Home buyers are urged to take
a more active role in process
HERTFORD? Real estate asso
ciates at First Choice Realty-Better
Hqmes and Gardens report there are
, matiy time-saving steps home own
ert can take to reduce the loan proc
esHDg time, assume a more active
rote in providing financial data, and
help ensure their loan is secured at
the interest rate originally quoted.
dome buyers are oftne caught in a
w^it-and see game. They agree to
buy a home and lock-in to an interest
rate for a specified period, usually
between 45 to 60 days, then sit back
and hope. Hope delays do not occur in
) gathering information for a loan ap
proval.
"The first things that a borrower
needs to take care of are the ones that
every lending institution expects,"
said Eva White, Broker in Charge,
First Choice Realty. "Get social se
curity numbers; specified records of
employment history, including sala
ries; expenses pertaining to present
monthly housing expenses ; informa
tion and details about your current
^assets, including account numbers,
and any real estate that is owned;
and all information about liabilities,
and thai includes who the debt is
owed to, account numbers, balances
and payments. But take the initiative
yourself, don't assume that it will be
dooe."
White emphasized, "There are the
things that we help our buyers pre
pare for. A good accounting of the de
tails on this information can save a
lot of time when time is critical."
First Choice Realty also provides a
checklist of critical pieces of data
that a borrower may need to provide,
that if brought together ahead of time
will reduce delays:
Provide a copy of the signed pur
chase agreement with all attach
ments and amendments.
It's a good idea to have in hand cop
ies of the past two year's tax returns
Supply the details of any legal ac
tions you are involved in.
Have handy a copy of any divorce
decrees and records of any alimony
and child support.
Self-employed buyers should be pre
pared to supply copies of their tax re
turns for the last two years.
Include all copies of land contracts
and warranty deeds.
A buyer should provide copies of
most recent credit card statements.
Have a listing of all valued assets
with approximate value of each, in
cluding government bonds, furnish
ings, and jewelry.
It will also be time saving to inform
employers, as well as banks and
credit institutions, that the lending
institution will be calling to confirm
the information.
White said, "In order to avoid da
lays and possible postponements
which can be costly, there are things
that we go over with our customers.
Since every buyer has a unique finan
cial background, we urge home buy
ers and sellers alike to take advan
tage of the knowledge of a
professional real estate professional
who can uncover some of the areas
that may become snags later."
How well the buyer is prepared will
affect how smoothly the transaction
goes. "Even a simple thing," said
White, "like checking with the lender
during the course of the loan to make
sure that everything is in order to
prevent problems that take the fun
out of buying a home."
Celebrate firework safety over holiday
The Fourth of July celebration is a
time for parades, picnics, baseball
games and the grand finale? the fire
works display. According to the Na
\ tional Society to Prevent Blindness?
' North Carolina Affiliate, fireworks
are not always handled by profes
sionals and many fireworks are rad
ily available both legally and ille
gally. The result is an alarming
number of injuries each year.
The U.S. Consumer Product Safety
Commission estimated that 12,600
people were injured in fireworks-re
lated accidents in 1986. Alarmingly,
) these injuries have increased 22 per
cent over the 1985 figures. While
some of the 1986 increase can be at
tributed to a dual celbration of the
Fourth of July and the Centennial of
the Statue of Liberty, it should be
noted that fireworks injuries have
been increasing steadily every year
for the past decade. Of particilar con
cern to the National Society to Pre
vent Blindness is that more than 15
perpent of all fireworks injuries re
) ported by Product Safety Commis
sion involved the eye(s).
In 1985, the American Academy of
Ophthalmology, an organization of
eye care physicians, established a
national reporting system to collect
fireworks eye injuries. Of the 659
cases reported, more than 40 percent
caused permanent eye damage, al
most 25 percent of the injured
(mostly youngsters) either had their
eye destroyed or lost some sight.
