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ublisher of 95 U.S. and 32 International Relocation Guides, NewMarket PServices, Inc., is proud to introduce our online version. Now you may easily access the same information you find in each one of our 127 Relocation Guides at

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Milwaukee 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 . 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. Important telephone numbers, Milwaukee packing and moving suggestions, Welcomes You! and much, much more useful information is found throughout the Guide pages. Selected area businesses, many offering significant savingsare found in the Business Directory Section, sorted by category.

The Guide can save you both time and money while providing you a continuous resource tool as you become more familiar with the metroplex. We do hope you find our Relocation Package to be of assistance to you. If you do not find something you need, or if you have any suggestions for future issues of the Guide, please give us a call. We will be happy to assist in any way.

(866) 595-3792 Toll Free From everyone at NewMarket Services Welcome to Milwaukee!

6 ] Milwaukee Information Guide www.newmarketservices.com Milwaukee Information Guide [ Volume 11 [ Number 4

LOCAL INFORMATION The State of 6 Area Codes, Important Phone Numbers 13-14 Weather 14 Travel Information 15-16 Milwaukee Overview 9-10 Historical Background 10 Publisher: NewMarket Services, Inc. Milwaukee Neighborhoods 11 Cultural Attractions 17-18 President: Patrick Morgan Sports & Recreation 18 Managing Editor: Rebecca Wallace Media 19 Executive Editor: Jason Gerali MOVING Contributing Writer: Amy Tennant Smooth Transitions 23-24 Executive VP Sales & Marketing: Robert Fischer Choosing a Moving Company 23 Regional Sales Manager: Beth Hurley Packing Tips 24-24 Staying Organized 24 Art Department: Sprague Design Settling Into Your New Home 24 Graphic Designer: Dean Sprague What’s All the Talk About? 27 NewMarket On-Line: Total Web Design, Inc. Pre-Move Checklist 28-29 Relocating Your Pet 30 IT and Web Development: Larry Bongiovi Research Assistant: Stephanie Cooper, Lora Price Circulation: Little Drummer Boy Dist., Inc. MOVING WITH CHILDREN Reinforce the Positives 31-32 Phoenix Office: Choosing a School 31-32 PO Box 30534 Selecting Child Care 31-32 Phoenix, AZ 85046-0534 Education 34-37 Phone: (602) 923-3415 Fax: (602) 923-0774 FITNESS & HEALTH Toll Free: (866) 595-3791 In the Kitchen 39 Chicago Office: Physical and Mental Well Being 40-42 902 North Ashland Volunteering 43 Chicago, IL 60622 Phone: (312) 226-6288 HOUSING Fax: (312) 226-6290 Making the Right Choice 45-46 Toll Free: (866) 595-3792 Choosing the Right Home 47 Home Inspection Checklist 48 NewMarket currently publishes Information Homecare Basics for New Homeowners 49 Guides for 95 North American and 32 Security 50 International Markets. To order your NewMarket Information Guides for $3.50 Take Control of Your Energy Costs 51 each, please contact NewMarket Services Home Buyer’s Glossary 52-53 toll free at (866) 595-3792. Who’s Who in Building 54 Selecting a Builder 55 In preparing this publication, every effort has been made to assure the accuracy of Selecting a Contractor 56 the information contained herein, but Banking & Mortgage Information 57-60 authenticity cannot be guaranteed. Listings are subject to omission, error or change without notice. BUSINESS DIRECTORY Business Directory Listings 61-66 All material in this publication is copyright protected and can only be reprinted with permission of the publisher.

Milwaukee Information Guide [ 7 THE STATE OF WISCONSIN

California, and it leads the nation in cheese production. Although California has overtaken Wisconsin in the production of milk and butter, Wisconsin still produces more milk per capita than any other MI state in the Union. In addition to dairying, Wisconsin ranks first in the production of corn for silage, cranberries, ginseng, and snap beans for processing. Wisconsin is also a leading producer of oats, potatoes, carrots, tart cherries, maple syrup, and sweet corn for processing. Given Wisconsin's strong agricultural tradition, it is not surprising WI that a large part of the state’s manufacturing sector deals with food Minneapolis/ processing. Some well known food brands produced in Wisconsin St. Paul include Oscar Mayer, Tombstone and Jack’s frozen pizza, and MN Johnsonville Bratwursts. Kraft Foods alone employs over five thousand people in the state. Milwaukee is a major producer of beer Milwaukee and the home of Miller Brewing Company’s world headquarters, the Madison nation's second largest brewer. IA Wisconsin is represented by major league teams in the three Chicago most popular spectator sports in the United States: American football (Green Bay Packers), baseball (Milwaukee Brewers), and basketball (). The Green Bay Packers have been part of the National Football League since the league’s second IL IN season in 1921 and currently hold the record for the most NFL titles, he state of Wisconsin is located in the upper Midwest earning the city of Green Bay the nickname “Titletown”. region. Wisconsin is bordered by the states of Iowa, TMinnesota, Michigan and Illinois, as well as Lakes Michigan and Superior. Today 42.6% of the population is of German ancestry, making Wisconsin one of the most German-American states in the United States, although there are many other major ethnic groups, Fun Facts including one of the larger Hmong populations in the nation. POPULATION: 5,536,201 ( in 2005) Since its’ founding, Wisconsin has been ethnically CAPITAL: Madison heterogeneous, with New Englanders being among the first to LARGEST CITIES: Madison, Green Bay, Milwaukee arrive; for many years they dominated the state’s industry, finance, politics and education. Large numbers of European immigrants AREA: 65,498 sq mi followed them, including Germans, mostly between 1850 and HIGHEST POINT: Timms Hill 1,951 ft 1900, Scandinavians and smaller groups of Belgians, Swiss, Finns, Irish Catholics and others; in the twentieth century, large numbers LOWEST POINT: 579 ft of Polish and African-Americans arrived in the state. NICKNAME: Badger State Wisconsin's rural economy was originally based on furs; in the 19th century, emphasis shifted to mining, lumber, farming, dairy, STATE MOTO: Forward and tourism. Large-scale industrialization began in the late 19th STATE SALES TAX: 5% century in the southeast of the state, with the city of Milwaukee as its major center. In recent decades, service industries, especially AVR PERSONAL INCOME: $32,157 in 2004 medicine and education, have become dominant. Wisconsin's WEB SITE: www.wisconsin.gov landscape, largely shaped by the Wisconsin glaciation of the last Ice Age, makes the state popular for both tourism and many forms of outdoor recreation. The economy of Wisconsin is driven by agriculture, healthcare and manufacturing. Although manufacturing accounts for a far greater part of the state's income than farming, Wisconsin is usually recognized primarily as a farming state. Wisconsin produces more dairy products than any other state in the United States except

8 ] Milwaukee Information Guide ABOUT MILWAUKEE

OVERVIEW

estled on the western shores of Lake Michigan, Milwaukee blends small town charm and big city variety offering a wealth of business and social opportunities. NThe Milwaukee metropolitan area includes the four counties that surround the city - Milwaukee, Ozaukee, Washington and Waukesha. Nearly 1.5 million people live in the four- county region, which makes it the 36th-largest metropolitan area in the country. Yet nature is always close by - whether you want to sail on Lake Michigan or hike a bluff carved out by glaciers more than 11,000 years ago. For festivals and fun, Milwaukee can’t be beat. From May through September the city vibrates with a dizzying array of activities, including parades, music festivals, ethnic celebrations and church socials, bicycle races, sailing regattas, block parties and art fairs. Sports fans can attend professional basketball, baseball, soccer, hockey and arena football games, or they can watch Marquette University or University of Wisconsin- Milwaukee’s basketball teams battle their NCAA opponents. Theater, dance and opera companies keep the stages filled. And there are dozens of small clubs offering a variety of music, including blues, jazz, swing and rock ‘n’ roll. If your musical tastes are more classical, you might enjoy a night with the Milwaukee Symphony Orchestra or an afternoon of chamber music. The festival park is used to stage the many events organized by local ethnic groups, including Festa Italiana, German Fest, Irish Fest, Mexican Fiesta, African World Festival, Indian Summer, Asian Moon, Polish Fest and Arabian Fest. Milwaukee is served by a modern airport, an excellent highway system and major bus and rail terminals. The city is 93 miles from Chicago, 80 miles from Madison, 277 miles from Indianapolis, 326 miles from the Twin Cities and 511 miles from Pittsburgh. Interstate 94 connects Milwaukee with Chicago to the south, Madison to the west and the Twin Cities to the northwest. Interstate 43 originates in Green Bay, crosses through Milwaukee and ends MILWAULKEE just north of Rockford, Illinois. Interstate 894 bypasses the downtown, routing traffic around DEMOGRAPHICS the south and west sides of the city. Milwaukee: A Family Destination Population: 1.7 million Milwaukee is the ideal destination for families - the Genuine American City is affordable, Male: 47.02% friendly, easily accessible and safe. A multitude of attractions awaits the visitor! Experience Female: 52.98% the Milwaukee Public Museum, the Humphrey IMAX Dome Theater, Discovery World-The Median Age: 34.6 James Lovell Museum of Science, Economics & Technology, the Milwaukee County Zoo, Paradise Landing (indoor water park), the Betty Brinn Children’s Museum, the International Ethnic Make-up: Clown Hall of Fame, the Pettit National Ice Center, the Schlitz Audubon Center and Miller African American: 37% Hispanic: 6% Park. White/Caucasian: 50% Milwaukee Embraces & Celebrates its Diversity Other: 7% Milwaukee is a kaleidoscope of cultures that influence an eclectic array of restaurants, art galleries, museums and performance art throughout the area. Points of historic interest rich Median Household Income: $29,996 in cultural diversity are also abundant in Milwaukee. Among them, America’s Black Cultural Index: 112.0 Holocaust Museum houses books on slavery and racism, paintings, photographs of lynchings and slave artifacts from Africa and the United States. The Wisconsin Black Historical Society Museum chronicles the lives and contributions of African Americans to

Milwaukee and the state of Wisconsin. continued on page 10

Milwaukee Information Guide [ 9 OVERVIEW

Milwaukee embraces its multi-cultural heritage. You will find Irish, Mexican, Indian, Greek and English, to brats, burgers and restaurants, museums, cultural attractions, festivals, recreation and frozen custard. You are certain to find a spot that satisfies your neighborhoods that showcase many ethnic groups in Greater craving – the choice is yours. Milwaukee. Shopping Accommodations You’ll find an exciting variety of shopping choices in the Genuine Greater Milwaukee is home to some of the Midwest’s finest American City. The Greater Milwaukee area abounds with hotels, as well as a delightful cross section of other everything from quaint specialty shops, artisans’ villages and one- accommodations – from campgrounds to bed & breakfasts, motor of-a-kind galleries to malls and outlet stores. Choose from the many lodges to full-service resorts. Choose the property that best fits your unique shopping options available. needs and experience Milwaukee’s Genuine American hospitality. Dining & Nightlife Milwaukee is renowned for its fine ethnic cuisine! There is something to tantalize any taste – from German, to Italian, French,

HISTORICAL BACKGROUND

Genuine American History avant-garde technology with impressive artwork, bringing science Long before the first settlers came to this area, the Algonkian and culture together in a remarkable synthesis. Indians had a special name for the land: Millioki, which means 2001 marked the successful completion of two much anticipated “gathering place by the waters.” The Indians may have picked the and celebrated projects in the Genuine American City. Miller Park, name because they used the area for tribal gatherings or because the new home of the National League Milwaukee Brewers, opened they observed how three rivers (the Menomonee, the Kinnickinnic in April to sellout crowds. This $400 million, one-of-a-kind ballpark and the Milwaukee) met before flowing into the waters of Lake Mie- features a convertible roof and natural grass and offers the finest in sit-gan (Michigan). ballpark amenities including places to tailgate along the In 1813 French-Canadian entrepreneur arrived , a sports-themed restaurant, and the “Hot in Milwaukee and established the American Fur Company in the Corner” featuring a display showcasing Wisconsin baseball since heart of downtown. Following in 1834 Milwaukee’s two other 1900. founding fathers arrived. George Walker settled south of the Also completed in 2001 was the $100 million renovation and Menomonee’s mouth, and saw the westside of the expansion of the Milwaukee Art Museum. Designed by world- river as a place to make his fortune. renowned architect Santiago Calatrava, this addition includes a The three founding fathers did not see eye-to-eye and the results dramatic wing-like sculpture rising high above the city’s lakefront of this rivalry are evident today in downtown streets. Each settler like a bird taking flight, the Cudahy Gardens— an elegant public purposely built their streets not to match with the rival’s streets space complete with fountains surrounding the facility, a restaurant, across the rivers. Later, when bridges were built, they had to be and a 300-seat auditorium. This monumental project, an integral constructed at oblique angles to connect the roadways. In 1846, component of Milwaukee’s current citywide cultural renaissance, after a decade of disagreements, the three men put aside their was named the Best Design of 2001 by Time Magazine and has differences and joined forces to incorporate the City of Milwaukee. literally changed the personality and image of Milwaukee, giving the Today, Milwaukee is the 19th largest city in the United States, city an icon for the world to see. with a population of 596,974 in the city and 1.5 million in the Yet Milwaukee’s big-city advantages are enhanced by a friendly metropolitan area. Bordering the western shore of Lake Michigan, small-town spirit and Old World charm. The city’s neighborhoods just 90 miles north of Chicago, metropolitan Milwaukee offers weave a patchwork of diversity, as characteristics of the German urban, suburban, ethnic neighborhoods, waterfront, industrial and heritage blend with influences of many other cultures. Italian, Irish, rural settings within minutes of each other. Milwaukee’s skilled Polish, African American, Hispanic neighborhoods with ethnic workforce, concentration of industry, cultural resources and restaurants and shops make up the fabric of Milwaukee. Churches, educational institutions all make it one of the nation’s major neighborhood shops, Victorian worker’s cottages and industrialists’ metropolitan areas. castles abound and lend their neighborhoods a venerable air. In the Over $2 billion in development is currently taking place around face of all the progress, the traditions and values that make the city. Much of this growth and development has been fueled by Milwaukee the Genuine American City remain constant. The the addition of the Midwest Airlines Center, a $170 million strongly held ideals of family, ethnic and cultural diversity, and warm convention facility located in the heart of downtown that combines hospitality make Milwaukee the genuine destination.

