The Incredible, Deductible Home

Transcription

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INSIDE
Retire Smart
Ask The Builder
Wolfgang Puck’s Kitchen
Market Report
The Incredible, Deductible Home
By John “Z” Zeydel
A
Lynn Thomas, E-Pro, SRES
Lead Agent, Listing Specialist
Perry Thomas
Operations and Marketing Manager
Janis Renn
Buyer Specialist
Anne Wegert
Buyer Specialist
Vicki Yates
Listing Coordinator
Laura Webb
Client Service Coordinator
2106 Bardstown Road
Louisville, KY 40205
Phone: 502-371-1173
Fax: 502-253-0464
www.LynnThomasHomes.com
home houses a wealth of
deductions that can open the door
to significant savings at tax time.
But which costs are actually deductible?
Of course, consulting your tax advisor is
the key to ensuring that your write-offs
are right-on, but here is an overview of the
typical deductions that might maximize the
returns on your investment.
your lender, these costs are often shown
on your mortgage interest statement. The
closing statement on your new loan may
also include real estate taxes, which could
be deductible as well.
Home Improvements.
It is important to keep receipts for your
home improvement expenditures. Although
the interest paid on a home equity loan or
line of credit is often tax deductible.
The bottom line.
Owning your own home yields a host of
advantages—everything from a sense of
pride and freedom, to long-term investment
opportunity. And at tax time every year, it
can really bring home the savings.
Points.
Also known as loan discount or mortgage
origination fees, points are often paid to
the lender upon purchasing a home. This
cost—even when paid on your behalf
by the seller—may be tax deductible as
a prepayment of interest if certain basic
requirements are met. Normally, points
can be deducted in the year that they are
paid; however, in some situations, they are
deducted over the life of the loan.
By having your tax advisor review your
closing statement, you potentially can
capitalize on tax benefits available from
paying points on your new mortgage.
Each Office Independently Owned and Operated
VOLUME 1 • ISSUE 2 • FEBRUARY 2007
Mortgage Interest Payments.
A major tax advantage for homeowners,
mortgage interest is usually deductible on
a primary residence, as well as on a second
home. Each January, over the life of your
loan, your lender should provide you with
a Form 1098, which outlines the amount of
interest you paid for the year.
If you pay off your loan early and are
charged a fee for doing so—often known
as “prepayment penalty”—this cost may
also be tax deductible as mortgage interest.
In addition, even late payment charges
may be deducted as mortgage interest in
some cases.
Real Estate Taxes.
These annual taxes, or “property taxes,”
based on the assessed value of your property
may be a considerable deduction each year.
If you use an impound account through
By having your tax advisor review your
closing statement, you potentially can
capitalize on tax benefits
these costs cannot be deducted while you
own your home, they could help lower your
taxes when you sell it.
Home Equity.
Leveraging the equity in your home to set
up a home equity loan or line of credit
could mean tax benefits that would not be
available through other credit sources such
as credit cards or personal loans, because
John “Z” Zeydel is a Home Loan Consultant
for Countrywide Home Loans, Inc., a national
leader in residential finance. The office is
located at 117 S. English Station Road,
Louisville, KY 40245 (502) 777-7892
RETIRE SMART
Lynn Thomas, E-Pro, SRES
Publisher
Perry Thomas
Publisher
Lisa Buth
Writer
Perry Thomas
Advertising Sales
Cargivers: Perception
And Reality
Ron Jasin @ Madpixel
Art Director
To advertise in future issues of
At Home In Louisville contact
Perry Thomas at 502-371-1173
or
[email protected]
MEET THE
By Humberto
and Georgina Cruz
Tribune Media Services
TEAM
The Lynn Thomas Homes team is here
when you need us! Buying or selling a
home is a team effort. Let our personalized
service guide you through the entire selling
or purchasing process. From pricing
strategy to promotional materials to
transaction closing, our commitment is to
find you the right buyer or the right home
and help close the deal.
Lynn Thomas,
E-Pro, SRES
Lead Agent,
Listing Specialist
Janis Renn
Buyer Specialist
Laura Webb
Client Service
Coordinator
Perry Thomas
Operations and
Marketing Manager
Anne Wegert
Buyer Specialist
Vicki Yates
Listing Coordinator
Call The
Lynn Thomas Homes Team
Today!
502-371-1173
Y
ou call a home-care agency and
hire a caregiver to tend to an aging
relative at home. You expect the
caregiver to go grocery shopping, prepare
meals and clean the dishes, and even
vacuum.
But the caregiver won’t do any of it, or
even take your relative outside for fresh
air, and instead sits inside all day watching
television and making personal phone calls.
This disconnect between expectation and
reality — sometimes laced with racial,
class, cultural and language undertones —
is just one example of a growing caregiving
crisis in our country.
“A communications problem, often
stemming from different expectations
. . . exists between paid caregivers and
care recipients and their families,” says a
sobering 82-page report titled “Caregiving
in America.”
On one side, “families often assume that
paid caregivers are fairly well paid, and are
unaware that a large share of their payments
goes to the agency,” said the report by the
Caregiving Project for Older Americans.