Another cause for concern is that
despite the increasing number of in
juries, many states are relaxing their
laws regulating thesale of Class C or
orfinary fireworks; North Carolina
bans all Class C fireworks. Class C
fireworks include the following:
Fountains, California candles,
spike and handle cylindrical foun
tains, Roman candles, rockets with
sticks, wheels, snakes illuminating
torches, sparklers, mines and shells,
whistles without report, party pop
pers, missiles-type rockets, and fire
works with no more than 50 mg. pow
der.
The National Society to Prevent
Blindness? North Carolina Affiliate
warns against the use of fireworks.
Unfortunately, the range of state
laws and illicit market make fire
works readily available. Almost as
many injuries occur in states with
firework laws as without. To help use
fireworks safely, the following
guidelines are recommended :
Before using any type of fireworks,
check state or local laws.
Only adults should be allowed to
discharge fireworks. Even "safe"
fireworks (i.e. sparklers) are a dan
ger to children.
Read and follow all instructions
and warning labels.
Fireworks should only be used out
doors in a clear area away from
homes, buildings and combustible
materials.
Be sure others are out of range be
fore lighting fireworks.
Keep water nearby for emergen
cies and dousing malfunctioning fire
works. Never handle or attempt to
relight a firework that does not go
off. Soak it thoroughly before dis
carding.
Never ignite fireworks in a con
tainer; glass and metal containers
can easily be shattered.
Those adults using fireworks
should use eye protection (safety
goggles or spectables with side
shields) to reduce the possibility of
eye injuries.
Store fireworks in cool, dry areas
check instructions of storage direc
tions.
Should an eye injury occur, call for
emergency assistance as quickly as
possible. A physician should check
all eye injuries.
Your safest bet for the holiday?
leave fireworks to the professionals!
For additional information on fire
work safety, call or write: North Car
olina Society to Prevent Blindness,
1033 Wade Avenue, Suite 126, Ra
leigh, North Carolina 27605.
Diet reduces risk of getting cancer
DURHAM, NC-Confusion about
the role of diet in cancer is under
standable, given the volume of infor
mation?and misinformation? in cir
culation, according to Dr. Wiliam W.
Shingleton, director of the Duke
Comprehensive Cancer Center.
The evidence, however, strongly
suggests that diet does influence our
chaijces of developing cancer, he
says. ^
) The National Academy of Sciences
has issued guidelines based on the
best available scientific research re
lated to diet and cancer.
Accordingly, the average Ameri
can should:
Avoid obesity. Studies indicate that
being overweight increase the risk of
colon, breast, prostate, gall bladder,
ovarian and uterine cancers. Consult
your physician to determne your
ideal body weight and for a recom
} mendation of suitable diet and exer
cise plan to maintain an appropriate
weight.
Reduce daily consumption of fat. A
diet high in fat may be a factor in the
development of breast, colon and
prostate cancers.
Eat more high-fiber foods, includ
ing fresh fruits and vegetables and
whole grain breads and cereals. This
may reduce the risk of colon cancer.
Include foods rich in vitamins A
and C found in dark green and deep
yellow fresh vegetables and fruits,
such as carrots, spinach, sweet pota
toes, and apricots as sources of vita
min A; and oranges, grapefruit,
strawberries, green and red peppers
for vitamin C. The risk of cancers of
the esophagus, larynx and lung may
be deceased. Because large amounts
of vitamin A can be toxic, limited in
take.
Include cruciferous vegetables
broccoli, cabbage, brussels sprouts,
kohlrabi and cauliflower? in your
diet.
Minimize consumption of salt
cured, pickled and smoked foods.
Some processes used in preparing
these foods may be cause cancer.
Use alcohol in moderation (no
more than one or two drinks a day).
The evidence of the role of diet in
cancer is still inconclusive in many
areas," Shingleton says, "but the
data suggest it would be wise to fol
low these guidelines, at least until
better evidence is presented. It cer
tainly wouldn't do any harm. In fact,
thes modifications to the typical
American diet would more than
likely improve health generally."
