Is a Credit Counseling Service Right for You?

By Greg Abbott

Attorney General of Texas

Good credit is an essential aspect of life in today’s world. Your credit history shows how responsible you have been in paying your bills. It helps determine the amount of credit available to you as well as the interest rate you will pay.

Unfortunately, we are not always able to maintain a good credit rating due to hardship, such as unemployment. As a result, an increasing number of consumers are turning to credit counseling agencies for assistance. What is credit counseling? Credit counseling is advice offered by a non-profit or for-profit organization that is designed to get you out of debt, often with the aid of a debt repayment plan.

Typical debt repayment plans require you to make a monthly deposit to the credit counseling agency, which will then pay off your creditors according to a payment schedule set by your credit counselor. Bear in mind that as part of the repayment plan, you may have to agree not to apply for or use new credit while you are participating in the program.

When considering whether to use a credit counseling service, ask for an estimate of how long the repayment plan will take. The majority of successful plans require you to make regular payments for at least 48 months. Be sure to find out exactly how much money each service will cost you. Payment costs and requirements vary widely from agency to agency.

Some credit counseling agencies are free or charge a small amount for credit management, while others charge a monthly fee that can add up over time. Be aware that some credit counseling agencies are funded partly by creditors. While a debt repayment plan can reduce the stress associated with dealing with your creditors, you must remain an active participant in your repayment plan. You are responsible for reviewing your monthly statements from your creditors to verify that they have been paid and that other provisions of your plan have been satisfied. You are also responsible for paying debts not included in the repayment plan.

Participating in a repayment plan will not erase your bad credit. Accurate negative information about your credit history can stay in your credit file for up to seven years. In addition, your creditors will report information on accounts that are in the credit management process, which may lower your credit score in the short run.

Debt repayment plans usually only cover unsecured debt. Your car loan and home mortgage are considered secured debts and might not be included. You will have to continue to make payments directly to these creditors. The reason these kinds of loans are considered secured is that a vehicle can be repossessed or your home foreclosed on if payments are not made. If you are experiencing difficulty in making your car or house payment, contact the creditor immediately.

Consumers should also be careful when considering loan consolidation as a way to pay off creditors. Some companies claim they can guarantee a loan for a fee paid in advance. The fee may be as much as several hundred dollars. If someone guarantees or strongly suggests that they can get a loan or credit for you, remember that it’s against the law for them to request or accept payment until you actually get the loan or credit. Legitimate lenders never guarantee or imply that you are likely to get a loan or credit card before you apply, especially if you have bad credit, no credit or a bankruptcy on your record.

Credit counseling services can provide a means for consumers to get out of debt, but they are not for everyone. You should understand that a debt repayment plan is a methodical, long-term solution to debt management. The only way to ensure having good credit in the future is to be diligent in paying bills and debts today.

Are Left Wing Activists Monitoring Sermons in YOUR Church?

As Pastor Ronnie Floyd of the First Baptist Church of Springdale, Arkansas
went about his preparations for his July 4th sermon, he had no idea
he would soon be the center of a national controversy.

On the occasion of our country’s birthday, he planned to encourage his flock to participate in the upcoming elections. Little did he know that, on this particular Sunday, not everyone in the pews would be a member of his congregation.

Among the usual churchgoers was a member of an ultra liberal organization called Americans United for Separation of Church and State (AU). After the sermon, tape in hand, this left wing activist group filed a complaint with the IRS hoping to cause the church to lose its tax-exempt status.

The Pastor’s crime? According to the complaint filed by Americans United, "...Bush is shown signing a ban on late-term abortions, an act most church members will laud, while Kerry is shown as one of a group of senators who opposed a law banning same-sex marriage, a stand most church members will likely oppose." Americans United wants the IRS to punish the First Baptist Church of Springdale because most of the congregation is Pro-Life and Pro-Family!

Why was the First Baptist Church of Springdale singled out among the thousands of churches holding services the same day? According to Americans United, "The church is known for its stands on social issues and its opposition to legal abortion and gay rights." So there it is. If your church is Pro-Life or against the radical homosexual agenda you run the risk of being ‘ turned into the Internal Revenue Service.

Will extremists from the Pro-Abortion Movement or those pushing for Homosexual Marriage be targeting your pastor and your congregation for intimidation? We can only stop the harassment of Houses of Worship by radical activists if we band together and make our voices heard!

Join with us in supporting Rep Walter Jones’ (R-NC) effort to pass the "Houses of Worship Free Speech Restoration Act". This common sense bill would protect churches and their pastors from the kinds of vicious legal attacks launched by Americans United and other radical left wing groups.

The Act would, "...amend the Internal Revenue Code of 1986 to protect the religious free exercise and free speech rights of churches and other houses of worship." This would stop Pro-Abortion activists and supporters of the radical Homosexual agenda from using the IRS Code to silence the Pro-Family movement. The bill currently has 168 cosponsors in the United States House of Representatives.

Roberta (Bert) Carnley

State President 2004-2005

Roberta (Bert) Carnley joined the Ladies Auxiliary to the Veterans of Foreign Wars 2494 in Irving, Texas in July of 1978. She originally joined on her deceased husband Larry W. Bollick.

In January of 1991 Roberta changed her eligibility to her husband C. Wayne Carnley a veteran of the Vietnam War. Wayne served with the 85th Evac Hospital in Vietnam from September of 1965 to October of 1966. Wayne is the current Sr. Vice Commander for VFW Post 2494 in Irving, Texas and is a Past District 3 Commander.

Roberta has held all offices in her Auxiliary except Trustee, serving as President in 1980-81 and 1988-89. She is the current Treasurer and has held that office for past nine years. In 1993-94, Roberta was the District 3 President. After leaving the District chairs Roberta was a Department Chairman for 8 years bringing home 4 National Outstanding Plates for the Department of Texas.

Roberta is retired from Xerox Corporation after 20 years of service. She has 2 daughters, 5 grandchildren and 2 great-grandchildren. Roberta was born and raised in Kansas on a working farm ranch. Her mother who is life member of Auxiliary 2494 still lives in Eureka. She has 1 brother and 1 adopted sister. Her nephew Frank is currently serving with the Army in Afghanistan. Roberta’s daughter, granddaughters, and 5 sister-in-laws all belong to the Ladies Auxiliary 2494. Her great-grand daughter is a member of the Jr. Girls 2494.

