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Observations
87 ELBERT forester
kHQ Editor, The Dade County Sentind
< It is November! It is harvest time! It is time for
;• Thanksgiving! Once again, as our forefathers did, we cele
:• brate Thanksgiving with a deep appreciation for His gen
•: erosity. But now, as then, we are faced with the necessity
;• of “carrying arms” to protect ourselves from forces of
•; darkness that threaten to smother the light of liberty. Yet,
•: with faith in Him, we are certain that liberty will conquer,
:■ as it did then.
•: We have observed this one day of Thanksgiving ever
•• since the Pilgrim Fathers came to our shore bringing with
:• them a hearty spirit of pioneering that resulted in making
$ America great. They knew nothing but hardship and panic,
S fear and war; they had to struggle for existence, yet, the
£ first harvest brought them together in giving thanks for an
p abundance of food to be shared with their fellow men.
>; They joined in solemn prayer to God for helping them
through the trying, desperate times of starvation and
turmoil. For all of this, these tired, worn but hearty and
$ determined pioneers of the New England colonies, set aside
$ this day to give thanks and since that time-this day of
:•! Thanksgiving has become an American Tradition.
Good luck, good health, good harvest, success in its true
meaning, hard work-all of these things we need-but most
of all we need the guidance of the Giver of All. It is a great
Thanksgiving Day when we are grateful for the many
£ blessings we enjoy-when we are truly grateful for each new
day and all that it brings. Ours is a heritage of struggle, the
struggling which maintains our virility and hardihood.
:•!■ Those stalwart pioneers of yesteryear gaze down upon us in
judgment. Conquerors of a nation, they have handed down
$ to us, not the right to enjoy, but the duty to preserve.
$: Let us have faith—let us give thanks-let us go forward
S with hope and understanding in our hearts. Then only will
S there be a true Thanksgiving.
Jj * * •
Meanwhile-Let’s all be thankful for the things we don’t
have that we didn’t want.
S Bottom Lines-Visitor: Is it expensive to keep your
nephew in college? Rich Old Aunt: Well, language seems to
be most exorbitant. For Algeron’s first month I had to send
X- him SSO for English and SIOO for Latin. That was bad
$; enough, but Scotch came to $250.
$* ♦ ♦
Tis True-The General Election is over, but politics
£ continue and will continue for another 2-4 years. Governors
;< meeting now to try to figure out how the Democrats got
$ sich a-workin’ over.
* * *
X Timely-I think it is the time and the place to pass along
“Grandpaw’s Prayer,” as recorded by Nick Powers:
¥ “Oh Lawd, giv me de wisdom of de owl to understand
$ de Good Book, and de nose of de fox to smell out
$ temptation . . . Lend me de ears of de rabbit, so as I can
•$ hear de devil a slippin’ up. Bestow on me de eyes of de
hawk to see sin a’comin’. Glue my hands to de shovel of
thy work, and oil my lips with kindness so my tongue kin
carry yore word.
K “Let mah thoughts get caught up in the whirlwind of
S yore goodness. Pound my brain with de hammer of yore
$ glory, and strike mah conscience wid de lightin’ of yore
powder. Flood my mind wid de kerosene of thy light.
S ’Noint mah body wid de gasoline of thy salvation, and wid
$ de match of love ... Sot me on fire.” Amen.
g Dependable-Speaking of answers, a man answered his
•X phone, listened a moment and then told the caller he had
the wrong number.
“Are you sure I have the wrong number?” asked the
¥ fellow on the other end of the line.
$ “Have I ever lied to you before?” the man replied. (Leo
S Aikman, The Atlanta Constitution.)
$* * *
X I’d Beware-Knowin’ what I know, and I was a deer, I’d
:•$ come no closer to the Chattooga County line than 100
miles. As pictured in The Summerville News, during the last
$ few days, the elusive critters have been outwitted by Doug
Reece, Lyerly; Tim Bowman, Rt. 1, Summerville; Richard
Treadway and Riley Lee Treadway .. . Yeah, and you
Veterans over there who recognize the 11th hour, 11th day,
11th month, I’m on your side. Senior Citizens, I’m on your
8 side, too.
®* • *
The Same-Goes to the Vets at Ringgold and LaFayette.
S Sorry 1 couldn’t attend the music contest at Ringgold. I’ll
£ have you know that the author of this column is not only a
¥: violinist, but a fiddler as well. How about that? (I wish it
was so we could all do that—ah shucks!)
S' * * *
£ Ann Lamb The Catoosa County News, says: “If you
¥ want to be a success in life, learn to lay a firm foundation
£ with the bricks that people throw at you.” (Agree.)
