Uaho32714revised

March 27, 2014

REAL ESTATE GUIDE

Upper Arlington

Updated Daily ThisWeekNews.com

featured home his brick-front beauty has a wonderful golf course view! Handsomely built with three bedrooms and two full baths. The see-through fireplace separates the family room and living room. There is an eat-in kitchen with recessed lighting and ceramic tile floor. The dining room features bowed wall and gleaming wood floor. The bedrooms are all big with lighted closets. Side-load garage and Florida room are features you will love. The basement is big with one room boasting a finished ceiling. Super Coventry Estates location too! Call today for your private tour.

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aReal Estate Matters

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about the agent imee Calvert of the Calvert Team is the agent to have! With 29 years of experience her drive and professionalism are impressive. She has numerous awards including: 1, 5, 10 and 25 Million Dollar Award Winner, OAR Presidents Club Winner and the REMAX Platinum Club Award. She can be reached at 614-273-6900 or aimee@calvertteam.com. Call Aimee for all your real estate needs!

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aNew York Times Crossword Puzzle

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aHome Design

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UPPER ARLINGTON HOMELIFE

March 27, 2014

Buyers value environmentally friendly features When potential buyers are considering a new home, they are no longer just looking to see how many bedrooms and bathrooms it has or if the kitchen is updated. Buyers now also want to know if the refrigerator has an Energy Star designation, if the toilets are low-flow or if the windows are energy efficient. Environmentally friendly amenities are becoming more important to buyers than

Real Estate Matters Jerry White ever before.

According to the National Association of Realtors, ninety-two percent of all home buyers consider energy efficiency to be somewhat important

with 46 percent of all home buyers ranking energy efficiency as very important when considering a home for purchase.

A series of small, simple changes really

add up in terms of energy savings and can be very attractive to homebuyers.

Here are some tips to green your home for more selling appeal, by making your home eco-friendly: ■ Upgrade to energy-efficient windows. Doublepane windows can reduce your utility bill by as much as 10 percent, making upfront replacement costs a worthwhile invest-

ment.

■ Go with lowflow bathrooms.

Low-flow toilets and showerheads can reduce water consumption by as much as 50 percent.

■ Install tankless water heaters.

Because they don't store water and nor reheat consistently, tankless heaters can save up to 50 percent on a hot water bill.

■ Update the kitchen and utilities

with Energy Star Appliances. The upfront cost for Energy Star appliances will quickly be mitigated by energy savings. These appliances use anywhere from 10 to 50 percent less energy.

■ Pay attention to your insulation. By upgrading your insulation to a higher R-value, or thermal resistance, energy costs will drop.

Please see FEATURES, pg. 3

NEW YORK TIMES MAGAZINE CROSSWORD PUZZLE IT’S BETTER THIS WAY

BY JEREMY NEWTON / EDITED BY WILL SHORTZ ACROSS

1 So over 7 Touching words?

14 Gently floats 19 “Seinfeld” cohort 20 1965 R&B #1 song with the repeated lyric “Can’t you see that I’m lonely?”

22 “Too rich for me” 23 *He bested Leonidas at Thermopylae 25 Nick of “Lorenzo’s Oil” 26 Medicinal qty.

27 Dashed ID 28 Monitor setting, for short 29 Balloon 31 *Off-roader, often 35 What an iPod plays in 36 Stuff in sacks 39 Flying fisher 40 Roughhousing 41 Jokester 44 Glassfuls in restaurantes 45 Country buggy 47 Places for studs 48 Air 49 *Annual draw for snocross fans 52 Union leader?

53 Close up 54 Like Advil or Aleve: Abbr.

55 “That may be true, but …”

57 It’s low for gas guzzlers: Abbr.

60 Home to King Harald V 62 “___ good cheer!”

64 Doesn’t bring up 65 *Iconic feature of comedy 69 Line at the Louvre 70 Bomb shelter?

71 Sub side, maybe 72 D.D.E. challenger 73 “Revenge R Us” author 75 Suffix with peace 76 Bent beam 78 Biting remark?

79 *Founder of Marvel’s School for Gifted Youngsters 87 Of two minds 88 TALK LIKE THIS! 89 Teen headache 90 Got back to, in a way 91 Prefix with cycle 92 Give one’s O.K. 93 Google datum 94 Robed performer 95 “Nothing seems to go my way” 97 *Frequent problem faced by algebra students 100 Pump up 102 Chichi getaway

103 A street drug, briefly 104 Rural call 107 Stoop 108 *Horror flick starring Humphrey Bogart as a mad scientist, with “The” 114 Something LOL-worthy 115 Water, wryly 116 Canadian coin named for a bird 117 “The ___ Project” (Fox comedy) 118 In hot water?

