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THE HOUSTON HOME JOURNAL
(To send in your event for the
Business Calendar, fax the
details to 988-1181, e-mail to
hhj@evansnewspapers.com or
mail to Houston Home Journal,
P.O. Box 1910, Perry, GA 31069.)
Friday, July 25: Creating
Wealth with Business
Properties
MACON - This workshop is
designed to show businesses
how they can compete with any
one and come out on top. Class
meets from 9 a.m. to 4 p.m. at
401 Cherry St., Macon. Prepaid
registration is required; cost is
SIOO. For more information or
to register, call (478) 751-6592.
Wednesday, Aug. 6:
Managing Your Cash Flow
WARNER ROBINS - The
Warner Robins Chamber of
Commerce and Ann H. Smith,
CPA, are co-sponsoring a series
of seminars this year as part of
the chamber’s effort to support
the business community with
meaningful continuing educa
tion programs. The “Small
Business Networking
Roundtable” series is designed
as an opportunity for small
DELMAR. “BUCK” COLEMAN SR.
CENTERVILLE - Delma R. “Buck” Coleman Sr., 81,
of Centerville, died Saturday July 19, 2003. Graveside
funeral services were held at 11 a.m. Monday, July 21,
2003, at Parkway Memorial Gardens. The Rev. Mike
Slade officiates.
Coleman, a native of Truetlen County, was the son of
the late Charlie and Alice Holton Coleman. He was retired from
Robins Air Force Base, a member of the Tyrian Lodge #lll and
was a 32nd Degree Mason. He was also a U.S. Army veteran.
Survivors include his children, Emyleen Boling of Lawrenceville,
Fostine Barnes of Macon, Delma R. Coleman Jr. of Warner Robins
and Charlie Coleman of Centerville; brother, Wendell Coleman of
Augusta; six grandchildren; three great-grandchildren; and two
step-grandchildren.
The family received friends from 7-9 p.m. Sunday at the funeral
home.
Memorial contributions may be made to Hospice of Houston
County, 103 Westridge Drive, Warner Robins, GA 31088.
Heritage Memorial Funeral Home has charge of arrangements.
LOIS SCARBOROUGH HALL DELOACH
WARNER ROBINS - Lois Scarborough Hall DeLoach, 77, died
Sunday, July 20, 2003, at her home. Services will be held at 11 a.m.
Tuesday, July 22 (TODAY) at Mount Calvary Lutheran Church.
Interment will follow at Magnolia Park Cemetery. Visitation was
from 7 until 9 p.m. Monday at McCullough Funeral Home.
DeLoach was born in Laurens County to the late Thomas and
Sarah Scarborough. She was a member of Mount Calvary Lutheran
Church. Her former spouse, Edward T. DeLoach preceded her in
death.
Survivors include her former spouse, L.F. Hall of Warner Robins;
children, Lawrence (Terry) Hall of Palo Verdes, Calif., Gail (Frank)
Gunn of Macon, Ron (Donna) Hall of Dahlonega, Esther (Keith)
Yarbrough of Warner Robins, Barbara Morris of Macon, and Mark
Hall of Warner Robins; brothers, Othel (Hattie Mae) Scarborough
of Temple, and James Scarborough of Jesup; sister, Christine
(Buddy) Register of Rentz; 14 grandchildren; 13 great-grandchil
dren; and eight stepchildren.
Go to www.mcculloughfh.com to sign Online Registry for the
family. McCullough Funeral Home has charge of arrangements.
JOSHUA KRISTAPHER FITE
MARION, S.C. - Joshua Kristapher Fite, 21, died Friday, July 18,
2003. Funeral services were held at 10 a.m. Monday, July 21, 2003,
at Marion Baptist Church. A graveside service will be held at 11
a.m. Tuesday, July 22, 2003 (TODAY), at Parkway Memorial
Cemetery in Warner Robins. The family received friends from 6
p.m. to 8 p.m. Sunday at Richardson Funeral Home.
