Page 1


Of Lincoln County



The Neatest Little Paper Ever Read

Oct 24-30, 2008

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Issue # 010

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by Audrey Cunningham Masks have long been used for costumes and disguises, as well as cosmetic and surgical purposes. This week’s Tidbits reviews some betterknown masks and the faces behind them. • The most famous mask in popular culture might be that of the Lone Ranger. According to legend, the Lone Ranger fashioned his famous mask from the fabric of his brother’s vest. His brother, a Texas Ranger, died in an ambush at the hands of the Butch Cavendish Gang. The original mask worn by TV’s Lone Ranger, Clayton Moore, is on display at the Smithsonian Museum. • The first professional hockey player to wear a protective face mask was goaltender Clint Benedict of the Montreal Maroons. In 1930,he made some adjustThe Funnest Cafe in Newport! ments to a football mask and wore it for five games 6th Street & Hwy 101 to allow his broken nose to heal. Across from Lumbermen’ • The three masks worn by the Leatherface character 541-574-6847 in the 1974 film The Texas Chainsaw Massacre were almost thrown away – by director Tobe Hooper’s mother! Ed Neal, who played the hitchhiker in the film, rescued the masks. He kept one for himself and auctioned off the other two. turn the page for more!

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Phone Cell

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Published By DenLu Publishing LLC Oct. 24-30, 2008

Page 2 Issue # 010

Advertising Call 541-921-7281

Hey Guys & Gals, Here is your chance to Strut your stuff! Email your stories, (keep it clean this is a family paper) jokes, riddles & photos or tips. Send it to P.O. Box 848 Siletz, OR 97380 or email to: or call Lu at 541-921-7281

Salmon River Market

groceries, gas, directions, propane & coffee

“Specializing In friendly Service” Come & say Hello! fill your cup or propane tanks 541-994-2611

1264 Salmon River Hwy 18,Otis, Or.

BEHIND THE MASKS (continued):

• The best-selling Halloween masks for the past several years have included horror-film characters such as Freddy Krueger, Jason Vorhees, Dracula, and the Wolfman. Popular movies and news stories also spawn related Halloween masks. This year, for example, Batman masks are big sellers due to the huge success of the movie The Dark Knight. Sales of candidates Barack Obama and John McCain masks are also spiking thanks to the upcoming presidential election. • The familiar “comedy” and “tragedy” masks that symbolize the theater originated in ancient Greece. The masks date back about 2,500 years ago, where they were worn by performers in early Greek plays. Back then, theaters were so large that many audience members had difficulty seeing the performers’ facial expressions. The oversize, exaggerated masks helped to convey the proper emotions of the actors. • British actor James Purefoy was originally cast as the title character in the 2006 film V for Vendetta. But he quit after three weeks of filming and was replaced by another actor, Hugo Weaving. Purefoy’s complaint? His face was not to appear throughout the entire film. The mysterious character was required to wear a Guy Fawkes mask at all times. “Even Batman gets to take his mask off sometimes,” said Purefoy. • In the late 1990s, the Fox television network aired a series of specials called Magic’s Biggest Secrets Finally Revealed. The shows were hosted by “the Masked Magician,” who revealed the secrets behind some of magic’s most famous illusions. He revealed his identity on the final special; he’s a Las Vegas stage magician named Leonard Monatono, and performs magic under the showbiz name Val Valentino. • The mask (and then face paint) worn by comedian Jim Carrey in his 1994 film hit The Mask were only part of his character. He also donned oversized novelty teeth, intended to be seen in scenes with no dialogue. But Carrey practiced diligently and

learned to speak well enough while wearing the teeth. As a result, he was able to use them throughout the movie. (He liked them and felt they made his character appear even more “over the top.”)

