MORTGAGE RATES - The Mining Journal
Transcription
MORTGAGE RATES - The Mining Journal
MORTGAGE RATES: 2D House XXXXX To Home Mosquito Check out current 2D 2D PREVENTION THURSDAY JULY 14, 2016 1D MORTGAGE RATES Right at Home Add some flair to your dorm decor M oving into a dorm is one of college life’s most exciting milestones; it’s the first time many kids are living away from the comfy confines of home. But the thrill can wane when the dormitory door opens. Most dorm rooms are pretty basic, with plain furniture and institutional floors and walls. So how do you take a room from spartan to snazzy when most of the budget is going to meal plans and books? “No matter how small and cramped your dorm room may be, you can still find cute ways to store all your stuff — without spending a ton on organizKIM COOK ers and decor,” say Seventeen magazine editor Kristin Koch. She and stylist Sarah Newell suggest creating a floating shelf out of a magazine file box, and turning clear plastic paint cans into storage for hair accessories or school supplies. (www.seventeen.com ) Repurposing and rethinking are the keys to good hacks. Tikva Morrow is editor in chief at Hometalk.com, a New York-based do-it-yourself home and garden website. She says it’s tempting to load up on kitschy decor, but that’s a budget sucker. “DIY some pretty embellishments of your own instead,” she suggests. “Bring along a few rolls of washi tape for wall decor and picture displays, and make a few large prints for walls.” Decorative tape and fabric can also be used to jazz up shelving and built-ins. Is that your roommate’s laptop charger, or yours? Identify the cords and accessories by wrapping them with colorful tape, advises stylist and HGTV.com contributor Michelle Edgemont. She also suggests adding the tape to a plain Jane table, or closet door. Look online for instructions on how to make no-sew or simple-sew pillows with old T-shirts or sweaters. “Cute throw pillows are easy to make, and even a headboard can be DIY-ed using a large piece of cardboard, some fabric and a hot glue gun,” Morrow says. Shower stall caddies can be hung on a door or wall to corral loose items, says Gurl.com’s Jessica Booth. And organization blogger Laura Wittman of Alberta, Canada, says shower-curtain rings can turn ordinary hangers into scarf and belt organizers. Or use the rings to hang fabric or curtains over existing dorm blinds, personalizing your windows. Dorm floors are pretty institutional, but students don’t want to spend on nice rugs that will get lots of wear and tear. On Hometalk.com, Brooke Bock of Tyrone, Pennsylvania, shares how she made a shaggy throw rug using a piece of non-slip rug matting and recycled sheet scraps. On the same site, Sarah Ramberg of Simpsonville, South Carolina, contributed the idea of turning a silverware tray into a jewelry holder using paint, stencils and cup hooks. A silverware tray tucked into a drawer makes good hideaway storage for keys, ID cards, sunglasses and electronics. Design duo Zest It Up in Atascadero, California, suggests creating an artsy, no-maintenance indoor garden by painting smooth rocks and planting them as faux cacti in a cool pot. In many dorms, beds are on lofts over desks or storage areas, says Target stylist (and recent UCLA graduate) Tiffany Ma. She recommends using Target’s Room Essentials Micro Fiber Sheets with side pockets: “It’s like having your own floating nightstand to hold your phone, tablet, book or glasses. You can get your exercise walking to class, instead of climbing up and down from your bunk.” The retailer’s also got an over-the-door, full-length mirror with built-in organizer. “There’s nothing more boring than the typical cinderblock dorm-room wall — they’re almost impossible to nail or screw into, plus you don’t want to get in trouble for marking them up,” Ma says. Consider a colorful tapestry or a mural photo-printed with a “view”: a city at night, a scene from some faraway land, a serene nature-scape. Attach the cloth with nonmarking adhesive strips. (www.target.com ) When you’re doing the school-supply run, grab some extra sticky notepads. Pinterest is full of