“And there is often the expectation
that the caregiver will make the patient
‘better,’”which is not realistic.
On the other side, “although many paid
caregivers are highly motivated, others may
be poorly motivated or even apathetic about
their patients because of low wages, little
chance for career development and other
negative aspects of their job,” the report said.
The low wages and few fringe benefits,
low job satisfaction, emotional and
physical burdens and the lack of a real
possibility for career development “all
contribute to the critical shortage of
paid caregivers in the United States,”
the report said. Caregivers spend much
of their time standing or walking and
must carry out unpleasant duties such
as emptying bedpans. And although
many care recipients are cooperative and
pleasant, others “may be irritable, abusive,
depressed, angry or otherwise difficult.”
In these candid terms, “Caregiving in
America” exposes the growing gap between
available caregivers, paid or unpaid, and the
growing need for them.
Today more than 12 million people in the
United States, about 80 percent of them 50
or older, need some form of long-term care,
anything from help with transportation,
grocery shopping and housework to
Among adults who do receive care at home,
80 percent are cared for by family, friends
and unpaid volunteers, usually women.
Altogether, about 21 percent of American
adults provide some level of unpaid
caregiving, a stressful responsibility that
often leads to loss of personal time, missed
career opportunities and even depression,
anxiety and insomnia.
“Older care recipients are deemed
disposable and without value, and women
continue to be the primary caregivers of
family members,’’ the report said. “Like
other unpaid work, their contribution to
society is not included in national income
accounts.”
In a separate study, Peter S. Arno, a health
economist from Montefiore Medical Center
in New York City, estimated the value of the
If 20 percent of our older adult
population is going without the
care they need, imagine what that
percent will be as the number of
older adults increases
assistance with activities of daily living
such as eating, dressing and getting in and
out of bed.
But many who need this help go without
it. An estimated 20 percent of adults
needing assistance can’t find either paid or
volunteer help, said Larry Wright, director
of the Schmieding Center for Senior Health
and Education in Springdale, Ark.
“If 20 percent of our older adult population
is going without the care they need,
imagine what that percent will be as
the number of older adults increases,”
said Wright, who is co-director of the
Caregiving Project, a joint effort by the
Schmieding Center and the International
Longevity Center-USA, a research policy
organization in New York City.
free services family caregivers provide to
their loved at $306 billion a year nationally
in 2004. That’s almost twice as much as the
combined amount of $158 billion spent on
paid home care and nursing home care in
the same year.
The Caregiving Project report, which
calls for the development of standards for
caregiving training and other reforms, is
available at the Web site www.ilcusa.org/
prj/caregiving.htm.
Humberto and Georgina Cruz are a
husband-and-wife writing team who work
together in this column. Send questions
and comments to [email protected],
[email protected], or c/o Tribune Media
Services, 2225 Kenmore Ave., Suite 114,
Buffalo, NY 14207. Personal replies are not
possible.
WEB SIGHTINGS
Business & Technology Web Sites
By Marco Buscaglia
ROAD TRIP
http://www.randmcnally.com/rmc/
road/rtgHome.jsp
There’s nothing quite like hitting the road
with no particular place to go. Map out a
great road trip this new year with the help
of Rand McNally. You’ll get detailed driving directions, suggestions on where to stop
and more.
BIOGRAPHY SUMMARIES
http://www.biography.com
Up your intellectual firepower in 2007 with
some help from biography.com. You can
learn more about historical figures, famous
actors and more with this companion Web
site to the popular television series.
WORD DEFINITIONS
http://www.merriamwebster.com
While you’re at it, you might as well increase your word power this year with the
help of the popular dictionary site. In addition to looking up words, you can sign up
for an e-mailed word of the day and more.
FIND QUOTES
http://bartleby.com
To end your little trilogy of self-knowledge,
visit bartleby.com for some famous and
obscure quotes you can use to punch up a
business proposal, break-up letter or online
ramblings.
CURRENCY CONVERTOR
http://www.xe.com/ucc/
The XE.com Universal Currency Converter
is a comprehensive online currency tool,
allowing users to “perform interactive foreign exchange rate calculations, using live,
up-to-the-minute currency rates,” according
to the Web site.
REVERSE PHONE NUMBERS
http://whitepages.com/9901/reverse_phone
Whose phone number is that? You know the
one I’m talking about — the one written on
a Post-it note in your purse or scribbled in a
scrap of paper stuck to the fridge. Find out
here by simply typing in the phone number
in question.
the payments on that 100-year-old Victorian house you keep passing on the way
home, as long as you do without food and
transportation for a decade or so.
CROSSWORD HELP
http://www.oneacross.com
Get a few crossword puzzle books from the
grandkids as holiday gifts? If you’re having
trouble filling in the blanks, check out the
crossword help available at oneacross.com.
Know of a Web site dealing with technology, real estate, finance or employment that
might be useful to other readers? Send the
Web address and a brief description of the
site to: [email protected]
To View All Homes
on The MLS Visit:
ONLINE CAMERAS
http://earthcam.com
Sick of looking at crowded parking lots
and post-holiday clutter? Check out the
numerous fascinating images available at
earthcam.com. The site has the capacity to
make you feel small once again.