By making her theme for the year 2004-2005 "MAKE A DIFFERENCE BY UNITY AS ONE", she hopes to help Veterans and their families lead a better way of life. Her desire is that everything will be "HOT IN TEXAS". Her cancer pins are a "RED HOT CHILI PEPPER AND A MOUSE". Texas will serve through "SYMPHONY OF SERVICE" to the continue making a difference for our Veterans.

Old Time Gospel Singing

Featuring Lloyd Robertson with the Fay and Homer Fairchild band consisting of Jesse and Jake Throneberry and Billy Keys at the First Church of the Nazarene located on the Lake Bonham Rd. FM 273, on Saturday night August 14th at 7:00 pm.

Special guests will be Grandpa’s Neighbors from Bennington, OK. This group is well known in the area. They consist of a mother and 4 daughters. You will receive a blessing hearing this group sing.

Free admission, open concession and free coffee. Everyone Welcome

Thanks again for your continued support. May God bless you.

Bonham High School Class of ‘74 Reunion

Local Group Assists Families During Trying Times

It is frightening to discover that your child has a condition that may require special adaptations whether it is physical, emotional or educational. Although you can’t be certain about your child’s future, you can be assured that there are people out there who have been through similar situations and would like to share with you the information they have found to help you deal with the possibilities. The Arc can, and will, provide you with resources to empower you by providing information and support to help you through this frightening and frustrating time.

The Arc can assist you in finding more information on your child’s condition and link you to others who have been down the road before you.

The Arc of Texoma is the local chapter of a national organization devoted to providing support and services for people with mental retardation and related disabilities and their families. Membership consists of consumers, family members and professionals in Grayson, Fannin and Cooke counties interested in enriching the lives of people with mental retardation and developmental disabilities Meetings are held monthly on the second Monday at noon. The Arc of Texoma will have their monthly meeting on Monday August 9 from 12 to 1 pm at Texoma Council of Governments, 1117 Gallagher in Sherman. For more information contact Kim Rice at 903-813-3561 or krice@texoma.cog.tx.us, or visit http://TheArc.org/

Hometown Military News

Air Force Airman Dale R. King has graduated from basic military training at Lackland Air Force Base, San Antonio, Texas.

During the six weeks of training, the airman studied the Air Force mission, organization, and military customs and courtesies; performed drill and ceremony marches, and received physical training, rifle marksmanship, field training exercises, and special training in human relations.

In addition, airmen who complete basic training earn credits toward an associate degree through the Community College of the Air Force.

King is the grandson of Farris King of N.W. Highway 11, Leonard, Texas, and the nephew of Steven King of Bonham, Texas.

He is a 2003 graduate of Bonham High School.

Jonathan V. Sry has graduated from the Army ROTC (Reserve Officers’ Training Corps) Leader’s Training Course at Fort Knox, Ky. The camp is a four-week leadership internship for cadets who are normally between their sophomore and junior college years. College students experience and examine the Army without incurring an obligation to serve in the Army or ROTC, and are eligible to receive two-year college scholarship offers and attend the ROTC Advanced Course at their college.

The Army observes and evaluates cadets to determine their officer potential, leadership abilities and skills, while cadets are trained to have a sound understanding of traditional leadership values. The training develops well-disciplined, highly motivated, physically conditioned students, and helps improve the cadets’ self-confidence, initiative, leadership potential, and collective team cohesion. The cadets receive training in fundamental military skills, rifle marksmanship, small arms tactics, weapons training, drill and ceremonies communications, and squad-level operations field training.

The cadet is a student at the University of Texas, Austin.

Sry is the son of Deborah Sry of Bailey, Texas, and Tanu Sry of Meadow Woods Circle, Princeton, Texas.

In 2001, he graduated from McKinney High School, Texas.

Aug. 16 Deadline Approaches for Extension Filers

WASHINGTON - Most taxpayers already have filed their tax year 2003 federal income tax returns. But for almost 8.5 million taxpayers who opted for the automatic extension of time to file, the deadline is August 16.

The IRS reminds extension filers that e-filing remains available. So far this year, more than 60 million returns have been e-filed.

"Why not e-file? More than 60 million Americans already have," said IRS Commissioner Mark W. Everson. "No matter what time of the year, e-filing is the fastest, safest, easiest way to do taxes. There are fewer errors, and taxpayers get their refunds in less than half the time of paper returns."

The Internal Revenue Service reminds taxpayers with extensions to file their returns by August 16 to avoid the late filing penalty, which is 5 percent per month of the unpaid tax. Help may be available, however, for people who cannot file by August 16.

Taxpayers with special circumstances, such as a hardship, that prevent them from preparing and filing their tax forms by August 16 may request an additional two-month extension by completing Form 2688, giving them until October 15 to file their income tax returns. These taxpayers will be granted an extension of time to file even if they cannot send in payment of outstanding 2003 taxes with the extension request.

Taxpayers granted the additional time to file will not be penalized for late payment of tax if they pay the balance of their 2003 tax when they file the tax return by October 15, provided 90 percent of their total tax was paid by April 15. However they will owe interest on any taxes not paid by April 15.

To request the additional time to file, taxpayers must file Form 2688 with the IRS by August 16. Form 2688 is available on the IRS Web site, IRS.gov. Form 2688 can be filed electronically or mailed to the IRS.

The IRS expects to receive more than 3 million Forms 2688 during 2004.

To e-file, taxpayers can use tax preparation software on their own computers or file electronically through an authorized e-file provider. Both options offer taxpayers security and accuracy in filing their returns as well as faster refunds. Taxpayers may continue to take advantage of electronic filing and the Free File program until October 15. Free File enables qualifying taxpayers to e-file for free; 3.48 million taxpayers have used Free File to e-file their tax returns this year.

Once taxpayers have filed their tax returns, they can use the "Where’s My Refund" feature on IRS.gov to check the status of their refund checks.

