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Image 8 of The Falmouth Outlook June 7, 2011

Part of The Falmouth Outlook

Page 8, The Falmouth Outlook, June 7, 2011 The Extension People of Pendleton County 45 David Pribble Dr. • Falmouth, Ky. 41040 Phone: 859-654-3395 The College of Agriculture is an Equal Opportunity Organization authorized to provide research, educational information and other services only to individuals and institutions that function without regard to race, color, sex, age, disability or national origin. Open 8 a.m.-4:30 p.m. Mon.-Fri., CLOSED 12-1p.m. COOPERATIVE EXTENSION SERVICE COOPERATIVE EXTENSION SERVICE COOPERATIVE EXTENSION SERVICE University of Kentucky - College of Agriculture University of Kentucky - College of Agriculture University of Kentucky - College of Agriculture EXTENSION NOTES EXTENSION NOTES EXTENSION NOTES Agriculture and Natural Resources Michael Mann Pendleton County Extension Office 4-H/Youth Development Shelley Meyer Pendleton County Extension Office Family and Consumer Sciences Kenna Knight Pendleton County Extension Office New enterprise for your farm The idea of raising sheep and goats appeals to both beginning and experienced farmers across Kentucky. One advantage of small ruminants is their size. Compared to cattle, small ruminants are good for several reasons. First, you need less land. A typical stocking rate is about one-half acre for each ewe or nanny goat, compared to three to five acres for each cow. Small animals are easier to handle and manage when administering veterinary or basic health care. And the initial investment is much smaller than for cattle. If you are considering sheep and goats, start your evaluation with a budget. Make or use an enterprise budget, similar to the onesfoundationat http://www.ca.uky.edu/agecon/i ndex.php?p=29. The budget starts with an income section. A well run enterprise should produce about two lambs or kids per female per year. To increase the size of the enterprise, you will want to keep female lambs or kids to breed. Holding on to animals rather than selling them will limit your income until the enterprise is the size you want. Prices are strong now, which does increase start-up costs. However, lambs and kids can bring over $2 per pound. Of course, cost remains an important consideration. The advantage of goats especially, is that they are foragers-they eat pasture and brush. This makes them a good fit for many parts of Kentucky, where some land is not well suited to row crops. Another consideration is fencing. Fencing may need upgrades, because sheep and especially goats are hard to keep inside fences. Feed and mineral supplements are another cost. The most profitable sheep and goat enterprises depend upon pasture and use only a small amount of feed supplement. The price of purchased feed has gone up dramatically, so this is an important factor. Marketing the product is another issue to consider. Both lambs and kids can be sold at established auction markets, with the Kentucky Department of Agriculture graded sales being the best. Auction sales take minimal marketing effort on the farmer's part-you just take them to market on sale day. Prices are currently quite good. Another option to increase income further is selling directly to consumers, but this method takes increased effort over auction sales. Finally, good managers can control potential pitfalls that may cause major headaches for novices. Predators such as coyotes and dogs can wreak havoc on your flock or herd. Having guard dogs is one of the best ways to protect your sheep and goats. Parasites are another issue that requires both management and medication. Great activity for our youth Because of the small size and limited needs of rabbits, owning and showing them is perfect for youth living in cities or suburbs who want to experience the rewards of raising livestock but on a manageable scale. Rabbits are a relatively low cost animal, ranging from $10 to $20 for basic breeds of pet quality to $50 to $60 for quality show or breeding specimens. After the initial purchase of the animal, new owners will have minimal costs: an appropriate cage that provides shelter from inclement weather, bedding, food containers, toys to minimize boredom and resulting bad behavior, and adequate food. There are many breeds of rabbit, with significant variations among them, and choosing one depends upon the intended use of the animal. (Rabbits are most commonly used as pets, or for meat or laboratory use.) Flemish Giants weigh in at a hefty average of 15 pounds, but the Netherland Dwarf is a modest 1 to 2 pounds. The Holland Lop, a popular breed, sits in the middle, at 4 to 5 pounds. A common belief is that the mini breeds are more aggressive, so ask experts for advice when making a decision. Buying from a reputable and knowledgeable breeder in your area is the best option. The breeder will ensure that your animal has not been exposed to any diseases and can help you select the most appro- Adding value to your home priate animal for your