May 7, 2021 Issue, Page 6 of 7

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May 8, 2021 7 News elk ciTy Beckham county Man charged with Firearm Felony am county Man charged with Firearm Felony JAil log elk ciTy JAil log co. BeckhAM JAil log ECHS Spring Concert Family and friends came together on Sunday afternoon to support the Elk City High School choir and band for their Spring Concert. Courtesy Photos by Michelle Knight and Tif- BeckhAM co. fani DeWitt Ribbon cutting JAil log at The Vogue Boutique held Saturday elk ciTy Reed Reads & Retail elk ciTy JAil log If the OPEN flag is flying, JAil log I’m selling, trading and buying! 116 N. Mangum Ave, Mangum, OK • Earl D Reed, Sole Proprietor 580.821.4376 Open Saturday 9 a.m. to 5 p.m. or by appointment BeckhAM co. Elk City Chamber of Commerce held a ribbon cutting to celebrate The Vogue Boutique’s 15th anniversary in business this past Saturday. Courtesy photo. BeckhAM co. JAil log JAil log Providing Comfort and Support for End of Life Choices First-time homebuyer? Follow these steps Is homeownership a goal of Check your credit score. A – and try sticking to it before Hospice care provides medical services, emotional support, and spiritual re- yours? It does offer some ben- higher credit score gives you you buy the house. If you have sources for people who are in the last stages of a serious illness, such as cancer efits, in addition to meeting a better chance for a lower in- extra savings, put it toward your basic need for shelter. The terest rate. You can request a your down payment. or heart failure. Hospice care also helps family members manage the practical equity you build in your home credit report from annualcre- Prepare for unexpected details and emotional challenges of caring for a dying loved one. can be a valuable financial as- ditreport.com, and you might costs. You can plan for your set, and you may get to deduct be able to get a credit score mortgage, utilities, taxes and For questions regarding hospice service or eligibility, contact: your interest payments on your for free from your bank. If you insurance – but when you taxes. But if you’re a first-time need to improve your score, own a home, you’ll always en- Carrie Perry, RN/ Adminsistrator homebuyer, what steps should you may want to delay your counter unexpected costs. You you take? home purchase. may need to get a new fur- First, make sure the time is Learn how much you qualify nace, repair your roof or face Pat Welsh, RN/ Coordinator of Patient Care right for you in terms of your for – and how much you should any number of other mainte- personal and financial situ- spend. Once you think you’re nance issues. To help prepare ations. For example, are you ready to begin the home- for these costs, try to build an Some of the most common conditions are: fairly confident that your em- purchasing process, you may emergency fund containing • Cancer • Failure to Thrive • End Stage Cardiac Disease (CHF) ployment is stable and that want to contact a few lend- three to six months’ worth of your earnings won’t decline? ers to determine the size of living expenses, with the mon- • End Stage Cerebrovascular Disease (CVA) • End Stage Amyotrophic Of course, external events can the mortgage for which you ey kept in a liquid, low-risk ac- Lateral Sclerosis (ALS) • End Stage Pulmonary Disease (COPD) also play a role in your deci- qualify. Be aware, though, count. Without such a fund, sion. A recent study by Morn- that just because you can get a you might be forced to dip into • End Stage Liver Disease • End Stage Renal Disease • AIDS/HIV ing Consult and Edward Jones mortgage of a certain amount, your long-term investments or • End Stage Neurological Disease such as Parkinson’s or Alzheimer’s found that 12% of respondents does not necessarily mean that take on added debt to pay for postponed purchasing a house you should. You don’t want to these unanticipated expenses. during the COVID-19 pandem- become “house poor” – that Homeownership can be a re- Carrie Professional, Passionate ic. is, you don’t want to spend so warding experience – and the Perry, RN Professional, Passionate But if you’re ready and eager much on your house payments rewards will be even be greater for homeownership, consider that you are cash strapped and when you’ve “done the num- Advance, Attentive... Advanced, Attentive the following moves: can’t afford to save for other bers” and prepared yourself Save for a down payment. goals, such as college for your financially. ..Our differenceIsisOur Our Difference our Care care The more money you put down children or a comfortable re- for a home, the lower your tirement. You may want to es- This article was written by Ed- monthly payments, although tablish a budget for how much ward Jones provided by Robert there’s also a point at which you can readily afford to pay Stephens of Edward Jones Finan- Have you ever considered becoming overly large down payments for your mortgage each month cial Advisor. can be financially unwise. a hospice volunteer? However, if you can make a A fulfilling experience in the spirit down payment of more than 20% of the purchase price, you of giving and receiving. can generally avoid having to pay for private mortgage insur- Edward Jones, Member SIPC C ance on top of your monthly payments. Also, as a first-time d Jones | 2014 W. 3rd | Elk City, OK 73644 omforting homebuyer, you might qualify for down payment assistance (580) 225-3156 | r from your local or state hous- Robert Stephens | F ands Hospice LLC ing authority or a nonprofit group. ephens |(580) 225-3156 Financial Advisor | [email protected]