Fetch A Great Deal.
6B
THE NATCHITOCHES TIMES Weekend Edition, March 22-23, 2014
House Shopping? START HERE!
REALTOR
®
Green spring cleaning ideas that are kind to Mother Nature Ingredients: 1/2 cup vinegar 2 tablespoons baking soda 1/2 teaspoon lavender essential oil Directions: Dissolve baking soda in vinegar, stir in lavender and pour into the water during your washer's rinse cycle. Line dry clothes for maximum green value. Or, if you must use a dryer, add a wool dryer ball to shorten drying time and soften clothes. To boost the fresh scent of lavender, sprinkle several drops on the dryer ball or on a paper towel and add to the dryer during the cool down cycle. * Prepare a multi-purpose cleaner to help brighten and freshen surfaces throughout your home. Mix two tablespoons of unscented liquid soap with four drops of lemon essential oil and two drops of tea tree essential oil. Pour the mixture into a gallon of warm water. Use this multi-purpose solution with a sponge mop or rag to remove dirt from floors and hard surfaces such as countertops and appliances. * Stock up on natural cleaning supplies such as lemon, peppermint, eucalyptus and tea tree essential oils, baking and washing soda, Borax, white distilled vinegar, spray and squeeze bottles, natural bristle scrubbing brushes, old newspaper, cotton dusting cloths and hemp or jute fiber scrubbing cloths. * Instead of chemical air fresheners that can irritate allergy sufferers, make your own room fresheners using cotton balls soaked in essential oil. Store in decorative ceramic dishes out of reach of children and pets. For bedrooms, lavender is relaxing. Lemon and other citrus oils are invigorating for bathrooms, and cinnamon and clove impart mouth-watering aroma to kitchens.
(BPT) - It's not necessary to use harsh chemicals and toxins to achieve a cleaner, fresh-smelling home this spring. Homemade cleaning products and earth-friendly tactics can help you clean green. Here are green cleaning ideas and a supplies list that will make Mother Nature happy: * Begin by decluttering, which requires no chemicals at all. As you're disposing of items you no longer need or want, be mindful of ways to keep them out of the waste stream. Donating gently used but no-longer-needed items such as clothing, furniture and books is a great way to reduce waste and cut clutter at the same time. * Clean windows instantly brighten your house inside and out, and they're one of the easiest household cleaning chores to do with natural tools. A simple solution of white vinegar and water (about two tablespoons of vinegar per gallon of water) makes an effective, low-cost and green window cleaner. Spritz on windows using a spray bottle and use newspaper instead of paper towels for a streak-free clean. Don't like the smell of vinegar? Straight lemon juice works just as well and smells distinctly like spring. * Pull out the white vinegar again to mix up a great floor cleaner that works well on surfaces from hardwood to vinyl to tile. You'll need to add three or four cups of vinegar to about a gallon of hot water. Add a few drops of your favorite essential oil - peppermint or lemon are popular choices - so that when the vinegar aroma evaporates, the wonderful scent of the oil will linger. * Laundering linens is a cornerstone of spring cleaning. Mass marketed liquids and dryer sheets, however, rely on softening chemicals and petroleum-derived fragrances to impart softness and scent. Try this simple, natural fabric softening recipe from the essential oil experts at Aura Cacia:
Is your home prepared for warmer weather? (StatePoint) Warmer weather is just around the corner, which means higher temperatures. But does it have to mean higher energy bills too? The answer is no. There are numerous ways to keep your home cool and bills low this summer. After a few months off, it
is vital to check that your air conditioning system is still working in an efficient and optimal manner. If you have a central air conditioning system, for peace of mind, you might want to have your system checked by an HVACR professional. In order to save, be sure to
By taking preventive measures, you can rest assured that this season you will be cool while saving money and energy.
shop around for special deals, which are not difficult to find for seasonal preventive maintenance. Understand however, that the proficiency of HVACR technicians differs greatly. When searching for the right HVACR technicians for your home, one way to make certain that the job will be done properly and effectively is by hiring a professional certified by North American Technician Excellence (NATE), the nation’s largest independent, non-profit certification body for HVACR technicians. NATE-certified technicians are qualified to properly install and service equipment, which means maximum home comfort and energy savings. Once a NATE certified HVACR technician has inspected your system for efficiency, there are a number of things you can do to keep energy bills low: • Clean your air filters. Check them every couple of weeks and change them at least twice in the season, or as directed by the manufac-
Fetch A Great Deal. All the news, sports, features, columns and classifieds— delivered. Call 318-352-3618 for more information on how you can subscribe to...
