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Show '(El Wednesday, September 10, 1997 basement leaks, bad wiring or all correspondence. Give the warfaulty plumbing fixtures, are cov- ranty company a reasonable opered only during the first year. portunity to review your claims After that, coverage is usually and make repairs. ' limited to major structural defects that make the home unsafe, Equity-ric- h unsanitary or otherwise unliv-abl- Chord) Re.vs. . . . e. Relief Society members invited to meeting All Relief Society members in the Nephi Utah LDS Stake are invited to attend the Nephi 8th Ward Relief Society on September 17th at 6:30 p.m. in the ward cultural hall. There will be a guest speaker, Herb Lloyd. He is a member of International Platform Speakers Association, the International Speakers Network, the Utah Speakers Association and the National Speakers Association. He has been a speaker at BYU numerous times. His topic will be: "The Spirit of God Like a Fire is Burning Have You Ever Felt the Flame?" Lloyd will speak about the gift of the Holy Ghost, the purpose, how the manifestations can come. Page 3 " Nephi, Utah imre-efo- a je The Better Business Bureau (BBB) suggests that consumers who are interested in purchasing a home warranty take certain cautionary steps before signing on the dotted line. ? Verify the warranty companys track record. Check with your BBB for a reliability report on the company. Find out whether its a local or national firm and how long its been in business. 'Do some comparison shop-- , ping. Most policies cost between $300 and $395. But not all offer the same benefits. You may find d that some of the policies charge extra for coverage of water wells and some appliances, such as washing machines and dryers. Consider the deductible. The industry average is $50 to $100 per claim. But some companies charge as much as $150 per call. Ask the company who wilL perform the, repairs. Most war-- j companies have their own; network of service contractors. But some do allow you to hire a contractor of your choice. Be sure you understand the company policy before you buy the service., Get a detailed, impartial inlower-price- FAREWELL Elder Ryan C. Jones is now serving in the Cali fornia Sacramento Mission. He left in August. He is the son of Brent and Carol Sherwood Jones of Plain City. He is the grandson of Reese and, Mildred Sherwood of Nephi. -- Please bring a friend or neigh- homeowners target of reverse mortgage fraud A new study conducted by SMR Research Corporation shows that the number of equity-ric- h seniors is huge and growing fast. For older homeowners who are looking for a way to tap into the equity they have built up in their homes over the years, a reverse mortgage can be a good solution Reverse mortgages allow home- owners to turn their home equity into spendable cash without having to make monthly interest or principal payments. Under a who should contact Helen Williamson, Vona McPherson. line-of-cred- m home-own- be-fo- re signing any contract. Get independent advice on the quality and performance of any annuity you buy with reverse mortgage cash proceeds. No matter what telemarketers might tell you, be aware that taxable annuity payments can reduce your cash benefits from or you could become ineligible for government programs like Supplemental Security Income. LtocCi rjass 1200 North Main 623-420- 4 er oc-ran-ty rip-of- can take that may better suit your needs. Check the company out with the Better Business Bureau OOSil fs Homecoming Special Pizza 14 With Bread Stix sauce Pop 2-It- em 2-Li- h, whether you receive a home war- cash-pooranty. The inspection will Be you to any preexisting problems, which may not be covered by when ap-serwarranty. proached by Call company vice providers who claim to ofbefore you buy a policy. Ask ques- fer free information on how to tions, clarify coverage and most your home equity into cash. in Nephi how the custom- In the end, such service providsee importantly, for nominating conventions to be service ers charge seniors thousands of city elections. prior to ) dollars for more doing can be selected and courteously before referring their loan application promptly the nominating convention. a policy, odds are they and personal financial profiles to Further information is avail- you buy be wont very helpful after the mortgage lenders