Joshua was born in Warner Robins, son of Robert Fite and Joyce
Kay Nicklow. He worked at Quick Silver Pawn Shop. Joshua was a
member of Marion Baptist Church and the Clinton Lodge. He is a
graduate of Pee Dee Academy.
Surviving in addition to his parents are a brother, Corey Fite of
Camden, S.C.; several aunts and uncles, Carl and Keli Stokes of
Marion, S.C., Stephen and Kim Bounds of Knoxville, Keri Nicklow
of Warner Robins, and Rae Lancaster of Oglethorpe; cousins, Carl
Stokes II and Kristen Stokes of Marion, S.C., as well as Steven and
Amber Bounds of Warner Robins; and grandparents Alfred and
Joyce Nicklow of Warner Robins, as well as J.C. and Diane Fite of
Fort Valley.
Memorials may be made to the Marion Baptist Church Youth
Group at PO. Box 3, Marion, SC 29571.
Go to www.mcculloughfh.com to sign The Online Registry for the
family. McCullough Funeral Home has charge of arrangements.
LORENE HOBBS
WARNER ROBINS - Lorene Hobbs, 84, died Friday, July 18,
2003. Services were held at 2 p.m. Monday, July 21, at First
Freewill Baptist Church on Brady Street, with interment following
in Magnolia Park Cemetery. Visitation was from 7 until 9 p.m.
Sunday at McCullough Funeral Home. In lieu of flowers, the fami
ly suggests donations be made to Hospice of Houston County, 103
Westridge Drive, Warner Robins, GA 31088.
Born in Ashbum, Hobbs was the daughter of the late Arthur and
Annie White Little and the widow of George Gilbert Hobbs. She
was a homemaker and a very active member of First Freewill
Baptist Church.
Survivors include her children, Peggy Meadows, Betty Hobbs,
and Eddie Hobbs, all of Warner Robins; and Annie Ruth North,
Oklahoma City, Okla.; brother, Delmus Little, Sycamore; sister,
Wonnie Greer, Phenix City, Ala.; eight grandchildrerf, 12 great
grandchildren, and 1 great-great-grandchild.
Go to www.mcculloughfh.com to sign Online Registry for the
family. McCullough Funeral Home has charge of arrangements.
DAVID P. “DAVE” HULBERT
PERRY - David P “Dave” Hulbert, 83, died on
Sunday, July 20, 2003. Funeral services will be held at
11 a.m. Tuesday, July 22, 2003 (TODAY), at the Perpr
First Baptist Church, with interment following in
Evergreen Cemetery. The family suggests contribu
tions to Westfield Schools, St. Patrick’s Catholic
Church, or the donor’s favorite charity.
Hulbert, born on May 9, 1920, in Havelock, Neb., had lived in
Perry since 1952. A graduate of the University of Nebraska and the
University of Georgia School of Law, he had practiced law in
Houston County for 40 years. A captain in the U.S. Army, he fought
with the U.S. troops in the Normandy Invasion and was decorated
with the Bronze Star, Purple Heart, Combat Infantryman’s Badge,
BUSINESS CALENDAR
business owners and key
employees to meet other profes
sionals, network with each
other, as well as discuss issues
that affect the growth of their
business. The next roundtable
will be on Managing Your Cash
Flow, from 8-11 a.m.
Wednesday, Aug. 6, in the cham
ber boardroom. The final
roundtable will be on
Advertising and Marketing: Is
It Really Worth It?
Cost is either per session or
for the entire series. Chamber
members pay S4O per session in
advance, or SSO at the door.
Non-members pay $65 per ses
sion in advance, or $75 at the
door. Cash, check, Visa,
Master Card, Discover and
American Express are accepted.
To reserve a seat, contact
Laura Paxton at Ann H. Smith,
CPA, at (478) 471-1005 or lpax
ton@ahsmithcpa.com.