Natchitoches Times
The
turer. • Don’t obstruct airflow around air conditioner units — keep them clear of plants and debris. • Raise the thermostat about five degrees, because each degree you raise the thermostat will save you a percentage off your cooling energy bill. • Compare energy bills from last year. If your costs have significantly increased, simply contact a qualified HVACR technician — they can help determine the source of the problem. Remember, just because you have an energyapproved, eco-friendly, highefficiency product, it does not mean automatic money and energy savings. For substantive results, proper installation, service and maintenance are important too. So do yourself a favor — request the service of a NATE-certified technician. In order to locate a contractor that employs certified technicians, look for the NATE logo or go to www.HVACRAdvice.com.
Buying a home after marriage By Deena Weinberg
If you and your partner are excited about buying a home and don't want to wait until you get married, there is good news and bad news: The good news is that barring any financial hurdles, unwed couples can apply for loans and mortgages (as separate applicants) and make their homeownership dreams come true. However, should any snags occur in their relationship, unmarried partners do not have the same legal protections as married couples, and breaking up co-ownership of a house can be a messy ordeal. Alternatively, if both individuals have good credit ratings, couples buying a home after marriage are better able to qualify for loans and/or put down a down payment. The downside is that if one spouse has poor credit or a high debt-to-income (DTI) ratio, it will affect the other spouse's ability to secure a loan. Hence, the question remains: Should couples buy a house before or after marriage? Homeownership obstacles for unmarried couples There are many incentives for couples to buy a house before they tie the knot. Whether their decision is driven by a favorable buyer's market, by the intention to start building equity or, until recently, by a desire to benefit from the first-time buyer tax credit for unmarried couples (which expired as of June 30, 2010), there are many problems unmarried couples may run into, starting from when they apply for a home mortgage. While banks generally view married couples as one unit, unmarried couples must apply separately and are assessed as individual applicants. Since some banks require both parties to qualify for a mortgage, problems with either one of their records can put a dent in their quest to buy a house. Furthermore, if couples who own real estate together part ways before they say, "I do," the pathway for resolving property disputes -- i.e., equity, property division, buy-out provisions -- is a bumpy one. Indeed, real estate lawyers admit that the laws regarding property rights for unmarried couples are murky,
and therefore recommend that unwed partners establish a legal contract of their own. Get it in writing! If you intend to buy a house with your partner before marriage, the experts advise that you both sign a legal agreement to avoid altercations down the road. Your contract should fill in the blanks as to who pays and who receives what regarding expenses, mortgage, taxes, capital gains, property title and more. Credit ratings and buying a home after marriage If you and your fiancee are planning to buy a home after marriage, here are some credit rating pros and cons to consider: Pros: Your individual credit scores will not change. If both you and your spouse have good credit histories, your chances of qualifying for a mortgage loan increase when you apply as a couple. With your combined income, you may qualify for a bigger loan and be able to put down a larger down payment. Cons: If you apply jointly for a mortgage and your spouse has bad credit, it can affect your ability to secure a loan or to secure the loan amount you need to buy your desired home. You can apply for a mortgage alone, but with your single income you may only qualify for a lower amount. How to improve your spouse's credit The good news is that even if you or your spouse has had a poor credit rating in the past, you can help rewrite history and improve your credit score in the following ways: Include your spouse as an authorized signer on your credit card. Payments made on time are recorded on both of your payment reports and will boost your partner's score Encourage your spouse to work to pay off debts and decrease high debt balance. Once you have weighed the pros and cons, all that's left to do is decide whether you and your partner will sign on the dotted line before or after you sign your marriage certificate!
8B
THE NATCHITOCHES TIMES Weekend Edition, March 22-23, 2014
Land 4 ACRES TIMBERLAND on Hwy. 478, 1/2 Mile from Hwy. 117. CANE HERITAGE REALTY, Carol McCoy 352-6460. SELLING MY UNDIVIDED 1/2 INTEREST in 80 acres W/2 NW 9-10-6, $40,000. Call 318-3254411 or 318-537-2723.
For Sale 16’ UTILITY TRAILER with tool box, winch and riding mower, asking $1500. Garry 318-5817705 2007 CUB CADET 4X4 Utility vehicle. 3000 lb winch, weather cover, new tires. Great condition, $5,100. Call 318-7155126. WHIRLPOOL CABRIO WASHER AND DRYER.
Like New. Includes all hoses and cords for hook up. $500. Call 318-2283035
Furniture FOR SALE: QUEEN SIZE SLEEPER SOFA In excellent condition, $150. Call 318-352-6721.
Services CONSTRUCTION CONTRACTOR Additions, repairs, remodeling, and concrete work. Call 318581-3624. A+ TREE SERVICE Licensed & Insured *Pruning *Topping * Cabling *Removal *Stump Grinding. 27 years experience with Licensed Arbors on job site! 318402-9303 or 272-6235.
