‘Let's

 

t

Ne dolla sores-——-itp —no fr ane
_ Stash prices on everything from si
. ros, ree emover and dg biscuits

rkey b

 

2 ‘back more than 50 years, descendants

; | canned goods s hampoo, :
breakfast cereal. He saves $20 to $30

shoppers were
reluctant to
store fans. Associated with drab strip

mals and raat prs Soh
of to

to tu asters and Scooby-Doo
underwear—were stigmatized as last-
ditch markets for battered or
merchandise. No More. These days

' - bargain hunters have turned places
with n

names like 99 Cents Only, Dol-

| lar Tree, Dollar General, It’s A Buck,

and Family Dollar into one of
America’s fastest-growing retail indus-
tries.

Dollar stores, once the province

F of five-and-dime stores.
==» mames, dollar stores don't necessarily
p sell their wares for $lapiece. Some

ner (and <or Dollar

ofa

were dollar

expired bels. §

Despite their

  

99 cents or $1
per item, but others like Family Dollar
of a dollar (from $1 for household
cleanerr to $30 for aCD box).

i ported merchandise accounts
for some lower prices, as do product
closeouts or overruns from manufac-
turers. Sometimes dollar stores carry fa-
miliar products with odd-looking la-
- Sometimes a manufacturer pre-
pares a batch of product for overseas
sale or simply with a different label
design, then someone chang: their
mind. Which isn’t to say dollar stores
carry only off-brand or discontinued
merchandise. Brand-name goods like
Hershey, Coca-Cola, Fruit:of the
Loom, 3M, Procter and Gamble and

 

General sell items at multiples _

listen, you migh t miss something
_ important. That's why I want to

may sell-closer to an expiration date

a grocery store, but no more than

two to twelve months. The expiration

dates on produce and fresh foods are

’ the same as those found in grocery.

Best sellers beyond food include
aper products, —_ ents, stationery,
tandy and household cleaners. Before

- the holidays, skiopptes stockpile gift —

bags, wrappings, bows and tags for a
fraction of the cost of even super-dis-

conan Reading glasses are a good :

seller. The best part is if you leave them
on a table in the restaurant or drop
them on the floor and somebody steps
on them, nobody gives a hoot. They
only costa dollar! .

 

 

From the

| Amonthly column by East Carolina

   

acellor’s

 

 

 

___- Since my first days here at ECU in
Greenville in early June, the residents of
Greenville have warmly welcomed my
family and me and our transition
a comfortable one. For that, I want to
- offer my sincere

Thave made a commitment to learn
about the community in which I live
and work. To me, learning about a new
Community isa lot like learning about a
new friend. It’s important to talk, but
most important to listen. If you don't

=i

out to the many communities in eastern

Rate he Ad of low-income shoppers, have become General Mills fill the shelves. Food in- ey sti ria emmst en Hein

Dollar Stores» == chic, attracting high-income custom- creasingly represents some of the best what's important.
There's nooshameranymore:in ets. A third of all shoppets are over bargains. If you cheek the expiration -- One way we plan to open this dia-
shopping at dollat stores, says Laura 55. Dollar stores, found worldwide, dates on foods, you find that they is through our monthly meetings
Daily a freclanabariane on consumer are not new. In this couhtry, they date don’t sell expired products, but they ofthe Chancellor's Community Advi-

  

Po) ee a
: ae x on oat ; bs
‘ith 2 RS
eS Sa

  

~~ a2 eere

ANKS FOR NO
(Submitted by Faith May).

“How sha a setpent’s tooth
itis to havea thankless child.” (King Lear,
Act I, Scene 4). Ona

What parent cannot felate to these
famous words from William §
On Thanksgiving Day, millions across
the United States will put aside their fam-
ily Gian and wo enjoy a pleasant
meal together, Millions of parents will
wonder, quietly, “What went wrong?

 

 
  

 
 
 

   
 

(NAPSA)-One of the fastest growing
ways to ia andl el products ale
proving to be thé most luderative and
convenient for many involved.

Direct sellitig: Ras becomie a fobal
phenomenon as consumers are drawn
to the appeal of shopping from home-
and the outdated image of the door-to-
door salesperson has been replaced by
that of savvy entrepreneurs managing
profitable businesses from the conve-
nience of their homes.

