Calhoun: The NPS Institutional Archive

Institutional Publications The Classmate

1978-05

The Classmate: Naval Postgraduate

School Officer Students' Wives' Club

Magazine / Vol.18, no.4 (May 1978)

http://hdl.handle.net/10945/46981

th ossmote

NAVAL POSTGRADUATE SCHOOL OFFICER STUDENTS' WIVES' CLUB MAGAZINE. MAY, 1971, VOl. 11, NO. 4

IT'S YOUR MOVE ...

TRADITIONAL CONTEMPORARY COLONIAL

WHATEVER YOUR LIFESTYLE Let our "Residential Sales Specialist" make your next move a pleasant and profitable one. Let our sales associates assist you in a personal tour of available homes and all new home subdivisions in the Tidewater area. Most important, they will make sure that the location and home that you select will be a profitable investment for the future.

"ASK A CLASSMATE"

IB "WE SELL TIDEWATER" REALTOR" Best Possible Financing Arranged

OVER 2000 HOMES TO SELECT FROM FROM $35,500 -IMMEDIATE POSSESSION­

TEMPORARY HOUSING ARRANGED

CLIP AND MAIL FOR FREE BROCHURE Floor Plans, Maps & "Homefinder Guide"

- -------- --- -- --- - ----------l

I AM INTERESTED IN OBTAINING INFORMATION ON . ~~GOOd~ II HOME 0 TOWNHOME 0 DUPLEX 0 .~ "-

COAST TO COAST RELOCATION SERVICE 0 - <0 '" I o ~I ""6 ~o I

(,IhNG ..

MY FAMILY CONSISTS OF SPOUSE 0 AND ___ CHILDREN

I PREFER TO LOCATE IN VIRGINIA BEACH 0 NORFOLK 0 CHESAPEAKE 0

PRICE RANGE ________ ______ _

NAME ___________ RANK ________ __

ADDRESS CITY ___ ____ _

STATE _ ___ ZIP _ __ PHONE ____________ _

(cal)

I

Member of Local , Stale & National .Board of Reattors

Member of Local , Stale & National .Home Builders Association

Member of Norfofk & Virginia Beach .Chambers of Commerce

Member of Better Business Bureau

400 Oakmeares Crescent Virginia Beach, Va. 23462

"Call Collect" Office (804) 499-9191 Nights (804) 4~6753

481-6501

the classmate

Editor-in-Chief Nancy Lemke 2330 ....... 373-5083

Advisor Barbara Barron Code 03 . . 649-8757

Assistant Editor Linda Shoaff 1945 ........ 649-6258

Associate Editor An n Malokas 1652 ....... . 3n-6044

Copy Edito r Janie LeRoy 2670 ... . . .. 1-633-3542

Feature Write rs Diane Clayton 2311 ....... 373-7900 Ann Malokas 1652 ........ 372-6044 Connie Niemeier 1753 ... . 3n-7860 Linda Shoaff 1945 ....... . 649-6258 Betsi Stone 2156 ... . .. . .. 649-3018

Copy Staff Marlene Frill 1426 . ...... . 3n-7881 Janie LeRoy 2670 ....... 1-633-3542 Carolyn Quinn 1637 ..... .375-9747

Advertising Director Phyllis Demo 1161 ........ 375-2019

Circulation Manager Linda Ellis 1979 . . ... .. .... 375-4457

Distribution NPS/SMC Mr. Sheahan ............. 646-2229

Photographers Diane Clayton 2311 . . ..... 373-7900 Rikki Meier 1649 .. . ..... . 3n-8456

The monthly de;adline for ALL copy 10 the Editor, SMC 2330, is the' 51 of the month prior to the month of publicoll­tion (November 1st to gel into the December issue). The de.tdline for advertising copy is the 5th of the month prior to the month of publiCiition.

I'ublithed .1 IW ...... ' 0 Ih", I .5. Gu.e,nmenl by Il rrald I'nn­'e' •• I ...... 201 t"OIIm St .. ~on l " ... , . C.hlorn ••. Ttl[ CL.o\SS­~"IT w" orilln.led and 1""';01111, ed.ttd by ,11" ""i.n uI ,II., I lud .. "lt oI lh", Ceneral Lin .. and N ... aI S.:-,,,nc,, Sch""'. It II now . ... on.ore<! by the Officer Student '- "'''n' Club of Ih" :'oI'~ IJ ..... tp.d".te School. Materi.l and opi",ons ~tlined hErein art: thlMe of the publi'her. and Ire nof 10 b.. ~on.id"r"d an off,cial "'I're"ion oIth" Depanment oIthe Nay,. lkea"", uI itl f"ndi..,., a, In un.offici.l medium for the Offiur Studen .. · Wiyn Club. ad,..ni.emenll in the publicalion do noc Con,illute an "rw:I.orae­m'!I" by tho. [)rpanment 01 the Nuy 01 """ica adw..ni llf:d . Wrillen permi,lIion;1 nece ..... 'to re-print an,. rneteri.l herein.

in this issue ... focus of the month ... . .... .. .. •. . buying real estate

To Rent or Buy ................ . •• ...•••. . •• ••.. . •. . . .•......•....•......... 18 Searching for a Home . .. ................... . .. ... ....... .. . ... ... . ......... 19 Escrow and Added Expenses .......... . .. ... ..... . ......... . ...... " . .•..... 20 What is the News on Real Estate in ... . .. . ........ . .................. . ...... . 21 Lending Institutions ........... . ...... • . . . •• ....• . . . . .. .. . ..•...• . ....•..... 22 VA Loans ............................ . . . ...... . . . . ... ... ... ................ 23 Real Estate as an Investment ..... . . . .••• . . . • •..... ...... .•...•... •• .. . .•. . .. . 25 A Few Tips ........................ .. ...... . .. . ...... ..... . .. . . ....... ..... . 27

oswc news Results of the CLASSMATE Survey ....•. .. ••... ••....• ......•...•.... . _ . . .. .. . 3 President's Message ................. .... • • . ..•. .. . .. ..........•....••...... .4 First Vice President's Message . . .........••....• • . .. • • . . .. . . ....•.....•....... 5 Biswanger Regatta ..... .. ... . ..... ... . .. ....... . . .... ... . .... . .. ... .. . .. .. ... 6 Summer Fun fo r Preschoolers .... .•••...•.....• . .. ... ..... .. ...• .. .. • . . . .. .. 28

feature section Legal-Ease . .. .. .. ... . .. . ... . . . •..... . •....•....• _ . . . . • . •. . .•..........•.. . .. 6 Navy Bleu .. .... . ................................. . ............... __ .. .. .... .7 The Peripatetic Palate .. . .................. . .......... ...................... .. 9 Where It's Happening ................... .... ... ........ .................... 12 Away From It All . . . .. ... .. ................................................. 14 Everything You Wanted to Know about Military Medicine But Were Afraid to Ask .16 International Message . . ..... . .......... . .... .. .. .. ..... . ................... 17

On the Cover: There are many hidden aspects to be explored in the purchase of a home. Some are lovely like the top of this old home Rikki Meier discovered in Pacific Grove . Others are not so pleasant and should be discovered and avoided . 0

1

editorJs notes

2

This month's focus is one that I hope a majority of readers will find perti­nent and worth savi ng. It seems that wherever I go the conve rsation even­tually turn s to real estate - buying and selling, the incredible prices, the in­credible profits to be had, etc. When I brought up at a CLASSMATE meeting the possibility of having a focus on real estate , the ever resourceful staff brought up many ideas for articles which reflected an interest and en­thusiasm that I hope you , the reader, will share.

As in any large topic, it was neces­sary because of lack of space to leave out large parts of real estate infor­mation and barely scratch the su rface of others . We did try to cover areas that would be most relevant to our tran sient , mostly military-related, reading population. The staff experi­ence in the real estate market ranges (rom none to extensive, making the articles they wrote run the gamut from very basic to rather detailed. Readers with varying house buying knowledge should be able to learn from this issue. And if reading this issue makes the purchase of a home easie r for any of you, ou r purpose in writing it will be fulfilled .

I would Ii ke to extend a special thank you to many of our adve rt isers who generously gave of their time and knowledge to provide us with infor­mation. We appreciate your help .

Th is month we add a new article to ou r Feature Section. LT C.L. Rupp from the Naval Administrative Unit at the Heal th Cli nic at the Presidio has kindly offered to write a col umn on

CHAMPUS, health care 'H any other related topics. Please call orwrite him if you have questions you would like him to answer.

Since this is my last issue as editor of CLASSMATE, as I write this I am breathing a few sighs of relief ove r no longer having to worry about dead­lines or having my phone ring con­tinually with magazi ne-related and too often unrelated business. However, I am also sad at giving up what has been a tremendous, creative opportunity to see some of my ideas come to life in print. I would like to thank the OSWC for giving me thi s great and rare chance to edi t an entire magazine with only high school yearbook journalism experience.

Although I will not be leaving Mon­terey unti l November, I have had my eyes open, looking for a replacement ; and after read ing some of Ann Malokas' witty, insightful articles and finding her willing to undertake the responsi bility of being the editor, I feel like this is a good time to quit the job. Besides that, I have run out of ideas, and Ann has many that will keep th e magazin e lively and interesting.

I would like to thank the wonderful CLASSMATE staff and our advisor Bar­bara Barron, all of whom always come th rough with top material even when thei r editor is sometimes incoherent. It has been a good lesson and a pleas­ure to work with you.

Some staff people who were espe­cially invaluable to me are Filomena Si tler, Linda Shoaff and Phyllis Demo. Fil knows much mOre about jour­nali sm than I and saved me a few times from large errors. I hope you r stay in Newport will be rewarding, and you get your book finished . published and sell ing like hotcakes. Linda attended meetings, made speeches and did other tasks that saved me a lot of time and headaches. Thank you, Linda .

Phyllis is probably the best advertising directorCLASSMA TE ever had. It takes $1920 worth of ads to put out each issue of the magazine. Phyllis spent many hours on the telephone and wore out a few pai rs of shoes but al­ways managed to meet or exceed our budget. We shared many cups of pal­liative tea discussing our jobs and generally, we think, were a good team. It has been super working with you.

The people at Herald Printers have been super, remembering things when I forget and being very timely with the publication schedule. Thanks.

I would also like to thank you, the readers of CLASSMATE, for reading and enjoying the magazine. The good comments I heard made me very happy. I appreciate also you r con­tinued patronage of our advertisers, for without their support there would be no magazine.

The only di ssatisfying aspect of this job has been the lack of written re­sponse. I am sorry that many of you found neither the time nor necessity to write a letter to the edito r, Q.A. , Legal-Ease or answer the CLASSMATE Survey. I can neve r understand why some people can complain gutsily to their neighbor about all sorts ofthings about which the neighbor can do no­thing, but when given a chance to be heard by whatever powers that be, they suddenly dry up.

I am especially appreciative of my husband 's support during my term as editor. He li stened sympathetically to my complaints and then gave me .. deserved swift ki ck back to reality. He also was glad to share my triumphs when they occurred and is my major cheerleader.