DEPENDABLE LAWN SERVICE - All your yard maintenance. Lawn cut, weedeating. Call Tommy for a Free estimate. 3571626 or 471-3608
MARVIN’S REMODELING - Painting, vinyl siding, leveling, foundation work, gutter work. Honest and dependable. Phone 318-228-4320 or 318-727DON BOEHLY - 0442. HANDYMAN - Pressure N A T C H I T O C H E S Wash Odd Jobs. CONSIGNMENT PLUS Natchitoches Parish only. We buy and consign used (Free Estimates) 318-527furniture. Stop by 223 2576. Broadmoor Shopping FOR ALL YOUR CON- Center, next to Sav-A-Lot STRUCTION and small Foods in Natchitoches or remodeling jobs. Free esti- call 318-238-4900 or 318mates for bath, kitchen, 228-7306. deck, and driveway and LAWN more. Call Jim Davis, con- STAN’S tractor 318-332-9927 or SERVICE Call for free after 5:00 pm 318-352- estimate. 318-880-1201 or 4361. Licensed and 318-356-0188 and leave insured. I change out old message. windows and install new STEVE’S WASHERS aluminum windows. 352-7773. We now repair GLORIA’S CLEANING front load washers & drySERVICE Houses, trail- ers. 15 years experience. ers, churches, move-in, P.S. We want your old move-out and any type of appliances. commercial cleaning. Mobile 318-471-8491. WILSHIRE WOODWORKS: From design HANDYMAN & PRESthrough installation, your SURE WASH SERVICE local full service source Free estimates, 40 mile radius of Natchitoches. for kitchen and bath cabinets, closets, custom furContact 318-663-3090. I’LL CUT YOU! LAWN niture, counter tops, and SERVICE. Free estimates. more. 5206 Hwy 1 North, Keith Scoggins 663-6699. next to the bowling alley. 318-354-2175 INDOOR/OUTDOOR BUILDERS L.L.C., Larry Mobile Homes Harper. Fencing, remodeling, room additions, ceram- BRAND NEW SINic tile,vinyl siding,cement GLEWIDE 3B/2B lots of work, drainage installation, room with open floorgeneral repairs. Phone plan. Only $29,995! 481-4603 or 352-9192. Won’t last. Call 318-752JOHNSON’S PAINTING 4663 & REMODELING Painting, carpentry & pres- NEW DOUBLEWIDE sure cleaning. Repair, paint only $39,995 delivery & beautify your home included! Open floor-plan today. Free Estimates. 3B/2B! Only one left. Call 318-752-8242 Please call 352-8923
NEW AND USED MOBILE HOMES! Largest selection in the ARK-LA-TEX! Let us show you how easy homeownership can be. Call now 318-752-8243
Real Estate 205 KELLY Newly renovated, this brick home has 1,371 square feet with 4 bedrooms and 2 baths. Priced at only $110,000. Let us show you how to buy this home with only $500. Call Bobby McIntosh, Broker/Owner of Realty USA, Inc. today at 318-354-1200. View photos at www.realtyusa.net.
For Rent 1 BR APARTMENT $400 a month plus utilities, security deposit required, 3 miles from NSU. Parish housing accepted. Call 318-357-8272 2 & 3 BEDROOM MOBILE HOMES for rent in Hidden Hills Mobile Home Park. Call 6520895. 2 BEDROOMS 1.5 BATHS UPSCALE TOWN HOMES SPRING SPECIAL, Spacious 1,180 SF, quiet country setting, close to NSU. Washer & Dryer included. 318-2384500
2/1 TRAILERS $475 to $550/month. ALL, No 3 BR CAMPHOUSE on Pets. Call 318-352-3953 or Cane River 1 mile north of 652-0666. Bermuda bridge. Good condition. 218ft water 2BR, W/D, Carport, nice frontage. $91,000. Will area near NSU. Lawn serfinance with $1,900 down vice, trash pickup, water and $660.39/month. Call paid, $475 dep., $575 rent. Pat Henry @ 318-357- Call 318-652-1506. 3 BR, 2 BATH Mobile 1010 home for rent on FOR SALE BY OWNER Fairgrounds Road, $600 a 4BR/2BA home in St. Clair month, $600 deposit. Call Estates. Recent updates 318-773-1128 include: engineered hardwood floors, granite coun- 3 BR/2 1/2 BATH tertops in kitchen, heated Furnished Doublewide on floor in master bath. Salt- private lot 1178 Hwy 480 water pool and large shop Campti. All appliances / fenced yard/ covered patio in back. $214,900. Call / carport/storage building. 318-663-4527 for appointOne year lease. No pets ment. inside. Not on housing. HOUSE FSBO 142 Frontier Drive, Natchitoches, 3 bedrooms/1.5 bath, Large Lot, Priced Below Appraisal, Possible Owner Financing 318-527-9248/318-6090180/318-352-7526
352-3453 3BED, 2 BATH Doublewide mobile home, 297 Paul Jordan Road. Central air/heat, acre lot, $700/month, $700/deposit. Call 318-332-0740 or 318773-1128.
