OCR Text |
Show 4A Emery County Progress, Castl6 Dale, Utah - Tuesday, October 21, i997 Opinion Letters to the editor STAFF COLUMN SGifiii 'nenspaper inlasDDfiUQs By Kevin Ashby Miflifcif Iraqi Head Seeks Arms Is There a Ring of Debris Eacrf Catr Every once in a while the readers deserve some lighter reading in this editorial column and today is the day. Eric Mantz emailed this information to me that shows just how much thought we newspaper people put into headline writ- ing. As you can see, there are no examples from the Sun Advocate as we do such a great job with our headlines (right!!!) Read them slowly as some take a little thought to digest. Real newspaper headlines: Include Your Children when Baking Cookies Something Went Wrong in Jet Crash, Expert Says Police Begin Campaign to Run Down Jaywalkers Safety Experts Say School Bus Passengers Should Be Belted Drunk Gets Nine Months in Violin Case Survivor of Siamese Twins Joins around m te timm Ura- nus? Prostitutes Appeal to Pope Panda Mating Fails; Veterinarian Takes Over British Left Waffles on Falkland Islands Lung Cancer in Women Mushrooms Eye Drops Off Shelf Teacher Strikes Idle Kids Clinton Wins on Budget, But More Lies Ahead Enraged Cow Injures Farmer With Ax Plane Too Close to Ground, Crash Probe Told Miners Refuse to Work after Death Juvenile Court to Try Shooting Defendant Stolen Painting Found by Tree Two Sisters Reunited After 18 Years in Checkout Counter Killer Sentenced to Die for Second Time in 10 Years Never Withhold Herpes Infection from Loved One War Dims Hope for Peace If Strike Isn't Settled Quickly, It May Last SUWA needs to be held accountable a While Cold Wave Linked to Temperatures Deer Kill 17,000 Enfields Couple Slain; Police Suspect Homicide Red Tape Holds Up New Bridges Typhoon Rips Through Cemetery; Hundreds Dead Man Struck By Lightning Faces Battery Charge New Study of Obesity Looks for Larger Test Group Astronaut Takes Blame for Gas in Spacecraft Kids Make Nutritious Snacks Chef Throws His Heart into Helping Feed . - Needy Arson Suspect Held in Massachusetts Fire Ban On Soliciting Dead in Trotwood Local High School Dropouts Cut in Half New Vaccine May Contain Rabies Hospitals are Sued by 7 Foot Doctors If you have something to say to our readers and you have access to the email send us a note to kashbysisna.com or visit our web page at www.sunad.com. STAFF COLUMN Prepaying home mortage can save thousands of dollars By Kevin ISibllihw CT Comrty Ashby a purchase. An article in the Wall s, stated that "in the mid-1990- , I sits, very way the terrible tragedies of many who have unwisely borrowed for things they really do not need. Have you noticed that it is possible to purchase almost anything today without money in hand. In fact, many companies work hard to create a mind-se- t in which consumers expect to go into debt to make QOO ous amounts on a $100,000 mort9 at interest. gage percent Prepay $10 a month: 30-ye- ar Street Journal the temptaWe all know that borrowed money is tion to plunge into debt may be greater had only at a price and many times in our than ever. As banks compete furiously lives that price is more than just a bother. one another to lend, they are delagainst It is burdensome. offers' uging consumers with credit-car- d Interest is money paid by a borrower to In fact, one organization estimated that a lender for the use of that money. Debt credit-car- d companies mailed out over two allows the current use of future income, billion credit-car- d solicitations in 1994 but that privilege often carries a heavy alone. penalty .in high interest costs. You can see that the ease of obtaining Have you considered just how much credit has become a significant source of money you are paying in interest each year to some people, many of and made a determination of just how far temptation whom may eventually find themselves in debt you are versus how much you trapped by debt with little to show for it. should be to alleviate so of those money And it worsens when debt financed items , pressures? in drop value faster than the loan on them Have you fallen victim of the easy credit is repaid. Ever been in that situation? trap where overtime you owe $5,000 and saw in a recent magazine article a chart even $10,000 on a credit card? showing that paying extra money on the Financial advisor Scott Nash say that mortgage principal each month, reasonable debt for the purchase of an af- homeowners could realize significant savfordable home and perhaps for a few other In even a small amount added ings. fact, necessary things is acceptable. But from to the monthly principal payment can prohe sees a where he vivid duce dramatic returns. For example, payments on a home mortgage of $100,000 at 9 percent run $804.62 a month. If merely 10 percent, or $80.46 is added to the mortgage payment each month, the mortgage would be paid off 9 years sooner, saving $67,000! The following paragraphs illustrate how much could be saved by prepaying vari 30-ye- ar O i497 sn meftooMioM .tmiauMt Htwi I4tvic4 DONT REMEMBER SPEEDING AND I BELIEVE I DID NOT VIOLATE THE LETTER OP THE LAW, BUT I IF I DID, THERE WERE LOTS OF OTHER PEOPLE SPEEDING, AND MAYBE THE LAW NEEDS CHANGING Total Mortgage Payments: $276,283 Total Time Saved: 20 mo71.7 yrs. Total Interest Savings: $13,381 Prepay $25 a month: Total Mortgage Payments: $260,220 Total Time Saved: 47 mo.3.9 yrs. Total Interest Savings: $29,444 Prepay $100 a month: Total Mortgage Payments: $213,871 Total Time Saved: 124 mo710.3 yrs. Total Interest Savings: $75,793 And then what happens? Nash points out that efforts to reduce a mortgage can be hampered by a relatively new twist to consumer spending: the home equity loan. These loans are often used to finance everyday purchases or to consolidate credit card and other consumer debts that increase the burden of long-terdebt on a family or individual while eroding a home's equity. To reduce debt, it is necessary to establish spending priorities that would include the prepayment of outstanding debt when possible, establishing a rainy day m fund to cover unexpected financial storms, and creating a long-tersavings plan for educational