10 ] Milwaukee Information Guide MILWAULKEE NEIGHBORHOODS

Choosing where to live may be one of the most difficult decisions first African American families. These new African American families that you will have to make. There are more than 90 communities in followed the community-building pattern of their predecessors, the five-county metropolitan area, each with its own distinct establishing new churches and business, and creating a advantages. One of your primary considerations will likely be finding neighborhood with a new distinct cultural flavor. a home near where you or your spouse will work. Fortunately, Historic King Drive continues to thrive with over $51 million Milwaukee’s average commute time is among the lowest in the dollars invested in the neighborhood during the past four years, and country, which means it is possible to live anywhere in the $110 million work of development planned between 2000 and metropolitan area and still be close to the urban amenities of 2005, including the Harley-Davidson Museum, which will showcase . the Harley-Davidson motorcycling experience through an interactive Milwaukee’s historical fabric is woven with many diverse museum and exhibits and presentations about Harley-Davidson neighborhoods. Charming historic and ethnic neighborhoods retain history and culture and lifestyle. some of the traditions of yesterday, while at the same time Historic Third Ward reinventing themselves into trendy new ones with restaurants Historic Third Ward is a turn-of-the-century neighborhood filled serving mouth-watering meals from just about any country and with historical ambiance and architecture. A former wholesale and region you can name, and shopping ranging from traditional ethnic manufacturing district first settled mostly by Irish immigrant bakeries to eclectic boutiques. laborers, and later replaced by an Italian community, today the area Historic Brady Street is experiencing a renaissance as a revitalized mixed-use Historic Brady Street was an early Milwaukee neighborhood that neighborhood. The Historic Third Ward has a high concentration of served as the main street for its immigrant community of Irish, art galleries, antique shops, restaurants, unique specialty stores, the German and Polish settlers during the 1840s, with the ethnic Broadway Theater Center, the Milwaukee Institute of Art & Design, character of the area changing predominantly to Italian during the and the William F. Eisner Museum of Advertising & Design. A 1930s and 1940s. During the ‘60s and early ‘70s it became the pedestrian-friendly neighborhood, the Historic Third Ward offers a hangout for Milwaukee’s “flower power” movement and various walking tour that will take you on a journey of a vibrant underground newspapers. neighborhood where past and present meet. This diverse community near downtown Milwaukee and within Old World Third Street walking distance of the shores of Lake Michigan is now one of the Old World Third Street’s strong German heritage is retained in this trendiest neighborhoods in Milwaukee with various ethnic historic neighborhood, however, other ethnic communities have restaurants, pubs and coffee shops and small, hip cafes and found a home there recently. In addition to world-famous Mader’s specialty food shops. The street is known for its unique mix of German Restaurant and Usinger’s Sausage, you will find African Hut eclectic shops. Plan a visit to Brady Street soon, sample its wares, Restaurant, the Milwaukee County Historical Center, The Spice shop its stores, view its art, and savor the flavor that is uniquely House and more lining the old-world cobblestone streets. Brady Street. East Town Walker’s Point East Town is an exciting vibrant community located just east of Walker’s Point, listed in the National Register of Historic Places as the in the heart of downtown Milwaukee. Located Milwaukee’s first National Historic District, and coined “Milwaukee’s in the Downtown Theater District, East Town plays host to some of oldest neighborhood,” today is a neighborhood with a skyline the most popular productions in the country. There’s everything dominated by steeples, and an assortment of historic homes, art from ballet, art exhibits and award-winning orchestras to some of galleries, and a mouth-watering variety of ethnic restaurants. the top nightlife spots in the Midwest. And for families, there is the Located in Walker’s Point is one of Milwaukee’s most notable Betty Brinn Children’s Museum. You can treat yourself to some landmarks, the Allen-Bradley building, which has resting at its top, amazing shopping in East Town, as well as the country’s largest the largest four-sided clock in the world, according to the Guinness celebration of the French culture, Bastille Days, a three-day street Book of World Records. Walker’s Point has a very vibrant Latino festival complete with fabulous cuisine, great music and dancing, community, offering many Mexican and Caribbean dining options. and specialty shopping. Stop in at one of these popular establishments and enjoy some of Westown the best food in the city. The Westown neighborhood is a major part of Milwaukee’s Historic King Drive central business district. Westown is home to Milwaukee’s premiere Historic King Drive’s neighborhood roots go back to the mid- convention facility, the Midwest Airlines Center, conveniently located 1800s, when the area was settled by German immigrants who built within walking distance to shopping, dining, nightlife and hotels. homes, churches and schools there. By the early 1900s, these Westown also includes the Milwaukee Public Museum, the founding German families began moving to newer neighborhoods, Humphrey IMAX Dome Theater, Discovery World Museum, The making room for a new diversity that filled the district. New ethnic Shops of Grand Avenue and the . groups moved into the neighborhood and among them were the

Milwaukee Information Guide [ 11 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.

12 ] Milwaukee Information Guide IMPORTANT PHONE NUMBERS

City Area Codes Driver’s Licenses The area code for Milwaukee is 414. All drivers in Wisconsin must be licensed by the state after their If the phone number you’re searching for is not listed below, call residency is established. Drivers possessing out-of-state licenses (414) 555-1212. can apply for a Wisconsin license by bringing their existing driver’s license, another document with their name and signature, and Emergency providing their Social Security number to a WISDOT customer All Emergencies (Fire, Police, Ambulance) 911 service center. A vision test is required. Crisis Pregnancy Center (800) 395-4357 Motor Vehicle Stations Emergency Crisis Hotline 257-7222, (TTY-TTD) 257-6300 Downtown: 819 N. 6th St., Milwaukee Poison Control Center of Eastern Wisconsin (414) 266-2222 Northeast: 6073 N. Teutonia Ave., Milwaukee Non-Emergency Northwest: 7301 W. Mill Rd., Milwaukee Southeast: 1835 E. College Ave., South Milwaukee Police Southwest: 5500 W. Grange Ave., Greendale Campus Police 229-4627 Waukesha: 400 S. West Ave., Waukesha Milwaukee Police next day concerns 933-4444 Racine: 9531 Rayne Rd., Sturtevant Milwaukee Police business phone 935-7252 Shorewood Police 332-0595 Support Networks Teen Link (Various Topics) (800) 235-9678 Financial Services Crisis Pregnancy Center (800) 395-4357 Automatic Teller Information ATM Locator (800) 248-4286 Services MasterCrd ATM (800) 424-7787 Directory Assistance 411 VISA Plus System (800) 843-7587 AIDS Resource Center 273-AIDS Lost or Stolen Credit Cards Alcohol & Drug Help/Treatment Help Line (800) 234-0420 American Express (800) 233-5432 Child Protective Services (800) 797-3260 AT&T Universal Card (800) 423-4343 (report abuse and neglect) Diners Club (800) 234-6377 Crisis Pregnancy Center (800) 395-4357 Discover Card (800) 347-2683 Crisis Response (888) 820-6333 JCB (800) 736-8111 Friends of Battered Women and Their Children (800) 603-HELP MasterCard (800) 826-2181 Domestic Violence Unit Hotline 933-2722 VISA (800) 336-8472 National Child Abuse Hotline (800) 252-2873 Lost or Stolen Travelers Checks National Crisis Hotline (800) 999-9999 American Express (800) 221-7282 National Runaway Switchboard (800) 621-4000 Thomas Cook MasterCard (800) 223-7373 24-hour hotline to link runaways to social service agencies Travelers Check Customer Service (800) 645-6556 or to their families. Confidential. VISA (800) 227-6811 National Suicide Hotline (800) 333-4444 Government Numbers National Sexually Transmitted Disease Hotline (800) 227-8922 Internal Revenue Service (800) 829-1040 Norris Health Center 229-4716 Milwaukee District Attorney’s Rape Crisis Center (888) 820-6333 Sexual Assault Counseling Unit 278-4617 Residence Hall (professional staff) 229-6589 Social Security Administration (800) 772-1213 Sexual Assault Treatment Center 937-5555 Suicide Helpline 271-3123 Motor Vehicles Teen Link (Various Topics) (800) 235-9678 All motor vehicles must be registered with the State of Wisconsin. Teen Health InfoLine (800) 998-3600 Applications for a certificate of title and registration may be obtained Women’s 24 hour Crisis Line 937-5463 by calling the WISDOT Information Center at (414) 266-1000, or by Women’s Resource Center 229-2852 visiting one of the local DMV offices or emission testing stations in the metropolitan area. The application, fees and out-of-state-title to continued on page 14 your vehicle may be mailed to the Wisconsin Department of Transportation (WISDOT) P.O. Box 7949, Madison, WI 53707, or you may visit one of the local DMV offices in the metropolitan area to have your application processed for an additional $5.00 service fee.

Milwaukee Information Guide [ 13 IMPORTANT PHONE NUMBERS

Shipping & Postal Services Utilities Airborne Express (800) 247-2676 Utility connections can take one week to one month to complete DHL Airways (800) 225-5345 from the time you place the order. As a result, arrangements for Emery Worldwide (800) 443-6379 utility connections should be made well in advance of your move. Federal Express (800) 463-3339 Electricity UPS (800) 742-5877 Wisconsin Electric 221-3333 Wisconsin Electric - Wisconsin Gas (800) 242-9137, 221-2345 Gas Wisconsin Gas, a Wicor Company 385-3500, (800) 242-4035 Wisconsin Electric - Wisconsin Gas (800) 242-9137, 221-2345 Telephone SBC (800) 924-1000 TDS Telcom (262) 539-2115

WEATHER

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Average High 30.1 40.4 52.9 52.9 64.3 75.9 79.9 77.8 70.6 58.7 44.7 31.2

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

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

Temperature in degrees F, precipitation in inches

14 ] Milwaukee Information Guide TRAVEL INFORMATION

Airport Egypt Air, egyptair.com.eg (800) 334-6787 General Mitchell International Airport 747-5300 El Al, elal.co.il (800) 223-6700 5300 South Howell Ave. Eurofly, eurofly.it (800) 477-6492 [email protected] Eva Airways, evaair.com (800) 695-1188 General Mitchell International Airport (MKE) is a medium-hub Japan Airlines, jal.co.jp/en (800) 525-3663 airport owned and operated by Milwaukee County. Mitchell’s 14 KLM Airlines, klm.com (800) 374-7747 airlines offer roughly 220 daily departures (plus 220 daily arrivals). Korean Air, koreanair.com (800) 438-5000 Approximately 90 cities are served nonstop or direct from Mitchell LACSA, centralamerica.com/cr/lacsa/lacsa (800) 225-2272 International. It is the largest airport in Wisconsin. Please note that LOT Polish, lot.com (800) 223-0593 the airport’s terminal building is open 24 hours per day, however, Lufthansa, lufthansa.com (800) 645-3880 airline ticket counters are not open 24 hours. Mexicana, mexicana.com (800) 531-7821 Airlines - Domestic Philippine Airlines, philippineairlines.com (800) 435-9725 AirTran Airlines, airtran.com (800) 247-8726 Quantas, qantas.com (800) 227-4500 Alaska Airlines/Horizon Air, alaskaair.com (800) 252-7522 Singapore Airlines, singaporeair.com (800) 742-3333 Allegiant Air, allegiantair.com (800) 432-3810 Skyservice USA, skyserviceairlines.com (877) 485-6060 American Airlines, aa.com* (800) 433-7300 Swissai, swiss.com (800) 221-4750 Atlantic Southeast, flyasa.com (800) 282-3424 TACA, taca.com (800) 535-8780 Comair, comair.com (800) 221-1212 USA 3000 Y Airlines, usa3000.com* (800) 872-3000 Continental Airlines, continental.com* (800) 525-0280 *Airlines Service Provided Delta Airlines, delta.com* (800) 221-1212 Buses Frontier Airlines, frontierairlines.com (800) 432-1359 Badger Coaches (414) 276-7490 Hawaiian Airlines, hawaiianair.com (800) 367-5320 Serving Johnson Creek and Madison JetBlue Airlines, JetBlue.com (800) 538-2583 Public Transit (414) 344-6711 Midwest Airlines, midwestairlines.com (800) 452-2022 Serving Milwaukee County (MCTS Route 80 serves the airport) Northwest Airlines, nwa.com* (800) 225-2525 Coach USA, wisconsincoach.com (262) 542-8861 SkywestAirlines, skywest.com (800) 453-9417 Southwest Airlines, southwest.com (800) 435-9792 Serving Milwaukee, Waukesha, Racine, and Kenosha Counties, Spirit Airlines, spiritair.com (800) 772-7117 O’Hare and Midway airports SunCountry Airlines, suncountry.com (800) 359-6786 Cruises/Resorts United Airlines, ual.com* (800) 864-8331 Disney World Reservations (800) 227-1500 US Airways, usairways.com* (800) 428-4322 Holland America Cruises (800) 426-0327 Virgin Atlantic, virgin-atlantic.com (800) 862-8621 Princess Cruises (800) 774-6237 *Airlines Service Provided Royal Caribbean International (800) 327-6700