ideas for wall art made with the sticky notes. And instructions for crafting decorative flowers are at www.post-it.com . Or create a framed corkboard or mirror using rolled-up magazine pages and Mod Podge. Using a paper punch, turn metallic or paper cupcake holders into frilly foils for string lights; Los Angeles designer Emma Jeffery shows you how at www.fiskars.com. Visit the Journal on the web: www.miningjournal.net In a July 6 photo, Phil Cross, left, and Jeff Williams inspect the exterior of the traditional Caddo grass home being built, at Caddo Mounds State Historic Site west of Alto, Texas. Cross, 74, is a Caddo tribal elder from Anadarko, Okla., and the last member of the Caddo Nation who knows how those who called this area of East Texas home in antiquity built their houses. (AP photo) Thatched home set for Caddo Mountains State Historic Site By ANDREW D. BROSIG Associated Press ALTO, Texas — Under a bright blue sky dotted with fluffy clouds, a piece of East Texas history that hasn't been seen for more than a century is returning to life at the Caddo Mounds State Historic Site. The Tyler Morning Telegraph reports Phil Cross, 74, is a Caddo tribal elder from Anadarko, Oklahoma. He's also the last member of the Caddo Nation who knows how those who called this area of East Texas home in antiquity built their houses. And that's knowledge he's brought with him to construct a grass thatch home at the site. Surveys of the area show evidence there were once several of the structures of various sizes at the historic site. Cross is leading a volunteer crew erecting a 25-foot diameter structure in an area surveys indicate is between where two historic buildings once stood. "I learned when I was young," Cross said. "I saw them going up, and later I was shown how to do it. "This is an important part of one of the main things of any culture: Food, clothing and shelter," he said. "This is a main component of what our culture was, our villages." The project has been about a decade in the planning stages. At least, that's when Cross was first contacted by staff of the historic site, he said. There had been other attempts, not entirely successful, to build Caddo- style structures on the site. The last one stood for about 15 years before it finally became unsafe and was razed by fire in a memorial service several years ago, according to Jeff Williams, president of the Friends of Caddo Mounds. "This helps us make a connection with the Caddo Nation," Williams said. "It's part of our educational outreach for kids in East Texas." The Friends group raised money for the project, supplemented by grants from different organizations. Part of the grant included funds for an apprentice builder, Chad Earles, of Oklahoma City. Sharing his knowledge is a way for Cross to connect the past with the future. "This links us to our past, which strengthens our culture," he said. "It's from the past, but it's one more plant in what our traditions were and still can be." The last grass houses in daily use were replaced about 1900 as modern buildings — log homes, frame houses, etc. — became more prevalent on reservations around the country, Cross said. The grass house build process is fairly simple but labor intensive. Villages would come together as a community and, in the spirit of a barn raising by European settlers later in time, could put one of the buildings up in about a day. First, the diameter of the structure was set, which determines how many vertical poles are needed. The group at the historic site set 32 poles to support the thatch exterior of their home, Cross said. Once the number of poles is known, that number of families would be brought together, each responsible for a single pole and sufficient grass to thatch their section of the house. On a predetermined day, the village would gather, and the build would begin. The poles would be set and secured around a central pole, which would later be removed. Horizontal ribs about 18 inches apart were tied in place, and women in the village would begin scaling the ribs, securing the thatch bundles as they went. "This will make the interpretation of the