It has been rewarding and enjoy­able . 0

N.ncy Lemke Edilor-in-Chief

HAIR-CUTTING PARLOR Natural "wash & wear" haircuts for men and women. Individual attention, re­laxed atmosphere with moderate prices.

Results of the CLASSMATE Survey by ,.cqueli ne Boynton

One clear finding of the CLASSMATE survey was that readers do not like to fill out forms . But below is a partial picture of those who did.

You are a well-educated group. Forty­three percent (12 of the 27 who filled out this part of the questionnaire) have bachelor' s degrees, and four others of you have five M.A.' s between you. This represents a slightly higher proportion of four-year and advanced degrees than that found in a 1%9 study of Army officers' wives or in a 1970 Wifeline survey. About two-thirds of you want still more educa­tion with goals ranging from the A.A. level to the PhD.

As for your present occupations , two­thirds listed homemaker, although al­most all of these are planning to do some­thing else in the future. Several already combine homemaking with other activ­ities such as attending college (31 and substitute teaching. Other occupations include a real estate associate, registered nurse, consulting dietician , education counselor and a mathematician . Two spouses are themselves Naval officers . One described her dilemma in being a parHime registered nurse - full-time homemaker. One emphasized she is a

homemaker by choice, while another feels imprisoned in this role.

Reasons for worki ng outside the home included money, self-fulfillment, enjoy­ment and intellectual stimulation . One noted, " My profession dictates the necessity to keep up to date; if I remain inactive too long, job opportunities are less available. " Half of the respondents anticipate making a career change, either moving from homemaker to work out­side the home or advancing in their pres­ent careers .

Four respondents were not working but would like to be employed. Barriers to employment included child care, work not being available when the mother is free and "'part-time work in my field is generally unavailable." One saw her lack of education as a barrier to obtaining a satisfying job.

Those of you who are not working outside the home and don't wish to work usually mentioned you want to stay home with your children. One noted , " Since my mother worked , I realized what I would be missing if I did so. "

All of you expressed some degree of pride in spouse's p'rofession and in

PASS PORTS' COMMERCIAL· CHILDREN

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spouse's sense of achievement, with most votes falling in the very great extent column . Even the opportunity to travel gave all of you some satisfaction , al­though a few mentioned that this defi­nitely depends on where you are going. Two other items receiving near unani­mous endorsements were family rela­tionships and raising children, with these items ranking high among those who consider themselves homemakers as well as by those who maintain their own careers.

Responses to items about community or social activities were distributed across the scale with most answers occurring from the middle category to the little ex­tent direction . Satisfaction with your own career was also mixed. Only one person expressed little satisfaction with his career, and that service spouse hap­pened to be mal e. Most of you receive some satisfaction or great satisfaction running a home. You also tend to find satisfadion and support from your rela­tionships with other military families .

Most of you expressed satisfadion with medical services , Post Exchange , recrea­tion facilities , Officers ' Club , commissary and chaplaincy services although some of you mentioned specific problems as­sociated with the above services . Day care services, military housing and in­formation provided about local housing fell in the middle categories.

Of the ten of you who described your­selves as being in two-career families, five considered yourselves committed seriously to your own careers to a great or to a very great extent. Four felt commit­ted to some extent, and only one noted very little commitment. None felt that your own career had a negative effect on your spouse's career. In fact one noted that your own career made you happy and " when I'm happy, he's happy. " But eight felt that being in a military family had a negative effect on your own career with frequent moves noted as a disrup­tive factor .

Reading these responses has been en­lightening and enjoyable. A great diver­sity of experience and feelings was ex­pressed. One person summed up her feelings eloquently: 'I I am a civilian and a fairly happy one .. . except that we move a lot. If I could change one thiolg, I would have people stop calling me a 'service spouse' or a 'Navy bride' or a ' military wife: I am a woman - wife, lover, mother, cook, nurse, housekeeper, travel agent and seamstress to myself and my fami ly. But I am not a service spouse. I married one man. Not the whole Navy. " 0

3

OS\Ncne\NS

With another quarter well underway, the bu sy times of spring holidays, exams, settling in from the move and becoming familiar with another new class schedule are all behind us for a while. The time here seems to pass so quickly - here I am past yet another CLASSMATE deadline. Sin ce the last writing there have been a number of events of note.

On behalf of OSWC, a very warm wel­come to RADM and Mrs. Dedman. We wish them an enjoyable tour at the Naval Postgraduate School. We are so pleased to have Mrs. Dedman join us as Honorary President of the club.

As this May CLASSMATE will be Editor Nancy Lemke's last issue at the helm , I would like to extend special thanks to her for all her good work . The results , the last six magazines , speak for themselves -Nancy and her staff did a terrific job! OSWC is proud of CLASSMATE, and I am sure our appreciation is shared by all its readers. Nancy has been very patient and most helpful - particularly with a certain president 's message. And in welcoming the new ed itor, Ann Malokas, I pledge my intent anew . I am sure the magazine will continue to be a credit to everyone in· volved with it under her leadership. Again , many thanks to Nancy.

In March OSWC functions included the Art Auction , Bargain Fair, Crafts Cof­fee and Easter Egg Hunt. In April activities centered around welcoming newcomers - the New Section Leader Wives Coffee , Welcome Aboard Coffee , Guided Tour and Tea and the Bus Trip to San Francisco.

The Community and Military Benefits Committee chaired by Ann Sharp planned the art auction. ALL proceeds from that event will be donated by OSWC

4

to community and military agencies. This yearly charitable fund raiser has been quite successful , and we thank you all for your support.

The March Bargain Fair sponsored quarterly by OSWC went very well in spite of some uncooperative weather. Our thanks to Ways & Means Chairwo­men Gay Hitchcock and Judy Meiers and to the husbands who helped run it so smoothly. The next Bargain Fair will be held early in June. This popular Ways and Means project is the major support for OSWC operation , and we hope that it will continue for many more years.

The International Committee did a fan­tastic job on the International Day dis­plays and presentation. " Getting to Know You" was most enjoyable. Our apprecia­tion goes to Merna Dearth , Pat Reynolds and everyone who worked so hard and shared something of their countries with us. And thank you again, Merna and Larry, a great time was had by all at the International Farewell Dance in March.

The Welcome Aboard Committee con­tacts new wives before and after arrival here to extend greetings and offer assis­tan ce. Members of that committee were busy calling newcomers and planning the Welcome Aboard Coffee. Thanks to Chairwom en Conni Clarke and Debbie Marzluff and all who contributed to the success of the program. We had a fun evening of meeting new friends - and again smiling at ourselves in " Cramalot. " Our husbands do have to see that skit-I am sure they would enjoy it too!

A Guided Tour for Wives is sponsored by OSWC twice a year to familiarize the ladies with the Naval Postgraduate School and some history of the old Del Monte Hotel. Carolyn Forgy, the second vice president, arranged the tour and tea that followed. Thank you for this enlight­ening afternoon.

Lee Anne Mertz coordinated OSWC participation in the Adobe Tour this year.

NPS wives were hostesses in Larkin House during the tour weekend. It was a wonderful experience learning some of the history of this charming City and en­joying it all with so many nice people. Thanks to Lee Anne and all who gave their time in this community event.

Last but not least in this overview of activities is a note of appreciation to First Vice President Ann Conner for the cof­fees , Easter Egg Hunt and bus trip she planned as program chairwoman. They were great! During the next two quarters functions for the entire membership are planned at least once a month with a vari­ety of programs for everyone. We hope that we can continue to present adivities of interest and do thank you all for your continued participation.

Many of the activities planned for the coming months and some changes in ex­isting ones were suggestions in returns of the recent OSWC poll that was delivered to women in La Mesa. While the overall written response was not overwhelming, we do thank those who did make the effort for their consideration. We still en­courage and appreciate your comments and ideas for improvement , so please feel welcome at any time to contact me or the Executive Board , your curricular rep­resentative or committee chairwomen. We are all eager to know your feelings and answer any questions about OSWC policy or operation . The pol ls that were received contained some very construc­tive information upon which we are tak­ing positive action, and we hope that this will be evident to you. The main purpose of OSWC is to serve students ' wives, and while we all pursue a wide variety of interests, we are also enjoying the friend­ships and experiences afforded us during our stay here.

I am looking forward to seeing you all agai n very soon. 0

Lynn Lohrmann President

DR. BENDER'S SCHOOL OF MUSIC

Formal private instruction for children and adults in:

PIANO-ORGAN-GUITAR (Folk & Classic) VOICE (Popular & Classic)

ORCHESTRAL INSTRUMENTS - CONDUCTING

372-7857

531 Hannon Ave. Monterey

Hello again! A new quarter has begun and there are many activities in store for you. On Friday, May 5th the OSWC is

having a dance in the Barbara McNitt Ball­room. The dress is casual and the cost is only $7.00 per couple. The Contempos, a four-piece band with a great sound , will be providing the music. Hors d'oeuvres and a no-host bar will be provided , so get your friends together and join us on May 5th.

On Thursday, May18 OSWCwili hosta Tour of Homes and Brunch. This has be­come an annual event, and each year it gets better. The tour will begin on the Postgraduate School grounds at 10:00 a.m. At 11 :30 a.m. after the tour a refresh­ing brunch of fresh fruit, Danish pastries, quiche lorraine , coffee and tea will be served in the la Novia Terrace Room. After the brunch the tourwill continue to la Mesa Village. Here's a chance to see your own floorplan in a different per­~pective , and get some new decorating ideas. The cost of this outing is $3.00 for OSWC members and $3.75 for non­members , so put this down on your

cale ndar now. Our last event in May is on the 25th

when we will be heading to Salinas for a tourofthe Peter Paul and Schilling plants. leaving la Mesa at 8:45 a.m. , the tour of the Peter Paul plant will commence at 9:30 a.m . After it we will have a delicious lunch at the East of Eden restaurant in Salinas. The Schilling tour will round out the day with an hour tour beginning at 1:00 p.m. The on ly charge will be for lunch. The complete tour is limited to 30 people , so please call me at 373-7079 if you ' re interested.

As you can see May will be a busy month for the OSWC, and I hope you will join us for all these events. More informa­tion will be forthcoming via reservation flyers and the Pink Flyer. If you have any questions or comments, please call or drop a line to me at SMC 1282. Hope to see you again. 0

Ann Conner First Vice President

Biswanger Regatta

TRI-CITY 5 Offices SeNmg

Historic Monterey Penmsula, Salinas & North Monterey County

The eighth annual regatta of the Navy Memorial Day Match Races for the Bis­wanger Cup will be held the 27th through the 30th of May. The race is sponsored by the US Naval Sailing Association and hosted by the NPS Sailing Association.

The present plans for the sailing events would have three to four events on Saturday, May 28 from 11 a.m. to 6 p.m. and Sunday, May 29 from 11 a.m. to S p.m. Any rescheduled events would be held on Monday, May30from 11 a.m. t04 p.m. A minimum of seven events must be completed by each crew to compete with all others.