Buttermilk Lake USGS Nortons Quad, Oregon, Topographic Map Buttermilk Lake is a Lake in the state of Oregon (county of Lincoln), located at latitude - longitude coordinates of N 44.64067 and W -123.69066. Buttermilk Lake is shown in the center of the topographic (topo) map, which is sourced from the United States Geographical Survey map USGS Nortons quad. The nearest major town is Eddyville, OR

Fish Bits Fish Bits is Sponsored by Premium Craft Beer • Belgian Ales • Wine Best Selection & Variety “Where the Locals Go for Brew to Go” Pick your favorite microbrew for a unique & delicious MIXPAK. Special Orders Welcome

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"Three Men And A Baby": What you get when four men go fishing and one comes back not catching anything. Catch Fish? Dennis had an awful day fishing, sitting in the blazing sun all day without catching a single one. On his way home, he stopped at the Fish market and ordered four Tuna fish. He told the fish salesman, “Pick four large ones out and throw them at me, will you?” “Why do you want me to throw them at you?” “Because I want to tell my wife that I caught them.” “Okay, but I suggest that you take the Cod.” “But why?” “Because your wife came in earlier today and said that if you came by, I should tell you to take the Cod. She wants that for supper tonight.” • What has no beginning, end or middle and touches every continent? The ocean

How well do you know Lincoln County?

Quit wishing -- Go fishing Lincoln County is home to how many lakes? Can you list them? Send in your replies to Tidbits of Lincoln County attn fishing bits P.O. Box 239 Otis, Or 97368 or email us subject fish to win.

Signs You May Be Too Old Did you hear Fish Bits is now for Trick-or-Treating Sponsored by A neighbor compliments you Seal Rock Store! on your Keith Richards Now if we could just get mask...and you’re not a sponsor for wearing one. our brag page.... interested call You give away the “chewy” Lu 541-921-7281 candies because they wreak havoc with your dentures. You have to avoid porches with too many steps ever since your hip replacement surgery. You have to choose a mask that won’t dislodge your hairpiece. Other trick-or-treaters avoid you because they’re tired of hearing how much bigger candy bars were “in your day.”

BEHIND THE MASKS (continued):

• Starsky & Hutch star David Soul was an actor and a singer. Before he hit it big on TV (and scored a song hit with “Don’t Give Up on Us”), Soul donned a ski mask and played the talk show circuit under the stage name “The Covered Man.” • Burt Ward wore a raccoon-like mask as Robin the Boy Wonder on TV’s Batman. As a result, he had to perform many of his own stunts. Co-star Adam West wore a cowl that covered most of his head, so it was easy to substitute a stuntman for Batman’s more perilous scenes. Ward’s mask left most of his face visible, so it was hard to fool the audience with a replacement. He suffered many bumps and bruises while filming the show. • Surgeons first wore masks during operations not for sanitary purposes, but to protect themselves from the odors emanating from their ill patients. Quite often, they’d dab peppermint oil inside their masks to stifle the stench. It wasn’t until the late 19th century that Dr. Joseph Lister discovered a connection between germs in the operating room and infections in surgery patients. • The masked character Zorro first appeared in 1919 in a novel written by Johnston McCulley. In the original story, Zorro was the alterego of master swordsman Diego de la Vega, a freedom fighter who lived in California during the Spanish colonial era. • In the Phantom of the Opera musical that has wowed the theater-going public since 1986, the Phantom wore a white half-mask. But when Lon Chaney portrayed the Phantom in the famous 1925 film, he didn’t don a mask. The “Man of 1,000 Faces” stuffed the inside of his cheeks with cotton and built up his outer cheeks with collodion, a celluloidlike film. He glued a strip of fish skin to his nose and used false teeth made from gutta-percha, a type of latex. • Chemical warfare was introduced during World War I. The French used ethyl bromoacetate, and the Germans retaliated with chlorine. Since horsepower (literally speaking) was still a major means of transport at the time, special gas masks were devised for equine wear. Cheesecloth and oilcloth were outfitted with a metal mouthpiece and an outlet valve, then placed over the horse’s nose and mouth for protection. • On TV (or in real life), you may see a violent suspect appear in court with what looks like a white half-mask covering the lower part of his or her face. That particular restraint is part of a line of law-enforcement equipment made by TranZport. The “Spit Net” is fitted to belligerent prisoners to prevent them from spitting or biting. They are constructed to be humane to the prisoner while providing ample protection to police and court officers. • When Darth Vader was finally unmasked in the film The Return of the Jedi, the face revealed was not that of tall British bodybuilder David Prowse, who’d worn the costume up until then. It was actor Sebastian Shaw, who was chosen by George Lucas because he looked more “paternal.” Prowse, however, claims that the change was made to discourage him from negotiating a higher salary for future films in the Star Wars series.

