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Milwaukee Information Guide [ 5

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] Milwaukee Information Guide 6

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Milwaukee Information Guide [ Volume 11 [ Number 4

LOCAL INFORMATION

The State of Wisconsin 6Area Codes, Important Phone Numbers 13-14Weather 14Travel Information 15-16Milwaukee Overview 9-10

Historical Background 10Milwaukee Neighborhoods 11Cultural Attractions 17-18Sports & Recreation 18Media 19

MOVING

Smooth Transitions 23-24Choosing a Moving Company 23Packing Tips 24-24Staying Organized 24Settling Into Your New Home 24

What’s All the Talk About? 27Pre-Move Checklist 28-29Relocating Your Pet 30

MOVING WITH CHILDREN

Reinforce the Positives 31-32Choosing a School 31-32

Selecting Child Care 31-32Education 34-37

FITNESS & HEALTH

In the Kitchen 39Physical and Mental Well Being 40-42Volunteering 43

HOUSING

Making the Right Choice 45-46Choosing the Right Home 47Home Inspection Checklist 48Homecare Basics for New Homeowners 49Security 50Take Control of Your Energy Costs 51Home Buyer’s Glossary 52-53Who’s Who in Building 54Selecting a Builder 55Selecting a Contractor 56Banking & Mortgage Information 57-60

BUSINESS DIRECTORY

Business Directory Listings 61-66

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T H E S T A T E O F W I S C O N S I N

The state of Wisconsin is located in the upper Midwestregion. Wisconsin is bordered by the states of Iowa,Minnesota, Michigan and Illinois, as well as Lakes Michigan

and Superior. Today 42.6% of the population is of German ancestry,making Wisconsin one of the most German-American states in theUnited States, although there are many other major ethnic groups,including one of the larger Hmong populations in the nation.

Since its’ founding, Wisconsin has been ethnicallyheterogeneous, with New Englanders being among the first toarrive; for many years they dominated the state’s industry, finance,politics and education. Large numbers of European immigrantsfollowed them, including Germans, mostly between 1850 and1900, Scandinavians and smaller groups of Belgians, Swiss, Finns,Irish Catholics and others; in the twentieth century, large numbersof Polish and African-Americans arrived in the state.

Wisconsin's rural economy was originally based on furs; in the19th century, emphasis shifted to mining, lumber, farming, dairy,and tourism. Large-scale industrialization began in the late 19thcentury in the southeast of the state, with the city of Milwaukee asits major center. In recent decades, service industries, especiallymedicine and education, have become dominant. Wisconsin'slandscape, largely shaped by the Wisconsin glaciation of the last IceAge, makes the state popular for both tourism and many forms ofoutdoor recreation.

The economy of Wisconsin is driven by agriculture, healthcareand manufacturing. Although manufacturing accounts for a fargreater part of the state's income than farming, Wisconsin is usuallyrecognized primarily as a farming state. Wisconsin produces moredairy products than any other state in the United States except

California, and it leads the nation in cheese production. AlthoughCalifornia has overtaken Wisconsin in the production of milk andbutter, Wisconsin still produces more milk per capita than any otherstate in the Union. In addition to dairying, Wisconsin ranks first in theproduction of corn for silage, cranberries, ginseng, and snap beansfor processing. Wisconsin is also a leading producer of oats,potatoes, carrots, tart cherries, maple syrup, and sweet corn forprocessing.

Given Wisconsin's strong agricultural tradition, it is not surprisingthat a large part of the state’s manufacturing sector deals with foodprocessing. Some well known food brands produced in Wisconsininclude Oscar Mayer, Tombstone and Jack’s frozen pizza, andJohnsonville Bratwursts. Kraft Foods alone employs over fivethousand people in the state. Milwaukee is a major producer of beerand the home of Miller Brewing Company’s world headquarters, thenation's second largest brewer.

Wisconsin is represented by major league teams in the threemost popular spectator sports in the United States: Americanfootball (Green Bay Packers), baseball (Milwaukee Brewers), andbasketball (Milwaukee Bucks). The Green Bay Packers have beenpart of the National Football League since the league’s secondseason in 1921 and currently hold the record for the most NFL titles,earning the city of Green Bay the nickname “Titletown”.

Fun FactsPOPULATION: 5,536,201 ( in 2005)

CAPITAL: Madison

LARGEST CITIES: Madison, Green Bay, Milwaukee

AREA: 65,498 sq mi

HIGHEST POINT: Timms Hill 1,951 ft

LOWEST POINT: Lake Michigan 579 ft

NICKNAME: Badger State

STATE MOTO: Forward

STATE SALES TAX: 5%

AVR PERSONAL INCOME: $32,157 in 2004

WEB SITE: www.wisconsin.gov

Chicago

Minneapolis/St. Paul

Milwaukee

Madison

IN

MI

IL

WI

IA

MN

OVERVIEW

A B O U T M I L W A U K E E


Nestled on the western shores of Lake Michigan, Milwaukee blends small towncharm and big city variety offering a wealth of business and social opportunities.The Milwaukee metropolitan area includes the four counties that surround the city -

Milwaukee, Ozaukee, Washington and Waukesha. Nearly 1.5 million people live in the four-county region, which makes it the 36th-largest metropolitan area in the country. Yet natureis always close by - whether you want to sail on Lake Michigan or hike a bluff carved outby glaciers more than 11,000 years ago.

For festivals and fun, Milwaukee can’t be beat. From May through September the cityvibrates with a dizzying array of activities, including parades, music festivals, ethniccelebrations and church socials, bicycle races, sailing regattas, block parties and art fairs.

Sports fans can attend professional basketball, baseball, soccer, hockey and arenafootball games, or they can watch Marquette University or University of Wisconsin-Milwaukee’s basketball teams battle their NCAA opponents.

Theater, dance and opera companies keep the stages filled. And there are dozens ofsmall clubs offering a variety of music, including blues, jazz, swing and rock ‘n’ roll. If yourmusical tastes are more classical, you might enjoy a night with the Milwaukee SymphonyOrchestra or an afternoon of chamber music.

The festival park is used to stage the many events organized by local ethnic groups,including Festa Italiana, German Fest, Irish Fest, Mexican Fiesta, African World Festival,Indian Summer, Asian Moon, Polish Fest and Arabian Fest.

Milwaukee is served by a modern airport, an excellent highway system and major busand rail terminals. The city is 93 miles from Chicago, 80 miles from Madison, 277 miles fromIndianapolis, 326 miles from the Twin Cities and 511 miles from Pittsburgh. Interstate 94connects Milwaukee with Chicago to the south, Madison to the west and the Twin Cities tothe northwest. Interstate 43 originates in Green Bay, crosses through Milwaukee and endsjust north of Rockford, Illinois. Interstate 894 bypasses the downtown, routing traffic aroundthe south and west sides of the city.

Milwaukee: A Family DestinationMilwaukee is the ideal destination for families - the Genuine American City is affordable,

friendly, easily accessible and safe. A multitude of attractions awaits the visitor! Experiencethe Milwaukee Public Museum, the Humphrey IMAX Dome Theater, Discovery World-TheJames Lovell Museum of Science, Economics & Technology, the Milwaukee County Zoo,Paradise Landing (indoor water park), the Betty Brinn Children’s Museum, the InternationalClown Hall of Fame, the Pettit National Ice Center, the Schlitz Audubon Center and MillerPark.

Milwaukee Embraces & Celebrates its DiversityMilwaukee is a kaleidoscope of cultures that influence an eclectic array of restaurants, art

galleries, museums and performance art throughout the area. Points of historic interest richin cultural diversity are also abundant in Milwaukee. Among them, America’s BlackHolocaust Museum houses books on slavery and racism, paintings, photographs oflynchings and slave artifacts from Africa and the United States. The Wisconsin BlackHistorical Society Museum chronicles the lives and contributions of African Americans toMilwaukee and the state of Wisconsin.

MILWAULKEEDEMOGRAPHICS

Population: 1.7 million

Male: 47.02%Female: 52.98%Median Age: 34.6

Ethnic Make-up:African American: 37%Hispanic: 6%White/Caucasian: 50%

Other: 7%

Median Household Income: $29,996

Cultural Index: 112.0

continued on page 10


O V E R V I E W

H I S T O R I C A L B A C K G R O U N D

Genuine American HistoryLong before the first settlers came to this area, the Algonkian

Indians had a special name for the land: Millioki, which means“gathering place by the waters.” The Indians may have picked thename because they used the area for tribal gatherings or becausethey observed how three rivers (the Menomonee, the Kinnickinnicand the Milwaukee) met before flowing into the waters of Lake Mie-sit-gan (Michigan).

In 1813 French-Canadian entrepreneur Solomon Juneau arrivedin Milwaukee and established the American Fur Company in theheart of downtown. Following in 1834 Milwaukee’s two otherfounding fathers arrived. George Walker settled south of theMenomonee’s mouth, and Byron Kilbourn saw the westside of theriver as a place to make his fortune.

The three founding fathers did not see eye-to-eye and the resultsof this rivalry are evident today in downtown streets. Each settlerpurposely built their streets not to match with the rival’s streetsacross the rivers. Later, when bridges were built, they had to beconstructed at oblique angles to connect the roadways. In 1846,after a decade of disagreements, the three men put aside theirdifferences and joined forces to incorporate the City of Milwaukee.

Today, Milwaukee is the 19th largest city in the United States,with a population of 596,974 in the city and 1.5 million in themetropolitan area. Bordering the western shore of Lake Michigan,just 90 miles north of Chicago, metropolitan Milwaukee offersurban, suburban, ethnic neighborhoods, waterfront, industrial andrural settings within minutes of each other. Milwaukee’s skilledworkforce, concentration of industry, cultural resources andeducational institutions all make it one of the nation’s majormetropolitan areas.

Over $2 billion in development is currently taking place aroundthe city. Much of this growth and development has been fueled bythe addition of the Midwest Airlines Center, a $170 millionconvention facility located in the heart of downtown that combines

avant-garde technology with impressive artwork, bringing scienceand culture together in a remarkable synthesis.

2001 marked the successful completion of two much anticipatedand celebrated projects in the Genuine American City. Miller Park,the new home of the National League Milwaukee Brewers, openedin April to sellout crowds. This $400 million, one-of-a-kind ballparkfeatures a convertible roof and natural grass and offers the finest inballpark amenities including places to tailgate along theMenomonee River, a sports-themed restaurant, and the “HotCorner” featuring a display showcasing Wisconsin baseball since1900.

Also completed in 2001 was the $100 million renovation andexpansion of the Milwaukee Art Museum. Designed by world-renowned architect Santiago Calatrava, this addition includes adramatic wing-like sculpture rising high above the city’s lakefrontlike a bird taking flight, the Cudahy Gardens— an elegant publicspace complete with fountains surrounding the facility, a restaurant,and a 300-seat auditorium. This monumental project, an integralcomponent of Milwaukee’s current citywide cultural renaissance,was named the Best Design of 2001 by Time Magazine and hasliterally changed the personality and image of Milwaukee, giving thecity an icon for the world to see.

Yet Milwaukee’s big-city advantages are enhanced by a friendlysmall-town spirit and Old World charm. The city’s neighborhoodsweave a patchwork of diversity, as characteristics of the Germanheritage blend with influences of many other cultures. Italian, Irish,Polish, African American, Hispanic neighborhoods with ethnicrestaurants and shops make up the fabric of Milwaukee. Churches,neighborhood shops, Victorian worker’s cottages and industrialists’castles abound and lend their neighborhoods a venerable air. In theface of all the progress, the traditions and values that makeMilwaukee the Genuine American City remain constant. Thestrongly held ideals of family, ethnic and cultural diversity, and warmhospitality make Milwaukee the genuine destination.

Milwaukee embraces its multi-cultural heritage. You will findrestaurants, museums, cultural attractions, festivals, recreation andneighborhoods that showcase many ethnic groups in GreaterMilwaukee.

Accommodations

Greater Milwaukee is home to some of the Midwest’s finesthotels, as well as a delightful cross section of otheraccommodations – from campgrounds to bed & breakfasts, motorlodges to full-service resorts. Choose the property that best fits yourneeds and experience Milwaukee’s Genuine American hospitality.

Dining & Nightlife Milwaukee is renowned for its fine ethnic cuisine! There is

something to tantalize any taste – from German, to Italian, French,

Irish, Mexican, Indian, Greek and English, to brats, burgers andfrozen custard. You are certain to find a spot that satisfies yourcraving – the choice is yours.

ShoppingYou’ll find an exciting variety of shopping choices in the Genuine

American City. The Greater Milwaukee area abounds witheverything from quaint specialty shops, artisans’ villages and one-of-a-kind galleries to malls and outlet stores. Choose from the manyunique shopping options available.


M I L W A U L K E E N E I G H B O R H O O D S

Choosing where to live may be one of the most difficult decisionsthat you will have to make. There are more than 90 communities inthe five-county metropolitan area, each with its own distinctadvantages. One of your primary considerations will likely be findinga home near where you or your spouse will work. Fortunately,Milwaukee’s average commute time is among the lowest in thecountry, which means it is possible to live anywhere in themetropolitan area and still be close to the urban amenities ofdowntown Milwaukee.

Milwaukee’s historical fabric is woven with many diverseneighborhoods. Charming historic and ethnic neighborhoods retainsome of the traditions of yesterday, while at the same timereinventing themselves into trendy new ones with restaurantsserving mouth-watering meals from just about any country andregion you can name, and shopping ranging from traditional ethnicbakeries to eclectic boutiques.

Historic Brady StreetHistoric Brady Street was an early Milwaukee neighborhood that

served as the main street for its immigrant community of Irish,German and Polish settlers during the 1840s, with the ethniccharacter of the area changing predominantly to Italian during the1930s and 1940s. During the ‘60s and early ‘70s it became thehangout for Milwaukee’s “flower power” movement and variousunderground newspapers.

This diverse community near downtown Milwaukee and withinwalking distance of the shores of Lake Michigan is now one of thetrendiest neighborhoods in Milwaukee with various ethnicrestaurants, pubs and coffee shops and small, hip cafes andspecialty food shops. The street is known for its unique mix ofeclectic shops. Plan a visit to Brady Street soon, sample its wares,shop its stores, view its art, and savor the flavor that is uniquelyBrady Street.

Walker’s PointWalker’s Point, listed in the National Register of Historic Places as

Milwaukee’s first National Historic District, and coined “Milwaukee’soldest neighborhood,” today is a neighborhood with a skylinedominated by steeples, and an assortment of historic homes, artgalleries, and a mouth-watering variety of ethnic restaurants.Located in Walker’s Point is one of Milwaukee’s most notablelandmarks, the Allen-Bradley building, which has resting at its top,the largest four-sided clock in the world, according to the GuinnessBook of World Records. Walker’s Point has a very vibrant Latinocommunity, offering many Mexican and Caribbean dining options.Stop in at one of these popular establishments and enjoy some ofthe best food in the city.

Historic King DriveHistoric King Drive’s neighborhood roots go back to the mid-

1800s, when the area was settled by German immigrants who builthomes, churches and schools there. By the early 1900s, thesefounding German families began moving to newer neighborhoods,making room for a new diversity that filled the district. New ethnicgroups moved into the neighborhood and among them were the

first African American families. These new African American familiesfollowed the community-building pattern of their predecessors,establishing new churches and business, and creating aneighborhood with a new distinct cultural flavor.

Historic King Drive continues to thrive with over $51 milliondollars invested in the neighborhood during the past four years, and$110 million work of development planned between 2000 and2005, including the Harley-Davidson Museum, which will showcasethe Harley-Davidson motorcycling experience through an interactivemuseum and exhibits and presentations about Harley-Davidsonhistory and culture and lifestyle.

Historic Third WardHistoric Third Ward is a turn-of-the-century neighborhood filled

with historical ambiance and architecture. A former wholesale andmanufacturing district first settled mostly by Irish immigrantlaborers, and later replaced by an Italian community, today the areais experiencing a renaissance as a revitalized mixed-useneighborhood. The Historic Third Ward has a high concentration ofart galleries, antique shops, restaurants, unique specialty stores, theBroadway Theater Center, the Milwaukee Institute of Art & Design,and the William F. Eisner Museum of Advertising & Design. Apedestrian-friendly neighborhood, the Historic Third Ward offers awalking tour that will take you on a journey of a vibrantneighborhood where past and present meet.

Old World Third StreetOld World Third Street’s strong German heritage is retained in this

historic neighborhood, however, other ethnic communities havefound a home there recently. In addition to world-famous Mader’sGerman Restaurant and Usinger’s Sausage, you will find African HutRestaurant, the Milwaukee County Historical Center, The SpiceHouse and more lining the old-world cobblestone streets.

East TownEast Town is an exciting vibrant community located just east of

the Milwaukee River in the heart of downtown Milwaukee. Locatedin the Downtown Theater District, East Town plays host to some ofthe most popular productions in the country. There’s everythingfrom ballet, art exhibits and award-winning orchestras to some ofthe top nightlife spots in the Midwest. And for families, there is theBetty Brinn Children’s Museum. You can treat yourself to someamazing shopping in East Town, as well as the country’s largestcelebration of the French culture, Bastille Days, a three-day streetfestival complete with fabulous cuisine, great music and dancing,and specialty shopping.

WestownThe Westown neighborhood is a major part of Milwaukee’s

central business district. Westown is home to Milwaukee’s premiereconvention facility, the Midwest Airlines Center, conveniently locatedwithin walking distance to shopping, dining, nightlife and hotels.Westown also includes the Milwaukee Public Museum, theHumphrey IMAX Dome Theater, Discovery World Museum, TheShops of Grand Avenue and the Milwaukee RiverWalk.


N A T I O N A L H E A L T H O R G A N I Z A T I O N P H O N E N U M B E R S

National Health Organization Simply dial plus the number below 1-800-*…

Allergy Asthma & Allergy Foundation of America (AFFA) 727-8462

CancerAmerican Cancer Society 227-2345American Institute for Cancer Research. 843-8114Leukemia and Lymphoma Society of America 955-4572National Cancer Institute (CIS) 422-6237Skin Cancer Foundation (SCF) 754-6490

Children’s Health American SIDS Foundation 232-7437Cystic Fibrosis Foundation (CFF) 344-4823Juvenile Diabetes Research Foundation 223-1138Sudden Infant Death Syndrome (SIDS) Alliance 221-7437National Reye’s Syndrome Foundation, Inc. 233-7393Spina Bifida Association of American 621-3141

Infectious Diseases AIDS Hotline, CDC National, National STD Hotline 342-AIDS(Spanish) 344-7432(Hearing Impaired) 243-7889

Internal MedicineAmerican Diabetes Association 232-3472American Heart Association 242-8721 or 968-1793American Kidney Association 638-8299American Lung Association 586-4872Arthritis Foundation 283-7800Crohn’s and Colitis Foundation of America, Inc. 932-2423Lupus Foundation of America 558-0121National Kidney Foundation 622-9010Spondylitis Association of American (SAA) 777-8189

Mental HealthNational Alliance for the Mentally Illness (NAMI) 950-6264National Down Syndrome Society 244-4444National Mental Health Association Resource Ctr 969-6642

Neurology National Alzheimer’s Association 272-3900Christopher Reeve’s Paralysis Foundation 225-0292American Parkinson Disease Association 223-2732Epilepsy Foundation of America. 332-1000United Cerebral Palsy Associations (UCPA) 872-5827Huntington’s Disease Society of America 345-4372Brain Injury Association of America Family Hotline 444-6443National Headache Foundation 843-2256National Multiple Sclerosis Society 344-4867National Stroke Association 787-6537

Patient CareMedic Alert Foundation U.S. 863-3425 or 432-5378National Hospice Organization 658-8898Shriner’s Hospital Referral Line 237-5055Visiting Nurse Association of America 426-2547

Physical Disabilities American Council of the Blind. 424-8666American Speech/Language/Hearing Association 638-8255National Easter Seals Society 221-6827

Woman’s HealthEndometriosis Association. 992-3636Y-ME National Breast Cancer Organization. 221-2141

*This is a Toll-Free Number!This is only a partial list of national health organizations.Contact the National Health Information Center (NHIC)at (800) 336-4797 for a more complete list.

