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Lewes, Delaware
Jim's Towing Service
September 23, 2008     Cape Gazette
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September 23, 2008

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cape G, uette VIEWPOINTS TUESDAY, SEPTEMBER 23- THURSDAY SEPTEMBER 2, 2008 7 Letters )) Coml from  6 Most people in our community are not aware of the out-of-pocket expenses teachers incur to buy supplies and treats for their class- rooms. All the money that they spend throughout the year cer- tainly adds up and let's face it, teachers don't teach for the mon- ey;, they do it because they want to make a difference. These free businesses and fami- lies wanted to help us and they contributed $200 to specific class- es. The teachers used these dons- tions to purchase things they needed or wanted for their class- es. We would like everyone to know about these wonderful busi- nesses and families because we are certainly grateful to all of them! We are now accepting ap- plications for the 2008-09 school year. If anyone would be interest- ed in taking part in our Adopt-A- Class program please call us at the school, 945-6200 or email the Fro at Thank you so much for being such a great community and helping our children at Long Neck Elemen- tary. J & J Mechanical, PATS Aircraft, Wilmington Trust, Drew Asbury, AMVETS, WSFS, Bill's Sport Shop, Holiday Chicken, Pot-Nets HOA, Why Cook, Shore Tint, Fer- raro's Stitch Art, Roxborough, Pomeraree & Nye LLP, Lombar- di's Window and Door Specialist, Debbie Baker, Mary Kay Coshaet- ics, Long Neck Mini Gol Barbara Liffiander, Jack's Plumbing and In the Dog House. Thank you for taking the time to recognize these businesses with US. t00g0000gm&sta00 Falling home values causing loan mayhem When a buyer engages a mort- gage company to underwrite their home purchase, they usually are required to put down a per- centage of the loan amount as a deposit, to show a personal equi- ty position. This is known as the LTV or loan-to-value ratio. In the past, it may have been as little as 3 percent of their own money, or more likely, 10-20 percent of their funds to avoid the PMI fees on top of the mortgage which is pri- vate mortgage insurance for the mortgage company. Now along comes a nasty downturn in the market, wherein appraisers are second guessing what was the "norm de rigueur" two years ago, where most homes appraised at or a little above the 2005 purchase price. Suddenly, the values are lower, in most cas- es by up to 10 percent. The feck- less homebuyer is left scratchm__g his head and saying, "Whoa, I just bought this house in 2005 for 'x,' and it was justly appraised, and certified to have  value, and that is why the mortgage compa- ny gave me the funds." Now sud' denly he/she is thrown to the wolves of the market, as now the new value is less than he paid for the property. Since it is no fault of the home- buyer who followed all the rules as laid down by the RESPA [Real Estate Settlement Procedures Act] people, and beyond, how so is he/she left hanging out to dry when either trying to sell or refi- nance the property? Did the bank/mortgage compa- ny lose money? No, it still gar- ners the interest on the amount loaned, whether for the 2005 loan amount, or perhaps today's mar- ket amount. Interest is still com- ing in and still owed. Now, it makes sense that if the home is not worth what it was, that there should be some shared misery here. Why doesn't the bank al- low the loan to adjust down and keep a mortgagee/homeowner happy, so that there is less angst all the way around? Either that, or accept, by appraisal, a new loan amotmt payoff, so that a sale may occur without the homeowner suffering "the upside down mort- gage." Eliminate the short sale market and foreclosures on all except those that have no way of making good faith payments, no matter the balance. The sooner we do this, the bet- ter, as many markets are seeing the new carpetbaggers as the mainstay client, and what does that do for our sense of communi- ty? I shudder thinking of the fu- ture of Delaware if this is not im- mediately rectified. Sandra Ware Lewes Millsboro library says thanks for reading help The Millsboro Public Library board and staffwould like to thank the following businesses for their suppo of the Summer Reading Program. Ace Hardware, Amazing Grace, Baker's Hard- ware, Dairy Queen, Food Lion, Happy Harry's, Hardee's, McDon- ald's, Millsboro Hobbies, Pizza King, Pizza Palace, PNC Bank, Ri- ta's, Rite-Aid (Georgetown), the Teacher's Comer, Wal-Mart, Wawa and Wilmington Trust. Your support greatly enriched the quality of our program. The Summer Reading Program is vital to the continued development of the children's reading skills. Your support is especially ap- preciated in these difficult eco- nomic times. Mills Public Ubrary Soaring motorcycle deaths: helmet laws must change fter reading your front been protected, helmet, removed by paramedics, often called to the bedsides of A Page lead story that carded the banner headline, Motorcycle fatalities soar, I would like to of- fer a few observations, basedon my experience as a former emergency medical technician (EMT) in Baltimore County, Md. and senior staff member at the Maryland Shock Trauma Center in Baltimore. The story of eight motorcycle deaths in less than a month here in Delaware, along with data showing an alarming increase in motorcycle fatalities nationwide, makes a compelling case for anyone who has any- thing to do with public safety in this state to step up and support changes in Delaware's motorcy- cle helmet laws. I f'md it unconscionable that in a stlte known for its tough stance on highway safety, motor- cyclists are required to "display" helmets, not wear them. In other words, a helmet must be on the bike and not thebiker. It's like having a child safety seat law that requires a child safety seat to be "displayed" in the vehicle, with the child sitting next toit. Critics will argue that mandat- ing laws for children is neces- sary because they are minors and lack the maturity to think responsibly for themselves. However, when it comes to adults, they are old enough and more mature to make their own decisions. That is, until they are critically injured or killed in a crash they might have survived without permanent damage, if they had In Maryland, helmets are re- quired, and their use has been credited with saving countless lives. The motorcycles might be engineered for speed, but the human body, and more impor- tantly, the head, isn't. As an EMT, and as director of public affairs at the Maryland Shock Trauma Center, I saw the head trauma, firsthand, among criti- cally injured patients who, some said, were not lucky enough to die. Unlucky in the sense that their recovery would take months and sometimes years to rehab, and often with debilitat- ing brain damage and other neu- rological head and neck injuries that disabled them or left them dysfunctional for the rest of their lives. I recall-one admission of a young man who was flown in by Maryland State Police Med-evac helicopter with his helmet next to him on the backboard. The was cracked by the impact of the head on a guardrail along the highway that, police said, oc- curred at a speed of more than 50 miles per hour. He was badly bruised, his bones broken, but he escaped serious head, neck and spinal cord injuries because of his helmet. It is time for the citizens (tax- payers) of this great state to ex- press their support for strength- erring our helmet laws by requir- ing their use. Tb_is effort will face some tough opposition from the so-called "freedom rid- ers" who insist that this is a "constitutional" issue and not one of safety. The response to that must come from the area fire and EMS personnel who are called to rescue these victims every week. It must also come from the en- tire medical community, includ- ing ER doctors, trauma nurses, the rehab clinics and other healthcare professionals who are critically injured motorcyclists who were riding without hel- mets.. - If there are going to be mean- ingf lifesaving changes in our helmet laws, this effort must al- so have support among our elected officials who will be held accountable for the unnecessary and expensive carnage that will continue to occur if they do nothing to enhance safety for motorcyclists and others who share the highways with them. As a former public informa- tion officer with the Maryland State Police, I feel confident that Delaware State Police would support and aggressively en- force it, once enacted. Have you ever seen a trooper assigned to the motorcycle unit riding with- out ahelmet? Chuck Jackson is the executive director of Citizen Advocates for Safe & Efficient Travel headquartered in Nassau.