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Friday, May 29, 2015


U-Bild projects by Don and Dave Runyan These deer are perfect for planting


Perfect for the porch or patio—or even indoors—this trio of deer plant- ers is a great way to add a little do- it-yourself “wildlife” around the old homestead this summer. And unlike the real thing, they’re guaranteed not to sample the greenery!


Made from standard pine or fir lumber (plus wooden balls and but- tons for the noses and eyes), each planter calls for just 14 traceable pieces. Since all three sizes are put together following the same five basic steps, once the first is done the oth- ers are especially easy—so easy the whole family can get in on the fun. Construction is simple. First, trace the parts onto wood, cut everything out and sand. Next, assemble the parts using glue and nails. Finally, add the eyes and nose and apply a coat of clear sealer (as pictured), paint or stain. Build any or all of the three in any combination or quantity. The smallest deer is 16 inches tall by 14 inches long by 7 inches wide;


the medium deer stands 24 inches tall by 22 inches long by 10 inches wide; and the large deer measures 32 inches tall by 30 inches long by 13 inches wide.


The Deer Planter Trio plan, No. 745, is $9.95 and includes step-by-step directions with photos, full-size trace- able patterns, an assembly diagram, a shopping list and cutting schedule and a toll-free help line for project questions.


A package of three animal planter plans, No. C103, is $21.95 and includes this plan plus plans for a cow planter and a donkey cart planter.


To order by mail, clip this article and send


it with a check or money order to U-Bild Fea- tures, c/o Springfield News-Leader, 3800 Oce- anic Dr., Ste. 107, Oceanside, CA 92056. To or- der by credit card, or to request a free catalog, call 1-800-828-2453. Visit U-Bild on the web at u-bild.com.


Mortgage glossary


Appraisal: a document that gives an estimate of a property’s fair market value; an appraisal is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.


Closing: also known as settlement, this is the time at which the property is for- mally sold and transferred from the seller to the buyer; it is at this time that the borrower takes on the loan obligation, pays all closing costs, and receives title from the seller.


Debt-to-income ratio: a comparison of gross income to housing and non-hous- ing expenses; With the FHA, the monthly mortgage payment should be no more


than 29% of monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41% of income.


Deed: the document that transfers ownership of a property.


Earnest money: money put down by a potential buyer to show that he or she is serious about purchasing the home; it becomes part of the down payment if the offer is accepted, is returned if the offer is rejected, or is forfeited if the buyer pulls out of the deal.


Escrow account: a separate account into which the lender puts a portion of each monthly


mortgage payment; an escrow account provides the funds needed for such expenses as property taxes, homeowners insurance, mortgage insurance, etc.


Principal: the amount borrowed from a lender; doesn’t include interest or additional fees.


Survey: a property diagram that indicates legal boundaries, easements, en- croachments, rights of way, improvement locations, etc.


Truth-in-Lending: a federal law obligating a lender to give fuII written disclosure of aII fees, terms, and conditions associated with the loan initial period and then adjusts to another rate that lasts for the term of the loan.


Information from the U.S. Department of Housing and Urban Development REALTORS®


HAVE ALL THE RIGHT PROPERTIES


Residential • Commercial • Industrial • Farm and Land Property Management • Syndication & Securities Appraisal • Counseling


REALTORS® are members of a local board of REALTORS® and the


NATIONAL ASSOCIATION OF REALTORS® and work to protect property values and property rights.


Many REALTORS are members of the National Association’s Affiliated Institutes, Societies, and Councils. These members have specialty designations and participate in programs that develop the necessary skills and knowledge required to meet the highest standards or professional excellence.


When you have a specialized real estate need, see a specialist who’s a REALTOR.


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