The Press-Dispatch
Issue link: https://www.ifoldsflip.com/i/1205706
A-6 Local Wednesday, Januar y 29, 2020 The Press-Dispatch EPCU is offering a 2.50% APY energypluscu.org 6925 IN-57, Petersburg, IN 47567 But act quickly, this deal won't last much longer! *APY= Annual Percentage Yield. Dividend rate = 0.02472.EPCU is insured by NCUA. Must be a member to qualify. See CU for details. your year off right to start Call, stop by or visit us online today for details and application! 17 MONTH CD Special You can earn 812-354-1134 5-CARD BINGO Post and auxiliary functions ������������������������ No Charge VFW members and auxiliary members ������������������ $ 50 Not for profit organizations ������������������������� No Charge For profit organizations ����������������������������������������������� $ 150 Non-member private functions �������������������������������� $ 150 Wedding receptions �������������������������������������������������������� $ 150 Use of kitchen ������������������������������������������������ $ 50 (Non-Refundable) Yard sales ����������������������������������������� $ 150 per day (No Subletting) COLEMAN-STEWART VFW Post 3587 RENTAL FEES Meeting Hall Rental Fees 1202 E. Main St. Petersburg, IN 812-354-9653 GAME DAY Sunday OPEN HOUSE Food and Beverages available! 2pm "PULL TAB GAMING" LICENSE# 002845 FEB. 2 A clean-up deposit of $50 will be required for all rentals. 5-CARD BINGO BAR Every Friday Night at 6:30pm Obituaries CYNTHIA J. "CINDY" CUNEO Cynthia J. "Cindy" Cu- neo, 59, of Spurgeon, passed away at 12:25 p.m. on Mon- day, January 27, 2020, at Deaconess Gateway Hospi- tal in Newburgh. She was born May 4, 1960, in Huntingburg, to Robert and Elsie (Bailey) Barrett; and married William "Bill" Cuneo on July 1, 2011, in Spurgeon. She worked as a teach- ing assistant at Pike Cen- tral High School, where she graduated in 1978. Fam- ily was very important to her, and she loved her niec- es and nephews as her own children. She is survived by her hus- band, William "Bill" Cuneo, of Spurgeon; two brothers and four sisters-in-law, Jer- ry (Elaine) Barrett, of Win- slow, Mike (Katie) Barrett, of Petersburg, Shirley Bar- rett, of Holland, and Sharon Barrett, of Petersburg; one sister and brother-in-law, Juanita (Keith) Roy, of Pe- tersburg; nine nieces, Dee- na Doerner, Kelly Potter, Shelly Barrett, Tina Fetter, Amy Barrett, Joni Stafford, Dana Fergeson, Jamie Rid- ao and Nicole Weathers; and eight nephews, Danny Bar- rett, Kevin Roy, Scott Bar- rett, Jackie Barrett, Chad Roy, Jason Roy, Tim Barrett and Cliff Barrett. She was preceded in death by her parents; two brothers, Donald and Paul Barrett; and one infant sis- ter, Roberta Barrett. Funeral services will be held at 7 p.m. EST on Thurs- day, January 30, 2020, at the Nass & Son Funeral Home in Huntingburg, with Jer- ry Barrett officiating. Buri- al will take place at a later date in Barrett Cemetery near Stendal. Visitation will be from 3 p.m. until service time on Thursday at the funeral home. Condolences may be shared online at www.nas- sandson.com. See additonal obituaries on page C-7. German American Bancorp report GABC reported that, for the 10th consecutive year, the Company has achieved record annual earnings, posting net income of $59.2 million, or $2.29 per share, for the year ended on De- cember 31, 2019. This level of annual earnings perfor- mance resulted in a double- digit return on sharehold- ers' equity in 2019, marking the 15th consecutive fiscal year in which the Company has delivered a double-dig- it return on shareholders' equity. The Company also announced a new share re- purchase plan for up to one million GABC shares and the declaration of a 12 per- cent increase in its quarter- ly cash dividend. Annual net income for 2019 represented an in- crease of $12.7 million, or approximately 15 percent on a per share basis, from the prior 2018 net income of $46.5 million, or $1.99 per share. Fourth quarter 2019 net income of $15.8 million, or $ 0.59 per share, represented approximately a 34 percent increase, on a per share basis, from fourth quarter 2018 net income of $11.0 million, or $ 0.44 per share. The operating results of both 2019 and 2018 were reflective of the inclusion of the acquisition of Citizens First Corporation of Bowl- ing Green, Kentucky on Ju- ly 1, 2019 and First Securi- ty, Inc. of Owensboro, Ken- tucky, on October 15, 2018. Mark A. Schroeder, Ger- man American's Chairman & CEO, stated, "2019 saw the continuation of our on- going efforts to build upon our historic levels of growth and profitability and the en- hancement of long-term shareholder value. Family of Tina Norrington has Celebration of Life luncheon The family of Clotean "Tina" Norrington had a luncheon to celebrate Ti- na's life on Friday, Jan. 24. Present were her husband, John Norrington, of Win- slow. sons, daughter in-law, and grandchildren, from northern Illinois, brothers and niece, from Tennessee, brothers-in- law and sisters- in-law, from North Carolina and Lynnville. Should I be worried about that