history of the site a little easier for our visitors," Anthony Souther, Caddo Mounds Historic Site manager, said. "We can build this and call it a Caddo house, because (Phil Cross) helped us build it. If we'd built it ourselves, we'd have to call it a reproduction." And the house has already begun attracting folks from around the area. Travon Brown, a teacher at Whitehouse High School, brought his children to see the site and stumbled upon the house build. Until Wednesday, he hadn't known the historic site was there, he said. "To be here today and see this building project, it's amazing," Brown said. "It's amazing to know what was here before we were." In a July 6 photo, Volunteer Kathy Lathen of Garland, Texas, uses what is essentially a large wooden sewing needle to thread twine through the thatch bundles and around the horizontal supports on a Caddo grass house project build day at Caddo Mounds state historic Site near Alto, Texas. The twine is used to secure a second horizontal support on the outside of the bundle, securing the grass thatching in place, much like shingles on the roof of a wood-frame house. (AP photo) 2D The Mining Journal Thursday, July 14, 2016 House to Home Mortgage Index 30-YEAR Rate-Fee/Pts. 15-YEAR Rate-Fee/Pt. High rate 3.50 1 2.75 1 Low rate 3.00 1 2.25 1 Average rate 3.25 1 2.50 1 This graphic represents a Tuesday survey of regional lending institutions. Figures are based on rates at Range Bank, Northern Michigan Bank, mBank, Marquette Community Federal Credit Union and TruNorth Credit Union. Kitchenwise: Tuna or salmon stuffed eggs rescue lunch box By SARA MOULTON Associated Press If it’s already time to start gearing up for school — and if you’re open to rethinking the typical lunch box fare, consider losing the sandwich and embracing the stuffed egg. There’s nothing more elemental and satisfying than good bread, but the standard loaf is loaded with empty calories. Eggs, by contrast, are low-carb, high-protein and gluten-free. And just about anything you can slide between two slices of bread can also be stuffed into a hard-cooked egg. Still, I’m not talking about the typical version, loaded with mayo and a sprinkling of paprika. I mean eggs filled with any number of more substantial, and tastier, ingredients — from tuna or avocado to chicken or roast beef. First, how to boil an egg. As a student of Julia Child, I spent decades “boiling” eggs the way she taught us, which was, in fact, not to boil them. She started by putting the eggs in a pot of cold water, then brought the water up to a boil. Next she turned off the heat, covered the pan and let the eggs sit until they were hardcooked. Finally, to stop them from cooking, she pulled the eggs out of the pot and chilled them briefly in a bowl of ice water. This method results in egg whites that are more tender than if they had been conventionally boiled. Then a few years ago, I heard from a couple from Chicago who suggested steaming the eggs. This method turns out to be easier to time than the no-boil method because you don’t have to wait for the water to heat up. But much more important is the end result: the whites are ridiculously tender. HARD-BOILED EGGS Start to finish: 40 minutes (5 minutes active) Servings: Makes 6 hardboiled eggs 6 large eggs Fit a collapsible steamer inside a medium saucepan and fill the saucepan with about 1 inch of water or to just below the level of the steamer basket. No water should be touching the eggs. Put the lid on top of the pan and bring the water This July 5 photo shows stuffed eggs with tuna, topped with dill, and guacamole, topped with tomatoes, in New York. This dish is from a recipe by Sara Moulton. (AP photo) to a medium-high boil over medium-high heat. Using a large, long-handled, slotted spoon, place the eggs in a single layer in the steamer, being careful not to burn your hand with the steam. Steam the eggs for 12 minutes. Transfer the eggs to a bowl of ice and water and let them cool completely. This will take 20 to 30 minutes. When they are cool, crack them all over and peel under cold running water, starting at the wide end of the egg and making sure to get