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November 8, 2007     The Southern Herald
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Summit, MS 601 276 - 2000 www.smcc.edu .uling for Spring Semester 2008 begins November 5, 2007 (See website for semester schedule) Currently enrolled students should see their advisor. New students should call for an appointment to pre-schedule. Contact a counselor for an appointment: Academic: Angela Rushing, Patsy Sandifer, or Betty Johnson: 601-2 76-2005 Career/Technical: James Rushing 601-2 76- 3 722 Introducing the SMCC 2007 Tentative Christmas Course B ! d g Room B 513 Anatomy&PhysiologyI JSB. 201 Computer Programming I JSB 101 CSC 1614 ENC 1113 English Composition I tISB 115 Western Civilization I HSB 121 Western Civilization II HSB 120 Elementary Algebra JSB 102 Intermediate AlgebraJSB 202 Physical Science I HSB 123 General Psychology ttSB 118 HIS 1113 HIS 1123 MAT 1203 MAT 1233 PHY 2243 class schedule This is the schedule tbr the new Christmas holiday r session. Just as with evening classes, these classes will be offered if demand is sufficient. Classes meet December 12 - 15 and 17 - 21. a 'elasse will mee " ' fr m " iI / s " t daily om 9:00 a.: until i I 12:00 noon and 12:30 p.m. until 2:30 p.m. will il ,- Registration begins November 5 and !]--.# continue through the second day of class, ! December 13 "2 Financial aid is available. Regular tuition and fees apply. Southwest Mississippi Community Cetlege does not discriminate on the basis of sex, race, color, | religion, disability or national origin and is in compliance with Title IX and ADA directives | Title IX and ADA Coordinator: Dean d. Stephen Bishop, SMCC, Summit, MS 39666 / l WHAT STUDENTS CAN It saves you the hassle of waiting in line for books on the first day of DO TO SAVE SOME class, and saves you a lot of MONEY money. By Jim Kelly SPLIT YOUR BILLS with your With the new school year well roommates if you live in an apart- under way, many students are off at ment. Make a financial plan you college with credit cards and can all agree oE to pay your bills access to bank accounts for the every month. Split the bills equally first time. ING Direct USA, the among all of you. This way you're nation's largest direct bank, asked all paying an equal amount, and the its summer interns what they plan will keep everyone on a sched- wished their parents had told them ule. as they headed off to college. IF YOU HAVE A JOB at school, Here's their advice: take money out of each paycheck START SAVING at a young and put it in a savings account. You age. Have your parents open up a won't be tempted to spend all of savings account or CD for you your money, and you will always before you get to college. This way have some extra spending money you will always have money to fall for fun or when you really need it. back on when you need it, and MAKE SURE you can access you'll learn the importance of sav- your bank account at school. When ing. moving from your hometown, check USE A CREDIT CARD ONLY to see what banks are in the area of WHEN ABSOLUTELY NECES- your school. By opening a local SARY. Just because a credit line is bank account, you can easily cash available, doesn't mean you need and deposit checks and might be to max it out. It can take many able to avoid surcharge fees at years and thousands of dollars to ATMs. pay off credit-card debt. Only use a KEEP TRACK OF YOUR credit card in emergency situations. MONEY. Keep a log of deposits MAINTAIN A BUDGET. College and purchases, especially from is costly. You must buy books, checks and debit cards. Even clothes, supplies. Create a budget though your bank may track this for each semester so you can pre- electronically, it's good practice for pare for future expenses. This will you to personally manage your save you the headache of figuring funds. Plus, transactions might not how much money you need for go through as soon as you make everything, and leave you with them. Having a hard copy is always extra spending money, a good idea. IF YOU LIVE OFF CAMPUS, Jim Kelly is chief operating offi- don't go out to eat all the Jme. Buy cer of ING Direct. enough groceries for a week or two so you can make lunch and dinner FIVE TIPS TO SAVE BIG on your own. It can be a fun way to save money, and you can always BUCKS WHEN BUYING split the grocery costs with your A CAR roommates. Most people hate buying a car. CAR POOL TO CLASS with They rate it right up there with get- your friends or roommates. If your ting a root canal--downright schedule with your friends or room- painful. But why oh why is buying mates is the same, try car pooling a vehicle such a nightmare? For once in a while. It saves you all many of us it is the painful negotia- money on gas in the long run since tion to get the best price. Is there you can take turns driving each any way that we can buy a car and week. Also, check to see if your save money without all of the campus has a bus service that you stress?7 can use to get to class. YES! The reason that the BUY YOUR TEXTBOOKS from negotiation is so stressful is that discount Web sites. Textbooks can people don't understand how car be very expensive, especially if you dealerships make their profits: your buy them from your campus book- car loan. This is where the real store. Consider purchasing your profits come into play. And while books from discount Web sites everyone cringes when it comes such as Amazon.corn or Half.com. time to talk about credit, don't let your eyes glaze over just yet, because that's where you need to focus if you want to be a savvy con- sumer and save money. 