Outpost Newspaper

OutpostFRE

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Vol. 6 Issue 34 August 31 - September 6, 2011 WEEKLY NEWSPAPER

PRSRT STDECRWSS

U.S. Postage PaidPermit #5

ZIP CODE 99026

Fun at the Clayton Fair Page 6

Nine Mile Resident Wins Award 4

County Information 5

Donate Your Old Car 10

2 • lakespokaneOutpost.com • August 31 -Sept. 6, 2011

*2.9% annual percentage Rate. VINs posted at dealership. Vehicles subject to prior sale. Tax, license and $150.00 negotiable dealer documentation fee may be added. All financing on approved credit. t The dealer will pay 100% of the labor and 100% of the parts for the covered systems that fail during the warranty period. Ask the dealer for a copy of the warranty document for a full explanation of warranty coverage, exclusions and the dealer’s repair obligations. See dealer for details. All vehicles subject to prior sale. Not responsible for typographical errors. File photos, not actual photos. Offers expire 9/5/11.

7700 E. SpraguE • SpokanE VallEy • phonE: 924-3250 • (877) 568-3363

New 2011 Chrysler 200 CoNvertible

WaS.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29,645noW .................................. $26,950rEBaTE .............................. -$1,500***MIlITary rEBaTE ................-$500

New 2011 DoDge ChalleNger

WaS.. . . . . . . . . . . . . . . . . . . . . . $28,490noW ......................... $25,950***MIlITary rEBaTE . . . . . . . . -$500

Leather!Leather!

New 2011 ram1500 Crew Cab

WaS.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $39,314noW ............................................. $35,249rEBaTE ......................................... -$3,750raM BonuS ..................................... -$1,000ally BonuS .................................... -$1,000***MIlITary rEBaTE . . . . . . . . . . . . . . . . . . . . . . . . . . -$500

New 2011 ram 2500 Crew Cab bighorN CummiNs Diesel

WaS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $52,985noW ................................... $45,985rEBaTE ................................ -$3,000ally BonuS ........................... -$1,000***MIlITary rEBaTE ..................-$500

FRIDAYnSAtuRDAYnSunDAY n MonDAYFRIDAYnSAtuRDAYnSunDAY n MonDAY

SaVeUp to$11,500

Chevy • toyota • honda • Subaru • GMC • PontiaC • ford • hyundai • niSSan

WAS $ 19,999

NOW $17,995

2008 VOlkSwAgeN jeTTAglI TuRbO

STk #14953 Vin #3Vwwj71k17M126596

WAS $ 21,999

NOW $17,495

2010 DODge chARgeR SXTSTk #12575Vin #2b3ck3cV3Ah207609

WAS $ 23,999

NOW $20,495

2008 SubARu FOReSTeR XSTk #13348 Vin #jF2Sh6bc0Ah769825

WAS $ 23,999

NOW $21,895

2009 cADIllAc DTSSTk #14867 Vin #1g6kD57Y69u103423

WAS $ 14,999

NOW $12,495

2008 kIA OpTIMA lXSTk #12597 Vin #kNAge123085248550

WAS $ 14,999

NOW $13,295

2004 MINI cOOpeR SSTk #14880 Vin #wMwRe33404TD78137

WAS $ 16,999

NOW $14,295

2007 TOYOTA cAMeRY leSTk #12076 Vin #4T1be46k27u545397

WAS $ 16,999

NOW $14,950

2009 TOYOTA cOROllA SSTk #14780 Vin #1NXbu40e69Z032386

WAS $ 23,999

2009 jeep wRANgleR X

NOW $21,895

STk #14888 Vin #1j4FA24129l744906

WAS $ 18,999

2007 MITSubIShI eclIpSe gT

NOW $16,495

STk #12601 Vin#4A3Al35T47e007298

ConVErTIBlE

Stock #9700N Vin # 1C3BC2EG4BN613945

Stock #9369N Vin #2B3CJ4DG4BH511333

totaL $24,950

totaL $25,450

totaL $28,999

totaL $41,485

SaVeUp to

$10,315

Stock #9440N VIN #1D7RV1CT5BS572764

V-6V-6

Stock #9401N Vin #3D7UT2CL6BG586038

August 31 - Sept. 6, 2011 • lakespokaneOutpost.com • 3

If you have a community event that you would like to have listed, please call 467-3826 or email us at [email protected]

AUGUST 31LMS Open House6:00 pm - 8:00 pmSEPTEMBER 1

LHS Freshman Orientation & Open House

5:30 pm - 7:30 pmSEPTEMBER 6

First Day of SchoolNine Mile School District

SEPTEMBER 14Lake Spokane Association

MeetingLSE

6:30 pmSEPTEMBER 15

Library Board Meeting4:00 pm

Lake Spokane Pizza FactorySEPTEMBER 18

Round “about” 5KDeer Park Physical Therapy

www.roundabout5k.com for info.

