Citizens Journal (Atlanta, Tex.), Vol. 111, No. 124, Ed. 1 Sunday, July 29, 1990 Page: 5 of 12
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Citizen* Journal, Sunday, July 20, 1980 BA
Commerce Trends
Dentists
feted with
awards
Three local dentists received
the Academy of General Den-
tistry's prestigious Fellowship
Award during a special
cpremony at AGD's annual
meeting July 16 in San Francis-
co.
They included Michael L.
Giesler D.D.S, Steven Wade
Karbowski D.D.S, and Steven H.
Pratt D.D.S.
Giesler graduated from the
University of Texas Dental
Branch at Houston in 1976. He
maintains a private practice in
Atlanta and is on staff at Atlanta
j Memorial Hospital.
Dr. Giesler is a member of the
American Dental Association,
the American Orthodontic
Society and the Texas Dental
Association.
In the community Dr. Giesler
is a member of Rotary Interna-
tional, the Chamber of Com-
merce and the First United
Methodist Church. He and his
wife Diane have two children,
Lanny and Cody.
Dr. Karbowski graduated from
the University of Texas Dental
Branch at Houston in 1977. He
maintains a private practice in
Atlanta.
Dr. Karbowski is a member of
the American Dental Association
and president of the Texas Den-
| tal Association where he pre-
j viously served as
I secretary/treasurer and vice
president.
In the community, Dr. Kar-
bowski is a deacon at First Bap-
tist Church. He and his wife Bar-
bara have two daughters,
Michelle and Aimee.
Dr. Pratt graduated from the
University of Texas at San An-
tonio in 1981. He maintains a
private practice in Atlanta.
Dr. Pratt is a member of the
American Dental Association,
the Texas Dental Association
and the Ark-La-Tex Dental Con-
gress.
In the community, he is active
in the Lions Club.
The academy is the second
largest dental organization in
North America. Its 30,000 mem-
bers are dedicated to continuing
dental education in general prac-
tice. To earn the Fellowship
Award, AGD dentists must com-
plete more than 500 hours of
continuing education within 10
years and pass the fellowship
exam.
Stations take
new approach
on economy
In an effort to help stimulate the
local economy, radio stations KPYN
and KALT are turning back the
hands of time. Effective Aug. 1, for
a six-month trial run, the stations'
advertising rates will be reduced to
levels that are actually less than
they were a decade ago.
General manager David Worn-
mack said that over 70 empty busi-
ness locations were spotted in the
Atlanta and Queen City areas, rein-
forcing the observation that the local
economy has lost a lot of its base in
the past few years.
Wommack said that "each of us
must try to find a way that we can
aid the area's economy... and^we
believe rolling back our rates will
boost the local businesses' and
thereby boost the area's economic
level,"
For Life Insurance,
check with
State Farm.
• Permanent Life • Term Life
• Universal Life
ROGER RICE
pall- 809 W. Main
Atlanta, Tx. 75551
796-9262
m
State Farm Life
Insurance (ompany
Home Office Bloomington, III,
Look for grades when investing
QUESTION: I often see various
Investments advertised Which say,
"Hated AAA," or something similar.
Exactly where do these ratings
come from and how accurate are
they?
ANSWER: Standard & Poors
Corporation along with Moody's In-
vestment Service provide the rat-
ings you see attached to bonds.
These ratings are a guide to the
credit risk of the investments being
rated. For example, an investment
rated AAA would be perceived by
both rating services to have very,
very low risk. By contrast, junk
bonds are rated B or below. These
ratings are updated often and can
be regarded as reliable.
Q: I recently saw an ad for some
"non-rated bonds." What does that
mean?
A: Small bond issues are often
not rated because of the onst to the
underwriter. That doesn't necessari-
ly mean that they are bad but I
would not want a large portion of my
portfolio in non-rated bonds.
Q: How are U.S. Government
Securities rated?
A: U.S. Government Securities
are rated AAA because they are
perceived to have no credit risk.
Q: I own a retirement annuity with
an insurance company. The in-
surance company sent me an an-
nual statement showing a break-
It's Your Money
By Scott Bryan
Manager - Capitol Investment Service
down of the securities backing up
my annuity. I was concerned that
about 30 percent of the bonds in the
insurance company's portfolio were
rated BBB or below. Is this a
problem?
A: The annuity business is very
competitive. Because lower rated
bonds generally pay a higher inter-
est rate some annuity companies
will load up their portfolio in order to
offer more attractive rates to annuity
buyers. This practice defeats one of
the reasons to buy an annuity and
that is safety.
Annuities have been historically
very safe, but failures have oc-
curred in that industry. The Baldwin
Piano Company had a subsidiary
which was in the annuity business.
They invested heavily in low quality
bonds and went broke. This annuity
company had several billion dollars
in deposits.