Nearly 50 million people comprise.
the global sales force today, 13.3 mil-

 

 
 

salespeople join the ranks each week. In nob MBI ndependent Beauty Consult-
fact, direct-selling sales in the U.S. went ants to manage their businesses. They
up about $1 billion in 2003, hitting can track sales, keep their customer in.
$29.6 billion. Overseas the increase was formation right at their fingertips, place
even more dramatic. orders es have rs to the
One reason may be that direct sell- most up-to-date co information.
ing offers an unprecedented opportu- What's also great is that customers can
nity, says Neil » president of the conveniently purchase products from
Direct Selling Association: “Two won- _ their consultants online 24/7 and have
derful of direct selling are that them delivered right to their door.”
en can balance your family responsi- One May! y independent sales"
ities in life with your busiriess oppor- director describes her career: I was able
gs -tunity and you can set your own han. to grow my business at my own pace
F - . cial goals.” . without having to sacrifice time with
If you're attracted to a profession my fami y or my friends. Now, it’s my
in direct selling, however, do a little re- time career and not only has it been
search. The Direct Selling Association _ lucrative but it’s flexible Thavealor
you: of fun.” There's no “glass ceiling,” she
@ Findacompany and product adds. Direct sellers enjoy success lim-
that appeals to you ited only by their own time and effort.
mJ sure your start-up costs The industry is greatly expanding
are minimal oa fy as oem independent aay ey recog-
©@ Look for companies that offer _ nize what direct sellers have own
Cutting-edge support for their sles Zong: When this opportunity knocks-
ine tools, in particular, can m open the door.
i nae and running of the

_ fices I have made for :
_pafents will leave such thoughts unspo- and Bri
aside for the day.
tage. ee

  

    

 

differences
Thanksgiving Day has a rich heri-
Mow ian zig
1621,
together to celebrate a
: aimed the new nation’s
Thanksgiving in 1789 and another

~ in 1795, but these celebrations were not

It was Abraham Lincoln

who established Laeger es an
annual fall holiday, held on the final
Tlrarsdey of November. This custom
remained until eS wie the U.S,
Congress enacted a law placing Thanks-
giving Day on the fourth Thursday of

’ Most of us who live in the United
States or other Engli i i

nITIN |} |

iness much easier |

@ Find a company that offers

education, training, support and incen-
tives,

Rhonda Shasteen, senior vice presi

them?” Still, many: per

a.

tema erp fe he De 200

  

WITH FAITH MAY

 

- Why don’t my children appreciate ev, ine. Inaworld where more than’ half of
| exything I have given, and all the sacri-,__, the population subsists on less than $2

y, even the poorest in the U.S,

‘

people on our planet.

Yet God bas iven us something
more valuable; the Bible—His “instruc.
with His creation and reap the
that He intends for his creation, God is
our perfect Parent. oe

- We know howa parent feels about
a disobedient and thankless child at the

fitain are among the most blessed

iving table, But are we disobe- So

dex and thankless ape of our Fa-
r? As we prepare for Thanksgivi
Day this year, we should ack outschoer
“Am I thankful to God? Do my actions
show my thankfulness?” Do we have
the peace that comes through thankful
Thank yout toGol—o tothe
sa you” to r
“thanks for nothing”? This year, let us
resolve to thank God with our actions,
Not just our words.

Resource; Tomorrow's World

 

Ba

Trends in home shopping, coupled
with the needs of people to balance their
lives, are fueling the growth of direct-

ing careers.

 

Pay As You Go... No Longe To Sign... No

with Private Baths
® Telephone, Cable with HBO
© All Utilities

© Free Packing
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Affordable Housing
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Credit Check...

GUESTS COMING POR THE HOLIDAYS?
Now is the time t0 reserve your rooms - Deposit required

COLLEGE STUDENTS WELCOMED!

 

 

 

__ -,$ory Council, a grow
last year asa result of public forums in

that was formed

this area. Local residents come together

to advise us about community needs and

». work to find ways for ECU to be more

active in the community.

Another way to reach out to our
communities is through this monthly
column in local newspapers.

