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MORE SCHOOL NEWS, MORE SOCIAL NEWS, MORE CIVIC NEWS,MORE LOCAL NEWS,
MOREHOMETOWN NEWS!!!
Keep up with all theactivities in your areaby subscribing to the
Hometown News.See the subscription box
on page 2 in today’s issue.
Hometown News, Wednesday, July 17, 2013, Page 3
SSaavvvvyy SSeenniioorr
St. John UCCRobinson
We would like to invite every-one to come hear Pastor Scott Spence at St. John United Church of Christ at Robinson, on Sunday mornings at 10:35 a.m. The church is located at 100 South Robinson Drive.
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Subscribe TODAY to the Hometown News
First Baptist Church Robinson First Baptist Church Robinson,
located at 104 W. Stegall, invites everyone to Worship Services.
On Sundays, Sunday School starts at 9:15 a.m. and Worship Service is at 10:30 a.m. Evening Worship Service is at 6:00 p.m.
There is something for everyone at First Baptist Robinson, where you will be welcome.
BRAZOS MEADOWSBAPTIST CHURCH
625 S. Hewitt Drive, Hewitt
Join Us For:Bible Study – 9:15 a.m.
Worship Service – 10:30 a.m.“A Family where your family will feel at home”
www.brazosmeadows.org
Debt Counseling Programs Can Help
Seniors withFinancial Problemsyou ask the SeNior questioN~We FiNd the SAVVy ANsWer
Dear Savvy Senior,What resources can you recom-
mend to help seniors with finan-cial problems? I hate to admit it, but I’ve fallen behind on my house payments and have accumulated quite a bit of credit card debt over the past few years. Where can we get help?
In Debt At 70Dear In Debt,
There are actually a number of free and low-cost resources avail-able today that can help seniors who are struggling with credit card and/or mortgage debt. Here’s where you can turn to for help.
Credit CounselingTo help you get a handle on
your credit card debt, a good place to start is at a credit-counseling agency. These are non-profit agen-cies that offer free financial educa-tion and advice on how to handle financial problems.
And if your debt is significant, they can set you up in a debt-man-agement plan (DMP) that allows a counselor to negotiate with your creditors to lower your interest rates and eliminate any late fees and other penalties. The agency will then act as a consolidator, grouping your debts together into one payment that you would make, and distributes those funds to your creditors. Most agencies charge a one-time $30 set-up fee and a monthly maintenance fee of around $20 for a DMP.
To locate a credible agency in
your area, use the National Foun-dation for Credit Counseling web-site at debtadvice.org or call 800-388-2227.
Do not use a for-profit debt settlement company that claims to settle all your debt, or cut it in half for a fee without counseling. Most of these companies use deceptive practices and will only leave you more in debt then you already are.
Foreclosure HelpIf you have fallen behind on your
mortgage payments, or if you have already received a letter or phone call about missed payments, you should contact your lender imme-diately to explain your situation and see if you can work out a pay-ment plan. Be prepared to provide your financial information, such as your monthly income and ex-penses.
You can also get help from a housing foreclosure avoidance counselor. These are HUD-ap-proved, trained counselors that will work with you, examining your financial situation, and offer guidance on how best to avoid de-fault or foreclosure. They can also represent you in negotiations with your lender if you need them to.
To find a government-approved housing counseling agency in your area, use the National Foundation for Credit Counseling website or phone number previously listed. Or for a larger selection of hous-ing counseling options, see the Department of Housing and Urban Development website at hud.gov – click on “Resources” at the top of the page, then on “Foreclosure Avoidance Counseling,” or call 800-569-4287.
Another helpful resource you should know about, and one your counselor can help you explore, is the Making Home Affordable program. Created by the Obama Administration in 2009, this pro-gram offers struggling homeown-ers the opportunity to modify or refinance their mortgage to make their monthly payments more af-fordable.
It also includes the Home Affordable Foreclosure Alternatives Program for those who are interested in a short sale or deed-in-lieu of foreclosure. To learn more about these programs and their eligibility requirements see makinghomeaffordable.gov or call the Homeownership Preservation Foundation’s HOPE Hotline at 888-995-4673.
Financial AssistanceYou also need to make sure
you’re not missing out on any fi-nancial assistance programs. The National Council on Aging’s web-site (benefitscheckup.org) contains a database of more than 2,000 fed-eral, state and local programs that can help seniors with prescription drug costs, health care, food, utili-ties, and other basic needs. The site will help you locate programs that you may be eligible for and will show you how to apply.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit Sav-vySenior.org. Jim Miller is a con-tributor to the NBC Today show and author of “The Savvy Senior” book.
