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Show t Salt fake tribune Classified Advertising Section . ? 4f T i li f PLEASE CHECK T iJ iff it Area) advantage of our TOLL FREE WATTS LINE to ptoce YOUR AO Te through. We ask, therefore, that your ad the FRST day you reIt appeas and Immedtotety eta Nixon, A 1983 PSuNCMiTSuiir nut,, Long white hair downtown 4844415 or oil stain finishes. Beautiful oak door styles. Wood grained cabinet interiors. A deposit will hold your order 2700 now FINANCING Visile Vicinity West Reward 2200 West Reward 7000 Fee on Percentage Basis BAILEY 4 NELSON, PC 64 East 6400 South, 19 Murrey DRUNK DRIVING 0295 ring, white gold, S2S Lenees in a white double case Cali $714562. LOST German Shtphard yr female, brown, teg "Chelsea". Reward 4644382 LOST 1 case LOST Adjustable-Rat- e FEE Will direct you to an attorney in your area who handies your kind of problem. First hour consultation 610. Phone 531 9075 or S3 Statewide Watts 140t462 9054 consultation by phone, no charge, H D Weiker, JANE at Law Quality Legal Service 261 East 3rd So 150 LEGAL WAINE RICHES, Attorney at Law General Practice Free consultation Simple wills 650 The DIVORCES, Drunk Driving, Auto Accidents, Col lections. Fluent In Free Consultation. Span! QU NT ANA & GR NDSTAPF or eves IBM-P- Best Bargains are With mortgages, on the other hand, the interest a homeowner pays is lower at the outset because interest charges rise and fall with market rates, with . cap on the periodic increases Thus many experts say that fet the beginning homeowner who may move two to three years after b y ing a first home, it is unlikely that the interest paid on an adjustable-rat- e mortgage will exceed that on a fixed-rat- adjustable-rat- e loan. e Why Ps"- a Premium? iking at a - "If youre ajartnent or studio that youre not sung to be in for the rest of your life, why pay a premium for a fixed-ratmortgage? said Joan Carr, a vice president for consumer loans at Citibank in New Fixed-rat- e York. mortgages are generally the most expensive. Citibank illustrates how big the difference in interest rates on fixed-an- d adjustable-rat- e mortgages can be and how sizable the difference in the initial monthly payments. On a $100,000 mortgage, Citi r, art 010 Special Notices Grot in today's WANT ADS1 DIAL 237 2000 FROM MANUFACTURER T FOR KITCHEN CABINETS OR VANITIES or Contested BANKRUPTCY Chapter 7,1X11 Other Mrvtcaa, raaeonabtataea. Adoptions, Wills. Collecttone. CALL FOR FEE QUOTATIONS $150 675 G.W. MORRISON BANKRUPTCY FES EXTRA Other CONTESTED & Simple, MS Also Chapter 13 servkm, reasonable fees 521-797- JOB OPENING for the right individual. Our 1 aimed primarily toward the unpublished" Job Market. If you are in the range and unemployed or frustrated with your present job, call now for an appoint ment no cost or obligation, Changes in Divorce Decrees Child Custody Visitation Child SupportAMmony Property Division MARY C CORPORON KELLIE F WILLIAMS Attorneys at Law INDUSTRIAL INJURIES 'JOB ACCIDENTS 'HEARINGS Johnson 364-736- & No Freight Charges No ctinis 555 ALEXANDER, & MILLS 57 West 200 South, Suite 503 Salt Lake City, Utah 84101 Stillman Distributor Charges Buy Direct BENNETT INJURIES DIVORCES NO MIDDLE MAN total confidentiality. JOB PROBLEM See our new line of kitchen cabinets and vanities. C&D Oakridge, C&O LaBelle Oak and C&D Alder Ridge, each in 3 different colors. Manufactured by Chris & Dick's. s20 - 75,000 & bick's 3500 SOUTH OPEN SUNDAY TO TIL 2:45 DAILY 9 TIL 6:45 7 WEST 1 322 3111 972-873- 3 bank charges 13Wi percent interest, which translates into monthly payments of about $1,115. The same loan on an adjustable basis would carry initial interest of 11 percent, and monthly payments during the first five years of $1,009. On another type of adjustable loan, the first years interest is even lower, at 9 percent, and the ar initial 12 payments are only about more than $300 less $813 each than the fixed-rat- e but payments in future years the rate is much higher. Negative Amortization Of course, many of these loans negative amortization