Back Country Horsemenmeets the 3rd Thursday of the month Potluck 6:00 pm; Meeting 7:00 pm @ Williams Valley Grange Call Bob @ 276-6226 for infoClayton/Deer Park Historical Society meets the 2nd Saturday of the month - 9:00 am @ theClayton Drive-inClayton Grange #456 Pancake Breakfast meets the 3rd Sunday of the month – 8:00 am - $5.00 per personClayton Grange #456 Spaghetti Feed meets the 2nd Friday of the month - 5:00 pm - $7.00 per personDeer Park Chamber of Commerce meets the 3rd Tues-day of the month - 12:00 pm. Loca-tions TBA. Call 276-5900 for infoDepot Community Center Board Meeting meets the 2nd Tuesday of the month – 7:00pmFat Quarter Quilters meets Tuesdays at Faith Lutheran Church - 10:00 am Ford Senior Center Game Night meets the 4th Saturday of the month - 6:00 pmFord Senior Center Potluck every Wednesday 12:00 pmLake Spokane Chamber of

Commerce meets the 4th Thurs-day of every month – 12:00 pm @ Suncrest Pizza FactoryLake Spokane Garden Club meets the last Thursday of the month - 6:30 pm in September at Suncrest Family Worship Center Upper Bldg.Loon Lake Chamber of Com-merce meets the 2nd Tuesday of each month 6:00 pmParks & Rec. Commission meets the last Thursday of the month 7:00 pm @ Pizza Factory Springdale Senior Lunch Bunch every Wednesday 12:00 pm @ Depot Community CenterSpin Etc. every Monday 12:00 pm – 3:00 pm @ Williams Valley GrangeStorytime every Wednesday in July & August - 10:30 am @ Lake-side LibraryTum Tum Community Center meets the 1st Thursday of the month - 7:00 pmTum Tum Community Center Potluck Lunch every Tuesday 12:30 pmWilliams Valley GrangeMeeting the 2nd Saturday of the month - 10:00 am - coffee 2:00 pm - potluck & meeting

Clayton Market & Small Animal Exchange12:00 pm – 4:00 pm Sundays @ Clayton Fairgrounds Lake Spokane 9:00 am – 12:00 pm Saturdays – Jun 25 – Aug 28. Vendors neededMontfort School Community Center Wed. - Sat. 10:00 am - 6:00 pm 412 W. Crawford Ave., Year Round Springdale Sunday Market11:00 am – 4:00 pm July 10 – Aug 28. Vendors needed

Clayton Grange #456P.O. Box 294, Clayton WA 99110Grange Master & Hall Rental contact - Howard Richards - 951-6609Depot Community Center107 Shaffer Ave. Springdale, WA 99173 Information: 258-6956 or 991-0114Ford Senior Center Main Street Ford, WA 99013Tum Tum Community Center6424 Hwy. 291 Nine Mile Falls, WA 99034 Information & Rental contact - Sandy Stenson - 276-2398 Tum Tum Food Bank 276-2653Williams Valley GrangeSwenson & Casberg-Burroghs RdDeer Park, WA 99006Information & Rental: 466-3564

Community Centers

Farmers MarketsThis Week

Upcoming Events

Regular MeetingsCommunity

Tum Tum Community Center

6424 HWY 291 • 276-2398 tumtumcc.org

Community Potluck Tuesdays 12:30 pm

Everyone Welcome/Facility for Rent

Call for Scheduling & InformationPresident, Sandi Wakefield

Home for the Tum Tum Seniors, Public SCCAT Meetings, Food Bank, Our Lady of the Lake (Catholic Church), Seventh Day Adventist, and the Tum Tum Break-

fast Club

Williams Valley

Grange1911-2011

Sept. 102nd Saturday

Coffee Shop and Open HouseOpen to Everyone

Further information at www.wa-grange.org or at the Corner of Swenson & Casberg-Burroughs

Hall for Rent. Information:466-3564

Next Chamber MeetingSept. 22 12 Noon

Suncrest Pizza Factory

Speaker:TBA

lakespokane.com509-477-9074

Lake SpokaneSeventh Day Adventist

In order to better serve our customers (and not be at the mercy of the weather!), the Montfort Farmers Market will be relocating and opening as the Farmers Market. Starting on Thursday, Sept 1st, you will be able to enjoy even more ven-dors, produce, & products... indoors and year ‘round! We look forward to this new adventure and we greatly treasure your continued support.

Deer Park Farmers MarketOpen Wed. through Sat.

10 am - 6 pm412 W. Crawford Ave.

Deer Park (509) 879-1051

Thank YOU...For welcoming us

to the community, and honoring us with your trust!

Celebrating Our 1st Anniversary!