Q: What can I do to get out of this
annuity?
A: Your annuity may be ex-
changed for an annuity with another
company using IRS rule 1035. You
choose another annuity company,
sign the rollover forms and the new
company will handle the rest of the
transfer.
Q: How can I make sure the new
company that I choose is safe?
A: The A.M. Best Company rates
insurance companies the same way
that Standard & Poors and Moody's
rates bonds. Look for a company
with a rating of A+. That is the
highest rating available and would
indicate maximum safety compared
with other annuity companies.
We will not place any money with
any annuity company that is not
rated A+. There are a lot of in-
surance companies in the annuity
business so we don't believe there
is any reason to compromise safety.
My advice would be to demand to
see the A.M. Best rating of any in-
surance company before you do
any business with them. These rat-
ings apply to all insurance com-
panies whether they sell annuities,
life insurance, health insurance or
casualty insurance.
SWEPCO names new vice president
Southwestern Electric Power
Company President Harry Mattison
was named executive vice-
president and chief operating officer
of the Central and South West Cor-
poration of Dallas, effective Sept. 1.
The announcement was made by
Merle Borchelt, chairman and chief
executive officer of CSW.
Richard Bremer, currently SWEP-
CO vice-president of operations, will
replace Mattison as president and
chief executive officer of Southwes-
tern Electric Power Company.
Central and South West Corpora-
tion is a Dallas-based public utility
holding company. It owns SWEP-
CO; Central Power and Light Com-
pany in Corpus Christi; Public Serv-
ice Company of Oklahoma; and
West Texas Utilities Company in
Abilene.
Additionally, three new SWEPCO
vice-presidents have been named
as part of a major management
realignment.
Marvin McGregor was named
vice-president of Marketing and
Business Development, Michael
Heard was named vice-president of
Division Operations and Dennis
Sharkey was named vice-president,
Finance. All three have been
elected to the SWEPCO board of
directors.
BE&K workforce sees reduction
Journal Staff Report
BE&K Construction Co. an-
nounced last week that they were
reducing the size of their work force
in some areas to reflect a change in
shift schedules and labor require-
ments.
"We initiated a reduction in the
work force of about 150 laborers be-
cause we altered the shift
schedules to get the workers out of
some of the heat," spokesman Paul
Justice said Friday, "and because
we finished up some of the work."
Justice said that where the con-
tractor had been working four 10-
hour shifts and three 13-hour shifts,
a revision had been made to
change weekend schedules to a
nighttime crew.
"Obviously, there is less work that
can be done at night," he explained.
"It's also much cooler for this time of
year.'
Justice also explained that the
construction firm has completed
some concrete and carpentry work,
so there was a reduced need for
laborers.
The Birmingham, Alabama com-
pany is the general contractor on
the expansion and optimization
project at International Paper Com-
pany's Texarkana mill in Domino.
TC slates substance abuse courses
Texarkana College will kick off a
new two-year associate degree
program this fall in alcohol and drug
abuse counseling, according to
David Mueller, dean of instruction.
The two courses that will be of-
fered in this field during the fall
semester are ADC 131, Introduction
to Alcohol Abuse, which will be
taught 6:30 to 9;30 p.m. on Tues-
days, and ADC 135, Pharmacology
of Substance Abuse, which will be
offered 6:30 to 9:30 p.m. on
Thursdays. Both are three credit
hour courses and will last the entire
semester.
"Some people in this area have
been taking non-credit courses in
this field already," Mueller said, "and
they can possibly now turn these
courses into credit ones to apply
toward an associate degree."
He added that anyone interested
in pursuing this possibility or enroll-
Senior menu
The senior citizen menu was
recently released for the upcoming
week. Milk, coffee and tea are
served with all meals.
The Senior Citizen Center is lo-
cated on Miller Street.
Monday: Breaded fish fillet, au
gratin potatoes, mixed vegetables,
cornbread and pineapple.
Tuesday: Spaghetti with meat
sauce, green beans, tossed salad,
french bread and cake squares.
Wednesday: Swiss steak,
mashed potatoes, lima beans,
cornbread and peaches.
Thursday: Turkey, broccoli, sweet
potatoes, hot rolls and pears.
Friday: Pinto beans with ham,
carrots, turnip greens, cornbread
and cookies.
PROFESSIONAL EYE CARE
• DIAGNOSTIC EXAMINATIONS FOR EYE DISEASE
■OUTPATIENT CATARACT SURGERY WITH INTRAOCULAR IMPLANT
•PRE OPERATIVE EVALUATION AND POSTOPERATIVE FOLLOW UP
■MODERN GLAUCOMA SURGERY AND TREATMENT
■ LASER SURGERY
■ EYE EXAMINATIONS FOR GLASSES AND SOFT CONTACT LENS rriTING
■ PERSONAL EYEWEAR CONSULTATIONS WITH OPTICAL SHOP ON
PREMISES
FOR COMPLETE EYEGLASS SERVICE
MEDICARE ASSIGNMENT ACCEPTED
JAY ANT B. RANA, M.D., PA.
