Refinancing: Is it Right for You?
Transcription
Refinancing: Is it Right for You?
M HOME & GARDEN WEDNESDAY, SEPTEMBER 9, 2009 Refinancing: Is it Right for You? By Jim Fry GUEST COLUMNIST “Rates are at an all-time low,” and “now is the best time to refinance your home.” These are two phrases we see every day on television, the Internet and fliers in the mail. But what does refinancing a mortgage really mean? Some important questions to consider include: What financial goal(s) are you trying to achieve? Is refinancing the right decision for you? What options are available? Are there ways to avoid some of the costs of refinancing? Let’s take a look and answer these questions. Refinancing your home is basically paying off your existing mortgage and taking out a new mortgage. You don’t get to avoid paying on your home, but you can possibly change the terms of the loan to better fit your budget and help you reach your financial goals. There are many reasons why you may want to refinance your mortgage. Are you seeking a lower monthly payment, trying to reduce your interest rate or just trying to save money? All are legitimate reasons to refinance. Nationally and locally, workers’ incomes have been cut, mandatory furloughs activated, work hours reduced and household income has dropped. Refinancing a mortgage can possibly reduce your interest rate, lower your house payment and save you money. However, there are some reasons why refinancing may not be right for you. Several things you need to consider include: I How long do you plan on owning your home; I How much lower will your interest rate be; I How many years remain on the current mortgage? If you only plan on staying in your current house for a short time, then refinancing probably does not make sense. For example, you will pay more in closing costs than you might save by refinancing. Or, you may lower your interest rate by 1 percent, but if you pay a 1 percent origination fee, credit report fee, along with other closing costs, it would take longer than a year to recoup your expenses. In addition, if you only have five or six years left on your mortgage, it may not be worth it to refinance, again because of the cost. Find out how much you will save, vs. how long it will take you to recoup your expenses. If it will take two years to recover your expenses and you will be in the house for only one more year, then it is probably not wise to refinance. There are many options available in the marketplace today. Refinancing a mortgage is very popular, especially because interest rates have decreased so dramatically over the last 10 years. There are many different refinancing options of which you can take advantage. For example, you can opt for a fixed-rate or an adjustable-rate mortgage. A fixed-rate mortgage will usually be for a term of 15 or 30 years, and the interest rate will stay the same for the life of the loan. An adjustable rate mortgage (ARM) means that after a term, usually of three, five, or 10 years, your interest rate can change. Many times that can be bad, as rates can increase. However, if you don’t plan on staying in your home for a long time, an ARM may be a great choice for you and the interest rates on ARM loans, in The ItalianCarFest at Nash Farm in Grapevine will feature some of the finest in Italian engineering. Top left: 1974 Fiat 124 Spider; top right: 1959 Fiat Bianchina; Middle: 1973 Alfa Romeo Montreal; below: 1996 Lamborghini Diablo VT Roadster. COURTESY IMAGES | PHOTO COLLAGE BY KATHLEEN BYNUM/ALLIANCE REGIONAL NEWSPAPERS ItalianCarFest to Benefit Grapevine Historical Society Nearly 85 Italian vehicles will converge at Grapevine’s Nash Farm, Sept. 12 from 10 a.m. to 4 p.m. At the ItalianCarFest, visitors will find everything from the Ferrari to the lachina to Italian motorcycles and scooters. “Italian cars have always been considered to have passion,” said Bob Dezzany, chairman of the ItalianCarFest. “It’s art on wheels.” The first ItalianCarFest in Grapevine was in 2003. The event continued annu- See REFINANCING on Page 6B ing the event. “The venue itself is going to be pretty nice.” Car owners will come from surrounding cities as well as out of state. They all have one thing in common — an enthusiasm for Italian cars. “They’re all very passionate about their cars,” Dezzany said. “All of us like to talk about our cars. Once you start us [talking], you can’t stop us.” See CARS on Page 3B BY CHRISTIANNE YOUNG | STAFF WRITER Organic Gardening Made Simple Spreading a Little Joy Good Neighbor Day is Wednesday, Sept. 9. And one local company is celebrating by giving away dozens of roses. What’s the catch? The company wants to promote sharing by having recipients keep one rose, and give the other 11 away to friends, neighbors, even complete strangers. Bice’s Florist will give away a dozen roses to the first 500 customers to visit its shop at 650 Bedford-Euless Road in Hurst. Additional benefits for those visiting on Wednesday: Each person will receive a Lucky Stems game piece, guaranteed to be a winner of flowers, a gift item or discount on future purchases and the shop will award gift cards at random, worth up to $50 through- ally until 2007. After a one year hiatus, the event continues this year. “It’s exclusively Italian. We don’t accept anything except for Italian,” Dezzany said. This is the event’s premier at Nash Farm. Both entrance and parking are free. “We plan to spread the vehicles out under the trees,” said Mark LaCroix of Grapevine, who is a member of the Italian Car Club of the Southwest, which is host- COURTESY IMAGES