Dr. Jon Sok & StaffLake Spokane

Community Dental Clinic Community Dental Clinic

www.newhp.org EOE & Provider


Outpost5919D Hwy 291 Ste. #4

Nine Mile Falls, WA 99026(509) 467-3826

FAX (509) 850-3634www.lakespokaneoutpost.comAugust 31 - Sept. 6, 2011 •

Vol. 6, Issue 35

Ideas for [email protected]

Published by:Lake Spokane Media LLC.

Subscriptions are available at a rate of $30 for a year or $15 for 6 months. Subscriptions are delivered via United

States Postal Service.Display Advertising deadline is Friday

5:00 p.m.

Events and Classified Advertising deadline is Monday at 10:00 a.m.

Follow us on these Social Networks!

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Dana R. MichieEditor & [email protected]

Jana FarmerLayout & Production

[email protected]

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Chris EllisGreen Living [email protected]

Registered Nurse, Judith D. Per-sonett was selected by the National Council State Boards of Nursing as the re-cipient of the Excep-tional Contribution Award in Nursing. Presentation of the award took place at the Annual Delegate Assembly, NCSBN, of Nurse Regulators from the 50 States and Territories. Dr. Personett has served on the Washington State Nursing Care Quaity Assurance Commission, a guberna-torial appointment, for the past eight years and was elected by her peer commissioners as their chair for five terms.

Her contributions include the Washing-ton State Nursing Commission newsletter sent to the more than 100,000 nurses of Washington State; the Continuing Com-petency Program for nurses as well as cost containment programs such as paperless li-censes and videoconferencing of State wide business meetings.

Dr. Personett served as the Chief of the Nursing Service at the Spokane Veterans Administration Medical Center for more than seven years as part of her career in the

VA which included seven assignments in six different states. Prior to joining the VA, she served in various hospitals for more than 10 years. Following retire-ment from the VA, she served as Nurse Administrator at the Spokane County Jail.

She graduated as a nurse from St. Joseph’s Hospital in Fort Wayne, Indiana and continued her education by earn-ing her BSN from

DePaul,Chicago, an MA at Ball State and her doctorate from University of San Fran-cisco. She earned her certification as a Nurse Administrator Advanced in 1980, and later received Certification as a Professional in Quality Assurance and finally in Corrections Healthcare.

Dr. Personett lives in Nine Mile Falls where she reared her three children and now enjoys her grandchildren.

“To be the recipient of this National Award reflects the amazing opportunities that I have enjoyed during more than 50 years as a nurse. It is a wonderful profes-sion”, states Dr. Personett.

The Fine Arts Department of Bay 4, Spokane Interstate Fair, announces the un-veiling of an 8’x8’ mural. The piece con-sists of 64 12”x12” squares. The squares were created by local artists who donated their time to create this Mosaic Mural to raise money for the Fine Art Department at the fair. The mural squares were created in a variety of mediums, including Profes-sional, Nonprofessional, and Students; a wide range of ages are represented in this collaborative piece.

The proceeds will go the Fine Arts Department of Spokane Interstate Fair for art display systems. The mural will appear at 7:00pm, opening day of the Fair, Friday September 9, designated “Fine Arts Fri-day” and will stay on display throughout the Fair.

A silent on-line auction, hosted by Gallery of THUM at (thumstores.com), starts on Friday September 9th and runs through the entire month of September. To place a bid on the mural go to thumstores.com and click the link.

Art at the Interstate

Fair

Nine Mile Resident Wins National Award

Northview Bible Church13521 N. Mill Rd. Spokane 99208

(Close to Mead High School)

509-467-6014www.nbcspokane.org

Directors: Sally 509-263-4017Vicki 509-251-2277

Kindergarten Class AvailableSchool Starts September 12th

Celebrating 20 years of Quality Christian Preschool

and Kindergarten Education!Morning ProgramsThrees fours and �vesNondenominational


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Prosecutor’s Desk

Tim RasmussenStevens County Prosecuting Attorney

Every week or two, the Washington Association of Prosecuting Attorneys summarizes the cases that have been decided by the Appellate Courts that are of interest to prosecutors and others in the justice system. Here is a sampling of the recent decisions that affect the work the prosecutor’s office does. These summaries are published on the WAPA web-site:

Street Name. The trial court struck a reasonable balance by requiring law enforcement witnesses and counsel to refer to the defendant as “Michael” or “Mr. Rodriguez,” while allowing lay witnesses who knew the defendant as Little Evil to refer to him as “Little Evil”. State v. Rodriguez, COA No. 26283-9-III (Aug. 23, 2011).

Open Courts. The exclusion of one person is not a closure that violates the defendant’s public trial right but instead is an aspect of the court’s power to control the proceedings. The trial court judge did not abuse his discretion by removing the defendant’s four-year-old daughter from the courtroom because

the daughter’s ventilator was distracting and noisy. State v. Lormor, No. 84319-8 (Jul. 21, 2011).

