caldwell journal 01-01-2015

Journal Caldwell

Serving Caldwell County North Carolina

Volume 1, Issue 14 www.CaldwellJournal.com Free Thursday, January 1, 2015

Happy New Year

Caldwell Journal Weather

Thursday (1st): Partly sunny. High 49 Low 27

Precipitation: 0.00 in.

Friday (2nd): Sun & areas of high clouds.

High 52 Low 37 Precipitation: 0.06in.

Saturday (3rd): Cloudy & colder; p.m. rain.

High 46 Low 43 Precipitation: 0.99 in.

Sunday (4th): Sun, then clouds.


Monday (5th): Times of clouds & sun.


Tuesday (6th): Times of clouds & sun.


Wednesday (7th): Mostly cloudy & colder.


2 Thursday, January 1, 2015

Caldwell Journal Info “Published each Thursday by the Caldwell Journal”

Established October 2, 2014 Volume 1, Issue 14

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Nostalgic Memories of Oak Grove Baptist Church

Sometimes when I am in the mountains and see a little white church nestled down in a valley, my mem-ory returns to yesteryear. I recall a time when mama, dad, my brother Joe and I attended a similar little white country church known as Oak Grove Baptist Church. This attendance began shortly after it was organized on November 20, 1938. How well I re-member the pot-bellied stove and the rough-worn benches! The Sunday School rooms were divided by curtains and I can still hear the soft swishing sound as they were opened or closed.

I can see again the sweet, endearing smile on dad's face when he was happy...just rejoicing in the Lord. I don't ever recall mama or dad speaking in church. However, their faithfulness and dedication to the Lord spoke louder than words. I remember their manner left a deep impression upon me. Mama had more patience than anyone I ever knew. I remember their kindness and thoughtfulness toward others.

I often reflect back to when Joe was Sunday School Superintendent, deacon, teacher and did interim work at Oak Grove. He and his wife, Mildred, worked together in Vacation Bible School, too. I am sure this early training helped tremendously in his ministry at other churches. Mildred was truly a good help-mate. In their 5l years together, they were faith-ful servants of God. I remember with nostalgia al-most a year ago on a perfectly blue and cloudless Oc-tober day when my beloved brother went home to be with the Lord. Roses were Joe's favorite flower, and I can envision him now in that land where the roses never lade. Joe was brought back to his home church October 7, 1997, and was laid to rest near mama and dad in the small cemetery at Oak Grove.

My Grandfather Richards was one of the first dea-cons at Oak Grove and always sat in the "amen cor-ner" of the church. I can almost hear reverberating down through the years, the voice of my Grand-mother Richards as she knelt at the altar, pummeling her fists repeatedly on the bench before her beseech-ing earnestly for God to pour down His blessings on all of us. There were many others at the altar also praying just as fervently.

The children of John and Julia Richards have a place in the history of Oak Grove, too:

Continued on page 3...

Thursday, January 1, 2015 3

Caldwell Journal Weekly Recipe

Potato Chowder

2 cups diced pared potatoes

3/4 cup minced onion

1/2 cup diced celery

2 1/2 cups water (boiling)

4 tbsp margarine

1/4 tsp pepper

1/2 tsp powdered mustard

2 cups milk

1/4 lb. grated cheese (1 - 1 1/2 cups)

1 tbsp minced parsley

1 can canned tomatoes

Combine potatoes, celery, onion and 1 tsp. salt and boiling water in covered kettle. Sim-mer 15 min. Melt butter in pan. Stir in flour until smooth. Add remaining 1 1/2 tsp salt and next three ingredients while stirring. Cook until thick. Add cheese, stir until melted. Stir into potato mixture. Add parsley and tomatoes. Heat and serve.

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Nostalgic Memories of Oak Grove Baptist Church Continued from page 2...

Cora worked in the nursery for 15 years; Clarence, my dad, was a deacon for many years; Henry, a Sun-day School Superintendent; Jim helped to organize the church; Bill, a choir director; Hattie sang in the church choir and helped in Vacation Bible School; Sanford, a church treasurer; Dave was a pianist for many years, and before coming to Oak Grove had played the pedal organ and piano at Concord Baptist Church ever since early childhood. Gathias and Car-rie were members of Concord Baptist Church. Many of John and Julia's descendants are still very much a part of Oak Grove.

Hattie reminded me so much of my Grandmother when she prayed so earnestly and gave her testimony in church. There must have been great rejoicing and singing in heaven that beautiful October day when Hattie left us and was reunited with all the other Richards who had gone on before.

My memory often returns to the time Hattie, Ruby and I sang in the church choir. I remember so well how much I enjoyed singing those old hymns. Hattie is gone now and Ruby and I are much older, but we still look forward to singing in the choir just as we did in bygone days of yesteryear. I hope my vision improves somewhat so I can write and continue with the genealogy of my family.

