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ANSWERS: (1) Fewer Shovels; (2) Dollar Signs Missing; (3) Arm Moved Off Table; (4) Fence Longer; (5) Antenna Longer; (6) Hair Different; (7) Table Different 22 DECEMBER 1, 2017 THE BANNER Merry Christmas and have a Happy Safe New Year David & Josh Thompson David’s Tire Center LLC 24hr. Towing & Recovery 20th year in Business KRAMER'S HORSESHOEING & TACK Farrier Supplies • Custom Made Harness & Saddles, etc. Gun Holsters Dress Belts Cell Phone Cases All Natural Grass Finished Beef No Hormones No Grain No Shots 1 1/2 miles west of Crab Orchard Taking Your Animals Potential To The Next Level!! Low Prices on Turn Out Blankets Weaver Girths Equi Max Wormers Place Christmas Orders Early! Special Leather Items! Gift Certificates! Mention this BANNER AD Get $10. 00 off on Purchase of $75. 00 or more! Dog Collars Pet Products Fancy Bridles, etc. Knive Sheaths, etc. Merlin J. Kramer 606-355-9280 Call at 6:30 a.m. to 7:00 a.m. Custom Leather Products Riding Tack Bridles to Saddles Open Mon-Fri 8 a.m. - 5 p.m. Saturday 8 a.m.-12 p.m. (Closed Sundays) 7485 Ky. Hwy 1770 Stanford, KY 40484 Horse Training Farrier Supplies D.A.C. Minerals Christmas Stollen (like fruit cake, but not really, you will eat this!) Ingredients 1 1/2 cups milk 1/2 cup white sugar 1/2 cup powdered sugar 3/4 cup butter 1/2 teaspoon salt 2 eggs 2 egg yolks 5 2/3 cups all-purpose flour 1 ounce active dry yeast 1/2 teaspoon ground cardamom 1/2 cup raisins 1/2 cup candied citrus peel 1/2 cup candied cherries Scald milk. Add sugar, butter, and salt, and cool to lukewarm. Add 2 whole eggs, and 2 yolks. Mix. Add to 3 cups flour and yeast in food processor. Process and let rise until double. Add cardamom, raisins, citrus, and cherries, and rest of Instructions flour. Process and put on floured board and knead. Let rise in greased bowl. When risen, cut into 3-4 pieces. Roll each into an oval, butter, and fold in half lengthwise. Put on greased baking sheet, cover, Prep/Cook 25m, Ready 25m Makes 36Servings, 153 Calories and let rise until double. Bake at 375 degrees F for 25 minutes. Remove to rack. When cool, frost with white butter frosting and decorate with candied cherry halves, dust with powered sugar.
Buying a New Car? Do you know about Doc. Fees? If you’re going through the process of buying a car, you may have come across “doc fees,” or documentation fees. Dealers sometimes charge this fee in addition to a car’s purchase price, and it can often add several hundred dollars on top of the figure that you and the dealer agreed on. So what exactly is a doc fee? Is it a scam? And do you have to pay it? What Is a Doc Fee? A doc fee — also called a document or documentation fee, some dealers will just have it listed as processing fee— is a fee charged by car dealerships to process a vehicle’s paperwork. Essentially, a doc fee covers the cost of all the dealership’s back-office employees, from the people who handle the money to the employees who deal with the title, registration and the DMV. The only problem: Shouldn’t the purchase price cover those costs? After all, if a dealership makes a profit on each car sold, shouldn’t some of that profit go to paying each employee? To many consumers, the idea of an extra charge like this seems fraudulent and unreasonable. But is it fraudulent? In most cases, the answer is no. Many U.S. states don’t regulate the amount of money that a dealer can charge for a doc fee, though some states do. If you’re in a state that doesn’t regulate the fees, prepare for the dealer to hit you with a bill of several hundred dollars, even after you’ve negotiated the purchase price to a point you’ve mutually agreed on. As of July 2011, for the state of KY, the average doc fee was $354, fees ranged from $0 to $698, and there is- No cap or *rules. I have found all kinds of government documentation on how to run a dealership, but for the consumer there is very little information on this. Do You Have to Pay It? So, do you have to pay the doc fee? Some shoppers get so hung up on the doc fee that they forget about the most important part of a carbuying transaction: the bottom line. The bottom-line number includes the purchase price, tax and every single fee you can imagine — and that’s the number you should negotiate. Here’s what we mean: If you’re prepared to pay a certain amount of money with tax for a car, you should ask the dealer to deal in his bottom-line or out-the-door price — a price that