Sul Ross DanceClub Schedule
The Sul Ross Dance Club spon-sors a dance each Thursday from 7:00 p.m. to 10:00 p.m. at the Sul Ross Senior Center located at 15th Street and Waco Drive (1414 Jef-ferson). Admission is $5. You will find one of the best dance floors in this area along with a clean whole-some atmosphere with no smok-ing, no alcohol, and security is pro-vided. Line dancers welcome. Top Country Western Music featured.
You will like what you see!July Schedule
July 18 – Roger Kirby & Texas Heartbeat Band
July 25 – The Lawmen Country Band
Come on out and enjoy! It’s a great place for birthday parties or company gatherings.
For more information, call (254) 662-0410 or (254) 717-1608 or visit www.sulrossdanceclub.org.
NEATContinued from page 2
Young At Heart Dance Club
The Young at Heart Dance Club has a dance each Tuesday night from 7:00 p.m. to 10:00 p.m. at the Sul Ross Center located at 1414 Jefferson.
All dances are alcohol and smoke free, refreshments are served, and door prizes are given each week. Admission is $5.00.
Our last two dances for July are:
July 23 – Texas HeartbeatJuly 30 – Frankly CountryEveryone is welcome to come
enjoy the music and fellowship.For information, call 254-799-
7081 or 254-666-6235.––––––––––
BeaverRemoval
Anyone having trouble with beavers on their property in Lime-stone, Falls, or McLennan Coun-ties, should contact Danny LaFa-vor will trap those beavers free of charge.
Please call the McLennan County Extension office at 254-757-5180 and in turn he will be contacted.
A fullycustomized
cleaningin a one-size-fits-all
world.
254-420-6243
Piano and Violin Costume Party RecitalCheers the Elderly at Regent Care Center
On Saturday morning, April 27, over 200 people attended a Piano and Violin Costume Party Recit-al, all students of teacher Tabitha Hymer of Hewitt, at Regent Care Center in Woodway. Each student dressed up like the piece that he or she chose to play. Costumes included Indians, princesses, Chi-nese, Mexican, mobster, graduate, pirate, butterfly, candy corn, Phan-toms, cats, rabbit, mermaid, elf, dinosaur, old man, detective, Mary Poppins, angel, Wendy from Peter Pan, ballerina, masked horseman, surfer and Darth Vader.
Some of the pieces performed were “Colors of the Wind”, “Little Bunny Foo-Foo”, “Rock Around the Clock”, “The Mermaid”, “Jumpin’ Jazz Cat”, “Top Cat”, “The Notorious Pirate”, “Surf-er Girl”, “Monarch Mountain”, “Over the Rainbow”, “Think of Me”, “Speak Softly Love”, “Mu-sic Box Dancer”, “Beauty and the Beast”, “The Masked Horseman”, “Great Wall of China”, “Super-califragilisticexpialidocious” and “Gumdrop Factory”.
The residents enjoyed clapping with “The Mexican Hat Dance” and “Chapanecas” played by Israel Suarez and Mable Solis. Ages of the students playing ranged from 5 years old to 82. A fast and fiery duet, called “Fire Dance” was played by students Patrick William and Lauren Miller. About seven duets were played total in both recitals.
Awards were also presented at this recital. On February 23rd many of the students were judged by a professional music judge other than their own teacher for the National Federation of Music Clubs Festival. These students were awarded National Honor Certificates for superiors and con-secutive superiors at the recital. Lauren Miller and Andrew Ham-ilton were awarded gold cups for earning a total of 15 points in this festival. A student can earn up to 5 points a year by playing two piec-es from memory accurately. For each additional 15 points earned, the gold or silver cups awarded will be larger.
NFMC was founded in 1898 and has grown to be one of the world’s largest nonprofit music organizations. It is the only music organization member of the United Nations, and is also chartered by the United States Congress. For more information about this festival, visit the website www.nfmc-music.org.
Some of the residents attending this recital were the transfer nurs-ing home victims of the West fer-tilizer plant explosion occurring on April 17th.
“We had such a great audience of residents in addition to the usual family and friends. This is a great opportunity for the students to see that they really can give happiness through their music to the com-munity and have fun at the same time.” said Ms. Hymer.
