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April 2013

M O V I N G F O R WA R D . T O G E T H E R

Harold Melvin’s Blue Notes

Clarenc

e Carter

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WHAT WE ARE Radcliff Review is a free monthly newsletter that will feature positive, inspirational articles for all people. Issues will include a profile of a local celebrity from Radcliff, KY or surrounding areas; relationships/business advice, events and more. The staff of Radcliff Review values your opinions and insight. Moving forward, together.

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In This Issue of Radcliff Review

Table of Contents Page 2

Citizens on the Move Page 4

THE Money Corner Page 5

Cover Story Page 6

Pastor’s Corner Page 8

Health & Beauty Page 10

Page 11 Bulletin Board

Pre Derby Selection

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Since November of 2006,Stan Holmes has served the City of Radcliff, KY as Councilmember with a vision. A vision to help improve the city by working with all walks of life and political af-filiations.

Councilman Holmes is currently serving his 4th term as a coun-cilmember with the City of Rad-cliff. His has served others all through the military and com-

munity service from taking students on college tours to cre-ating teen job fairs to keep our youth out of trouble in the summer time. He believes in the cause of serving others be-cause, “when we serve, others can grow’”

One of his life motto’s is that “some decide to follow, while others desire to take the lead.” We must find out which place we need to be and then do it. There are too many lives to save, to many people to reach for your talent to go to waste.

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Growing Interest in ETFs

The first exchange-traded fund (ETF) in the United States debuted in 1993 as an alternative to mutual funds. Interest in ETFs grew slowly at first but increased substantially over the last decade. By May 2012, there were more than 1,200 ETFs

available with total assets exceeding $1.1 trillion.1

Even so, ETFs remain somewhat mysterious to many people. In a survey of investors with at least $25,000 in investable assets and some familiarity with ETFs, 46% of respondents considered themselves ETF “novices,” and 25% indicated they did not understand the costs associated with ETFs or how to use them appropriately in their investment strategies.2

Part Mutual Fund, Part Stock Like mutual funds, ETFs comprise a portfolio of securities assembled by an investment company. Unlike mutual funds, which are typically purchased from and sold back to the investment company and priced at the end of the trading day, ETF

shares are traded throughout the day on stock exchanges at prices determined by the market. Investors can buy and sell ETF shares through a brokerage account just as they could with the shares of any publicly traded company. Supply and demand could make the share price of an ETF higher or lower than the value of the underlying securities.

Most ETFs are passively managed and track an index of securities. Investors can choose from a wide variety of indexes, including different categories of stocks, bonds, commodities, and other market sectors. Recently, a small but growing number of actively managed ETFs have become available in which the investment company assembles a unique mix of investments to meet a particular objective and policy.

Because of their trading flexibility and the variety of investment options, ETFs could play a helpful role in diversifying your portfolio to reflect your risk tolerance and long-term goals. Diversification is a method used to help manage investment risk; it does not guarantee against loss.

Exchange-traded funds typically carry lower expense ratios than mutual funds and may be more tax efficient. However, purchasing ETF shares generally involves a brokerage commission that can add significantly to the expense, especially if you trade often. The trading flexibility of ETFs may lead some in-vestors to trade them more often than they would other securities, which could alter an otherwise sound investment strategy.

The principal value of ETFs and mutual funds will fluctuate with changes in market conditions. Shares, when sold, may be worth more or less than their original cost.

By combining some attributes of stocks and mutual funds, ETFs may offer an appealing investment opportunity. However, they may not be appropriate for everyone. A decision to include them in your portfolio should be based on an examination of your overall investment strategy.

Exchange-traded funds and mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

1) Investment Company Institute, 2012 2) Business Wire, September 22, 2011

The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is de-rived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. Copyright © 2012 Emerald Connect, Inc.