and life insurable from the Democratic City sale. ance agents. These service proChair, Richard Paxman, and Read the contract thorough- viders typically try to persuade from the Republican City Chair, ly. Make sure you fully underthe homeowner to apply for a Darrin Peterson. covered. or is what stand isnt reverse mortlarge, lump-suConventions will be held by the a and have most or all of If to and invest warranty you gage Democrats on August 18 and by show the cash the into an up problems during annuity sold by '.h the Republicans on August 19. first year, go directly to the war- - an insurance company. This i 'rf the provider to pocket about r ppmpany.,Hire an indepen-!Wlow- s dent, inspector to support yourfjieight to 10 percent of the loan a claims if you wind up in arbitra--- f referred customer' receives, tion. Keep records and copies of which goes over and above nor- - ter $ Many senior homeowners who only equity-ric- be 1 9 r, ht September 20th Akelas Adventure! Please join us at the Mount Nebo District Cub Leaders on Saturday September 20th from 8 a.m. to 2:30 p.m. Registration will begin at 8:00 a.m. The will be located at 780 West 400 South in Payson (Payson West Stake Center). There is a minimal fee of $8.00, which covers registration and lunch. This event is open to the public. You will receive great ideas for teaching young children, whether your setting is at school, at home, or with a den ofcub scouts. Some of the classes include how to teach children to respond to situations in a positive manner, hold fun outdoor activities, and science. These classes will enhance any program or Pow-Wo- w Pow-Wo- m reverse mortgage, the lender sends the borrower money via a lump-supayout, a or monthly check. The is not required to pay back any of the loan advances or interest until the loan term is over. Generally, no repayment is due until the borrower no longer cupies the house. The Better Business Bureau (BBB) warns older homeowners who are considering reverse mortgages, to be aware, howevare on er, that scams and the increase in this market. Both This house. of the spection parties should done regardless of are not Those have questions but become the have will Sanoma or hold Jarrett, alert prime target for telemarketing operations. the particularly cautious nominating telemarketer the warranty Scout Pow conventions turn are preparing Parties er representatives treat Woty on the held dont respond If than little you. they at Candidates bor. Everyone is welcome. mal loan costs routinely provided by legitimate reverse mortgage lenders and counselors. Usually the customer doesnt know about the hidden fees until the service provider delivers the loan check. To avoid such referral fees, the BBB, along with the National Center for Home Equity Conversion, recommend that senior homeowners follow these rules: Never deal with a loan marketer who only wants to talk about one form of reverse mortpaygage, typically a lump-suout. There are other options you w m ty M I Home warranties Home warranties are gaining in popularity with both home sellers and buyers. Sellers are finding that purchasing a home warranty is a good way to attract buyers, and buyers are finding that a warranty can save them a FourY rax Forman 4 Lunch Special 8 1 -- Item Pizza Small Salad and drink Every Monday Night Is Family Night 14 Pizza $4.99 ' Every Monday Night Is Family Night or only after 4 pm r 2-It- em .Pick-u- p dine-i- n r , Best On Earth significant amount of money during the first few years in their new home. But sometimes home warranties can cause confusion when it comes to what is and isnt covered. Many home buyers who lesson. e warranties Please call Patty Harrison at depend on limitations of unaware ofthe are for registration such coverage. Topical problems, information. such as foundation wall cracks, silk-scree- n, new-hom- Sfianna s Scfrnt of tyance n fljit fatal - m tLsstcJ dc This year Garrett llondas ATV Offer is going to have you seeing douhl; aa a jrioJ HaBtl) cAnnounces m m FALL REGISTRATION Now Accepting Enrollment Ages 3 & Up vr Vtu Van fmLctam: 'Ul m PUaa art XimiitJ SLmna Starris m oJt 623-11- 25 Taut . Stmt ... fin - thii ATV to rln trJ rc;cri a tr:!-.!-:- jrtsrj or 3 ATV c!-- only a; rtors Come ride with its. tr-n-e. CCZj2)A 0Anj9 ZJW aC3 Aqtcoo jy PcS: Orly $19 per peer In Zrzj Cczrlyl 33 . JT f KerSEa G23-332- 3 |