REAL ESTATE

PICTURES, PRICES, DETAILS OF HOMES LOCALLY OR ACROSS THE CONTINENT

MONTEREY WASHINGTON AT PEARL 375-2 .... 2

SALINAS ..... S. MAIN (373' 2"57) 758-6151

PACIFIC GROVE 309 FOREST AVENUE 375-95"1

SEASIDE FREMONT & BROADWAY 3""-8581

MARINA 3084 DEL MONTE BLVD ""-155155

The racing, modelled after the Con­gressional Cup series, consists of a series of one-an-one competitions. Weather and conditions permitting, every entrant sails one race against every other entrant. That entry with the best win/loss record is then judged the champion. Usually the first two days are the busiest and most fun-filled. Each skipper matches crew skills against those of a single opponent, thereby changing many traditional tactics used in the fleet type race.

The Navy's Research Vessel , ACANIA, will provide a spectator platform anchor­ing somewhere along the main course of the race. It is expected that the ACANIA will be underway each day about an hour before the start of the day's events. The Navy motor launch will provide taxi ser­vice to and from the ACANIA from inside the marina , off wharf two ramp. An hourly schedule will be observed by this boat, departing the marina on the hour. Observers may embark directly in ACANIA at the Coast Guard pier (breakwater) or utilize the motor launch as desi red . This service is open to the public and notices will be provided in mid-May with details.

You are invited to join us in observing this important event. For further informa­tion contact the Recreation Dept. at ext. 2644.0

5

feature section

REAL ESTATE SALES TRANSACTIONS: Avoiding the Spectre of FRAUD

by LT DAVID Laredo

Most real estate sellers believe them· selves innocent of fraud as long as they have made no affirmative misrepresen­tations of fact to the buyer. However, a seller may also be liable in fraud for mis­representations made by his broker, his agent or for a nondisclosure of some material fact.

The seller may have an affirmative duty to disclose significant facts regarding the condition of his property. It is not enough in some situations for the seller to say nothing merely because he is not asked. Examples of the seller's duty to disclose include statements with regard to the income that a parcel of real prop­erty produces, the number of units which exis t or are capable of existing, legalities with reference to zoning or conversions,

previous illegal work done on the prem­ises, building code violations and knowledge of termite infestations, dry rot or other defects.

Misrepresentation constitutes fraud . Inadvertent instances of this may occur in descriptions of numbers of square feet or acres of land , the location of bounda ries, or other geographic facts. Particular care should be devoted to the wording of ad­vertisements or signs on the property. The seller and his agents are obligated to make true statements, even when no statement is mandated. Volunteering that a property has easy access to the local school obligates the informant to be truthful.

Once the seller realizes his duty of dis-

6

closure, he should take ca re to make this disclosure in such a manner that a per­manent record remains in order to prove his action. Merely telling the broker to tell the buyer is clearly foo lhardy, as an eager agent may not remember o r want to remember the disclosure . Proper re­cords can be maintained by inserting the disclosure in the sales agreement or via utilization of registered mail prior to clos­ing a sales contract. If no disclosure is made prior to creation of the land sale

contract , disclosure during escrow can still protect the seller if the buyer elects to comp lete the transaction in spite of the knowledge.

The defrauded buyer has two options against the guil ty seller: (1) He may retai n the property and sue for damages equal to the sum of the actual va lue paid re­duced by the actua l value of the property received as of the date of sale; o r (2) He may rescind the contract and seek full restitution of the sales price. 0

EXPECTING ORDERS? To Wash., D.C.-Maryland-Virginia

WOULD YOU LIKE SOME ADVANCE INFORMATION?

We have 19 Offices to Help You, and 5 Relocation Services

WRITE OR CALL COLLECT

Charlotte & Ron Miscavich A Military Family (USCG)

COLQUITT-CARRUTHERS, INC. FREE STATE MALL

BOWIE, M.D. 20715

301·262·6100

301-464·0333 (Res.)

REALTORS

dbi

Have you noticed that strawberries have begun to appear in the supermar­kets? As a person who only recently learned to love this very special fruit, I am overjoyed that strawberry season is upon us . I am determined to learn to use the berry in as many ways as I ca n. The re­cipes this month are ones that I have gathered in anticipation of this project. t hope that you can enjoy trying some of them too.

STRAWBERRY TALlCAKE Package of angel food cake mix prepared according to directions VJ cup port or Madiera or orange juice 1 Y:z cups heavy cream V. cup sugar 2 pints fresh strawberries, hulled 2 T toasted slivered almonds

Slice cake into two equal layers; sprinkle each layer with 2 T of the liquid. Whip cream with sugar and remaining liquid until stiff. Crush 1 cup of strawber­ries and fold in, making st rawberry whip­ped cream. Spread this on top of each of the two cake layers. Slice 1 cup of straw­berries onto one layer; top this with sec­ond layer. Arrange remaining strawber­ries atop cake. Strew with almonds if de­sired.

STRAWBERRY LEMONADE Juice of 1 lemon, 1 T sugar and 2 to 4 crushed strawberries. Pour enough boil­ingwateron the sugarto melt it; combine with the lemon juice and the strawberries and a half glassful of crushed ice. Fill with water and shake in a cocktail shaker.

MARINATED STRAWBERRIES WITH CUSTARD CREAM 2 pt. fresh strawberries (hulls and sfems on) VJ cup sweet red wine or a fruit nectar Custard cream

by Belsi Stone

Strawberry Delights

Combine strawberries and wine in a shallow dessert dish; chill . Serve with Custard Cream for dippi ng.

Custard Cream: 3 eggs V. cup sugar V. t salt 2 cups milk 1 T butler, cut into bits v, t fine-grated lemon peel

In a saucepan beat together eggs, sugar and salt. Gradually stir in milk; cook-sti r over medium heat until custard coats a metal spoon. Add butler and grated lemon peel; stir until butler melts; chill.

STRAWBERRY FOOL

2 pt. strawberries y, cup sugar Y:z cup water 1 cup heavy cream y, cup heavy cream, whipped and sweetened 6 reserved strawberries

Wash, drain and hull strawberries. Re­serve 6 for garnish . Place in a 1 Y2 qt. pan with sugar and water. Bring to a boil; reduce heat; simmer 5 minutes. Remove from heat; strain. Set strawberries aside. Return liquid to pan ; boil rapidly until reduced to y, cup. Combine with cooled strawberries; chill. When ready to serve, whip cream and fold in strawberry mix­ture. Spoon into parfait glasses. Top each serving with some additional whipped cream and 1 of the reserved strawberries.

STRAWBERRY ICE 1 pt. strawberries 1 cup water ~ cup sugar 2 T lemon juice 1 T orange juice

Wash, hull, and force the strawberries through food mill or sieve. Set aside. Heat the water until it is very hot. Remove

it from the heat and add the sugar, stir­ring until dissolved. Set aside to cool. "Combine strawberry p~ree with cooled sugar syrup and the juices. Pour into an ice tray and freeze .

FROZEN BANANA STRAWBERRY SALAD V. cup evaporated milk 8 oz . pkg. cream cheese y, cup sugar VJ cup mayonnaise y, cup chopped walnuts ¥, pt. strawberries, washed and hulled 2 ripe bananas 2 T lemon juice Crisp salad greens

line a 9x5x3-in . loaf pan with alumi­num; set aside. Chill the evaporated milk in a tray in the freezer until ice crystals begin to form around the edge. Beat the cream cheese until softened. Beat in the sugar and the mayonnaise; add the wal­nuts and strawberries. Peel and slice the bananas and gently mix them into the strawberry mixture. Combine the milk and the lemon juice. Beat until very stiff and fold into the fruit-nut mixture. Turn into the loaf pan and freeze until firm . Soften slightly before slicing. Serve on greens.

PINEAPPLE-STRAWBERRY CUP y, fresh pineapple strawberries

Cut pineapple into chunks. Arrange a row around edge of serving dish. Fill center with sliced strawberries and one unhulled strawberry. Makes one serving at 45 calories.

7

STRAWBERRY CAKE 2Y. cups flour (cake or plain) 2 t baking powder VJ t salt Yl cup butter 1 t vanilla 1 'h cups sugar ~ cup crushed strawberries 2 eggs

Mix butter, sugar, eggs, salt, baking powder ; then add flour and strawberries. Makes 2 nine-inch layers. Bake at 350' for 25 minutes .

Frosting : Mix 1 box powdered sugar, y, cup

mashed strawberries, and 4 T margarine. If margarine is too thick , add 'a little lemon juice.

STRAWBERRIES "RUM-ANOFF" 3 pt. boxes of strawberries 1 pkg. vanilla pudding (not instantl 2 cups milk Y2 pt. whipping cream 2 oz. rum sugar, to taste

Wash, slice and sweeten berries to taste. Chill. Make vanilla pudding accord­ing to diredions. Cool. Stir in rum . Whip cream until stiff and fold in pudding.

·Chill. At serving time put strawberries into dessert bowls and spoon sauce generously over the top.

STRAWBERRY WINE PUNCH 1 pt. strawberries 2 cups California rose wine 'h cup sugar Yl t salt Y2 t almond extract Grated peel and juice of 1 lemon 6 oz . can frozen pineapple juice Large bottle chilled California cham­pagne

Wash and hull berries; crush coarsely. Combine with rose , sugar, pineapple juice, salt , extract, grated lemon peel and juice, along with empty lemon shell. Cover and refrigerate overnight. Strain liquid, discarding pulp. Pour over ice in punch bowl and add champagne just be­fore serving. (2 qts.) 0

8

"]' m SO glad you decided on The Yark"

Why do young lovers love The York? Probably for the same reasons everyone else does. Which include the warm, friendly atmosphere, the unobtrtlsive service and the continental menu.

• Rack of Lamb, for Two-Selected baby lamb racks; as you like it. • Bouillabaise for Two - Steaming tureen of sea fare , brimming u;ith Neptune's tastiest treasures. • Duck a la Montmorency - 'Crowned with black Bing cherries and flamed at your table. • An excellent selection of fresh local seafoods.

Cocktails from 11:30 • Dinner from 5, daily Lunch 11:30-2:30, Sunday Brunch 10:30-2:30

Banquets, Private Parties for 10 to 125

653 Cannery Row, Monterey . 373-1545

Dining Out:

ia, ~"lil."'l' ~I.ll."

If you have become ti red of the crazy world of quickly gobbled meals and Big Macs we have good news. O ur favorite restaurants this month provided not on ly delicious food but delightful surround­ings and leisurely evenings.

CAPTAIN JACQUES, a French , Greek and Mediterranean restaurant on Scott and Van Buren Streets in Monterey be­came a favorite for six of us after a dinner there. It was fantastic. Good food , of course, lovely atmosphere and so me­thing we do not find often - a very per­sonal touch as Captain Jacquevisited ou r table often to chat, to fill the wi ne glasses and to see that the baskets were fu ll of the heavenly garlic bread.