Shingleton urges consumers to be
wary of reports linking diet and can
cer. "The link between coffee and
pancreatic cancer is a case in point,"
he notes. "
"There are many conflicting studies
that confuse the issue. As a result, we
can't say with any certainty if there
is a link between the two."
WIC program is outlined by state
WIC, the Special Supplemental Nu
trition Program for Women, Infants,
ami Children is available at the Pas
quotank, Perquimans, Chowan,
. Camden, and Currituck Health De
' partments.
The WIC program provides supple
mental foods and nutrition education
to pregnant, breastfeeding and post
partum women, infants and children
up to their fifth birthday.
In order to be eligible for the WIC
Program, the applicant must:
Be a pregnant, breastfeeding or
postpartum woman, infant or child
under the age of five.
I 2. Reside in the health service deliv
' ery area of those counties listed
above.
3. Meet the financial eligibility
guidelines of the PPCC District
Health Department.
Found to be a nutritional risk.
The PPCC District Health Depart
ment WIC Program is particularly
interested in participation of women
and infants.
If you think you are eligible for the
) WIC Program contact the health de
Clinic
scheduled
TV Perquimans County Health
Department will be holding its
monthly nighttime Immunization
Clinic for working parents on Thurs
day, July ?, 1987 from 5:00-7:00 p.m.
. The change in date is due to the 4th
' of July holiday. Next month thi dink:
will return to its usual first Thursday
of the month date.
Ira m
partment in the county you live in.
Camden County Health Depart
ment? 335-4486; Chowan County
Health Department? 482-2511; Curri
tuck County Health Department?
232-3016; Pasquotank County Health
Department? 338-2167; and Perqui
mans County Health Department?
426-5498.
The office hours are 8:00-12:00 and
1:00-5:00 Monday through Friday.
Standards for participation in the
WIC Program are the same for ev
eryone regardless of race, color,
creed, national orgin, political be
liefs, sex, or handicap.
Bears in the aggregate are called a sleuth.
m I I 'M > 3
ifo
.B. WEST & CO.
SUMMER SAVINGS
SALE
NIL INFANT AND CMLDRIN
30% OFF
No Loyawayi on Solo Itoms
503 BROOKS AVENUE
335-4986
MON.-SAT. 10)00 A.M..SM P.M.: SAT. T0-?
Pictured above are Christy Waters and I.oretta Mallorv .
r* i
photo by Anzie L. Wood
Local drum majors attend camp
The Perquimans County High
School Band's new drum majors for
the 1987-88 school year are Christy
Waters, daughter of Don and Bar
bara Waters, Rt. 3, Hertford, and An
gela Mallory, daughter of Lorretta
Mallory also of Rt. 3, Hertford.
This past week both girls traveled
to Ferrum College, in Ferrum, Vir
ginia where they attended the Mid
Atlantic Band Front Camp.
The camp which ran from June
21st until June 25th covered all areas
involved with the front of a band. The
Drum Major program offered Ch
risty and Angela classes in several
areas including: marching and ma
neuvering, military bearing, signals,
fanfares and salutes, conducting, pa
rade procedures, and leadership,
charting formations, competitions
and festivals, and much more.
The girl's instructor for the week
long camp was Tina Sochia. Tina is a
graduate of West Chester State Col
lege, West Chester, Pennsylvania
where she marched with the Golden
Rams Marching Band as a Drum Ma
jor.
Throughout the week long camp
there were five squad competitions
held for the Drum Majors. Christy
and Angela's squad did very well
winning four out of five competitions
in the areas of marching, maneuver
ing and conducting.
In addition to winning their squad
competitions Christy was chosen
from 100 Drum Majors to receive the
award for Most Improved Drum Ma
jor Individual. Christy and Angela
also received certificates of merit for
their participation in the week long
camp.
The girls also took part in several
exhibitions while they were at camp.
Exhibitions were held during the
week in the mornings and at night. A
final exhibition performance was
held on the last day of camp, Thurs
day, June 25th in front of students,
parents, band directors, and camp
officials. It featured drills, march
ing, and conducting by the campers
Both Angela and Christy enjoyed
the camp. Angela commented that
her favorite class was conducting.
