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STOCK MARKET UPDATE
market in brief stocks of local interest
At the close ot Sign Stock Last Change
April 23, 2004 ATG AGL Resources 28.20 -0.18
BLS BellSouth Corp. 26.33 +0.13
DOW +11.64 DELL Dell Computer 35.94 +0.52
DAL Delta Air Lines 6.80 -0.20
F Ford Motor Company 15.70 -0.07
mlvTsi GP Georgia Pacific 37.65 +0.61
’ ‘ GM General Motors 49.18 +0.34
HD Home Depot 36.49 +0.14
INTC Intel Corp. 27.55 +1.02
KO Coca-Cola Company 51.05 -0.41
MCD McDonalds Corp. 27.34 -0.06
S&PSOO +15.84 MSEI Micros °ft 27.54 +1.59
PEP Pepsico Inc. 54.95 +0.06
RF Regions Financial 35.75 +O.OB
Volume: SFA Scientific Atlanta 35.96 +2.41
1.139.93 SGMS Scientific Games 20.11 -0.56
SO Southern Company 29.23 +0.03
T AT&T 18.34 +0.31
TSN Tyson Foods 19.10 -0.10
UPS United Parcel Service 71.80 -0.14
kiAonxA WB Wachovia Corp. 45.94 +0.02
NASDAQ ,16.90 WMT Wal-Man Stows Inc. 58.97 *1.37
t Volume: John M. Weaver
2.049.80 Senior Vice President, Investment Officer
Wachovia
(678)455-0016 SECURITIES
Tips for buying the best
long-term care policy
When buying a long-term
care insurance policy, most con
sumers concentrate on the basic
features of the policy such as
the dollar amount of the daily
benefits, the length of coverage
and what circumstances trigger
the policy’s benefits. But newer
LTC policies offer features and
options consumers frequently
overlook, that can be very bene
ficial to the insured:
• Survivorship benefits.
This is an attractive feature for
couples who buy individual
policies from the same insurer.
When one spouse dies, the
company waives the remaining
premiums on the surviving
spouse's policy. For this to go
into effect, the insurer generally
requires that both policies have
been in force for several years
(typically seven to ten years).
(FPA material ]and some poli
cies require that no benefits
have been paid to either spouse
during that period.
• Shared benefits. Couples
who buy policies with benefits
for a limited number of years,
such as two or five, versus life
time benefits, might find this
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BUSINESS & INDUSTRY
feature attractive. This comes in
three forms. One type allows
people who exhaust their bene
fits to dip into their partner’s
policy benefits. Another version
creates a third pool of benefits
that either partner can dip into.
A third form is to have a single
pool of benefits that both part
ners draw on. The obvious risk
here is that with two of the
types, you could drain the other
partner's benefits. Financial
planners commonly recommend
that consumers buy lifetime
benefits if they can afford it.
• Alternate plan of care.
One reason consumers are
reluctant to buy an LTC policy
when they are younger (say in
their 50s) is the concern that the
policy will become obsolete
and not cover newer forms of
care. For example, adult day
care centers and assisted living
facilities weren’t around years
ago. and older policies still in
force won't cover them. With
the alternate plan-of-care fea
ture. the insured, his or her doc
tor. and the insurance company
will ideally agree on a plan of
care not currently specified
under the policy but which the
company will pay for.
• Accelerated payments. This
allows you to pay up the policy
within a certain period instead of
over the rest of your life by mak
ing accelerated premium pay
ments. Examples include ten-year
pay or payments made until you
turn 65. Accelerated premiums,
which are not allowed in some
states.)Sharon Luker] might run
two to three times more than life
time premiums.
This feature eliminates the
challenge of making payments
when you’re living on limited
retirement income, and it can
provide a tax advantage for
some business owners (espe
cially C corporation owners).
On the other hand, should you
need the policy earlier in your
lifetime than is normal, you've
“overpaid" your premiums.
Disciplined savers also could
bank the extra premium money
they otherwise would have
made, letting it earn interest
and drawing on it for premiums
once you’re retired.
