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Show The Garfield County Insider Page 6 February 5, 2009 HELP WANTED Family Practice Dr. Richard Birch Dr. Todd Mooney Becky Roberts, FNP Tim Dennis, PA-C Dr. Mitchell Miller Speech Therapy Flora Howard Anesthesiology Lewis Barney, CRNA Certified Nurse Midwife DeAnn Brown, CNM VISITING SPECIALISTS FOR FEBRUARY 2009 Dr.Robert RobertNakken Nakken Dr. 26 Orthopedist . ................................676-8842 Dr.Robert RobertPearson Pearson Dr. 10 Ear, Nose, Throat.........................676-8842 Dr.Mark MarkHansen Hansen Dr. 19 General Surgeon..........................676-8842 Dr.Brad BradWebb Webb Dr. 3, 16 Podiatrist.............................. (800)260-3668 Dr.Ronald RonaldLappe’ Lappe’ Dr. 5 Cardiologist...................................676-8842 Dr.Eric EricMaxwell Maxwell Dr. 11, 25 Audiologist....................................676-8842 Dr.Ronald RonaldCrouch Crouch Dr. ? Urologist.......................................676-8842 Dr.Randy RandyDelcore Delcore Dr. 12 Orthopedist...................................676-8842 Our Pharmacist, Tim Smith, will provide Coumadin testing and results at outlying clinics. Please call clinic for available dates and times. Coumadin testing and results at the Garfield Memorial Clinic will be by appointment. Mammography will be available in Panguitch on Feb 25, 2009. To schedule an appointment with Mammography, please call 435-676-1267. Clinics - Call For Appointments Garfield Memorial Clinic, Panguitch ............................................... 435-676-8842 (Mon - Fri) Kazan Clinic, Escalante . .....................................................435-826-4374 (Mon., Wed., Fri.) Bryce Valley Clinic, Cannonville ............................................ 435-679-8545 (Tues. & Thurs.) Circleville Clinic, Circleville .................................................... 435-577-2958 (Tues. & Thurs.) Physical and Speech Therapy . ........................................................................435-676-8840 Mammography .................................................................................................435-676-1267 Diabetic Counseling(Jan Frandsen) ................................................................. 435-676-8811 Garfield Memorial Hospital Long Term Care Center ........................................435-676-1265 Panguitch Preschool Paraprofessional. Hours: 3 – 5 hours per day, five days per week. Classes held at Panguitch Elementary. To be filled immediately. SALARY: Salary based on 2008-2009 Garfield County School District Classified Salary Schedule. QUALIFICATIONS: Applicants must have at least a High School Diploma, two years college education preferred. May test. Must satisfactorily pass an employment background check. APPLICATION: I n t e r e s t e d individuals should submit a Garfield County School District classified application. For file to be complete there should be a completed application, resume`, 3 current letters of recommendation, and a transcript. Questions: Vicki Ahlstrom, (435) 679-8769 Please direct application packets to: Garfield County School District, Annie Eldredge, P.O. Box 398, Panguitch, Utah 84759 (435) 676-8821 Online application available www.garfield.k12.ut.us Applications will be screened and the most qualified candidates will be granted interviews. DEADLINE: Friday, February 6, 2009 Team Coach: Duties include working directly with students 13 – 17 years old. Must be a positive role model, interacting with students during evening and weekend recreational activities. All shifts available. Qualifications: Must be 21 years old, have a high school diploma, current driver’s license and able to pass a background check. Wage DOE. Receptionist Needed. Full-time, Great phone etiquette is a must, able to multi-task, prior experience helpful but not necessary. Must be 21 years old and able to pass a background screening. Interested individuals may send cover letter and resume to Lee Ann Fielding at 435-676-8482 or fax 435-676-8488 lfielding@ silveradoboysranch.com REAL ESTATE Your Chance to Own a Pioneer Red Brick Home in Panguitch 3 bedroom, 1 bath, 1408 sq. feet, 1890’s home on 0.29 acre lot. Has original high ceilings, hardwood floors, high moldings, doors, and beautiful, antique kitchen cabinets. Neat fireplace constructed from native Panguitch brick. Bathroom is remodled with tile but still has cast iron tub. Large enclosed sunporch. New windows, roof, cement work, and gas furnace. Recent Appraisal. Sad to leave, but our family has blossomed beyond the home! Call Anne at 435-676-8739 if interested. Jack Cox, Utah State Director Retires A new administration has taken over in Washington D. C. at USDA, but Utah communities and rural residents can continue to count on the availability of USDA Rural Development lending programs designed to improve the quality of life in rural Utah. In announcing his resignation and retirement, Rural Development State Director Jack Cox stressed to staff the importance of continuing to deliver RD funding programs that “can build a town from the ground up” and that can be especially important assets to rural communities as they work to recover from the nation’s economic downturn. Mr. Cox, who became USDA Rural Development’s State Director in 2001 after a successful career working for Rural Development in several states, has overseen significant growth in RD programs in Utah. Between 2001 and 2008, over one billion has been invested by the agency in nearly every rural county in Utah. All of this has been accomplished while Mr. Cox directed the consolidation of numerous USDA offices in Utah reducing costs to the taxpayer. These federal