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Page 2C, The Lee County Ledger, Wednesday, June 25, 2008
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Avoid Money Mishaps
When Children Move
Back Into the Nest
INDEPENDENCE DAY
ACROSS
1. Mistake in print
5. CSI network
8. Helps with digestion
12. *Cannon's sound
13. Italian money
14. Praise
15. Stare amorously
16. Bird, Latin
17. Choose by a vote
18. *"Independence Day"
star
20. Pompous or pretentious
talk
21. Circus walking stick
22. Past tense of "is"
23. What bullies do
26. *Between "life" and
pursuit of "happiness"
30. U.N. labor agency
31. Having a sleeve with
slanted seams from armhole
to neck
34. Cellist Ma
35. Gold coating, pi.
37. Fled
38. Cover with wig
39. '02 Winter Olympics
state
40. Fruit dipped in hot sauce
42. Tropical American
cuckoo
43. Fashionable men's wig of
17th and 18th centuries
45. Vernaculars
47. Tyrannosaurus
48. Loathe
50. Against, prefix
52. *Sign of the 4th
56. Expression of contempt
57. Drug abuser
58. An affirmative response
59. Weak- in the leg
60. A late time of life, pi.
61. North Atlantic organiza
tion
62. Knitter's ball
63. Bruce or Spike
64. *Washington chopped it
down
DOWN
1. Think or believe, archaic
2. Yankee great Berra
3. Mall, London
4. Alternatively
5. Type of war within a
country
6. Recently retired Packers
quarterback
7. Window frame
8. Center of target
Special to the Ledger
By Cathy Elliott
At the age when most
young people are enjoy
ing their final completely
carefree summer, preparing
to go to college or enter the
work force, Joey Logano is
getting ready to race in the
NASCAR Sprint Cup Series.
As certainly as sixth grade
follows fifth, Logano will
be promoted to stock car
racing’s highest level, prob
ably sooner rather than later.
George Bernard Shaw
once famously stated,
“Youth is wasted on the
young.’’ (This, by the way,
is a remark you will never
hear from a young person.
They may not know a good
thing when they see one, but
they have enough sense to
understand that we geezers
are touchy, and to keep their
mouths shut on the subject.)
Although 18-year-old
Logano is legally considered
an adult, I’ll bet most of us
who watched his convinc
ing first-time victory in the
NASCAR Nationwide Series
race at Kentucky Speedway
on June 14 didn’t think of
him that way. Instead, as
we watched him become
the youngest winner in the
series’ history, we thought
or even said out loud, “Good
job, kid.’’
Logano could indeed be
your kid brother, or that kid
you used to baby-sit, or even,
painful as it is to admit, your
own kid. His demeanor after
the win can only be de
scribed as youthful exuber
ance.
It was infectious. I confess
that I actually clapped my
hands as Logano made his
way to Victory Lane on tires
shredded from an enthusias
tic burnout.
I just watched him out
there. He was having a blast.
9. Lightbulb over head?
10. Ness, Nessie's
home
11. Right coast time
13. Thin plate or layer, espe
dally of bone
14. Shish
19. *They're spangled on
banner
22. *What the colonists did
in the Revolutionary War
23. " some dirt on
him!"
24. Last 8 in college basket
ball
I briefly considered heav
ing myself off the sofa to
do a little victory dance in
honor of his truly impressive
achievement, but one, I’m
saving that for Brian Vick
ers’ next NASCAR Sprint
Cup win (it’ll happen), and
two, it was too much trouble.
My knees aren’t what they
used to be.
After his long-awaited and
highly anticipated first win
as a member of the Hendrick
Motorsports team, at Michi
gan International Speedway
on Father’s Day, Dale Earn
hardt, Jr. made an interesting
observation. Basically, he re
marked that during a winless
streak which lasted longer
than two years, the thrill of
victory had been relegated to
the ranks of distant memory
for everyone concerned, his
team members as well as
himself. “I had forgotten that
joy he said.
Joy. Wow. That isn’t a
word you hear very often,
because it is something we
rarely experience as the
years begin to creep up. Joy
is something more than hap
piness or contentment. It’s a
feeling better than that, an
emotion more pure. Adults
are sometimes satisfied, but
kids are often joyful.
Something about NAS
CAR brings out the kid in
us, that no-holds-barred,
anything-can-happen
outlook that we lose as
the inevitable realities and
restrictions of adult life take
their toll.
It’s the feeling we had
when we rode our bikes
downhill as fast as we could
go, with no hands and no
fear. It’s the curiosity that
caused us to kick a ball as
hard as we could just to see
how far it would fly, without
worrying about the associ
ated aggravation of chasing
25. One of twelve in mouth
26. *0'er the
27. Eurasian tree with or
ange-red fruit
28. Binding
29. Bear and Berra
32. Rum cut with water
33. Computer network
36. *Number of colonies in
1776
38. First floor in relation to
second floor
40. Something craved
41. Guides to your seat
44. " Science"
after it. That would come
later, so why worry about it
now?
