East Cedar Creek Freshwater Supply District meets at
12:30 p.m. the third Wednesday of each month at the ECCFSD
office on Hammer Road just off Welch Lane in Gun Barrel City.
Eustace City Council meets at 7 p.m. in the Eustace City
Hall the first Thursday of each month. For more information,
please call 425-4702. The public is invited to attend.
Eustace Independent School District meets at 7 p.m. the
third Tuesday of each month at the Eustace High School Library.
For more information, please call 425-7131. The public is
invited to attend.
Gun Barrel City Council meets in Brawner Hall at 6 p.m.
the second and fourth Tuesday of each month. For more
information, please call 887-1087. The public is invited to
Gun Barrel City Economic Development Corporation meets at
1831 W. Main, GBC, at 6 p.m. on the third Tuesday of each month.
For more information, please call 887-1899.
Henderson County Commissioner’s Court meets every Tuesday
at 9 a.m. in the Henderson County Courthouse in Athens. The
public is invited to attend.
Henderson County Emergency Services District #4 meets at
7 p.m. the third Tuesday of each month at 525 S. Tool Dr. in
Henderson County Historical Commission meets the first
Wednesday of each month at 1 p.m. in the HC Historical Museum.
Kaufman County Commissioner’s Court meets the second and fourth Monday of each month in
the Kaufman County Courthouse in Kaufman. The public is invited
to attend. Call for times, (903) 498-2013, ext. 2.
Kemp City Council meets at Kemp City Hall at 7 p.m. the
second Tuesday of each month. For more information, please call
498-3191. The public is invited to attend.
Kemp Independent School District meets the third Tuesday
of each month in the Board Room in the Administration Building.
For more information, please call 498-1314. The public is
invited to attend.
Log Cabin City Council meets the third Thursday of the
month in city hall. For more information, please call 489-2195.
The public is invited to attend.
Mabank City Council meets at 7 p.m. in Mabank City Hall
the first Tuesday of each month. For more information, please
call 887-3241. The public is invited to attend.
Mabank Independent School District meets at 7:30 p.m. the
fourth Monday of each month. For more information, please call
887-9310. The public is invited to attend.
Payne Springs City Council meets at city hall at 7:30
p.m. every third Tuesday of each month. For more information,
please call 451-9229. The public is invited to attend.
Payne Springs Water Supply Corp. meets the third Tuesday
of each month at 1 p.m. at the Payne Springs Community Center,
located at 9690 Hwy. 198.
Seven Points City Council meets at 7 p.m. in Seven Points
city hall the second Thursday of each month. For more
information, please call 432-3176. The public is invited to
Tool City Council meets at 6 p.m. in the Oran White Civic
Center the third Thursday of each month. For more information,
please call 432-3522. The public is invited to attend.
West Cedar Creek Municipal Utility District is held at 5
p.m. the fourth Monday of each month. For more information,
please call 432-3704. The public is invited.
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Couple shine positive
light on Boy Scouting
By Pearl Cantrell
Monitor Staff Writer
GUN BARREL CITY–Denise and Jeff Irion presented Boy Scouting
in the lake area in a positive light Wednesday while
speaking to the Kiwanis Club.
“There are 36 scout troops within 30 miles of Gun Barrel
City,” Jeff Irion said.
He has made Boy Scouting a part of his life, having been
reared by an Eagle Scout dad, achieved Eagle Scout himself,
and has an Eagle Scout son (Max), with another Eagle in the
He explained that boys 11 and younger fit into the Cub
Scouts with boys 12 and older crossing over into Boy Scouts.
Attorney Jeff Irion tells Kiwanis members that he has been
involved with Boy Scouting his whole life, as was his father
before him and both his sons.
Denise Irion added that 10 years ago nationally and just
last year, locally, a co-ed branch of scouting called
Venturers, was formed in Mabank, meeting at the First
Presbyterian church monthly.
