Housing Crisis The Golden Years by chenmeixiu


									                                                                                                                                                        May 2010

                                                            A Newsletter from the Department of Neighborhood Services and Community Development

                                                    Housing Crisis: The Golden Years
                                                    by B. Gideon Thomas, Consumer Credit Counseling Service,
                                                    Partnership for Families, Children and Adults
                                                         As the reverse mortgage trend continues to
                                                    surf around America there have never been
“Building Better Neighborhoods... Block By Block”

                                                    more Chattanoogans wondering — What is
                                                    a Reverse Mortgage? A reverse mortgage
                                                    is a loan that allows elderly borrowers
                                                    to access their home’s equity while
                                                    continuing to live in their home. To
                                                    qualify for a Reverse Mortgage you
                                                    have to be 62 or older and own and
                                                    reside in your home; Yes, it’s just that
                                                         When evaluating alternatives for
                                                    financial solvency in latter years a
                                                    home equity line of credit (HELOC) is
                                                    something that one must also consider.
                                                    If one were to open a HELOC, monthly payments are required, not so with a Reverse Mortgage.
                                                    When vying for a HELOC your credit score, savings, and income are used in the loan calculation.
                                                    Instead, your age, health, home value, and home equity are taken into consideration for a Reverse
                                                    Mortgage, and is available regardless of your current income. A HELOC provides a line of credit
                                                    whereas a Reverse Mortgage allows you to choose between monthly installments, a credit line,
                                                    lump sum or any combination of the three. Borrowers that still owe on the original loan may
                                                    still qualify for a Reverse Mortgage, these borrowers usually request a cash advance from the
                                                    Reverse Mortgage to pay off the original loan.
                                                         So as the Golden Years begin and one considers if they should move into an “Easy-Care”
                                                    condo or keep “The Old Dear” home, the Reverse Mortgage only complicates the decision
                                                    process even more. These hotly debated loans come with many pros and cons, so I encourage
                                                    you to ask the right questions and weigh the facts:
                                                         1. What about the legacy that I have built?
                                                             Pro: So the question is not only about the money, but also about memories, old
                                                             neighbors and about the dear old home. If a senior is not willing to move, despite
                                                             all of the signs that they should, the reverse loan can give the (continued on page 2)

                                                                                                       Neighborhood Services and Community Development
                                                     Inside This Issue:
                                                                                                              (423) 425-3700 • www.chattanooga.gov
                                                     Housing Crisis............................. 1      101 East 11th Street, Suite 200, Chattanooga, TN 37402
                                                     Administrator’s Letter ................. 2                      Beverly P. Johnson, Administrator
                                                     East Chattanooga Weed and Seed... 3                          Anthony Sammons, Deputy Administrator
                                                     Zach Wiley .................................. 3      Brad C. Gardner, Manager, Codes Community Service and
                                                                                                                           Neighborhood Relations
                                                     Neighborly News ............ 4, 5, 6, 7                 Sandra Gober, Manager, Community Development
                                                     Announcements........................... 7                    Dottie Swasey, Editor, Common Ground
                                                     Calendar of Events ...................... 8        If you would like to receive Common Ground via e-mail send a
                                                                                                                   message to swasey_d@chattanooga.gov
Housing Crisis: The Golden Years (continued from page 1)
       solution. The Reverse Mortgage provides a guaranteed source of tax-
       free income for the remainder of the time that the borrower is in the
       Con: In the long run Reverse Mortgages can be very expensive. Costly
       fees, interest rates, mortgage insurance, and closing costs may apply.
       The total expense is incurred upon death of the family member.
    2. What if I don’t fully own my home?
       Pro: You do not have to own your home fully in order to qualify for a
       Reverse Mortgage.
       Con: Any balance remaining on your first mortgage will be included in
       the balance of your reverse mortgage.
    3. How does this additional income affect my benefits?
       Pro: Reverse Mortgage income will not impact your Medicare and Social Security eligibility.
       Con: Reverse Mortgage income may impact your ability to qualify for Medicaid and Supplemental Social
       Security benefits.
    4. What happens when I die?
       Pro: If the reverse mortgage balance is less than the value of your home at the point of repayment, your heirs
       get to keep the difference.
       Con: The loan has to be repaid when you die, sell your home, or no longer use it as your primary residence.
     In no way am I advocating any particular product but want to make sure that you are educated when making a decision.
I recommend that you see a HUD Certified Housing Counselor if you would like more information. At Consumer Credit
Counseling Service of Chattanooga we have HUD Certified Housing Counselors that can walk you through any decision
that you plan to make in terms of your housing endeavors. We can be reached at 490-5620.
    About the author: Mrs. Thomas has been with the Consumer Credit Counseling Service division of the Partnership for
Families Children and Adults as a Financial Educator for approximately two years. After finishing a Business degree from
Florida A&M University she went on to pursue a MBA in Finance from the University of Tennessee at Chattanooga. She
brings to her educational endeavors a breadth of financial knowledge about things such as the housing market, budgeting,
saving and the wise use of credit.