TSA Congratulates Ball/Soccer Teams

On behalf of TSA, I would like to say Congratulations to all of the teams that played this past ball/soccer season. I hope all the players had a good time. Thank you for playing with TSA. Way to Go on the players/teams that made "AllStars" and the boys 13/14yr made it to "State Play-Off" for Dixie. TSA is Proud of you. This past season was my last year with TSA as of now. It is time for some of you parents that have kids playing ball/soccer with TSA to come and be apart of the Trenton Sports Assoc. I have enjoyed the past 2yrs. It has been alot of hard work but, I have to say it was well worth it for the kids of our community! I would do it again in a heart beat. Please take part and help with the kids and let’s keep them busy and off the streets and give them a good place to come and play ball/soccer. Thank you to all of you who have helped me over the past 2yrs and Thank You to all those who have sponsored our kids. Meeting is Friday, Aug. 13, 7p.m. for nominations/voting of new board members at the Methodist church/subject to change locations. Trisha Bradshaw

National Society of High School Scholars

Mendy Ivey from Ivanhoe and a student at Sam Rayburn High School has recently been selected for membership in THE NATIONAL SOCIETY OF HIGH SCHOOL SCHOLARS. The Society invites only those students who have superior academic achievement and are among the top scholars in the nation. The announcement was made by NSHSS Honorary Chair Claes Nobel, a senior member of the Nobel Prize Family. Mendy will be a Junior at Sam Rayburn and Co-Captain of the cheerleading squad.

The National Society of High School Scholars was founded to recognize outstanding academic performance among high school students. Membership is by invitation only and includes valuable benefits for members such as scholarships, networking, events, publications, and other unique opportunities. As members prepare for college, the Society encourages them to continue to strive for excellence in all their future endeavors.

"I congratulate Mendy on this outstanding achievement and applaud the commitment to academic excellence," says Mr. Nobel. "The hard work and success of these exceptional young people will ensure a future generation dedicated to their communities, their families, and world betterment."

Congratulations Mendy Ivey !

Kids Helping Kids: Methodist Youth Help At The Children’s Center

Youth from the First United Methodist Church of Bonham assembled 140 bags of school supplies at the Fannin County Children’s Center. Using lists form area schools, the teens filled sacks with the supplies to be given away later this week.

Families needing supplies can go to the Children’s Center on Aug 5, 6 or 13 from 9-11 a.m. and 2-5 p.m to sign up and receive their supplies. Parents or other caregivers should bring each child’s social security card and some proof of need, such as a Medicaid card, food stamps or pay stub.

The Children’s Center is still accepting donations for their annual school supply drive. Last year 402 children received supplies and organizers expect to serve more this year. Donations of cash or actual supplies are both welcomed. The Center is a non-profit organization, so all donations are tax deductible to the extent allowable by law. Contributions can be mailed or brought to the Center at 112 West Fifth Street in Bonham. For more information, call (903) 583-4339 or visit www.fanninccc.org .

2004-2005 Sam Rayburn Varsity Cheerleaders

The Sam Rayburn Varsity cheerleaders for 2004-2005 have just completed their summer UCA Camp. They would like to introduce themselves to you.  Shonda Rushing- Senior Captain, UCA Cheerleader, Jayden Floyd- Sophomore

 Mendy Ivey- Junior Co-Captain, Ashley Amlin- Sophomore, Kacie Rice- Freshmen, Jacey Jones- Freshmen, Kassie Fuller- Sophomore,

Sarah Eberle- Sponsor, Keith McCain- Mascot, Not Pictured- Chelsea Havens

These young ladies were presented with a SUPERIOR TROPHY at summer camp. They also received 3 superior Ribbons for their Extreme Routine, Cheers, and Overall cheer camp. There were also 5 individual awards given.

Muscle Man, Jump off, Top Cheerleader- Ashley Amlin,

All-Star Cheerleader- Mendy Ivey (She is eligible to compete in cheer competition in London England in December)

Dance Diva- Kacie Rice

Partner Duet- Ashley Amlin & Kassie Fuller

Superior Mascot- Keith McCain

These Cheerleaders/Mascot worked very hard and will represent Sam Rayburn School this next year. Come and support these young people as they cheer their fellow athletes on to victory during bsketball season. "Go Rebel cheerleaders"

Back-to-school Eye Exams Deserve An A-plus

HOUSTON – (Aug. 2, 2004) – Back to school essentials: pens, pencils, erasures, and…eye exams?

"Many elementary schools provide routine eye examinations, and as long as they are done correctly, they are a sufficient way to detect vision problems," says Dr. Evelyn Paysse, an associate professor of ophthalmology at Baylor College of Medicine (BCM) in Houston. "These examinations check for a certain level of visual acuity based on a child’s age. For example, literate children are tested with lettered vision charts, while younger children are tested with picture charts."

In between eye examinations, parents can monitor their child’s eye health by detecting problematic symptoms. According to Paysse, also a pediatric ophthalmologist at Texas Children’s Hospital, the following are common indicators of eye disorders:

* Drooping of an eyelid.

* Intermittent or constant drifting of one or both eyes.

* Involuntary movement of the eyes.

* Misalignment of the eyes.

* Squinting of one or both eyes.

* Staring closely at visual material.

If parents suspect their child has an eye disorder, they should discuss their concerns with their primary care physician who can perform a vision and eye health screening. If any abnormalities are found, an appointment with an eye care specialist for diagnosis and treatment options should be made.

"If an eye problem is left untreated, permanent vision loss can develop," says Paysse.

Top 10% Rule May Be Re-Evaluated

In 1996, the federal 5th Circuit Court of Appeals ruled that colleges could no longer use race as a consideration in their admissions decisions, ending what is commonly known as affirmative action at these institutions. In an effort to ensure diversity among students at colleges and universities in Texas, the Texas Legislature reacted the following year by passing House Bill 588. This bill created what we know as the Top 10% rule.

Under the Top 10% rule, students who graduate in the top ten percent of their Texas public or private high school are eligible for automatic admission to any public university in Texas. There are some additional requirements on the students such as submitting a timely admission application and enrolling within two years of graduating from high school. Schools may still require test scores from tests such as the SAT or ACT, but the scores are not used for admission purposes.