NEWSPAPER SITES
http://newslink.org/
You love reading about the news across
the world, but probably realize you’re not
getting enough information from the news
sites out there on your former hometown,
college city or any other community that
still interests you. Check out http://newslink.org/ to address those concerns.
MORTGAGE CALCULATOR
http://www.mortgage-calc.com
Find out how much house you can afford
with the mortgage calculators available at
mortgage-calc.com. Maybe you can swing
LYNN THOMAS HOMES ESSAY CONTEST!
FavoriteRoom
MY
AHIL Reader wins $25!!
My Favorite Room
By Dylan B.
Do you have a favorite room, a place you love to go to
unwind, an area where you can kick up your heels in
your jammies, maybe a trophy room or one where you
keep your train set or thimble collection? We’re
inviting you to tell us about that special place.
Is it your billiards room?
Maybe the bedroom is
your personal oasis?
How about your
kitchen?
Write us a brief essay telling us about your favorite room and why it’s so
special to you. Winning entries will be published in an upcoming issue
of At Home In Louisville and win $25 cash!
Email entries with an attached photo of you in your room to:
[email protected]
For ages 1-100
My favorite room in my house
is the living room. It’s the best
because it has a big-screen T.V.
Not like the great room that has
a T.V. the size of my head. It also
has surround sound that makes
everything louder. My other
favorite thing about the room is
the furniture. The couches are
fluffy, bouncy and comfortable.
I also like the DVD player. And
we have a lot of great DVDs.
I like that it’s really close to
the kitchen so that when I’m
watching T.V. or a movie, I can
get up and get something to eat
and it won’t take me forever.
When I have friends spend the
night, we sleep on the living
room floor and on the couches
and watch movies until we fall
asleep. It’s also a great place for
family get-togethers. The only
downside is that it doesn’t have
any videogames hooked up to the
T.V. The videogames are hooked
up to the tiny T.V. downstairs.
And, if it had a computer it would
even be better. Even without the
computer and videogames, it’s
my favorite room.
Lynn Thomas Homes
welcomes a new
team member!
Anne Wegert brings
with her several years of
real estate experience.
She joins us as a Buyer
Specialist, serving our
clients at the highest level!
Welcome Anne!
ASK THE BUILDER
Years Of Know-how Go Into
Installing A Hardwood Floor
By Tim Carter
COLUMN 655
DEAR TIM: I am thinking about installing
hardwood flooring. The hardwood flooring
I want to use is the traditional tongue-andgroove, 3/4-inch thick hardwood lumber. I
own many different power saws and other
carpentry tools. Do you think I can achieve
nearly professional results as I try to install
the hardwood flooring? What tips can you
share to help me get professional results at
do-it-yourself prices? —Bob K., St. John’s,
Newfoundland, Can.
DEAR BOB: Since I don’t know the level
of your carpentry skills, I am going to say
maybe. The traditional hardwood floor
installation process is not that difficult,
but the many different tricks and tips are
what separate professional installers from
those who aspire to have their years of
accumulated knowledge.
Your collection of saws and other carpentry
tools will come in handy, but realize that
professional hardwood flooring installers
come to the job with an arsenal of assorted
hand and power tools. They have special
nailing machines, some pneumatically
powered, that drive special barbed nails at
the precise angle and depth through the
tongue of each strip of hardwood flooring.
You can hand-nail hardwood flooring,
but I am sure you will make a mistake
or two, and your results will be less than
professional. The special nail guns can be
rented.
You may also need a router equipped with
a special bit. It is not uncommon for a
professional to rip a piece of hardwood
flooring to make it fit against an existing
piece. To make the hardwood flooring
pieces interlock, a new groove has to be
shingles. If the low spots are very subtle,
created on the cut edge of hardwood.
multiple layers of asphalt-saturated felt
The first thing you need to do before you
paper will work well. The entire subfloor
start the job is get the hardwood flooring
should have a minimum of one layer of
into your home and let it acclimate to the
asphalt-saturated felt paper over it to
indoor humidity and temperature. Although protect the underside of the new hardwood
this acclimation period can be achieved in
flooring from water vapor that may try to
three or four days, I recommend that you
work its way through the subfloor. The felt
bring the hardwood flooring into your home paper also helps keep the new hardwood
for a minimum of two weeks for the best
floor quiet.
results. If possible, put the wood into the
Whenever possible, the new hardwood
room where it will be installed. Be sure that flooring strips should be installed
room is at the temperature it will be at once perpendicular to the run of the floor joists.
the room is finished.
For a creative look, you can run the new
The longer you let the wood acclimate,
hardwood flooring diagonally across the
the tighter the joints will be as it is
floor joists. Running the flooring diagonally
installed and, more importantly, after the
is more work, and will require slightly
hardwood is finished. Hardwood flooring
more material.
is a hygroscopic
material, and
it can change
shape and size
with changes in
temperature and
humidity.
The subfloor
to which the
hardwood flooring
is attached should
be clean, dustfree and securely
attached to the
floor joists. Now
is the time to
attack any pesky
floor squeaks.
Most floor
squeaks can be
traced to loose
subflooring that
moves up and
down as it is
walked upon. The
movement of the
wood along the
nail shafts creates
the squeak.