Published By DenLu Publishing LLC Oct. 24-30, 2008

Page 3 Issue # 010

Looking for Fun ....

Advertising Call 541-921-7281

Real Estate Listings:


What to do and where to go in

Hwy 101 and 7th Street Yachats, Oregon Local: 547-3171 Toll free: 800-626-8439

Lincoln County

Saturday, Oct 25, Lincoln City 10 a.m. – 3 p.m Classic Roast Chicken at the Pacific Coast Center for Culinary Arts Master this simple preparation as part of a rustic French supper during this hands-on class with the PCCCA;s new executive chef. Explore wine pairings during the meal portion of this class. Menu: Learn to make a pan sauce, roast vegetables along side the chicken, create a simple salad with a classic vinaigrette, and finish with a perfect creme bruelle. This class runs from 10 a.m. – 3 p.m. and cost is $60, with a meal included. *Newport 7:00 PM - 9:00 PM Creatures of the Night at the Aquarium Oregon Coast Aquarium Come experience the elaborate annual Halloween Party, Creatures of the Night, offering a safe environment for a fun family celebration featuring activities for all age groups. Admission is substantially reduced for the event with Aquarium members entering free. Non members who donate a new, unwrapped toy or 2 items of non-perishable food items for Lincoln County Food Share or pet food for Lincoln County Animal Shelter will enter free. All other adults pay $2 and kids $1. * Sea Lion Encounter 10 a.m. – 11 a.m Learn about the Aquarium’s pinnipeds, get a sea lion kiss from Lea and explore behind the scenes at the aquarium. Make reservations in advance by calling 541-8673474 Ext. 2313. (Limit 10 people per encounter). 10 a.m. – 11 a.m. Ages 8 and up $40 nonmembers, $35 members. Oregon Coast Aquarium. Newport, Oregon *Waldport Saturday, 11 am to 4 pm Harvest Fest/ Pumpkin Carving Contest/Face Painting Who: Shorebirds, Waldport Photo and Gifts, Allstate Realty, Tropical Treats and the Waldport Chamber of Comemrce Where: On the Corner of 101 and Hwy 34, Waldport * Yachats 7 p.m. - 11 p.m 3rd Annual Brushwhackers’ Halloween Ball. A family evening of dancing and traditional Halloween activities, including costume contests, pumpkin carving, mask making. 7 p.m. - 11 p.m. Yachats Commons, W 4th St. and Hwy 101. Yachats, October 25 & 26.Lincoln City Hunting Mushrooms and Putting Them Into Words with Nancy Weber and Carol Bassett at the Sitka Center. All skill levels welcome. To register or find out more please call 541-994-5485 or visit Three Rocks Road, by Cascade Head (just north of Lincoln City). Oct 27 - Oct 31 Toledo Scarecrow Festival Contact: October 31 Depoe Bay Halloween Carnival Fun games and food for children 0 – 12. Sponsored by the teens. Location: Depoe Bay Community Center Cost: Free *Toledo Trick or Treat Toledo Contact: *Nye Beach 4-5pmTrick or Treat Bring your little goblins and ghosts, princesses and pirates and have fun Trick or Treating at Nye Beach. Sponsored by the Nye Beach Merchant Assoc. The following merchants will be handing out treats : Cafe Stephanie, Toujours, Village Market & Deli, Sandbar Sports Bar, Nana’s Irish Pub, Nye Beach Market, For Artsake, Nye Beach Cottages, Raindance, Latitude 44, Jovi, Tea Party, Dapper Frog, Grand Victorian, Illingworths, Linda & Michael Photography. FMI Nancy Mandish, Dapper Frog Gallery, 541-265FROG Email: Fees/Admission: Free *Newport Chamber Luncheon City Council Candidates Forum 12:00 PM - 01:00 PM Location: Shilo Oceanview Resort FMI 265-8801 Fees/Admission: $10 HAPPY HALLOWEEN!!!