We sampled three of the appetizers: tender escargot, delicious art ichokes and an interesting mushroom appetizer cooked in wine sauce and served over toast.

Dinners were served with soup or salad. The Manhattan clam chowder was pronoun ced rich with just enough spices. The salad of lettuce and tomatoes was just right served with a choice of dressings.

The list of entrees on the menu seemed to offer a specialty to suit every taste .

by Ann Malokas and Nancy Lemke

O ur group tr ied seve ral: the best scampi I had ever eaten ; a carefully prepared moussaka, a lasagna-li ke dish made with lamb; chicken with mushrooms and wine sauce; a hearty stew; a seafood casse role in a scal lop shell dish with a triple rich cheese sauce. Each was superb .

We ended the meal with a selection of rich buttery baklava. There was plain bak­lava or pistachio or apple to choose from.

We would have gone into debt for this meal , but we did not have to . The bill came to $81 for six , including wine.

Picture a view of the bay from the fourth story window of a Cannery Row building. Also, spotless white tablecloths and attractive table settings. All of this and fabulous food too? Yes . At CHEZ FELIX .

Two of us started the meal with a rich crab bisque served with garlic toast. A thi rd in the group had a spicy French onion soup. The fourth a butter lettuce sa lad with a very good oil and vinegar dressing.

For entrees we chose Poulet Saute Cynthia , chicken in champagne and raisin sauce (yummy!); Medallons de veau belle-epoque, veal in a rich , rich cream and mushroom sauce; Scampis

charguaise , delicately flavored scampi ; and Entrecote Marchand de Vin , a New York steak flamed to perfection right at our table.

The desserts were big enough to be a meal. Did that stop us? Not for a sec­ond. We ordered one creme carmel , one chocolate al mond sundae with me­ringue, an impressive peach melba and a very different pound cake with brandied fruit drenched in fudge sauce.

The check came to approximately $35 per couple with wine. Definitely worth it.

We could not wait to try the famous CHARLIE 0'5 in Carmel. Unfortunately our dinner there was disappointing.

Since the restaurant does not accept reservations, six of us on a Friday evening were prepared to wait. Surprise , sur­prise. We were seated in five minutes­all six of us sq ueezed into a booth meant for four .

9

When a basket of bread appeared on the table we were ready to dig in , only to find a foreign object in the butter. This would have been forgotten if the waitress had been cheerful abou t giving us fresh butter. She acted as if she had more im­portant things to do.

One in o ur group ordered the si ngle fixed price dinner on the menu - a de­licious dinner and a good value for just over six dollars: soup, salad, sole with lobster sauce, fresh vegetables and for dessert a baked banana with kahlua .

Everything else on the menu is a la carte which pushed the prices way up for food we didn' t think was worth it; just over $2 for a small bowl of on ion soup that tasted more like canned chicken broth - not very ani any. $1.40 was the cost for small bowls of tasty New England chowder that was lukewarm, and $3 for a spinach salad with bacon and mushrooms (big enough fo r two).

Four of us ordered the fresh fish spe­cials of the day: well-prepared entrees served with good fresh vegetables, but since the $6 and $7 prices included ti ny portions and nothing else with it , it seemed too expensive. A fi llet and shrimp brochette for more than $9 had very few pieces of mediocre meat and two dry, tasteless shrimp .

Service was ade quate but not nearly as good as that received by the obviously preferred custome rs at o ther tables . Charlie a 's is over-priced and ove rrated.

On a cold , rainy night we ventured out to sample THE CLO CK GARDEN's cuisine . Their decor of o ld bottles and antique clocks is funky and amusing. Thei r menu has many mouth-watering items.

Entrees allow you to choose two things from a selection of soup (try the Greek lemon, it's unusual and very good) , salad (a wedge of fresh iceberg lettuce drowned in you r choice of dressings -the green goddess is superb) or half an artichoke (served cold with delicious mayonnaise). After such a great begin­ning we eagerly looked forward to the main CO urse . Unfortunately, these proved to be somewhat disappointing.

Two of us had the early-bird special -prime rib. It was very tasty but was more done than what we had ordered and was half fat. The other members of Ou r party had sale, not thoroughly cooked, and the large sirloin steak, not large and also more well done than ordered. Again, the accompaniments to the main courses were delicious - thick, dark bread ; sh-redded, stir-fried-tastingzucchini; and an excellent baked potato.

Service was attentive. The bill, includ­ing an excellent cocktail for each, was $45. We were disappointed by the en­trees because of .11 the good things we had heard about the Clock. And I doubt if we will return for dinner. 0

10

Restaurant St. Tropez

Sil'1one and Christian , your hosts

French Family Atmosphere Gourmet Food

Very Reasonable Prices

RESERVATIONS SUGGESTED

Junlpero Street

624-9018 Closed. Tuesday

Across from Jade Tree Motel

Cannel

Wittmann's European Cafe

Specializing in European Cooking

Delicious H omebaked Bread & Pastry LUNCH AND DINNER

On Uncaln between Ocear. & 7th

Closed Sun. & Mon.

THE " WHOLE" IN ONE CLEANING CENTER

Now - the cleaners you can trust with your suede, leathers & furs! We are the only fi rm in the area

fo have the DuPont Valclene method­a one-step process which does not

remove the color, only dirt and stains.

L&iLCLCNC' Laundry • Dry Cleaning • Alterations

Two Hour Dry Cleaning Service

HAL KITTLESON 372-3101

910 Del Monte Center, Monterey

5th and 6th Cannel

625-1838

9·' ... D!t .

MUST[ CENTEl

--------IBi---··1 ------------1 III Ask Your II II Friends II

About

II ilieOZ II II Salads, Sandwiches II

& Omelets served all day

& evenings

Serving Food

I & Spirits I

Weekends I 11:30 a.m.-12:00 p.m. I

II "5~~~;~m II I Cocktails I I 11:00-1:00 a.m. I

II s::~ ::::" II (weather permitting)

Private parties welcome

II E~~:n::::::'y .1 II Ci~.d Mond." II II F., !'.':'.';;:- II 1.1 Restaurant Extraordinaire 1.1

Cypress Plaza Munras & Fremont ________ aa ____ •

-------------11

• •••••••••••••••••••••••••••••••••••••••••••••••••••• • • ! Wll~~~ IT~~- IlAVV~~I~f3 by Unda Shoaff ! ••••••••••••••••••••••••••••••••••••••••••••••••••••• May

May

May 5

May 5-7, 12-14,19-21 , 26-28

May 6-28

May 7

12

SYlVIA AND ROGER LOVELL COOPER'S WORKS in stain less steel and fibe r will be shown every MWF from 1-4 p.m. at the Mon­terey Conference Center.

SIX RMS RIV VU opens at the Carmel Barnyard Theatre. Call 625-1228 for dates and rese rvation information .

OSWC DANCE, featuring the Con tempos, in the Barbara McNitt Ball room , 8 p.m. to 12:30 a.m. Cost is $7 per coup le - hors d 'oeuvres w ill be provided. No-host bar. Casual attire.

The Wharf Theat re presents LIVING TOGETHER, a British comedy . Tickets are $5.50 on Fri. and Sat. and $5 on Sun. Call3n-7367 for reservations.

PAINTINGS AN D DRAWINGS BY HELEN COLBY and an exhibition of SCULPTURE BY CLAU DE BENNETT wi ll be shown at the Mon­terey Peninsula Museum of Art (559 Pacific Street , Monterey). Hours are Tues . through Frj. 10 a.m. to 4 p.m. , and Sat. and Sun. 1 p.m. to 4 p.m. Admission is free .

MONTEREY COUNTY SYMPHONY CONCERT, King Hall. Call 624-8511 for reservation and ticket information.

May 9 American Theatre Film Festival, THE LITTLE FOXES , at Sunset Center, Ca rmel.

May 9 MAN IN SPACE fi lm se ries at NPS in room 122 of Ingersoll Hall. " Nothing so Hidden - Apollo 16" will be shown at 7:30 p .m. The fi lm lasts 30 min. Free admission.

May 12 & 13, ONCE UPON A MATTRESS , p resented by the 19 & 20 NPS Little Theat re Group. Performances start at

8:30. Tickets avai lable at the door.

May 11-14 SALINAS VALLEY FAIR , King City.

May 12 WILLIAM CORBETT JONES wi ll give a lecture/recital at the piano, playing works of Chopin . Time and place are 4:45 in the MPC Music Hall. General admission is $2.

May 14

May 14

May 14, 16, 18, 20,23 , 25 , 28, 30

May 16

MOTHER'S DAY

DEL MONTE KENNEL CLUB DOG SHOW, Peb­ble Beach.

Hidden Valley Opera Ensemble presents Verdi 's RIGOLETTO . Tickets are $8. Evening performances are at 8 p .m. , and Sun. matinees are 2:30. Call 659-3115 for reservations.

NPS MAN IN SPACE FILM SERIES: "On the Shoulders of Giants - Apollo 17." Same time and place as before.

YOU FINISH 'i:==== YOU SAVE IT'S EASY

CHILDREN'S FURNITURE .oI1d wood furnltur. bultt tor chUdNft.

O .. lgn.ci to w •• , and Inl -prtclfd tor ."ordabtllty.

10.0006:30 TUl.4AT NOON · ~oo IUI't

May 17

May lB

May 19

KIDS' MOVIE: Walt Disney's " Almost An­ge ls," Monterey Youth Center (EI Estero). Ad­mission is $.75 and includes a bag of popcorn.

OSWC TOUR OF HOMES AND BRUNCH. The tour begins at 10 a.m. for homes on the NPS gro unds, brunch is at 11 :30 a.m. , and the La Mesa homes' tour starts at 1 p.m.

The film PAT AND MIKE will be shown atB p.m. in the MPC Music Hall. General admission is $1.50.

May 19 & 20 LOS ANGELES MASK THEATRE, Monterey Con­ference Center.

May 20 & 21 FOURTH ANNUAL CYPRESS SCALE MODEL SHOW. Hundreds of miniatures, planes, machines, and figu res will be on display at Sti llwell Hall, Fort Ord. Hours are 1-5 on Sat. and 9-5 on Sun. Anyone ca n enter a model by taking it to the Hall on one of those days. Spec­tators are welcome. Free admission.

May 21 14th ANNUAL POPS CONCERT, presented by the Monterey County Symphony Gui ld , at the Monterey County Fairgrounds. Gates open at noon. Admission is free for kids under 12, $1 fo r those 12-15 yrs. , and $3 for people 16and o lder. There will be a snack bar open and plenty of picni c tables for those who choose to bring a lunch. This concert is a good int roduction to light symphony music.

May 21 HORSE SHOW, Pony Club., Pebble Beach.

May 23

May 25

May 25

May 26-28

May 27-29

May 29

May 30

June 3

NPS MAN IN SPACE FILM SERIES: " Skylab : The first 40 Days. " Same time and place as the others.