Bice’s Florist in Hurst is giving away 500 dozen roses on Wednesday, Sept. 9 out the day. Good Neighbor Day began in 1994 after FTD Floral wanted to encourage people to be more friendly through the gift of flowers. For details, call 800-848-0209 or see www.bices.com. —Staff Report Ever wanted to create an organic backyard garden, but not sure where to start? Marshall Grain Co. in Grapevine will host several free seminars this month exploring this topic. These lectures, featuring experts in organic gardening, will be at the Grapevine store, Hwy. 121 and Hall-Johnson Road. The following is a list of classes. I Fall is for Planting and Fertilizing Saturday, Sept. 12 at 11 a.m. Most perennials will reward you handsomely the following year with bigger, more vigorous shrubbery and blooms when you start them in the fall. That’s because they use the cold weather months to build their root systems and store energy for their next growing cycle. Speakers Bobby Spence of Nature’s Guide and Sabino Cortez of Erath Earth will share their knowledge on how to successfully start new plants and invigorate existing ones. I Creating Colossal Containers Saturday, Sept. 19 at 1 p.m. Learn the three elements that transform the ordinary into the extraordinary. Whether you’re planning a unique gift for a friend or a show piece for your own home, containers add drama and color to any space. Attendees receive materials to create their own containers and take home their own creations. I 3 Steps to Organic Gardening Saturday, Sept. 26 at 11 a.m. “Tropical John” Thomas will review the latest techniques, essential organic products and provide a basic program for you to follow. A former host of the Living Natural First radio show and owner of Tropical John’s Garden Shop, Thomas has been advising organic gardeners since 1990. For details, call Marshall Grain at 817416-6600, or see www.marshallgrain.com. —Staff Report 2B Wednesday, September 9, 2009 Living M Local Company Donates 50% to Nonprofits A Breaking Season lieve me. We got a new toilet. Then, the breaking season spread to the Editor’s Note: This column was selected by Dr. Ryan from among her favorites. She laundry room. The washing machine began to is on vacation, but will return in make disturbing loud noises two weeks. throughout the pipes of the house Have you ever had a breaking while simultaneously dripping season — one of those periods of water into the washer tub. time when things seem to fall Frustrated by the mounting apart in groups or clumps? costs of this particular breaking Our latest breaking season season, my husband decided to started with the air conditioning. fix the washer himself. Two hours It didn’t stop completely, thank later, I found him in the laundry goodness. It just started dripping CINDY room, behind a dismantled washwater out of a place it wasn’t sup- RYAN er, surrounded by parts. posed to drip from. All I could re“I think I see the problem now, I just can’t member was some air conditioning service person from the past showing me this pipe get to it,” he said. Horrified by the destruction, I said, and saying, “if you ever see water coming “Stop. You have to stop. You are really good out of here, beware!” After an attempt or two to outsmart the at what you do, but you are out of your whole system and “do it ourselves,” we knowledge base. You have to stop.” Somehow he got it back together, but afcalled a professional. He had all kinds of tools and contraptions ter his “fix,” the dripping became more like a rapid stream of water and the scary noise and he fixed us right up. However, he didn’t fix us up quickly continued. When the appliance repairman arrived enough to avert the “breaking season.” the next day, our third professional in one A toilet came down with issues next. It simply wasn’t doing what a toilet week, he breezed in and diagnosed the problem in about two minutes and had it should do, if you know what I mean. It turns out, it was my fault. I’d put a blue fixed in under 10. I cheerfully wrote the check for $128.17 bleach self-cleaner in the tank because I have three children, two of whom are boys. … and made a more important life note to The plumber informed me that the bleach self: “When in a breaking season, don’t self-cleaner had eaten away at the internal hesitate to call for help.” In fact, it was such a good thought, I mechanisms of the toilet. “People think those bleach things are wrote it on a Post-it note and placed it on the keeping their toilets clean. But, there’s just refrigerator, doing my best to ignore the unno substitute for cleaning the toilet your- usual noise that this appliance is now makself,” he said looking at me judgmentally. ing. Dr. Cindy Ryan is a writer and pastor. I found myself describing in detail how I clean the toilets religiously. He didn’t be- Contact her at [email protected]. REAL LIFE SEND US YOUR NEWS TIPS, PHOTOS & STORY IDEAS. ............................................................. E-mail us: editor@ alliancenews.net Southlake-Based Business Concerned with Making the World a Better Place Left: Tyler Merrick, founder of Project 7. Below: T-shirts display hashmarks numbering seven. By Christianne Young STAFF WRITER One local commercial company is giving away 50 percent of it profits to nonprofit organizations. The Southlake-based company, called Project 7, began in October 2008 and plans to donate half of its profits to various causes, such as housing the homeless, feeding the hungry and stopping human trafficking. “I’ve always had a passion for business and heart for outreach and missions,” said