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Show F2 The Sait Lake Tribune, Sunday, December 27, 1998 Wanthometo be wired for future? Thenjust requestit Getting home pre-wired Can save you time and hassle over the long run technology companies and even we moneyinto bricks and mortar, Maybe consumers, the Great Unwashed — so, butthis doesn’t getthe builders off agree that it makes sense to build hous- the hook because builders make decies that can serve up high-speed Internet sions every day about what's best for access, networked personal computers, their buyers, making specific decisions whole-house video anda longlist of aboutproducts based on the buyers’ By Mary UmBERGER otherfeatures. Even if you don’t install generalized concerns. CHicaGo TrisuNE or even wantthose features,the ideais In November, Lucent Technologies to makeyour house broughtinto townrepreCHICAGO — Boys andgirls, can ready whenthetime sentatives of building yousay “twisted pair”? comes — ata price that It isn’t that you, the companies from around You say you don’t know what “twistBuilder magazine pegs at the country,the stated techno-timid, don’t goal ed pair” means? You say you don’t about $1,000 per house. being to show how care? Buteach player seems yearnfor your new they could implement Yousay you glaze over during expla- to be looking at the other house to be up-to- such technology into nations ofhigh-tech household feaguy for an explanation of their designs. Their mere tures? Yes, I know.It’s notthat you why a mere handful of snuff.It’s just that, attendanceat the conferdon’t recognize the potential benefits of the homesbuilt in this for reasons ranging enceindicates that the having a housethat’swired for the country last year (about builders areat least future; it’s just that you'd be just as from plain ignorance weighingtheir 55,000, according to one options, happytobe told, instead: “Plugit in estimate) had these soto shyness about slowed partly by the here and goon with yourlife.” called structured wiring array of possibilities and Alas, the leaders of the Geek Chic systems. With a few using the wrong by their ownlearning movement takea certain pleasure in exceptions, the Chicago acronym, you don’t curve. “Ispeak at a lot of yourinability to differentiate POTS marketis an arid landknow how to builders’ groups and I from Category 5, LANS from RG-6 scape of underwired stand right up front and dual co-ax houses,its top techie askforit. say two things,” explains It isn’t that you, the techno-timid, braggingright being the BobScanlon, a Lucent don’t yearn for your new house to be ability to show cable regional manager. “One up-to-snuff. It’s just that, for reasons television. Not only are we notin the is, you're the most computer-illiterate ranging fromplain ignorance to shyforefront, we can’t evenfindthebattle. groupI have ever met, andtheyall ness about using the wrong acronym, Somebodyis going to haveto blink laugh andthey all admit it.” you don’t know howtoask for it. As a first, and I thinkit’s going to have to be Scanlon’s second observation is about result, you'll probably end up with a consumers, even the technologically builders’ (to use a kinderterm than he house that’s wired about the same as a impaired ones. Maybe (beginitalics) did) aversiontocost. “When youtalk housebuilt 40 years ago. especially (enditalics) them. aboutbuilders having to spend a bit Youwere expecting metosay, Builders have told me that consumers more moneyin their homes,that’s a “Wuzzah, those daysare over!” Nah. aren’t asking for higher-tech wiring, stumbling block.” All the players — thebuilders, the that. buyers only wantto puttheir It mayfall to consumers to speed up REMEMBER TO RECYCLE Wrap up a homefor the holidays with endofthe year savings! ¢ LOWEST RATES * PERSONAL SERVICE egSe gals It's Alpine Homeswayofsaying Happy Holidays! SOUTH MOUNTAIN Draper Pricedfrom the $150 14364 South Henry Day Road Call Colleen, Stonebrook Real