OSWC TOUR AND LUNCH. Carpools will leave La Mesa at 8:45 a.m. and go to Salinas for a tour of the Peter Paul Factory, lunch at East of Eden, and a second tour at Schilling Spice Factory. Only30 people can participate, so watch forthe reservation form.

CARMEL MUSIC SOCIETY special concert: Michael Newman, classical guitarist , Sunset Center.

ANTIQUE SHOW, Monterey County Fair­grounds.

MONTEREY PENINSULA YACHT CLUB, Navy Biswanger Regatta , Monterey Bay, see article.

MEMORIAL DAY.

NPS MAN IN SPACE SERIES: " Skylab : Space Station I" . Same time and place.

BARGAIN FAIR, La Mesa School. 0

CHILDREN'S SHOE SPECIALISTS

141 Webster at Cas, (Behind Monterey Post Offi~)

For Very Wide Feet We Stock to EEE For Very Narrow Feet We Stock to A¥ Your Doctor's Orthopedic Prescript ions

Accurately Filled Dance Wear

INTRODUCTORY OFFER W ith This Ad

$1 .00 off to M ilitary on I sf p.ir of luther shoes for children

373-2li28

STRIDE RITE LAZY BONES

13

by Diane Clayton

Seattle and the San Juan Islands

With summer break around the corner, I'd like to suggest the following vacation excursion. Seattle , the largest principal city and port in Washington, is a city of steep descents with streets that lead to the waterside , lined with docks and ships of every description. Surrounded by water, snow-capped mountains and beautiful rain forests , Seattle is in a set­ting of natural beauty. Across Puget Sound the rough Olympic Mountains rise steeply out of the sea , and behind Seattle to the east is the Cascade Range with Mt. Rainier, 14,410 feet high.

Visitors to the area will find four scenic drives marked with appropriate curb-side green trident signs, spaced th ree to eight blocks apart. A convenient point to start any of the scenic drives is from the Smith Tower, 2nd Ave. at Yesler Way. One of the most outstanding points of interest is the Seattle Center and Space Needle in­cluding the Pacific Science Center, for­merly the site of the 1%2 World 's Fair. The four million doliarSpace Needle tow­ers 600 feet above ground level and has

14

a revolving restaurant atop which makes one complete revolution every hour. The quick trip up takes a mere 43 seconds. It is a must for every visitor to Seattle to take the trip to the top to look at the magnificent surroundings from the observation deck.

The population of Seattle is a con­glomerate of peoples, and the influence of water and the outdoors is very appar· ent in their lives. Water sports are espe· cially popular, and many people own boats. Clusters of houseboats are moored to walkways running out into Lake Union and Portage Bay. The water­front preserves the past of Seattle, and the city derives its characte r from the wharves and its people.

If you have always had a desire to cruise " the islands," consider the Washington State Ferries. They stop at all the larger islands, and a ferry schedule can be ob­tained from the Seattle Chamber of Commerce. At low tide there are 768 is· lands in the San Juans. They are located between the northwestern part of the

State of Washington, the Canadian Is­lands of Vancouver and the city of Van­couver, B.C.

Our friends we visited last summer have a cabin on Guemes Island. We took a small ferry from Anacortes, which is about 80 miles north of Seattle, and al­though our campe r was a bit wide, we managed to squeeze on the nine-car

ferry. Many islanders park their cars in Anacortes and go by small boat to their cabins on the nearby island. Many deer were spotted grazing alongside the road and rabbits were abundant. The shade in the forest is so dense in places that there is little underbrush -there is such peace in a forest such as this. Th e island is trian· gular in shape, and its eight square miles are heavily wooded, with pathways lead­ing to the Sound. A few farms are scat­tered about the island, and a small Indian

'/ •

,j

)

,I)

vi llage is on its northwest tip. Large de­posits of plastic clay are found here.

The San Juans are a jumble of old sand­stones and granites which were pushed up from below and later overridden by glacie rs from the ice ages . The islands are rugged, studded with rocky points. Be­tween the headlands are quiet bays , often hidden and wonderful places to explore. Most of the islands are neither

too little nor too big and offer much vari­ety in plant and wildlife.

We all went out in a salmon fishing boat to try our luck si nce the best salmon can

BREMERTON - BANGOR - KEYPORT Orders to the Pacific Northwest?

Call Collect or Write DICK COUCH

or ALICE COUCH

Jenks Beard Realty 1122 Sylvan Way

Bremerton, WA 98310

Daytime: (206) 377-4484 Eves: (206) 479-4808

be found in these waters . We weren't getti ng any bites when all of a sudden three gleaming killer whales rose out of the water and slowly rolled under again . It was quite a thrill to be so close, and we were thankful they didn' t decide to sur­face under the boat. The whales were after the salmon so we pulled in our lines and went ashore.

The children played Robinson Crusoe and paddled about on a small fiberglass boat while catching dungeness crab with their bare hands. The adults set mesh crab pots a short distance from shore with clams as bait. We all got a lesson in the difference between a male and female crab . The imbedded tail of the male is narrow,·while on the female it is broad. It is against the law to keep females, and the males must be at least six inches acroSS the body. We cooked our crabs live , which for me wasn't easy.

It was a beautiful, sunny day so we headed acrOSS to Jack Island by motor boat with a picnic and plenty of fresh crab. Jack Island is uninhabited by people but many birds live there. We hiked around, stopping frequently to collect tiny shells and driftwood. The rocks are like smooth slate and great for skipping in the water. While hiking we had the privilege of seeing a bald eagle flying to its gigantic nest perched up on the high­est tree. We intend to go back someday and enjoy again the beautyof these quiet , forgotten islands. 0

The author wishes to acknowledge the assistance of Jerry Tuttle in his help with this article .

15

Everything You Wanted To Know About Military Medicine But Were Afraid To Ask

by LT G.l. Rupp

Q. I understand that the Presidio of Monterey Health Clinic has a Health Care Consumer's Council. What is the pur­pose of this Council1

A. The primary objective of the Health Care Consumer Council is to determine patient desires through a free exchange of ideas and information between con­sumer representatives and representa­tives of the health ca re delivery team. The Council gives consumers a forum to ex­press their opinions about the health care we provide and gives the Clinic staff members an opportunity to discuss and explain policies, practices, problems and other matters .

Q. What does the Council membership consist on

A. The Council membership consists of the Chief Physician of the Health Clinic, various other members of the health and dental team, representatives from vari­ous commands, wives' clubs, retired military members and other organiza­tions whose membership includes mili­tary health care beneficiaries.

OSWC Courtesies

OSWC courtesies are extended in the form of flowers orcards to members who are hospitalized , seriously ill , gave birth recently orto those who have had a death in the immediate family. If you know of someone to whom these cou rtesies should be extended, please call Carolyn Forgy 373-5890. 0

NPS Tennis Association

20 May - Election of new officers at picnic.

20 May - NPSTA picnic - Navy golf course picnic area - flyers will be sent.

20 May - Presentation of NPS Rec Dept. tennis trophies to winners at pic­nic.

June - Ladies Single Leaguewill begin. Watch for flyers . 0

16

Q. Who are the specific members rep­resenting the Navy beneficiaries and how can I contact theml

A. The specific members for the Naval Postgraduate School beneficiaries are as follows:

Barbara Barron , NPS Staff Officer's Wives Club, Code 03 , 649-8757 ;

Ellen Yeaw, NPS Student Officer's Wives Club, SMC 1279, 375-7994;

LT Stewart Schreckengast, SMC 1487, 373-4089;

AG1 Oneil Estela, NPS Staff, Root Hall Bldg. 235, Work Phone 646-2465, Home Phone 384-8655.

Q. Where can I get advice and/or assis­tance about Champus)

A . By calling or visiting the Champus Office at Silas B Hays Army Hospital , phone number242-4823 orthe Navy Med­ical Administrative Unit, Presidio of Mon­tery Health Clinic, phone 242-8614. 0

Incidentally any questions you would like to see answered in the CLASSMATE should be directed to LT Gary Rupp or HMC Larry Rydel at 242-8614.

Corrections to Medical Care article in the March/April CLASSMATE:

Hours for inoculations at the Presidio Health Clinic are from 0800-1100 and 1300-1530 Monday through Thursday and OBOO-1100 and 1300-1430 on Friday. Patients may also use the inoculation ser­vices at the Silas B. Hayes Hospital.

X-ray services are available at the Pre­sidio Health Clinic from 0700-1600 Mon­day th rough Thu rsday and from 0700-1200 on Friday.

The pharmacy at the Presidio is open to fill prescriptions f rom 0730-1600 Monday through Friday. 0

Spring has Sprung at

International Gifts!!

Come and see all of the Springtime gift sets we have! We have the perfect gift for every member of your family and a few things you'll want to keep for yourself! We sell: Candles, Coffee Mugs, Mirrors, Brass and Copper Pieces, Kitchen Accessories, Interior Decoration Items and Our newest addition is the Children's Corner. It features, Dolls, Books, Games and the new Kids Name Records sung by Capt. Kangaroo about your child's own name.

Come & See for Yourself

Hrs - Noon to 6:00 p .m. Tue. thru Sat. Bldg 1777 2nd Ave (old 4 Seaoono Store)

Phone 899-1818

INTERNATIONAL MESSAGE

The highlight of the year for the Inter­national Committee is the annual Inter­national Day festivities that were held this year on AprilS. A great deal of planning, work and talent went into making this day a pleasure. It is a special time for our internationals to show us a little bit of their countries, and what a marvelous job they did! Eighteen countries had displays around King Hall in the afternoon. The displays consisted of everything from ar­tifacts , music and posters to food. Speak­ing of food , what a great way to take a fast trip around the world via cu linary de­lights! It was a marvelous day and a fitting preliminary to the evening event.

As soon as everyone finished with the displays and King Hall once again resem­bled King Hall , all participating rushed home for a quick meal, a costume change and were back ready for the evening per­formance . The theme was "Getting To Know You," and it was evident (rom the enthusiasm of the crowd that good will and fellowship abounded. Each country had something special to contribute. There were fo lk songs and dances, slide presentations and two skits - a comedy routine by Canada and a delightful folk tale featuring children from Germany. There were also three strange green little fellows claiming something about a " close encounter of a foreign kind." The grand finale was a presentation of the

Your independent travel agent serves you best.

by Merna Dearth

flags of all the countries while the theme song " Getting To Know You" was played in the background - a fitting conclusion to a wonderful evening.

Gettingacquainted seemed to be more than just the theme for International Day. On April 12 the quarterly ladies' coffee was held. Everyone had an enjoyable time as we welcomed Our new wives and visted with those that have been with us .

The wedding of LT and Mrs. In Ku Han wu celebrated lut month in Cumel Valley in a tr41ditionil Korean ceremony. LT Han is a stu­dent at NPS.

4-46 PACIFIC STREET MONTEREY, CALIF. 93940

649-4292 A Classmate advertls., for 15 yeen.