needs. Also, a local breeder usually can charge a lower price than a pet store. Showing in 4-H is open to all types of youth rabbit owners, from owners who have a single pet to small breeding operators. In showmanship classes, the judge asks questions, which tests a youth's knowledge of his specific animal and rabbits in general. To score well, rabbits need regular handling so they are accustomed to the particular demands of the show ring. Higher scores go to rabbits that best exemplify their breed standards, which cover specifics ranging from body type and ear conformation to appropriate muscling and weight. Overall health is also a factor. Youth competition is tied to the county fair season, which runs from July to September, with the Kentucky State Fair falling in August. By travelling the show circuit, youth broaden their horizons, learn responsibility and strengthen personal connections, where they make new acquaintances and reconnect with friends who share the same livestock-related hobby. The rabbit club meets the 4th Thursday of each month. For more information, visit http://www.tksrba.com/ or http://www.arba.net/Breeds.htm , or contact the Pendleton County Cooperative Extension Service. Be sure to choose home improvement projects carefully, especially if your goal is to increase the value of your home to make it more appealing to prospective buyers. First, finish all basic maintenance before you put money into an extra project, such as adding a marble-tiled bathroom. If your roof is sagging and leaking, it doesn't matter what your new deluxe bathroom looks like. Then, consider which projects will have the best return-on-investment (ROI). ROI is a percentage that rates the cost of the improvements against how much the improvements increase the value of your home in the eyes of buyers. The average kitchen remodel with minor repairs such as painting and repairing fixtures and appliances is around $8,655. The return-on-investment, as a percentage, is 88%. This is a low cost way to improve your home and get back most of your costs. A typical bathroom remodel costs around $9,135, and the ROI is approximately 81percent, another low cost improvement that adds to home value. Adding a second-story addition onto your home is a major undertaking that requires a lot of time and effort, but the rewards are profitable as well. The aver- age cost of a second-story addition is $73,553, with an ROI of 83 percent. As a rule, improvements that increase the functional space of a home hold value longer than ones that just make a house look better. They also are significantly cheaper than adding an addition. For example, converting an attic into a bedroom usually costs about $35,960 and returns about 80% of its cost. A bathroom addition averages $13,918, with ROI of 81 percent. The average family room addition averages $30,960, with an ROI of 75 percent. A deck addition averages out at $8,022, with an ROI of 51 percent. It's commonly agreed that a swimming pool has no resale value. The main reason pools repel potential buyers is that they require expensive upkeep. Fear of liability runs a close second in limiting value. These figures show that completing improvements to the kitchen and bathrooms of a house yield the greatest return on investment. One thing to keep in mind: Don't make overthe-top home improvements just to keep up with your neighbors. Be certain when choosing home improvement projects that you are doing what's best for the home's value, as well as for you. LINE CLASSIFIEDS Business $14.25 (15 words or less) DO YOU QUALIFY FOR SOCIAL SECURITY DISABILITY? CRIMINAL DEFENSE-PERSONAL INJURY L & K community since 1999 SATELLITE Serving the DEBBIE S. FELDMANN 859-654-6431 Attorney At Law Falmouth Office 859-261-4466 Newport Office THIS IS AN ADVERTISEMENT Affordable Bankruptcy Public Notice DEBT RELIEF ALL DEBTS ELIMINATED INTO ONE MONTHLY PAYMENT! Car Loans Taxes Foreclosures Lawsuits Credit Cards Medical Bills Repossessions Garnishments STOP FORECLOSURES • STOP LAWSUITS! • KEEP ALL PROPERTY! STOP WAGE GARNISHMENTS! • STOP HARASSING PHONE CALLS! FREE OFFICE & PHONE CONSULTATION PAYMENT PLANS AVAILABLE EVENING & SAT. APPTS AVAILABLE/WALK INS WELCOME MICHAEL E. PLUMMER Attorney At Law 11 W. 6th St., Covington, KY 41011 859-581-5516 or Toll Free 1-877-790-2233 Conveniently located just across the street from Bankruptcy Court or check us out on the web at www.plummerbankruptcy.com A public hearing will be held by the City of Falmouth at Falmouth City Hall, June 14, 2011 at 6:30 p.m. for the purpose of obtaining written/oral comments regarding the proposed budget as well as the proposed use of Municipal Road Aid and Local Government Economic Assistance program funds for upcoming fiscal year. Municipal Local Road Aid Government Program Economic Assistance Cash Balance Carried Forward (estimate) 89900 2090 Anticipated Receipts (including interest) 24950 35000 Total Available for Appropriation 114850 37090 Public Inspection: The city’s proposed budget and proposed uses of Municipal Road