Project 7’s owner, Tyler Merrick. “We’re a for-profit entity, but we exist to help nonprofits ... It’s what we call a hybrid.” Merrick created the idea for Project 7 when pondering the “seven deadly sins,” which include pride, envy, gluttony, greed, lust, sloth and anger, according to the Catholic tradition. Instead of focusing on the negative, he beagn to imagine what would happen if instead of simply trying to abstain from those sins, people began to focus on helping those who had difficulties as consequences of the seven deadly sins. His business idea grew from that concept. Project 7 sells gum, mints, bottled water and T-shirts. “We only make what we call ‘lifestyle accessory items,’ ” he noted. All of the products are made in the United States. The money goes to a variety of charities around the world — helping supply everything from basic immunizations to clean water to safety for children forced into war. “We support seven different initiatives,” he said. Project 7’s causes include healing the sick, saving the earth, housing the homeless, feeding the hungry, helping COURTESY IMAGES can also be purchased at Buon Giorno Coffee in Grapevine. “We like to offer mints and things for people to chew to get rid of the taste of coffee, and we’re very big on supporting causes that make a difference, so this is doing both,” said David Clarke, owner of Buon Giorno Coffee. Clarke said he appreciates Project 7 products because they are high quality, and they take the hassle out of donating. “I’m just impressed with the company, and they have a very good method of doing this. I’m very supportive of them,” Clarke said. “They make it very convenient for someone like me who is in a very busy retail business.” Another draw to the products is that they are eye-catching. “We make the packaging trendy — attractive,” Merrick said. Not only do they look good, they’re earth-friendly. Project 7’s bottles are 100-percent recyclable, and its T-shirts are 50-percent organic cotton and 50-percent recycled plastic bottles. On average, five recycled bottles are used in each shirt. The company also plans to those in need, building the future and working for peace. This year Project 7 will be giving its first round of donations: $105,000 to seven different nonprofit organizations. Each will receive $15,000. Because Project 7 is new, it is not yet profitable, but is showing their commitment to their mission by pledging this donation. Products by Project 7 can be found in Books-A-Million, Whole Foods, Market Street, Caribou Coffee shops and many others. Soon they will also be on the shelves at Sprouts Farmer’s Market. Project 7’s gum and mints n e p O w o N in Grapevine Catering & Bakery Any order, Party or Event. Through August 29th. • Carry Out • Special Orders Specializing in extraordinary Parties & Events Features The Best Cheese Cake in Texas 817-416-0923 230 E. College St., Grapevine, TX 76051 www.chefpattycakes.com See SEVEN on Page 3B Join us today for an excellent lunch with quick service on Oak Street at Babe’s, Classic Café, Granny’s Cupboard, Mi Familia, Tortilla Flats and Twisted Root. We will serve you a uniquely good meal and can get you in and out in an hour. Please Access Oak Street from the west on Hwy 377, from the east on Pine Street from Byron Nelson/Bus. 114. Please go to roanoketexas.com or call 817-491-2411 for more info. A Partnership of Doctors committed to the Highest Quality of Service & Care nextcenturydentalhurst.com LARGE nextcenturydental.com PRIVATE PRACTICE General Dentists & Specialists To Serve ALL Your Family’s Dental & Ortho Needs Under One Beautiful Roof Including Children’s Dentistry Perio/Gum Dental Sedation Surgery Implants Dentistry OPEN Mon-Fri 8-6 & Sat 8-3 Wisdom Teeth Removal Emergencies Seen Same Day! *Ortho Team Available 6 DAYS A WEEK* $ 500 Off Off 500 Off Off $ Orthodontics/Braces Dental Implants $500 discount is off standard, non-surgical 18-24 month full orthodontic case (Our Regular Fee $4,400) $250 discount is off dental implant (our reg fee $1,695) $50 off implant part (Our reg fee $450) $200 off implant crown (Our reg fee $995) Orthodontic FREE FREE Consultation This offer cannot be used with any other offer. This ad must be presented prior to banding of the patient. Expires 9/30/09 67 $ This offer cannot be used with any other offer. This ad must be presented prior to Implant Placement. Expires 9/30/09 Routine Cleaning Exam, BW X-Rays Dr. Wesley Kubo Implant Consultation This offer cannot be used with any other offer. This ad must be presented prior to routine cleaning Reg. fee $175 Expires 9/30/09 Low Cost Financing Available Most Insurance Accepted Appointments until 6pm Saturday Appointments until 3pm Dr. Joseph Bonola, Dr. Kumar Hiremath & Assoc. 