                                     Administrator’s Letter
                                            If your neighborhood association or community organization has not yet registered
                                       or updated your registration with our department, this is the last opportunity to do so
                                       before the new directory is published (see page 5). The Neighborhood Association
                                       Registry is a vital resource for people looking to join a neighborhood association as
                                       well as City officials looking for neighborhood contacts that can give input on how to
                                       best serve the different communities within Chattanooga. You would be surprised how
                                       many people call us for this information, so take a few minutes to register today.
                                            The department has been very busy lately finalizing the details of many programs
                                       such as Roof Repair, World Changers home repair, Rental Renovation, Neighborhood
                                       Partners projects,as well as preparing the agenda for the Annual Neighborhoods and
  Beverly P. Johnson, Administrator   Codes Conference coming in October. More information on the progress of these
                                      initiatives will be found in future issues of Common Ground.
     Thanks to all of you for your great feedback on this newsletter. We focus on sharing information pertinent to all residents
of the City and to keep them informed of opportunities available from our department as well as other City departments,
community organizations and more. If you know someone that would benefit from receiving Common Ground, please have
them email the editor, Dottie Swasey. We love to share the knowledge!

                                                         PAGE 2
                          East Chattanooga Weed and Seed Spring Programs
                                                                     ECWS Office at 1502 McCallie Avenue for safe and
                                                                     responsible disposal by law enforcement officials. Once
                                                                     again, the Chattanooga Police Department, the Drug
                                                                     Enforcement Administration, Tennessee American Water
                                                                     Company, Ross Pharmacy and the Tennessee Department
                                                                     of Environment and Conservation are partnering with
                                                                     ECWS and ESTF for this activity that aims to keep
                                                                     medications out of the hands of those who shouldn’t have
                                                                     them as well as keeping them out of the environment.
                                                                     Keeping medications that you no longer need or use in
East Chattanooga residents visit more than 25 vendor booths at the   your home can lead to accidental overdoses and misuse
4th Annual Grassroots Health Fair                                    and tempting to youth who want to experiment with
                                                                     drugs. Throwing these medications in the trash or down
    This spring East Chattanooga Weed and Seed (ECWS)                the drain contaminates the landfill and water supply. If
and the Chattanooga Eastside Taskforce (ESTF) are hosting            you have medications you want to dispose of, stop by the
several events designed to improve the quality of life               ECWS Office June 12th between 11 a.m. and 3 p.m.
and increase safety for residents of the East Chattanooga                All events are free and open to the public. For
community.                                                           more information on any event, please contact East
    On May 15th the ECWS/ESTF Health Committee is                    Chattanooga Weed and Seed at 752-4449 or visit their
holding their 5th Annual Grassroots Health Fair in the 1900          website: www.eastchattanoogaweedandseed.org.
block of Laura Street between Orchard Knob and Roanoke
Avenues in East Chattanooga. Residents can talk with                     Eastside Taskforce
numerous health care providers and garner information                    volunteers count medications
about health-related issues and lifestyle concerns                       at the Drug Disposal event
that impact their health. There will also be free health                 last year
screenings including blood pressure checks, diabetes/
blood sugar tests and confidential HIV/AIDS testing.
The Grassroots Health Fair hours are 10 a.m. to 2 p.m.
    On June 12th, ECWS and ESTF are bringing
back the area’s only known Drug Disposal Program.
Residents from all over Chattanooga and Hamilton
County may drop off unused, unwanted and/or expired
prescription and over-the-counter medications at the