This law has come under increased scrutiny in the last few years. More than 70% of freshmen entering the University of Texas are admitted under the Top 10% rule. However, last month, the Supreme Court ruled that schools can once again consider race when looking at applicants. Some say this brings the necessity of the Top 10% rule into question. Accordingly, it is quite possible that during the next legislative session, the legislature could consider repealing or modifying the Top 10% law. Such a proposition obviously has supporters and opponents.

Supporters of the Top 10% rule say that the law continues to serve its purpose of diversifying higher education institutions in Texas. They say that the law is allowing students from all over the state to attend the state’s top universities. They fear that without the law, schools like the University of Texas and Texas A&M would only draw students from large metropolitan areas like Houston and Dallas. Further, supporters argue that students admitted under the Top 10% rule statistically do as well in college as the rest of the students.

Opponents of the rule, however, argue that the rule was instituted as a reaction to the court ruling which outlawed the consideration of race. Now that the Supreme Court has allowed the practice, there is no longer a need for the Top 10% rule. They argue that the rule is not fair because it does not take into consideration any factors other than class rank. According to these opponents, one must consider the competitiveness of the high schools and that many students are being left out of the automatic admission provision who are more academically qualified than some students who do qualify. For example, a student at a less academically competitive school may graduate with a 92 average and still be in the top ten percent of their class, while a student at a more academically competitive or larger school may graduate with a 97 average and not be in the top ten percent of their class. Opponents of the rule say that other meaningful criteria such as curricula, test scores, extra-curricular activities and writing samples should play a larger role in ensuring fair admissions practices.

What Can You Do to Help Critter Corner?

Dear Volunteers & Supporters,

Critter Corner has been open almost 2 years now. During these past 2 years we have accomplished a lot of things including the remarkable fact that we are fast approaching having taken in and re-homed nearly 300 dogs & cats. (Every dog or cat placed via Critter Corner is spay/neutered, and has current shots & rabies vaccination. If the animal is too young, the new owner receives a certificate for later use.)

Friends of Fannin County Critters operates Critter Corner every day with 100% volunteer power.

Without volunteers there could be no Critter Corner. It is volunteers that do:

Kennel duty, cat room duty, store duty, laundry, fund-raising, aluminum can collection, write thank-you notes, take pictures, and a dozen other just as important jobs that keep Critter Corner running.

Volunteers are absolutely the most valuable asset, and without dedicated volunteers, Critter Corner Could Not Stay Open.

During the past year or so, there has been a core group of volunteers that are consistently going above and beyond in finding time and energy for Critter Corner. These volunteers are amazing because of their willingness to work so hard and so often as a volunteer on behalf of Critter Corner and those dogs & cats we strive to help.

Sometimes those who work the hardest on behalf of Critter Corner find themselves burning the candle at both ends and struggling to juggle family, job, life, and obligations while fitting in their volunteer work.

When a volunteer finds they are consistently overwhelmed, then they need to be able to step back and take a break or reduce their load.

In order for volunteers to be able to take that break there must be other volunteers ready & able to take on more than what they have been doing or to learn different volunteer jobs. (Cross-training keeps things interesting and can reduce burn out.)

It is time for those of us who have meant to volunteer more, and just haven’t got around to it or haven’t been trained yet for a particular volunteer duty, to step up and make a difference for Critter Corner.

If you already doing Kennel Duty or Store Duty, then stop by Critter Corner and add your name to the schedule or call Critter Corner during the open hours and have them add your name to an open day.

If you need training, we will arrange training by pairing you up with someone experienced or create a group training day.

If you can volunteer in any capacity and you need more information or training then just email ffccritters@yahoo.com. Someone will get back to you and work something out.

If you want to help, then we will find a way for you to be able to help.

Friends of Fannin County Critters consists of people who work hard to make a difference for those dogs & cats that we can help by operating Critter Corner. We help one animal at a time and it is done by one person at a time. Each person makes a difference!

Critter Corner needs Volunteers & Supporters.

What Can You Do to Help?

Please Be Involved ... In Order For Us To Evolve

Nearly three years later, the images, sounds and emotions are still as clear as the cloudless sky that September morning. It was the wake up call that came too late. September 11^th opened the world’s eyes and last week the 9-11 Commission opened our minds.

After 2.5 million pages of documents and over 1,200 individual interviews, the 9-11 Commission issued a final report on our security shortcomings before September 11, 2001. No one will dispute that we were unprepared for the terrorist attacks, but the Commission’s findings help pinpoint our weaknesses, and assert that September 11^th was a "failure of policy, management, capability and, above all, a failure of imagination."

No single step would have prevented this horrible day, but there were some missed opportunities to intervene. For example, the government did not discover false statements on visa applications, recognize fake or manipulated passports, nor did they require a thorough screening of airline passengers. The arrest of Zacarias Moussaoui, who was "interested in flight training for the purpose of using airplanes as a terrorist act," was not linked to heightened indications of an attack.

The bi-partisan Commission found that our failures took place over many years and administrations, and that no one individual was responsible for these attacks. As your U.S. Senator I have worked judiciously since 9/11 to make sure we are never caught off guard again.

As the Commission reminds us, we are safer today than we were on September 11^th, but we are not safe. Their recommendations provide us the opportunity to re-evaluate our homeland defense three years after the horrific attacks. Above all the vice chairman called for a need of unity within the government and within the world. The report recommends that we integrate all the elements of national power: diplomacy, intelligence, covert action, law enforcement, economic policy, foreign aid, homeland defense and military strength. Another overriding theme was that the U.S. must continue the dialogue between the West and the Islamic worlds along with sustaining a coalition of nations that cooperate bilaterally and multilaterally. To successfully implement these proposals, the Commission recommended a national counterterrorism center, and, at the top, one national director to unify the entire intelligence community. This would require major changes to the federal government and is an idea that deserves serious consideration by both the Administration and Congress.

It is important to remember, however, that over the course of the last three years we’ve made great strides to secure our people and our nation. We have implemented a new policy on terrorism by holding to account terrorist groups and the states that sponsor them. No longer will we allow dangerous threats to gather overseas unchecked.

