We’ve Got You Covered 100 OFF Any Full Roof Cleaning $
ROOF CLEANING
Estimate Totals Over $500
Please present coupon at the time of estimate. Not valid on completed jobs or jobs in progress. Valid on full roof cleanings only. Some restriction apply. Expires 12/15/18
$500 OFF Any New Roof
NEW ROOF
Homes Over 2,000 Sq. Ft. Please present coupon at the time of estimate. Not valid on completed jobs or jobs in progress. Valid on whole home installation only. Some restriction apply. Expires 12/15/18
GUTTER CLEANING
20% OFF All Gutter Cleaning Please present coupon at the time of estimate. Not valid on completed jobs or jobs in progress. Some restriction apply. Expires 12/15/18
20% OFF All No Clog Gutter Systems
GUTTER SYSTEMS
Please present coupon at the time of estimate. Not valid on completed jobs or jobs in progress. Some restriction apply. Expires 12/15/18
FREE ESTIMATES CALL TODAY
(503) 404-3844
www.pacificwestroofing.com
! LD O S
We Sell Over $1 Million in Homes a Week* ! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD SO
! LD O S
! LD SO
! LD SO
! LD SO
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD SO
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
! LD O S
Why does this matter? In a word: Experience. This industry is filled with rookies and surmounting “sale fail” statistics. You’ll want to work with an experienced agent who knows how to get even the toughest transactions to close, on time, every time. Hundreds of sales per year means that we have the expertise to get the job done. *Annual sales volume averaged out over 52 weeks a year. Beltran Properties Group sold $54million in 2017 and are on pace to sell more in 2018.
Jaimy & Sherine Beltran
®
3 Locations to Serve You! Wilsonville, OR Salem, OR Vancouver, WA
Se Habla Español
(503) 502-3330
Featured Home Call 503-502-3330 for details on this lovely property!
Stats Man Strikes!
SCARY STATS!
Time for some scary stats as we look back about a decade. RMLS calculates inventory by dividing the total active listings by the number of closed homes that month. January 2009 had the highest number as far back as I can find: 19.2 months. February 2009’s inventory was 16.6 months 2010 had 7 months where inventory was above 10 months. It got better from there. January 2011 marked the bottom for the average price in Portland at $248,900, down 11.9%. In August 2007 the average price was $355,000.
10469 SW DENMARK ST, WILSONVILLE, OR, 97070 ML# 18645196 BEDROOM: 5 BATH: 3 SQUARE FEET: 2663
Stunning Villebois home tucked away on a quiet street. Gleaming hardwoods. Gorgeous slab granite. Stainless Steel appliances. Grand open floorplan, complete with sizable outdoor area, cozy gas fireplace and plenty of storage throughout this spacious 5 bedroom home. Just steps to the popular Lowrie primary school. Enjoy Villebois lifestyle with seasonal farmers market, walking trails, parks & greenspaces. Welcome Home!
In 2007, active listings went from just over 7,000 homes to almost 14,000. 2008 had the most at just over 18,000 active listings Now for the good news, inventory is at 2.4 months and has stayed under that number for the last two and a half years. 5-6 months is considered a balanced market. The average price is $455,100 and active listings are at 6,549. Those are pretty good numbers to end on. Call Stats Man for more fun trivia or local real estate stats: 503-750-6494
Mike Rohrig
Licensed Oregon Principal Broker Beltran Properties Group Director of Sales
(aka “Stats Man”)
Would You Buy a “Haunted House”?
D
oes the idea of a haunted house entice you to buy a home or drive you away? We’ve heard of people bidding up homes because they were exhilarated by the idea that they could be close to “spirits.”
most famous haunted house and there are claims that it’s haunting was concocted over a bottle of wine with some financially desperate people.
There’s a home where a grisly murder was committed over a 100 years ago that now commands $400 a night to stay in. A paranormal investigator stayed the night and stabbed himself by morning. Do you believe?
We often get the question around this time of year, “Do sellers have to disclose a death in the home?” In Oregon, no as far as we know. Some states have disclosure laws for deaths in the previous three years and have to answer any knowledge they have, if a buyer asks about further back.
Movies have been made about several homes that have urban legends of their haunting, most with dubious backgrounds. Amityville is probably the
Have you ever lived in a home with some odd goingons that you can’t explain? Hit us up on Facebook and let us know. We’d love to hear! www.Facebook.
ELIMINATE GUTTER CLEANING FOR LIFE!
