Letters to the Editor
All the people who have moved to the Parachute/Battlement Mesa area recently should read “Lest we Forget” by Erlene (Durrant) Murray.
The Hurlburt family came from California, Bea Underwood from Walsenberg, Sipprelles came from Maine, Lawerence W. St John came from elsewhere. Erlene Durrant Murray came from Oklahoma.
The people that were here or came later make the book interesting.
One time I went to buy 10 books. Otis asked who wanted them. It was Exxon, Union Oil and Brown and Root employees, well-read people that wanted to learn about this area. Otis just smiled. The fact so-called “out-of-staters,” “outsiders,” “newcomers,” or “Johnny-come-latelys” wanted Erlene’s book did not seem to flex Otis; after all he had married Erlene after she came here to teach school. Labels are shallow, silly and downright stupid.
When we moved here, a man told me, “We are selling and moving to get away from outsiders, we are moving to Missouri.” I must have said the wrong thing, because he glared at me and walked away.
Now, Kathe Nolley, all I said was, “And … what will they call you when you get to Missouri?”
Perhaps we should celebrate “Outsiders Day,” lest we forget once we leave the womb we might all be outsiders for reasons of employment, health, military service or college.
Shirley (Tabor) Ackerman
Bush never learns. During the Terri Schiavo case, he flew Air Force One from Texas to Washington, D.C., to sign a “bill” that mostly Republicans made up in a hurry.
Now he is sticking his nose in the Anna Nicole affair, a topless dancer who married an old 80-plus man with one foot in the grave already. Bush thinks she should get a $400 million settlement. The son says “No way.” Is Bush going to furnish a lawyer for her? You would think he could find some “government work” to keep him busy.
He says it’s hard work being president.
Previously, articles were on every page of your newspaper that were interesting and had value. It was a pleasure to read the news and feel you were informed. Now I read the same story over and over. Newspapers should be breaking the news, not making the news. As a major advertiser in all the local newspapers, I think I would get more of my money’s worth if we had better news stories. People would spend more than 10 minutes reading the paper and looking at the advertisements.
Local newsworthy stories reporters should be covering personally are planning and zoning and town meetings. Many elected officials are not running our towns. Some have very weak councils and very strong and persuasive attorneys, and staffs make the decisions (for either good or bad). Most council members in small towns do not have the time to study the issues, therefore most staffs systematically run the towns. These actions are dangerous in a democracy.
Elections are coming up in 2006. I urge people without personal agendas or axes to grind to run for office. Find out what is really going on that affects their freedom and finances. Our freedom will slowly erode if we don’t protect it. We need to bring honor back to our towns by hiring knowledgeable, courteous, honest people.
We are in dire need of new schools in all our communities. We need to find out what is needed and step up to the bat now, not five or 10 years down the road. We are fortunate to have good staff and board members running all the school districts in Garfield County. Education is one of the most important things we can support. I would like to see more news about our students and their achievements.
Newspapers are our main source of local information. I challenge you to write motivational articles to encourage citizens to support our communities and take an interest in what is going on. It would be very informative to print upcoming meetings, monthly disbursements of money and agendas, for every public entity that is spending taxpayers’ money.
Our ignorance and naivete in obtaining a mortgage loan was painfully exposed over the holidays. We would like to pass on some tips to help readers avoid the pitfalls we encountered with a local residential mortgage broker.
There are many mortgage brokers who seek to obtain your business. There are varying degrees of avarice, honesty, and goodwill among these entities, ranging from working in the consumers’ best interest for fair compensation to outright fraud. Predatory lending is a nationwide problem, and Colorado has no licensing of mortgage brokers.
RESPA, the federal Real Estate Settlement Procedures Act, is a consumer protection law. Amendments to improve it have been contested in Congress for a number of years. It has no real teeth in such areas as final closing costs. Predatory brokers and lenders know the intricacies of the law, and can avoid breaking the letter of it.
Review the mortgage brokerage contract thoroughly before signing. A hundred dollars spent up front for a lawyer can save thousands.
Realize the Good Faith Estimate can differ significantly from the final closing documents, with no penalty to the broker. Also beware of verbal statement about the Good Faith Estimate. The verbal assurance to us was that the blank “0-3 percent Lenders Compensation to Broker” was usually about 1 percent. On the closing documents, it was almost doubled.
Keep originals of documents. In our case, we declined the initial noncompetitive loan offer. We discarded the documents, but later responded to the broker’s plea of “What can we do to earn your business?” by saying, “Get us a better deal than [our other offer].” He did not.
Work with service providers with good reputations. Get a recommendation from someone you trust. I would recommend checking with the Better Business Bureau, but it has been unhelpful in our present situation.
We sincerely hope this information will help prospective borrowers in this area find a reputable, nonpredatory residential mortgage broker.
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