Tidbits of Casper, 06/10/10

June 10 -16, 2010 Tidbits of Casper - For Advertising call 307-473-8661 • 161 South Fenway, Casper, WY Page 1

Published and Distributed Weekly by Alimon Publishing, LLC - www.tidbitswyoming.com - [email protected] - 307-473-8661

June 10 - 16, 2010 Issue #369

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Page 2 Tidbits of Casper - For Advertising call 307-473-8661 • 161 South Fenway, Casper, WY June 10 - 16, 2010 June 10 -16, 2010 Tidbits of Casper - For Advertising call 307-473-8661 • 161 South Fenway, Casper, WY Page 3

By Samantha Weaver

• It was American author, playwright, screenwriter and political activist Gore Vidal who made the following sage observation: “Any American who is prepared to run for president should automatically, by definition, be disqualified from ever doing so.”

• The next time you get a chance, you might want to check the pressure of your car’s tires; if they’re not inflated to the correct pressure, you’re contributing to the $9 million in fuel that is wasted due to improper tire pressure, according to the Department of Energy.

• If you ever go to Rome, one of the sights that must be seen is the Trevi Fountain, the elaborate Baroque installment that was completed in 1762. According to legend, anyone who throws a coin in the fountain is en-sured a return visit to Rome. This is, evidently, a popular tradition; every night approximately $3,500 is retrieved from the fountain. The money is used to fund a super-market for the city’s needy.

• In this era of ubiquitous technology and instant com-munication through e-mail and text message, the av-erage American still receives 1.5 personal letters each week. Of course, you have to weigh that against the 10.8 pieces of junk mail that arrive on a weekly basis. • Due to the rising prices of the materials used to mint coins, it now costs 2 cents to manufacture every penny and 9 cents to make a nickel.

• In 2006, an Illinois police officer was arrested for driv-ing under the influence of alcohol. This probably would not be noteworthy, except that it was the same police officer who received an award for making the most DUI arrests in his county.

© 2010 King Features Synd., Inc.

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ROCKY MOUNTAIN

ROCKY MOUNTAIN1540 East 2nd Street • 307-265-7296

How LovelyBy Tresa Erickson

You love rose gardens. There is nothing more soothing than walking through a garden filled with the lovely blooms. Now that you have the space, you’re ready to cultivate your own rose garden. Here are some tips.

First, you need to select an appropriate site for your rose garden. It should receive at least six hours of full sun, if not more. It should also

TomatoesPepper

VegetablesAnnuals & Perinnial

FlowerHanging Basekts of

Flowers & HerbsSuculants & Cactus

Seed Potatoes

“Speedy Grow”

Grew World Record Plants

Pumps SuppliesAqua-One • Green CleanBarley Straw • Algae Fix

Easy Pro & Tetra Filters & Pumps

Liquid Fence Deer & Rabbit

RepellentDog & Cat Repellent

Water LettuceHyacinth

Parrot FeatherUmbrella Palm

Giant Marsh MarigoldLarge Assortment of Hardy Lilies

Sweet FlagVarigated Dropwort

Blue Water Forget Me NotZebra Rush

Pickerel WeedWater Cala

Bloody DockCardinal FlowerGolden Sedge

•Tomato Grower Bags•Organic Compost•Potting Soil

drain well. The soil should be light and crumble easily. If it doesn’t, you may need to add some amendments. If possible, you should till the area and mix in the amendments. If not, you will have to add the amendments with each individual hole.

Next, you need to select some roses for your site. You will have a number of varieties to choose from. Depending upon the structures you already have in the site, you may want to get some climbers. Once mature on arbors, chain link fences and the like, these will add a great deal of privacy to a garden.

Roses are sold bare root or container grown, each of which has different planting requirements. With bare root roses, all you need to do is soak them in water for several hours, remove all dead and broken branches, and dig holes for them, a foot down and two to three times the width of the root balls. Replace enough soil in the holes to form cones and place the plants on these, fanning out the roots. Then fill the holes, making sure the graft unions are above ground level and amending the soil if necessary. With container-grown roses, the process is a bit easier. Just dig some holes, a foot down and two to three times the width of the root, insert the plants, making sure the graft unions are above ground level, and fill the holes with soil, amending it if necessary.