Airlines - International Hotels/Motels Aer Lingus, aerlingus.ie (866) 886 8844 Best Western (800) 528-1234 Aeroflot, aeroflot.aero/eng (650) 615-9278 Budgetel Inns (800) 428-3438 Aeromexico, AeroMexico.com (800) 237-6639 Clarion Hotels (800) 424-6423 Aerolineas Argentina, aerolineas.com.ar (800) 333-0276 Comfort Inns (800) 424-6423 Air Canada, aircanada.ca* (800) 247-2262 Courtyard by Marriott (800) 321-2211 Air China, airchina.com (800 )986-1985 Days Inn (800) 329-7466 Air France, airfrance.com (800) 237-2747 Doubletree Hotels (800) 222-8733 Air India, airindia.com Econo Lodges (800) 446-4777 Air Jamaica, airjamaica.com (800) 523-5585 Embassy Suites (800) 362-2779 Air New Zealand, airnewzealand.com (800) 262-1234 Fairmont Hotels (800) 527-4727 Alitalia, alitaliausa.com (800) 223-5730 Four Seasons (800) 332-3442 Asiana, us.flyasiana.com (800) 227-9262 Hilton Hotels (800) 445-8667 British Airways, british-airways.com (800) 247-9297 Holiday Inns (800) 465-4329 Cathay Pacific Airways, cathaypacific.com (800) 233-2742 Howard Johnson Motor Lodges (800) 654-2000 China Airlines, china-airlines.com (800) 227-5118 Hyatt Hotels (800) 233-1234 China Eastern Airlines, flychinaeastern.com (800) 200-5118 La Quinta Motor Inn (800) 531-5900

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Milwaukee Information Guide [ 15 TRAVEL INFORMATION

Loews Hotels (800) 223-6397 Rental Cars Marriott Hotels (800) 228-9290 The following car rentals companies are located at the airport. Meridien Hotels (800) 543-4390 Advantage, advantage.com (800) 777-5500 Omni International (800) 843-6664 Alamo, alamo.com (800) 468-5266 Quality Inns (800) 228-5151 Avis, avis.com (800) 331-1212 Radisson Hotels International (800) 333-3333 Budget, budget.com (800) 527-0700 Ramada Inns (800) 228-2828 Eneteprise, eneteprise.com (800) 468-5266 Red Roof Inns (800) 843-7663 E-Z, e-zrentacar.com (972) 574-3360 Ritz Carlton Hotels (800) 241-3333 Fox/Payless, foxrentacar.com (800) 225-4369 Sheraton Hotels (800) 325-3535 Hertz, hertz.com (800) 654-3131 Stouffer Hotels (800) 468-3571 National, nationalcar.com (800) 227-7368 Super 8 Motels (800) 800-8000 Thrifty, thrifty.com (800) 367-2277 TraveLodge Motels (800) 578-7878 Westin Hotels (800) 228-3000 Shuttle Service Milwaukee County Shuttle Service (800) 236-5450 Inter-City Transportation Shuttle operators provide scheduled service to downtown hotels Amtrak, www.amtrak.com (800) 872-7245 (USA-RAIL) and business locations. America’s national passenger railroad system. Tickets may be purchased in person at any Amtrak station. Airport Connection (800) 236-5450 Milwaukee Greyhound Bus (800) 231-2222 (920) 452-5452 Sheboygan Service from City to numerous locations throughout the United Provides door-to-door airport service to hotels and all other States. locations in Milwaukee County America’s national passenger railroad system. Tickets may be purchased in person at any Amtrak station. Greyhound Bus (800) 231-2222 Service from City to numerous locations throughout the United States.

16 ] Milwaukee Information Guide CULTURAL ATTRACTIONS

A multitude of exciting attractions await the eager visitor. From a Amphitheater, which is located at the Henry W. Maier Festival Park. world-renowned zoo, to the many museums, mansions, breweries, The Broadway Theatre Center is the home of the Skylight Opera, gardens and parks, there is something for every age and interest to the Milwaukee Chamber Theatre and Theatre X. Those who want to experience. Check out the many options that are available test their luck - or their bingo skills - will want to head toward throughout the Greater Milwaukee area. Potawatomi Bingo Casino, which is located just west of Experience Milwaukee’s performing arts from ballet and opera to Milwaukee’s downtown. Broadway theater and African dance. Catch a performance at the The metropolitan area offers a variety of opportunities to enjoy the new Milwaukee Theatre. Milwaukee is a cornucopia of events and outdoors. Sparkling lakes, quiet woodland areas and prairie vistas attractions. From the Milwaukee Art Museum, recently named one can be found throughout Waukesha, Ozaukee and Washington of three “New American Beauties,” by People magazine, and the counties. Even Milwaukee County, which is the most populous William F. Eisner Museum of Advertising and Design, the only county in the state, has approximately 15,000 acres of parkland. museum of its kind in the country, to Potawatomi Bingo Casino and There are 134 tennis courts, 20 swimming pools and 17 public golf dinner at one of Milwaukee’s palate pleasing restaurants — the courses, including the county’s Brown Deer Park course, which has Genuine American City has something for everyone this fall! been ranked as one of the five best public courses in the nation by The Milwaukee Art Museum is home to more than 25,000 works Golf Digest magazine. It is also the home of the Greater Milwaukee of art, including masterpieces by Rembrandt, Durer, Picasso and Open, which attracts more than 100,000 spectators and some of Warhol. The museum recently completed a stunning lakefront the best talent on the PGA circuit. addition that increases the museum’s exhibition space by 25 Boating and fishing are also major activities, both on Lake percent and adds a dramatic glass-and-steel architectural signature Michigan and on many of the beautiful inland lakes in the area. to the lakefront. Charter boat captains are always eager to take people out into the A tradition of excellence in exhibits, education, collections and “local ocean” to land perch, steelhead, coho or chinook salmon, or research has been the hallmark of the Milwaukee Public Museum to get a mermaid’s perspective of the Wisconsin shoreline. since it was established in 1882. Permanent exhibits include multi- Sailing is also very popular. The South Shore Yacht Club’s annual level displays of dinosaurs, North American Indians, a tropical rain Queen’s Cup Race attracts more than 240 yachts per year for the forest and 19th Century Milwaukee. Wisconsin-to-Michigan race. Sailboats, jet skis and windsurfing Milwaukee’s Kho-Thi Dance Company, Theatre X and Present equipment can be rented at the McKinley Park Marina, and the Music have earned international reputations for innovation and Milwaukee Community Sailing Center has a fleet of boats that it excellence. makes available to qualified members. The Milwaukee area has several museums designed specifically Betty Brinn Children’s Museum (414) 390-KIDS (5437) for children and young adults, including the Betty Brinn Children 929 E. Wisconsin Ave. Museum, which has many hands-on exhibits for children ages 1 Milwaukee, WI 53202 through 10; and Discovery World, a science and technology www.bbcmkids.org museum designed for young adults. Boerner Botanical Gardens 525-5600 9400 Boerner Drive The Milwaukee County Zoo is one of the top zoological parks in Hales Corners, WI 53130 the country. The 200-acre park is known for its open concept, www.boernerbotanicalgardens.org which simulates the animals’ natural environments by using moats Discovery World Museum (414) 765-9966 to separate predators from their prey. Its Aquatic & Reptile Center The James Lovell Museum of Science, Economics, includes sharks, octopus and alligators, as well as 220 fish from and Technology Wisconsin lakes. 815 N. James Lovell Street www.discoveryworld.org Plant enthusiasts will want to explore the Mitchell Park E-Mail: [email protected] Horticultural Conservatory. Known locally as “The Domes,” the First Stage Children’s Theater (414) 267-2929 facility consists of three 85-foot domes. One contains a desert 325 W. Walnut Street environment, another houses tropical plants and the third features Milwaukee, WI 53212 changing displays. www.firststage.org The Milwaukee Center Theater District is home to the Milwaukee Historic Third Ward Association (414) 273-1173 Repertory Theater, which operates three venues: the Quadracci 219 N. Milwaukee Street Powerhouse, Steimke Theater and the Stackner Cabaret. The www.historicthirdward.org E-Mail: [email protected] district also includes the Pabst Theater, a national historic landmark that provides musical and theatrical entertainment in an elegant setting. The Marcus Center for the Performing Arts offers several continued on page 18 venues for performing artists, including the 2,300-seat Uihlein Hall. Large shows are held at the or the outdoor Marcus

Milwaukee Information Guide [ 17 CULTURAL ATTRACTIONS

House of Harley-Davidson / Buell (877) 518-4643, 282-2211 Milwaukee Symphony Orchestra Box Office: (414) 291-7605 6221 W. Layton Avenue 700 North Water Street, Suite 700 Greenfield, WI 53220 Milwaukee, WI 53202 www.houseofharley.com Main Office: (414) 291-6010 E-Mail: [email protected] www.milwaukeesymphony.org Milwaukee Art Museum (414) 224-3200 Milwaukee Theatre (414) 908.6000 700 N. Art Museum Drive Wisconsin Center District www.mam.org 400 W. Wisconsin Ave. E-Mail: [email protected] Milwaukee, WI 53203 Milwaukee Ballet Company (414) 643-7677 www.milwaukeetheatre.com 504 West National Avenue The Northwestern Mutual Life Gallery (414) 410-4100 Milwaukee, Wisconsin 53204 Cardinal Stritch University For tickets, (414) 902-2103 6801 N. Yates Road www.milwaukeeballet.org www.stritch.edu Milwaukee County Zoological Gardens (414) 771-5500 E-Mail: [email protected] 10001 West Blue Mound Road Pabst Theater (800) 511-1552 Milwaukee, WI 53226 144 E. Wells Street www.milwaukeezoo.org Milwaukee, Wisconsin Milwaukee Public Museum www.pabsttheater.org 800 West Wells Street Villa Terrace Decorative Arts Museum (414) 271-3656 Milwaukee, WI 53233 2220 N. Terrace Avenue www.mpm.edu www.cavtmuseums.org Milwaukee Repertory Theater (414) 224-1761 108 East Wells St Milwaukee, WI 53202 Tickets (414) 224-9490 www.milwaukeerep.com

SPORTS & RECREATION

Sports enthusiasts will find the Genuine American City to be a Milwaukee Brewers Baseball Club (414) 902-4400 haven for spectator sports. From professional basketball to amateur Miller Park baseball, sports fans have something to cheer about. One Brewers Way www.milwaukeebrewers.com Dairyland Greyhound Park (800) 233-3357, (262) 657-8200 Milwaukee Bucks (414) 227-0500 5522 104th Avenue 1001 N. Fourth Street Kenosha, WI 53144-7450 www.bucks.com www.dairylandgreyhoundpark.com E-Mail: [email protected] E-Mail: [email protected] Milwaukee Wave - Indoor Soccer (414) 224-WAVE Elkhart Lake’s Road America U.S. Cellular Arena N7390 Highway 67 400 W. Kilbourn Avenue P. O. Box P Milwaukee, WI 53203 Elkhart Lake, WI 53020 www.milwaukeewave.com (800) 365-7223, (920) 892-4576 www.roadamerica.com E-Mail: [email protected] Milwaukee Admirals (414) 227-0550 or (800) 927-6630 1001 N. 4th Street Milwaukee, WI 53203 www.milwaukeeadmirals.com

18 ] Milwaukee Information Guide MEDIA

Television Stations AM Radio Stations Ch 4 WTMJ NBC 540 WRRD Leased Religion Ch 6 WITI FOX 620 WTMJ News/Talk Ch 10 WMVS PBS 860 WNOV Urban/Urban Gospel Ch 12 WISN ABC 920 WOKY Adult Standards Ch 18 WVTV CW 1050 WLIP Adult Standards Ch 24 WCGV MyTv 1130 WISN News/Talk Ch 30 WVCY Religious 1250 WEMP Leased Religion/Ethnic Ch 36 WMVT PBS 1290 WMCS Urban AC Ch 41 WMLW-LP IND 1340 WJYI Contemp. Christian/Leased Rel. Ch 49 WJJA Shop At Home 1400 WRJN News/Talk Ch 52 WWRS TBN 1430 WBEV News/Talk/AC Ch 55 WPXE i 1460 WBJX Regional Mexican Ch 58 WDJT CBS 1510 WAUK Sports Ch 63 W63CU Telemundo 1540 WTKM Polka/Farm 1550 WZRK Catholic 1560 WGLB Urban Gospel 1580 WTTN News/Talk 1640 WKSH Children's CHR/Radio Disney

FM Radio Stations 88.1 WMWK Religious 88.9 WYMS Jazz 89.7 WUWM Public Radio 90.7 WHAD Public Radio 91.1 WGTD Classical/Public Radio 92.1 WEZY Soft AC 92.5 WBWI Pure Country 93.3 WJZI Soft Jazz 94.5 WKTI Hot AC 95.1 WIIL Classic/Active 95.7 WRIT Oldies 96.1 WLKG Hot AC/CHR/70's/80's 96.5 WKLH Classic Hits 96.9 WWDV Classic Hits 97.3 WLTQ Soft AC 98.3 WJMR Urban AC 99.1 WMYX Hot AC 100.7 WKKV Urban 102.1 WLUM Alternative 102.9 WLZR Active Rock 103.7 WXSS CHR/Rhythmic Wannabe 104.7 WEXT Country 105.3 WFZH Contemporary Christian 106.1 WMIL Country 107.7 WVCY Religious

Milwaukee Information Guide [ 19 The perfect place for a tryst Dozens of designer shops and nightlife so hot it’ll make you blush. tailored to one lifestyle. Yours. A casino designed to excite the senses.

CASINO MEETINGS GOLF WEDDINGS NIGHTLIFE ENTERTAINMNMENT SHOPPING RESORT ROOMS

wynnlasvegas.com To speak with a reservation agend please call toll-free 1.877.321.9966

20 ] Milwaukee Information Guide A casino that defies Endless energy. convention. Yours.

tailored to one lifestyle. Tower suites offer the comfort you expect from a Wynn signature resort. Dozons of designer shops encorelasvegas.com

To speak with a reservation agent please call toll-free 1.888.320.7125 Milwaukee Information Guide [ 21 22 ] Milwaukee 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 24

Milwaukee Information Guide [ 23 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 individually boxed and cushioned. your new home. Photocopy it so you can tack up copies in • You should not remove home fixtures such as window treatment every room 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 crackers, peanut butter, dried fruit. This way, there will be some • Stay positive. Getting settled into your new home can seem instant sustenance while you get organized. overwhelming unless you look at it as a series of small projects. • 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

24 ] Milwaukee Information Guide 12/31/10. 26 ] Milwaukee 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.

Milwaukee Information Guide [ 27 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.

28 ] Milwaukee 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.

