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Show SOUTHERN UTAH NEWS Community Problem WEDNESDAY NOVEMBER 12, 2003 Four Wheelin in Color Country debtors situations worsening By Dave Devooght Welcome back. Well, the leaves are falling and you know what comes next. Luck has it that we live in an area where winters f i . v, , t - ' ' .' J V inruns washer solvent is good to about 15 degrees below. ' Your battery is the heart and soul of your vehicle on a cold morning, so take care ofit. Check for corrosion on the poles, keep it clean on top and dont push its life expectancy by saying that it will last one more year. Unless, of course you enjoy walking in - ' -, Jt ; , ilv & v ' 0 . , 5 is- - it Economy spurs large increase in I ' vV if credit card and mortgage debt are relatively mild, but that Americans experiencing finan- doesnt mean you dont have to cial troubles have been seeing winterize that four wheeler. First of all, we should have a their situations deteriorate over well tuned engine to combat the the past year. According to a r Myvesta.org internal survey of strain of those cold mornings the snow. Radiator hoses, belts and all clients in financial crisis, the when the starter has to strain to cold crank A d that for need to be engine over. average amount of credit card oil and You also winter. can about think debt unsecured has risen and proper viscosity weight almost 50 percent in 2003 and also makes a difference in get- an engine heater. There are bamortgage debt is up almost 25 ting those parts lubricated sically two trpes. One uses a 'O percent over the same period. quickly. We should take a little heated dipstick for the crankJtr. vvk The average credit card and extra time on those cold morn- case. Some people say that they and let oil. warm that The other are on a little hard engine unsecured debt rose from ings before a load on it. one goes in the lower radiator to in 2002 in apptying up $77,036 $52,210 oil filter ir that debt rose Change 2003 and mortgage every time hose and heats the antifreeze oil. the mix. I prefer the latter, though from an average of $168,129 in you change The antifreeze of today has an either one will get you started 2002 to $207,958 in 2003. It hasnt been a great finan- ethylene glycol base. You are easier. Tire pressure needs to be cial year for many American familiar with the green, but Dex-Cois also and black. there red checked as they go lower in cooler r families, said Steve Rhode, is a new one used by Gen- weat her. of president and V4 if W'XM Take some extra clothes, blanMyvesta.org, a nonprofit finan- eral Motors and is supposed to cial crisis center. Low interest last 10 years. But, most of them kets, food, water, etc. just in case rates have tempted many people need to be changed every 30,000 you should get stranded - it does i pV into mortgages too large for them miles, as the lubricating addi- happen. We had some folks that a. tr to handle. Individuals have been tives for your water pump start experienced trouble in the Monuk ; A down. to antifreeze break ment were last to good cards as a credit February. They way turning to make ends meet in this lousy mix is 50 water and 50 anti- inexperienced and unprepared freeze and is good to 40 degrees for the harshness of winter; one economy. fatality and one with bad memoAccording to Rhode, who is below. Windshield wipers need to be ries of a lesson also a money coach, it is not uncommon for clients with well checked as they are used more Well, until next time, safe four over $ 100,000 in credit card debt in the winter than summer. The wheelin to you. Club Join the Canyon Country to turn to him for help. for our Fall Ride in Kanab, Utah. Over the past few years I have Place: Hog Canyon Trail System seen clients average credit card Growing numbers of renters off the balance is a great way to debt get larger and larger, turn to credit cards for monthly rack two miles north of Kanab on Hwy 89. up points in credit card reRhode said. In one case I was ward programs or cash back from When: November 15 & 16 expenses working with a client who had to more rental offer who rebates. cards According Visa, Time: 9:00 a.m. over $1 million in credit card the Rhode those warns But that throughout A raffle will be held for four new tires debt spread out over 78 differ- properties United States are accepting who arent so diligent about payent cards. and lots of other great prizes! credit cards for rent payments their balance in full can end All from than ever before. While con- ing statistics For more information contact up deep in debt. Myvesta.orgs survey were gath- sumer demand for the convewith the rise in rental Along David DeVooght at 644-550ered when clients first entered a nience of monthly rental properties accepting credit cards making M3rvesta.0rg program. The avparents with a credit or debit many utility, telecommunicaerage client came to Myvesta.org card has driven the rise in ac- tions and cable companies are with: ceptance, paying by plastic isnt accepting the credit cards as a 11.3 credit cards, up from 8.1 for form of payment. everyone. in 2002. If youre the kind of person With more companies acceptA negative monthly cash flow who bill in credit card YOUR SALVATION pays your ing credit cards its become easier $2,468. averaging full every month, charging your and more convenient for many 5.4 credit card late fees per rent can be a very convenient way people to pay their bills, Rhode month costing $169. to make your payments, said said. But if you are relying on Jesus said, "For God did not send His Sort into The rise in consumer indebt- Steve Rhode, president and your credit cards to support your the world to condemn the world, but in order edness is alarming. People are basic needs like rent, groceries trying to fix their financial financial crisis center. Charging or utility bills, its time to get the world might be saved through Him. " that troubles by borrowing their way that large of an expense every finances back on track, your out of debt and creditors are month and immediately paying Rhode said. John happy to let them get in deeper, Rhode said. Today, debtors Avoid 6 have significantly fewer options for resolving difficult financial Home Moving problems without bankruptcy. Creditors have become more resistant to working Salt Lake City A new report has just been released 1518 South. with people to develop plans that and common 6 mistakes most the identifies which costly allow them to meet their obligathat home buyers make when moving to a larger home. tions. Good people are falling to To hear a brief recorded message about how to order you their financial death even and enter r copy of this FREE report call Sponsored by the LatheranChurch though they want to meet their 24 7 a call week. can You 2008. hrs, ID days anytime, Missouri Synod V obligations in difficult times. Its double-checke- 1 . MPM . - - VC: Ai ol v, f , 4 co-foun- V. - , hard-learne- d. More landlords accepting plastic x Canyon Country 4x4 Club Fall Ride 4x4 6. GOD PREPARED - one-on-o- Costly Errors When to a Larger and Save Thousands - ne 3:17 Lutheran Church Hwy 89A Worship Service Sundayat4p.m. anAmerieantnagedyAVi' V- - o |