LIMITED TIME OFFER
15
%
Off Entire LeafFilter® Purchase
0
+
%
Financing*
PLUS ADDITIONAL SENIOR & MILITARY DISCOUNTS Promo Number: 272 | Expires 11-03-18
CALL US TODAY FOR
A FREE ESTIMATE!
1-844-440-9814
www.LeafFilter.com/15off Promo Number: 272 *Contact us for additional details
LIFETIME WARRANTY
License# 218294
CARPET CLEANING & Commercial Carpet Pet Odor Remover Tile & Grout Upholstery Area Rugs
FALL CLEANING SPECIAL
20% OFF 1-2 Rooms 25% OFF 2-3 Rooms 30% OFF Whole House $99 minimum applies Call for details. With this coupon. Not valid with any other offers. Expires 12/15/18.
Sweets CALL TODAY 503-625-3101
Serving Portland & Vancouver Metro Area
Independently Owned & Operated
FOR ADVERTISING INFORMATION CALL 503.825.2111
Keep dreaming. it’s what Keeps us going. It takes dedication to pursue your dreams. And we’ll be right there with you every step of the way. Because we believe that with the right support, any dream is possible. And there’s no better insurance than that.
Let’s taLK today.
Kyle Bunch, Agent 30240 Sw Parkway Ave Ste 200, Wilsonville Bus: (503) 427-9915 kbunch@amfam.com KYLEBUNCHAGENCY.COM
American Family Mutual Insurance Company, S.I., American Family Insurance Company, 6000 American Parkway, Madison, WI 53783 | 013348 – Rev. 4/17 ©2017 – 8085624
How Does Life Insurance Work?
L
ife insurance is all about caring for those who depend on you, and having peace of mind knowing that your loved ones will have some financial protection if you were to pass away. If you’re wondering how life insurance actually works, you’re not alone. Here’s an overview of what you need to know.
Permanent life insurance provides protection for the length of your entire life, not just part of it. This includes Whole Life insurance, with coverage for your whole life and premium payments Kyle Bunch that remain the same regardless of changes in your health or age. Similarly, Agent universal life insurance can cover your whole life, but has flexible premiums that you can adjust as your circumstances change, such as our MyLife Flexible life insurance. Both whole life and universal life policies can build cash value that you can access during your lifetime. These policies are popular among those who want longer-term protection, and the ability to build the cash value of the policy over time. (Note: loans or cash value withdrawals may affect the policy’s death benefit and could require the need for additional premium payments to keep the policy in force.)
Life Insurance for Final Expenses
Life Insurance Basics
For starters, life insurance protects the special people in your life by providing them a financial safety net in the event that you pass away. It can help replace your lost income and other ways you financially provide for their needs — everything from day-to-day necessities like groceries and electric bills, to bigger ongoing expenses like mortgages or tuition payments. Kyle’s agency can help your learn more about how to calculate your life insurance needs. Life insurance pricing is determined based on the amount, type and length of coverage you select, as well as things like your age, gender, health, medical history and other factors. Once you’ve purchased a policy, you pay premiums on a regular basis. And if you pass away while the policy is in effect, the insurance company will pay your beneficiaries the amount of money you specified in your policy. Learn more about choosing a beneficiary.
Types of Life Insurance Coverage When you’re shopping for life insurance, you’ll want to explore the two main types: temporary and permanent. Temporary life insurance provides coverage at a lower initial cost. This includes term life insurance, like American Family Life Insurance SimplyProtected Term Life insurance and Term Life insurance, which remains in effect for a specific term or length of time at a set premium. Term life is popular among those who want temporary coverage at a lower cost for larger amounts to help pay off mortgages, loans or other debts, replace income, pay for education costs, and more.
Life insurance can help your loved ones cover the costs for expenses they’ll face after your death. It can help relieve the financial burden for final expenses, such as funeral home costs, service and burial — among other things.
Is the Death Benefit from Life Insurance Taxable? The short answer is no, most of the time. The beneficiaries will usually receive the death benefit tax-free.
How is a Death Benefit Paid Out? Your life insurance benefit will be paid when you — or whomever the insured is — pass away and the beneficiary files a death claim. The beneficiary will need to submit proof of death, usually a death certificate, and the insurance company will review the claim. Beneficiaries are usually paid with a lump sum, meaning they’ll receive the entire death benefit in one payment, or they have the option to be paid in installments that can be set up a variety of ways. Getting life insurance is one of the best decisions you’ll ever make. It’s a smart, affordable way to make sure those you love have the financial protection they need. Kyle and his team can help answer any questions you have regarding your life insurance coverage — connect with them to ensure you’re protecting what matters most. Give them a call at 503-427-9915 or stop by the office!