I Like This-“ Stop worrying about what your neighbor
X does and you might be able to take better care of yourself.”
:$ (Walker County Messenger)
<• * • •
Cuz. Charlie-Put it on the wind that I’m indeed grateful
S for the cordial invitation extended me by J. M. Roberson,
Jr., K. Lamar Thomas, Mary Anne Bailey, Virginia Ezell,
S Sharon Cunningham, Harriett Shattuck, Doris Whitlock and
S Sherron Steele. Mighty neighborly of ye, see.
S* * •
’Tis True-ls the safety pin had been invented today
§ instead of long ago, it would have six moving parts, two
s transistors, and require a serviceman.
S• • *
Uncle Ed Says: Everything you’ve already seen ought
S to teach you to trust the Lord for everything you haven’t
» seen ... PA DAVE vows: Make money your master and
S you'll soon be its servant. Right! . . . ADCOX ADDS: If
you want to save face ... keep the lower part of it closed.
Be Seein' Ye With this thought: Some folks seem to live
» without working .. Others work without living
g .. . HAPPY THANKSGIVING, EVERYBODY!
No-Fault Insurance: Is It a Bugaboo or Cure-All?
(EDITOR'S NOTE: Tew
subjects which have come on
the scene in the past decade or
so have provoked as much con
troversy or confusion as the
concept of “no-fault in
surance." Due to the large
number of requests for infor
mation about this subject, we
are bringing our readers a series
of articles explaining some of
the ideas behind this contro
versial subject. This third
article of the series is based on
information supplied by
Robert C. Bock, executive di
rector of the Georgia Asso
ciation of Independent In
surance Agents, and the report
is printed in the first person./
I think it would be useful to
clarify that “no-fault in
surance” is a catch-all phrase
which is as specifically de-
scriptive as “a car.” There are
Chevy H’s, Vegas, Pintos,
Comets, Skylarks, Datsuns,
Dusters, ElDorados, etc. They
are all designed to provide
transportation, but there is a
wide variance between their
capabilities, comfort, and cost.
Such is true of no-fault.
I think it fair to assume that
no-fault is an evolution from
the Columbia Plan of the
19 30's and the Keeton-
O’Connell Plan of the 1960’5.
All-or almost all-are designed
to reform the automobile
reparations system.
Our association, and I think
it is fairly accurate to say the
insurance industry, is in essen
tial agreement with the Depart
ment of Transportation studies
and the earlier Keeton O'Con
nell, which showed that in-
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FALL FESTIVAL ROYALTY
An overflow crowd attended the PTA
Fall Festival Friday at Lyerly
Elementary School. A highlight of the
evening was the selection of kings and
queens for the school year. Lenny
Wilson and Angela Cranmore were
selected for the top spots from grades
one through five. Billy Ratliff and
Nixon Proclamation
For Thanksgiving
President Nixon’s Thanks
giving Day proclamation:
“When the first settlers
gathered to offer their thanks
to the God who had protected
them on the edge of a wilder
ness, they established anew on
American shores a Thanks
giving tradition as old as West
ern man himself.
From Moses at the Red Sea
to Jesus preparing to feed the
multitudes the scriptures
summon us to words and deeds
of gratitude, even before divine
blessing- are fully perceived.
From Washington kneeling at
Valley Forge to the prayer of
an astronaut circling the moon,
our own history repeats that
summons and proves its prac
ticality.
Today, in an age of too
much fashionable despair, the
world more than ever needs to
hear America’s perennial
harvest message: “Take heart!
Give thanks! To see clearly
about us is to rejoice; and to
rejoice is to worship the
Father; and to worship Him is
to receive more blessings still.”
At this Thanksgiving time
our country can look back
with special gratitude across
the events of a year which has
brought more progress toward
lasting peace than any other
year for a generation past; and
we can look forward with trust
in divine providence toward
the opportunities which peace
will bring.
Truly our cup runs over
with the bounty of God our
surance benefits were being
paid unequally to persons
injured in automobile acci
dents. In some cases perhaps
many cases injured persons
received no reparation from
the system. In other cases,
persons not injured, or only
slightly injured, reaped benefits
far in excess of their actual
loss
The theory of no-fault is to
do away with the adversary
system to some degree in an
effort to both spread the bene
fits actually paid to the in
jured, and to establish some
equity in these benefits.
As wc see it, there arc essen
tially two types of no-fault in
surance: pure no-fauit insur
ance and modified no-fault
insurance.