LOOKGOOD... FEELGOOD... GET FIT!
At Dillard's, it’s our job to fit you correctly. Your comfort is our goal.
Our certified professional fitters will check to make sure:
Your bra cups look Your bra does not ride up Your straps don't slip off
very smooth. your back. your shoulders.
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JOIN US FOR BRA FIT WEEK! Meet the Experts: ’
Dillard's in-store fitters are available daily — — l „ .. 1 p.m. -7 p.m.
Kobin (770)410-9020
to accommodate your busy schedule. Jr W Ashwander Wacoal fitter available
Appointments are recommended, but not B* ’ IV | Dillard’s ■ Tuesday. April 27
necessary. Walk-ins will be taken Body Arbor Place
, . , Fashions 10 a.m.-4 p.m.
on a priority basis. c nw . s „| il . f (770) 577-4271
„
Call your local Dillard's store for a 10 a.m.-4 p.m.
convenient appointment time. shtta ,m ml h.n m, ing ’ “
experience. Let her help you find the a.m. - 5 p.m.
right support to enhance your figure. (678) 482-5241
_____ Wacoal fitter available
> •11 1 • 11 am ’ 5 pm
■< 11 ■ Friday ’ April 30
■1 I Inr I Mall at Stonecrest
11 Irl I VI O 10a.m. -4p.m.
(770) 666.0000
USE YOUR DILIARD'S CHARGE. WE ALSO WELCOME VISA, MASTERCARD, AMERICAN EXPRESS, DINER’S CLUB & DISCOVER CARD.
North Point Mall in Alpharetta, (770)410-9020 • Mall of Georgia, (678)482-5241 • Mon.-Sat. 10-9, Sun. 12-6.
Publix pies may contain undeclared dairy
ATLANTA Publix
Ready to Serve Dutch Apple
Pie with the wrong label on the
bottom could contain unde
clared dairy ingredients, says
Georgia Commissioner of
Agriculture Tommy Irvin.
Publix Super Markets Inc.
of Lakeland, Florida, has
recalled the mislabeled pies.
INGRAM'S
To our many friends in Forsyth County,
We are pleased to announce that Jack W. Allen has
joined the Ingram Funeral Home family as owner and manager.
Jack, who has spent his entire career in funeral service,
will carry on the tradition of providing caring service to our com
munity at a time of need.
We’re not going anywhere and the same familiar staff will
continue to be here to serve you. If you come by, you’ll see
George, Robert, Dennis and the entire staff who are known to
the families who have trusted Ingram’s for many years. Familiar
friends like Midge Webb, who has been with us for 25 years, will
be here when you call.
We will be here to assist families in planning funeral
services that are in keeping with your family’s wishes.
We decided long ago that we would not sell our funeral
home to a large conglomerate that could not provide our same
level of caring, compassionate service.
Today, we have taken a step that ensures that those we
have served for generations and in recent years will find no
changes when they come through the door of Ingram Funeral
Home.
And one more thing, the name won’t change. Ingram
Funeral Home has been here since 1928 and will be here for
years to come.
We invite you to come by and meet Jack Allen, we know
that you’ll find him to be a new friend in our community, just like
we did.
Thank you for allowing us to be Forsyth County’s leading
funeral home. We will continue to provide the level of service
that has earned us that reputation.
George and Robert Ingram
210 Ingram Avenue
Cumming
770-887-2388
FORSYTH COUNTY NEWS Sunday, April 25,2004
Commissioner Irvin asked
Georgia consumers who had
purchased the pies recently to
check their packages.
"If it is labeled Dutch
Apple Pie on the top of the
clear clam shell container and
Publix Ready to Serve
Strawberry Rhubarb on the
bottom, then it should be
PAGE 3A
returned," Irvin said.
The mislabeling resulted in
incorrect information regarding
ingredients and nutrition,
including the dairy information.
The product affected carried the
top label "Publix Bakery Ready
To Serve 8-inch Dutch Apple
Pie, Net WT. 28 OZ (ILB 12
OZ) 794 g".