under the membrane (which makes it easier to peel the egg). TUNA OR SALMON STUFFED EGGS Servings: 12 stuffed egg halves One 3.5 ounce can tuna or regular salmon, or smoked salmon, drained 6 large hard-boiled eggs 1/4 cup mayonnaise 1 tablespoon fresh lemon juice 2 tablespoons minced celery, plus celery leaves for garnish In a medium bowl mash the tuna with a fork until it is in small flakes. Cut the eggs in half and remove the yolks. Add the yolks to the tuna and mash the mixture well. Stir in the mayonnaise, lemon juice and celery; salt and pepper to taste. Mound a heaping spoonful of the yolk mixture into the cavity of the whites and garnish with the celery leaves. GUACAMOLE EGGS Servings: 12 stuffed egg halves 1 medium ripe Hass avocado (about 3/4 cup) 6 large hard-boiled eggs 3 tablespoons minced scallions 2 to 3 teaspoons minced serrano chile (with the seeds and ribs) or to taste 1 tablespoon mayonnaise 2 to 3 teaspoons fresh lime juice, or to taste Coarsely chopped cherry tomatoes, sprinkled with kosher salt for garnish In a medium bowl mash the avocado with a fork until it is mostly smooth with a few lumps. Cut the eggs in half and remove the yolks. Add the yolks to the avocado and mash the mixture until it is smooth. Stir in the scallions, chile, mayonnaise, lime juice and salt and pepper to taste. Mound a heaping spoonful of the yolk mixture into the cavity of the whites and garnish with the chopped tomatoes. TUNA OR SALMON STUFFED EGGS Nutrition information per serving: 86 calories; 56 calories from fat; 6 g fat (1 g saturated; 0 g trans fats); 99 mg cholesterol; 68 mg sodium; 0 g carbohydrate; 0 g fiber; 0 g sugar; 7 g protein. GUACAMOLE EGGS Nutrition information per serving: 62 calories; 43 calories from fat; 5 g fat (1 g saturated; 0 g trans fats); 94 mg cholesterol; 64 mg sodium; 1 g carbohydrate; 1 g fiber; 0 g sugar; 3 g protein. EXPERIENCE COUNTS Since 1936 228-9297 500 S. Third St., Marquette 49 YEARS George Hazeres, CRS Cell: 360-9318 This is MAX. He found his very own bachelor pad. He found it fast in the Classifieds. EXPERIENCE COUNTS Since 1936 People like Max, People like you, People like… 228-9297 CLASSIFEDS 906-228-2500 906-486-4401 906-562-7811 26 YEARS 500 S. Third St., Marquette Ronald Gingras, GRI Cell: 360-0850 Now Is The Time To Build The Home Of Your Dreams Wisconsin Homes Qualify for 3.75% APR Bank Loans On your lot, with well & septic, we do it all, start to finish! Builder of Wisconsin Homes 3111 N. Lincoln, Escanaba 906.786.2779 WisconsinHomesInc.com Built To Last 100 Years! Cutting mosquito numbers in the garden helps control disease By DEAN FOSDICK Associated Press Mid-summer is shirtsleeve weather, an enjoyable time of year to be out and about with family and friends. But it also is the heart of mosquito season, so beware the escalating health risks caused by their bites. The No. 1 prevention practice is eliminating any standing water that could serve as a mosquito-breeding site. “Still water is a great environment” for the insects, said Scott Zide, founder of Mosquito Squad, a mosquito and tick control service with 200 locations around the nation. “Onehundred-plus mosquitoes can be hatched from a single bottle cap full of water.” Things like tire swings, buckets, fire pits, rain barrels, plant saucers, empty pots, clogged downspouts, ornamental fountains, birdbaths, wheelbarrows, animal dishes and kids’ toys, including wading pools and upside-down Frisbees, can collect enough water for mosquitoes to breed. “These are the kinds of things you have to turn over,” Zide said. 1900 Presque Isle Ave. 228-7255 FEATURED PROPERTY 911 Lakeshore Blvd, Mqt Excellent Business opportunity to own a restaurant across from Lake Superior! The property can be split with .713 acres with the restaurant. (1092752) $899,900 279 Johnson Lake Rd, Gwinn Fall in love with this large two bedroom lakefront getaway, with a fireplace, finished basement, 2 large heated garages and more! (1095550) $399,900 616 N Pine St, Ish This is an excellent investment opportunity, 4 units with a strong rental history. Each unit has over 1,000 sq. ft. of living space, recent updates