119 Thrive DOW N

THIS WEEKS ANSWERS

1 Something dirty kept in a cell?

2 ___ de la Société 3 Complain, complain, complain 4 “Kid-tested” breakfast cereal 5 50/50 6 “Admit it!”

7 J.Lo’s birthplace 8 Shot caller 9 Danger for Indiana Jones 10 Spring river breakup 11 Siren, say 12 Not so great 13 Member of the music industry’s former Big Four 14 Part of a Napa Valley tour Annual subscriptions are available for the best of Sunday crosswords from the last 50 years: 15 Whack-___ 1-888-7-ACROSS. 16 With 58-Down, a patient process?

Online subscriptions: Today’s puzzle and more … or a hint to two than 4,000 past puzzles, nytimes.com/crosswords consecutive letters ($39.95 a year). in the answer to Share tips: nytimes.com/puzzleforum. Crosswords each of the seven for young solvers: nytimes.com/learning/xwords. starred clues

17 What one might go for a spin in?

18 Any “cha” in the cha-cha-cha 21 How lines of latitude run 24 Mount Zion’s land: Abbr.

30 Couples 31 Scratch, say 32 Rest stop 33 “The oldest and strongest emotion of mankind” per H. P. Lovecraft 34 Cousin of a gazelle 35 Drink with two lizards in its logo 36 Club 37 “Bleah!”

38 Have second thoughts about 40 “Clueless” and “Bridget Jones’s Diary” 42 Sponsorships 43 Serengeti prey 45 Put away for safekeeping 46 Hugs and kisses, at times 47 Paint variety 48 Type-A friend from “Friends” 50 One turning to the right 51 Lose everything 52 Certain bean 56 Hair-razing stuff?

57 Loud beast heard in theaters 58 See 16-Down 59 Bamboozled 61 Like gathering storm clouds 63 No-holds-barred 66 ___ and Thummim (sacred Judaic objects) 67 “Need ___?” (query to hitchhikers)

68 Baron’s blade 73 They’re 18 to 21 74 Things for here and now 77 More pink, perhaps 80 It can be prickly 81 Jib, e.g.

82 John Candy’s old comedy program 83 Motor with some muscle

84 You might get stuck with them 85 Book after Galatians: Abbr.

86 Nutritional info 88 Photogs’ choices 92 It may help catch a fugitive 93 Like Brando’s Don Corleone 94 Disappear, as a trail

96 “Good heavens!”

97 Eject, as froth 98 Retired govt. agent 99 Co. making arrangements 100 Dutch wheels 101 Member of the old Chero-Cola product line 102 “Chop-chop!”

104 Radius, e.g.

105 Seed casing 106 Jump on ice

109 Jet crew, briefly 110 Quick time-out 111 Scream at a ring 112 Bit of love talk 113 Drag

Your Real Estate is My Business What should I do to make my home sell?

How much is my home worth?

Should I remodel my house or buy a new one?

Should I Sell now?

For Answers to all your Questions Call Phil Crawford 273-7705 Any Realtor can sell you a house.

I want to help you live your life.

www.PhilCrawford.com

No. 0316

March 27, 2014

UPPER ARLINGTON HOMELIFE

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Shamrock’s design carries country estate flavor Carriage lights on the front facade of the three-car garage give a country estate flavor to the Shamrock, (332-240) while the wrap-around porch gives it a comfortable, welcoming look. The varied textures of stucco, brick, lap siding and cedar shakes add to the street appeal.

The interior of this one-and-a-half story home offers that same mix of formality and relaxed informality.

An office and a parlor are to the right and left of the vaulted foyer. An office door could be installed to provide direct access from the porch. The bay-

Home Design windowed, parlor is large and richly glassed, but the covered porch mutes light.

A spacious, skylit family room is at the heart of the home. A second floor balcony overlooks this vaulted space, and the foyer as well. Stairs can be accessed from both the foyer and the family room.

Utilities, a freezer and a pull-down ironing board hide behind pocket doors, adjacent to the nook. The passthrough kitchen has plenty of counters.

Space, a trash com-

•FEATURES (Continued from page 2)

Begin by tackling the attic and unheated crawl spaces, then bolster energy savings further by sealing ducts, caulking, and weather-stripping.

Jerry White is executive vice president of operations for Coldwell Banker King Thompson and past Realtor of the Year for the Columbus Board of Realtors.

pactor, a microwave, double ovens and a cooktop. A skylit dining room is at one end, the nook at the other. The entire space is open to a large family room with a two-sided fireplace and French doors that open onto a deck with an optional hot tub.

The deck and hot tub can also be reached through a set of French doors, in the sumptuous owners’ suite. But these lucky adults needn’t go outside to enjoy a hot soak.