It’s that thing we used to
have all the time, and com
pletely took for granted. If
memory serves, I believe we
called it “fun’’.
The other day the kids
across the street were en
gaged in a heated game of
“Red Rover’’ in their front
yard. I didn’t know the kids
of the new millennium had
even heard of Red Rover, but
apparently no video game
version has been released
yet so they have to do it the
old-fashioned way.
I just watched them out
there. They were having a
blast.
In Red Rover, players form
two lines. They face one
another with hands linked,
forming a human chain. One
team sizes up the other in
an attempt to single out who
they perceive as the weakest,
then the challenge is issued:
“Red Rover, Red Rover, send
(the name goes here, but in
my experience “Cathy’’ was
usually the first victim) right
over.’’
The summonee examines
46. Different spelling for
"aroint"
48. Theater passage
49. Rummer Godden's "In
This House of "
50. Tolstoy's heroine Kar
enina
51. Contraction of not ever
52. Energy drink
53. Back of military forma
tion
54. Actress Hudson
55. Sneaker or pump
56. *Fireworks are seen here
the opposition closely, look
ing for the weakest link,
the most likely spot for a
possible break in the action,
then charges straight for it.
Sometimes the competitor
breaks through, and some
times he is denied and must
wait for another game and a
fresh opportunity.
Doesn’t that sound an
awful lot like a race? Slower
cars starting from the back
of the field survey their situ
ations carefully, watching
for a wobble here or a waver
there which will allow them
to pick competitors off one-
by-one en route to the front.
To be ultimately successful
- to win the race - requires
patience and strength, strat
egy and skill.
When you really start to
think about it, many of our
childhood pursuits are ap
plicable in NASCAR. Take
“Red Light, Green Light’’,
for example, where you race
as fast as you can toward
the goal until something
happens to freeze the field in
See NASCAR,
Page 7A
Special to the Ledger
It’s graduation time, and
many college graduates are
returning to live at home
for the first time in several
years. Once upon a time,
many of these graduates
quickly moved on to their
own digs, but today that
trend is changing. Because
of an uncertain economy,
many young adults have
decided to spend a few years
living with Mom and Dad
until they have a stronger
financial foundation. Oth
ers are seeking a way to
minimize living expenses
while they pay off hefty
student loans, attend gradu
ate school or save for a down
payment on a home.
The prospect of living with
an adult child may fill par
ents with delight or dread.
In either case, the Georgia
Society of CPAs advises that
it’s important to be aware of
the financial challenges that
parents will face in this situ
ation. Families that address
these issues beforehand have
a better chance of preserving
harmony.
TALK IT OVER
Families may have a lot of
unspoken questions about
how the new living arrange
ments will work, so it’s
best to discuss everyone’s
expectations in advance. For
example, will the child be
expected to pay rent? How
much will he or she chip
in for groceries and other
expenses? If your child’s
initial income is very low,
you could consider charging
them a token percentage of
that income or asking them
to take on certain house
hold responsibilities, such
as shopping or yard work.
That’s a realistic way for
your child to make a contri
bution despite their limited
funds.
You’ll probably have other
issues to consider beyond
the economic ones. What
chores will the child be re
sponsible for? Can the child
stay indefinitely or is there
a time limit to the arrange
ment? Parents should discuss
these and other questions
with their children before
they move in. You might
even consider writing up
an informal agreement that
covers all of these details so
there are no misunderstand
ings later.
INSURANCE ISSUES
Remember to consider
both health and auto insur
ance issues for your child
when he or she moves in.
For example, your child will
likely be too old to be cov
ered under your own family
health insurance plan. If
he or she does not receive
health insurance through an
employer, it’s important to
find the best plan for him or
her—and decide who will
pay the premiums. In addi
tion, if your adult child will
be driving your family car,
your car insurance payments
will probably go up. Find
out what the increase will
be and decide how that cost
will be paid.
TARGET YOUR SUP
PORT WISELY
Beyond providing a place
to live, should parents offer
their adult children financial
support during this transition
time in their lives? If you
are able to help your child
financially, the best idea is
to agree to pay for items that
represent an investment in
their future. That means that
helping them buy books for
graduate school is a good
investment, but paying for an
expensive new car may not
be. Subsidizing an apartment
in a safe neighborhood is a
good idea, but financing a
Caribbean vacation is not.
Parents want to help their
children as much as pos
sible, but the most valuable
assistance will enable them
to stand on their own feet
financially.
CONSULT YOUR CPA
It’s certainly possible to
live harmoniously with your
adult children, but you may
have questions about manag
ing the financial aspects.
Your local CPA can help
you understand and address
these and other financial
concerns facing your family.
The GSCPA is the premier
professional organization for
CPAs in the state of Geor
gia. With over 11,000 mem
bers throughout the state,
the purpose of the GSCPA
is to promote the study of
accountancy and applicable
laws, provide continuing
professional education,
maintain high ethical and
work standards, and provide
information about account
ing issues to the membership
and the public.
