LIFE
B4 • SUBURBAN LIFE • JULY 4, 2012
Consider lawyer when building house New home sales rose in May at the fastest pace in two years. Record low interest rates are driving more people into the housing market and Howard prompting Ain builders to HEY HOWARD! start building again. But unless you’re careful, building a new house can be more costly than you ever imagined. Russ Loges learned
that when looking for a house you need to get more than just a real estate agent. His experience in Liberty Township is one from which we can all learn. “We had hoped to move in within four months of the house building starting – so we had hoped to move in about a year ago,” Loges said. After signing the contract with a builder, Loges learned the first problem was ground could not be broken without a significant amount of engineering work due to the configuration of the lot. Next,
Loges says he learned there were financial problems. “We were trying to save money and paint the house ourselves when I noticed a lot of subcontractors coming and going looking for payment … They came into the house looking for the builder,” Loges says. Eventually Loges was able to get money from the mortgage company to pay some of the contractors – and he had to pay others out of his own pocket. He now estimates the house has gone over budget by about $45,000.
“This is my first housing-building experience. Basically, everything that could go wrong has gone wrong,” Loges said. Loges says there was so little money left on the construction loan he had to spend his own money for, among other things, kitchen cabinets, appliances and plumbing fixtures. At one point he found a lien had been placed on the house by a lumber company so he ended up paying that out of his own pocket again. Loges says he’s learned a valuable lesson. “I didn’t put the proper
legal protection in place … I would go beyond a real estate agent and go to a lawyer if I ever did another real estate transaction like this.” I contacted the builder who blames a lot of cost overruns on change-orders from Loges. He also says kitchen appliances were more expensive than budgeted. After I talked with him, the builder agreed to sign papers for the bank to release the remainder of the construction loan money to Loges so workers could be paid. A new Ohio law gives
the state attorney general more authority to investigate builder complaints, but the best thing to do when buying a house is get your own lawyer at the same time you get a real estate agent. There’s a lot to buying an existing house, let alone building one, and you need to have the expertise of a lawyer to guide and protect you. Howard Ain answers consumer complaints weekdays on WKRC-TV Local 12. Write to him at 12 WKRC-TV, 1906 Highland Ave., Cincinnati 45219.
Free World Choir Games concert at JCC AMERICAN BAPTIST
EPISCOPAL
UNITED METHODIST
ST. THOMAS EPISCOPAL CHURCH & ST. THOMAS NURSERY SCHOOL 100 Miami Ave, Terrace Park,OH 831-2052
www.stthomasepiscopal.org
Sunday 8am Holy Eucharist, Rite I 9:15am Christian Formation & Discovery Hour for all ages* 10:30am Choral Eucharist, Rite II*
*Child care for children up to 4 in a staffed nursery from 9-noon
MT WASHINGTON BAPTIST CHURCH
2010 Wolfangel Rd., Anderson Twp. 513-231-4301 Sunday Worship: 9:00 & 10:30 AM with Childrens Church & Nursery PASTOR MARIE SMITH
www.cloughchurch.org
EVANGELICAL COVENANT
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2021 Sutton Ave 231-4445
Handicapped Accessible www.mwbcares.net
BAPTIST
Hyde Park Baptist Church Michigan & Erie Ave
513-321-5856 Bill Rillo, Pastor Sunday Worship Services: 11:00am & 6:00pm Sunday School: 9:45am Wednesday Bible Study: 7:00pm www.hydeparkbaptistchurch.org
3850 E. Galbraith, Deer Park Next to Dillonvale Shopping Ctr www.TrinityCincinnati.org 791-7631 Worship Service - 10:00AM Sunday School - 10:15AM Pastor Randy Wade Murphy
INTERDENOMINATIONAL
ROMAN CATHOLIC Church (513) 561-5954 • (513) 561-8020 School Miami Ave & Shawnee Run Rd. www.stgertrude.org Mass Schedule Daily: 7:00, 8:00 & 11:30AM Saturday: 4:30PM Sunday: 8:00, 9:30 & 11:00AM 12:30 & 6:00PM
INDIAN HILL Episcopal Presbyterian Church 6000 Drake Rd, Cincinnati, Ohio 45243 Phone 513-561-6805 Fax 513-561-0894
CHRISTIAN SCIENCE
www.IndianHillChurch.org
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Sunday Service and Sunday School 10:30am Wednesday Testimonial Meeting 7:30pm Reading Room 3035 Erie Ave
CHURCH OF GOD CHURCH OF GOD OF PROPHECY
Sunday School 10:00 am Sunday Worship 11:00 am Wed Night Bible Study 7:00 pm Pastor Ed Wilson 8105 Beech Avenue - Deer Park (Just off Galbraith across from Amity School) 513-793-7422
Community HU Song 10 am
ECK Worship Service 11:00 am - Noon Second Sunday of Each Month Anderson Center Station 7832 Five Mile Road Cincinnati, OH 45230 1-800-LOVE GOD www.Eckankar.org Local (513) 674-7001 www.eck-ohio.org
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Building Homes Relationships & Families
Chabad Jewish Center
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UNITED METHODIST
Contemporary Worship
Beechmont Ave.