In closing, larry and I would like to express our appreciation to the co­directors for International Night, CDR Rolf Molland of Norwayand lT Fred Zeile of the United States. We would also like to thank the following chairmen : Display-Pat Reynolds, Food-Donna Car­lock, Publicity-Jill Hill , TicketS-Sandy Kolodziej and all the rest of the special people that helped to make the day a SucceSs . 0

Furniture Closet. We need furniture for the International Furniture Closet. Most of the foreign students are not al­lowed to ship household goods to the USA; thus this furniture is much needed and appreciated . All donations are tax deductible. Call Bonnie Kalyn 373-3257.

Hospitality Closet_ Donations are al­ways needed for the Hospitality Closet. The Closet is located in Herrmann Hall and available to all NPS international stu­dents. Any dishes, Silverware, pots, pans, linens, curtains, drapes or small electrical appliances in good condition can be put to good use. For further information call Diane Wells 373-3568.

Interested in sponsoring an interna· tional stude nil If you enjoy making new friends, here is one of the most interest­ing opportunities you may ever have. Many of Our current sponsors graduated recently, so that a large number of foreign students will want to make new American friends. Also, a number of new international students will be arriving. A sponsor is simply a f riend that helps ac­quaint the international with our country and makes him feel at home in the USA. Being a sponsor to an international stu­dent at NPS is a most valuable and mean­ingfu l experience for one's whole family. It also provides a great opportunity to learn about people of other nations. If you are interested, please call Merna Dearth , 649-4461, Pat Reynolds, 372-2446 or Jane Tulloch, 64~881 . 0

17

focus of the month

To Rent or Buy by Nancy Lemke

The weighty problem of where to live faces all of us each time we receive a new set of orders. Often as not we are strangers to our new duty station and must anticipate the frustrations offinding a home in which we will be happy in a town about which we know nothing -not a fun prospect.

The first question to be faced is whether to move into military quarters (assuming they are available>. rent a home or apartment, or buy. There are, of course, many variables involved in this decision based on the area you are mov­ing to, the length of your stay there, your family's needs and your financial situa­tion.

When military housing is available to you , its advantages are its relative cheap­ness (unless you are in a rare part of the country where your BAQ in the civilian housing market would allow you more than quarters), its usual convenience to work and your lack of responsibility con­cerning major upkeep. Its disadvantages are the often less than ideal floorplans, the limited means you can use to per­sonalize it and the fact that your rent , although low, can be used neither as a tax deduction nor to build equity.

The latter two disadvantages are also true in renting civilian housing. You also must contend with the sometimes ques­tionable reliability of your landlord. One advantage is agai n the lack of you r concern with major upkeep (especially important for some people during a husband' s long absencesl . Another is if you are only going to be in an area for a short time , renting usually allows you to move in and out most rapidly.

Buying a home can have many advan­tages , but again , they depend upon your particular situation . Being able to wall­paper or landscape or do whatever you want to make your house your home is a pleasure that is difficult to give up once you have experienced it.

On the financial ~ide, with today's es­calating home market where prices seem to have no upper limit, the profits to be made in buying a home are considerable. Even if you purchase a home where real estate prices are fairly stable, the tax

18

advantages of bei ng able to deduct the interest portion of your mortgage pay­ment (almost the entire payment in a new loan) make it financially wise to ubuy a home. And once the amount of your in­terest payment allows you to start itemiz­ing your deductions, you can also deduct your state income tax, property taxes, donations and all the rest of the allowable deductible items you've paid out in the past but were unable to deduct because they didn' t exceed the standard deduc­tion . Beats a rent receipt stamped "paid," doesn't it?

And once you do start building equity (basically, the difference between what you owe on your house and what it is worth) , it makes the purchase of your next home easier. Having the equity from your previous home allows you to put more down on a new mortgage to either let you have smaller payments or let you buy a more expensive home. Or you can use the cash to put improvements in your new home, invest elsewhere or spend as you wish . Sounds great, doesn' t it!

However, there are times you should not buy a house. When you are only going to be in one place for a few months is a good example, unless you intend to keep the house and rent it out while you are gone, giving you enough apprecia­tion time to overcome the expenses of selling. When you buy a house you should be aware that there is no landlord to call if the furnace breaks. If you are not a handyman, you must allow room in your budget for such inevitable ex­penses. Which leads to the most obvious reason for not buying a house - if you can't afford it. Living in a house whose mortgage and upkeep expenses are so high that you can't afford to do anything other than exist can be an intolerable burden. Instead of getting into that situa­tion, perhaps it would be wiser to find a cheaper place to live, set up a good sav­ings and investment program that you ca n stick to and wait fot a more 'favorable time. But don 't wait too long. With house prices soaring, you may never get to ex­perience the pride and pleasure of homeownership. 0

buying real estate

Searching for a Home

Once the decision to buy a house is made, the search must begin. But where to begin and who to see? Especially if you are new to an area or have never bought a house before, getting started can be most difficul t. Before you contact any profes­sional help , decide with your family your priorities in a home. Write a list in order of importance and try to stick to it.

Another good idea (providing you aren' t rushed for time) is to drive around the area with your fami ly and look for neighborhoods that are attractive to you. look in the newspaper ads for addresses of houses in your price range and drive by them, checki ng the area as you go. A must for this type of expedition is a good map. Followthe map carefully and mark it as you go. Don' t trust your memory,

especially if you are unfamiliar with the area .

Contacting a realtor is the next step. The problem is often finding one that you like and trust. You might try asking someone who has purchased real estate in the area to recommend an agent. A local bank or savings and loan might be able to refer you to an agent, or you can always look in the yellow pages or news­paper ads. Remembe r, if you do not like the first agent you see, you are not com­mitted to stay with him. It is your privilege to find another agent or even work with more than one at a time, although this might lead to confusion and wasted time for both parties. The biggest advantages to using an agent include his knowledge of the market, the area and loan a­vailabi li ties and his access to a wide vari­ety of homes through the multiple listing

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Are ready to assist you and your family in your next move. Cali NOW or write Sharon or Bill for free information, maps and brochures on the Tidewater area.

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PROFESSIONAL REAL TV CORPORATION 3284 Virginia Beach Boulevard Virginia Beach, Virginia 23452

"A Name You Can Trust"

by Janie LeRoy

services. The agent is working for you , and if competent, should help you find what you want and not push you into buying. Agents cost the buyer nothing and can be invaluable to an inexperi­enced buyer.

If you choose not to use an agent, you might be able to lower the purchase price on a house, as independent sellers are apt to deduct a portion of the realtor's commission (a whopping &-9% of the house's price) from the selling price. However, it is most important to consult a lawyer. It is all too easy to get taken when buying a house - so be careful !

When looking at homes, it is helpful to keep a notebook with the addresses and your comments about each house. Re­member your priority list and try to note if the house meets your most important priorities. Ask questions - about schools, future development, transporta­tion, appreciation and anything else that seems important to yo u. You are invest­ing a lot of money into a house so you deserve answers to your questions . If you are serious about a house, inspect it a second time. look carefully at any built­in appliances and see if you can visualize yourfurniture in the house. Try to inspect the neighborhood at night, noting how well-lighted the area is.

When you are sure that the house meets the needs and desires of your fam­ily, then you are ready to make an offer. Your agent will discuss with you the legal aspects of the offer and advise you on any deviations from the asking price or any special conditions you might want to attach to the offer. Remember, it won' t hurt in most instances to try a low bid. You will be required at the time of sub­mitting the offer to put forth some ear­nest money (the amount varies) to show your good intentions. This earnest money applies to your closing costs and is refundable (except in rare cases) if the deal falls through. The seller usually has a time limit to respond to your offer, so you will know within a few days at the most whether you will get the house or renew your search for a home. Having an offer refused can be frustrating, but it is par! of the house-hunting game. If you persist in your search , you will undoubtedly be re­warded by purchasing a satisfactory home. 0

19

Escrow and Added Expenses

by Ann Malokas

When the realtor tells you the house you want to buy is " in escrow" do you a) keep your checkbook handy, b) wish you had taken that law course when you had the chance or c) start picturing curtai ns in your new kitchen? The answer is all of the above.

After you have fou nd your dream house certain things must be completed and many details taken care of before it is yours. In theory you can hand the seller a check and have him hand you the keys; however, since mortgages and little­understood legal details are a fact of life, it does not work this way. In many cases the buyer and seller work through a neutral third party or escrow holder, often a private escrow company or the escrow department of a bank, to see that these details are taken care of. The house is now in escrow.

Where does the checkbook come in? First there is an escrow fee, a percentage of the selling price that varies in different areas. Then , while the escrow holder handles the details, many of the details must be paid for - by the buyer.

Afte r you have paid the escrow fee and the holder has put down the terms of the sale for buyer and sellerto sign and holds the seller's deed and the buyer's money, what can be accomp lished and what can you expect to pay for?

Since a mortgage is usually involved, the escrow holder often works with the bank or loan institution to see that credit forms are provided; he also studies the existing mortgage if this is to be assumed by the buyer. You can exped to see some of the first dollar signs when a credit check on you and on the house begins.

If the loan company demands fire in­surance or termite inspections before approving the loan, the escrow holder can arrange this - at your expense.

Sometimes mortgage insurance is re­quired, and you will pay for this.

Do you want to be sure your neighbor won 't be chopping down those beautiful trees in the far corner of the lot? A survey is usually required to determine the exact boundaries. This too costs money.

You will be required to pay for a title search or to buy title insurance. With the masses of legal details that have accumu· lated when a house has been bought and sold over the years, it is necessary to be sure no complications or loopholes from the past still exist. When you buy title insurance, the insurance company does

20

the search and insures the buyer against possible legal problems resulting from old liens or lawsuits which may be unre­solved.

Then there are prorations, the nickle word for the fact that if the seller pays a full year's taxes in January, and you buy the house in June you owe the seller for half of the taxes. This can also involve interest paid on loarts, insurance pre­miums and other expenses.

II

#11# Needlemwk.

local policies will vary but certain transfer charges can be expected for re­cording the deed and the mortgage.

When the deed is in the hands of the buyer and the money is in the hands of the seller, the work of the escrow holder is finished.

On second thought leave your check· book at home. When you are spending this much money a cashier' s check is usually required . 0

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What is the News on Real Estate in .. .

buy a house. Moving soon? Run! Don't walk to the real estate ads in CLASSMATE or in other military publications. If you have avoided noticing these in the past you are missing out on a very easy, inexpensive way to become acquainted with your new area before you even start packing to leave here. One 13 cent stamp or collect phone call to a realtor can bring all kinds of in­formation, whether or not you decide to

Efforts to get information from such ads for this article resulted in six re- ' sponses from eleven letters. What re­sponses! My phone seemed to be ringing continually for a week with long distance calls giving and seeking information. Al­ways the parting note was, " If there is anything else we can do, call us collect , PLEASE."

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by Ann Malokas

I hope the bits of information that can be printed in this limited space will in­spire you to do that as moving day ap­proaches.