Screw down the
You can use a straight piece of hardwood flooring to discover low spots in
existing subfloor
the subfloor. Photo By: Tim Carter.
to the floor joists,
especially in areas
of the floor where you will walk. Those
Be sure to install the strips of hardwood
areas covered with furniture may not be as
flooring in a random manner. Don’t try to
important, but I would suggest you screw
get fancy with respect to how the different
down the entire subfloor to the joists.
pieces look. The bundles of hardwood
Use a long metal straightedge to locate
flooring come mixed with all sorts of
humps and low spots in the floor. The low
long, short and medium lengths. The more
spots should be filled in with floor leveling
random the pieces are installed, the better
compound — or, better yet, with asphalt
the finished hardwood floor will look.
HARDWOOD
FLOORING
TIPS & TRICKS
Professionals use a rubber mallet to
pound the new strips of flooring into
place against the flooring already
nailed to the floor. Each strip of new
flooring needs to be tight along
the long edge and the short edge
where it butts against the piece next
to it. You will notice that the tongueand-groove feature of each piece of
hardwood flooring not only is along
the long edges, but also on the
short stubby ends of each strip.
One of the most secret tips is
reversing the direction of the
tongues and grooves. Professional
installers don’t always start laying
a floor on one wall and work to
Professionals use
a rubber mallet to pound
the new strips of flooring
into place against the
flooring already nailed
to the floor.
the far wall. They may start in the
middle of the room for any number
of reasons. When this happens, a
special strip of wood that is the
thickness of the tongue but twice as
wide, is installed into the groove of
the flooring.
This strip of wood allows the
installer to start laying hardwood
flooring going the opposite
direction so the tongues of the
strips are always exposed. The
tongues of each strip of hardwood
flooring must be exposed so you
can nail the hardwood flooring to
the subfloor.
(Do you need more information
about this and related topics? Extra
in-depth content can be found at
AsktheBuilder.com.)
LYNN THOMAS HOMES WOLFGANG PUCK’S KITCHEN
For Chocolate Lovers
Wolfgang Puck’s Flourless
Chocolate Cake.
Photo by Bob Fila, Chicago Tribune.
By Wolfgang Puck
My business partners might not be too
happy to hear me saying this, but if you
really want to impress your sweetheart on
Valentine’s Day next Monday, don’t go out
to dinner.
Instead, consider making the effort to cook
a special meal at home. Make a little effort
to set a beautiful table, complete with flowers and candles (neither of which should be
scented, so they won’t interfere with your
senses of smell or taste). Choose a good
wine that you know your beloved enjoys,
perhaps including Champagne or some
other sparkler.
Your menu doesn’t have to be elaborate,
and it shouldn’t be so heavy that it puts a
damper on romance. Start the meal with
some passionate pink smoked salmon, perhaps. For the main course, cook something
simple but of excellent quality, whether it’s
a steak, lamb chops, a fish fillet, or a simple
stir-fry of shrimp or scallops — whatever
your loved one would enjoy the most. Add
a sauteed vegetable and some rice and
you’ll have a lovely plate.
I think the main Valentine’s Day cooking
effort should go into the dessert, which
undoubtedly should be chocolate. My
Flourless Chocolate Cake, so dense and
rich that it’s almost like a sublime fudge,
is an excellent choice not only because it’s
so easy to make well in advance but also
because it offers such decadent pleasure for
lovers of chocolate.
There’s no big secret to making the cake.
The most crucial step is to start with the
best tasting, finest chocolate you can find,
made from the highest quality cacao beans
and with a higher concentration of chocolate solids to cocoa butter. I’m especially
partial to such imported brands as Valrhona
from France or Callebaut from Belgium, as
well as to the outstanding American chocolate made by Scharffen Berger in Berkeley,
Calif. You’re likely to find at least one of
those brands in gourmet shops and some
well-stocked supermarkets.
After you’ve got your chocolate, take
some care in melting it. First, use a sharp
knife to cut it up into pieces of about 1/4
inch. A double boiler, whether you use one
dedicated to that task or improvise one
from a saucepan and bowl as I describe in
the recipe, provides the very gentle indirect
heat that will ensure your chocolate melts
perfectly. (Direct heat, by contrast, can
scorch chocolate and cause it to seize up
into coarse, grainy, unusable lumps.)
Plan on making the cake several hours before dinner, or even a full day before. That
should leave you plenty of time to look after all the other important details of what’s
sure to be a memorably romantic evening.
FLOURLESS
CHOCOLATE CAKE
Makes one 10-inch cake
8 ounces good-quality bittersweet chocolate, cut into small pieces
4 ounces unsalted butter, cut into small
pieces
5 eggs, separated
Pinch of salt
2/3 cup sugar
Powdered sugar, for garnish
Unsweetened whipped cream, for garnish
Fresh raspberries, for garnish
Preheat the oven to 325 degrees. Butter and
flour a 10-inch round cake pan.