Aid and Local Government Economic Assistance program funds are available for public inspection at City Hall during normal business hours. Interested persons and organizations in Falmouth are invited to the public hearing to submit written or oral comments on the uses of the Municipal Road Aid and Local Government Economic Assistance funds. Any person (especially senior citizens and handicapped persons) who cannot submit written comments or attend the public meeting, but wish to submit comments should call City Hall at 859-654-6937 so that the city can make arrangements to secure their comments. COMMONWEALTH OF KENTUCKY PENDLETON CIRCUIT COURT CIVIL ACTION NO. 10-CI-00312 COMMONWEALTH OF KENTUCKY PENDLETON CIRCUIT COURT CIVIL ACTION NO. 10-CI-00193 Bank of America, N.A. vs. PLAINTIFF CITIMORTGAGE, INC. vs. COMMISSIONER’S SALE PLAINTIFF COMMISSIONER’S SALE JAY BEGLEY UNKNOWN SPOUSE OF JAY BEGLEY Richard L. Wright Beneficial Kentucky Inc. d/b/a Beneficial Mortgage Co. of Kentucky DEFENDANTS * * * * * By virtue of a Judgment and Order of Sale of the Pendleton Circuit Court rendered May 20, 2011, in the above action, I shall proceed to offer for sale at the Pendleton County Judicial Center at Falmouth, Kentucky, to the highest and best bidder at public auction on June 16, 2011 at the hour of 10:00 a.m., the following described property: Property Address: Route 1 Box 91, Falmouth, KY 41040 Lying and being in Pendleton County, Kentucky on the East side of Grimes Road, 0.32 miles North of Ky. Rt. 159 and more particularly described as follows to wit: Beginning at a found PK nail in the center of Grimes Road a corner of William Verax and John Peoples (D.B. 201, PG. 628): thence with the center of said road, N 11 degrees 24’21” E-44.89 feet to a found PK Nail, thence N 04 degrees 56’ 26” E-101.72 feet to a found PK Nail; thence N 03 degrees 20’ 48” E-29.87 feet to a found PK Nail a corner of Verax and Peoples (D.B. 261, PG 628); thence leaving said road with the line of Verax and Peoples, S 82 degrees 49’ 18” E-112.18 feet to a 6” Walnut; thence S 04 degrees 29’ 12” E – 147.73 feet to a post, thence S 16 degrees 06’ 39” W-33.05feet to a post; thence N 82 degrees 20’ 57” W-134.26 feet to The Place of Beginning containing 0.5106 Acres more or less exclusive of all right of ways and easements of record. Being the same property conveyed to Richard L. Wright, Jr., a single person, from Roscoe Mayfield, a single person, on July 31, 2000 and recorded on August 11, 2000 in Deed Book D230, Pg 545 of the records of the Pendleton County Clerk’s Office. This property is being sold to produce the sum of $60,326.59, together with interest at the rate of $12.26 per diem from October 27, 2010 until paid; plus late charges, advances for taxes and insurance, and Plaintiff's costs herein expended, including a reasonable attorney fee and for any other fees expended for services performed in connection with the defendant's default and for the purposes of protecting Plaintiff's interest in the property and its rights under the mortgage instrument. The property shall be sold upon the following terms and conditions: 1) The purchaser shall be required to pay ten percent (10%) of the purchase price on the date of the sale, to apply on the purchase price; 2) The balance of the purchase price shall be due and payable, in cash or certified funds, within sixty (60) days from the date of sale; DEFENDANTS * * * * * By virtue of a Judgment and Order of Sale of the Pendleton Circuit Court rendered April 28, 2011, in the above action, I shall proceed to offer for sale at the Pendleton County Judicial Center at Falmouth, Kentucky, to the highest and best bidder at public auction on June 16, 2011 at the hour of 10:00 a.m., the following described property: Property Address: 2222 Highway 27 North, Falmouth, KY 41040 Situated on the north side of U.S. Highway #27 and fronting thereon, beginning at an iron pin on the right of way line of U.S. Highway #27, corner to the property of Howard Stanfield; thence running in a northerly direction along the property line of Howard Stanfield to an iron pin, corner to the property of Howard Stanfield and J. M. Mason; thence running in an easterly direction along the property line of Howard Stanfield to an iron pin, corner to the property J. M. Mason to a fence line, corner to the property line of J. M. Mason; thence running in a southerly direction along a fence line, corner to the property line of J.M. Mason; thence running in a southerly direction along a fence line, same being the property line of J. M. Mason, to an iron pin on the right of way of U.S. Highway #27, corner to the property of J. M. Mason; thence running in a westerly direction along the right of way line of U.S. Highway #27, to the place of beginning. EXCEPTION: There is excepted from and out of the above described boundary a certain tract of land conveyed by Arnold L. Conradd (Conrad) and Betty Conrad, to the Commonwealth of Kentucky, by deed dated 10th day of November, 1959 and of record in Deed Book 103, Page 96, Pendleton