Tuesday, Aug. 19: How To
Write a Business Plan that
Gets You a Loan
AMERICUS - This course will
explain the parts of a business
plan, the information required
for each section and the general
format. Class meets from 6 to 8
p.m. Tuesday, Aug. 19, in the
Georgia Southwestern State
University Education Center,
Room 102 with instructor Steve
Stanfield, director of GSW’s
Small Business Development
Center. Cost is $35. For more
information or to register, call
(229) 931-2151.
Wednesday, Sept. 10:
Medical Interpreters
Training
MACON - “Bridging the
Gap” medical interpreters
training will be conducted by
the Laurens County Health
Department Sept. 10-12 and
Sept. 15-16 in Macon.
Registration costs $75, and par
ticipants must be fluent in
English and Spanish. For more
information, contact Linda
Montgomery at (478) 272-2051.
Wednesday, Oct. 1:
Advertising and Marketing:
Is It Really Worth It?
WARNER ROBINS - The
Warner Robins Chamber of
Commerce and Ann H. Smith,
CPA, are co-sponsoring a series
OBITUARIES
ETO Campaign Badge and was wounded in the Battle of St. Lo.
A member of the Georgia Bar, he was a partner in the Aultman,
Hulbert, Daniel, and Lawson, formerly Nunn, Aultman, and
Hulbert law firm, for many years. He had previously served as the
Houston County attorney, Perry city attorney, and the Houston
County Board of Education attorney. He w’as one of the founders of
Houston Lake Country Club, past Kiwanis Club president and a
member of St. Patrick’s Catholic Church.
Survivors include his wife, Doris Council Hulbert; son, David E
“Skeet” (Jane) Hulbert Jr. of Perry; grandchildren, Paul (Lisa)
Hulbert of Charlotte, N.C., Jodi Shimp, John (Ashley) Hulbert,
Ben, Matthew, Mark, and Jill Hulbert, all of Perry; and three great
grandchildren. He was preceded in death by a son William L.
“Billy” Hulbert.
Please express condolences online at watsonhunt.com
ALTUS RAY MITCHELL
3^
WARNER ROBINS - Altus Ray Mitchell, 58. 1
died Saturday, July 19, 2003, at his home. Funeral
services will be held at 2 p.m. Tuesday, July 22
(TODAY), at the Chapel of McCullough Funeral
Home. Interment will follow at Parkway
Memorial Gardens. The family received friends
from 7 until 9 p.m. Monday at McCullough
Funeral Home.
Mitchell was born in Oklahoma. He was retired
from civil service at Robins Air Force Base as a
equipment specialist and was currently working j
with EDO as a contractor. Mitchell was an avid
golfer and a member of the Statham’s Landing
father, Olan Altus Mitchell preceded him in death.
Survivors include his wife, Donna Freeman Mitchell of Warner
Robins; mother, Lillian Helen Mitchell; son, Lonnie Mitchell;
daughter, Keri Powell and son-in-law, Corky Powell; granddaugh
ter, Tobi Powell; sister, Glenda Blalock; brothers, Gerald Mitchell,
Mike Mitchell all of Oklahoma City, Okla.; best friend and brother
in-law, Jerry Freeman of Pearson; and several nieces and nephews.
Go to www.mcculloughfh.com to sign Online Register Book.
McCullough Funeral Home has charge of arrangements.
JAMES CLAYBORN MOORING SR.
KATHLEEN - James Mooring, 81, died Saturday,
July 19, 2003, at the Houston Medical Center. Funeral
services were held at 11 a.m. Monday, July 21, at the
McCullough Funeral Home Chapel. Internment fol
lowed at Magnolia Park Mausoleum. The family
received friends from 7 until 9 p.m. Sunday at
McCullough Funeral Home.
Mooring was born in Tyronza, Ark. He was a retired industrial
engineer from civil service at Robins Air Force Base. He was a vet
eran of World War 11, having served in the U.S. Army Air Force. He
was a member of the First Baptist Church of Perry. His parents,
John and Amelda Mooring and son, Michael Mooring, preceded
him in death.