Bring about 1 inch of water to boil in
the bottom half of a double boiler or in a
medium saucepan. Reduce the heat to a
bare simmer. Put the chocolate and butter
in the top half of the double boiler or in
a heatproof mixing bowl large enough to
rest on the rim of the saucepan without the
bowl’s bottom touching the water. Place the
pan or bowl over the simmering water and
melt the chocolate and butter, stirring them
until blended.
Meanwhile, in another mixing bowl, whisk
together the egg yolks, pinch of salt and all
but 3 tablespoons of the sugar. Stirring continuously, pour the melted chocolate-butter
mixture into the egg yolks until thoroughly
combined.
In a third, clean bowl, put the egg whites.
With an electric mixer on medium speed,
beat the egg whites until they form soft
peaks that droop slightly when the beaters are lifted out. Still beating at medium
speed, gradually sprinkle in the remaining
sugar, continuing to beat the egg whites
until they form stiff but not yet dry peaks.
With a rubber spatula, fold a generous
dollop of the egg whites into the chocolate
mixture, just until a few streaks of white
remain. Add the chocolate mixture to the
remaining egg whites and gently fold to-
gether until thoroughly combined. Pour the
mixture into the prepared cake pan.
Bake in the preheated oven for 1 hour and
15 minutes. Remove the pan from the oven
and immediately invert a cardboard cake
round and a wire cake rack on top of it;
then, protecting both hands with pot holders or oven mitts and clasping the rack and
pan together, invert them to unmold the
cake onto the cardboard and rack. Leave
the cake to cool to room temperature.
Don’t worry that its center sinks and cracks
slightly. Refrigerate until serving time.
Before serving, dust the cake with powdered sugar by spooning some sugar into a
fine-meshed sieve held over the cake, then
gently tapping the sieve. Cut the cake into
wedges and serve with whipped cream and
raspberries.
Chef Wolfgang Puck’s TV series, “Wolfgang
Puck’s Cooking Class,” airs Sundays on the
Food Network. Also, his latest cookbook,
“Wolfgang Puck Makes It Easy,” is now
available in bookstores. Write Wolfgang
Puck in care of Tribune Media Services
Inc., 2225 Kenmore Ave., Suite 114, Buffalo, N.Y. 14207.
AT H O M E I N L O U I S V I L L E
Market Report
From the last 30 days
BRIAR HILL
Address
FOREST SPRINGS
Status
Bedrooms
Baths
SqFt
List or Sold Price
6100 BREEZE HILL COURT
A
6
6
4359
995000
6205 BREEZE HILL RD
A
5
5
2650
435000
6710 BRIAR HILL RD
A
4
4
3180
6801 BRIAR HILL RD
A
4
3
2600
7512 CAMBRIDGE DR
A
6
6
7102 JONES TRACE
A
4
4
7403 JONES TRACE
A
5
7407 JONES TRACE
A
4
7501 JONES TRACE
A
7202 JONES TRACE
A
7503 JONES TRACE
7205 ORCHARD GRASS BLVD
Status
Bedrooms
Baths
SqFt
List or Sold Price
13608 BROKEN BRANCH WAY
A
4
3
2689
309900
13708 BROKEN BRANCH WAY
A
5
4
3300
324900
389000
4817 CEDAR FOREST PL
A
3
2
2039
283950
349900
13620 FOREST BEND CIR
A
4
3
2376
274900
6589
774900
A
3
2
1824
279950
3600
449000
A
3
3
1902
264500
4
3300
457900
4305 JUNIPER FOREST PLC
A
4
3
2051
265000
3
2880
487000
13509 ROCK BAY CT
A
3
3
2052
265000
5
4
3216
454500
3807 ROCK BAY DR
A
4
3
3204
315000
4
3
2739
479000
14000 ROLLING SPRINGS CT
A
4
3
3100
298700
A
4
4
3460
549000
3416 SAMPLE WAY
A
4
3
2135
245000
A
4
4
4487
450000
13401 SAPLING SPRING PL
A
5
4
2600
284000
7211 ORCHARD GRASS BLVD
A
5
5
2743
474900
14118 SPRING MILL RD
A
3
3
2216
249900
6505 PERRIN CIR
A
5
5
3752
494500
A
4
3
3417
337000
6503 PERRIN CIR
A
6
5
4987
592500
A
4
3
2530
315900
6504 PERRIN CT
A
4
5
4974
550000
A
3
3
2012
243900
6241 PERRIN DR
A
5
5
4568
489900
4411 SYCAMORE FOREST PL
A
5
4
3579
324900
6239 PERRIN DR
A
5
4
4100
409900
13017 WILLOW FOREST DR
A
4
3
2300
309900
6237 PERRIN DR
A
3
4
3900
399900
A
4
4
3000
299900
6502 PERRIN PL
A
4
4
4300
524900
A
4
3
2004
268950
8016 SHADOW CREEK RD
A
4
3
3000
424900
A
4
