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Alexander Chapel United cont... Continued from page 6


relationship with God over the years. “The book of Nehe- miah says that ‘the joy of the Lord is my strength’ and I have found that to be true. Our only real hope comes from knowing God. Knowing Him will get us through even the toughest of things. I know this is true because I have lived it. Instead of focusing on what may or may not happen to us, we can find hope in knowing that God is in control.” Alexander Chapel bel ieves


that their motto of loving God and others should be seen in tangible ways. Church mem- bers are actively involved in community outreach through monthly involvement and sup-


LOOKING FOR


A MORTGAGE? If you are


by Michael Creasman, CFP


shopping for a mortgage on your primary residence, you can expect to


need a minimum down payment of 5%-10% for a conforming loan or 10%-15% for a jumbo conforming loan. If you have 20% or more to put down, you can avoid the necessity of purchasing private mortgage insur- ance, which usually costs 0.5%-1.5% of the loan amount annually. As far as credit score is concerned, Fannie Mae and Freddie Mac (which dictate standards for mortgages they pur- chase from lenders) require a mini- mum credit score of 620. Tose with credit scores that exceed 720 get the best rate. Lenders will also take a close look at your ratio of debt to income. Monthly housing expenses should not exceed 18% of gross monthly in- come. HINT: While mortgage lenders


like to see that borrowers’ total debt does not exceed 36% of their gross income, some stretch the maximum to 45%. Historically low interest rates and


the decline of housing prices in many states have made this is a good time for many people to purchase their first home. If you are in the market for a home, keep in mind the down payment requirements for a mort- gage.


It takes careful planning and


a commitment to saving to achieve any financial goal. At CREASMAN 401(k) PLAN ADVISOR, INC., we have the expertise and resources to help you. Please call us at 828-253- 7231 to schedule a consultation. Our services include college education funding, retirement planning, and estate planning. We are located at 1328F Patton Ave. www.creasmanfp.com


www.weavervilletribune.com


Marjorie Kiess has been with ACUMC since 2003.


port of the North Buncombe Samaritan’s Ministry. ACUMC also provides bi-monthly wor- ship services for residents of the Brian Center. Another unique outreach of Alexander Chapel is its prayer shawl ministry. Members join others in our com- munity in making handmade shawls that incorporate extensive prayer for those in need. These prayer-covered shawls have been sent to people throughout the country and into other countries as well. “These shawls are a tan- gible expression of our love and prayers,” Kiess said. “This is a praying church where the Word of God is preached. We love God and we love people. Anyone is welcome here as long their heart is willing to worship.” Alexander Chapel will be cel-


ebrating their rich Christian his- tory on the fourth Sunday of this month with their annual summer homecoming celebration. For more information about these and other unique ministries of ACUMC, call 779-2690.


St Matthews Anglican Church


Weaverville 828-877-3708


Reems Creek Rd.


812 www.stmatthewsasheville.org SUNDAY — 10am Bible Study / 11am Eucharist


Formerly McKinney Welding Supplies 271 Haywood Street • 828-252-4270


North End Computers LLC “A different computer company”


Made and supported in the USA “Overam” laptops are here today


We Can Compete with the big box Toshiba Laptops $679.00


Phone 828.484.8444 or 828.989.7617 Dell certified in laptop repair www.north-endcomputers.com


CalvaryWorship Center


Proclaiming the Power of Pentecost


A church where you will be loved as you are but changed by the Lord Jesus Christ.


Sunday: Sunday School 10 am MorningWorship 11 am EveningWorship 6 pm


Wednesday: Kids & Youth Ministry 6:30 pm Adult Bible Study 6:45 pm


Pastor Ron Dodson invites you to an awesome worship experience!


101 Calvary Drive, Marshall, NC 28753 For more information call 828.649.1073


Buncombe County Republican Party Positive Change Begins Locally


(828) 253-5800 www.buncombegop.orginfo@buncombegop.org ATTENTION REPUBLICANS


Politics is not about Republicans vs. Democrats


It’s about Good vs. Evil The BCGOP is calling on every Republican in the county to fight this evil by donating $10.00.


100% of the money donated goes directly to getting a large turnout at the voting polls. This is the only way we can rescue Buncombe and stop the destruction of America.


to the Buncombe County Republican Party, 124 Ridgeview Road, Alexander, N.C. 28701 or go to our PayPal account at www.buncombegop.org


PLEASE DONATE $10.00 May God bless you!


August 5 - August 11, 2010 - THE TRIBUNE 7


There are approximately 48,000 registered Republicans in Buncombe County and our children are counting on us to win this election.


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