Survivors include his wife, Emily Mooring of Kathleen; sons, Jim
Mooring of Nashville, Tenn., Ron Mooring of Warner Robins, and
Robert Mooring of Keystone Heights, Fla.; daughters, Anna
Mooring Pender of Warner Robins, and Risa Mooring Watson of
North Little Rock, Ark.; sister, Bertha Cade of Byhalia, Miss.;
brothers, Sam Mooring of Flint, Mich., Tommy Mooring of
Tuckerman, Ark., and Johnny Mooring of Byhalia, Miss.; 14 grand
children; and 10 great-grandchildren.
Go to www.mcculloughfh.com to sign Online Register Book.
McCullough Funeral Home has charge of arrangements.
DAVID JOSEPH NEMETH
PERRY - David Joseph Nemeth, 7
32, died Jan. 11, 1999. His remains
were recovered July 2, 2003. A memo
rial service will be held at 10 a.m.
Saturday, Aug. 9, 2003, at Watson-
Hunt Funeral Home, with Chaplain David Primm
officiating. David served seven years in the Navy
with an eight-month tour on the USS Kennedy
during Desert Storm. He is originally from Rome,
N.Y.
Survivors include his parents, Joe and Hale
Nemeth, and sister, Christina Oda-Nemeth, all of
Perry; maternal grandmother, Hamlyn Mills of Perry; paternal
grandmother, Mary Nemeth of West Virginia.
Please express your condolences online at watsonhunt.com
ARLENE WHITTAKER
WARNER ROBINS - Arlene Whittaker, 77, died Sunday, July 20~
2003. Services will be held at 4 p.m. Tuesday, July 22 (TODAY), at
Chapel of McCullough Funeral Home. Interment will be at 2 p.m.
Wednesday in Meadowlawn Memorial Park, 1041 Geneva Highway,
Enterprise, Ala. In lieu of flowers, the family suggests donations be
made to Hospice of Houston County, 103 Westridge Drive, Warner
Robins, GA 31088, or All Saints Episcopal Church Building Fund,
1708 Watson Blvd., Warner Robins, GA 31093.
Whittaker was born in Quincy, Mass. She was a homemaker and
of Catholic faith. She was preceded in death by her husband,
Donald Whittaker and parents, Charles and Ellen Costello.
Survivors include her children, Donna Curtis (Stan) of Warner
Robins, George Whittaker of Eagan, Minn., Janet Bender (Glenn)
of Kennesaw, and Cheri Whittaker of Cedar Rapids, Iowa; ten
grandchildren; and six great-grandchildren.
Go to www.mcculloughfh.com to sign Online Registry for the
family. McCullough Funeral Home has charge of arrangements.
w
BUSINESS/LOCAL
of seminars this year as part of
the chamber’s effort to support
the business community with
meaningful continuing educa
tion programs. The “Small
Business Networking
Roundtable” series is designed
as an opportunity for small
business owners and key
employees to meet other profes
sionals, network with each
other, as well as discuss issues
that affect the growth of their
business. The next roundtable
will be on Advertising and
Marketing: Is It Really Worth
It?, from 8-11 a.m. Wednesday,
Oct. 1, in the chamber board
room.
Cost is either per session or
for the entire series. Chamber
members pay S4O per session in
advance, or SSO at the door.
Non-members pay $65 per ses
sion in advance, or $75 at the
door. Cash, check, Visa,
Master Card, Discover and
American Express are accepted.
To reserve a seat, contact
Laura Paxton at Ann H. Smith,
CPA, at (478) 471-1005 or lpax
ton@ahsmithcpa.com.
i J
Golf Club. His
pt i i&j|
Hi
FINANCIAL
From page 6A
ments. “They buy when it feels
good and sell when it feels bad.”
“Now is an excellent time to
invest in the stock market. For
somebody in their 20s, there’s
no better time than right now,”
he said.
The trick is to leave your
investments in the stock mar
ket for a long time. Although
stocks will probably show losses
now and then, Toombs says
that an S&P composite index
fund has never shown an ulti
mately negative gain, if left in
place for at least 15 years.
Younger people with many
years left until retirement can
afford to be risky in their stock
choices, whereas investors clos
er to retirement must seek out a
more moderate portfolio.