County Court records. Reference is hereby made to said deed book and page for a more complete description of said and the same is incorporated herein by reference as if copied in full. Subject to any and all easements, restrictions, conditions, and legal highways of record and/or in existence. Being the same property conveyed from Jay Begley and Michelle Begley, husband and wife, to Jay Begley, single, by virtue of a deed dated 07/28/2003 and recorded 09/04/2003 at Deed Book 256, Page 783 of the Pendleton County, Kentucky real estate records. This property is being sold to produce the sum of $71,981.87, together with interest at the rate of 6.25000% per annum from October 22, 2010 until paid; plus additional fees, costs and expenses including advances in payment of ad valorem taxes, insurance premiums, assessments, winterization, and preservation of the Real Property. The property shall be sold upon the following terms and conditions: 3) The purchaser shall be required to execute a bond, with good and sufficient surety thereon for the unpaid balance of the purchase price, said bond to bear interest at the rate of twelve percent (12%) per annum from the date of sale, until paid; 1) The purchaser shall be required to pay ten percent (10%) of the purchase price on the date of the sale, to apply on the purchase price; 4) The purchaser shall have the privilege of paying all or any part of the purchase price or paying said bond before maturity by paying the balance of the principal, together with all accrued interest thereon; 3) The purchaser shall be required to execute a bond, with good and sufficient surety thereon for the unpaid balance of the purchase price, said bond to bear interest at the rate of twelve percent (12%) per annum from the date of sale, until paid; 5) The purchaser shall be required to assume and pay any and all ad valorem taxes on the subject property for the current year, and all subsequent taxes; 4) The purchaser shall have the privilege of paying all or any part of the purchase price or paying said bond before maturity by paying the balance of the principal, together with all accrued interest thereon; 6) The purchaser shall be required to purchase fire and extended coverage insurance on said improvements from the date of sale until the purchase price is paid in full to the extent of the court appraised value of said improvements or the unpaid balance of the purchase price, whichever is less, with a loss clause payable to the Master Commissioner of the Pendleton Circuit Court or the Plaintiff herein. 5) The purchaser shall be required to assume and pay any and all ad valorem taxes on the subject property for the current year, and all subsequent taxes; 7) The subject property shall be sold free and clear of all liens and claims of any party to this action, except restrictions and easements thereon appearing of record in the Pendleton County Clerk’s Office, if any; 8) Possession of the subject property shall be given to the purchaser upon confirmation of Commissioner’s sale, and the Defendants or any persons claiming through them shall have vacated the premises by that time; and 2) The balance of the purchase price shall be due and payable, in cash or certified funds, within sixty (60) days from the date of sale; 6) The subject property shall be sold free and clear of all liens and claims of any party to this action, except restrictions and easements thereon appearing of record in the Pendleton County Clerk’s Office, if any; 7) Possession of the subject property shall be given to the purchaser upon confirmation of Commissioner’s sale, and the Defendants or any persons claiming through them shall have vacated the premises by that time; and 8) Said property shall be sold subject to: 9) Said property shall be sold subject to: a) Assessments for public improvements levied against the subject property, b) Existing zoning ordinances, statutes, laws or regulations; c) Any facts which an accurate survey or inspection of the property may disclose; d) Any right of redemption which may be claimed by the United States of America arising under 28 U.S.C. Sec. 2410. And e) Any right of redemption that may exist in favor of the Defendant(s). a) Assessments for public improvements levied against the subject property, b) Existing zoning ordinances, statutes, laws or regulations; c) Any facts which an accurate survey or inspection of the property may disclose. Bidders will be prepared to comply with these terms. Hon. Kristen J. Smith LERNER, SAMPSON & ROTHFUSS Attorneys for Plaintiff P.O. Box 5480 Cincinnati, Ohio 45201-5480 (513) 241-3100 Bidders will be prepared to comply with these terms. JUDY M. WRIGHT 204 Mill Street P.O. Box 186 Butler, Kentucky 41006 (859) 654-2929 MASTER COMMISSIONER Hon. Bryan W. Schaefer NIELSON & SHERRY, PSC Attorneys for Plaintiff 639 Washington Avenue Newport, Kentucky 41071 (859) 655-8430 JUDY M. WRIGHT 204 Mill Street P.O. Box 186 Butler, Kentucky 41006 (859) 654-2929 MASTER COMMISSIONER

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