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Cincinnati/Dayton Information Guide [ 5 HOW TO USE THIS GUIDE
The NewMarket Services Information Guide is designed as a valuable resource tool for you, the newcomer to Cincinnati/Dayton. It is our intent in producing this publication to standardize important and helpful information on your new community in a format that is most useful to you. Cincinnati/Dayton Important telephone numbers, Welcomes You! packing and moving suggestions, and much, much more useful information is found throughout the Guide pages.
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(866) 595-3792 Toll Free From everyone at NewMarket Services Welcome to Cincinnati/Dayton!
6 ] Cincinnati/Dayton Information Guide www.newmarketservices.com Cincinnati/Dayton Information Guide [ Volume 11 [ Number 5 LOCAL INFORMATION The State of Ohio 8 Area Codes, Important Phone Numbers 11 Travel Information 12-13 Voter Registration 14 Weather 14 Driver’s License 15 About Cincinnati 9 Historical Background 16 Publisher: NewMarket Services, Inc. Neighborhoods 17-18 President: Patrick Morgan Things To See and Do 19-20 Managing Editor: Rebecca Wallace Media 21 About Dayton 24 Executive Editor: Jason Gerali Things To See and Do 25 Contributing Writer: Amy Tennant Media 25 Executive VP Sales & Marketing: Robert Fischer MOVING Regional Sales Manager: Beth Hurley Smooth Transitions 27-28 Art Department: Sprague Design Choosing a Moving Company 27 Packing Tips 27-28 Graphic Designer: Dean Sprague Staying Organized 28 NewMarket On-Line: Total Web Design, Inc. Settling Into Your New Home 28 IT and Web Development: Larry Bongiovi What’s All the Talk About? 31 Research Assistant: Stephanie Cooper, Lora Price Pre-Move Checklist 32-33 Relocating Your Pet 35 Circulation: Little Drummer Boy Dist., Inc.
Phoenix Office: MOVING WITH CHILDREN Reinforce the Positives 37-38 PO Box 30534 Choosing a School 37-38 Phoenix, AZ 85046-0534 Selecting Child Care 39-40 Phone: (602) 923-3415 Education 40-43 Fax: (602) 923-0774 Toll Free: (866) 595-3791 FITNESS & HEALTH Chicago Office: In the Kitchen 44 902 North Ashland Physical and Mental Well Being 45-46 Volunteering 47 Chicago, IL 60622 Phone: (312) 226-6288 HOUSING Fax: (312) 226-6290 Making the Right Choice 49-50 Toll Free: (866) 595-3792 Choosing the Right Home 51 NewMarket currently publishes Information Home Inspection Checklist 52 Guides for 95 North American and 32 Homecare Basics for New Homeowners 53 International Markets. To order your Security 54 NewMarket Information Guides for $3.50 Take Control of Your Energy Costs 55 each, please contact NewMarket Services toll free at (866) 595-3792. Home Buyer’s Glossary 56-57 Who’s Who in Building 58 In preparing this publication, every effort Selecting a Builder 59 has been made to assure the accuracy of Selecting a Contractor 60 the information contained herein, but authenticity cannot be guaranteed. Listings Banking & Mortgage Information 61-64 are subject to omission, error or change without notice. BUSINESS DIRECTORY Business Directory Listings 65-69 All material in this publication is copyright protected and can only be reprinted with permission of the publisher.
Cincinnati/Dayton Information Guide [ 7 THE STATE OF OHIO
Ohio is a major producer of machines, tires and rubber products, Toronto steel, processed foods, tools, and other manufactured goods. This NY MI is not immediately obvious because Ohio specializes in producer’s goods (goods used to make other goods, such as machine tools, CANADA Buffalo industrial chemicals, and plastic moldings). Nevertheless, there are Detroit well known Ohio consumer items including some Procter & Gamble products, Smuckers jams and jellies, and Day-Glo paints. As part of the Corn Belt, agriculture also plays an important role Cleveland PA in the state’s economy. There is also a small commercial fishing sector on Lake Erie, and the principal catch is yellow perch. In addition, Ohio’s historical attractions, varying landscapes, and IN OH Pittsburgh recreational opportunities are the basis for a thriving tourist industry. Columbus Over 2,500 lakes and 43,000 miles of river landscapes are a paradise for boaters, fishermen, and swimmers. Two major Indianapolis amusement parks, Paramount’s Kings Island and Cedar Point, are Dayton also important to the tourism industry. Of special historical interest WV are the Native American archaeological sites—including grave Cincinnati mounds and other sites.
VA Louisville KY hio is a Midwestern state of the United States. Part of the Fast Facts Great Lakes region, Ohio is a cultural and geographical POPULATION: 11,353,140 crossroads, which was settled by people from New O Columbus CAPITAL: England, the Middle States, Appalachia, and the upper south. Ohio is an Iroquoian word meaning “good river.” The name refers to the TIME ZONE: Eastern, UTC-5/-4 Ohio River that forms its southern border. LARGEST CITIES: Cleveland, Columbus, Cincinnati Ohio’s geographic location has proved to be an asset for NICKNAME: Buckeye State economic growth and expansion. Because Ohio links the Northeast STATE ANIMAL: White-tailed Deer to the Midwest, much cargo and business traffic passes through its borders on its well-developed highways. Ohio has the nation’s 10th STATE BIRD: Cardinal largest highway network, and is within a one-day drive of 50% of STATE FLOWER: Scarlet Carnation North America’s population and 70% of North America’s STATE MOTTO: With God all things are possible manufacturing capacity. To the North, Lake Erie gives Ohio 312 miles of coastline, which allows for numerous seaports. Ohio’s STATE NICKNAME: Buckeye State southern border is defined by the Ohio River (with the border being WEB SITE: www.ohio.gov at the 1793 low-water mark on the north side of the river), and STATE SALES TAX RATE: 5.5% much of the northern border is defined by Lake Erie. It borders Pennsylvania on the east, Michigan in the northwest near Toledo, Ontario, Canada across Lake Erie to the north, Indiana to the west, Kentucky on the south, and West Virginia on the southeast.
8 ] Cincinnati/Dayton Information Guide ABOUT CINCINNATI
OVERVIEW
incinnati is a city in southwestern Ohio that lies on the Ohio River and is the county seat of Hamilton County. Cincinnati’s rich history and culture are the legacy of its Cprominence as the second-largest city west of the Alleghenies in the mid-19th century. By 1826, Cincinnati had become known as the Queen of the West. Today the riverside city has a cosmopolitan atmosphere with a compact and accessible downtown. Having expanded up the slopes of the Ohio River’s steep hillsides, the city’s changes in elevation, turn-of-the-century architecture and winding, narrow streets provoke comparisons to the topography of San Francisco. A system of elevated walkways, called the Skywalk, connects the stores and restaurants of downtown. Situated on the meandering Ohio River, the city has a busy port and boasts a world-class zoo, the oldest Jewish seminary in the country, a variety of outdoor activities, memorable riverboat cruises and a top-rated art museum. As of 2005, Cincinnati’s population was 308,728, making it the third largest city in Ohio and the 55th largest in the United States. It has a much larger metropolitan area, commonly called “Greater Cincinnati,” which covers parts of Ohio, Kentucky, and Indiana. It includes the Ohio counties of Hamilton, Butler, Warren, Clermont, and Brown, as well as the Kentucky counties of Boone, Bracken, Campbell, Gallatin, Grant, Kenton, and Pendleton, and the Indiana counties of Dearborn, Franklin, and Ohio. As of July 1, 2005, the U.S. Census Bureau estimates that the Cincinnati-Middletown-Wilmington Combined Statistical Area has a population of 2,113,011 (making it the 20th largest in the country) and is growing at a rate of about one percent annually. It is considered to have been the first major American “boomtown,” rapidly expanding in the heart of the country in the early nineteenth century to rival the coastal metropolises in size and wealth. However, by the end of the century, its growth unexpectedly stopped and it was surpassed in population by many other inland cities. JUST THE FACTS Greater Cincinnati features all the amenities of a large, bustling metropolis while maintaining a friendly, small town atmosphere - a unique balancing act - but one that makes Zip Code: 45202 - 45255 the region a remarkably flexible location filled with a wealth of opportunities and options.Cincinnati is a region that provides all the economic, employment, transportation, Population: 2,113,011 education and quality of life advantages of a diverse metropolitan region. There’s a vitality County: Hamilton, Clermont here in Cincinnati - a dynamic workforce and environment where businesses grow and Median Age: 34.4 people thrive as Cincinnati strives to capture our place as one of the world’s favorite American business centers.all its renovations, was once an industrial center. Home Median Value: $123,089 Cost of Living: 98.0% Median Income: $45,161 Unemployment Rate: 5%
Cincinnati/Dayton Information Guide [ 9 NATIONAL HEALTH ORGANIZATION PHONE NUMBERS
National Health Organization Mental Health Simply dial plus the number below 1-800-*… National Alliance for the Mentally Illness (NAMI) 950-6264 Allergy National Down Syndrome Society 244-4444 Asthma & Allergy Foundation of America (AFFA) 727-8462 National Mental Health Association Resource Ctr 969-6642 Cancer Neurology American Cancer Society 227-2345 National Alzheimer’s Association 272-3900 American Institute for Cancer Research. 843-8114 Christopher Reeve’s Paralysis Foundation 225-0292 Leukemia and Lymphoma Society of America 955-4572 American Parkinson Disease Association 223-2732 National Cancer Institute (CIS) 422-6237 Epilepsy Foundation of America. 332-1000 Skin Cancer Foundation (SCF) 754-6490 United Cerebral Palsy Associations (UCPA) 872-5827 Children’s Health Huntington’s Disease Society of America 345-4372 American SIDS Foundation 232-7437 Brain Injury Association of America Family Hotline 444-6443 Cystic Fibrosis Foundation (CFF) 344-4823 National Headache Foundation 843-2256 Juvenile Diabetes Research Foundation 223-1138 National Multiple Sclerosis Society 344-4867 Sudden Infant Death Syndrome (SIDS) Alliance 221-7437 National Stroke Association 787-6537 National Reye’s Syndrome Foundation, Inc. 233-7393 Patient Care Spina Bifida Association of American 621-3141 Medic Alert Foundation U.S. 863-3425 or 432-5378 Infectious Diseases National Hospice Organization 658-8898 AIDS Hotline, CDC National, National STD Hotline 342-AIDS Shriner’s Hospital Referral Line 237-5055 (Spanish) 344-7432 Visiting Nurse Association of America 426-2547 (Hearing Impaired) 243-7889 Physical Disabilities Internal Medicine American Council of the Blind. 424-8666 American Diabetes Association 232-3472 American Speech/Language/Hearing Association 638-8255 American Heart Association 242-8721 or 968-1793 National Easter Seals Society 221-6827 American Kidney Association 638-8299 Woman’s Health American Lung Association 586-4872 Endometriosis Association. 992-3636 Arthritis Foundation 283-7800 Y-ME National Breast Cancer Organization. 221-2141 Crohn’s and Colitis Foundation of America, Inc. 932-2423 *This is a Toll-Free Number! Lupus Foundation of America 558-0121 This is only a partial list of national health organizations. National Kidney Foundation 622-9010 Contact the National Health Information Center (NHIC) Spondylitis Association of American (SAA) 777-8189 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.
10 ] Cincinnati/Dayton Information Guide AREA CODES AND IMPORTANT PHONE NUMBERS
City Area Code(s) St. Luke Hospital (East) (859) 572-3100 Cincinnati 513, Northern Kentucky 859, and Dayton 937 85 N Grand Ave. Ft. Thomas, KY 41075 Emergency St. Luke Hospital (West) (859) 572-3100 All Emergencies (Fire, Police, Ambulance) 911 7380 Turfway Road Financial Services Florence, KY 41042 www.healthall.com Automatic Teller Information University Hospital (513) 584-1000 ATM Locator (800) 248-4286 234 Goodman Street MasterCrd ATM (800) 424-7787 Cincinnati, OH 45219 VISA Plus System (800) 843-7587 www.healthall.com Lost or Stolen Credit Cards Upper Valley Medical Center (937) 440-4000 American Express (800) 233-5432 3130 N. Dixie Hwy. AT&T Universal Card (800) 423-4343 Troy, Ohio 45373 Diners Club (800) 234-6377 www.uvmc.com Discover Card (800) 347-2683 Services /Support Networks JCB (800) 736-8111 Directory Assistance 411 MasterCard (800) 826-2181 Alcohol & Drug 24-Hour Help Line (800) 562-1240 VISA (800) 336-8472 National Runaway Switchboard (800) 621-4000 Lost or Stolen Travelers Checks 24-hour hotline to link runaways to social service agencies or to American Express (800) 221-7282 their families. Confidential. Thomas Cook MasterCard (800) 223-7373 Teen Link (Various Topics) (800) 235-9678 Travelers Check Customer Service (800) 645-6556 Teen Health InfoLine (800) 998-3600 VISA (800) 227-6811 Utilities Hospitals Bethesda North Hospital (513) 745-1111 Gas and Electric Cinergy (800) 544-6900 10500 Montgomery Rd. Cincinnati, OH 45202 Cincinnati, OH 45242 www.cinergy.com www.trihealth.com Dayton Power & Light Company (937) 331-3900 Cincinnati Children’s Hospital Medical Center (513) 636-4200 www.waytogo.com 3333 Burnet Avenue, Vectren Energy Delivery (800) 227-1376 Cincinnati, OH 45229-3039 www.vectren.com (800) 344-2462 www.cincinnatichildrens.org Phone-Internet-Cable Deaconess Hospital (513) 559-2100 AT&T Telephone, www.sbc.com (800) 660-1000 311 Straight St. Cincinnati Bell Inc. (513) 565-6090 Cincinnati, OH 45219 221 East Fourth Street www.deaconess-healthcare.com P. O. Box 2301 Cincinnati, Ohio 45202 Good Samaritan Hospital (513) 872-1400 www.cincinnatibell.com 375 Dixmyth Ave. Time Warner Cable (513) 247-5060 Cincinnati, OH 45220 PO BOX 740466 www.trihealth.com Cincinnati, OH 45274-0466 Good Samaritan Hospital (937) 278-2612 www.timewarnercable.com 2222 Philadelphia Dr. Water Dayton, OH 45406-1891 Greater Cincinnati Water Works (513) 591-7700 www.goodsamdayton.com 4747 Spring Grove Avenue Miami Valley Hospital (937) 208-8000 Cincinnati, Ohio 45232 One Wyoming Street www.cincinnati-oh.gov/water Dayton, OH 45409-2793 Montgomery County (937) 781-2688 www.miamivalleyhospital.com www.mcohio.org
Cincinnati/Dayton Information Guide [ 11 TRAVEL INFORMATION
Airports Cathay Pacific, cathaypacific.com (800) 233-2742 Cincinnati/Northern Kentucky International Airport (866) 289-9673 China Airlines, china-airlines.com (800) 227-5118 P.O. Box 752000 China Eastern Airlines, flychinaeastern.com (800) 200-5118 Cincinnati, OH 45275 Egypt Air, egyptair.com.eg (800) 334-6787 www.cvgairport.com El Al, elal.co.il (800) 223-6700 CVG has remained one of the nation’s fastest-growing airports for Eurofly, eurofly.it (800) 477-6492 over 10 years, during which time annual traffic volume has doubled. Eva Airways, evaair.com (800) 695-1188 The airport is located 13 miles south of downtown Cincinnati in Iberia, iberia.com (800) 772-4642 Northern Kentucky. Japan Airlines,jal.co.jp/en (800) 525-3663 Dayton International Airport (KDAY) (937) 454-8200 KLM Airlines, klm.com (800) 374-7747 City of Dayton Department of Aviation 3600 Terminal Drive Korean Air, koreanair.com (800) 438-5000 Vandalia, Ohio 45377 LACSA, centralamerica.com/cr/lacsa/lacsa.htm (800) 225-2272 www.daytonairport.com LOT Polish, lot.com (800) 223-0593 Airlines - Domestic Lufthansa, lufthansa.com (800) 645-3880 Mexicana, mexicana.com (800) 531-7821 AirTran Airlines, airtran.com (800) 247-8726 Philippine Airlines, philippineairlines.com (800) 435-9725 Alaska Airlines/Horizon Air, alaskaair.com (800) 252-7522 Quantas, qantas.com (800) 227-4500 Allegiant Air, allegiantair.com (800) 432-3810 Singapore Airlines, singaporeair.com (800) 742-3333 American Airlines, aa.com* (800) 433-7300 Skyservice USA, skyserviceairlines.com (877) 485-6060 Atlantic Southeast, flyasa.com (800) 282-3424 Swissair, swiss.com (800) 221-4750 Comair, comair.com (800) 221-1212 TACA, taca.com (800) 535-8780 Continental Airlines, continental.com (800) 525-0280 USA 3000 Y Airlines, usa3000.com* (800) 872-3000 Delta Airlines, delta.com* (800) 221-1212 *denotes service to CVG Frontier Airlines, frontierairlines.com (800) 432-1359 Hawaiian Airlines, hawaiianair.com (800) 367-5320 Cruises/Resorts JetBlue Airlines, JetBlue.com (800) 538-2583 Disney World Reservations (800) 227-1500 Midwest Airlines, midwestairlines.com (800) 452-2022 Holland America Cruises (800) 426-0327 Northwest Airlines, nwa.com (800) 225-2525 Princess Cruises (800) 774-6237 SkywestAirlines, skywest.com (800) 453-9417 Royal Caribbean Intl. (800) 327-6700 Southwest Airlines, southwest.com (800) 435-9792 Hotels/Motels Spirit Airlines, spiritair.com (800) 772-7117 Best Western (800) 528-1234 SunCountry Airlines, suncountry.com (800) 359-6786 Budgetel Inns (800) 428-3438 United Airlines, ual.com* (800) 864-8331 Clarion Hotels (800) 424-6423 US Airways, usairways.com* (800) 428-4322 Comfort Inns (800) 424-6423 Virgin Atlantic, virgin-atlantic.com (800) 862-8621 Courtyard by Marriott (800) 321-2211 *denotes service to CVG Days Inn (800) 329-7466 Airlines - International Doubletree Hotels (800) 222-8733 Aer Lingus, aerlingus.ie (866) 886 8844 Econo Lodges (800) 446-4777 Aeroflot, aeroflot.aero/eng/ (650) 615-9278 Embassy Suites (800) 362-2779 AeroMexico, AeroMexico.com (800) 237-6639 Fairmont Hotels (800) 527-4727 Aerolineas Argentina, aerolineas.com.ar (800) 333-0276 Four Seasons (800) 332-3442 Air Canada, aircanada.ca (800) 247-2262 Hilton Hotels (800) 445-8667 Air China, airchina.com (800) 986-1985 Holiday Inns (800) 465-4329 Air France, airfrance.com* (800) 237-2747 Howard Johnson Motor Lodges (800) 654-2000 Air India, airindia.com Hyatt Hotels (800) 233-1234 Air Jamaica, airjamaica.com (800) 523-5585 La Quinta Motor Inn (800) 531-5900 Air New Zealand, airnewzealand.com (800) 262-1234 Loews Hotels (800) 223-6397 Alaska Airlines, alaskaair.com (800) 426-0333 Marriott Hotels (800) 228-9290 Alitalia, alitaliausa.com (800) 223-5730 Meridien Hotels (800) 543-4390 Asiana, us.flyasiana.com (800) 227-9262 Omni International (800) 843-6664 British Airways, british-airways.com (800) 247-9297 Quality Inns (800) 228-5151
12 ] Cincinnati/Dayton Information Guide TRAVEL INFORMATION
Radisson Hotels International (800) 333-3333 is $1.00; maximum fare in Hamilton County is $1.50. You must have Ramada Inns (800) 228-2828 exact change, and dollar bills are now accepted. Most buses run Red Roof Inns (800) 843-7663 out of Government Square (Fifth Street at Walnut and Main streets) Ritz Carlton Hotels (800) 241-3333 all day. There is also a downtown loop bus, Mon-Fri 10:30am- Sheraton Hotels (800) 325-3535 2:30pm. Metro cards are available for purchase at our sales office, Stouffer Hotels (800) 468-3571 120 E. Fourth Street (in the Mercantile Center) and throughout the Super 8 Motels (800) 800-8000 community. TraveLodge Motels (800) 578-7878 Rental Cars Westin Hotels (800) 228-3000 Advantage, www.arac.com (800) 777-5500 Inter-City Transportation Alamo, www.alamo.com * (800) 462-5266 Amtrak (800) 872-7245 Avis, www.avis.com * (800) 331-1212 1301 Western Ave. at Ezzard Charles Drive 45203 Budget, www.budget.com * (800) 527-0700 Amtrak trains traveling from cities east and west of Cincinnati Dollar, www.dollar.com * (800) 800-4000 make daily stops at Union Terminal. The station is open Mon Enterprise, www.enterprise.com * (800) 736-8222 9:30am-5pm; Tue-Sun 9:30am-5pm, 11:30pm-6:30am. Hertz. www.hertz.com * (800) 654-3131 Greyhound - Trailways Bus National, www.nationalcar.com * (800) 227-7368 1005 Gilbert Ave. at Court Street 45202 (800) 231-2222 Fox/Payless, www.foxrentacar.com (800) 225-4369 The inter-city bus service runs daily. Thrifty, www.thrifty.com (800) 367-2277 Limo Service * Courtesy phones are located near the exits in baggage claim areas for your convenience in making rental arrangements. Shuttles Over 36 limousine companies provide service to travelers at are available every 15-20 minutes to take you to the rental company Cincinnati/Dayton Hopkins International Airport. All limousine of your choice. Minimum car rental is normally for one day. service must be arranged in advance. Any state licensed company is allowed to pick up or drop off passengers at the terminal Shuttle Service curbside. Listed below are a sample of limousine companies that Airport Executive Shuttle (859) 261-8841, (800) 990-8841 have a permit authorizing them to wait on airport grounds for Airport Executive Shuttle can take you into the city and give you customers who have scheduled their services. a quick taste of the beauty and excitement of the Tri-State area, American Limousine Service (216) 221-9330 including downtown Cincinnati and the Kentucky side of the river. Cincinnati/Dayton Auto Livery (216) 421-1101 On-call service is provided to hotels and other locations throughout Cincinnati/Dayton Express (216) 661-9105 Greater Cincinnati and Northern Kentucky. Shuttles to Downtown Company Car (216) 861-7433 Cincinnati and Covington cost $15 one-way and $25 round-trip. Rideaway (216) 464-7433 Rates to other locations vary. Call 24 hours in advance to guarantee a reservation. Walk-up service is also available, however. Public Transportation TANK (859) 331-8265 Taxi www.tankbus.org (859) 767-3260 Public Bus service is available between the airport and downtown The taxi desk in the baggage claim area of Terminal 3 or use the Cincinnati and Covington seven days a week from 5 a.m. to courtesy phone near the exits of Terminals 1 and 2 (dial 3260) to midnight. Riders can board a TANK bus at the Terminal 1 crosswalk make arrangements. Service is available 24 hours a day. The fare and outside the Terminal 3 baggage claim. TANK operates more from the airport to downtown Cincinnati is $24. than 130 buses in the three county region. SORTA (513) 621-4455 1014 Vine Street, Suite 2000 Cincinnati, OH 45202-1116 www.sorta.com Southwest Ohio Regional Transit Authority (SORTA) is a tax- supported, independent political subdivision of the State of Ohio. SORTA operates Metro fixed-route bus service. Greater Cincinnati’s public transportation system, the Queen City Metro offers service through Hamilton County and parts of Claremont County. Base fare
Cincinnati/Dayton Information Guide [ 13 WEATHER
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Average High 31.9 38.0 50.5 62.0 72.3 80.4 83.7 82.1 76.2 64.5 51.4 39.2
Average Low 18.5 21.2 31.2 40.0 50.31 58.0 62.7 60.8 54.8 42.9 34.3 24.6
Average Precipitation 2.2 2.2 3.3 3.2 3.9 4.0 4.3 3.7 3.0 2.2 3.2 2.9
Temperature in degrees F, precipitation in inches
VOTER REGISTRATION
Voters must be registered in Cuyahoga County in order to vote in Download a Voter Registration Card at www.clevelandvotes.org any election. In order to vote in Cuyahoga County, you must meet (you must have Adobe Acrobat reader installed to view this file). the following requirements: Once you have completed the form and signed it, please mail to • You must be a United States Citizen; Cuyahoga County Board of Elections - 2925 Euclid Avenue, • You must be at least 18 years old on the day of the General Cleveland, Ohio 44115. If you have questions about filling out this Election; form, please contact us at (216) 391-0900. • You must be a resident of Cuyahoga County for at least 30 days; Montgomery County Board of Elections (937) 225-5656 www.mcboe.org • You must register to vote at least 30 days before an election to be eligible to vote.