We have transformed the FBI into an agency focused on preventing terrorist attacks through intelligence collection and other efforts. The PATRIOT ACT was adopted to give law enforcement the capability to pursue terrorists, considering the technology now used for communication.

We conducted the largest reorganization of the federal government since 1947 by creating the Department of Homeland Security, bringing unparalleled focus and resources to defending our homeland.

One area in which I have been particularly active is increasing aviation security. From my role as Chair of the Senate Aviation Subcommittee, I worked to pass air security legislation that ensured security screeners have uniform qualifications and standards, placed air marshals on flights and provided bomb detection machines in airports, among other safeguards. To better protect other transportation systems on our borders and in our ports we are providing much greater support for America’s first responders – nearly tripling spending on homeland security since 2001.

And we have killed or captured a majority of al Qaeda’s leadership, toppled the Taliban, which gave al Qaeda sanctuary, and liberated the people of both Afghanistan and Iraq from two ruthless regimes with well-established records of supporting terrorists.

Yet, we know our job is not over. As the 9-11 Commission declared; this is the end of the beginning, the threat is still real and we do not have the "luxury of time." If there is one thing to learn from both that clear September morning and this comprehensive report, it is that we must be eternally vigilant in defending our freedoms. Our efforts in the war on terror have been successful. Our nation and world are safer today than they were three years ago, but our job is far from over. We will stay the course, we will win the war on terror and freedom will prevail.

Allyson Arnall Becomes A Senior Youth Finalist

Allyson Arnall, 14 year old daughter of John and Joy Arnall of Bonham, rode the family’s quarter horse stallion, "Hootchy Kootchy Man" to become a senior youth finalist at the National Cutting Horse Association’s Summer Spectacular at the Will Rogers Coliseum in Fort Worth on July 12. Allyson, who will be a sophomore at Bonham High School in the fall, also competes at weekend shows in the area. She attributes her success to her dad, a cutting horse trainer for Alexander Cutting Horses, who put her on her first horse at age 3. Her efforts in Ft. Worth were rewarded with a scholarship, as well as other prizes.

Trenton ISD Menu For August 2004

August 16th: Breakfast- Pancake on Stick or Cereal & Toast, Juice, Milk

Lunch- Pizza, Corn Salad Peaches, Milk

August 17th: Breakfast- Biscuit/ Sausage, Juice, Milk

Lunch- Chicken Nuggets, Macaroni & Cheese, Peas & Carrots, Fruit Cocktail, Milk

August 18th: Breakfast- Ham/ Cheese Breakfast Bar, Juice Milk

Lunch- Ravioli, Salad, Green Beans, Cookies, Milk

August 19th: Breakfast- Cereal, Toast, Juice, Milk

Lunch- Burrito, Salad, Spanish Rice, Pineapple, Milk

August 20th: Breakfast- French Toast Sticks, Juice, Milk

Lunch- Hamburgers/Trimmings, French Fries, Frozen Fruit Bars, Milk

August 23rd: Breakfast- Pancakes, Bacon, Juice, Milk

Lunch- BBQ Sandwiches, Pickle Spears, Pork & Beans, Carrot Sticks/Ranch Dressing, Jello, Milk

August 24th: Breakfast- Biscuit/ Sausage, Juice, Milk

Lunch- Sliced Turkey/Gravy, Creamed Potatoes, Green Peas, Peaches, Milk

August 26th: Breakfast- Scrambled Eggs, Toast, Juice, Milk

Lunch- Taco Boats/Trimmings, Refried Beans, Applesauce, Milk

August 27th: Breakfast- Yogurt or Cereal, Toast, Juice, Milk

Lunch- Hamburgers/Trimmings, French Fries, Frozen Fruit Bars, Milk

August 30th: Breakfast- French Toast Sticks, Juice, Milk

Lunch- Chili Dogs, Potato Salad, Ranch Style Beans, Fruit, Milk

August 31: Breakfast- Biscuit/Sausage, Juice, Milk

Lunch- Pizza, Salad, Corn, Fruit, Milk

Community Emergency Response Teams (CERT) Class Number 2

In the advent of an emergency situation either in your family or a large scale event in Fannin County would you know how to protect and save yourself or your loved ones? Do you have a few hours a week to volunteer and learn how to prepare for such a need.

In the wake of September II terrorist attacks on America, thousands of Americans responded by volunteering their talents and skills to help others. Many more Americans asked "What can I do to Help?"

Fannin County has been awarded grants to establish two new volunteer groups within the county to help in times of crises. These two groups of Volunteers will supplement the existing emergency services throughout the coming years.

The groups meet once a week for a approximate eight week course. This training will better prepare individuals and the group to protect and help not only your family but also to protect and give help to the citizens of the county.

These groups will be trained in first aid, light search and rescue and other areas. The training will be provided by the Fannin County Office of Emergency Management and other emergency service instructors, and the American Red Cross.

Each individual upon completion of the required training will be issued special equipment to use during the time of emergency.

These groups are open to any citizen of Fannin County and surrounding areas, that are willing to commit to the training and the ability to respond to an emergency situation.

The kick off meeting will be held on August 10^th at 7pm at the South Annex 210 S. Main Street, Bonham. The two volunteer groups will be explained in detail and membership applications will be accepted at that time. A special guest will be speaking about these opportunities at this meeting. Space is limited in Class number 2.

For more information contact Clint Wagstaff Fannin County Emergency Management

Coordinator, 903-640-8484 or email fcmcem@cableone.net

Clint Wagstaffff

Fannin County Emergency Management Coordinator

"Emergency management working with you"

National Night Out Turn Out Successful

By Timothy La Vergne II

The Bonham Police Department would like to say "Thank You" to everyone who made the National Night Out a very successful event. This year National Night Out was held at the VA Recreational Park. This community event was also dedicated to our veterans and those serving in the military. Even though the weather was in the high 90’s, that didn’t stop people from coming out and celebrating the 21^st Anniversary of National Night Out. Public Safety personnel from the Bonham Police, Bonham Fire & Rescue, Bonham EMS, CERT, and Highway Patrol were present. With concern about the heat, the Bonham Police brought tubs of bottled water to cool everyone down.