NOTE: This general information is not intended to replace the advice of a medical professional as it relates to your specific situation.

I M P O R T A N T P H O N E N U M B E R S

City Area CodesThe area code for Milwaukee is 414.

If the phone number you’re searching for is not listed below, call(414) 555-1212.

Emergency All Emergencies (Fire, Police, Ambulance) 911Crisis Pregnancy Center (800) 395-4357Emergency Crisis Hotline 257-7222, (TTY-TTD) 257-6300Poison Control Center of Eastern Wisconsin (414) 266-2222

Non-Emergency

PoliceCampus Police 229-4627Milwaukee Police next day concerns 933-4444Milwaukee Police business phone 935-7252Shorewood Police 332-0595

Financial ServicesAutomatic Teller InformationATM Locator (800) 248-4286MasterCrd ATM (800) 424-7787VISA Plus System (800) 843-7587

Lost or Stolen Credit CardsAmerican Express (800) 233-5432AT&T Universal Card (800) 423-4343Diners Club (800) 234-6377Discover Card (800) 347-2683JCB (800) 736-8111MasterCard (800) 826-2181VISA (800) 336-8472Lost or Stolen Travelers ChecksAmerican Express (800) 221-7282Thomas Cook MasterCard (800) 223-7373Travelers Check Customer Service (800) 645-6556VISA (800) 227-6811

Government NumbersInternal Revenue Service (800) 829-1040Milwaukee District Attorney’s

Sexual Assault Counseling Unit 278-4617 Social Security Administration (800) 772-1213

Motor VehiclesAll motor vehicles must be registered with the State of Wisconsin.

Applications for a certificate of title and registration may be obtainedby calling the WISDOT Information Center at (414) 266-1000, or byvisiting one of the local DMV offices or emission testing stations inthe metropolitan area. The application, fees and out-of-state-title toyour vehicle may be mailed to the Wisconsin Department ofTransportation (WISDOT) P.O. Box 7949, Madison, WI 53707, oryou may visit one of the local DMV offices in the metropolitan areato have your application processed for an additional $5.00 servicefee.

Driver’s LicensesAll drivers in Wisconsin must be licensed by the state after their

residency is established. Drivers possessing out-of-state licensescan apply for a Wisconsin license by bringing their existing driver’slicense, another document with their name and signature, andproviding their Social Security number to a WISDOT customerservice center. A vision test is required.

Motor Vehicle StationsDowntown: 819 N. 6th St., MilwaukeeNortheast: 6073 N. Teutonia Ave., MilwaukeeNorthwest: 7301 W. Mill Rd., MilwaukeeSoutheast: 1835 E. College Ave., South MilwaukeeSouthwest: 5500 W. Grange Ave., GreendaleWaukesha: 400 S. West Ave., WaukeshaRacine: 9531 Rayne Rd., Sturtevant

Support NetworksTeen Link (Various Topics) (800) 235-9678Crisis Pregnancy Center (800) 395-4357

ServicesDirectory Assistance 411AIDS Resource Center 273-AIDSAlcohol & Drug Help/Treatment Help Line (800) 234-0420Child Protective Services (800) 797-3260

(report abuse and neglect)Crisis Pregnancy Center (800) 395-4357Crisis Response (888) 820-6333Friends of Battered Women and Their Children (800) 603-HELPDomestic Violence Unit Hotline 933-2722National Child Abuse Hotline (800) 252-2873National Crisis Hotline (800) 999-9999 National Runaway Switchboard (800) 621-4000

24-hour hotline to link runaways to social service agencies or to their families. Confidential.

National Suicide Hotline (800) 333-4444 National Sexually Transmitted Disease Hotline (800) 227-8922Norris Health Center 229-4716Rape Crisis Center (888) 820-6333Residence Hall (professional staff) 229-6589Sexual Assault Treatment Center 937-5555Suicide Helpline 271-3123Teen Link (Various Topics) (800) 235-9678Teen Health InfoLine (800) 998-3600Women’s 24 hour Crisis Line 937-5463 Women’s Resource Center 229-2852



I M P O R T A N T P H O N E N U M B E R S

Shipping & Postal ServicesAirborne Express (800) 247-2676 DHL Airways (800) 225-5345 Emery Worldwide (800) 443-6379 Federal Express (800) 463-3339UPS (800) 742-5877

UtilitiesUtility connections can take one week to one month to complete

from the time you place the order. As a result, arrangements forutility connections should be made well in advance of your move.

ElectricityWisconsin Electric 221-3333Wisconsin Electric - Wisconsin Gas (800) 242-9137, 221-2345

GasWisconsin Gas, a Wicor Company 385-3500, (800) 242-4035Wisconsin Electric - Wisconsin Gas (800) 242-9137, 221-2345

TelephoneSBC (800) 924-1000 TDS Telcom (262) 539-2115


W E A T H E R

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Average High 30.1 40.4 52.9 52.9 64.3 75.9 79.9 77.8 70.6 58.7 44.7 31.2

Average Low 15.9 26.2 35.8 35.8 44.8 55.0 62.0 60.8 52.8 41.8 30.7 17.5

Average Precipitation 1.5 2.7 3.5 3.5 2.8 3.3 3.5 3.5 3.4 2.4 2.5 2.3

Temperature in degrees F, precipitation in inches


T R A V E L I N F O R M A T I O N


AirportGeneral Mitchell International Airport 747-53005300 South Howell [email protected]

General Mitchell International Airport (MKE) is a medium-hubairport owned and operated by Milwaukee County. Mitchell’s 14airlines offer roughly 220 daily departures (plus 220 daily arrivals).Approximately 90 cities are served nonstop or direct from MitchellInternational. It is the largest airport in Wisconsin. Please note thatthe airport’s terminal building is open 24 hours per day, however,airline ticket counters are not open 24 hours.

Airlines - Domestic AirTran Airlines, airtran.com (800) 247-8726Alaska Airlines/Horizon Air, alaskaair.com (800) 252-7522Allegiant Air, allegiantair.com (800) 432-3810American Airlines, aa.com* (800) 433-7300Atlantic Southeast, flyasa.com (800) 282-3424Comair, comair.com (800) 221-1212Continental Airlines, continental.com* (800) 525-0280Delta Airlines, delta.com* (800) 221-1212Frontier Airlines, frontierairlines.com (800) 432-1359Hawaiian Airlines, hawaiianair.com (800) 367-5320JetBlue Airlines, JetBlue.com (800) 538-2583Midwest Airlines, midwestairlines.com (800) 452-2022Northwest Airlines, nwa.com* (800) 225-2525SkywestAirlines, skywest.com (800) 453-9417Southwest Airlines, southwest.com (800) 435-9792Spirit Airlines, spiritair.com (800) 772-7117SunCountry Airlines, suncountry.com (800) 359-6786United Airlines, ual.com* (800) 864-8331US Airways, usairways.com* (800) 428-4322Virgin Atlantic, virgin-atlantic.com (800) 862-8621

*Airlines Service Provided

Airlines - International Aer Lingus, aerlingus.ie (866) 886 8844Aeroflot, aeroflot.aero/eng (650) 615-9278Aeromexico, AeroMexico.com (800) 237-6639Aerolineas Argentina, aerolineas.com.ar (800) 333-0276 Air Canada, aircanada.ca* (800) 247-2262Air China, airchina.com (800 )986-1985Air France, airfrance.com (800) 237-2747Air India, airindia.comAir Jamaica, airjamaica.com (800) 523-5585Air New Zealand, airnewzealand.com (800) 262-1234Alitalia, alitaliausa.com (800) 223-5730Asiana, us.flyasiana.com (800) 227-9262British Airways, british-airways.com (800) 247-9297Cathay Pacific Airways, cathaypacific.com (800) 233-2742China Airlines, china-airlines.com (800) 227-5118China Eastern Airlines, flychinaeastern.com (800) 200-5118

Egypt Air, egyptair.com.eg (800) 334-6787El Al, elal.co.il (800) 223-6700 Eurofly, eurofly.it (800) 477-6492 Eva Airways, evaair.com (800) 695-1188Japan Airlines, jal.co.jp/en (800) 525-3663KLM Airlines, klm.com (800) 374-7747Korean Air, koreanair.com (800) 438-5000LACSA, centralamerica.com/cr/lacsa/lacsa (800) 225-2272LOT Polish, lot.com (800) 223-0593Lufthansa, lufthansa.com (800) 645-3880Mexicana, mexicana.com (800) 531-7821Philippine Airlines, philippineairlines.com (800) 435-9725Quantas, qantas.com (800) 227-4500 Singapore Airlines, singaporeair.com (800) 742-3333Skyservice USA, skyserviceairlines.com (877) 485-6060Swissai, swiss.com (800) 221-4750 TACA, taca.com (800) 535-8780USA 3000 Y Airlines, usa3000.com* (800) 872-3000

*Airlines Service Provided

BusesBadger Coaches (414) 276-7490

Serving Johnson Creek and Madison Public Transit (414) 344-6711

Serving Milwaukee County (MCTS Route 80 serves the airport) Coach USA, wisconsincoach.com (262) 542-8861

Serving Milwaukee, Waukesha, Racine, and Kenosha Counties,O’Hare and Midway airports

Cruises/ResortsDisney World Reservations (800) 227-1500Holland America Cruises (800) 426-0327Princess Cruises (800) 774-6237Royal Caribbean International (800) 327-6700

Hotels/MotelsBest Western (800) 528-1234Budgetel Inns (800) 428-3438Clarion Hotels (800) 424-6423Comfort Inns (800) 424-6423Courtyard by Marriott (800) 321-2211Days Inn (800) 329-7466Doubletree Hotels (800) 222-8733Econo Lodges (800) 446-4777Embassy Suites (800) 362-2779Fairmont Hotels (800) 527-4727Four Seasons (800) 332-3442Hilton Hotels (800) 445-8667Holiday Inns (800) 465-4329Howard Johnson Motor Lodges (800) 654-2000Hyatt Hotels (800) 233-1234La Quinta Motor Inn (800) 531-5900


T R A V E L I N F O R M A T I O N

Loews Hotels (800) 223-6397Marriott Hotels (800) 228-9290Meridien Hotels (800) 543-4390Omni International (800) 843-6664Quality Inns (800) 228-5151Radisson Hotels International (800) 333-3333Ramada Inns (800) 228-2828Red Roof Inns (800) 843-7663Ritz Carlton Hotels (800) 241-3333Sheraton Hotels (800) 325-3535Stouffer Hotels (800) 468-3571Super 8 Motels (800) 800-8000TraveLodge Motels (800) 578-7878Westin Hotels (800) 228-3000

Inter-City TransportationAmtrak, www.amtrak.com (800) 872-7245 (USA-RAIL)

America’s national passenger railroad system. Tickets may bepurchased in person at any Amtrak station.Greyhound Bus (800) 231-2222

Service from City to numerous locations throughout the UnitedStates.

America’s national passenger railroad system. Tickets may bepurchased in person at any Amtrak station.Greyhound Bus (800) 231-2222

Service from City to numerous locations throughout the UnitedStates.

Rental CarsThe following car rentals companies are located at the airport.

Advantage, advantage.com (800) 777-5500Alamo, alamo.com (800) 468-5266Avis, avis.com (800) 331-1212 Budget, budget.com (800) 527-0700 Eneteprise, eneteprise.com (800) 468-5266E-Z, e-zrentacar.com (972) 574-3360Fox/Payless, foxrentacar.com (800) 225-4369Hertz, hertz.com (800) 654-3131 National, nationalcar.com (800) 227-7368Thrifty, thrifty.com (800) 367-2277

Shuttle ServiceMilwaukee County Shuttle Service (800) 236-5450

Shuttle operators provide scheduled service to downtown hotelsand business locations.

Airport Connection (800) 236-5450 Milwaukee (920) 452-5452 Sheboygan

Provides door-to-door airport service to hotels and all otherlocations in Milwaukee County


C U L T U R A L A T T R A C T I O N S

A multitude of exciting attractions await the eager visitor. From aworld-renowned zoo, to the many museums, mansions, breweries,gardens and parks, there is something for every age and interest toexperience. Check out the many options that are availablethroughout the Greater Milwaukee area.

Experience Milwaukee’s performing arts from ballet and opera toBroadway theater and African dance. Catch a performance at thenew Milwaukee Theatre. Milwaukee is a cornucopia of events andattractions. From the Milwaukee Art Museum, recently named oneof three “New American Beauties,” by People magazine, and theWilliam F. Eisner Museum of Advertising and Design, the onlymuseum of its kind in the country, to Potawatomi Bingo Casino anddinner at one of Milwaukee’s palate pleasing restaurants — theGenuine American City has something for everyone this fall!

The Milwaukee Art Museum is home to more than 25,000 worksof art, including masterpieces by Rembrandt, Durer, Picasso andWarhol. The museum recently completed a stunning lakefrontaddition that increases the museum’s exhibition space by 25percent and adds a dramatic glass-and-steel architectural signatureto the lakefront.

A tradition of excellence in exhibits, education, collections andresearch has been the hallmark of the Milwaukee Public Museumsince it was established in 1882. Permanent exhibits include multi-level displays of dinosaurs, North American Indians, a tropical rainforest and 19th Century Milwaukee.

Milwaukee’s Kho-Thi Dance Company, Theatre X and PresentMusic have earned international reputations for innovation andexcellence.

The Milwaukee area has several museums designed specificallyfor children and young adults, including the Betty Brinn ChildrenMuseum, which has many hands-on exhibits for children ages 1through 10; and Discovery World, a science and technologymuseum designed for young adults.

The Milwaukee County Zoo is one of the top zoological parks inthe country. The 200-acre park is known for its open concept,which simulates the animals’ natural environments by using moatsto separate predators from their prey. Its Aquatic & Reptile Centerincludes sharks, octopus and alligators, as well as 220 fish fromWisconsin lakes.

Plant enthusiasts will want to explore the Mitchell ParkHorticultural Conservatory. Known locally as “The Domes,” thefacility consists of three 85-foot domes. One contains a desertenvironment, another houses tropical plants and the third featureschanging displays.

The Milwaukee Center Theater District is home to the MilwaukeeRepertory Theater, which operates three venues: the QuadracciPowerhouse, Steimke Theater and the Stackner Cabaret. Thedistrict also includes the Pabst Theater, a national historic landmarkthat provides musical and theatrical entertainment in an elegantsetting. The Marcus Center for the Performing Arts offers severalvenues for performing artists, including the 2,300-seat Uihlein Hall.Large shows are held at the Bradley Center or the outdoor Marcus

Amphitheater, which is located at the Henry W. Maier Festival Park.

The Broadway Theatre Center is the home of the Skylight Opera,the Milwaukee Chamber Theatre and Theatre X. Those who want totest their luck - or their bingo skills - will want to head towardPotawatomi Bingo Casino, which is located just west ofMilwaukee’s downtown.

The metropolitan area offers a variety of opportunities to enjoy theoutdoors. Sparkling lakes, quiet woodland areas and prairie vistascan be found throughout Waukesha, Ozaukee and Washingtoncounties. Even Milwaukee County, which is the most populouscounty in the state, has approximately 15,000 acres of parkland.There are 134 tennis courts, 20 swimming pools and 17 public golfcourses, including the county’s Brown Deer Park course, which hasbeen ranked as one of the five best public courses in the nation byGolf Digest magazine. It is also the home of the Greater MilwaukeeOpen, which attracts more than 100,000 spectators and some ofthe best talent on the PGA circuit.

Boating and fishing are also major activities, both on LakeMichigan and on many of the beautiful inland lakes in the area.Charter boat captains are always eager to take people out into the“local ocean” to land perch, steelhead, coho or chinook salmon, orto get a mermaid’s perspective of the Wisconsin shoreline.

Sailing is also very popular. The South Shore Yacht Club’s annualQueen’s Cup Race attracts more than 240 yachts per year for theWisconsin-to-Michigan race. Sailboats, jet skis and windsurfingequipment can be rented at the McKinley Park Marina, and theMilwaukee Community Sailing Center has a fleet of boats that itmakes available to qualified members.

Betty Brinn Children’s Museum (414) 390-KIDS (5437)929 E. Wisconsin Ave.Milwaukee, WI 53202www.bbcmkids.orgBoerner Botanical Gardens 525-56009400 Boerner DriveHales Corners, WI 53130www.boernerbotanicalgardens.orgDiscovery World Museum (414) 765-9966

The James Lovell Museum of Science, Economics, and Technology

815 N. James Lovell Streetwww.discoveryworld.orgE-Mail: [email protected] Stage Children’s Theater (414) 267-2929325 W. Walnut Street Milwaukee, WI 53212 www.firststage.org Historic Third Ward Association (414) 273-1173219 N. Milwaukee Streetwww.historicthirdward.orgE-Mail: [email protected]



C U L T U R A L A T T R A C T I O N S

S P O R T S & R E C R E A T I O N

House of Harley-Davidson / Buell (877) 518-4643, 282-22116221 W. Layton AvenueGreenfield, WI 53220www.houseofharley.comE-Mail: [email protected] Art Museum (414) 224-3200700 N. Art Museum Drivewww.mam.orgE-Mail: [email protected] Ballet Company (414) 643-7677504 West National Avenue Milwaukee, Wisconsin 53204 For tickets, (414) 902-2103www.milwaukeeballet.orgMilwaukee County Zoological Gardens (414) 771-550010001 West Blue Mound Road Milwaukee, WI 53226 www.milwaukeezoo.orgMilwaukee Public Museum800 West Wells Street Milwaukee, WI 53233www.mpm.eduMilwaukee Repertory Theater (414) 224-1761108 East Wells StMilwaukee, WI 53202Tickets (414) 224-9490www.milwaukeerep.com

Milwaukee Symphony Orchestra Box Office: (414) 291-7605700 North Water Street, Suite 700Milwaukee, WI 53202 Main Office: (414) 291-6010www.milwaukeesymphony.orgMilwaukee Theatre (414) 908.6000Wisconsin Center District400 W. Wisconsin Ave.Milwaukee, WI 53203www.milwaukeetheatre.comThe Northwestern Mutual Life Gallery (414) 410-4100Cardinal Stritch University6801 N. Yates Roadwww.stritch.eduE-Mail: [email protected] Theater (800) 511-1552144 E. Wells Street Milwaukee, Wisconsin www.pabsttheater.orgVilla Terrace Decorative Arts Museum (414) 271-36562220 N. Terrace Avenuewww.cavtmuseums.org

Sports enthusiasts will find the Genuine American City to be ahaven for spectator sports. From professional basketball to amateurbaseball, sports fans have something to cheer about.