5 Tips to Save Big Bucks When Buying a Car! 1. Check Your Credit Report Most credit reports contain inac- curate information. It's up to you to find the inaccuracies and correct them - there's no government agency that requires the credit report companies to amend mis- takes to your report. 2. Good Credit Means That You're Ripe for Abuse When you have good credit, banks place fewer restrictions on your loan and that allows dealers to charge you more for the car and inflate your interest rate. So it's crucial to know your lender's condi- tions on your loan up-front. 3. Bad Credit Means the Bank Protects its Money When you have bad credit, the bank places more restrictions on the loan. That gives dealers less wiggle room to add on options or raise the interest rate. But bad credit still means you have fewer options when borrowing money. 4. Get Pre-approved Before You Visit Any Car Dealers That way the dealer is forced to make a deal that fits the conditions outlined by the bank - again, elimi- nating that profit wiggle room. 5. Have an Exit Strategy Don't let the lust for leather seats and a premium sound system melt your brain. When buying a car, keep in mind at some point you'll sell that car. So you must be smart. You'll pay much more for options than you'll recoup when selling it down the road. Mark Marine author of "Don't Kick the Tires, Kick the Dealer" says that consumers also need to know that when it comes to their credit, the best thing they can do is pay their bills on time and beware of 'credit repair' scares. "Understand that not all of the credit repair companies have your best interests at heart," says Marine. "Some of these compa- nies claim they can hide or remove negative information from your credit report, even if that informa- tion is true. But they can't. In some cases after they've 'repaired' your credit, your score drops even lower than before you went to them." When it comes to your credit and buying a new car, consumers need to be informed. Check your credit score, get pre-approved first, and plan your exit strategy. A car purchase will affect your economic liife for roughly three to seven years. That's a long time to be stuck in a bad deal. BASS PRO SHOPS SEEKS ANTIQUE SPORTING MEMORABILIA AND HISTORIC PHOTOS Springfield, Missouri--You're up in the attic digging around and find that old collection of wooden lures you started as a kid. Maybe you are redecorating and the antique snowshoes and moose antlers don't quite go with your wife's idea of 'shabby chic.' Or, maybe, you are just one of those people that feel a special tug' of memory when you see some antique piece of sporting equipment or an old fishing or hunting photo. Suddenly, you're transported back to that special deer hunt with your dad when he gave you your first rifle; or the fishing trip with your grandfather when he handed you his favorite lure and 'forgot' to get it back; or you are, once again, on the annual family camping trip eat- ing out of the old ice chest that held Mom's cold turkey sandwiches, Cole slaw and strawberry short- cake. Bass Pro Shops feels the same way you do about these mementos that celebrate our nation's wonder- ful outdoor heritage and would like to help preserve them for our chil- dren, our children's children and all the future generations to enjoy and appreciate. With your help, Bass Pro Shops will create a lasting historic display that honors the great outdoors. They will enshrine your artifacts, photos and treasures in America's great outdoors stores--the Bass Pro Shops Outdoor World stores--- and give you and your family appro- priate recognition. Currently, Bass Pro Shops is seeking quality antique fishing, hunting, camping or other outdoor sport items, any North American game mounts, or old historical fish- ing and hunting photos from the 1800's to the 1960's for the new store being built in Denham Springs, Louisiana. If you have any such items and would be inter- ested in Bass Pro Shops taking a look at them, please contact Allen Morris at 417-350-5710 or email him at amorris@basspro.com. All original photos will be returned to the owner if received by mail and if used in the store's decor, the owner will be given cred- it. If you choose to email the pho- tos, please scan them in a 300 dpi and 8x10 format or you may select to place them on a