Special thanks to the safety mascots Red E. Fox and Sparky the Fire Dog, Scout Troop #52, American Red Cross, Texas National Guard, VFW Ladies Auxiliary, Fannin County Crisis Center, Citizens Police Academy Alumni, and Sam Rayburn VA Center for coming out and celebrating National Night Out with the community. Entertainment was provided by Red River Theatre Band and other individuals. Neighbors met with their fellow neighbors and talked about ways to make Bonham a safer community. The Bonham PD once again provided free hot dogs and cold drinks.

Once again the City of Bonham’s community came together; it is estimated that there were about 300 people present. National Night Out is meant for neighbors across the United States to get together and help stop crime in their community. This event doesn’t stop on August 3rd, it goes on year round by neighbors united together to help the public safety officials by keeping their families and neighborhoods safe from criminals. Just remember that the police department is not your enemy they are here to keep your community safe.

"What can I do after National Night Out" is over?

• Start a neighborhood tradition -- Fourth of July block party, summer pool party, etc.

• Start a Neighborhood Watch program

• Learn about local police agencies around your town

• And always think SAFETY first in everything you do!

Red River Theatre Company and Windom School Memorial Foundation Make Plans for Old Windom School

Together, the Red River Theatre Company and the Windom School Memorial Foundation are making grand plans to convert their historic Old Windom School into the most impressive cultural center in Fannin County.

An account has already been established at the Fannin Bank in Windom for the Old Windom School Building Fund with several tax deductible contributions of $100 deposited by local individuals who appreciate the effort by both organizations to preserve the nostalgic ambience of the old school and to once again see it live as a valued friend in the community. The first 100 donors of $100 to the building fund beginning July 25, 2004, will be permanently recognized on a placard placed in a prominent place at the school.

The immediate need for the upgrading of the old school facility is expansion of the stage to accommodate full scale productions. It will be necessary to complete that stage expansion prior to the September rehearsals for RRTC’s inaugural production of William Easley’s Hopalong Cassidy "Meets the Ghost Riders" scheduled for performance the last two weekends in October. This will be the premier stage production of the old fashion western play which includes original music and songs, also written by William Easley. Auditions are August 30 and 31st at the RRTC offices at 201 E. 5th Street, upstairs behind The Eye Center.

Immediately following the Hopalong production, RRTC will go into auditions and rehearsals for the widely beloved multi-generational play, "The Best Christmas Pageant Ever" scheduled for the first weekend in December. Shortly following that holiday season production, RRTC will audition and begin rehearsals for "Driving Miss Daisy" for their first play of 2005 in the auditorium-turned-theatre. Two Neil Simon comedies and one drama are also on the agenda for calendar year 2005.

A Senior Readers Theatre will be inaugurated early in 2005 in which actors read and pantomime stories for the audience in costume. The RRTC Youth Theatre Council will produce at least one full production of interest to teens each season year. As a public service offered by the nonprofit Red River Theatre Company, Inc., the stage and theatre is available to local individuals, groups and guest artists and performers throughout the year for an ‘at cost’ fee for the use of the facility.

Plans for the use of the auditorium also include the re-production of some of the plays staged by the drama students of the old Windom School throughout its 63 year service to the community as a public school. Efforts are being made to call in those same students who acted then to once again perform in the same stage plays, this time as adults playing the adult characters.

In addition to the regular season of live stage plays and musicals, the Red River Theatre Company will be able to stage special holiday events in the auditorium throughout the year when air conditioning and heating equipment can be secured and installed. Handicap accommodations to the second-story theatre are limited to stairway access only until a grant or gift can be obtained to purchase and install a handicap elevator or lift.

The first fund raiser to benefit the Old Windom School Building Fund, a homemade ice cream social, will be held by the Windom School Memorial Foundation on Saturday, August 21^st at the Pavilion in Windom. Anyone who wishes to bring their ice cream freezer filled with their favorite old family recipe for homemade ice cream should contact Debbie Vest at Fannin Bank in Windom or at 903-623-3691. Music entertainment for the ice cream social will be provided by Rick Massey Productions. There is no fee for entering your homemade ice cream for distribution to and judging by attendees. Attendance is free, but donations of any amount to the Old Windom School Building Fund will be greatly appreciated.

Public Service Announcement

If you missed this meeting you missed Congressman Ralph Hall at his very best. THE FANNIN COUNTY REPUBLICAN PARTY hosted a Pot Luck dinner with over 125 in attendance at the August 2^nd event at the Elizabeth May Room in Bonham, TX. Chairman Joe Ward stated, "This was our largest and most enthusiastic crowd at a monthly event. It just keeps getting bigger and better. The Republican’s positive and uplifting message is being heard throughout Fannin County and the response has been overwhelming". In addition to Congressman Hall the audience was blessed with the messages of our Senator Bob Deuell and our State Representative Larry Phillips.

Along with the great food and homemade desserts other important announcements were made. The Literary Awareness Chairman Sandra Ward showed the "Stepping Up To The Platform 2004" video and plans were discussed for the viewing and distribution of the video. There is a new website that has been created for the Fannin County Republicans and can be viewed by all at FCRepublicans.org. This is a comprehensive website with information on both local and national issues.

The meeting concluded with our local candidates speaking to the crowd: Lauri Blake, candidate for 336^th District Judge: Richard Glaser, County Attorney: Bob Cherenko, Sheriff: and Lynn Gibbs, County Commissioner Precinct 3.

These meetings are open to anyone interested in the political future of our county and nation. FAITH, FAMILY AND COUNTRY!

