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Northfield News Saturday-Sunday October 4-5, 2008
The starting place for new-home starts Smart tips for getting in on new real estate By Charles Scutt CTW Features If you’re looking to turn over a new leaf this fall by hunting exclusively for a new-construction home, it’s important to know where to start your search, say the experts. Depending on your preference whether it be a to-be-built residence on the lot of your choice, a finished inventory home, or an abodein-progress located within a new home subdivision - you can find what you’re dreaming of faster by doing some simple homework that’s designed to avoid excess legwork. For example, if you’re eager to buy new but seeking to remain a local resident, check with your local housing/community development department, planning and zoning department, or other local authority that tracks permit applications and housing starts in your municipality, says Richard Swerdlow, CEO of Condo. com, Miami. Your city, town or village may have this information conveniently posted on its Web site. “Big projects and subdivisions take extensive permitting and zoning planning,” Swerdlow says. “You
can usually find out about these projects and zoning meetings in the local news section of your paper or at the local zoning and planning departments.” Your municipality may reveal several ideal newhome opportunities in your area - either a teardown site or vacant lot on which a new home can be built, an inventory (a ka “spec”) home on a scattered home site, or a new construction residence planned for a new community subdivision/development. In fact, you may be able to get a preconstruction discount from the builder/develop if
work has not yet started on the residence, says Swerdlow. Aside from a check with your municipality, there are two essential tools at your disposal. The first is the Internet, including sites like Realtor.com (official site of the National Association of Realtors, where you can conduct a thorough online search of available properties) and NAHB.org (official site of the National Association of Home Builders). Numerous other sites, including Move.com, HomeGainBuilders.com, and iNest. com, offer free and simple
searches of new-home properties and communities/subdivisions throughout the United States. The second is a fleshand-blood expert: an experienced real-estate professional. “Working with a realestate agent who knows the area you wish to live in works best,” says Swerdlow. “They have market knowledge and can save you considerable time searching for a teardown property, for example.” One of the real-estate agent’s most invaluable assets is access to the Multiple Listing Service,
which can easily locate and provide details on recently finished, in-process or preconstruction homes. It simplifies the process of hunting for a home and provides the most comprehensive listings and information on available homes for sale in a given area. “I would always advise speaking with a Realtor who is knowledgeable about the area in which you are interested,” says Steven Kleiman, Oakington Realty in Houston. “Finding a Realtor or licensed broker who specializes in finding lots can be very useful. Realtors who know specific
neighborhoods typically know about homes or lots that are going to come up for sale before they are actually listed.” Kleiman says he also suggests asking the broker “if he or she has relationships with any new homebuilders in your area.” Indeed, the builders themselves may be another smart starting point - if you know of a builder in your area, visit that firm’s Web site to learn of any forthcoming developments or spec homes for sale nearby, says Swerdlow. “Many builders and developers post signs on properties once they purchase them to try and secure a buyer early on,” Kleiman says. “If a prospective buyer finds a builder whose products he or she likes and the builder is a person with whom the buyer would want to work with, I would advise speaking with these builders about lots they know about.” Lastly, Swerdlow cautions buyers to perform their due diligence prior to crafting a new home from the ground up. “Before deciding to build a new house, make sure you search extensively for what the market has to offer,” says Swerdlow. “There is no need to waste time, money and energy building a home if your dream home is already for sale in your area.”
Did you know? Consumer Visits to
edinarealty.com
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OPEN SUNDAY 12-1:15
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Everything on main level! 3 BR, 2 bath, huge unfinished LL. Great neighborhood by Target and Cub. $309,900
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Nice newer home, nice pond location & 6 car garage. Oversized deck off 4 season porch enjoys .34 acre lot with Pam mature area behind. 3 BR, Gillespie 507-645-1181 2 BA. $249,900
Nearly 3/4 acre of privacy & woods in this meticulous Wangs Woods home. A retreat right in town! Many extras. Pam Cedar ave. to North Ave. to Gillespie Woodland Trail. $319,900 507-645-1181
OPEN SUNDAY 1:30-2:30
714 Bluff Dr. - Lonsdale Amazing Bargain! Bank owned Home! 2,300 square feet. Full Walkout! $204,500
OPEN SUNDAY 1:30-2:45
1201 Highland Avenue
1119 Nevada Street
Fabulous family 4 BR, 2 bath home with many updates & new appliances. Huge yard. Lower walkout. $199,900
Nancy McGregor 507-645-1171
OPEN SUNDAY 1:30-3
604 Primrose
Perfect 10! 4 BR’s upstairs, 2 staircases, walk-out, large private yard on golf course. Paul & Juliette Beautiful landscaping. Reiland $479,900 952-292-5999
OPEN SUNDAY 3-4
Fabulous town home, everything on one level. All new flooring and very well maintained. $113,100
Nancy McGregor 507-645-1171
With around 1.5 million visits per month, more consumers come to www.edinarealty.com than any other real estate Web site in our market. In fact, of the top regional Internet information sites – including those of top television channels and newspapers – www.edinarealty.com is the only real estate Web site to appear in The Media Audit’s top 30 ranked Web sites among 25 – 34 year olds in 2006. That means more people turn to www.edinarealty.com to search for properties, providing greater exposure to our clients’ listings.