                      Welcome Zach Wiley
                                                                Zachary Wiley is the newest addition to the Neighborhood
                         Zach Wiley, Code                   Services staff. He is a code enforcement inspector and will be
                         Enforcement Inspector
                                                            assigned to the East Chattanooga area. Zach currently lives in
                                                            Ooltewah with his wife Jessica, 10 year old Venezia, 2 year old
                                                            Josiah and 3 month old Elijah. He received his high school diploma
                                                            from Cambridge Academy in Ocala, FL and attended Mount San
                                                            Antonio College in Pomona, CA. He comes to us with a varied
                                                            background. He has sold gourmet food, worked in remodeling
                                                            construction, served as a client support/training specialist, and as
                                                            an independent title examiner. We welcome Zach to the department.
                                                            Zach enjoys spending time with his family, fishing and playing
                                                            basketball in his spare time. Welcome aboard Zach!

                                                           PAGE 3
                                       Neighborly News from...
                                    Clifton Hills Improvement Committee
                                    by Debbie Johnson, Neighborhood Relations Specialist
                                                   Has your organization suffered from decreasing attendance at your
                                               meetings? Have you experienced an increase in rental properties? Have you
                                               experienced residents who are moving in and out of the neighborhood? If so,
                                               you have a lot in common with the Clifton Hills Improvement Committee.
                                               With the frequent influx and outflux of tenants, it proves to be a difficult
                                               task to make meaningful contact with these neighbors. The Clifton Hills
                                               Improvement Committee began a plan of action last year. With funding from
                                               the Neighborhood Partners Program, they were able to produce both yard and
                                               banner signs notifying residents of the monthly meeting, as well as publish a
monthly newsletter designed to spread the word to the residents that their partnership and input is important. As a result, new
faces began appearing at the neighborhood meetings. President Amanda Stofan reported, “The community benefited in that
there is greater awareness among residents that we have a neighborhood association and some of the projects we participate
in.” She further stated, “We also forged relationships with some local churches and businesses through the distribution of
the newsletter.”
     The Clifton Hills Improvement Committee’s next step in building a new foundation for pride and renewal of the
neighborhood is to produce house banners. They are working on a design with Dottie Swasey, Graphics Specialist for the
Department of Neighborhood Services and Community Development. No doubt this project will yield great results for this
passionate and hard working group of neighbors.
     The Clifton Hills Improvement Committee meets the second Thursday of each month at 6:30 p.m. in the clubhouse at
Caruthers Park, 3400 Brannon Avenue.

Chattanooga Neighborhood Association Council
Retreat 2010                                                     and there is a complete
     The Chattanooga Neighborhood Association Council            disconnect between youth
(CNAC) held its annual planning retreat March 27. The            and parents, and the home
retreat focused on “Charting a Course of Action for the          background” said Chief
Future.” Education and crime were topics of interest.            Maffett.
     Pastor and Hamilton County Board member Jeffery                 “We need to change
Wilson advised CNAC that communication between the               our attitudes on how we
school board and entities such as CNAC would bridge the          deal with problems. If we change our attitudes, climates and
gap between schools and neighborhoods.                           conditions, we will see a change in our youth,” according
     “Change Agent” is how Felecia Montgomery, a teacher         to Sherman Matthews, consultant and retired State of
for Woodmore Elementary School, views her role in the            Tennessee Department of Juvenile Justice guest panelist.
public school systems. Ms. Montgomery said there are             Mr. Matthews also stated that at least 80 to 90 percent of kids
many things to do where our children are most affected, but      in state custody are not completing school. Mr. Matthews
as parents, teachers and leaders, we all have be examples        feels this is especially dire when we live in a society based
and start with ourselves to be effective change agents.          on success.
     Assistant Chief Stan Maffett of the Chattanooga Police          If you or your neighborhood association and community
Department spoke about a direct connection between               would like to aid CNAC in the Charting a Course of Action
delinquency, truancy and crime. Chief Maffett stated that        for the Future initiative, please contact the Chattanooga
our children are growing up in a time that there appears to      Neighborhood Association Council at 423-425-3700; write
be no moral values, no discipline and no structure in the        us: 1270 Market Street, Chattanooga, TN 37402; or email
home. “We need better gun control, kids are shooting kids,       us at info@cnaccouncil or visit www.cnacforyou.com.

