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Show The Garfield County Insider Page 6 February 12, 2009 PANGUITCH INVITATIONAL SCIENCE FAIR There has been science in the air in Panguitch the last few weeks. The Panguitch Middle/High School had their annual Science Fair on January 20th. It was a bib success. Students 7th grade to 8th grade were invited to enter the Junior Fair. The students 9th to 12th grade were invited to enter the senior fair. All students were awarded a certificate for their participation in the Science Fair. Over sixty students participated. The sponsors for the fair were: Panguitch Middle School Panguitch High School Parent Teacher Student Organization Panguitch Middle/High School Joes Main Street Market Garfield County Hospital Panguitch City Zions Bank Yardley Insurance Parkin Dental Red Rock Eye Clinic R & R Welding Red Brick Inn Security Title Hogi Yogi Subway Big THANK YOU to the sponsors. The winners in both the Senior and Junior Divisions were awarded trophies and prize money they are as follows: Senior Fair Winners: 1st place Baylee Vasquez, In The Stars 2nd place Shon Osborn, Basic Thrust 3rd place Shelby Taylor, After Images Junior Fair Winners 1st place Frecia Houston, Does color affect how fast a person reads? 2nd place ended in a tie 2nd place Keldon Norris, Got white teeth 2nd place Wyatt Moore/Briton Marshall Does water have skin? 3rd place Cortney Josie/Shelby Gibson, Which pop is worse? Honorable Mention Medals were awarded to: Senior Fair Junior Fair Qishen Zhang Dalan Bennett Taelyr Tebbs/Zach Brophy Mckenna Finch, Katelyn Parkin Aubrey Parkin/ Jaelyn Gillett Sam Vasquez, Cody Marshall Trac Norris Evan Perkins, Jacob Brophey Natashia Barney/ Carly Holman Natalie Birch, Macey Stephenson Caleb Holman Troy Huntington Katie Rosser/ Chandler Campbell David Thomas HELP WANTED Garfield Memorial Hospital has positions available both positions are as needed at this time. • Housekeeper - Requisition # 61069, This position will be as needed - variable shifts • Long Term Care Nurse Assistanct - requisition #61071 This position will be as needed - variable shifts To apply www.intermountainhealthcare.org or call Carla 435-676-1256. Positions will close when filled. REAL ESTATE For Sale Pioneer Red Brick Home Panguitch 3 bedroom,1 bath,1408 sq. feet Original wood floors and cabinetry. Enclosed sunporch. New roof, cement, windows, furnace. Bathroom remodled. 435676-8739 Team Coach: Duties include working directly with students 13 – 17 years old. Must be a positive role model, interacting with students during evening and weekend recreational activities. All shifts available. Qualifications: Must be 21 years old, have a high school diploma, current driver’s license and able to pass a background check. Wage DOE. Receptionist Needed. Full-time, Great phone etiquette is a must, able to multi-task, prior experience helpful but not necessary. Must be 21 years old and able to pass a background screening. Interested individuals may send cover letter and resume to Lee Ann Fielding at 435-676-8482 or fax 435-676-8488 lfielding@silveradoboysranch.com UTAH STATE COURTS PLAN JUDGE FOR A DAY PROGRAM 1-888-braceme RICHFIELD, UT Orthodontic guidance can begin as early as 7 years of age. So, if you have children between the ages of 7and 9, we have some great news for you! You can bring your children in now to help prevent future orthodontic challenges. Simple give us a call to schedule and appointment. Family Science Night On January 26th a Science Night was held at the Panguitch Elementary School for all Panguitch families. The family evening was sponsored by Panguitch elementary, New Frontiers for Families and Panguitch PTO. Celebrating Lincoln’s Bicentennial Students who believe of Independence. On May TV dramas such as “Law 1, 1958, President Dwight and Order,” are an accurate D. Eisenhower proclaimed depiction of how the courts the first Law Day as a day operate can judge for them- of national dedication to selves as part of the fourth the principle of government annual Judge for a Day prounder law. gram offered by the Utah Each student will shadow State Courts. a judge in one of the state’s The Judge for a Day eight judicial districts in program is organized by the state courts in recogni- either April or May. The tion of Law Day, which is