817571-2100 817581-2100 817251-2121 Colleyville/Hurst Watauga/Keller Southlake/Grapevine 458 Mid Cities Blvd. Just West of Grapevine Hwy (26) 7748 Denton Hwy (377) Just South of Super Target Hwy 114 East of Kimball Across from Costco Emergencies Seen Same Day! Low Cost Financing All of your family’s dental needs taken care of under one beautiful roof! Enjoy Unique Downtown Oak Street as the Rising Star of the Metroplex grows. Root Canals, Braces, Children’s Dentistry, Implants, Crowns, Wisdom Teeth Extracted, etc. Open Mon-Fri 8 to 6 & Sat 8-3 to better serve your family! Living Wednesday, September 9, 2009 M Sports Items Boost Foreign Film Fundraiser Staff Report THE COURIER/THE JOURNAL The International Film Society (IFS) of Carroll Senior High School was established last year to promote a greater understanding of varied cultures, ideas and beliefs through foreign films. Now the IFS has teamed up with the Friends of Southlake’s Public Library and Kerry McGeath, Southlake librarian and deputy director of community services, to raise funds to create an international film section within the library. “The library is truly a community resource, with nearly 70 percent of residents having library cards,” McGeath said. The original idea for the IFS had its roots in the upbringing of its founder Lauren Wilcox. She is a student at Carroll Senior High School and grew up in the United Kingdom, France, Italy and the U.S., so she was exposed to a variety of foreign films. “Many of these films are not as glamorous as the ones produced in Hollywood,” Lauren said, and “therefore remain ... unknown by audiences in the U.S. These movies can be refreshing and invigorating because they often present complex ‘real-life’ issues that are thought-provoking and which stimulate lively discussion and debate.” The funds will be raised by selling raffle tickets for some sports memorabilia, including an authentic Tony Romo Dallas Cowboys hand-signed jersey, a pennant signed by owner Jerry Jones and Head Coach Wade Phillips. In addition, four tickets to the Texas Rangers game on Sept. 27 will also be raffled. Tickets for the live drawing are being sold at the Southlake Public Library on Saturday, Sept. 12 and 19 from noon to 4 p.m. and from Sept. 21-24 at CSHS during lunch time. There will also be a ticketselling booth at the Dragon Football home game on Sept. 18. Tickets, which cost $3, may be ordered up to the event by contacting Lauren Wilcox, at [email protected]. The drawing will be Sept. 25 at CSHS, but entrants do not need to be present to win. COURTESY IMAGE 1975 Lancia Fulvia. cars is invited to the meeting. For more information on the club, see www.iccsw.com. Proceeds from the show will benefit Grapevine Heritage Association. For details, see ItalianCarFest.org or call 214-668-2382. Valid after 5 p.m. Sun. - Thurs. One Coupon per Table DINE IN ONLY Not Valid with any other offer. Maximum Value $8.95 *Expires September 22nd, 2009 Located: 320 S. Main St. Grapevine, TX 76051 *In the downtown Historic District* (817) 481-2721 Tues-Fri: 7:30-6 Sat: 9-4 ...It seems there has t been quite a buzz ab...ou Salon Roca lately Thank You All for the 817.329.2798 Northwest Plaza 1633 West Northwest Hwy. Grapevine, Texas 76051 COURTESY IMAGE After-coffee mints are one of the products Project 7 sells locally; 50 percent of the proceeds is donated to charity. NOW ON DVD Filmmakers Take Unauthorized Look at British Bands Depeche Mode, Beatles By Leslie Rigoulot FILM CRITIC The Dark Progression Unauthorized, a limited-edition DVD is aimed only at the hardcore fans of the electronic band, Depeche Mode, al- though it is a modern music lesson for everyone else. Starting with the band’s roots in Essex, England we follow the band in its development of synthesizers and electronics in music. Hours Mon. - Sat. 10:00-6:00 Sun. 1:00-5:00 Noodle & Boo Oopsy Daisy Baby Kaia Eve Wee Squeeks Outfitting Mother & Child Head to Toe Outfitting Unique • Women • Children • Home 415 S. Main St. Grapevine 2 Cor. 5:17 You are a New Creation The interview with OMD’s Andy McCluskey is really the best in terms of demonstrating how the pioneering sound of a German band led his group to See DVDS on Page 4B A Community Bank... Working for the Community! • Copy, print & fax • Wireless access and private PC workstations • Reserve the conference room to conduct business meetings with your customers • Private access for Bank of the West business customers Member FDIC s SAVING SOLES SINCE 1904 Mother alway • Shoes • Boots • Luggage • Belts • Purses said: • Dyes • Zippers • AND MORE !! en h W g in ry or W rt “Sta NO JOB TOO SMALL ” ..! g in lk Ta p to S They Salon Roca sell water in biodegradable plastic bottles that breakdown in 1 to 5 years. The team at Project 7 is doing more than donating money. On the seventh of every month, the employees of Project 7 go to local areas in need and volunteer their time. Charities interested in becoming a Project 7 recipient can register at the company’s Web site, www.project 7.com. Come See What’s New! ina's Shoe & Boot Repair s s e M call to schedule your appointment From 2B SUBMITTED PHOTO From 1B Free Advertisement! SEVEN Officers of the International Film Society at Carroll, from left: Micah Williams, vice president; Sonja Sherry, treasurer; Lauren Wilcox, president; Townsend Davies, secretary and Grace Schweitzer, technical director. CARS The festival will be enjoyed by both car enthusiasts and those more unfamiliar with the finer points of the Italian vehicle, LaCroix said. “Car nuts are going to have a good time because they’re going to see things they’ve read about, but never seen before,” he said. “They’ll be a lot of just purely beautiful automobiles there — the form, the line, the function ... It’s kind of like going to an art gallery.” Most Italian car shows are in the upper northeast or western states. The opportunity to see an Italian car show in Texas is unique, said Charles Mackres, president of the Italian Car Club of the Southwest. “There’s really not a lot of Italian car shows in the middle of the United States,” he said. Along with the excitement of the cars, festival goers will also be able to enjoy a variety of Italian foods such as gelato, Italian sandwiches from Syracuse’s Sausage Company and, of course, wine. The Italian Car Club of the Southwest meets on the third Tuesday of every month at Olive Garden Italian Restaurant in