Below is the OCR text representation for this newspapers page.

Wednesday, March 16,1994 “H0u5t0n Times-Journal Page 10A Early Entries For Dogwood Pageants Are Announced A preliminary count last week listed approximately 70 young ladies in the Dogwood pageants, sponsored by the Perry High Athletic Department, and schedulrd for March 25 and 26, according to Mrs. Dee Hayes, a pageant worker. Emceeing this year's event will be the reigning Dogwood Queens on March 25. Early entrants and sponsors for the evening include: Little Miss (Grades K-2) Marisa Bledsoe-Larry and Phyllis Bledsoe, Lacey Hope Brown-M/M David C. Brown, Laura Lil Daniels- M/M/Tracy Bramlett, Courtney Michelle Grimm-Gordon and Leslie Grimm, Krystle Amanda Kennedy- Ken and Pam Kennedy, Katie Frances Sullivan-Shirley Cothron (Grandmother), Leslie Anne Talton- Tressie Solomon, Amber | Flexibility Key For Systematic Withdrawal Plan Systematic withdrawal is a service offered by many mutual funds. At your request, the fund will send you regular checks for a specified amount. This can be a real benefit to individuals who need monthly checks to help meet living expenses. Most mutual funds with a growth-and-income objective pay quarterly dividends and annual capital gain distributions. With systematic withdrawal, you can have part of the total return (dividends plus capital gains) distributed to you each month. For example, assume a fund has historically averaged a total annual return of 12 percent, consisting of a 4 percent average annual dividend and an 8 percent average annual gain. You set up an annual systematic withdrawal of 10 percent, leaving your principal undisturbed as well as adding about 2 percent or more, your investment is working as planned. However, what if the mutual fund has an unusually bad year? Suppose the fund is able to maintain its regular 4 percent dividend, but due to a declining market, there are no capital gains. If you continue to withdraw the same amount, the fund will be required to return part of your principal, and eventually you could run out of money. To use systematic withdrawal properly, think of your fund as a bucket full of water. At the bottom is a faucet from which you regularly draw a cup of water. As long as you replace this with as much or more water than you withdraw, you will continue to have plenty of water. But if you continue to withdraw more than you replace, your water level will decrease, and your bucket may eventually run dry. The same happens if you systematically withdraw more than your fund is earning-your principal will decrease, and your investment may eventually run dry. Does this mean you should avoid systematic withdrawal? Not at all. It just means that flexibility is the key. If total return decreases, decrease your withdrawal. By taking smaller withdrawals, you can monitor your investments until the principal begins to grow and builds a cushion. Or you can delay beginning withdrawals until the initial investment has grown. Systematic withdrawal from carefully selected mutual funds can be an excellent way to receive regular income and still allow your investments to grow. But it requires understanding, monitoring and the flexibility to adjust to economic changes. f " vlgjp Got A Great New Item? Give Us A Call At the Houston Times-Journal 987-1823 Wainwright-Perry Jewelry and Pawn, Kyra Lei Walker-PDQ Photo Shop, and Jennah White-The Davis Company. Junior Miss (Grades 3-5) Jessica Shaylyn Allmond- Conner's Paint and Decorating Center of Hawkinsville, Ashlee Nicole Butler-Stokes Construction, Audrey Kearse "Ken" George- Christy and Jeff George, Maggie Hanner-TLC Learning Center, Ashley Nicole Harrell-Atademy of Dance in Warner Robins, Tiffani Louise Harris-M/M Kenneth Harris, Jennifer Brooke Harris-C. Snyder Chapman, C.P.A., Rachel Hillhouse-Ed, Judy and Amanda Hillhouse, Kimberly Michelle Jacaway-Greenway Insurance Agency, Autumn Leigh McCarthy- Ethel McCarthy (grandmother), Mary Ann McCarthy (aunt), Celena Michelle Mead-Mead Video Photography, Victoria Michelle Morath-Holiday Inn of Perry, Amy Nicole Powell-DJ's Hair and Nail Salon, Ashley Lynn Seamon, Carrie Michele Sullivan-Shirley Cothron (grandmother), Christen Dawne Watson-Autumn Terrace and Ashley Ann Whiddon-Crossroads Insurers. Preteen Miss (grades 6-7) Rebecca Leigh Akridge-Carlton Interiors, Lisa Ashleigh Franklin- 'v* *>™a ® LOVE SEAT. HOMi TO J> IN THIS AD In art Olefin polyester blend WAT MAST ftbric tor ytmot quality wf. ■> MW_ vffi*.