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Show PIME ji 237-200- 0 n t r i r f. YOUR AD! The ASPAPER iron AGENCY every ertcrt n jvod errors m Each od coretortv Our when cheo ed and grooeod. or are processed each aav mistoxes ao stip through. Ae os, theietore, that you cnedfc cour ad the F?$T day aooears or 3 vnmedkifetv report any error to ihe Classifled Department o calling 2372000 toe regret that we comet be tor more man one day s incorrect Insertion it you do not cart me error to as attention. huna--f- Than oQ5 FOUND Biock brown mixed breed doo. tonne feet tong ton, red collar VIC 13QC East 9ou So OoNO Brown and wnne Spaniel type terroe Puppy 9746 F OUNO wnrte cot with txxx spots art J and dock toil. f ft ,f FOUND otoefc spaniel type peppy 7000 So. 2T'20o6 RESIDENTS (outside Sort Lake Area) Te advantage at TOIL WATTS FREE Dog WWi 9 Big Cottonwood Sptiol Notites 010 010 Notki Spatial Compare our price and quality anywhere! Order before Jonuory 31, 1986, and take delivery before April 1, 1986, for savings that won't be repeated! Fresh Start" Chapter Y or CHAPTER LOST German mos. Vk 6th Shepherd ferroie East 86 CHAPTER TIRED o. d crowded drty lounrfry mats Try me Clean, Spacious and Convenient CENTURY CON tAUNORS Over 100 machines Never ony waiting OPESSONAL DRy CLEANING 5 kxahons near you CrtoestNo Tempe Reduce AUTO ACCIDENT INSURANCE COMPANIES HAVE A LEGAL DUTY TO PAY YOU. FEE ON PERCENTAGE BASIS NO 3487 75 SO FREE FIRST 5th EAST, SUIE Simple ptus VISA, 1793 Aest So. 3500 Aest 7 LOCATIONS Open 7 days 7 900 So. We hove custom and modulor cabinetry for every budget Traditional and European styling for every FjLu SERVICE AWL am.-- l p m. Oearhetd Job Corp Center, Monoyeme-iand Trommo Corp e to enter into a contract womd tor vioeo gomes. Ae have o ot 2 gomes m our The successful Didder must otter o wde vyety ot gomes, fun service and mowtenonce. change mochwes and on aftroctive percentage split For firmer infor motion please contact Jan Birch, OgSort Lake City den ext 260 THE Simple 24 HOUR MESSAGES Guardian Trust Provision Personalty Video Taped, Add $150 taste We are factory owned ond offer the absolute best value anywhere Come in ond let us give you a FREE ESTIMATE DAY APPOINTMENTS CLARK BARNEY DEE LONG GENERAL PRACTICE OF LAW 2102 Financing Available Experience! PERSONAL INJURY SIMPLE WILLS- - $40 East 3300 So WARD, ATTORNEY S. 700 DIAL DATEMATE E. 205, SEC eppts also FRIENDSHIP or ROMANCE TELEPHONE ads 49c minute CALL 24 HOURS FREE Motchmtkung Details! WRITE or VISIT DATEMATE 369 East 900 Sa, S.L C BL 89058 CALL personal CRIMINAL DEFENSE vwM wuy urdoy, Jan. MI VUI'IVM, 1. recover ft' Identify contents to 562-437- 1 Redwood Road 9725984 CWOSCE On ana 6AM0fJP ICY Cottonwood Vdtoge 6259 South (Pre-tri- - I SIMPLE) $115 plus $52 Wing SLC, Ogden, Orem 5620 Waterburv No 6 ventng ixtots. uvoliabie DAIO MADDOX 64 Eas6400 South Drv ORCE, in Divorce Decrees JUOO ATTORNEY CATHRYNJ 660 So. 200 East L frtmg fee $52 Services endorses or condemns ony weight toss program nor does It for assume any responsibility claims mode. 120 NOTICE f.f ADOPTIONS $150 INCORPORATIONS $150 FREE CONSULTATION' RondaH Holmgren at Low JANE Divorce. Personal iniurv 8 East 300 So. 735 a reminder to aii those considering partkipatlon In any type of diet or weight loss program, this newspaper recommends that ary such pariklpation be undertaken only after consultation with your doctor. This newspaper neither Dating 100 DIVORCES: Mkhoei E. Tatoot 64 East 6400 South, Suite simple-S6- As Paeiman 7? East 400 Sa settlement) $60 201-- NOTICE Charge tor initial Consultation Murray S90 BL3766 Personals SHOPLIPING ONE SICK? Nursing Service now art kinds of Home Care. LOVED It is wie to inveshgato and art perhaps seek references from organizations concerned with your private life. Community provides hour to 24 CAU mn hours. 