The Lee County ledger. (Leesburg, Ga.) 1978-current, January 25, 2006, Image 6

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The Lee County ledger., January 25, 2006, Image 6

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Newspaper Page TextPage 6A, The Lee County Ledger, Wednesday, January 25, 2006 Lee County Elementary School First Semester Awards Special to the Ledger Superintendent Scholars 3rd grade: Tyler Wilkerson, Skylar Wilson, Sydney Frey, Marie Luz, Austin Sheltra, Leanne Butts, John Markham, Niki Phung, Mason Dominey, Marylen Kennedy, Bridgette O’Neal, Austin Cain, Sarah Jackson, Maria Rodriguez, Lathon Whitley. 5th grade: Meagan Frank lin, Holly Ebbets, Laine Ellington. Principal Scholars 3rd grade: Morgan Ethridg es, Matthew Perrine, Jahnae Rosegreen, Bryson Schulz, Nicole Smith, Dara Thigpen, Joseph Crooke, Seth Harris, Brandon Lisenby, Amanda Miller, Johnathon Murphy, Heather Pritchett, Quadashia Reddick, Ashleigh Rowland, Brooklyn Zahacy, Alexus Osteen, Lexi Anthony, Ivy Booker, Mallory Davis, Katie Belle Durham, Kate Elling ton, Matthew Hatcher, Dante Jones, Dayne Leininger, Bran don Lockett, Jordan Seymore, Jacob Snyder, Abbi Young blood, Blaine Bosco, An thony LaParry, Kevin Lyon, Amber Pollock, Wayne Glore, Nyiema Hawkins, Hollie Wil liams, Jamila Axson, Conner Collins, Robbie Feagans, Kay- lee Hatcher, Megan McDon ald, Amber Olson, Meghan Singleton, Walker Sizemore, Chelsea Taylor, Katie Banis ter, Asia Brown, Becki Cher ry, Caroline Daniel, Jordan Lee, Daryl Moore, Mellanie Moore, Colton Sellars, Jesscia Taylor, Gavin Walker, Austin Braswell, Meredyth Glass, Zane Harrell, Owen Phelps, Cameron Williams, Nicklaus Bush, Nicholas Clay, Ishani Madhav, Logan Moody, Jake Mosby, Emily Perry, Amber Price, Hunter Shattles, Shaily Upadhyay, Courtney Yar brough. 4th grade: Lindsey Wil liford, Gail Burrows, Jarrod Crum, Raegan Lentz, Hannah Littleton, Jason Riggle, Zac Crew, Colleen Gleaton, Haley Melvin, Fay Ellen Moore, Nicholas Novak, Katrina Beck, Tori Cockrell, Car men Conrad, Gloriana Cruz, Katherine McConnell, Noah Rolling, Reid Wright, Jason Loubier, Catherine Crist, Erika Luz, Kyle Edmunds, Emily Ponson. 5th grade: William Mil ligan, Emily Peters, Allie Waldron, Sydney Bush, Han nah Rivers, Alan Un, Parks Flowers, Casey Millhof, Drew Weiner, Anna Roberts, Sarah Bridges, Hunter Barfield, Catherine McCarty, Sarah Sheffield, Ashley Archer, Holly Daniell, Elizabeth Ponson, Tibor Gyorfi, Taylor Hutcheson, Taylor Spriggs, Kalyn Warren, John Downs, Chasity Palmer. Honor Roll 3rd grade: Manuel Chavar ria, Aliyah Coles, Paul Harris, Anna Bridges, Macy Ford, Ethan Hopkins, Ashley Mor ris, Austin Rouse, Rachel Col lins, Dalton Fincher, Devon Herndon, Logan Hodges, Nick Patel, Autumn Bell, Artie Gardner, Raelyn Paul, Kayla Averett, Ryan Bur rows, Bryan Conway, Grant Freeman, Dylan Griffin, Alex Hatmaker, John Jones, Collier King, Dean Tompkins, Tanner Grove, Nick Smith, Conor Walsh, Chase Williams, Kory Banks, Solomon Hood, Scott Wills, Lamar Wynn, Ian Benson, Daniel Eckard, Jake Edmondson, Tiffany Jones, Kera Phillips, Kristen Taylor, Jade Young, Ragan Head, Michael Langston. 