carry clauses. Translation: In exchange for giving the home buyer a low rate Construction Contracts in January Rebound From Lowly December Special to The Tribune NEW YORK January con- struction contracts rebounded sharply, erasing Decembers weather-relate- d setback and restoring the former trend, the F. W. McGraw-Hil- In- l formation Systems Company reports. Some $13 8 billion of newly started construction lifted January's seasonally adjusted Dodge Index to 150 (1970100), a 12 percent improvement over Decem- bers LOVERS NEEDLECRAFT to join THf opportunity ATIVE CIRCLE PREFt CLUB CUSTOMER catalog and monthly notification of sales and sagbats, from (he wends largest toadtoc-ret- t Co Sand 64JO tor ggatage handling to (Srttctaryt W Meadowlark Way, Sandy, Utoh 14092 Refundable with ordv Housing Safety M. Dodge Division of GROUP 0 10 Special Notices Imaginative Home Financing Can Ease Qualifying where real estate prices have put home ownership out of reach for most first-tim- e buyers. So what advice can financial experts offer recent graduates or newlyweds who want to sink their small nest eggs into a first house, cooperative or condominium apartment? While the age of the bargain mortgage is over, they say, there are still ways to better ones chances of qualifying for a home loan primarily by making the monthly mortgage payment more affordable. But although imaginative financing may lighten the load for a while, such deals in the long run can cost as much or even more than traditional packages. Fixed-Rat- e Mortgage For starters, most housing exlongperts agree that the fixed-ratterm mortgage, while a good value for most of the postwar era, is now probably a bad deal for many young people because banks charge hefty interest premiums to cover the extra rate risk they bear with longterm loans BUYER'S Group buying power allows tremendous savings on PC's, XT's, PC Jr s, software, printers, modems, ate Full welcome support Companies Jon today, save 61 Call Chuck Caoie only, Mortgages By Eric N. Berg New York Times Writer NEW YORK You are young and struggling to make ends meet, but you'd like to buy a home. If you are like most young people you probably cant qualify for a loan particularly in New York City, consksr-in- weight toss program nor does tt assume uiy responsibility for claims made. Personals Old Special Notices 010 Special Notices those endorses or condemns jyiy 4 Tyckaen No Charge for Consultation Day. Barney, A Tyckaan DISCUSS my legale with a lewver-ncharge PhlllpC Story Jr , Attorney Call Day or Eve S3WW9 Adoptions, Wilis. CATHRYN JUDO. ATTORNEY 660 S 300 E Suite 100 " 675 aM in any type at porttclpatton diet or weight loss profprrn, this tool any recommends newspaper such participation be underkhen only after consultation with your doctor. This newspever neflrwr marketing techniques are DIVORCE WILLS ADOPTIONS 8150 INCORPORATIONS 6125 Ev MADDOX A SNUFFER 6t EAST MOO SOUTH 0 o reminder to Theres always a 486-538- 6 JOINT $110 FrwCoraulIttlon Sturiv apptl available 27&4404 PERSONA! 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ACCIDENTS PLUS GuerdianTrus! provision Mil Personally Video Taped LAWYER REFERRAL SERVICE LAW $100 EXPLANATION Practice Concentrates On DIVORCE and BANKRUPTCY 486-04- 4455 FRE DIVORCE 487-998- 5 24 HR RECORDING RULONT BURTON 660 WILLS DAVID W. HOLBROOK 100 SO. SUITE KB 268-312- FEE Day Barney, DAMAGE CONSULTATION CALL RUL0N PRICE EAST $50 WARD, ATTORNEY UTAH STATE BAR BUSINESS F5, $60. ATTORNEY R COMPENSATION NEGOTIATIONS TO DECIDE APPOINTMENTS Labrador, Vk 45th So. LOST-R- uby DEFENSE PROPERTY CAN $E YOU TOOAY! No Caw Tx Small or Too Larva FRE FIRST INTERVIEW ns CLARK DIVORCE WORKER'S CHAPTER 13 TO START $60 Reduce your debts, rebuild your credit, get up to 3 years to catch up house payments, stop foreclosures. Chapter 13 may help you much more than filing straight bankruptcy. 