Jury Selection. Const. Art. I, § 22 requires that a defendant who commits a crime in that portion of a city that lies within Snohomish County receive a jury that is selected solely from Snohomish County. City of Bothell v. Barnhart , No. 84907-2 (Jul. 28, 2011).

Domestic Violence. Evidence of the victim’s prior assaults on the defendant were admissible as proof of motive, absence of mistake or accident, and to assist the jury in assessing the credibility of a witness who is the victim of domestic violence at the hands of the defendant. State v. Baker, COA No. 64511-1-I (Apr. 25, 2011, publication ordered Jul. 25, 2011).

Offender Score. Probation or supervision on an out-of-state criminal conviction does not count in a Washington offender score calculation. State v. King, COA No. 28905-2-III (Jun. 14, 2011).

Larry GuentherStevens County District 1 Commissioner

County InformationSpeed SignsMany folks have expressed concerns

about speeding in several neighborhoods in Suncrest. Greenfield, Sagewood, Sun-cest Drive and Sunrise have been a source of frequent complaints. Shore Road between Suncrest Drive and Suncrest Park has been a perennial problem for the residents who live in that area.

Working with the Sheriff and Public Works Departments, a plan has been developed to eventually place three digi-tal speed signs in the area in hopes that

informing drivers of their speed will slow them down. The signs will flash when a vehicle’s speed exceeds the speed limit. The plan is to make these signs portable so that they can be moved to different locations when problem areas are identi-fied. You may see the first sign appear within the next couple months. The speed limit in all of Suncrest is 25 mph except Suncrest Drive which is 35 mph.

Sales Tax Sales Tax in Stevens County is cur-

rently 7.6%. Spokane County sales tax

is 8.7%. Residents need to be aware that if you have services provided by contrac-tors who come from Spokane County that you only need to pay 7.6%. If you have items shipped to your residence you need only to pay 7.6% tax. The tax differential between counties in many cases could be a huge savings. I know of a gentleman who purchased a Toyota truck in Colville and saved close to $500.00. Something to think about.

County HappeningsThursdays 9-5 at our location on Swenson Rd. just south of Prufer

Crosscut Rd. or �ve miles north of Suncrest. Watch for signs

Fridays 10-7 and Saturdays 10-4 in Deer Park on Main St. just north of Zip's

Peaches, Pears, Nectarines, Tomatoes, Watermelon,

Cantelope, Corn and more.

Tomatoes 25 lbs. $14.00, Peaches or Nectarines 20 lbs. $15.00, Pears 25 lbs. $12.00, Sweet Corn 60 ears $18.00.

Canning or Freezing?


2011 Clayton Community FairPhotos • Dana Michie

Front Page: Children watch the Stevens County Fire Protection District One Demonstrate a roll-over accident rescue. (Bottom image) Right: Jim & Katherine (Suncrest) in the show ring. Below: Volunteer Stevens County fire fight-ers demonstrate an emergency extrication.

Above: Madison and Nathaniel (Suncrest) won the Animal Hus-bandry award for Goats. Left: Ice cream con-test contestants work fervently to create a winner. Below: Clayton Royalty, 2012 Queen Kelly, 2012 Princess Rebecca, Princess Naomi, Royalty Advisor Karen Martino, 2011 Princess Amanda, 2011 Queen Deidra