EYE CLINIC
1411 College Drive Texcnkcmn, Texas
Telephone: 214 792 3729 (24 hours)
' TOLL FREE: Dial 1 800 544 7262
A FREE GLAUCOMA SCREENING APPT MAY BE
OBTAINED BY CALLING DR. RANA S OFFICE.
The
Goldln Yfajrs
*
(J) vfJP Member
,7imc JiflMwri
jftr/iffi/
It's in their 40s and 50s that people
gain insightsthat brigten their older
years, according to the American
Board of Family Practice Physicians.
A survey of 1,200 men and women
found that most saw middle age as
a period of deepening relationships
and increased concern for the needs
of others. What about mid-life cri-
sis? "Most people experience m idlife
mainly as a period of caring rather
than crisis,"said a researcher. "It'sa
time when people look forward to
increasing closeness and compas-
sion, as opposed to... developing
new relationships or making great
career changes."
* * * *
Presented as a public service to
our senior citizens, and the
people who care about them by
Rose Haven Retreat
P.O. Box 240
Atlanta, Tx., 75551
7%-412 7
L.M. jester, Administrator
Pharmacy & Your Health
Adcock's
Pharmacy
796-2866
119 E. Main Atlanta, Tx.
"Where the custo.ner is our main concern.
Arthur Adcock
Corns: A Common Foot Problem
Coms arc raised accumulations of dry skin thai occur between a bony
prominence on the foot and the shoe. Corns most often result from wear-
ing shoes that fit too tightly. Narrow-toed and high-heeled shoes should
be avoided. Women also should avoid using hosiery that fits too tightly.
Because the small toe experiences the most pressure, it is the site of many
corns. Although coms are not the source of major health problems except
in diabetics, they often produce a great deal of discomfort and can impair
one's ability to walk or run.
There are several nonprescription drug products that, when applied di-
rectly to the skin, aid in the partial or complete removal of corns. Liquids,
lotions, and creams are available. Small adhesive discs or pads are de-
signed to be placed directly on the com. Most of the com "removal" prod-
ucts contain salicyclic acid. This ingredient dissolves the dead skin of
which the com is composed. Using the pad on or around the com eventu-
ally decreases shoe pressure and relieves the pain.
Persons who have diabetes or circulation problems should not attempt
to remove coms with over-thc-countcr products. Damage to the skin could
lead to tissue damage and severe infection.
ing in thi- alcohol and drug abuse
courses should come by TC's
Counseling Center and talk with a
counselor or call (214) 838-4541,
ext. 296.
The courses will be taught by
Jena Howell, a master degreed
member of TC's nursing faculty,
who is also experienced in the al-
cohol and drug abuse counseling
field.
Is your IRA an
under achiever?
We offer a free service that can show you
exactly what your IRA will be worth at
retirement. If it's not achieving the results you
want, I'll show you your options. Remember,
even a small increase in the rate you're earning
today can make a big difference when you
retire. To see just how big. call
or stop by today.
Tom Peavy
707 W. Main
Atlanta, Tx.
796 8233
sAffS*.
Lj Edward D. Jones & Co.
Member New Yor* Stock Exchange, Inc and Securities investor Protection Corporation
"At least our old
mower could
cut something...
the cost of anew
Snapper"
During All American Trading
Days your Snapper dealer
will cut at least $200 off the
price of any Snapper Lawn
Tractor when you trade in
your old lawn mower. And
it's not just Snapper s
great deal that'll
make you feel
good . You re get-
ting the foremost
name in lawn care
Snapper Lawn
o
«a&e
Tractors are serious cutting
machines for those who
. .ant the year round adapt-
ability of a true lawn tractor.
So if you're serious about
getting a great-looking
lawn and a
really great deal,
trade in that old
lawn mower for
America s no-
nonsense lawn
- machine Snapper
\e3^
Offer valid when vou buv at regular retail price Not valid with any other promotion Limit one
trade-in per transaction At participating dealers Hurry otter ends soon
Dean's Small Engine Repair
Rl 1, Box 155 Bivins, Texas 75555 FM 251 'Htittines Road' 8 1/2 Mi from Atlanta
Dean Dupree - Owner
(214) 796 4315
d
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Citizens Journal (Atlanta, Tex.), Vol. 111, No. 124, Ed. 1 Sunday, July 29, 1990, newspaper, July 29, 1990; (https://texashistory.unt.edu/ark:/67531/metapth348064/m1/5/?rotate=90: accessed July 16, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Atlanta Public Library.