Espresso Listings

Blodgett: Blodgett Country Cafe Hwy 20 541-453-4433 Lincoln City: Tsunami Espresso 247 SW Hwy 101 near D River Newport: Fast Lane Coffee Co 610 N. Coast Hwy 541-574-0316 KundALini Espresso 121 N.E. 15th St. 541-270-8280 Newport Bay Coffee Co. 4852 N. Coast Highway 541-265-4090 Dutch Bros Coffee 822 SW Coast Hwy “Guaranteed to Satisfy” Otis: Dock’s Landing Mona at downtown Otis Seal Rock: Life Saver Espresso & Bakery 10841 Hwy 101 541-563-6622 Toledo: Milltown Coffee Stop W. Highway 20 541-336-2498 Toledo Coffee Depot 615 W Highway 20 541-3365282 Waldport: Espresso 101 Mile marker 156 Hwy 101 541-563-3939

Requests & Contests 265-2266

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Lincoln City 994-2181 Newport 265-2266 YAQUINA BAY COMMUNICATIONS, INC

Do you have a SCARY Housing situation Check out Chris’ Tips and Hints of the week. The initial panic is subsiding and we are coming to grasps that the solutions will not all come from our leaders. We are resilient and we are problem solvers. We are caring and look out for others and will help them thru these changes. The path ahead of us will require us to take a path that is less easy. We can do it! There seems to be several immediate or imminent concerns such as the stock market, banking, mortgage market and of course the election. In our community we have a people that know us and care about us. As changes affect each one of us we need to seek out our professionals and get advice. If you have saved and invested then your financial advisor is just a phone call away. Call your bank and inquire about your accounts with your banker. If you have mortgage questions call a mortgage loan specialist, whether it be an independent or your bank. The mortgage industry has had many changes over the past year. How we got there – is important. How we are going to overcome and survive it - is even more important. Home owner-ship is one of the cornerstones to every community. It is creates “neighborhoods” where kids can grow up and where we can grow old and cherish our memories. But even more important is that it provides for a stable community. With pride of ownership the neighborhoods grow and thrive, and with that the population of our community has the ability to grow, and the economy becomes strong and prospers. It hurts each time I see that a home is facing foreclosure. It is important to know that there is help for everyone and assistance is available. There are a number of skilled professionals – aside from the immediate lender that can help turn a horrible situation into something manageable. There are counselors and advisors and loan professionals that at a minimum can discuss the options available. There are (continued)

Published By DenLu Publishing LLC Oct. 24-30, 2008

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Bruce & Debbie Cram CCB License #183298 541-961-6447

our Y

Page 4 Issue # 010

Main Street Cafe

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Open for Breakfast & Lunch 5 am - 2 pm Mon. - Fri. 6 am - 2 pm Sat. 7 am - 2 pm Sun.

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Watch Artist Susan Hanson, at work. Sign up for classes!