Dairyland Greyhound Park (800) 233-3357, (262) 657-82005522 104th AvenueKenosha, WI 53144-7450www.dairylandgreyhoundpark.comE-Mail: [email protected] Lake’s Road AmericaN7390 Highway 67P. O. Box PElkhart Lake, WI 53020(800) 365-7223, (920) 892-4576www.roadamerica.comE-Mail: [email protected] Admirals (414) 227-0550 or (800) 927-6630 1001 N. 4th Street Milwaukee, WI 53203www.milwaukeeadmirals.com

Milwaukee Brewers Baseball Club (414) 902-4400Miller ParkOne Brewers Waywww.milwaukeebrewers.comMilwaukee Bucks (414) 227-05001001 N. Fourth Streetwww.bucks.comE-Mail: [email protected] Wave - Indoor Soccer (414) 224-WAVEU.S. Cellular Arena400 W. Kilbourn AvenueMilwaukee, WI 53203www.milwaukeewave.com


M E D I A

Television StationsCh 4 WTMJ NBC Ch 6 WITI FOX Ch 10 WMVS PBS Ch 12 WISN ABC Ch 18 WVTV CW Ch 24 WCGV MyTv Ch 30 WVCY ReligiousCh 36 WMVT PBS Ch 41 WMLW-LP IND Ch 49 WJJA Shop At Home Ch 52 WWRS TBN Ch 55 WPXE i Ch 58 WDJT CBS Ch 63 W63CU Telemundo

AM Radio Stations540 WRRD Leased Religion 620 WTMJ News/Talk 860 WNOV Urban/Urban Gospel 920 WOKY Adult Standards 1050 WLIP Adult Standards 1130 WISN News/Talk 1250 WEMP Leased Religion/Ethnic 1290 WMCS Urban AC 1340 WJYI Contemp. Christian/Leased Rel. 1400 WRJN News/Talk 1430 WBEV News/Talk/AC 1460 WBJX Regional Mexican 1510 WAUK Sports 1540 WTKM Polka/Farm 1550 WZRK Catholic 1560 WGLB Urban Gospel 1580 WTTN News/Talk 1640 WKSH Children's CHR/Radio Disney

FM Radio Stations88.1 WMWK Religious 88.9 WYMS Jazz 89.7 WUWM Public Radio 90.7 WHAD Public Radio 91.1 WGTD Classical/Public Radio 92.1 WEZY Soft AC 92.5 WBWI Pure Country 93.3 WJZI Soft Jazz 94.5 WKTI Hot AC95.1 WIIL Classic/Active 95.7 WRIT Oldies 96.1 WLKG Hot AC/CHR/70's/80's 96.5 WKLH Classic Hits 96.9 WWDV Classic Hits 97.3 WLTQ Soft AC 98.3 WJMR Urban AC 99.1 WMYX Hot AC 100.7 WKKV Urban 102.1 WLUM Alternative 102.9 WLZR Active Rock 103.7 WXSS CHR/Rhythmic Wannabe 104.7 WEXT Country 105.3 WFZH Contemporary Christian 106.1 WMIL Country 107.7 WVCY Religious


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SMOOTH TRANSITIONS

Choosing a Moving CompanyHave at least three movers come to your home and give estimates. Be sure to ask

whether the estimates are binding, non-binding or guaranteed not to exceed a certainamount. Obtain each company’s assigned Motor Carrier number and call the USDOT at(202) 358-7000 to determine if they are registered and have the proper insurance on file.Ask your prospective moving company for a copy of the “Your Rights and ResponsibilitiesWhen You Move” booklet.

Relocation to Your New CityIf you’re one of the 40 million Americans planning to move this year, you need a strategy.

Starting early and staying organized is the key to a painless move. In general, follow the pre-move checklists provided. These lists will help you track the myriad details needed tofacilitate your move.

If you are selling your present home and/or buying a new one, refer to the homeinspection checklist and the mortgage glossary. If you are planning to rent in your new city,read the article on rental tips. And, if you are undecided, we hope the article entitled “Buyingvs. Renting” will help you assess the pros and cons of each.

Whatever decisions you face based on your particular circumstances, stay positive, calmand organized. And, don’t forget to make some time just for yourself. It will probably saveyou a lot of time in the long run!

Packing Tips

• Sort your belongings. If you don’t use an item, dispose of it.

• Label boxes indicating what they contain and in which room they should be placed.

• Drain gas and oil from power tools so they will not leak; dispose of all volatile or corrosivechemicals.

• After cleaning out the refrigerator and/or freezer, place pieces of charcoal in them toprevent mildew.

• Pack important records in easily accessible place. Include medical, dental, school,insurance, credit card and tax records.

• Use strong, clean containers with lids secured with twine or tape.

• Put no more than 50 pounds in each container.

• Place heavy items towards the bottom of the containers; lighter items on top.

• Protect all finished surfaces from scratching by wrapping them in paper.

• Use plenty of cushioning such as shredded or crumpled paper to protect belongings inboxes. Remember that newspaper ink can rub off and stain items packed with it.

• Pack items tightly to avoid shifting during move.

• Fragile items, like china, should be packed in reinforced boxes or in special boxes withcompartments.

• Individually wrap and cushion electrical appliances.

• Make sure liquids and foodstuffs are placed in carefully sealed containers. Wrap and packkitchenware tightly to prevent damage.

M O V I N G


S M O O T H T R A N S I T I O N S

• Chests and dressers should not be overloaded since gluedfurniture joints could collapse.

• Unusually shaped or valuable items should be crated or movedby you and not the movers. Easily crushed items should beindividually boxed and cushioned.

• You should not remove home fixtures such as window treatmenthardware, towel racks and electrical fixtures. Unless your salesagreement specifically states otherwise, such items are usuallyconsidered legally part of your residence.Let the movingcompany pack furniture, mirrors and artwork to prevent damage.

Stay OrganizedHere are some basic tips to help make moving less traumatic:

• Pack an “Immediate Box” or an overnight suitcase with thenecessities you’ll be needing right away. Don’t forget to includemedicines and a first aid kit, toilet paper, tissue, and papertowels.

• Pack an “Immediate Kitchen” box including trash bags, thecoffee pot or tea kettle, toaster, plastic silverware, paper plates,styrofoam cups and some non-perishable snacks, such ascrackers, peanut butter, dried fruit. This way, there will be someinstant sustenance while you get organized.

• Affix colored labels to the moving boxes according to destination.Put the same-color labels or signs on the door of the rooms

where these boxes go. This way, movers will be directed to thecorrect rooms if you’re not available to tell them where to puteach box.

• Make a detailed floor plan for where you want things to go inyour new home. Photocopy it so you can tack up copies inevery room for the movers.

• Take snapshots of wall units and shelves, so you know howthings were arranged on them.

Settling Into Your New Home

• Start by making the beds. Bedding tends to be bulky andeliminating lots of boxes quickly and easily will be encouraging.

• Unpack and organize children’s belonging’s next. Young childrenwill quickly become restless without familiar things. Remember toposition storage hooks and shelves that children will be usingwithin their reach.

• Next, tackle the kitchen. This job will go much faster if each boxhas been specifically labeled as to its contents. Simply labeling“Kitchen” doesn’t help you prioritize which box to unpack first.

• Stay positive. Getting settled into your new home can seemoverwhelming unless you look at it as a series of small projects.

• Congratulate yourself! You accomplished a lot today!

12/31/10.


Moving DecisionsAre you faced with an upcoming job relocation? With so many

options for moving your household items, it can be a difficultdecision to determine which service best fits your moving needs.Also, with a limited relocation budget from your employer to coveryour moving costs, finding a service that complements yourpocketbook is important as well. While hiring a professional movingcompany may be time-saving, the cost for full-service moving couldbe several thousand dollars. A recent trend in the moving industryis the do-it-yourself moving option. Most people associate do-it-yourself with the truck rental option; however, the “you pack, theydrive” moving alternative is becoming increasingly popular.

New Moving AlternativeWith this type of service, you are expected to pack and load your

items in an adequately-sized commercial trailer. You are given up totwo business days to pack and load your goods. The cost of themove is controlled by the customer because this service allows youto pay for only the spaced used in the trailer. Once you havecompleted the packing and loading process, the trailer is picked upby the local dispatch office. The trailer is then transported by aprofessional driver to your destination. You will receive an estimatedarrival time for delivery of your goods and will also have the ability totrack your goods during the transit of your move. Upon arrival atyour new home, the trailer is delivered at the appointed time andyou will unpack and unload your goods. The local dispatch officewill then come and remove the empty trailer.

Save Time and MoneyThe “you pack, they drive” moving alternative saves you the

trouble of driving an unfamiliar vehicle as well as the stress anddifficulty during a long-distance drive. Since the estimates providedfor this service are based on volume (space) and not weight, you willavoid unexpected higher moving costs and hidden fees associatedwith other full-service moving companies. Unlike a rental truck, thenormal moving expenses such as fuel, taxes, tolls, and unexpectedcosts such as flat tires and engine blowouts are covered by theservice provider.

Loading Service OptionsThe cost savings of using the “you pack, they drive” service

largely result from packing and loading your trailer. Some customersmay not have the physical ability or manpower to pack and loadtheir own trailer. This problem is relatively easy to solve—simplycheck with one of the packing and loading companies suggestedby the “you pack, they drive” service provider. You can locatepacking and loading assistance in both your origin and destinationcities. By combining the “you pack, they drive” service with localloading and unloading assistance, you can save money versususing a full-service moving company.

The Choice is Yours During your search for the best moving option for your upcoming

job relocation, consider the “you pack, they drive” moving optionand know that you are in control of every aspect of your move. Youwill not only save time and money, you will experience less stressand headache during an already stressful part of your life.

W H A T ’ S A L L T H E T A L K A B O U T . Y O U P A C K , T H E Y D R I V E M O V I N G ?


P R E - M O V E C H E C K L I S T

One Month Before

� Take Inventory. Decide what to keep and what to get rid of.

� Reserve a rental truck or select a moving company. Look forrental trucks and moving companies in local brochures, yellowpages, or through your rental agent/ real estate broker.

� Make a moving file for important documents, such as familymedical and dental records, school records, legal documentsand titles, banking and financial statements, stock and bondcertificates, tax returns, birth certificates and insurancedocuments. Include all receipts – many expenses are taxdeductible.

� Make any car rental, airline or hotel arrangements.

� Gather moving supplies such as boxes, tape, bubble wrap andpaper for wrapping.

� Post Office: A week before you move, you should stop by yourlocal post office to fill out a change of address cards.Correspondence cards are also available to send to variouscompanies such as credit card companies, magazinepublishers and any other organizations that should beinformed of your move. The mail will be forwarded to your newhome for a full year. After a year, the mail will be returned to thesender with your new address stamped on it. You can get anofficial change form at the local post office or on the Internet atwww.usps.gov/movernet.

� Credit Card Companies: Immediately notify all your credit cardcompanies of your move. Keeping an individual file on eachone makes this process much easier. We suggest using thecorrespondence cards offered at the post office in addition torequesting in writing that they send you a letter of confirmation.It is also recommended to make a follow up call.

� Purchase Insurance: If you are moving from out of state andare insured by a fairly large company, they will most likely havean office in the city you are moving to. If you need to find a newcompany, it is important to get homeowners insurance at leastone month before the move. Those moving to an apartmentneed to contact the insurance company two weeks before themove. If you have large amounts of jewelry and/or furs coatsit’s important to contact the agency as soon as possible sinceyou will be needing additional coverage.

� Remember to request the return of any security deposits.

Two Weeks Before

� Notify Phone Company: Your new local phone companyshould be notified of your move no sooner than 30 businessdays prior to move, and no later than 5 business days beforemoving. The service representative will run a quick credit checkand assign you a new telephone number.

� Notify Utilities: The electric and gas service companies shouldbe contacted at least two weeks before your move. The oldservice will need your move out date and you should requestthe return of any deposits at this time. The new service willneed your move in date to determine when service will beturned on or transferred to your name. You can inquire if theyhave a billing plan to balance out of season differences bypaying a set amount each month. If moving into an apartment,check with the property manager to see if service was left onbefore you call the utility companies. Write down theemergency numbers to call in event of a problem or outage.

� Banks: (checking accounts, investments, etc.): Before youmove to your new city, make sure all existing accounts in yourold bank are closed. Find a new bank to fill your personalneeds and open accounts, order checks and obtain directdeposit forms if applicable.

� Find a new doctor and dentist and have your family’s medicalrecords transferred to them.

� Refill any prescription medications which must be takenregularly and arrange to have those prescriptions transferred toyour new city.

� Arrange to register your children in their new school(s). Contacttheir current school(s) to have their records forwarded.


P R E - M O V E C H E C K L I S T

One Week Before

� Confirm any travel plans or reservations.

� Finish packing and make sure all boxes are clearly labeled.

� Subscribe to the local newspaper and visit the Chamber ofCommerce in your new city for additional communityinformation.

� Change of Address Notification: You will need to notify thePostal Service that you are moving. It is now possible to do sowithout visiting the post office. Go to website listed above. Forthe fee of $1.00 you may fill out the address changeinformation online and receive an email confirmation. Or youmay choose to print the form and mail it to your local postoffice. US Postal Service, www.usps.com

� Notify IRS: You will also need to notify the IRS that you havemoved. This will ensure you receive your IRS refund and/or anyother correspondence. To change your address with the IRS,complete a Form 8822 (PDF), Address Change Request. Thisis available on the IRS website. IRS, www.irs.gov

One Day Before

� Pick up your rental truck or confirm your move with the movingcompany.

� Make sure you and your movers have the directions to yournew home. Plan your travel so that you will be there to greetthem and unlock your home. Have a backup plan in case oneof you gets delayed.

� Obtain the driver’s cell phone number and give him/her yoursso you can stay in touch in case one of you is delayed.

� Ask what form of payment the movers will accept (check,money order, certified check, travelers checks) and makenecessary arrangements.

Moving Day

� Early on moving day, reserve a large place for the moving truckto park. Mark off an area with cones or chairs. If you need toobtain parking permission from your apartment complexmanager or the city, do so in advance.

� Before work starts, walk through the house with the moversand describe the loading order. Show them items you intend totransport yourself. You should have these items grouped in anarea prior to the movers arriving. Remain on site to answer themovers’ questions and to provide special instructions.

� Walk through your home and make sure that everything wasloaded. Make sure you have the keys to your new home.

� Remember that professional movers expect to be paid in fullbefore your goods are unloaded. Check for damage, as itemsare unloaded and report any problems right away.

� Unless the company’s policy prohibits the acceptance ofgratuities, it is customary to tip each mover. $20 is a goodamount; you may want to tip more or less based on the serviceyou received.

� If you are moving yourself and getting help from friends, makesure you create a task list. Be sure to have everything packedbefore your help arrives. It is natural for people to work in pairs,but you should consider each person’s physical ability andhealth status. Plan to provide beverages and food for yourvolunteers. Load the truck according to the directions yourtruck rental agency gave you, and make sure that youunderstand how to operate and drive the rental truck beforeyou leave the agency.


R E L O C A T I N G Y O U R P E T

Your coffee is finally brewing after what seemed like an endlesssearch through the boxes left by the moving company. The diskjockey on the radio reads the weather forecast and you learn that itis -5 degrees outside with an expected high of 0. Welcome to yournew city, but at least your company gave you a nice raise forrelocating.

Just as you start thinking that everything is proceeding smoothlyand that your new city really does have a lot to offer, you realizePrince, your four-year old Great Dane, isn’t acting right. Now what?Is he really sick? Homesick? What’s worse is that you don’t knowwhere the closest veterinarian is located and, of course, he or shecan’t be as good as Dr. Morris…and Prince just loved Dr. Morris.

Farfetched? Not really. Pets are probably most overlooked whenit comes to relocating. Most people just expect their pets to wakeup completely adapted to their new surroundings as if nothingchanged. Although this is true for many pets, just as many findrelocating to be traumatic. Furthermore, most people wait until theirpet is ill before finding a newveterinarian.

What should you do then for yourpet when relocating? Actually theplace to begin is in your hometownbefore you move. Speak to yourown veterinarian and tell him/herwhere you are moving and askhis/her advice. In most cases, thisalone will be sufficient to find outwhat is necessary to prepare yourpet for transition. Further, people willbe surprised how often theirveterinarian can recommendsomeone in the area where they aremoving. Whether or not this personwill actually become your newveterinarian is not as important asthe peace of mind that therecommendation is from someoneyou trust.

Finally, don’t wait until your pet isill before looking for a veterinarian.This is an extremely emotional timeand nothing can be more traumaticthan having to find a veterinarian inthe midst of a crisis. It is obvious,then, that you should find a newveterinarian before that first crisisoccurs so that when the needarises, you will be prepared.

How do you go about finding anew veterinarian in a new city? Thebest place to begin is simply theNewMarket Services Information

Guide. Location is an important factor, as many pets don’t travelwell and, in the case of emergency, distance may be a factor inreceiving timely treatment.

After making a list of local veterinary clinics, take the time to govisit them. Talk to the staff. Ask about office hours, fees, whetherappointments are required, and what services are available. Also,ask if it is possible to talk to the doctor so that you can introduceyourself and at least have a first impression to help you make yourchoice.

Finally, ask your neighbors which veterinarians they take theirpets to and why. Then, of course, it’s your decision, but at least youhave gathered some information on which to base your decision.

All dogs should be vaccinated for the possibly fatal diseaseParvovirus.

Remember to NEVER leave your pet in a car in hot weather, asheat conditions in cars can quickly become fatal to animals.


REINFORCE THE POSITIVES

M O V I N G W I T H C H I L D R E N

Get family members focused on and involved in the process of moving. Hold a familymeeting to discuss why, where, when and how the family will move. Encourageeveryone to ask questions and express feelings. If possible, drive the family to see

the new home and take a tour of the new neighborhood schools, shops and parks. Takephotos or videotape the new house and neighborhood. Make lists for each older child ofthings to do to prepare for the move and assign them a special task or two. For example,they can read and inform other family members about the area history, landmarks, specialevents and amusements. Help children prepare for the move by having them assist withpacking. Let them pack a box of special clothes, toys or books they would like readilyaccessible at their new home. Let each family member help plan how to set up his or herbedroom. Have them help select paint or wallpaper. Let them share ideas how to arrangethe furniture. When the move takes place, set up the children’s rooms first.

Choosing a School One of the most satisfying experiences a family can have is finding a school that fits its

needs. That school will “feel right” because its administrators, teachers, and parents arepart of a strong community that shares the family’s educational values. Children are eagerto go there because the school program stimulates their curiosity and provides them withoutlets for their interests. Parents will be pleased because their involvement in theirchildren’s education will be welcomed and encouraged.

In order to find the best school for your child, you should begin by observing your child’slearning habits. Even as preschoolers, children begin to develop different approaches tolearning. These inclinations provide strong clues about what kind of school would servethem best. In her book Your Child’s First School, educational consultant Diana Townsend-Butterworth offers these suggestions of things to watch for in determining your child’sorientation to learning:

• What does your child enjoy doing?

• What excites your child and arouses his or her curiosity?

• What seems to be frustrating?

• Does your child thrive in a structured environment or seem to prefer one that offers morefreedom?

• Is your child quiet or rambunctious?

• Does he or she prefer to work on projects alone or with other children?

• Does he or she have any special interests or abilities?

Make a list of answers to these questions as well as taking note of any othercharacteristics you notice about your child. As you read more about individual schools, andwhen you visit the ones that interest you, you will be better able to choose a school thatsuits your child.


R E I N F O R C E T H E P O S I T I V E S

For high school, parents often choose a new school for theirchildren. This is frequently because their current school goes onlythrough eight grade. As you look for a high school, consider yourchild’s learning style as well as his or her interests when decidingupon a school. Also keep in mind your own family goals, which mayinvolve preparing for college, in making this important choice.

What about family expectations? In order to provide a goodmatch, a child’s school must also meet a family’s needs. Here again,you may want to prepare a list of expectations and use it as a guidein the search for the best school for your child:

• What goal do you have for your child’s long-term education? Iscollege preparation a priority?

• How important to you is parental involvement in school activities?

• Do you expect the school to have a role in developing a child’scharacter by encouraging respect for adults and peers as well asothers in society, including the disadvantaged?

• How important is it to you that you have a strong relationship andshare a philosophy with other parents at the school?