3
2100
279500
8012 SHADOW CREEK RD
A
4
4
3293
415000
A
4
3
2100
278500
7415 SUNSET LN
A
4
4
2852
379900
3704 WOODED SPRINGS CT
A
4
4
3200
314900
6203 BREEZE HILL RD
P
4
3
3300
379900
4806 CEDAR FOREST PL
P
4
3
2380
339950
7408 JONES TRACE
P
5
5
5000
599900
P
4
3
2090
279900
7407 SUNSET LN
P
4
3
3342
350000
4015 MEADOWCREST CT
P
4
3
2400
259900
7404 SUNSET LN
P
4
3
2633
357500
13301 OAK FOREST CT
P
4
4
2627
314900
4708 REDBUD FOREST PL
P
4
3
2356
296900
3518 SAMPLE WAY
P
3
2
3660
269900
3420 SAMPLE WAY
P
4
3
2539
264900
GLEN OAKS
Address
Address
Status
Bedrooms
Baths
SqFt
List or Sold Price
10539 CHAMPIONSHIP CT
A
4
3
3287
450000
P
4
3
2350
294000
A
3
2
2696
415000
P
4
3
2100
279000
A
5
7
5779
629000
S
3
3
1650
245000
A
4
5
3706
525000
4000 ROCK BAY DR
S
4
3
2044
260000
5501 KILLINUR DR
A
4
4
2650
339900
S
4
3
2670
316000
5820 LAUREL LN
A
3
2
2477
400000
5814 LAUREL LN
A
4
3
3290
450000
5721 MOSER FARM RD
A
4
4
3741
369000
6106 MOUNTAIN ASH CT
A
4
4
3640
369000
5804 TEE VIEW CT
A
4
5
5900
650000
6004 WATERFALL WAY
A
5
4
5050
699900
10429 WORTHINGTON LN
A
4
4
5276
449000
A
6
4
5140
449500
A
4
4
4545
369000
A
4
3
2762
362000
A
4
4
3500
539900
5904 WORTHINGTON WAY
A
4
4
2933
529900
P
5
5
5000
629900
MOSER FARMSA
10209 KILLINUR CT
P
5
4
3315
315000
Address
Status
Bedrooms
Baths
SqFt
List or Sold Price
5818 LAUREL LN
P
4
3
2994
425000
6201 JOHN MOSER WAY
A
4
4
2750
349900
10516 MOUNTAIN ASH LN
P
5
4
4200
479000
6003 MT PLEASANT RD
A
5
4
4460
619900
6016 WATERFALL WAY
P
6
5
3023
609000
6106 JOHN MOSER WAY
P
4
3
2700
295000
M A R K E T R E P O R T C O N T.
POLO FIELDS
Address
Status
Bedrooms
Baths
SqFt
List or Sold Price
1222 AVA PEARLS WAY
A
4
3
2340
379900
15 AVA PEARLS WAY
A
4
3
1979
288950
1204 AVA PEARLS WAY
A
4
3
2441
299950
1502 BELLINGHAM CT
A
5
4
3249
420000
1003 CLASSIC WAY
A
3
3
2300
399900
1120 CROSSING COVE CT
A
4
3
3086
349900
1106 CROSSING COVE CT
A
4
3
3086
399000
1531 CROSSTIMBERS DR
A
5
5
3906
424900
A
4
4
2600
359900
A
5
5
4587
499900
A
5
4
3630
425000
A
5
4
5834
447500
A
6
4
4300
465000
A
4
4
3300
424900
17429 CURRY BRANCH RD
A
3
3
1528
183900
A
3
3
1854
189999
A
3
2
1522
175000
A
4
4
4550
449000
A
3
3
2614
236500
A
3
3
1854
199900
A
3
3
1951
199000
A
4
3
1876
192500
16902 EMPIRE CT
A
4
3
2437
318000
1016 GRAZING MEADOWS LN
A
2
2
1828
229900
1044 GRAZING MEADOWS LN
A
2
2
2150
284900
1128 GRAZING MEADOWS ROAD A
2
2
2100
249900
11718 HANCOCK TRACE CT
A
4
4
3686
298000
2624 HEDGEPATH TR
A
4
3
2379
275250
2603 HEDGEPATH TR
A
4
4
4050
274500
16907 HIDDEN POND CT
A
4
4
3465
339000
17100 HILLROCK PLC
A
4
3
2750
399900
1502 HURLINGHAM CT
A
4
4
3500
325000
17203 MALLET HILL DR
A
4
4
4100
349900
A
5
3
2362
459900
A
3
3
2993
283000
1601 POLO CLUB CT
A
5
5
6755
750000
2205 POLO CREEK LN
A
4
3
2500
374900
17209 POLO FIELDS LN
A
4
4
3478
389000
A
5
4
3598
330000
A
4
4
2698
328000
A
5
4
3657
379000
17203 POLO HILLS PL
A
4
3
3000
369900
2203 POLO MOUNT
A
7
8
7092
1000000
17409 POLO RUN LN
A
4
3
2442
304950
42 POLO RUN LN
A
4
3
2259
345550
17424 POLO RUN LN
A
4
3
3000
379900
17423 POLO RUN LN
A
3
3
1726
299950
17418 POLO RUN LN
A
4
3
2650
349900
17327 SEVEN GREEN LN
A
3
2
1977
290000
A
3
3
2130
270000
A
3
2
2342
315000
17404 STREAMSIDE PL
A
4
3
2621
339900
17302 TALL TIMBER PL
A
4
3
2996
398000
16701 TAUNTON VALE RD
A
2
2
1740
188500
P
3
3
3200
309900
11717 HANCOCK TRACE CT
P
4
3
2513
221900
P
4
3
2522
299900
P
3
2
1977
259900
P
3
2
1977
260000
S
6
5
5177
437500
S
5
5
2900
330000
S
4
4
3425
492879
S
3
4
3036
299900
2106 Bardstown Road • Louisville, KY 40205 • 502.371.1173
LYNN THOMAS HOMES My Answer
Q:
One of my coworkers claims
to be a Christian, and he’s very
active in his church and all
that. But he doesn’t seem to be a very happy
person, and in fact, he’s always very negative
and looking on the dark side of things. Do
you suppose he’s really a Christian, or is he
just pretending? — Mrs. S.Q.
