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Show I Taunya Fonger, Travis Garrett to be married May 9 Taunya Fonger and Travis Garrett will be married Friday, ' May 9. A reception will be held in their honor from 7 to 9 p.m. that day at the Nephi LDS Stake Center. The public is invited to attend. Miss Fonger is a daughter of Mr. and Mrs, Von Rosquist of Levan and Mr. and Mrs. Ken. Fonger of Vernal. Garrett is a son of Mr. and Mrs. Bob Garrett of Nephi. Attending the bride will be GeriLyn Sherwood, Melanie Mangelson, Teresa Anderson, and Melinda Garrett. The flower girl will be Taralee Garrett. The best men will be Mike Tolley and Kyle Garrett. Ushers will be Kelton McPherson, Carl Anderson, Vance Gadd, Corky Holman, and Terry Fonger. The ring bearer will be Russell Garrett. Special guests at the wedding and reception will be Mr. and Mrs. Joe Garrett, Mr. and Mrs. Rez Tolley, and Joy Van, the couples grandparents; Area births births as reported to Recent The are: Times-Ne- Dont miss the Daughter, bom April 24 to Tom and Mary Carol Goble of Nephi. She will be named Suzanne Goble. Grandparents are Mr. and Mrs. Lyman P. Adams of Oakley, Idaho and Er- Nephi Elementary Spring Carnival ma I. Goble of Nephi. Daughter, born April 18 to N. Todd and Deltha J. Nelson of Friday, May 16 Sandy. She will be named Elizabeth Terry Nelson. Grandparents are Mr. and Mrs. Don R. Gowers of Nephi and Mr. and Mrs. N. Terry Nelson of Phoenix, Ariz. Great-grandparen- at the ts Nephi Elementary School are Nathan and LaVona Nelson of Pima, Ariz. Daughter, born April 25 to Steve and Charlene Pelton of Better booths, Levan. She will be named Jessica Pelton. Grandparents are Mr. and Mrs. A. Garth Fisher of Provo and Mr. and Mrs. Ralph Pelton of Orem. are Joseph Smith of Orem, Katherine Moore of Pocatello, and Mr. and Mrs. Byron Fisher of Orderville. better prizes Great-grandparen- ts and Fun for the whole family Nephi weather Monte Nordstrom and Mr. and Mrs. Joe Braun, the couples Travis Garrett, Taunya Fonger great-grandparen- SUMMER ACROBATICS & POWER TUMBLING! E.C. Sherwood, reporter Lower mortgage rates may make it worthwhile to refinance e 1 ' j gage. ' Oft a $50,000 mortgage, tne cost for refinancing may be $500 to $2,000. This is cash you will have to come up with at the time you refinance, which may put a strain on your familys emergenI pay-bac- k cy. savings even though it decreases monthly payments. Low says an additional consideration is your tax bracket. The lower your tax bracket, the more sense it makes to refinance because interest payments are tax deductible. If you are in a high tax bracket, you stand to benefit more from deductions.: 3 FRATERNAL ORDER OF EAGLES LOCAL LODGE NOW BEING FORMED S Potent force in FELLOWSHIP - . TODAY FOR A civic and humanitarian affairs FUN - FRATERNALISM You are invited to attend a organization meeting at the Fire tion in Nephi on Thursday, May 8th at 7:30 p.m. RUBBER STAMPS! Sta- ALL INTERESTED MEN AND WOMEN ARE URGED TO ATTEND. now open JUNIPER TAMS 623-017- 6. GREAT GIFTS START AT CHAPMANS FURNITURE FOR MOTHERS DAY NEW SHIPMENTS OF SILK TREES PLANTS FLOWERS MIRRORS LAMPS i ROCKERS RECLINERS SOFAS Chapman's Has The Best For Less!! C hapman F ur nitur e 27 South Main Nephi, Utah - Nephi Lumber Co. 1005 North Main, Nephi, Utah - Call OLSEN'S GARDEN SHOP Is Leslie Newell at Register by May 15th. Cost $8.00 per month. There are many more aspects to consider than simply the difference between interest rates of your current mortgage and the mortgage you could acquire through refinancing, Lown says. The lower monthly payments certainly are attractive, but a new mortgage usually also means added expenses. She says the amount of closing costs and points vary. These costs include bank attorneys fees, preparation fees, reappraisal costs, applications fees, and title search update. There may also be a prepayment penalty on your current mort- 12-1- TIMES-NEW- For more information and registration call on a new house, she says. sity. by Dennis Hinkamp Lown says those who chose Consumer Information Writer e variable-ratUtah State University mortgages inprimarily because fixed rates Plummetting mortgage terest rates have many people were too high several years ago thinking Christmas has come might want to switch over to a fixed-rate- d mortgage now. early. Even In the past seven years, many though the variable low are rates homes with have right now, it is likepeople bought in the near increase will 17 as or as rates ly they high mortgage 18 percent.! When mortgage future. A fixed-ratmortgage rates fell to 3 percent, many gives homeowners a better idea analysts thought rates would what their expenses will be from not go lower. Recently, however, month to month, Lown says. You certainly wouldnt want rates have slipped below 10 percent, prompting many people to to consider refinancing unless consider refinancing their mort- the new mortgage rate was at least two percentage points less gages. Others who opted for variable-rat- e than your current mortgage. mortgages arts Considering! Even if it is more than two mort- percentage points less, you'need refinancing to fixed-rat-e to do some analysis, gages. Lown says. low interest Although the rates are tempting, refinancing Add up all your closing cost expense, divide by may not be the most and points of the monthly savamount the economically wise decision for and you will get the homeowners, according to Jean' ings, months it will take to of number of Lown, assistant professor home economics and consumer break even, Lown says. education at Utah State Univer; This means you also need to consider how long you plan to The fimes-New- s stay in your home. If you plan to Nephi, Utah move in the near future, you are May8, 1986 going to have another set of closing costs and points to pay SEETHE Learn new skills and routines ALL LEVELS AND ALL AGES 7 HUEEYOUE Cash Refunds BSg at Nephi Lumber ? T7 623-014- MAIL-I- REFUND CERTIFICATE END JUNE 2, 1986 o BEDDING PLANTS laff IWikkf & $SM9 in stock gal. size All types in stock iSEJE9 ON SCOTTS EASYGREEN-- . HANGING BASKETS For Mothers Day 49V1493 FRUIT TREES SHADE TREES AND SHRUBS In Stock rotahy spreader SEJEs(j? UP Offer expires 090185 (11-4- ON SCOTTS PFDHOP SPREADER June 2, 1986. Must be postmarked no later than June 1 4, 1 986 Prices starting at $8.49 with rebate price for 5,000 ft size Turf Builder iAi ( i |