student will spend the day on May 1, 2009. The state learning what it takes to becourt is asking Utah high come a judge, the duties a schools to select a student judge performs, and about to participate in the pro- the judicial branch of govgram based on an essay, ernment. Schools are asked to subcivic involvement resume, mit an application form by or teacher nomination. Student essays should March 6, 2009 to the Utah be written about the “A State Court’s public inforLegacy of Liberty: Cel- mation officer, Nancy Volebrating Lincoln’s Bicen- mer, at nancyv@email.uttennial,” which is the 2009 courts.gov. An application Law Day theme. The Law form for Law Day is availDay theme is selected by able on the court’s Web site the American Bar Asso- at www.utcourts.gov. More ciation and will explore the information on the Law role of law in fulfilling the Day theme is available at promises of the Declaration www.lawday.org. Seniors and the “Credit Card Bubble” THE ELDERLAW FORUM ~ Professor Michael Myers It was a successful night with over 125 participates, in attendance. Simple, hands on activities were set out they were designed to promote parent-child interaction, the event helps parents come more involved in their children’s education and spark an interest in science among the students. Some of the fun activities were Soda bottle Symphony, Iron in Breakfast Cereal, from Glue to Glob, Invincible Balloon, Exploding Mentos, and more. Refreshments were provided by Parents of Panguitch Elementary, and several Boy Scout Groups were in attendance. One Group displayed their homemade projects. The Panguitch Governors Youth Council brought several students who helped with a couple of experiments. It was truly a fun family event. Look for it again next year. Once upon a time—not long ago—U.S. banks made credit card loans indiscriminately—to the unemployed, the disabled, the recently-divorced, the college dropout, the bankrupt, and the sick, including disabled seniors living on Social Security. Their risk was collectively and statistically safe. The industry’s bad debt ratio had stabilized at a modest 2.7 percent. Interest rates could be increased mid-stream. Congress had been bought. Bad accounts were sold to professional bill collectors. Business was good. But this is 2009, year two of a deepening recession. The “Credit Card Bubble” has burst. Two emails to my senior legal helpline are illustrative: “We owe $93,000 on our home we purchased two years ago. Since we bought our home I have become totally disabled and cannot pay my credit card bills and still live with a roof over my head. My credit card debt is $45,000. What is legally going to happen to me? We have no assets or cash deposits or any money in savings; just a small checking account.” The second email read: “Currently both of my parents have retired to Florida. I reside in a New England state and I am trying to assist my mother, 77, in pursuing bankruptcy. Currently she has credit card debt of about $30,000. At times she is unable to afford her medical expenses. She is living off of her pension and Social Security of about $2,000-a-month. Her mortgage is $1,800 (she pays half). Assistance in this matter would be appreciated.” In the first case the $93,000 home loan is secured by a mortgage. To “keep that roof over their head” they must continue payments to avoid foreclosure. The credit card lender is an “unsecured creditor.” It will likely sell the $45,000 debt for pennies-on-the-dollar to a collector, which may—but probably will not—obtain a judgment. In the end, it is unlikely there will be assets available to satisfy any portion of the judgment. His Social Security disability benefit is exempt from levy or garnishment. The second case is similar. Her mother’s Social Security retirement benefit is exempt; however, she should opt out of the automatic deposit because judgment creditors will attach a checking account on the grounds that it is without information that Social Security was the source of the deposits. She must continue making her mortgage payments, even if bankrupt. (Pro bono legal information and advice is available to persons 55 and older at the USD Senior Legal Helpline, 1-800-747-1895; mmyers@usd.edu. Opinions are exclusively those of the author and not the University of South Dakota School of Law). |