I'ma strong believer in

Whether you call it external relation-

ships, or services to our communities,

‘we have a great opportunity to build.

sttong partnerships in eastern North

We recognize that eastern North
Carolina communities want to be part-
ners with ECU, and we have a lot to
contribute. Sometimes we're the driver,
metimes we're the partner. Frequently
we're the supporter or the helper.

But our partnership opportunities
are huge. We have to get some traction
in a couple of areas that I think are criti-

First, we must work well with thie
community colleges. One greatexample _
of this is Wachovia Partnerthip East. iis
a“2 plus 2” program in our College of
Education.

Under the direction of Dr. Marilyn
Sheerer and the Department of Curricu-
lum and Instruction, ECU has entered
a partnership with the community col-
leges throughout the eastern part of the
state. With the help of Wachovia Corp,,

Li blished four consorti

 
 

allow students easy access to educational
opportunities, Students, many of whom
are working adults with families still at

to college.
si This “2 plus 2” program lets these

students earn their first two years of col-

lege work at any one of the ri

community colleges. They can then fin-

ish their last two years with access to ECU
faculty through a mix of technology and

classroom instruction at one of the con- [x

sortia hub sites.

This program has about 150 stu-
dents enrolled now, and it plans to gradu-
ate at least 100 new teachers annually

inning in 2006. This concept is espe-

ially exciting now, in light of the extreme
shortage of qualified teachers in our K-12
system, particularly in science and math.

In the near future, we're hoping to

- expand the program to include those liv-

ing on the Outer Banks, and to

the program at Pitt Community College

here in Greenville.

Another critical partnership is
with the city of Greenville.

While it is still very early in this
Project, ECU is working with the city lead-
ers to rejuvenate an area in downtown
Greenville that would support an alumni
center and office space.

Another exciting project involves our
own Regional Development Services staff
members, who are working with the Re-
development Commission of Greenville,
the City of Greenville and the Uptown
Greenville Association to secure a grant
from Golden Leaf Foundation to develop
an arts and cultural district in Greenville.

<<<
out having to leave their homes, their _
workplaces or their busy lives so they can

  
  

early stages, but I am excited about the
rospects of what this could mean for
CU and our communities.

Along with these regional partner-
ships, we need to pursue relationships
with other institutions, including the
University of North Carolina (UNC)

system.

Within the K-12 public school sys-
tem, we are fortunate to have a great
supporter in Mike Priddy, superinten-
dent of Pitt County Schools.

So partnerships and community
outreach and growth will be essential to
the future of ECU.

I hope you will share my excite-
ment about these few projects I’ve out-
lined here. Working together, we can
build a common goal that will mean a
bright future for everyone in eastern
North Carolina. And with your help,
we can make that future a reality.

 

 

 

Both of these projects are in the very

| | 4
iy

  
 

 
 
 
  
   
 

   
    

 
  
   
 
   
   
 

 

-

   

N.

 

Greene
Telephone:

 
  
 
  

 
     
   
   

         
          
                 
   
 
 
  
    
 
  
 

 
   
    
 
 
  
    
  
 
 
 
  
  

  
   

Ch
Down Payemt KG ‘>

Monthly Payments Wz

St., Greenville, NC 27834
(252) 758-1279

 

 

    
 
    
    
   
   

  
 

 

  

 
 

November 14-20, 2004 The Minority Voice Newspaper Page J”

     
  

33.Allow him to have friends. How Mm laughter affects every cell in ourbod- ing wo old hurts: hegre ‘by criticism, ..
34.Don't snoop. Your ple Life ies? When we laugh, our immune sys. ‘ejection, and jealousies, they are
35.Be faithful. by Dr. Charles F Stanley tem is stimulated, as is our creativity. weighed down by bitterness and

 

 

36.Respect him in front of his Saath 1. Keep learning. Don't settle forwhat In addition, we tend to let down our haunted by old resentments and hos- - :

37.Give him a kiss for no reason. you already know, as soonas you accept _ defenses and become more open and _ tilities. unrelenting memories bend

8 Ker your bag of weal ick on
-.. treats full. Ms

 
     

