Nappanee Advance-News, Volume 131, Number 16, Nappanee, Elkhart County, 17 April 2008 — Page 2

• Advance News • Thursday. April 17, 2008

Page A2

Death notices Phyllis J. Black _ ,> April 6, 2008 HARRISON, Mich. Phyllis J. Black, 90, of Harrison Mich., formerly of Nappanee, died Sunday, April 6, 2008 at 9:36 a.m. at Tender Care Nursing Home in Clare, Mich. She is survived by her daughter, Janice (Dave) Cunningham of Nappanee; son, Thomas (Darlene) Black of Elkhart; four grandchildren; and brother, Richard Callander of Scottsdale, Ariz. Visitation was from 1 to 3 p.m. Saturday, April 12 at Thompson-Lengacher & Yoder Funeral Home, Nappanee. A memorial service took place at 3 p.m. Saturday at the funeral home. Burial was at Union Center Cemetery', Nappanee. Memorials mav be made to the Nappanee American Legion Women's Auxiliary. v Helen Miller April 9, 2008 WAKARUSA Helen Miller, 82, of Wakarusa, formerly of Nappanee, died Wednesday, April 9 at 7:15 a.m. at Miller’s Merry Manor in Wakarusa. 4 Graveside services will be Friday, April 11 at 2 p.m. at Stony Point Cemetery. Memorials may be made to the Cancer Society. Mrs. Kathy D. George April 12, 2008 NAPPANEE Mrs. Kathy D. George, 41, of Nappanee died early Saturday morning, April 12. She is survived by her husband, Michael George; daughters Kayla Carney of Nappanee, Katie Carney of Nappanee, Megan George of Nappanee and Molly George of Nappanee; parents: Keith and Janet Vardaman of Zephyrhills, Fla.; brother, Kurtis (Lisa) Vardaman of Osceola; and mother and father-in-law, Nancy and Donnie George of Nappanee. Visitation was Monday, April 14 from 2 to 8 p.m. at the Thompson-Lengacher & Yoder Funeral Home in Nappanee and one hour prior to funeral services. Funeral services were Tuesday, April 15 at 4 p.m. at the Nappanee First Church of God. Burial was at Union Center Cemetery. Memorials may be made to Riley's Children s Hospital.

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SWEETNESS 3 continued from front page

The fifth lies? flat on the bed and simply tries not to fall off. Games New last year, the Sugar Camp Kids Carnival will provide vounger festival visitors the chance to play games for free and win cool prizes. Scare Factor, based on the TV reality series "Fear Factor," will test participants to their limits for the third year in a row with grueling physical challenges and disgusting food games. Tours Helicopter rides will give a new perspective on the festival and on Wakarusa (see related story on page A 4). For those who may be a little nervous about flying, there will be plenty of opportunity to enjoy the festival from the ground. Those whoenjoy history will be able to tour the Wakarusa Historical Museum, while those interested in learning more about maple syrup can visit the sugar camp behind Flick's Home Plate. Contests Competition will cook up with the annual' maple syrup baking contest. Others will have the opportunity to test their strength in the pedal tractor pull. The annual Wakarusa Public Library book sale, various craft and other vendors and town wide garage sales will allow visitors to browse and shop to their hearts' content. Carnival rides will again offer hours of diversion for kids. Unlike years past, there will be no eating contest this year. Parade The Maple Svrup Festival parade will again march into Wakarusas downtown square Saturday at 10 a.m. This year's parade will include appearances by the Maple Syrup queen and her court, the North Wood High a A TRADITION , CONTINUES... AT UNION CENTER CHURCH OF THE BRETHREN! ORIGINAL JONAH FISH FRY

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ADULTS $750 CHILDREN (5-12) $4.00 4 AND UNDER FREE CARRY-OUTS $750 6 hton Center Church is located at the comer of County fcd $o and (bounty Rd. //, Sappanee. Indiana. For questions, please call the church office at $-4-773-4295. This event is sponsored by the Pathfinders and Faith ful Followers Sunday School Classes.