Venturers are ages 15 to 21. Denise Irion said that by
August, 2012, the Venturers will likely take two crews of 12
members each on an outdoor survival challenge to Philmont
Scout Ranch in Cimarron, N.M. for the adventure of a
In recent years, Boy Scouting has taken a beating from news
reports of young people being preyed upon by pedophiles
among the leadership, Jeff acknowledged.
Since then, new rules have been in effect to prevent putting
kids at risk.
Every leader and adult volunteer must go through a criminal
background check, take several on-line courses on ethical
behavior and guidelines that must be followed, he said.
For instance, no leader can even drive a single child to his
house or anywhere. “It always requires two adults,” he said.
During monthly Boy Scout camping trips, adults use separate
restroom and sleeping facilities, he added.
First aid and safety are highly stressed for both Cub Scouts
and Boy Scouts, along with the earning of merit badges.
Emergency management training is added at the Boy Scouting
level, as are monthly camp-outs, in which the boys lead all
the activities. Leaving no traces of having spent any time
camping in a given location is also stressed for
“Very few fires are ever lit, we use small kerosene camp
stoves,” Jeff Irion said.
“Boys are given the opportunity to succeed and fail at a
task. They learn best by their mistakes,” he added. And
parent participation is high. “There are no secret societies
in Boy Scouts.”
There’s a huge difference between a Cub Scout and a Boy
Scout. The Boy Scout troop that meets at the Mabank First
United Methodist Church has been successful in turning out
Eagle Scouts at a 90 percent rate, Jeff Irion said. The
troop now averages about 30 members.
“We need people to say good things about scouting. Too
often, we hear how boys are taunted for their involvement in
Boy Scouting. But I’ll tell you that if there is a disaster,
you want a scout near by,” he said.
Recruitment for Boy Scouting begins in late August at the
First United Methodist Church in Mabank, or call the Irions
at (903) 451-3823.
Realtors hear new rules
for mortgage industry
By Pearl Cantrell
Monitor Staff Writer
GUN BARREL CITY–Realtors, lenders and home appraisers got a
peek at some of the new requirements legislated by Congress
to effect mortgage reform.
Out of the 2,319-page document about 200 pages address the
mortgage industry and none of the pages address changes to
Fannie Mae or Freddie Mac.
President and CEO of First State Bank Jess Laird pointed out
that since 75 percent of all the mortgage loans are through
this program, he’s wondering how big an impact the new
legislation will actually have on the country.
“The USDA is still doing 97 percent loans (while it is
highly recommended to other lenders that borrowers provide a
20 percent down, financing 80 percent),” he noted.
First State Bank president and CEO Jess Laird speaks to
local real estate agents on changes in federal finance rules
“In the bill, it states that Congress recognizes the need to
reform these governmental services,” he said. However, now
Congress is focused on the debt ceiling, and decreasing
funding for government programs.
“Reforming Fannie Mae and Freddie Mac seems to have fallen
off the radar,” he said. The estimated cost of the failed
mortgages financed by Fannie Mae and Freddie Mac is set at
$5.3 trillion, Laird said.
Laird was the guest speaker at the quarterly meeting of The
Henderson County Board of Realtors held at Vetoni’s Italian
Restaurant in Gun Barrel City July 13. “I’ve read all 200
pages that affect us and if you look it up online, you can
start on page 2,072,” Laird said.
One change that takes effect in 2013 is an added 3.8 percent
tax for those whose Adjusted Gross Income is greater than
$250,000 a year and whose gains are bigger than $500,000 on
the sale of property ($250K, if single). This is on top of
the standard 15 percent tax rate.
Laird also noted that the new laws require a seven-day wait
after the signing of the good faith estimate and disclosure
documents, and that “High Priced Mortgages” have to prove up
income for ability to repay before it can go into escrow.
If a borrower finds he cannot continue making his loan
payments and can prove that the lender did not “prove up”
his ability to pay at time of closing, he cannot be held
liable for the repayment of that loan, Laird explained.