Milwaukee Information Guide [ 29 RELOCATING YOUR PET

Your coffee is finally brewing after what seemed like an endless Guide. Location is an important factor, as many pets don’t travel search through the boxes left by the moving company. The disk well and, in the case of emergency, distance may be a factor in jockey on the radio reads the weather forecast and you learn that it receiving timely treatment. is -5 degrees outside with an expected high of 0. Welcome to your After making a list of local veterinary clinics, take the time to go new city, but at least your company gave you a nice raise for visit them. Talk to the staff. Ask about office hours, fees, whether relocating. appointments are required, and what services are available. Also, Just as you start thinking that everything is proceeding smoothly ask if it is possible to talk to the doctor so that you can introduce and that your new city really does have a lot to offer, you realize yourself and at least have a first impression to help you make your Prince, your four-year old Great Dane, isn’t acting right. Now what? choice. Is he really sick? Homesick? What’s worse is that you don’t know Finally, ask your neighbors which veterinarians they take their where the closest veterinarian is located and, of course, he or she pets to and why. Then, of course, it’s your decision, but at least you can’t be as good as Dr. Morris…and Prince just loved Dr. Morris. have gathered some information on which to base your decision. Farfetched? Not really. Pets are probably most overlooked when All dogs should be vaccinated for the possibly fatal disease it comes to relocating. Most people just expect their pets to wake Parvovirus. up completely adapted to their new surroundings as if nothing Remember to NEVER leave your pet in a car in hot weather, as changed. Although this is true for many pets, just as many find heat conditions in cars can quickly become fatal to animals. 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

30 ] Milwaukee Information Guide MOVING WITH CHILDREN

REINFORCE THE POSITIVES

et 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 Geveryone 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 32

Milwaukee Information Guide [ 31 REINFORCE THE POSITIVES

For high school, parents often choose a new school for their set of expectations for the youngsters. Admissions directors at children. This is frequently because their current school goes only schools will gladly connect you with parents of current students so through eight grade. As you look for a high school, consider your you can make an informed choice for your child. child’s learning style as well as his or her interests when deciding Most schools believe parents should have a strong role in their upon a school. Also keep in mind your own family goals, which may children’s education. Being involved in a child’s education involve preparing for college, in making this important choice. strengthens the whole family and sends a message to children that What about family expectations? In order to provide a good education is an important part of their lives. Schools know that the match, a child’s school must also meet a family’s needs. Here again, way in which parents choose to become active in their children’s you may want to prepare a list of expectations and use it as a guide schools varies greatly. They provide many different opportunities for in the search for the best school for your child: parental involvement. Most schools have strong parent associations that organize social events, help coordinate volunteer activitied, and • What goal do you have for your child’s long-term education? Is provide an organizes means of communication between parents college preparation a priority? and school. • How important to you is parental involvement in school activities? Each of these encounters strengthens the life of the schools and • Do you expect the school to have a role in developing a child’s creates a community of committed adults supporting the goals of character by encouraging respect for adults and peers as well as the schools and the students. This feeling of community, with adults others in society, including the disadvantaged? and students working together for a common purpose, is one of the • How important is it to you that you have a strong relationship and distinguishing strengths of a good schools.Wisconsin students are share a philosophy with other parents at the school? among the brightest in the nation. Their scores rank among the • How interested are you in providing a home setting that gives highest on knowledge and concept examinations given in grades your child time for homework? four, six, eight, and 10. In 2001, Wisconsin high school seniors • How important to you is a before-school and after-school received an average score of 22.2 on the ACT college preparatory program? examination, the highest score among states where the ACT is the Before beginning a search for a school, parents should reflect on primary college admission test. The score is also above the national these questions, and their expectations for schools. Parents who average of 21.0. choose schools wisely are pleased after their children enroll Some of Greater Milwaukee's public schools do not have web because the family and the school work in harmony with a common sites yet. The Wisconsin Public School District Directory contains basic information from each of the state's 426 public school districts and 2R Charter Schools. Information includes district name, superintendent, address, phone and fax numbers. When there is a post office box and street address, both addresses are given separated by a blank line. This data is updated bi-weekly. www.dpi.state.wi.us (414) 475-8393 5225 West Vliet Street Milwaukee, Wisconsin 53208 mpsportal.milwaukee.k12.wi.us Milwaukee Public Schools (MPS) is the largest school district in the state of Wisconsin. As of 2006, it has an enrollment of 95,600 students and employs 6,100 full-time and substitute teachers in 223 schools. Milwaukee Public Schools operate as magnet schools, with individualized specialty areas for interests in academics, or the arts. New students may enroll for the current school year at their neighborhood school, or call (414) 475-8448 for information. Racine Unified School District (262) 635-5600 2220 Northwestern Ave. Racine, WI 53404 www.racine.K12.wi.us The Racine Unified School District serves 21,500 students who live in the eastern half of Racine County. The district, which includes city, suburban, and rural elements, is located in southeastern Wisconsin, just 30 minutes south of Milwaukee. The 33 schools provide excellent educational opportunities for all students. 32 ] Milwaukee Information Guide SELECTING CHILD CARE

When you’re new to a community, locating a person or program Before/After School Programs to provide child care for you is not the easiest of tasks. Due to These programs give children additional time and opportunity to expanding demand, just finding an opening may be difficult. engage in hands-on enrichment activities in reading, science, math, Pinpointing a place that is not too far or too expensive and, most art, drama, and specific “safety” topics that include conflict importantly, a provider whom you trust, may take days or weeks of resolution and drug abuse. Most programs offer homework persistent phoning and visits. assistance and some offer tutoring. Most also provide supervised As a parent, it is your responsibility to ensure that your child is physical activity and healthy snacks, or even dinner. School age safe and happy in a child care environment that is fun, educational, programs are often provided through local schools, child care and nurturing. You will need to consider many questions. But you centers, churches, or youth-oriented community organizations. are not alone — an increasing number of parents rely on quality Quality features include opportunities for children to make individual child care so that they may work. About 70% of parents place their and group choices about activities, opportunity to improve young children in some type of daily care. Knowing in advance that academic skills, spaces for children to relax and rest, well this is not an overnight process makes it a bit less overwhelming. supervised spaces where they can be active, nutritious snacks, and parental involvement. Types of Child Care You might like the home-like feel of a family child care home, or Choosing Child Care maybe you want your child to have opportunity to socialize with In addition to the forms of child care, you want to take into peers in a larger child care center. You might be looking for after account the following factors: school care for your child, a summer camp experience or a program • Age and personality of your child. that can accommodate his or her special needs. It will help you in • Child care needs of all the children in your family. your search to learn more about each type of child care setting. • Location of your workplace, home and child care facility. In Home • Hours you need child care. Some parents may prefer the one-on-one contact an in-home • What you can afford. care provider can offer, especially for an infant. The International Nanny Association (INA) recommends that you interview any When you begin your search, start with the telephone. Plan to prospective hire at least twice and that you conduct a criminal spend a few minutes with each call. Describe your needs and ask background check, which is usually done by most placement about the program, staff, location, other children in care, and what agencies. is included in the cost. Make an appointment and visit the center, school or home, and plan on spending at least an hour at each One key to good child care is whether the caregiver can adapt to place. Visit once to observe the children in care and at another time the needs of each child and family. Not all children of the same age outside of regular structured hours to spend time with provider or are at the same level of development; each child has unique director. character traits. A good caregiver understands these personal and developmental differences and creates a program to meet each In any group center, health, safety, and hygiene must be given child’s needs. priority in all settings. All children and staff members should have current immunizations; staff should have clear criminal background Center-Based Care checks. The facility must be child-proof and all staff members The most popular type because there are so many options for should wear disposable gloves when changing diapers. Toys should children of all ages. You take your child to a place that is organized be disinfected on a regular basis and frequent hand washing should and staffed specifically to care for a group or groups of children. be promoted among the staff and children to minimize the spread Some types include day care centers, preschool programs, of infection. before/after school programs. Day Care Center Preparing Your Child for Child Care If you’re considering a day care center or another group setting, Most young infants, up to seven months, adapt to caring adults you should spend some time observing the center and talking to and seldom have problems adjusting to good child care. Older parents with children in the center. You should also expect that your infants may be upset when left with strangers. They may feel child will be assigned to the same caregiver to promote a sense of separation anxiety, which is a normal part of development for some security and consistency. Inquire about the rate of staff resignations; children. They will need extra time and your support to “get to low staff turnover minimizes the need for young children to know” the caregiver. Some children show changes in behavior repeatedly adjust to new caregivers. when they start child care. Toddlers may cry, pout, refuse to go to Preschool Programs or act angry in other ways. Preschoolers may regress and behave Preschool programs are offered through Head Start, child care like a younger child. They may be more wakeful at night. This centers or local public and private schools. They can be offered as behavior usually goes away after a few days or weeks in high-quality a half-day program for three or four days a week or they can be part child care, just be sure to monitor. of a full day program at a child care center. continued on page 34

Milwaukee Information Guide [ 33 SELECTING CHILD CARE

You may help your child adjust to a new child care arrangement. caregiver or ask your pediatrician for advice. Parents need to help Arrange a visit with in-home caregivers while you are at home or the caregivers and the child deal with any changes in the child's when you need child care for a short time. Visit the center or family routine at home or child care. High-quality child care helps children child care home that you have chosen with your child before grow in every way and promotes their physical, social and mental beginning care. Show your child that you like and trust the caregiver. development. It offers support to working parents. Your pediatrician Some children like to carry a reminder of home when they go to wants your child to grow and develop with enjoyment in a setting child care. A family photograph or small toy can be helpful. Talking that supports you as a parent. to your child about child care and the caregiver is helpful. Being In the final analysis, locating a child care provider with whom you prepared makes any new experience easier for children. There also are confident is well worth the searching. Why? Your child benefits are storybooks about child care that you and your child can read greatly from such an arrangement, meeting and interacting with together. (Check with your local library, another great outing for a other children and adults. The child learns and grows from parent and child) experience, often times a major step in establishing independence After a child has been in child care, a sudden change in and becoming his or her “own person.” And you feel more at ease caregivers may be upsetting. This can happen even if the new leaving them.For more information you may want to visit the caregiver is kind and competent. If you are concerned about your following website: American Academy of Pediatrics, www.aap.org child's feelings, you may want to arrange a meeting with the

HIGHER EDUCATION - WHERE TO GO?

A List to Consider When Making Decisions About College estimated cost of attendance (tuition, room and board, books, Admissions experts from Baruch College, a senior college in the transportation, student fees) for each school at which your child City University of New York, offer some tips to help parents cope is accepted into your family’s budget. This will provide you with with the stress of guiding their child through that all-important a better long-term financial plan. And don’t forget about question: Where should I go to college? graduate school, if that is in your child’s plans; it’ll be upon you both before you know it. Academics 5. Explore all avenues of financing. Don’t count solely on the 1. Remember why your child is going to college in the first place. college’s financial aid award for help. Learn about scholarships Now is the time for your child to reflect on what she truly wants. being offered by local businesses, community organizations, and Compare her preferences and ambitions to the resources that employers; your family could qualify for additional aid monies. each school offers. Consider each school’s academics, study abroad programs, student life, extracurricular activities, career 6. Get to know your school’s financial aid team. Most financial aid services, internship programs, etc., and ask how it will further departments offer free workshops on how to plan for the cost of your child’s educational and career goals. Reassure your child attending college. Take advantage of such sessions, and don’t that it’s okay to be uncertain about her career ambitions but, if be bashful; ask as many questions as occur to you. Now is the she is, a college with flexible academic programs and multiple best time to consider all your options. options is probably a good bet. Campus and Residential Life 2. What happens to people who graduate from this school? Look 7. What’s new at school? It’s been several months since you and into what most of the graduates of the schools your child likes your child did all that college research. Go back on the colleges’ wind up doing. If your child is interested in the fine arts, and the websites and see what’s up! Schools may be offering new majority of students at a particular school end up working in the programs, hosting unique events on campus, renovating financial industry, it should give you both pause. facilities, or announcing new faculty appointments— any of 3. The downside of high school success. Sometimes, even a top- which could affect your child’s decision. performing high school student is surprised by the rigorous 8. Finding the right fit. Every school has a personality; you don’t demands of college courses and professors. Even if your child want to spend thousands of dollars on one that clashes with was accepted at the school of his dreams, he needs to your child’s. Visit the campus again—or for the first time if you understand that he’s starting all over once he gets to college; his haven’t been yet! Encourage your child to attend an accepted sterling SAT score won’t matter if he skips class or studying. student reception; sit in on a class; go to a sporting event; and Have an honest conversation with your child about the level of talk to current students—without you hovering in the commitment required at the schools he likes and make sure he’s background! Students will speak candidly to each other about prepared for it. It’s (Almost) All About the Money real-life college issues like the social scene, academic 4. Factor college tuition into family budgeting. Try plugging the pressures, and drinking on campus— all things your child should be aware of in advance.

34 ] Milwaukee Information Guide HIGHER EDUCATION - WHERE TO GO?

9. Safety first. Let’s face it: sending your child off to college is scary Coping enough without worrying about crime. Take note of a school’s 10. Breathe deeply and stay calm. Make clear to your child that you location and ask college officials about security: Is there a 24- are available to talk things through, weigh the pros and cons, ask hour security team? What kind of campus alert systems are in questions, and visit campuses with her but that, ultimately, the place? What are the crime statistics for the area? What security decision about where to go to college must be her’s. It’s hard to precautions exist in the residence halls? While you’re asking hand over the keys to her future, but when you watch her receive questions, explore the college’s mental health and counseling her diploma, you’ll realize it was well worth it. services—college can be stressful for kids as well as parents.