• How interested are you in providing a home setting that givesyour child time for homework?

• How important to you is a before-school and after-schoolprogram? Before beginning a search for a school, parents should reflect on

these questions, and their expectations for schools. Parents whochoose schools wisely are pleased after their children enrollbecause the family and the school work in harmony with a common

set of expectations for the youngsters. Admissions directors atschools will gladly connect you with parents of current students soyou can make an informed choice for your child.

Most schools believe parents should have a strong role in theirchildren’s education. Being involved in a child’s educationstrengthens the whole family and sends a message to children thateducation is an important part of their lives. Schools know that theway in which parents choose to become active in their children’sschools varies greatly. They provide many different opportunities forparental involvement. Most schools have strong parent associationsthat organize social events, help coordinate volunteer activitied, andprovide an organizes means of communication between parentsand school.

Each of these encounters strengthens the life of the schools andcreates a community of committed adults supporting the goals ofthe schools and the students. This feeling of community, with adultsand students working together for a common purpose, is one of thedistinguishing strengths of a good schools.Wisconsin students areamong the brightest in the nation. Their scores rank among thehighest on knowledge and concept examinations given in gradesfour, six, eight, and 10. In 2001, Wisconsin high school seniorsreceived an average score of 22.2 on the ACT college preparatoryexamination, the highest score among states where the ACT is theprimary college admission test. The score is also above the nationalaverage of 21.0.

Some of Greater Milwaukee's public schools do not have websites yet. The Wisconsin Public School District Directory containsbasic information from each of the state's 426 public schooldistricts and 2R Charter Schools. Information includes districtname, superintendent, address, phone and fax numbers. Whenthere is a post office box and street address, both addresses aregiven separated by a blank line. This data is updated bi-weekly.www.dpi.state.wi.us

Milwaukee Public Schools (414) 475-8393 5225 West Vliet Street Milwaukee, Wisconsin 53208 mpsportal.milwaukee.k12.wi.us

Milwaukee Public Schools (MPS) is the largest school district inthe state of Wisconsin. As of 2006, it has an enrollment of 95,600students and employs 6,100 full-time and substitute teachers in223 schools. Milwaukee Public Schools operate as magnetschools, with individualized specialty areas for interests inacademics, or the arts. New students may enroll for the currentschool year at their neighborhood school, or call (414) 475-8448 forinformation.

Racine Unified School District (262) 635-56002220 Northwestern Ave.Racine, WI 53404www.racine.K12.wi.us

The Racine Unified School District serves 21,500 students wholive in the eastern half of Racine County. The district, which includescity, suburban, and rural elements, is located in southeasternWisconsin, just 30 minutes south of Milwaukee. The 33 schoolsprovide excellent educational opportunities for all students.

32 ] Milwaukee Information Guide


S E L E C T I N G C H I L D C A R E

When you’re new to a community, locating a person or programto provide child care for you is not the easiest of tasks. Due toexpanding demand, just finding an opening may be difficult.Pinpointing a place that is not too far or too expensive and, mostimportantly, a provider whom you trust, may take days or weeks ofpersistent phoning and visits.

As a parent, it is your responsibility to ensure that your child issafe and happy in a child care environment that is fun, educational,and nurturing. You will need to consider many questions. But youare not alone — an increasing number of parents rely on qualitychild care so that they may work. About 70% of parents place theiryoung children in some type of daily care. Knowing in advance thatthis is not an overnight process makes it a bit less overwhelming.

Types of Child CareYou might like the home-like feel of a family child care home, or

maybe you want your child to have opportunity to socialize withpeers in a larger child care center. You might be looking for afterschool care for your child, a summer camp experience or a programthat can accommodate his or her special needs. It will help you inyour search to learn more about each type of child care setting.

In Home Some parents may prefer the one-on-one contact an in-home

care provider can offer, especially for an infant. The InternationalNanny Association (INA) recommends that you interview anyprospective hire at least twice and that you conduct a criminalbackground check, which is usually done by most placementagencies.

One key to good child care is whether the caregiver can adapt tothe needs of each child and family. Not all children of the same ageare at the same level of development; each child has uniquecharacter traits. A good caregiver understands these personal anddevelopmental differences and creates a program to meet eachchild’s needs.

Center-Based Care The most popular type because there are so many options for

children of all ages. You take your child to a place that is organizedand staffed specifically to care for a group or groups of children.Some types include day care centers, preschool programs,before/after school programs.

Day Care CenterIf you’re considering a day care center or another group setting,

you should spend some time observing the center and talking toparents with children in the center. You should also expect that yourchild will be assigned to the same caregiver to promote a sense ofsecurity and consistency. Inquire about the rate of staff resignations;low staff turnover minimizes the need for young children torepeatedly adjust to new caregivers.

Preschool ProgramsPreschool programs are offered through Head Start, child care

centers or local public and private schools. They can be offered asa half-day program for three or four days a week or they can be partof a full day program at a child care center.

Before/After School Programs These programs give children additional time and opportunity to

engage in hands-on enrichment activities in reading, science, math,art, drama, and specific “safety” topics that include conflictresolution and drug abuse. Most programs offer homeworkassistance and some offer tutoring. Most also provide supervisedphysical activity and healthy snacks, or even dinner. School ageprograms are often provided through local schools, child carecenters, churches, or youth-oriented community organizations.Quality features include opportunities for children to make individualand group choices about activities, opportunity to improveacademic skills, spaces for children to relax and rest, wellsupervised spaces where they can be active, nutritious snacks, andparental involvement.

Choosing Child CareIn addition to the forms of child care, you want to take into

account the following factors:

• Age and personality of your child.

• Child care needs of all the children in your family.

• Location of your workplace, home and child care facility.

• Hours you need child care.

• What you can afford.

When you begin your search, start with the telephone. Plan tospend a few minutes with each call. Describe your needs and askabout the program, staff, location, other children in care, and whatis included in the cost. Make an appointment and visit the center,school or home, and plan on spending at least an hour at eachplace. Visit once to observe the children in care and at another timeoutside of regular structured hours to spend time with provider ordirector.

In any group center, health, safety, and hygiene must be givenpriority in all settings. All children and staff members should havecurrent immunizations; staff should have clear criminal backgroundchecks. The facility must be child-proof and all staff membersshould wear disposable gloves when changing diapers. Toys shouldbe disinfected on a regular basis and frequent hand washing shouldbe promoted among the staff and children to minimize the spreadof infection.

Preparing Your Child for Child Care Most young infants, up to seven months, adapt to caring adults

and seldom have problems adjusting to good child care. Olderinfants may be upset when left with strangers. They may feelseparation anxiety, which is a normal part of development for somechildren. They will need extra time and your support to “get toknow” the caregiver. Some children show changes in behaviorwhen they start child care. Toddlers may cry, pout, refuse to go toor act angry in other ways. Preschoolers may regress and behavelike a younger child. They may be more wakeful at night. Thisbehavior usually goes away after a few days or weeks in high-qualitychild care, just be sure to monitor.



S E L E C T I N G C H I L D C A R E

You may help your child adjust to a new child care arrangement.Arrange a visit with in-home caregivers while you are at home orwhen you need child care for a short time. Visit the center or familychild care home that you have chosen with your child beforebeginning care. Show your child that you like and trust the caregiver.

Some children like to carry a reminder of home when they go tochild care. A family photograph or small toy can be helpful. Talkingto your child about child care and the caregiver is helpful. Beingprepared makes any new experience easier for children. There alsoare storybooks about child care that you and your child can readtogether. (Check with your local library, another great outing for aparent and child)

After a child has been in child care, a sudden change incaregivers may be upsetting. This can happen even if the newcaregiver is kind and competent. If you are concerned about yourchild's feelings, you may want to arrange a meeting with the

caregiver or ask your pediatrician for advice. Parents need to helpthe caregivers and the child deal with any changes in the child'sroutine at home or child care. High-quality child care helps childrengrow in every way and promotes their physical, social and mentaldevelopment. It offers support to working parents. Your pediatricianwants your child to grow and develop with enjoyment in a settingthat supports you as a parent.

In the final analysis, locating a child care provider with whom youare confident is well worth the searching. Why? Your child benefitsgreatly from such an arrangement, meeting and interacting withother children and adults. The child learns and grows fromexperience, often times a major step in establishing independenceand becoming his or her “own person.” And you feel more at easeleaving them.For more information you may want to visit thefollowing website: American Academy of Pediatrics, www.aap.org

H I G H E R E D U C A T I O N - W H E R E T O G O ?

A List to Consider When Making Decisions About CollegeAdmissions experts from Baruch College, a senior college in the

City University of New York, offer some tips to help parents copewith the stress of guiding their child through that all-importantquestion: Where should I go to college?

Academics1. Remember why your child is going to college in the first place.

Now is the time for your child to reflect on what she truly wants.Compare her preferences and ambitions to the resources thateach school offers. Consider each school’s academics, studyabroad programs, student life, extracurricular activities, careerservices, internship programs, etc., and ask how it will furtheryour child’s educational and career goals. Reassure your childthat it’s okay to be uncertain about her career ambitions but, ifshe is, a college with flexible academic programs and multipleoptions is probably a good bet.

2. What happens to people who graduate from this school? Lookinto what most of the graduates of the schools your child likeswind up doing. If your child is interested in the fine arts, and themajority of students at a particular school end up working in thefinancial industry, it should give you both pause.

3. The downside of high school success. Sometimes, even a top-performing high school student is surprised by the rigorousdemands of college courses and professors. Even if your childwas accepted at the school of his dreams, he needs tounderstand that he’s starting all over once he gets to college; hissterling SAT score won’t matter if he skips class or studying.Have an honest conversation with your child about the level ofcommitment required at the schools he likes and make sure he’sprepared for it. It’s (Almost) All About the Money

4. Factor college tuition into family budgeting. Try plugging the

estimated cost of attendance (tuition, room and board, books,transportation, student fees) for each school at which your childis accepted into your family’s budget. This will provide you witha better long-term financial plan. And don’t forget aboutgraduate school, if that is in your child’s plans; it’ll be upon youboth before you know it.

5. Explore all avenues of financing. Don’t count solely on thecollege’s financial aid award for help. Learn about scholarshipsbeing offered by local businesses, community organizations, andemployers; your family could qualify for additional aid monies.

6. Get to know your school’s financial aid team. Most financial aiddepartments offer free workshops on how to plan for the cost ofattending college. Take advantage of such sessions, and don’tbe bashful; ask as many questions as occur to you. Now is thebest time to consider all your options.

Campus and Residential Life7. What’s new at school? It’s been several months since you and

your child did all that college research. Go back on the colleges’websites and see what’s up! Schools may be offering newprograms, hosting unique events on campus, renovatingfacilities, or announcing new faculty appointments— any ofwhich could affect your child’s decision.

8. Finding the right fit. Every school has a personality; you don’twant to spend thousands of dollars on one that clashes withyour child’s. Visit the campus again—or for the first time if youhaven’t been yet! Encourage your child to attend an acceptedstudent reception; sit in on a class; go to a sporting event; andtalk to current students—without you hovering in thebackground! Students will speak candidly to each other aboutreal-life college issues like the social scene, academicpressures, and drinking on campus— all things your childshould be aware of in advance.


Liberal Arts CollegesLiberal arts colleges offer a broad base of courses in the

humanities, social sciences, and sciences. Most are private andfocus mainly on undergraduate students. Classes tend to be smalland personal attention is available.

Alverno College (800) 933-34013400 South 43rd Street P.O. Box 343922 Milwaukee, WI 53234-3922www.alverno.edu

Chartered in 1887, Alverno College is a four year, liberal arts,independent, Catholic college for women. The college also offersweekday and weekend undergraduate programs for women andmen.

Cardinal Stritch University - Liberal Arts College For Women6801 N. Yates RoadMilwaukee, WI 53217(800) 347-8822, (414) 410-4000

Founded in 1937 by the Sisters of St. Francis of Assisi, CardinalStritch University is comprehensive and coeducational. Servestudents of all faiths and ages in four colleges: College of Arts andSciences, College of Business, College of Education, and the RuthS. Coleman College of Nursing.

UniversitiesGenerally, a university is bigger than a college and offers more

majors and research facilities. Class size often reflects institutionalsize and some classes may be taught by graduate students.

University of Wisconsin-Milwaukee (414) 229-1122P.O. Box 413 2200 E. Kenwood Blvd.Milwaukee, WI 53201-0413 www.uwm.edu

At UW-Milwaukee, the community is an integral part of many ofour 152 different academic degree programs. Research and hands-on learning are intertwined. Anyone interested in earning abachelor’s, master’s or doctoral degree on a campus in a beautifulneighborhood should consider the University of Wisconsin-Milwaukee. In addition to more than 28,000 university students,UW-Milwaukee also expands the knowledge of area residentsthrough its School of Continuing Education. With more than 35,000annual participants, the school provides outstanding learning

experiences through classes, seminars, special events andeducational tours and trips.

University of Wisconsin-Waukesha (262) 521-52001500 N. University DriveWaukesha, WI 53188www.waukesha.uwc.edu

UW-Waukesha is one of the 13 freshman/sophomore campusesof the UW Colleges. It offers the best start on a bachelor's degreeand unlimited career opportunities. Along with the lowest tuition inthe UW system, small classes are offered both days and eveningstaught by professors who are approachable. A strong curriculumprovides students with a solid foundation. The UW GuaranteedTransfer Program ensures admission to the four-year UW campusof your choice. Founded in 1966, typically about 2000 students areenrolled each semester.

Marquette University (800) 222-6544 P.O. Box 1881 Milwaukee, WI 53201-1881 www.marquette.edu

Founded in 1881 in Milwaukee, Wisconsin, Marquette Universityhas been providing educational excellence in the 450-year-oldJesuit tradition. The Jesuit order of Catholic priests has embracedthe belief that true education should develop not only the intellect,but also moral and spiritual character. Marquette has grown into amodern coed campus of more than 11,000 students who learn andgrow through nationally admired undergraduate, graduate andprofessional programs.Medical College of Wisconsin (414) 456-82968701 Watertown Plank Road Milwaukee, Wisconsin 53226www.mcw.edu

Formerly affiliated with Marquette University, the Medical Collegeof Wisconsin is a private, academic institution dedicated toleadership and excellence in education, research patient care andservice.

Milwaukee Area Technical College (414) 297-MATC700 West State StreetMilwaukee WI 53233 www.matc.edu

An MATC education offers outstanding value relative to four-yearcolleges and universities. To keep higher education within financialreach for as many people as possible.

T Y P E S O F H I G H E R E D U C A T I O N

H I G H E R E D U C A T I O N - W H E R E T O G O ?

9. Safety first. Let’s face it: sending your child off to college is scaryenough without worrying about crime. Take note of a school’slocation and ask college officials about security: Is there a 24-hour security team? What kind of campus alert systems are inplace? What are the crime statistics for the area? What securityprecautions exist in the residence halls? While you’re askingquestions, explore the college’s mental health and counselingservices—college can be stressful for kids as well as parents.

Coping10. Breathe deeply and stay calm. Make clear to your child that you

are available to talk things through, weigh the pros and cons, askquestions, and visit campuses with her but that, ultimately, thedecision about where to go to college must be her’s. It’s hard tohand over the keys to her future, but when you watch her receiveher diploma, you’ll realize it was well worth it.


D E G R E E S A N D C E R T I F I C A T E S

Certificate or DiplomaThese non-degree offerings generally lead to employment in an

occupational field. For example, to enter fields such as computerscience or teaching, you may first have to get a certificate ordiploma.

Associate DegreeYou receive an associate of arts (AA) or associate of science (AS)

degree after completing two years of study similar to the first twoyears of a four-year college. After earning an AA or an AS, you maytransfer to a four-year college to complete the requirements for abachelor’s degree. The associate of applied science (AAS) degree isawarded on completion of technological or vocation programs ofstudy.

Bachelor’s or Baccalaureate DegreeComplete a four- or five-year, full-time program of study (or its

part-time equivalent) at a college. The Bachelor of Arts (B.A.) andBachelor of Science (B.S.) are the most common.Combined Bachelor’s/Graduate Degree (or Joint Degree)

Complete a bachelor’s degree and a master’s or first-professionaldegree in less than the usual amount of time. In most programs,students apply to the graduate program during their first three yearsof undergraduate study, and begin the graduate program in theirfourth year of college. Successful completion results in awarding ofboth bachelor’s and graduate degrees. These are sometimesreferred to as “4 +1” programs.

T Y P E S O F H I G H E R E D U C A T I O N

Milwaukee Institute of Art and Design (414) 276-7889273 E. Erie St. Milwaukee, WI 53202www.miad.edu

MIAD is Wisconsin’s only full-time, accredited art school in thestate of Wisconsin.

Milwaukee School of Engineering (800) 332-67631025 North BroadwayMilwaukee, WI 53202-3109www.msoe.edu

MSOE is a private university located in downtown Milwaukee.MSOE is best known for its challenging applications-orientedcurriculum, close association with business and industry, and lowstudent-to-teacher ratios.

Community or Junior CollegesCommunity colleges exist for two major purposes. The first is to

serve as a bridge from high school to college by providing coursesfor transfer toward a bachelor’s degree. Four out of 10 college-bound high-school graduates start their college education this way.

The second function of community colleges is to preparestudents for the job market by offering entry-level career training aswell as courses for adult students who want to upgrade their skillsfor the workplace. They often offer programs that are not availableat four-year schools, like fashion design.

Upper DivisionUpper-division schools offer the last two years of undergraduate

study, usually in specialized programs leading to a bachelor’sdegree. You’d generally transfer to an upper-division college aftercompleting an associate degree or after finishing a second year ofstudy at a four-year college.

Public vs. Private

Public colleges are usually less expensive, particularly for in-stateresidents. They get most of their money from the state or localgovernment. Private colleges rely on tuition, fees, endowments, andother private sources. Private colleges are usually smaller and canoffer more personalized attention and often more prestige.

Online LearningRecent years have witnessed the rise of online degree programs,

to allow the busy professional a chance to work at their own pacefrom the comfort of their home on the path to getting a degree. Thecosts to students are typically the same as for traditional classes—and financial aid is equally available—while the cost to the institutioncan be much less.

There are online universities ranging from legitimate distancelearning systems to fly-by-night degree-mills. It’s important toresearch a particular institution before deciding to enroll in theirsystem. Generally, brick-and-mortar schools that also offer onlineclasses are the safest, though there are plenty of fully accreditedonline universities out there.

Nearly 3 million students are believed to be taking online classesat institutions of higher education in the United States this year. Thatnumber has been growing about 25% a year. Now, virtually allpublic higher education institutions, as well as a vast majority ofprivate, for-profit institutions, offer online classes. By contrast, onlyabout half of private, nonprofit schools offer them.

Online schools offer everything from Associate’s degrees toDoctoral programs with available emphases in everything fromBusiness Administration to Criminal Justice to Nursing. Someprograms require students to attend some campus classes ororientations, but many are delivered completely online.

Online courses generally require a computer with a broadbandconnection, and are now a serious option for the busy professional.


FAFSA www.fafsa.gov

FAFSA, the Free Application for Federal Student Aid, is a formthat must be filled out annually by university to determine theireligibility for federal financial aid (including grants, loans, and work-study programs). In addition, most states and schools useinformation from the FAFSA to award non-federal aid.

The FAFSA consists of numerous questions regarding thestudent’s finances, as well as those of his or her family; these areentered into a formula that determines the Expected FamilyContribution. The amount of the EFC can vary widely, depending ona number of factors; for example, one such factor is whether astudent has siblings in college at the time.

The best place to look for help before you start filling out yourFAFSA is at your school’s financial aid office.