3BR/2BA, 16X80 MOBILE HOME, like new, located 3 blocks from WalMart. $775 rent, $775 deposit. Call 318-3521020. B E A U T I F U L LY RESTORED 4/2 HOME, in Robeline. Hardwood floors, CA/CH, on corner lot, in good neighborhood. Storage building. $850 month, $500 security deposit. 318-663-3357 DOWNTOWN101 TOULINE ST, 2 BR, 1BA, Newly remodeled apt, new appliances, tile, hardwood floors, CA/CH. $975.00 month, $975.00 deposit, 1 yr lease. References & application required. No Pets. Please call 318-471-4852. Owner is licensed Real Estate Broker. Waelder Properties, LLC. DUPLEX NEAR DOWNTOWN FOR RENT. 2 Bedrooms, 1 bath, newly renovated, LR, DR, Lg. kitchen, washer, dryer connections, 12’ ceilings, hardwood floors. Side and front porch. No Pets. References, $650 per month,1 month deposit. Call 318-471-6910. FOR LEASE 2 BR, 2 Bath, sunroom, Twin Home, Hwy. 494 Natchitoches, River Place Subdivision. Call 318-6632730 FOR LEASE Office at 506 Front Street. 1200 sq/f. 972-741-2996 FOR RENT 3 BEDROOM/2 BATH brick home. Central air/h. Fenced yard. No pets. Robeline area. $750/mo. $800/ deposit. Available May 1. 318-4649652.
FOR RENT 3 BR/1.5 BATH house. Nice yard. No inside pets. $700/month. $700/deposit. 318-880-8138. FOR RENT 3BR/2BA Mobile home at 374 Franklin Lane. $475/mo $200/deposit. 318-3321177. FOR RENT 4br/3ba home in Natchitoches. Fenced in yard with pool. $1300/mo. $1500/deposit. Contact Phillip @ 318-332-5116 FOR RENT Mobile home in Cedar Grove in Natchitoches. 318-9515280 or 318-352-6995.
OFFICE SPACE for professionals planning to expand services in Many, Louisiana, available in May. Businesses compatible with existing providers include Allied Health Professional, LCSW, LPC, Educational Specialisttutor, Legal or Accounting. The space provides shared administrative services, waiting room, staff and public bathrooms, kitchen and upkeep. Call 318-5176222 for information. R E M O D E L E D APARTMENTS- Historic District-Walking distance to NSU and Downtown, central a/c all appliances. Inexpensive utilities. Call Sutton Real Estate 3526267.
FOR RENT Clean, unfurnished 1 bedroom apartment in historical district. No pets-Must have references. $425/month. Call STUDIO APARTMENT Dan. 352-0059 at 511 E 2nd $400/mo; FOR RENT Newer model 3BD/2BA trailer at 239 $750/mo; 2 BR, 1 Bath, mobile home Fairgrounds 3BD/1Ba home at 531 close to NSU, Elizabeth $850 (Avail. $650/month, $500/deposit. 5/19). Call Rhodes Call 652-0183 or 581-0972 Properties at 318-238-3733 LARGE SHADY LOTS for new mobile homes right TWO - 1 bedroom apartoutside city limits. Call ments for rent in historic district. One is 525 w/ 525 352-3692 before 7 p.m. deposit and one is 475.00 MOBILE HOME for rent w/ deposit. ALSO: 2 BR. - 2 Bedroom, 1 1/2 bath - apartment historic district 1913 Hwy. 6. McCaa’s 750 w/ 750. ALL, NO Mobile Manor. Call 352- PETS, 318-609-0110 6453. OAK GROVE 2BR, 1 bath mobile home, quiet area. No Pets. Housing May-be. 1 year lease. References required. $475. 318-481-3031.
Boats/Accessories
FOR SALE 2010 Bennington 2075GLI. 21’ barge w/ 90hp Yamaha 4stroke. Navy/tan interior. Approximately 20 hours OFFICE DOWNTOWN use. No trailer. $24,700. $700. CANE HERITAGE Like new. Wayne @ 318REALTY, Carol McCoy 357-0207 or 318-357352-6460. 0243.