Above: Fashion Review at the

pavilion


Stevens CountySheriff’s Report

Nine Mile Falls Tum Tum • Deer Park Clayton • Loon Lake

Springdale • Ford

Stevens County FireDistrict #1 Report

STRANGE BUT TRUEBy Samantha Weaver

Real Estate Loans

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8/22 Molest Moriah Dr.8/22 Dogs W. Shore Rd.8/22 Dogs N. Dawn Ct.8/23 Fire Brush Sunridge Ct.8/23 Susp Person Hwy 2918/23 Dogs Dover Rd.8/23 Traffic Acc N. Tamarac Ln.8/23 Traffic Acc N. Suncrest Dr.8/24 Assault Hwy 2918/24 DV Liberty Way8/25 PO Violation Moriah Dr.8/25 Alarm Cimmeron Ct.8/26 Dogs W. Suncrest Dr.8/26 Burglary Whispering Pines Way8/26 Info Unknown8/26 H911 Virgil Way8/26 Trespassing Virgil Way8/27 Missing N. Wylie Dr.8/27 Traffic Stop Hwy 2918/28 Fireworks Dirty Shame Saloon8/28 Traffic Hazard N. Sunrise Dr.8/28 PO Violation Moriah Dr.8/28 Traffic Stop Greenfield Rd.8/28 PO Violatoin W. Meadowview Ln.8/28 Theft W. Tamarac Ln.8/28 Threats W. Meadowview Ln.8/28 Traffic Sit Hwy 291Total Incidents for 99026-27 8/22 Wel Check Hwy 291Total Incidents for 99034-1 8/22 Theft Peggy Way8/23 Trespassing S. Swenson Rd.8/24 Traffic Stop S. Swenson Rd.8/24 Traffic Sit Casberg Burroughs Rd.8/25 Theft Scotts Valley Rd.8/25 Threats McAllister Rd.8/25 Traffic Stop S. Swenson Rd.8/25 Traffic Stop Glen Grove Staley 8/27 Custodial Int Sailor Rd.Total Incidents for 99006-9 8/23 Hulk Lincoln St.8/23 H911 Spokane St.8/23 Animal Prob Lincoln St.8/24 Susp Veh Gibson Dahl Rd.8/24 Atl Warrant Sub Mandingo Way8/25 Threats N. Swenson Rd.8/25 Traffic Stop Clayton Trlr Pk8/26 Shots Fired Williams Valley Rd.8/26 Unwanted Marcum Rd.8/26 Dogs Hwy 395 S8/27 Unwanted Railroad Ave.8/27 Disturbance Railroad Ave.Total Incidents for 99110-12 8/22 Traffic Acc Hwy 395 S8/22 Traffic Hazzard North Deer Lake Rd.

8/22 Drugs Makinaw Ave.8/22 Fire Vehicle Hwy 395 S8/22 Traffic Sit North Deer Lake Rd.8/22 Extra Patrol Powers Rd.8/22 Area Check Maple St.8/22 Traffic Stop Hwy 2928/23 Info W. Canyon Springs Way8/23 Harassment Mackinaw Ave.8/23 Traffic Sit Hwy 395 S8/24 Theft Garden Spot Rd.8/24 Traffic Stop Hwy 395 S8/24 Traffic Stop Hwy 395 S8/25 Burglary North Deer Lake Rd.8/25 Mal Mis Agar Rd.8/25 Custodial Int Pine St.8/25 Susp Veh Mackinaw Ave.8/25 Traffic Stop 3rd Ave.8/26 SV Colville Rd. 8/26 Expose Lake Shore Homes Rd.8/26 Traffic Sit Hwy 395 S8/26 H911 East Jumpoff Rd.8/27 Susp Person Garden Spot Rd.8/27 Dogs Hwy 395 S8/27 Stalking Hwy 2928/27 Disturbance East Deer Lake Rd.8/27 Harassment Hwy 395 S8/27 Traffic Sit Hwy 395 S8/27 Traffic Stop Hwy 395 S8/27 Traffic Stop Hwy 395 S8/27 Assault Larson Beach Rd.8/28 Missing Porter Rd.8/28 Citizen Dispute Shore Acres Rd.8/28 Info North Shore Dr.8/28 PO Violation Mackinaw Ave.8/28 Assist North Shore Dr.8/28 Threats Mackinaw Ave.8/28 Area Check Woodland Shores Dr.Total Incidents for 99148-43 8/23 Atl Warrant Sub Lyons Hill Rd.8/23 H911 W. Birch Ave.8/23 Harassment Springdale Hunters Rd.8/24 Theft Rail Canyon Rd.8/24 Harassment Springdale Hunters Rd.8/24 Threats Allen Rd.8/25 Sec Check Allen Rd.8/25 Traffic Stop Hwy 2928/26 Atl Warrant Sub Springdale Hunters Rd.8/26 Traffic Stop Hwy 2928/26 Atl Warrant Sub Springdale Hunters Rd.8/27 Threats Rail Canyon Rd.8/27 Subj Stop Hwy 2928/28 Mal Mis Luther Rd.Total Incidents for 99173-14 8/23 Info Hwy 2318/26 Water Lake Spokane 8/27 Traffic Sit Hwy 231Total Incidents for 99013-3

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Virtually any exercise that challenges your muscles, such as lifting weights, or using elastic materials such as tubes and bands, outdoor work, including gardening, mowing the lawn, raking, lift-ing rocks and moving soil around your yard are all considered a form of muscle strengthening activi-ties.

Ideally, when doing a resistance training program the goal is to work all the major muscle groups, such as your shoulders, chest and upper back, abs lower back, legs, hips and arms throughout the course of the week. One of the ways to do this is to do a full body routine three times a week. These sessions do not need to last more than 50 to 55 minutes.

If you are over 65 years of age, then consider following these recommendations:

Primarily, you must avoid inactivity. Staying active keeps your brain and body engaged with life. Without this activity, both mind and body lose their ability to function correctly.