Newport, Oregon—Hearing loss currently affects more than 36 million Americans today. Although hearing problems are commonly associated with the normal aging process, more than half of all hearingimpaired persons are younger than 65. With the increased use of personal music players (MP3s) and earbuds, the number of Americans experiencing hearing loss at a younger age is growing. On average, most Americans consider hearing loss a condition that is simply associated with aging, and don’t know how to recognize the condition or who is qualified to diagnose and treat the condition. In response to this growing number of Americans suffering from hearing loss, the American Academy of Audiology in conjunction with Coast Hearing Services have launched National Audiology Awareness Month this October. An audiologist is a highly educated and clinically experienced health-care professional who specialize in evaluating, diagnosing, and treating people with hearing loss and balance disorders. Audiologists treat patients of all ages—newborns, infants, babies, toddlers, children, teens, adults, and the elderly. The first step in treatment of a hearing problem is a hearing evaluation by an audiologist. “Hearing loss can be caused by exposure to loud noises; ear infections, trauma, or ear disease; harm to the inner ear and ear drum; illness or certain medications; and deterioration due to normal aging process,” explains Le’Anne McEachern, Au.D. Doctor of Audiology. You may have a problem with your hearing and need to see audiologist, if you have trouble hearing conversation in a noisy environment such as a restaurant, are unable to hear people talk to you without looking at them, or have a constant ringing or pain in your ears. Audiologists have a variety of specialties to include, but not limited to: * Prescribing and fitting hearing aids * Assisting with cochlear implant programs * Performing ear- or hearing-related surgical monitoring * Designing and implementing hearing conservation programs and newborn hearing screening programs * Providing hearing rehabilitation training such as o Auditory training o Speech reading o Listening skills improvement Although most hearing loss that is caused by nerve damage is permanent, an audiologist can determine the best treatment, which may include hearing aids, assistive listening devices, and hearing rehabilitation. For more information or to schedule an interview, contact us at Coast Hearing Services


Chris’ Hints and Tips (continued) a number of skilled professionals – aside from the immediate lender that can help turn a horrible situation into something manageable. There are counselors and advisors and loan professionals that at a minimum can discuss the options available. There are several solutions and the key is to act as soon as the problem begins. Foreclosures take time and it is important to use that time to consider solutions. Many people think that the mortgage industry has failed and banks are unable to make loans. The fact is the mortgage industry began many of their corrections months ago. In September Fannie Mae and Freddie Mac received support from the federal administration with goals that need to be completed. They still have funds for loans; and are a driving force in the mortgage industry. In March the use of FHA or Federal Housing Administration stepped up to the challenges facing home owners. FHA is a self funded government agency that insures mortgage loans and they have been around since 1934. They have their own guidelines and they are motivated to provide home owner- ship for purchases and refinances. FHA recognizes the economic stimulation to the country as a whole and the local communities that are served with home owner-ship. The local communities remain vital and stable and our public service, schools and retailers can continue without worry as our neighborhoods stay strong. It is important to act on your questions and get satisfactory answers; not only for buying a home or refinancing or selling your home but also for any question that you may have regarding your financial situation. Each one of us can assist and promote correction and recovery in the economy by participation.

Hearing Loss: Now the Third Most Common Health Problem in the United States contributed by Le’Anne McEachern, Au.D. Doctor of Audiology

Chrysler Dodge Jeep vehicles only Includes Filter up to 5 quarts & multi-point inspection DIESEL & SYNTHETIC OIL EXTRA to take advantage of this offer Coupon must be presented before Service THIS COUPON EXPIRES 11/19/2008


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Call Lu 541-921-7281 Real Estate Ad Specials! for month of November

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For Red Hot Vacation Deals! 7-night 11-night Call for Mexican Riviera Mexican Riviera Appointment (San Francisco, CA (Los Angeles, CA

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Page 5 Issue # 010

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$380 fare to Australia Amazing fares to an amazing destination... per person one way, $760 round trip. Must be purchased by 31 October 2008! Depart from Los Angeles or San Francisco. all prices based on availability