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"v J. 800 Nixon, Iffil Hand-wipe- ' - , RICHARD CALDER port any error to the OassMed AM. TO 4 PM. DAILY Department by catling MONDAY THROUGH FROAY We regret that we cannot be reone for more than day's SALT LAKE COUNTY is interested sponsive SALT LAKE County is requesting Incorrect insertion If you do not in hiring a Fiscal Agent to act as that interested architects respond financial consultant for the issucall the error to our attention. to its solicitation of interest ance of tax anticipation bonds Thonk You. regarding the proposed County financial and other services Office Bldg at 2100 S State SoProposals will be due no later FOUR of Utah's Top Black Belts will be received no licitations 1984 For 28, March than 5pm will teach karate tor seif defense later than 5p m , March 22, 1984 call Jann further information and physical fitness Call days For further information call Jann fi . 5B5 Services 800-662-91- t , Legal in Classified : 'I tk. ..-f- . TO SUBMIT BIO ON LOST 1 vmc old male Airdeie Vk 14fhE lath So. nd Area Vocational Center hereby solicits LOST Wedding ring set at Murrey written bids to furnish as speciWarfare cannery March U, fied vocational equipment to be reward, installed into the remodeled REWARD $100. poodto mix, Logan Regional Center in Logan, adult, tamale, "Peaches", DeUtah. Sealed written bids are to cember 6th. 5th W 2nd So. area be received no later than March 20, 1984, at Bndgerlend Area Vocational Center Attention Richard L Maughan, Director, Bridgerland Area Vocational Center, UMC 10, Utah State University, Logan, UT 84322 DESCRIPTION of Equipment Full diesel lab equipment, full welding lab equipment Specifications, proposal forms and coA KNOWN NAME IN BANKRUPTCY pies of dravwngs may be obtained by and tor bona fide bidders only CASES IN the above from address (outside Salt Lcfce each doy, mistakes do slip ; EOUiPMENT-Bnbgerla- RESIDENTS YOUR AD! The NEWSPAPER AGENCY makes evrY Htort to avoid rn In advertisement. Eoch ad Is carefully checked and proofread, but when hunfreds of ads are processed I : V INVITATION UTAH STATE Eves Dial. 237-200- 0 " jl 030 lost and Found 010 Special Notices Spatial Notice 01 0 0 To cancel or correct your t f, C Salt Lake City, Utah C 237-200- 'z srv IV; Special :oio: Notices Dial The Intermountain Area's Largest Shopping Center s's Section To place your ad phone weak 134 George A Christie, vice president and chief economist for F.W. Dodge, said Januarys 12 percent rebound of construction contracting seemed to confirm that the unusually severe weather early in the winter had upset the seasonal rhythm of the construction business It now appears that some of the work planned for December was delayed until January, he noted. Taken together, the Dodge Indei values for the two months averaged 142 That is right wheie it has been hovering since last iummer, when interest rates stabi lized, and nothing has happened lately to change that pattern "Whethei lunstruction activity advances or recedes from this plateau in the months ahead depends mostly on the next development in the credit market. Januarys $5 3 billion of nonresi-dentibuilding contracts showed the good Januarybad December pattern, with a 14 percent gain in the latest month following a previous 8 percent decline. al Commercial and industrial building was responsible for the recent volatility in nonresidential contracting In particular, construction of factories, warehouses and offices bounded back sharply in January. Contracting for institutional schools, health care buildings facilities and public administrawas unchanged tion buildings between December and January. The value of contracts for total residential building homes, apartments and condos, hotels and motels was a strong $6 6 billion in January. After seasonal adjustment, the latest month's contract value was up 16 percent from Decembers rate. one-fami- million unit rate of housing starts was one of the best since the recovery began," "January's e 9 4kM4 4M- 1 9 Mr. Christie pointed out. However, considering the instability of seasonal adjustment factors for housing activity in the winter months, Januarys strong 1 9 million rate was no more a cause for celebration than