If you are inactive, then begin any type of exer-cise routine slowly. Gradually build your tolerance up to exercise and you will soon begin to derive the

benefits of being active.If you have any the above-mentioned chronic

conditions, don’t give up because there is always something that you can do that will help your con-dition. Remember, a little bit of activity is better than no activity. Therefore, be as active as you can, considering your present physical condition.

Don’t forget to include balance training exer-cises with your strength training; you will reduce your chances of falling, which can be a major blow, as you get older, to your overall health. You don’t need to go to the gym to do the balance training; you can do a lot of it at home.

Start out standing next to the sink and raising one leg, you can walk normally or sideways, being careful at the same time. You can increase your lower body strength by sitting down and then stand-ing up five to fifteen times from your chair.

Staying active is not a passive endeavor. You have to put forth the effort and the effort you put into it will be repaid with better physical health By Danny M. O’Dell, MA. CSCS*D

DANNY O’DELLMA. CSCS, *D

How Much Activity Do You Need 2

explosivelyfit.comThe Outpost newspaper and it’s staff do not necessarily agree with or support the opinion of its columnists. You may correspond with the correspondents at the email addresses or visit www.lakespokaneoutpost.com/opinion

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Submitted • Nancy Glover-Berry

Have you ever wondered about all those ads you see for a “No Cost Loan?”

If you call the lender advertising such a loan you will likely elicit a pitch that goes something like this - “the benefit of the no cost loan is that when rates go down another ¼% you can just refinance again!”

Sounds great but it’s an empty premise, and not based upon any sound financial analysis.

I do know of at least one person that benefits greatly from this type of loan – the loan originator and the lender they work for. This is a great way for the loan origina-tor to churn their client pipeline easily and profitably, earning commissions on your loan each time rates trickle down a smid-gen.

Any time I see a scheme that has questionable value for the consumer and a financial advantage to the lending company I get concerned.

A no cost loan might, in fact, be the best option for you. But that can only be determined after a detailed conversation about your financial situation, and how long you think you’ll keep the new loan. If you only plan on keeping the new loan 3-5 years, it may very well be best if you chose a loan with as little cost as possible.

Make no mistake - there is no such thing as a No Cost loan. The mortgage originators, loan processors, Underwrit-ers, and other employees need to be paid. There’s office rent and utilities to be cov-ered. Then you have all the other service providers like the appraisal company, the

title and escrow companies. There’s no way they are providing their product and service for “no cost.”

Lenders will typically cover their internal overhead by charging an Origi-nation Fee (a percentage of the amount you borrow), or as a flat fee. The flat fee will typically be labeled as an Underwrit-ing Fee, a Doc Preparation Fee, or Admin Fee.

Property valuation reports are pro-duced by independent appraisers – they

are not employees of the lender – and appraisal costs can run anywhere from about $400 to $600.

The Title and Escrow companies collect fees that are on a sliding scale based upon how much money you borrow. The fees increase as your loan amount increases. That makes it difficult to provide a range in an article like this, but typical fees would be in the $1,000 to $1,200 range for refinancing a $200,000 loan. If you are buying a home the fees will be a little higher because there is an additional title policy required.

Just a very rough estimate is that there is $2,000 to $3,000 in real costs in EVERY home loan – and that’s ignoring

the wage expense of the lender’s employ-ees.

So how does a lender get away with advertising a “No Cost Loan?”

In a “no cost” loan scenario the lender is covering the costs by charging you a higher interest rate for the life of the loan. This might be a very good deal for you in the first couple of years, but if you keep the loan long enough the higher interest rate eventually erodes all the ben-efit of not having to pay costs up front.

It’s interesting to see this strategy employed when inter-est rates are at historic lows like now – how much lower can rates go, and wouldn’t the consumer be better off paying the costs and locking in the lowest rate now?

Don’t let a lender “sell” you a program – have them analyze your specific needs

and then ask them to provide 2-3 differ-ent loan options so you have all the facts so you can make an informed decision.

Michael has 20 years’ experience in the lending industry. In that time he’s di-rectly helped over 1,400 families finance the purchase of a new home or refinance an existing loan to a lower interest rate. Rebecca has a CPA background in audit-ing financial institutions which brings an incredible resource to First Priority Financial. Together they are licensed to help families in the states of WA and CA. If you, or anyone you know, needs help with a home loan call 509-252-9151 or send an email to [email protected].

Mortgage MattersBy Michael Mullin

Michael and Rebecca Mullin, Your Mortgage

Consulting Team

The Outpost newspaper and its staff do not necessarily agree with or support the opinion of its columnists. You may correspond with the authors at the email addresses or visit www.lakespokaneoutpost.com/opinion

Trend for 30-Year Fixed RatesWeek of08/25/11Avg RateAvg Fees & Points

CurrentWeek4.16% 0.70%

LastWeek4.09% 0.70%

30Days4.48% 0.80%

LastYear4.28% 0.80 %

Data providing via Freddie Mac Primary Mortgage Market Survey®

“No Cost Loan,” A Real Benefit Or A Costly Mistake?

