European Stars and Stripes (Newspaper) - August 18, 1991, Darmstadt, Hesse                                Page 16 a the stars and stripes sunday August 18, 1991, Money matter Sloan scams prey on homeowners Check Lender if mortgage changes hands by David w. Myers the los Angeles times loan servicing scams continue to spread across the nation despite a variety of consumer education campaigns being run by lenders and a handful of Trade groups. The scams have recently surfaced in several Southern states including Virginia and North Carolina. Homeowners in California Colorado Washington d.c., and several other areas have previously complained about being swindled. In a typical loan servicing scam the Homeowner gets an official looking letter from a company that says it has recently bought your loan from the original Lender. Or the letter states that the company is taking Over the duties of processing your monthly payments. The letter also instructs you to begin sending your payments to the new company immediately and might even include a Book of loan payment coupons. If you Start sending the new company checks without first verifying the letters authenticity you might lose hundreds or even thousands of dollars before you figure out that you have been duped. Equally bad you will also be responsible for making bade payments to your rightful Lender who May put Black Marks on your credit record that can be hard to erase. A Loans get bought and sold All the time so a lot of people just Start sending checks to the new address a said Warren Lasko executive vice president of the mortgage Bankers association. A if you get one of these letters play it Safe and Check the new company out first. A Little legwork now might save you lots of Money and aggravation  if you get a notice saying that your loan is being transferred Lasko said following these guidelines can help you avoid being ripped off a get a a goodbye letter from the original Lender or loan services confirming that your loan is being transferred to another institution. It should state the name of the new company its address and the name and phone number of a Contact person or department. The letter should also specify where and when the next payment should be sent. A obtain a a Welcome letter from the new Lender or servicing company. It should have the same information As the goodbye letter. A make sure that both the original Lender and new loan services have your current address to ensure that you will get any correspondence in a timely matter. Double Check your Loans account number to be sure it is accurate. A scrutinize the first few monthly statements you get from the new Lender to make sure it is properly crediting your account for each payment you make. A also make sure that you Are being properly credited for any payments you make into impound or Reserve accounts for taxes insurance and the  rates Cut for a Home Loans by the los Angeles times Washington a the department of veterans affairs last week lowered the maximum interest rate for federally backed a Home Loans to 9 percent from 9.5 percent. Under the new rate payments on the typical a loan of $80,000 would be about $643 a or $29 less than payments under the old rate. In most parts of the country qualified veterans can borrow up to $184,000 under the a program without making a Down payment. The Money can also be used to renovate or refinance an existing House or manufactured Home. Although Many veterans do not realize it they can often get a a loan even if they have used the program before. There Are two Basic requirements that veterans must meet to a a reuse the a previous a Loans must be paid in full and veterans can no longer own the property that was originally financed. It is important to note that these two rules do not automatically exclude veterans from Selling their current a financed Homes. Instead lenders who Are making the new loan would simply Issue loan approval contingent on proof that veterans have sold their current House and paid off their mortgages a two actions that usually occur on the Day that escrow closes on the Sale of the Homes. The new Lender then presents proof to the a that the old loan has been paid in full and is Given permission to make the new a loan. Since it can take a few More Days to get the vans final approval Many veterans work out a Deal to rent their old Home Back from the new owners until the new loan is funded Adam touted As modern father of Anatomy Marietta a. A Adam a Small but muscular fellow who wears Only sunglasses and a Fig Leaf May eventually revolutionize the Way Medicine is taught and practice. While Adam stands at the ready the Click of a computer mouse a directing an interactive software program a peels off his layers from his skin to his Bone marrow. The software program takes Anatomy out of the textbook and into a computer. With it medical students can dissect without cadavers and doctors can show patients exactly what they Are about to do to them. A no one has Ever illustrated Anatomy in this kind of detail a said Greg Swayne the medical Illustrator who is president of . Software inc., a medical illustration company. A whal Well end up no Mutual because of transmission problems the Mutual fund quotations were not available for this edition. With is the grab s Anatomy of the 21st Century a he said referring to the Standard Anatomy text. Educators and doctors say they Are intrigued by . A a in be got 20 years teaching Anatomy to medical students and in be seen a lot of different Type innovations come and go a said or. Andrew f. Payer associate professor of Anatomy and neuroscience at the University of Texas medical Branch at Galveston. A i really believe this particular program is probably the most innovative in be seen with the most  . Stands for animated dissection of Anatomy for Medicine but Swayne admits the acronym came first. The design team is working its Way up Adams body. The foot and lower leg went on the Market in january. The knee and hip Are almost done. The thoracic Region upper extremities and head and neck will follow within two years Swayne said. . For macintosh computers Sells for $3,450 ism users pay $3,750. A computer screen illustrates some of the . Programs Anatomy. A Northwest airlines settles discrimination suit St. Paul Minn. Up a a Federal judge on Friday gave final approval to a settlement of a class action race discrimination suit brought against Northwest airlines. Attorneys for the Black Northwest airlines employees who filed the suit in mid-1989 said the settlement was Worth Art estimated $20 million to $40 million. Northwest based in St. Paul agreed to set aside about $3.5 million Over the next five years to enhance hiring and promotion opportunities for Black employees. The airline also will pay $535,000 to 28 plaintiffs plus provide jobs and promotions. Other trials will be held for As Many As 10,000 other Black employees and applicants to pursue their claims. Sprenger amp Lang the attorneys for the Black employees in the Case received $465,000 in attorneys fees plus $200,000 in airline tickets Over the next 10 years. In addition the firm will represent the claimants in the other trials at Northwest a expense. The trials will be handled by three examiners to be selected jointly by the airline and the attorneys for the plaintiffs. Northwest denied any unlawful conduct but said the settlement is a fair and reasonable Resolution of the Case. The settlement agreement had been submitted to . District chief judge Donald Alsop for preliminary approval on May 28. The Case was started by Northwest employee Christopher Aburime a twin cities based systems analyst. The suit charged that the airlines hiring promotion and termination practices discriminated against Black Job applicants and employees nationwide. Northwest will set up a career resource Center with a budget of nearly $1 million to identify Blacks As potential candidates for promotion and management jobs