14 ] Cincinnati/Dayton Information Guide AUTOMOBILE INFORMATION AND DRIVER’S LICENSE
Ohio’s motor vehicle laws that may differ from other states’ laws. Within 60 days you must take the ìexamination passed” form to Safety Belts - Ohio’s mandatory safety belt usage law requires a deputy registrar license agency where your driver’s license will be drivers and front-seat occupants of most passenger vehicles to issued. wear their safety belts whenever they drive or ride in a motor vehicle Individual driver licenses are valid for four years and expire on on Ohio’s roadways. If you are a driver under 18 years of age, all your birthday. occupants, front and back seats, must wear safety belts while operating on Ohio’s roadways. A violation of the safety belt law is Title, Registration and License Plates not a moving violation and carries no points on your permanent If you own a vehicle, you will need to have it inspected. The driving record. purpose is to avoid registration of stolen vehicles. All license Child Restraint Law - Any child who is less than four years of age agencies offer this service and many, but not all, new car dealers do or weighs less than 40 pounds is required to use a child safety also, so call ahead to be sure. Ask for the service department at the restraint that meets federal motor vehicle standards. car dealers. Window Tinting - The acceptable percentages of light The inspection of your vehicle will verify the make, model, body transmission for motor vehicles are as follows: for the windshield, type, and manufacturer’s serial number or vehicle identification the tinting must allow 70 percent light transmission; for all other number. You will be given the completed inspection form. This takes windows, the tinting must allow 50 percent light transmission, plus about five minutes. There is a $3.50 fee to the dealer or license or minus three percent. agency and a $1.50 fee to be collected at your next stop, the auto title office. Use of Earphones - The use of earphones while driving a motor vehicle is illegal, except motorcycle operators for communication Next, follow this checklist: purposes. • Go to any county’s Clerk of Courts, auto title office. License Plates Display - Two license plates are required for all • If your vehicle has two owners, both of you have to handle this cars, trucks, and motor homes. unless you get a notarized power of attorney (Power of Attorney Financial Responsibility Law - No one can operate a motor for Certificate of Title & Power of Attorney for Vehicle Registration) vehicle without proof of insurance. To comply with the law, liability for the one who can’t come; coverage of $12,500-$25,000 for personal injury or death and • If you have a lien on your car, you will have to request that your $7,500 for property damage is required. original title be sent directly to the title office so the lien can be Clerk of Courts’ Auto Title Division Offices recorded on the Ohio title as well as supply an original or copy of Downtown Office 1001 Main Street, Cincinnati, OH 45202 the loan papers; Eastern Hills 4790 Redbank Road, Cincinnati, OH 45227 • You will need to phone the Clerk of Courts to determine the Forest Park Office Kemper Road, Forest Park, OH 45240 charge for your title transfer. If sales tax is due, it will be collected Western Hills 5089-B Glen Crossing Way, Cincinnati, OH 45238 before the title is issued. The title transfer must be paid for in Bureau of Motor Vehicles (937) 233-7211 cash. If you lease a car, contact your leasing agency to find out 6134 Chambersburg Rd how they want you to handle the title transfer. It varies from Dayton, OH 45424 company to company; As a new resident to Ohio you need a new driver license, license • Now it’s off to the license agency to get your new license plates. plates, and an Ohio title for your car. Here are the steps to follow To register your vehicle in Ohio, you must present your new Ohio title (or memorandum of title, if your car has a lien). Driver’s License • The license agency will collect the proper registration fees Once you are an Ohio resident, you need to become an official depending on when you purchase your tags, what taxing district Ohio driver as soon as possible. You are considered an Ohio you reside in, and when your birthday is. For passenger vehicles resident once you: take a job, sign a lease, buy a home, register to and non-commercial trucks, the cost will range from $35 to vote, or enroll children in school. $105. Again, as with your title, the legal owners of the car must Once you are an Ohio resident, you need to become an official apply. Ohio driver as soon as possible. You are considered an Ohio License plates expire on the owner’s birthday or if the vehicle is resident once you: take a job, sign a lease, buy a home, register to leased, the registration expires on the 20th of the month designated vote, or enroll children in school. for the leasing company. There is no grace period. Registrations can Take your driver’s license and proof of social security number to be renewed by going to a deputy registrar license agency, mail-in the nearest Ohio State Patrol exam station. You will then be asked registration, by logging onto www.OPLATES.com or by calling the to surrender your valid-out-of-state driver’s license, take a vision toll-free number 1-866-OPLATES (1-866-675-2837). Addresses screening and written test on Ohio traffic laws and signs. (Written can be updated by filling out a form at the deputy registrar license test is usually waived if you have a valid out of state license.) agency or by logging onto www.OPLATES.com.
Cincinnati/Dayton Information Guide [ 15 HISTORICAL BACKGROUND
Cincinnati was founded in 1788 by John Cleves Symmes and helped the city grow to 115,000 citizens by 1850. The nickname Colonel Robert Patterson. Surveyor John Filson (also the author of Porkopolis was coined around 1835, when Cincinnati was the The Adventures of Colonel Daniel Boon (siq) Daniel Boone) named country’s chief hog packing center, and herds of pigs traveled the it “Losantiville” from four terms, each of different language; meaning streets. Called the “Queen of the West” by Henry Wadsworth “The city opposite the mouth of the (Licking) River,” “ville” is French Longfellow (although this nickname was first used by a local for “city,” “anti” is Greek for “opposite,” “os” is Latin for “mouth,” and newspaper in 1819), Cincinnati was an important stop on the “L” was all that was included of "Licking River." Underground Railroad, which helped slaves escape from the South. In 1789 Fort Washington was built to protect the settlements in Cincinnati also is known as the “City of Seven Hills.” The seven the Northwest Territory. The post was constructed under the hills are fully described in the June, 1853 edition of the West direction of General Josiah Harmar and was named in honor of American Review, “Article III—Cincinnati: Its Relations to the West President George Washington. and South.” The hills form a crescent from the east bank of the Ohio “With one hand he returns the fasces, symbol of power as River to the west bank: Mount Adams, Walnut Hills, Mount Auburn, appointed dictator of Rome. His other hand holds the plow, as he Vine Street Hill, Fairmount, Mount Harrison, and College Hill. resumes the life of a citizen and farmer.” — A statue of Cincinnatus Cincinnati was the site of many historical beginnings. In 1850 it in Cincinnati, Ohio. In 1790, Arthur St. Clair, the governor of the was the first city in the United States to establish a Jewish Hospital. Northwest Territory, changed the name of the settlement to It is where America’s first municipal fire department was established “Cincinnati” in honor of the Society of the Cincinnati, of which he in 1853. Established in 1867, the Cincinnati Red Stockings (a.k.a. was president. The society was named gets its name from the Red Legs), the Cincinnati Reds) became the world’s first Cincinnatus the Roman general who saved the city of Rome from professional (all paid, no amateurs) baseball team in 1869. In 1935, destruction and then quietly retired to his farm. The society was major league baseball’s first night game was played at Crosley Field. created in honor of General George Washington, who was Cincinnati was the first to build and own a major railroad in 1880. In considered a latter-day Cincinnatus because of his efforts in the 1902, the world’s first re-enforced concrete skyscraper was built, American Revolution and then subsequent quiet retirement to his the Ingalls Building. “The Sons of Daniel Boone,” a forerunner to the estate in Virginia. To this day, Cincinnati in particular, and Ohio in Boy Scouts of America, began in Cincinnati in 1905. Because of the general, is home to a disproportionately large number of city’s rich German heritage, the pre-prohibition era allowed descendants of Revolutionary War soldiers who were granted lands Cincinnati to become a national forerunner in the brewing industry. in the state. Cincinnati’s connection with Rome still exists today Cincinnati was an important stop for the Underground Railroad in through its nickname of “The City of Seven Hills” [3] (a phrase pre-Civil War times. It bordered a slave state, Kentucky, and is often commonly associated with Rome) and the town twinning program mentioned as a destination for many people escaping the bonds of of Sister Cities International. slavery. There are many harrowing stories involving abolitionists, In 1802, Cincinnati was chartered as a village, and in 1819, it was runaways, slave traders and free men. incorporated as a city. The introduction of steam navigation on the Ohio River in 1811 and the completion of the Miami and Erie Canal
16 ] Cincinnati/Dayton Information Guide NEIGHBORHOODS
Cincinnati is known for the architectural distinction of having the is undergoing a rapid renovation. With their historic character and largest collection of nineteenth-century Italianate architecture in the river views, houses range from $40,000 starter homes to country, primarily concentrated in the Over-the-Rhine $2,000,000 mansions. neighborhood, just north of downtown. With 52 neighborhoods, Mt. Adams from the row houses of Mt. Adams, the skyscrapers and Swiss Located on Cincinnati’s most famous hill, it offers a fabulous view chalets of East Walnut Hills, the Victorian houses on the slopes of of the city. The quaint, unique neighborhood has many Columbia-Tusculum, the mansions of Hyde Park, the Midwest- brownstones and condominiums designed to take advantage of the styled wood frame houses of Oakley, to Mt. Lookout and Paddock spectacular views. Mt. Adams is the best known of Cincinnati’s Hills gigantic collection of Tudor homes, Cincinnati is a city of variety. seven hills. Winding streets crisscross the hillside creating Cincinnati’s unique geography nestles its neighborhoods in small unparalleled views of the downtown skyline and the Ohio River. basins and the hillsides that overlook them. Because of this, many Many of the homes in this neighborhood, built in the late nineteenth of the city’s neighborhoods developed very strong identities. and early twentieth centuries, reflect the architecture and character Today’s outer neighborhoods such as Clifton, Hyde Park, Mount of the city’s past. Homes that have been refurbished are highly Washington, Westwood, College Hill, and Carthage originally were desirable, selling in days. settled as their own villages, with individual downtown sections of Oakley their own. Over-the-Rhine was an important neighborhood in Oakley offers home buyers a wide variety of styles and price German-American history. Northside also has its own identity. ranges from which to choose. Residents are within walking distance Also highly important to the city’s landscape is the division into to parks and shopping centers, including Oakley Square. Oakley is "East Side and West Side.” The division came about after the a growing neighborhood that offers both older and newer homes. construction of Interstate Route 75, which runs North from Colonials are as common as older brick and frame houses. With an Kentucky towards Dayton. The rivalry has been intense at times active business district and easily accessible shopping, parks, (limited violence or reported discrimination), but is considered churches and schools, all within walking distance, Oakley is popular mostly light-hearted, although a good number of city residents take among families. the division more seriously. Accents, fashion, attitudes, city planning Over-The-Rhine (i.e., the way the houses are laid out), financial demographics, and Once the home of thousands of German immigrants, Over-the- other items are some of the stereotypes and behaviors that Rhine maintains its turn-of-the-century aura. The neighborhood separate the two distinctions. One description of such differences earned its name because residents had to cross over the canal that that many locals refer to is that East Siders are "fake” and West ran through downtown, reminding them of the Rhine River in their Siders are not. Another description of differences is the statement homeland. that the East side "has the money and spends it,” and the West Located on the northern edge of the Central Business District, Side, "has the money and doesn’t spend it.” Though this division is Over-the-Rhine is the largest national historic district in the nation. often pointed to as a point of contention in the city, it has only led Numerous architectural styles are at play on the streets of Over-the- to limited incidents of violence or litigious discrimination, and is Rhine, including the largest collection of urban Italianate buildings in considered more of a "charming quirk” than a divisive hindrance to the United States. As the nation’s largest national historic district, society. the homes of Over-the-Rhine range from small two-bedrooms to Each neighborhood, from Westwood with 36,096 people to five-story residential buildings with the character that comes with California with 571, claims its own identity. Here is a sampling. years of aging. Many architectural styles including Italianate design East End make low cost properties a real opportunity for renovation and The seven-mile strip of land along the Ohio River from the foot of refurbishment. Mt. Adams to the Little Miami River has generally been known as Paddock Hills the East End since the late 19th century. This growing community Paddock Hills is a family neighborhood. It’s not uncommon to is a haven for sports lovers, with its numerous baseball fields, tennis learn that young adults who spent their childhood years in Paddock courts, boat ramps, soccer fields and other sports complexes. This Hills have purchased a house on the very same street where they growing community is a haven for sports lovers, with its numerous scraped their knees decades before. Singles, families, young and baseball fields, tennis courts, boat ramps, soccer fields and other old all enjoy the quiet comfort and peaceful serenity offered by the sports complexes. Avon Woods Nature Center, where neighborhood meetings and East Walnut Hills social gatherings are frequently held. Quiet cul-de-sacs and tree- What it lacks in square mileage, East Walnut Hills makes up for in lined streets isolate Paddock Hills’ residents from the noise of city character and charm. A small neighborhood just off of I-71, East streets. Tudors are the predominant architectural style, although Walnut Hills is known throughout the city for its historic mansions diverse architectural styles can be found bordering the golf course and multi-acre plots of land. The housing stock of East Walnut Hills and Paddock Hills’ picturesque wooded hillsides.
continued on page 18
Cincinnati/Dayton Information Guide [ 17 NEIGHBORHOODS
Westwood But it’s also the main vein of one of Cincinnati’s worst Westwood’s secluded streets offer a serene environment not neighborhoods: Over-the-Rhine. Main attracts Cincinnati typically associated with city living. Procter & Gamble founder suburbanites, hippies and yuppies, but many, unless they are doing James Gamble and many other wealthy industrialists built their volunteer work, never see the drag’s surrounding areas. It’s an homes in Westwood. Neighboring Mt. Airy Forest offers the city’s interesting dichotomy: flashy entertainment and food investments largest park and wooded area. On streets lined with tall shade trees, on one end, and poverty on the next. you’ll find older Tudor homes mixed in with traditional brick and The area is striving for improvement, though, made obvious by frame homes of every size. Duplexes and multi-family homes are the several neighborhood associations located on the street, as well also available in quantity. Single family homes make up a third of the as the number of Internet offices moving there. The bars often more than 16,500 housing units in Westwood. Housing prices run change ownership and names, as well as the restaurants, but many the full range, from condos and starter homes to large estates. antique shops and galleries have withstood the test of time. Main Street Regardless of Main Street’s revolving economic door, the strip is Main Street wears many faces. known city-wide as the place to go for a wild Saturday night, after It’s an entertainment district, with trendy dance clubs, restaurants a ball game or to find great art. and bars. It’s an artist area, with popular “Final Friday” parties and art gallery openings. It’s a culture and hobby area, with specialty, antique and music stores; a hub of Cincinnati Internet, with several Web start-ups and a "Silicon Alley” tag. And it’s a historical landmark, with some of the city’s most impressive architecture.
