January 6, 2005, The Herald-Advocate 3B First Baptist Church In Zolfo Springs Has New Steeple Installed Dec. 29 PHOTOS BY JIM.KELLY Hal Jones, chairman of board of deacons; Pete Hughes, church treasurer; and pastor Rev. Jack. White watched installation of new 16-foot steeple.- .'~- 4 * .. 1~. . m Z. ~ t Marion King of Miami cuts hole in foyer ceiling for access for steeple installation. The steeple cost $5,235 installed. Church has Spanish mission at 518 East 8th Street. Steeple, washed and ready, is lifted to roof of church. First Baptist was organized in the fall of 1904 and is located at 320 East 4th Street. Church has 228 members, including 140 resi- dent members, and is debt-free. SFinancial Solutions By Patrick M. Lange Licensed Financial Advisor -. ._.. -- Mike Balmer (foreground) and James Tyndall, both of Clinton, N.C., measure steeple for cutting to fit roof angle. The steeple came from Kivett's. Inc. of Clinton. Two other similar steeples on truck were bound for churches in Charlotte County. Blessed is the season which engages the whole world in a conspiracy of love! -Hamilton Wright Mabie Middle age is when your age starts to show around your middle. -Rob Hope HEARTLAND PEDIATRICS "New Patients Welcome" Specializing in Treatment of Provider for: *Allergies "" Med.icad *Mosl Major Asthma *BCBS Insurances *Attention Deficit Disorder .*F .ringe Benefit CoordinatorsI . IpuaUd .nidm M.D., F.A.A.P. ' Infants, Children and Adolescents 767-1414 24 Hours Hours: Mon. Fri. 8:30 5:00 Temporary Location- 205 Carlton St. Wauchula VALUE INVESTING Savvy consumers thrive on the value the\ get from shopping sales. buying wholesale and purchasing lo\\-priced items in bulk. We bargain hunt. for food, clothing and even big-ticket items,. such as furniture, cars and homes. So why don't more investors bargain hurntfor great value in stocks? What has happened to consumerconfidence in the old adage, "Buy low, sell high?". SANEW OUTLOOK Volatile times, such as the last fev% years in the stock market, present an array of opportunities for the value investor. Bargain hunters ma now fihd low-priced stocks that can turn into real gems if selected carefully. However. investors have been irrationally pessimistic about the stock mar-' ket. After the bursting of the tech bubble, the Sept. 11 attacks, the collapsed of balance sheet credibility, war. recession and deflation; many,inVestors have reacted in a post-traumatic investing mode.'a'oiding the market com- pletely or trying to find new \ayvs to navigate it. While most economists are predicting an economic and market recov- ery that is gradual and measured for sometime, consumers are proceeding. with great caution. As the.stock market continues to show signs of recovery and interest rates begin to bottom out. many people should begin to find it easier to justify risking the unpredictable equity markets 'again. The following are some tips for' rebuilding your portfolio and getting the most value from your investments? .. . Keep Investing- No one can call the bottom or the top of the mar- ket or say when true recovery will set in. But, as history has taught us, it will. You don't want to start pouring money in to the market x hen the reco% - ery has already taken place and prices are high. Yopx %ant to beat the recoQv- ery and enter (or re-enter) the stock market when prices ate low and edging in' the right direction: up. There are a variety of bargains waiting to be found-just be sure to do your research and pick carefully. Better yet, wiorl Swith a financial advisor to'buy small amounts of stocks or mutual funds onf an:ongoing basis. This is known as dollar-cost averaging and will allow you' to get in on the market's rise, while buffering you if it declines. However, L: dollar-cost averaging will not prevent a loss in a declining market. Diversify-One of the best ways to inmest is with abroad index fund that mirrors the total market. Lowering your risk through diversification may be the most direct strategy for achieving \alue. Ultimately, as the mar- ket averages continue to recover. you will reap the benefit at the lowest pos- sible cost. This is also a good time to review % sour asset allocation. Because theniarket's rise may have increased the percentage of small-cap stocks or funds in your portfolio, you may need' to trim and readjust along the way. Take into consideration that smaill-cap stocks; which are more volatile and ,. therefore carry more risk, also tend to outperform well into a recovery. Beware of Bonds-Bonds will become increasingly dangerous while the economy continues to recover. As bond prices, are bound to decline, investors will be forced to re-evaluate their approach to the fixed-income market that carried them through a rough economy. Consider moving some bond profits and put the money into stocks. But don't panic. Unlike stocks;, if you wait until a bond matures, you will get your full interest and princi- pal payments exactly how you expected to when you purchased the bonds. If the ladder approach : is taken, you can mitigate against some of the price volatility by buying a series of maturities, such as two-year, five-year, seven-year and 10-year, purchasing the longest maturity in the ladder again as each issue comes due. Collect Dividends-The 15% tax rate on dividend payouts announced in the new federal tax cut package makes income from stock portfolios more attractive to some consumers than the interest from bonds -or bank accounts, which are taxed as,ordinary income. Investors also can look into preferred stocks, which pay dividends before they are paid to com- mon stockholders. However, make sure you thoroughly research these investments: becaVse the highest dividend payment also may signal prob- lems with the stock. Get Help-Meet with a qualified financial advisor to map out a com- prehensive strategy for both your long- and short-term financial planning needs. Steeple is lowered onto church, which had $139,642.96 in'. assessed damages from hurricanes. Services are held in the fel- lowship hall until repairs are completed in the sanctuary. I hold that a little rebellion, now. as necessary in the political' and then, is a good thing, and world as storms in the physical.' ,i ..i RAN PROGRAM .fTw1 iajou io/s soJoitcithdg Cooaf Asa to8. 4 1eOno e nmoKrnege(Oe&E Orti gineaute a ompp topisl ttougia ,ig to iftyoW paucehu8. 4 e otsar rqrod uofnt tow god hQee you, soc-l.6p 1 Am REQUEST FOR QUOTES FROM ABSTRACTORS TO PREPARE OWNERSHIP AND ENCUMBRANCE REPORTS FOR THE CITY OF WAUCHULA COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM The City of Wauchula is soliciting proposals from Abstractors to prepare Ownership and Encumbrance (0 & E) reports, including complete copies of all supporting docu- ments, for at least three (3) residential properties within the City of Wauchula. These reports are required pursuant to the City of Wauchula's Community Development Block Grant Program. Respondents submit five (5) copies of quotes, marked "SEALED QUOTE FOR CDBG OWNERSHIP AND ENCUM- BRANCE REPORTS," including the cost per Ownership and Encumbrance report and time required to complete each report, by 5:00 p.m., Wednesday January 19, 2005, to the City of Wauchula, ATTN: Phillip Wickstrom, Human Resouces Director, City of Wauchula, 126 South 7th Avenue, Wauchula, Florida 33873. For further information, please contact Mr. David Fox, Fred Fox Enterprises, Inc. at (800) 332-9369. The Abstractors selected to carry out the-work will be required to provide proof of insurance prior to contracting with the City of Wauchula. The City of. -Wauchula is an Equal Opportunity Employer/Fair Housing Advocate, and a Handicap Accessible Jurisdiction, and reserves the right to reject any and all proposals received. 1:6c Rev. White. Jones and Hughes hold cross that goes on too of steeple. ........ ...~ ,.~