James Marshall Financial Advisor

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Born in Montgomery, Alabama on January 14, 1936,[1] Carter attended the Alabama School for the Blind in Talladega, Alabama, and Alabama State College in Montgomery, graduating in August 1960 with a Bachelor of Science degree in music.His professional music career began with friend Calvin Scott, signing to the Fairlane label to release "I Wanna Dance But I Don't Know How", as Clarence & Calvin, the following year. After the 1962 release of "I Don't Know (School Girl)," the pair joined Duke Records, renaming themselves the C & C Boys and releasing four singles for the label, though none were commercially successful. The duo performed regularly in clubs in Birmingham, Alabama in 1966. After Scott was seriously injured in an auto accident, Carter continued as a solo singer, and recorded for the Fame label. In 1967 he recorded "Tell Daddy", which reached no.35 on the Billboard R&B chart and inspired Etta James' answer record, "Tell Mama", for which Carter was credited as co-writer. At the end of 1967, Carter joined Atlantic Records. He then began a string of hits on the R&B and pop charts, starting with "Slip Away" (no.2 R&B, no.6 pop), which has been described as "a superior cheating ballad spotlighting his anguished, massive baritone alongside the remarkably sinuous backing of Fame's exemplary backing band", and "Too Weak To Fight" (no.3 R&B, no.13 pop). Carter continued to have hits in 1969 and 1970, with "Snatching It Back", "The Feeling Is Right", "Doin' Our Thing", and "I Can't Leave Your Love Alone" all reaching both the US pop and R&B charts. The B-side of "Snatching It Back" was a re-make of a remake of James Carr's "The Dark End of the Street." Carter's biggest hit came in 1970 with his version of "Patches", first recorded by Chairmen of the Board, which was a UK number 2 hit and a US number 4. The record sold over one million copies, and received a gold disc awarded by the R.I.A.A. in September 1970, just two months after its release, and won the Grammy Award for Best R&B Song in 1971. Following "Slip Away" and "Too Weak to Fight", it was Carter's third million-seller. However, Carter's later record releases were less successful, and he left Atlantic at the end of 1971 to rejoin the Fame label. In 1975 he signed to ABC Records, releasing three albums including Loneliness and Temptation. With the advent of disco in the mid 1970s, Carter's career suffered. However, he signed for Ichiban Records in 1985, and found a new audience with songs such as "Strokin'" and "Dr. C.C." in the 1980s and 1990s. "Strokin'" was given further acclaim when it was used in the Eddie Murphy remake of The Nutty Professor. It was most recently used in William Friedkin's film Killer Joe. Carter's later songs appealed (and still appeal) to a primarily African-American working-class audience that was also interested in contemporary blues and soul artists such as Denise LaSalle, Bobby Rush, Marvin Sease and Sir Charles Jones. He has continued recording, releasing six albums for the Ichiban label and, since 1996, establishing his own Cee Gee Entertainment label. He has also continued to tour regularly in the Southern states and internationally. Clarence Cater will be in Concert on April 20, 2013 at the PAC in Etown, KY you can get tickets to hear this incredible award –winning artist at www.thePAC.net