4 SUNDAY SERVICES
2 Traditional Worship Services
NON-DENOMINATIONAL Connections Christian Church 7421 East Galbraith Cincinnati, OH 45243
Phone: 513-791-8348 • Fax: 513-791-5648
Jeff Hill • Minister
www.connectionscc.org Worship Service 10:30am Sunday School 9:15 am
Sunday 9:30 &11:00 a.m. Loveland High School, off of Rich Rd. 683-1556 www.golovelive.com
PRESBYTERIAN
8:15 & 11:00
2 Contemporary Worship Services
9:30 & 11:00 am in our Contemporary Worship Center Saturday Service 5:30 pm Sunday School and Childcare available at 9:30 & 11:00 Services
Plenty of Parking behind Church
7515 Forest Road Cincinnati, OH 45255 513-231-4172 • www.andersonhillsumc.org
CHURCH OF THE SAVIOUR
8005 Pfeiffer Rd. Montgomery 791-3142 www.cos-umc.org "You’ve Got Mail: Praying About Your Problems" Traditional Worship 8:20am & 11:00am Contemporary Worship 9:40am Sunday School (All ages) 9:40 & 11am Nursery Care Provided
Dr. Cathy Johns, Senior Pastor Rev. Doug Johns, Senior Pastor
mixed choir consisting of students at the State School of Higher Professional Education in Plock, Poland. This Polish choir has traveled extensively across the globe, and is ranked twelfth in the world in the jazz category. Their repertoire includes music from Gershwin to Simon and Garfunkel. The other choir scheduled to perform at the J is Prime Note Ensemble. This men’s group is the first Filipino a cappella choir from Saudi Arabia, currently based in Southern California. Comprised entirely of Filipino expatriates, this choir was founded in 2001. They have toured internationally, and performed in two previous World Choir Games where they won bronze and silver medals in the male chamber choir category. The free Friendship Concert is a program of the Wolf Center for Arts & Ideas at the JCC, which provides innovative worldclass events for the entire community, and is supported by Nancy and David Wolf. Courtney Cummings, JCC cultural arts manager,
said “We are thrilled to present this Friendship Concert as part of our annual Wolf Center event series. Our goal is to bring a broad range of cultural arts to the community that enrich people’s lives, and encourage new ideas and exciting conversations.” The next major event presented by the Wolf Center for Arts & Ideas will be in September when the JCC hosts the music and political satire of the nationally acclaimed Capitol Steps, the Washington-based troupe of Congressional staffers turned songwriters. Everyone interested in attending the free Friendship Concert at the J on Monday evening, July 9, should RSVP online (JointheJ.org) or call the JCC at (513) 761-7500 by Friday, July 6. For more information, contact Courtney Cummings at the JCC, 513-7227226 or ccummings@ mayersonjcc.org. The Mayerson JCC is at 8485 Ridge Road, next to Ronald Reagan Highway.