Grapevine. Anyone interested in Italian 3B Coffee Shop & Business Banking Center • SBA Loans • Mortgage Loans • Personal Loans • Commercial Loans • Free Checking • Free Internet Banking Business Banking Center & Main Java Coffee Shop Located At Additional Full Service Banking Center Located At 108 West Northwest Hwy. Grapevine 4100 William D. Tate Ave. Grapevine 817.310.3555 817.399.9400 www.bnkwest.com 4B Wednesday, September 9, 2009 Living M DUNKING FOR CHARITY Meals on Wheels Schedules Fall Fashion Show, Fundraiser Market Street in Colleyville hosted the Famous Mineral Water Company’s Crazy Water Dunk Tank recently. All proceeds from the event went to support “A Wish with Wings,” a nonprofit organization that grants the wishes of Texas children with lifethreatening diseases. Founded in 1982, AWWW, has granted more than 1,000 wishes. For details or to donate, e-mail [email protected] or see www.awishwithwings.org. At left: Crazy Water’s Wade Mackey awaits a good wash. LARRE’S CORNER Talk about your perfect combinations — who doesn’t like a fun fashion show, and who doesn’t like to shop? If you are like most of the fashionistas on the planet, it is impossible to choose which one of those is your favorite. Not to worry, Metroport Meals On Wheels packs both into one event at its 4th Annual Metroport Meals On Wheels Fall Fashion Show & Shopping Bazaar Friday, Sept. 25 at the Marriott Solana. Beginning at 9 a.m., you can peruse a room filled with booths packed with unique items that are not only great for you but also perfect for those family members and friends who make up your Christmas list each year. Oh yes, I did mention LARRE Christmas? GREEN It may seem far away, but as of this Friday, there are only 105 shopping days left until the big day! This shopping opportunity could be a could way to go into the holidays stress-free with your shopping out of the way? Then at 11 a.m., the catwalk lights up as the fashions hit the runway. I have to say, this event is always fun. Having attended the last three, each year it has surpassed the prior one in money raised for Metroport Meals on Wheels, as well as overall fun! And keep in mind, this event always sells out. Individual tickets are $75 and can be purchased by calling Karen Malone at 817-491-1141 or Roxann Taylor (she is the wonderful sweetheart who is the presenting sponsor), at 817-442-4244, ext. 325. For details, see www.metroportmow.org. Luke Adams, 4, takes a turn throwing at the dunk tank. PHOTOS BY CORRESPONDENT BRIAN VENEZIA The Bradshaw siblings of Grapevine, from left: Olivia, Luke and Jackson. All Market Street’s Blake Smith plunges into the dunk tank. three attend O.C. Taylor Elementary School in Colleyville. CLICK COVERAGE For coverage of your nonprofit organization or social club, contact Living Editor Kathleen Bynum at [email protected]. From left: Jack Bradshaw, Carol Elder and Wade Mackey, all of the Famous Mineral Water Company, took turns in the dunking booth. *** Mother Nature isn’t going to decide what happens at this event. Come rain or come shine, bright and early at 8 a.m., Saturday, Sept. 26 in the Rustin City Park in front of Town Hall at Southlake Town Square, warm-hearted walkers will be revving up for the North Texas “Walk for PKD.” Actually the registration for the 2-mile walk (laid out in a 1-mile loop that is walked twice) begins at 8 a.m. with the Children’s Walk at 9 a.m. and the regular “Walk for PKD” beginning at 9:30. Walk coordinator Carolyn Morris has once again organized an event that makes getting up on a Saturday morning something to look forward to. Face it, there aren’t too many events that take place today where the entire family can participate and enjoy while helping find a cure for a disease that affects more than 600,000 Americans and 12.5 million children and adults worldwide. To register, just show up or check out www.northtexaswalk.org for details. Social columnist Larre Green welcomes your information and input on interesting stories and events. Contact him at [email protected]. Of course, any band that has endured for 30 years deserves credit, but having emerged from the New Romanticism of the 1980s and From 3B maintained their attachment to electronic sound, they deserve more than a round of apecho those tones in their music, which in turn plause. influenced Depeche Mode. Get out your iPod and listen to Just Can’t British Invasion Get Enough, its first UK hit; then listen to The Beatles: Rare and Unseen deserves their first U.S. hit, People Are People. not to be seen by any but the truly Beatles Four albums have passed between the two obsessive. Like the Depeche Mode DVD, it is unauhits. Industrial sounds and political themes thorized, so none of the music is featured at start to influence its lyrics. Watching the videos does make you realize all. In fact, the footage that does feature them that the Austin Powers stereotype of Brits playing does not have the band’s music — it with bad teeth is based in reality. The interesting part is watching the evolu- is voiced over with people commenting on tion of the band, but Depeche Mode – The “this is the only known footage of the first Dark Progression is not authorized by the time the Beatles ever played Hamburg,” or wherever. band or its record company. Interviews with anyone who ever had anySo the interviews are with those surrounding the band interspersed with clips from thing to do with the Beatles are featured. The guy who got Brian Epstein’s coffee is their videos. Interviews with the band members are interesting, but it is their contempo- afforded