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Understanding Interest Rates
(NAPS)--If you've ever had a
mortgage, a car loan or a student
loan, you know that today's econ-••
omy is fundamentally linked to
interest rates--and understand-
ing them can make a difference in
your own finances.
To help, one of the world's lead-
ing derivatives exchanges created
a new video to explain interest
rates and the economy.
Called "The Ins and Outs of
Interest Rates," it shows how
businesses manage interest rate
I risk and how that affects both
banks and their customers.
i
A new video helps you understand
: the ins and outs of interest rates.
i For when take out
example,
you
i a mortgage, the lender determines
the rate of interest on the loan. This
rate is heavily influenced by the
overall economy's interest rates.
The bank, in turn, pays inter-
est to the Federal Reserve Bank,
the central banking system of the
United States. Think of it like
this: If the bank is your lender,
then the Fed is the bank's lender.
Since these interest rates move all
the time, the bank is constantly
exposed to price risks that will
shape how much money it loans
out, and at what rate.
"The topic of home mortgages
and interest rates is extremely
important for the U.S. financial
system. Given the current climate,
we wanted to outline the impor-
tance and value of managing inter-
est rate risk on the economy and
on individuals--whether they are
in the markets or not," explained
Anita Liskey, CME Group Manag-
ing Director, Corporate Marketing
& Communications.
With easy-to-understand con-
tent that everyone from students
Hinton Elks 821
Summers County High School Hinton Elks Lodge 821 recognize
Jamison Hamm for the month of August and Ashton Bennett for the
month of September. Golf Players of The Month for Summers County
High School.
(NAPS)--By adopting a pet
from a rescue shelter, you can be a
part of PetSmart Charities' mis-
sion to end pet homelessness in a
generation. For more information,
go to www.petsmartcharities.org.
***
IDShield monitors your iden-
tity and will spend up to $5 mil-
lion to restore victims' identities
to pre-theft status. Learn more at
www.IDShield.com.
Generac Power Systems offers a
I
cate eye area. Learn more at
w~vw.kiehls .com/pslrc.
to experienced market participants
can find informative, Futures Fun- broad range of backup power solu- * * *
damentals, the online resource tions, from portable generators to Since 2012, the Verizon
behind the video, takes investing automatic home backup power sys- Foundation has awarded cash grants
concepts such as futures, hedging tems to commercial and industrial to 58 winning teams in the Verizon
and speculating and shows thegenerators that, in the long term, Innovative App Challenge. To learn
essential role they play. The goal is could save millions and provide peace more and enter the challenge, visit
to make financial education an of mind. Learn more at verizon.com/AppChallenge.
engaging experience for anyone,www.generac.com. * * *
i regardless of how well versed he or .,. To help inform consumers
she is in the world of finance.Kiehl's Powerful-Strength about the factors that determine
You can learn more ab~ut~.~ -,. Line,Reducing Concentrate is 10.5 the price of meat, CME :Group has
i and t}L~er:~videos at www.fut~ercent vitamin C,~ a formula ' " " " ........ " a
fund~ntals.com, • .... proven to reveal improved skin vide0'us~g a comblnatio'i~ 0flive
texture and radmnce. Kiehl s Pow- action and animat~0n tb 'explain
erful-Strength Line-Reducing concisely and clearly what deter-
Eye-Brightening Concentrate mines food prices. It is available
offers similar benefits to the dell- at www.futuresfundamentals.com.
Every U.S. bank note, regardless
of value, weighs one gram. That
means 454 bills weigh one pound.
When someone or something is said to be on the level, it is thought
to be honest or as advertised. The expression is taken from the ritu-
als of Freemasonry. The level is an instrument of builders. As a sym-
bol, it stands for equality.
The average American eats about
70 quarts of popcorn a year.
36th Annual Craft & Art Sale
Country Craft Guild is proud to
announce we are celebrating our
36th Annual Craft & Art Sale
November 5 9:00 a.m. to 3:00 p.m.
at the Chuck Mathena Center 2
Stafford Commons, Princeton, WV.
High quality locally made arts
and crafts. Free Admission,
refreshments and door prizes Email
countrycl aftguildC~ahoo.com. Or
find us on Facebook!
It's
getting late early,
--Yogi Berra
SUMMER HOURS
The Campbell- Flannagan
Murrell House Museum will be open
each Saturday from I p.m. to 4 p.m.
throughout the summer. Tours can
also be arranged by calling the
Museum's number 304-445-5769.
Stop in for a free tour of Hinton's
oldest Railroad home at 422
Summers Street. cfm--fmh.org, or
see us on facebook.com
VETERANS MUSEU~
SCHEDULE
The museum will be open at 419
Ballengee Street each Saturday
through November 5 from noon until
4:00 p.m. An unique opportunity to
view history from the Early Frontier
to the pres%nt day world is provided
its by numerous displays. Tour
guides will be present. Admission is
free. ,.
• NEWS ARTICLES
General Information and Writing Tips
• The newspaper welcomes news submissions concerning club
activities, sports, birthday announcements and anniversaries,
engagements and weddings, academic honors, church activities
and all community activities.
• Everything submitted is subject to editing and all news articles
run without charge and run on a "space available" basis.
• Either type or legibly print your article, using upper and
lowercase letters (NOT all caps). If possible, double-space
between lines to allow room for copy editing marks.
• The basic elements of a news article are: Who, What, When,
Where and Why. Make sureyour story includes all five W's.
• Write your news article in the third person (he, they, their), not
the first person (I, we, our).