Other SourcesFAFSA only scratches the surface of the money available to

students for school. There are many state and private scholarshipsout there. The easiest way to find listings of what scholarships thatyou may qualify for is by going to a scholarship database online anddoing a search. Some handy sites for this are:

Lunch-money.comFinaid.orgFastweb.comCollegeboard.comIt’s not recommended that you participate in any website that

asks you to pay a fee to search for a scholarship; there are manywonderful free sites available.

Types of financial AidFinancial aid may be classified into two types based on the

criteria through which the financial aid is awarded: merit-based orneed-based.

Merit-basedMerit-scholarships are typically awarded for outstanding

academic achievements, although some merit scholarships canalso be awarded for special talents, leadership potential and otherpersonal characteristics. Merit scholarships are sometimesawarded without regard for the financial need of the applicant.Athletic scholarships are a form of merit aid that takes athletic talentinto account.

Need-basedNeed-based financial aid is awarded on the basis of the financial

need of the student. The amount of need based aid is generallybased off the criteria on the FAFSA.Loans

While included in the term “financial aid” Higher Education Loansdiffer from scholarships and grants in that they must be paid back.They come in several varieties in the United States

• Federal Student Loans made to students directly: No paymentsuntil after graduation, but amounts are quite limited

• Federal Student Loans made to parents: Much higher limit, butpayments start immediately

• Private Student Loans made to students or parents: Higher limitsand no payments until after graduation.

Getting Your MBA Part-timeGetting your MBA may be imperative to you and your career.

More than 40% of all graduate students are working adults, so it ispossible to balance the rest of your life with your desire to continueyour education.

You’ll generally spend three to four hours a week with theinstructor in a 3-credit class. It’s generally recommended that youspend about 8 additional hours a week studying and preparing forthe next classroom session, so 12-15 hrs a week total.

So where are you going to find an extra 15 hrs a week? It helpsto journal how you do spend your time during the week, and thenlist priorities. Lower priority items, like watching TV, may take upmore time than you realize, and can be shelved so you can continueyour education.

Re-prioritizing your time is the most crucial step in ensuring you’llhave success on your path to your degree. Make sure you discussyour goals with your boss, friends, and family, so they know what toexpect as you add this major commitment to your life.

P A Y I N G F O R S C H O O L

D E G R E E S A N D C E R T I F I C A T E S

Masters DegreeThese signify more specialized training in a particular field. They

are competed after the bachelor’s degree, usually over the courseof 2 years for the full time student.

DoctoratesThese generally signify some significant research in the field, and

are an upper level degree.


IN THE KITCHEN

F I T N E S S A N D H E A L T H

In 1912, Nabisco had an idea for a cookie - two chocolate disks with a creme filling inbetween. Yes, they’ve been around for a long time. However, Nabisco did not have theoriginal “two chocolate disks with a creme filling in between” cookie. That credit goes to

Sunshine; in 1908 they introduced the Hydrox cookie, leading to speculation that Nabiscoobtained the idea from Sunshine. Here's some more trivia for you. In 1898, several bakingcompanies merged to form the National Biscuit Company (NaBisCo). The first Oreo cookielooked very similar to the Oreo cookie of today, with only a slight difference in the design onthe chocolate disks. While I’m on a roll here with your history lesson let me add: The cookiewas registered in 1913 as Oreo Biscuit, in 1921 as Oreo Sandwich, and in 1948 as OreoCreme Sandwich.

I know you’re now wondering about the name. How did Oreo get its name? The peopleat Nabisco aren’t quite sure; seems odd to me! Some believe that the cookie’s name wastaken from the French word for gold, “or” (the main color on early Oreo packages).Originally, Oreo was mound-shaped, so some speculate Oreo stems from the Greek word‘Oros’, meaning mountain or hill. Still others believe the name is a combination of taking the“re” from “cream” and placing it between the two “o’s in “chocolate” - making “o-re-o.” Ipersonally am going with that version. I’m from Ohio; you know the state with two eyes andsays hi.

Ok, enough. Here are two of my family’s favorite recipes using Oreos. Kids love the cakeand the Oreo Balls are great for tail-gating parties.

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Oreo Cookies?

Oreo Cookie Cake

1 stick of butter

28 crushed cookies

Mix together and put in a9x13 pan

1 8 oz cream cheese

1 c confectioner’s sugar

1/2 8 oz container cool whip

Blend together and put ontop of cookie layer.

1 small instant chocolatepudding

1 small instant vanilla pudding

3 cups milk

Mix together. Beat until thickand pour on top of creamcheese mixture. Top withremaining cool whip.

Keep cold.

Oreo Balls

Ingredients

8 ounces softened cream cheese or whipped creamcheese

18 ounces package of Oreo cookies, crushed (crushthe entire cookie-don't remove the filling!)

2 cups semi-sweet or milk chocolate chips

1 tablespoon shortening

Instructions

Mix cream cheese with electric mixer until fluffy. Addthe crushed Oreos and beat on high until well mixed.Chill for at least 2 hours in the freezer. Then roll Oreocookie mix into one inch Oreo Balls.

Melt the chocolate chips and shortening with adouble boiler or in the microwave.

Dip the Oreo balls completely into the meltedchocolate using tongs or a toothpick.

Put on wax paper. After the Oreo balls harden, keepthem in the refrigerator.

Makes about 3 or 4 dozen Oreo Balls, depending onthe size.remaining cool whip.

Keep cold.

P H Y S I C A L A N D M E N T A L W E L L B E I N G

Choosing a Health ClubYour move is filled with many new challenges. If your life style

includes working out a priority

will be to find a club that meets your needs. Or a new move maybring the perfect time to implement those healthy lifestyle changesthat were on your New Year’s Resolution list for the past severalyears.

Begin your search before you move. Ask your current club forrecommendations or perhaps they even have reciprocity with a clubin your new location. If you belong to a national chain, chances aregood that you will be able to transfer your membership.

However if you do find yourself looking for a new club, use thischeck list to help you find the place that will work best for you.When visiting a club use your own observations and question thestaff and current members. Be sure your new club will be able tomeet your fitness, social, and safety needs.

• Is the club clean and well maintained, especially the locker roomsand the shower areas?

• Are staff members friendly and helpful? Make sure there is alwayssomeone available to answer your questions, to show you a newexercise, or how to use a piece of equipment.

• Does the location for work for you? It’s best to select a club that’snear where you live or work.

• Do fitness staff members have appropriate educationalbackgrounds and/or certification from nationally recognizedcertifying agencies?

• Are new members provided with a club orientation andinstruction on how to use equipment?

• What age group do you see while visiting? If you are in your 50’s,do you really want to work out with a group in their 20’s (and viceversa)? Be sure to visit club at the time you will be normally usingthe facilities.

• Does the club have the cardiovascular resistance equipment youwant and need to achieve your fitness goals?

• Does the club offer sufficient number and variety of programs foryou to achieve your fitness goals (aerobic, racquet sports,basketball, etc.)? If classes or group activities help to motivateyou and the health club doesn’t offer the classes you need,sticking with your exercise program won’t be realistic.

• Does the club offer instruction in a sport or activity that you mightwant to learn (tennis, squash, swimming, etc.)?

• Does the club offer a variety of leagues? If you want to compete- is the club affiliated to the right leagues, and does it have teamsof the right standard for your competencies?

• Does the club offer a variety of high-quality weight equipment? Itshould include free weights, such as barbells and dumbbells, andmachine weights, you really need both to get a proper workout.

• Does the club offer a sufficient number and variety of programsfor you to achieve other goals (stress management, weightmanagement, smoking cessation, social activities, etc.)?

• Are there long lines at the equipment, or crowded aerobicsclasses, at the time that you would be using the club?

• What are the real costs? Make sure you understand all rates,charges and fees because these can vary widely, and many clubsrequire contracts ranging from a few weeks to a year or more. Besure you’re entitled to use all facilities, such as pools and spas atno extra charge.

• Is child care available if you need it?

• Is there adequate parking available if you need it?

One way to find out whether a club is right for you is to try it outfor a few days. Some clubs offer a special guest pass forprospective members. But even if you have to pay for a week to tryit out, it’s better to spend the money than to make a long-termcommitment to a club that doesn’t work out. Try the club during thehours you will normally be using it. It will give you a realistic idea ofwhat the club environment while you are there.

It’s important to read health club contracts carefully. Don’tassume the club offers classes such as aerobics as part of themembership. While some do, others charge extra. If the health clubrequires a long-term commitment, find out whether you’ll be able toget a refund if you need to cancel your membership due to a jobtransfer, an injury or if you simply find that the club isn’t working foryou.

It’s a fact that of every three people who join a health club, onlyone will work out there 100 days a year. Find a club that you arecomfortable with and you will greatly increase your chances ofbeing the one of three people that are there more than 100 days ayear.

NewMarket Services wishes you good health.




Coping With ChangeDid you know that your body and mind sense change as stress?

Whether you change the place you live or where you work, it alladds up to stress. The more changes that come at one time, themore stress you experience.Self-Image

Your attitudes towards change often depend on your self imageand expectations of how difficult it may be. Your self image is theinner vision of who you are. It is the basis of your every thought,word and action. Moving, with the many changes it entails, offers anexcellent opportunity to modify and/or improve your self imagethrough the risks of taking positive action.

Some people welcome change as a challenge or an exciting newexperience. Others may resent the inconvenience and extra effortthey need to make to re-establish a comfortable routine. Still othersfeel overwhelmed by the unknown and are not sure where to go orto whom to turn.

Often, stress causes old issues, defeats or concerns toresurface. Perhaps new worries and fears form unexpectedly, oryou feel tired and fatigued most of the time. Decision makingabilities are affected, and you seem to be having less fun andenjoyment. These are all telltale signs of stress brought on bychange.

When signs of stress affect you, it may be a time of emotionaltransition, indicating old behavior patterns are not as effective asthey once were. This is often a good time for self-reflection-to lookat what you like in yourself and what you do not like.Stress

When you relocate to a new city, all categories of your life arechanged. Along with the obvious changes listed above, moving toa new community requires finding new sources for familiar services.Finding a new hairdresser, barber, drugstore, food market, doctor,lawyer, cleaner and shoemaker are all necessary. You not only haveto locate these services, but you need to determine if you aresatisfied with the quality of the services provided. Forming acomfortable working relationship with the service provider addsmore stress to the change itself.

Perhaps your whole lifestyle changes if you are moving from asmaller or larger community. With long-distance moves, you willhave to make new friends and develop a different emotional supportsystem. When these changes are not made through your ownchoices, but are the decisions of a boss or someone in your family,then the stress is even greater. Children have to make changesbecause of their parents. They need special help and understandinggetting settled in school and making new friends. Often, they willhave difficulties as they adjust to the new surroundings.

Changes produce stress not only within yourself, but also withthe people with whom you are close. It may cause you to reactdifferently from your usual behavior. If you are in a relationship ormarriage, you may find more tension developing, with less patienceor tolerance of the other person. If you live alone, not knowingwhere to go to make new friends can bring feelings of isolation andloneliness.

Creatures of HabitPsychologically, most of us are creatures of habit and quickly

develop repetitive patterns that make us feel comfortable andsecure. Ever notice that most people find the same seat or sectionof the commuter train or bus? Drivers usually take the same routeevery day. We do this in order to reduce stress.

The sameness of established behavior develops a sense ofcontrol over ourselves and surroundings. By seeking repetitivehabits, we save our energy for new events that are eitherunpredictable or uncontrollable. When change removes thesameness from our lives, we attempt to relieve the tensionproduced by uncertainty and newness. We look for ways to developother familiar patterns.

Management of ChangeTo manage change effectively, several simple steps will help you

adjust to the newness and extra effort needed to establish differentpatterns in your life.

• Organize your time so you can finish the tasks you have planned.

• Have realistic expectations. Do not plan to complete everythingwithin the first few weeks.

• List your priorities and finish each one before you go on to thenext.

• Provide your body with recreational time and time to relax.

• Trust your first impressions; they are most often right.Periods of change can offer you an opportunity for growth within

yourself. Professional consultation may be useful during this period.



Choosing a Primary Care ProviderOne of the most important decisions that you will make in your

relocation process is choosing a Primary Care Provider for you andyour family. Don’t put off the decision until you get sick. Your PCPwill be responsible for approximately 90% of your health care. Therelationship you develop with this health professional can be the keyto keeping illness at bay, and it is your best connection into the restof the medical system. Your PCP can help you seek appropriateconsultations with specialists if or when the medical problem isbeyond the realm of his expertise.

A generation ago, people relied on General Practitioners (GPs) forall their medical needs, from treating colds, and backaches tosetting broken arms and delivering babies. The competent GPknew the medical histories of every member of a patient’s familybecause he treated them all. Today, Primary Care Providers arebringing this tradition back with the addition of providing preventivehealth measures. More emphasis is now placed on preventivemedicine. You are now responsible for the health of you and yourfamily by making informed decisions, improving your diet andexercising. A primary care provider (PCP) is a general practitionerwho sees people of all ages for common medical problems. YourPCP is often involved in your care for a long time, so it is importantto select someone with whom you will work well. You will want tochoose someone that emphasizes wellness and self-care by givingyou the information needed to make healthy lifestyle choices andhealth care decisions.

Below are some guidelines to help you make your decision.

Begin by Gathering Some Choices.

• Before you move ask your current health care provider for areferral. You can also ask other doctors you respect and seeregularly.

• If you belong to a managed care plan, find out what doctors areaffiliated with it.

• Ask friends, relatives or business associates. Referrals frompeople you know are usually based on trust and confidence in theprovider.

• Hospitals usually offer a referral service that can provide you withthe names of staff doctors who meet certain criteria you may beseeking, however they will not vouch for the quality of care.

Guidelines to Narrow Your Choices

• Insurance – With the risings costs of health care, be sure yourinsurance will be accepted.

• Professional credentials - any provider you consider should havegraduated from an accredited medical school, and be surethey’re board certified.

• Professional affiliations - Your provider should be affiliated with alarge, well-equipped hospital, either as a staff member or as anattending physician, a title that carries with it admitting privileges.

• Practice arrangements - You may choose a solo practitioner or agroup practice, in which two or more doctors in the samespecialty or different specialties share the same office.

• Location and office hours - If these aren’t convenient, you mayhave a difficult time making an appointment.

Make a Consultation Visit and Consider the Following

• Office is clean and the staff is courteous and helpful.

• You are seen by the doctor within a reasonable time of yourappointment or you are given a good explanation for any delay.

• You are not rushed through the visit. The provider listens to you,does not interrupt you and encourages you to voice yourconcerns about your health.

• The doctor is well-informed about preventive health measures,such as nutrition, exercise and the widely recommended use ofscreening tests. He should be quick to inform you of healthylifestyle choices.

• You’re comfortable talking to the doctor and the doctor explainsthings so that you can understand.

Most importantly, don’t put off the decision until you get sick. If ahealth care problem arises, and you have not yet chosen a provider,it is usually best to seek non-emergency care from an “urgent carecenter” rather than a hospital emergency room. This will often saveyou time and money. However recent years, many emergencyrooms have expanded their services to include reasonably pricedurgent care within the emergency room itself or an adjoining area—to find out, call the hospital first.


V O L U N T E E R I N G I N Y O U R C O M M U N I T Y

One of the best ways to become involved in your new communityis through volunteering. The benefits of volunteering are many, foreveryone involved. Ask your employer for advice. Many companiesgive employees paid time off to volunteer and will often publicizetheir employees’ community service. According to the researchgroup Independent Sector, the U.S. volunteer sector is equivalent to9 million full-time workers. Whether you have an hour or a weekend,if you want to help kids or the environment, there are greatorganizations that will excite your particular interest, broaden yourhorizons and fit into your time schedule.

Don’t forget to include your family. If your children are school agechances are there are many opportunities to volunteer at theirschool, or even in their classroom. That is a great way to meet otherparents with children the same age. Clean up a neighborhood parkwith your children. Spend a morning at a homeless shelter with yourchildren. You’ll find that volunteering is not only a fun family-bondingexperience but a great way to teach children the importance ofgiving back to the community.

How you get involved with your community depends on yourinterests, skills and time. Choose something that fits well in to yourschedule and makes you excited about working together to helpmake a difference. Every person has that capability. Each of us canright a wrong, fill a plate, visit a shut-in or clean up a park, and thatdoes make the world a better place.

There are several things to consider when choosing in what toinvolve yourself. First of all be selective, think about what matters toyou, and where you wish to spend your time. If you have certainsocial issues that you feel passionate about, it’s a great place to putyour energy. You may have particular skills that will steer you towarda certain organization. Are you willing to explore new opportunities?Volunteering can teach you valuable new skills that you may use inother parts of your life.

Many people are reminded of their wish to volunteer duringholiday seasons, but this is when organizations might have anexcess of help. If you want to volunteer during the holiday,remember to contact the organization in advance. Otherwise, timeyour work for the lean season.

Volunteering is fun, leads to learning new skills, meetinginteresting people, making new friends, sharing your talents, andkeeping in touch with the community in which you live. Whether it isimportant to you to solve a community problem, advance a worthycause or to develop as a person, volunteering offers many benefitsin appreciation for the gift of your time and expertise.

Once you have chosen an area of interest, how should you goabout involving yourself? See what the Web can do for you. 1-800-Volunteer.org, a service of the Points of Light Foundation &Volunteer Center National Network provides listings of local andvirtual volunteering as well as contact information for VolunteerCenters across the nation. Open the classified section of your localpaper. Check out the bulletin boards in your office. Or just startcalling the local agencies you’re interested in.

One of the best ways to make these contacts is to walk right intothe organization—a library, a shelter, training facility, or a politicaloffice—and find out who organizes volunteers. You can tell a lot bymeeting the volunteer coordinator and any volunteers who happento be on duty. While you won’t earn a paycheck for volunteering,you will earn valuable experience, a sense of accomplishment, andthe satisfaction that only comes from personally making the world abetter place to live.

"You make a living by what you get, but you make a life by what you give."

- Winston Churchill

45

H O U S I N G

MAKING THE RIGHT CHOICE…

Rent or Buy?The decision to rent or buy in your new location is dependent upon many considerations

unique to your personal situation. Some of the potential factors involve the tax implications,down payment, other investment vehicles, the length of time you are anticipating being in yournew location and whether or not your current home has sold.

If you decide to buy, should you purchase an existing home or build a new one? Again,many factors have to be considered. Will an existing home need a lot of repair or remodelingto bring it to your standards? What about the difference in the cost of operation andmaintenance between new and an existing structure? How should you finance a renovation?Which home will appreciate faster? Will it be difficult to get a construction loan? Is it better torent for a while to become familiar with neighborhoods in your new city? What about capitalgains tax if you don’t close in time?

We suggest you seek the advice of a certified financial planner and a realtor to thoroughlyclarify your options. These choices can become quite complex.

Some Advantages to Renting

Whether you’re in your first apartment or a longtime resident, there are many advantagesyou are afforded by choosing apartment living.

Mobility: You enjoy the freedom to move, to accept that better job, to take the vacationyou’ve dreamed of.

No maintenance: Just relax and delight in the grounds and facilities maintenancetechnicians keeps attractive for you.

Flexibility: You have the ability to increase or decrease your living space without the burdenof sales pitches, closing costs, interest rates or the high cost of maintaining a home andproperty.

Location: The choice is yours!

Recreation: Chances are, you’ve chosen an apartment community with a swimming pool,tennis court, weight room or sauna. Apartments have the equipment and people to maintainthem, which is no small task for the homeowner.

No waiting: If you’re like most apartment residents, moving into your apartment was easyand fast. You settled into your new home without lengthy paperwork, a loan approval periodor a large financial investment.