I vividly recall the night when Charles Poovey, Ruby's husband was saved. She became so happy and shouted so til her hat tumbled to the floor. Charles served as deacon and treasurer at Oak Grove. They both taught Sunday School, Training Union and Va-cation Bible School. Ruby is still a teacher at Oak Grove.

I once went to a foot-washing at Oak Grove. The people who participated in this event seemed to en-joy it thoroughly. Their joy and enthusiasm was con-tagious to the rest of us.

The Homecoming in late summer was always one of the highlights of the year. The people gathered to-gether for an all day preaching and singing with din-ner on the grounds.

After the preaching service Sunday morning, the peo-ple gathered in the shade of the towering oak trees in the church yard for an old-fashioned dinner.



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Nostalgic Memories of Oak Grove Baptist Church Continued from page 3...

They carried baskets and boxes of food to the long tables made of wide planks laid on saw horses and covered with white tablecloths.

I especially remember the crisp fried chicken, ham biscuits piled high on a platter, fresh green beans from the garden and seasoned with salt pork, corn on the cob, potato salad and all kinds of luscious cakes and pies. My favorite dessert was a succulent rhu-barb and strawberry deep-dish pie, and of course, plenty of ice-cold lemonade. After the good eating, sociability and lively conversations, they once again gathered in the church for an afternoon of singing and fellowship. In the early years at Oak Grove, I have fond recollections of all day preaching and sing-ing with dinner on the grounds and this will forever be etched in my memory.

I can almost hear the echoing of saws and hammers when Ray Yarborough and the men of the church built the parsonage with little help from skilled work-men. Incidentally, Pete Myers once said that he ac-quired his experience as a carpenter from helping to build the parsonage. This enabled him later to build his own home. Pete was a deacon, teacher and did interim work at Oak Grove.

The men worked at their regular jobs during the day, however in the afternoon, they worked diligently and with perseverance on the parsonage. They also helped when the brick church was constructed. When the parsonage was renovated years later, the church was financially able to obtain professional help. Down through the years, the women of the church have been tremendously supportive and helped in every way possible.

Rev. Wayne White is our pastor at Oak Grove now. Wayne, Thomasine, Nathaniel and Sarah are truly a blessing to me.

Sometimes when I look back to the far distant past, I hear again a faint echo of the preacher's strong voice, the alter call and the beautiful songs of praise. I see people milling around the altar, shouting and prais-ing the Lord. I can almost hear the shuffling of feet, the goodbyes being said and the people going home. Then quietness once again closes in around the little white church.

By: Vera Richards August 1998


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History Of New Year’s Day

The Romans dedicated New Year's Day to Janus, the god of gates, doors, and beginnings for whom the first month of the year (January) is also named. After Julius Caesar reformed the calendar in 46 BC and was subsequently murdered, the Roman Sen-ate voted to deify him on the 1st January 42 BC in honor of his life and his institution of the new ra-tionalized calendar. The month originally owes its name to the deity Janus, who had two faces, one looking forward and the other looking backward. This suggests that New Year's celebrations are founded on pagan traditions. Some have suggested this occurred in 153 BC, when it was stipulated that the two annual consuls (after whose names the years were identified) entered into office on that day, though no consensus exists on the matter. Dates in March, coinciding with the spring equi-nox, or commemorating the Annunciation of Jesus, along with a variety of Christian feast dates were used throughout the Middle Ages, though calen-dars often continued to display the months in col-umns running from January to December. Among the 7th century pagans of Flanders and the Netherlands, it was the custom to exchange gifts at the New Year. This was a pagan custom deplored by Saint Eligius (died 659 or 660), who warned the Flemings and Dutchmen, "(Do not) make vetulas, [little figures of the Old Woman], little deer or iotticos or set tables [for the house-elf, compare Puck] at night or exchange New Year gifts or supply superfluous drinks [another Yule cus-tom]." The quote is from the vita of Eligius written by his companion, Ouen. Most countries in Western Europe officially adopted January 1 as New Year's Day somewhat before they adopted the Gregorian calendar. In England, the Feast of the Annunciation on March 25, was the first day of the new year until the adop-tion of the Gregorian calendar in 1752. The March 25 date was known as Annunciation Style; the January 1 date was known as Circumcision Style, because this was the date of the Feast of the Cir-cumcision, considered to be the eighth day of Christ's life, counting from December 25 when his birth is celebrated. This day was christened as the beginning of the New Year by Pope Gregory as he designed the Liturgical Calendar.


Residents Celebrate Five Years of Serving Smoke-Free Air With Top

Five List of Things the Law Has Done for North Carolina

Smoke-Free Restaurants and Bars Law Five Years Old January 2, 2015

By the Caldwell County Health Department…Celebrate the Fifth Birthday of the Smoke-Free Res-taurants and Bars Law in North Carolina. Caldwell County residents have enjoyed five years of restau-rants and bars serving up what you ordered without the health hazards of tobacco smoke. “Thanks from the bottom of our lungs to all those who help create a healthier smoke-free environment for North Caro-linians and visitors dining in our great state,” said Anna Martin, Health Education Supervisor. “The smoke-free law has made big changes in our state’s health, while growing more popular and having no impact on overall sales or employment,” said Mar-tin. “In fact, the state has issued an infographic on the law showing the top five benefits the law has had in the state.” Many communities around the state are hosting local events to celebrate the fifth birth-day of the smoke-free restaurants and bars law in North Carolina. For more information contact the Caldwell County Health Department at (828)426-8506.