18 ] Cincinnati/Dayton Information Guide THINGS TO SEE AND DO
Museums Performance Arts Cincinnati Art Museum (513) 639-2984 Performing arts in the region, including orchestras, bands, 953 Eden Park Drive choruses, theater and ballet. A listing of professional and amateur Cincinnati, Ohio 45202 community groups with upcoming events. In addition to the art of ancient Egypt, Greece and Rome, there Arts Consortium of Cincinnati (513) 381-0645 are extensive galleries of Near and Far Eastern art, Native American 1515 Linn Street, West End and African art and extensive galleries of furniture, glass, ceramics, The Arts Consortium of Cincinnati (ACC) is the Queen City’s silver, costumes and folk art. Ranked ‘Top Art Museum for Families’ premier center for African American art and culture. It has operated by Parenting magazine, the museum offers public tours and continuously since 1972, making it one of the most enduring educational activities for all ages. institutions of its kind in the country. ACC has performance and Cincinnati Museum Center at Union Terminal (513) 287-7000 gallery space. 1301 Western Ave. Cincinnati, Ohio 45203 Carnegie Visual and Performing Arts Center (859) 491-2030 Cincinnati Museum Center is home to the Cincinnati History 1028 Scott Boulevard, Covington, Kentucky Museum, Cinergy Children’s Museum, the Museum of Natural The Carnegie Visual & Performing Arts Center is a History & Science, the Robert D. Lindner Family OMNIMAX Theater, multidisciplinary arts venue for all ages and provides events, and the Cincinnati Historical Society Library. educational programs, and art exhibitions to the community. Cincinnati History Museum With five art galleries, a magnificent turn-of-the-century theater, The Cincinnati History Museum opened in 1990 and is one of the and a brand new education center, the Carnegie is one of the most largest and most significant urban history museums in the country. prominent arts institutions in Northern Kentucky. The Cincinnati History Museum displays materials and related Cincinnati Ballet (513) 621-5282 aspects of the history of Cincinnati and the surrounding region. 1555 Central Parkway Cincinnati, Ohio 45214 Cincinnati Museum of Natural History and Science Rich with history, Cincinnati Ballet continues to thrill audiences Walk through a glacier and step back 19,000 years into the Ice with unparalleled performances. The company is a major part of Age of the Ohio Valley. Explore a re-created Kentucky limestone Cincinnati’s growing metropolis. From excellence on stage to cave, complete with underground waterfalls, streams, fossils and a outreach in local schools and community, the Cincinnati Ballet takes live bat colony. pride in the fact that it is an integral part of the culture of the city. Cinergy Children’s Museum Cincinnati Opera (513) 241-2742 Kids can climb, crawl, explore and learn about themselves and 1243 Elm Street the world around them in the Cinergy Children’s Museum. Discover Cincinnati, OH 45202 hands-on fun for kids of all ages in nine educational and dramatic In 1972, Cincinnati Opera moved from the Zoo Pavilion to its exhibit areas. present venue, Music Hall, a 3,417-seat theater listed as a National Cincinnati Observatory Center (513) 321-5186 Historic Landmark by the U.S. Department of the Interior. The 3489 Observatory Place company has also added performances and begun performing in Cincinnati, Ohio 45208 repertory on “Festival Weekends,” attracting visitors from 34 states The observatory is also open for public stargazing on most Friday for each of the past three seasons. nights and many Saturday nights for a nominal charge per person. Cincinnati Playwrights Initiative (513) 556-1798 Contemporary Arts Center (513) 345-8400 2328 Muriel Court, Cincinnati OH 45219 44 E. Sixth St. The Cincinnati Playwrights Initiative serves local writers by Cincinnati, Ohio 45202 producing their plays. The Contemporary Arts Center has a reputation for provoking thought and introducing new ideas. The CAC focuses on new Cincinnati Public Theater (513) 852-9058 3327 Ruther Avenue, Clifton developments in painting, sculpture, photography, architecture, Cincinnati Public Theater is a small arts organization dedicated to performance art and new media. highlighting regional talent in a professional atmosphere. National Underground Railroad Freedom Center (513) 333-7500 50 E. Freedom Way Cincinnati Symphony Orchestra (513) 621-1919 Cincinnati, Ohio 45202 1241 Elm Street Cincinnati, Ohio 45202 Now as in the past, Cincinnati’s location on the Ohio River puts it Over the years, the CSO has built a reputation as one of the at the crossroads of freedom’s journey. In the 1800’s the city served world’s foremost orchestras and a champion of the new music of its as a major hub of activity on the Underground Railroad and its day. The CSO has been home to the American premieres of works banks offered refuge to thousands seeking hope and a new way of by such composers as Debussy, Ravel and Bartók, and has life. Today, as the home of the freedom center, it acts as a beacon commissioned works that have since become mainstays of the of light once more. continued on page 20
Cincinnati/Dayton Information Guide [ 19 THINGS TO SEE AND DO classical repertoire, including Aaron Copland’s Fanfare for the Kings Island (513) 754-5800, (800) 832-1133 Common Man. The CSO was the first orchestra to be broadcast to 5688 Kings Island Drive a national radio audience (1921) and the third orchestra to record Kings Island, OH 45034 www3.paramountparks.com (1917). Today, the orchestra continues to commission new works Amusement Park and to program an impressive array of music. Ensemble Theatre (513) 421-3555 Shopping Your premiere theater. Anderson Towne Center (513) 232-3438 1127 Vine St., 7500 Beechmont Ave. Cincinnati, Ohio 45210 Cincinnati, Ohio 45255 Cincinnati’s professional premiere Off-Broadway theater, Anchored by the largest Kroger ever built, this open-air shopping dedicated to producing passionate, provocative, powerful plays and center also houses a K-Mart and Macy’s. musicals. Cincinnati Mills (513) 671-7467 Ovation Theatre Company (513) 369-1544 600 Cincinnati Mills Drive P.O. Box 9842, Cincinnati, Ohio 45209 Cincinnati, Ohio 45240 Ovation Theatre Company is a not-for-profit organization Cincinnati Mills combines manufacturers’ outlets, value retailers dedicated to producing innovative, artistic and professional quality and exciting restaurant and entertainment venues in an unparalleled theatrical productions that educate, heighten social awareness and experience, including several unique to market venues like OFF 5th entertain audiences in the Greater Cincinnati area. Ovation Saks Fifth Avenue Outlet. embraces awide spectrum of genres including classics, Eastgate Mall (513) 752-2290 modern/contemporary dramas and comedies, experimental/avant 4601 Eastgate Blvd. garde projects, and in the future, original works by local playwrights Cincinnati, Ohio 45245 and musicals. EastGate Mall is home to Dillard’s, JCPenney, Kohl’s, Sears and over 90 other fabulous stores and eateries, making it truly a total Professional Sports shopping experience. Cincinnati Bengals (513) 455-4800 Paul Brown Stadium Florence Mall (859) 371-1231 1 Paul Brown Stadium 2028 Florence Mall Cincinnati, Ohio 45202 Florence, Kentucky 45206 www.bengals.com www.florencemall.com National Football League Florence Mall features 130 specialty stores, a 15-unit Food Court and a Woolly Mammoth Playland. Cincinnati Excite (513) 648-9248 530 Northland Blvd. Kenwood Towne Centre (513) 745-9100 Cincinnati, Ohio 45240 7875 Montgomery Rd. www.cincinnati-excite.com Cincinnati, OH 45236 American Indoor Soccer www.shopkenwood.com Kenwood Towne Center is Cincinnati’s premier destination for the Cincinnati Marshals (877) 381-8873 most unique shopping experience. Three leading department stores 100 Broadway Cincinnati, Ohio 45202 and 180 specialty retailers make Kenwood Towne Centre www.cincinnatimarshals.com Cincinnati’s finest. National Indoor Football League. Northgate Mall Cincinnati Reds 9501 Colerain Ave. 100 Main St. Cincinnati, Ohio 45251 Cincinnati, Ohio 45202 (513) 385-5600 (513) 765-7000 The mall has more than 1.1 million square feet of retail space, and www.cincinnatireds.com is comprised of more than 100 specialty shops and four department Major League Baseball stores: Lazarus, Dillard’s, JCPenney and Sears. River Downs Racetrack (513) 232-8000 Tri-County Mall 6301 Kellogg Ave. 11700 Princeton Pike Cincinnati, Ohio 45230 Cincinnati, OH 45246 www.riverdowns.com (513) 671-0120 Horse Racing Tri-County Mall is Cincinnati’s most popular shopping destination. Cincinnati Zoo & Botanical Gardens (513) 281-4700, (800) 94-HIPPO Anchored by Macy’s, Dillard’s and Sears 3400 Vine St. Cincinnati, OH 45220 www.cincyzoo.org
20 ] Cincinnati/Dayton Information Guide MEDIA
Newspapers AM Radio The Cincinnati Enquirer (513) 768-8420 550 Talk Radio 312 Elm St. 700 News Radio Cincinnati, OH 45202 740 Christian www.news.enquirer.com 910 Talk Radio Daily newspaper owned by the Gannett Corp. 1050 Christian The Cincinnati Post (513) 352-2000 1160 Oldies 125 East Court St. 1230 Black Talk Cincinnati, Ohio 45202 1320 Spanish Radio news.cincypost.com 1360 Talk Radio Daily newspaper owned by the E.W. Scripps Company. 1450 Sports Radio The Cincinnati Herald (513) 961-3331 1480 Urban Adult Contemporary 354 Hearne Ave. 1530 Sports Radio Cincinnati, Ohio 45229 1560 Religious cincinnatiherald.com An African American weekly newspaper AM Radio The American Israelite (513) 621-3145 89.7 Eclectic Music 18 West 9th, Suite 2 90.9 Classical Cincinnati, Ohio 45202 91.7 NPR; Public Radio www.americanisraelite.com 92.5 Classic Rock A Jewish weekly newspaper 93.3 Christian The Cincinnati Business Courier (513) 621-6665 94.1 Adult Contemporary 101 W. Seventh Street 94.9 Oldies Cincinnati, OH 45202 96.5 Country cincinnati.bizjournals.com 97.3 Alternative Rock A weekly business publication 97.7 Modern Rock 98.5 Soft Rock TV Stations 101.1 Contemporary Channel 5 NBC 101.9 Top 40 Channel 9 ABC 102.7 Rock Channel 12 CBS 103.5 Oldies Channel 19 FOX 104.3 Contemporary Christian Channel 64 CW 105.1 Country Channel 36 TBN 105.9 Country Channel 38 MyTV 107.1 Top 40 Channel 48 PBS
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To speak with a reservation agent please call toll-free 1.888.320.7125 ABOUT DAYTON
OVERVIEW
ayton is a city in southwestern Ohio. It is the county seat and largest city of Montgomery County. Dayton is situated within the Miami Valley region of Ohio, just Dnorth of the Cincinnati metropolitan area. Dayton has received the All-America City Award three times. Dayton metropolitan area, which includes the communities of Vandalia, Trotwood, Kettering, Centerville, Beavercreek, West Carrollton, Huber Heights, Troy, and Miamisburg, had a population of 843,577 as of the 2005 estimate. Dayton’s nine historic neighborhoods — Oregon District, Wright-Dunbar, Dayton View, Grafton Hill, McPherson Town, Webster Station, Huffman, St. Anne’s Hill, and South Park — feature mostly single-family houses and mansions in the Neoclassical form of architecture. Dayton plays host to significant industrial, aerospace, and technological/engineering research activity and is known for the many technical innovations and inventions developed there. The city was the home of the Wright brothers, poet Paul Laurence Dunbar, and entrepreneur John H. Patterson. The Dayton area is home to several major international, national, and regional corporations, including NCR, Reynolds & Reynolds, Liberty Bank, Standard Register, WorkflowOne (formally Relizon), Huffy Bicycles, LexisNexis, and Mead prior to becoming MeadWestvaco. The city has a rich heritage of inventions and innovations, with more patents per capita than any other city in the nation. Some of these inventions include the cash register, the stepladder, microfiche, waterproof cellophane, pop top beverage cans, the movie projector, space food, parking meters, the aircraft supercharger, the automobile self-starter, gas masks, and the parachute. DAYTON DEMOGRAPHICS
County: Montgomery Population: Metro-843,577 City -158,873 Area: 56.6 sq mi
Median Age: 36.6
Afro American 14.20% Asian 1.20% Hispanic 1.20% Other 0.20% White/Caucasian 82.30%
Median Income: $34,978
Website: www.ci.dayton.oh.us
24 ] Cincinnati/Dayton Information Guide THINGS TO SEE AND DO
Dayton is home to the Dayton Art Institute, a museum of fine arts. National Museum of the U.S. Air Force The National Museum of the United States Air Force is at nearby 1100 Spaatz Street Wright-Patterson Air Force Base. Wright-Patterson AFB OH 45433 www.nationalmuseum.af.mil Benjamin & Marian Schuster Performing Arts Center The Dayton Aviation Heritage National Historical Park Second and Main Streets Dayton, OH 45402 commemorates the lives and achievements of Dayton natives (937) 228-3630 Orville and Wilbur Wright and Paul Laurence Dunbar. www.schustercenter.org SunWatch Indian Village/Archaeological Park (937) 268-8199 Dayton Art Institute (937) 223-5277 2301 West River Rd. 456 Belmonte Park N. Dayton, OH Dayton, OH Dayton is also home to a variety of performing arts venues. The Dayton Aviation Heritage National Historical Park Benjamin and Marian Schuster Performing Arts Center at the corner 16 South Williams Street of Second and Main, is the home performance venue of the Dayton Dayton, Ohio 45402 Philharmonic Orchestra and the Dayton Opera. In addition to (937) 225-7705 www.nps.gov/daav Philharmonic and Opera performances, the Schuster Center hosts SunWatch Indian Village/Archaeological Park is located on the concerts, lectures, traveling Broadway shows, and is a popular spot south end of Dayton. SunWatch is the location of a 12th century for weddings and other events. The historic Victoria Theatre, American Indian village that has been partially reconstructed and located at the corner of First and Main, hosts concerts, traveling includes a museum where visitors can learn about the Indian history Broadway shows, ballet, a summertime classic film series, and of the Miami Valley. much more. The Loft Theatre, also on Main Street, is the home of the Human Race Theatre Company. Dayton Opera (937) 228-3630 138 N. Main St. The Loft Theatre (937) 461-3823 Dayton, OH 45402 126 North Main Street Dayton Philharmonic Orchestra (937) 228- 3630 Suite 300 109 N. Main St. Dayton, Ohio 45402-1710 Dayton, OH 45402 Victoria Theatre Association (937) 228-3630 138 North Main Street Dayton, OH 45402
MEDIA
Newpapers Dayton City Paper (937) 222-8855 Dayton Daily News (937) 222-5700 www.daytoncitypaper.com www.daytondailynews.com A is a free weekly circulation newspaper The principal general-circulation daily newspaper
Cincinnati/Dayton Information Guide [ 25 26 ] Cincinnati/Dayton Information Guide MOVING
SMOOTH TRANSITIONS
Choosing a Moving Company Have 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 certain amount. 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 Responsibilities When You Move” booklet. Relocation to Your New City If 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 to facilitate your move. If you are selling your present home and/or buying a new one, refer to the home inspection 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 “Buying vs. Renting” will help you assess the pros and cons of each. Whatever decisions you face based on your particular circumstances, stay positive, calm and organized. And, don’t forget to make some time just for yourself. It will probably save you 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 corrosive chemicals. • After cleaning out the refrigerator and/or freezer, place pieces of charcoal in them to prevent 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 in boxes. 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 with compartments. • Individually wrap and cushion electrical appliances. • Make sure liquids and foodstuffs are placed in carefully sealed containers. Wrap and pack kitchenware tightly to prevent damage.
continued on page 28
Cincinnati/Dayton Information Guide [ 27 SMOOTH TRANSITIONS
• Chests and dressers should not be overloaded since glued where these boxes go. This way, movers will be directed to the furniture joints could collapse. correct rooms if you’re not available to tell them where to put • Unusually shaped or valuable items should be crated or moved each box. by you and not the movers. Easily crushed items should be • Make a detailed floor plan for where you want things to go in your individually boxed and cushioned. new home. Photocopy it so you can tack up copies in every room • You should not remove home fixtures such as window treatment for the movers. hardware, towel racks and electrical fixtures. Unless your sales • Take snapshots of wall units and shelves, so you know how agreement specifically states otherwise, such items are usually things were arranged on them. considered legally part of your residence. Let the moving Settling Into Your New Home company pack furniture, mirrors and artwork to prevent damage. • Start by making the beds. Bedding tends to be bulky and Stay Organized eliminating lots of boxes quickly and easily will be encouraging. Here are some basic tips to help make moving less traumatic: • Unpack and organize children’s belonging’s next. Young children • Pack an “Immediate Box” or an overnight suitcase with the will quickly become restless without familiar things. Remember to necessities you’ll be needing right away. Don’t forget to include position storage hooks and shelves that children will be using medicines and a first aid kit, toilet paper, tissue, and paper within their reach. towels. • Next, tackle the kitchen. This job will go much faster if each box • Pack an “Immediate Kitchen” box including trash bags, the has been specifically labeled as to its contents. Simply labeling coffee pot or tea kettle, toaster, plastic silverware, paper plates, “Kitchen” doesn’t help you prioritize which box to unpack first. styrofoam cups and some non-perishable snacks, such as • Stay positive. Getting settled into your new home can seem crackers, peanut butter, dried fruit. This way, there will be some overwhelming unless you look at it as a series of small projects. instant sustenance while you get organized. • Affix colored labels to the moving boxes according to destination. • Congratulate yourself! You accomplished a lot today! Put the same-color labels or signs on the door of the rooms
28 ] Cincinnati/Dayton Information Guide 12/31/11. 30 ] Cincinnati/Dayton Information Guide WHAT’S ALL THE TALK ABOUT. YOU PACK, THEY DRIVE MOVING?
Moving Decisions Save Time and Money Are you faced with an upcoming job relocation? With so many The “you pack, they drive” moving alternative saves you the options for moving your household items, it can be a difficult trouble of driving an unfamiliar vehicle as well as the stress and decision to determine which service best fits your moving needs. difficulty during a long-distance drive. Since the estimates provided Also, with a limited relocation budget from your employer to cover for this service are based on volume (space) and not weight, you will your moving costs, finding a service that complements your avoid unexpected higher moving costs and hidden fees associated pocketbook is important as well. While hiring a professional moving with other full-service moving companies. Unlike a rental truck, the company may be time-saving, the cost for full-service moving could normal moving expenses such as fuel, taxes, tolls, and unexpected be several thousand dollars. A recent trend in the moving industry costs such as flat tires and engine blowouts are covered by the is the do-it-yourself moving option. Most people associate do-it- service provider. yourself with the truck rental option; however, the “you pack, they Loading Service Options drive” moving alternative is becoming increasingly popular. The cost savings of using the “you pack, they drive” service New Moving Alternative largely result from packing and loading your trailer. Some customers With this type of service, you are expected to pack and load your may not have the physical ability or manpower to pack and load items in an adequately-sized commercial trailer. You are given up to their own trailer. This problem is relatively easy to solve—simply two business days to pack and load your goods. The cost of the check with one of the packing and loading companies suggested move is controlled by the customer because this service allows you by the “you pack, they drive” service provider. You can locate to pay for only the spaced used in the trailer. Once you have packing and loading assistance in both your origin and destination completed the packing and loading process, the trailer is picked up cities. By combining the “you pack, they drive” service with local by the local dispatch office. The trailer is then transported by a loading and unloading assistance, you can save money versus professional driver to your destination. You will receive an estimated using a full-service moving company. arrival time for delivery of your goods and will also have the ability to The Choice is Yours track your goods during the transit of your move. Upon arrival at During your search for the best moving option for your upcoming your new home, the trailer is delivered at the appointed time and job relocation, consider the “you pack, they drive” moving option you will unpack and unload your goods. The local dispatch office and know that you are in control of every aspect of your move. You will then come and remove the empty trailer. will not only save time and money, you will experience less stress and headache during an already stressful part of your life.
Cincinnati/Dayton Information Guide [ 31 PRE-MOVE CHECKLIST
One Month Before Two Weeks Before
Take Inventory. Decide what to keep and what to get rid of. Notify Phone Company: Your new local phone company should be notified of your move no sooner than 30 business Reserve a rental truck or select a moving company. Look for days prior to move, and no later than 5 business days before rental trucks and moving companies in local brochures, yellow moving. The service representative will run a quick credit check pages, or through your rental agent/ real estate broker. and assign you a new telephone number. Make a moving file for important documents, such as family Notify Utilities: The electric and gas service companies should medical and dental records, school records, legal documents be contacted at least two weeks before your move. The old and titles, banking and financial statements, stock and bond service will need your move out date and you should request certificates, tax returns, birth certificates and insurance the return of any deposits at this time. The new service will documents. Include all receipts – many expenses are tax need your move in date to determine when service will be deductible. turned on or transferred to your name. You can inquire if they Make any car rental, airline or hotel arrangements. have a billing plan to balance out of season differences by paying a set amount each month. If moving into an apartment, Gather moving supplies such as boxes, tape, bubble wrap and check with the property manager to see if service was left on paper for wrapping. before you call the utility companies. Write down the emergency numbers to call in event of a problem or outage. Post Office: A week before you move, you should stop by your local post office to fill out a change of address cards. Banks: (checking accounts, investments, etc.): Before you Correspondence cards are also available to send to various move to your new city, make sure all existing accounts in your companies such as credit card companies, magazine old bank are closed. Find a new bank to fill your personal publishers and any other organizations that should be needs and open accounts, order checks and obtain direct informed of your move. The mail will be forwarded to your new deposit forms if applicable. home for a full year. After a year, the mail will be returned to the sender with your new address stamped on it. You can get an Find a new doctor and dentist and have your family’s medical official change form at the local post office or on the Internet at records transferred to them. www.usps.gov/movernet. Refill any prescription medications which must be taken Credit Card Companies: Immediately notify all your credit card regularly and arrange to have those prescriptions transferred to companies of your move. Keeping an individual file on each your new city. one makes this process much easier. We suggest using the Arrange to register your children in their new school(s). Contact correspondence cards offered at the post office in addition to their current school(s) to have their records forwarded. requesting 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 and are insured by a fairly large company, they will most likely have an office in the city you are moving to. If you need to find a new company, it is important to get homeowners insurance at least one month before the move. Those moving to an apartment need to contact the insurance company two weeks before the move. If you have large amounts of jewelry and/or furs coats it’s important to contact the agency as soon as possible since you will be needing additional coverage.
Remember to request the return of any security deposits.
32 ] Cincinnati/Dayton Information Guide PRE-MOVE CHECKLIST
One Week Before Moving Day
Confirm any travel plans or reservations. Early on moving day, reserve a large place for the moving truck to park. Mark off an area with cones or chairs. If you need to Finish packing and make sure all boxes are clearly labeled. obtain parking permission from your apartment complex Subscribe to the local newspaper and visit the Chamber of manager or the city, do so in advance. Commerce in your new city for additional community Before work starts, walk through the house with the movers information. and describe the loading order. Show them items you intend to Change of Address Notification: You will need to notify the transport yourself. You should have these items grouped in an Postal Service that you are moving. It is now possible to do so area prior to the movers arriving. Remain on site to answer the without visiting the post office. Go to website listed above. For movers’ questions and to provide special instructions. the fee of $1.00 you may fill out the address change Walk through your home and make sure that everything was information online and receive an email confirmation. Or you loaded. Make sure you have the keys to your new home. may choose to print the form and mail it to your local post office. US Postal Service, www.usps.com Remember that professional movers expect to be paid in full before your goods are unloaded. Check for damage, as items Notify IRS: You will also need to notify the IRS that you have are unloaded and report any problems right away. moved. This will ensure you receive your IRS refund and/or any other correspondence. To change your address with the IRS, Unless the company’s policy prohibits the acceptance of complete a Form 8822 (PDF), Address Change Request. This gratuities, it is customary to tip each mover. $20 is a good is available on the IRS website. IRS, www.irs.gov amount; you may want to tip more or less based on the service you received. One Day Before If you are moving yourself and getting help from friends, make sure you create a task list. Be sure to have everything packed Pick up your rental truck or confirm your move with the moving before your help arrives. It is natural for people to work in pairs, company. but you should consider each person’s physical ability and Make sure you and your movers have the directions to your health status. Plan to provide beverages and food for your new home. Plan your travel so that you will be there to greet volunteers. Load the truck according to the directions your them and unlock your home. Have a backup plan in case one truck rental agency gave you, and make sure that you of you gets delayed. understand how to operate and drive the rental truck before you leave the agency. Obtain the driver’s cell phone number and give him/her yours so 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 make necessary arrangements.
Cincinnati/Dayton Information Guide [ 33 COLUMBUS • CINCINNATI • COLUMBUS
VILLAGEGREEN
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GREEN / VG BENEFITS / RESORT-CLASS AMENITIES SEXY BATHROOMS / V.A.L.U. ADDED LUXURY UPGRADES FURNISHED/UNFURNISHED / SHORT-TERM/LONG-TERM URBAN/SUBURBAN / SOCIALLY RESPONSIBLE / ROOMMATE REWARDSS RELOCATING YOUR PET
Your coffee is finally brewing after what seemed like an endless After making a list of local veterinary clinics, take the time to go search through the boxes left by the moving company. The disk visit them. Talk to the staff. Ask about office hours, fees, whether jockey on the radio reads the weather forecast and you learn that it appointments are required, and what services are available. Also, is -5 degrees outside with an expected high of 0. Welcome to your ask if it is possible to talk to the doctor so that you can introduce new city, but at least your company gave you a nice raise for yourself and at least have a first impression to help you make your relocating. choice. Just as you start thinking that everything is proceeding smoothly Finally, ask your neighbors which veterinarians they take their and that your new city really does have a lot to offer, you realize pets to and why. Then, of course, it’s your decision, but at least you Prince, your four-year old Great Dane, isn’t acting right. Now what? have gathered some information on which to base your decision. Is he really sick? Homesick? What’s worse is that you don’t know All dogs should be vaccinated for the possibly fatal disease where the closest veterinarian is located and, of course, he or she Parvovirus. can’t be as good as Dr. Morris…and Prince just loved Dr. Morris. Remember to NEVER leave your pet in a car in hot weather, as Farfetched? Not really. Pets are probably most overlooked when heat conditions in cars can quickly become fatal to animals. it comes to relocating. Most people just expect their pets to wake up completely adapted to their new surroundings as if nothing changed. Although this is true for many pets, just as many find relocating to be traumatic. Furthermore, most people wait until their pet is ill before finding a new veterinarian. What should you do then for your pet when relocating? Actually the place to begin is in your hometown before you move. Speak to your own veterinarian and tell him/her where you are moving and ask his/her advice. In most cases, this alone will be sufficient to find out what is necessary to prepare your pet for transition. Further, people will be surprised how often their veterinarian can recommend someone in the area where they are moving. Whether or not this person will actually become your new veterinarian is not as important as the peace of mind that the recommendation is from someone you trust. Finally, don’t wait until your pet is ill before looking for a veterinarian. This is an extremely emotional time and nothing can be more traumatic than having to find a veterinarian in the midst of a crisis. It is obvious, then, that you should find a new veterinarian before that first crisis occurs so that when the need arises, you will be prepared. How do you go about finding a new veterinarian in a new city? The best place to begin is simply the NewMarket Services Information Guide. Location is an important factor, as many pets don’t travel well and, in the case of emergency, distance may be a factor in receiving timely treatment.