a platform for his opinions. And if you don’t know that Brian Epstein managed raries who seem most insightful. DVDS the Beatles, you are going to be wondering why his assistant is included. There are a few bright moments, however. Home movies from Ringo Starr and a segment on the Paris Olympia tour of January 1964 put the Beatles in a more complete perspective. The Paris gig featured Trini Lopez with drummer Mickey Jones. The Houston native went on to be an actor after being part of the New Christy Minstrels and the drummer on Bob Dylan’s controversial tour in which he played electric guitar for the folk crowd. Jones has more folksy memories of hanging out with the Fab Four just before they really made it big. And being a drummer, he spent more time with Ringo than the rest. Genesis frontman Phil Collins, who was an extra in a Beatles film, is also featured. Both documentaries are available at Amazon, but only the true believers will want to buy a copy. Netflix might be a better option even as Beatlemania relaunches with the new Beatles remastered box set and video game. THE ONLY NAME YOU NEED TO KNOW IN REAL ESTATE Y EN DA P N O SU M IS 5 P H T 2 817-416-2700 WWW.ROXANNTAYLOR. COM 817-416-2700 OPEN SUNDAY 2-5 PM g{x XÇvÄtäx 1612 ENCLAVE C T , OUTHLAKE , $1,875,000 MAPSCO FW11T Living Wednesday, September 9, 2009 M 9 Farmers Market, every Thursday and Saturday, 8 a.m. to sell out, by the gazebo in Grapevine. 817-4103185 or www.grapevinetexasusa.com Books ‘n’ Brunch Book Club, 11 a.m., Colleyville Public Library, 110 Main St. 817-5031150 Grapevine Market, 9:30 a.m. to 2 p.m., an array of items on Main Street near the gazebo. Social Bridge, 9:30 a.m., Colleyville Senior Center, 2512 Glade Road. 817283-7648 Beginner Line Dancing, 11 to 11:55 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 WED Grandparent’s Day 13 Southlake MOMS Club, Moms’ support club, 10 a.m., location TBD, contact southlakemomsclub@ yahoo.com Painting with Pepe Fall Camp, Pepe Le Potter, from 4 to 6 p.m., from Sept. 14 to 17, Colleyville PARD, 315 L.D. Locket Road. 817-503-1180 14 Southlake Newcomers Club Meeting and Luncheon, 10 a.m., $17, Timarron Country Club. 817-233-3371 Supper and Social, 5 to 9 p.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 Colleyville City Council, 7:30 p.m., 100 Main St. Grapevine City Council, 7:30 p.m., 200 S. Main St. Southlake City Council, 7 p.m., 1400 Main St. 20 The Southlake Historical Society, 7 p.m. on the third Monday of each month in the Community Center meeting room in Bicentennial Park, 400 N. White Chapel, Southlake. www.southlakehistory.org 21 Supper and Social, 5 to 9 p.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 Senior Stretch Series, 1 to 2 p.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 27 Walk Across Texas-Walk Program-Challenge, 7:30 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 28 Supper and Social, 5 to 9 p.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 SUN 23rd Annual GrapeFest, Sept. 17, 18, 19 and 20. 800457-6338 or www.grapevinetexasusa.com GrapeFest Mini Excursions, 2, 3, 4 or 5 p.m., Sept. 18, 19 and 20, experience a sampling of the fun and the thrill of riding the rails on the Grapevine Vintage Railroad, 30 minute rides will cost $9 for adults (13 and older) and $6 for children (3 to 12). www.gvrr.com SUN Metroplex Camera Show, 10 a.m. to 3 p.m., Grapevine Convention Center, 1209 S. Main St., open to the public, adults $5, children younger than 12 free with adult. www.donsphotoequipment.com SUN MON MON MON 10 9/11 Flight Crew Memorial Ceremonies, lowering of the flag at 7:30 a.m. and candlelight vigil at 8 p.m., 1000 Texan Trail, Grapevine. Spuds and a Movie, 11 a.m., The Curious Case of Benjamin Button, Colleyville Senior Center, 2512 Glade Road. 817-283-7648 Del Castillo, 7:30 p.m., experience the cross-cultural power of music at the Palace Theatre, 300 S. Main St. www.grapevinetexasusa.com or 817-410-3185 17 GrapeFest Mini Excursion, 30-minute rides and experience a sampling of the fun and the thrill of riding the rails on the Grapevine Vintage Railroad. www.gvrr.com People's Choice Wine Tasting Classic, reservations recommended. www.grapevinetexasusa.com Texas Coin Show, 2 p.m. to 6 p.m.; September 19 from 9 a.m. to 6 p.m.; and September 20 from 9 a.m. to 3 p.m., $2, Grapevine Convention Center. 214-535-3465 24 The Grapevine Opry, 7:30 p.m., Gospel Country Showcase. 817-4818733 THU 15 Social Bridge, 9:30 a.m., Colleyville Senior Center, 2512 Glade Road. 817283-7648 Fall Style Show, 10 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 Beginner Line Dancing, 11 to11:55 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 16 23rd Annual GrapeFest, Sept. 17, 18, 19 and 20. 800457-6338 or www.grapevinetexasusa.com History of Colleyville Round Table Discussion, 10 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 Master Gardening Series, 10:30 to 11:30 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 22 Social Bridge, 9:30 a.m., Colleyville Senior Center, 2512 Glade Road. 817283-7648 23 Grapevine Market, 9:30 a.m. to 2 p.m., near the gazebo. Theater Trekkers to the Artisan, 6:50 p.m., The Mikado, Colleyville Senior Center, 2512 Glade Road. 817-283-7648 29 Social Bridge Brunch, 10 a.m., Colleyville Senior Center, 2512 Glade Road. 817-283-7648 TUE TUE TUE WED WED THU THU SUN 5 MON 6 TUE 7 Carroll’s second annual Homecoming Carnival, 5 p.m., Dragon Stadium, including inflatables, obstacle courses, rock climbing, carnival games, live music and silent auctions. 