REPLACE YOUR WINDOWS NOW. PAY NOTHING UNTIL 2019. FA L L W I N D O W R E P L A C E M E N T E V E N T
0 Money Down 0 Payments 0 Interest for
$ $ $
12
MONTHS
**
PLUS
BUY 4 GET THE 5TH*
FREE
C a l l B y O c t o b e r 3 1 st
(503) 925-3805 Visit us at NewWindowsNW.com for more information
Amazing deals like this don’t last forever, and our FREE in-home consultations are limited. Call Now, before it’s too late.
Truly Exceptional Service
Superior Performance
Our remarkable service has been finely honed over decades for a superior experience. Welcome to Renewal by Andersen, the full service window replacement division of Andersen Corporation, the name homeowners have trusted for over 115 years.
The superior glass coatings and argon gas blend create the perfect combination of efficiency to keep your home comfortable all year.
To schedule your FREE window diagnosis
READ THE REVIEWS
4.9 OUT OF 5 GOOGLE RATING
Don’t just take our word for it. Based on over 6,750 projects that have been done in your area, we have earned rave reviews from your neighbors and recognition from key industry organizations.
2017
*Offer not available in all areas. Offer ends 10/31/2018. Discount applied by retailer representative at time of contract execution and applies to purchase of 4 or more windows and/or patio doors. Cannot be combined with other offers. **0% APR for 12 months financing available to well qualified buyers on approved credit only. Not all customers may qualify. Higher rates apply for customers with lower credit ratings. Financing not valid with other offers or prior purchases. Any finance terms advertised are estimates only, and all financing is provided by third-party lenders unaffiliated with Renewal by Andersen retailers, under terms and conditions arranged directly between the customer and such lender, all subject to credit requirements. OR Lic# 198571. WA Lic# RENEWAP877BM. “Renewal by Andersen” and all other marks where denoted are marks of Andersen Corporation. 2018 Andersen Corporation. All rights reserved.
NOW OPEN ON SATURDAYS @ 11am FOR LUNCH
Local, Regional, & International Wine List Healthy Unprocessed Food Choices Elegant Date-Night Atmosphere • Happy Hour 4pm to Close Local Fresh Ingredients • Kid Friendly
Book your holiday party reservations with us
10 off
$
MONDAY SPECIAL
Any Purchase
of $40 or more - DINE IN ONLY ( Valid Only for Monday Dinners )
Not valid for Happy Hour or for Take Out. Coupon not valid on Holidays. One coupon per table. Cannot be combined with other offers. Expires 12/15/18
Celebrating 13 years in wilsonville
8309 SW Main Street • Wilsonville 503-582-1201 • www.abellaitaliankitchen.com Lunch 11:30am Mon-Fri • Dinner Nightly 4pm Open Saturdays at 11am for lunch
l al
L et U
s Help You
m r a W Stay
$50 OFF $99 $1,600 Any Repair Receive Up To A
Rebate
With the purchase of a qualifying Lennox Home Comfort System. Expires 11-23-18
Service
Excludes diagnostics. May not be combined with any other discounts or used on past services. Expires 12-15-18
i h T
F s
Furnace Tune-Up
Bring Your System Back To Factory Fresh Condition! Full Inspection & Thorough Cleaning Reduce Repairs • Increase Efficiency Check For Safety
May not be combined with any other discounts or used on past services. Expires 12-15-18
# 154359
Call Today 503-655-0556 • 72DegreesAirPride.com
You’ll Love Our Prices This FALL!
7 PIECE BEDROOM SET
999
$
AFTER COUPON
YOUR CHOICE
999
$
RECLINING SOFA AND LOVESEAT
THREE PIECE SECTIONAL
10 off FREE %
YOUR ENTIRE PURCHASE New purchase only
Must present coupon. Not valid with any other offers.
Just in Time for Fall Sports Swivel Recliner
DELIVERY
Delivery within local area. Up to a $99 value. Minimum purchase $499
ONLY
199
$
(Limited Stock)
Must present coupon. Not valid with any other offers.
23300 S. HWY 99E • Canby, Oregon
503-266-8800 www.NorthwestFurnitureOutlet.com