and retirement expenses. It is not a bad thing to take responsibilg and to live ity for our financial within our means. m well-bein- their elected officials are defy- ing no one. They are asserting Editor, rights on rural roads that they In 1992, then congressman, have held since 1866. Wayne Owens was distributing Second, the citizens ofUtah a campaign fund raising bro- and their elected officials are chure alongthe East coast boastwe the people not special ing that "You can help cancel interests. out every single one of Orrin Third, the law under which Hatchs votes. local government holds rights to Owens was catering to lib-- . the peoples roads is valid law, eral eastern financiers in his not a loophole. ", race against Bob Bennett. At Fourth, the law under which the same time Owens was tell- rights to rural roads are held is ing Utahns that he and Hatch not obsolete. It is current and would be a team that would binding on all roads in place work for the good of Utah. before 1976. When Owens two facedness was finally exposed Bennett went on to win. Today, the Southern Utah Wilderness Alliance (SUWA) is using the same strategy that Owens tried five years ago. With their million dollar plus . annual tax exempt budget, SUWA is peppering the East coast with statements like, In a defiant challenge to citizens everywhere, a handlaw-abidi- ful of politicians and special interests are using a vague, one sentence loophole in the obsolete 1866 Mining Actto cut roads through our most spectacular national parks, forests and monuments. . There are five lies in this one sentence. First, the citizens ofUtah and Hunters have rights Dear Editor When our ancestors were living in the old country, they did not enjoy many of the freedoms that we take for granted. When my tenth was living in England from 1602 to 1630, he was a cobbler by trade which put him in the yeoman class. He owned no gun and no land. Then in 1630 he came to r. America. Here he became a In Americahe could own a gun. In America he could go into the woods and kill some game and put food on his table. Five generations and 146 years passed, and the Revolutionary War came along. The great-grandfath- er land-owne- Britons brought soldiers to America. These men needed a place to eat and sleep (and drink tea), so the Britons would walk into any private home and declare that they were going to quarter soldiers there. The New Englanders rebelled. There were also other freedoms that England wanted to deny the Colonists and the war was fought. The Patriots won. Fifth, not one road has been cut through a park or any other federal land under provision ofthe 1866 law since 1976. If SUWA is using Owens ethics impaired propaganda strategy it is no coincidence. Wayne Owens is chairman ofthe Board of Directors of SUWA. Once the facts are known, can anyone question why the honorable counties ofUtah have mounted a SUWA Watch project? Who else is going to hold SUWA accountable for its lies? If ever there was a radical special interest faction that needed to be held accountable it is SUWA Paul L. Young St. George rifle and a pheasant-huntin- g shotgun). That is a right protected by the Constitution; it is numbertwointheBillofRights. They declared that our homes are our private domain and no one not the Government or anyone else can move in; thats number three in the Bill of Rights. They declared that we could own land, and no one not the Government or anyone else can step on our land without our permission; therefore, anyone intruding is trespassing. N ow then all you hunters you dont want to lose your right to own a gun. You dont want yourself and your fellow citizens to lose their right to own a house and be free from invasion of privacy. And you dont want private landowners to lose their right to own land and protect it from trespass. When you are out hunting and you come to a fence where the land is posted No Hunting, please dont bad-mou- th the landowner. Remember that you left the privacy ofyour home Thereafter, they wrote their and you are carrying a gun. You own laws and eventually the are enjoying certain ConstituUS Constitution was bora (af- tional rights. ter intense labor pains). Allow the landowner to enIn short, they declared that joy the same. we as citizens had the right to Montell Seely g bear arms (own a Castle Dale deer-huntin- Natural Methods bring better heart the Journal of American Medi- cal Association. health Dear Editor: This letter is regarding an article published in the Progress on October 7, 1997 entitled New Drugs Battle Heart Disease-Strok- That figure could be con- strued to give us a false sense of security that everything is going well, that we are getting on top of our major killer. The figure that was left out of that article that I would like to One of the interesting fig- bring to peoples attention is that ures quoted was that deaths the death rate from cardiovasfrom coronary heart disease in cular disease, although it has 1990 was 34 percent lower than been falling due to the advancin 1980 according to an article ing medical technologies that in the February 1997 issue of Continued on page SA e. Emery County JrTPOSSDTGSSS Voice of Emery County since 1891 ftCaiBICTMTIgai Kevin Ashby Publisher ADVERTISING Jennt Fasselln Doris Quinn Doris Quinn Display Legal Editor Classifieds Deadline: Monday at 10:00 am for Tuesdays public- ESITC!L Layne Miller Offlco Hours: Monday 8:30 to 10:00 a.m.: closed Tuesday: Wednesday - Friday 9.30 am to 5:30 pm at 190 East Main Castle Dale. Utah. Classified - Subscription Rates: SO cents per copy: $21 per year delivered by carrier in Carbon and Emery counties: $25 in Utah; $29 out of Utah per year by mail. ation. OFFICE Doris Quinn Linda Thayn Receptionist Office Manager Shannon Juggert Circulation (801)381-5431- . 1: Fax AH Publication NO. (USPS 0747-212issued once a week at Castle Dale. Utah. Periodical postage paid at without prior written consent Postmaster: Send change of address to PO Box 589, Castle Dale. Utah 84513. lights reserved by the Emery County Progress. AD is property of Emery County Progress. No part herein may be reproduced t Telephone. Castle Dale. Utah. |