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Show Messenger-Enterpris- of mortgage money. Pension funds e, Thursday, December 31, fast 1981 Americans buy homes, . assets represent the largest pool of long-terinvestment capital in the country, with over $600 billion in assets now and an estimated $1.3 trillion by 1983, and their introduction into the mortgage market will certainly help , . And the beauty of it is this: such a bolstering of the housing industry will cost the federal government, or rather, the nations taxpayers, absolutely nothing. FitnessTips Were at rock bottom," said Walter Allan, a spokesman for the Home Builders Association of Utah. Were not meeting the needs of the potential we need 20,000 home buyers in Utah housing starts to meet the demand and its doubtful we'll see over 2,000 in the last three months of 1981." the view from That bleak outlook rock bottom is less than panoramic is shared by home builders and buyers In Utah and across the nation. The housing industry, in fact, is at its lowest point in 40 years. National show 1981s that projections production of over a million new units makes it the lowest new housing year since 1946. The slump costs the American economy dearly wages are lost, tax revenues are down, and unemployment is up (the percentage of are Utahns who unemployed construction workers jumped in 1980 to almost IS percent of the total unemand perhaps its ployed in the state) hardest impacts are on those families who cannot find adequate housing at an affordable price. Rock bottom is, without a doubt, an accurate description. Nothing short of a revitalized economy will spell the relief of the market; but until that happens, there are still important steps that can be taken to help. One of them is manifest in a bill I introduced in the Senate that would liberate billions of dollars currently d pension resting in funds for investment in residential home mortgages. Current rules of the Employment Retirement Income Security Act, prohibited transparticularly the action rule, effectively prohibit pension plan trustees from investing in residential mortgages. My bill would remove that artificial barrier and make mortgage investment neither prohibited nor a violation of the prudent man rule, which requires fund trustees to make prudent investments. Mortgage investments is an excellent source of stable, secure, long-terhigh-yiel- d investment return for pension plan trustees; as such, it is as prudent as can be. Keeping pension plans out of the housing market deprives pensioneers of excellent investment opportunities. Three requirements in my bill get a pension fund past its current restrictions and qualify it for home first, the mortgage investment: investment must be authorized in the plans document; second, the home mortgage security provided must be adequate; and third, the interest rate on the loans must be sufficient, as determined by a formula delineated in the bill. There is no question but that an expanded supply of mortgage funds will help offset current and future shortages by Dr. Dale Nelson Professor of Health, Physical Education and Recreation Utah State University GREETINGS! A ERISA-regulate- The next time you extract did more to lower Animal studies consider fiber in your diet, cholesterol than carrots, Another experiment remember that you need cabbage or bran. looked at rats fed a diet of to spread your fiber either alfalfa, pectin or More examples wheat bran. All of the rats feasting around if you want to obtain all of its Researchers at ' the were then injected with a health benefits. You wont Human Nutrition Labora- chemical known to cause do it by eating bran alone. tory in Grand Forks, North colon cancer in rats. Bran is great for Dakota looked at how fiber The alfalfa had no effect it but intake affects colon tumors, but the the on digesyou regular, keeping wont do everything fiber tion of sugar. Incidentally, pectin and wheat bran is supposed to do to keep many scientists believe greatly inhibited" these that an adequate intake of growths. Dont be disyou healthy. For example, one study reported in the fiber helps regulate the couraged. This doesnt Journal of the American metabolism of carbohy- mean you have to give up drates. Medical Association, Janyour alfalfa sprouts. It just The people in Grand means that alfalfa has uary 4, 1980, showed that a steady intake of bran Forks fed IS men either other functions. increased stool weight by wheat bran, soft white Now, what the bottom 117 percent. In the same wheat, corn bran, soy line really means is that apple you need a wide variety of study, pectin, a fiber in hulls, freeze-drie- d freeze-drie- d and or citrus fresh (raw) fruits, vege- fruits, apples powder increased stool weight by carrot powder for a month tables and whole grains. only 19 percent. along with other foods and Thats what nutritionists Pectin, on the other then tested each ones have been saying all hand, can be healthful in glucose tolerance. along: This is just another The apple powder and reason why. other ways. A study done in England and reported in the carrot powder worked Do you know the American Journal of best for carbohydrate Clinical Nutrition, Decemmetabolism. All of the the emergency ber, 1979 tells us how. fiber, with the exception of When the effects of the wheat bran and the numbor? various forms of fiber were soft white wheat, researched, it was found improved carbohydrate 0-23- 05 that a concentrated pectin handling. . vp New Year j message ringing out, clear as a bell. this one is sure to be golden! ' W MaiM Horn Quality and Value , 70 West Union Street. Phone Manti, Utah for 'h-- - yp!G 835-236- 1 End of the 'V - . ,. ! , t r ? iiou JifiiY rt i n in 1 rj -- ii i ''' f; SAVE Americas Favorite House-Warme- 9 9 diagonal P I CtUTG r Red Hot Value Reg. $499 $ SALE FFR452 Everything priced togo f! s. MODEL 71 HiorlhpjornjriJb 5X The Ashley Combination Heater assures winter comfort with maximum fuel economy. Coal-and-Wo- FIRE-PLA-CE od SALE $ INSERT O Microwave oven with large 1.3 cu. timer up to 35 capacity O minutes El Convenient defrost cycle E3 Black recipe glass front. ft. 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