Newspapers / The Yancey Journal (Burnsville, … / Oct. 17, 1974, edition 1 / Page 12
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PAGE 12 THE YANCEY JOURNAL OCTOBER 17, 1974 Sound Advice On Buying Home rV':" -' '-'4'- How do you go about Finding a house you can really feel at home in? First, you must decide the price range you can afford...and income is only one factor. Your debts, your savings, your equity (if any) in your present home--these are all to be reckoned with. So is your lifestyle: if you’re home-oriented, you may be willing to trim other expenses to spend more for a house. Have you heard that your home shouldn’t cost more than 2-1/2 times your an nual income? That monthly carrying charges mustn’t ex ceed one week’s take-home pay? Like all rules-of-thumb, these are only estimates. You should work out your own guidelines, based on your financial situation. Fig ure out what you can spend for monthly housing costs. Then estimate what cash you have available for a down payment. Down payment require ments range from very little (with a VA guaranteed mort gage) to more than 40 per cent (for some older homes with conventional mort gages). Generally, a new home I STOP RAIN... W/TOF STOPS I from getting under doors! J DRAFTS! I B j * ; uAMr seal-o-Maticl mm xiv/iTirLi door bottom iI^MAKERS^g'III -«- "■■ *Flexible vinyl bottom raises I . : automatically to clear carpet B will bkotrin when door opens Low * ,s I UJlll WCgl/l automatically when door I _ NOW to prepare Won't drag over your car* I Combination *** l'\ he ' p ‘ Oo ' dr ° f, ‘- I ! DRIP CAP their Homes for » <io,ed come. n | © ' Anodized Sotin or Alb> as '1 j & DOOR BOTTOM Winter Weather 'ii Vr"™-' Fines) protection! ditioning more effective I j Smart Appearance! INSULATE... I WEATHERSTRIP md self-adhesivel Extruded aluminum door bottom *• ■ ■ Efcameß ■ " • sve • T drip cap with vinyl air-baffle in- _ , rMCfIP rfUIIIII serfs (for all exterior swinging L pan pn|r| ail* Allt ■ doors). Sheds wetefT Stops KCCp COIO air OUI eee _—TonOl drafts, dust, Jk'T"U" shafc , . IdDcl forms cap o«r bottom of door. All* 111 S>Aifc.«» ■ I choice of finishes, style dcv warm air in... ~ 138-134 for 1%" and 1%” doors. a 11 »11 jsiSpjg*!* Ideal for use w| th AFF SEVC Oil IUCI D 1115... II Ft. Roll I M-D threshold shown above. *"~c.""LLx - 1 V'xVa" I ■■V.' ■ JJU I Weother proof the easy- way! I K sfopVnfc TOUGH, VINYL-COVERED FOAM d °° rS ° nd Wi " d ° WS Wi ‘ h I *jSjß Keeps out cold! Keeps heat in! 17,91) On-OARD con, All-purpose weather strip, not harmed U|»l«||[n CTDIEt jUjftiy by weother, sunlight, point, etc. Stays WBAIIIBK JIRII Rt ■lnTJ'i ffe*'ble Install with thumbtacks or ham | m * f and tacks, as you prefer. install On-Oard I stainless Does a com- g \ ||| (• \ I Fireplace Grates I FOR WOOD OR COAL I I SICOO I Remove ends to burn long t ■ those long winter evenings M Where Wise Shoppers Save | 400-408 E. Main St., Johnson City, Ph. 929-3186 Comer Ilk 4 Lynn. Eliiabethton, Ph. 542-4112 , J inquires a lower down pay ment and is easier to get a mortgage for. It’s also" cheaper to maintain, a fact that should be considered when planning your housing budget. What features you want inside your home will de pend on many factors. You’ll want to think about how long you are likely to stay there, how your family may change in that time, what new furnishings you may get. As you look at homes, take notes on room sizes, interior and exterior mate rials, and special built-in features such as fireplaces and cabinets. Many model homes are beautifully dec orated; check with the builder to get a clear under standing of what’s included and what’s “extra.” You should also ask the builder if he guarantees his work, and what is included in this warranty. Go ahead and be “nosey;” the builder’s integrity is vitally impor