# «WUHf MI j IfeSirV \V j I credit. Terms & prices do not apply to prior purchases. All items In limited quantity A subject to j"'" Half price savings off Farmers “Value Price”. Appliances A Electronics not Included, but are offered at special sale prices. imimimb * Grade Petty (grandmother), Casey Lane Lavender-Ag Air Update, Amanda Marie Lowe-Pizzazz Nail Salon, Brittani Amber Monroe- Darrell and Karen Monroe, Clarene Maria Radford-Mary Ann Felder, Dana Robinson-Bill and Liz Vaughn, Summer Dawn Saunders- Dawn and Martin Saunders, Charles and Willene Brien, Tom and Donna Reed, Amanda Shipes-Griffith Rubber Mills, Heather Nicole Whiddon-Crossroads Insurers and Misty Michelle Wicks-Academy of Dance of Warner Robins. For the upper age categories, the pageant is slated for March 26; Titles will include: Teen Miss and Miss Dogwood. Emcee for this segment is Mrs. Janet Ethridge Deloach, former Miss Middle Georgia College, and a participant in the Miss Georgia Pageant A 1984 honor graduate of Fullington Academy, Mrs. Deloach was named "Junior Miss Fullington" in 1980 and "Senior Miss Fullington" in 1984. At Middle Georgia College she was named 1986 Miss M.G.C. and was tapped as Student of the Year. Also, recipient of the President's Service and Leadership Award, Mrs. Deloach traveled to Europe as an Ambassador of the college. A 1988 graduate of Georgia College, she earned a degree in Early Childhood Education. In addition, she was a member of Phi Mu Sorority, a Presidential Scholar, and named to Gamma Beta Phi Honor Society. She is currently working on a Master's Degree in Early Childhood Education. While in college she was first runner-up in Miss Georgia Peanut, first runner-up in Miss Georgia Watermelon, and first runner-up in Miss Georgia College. Currently a third grade teacher in Houston County, Mrs. Deloach has been named to Who's Who Among Young Professionals, Who's Who Among National Educators, and was selected the 1994 Teacher of the Year at Perry Elementary. She is busy in her church, serving as assistant pianist and children's church director. A member of the Vienna Junior Women's Club, Mrs. Deloach is on the Board of Directors of the Dooly County Chapter of the American Cancer Society. She resides in Unadilla with her husband, Jimmy. In addition, Mrs. Deloach has been involved with pageantry for twelve years as a contestant, Emcee, and a certified judge. She has ten years of training in piano, four years in voice, and four years in drama. She is presently affiliated with the Miss Macon Scholarship Association. Both pageants begin at 7:30 p.m. Tickets are $5 for adults and $3 for children in kindergarten elementary school. Early entrants for the Teen Miss and Miss Dogwood pageants and their sponsors include: Teen Miss (grades 8-10) Jodi Fordham-M/M Robert Fordham, Nicole Fountain-Jimmy and Linda Fountain, Christy Fowler-Precision Tire and Automotive, Julie Kathryn Griger- Roy and Barbara Griger, Brooke Suzzette Leisenring-Corky Powell and Land Home Development, April Montague-Perry Evening Optimist Club, Melanie Moore- Franklin and Gay Moore, April Newson-Agricultural Investment Management Corp., Erin Prater- Alltel, Katie Stephens-David's Hair Salon, Danna Stokes-Chris Stokes and Stephanie Sweat Miss Dogwood (grade 11-age 23) Daydra Cain-M/M Ed Dotson, Kelly Coleman-Carter Enterprises of Warner Robins, Cynthia Diane Dawkins, Andrea Nicole Kirk-M/M W.E. Cain, Jennifer Law-Tuggle and O'Neal Law Offices, Sloane Pennington, Daphne Rightmyer, Niki Robinson, Kristin Mary Siedlarz-Dr. Holcomb and Associates, Dana Stewart Elizabeth Ashley Whitaker-Trainer Oldsmobile, Cadillac, Pontiac and GMC, Rucks of Warner Robins, April Whitlock-Mrs. Mary Adams (grandmother) and Mary's Beauty Shop, Heather Jo Wilder-family. "We are delighted with the turnout so far, and we anticipate an exciting set of pageants," said Mrs. Elaine Stephens, a pageant worker. She added, "Interviews will be set at the home of Mr. and Mrs. Jeff George, at 205 Cedar Ridge Drive, on Saturday, March 19 from 24 p.m. We will call the young ladies this week to give them their specific time. Only those in grades 6-age 23 will be involved in the interviews." Only certified. Miss Georgia/Miss America preliminary judges are used for the Dogwood Practices are set for March 20 from 24 p.m. for contestants in grades K-7. On that same day, entrants in the Teen Miss and Miss Dogwood phases will practice from 4-7 p.m. on March 24, participants in the first pageants will rehearse from 6:30-7:30 p.m. The older group will rehearse at 7:30 p.m. Pageants and practices will be held at Perry High School Auditorium. Also prior to the pageants, Mrs. Deloach and other officials will conduct training sessions for poise, make up and speeches.