The West News (West, Tex.), Vol. 100, No. 12, Ed. 1 Thursday, March 22, 1990 Page: 4 of 12
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Page 4
The West News - March 22,1990
tyw Arrivals
Clint Nathan Chudej
Clint Nathan Chudej arrived at Hillcrest Baptist Medical Center on
January 22,1990 at 2:20 p.m.
He weighed seven pounds eight ounces and was 19 1/2 inches long.
He was welcomed into the world by his sister Amber Marie and his parents
Janet and Kenny of Rt. 1, Elm Mott.
His grandparents are Dolores Otto and the late Hugo Otto, Jr. of Rt. 2, West
and Bernard and Betty Chudej of West.
His great-grandparents are Adele and Vince Chudej of West and Agnes
Straten of Tours.
f Thank You 1
We would like to express our gratitude to every-
one that helped in any way to make our trip to
New York possible. It was a wonderful experi-
ence and one we will always remember.
ST. MARY'S BOYS BASKETBALL TEAM
* COACH FRAN A RATO
AND PARENTS
Premium finance loans can cause
misunderstanding for consumers
Williams - Hutyra
SondraL. Williams and Charles C. Hutyra are engaged and plan a 1:30 p.m.
ceremony April 28 at St. Martin's Catholic Church in Tours.
The bride-elect is the daughter of Mr. and Mrs. Harlan L. W illiams of West.
The prospective groom is the son of Mr. and Mrs. Emil J. Hutyra of Tours.
The bride-elect attended West High School. She graduated from TST1 with
a degree in Marketing and is currently employed at a price coordinator for
Beards - Malone - Hyde in Waco.
Hutyra attended West High School. He is a twelve year active veteran of
301st Communication Squadron at Carswell A.F.B., Texas, a member of the
Southwest Football Officials Association; member of Am vets Post 41 Bell-
mead, and West Knights of Columbus Council #2305. He is vice-president of
Catholic Life Fraternal Branch #4 Tours - West.
Philip Michael Tobola
Dr. and Mrs. David Tobola of Bartlesville, Oklahoma are the proud parents
of a baby boy bom March 17,1990. Philip Michael weighed seven pounds 13
ounces and was bom at Jane Phillips Memorial Medical Center Bartlesville,
Ok.
Grandparents are: Mr. and Mrs. Ray Mack of Houston, and Mrs. Jimmie
Tobola and the late Jimmie Tobola of West.
Great-grandparents are Ethan Turley of Conroe and Gertrude Mack of Clear
Water, Florida.
Aimee Nicole Gullett
Connie and Tom G ullett are proud to announce the arrival of their daughter,
Aimee Nicole Gullett, March 19,1990 in Sherman, Texas.
She weighed seven pounds 14 ounces and was 19 1/2 inches long.
She was welcomed home by her brother Jesse.
Grandparents are Aubrey and Jerrie Griffin of West and Laymon and Anna
Mae Gullett of Dennison. Great-grandmother is Belle Griffin of West.
For half a million Texans
each year, buying insurance also
means taking out a loan to pay their
premium. These “premium finance
agreements” can result in consumer
confusion, particularly in the event
of policy cancellation or loan de-
fault.
THE LENDER: Al-
though the paperwork on a loan from
a premium finance company can be
filled out at the same time you talk to
your agent about insurance, the two
transactions are separate. Your loan
agreement is with a licensed pre-
mium finance company, not an in-
surance company. Some insurers,
however, offer monthly or quarterly
payment plans at considerably less
cost than a premium finance com-
pany.
COLLATERAL: The
only collateral that can be required
by a premium finance company is
the “unearned premium” of the in-
surance policy. Theconsumergives
the premium finance company the
right to any premiums that are due
backif thepolicy iscancelled for any
reason.
INTEREST RATES:
Maximum interest rates are set by
the Texas Legislature. Criteria for
establishing rate brackets are pub-
lished in the Texas Credit Code.
Interest rates vary according to the
size and duration of the loan. For
instance, annual interest on a loan of
$340 might be as high as 89 percent.
Smaller loans could have a much
higher rate. Because premium fi-
nance agreements are a form of con-
sumer loan, the agreements are sub-
ject to federal truth-in-lending and
Texas Credit Code laws.