tant. Knock on doors of his previous buyers, and ask their opinions of him. Ask your local home builders’ as sociation about his reliabili ty and professional standing. Even if you’re interested in an older home, it pays to know the builder’s name and reputation. But don’t stop there; hire the services of a home inspection ex pert. He’ll tell you if the house is likely to have ter mite, roof, electrical or plumbing problems. A« you shop for houses, compare neighborhoods as well. Consider commuting distances, location of schools, and shopping facili ties, availability of trans portation--along with less tangible features like “at mosphere” and “lifestyle.” Once you find a home, you must pay for it--which brings up the subject of mortgages. There are three kinds, all arranged through private lending institutions. Conventional mortgages are two-party affairs be tween you and the lender. You borrow up to $36,000 with a 5% down payment, or $45,000 with 10% down from savings and loan associ ations-higher amounts with greater down payment. The terms will vary depending on market condition. Mortgages insured by the Federal Housing Administra tion are three-party affairs, involving you, the lender and FHA. You can borrow up to $33,000, with from 3% to 20% down payment. (The loan ceiling may be raised by pending legislation.) Mortgages guaranteed by the Veterans Administration are also three-party affairs. This kind of loan, which has no maximum is reserved for qualified veterans of military service. When you close the sale for your new home, you will have to pay closing costs. These can range any where from five hundred to a couple of thousand dollars -and they are not included in the price of the house. To learn more about the process of buying a house, get a copy of The Home Buyers Guide. This helpful booklet is available at your local home builder’s associa tion--or by sending 50 cents for postage and handling to NAHB, Home Buyers Guide, P.O. Box 38, Riverdale, Maryland 20840. Beautiful Scenery Moonshine MTN /r\BOUT fWoUR fLfIEAITH • • • 'u’he patent medicine barker was often a major SOURCE OF INFORMATION ON HEALTH AIDS IN BY-GONE ERAS. ‘tfoPAY,FORTUNATELY, THE CONSUMER HA* MORE RELIABLE HELP. FOR INSTANCE CERTAIN IMPORTANT /WmYgflga ORAL HEALTH PRODUCTS ARE IN- J COUNCIL on DENTAL A DEPENDENTLY EVALUATED BY THE 1 therapeutics M DENTAL PROFESS I ON. CONSUMERS ■ AMERICAN ■ CAN LOOK FOR THIS SEAL OR W aQENTAL f STATEMENTS OF ACCEPTANCE BY THE AMERICAN DENTAL ASSOCIATION FOR PRODUCTS SUCH AS TOOTH- (%STES,POWERED TOOTH BRUSHES.ORAL IRRIGATING BSJZ ANP PEiNTURIE 00 ,he conditions under which the product _. * *, <_•/ should be used. • Al/HcS» Vc O. Council on Denial Therapeutics Council on Dental Matarials _ .Mill. and Devices ii I American Dantal Association ml Till 1111111 l i, ?0R MORE THAN 40 YEARS, M I//*' -131 ' iii Hi DENTISTS HAVE RELIED ON l J ■iJflSSaill ADA SCIENTIFIC EVALUA- W TION IN SELECTING PRO - PRODUCTS "Sj \ V 1 USED IN DENTAL PRACTICE. /)) YOU CAN LOOK FOR THE y\ VALIDATING STATEMENT /xm ! OF THE ADA AND KNOW // \\ I IHW SUCH PRODUCTS , mm » 1! HAVE BEEN TESTED AND/OR /a A\ ACCEPTED FOR SAFETY O [LO /ft AND EFFECTIVENESS. dPN APPALACHIAN INFORMATION & REFERRAL SERVICE aCOa - OodO . Dial an answer to your need ... toll free 1-800-222-8491 Veil find the sei vice that can help yo v ■»v THIS SPACE CONTRIBUTED BY THE PUBLISHER I Here’s How To Subscribe I I Fill Out The Coupon And Mail It I I To The Yancey Journal, Burnsville I I Or Drop It By The Journal Os fire I fHH * BBf I On The Town Square I J I ■ d®SiK, fl I |H| qEnclosed •4“ (In-County)Q »6 00 (Out-Of-County)J|jg\ S I THE YANCEY JOURNAL I report U.S. Senator JESSE ★ ★ ■ HEIMS '■*4' WASHINGTON—I have noted with regret that some editors have mistakenly assumed that I am talking about all of the