TYPES OF HIGHER EDUCATION

Liberal Arts Colleges experiences through classes, seminars, special events and Liberal arts colleges offer a broad base of courses in the educational tours and trips. humanities, social sciences, and sciences. Most are private and University of Wisconsin-Waukesha (262) 521-5200 focus mainly on undergraduate students. Classes tend to be small 1500 N. University Drive and personal attention is available. Waukesha, WI 53188 www.waukesha.uwc.edu Alverno College (800) 933-3401 UW-Waukesha is one of the 13 freshman/sophomore campuses 3400 South 43rd Street of the UW Colleges. It offers the best start on a bachelor's degree P.O. Box 343922 Milwaukee, WI 53234-3922 and unlimited career opportunities. Along with the lowest tuition in www.alverno.edu the UW system, small classes are offered both days and evenings Chartered in 1887, Alverno College is a four year, liberal arts, taught by professors who are approachable. A strong curriculum independent, Catholic college for women. The college also offers provides students with a solid foundation. The UW Guaranteed weekday and weekend undergraduate programs for women and Transfer Program ensures admission to the four-year UW campus men. of your choice. Founded in 1966, typically about 2000 students are enrolled each semester. Cardinal Stritch University - Liberal Arts College For Women 6801 N. Yates Road Marquette University (800) 222-6544 Milwaukee, WI 53217 P.O. Box 1881 (800) 347-8822, (414) 410-4000 Milwaukee, WI 53201-1881 Founded in 1937 by the Sisters of St. Francis of Assisi, Cardinal www.marquette.edu Stritch University is comprehensive and coeducational. Serve Founded in 1881 in Milwaukee, Wisconsin, Marquette University students of all faiths and ages in four colleges: College of Arts and has been providing educational excellence in the 450-year-old Sciences, College of Business, College of Education, and the Ruth Jesuit tradition. The Jesuit order of Catholic priests has embraced S. Coleman College of Nursing. the belief that true education should develop not only the intellect, but also moral and spiritual character. Marquette has grown into a Universities modern coed campus of more than 11,000 students who learn and Generally, a university is bigger than a college and offers more grow through nationally admired undergraduate, graduate and majors and research facilities. Class size often reflects institutional professional programs. size and some classes may be taught by graduate students. Medical College of Wisconsin (414) 456-8296 University of Wisconsin-Milwaukee (414) 229-1122 8701 Watertown Plank Road P.O. Box 413 Milwaukee, Wisconsin 53226 2200 E. Kenwood Blvd. www.mcw.edu Milwaukee, WI 53201-0413 Formerly affiliated with Marquette University, the Medical College www.uwm.edu of Wisconsin is a private, academic institution dedicated to At UW-Milwaukee, the community is an integral part of many of leadership and excellence in education, research patient care and our 152 different academic degree programs. Research and hands- service. on learning are intertwined. Anyone interested in earning a Milwaukee Area Technical College (414) 297-MATC bachelor’s, master’s or doctoral degree on a campus in a beautiful 700 West State Street neighborhood should consider the University of Wisconsin- Milwaukee WI 53233 Milwaukee. In addition to more than 28,000 university students, www.matc.edu UW-Milwaukee also expands the knowledge of area residents An MATC education offers outstanding value relative to four-year through its School of Continuing Education. With more than 35,000 colleges and universities. To keep higher education within financial annual participants, the school provides outstanding learning reach for as many people as possible.

Milwaukee Information Guide [ 35 TYPES OF HIGHER EDUCATION

Milwaukee Institute of Art and Design (414) 276-7889 Public colleges are usually less expensive, particularly for in-state 273 E. Erie St. residents. They get most of their money from the state or local Milwaukee, WI 53202 government. Private colleges rely on tuition, fees, endowments, and www.miad.edu other private sources. Private colleges are usually smaller and can MIAD is Wisconsin’s only full-time, accredited art school in the offer more personalized attention and often more prestige. state of Wisconsin. Milwaukee School of Engineering (800) 332-6763 Online Learning 1025 North Broadway Recent years have witnessed the rise of online degree programs, Milwaukee, WI 53202-3109 to allow the busy professional a chance to work at their own pace www.msoe.edu from the comfort of their home on the path to getting a degree. The MSOE is a private university located in downtown Milwaukee. costs to students are typically the same as for traditional classes— MSOE is best known for its challenging applications-oriented and financial aid is equally available—while the cost to the institution curriculum, close association with business and industry, and low can be much less. student-to-teacher ratios. There are online universities ranging from legitimate distance Community or Junior Colleges learning systems to fly-by-night degree-mills. It’s important to research a particular institution before deciding to enroll in their Community colleges exist for two major purposes. The first is to system. Generally, brick-and-mortar schools that also offer online serve as a bridge from high school to college by providing courses classes are the safest, though there are plenty of fully accredited for transfer toward a bachelor’s degree. Four out of 10 college- online universities out there. bound high-school graduates start their college education this way. Nearly 3 million students are believed to be taking online classes The second function of community colleges is to prepare at institutions of higher education in the United States this year. That students for the job market by offering entry-level career training as number has been growing about 25% a year. Now, virtually all well as courses for adult students who want to upgrade their skills public higher education institutions, as well as a vast majority of for the workplace. They often offer programs that are not available private, for-profit institutions, offer online classes. By contrast, only at four-year schools, like fashion design. about half of private, nonprofit schools offer them. Upper Division Online schools offer everything from Associate’s degrees to Upper-division schools offer the last two years of undergraduate Doctoral programs with available emphases in everything from study, usually in specialized programs leading to a bachelor’s Business Administration to Criminal Justice to Nursing. Some degree. You’d generally transfer to an upper-division college after programs require students to attend some campus classes or completing an associate degree or after finishing a second year of orientations, but many are delivered completely online. study at a four-year college. Online courses generally require a computer with a broadband connection, and are now a serious option for the busy professional. Public vs. Private

DEGREES AND CERTIFICATES

Certificate or Diploma Bachelor’s or Baccalaureate Degree These non-degree offerings generally lead to employment in an Complete a four- or five-year, full-time program of study (or its occupational field. For example, to enter fields such as computer part-time equivalent) at a college. The Bachelor of Arts (B.A.) and science or teaching, you may first have to get a certificate or Bachelor of Science (B.S.) are the most common. diploma. Combined Bachelor’s/Graduate Degree (or Joint Degree) Associate Degree Complete a bachelor’s degree and a master’s or first-professional You receive an associate of arts (AA) or associate of science (AS) degree in less than the usual amount of time. In most programs, degree after completing two years of study similar to the first two students apply to the graduate program during their first three years years of a four-year college. After earning an AA or an AS, you may of undergraduate study, and begin the graduate program in their transfer to a four-year college to complete the requirements for a fourth year of college. Successful completion results in awarding of bachelor’s degree. The associate of applied science (AAS) degree is both bachelor’s and graduate degrees. These are sometimes awarded on completion of technological or vocation programs of referred to as “4 +1” programs. study.

36 ] Milwaukee Information Guide DEGREES AND CERTIFICATES

Masters Degree Doctorates These signify more specialized training in a particular field. They These generally signify some significant research in the field, and are competed after the bachelor’s degree, usually over the course are an upper level degree. of 2 years for the full time student.

PAYING FOR SCHOOL

FAFSA www.fafsa.gov Need-based FAFSA, the Free Application for Federal Student Aid, is a form Need-based financial aid is awarded on the basis of the financial that must be filled out annually by university to determine their need of the student. The amount of need based aid is generally eligibility for federal financial aid (including grants, loans, and work- based off the criteria on the FAFSA. study programs). In addition, most states and schools use Loans information from the FAFSA to award non-federal aid. While included in the term “financial aid” Higher Education Loans differ from scholarships and grants in that they must be paid back. The FAFSA consists of numerous questions regarding the They come in several varieties in the United States student’s finances, as well as those of his or her family; these are entered into a formula that determines the Expected Family • Federal Student Loans made to students directly: No payments Contribution. The amount of the EFC can vary widely, depending on until after graduation, but amounts are quite limited a number of factors; for example, one such factor is whether a • Federal Student Loans made to parents: Much higher limit, but student has siblings in college at the time. payments start immediately The best place to look for help before you start filling out your • Private Student Loans made to students or parents: Higher limits FAFSA is at your school’s financial aid office. and no payments until after graduation. Other Sources FAFSA only scratches the surface of the money available to Getting Your MBA Part-time students for school. There are many state and private scholarships Getting your MBA may be imperative to you and your career. out there. The easiest way to find listings of what scholarships that More than 40% of all graduate students are working adults, so it is you may qualify for is by going to a scholarship database online and possible to balance the rest of your life with your desire to continue doing a search. Some handy sites for this are: your education. Lunch-money.com You’ll generally spend three to four hours a week with the Finaid.org instructor in a 3-credit class. It’s generally recommended that you Fastweb.com spend about 8 additional hours a week studying and preparing for Collegeboard.com the next classroom session, so 12-15 hrs a week total. It’s not recommended that you participate in any website that So where are you going to find an extra 15 hrs a week? It helps asks you to pay a fee to search for a scholarship; there are many to journal how you do spend your time during the week, and then wonderful free sites available. list priorities. Lower priority items, like watching TV, may take up Types of financial Aid more time than you realize, and can be shelved so you can continue your education. Financial aid may be classified into two types based on the criteria through which the financial aid is awarded: merit-based or Re-prioritizing your time is the most crucial step in ensuring you’ll need-based. have success on your path to your degree. Make sure you discuss Merit-based your goals with your boss, friends, and family, so they know what to Merit-scholarships are typically awarded for outstanding expect as you add this major commitment to your life. academic achievements, although some merit scholarships can also be awarded for special talents, leadership potential and other personal characteristics. Merit scholarships are sometimes awarded without regard for the financial need of the applicant. Athletic scholarships are a form of merit aid that takes athletic talent into account.

Milwaukee Information Guide [ 37 38 ] Milwaukee Information Guide 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 Oreo Cookies? Sunshine; in 1908 they introduced the Hydrox cookie, leading to speculation that Nabisco 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. got milk Oreo Cookie Cake Oreo Balls 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,

Milwaukee Information Guide [ 39 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 • Does the club offer a variety of leagues? If you want to compete will be to find a club that meets your needs. Or a new move may - is the club affiliated to the right leagues, and does it have teams bring the perfect time to implement those healthy lifestyle changes of the right standard for your competencies? that were on your New Year’s Resolution list for the past several • Does the club offer a variety of high-quality weight equipment? It years. should include free weights, such as barbells and dumbbells, and Begin your search before you move. Ask your current club for machine weights, you really need both to get a proper workout. recommendations or perhaps they even have reciprocity with a club • Does the club offer a sufficient number and variety of programs in your new location. If you belong to a national chain, chances are for you to achieve other goals (stress management, weight good that you will be able to transfer your membership. management, smoking cessation, social activities, etc.)? However if you do find yourself looking for a new club, use this • Are there long lines at the equipment, or crowded aerobics check list to help you find the place that will work best for you. classes, at the time that you would be using the club? When visiting a club use your own observations and question the • What are the real costs? Make sure you understand all rates, staff and current members. Be sure your new club will be able to charges and fees because these can vary widely, and many clubs meet your fitness, social, and safety needs. require contracts ranging from a few weeks to a year or more. Be • Is the club clean and well maintained, especially the locker rooms sure you’re entitled to use all facilities, such as pools and spas at and the shower areas? no extra charge. • Are staff members friendly and helpful? Make sure there is always • Is child care available if you need it? someone available to answer your questions, to show you a new • Is there adequate parking available if you need it? exercise, or how to use a piece of equipment. One way to find out whether a club is right for you is to try it out • Does the location for work for you? It’s best to select a club that’s for a few days. Some clubs offer a special guest pass for near where you live or work. prospective members. But even if you have to pay for a week to try • Do fitness staff members have appropriate educational it out, it’s better to spend the money than to make a long-term backgrounds and/or certification from nationally recognized commitment to a club that doesn’t work out. Try the club during the certifying agencies? hours you will normally be using it. It will give you a realistic idea of • Are new members provided with a club orientation and what the club environment while you are there. instruction on how to use equipment? It’s important to read health club contracts carefully. Don’t • What age group do you see while visiting? If you are in your 50’s, assume the club offers classes such as aerobics as part of the do you really want to work out with a group in their 20’s (and vice membership. While some do, others charge extra. If the health club versa)? Be sure to visit club at the time you will be normally using requires a long-term commitment, find out whether you’ll be able to the facilities. get a refund if you need to cancel your membership due to a job • Does the club have the cardiovascular resistance equipment you transfer, an injury or if you simply find that the club isn’t working for want and need to achieve your fitness goals? you. • Does the club offer sufficient number and variety of programs for It’s a fact that of every three people who join a health club, only you to achieve your fitness goals (aerobic, racquet sports, one will work out there 100 days a year. Find a club that you are basketball, etc.)? If classes or group activities help to motivate comfortable with and you will greatly increase your chances of you and the health club doesn’t offer the classes you need, being the one of three people that are there more than 100 days a sticking with your exercise program won’t be realistic. year. NewMarket Services wishes you good health.