486-558- By Don G. Campbell plumbers charging $35 to come out to the house and install a gasket and electricians charging the same amount to replace a fuse, the increase in the sale of books slanted to the market is understandable. Literally any sort of service activity lends itself to the apalthough most of us draw proach the line at setting our own broken leg. Dear Mr. Campbell: I'd like to sell my house, but in order to save money I do not want to go through a real estate agent. I would appreciate your advice on the following: (1) Are there any risks that 1 should expect without an agent? (2) Will you please explain in detail the steps and expenses from the time I find good buyers until all transactions are concluded? By the way. I own the house 50, 50 with my partner As a live-iowner and tenant, am I fully responsible for all repair work an the expense of cleaning, painting, etc., before leavK. Y., Oxnard, Calif. ing the house? A: There are literally thousands of real estate practitioners out there who have acted as their own agents time after time. They wouldn't do it any other way. n Seminar to Discuss S.L. Rental Market luncheon seminar on the rental market in the Salt Lake Valley will be presented Jan. 28 at Little America Hotel, 500 S. Main St. The outlook will be presented by Lee H. Van Dam of Van Dam & Associates from noon until 2 p.m. and will feature a slide show on topics ranging from a review of apartment con-- , struction in the area m 1985; a discus-- ' sion of current rents, vacancies and the supply and demand of apartments; and a look at what 1986 will hold for the rental Industry In the area. Cost of the luncheon is $20 and advance registration and payment Is required For more Information, Van Dam 4 Associates A ft I T i. n uUk GENEALOGY f done TANMNG STOijt 10TH addi 4S to- c . Rrt$ SPEC - 8266 CASSANDRA ClO 144 a Soks Fftta A enu 0 Fifth ;e we ocv-JguoiiTv cwtobig, uu .venun , ,ir ieweify and jn u stoiY'e'd 42;7 6u Hfy wo j VISIT And ei9 a or:esJre Tjevdw S ohrtov to 5 Zeaiond, Australia, $99 FOR OTHER DESTINATIONS e sh dokss ari iCi CAl L 24 -- HOURS ;ws glo Hs-- r JL a YVl oof iets eki coins tokens 3usf C4n pi S004 crt .1 . ft a n 1 jFC D'SAtilTv 1 -- 976-STAR (7827 HOROSCOPES Hear predictions cfeouf vour love life, ca eer hnances and heceth. 50c min. Bus office Black board DlSABlLT' Cart 425 aJLjCA'ES C9 LOgOtnl n YOUftocoo raHvemL'leskk Over VTCXCw yr Then oj need someoi'e to hetn y urcove' oa.'orhmrtifn. propnote you are aiaihed we an he'Oi CRCX KEfi AiSOClATE5 328 iCOI 9 treer Write you r own neon sign in 5 excitit off We can ing colors, then also sih. screen vour company GuARmN (TED INTERVIEWS name and logo directly on the sign Profess Resumes from ihe no giving an neon effect. Where hons orgeat esume wrihng ser ever something needs to be said, J9 oid uo See our od under soy It on Ihe new tor Service Cude 4 BLACK BOARD. Let us demonstrate this exeffing new we ve. product. HTaME WERE NEW SALON OF THE WORLD Services Avortabte' Speciai perms, hair cut and style included $35 Facials and make-uLamp Light noils $35 Manicures, pedkures Sculptured nails, tips and wraps. 1901 So. Main St. conea lfS ?U-- Bontu gpY Nt car? O.vor-crertr7 Coi r Otv we carry contract 35 C So State NEFD 0 RSUM$fhaf sen YOU Gefthenb you want with a resume prepared bv the writing professional, Dtone Devine. Cart Emrty of ON VIDEO MOV a- - e fti n, s toes rx l prit s to voik tooe Lae WH 99 ADOPT omo married molt worts to shr the txxi , hu.ne ono Trai. tv wrth wtvto mfant. txpre, wild. Cart t.rdo T'ans e yoie n a WANT AOS 237-200- $sscd&Efe3eS - With j- IT:0-.L'.