38. Treat his ex/wife, the mother of his things as they are, you cease to sta transparent. But laughing; that is, be- the spirit, the emotions, and box God, —
children, wipe young. Keep poinine in wled shoe ing joyous in be ae God. The however, never intended for His chil-
9 Don't, /t0 change him radicall 39.Spend time with his kids. valuable things, starting with the Bible. Great Physician tells us that “a jeyful dren to live with such burdens. ee
10 Linen’ him “40. Say what you mean and mean what If we cease to » we getinto “rutliv- heart is good medicine, but abroken 6. Keep on longing... .for better th i
WL. Cheer him on at his basketbal] YoU Say: ing”, which leads to aging. Find some- spirit dries up the bones”. Take your- Don't give up your dreams, or you will
: es or his bowling league 41.Never share your secrets with any- thing’ you don’t know how to do and self less seriously. If you don’t have any start aging. Anticipation keeps us young
io Wire love piles ein fe de them in one else. enge yourself to do it. friends who make you laugh, find Keep in mind that God has wo
| his personal things 42. Buy hima present forind reason. —_—2. Keep loving. The Lord doesn’t want some. And remember: children of God _ plans foreach ofus: |
- 13, Want the best for him 43.Don‘t leave your hair in the bath- His children to live with bitterness, should be living illustrations that, 7. Keep leaning. on God. If had to se-
1 4.WatchTVwithhim room washbasin. anxiety, resentment, ar hostility; those when Chtist comes into our life, there’s lect a single verse that’s been the anchor of
15. Don't voce 44.Take his clothes to the cleaners. things negatively affect the body, our _ reason to rejoice. my life, it would f oy-per be Proverbs
ene hen new toothbmsh when 45:Never ha Sct toanyone. —_—_— mind, and every aspect of our:life. 4. Keep laboring. Psalm 92:14 compares _3:5-6: “Trust in the Lord with all your
ou nctice the old one frayi 46. Serve him breakfast in bed. Unhealthy emotions such as these in- _us to stron trees that “will still yields heart and do not lean on your own under-
1 ‘Ask him to teach you something and 47-Don't nag or complain. dicate something is missing from our fruit in ol age”. This means that we standing. In all your ways acknowledge
| take areal interest it earning it Be his frend. Se endheat na les bere eae se and hiner re- Him, ond He will make bey 5 pe -
oe . : 9. Encourage him to t y. Perhaps destructive patterns, like self- ess of age. There is nothit wrong straight”, Never stop talking § tO \s0d or «.
_ — - ie pecourage ant 50.Praise him to his children. oenterednces, aia) or anger, have with retiring from alifelong secular ca- _ listening to Him. Keep believing that HE HY
: 20'Notice whats new about kim 51.Be mindful of his moods. taken root instead of love. But unless _ reer, but to cease working in order to do can and He will. Will body age? Yes, 74
Sie beeen cour him. 52. Save a few dollars each week for as we have the capacity to love someone, nothing isa sin. With sucha retirement, _ itwill. Ba ci dot en ces
eee ee 22. Have meals r, 1 on time surprise weekend getaway. we cannot be the person God wants the brain sends a message to the body: also have to become old in the in: 24
Ways To Pamper 23,.Don’t sulk. y : 53:Be forgiving and don’t hold grudges. us to be. Nor can we achieve or ac- “It’s all over”. We start aging when we the spirit, orin your heart. Choose God's : * |
Your Blackman 24.Don’t remind him of his failures, >4-Clean his brush and comb, complish the things that He has set sto being challenged and motivated. whe Pon ir de the confidence ea
. 25.Love him for who he is , 55. Pray for him and with him. for our life. 5. Keep leaving... emotional baggage. - and assurance will workin your - ,
1. Ask, don’t beg or command - 26.Limit your time on the phone. 3. Keep laughing. Did you know that Too many people live in the pan,

 

_ life to renew your strength. (Isaiah 40:31)

§ 2. Compliment him on his accomplish- 27. Be polite.
0

 

     
       

  

 

 

   

 

  

 
  