40 ] Milwaukee Information Guide PHYSICAL AND MENTAL WELL BEING

Coping With Change Creatures of Habit Did you know that your body and mind sense change as stress? Psychologically, most of us are creatures of habit and quickly Whether you change the place you live or where you work, it all develop repetitive patterns that make us feel comfortable and adds up to stress. The more changes that come at one time, the secure. Ever notice that most people find the same seat or section more stress you experience. of the commuter train or bus? Drivers usually take the same route Self-Image every day. We do this in order to reduce stress. Your attitudes towards change often depend on your self image The sameness of established behavior develops a sense of and expectations of how difficult it may be. Your self image is the control over ourselves and surroundings. By seeking repetitive inner vision of who you are. It is the basis of your every thought, habits, we save our energy for new events that are either word and action. Moving, with the many changes it entails, offers an unpredictable or uncontrollable. When change removes the excellent opportunity to modify and/or improve your self image sameness from our lives, we attempt to relieve the tension through the risks of taking positive action. produced by uncertainty and newness. We look for ways to develop Some people welcome change as a challenge or an exciting new other familiar patterns. experience. Others may resent the inconvenience and extra effort they need to make to re-establish a comfortable routine. Still others feel overwhelmed by the unknown and are not sure where to go or to whom to turn. Often, stress causes old issues, defeats or concerns to resurface. Perhaps new worries and fears form unexpectedly, or you feel tired and fatigued most of the time. Decision making abilities are affected, and you seem to be having less fun and enjoyment. These are all telltale signs of stress brought on by change. When signs of stress affect you, it may be a time of emotional transition, indicating old behavior patterns are not as effective as they once were. This is often a good time for self-reflection-to look at what you like in yourself and what you do not like. Stress When you relocate to a new city, all categories of your life are changed. Along with the obvious changes listed above, moving to a new community requires finding new sources for familiar services. Finding a new hairdresser, barber, drugstore, food market, doctor, lawyer, cleaner and shoemaker are all necessary. You not only have to locate these services, but you need to determine if you are satisfied with the quality of the services provided. Forming a comfortable working relationship with the service provider adds more stress to the change itself. Perhaps your whole lifestyle changes if you are moving from a smaller or larger community. With long-distance moves, you will Management of Change have to make new friends and develop a different emotional support To manage change effectively, several simple steps will help you system. When these changes are not made through your own adjust to the newness and extra effort needed to establish different choices, but are the decisions of a boss or someone in your family, patterns in your life. then the stress is even greater. Children have to make changes because of their parents. They need special help and understanding • Organize your time so you can finish the tasks you have planned. getting settled in school and making new friends. Often, they will • Have realistic expectations. Do not plan to complete everything have difficulties as they adjust to the new surroundings. within the first few weeks. Changes produce stress not only within yourself, but also with • List your priorities and finish each one before you go on to the the people with whom you are close. It may cause you to react next. differently from your usual behavior. If you are in a relationship or • Provide your body with recreational time and time to relax. marriage, you may find more tension developing, with less patience • Trust your first impressions; they are most often right. or tolerance of the other person. If you live alone, not knowing Periods of change can offer you an opportunity for growth within where to go to make new friends can bring feelings of isolation and yourself. Professional consultation may be useful during this period. loneliness.

Milwaukee Information Guide [ 41 PHYSICAL AND MENTAL WELL BEING

Choosing a Primary Care Provider Guidelines to Narrow Your Choices One of the most important decisions that you will make in your • Insurance – With the risings costs of health care, be sure your relocation process is choosing a Primary Care Provider for you and insurance will be accepted. your family. Don’t put off the decision until you get sick. Your PCP • Professional credentials - any provider you consider should have will be responsible for approximately 90% of your health care. The graduated from an accredited medical school, and be sure relationship you develop with this health professional can be the key they’re board certified. to keeping illness at bay, and it is your best connection into the rest • Professional affiliations - Your provider should be affiliated with a of the medical system. Your PCP can help you seek appropriate large, well-equipped hospital, either as a staff member or as an consultations with specialists if or when the medical problem is attending physician, a title that carries with it admitting privileges. beyond the realm of his expertise. • Practice arrangements - You may choose a solo practitioner or a A generation ago, people relied on General Practitioners (GPs) for group practice, in which two or more doctors in the same all their medical needs, from treating colds, and backaches to specialty or different specialties share the same office. setting broken arms and delivering babies. The competent GP • Location and office hours - If these aren’t convenient, you may knew the medical histories of every member of a patient’s family have a difficult time making an appointment. because he treated them all. Today, Primary Care Providers are bringing this tradition back with the addition of providing preventive Make a Consultation Visit and Consider the Following health measures. More emphasis is now placed on preventive • Office is clean and the staff is courteous and helpful. medicine. You are now responsible for the health of you and your • You are seen by the doctor within a reasonable time of your family by making informed decisions, improving your diet and appointment or you are given a good explanation for any delay. exercising. A primary care provider (PCP) is a general practitioner • You are not rushed through the visit. The provider listens to you, who sees people of all ages for common medical problems. Your does not interrupt you and encourages you to voice your PCP is often involved in your care for a long time, so it is important concerns about your health. to select someone with whom you will work well. You will want to • The doctor is well-informed about preventive health measures, choose someone that emphasizes wellness and self-care by giving such as nutrition, exercise and the widely recommended use of you the information needed to make healthy lifestyle choices and screening tests. He should be quick to inform you of healthy health care decisions. lifestyle choices. Below are some guidelines to help you make your decision. • You’re comfortable talking to the doctor and the doctor explains Begin by Gathering Some Choices. things so that you can understand.

• Before you move ask your current health care provider for a Most importantly, don’t put off the decision until you get sick. If a referral. You can also ask other doctors you respect and see health care problem arises, and you have not yet chosen a provider, regularly. it is usually best to seek non-emergency care from an “urgent care • If you belong to a managed care plan, find out what doctors are center” rather than a hospital emergency room. This will often save affiliated with it. you time and money. However recent years, many emergency • Ask friends, relatives or business associates. Referrals from rooms have expanded their services to include reasonably priced people you know are usually based on trust and confidence in the urgent care within the emergency room itself or an adjoining area— provider. to find out, call the hospital first. • Hospitals usually offer a referral service that can provide you with the names of staff doctors who meet certain criteria you may be seeking, however they will not vouch for the quality of care.

42 ] Milwaukee 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

Milwaukee Information Guide [ 43 44 ] Milwaukee 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 46

Milwaukee Information Guide [ 45 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 property and landlord for shortcomings. It is easy for a prospective How is the noise level in the complex? Have neighbors been tenant to gather quick clues about the general care, maintenance of playing music louder than you prefer? Are you located by a major the building, and cleanliness of the area overall. Try to talk to the airport, freeway or train tracks? tenant who is vacating the apartment you are planning to rent. He Do you need an apartment that takes pets? If not, do you want or she can tell you a great deal about the pluses and minuses of to live in an area that does? Do tenants appear to be cleaning up living there. Here are some tips for inspecting the inside of the after their pets? What is the management policy for pet size and apartment: maintenance? Is it clean? Carpet should be cleaned and walls/ceilings should Rental experts suggest that tenants should tour several be freshly painted. Does the apartment have a bad odor? It could apartment complexes before placing a deposit on a unit. The be a tip that the prior tenant had a pet or cooked spicy foods. minimum deposit to hold a unit is usually $100. Prospective renters Check room sizes with a floor plan. Make sure the furniture that still need to fill out an application and pay an application fee. This you will be moving will fit. Is the bedroom near the bathroom? Does will hold your unit while your employment, credit and rental histories the dining room adjoin the kitchen? are being checked out. This process usually takes 7 to 10 days to complete.

46 ] Milwaukee 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 visit 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 The House want to move as quickly as possible, meaning you have a better Make a list of the amenities and attributes you want your house shot at them accepting a lower price. to have. Be specific. Prioritize that list. Then, rate how each house Style and Substance measures up to each need on your list. The SUBSTANCE are things that cannot be changed such as the Neighborhoods location, view, size of lot, noise in the area, school district, and floor If you have kids or pets and being close to a park is important, plan. The STYLE represents easily changed surface finishes like you’ll want to consider that. How close are shopping, restaurants, carpet, wallpaper, color, and window coverings. Buy the house with churches, and other services? Are the streets maintained? How do good SUBSTANCE, because the STYLE can always be changed to your prospective neighbors keep up their property? How long will match your tastes. your commute to work be?

Milwaukee Information Guide [ 47 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?

48 ] Milwaukee Information Guide HOME CARE BASICS FOR NEW HOMEOWNERS

You’ve finally done it—you’ve just moved into your brand new Appliances home. The smell of fresh paint still permeates the air. You’re likely Remember to read the instruction manual for every appliance in consumed with unpacking, setting up furnishings, rearranging, your new home. The manuals provide recommended cleaning and decorating—energized by the blank pallet you have to work with. maintenance schedules and sometimes your warranty will become But once you’ve signed the thick pile of closing documents, the void if you don’t follow these recommendations. moving trucks have left and everything is neatly in its place, what do Driveways you do next? It’s time to get a handle on the routine maintenance If you have an asphalt driveway, remove oil, gasoline and similar you’ll need to perform in order to ensure that you and your family substances immediately with soapy water. live comfortably in your new home for years to come. Here’s some To avoid holes in your asphalt driveway, refrain from resting patio advice to get you started and help save money while you’re at it: furniture or bicycle stands on it. Maintaining a clean home will ensures it will last longer and works Do not burn anything on your driveway. better. Dust and dirt, if allowed to accumulate, can harm the finishes Gutters and Downspouts on blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls, Clear away leaves, tree limbs and other debris from gutters and tiles and other items. If dirt does accumulate, make sure to clean it downspouts. with a substance that does not scratch or damage the finishes. Downspouts should be turned away from your home’s On the outside of your home, make sure that gutters and foundation. downspouts do not get clogged with leaves or other objects. The Every four to six years, paint gutters that are not are made of exterior of your house is built to withstand exposure to the aluminum or vinyl to help prevent rust. elements, but a periodic cleaning will improve the appearance and, Heating and Cooling Systems in many instances, prolong the life of siding and other exterior Late summer or early fall are the ideal time to do an annual products. inspection and cleaning of these systems. When you bought your home, you probably received a warranty Make sure you change the filters every three months. from the builder on workmanship and materials. This warranty applies to problems related to the construction of the home, but it Keeping your pilot light burning during the summer will help keep does not apply to problems that arise because of failure to perform the furnace dry and prevent corrosion. routine maintenance. For example, if your roof begins to leak after Registers help regulate the flow of air and maintain the desired six months because of faulty workmanship, your warranty would temperature in your home. Keeping registers closed in rooms you cover that. If you develop a problem because water backed up in don’t use will save on cooling/heating costs. clogged gutters that you should have cleaned, the builder is not Using heat generating appliances in the evening and reducing the responsible for repairs. Also, some items, such as appliances, may number of lights on will help keep the temperature down and save be covered by manufacturers’ warranties and are not the on costs during the summer. responsibility of the builder. Plumbing You should fully familiarize yourself with the terms of your Every member of your family should know where the intake warranty soon after you move into your home. With all the valves are located. Label each one. excitement surrounding a move into a new home, most people have If any of your appliances develops a leak, inspect your drain trap. little desire to curl up in front of the fireplace and read a legal A partially clogged drain can cause overflow. Use a plunger or a document. Nonetheless, you should not wait to read your warranty plumber’s snake to unclog the drain. If you need to, use boiling until a problem arises. Set aside an hour to learn what your rights water to help unclog a partially opened drain. Call a plumber if these and responsibilities are from the outset. techniques don’t work. Here are some additional tips for properly maintaining specific A worn washer, a loose part in a faucet or steam in a hot water systems in your new home. pipe generally causes a noisy pipe. Do not hesitate to repair the noise because vibrations can follow the noise and lead to leaks.

Milwaukee Information Guide [ 49 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 or 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.

50 ] Milwaukee Information Guide TAKE CONTROL OF YOUR ENERGY COSTS

The cost of cooling your house continues to rise . There are a • Make sure food is cool and covered before it goes into the number of ways you can save a significant amount of money on refrigerator. your energy bills. In fact, it’s possible to save up to 25 percent on • Close doors to rooms that are not being used. your power bill by using the following tips. While your results might • Run full loads in your washer and dryer, and use “solar drying” vary, you’re guaranteed to find at least a few ways to save money. (clotheslines). The idea behind all our advice, and in fact our entire conservation • Use energy saver option on your dishwasher, allowing dishes to effort, is to give you the information you need to make the right air dry. decisions. • If you A/C unit is on the ground, keep the area around it clean and These simple steps don’t cost a thing, but can potentially save free of obstructions to maintain air flow. you 10-25% on your monthly energy bill. • Unplug your televisions/VCR when you’re on vacation. Most new • Turn off lights and appliances when not in use. Don’t forget your sets draw power even when they’re turned off. computer - it can use as much energy as a refrigerator. Most new • Keep lights and lighting fixtures clean, especially if you’re computers have “sleep” settings. reducing the number of lights you use. Dirt absorbs light. Let • In the cold months, set the thermostat to 68 degrees when lights cool before cleaning them and never touch halogen bulbs home, and then back to 58 degrees when sleeping or when you with your bare hands. The oil from your skin can greatly damage are not home more than four hours. the bulbs. Use a small piece of paper to hold the bulb. • In warm months, set the thermostat to 78-80 degrees when • If your dishwasher has a filter clean it. home and 5 to 10 degrees warmer at night or when you’re not • Clean the reflectors underneath the burners on stovetops. home. • Do not turn your air conditioning off in the hot months when There are plenty of low cost, easy to do projects or steps you can you’re not home. Your house will store up the heat and you’re do to save another 10-25% on your energy bill. likely to make the air conditioning run for hours to feel • Use compact fluorescent bulbs instead of incandescent ones. comfortable. This will typically save $1 per bulb changed out (for bulbs running • In the winter, open window coverings on the sunny side of your 4-6 hours per day) and reduce heat in your home. Regular bulbs home to take advantage of “free heat from the sun” Close the use most of the electricity to generate heat so use care when coverings on cloudy days or right after the sun sets. changing bulbs. • In the cooling season, close blinds and drapes during the day to • Caulk windows and caulk and weather-strip doors. Keep the keep heat out. outside air out and the inside air in. • Also, use your dishwasher, clothes washer and dryer, and cook • Install a hot water heater blanket but be careful not to cover vents as late in the evening as possible. or temperature settings. • Barbecue outside if practical, keeping in mind the heat and effect • Install hot water pipe insulation. Do keep the insulation at least six of sun on your body. By reducing the heat coming into your home inches away from the flue (exhaust pipe) of gas water heaters. from any source, will reduce the load on your air conditioning. • Plant trees and shrubs on the south and west side of your • Use pool trippers to reduce the time your swimming pool pump residence. The vegetation acts as insulation and provides runs on—eight to twelve hours a day is plenty in the summer shading, reducing thermal gain in a building. months, less in the winter months. • Fix leaky faucets Install low flow showerheads. • Set your water heater to 120 degrees. • Use room fans to keep the air moving and reduce the feeling of • Vacuum your refrigerator coils (underneath and in the back) and heat in your home. don’t obstruct the coils. They need air space to work. • Replace furnace and air conditioner filters. Spray the filters with a • Keep the seals (gaskets) on refrigerators and freezers clean. light coating of lemon furniture polish or vegetable oil cooking • Keep your freezer as full as possible. You can place containers or spray to help trap dirt in the filter. plastic bottles filled with water in the empty spaces. • Check the seals on your refrigerator and freezer. • Replace normal thermostats with programmable thermostats.