Your Current Residence As you prepare to move, a big decision may include whether to sell or rent your current

property. Ask yourself the following questions as you make this decision. You may also wantto ask advice from a real estate agent.


Milwaukee Information Guide [


M A K I N G T H E R I G H T C H O I C E

MarketIs it a seller’s market? Signs include low interest rates and

shortage of homes for sale. How long have similar homes been onthe market and how long are you willing to let your home be on themarket? Or is it a good rental market and do rental units have tenantwaiting lists? Is your property in a trendy area? Desirable areastypically garner higher rents and seldom have vacancies.Financial

Is this property good for rental income? Can you charge more forrent than you pay for mortgage, taxes and upkeep? How will sellingaffect your federal and state tax situation? Furthermore, if yourproperty does not sell quickly, can you afford to keep the homevacant while it’s on the market? If not, do you feel you will be ableto find a renter on a short-term basis? Are you likely to want to moveback into the home some day? Rental Tips

Apartment experts say that some detective work is needed toconduct a search that finds the most livable rental residence for themoney. After you have weeded out a good apartment complex frommany rent signs and/or listings, scanned the neighborhood you likefor the best rental possibilities, you will be ready to scrutinize eachproperty and landlord for shortcomings. It is easy for a prospectivetenant to gather quick clues about the general care, maintenance ofthe building, and cleanliness of the area overall. Try to talk to thetenant who is vacating the apartment you are planning to rent. Heor she can tell you a great deal about the pluses and minuses ofliving there. Here are some tips for inspecting the inside of theapartment:

Is it clean? Carpet should be cleaned and walls/ceilings shouldbe freshly painted. Does the apartment have a bad odor? It couldbe a tip that the prior tenant had a pet or cooked spicy foods.

Check room sizes with a floor plan. Make sure the furniture thatyou will be moving will fit. Is the bedroom near the bathroom? Doesthe dining room adjoin the kitchen?

Inspect kitchen appliances. Check the stove to see if all burnerswork. Does the range have a hood with a fan? Is the oven self-cleaning? Is the stove gas or electric? If it is gas, you may have anextra monthly charge for cooking gas. This would also be true if youhad a gas clothes dryer in your unit. Check out therefrigerator/freezer for storage space. Is there enough counter andcabinet space? Don’t forget to keep an eye out for bugs, especiallyin a high-rise building.

Inspect the central air conditioning and heating systems. Askother tenants if there is enough heat in the winter. It can be costly ifyou have to buy or rent window air conditioning units.

Is there enough storage space? Do you have enough closets forclothes, linens and general items. Are there built-in shelves andbookcases for books and DVDs? Do you also get a storage spacethat is not adjacent to the unit?

Does the building have special amenities such as a swimmingpool, game room, barbecue area, and exercise room or tenniscourts? Keep in mind that recreational amenities generally willincrease your rent. You should consider what features you will reallyuse.

How is the noise level in the complex? Have neighbors beenplaying music louder than you prefer? Are you located by a majorairport, freeway or train tracks?

Do you need an apartment that takes pets? If not, do you wantto live in an area that does? Do tenants appear to be cleaning upafter their pets? What is the management policy for pet size andmaintenance?

Rental experts suggest that tenants should tour severalapartment complexes before placing a deposit on a unit. Theminimum deposit to hold a unit is usually $100. Prospective rentersstill need to fill out an application and pay an application fee. Thiswill hold your unit while your employment, credit and rental historiesare being checked out. This process usually takes 7 to 10 days tocomplete.


C H O O S I N G T H E R I G H T H O M E

Making a final decision and determining which house to make anoffer on shouldn’t be taken lightly. The decision should be maderationally and not guided by emotion. You most likely won’t have theluxury of taking your time on deciding which house you’d like topursue. However, since it is such a major decision you would like tobase it on factual information. Some broad categories to considerare:

AppreciationAsk your real estate agent to retrieve sales of homes in the

neighborhood over the past few years. If one neighborhood showsan annual average 8 percent increase and another is skyrocketingat 15 percent, you may have your decision made.

CrimeGo to the local police or sheriff department and ask about crime

in your specific neighborhood. You might find theft or vandalism tobe more prevalent in one area than another. Also please visit thewebsite, www.familywatchdog.us. When you visit this site you canenter your address and a map will pop up with your house as thesmall icon of a house and red, blue, green, dots surrounding yourentire neighborhood. When you click on these dots a picture of aperson will appear with an address and the description of the crimehe or she had committed.

Drawbacks

Rarely will you be lucky enough to find a perfect place. Thinkabout the cons associated with each house and determine tocorrect them or how much of a negative impact each will have.

The HouseMake a list of the amenities and attributes you want your house

to have. Be specific. Prioritize that list. Then, rate how each housemeasures up to each need on your list.

NeighborhoodsIf you have kids or pets and being close to a park is important,

you’ll want to consider that. How close are shopping, restaurants,churches, and other services? Are the streets maintained? How doyour prospective neighbors keep up their property? How long willyour commute to work be?

Property Taxes Property taxes may vary from one neighborhood to another. This

can sometimes affect whether you view a community as a desirableplace to live. Higher property taxes often mean newer and moremodern schools, well-maintained roads, and bountiful communityservices.

SchoolsIf you have school-aged children and plan to send them to public

school, you definitely want to consider the reputation of theneighborhood school. If you plan on sending your child to a privateschool, how long is the commute? You will likely spend a lot of timedriving your child not only during the school day but for extra-curricular events outside the daily school schedule. Which everschool you decide, you can usually find general district informationand state standardized test results online. Always plan a visit to theschool and receive the information first-hand from schooladministrators. You should also talk to teachers and parents.

Sellers’ SituationsIf you don’t know already, ask your real estate agent how long the

house has been on the market. Usually the longer a house has beenlisted, the better chance the seller will accept an offer lower thanasking price. Conversely, if the house has been on the market forjust a couple days, the sellers will probably wait for a better offer ifyou offer less than the listed price. Your real estate agent might alsobe able to dig up additional information about the sellers, like whythey’re selling. If it’s a job-related move or a divorce, the sellers likelywant to move as quickly as possible, meaning you have a bettershot at them accepting a lower price.

Style and Substance The SUBSTANCE are things that cannot be changed such as the

location, view, size of lot, noise in the area, school district, and floorplan. The STYLE represents easily changed surface finishes likecarpet, wallpaper, color, and window coverings. Buy the house withgood SUBSTANCE, because the STYLE can always be changed tomatch your tastes.


H O M E I N S P E C T I O N C H E C K L I S T

Finding faults in a home doesn’t necessarily mean you shouldn’tbuy it. But it will help you to know the type of repair costs thatshould be anticipated, and sellers often will make adjustments intheir asking price on the basis of problems discovered in aninspection.

Inspectors look for the following:

Brick and ConcreteCheck pavement, driveways and horizontal brick surfaces for

cracks. Is there damage from freezing? What is the condition of themortar between the bricks? Is any pavement buckling fromspreading underground tree roots?

ElectricalOpen the door on the fuse box or circuit-breaker panel. Is the

electrical service adequate? The average house should have 100-amp service. Is it wired for 220 volts, which is necessary for electricdryers and ranges?

ExteriorIs the house well maintained? Does the roof sag? Are the exterior

walls out of line? What is the condition of the paint, especially on thesouth and west sides, where sun exposure is greatest? Is thereadequate drainage away from the house?

Heating & CoolingHow old is the heating/cooling system? Has it been maintained?

Ask to see the owner’s cooling bills for the previous year. This willgive you an idea of its energy efficiency.

InsulationCheck the attic and crawl space. Is the insulation adequate and

complete? Has it been properly installed? Does the insulationobstruct the air vents, preventing the house from “breathing” andpossibly causing wood rot? Does the home have storm windows?

InteriorThe kitchen and baths are the most expensive rooms to

renovate, so check their condition carefully. A newly-painted interiormay look nice, but it could be hiding something.

PlumbingTurn on the bathroom sink faucet and shower and then flush the

toilet. When the toilet starts to refill, does the water pressurediminish? Fill sinks and tub with three inches of water. Do they drainproperly? Do faucets leak? Lift up the carpeting. Are there any signsof flooding or decay?

RoofAre shingles curling and lifting? Find out how old the roof is, and

you will have a pretty good idea of when you will have to replace it.

Termites and Carpenter AntsLook for evidence of termites and carpenter ants on basement

wood framing. Is there saw dust like wood or paper debris? Canyou find evidence of termite tubes or tunnels? Termites live in earth,so make sure that there are no places where earth is closer than sixinches to wood. Like termites, carpenter ants like wood and woodproducts.

Water DamageLook in the basement for signs of leakage. This could be a result

of poor drainage around the house. Water damage also is causedby seepage through porous basement walls and condensation,which frequently is caused by inadequate ventilation. Basementwalls painted a dark color may be an effort to disguise a pastproblem. Beware of chalky white water stains on foundation wallsor partitions; stains on wood and drywall; delamination of panelingand lifting or buckling floor tiles; or a damp, mildew odor.

Windows and DoorsHas the glazing putty dried and shrunk, allowing water and air

seepage? Is the wood decayed? Are the window and door framescaulked and weather-stripped?


You’ve finally done it—you’ve just moved into your brand newhome. The smell of fresh paint still permeates the air. You’re likelyconsumed with unpacking, setting up furnishings, rearranging,decorating—energized by the blank pallet you have to work with.But once you’ve signed the thick pile of closing documents, themoving trucks have left and everything is neatly in its place, what doyou do next? It’s time to get a handle on the routine maintenanceyou’ll need to perform in order to ensure that you and your familylive comfortably in your new home for years to come. Here’s someadvice to get you started and help save money while you’re at it:

Maintaining a clean home will ensures it will last longer and worksbetter. Dust and dirt, if allowed to accumulate, can harm the finisheson blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls,tiles and other items. If dirt does accumulate, make sure to clean itwith a substance that does not scratch or damage the finishes.

On the outside of your home, make sure that gutters anddownspouts do not get clogged with leaves or other objects. Theexterior of your house is built to withstand exposure to theelements, but a periodic cleaning will improve the appearance and,in many instances, prolong the life of siding and other exteriorproducts.

When you bought your home, you probably received a warrantyfrom the builder on workmanship and materials. This warrantyapplies to problems related to the construction of the home, but itdoes not apply to problems that arise because of failure to performroutine maintenance. For example, if your roof begins to leak aftersix months because of faulty workmanship, your warranty wouldcover that. If you develop a problem because water backed up inclogged gutters that you should have cleaned, the builder is notresponsible for repairs. Also, some items, such as appliances, maybe covered by manufacturers’ warranties and are not theresponsibility of the builder.

You should fully familiarize yourself with the terms of yourwarranty soon after you move into your home. With all theexcitement surrounding a move into a new home, most people havelittle desire to curl up in front of the fireplace and read a legaldocument. Nonetheless, you should not wait to read your warrantyuntil a problem arises. Set aside an hour to learn what your rightsand responsibilities are from the outset.

Here are some additional tips for properly maintaining specificsystems in your new home.

AppliancesRemember to read the instruction manual for every appliance in

your new home. The manuals provide recommended cleaning andmaintenance schedules and sometimes your warranty will becomevoid if you don’t follow these recommendations.

DrivewaysIf you have an asphalt driveway, remove oil, gasoline and similar

substances immediately with soapy water.

To avoid holes in your asphalt driveway, refrain from resting patiofurniture or bicycle stands on it.

Do not burn anything on your driveway.

Gutters and DownspoutsClear away leaves, tree limbs and other debris from gutters and

downspouts.

Downspouts should be turned away from your home’sfoundation.

Every four to six years, paint gutters that are not are made ofaluminum or vinyl to help prevent rust.

Heating and Cooling SystemsLate summer or early fall are the ideal time to do an annual

inspection and cleaning of these systems.

Make sure you change the filters every three months.

Keeping your pilot light burning during the summer will help keepthe furnace dry and prevent corrosion.

Registers help regulate the flow of air and maintain the desiredtemperature in your home. Keeping registers closed in rooms youdon’t use will save on cooling/heating costs.

Using heat generating appliances in the evening and reducing thenumber of lights on will help keep the temperature down and saveon costs during the summer.

PlumbingEvery member of your family should know where the intake

valves are located. Label each one.

If any of your appliances develops a leak, inspect your drain trap.A partially clogged drain can cause overflow. Use a plunger or aplumber’s snake to unclog the drain. If you need to, use boilingwater to help unclog a partially opened drain. Call a plumber if thesetechniques don’t work.

A worn washer, a loose part in a faucet or steam in a hot waterpipe generally causes a noisy pipe. Do not hesitate to repair thenoise because vibrations can follow the noise and lead to leaks.

H O M E C A R E B A S I C S F O R N E W H O M E O W N E R S


S E C U R I T Y

Each year more than six million residential burglaries occurthroughout the United States. That’s one every ten seconds! Inaddition to the worry of home burglaries, we now also need toconcern ourselves with computer hackers and personal identitytheft. Listed below are some things that you can do to reduce yourchances of becoming a victim.Home Security Checklist

• Have home security system professionally installed that offers a24 hour monitoring system. Make sure to post the home systemstickers and window decals: this should alert and deter would beintruders.

• Never stop mail or newspaper deliveries, it signals that you areaway. Have a neighbor pick up all deliveries if possible.

• When recording your answering machine message, do not statethat you are not home or out of town.

• When leaving for an extended period, put lights and stereo ortelevision on a timer to give the appearance that someone ishome.

Exterior/Interior Security

• Replace all locks immediately upon moving into your new homeand install deadbolts on all outside doors.

• Secure your sliding glass doors with pins to prevent all horizontaland vertical movement. Also install security film over the glasspanes for additional protection.

• Remember to lock all doors and windows.

• Provide remote panic buttons for children and/or elderlyresidents.

• Never keep garage door openers in cars that are parked outsideof your home.

Keep Your Valuables Safe

• Keep your important papers, heirloom jewelry and large amountsof cash in a safe deposit box.

• Engrave your valuables with your social security number ordrivers license number.

• Store jewelry, firearms, furs and like in a small closet with a non-hinged solid core door that has a deadbolt.

• When purchasing new electronic equipment, breakdown cartonsbefore discarding them. This way you avoid advertising your newpurchase to the entire neighborhood and drive-by observers.

Computer SecurityComputer security is the process of preventing unauthorized use

of your computer.

• Use of anti-virus software on all Internet-connected computers.Be sure to keep your anti-virus software up-to-date.

• Use of some type of firewall product, such as a networkappliance or a personal firewall software package.

• Turn off your computer or disconnect its Ethernet interface whenyou are not using it. An intruder cannot attack your computer if itis powered off or otherwise completely disconnected from thenetwork.

• Use software backup tools if available, and store the backupdisks somewhere away from the computer.

Identity TheftIdentity theft occurs when someone uses your personal

information without your permission to commit fraud or othercrimes. While you can’t entirely control whether you will become avictim, there are steps you can take to minimize your risk.

• Shred financial documents and paperwork with personalinformation before you discard them.

• Protect your Social Security number. Don’t carry your SocialSecurity card in your wallet or write your Social Security numberon a check. Give it out only if absolutely necessary or ask to useanother identifier.

• Don’t give out personal information on the phone, through themail, or over the Internet unless you know who you are dealingwith.

• Never click on links sent in unsolicited emails; instead, type in aweb address you know.

• Don’t use an obvious password like your birth date, yourmother’s maiden name, or the last four digits of your SocialSecurity number.


T A K E C O N T R O L O F Y O U R E N E R G Y C O S T S

The cost of cooling your house continues to rise . There are anumber of ways you can save a significant amount of money onyour energy bills. In fact, it’s possible to save up to 25 percent onyour power bill by using the following tips. While your results mightvary, you’re guaranteed to find at least a few ways to save money.The idea behind all our advice, and in fact our entire conservationeffort, is to give you the information you need to make the rightdecisions.

These simple steps don’t cost a thing, but can potentially saveyou 10-25% on your monthly energy bill.

• Turn off lights and appliances when not in use. Don’t forget yourcomputer - it can use as much energy as a refrigerator. Most newcomputers have “sleep” settings.

• In the cold months, set the thermostat to 68 degrees whenhome, and then back to 58 degrees when sleeping or when youare not home more than four hours.

• In warm months, set the thermostat to 78-80 degrees whenhome and 5 to 10 degrees warmer at night or when you’re nothome.

• Do not turn your air conditioning off in the hot months whenyou’re not home. Your house will store up the heat and you’relikely to make the air conditioning run for hours to feelcomfortable.

• In the winter, open window coverings on the sunny side of yourhome to take advantage of “free heat from the sun” Close thecoverings on cloudy days or right after the sun sets.

• In the cooling season, close blinds and drapes during the day tokeep heat out.

• Also, use your dishwasher, clothes washer and dryer, and cookas late in the evening as possible.

• Barbecue outside if practical, keeping in mind the heat and effectof sun on your body. By reducing the heat coming into your homefrom any source, will reduce the load on your air conditioning.

• Use pool trippers to reduce the time your swimming pool pumpruns on—eight to twelve hours a day is plenty in the summermonths, less in the winter months.

• Set your water heater to 120 degrees.

• Vacuum your refrigerator coils (underneath and in the back) anddon’t obstruct the coils. They need air space to work.

• Keep the seals (gaskets) on refrigerators and freezers clean.

• Keep your freezer as full as possible. You can place containers orplastic bottles filled with water in the empty spaces.

• Make sure food is cool and covered before it goes into therefrigerator.

• Close doors to rooms that are not being used.

• Run full loads in your washer and dryer, and use “solar drying”(clotheslines).

• Use energy saver option on your dishwasher, allowing dishes toair dry.

• If you A/C unit is on the ground, keep the area around it clean andfree of obstructions to maintain air flow.

• Unplug your televisions/VCR when you’re on vacation. Most newsets draw power even when they’re turned off.

• Keep lights and lighting fixtures clean, especially if you’rereducing the number of lights you use. Dirt absorbs light. Letlights cool before cleaning them and never touch halogen bulbswith your bare hands. The oil from your skin can greatly damagethe bulbs. Use a small piece of paper to hold the bulb.

• If your dishwasher has a filter clean it.

• Clean the reflectors underneath the burners on stovetops.

There are plenty of low cost, easy to do projects or steps you cando to save another 10-25% on your energy bill.

• Use compact fluorescent bulbs instead of incandescent ones.This will typically save $1 per bulb changed out (for bulbs running4-6 hours per day) and reduce heat in your home. Regular bulbsuse most of the electricity to generate heat so use care whenchanging bulbs.

• Caulk windows and caulk and weather-strip doors. Keep theoutside air out and the inside air in.

• Install a hot water heater blanket but be careful not to cover ventsor temperature settings.

• Install hot water pipe insulation. Do keep the insulation at least sixinches away from the flue (exhaust pipe) of gas water heaters.

• Plant trees and shrubs on the south and west side of yourresidence. The vegetation acts as insulation and providesshading, reducing thermal gain in a building.

• Fix leaky faucets Install low flow showerheads.

• Use room fans to keep the air moving and reduce the feeling ofheat in your home.

• Replace furnace and air conditioner filters. Spray the filters with alight coating of lemon furniture polish or vegetable oil cookingspray to help trap dirt in the filter.

• Check the seals on your refrigerator and freezer.

• Replace normal thermostats with programmable thermostats.


As you start shopping for a new home, you may encounter someunfamiliar words and terms. The following glossary will help get youthrough the maze of buying a home.

Adjustable-Rate Mortgage (ARM) Loan with an interest rateadjusted according to movements in the financial market. Manyoffer lower-than-market initial interest rates that rise only graduallyfor the first few years.

Annual Percentage Rate (APR) Annual cost of credit over the life ofa loan including interest, service charges, points, loan fees,mortgage insurance and other items.

