SCURLOCK CHORUS - Scurlock School s Fourth Grade Chorus is show during a rehearsal Friday afternoon
The chorus will give a Christmas concert at 7p.m. Thursday in the school auditorium. It consists of 74 students
and is directed by Mrs J. H. Austin. The accompanist will be Chris Wutkins. The chorus will sing "Santa and ?he
Snowbtle. Little Things at Christmas. The public is invited.
SOUTH HOKE CHORUS -? South Hoke School's Fourth Grade Chorus of 65 students is shown here. The chorus
will perform a Christmas concert at I p.m. Friday tor the other South Hoke students. Mrs. Miriam McNeill is
director of the chorus.
FREE TURKEY
COMPLIMENTS OF
National Finance Company
110N. Main St.
Raeford, N. C. 28376
875-2136
FROM NOW TILL CHRISTMAS WHEN YOU
MAKE A NEW LOAN OF $600 OR MORE
ALL LOANS SUBJECT TO OUR LIBERAL CREDIT POLICY
School Menu
Friday. December 19
Vegetable Beet Soup
Peanut Butter 6i Jelly Sandwich
Craekers
Apple Half
Milk
MERRY CHRISTMAS ic
HAPPY NEW YEAR
Offered By Sandhills Community College
Estate Planning
Course Opens Jan. 28
An estate planning course spon
sored by the Retired Teachers
Association will be offered by
Sandhills Community College at
the Hoke County Library beginning
January 28, by a retired member of
an international CPA firm.
Ray Graichen, who recently
moved to Pinehurst from Texas,
will conduct the course each Wed
nesday morning from 10 to noon in
the conference room at the library.
Persons wishing to enroll may do
so at the Hoke County Library,
from 4 to 8 p.m. Thursday, January
8. or at the first class, providing
there is still room.
A fee of $5 will be charged for
those under 65 years of age.
The course will emphasize the
importance of each person plan
ning how to leave his or her estate
to relatives or others in the most
beneficial way tax-wise under
North Carolina and federal laws.
Graichen has been a CPA for
more than 40 years and recently
retired as a partner in the firm of
Coopers and Lyband of Houstin,
Texas. That firm has accounting
offices in all major cities of the
United States as well as offices in
many foreign countries.
His experience includes financial
and estate planning and tax work.
As a CPA, Graichen served with
the national office of the Internal
Revenue Service and was an advisor
to the director of the IRS. He also
was a representative of the Ameri
can Institute of the CPAs in
Washington, D.C. for a number of
years.
Graichen is a licensed CPA in 12
states, including North Carolina,
and is familiar with all of the tax
laws in the state that apply to estate
planning here.
His course will cover every aspect
of estate planning from birth to
death and will provide information
on planning under both North
Carolina and federal laws.
Specifically, the course will in
clude these subjects: federal gift
and estate taxes, state inheritance
and estate taxes, income taxes, life
expectancy, minimum taxation
possibilities, wealth accumulation
and disposition, what wealth is
adverse aspects of inflation, em
ployee benefit plans, social se
curity. why a will is a must,
property ownership (joint and
otherwise), trusts that save taxes
and expense, and the need for
consulting with professionals about
vour estate. A
The course will cover 14 hours of
in-class discussions and will con
clude on March 11.
LAW
For Laypersons
SMALL CLAIMS COURT.
Part V
The trial of a small claim action
is heard before a magistrate. As
you may know, magistrates are not
necessarily lawyers. According to
General Statutes ? 7A-171.2, an
individual, in order to be eligible
for nomination as a magistrate,
must have successfully completed a
high school education, or have
qualified for a certificate of high
school equivalency or have suc
cessfully completed a course of
basic training of at least forty hours
in the civil and criminal duties of a
magistrate.
The usual rules of procedure,
which are applicable in a trial of
civil actions, are generally ob
served. but there is no jury. After
the plaintiff puts on his case, the
magistrate may end the suit im
mediately if he feels the plaintiff
has not put on enough evidence to
establish his case. If. however, the
magistrate feels thajt the plaintiff,
has established hfs? case, ne mFiH*
then let the defendant introduce his
evidence to contradict that of the
plaintiff. After all the evidence has
been presented, the magistrate will
enter a judgment in favor of the
plaintiff or dismiss the suit in favor
of the defendant. If he is not
exactly sure, however, how he
ought to decide the case, he may in
his discretion reserve judgment for
a period not in excess of ten davs.
Your lifestyle may
wasting 28of the
^Kenergvvou use.