817-881-2930 or [email protected] WED Family Owned and Operated 8 Years same convenient location! CUSTOMER SERVICE IS #1! Certified Master Mechanics with 47 years combined experience Texas Wine Tribute Black Tie Gala, a reception at 6:30 p.m. and dinner at 7:30 p.m. in Grapevine. www.grapevinetexasusa.com The Grapevine Opry, 7:30 p.m., Texas' Premier Country Music Variety Showcase. 817-4818733 Fall Family Campout, Bob Jones Park Day Camp Area. www.southlakeparksandrec.com and 817-748-8019 25 The Grapevine Opry, 7:30 p.m., The Grass is Blue. 817481-8733 2009 Memory Walk, Grapevine Mills Mall. [email protected] or 817336-4949 Metroplex Camera Show, 10 a.m. to 5 p.m., Grapevine Convention Center, 1209 S. Main St., Open to the public, adults $5, children younger than 12 enter free with adult. www.donsphotoequipment.com 2 Just Between Friends, 9 a.m. to 7 p.m., gently used baby clothing and children’s equipment, Grapevine Convention Center. 214-535-3465 Annual Bird on the Run Series, 2:30 to 6 p.m., 4 or 1 mile walk or run, Bob Jones Nature Center and Preserve. www.SouthlakeParksAndRec.com Grapevine Opry, 7:30 p.m., George Strait: The music of a Texas Superstar, Palace Theatre, 300 S. Main St. 817-481-8733 9 Grapevine Market, 9:30 a.m. to 2 p.m., near the gazebo. SOS @ Zac's Ridge, 6 to 10 p.m., The Grapevine Convention Center, 1209 S Main St., Grapevine, $25 per person. www.sosinc.org FRI FRI 1 The Grapevine Opry, 7:30 p.m., Gospel Country Showcase. 817-4818733 One Flew Over The Cuckoo’s Nest, Jack Nicholson, Louise Fletcher & Danny DeVito, Palace Theatre, 300 S. Main St. Grapevine. 817-410-3185 or www.grapevinetexasusa.com Just Between Friends, 9 a.m. to 7 p.m., gently used children's clothing, baby equipment at Grapevine Convention Center. 214-535-3465 8 Eleven Hundred, 7:30 p.m., Springs, Palace Theatre, 300 S. Main St. 817-481-8733 Grapevine Market, 9:30 a.m. to 2 p.m., near the gazebo. The Master of the Mind, 7:30 p.m., one of America’s top sleight of hand artists and manipulators of the human mind, David Magee, $28.50, Palace Theatre, 300 S. Main St., Grapevine. 817-410-3185 or www.grapevinetexasusa.com THU $ 2050 Glade Rd. @ Hwy. 121 817- 329-7117 18 FRI SAT 19 SAT 26 SAT FRI FRI 3 SAT 10 SAT OUR WEEKLY SPECIAL!! AUTOMOTIVE CARE CENTER (Located between Hobby Lobby & Lowes) ItalianCarFest, 10 a.m. to 4 p.m., Nash Farm in Grapevine. www.grapevinetexasusa.com or 817-4103185 Vintner’s Auction Classic, 6:30 p.m., benefits Grapevine Heritage Foundation and Texas Wine and Grape Growers Association, Grapevine Convention Center. 817-410-3185 Grapevine Opry, 7:30 p.m., Duets and Lovesongs, Palace Theatre. 817-481-8733 WED THU 4 12 11 30 Grapevine Market, 9:30 a.m. to 2 p.m., near the gazebo. The Master of the Mind, 7:30 p.m., one of America’s top sleight of hand artists and manipulators of the human mind, David Magee, $28.50, Palace Theatre, 300 S. Main St., Grapevine. 817-410-3185 or www.grapevinetexasusa.com Just Between Friends, 9 a.m. to 7 p.m., gently used baby clothing and children’s equipment, Grapevine Convention Center. 214-535-3465 5B WE OFFER THESE SERVICES AND MANY MORE! – 30/60/90 Maintenance – A/C Repair – Battery Service – Bearings, Seals and Gaskets – Belts and Hoses – Brake Service – Computer Diagnostics – Emission Testing/ Repairs Monday-Friday 8 am to 6 pm Saturday 8 am to 4 pm CLOSED SUNDAY – Engine Overhaul – Engine Tune-Up – Fuel Systems – Oil and Lube – State Inspections – Suspension Systems – Tire Rotation and Balance – Wheel Alignments 30 OFF ANY MECHANICAL REPAIR OF $100 OR MORE! Not valid with any other offer. Only one coupon per customer. Must be presented at time of service. Offer good for one week only. Expires 9/20/09 FREE 10VALUE 10 VALUE Brushless $ Car Wash With 16 point full service oil change. Card Not valid with any other offer. One coupon per customer. Must present coupon at time of service. Expires 9/20/09 6B Wednesday, September 9, 2009 Living M REFINANCING Who’s Your Daddy? THE CONFESSIONS OF A MAD HOUSEWIFE Editor’s Note: This is adapted by Michele Valdez from one of her earlier columns in this paper. As a kid, you don’t know the adults that you call mom and dad. Like most children, I was self-centered and didn’t know or care that my parents had interests beyond me. As I get to know my parents as an adult, sometimes I don’t recognize them. It’s like my real parents were kidnapped by aliens. Recently my daughter and I visited my father. It turns our there may be something to my alien theory. My father lives in Yuma, Ariz. Yuma is in the middle of a desert in the middle of nowhere. The terrain looks like the surface of the moon. Coincidentally, on the way to Yuma we spent the night in a desert motel called the Spaceship Lodge. The next morning we ate breakfast at the adjacent Spaceship Restaurant. Spaceship murals covered the walls of the cafe. There were UFO signs and alien bumper stickers for sale. Apparently, there are frequent alien sightings in the Yuma area. My father lives in a mobile home retirement community. Residents must be older than 55, but most look about 80. I think the trailers have a minimum age requirement too. My dad’s is a 1967 “Detroiter” in mint condition. When I was a kid, MICHELE my dad was a sweet, VALDEZ quiet man. He loved music, but wasn’t the showoff type. These days he and his wife have a singing act. They travel to trailer parks and nursing homes for gigs and jam sessions with other geriatric musicians and singers. There was a jam session the weekend we visited. All the trailer park residents showed up and sang along as the arthritic musicians took turns performing hits from the 1930s, ’40s