THE NATCHITOCHES TIMES Weekend Edition, March 22-23, 2014
House Shopping? START HERE!
REALTOR
®
Green spring cleaning ideas that are kind to Mother Nature Ingredients: 1/2 cup vinegar 2 tablespoons baking soda 1/2 teaspoon lavender essential oil Directions: Dissolve baking soda in vinegar, stir in lavender and pour into the water during your washer's rinse cycle. Line dry clothes for maximum green value. Or, if you must use a dryer, add a wool dryer ball to shorten drying time and soften clothes. To boost the fresh scent of lavender, sprinkle several drops on the dryer ball or on a paper towel and add to the dryer during the cool down cycle. * Prepare a multi-purpose cleaner to help brighten and freshen surfaces throughout your home. Mix two tablespoons of unscented liquid soap with four drops of lemon essential oil and two drops of tea tree essential oil. Pour the mixture into a gallon of warm water. Use this multi-purpose solution with a sponge mop or rag to remove dirt from floors and hard surfaces such as countertops and appliances. * Stock up on natural cleaning supplies such as lemon, peppermint, eucalyptus and tea tree essential oils, baking and washing soda, Borax, white distilled vinegar, spray and squeeze bottles, natural bristle scrubbing brushes, old newspaper, cotton dusting cloths and hemp or jute fiber scrubbing cloths. * Instead of chemical air fresheners that can irritate allergy sufferers, make your own room fresheners using cotton balls soaked in essential oil. Store in decorative ceramic dishes out of reach of children and pets. For bedrooms, lavender is relaxing. Lemon and other citrus oils are invigorating for bathrooms, and cinnamon and clove impart mouth-watering aroma to kitchens.
(BPT) - It's not necessary to use harsh chemicals and toxins to achieve a cleaner, fresh-smelling home this spring. Homemade cleaning products and earth-friendly tactics can help you clean green. Here are green cleaning ideas and a supplies list that will make Mother Nature happy: * Begin by decluttering, which requires no chemicals at all. As you're disposing of items you no longer need or want, be mindful of ways to keep them out of the waste stream. Donating gently used but no-longer-needed items such as clothing, furniture and books is a great way to reduce waste and cut clutter at the same time. * Clean windows instantly brighten your house inside and out, and they're one of the easiest household cleaning chores to do with natural tools. A simple solution of white vinegar and water (about two tablespoons of vinegar per gallon of water) makes an effective, low-cost and green window cleaner. Spritz on windows using a spray bottle and use newspaper instead of paper towels for a streak-free clean. Don't like the smell of vinegar? Straight lemon juice works just as well and smells distinctly like spring. * Pull out the white vinegar again to mix up a great floor cleaner that works well on surfaces from hardwood to vinyl to tile. You'll need to add three or four cups of vinegar to about a gallon of hot water. Add a few drops of your favorite essential oil - peppermint or lemon are popular choices - so that when the vinegar aroma evaporates, the wonderful scent of the oil will linger. * Laundering linens is a cornerstone of spring cleaning. Mass marketed liquids and dryer sheets, however, rely on softening chemicals and petroleum-derived fragrances to impart softness and scent. Try this simple, natural fabric softening recipe from the essential oil experts at Aura Cacia:
Is your home prepared for warmer weather? (StatePoint) Warmer weather is just around the corner, which means higher temperatures. But does it have to mean higher energy bills too? The answer is no. There are numerous ways to keep your home cool and bills low this summer. After a few months off, it
is vital to check that your air conditioning system is still working in an efficient and optimal manner. If you have a central air conditioning system, for peace of mind, you might want to have your system checked by an HVACR professional. In order to save, be sure to
By taking preventive measures, you can rest assured that this season you will be cool while saving money and energy.
shop around for special deals, which are not difficult to find for seasonal preventive maintenance. Understand however, that the proficiency of HVACR technicians differs greatly. When searching for the right HVACR technicians for your home, one way to make certain that the job will be done properly and effectively is by hiring a professional certified by North American Technician Excellence (NATE), the nation’s largest independent, non-profit certification body for HVACR technicians. NATE-certified technicians are qualified to properly install and service equipment, which means maximum home comfort and energy savings. Once a NATE certified HVACR technician has inspected your system for efficiency, there are a number of things you can do to keep energy bills low: • Clean your air filters. Check them every couple of weeks and change them at least twice in the season, or as directed by the manufac-
Fetch A Great Deal. All the news, sports, features, columns and classifieds— delivered. Call 318-352-3618 for more information on how you can subscribe to...