OPEN SUNDAY 1-3
843 Headley Court
Very cute and clean townhouse. Nicely updated and ready to move in. Fantastic starter home Scott Paul & Juliette at a great price with quick close Douville Reiland possible. $109,900 507-581-9820 952-292-5999
1515 Pheasantwood Tr.
Beautiful end unit, main floor living room with many, many updates and finished lower level. Seller pays $5,000 Nancy towards buyers closing costs. McGregor $195,000 507-645-1171
2119 Hidden Valley Rd.
Newly painted, new carpet, Pergo floors and many updates. Vaulted 2 story living room with open stair case and balcony. A must see! $167,900
Nancy McGregor 507-645-1171
NEW LISTING
1004 Superior Dr.
300 9th St. W.
Gorgeous 5 BR, 4 bath home with many extras. LL finished in 2008, previous model. Still looks fabulous! $409,900
Nancy McGregor 507-645-1171
Why rent? Take advantage of the market and own this cozy rambler close to downtown. $159,900
1011 Lonsdale Blvd.
13561 Fox Lake Tr.
Pete Mergens 612-741-4257
Incredible opportunity! 190’+ feet of lake shore with spectacular views. Build your own dream home or enjoy as is. $129,900
Pete Mergens 612-741-4257
Incredible opportunity! 4 BR, 3 bath walkout rambler. Nestled on 35 wooded acres. 48x96 heated outbuilding. A truly spectacular property! $799,900
9 Park Lane
1704 Washington
Pete Mergens 612-741-4257
Excellent value! Single level townhome with pond view. 2 bedroom, 2 bath, also features a spacious design and a sunroom. $179,900
Pete Mergens 612-741-4257
Darling 3 BR on one floor near the golf course and pool. Refinished hardwood floors, new carpet, new window inserts Pat & fresh paint on the main. Johnson new 200 amp service. Nicely 507-271-1656 landscaped! $164,900
NEW LISTING
525 Gooseberry Ln - Dundas
Elegant, affordable and carefree living. Rare 3 BR, 3 BA townhome in like new condition. Great location - just Suzanne minutes from shopping in Terry peaceful rural area. $155,900 507-210-0740
XXX Circle Bluff Trail
Build your dream home on Circle Lake! Choose between lake front or lake access. 1-6 acres starting at $64,900+.
Wendy Thorpe 952-201-2020
PRICE REDUCED
510 Washington St.
3 BR, 2 bath home with updates. Large fenced yard. Zoned SF & commercial. Blocks from downtown, library and Carleton. $184,500
1120 Spring Street S
Nancy McGregor 507-645-1171
1610 Sunset Drive
1100 Bollenbacher Ct.
One level living. Large rambler on beautiful corner lot with 3 BR, 3 bath. Master has private bath. Spacious eat-in kitchen has Lynn newer appliances. Large deck off Stowall back. 2 car attached. $169,900 612-306-2211
Beautiful commercial property w/ 7,578 finished sq. ft. on 4 parcels along Cannon River. Formerly Village School. $1,200,000
Wendy Thorpe 952-201-2020
Elegant 3 BR, 3 bath townhome in prestigious golf course community. Oak floors, fireplace, panoramic views. $189,000
1480 Hwy 3 South
Wendy Thorpe 952-201-2020
Excellent commercial property w/ Hwy 3 South frontage. 6.24 acres w/ 2 office bldgs, pole barns & pond. Call for info! $895,000
1411 Presidential Drive
Beautiful 2BR, 2BA townhome in convenient location near schools. New carpeting Wendy Wendy & designer paint makes this a Thorpe Thorpe 952-201-2020 great value! $139,900 952-201-2020
NEW LISTING
2708 Brockman Court
Former TWH model -total upgrades! 2BR, 2 BA, fireplace, window seats & balcony with great views. Very clean! $132,500
Bob Stangler 507-581-9373
1617 Cannon Valley Dr. Gorgeous 4 BR, 3 full bath home with many extras. In-ground sprinkler. Full master bath with jett tub. Motivated sellers! $279,500
Bob Stangler 507-581-9373
1518 Judicial Road Spectacular corner twinhome, 2 BR, 3 bath. Large family room. Great location. Great price! Clean, looks like new $148,500
109 1st St. N - Nerstrand
Bob Stangler 507-581-9373
Great opportunity for light TLC ! Equity! Spacious 3 BR house on large lot, 4 car garage. $125,000
Bob Stangler 507-581-9373
PAGE
www.northfieldnews.com Saturday-Sunday, October 4-5, 2008
The bittersweet vine can brighten your fall landscape 8 Yard Notes Leif Knecht
Guest Columnist One of the native plants that can make a striking statement in the fall landscape is the bittersweet vine. With brilliant orange clusters of fruit hanging on winding vines and curling
tendrils, bittersweet brings its vivid display of color to the landscape just as other plants are fading. Out in the countryside around Northfield, wild Bittersweet vine can be found here and there growing on fence lines, along railroad rights of way and climbing up trees of many sizes to reach for sunlight. While Bittersweet is sometimes found in heavier woodlands, it seems to prefer edges, openings, and areas disturbed by some kind of activity, where it can access
