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    Articles by Richard Elfers
    Editorial | Get elected, lose a bit of freedom | Rich Elfers
    Editorial | Get elected, lose a bit of...
    By Richard Elfers • May 8, 2012 4:52 pm

    I was elected to the Enumclaw City Council in November 2008. In January 2009 I attended a workshop for newly elected officials workshop where I was trained in the art of being a good public servant.

    Read Story

    In Focus |  Pay now, or pay even more later | Rich Elfers
    In Focus | Pay now, or pay even...
    By Richard Elfers • April 30, 2012 7:25 pm

    I watched the April 24 Enumclaw City Council meeting with dismay when the topic of funding our streets came up for a vote. Since 2007 the city has paid consultants more than $27,000 to do evaluations of our streets. The findings were that the longer we wait to fix our streets, the more it will cost us.

    Read Story

    Adjustable rates mortgages still a problem | Rich Elfers
    Adjustable rates mortgages still a problem | Rich...
    By Richard Elfers • April 23, 2012 6:39 pm

    Recently I received a second offer in the mail to finance the purchase of a house using a low rate adjustable mortgage (ARM). My first reaction was to think, “Déjà vu.”

    Read Story

    Be realistic about your finances before taking on an adjustable rate mortgage.
    Adjustable Rate Mortgages still a raw deal |...
    By Richard Elfers • April 23, 2012 5:55 pm

    ARMs were created in 1982 to make borrowing easier. The advantage was low interest rates for the borrower. The Federal government wanted people to be able to buy homes because it spurred the economy. Once Americans got a new home they were likely to fill them up with washers, driers, refrigerators, and furniture. These purchases would further spur the economy, especially in the real estate industry, banks, construction, and insurance companies, creating jobs and wealth in a ripple effect.

    Read Story

    What politicians say and what politicians mean are often two different things. Only experience will help you distinguish them.
    Guest Editorial | The reasons for elected officials’...
    By Richard Elfers • April 17, 2012 2:01 pm

    The first clue to find out what is going on in local government is to come to council meetings on a regular basis, at least until you understand the personalities, perspectives and agendas of the various council members. Watching the program on television at home can give you some clues, but actually observing body and facial language and tone of voice can give you deeper understanding. Much of that can only be gained by actually being in the room.

    Read Story

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