Feeling the Squeeze? Advertise With

Perfect Look

We opened in Lincoln City on Valentine’s Day 2008. We specialize in hair coloring, perms, hair cuts, up do’s, prom do’s, and wedding up do’s. We are happy to do your short, medium & long hair. We invite men, women, and children to come and experience a Perfect Look sensation. Seniors get 10% off ! We are a walk in only salon with four to five stylist to serve you. Located in the Lighthouse Square near Safeway we are hoping you will come to us for all your hair needs. We do perms, cut & styling, color, weaves, frost, hilites, & low-lites, as well as eyebrow waxing. We carry over 15 products including new to our salon-Urban shock, color craze, blue, purple, hot pink, red, orange, yellow, & green. We use the highest quality products including Kenra, Paul Mitchell, Redkin, Purelogy, Jaico, Crew, Nion, Togo Bed Head, Big & Sexy, Sleek Matrix, ISO, Sebastian, Artec, ABBA, Biolage Matrix, Amplify, plus our own special Matrix Perfections line. We would love to serve you! Walk in or call 541-994-3867. We are open 7 days a week Sunday-11-5, Monday - Friday 9-7 & Saturday 9-6. Please come on in and let Donna, Elaine, Young, and Rhonda provide you with the best service for all your hair needs.

Peanut Butter Sweet Potato Bake

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Sweet Potato vs. Yams -- there is a difference. Yams are moister than sweet potatoes and have darker skins. Sweet potatoes are versatile and are often baked, candied or made into pies. It's best not to boil them, as they'll lose much of their flavor. 1/2 cup unsweetened orange juice 1/4 cup Peter Pan or Skippy reduced-fat peanut butter 2 tablespoons Brown Sugar Twin 3 cups (16 ounces) sliced cooked sweet potatoes 1/2 cup miniature marshmallows Preheat oven to 350 F. Spray an 8-by-8-inch baking dish with butter-flavored cooking spray. In a large bowl, combine orange juice, peanut butter and Brown Sugar Twin. Add sweet potatoes. Mix well to coat. Pour mixture into prepared baking dish. Bake for 20 minutes. Sprinkle marshmallows evenly over top. Continue baking for 5 minutes or until marshmallows start to melt and are lightly browned. Divide into 6 servings. Each serving equals: 135 calories, 3g fat, 4g protein, 23g carbs, 90mg sodium, 22mg calcium, 3g fiber; Diabetic Exchanges: 1 Starch, 1/2 Fat; Carb Choices: 1 1/2. Visit Healthy Exchanges at www.healthyexchanges. com, or call toll-free at 1-800-766-8961 for more information about the only national food newsletter for diabetics, heart/cholesterol concerns and healthy weight loss. (c) 2008 King Features Synd., Inc.

Queen Blankets $45.00-$54.00. We also offer King, Twin, CA King, throw, & baby We are also looking for distributors throughout USA Call us for your best deals.

School Bits

Published By DenLu Publishing LLC Oct. 24-30, 2008

Page 6 Issue # 010

Advertising Call 541-921-7281

Tidbits of Lincoln County Tidbits of Invites all Students of our Lincoln Lincoln County County Schools K-12 to join our Invites Poetry and Short Story Contest! Schools K-12 to send in For details email their News & Events to be posted in our School Bits or write to us at P.O. Box 239 Otis, OR 97368

Contact: Melaia Kilduff, After School & Site Coordinator, Waldport Community Learning Would like to thank these businesses for Center, 541-563-3476 contributing prizes to our winners of our Poetry & In search of the Great Pumpkin, last week dozShort story contest. ens of students from Waldport's 21st Century After School Program trekked to Heavenly Harvest Pumpkin Patch near Corvallis . The students -- ranging from eager kindergartners to seasoned eighth graders -- made their second annual visit farm. Perfect Look of Lincoln City toIn the addition to pumpkin picking, students shot a corn cannon, aimed for apples with a sling shot, played in corn seed tables, raced rubber ducks and found their way through corn and hay mazes. Students will carve, paint and decorate their pumpkins later this month during After School Program activities. Registration for the 21st Century After School Program is open throughout the year for students in Kindergarten through 8th grade. Registration forms are available at Crestview Heights School, the Waldport Community Learning Center and online at the Lincoln County School District Join us in celebrating our Youth! website For more information, please contact Melaia Kilduff, 21st To sponsor call Lu Century After School Program Coordinator at 541-921-7281 563-3476. Scholarships are available for Crestview Heights students. Etasha corn: Etasha Golden, 5th Grade, enjoying the corn seed tables Jacob maze: Jacob Halpin, 2nd Grade, running through the hay maze