 

ments. 28.Look at him when he’s speaking. a4 cae va E
3. Prepare a candle-light dinner with all 29.Encou ¢ him to stay withit his Norma P etway Appointed New Affairs Director U.S, Co wo
his favorite things. budget, and dont be the cause of his ate Alumni Affairs at North Carolina, Central go el hee
4. Keep yoursel clean. overspending. _ University ee Scholastic
5. Take his mother to lunch. 30. Call his mother to say hello. A 1977 graduate of NCCU with a Donte be beat
6. Buy hin cologne ce 31 ae put his business in the street. Me pe degen busines administration, POTOMACE a A i a ‘ ah wn meee
7, Laugh with him, not at him. 32. is privacy, Ms. worked as a customer relation ALLS, VA-Acon- have spent undreds of hours in re- -
: —_— manager for Wachovia Corporation in nse para of college one for a search locaing scholarshi: ra cere.
Durham pri to her appointment. -time student tuns from $10,000- ©. Commission for Scholastic
ADVERTISEMENT FOR BIDS She began her career in human re- $20,000; high fo colleges. can run Assistance ier horror - ports ;
sources at Austin Quality Foods Inc., in rom $40,000-$ 100,000! Most par- organization and supplies thi public :
GREENVILLE Nope Oe THE CITY OF GREENVILLE as a senior Se yp ay ents and students think that scholar- with over 1000 di er ieten -schol- :
PROJECT NC 22-50203/2617

munication manager before leavingthecom- _ excellent grades, low-income families, includes the’ scholarsh
pany in 1992 to serveasahuman resources or the a etically inclined. A small dresses, application. headlines
representative at Glaxo SmithKline, Inc. In coamnple of the numerous scholarships _ries about the’ schiol; hips and th
1996 she became an affirmativeaction/EEO available to students include: Handi- amount the scholarship will, bay your
specialist with Nortel Networks and was re- capped Student Scholarships, Mem- child, Many scholarshi } pay the en-
sponsible for developing and analyzing the bers of a Church Scholarships, Schol- tire tuition; orhets can b applied to-
affirmative action nr the Rescence Ti arships for “C” Students, Veteran wards tuition, living expenses, id/or -
angle Park location, which indluded 8,000 Children’s Scholarships, Scholarships other fees. a eae ee
employees. She served as human resource for Minorities and much, much more. Most scholarships cin be used at |
manager before leaving the in 2001 Though the majority of scholar- junior colleges, career and vocational ‘
~ t0oversee customer relationsat iaCor- ships are from the Federal Govern- schools, 4 year colleges, graduate pe
1. Remove building components damaged by fire at three apartments — - "poration. _ ment and are merit and/or need-based, schools, conical and law schools. For |
2. Provide new work to repair these apartments damaged by fire and DURHAM, N.C-NonmaD. Peowayasea- isalifememberofthe NCCU millions of dollars are available to stu- _information’on obtaining these schol-

for ee Accessibility = soned professional with more than 20years National iAssociationandhasserved dents from private sector scholarships. arship lists, send a sel addressed,
; Ml other * own, specified or required by Code ofexperiencein human resources, customer as president of the Durham Chapter of the Much of private sector financial aid stamped, business size, #10, envelope

. All related wor . : i to: The U

relations and manufacturing management, National Alumni Association and as national goes unused because the parents and .S. Commission for Scholas- . .
fea Conference is scheduled for November 18, 2004 @ 1:00 PM at the me

  

She was promoted to emp andcom- ships are only for the students with arships sources: The s cl

Sealed proposals will be recieved by the HOUSING AUTHORITY OF THE

| CITY OF GREENVILLE for REPAIR TO THREE BURN UNITS until

p | 2:00 PM, NOVEMBER 30, 2004 and immediatel thereafter publicly

| Opened and read for the furnishing of labor, meres and equipment entering
into Project NC 22-50203. Scope of work consists of renovations and

|| modernizationof existing project and consist of the following items:

 

/
Single Prime Contract for all work.

 

   

has been appointed the new director of alumni students do not know how or where tic Assistance, P.O, ‘Box 650067,
ae ne ms a to apply. There are organizations that Potomac Falls, VA 20165-0067

office of the Housing Authority. Contractors who wish to see the units ahould i)

ce plans to attend this meeting.

