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Louisa-Lawrence Co, KY

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Bankers relate facts about car buying, credit cards and other issues;

LOUISA -- As an ongoing attempt to participate more in the education system in Kentucky Bar Association has recommended its members to provide training in high schools for seniors who are about to embark on life after high school.

In Louisa, local Bar Assn. president Eldred "Bud" Adams organized a seminar for Lawrence County High School's seniors Thursday. The seminars were held across from the high school in the Lawrence County Community Center meeting room in small Amy SmithAmy Smithgroup sessions with 20-45 students in each, and they were held all day until everyone got the opportunity to get a last minute whirlwind tour through money matters they are about to face. 

Supt. Mike Armstrong has emphasized community involvement in the education system and Adams said that was one of the reasons for the seminar. "We want to work with our local schools every way we can, because they are the secret to our success as a city and county," Adams said.

He led off the sessions with one good piece of advice. "Next to your family and God, the most important thing for you to know about is your money," Adams told the seniors.

The panel discussion format for the presentations included executives from three of Lawrence County's banks. Adams is a board member with Inez Deposit Bank and Amy Smith, also from IDB is the bank's marketing director. Senior loan officer John Rose represented Peoples Bank and Ed Purdon, a loan official at Louisa Community Bank, rounded out the well versed group.

Sherry Branham assisted with the PowerPoint setup and distributing the materials given to each senior regarding their future financial lives.

Items discussed included buying a car, financing it and insuring it as well as doing the same for a house. Ms. Smith described interest on funds and how they can grow and become large sums if one keeps saving. Rose spoke of home financing and advised the seniors to not spend more than they make. And Purdon touched on several areas of banking including getting a checking account and a savings plan.

Students were especially interested in the car loan information and all of the panelists advised against going out and buying a new car as soon as they graduate and get some type of job.

panelists Amy Smith John Rose and Ed Purdonpanelists Amy Smith John Rose and Ed Purdon"It is important to note that you lose several thousand dollars when you drive off the lot in a new car,"Adams said."Most of the time it is wise to find a good dependable vehicle that you can afford rather than the new ones."

Rose noted that 43% of the American public spends more than they make. "Even people with six figure incomes can become destitute and bankrupt if they do not watch their spending carefully," he said. "Before you get married, sit down and fill out a financial plan on how much you are making and what are your priorities."

Purdon and the other panelists also warned of the overuse of credit cards. "The credit card companies want you to charge as much as possible because there is hidden math in there that can end up costing you more than 40% interest on your debt." He said credit card companies like to get young customers who sometimes don't check out the rates before using the card.

Adams thanked Supt. Armstrong and LCHS principal JR Cook for allowing the seminar to go on and said he hopes to have the same each year in the future and make it better each time. "So many times we take for granted that our students learn about handling their money, but often they don't even know the basics and it can get them into financial trouble quickly," Adams said.

Students commented that the sessions were helpful, but they already knew some of the information. "I had heard a lot of it from my parents and teachers, but coming from the banking people, it seems more important, one senior commented after the session.


Armstrong says weather can't be controlled;


LOUISA -- Tuesday’s downpours send Lawrence County Sophomores scrambling to seek shelter.

Due to the Juniors participating in the Kentucky Core Content Test, the Freshman class was in the gym, the Senior class was on a field trip and the Sophomores were outside at the football field.

We’ve had more than our fair share of Spring Showers this year.

The Sophomores were “yo-yoed” from the football field to the school and back during yesterday's downpours.

While it may not have hurt any of them to get a little wet, some children have health issues and caused concerns with some parents.

Amber Swafford, parent of a Sophomore, stated “I was seriously ticked off about it, my son has suffered with severe asthma and has had pneumonia several times over his life, and it is easily set off by weather changes.”