Bonham SNAP Center Menu

Chicken Fried Steak/Gravy, Whipped Potatoes, Turnip Greens, Cornbread, Scalloped Apples, Milk

Turkey Salad, Pasta Salad, Marinated Green Beans, Bread, Cake, Milk

BBQ Chicken, Red Beans, Coleslaw, Cornbread, Rice, Milk

Roast Beef/Gravy, English Peas, Copper Carrots, Bread, Peach Cobbler, Milk

Hamburgers, Texas Potatoes, Lettuce, Tomatoes, Onions, Pickles, Buns, Spiced Pineapple, Milk

Grand Jury Cases July 28, 2004

Brian Henry Barnes of Bonham, age 41, EVADING DET W/ MV; Aubrey Lee Cates of Windom, age 35, UNAUTHORIZED USE OF VEHICLE; Toby James Cox of Bonham, age 42, DWI 3RD BTR; James Williams Elmore of Little Elm, age 21, FAIL TO COMPLY W/ SEXOFF REG PR; Ricky D. Gibson JR. of Bonham, age 23, MAN DEL CS; Richard Allen Hancock of Kaufman, age 53, AGG ROBBERY; Jason Lane Kreitel JR. of Waurika, age 19, AGG SEX ASLT OF A CHILD; Sandra Kay Lewis of Bonham, age 34, INJURY TO A CHILD FV; Stacy Parfiat of Wolfe City, age 26, POSS CS; Marty Dwayne Preston of Bonham, age 19, BURG OF HAB; Keith Ray Sill of Ladonia, age 45, AGG ASSULT W/ DEADLY WEAPON; David Dale Stoetzel of Trenton, age 52, FAIL TO COMPLY W/ SEX OFF REG PR; David Dale Stoetzel of Trenton, age 52, HINDERING SECURED CREDITOR; Joseph Allen Suter JR. of Bonham, age 44, FAIL TO COMPLY W/ SEX OFF REG PR; Russell Bryan WIlliamson fo Bonham, age 35, OBT. CS BY FRAUD; David Anthony of Anna, age 42, DWI BTR W/ CHILD; Cheryle Lynn James of Windom, age 42, ABANDON ENDANGER OF A CHILD; Tamara Denise Maples of Ravenna, age 33, POSS FRAUDULENT ID INFO; James Bradford Smoot of Ravenna, age 77, DWI W/ CHILD U/15; Joshua N. Alexander of Bonham,age 19, BURG OF HAB; Gregg Coldiron of Bonham, age 53, THEFT O/1500; Justin Gammmons of Ivanhoe, age 23, DWI 3RD; Cal Earl Hutcherson of Leonard, age 44, AGG ASSAULT CAUSINg SBI; Christopher K. Thompson of Bonham, age 19, BURG OF A HAB; Robert D. Allen of Honey Grove, age 27, CRIMINAL MISCHIEF; Albert W. Gilbert, of Honey Grove age 43, STALKING; Audryan D. McGee of Honey Grove, age 19, CRIMINAL MISCHIEF.

Callie Maxwell Participates in "Search for the Stars Telethon"

Callie Maxwell will be participating in the "Search for the Stars Telethon" for the Rehabilitation Center. The Center provides therapy for children and adults in the North Texas area. She has been involved in the Telethon for four years and is excited to be a part of it again this year. She will be singing "Callie’s Yodeling Song" a song she wrote with the help of a good friend, Marty Lee. The telethon will be held at Austin College in the Ida Green Theatre. They will be hosting the show live on cable channel 30 Saturday, August 14, 2004. Callie will be performing about 3:20 p.m. If you would like to make a donation in Callie’s name to the Rehabilitation Center, you may contact Callie at 903-623-2020, or you may send a check with Callie’s name printed at the bottom of the check payable to the Rehabilitation Center, 1216 Hillcrest, Sherman, TX, 75092. She would appreciate your support.

Callie would like to thank all those who have already made a donation in her name: Bonham Quick Lube, Tri County Glass, Clem and Janet Martin, Fannin County Special, Steve and Kay Mohundro, Cutting Edge, Judy Teller, Legacy Ridge, First National Bank of Bells and Savoy, Bonham Crysler, Cat, Agriland, Bonham State Bank.

Ferguson Family Show

The Ferguson Family Show will be back in session this Friday night August 13, at 7:30 pm. It will be at the Lake Bonham Hoe-Down, located 1/2 mile from Lake Bonham recreation area, east of the spillway on CR 2610, Bonham, TX. The show will feature and be hosted by the Late Marshall Ferguson Family and their band "Red River Express", plus their guest from the Bonham and Sherman area. Everyone is invited and welcome to an evening of clean fun and family entertainment. Admission is free. Donations are accepted and most appreciated. Thanks to all for supporting Lake Bonham Hoe-Down. We really appreciate you all and may God bless you.

For more information call 903-583-4731.

New Immunization Requirements For School Attendance

Kelli Bower, BISD Health Services Director, is announcing new immunization requirements for school attendance per the Texas Department of Health that immediately impacts current students who are not up-to-date on their shots as well as students newly enrolling in BISD.

If a current student does not have all of his/her shots up-to-date, the student will not be allowed to start school until the necessary immunizations are obtained and acceptable documents are provided to the school.

For students newly enrolling in BISD, these new requirements clarify the criteria regarding provisional enrollment. Provisional enrollment is a component of the rules adopted by the Texas Department of Health (TDH) for the minimum immunization requirements for school entry. Provisional enrollment allows a student meeting certain specific criteria to be admitted to school on a temporary basis for up to 30 days. During this 30-day period, the parent is responsible for ensuring that the student receives the necessary vaccine(s) as fast as medically feasible and/or providing a complete and current immunization record to the school. If a student does not meet the criteria of provisional enrollment, and is not current on their immunizations they will not be allowed to attend school until the shots are obtained and a an acceptable document is presented to the school.

The immunization requirements also include an exemption from immunizations for reasons of conscience, including a religious belief. To claim exclusion for reasons of conscience, the child’s parent or legal guardian must present a signed affidavit form to the school. This affidavit must be obtained from the Texas Department of Health.

Exemption due to a medical contraindication is also still valid as long as a statement containing certain information has been presented to the school.

For further information, please contact the local Texas Department of Health located in Gainesville at 940-665-6397 or the Bonham Independent School District web site at http://www.bonhamisd.org and click on the information link.

Congratulations Troop 52

Troop 52 attended Summer Camp at Camp Dierks in June. Camp Dierks is NeTseo Trials Camp that is located in Wright City, Oklahoma.

Troop 52 took home all awards available at Dierks this year. They won the following:

• Best Campsite

• Fox and the Hound-Hide and Seek, Iron Troop- Which was an endurance race where all scouts attending were involved in different legs of the race.