4th grade: Hunter Milner, Austin Morey, Andre Ross, Wadon Senn, Samantha Tay lor, Courtney Beck, Erin Cal- SOUTH GEORGIA POWER WASHERS, INC. ‘Specializing in Low Pressure Roof Cleaning’ Vinyl & Wood Siding • Brick • Stone Stucco • Concrete • Etc. Cedar & Log Homes • Wood Decks & Fences Lincensed and Insured • All Maior Credit Cards Accepted (229)883-9007 • Toll Free (866)457-WASH Fax (229)883-9045 sogapowerwashers@netscape.com PLUMBING CHELSEA’S Richard Sizemore ■ft "The Pipe Doctor" chelseasplumbing@bellsouth.net Liscensed and Insured 436-8241 Master Plumber 10 Years Hjdreams GAITof —PASO FINO FARM Located in North Lee County Riding Lessons - Child & Adult • Limited Boarding Spaces Birthday Parties 229-874-4873 Cell 347-0385 Bishop Clean Care, Inc. ^34 Cedric Street Leesburg, ©M 31763 It’s that TIME again...We hope you and your family had a Happy New Year....From Our Family to Yours during this holiday season! 15% Off all Carpet Cleaning in January So don't let TIME run out on you! Call Us For All You Cleaning Needs! 234 Cedric Street FREE Bill Pay Paying bills online is a breeze! Try it, and you’ll enjoy... More time. Save hours each month by scheduling future and recurring pay ments automatically. More control. Control when you want each pay ment to be made. It’s au tomatic, and it’s fast! More peace of mind. Each properly scheduled payment is guaranteed. No more late fees! Regional Federal Credit Union In order to use electronic Bill Pay, you must have a DOCO Regional FCU checking account and a DOCO Online Banking account. DOCO offers free checking with no minimum balance re quirement, and free Online Banking. For more information or to start using Bill Pay, contact us today at: (229) 420-8200 (800) 227-9180 www.docofcu.com Albany: 107 N. Westover Boulevard 2101 Rosebrier Avenue Americus: 602 Tripp Street Tifton: 1004 Love Avenue NCUA laway, Rachel Holden, Alexis Lopez, Michael Mitchell, Rachel Pipkins, Tyler Smith, Jarrett Willingham, Brandon Bothwell, Hope Lawson, Matthew Mitchell, Akin Ojemakinde, Victoria Par rish, Jordan Revalee, Blake Trumbo, Madison Daughtry, Kayla O’Neal, Tayler Olsen, Savannah Strickland, Kyra Waldron, Arthur Willoughby, Alyssa Young, Brennan Cole man, Griffin Dennison, Brit tany Heath, Kajah Hudson, Layla Loosier, Alexis Rogers, Branden Watford, Wesley Wright, Corey Young, Kaitlyn Grasman, Tierra Wright- Reeves, Jordan Thompson, Jaime Tucker, Savannah War ren, Sydney Wright, Jonathan Bass, Brittani Brock, Kearson Burt, Kyle Chastain, Tyler Geoffrey, Tyler Marshall, Courtney Ostrus, Katelyn Owens, Gabby Sigmon, Sa vanna Wingate, T.J.Roberts, Hunter Pinkston, Chambliss Goodson, Ryan Head, Nicho las Brady, Tara Thrower, Jus tin Reynolds, Jordan Duren, Chad Reynolds, Kylie Cotton, Drew Davis, Emilie Edwards, Kyle Gill, Jenny Holloway, Kelsey King, Jerry Owens, J.J. Rivers, Kirsten Tucker. 5th grade: Robert Hatcher, Brett Mitchell, Zach Ward, Suzanne Wynn, Dillon Douglas, Daniel Rincon, Carson Speir, Tamara Waters, Kathryn White, Zack Sander son, Tessa Loubier, Matthew Pavlik, Kristen Runyon, Con nor Ashberry, Erin Shattles, James Moree, Brittany Cone, Samantha Wallace, Blake Brouwer, Wesley Griner, Steven Holden, Tiffani Miller, Collin Morris, Ashlinn Wat ford, Michael Amato, Haley Hancock, Casey Hightower, Maria Jaime, Chad Moore, Erin Benson, Colton Groves, Kaitlyn Mosely, Jake Yost, McClain Broadaway, Taylor Corley, Trey Davis, Brandon Erickson, Brantley Kennedy, Ashley Rhodes. Photo by Derryl Quinn LCMS Sixth Grade Students Of The Week Lee County Middle School Sixth Grade Students of the Week for the week of January 9-13 pictured on the front row are Olivia Boyd, Melanie Rackley and Michelle Trvong. Pictured on the back row are Ashley Waller and Lizzie Doyle. SBAExpress Streamlines Process for Smaller Loans By Terri L. Denison SBA Georgia District Director The U.S. Small Business Ad ministration’s popular 7(a) Loan Guaranty Program guarantees