    
    
  
 
  

 

lows survivors nationwide to join to-

, ae ; gether for support, healing, informa-
Complete plans, specifications and contract documents will be open for tion and empowerment. Linking over
| inspection in the offices of Stonger Archeture, PA 615 East Br Street, 90 survivor conferences nationwide
 Rocki » North Carolina (Designer): in the offices of the Associated through a live broadcast, National
General Contractors, Carolina Branch, Raleigh and Greenville, NC: Reed Survivors of Suicide Day-observed
Construction Data, Raleigh, NC; McGraw Hill-EW. Dodge, Raleigh, NC; or this year on November 20-helps sur-
ay be obtained by those qualified and those who will make a bid, upon

eposit of ONE HUNDRED Dollars ($100.00) in cash or certified check.

vivors express and understand the .
cea MOREE bpp 0 rejeg any ad al bids and v0 Waive Informal is : bd

Powerful emotions they ex ”

 

  
 
 

ties.

BR “(NAPSA)-tin the Unieed Stated, per

    
  
  

  
 

  

son dies by suicide every 18 minutes, cussions with “veteran” sur evors

a | leaving behind family members, clinical experts, The event is also

Fo Nees : 5 . | friends and currouere-"survivacy-t0 broadcast yisaralr dhe ee
i cutive Virector a bese > wi i ii i - chat i ediate fol lows } “9

' HOUSING AUTHORITY OF THE CITY OF GREENVILLE 7 ‘ we tins, “ panne Ns as enabling ‘survivors to connect with

. : ——- aa, . Oe National Survivors of Suicide others and share their own stories.

Desi + St Archi .P, From to right, Ed Carter, Former Mayor a Gree: il Carl Pckn 4 ug ReeC . : Sapte :
Signer Stogne. uyaae A, City Counci , Rose Glover, Wiliam Wainwright, Wake County Commniioner Day, sponsored by the American Foun For more‘information. about Na-
Rockingham, NC 28379 Vernon Malone, and Everette Ward. Carter, myth

: dation for Suicide Prevention (AFSP), tional Survivors of Suicide Day, visit
Phi Alpha conducted the wel-  ‘ . a en
coming cereomies during an Alpha Con tuion, herein Greenwille. Photo: Jim R isan annual commemoration that al- wwwalep org: Weep Ae

 

 

 

   

Students & parents

4

want to learn more about financial aid? >> ' we can help.

 

 

 

 

Some companies offer “free” financial aid presentations and then ask you to pay a fee or buy a product.

College Foundation of North Carolina provides all the information you need at no cost!
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www.CFNC.org wou 866-866-CFNC (toi-tree) | Se Habla Espafio

A trig of th: Stve of Nath Cara iy ya
© College Riundation, Ine. 2608 f y

4]
* iJ

 

 

 
ovember 14 - 20, 2004

Page 10 The Minocey Voice Newpaper November

NCCU PRO

 

DURHAM, N.C. —The fam-
ily of the late Dr. Mary M: Townes
awarded a $1 million check to
North Carolina Central University
(NCCU) during Homecoming in
honor of the endowment estab-
lished by Dr. Townes who served the
university for nearly 44 years,
Prior tovher death in 2003, Dr.

       

   

No eet diowt he vi:
i ies being sued be-
sumers. I remember my great-grand-
mother religiously paying her few cents
on her debit policy in the 1950s; every
when the agent came to the door
aa he
: Ofcourse,
when she died there was no money at the
end of that policy, What was it that made
our elders care so much about payi
iums? You may not have no-

those
ticed, but we do the same thing today.

 

$239,000 to establish The Mary E.

Townes Continuing Education.
Upon her death,» »
bequeathed more than
$761,000 that the university re- ©

Scholarship Fund.
she

ceived recently,

“We are extremely pleased:and
proud to have a wonderful planned

ift from Dr. Mary Townes,” said

Susan Hester, interim vice chancel-
lor for Institutional Advancement.
“We hope that this will inspire
other alumni to give to their sions
mater.”
Bom July 12, 1928 to Nora
McPhatter and Mitchell McLean in
Southern Pines, N.C., Dr. Mary M
Townes began her teaching career
at North Carolina Central Univer-
sity in 1950. . :

Dr. Townes was the university's
first director of the faculty-based
Academic Advising Program. She
was also the first coordinator of the
North Carolina Central University
Graduate Research Program.