• The adult leaders participated in a Golf Game, where they had to make their clubs and balls out of wood. 1st place went to Lloyd Long, 2nd place went to Wendell Bockman, and 3rd place went to Jesse Glatt.

The following Scouts attended camp:

Anthony Auirk, Blake Frazier, Colby Bockman, Nick Hamby, Jacob Wheeler, Nate Nichols, Franklin Mead, Christopher Glatt, Russell Ryman, Tanner Long, Nolen Hughes, Christopher Orr, Nathan Orr, Dylan Allen, John Reeder, Ryan Dickerson, Zachary Kateeb.

Adult leaders whom stayed all werek were Wendell Bockman, Jesse Glatt, and Lloyd Long. Adult leaders who attended some of the week were Frank Orr, Jeff Hamby, Charles Dickerson, and Scoutmast David Wheeler.

Attention: Heritage District Merchants Association Members

Over the last few months, attendance of meetings by members of the Heritage District Merchants Association has dropped to a point where we can no longer function. A certain percentage of voting members must be present to vote on any business. We cannot even vote to disband the group without your votes. There is also the matter of what to spend the Heritage District Merchants Association funds on. I am sure you all have ideas on this subject.

The next scheduled meeting will be Tuesday, August 10th, at 6:30 PM at the Chamber of Commerce Building. Please do your best to attend this extremely important meeting. Bring your ideas on either revitalizing this group or saying farewell, and your ideas on how to spend our hard earned funds in a way to do the most good for the Heritage District.

I realize we all have busy lives and many obligations, but we made a commitment to the Heritage District Merchants Association, too. Let’s at least go out with a bang instead of a whimper.

Please e-mail your questions or comments to:

firstbugtussle@wmconnect. Call any member you know to pass the word about this meeting.

WE MUST HAVE YOUR SUPPORT!

Two Local Boys Having Some Real Summer Fun

Two local Ivanhoe 7 year olds having some real summer fun........Swimming in MUD!! These two best friends spent most of the summer together, mostly fishing every day but playing in the mud looked so cool they thought they would give it a try. Dalton Russell & Klayton Keeton will be 2nd graders at Sam Rayburn.

Bonham Economic Development Corporation Board Meeting

Legal Seminar Addresses Property Tax Issues

COLLEGE STATION, Texas – Those with an interest in the legal issues that revolve around state property taxes will learn the latest developments at the 18^th Annual Legal Seminar on Ad Valorem Taxation Sept. 2–3 at the Hyatt Regency Riverwalk Hotel in San Antonio. Among the notable speakers will be Deputy Comptroller Billy Hamilton with the Texas Comptroller of Public Accounts.

How Texas public schools will be financed and what role property tax will play are among the hottest topics of 2004. Seminar speakers will look at what the Texas Legislature is likely to consider as it deals with the current crisis in school funding.

Another issue concerns the primacy of the property tax code. While this has been assumed to be a given in the past, recently it has been challenged. Will this create problems for professionals such as property tax attorneys, corporate tax managers and property tax consultants? At the seminar, a panel of prominent lawyers will participate in a discussion, "Tax Code: How Exclusive are the Remedies?"

The mandatory rendition law, which requires businesses of all sizes to render personal property (computers, desks, automobiles, etc.) for valuation, has many upset. The new law has teeth; business owners will be charged stiff penalties for not rendering their property accurately. Roy G. Martin, vice president of Valero Energy Corp. in San Antonio, and Chief Appraiser Jim Robinson of Harris County will explain rendition procedures.

Seminar attendees will get a review of ethics in property taxation and a chance to test their knowledge with "ethics jeopardy."

Other topics covered at the day-and-a-half seminar are the aging population and its effect on tax policy, tax liens in bankruptcy court, case law reports, collection issues and equal and uniform appraisals.

A reception at the hotel and a golf tournament at the Westin La Cantera Golf Resort are scheduled for Sept. 1.

The seminar is sponsored by the State Bar of Texas Property Tax Committee and the Real Estate Center at Texas A&M University. The cost is $310 for early registration and $340 at the door. Attendance for the seminar and the golf tournament is limited. The golf tournament has a $135 entry fee.

To register for the seminar, go to http://recenter.tamu.edu/seminars or contact Margaret Benedict at m-benedict@tamu.edu, 979-845-9691 (phone) or 979-845-0460 (fax). Contact the Hyatt Regency at 210-222-1234 before Aug. 10 for information on group rates. For information on the golf tournament, contact Martin at 210-345-2701 (phone) or 210-345-2495 (fax).

The Real Estate Center at Texas A&M University has been providing solutions through research for more than 30 years. Funded primarily by Texas real estate licensee fees, the Center was created by the state legislature to meet the needs of many audiences, including the real estate industry, instructors, researchers and the general public.

Savoy High School Booster Club

The Savoy High School Booster Club would like to invite you to our membership drive on Thursday, August 12th from 6-7 P.M. at the New City Park.

We would like to encourage each and every person to come out and enjoy a watermelon feast! We will have watermelon and drinks available as long as supplies last. The membership to join the Booster Club for the upcoming school year is $5 per person. We are planning many different activities for this year to show our SUPPORT and SPIRIT for our students at Savoy ISD! We encourage everyone to come to the City Park from 6:00 p.m. - 7:00 p.m. and get a glimpse of our High School Volleyball Teams practice to get ready for their upcoming season. We are very excited about all the new changes that have been made in our school district and we look forward to supporting our students! So please, join us on Thursday August 12, 2004 from 6:00 - 7:00 p.m. at our New City Park in Savoy and meet our new coaches and renew or become a new Booster Club Member! We look forward to seeing you there!

James (Tex) Baldridge became a new member of the Bonham Rotary Club last week at their weekly meeting. Baldridge is the General Manager at the new Legacy Ridge Autoplex here in Bonham (formerly Carter-Wood Motor Co.). Baldridge stated that he is extremely happy to be in Bonham and looks forward to becoming an active member of this community. He comes to Bonham from Tyler with a number of years in the automobile business. The Rotary Club welcomes James and they, too, look forward to his activities in the community.