Appraisal Unbiased, professional opinion of a property’s valuebased on its style and appearance, construction quality, usefulnessand the value of comparable properties.

Assessment Tax levied on a property or a value placed on theworth of a property by a taxing authority.

Assumption Transaction allowing a buyer to assume responsibilityfor an existing loan instead of getting a new loan.

Broker (Real Estate) Person who receives a commission or fee forbringing buyer and seller together and assisting in the negotiation ofcontracts between them. A license is required in most states.

Building Code Local regulations controlling design, constructionand materials used in construction. Building Codes are based onsafety and health standards.

Buydown Subsidy, usually paid by a builder or developer, to reducethe monthly payments on a mortgage loan.

Buyer’s Agent A real estate agent who represents only the buyerin a real estate transaction.

Callback Request by a homeowner for a builder to handle a servicerequest.

Cap Limit to the amount an interest rate or monthly payment canincrease for an adjustable-rate loan either during an adjustmentperiod or over the life of the loan.

Certificate of Occupancy Document from an official agency statingthe property meets the requirements of local codes, ordinances andregulations.

Chain of Title History of all documents transferring title to a parcelof real property, starting with the earliest existing document andending with the most recent.

Change Order Homebuyer’s written authorization to add, delete orchange an item specified in a contract.

Closing Meeting to sign documents that transfer from a seller to abuyer. (Also referred to as settlement.)

Closing Costs Charges paid at settlement for obtaining a mortgageloan and transferring a real estate title.

Commission Agent’s fee for negotiating a real estate or loantransaction, often expressed as the percentage of the sales price ormortgage amount.

Conditions, Covenants and Restrictions (CC and Rs) Standards thatdefine how a property may be used and the protections thedeveloper makes for the benefit of all owners in a subdivision.

Contingency Condition that must be met before a contract isbinding.

Convertibility Ability to change a loan from an adjustable rateschedule to a fixed-rate schedule.

Covenant Agreement between seller and buyer on a piece ofproperty, restricting the use of that property. (Also called deedrestriction.)

Deed Legal document representing property ownership.

Default When a borrower fails to make the required payments ofa mortgage contract.

Density The number of homes built on a particular acre of land.Allowable densities are determined by local jurisdictions.

Debt-To-Income Ratio Long-Term debt expenses as a percentageof monthly income; used by lenders to qualify borrowers formortgage loans.

Due-on-Sale Clause in a mortgage contract requiring the borrowerto pay the entire outstanding balance upon sale or transfer of theproperty.

Earnest Money Sum paid to the seller to show that a potentialpurchaser is serious about buying.

Easement Right-of-Way granted to a person or companyauthorizing access to the owner’s land. For example, a utilitycompany may be granted easement to install pipes or wires. Anowner may voluntarily grant an easement or can be ordered to grantone by a local jurisdiction.

Equity Difference between the value of a home and what is owedon it.

Escrow Handling of funds or documents by a third party on behalfof the buyer and/or seller.

Escrow Amount Amount set up by a lender into which periodic,usually monthly, payments for taxes, hazard insurance,assessments and mortgage insurance premiums are made. Fundsare held in trust by the lender who pays the sums as they becomedue.

Fair Market Value Price at which property is transferred betweenwilling buyer and willing seller, each of whom has reasonableknowledge of all pertinent facts and neither being under compulsionto buy or sell.

Federal Housing Administration (FHA) Federal agency that insuresmortgages with lower down payment requirements thanconventional loans.

Fixed-Rate Mortgage Mortgage with an interest rate that remainsconstant over the life of the loan.

Hazard Insurance Protection against damage caused by fire, windstorms or other common hazards. Many lenders require borrowersto carry it in an amount at least to the mortgage.

HVAC Common building industry abbreviation for heating,ventilation and air conditioning systems.

Index Interest rate or adjustment standard that determines thechanges in monthly payments for an adjustable-rate loan.

H O M E B U Y E R ’ S G L O S S A R Y


H O M E B U Y E R ’ S G L O S S A R Y

Infrastructure Public facilities and services needed to supportresidential development, including highways, bridges, schools andsewer and water systems.

Inspection Examination of work completed on a structure todetermine compliance with building code and other coderequirements.

Joint Tenancy Form of ownership in which the tenants own aproperty equally. If one dies, the other automatically inherits theentire property.

Loan Origination Fee Lender will charge a fee for the cost ofprocessing the loan, usually calculated as a percentage of the loanamount.

Loan-To-Value-Ratio Relationship between the amount of a homeloan and the total value of a property.

Lock-In Rate Commitment from a lender to make a loan at a pre-set interest rate at some future date, usually for not more than 90days. A fee may be charged to “lock-in” a rate.

Mortgage Commitment Formal written communication by a lenderagreeing to make a mortgage loan on a specific property, specifyingthe loan amount, length of time and conditions.

Mortgage Origination Fee Charge for the work involved in preparingand servicing a mortgage application.

Permit Document issued by a local government agency allowingconstruction work to be performed in conformance with localcodes. Work may not commence until permits have been obtained,and each permit issuing agency must inspect the work at certainspecified points during construction.

PITI Principal, interest, taxes and insurance: the four majorcomponents of monthly housing payments.

Point One-Time charge assessed by the lender at closing toincrease the interest yield on a mortgage loan.

Presettlement Walk-Through Final inspection of house prior toclosing, conducted by builder and buyer.

Principal Amount borrowed, excluding interest and other charges.

Property Survey Survey to determine the boundaries of a piece ofproperty. Cost depends on the complexity of the survey.

Recording Fee Charge for recording the transfer of a property, paidto a city, county or other appropriate branch of government.

Specifications Contractual document describing in detail the workto be performed; method of construction; standards ofworkmanship; quality, type and manufacturer of materials andequipment for a particular project.

Tenancy in Common Form of ownership in which the tenants ownseparate but equal parts. To inherit the property, a surviving tenantwould either have to be mentioned in the will or, in the absence ofa will, be eligible through state inheritance laws.

Title Evidence, usually in the form of a certificate or deed, of aperson’s legal right to ownership of a property.

Title Insurance Insurance against any title defects that may existprior to the time the title is passed from one owner to the next, andwhich may come to light in a future transaction.

Veterans Administration (VA) Federal agency that insures mortgageloans with very liberal down payment requirements for honorablydischarged veterans and their surviving spouses.


ArchitectBuilding design professional who has completed all required

university training in architecture and passed state licensing exams;initials A.I.A. and F.A.I.A. indicate membership in a professionalorganization, but not licensed status.

Builder or General Contractor The buck stops with him or her in construction projects. The

general contractor secures bids for all work and materials; hires,coordinates and oversees subcontractors; files for permits andarranges for inspections; and generally makes the final decisions inall construction-related matters.

Building Inspector One or more local officials who oversee and regulate every phase

of residential construction. Regulations vary widely. In most statesarea home construction meets standards contained in the UniformBuilding Code. In addition, applicable provisions of the Uniform Fire& Plumbing/Mechanical & Electrical codes are enforced. Typically,permits are issued and inspections are made at key stages ofconstruction by County and City building code enforcementdepartments.

Building DesignerGenerally unlicensed professionals (license not required for

practice) who, by experience, are competent to design homes,prepare drawings and write specifications; they often work inassociation with licensed architects.

Construction Manager/ForemanThe general contractor’s right-hand man. A construction

manager can be on site when the general contractor is not.

Design/Build FirmsAn organization that provides both architectural planning and

general contracting services, and offers a different approach to theconventional arrangement in which the designer and builder areseparate entities.

Interior DesignerSpecialist in decoration and furnishing; special training and

licensing not required. Initials A.S.I.D. following individual’s nameindicate membership in a professional association, for whichtraining and passing tests are required.

Kitchen /Bath DesignerSpecialist in designing these rooms; initials C.K.D. and C.B.D.

indicate certification by a professional association, for which trainingand passing tests are required. License is not required for practice.

Landscape Architect Specialist in landscape and garden planning; primary concerns

include site selection, grading, access, drainage and protection ofexisting plant material. License required for practice.

LenderThe financial institution that provides construction loan financing

during construction and permanent financing for the home buyerafter the home is built and there is a property settlement, referred toin our area as closing. Most lenders make what is referred to as“end loans” which is the loan made to the buyer of a new home, andothers make both the “end loan” and “construction loan financing”which provides funds to pay for costs incurred during construction.

Owner BuilderAn individual or family who finances and manages a home

building project (usually with the assistance of a builder or generalcontractor who is hired to manage all or a particular phase of theconstruction of the home) with the intention of retaining ownershipand residing in the home after completion.

SubcontractorA specialist who undertakes responsibility for one phase or trade

within the project and reports to the general contractor. In a typicalhome building project, subcontractors generally include: anexcavation contractor who digs foundations and grades the site; amasonry contractor who handles all concrete, block, brickwork andpaving; a framing contractor who constructs the shell and interiorpartitions; a roofing contractor; a heating, ventilation and air-conditioning (HVAC) contractor; a plumbing contractor; an electricalcontractor; drywall installers; insulation contractors; finishcarpenters who generally handle wood flooring, trim work, andcabinet installation; and a painting contractor.

SurveyorA professional with the training and equipment to establish or

verify property lines. The surveyor also plots and marks thetopography of the site, which is crucial in preparing the site plan. Heor she may also be employed to stake out the building site, settingreference marks for foundation excavation, establishing grades forroads or driveways and marking the locations for a septic systemand water well, if necessary.

Title Insurance CompanyThe entity that conducts a comprehensive search of the public

records to make sure that the title received by a buyer of a newhome is “free and clear of any liens and encumbrances”. Thisassures the issuance of a clear or “merchant able” title in favor ofthe buyer of a new home at the closing of the sale of the property.

W H O ’ S W H O I N B U I L D I N G


S E L E C T I N G A B U I L D E R

Are you shopping for a new home? Start by shopping for aprofessional builder first. Whether you are buying a townhouse, adetached home in a subdivision, or a custom-built house, theconstruction quality of your new home will be determined by thequality of your builder.

Start your builder-search process by calling your local homebuilders association. They can give you the names of reputablebuilders in your area. Ask friends and relatives about builders theyhave dealt with directly, or ask them for the names of acquaintanceswho have recently built a new home.

The Interview ProcessOnce you have developed a list of builders who are building the

type and price range of home you are interested in, research theirreputations and the quality of their work. The best way is to visithomes that they have built and talk to the owners. Ask the builderson your list for the addresses of their recently completed houses,subdivisions, or townhouse communities. At the very least, drive byand see if the homes are visually appealing.

Look at homes that are the same style as you plan to buy. A goodtime to visit is on a weekend morning when people are outsidedoing chores. Introduce yourself and explain that you areconsidering buying a home from the same builder who built theirhome.

Ask about their satisfaction with the home and whether thebuilder delivered what was promised in a timely manner. Ask if theywould buy another home from this builder. People will generally tellyou if they are happy with their purchase.

Quality and ValueWhen examining a home, look at the quality of the construction

features: the cabinetry, carpeting, trim work, and paint.

In viewing a home, you must determine whether it lends itself tothe type of lifestyle you want to lead. Look at the amount of interiorliving space and how efficiently the space is used. Find out if thebuilder is incorporating state-of-the-art energy efficiency features,both in appliances and insulation.

Service After the Sale and Home WarrantyWhile you are shopping, ask about the builder’s service after the

sale. Most builders offer some form of warranty. Many builders backtheir own warranties on workmanship and materials, typically forone year. Other builders offer warranties backed by an insuranceprogram. One of the most important criteria for selecting a builderis the warranty protection provided on the home. Ask for a copy ofthe builder’s warranty. Read the document thoroughly and be sureyou understand what protection is provided. If you have anyquestions about the coverage, talk to the builder prior to finalizingyour purchase.

Be ThoroughWhen selecting a builder, be thorough and ask a lot of questions.

Get as many specifics as possible. If you receive the answersverbally, take notes. Never hesitate to ask a question because youare afraid of sounding “stupid” or uninformed. What seems like a“stupid” question may yield a very important answer.

Buying a new home is probably the biggest and most importantpurchase you will make in your lifetime. By doing your new “home”work to select a builder, you will instill in yourself and your family asense of confidence and knowledge that you have made the rightchoice.

If you have additional questions about selecting a builder, contactyour area’s Builders Association. Ask for a builder list that identifiesthe price categories and subdivisions in which they build. Be sure totour the Parade of Homes in the Fall and Spring. It is an excellentway to get familiar with the housing market in this area as well asindividual builder’s products.


Every year hundreds of families are taken advantage of bydisreputable individuals or companies who represent themselves tobe reliable, reputable contractors. If you are planning to hiresomeone to repair or make improvements to your property there aresafeguards you can take to assure the best selection of a contractorfor you.Consider the Following1. Hire only licensed contractors. Contractors are required to be

licensed to do certain types of work. When selecting a contractoryou should make sure the contractor holds a current, validlicense either issued by your city.

2. All contractors do not possess the same expertise.Ask forreferences and check those references to assure yourself thatthe contractor is qualified to do the type of work you are wantingdone.

3. Check business references. Ask the contractor for a list ofbusiness references that you can call and verify that therelationships with suppliers and subcontractors are good onesand that the contractor pays his bills.

4. Call the Better Business Bureau to find out if there are anycomplaints or charges pending against the contractor.

5. Call local trade associations for information about selecting acontractor.

6. Ask for proof from the contractor that he has general liabilityinsurance and workers compensation insurance in order toprotect you, as the property owner, against any claim in the eventthe contractor, his employees, or someone else is injured as aresult of work being done on your property.

7. Make sure the contractor you are contracting with will bepersonally involved in coordinating the work to be done on yourproperty.

8. Make sure all required permits are secured and inspections aremade.The contractor should be expected to secure all necessarypermits. Beware of contractors who want you to secure thepermit as the property owner. It is permissible to do so, but it isvery unusual that a reputable contractor will ask you to do this.

9. Make sure you have a written contract with the contractor thatdetails:

a. A full description of all work to be done. b. A firm date of completion c. Total cost of the job. d. Contractors license number. e. All warranty information. f. Quality of materials to be used. g. How and on what basis payments are to be made. h. How changes and payment for changes will be handled.

10. Make sure complete architectural drawings are done andagreed upon if you are having a room addition added, orextensive remodeling done. Be certain that detailed materialspecifications are also provided and made a part of the contractyou sign.

11. Monitor the work being done in accordance with thecontractual agreement with the contractor. If you havequestions about what is being done or problems with thecontractor, either ask questions or confront the problem headon when it occurs in order to minimize any conflict and reach asatisfactory resolve as quickly as possible.

12. Final payment should not be made until you are satisfied thatthe job has been completed in accordance with the terms of thecontractual agreement between you and the contractor.

S E L E C T I N G A C O N T R A C T O R

“A house is made of walls and beams;A home is built with love and dreams.”

- Author unknown


B A N K I N G & M O R T G A G E I N F O R M A T I O N

Is Your Bank Meeting Your Current Financial Needs?This page offers a guide to choosing the right bank for your

needs, and offers some ideas for starting your checklist.

With banks offering an increasing number of financial services atwidely varying fees, choosing one to handle your particular financialneeds can seem like a difficult and confusing task. Although thereis much to consider, it is best to select a bank the same way youwould choose any product or service—first evaluate your needsand then compare costs. You should also consider what is mostimportant to you in a banking relationship. Do you want to developa personal, long-term customer relationship with a bank? Do youtravel frequently and need access to branch offices while you areout of town? If you prefer to do your banking by telephone or online,you'll want to explore the types of electronic services each bank hasto offer. Once you have identified your needs, evaluating andcomparing the services and fees is a much simpler task.

But you have to do your research, because not all banks offerfree checking, and if they do, they won’t always tell you about thatoption unless you ask.

So go online or make a few phone calls. Find out if the bank hasa lot of ATM locations. It doesn’t do you any good to have freechecking if you have to spend $2 a pop to use another bank’s ATMbecause you bank only has one branch and it is all the way acrosstown.

You may be eligible because of where you live or what type of jobyou have to join a credit union. Many people like credit unionsbecause they offer a lot of free services (like maybe free MoneyOrders). But keep in mind that credit unions are often few and farbetween, so you may end up with the ATM surcharge problem.

What Will You Do?The fist question to ask yourself is what you want to do with your

bank account. Do you want to put money in there periodically andwatch it grow? Will you move money in and out quickly? You needto know what your banking behavior will be like in order to find theright bank.

Next, get an idea of how you prefer to do your banking. If yourschedule doesn’t work with most bank schedules, the best bankmight just be the one that’s open at convenient times.

Free checking accounts get a lot of hype. They get people in thedoor. However, free may not always be the best thing for you. If youvalue certain services or conveniences, you may be willing to pay forthem. Once you get ahold of fee schedules from competing banks,consider if it’s really going to bother you to pay a few bucks eachmonth for that “gotta have it” feature or service. Maybe it is, maybeit isn’t.

At first glance, fees might make you favor debit cards in the debitvs credit competition. The worst fee you'll find in a typical debit cardis a POS fee — charged when you use your debit card at a retailerusing PIN number. While the tide is shifting away from bankscharging these fees, they're still around. More importantly, there aremore factors than fees to the debit vs credit debate.

Hidden fees are becoming increasingly popular in the bankingindustry. If you're not careful, you might end up wasting significantamounts of money each year on things that can be easily avoided.One place that's full of hidden fees is the ATM. While it is an easyway of obtaining your money quickly and efficiently, ATMs arenotorious for their service charges. You can end up being chargedevery time you use the ATM, if you're not careful. Some banks willcharge extra fees if you do not meet certain requirements or do yourbanking with them. Banks can even charge you to check yourbalance at the ATM. It depends on the bank. You need tounderstand the terms of your bank and find the best plan for you.

You can check balances, transfer funds and pay bills, all from thecomfort and convenience of your home or office computer. Internetbanking may also have a price. Depending on the bank, you mayhave to pay a service charge for this service. It also may not beavailable at all banks.



You may have a difficult time deciding which type of homemortgage is the best for your needs. The world of home financeoffers so many variables and options that it’s often hard to keepthem straight. The following may help you better understand thedifferences and find a home loan that’s right for you.

Fixed-Rate Mortgages are very popular because the interest rateand monthly payments are constant. Fixed loans are generallyamortized over ten, fifteen, twenty or thirty years. Property taxesand homeowners insurance may increase, but generally yourmonthly payments will be very stable. During the early amortizationperiod, a large percentage of the monthly payment is used forpaying the interest. As the loan is paid down, more of the monthlypayment is applied to principal. A typical 30 year fixed ratemortgage takes 22.5 years of level payments to pay half of theoriginal loan amount. You may also opt for “biweekly” mortgages,which shorten the loan by making a payment every two weeks.(Since there are 52 weeks in a year, you make 26 payments, or 13“months” worth, every year.)

Adjustable Rate Mortgage (ARM) is a loan which allows for theadjustment of its interest rate according to the terms of the note andas market interest rates change. With this type of mortgage loanprogram the interest rate and payments may be adjusted asfrequently as every month. The purpose of the program is to allowmortgage interest rates to fluctuate with market conditions. Theinitial interest rate for an ARM is usually lower than that of a fixedrate mortgage, where the interest rate remains the same during thelife of the loan. A lower rate means lower payments, which mighthelp you qualify for a larger loan. Also if you do not plan to keep yourhome for more than a few years, the possibility of rate increasesisn’t as much of a factor. But no one has a crystal ball to predict thefluctuation of interest rates, so it is somewhat of a gamble.