Under a pure no-fault insur-
Robin Hughes were runners-up. Dan
Cleveland and Sherry Rowls were
selected as king and queen for grades
six through eight. Runners-up werq
Robert Noles and Margaret Cook. The
PTA expressed thanks to all who partic
ipated in the event.
lives, our liberties, and our
loved ones; our worldly goods
and our spiritual heritage; the
beauty of our land, the breadth
of our horizons, and the
promise of peace that crowns it
all. For all of this, let us now
humbly give thanks.
I call upon all Americans to
assemble in homes and places
of worship on this day, to join
in offering gratitude for the
countless blessings our people
Hawkins Is Named
To AL Committee
A member of American
Legion Post 129 has been se
lected by national headquarters
to serve on one of its top com
mittees.
Ira T (Crook) Hawkins was
recently confirmed by the
National Executive Council of
The American Legion as a
general member of its National
Security Council. His term will
run until the close of the 1973
fall meeting of the executive
committee.
The letter confirming the
appointment was received from
The American Legion's
national commander, Joe L.
Matthews.
The primary function of the
National Security Council is to
“propogatc an interest in-and
ance system, everyone is com
pensated for all his losses re
sulting from a traffic accident
by the company from which he
purchases his own liability in
surance policy, regardless of
who is at fault, up to the limits
of his own policy.
Under a pure no-fault insur
ance system, no one would
ever have the right to sue to
collect damages caused by
someone else.
A modified no-fault insur
ance plan is based on the pure
no-fault concept. However, a
modified no-fault plan usually
permits payments for losses
resulting from a traffic
accident, regardless of fault,
only up to a certain limit.
Beyond that limit, the inno
cent party in an accident can
sue to collect damages from
Second Front
- - ■
enjoy, and to embrace tne
elderly and less fortunate as
special celebrants in the day’s
event, loving them as we have
been loved.
In witness whereof, 1 have
hereunto set my hand this
seventeenth day of November,
in the Year of our Lord nine
teen hundred seventy-two, and
of the independence of the
United States of America the
one hundred ninety-seventh.”
a furtherance of-the principles
of our national security pro
gram” as advocated by The
American Legion and to serve
as a “medium of disseminating
an understanding of these prin
ciples" throughout the nation.
In his letter to Hawkins, the
national commander said, “I
count on your help in the year
ahead to give real meaning to
our theme, “Reach Out In
Service for America.” We
should attempt to carry out
our Legion programs with the
thought that we have a re
sponsibility to our organization
and to the future of our great
country. Also, remember our
resolve to make The American
Legion a positive and forceful
pro-American spokes-
the person causing the acci
dent
Our association has pro
posed a modified no-fault plan
to the no-fault insurance study
committee of the Georgia
Genetai Assembly.
Wc have done so because we
believe it will eliminate most of
the inequities and the ineffi
ciencies in our present auto
mobile reparations system
without increasing the cost of
the system which, if in
creased, would be reflected in
the insurance premiums paid
by all drivers
Please note that we do not
suggest that a system that pays
more benefits to more people,
and adjusts the inequities, will
necessarily result in a savir^S
on overall insurance costs.
For example, the State of
Tollway Study
Now Finished;
No Final Plan
Chattooga
Possibly
Included
The State Department of
Transportation (DOT) has
described as misleading pub
lished reports that a proposed
West Georgia Tollway from
Chattanooga to the Florida line
is “feasible."
Emory Parrish, DOT deputy
director, said some persons had
“probably misconstrued” the
report as being a final study
instead of a first draft.
Parrish heavily emphasized
that no firm decision or state
ment can be made concerning
the full feasibility of the
tollway project until the report
from consultants Hensley-
Schmidt, Inc., of Marietta is
“studied, refined, and a final
analysis is made.”
Frank Harscher, tollways
division administrator for the
Department of Transportation,
noted that to say the report
renders the proposed toll way
“feasible” could mislead the
public to think that the project
study is final.
“This is not the case at all,”
Harscher said. “We have re
ceived the report frop our con
sultants and have .scheduled in
termediate work sessions with
them to refine their first draft
into final form. Upon conclu
sion of these sessions, a report
will be made to include basic
findings and recommendations.
We expect it near mid-Decem
ber. Until that time, we can say
nothing conclusive about the
true feasibility of the West
Georgia Tollway project.”
The tollway project was
originally proposed to serve
that portion of the state whose
economic growth and traffic
increase have caused conges
tion in many areas, and which
is not served by an interstate
highway.
No definite information
about possible routes was
forthcoming, but the route
north of Columbus is generally
expected to follow a line from
Interstates 7S and 24 in Chat
tanooga through the areas of
LaFayette, Summerville,
Rome, Cedartown, Rockmart,
and LaGrange.