                                                        PAGE 4
                                       Neighborly News from...
Battery Heights Neighborhood Association
by Karen Clay, Neighborhood Relations Specialist and
Ron Gilbert, Battery Heights Neighborhood Association President
    Each of Chattanooga’s neighborhoods can be categorized by
something that sets them apart from other neighborhoods, but
not all have the distinction of being a site of national historical
significance. Battery Heights neighborhood is one such place.
    On the morning of November 24, 1863, Union General
Sherman’s remaining three divisions crossed the Tennessee
River and captured what the general thought was the north end
of Missionary Ridge. It was actually a completely separate rise
known then as Goat Hill; now known as Battery Heights. Sherman
was dismayed to see that, across a deep ravine, the Confederates
had fortified Tunnel Hill (Missionary Ridge), the northernmost
portion of the ridge. Taking no further offensive action for the
day, Sherman ordered his men to dig in on Goat Hill.
    The next the morning Sherman launched multiple direct assaults against the Confederate line on Missionary Ridge, but
despite his significantly larger force, he made no headway. By 4:30 p.m., Union General Ulysses Grant, who was at Orchard
Knob, ordered an attack on Missionary Ridge. The center of Confederate General Bragg’s line was broken and fled in panic,
requiring the abandonment of Missionary Ridge and a headlong retreat eastward to South Chickamauga Creek. Afterwards,
General Sherman launched an attack southward capturing Atlanta, GA on his famous “march to the sea.”
    During the early 1900’s, Betts Engineering developed the Battery Heights subdivision, starting out with about ten
homes, with most of the area being wooded lots. Today Battery Heights is a beautiful and quiet community with spectacular
views of downtown Chattanooga and the Chickamauga Dam area. General Sherman’s headquarters was pinpointed by Civil
War Historians as the crest of Battery Heights at the of Fairview Drive & Ridgecrest.
    On April 6, 2009 the Battery Heights Neighborhood Association was established to bring the community together
and preserve the history of the neighborhood. The association meets the first Monday of the month at 6:00 p.m. at East
Chattanooga Recreation Center.
    Battery Heights Neighborhood Association was awarded funding through the 2009-2010 Neighborhood Partners
Program to create and erect sign toppers. The sign toppers are a conversation piece for neighborhood residents and visitors
alike and serve as a symbol of the rich history of Battery Heights. Hats off for a job well done!

The Neighborhood Association Registry
     Spring is here and renewal abounds! Flowers are blooming, grass is growing, and the
butterflies are emerging from their cocoons. It is also time for the Neighborhood Association
Registry to be updated. The registry helps to communicate information to the association’s
officers about upcoming events, programs and provides your city council representatives
contact information for their districts.
     Many of you have had elections and may need to update your information. A good way
to verify if your information is current is to review the list on our website at http://www.
chattanooga.gov/Files/NAResgistry.xls. The list is updated periodically and the date of any
changes is indicated for each registrant. If your information is over a year old but is still
accurate, drop your Neighborhood Relations Specialist a note so we may adjust the date to
reflect it as being current.
     If association is not registered with us, please visit our website and register. Neighborhood associations may register
online at http://www.chattanooga.gov/Neighborhood_Services/86_4074.htm. Just follow the instructions for submitting the
form or call your Neighborhood Relations Specialist at 425-3700 for registration assistance.

                                                         PAGE 5
                                     Neighborly News from...
A Novel Approach to Literacy, Arts and Community Building
                                                              by Vanessa A. Jacksdon, Neighborhood Program Specialist

