Jim Johnston (right), Reynolds Tobacco chairman and chief executive officer, received a smite
and a hefty handshake from N.C. Agriculture Commissioner Jim Graham (left) when Johnston
announced that Reynolds Tobacco will contribute $100,000 to the James A. Graham Scholars
Program at North Carolina State University. Graham was honored at a July 9 luncheon at the
company's Winston-Salem headquarters.
RJR contributes $100,000
for ag scholarship program
R.J. Reynolds Tobacco Co. will contribute ership development among the state's young people.
$100,000 to help establish the James A. Graham Graham is a 1942 graduate of NCSU.
Scholars Program, an educational scholarship pro- The program will identify outstanding high school
gram jn honor of North Carolina Agriculture Commis- students who plan to pursue careers in agricultural
sioner James A. Graham. The announcement was science and technology. A special training program
made by James A. Johnston, Reynolds Tobacco's will be developed to prepare these high school stu
chairman and chief executive officer, at a Winston- dents for careers in agriculture.
Salem luncheon honoring Commissioner Graharru fiigfr school students who complete the program
"Jim Graham is one of our state's most devoted will be eligible for nomination as a James A. Graham
public officials ? and, in our opinion, the 'dean' of all Scholar at the College of Agri<^lture~ahd Life Sci
-state-agrieulture-commissionersT? said Johnston? ences at NCSU.-The scholarship provides- students
"We're extremely pleased to make this contribution to $3,00 a year.
recognize his dedication to tobacco and to other agri- James A. Graham Scholars would also be eligi
cultural commodities during his 27 years as North ble to apply for a $10,000 fellowship if they pursue a
Carolina's agriculture commissioner." graduate degree in journalism or law at a school of
The James A. Graham Scholars Program is their choice. The Reynolds Tobacco gift will be made
being established by North Carolina State University to NCSU as part of the university's Century lt~Cam
to honor Graham and to encourage agricultural lead- paign.
Home repair
grants available
Most homeowners are
unaware that regardless of their
income there are Federal, state
and local programs that will help
them repair and remodel their
homes.
Government at all levels rec
ognize that neighborhoods are the
basis of life in our country. When a
neighborhood deteriorates, many
things happen both physically and
socially. Homes that are shabby
seem to make a neighborhood
more attractive to crime and crimi
nals. An area in decline is like a
spreading cancer. As homes
become rundown and in need of
maintenance, the residents lose
their desire to keep up the neigh
borhood. Streets become recepta
cles for trash, schools lower their
standards and very quickly the
selling price of homes in the area
drops sharply. This accelerates
the cycle of degeneration.
In order to keep and maintain
the nation's housing and neighbor
hoods, government at all levels
have programs to give homeown
ers money (that does not have to
be repaid) for repairs or to lend
them money at below market lev
els or at no interest. In many
areas utility companies will do
energy conservation work free or
at low cost and in other places will
lend homeowners money at no
interest to pay the contractor of
their choice for the necessary
work. In addition there are tax
incentives to promote efficient
energy use.
These programs are not
restricted to low-income people,
slum areas or urban neighbor
hoods. Owners of single or multi
family dwellings are eligible for
some programs regardless of
income. Most of the loans offer
long term and low payments.
A home-based business
; Continued from page A1 2
Tax benefits
Lifestyles flexibility
No commuting
' , ? ? ??? '
Cons
Space limitation
Zoning
Security concern
Household interference
Note that changes in personal habits will be required. Examples:
? Self discipline to keep TV off while working.
? Limiting personal telephone calls In length and number.
? Diligence in meeting work deadlines when no one is checking.
Ask family members to comment on pros and cons of having a
home-based business. Their concerns may require reconsideration
of some specifics.
Selecting A Business
V perhaps you have already decided what your home-based busi
ness will be. You know how you will serve your market and with
what. If not, but you ere determined to establish a home-based
source of income, then you need to decide exactly what business
you will enter. A logical first step for the undecided is to list potential
areas of personal background special training, educational and job
experience, and special interests that could be developed into a
business.
Some of the other home
improvements covered under
these programs are: attic and wall
insulation, new windows, outerwall
siding, security doors and locks,
window guards, sidewalks and
masonry work, bathrooms and
kitchens, electrical and plumbing
work, new roofs, gutters or down
spouts.
Consumer Education
Research Center, a national non
profit consumer group, has just
published Consumers Guide to
Home Repair Grants and Subsi
dized Loans , a 208-page book
which lists over 8,500 sources of
loan and grant programs offered
by all levels of government, utility
companies and others, typical pro
grams offered and eligibility
requirements.
Form letters for inquiries to
these loan and grant sources are
included as well as detailed
instruction on determining your
debt-to-income ratio for eligibility.
The book can be obtained for
$10.95 plus $2 shipping and han
dling from CERC Grants, 350
-Scotland Road, Orange JMJ Q7959
or by calling 1-800-USA-0121 for
credit card order.
Robert L. Berko of CERC,
tells us, "Some of these programs
have no income ceiling and others
allow income of as much as
$100,000 per year.
There are even programs for
which tenants are eligible and
many allow loans or give grants to
poor credit risk. One of the
authors of this book received a
$5,000 N.J. grant plus a $4,000
interest free loan from his utility
company. In many areas, people
with disabilities can receive grants
to pay for needed repairs such as
access ramps and widening of
doorways."
Since it is important that the
work be done properly, the book
describes in detail how to pick a
reputable contractor, negotiate a
contract and insure that work is.
done properly and for a fair price.
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Give
Another Chance.
Give Blood.
American Ked Cross
HH
NOW
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