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Show Wednesday, July 26, 2000 Page 4 Times Newspaper r LDS Apostle to receive Distinguished Eagle Award On January 6, 1955 Jeffrey R. Holland was awarded his Eagle Badge in st. George, Utah. As an Eagle Scout he has continued contin-ued to serve God, his country and other people by following the principles of the Scout Oath and Law. Those ideals have given direction to a life of service for over forty-five years. On Friday, August 11 at 9:00 a.m. in Fillmore, Utah, Elder Holland will be presented the Distinguished Eagle Scout Award by Mr. Robert Gates, President of the National Eagle Scout Association and former head of the Central Intelligence Agency. The award comes by way of nomination of the Utah National parks Council and approval ap-proval by the Boy Scouts of America recognizing a lifetime of service and commitment to the ideals of Scouting. The Distinguished Eagle Scout Award is conferred upon Eagle Scouts who after 25 years have distinguished themselves Religious Emblem Program Jamboral highlight The Utah National Parks council Millennial Jamboral, held Aug. 10-12, 2000, will highlight high-light the Religious Emblem Program Pro-gram as part of the Friday night show. President Thomas S. Monsen of the LDS Church First Presidency Presi-dency will speak to the Scouts along with the Chief Scout Executive, Ex-ecutive, Roy Williams and BSA National President, Milt Ward. At the heart of the Scouting movement is "Duty to God." The Cub Scout promis, Boy Scout Oath and Venturing Oath all stress the importance of reverence rever-ence toward God. there are several sev-eral reasons why the Utah National Na-tional Parks Council promotes the religious emblems program to its members. ' -SB-. mil-, v. JKS through their life's work and who have shared their talents with their communities on a voluntary basis. Elder Holland has served as President of Brigham Young University and is currently giving full time service ser-vice to The Church of Jesus Christ of Latter-day Saints as a member of the Quorum of Twelve Apostles. Elder Holland previously previ-ously served as the Church Commissioner Com-missioner of Education, Dean of the College of Religious Education Educa-tion at BYU, President of the American Association of Presidents Presi-dents of Independent Colleges, and member of the President's Commission for the NCAA. The Distinguished Eagle Scout Award, implemented about 30 years ago has been presented to 1400 recipients - six from the Utah National Parks Council. Elder Holland will be recognized after the morning flag ceremony on August 11 at the Jamboral in Fillmore where more than 30,000 Scouts and leaders will be in attendance. To encourage young people to grow stronger in their faiths. To help young people fulfill their "Duty to God." T reinforce the values taught by Scouting. To make leaders aware of these programs. As a service to members and their families. As a service to the religious community. At the Jamboral each Unit leader will receive information on "Duty to God" requirements for each religious affiliation. The leader has a step-by-step procedure proce-dure on how to get each young man started in this inspirational program. For more information concerning this program, contact con-tact the Utah National Park Council at 373-4185. Congratulations!!! 2000 Utah Vailsy Parade of Homes Best of Show Residential Energy Efficiency Award Winner Dale DeLlamas Construction Cancellation of private mortgage insurance: Federal law may save you hundreds of dollars If you put less than 20 percent down on a home mortgage, lenders lend-ers often require you to have Private Mortgage Insurance (PMI). PMI protects the lender if you default on the loan. The Homeowners Protection Act of 1998 - which became effective in 1999 - establishes rules for automatic au-tomatic termination and borrower bor-rower cancellation of PMI on home mortgages. These protections protec-tions apply to certain home mortgages signed on or after July 29, 1999 for the purchase, initial construction, or refinance of a single-family home. These protections do not apply to government-insured FHA or VA loans or to loans with lender-paid lender-paid PMI. For home mortgages signed on or after July 29, 1999, your PMI must - with certain exceptions -be terminated automatically when you reach 22 percent equity eq-uity in your home based on the original property value, if your mortgage payments are current. Your PMI also can be canceled, when you request - with certain exceptions - when you reach 20 percent equity in your home based on the original property value, if your mortgage payments pay-ments are current. One exception is if your loan is "high-risk." Another is if you have not been current on your payments within the year prior to the time for termination or cancellation. A third is if you have other liens on your property. prop-erty. For these loans, your PMI may continue. Ask your lender - or mortgage servicer (a company that collects your payments) for more information about these requirements. If you signed your mortgage before July 29, 1999, you can ask to have the PMI canceled once you exceed 20 percent equity in your home. But federal law does not require your lender or mort UTAH ENERGY CONSERVATION gage servicer to cancel the insurance. in-surance. On a $100,000 loan with 10 percent down ($10,000), PMI might cost you $40 a month. If you can cancel the PMI, you can save $480 a year and many thousands thou-sands of dollars over the loan. Check your annual escrow account ac-count statement or call your lender to find out exactly how much PMI is costing you each year. Additional provisions in the law New borrowers covered by the law must be told - at closing and once a year - about PMI termination ter-mination and cancellation. Mortgage servicers must provide a telephone number for all