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February 2, 2011     The Florala News
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February 2, 2011
 

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PAGE 6 THE FLORALA NEWS- WEDNESDAY, FEBRUARY 2, 2011 You and Your Money Community Bankers Association of Alabama www.mychaa.com Use Credit Wisely It is well established that credit is too readily available for many Americans. This allows people to purchase what they want and when they want it. And it has cre- ated problems for individual consumers as well as for the nation as a whole. Many individuals are tempted to purchase items on credit when they don't have the cash to pay for them. Let's review Some reasons why you should use credit--especially credit cards--cautiously. First, financing your pur- chases can lead to higher levels of spending. Some people spend more money when using credit than they would with cash. They ei- ther purchase more items or more expensive ones. In addition, remember that interest rates on credit cards are expensive. This can make financing your purchases more costly. If you don't have the money to pay cash for an item, you increase the cost by adding CHURCH interest to the price. Third, keep in mind that credit card interest rates can increase under certain conditions. Assume you get a credit card with a low rate. Unknown to you, this may have been an introductory rate that will increase if you don't pay the balance in full within a specified period. A final reason to avoid financing the purchase of goods and services is psy- chological. Great peace of mind comes to many people when they don't owe money to anyone. This eliminates worry about interest rates, annual renewal costs, and late fees. The best way to get that new laptop you would like to have is to systematically save until you have suffi- cient funds to pay cash for it. Using this approach, you delay purchasing it until you can truly afford it. This is not to say that you should never use credit cards. They are appropriate if you pay your bill in full each month. Thomas Bentley Fuller arrives Thomas Bentley Fuller, who was born January 26, 2011 and weighed in at 6 pounds 15 1/2 ounces and 20 inches long, will soon be at home with his parents, Ashley Cara- way and Jason Fuller. Bentley's grandparents are Jan Caraway, Guy Caraway, and Alice and Jerry Fuller. Great-grandparents are Bruce and Mable Caraway, Judy McDaniel and Sybil Fuller. Before long, Bentley will be playing with his big cousin, Madison Grace Caraway, riding horses and John Deere tractors. My Country Home A small brick house, our very own, my hubby and I live there alone. Beneath these tall towering pines, wildlife is found of many kinds. Foxes run across fields so green, squirrels and possums can be seen. Chickadees search for food each day, we like to watch them as they play! Shooting stars fall across the sky, with a north wind that's blowing by. A cozy fire is our haven of rest, life in the country is the best! The smell of fresh w et earth and rain makes me glad to be home again. At each days end with fading light, I know in my heart, things are right! Mary Ann Whiddon OAKEY RIDGE BAPTIST CHURCH The Chuck Wagon Gang will be appearing at Oakey Ridge Baptist Church in Andalusia, AL on Thursday, February 17 at 7 p.m. For more information contact Jerry Coley at 334-493-6692 or 334-313-8294 or Bob Foshee at 334-222-6245 or 334-488-9658. PAXTON ASSEMBLY OF GOD Paxton Assembly of God, located at 676 Co. Highway 147 (Webster Lane) invites everyone to attend services: Sunday school 9:45 a.m.; worship service 11:00 a.m.; women's minis- tries 5:30 p.m.; evening worship 6:30 p.m. Wednesday Bible study 7 p.m. Pastor is Rev. Ronald Sexton. PAXTON BAPTIST CHURCH The membership of Paxton Baptist invites everyone to hear the Word and worship God each Sunday at 9:45 a.m. for Sunday School; morn.ing worship 11 a.m. and evening wor- ship at 6 p.m. Wednesday service at 6:30 p.m., including adult prayer meeting, youth praise and worship and children Bible times. Located downtown Paxton on US 331. Pastor is Rev. John H. Lovelady III. For more info contact 850-834-2718 dur- ing normal business hours. RED OAK BAPTIST Red Oak Baptist, Pastor Eugene Meadows and congrega- tion invite the public to worship. Sunday School 10 a.m., wor- ship service 11 a.m., evening worship 5 p.m., and Wednesday service 7 