Toombs compares investment
strategies to taking a road trip.
An older investor has only a
short trip to make before retire
ment - say from Warner Robins
to Perry - it wouldn’t make any
sense for that person to drive 90
miles an hour (or invest in high
ly volatile stocks) on this short
journey. They might get in a
wreck (the market might crash)
and they wouldn’t have time to
recover before they reached
their destination (retirement).
Toombs likens a young per
son’s- investment strategy to
driving from Georgia to
California. It would make no
sense to drive this journey at 25
miles per hour (investing in so
called “safe” stocks). It would
KINNAS
From page 6A
• Early withdrawal penalty -
If you withdraw money from
your variable annuity before
you've reached age 59-1/2, you
may have to pay a 10 percent
federal tax penalty - and this
penalty may be assessed in
addition to any surrender
charges.
• Fees and expenses - When
you buy a variable annuity,
you’ll incur annual “mortality
and expense risk charges” - typ
ically in the range of 1.25 per
cent of your account value.
This charge compensates the
insurer for risks it assumes in
issuing your contract. You’ll
also have to pay administrative
fees, as well as fees and expens
MUSIC LESSONS#
• Piano • Guitar
• Brass • Voice .ft
• Woodwinds
BILL HARDIN MUSIC(~
FACTORY OUTLET g
WARNER ROBINS MACON MACON
1835 WATSON BLVD. COLONIAL MAIL l-475@US. 80
329-1135 471-1115 781-1112
lin n billhtirtliriMHsic, coni
lift
FOR YOUR
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VEHICLE
PHIL WAShTnGTON
WAYNU>MOfIHIS
1-75 Exit 136 (478) 987-2411
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If you have any further questions that we might assist you with,
please do not hesitate to call at 478-953-6033 or fax us at 478-953- 6047.
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Conveniently Located At 2706 Watson Blvd. In Front Of lowe’s g
TUESDAY, JULY 22, 2003 ♦
take you forever to get to your
destination and if you are going
too fast and get in a wreck, you
still have plenty of time to
recover, get your car repaired,
whatever, before you reach your
final destination. The short trip
scenario also applies to a young
person who is saving for a
short-term goal, such as buying
a house or going back to school.
In this case, Toombs recom
mends putting the money into
CDs (certificates of deposit).
“If people don’t have at least
a five-year window of time, you
don’t want to put it in the mar
ket,” Kinnas said. “You want to
put it in something more liquid
instead of stocks.”
Everybody is different
The most important thing to
remember, Kinnas, Malcolm
and Toombs stressed, is that
every person has different
investment goals, even twen
tysomethings, and their strate
gies should be tailored to their
specific needs. There isn’t a
one-size-fits-all strategy.
“People like to take advice
from friends and coworkers,
who might not be in the same
situation as they are,” said
Kinnas, who recalls asking a
young client why he had picked
such low-risk investments for
his 40IK. The client told him
that he picked the stocks
because they were working
great for one of his coworkers.
The only problem was that the
co-worker was 64.
es imposed by the individual
investment sub-accounts.
If you’re strictly investing for
the long term, and you can han
dle price fluctuations, a variable
annuity might be a great way to
supplement your retirement
savings - but don’t make any
hasty decisions. By doing your
homework now, you can avoid a
lot of “wrong answers” later.
Our motto:
We Delight
LUNCH &
DINNER
tubs'- sat
987-1938 .*
933 Carroll St. "
Downtown Perry
the imflGinG cenTER
Of Central Georgia
•SAME DAY SCHEDULING
•WE PRE-CERTIFY INSURANCE
•BOARD CERTIFIED RADIOLOGIST
ON SITE
•RESULTS AVAILABLE TO YOUR
PHYSICIAN IN 48 HOURS
•WE ACCOMODATE ALL TYPES
OF PATIENTS
•OPEN SEVEN DAYS A WEEK
•EVENNG AND WEEKEND APPOINTMENTS
FOR YOUR CONVENENCE
7A