It’s Flu Season - Take Care of Yourself! Cover Your Cough…Stop the spread of

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Influenza (flu) and other serious respiratory ill-nesses like respiratory syncytial virus (RSV), whooping cough, and severe acute respiratory syn-drome (SARS) are spread by cough, sneezing, or unclean hands. To help stop the spread of germs,

Cover your mouth and nose with a tissue when you cough or sneeze.

Put your used tissue in the waste basket.

If you don't have a tissue, cough or sneeze into your upper sleeve or elbow, not your hands.

You may be asked to put on a facemask to protect others.

Wash your hands often with soap and warm wa-ter for 20 seconds.

If soap and water are not available, use an alcohol-based hand rub.


Biologists Find Gill Lice in Brook Trout in Cullasaja River Tributaries

By the N.C. Wildlife Resources Commission…Fisheries biologists with the N.C. Wildlife Resources Commission are asking for anglers’ assistance after gill lice were found on brook trout in several head-water streams of the Cullasaja River in Macon County. Staff with the Little Tennessee Land Trust found the gill lice in September while sampling fish with the Commission near Highlands. The discovery marked the first time that gill lice have been documented in North Carolina waters. Biologists are concerned what affect these tiny, white crustaceans — also known as copepods — could have on native brook trout populations. As their name implies, gill lice attach to a fish’s gills, which can trau-matize gills and inhibit the fish’s ability to breathe. While most fish are able to tolerate a moderate infestation of gill lice, if they’re suffering from other stressors, such as drought and high water temperatures, fish kills and population impacts are more likely to occur. “We really do not know how widely distributed gill lice are or the ulti-mate impacts they may have on our native brook trout populations,” said Jacob Rash, the Commission’s coldwater research coordinator. “We are particularly concerned about those populations in areas where water quality is marginal or non-native species have been intro-duced and are competing for resources.” Rash is requesting anglers who catch a brook trout with gill lice to contact him at 828-659-3324, ext. 225, or by email at [email protected]. Although anglers may be concerned about consuming trout with gill lice, Rash says they are safe to eat, if cooked properly. After discovering the gill lice in September, biologists sent samples of the copepods to the U.S. Fish and Wildlife Service’s Warm Springs Health Center to identify the specific gill lice species. Experts identified the lice as Salmincola edwardsii, which affects brook trout and not brown or rainbow trout. Biologists have also provided specimens to geneticists with U.S. Geological Survey for further testing. Results will let them know if the strain observed on North Carolina’s brook trout is the same that has been seen in waters in northern states. In addition to working with anglers, Commission staff will continue to partner with the Little Tennessee Land Trust to sample other brook trout populations in the area. Staff also will continue routine moni-toring of brook trout populations across the mountains of North Carolina. While they don’t know how gill lice got into these tributaries of the Cullasaja River, biologists are con-cerned about them spreading to other bodies of water in western North Carolina. “Gill lice can be spread when anglers move fish from one stream to another,” Rash said. “Furthermore, illegal introductions of brown and rainbow trout could have significant impacts to brook trout popula-tions that are stressed because of gill lice.” Because illegal stockings can result in unwanted introductions that can have irreversible consequences, the Commission requires a stocking permit to stock any fish into North Carolina’s public waters. “The brook trout is our state’s only native trout species and is a very valuable resource,” Rash said. “Please do not stock or move brook trout — or any fish for that matter — without consulting the Com-mission first.” Biologists think the primary means of transmitting gill lice is from fish to fish, but anglers can do their part by properly cleaning and caring for their fishing equipment to prevent the spread of other aquatic invasive species by:

Removing any visible mud, plants, fish or animals before transporting equipment;

Eliminating water from equipment before transporting; and,

Cleaning and drying anything that comes into contact with water. For more information, visit the Commission’s Trout Fishing Page.


Dr. Herb Says….Take These Steps To Health

I Love My Heart?