p.m. The church is located at 13667 AL Hwy. 55, Florala. SIXTH AVENUE MISSIONARY BAPTIST CHURCH Come to the Sixth Avenue Missionary Baptist Church where "Church is not a habit, it is an experience." Bring your bibles and read along as Rev. Ernest L. Powell, with clarity and passion, explains the Word of God. Sing along with the soul-stirring Sixth Avenue Gospel choirs. Services are as fol- lows: Sunday school: 9:45 a.m.; worship service 2nd and 4th Sundays at 11 a.m.; Bible study Wednesday 6 p.m Located at 22507 Sixth Avenue right next to the Sixth Avenue Cleaners. Church phone: 334-858-8432. For further informa- tion call 858-5330. SMYRNA BAPTIST CHURCH Smyrna Baptist Church is the place to be for those hun- gry to learn about the Lord Jesus Christ. Every Sunday morn- ing, Sunday night and Wednesday night, Pastor Randy Holtz teaches about the Savior and helps members understand the word of God. God has promised that He and His word will be forever. That is a very comforting thought and in this day and age knowing about the Lord can give one true peace. The Books of the Bible are studied each Wednesday night with discussion questions. Sunday morning different areas of the Bible are studied. Hours: Sunday school 9:45 a.m., church 10:45 a.m., night 5 p.m., Wednesday 7 p.m. ST. JOHN MISSIONARY BAPTIST CHURCH Members of St. John Missionary Baptist Church where Rev. A.D. Bell Jr. has been pastor for 31 years invite you to worship each Sunday. Sunday school 9:45 a.m., 11 a.m. regular order of service. Wednesday Bible class 7 p.m. 2nd Sunday after Sunday School there is a series of bible classes (subject: The Apostle Doctrine). (3rd Sunday regular order of service) (4) Sunday morning after Sundays School a bible class is held FROM PAGE 5 (subject: Making the Most of your Christian Life). Located on Martin'Luther King, Jr. Street. SVEA ASSEMBLY Svea Assembly of God, Hwy. 85 South, invites everyone to their services. Sunday school 9:45 a.m., morning worship 10:45 a.m., evening worship 6 p.m., Wednesday service 7 p.m. Pastor is Margie-Sexton Chambers. Everyone is wel- come. Phone 850-834-2784. The church is located at Hwy. 85 south of Florala/Paxton. TRINITY MISSION When life gets you down, there is a God who cares. God has all power, wisdom, and answers. Trinity Mission enjoys serving God, and invites you to attend church services. Sun- day school 10 a.m., worship service 11 a.m., and Wednesday prayer service 6 p.m. The church is located on Hwy. 331, 2 miles south of Paxton. Call 834-4077.  UNITED METHODIST CHURCHES Florala First United Methodist Church, 1310 5th Street, Florala. Members cordially invite you to Sunday School for all ages at 10 a.m. Worship Services at 11 a.m. (nursery pro- vided), weekly Bible Study is offered at 6:30 p.m. on Tues- day in the church's Fellowship Hall. The church also has a Devotional Time at the Florala Health & Rehab LLC at 9 a.m. each Thursday in their dining hall. For further information call 858-3456. Christian Home United Methodist, 1479 Parrish Road (for- merly Highway 6), Florala (south of Highway 4 approximately 6 miles from Florala). Members' invite you to Worship Ser- vices on the second and fourth Sundays of the month at 9 a.m., followed by Sunday School. Bible Study is offered every Wednesday at 10 a.m. For further information call 652-4766. Hopewell United Methodist Church, 987 Gomillion Road, Florala (off Highway 4 approximately ten miles from Florala, south on Co Rd 20 or Gomillion Rd). members invite you to Worship Services on the first and third Sundays of the month at 9 a.m., followed by Sunday School. For further information call 652-4474. VICTORY BAPTIST CHURCH Victory Baptist Church is a Bible preaching and teaching work based on the fundamentals of the King James Bible. Located halfway between Paxton and DeFuniak Springs, in Liberty, the church welcomes all families and individuals who would hear the preaching of the Gospel and receive the saving knowledge of the Lord Jesus Christ. Pastor Alvin Wade will be preaching Sunday mornings at 10 a.m. with Sunday School for children and young adults, 11 a.m. Worship Service, Sunday evenings at 5 p.m. and Wednesday at 7 p.m., followed by a time of prayer. WESTSIDE BAPTIST CHURCH Bro. Richard Martin and the congregation at Westside Bap- tist Church would like to invite all to join them for worship. Sunday services include Sunday School 10 a.m. morning worship 11 