A:
Only God knows the heart of
any person who claims to be a
Christian, and it isn’t our place
to judge them or decide whether or not they
actually are a believer. This is what Jesus
meant when He told His disciples, “Do not
judge, or you too will be judged”
(Matthew 7:1).
By Billy Graham
However, any Christian who has a joyless
attitude and is always looking on the dark
side of things is missing much of what it
means to be a Christian. It’s true, of course,
that we live in a very troubled world, and
Christians especially should be burdened
for a world that has lost its way and
abandoned God’s will. As Jesus prayed in
the Garden of Gethsemane shortly before
Have Your
Message
Heard
Advertising Your Business In
At Home In Louisville Gets
Your Message To People
Who Want To Listen
Call or Email
to Advertise Today
502.371.1173
[email protected]
His arrest and death, we read that He was
“in anguish ... and his sweat was like drops
Don’t forsake Christ because of the
imperfections of one of His followers.
However, any Christian who has
a joyless attitude and is always
looking on the dark side of things
is missing much of what it means
to be a Christian.
of blood falling to the ground”
(Luke 22:44).
But Christians also should be filled with
joy and peace — not because everything
around them is perfect, but because they
know Christ is in control. The Bible
says, “But the fruit of the Spirit is love,
joy, peace, patience, kindness, goodness,
faithfulness, gentleness and self-control”
(Galatians 5:22-23).
Instead, face your own need of Him
and open your heart and life to His
transforming power today.
Send your queries to “My Answer,” c/o
Billy Graham, Billy Graham Evangelistic
Association, 1 Billy Graham Parkway,
Charlotte, N.C., 28201; call 1-(877) 2GRAHAM, or visit the Web site for the Billy
Graham Evangelistic Association: www.
billygraham.org.
*
Family
FUN
E
G
PA
Crossword Fun
ACROSS
1 Allows to
5 Lucy’s mate
9 Spiral-horned antelope
14 “New Jack City” co-star
15 Above
16 Cairo in “The Maltese
Falcon”
17 __ mater
18 Type of mackerel
19 Nearby
20 Subways
23 Music system
24 Bribe
25 Exclamations of surprise
28 Worry
31 Increase
33 Kett of comics
37 Dumbo’s wings
39 Dunne or Ryan
40 Hanna-Barbera’s
cartoon horse
43 Ne plus __
44 March Madness org.
45 Without: Fr.
46 Funt and Ginsberg
48 “Jane __”
50 Director Spike
. . . TO CHANGE A LIGHTBULB?
How many computer owners does it
take to change a light bulb?
Only one, but he’ll have to go out and buy
the light bulb adaptor card first, which is
extra.
How many wrestlers does it take to
change a lightbulb ?
Three. One to yank the old bulb out, throw
it on the floor, try and jump onto it from a
great height, and act real surprised when it
rolls out of the way at the last minute; one
to pretend to twist the new one in round
and round so far it almost breaks; and some
guy in a black and white stripey uniform
whose function is never made quite clear
to protest about something or other, to the
complete indifference of the bulb changers.
How many bureaucrats does it take
to screw in a light bulb?
Seven. One to supervise, one to arrange for
the electricity to be shut off, one to make
sure that safety and quality standards are
maintained, one to monitor compliance
with local, state, and federal regulations,
one to manage personnel relations, one to
fill out the paperwork and one to screw the
light bulb into the water faucet.
How many paranoids does it take to
change a lightbulb?
Why? Who wants to know?
And…for our Dog
loving readers!
How many dogs does it take to
change a light bulb?
1. Golden Retriever: The sun is shining,
the day is young, we’ve got our whole lives
ahead of us, and you’re inside worrying
about a stupid burned out bulb?
2. Border Collie: Just one. And then I’ll
replace any wiring that’s not up to code.
3. Dachshund: You know I can’t reach that
stupid lamp!
4. Rottweiler: Make me.
5. Boxer: Who cares? I can still play with
my squeaky toys in the dark.
6. Labrador: Oh, me, me!!!!! Pleeeeeeeeeze
let me change the light bulb! Can I? Can
I? Huh? Huh? Huh? Can I? Pleeeeeeeeeze,
please, please, please!
7. German Shepherd: I’ll change it as soon
as I’ve led these people from the dark,
check to make sure I haven’t missed any,
and make just one more perimeter patrol to
see that no one has tried to take advantage
of the situation.