Townes gave an anonymous gift of

 

    

   

     

family of Dr, Mary Tow

The far

  
  

nes presen ts amock check for $1 million to Chancel
lor James H. Ammons during CCU’s Ho

mecoming game. Dr, Townes be-
$1 milion to the university to establish the Mary £. Townes Continuing

chancellor {

ip Fund, From left to ri t are: Susan Hester, interim vice
Scholarship Fund. rom left igh
sister; and the daugh ter of Dr. Townes,

t; Ammons; Helen McLean, Dr. Townes’
Tricia Townes of New York.

 

60 articles in the Journal of Cellu-
lar and Comparative Physiology,

 

 

    

 

 

because analysts say a sound fi-

portant,

nancial plan begins with a good life insur-

   

   

  

ions and answers
may help you decide which type is best
for you:

1. How much life insurance do |

ance , These

need? C; examine your current and
future financial obligations, and the re-
sources that your surviving family mem-
bers could draw on to meet them. The
difference between the two is the approxi-
mate amount of additional life insurance
you need

2. What type of licy should I
buy: term or se 2 Gently pea
ing, “term” offers the greatest coverage
the lowest initial premium and is a good
solution for people with temporary needs.
Permanent insurance may make more
sense if you anticipate a need for lifelong

‘tip and like the option of tax-de-

3, Should I just buy basic life in-
surance coverage? That depends on your
specific needs and budget. Here are few

r

 

 

 

  

She has published more than The Journal of Comparative Bio-
SuBlack economic insurance policies
Why are some of our peoplestill pay- of Policies” owned and controlled by non-
ing for “policies” while not soning ser Black companies or individuals. Some may
thing in return for their money except a ps Bood nd some may pay of, bu the
promise? To what kind of policies am] point is that we do it promote them
referring? Well, there's the one that signs as if th belong to us and as if they actu-
us up for, say, $25 per month, and then _ lly help our people. They may help
promise to be there when we need alegal youasan individual, but as for the B
service. There is also the kind that prom- _ collective, I don’t think so,
ises good health if we would just paya care athe Ken Bigs
amount every month, or the one ing me that after reaching the highest
that offers us millions of dollars in return in anationally known multi-level organi-
soi aly Of course, mer he sree from ‘i y
can pay itin lump sum if youchoose. would you do “nlends and associ-
erie are ene Yo chooee ates asked Ken and his wife. Ken told me
policies that are sold to Black people and that after he discussed with top manage-
others, of course, which for the most part ment the possibility of adding some com-
are never used or redeemed. These poli- sree that would help empower Black
sets eae even when you folks, and being turned down, he left the
ie. We miums intoa pool of organization.
reserves chat create and maintain wealth ; He if because the polices they were
for other people but riever translate into selling had NO positive, long term, collec-
wealth for our people. Sure, there are the tive economic effect on his brothers and
“success stories” they alwa out sisters. Sure, Ken and his family were eam-
for potential policyholders, but the inga tremendously living, but he
chances are slim to none that a cancelled was concerned that ere was no way the
check, such as the one they always let you masses of lack consumers could truly
see, will ever be in your account. _ benefit fro he was involved with.
Yet, we sign up to pay for a policy we fiscally: Ac? oa
trust will pay off one day and carry usto ducing assets such as distribution chan-
that promise-land. of riches we dream  nels,ma g concerns, and other
about. businesses were necessary for Black people
Black consumers pay into an array to move forward collectively. Ken
i icy riders: + _* — Ifyou replace one cash-value
ility wai policy with another, the cash value of the
which stipulates that if you become to- new policy may be relatively small for sev-
tally disabled for a specified period of time, eral years and may never be as large as that
you dont have to pay premiums for the _of the original one.
duration of the disability. 5. How do I find a good insur-
Accidental death benefit, ance agent? Seek reco tions from
which pays an additional benefit in the friends and professionals such as your law-
case of adeath resulting from an accident. yer or accountant. Also, consider some-
* Accelerated death benefit, _ one who has received special certifications
i you, under certain circum- such as Chartered Life-Underwriter
stances, to receive the proceeds of your (CLU), Chartered Financial Consultant
life insurance policy before you die. (ChFC) or LUTCE You can also search
. 4. Does it make sense to replacea for an t or advisor with an organiza-
policy? Before dropping any in-force tion suchas the National Association of
" policy, consider: Insurance and Financial Advisors
If your health status has _(NAIFA), the nations ial ser-
over the years, you may no _ vices membership association. To find a
longer be insurable at rates. Sean in your area, visit
* Your present poli havea © wwwinaifa.o
lower premium apd aber le ona Financial resources are just one fac-
new policy of the same type. ‘tor to consider when buying life insur?

ance.