a.m. and evening worship at 5 p.m. Wednesday prayer service foradults, youth and children begin at 6:30 p.m. The church is located at 21967 Lockhart Blvd, Florala. For fur- ther information, call 334-858-3763. FROM THE PEN OF PASTOR NATHANIEL BELCHER ONLY TWO GROUPS OF PEOPLE One group says, "I can't.'; They are pessimist. The other group says, "I can." They are opportunist. Only two things will get you in trouble. One is not doing what you have been asked to do By your parents, supervi- sor, the law, or by God. The other is doing what you have been asked no "to do. Only two places to go after death - heaven or hell. Rev- elation 21:7-8: "He that overcometh shall inherit all things; and I will be his God, and he shall be my son. But the fear- ful, and unbelieving, and the abominable, and murderers, and whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death." Jackie Doran and Jeffrey Cannon are pleased to announce their engagement and forthcoming marriage. The bride-elect is the daughter of Mrs. Su- san Doran and Johnny Kelley, Jr., and the granddaughter of Mr. and Mrs. Johnny Kel- ley, Sr., all of Luverne, AL. She is a graduate of Luverne High School. She graduated from Capps College as a Certified Nursing Assis- tant. The prospective groom is the son of Jerry Cannon and the late Mrs. Gloria Cannon of Andalusia, AL. He is a graduate of Florala High School. He earned a Bachelor of Science degree in Secondary Education/Social Science from Troy University. The wedding is set for Saturday, March 26, 2011 at Red Oak Baptist Church at 3 p.m. A reception will immediately follow at the bride and groom's home. Formal invitations will be sent. Daffodil Garden Club holds monthly meeting The Daffodil Garden Club held their regular meeting in the home of Sybil Mason on January 18. After a time of fel- lowship and refreshments, President Mary Robbins called on Peggy Woodham to read letters from the Chamber of Commerce and The Florala Public Library thanking the club for their donations. Mary Robbins gave the horticulture report. She gave several gardening hints. It is time to order roses as they are now being shipped. It is also time for pruning and trans- planting. Bird feeders need to be filled during winter. Rita Moseley was the program leader. Her topic was, "Arbor Day and Trees." Alabama's Arbor Day celebration will be the last full week in February. We need to realize the importance of trees and what better way is there to know this than by planting and caring for them. Whether you plant one or thousands of trees, you add to the beauty of homes and neighborhoods, increase property values, pro- vide shade and windbreaks, decrease energy costs and cre- ate more livable communities. Your choice can be a tribute for generations. Troy University announces honor students Troy University has an- nounced its honor students for summer semester, ac- cording to Dr. Ed Roach, Se- nior Executive Vice Chan- cellor and Provost. Full-time undergraduat e students who earned a 4.0 grade point average for the summer semester are rec- ognized on the Chancellor's List, the university's to hon- or roll. Full-time undergrad- uate students who earned a grade point average of 3.65 or higher on a 4.0 scale are recognized on the Provost's List. Troy University offers associate, bachelor's, mas- ter's and education special- ist degrees, preparing stu- dents in the fields of fine arts, communication, busi- ness, education, sciences and the humanities, applied science, nursing and allied health sciences. Troy University oper- ates four campuses in Ala- bama and maintains degree programs at more than 60 campuses in 15 states and 11 foreign countries, serv- ing almost 31,000 students worldwide. Provost's List FLORALA: Sonny Bed- s01e, Caitlin Edmondson, and Jennifer Wood. 3UNCIL FROM PAGE 2 organizations. The city has waived those fees in the past with an electric bill running around $900 a month, the council decided rather than waive the fee they would cut those fees in half. "We want to help charities and those in need," Williamson said. "However, we have to realistic." Though hesitant to do so they council decided it'was neces- sary to at least have the organization using the facilities pay for use of the electricity. voted to apply for a $10,000 grant from the Choc- tahatchee, Pea and Yellow Rivers Watershed Management Authority to repair the culverts going into Lake Jackson.