Bremerton, Washington : Jenk's Beard Realty reports many new and older homes available within easy commuting distance of Puget Sound Naval Shipyard , Bangor Submarine Base and Keyport Torpedo Station. There are many older homes in wooded suburban lots starting at $25 ,000. A typical home of 2000 square feet would be close to $50,000. Most new homes start at $50,000.

Jacksonville, Florid.: Watson Realty Corporation reports housing is available near three military installations starting between $30,000 and $40,000. They en­closed a booklet with pictures of some attractive homes from $48,000 to $117,000.

San Antonio, Texas: Morton South­west Realty offers homes from $25,000 to $65 ,000 and enclosed many allractive floorplans for houses ranging in size from 1,005 to 2,297 square feel. In this area the suburbs are actually within city limits with a surburban atmosphere but convenient to shopping, schools, and military instal­lations.

Charleston, South Caroli na: Bob Lane Realty reports that most military are able to buy homes very close to military bases or in several surrounding areas only a short commuting distance away. He too enclosed a booklet of photographs of homes ranging from $20,000 to about $73 ,000.

San Diego, California: Forest E. Olson Re~ltors reports the outlook is very good for military families wanting to buy homes in San Diego. She recommends homes selling from $55,000 to $75,000 which she says are readily available with­in a half hour drive from military bases and in good school districts.

Virginia Beach, Virgin~: Rose and Kreuth Realty reports that about 51% of military families in the Norfolk, Chesapeake, Virginia Beach area buy homes in the Virginia Beach area. About 50% of the homes sold in thearea are new or under construction, priced at from $40,000 and mostly up.

Happy house hunting! 0

21

Lending Institutions by Janie LeRoy

The dream house has been found -now how do you pay for it? Since most of us don't have enough cash for the house, we have to borrow the money in the form of a mortgage. A mortgage is defined by Webster's as " the pledging of property to a creditor as security for the payment of a debt. " The basic kinds of mortgages are VA, FHA and conventional. This article is about shopping for a loan and what the lending institution will want from you.

Currently, most lenders are using a four-ta-one ratio for figuring the max­imum monthly house payment. This means if the gross family income is $1500 a month, then $375 (one-fourthl would be the maximum monthly house pay­ment a lender could afford. This is a gen­eral rule and there are many exceptions going both ways. Your real estate agent should be able to determine your loan eligibility before you even look at houses so that your time will not be wasted look­ing at houses that are beyond your means. If you do not use an agent, then talk to your banker or financial advisor. Know what you can realistically afford ac­cording to lending institutions' stand­ards .

Shopping for the best loan in terms of interest rates and down payment re­quirements is important. Although in­terest rates on VA and FHA loans are standard, there can be a down payment requirement if your loan is above a cer­tain price, depending on the lender. Points (a point is 1% of the loan amount. lenders charge a varying number of points as a loan fee.) can also differ. Conventional interest rates vary and so do down payment requirements. You might be able to get a lower interest rate if your down payment is higher than the normally required 20%. Again, your real estate agent should have current infor­mation on area lenders (in Monterey, a listing of current interest rates and points is distributed weekly to realtors) and help you select the best lender. If you are not using an agent, make calls to the lending institutions and find the one that offers you the most advantageous interest rate , loan fee and down payment arrangment.

The biggest source of home mortgages are savings and loans. They account for around 50% of all home loans. Other len­ders include commercial banks and pri-

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vate mortgage companies. Part of your agreement when buying a

house may be that you must finance you r new mortgage through the same lender the seller used when he originally bought the house. This is done by the seller to avoid prepayment penalties which are monetary penalties that banks levy on conventional loans if they are paid off early. This can be a disadvantage to you , the buyer, because you are now obli­gated to a specific lender and are unable to shop for one who may offer you a bet­ter deal.

Assuming the seller's VA or FHA loan is another method of home financing; no new loan is granted, and the buyer pays the difference between the selling price and the balance on the existing loan. One large advantage here is the usually lower interest rate on older loans. Second mortgages can also be used in a situation where you do not have enough money for the down payment. You borrow that money for a shorter period of time and at a higher interest rate than your basic home loan. Second mortgages can be fi­nanced through regular lenders or through the seller.

When you have decided upon a lender he will want to know your complete fi­nancial background. So be prepared with all account numbers, dates, etc. that re­late to your finances. Generally in ap­proving a loan lenders look for stable employment, monthly income amount, amount of outstanding debts and a good credit standing. The house you wish to purchase will be appraised by the lender (or the VA or FHA appraisers if your loan is government insured), and the ap­praised value, less any required down payment, will be the amount of the loan. Any difference between the appraisal figure and the selling price must be worked out between the seller and the buyer. In cases where the house ap­praises for less than the price you agreed to pay the seller, you will generally have to pay the seller the difference in cash.

Be prepared to wait for all the paper­work to be completed so that the loan can be officially approved. It can take from four weeks to three months for this pro­cess. You may have to have some form of temporary housing in the mean time. This can be uncomfortable, but be pa­tient and prepare to enjoy your new home. 0

The author wishes to acknowledge the assistance of Dimitry Pavloff of Tri-City Real Estate and Insurance Agency, Inc. in providing information for the above art;-

L-_________________________ -.-J cle.

22

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VA Loans

by linda Shoaff

Attempting to write one article on VA loans is comparable to condensing GONE WITH THE WIND into a short story - everythi ng can' t be said in so few words . Therefore, the following informa­tion is only an introduction designed to be a sta rti ng place in learning how to ob­tai n and use VA loans .

The Veterans Housing Act of 1970 pro­vides that all eligible, qualified veterans who have not previously used thei r VA entitlement for a home loan, are eligib le for a home loan for an indefinite period of ti me. The re is no longer any expiration of a veteran's el igibi lity .

In order to be eligible for a VA loan a veteran must have served on active duty fo r the requ ired length of time. In order to prove eligibility the veteran must in­clude a Certi ficate of Eligibility with the other loan application papers . The lender or VA regional office can provide the ap­propriate form which is then taken to the mili tary personnel office for completion . Inactive duty vetera ns need their sep­aration papers. Irs a good idea to secure the Certificate of Eligibility a few months befo re starti ng the house buying proce­dure so that at least one step will al ready be done. Once you get it, put it in the safe deposit box with other important papers because it is the only certificate you get, and tryi ng to replace a lost one is a real problem.

In addition to being eligible, the veter­an must also be qualified , and qualifica­tion standards include the following: at least two years on the job with one com­pany or two years of job related experi­ence , a good credit standing and availa­ble cash (NOT borrowed) for closing costs and prepayable expenses. The amount of outstanding debts that the ve teran has when applying for a VA home loan is also a determining factor, as well as the ability to make the mortgage pay­ments on the desired p roperty. The VA home loan p rogram was designed to help veterans obtain a home. One of the major requ irements is that the property be owner occupied for a reasonable length of ti me. It was not and is not intended as a direct way to obtain rental property.

The Veterans Ho using Act of 1974 pro­vides for reinstatement of previously used entitlement p rovided that the fol­lowing requirements have been met.

1. The previous home, which was purchased using the o riginal entitlement (Certificate of Eligibil ity) has been sold, and

2. The previous VA loan must be paid in fu ll.

23

This allows a veteran to buy a second, third , etc. , home under the VA program. If a veteran purchases a home using the VA program and a second party assumes the loan, eligibility can NOT be reinstated until the above requirements have been met.

Thecurrent interest rate on a VA loan is 8'l!.% , and the rate set forth on the note will remain for the life of the loan . There is no maximum loan amount set by the Veterans Administration, but normally lenders and investors do set a maximum limit. The current maximum loan amount which is recognized by most lenders is $70,000.00 with no down payment and up to $100,000.00 with a small down pay­ment. The maximum loan amount is sub­ject to change , but lenders will be happy to verify the current maximum amount available at any time. No down payment is required under this program provided that the sales price does not exceed the amount of the Certificate of Reasonable Value (VA appraisal) and the loan amount requested does not exceed the lender's maximum loan. The veteran may pay in excess of the appraisal , but this money must be paid in cash by the veteran from his own funds - this amount can NOT be borrowed. Secondary financing is pro­hibited by law on VA home loans. In addi­tion to the general " no down payment" aspect , a VA loan has the advantage of no prepayment penalty, which means the homeowner can payoff the loan as quickly as desired without being penalized for it.

The Veterans' Administration does not actually purchase the property, but guarantees to the lender $17,500.00 or 60% of the loan amount (which ever is the lesser amount) should foreclosure be necessary on the property.

The VA appraisal (Certificate of Reasonable Value) is done by independ­ent appraisers appointed by the Veter­ans' Administration rather than actual employees of the lending company orthe Veterans' Administration . The Veterans ' Administration reviews the appraiser's report and issues the Certificate of Reasonable Value, which is valid for six months. It is also important to know that the buyer is not committed to buying the property if the appraised value of the property is less than the sales price.

In most cases, the only costs that the veteran is responsible for in purchasing a home under the VA program are as fol­lows:

1. No more than 1% loan fee; 2. Re­cording of Deed of Trust and Grant Deed (approximately $10.00) ; 3. Credit Report (approximately $17.50-$25.(0); 4. ALTA Lenders Title Policy (approximately $55.00-$75.(0); 5. Tax impounds (approx­imately 3 to 8 months depending on date loan closes); 6. Fire Insurance Premium (1 year prepaid); 7. Fire Insurance Im­pounds (2 months proration of annual

24

premium); 8. Pro rata of Taxes (Deter­mined by closing date of loan) ; 9. Ad­justed Interest on New loan (Daily in­terest from date of close of escrow to 30 days prior to first payment date); 10. Ap­praisal Fee if ordered for the veteran ($60.00 for single family dwelling).

One aspect of VA loans which often confuses people is the point system. A

point represents one percent of the loan amount. (On a loan of $60,000.00, one point would equal $600.00). Points are necessary for a very simple and basic reason. Points simply increase the yield to the lender. This is not to be confused with increasing the profit to the lender. Banks, savings and loans and other in­stitutional lenders are quite free to fluc­tuate their interest rates to coincide with the current money market. Conversely, FHA and VA lenders ace required by law to maintain their interest rates as set by the federal government. In order to ef­fect the same yield to an investor on a VA loan as he wou Id receive on a conven­tionalloan, points must be charged. The cu rrent rate on a VA loan is 8~ %; the current rate on an 80% conventional loan by most bankers and savings and loans is 9'l!.%. Therefore, a charge of four to five points must be charged in order loobtain the same yield on a VA loan.

When moving to a new area and look­ing for a new home, a good plan might be to find out from various lending institu­tions what current VA points are . As the seller must pay the points on a VA loan, it stands to reason that a seller would be more willing to sell his home under the VA program if points are at two, than he would if points are at five.

Basically the steps involved in obtain-

ing a VA loan are as follows: 1. Find a desired property and present

an offer to the seller. (A real estate agent can help you do this.)