Cincinnati/Dayton Information Guide [ 35 36 ] Cincinnati/Dayton Information Guide MOVING WITH CHILDREN
REINFORCE THE POSITIVES
Get family members focused on and involved in the process of moving. Hold a family meeting to discuss why, where, when and how the family will move. Encourage everyone 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. Take photos or videotape the new house and neighborhood. Make lists for each older child of things 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, special events and amusements. Help children prepare for the move by having them assist with packing. Let them pack a box of special clothes, toys or books they would like readily accessible at their new home. Let each family member help plan how to set up his or her bedroom. Have them help select paint or wallpaper. Let them share ideas how to arrange the 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 are part of a strong community that shares the family’s educational values. Children are eager to go there because the school program stimulates their curiosity and provides them with outlets for their interests. Parents will be pleased because their involvement in their children’s education will be welcomed and encouraged. In order to find the best school for your child, you should begin by observing your child’s learning habits. Even as preschoolers, children begin to develop different approaches to learning. These inclinations provide strong clues about what kind of school would serve them 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’s orientation 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 more freedom? • 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 other characteristics you notice about your child. As you read more about individual schools, and when you visit the ones that interest you, you will be better able to choose a school that suits your child. continued on page 38
Cincinnati/Dayton Information Guide [ 37 REINFORCE THE POSITIVES
For high school, parents often choose a new school for their Before beginning a search for a school, parents should reflect on children. This is frequently because their current school goes only these questions, and their expectations for schools. Parents who through eight grade. As you look for a high school, consider your choose schools wisely are pleased after their children enroll child’s learning style as well as his or her interests when deciding because the family and the school work in harmony with a common upon a school. Also keep in mind your own family goals, which may set of expectations for the youngsters. Admissions directors at involve preparing for college, in making this important choice. schools will gladly connect you with parents of current students so What about family expectations? In order to provide a good you can make an informed choice for your child. match, a child’s school must also meet a family’s needs. Here again, Most schools believe parents should have a strong role in their you may want to prepare a list of expectations and use it as a guide children’s education. Being involved in a child’s education in the search for the best school for your child: strengthens the whole family and sends a message to children that education is an important part of their lives. Schools know that the • What goal do you have for your child’s long-term education? Is way in which parents choose to become active in their children’s college preparation a priority? schools varies greatly. They provide many different opportunities for • How important to you is parental involvement in school activities? parental involvement. Most schools have strong parent associations • Do you expect the school to have a role in developing a child’s that organize social events, help coordinate volunteer activitied, and character by encouraging respect for adults and peers as well as provide an organizes means of communication between parents others in society, including the disadvantaged? and school. • How important is it to you that you have a strong relationship and Each of these encounters strengthens the life of the schools and share a philosophy with other parents at the school? creates a community of committed adults supporting the goals of • How interested are you in providing a home setting that gives the schools and the students. This feeling of community, with adults your child time for homework? and students working together for a common purpose, is one of the • How important to you is a before-school and after-school distinguishing strengths of a good schools. program? Cincinnati Public Schools operates the public schools in the city, including 16 high schools, each accepting students on a city-wide basis. The Cincinnati area is also home to a number of Catholic high schools, most of which are single-sex. The city of Cincinnati is also home to a variety of private schools. Ohio Department of Education 25 South Front St. Columbus, Ohio, 43215 www.ode.state.oh.us Cincinnati Public Schools (513) 363-0000 P.O. Box 5381, 45201-5381 2651 Burnet Avenue Cincinnati, OH 45219 www.cpsboe.k12.oh.us Cincinnati Board of Education (513) 363-0040 P.O. Box 5381 Cincinnati, OH 45201-5381 www.cpsboe.k12.oh.us Dayton Public Schools (937) 542-3000 115 S. Ludlow Street Dayton, Ohio 45402 www.dps.k12.oh.us During the 2006-2007 school year, DPS also is moving ahead at an accelerated pace with our construction program to build new neighborhood schools for Dayton’s children. We are opening four new neighborhood schools this year, featuring bright, safe, and state-of-the-art classrooms. We also will break ground for nine more schools and see 11 additional schools through the design phase. These new schools will anchor their neighborhood and be available for community use after school hours.
38 ] Cincinnati/Dayton Information Guide SELECTING CHILD CARE
When you’re new to a community, locating a person or program a half-day program for three or four days a week or they can be part to provide child care for you is not the easiest of tasks. Due to of a full day program at a child care center. expanding demand, just finding an opening may be difficult. Before/After School Programs Pinpointing a place that is not too far or too expensive and, most These programs give children additional time and opportunity to importantly, a provider whom you trust, may take days or weeks of engage in hands-on enrichment activities in reading, science, math, persistent phoning and visits. art, drama, and specific “safety” topics that include conflict As a parent, it is your responsibility to ensure that your child is resolution and drug abuse. Most programs offer homework safe and happy in a child care environment that is fun, educational, assistance and some offer tutoring. Most also provide supervised and nurturing. You will need to consider many questions. But you physical activity and healthy snacks, or even dinner. School age are not alone — an increasing number of parents rely on quality programs are often provided through local schools, child care child care so that they may work. About 70% of parents place their centers, churches, or youth-oriented community organizations. young children in some type of daily care. Knowing in advance that Quality features include opportunities for children to make individual this is not an overnight process makes it a bit less overwhelming. and group choices about activities, opportunity to improve academic skills, spaces for children to relax and rest, well Types of Child Care supervised spaces where they can be active, nutritious snacks, and You might like the home-like feel of a family child care home, or parental involvement. maybe you want your child to have opportunity to socialize with peers in a larger child care center. You might be looking for after Choosing Child Care school care for your child, a summer camp experience or a program In addition to the forms of child care, you want to take into that can accommodate his or her special needs. It will help you in account the following factors: your search to learn more about each type of child care setting. • Age and personality of your child. In Home • Child care needs of all the children in your family. Some parents may prefer the one-on-one contact an in-home • Location of your workplace, home and child care facility. care provider can offer, especially for an infant. The International • Hours you need child care. Nanny Association (INA) recommends that you interview any • What you can afford. prospective hire at least twice and that you conduct a criminal background check, which is usually done by most placement When you begin your search, start with the telephone. Plan to agencies. spend a few minutes with each call. Describe your needs and ask about the program, staff, location, other children in care, and what One key to good child care is whether the caregiver can adapt to is included in the cost. Make an appointment and visit the center, the needs of each child and family. Not all children of the same age school or home, and plan on spending at least an hour at each are at the same level of development; each child has unique place. Visit once to observe the children in care and at another time character traits. A good caregiver understands these personal and outside of regular structured hours to spend time with provider or developmental differences and creates a program to meet each director. child’s needs. In any group center, health, safety, and hygiene must be given Center-Based Care priority in all settings. All children and staff members should have The most popular type because there are so many options for current immunizations; staff should have clear criminal background children of all ages. You take your child to a place that is organized checks. The facility must be child-proof and all staff members and staffed specifically to care for a group or groups of children. should wear disposable gloves when changing diapers. Toys should Some types include day care centers, preschool programs, be disinfected on a regular basis and frequent hand washing should before/after school programs. be promoted among the staff and children to minimize the spread Day Care Center of infection. If you’re considering a day care center or another group setting, you should spend some time observing the center and talking to Preparing Your Child for Child Care parents with children in the center. You should also expect that your Most young infants, up to seven months, adapt to caring adults child will be assigned to the same caregiver to promote a sense of and seldom have problems adjusting to good child care. Older security and consistency. Inquire about the rate of staff resignations; infants may be upset when left with strangers. They may feel low staff turnover minimizes the need for young children to separation anxiety, which is a normal part of development for some repeatedly adjust to new caregivers. children. They will need extra time and your support to “get to Preschool Programs know” the caregiver. Some children show changes in behavior Preschool programs are offered through Head Start, child care when they start child care. Toddlers may cry, pout, refuse to go to centers or local public and private schools. They can be offered as or act angry in other ways. Preschoolers may regress and behave
continued on page 40
Cincinnati/Dayton Information Guide [ 39 SELECTING CHILD CARE like a younger child. They may be more wakeful at night. This child's feelings, you may want to arrange a meeting with the behavior usually goes away after a few days or weeks in high-quality caregiver or ask your pediatrician for advice. Parents need to help child care, just be sure to monitor. the caregivers and the child deal with any changes in the child's You may help your child adjust to a new child care arrangement. routine at home or child care. High-quality child care helps children Arrange a visit with in-home caregivers while you are at home or grow in every way and promotes their physical, social and mental when you need child care for a short time. Visit the center or family development. It offers support to working parents. Your pediatrician child care home that you have chosen with your child before wants your child to grow and develop with enjoyment in a setting beginning care. Show your child that you like and trust the caregiver. that supports you as a parent. Some children like to carry a reminder of home when they go to In the final analysis, locating a child care provider with whom you child care. A family photograph or small toy can be helpful. Talking are confident is well worth the searching. Why? Your child benefits to your child about child care and the caregiver is helpful. Being greatly from such an arrangement, meeting and interacting with prepared makes any new experience easier for children. There also other children and adults. The child learns and grows from are storybooks about child care that you and your child can read experience, often times a major step in establishing independence together. (Check with your local library, another great outing for a and becoming his or her “own person.” And you feel more at ease parent and child) leaving them. After a child has been in child care, a sudden change in For more information you may want to visit the following website: caregivers may be upsetting. This can happen even if the new American Academy of Pediatrics, www.aap.org caregiver is kind and competent. If you are concerned about your
HIGHER EDUCATION - WHERE TO GO?
A List to Consider When Making Decisions About College commitment required at the schools he likes and make sure he’s Admissions experts from Baruch College, a senior college in the prepared for it. It’s (Almost) All About the Money City University of New York, offer some tips to help parents cope 4. Factor college tuition into family budgeting. Try plugging the with the stress of guiding their child through that all-important estimated cost of attendance (tuition, room and board, books, question: Where should I go to college? transportation, student fees) for each school at which your child Academics is accepted into your family’s budget. This will provide you with a better long-term financial plan. And don’t forget about 1. Remember why your child is going to college in the first place. graduate school, if that is in your child’s plans; it’ll be upon you Now is the time for your child to reflect on what she truly wants. both before you know it. Compare her preferences and ambitions to the resources that each school offers. Consider each school’s academics, study 5. Explore all avenues of financing. Don’t count solely on the abroad programs, student life, extracurricular activities, career college’s financial aid award for help. Learn about scholarships services, internship programs, etc., and ask how it will further being offered by local businesses, community organizations, and your child’s educational and career goals. Reassure your child employers; your family could qualify for additional aid monies. that it’s okay to be uncertain about her career ambitions but, if 6. Get to know your school’s financial aid team. Most financial aid she is, a college with flexible academic programs and multiple departments offer free workshops on how to plan for the cost of options is probably a good bet. attending college. Take advantage of such sessions, and don’t 2. What happens to people who graduate from this school? Look be bashful; ask as many questions as occur to you. Now is the into what most of the graduates of the schools your child likes best time to consider all your options. wind up doing. If your child is interested in the fine arts, and the Campus and Residential Life majority of students at a particular school end up working in the 7. What’s new at school? It’s been several months since you and financial industry, it should give you both pause. your child did all that college research. Go back on the colleges’ 3. The downside of high school success. Sometimes, even a top- websites and see what’s up! Schools may be offering new performing high school student is surprised by the rigorous programs, hosting unique events on campus, renovating demands of college courses and professors. Even if your child facilities, or announcing new faculty appointments— any of was accepted at the school of his dreams, he needs to which could affect your child’s decision. understand that he’s starting all over once he gets to college; his 8. Finding the right fit. Every school has a personality; you don’t sterling SAT score won’t matter if he skips class or studying. want to spend thousands of dollars on one that clashes with Have an honest conversation with your child about the level of your child’s. Visit the campus again—or for the first time if you
40 ] Cincinnati/Dayton Information Guide HIGHER EDUCATION - WHERE TO GO?
haven’t been yet! Encourage your child to attend an accepted precautions exist in the residence halls? While you’re asking student reception; sit in on a class; go to a sporting event; and questions, explore the college’s mental health and counseling talk to current students—without you hovering in the services—college can be stressful for kids as well as parents. background! Students will speak candidly to each other about Coping real-life college issues like the social scene, academic 10. Breathe deeply and stay calm. Make clear to your child that you pressures, and drinking on campus— all things your child are available to talk things through, weigh the pros and cons, ask should be aware of in advance. questions, and visit campuses with her but that, ultimately, the 9. Safety first. Let’s face it: sending your child off to college is scary decision about where to go to college must be her’s. It’s hard to enough without worrying about crime. Take note of a school’s hand over the keys to her future, but when you watch her receive location and ask college officials about security: Is there a 24- her diploma, you’ll realize it was well worth it. hour security team? What kind of campus alert systems are in place? What are the crime statistics for the area? What security
TYPES OF HIGHER EDUCATION
Cincinnati/Dayton is the home of The Ohio State University, which Online Learning is one of the largest college campuses in the United States. Other Recent years have witnessed the rise of online degree programs, institutions located in Cincinnati/Dayton and its metro area; include to allow the busy professional a chance to work at their own pace Cincinnati/Dayton State Community College, Franklin University, from the comfort of their home on the path to getting a degree. The Ohio Dominican University and the Cincinnati/Dayton College of Art costs to students are typically the same as for traditional classes— and Design. and financial aid is equally available—while the cost to the institution Community Colleges can be much less. Community colleges exist for two major purposes. The first is to There are online universities ranging from legitimate distance serve as a bridge from high school to college by providing courses learning systems to fly-by-night degree-mills. It’s important to for transfer toward a bachelor’s degree. Four out of 10 college- research a particular institution before deciding to enroll in their bound high-school graduates start their college education this way. system. Generally, brick-and-mortar schools that also offer online classes are the safest, though there are plenty of fully accredited The second function of community colleges is to prepare online universities out there. students for the job market by offering entry-level career training as well as courses for adult students who want to upgrade their skills Nearly 3 million students are believed to be taking online classes for the workplace. They often offer programs that are not available at institutions of higher education in the United States this year. That at four-year schools, like fashion design. number has been growing about 25% a year recently. Now, virtually all public higher education institutions, as well as a vast majority of Cincinnati State Technical and Community College (513) 569-1500 3520 Central Parkway private, for-profit institutions, now offer online classes. By contrast, Cincinnati, OH 45223 only about half of private, nonprofit schools offer them. www.cinstate.cc.oh.us Online schools offer everything from Associate’s degrees to Sinclair Community College (937) 512-2500 Doctoral programs with available emphases in everything from 444 W 3rd St Business Administration to Criminal Justice to Nursing. Some Dayton, OH 45402 programs require students to attend some campus classes or sinclair.edu orientations, but many are delivered completely online. Liberal Arts Colleges Online courses generally require a computer with a broadband connection, but are now a serious option for the busy professional. Liberal arts colleges offer a broad base of courses in the humanities, social sciences, and sciences. Most are private and focus mainly on undergraduate students. Classes tend to be small and personal attention is available.
Cincinnati/Dayton Information Guide [ 41 TYPES OF HIGHER EDUCATION
Public vs. Private The Union Institute (513) 861-6400 440 E. McMillan St. Public colleges are usually less expensive, particularly for in-state Cincinnati, OH 45206 residents. They get most of their money from the state or local www.tui.edu government. Private colleges rely on tuition, fees, endowments, and University of Dayton (937) 229-1000 other private sources. Private colleges are usually smaller and can 300 College Park offer more personalized attention and often more prestige. Dayton, OH 45469 Capital University (937) 228-5006 www.udayton.edu 333 W 1st St # 130 Wright State University (937) 775-3333 Dayton, OH 45402 3640 Colonel Glenn Highway capital.edu Dayton, OH 45435 Hebrew Union College (513) 221-1875 ww.wright.edu 3101 Clifton Ave. Xavier University (513) 745-3000 Cincinnati, OH 3800 Victory Parkway huc.edu Cincinnati, OH 45207 Miami University (513) 529-2531 Universities Admissions Office Oxford, OH 45046 Generally, a university is bigger than a college and offers more www.muohio.edu majors and research facilities. Class size often reflects institutional Miami Jacobs College (937) 222-7337 size and some classes may taught by graduate students. 110 North Patterson The University of Cincinnati (513) 556-6000 Dayton, OH, 45402 2624 Clifton Ave. www.miamijacobs.edu Cincinnati, OH 45221 Southern Ohio College (513) 771-2424 www.uc.edu 1011 Glendale-Milford Road Cincinnati, OH 45215 Upper Division www. sbcaec.com Upper-division schools offer the last two years of undergraduate Southwestern College of Business (513) 421-3212 study, usually in specialized programs leading to a bachelor’s 632 Vine St. degree. Students then generally transfer to an upper-division Cincinnati, OH 45202 college after completing an associate degree or after finishing a www.home.fuse.net/scb second year of study at a four-year college.
DEGREES AND CERTIFICATES
Certificate or Diploma Combined Bachelor’s/Graduate Degree (or Joint Degree) These non-degree offerings generally lead to employment in an Complete a bachelor’s degree and a master’s or first-professional occupational field. For example, to enter fields such as computer degree in less than the usual amount of time. In most programs, science or teaching, you may first have to get a certificate or students apply to the graduate program during their first three years diploma. of undergraduate study, and begin the graduate program in their Associate Degree fourth year of college. Successful completion results in awarding of You receive an associate of arts (AA) or associate of science (AS) both bachelor’s and graduate degrees. These are sometimes degree after completing two years of study similar to the first two referred to as “4 +1” programs. years of a four-year college. After earning an AA or an AS, you may Masters Degree transfer to a four-year college to complete the requirements for a These signify more specialized training in a particular field. They bachelor’s degree. The associate of applied science (AAS) degree is are competed after the bachelor’s degree, usually over the course awarded on completion of technological or vocation programs of of 2 years for the full time student. study. Doctorates Bachelor’s or Baccalaureate Degree These generally signify some significant research in the field, and Complete a four- or five-year, full-time program of study (or its are an upper level degree. part-time equivalent) at a college. The Bachelor of Arts (B.A.) and Bachelor of Science (B.S.) are the most common.
42 ] Cincinnati/Dayton Information Guide PAYING FOR SCHOOL
FAFSA www.fafsa.gov Types of Financial Aid FAFSA, the Free Application for Federal Student Aid, is a form Financial aid may be classified into two types based on the that must be filled out annually by university to determine their criteria through which the financial aid is awarded: merit-based or eligibility for federal financial aid (including grants, loans, and work- need-based. study programs). In addition, most states and schools use Merit-Based information from the FAFSA to award non-federal aid. Merit-scholarships are typically awarded for outstanding The FAFSA consists of numerous questions regarding the academic achievements, although some merit scholarships can student’s finances, as well as those of his or her family; these are also be awarded for special talents, leadership potential and other entered into a formula that determines the Expected Family personal characteristics. Merit scholarships are sometimes Contribution. The amount of the EFC can vary widely, depending on awarded without regard for the financial need of the applicant. a number of factors; for example, one such factor is whether a Athletic scholarships are a form of merit aid that takes athletic talent student has siblings in college at the time. into account. The best place to look for help before you start filling out your Need-Based FAFSA is at your school’s financial aid office. Need-based financial aid is awarded on the basis of the financial Other Sources need of the student. The amount of need based aid is generally FAFSA only scratches the surface of the money available to based off the criteria on the FAFSA. students for school. There are many state and private scholarships Loans out there. The easiest way to find listings of what scholarships that While included in the term “financial aid” Higher Education Loans you may qualify for is by going to a scholarship database online and differ from scholarships and grants in that they must be paid back. doing a search. Some handy sites for this are: They come in several varieties in the United States Lunch-money.com • Federal Student Loans made to students directly: No payments Finaid.org until after graduation, but amounts are quite limited Fastweb.com • Federal Student Loans made to parents: Much higher limit, but Collegeboard.com payments start immediately It’s not recommended that you participate in any website that • Private Student Loans made to students or parents: Higher limits asks you to pay a fee to search for a scholarship; there are many and no payments until after graduation. wonderful free sites available. Getting Your MBA Part-time Getting your MBA may be imperative to you and your career. More than 40% of all graduate students are working adults, so it is possible to balance the rest of your life with your desire to continue your education. You’ll generally spend three to four hours a week with the instructor in a 3-credit class. It’s generally recommended that you spend about 8 additional hours a week studying and preparing for the next classroom session, so 12-15 hrs a week total. So where are you going to find an extra 15 hrs a week? It helps to journal how you do spend your time during the week, and then list priorities. Lower priority items, like watching TV, may take up more time than you realize, and can be shelved so you can continue your education. Re-prioritizing your time is the most crucial step in ensuring you’ll have success on your path to your degree. Make sure you discuss your goals with your boss, friends, and family, so they know what to expect as you add this major commitment to your life.