                                                              of entities, the book cases will reside permanently at these
                                                              locations. The Waterhouse Pavilion case will be accessible
                                                              during the pavilion’s open hours and the Creative Discovery
                                                              Museum case is located on the grounds of the site for around
                                                              the clock accessibility. Several other individuals, for profit
                                                              and non-profit entities have been instrumental to the success
                                                              of the project to include Collier Construction Company,
                                                              The United Way Imagination Library, St. Peters Episcopal
    Born out of the 2010 Leadership Chattanooga program
                                                              School, and Northside Learning City among many others.
and inspired by a German concept, the “Common Shelf”
                                                                   Along with bringing arts and literacy to the public square,
is a community bookcase project that exists to enhance
                                                              community building and neighborhood empowerment
and encourage literacy, art and community building. The
                                                              are two important goals of the “Common Shelf” project.
bookcases will work on the premise of “Take a book. Leave
                                                              With this in mind, the project team developed the project
a book. Tell a Friend.” and serve as a source of free books
                                                              to include a blog site that would both memorialize the
for all members of the community.
                                                              benchmark of the project as well as provide a template for
    In April 2010, after months of planning, eight team
                                                              community groups and neighborhood associations in hopes
members from the Leadership Chattanooga program
                                                              that they will replicate the project in their own communities.
launched the installation of two bookcases at two sites in
                                                                   The project team welcomes donations of children,
downtown Chattanooga, Miller Waterhouse Pavilion and
                                                              youth, and adult books in good condition and will thrive
Creative Discovery Museum. A popular lunch location for
                                                              from continued community support. To find out how your
the down town working community as well as a special
                                                              neighborhood can create a Common Shelf or to obtain more
events venue, the Miller Pavilion contains a variety of
                                                              information about the project, visit the blog site http://
adult books and Creative Discovery Museum, one of
the premier hands on children’s museums in the region,
contains children’s books. Through a partnership with both    TAKE A BOOK! LEAVE A BOOK! TELL A FRIEND!

Office of Multicultural Affairs
Sweet Diversity
     Sweet Diversity is a multicultural community experience
featuring desserts, entertainment, arts and crafts from the many
different cultures of Chattanooga. This community outreach
effort is an opportunity for members of the broader community to
come together and form relationships that foster diversity, cultural
awareness, and inclusion. We invite participants to bring a dessert
to share that represents their unique cultural heritage or family origin
along with a recipe card for sharing. Sweet Diversity is FREE and OPEN
to the public.
     The next Sweet Diversity will be Thursday, June 10 at the Science Theatre, 255 Northgate Mall from 6:00 – 8:00 p.m.
Participants from City Council Districts 1,2 and 3 are invited to participate. Come and learn more about the work of the
OMA and meet the board appointees who represent your districts on the OMA Advisory Board.
     For information on how to get involved with planning Sweet Diversity in your district, or to request a reasonable
accommodation for the event, call the Office of Multicultural Affairs at 643-6706 or email OMA@mail.chattanooga.gov.

                                                      PAGE 6
                                      Neighborly News from...
Parks and Recreation
Recycling Takes Shape at City Recreation Centers
    Children throughout the city are taking part in a fun
“hands on” project called the “Art of Recycling” that combines
creative activities with good stewardship of the environment.
All of the city’s 16 recreation centers now have recycling bins,
and materials collected in these bins are being ‘re-used’ by the
children at the recreation centers to make objects of art, furniture,
and 3-dimensional sculptures. With the City’s commitment to
sustainability and green living in mind, Parks and Recreation
Department’s Montrell Besley from South Chattanooga Recreation
Center, Melissa Turner from the Department of Education, Arts
& Culture and fellow team members in Leadership Chattanooga
devised this great way to engage children (in the after school ”Rufus the Recycled Chicken” created by kids at North
                                                                      Chattanooga Recreation Center
programs) in a creative awareness-raising effort. Several of these
original designs were showcased at the Chattanooga Market’s recent “Earth Day Celebration”.
    The kids and center staffs are having so much fun with this, that the concept of “green living” is being incorporated into
the Parks and Recreation Department’s summer day camp programs. Recycling projects, energy conservation, gardening,
and attention the area’s natural surroundings will be tied-into the recreation centers’ “Kidz Kamp” and the Therapeutic
Recreation Program’s “Camp Zoo-Ability”. The new Folk Art Camp being offered at Frances B. Wyatt Recreation Center,
for ages 3 – 15, will also engage participants in art that uses recyclable items as well as traditional art supplies. For more
information about about Summer camp contact Kim Battle at 643-6052.