loans of up to $2 million. Many small businesses, however, need much less than that for most of business purposes, so the SBA has developed a program spe cifically to make smaller loans more easily available. The program, SBAExpress loan, has a maximum loan size of $350,000, more than double the average size SBA loan, with a streamlined process that usually results in a completed process within 36 hours. The program is so popular that so far this year, SBAExpress loans make up more than 60 percent of all SBA-guaranteed loans. The streamlined process, one of the many advantages of the SBAExpress loan for both lenders and borrowers, is made possible by the agreements with qualified lenders authoriz ing them to make eligibility determinations without direct SBA involvement. The program allows lenders to apply for 7(a) loans using their own forms and processes instead of the SBA’s official paperwork. In exchange for that authorization, the SBA guaranty percentage is reduced from the more typical 75 percent of the loan amount to 50 percent. Adding to the popularity of the SBAExpress is the fact that lenders are not required to take collateral for loans under $25,000, and may use their own collateral policy on loans over $25,000 and up to $150,000. For larger loans, SBA’s general collateral policy applies. SBAExpress loans follow the 7(a) loan program rules on use of proceeds; accordingly, they may be used for a variety of pur poses, but there are also some restrictions. The loans can be used: • To purchase land or build ings, cover new construction as well as expansion or conversion of existing facilities; • To acquire equipment, machinery, furniture, fixtures, supplies, or materials; • For long term working capital including the payment of accounts payable and/or the purchase of inventory; • To refinance existing business indebtedness which is not al ready structured with reasonable terms and conditions; • For short-term working capital needs including: seasonal financing, contract performance, construction financing, export production, and financing against existing inventory and receivable under special conditions; or • To purchase an existing busi ness. Loans cannot be used to refinance existing debt where the lender is in a position to sustain a loss and SBA would take over that loss through refinancing, or to effect a partial change of business ownership or a change that will not benefit the business. In addition, these loans can’t be used to reimburse funds owed to any owner. This includes any equity injection, or injection of capital for the purposes of the businesses continuance until the loan supported by SBA is disbursed. They also cannot be used for any “non-sound” busi ness purpose. Interest rates on SBAExpress loans are tied to the prime rate (as published in the Wall Street Journal) and may be fixed or variable. Lenders and borrowers can negotiate the interest rate, but they may not exceed SBA maximums, which are up to 6.5 percent over prime rate for loans of $50,000 or less, and up to 4.5 percent over the prime rate for loans over $50,000. SBAExpress allows revolv ing loans up to 7 years with maturity extensions permitted at the outset. For more information on the SBAExpress and other SBA programs, visit www.sba.gov. LCMS Eighth Grade Students Of The Week Lee County Middle School Eighth Grade Students of the Week for the week of January 9-13 pictured on the front row are Tyler Freeman and Travis Delaney. Pictured on the back row Rachel McDaniel. Claira Robertson is not pictured.