Cincinnati/Dayton Information Guide [ 43 FITNESS AND HEALTH
IN THE KITCHEN
n 1912, Nabisco had an idea for a cookie - two chocolate disks with a creme filling in between. Yes, they’ve been around for a long time. However, Nabisco did not have the Who Doesn’t Love Ioriginal “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 Nabisco Oreo Cookies? obtained the idea from Sunshine. Here's some more trivia for you. In 1898, several baking companies merged to form the National Biscuit Company (NaBisCo). The first Oreo cookie looked very similar to the Oreo cookie of today, with only a slight difference in the design on the chocolate disks. While I’m on a roll here with your history lesson let me add: The cookie was registered in 1913 as Oreo Biscuit, in 1921 as Oreo Sandwich, and in 1948 as Oreo Creme Sandwich. I know you’re now wondering about the name. How did Oreo get its name? The people at Nabisco aren’t quite sure; seems odd to me! Some believe that the cookie’s name was taken 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.” I personally am going with that version. I’m from Ohio; you know the state with two eyes and says hi. d receive $10 and automatic entry into our $2500 semi-annual best recipe contest. Ok, enough. Here are two of my family’s favorite recipes using Oreos. Kids love the cake and the Oreo Balls are great for tail-gating parties. ® Oreo Cookie Cake Oreo Balls got milk 1 stick of butter Ingredients 28 crushed cookies 8 ounces softened cream cheese or whipped cream cheese Mix together and put in a 9x13 pan 18 ounces package of Oreo cookies, crushed (crush the entire cookie-don't remove the filling!) 1 8 oz cream cheese 2 cups semi-sweet or milk chocolate chips 1 c confectioner’s sugar 1 tablespoon shortening 1/2 8 oz container cool whip Instructions Blend together and put on Mix cream cheese with electric mixer until fluffy. Add top of cookie layer. the crushed Oreos and beat on high until well mixed. 1 small instant chocolate Chill for at least 2 hours in the freezer. Then roll Oreo pudding cookie mix into one inch Oreo Balls. 1 small instant vanilla pudding Melt the chocolate chips and shortening with a double boiler or in the microwave. 3 cups milk Dip the Oreo balls completely into the melted Mix together. Beat until thick chocolate using tongs or a toothpick. and pour on top of cream Put on wax paper. After the Oreo balls harden, keep cheese mixture. Top with them in the refrigerator. remaining cool whip. Makes about 3 or 4 dozen Oreo Balls, depending on Keep cold. the size.remaining cool whip. Keep cold. Please visit our website, www.NewMarketServices for more recipes. Be one of the first 25 people to enter a recipe this month an for more recipes. www.NewMarketServices Please visit our website,
44 ] Cincinnati/Dayton Information Guide PHYSICAL AND MENTAL WELL BEING
Choosing a Health Club • Does the club offer instruction in a sport or activity that you might Your move is filled with many new challenges. If your life style want to learn (tennis, squash, swimming, etc.)? includes working out a priority will be to find a club that meets your • Does the club offer a variety of leagues? If you want to compete needs. Or a new move may bring the perfect time to implement - is the club affiliated to the right leagues, and does it have teams those healthy lifestyle changes that were on your New Year’s of the right standard for your competencies? Resolution list for the past several years. • Does the club offer a variety of high-quality weight equipment? It Begin your search before you move. Ask your current club for should include free weights, such as barbells and dumbbells, and recommendations or perhaps they even have reciprocity with a club machine weights, you really need both to get a proper workout. in your new location. If you belong to a national chain, chances are • Does the club offer a sufficient number and variety of programs good that you will be able to transfer your membership. for you to achieve other goals (stress management, weight However if you do find yourself looking for a new club, use this management, smoking cessation, social activities, etc.)? check list to help you find the place that will work best for you. • Are there long lines at the equipment, or crowded aerobics When visiting a club use your own observations and question the classes, at the time that you would be using the club? staff and current members. Be sure your new club will be able to • What are the real costs? Make sure you understand all rates, meet your fitness, social, and safety needs. charges and fees because these can vary widely, and many clubs • Is the club clean and well maintained, especially the locker rooms require contracts ranging from a few weeks to a year or more. Be and the shower areas? sure you’re entitled to use all facilities, such as pools and spas at • Are staff members friendly and helpful? Make sure there is always no extra charge. someone available to answer your questions, to show you a new • Is child care available if you need it? exercise, or how to use a piece of equipment. • Is there adequate parking available if you need it? • Does the location for work for you? It’s best to select a club that’s One way to find out whether a club is right for you is to try it out near where you live or work. for a few days. Some clubs offer a special guest pass for • Do fitness staff members have appropriate educational prospective members. But even if you have to pay for a week to try backgrounds and/or certification from nationally recognized it out, it’s better to spend the money than to make a long-term certifying agencies? commitment to a club that doesn’t work out. Try the club during the • Are new members provided with a club orientation and hours you will normally be using it. It will give you a realistic idea of instruction on how to use equipment? what the club environment while you are there. • What age group do you see while visiting? If you are in your 50’s, It’s important to read health club contracts carefully. Don’t do you really want to work out with a group in their 20’s (and vice assume the club offers classes such as aerobics as part of the versa)? Be sure to visit club at the time you will be normally using membership. While some do, others charge extra. If the health club the facilities. requires a long-term commitment, find out whether you’ll be able to • Does the club have the cardiovascular resistance equipment you get a refund if you need to cancel your membership due to a job want and need to achieve your fitness goals? transfer, an injury or if you simply find that the club isn’t working for • Does the club offer sufficient number and variety of programs for you. you to achieve your fitness goals (aerobic, racquet sports, It’s a fact that of every three people who join a health club, only basketball, etc.)? If classes or group activities help to motivate one will work out there 100 days a year. Find a club that you are you and the health club doesn’t offer the classes you need, comfortable with and you will greatly increase your chances of sticking with your exercise program won’t be realistic. being the one of three people that are there more than 100 days a year. NewMarket Services wishes you good health.
Cincinnati/Dayton Information Guide [ 45 PHYSICAL AND MENTAL WELL BEING
Coping With Change a new community requires finding new sources for familiar services. Did you know that your body and mind sense change as stress? Finding a new hairdresser, barber, drugstore, food market, doctor, Whether you change the place you live or where you work, it all lawyer, cleaner and shoemaker are all necessary. You not only have adds up to stress. The more changes that come at one time, the to locate these services, but you need to determine if you are more stress you experience. satisfied with the quality of the services provided. Forming a Self-Image comfortable working relationship with the service provider adds Your attitudes towards change often depend on your self image more stress to the change itself. and expectations of how difficult it may be. Your self image is the Perhaps your whole lifestyle changes if you are moving from a inner vision of who you are. It is the basis of your every thought, smaller or larger community. With long-distance moves, you will word and action. Moving, with the many changes it entails, offers an have to make new friends and develop a different emotional support excellent opportunity to modify and/or improve your self image system. When these changes are not made through your own through the risks of taking positive action. choices, but are the decisions of a boss or someone in your family, then the stress is even greater. Children have to make changes because of their parents. They need special help and understanding getting settled in school and making new friends. Often, they will have difficulties as they adjust to the new surroundings. Changes produce stress not only within yourself, but also with the people with whom you are close. It may cause you to react differently from your usual behavior. If you are in a relationship or marriage, you may find more tension developing, with less patience or tolerance of the other person. If you live alone, not knowing where to go to make new friends can bring feelings of isolation and loneliness. Creatures of Habit Psychologically, most of us are creatures of habit and quickly develop repetitive patterns that make us feel comfortable and secure. Ever notice that most people find the same seat or section of the commuter train or bus? Drivers usually take the same route every day. We do this in order to reduce stress. The sameness of established behavior develops a sense of control over ourselves and surroundings. By seeking repetitive habits, we save our energy for new events that are either unpredictable or uncontrollable. When change removes the sameness from our lives, we attempt to relieve the tension Some people welcome change as a challenge or an exciting new produced by uncertainty and newness. We look for ways to develop experience. Others may resent the inconvenience and extra effort other familiar patterns. they need to make to re-establish a comfortable routine. Still others Management of Change feel overwhelmed by the unknown and are not sure where to go or To manage change effectively, several simple steps will help you to whom to turn. adjust to the newness and extra effort needed to establish different Often, stress causes old issues, defeats or concerns to patterns in your life. resurface. Perhaps new worries and fears form unexpectedly, or • Organize your time so you can finish the tasks you have planned. you feel tired and fatigued most of the time. Decision making abilities are affected, and you seem to be having less fun and • Have realistic expectations. Do not plan to complete everything enjoyment. These are all telltale signs of stress brought on by within the first few weeks. change. • List your priorities and finish each one before you go on to the When signs of stress affect you, it may be a time of emotional next. transition, indicating old behavior patterns are not as effective as • Provide your body with recreational time and time to relax. they once were. This is often a good time for self-reflection-to look • Trust your first impressions; they are most often right. at what you like in yourself and what you do not like. Periods of change can offer you an opportunity for growth within Stress yourself. Professional consultation may be useful during this period. When you relocate to a new city, all categories of your life are changed. Along with the obvious changes listed above, moving to
46 ] Cincinnati/Dayton Information Guide VOLUNTEERING IN YOUR COMMUNITY
One of the best ways to become involved in your new community Many people are reminded of their wish to volunteer during is through volunteering. The benefits of volunteering are many, for holiday seasons, but this is when organizations might have an everyone involved. Ask your employer for advice. Many companies excess of help. If you want to volunteer during the holiday, give employees paid time off to volunteer and will often publicize remember to contact the organization in advance. Otherwise, time their employees’ community service. According to the research your work for the lean season. group Independent Sector, the U.S. volunteer sector is equivalent to Volunteering is fun, leads to learning new skills, meeting 9 million full-time workers. Whether you have an hour or a weekend, interesting people, making new friends, sharing your talents, and if you want to help kids or the environment, there are great keeping in touch with the community in which you live. Whether it is organizations that will excite your particular interest, broaden your important to you to solve a community problem, advance a worthy horizons and fit into your time schedule. cause or to develop as a person, volunteering offers many benefits Don’t forget to include your family. If your children are school age in appreciation for the gift of your time and expertise. chances are there are many opportunities to volunteer at their Once you have chosen an area of interest, how should you go school, or even in their classroom. That is a great way to meet other about involving yourself? See what the Web can do for you. 1-(800) parents with children the same age. Clean up a neighborhood park Volunteer.org, a service of the Points of Light Foundation & with your children. Spend a morning at a homeless shelter with your Volunteer Center National Network provides listings of local and children. You’ll find that volunteering is not only a fun family-bonding virtual volunteering as well as contact information for Volunteer experience but a great way to teach children the importance of Centers across the nation. Open the classified section of your local giving back to the community. paper. Check out the bulletin boards in your office. Or just start How you get involved with your community depends on your calling the local agencies you’re interested in. interests, skills and time. Choose something that fits well in to your One of the best ways to make these contacts is to walk right into schedule and makes you excited about working together to help the organization—a library, a shelter, training facility, or a political make a difference. Every person has that capability. Each of us can office—and find out who organizes volunteers. You can tell a lot by right a wrong, fill a plate, visit a shut-in or clean up a park, and that meeting the volunteer coordinator and any volunteers who happen does make the world a better place. to be on duty. While you won’t earn a paycheck for volunteering, There are several things to consider when choosing in what to you will earn valuable experience, a sense of accomplishment, and involve yourself. First of all be selective, think about what matters to the satisfaction that only comes from personally making the world a you, and where you wish to spend your time. If you have certain better place to live. social issues that you feel passionate about, it’s a great place to put your energy. You may have particular skills that will steer you toward a certain organization. Are you willing to explore new opportunities? Volunteering can teach you valuable new skills that you may use in other parts of your life. "You make a living by what you get, but you make a life by what you give." - Winston Churchill
Cincinnati/Dayton Information Guide [ 47 48 ] Cincinnati/Dayton Information Guide HOUSING
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 your new 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 remodeling to bring it to your standards? What about the difference in the cost of operation and maintenance 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 to rent for a while to become familiar with neighborhoods in your new city? What about capital gains tax if you don’t close in time? We suggest you seek the advice of a certified financial planner and a realtor to thoroughly clarify 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 advantages you are afforded by choosing apartment living. Mobility: You enjoy the freedom to move, to accept that better job, to take the vacation you’ve dreamed of. No maintenance: Just relax and delight in the grounds and facilities maintenance technicians keeps attractive for you. Flexibility: You have the ability to increase or decrease your living space without the burden of sales pitches, closing costs, interest rates or the high cost of maintaining a home and property. 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 maintain them, which is no small task for the homeowner. No waiting: If you’re like most apartment residents, moving into your apartment was easy and fast. You settled into your new home without lengthy paperwork, a loan approval period or 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 want to ask advice from a real estate agent.
continued on page 50
Cincinnati/Dayton Information Guide [ 49 MAKING THE RIGHT CHOICE
Market Inspect kitchen appliances. Check the stove to see if all burners Is it a seller’s market? Signs include low interest rates and work. Does the range have a hood with a fan? Is the oven self- shortage of homes for sale. How long have similar homes been on cleaning? Is the stove gas or electric? If it is gas, you may have an the market and how long are you willing to let your home be on the extra monthly charge for cooking gas. This would also be true if you market? Or is it a good rental market and do rental units have tenant had a gas clothes dryer in your unit. Check out the waiting lists? Is your property in a trendy area? Desirable areas refrigerator/freezer for storage space. Is there enough counter and typically garner higher rents and seldom have vacancies. cabinet space? Don’t forget to keep an eye out for bugs, especially Financial in a high-rise building. Is this property good for rental income? Can you charge more for Inspect the central air conditioning and heating systems. Ask rent than you pay for mortgage, taxes and upkeep? How will selling other tenants if there is enough heat in the winter. It can be costly if affect your federal and state tax situation? Furthermore, if your you have to buy or rent window air conditioning units. property does not sell quickly, can you afford to keep the home Is there enough storage space? Do you have enough closets for vacant while it’s on the market? If not, do you feel you will be able clothes, linens and general items. Are there built-in shelves and to find a renter on a short-term basis? Are you likely to want to move bookcases for books and DVDs? Do you also get a storage space back into the home some day? that is not adjacent to the unit? Rental Tips Does the building have special amenities such as a swimming Apartment experts say that some detective work is needed to pool, game room, barbecue area, and exercise room or tennis conduct a search that finds the most livable rental residence for the courts? Keep in mind that recreational amenities generally will money. After you have weeded out a good apartment complex from increase your rent. You should consider what features you will really many rent signs and/or listings, scanned the neighborhood you like use. for the best rental possibilities, you will be ready to scrutinize each How is the noise level in the complex? Have neighbors been property and landlord for shortcomings. It is easy for a prospective playing music louder than you prefer? Are you located by a major tenant to gather quick clues about the general care, maintenance of airport, freeway or train tracks? the building, and cleanliness of the area overall. Try to talk to the Do you need an apartment that takes pets? If not, do you want tenant who is vacating the apartment you are planning to rent. He to live in an area that does? Do tenants appear to be cleaning up or she can tell you a great deal about the pluses and minuses of after their pets? What is the management policy for pet size and living there. Here are some tips for inspecting the inside of the maintenance? apartment: Rental experts suggest that tenants should tour several Is it clean? Carpet should be cleaned and walls/ceilings should apartment complexes before placing a deposit on a unit. The be freshly painted. Does the apartment have a bad odor? It could minimum deposit to hold a unit is usually $100. Prospective renters be a tip that the prior tenant had a pet or cooked spicy foods. still need to fill out an application and pay an application fee. This Check room sizes with a floor plan. Make sure the furniture that will hold your unit while your employment, credit and rental histories you will be moving will fit. Is the bedroom near the bathroom? Does are being checked out. This process usually takes 7 to 10 days to the dining room adjoin the kitchen? complete.
50 ] Cincinnati/Dayton Information Guide CHOOSING THE RIGHT HOME
Making a final decision and determining which house to make an Property Taxes offer on shouldn’t be taken lightly. The decision should be made Property taxes may vary from one neighborhood to another. This rationally and not guided by emotion. You most likely won’t have the can sometimes affect whether you view a community as a desirable luxury of taking your time on deciding which house you’d like to place to live. Higher property taxes often mean newer and more pursue. However, since it is such a major decision you would like to modern schools, well-maintained roads, and bountiful community base it on factual information. Some broad categories to consider services. are: Schools Appreciation If you have school-aged children and plan to send them to public Ask your real estate agent to retrieve sales of homes in the school, you definitely want to consider the reputation of the neighborhood over the past few years. If one neighborhood shows neighborhood school. If you plan on sending your child to a private an annual average 8 percent increase and another is skyrocketing school, how long is the commute? You will likely spend a lot of time at 15 percent, you may have your decision made. driving your child not only during the school day but for extra- Crime curricular events outside the daily school schedule. Which ever Go to the local police or sheriff department and ask about crime school you decide, you can usually find general district information in your specific neighborhood. You might find theft or vandalism to and state standardized test results online. Always plan a visit to the be more prevalent in one area than another. Also please the school and receive the information first-hand from school website, www.familywatchdog.us. When you visit this site you can administrators. You should also talk to teachers and parents. enter your address and a map will pop up with your house as the Sellers’ Situations small icon of a house and red, blue, green, dots surrounding your If you don’t know already, ask your real estate agent how long the entire neighborhood. When you click on these dots a picture of a house has been on the market. Usually the longer a house has been person will appear with an address and the description of the crime listed, the better chance the seller will accept an offer lower than he or she had committed. asking price. Conversely, if the house has been on the market for Drawbacks just a couple days, the sellers will probably wait for a better offer if Rarely will you be lucky enough to find a perfect place. Think you offer less than the listed price. Your real estate agent might also about the cons associated with each house and determine to be able to dig up additional information about the sellers, like why correct them or how much of a negative impact each will have. they’re selling. If it’s a job-related move or a divorce, the sellers likely Neighborhoods want to move as quickly as possible, meaning you have a better If you have kids or pets and being close to a park is important, shot at them accepting a lower price. you’ll want to consider that. How close are shopping, restaurants, Style and Substance churches, and other services? Are the streets maintained? How do The SUBSTANCE are things that cannot be changed such as the your prospective neighbors keep up their property? How long will location, view, size of lot, noise in the area, school district, and floor your commute to work be? plan. The STYLE represents easily changed surface finishes like The House carpet, wallpaper, color, and window coverings. Buy the house with Make a list of the amenities and attributes you want your house good SUBSTANCE, because the STYLE can always be changed to to have. Be specific. Prioritize that list. Then, rate how each house match your tastes. measures up to each need on your list.
Cincinnati/Dayton Information Guide [ 51 HOME INSPECTION CHECKLIST
Finding faults in a home doesn’t necessarily mean you shouldn’t Interior buy it. But it will help you to know the type of repair costs that The kitchen and baths are the most expensive rooms to should be anticipated, and sellers often will make adjustments in renovate, so check their condition carefully. A newly-painted interior their asking price on the basis of problems discovered in an may look nice, but it could be hiding something. inspection. Plumbing Inspectors look for the following: Turn on the bathroom sink faucet and shower and then flush the Brick and Concrete toilet. When the toilet starts to refill, does the water pressure Check pavement, driveways and horizontal brick surfaces for diminish? Fill sinks and tub with three inches of water. Do they drain cracks. Is there damage from freezing? What is the condition of the properly? Do faucets leak? Lift up the carpeting. Are there any signs mortar between the bricks? Is any pavement buckling from of flooding or decay? spreading underground tree roots? Roof Electrical Are shingles curling and lifting? Find out how old the roof is, and Open the door on the fuse box or circuit-breaker panel. Is the you will have a pretty good idea of when you will have to replace it. electrical service adequate? The average house should have 100- Termites and Carpenter Ants amp service. Is it wired for 220 volts, which is necessary for electric Look for evidence of termites and carpenter ants on basement dryers and ranges? wood framing. Is there saw dust like wood or paper debris? Can Exterior you find evidence of termite tubes or tunnels? Termites live in earth, Is the house well maintained? Does the roof sag? Are the exterior so make sure that there are no places where earth is closer than six walls out of line? What is the condition of the paint, especially on the inches to wood. Like termites, carpenter ants like wood and wood south and west sides, where sun exposure is greatest? Is there products. adequate drainage away from the house? Water Damage Heating & Cooling Look in the basement for signs of leakage. This could be a result How old is the heating/cooling system? Has it been maintained? of poor drainage around the house. Water damage also is caused Ask to see the owner’s cooling bills for the previous year. This will by seepage through porous basement walls and condensation, give you an idea of its energy efficiency. which frequently is caused by inadequate ventilation. Basement Insulation walls painted a dark color may be an effort to disguise a past Check the attic and crawl space. Is the insulation adequate and problem. Beware of chalky white water stains on foundation walls complete? Has it been properly installed? Does the insulation or partitions; stains on wood and drywall; delamination of paneling obstruct the air vents, preventing the house from “breathing” and and lifting or buckling floor tiles; or a damp, mildew odor. possibly causing wood rot? Does the home have storm windows? Windows and Doors Has the glazing putty dried and shrunk, allowing water and air seepage? Is the wood decayed? Are the window and door frames caulked and weather-stripped?
52 ] Cincinnati/Dayton Information Guide HOME CARE BASICS FOR NEW HOMEOWNERS
You’ve finally done it—you’ve just moved into your brand new Here are some additional tips for properly maintaining specific home. The smell of fresh paint still permeates the air. You’re likely systems in your new home. consumed with unpacking, setting up furnishings, rearranging, Appliances decorating—energized by the blank pallet you have to work with. Remember to read the instruction manual for every appliance in But once you’ve signed the thick pile of closing documents, the your new home. The manuals provide recommended cleaning and moving trucks have left and everything is neatly in its place, what do maintenance schedules and sometimes your warranty will become you do next? It’s time to get a handle on the routine maintenance void if you don’t follow these recommendations. you’ll need to perform in order to ensure that you and your family Driveways live comfortably in your new home for years to come. Here’s some If you have an asphalt driveway, remove oil, gasoline and similar advice to get you started and help save money while you’re at it: substances immediately with soapy water. Maintaining a clean home ensures it will last longer and works To avoid holes in your asphalt driveway, refrain from resting patio better. Dust and dirt, if allowed to accumulate, can harm the finishes furniture or bicycle stands on it. on blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls, Do not burn anything on your driveway. tiles and other items. If dirt does accumulate, make sure to clean it When winter weather produces ice and snow, remove it promptly with a substance that does not scratch or damage the finishes. and avoid gouging your pavement while chipping away at ice. On the outside of your home, make sure that gutters and Use kitty litter or sand for traction on tough patches of ice. downspouts do not get clogged with leaves or other objects. The Thawing and freezing agents using salt and chemicals can damage exterior of your house is built to withstand exposure to the concrete, brick, mortar and asphalt. Salt will kill grass, shrubs and elements, but a periodic cleaning will improve the appearance and, trees as well—and wreaks havoc on leather—soled shoes. in many instances, prolong the life of siding and other exterior Gutters and Downspouts products. Clear away leaves, tree limbs and other debris from gutters and When you bought your home, you probably received a warranty downspouts. from the builder on workmanship and materials. This warranty Downspouts should be turned away from your home’s applies to problems related to the construction of the home, but it foundation. does not apply to problems that arise because of failure to perform routine maintenance. For example, if your roof begins to leak after Every four to six years, paint gutters that not are made of six months because of faulty workmanship, your warranty would aluminum or vinyl to help prevent rust. cover that. If you develop a problem because water backed up in Heating and Cooling Systems clogged gutters that you should have cleaned, the builder is not Late summer or early fall are the ideal time to do an annual responsible for repairs. Also, some items, such as appliances, may inspection and cleaning of these systems. be covered by manufacturers’ warranties and are not the Make sure you change the filters every three months. responsibility of the builder. Keeping your pilot light burning during the summer will help keep You should fully familiarize yourself with the terms of your the furnace dry and prevent corrosion. warranty soon after you move into your home. With all the Registers help regulate the flow of air and maintain the desired excitement surrounding a move into a new home, most people have temperature in your home. Keeping registers closed in rooms you little desire to curl up in front of the fireplace and read a legal don’t use will save on cooling/heating costs. document. Nonetheless, you should not wait to read your warranty Using heat generating appliances in the evening and reducing the until a problem arises. Set aside an hour to learn what your rights number of lights on will help keep the temperature down and save and responsibilities are from the outset. on costs during the summer. Plumbing Every 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 a plumber’s snake to unclog the drain. If you need to, use boiling water to help unclog a partially opened drain. Call a plumber if these techniques don’t work. A worn washer, a loose part in a faucet or steam in a hot water pipe generally causes a noisy pipe. Do not hesitate to repair the noise because vibrations can follow the noise and lead to leaks.