Americans are faced with an extremely serious problem. Diseases of the heart and blood vessels re-main the most common cause of death in this country. High blood pressure, arteriosclerosis (hardening of the arteries), atherosclerosis (the build-up of fatty deposits) and high blood cholesterol are all part of this problem. Heart disease is not just a killer, it also cripples. The obstructed flow of life-giving blood to the heart, brain and other organs has devastating consequences, causing great pain and disability in its victims. An estimated 42 million Americans are suffering from cardiovascular diseases. Let’s take a look at how the heart and circulatory system work and what goes wrong. We’ll also ad-dress what we can do to prevent problems and improve our cardiovascular health. What does the cardiovascular system do? Nutrients, oxygen, waste, antibodies, warmth, hormones and other crucial cell products are trans-ported throughout the body via the cardiovascular system. The incredible muscle, the heart, pumps 2,000 gallons of blood through the 60,000 miles of blood vessels each day. The heart is divided down the middle into two pumps, left and right. Special valves in the heart act as traffic controllers regulating blood flow into the holding chambers (atriums), pumping chambers (ventricles), and arteries. The two sides of the heart simultaneously pump blood into two circulatory networks. The left side pumps oxygen-rich blood to the entire body (systemic circulation). The blood travels through large arteries which branch into smaller arterioles which in turn branch into capillaries, tiny blood vessels carrying blood to every part of the body. It is in the capillaries that the blood distributes oxygen, nutrients, and other substances and picks up wastes including carbon dioxide. Then returning to the heart, the blood travels from the capillaries into venules which in turn join into veins returning the blue, carbon-dioxide-laden blood back into the heart. The blood makes its round trip journey, even to the toes, in less than one minute! The blood then enters the “right heart” to embark on its shorter journey to the lungs (pulmonary cir-culation). In the lungs the blood releases carbon-dioxide and picks up oxygen. The now oxygen-rich, red blood returns from the lungs to enter the “left heart” ready to begin the journey through the body again….on and on this goes every moment of our lives. High Blood Pressure There are two factors that affect blood pressure. One is the amount of blood being pumped. The sec-ond factor is the amount of resistance to the blood flow. For example, the pressure involved in forcing a gallon of water through a narrow straw would be much higher than that of forcing a cup of water through a wide hose. When the heart is pumping harder and faster than normal due to stress or other factors, this increases the amount of blood being pumped thus increasing blood pressure. If the blood vessels are clogged or constricted, this increases the resistance to the blood flow also causing the higher blood pressure. The pumping heart is like a fist squeezing then relaxing, squeezing…relaxing. Blood pressure is a measure-ment of the amount of pressure during the pumping phase (systole) and the lesser pressure during the relaxing phase (diastole) of the heart beat. High blood pressure is a warning which could indicate prob-lems with the cardiovascular system causing undue strain on the heart muscle.

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M-T 7 to 6

Fri 7 to 5

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I Love My Heart?

Arteriosclerosis and Atherosclerosis Arteries are not merely pipes, they are alive. They have remarkable ability to change size and shape according to our body’s needs. In normal arteries blood flows through these flexible tubes without ob-struction; Arteriosclerosis is a hardening of the arterial walls making them less able to dilate (expand). Atherosclerosis is the build-up of fatty deposits on the interior walls of the artery causing the passage-way to become narrow. These fatty deposits combine with substances in the blood like calcium, alumi-num, and chlorine forming hard plaques and insoluble deposits on the artery walls. The reduced ability to dilate and the narrowness of arteries caused by the build-up of fatty deposits decreases the amount of precious blood flow to the area served by that artery. When various organs are deprived of normal blood flow, other diseases may result. This narrowing also increases the resistance to blood flow, increasing blood pressure. Thrombosis The plaques formed by atherosclerosis may create jagged surfaces inside the arteries. Platelets, tiny, delicate packets of clotting materials that float in the bloodstream are crucial for stopping bleeding when there is an injury. However these platelets cannot differentiate between the jagged surfaces caused by an injury and those caused by arterial plaques. They catch on the jagged areas, break open and spill their clotting chemicals into the blood. Clots may form which plug the narrowed artery completely. This is called a Thrombosis. A clot or a piece of a fatty plaque may break away for the bloodstream until it plugs a narrower spot. This is called an embolism. The body can compensate for these clogs by dilating neighboring arteries to increase their flow but if the clogged artery is only source of blood to a body part, a great deal of damage can result. For exam-ple, if a coronary artery (supplying blood to the heart muscle) is suddenly impeded, the resulting heart attack is called a coronary thrombosis. If a blood vessel in the brain is obstructed, brain cells are “starved and suffocated,” –the result is a type of stroke which can result in paralysis, loss of speech, or death. Some complicated questions arise. Why are so many people suffering from cardiovascular disease? How do we get arteriosclerosis and atherosclerosis? Is it preventable? Is it reversible? Can we “cleanse’ our arteries? What Can We Do? While we can’t control factors like heredity, there are factors of our modern lifestyle which we can control. Here are several important factors which deserve our attention. The Standard American Diet (SAD) is high in saturated fat, cholesterol, sodium and sugar (simple carbohydrates); it is low in fiber and is generally excessive in quantity. Caffeine and alcohol are very prominent in our diet. This “SAD” diet is a major contributor to our high heart disease rate. Most evidence indicates clearly that high cholesterol levels and high dietary intake of saturated fats are the major factors of atherosclerosis. Cholesterol is a white, crystalline, soapy substance produced in the body and found in all animal foods. Cholesterol is an essential substance produced by our body according to our needs. Continued on page 12...