news media when I comment, from time to time, about bias and distortion in the major liberal daily newspapers—and the radio and television networks, as well. The vast majority of newspapers and broadcast stations on the local level do their very best to present the news objectively, and without bias or distortion. The trouble is, they get most of their reports —or perhaps their impres sions—from the television networks, and from the major liberal newspapers in the big cities which constantly saturate the public consciousness with their own prejudices. ULTRA-CONSERVATIVE—How many times, for example, do you see the word "ultra-conservative" in newspaper articles about Barry Goldwater, Harry Byrd, Jr., and other Senators who refuse to follow the philosophy of the liberal editors? I get the same treatment, of course. But do you ever see the words "ultra-liberal" used in connection with news reports about, sav, Senator McGovern, Senator Kennedy or Senator Humphrey? Os course not! They are described as "moderates." Beauty is in the eye of the beholder. When Senators Goldwater, Byrd and I are described as "ultra" conserva tives, that means, to be candid about it, that the fellow writing the news story or the editorial does not personally agree with us. He does, on the other hand, agree with Senators Kennedy, McGovern and Humphrey. In his view, therefore, they are "moderates." In my own case, some of the big-city editors in North Carolina consider me "ultra" conservative because I am opposed to forced busing of school children, and because I favor a balanced Federal budget, and because i am op posed to amnesty for deserters and draft dodgers. These editors favor forced busing and amnesty. They are opposed to cutting back on Federal spending. So, since thev disagree with me—and other "conservatives" — thev seek to persuade their readers that Senators who disagree with the policies of these major big-city news papers are'excessively conservative. I ROCKEFELLER —Recently, I appeared before the Senate I Rules Committee to submit a list of questions which I I felt Governor Nelson Rockefeller should answer prior to I final consideration of his nomination to be Vice President I of the LJnited States. I When I completed my testimony, I was complimented I by Senators on both sides of the aisle. Governor Rocke- I feller will be required to answer my questions. Not a I word about that aopeared in the news accounts, or in the I critical editorials that were published later by newspapers I who apparently fee! that Mr. Rockefeller should not be ■ questioned seriously. I There were about 20 witnesses that day —including the ■ communist, Angela Davis. But the big-city newspapers ■ made it appear that Jesse Helms (the "ultra-conservative," ■ of course!) had locked arms with Angela Davis in opposing ■ Rockefeller. Never once in my testimony did I indicate ■ whether I will support or oppose Mr. Rockefeller—that I was not my purpose in appearing before the Senate Rules 9 Committee. My purpose was to submit a list of questions ■ which the entire Committee agreed were relevant and H«heipful. ■ I mention this episode simply to illustrate why lam I occasionally critical of some elements of the major news H media. I am a former newspaperman and broadcaster myself. I have felt for many years that freedom of the press will not endure forever unless there is also responsi bility of the press. Incidentally, if anvone wants a copy of my Rockefeller testimony, and the list of questions I submitted, just drop me a note. Then you can compare what I actually said with the reports you may have read, or heard on radio television.
The Yancey Journal (Burnsville, N.C.)
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Oct. 17, 1974, edition 1
12
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