Cincinnati/Dayton Information Guide [ 53 SECURITY
Each year more than six million residential burglaries occur Computer Security throughout the United States. That’s one every ten seconds! In Computer security is the process of preventing unauthorized use addition to the worry of home burglaries, we now also need to of your computer. concern ourselves with computer hackers and personal identity • Use of anti-virus software on all Internet-connected computers. theft . Listed below are some things that you can do to reduce your Be sure to keep your anti-virus software up-to-date. chances of becoming a victim. • Use of some type of firewall product, such as a network Home Security Checklist appliance or a personal firewall software package. • Have home security system professionally installed that offers a • Turn off your computer or disconnect its Ethernet interface when 24 hour monitoring system. Make sure to post the home system you are not using it. An intruder cannot attack your computer if it stickers and window decals: this should alert and deter would be is powered off or otherwise completely disconnected from the intruders. network. • Never stop mail or newspaper deliveries, it signals that you are • Use software backup tools if available, and store the backup away. Have a neighbor pick up all deliveries if possible. disks somewhere away from the computer. • When recording your answering machine message, do not state Identity Theft that you are not home or out of town. Identity theft occurs when someone uses your personal • When leaving for an extended period, put lights and stereo information without your permission to commit fraud or other /television on a timer to give the appearance that someone is crimes. While you can’t entirely control whether you will become a home. victim, there are steps you can take to minimize your risk. Exterior/Interior Security • Shred financial documents and paperwork with personal • Replace all locks immediately upon moving into your new home information before you discard them. and install deadbolts on all outside doors. • Protect your Social Security number. Don’t carry your Social • Secure your sliding glass doors with pins to prevent all horizontal Security card in your wallet or write your Social Security number and vertical movement. Also install security film over the glass on a check. Give it out only if absolutely necessary or ask to use panes for additional protection. another identifier. • Remember to lock all doors and windows. • Don’t give out personal information on the phone, through the • Provide remote panic buttons for children and/or elderly mail, or over the Internet unless you know who you are dealing residents. with. • Never keep garage door openers in cars that are parked outside • Never click on links sent in unsolicited emails; instead, type in a of your home. web address you know. Keep Your Valuables Safe • Don’t use an obvious password like your birth date, your • Keep your important papers, heirloom jewelry and large amounts mother’s maiden name, or the last four digits of your Social of cash in a safe deposit box. Security number. • Engrave your valuables with your social security number or drivers 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 cartons before discarding them. This way you avoid advertising your new purchase to the entire neighborhood and drive-by observers.
54 ] Cincinnati/Dayton Information Guide TAKE CONTROL OF YOUR ENERGY COSTS
The cost of cooling your house continues to rise . There are a • Close doors to rooms that are not being used. number of ways you can save a significant amount of money on • Run full loads in your washer and dryer, and use “solar drying” your energy bills. In fact, it’s possible to save up to 25 percent on (clotheslines). your power bill by using the following tips. While your results might • Use energy saver option on your dishwasher, allowing dishes to vary, you’re guaranteed to find at least a few ways to save money. air dry. The idea behind all our advice, and in fact our entire conservation • If you A/C unit is on the ground, keep the area around it clean and effort, is to give you the information you need to make the right free of obstructions to maintain air flow. decisions. • Unplug your televisions/VCR when you’re on vacation. Most new These simple steps don’t cost a thing, but can potentially save sets draw power even when they’re turned off. you 10-25% on your monthly energy bill. • Keep lights and lighting fixtures clean, especially if you’re • Turn off lights and appliances when not in use. Don’t forget your reducing the number of lights you use. Dirt absorbs light. Let computer - it can use as much energy as a refrigerator. Most new lights cool before cleaning them and never touch halogen bulbs computers have “sleep” settings. with your bare hands. The oil from your skin can greatly damage • In the cold months, set the thermostat to 68 degrees when the bulbs. Use a small piece of paper to hold the bulb. home, and then back to 58 degrees when sleeping or when you • If your dishwasher has a filter clean it. are not home more than four hours. • Clean the reflectors underneath the burners on stovetops. • In warm months, set the thermostat to 78-80 degrees when home and 5 to 10 degrees warmer at night or when you’re not There are plenty of low cost, easy to do projects or steps you can home. do to save another 10-25% on your energy bill. • Do not turn your air conditioning off in the hot months when • Use compact fluorescent bulbs instead of incandescent ones. you’re not home. Your house will store up the heat and you’re This will typically save $1 per bulb changed out (for bulbs running likely to make the air conditioning run for hours to feel 4-6 hours per day) and reduce heat in your home. Regular bulbs comfortable. use most of the electricity to generate heat so use care when • In the winter, open window coverings on the sunny side of your changing bulbs. home to take advantage of “free heat from the sun” Close the • Caulk windows and caulk and weather-strip doors. Keep the coverings on cloudy days or right after the sun sets. outside air out and the inside air in. • In the cooling season, close blinds and drapes during the day to • Install a hot water heater blanket but be careful not to cover vents keep heat out. or temperature settings. • Also, use your dishwasher, clothes washer and dryer, and cook • Install hot water pipe insulation. Do keep the insulation at least six as late in the evening as possible. inches away from the flue (exhaust pipe) of gas water heaters. • Barbecue outside if practical, keeping in mind the heat and effect • Plant trees and shrubs on the south and west side of your of sun on your body. By reducing the heat coming into your home residence. The vegetation acts as insulation and provides from any source, will reduce the load on your air conditioning. shading, reducing thermal gain in a building. • Use pool trippers to reduce the time your swimming pool pump • Fix leaky faucets Install low flow showerheads. runs on—eight to twelve hours a day is plenty in the summer • Use room fans to keep the air moving and reduce the feeling of months, less in the winter months. heat in your home. • Set your water heater to 120 degrees. • Replace furnace and air conditioner filters. Spray the filters with a • Vacuum your refrigerator coils (underneath and in the back) and light coating of lemon furniture polish or vegetable oil cooking don’t obstruct the coils. They need air space to work. spray to help trap dirt in the filter. • Keep the seals (gaskets) on refrigerators and freezers clean. • Check the seals on your refrigerator and freezer. • Keep your freezer as full as possible. You can place containers or • Replace normal thermostats with programmable thermostats. plastic bottles filled with water in the empty spaces. • Make sure food is cool and covered before it goes into the refrigerator.
Cincinnati/Dayton Information Guide [ 55 HOMEBUYER’S GLOSSARY
As you start shopping for a new home, you may encounter some Contingency Condition that must be met before a contract is unfamiliar words and terms. The following glossary will help get you binding. through the maze of buying a home. Convertibility Ability to change a loan from an adjustable rate Adjustable-Rate Mortgage (ARM) Loan with an interest rate schedule to a fixed-rate schedule. adjusted according to movements in the financial market. Many Covenant Agreement between seller and buyer on a piece of offer lower-than-market initial interest rates that rise only gradually property, restricting the use of that property. (Also called deed for the first few years. restriction.) Annual Percentage Rate (APR) Annual cost of credit over the life of Deed Legal document representing property ownership. a loan including interest, service charges, points, loan fees, Default When a borrower fails to make the required payments of mortgage insurance and other items. a mortgage contract. Appraisal Unbiased, professional opinion of a property’s value Density The number of homes built on a particular acre of land. based on its style and appearance, construction quality, usefulness Allowable densities are determined by local jurisdictions. and the value of comparable properties. Debt-To-Income Ratio Long-Term debt expenses as a percentage Assessment Tax levied on a property or a value placed on the of monthly income; used by lenders to qualify borrowers for worth of a property by a taxing authority. mortgage loans. Assumption Transaction allowing a buyer to assume responsibility Due-on-Sale Clause in a mortgage contract requiring the borrower for an existing loan instead of getting a new loan. to pay the entire outstanding balance upon sale or transfer of the Broker (Real Estate) Person who receives a commission or fee for property. bringing buyer and seller together and assisting in the negotiation of Earnest Money Sum paid to the seller to show that a potential contracts between them. A license is required in most states. purchaser is serious about buying. Building Code Local regulations controlling design, construction Easement Right-of-Way granted to a person or company and materials used in construction. Building Codes are based on authorizing access to the owner’s land. For example, a utility safety and health standards. company may be granted easement to install pipes or wires. An Buydown Subsidy, usually paid by a builder or developer, to reduce owner may voluntarily grant an easement or can be ordered to grant the monthly payments on a mortgage loan. one by a local jurisdiction. Buyer’s Agent A real estate agent who represents only the buyer Equity Difference between the value of a home and what is owed in a real estate transaction. on it. Callback Request by a homeowner for a builder to handle a service Escrow Handling of funds or documents by a third party on behalf request. of the buyer and/or seller. Cap Limit to the amount an interest rate or monthly payment can Escrow Amount Amount set up by a lender into which periodic, increase for an adjustable-rate loan either during an adjustment usually monthly, payments for taxes, hazard insurance, period or over the life of the loan. assessments and mortgage insurance premiums are made. Funds Certificate of Occupancy Document from an official agency stating are held in trust by the lender who pays the sums as they become the property meets the requirements of local codes, ordinances and due. regulations. Fair Market Value Price at which property is transferred between Chain of Title History of all documents transferring title to a parcel willing buyer and willing seller, each of whom has reasonable of real property, starting with the earliest existing document and knowledge of all pertinent facts and neither being under compulsion ending with the most recent. to buy or sell. Change Order Homebuyer’s written authorization to add, delete or Federal Housing Administration (FHA) Federal agency that insures change an item specified in a contract. mortgages with lower down payment requirements than Closing Meeting to sign documents that transfer from a seller to a conventional loans. buyer. (Also referred to as settlement.) Fixed-Rate Mortgage Mortgage with an interest rate that remains Closing Costs Charges paid at settlement for obtaining a mortgage constant over the life of the loan. loan and transferring a real estate title. Hazard Insurance Protection against damage caused by fire, wind Commission Agent’s fee for negotiating a real estate or loan storms or other common hazards. Many lenders require borrowers transaction, often expressed as the percentage of the sales price or to carry it in an amount at least to the mortgage. mortgage amount. HVAC Common building industry abbreviation for heating, Conditions, Covenants and Restrictions (CC and Rs) Standards that ventilation and air conditioning systems. define how a property may be used and the protections the Index Interest rate or adjustment standard that determines the developer makes for the benefit of all owners in a subdivision. changes in monthly payments for an adjustable-rate loan.
56 ] Cincinnati/Dayton Information Guide HOMEBUYER’S GLOSSARY
Infrastructure Public facilities and services needed to support PITI Principal, interest, taxes and insurance: the four major residential development, including highways, bridges, schools and components of monthly housing payments. sewer and water systems. Point One-Time charge assessed by the lender at closing to Inspection Examination of work completed on a structure to increase the interest yield on a mortgage loan. determine compliance with building code and other code Presettlement Walk-Through Final inspection of house prior to requirements. closing, conducted by builder and buyer. Joint Tenancy Form of ownership in which the tenants own a Principal Amount borrowed, excluding interest and other charges. property equally. If one dies, the other automatically inherits the Property Survey Survey to determine the boundaries of a piece of entire property. property. Cost depends on the complexity of the survey. Loan Origination Fee Lender will charge a fee for the cost of Recording Fee Charge for recording the transfer of a property, paid processing the loan, usually calculated as a percentage of the loan to a city, county or other appropriate branch of government. amount. Specifications Contractual document describing in detail the work Loan-To-Value-Ratio Relationship between the amount of a home to be performed; method of construction; standards of loan and the total value of a property. workmanship; quality, type and manufacturer of materials and Lock-In Rate Commitment from a lender to make a loan at a pre- equipment for a particular project. set interest rate at some future date, usually for not more than 90 Tenancy in Common Form of ownership in which the tenants own days. A fee may be charged to “lock-in” a rate. separate but equal parts. To inherit the property, a surviving tenant Mortgage Commitment Formal written communication by a lender would either have to be mentioned in the will or, in the absence of agreeing to make a mortgage loan on a specific property, specifying a will, be eligible through state inheritance laws. the loan amount, length of time and conditions. Title Evidence, usually in the form of a certificate or deed, of a Mortgage Origination Fee Charge for the work involved in preparing person’s legal right to ownership of a property. and servicing a mortgage application. Title Insurance Insurance against any title defects that may exist Permit Document issued by a local government agency allowing prior to the time the title is passed from one owner to the next, and construction work to be performed in conformance with local which may come to light in a future transaction. codes. Work may not commence until permits have been obtained, Veterans Administration (VA) Federal agency that insures mortgage and each permit issuing agency must inspect the work at certain loans with very liberal down payment requirements for honorably specified points during construction. discharged veterans and their surviving spouses.
Cincinnati/Dayton Information Guide [ 57 WHO’S WHO IN BUILDING
Architect Lender Building design professional who has completed all required The financial institution that provides construction loan financing university training in architecture and passed state licensing exams; during construction and permanent financing for the home buyer initials A.I.A. and F.A.I.A. indicate membership in a professional after the home is built and there is a property settlement, referred to organization, but not licensed status. in our area as closing. Most lenders make what is referred to as Builder or General Contractor “end loans” which is the loan made to the buyer of a new home, and The buck stops with him or her in construction projects. The others make both the “end loan” and “construction loan financing” general contractor secures bids for all work and materials; hires, which provides funds to pay for costs incurred during construction. coordinates and oversees subcontractors; files for permits and Owner Builder arranges for inspections; and generally makes the final decisions in An individual or family who finances and manages a home all construction-related matters. building project (usually with the assistance of a builder or general Building Inspector contractor who is hired to manage all or a particular phase of the One or more local officials who oversee and regulate every phase construction of the home) with the intention of retaining ownership of residential construction. Regulations vary widely. In most states and residing in the home after completion. area home construction meets standards contained in the Uniform Subcontractor Building Code. In addition, applicable provisions of the Uniform Fire A specialist who undertakes responsibility for one phase or trade & Plumbing/Mechanical & Electrical codes are enforced. Typically, within the project and reports to the general contractor. In a typical permits are issued and inspections are made at key stages of home building project, subcontractors generally include: an construction by County and City building code enforcement excavation contractor who digs foundations and grades the site; a departments. masonry contractor who handles all concrete, block, brickwork and Building Designer paving; a framing contractor who constructs the shell and interior Generally unlicensed professionals (license not required for partitions; a roofing contractor; a heating, ventilation and air- practice) who, by experience, are competent to design homes, conditioning (HVAC) contractor; a plumbing contractor; an electrical prepare drawings and write specifications; they often work in contractor; drywall installers; insulation contractors; finish association with licensed architects. carpenters who generally handle wood flooring, trim work, and Construction Manager/Foreman cabinet installation; and a painting contractor. The general contractor’s right-hand man. A construction Surveyor manager can be on site when the general contractor is not. A professional with the training and equipment to establish or Design/Build Firms verify property lines. The surveyor also plots and marks the An organization that provides both architectural planning and topography of the site, which is crucial in preparing the site plan. He general contracting services, and offers a different approach to the or she may also be employed to stake out the building site, setting conventional arrangement in which the designer and builder are reference marks for foundation excavation, establishing grades for separate entities. roads or driveways and marking the locations for a septic system Interior Designer and water well, if necessary. Specialist in decoration and furnishing; special training and Title Insurance Company licensing not required. Initials A.S.I.D. following individual’s name The entity that conducts a comprehensive search of the public indicate membership in a professional association, for which records to make sure that the title received by a buyer of a new training and passing tests are required. home is “free and clear of any liens and encumbrances”. This Kitchen /Bath Designer assures the issuance of a clear or “merchant able” title in favor of Specialist in designing these rooms; initials C.K.D. and C.B.D. the buyer of a new home at the closing of the sale of the property. indicate certification by a professional association, for which training and 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 of existing plant material. License required for practice.
58 ] Cincinnati/Dayton Information Guide SELECTING A BUILDER
Are you shopping for a new home? Start by shopping for a Service After the Sale and Home Warranty professional builder first. Whether you are buying a townhouse, a While you are shopping, ask about the builder’s service after the detached home in a subdivision, or a custom-built house, the sale. Most builders offer some form of warranty. Many builders back construction quality of your new home will be determined by the their own warranties on workmanship and materials, typically for quality of your builder. one year. Other builders offer warranties backed by an insurance Start your builder-search process by calling your local home program. One of the most important criteria for selecting a builder builders association. They can give you the names of reputable is the warranty protection provided on the home. Ask for a copy of builders in your area. Ask friends and relatives about builders they the builder’s warranty. Read the document thoroughly and be sure have dealt with directly, or ask them for the names of acquaintances you understand what protection is provided. If you have any who have recently built a new home. questions about the coverage, talk to the builder prior to finalizing The Interview Process your purchase. Once you have developed a list of builders who are building the Be Thorough type and price range of home you are interested in, research their When selecting a builder, be thorough and ask a lot of questions. reputations and the quality of their work. The best way is to visit Get as many specifics as possible. If you receive the answers homes that they have built and talk to the owners. Ask the builders verbally, take notes. Never hesitate to ask a question because you on your list for the addresses of their recently completed houses, are afraid of sounding “stupid” or uninformed. What seems like a subdivisions, or townhouse communities. At the very least, drive by “stupid” question may yield a very important answer. and see if the homes are visually appealing. Buying a new home is probably the biggest and most important Look at homes that are the same style as you plan to buy. A good purchase you will make in your lifetime. By doing your new “home” time to visit is on a weekend morning when people are outside work to select a builder, you will instill in yourself and your family a doing chores. Introduce yourself and explain that you are sense of confidence and knowledge that you have made the right considering buying a home from the same builder who built their choice. home. If you have additional questions about selecting a builder, contact Ask about their satisfaction with the home and whether the your area’s Builders Association. Ask for a builder list that identifies builder delivered what was promised in a timely manner. Ask if they the price categories and subdivisions in which they build. Be sure to would buy another home from this builder. People will generally tell tour the Parade of Homes in the Fall and Spring. It is an excellent you if they are happy with their purchase. way to get familiar with the housing market in this area as well as Quality and Value individual builder’s products. When 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 to the type of lifestyle you want to lead. Look at the amount of interior living space and how efficiently the space is used. Find out if the builder is incorporating state-of-the-art energy efficiency features, both in appliances and insulation.
Cincinnati/Dayton Information Guide [ 59 SELECTING A CONTRACTOR
Every year hundreds of families are taken advantage of by 8. Make sure all required permits are secured and inspections are disreputable individuals or companies who represent themselves to made.The contractor should be expected to secure all necessary be reliable, reputable contractors. If you are planning to hire permits. Beware of contractors who want you to secure the someone to repair or make improvements to your property there are permit as the property owner. It is permissible to do so, but it is safeguards you can take to assure the best selection of a contractor very unusual that a reputable contractor will ask you to do this. for you. 9. Make sure you have a written contract with the contractor that Consider the Following details: 1. Hire only licensed contractors. Contractors are required to be a. A full description of all work to be done. licensed to do certain types of work. When selecting a contractor b. A firm date of completion you should make sure the contractor holds a current, valid c. Total cost of the job. license either issued by your city. d. Contractors license number. 2. All contractors do not possess the same expertise.Ask for e. All warranty information. references and check those references to assure yourself that f. Quality of materials to be used. the contractor is qualified to do the type of work you are wanting g. How and on what basis payments are to be made. done. h. How changes and payment for changes will be handled. 3. Check business references. Ask the contractor for a list of 10. Make sure complete architectural drawings are done and business references that you can call and verify that the agreed upon if you are having a room addition added, or relationships with suppliers and subcontractors are good ones extensive remodeling done. Be certain that detailed material and that the contractor pays his bills. specifications are also provided and made a part of the contract 4. Call the Better Business Bureau to find out if there are any you sign. complaints or charges pending against the contractor. 11. Monitor the work being done in accordance with the 5. Call local trade associations for information about selecting a contractual agreement with the contractor. If you have contractor. questions about what is being done or problems with the 6. Ask for proof from the contractor that he has general liability contractor, either ask questions or confront the problem head insurance and workers compensation insurance in order to on when it occurs in order to minimize any conflict and reach a protect you, as the property owner, against any claim in the event satisfactory resolve as quickly as possible. the contractor, his employees, or someone else is injured as a 12. Final payment should not be made until you are satisfied that result of work being done on your property. the job has been completed in accordance with the terms of the 7. Make sure the contractor you are contracting with will be contractual agreement between you and the contractor. personally involved in coordinating the work to be done on your property. “A house is made of walls and beams; A home is built with love and dreams.” - Author unknown
60 ] Cincinnati/Dayton Information Guide BANKING & MORTGAGE INFORMATION
Is Your Bank Meeting Your Current Financial Needs? What Will You Do? This page offers a guide to choosing the right bank for your The fist question to ask yourself is what you want to do with your needs, and offers some ideas for starting your checklist. bank account. Do you want to put money in there periodically and With banks offering an increasing number of financial services at watch it grow? Will you move money in and out quickly? You need widely varying fees, choosing one to handle your particular financial to know what your banking behavior will be like in order to find the needs can seem like a difficult and confusing task. Although there right bank. is much to consider, it is best to select a bank the same way you Next, get an idea of how you prefer to do your banking. If your would choose any product or service—first evaluate your needs schedule doesn’t work with most bank schedules, the best bank and then compare costs. You should also consider what is most might just be the one that’s open at convenient times. important to you in a banking relationship. Do you want to develop Free checking accounts get a lot of hype. They get people in the a personal, long-term customer relationship with a bank? Do you door. However, free may not always be the best thing for you. If you travel frequently and need access to branch offices while you are value certain services or conveniences, you may be willing to pay for out of town? If you prefer to do your banking by telephone or online, them. Once you get ahold of fee schedules from competing banks, you'll want to explore the types of electronic services each bank has consider if it’s really going to bother you to pay a few bucks each to offer. Once you have identified your needs, evaluating and month for that “gotta have it” feature or service. Maybe it is, maybe comparing the services and fees is a much simpler task. it isn’t. But you have to do your research, because not all banks offer At first glance, fees might make you favor debit cards in the debit free checking, and if they do, they won’t always tell you about that vs credit competition. The worst fee you'll find in a typical debit card option unless you ask. is a POS fee -- charged when you use your debit card at a retailer So go online or make a few phone calls. Find out if the bank has using PIN number. While the tide is shifting away from banks a lot of ATM locations. It doesn’t do you any good to have free charging these fees, they're still around. More importantly, there are checking if you have to spend $2 a pop to use another bank’s ATM more factors than fees to the debit vs credit debate. because you bank only has one branch and it is all the way across Hidden fees are becoming increasingly popular in the banking town. industry. If you're not careful, you might end up wasting significant You may be eligible because of where you live or what type of job amounts of money each year on things that can be easily avoided. you have to join a credit union. Many people like credit unions One place that's full of hidden fees is the ATM. While it is an easy because they offer a lot of free services (like maybe free Money way of obtaining your money quickly and efficiently, ATMs are Orders). But keep in mind that credit unions are often few and far notorious for their service charges. You can end up being charged between, so you may end up with the ATM surcharge problem. every time you use the ATM, if you're not careful. Some banks will charge extra fees if you do not meet certain requirements or do your banking with them. Banks can even charge you to check your balance at the ATM. It depends on the bank. You need to understand the terms of your bank and find the best plan for you. You can check balances, transfer funds and pay bills, all from the comfort and convenience of your home or office computer. Internet banking may also have a price. Depending on the bank, you may have to pay a service charge for this service. It also may not be available at all banks.