- 4rv $425 $349 $349 Acting as Your Own Agent Can Be Done, But It Is Not Easy , UegrCi retired Ge'tiem. veemry ft ond l ost) your nomes .'Fp tinea h - be charge. Fnm-iagreement Far'ii- Cokaf minimum ooss.bie 3ene or J 6V Apt leton Ufs SX.C UT 8419 , S About Real Estate . Prw" eort C 35W?ai YOUR AIRFARE SPECIALS VERY FEW RESTRICTIONS APPL Y COACH ROONOTRiP S3. C Europeon Ohes $a49 S.U.C, London $575 U S Cities JK DAILY FREE Changes BANKRUPTa Sharp DRUNK DRIVING Phone tee Latter Day kieols LARGEST tor LDS only Educahoned clientele. NAT IONS Johnson & Sdlman LAWYER REFERRAL Will direct you to an attorney in your areo who handles your kind ot problem First h hour consultation $15 Bac 4 Sockk Srtuahons Exchange 1st CAU- - FOR THE NEW YEAR 1986 mefce marriage and dating veur resoluhon. Cart CONTINENTAL MARRIAGE BUREAU. 260 East 6th South Lk 7101 Midvale DIVORCE $450 Richard L HalUdoy BANKRUPTCY? Attorney who will sincerely work tor you. Divorce, injuries. Reas, rates. Free 1st consultation. Amy B Dishek HiaNendDr. ShotwThnc Tunk driving. All Felonies and Misdemeanors TrLks Statewide Ctv, State. Federal UTAH STATE EAR (UNCONTESTED, At Law v HARRY Civfl Litigation, Criminal Defense, Collections, Personal injury, Family Law. Divorce Eve appts ovoll Free tniftaJ consultation. DRUNK DRIVING 2354 South - Prochce Concentrates ideas ri MARRIAGE Bio checks, embeniement, frug ortenses, wgery, ceoft coo feft. sex offenses, burglary, Fee on Percentage Basis BAkEY, NELSON 4 CONKLIN leC 7050 Union Park Center, C3HT BAD ERASE 'AAPRO'-'- Obtain NEW dime . a 24 HOURS CALL S.L.C-Ne- ACCIDENTS 102 2M n Feeline 50 $ R. 2ftS-38- SERVICE PERSONAL INJURY LAWYERS 19 YEARS EXPERIENCE No Okf ge tor Consultation DAY & BARNEY: Three factory Owned Showrooms Buildmart Mall 8475 So. Sandy Pkwy. 112 ATTORNEY otHW 715 EAST 300 SO. SUITE upo., STOP SM0KWC-- - 427-00- S5c AUTO. RUION PRICE ckier JettVMktot New program guorjmees or your money Duck Cirt 966 6400 p r. tor ehj 566)100 335 SO. 90C EAST 3 Fee on Percentage Basis Evening appointments available MADOOX 4 SNUFFER 6400 South State Across from Fashion Pioce MaU S. today1 Over 18 Years 4 CREDIT SERVICES 24 HOURS DRUNK DRIVING 4 ASSOCIATES 268-312- 1 0 PROFESS'ONAL EXPERIENCE AUTO. ACCIDENTS PROBATE WILIS M ESCORT Bl ADOPTION, RECORDING tor CRE MASTERCARD ACCEPTED 7 $115 TO DECIDE HR Pul C CREDIT IMPROVEMENT 1? court cost l' Aur jhc. 1 Zeaekto. 747 L odd! mm OPEN $i Vh Ne Sl-- t DIVORCE CONSULTATION PERSONAL KJURY MTERViE-- ACCIDENTS RULONT BURTON 96-87-9 ova LEISURE PLANS aeots, reouiid vtxr credit, get up to 3 years to catch up nouse oovmenfs, stoo foreclosures. Chapter 13 may help you much more than tiling straight 24 kL ON 200So e49 vv4e ao) S.L SERVICE FEES W 45 nsj j A RCy'.ftcS YRiP SLC 4kjwq Vl C Eirape fbuk Hove you been affected by a ooor credff history Need to improve your credit rating Contact utah Credit improvement Specialist! ? 4271 BA N F L , N.L , A I and pion Mai athon Super star Nanonaiad-verhsmcumpoign bv company Ati this and rts absolutely ground floor VI 4o04 ar YOUR DATE MEET i 3 1455 BANKRUPTCIES AUTO ACCIOENTS DEFECTS PRODUCTS Free consultation wrth attorney experienced m Imury cases. No tee unless o recovery is obtained. Steven H Lybbert, geon, ortsfv'OuS unutisity chairman, also Wimbietar cham- WOMEN AND MEN S5 WILL SEE YOU TOOAY HEAR OUR west 4)60 $o. Carnage Square 76-DATE DIAL $115 H.JS i;2 FILING FEE EON'ESTD DIVORCE 1 FIRST CLASS ROUND Hawaii C X. N yen FREE 278-040- 4 1730 1 bankruptcy 7 East 3)00 So. I 4UNCON5TED) $6090 TO START So. 5fh LOST Mapie rock ing char, natural wood firnsh. Lost December 77th. No Questions. REWARD. 14. 