throughout the building! (1093451) $185,000 3063 W Albert Ln, Gwinn Enjoy West Bass lakefront living at this 3 bedroom open floor plan home with great family and entertainment space on the lower level, two docks, sauna and gazebo! (1091230) Reduced! $254,999 2936 W Pike Lake Ln, Gwinn Make lasting memories at your Pike Lake Camp! 2 Bedrooms, can sleep up to 8! Best fishing and swimming! (1093717) $89,900 www.lookrealtyinc.com This May 3 photo shows a fountain in a yard near Langley, Wash., which harbored mosquito larvae until it was emptied, cleaned and then powered up where it became a popular site for bird life. The number one mosquito control practice is eliminating any standing water that serves as a breeding site. (AP photo) Some mosquitoes drop eggs that cling like glue to the sides of water-filled containers, he said. “These you have to sanitize, making sure they’re cleaned and scraped off and with no water left behind.” The Mining Journal 3D Thursday, July 14, 2016 Real Estate Classifieds It’s like having a rummage sale in the winter! Use ur U se oour N IFTY IFTY $ $250 250 COLUMN to sell those great deals!!! Only $12.00* for 4 lines (approx. 12-15 words. total $250 or less & runs 6 days!!! Call 906-228-2500 Classified Dept. *All ads prepaid at time of placement. All major credit cards accepted. Deadline 5:00 PM day before ad runs. Open Houses Saturday, July 16, 1:00-3:00 PM 2155 Co. Rd. 565, Gwinn Saturday, July 16, 11:00am-2:00pm 609 Vine St., Marquette Directions: From Mqt: US Highway 41 West to Baldwin, South (left) on Baldwin to Cherry St., East (left) on Cherry St to Grand Ave., South (right) on Grand Ave to Vine St, East (left) on Vine St to home on left. Directions: From Marquette, take Co. Rd. 553. Turn right on Southgate to M-35 to Co. Rd. 565. Home on left. This beautiful 4 bedroom, 3 bath home has it all, from vaulted living room, fireplace, great deck the pool and every handyman’s dream garage! MLS1090884 $299,500 Great family home in a quiet section of Negaunee. Home is in move in condition. The detached two car garage is a plus. Home is wheelchair accessible via a ramp at the front door. The additional large shed in the back makes a great workshop. Home has been well maintained and has some cute features. Take a look for yourself to see how you can make this your new home. Motivated Seller! Make an Offer! NEW PRICE! $84,500 Listed by: Steve Pelto Shown by: Carol Vining Moore (906) 360-2633 228-7255 1900 Presque Isle, Mqt. (906) 228-5230 www.lookrealtyinc.com OPEN HOUSE 129 Blueridge St., Marquette Sunday, July 17th, 1:00-3:00 pm Directions: From US 41 south, turn right on Silver Creek, left on Smith, left on Blueridge Street, home is on left. 5 bedrooms, 4 bathrooms, 2,325 sq. ft. Park like setting on .54 acre lot just minutes from downtown Marquette. $249,900 Brooke Berube 906-204-6378 [email protected] www.brookeberube.com ® 1st Realty Each office independently owned and operated 4D The Mining Journal Thursday, July 14, 2016 SELECT REALTY’S FEATURED LISTINGS! Only agency to promote all listings in The Mining Journal NEW LISTING NEW LISTING NEW LISTING NEW LISTING ERIOR KE ELINOR LAKE SUP LA TBD Peshekee Grade Michigamme 1 Bedroom Camp on 2.7 Acres $90,000 1095893 2881 Co. 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Crescent St. Marquette 4 Bedrooms, 2 Baths $163,500 1093051 Jennifer Cosco 250-5548 Dana Swajanen 360-9048 Lee Haynes Property Management 228-2772 Don Schinella 475-5238 Paul Wolfson 360-2772 Missy Lehtomaki REALTOR Assistant 869-2770 John Martin 361-9029 Julie Olson REALTOR Assistant 250-0893 E BLUE LAK Stephanie Jones 362-3823 Breck Tonella 250-7138 Carol Brady 362-3152 Joe Papin 360-6506 Carrie Harvala 869-3573 Betty Kinnunen 906-202-2223 N290 Federal Forest Hwy. 13 Wetmore 2 Bedrooms, 2 Baths $129,900 1091616 LeAnne Kachmarsky 360-4680 Lucy Anthony 250-5152 Karen Nygard 360-0327 Chelsea Perry 361-0207 Walt Maki 250-6265 Stephanie Bahrman 362-2699 Richard Toledo 906-202-9286 Alana Carrott 361-0589 Ron Hanlon 361-5882 Offering RENTAL MANAGEMENT ~ Call Today! www.SelectMQT.com The only company in the U.P. offering the 3D Experience 228-2772