their mortgage borrowers to call for information about termination ter-mination and cancellation of PMI. Even though the law's termination ter-mination and cancellation rights do not cover loans that were signed before July 29, 1999, or loans with lender-paid PMI signed on any date, lenders or mortgage servicers must tell borrowers about the termination termina-tion or cancellation rights they may otherwise have under those loans (such as rights established by the contract or state law). Next steps Some states may have laws that apply to early termination or cancellation of PMI - even if you signed your mortgage before July 29, 1999. Call your state consumer protection agency for more information about your state's rules. Fannie Mae and Freddie Mac, which buy home mortgages from lenders, also may have guidelines affecting termination or cancellation of PMI on home mortgages signed before July 29, 1999. Check with your lender or mortgage servicer, ro call Fannie Mae or Freddie Mac, for more informa- m COALITION, INC assays tion. Contact your lender or mortgage mort-gage servicer to learn whether you're paying PMI. If you are, ask how and when it can be terminated ter-minated or canceled. For more information The federal Trade Commission publishes a series of free credit-related credit-related publications. For a complete com-plete list of publications, call toll-free: 1-877-FTC-HELP (382-4357), (382-4357), TDD: 202-326-2502; visit: www.ftc.gov: or write: Best Sellers, Sell-ers, Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. r j5 ti A V', v I : I J m ) ....,nr:)-i v-i 1 i MATTHEW MEINEHS Matthew Meiners earns Eagle Matthew Meiners received his Eagle Scout award in a special ! Court of Honor held July 16. He -is the son of Michael and Holly Meiners of Lindon. For his Eagle service project, he helped to replace and repair a fence around the Lindon Stake Center. Matt will be a sophomore at Pleasant Grove High School this fall. Babies born to local parents Utah Valley Regional Medical Center July 1 Boy to Rebecca and Scott Bangs of Orem Girl to Rebecca and Jerry Huffman of Orem Boy to Dena and Dwight McKell of Orem July 2 Boy to Jami and Gordon Garrett of Orem Girl to Andrea and Sean Neahusan of Orem Boy to Linda and Stephen Pratt of Orem July 3 Girl to Tracy and Mikhail Goloborodko of Orem Boy to Jennifer and John Hair of Orem Boy to Rebecca and Seth swindle of Lindon Boy to Geneal and Reed Wilson of Lindon July 4 Boy to Rosa and Hector Castillo of Orem Boy to Holly and Michael Noyes of Pleasant Grove Boy to April and Michael Sorensen of Orem July 5 Boy to Fatafehi and Penisimani Schneider of Orem July 6 Boy to Jessica and Bruce Braithwaite of Pleasant Grove Boy to Rebecca and Jason Carpenter of Orem Boy to Teri and Paul Crossett of Orem Girl to Cindy and Michael Easton of Orem Girl to Rebecca and Matthew Kent of Orem July 7 Girl to Gwen and Mitchell Heath of Orem Boy to Marianne and David Hunt of Orem Boy to Belinda and John Pettitt III of Orem Orem Community Hospital June 13 Boy to Alicia and Lee Bender Jr. of Lindon Boy to Dari and Keith Thacker of Orem June 14 - Girl to Amy and Jonathon Baxter of Orem June 16 Boy to Cherie and Thomas Bartley of Orem June 13 Girl to Jacqueline and Nels Beveridge of Orem June 19 Boy to Suzanne and Shaun Carter of Pleasant Grove Girl to Molly and Stephen Spencer of Orem June 20 Girl to Sarah and Robert Sumsion of Orem June 21 Boy to Wendy and Travis Briggs of Orem Boy to Melissa and Mathu Crandall of Orem Girl to Tammy and Larry Peck of Orem June 22 Girl to Elena and David Aland of Orem June 23 Girl to Lara and Jay Wallace of Orem June 24 Girl to Margo and Christian Peay of Orem June 25 Boy to Joeslia and Gary Bell of Orem Boy to Wendy and Leland Fenton of Orem June 2S Girl to Mary and James Christensen of Lindon e Girl to Rachelle and Benjamin Randall of Orem June 29 . Boy to Cherice and Allen Andrew of Orem Girl to Allison Jasper of Orem Boy to Geri and Christopher Tschirki of Orem July 2 Boy to Andrea and Shane Fowers of Orem Scrapbooking and .family history -conference set for Utah County When Associated Press sent a wire story nationwide, on July 19, about the emergence of scrapbooking as one of the hottest hot-test hobbies in the country, Mindi Christensen was ecstatic. Christensen, director of convention con-vention sales for the Utah County Convention and Visitors Bureau, has been working on organizing a big scrapbooking and family history conference to be held here March 22-24, 2001. "Even before the Associated pres article hit the streets and even though we haven't even started officially marketing the event, we were already getting inquires from vendors," Christensen said, "many people don't realize how big scrapbooking has become and, of course, family history and genealogy has been one of the world's most popular hobbies for some time." "Scrapbooking conferences, workshops and conventions are getting to be a really big thing," Christensen continued. "We certainly cer-tainly won't be hosting the first-ever first-ever scrapbooking even. However, How-ever, to the best of our knowledge, knowl-edge, this will be the first time a scrapbooking conference has been combined with a family history his-tory conference and that alone should make this event special. The two areas of interest really do go together." The Convention and Visitors Bureau has several goals in mind for this event, Christensen said. "We want to let the world know that we are a hotbed for this great hobby. We want to give local scrapbookers and family history enthusiasts an outstanding outstand-ing opportunity and finally we hope to bring in lots of visitors from outside the area and fill the hotels and restaurants. If all goes well, this could be the first of many conferences." For more information, call Mindi Christensen at (801) 370-8107. r 5 r 3 b ti d a v V g t t C r S i i ! i i |