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Advance News file photos Top: The annual bed race is a much-anticipated part of the Maple Syrup Festival. Right: Sandra Owen of Shear Adventure arranges a table of baked goods for the maple syrup baking contest. School bands, the traditional fire trucks, horses and colorful floats bv local clubs and organizations and more. Entertainment Music and magic will dominate the stage with appearances bv music artists and popular magician Kevin W'ilson. Local talent will include North Wood High School's Dawning Generation swing choir, the North Wood jazz band and the Younger Generation swing choir Friday, followed by an evening concert by the Nappanee Missionary Connection Band. Saturday's entertainment will include country singer Davna Malow out of Chicago and Christian band PS 3:33. Wilson will appear onstage both days of the festival. More festival information The above are just a few of the many activities that are featured at this year's festival. Included with this issue of the Advance News is a spe-

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FINANCIAL FOCUS Update* March 20, 2008 Don’t Rush Into Equity-Indexed Annuities Every so often, a new investment product comes along and attracts a lot of interest from investors - but not a lot of scrutiny. That might be the case with “equity-indexed annuities.” Sales of this insurance product have grown dramatically in recent years, but evidence may suggest that many investors do not know all the facts before they buy. Issues to consider An equity-indexed annuity (EIA) actually has characteristics of both fixed annuities, which pay a fixed rate of return and variable annuities, whose returns depend on the investment options selected. An EIA provides a minimum guaranteed interest rate (guarantees are backed by the claims-paying ability of the issuing insurance company) combined with an interest rate linked to a market index, such as the S & P 500. The ElA's interest rate is typically lower than that of a fixed annuity. However, due to the market-index factor, an EIA offers ' potentially higher returns than a fixed annuity - along with a higher level of risk. On the other hand, an EIA is generally less risky than a variable annuity, but, at the same time, its “upside" potential is more limited. While the EIA may appear to have some attractive features, investors should take a closer look at an EIA before purchasing one by going to the National Association of Securities Dealers (FINRA) Website at www.finra.org and type in “equity-in-dexed annuities" in the search area. I . . Hera art I taw other Items to coeiktor • Complexity - An EIA is not a simple product to grasp. That’s primarily because the return does not perfectly corresioond to the market index to which the annuity is linked. Instead, the index-linked interest rate you receive will depend on the terms of the contract. You need to understand the calculation used to determine what percentage of the index gain w ill be credited and what limits apply: (Most ElAs put a cap on the return you’re allowed to earn.) There are also several methods used to determine the change in the index, which can affect the calculation. Finally, most ElAs only count the index < jains from market price changes, excluding any gains from dividends. These variables mean that you could receive less than what you expect. • Access to yaw mousy -If you cash out your EIA early, you may have to pay a sizable surrender charge (and alO percent penalty tax if you’re under 59-1/2). Some ElAs also require you to forfeit your index-linked interest if you surrender your contract early or choose not to begin taking payments when the contract matures. Together, these charges can rec uce, or erase, your return. • Lack of rspatottoa - Unlike variable annuities, ElAs are generally structured so that they are not registered with the Securities and Exchange Commission (SEC). And ElAs are primarily sold by individuals who are not registered to sell securities; these individuals may not look at your entire financial picture before recommending an EIA. Do your homework before making an EIA purchase decision. If you’re an annuity buyer looking for a guaranteed rate of return, you should probably consider a fixed annuity. If you want some equity exposure, then a variable annuity msiy be your best choice. If you owned both, you could get the guaranteed rate or return you need and the upside potential you desire. \ . . , ,-a -

j Michael L. Shaetz I Finanaal Advisor r. v , .. «... ... 105 West Lincoln • Nappanee, IN 46550 574-773-5571 I www.eilwardiones.coni Member sipc

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cial section abouj* the Maple Syrup Festival. For readers' enjoyment and for more information, the tab includes detailed stories on many festival activities, festival history and the making of maple syrup. Photos of this year's

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Maple Svrup Festival queen and Sweetheart candidates are included, as well as a schedule of festival activities. More information about the festival is also available at www. wakarusa maple syrupfestival.com.

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