and ’50s. My father sang a few love ballads and ended with a funny tune about pensions. He was as smooth as Dean Martin. The audience loved him. One blue-haired gal told me he has groupies at the nursing homes. Who was this man who looked like my father, but sounded like Elvis? From 1B I had no idea he had musical talent or the nerve to sing in public. And how did he end up living in a Detroiter surrounded by tumbleweeds and UFOs? That night as we got ready for another night’s sleep in the Detroiter, my daughter, sensing my confused feelings, tried to put me at ease. She looked around the trailer and said, “Mom, this is a beautiful place, and they are beautiful people — a little weird, but beautiful.” She helped me realize that I had been unfair to my father. It was time I grew up. My father had a life outside of me and that did not make him an alien. Before we left my father gave me a hug, the kind he used to give me when I was a kid. I felt warmth, love and acceptance. I felt guilty that I hadn’t given him the same in return. When we left Yuma we drove through a border patrol stop. There were armed men, dogs and spotlights. They said they were looking for aliens — illegal aliens. I couldn’t help but laugh. Michele Valdez is a slightly compulsive, mildly angry feminist, past attorney and present volunteer. She lives with her demanding children and husband. DJ’S CUSTOM CABINETS & REMODELING – ALL TYPES OF CABINET WORK AND REMODELS – OWNED AND OPERATED FOR 20 YEARS – TAKES PRIDE IN EVERY JOB / REFERRAL $ 100 off the early years, are usually less than fixed rates. Banks today have so many different refinance options available, you are bound to find one that fits your lifestyle and budget. Before making a move on refinancing your mortgage, ask your institution if they offer loan modifications or a stream-lined refinance. A modification is basically a refinance, but costs less and is done with your current lender. Two of the most common types of mortgage modifications are rate and divorce modifications. Rate modifications could lower your interest rate and help you go between fixed and variable rates, while divorce modifications can remove someone from being responsible for the loan. The cost to do a modification usually ranges from a two hundred dollars to one percent, much less than a refinance. A streamlined refinance is where they can eliminate some of the costs of refinancing — credit reports or appraisal — which help save you money. Lending institutions want to keep your business; use that to your benefit. Do your homework when refinancing your mortgage loan. Discover what options are available to you, if this is the best time for you to refinance and which option makes the most sense. Finding the best option and the one that makes the best financial sense to you can be more than worth the time and effort. Jim Fry works in the financial industry and enjoys helping people save money. ATTORNEY www.southlakelegal.com DIVORCE • PROBATE • CIVIL LITIGATION every $1,000 (must present this ad) www.djscustomcabinets.com • 817-421-4130 Advertising for your lifestyle! CHILD CUSTODY • WILLS • EMPLOYMENT LAW PROFESSIONAL LIABILITY • COMMERCIAL DISPUTES “LET US HELP YOU TO RESOLVE YOUR LEGAL ISSUES” 817-310-5898 817-439-3022 Colleyville Lions Club Presents The 21st Annual Skip McDonnell Memorial Sponsored By: WE’VE ALWAYS TAKEN CARE OF EACH OTHER, NOW I JUST NEED A LITTLE MORE HELP. Isle at Watermere offers an enjoyable lifestyle for residents, including a helping hand whenever needed. • Licensed by the state of Texas for Assisted Living and secure Memory Care • Located within a luxurious, quiet and scenic master-planned community, Watermere at Southlake • Month to month rental agreement with no long term commitment Forest and Martha Johnson Family Foundation • Personalized care directed by a Registered Nurse with LVN and CNAs on duty round the clock • A variety of activities, concerts, lectures and social events are provided • Nutritional meal selections served restaurant style three times daily Locally owned with experienced management by Life Care Services 101 Watermere Drive • Southlake, TX 76092 Call today to arrange a personal tour Vendor #103303 817-431-8668 • www.watermere-at-southlake.com Take care of your diabetic feet and they’ll take care of you! Most diabetics know their number one reason for hospitalization is a foot infection. Caring for your feet is critical when you have diabetes. Prevention is the key. Regular check ups and keeping an eye on the common warning signs is something you should do when you have diabetes. As one of the leading podiatrists in the region, our staff takes the steps to keep your diabetic feet healthy and strong. Take advantage of our free booklet to help take care of your diabetic feet, or someone else you care about who has diabetes. Get our FREE book www.faant.com 1-800-708-7310 ext.800 Be One of Three Daily “Closest to the Hole” Qualifiers Advance to the Final Shootout & Earn a Package of Prizes. When: September 11th-13th, 2009 Where: Bob Moore’s Driving Range 6113 Colleyville Blvd. Colleyville, TX 76034 Qualifying Times Fri., September 11th - Noon to 7:00 Sat., September 12th - 10:00 to 7:00 Sun., September 13th - Noon to 5:00 6:00 Final SHOOTOUT For More Information: Visit www.colleyvillelions.com or the Bob Moore Pro Shop Proceeds benefit the following Lions Programs: P Lions Children’s Camp & Lions Scholarships Grand Prize Comprehensive Conscientious Compassionate Care ph 817.416.6155 2421 Ira E Woods Ave, Ste 100, Grapevine, Texas 76051 www.faant.com $75,000 Cash