Milwaukee Information Guide [ 51 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.

52 ] Milwaukee 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.

Milwaukee Information Guide [ 53 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.

54 ] Milwaukee 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.

Milwaukee Information Guide [ 55 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 business references that you can call and verify that the 10. Make sure complete architectural drawings are done and relationships with suppliers and subcontractors are good ones agreed upon if you are having a room addition added, or and that the contractor pays his bills. extensive remodeling done. Be certain that detailed material 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

56 ] Milwaukee 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.

Milwaukee Information Guide [ 57 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

58 ] Milwaukee 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.

Milwaukee Information Guide [ 59 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

60 ] Milwaukee Information Guide AIRLINES CAR/TRUCK RENTAL

Airlines help meet your banking and financial HSBC Bank USA needs. 1423 Fillmore AVE American Airlines HSBC Bank USA Milwaukee, WI 14211 Reservations call (800) 433-7300 (800) 975.HSBC (4722) Flights at your fingertips. For passenger 135 Delarware AVE Milwaukee, WI 14202 HSBC Bank USA has more than 400 reservations and information call us or your branches in New York State, giving it the travel agent. (800)975.HSBC (4722) HSBC Bank USA has more than 400 most extensive branch network in New Continental Airlines branches in New York State, giving it the York. Enjoy all the convenience and the Reservations call (800) 523-3273 most extensive branch network in New control you’ll get with online services from Want to be treated with respect, fly the York. Enjoy all the convenience and the HSBC! From account access and safe and courteous skies with Continental control you’ll get with online services from transaction history, to useful tools and Airlines. HSBC! From account access and calculators, HSBC’s online services will help meet your banking and financial United Airlines transaction history, to useful tools and needs. Reservations call (800) 241-6522 calculators, HSBC’s online services will Serving more of the nations top 100 help meet your banking and financial HSBC Bank USA business centers than any other airline. needs. 306 W Ferry ST Small package dispatch, same-day airport HSBC Bank USA Milwaukee, WI 14213 to airport. 1989 Clinton ST (800) 975.HSBC (4722) Milwaukee, WI 14206 HSBC Bank USA has more than 400 Banks/ Finance (800) 975.HSBC (4722) branches in New York State, giving it the HSBC Bank USA HSBC Bank USA has more than 400 most extensive branch network in New 1000 Elmwood AVE branches in New York State, giving it the York. Enjoy all the convenience and the Milwaukee, WI 14222 most extensive branch network in New control you’ll get with online services from (800) 975.HSBC (4722) York. Enjoy all the convenience and the HSBC! From account access and HSBC Bank USA has more than 400 control you’ll get with online services from transaction history, to useful tools and branches in New York State, giving it the HSBC! From account access and calculators, HSBC’s online services will most extensive branch network in New transaction history, to useful tools and help meet your banking and financial York. Enjoy all the convenience and the calculators, HSBC’s online services will needs. control you’ll get with online services from help meet your banking and financial Car/Truck Rental HSBC! From account access and needs. Avis Rent a Car transaction history, to useful tools and HSBC Bank USA calculators, HSBC’s online services will Reservations call (800) 331-1212 529 Elmwood AVE Offers low-mileage quality maintained help meet your banking and financial Milwaukee, WI 14222 needs. GM and other cars. Computerized for fast I (800) 975.HSBC (4722) service and low rates for day, week, or HSBC Bank USA HSBC Bank USA has more than 400 long term mini lease. 201 Amherst ST branches in New York State, giving it the Milwaukee, WI 14207 most extensive branch network in New Budget Rent a Car (800) 975.HSBC (4722) York. Enjoy all the convenience and the Worldwide Reservations (800) 527-0700 Right now, Budget has some great rates HSBC Bank USA has more than 400 control you’ll get with online services from on some equally great cars and trucks. So branches in New York State, giving it the HSBC! From account access and don’t let them pass you by. For your local most extensive branch network in New transaction history, to useful tools and or one-way rental choose from Budget’s York. Enjoy all the convenience and the calculators, HSBC’s online services will World Class Fleet at the airport, or in your control you’ll get with online services from help meet your banking and financial neighborhood. HSBC! From account access and needs. transaction history, to useful tools and HSBC Bank USA Budget Rent a Truck calculators, HSBC’s online services will 366 Kenmore AVE Worldwide Reservations (800) 527-0700 help meet your banking and financial Milwaukee, WI 14223 Right now, Budget has some great rates needs. (800) 975.HSBC (4722) on some equally great cars and trucks. So don’t let them pass you by. HSBC Bank USA HSBC Bank USA has more than 400 1017 Broadway branches in New York State, giving it the Hertz Car Rental Milwaukee, WI 14212 most extensive branch network in New Reservations call (800) 654-3131 (800) 975.HSBC (4722) York. Enjoy all the convenience and the Still the biggest, still the best We care HSBC Bank USA has more than 400 control you’ll get with online services from about you. Customer service is the most branches in New York State, giving it the HSBC! From account access and important thing we do. Biggest selection of most extensive branch network in New transaction history, to useful tools and low-mileage cars. York. Enjoy all the convenience and the calculators, HSBC’s online services will control you’ll get with online services from help meet your banking and financial HSBC! From account access and needs. transaction history, to useful tools and calculators, HSBC’s online services will

Milwaukee Information Guide [ 61 CONDO/TOWNHOUSE SALES EDUCATION

Condo/Townhome Sales Bay Pointe Condominiums Education PreK-8 Oconomowoc, WI Auburn Hills Condominiums Mount St. Joseph Academy (262) 567-1478 Caledonia, WI 2064 Main Street Nestled on 54 acres on the eastside of (262) 884-6494 Milwaukee, WI Nelson Road and north of West Lake www.bielinski.com (716) 883-1515 Drive, Bay Pointe is a pedestrian-friendly Located in the town of Caledonia, this Mount St. Joseph Academy is a private community featuring duplex and single- conservation community offers single- Catholic school providing quality education family style condominium units. family homes and duplex condominiums in from early childhood through grade eight. an ecologically sensitive development that At Bay Pointe, you're free to choose Rooted in the core gospel values of charity harmonizes modern living with the from outstanding home designs with the and justice, Mount St. Joseph Academy wonders of nature. Here, you'll come home amenities and floor plans to make you feel respects and enhances the gifts of each to 32 acres of conserved and restored right at home. Abundant open space and child. Flexibility in programming allows the open space, accessible from walking paths walking paths surround the units, and two school to respond to different levels of that enable residents to experience the large ponds are featured at the center of natural abilities. Faculty, parents / knolls and hollows of beautiful the property. Condominium units starting guardians, and students work together to southeastern Wisconsin. Condominiums from the $270s. create a caring environment in which each from $243,900. Farmstead Creek child achieves academic excellence while Harvest Pointe Condominiums Slinger, WI developing a strong sense of self-worth Elkhorn, WI (262) 338-0592 and social responsibility. Enriched by the (262) 743-1349 This quiet, yet growing, area offers an tradition of the Sisters of Saint Joseph, www.bielinski.com abundance of facilities and activities that Mount St. Joseph Academy is a multicultural community which models These maintenance-free condominiums will benefit the entire family. All schools in unity amid diversity. are developed around the nostalgic the Slinger district have recently been concept of a traditional community with renovated to offer a bright, safe, Education 5-12 inviting sidewalks, a local store within technologically up-to-date learning walking distance, and a peaceful setting atmosphere. Condominium units starting Nichols School away from the bustling city crowds. In from the $240s. 1250 Amherst Street Milwaukee, WI 14216 additional, the quality and value shine Riverfront (716) 875-8212 through with three ranch duplex designs Waukesha, WI Although our curriculum is the backbone featuring over 1,300 square feet of living (262) 650-9917 space, two bedrooms, two baths, to a Nichols education, we also feel that Welcome to Riverfront, an exceptional education is more than the exchange of spacious living center with fireplace, condominium community on the popular basement and two-car attached garage. knowledge and ideas within the classroom. southwestern side of Waukesha. Enjoy So please take the time to browse through Condominium units starting from the watching the wildlife and the changing $190s. the following links to get a complete seasons with close-up and panoramic picture of Our Program. Recognizing the Cedar Creek views of the lush woodlands and wetlands unique emotional, intellectual, and Jackson, WI along the banks of the meandering Fox developmental needs of pre-adolescents, (262) 677-0698 River. Condominium units starting from the the Middle School seeks to create an www.bielinski.com $260s. environment in which children will thrive. Located on the north side of Cedar Glacier Run Condominiums Our accepting and friendly atmosphere Creek in the quaint Village of Jackson, this West Bend, WI invites students to strive for excellence in Bielinski community is rich with rural charm (262) 338-6294 the classroom, on the ice or playing field, and natural beauty, yet close enough for www.bielinski.com and in a variety of visual and performing residents to enjoy the big city Situated in the quaint city of West Bend, arts venues. At Nichols we believe that conveniences of Milwaukee's downtown this ideal condominium community features parent involvement is critical to a student’s district. three distinctive duplex floor plans academic and personal success. By The condominium homes of Cedar designed to accommodate the carefree keeping you informed of school events and Creek emulate single-family residences in lifestyle that's appeals to a growing activities, we strive to keep the connection design and spaciousness yet they provide number of home owners. Diverse exterior between parents and Nichols as close, if the advantages of a carefree lifestyle only a styles with details such as brick and not closer, as it has always been. condominium can offer. At home in your cultured stone add architectural interest, new condominium, you'll enjoy the trees curb appeal, character and facilitate an Education 6-12 and greenery along the banks of Cedar atmosphere in which residents take great Florida Air Academy Creek as well as birds and butterflies that pride in their community. 1950 South Academy Drive equally enjoy this natural setting. Melbourne, FL 32901 Condominium units starting from the (321) 723-3211 $210s. www.flair.com At Florida Air Academy, Cadets at have the opportunity to get a first-rate education geared to the learning styles of young men

62 ] Milwaukee Information Guide EDUCATION HOME BUILDERS/DEVELOPERS and make friends from around the world. Established by the De La Salle Christian Andros Construction Co. The school accepts young men in grades Brothers in 1861, it is the oldest school of 33 Fountain Park 6 through 12. The Academy boasts a 16- its kind in Western New York. SJCI is Milwaukee, WI student average class size and college chartered by the Board of Regents of New (716) 834-3668 prep curriculum taught by accredited staff, York State and accredited by the Middle Little things make the difference. They many with advanced degrees. Cadets at States Association of Schools and add elegance, convenience and security. Florida Air Academy receive leadership Colleges. It is a member of the Christian Elegance in detail, convenience in features, training and an emphasis on community Brothers’ Education Association, The and security in a builder that makes a service. Other programs include an College Board, and the National Catholic difference. At Andros Construction, their excellent sports program, extensive Education Association. philosophy is different. They are serious in computer curriculum and optional flight their commitment to serving their training and SCUBA certification. Education Graduate School customers, while they set a new standard Florida Air Academy is located on Marquette University/School of Management in home building. Only the finest materials, Florida's Space Coast and is fully PO Box 1881 accessories, and architectural elements are accredited. Contact our Admissions Milwaukee, WI 53201-1881 put together for you by their very own department for more information on Fall, (414) 288-7250 handpicked craftsmen. Spring, and Summer enrollments. For www.marquette.edu/gsm Bielinski Homes additional Information contact: Donna The mission of the Executive MBA is to N16 W23377 Stone Ridge Drive Stratford Director of Communication (321) enhance the managerial effectiveness of Waukesha, WI 53188-1108 723-3211, Extension 30028 current professionals by communicating (262) 542-9494 the knowledge and skills of a general MBA www.bielinski.com Education 9-12 with a focus on global issues. This is For over 45 years, Bielinski Homes has Canisius High School accomplished through a carefully designed been a trusted name synonymous with 1180 Delaware Avenue course of study, personal interaction, quality and value in new home Milwaukee, New York 14209 technology, and real-life experiences, within construction. Bielinski is the most (716) 882-0466 the context of a strong commitment to the experienced and trusted homebuilder in As a Jesuit school, we believe, along educational themes and values of the Southeastern Wisconsin, with a proven with St. Ignatius Loyola, founder of the College of Business Administration and record for superior quality, value Society of Jesus, that everything God has Marquette University. Your success as an engineering in every home, name brand created is worthy of our study and care. executive depends on more than your product selection and exceptional warranty Canisius High School students have a knowledge of finance, accounting and options. We offer desirable located single commitment to academic excellence that marketing. It also depends on your skills at family and condominium communities that is demonstrated not only through grade working within groups, making persuasive evoke a sense of belonging. A diverse achievement, but also by behavior and presentations, and diagnosing business selection of floor plans to fit your lifestyle attitude in the classroom. problems. The innovative curriculum of with timeless exterior and the latest interior Marquette’s Executive MBA Program selections from modern to traditional. We Education 9-12 Girls ensures that you have the theoretical and look forward to helping you with your new practical knowledge, but goes further, to Milwaukee Academy of the Sacred Heart home. be sure that you know how to use the 3860 Main Street Caimond Construction knowledge to leverage your business in a Milwaukee, WI 14226-3398 dynamic business environment. 217 Vanderbilt St (716) 834-2101 Milwaukee, WI The Milwaukee Academy of the Sacred Home Builders/Developers (716) 896-3509 Heart is a community committed to At Caimond Construction we believe the American Builders providing young women with a homebuyer deserves exactly the home 49 Raymond Ave comprehensive, balanced and challenging they are looking for at a price that fits their Milwaukee, WI Catholic education rooted in the core budget. We also understand that each (716) 896-1715 values of the Franciscan Tradition. We customer and each home is unique. This is American Builders knows that graduate young women with intellectual why we customize any of our homes to purchasing a new home is one of the most preparedness, spiritual grounding, meet the desires of our individual buyers. important and difficult decisions that you, commitment to service, and the leadership Whether that means different flooring, as a new home buyer, can be faced with; skills necessary to have a positive impact more windows, or an extra shelf in the from selecting a home site and deciding on on the world. closet, we make changes the customer a floorplan, to incorporating amenities and wants. Education 9-12 Boys determining a price that is economically comfortable for your family. This enormous Capretto Homes St. Joseph’s Collegiate Institute task can be simplified greatly, if you select Elma, WI 845 Kenmore Avenue the correct builder. (716) 651-4663 Kenmore, WI Capretto Homes has been bringing the (716) 874-4024 American Dream home for more and more St. Joseph’s Collegiate Institute is an people every year. That’s because we’re independent Roman Catholic college dedicated to working with our clients each preparatory school for young men. step of the way, from finding the right floor

