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Show 0 Davis County Clipper Barlow to lead Sprint PCS sales for Utah try perspective dating back to the days when he sojd car phones weighing 30 pounds. "Those phones filled up half of a car trunk and cost four thousand dollars, recalls Barlow. His industry expenence has since ..panned two decades. As former General Manager for AT&T Wireless Utah Paging Division, Barlow received the national "Market of the Year award for top performance in 1995. He also spent five years as Major Account Sales Manager at Cellular One, prior to its merger with AT&T. The wireless industry is very vibrant and on the verge of introducing RICK BARLOW An industry veteran with 20 years experience will lead the Sprint PCS sales organization as the company launches its new digital PCS (personal communications service) phone service. Rick Barlow, Bountiful, has accepted the position of Director of Sales for Utah. In early 1997, Sprint PCS will utilize a technology in digital wireless communications called CDMA (ctxlc division multiple access). This is the most exciting advancement I've seen in my entire career, says Barlow. When Sprint PCS throws the switch on Utah's only CDMA system, the public will be able to experience a sound quality that compares to home or business telephones. Barlow brings Sprint PCS an indus new technology, says Area Vice President John Kapitula. With 20 years of experience, Rick is a true pioneer in the profession. He has the history and the perspective to cultivate a solid relationship between Sprint PCS and Utah's consumers. He tolerates nothing less than top notch customer service. American CommunicationsSprint Personal Spectrum, Sprint PCS launched the countrys first PCS service in November 1995 in the Washington D.C. Baltimore area. Today that system serves more than 100,000 customers. Personal Vision can help meet career goals SALT LAKE CITY Most New Years resolutions are forgotten before the countdown is completed at Times Square. This year, instead of making career resolutions that fizzle, one should take time to develop a solid Personal Vision that will take one into the next decade according to its provider The Highlands Program. Director Steven J. Chen, Ph.D. states that the Highland Program is .an innovative service designed to help people develop a personalized plan to arrive at meaningful career and life goals by developing a Personal Vision. A Personal Vision is an articulate, detailed description of how one wants to live life, ones Finding an affordable home is difficult, even for families with two working adults. For single aid buyers, its even tougher. Area banks otter several loan programs specifically tailored to help these home buyers. The Home Start program was designed to help first time borne buyers with household incomes at 80 percent of median income or below. This represents an income of $36,400 for a family of four in the n Salt area. The prospective home buyer must retain a dedicated savings account far at least 10 months. The funds accumulated in the savings account will be matched up to $3,000 with funds from the Home Start grant,. The home must be purchased w ithin two years of the initial savings deposit Some 250 families have participated in the Home Start low-inco- low-inco- program. More are expected to apply as affordable housing becomes harder to find, according to Franklin Gonzalez. Affordable Housing administrator for the Bank of Utah. The Program, was initiated by the Ogden City Redevelopment Agency. The Program's goal is to assist home Own-In-Ogd- Lake-Ogde- 1937 page B3 buyers in finding affordable housing and ensuring that it will remain affordable for a minimum of five which makes years. up to $2,000 available for down payment and closing costs is also meant to attract buyers to the Ogden are and help revitalize Ogdens older neighborhoods, To qualify for the program, the borrowers annual family income must not exceed 80 of the area-wid- e median income, as determined by HUD. They must also complete the Utah State Unrversity Home Buyer Education Program. The CHAMP home ownership assistance program, administered by die Utah Housing Finance Agency, is also available. This program helps first time buyers who have insuffi cient income or the inability to save enough for a down payment and closing costs. CHAMP contributes 4 percent of the mortgage loan amount toward a CHAMP home buyers down payment and closing costs. For individuals interested in or refinancbuying a ing to make home improvements. Bank of Utah offers a 2Q3K loan. This allows the borrower to acquire one mortgage loan to pay for both the purchase and the improvement of the property, the loan amount is based on the value of the home with the work completed, and does not require a short term loan w ith a high interest rate. fixer-uppe- r" The sale from assets is capital gains ual, partnership, or company. Once profit is made from the sale of these assets, it is called capital gains. From