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Show I ! t The Magna Times, West Valley News Kearns Post, August & 1 5, 2002 9 Local chambers work for local businesses There is a coalition of Chambers of Commerce in the south end of Salt Lake County. This "South Valley Chambers Briefs" are presented at the Expo so that businesses can work smarter. Speakers in the past have included Kent Moon with Moon Capital, Tom Martino with Clear Channel Coalition" does some incredible work on behalf of local business. The coalition lobbies the legislature on business legislation and works with various city governments to bring about a positive business climate to our respective Alan Anderson Chamber Communications. Topics have ranged from financing, SBA loans, and marketing tegagaBBMCBgs customer service. On a related note, while chamvoices are better than one in bers of commerce work very building a strong, vibrant local business sector in any city. closely with their respective city leaders, chambers are generally Many chambers serve one city while others serve several cities. independent from their member cities. They are simply a business The chambers and its member association that works to have a cities work together for the sucbusiness climate. It cess of the area positive works because several business The South Valley Chambers Chat cities. The coalition also hosts an annual Business Expo in October. The Business Expo will be held October 15 -- 17 at the South Towne Expo Center in Sandy. Various businesses will have booths on a variety of subjects all related to business. Guest speakers and "Business Use home equity to tap Bv SHERRIL RASMUSSEN Equity calculated by taking the difference between the amount you owe on your first mortgage and the appraised value of your property. According to a recent report home values across the .country have increased an astounding 16.3 percent on average, since 1996. That means you may be sitting on a wealth of financial resources that can be j tapped with a home equity loan or , line of credit. Home equity loans or lines of . credit offer a low-co- st method for borrowing money, up to 100 per-- . cent of the equity, to finance home is Contributor Does the grass always seem greener over the fence - in your neighbor's yard? Homeowners might be surprised to leam that they may have thousands of dollars in "green," right in their own yard. But before you start digging up your lawn, that hidden treasure is the value of . . your home. Tapping The Gold Mine If you've lived in your home awhile or have seen property values rise, you may have equity built up in your home. Coalition is represented by the following Chambers of Commerce; American Fork, ChamberWest, Draper, East Valley, Murray, Sandy, South Salt Lake, Southwest, and Tooele. The coalition has membership totaling more than 3500 businesses and dozens of cities along the Wasatch Front The coalition is the largest business body outside of the Utah State Chamber of Commerce. ' improvement projects, college tuition, or a new vehicle. New members of ChamberWest: Salt Island Adventures: Steve Ingram, 1338 Foothill Dr. 310, borrowing options low-co- st Funds can actually be used for any purpose, including debt consolidation or a dream vacation. Because your home is used as collateral, you can usually secure a better rate than with a personal loan or by financing through credit cards. In addition, the interest' you pay on home equity financing may be tax deductible. When Opportunity Knocks, Look Twice Unfortunately when opportunities come knocking for consumers, con artists usually follow, and the home equity market is no different. SLC,' Lake CruisesTours Wellness Chiropractic: Jeremy Westerman, 2232 W. 5400 S.. ' Taylorsville, Chiropractor Taylorsville Assembly Halt Morris Pratt, 1247 W. 4800 S., Taylorsville, Reception Center Summit Insurance Brokerage, Inc.: Brett Kitchen, 700 E. 803 1 S.100,Sandy, Insurance Fast Signs: Chris Bryant, 2196 West 3500 South, West Valley City, Sign Manufacturer Expetec: Ron West 4956 W. 6200 South, Box 502, Kearns, ComputerNetwork Service MDH Financial: Mark Hukill, 5207 Cherrywood Lane, West Valley City, Financial Planner AFLAC: Jim Leigh, 720 East New England Dr., Sandy, Insurance Companies called lenders often use unscrupulous practices to lure homeowners into borrowing more than they can afford, sometimes up to 125 percent of the home's value, regardless of income or past credit problems. Reported tactics include failing to warn borrowers about penalties on balloon payments, disguising prepayment penalties, and not disclosing increases in interest rates. ratio and credit history and consider your loan based on facts, not fraud. For more information on unlocking your home's hidden wealth, please contact a trusted loan officer. Soon, you could be consolidating debts for easier money management, financing a college education for your child or yourself, or having a sprinkler system installed for the greenest grass in the neighborhood. Call Your Financial Institution First Sherril Rasmussen has 20 years of financial industry experience. 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