• Double-check the spelling of names and places mentioned in
your story, and make sure the date(s) of your event matches
the day(s).
• Always include the name and daytime telephone number of a
contact person in case there are questions about the news item.
E-Mailed Articles
• The best way to send an article via'the Internet is to include
the text of the article in the body of the e-mail and not as an
attachment. Text in Word format is acceptable, but the
newspaper cannot accept Wordpad, WordPerfect or Publisher
files. To be safe, cut and paste into the e-mail.
• Do not send text as a jpg or any other type of graphic file. An ,
accompanying picture should be sent as a high-resolution jpg.
• See "How To Get Into Print - Photographs" for more information
on submitting photographs. " .
P O Drawer t OOO
Hinton, WI/2595t-'1000
hinton'1000@aol.com
!
v~.W MEETING "~
V.F.W Casey Jones Post 4500
meetings 3rd Monday 7:00 p.m.
monthly at Veterans Museum 419
Ballengee St. Hinton. Veterans
Needed.
Call 304-250-4152•or 304-573-
3550 for more information.
Tues. Sept. 20, 2016 Hinton News - 5
The morning cup of coffee has an exhilaration about it which
the cheering influence of the afternoon or evening cup of tea
cannot be expected to reproduce.
---Oliver Wendell Holmes
Paid Political Advertisement
An important message from _William A. 0'Brie___n,
Democratic candidate for the West Virginia House of
Delegates, to the voters of District 28, Summers, Monroe,
:. and the southern precincts of Raleigh County.
,,Toward a Second Constitutional convention''
In a Charleston Gazette op-ed piece earlier this year (February 12,
2016), I expressed a serious concern ["Heed Madison's Warnin Against
Deceitful Demagogues"] about American Legislative Exchange Council
[ALEC ] efforts to stampede compliant, unsuspecting Republican state
legislatures into approving a call for a second Constitutional Convention
under Article V. Koch money pouring into the state was an issue. West
Virginia was my principal concern. Irreparable damage to the
Constitution was an overriding consideration.
In March, the West Virginia legislature became the 28th state of the 34
needed to convene such a convention. House Bill 2424, as passed,
contains language seemingly intended to prevent a runaway convention.
It replaced a defeated Senate measure [SR 10] that would have granted
the proposed convention the kind of latitude its most committed sponsors
sought, to "limit the power and jurisdiction of the federal
government and limit the terms of office for its officials and for
members of Congress." On a straight party vote, Senate Republicans
unanimou ;ly approved it.
Under the guise of passing a Balanced Budget Amendment, a called
convention under Article V of the Constitution would, in fact, constitute
a virtual "blank check" to make additional changes to the Constitution.
The only example we have to go by, let's remember, was the 1787
convention itself. Called ostensibly "to revise the Articles of
Confederation," this sole guiding precedent, our only predictor of what
might happen, was a runaway convention.
Republican strength in the House was not sufficient to approve the
Senate resolution, there's little doubt the damage a few more Republican
seats in the House would have wrought. And that's only if the limitations
off the Right!s most committed ideolo ues
" ............ ""' .............. " ""in
a -for-all, Ab g : f, deed.,.:,
M dis n; e acknowledged "father"
of the Constitution," alerted citizens to the schemes of such
demagogues. In Federalist#55, he warned of those who would use
what he termed "the dark view of human nature" to deny citizens the
right to self-government. If what enemies to self-government say about
man's evil nature were really true, Madison wrote, we'd have no choice
but to conclude that "there is not sufficient virtue among men for
self-government; and ... nothing less than the chains of despotism
can restrain them from destroying and devouring one another."
Man governing himself is a dream that can never happen.
Madison had warned in an earlier paper [Federalist #49] that such a
called convention would likely be dominated by "the very men who
had been agents" in calling it. It would not be the good sense of the
public that would prevail' he reasoned, but rather their "passions." In a
republic, he concluded, "it is the reason, alone, of the public, that
ought to control and regulate the government. The passions ought
to be controlled and regulated by the government."
So there we have it From the same man who gave us the Constitution
BEWARE OF THOSE WHO WOULD DUPE CITIZENS
INTO BELIEVING THEIR PLANS TO RESTRUCTURE
OUR CONSTITUTION ARE DESIGNED TO BENEFIT
US. MOST LIKELY, THEY'RE INTENDED TO SERVE
THEIR INTERESTS, NOT OURS. WE LIVE IN
PERILOUS TIMES. EMOTIONS RUN HIGH. VERY
QUESTIONABLE SOLUTIONS EXTREMELY
COMPLEX PRESENTED,
MOST ARE HYPED; FEW ARE EVALUATED
SERIOUSLY. THIS IS NOT THE TIME PUT THE
CONSTITUTION ON THE TABLE REVISION,
ONCE WE DO, WE'LL NOT HAVE A CHANCE TO
CHANGE OUR MINDS,
Sometimes, being a loyal team player isn't all it's cracked up to be. We
see every Sunday the NFL version of doing your job, following the game
plan. It seems always tO work. But when it comes to representative
government, it's the best interests of constituents, not absentee script
writers looking to loyal, robotic yes-men to follow orders that must rule
the day.
Your vote in November is critical. Make sure it goes to a candidate of
principle. Vision. One who has your best interests at-heart. Being "a
good guy" is important, but in this game it's notenough. Not.if that good
guy is marching to a drumbeat comingfrom somewhere other than his
own constituents.
THANK YOU! Paid for by William O'Brien " "" ... "