Natchitoches Times
The
turer. • Don’t obstruct airflow around air conditioner units — keep them clear of plants and debris. • Raise the thermostat about five degrees, because each degree you raise the thermostat will save you a percentage off your cooling energy bill. • Compare energy bills from last year. If your costs have significantly increased, simply contact a qualified HVACR technician — they can help determine the source of the problem. Remember, just because you have an energyapproved, eco-friendly, highefficiency product, it does not mean automatic money and energy savings. For substantive results, proper installation, service and maintenance are important too. So do yourself a favor — request the service of a NATE-certified technician. In order to locate a contractor that employs certified technicians, look for the NATE logo or go to www.HVACRAdvice.com.
Buying a home after marriage By Deena Weinberg
If you and your partner are excited about buying a home and don't want to wait until you get married, there is good news and bad news: The good news is that barring any financial hurdles, unwed couples can apply for loans and mortgages (as separate applicants) and make their homeownership dreams come true. However, should any snags occur in their relationship, unmarried partners do not have the same legal protections as married couples, and breaking up co-ownership of a house can be a messy ordeal. Alternatively, if both individuals have good credit ratings, couples buying a home after marriage are better able to qualify for loans and/or put down a down payment. The downside is that if one spouse has poor credit or a high debt-to-income (DTI) ratio, it will affect the other spouse's ability to secure a loan. Hence, the question remains: Should couples buy a house before or after marriage? Homeownership obstacles for unmarried couples There are many incentives for couples to buy a house before they tie the knot. Whether their decision is driven by a favorable buyer's market, by the intention to start building equity or, until recently, by a desire to benefit from the first-time buyer tax credit for unmarried couples (which expired as of June 30, 2010), there are many problems unmarried couples may run into, starting from when they apply for a home mortgage. While banks generally view married couples as one unit, unmarried couples must apply separately and are assessed as individual applicants. Since some banks require both parties to qualify for a mortgage, problems with either one of their records can put a dent in their quest to buy a house. Furthermore, if couples who own real estate together part ways before they say, "I do," the pathway for resolving property disputes -- i.e., equity, property division, buy-out provisions -- is a bumpy one. Indeed, real estate lawyers admit that the laws regarding property rights for unmarried couples are murky,
and therefore recommend that unwed partners establish a legal contract of their own. Get it in writing! If you intend to buy a house with your partner before marriage, the experts advise that you both sign a legal agreement to avoid altercations down the road. Your contract should fill in the blanks as to who pays and who receives what regarding expenses, mortgage, taxes, capital gains, property title and more. Credit ratings and buying a home after marriage If you and your fiancee are planning to buy a home after marriage, here are some credit rating pros and cons to consider: Pros: Your individual credit scores will not change. If both you and your spouse have good credit histories, your chances of qualifying for a mortgage loan increase when you apply as a couple. With your combined income, you may qualify for a bigger loan and be able to put down a larger down payment. Cons: If you apply jointly for a mortgage and your spouse has bad credit, it can affect your ability to secure a loan or to secure the loan amount you need to buy your desired home. You can apply for a mortgage alone, but with your single income you may only qualify for a lower amount. How to improve your spouse's credit The good news is that even if you or your spouse has had a poor credit rating in the past, you can help rewrite history and improve your credit score in the following ways: Include your spouse as an authorized signer on your credit card. Payments made on time are recorded on both of your payment reports and will boost your partner's score Encourage your spouse to work to pay off debts and decrease high debt balance. Once you have weighed the pros and cons, all that's left to do is decide whether you and your partner will sign on the dotted line before or after you sign your marriage certificate!
8B
THE NATCHITOCHES TIMES Weekend Edition, March 22-23, 2014
Land 4 ACRES TIMBERLAND on Hwy. 478, 1/2 Mile from Hwy. 117. CANE HERITAGE REALTY, Carol McCoy 352-6460. SELLING MY UNDIVIDED 1/2 INTEREST in 80 acres W/2 NW 9-10-6, $40,000. Call 318-3254411 or 318-537-2723.
For Sale 16’ UTILITY TRAILER with tool box, winch and riding mower, asking $1500. Garry 318-5817705 2007 CUB CADET 4X4 Utility vehicle. 3000 lb winch, weather cover, new tires. Great condition, $5,100. Call 318-7155126. WHIRLPOOL CABRIO WASHER AND DRYER.
Like New. Includes all hoses and cords for hook up. $500. Call 318-2283035
Furniture FOR SALE: QUEEN SIZE SLEEPER SOFA In excellent condition, $150. Call 318-352-6721.
Services CONSTRUCTION CONTRACTOR Additions, repairs, remodeling, and concrete work. Call 318581-3624. A+ TREE SERVICE Licensed & Insured *Pruning *Topping * Cabling *Removal *Stump Grinding. 27 years experience with Licensed Arbors on job site! 318402-9303 or 272-6235.