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Flowers and Happy Birthday
Stacy Golden
Compliments of
Leesburg Flower and Gift
Walnut Street Leesburg, Georgia
Phone 759-6917
Flowers may be picked up at Leesburg Flower and Gift
Wishes a Happy Birthday:
June 26: Ashley Taylor, Sonja Strickland, William L. Gilchrist
, Addison Cheatham, John A. Galbert Jr„ Marica Fleming, Brad
Rutherford, Tim Moore, Penny Knight, Erica Haas, Sue Martin,
Michael Retzel, Misty Bruce, Robert Thrower , Gerald McDaniel;
June 27: JoAnn Freeman, Kelsey Mays, David Cravey, Earl Conley,
Jim Lovelace, Carl Everett, Lois Devane, Nicholas Moore, Mallory
Musgrove, Gayle Monroe, Justin Moye, Connie Fleming, Buddy
Paul, Linda Muliford, Zach Jennelle, David Brock, Tyler Coffee,
Susan Odom, Amanda R. Anglin, Sandra Lamb; June 28: Rachel
Ackler, Stacy Golden, Candace Shirley, Amber Laine Hatcher, Kin
sey Burris, Eloise Lashonda Hayslip, Rodger Wagoner, Leigh Wiley,
Mickie Bateman, Leila Mann, Winston Bass, Stephen Terebecki,
Walt Knox, Lesa Gardner; June 29: Janet Slappey, Nila Thompson,
Ann Cravey, John King, Kayla Winters, Katie Temples, Hannah
Kleckley, Ray T. Tumlin, Dennis Roland, Chris McRee, Melodye
Jane Vinent, Marc Skalla, Phil Roberson, Candy Roberson, Gwen
Owen, Bessie Bell Cochran, Jamie Moody, Patty Childre, Kyle
Luckie, Ethel M. Watkins, Jennifer Irvin, Casey Styck, Elizabeth D.
Fallin, Micky Griffith, Scott Layfield, Casey Carter, Betty Mus
grove; June 30: Cany C. Stastny, Jeff Hall, Kyle Soto, Kimberly
Cleesattle, Scott Duncan, Gail Hudgens, Kelly Cowart, Tom Wil
liams , Margie Wells, Leslie Harper, Laverne Futch; July 1: Dylan
Tate, Tony Mauldin, Robert Wynegar , Zackery Dearing, Sher
man Kennedy, George Stone, Rose Hanna, Thomas Jackson, Gabe
Barbosa, Tabitha Korona, Lacey Arrington, Pam Young, Eddie
Lisenby, Linda Back, Arlie Potts, Anna E. Joiner, Diane Owens;
July 2: Cynthia McCavitt, Judy Chapman, Lauren Lindsey, Tony C.
Taylor, Barbara Holton, Evelyn Harris, Mary Ann Bartlett, Mildred
Green, Lisa Medley, Jake Moye, Freddy Brown
Wishes a Happy Anniversary:
June 26: Mr. and Mrs. T.W. Burt, Mr. and Mrs. Gene Knight; June
27: Mr. and Mrs. Joel Helm, Mr. and Mrs. Jay Dukes, Mr. and Mrs.
Warren Akers, Mr. and Mrs. Dennis Gay, Mr and Mrs. Donnie
Harris, Mr and Mrs. James Pelham, Mr and Mrs. Rob Cleek, Mr
and Mrs. Fera Cloud, Mr and Mrs. Rex Price, Mr and Mrs. Calvin
Locket, Mr and Mrs. David Jones, Mr and Mrs. Thomas Edwards;
June 28: Mr and Mrs. Willie Carter Mr. and Mrs. Earl Conley,
Mr and Mrs. Carl Everett, Mr and Mrs. Dan Harris, Mr and Mrs.
Ferrell Henry, June 29: Mr and Mrs. Steve Cheathams, Mr and
Mrs. Randy Carlton, Mr and Mrs. Denver White; June 30: Mr and
Mrs. Charlie Wyatt, Mr and Mrs. Jack Futch, Mr and Mrs. Jeff
Moye, Mr and Mrs. Tom Shelnutt, Mr and Mrs. W. Royce Johnson,
Jr, Mr and Mrs. Eddie Watson, Mr and Mrs. Jerry Cox; July 1:
Mr and Mrs. Charles McBurnett, Mr and Mrs. Jim Griffin, Mr. and
Mrs. Eric Lane, Mr and Mrs. Larry Breeden, Mr and Mrs. John
Heath, Mr and Mrs. Henry Leonard Casey, Jr; July 2: Mr and
Mrs. Larry Watson, Mr and Mrs. Andy Gubitti, Mr and Mrs. Jim
Owens, Mr and Mrs. William Gore, Mr and Mrs. Mike Collins
On NASCAR: At Its Core,
Racing’s Just a Game