Siletz Bay Gallery & Gifts

Mariner Square

Newport Cafe


Published By DenLu Publishing LLC Oct. 24-30, 2008

Page 7 Issue # 010

Advertising Call 541-921-7281 The Little Red Store

For the Coast’s Premium Fudge, Remember 10449 NW Pacific Coast Hwy

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SENIOR NEWS LINE by Matilda Charles Medicare Part B Premiums Unchanged For the first time since 2000, we won't see an annual increase in monthly premiums for Medicare Part B. The majority of us will continue to pay the $96.40 per month. Unless we have a lot of money, that is. For those who have more than an $85,000 modified adjusted gross annual income for a single person ($170,000 for a couple filing jointly), the monthly premium will go up roughly $135 to $308 per month depending on income. That's not to say we're getting a gift with this no increase in premium cost. We've paid higher premiums in recent years, so a contingency reserve could be built up. Not only that, but a whopping $9.3 billion (yes, billion, with a "b") was given back to Medicare after it was accidentally spent (since 2005) for hospice care, a program that should have been paid for by another part of Medicare. Medicare Part B covers things like doctor visits, wheelchairs and other medical equipment, things that don't involve being in a hospital. We pay a deductible of $135 for that, and it's not going up. Medicare Part A (the part that pays for hospital stays, nursing homes and some home health-care services) will see an increase in the deductible of $44, bringing it up to $1,068 when we go into the hospital. Those of us who have the full 40 quarters of Medicare-covered work don't pay a monthly premium. Those who don't have at least 30 quarters however, however, will have an increase in the Part A premiums they already pay, up to $443 per month for next year. Those who have 30 to 39 quarters will pay $244 per month.

VA Reaching Out to Vets with VA Survey Mortgage Problems The Department of Veterans Affairs will be calling

Peake: VA Has a “Solid Record of Success” in Helping WASHINGTON – Many home owners have found it difficult recently to pay their mortgages, but quick intervention by loan counselors at the Department of Veterans Affairs (VA) has actually reduced the number of veterans defaulting on their home loans. “VA is reaching out to veterans -- both those who use our home-loan guaranty program and those who don’t take advantage of our guaranties -- to keep people in their homes,” said Secretary of Veterans Affairs Dr. James B. Peake. “I’m proud of our solid record of success in helping veterans and active-duty personnel deal with financial crises.” Accounting for much of this success are VA counselors at nine regional loan centers who assist people with VA-guarantied loans avoid foreclosure through counseling and special financing arrangements. The counselors also can assist other veterans with financial problems. VA counselors have helped about 74,000 veterans, active-duty members and survivors keep their homes since 2000, a savings to the government of nearly $1.5 billion. Depending on a veteran’s circumstances, VA can intercede with the borrower on the veteran’s behalf to pursue options -- such as repayment plans, forbearance, and loan modifications -- that would allow a veteran to keep a home. To obtain help from a VA financial counselor, veterans can call VA toll-free at 1-877-827-3702. Information about VA’s home loan guaranty program can be obtained at

Since 1944, when home-loan guaranties were offered with the original GI Bill, VA has guarantied more than 18 million home loans worth $911 billion. Last year, about 135,000 veterans, active-duty service Matilda Charles regrets that she cannot personmembers and survivors received loans valued at WANT TO RUN YOUR OWN NESS? ally answer reader questions, but BUSI will incorporate nearly $24 billion. Publish a Paper in Your Area

them into her column whenever If You Can Provide: Sales Experience possible. · A Computer · Write Desktop Publishing Software · A Reasonable Financial Investment to her in care of King Features Weekly Service, We provide the opportunity for success! P.O. Box 536475, Orlando, FL 32853-6475, or Call 1.800.523.3096 send e-mail to (c) 2008 King Features Synd., Inc. Information in the Tidbits® Paper is gathered from sources considered to be reliable but the accuracy of all information cannot be guaranteed.

