Erwin HS Jarvis retires after 39 years


By Robin Wilson “Phil Jarvis is one of those people


who would do anything for you as a student or player. I don’t know anyone who doesn’t like him. He was enjoyable to play for when he coached me and also when I was a student in his class,” stated Terry Gossett, former student, basketball player and current girls’ basketball coach at Erwin. Jarvis is retiring after 39 years in


teaching. Most of those years have been at Erwin High School. After graduating from Appalachian State University, he began his career stu- dent teaching at Owen High School and from there taught grades first through eighth at Swannanoa. He then spent three years teaching sixth graders at Johnston Elemen- tary before finally landing at Erwin High School in 1975. He has taught all the social studies classes. Jarvis also coached for many


years. “I started teaching so I could coach,” said Jarvis. He coached football for about 10


years and basketball for 17 years. He also coached tennis for one sea- son. “I was really more of a chaper- one for the tennis team. Tey were really good players and I didn’t have much experience coaching tennis,” joked Jarvis. Teresa Jarvis is his wife of 30


years who is also a teacher at Erwin High School. “Phil has lived in this commu-


nity his whole life. Everyone knows him wherever we go and his stu- dents always remember him,” she said. Jarvis grew up in the Erwin Hills area and graduated from Er- win High School.


Phil Jarvis is calling it a career after 39 years. During his teaching career, Jarvis


was also the school bus coordina- tor for about 15 years. He said he learned a lot about the area and the kids through the bus routes. As part


THE NEW RULES OF MORTGAGE BORROWING


by Michael Creasman, CFP


Now that the real estate market has undergone a metamorphosis of sorts, would- be homeowners


are advised to adjust their expectations accordingly. Te fact is that the new rules of mortgage borrowing are actu- ally the old rules that were disregarded for a time. Tat is, a mortgage amount should be limited to up to three times a buyer’s gross annual income. Lend- ers are likely to limit borrowers’ total monthly housing payment (includ- ing principal, interest, insurance, and taxes) to 28% of their gross income (with total debt limited to 36%). With this in mind, a couple with a 20% down payment, a 30-year fixed-rate mortgage of 5%, and a $100,000 in- come can afford a mortgage of up to $300,000. HINT: Mortgage borrowers should


calculate their ability to afford a mort- gage on the basis of a 30-year fixed rate, and then consider other options. Many banks wrote mortgages for


of that job he made sure there were bus drivers available to drive and figuring out the routes the buses would take. “I said I was going to retire when


Update on food plot strategies


By Ken Higgins Here are a few updates and ad-


ditions to the food plot column in the Vol. 8, No. 49 edition of Te Leicester Leader. A food plot for wildlife can be


difficult for the average hunter with no farming background to establish. A soil test is the first step. Next is using lime to get the pH just right. Picking the right combination of plants is the next step. I prefer to use oats and crim-


son clover which appeal to rab- bits, deer and turkey. Open ground can be a problem


if most of your land is forested. Your may have a lease with only logging roads and loading decks. Loading decks are openings in the forest made by logging crews. Tis is where timber is dragged to be cut into logs and loaded onto trucks for the trip to a mill. Tese are usually around one to two acres in size and level. Cleaning up the leftover brush will provide an area to plant.


After planting, use a blower


once the leaves have fallen in the fall to clear your plot. It took me about 30 minutes to clear my plot. All the trees are bare, so this food plot will grow and last un- til next year. I’ll just fertilize and blow away all of the dead leaves again next year. Tis will make for a great December and spring hunting area as well. Having a green food plot


when everything else has turned brown will draw deer from miles around.


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I started teaching the grandkids of former students,” he said. “I’m not going to do anything for a while but I might want to do some type of volunteer work in the future.”


people who couldn’t afford them or for people who lost their jobs and could no longer afford their mort- gages. Now, banks are being more cautious. Regardless of your financial goals, planning well in advance is crit- ical. At CREASMAN 401(k) PLAN ADVISOR, INC., we have served clients in the greater Asheville area since 1978 with professionalism and integrity. We offer financial planning and retirement planning. No one is turned away because we feel strongly that everyone can benefit from sound, thoughtful financial advice. Please call us at 828-253-7231 to schedule a consultation. Our office is located at 1328F Patton Ave. www.creasmanfp.com


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