Thursday, January 1, 2015

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I Love My Heart?

Dietary intake of cholesterol (in meat, eggs and dairy) is unnecessary and elevates blood cholesterol levels beyond our needs. White sugar should be avoided. Salt, saccharin, antacids and soy sauce are all high in Sodium. So-dium increases fluid retention and blood pressure causing the heart to work harder; so salt use should be greatly reduced. We should pay attention to our diet keeping it low in fat and cholesterol, high in fiber, and moderate in quantity. This is critical for building lasting health. Fruits, vegetables, grains and nuts provide easily assimilated nutrients and reduce health risks associated with high-fat, low-fiber diets. Doctors and natural health professionals all agree that smoking has a profoundly destructive effect on our cardiovascular health. Promoting arteriosclerosis and clotting, and introducing so many deadly poisons into the body, smoking is a thief of health. A smoker is three times more likely to die of heart disease than lung cancer. In fact, quitting smoking will reduce the likelihood of a heart attack by 50%!! Exercise is a crucial part of cardiovascular health and recovery. It increases pumping power and effi-ciency of the heart, reduces levels of fat in the blood stream, moves one toward ideal body weight, low-ers blood pressure and decreases stress. Some other crucial factors are stress, caffeine, and obesity. Stress contributes to the tightening of the arteries which causes blood pressure to go up. It is helpful be aware of what “pushes our buttons” and find healthy ways to relax (e.g. walking, gardening, yoga and laughter). Caffeine is the modern antidote to the tiring effects of the “SAD” diet and insufficient rest. Caffeine raises blood pressure, straining the heart. Obesity also puts a strain on the heart. Carefully and safely reducing body weight to within 15% of the “ideal” weight can add years and quality to one’s life. The problem of heart disease is extremely urgent and it affects all of us. We see now that much can be done to reduce the threat of atherosclerosis, arteriosclerosis, and the other forms of cardiovascular dis-ease. As we move into a calm and caring attitude towards our wellness the rewards are great. Allow these changes to be a source of encouragement. The increased awareness of our bodies can become a strength in moving towards a healthier more enjoyable life style. Herbs for the Heart The fact is most classes of heart drugs have been derived from botanicals. One of the most important nutritional products for the heart is the Hawthorn berry. Dr. Tyler (Dean of Pharmacy, Purdue Univ.) in his book Honest Herbal states “Hawthorn acts on the body in two ways: first, it dilates the blood vessels, especially the coronary vessels. Second, it has a favorable effect on the heart itself…especially in cases of heart damage.” Daniel B. Mowrey, Ph.D. in his book The Scientific Validation of Herbal Medicine reports that “in a consensus of controlled laboratory and clinical experimentation of several countries….Hawthorn was effective at:

* Dilating vessels away from the heart, * Very mild dilation of coronary vessels, (increasing blood flow to the heart) * Increased enzyme metabolism in the heart muscle,

* Increased oxygen use by the heart. Continued on page 13...


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I Love My Heart?

These researchers concluded that Hawthorn enhances and normalizes heart dynamics improving the strength of the heart contraction.” Simply put: Hawthorn Berries improve the health and functioning of the heart allowing blood to flow more freely. Hawthorn is widely accepted and used in many countries, and is well-known for its ab-sence of side effects. Although Hawthorn has not received much attention from the medical establish-ment in the U.S., it is a favorite of the herbalist for treating the cardiovascular system. It is clear that a healthy and unobstructed circulatory system is best able to maintain and keep itself clean. But if the circulation is obstructed, the very means by which it can heal itself is also impeded. That is why many turn to safe natural herbs like Hawthorn Berries. They help to promote the normal flow needed for cleansing, healing and vibrant health.

Stress Although everyone experiences stress not everyone deals with it constructively. The human body was designed to handle some physical and mental stress. If stress is short-term, usually it can be dealt with by the body. It is long-term stress that causes the body to break down. People used to say they were having trouble with their “nerves.” Today it is more commonly called “stress.” However stress does first affect the parts of the body that are related to the nervous system, especially the digestive and intestinal systems. Stress-related digestive problems may be an ulcer attach or colitis. Irritability, high blood pressure, headaches and neck aches, diarrhea, dizziness and loss of appetite can also be brought on by stress. If stress brings on these symptoms and is not dealt with properly, more serious illnesses can result. Many of the disorders that arise from stress are often the result of nutrient deficiencies. Stress depletes the body of B vitamins, especially B6. The B-complex vitamins are very important for proper functioning of the nervous system. They also aid in improving brain function and reducing anxiety. Stress also depletes the adrenal gland hormones, the anti-stress hormones. Vitamin C is crucial to adrenal gland function. Often when people are under a great deal of stress they do not eat right. But that is when diet is most important! One of the key ways to remain in good health during stressful times is by following a correct diet. This means avoiding caffeine, alcohol, sugar, white flour products, colas, fried foods, and other junk foods. These foods cause even more stress to the body. Be sure to nourish the body with good nutrition such as fruits, vegetables, whole grains, and lean proteins. Enhance the diet with B-complex vitamins, Vitamin C, calcium and magnesium (which also feed the nerves), and herbs. Certain herbs are known for their calming, stress-relieving properties. Chamo-mile tea is used world-wide for relaxation. Passion flower can be used during the day without causing drowsiness. Valerian is especially useful when dealing with high emotional stress.