3 LOST navy blue leather trench coat, men's med. Large Rew. A.M. TO 4 PM. DAILY MONOAY THOOJGH FR0AY W124HJS ! Dwaa 7 3 1 pm Cochoooo, block LAA OR DEBT ADJUSTMNT head, wtirte body, partially blind. Vk. 9300 Sa 2700 Aest 255-- 6 U5 Classified TODAY' AT y S'G ONE UP AND COMING Mufti Level Marketing is starting out with art me aeortaotirty that og companies tarn of Company promotes owerart nukition and lift extenpon endorsed bv 200 plus wading MD $ and PHtfi including 2 Nubei Prize Wmners Leadirg neon sur- Ths Sl. C, Dener, Ajbuq., Phoenu 487-824- 1 puxy named N4uu Little vk ot Sa Sort Lake. 5.3C YEARS $W booklet ALSO otter 6 YOU awer'CAS Dating une HOLBROOK TO A BMiifia repay on your timetable 11 Tv1DW. CASES LAST CAN SEE STOP FORECLOSURES STOP REPOSSESSIONS STOP COLLECTIONS free, chapter SAME 5000 N 3 boys pet. Reward. a N0Wi Large 7, CAM f. ixwo RICHARD BANKRUPTCY WHITE HUSK 8 ?02 ar Too SmaM EARRING. Reward. LOST-Bi- LINE 1 Case Too aeoawed cot, 160 skis. Saturday on Dus to Brighton. Days 1, 800-662-9- No business or personal lait toptoce YOUR AO m 9 ASSOCIATES CHAPTER 11 0$T AVC yr oid male Doberman 3 ,7 poscheroock tar Reward lOST Pearl and diamond earring. Aas wedding preset Great value REAARO ottered. chance to take advantote ot EXTRA SAVINGS on Oak Kitchen and Bathroom Cabinetry before February 1st foctory price increase RUL0NT. BURTON 4 rr Isiil " Cnyn area 942 5o3S Needs medication, LOST wnrte, dectf, Sandy area, LAST CHANCE SALE!! You UTAH STATE LOST $200 REAARD9 Large curly LOST Lockes god Roe waten, DKKk Ardaw Terrier, smaM diamonds arounc face Lost tan tegs, U 96 Sentvnenta vakje and heaa BROKEN FfcARTED Tjes 3 and 5 year aid. No Reward. 266 1943, meeting nec tor reward. peose cotl LOST Reward! Mate, Lignf Goioen LOST Cocker Spamet, Diock with tan Retriever vicruty at 900 East 3900 feet ana eveorows, wnttt under South Needs medication. neck Mate Area 2700 Aest, 5500 Eves. DoS, Sa Family heartoroken. Reward! LOST Siberian Husky, groy.whrte, No questions. ah 3 wrth cuacx stripe otue eves, mate red Conor 23rd E FOUND BcX Snoggy Chow Sandy Areo LOST Female tohrte Amercan Eskimo, 15ts $200 REAARO MAe ,w . (ltd sc i v - STvwj1 Vk. .! d bi fmvl - : I L LOST l io Red Vijsulo hunter 11572 So 90C Ea Reward. iH '0 r uir1. 1 PLEASE CHECK - , f I i WADE on REtf, j Dial f ft F ' To cancel or correct your ad r. f . 237-200- 0 J t k . y TO BUY SELL t Dial The Intermountain Areas Largest Shopping Center GREAT ( Jsalt akt Srihunr 2TI)c Classified Advertising Section To place your ad phone ' That's not to say that for a layman it or even desirable. Like laying your own tile floor in the kitchen, it always looks easier in the manufacturers illustrations thant is in real life. Here are a couple of considerations to keep in mind before launching such an endeavor: theres anything simple about (1) The average would-b- e buyer is as naive in approaching the transaction as you are. (2) Although a real estate broker is representing the seller, he also can be a pillar of strength to the buyer as well if he takes over the paperwork (when serious negotiations are under way) and lines up the financing. A lot of would-b- e buyers are "turned off" by a seller trying to act as his own agent. They're a lot more comfortable having a professional involved in the transaction. Bear in mind, too, that although buyfairly naive himself, a would-ber is quite aware that the would-bseller, by handling it all himself, is doing so to save the 6 or 7 percent agent's commission and will feel that he also should share in that savings. So, even under the best of circumstances, dont think for a minute youre going to save the entire cost of the commission. Now going directly to basics, let me ask you this: What price are you going to put on the house and whats your rationale for doing so? You probably have a gut instinct based on what you paid for the house and the