RELIGION
Sunday Worship 8am & 10:30am
ECKANKAR Experience the Light and Sound of God You are invited to the
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Sundays 9:15am & 10:45am
ST. GERTRUDE PARISH
First Church of Christ, Scientist 3035 Erie Ave 871-0245
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Sunday Services
Sunday School -All Ages ........9:00am Worship Gathering ...........10:00am Wednesday Night....6:15pm dinner & 7:00pm...Children/Youth/Adult Classes Nursery Provided
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The Mayerson JCC has been selected as a prime venue to host one of 58 friendship concerts, as part of the World Choir Games schedule. Israel’s Ankor Choir will perform at the J, along with two other award-winning choirs, at 7 p.m. Monday, July 9. This concert is free, and is presented by the Wolf Center for Arts & Ideas at the JCC, in partnership with the Jewish Federation of Cincinnati. Seats are almost filled. Call the JCC to be placed on the waiting list (513) 761-7500. The Ankor Choir is an all-girls youth choir that serves as the house choir for Yad Vashem, Israel’s National Holocaust Memorial Museum. Ankor Choir members are female students of the Jerusalem Academy High School of Music and Dance. They have won numerous awards in world competitions, and Zubin Mehta, conductor of the Israeli Philharmonic Orchestra, has said this choir has “… the pure sound of angels.” Two other choirs are scheduled to perform at the July 9 concert at the J. Vox Juventutis is an adult
MADEIRA-SILVERWOOD PRESBYTERIAN CHURCH
8000 Miami Ave. 513-791-4470 www.madeirachurch.org Sunday Worship 9:30 am - Contemporary Service 11:00 am - Traditional Service
Café Chabad is back for the summer. Café Chabad has made a name for itself in Cincinnati for providing Jewish adults with social events that feature delicious food, great entertainment and good company. Held several times throughout the year, these evenings are a wonderful time to meet up with old and new friends in the Jewish community. The summer Café Chabad features a wide menu of New York Kosher deli favorites, including a choice of classic sandwiches such as corned beef, pastrami and smoked turkey and of course, authentic sour pickles. A vegetarian option is available with advanced request. Always on the up and up with quality entertainment, Café Chabad presents a special hitech interactive comedy game show using instant audience feedback via text messaging and smart phones. The Café Chabad will take place on Sunday, July 15, 6:30 p.m. at Chabad Jewish Center. The fee for the evening, is $15 paid by July 10, $19 after July 10, $118 sponsor. For adults only. Reservations and more information at www.ChabadBA.com The center is at 3977 Hunt Road, Blue Ash; 793-5200; www.chabadba.com.
Church of the Saviour United Methodist
Summer children’s camps are 9 a.m. to noon, Tuesdays, Wednesdays and Thursdays. Register online at www.cos-umc.org. Evening Vacation Bible School at www.cos-umc.org. Operation Overboard VBS is 6 p.m. to 8:30 p.m. Aug. 6-10. The annual craft show is recruiting vendors to buy space at the show, which will be 10 a.m. to 3 p.m. Nov. 10. Register at www.cos-u.c.org/craftshow. htm. The church is at 8005 Pfeiffer Road, Cincinnati, OH 45242; 791-3142;www.cos-umc.org.
Community Lighthouse Church of God
Vacation Bible School is 5:30 p.m. to 8:30 p.m., July 9-13, for ages 1 to 12. The theme is Deep Sea Creatures. There will be Bible study, games, crafts, stories and refreshments. The church welcomes guests to itd services. Sunday services are 10 a.m. and 6 p.m.; Wednesday service is 7 p.m. The church is at 4305 Sycamore Road, Sycamore Township; 984-5044.
St. Paul Community United Methodist Church
St. Paul Church services are 8:30 a.m. and 11 a.m. for traditional worship and 9:30 a.m. for contemporary worship with Praise Band. Sunday School is
9:30 a.m. for all ages and 11 a.m. is children’s mission hour. Nursery care is provided for all services. Small group prayer and share meets at 7:30 a.m. every Wednesday morning in the chapel to discuss the upcoming Sunday morning scripture. The church is at 8221 Miami Road, Madeira; 8918181;www.stpaulcommunityumc .org.
Sycamore Christian Church
Sunday worship and junior worship services at 10:30 a.m. Sunday Bible study for all ages at 9 a.m. Adult and Youth Bible studies each Wednesday at 7 p.m. Women’s Study Group at 6:30 p.m. every second Wednesday of the month. Includes light refreshments and special ladies study. The church is at 6555 Cooper Road, Sycamore Township; 891-7891.
Trinity Community Church
The church has a free community dinner on the last Tuesday of each month from 6 p.m. to 7 p.m. The church is at 3850 E. Galbraith Road, Deer Park; 7917631; www.trinitycincinnati.org.