Estate, 1 571-2244 today! Model home open Mon. Sat. 12-dusk, Sun, 2-dusk AWESOME VIEWS! at RSLeat MeadowCreek Pricedfrom the low $100's 5440 South Midland Drive Call Sonia, The Franklin Group, at 985-1380 today! Model home ‘open daily 12-dusk FREE EVAPORITIVE COOLER! RMURGRaan Leeo aye Lah ete 273-3300 SALT LAKE (435) 647-3737 a ae 25-9757 Ceo lias Live the Country Life. The Canterbury Collection at RanchoTooelefrom the $80’s! TeeasMULTLy Agency Corporation by the REALESTATE Q&A the process by daring to ask for something. By GEORGE KARVEL There's a consensusin the industry KNIGHT-RIDDER/TRIBUNE SERVICE that whena builderoffers a certain feature, in short order his competitors will @.You advised us to pay an extra offerit too. paymentatthe endofthe yearand1 So here's my unsolicited suggestion: will, unless this wayis better. We If you visit model homes, note on the have a $294.88 house payment. registration cards that you'reinterested Whenwegot a form to set up autoin an optional, upgraded-wiring packmatic payments the form also said age. we could sendin or have any amount Don’t use any acronymsor hyphenatof extra automatically taken, and that ed words, because you know you'll just amountwould go against ourprinciget yourselfinto trouble. pal. We wantto pay or havetakenan And don’t expect any instant extra $30.12 so ourtotal would be response, although anything is possible $325.00 and $30.12 should go in a motivated business environment. toward principal. That would be “Duringthe last two years,” Scanlon $361.44 for a full year, more than says, “we wentfrom trying just to get one payment. Would that work as an appointmentwith a builder to good as paying a paymentat the end builders calling and saying, ‘How ofthe year? quick can youget here’ A. An extra payment each monthis Whoknows: If you ask, you might a good idea as long as you are not get what you want, evenif you’re not payinga fee forthe service. All mortsure whatit is. I write these words gage borrowers havethe righttopre from my home“office,” which has no paytheir loan withouta fee for doing less than seven cords dangling from so. Large payments, however, may be orificesin the ceiling. subject to a prepaymentpenalty. Anyway, when I answerthe phone, Read your mortgageto see if any its cord snags the keyboard and pullsit prepaymentpenalty applies at any overthe edge of my desk. time. If you rememberthe famousphotoof Q. T have a uniquefinancial situs Rose Mary Woods, President Nixon's tion, and have beenunable to de loyalsecretary, re-enacting how she mine using today’s mortgage calculaclaimed to havecreated that famous tors which option to use. 18-minute tape gap, you can sort of First-time single-family homebuypicture myexistence. As they say in er (for myself only) in the $125,000. the movies, it’s too late for me. Save range, preferably in a “hot” area yourselves. * Gross income $36,000 in the samestable field for 14 years (insuranceclaims). About4 percentto 8 percentpay increaseyearly. Over $100,000.00 in IRAs, { 401(k)s, stock mutual funds and money markets; personal savings notinheritances. Knit Rupper NEWSPAPERS + No debt. + Highest credit rating possible Homeowner, spare thattree. Whenit’s timetosell your Using the Internet for competitive house, all those windfall leaves may add uptowindfall proftates provedfruitless as out-ofs. In 1985, the Chicago Tribunereports, researchers with the lenders wouldn't use the 40 per Departmentof Agriculture Forest Service in Athens, cent qualifyingratios that | need to founda 3 to 5 percentincrease there insales prices of getinto a $125,000 house on my houseswithtrees in their front yards. A previous studyin income. They useda standard 28 peranother region found a 6 to 7 percentincreas cent formula. My as: Greenhouse effect Il: Speaking of natural resources, coming. However, a | post worksas well as fertilizer and could reduce U.S. greenlenderdid preapprove me very quick- | house gas emissions by 