improvements you have made to it as to what it should be worth. But do you have accessibility to hard and fast figures as to what other comparable homes in the area have sold for not advertised prices but what they actually sold for? If you price your home too low, you may sell it but at the same time lose more than the broker would have cost you in the first place. You should probably have a professional appraisal made (which will cost anywhere from $100 to $150). With such an appraisal, you are in a slightly better position to sound out local lenders on their willingness to extend financing to any qualified buy- - er. (I'll warn you, though, they wont make a firm commitment in most cases until theyve had their own apand thatll be out of praisal made your pocket, too.) Then theres the selling process itself. How good are you at writing advertisements that will entice buyers to take a look at what you are offering? Are you prepared to spend this money week after week to continue the selling effort? Are you prepared to make yourself (and your tidied-u- p house) available weekend after weekend to show it off? Are you psychologically prepared for the snide remarks that "lookers will make about what they see as shortcomings in your house, your furnishings, your taste in paint and wallpaper? fix-uThose paint-up- , expenses incurred within 90 days of your ultimate sale are deductible, but since this is a partnership youll have to split the cost. (If you, as the live-i- n p partner, are going to do most of this work yourself, your partner should expect to compensate you for this.) The paperwork when jou get down to the nitty-gritt(wht n a buyer actually makes an offer a id nu make a counteroffer) can be extremely tricky and potentiuHy dangerous from a legal standpoint. 4nd I hate to tell you this, but at this part both you and your buyer are foolh if you dont have a lawyer on hand to protect both your interests. You. fer instance, could end up with your house effectively off the market for two 01 three months while your buyer casually shops around for his financing Yes, I know. Im going to end up with a basket full of mail from indignant citizens castigating me for discouraging you from this great exercise in entrepreneurship that any could ao standing on his head. So be it. y dull-witte- d e e i Dear Mr. Campbell: With reference to your recent column about financing, I would like to know how such a technique is handled from a tax standpoint. Since the lender at closing in effect is paying a certain amount of the interest, is the property owner entitled to deduct the full amount of interest each year even though he didn t technically "pay" it in the monthly mortgage payments? Also, upon resale would my cost basis be adjusted downward9 - Ms. T. G., Englewood, Colo. buy-dow- n Mortgage Kates Fell in 85 as Payments Rose lUPI) age tell rates fer residential NEW YORK A mort;t more than 1 percent in 1985, but the payaverage conventional-mortgag- e ment rose :o $865 a montn, compared with $845 in the previous year, a housing iri'iujty survey reported last week In addition, St. Louis ranked No. 1 among cities in the housing group for the fourth consecutive year, w hile San Diego ranked No. 1 A' Its an intriguing idea, but the among cities in the Internal Revenue Service gives .1 rehousing group, also for the fourth i sounding "no" on both counts. year in a row U The survey was conducted by $ As we said before, a is a Housing Markets, a publication of the Lomas & Nettleton, one premium that the developer pays the Dallas-baselender in order to be able to ofrir his of ihe nations largest mortgage units at an interest rate that is (at bankers least for the first one, two or three The reiuirt found that