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Show Restedl teainnraate expresses gratlSydle ro I !re aw eSeas!" They are so rsturs ami araer tfae aorfiif ses erf waft ssnres goc"-l?ypaceat sdi rnc at fie Use? Fiase learned firx-Jiaijnr si piay "eatidfe-aafiw? sal !ftar reaf csnae are ccke. ijroo Ai ! said. ! smceisfy kne my pecpie, pscyaj od anperixt and iccsenrae seed rar erne etf wcmferfiif c5ent& A fc" of tfsers fbr 6Le and fcsaicerxjai. Ugcrninatrfy. she RAS arruit proca.te me inqxranaeas! I EcisEfy kid a dear fnead erase to fix weeks. Mow. I cosM-a- 't really ofce off for two week. I Just hoped waft ail my heart thai: rftrugs would siow dowa enougfi permit me so spend nose Cikmg CutmSh and feer yoHHg dnliirerr. Kriscy asd SifcfyL a? tee mine of tfae sigfes and sounds Focus Reai of Utah. Huns did 4'o eaougfi aci let me think 6at I crsiJ Jo LippsawJ so cail fcjday toaskques-bo- bs tfeaL Sj 6.c wfesdi rsusnded me of tfie weeks. I est some tune cs business and some tftnigs that seeded anesrieB. cane "ac2tkraf. Y Lkpb. 1 Thanks so sfeera. I was acte to LiLe reaiB seeded vjras; case cef for case of wme thiags just m tfae sick I fca3I cf tinae. art w takea a fercat for SKStfss Wfea 1 started out tfa mors-t- s, x I mought I didn't fcase a now duf I 'font beyond tea estate jean! Today I took ssy dear whofe kt do. Tbea I speA ifse friends to the airport for tftear tliy Syw2 to gher op rfar bulls c e. nd ro en ro weTI-bein- ji tlh) Last weei. I wroce aboec the crMfxwm m the achantaje and dbadnaKtaiff of bxyias dowa tie rhktw rate oa y our mcjci-gao- e. This week coders a few addmnnal ways sate a small fomme ia interest pay meat oer the life of sour loaa. Tbese options include baiioos loans, btweekiy programs, and principal icdoctioa,. Este g, Kowj cfar aver die ham N;iuns iH stsct tfee Inez Efeesr loos b ftamffed qsacLS ami ptvfcvutyaailxr 1 saL Dy tfeey ever hear anyone snoring?" "ha ia I asked. "Ernie. . the world are joa taiTuag aocuCf Yes that was aS trae ! dUa't , of (fsese optkns pmide benefits, yaa most be aware that tfeenr are draw backs to each as weiL Thmgs eszy ooc arways be qune t&s way it sound, if yew doa'l aadexstaad ail of (he facts. "And ain't ts&'fxi iie Efe?. . . ft neauads me of a comersatiow A Hosne I had a waie back, and bom easy it Finandng to siwndentaod a vtuanoo- - A friend of tame, called me at die eves change t&e sames to protect office, and knowing that I had just the confused. However. I assore hired a new loaa officer, asked So. sou that akjkwgft the loaa officers how is Betty doing? I answered, here at Atitertos Mortgage take "Just fine, in fact, she is Caking as lots of apps they save their saps until they get home. App. right nowr." Now let's take a look at correct' "Really" He said "She's taking a sap? Ijere she doing thatT ing any mismfonruiioa or ooafu-su- m about a few mortgage loons. "Clh, she has her own office, Baflonw ItmH. These loans that's where she nsuafly dues it," I offer a fued rate for a determined replied "Does she do that very ofiea?" length of cme. usually 3. 5 or 7 be asked puzzled. years. The interest rate ranges from "She tries to as often as pmubie, a certain percent to 1 percent lower and so do the other Iran officers than a 30 year rate. Unlike the buy-dosometimes three or more a day each.' programs, these balloon " Wow He said surprised (I loans do not require you to pay wasn't sure why. since ail loans additional points for the lower rate. must have an application). "You Instead the loan w iQ be due. or must have a Bed over there. have a balloon payment, at the cod I wasn't sure what he meant . . . of the predetermined period. At a Ber? Since it was our job to take that time the borrower is required Apps. why would we have a bet? to pay off the loan or refinance. "Weu I answered "sometimes we Many balloon loans have a conversion option. This signifies might have a contest, but not realthat the loan balance will continue ly a bet wn r .e jtmicvfejOJfl jog flvw. lxrt?.Vteil. .tor term at a new acerest rate. thev think?" he continued. "Oh, (he cbeots don't care, as ifnn;ng ifcK fc a ori coisima? Grte ne cfcasBe bj ssa4e bt fant Hie real e&H JineK !OLe iir d&et. b fcmlt oa feaflrnodL I hae bees workistf CoerisM s a eSi2g aass to do aft due we can to prcrarte axjpwacon befweea baja and seQer to siaLf a wasewfsac tfiffkaft deaf ccrse lite ineasmrae, !fn togaSet assnt k had wrar? and a axed-ber faigfiT cnssrirsn.-.'-j Yet s&e coastsfitfiS is trains to perfom tfse duce of ber of ber afci&y , a B?if I isear i sf tr-rfs- woman! Pas. bees domi Suxr he new rate is either an adjustable or I benarvi. te ccrsi. Tfe trace ebs i Sr tls sr respoes&ses are sellers kre JessDs33d stsk pihemx iaatth tnae saie lie ias agenisv. & six 6e only sseuucus tfuc Tst wk& rs crj biCT.. ami these kri esgytn, sawsr srikrv lata eiS-te- ifeif t&ek bbssc o&2 &e ocfaar CiiuaJL Sjffiesjnsds i wftat ias-bee- eeaes &e cfcstaf-KBBt- tsn carras a deal to w.t! far w&s K wd Ee?y asCi in snaaCKW to fewwisHs. Sj Erciii cmae talLail WEt feesx la Eke I vM Sus tfcSjEKSSL ibcade sai Jtsre a the pro-graand is based oa !