468-8387

We will be closed Monday, September 5th

in recognition of Labor Day

Enjoy your holiday!

indiantrailanimalclinic.vetsuite.com

DUKE

“Your Pet’s Second Best Friend”

Indian Trail Animal Clinic

9027 Indian Trail Rd. Spokane WA 99208

Phone 509.468.8182Cell 509.953.6503Fax 509.468.8193

LIC#BUNKESB955BE5605 N. Market St

PO Box 48287 • Spokane WA. 99228

RANDY BUNDAYOwner

www.bunkerbuildings.comemail: [email protected]

A Division of Bunker Steel Buildings, Inc.

This public service announcement is sponsored by Lake Spokane Media, Inc

(509)879-4504

Lic#-WOLLC**015LA

New ConstructionRemodeling & Repair10+ Yrs. Spokane & Stevens Co.Kitchen & Bath Custom CabinetsHardwood, Tile, & Vinyl

Kevan Woll

17010 N. Tamarac LaneNine Mile Falls, Wa 9026

(509) [email protected]

TODD J. EMERSON P.L.S.Licenced in Washington & Idaho


Political HumorDana R. MichieEditor / [email protected]

Editor’s Desk ...

This last weekend I had a great time at the Clayton Community Fair. Since it’s ground-breaking ceremony, the Outpost newspaper has been involved with the fair. Not only do we pro-mote this annual event, we also have a booth near the gate. It was very enjoyable to speak to so many of our readers over the three-day event. I re-ally appreciate your ideas and feedback. It was also nice to receive so many compliments about our publications, Green Liv-

ing Monthly and the Out-post. It was good to see so many people from the Nine Mile area attend and participate in the fair.

Thank you again for your continued support. Please patronize our advertisers, as it is their advertising that makes this publication possible. If you have any ideas for articles or would like to advertise your business, please give us a call or send us an email. Outpost Newspaper 467-3826 / [email protected].

Clayton Community Fair

“I do not agree with what you have to say, but I’ll defend to the death your right to say it.” Voltaire

In the grand scheme of the cosmos, especially with all that’s going wrong in our nation, isn’t there something more important to gripe about than sign changes? As I recall, there were public meetings held about this exact topic, and the majority ruled.

Greenfield’s always been an expressway, where very few slow for any sign, and a simple solution is for law enforcement to be visible on weekends and at the end of the high school day. I understand that budgetary concerns might not allow for babysitters to grown people who should have enough consideration for others to drive safely, but if LE makes themselves known around Suncrest, a LOT of things might change ~ including the pesty traffic offenders.

Let’s move on to something important, like the lack of education our kids are get-ting.

Tish PopeSuncrest

RETAIL SPACE AVAILABLE

CALL: DON MORSE 993-8286

Retail space available at the Plaza @ Suncrest. 2500 Square feet or may divide to 1250 Square feet. Formerly Sundance Child Devel-opement Center.

Stevens County Fire District # 1’s Training division is looking for vehicles for extrication training. “HELP US HELP U”

For more information contact our district office at (509)-262-9660.

Fire Chief Mike Bucy

Donate Your Old Car

Move On


Lost and Found Ads are FREE

EARN EXTRA CASH! Clean out your basement, closet attic or garage and sell those unwanted items. Place your ad with

us today at 509-467-3826

If you are reading this ad, you know classified advertising works! Let us show you how to earn extra $$. Call us today to place an ad and talk to

one of our friendly sales reps! 467-3826

Become a Lake Spokane Media/

Outpost fan!

509-467-3826 www.lakespokaneoutpost.complace your ad • browse by listing • search by keywords

WHERE LOCAL BUYERS AND SELLERS MEET IN PRINT AND ONLINE!

Deadline: Monday NOON

CLASSiFiEDSOutpost

Congratulations to Tom and Ellie Farrell on the birth of their son Jackson Willis Farrell.

Please send your Hi5 to:[email protected].

Do you feel like some one or deserves a Hi-5? This is your opportunity to tell an organi-zation or someone that you appreciate them.

A big thank you to Suzy Michie & Torrey Reichwald who constantly go above and beyond with care, conscientiousness, and dedica-tion to the Suncrest Pizza Factory. We want to thank both from the bottom of our hearts. Would be hard to do it without them.

Rentals

Condos & Townhouses

Lake Front Condo with Dock SpaceLarge 2 bed 2 bath with Lake View

Includes 2 car garage, water and sewer$995.00

6696 Highway 291Cheryl Wagner 509-276-2175

PMP Property Management PartnersSpokaneRentalPartners.com

Houses for Rent

Log Home 2 bd 1 ba with Garage$795.00

6543 Pine Lodge WayCheryl Wagner509-276-2175

PMP Property Management Partmers

SpokaneRentalPartners.com

Merchandise

Musical

For SaleLudwig Snare Drum & Bells Set

Includes all sticks, stands and practice pad along with roller bag, gently used

$200.00 cashThis is the same set Hoffman Music sells/

rents to Nine Mile Falls/Lake Spokane students.