Once the roses are planted, you should add some dirt around them to hold the water and soak them thoroughly. This will allow the dirt to settle in. To retain moisture, you should mulch them, making sure not to pack too much around the bases.

Roses are high-maintenance plants that require quality care. In addition to watering them regularly, you will also need to spray them

with an insecticide/fungicide and prune them often. Keep an eye out for dead or dying branches and diseased leaves and remove them as soon as possible.

Don’t be surprised if your rose garden gets off to a rocky start. It takes time to learn how to care for the plants properly. Speak to experienced gardeners and gather as many pointers as you can. You will develop a knack for it over time and may add varieties to your garden as your confidence increases.


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OPPORTUNITIES

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CHIMNEYSERVICES

FURNITURE

AMISH LOG FURNITURE TRUCKLOAD SALE!I While supplies last. Call 797-1543

BOOKCASE BED! Brand New, never used. Lots of storage. Retails for $1100. Will sacrifice for $634. Call 797-1543

LOG BED W/ PILLOWTOP MATTRESS SET-Brand new... Cost $990, will sacrifice for $625. Call 797-1543.

MATTRESS TRUCKLOAD SALE Queen Pillowtop Matt & Box $279, King Set $379, Full Set $225, Twin Set $159. While Supplies Lastll Call 797-1543

MICROFIBER SECTIONAL BRAND new, never used. Retail $1300, wilt sacrifice for $640. Call 797-1543

POOL TABLE W/1” SLATE-Brand New with cues, cloth, cover, chalk, wall rack, balls, cue extension, brush etc... Will sacrifice for $1350. Call 797-1543

Eastside fixer upper! 6 bedrooms, 2 baths & 2 car garage! Large home on corner lot! Fix up & profit! Priced at $144,900! Enter ID#2525

Eastside ranch! Nice hardwood floors, great floor plan, 4 bed-rooms, 2 bathrooms & garage! Seller paying $2500 in closing costs! Priced at $159,900! Enter ID#3235

Fantastic Home! 3 bd, 1.5 ba, 2 car gar. Full basement ready for finishing, large fenced yard/w huge deck! Priced at $179,500 Enter ID#2035

Westside Bi-level! Light & bright floor plan, updated kitchen & baths, great corner lot & deck for entertaining. Priced at $185,000! Enter ID#1645

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LOTS/LAND/ACREAGE

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USED CARS

1999 CADILLAC DEVILLE 135,000 miles, Excellent condition! $3500 OBO. 2000 GMC Jimmy. 116,000 miles. $3000 OBO. Please call 307-315-0514.

MOTORCYCLES

1998 WR 400, Brand NEW tires. Excellent condition. For $1650. Please call 828.768.6100.

2000 BLACK, CUSTOM IN-DIAN CHIEF 124 cu.in. S&S Super Sidewinder with 3inch Primo Belt Drive, S&S 6speed trans.all helical drive, $20,000 OBO. 2000 RED/BURGUNDY INDIAN CHIEF 98 cu. in. S&S motor, S&S 6 speed trans. all helical drive perfect low wom-ens motorcycle $12,000 OBOor $30,000 for the pair OBO 307-262-8339

BOATS

2006 LARSON 186 open bow, 135 Hp Volvo Penta InB/OutB CLEAN LIKE NEW, ONE OWNER w/accessories and Clarion CD player $12,000 OBO 307-262-8339

FREE 6-ROOM DISH Network Satellite System! FREE HD-DVR! $19.99/mo (1 year.) Call Now - $400 Signup BONUS! 1-888-680-3359

HOT TUB Portable Hot Tub $750,6 mths old. spring to fall only. 4-5 people. 307-258-0428