Assistant Principal Jerry Whelan stated “No comment. Talk to Mr. Cook” Principal JR Cook was unavailable and phone calls were unreturned. However, Superintendant Mike Armstrong provided the following statement:

“Some high school students were indeed caught in a sudden “downpour” yesterday while returning from the high school football field to the high school,” Armstrong said. “When it became obvious that rain was imminent, students were provided shelter at the Board of Education/Athletic Complex ground floor.“

“Some students, however, elected to “make a run for it” by returning to the high school.  Unfortunately, Mother Nature opened-up the sky and the rain, while brief but intense, soaked a few students.The rain this spring has been especially burdensome and continues to be a real nuisance.  Not only have outdoor physical education classes been interrupted, but the rain has also ill-impacted tennis, softball, and baseball games."

"And on several afternoons it seems that the perfect time for a cloudburst is just at school dismissal time!  In addition, a few bus routes have had to be rerouted due to the impact the excessive rain has had on our county roads.”

“I appreciate everyone’s cooperation and understanding during this especially wet spring.  Let’s just hope that all of these “April showers” bring plenty of May flowers.”

Another concern for parents was the lightening and thunder. “That wasn't just a hard rain today. That was a lightning/thunderstorm, and lasted for about an hour.” one parent stated who wished to remain unnamed.

Hopefully this uncontrollable situation can be avoided in the future and allow school officials to decide on a Plan B for the next time the situation arises.


‘Build a Home Projects’ -- teaching and learning environments;

Paintsville, KY (April 27, 2011) – The Big Sandy Community and Technical College (BSCTC) Carpentry Program is immersed in the construction of another teaching and learning project in the Cross Creek Community of Johnson County, Kentucky.

Known for its excellent teaching curriculum, the BSCTC Carpentry Program prepares students with the skills necessary to sustain competitive careers in residential and construc tion carpentry.

Spearheaded by BSCTC Assistant Professor Michael K. Froman, the Program provides technical and general education studies that encompass classroom and practical experience in field projects.  Program criteria includes, blueprint reading, site layout, foundation work, rough framing, roofing, finish work, cost estimation, material list preparation and practical experience.

“The Cross Creek projects provide continuous teaching and learning environments in living laboratories.  This allows students to study and refine skills in real-time with hands-on experience,” explains Instructor, Mike Froman.  Froman further elaborates, “BSCTC has constructed ten (10) homes in the Cross Creek area.  These homes sell well and have high resale values.  This makes the construction of these homes profitable, viable enterprises while providing superb teaching and learning environments for students at BSCTC.”

The Cross Creek projects are funded by a non-profit committee.  Big Sandy CTC provides the instructors and students for the building of these homes as teaching and learning environments for students in the Carpentry, Masonry and HVAC Programs.  Homes are sold to the highest bidder via a realtor or direct sale when completed.  Any monetary gain is applied toward the building and construction of other learning enterprises for BSCTC students.

According to the Bureau of Labor Statistics, “Carpenters are employed throughout the country and make up the second largest building trades occupation.  In 2008, carpenters held about 1.3 million jobs.  About 32 percent work in the construction of buildings and industry and about 22 percent work for specialty trade contractors.  Most of the rest work for manufacturing firms, government agencies, retail establishments and a wide variety of other industries.  About 32 percent of all carpenters are self-employed.1

In May 2008, median hourly wages of carpenters equaled about $18.72.  The middle 50 percent earned between $14.42 and $25.37.  The lowest 10 percent earned less than $11.66, and the highest 10 percent earned more than $33.34.  Median hourly wages in the industries employing the largest numbers of carpenters are: 2

  • Nonresidential building construction              $21.08
  • Building finishing contractors                          19.37
  • Residential building construction                     18.24
  • Foundation, structure and building exterior     17.67
  • Employment services                                        15.81

For more information about the Carpentry Program at Big Sandy CTC, contact Assistant Professor, Michael K. Froman at (606)789-5321, ext. 82842 or e-mailThis email address is being protected from spambots. You need JavaScript enabled to view it..  

Big Sandy Community and Technical College offers academic and educational programs that provide valuable opportunities to the communities of Eastern, KY. BSCTC advances excellence and innovation in teaching, learning and community service.

Information about the many academic and technical programs offered at BSCTC is available by visiting or by calling (606) 886-3863.