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Natural Medical Physician Doctor Herb Cole, N.D.

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Auditions To Be Held For “No Time for Sergeants”

By Keith Smith...Auditions for the classic comedy, “No Time for Sergeants,” the Spring Dinner Theatre Production for the Town of Hudson, will be held Monday, January 12th and Thursday, January 15th at 7:00 PM at the Hudson Uptown Building (HUB). The HUB is located at 145 Cedar Valley Road, Hud-son, NC 28638. “No Time for Sergeants” tells the hilarious story of Private Will Stockdale and his rau-cous antics in the military. Andy Griffith was the star of both the Broadway play and movie of the same name in the mid-late 1950s. Parts are avail-able for 34 men and 3 women. No preparation is needed to audition. Simply show up and read from the script. The play will be presented at the HUB. Performance dates are Thursday, Friday and Satur-day, March 19, 20, 21, 26, 27, 28. For more infor-mation, call Director Keith Smith at the Town of Hudson, 728-8272.

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14

Happy New Year


Shocking lending practices aimed at Military Servicemembers

By the NCDOJ…Efforts to update rules that govern lending to military consumers close some loopholes but still leave servicemembers exposed to common abusive lending practices, Attorney General Roy Cooper said Monday. “The men and women who serve to protect our na-tion deserve stronger protections from unfair loans,” Cooper said. “These reforms need to be comprehen-sive and fix the problems we’re seeing servicemem-bers face with unscrupulous lending practices.” Cooper today joined 21 other state Attorneys General to write to the U.S. Department of Defense urging it to strengthen proposed updates to the federal Mili-tary Lending Act (MLA). The MLA was intended to shield servicemembers from predatory lending prac-tices by capping interest rates and fees on loans. However, since rules implementing the Act were adopted in 2007, some unscrupulous lenders have changed tactics to try to get around the law. In re-sponse, the Defense Department proposed new regu-lations in September, which Cooper and the other attorneys general applaud but say don’t go far enough. Cooper has long pushed for protections against un-fair loans, chasing payday lenders that often oper-ated near military bases out of the state and author-ing North Carolina’s law against predatory home loans, the first of its kind in the nation and a model for laws now on the books in several other states. The attorneys general’s letter cites two weaknesses in the proposed regulations to protect servicemem-bers from unfair loans: 1) an overly broad exemption for fees allowed on loans; and 2) a failure to regulate sham secured loans. Loan fees: The MLA caps interest rates on loans to servicemembers at 36%. Under current regulations, that rate includes all fees that are required to be paid as a condition of the credit. The new regulations ex-empt any “bona fide fees” if they are “reasonable and customary.” The attorneys general point out that the 36% cap already far exceeds national averages for both fixed and variable rate credit cards, and that the new fee exemption will “open a wide door through which abusive fees of creative lenders may pass.” Continued on page 17...


T-Mobile to pay $90 million for mobile cramming, AG Cooper announces Consumers to get refunds for unauthorized charges on cell phone bills

By the NCDOJ...Consumers in North Carolina and across the country will get money back from T-Mobile as part of a $90 million settlement for unauthorized charges on cell phone bills, Attorney Gen-eral Roy Cooper said today. Cooper joined attorneys general for 49 States and the District of Columbia, the Federal Trade Commis-sion (FTC), and the Federal Communications Commission (FCC) to reach a settlement with T-Mobile USA, Inc. that includes as much as $90 million in payments including refunds to consumers. The settle-ment resolves allegations that the company engaged in mobile cramming, the practice of placing unau-thorized charges for third-party services on consumers’ cell phone bills. “It’s frustrating when unexplained charges pop up on your cell phone bill, and even worse when they’re hidden,” Cooper said. “Consumers shouldn’t get charged for something they didn’t agree to pay.” Consumers often complain about extra charges, typically $9.99 a month, that show up on their cell phone bills for premium text message subscription services (also known as PSMS subscriptions) such as horoscopes, trivia, and sports scores. In many cases consumers are billed for subscriptions they’ve never heard of and didn’t request. Under the terms of today’s settlement, T-Mobile is required to pay at least $67.5 million in refunds to consumers across the country who were victims of these unwanted extra charges. The total amount paid in refunds could be more, depending upon how many consumers apply. Approximately 167,038 customers in North Carolina could qualify for refunds. Beginning today, consumers can get more information about whether or not they may be eligible for a refund and submit refund claims at www.t-mobilerefund.com or call (855) 382-6403. In addition to the $67.5 million in refunds, T-Mobile will pay $4.5 million to the FCC and $18 million to the participating states, including $348,221.05 to North Carolina. T-Mobile is the second mobile telephone provider to enter into a settlement with North Carolina, the other states, the FTC and the FCC to resolve cramming allegations. Cooper announced an $80 million settlement with AT&T in October. The settlements require T-Mobile and AT&T to stay out of the com-mercial PSMS business which is thought to be at the center of the cramming issue T-Mobile and AT&T were among the four major mobile carriers—in addition to Verizon and Sprint—that announced they would cease billing customers for these third-party charges in the fall of 2013. T-Mobile must also take a number of steps under the settlement announced today to ensure that it only bills consumers for third-party charges they have agreed to pay, including:

Not billing consumers for third-party charges without their express consent;

Giving consumers opportunities for full refunds or credits when they are billed for unauthorized third-party charges;

Informing customers when they sign up for services that their mobile phone can be used to pay for third-party charges and telling them how they can block those charges; and

Listing third-party charges in a dedicated section of consumers’ mobile phone bills that includes information about how they can block the charges.

“Review your cell phone bill closely each month to catch any mistakes or unauthorized charges,” warned Cooper. “If you see any charges that don’t look right, contact your mobile phone carrier right away, and file a complaint with us if you need help.” North Carolina consumers can file a complaint with the Attorney General’s Consumer Protection Divi-sion by completing a complaint form at ncdoj.gov or calling 1-877-5-NO-SCAM toll-free within state.



Sham secured loans: The new rules don’t tighten the exemption for secured loans, an exemption that is widely abused by predatory lenders. The MLA specifically prohibits cash loans backed by allotments or deductions from the borrower’s pay-check and access to the borrower’s checking ac-count, but some lenders evade this ban by making sham secured loans, loans secured by an item that is worth far less than the amount of the loan. For example, a lender will secure a $3,000 loan with a $650 television. If the borrower is unable to repay the loan, the lender will recoup their money not by taking the TV but by taking money from the bor-rower’s paycheck or checking account, a practice otherwise made illegal by the MLA. Servicemem-bers are particularly vulnerable because unpaid debts can affect their security clearance, and po-tentially their military career. “The need for stronger consumer protections for servicemembers is all too real,” Cooper said. “Unfortunately, we’ve seen military consumers in North Carolina targeted by unfair loans and other questionable business practices.” Just last week, Cooper’s office helped win $2.5 mil-lion in relief for military consumers from Freedom Furniture, Inc., Freedom Acceptance Corporation, Military Credit Services, LLC and their owners. The defendants violated state and federal laws on credit and debt collection through their practices of financing servicemembers’ purchases of furniture, electronics and other items. In July, Cooper won $6.8 million in debt forgive-ness for more than 1,300 North Carolina service-members who had purchased electronics from Fa-yetteville-based SmartBuy. Military consumers were tricked into paying two or three times more than the products were worth, and roped into fi-nancing their purchases through Rome Finance at interest rates of 200 to 300%, far above the inter-est rates allowed under the MLA and North Caro-lina law. Cooper’s Consumer Protection Division is currently investigating another retailer that targets military consumers, USA Discounters.



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Isaiah 53:5-12 “But He was wounded for

our transgressions, he was bruised for our

iniquities: The chastisement of our peace

was upon Him; and with His stripes we are

healed. All we like sheep have gone astray;

we have turned everyone to his own way;

and the Lord hath laid on Him the iniquity of

us all. He was oppressed and He was af-

flicted, yet he opened not His mouth; He is

brought as a lamb to the slaughter, and as a

sheep before her shearers is dumb, so He

open not His mouth. He was taken from

prison and from judgment; and who shall

declare His generation? For he was cut off

out of the land of the living; for the trans-

gressions of my people was he stricken. He

made his grave with the wicked and with the

rich in His death; because He had done no

violence, neither was any deceit in His

mouth. Yet it pleased the Lord to bruise

Him; He hath put Him to grief: When thou

shalt make His soul an offering for sin.”

The number seven means perfect, complete.

The fifty-third chapter of Isaiah tells us seven

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Obituaries

Faye Stafford Granite Falls – Faye Irene Simmons Stafford, 94, of Granite Falls, NC went home to be with her Lord and Savior Tuesday, December 23, 2014 at Cald-well County Hospice and Palliative Care in Hud-son. She was born February 7, 1920, daughter of the late Dock York and Molly Ila Austin Simmons. In addition to her parents, she is preceded in death by her loving husband, Charles Walter Stafford; one son, Larry Stafford; three brothers and four sisters. She is survived by her daughter, Brenda Kirby and husband Dean of Granite Falls; granddaughter, Marti Lingerfelt and husband Harv of Granite Falls; great-grandson, Garner ”Pee Wee” Linger-felt; great-granddaughter, Maren Grace Lingerfelt; one sister, Doris Simmons McLean of Monroe. A graveside service will be Friday, December 26, 2014, 2:00 PM at Ebenezer United Methodist Church Cemetery with Rev. Eric Lane officiating. In lieu of flowers, memorials may be made to Cald-well County Hospice & Palliative Care, 902 Kirk-wood Street, Lenoir, NC 28645. Mackie Funeral Home is serving the family. You may view the obituary online at www.mackiefh.com.