         DISCRIMINATION HOTLINE                                       Save The Date! October 14 & 15, 2010

               757-4811 or
                                                                                     NEIGHBORHOOD SERVICES
                                                                                   AND COMMUNITY DEVELOPMENT
                                                                                                   City of Chattanooga
               City of Chattanooga                                   12 Annual Neighborhoods Conference

                     Office of                                                                            and
                                                                  Continuing Education Conference for Codes Professionals
               Multicultural Affairs                               at the Chattanooga Convention Center • 1150 Carter Street • Chattanooga, Tennessee

                   Neighborhood Talk
                    A weekly radio show from the
  Department of Neighborhood Services and Community Development
         Tuesday Mornings 9:00-9:30 a.m. WNOO 1260 AM

                                                        PAGE 7
                                                  May Calendar of Events
Date        Time      Description                                           Date      Time      Description
3 Mon       6:00P     Battery Heights Neighborhood Meeting                  17 Mon    5:30P     Villages at Alton Park Neighborhood Watch
            6:30P     East Lake Neighborhood Association Meeting                      6:00P     Avondale Neighborhood Association Meeting
            6:30P     Wheeler Avenue Neighborhood Watch Meeting                       6:00P     North Brainerd Neighborhood Association Meeting
            6:30P     Hill City Neighborhood Association Meeting                      6:00P     Washington Hills Neighborhood Association Meeting
            7:00P     Community Association of Historic St. Elmo                      6:30P     South Chattanooga Association of Neighbors Meeting
            7:00P     Murray Hills Neighborhood Association Board Meeting   18 Tue    6:00P     Orchard Knob Neighborhood Association Meeting
6 Thu       11:00A    Environmental Court (Neighborhood Services)                     7:00P     Cloverdale Neighborhood Association Meeting
            6:00P     Glenwood Neighborhood Watch Meeting                   20 Thu    11:00A    Environmental Court (Neighborhood Services)
            7:00P     Lookout Valley Neighborhood Association Meeting                 6:30P     MLK Neighborhood Association Meeting
10 Mon      1:00P     Regional Planning Agency Meeting                                6:30P     Highland Park Board Meeting
            7:00P     Fairfax-Bagwell Neighborhood Association Meeting                7:00P     Highland Park Neighborhood Association Meeting
11 Tue      6:00P     Lupton City Neighborhood Association Meeting                    7:00P     Lake Chickamauga Neighborhood Association Meeting
            6:00P     Sector 2 Community Policing Interactive Committee     24 Mon    6:00P     Chattanooga Neighborhood Association Council (CNAC)
                      (CPIC)                                                          7:00P     Oak Grove Neighborhood Association Meeting
            6:00P     Glass Farms Neighborhood Association Meeting          25 Tue    4:00P     Community Anti-Drug Coalition Across Hamilton County
            6:00P     Foxwood Heights Neighborhood Association Meeting                6:00P     Kingsridge Neighborhood Association Meeting
            6:00P     Bushtown Neighborhood Association Meeting             26 Wed    11:30A    Court Watch Partners
12 Wed      10:00A    Board of Zoning Appeal Meeting                        27 Thu    11:00A    Environmental Court (Neighborhood Services)
13 Thu      11:00A    Environmental Court (Neighborhood Services)                     5:30P     South Broad Redevelopment Group, Inc. Meeting
            6:00P     Missionary Ridge Neighborhood Association Board                 6:00P     Glenwood Neighborhood Association Meeting
                                                                                      6:00P     Woodmore Manor Neighborhood Association Meeting
            6:00P     Sector 3 Community Police Interaction Committee
                      (CPIC) - George & Delta Zone                                    7:00P     Ridgedale Community Association Meeting
            6:00P     Churchville Neighborhood Association Meeting
            6:30P     Clifton Hills Neighborhood Improvement Committee       For more information on these events go to Neighborhood Services
                      Meeting                                                               at http://www.chattanooga.gov
            7:00P     Cedar Hill Improvement League Meeting                                  and check our Calendar of Events

                City-Wide Services                                                   May Systematic Codes Inspections

                       Brush On Demand
        As of July 1, 2009 Chattanooga residents simply need to                Teams of code enforcement inspectors will be going block
        call 3-1-1 for any brush pick-up. This new service allows               by block in the following neighborhoods inspecting each
         citizens to report their brush piles to 3-1-1 for collection          parcel for City Code violations including litter, overgrowth,
        as opposed to awaiting their pickup week. Public Works                     abandoned vehicles and housing code violations:
        crews are routed daily to collection locations by request.
                                                                                               Week of May 10, 2010
                              Recycling                                                 .
                                                                               Ridgedale....................................... District.8
          Biweekly pickup for recycling began September 2009.
        Citizens must register to join biweekly curbside collection,                           Week of May 24, 2010
           and may do so by visiting www.recycleright.org or by                East.Lake......................................... District.7
                            calling 643-JOIN.

                                                                        PAGE 8

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