Getting the Full Market Value out of Your Home
_ ? _ _ *
!f sou' tv considering selling
\our c\is!!41lv home, an objective
iru! thorough look at \our home's
interior and exterior will ensure
_fh.it your home will he sold more
. quickly and that you will receive its
'full market value. .
I:irst, consider your home's
curb appeal." Is the lawn well
kept and neatly mowed? Has
~Tn\ ibberv been well maintai ned
and nicely trimmed? From the out
side. do windows, window screens,
i"ii iy doors and storm doors appear
^ he in .good condition? l)oes the
roof appeat to be sound .' t.hlvk
walkways and driveways for signs
ol deterioration ii is imperative
that you clear away all rubbish,
around the structure, including dis
carded or excess lurniKire. old tools
and equipment, barbecue grills, etc,.
.Hithei place these items in storage
or have them hauled away.
Second, evaluate the interior
~ot your home. The watchwords '
here are "conservative;" "opera-*'
hie." and "cleanliness." Make sure
that all lighting , fixtures.
.ranges/ uvr:,ns I i>rnace-? ? .1.1 r condi
tionih*! s> stems', and' plumbing uv
in proper working c nciihon. 11
\ <.>u discover p:ohlem>, call in. a
repairman."
lake a look at the interior
walls, wood trim and floors. II
necesam^y. touch tip interior paint
and shampoo carpet. Replace any
wallpaper and/or paint which does
pot pass the "Is it conservative >v
test. You should he aware that
gaudy and/or outlandish decorating
w ill turn c>tT prospective buyers and
reduce your chances of receiving
the lull market value <-?i'v o* im.i
t )nce >ou ha\e clone all th;fo
needed, to get vour home hi "tip
top" shape. "remember that your
real estate agent will- need to show
\oui home to prospective buyers.
While your home is on the market,
\ou will need to kceV> it spotless
and randy to "show."
? With careful planning and
preparation, your home will bring
its full market value and you will ?
/
be on your way to your neu home!
H v Davitf Cooper ,
ar Home Loan Wi If S a vf Y o i * M on c \
-
;nuvii\ h- interest. m? tue n?an ha
u.uv 01 prmcipitr. went dowr? \c r~
"> ! I >\V I V. "
Over the lasl tew years,
loans with shorter terms have
become increasingly more popular,
mainly because the lower interest
rates which have made housing
more affordable.
? Perhaps the most popular
term today is the 15-year loan. It
^ tkCkl> illki COtli;.
he hiy.nor (v i ? ^ ; ; Tin- , are to?
example only The loan amount in
both examples is $50,000.
In the example, the, monthly
payment for the 15-year loan
would be $91.72 higher than the
payment for the 30-year loan. This
additional money each month cuts
the number of years in half, and
-7^
V
1 ? i ? . ? ' .'.Ilk . ? ? ' 1 . . 1 j n 1 ? 1 ' .!?<?'
-4 \ AM1'! !?(?! l'AV Mi-.\ I .?"! i i< V ?( N'l ^ '
TERM RATH
30 years 8.757r
15 years 8.25%
MTHLY I'YMN I
$393.36
$485.08
TOTAL t'AYMNT
S 14 1 ,609.60
'$ 87.31-4.40
faster. Even a buyer who plans to
live in a home only for a few years
will find advantage*, since he will
and to find out which term best
suits your needs, call one of their
loan officers at 770- 1 (XX).
The Toolbox ? Don't Be Home Without It
From the new homeowner facing those
home maintenance chores for the first time,
to the experienced do-it-yourselfer, a well
stocked toolbox is a necessity today. And
with what repairmen are charging, it pays for
homeowners to learn how to do some of the
common household repairs.
Tool boxes are not just for the men any
more! More and more single women are
buying their own homes and learning to do
simple home maintenance repairs.
Tl\e initial expense in putting together
your tool box is well worth it in the long run -
bv handling minor home repairs and pro
jects.
A stocked tool box makes a great house
warming gift for the new homeowner. Tool
boxes for women decorated in bright designs
are available at some craft shops and. hard
?a ? *
ware stores.
i 'tVt VtV V " " 1
Here's a list of tools that no
Respectable toolbox should be without:
1. Toolbox (of course). Don't substitute a
Tupperware container or G .J. Joe lunchbox for
a tool box. Invest in the real thing.
2. Adjustable crescent wrench
3. Claw hammer
4. Dust masks (to use when sanding wood
work or walls)
5. Level (preferably aluminum, 24-inch)
6. Power drill with various-sized bits (the new
cordless ones are nice)
7. Hr> bar (for pulling up nails)
| ? S. Sandpaper in assorted grades
I 9. Satetv goggles
10. Small flashlight (check batteries, too!-) *
1 1 . Razor scraper and single-edge razor blades
12. Medium-sized vice grip
13. Masking tape
14. Assorted nails and screws
15. Work gloves
-16. Retractable steel tape measure
17. Screw-drivers, both flathead and Phi 1 lips
head (again, check out the new cordless ones)
18. Channel-lock pliers
19. One-inch putty knife
20. While all-purpose glue
21. Band-aids (remember vour Bin Scout
? r ,
oath ? be prepared! )
I