Y What you do in your home can make a
IfrfflfMr ^ big difference in how much energy you use?
111:'?* and how much energy you waste.
Consider two houses; both 1500 square feet, family of four,
fully equipped with appliances and central air conditioning.
Home *1 has storm windows and doors, proper insulation,
home #2 doesn't. #1 keeps the thermostat at 78? in the summer;
In the* winter, #1 keeps a 62? nighttime setting, 65?68 day
time; #2 keeps a 720 setting. The family in #1 watches the way it
uses hot water and appliances; the family in #2 doesnt.
In a year, home #1 uses 87 million units of energy; *2 uses
122 million. So do what you can to cut down on wasted energy.
Because the more you get out of your energy dollar, the
more we can get out of ours. And the less our bills will have to
go up later on. CMUL
Carolina Power A tight
Doto based on colculotions developed byCP&L Energy Serv.ces for overoge heoting and cooling degrees days for CP&L service area
If the magistrate finds in favor of
the plaintiff, he will put the terms
of the judgment in writing and then
sign it. The judgment will then be
put on public record and indexed
just as if it were a judgment
rendered by a judge of the district
court. Hopefully, the defendant
will pay the judgment after it has
been entered, but if he does not.
the plaintiff will have to use the
legal remedies given to creditors to
make debtors pay their debts.
Suppose you went into a small
claims court without a lawyer, and
you just made a terrible mess of
things in presenting your case or
you thought the magistrate did not
rule correctly. Fortunately, not all
is lost, for you can appeal for a
brand new trial before a district
court judge. All you need to do is to
serve written notice of appeal on all
of the parties involved and file a
written notice with the Clerk of the
Superior Court within ten days
after the magistrate has made his
decision. However, if you tell the
magistrate in open court that you
want to appeal, he should make
note of your request in writing and
that should be a sufficient notice of
appeal to everybody.
When you do appeal the decisioi(
to the district court, you may now
demand and receive a jury trial. If
you do not ask for a jury trial within
five days after notice of appeal,
however, you will no longer have
the right to a jury trial.
"This article is written as a
matter of general interest only. It is
not to he construed as legal advice,
and you should not rely on the
statements made in the article to
govern your actions in any specific
case. If you have a particular
question or problem, you should
contact an attorney. "
ccenl" on I
gricullure
BY JOHN SLEDGE
N.C. Farm Bureau Federation
America's industrial producti
vity. once the marvel of the world,
has declined over the past tew
years, threatening sharp drops in
our standard of living. But econo
mists cannot agree on what's
causing the drop or on what to do
about it. Productivity is measured
by output per hour of labor. If
output fails to keep pace with the
rise in wages, production costs go
up and so do prices. The net result
is more inflation and the loss of
markets to less expensive foreign
products. America's trade with the
rest of the world ran S28 billion in
the red last year and, with the
ever-rising cost of our oil imports,
this year's trade deficit could go
much higher.
Meantime, other industrialized
nations, namely Japan at 9 percent
and West Germany at 5.5 percent,
continue to far outpace our coun
try's near zero annual productivity
growth even though they are far
more dependent on costly foreign
oil than we arc. And both Japan
and West Germany have managed
to keep their inflation rates largely
under control at less than 7
percent.
By far the greatest incentive to
productivity in Japan, West Ger
many and other Western industrial
WINNER -- Eric Sinclair is holding
the prize check he received when
his suggestion on a way to save cost
and time at the Raeford plant of
Faberge, Inc. . was chosen the
winner for November. He is a
forklift operator in the Warehouse
Department.
nations is the avoidance ot exces( I
sive government taxation and
spending. By contrast, during the
past decadc. the U.S. government
consumed three times the share of
national income than did the
Japanese government, and the
American people had half the
increase in income than was en
joyed by the Japanese. Signifi
cantly. Japan has enacted tax cuts
in 18 of the past 20 years. Rather
than impose heavy taxes on sav( |
ings, Japan and West Germany
encourage their citizens to bank
much of their earnings thus provid
ing capital for industrial expan
sion. In the U.S., the rate of
individual savings is only 3 percent.
Perhaps its time our government
leaders and economists stopped
following the Scandinavian welfare
states. Sweden. Denmark and Nor- .
way who are in deep economil I
trouble, along with England, and
started following the example of
current winners.
U.S. productivity used to grow at
an average of 3 percent per year for
the better part of a century. Are we
not capable of adopting economic
policies that have clearly worked
for us and are still working for
others.
<1>