NEW COMPUTER Guaran-teed and FREE LCD TV with paid purchase!!! No credit check Up to $3000 credit limit Smallest weekly payments available! Call Now 888-860-2423

ONLY 4 YRS OLD! LIGHT wear & tear Great bunk-bed w-full bed on bottom + sealy mattress & ladder. 2674498 $600 Jillie

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WANTS TO PURCHASE min-erals and other oil/gas inter-est. Send details to: P. O. Box 13557, Denver, CO 80201

ANTIQUES

ANTIQUE CEDAR CLOSET 64h by 36w by 21 deep. Ideal for mountain cabin or antique bedroom. In great condition. 307-472-1915

SPORTING GOODS

FISHING BOAT FOR sale: 2007 Alumacraft T12V with 2008 Shorelander trailer & Mercury 9.9 HP motor, Minnkota trolling motor power-drive V2, Eagle fishmark 320 Finder; $2800. Call 277-3144.

HOMES FOR RENT

FOR SALE OR RENT 3 bdrm, 2.5 baths, 2 car garage, re-duced to $154,000. Call 307-797-6941 or 307-797-6940

HOMES FOR SALE

RE/MAX THE GROUP, AMY LUND, Call 1-800-651-9004 &

Enter ID#. Visit website:

Blue light Special! Home on 36 Acres! 3 bd 2 ba, lots of living space! Great mtn view & horse amenities on fenced acreage. Priced at $69,900 Enter ID#1225

Affordable Townhouse! 2 bed, 1.5 baths, main floor laundry & 1 car garage! Corner lot, across from golf course! Priced at $100,000! Enter ID#1925

Wonderful One Level! 3 bd, 1 ba, 1 car gar. Large master & updat-ed bathroom. Priced at $110,000. Enter ID#2125

Glenrock living! Nice bi-level. 3 bd, 1.75 ba, 1 car gar. Open & bright floor plan! Great yard, deck & view! Priced at $142,500 Enter ID#1195

POWER LIFT CHAIR-FULL layout recliner. Brand New. Retails for $875, will sacrifice for $579. Call 797-1543

SOLID CHERRYWOOD, BRAND NEW, bed, dresser/mirror, armoire, nightstand, tall chest, all dovetail drawers, ball-bearing glides, beautiful. Cost $12,000 sacrifice $2,920. Call 797-1543

MISC.

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Alisha CollinsOwner/Publisher161 S. Fenway • Casper, WY 82601

307-473-8661 • [email protected]

www.tidbitswyoming.comCell: 307-247-1806

[email protected]

Brenda StarkSales Consultant

“The NEATEST Little Paper Ever Read!”

Collette BrackenAssistant Publisher

Cell: [email protected]

Published and Distributed by Alimon Publishing, LLC

Locally Owned and Operated by Alisha Collins

Cell: [email protected]


Q: I have a M.J. Hummel plate, “Apple Tree Boy and Girl -- Little Companions,” that was issued in 1989. How much could I

get for it? -- Ellaline, Ormond Beach, Fla.A: Your plate was introduced by the Dan-

bury Mint and is part of a series, all originally available by mail order for $32.45 each. The complete set sold for $389.40, which included a display rack. According to Luckey’s Hummel Figurines & Plates: Identification and Price Guide by Carl F. Luckey and updated by Dean A. Genth (Krause, $27.95), your plate has a current value of about $25. Special issue plates are generally extremely difficult to sell on the secondary market.

• • •Q: While cleaning

out my late in-laws’ home, I discovered a picture of William McKinley, the 25th president of the United States. In addition to an image of McKinley, Ida Saxton McKinley and Nancy Allison McKinley, there are pictures of his homes in Niles, Ohio, and Canton, Ohio. We would like to know its value. -- Carol, Will-mar, Minn.

A: The Stark County Historical Society is dedicated to the collecting and preservation of all significant materials and records relating both to the history of Stark County and the presidential history of William McKinley. You can contact them about your picture c/o The William McKin-ley Museum, 800 McKinley Monument Drive, NW, Canton, OH 44708.