the time a homeowner buys their first home, the purchase price becomes the property's basis for calculating capital gain. At resale, taxes may be required on any proliis realized. A profit is indicated if the sales price exceeds the price paid fur it. However, the cost of selling (advertising, commissions, etc.) can be Capital can best he described as wealth, money or property, owned, used or aecumulated by an individ- - The Home Seller by Elaine Schlehuber deducted from the sales price. Maor improvements, not just repairs, to the home while the home buyer owns it. may be added to the original cost. Capital gains taxes may be deterred tf a replacement home is purchased with 24 months of the sale. The 24 month period may extend before or after the sale. The cost of the new home must be at least as much as the net sales price ol the home sold. No lax is due in Ihe year ol sale hul the basis ol the new home is reduced hy the amount ol gam deferred The deferral o! capital gams taxes tan go on indefinitely, each tune reducing the basis hy the taxes deterred. Alter the age ol 55. a homeowner may sell and receive an exemption of $125,000 in deterred gain. This can he done onlv once in a lifetime. The services ot a competent professional should he sought out lor each mdiv idual suualion Angels Home Health offers seniors services Senior citizens in need of assistance, have a new local company eager to help! Angel's Home Health, located in West Bountiful, is a licensed provider of home health care services to local senior citizens. Seniors that are essentially homebound, can ning errands, skilled nut sing, and physical therapy services. The home health visits are usually covered by Medicare with no out of pocket cost to the patient. Many people have a limited understanding of the help available through the Medicare Home Health Care program, according to Annette Irwin, president of Angels Home Health. This lack of understanding can place an qualify for daily assistance with personal hygiene, meal preparation, housekeeping, run undue burden on family members tiymg to care for loved ones." Angels Home Health olleis a free information pamphlet entitled. "Home Health Do You Qualify? that further explains benefits available to seniors through the Medicare Home Health program. The pamphlet may he obtained hy calling Angels Home Health at 292-034- Gamer Insurance Concepts whole life, not just ones work life. It needs to be based on realistic information about who one is, what one does and doesnt do well and what one wants to accomplish. The Highlands Program is a 40 hour program which offers abilities testing, personal feedback and strategic seminars to assist people at the following turning points: high school to college, collect to the work world, 30' s assessment, mid-lif- e transition, 50s assessment and retirement transition. It is administered by licensed psychologists and counselors who have been trained by THPs corporate , Programs help find affordable homes Sprint PCS is a joint venture of Sprint Corporation, Telecommunications, Inc. (TCI), Comcast Corporation and Cox Communications. Sprint PCS is licensed to provide service in 33 Major Trading Areas (MTAs) with a population totaling 190 million people, making it potentially the largest wireless communications company in the United States. Through its affiliate, Tuesday, January 21 D - 1610 SOUTH MAIN SUITE 298-597- 7 Representing L. - established r.o. - LEE GARNER AUTO HOME LIFE HEALTH Quality Truck Accessories & more! Bugshields, Fender Flares, Rocker Panels, Diamond Plate Bed Caps, Tool boxes, Bed liners, Floor mats, Stickers 583 W. 800 So. Bountiful . 294-600- 5 office. Dr. Young certified in laser eye surgery Dr. Whit Young, a Bountiful eye specialist, has completed training to become certified in laser eye surgery for Training was done at George Washington University Medical Now Y School in Washington, D.C. and the Laser Eye Site in Salt Lake City which is affiliated with the Ophthalmology Department of the University Medical School. Dr. Young has become an affiliate of the Laser Eye Site and its ophthalmology faculty. PRK or Photo Refractive Keratotomy is a very accurate procedure which can successfully eliminate the need for glasses in most cases of Anyone interested in learning if they are a candidate for this procefor a free dure may call phone consultation or for an 295-557- 5 Zero Down, Zero Payment, Zero Interest Until September 1997, H fcwii '$400 m NLnyWrtwMQpftwufjr DR. WHIT YOUNG mi ttcwmn A appointment. you agree to accept private mortgage insurance (PMI). PMI protects the lender if the buyer defaults on the mortgage loan. In most cases, the buyer must make a down payment of at least 4 to be considered for PMI. This coverage is available on a wide variety of conventional mortgages. Since mortgage insurance companies use essentially the same guidelines as lenders to qualify borrowers, so that if you are approved by I affordable. 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