when inte-es- t years) lower than the market. rams dropped in 1985 home buyers chose to purchase larger houses rather than take advantage of lower payments. Buyers also shifted in large numbers from adjustable-ratmortagps other 1977. since every year to fixed-ralmortgages, even tboMh Real estate inflation is hot in Bosthe average ARM rate was 1W perton and New York reminiscent of cent lower than the average fixed Southern California in the late 1970s rate. when land prices in some areas were Fixed rates jumped from a 38 perrising 33 percent a year. cent share of the conventional-mortag- e Housing economists feel the Northmarket In 1984 to 50 percent (aqt east is undergoing an economic boom year. due to explosive growth in the comThe average pru e of a conventially puter industry and financial services. financed "new" home increased "Vk New Yorks median home price of percent to $104,100, 3j $129,700 is a 44 percent jump in juvt two years, while the Boston price of $126,000 represents a 56 percent increase. "That has been a hot, hot market," Christian said, "and Its been generally overlooked." A free home-buye- r s seminar will The study showed that the Los Anbe offered Wednesday by Century 21 McAffee Realtors, 4900 S. Redwood geles and Anaheim areas, with median prices of $123,000 and $122, 0X). reRoad, at 7 p m. spectively, ranked fourth and fifth on Three realtor- s- Lonl Larsen, Lynthe most expensive list. will disda Smith and Patti Snyder In the 1983 survey, Los Angeles cuss the tax advantages of owning a headed the list at $139,950, while the home, fmum mg and the current market conditions in the Salt Lake area. Anaheim area was No. 2 at $125,018. For more information, contact However, real estate prices are still rising in San Diego. Century ?1 McAffee Realtors. most-affordab- le least-affordab- buy-dow- n d Home Prices in N.Y., Boston Soar Past L.A. By Tom Furlong Los Angeles Times Median selling prices of homes in Boston and New York, where real estate values are soaring, are now high- in the Los Angeles area, where median prices are falling, according to a study released last week by a major savings and loan trade er than group. Further, the study shows San Francisco has replaced Southern California as the region with the most costly housing in the nation. The median price of a home in the San Francisco area increased to $152,000, far ahead of second place New York at $129,700. (The median price means that half the homes ire selling for more and half are selling for less.) The study, conducted by the U.S. League of Savings Institutions, also levels across noted the nation arc continuing to drop and that the popularity of short-termortgages is surging About orn In every seven homemortowners is choosing a gage, more than double the 1983 level, home-ownershi- p the survey said. Most mortgages are for 30 years. The mortgage's higher monthly payments allow homeowners to build their equity more quickly at a time when real estate inflation has disappeared from many markets. "People are building equity in their homes the way they are paying for It, said James W Christian, the U.S. Leagues chief economist. Home ownership in general is "becoming more difficult to achieve," the study said, in part because bankers are toughening their lending standards by requiring larger down payments on mortgage loans. The number of American households who owned their own homes peaked at nearly 66 percent in 1980 but stood at less than 64 percent in 1985, the lowest level in 18 years, the survey said. The survey was based on more than 16,000 mortgages that were made by savings Institutions from April through June 1985 The U.S. League has been doirg such studies 1 e Seminar Wednesday On Buying a Home1 1 |