Cincinnati/Dayton Information Guide [ 61 BANKING & MORTGAGE INFORMATION
You may have a difficult time deciding which type of home feature was designed to provide housing and assistance for mortgage is the best for your needs. The world of home finance veterans and their families, and the dream of home ownership offers so many variables and options that it’s often hard to keep became a reality for millions of veterans. VA will guarantee a them straight. The following may help you better understand the maximum of 25 percent of a home loan amount up to $104,250, differences and find a home loan that’s right for you. which limits the maximum loan amount to $417,000. Generally, the Fixed-Rate Mortgages are very popular because the interest rate reasonable value of the property or the purchase price, whichever and monthly payments are constant. Fixed loans are generally is less, plus the funding fee may be borrowed. All veterans must amortized over ten, fifteen, twenty or thirty years. Property taxes qualify, for they are not automatically eligible for the program. and homeowners insurance may increase, but generally your Interest-Only Mortgage is really an interest-only option that works monthly payments will be very stable. During the early amortization with various mortgage types. This option has regular payments, period, a large percentage of the monthly payment is used for typically monthly, for a fixed period of time; however, payments paying the interest. As the loan is paid down, more of the monthly consist of one hundred percent interest. No principal is paid during payment is applied to principal. A typical 30 year fixed rate the interest-only period. When that period ends, the borrower is mortgage takes 22.5 years of level payments to pay half of the obligated to make payments of principal and interest. Because the original loan amount. You may also opt for “biweekly” mortgages, time remaining in the loan term to repay the principal is shorter than which shorten the loan by making a payment every two weeks. it would have been, payments will adjust upward, sometimes (Since there are 52 weeks in a year, you make 26 payments, or 13 substantially. The appeal of interest-only payments is savings. When “months” worth, every year.) principal is not being paid, monthly payments are dramatically Adjustable Rate Mortgage (ARM) is a loan which allows for the lower. On the risk side is potential for loss. If the need to sell arises adjustment of its interest rate according to the terms of the note and and the property value has stayed flat or declined, a borrower might as market interest rates change. With this type of mortgage loan be in a position where the mortgage loan balance is higher than the program the interest rate and payments may be adjusted as market value of the property. frequently as every month. The purpose of the program is to allow Balloon Mortgage Loan generally has a short term, commonly mortgage interest rates to fluctuate with market conditions. The anywhere from 3-7 years. During that term, borrowers make regular initial interest rate for an ARM is usually lower than that of a fixed equal payments of principal – the amount of money borrowed – plus rate mortgage, where the interest rate remains the same during the interest. At the end of the loan term, a “balloon” payment is due for life of the loan. A lower rate means lower payments, which might the entire loan balance. Options for handling the balloon payment help you qualify for a larger loan. Also if you do not plan to keep your include paying off the balance when due or refinancing before the home for more than a few years, the possibility of rate increases payment comes due. Balloon mortgages are usually offered at isn’t as much of a factor. But no one has a crystal ball to predict the lower interest rates than other fixed-rate loans. In addition, fluctuation of interest rates, so it is somewhat of a gamble. payments are calculated using a period longer than the term of the FHA Mortgage Loan is insured by the Federal Housing loan. As a result, balloon loans offer affordability for short-term Administration. FHA is part of the U.S. Department of Housing and circumstances. Borrowers do need to plan ahead so they are not Urban Development (HUD), one of its chief purposes is to help caught unprepared when the balloon payment is due. people obtain financing to buy their homes. The FHA doesn’t make Choosing a type of mortgage is not the only decision you must the loans, but insures loans made by banks, savings and loans, face. Several other criteria are listed below. mortgage companies, credit unions and other approved institutions. Hybrid Mortgage combines features of both fixed-rate and FHA does not originate loans. FHA insures the mortgage and pays adjustable-rate mortgages. A hybrid mortgage loan may start with the lender if the homebuyer defaults on the loan, or fails to repay the a rate that is fixed for a period of time. When that fixed-rate period loan. Almost anyone who has a satisfactory credit record, enough expires, the loan then converts to an ARM. The initial rate for a cash to close the loan, and sufficient steady income to make hybrid mortgage loan is typically lower than prevailing fixed rates. monthly mortgage payments can be approved for an FHA-insured The lower rate enables more buying power up front. On the risk side mortgage. There is no upper age limit and no certain income level is the uncertainty of how high interest rates will be when the fixed- required, although individual mortgage amounts are limited by law. rate period expires. VA Mortgage Loan is similar to the FHA mortgage. The U.S. Lending Institution are used When you’re looking for a home loan, Department of Veterans Affairs guarantees loans made by you might work with an officer at a bank or other lending institution, institutional lenders to eligible veterans. The guarantee helps protect or you might choose to work with a mortgage broker. The loan the lender in the event of the borrower’s default. The VA Loan was officers at a bank, credit union or other lending institution are initiated in 1944 through the Servicemen’s Readjustment Act, more employees who work to sell and process mortgages originated by commonly known as the GI Bill of Rights. The GI Bill was signed into their employer. They often have a wide variety of loans types to law by President Franklin D. Roosevelt and provided veterans with draw from, but all originate from that specific lender. a federally guaranteed home loan with no down payment. This
62 ] Cincinnati/Dayton Information Guide BANKING & MORTGAGE INFORMATION
Mortgage Brokers are professionals who are paid a fee to bring Appreciation is the increase in the property’s value, either by together lenders and borrowers. The mortgage broker working to improvement in the market or improvements made by the owner. secure your loan is earning a fee for that transaction—and the Balloon Mortgage is a loan that acts like a fixed rate but is due in better deal they achieve for a lender, the more they are paid. Don’t three, five or ten years. At that point you must pay the outstanding be too anxious to disclose the interest rate you would be willing to balance in one lump sum. accept, let them tell you what terms they can secure. Shop around Buydown is the process of buying a lower interest rate by paying to make sure the terms are reasonable. more points at closing. There should be little difference between obtaining a loan from a Conventional Mortgage is a loan that is under $ 240,000 and meets broker or a local lending institution. Maybe none, but you should be Fannie Mae and Freddie Mac standards, the largest purchasers of aware of the differences between the two positions. A mortgage home mortgages on the secondary market. broker may find you a lender in another part of the country. The loan Convertible Mortgage is an ARM with the option to convert to a office will likely be able to offer more personal service while your loan fixed rate mortgage as specified in the contract. is being processed and once you are an established customer. FHA Loans are issued by FHA approved lenders. The FHA insures Discount Points are fees paid to a lender at closing in order to its loans so that borrowers can get them with only 3 to 5% down lower your mortgage interest rate. While buying points is sometimes payment. The FHA has certain criteria to qualify for these loans. a good decision, many times the purchase costs you more than it Fixed-rate Mortgages are self amortizing loans with a constant rate saves. The cost of each point is equal to one percent of the loan of interest. These loans are commonly for 10, 15. 20 or 30 year amount. For instance, for a $100,000 loan one discount point periods. equals $1,000. Each discount point paid on a 30-year loan typically lowers the interest rate by 0.125 percent. That means a 5.5 percent Interest Rate is what the lender charges for the use of their money. rate would be lowered to 5.375 percent if you purchase one point. Expressed as an annual percentage of the amount borrowed before Paying for points lowers your interest rate, because the lender financing expenses. receives the income in a lump sum at closing rather than collecting Initial Interest Rate is what lenders charge on an ARM until the first the interest as you make payments on your loan. Whether or not adjustment is made. This rate is usually much lower than fixed rate paying points makes sense for you depends in part on how long mortgages. you plan to keep the loan. Jumbo Mortgages are loans greater than $ 227,150 with an interest rate that is a quarter percentage higher than conventional Helpful Mortgage Terms loans. Adjustable Rate Mortgage is a loan with a rate that adjusts to Lifetime Cap is the same as an annual cap except there is limit on market conditions. The rate of adjustment will be stated in the how high the interest rate can increase over the entire life of the contract. mortgage. Adjustment Index is a guide lenders use to change ARM interest Loan Commitment is a promise by the lender to provide the agreed rates during the life of a mortgage. The specific index to which your amount of money stated on the mortgage to close on a home. The ARM is tied to will be listed in the mortgage contract. commitment also states the interest rate, term of loan, and usually Annual Cap is a limit on how high the interest rate on an ARM can expires within 60 days. rise in a single year. Annual caps are specified in the better ARM Loan Servicing is the institution that handles the administrative programs. processing of your loan such as billing and collecting payments. Annual Percentage Rate Equals the true cost of a loan including Loan-to-Value Ratio is the proportional relationship of the financing charges and fees. mortgage loan to the value of a home, expressed as a percentage. Amortization is the process that reduces the amount owned in a loan. It can be made in a lump sum or periodic installments. Appraisal Value is estimating the property’s worth which is based on comparable properties. Appraisals that are completed by certified professionals, and are used by lenders to verify the home’s value and justify the mortgage commitment.
Cincinnati/Dayton Information Guide [ 63 BANKING & MORTGAGE INFORMATION
Mortgage Calculator You can obtain your property taxes from the local township office How much do you qualify for based on typical lender and you can contact your insurance agent for homeowner rates. requirements? Generally, the lender will require that your monthly Now, while shopping for your mortgage, you probably have payments not exceed 28% of your gross monthly income. Lets take discovered the current interest rate. Use the chart below; find the a look at how a lender would typically determine your ability to meet column, which applies to that rate. Follow the number down until monthly house payments. you find the number that is closest to your principal and interest First, determine your gross monthly income from all sources. payment. To the left of that you will find the loan amount for which Then multiply that amount by 28% to determine an approximate you probably qualify. If you intend to apply for a 90% loan, divide the allowable monthly payment. This payment includes principal, loan amount by .90 to calculate the price of the house that would interest, taxes and insurance. From this amount subtract taxes and require this monthly payment. insurance to arrive at your allowable principal and interest payment.
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
$ 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
64 ] Cincinnati/Dayton Information Guide AIRLINES APARTMENTS
Airlines Residential offers a 100% Total Resident equity toward a new home. Nowhere else Satisfaction Guarantee. can you take advantage of a national rent American Airlines Daniel Court to own program of this kind! We’re so sure Reservations call (800) 433-7300 you’ll be happy, we guarantee it! Equity Flights at your fingertips. For passenger 640 Daniel Court #1A Cincinnati, OH 45244 Residential offers a 100% Total Resident reservations and information call us or your Satisfaction Guarantee. travel agent. (513) 528-3380 Live Close to everything! Your new home Hampton Farms Apartments Continental Airlines will feature spacious floorplans, vaulted 301 Martha Layne Collins Blvd Reservations call (800) 523-3273 ceilings, walk-in closets, ceiling fans, Highland Heights, KY 41076-1751 Want to be treated with respect, fly the dishwasher and W/D hookups. RENT (866) 799-4643 safe and courteous sky’s with Continental WITH EQUITY, Equity Residential’s villagegreen.com Airlines. exclusive NATIONAL rent to own program Hampton Farms offers distinct architecture United Airlines allows residents to earn equity toward a and lush landscaping and its comfortable Reservations call (800) 241-6522 new home. Nowhere else can you take one- and two-bedroom apartments feature Serving more of the nations top 100 advantage of a national rent to own neutral color schemes, fully equipped business centers than any other airline. program of this kind! We’re so sure you’ll kitchens and washer and dryer Small package dispatch, same-day airport be happy, we guarantee it! Equity connections. Vaulted ceilings, great views to airport. Residential offers a 100% Total Resident and cozy wood burning fireplaces are Satisfaction Guarante. available in select models. Hampton Apartments Forest Hills Farms' two pools feature sundecks, an Arbors of Anderson 6375 Clough Pike outdoor hot tub, complimentary wireless 4037 Mount Carmel Tobasco Rd Cincinnati, OH 45244 Internet and picnic areas, while the newly Cincinnati, OH 45255-3465 (513) 231-9000 redecorated clubhouse is ideal for (877) 270-5319 Enjoy the privacy of rolling hills, fresh air entertaining guests. Hampton also has a villagegreen.com and a rippling stream. Tucked away in 24-hour professional fitness center; Arbors of Anderson offers a variety of Anderson Township, your new home will basketball court, sand volleyball and car spacious one-, two- and three-bedroom feature ceiling fans, walk-in closet, mini care station. Just a half-mile away is apartment homes. Interior features rival blinds and private patio/balcony. Beautifully Northern Kentucky University and you can those of the best single-family residences: landscaped, Forest Hills offers volleyball, walk to the grocery and a variety of wood burning fireplaces, open kitchens basketball and a sparkling swimming pool restaurants. Within minutes you can be at with breakfast bars, vaulted ceilings, for your recreation. So live the good Newport on the Levee, downtown serene wooded views and washer/dryer life…at Forest Hills! Cincinnati, the Northern Kentucky/Greater connections! Near Anderson Towne Center Cincinnati Airport and all major and Eastgate Mall, just off of I- 275 and Garfield Tower highways/interstates. Award-winning Beechmont Avenue, Arbors of Anderson is 111 Garfield Place resident service. Cincinnati, OH 45202 the perfect place for contemporary living. Mallard Lakes Townhomes (513) 621 0031 Entertainment is minutes away in 12100 Lake Circle Drive Picture yourself full of life in the heart of downtown Cincinnati and at Newport on Cincinnati, OH 45246 Cincinnati. Lounge around your spacious the Levee, Riverbend Music Center, Coney (877) 257-0329 home while taking in magnificent views of Island Park and numerous upscale villagegreen.com downtown and the hills of Cincinnati. In the shopping and dining establishments. Relax Featuring up to 1,280 square feet of mood for a cup of coffee? Enjoy a and rejuvenate enjoying the resort-style luxurious living in each townhome, Mallard complimentary cup in the lobby or stop by amenities including two lighted tennis Lakes offers the ideal rental option. All of Mullane's Parkside Cafe on the ground courts, sparkling pool with pavilion, the 3 story townhomes come with a two- floor before taking a stroll around historic clubhouse and 24-hour fitness center. car attached garage plus a bonus Piatt Park, located just across the street. Award-winning resident service. basement/utility room. It is the only rental Return home for a relaxing swim in your community in the area to offer this one-of- Ashgrove heated, year-round rooftop pool. Then, a-kind amenity with every home! On more #1 Ashgrove Ct. prepare for an evening of endless than 30 acres of hillside estate, Mallard Franklin, OH 45005 entertainment and fine dining possibilities, Lakes is minutes from shopping, dining (513) 743-9111 located right in your neighborhood. For and entertainment and near I-275 and I- Minutes from downtown and close to all more information, visit us on 75. In the heart of Springdale, Ohio, the that Cincinnati has to offer in dining, apartmentguide.com entertainment and shopping. Your new community also is part of the award- home will offer all new amenities within Greenglen winning Princeton City School District. your spacious new community. RENT 1805 Dogwood Ridge Road Award-winning resident service. Wheelersburg, OH 45694 WITH EQUITY, Equity Residential’s Meadowood (740) 574-8520 exclusive NATIONAL rent to own program 11060 Quailwood Drive Apartments homes include ceiling fans, allows residents to earn equity toward a Cincinnati, OH 45240 dishwashers, mini-blinds and spacious new home. Nowhere else can you take (513) 825-0737 floorplans. RENT WITH EQUITY, Equity advantage of a national rent to own Nice single story apartment homes Residential’s exclusive NATIONAL rent to program of this kind! We’re so sure you’ll located near highways, stores and bus- be happy, we guarantee it! Equity own program allows residents to earn
Cincinnati/Dayton Information Guide [ 65 APARTMENTS APARTMENTS line, Enjoy large floorplans with ceiling fans, Vineyard Apartments one-, two- and three-bedroom large, open dishwasher, modern kitchens and walk-in 7650 Ewing Blvd and modern floor plans range from 1,065 closets. RENT WITH EQUITY, Equity Florence, KY 41042-1836 to 1,265 sq. ft. and feature a private deck, Residential’s exclusive NATIONAL rent to (877) 404-0373 patio and, in some cases, a yard. Award- own program allows residents to earn villagegreen.com winning resident service. equity toward a new home. Nowhere else Along with luxurious one-bedroom with can you take advantage of a national rent den and two-bedroom/two-bath floor Banks/Financial Services to own program of this kind! We’re so sure plans, Vineyard features intercom- Advantage Bank you’ll be happy, we guarantee it! Equity controlled buildings, a newly remodeled 1101 St. Gregory Street Residential offers a 100% Total Resident clubhouse and a 24-hour fitness center. Cincinnati, OH 45202 Satisfaction Guarantee. Enjoy the outdoors in beautiful park-like (513) 929-0005 Parkland setting with a stocked fishing lake, at the Commitment, Convenience, 6751 Parkland #49 pool and sun deck, on the playground or Consistency. For over 20 years Advantage Florence, KY 41042 the sports court. Take advantage of a wide Bank has been committed to bringing (877) 669-4786 variety of nearby entertainment, including value to its customers in the form of villagegreen.com the Florence Aquatics Center, Turfway consistently good service. Three Parkland Apartments has the most Park, Florence Mall and several convenient locations and competitive rates. convenient location for renters who enjoy restaurants. Getting to and from Vineyard Pay bills on-line and access your account walking instead of driving. Nestled within is easy, as it is within minutes of the major information 24/7. the City of Florence off Dixie Highway, interstates I-71/75 and I-275, government We are here to serve you. Welcome to residents can walk to neighborhood shops, buildings, public library, downtown Cincinnati! Cincinnati and the Cincinnati/Northern restaurants and grocery/drug stores. Tank Advantage Bank Kentucky International Airport. Public bus lines run along Dixie Highway from 3002 Harrison Avenue transportation also can be accessed right Florence Mall to Downtown Cincinnati. Cincinnati, OH 45211 at the corner! Award-winning resident Unique Efficiency, 1 Bedroom & 2 (513) 661-5735 service. Bedroom floorplans feature spacious living Commitment, Convenience, areas, ample closet space and neutral Waterbury Consistency. For over 20 years Advantage backgrounds that let you decorate to fit 4140 Mt.Carmel Tobasco Rd. #1B Bank has been committed to bringing your own style. The community is within Cincinnati, OH 45255 value to its customers in the form of minutes of I-75, Turfway Race Track, the (513) 528-6950 consistently good service. Three Florence Aquatics Center, The Greater Come home to Waterbury. Your search convenient locations and competitive rates. Cincinnati/NKY Airport, downtown has ended! Live in the heart of downtown Pay bills on-line and access your account Cincinnati and Northern Kentucky close to shopping, dining and nite life. Your information 24/7. University. Several nature parks, Crestview new home will feature spacious floorplans We are here to serve you. Welcome to Town Center & Florence Mall are nearby for with ceiling fans, walk-in closets, W/D Cincinnati! all ages to enjoy. When it comes to rental hook ups and dishwasher. RENT WITH Cheviot Savings living, Parkland provides uncompromising EQUITY, Equity Residential’s exclusive 3723 Glenmore Avenue service at a modest price. Award-winning NATIONAL rent to own program allows Cheviot, Ohio 45211-4744 resident service. residents to earn equity toward a new (513) 661-0457 home. Nowhere else can you take Stonegate Apartments We welcome the opportunity to provide advantage of a national rent to own 7911 Stonegate Drive our services to you. We recognize the program of this kind! We’re so sure you’ll Cincinnati, OH 45255-3178 importance of a savings plan for both be happy, we guarantee it! Equity (877) 296-8918 short-term and for long term purposes. In Residential offers a 100% Total Resident villagegreen.com addition, we also recognize the importance Satisfaction Guarantee. Stonegate Apartments provides a of good service when doing business. We lifestyle of uncompromising quality with Windridge Townhomes at Cheviot Savings Bank will do what we attention to detail and serenity. Coming 6700 Hopeful Road can to provide you with the best services home is an enjoyable experience at Florence, KY 41042-1836 available. Stonegate when you take advantage of the (877) 528-5792 Cheviot Savings community's resort-style amenities and villagegreen.com 5550 Cheviot Road exclusive services. Whether you're looking Windridge Townhomes provides more Cincinnati, Ohio 45247-7094 for a place to entertain and meet new than apartment-style living in a quaint, (513) 389-3325 friends or a haven of solitude after a hectic friendly neighborhood. The community is We welcome the opportunity to provide day, you'll enjoy a host of dining, shopping within the prestigious Boone Co. School our services to you. We recognize the and entertainment centers nearby. Try out District and close to shopping, dining, importance of a savings plan for both the professional fitness center, racquetball nightlife, major highways (I-275, I-75/71) short-term and for long term purposes. In and tennis courts, a pool with a waterfall and the Cincinnati/N. Kentucky Airport. addition, we also recognize the importance and sun deck and a luxurious clubhouse Windridge also offers a stocked fishing of good service when doing business. We with business center to fulfill all your needs. pond, pool with sundeck, fitness center, at Cheviot Savings Bank will do what we Award-winning resident service. laundry center, playground and resident can to provide you with the best services benefits including planned social events available. and Stars and Stripes military pricing. The
66 ] Cincinnati/Dayton Information Guide BANKS FITNESS/HEALTH CLUBS
Cheviot Savings needs. Education-University 6060 Bridgetown Road Youthland Academy Art Institute of Cincinnati Cincinnati, Ohio 45248-3021 110 Merchant 1171 E. Kemper Rd (513) 389-3333 Cincinnati, OH 45246 We welcome the opportunity to provide Cincinnati, OH 45246 (513) 772-5888 (513) 751-1206 our services to you. We recognize the Like you, we care…about your child, importance of a savings plan for both A Creative & Cultural Environment Where about education, about total development, Mind, Heart, and Hands Create! short-term and for long term purposes. In & YOUR peace of mind. addition, we also recognize the importance Northern Kentucky University of good service when doing business. We Education K-8 Louis B Nunn Dr. at Cheviot Savings Bank will do what we Highland Heights, KY 41099 Cincinnati Christian Schools can to provide you with the best services (859) 572-5100 7350 Dixie Hwy available. Arts & Sciences-Business-Prof. Studies- Fairfield, OH 45011 Education-Law Advantage Bank (513) 874-8500 5071 Glencrossing Way Christ centered-quality education. ACSI Fitness/Health Clubs Cincinnati, OH 45238 accredited. Spiritual development and SparkPeople Coaching (513) 451-9660 excellence in academics and character is Commitment, Convenience, stressed. 38 Hollester St Consistency. For over 20 years Advantage Cincinnati, OH 45219 Riverside Academy Campus Bank has been committed to bringing (513) 241-6472 3280 River Rd value to its customers in the form of Personal training and achievement Riverside, OH 45204 consistently good service. Three coaching. Get fit. Lose weight. Call today (513) 921-7777 convenient locations and competitive rates. for a FREE session! Offering an exceptional environment Pay bills on-line and access your account Waycross Fitness Inc. where students excel academically, information 24/7. We are here to serve spiritually, socially and physically. Riverside 1990 Waycross Rd you. Welcome to Cincinnati! partners with parents to provide their Cincinnati, OH 45240 children a strong education. (513) 742-1700 Car/Truck Rental We offer the latest and best of today's Avis Rent a Car Education 6-12 fitness activities to help you achieve all of Reservations call (800) 331-1212 your health and fitness goals and have a Florida Air Academy Offers low-mileage quality maintained great time doing it! 1950 South Academy Drive GM and other cars. Computerized for fast I Melbourne, FL 32901 service and low rates for day, week, or Home Builders/Developers (321) 723-3211 long term mini lease. Anderson Custom Builders www.flair.com Budget Rent a Car At Florida Air Academy, Cadets at have 431 Ohio Pike Worldwide Reservations (800) 527-0700 the opportunity to get a first-rate education Cincinnati, OH 45231 Right now, Budget has some great rates geared to the learning styles of young men (513) 688-0494 431 on some equally great cars and trucks. So and make friends from around the world. Quality Custom Homes being built in the don’t let them pass you by. For your local The school accepts young men in grades area for over 20 years. You tell us what you or one-way rental choose from Budget’s 6 through 12. The Academy boasts a 16- want and let us do the work. Top quality World Class Fleet at the airport, or in your student average class size and college homes at affordable prices. neighborhood. prep curriculum taught by accredited staff, Buckeye Homes Budget Rent a Truck many with advanced degrees. Cadets at 1458 U S Route 52 Worldwide Reservations (800) 527-0700 Florida Air Academy receive leadership New Richmond, OH 45157 Right now, Budget has some great rates training and an emphasis on community (513) 553-3700 on some equally great cars and trucks. So service. Other programs include an A full service custom home builder don’t let them pass you by. excellent sports program, extensive specializing in log and custom timber computer curriculum and optional flight framed homes. Build your dream home Hertz Car Rental training and SCUBA certification. today. We believe in personal service, we Reservations call (800) 654-3131 Florida Air Academy is located on work on the details and you oversee the Still the biggest, still the best We care process. Call today to get started about you. Customer service is the most Florida's Space Coast and is fully important thing we do. Biggest selection of accredited. Contact our Admissions EGC Construction low-mileage cars. department for more information on Fall, 1010 Monmouth Spring, and Summer enrollments. Newport, KY 41071 Education PreK For additional Information contact: (859) 441-7947 Little Red School House Donna Stratford Director of Communication An Authentic Design/Build Firm. More 4104 Dixie Hwy (321) 723-3211, Extension 30028 Than 20 Years Experience in serving the Erlanger, KY 41018 people in the Cincinnati area. Call us today (859) 342-8890 to design and build your home with the Early Education Childhood Experts since quality workmanship that you know and 1975. 12 Locations to best serve your trust.
