An ongoing battle between inland and coastal homeowners in North Carolina has reached something of a Morton's Fork in the road.  It is a compromise but like many such compromises, both sides of the issues are dissatisfied. 

         Morton's Fork reasoning was named for King Henry VII of England's chief tax collector, who figured out a clever way to identify those who could pay the most taxes.  If merchants spent money lavishly and publicly, he levied heavy taxes on them.  If other merchants lived frugally, the Lord Chancellor reasoned that they had saved up enough money to afford to pay the king handsomely as well.  Neither group, as one might imagine, was impressed by Lord Morton's cleverness.

         The good lord came to mind today as I read an article in the Wall Street Journal about how North Carolina lawmakers have tried to split a difference between inland and coastal homeowners in the state.  Inlanders believe their fellow Tar Heel coastals

A new law in North Carolina caps state coverage for hurrciane damage at $750,000, half the previous amount.

are getting too good a deal on insurance.  The issue is about hurricane coverage and, simply put, the state provides an insurance pool for homeowners whose homes are damaged or destroyed by storms.  Until the new law was passed recently, up to $1.5 million was available to thousands of coastal homeowners with properties worth that or more.  Now with the new law, which was enacted largely to appease inland owners who contribute to the pool even though their homes are valued at hundreds of thousands of dollars less than those at the beach, state lawmakers have cut the total available to $750,000.  This means that, to protect themselves, coastal owners need to go out and buy additional private insurance at high prices, in some cases tens of thousands of dollars.

         But inland owners are not off the hook entirely.  In the event of a major hurricane that causes damage in excess of the $1 billion private insurers are compelled to cover, inland policyholders in North Carolina will be on the hook to help pay the difference.  That could mean surcharges on their own premiums of up to 10%.

         Lord Morton would be proud.  Those interested in a golf community along North Carolina's beautiful coast should take note.

         In a few days, we will publish our "back to school" edition of Home On The Course, our free newsletter.  This issue will include our picks of the top five towns in the south that combine major universities with "lifelong learning" programs, and excellent nearby golf communities.  Please sign up for the newsletter today by using the handy box at the top left of this page.

         Some of our top towns, and others that just missed being on our list, offer incredible bargains in continuing education curricula that are impressive and surprising.  In some cases, you can take as many

The Evolutionary History of Bats may not be for you, but the range of Lifelong Learning courses offers something for everyone, and in areas that feature excellent golf communities.

courses as you would like for less than the green fees at the local municipal golf course.  The University of Tennessee at Knoxville's partnership with a local senior citizens group, for example, yields an interesting array of personal development courses at just a $55 annual membership fee per couple ($40 for a single).  The "Magic of Opera" and "The Evolutionary History of Bats" are just two of the eclectic array of courses being offered in the Knoxville area this fall.

         Nearly 1,800 of the 4,000 members of the Center for Creative Retirement at UNC-Asheville are younger than 64, so don't expect too many canes leaning against classroom desks.  Do expect, however, one of the most evolved adult education programs in the nation.  Every May, the Center offers a Creative Retirement Exploration weekend that provides seminars, stimulating discussions, guided tours, social events with local retirees and lots of food for thought about making the transition to retirement and a new hometown, whether it is Asheville or some other area.  Those who wind up in Asheville can sign up for the popular College for Seniors which offers four terms each year, with courses of wide diversity, like Chaucer, computers, foreign affairs, and yoga.  Classes are taught by some faculty and some seniors with expertise in particular fields.  All classes are free after payment of an annual $50 fee.

        At Furman University, the Osher Institute of Lifelong Learning offers 15 classes of your choice annually for just $325.  Individual classes are priced as low as $40.  The dozens of courses this fall run the gamut from the "Great Trials in History" to "Sock Knitting" to "Beginners Golf," which is taught by the assistant pro at Furman's own golf course.

         The William and Ida Friday Center for Continuing Education at the University of North Carolina at Chapel Hill provides a "citizen's classroom," a variety of short courses that meet weekly for two hours and cost just $50 each.  For October, classes titled "Write Your Life" and "Authentic Happiness" are full, but "The Coming of the U.S. Civil War" and "Inside ACC Basketball: The 2009-2010 Season" are still available.  Understand that if you live in Chapel Hill, prepare to be surrounded by UNC fans, some of them transplants from up north.  Don't be surprised if one of them is teaching the course.