FHA Mortgage Loan is insured by the Federal HousingAdministration. FHA is part of the U.S. Department of Housing andUrban Development (HUD), one of its chief purposes is to helppeople obtain financing to buy their homes. The FHA doesn’t makethe loans, but insures loans made by banks, savings and loans,mortgage companies, credit unions and other approved institutions.FHA does not originate loans. FHA insures the mortgage and paysthe lender if the homebuyer defaults on the loan, or fails to repay theloan. Almost anyone who has a satisfactory credit record, enoughcash to close the loan, and sufficient steady income to makemonthly mortgage payments can be approved for an FHA-insuredmortgage. There is no upper age limit and no certain income levelrequired, although individual mortgage amounts are limited by law.

VA Mortgage Loan is similar to the FHA mortgage. The U.S.Department of Veterans Affairs guarantees loans made byinstitutional lenders to eligible veterans. The guarantee helps protectthe lender in the event of the borrower’s default. The VA Loan wasinitiated in 1944 through the Servicemen’s Readjustment Act, morecommonly known as the GI Bill of Rights. The GI Bill was signed intolaw by President Franklin D. Roosevelt and provided veterans witha federally guaranteed home loan with no down payment. This

feature was designed to provide housing and assistance forveterans and their families, and the dream of home ownershipbecame a reality for millions of veterans. VA will guarantee amaximum of 25 percent of a home loan amount up to $104,250,which limits the maximum loan amount to $417,000. Generally, thereasonable value of the property or the purchase price, whicheveris less, plus the funding fee may be borrowed. All veterans mustqualify, for they are not automatically eligible for the program.

Interest-Only Mortgage is really an interest-only option that workswith various mortgage types. This option has regular payments,typically monthly, for a fixed period of time; however, paymentsconsist of one hundred percent interest. No principal is paid duringthe interest-only period. When that period ends, the borrower isobligated to make payments of principal and interest. Because thetime remaining in the loan term to repay the principal is shorter thanit would have been, payments will adjust upward, sometimessubstantially. The appeal of interest-only payments is savings. Whenprincipal is not being paid, monthly payments are dramaticallylower. On the risk side is potential for loss. If the need to sell arisesand the property value has stayed flat or declined, a borrower mightbe in a position where the mortgage loan balance is higher than themarket value of the property.

Balloon Mortgage Loan generally has a short term, commonlyanywhere from 3-7 years. During that term, borrowers make regularequal payments of principal – the amount of money borrowed – plusinterest. At the end of the loan term, a “balloon” payment is due forthe entire loan balance. Options for handling the balloon paymentinclude paying off the balance when due or refinancing before thepayment comes due. Balloon mortgages are usually offered atlower interest rates than other fixed-rate loans. In addition,payments are calculated using a period longer than the term of theloan. As a result, balloon loans offer affordability for short-termcircumstances. Borrowers do need to plan ahead so they are notcaught unprepared when the balloon payment is due.

Choosing a type of mortgage is not the only decision you mustface. Several other criteria are listed below.

Hybrid Mortgage combines features of both fixed-rate andadjustable-rate mortgages. A hybrid mortgage loan may start witha rate that is fixed for a period of time. When that fixed-rate periodexpires, the loan then converts to an ARM. The initial rate for ahybrid mortgage loan is typically lower than prevailing fixed rates.The lower rate enables more buying power up front. On the risk sideis the uncertainty of how high interest rates will be when the fixed-rate period expires.

Lending Institution are used When you’re looking for a home loan,you might work with an officer at a bank or other lending institution,or you might choose to work with a mortgage broker. The loanofficers at a bank, credit union or other lending institution areemployees who work to sell and process mortgages originated bytheir employer. They often have a wide variety of loans types todraw from, but all originate from that specific lender.



Mortgage Brokers are professionals who are paid a fee to bringtogether lenders and borrowers. The mortgage broker working tosecure your loan is earning a fee for that transaction—and thebetter deal they achieve for a lender, the more they are paid. Don’tbe too anxious to disclose the interest rate you would be willing toaccept, let them tell you what terms they can secure. Shop aroundto make sure the terms are reasonable.

There should be little difference between obtaining a loan from abroker or a local lending institution. Maybe none, but you should beaware of the differences between the two positions. A mortgagebroker may find you a lender in another part of the country. The loanoffice will likely be able to offer more personal service while your loanis being processed and once you are an established customer.

Discount Points are fees paid to a lender at closing in order tolower your mortgage interest rate. While buying points is sometimesa good decision, many times the purchase costs you more than itsaves. The cost of each point is equal to one percent of the loanamount. For instance, for a $100,000 loan one discount pointequals $1,000. Each discount point paid on a 30-year loan typicallylowers the interest rate by 0.125 percent. That means a 5.5 percentrate would be lowered to 5.375 percent if you purchase one point.Paying for points lowers your interest rate, because the lenderreceives the income in a lump sum at closing rather than collectingthe interest as you make payments on your loan. Whether or notpaying points makes sense for you depends in part on how longyou plan to keep the loan.

Helpful Mortgage Terms Adjustable Rate Mortgage is a loan with a rate that adjusts to

market conditions. The rate of adjustment will be stated in thecontract.

Adjustment Index is a guide lenders use to change ARM interestrates during the life of a mortgage. The specific index to which yourARM is tied to will be listed in the mortgage contract.

Annual Cap is a limit on how high the interest rate on an ARM canrise in a single year. Annual caps are specified in the better ARMprograms.

Annual Percentage Rate Equals the true cost of a loan includingfinancing charges and fees.

Amortization is the process that reduces the amount owned in aloan. It can be made in a lump sum or periodic installments.

Appraisal Value is estimating the property’s worth which is basedon comparable properties. Appraisals that are completed bycertified professionals, and are used by lenders to verify the home’svalue and justify the mortgage commitment.

Appreciation is the increase in the property’s value, either byimprovement in the market or improvements made by the owner.

Balloon Mortgage is a loan that acts like a fixed rate but is due inthree, five or ten years. At that point you must pay the outstandingbalance in one lump sum.

Buydown is the process of buying a lower interest rate by payingmore points at closing.

Conventional Mortgage is a loan that is under $ 240,000 and meetsFannie Mae and Freddie Mac standards, the largest purchasers ofhome mortgages on the secondary market.

Convertible Mortgage is an ARM with the option to convert to afixed rate mortgage as specified in the contract.

FHA Loans are issued by FHA approved lenders. The FHA insuresits loans so that borrowers can get them with only 3 to 5% downpayment. The FHA has certain criteria to qualify for these loans.

Fixed-rate Mortgages are self amortizing loans with a constant rateof interest. These loans are commonly for 10, 15. 20 or 30 yearperiods.

Interest Rate is what the lender charges for the use of their money.Expressed as an annual percentage of the amount borrowed beforefinancing expenses.

Initial Interest Rate is what lenders charge on an ARM until the firstadjustment is made. This rate is usually much lower than fixed ratemortgages.

Jumbo Mortgages are loans greater than $ 227,150 with aninterest rate that is a quarter percentage higher than conventionalloans.

Lifetime Cap is the same as an annual cap except there is limit onhow high the interest rate can increase over the entire life of themortgage.

Loan Commitment is a promise by the lender to provide the agreedamount of money stated on the mortgage to close on a home. Thecommitment also states the interest rate, term of loan, and usuallyexpires within 60 days.

Loan Servicing is the institution that handles the administrativeprocessing of your loan such as billing and collecting payments.

Loan-to-Value Ratio is the proportional relationship of themortgage loan to the value of a home, expressed as a percentage.



Mortgage CalculatorHow much do you qualify for based on typical lender

requirements? Generally, the lender will require that your monthlypayments not exceed 28% of your gross monthly income. Lets takea look at how a lender would typically determine your ability to meetmonthly house payments.

First, determine your gross monthly income from all sources.Then multiply that amount by 28% to determine an approximateallowable monthly payment. This payment includes principal,interest, taxes and insurance. From this amount subtract taxes andinsurance to arrive at your allowable principal and interest payment.

You can obtain your property taxes from the local township officeand you can contact your insurance agent for homeowner rates.

Now, while shopping for your mortgage, you probably havediscovered the current interest rate. Use the chart below; find thecolumn, which applies to that rate. Follow the number down untilyou find the number that is closest to your principal and interestpayment. To the left of that you will find the loan amount for whichyou probably qualify. If you intend to apply for a 90% loan, divide theloan amount by .90 to calculate the price of the house that wouldrequire this monthly payment.

$ 3% 3.5% 4% 4.5% 5% 5.5% 6% 6.5% 7%

100,000 300 350 400 450 500 550 600 650 700

150,000 450 525 600 675 750 825 900 975 1050

200,000 600 700 800 900 1000 1100 1200 1300 1400

250,000 750 875 1000 1125 1250 1375 1500 1625 1750

300,000 900 1050 1200 1350 1500 1650 1800 1950 2100

350,000 1050 1225 1400 1575 1750 1925 2100 2275 2450

400,000 1200 1400 1600 1800 2000 2200 2400 2600 2800

450,000 1350 1575 1800 2025 2250 2475 2700 2925 3150

500,000 1500 1750 2000 2250 2500 2750 3000 3250 3500

550,000 1650 1925 2200 2475 2750 3025 3300 3575 3850

600,000 1800 2100 2400 2700 3000 3300 3600 3900 4200

650,000 1950 2275 2600 2925 3250 3575 3900 4225 4550

700,000 2100 2450 2800 3150 3500 3850 4200 4550 4900

750,000 2250 2625 3000 3375 3750 4125 4500 4875 5250

800,000 2400 2800 3200 3600 4000 4400 4800 5200 5600

850,000 2550 2975 3400 3825 4250 4675 5100 5525 5950

900,000 2700 3150 3600 4050 4500 4950 5400 5850 6300

950,000 2850 3325 3800 4275 4750 5225 5700 6175 6650

1,000,000 3000 3500 4000 4500 5000 5500 6000 6500 7000

The example below illustrates this procedure:

Gross Monthly Income $2,500 X 28% = $700

Less: Monthly Taxes & Insurance ($100) = $600

6% Interest Rate for 30 years for $600 = $30,000

$30,000/.90 (Loan to Value) = $33,333 = Estimated Maximum Home Price For Qualification


A I R L I N E S C A R / T R U C K R E N T A L

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The mission of the Executive MBA is toenhance the managerial effectiveness ofcurrent professionals by communicatingthe knowledge and skills of a general MBAwith a focus on global issues. This isaccomplished through a carefully designedcourse of study, personal interaction,technology, and real-life experiences, withinthe context of a strong commitment to theeducational themes and values of theCollege of Business Administration andMarquette University. Your success as anexecutive depends on more than yourknowledge of finance, accounting andmarketing. It also depends on your skills atworking within groups, making persuasivepresentations, and diagnosing businessproblems. The innovative curriculum ofMarquette’s Executive MBA Programensures that you have the theoretical andpractical knowledge, but goes further, tobe sure that you know how to use theknowledge to leverage your business in adynamic business environment.

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American Builders knows thatpurchasing a new home is one of the mostimportant and difficult decisions that you,as a new home buyer, can be faced with;from selecting a home site and deciding ona floorplan, to incorporating amenities anddetermining a price that is economicallycomfortable for your family. This enormoustask can be simplified greatly, if you selectthe correct builder.

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Capretto HomesElma, WI(716) 651-4663

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From its beginning in 1985 as a family-owned and operated homebuildingbusiness, Neumann Homes has builtquality homes for over 11,000 families in150 communities. Neumann Homescurrently offers 22 communities throughoutSoutheastern Wisconsin and the Chicagosuburbs featuring a unique variety of floorplans, home styles and amenities includingits amenity-rich Clublands communitiesfeaturing a clubhouse, fitness center,pools, parks and more. Neumann Homesbuilds on the cornerstones of value, choiceand trust as it strives to make a higherquality of living attainable for more people.Visit a Neumann Homes community todayand discover what’s calling you home.

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• A beautifully appointed wedding chapel.• A tropical pool area and lavish spa and

salon.

New Home DevelopmentsAuburn Hills Caledonia, WI(262) 884-1329www.bielinski.com

Located in the town of Caledonia, thisconservation community offers single-family homes and duplex condominiums inan ecologically sensitive development thatharmonizes modern living with thewonders of nature. Here, you'll come hometo 32 acres of conserved and restoredopen space, accessible from walking pathsthat enable residents to experience theknolls and hollows of beautifulsoutheastern Wisconsin. Home and LotPackages from the $230s.

Fox ChaseEagle, WI(262) 363-4396 www.bielinski.com

Welcome to Fox Chase, a rural, countrycommunity in Eagle, just 35 minutes fromMilwaukee. This picturesque communityfeatures 62 spacious home sites withsecluded lots ranging in size from half acreto full acre. Fox Chase is just minutes awayfrom Kettle Moraine Forest, Old WorldWisconsin and other area amenities. Thissuperb planned community is the perfectlocation for your new Bielinski home.Home and Lot Packages from the $220s.

Harvest Pointe Elkhorn, WI(262) 743-1340 www.bielinski.com

Harvest Pointe is ideally located in theup-and-coming Elkhorn community, with188 single-family homesites, 90 duplexranch condominiums, a park and manyamenities. This community was designedaround the nostalgic concept of atraditional community where a local storewas within walking distance; kids rode theirbikes for ice cream, and neighbors usedsidewalks for inviting walks. Harvest Pointehas that same flavor. Recently ranked #14of the "100 Best Small Towns in America",Elkhorn offers a strong balance of industrialand business growth, a small-townambiance, and easy access to statehighways. Home and Lot Packages fromthe $200s.

Prairie Glen Germantown, WI(262) 512-1562www.bielinski.com

Prairie Glen will serve as a nationalmodel for future conservation designs andput Bielinski Homes at the forefront of agrowing trend to create communities thatpreserve and restore nature. Bielinski willallow for approximately 60% of the 31homesite community to remain as openspace which will be landscaped andrestored back to native prairies, wetlandsand woodlands. Homes will be naturallybuffered from one another, and a networkof walking paths will connect thecommunity and enable residents to take inthe great outdoors. If you are looking for anature's bounty a short drive fromdowntown Milwaukee, then Prairie Glen isthe place to build your new Bielinski home.Home and Lot Packages from the $370s.

Highland Creek Jackson, WI(262) 677-8890 www.bielinski.com

Located in Jackson, just 25 miles northof Milwaukee, Highland Creek offers anideal setting with country fresh air, smalltown atmosphere, and all the comforts andconveniences of a larger community. AtHighland Creek, you'll find 51 homesites inthe newly-released Phase C, severalbacking wetlands and open space alongFriedens Creek. Jackson is one of thefastest growing communities in one thefastest growing counties in Wisconsin andaptly named "The Village with A Future."Home and Lot Packages from the $200s.

Woodland Ridge Merton, WI(262) 538-0798www.bielinski.com

Nestled in the small rural Village ofMerton, in the sought-after ArrowheadSchool district, Woodland Ridge features82 spacious homesites, a 13-acre VillagePark, and open space. Lots will averageone-acre with many offering partial or fullexposure and several backing to woodedareas. Residents will enjoy the picturesquescenery Merton has to offer as well as thelarge number of streams and lakes.Breathe in the fresh air at Woodland Ridge.Home and Lot Packages from the $380s.

FairwindsMukwonago, WI(262) 363-4396 www.bielinski.com

Fairwinds, located in the Village ofMukwonago, is one of Bielinski's newest

communities introduced in 2003. Choosefrom 148 spacious homesites with somelots next to open space, a future trail, andsmall ponds. A multi-purpose trail windingaround the community, an on-site citypark, and the close proximity ofMukwonago High School just across thestreet combines the perfect setting forfamilies. Home and Lot Packages from the$230s.

WillowbrookOak Creek, WI414-762-6790www.bielinski.com

Featuring 89 single-family homesites,Willowbrook is a true definition ofconservation with approximately 53% ofthe land to remain as open space. Openspace areas will be landscaped andrestored back to native prairies, wetlandsand woodlands to provide a natural bufferto the lots and feature a network ofwalking paths for the residents to use andenjoy. Home and Lot Packages from the$240s.

Wood Creek Oconomowoc, WI(262) 560-1772 www.bielinski.com

A life of distinction in charmingly historicOconomowoc awaits residents of BielinskiHomes' Wood Creek community. Attractivesingle-family homes balance craftsmanshipwith style throughout spacious and uniquedesigns. Attention to detail is evident inquality fixtures and popular amenities thatencourage comfortable, everyday living. Atrue value, these well-planned homesdefine a serene community convenientlylocated close to Milwaukee yet far enoughaway to enjoy country living. Home and LotPackages from the $230s.

Hidden Hills Port Washington, WI(262) 268-9411 www.bielinski.com

The single-family homes of Hidden Hillshave been engineered using revolutionaryhome building techniques that improveefficiencies of the new home whilemaximizing material usage and minimizingwaste. The end result is the mostcompetitive price available withoutsacrificing high quality standards. Also, forthose homebuyers who desire a morecarefree lifestyle with all the benefits ofhomeownership, Hidden Hills offers ranch-style condominiums. Home and LotPackages from the $210s.


N E W H O M E D E V E L O P M E N T S N E W H O M E D E V E L O P M E N T S

Farmstead CreekSlinger, WI(262) 338-0582 www.bielinski.com

The picturesque Wisconsin farms andscenic beauty of Kettle Moraine set theperfect stage for Farmstead Creek.Located at the edge of the historic Villageof Slinger, this new community will consistof 140 single-family homes, 58 ranchduplex condominiums and an existingfarmstead, all where friends and neighborswill enjoy a true sense of community withinthe most charming surroundings. Homeand Lot Packages from the $220s.

SussexBrandon Oaks, WI(262) 820-2683 www.bielinski.com

Discover this rare community secludedand nestled in the quiet, friendly Village ofSussex. At Brandon Oaks, you'll find 46homesites and homes with over 2500square feet of living space to choose from,with everyday conveniences nearby, andjust minutes from the new SussexCommunity Center. When completed, theCommunity Center will include aquaticsand fitness centers, educational programsand social activities. Home and LotPackages from the $340s.

Kettle Glen Waterford, WI(262) 514-3208 www.bielinski.com

Located in the Village of Waterford,Kettle Glen is a desirable communityfeaturing 127 single-family homesites in apeaceful, spacious setting. Residents willenjoy a friendly community with sidewalks,18 acres of green space, open space forfuture nature trails, and a community park.Redi homes from the $310s.

Hunter Oaks Watertown, WI(920) 206-1107 www.bielinski.com

Hunter Oaks in Watertown is perfect forevery lifestyle. This unique communityconcept is a town within a town offeringsingle-family homes, condominium living,rental homes, community parks, on-sitefire station, and retail shops in a central,yet suburban setting. Choose from 266single-family homesites with desirablelocations such as park views, cul-de-sacs,oversize lots and open space. Home andLot Packages from the $190s.

Rolling OaksWaukesha(262) 896-0269 www.bielinski.com

Located in the nostalgic town ofWaukesha, Rolling Oaks provides the wideopen spaces of the country with cityconveniences right around the corner! Newhomebuyers can select from 92 spacioushomesites averaging _ an acre with somewooded lots available. Lush Minooka Parkabuts the community to the east whereresidents will enjoy miles of winding hiking,skiing and bridle trails, numerous picnicareas, a refreshing swimming pond andmuch more!

Prairie MeadowWest Bend, WI(262) 338-0582 www.bielinski.com

This 77-acre community offers a naturesetting with conveniences nearby.Homesites back up to a city park, openspaces, prairies, woodlands and wetlands.In all, 139 homesites will be available inPrairie Meadow, but the natural value ofthe land and its resources will bepreserved on over 50 percent of thecommunity. Fully mature trees will beprotected, wetlands will be preserved, andthe majestic prairie will be restored. Homeand Lot Packages from the $220s.

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