Call 509-879-8366

Transportation

Autos-Used

2000 GMC Jimmy for SaleV6...101k miles

4WD,AC,PS AM/FM/CD/CASS

Tow bar Cloth seats...2DR Tan color $5500

Call 276-7284

Recreational Vehicles

Boats

Boat & Trailer for SaleBayliner 1600 Capri

16’ Open Bow. W90HSP-OBVery Clean, Low Hours

See and drive at Long Lake465-1964

Any reasonable offer considered.

Educational Services

Classes/Seminars

Yoga ClassesOpen House Free Sample Classes:

9/7 and 9/8 at 6pm; Early Fall Session starts 9/12, see www.zogayoga.net for class times and fees or pick up a flyer at Zoga – a yoga studio: 5998 Hwy 291, next to the Auto Parts store in

Suncrest.

Home Services

Cleaning Services

HOUSE CLEANING!Experienced residential house & window

cleaning.Weekly, Bi-Weekly, Monthly.

Very Affordable.Licensed

Call Debbie AtSparkling Clean

276-7726

Announcements

Lost

LOST Boxer/American Staffordshire Ter-rier mix. Brindle coloring. If found please

call 847-4014.

Lost Small Black Female Cat, last seen Wednesday August 24th, Lakeside

middle school area. If found please call 487-0927.


Service DirectoryReach up to 13,800* readers per week for as low as $10** per issue!

Jerrys SMall Trades•Repair•Replace•Finish•Install•Carpentry•Plumbing

•Drywall•Fixtures•Fans•Fencing•Hauling•Tile

Lic Bond Ins JERRYST945QC466-2454

Handyman

Available Computers

SCCAT

Auto Detailing

This Space Could

Be Yours

Available

* The national average for readers per copy is 2.3 (NAA Facts about Newspapers 2003) ** A single square with a 1 year consecutive commitment.

Boat Rentals

Available

Available

Investments Repair

Landscaping

Plumbing

Suncrest Plumbing and Heating, LLC

Service, Repair & InstallationCall Mark

509-276-3232-or 509-720-6505

Suncrestplumbing.com

Available

Small Engine Repair

315-8570

•Snow Blowers, •Lawn mowers etc.•We pick up and deliver

Jim Teyema

16219 N. Saddlewood

SuncrestAvailable

Spring Creek Landscape &

IrrigationSpecializing in repairs

Light excavation999-4694

Painting

Insurance

Duplications

Available

VHS8mmFilm

Transfer to DVD

Call 467-3826 for rates

Space Available

This Space Could

Be Yours468-7507

DaycareWiggles & Giggles

Daycare & PreschoolLicensed • State Pay35 Years ExperienceAges 2 years & up

468-2418

Outpost Advertising is very

Cost-effective Call today!

467-3826

Long Lake Boat Rentals

Free Delivery

multi-day discounts!

Wakeboard, Skis and Tubes

Included FREE!www.Lake-Escapes.net

953-1042

Vacuum

This Space Could

Be Yours

Call Shane @509-953-1042

American Detail

Daniel - 981-9681

Hand Wash & WaxClean inside -n- out

Cars, Trucks and More!We come to you.

Member

Snowblower Ready?

Space Available

Lois NagelDirector of Sales

PHONE


1. Is the book of Labour in the Old or New Testament or neither?2. From Ecclesiastes 4:9, how many are better than one because they have a good reward for their labour? Two, Three, Five, Seven 3. In 1 Kings 5:13-14, how many thousand men comprised the labor force that King Solomon raised? 1, 5, 10, 304. From Exodus 20:9, how many days shalt thou labour and do all thy work? Two, Four, Six, Seven5. What son of Abda was in charge of the forced labor in David’s kingdom? Baal, Adoniram, Cyrenius, Phaneul6. From Proverbs 14:23, “In all labour there is ...”? Love, Hope, Light, Profit ANSWERS: 1) Neither; 2) Two; 3) 30; 4) Six; 5) Adoniram; 6) Profit

Contact Wilson Casey at [email protected]

(c) 2011 King Features Synd., Inc.

BIBLE TRIVIAby Wilson Casey

50% OFF EXPIRES 2/28/10 NON-COMMERCIAL ADS ONLY

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NORTHERNQUE ST.COM 8 7 7. 8 7 1 . 6 7 7 2 S POK ANE WA E N T E R P R I S E O F T H E K A L I S P E L T R I B E O F I N D I A N S

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