funds were spent wisely, helping to provide jobs, quality housing, clean drinking water, and modern essential community facilities and services. By increasing the percentage of loans and loan guarantees made to eligible applicants, we made the funds entrusted to us by Congress go further and promoted substantial economic activity in our state. This assistance improves the quality of life and increases economic growth for Utah rural residents and businesses. A major emphasis of Mr. Cox’s was the national directives of our agency, to assist our country become more energy efficient. We can all look forward to 2009 funding for biofuel, wind, and solar power renewable energy projects that will support energy independence for America. He also paid increased attention to guaranteed loans for group housing and for community facilities. Mr. Cox was instrumental this past year as Utah Rural Development made significant progress in business and community programs through the efficiencies of our business plan. He is confident Rural Development employees in Utah will bring their considerable talents into play and help ensure business, renewable energy, housing and community development funds are available for our rural communities. “Utah employees truly exemplify our national agency’s commitment to the future of rural communities,” stated Mr. Cox. In leaving, he personally congratulated the Utah staff on their professionalism and their willingness to get the job done, and thanked our many partners for the opportunity of working with them to contribute an improved quality of life for those living in rural Utah. USDA Rural Development’s mission is to deliver programs in a way that will support increasing economic opportunity and improve the quality of life of rural residents. As a venture capital entity, Rural Development provides equity and technical assistance to finance and foster growth in homeownership, business development, and critical community and technology infrastructure. Further information on rural programs is available at a local USDA Rural Development office or by visiting their web site at www.rurdev. usda.gov/ut. Contact: Donna Birk 435-835-4111 x27 Help Climb Over Interest Rate Worries with Bond Ladder Article Provided by Brandon Henrie, Financial Advisor for Edward Jones Investments. As an investor, you need considered more valuable ket interest rates are high, to look back no farther than to investors, so you might you can reinvest the maturlast year to understand why be able to sell it for, say, ing short-term bonds at the it’s not a good idea to own $1,050. Conversely, should higher rates. only stocks. In fact, many market interest rates rise You can further diversify people buy bonds to lessen to six percent, nobody will your ladder by choosing the impact of volatility on pay you full value for your different types of bonds or their investment portfolios. lower-paying bond, so you even certificates of deposit Yet, just as stock prices would have to sell it at a (CDs), for the different move up and down, bond discount, perhaps for $950. “rungs.” This diversificaprices also fluctuate, priBecause market inter- tion can’t guarantee a profit marily in response to rising est rates constantly rise and or protect against a loss, but and falling interest rates. fall, the value of your bonds it may help you reduce the These interest-rate move- will do likewise. This could negative effects of a downments can wreak havoc on be a big problem if you wish turn that primarily hits one your bond portfolio unless to sell bonds before they type of bond. you can help yourself climb mature and use the money Here’s one more point over them with a “bond lad- to buy new bonds. Keep in to keep in mind: Try to der.” mind that if bonds are sold avoid building your ladBefore we examine prior to maturity, you can der with bonds that provide what goes into a bond lad- lose principal value. little or no call protection. der, let’s review some bond To help reduce the im- When market interest rates basics relating to price and pact of rate swings, you fall, bond issuers will often interest rates. Suppose, for might want to build a bond “call” bonds — that is, they example, that you a buy ladder. To do so, you buy will redeem the bonds bea $1,000 bond that pays several bonds, with varying fore they mature — so they five percent interest and is maturities — short-term, can issue new ones at the scheduled to mature in five intermediate-term and long- lower rates. You can help years. Each year that you term. Once you’ve con- reduce the call risk in your hold your bond, you will re- structed your ladder, you’ll bond ladder by purchasing ceive $50 in interest; at the have some advantage in all bonds with call protection, end of five years, you’ll get interest-rate environments. which cannot be called beyour $1,000 back, provided When market rates are fore a certain date. the issuer doesn’t default. low, you’ll still have your Ladders, by definition, However, if you decide to longer-term bonds earning can help you surmount obsell your bond before the higher interest rates. (Typi- stacles. And the same is five-year period is up, you cally, longer-term bonds true with bond ladders. If could get more or less than pay the highest rates.) Plus, you want to invest in bonds, $1,000 for it. If market inter- only a small portion of your and help reduce the impact est rates — the rates paid on bond portfolio (the matur- of interest-rate movements, newly issued bonds — were ing short-term bonds) will consider building your ladto drop to four percent, then need to be reinvested at the der soon. your higher-paying bond is low rate. And when mar- |