Decembers weak 12.7 million rate was a cause for concern. The average of 1.8 million units is a better indication of the current strength of housing demand at prevailing mortgage rates, and makes a useful forecast for all of 1984 unless interest rates are driven up, the Dodge economist said. For reasons having more to do with a budgetary freeze than with the wind-chifactor, Mr. Christie continued, "contracting for nonbuilding construction declined in January Although the decline was a negligible 1 percent, it followed an 11 percent dip in December. two-mont- h ll Construction of electric power plants remained at a low level in January, but the start of a $155 million gas pipeline in Texas lifted the utility category above its December value. Total nonbuilding construction contracts for both public works and utilities were valued at $1 9 billion in January. at first, the bank may increase the amount of principal the borrower owes. In other words, a $100,000 house or apartment could end up costing, say, $125,000 in principal alone. So before deciding whether such a deal is advisable, a prospective buyer should assess how much the loan will end up costing and whether the initial ease of payment makes it worthwhile. "A lot of times people will come close to qualifying, Mrs. Carr said This sort of loan will give them the cushion they need to go over the edge. In California, where inflation in housing costs has been virulent, a number of banks have improvised on the interest rate theme by extending the maturity of mortgages and thus spreading out the repayment load At Home Savings of America in Los Angeles, one of the largest home lenders in the West, 10 percent of all adjustable mortgages now carry maturities of 40 years, said Robert Jacobson, executive vice president. He estimated that on a 12 percent, $100,000 mortgage, extending the maturity to 40 years from the standard 30 can trim more than $25 a month from the mortgage payment. It may not sound like a lot, but for some couples it has meant the difference between getting a loan or not, he said. "This loan has given us a bit of a competitive edge in helping people to qualify." (Copyright) HUD Speeds Standards On Prefabs - WASHINGTON (AP) Faced with dramatic growth in the sale of prefabricated houses, the Department of Housing and Urban Development announced last week that it is taking steps to speed up setting of "mansafety standards for ufactured housing. HUD will give prioiity to setting regulations covering formaldehyde emission control and fire safety, according to a written statement from HUD Secretary Samuel R. Pierce Jr. Manufactured housing covers mobile homes and the new, larger prefabricated houses which are shipped in pieces and put together at the building site. The formaldehyde standard will regulate indoor air quality, and the fire safety standard covers materials used in interior finishing. Eventually HUD will also establish a uniform national standard for manufactured home construction design changes for structural durability, transportation requirements and energy conservation levels. HUD has been studying the costs involved in both sets of standards, and has found those involving fire safety and formaldehyde would be less than $100 per unit. Mr. Pierce said a uniform standard will eliminate confusion stemming from conflicting state requirements "The entire purpose of these standards is to improve safety, quality and durability of manufactured housing," he said. Florida Home's Price Draws Concern - PALM BEACH, Fla. (AP) The historic Via Mizner, centerpiece of Palm Beachs ritzy Worth Avenue, is up for sale, and local merchants are worried rents may soar out of sight if the buyer pays the $20 million asking price. The sprawling, yellow structure houses 10 percent of Worth Avenue's dress stores, mostly family-owneshops, jewelry stores and French ice cream stands Bill Moss, president of the merchants assocuton, said many Worth Avenue shops are already having trouble meet ng rents that some a year for a times run store d $20,-00- 0 one-roo- |