McKinley, the last American Civil War veteran to be elected U.S. president, was assassinated in 1901 by anarchist Leon Czolgosz. During the aftermath that

followed, photos and souvenirs of the late president flooded the U.S. marketplace, and I suspect your picture is a product of that emotional period.

• • •Q: I have four California Raisins figurines

made in 1987, but I am not sure what they are or what they might be worth. -- Julie, Coolidge, Ariz.

A: The California Raisins are a close cousin to bean bag babies. They were a fad that became extremely collectible and then faded into obscurity. They were part of a 1980s grape-industry ad blitz. A quick check of the Internet revealed that a set of six re-cently sold for $7.

Write to Larry Cox in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to [email protected]. Due to the large volume of mail he receives, Mr. Cox is un-able to personally answer all reader questions. Do not send any materials requiring return mail.


Hummel Plate


answers on page 7

Puzzle Answers

answers on page 7

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DEAR DR. DONOHUE: I have read your column for many years, but I haven’t seen anything about stomach flu. Will you write about it? Someone in my family of seven gets it every year, even in the summer. Does the flu shot protect you from it? -- H.H.

ANSWER: At one time, I conducted a crusade to erase the term “stomach (or in-testinal) flu” from the English language. I didn’t get very far, so I gave up on it. Real flu -- influenza -- is a respiratory illness, not an intestinal illness. The flu shot provides protection only against true flu, not “stom-ach” flu.

Four viruses are the usual culprits of stom-ach flu, and, for adults, the one that leads the pack is norovirus. Vomiting, diarrhea, fever

Stomach Flu Isn’t the Flu

TO YOUR GOOD HEALTHBy Paul G. Donohue, M.D.

and often headache are the main symptoms. It comes on suddenly, about one or two days after the virus enters the body. The sickness lasts only one to three days. A slight increase in number of cases occurs in the winter, but it comes in all seasons.

Norovirus infections usually spare infants. Older people have the worst symptoms, and they are the ones who can die from an infec-tion, but death is rare. This is the illness that sweeps through cruise ships and can infect an entire nursing home. It’s also common in mil-itary settings and sports teams. The virus is passed in contaminated food and water, and it can live for long times on inanimate objects -- another possible source of transmission.

No medicines kill the norovirus. Replacing fluid lost through diarrhea is the most important aspect of treatment. A home-made replacement solution is a mix-ture of half a tea-spoon of salt, half a teaspoon of bak-ing soda (sodium bicarbonate) and four tablespoons of sugar in a quart (about one liter) of water. Commercial fluid replacements also are available, and drinks like Ga-torade are suitable

for infections that are not prostrating. Bis-muth subsalicylate (Pepto-Bismol) controls diarrhea.

Immunity to norovirus is not long-lasting, so second infections occur.

Many bacterial illnesses, like Salmonella, also lead to diarrhea, but that’s a subject for another day.

• • •DEAR DR. DONOHUE: How can I get rid

of bags under my eyes? -- B.L. ANSWER: In younger years, people don’t

have bags under their eyes because a strong meshwork of tissue holds fat in place. With age, that meshwork loses strength, and fat pushes its way outward in the area under the eyes. That bulging fat is bags.

I wish I had a simple answer for you. The only way to get rid of those bags is surgical removal.

• • •DEAR DR. DONOHUE: Since I was 12,

I have played tennis. I still do, four times a week, and I am 77. I have had to cut the time I play tennis in half because I’m getting short of breath. What kind of lung exercises can I do? -- R.K.

ANSWER: Forget lung exercises. See your doctor, and you should do that as soon as you can. Becoming breathless doing things you used to do without any trouble can be a sign of many serious illnesses.

• • •Dr. Donohue regrets that he is unable to answer individual let-

ters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475.

© 2010 North America Synd., Inc.All Rights Reserved






June 10 - 16, 2010

CONCORD, N.C. -- Regardless of how the rest of the season is going, David Reutimann can count on Charlotte Motor Speedway for respite.