8. Jack Russell Terrier: I’ll just pop it
in while I’m bouncing off the walls and
furniture.
9. Old English Sheep Dog: Light bulb? I’m
sorry, but I don’t see a light bulb!
10. Cocker Spaniel: Why change it? I can
still pee on the carpet in the dark.
11. Greyhound: It isn’t moving. Who cares?
12. Australian Shepherd: First, I’ll put all
the light bulbs in a little circle...
13. Poodle: I’ll just blow in the Border
Collie’s ear and he’ll do it. By the time he
finishes rewiring the house, my nails will
be dry.
51
53
58
61
64
65
66
67
68
69
70
71
Army rcts.
Hemoglobin deficiency
Sweetened cornmeal mush
Madagascar primate
“__ Lang Syne”
Joyous event
Muse of poetry
Take off
Prayer ending
Go-ahead
Cold feet
Beatles’ meter maid
1
2
3
4
5
6
7
8
9
10
11
12
13
21
DOWN
Munchhausen and Ananias
Acclamation
Home of the Sundevils
One of a flight
Falsified
At all times
Antitoxins
Jeremy of “Damage”
Of few words
Joe Orton play
Parabola
Heston’s org.
“Runaway” singer Shannon
__ Leppard
22
25
26
27
29
30
32
33
34
35
36
38
41
42
47
49
52
54
55
56
57
58
59
60
61
62
63
Mayday letters
Met offering
Chinese cuisine
Gushes
Deserve
Slight amount
Work units
Peer
Veil material
Proof of ownership
Part of the plot?
Move to and fro
Captain of television
Pillager
Bro’s sibling
Denouement
Crosier
Mystery award
Where to catch a Dolphin?
Narrow bay
Capital of Guam, formerly
Humble homes
Christmastime
Nolo contendere, for one
“__ Miserables”
Stat for Randy Johnson
Has permission
Answers in next months edition
Print
answer here:
Last Months Answers
Jumble
Jumble Kids
Answers in next months edition
LYNN THOMAS HOMES 11
MARKETING YOUR HOME IN LOUISVILLE
If you see your home here, so do thousands of potentials
buyers.Selling
Sellingyour
yourhome
homewith
withLynn
LynnThomas
ThomasHomes
Homesmeans
meansexposure
immediate
At Home
potential buyers.
in marketing
At Home Inthe
Louisville,
In Louisville,
our
Web
site
(www.lynnthomashomes.com)
and
other
unique
forms
of
advertising.
This
publication
is
directly
mailed
to
thousands
of
our website (www.LynnThomasHomes.com) and other unique forms of advertising. This publication is directly mailed to thousands of
homes in Louisville.
If you’re
looking If
foryou’re
a newlooking
home, call
Homes
at 502.371.1173
to view
current
inventory
available
in our marketplace.
homes
in Louisville.
for aLynn
newThomas
home, visit
our website
to view our
listings
as well
as the entire
MLS.
For 24/7 Info, Call 502.515.5555. Enter Code Below For More Details.
308 N. 35th St.
7712 Hall Farm Dr.
NEW
2121 W. Burnett St.
NEW
LIST
ING
NEW
LIST
ING
Jefferson Co.
$85,000
Call: (502) 515-5555 Code: 20345
Jefferson Co.
$85,000
Call: (502) 515-5555 Code: 20355
2625 Cedar St
2617 W. Madison St.
LIST
ING
NEW
LIST
ING
NEW
LIST
ING
Jefferson Co.
$87,000
Call: (502) 515-5555 Code: 20365
Jefferson Co.
$85,000
Call: (502) 515-5555 Code: 20395
3321 Old Sligo Rd.
2909 Harrods Crossing Blvd.
3062 Fallen Wood Ln.
Jefferson Co. - Dundee Estates
$199,900
Call: (502) 515-5555 Code: 20375
Oldham Co. - L’Esprit
$1,700,000
Call: (502) 515-5555 Code: 20315
Oldham Co. - Harrods Crossing
$989,000
Call: (502) 515-5555 Code: 20285
Oldham Co. - Reserve at L’Esprit
$389,900
Call: (502) 515-5555 Code: 20295
3703 Sumerlin Dr.
16201 Hermitage Ridge Ct.
142 E. Francis Ave.
5705 Elmer Ave.
PEN
D
Jefferson Co. - Glenmary Estates
$379,900
Call: (502) 515-5555 Code: 20305
1622 Sutherland Dr.
NEW
LIST
ING
ING
Oldham Co. - Darby Pointe
$439,900
Call: (502) 515-5555 Code: 20385
11313 Sullivan Ct.
PEN
D
ING
Jefferson Co. - Hermitage Ridge
$167,500
Walk-Out Lot
Jefferson Co. - Beechmont
$74,900
Call: (502) 515-5555 Code: 20255
For All Your Real
Estate Needs...
Jefferson Co. - Charleswood Forest
$184,900
Under Contract
Jefferson Co. - Scottsdale Subdivision
$110,000
Under Contract
RELOCATING?
Call
Lynn Thomas Homes
for a stress-free move!
Approved by most
major companies

The Incredible, Deductible Home

Transcription

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