&er taste rates a the time of &e CBHverskwL Tlx advantages ace dear sT sous cooMder a iona ireouia (A S3X1SO) w idt an s&exest race of peKxat oa a 5 year, baflooa. esmpaied to a 30yeatxaiatJ5- - Fa 5 years w wsS lave saved is macst. The obvious dbadvaiaase e that you are not gaaraHred what me rate w ill then convert tx If yoa ptm to move bs 5 years, gseat. If aor. you're okmg your rfswrfs Biwcefciy Slwage- - AMagfa this mortgage caa be a great bese-there is some confusion as to why. A mortgage would require you to make one half of your monthly payment every 2 weeks. Many assume me savings conies from the earlier payment. nt, 75 Gt mil a. seasdfcns &r fee "tan" m ojf r 4ei3if a TiaC i sme daac tliil 2nnie Ltey Zi!ti?r na tisem toes. s&a-acajo- u ft teuh arsi"K e&etJ jatjtf".ig if rsvm ar toes, y&a ca $Kncooe A2i far rscni deil there is a JLeSactt kike. I ri22ii k is vaying a fct wtes we eta claim full cnesazasa is aacnt every msaoLX-'- 53 wfera we look, at a 5satx;25 deal fosxf through, w&se ifte Ivier b tafv with the wM BaoD fried rate depeadnsg fee maqpnies ace wsn coepaar ''i3L tre and a jfeEuBr au E"ercinr adluaf a far !u& a Btie i.Tusr'me cfieffls. trie feayerv Ssiwc ffaefls, Airhnugfe afl fc fepfed weeks a p' r? io!i fiat I a ftood ieant This column needed to sing die prai&e of people. People like oa and me. People who have js&atiom to work arouad and are okr standing of one another. People who teefc to a&wst rather than blame. People who can remember that buying mi selling a home its an emotional issue as well as a financial concern.Thank you all for carrying the ball when it j needed, Oopt, another one just bounced by! PS. I Mill need to hear your opinions on how the market is in Utah County. It'll be fun to print your responses. Marie Sharon is a Realtor with Century 21 All Pros Realty in American Fork. For questions or comments on her column or to receive a free monthly newsletter, call her at 756-359- oroteooffi eat in teafy ise reason you save is sishr treatise yes wind up fir bamt. the wfier H content wxft &e rcsaJH rf the sale and on &e way to a rtw move, and the frtfeMonaH invdved can finally d dseir grocery iAwpptng. we Lbow that we have been a part of mak-a- g 2 eiaa faff payments per year, sate &ese ate naorc than 4 weeks ia x BKsdk. TLat extra payment goes daedfy to principal, wicb soaaBSg vivs caa do whout the stfKasee cf a biweekly. While it is Bae &s biweekly tents make it coDveaieat to pay concurrent with yoor paycheck, it is a disadvantage t&at yoa ate thea charged transac-tk- n fees fcreadt paymeat and a sigkty hKber interest rate. A sdf regskoed biweekly or the fodowiar caaesorv caa wxi. better. Pay Extra FrwttipzL WbeB yoa take a dose look at the numbers, paying ex&a priadpal ledoces yoar overall if your pavmcats. For example aeW Eoos is S15Q.000. at 83 per s gen-eraf- ly cent and you made one extra payment of $50 your first month, you are saving more than $600 in interest by the 30th year. If you did this each month for only the first 5 years, you would have your loan paid off 24 months early, a savings and you of more than $28,000 had paid only $3,000 to get it! Mark Greer is one cf the owners ofAtkerton Mortgage. Column suggestions or loan questions are welcome at his office in Jamestown Square. Prtno. or bv calling Mark at 373-633- 15SS Norts By KAREN E. KLAGES CKcago Tntxne HoneyweS Inc.. maker of climate control products, offers these tips for saving up to 18 percent on your energy bill this summer Turn up y our thermostat 5 degrees frwn 75 to 80 degrees, for example) for eight hours a day. perhaps when the family is at work. Keep the humidity low inside the house by running exhaust fans when cooking or bathing. Clean window-un- it air conditioners: Use a garden hose to wash down the filters covering the cool- - j&ztvte h4Ai tf.cpjlx . Make sure central air conditioning systems are operating at high-effkien-cy 7 S46S-0n- by Ttw CMy Herald wrj FrtsiB peak capacity: Check the temperature of me air coming from the vents. Warm air could mean a bci of Freoa or a bad compressor. Consider getting a new. model if your current air conditioner is more than eight likety to pay tor years old. It itself within five years. Call ia a heating and cooling contractor annually for servicing and cleaning. Make sure the air filter is clean. Wash or replace it every season, manufacturers to according instructions. For a free consumer brochure. "Hot Tips for Cool Comfort Melt "Those Energy Bills," which. lists other ideas, call Honeywell at Ext 7122. Fwam Boutoart Pa Ban 717. Piqwx IM How to keep your cool and save your money too 4. AdwartSstnaj: To piao a ctossifed casplay ad contact: Scott Munay Rhonda Phare 544-252- 5 344-253- 6 Kimberty Keppew. 344-25- noon, Iht Fnday pnor to QetKftn pucacafton ptect news Asms contact Stiaunna Erwtn. editor To 344-256- 5 topwotiMiiedi7Ms Swim w . SoaUwni) Ktnmo , Edkx CWu4MtManag Onni Vxoirt tmtm |