1
Stretching Your Dollar
By Philip J.
Institute for Financial Planning. Inc.
If you were 30 years old six
months ago, you might already
be 31 years old. according to the
way some life insurance com
panies figure their premiums. Al
though several (ompafiies might
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KINGS MOUNTAIN DKUC CO.
KINGS MOUNTAIN — MAIL
ORDERS FILLED
11:5—I®
have identical policies and < barge
the same premium for them, you
get a cheaper price Irom the
company that bases your age on
your last birthday, rather than
the company that ,asvs your age
on your nearest birthday.
This pi act ice of aging insur
■inee buyers Indore their time
works very simply: If siv months
1 have elapsed sin.-c your last
birthday, many insurance com
panics consider you a year older.
1 This means that vour age for
t their p.iliey is l>ased on your
• nearest birthday. Other com
panies wait until one- day i-efore
your birthday before figuring a
more expensive premium on fhe
next higher age. For example, if
you are 30 years old and decide
i to huy a $10,000 ordinary life in
surance policy, you will h*1 charg
ed ahoat $153.00 a year. If you
arc 31, the* same- policy would
: c >st you about S1.5S.00.
! Although by buying the policy
from the comjiany which figures
your age at your last birthday
you would In- saving nly $3 00 a
year, remember that if vou live
to age 65. you will have saved
$175.00. Tilts does not take into
account mono) that «■ juM hav t
been saved if the same principle
was applied to health and acci- .
dent insurance, d.sability insur
ante and life insurance on others
in your family who may e in
sured tinder a "family plan" pol
icy.
Now it is just as important to
remember that the way a corn
pa-:iy computes your age is not
the only reason which should
guide y iu in buying or not buy
. ing a policy. If the coverage is
identical, then you can divide on
1 the age factor. However, if one i
policy offers more benefits than ,
tile other, the question of wheth
er you will !«• paving on the ba
sis of your being one year y >ung
cr or older should lx- discounted.
Always buy the liesi coverage
not the cheapest price!
Rememlier. too. that price
should not prevail over v >ur per- t
.son a I needs. Your life insurance
agent will rivommend the a
mount of coverage you will re
quire to safeguard your family
and the kind of opti >ns and
benefits that are best suiteil for
your particular situation. If the
i mpany offering the most fav
orable policy covering all of
your need* computes age to your
, nearest birthday, it should not
keep you from buying the policy.
Use the age measurement for
savings only when the policies
are exactly the same. If you sur
render special benefits or com
promise on your individual reeds
Holland Member
Of First Infantry
i AHTN'Ci - Arrr.y Pvt. Robert
W. Holland, son of Robert 11.
Holland. X16 W. Gold St.. Kings
Mountain. N. C.. and other mem
bers of the 1st Infantry Division
are parti* ip.iting in Exercise
(>OLD KIRK I. a 16-day field
t earning exercise bein » conducted
in the vicinity of Kort Leonard
Wood, Mo., ending Nov. 13.
The exercise, involving two tip
posing forces. Joint Task Force
Sioux and Joint Task Force O
*ark. is designed to test and
evaluate the suitability of the 1’.
S. Rir Force concept for improv
ing the use of aviation in support
r>f Army ground forces.
Holland is pai ticipating with
the Sioux f »rcc which is using
current doctrines and ptm-edures
while the Ozark fortes are em
ploying the new concept of sup
port and attack. About 20.600
men are taking part in the man
euver.
The IX-year-old soldier, a rifle
man in Company C. 2d Battalion
.if the division's ixth Infantry at
Fort Riliey, Kan., entered the
Ormy in November 19fi3 and
completed basic c.imbat training
at Fort Polk. La.
His mother. Mrs. Louise Ford
ess. lives at 309 Cherokee St. |
because of it. the result will he
a dangerous, false, economic
risk.
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Storage lips
Are Given
RALEIGH This week. >uu’ll
probat Jy buy some canned goods.
And you'll take them home and
store them. You may can mans
foods and subsequently st .ire
them. Now. what's that storage
place like?
According to Food i\*nser\a
lion and Marketing Specialist
Iula Pritchard of Noith Carolina
State, that storage place should
hi* cool, dry and dark
It it's not. your taking the
chance that cans might rust iun
tier extreme moisture conditions'
and shorten the shelf life of the
food: that high temperature mat
impair color and flavor of some
foods canned in jars, and cold
temperature might freeze anti
break jars; that light might
fade and discolor the prtiduet.
For those who an* about to
build a h >me. the problem of
storage is ideally solved in
clude a canned go<>ds storage
area in the house plan.
"Storage begins with house
planning.” .Miss Pritchard said
''Storage should he brought into
your thinking when you r.uy a
house already built, too.” she
added.
But why is storage so impor
tant?
Aside from tlie appearance and
edibility of the food, there's the
money aspect.
With proper storage for can
ned goods, you can take advan
tage of grocery store specials,
and kn >w that later when you
use that product, it will still lie
g H»d.
Then there's the convenience
of having all or parts of many
weeks meals handy not blocks
away at the grocer ystore.
“Storage of food lias an indi
rect influence on the health of
This Is The Law
JOINT WILLS
Max a husband and wife joint
!v (‘Xf.utc a single \xill°
Yea. A will may be joint 1> e\c
cuted ijy tv\o jK-.-sons It is in
feet the separate will of each t>f
them although contained in a
j single instmment
May a jointly executed will tic
'revoked by one of the parties
without the consent of the *th
er”
Yes Kit her party has the free
Jmn to revoke at any time tin
instrument ar his last will and
testament in the ihsence of a
clear and definite contract has
the family. We know that a lam
ily wh ' his a ready supply of
food is better fed than one that
I has to go to the grocery stoic
constantly." Miss Pritchaid said.
But what if you li\e in a home
• that isn't equipped with ideal
(storage? Is it worth the money
to completely re-do a part of the
1 h 'Use just to gi t a storage place
for canned goods?
"I can't say this dc|>cnds on
you. Kach family must make a
decision basiil on the size of the
family, ages of members, family
activities and income, location of
family home in relation to the
, grocery store.
“For some families, it might
he most economical to invest m a
storage place that's cool, dry and
dark and huilt to accommodate
jars and cans.
“For other families, these ideas
may help":
Store goods in jar boxes'
'This would ho dark, would h -Id
down moisture some; is good in
sulator against cold.*
Store goods in d. rk shade or
dry basement.
Fix a window shade to dark
en otherwise suitable shelves.
ed upon a valuable consideration
This rule also generally ap
plies lo mutual or reciprocal pro
visions in vv.Ils. where two per
s ms execute wills at the same
tiT.e. either hv one or two insttu
ments. m iking n*c.proi-al disp is
itions in favor of each other
May a joint or mutual will en
term! into by a husband and w ife
In- revoked hv the wife suhse
ijuent to the death of her hus
band?
Yes, in tile absence ot a dear
and definite contract.
Let us suppose that a hus >and
and wife own valuable teal pro
perty as tenants bv the entirety.
»<>t h agree to jv>int 1> execute a
will leaving this real property to
the survivor for life, and the re
maindet upon the termination of
the life estate to the trustees of
a named i-ollege The husband
dies. May the surviving wife dis
pose of the real pro|>erty in any
way she desires?
Pa^lonShow
Hats
KOVtWt, a
5:30 pju.
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C,f”*“" a~
““’IS!068 «•>«
AUDITORIUM
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PAGE’S MEN’S STORE
133 MOUNTAIN ST. KINGS MOUNTAIN. N. C
REGISTER FOR PRIZES S25 SAVINGS ROND