
Recent Retiree
Lumina S. Soles (right) receives a plaque and good wishes from
Ted Rivenbark, Brunswick County Farmers Home Administration
supervisor, as Soles retired last week with more than 31 years' ser
vice to the agency. A county program technician. Soles worked for
a year in Columbus County before joining the Brunswick office 30
years ago. Her plaque was presented on behalf of James C.
Kearney, state Farmers Home director.
KIPH
Name That Tune
BY DEBBIE RUPP
Vice-President For Organizational Development
South Brunswick Islands Chamber Of Commerce
Did you ever get a song stuck in your head? You're not sure of the
name, but something about the song just sticks with you and you keep
singing it over and over again0 Well, I keep singing
the same tunc lately and it goes like this: If you
can't Find something about the South Brunswick Is
lands Chamber of Commerce that interests you,
you're just not looking hard enough. Yes, that same
old tunc Let me hum a few bars ...
First Verse: If our children and their education
is your hot button, you can get involved and help
the SBI Chamber Education Committee in the
Shadow Day Project
the committee is looking for business ? ?:;crr.
and managers who will host a student from Wac
camaw Elementary, Shaliottc Middle and/or West Brunswick High for
at least one dav al their place of business. The student will "shadow"
you and/or your employees to observe and assist, as you perform your
daily responsibilities
Ijke Career Day. which is also sponsored by the SBI Chamber, this
experience gives our local students the opportunity to see first hand
what business is all about and what qualifications will be needed when
they are ready to seek employment.
Second Verse. Politics is always exciting, especially this time of
year, and on Nov 17. the South Brunswick Islands Chamber of Com
merce. along with the chambers from Southport/Oak Island and North
Brunswick, will hold the Annual Legislative Forum The event gives
our chamber members the opportunity to speak facc-to-face with their
elected state representatives and senators. This year we will be joined
by N.C Reps David Redwine, Dewey Hill and Thomas Wright, and
N.C. Sen R C. Soles. The discussion topics will focus on legislation af
fecting Brunswick County. I cxpect there are more than a few of our
members who have an opinion about what goes on in Raleigh and might
want to attend this forum.
Third Verse It is hard to find someone who doesn't enjoy the holi
days. and they can be an especially exciting time for local retailers
when the shopping frenzy reaches its peak. Hometown Holidays is a
special promotion sponsored by the SBI Chamber of Commerce that in
cludes print advertising, a storefront decorating contest and drawings
for prizes to local shoppers Our goal is to help our member businesses
prosper during the holiday season by adding special incentives to attract
local shoppers and encourage them to spend their holiday dollars with
local South Brunswick Island Chamber members Whether you're a
vendor, a shopper or bith. Hometown Holidays has something to bene
fit you.
Chorus: The mission of your Chamber of Commerce is to promote
and implement a more profitable community in terms of social, civic
and economic progress. We cannot accomplish that mission without the
personal involvement and financial support of the individuals and busi
nesses who live and work in the South Brunswick Islands.
It is a catchy tune and it's easy to see why I can't get it out of my
head. Oh. I think the name is "I Can Make a Difference in the South
Brunswick Islands." If you want to join in, just give us a call at the
chamber; we can always use your voice.
You can reach the South Brunswick Islands Chamber of Commerce
by calling 754-6644/WXM26-6644 or writing to PO. Box 1380, Shal
iottc NC 28459.
Brunswick Jobless 9.4 Percent For Sept.
Brunswick was among five of
North Carolina's 100 counties with a
September employment rate of 9
percent or higher, according to a re
port from the N.C. Employment
Security Commission.
Brunswick's rate was listed at 9.4
percent for September. The county's
revised rate for August was 10.8
percent, based on 25,490 people em
ployed and 3,080 looking for work
in a labor force of 28,570.
Anson County led North Caro
lina's counties in unemployment
with a rate of 10.8 percent. Others
with rates of 9 percent or higher
were Granville, 9.6 percent; North
ampton, 9.0 percent; and Richmond,
9.1 percent.
"Die state's lowest unemployment
rate was Currituck County with 1.8
percent.