PIANO AND VIOLINstudentsofTabithaHy-mer(Hewitt)performeda twopartcostumeparty recital for the elderly at Regent CareCenter inWoodwayonApril27th.Theper-formers were dressed like the piece theychose to play. Participants in the first recital at 10:00 a.m. were: Front row (l-r) BriannaMcDaniel (Bruceville), Neon Zheng (Wood-
way), Lorien McDaniel (Bruceville), FionaFulton (Lorena), Catalina Lind (Waco), Mi-chaelGaribay(Waco),MaggieLind(Waco),Sabrina Zheng (Woodway), McLaren Wil-liamson(Lorena),AllyReeder(Waco).Oth-erswhoplayedatthisrecitalwereMableSo-lis(Hewitt),IsraelSuarez(Waco),HaleyKim(McGregor)andJonahKim(McGregor).
PARTICIPANTS of Ms. Hymer in the10:45 a.m. recital were: Front row (l-r)A.J.Watson(McGregor),MeredithWatson(McGregor), Katie Hilton (McGregor),Caroline Schrader (Lorena), MadisonCoons(Hewitt),RachelHilton(McGregor),
EmilyRoberts(Waco),RanceHall(Waco);Back row (l-r) Audrey Giesler (Chilton),RachelGonzalez(Marlin),MadisonFetsch(Waco), Lauren Miller (Hewitt), PatrickWilliams (Waco) and teacher TabithaHymer(Hewitt).
Club and Church News
Texas Motorcycle Rights Assoc.
To MeetCome join the Texas Motorcycle
Rights Association (TMRA2 Heart of Texas District 22 Waco, Texas) every third Sunday of the month at 2:00 p.m. at The American Legion Post 121 (formerly Linden Hall), 722 Leroy Parkway (FM 308), Elm Mott, Texas.
The organization is “Dedicated to defending and preserving the rights of All Motorcyclists”
For more information, contact Jimmy Aguirre, Waco Chapter Coordinator, at 254-881-5791 or e-mail [email protected].
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dividers; one for handouts and one for homework. Purchase some colored notebook paper to place in the homework sections to serve as a homework journal: if they don’t have a handout, the assignment can be written on the colored paper.
The front window pocket should be used to personalize the note-book. Schoolwork is lame and a fun binder will add a little spice and personal ownership of the contents. The back window should be reserved for the business end of school: schedules, notes to go home, calendars, etc. The pockets inside the binder are going to be holding areas. They should be to-tally dedicated to papers needing holes punched.
If you and your soon-to-be star student decide on this method, be sure to purchase a hand-held hole punch to live in the backpack. Then take the time to demonstrate how to use an existing paper as a template for punching. No excuses needed.
Note that EVERYTHING won’t fit in the binder and that it should be cleared out regularly. Handouts containing information should be kept in the binder while com-pleted schoolwork should be kept in a separate color-coded folder. The folder should have two pock-ets: one for information worthy of studying and one for papers with answers and no questions listed. This will make locating study ma-terials a cinch!
Two more organizing bonus tips:
Buy solid color book covers so the books are consistent with the folders and dividers.
The looks of school supplies can greatly impact how well they are used. Even adults use organizing supplies better when they are fun and representative of our person-ality. Be frugal elsewhere.
Until next time, have a NEAT day!
Jennifer Snyder, Certified Pro-fessional Organizer
Neat as a Pin Organizing Ex-perts/www.neatasapin.net
Facebook & Pinterest: Neat as a Pin Organizing Experts
Twitter: @neatasapin
Texas Notary Law & Procedures
SeminarsThe Heart of Texas Council
of Governments (HOTCOG) is hosting Texas Notary Law & Procedures Seminars which will be presented by the State Notary Commission. The seminars will be held on Thursday, August 8, 2013, from 1:00 p.m. to 4:00 p.m. at the Heart of Texas Council of Govern-ments, located at 1514 South New Road in Waco.
This notary training is pro-vided specifically for Texas No-taries. This class is excellent for both current and prospective no-taries and will provide you with the most up-to-date information available. In addition to answer-ing your questions, the class will cover New Legislation from the 82nd Legislative sessions (Don’t Miss it!), Current Notary Laws, Proper Record Keeping, Avoiding Official Misconduct, Administer-ing Oaths & Acknowledgments, Legal Procedures & Processes of Notarization, Liability Protection Practices for Notary & Employ-er, Apply for your Notary Public Commission.
No credit cards are accepted.To register, call 1-512-497-
2253.
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