However, if the loan is a qualified mortgage, it offers a
safe harbor for lenders against a lawsuit, he added. There
are exemptions for refinancing.
This requirement is going to affect those buyers who are
self-employed because it is hard to prove their income, but
now it has to be done no matter what their credit score or
credit history shows, Laird said.
Rules affecting lenders require them to register with the
Nationwide Mortgage Licensing System, so “we’ll have to be
fingerprinted and get a background check and be identified
with a unique number,” which is required to be printed on
all stationary, business cards, advertising and loan
applications, he said.
The new law also prohibits lenders from steering borrowers
with incentives (page 2081). Instead, borrowers must be made
aware of the choice of mortgages a lender offers.
“That’s to limit lenders from making only sub-prime loans,”
The new law creates the Consumer Financial Protection
Bureau, which under the new rules:
• affect balloon payment loans,
• reset hybrid adjustable rates – low introductory rates
carry high qualifications, discouraging them,
• require loan counseling, which may have to come out of
• nix a low introduction interest rate
• limit late charges, and
• require value appraisals for high cost mortgages, which
cannot be billed to the buyer.
“Most likely, the lender will have to pay for this,” Laird
On a positive note, the Office of Housing Counseling is to
track defaults and foreclosures, creating a useful database,
Laird pointed out. Also, the proposed new Truth in Lending
Disclosure and Good Faith Estimate forms look simpler.
They can be viewed at cfpb.gov, he said.
The new rules also require ongoing escrow accounts to ensure
property tax payments, etc. with a few exceptions, he added.
It requires a disclosure if consumer waves escrow for tax
purposes, amounting to yet another piece of paper for the
Kemp to buy tornado sirens
Blair Communications to install sirens at
By Barbara Gartman
Monitor Staff Writer
KEMP–Sudden spring storms and fall tornado season
approaching, both the city of Kemp and the school district
are planning to be prepared and warn citizens when the
weather turns dangerous.
July 12, the city council approved a bid from Blair
Communications for up to three sirens at a price of $2,945.
The amount includes installation and a study to see where
the sirens would best serve the city and surrounding area.
An optional $1 per month on citizens water bills has been
accumulating toward the siren purchase.
“We’re good for two already,” Mayor Donald Kyle explained.
The school district has also expressed interest in the
purchase of a siren, however it is looking into whether or
not its contribution must be used on school property.
Suggested installation points include the grounds of the
high school, primary school or each end of the city.
The exact locations will be determined by Blair
In other business, council members;
• named Kyle to serve on the Economic Development
Kyle replaces Andrew Hadley, who has moved out of the area.
“We will be back in September to fill the expiring positions
at that time,” EDC president Billy Teel Jr., said.
• discussed possible incentives to entice new businesses to
the area, such as tax abatements, sales tax discounts and/or
funds from the EDC. Members are especially interested in
attracting a grocery store to the city.
“We are going to have to come up with a big chunk of money
to entice a grocery store,” Teel explained.
• decreased late fees on city water bills to 10 percent of
“We cannot legally charge $30 so we will take it back down
to 10 percent,” Kyle explained.
• added a new category to section 12, titled “Mobile Food
Vendors” with corresponding permit fees.
City attorney Terry Welch wrote up the ordinance for
approval at the direction of the council.
• received department reports from public works, municipal
court and police department.
The municipal court collected $16,338 for June.
Public works reported the installation of 102 new AMR water
meters, also 20 new customer meters were added.
The police department listed 129 citations for the month.
The Humane Society of Cedar Creek Lake
have many animals at the
Humane Society of Cedar Creek Lake
in Seven Points
in dire need of a good home.
Please call or stop by the Humane Society today
and rescue one of these forgotten animals.
The Humane Society of Cedar Creek Lake
is located on
10220 County Road 2403 in Seven Points.
For more information, please call
(903) 432-3422 after 11 a.m.
We are closed on Wednesday and Sunday.
information visit our website at petfinder.com