Cincinnati/Dayton Information Guide [ 67 FITNESS/HEALTH CLUBS NEW HOME DEVELOPMENTS
Holiday Homes MGM Grand • New York City’s original Gallaghers Hwy 28 3799 Las Vegas Blvd. South Steakhouse. Milford, OH 45150 Las Vegas, NV 89109 • Be the toast of the town in the Big apple (513) 575-0100 x1252 (702) 891-1111 Bar with live entertainment nightly in “The Sit back and relax while we build your Searching for non-stop action and Greatest City in Las Vegas.” new home. The quality, affordability, pulse-pounding excitement? “The City of • ZUMANITY, Another side of Cirque du liveability and unsurpassed value will be Entertainment” awaits your arrival. Soleil, the creative climax of sexuality, evident. Holiday Homes has built many • La Femme-the sensual French sensation humanity and art. great homes for people in the Cincinnati direct from the original Crazy Horse in Pan Pacific Resort Hotels area, why not have yours be next! Paris. Worldwide Reservations Ireland May Limited • Tabu - The ultra hip lounge designed to Toll Free (800) 327-8585 9383 Main St stimulate and arouse your senses. Pan Pacific Hotels & Resorts. North Cincinnati, OH 45242 • Live the nightclub lifestyle at studio 54sm. America, Japan, Southeast Asia. (513) 984-2702 • Sixteen masterpiece restaurants including Building Heirloom Homes at your Treasure Island celebrated chef Tom Colicchio’s 3300 Las Vegas Blvd. South direction. Contact us today for details. Our Craftsteak and Michelle Mina’s NOBHILL. custom homes will meet your every need. Las Vegas, NV 89109 • The king of the jungle overlooks the Lion Ireland May is the right choice for (702) 792-5627 Habitat. Cincinnati home buyers. Enjoy the adventure and romance of this • The Grand Garden Arena and Hollywood engaging resort filled with new-world Moving Supplies Theatre feature top name entertainment. amenities. Dial-A-Box Mirage Hotel & Casino • AAA Four Diamond Award® winning White Plains and The Bronx, NY 3400 Las Vegas Blvd South resort. TOLL FREE: (866) 4-DIAL-A-BOX / Las Vegas, NV 89109 • World-famous pyrotechnic sea battle (866) 434-2522 (702) 791-7111 between the pirate ship, Hispaniola, and www.dial-a-box.com Immerse yourself in this tropical South the British frigate, H.M.S. Britania in the Nationwide Travel Sea oasis filled with luxury and excitement! middle of the Buccaneer Bay. • Experience the elegance and • Mystere by Cirque du Soleil, a Bellagio The Resort sophistication of our newly redesigned mesmerizing mix of powerful acrobatics, 3600 Las Vegas Blvd South guest rooms. circus skills and dance. Las Vegas, NV 89109 • Dive into interconnected lagoon and • Eight exciting dining options including (702) 693-7223 thundering waterfalls at the new Mirage Kahunaville and Buccaneer Bay Experience a world unto itself at “the pool. Restaurant-fine dining overlooking the most romantic hotel in the world.” • Ten international restaurants including explosive battle in Buccaneer Bay. • AAA Five Diamond Award winning resort. AAA Five-Diamond award winner Renoir. • A beautifully appointed wedding chapel. • Nine world-renowned restaurants • Exotic White Tigers, Lions and a family of • A tropical pool area and lavish spa and including Aqua, Prime, and AAA Five Atlantic Bottlenose Dolphins in Seigfried salon. Diamond Award-winner Picasso. and Roy’s Secret Garden and Dolphin • “O” by Cirque du Soleil, an extraordinary Habitat. New Home Developments fusion of water, dance and aerobics. • A fire-erupting volcano sparkling lagoons Enclave at Stoneridge-Villas Patio Homes • Via Bellagio- a collection of the worlds and tumbling waterfalls. 30 WoodCliff Blvd. most sophisticated boutiques from • Dive into interconnected lagoon and Springboro, OH 45066 Giorgio Armani, Chanel, Tiffany, and thundering waterfalls at the new Mirage (937) 748-3541 Hermes. pool. www.beazer.com • The Conservatory and Botanical Gardens The Villa’s at Stone Ridge at the Enclave New York-New York charms guests with its natural beauty. in Springboro, is the newest and most 3790 Las Vegas Blvd. South exciting series of homes Beazer has • Dancing Fountains cavort on an eight Las Vegas, NV 89109 acre lake. created. These are a ranch style patio (702) 740-6969 homes with wonderful open space, great Fairmont Hotels The best of New York City meets the for entertaining or just relaxing. Springboro Toll Free (800) 527-4727 best of Las Vegas in one exciting location. offers schools that are rated “EXCELLENT,” www.Fairmont.com Be a part of it. a historic downtown with quaint little Boston, Las Vegas, Dallas, New • ESPN ZONE sports-themed dining and shops, great dining, and close excess to Orleans, New York, San Francisco & San entertainment. I-75. Jose America’s Grand Hotels since 1907. • Live performances nightly from the The Lakes Of Aspen Trails Hilton Hotels Award-winning comedy of Rita Rudner. 5156 Elm Leaf Trail Worldwide Reservations • The thrilling Manhattan Express Roller Hamilton, OH 45011 Toll Free (800) 845-8667 Coaster. (513) 777-1670 www.Hilton.com • COYOTE UGLY Bar and Dance saloon www.beazer.com Hilton Hotels, Resorts, Suites, Hilton and the Dueling Pianos at the Bar at Hurry In!! Only a Few Homes Garden Inn, Conrad International Hotel. Times Square. Remaining!!
68 ] Cincinnati/Dayton Information Guide NEW HOME DEVELOPMENTS TANNING
Someday Starts Today at the Lakes of Your new home may be perched on a tree- Barleycorns Aspen Trails in Liberty Township! Enjoy lined ridge with a panoramic view or 2642 Dixie Hwy walking and bike paths that wind by nestled in a gas-lit courtyard surrounding a Lakeside Park, KY 41071 creeks, beautiful wooded areas, pocket sparkling fountain. With more than forty (859) 331-6633 parks, gazebos and 3 lakes. Aspen Trails is styles and sizes of apartment homes to Indulge your taste for exceptional dining. situated in a tranquil country setting with choose from studios, dramatic lofts, one, Personable, professional and well-placed easy access to I-75, convenient shopping two and three bedroom apartments, three service. Great for parties and gatherings. and dinning at the new Bridgewater Falls, bedroom apartments with den and more Great time, great friends and great Union Centre & Tri-County Mall! Located in there’s the perfect home available for food.Barleycorns the highly acclaimed Lakota School everyone. And, each apartment boasts its 201 Riverboat Row District. own private patio or balcony. Enjoy special Newport, KY 41071 The Legacy At Villages Of Winding Creek - amenities right on the grounds, such as (859) 292-2978 Little Falls Drive the lush, peaceful nature trail and our Indulge your taste for exceptional dining. Clearcreek TWP, OH 45066 beautiful creek-side picnic grove. The Personable, professional and well-placed (937) 886-9920 Williamsburg Inn is perfect for your most service. Great for parties and gatherings. www.beazer.com elegant party and has beautifully appointed Great time, great friends and great food. rooms at nominal rates for your overnight NEW SECTION OPEN!! Barleycorns guests. Tennis courts, three swimming Never has more care and planning gone 100 Industrial Rd pools, a playground and a fitness center into a residential community. The Villages Cold Spring, KY 41076 add to your enjoyment. Plus, five miles of of Winding Creek, at 610 acres, is one of (859) 442-3410 private roads makes Williamsburg ideal for the largest developments the area has ever Indulge your taste for exceptional dining. bikers, runners and walkers. seen. Beazer quality runs through each Personable, professional and well-placed community resulting in a more aesthetically Property Management service. Great for parties and gatherings. pleasing and calming living space. Imagine Great time, great friends and great food. Village Green a neighborhood large enough to accommodate diverse housing, shops, 135 Merchant Street, Suite 100 Salons Cincinnati, OH 45246 restaurants, small offices and 130 acres of Bedazzle Beauty Salon Inc (513) 672-8600 greenspace. The Villages of Winding Creek 9136 Union Cemetery Rd. Headquartered in Farmington Hills, will be more than the community of your Cincinnati, OH 45249 Michigan, Village Green Companies is one dreams...it will be a better way to live. (513) 677-1440 of the nation’s largest privately held SOMEDAY STARTS TODAY! Complete hair care for Men, Women developers and managers of luxury and Children. Whirlpool Pedicures, Facials, Twin Creeks apartment communities and has set the Waxing, Manicures and Fiberglass Nails 702 McKees Mill Run standard for apartment living since 1919. are some of our specialities. New Carlisle, OH 45344 When choosing an apartment, it is (937) 845-8627 important to consider the management Tanning www.beazer.com team behind it. With more than 85 years of Stop out today and see scenic Twin experience, Village Green attributes our Club Tan Creeks! As Beazer’s first community in success to our We Care philosophy. 8740 Montgomery Rd Kenwood, OH 45236 New Carlisle, Twin Creeks will feature This guarantees that Village Green’s (513) 984-8262 beautiful wooded lots, creeks, pool, team of dedicated professionals is devoted Greater Cincinnati's Finest Mega Tanning clubhouse, and much more! to service and constant attention to every Studious. No appointments necessary. We Villages of Classicway detail of our apartment communities...from offer extended hours, 7 ways to tan, new 2291 East US Route 22 our meticulously landscaped grounds and high pressure booths. Gift certificates Morrow, OH 45152 excellent maintenance to the features and available. (513) 899-0005 amenities we offer. At Village Green our We www.beazer.com Care commitment includes not only our Club Tan Choose from beautiful homesites in a residents and apartment communities, but 8131 Connector Road unique country setting. Rolling hillsides, also our associates, the environment and Florence, OH woods, bike paths and hiking trails are just neighborhoods surrounding our properties. (859) 282-1617 a few of the many amenities that make this Greater Cincinnati's Finest Mega Tanning community one of a kind. The Villages of Restaurants Studious. No appointments necessary. We Classicway is located just minutes from I- Barleycorns offer extended hours, 7 ways to tan, new 71, shopping, dining and entertainment. 124 E 6th Street high pressure booths. Gift certificates Visit us today! Cincinnati, OH 45202 available. Williamsburg of Cincinnati (513) 621-5511 200 W. Galbraith Road Indulge your taste for exceptional dining. Cincinnati, OH 45215 Personable, professional and well-placed (513) 948-2300 service. Great for parties and gatherings. www.WilliamsburgOfCincinnati.com Great time, great friends and great food. Williamsburg of Cincinnati is nestled in 110 landscaped acres of gently rolling hills.
Cincinnati/Dayton Information Guide [ 69 RESTAURANTS TANNING
70 ] Cincinnati/Dayton Information Guide NATIONWIDE TRAVEL PROPERTY MANAGEMENT
Award-winning comedy of Rita Rudner. The Lakes Of Aspen Trails Williamsburg of Cincinnati • The thrilling Manhattan Express Roller 5156 Elm Leaf Trail 200 W. Galbraith Road Coaster. Hamilton, OH 45011 Cincinnati, OH 45215 • COYOTE UGLY Bar and Dance saloon (513) 777-1670 (513) 948-2300 and the Dueling Pianos at the Bar at www.beazer.com www.WilliamsburgOfCincinnati.com Times Square. Hurry In!! Only a Few Homes Williamsburg of Cincinnati is nestled in Remaining!! 110 landscaped acres of gently rolling hills. • New York City’s original Gallaghers Your new home may be perched on a tree- Steakhouse. Someday Starts Today at the Lakes of Aspen Trails in Liberty Township! Enjoy lined ridge with a panoramic view or • Be the toast of the town in the Big apple walking and bike paths that wind by nestled in a gas-lit courtyard surrounding a Bar with live entertainment nightly in “The creeks, beautiful wooded areas, pocket sparkling fountain. With more than forty Greatest City in Las Vegas.” parks, gazebos and 3 lakes. Aspen Trails is styles and sizes of apartment homes to • ZUMANITY, Another side of Cirque du situated in a tranquil country setting with choose from studios, dramatic lofts, one, Soleil, the creative climax of sexuality, easy access to I-75, convenient shopping two and three bedroom apartments, three humanity and art. and dinning at the new Bridgewater Falls, bedroom apartments with den and more Pan Pacific Resort Hotels Union Centre & Tri-County Mall! Located in there’s the perfect home available for Worldwide Reservations the highly acclaimed Lakota School everyone. And, each apartment boasts its Toll Free (800) 327-8585 District. own private patio or balcony. Enjoy special amenities right on the grounds, such as Pan Pacific Hotels & Resorts. North The Legacy At Villages Of Winding Creek - the lush, peaceful nature trail and our America, Japan, Southeast Asia. Little Falls Drive beautiful creek-side picnic grove. The Treasure Island Clearcreek TWP, OH 45066 Williamsburg Inn is perfect for your most (937) 886-9920 3300 Las Vegas Blvd. South elegant party and has beautifully appointed www.beazer.com Las Vegas, NV 89109 rooms at nominal rates for your overnight NEW SECTION OPEN!! (702) 792-5627 guests. Tennis courts, three swimming Enjoy the adventure and romance of this Never has more care and planning gone pools, a playground and a fitness center engaging resort filled with new-world into a residential community. The Villages add to your enjoyment. Plus, five miles of amenities. of Winding Creek, at 610 acres, is one of private roads makes Williamsburg ideal for • AAA Four Diamond Award® winning the largest developments the area has ever bikers, runners and walkers. resort. seen. Beazer quality runs through each • World-famous pyrotechnic sea battle community resulting in a more aesthetically Property Management between the pirate ship, Hispaniola, and pleasing and calming living space. Imagine Village Green the British frigate, H.M.S. Britania in the a neighborhood large enough to 135 Merchant Street, Suite 100 middle of the Buccaneer Bay. accommodate diverse housing, shops, Cincinnati, OH 45246 • Mystere by Cirque du Soleil, a restaurants, small offices and 130 acres of (513) 672-8600 mesmerizing mix of powerful acrobatics, greenspace. The Villages of Winding Creek Headquartered in Farmington Hills, circus skills and dance. will be more than the community of your Michigan, Village Green Companies is one dreams...it will be a better way to live. of the nation’s largest privately held • Eight exciting dining options including SOMEDAY STARTS TODAY! Kahunaville and Buccaneer Bay developers and managers of luxury Restaurant-fine dining overlooking the Twin Creeks apartment communities and has set the explosive battle in Buccaneer Bay. 702 McKees Mill Run standard for apartment living since 1919. • A beautifully appointed wedding chapel. New Carlisle, OH 45344 When choosing an apartment, it is (937) 845-8627 important to consider the management • A tropical pool area and lavish spa and www.beazer.com team behind it. With more than 85 years of salon. Stop out today and see scenic Twin experience, Village Green attributes our New Home Developments Creeks! As Beazer’s first community in success to our We Care philosophy. New Carlisle, Twin Creeks will feature This guarantees that Village Green’s Enclave at Stoneridge-Villas Patio Homes beautiful wooded lots, creeks, pool, team of dedicated professionals is devoted 30 WoodCliff Blvd. clubhouse, and much more! to service and constant attention to every Springboro, OH 45066 detail of our apartment communities...from (937) 748-3541 Villages of Classicway our meticulously landscaped grounds and www.beazer.com 2291 East US Route 22 excellent maintenance to the features and The Villa’s at Stone Ridge at the Enclave Morrow, OH 45152 amenities we offer. At Village Green our We in Springboro, is the newest and most (513) 899-0005 Care commitment includes not only our exciting series of homes Beazer has www.beazer.com residents and apartment communities, but created. These are a ranch style patio Choose from beautiful homesites in a also our associates, the environment and homes with wonderful open space, great unique country setting. Rolling hillsides, neighborhoods surrounding our properties. for entertaining or just relaxing. Springboro woods, bike paths and hiking trails are just offers schools that are rated “EXCELLENT,” a few of the many amenities that make this a historic downtown with quaint little community one of a kind. The Villages of shops, great dining, and close excess to Classicway is located just minutes from I- I-75. 71, shopping, dining and entertainment. Visit us today!
Cincinnati/Dayton Information Guide [ 69 RESTAURANTS TANNING
Restaurants Salons Barleycorns Bedazzle Beauty Salon Inc 124 E 6th Street 9136 Union Cemetery Rd. Cincinnati, OH 45202 Cincinnati, OH 45249 (513) 621-5511 (513) 677-1440 Indulge your taste for exceptional dining. Complete hair care for Men, Women Personable, professional and well-placed and Children. Whirlpool Pedicures, Facials, service. Great for parties and gatherings. Waxing, Manicures and Fiberglass Nails Great time, great friends and great food. are some of our specialities. Barleycorns Tanning 2642 Dixie Hwy Lakeside Park, KY 41071 Club Tan (859) 331-6633 8740 Montgomery Rd Indulge your taste for exceptional dining. Kenwood, OH 45236 Personable, professional and well-placed (513) 984-8262 service. Great for parties and gatherings. Greater Cincinnati's Finest Mega Great time, great friends and great food. Tanning Studious. No appointments necessary. We offer extended hours, 7 Barleycorns ways to tan, new high pressure booths. 201 Riverboat Row Gift certificates available. Newport, KY 41071 (859) 292-2978 Club Tan Indulge your taste for exceptional dining. 8131 Connector Road Personable, professional and well-placed Florence, OH service. Great for parties and gatherings. (859) 282-1617 Great time, great friends and great food. Greater Cincinnati's Finest Mega Tanning Studious. No appointments Barleycorns necessary. We offer extended hours, 7 100 Industrial Rd ways to tan, new high pressure booths. Cold Spring, KY 41076 Gift certificates available. (859) 442-3410 Indulge your taste for exceptional dining. Personable, professional and well-placed service. Great for parties and gatherings. Great time, great friends and great food.
70 ] Cincinnati/Dayton Information Guide 12/31/09