CANCELLATION OF
THEPOLICY: A debt created by a
loan agreement with a premium fi-
nance company is not terminated
when an insurance policy is
cancelled. The consumer remains
obligated to repay the loan. Linder
normal conditions, the collateral
(the “unearned premium”), is suffi-
cient to pay off the loan. When the
unearned premium is received from
the insurance company, the pre-
mium finance company will use it to
nay the loan balance. If there is any
excess premium after the loan is paid
off, it must be refunded to the con-
sumer. However, if the insurance
company fails to return the unearned
premium or the company becomes
insolvent, the consumer is respon-
sible for repaying the loan.
LOAN DEFAULT: If the
consumer stops paying on the pre-
mium finance loan, the insurance
policy financed by the loan will be
cancelled. The interest on the loan
continues to accrue, however, until
the premium finance company gets
the unearned premium from the in-
surance company. The unearned
premium must include any unearned
commission from the agent. Ileither
the company or the agent arc slow to
remit to the premium finance com-
pany, the consumer s debt contin ues
to grow.
REINSTATEMENT OF
A POLICY: A premium finance
company cannot reinstate an insur-
ance policy that has been cancelled
because of a policyholder’s loan de-
fault - even though the loan pay-
ments have been brought up to date.
It is a common practice for a pre-
mium finance company to ask an
insurer to reinstate a cancelled pol-
icy. However, reinstatement of 'h
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As with most homeowners, you
probably only think about your
water heater when you wonder why
there’s no hot water for your shower,
or on the day it has flooded the floor.
When it comes time to replace your
water heater, consider one of today’s
new electric water heaters. They
offer features that insure a long life
and an economical supply of hot
water, according to the Edison Elec-
tric Institute, the association of
investor-owned electric utilities.
Begin shopping for a new electric
water heater by comparing how
much built-in insulation they offer.
Although a well-insulated water
heater generally costs more than one
with minimal insulation, you'll be
saving money in the long run by
reducing the amount of electricity it
uses to keep the water hot.
Also be sure to compare federal
Energyguide labels on electric water
heaters before you choose one. This
label will tell you what the unit’s esti-
mated annual energy cost is. Again,
even though a high-efficient electric
water heater does cost more than an
inefficient one, over its life, you’ll be
paid back through lower electric bils.
After you’ve found an electric
water heater that’s built to save you
money, be sure you buy one that’s
sized right for your family’s hot-
water needs. A water heater that’s
too big, will cost you money keeping
an excess amount of water hot.
With a new electric water heater,
you can choose from a variety of
shapes and sizes. And an electric
water heater, unlike a gas water
heater, doesn't require the installa-
tion of expensive gas pipelines, or
flues; therefore, it costs less to install
it closer to the rooms where yob
need hot water—either upstairs or
down, or at one end of the house or
the other. The result: less water is
wasted going down the drain, while
you wait for it lo get hot, and less
energy is wasted heating water that
will only end up in a pipeline
between a faucet and a distant water
heater.
There's also a water heater that
features something no other water
heater—gas or electric—can offer: a
non-metallic tank. Sold through the
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the Survivor label, this electric water
heater is warranted not to leak for as
long as you own your home. And if
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early tank leaking, you’ll find this
feature to be especially cost effective.
Overall, a new energy-efficient
electric water heater is the long-term,
smart choice for clean, quiet, and
economical hot water.
Knapek Reunion
The annual Knapek Reunion will be from 11 a.m. - 5 p.m. April 29 at
Cottonwood Hall. Those attending are asked to bring a pastry and a card table.
The noon meal will be catered. Bring something for the auction.
For more information call Ruby Sykora at 753-8317.
Do YOU break out in
a cold sweat at the thought of
preparing your income tax?
Let PEGGY HILL
Make It Easy For You!
call 826-5330
West Bank & Trust Annex
policy is at the option of the insur-
ance company.