2. Once the offer has been accepted by the seller, find the lender which you wish to go through. (Again , a real estate agent will help you do this too, unless you have a particular lending institution that you

specifically want to use.) 3. At this point the lending institution

will have you fill out various forms, order a credit report and an appraisal on the property. When the loan package is comp lete, it will be submitted to the Vet­erans Administration for approval and subsequently they will issue a Certificate of Commitment.

4. Once the loan package has been submitted to VA, you will need to ob­tain hazard insurance on the property. You will need an actual policy at the time you sign your papers.

5. Lastly, you will need to go to the Title Company to sign all of the legal docu­ments.

This procedure normally takes approx­imately 45 to 60 days.

Under the VA home loan program, a veteran can obtain a loan for a single fam­ily dwelling, a multi-unit dwelling (up to four units), a condominium, a town­house, a mobile home (in some areas) or to refinance property that he already has. The Veterans Administration has set up certain rules and regulations, but each individual's case is different and is considered on an individual basis.

Any specific questions or problems should be taken to a reliable lender, which is what I did for this article. My thanks to Leni Wade of Mortgage Bankers for all her help. 0

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by Carolyn Quinn Real Estate As An Investment Buying a first home is an awesome and

often frightening undertaking. Buying a house as rental property brings with it feelings of uneasiness and uncertainty­" Where will I find renters and will the house endure after the renters have taken possession?" Regardless of the emotional upheaval involved in breaking into the real estate market, people do it everyday. They are wise . A real estate in­vestment offers a return on the investor's money that keeps one step ahead of in fla­tion , which is now approximately six per­cent. To merely break even on a savings account a person should be receiving eight percent interest. Real estate in Monterey at this time is appreciating at about ten percent.

To find out more about real estate as an investment I talked to financial adviser Gregory Fitzpatrick of the Financial Mar­keting Corporation in Monterey. Mr. Fitzpatrick listed the additional advan­tages of this type of investment as lever­age (tying up very little of your own money and therefore being able to make more investments) and tax benefits (de­ductions now and capital gains when the house is sold). One must keep in mind that although interest payments on a mortgage are tax deductible , the interest is money that must be paid during the year and must be planned into the budget.

Before deciding how much a person can afford to spend on a house, he should look at his assets and liabilities and write out a budget to figure out how much of a monthly payment one can handle . A visit to a financial adviser may also be wise at this point. The ideal situa­tion for investing would be one in which the potential investor has $15 ,000 to $18,000 ready cash and no debts , but as with ideals , this is unlikely for most peo­ple. Investments can be made with little money.

If this is the first real estate purchase fo r a buyer or if the buyer is unfamiliar with the area, he may want to deal with two or three real estate agents which will not cost him anything. He may want toturn to

a buying service which will handle all paperwork for a small fee.

Once the buyer chooses a house, he must obtain a loan. This loan may be con­ventional , FHA or VA. The VA loan is the

. most efficient because the buyer is not required to tie up his cash in a down payment. However, some home owners are not willing to sell their home to someone who plans to obtain a VA loan, and some lending institutions are not wil­ling to lend on a VA basis . The reason for this is that the government fixes the in­terest rate which may be charged on the loan at about one percent below the cur­rent interest rate being charged for con­ventional loans. To compensate for this one percent loss, the lending institution charges " points" which are a percentage of the purchase price of the house. The

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amount of points charged changes con­stantly, and the pOints must be paid by the seller.

When a loan is agreed upon, the lend­ing institution will or should offerthe op­tion of an impound account. This means

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25

that the lending institution will pay the property taxes and home owner's insur­ance for the buyer. The buyer merely pays an extra amount of money each month along with his mortgage payment to the lending institution which will put this extra money into an impound ac­count until the taxes and insurance pay­ments are due. However, the buyer does not always receive interest on this im­pound account. If the buye r is d isciplined enough to save his own money to pay taxes and insurance, he shou ld do so, since he will receive interest on the money if he puts it in a savings account.

When the buyer has received a loan commitment and is ready to settle on the house, he should have from $1000 to $3000 at his disposal to cover closi ng costs . The amount needed will vary from state to state and will depend on the pur­chasing circumstances. There are times when a seller, particula rly a builder, will pay part of the closing costs for the buyer. Also before settling the buyer shou ld have the house inspected for termite damage and dry rot. If there are problems with the house, the buyer shou ld discuss these with the seller and sett le on a solu­tion wherein either the seller repairs the damage or lowers the price of the house.

After purchasing a house the owner must wait a fu ll year before selli ng it to avoid paying tax on 100 percent of the capital gains. Tax may be deferred by a military person if he sells his residence and purchases another of higher value within four years. This is not tru e for ren· tal property in which case taxes must be paid on any profit in the year the rental is sold.

There are other types of real estate in· vestments besides " active management" or purchasing homes. There is " passive management" which includes partner· ships and syndication. This type of in­vestment is more complicated and re· quires some knowledge of the real estate business, but they can be good ways of getting your money into the lucrative real estate market.

Another type of investment is land purchase . However, in most cases, pur· chasing unimproved land for speculation is not a wise investment. It may not be marketable later, and the purchaser must continue to pay property taxes without any income until he can sell it. Purchasing land with the idea of building a home is a good investment as the land will probably cost more later when the purchaser is ready to build.

These are just a few of the ways to in­vest in real estate. Investors usually begin with a home and work up from there to a single rental , duplex, apartment com­plex , business buildings, etc. Each purchase comes easier than the one be· fore because the buyer has more experi­ence and more capital . So , don' t be afraid to take that first step . 0

26

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"Authentic Szechwan food on the Monterey Peninsula? Emphatically YES! at The FORTUNE COOKIE RESTAURANT in Monterey. If you've never tried this special cooking (far more flavorsome than the better known Cantonese), now you know where to find it:' GADABOUT

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Having bought three houses and sold one, I am no longer a novice regarding real estate. To go along with the rest of these informative articles, I would like to add a few odds and ends of wisdom I have learned along the way.

First of all , if possible, try not to be forced into a position where you have only a few days to buy a home in a totally strange town. I know this is a common situation but too often it leads to disap­pointment later when you find a part of town you would have preferred living in or you realize you could have gotten a much better buy if you had only had more knowledge of prices in the area.

There are several ways to avoid this. First, and in any case, if you know some­one who has or is living in your prospec­tive home area, ask them where they would live. Keep in mind their life style and how it relates to yours. If it is possible to make some house-hunting trips to the new area before you move, by all means do so. Remember, bona fide house-hunting expenses are deductible even if you do not itemize and even if you don't find anything. Check out all areas within commuting distance and look at prices .

besides sheer luck to be aware of any really good deals that COme up for sale. You must be in a position to put in a bid on such a place as soon as possible. And if you aren 't familiar with the area , you won' t realize that it is a bargain , and if you aren' t in the area, you won' t have enough time to check out the place and put in your bid before it is already sold. Again , I realize renting for a short period of time

A Few Tips by Nancy Lemke

ers to buy a house, it is not uncommon for it to take up to three months for the sale to go through so that you can move in . If you are already in the area, you will have to have temporary housing anyway.

Many people are thrilled by the idea of owning a brand new house, so they won' t have to live in someone else's dirt, and

Ideally, if you can tolerate the inevita­ble hassles, rent a furnished apartment in the area for a few months to really learn the town well. This is also the only way

Remodeling an antiquated kitchen an be part of the fun and challenge of acquiring renul property.

can be difficult, especially if you have children in school. However, you must realize that even after you sign the pap-

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they can make the house suit them. These definitely are advantages, but you should also be aware of a new home' s disadvantages. The hidden costs in a new home can be astronomical. Although the builder of new homes will often save you from paying some of the closing costs, you can easily spend more than what he saves you on incidentals such as curtain rods, hooks , shelving, grass seed, fer­tilizer, etc. Have you priced curtains for a whole house lately I And , you knowthose beautiful , thick carpets and lovely wall­paper you admired in the model homel Those are usually not what your home comes with . To upgrade the carpets and wallpaper the house can cost you well over $1 ,000. And the trailer in your new neighbor's front yard you thought he was just unloadingl Wrong, that' s where he

27

parks it. Also, nothing says that your neighbors are going to landscape their yards. They may throw out a handful of grass seed and call it done. These prob­lems are , of course , not always existant. Some new developments come land­scaped and with curtains, but these are facts you shou ld make sure of. At least when you buy a home in an establ ished neighborhood you can see how your prospective neighbors keep their yards and what comes with the house you are buying.

There are several new types of mort­gage loans that are becoming available. Some allow lower mortgage payments at first and then increase after a few years when , hopefully, your income will be higher also. The Navy Federal Credit Union will be offering mortgage loans for the first time this year in certain areas. Check into these possibilities when you are house-hunting. Better yet, look into them before you go, so you will be pre­pared when you go to finance you r home.

Do not be afraid of renting a home you own . We have all heard horror stories about tenants tearing a house apa rt and not paying their rent. Sure, this does happen. But if you are in the area where

28

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you can watch the p lace yourse lf , or you have a reliable agent , these risks can be minimized. The advantages are many. Even if the rent does not cover you r pay­ments, the tax deductions and apprecia­tion can be worth what might seem to be a month· to-month loss.

Last year we bought a fixer-upper (un­derstatement of the year) which we rent out. Besides the investment value, we have the fun and feeling of accom· plishment gai ned f rom doing a lot of fix­up work ou rselves and seeing the house turn from a disaster into a nice p lace. This may not appeal to you , but forthose who enjoy wallpapering and carpentry (espe­cially when yo u are in quarters and can ' t do anything where you live) this can be a great way to fulfi ll yourself and earn some extra money.

Overall , be aware that rules regarding real estate change drastically from state to state. For examp le, Califo rnia is an es­crow state; Virginia is not. In Virginia closing costs are higher because the paperwork is done by an atto rney instead of an escrow company. VA loan rules vary f rom place to place. Housing markets vary tremendously. In some places that are sellers' markets (such as Monterey) VA loans are rarely possible because of the added expense to the seller. I ran into trouble by assuming a power of attorney wou ld let me close a house purchase while my husband was overseas. Not all lendi ng institutions accept this.

Check and check again into all aspects of real estate. It can be very interesting. Also, since homes are the largest invest­ments most of us will make, we should be very careful about them. 0

SUMMER FUN FOR PRESCHOOLERS

The Navy Nursery School Annex, lo­cated at Fleet Numeriql Weather Central on Airport Road three blocks from the Fairgrounds, will have a Summer Fun program for potty-trained 3 to 5 year­olds. The Summer Fun program will place emphasis on social contact and summer­time activities and include seve ral fie ld trips. The program will begin July 10th and run through August 18th from 9 a. m. to 12 noon.

The fees are : $26 for the 2-day program (Tues. & Thurs.).

$39 for th e l -day program (Mon., Wed. & Fri.).

The fee must be paid in advance, and there will be a non refundable deposit of $5.00. Reservations are taken on a first come , fi rst served basis with each session limited to 50 children.

To obtain an enrollment form or further information, call Carol Sherfesee, 375-1629, or Yvonne Frame, 649-6764. 0

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