DEPENDABLE LAWN SERVICE - All your yard maintenance. Lawn cut, weedeating. Call Tommy for a Free estimate. 3571626 or 471-3608
MARVIN’S REMODELING - Painting, vinyl siding, leveling, foundation work, gutter work. Honest and dependable. Phone 318-228-4320 or 318-727DON BOEHLY - 0442. HANDYMAN - Pressure N A T C H I T O C H E S Wash Odd Jobs. CONSIGNMENT PLUS Natchitoches Parish only. We buy and consign used (Free Estimates) 318-527furniture. Stop by 223 2576. Broadmoor Shopping FOR ALL YOUR CON- Center, next to Sav-A-Lot STRUCTION and small Foods in Natchitoches or remodeling jobs. Free esti- call 318-238-4900 or 318mates for bath, kitchen, 228-7306. deck, and driveway and LAWN more. Call Jim Davis, con- STAN’S tractor 318-332-9927 or SERVICE Call for free after 5:00 pm 318-352- estimate. 318-880-1201 or 4361. Licensed and 318-356-0188 and leave insured. I change out old message. windows and install new STEVE’S WASHERS aluminum windows. 352-7773. We now repair GLORIA’S CLEANING front load washers & drySERVICE Houses, trail- ers. 15 years experience. ers, churches, move-in, P.S. We want your old move-out and any type of appliances. commercial cleaning. Mobile 318-471-8491. WILSHIRE WOODWORKS: From design HANDYMAN & PRESthrough installation, your SURE WASH SERVICE local full service source Free estimates, 40 mile radius of Natchitoches. for kitchen and bath cabinets, closets, custom furContact 318-663-3090. I’LL CUT YOU! LAWN niture, counter tops, and SERVICE. Free estimates. more. 5206 Hwy 1 North, Keith Scoggins 663-6699. next to the bowling alley. 318-354-2175 INDOOR/OUTDOOR BUILDERS L.L.C., Larry Mobile Homes Harper. Fencing, remodeling, room additions, ceram- BRAND NEW SINic tile,vinyl siding,cement GLEWIDE 3B/2B lots of work, drainage installation, room with open floorgeneral repairs. Phone plan. Only $29,995! 481-4603 or 352-9192. Won’t last. Call 318-752JOHNSON’S PAINTING 4663 & REMODELING Painting, carpentry & pres- NEW DOUBLEWIDE sure cleaning. Repair, paint only $39,995 delivery & beautify your home included! Open floor-plan today. Free Estimates. 3B/2B! Only one left. Call 318-752-8242 Please call 352-8923
NEW AND USED MOBILE HOMES! Largest selection in the ARK-LA-TEX! Let us show you how easy homeownership can be. Call now 318-752-8243
Real Estate 205 KELLY Newly renovated, this brick home has 1,371 square feet with 4 bedrooms and 2 baths. Priced at only $110,000. Let us show you how to buy this home with only $500. Call Bobby McIntosh, Broker/Owner of Realty USA, Inc. today at 318-354-1200. View photos at www.realtyusa.net.
For Rent 1 BR APARTMENT $400 a month plus utilities, security deposit required, 3 miles from NSU. Parish housing accepted. Call 318-357-8272 2 & 3 BEDROOM MOBILE HOMES for rent in Hidden Hills Mobile Home Park. Call 6520895. 2 BEDROOMS 1.5 BATHS UPSCALE TOWN HOMES SPRING SPECIAL, Spacious 1,180 SF, quiet country setting, close to NSU. Washer & Dryer included. 318-2384500
2/1 TRAILERS $475 to $550/month. ALL, No 3 BR CAMPHOUSE on Pets. Call 318-352-3953 or Cane River 1 mile north of 652-0666. Bermuda bridge. Good condition. 218ft water 2BR, W/D, Carport, nice frontage. $91,000. Will area near NSU. Lawn serfinance with $1,900 down vice, trash pickup, water and $660.39/month. Call paid, $475 dep., $575 rent. Pat Henry @ 318-357- Call 318-652-1506. 3 BR, 2 BATH Mobile 1010 home for rent on FOR SALE BY OWNER Fairgrounds Road, $600 a 4BR/2BA home in St. Clair month, $600 deposit. Call Estates. Recent updates 318-773-1128 include: engineered hardwood floors, granite coun- 3 BR/2 1/2 BATH tertops in kitchen, heated Furnished Doublewide on floor in master bath. Salt- private lot 1178 Hwy 480 water pool and large shop Campti. All appliances / fenced yard/ covered patio in back. $214,900. Call / carport/storage building. 318-663-4527 for appointOne year lease. No pets ment. inside. Not on housing. HOUSE FSBO 142 Frontier Drive, Natchitoches, 3 bedrooms/1.5 bath, Large Lot, Priced Below Appraisal, Possible Owner Financing 318-527-9248/318-6090180/318-352-7526
352-3453 3BED, 2 BATH Doublewide mobile home, 297 Paul Jordan Road. Central air/heat, acre lot, $700/month, $700/deposit. Call 318-332-0740 or 318773-1128.