She also said she enjoyed meeting the
other people at the camp, and the dif
ferent styles of the Drum Majors. Ch
risty stated she thought the classes
were very exciting, and they worked
hard during all their breaks
David Ziemba, Band Director of
the Perquimans County High School
band stated that he is very proud of
the girls accomplishments, and their
dedication to the band it will mean
alot to our band program," he said
In addition to Christy and Angela
98 other Drum Majors attended the
week long camp. The Drum Majors
in attendance represented 80 schools
from nine different states
The other members of Christy and
Angela's squad were representing
bands from Bluestone, Virginia, and
Broughton High School in Raleigh.
North Carolina.
Outstanding local 4-Her honored
Charles Jason Harrell, son of Mr.
and Mrs. Tommy Harrell of Hertford
is the 1987-88 recipient of the Anne
Kristine Barnes 4-H Scholarship. The
scholarship is made available
through an endowment established
by First Colony Farms in memory of
Anne Kristine Barnes, a 4-H club
members in Washington County.
Miss Barnes was a sixteen year old
high school student and an outstand
ing 4-H member. This scholarship is
one of several 4-H Development Fund
Scholarships available to active 4-H
club members.
Harrell who has been a member of
the Town & Country 4-H Club for over
nine years was nemed the 1987 Dis
trict Winner in the 4-H Swine Cumu
lative Record and the State Runner
Up in the 4-H Swine Cumulative Re
cord. Harrells' cumulative record is
a concise Summary of his nine year
4-H career. In addition to being a
state and grand national 4-H demon
stration winner, Harrell has been
nominated by Who's Who Among
American High School students for a
second consecutive year for out
standing achievements for the 1986
87 academic year. Most recently,
Harrell was named the District Win
ner in the Horticultural F'roduction
Demonstration at 4-H District Activ
ity Day in Plymouth. He and other
county 4-Her's wil be attending State
4-H Congress the week of July 20,
1987
Tips on current best food values
By JUANITA T. BAILEY
Home Economics Ext. Agent
When you go to the supermarket
this month, you can expect to see
higher prices on beef and pork. But
thanks to increasing supplies, poul
try prices stay pretty stable.
If you can be patient, you'll proba
bly see pork prices come back down
in July and August, because more
piggies are expected to go to market.
But, don't expect the same favor
from beef prices. Beef is a popular
summer meat, and that means de
mand is up and so is the price.
Even better news. Fresh fruits and
vegetables will be abundant. June is
the first of a two-to-three month peak
period for cherries, blueberries and
peaches. And you'll also find plums,
table grapes, nectarines, water
melon and cantaloupe in good supply.
At the produce counter, look for in
creasing supplies of corn, new pota
toes, tomatoes, green beans, beets,
squash and onions.
If you're a do-it-yourselfer, you've
probably already been on the look
out for pick your own farms. They're
opening daily, so check your local
supplier to find out when your favor
ite fruit or vegetable will be ready for
harvest.
Now's the time of year to fill the
freezer, too. And if you like fruit com
pote: here's a tip. Freeze the fruit in
layers as it comes to market. First
the strawberries, then blueberries,
I
cherries, peaches, plums, and nec
tarines or cantaloupe By the end of
summer your compote should be fin
ished.
You might also can more tood this
year. Stocks of commercially canned
goods are low, so prices w ill probably
go up.
1
Town of winfall
Will Be
Closed Next
Monday, July 6th
for the July 4th
Holiday
Tired of Frozen Patties, then come see us
at
for
White's &ar-B-Q>*e
Fresh Hamburgers made daily
We make our own Chicken Salad
& Brunswick Stew
WEEKEND SPECIALS
FRIDAY SATURDAY
Shrimp, Fish, Oysters Pickled Herrings
Charcoal Lacey Corn Bread
Pit-Cooked Bar-B-Que Served Daily
Let Us Cater Y our July 4th
Party Call Now
426-5064 Hertford US 17