Reutimann's only Sprint Cup victory to date occurred in the track's 2009

Coca-Cola 600. A year after that stirring upset, Re-utimann matched his best finish of the current season by finishing fifth in NASCAR's longest race.

At 40, Reutimann, from Zephyrhills, Fla., is only 112 races into his Cup career. He never made it to NASCAR's premier series full-time until 2008, though he competed in 26 races in '07.

"A guy coming right out of high school and going Cup racing doesn't appreciate it, maybe, as much as a guy like me who's done it a little differently," he said. "Nothing wrong with that.

"Trust me. I wish I would've been 18 years old, coming out of high school, and had an opportunity to do Cup racing. I would've loved to have done that. It just wasn't in the cards for me at the time. If you were 18 or 20 years old, or even mid-20s, you were too young. They wanted guys who were more sea-soned because they didn't tear up as many cars."

It was Jeff Gordon who changed all that. Gordon, of course, has won four championships and 82 races. He's younger than Reutimann.

"Gordon shows up, and all the rules changed," said Reutimann. "Everybody wanted a young guy because he (Gordon) was producing on the race track. You've got a guy like Mark Martin. I'm not saying I'm a Mark Martin, but when you're out there racing that guy and he's kicking butt, it makes you feel really good.

"It makes you feel like you maybe have a little bit of longevity. You never know. In the end, if you run

Reutimann: Better Late Than Neverwell on the race track, they'll probably keep you around no matter how old you get."

Is there still room for a late bloomer? Why, sure."Forty is the new 30, anyway," said Reutimann. "That's what I'm going

with."

Apply online: WhitesMountainChevy.com. Apply today, drive home TONIGHT!

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WE WANT YOUR BUSINESS!

Monte Dutton has covered motorsports for The Gaston (N.C.) Gazette since 1993. He was named writer of the year by the Na-tional Motorsports Press Association in 2008. His blog NASCAR This Week (http://nascar.rbma.com) features all of his reporting on racing, roots music and life on the road. E-mail Monte at [email protected].




• On June 22, 1775, Congress issues $2 million in bills of credit. The bills, known at the time as "Continentals," notably lacked the then de rigueur rendering of the British king. In-stead, some of the notes featured likenesses of Revolutionary soldiers and the inscription "The United Colonies."

• On June 27, 1844, Joseph Smith, the found-er and leader of the Mormon religion, is mur-dered when an anti-Mormon mob breaks into a jail where he is being held in Carthage, Ill. Smith claimed in 1823 that he had been visited by a Christian angel named Moroni, who spoke to him of an ancient Hebrew text that had been lost for 1,500 years.

• On June 23, 1902, Daimler-Motoren-Gesell-schaft first registers "Mercedes" as a brand name, feeling that the non-German name might sell better in France. The famous Mer-cedes symbol, a three-point star, was regis-tered as a trademark in 1909.

• On June 26, 1948, U.S. and British pilots begin airlifting food and supplies to Berlin after the city is isolated by a Soviet Union blockade. By July 15, an average of 2,500 tons of supplies was being flown into the city every day.

• On June 25, 1950, armed forces from com-munist North Korea smash into South Korea, setting off the Korean War. The United States quickly sprang to the defense of South Ko-rea. More than 55,000 American troops were killed in the three-year conflict.


Pat Toft • Jack SwansonPat Toft • Jack SwansonGerald EpperlyGerald Epperly




Thurs., June 10th, ......... PEO CHAPTER WILL SPONSOR A BENEFIT PREVIEW OF “REGRETS ONLY” PER-FORMED AT STAGE III, STAGE III AT 900 N. CENTER STREET, PEO CHAPTER

Thurs., June 10th .......... Fremont’s Friends Club, Fort Caspar MuseumThurs., June 10th .......... SOCCER CAMP - AGES 6 through 10, Soccer fields in North Casper, Casper Soccer ClubFri., June 11th ............... THE 6TH ANNUAL FUNDRAISING GOLF TOURNAMENT, Paradise Valley Country Club,

