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HOUSTON DAILY JOURNAL •&M , I - -- i / ' SlmSS®' •».»“?*- ” wWfc. «8 >Bfw*' I .vn - .> r sl3 . Jp yr ’ cSi jw3& liL >w_ R 4 *v- - "'w- WS- ; “K t IssffiyaS Em *&-- M W&m m K»- ;; iKy _, ’■^aaffaf&i^'"ii 1 L-IMIiPWf it * i v was? Hlv at ▼ ,jB * HB PH IB| - jlPI iPP’ Iflllfl s ""'u. Contributed The Warner Robins Area Chamber of Commerce hosted a ribbon cutting ceremony for Strandz Salon and Spa Nov. 29. At that time, co-owners Kristi Harrell and Suzie Iraca were joined by staff (not in picture order) Terri Bass, Becky Brashear, Tiffany Dale, Pam Smith and Gail Vance, City Councilman Steve Smith, family, friends and Chamber Ambassadors in the celebration. Strandz is located at 150 Houston Lake Rd. and is a full service salon with a unique atmosphere. For more information call 333-6931. • '{i .: J: MiflBSP £i> Contributed The Business Development Committee of the Perry Area Chamber of Commerce recently awarded O’Neal Insurance agency December’s Small Business of the Month. O’Neal Insurance is locally owned and operated by Bill O’Neal. They are a full service insurance agency offering all types of insurance to business owners and private indi viduals. They are located in Historic downtown Perry at 1010 Macon Rd. This will make them eligible for the Small Business of the Year which will be awarded at the Chamber Annual Meeting. LETTER From page 4A I would like to say that your facility is top notch and all who extended efforts selling tickets, hot dogs, etc. were top rate and made us visi tors feel at home. I must however cry “foul” to some of your Class-Less fans who sat on our vis itor’s side and made the most tacky and sometimes Lldg l^rty Tuesday, December 19 10 a.m. - 12 noon Perry Art Center 1121 Macon Road Perry (The old National Guard Armory) For more information, call Shirley Thompson at 987-9691 or email dancinfooi@alltel.net. Ribbon cutting Business of the month profanity laced comments. Many were asked to leave by the Warner Robins police. I must point out this was a small few Eagle fans - did I say fans, real fans don’t act this way - maybe only 15 out of I am sure were a couple of thousand or more Eagle fans there who were respectful and simply wanted to have a good time in a family out ing. So in closing I am respond ing to those “tacky” fans DJ will be Shirley Thompson, Senior Care Line Dance Instructor The Dance is FREE. Please bring a Finger Food and your choice of Non-Alcoholic Beverage. who may read this: “Yes we know your team is heading to state (since you repeated it over and over like a bro ken record) and yes it was a long drive back home but at least we got to go home to the most beautiful part of the state, the North Georgia Mountains. Come bring lots of tourist money when you come visit and vacation but don’t stay long, you have got a football game to get back to.” £% A jjepSor ' HnauaUnibam LOCAL What everyone should know about life insurance State Point Media It’s one of those things we usually put off f<>r tomorrow, like cleaning out the garage or bringing the car in for a tune-up. Although people widely recognize the impor tance of life insurance in financially protecting their families, most need signifi cant help in determining the type and amount of cov erage that is appropriate at different life stages. A good rule of thumb is to review your life insurance policy yearly and update it to reflect any major life changes - such as marriage, the birtfi of a child, divorce or a spouse’s death. However, most of us are unprepared when it comes to this important safety net. According to research conducted by the National Association of Insurance Commissioners (NAIC), nearly two-thirds of young families believe it’s “very important” for both spous es to have life insurance, yet fewer than half say they actually have purchased insurance for either spouse. And across all life stages, around 40 percent of con sumers fail to review their life insurance policies annu HICKS From page 4A focus on what’s important. ■ Know each other’s love language (how your spouse gives and receives love). It may just take a kiss and a loving word when you get home to make them feel validated and help them survive the rest of the day. The second list is a bit shorter, but a lot tougher: ■ Take a serious look at your lifestyle and see if it’s what you really want for your family and for your IJMWSIIftSf Hr'' Celebrate Your Littfe One's Tirst Christmas fp with This ‘Unique ‘Affordable Keepsake MjmjmMjPf That ‘Runs |afl§B§ *4 . :December 23, lpl|Bp jsfifc*- Fill out the infor triation below and m bring in or mail MM?> IHISSs vour baby's photo, Iklmi along with your sa°.° o check/ yHHUPkb* mon>\ order, to ATTN: FIRST CHRISTMAS 1210 Washington Street, Perry, GA 31069 MTi, Published information - Please print clearly I Baby’s Full Name: # Baby’s Date Of Birth: mpm Parent’s Name(s): HVV Mon-published material: . Purchaser’s Name: | Daytime Phone: | Blri m ALL ENTRIES MUST BE RECEIVED BY I DECEMBER 13, 2006, BY END OF BUSINESS DAY , ! j tf' B _ _____________ __ a tUi/.f.-' ■ , •,»> ffttr ' January i’. 2007 * %■%4 jfe. or mbtti a "If entrltipi for photo rrturn. #,■' it : - U Die, Jviumi:t, 01 .iiwrifiil j'hoh).. rn.ui. — ~~Zgjssr\ j&gk mmmm 41557 I WEDNESDAY, DECEMBER 6, 2006 ♦ ally. That’s why the NAIC is offering free advice detail ing what all of us should know: Start by considering how many people are financial ly dependent on you, what their major expenses are likely to be and whether you’re likely to leave them with substantial debts or taxes to pay on your estate. Life insurance can help on all of those fronts. Then evaluate the two main types of life insur ance: term and permanent. As its name implies, term life insurance pays a death benefit if you pass away within a specified time peri od (typically a term of one to 20 years). In contrast, permanent life insurance includes both a death ben efit and the ability to build up cash value over your entire lifetime. In general, term life insurance is less expensive than permanent life. Understand the major factors that can affect life insurance premiums. Some are uncontrollable, like the age at which one purchases a policy or a serious pre existing medical condition, like cancer or heart dis kids’ future. Remember, you are setting the example for future generations of husbands, wives and par ents. ■ Consider making tough decisions that will allow you more freedom to spend time with your family Turn down the promotion, decline the job that requires extensive travel or 60-hour weeks and accept the one that requires 40, look into a new line of work altogether. II Reset your financial expectations. You can’t take it with you, so why spend so much time seeking to get it? ease. Other factors are much more dependent on an indi vidual’s behavior, like poor health habits (like smok ing and excessive drinking), driving record, engaging in dangerous hobbies (such as sky diving, car racing or rock climbing) and even where you live. According to the NAIC, young singles who want to be sure'that they can get life insurance later in their lives when they may devel op health problems should consider purchasing term life insurance that is guar anteed to be renewable. Young families, mean while, should consider pur chasing life insurance for both spouses to help pay for childcare and other domes tic services. At this life stage, term insurance may be the most cost effective. Some parents purchase small life insurance policies for their newborns to guarantee that they’ll have some insurance if they develop health prob lems. For their part, established families should consider the probable costs of their children’s college education when determining how See LIFE, page 6A What if you downsized your home or car, your standard of living? You may find that one spouse can stop work ing and carry more of the load of family management, thereby leaving the whole family less encumbered with busy-ness. Take your pick; select a few or all of the items on the lists to show your spouse and your kids how impor tant they are to you. For some of the actions it takes commitment and rare cour age; for others, just going a little out of your way can mean so much. . gpp ■. %*■ 4gk Mary Krissmas April 5, 2006 Mr. & Mrs. Nicholas Krissmas 5A 40705