disk and mail ! :- -:-. : " ' ' : '" -. :"-'J .L 'I : Phone :- F Fax. i THE SOUTHERN HERALD Liberty, Mississippi .I 601-65"7-8592 :; 601-657-4422. November 8, 2007 Page 5 ] t i : ment of metat roof panels and fas- i ' cias on bleacher pavilions and dugouts, and new insulated metal roofing on the soccer pavilion. "This partnership is the engine :;! Convenience Store,driving the Public Assistance pro- i gram," said Sid Melton, director of ! P.O: Box 522 911 'East Main Street LiberW, MS 39645 I the FEMA Mississippi Transitional " . Jerry & Key Miller-Owners .' i Recovery Office. "Public Assis- : ~. z 4,~) . = tance is helping to fuel the recov- them to the attention of Allen Mor- ris, Bass Pro Shops, 2500 E. Kear- ney, Springfield, MO 65898. Give those snowshoes and moose antlers a place of honor and, at the same time; help bring a smile to someone's face as they remember their own wonderful out- doors past. TEACHING TEENS HOW TO GAIN FINANCIAL FREEDOM 7 tips you can use now to secure financial future for your children In an age when foreclosures are at a record pace, credit card debt is hitting new highs and personal sav- ings are at an all time low, millions of American families are worried about their children's future. While they'd like to teach their kids about finances, the sad truth is many par- ents are not skilled enough with their own money to offer solid guid- ance. And financial literacy - a skill young people desperately need - isn't taught in high school. That's where Vince Shorb comes in. A self-made millionaire at age 32 and creator of the interac- tive multi-media course "Financially Free by 30," Shorb is a young adult financial literacy advocate and expert. His goal is to teach teens and young adults how to avoid the ever-growing pitfalls of racking up debt by empowering them with the knowledge to become financially self-sufficient. "Polls show that students, ages 15-21, feel unprepared to face the complex world of the 21st century," says Shorb. "Most education efforts are focused on encouraging high school students to enroll in col- lege instead of how to manage their future finances. The sad part is that all that misdirected preparation results in a third of these students ending up with a bachelor's degree and the average college grad hav- ing over $20,000 in debt." Shorb offers 7 basic tips that you can share with your children in order to start them off on the path to financial freedom: 1. Learn to distinguish needs vs. wants. To counter the lifelong effects of advertising it is important you distinguish the difference between a need and want. A need is something you must have (like food, shelter and clothing). A want is something you would like to have that's not a necessity such as designer clothes or an iPod. When you have enough savings to cover your needs, then you can focus on your wants. 2. Ditch costly everyday habits. A four dollar coffee five days a week equals more than $1,000 a "year. Suggest they write down their everyday expenses, what Shorb calls the 'money diary' exer- cise. It's a great way to show them how even the smallest expenditure can add up! 3. Develop a savings plan. Help your child compare what they make in a month verses how much they spend in a month. Then using this information, construct a month- ly budget to help them start saving! Shorb says with simple investments and saving $250 a month they could be a millionaire by age 40. 4. Pay yourself first. With the average American spending beyond their means, teach your child to be a money rebel and not do what the average person is doing. It will seem tough to see the benefit of this at first, but if they automatically deposit a percentage of their paycheck into a savings account, they won't miss it! As you know, a savings plan is the corner- stone for financial freedom. 5. Get Your Accounts in Order! At a bare minimum, young people should open 1 checking account and 2 savings accounts. Of the two savings accounts, one should be used for long term planning and the other for their fun money - things they want to do now. Shorb finds that young people that are able to set up and adequately man- age these accounts gain the ability to not only save more but also learn some investment basics. 6. Start investing now. It is never too early to benefit from investments! Young people can make simple investments having lit- tle to no knowledge of the stock markets. Shorb says the S&P 500 Index could make a sound invest- ment for young investors. It gives them the opportunity to own a little piece of 500 different companies. This will show them that investing is easy while lowering the risk and delivering consistent returns! 