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The group formerly known as The Charlemagnes took on the name "The Blue Notes" in 1954, with a lineup consisting of lead singer Harold Melvin , Bernard Williams, Roosevelt Brodie, Jesse Gillis, Jr., and Franklin Peaker. The group recorded for a number of labels without success from its inception into the 1960s. In 1970, the group recruited Teddy Pendergrass as the drummer for their backing band. This line-up of the group, featuring Melvin, Pendergrass, Bernard Wilson, Law-rence Brown, and Lloyd Parks, was signed to Gamble & Huff's Philadelphia International label in 1972, scoring several major R&B and pop hits including million-selling singles and albums over the next four years. Among the Blue Notes' most important and successful recordings are love songs such as 1972's "If You Don't Know Me By Now" (#1 Billboard R&B, #3 pop), their breakout single, "I Miss You" (#7 R&B, #58 pop), "The Love I Lost" (#1 R&B, #7 pop, 1973) and socially con-scious songs such as "Wake Up Everybody" (#1 R&B, #12 pop) and "Bad Luck" (#4 R&B, #15 pop), both in 1975. "Bad Luck" holds the record for the longest-running number-one hit on the Hot Dance Music/Club Play chart: 11 weeks .The group recorded four albums with Gamble & Huff, all of them going gold (over 500,000 copies), according to RIAA, includ-ing "To Be True (#26, Billboard Top 40 albums) and "Wake Up Everybody" (#9), both in 1975. "Wake Up Everybody" and a greatest hits compilation released in 1976 called "Collector's Item" have now sold over a million copies. Despite success, the Blue Notes' lineup continued to change regularly. In 1974, Melvin brought in Jerry Cummings to replace Lloyd Parks and Sharon Paige was added to the lineup at that time, providing solo performances on several recordings. While at the top of their success in 1976, Pendergrass quit .Later Melvin replaced Pendergrass with David Ebo while Cummings and Wilson also left. The Blue Notes departed Philadelphia International and joined ABC Records in 1977, where they record-ed two albums produced by Melvin. "Reaching for the World" (#7 R&B, #74 pop) became the group's last major-selling single. Harold Melvin, Jerry Cummings, and new members Dwight Johnson, David Ebo and William Spratley moved to MCA Records and, in 1980, recorded two commercially successful albums, again with Melvin as producer. Gil Saunders took the lead position in 1982, replacing David Ebo. With Gil Saunders, the group had success in the United Kingdom with the Philly World album Talk It Up (Tell Everybody), and singles such as "Today's Your Lucky Day" and "Don't Give Me Up". Harold Melvin continued to tour with various lineups of Blue Notes until suffering a stroke in 1996. Melvin died on March 24, 1997 at the age of 57. Legacy of Harold Melvin & the Blue Notes are arguably the most-covered Philly soul group in history many of their hits have been re-recorded by other artists, including Simply Red, David Ruffin, Jimmy Somerville, Sybil, and John Legend, while dance music DJ Danny Rampling cites "Wake Up Everybody" as his favorite song of all time. Today, Melvin's widow, Ovelia currently manages Harold Melvin's Blue Notes, featuring lead singer Donnell "Big Daddy" Gillespie, Anthony Brooks, Rufus Thorne,Ronnie Canada, John Morris and Sharon Paige. –

Harold Melvin’s Blue Notes will be in Concert on April 20, 2013 at the PAC in Etown, KY you can get tickets to hear this incredible award –winning artist at www.thePAC.net

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Dare to be Great! Pt 3 by: Pastor Terry R. Jones Genesis 12:1 "Now (in Haran) the Lord said to Abram, Go for yourself (for your own advantage) away from your country, from your relatives and your father's house, to the land that I will show you." Amplified Bible As we come to conclusion of the Dare to be Great! Series, we have learned if you want to be great we must first surrender ourselves and ex-ecute the commands of Jesus Christ. Next, we must recognize an op-

portunity when it is placed before us "Go for yourself (for your own advantage). Last, the next step toward becoming great, sometimes we need to leave the place of familiarity and comfort "away from your country." As we conclude the analysis of the scripture it states that Abram was commanded by God to remove himself "from your relatives and your father's house, to a land that I will show you." God tells Abram to get from your relatives or kindred. Relatives have a funny way of reminding us of who we were, and they have a tendency to stifle our growth in God. Relatives are quick to say "I remember you when", or try to keep you in the place they want to remember you. So in order for us to hear God clearly, He is saying that we must remove ourselves from the constant reminders of what we used to do or how we used to behave. We must do as Philippians 3:13 says "...forgetting those things which are behind, and reaching forth unto those things which are before,". Next, Abram was told to leave "your father's house." Abram's fathers name was Terah which means wild goat, turning, or wandering. According to Joshua 24:2 Terah started out serving God, but turned and served other gods. God wanted Abram to remove himself from the negative influence that his earthly father could have on him. This is a call to us all, we must separate ourselves from those who aren't sold out for Christ. They should not have influ-ence over our lives, because we need to be sensitive to Holy Spirit and only be guided by Him. Finally, Abram was told by God that He would take him "to a land that I (God) will show you." Abram had no clue where God was going to take him, but he had to trust God and be obedient to what God said even when it didn't make sense. That is the hardest thing to do as a believer. When what God has told you doesn't make "logical sense" and doesn't feel good to our flesh. I want to encourage you to not listen to your flesh, but give yourself totally to the will and way of our Heavenly Father. If we are to walk in Great-ness we need to follow what the Word of God says, and be obedient to all that God is commanding us to do.

For more information about Pastor Jones and Kingdom Christian Church visit the web at www.kingdomcc.us or contact Pastor Jones at 502-291-6685. They are located at 2400 Her-mitage Way, Louisville, Kentucky 40242

Pastor Terry and Elder B

ridgette Jones

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