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About 2.3 million home loans still in effect were purchased through VA’s home-loan guaranty program, which makes home loans more affordable for veterans, active-duty members and some surviving spouses by protecting lenders from loss if the borrower fails to repay the loan. More than 90 percent of VA-backed home loans were given without a downpayment. April data shows that foreclosures are down more than 50 percent from the same months in 2003. VA attributes this to prudent credit underwriting standards, its robust supplemental loan servicing program and VA financial loan counselors.

42,000 veterans in an annual random survey between now and Thanksgiving week. Don't hang up when it does. Your answers really matter. If you're enrolled in the VA health-care system, your answers could translate into more money for VA. It'll be looking for information to help make projections on enrollment, costs and future utilization of services. The information from each annual survey is compared with information from previous surveys, allowing the VA to spot trends and plan ahead. Granted, you likely won't have an opportunity to ask questions about your particular situation. Judging from the information in previous surveys, your responses likely will be limited to the questions asked. There's the standard stuff -- age, race, marital status, years of service, income, work status and priority group number. Then it wants to know about any insurance, as well as the number of prescriptions taken. Another section had questions about planned future use of VA health-care services. That last one, if the question is still on this year's survey, might be the most important. In the past, interviewers have asked if participants planned to use VA health care for prescriptions, specialized primary or backup care, or as a safety net. Only one section on previous surveys made me nervous: perceived health status. If you respond in October that you're in tip-top shape, there might be a question if later on you decide to file for serviceconnected benefits. Overall, though, it's better to be honest if you're called to participate in the survey. The results of previous surveys can be found at http:// Most interesting are the graphics that show the breakdown of enrollees across the country by state. Write to Freddy Groves in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail. com. (c) 2008 King Features Synd., Inc.

Published By DenLu Publishing LLC Oct. 24-30, 2008

Page 8 Issue # 010

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Q: I live on a fixed income, and with rising prices and this poor economy, I worry about being able to pay the bills. The one thing I never want to skimp on is caring for my two cats, Farley and Socks. But I am worried about having enough money for vet bills should they fall sick. What can I do? -- Gloria in Los Angeles A: These really are worrisome times, and pet care can fall by the wayside when pet owners are trying to pay for necessities. However, there are low-cost services available for pet owners, especially in big cities. The American Animal Hospital Association (, through its Helping Pets fund, can help pay for part or all of a pet's veterinary care. Larger pet hospitals often offer programs for pet owners with limited means. Universities that teach veterinary medicine might offer discounted services. Contact one in your area and ask what programs it offers. Keep an eye out for coupons and discount programs offered by local veterinary clinics. These offer things like free office visits and discounts on routine services. Senior services in many towns and cities organize sessions to give rabies shots and other necessary vaccinations, for free or little cost. In short, there are programs out there to help owners pay for their pets' medical costs, but they are not always widely advertised. The best thing to do is start looking for low-cost care options now, while your pets are healthy and you have time to sift through the information. Talk to your regular vet and friends who have pets, call your city or county animal shelter and senior services department, ask the manager of your favorite pet store -- there are many resources available. Send your tips, questions and comments to Paws Corner, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or e-mail them to (c) 2008 King Features Synd., Inc.

Tidbits of Lincoln County issue 010  

Tidbits of Lincoln County is the neatest little paper. Fun things to do, events in Lincoln County, ads from local business, school news all...

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