If you have questions about
your rights under a premium finance
agreement, call the State Board of
Insurance Premium Finance Office
(512/322-4265) or write to the fol-
lowing address:
Premium Finance Division 014-8
State Board of Insurance
1110 San Jacinto Blvd.
Austin, Texas 78701-1998
(This column is distributed by the
State Board of Insurance as a service
to Texas consumers. For further in-
formation call 1-800-252-3439.)
Property tax
rule change
benefits farmers
(AUSTIN)--“A recent rule change
by the State Property Board’s Special
Committee on Agricultural Land
Appraisal comes as a breath of fresh air
to thousands of Texas farmers and
ranchers who are already burdened
with a mountain of bureaucratic red
tape,” Agriculture Commissioner Jim
Hightower has said.
"This committee has chosen to do
the right thing by adopting a rule which
forbids tax appraisers from requiring
landowners to submit personal income
information in order to qualify their
land for an agricultural property tax
exemption.” Hightower said.
“As a result of this new rule, most
producers will only need to send a
written sworn statement to their local
tax assessor to ensure their property is
taxed according to its agricultural
productivity, as opposed to its market
value. Prior to the committee’s rule
change, many of Texas’ 165,000 family
farmers and ranchers were required to
provide their income tax returns,
income statements, lease agreements,
and other personal information to the
local chief appraiser to receive the
agricultural exemption. This appraisal
status ensures that farm and ranch
property is taxed at its agricultural
value and not at some inflated
commercial land value,” Hightower
said.
The Special Committee on Agricul-
tural Land Appraisal reports to the
State Property Tax Board whose
membership includes appointees of the
governor, the state agriculture
commissioner, the state comptroller,
the attorney general, and the general
land commissioner. Hightower’s
designee on the committee, Deputy
State Agriculture Commissioner Mike
Moeller, made the motion to adopt the
new rule which eliminated the
requirement of income tax returns and
other personal financial data for
appraisal applications. The motion was
approved unanimously by the com-
mittee.
The new rule states that a tax
appraiser may only request information
needed to determine whether land
qualifies for an agricultural exemption.
The tax appraiser must also inform
applicants that income tax returns and
other personal financial information
are not required to qualify for the
agricultural appraisal on their farm or
ranchland.
Mrs. Francis Carrillo
formerly Kim Barton
Francis Carrillo and Kim Barton
exchange wedding vows in Austin
Francis Carrillo and Kim Barton
were united in marriage during a 2:30
p.m. March 17,1990 wedding cere-
mony at the St. Theresa Catholic
Church in Austin.
The bride is the daughter of Pat and
Jeanette Barton of Austin. Her grand-
parents are Ms. Cecelia Piscacek and
Mr. and Mrs. Johnnie Uptmore, all of
West
The groom's parents are Cliff and
Dorothy Carrillo of San Marcos.
Following the wedding, the couple
were honored with a dinner and dance
at Pfluger Hall.
Both the bride and groom are
University of Texas graduates and the
groom is a consultant for Andersen
Consulting.
Following a honeymoon to Ja-
maica and Belize, the couple will live
in Dallas.
Card of Thanks
We wish to acknowledge with sincere thanks and appreciation
the kind expressions of sympathy extended to us by our relatives
and friends during the death of our beloved father, grandfather,
and brother,
Frank J. Skerik, Sr.
who died, March 5,1990.
We extend Special thanks to Dr. George Smith and the staff at
West Community Hospital, Msgr. Doskocil for saying the rosary,
Father Karasek for Mass, the staff of Kotch Funeral Home, the
choir, organist and pallbearers.
Also to everyone who gave food, flowers, Mass offerings, memo-
rials and cards. Thanks also to those that attended the rosary and
funeral. May God bless each and everyone.
Johnny Skerik (son)
Bobby Skerik (son)
Frankie Skerik, Jr. (son)
Laura Skerik (daughter-in-law)
John Skerik (brother)
Helen Soukup (sister)
Rose Urban (sister)
Mary Dirba (sister)
Cassie Skerik (granddaughter)
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Knapek, Larry. The West News (West, Tex.), Vol. 100, No. 12, Ed. 1 Thursday, March 22, 1990, newspaper, March 22, 1990; West, Texas. (https://texashistory.unt.edu/ark:/67531/metapth716526/m1/4/?rotate=90: accessed July 11, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting West Public Library.