CREDIT ARRANGEMENTS (Tables)

12 Months Ended

Dec. 31, 2013

NOTES PAYABLE [Abstract]

Schedule of promissory note

At December 31, 2013 and 2012, the Company had the following outstanding debt:

			Outstanding Principal Balance
Instrument	Issue Date	Maturity Date	December 31, 2013		December 31, 2012
Promissory Note:
HPG Acquisitions	2/7/2007	11/7/2017	$	0	$	202,919
HPG Acquisitions	12/27/2012	3/4/2018		12,000,000		12,000,000

Schedule of lines of credit

Instrument	Issue Date	Maturity Date	Revolving Credit Limit		December 31, 2012		Borrowings	Repayments	December 31, 2013
Lines of Credit:
UTG	11/20/2013	11/20/2014	$	8,000,000	$	1,655,035	3,000,000	2,557,501	$	2,097,534
UTG Avalon	1/3/2013	1/3/2014		5,000,000		5,000,000	0	5,000,000		0
UTG Avalon	3/28/2013	3/28/2014		5,000,000		0	5,000,000	0		5,000,000
UG	12/28/2010	12/5/2014		15,000,000		0	0	0		0

Scheduled principal reduction on notes payable for the next five years

The consolidated scheduled principal reductions on the notes payable for the next five years are as follows:

Year	Amount
2014	$	7,097,534
2015		345,459
2016		478,193
2017		499,278
2018		10,677,070