Continued from page 17...

We want military personnel serving in North Caro-lina to let us know if they spot questionable busi-ness practices,” Cooper said. “Our office is here to help.” All North Carolina consumers including military personnel and their family members can file con-sumer complaints with the Attorney General’s Of-fice by calling 1-877-5-NO-SCAM toll-free within North Carolina or filling out the complaint form at www.ncdoj.gov. Cooper’s office has also put to-gether a guide for military consumers, available at ncdoj.gov/military.aspx and distributed to military installations statewide.


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Obituaries

Donald Eugene Hatley Sr Hudson – Donald Eugene Hatley Sr, 75, went home to be with his Lord and Savior on December 25, 2014 at Caldwell County Hospice and Palliative Care in Hudson. He was born January 5, 1939, son of the late Robert and Mattie Hatley. In addition to his parents, he was preceded in death by his first wife, Annie Mae Johnson Hatley; two brothers, Dale Hatley and Jack Hatley; a son, Larry Phillips. Mr. Hatley is survived by his loving wife of 32 years, Shirley Ward Hatley of the home; three sons, Donald E. Hatley Jr. of Alexandria, VA, Robert Phillips and Christy of Hudson, Ronald Phillips and Jennifer of Hudson; three daughters, Jeanna Carroll of Lenoir and Terresa Day of Hud-son and Teresa Denny of Lenoir; one brother, Winston Douglas Hatley; four sisters, Greta Ecert, Carleen Wood, Aileen Brown, and Wanda Town-send; ten grandchildren and three great-grandchildren. The family will receive friends on Saturday, De-cember 27, 2014, at Mackie Funeral Home from 6:00 to 8:00 PM. The funeral will be Sunday, De-cember 28, at 2:00 PM at Mt. Zion Baptist Church with Rev. Glenn Walker and Rev. John Green offi-ciating. Burial will be in the church cemetery. Mackie Funeral Home is serving the family. You may view the obituary online at www.mackiefh.com.

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Pleasant Hill Baptist Church 699 Pleasant Hill Road Lenoir, NC 28645

Pleasant Hill Baptist Church

I Know I know how it feels to have family members despise you. I know what it’s like to be judged by the church members and religious staff. I know how it feels to be laughed at because you are poor and don’t have name brand possessions. I know how it is to be deprived with hunger and thirst. I know how it feels to be lonely and distant from the crowd. I know the pain of rejection and betrayal. I know the hurt of giving to others in their need and being forgotten in the time of your need. I know how hard it is to love others who hate you. I know the shame of nakedness. I know the ridicule of verbal abuse. I know the frustration of demonic harassment. I know the disappointment of being denied by a trusted friend. I know the agony of being beaten and spit upon. I know the torture of mind, body and soul. I know all about what you are facing and I do care.

Work with me and I’ll get you through this!

P.S. I also know the future and you win in me.

Jesus

“For all have not an high priest which cannot be touched with the feeling of our infirmities; but was in all points tempted like as we are, yet without sin.” (Hebrews 4:15)

We invite you to Pleasant Hill Baptist Church at 699 Pleasant Hill Road in Lenoir. Call 828-726-6564 for more information.

God Bless You, Pastor John Gray

Obituaries

Robin Clayton Coffey

Robin Clayton Coffey, 50, went home to be with his Lord and Savior December 28, 2014, at his resi-dence. He was born December 20, 1964, son of Clayton “AC” Coffey and Mary Gilbert Ross. In addition to his parents, Mr. Coffey is survived by his son Michael Coffey of Lenoir; his daughter, Heather Coffey of Lincolnton; step-mother, Bar-bara Coffey; two step-sisters, Mr. and Mrs. Larry (Terri) Swanson of Hildebran and Mr. & Mrs. Jeff (Patti) Johnson of Granite Falls; uncle and aunt Mr. & Mrs. Robert (Helen) Shoemake of Colletts-ville; a special friend Karen Benfield of Lenoir; six aunts, Laura Pennell, Peggy Puett, Martha Shell, Bessie Welch, Mildred Ward, and Thelma Deal; two grandchildren and a number of nieces and nephews. The family will receive friends on Thursday, Janu-ary 1, 2015, at Mackie Funeral Home from 12:30 to 2:00 PM. The funeral service will follow in the chapel with Rev. Finley McCory officiating. Burial will be at Blue Ridge Cemetery in Lenoir. Memorials may be made to Berea Baptist Church, 1394 US Hwy 70, Connelly Springs, NC 28612. Mackie Funeral Home is serving the family. You may view the obituary online at www.mackiefh.com.

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