They can relax in their own private garden tub, nestled, into a bay window stacked high with glass blocks. Other luxury features include an oversized shower, twin vanities, an enclosed toilet, and a large walk-in closet. A security

system is just inside the entrance to the suite.

Pull down attic stairs in the garage provides access to a large overhead storage space. The garage also comes outfitted with a workshop and recycling center.

The Shamrock (332-240) is the Landmark Designs Inc. plan of the week. Up to 15 percent off construction plans is offered. Call 800562-1151 or visit ldiplans.com for details. A $25 study plan also is available, consisting of an artist rendering, elevations, floor plans and cross section.

Order online or send payment using the discount code LLM30 to Landmark Designs Inc. PO Box 5625 Eugene, Ore. 97405, and be sure to indicate the Shamrock (332-240).

◆ Over 39 years experience and a consistent award winner! ◆ Lifelong resident of Upper Arlington ◆ Quality choice award for 100% customer satisfaction!

JANE STONE, G.R.I.

324-4037 jane.stone@kingthompson.com

Johanna Lopez 30 years real estate experience Assistant to Jane Stone

EXPERIENCE AND KNOWLEDGE MAKE ALL THE DIFFERENCE!

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2460 ONANDAGA

2542 TREMONT RD.

Represented Buyer.

Represented Buyer.

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BEAUTIFUL UA RANCH!

UA! GORGEOUS Elegant! Location! 3 bedrooms, 2 up, 1 down, 3 full baths!

Beautiful great room! Kitchen with granite, family gathering area off kit. Inground pool and sunroon. Price $575,000.

Lovely 3 bedroom 1 story in Wellington Woods!

Neutral decor! Move in condition! 2½ baths, elegant formal rooms and a comfortable family room with hardwood floor and fireplace opens to covered porch!

1st floor laundry, wonderful space in the recreation room. 2 car side loading garage, patio! $449,000

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SPECTACULAR UA HOME! Motivated seller. Custom built manor home w/French influences! 5 bdrms, 5.1 baths. Elegant formal rms, family rm, den, 3 FP, natural wd, LL with fitness rm, kit., bonus rm on 3rd flr, guest suite over 2 car garage. Privacy! Must See! $669,000

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UPPER ARLINGTON HOMELIFE

March 27, 2014

VOTED BEST MORTGAGE LENDER

By ThisWeek Newspaper Readers!

Looking for that perfect home? Talk to one of our mortgage loan officers and you’ll know why we were voted Best Mortgage Lender by the readers of ThisWeek Community News. From 15 to 30 year terms, we have the product that is right for you.

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MORTGAGE RATE

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15 YEAR

30 YEAR

Home Buying Workshop

3/1 ARM 4 7/1 ARM

Saturday, March 29

No Application Fee Quick & Easy Application Flexible Loan Options

10:00 am – 11:30 am

Don’t miss out on our free home buying workshop.

We’ll walk you through the things you need to know such as determining your budget, home inspections and the closing process.

APR* as low as

Down-Payment Options Low Closing Costs

First Time Home Buyer Program Our First Time Home Buyer’s program (Ohio Residents Only) has a low down payment which can be from a gift. Plus, we do not require private mortgage insurance for this program.

Register at www.bmifcu.org

Stop by a branch, apply online at www.bmifcu.org or call us today at 614.707.4000 *APR = Annual Percentage Rate. Rates as of February 10, 2014. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Above rates available on conventional owner-occupied single family purchases and refinances. Rates for First Time Home Buyer, second/vacation home loans, and loans over $417,000.00 will be higher. Discount points are available to reduce your rate. Payments stated include principal and interest only and does not include tax or insurance, your actual payment may be larger. No pre-payment penalty. The annual percentage rate is the cost of credit over the loan expressed as an annual rate. APR may vary. The final APR will be based on the final loan amount and applicable finance charges. Less than 20% down payment may require Private Mortgage Insurance (PMI) and the APR may be subject to increase.

1 A $200,000 mortgage with $2,330 closing costs will have a monthly payment of $1,417.52 for 180 months. 2 A $200,000 mortgage loan with $2,330 closing costs will have a monthly payment of $983.88 for 360 months. 3 A $200,000 mortgage loan with $2,330 closing costs will be paid in 360 monthly installments. The payment will be $816.49 for the first 36 months. The interest rate may changeon the three-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the activity of the interest rate index. The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change cap is 6%. The payment of $1,450.46 is the maximum loan payment amount. 4 A $200,000 mortgage loan with $2,330 closing costs will be paid in 360 monthly installments. The payment will be $898.09 for the first 84 months. The interest rate may change on the seven-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the activity of the interest rate index. The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change cap is 6%.

The payment of $1,462.40 is the maximum loan payment amount.

BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County. Federally Insured by NCUA. Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company. Equal Housing Lender.