includes the doc fee, if the dealer charges one. That way, you’re not haggling over the exact dollar amount of fees and taxes, which can be disheartening. Instead, you’re focused on the price you pay overall, and if the dealer wants to include a doc fee in that price, then so be it. For instance, say you have a $30,000 budget and you’re looking at a $28,000 car with a $500 doc fee. Add in a 7-percent sales tax, and this car costs $30,495. In this case, we might tell the dealer that we’d be willing to pay $30,000 out the door. After that, it won’t matter whether the dealer charges the doc fee or not, since you’re only dealing with the total price. Don’t Get Caught No matter how you choose to negotiate your price when buying a car, we strongly suggest making sure that all the fees have been mentioned before you sign any papers. Be sure to explicitly ask the salesperson if the price includes all fees, so that he or she can come clean THE BANNER DECEMBER 1, 2017 23 about any extra charges you might see on the final paper work. If a new fee crops up after this, be prepared to walk away and find a different car at a more honest dealership. *You cannot negotiate a dealer’s doc fee because they are required by law to charge the same amount to every customer. You can, however, ask them to reduce the price of the vehicle to compensate for a high doc fee. By separating the price, Dealers can advertise a lower price and, as a result, get more people into the dealership. Dealers have many costs associated with selling a vehicle. By definition, all dealer cost, including costs to prepare documents, are part of the price. A buyer should recognize any cost for the dealer to prepare the documents is minimal. Particularly in the age of computers. Why then should anyone pay a dealer hundreds of dollars for nothing. Most dealers have taken this tactic further. They have learned if they have the doc fee printed on every sales contract more people will assume the fee is legit. Another reason they print the fee on the contract is for legal reasons. They must show everyone paid the fee or they risk being sued. However, that does not mean you have to pay it. As this article suggests, simply reduce your offer by the doc fee. Dealers know this fee is negotiable. If your price offer is realistic, based on research, the dealer will not let you walk away. Except for the real government fees such as registration and sales tax, everything at the dealership is negotiable. Hi - View, LLC Rockcastle County (606) 256-3203 Quarry 3740 Lake Cumberland Rd. Mount Vernon, KY 40456 And while they were there, the time came for her baby to be born. She gave birth to her first child, a son. She wrapped him snugly in strips of cloth and laid him in a manger, because there was no lodging available for them. That night there were shepherds staying in the fields nearby, guarding their flocks of sheep. Suddenly, an angel of the Lord appeared among them, and the radiance of the Lord’s glory surrounded them. They were terrified, but the angel reassured them. “Don’t be afraid!” he said. “I bring you good news that will bring great joy to all people. The Savior- yes , the Messiah , the Lord-has been born today in Bethlehem, the city of David! And you will recognize him Open 7am -4pm Monday thru Friday by this sign: You will find a baby wrapped snugly in strips of cloth, lying in a manger.” Suddenly, the angel was joined by a vast host of others-the armies of heavenpraising God and saying, “Glory to God in highest heaven, and peace on earth to those with whom God is pleased.” When the angels had returned to heaven, the shepherds said to each other, “Let’s go to Bethlehem! Let’s see this thing that has happened, which the Lord has told us about.” They hurried to the village and found Mary and Joseph. And there was the baby, lying in the manger. Visit us at: SowerMinistries.org
Page 1 and 2: THE BANNER THE BANNER 606-355-2370
Page 3 and 4: Lincoln County Produce Auction LLC
Page 5 and 6: Vol. 30 No. 23-24 The Banner is pub
Page 7 and 8: THE BANNER DECEMBER 1, 2017 7 CHURC
Page 9 and 10: PRICES SUBJECT TO CHANGE 11/01 Frui
Page 11 and 12: THE BANNER DECEMBER 1, 2017 11 Morg
Page 13 and 14: THE BANNER DECEMBER 1, 2017 Annual
Page 15 and 16: THE BANNER Check us out on FACEBOOK
Page 17 and 18: THE BANNER DECEMBER 1, 2017 17 CLAS
Page 19 and 20: FOR SALE “CONTINUED” 45 RPM Rec
Page 21: Explanation: In the book of Proverb

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