Central Wyoming Spay & Neuter FoundationFri., June 11th ............... HISTORIC DOWNTOWN WALKING TOURS, Downtown, Painted Past ProductionsFri., June 11th ............... THE MASTERSON GOLF TOURNEY, Casper Country Club, Wyoming Medical Center FoundationFri., June 11th ............... STAGE III presents “REGRETS ONLY”, STAGE III AT 900 N. CENTER STREET, STAGE IIISat., June 12th .............. LUNCH AND LEARN - PRONGHORN PASSAGE, Fort Caspar Museum, Fort Caspar Museum and Fort Caspar Museum AssociationSat., June 12th .............. GALILEO: THE POWER OF THE TELESCOPE & IBEX: SEARCH FOR THE EDGE OF THE SOLAR SYSTEM, CAPER PLANETARIUM AT 904

N. POPLAR STREET, CASPER PLANETARIUMSat., June 12th .............. ITTY BITTY BEACH PARTY, CASPER FAMILY AQUATIC CENTER, COMMUNITY RECREATION FOUNDATIONSat., June 12th .............. STAGE III presents “REGRETS ONLY”, STAGE III AT 900 N. CENTER STREET, STAGE IIISat., June 12th .............. CNFR KICKOFF CONCERT, Central Wyoming Fairgrounds, College National Finals RodeoSat., June 12th .............. THE ANNUAL BAR NUNN GARAGE SALE, Entire town, Town of Bar NunnSat., June 12th .............. 37TH ANNUAL SHRINE ALL-STAR FOOTBALL GAME, NCHS STADIUM, NCHS AND

KWHSSun., June 13th ......................., CASPER CHASE HONORS WAR HEROES WITH A 5K RACE, TBA, Windy City StridersSun., June 13th ............. COLLEGE NATIONAL FINALS RODEO, CASPER EVENTS CENTERSun., June 13th ............. WYOMING GUINESS WORLD RECORD & RIDE FOR HORSE RESCUES, EDNESS

KIMBALL WILKINS STATE PARK, AMERICAN COMPETITIVE TRAIL HORSE ASSO-CIATION

Sun., June 13th ............. ANNUAL BAR NUNN GARAGE SALE, THROUGHOUT THE TOWN OF BAR NUNN, TOWN OF BAR NUNNMon., June 14th SOCCER CAMP - AGES 11 through 15, Soccer fields in North Casper, Casper Soccer Club

Mon., June 14th............ COLLEGE NATIONAL FINALS RODEO, CASPER EVENTS CENTER

Tues., June 15th............ SOCCER CAMP - AGES 11 through 15, Soccer fields in North Casper, Casper Soccer Club

Tues., June 15th............ COLLEGE NATIONAL FINALS RODEO, CASPER EVENTS CENTER

Wed., June 16th, ........... SOCCER CAMP - AGES 11 through 15, Soccer fields in North Casper, Casper Soccer Club

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Send your pet questions and tips to [email protected], or write to Paw's Corner, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475. Find more pet advice and resources at www.pawscorner.com.


How to Avoid Dog BitesDEAR PAW'S CORNER: I'm not afraid

of dogs, but I worry about getting bitten sometimes. My older brother told me that only mean dogs will bite, but I'm not sure about that. How can I tell when a dog is about to bite? -- Kerry in South Dakota

DEAR KERRY: Unfortunately, it's not true that only "mean" dogs bite. Any dog can bite, even a gentle one, if it is in pain, startled or protecting something like its puppies or a toy. So, your instinct is right on: Don't be afraid of dogs, but use cau-tion and respect when interacting with them.

The U.S. Postal Service has some tips to follow to minimize the risk of being bitten:

• Don't run past a dog. The dog's natural instinct is to chase and catch prey.

By Sam Mazzotta

• If a dog threatens you, don't scream. Avoid eye contact. Try to remain motionless until the dog leaves, then back away slowly until the dog is out of sight.