Milwaukee Information Guide [ 63 HOME BUILDERS/DEVELOPERS NATIONWIDE TRAVEL plans and arranging financing, to providing • AAA Five Diamond Award winning resort. • Ten international restaurants including the personal touches and attention to • Nine world-renowned restaurants AAA Five-Diamond award winner Renoir. detail that ensure quality. including Aqua, Prime, and AAA Five • Exotic White Tigers, Lions and a family of David Homes, Inc. Diamond Award-winner Picasso. Atlantic Bottlenose Dolphins in Seigfried Tonawanda, WI 14151-0327 • “O” by Cirque du Soleil, an extraordinary and Roy’s Secret Garden and Dolphin (716) 691-6900 fusion of water, dance and aerobics. Habitat. David Homes are designed and • Via Bellagio- a collection of the worlds • A fire-erupting volcano sparkling lagoons constructed by way of innovative products, most sophisticated boutiques from and tumbling waterfalls. and programs that challenge design Giorgio Armani, Chanel, Tiffany, and • Dive into interconnected lagoon and barriers which can limit conventionally Hermes. thundering waterfalls at the new Mirage constructed homes. We use computerized • The Conservatory and Botanical Gardens pool. (CAD) design services to create the home charms guests with its natural beauty. New York-New York of your dreams! Quality craftsmanship and • Dancing Fountains cavort on an eight 3790 Las Vegas Blvd. South materials are evident throughout every acre lake. Las Vegas, NV 89109 David Home. As a David Homes home (702) 740-6969 owner, you’ll see the quality in the way Fairmont Hotels The best of New York City meets the your home is built and in the way our Toll Free (800) 527-4727 best people treat you. We conduct an www.Fairmont.com of Las Vegas in one exciting location. Be a orientation session with you prior to Boston, Las Vegas, Dallas, New part of it. occupancy of your new home. This helps Orleans, New York, San Francisco & San you become familiar with various aspects Jose America’s Grand Hotels since 1907. • ESPN ZONE sports-themed dining and of it, and confirms that the home meets entertainment. Hilton Hotels with quality standards set by David • Live performances nightly from the Worldwide Reservations Homes. Award-winning comedy of Rita Rudner. Toll Free (800) 845-8667 Neumann Homes, Inc. www.Hilton.com • The thrilling Manhattan Express Roller Coaster. 9000 76th St. Suite B Hilton Hotels, Resorts, Suites, Hilton Pleasant Prairie, WI 53158 Garden Inn, Conrad International Hotel. • COYOTE UGLY Bar and Dance saloon (262) 948-8270 and the Dueling Pianos at the Bar at MGM Grand www.neumannhomes.com Times Square. 3799 Las Vegas Blvd. South From its beginning in 1985 as a family- • New York City’s original Gallaghers Las Vegas, NV 89109 owned and operated homebuilding Steakhouse. (702) 891-1111 business, Neumann Homes has built Searching for non-stop action and • Be the toast of the town in the Big apple quality homes for over 11,000 families in pulse-pounding excitement? “The City of Bar with live entertainment nightly in “The 150 communities. Neumann Homes Entertainment” awaits your arrival. Greatest City in Las Vegas.” currently offers 22 communities throughout • ZUMANITY, Another side of Cirque du Southeastern Wisconsin and the Chicago • La Femme-the sensual French sensation direct from the original Crazy Horse in Soleil, the creative climax of sexuality, suburbs featuring a unique variety of floor humanity and art. plans, home styles and amenities including Paris. its amenity-rich Clublands communities • Tabu’- The ultra hip lounge designed to Pan Pacific Resort Hotels featuring a clubhouse, fitness center, stimulate and arouse your senses. Worldwide Reservations pools, parks and more. Neumann Homes • Live the nightclub lifestyle at studio 54sm. Toll Free (800) 327-8585 builds on the cornerstones of value, choice • Sixteen masterpiece restaurants including Pan Pacific Hotels & Resorts. North and trust as it strives to make a higher celebrated chef Tom Colicchio’s America, Japan, Southeast Asia. quality of living attainable for more people. Craftsteak and Michelle Mina’s NOBHILL. Treasure Island Visit a Neumann Homes community today • The king of the jungle overlooks the Lion 3300 Las Vegas Blvd. South and discover what’s calling you home. Habitat. Las Vegas, NV 89109 Moving Supplies • The Grand Garden Arena and Hollywood (702) 792-5627 Theatre feature top name entertainment. Enjoy the adventure and romance of this Dial-A-Box engaging resort filled with new-world White Plains and The Bronx, NY Mirage Hotel & Casino amenities. 3400 Las Vegas Blvd South TOLL FREE: (866) 4-DIAL-A-BOX / • AAA Four Diamond Award® winning Las Vegas, NV 89109 (866) 434-2522 resort. www.dial-a-box.com (702) 791-7111 Immerse yourself in this tropical South • World-famous pyrotechnic sea battle Nationwide Travel Sea oasis filled with luxury and excitement! between the pirate ship, Hispaniola, and the British frigate, H.M.S. Britania in the Bellagio The Resort • Experience the elegance and middle of the Buccaneer Bay. 3600 Las Vegas Blvd South sophistication of our newly redesigned Las Vegas, NV 89109 guest rooms. • Mystere by Cirque du Soleil, a mesmerizing mix of powerful acrobatics, (702) 693-7223 • Dive into interconnected lagoon and circus skills and dance. Experience a world unto itself at “the thundering waterfalls at the new Mirage most romantic hotel in the world.” pool. • Eight exciting dining options including

64 ] Milwaukee Information Guide NATIONWIDE TRAVEL NEW HOME DEVELOPMENTS

Kahunaville and Buccaneer Bay Prairie Glen communities introduced in 2003. Choose Restaurant-fine dining overlooking the Germantown, WI from 148 spacious homesites with some explosive battle in Buccaneer Bay. (262) 512-1562 lots next to open space, a future trail, and • A beautifully appointed wedding chapel. www.bielinski.com small ponds. A multi-purpose trail winding • A tropical pool area and lavish spa and Prairie Glen will serve as a national around the community, an on-site city salon. model for future conservation designs and park, and the close proximity of put Bielinski Homes at the forefront of a Mukwonago High School just across the New Home Developments growing trend to create communities that street combines the perfect setting for families. Home and Lot Packages from the Auburn Hills preserve and restore nature. Bielinski will $230s. Caledonia, WI allow for approximately 60% of the 31 (262) 884-1329 homesite community to remain as open Willowbrook www.bielinski.com space which will be landscaped and Oak Creek, WI restored back to native prairies, wetlands Located in the town of Caledonia, this 414-762-6790 and woodlands. Homes will be naturally conservation community offers single- www.bielinski.com buffered from one another, and a network family homes and duplex condominiums in Featuring 89 single-family homesites, of walking paths will connect the an ecologically sensitive development that Willowbrook is a true definition of community and enable residents to take in harmonizes modern living with the conservation with approximately 53% of the great outdoors. If you are looking for a wonders of nature. Here, you'll come home the land to remain as open space. Open nature's bounty a short drive from to 32 acres of conserved and restored space areas will be landscaped and downtown Milwaukee, then Prairie Glen is open space, accessible from walking paths restored back to native prairies, wetlands the place to build your new Bielinski home. that enable residents to experience the and woodlands to provide a natural buffer Home and Lot Packages from the $370s. knolls and hollows of beautiful to the lots and feature a network of southeastern Wisconsin. Home and Lot Highland Creek walking paths for the residents to use and Packages from the $230s. Jackson, WI enjoy. Home and Lot Packages from the (262) 677-8890 $240s. Fox Chase www.bielinski.com Eagle, WI Wood Creek (262) 363-4396 Located in Jackson, just 25 miles north Oconomowoc, WI www.bielinski.com of Milwaukee, Highland Creek offers an (262) 560-1772 ideal setting with country fresh air, small Welcome to Fox Chase, a rural, country www.bielinski.com town atmosphere, and all the comforts and community in Eagle, just 35 minutes from A life of distinction in charmingly historic conveniences of a larger community. At Milwaukee. This picturesque community Oconomowoc awaits residents of Bielinski Highland Creek, you'll find 51 homesites in features 62 spacious home sites with Homes' Wood Creek community. Attractive the newly-released Phase C, several secluded lots ranging in size from half acre single-family homes balance craftsmanship backing wetlands and open space along to full acre. Fox Chase is just minutes away with style throughout spacious and unique Friedens Creek. Jackson is one of the from Kettle Moraine Forest, Old World designs. Attention to detail is evident in fastest growing communities in one the Wisconsin and other area amenities. This quality fixtures and popular amenities that fastest growing counties in Wisconsin and superb planned community is the perfect encourage comfortable, everyday living. A aptly named "The Village with A Future." location for your new Bielinski home. true value, these well-planned homes Home and Lot Packages from the $200s. Home and Lot Packages from the $220s. define a serene community conveniently Woodland Ridge located close to Milwaukee yet far enough Harvest Pointe Merton, WI away to enjoy country living. Home and Lot Elkhorn, WI (262) 538-0798 Packages from the $230s. (262) 743-1340 www.bielinski.com www.bielinski.com Hidden Hills Nestled in the small rural Village of Harvest Pointe is ideally located in the Port Washington, WI Merton, in the sought-after Arrowhead up-and-coming Elkhorn community, with (262) 268-9411 School district, Woodland Ridge features 188 single-family homesites, 90 duplex www.bielinski.com 82 spacious homesites, a 13-acre Village ranch condominiums, a park and many The single-family homes of Hidden Hills Park, and open space. Lots will average amenities. This community was designed have been engineered using revolutionary one-acre with many offering partial or full around the nostalgic concept of a home building techniques that improve exposure and several backing to wooded traditional community where a local store efficiencies of the new home while areas. Residents will enjoy the picturesque was within walking distance; kids rode their maximizing material usage and minimizing scenery Merton has to offer as well as the bikes for ice cream, and neighbors used waste. The end result is the most large number of streams and lakes. sidewalks for inviting walks. Harvest Pointe competitive price available without Breathe in the fresh air at Woodland Ridge. has that same flavor. Recently ranked #14 sacrificing high quality standards. Also, for Home and Lot Packages from the $380s. of the "100 Best Small Towns in America", those homebuyers who desire a more Elkhorn offers a strong balance of industrial Fairwinds carefree lifestyle with all the benefits of and business growth, a small-town Mukwonago, WI homeownership, Hidden Hills offers ranch- ambiance, and easy access to state (262) 363-4396 style condominiums. Home and Lot highways. Home and Lot Packages from www.bielinski.com Packages from the $210s. the $200s. Fairwinds, located in the Village of Mukwonago, is one of Bielinski's newest

Milwaukee Information Guide [ 65 NEW HOME DEVELOPMENTS NEW HOME DEVELOPMENTS

Farmstead Creek Rolling Oaks Slinger, WI Waukesha (262) 338-0582 (262) 896-0269 www.bielinski.com www.bielinski.com The picturesque Wisconsin farms and Located in the nostalgic town of scenic beauty of Kettle Moraine set the Waukesha, Rolling Oaks provides the wide perfect stage for Farmstead Creek. open spaces of the country with city Located at the edge of the historic Village conveniences right around the corner! New of Slinger, this new community will consist homebuyers can select from 92 spacious of 140 single-family homes, 58 ranch homesites averaging _ an acre with some duplex condominiums and an existing wooded lots available. Lush Minooka Park farmstead, all where friends and neighbors abuts the community to the east where will enjoy a true sense of community within residents will enjoy miles of winding hiking, the most charming surroundings. Home skiing and bridle trails, numerous picnic and Lot Packages from the $220s. areas, a refreshing swimming pond and Sussex much more! Brandon Oaks, WI Prairie Meadow (262) 820-2683 West Bend, WI www.bielinski.com (262) 338-0582 Discover this rare community secluded www.bielinski.com and nestled in the quiet, friendly Village of This 77-acre community offers a nature Sussex. At Brandon Oaks, you'll find 46 setting with conveniences nearby. homesites and homes with over 2500 Homesites back up to a city park, open square feet of living space to choose from, spaces, prairies, woodlands and wetlands. with everyday conveniences nearby, and In all, 139 homesites will be available in just minutes from the new Sussex Prairie Meadow, but the natural value of Community Center. When completed, the the land and its resources will be Community Center will include aquatics preserved on over 50 percent of the and fitness centers, educational programs community. Fully mature trees will be and social activities. Home and Lot protected, wetlands will be preserved, and Packages from the $340s. the majestic prairie will be restored. Home Kettle Glen and Lot Packages from the $220s. Waterford, WI (262) 514-3208 www.bielinski.com Located in the Village of Waterford, Kettle Glen is a desirable community featuring 127 single-family homesites in a peaceful, spacious setting. Residents will enjoy a friendly community with sidewalks, 18 acres of green space, open space for future nature trails, and a community park. Redi homes from the $310s. Hunter Oaks Watertown, WI (920) 206-1107 www.bielinski.com Hunter Oaks in Watertown is perfect for every lifestyle. This unique community concept is a town within a town offering single-family homes, condominium living, rental homes, community parks, on-site fire station, and retail shops in a central, yet suburban setting. Choose from 266 single-family homesites with desirable locations such as park views, cul-de-sacs, oversize lots and open space. Home and Lot Packages from the $190s.

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