The state's seasonally adjusted
employment rate tor September in
North Carolina, released Oct. 7, was
5.1 percent, a .1 percent decrease
from the August rate of 5.2 percent.
According to the ESC report, the
commission's analysts regard 5 per
cent "as a near full-employment sit
uation."
September jobless rates in other
coastal counties included Pender,
6.8 percent; Onslow, 4.9; Carteret,
4.4; Dare, 3.5.
Friday Nights ? Doors Open 6:15 pm
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Hwy. 130 East, Holden Beach Road ? Shallotte
Open to the Public
Games begin at 7:30 pm
Minimum "Buy In" $5.00
Snacks Available
OIM4 THE BRUN9MCK BEACON
Veterans Benefits Can Help
Alleviate Financial Burdens
The United States Government
recognizes that its veterans deserve
special benefits. That's why 50 years
ago it established legislation, known
as the Gl Bill, to make education,
training and home ownership more
accessible and affordable to veter
ans. In recognition of Veterans Day,
the North Carolina. Association of
Certified Public Accountants offers
a summary of the types of assistance
currently uilciCu by the Depart*?*"'
of Veterans Affairs (VA).
Educational Benefits
Since the GI Bill was first intro
duced, several different educational
programs for veterans have been es
tablished. The Post-Vietnam Veter
ans' Educational Assistance Pro
gram (VEAP) is a voluntary contrib
utory matching program for persons
entering military service after De
cember 31, 1976.
To receive benefits under this pro
gram, you must have enrolled in and
contributed to VEAP while on active
duty before April 1, 1987. Your total
benefit generally is equal to your
contribution plus matching fiinds
equal to two times your contribu
tions. Benefits end 10 years from the
date of your last honorable discharge
or release from active duty.
You can receive benefits for a
wide variety of training, including
courses leading to a college degree,
certificate or diploma from a busi
ness, technical or vocational school,
as well as apprenticeship or job
training programs.
Similar benefits are available to
individuals who entered active mili
tary service or the Selected Reserve
after June 30, 1985, and meet specif
ic service requirements.
Under the Active Duty Educat
ional Assistance Program, entitle
ment to educational benefits is based
on three years of continuous active
duty, although individuals with at
least two years of continuous active
duty may qualify for benefits in
some circumstances. In addition, to
qualify for the program, you must al
low the government to keep $100 of
your monthly pay for the fust 12
months of service. Remember,
though, this money will not be re
turned to you even if you don't take
advantage of the educational benefits.
Generally, if you serve in the
Selected Reserve for six years, you
also qualify for educational benefits.
The Selected Reserve includes the
Army, Navy, Air Force, Marine
Corps, Coast Guard Reserves, the
Army National Guard and the Air
Guard. You may be eligible to re
ceive up to a maximum of 36
months of education benefits under
one program, or 48 months of bene
fits under more than one VA pro
gram.
Educational and vocational coun
seling is also available to assist you
in planning your program of educa
tion. If you decide that educational
training is not necessary, your local
Department of Veterans Affairs can
provide you with employment assis
tance.
VA Home Loans
A VA home loan program helps
veterans finance the purchase of
homes at a rate of interest that is
usually lower than the rate charged
on other types of mortgage loans.
What's more, no down payment is
needed, unless the lender requires it
or the purchase price of the property
is more than the reasonable value
determined by the VA.
Except in special circumstances,
the VA does not make direct loans to
veterans. Instead, the VA guarantees
loans that are made to you by pri
vate lenders, such as banks, savings
and loan associations or mortgage
companies. The guarantee means the
lender is protected against loss in the
event you cannot repay the loan.
VA loan guarantees range from 25
percent to 50 percent of a home
loan, depending on the size of the
management Courses
Begin At BCC Leland Site
Short courses in finance and lead
ership skills for managers begin next
week at Brunswick Community Col
lege, part of a series offered in con
junction with the American Man
agement Association.
The courses are designed to help
working professionals become more
effective in their current positions
and to prepare for future advance
ment.
Classes for both courses will meet
al BCC's Lciand campus in the
Industrial Education Center, from
6:30 p.m. to 9:30 p.m.