3BR/2BA, 16X80 MOBILE HOME, like new, located 3 blocks from WalMart. $775 rent, $775 deposit. Call 318-3521020. B E A U T I F U L LY RESTORED 4/2 HOME, in Robeline. Hardwood floors, CA/CH, on corner lot, in good neighborhood. Storage building. $850 month, $500 security deposit. 318-663-3357 DOWNTOWN101 TOULINE ST, 2 BR, 1BA, Newly remodeled apt, new appliances, tile, hardwood floors, CA/CH. $975.00 month, $975.00 deposit, 1 yr lease. References & application required. No Pets. Please call 318-471-4852. Owner is licensed Real Estate Broker. Waelder Properties, LLC. DUPLEX NEAR DOWNTOWN FOR RENT. 2 Bedrooms, 1 bath, newly renovated, LR, DR, Lg. kitchen, washer, dryer connections, 12’ ceilings, hardwood floors. Side and front porch. No Pets. References, $650 per month,1 month deposit. Call 318-471-6910. FOR LEASE 2 BR, 2 Bath, sunroom, Twin Home, Hwy. 494 Natchitoches, River Place Subdivision. Call 318-6632730 FOR LEASE Office at 506 Front Street. 1200 sq/f. 972-741-2996 FOR RENT 3 BEDROOM/2 BATH brick home. Central air/h. Fenced yard. No pets. Robeline area. $750/mo. $800/ deposit. Available May 1. 318-4649652.
FOR RENT 3 BR/1.5 BATH house. Nice yard. No inside pets. $700/month. $700/deposit. 318-880-8138. FOR RENT 3BR/2BA Mobile home at 374 Franklin Lane. $475/mo $200/deposit. 318-3321177. FOR RENT 4br/3ba home in Natchitoches. Fenced in yard with pool. $1300/mo. $1500/deposit. Contact Phillip @ 318-332-5116 FOR RENT Mobile home in Cedar Grove in Natchitoches. 318-9515280 or 318-352-6995.
OFFICE SPACE for professionals planning to expand services in Many, Louisiana, available in May. Businesses compatible with existing providers include Allied Health Professional, LCSW, LPC, Educational Specialisttutor, Legal or Accounting. The space provides shared administrative services, waiting room, staff and public bathrooms, kitchen and upkeep. Call 318-5176222 for information. R E M O D E L E D APARTMENTS- Historic District-Walking distance to NSU and Downtown, central a/c all appliances. Inexpensive utilities. Call Sutton Real Estate 3526267.
FOR RENT Clean, unfurnished 1 bedroom apartment in historical district. No pets-Must have references. $425/month. Call STUDIO APARTMENT Dan. 352-0059 at 511 E 2nd $400/mo; FOR RENT Newer model 3BD/2BA trailer at 239 $750/mo; 2 BR, 1 Bath, mobile home Fairgrounds 3BD/1Ba home at 531 close to NSU, Elizabeth $850 (Avail. $650/month, $500/deposit. 5/19). Call Rhodes Call 652-0183 or 581-0972 Properties at 318-238-3733 LARGE SHADY LOTS for new mobile homes right TWO - 1 bedroom apartoutside city limits. Call ments for rent in historic district. One is 525 w/ 525 352-3692 before 7 p.m. deposit and one is 475.00 MOBILE HOME for rent w/ deposit. ALSO: 2 BR. - 2 Bedroom, 1 1/2 bath - apartment historic district 1913 Hwy. 6. McCaa’s 750 w/ 750. ALL, NO Mobile Manor. Call 352- PETS, 318-609-0110 6453. OAK GROVE 2BR, 1 bath mobile home, quiet area. No Pets. Housing May-be. 1 year lease. References required. $475. 318-481-3031.
Boats/Accessories
FOR SALE 2010 Bennington 2075GLI. 21’ barge w/ 90hp Yamaha 4stroke. Navy/tan interior. Approximately 20 hours OFFICE DOWNTOWN use. No trailer. $24,700. $700. CANE HERITAGE Like new. Wayne @ 318REALTY, Carol McCoy 357-0207 or 318-357352-6460. 0243.