 

 

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ing plans,” etc. You should at least ques-

chemistry and Physiology, The
Journal of the Elish Mitchel Scien-
tific Society, The Journal of Chemi-

   

ION TO NCCU J

cal Education and the Encyclope-
. dia International. ar

As director of the Minority Ac-

- €ess to Research Careers Honors Un-

‘dergraduate Research Training Pro-

gram, Dr. Townes brought to the

university $642,159 in grants from
1980-85. .

In 1993, Dr. Townes became
_ the University’s first recipient of
~ the North Carolina Governor’s |
Award of Excellence and in 1994,
“was awarded the National Associa-

_ tion for Equal Opportunity Dis-
tinguished Al

umna Citation,
During her 44 years of service,
Dr. Townes served as chair of the

Department of Biology for four

years, dean of Graduate Students
for seven years and dean of the
College of Arts and Sciences for four
years until her retirement in July
1994,

NCCU also honored Dr.

Townes posthumously with the Dr..

James E. Shepard Legacy Award at
the Legacy Gala during Homecom-
ing weekend.

   

GREENVILLE, NC - Two Aphan Psi
Alpha Men above congradulate Dr.
Artis (center) for his life long achieve-
ments in the medical field, Mr. White,

 

who was the conference chairman, __
did a spectacular job hosting the larg-

est conference ever held in the state
of North Carolina. Rodney White
(left), Ron Hill (right). and Dr. Isaac

Artic, MD.

Photo Commentary: Jim Rouse

 

 

sn as Martin Delaney tod us, that our
economic prosperity had to come from the
work ofourownhands,

Ken Bridges was a rare brother, a
Marcus rite a brother, who put the
welfare of his people before his own. Iam
Not suggesting that every Black person will
oreven 3 tite

am sug is that we consider the
weysteacine nding our money by tak-
ing a look at
month, and start putting more of our
money into policies that Black folks write.
Let's pay some premiums to ourselves for a

_ Just as we pay for our life insurance

licies to pass something on to our fami-
lcs, ee our children, when we die,
we should also be willing to pay on acol-
lective policy that will and sus-
tain our children and their children long
after we are gone. Our conspicuous con-
sumption of everyone else’s products and
services are essentially economic insurance
policies for those who own the businesses
we support. If we would support our own
businesses anid pay more of our premiums
to them-to ourselves-we could build an
economic future for our beneficiaries,
Beware of so-called Black leaders who
stand up and promote Black support of
companies that require us to pay premi-
ums on “insurance policies” sold
one else. Beware of them, especially if they
do not also promote Black-owned com-
panies that have the same kinds of “poli-
cies,” “memberships,” eae purchas-

 

 
 

ng fo

nesses dwned by their brothers and sisters.

ple must not repeat the
mistakes of the past by paying monthly

 

 

 

“Policies” we pay forvery -

In fact, we provide it to them, 2
Performance, we've
In the business world and j

“insurance premiums” to everybody ac-
cept us. Monthly payments to Black busi-
nesses, through purchasing and member-
ships, and siecale yments to Black or-

investment and loan

izations via |
Funds for our businesses will lead us to

CO

economic prosperity. Let’ leave

SOME Daid-tp LOUCCIIDIC Insurance Poli-

 

Around here, businesses have plenty of power,

pits

Touchstone Energy”

on

  

4/7, And, because of our consistent
earned a solid reputation for relialviliey,

n the community, So you know you
on us to keep your business running like ir should. Powerfully.

cies” for our children: .
(James E. Clingman is an adjunct
professor at the University of Cincinnati’
African American Studies tand
founder of the Greater Cincinnati African
American Chamber of Commerce. See

www.blackonomics.com)

 

age

   
   
 
 
 
 
 
 
 
 
 
 
 
  
 
 

 

 

een

can depend