condensation? (StatePoint) If you take a look at your home's windows and doors in winter, you may notice condensa- tion. As temperatures drop, it often appears on the inside and outside of these surfaces. Here's what you need to know about why condensation occurs, when it matters and what you can do about it: INTERIOR CONDENSATION When the heat is on inside the home in wintertime, a certain amount of humidity feels good — we breathe easier, our skin is less dry and there's less static in the air. This is fine usu- ally, but when temperatures outside get extremely low, problems can arise. Under these circumstances, humidi- ty can generate condensation on your windows — whether they're old or new — and this should be managed. While there's no problem with con- densation on the window glass itself, (except for the fact that visibility can be obscured) that condensation could affect wood trim around the windows and lead to mold and rot. Perhaps even worse, it could be an indicator that condensation is also occurring with- in your walls, which can lead to un- healthy mold. Unfortunately, the most common sources of home humidity are every- day parts of life, including showers, cooking, doing laundry and even fish tanks. However, if you see condensa- tion on your windows there are two ac- tions that experts recommend. One, if you have a humidifier, turn it down. The second, use a dehumidifier. EXTERIOR CONDENSATION Exterior condensation occurs when the dew point temperature approach- es the outside air temperature. When the air is saturated and can't hold any more moisture, water vapor forms droplets on surfaces — including your roof, siding, windows and doors. If you have energy-efficient win- dows, you may notice exterior con- densation occur more than you did when you had older, less energy-ef- ficient windows that allowed warmth from inside the home to reach the out- side glass pane and dissipate the con- densation. Unlike with interior con- densation, there's nothing to worry about in the case of exterior conden- sation. Moisture on the outside pane of glass is normal and a good sign that your windows are functioning correct- ly to prevent warmth from reaching the outside glass. The condensation will dissipate when the outside air temperature rises. NEXT STEPS If there's no condensation on the exterior of your windows but there's moisture on adjacent exterior surfac- es, this would be a good indicator that it's time for new windows. Also, if you get constant internal condensation on your windows in very cold weath- er and your humidity is low, then up- grading to a more thermally efficient window would be a good idea. Look for high-performing replace- ment windows with the latest techno- logical advances that offer maximum efficiency and comfort. Third-par- ty recognition for a particular brand or product is a strong indicator that you're investing in a quality product. A recent "Remodeling" magazine sur- vey of remodeling contractors ranked ProVia vinyl windows as number one in window quality in part because of their features that are tested against the most stringent requirements for air and water infiltration. This winter, pay attention to your home windows, glass doors and other surfaces. Understanding the ins and outs of interior and exterior conden- sation can help you address potential issues. Looking to buy a home in 2020? (StatePoint) If buying a home is on your near-future to-do list, experts say that 2020 may be a good year to make it happen. Mortgage interest rates are near his- toric lows, providing you with the opportunity to fi- nance a new home purchase at a much lower cost. According to a new fore- cast from Freddie Mac, mortgage rates will stay in the 3-4 percent range for all of 2020 and 2021, giv- ing prospective homeown- ers substantial time to plan their purchase. This, com- bined with modest infla- tion and a solid labor mar- ket, makes for good climate to buy a home with a fixed rate mortgage. For those who are already homeown- ers, refinancing now may be a good idea. "For those serious about homeownership, today's sub 4 percent mortgage rates should not be taken for granted," says Freddie Mac chief economist, Sam Khat- er. "For comparative purpos- es, in 2000, rates averaged eight percent; and in the 80s, they spiked to 18.5 percent." Khater stresses that while mortgage rates are an essen- tial factor to consider in the home-buying process, there are other important items to think about as well as you lay the groundwork for your purchase. These include get- ting a firm handle on your fi- nances, knowing your cred- it score (and taking steps to boost it if necessary) and familiarizing yourself with down payment options. For more information and tools on home buying and home- ownership, visit myhome. freddiemac. Whether you are mak- ing the jump from renting to owning, or looking for a home that better meets your current needs, now may be a great time to consider mak- ing your real estate dreams a reality. Today's low rates could save you money for years to come.