Harscher pointed out that
his department is “pleased”
that the consulting firm had
submitted the five-month
study “on schedule” and that
further plans concerning the
process are "on time."
The DOT Toll ways Division
will take a week or 10 days to
study the first report and make
revisions, after which time it
will go into a final compilation
for review by a joint session of
the Georgia Highway Board
and the Tollway Authority.
man . ..."
Hawkins also serves as
adjutant of the local American
Legion post and is a past chef
de garc of Voiturc 1229, 40 &
8.
Massachusetts, which has a
form of modified no-fault in
surance has had much press
coverage indicating huge reduc
tions in insurance premiums
The actual fact is that the aver
age automobile insurance
buyer is paying the Mme-if
not slightly higher insurance
rates today than he paid in
1970, before the modified no
fault plan was adopted.
This is a result of the bodily
injury portion of the premium
being reduced, but all of the
other components of the
average person's auto insurance
program have been increased. I
know this must be hard to
believe, in view of all the news
paper reports which indicate
the contrary, but if you have
contacts who are Massachusetts
residents, please give them a
WHAT IS IT?
Can You Identify
Pictured Object?
We thought we had a
picture that would prove diffi
cult, but most of our readers
correctly identified last week’s
Mystery Picture as that of the
hinge on a pair of eyeglasses.
Two readers thought it was a
door lock.
For correctly identifying
last week’s picture, we are
sending a free three-month sub
scription to The Summerville
News to: Mrs. John T. Bryant,
Box 83, Lyerly; Mrs. Evelyn
Taylor, Route 2, Collinsville,
Ala.; and Bron Love, 500
Lyerly Highway, Summerville.
Today’s picture is another
familiar object, one most of
our readers should readily iden
tify. Look it over carefully,
and when you think you have
identified it correctly, send a
card or letter to: Mystery
Picture, Box 310, Summerville,
Ga. 30747.
The rules for playing our
weekly fun game are simple.
Only written (cards or letters)
entries can be accepted. Please
County Student
Is Superlative
Terri Joyce Eilenburg,
daughter of Mr. and Mrs. Wil
liam Eilenburg, Route I,
Summerville, and a sophomore
at Young Harris College, was
recently elected by the sopho
more class as a superlative for
the 1972-73 Academic year.
Terri is an active student on
the Young Harris campus, and
her election as a superlative of
the sophomore class reflects
the position of esteem in which
she is held by her fellow stu
dents.
call and ask how their total
auto insurance premium today
compares with 1970.
We emphasize the point that
no-fault or modified no
fault may not result in an
actual premium saving, because
we feel the public would be
ill-used if they were "sold" any
kind of no-fault program only
to find their premiums did not
reduce, or (in the case of pure
no-fault or certain modified
no-fault programs with ex
tremely high thresholds)
actually were increased
We do believe modified no
fault insurance should be
adopted, but for* the reason
that it will assure that basic
medical payments will be paid
to the injured without delay
and that provisions can be
made for immediate reimburse-
do not phone in. All correct
entries are placed in a box and
three names are selected from
the correct cards and letters.
You do not have to be among
the first to send in a card or
letter to be selected to receive
a free subscription. Cards or
letters identifying today’s
Mystery Picture must be in our
office by noon on Nov. 28.
Why not send in your card
or letter right now. You might
be one of those selected to
receive a free three-month sub
scription to The Summerville
News.
Chattoogan Named
To Angus Group
W. P. Selman Jr., Summer
ville, has been elected to
membership in the American
Angus Association at St.
Joseph, Missouri, Lloyd D.
Miller, executive secretary, has
announced.
There were 367 member
ships issued to breeders of
registered Aberdeen-Angus in
the United Slates during the
past month.
Completes Training
At Orlando Center
ORLANDO, Fla.
(FHTNC)-Navy Construction
Apprentice Billy L. Peek, son
of Mr. and Mrs. Billy J. Peek,
Route 3, Summerville, recently
graduated from rei^uit training
at the Naval Training Center
here.
He is a 1969 graduate of
Plainview High School, Rains
ville. Ala.
ment of lost wages.
We were pleased to learn
that the Georgia General
Assembly, through action by
the no-fault study committee,
has called upon the university
system to make an actuarial
study of the many proposals,
our own included, in relation
to the actual claim and loss
statistics in Georgia, to deter
mine how much-if any
change in insurance premiums
can be anticipated as a result of
each of the programs. This
should avoid saddling Um-wmul.
ance buyer with a sizeable in
crease in automobile insurance
premiums without full knowl
edge of that fact before the
General Assembly acts to
accept or reject any no-fault
proposal.