• Don't approach a strange dog, especially one that's tethered or confined.

• While letter carriers are discour-aged from petting animals, people who choose to pet dogs should al-ways let a dog see and sniff them before petting the animal.

• If you believe a dog is about to attack you, try to place something between yourself and the dog, such as a backpack or a bicycle.

You can find more information about preventing dog bites at http://www.avma.org/public_health/dogbite/default.asp

Here’s yet another reason to take all the medi-cation that our doctors prescribe: It can save us from falls.

A study was done by a group with a rather interesting name: MOBILIZE Boston, which stands for Balance, Independent Living, Intellect and Zest in the Elderly of Boston. The group ex-ists to study fall risk factors in seniors. More than 600 participants with an average age of 78 were studied after they’d had falls.

They were all asked four questions: Do they ever forget? Are they ever careless? Do they ever stop taking medicine when they feel better? Do they ever stop taking medicine if they feel worse?

To Reduce Falls, Take Your Medicine

Forty-eight percent were what it called “low ad-herence,” which means they weren’t taking their prescriptions as instructed.

Those seniors had more than one fall per year, a full 50 percent more than the “high adherence” group. Over the course of the study, 376 of the par-ticipants reported more than 1,000 falls.

The researchers suggested that doctors quiz their senior patients about whether they take all medication as prescribed.

While that might be a good idea, I have an idea, too: We need to take responsibility for our health, and that includes taking medications when and as they’re prescribed. Grant-ed, there are some medica-tions with side effects. But a call to the doctor’s office often can result in getting a slightly different medicine. After all, falls are one of the quickest ways we can

lose our independence. Here are some more steps you can take to limit

the number of falls:• Check your environment. Are there wrinkled

throw rugs on your floors? Is the stair-rail sturdy?• Are your shoes comfortable, with a non-slip

sole?• Do you need to update your eyeglass prescrip-

tion?• Do you need handrails installed? Help is

available if you ask for it.© 2010 King Features Synd., Inc.




Help for Homeowners Who Are ‘Underwater’

The Home Affordable Refinance Pro-gram has been extended, which is good news for potentially millions of hom-eowners. Set to expire this summer, the program now will run until June 2011.

HARP is aimed at homeowners of properties that are currently worth less than what is due on the note, known as being “underwater.”

Because of the home-price declines of a still-failing housing market, more and more people are experiencing the loss of equity in their homes. While most underwater homeowners continue to make payments and are current, it’s been reported that when homeown-ers face losses of equity of more than 25 percent, defaults and foreclosures increase. Foreclosures are up to 4.6 percent of all homeowners now.

Some merely walk away from the house when all hope of regaining eq-uity is lost. Without solid loan-to-value numbers, a homeowner can’t refinance. Without good appraisal numbers -- be-cause neighborhood values have fallen -- there is no refinance. Homeowners can’t sell their homes, either, if they’ll still owe more than they can get for the house.

In many cases, the underwater ho-meowner is not at fault. Unemployment can cause whole neighborhoods to fall, as owners sell at low prices one step ahead of foreclosure, bringing down values.

To qualify for the refinance program:• You must be current on your mort-

gage.• Only Fannie Mae or Freddie Mac

loans can participate.• The lender must approve and agree

to rewrite the balance of the loan and take at least 10 percent off the principal.

• After the refinance, the mortgage amount cannot exceed 115 percent of the value of the home.

• The new mortgage payments must be less than 31 percent of your income.

• The property must be your primary home.

• If you have a second mortgage, the first and second will be combined.

• Your FICO credit score must be 500 or above.

If you have an interest-only loan or an interest rate that will rise, a HARP refi-nance can help stabilize your payments by giving you a fixed rate. If you have a high interest-rate loan, a HARP refinance can help reduce your payments.

For more information, check the government’s Making Home Affordable site at makinghomeaffordable.gov. Click on Eligibility, and scroll down to Home Affordable Refinance Program.



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Tidbits of Casper, 06/10/10