7. Write out your lifestyle goals. Young people are not motivated by money it's what money allows them to do. Places they want to travel, toys they want to have and how they can make a positive impact in the world Find out the type of lifestyle your child wants to live and help them find out what they need to achieve them. Have them be as specific as possible, including how much money they need to make every month to meet their savings and lifestyle goals. There is nothing worse than see- ing your child in their mid-twenties, toiling in more debt than you ever did at that age. By taking a proac- tive approach as a parent, you can have an instrumental role in provid- ing a brighter future for your child. Shorb believes that if you can pass the above financial tips onto your children, and show them how to apply them to their everyday life, they will not only be able to start building a financially secure future, but escape shackles of life long debt. WORK SET TO BEGIN ON BILOXI SPORTS COMPLEX; SMALL CRAFT HARBOR PROJECTS MOVING RIGHT ALONG The City of Biloxi has awarded a $170,000 contract to Mandal's Con- struction of Gulfport to make storm repairs to the roofs of dugouts and pavilions at the Biloxi Sports Com- plex. Work at the 66-acre complex is expected to begin within the next two to three weeks and should be completed sometime in March 2008, according to Vincent Creel, City of Biloxi public affairs manager. "We appreciate the patience of the athletes and parents who have been using this facility for months," Mayor A.J. Holloway said. =This work is going to restore this facility to the premier condition we enjoyed before the storm." The project includes replace- ment of metal ridge caps on several concession building roofs, replace- ery." Work began on Sept. 17 on the $7.5 million FEMA Public Assis- tance project to reconstruct the city's Hurricane Katrina-ravaged small craft harbor. The contract calls for the work to be completed in 180 days. FEMA has obligated funds for more than 50 harbor, pier, dock and related waterfront projects in the city. "Waterfront access is vital to a city like Biloxi, which is on a penin- sula," Holloway said. "It's important to our local boat owners, to our res- idents and to our millions of visitors, and we're very happy that this FEMA project is going to return one of our most important assets." The impending construction is an overt sign that demonstrates Mississippi's steady recovery from the Aug. 29, 2005, storm. The har- bor construction is one of many funded projects in the partnership of FEMA, the state, and local offi- cials in recovery efforts. The grant is part of FEMA's Pub- lic Assistance program, which pro- vides financial assistance to state and local governments and certain non-profit organizations for disas- ter-related clean-up and rebuilding efforts. The grants help rebuild or restore buildings and infrastructure to pre-disaster condition. While these grants are aimed at govern- ments and organizations, their final goal is to help a community and all its citizens recover from devastating natural disasters. The funds are administered by the Mississippi Emergency Management Agency. You c,:mnot base your life on what government does or how your tax dollars are being spent; youve got to vote well, and then chart your own course; vote well, and then take charge of your own life Jim Rohn I Fill In The Blanks Using Your Bible. I If you are trying to talk to someone about something very important} and there is a noisy gong or clanging cymbal does this help or hurt theI communication? If I don't have,I have become a noisy gong. I L never fails. But, according to the apostle Paul, the miraculousI gifts of p. t,and k will pass away. I Mr. and Mrs. Emmett Sullivan enjoyed a trip to California, where they visited with family members. The visit was enjoyed immensely. Sympathy is extended to the family of Houston Travis and John Ben Spears. Chris and Angle Duck enjoyed a trip to the Bahamas for a week and returned home safely. Bonnie McMillan, Inez Tate and Mina Jean Travis enjoyed attending a DAR meeting over in Monroe, La. and returned home safely. Get well wishes go out to Donald Woodard, Cecil Welch, Leroy Nevels and Bonnie McMillan. October 31, 2007 there was a Halloween get together for the Cub Scouts. It was held at the LDS Church in Liberty, and was enjoyed very much. Happy belated birthday wishes go out to Wanda Blalock. Saturday, November 3, 2007, visitors in the home of Ruby Smith, of Summit, were Nan Welch of Kentwood and Stormy McCoy and daughter of Hillsdale, La. The visit was enjoyed by all. The Tower Hill Church had a Halloween Fall Festival, where all who attended enjoyed it very much. Happy birthday wishes go out to Mary Ann Harrell and William Bran- denburg, Sr. November 2, 2007 there was an ASC Fall Festival at the school with a country store. There was also a cake walk and many other enjoyments for every to participate in. Congratulations go out to the Oak Forest Academy on their win Friday night over Hunington Academy. OFA will play Friday night against Brookhaven Academy at 7:00 p.m. : TI 'OT' :RUNNIN G OUT OF MpN y R.UN ON IN TODAY AND GET SOME C skSH -- IN A FLASH! . I* WF (IAN GIVE YOU TI-IE CASH YOU NEED ;FODAY[ CAb:' Now