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New Braunfels Herald-Zeitung (Newspaper) - February 24, 1987, New Braunfels, Texas Model students New Texas February Pages First Baptist Church youth spent part of their weekend standing around looking The group was raising funds for camps and retreats sponsored by the Youth Ministry of First The students posed as livestill models at Jacob Schmidt Willis Town n Travel The Just Me and Bealls Department Col ette Cadenhead and Walter Heywood model CocaCola fashions in the window at Jacob Business sponsors in cluded Texas Commerce Tom American Cary Nelson Jim Cook Witting and Miller Sonic DriveIn and Bennie LESLIE Photographer Insurance rates rise following board action AUSTIN AP Here are automobile insurance average by as approved Monday by the State Board of These sample rates are for coverage including in bodily in property damage liability and personal injury The changes are calculated for a 1986 lowtomedium priced car that is driven to work but not used for business and with no male driver under 25 and no female driver under Current rates are shown in paren theses up percent up 6 percent up percent up percent up percent El up percent up percent percent up per cent up percent percent up percent up percent Tom up percent up percent up per cent up per cent up percent up per cent percent up percent up up percent up percent up per cent Fort up per cent up percent up 4 per cent up percent up percent percent up percent up percent up percent up percent up percent up per cent up percent Jim San up Jim up percent up percent Val up percent down l percent down percent up percent Up 9 Palo Red San San Van Up Col Ed Live San Up Coll Deaf Hem Jeff Up State senators pushing for mortgage equity legislation AUSTIN AP Legislative spon sors of a bill to allow second mor tgages say it would free up home equity for Texans to spend on other But a consumer spokeswoman says it would give banks another chance to The proposed constitional change would give Texans the same options now enjoyed by residents of the other 49 two senators said Every other state in the except allows homeowners to borrow against their equity to pay for said Cyndi RSan cosponsor of a bill to permit such Joining her was Bob who said the bill in cludes solid protection for con If voters approve a constitutional amendment to permit the bill would allow savings and mortgage companies and some other lenders to make loans on some of the equity a homeowner has built up in his An absolute limit of 80 percent of the appraised value of the house would apply to all and bor rowers would be required to retain an unencumbered equity above all Glasgow Home equity loans couldnt be made unless a house had an apprais ed value of at least and if a person is 65 at the time of a there could not be a foreclosure until both spouses he Glasgow said that the which has yet to find a House has met with some opposition from both bankers and consumer he said he believed lenders would support the But Rebecca spokeswoman for the Texas Con sumer said the proposal raises many It is cause for questions when the banks are telling the people of Texas they want to do us a she The problem with this bill is its billed as allowing people to do what they want to with the equity of their But the bottom line this is a way for the banks to get peoples she Lightsey noted that outof state banks won the right in the last legislative session to take over Texas and she said this is another in road for those outofstate institu Its curious that this session as soon as the interstate banks come in to Texas that we see the banks get ting involved in It looks like its not just Texas banks that want our homes but its the New York banks as Krier said that besides free ing up money for homeowners to put to other second mortgages would pump needed new cash into the states battered It is estimated that a home equity bill such as this will pump at least billion annually into the Texas there is roughly billion to billion of untapped equity in Texas homes which could be unleashed as capital to fuel new investment in our she Krier also noted that under the new federal tax interest payments on second mortgages would be while interest on other types of consumer loans Speaker No special session AUSTIN AP Texas House members will finish work on the state budget before the regular session Speaker Gib Lewis says firmly Despite talk of a special session or two alter the HKHiay regular session Lewis said Monday he is pass ing the word that the June l endof session deadline will be There is no other he I thtak well have to get out of here before the end of the legislative year because I dont think we can afford to go into a special I dont tnJuok our cash LewfctoW state Treasurer Am Richards has said state checks could bounce in the summer if lawmakers do not solve the budget crisis before The House Appropriations Com mittee plans to get a proposed state budget to the floor in early ac cording to the Tax bill talk will be delayed until the spending bill is be Id rather pass the spending bill because once we do that well know where we stand as far revenue is Lewis I Just think we need to go We need to know the importance of finishing our work w There could be mm complications which I hope we do not but theres always that I just think its imperative that we do complete our he Im saying were not going to have a special Lewis told Saralee spokeswoman for Bill said senators also want to get the budget problem solved during the regular I think theres been a feeling all along that they should move as quick ly as possible on the Senate side on an appropriations even though it might mean working longer days just to get it she Theres Just not any real reason to delay Everyone knows what the pro blems Tiede The local dally newspaper tn Impor tant part In all our From the the young those who are middle ag ed and Into the senior we must con cern ourselves with the events of the as well as the state and city In which we We need to know If war Is If the stock market what the status of our national dept Is and how our federal tones are being spent and We need to know how our state govern ment Is being run and how our state money Is being We need to know how our city Is faring In the depressed How our utility rates may be Increased and how our local tan dollars are being We want to know where we can go for enteratalnment and we want to enioy the right to agree or disagree with We enjoy the right to send letters to the editor stating our opinions on subjects that concern We enioy reading about the sports from our favorite schools and the pros as Wt want Montage the television and entertainment magazine on Sunday mor We enjoy reading about out Meads and neighbors and ourselves in the We all enjoy the special sections that come out several times a year the Wurstfest the Chamber of Com merce annual the bridal the fixup the football the special section on the fair and the annual Progress The advertlsments displayed In the newspaper show us were to go for the best buys In furniture and any other Items we want or Coupons In the newspaper help us sa ve money With the possible Increase In local and state the GrammRudman and the unlikelihood of cost of living those on fixed Income such as senior cttlrtns need to know what Is going If there ever was a time the senior citizens of our city needed discount It Is uowl at the want til cltltens of our fair city to be as well Inform ed as so we have decided to offer a senior cltlxen I year tax Included 6 months tax Included 6259144
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