"Fundamentals of Finance and
Accounting for Nonfinancial Mana
gers" begins Tuesday. Nov. 15, and
continues on Tuesdays through Dec
13. "Leadership Skills for Mana
gers" will meet on Thursdays Nov.
17 through Dec. 15.
Registration for each course is
$35 and books for each course cost
approximately $58. BCC will award
2.1 continuing education units for
completion of each course. The
courses also earn credit for the cer
tificate in management offered by
the American Management Asso
ciation. awarded on completion of
six courses.
In the finance course participants
will cover interpreting financial
statements, calculating inventory
costs and costs of goods sold, deter
mining company profitability using
ration analysis techniques and de
tailing cash flow.
In the leadership course partici
pants will examine what motivates
people, how to plan, manage and
communicate effectively, and how
to develop a consistent personal lea
dership style suitable to both work
and persona! life environments.
For more information on the
courses or on the AMA's certificate
in management program, contact the
BCC Continuing Education Depart
ment.
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A Special Seminar
for Retirees
and those planning
for retirement
?How will your social security and retire
ment benefits be taxed in 1994?
?How will estate and gift taxes impact you and
your family?
'Do you need to make any end of year decisions to
maximize tax savings this year?
?Are tax advantaged investments right for you?
?Will your investments and retirement benefits support
your retirement lifestyle?
If you are interested in the answers to these ques
tions and many other tax and investment issues,
plan on attending this seminar. This program has
limited seating so advance reservations are
required. Call Sidelinger & Sidelinger, CPAs to make
your reservations. Light refreshments will be
served. The cost will be $10 per person.
SffieTA fffellnger, CPA MBA fewwjS?Golf Course Club House
Sidelinger & Sidelinger CPAs
Shallotte
(910)754-5488
Bryan Pratt
Interstate/Johnson Lane Securities
Myrtle Beach, SC
1-800-929-0775
Highway 179
Shallotte, NC
Dfte and Time
Wednesday,
November 16, 1994
9:30 am-ll:30 am
OH* THE BWUNSVWCX tiMXIH
loan. Most lenders require that a
combination of the VA guarantee
amount and any cash down payment
equal at least 25 percent of the rea
sonable value or sales price of the
property.
Generally, to qualify for VA home
loan guarantees, you must have
served at least 90 days on active
wartime duty, 181 days of continu
ous active peacetime service or have
been discharged for a service-con
nected disability.
Unmarried surviving spouses of
service personnel who died on ac
tive duty, or as a result of service
connected disabilities, also qualify
for VA home loan guarantees.
Finally, be aware that to qualify
for a mortgage loan, even one guar
anteed by the Department of Vete
rans Affairs, you must demonstrate
that you are a good credit risk and
that you have sufficient income to
repay the loan.
Disabled Veterans
Disabled veterans are entitled to
receive additional benefits, includ
ing direct loans from the Veterans
Administration to adapt a home to
their needs; vocational and rehabili
tative training; employment assis
tance; pensions; and educational as
sistance for dependents. Most veter
ans' benefits are not considered part
of your gross income, and therefore
are not taxed.
For more information about VA
benefits, consult your local tele
phone directory under United States
Government, Department of Vete
rans Affairs or Veterans Adminis
iiaitCFi.
Money Management is a weekly
column on personal finance pre
pared and distributed by the North
Carolina Association of Certified
Public A ccountants.
Hewett Promoted
Frankie Dale Hewett has been
promoted from Officer II to lieu
tenant of the Southern District, N.C.
Marine Patrol.
Hewett's law enforcement experi
ence includes two years with the
Brunswick County Sheriff's Depart
ment and 10 years with the N.C.
Marine Patrol.
He will be working out of the
Wilmington field office.
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Brunswick Hospital (910) 754-5434 or (800) 422-7564
Myrtle Beach, 1115 48th Ave N. 1121 (803) 449-6478 or (800) 758-6478
Brunswick County, Chapel HiD. Chariotte, Fiyetteville. Greenville, Jacksonville, Kannapolis, Lairmburj,
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