2 percentif used throughoutthe ly. nation’s farm belt, says a study in the journal Nature. It seemslike in today Surviving winter: We don’t wanttobe alarmist, but winter ket, there are no housing andits stormswill soon be here. The Pennsylvania e had. It looks like the only way to Emergency ManagementAgencyoffers the followingtips: save moneyis on the financing. After Store drinking water, a first-aid kit, canned/no-cook food, a reading various books on mortgages non-electric can opener,a radio, a flashlight and extra batterit looked like seller financing would ies that can be reached easily, even in the dark. Keepcars and be anoption. ... other vehicles fueled and in good repair, with a winter-emerT’ve beenadvised I maylose gency kit in each. Get a NOAA Weather Radio. deductibility if T go theseller financ Quick anddirty: Speaking of emergencies, unexpected ing route, as [ wouldn't have full title holiday guests are coming, and the houseis a mess, What to to the home. I wouldlike to knowif do? For starters, use a laundry baskettopick up miscellaseller financing would betheright neousitemsandstore in a bedroomcloset, says The Maids type offinancing to look for, and if residential maid service. Burn scented candlesin the bathSO, Nowto tap into the “hidden” mar roomandkitchen, or set out potpourri. ket for such. There are alot of programsavail able for people with low incomes. first-time buyer, etc., but little available to reward supersavers with excellentcredit ratings like myself. A. Whenpurchasingresidential real estate, seller financing by second mortgage or contract-for-deedis available infrequently. Most often 3907 West Rockwood Way (3390 So.) * West Valley City, UT 84119 seller financing is used wheninterest Te) Affordable Living rates are high andtraditional mort gageloansare difficult to obtain Fortax purposes,interest paid on Model Open Monsiny«Fedey1:00 pm ell dark seller financing is tax-deductible. In ‘Weekends 10:00 aan until Sark today’srealestate market, buyers shouldtake advantage oflow interest rates tolock in 30-y xed rate, mortgageloans. For further information on various mortgage options, talk with a mort gage loanofficer at a local bank or | mortgage company. | | | | | | | | | Homes with trees usually fetch higher asking price mart LOWNHOMES jj! Starting(135954atFe$85,000 George Karvel is holder of the *15 Year Fixed /> d\ 2 *30 Year Fixed ECURITY WEST MORTGAGF: FAST FRIENDLY PROFESSIONAL 263-9998 or 1-800-574-3947 NTRS Myre la etree} enon SINGLE FAMILY HOMESON LARGE LOTS! Basement & Garage / 4 Model Plans / 2 & 3 Bedroom Ramblers from 1386 to 1755 totalsq.ft. Models at 865 South 900 West, Tooele. Take Exit 99 from I-80, follow Main Street thru Town South to 3 O'Clock Drive, follow signs to models, Toll-Free 1-888-843-1306 ANTERBURYCOLEETIO aT Raneno TOvte ea oe Tere FREE PRE-QUALIFICATION « Rates subject to la 4885 So. 900 E, Ste 240. SLC. UTAH 84117 ASSOCIATED MORTGAGE| 943-1999 PeliMeUaeste __| Pulte Homes ouAL Hout SeTe : 3 AN AMERICAN FAVORITE sag BROKERS ALWAYS WELCOME MODELS OPEN SUNDAY11-6,SAT. 10-6, MON-FRI. 11-6 ) 4 the University of St. Thomas, St. Paul, Minn. Send questions to GeorgeKarvel, P.O. Box 1760, St Cloud, Minn. 56302, or e-mail: gkarvel@aol.com. Clarification Sotheby's Auction House adyised, but did notset the price on the homethat wasfeatured in the Dec. 20 edition of On the Market. The auction house only recommendedthat the home be appraised asanart object Real Estate | SEE | Real Estate is published each Sunday by the Newspaper Agency Corporation and is providedas an advertising supplement to | The Salt Lake Tribune, Articles in this sec tion are for the promotional consideration of the advertisers. Views expressed in Real Estate donot necessarily reflect the editor al opinionsof The Salt Lake Tribune. 1-80 elt: A: Distinguished Chair in Real Estate at * Loans up to $240,000) Fadi r: Kent A. Condon E-mail: realestate @nacorp.com [ — 237-2314 POOR CC |