more sunlight. Once the firm orange fruits – 3/8” to 1`/2” in diameter open to reveal a very deep orange flesh, they usually persist on the vines throughout the winter, or until they are eaten by birds and other wildlife. This habit of persisting on the vine and retaining excellent color for many months makes Bittersweet berries one of the most visually stimulating native plants. While wild Bittersweet vine is not rare, it is not so common as to be common
place. Many people like to add a bit of Bittersweet vine to fall bouquets, arrangements and wreaths decorating their household. If you harvest wild Bittersweet, take care not to overharvest. Take enough to get a fix of color and leave some to seed in future generations and for the wildlife. Mike Behrens is a Northfielder who is frequently out in the fields and forest of Rice county and has developed a deep appreciation for Bittersweet. Mike graciously collected and propagated
wild Bittersweet seed and brought a tray of seedlings down to the nursery so that we and others could someday enjoy this hardy and disease free plant. For several years, we have been nurturing Mike’s Bittersweet babies and they have now become impressive specimens, loaded with bright orange clusters and waiting to be adopted. It is especially nice to have local genetics in these vines since their color and form is superior to some of the cultivars commonly available in the
nursery trade. If you want to invite Bittersweet vine into your landscape, be sure to have a good sized fence, trellis or arbor, large enough for several vines, since you will need to have at least one male vine to serve as the pollinator for one or more female vines that produce the showy berries. Once established, a mass of Bittersweet vine can delight the eye for several decades to come.
Give potential buyers a Web of opportunity to look A walk-through on the ‘net is getting buyers through the front door to take a closer look at a home By david silva CTW Features When real estate agencies first began offering virtual tours of properties on their Web sites in the mid1990s, they knew they were onto something big. Their clients raved about the new technology, which allowed them not only to explore every room of a for-sale property without leaving their homes but increased by orders of magnitude the number of properties they could view in a single day. Sales jumped dramatically, as did wordof-mouth business. What Realtors hadn’t fully appreciated was just how big an impact multimedia would have on their industry. Within five years, a Realtor’s ability to grasp and incorporate emerging computer technologies would become the dividing line between having a successful business and going the way of the dinosaurs. In real estate, multimedia had found the perfect home. “Our latest statistics from the National Association of Realtors show that more than 85 percent of homebuyers are going online first before physically looking at a home,” says Jenny Getz, a Realtor whose Valencia, Calif., agency, Jenny Getz It Sold, is affiliated with Keller Williams Realty. Getz, 32, came of age just as online media was coming into its own, and her success in the Realty business was and remains intimately connected to the success of the Internet. Her Web site, JennyGetzItDone. com, is a virtual catalogue of newly perfected and emerging multimedia technologies. From her home page, visitors can view her “Deal of the Day” video pod message; sign up for RSS feeds allowing subscribers to share and distribute
Web content; link to Getz’ online discussion forum; view foreclosure listings in the Santa Clarita area; and, of course, “virtually tour” countless properties. Getz is, in a sense, a poster child for how to leverage the Web. While her business is definitely hurting from the market downturn - she expects to close half the deals this year over last - she credits her tech-savvy approach to real estate with keeping her company firmly in the game. Getz and other multimedia experts see the near future of real-estate multimedia, and what they see has two names: Web 2.0 - a broad term for Internet technology and design that allows for the instant sharing of information and collaboration with other users and hand-held devices. “Right now, the big thing is IDX - Internet Data Exchange,” she says. “We’re directly linked to the Multiple Listing Service, and our agents have the capability of going in and doing automatic updates of information. I can look up Suzie Smith, who’s looking for a home with a pool for under $500,000. If an agent puts an update on such a property at 5 p.m., Suzie gets an e-mail at 5:01.” TourFactory.com, a Spokane, Wash., firm that holds some of the original patents on virtual tours, is focused heavily on hand-held technology as a way to ride the next big wave of industryaltering multimedia. “If you look at the way the Web has evolved, it’s become something that you can take with you, something with iPod-style multimedia,” says TourFactor. com Chief Information Officer William Haney. “We’ve made a product, based on virtual tours, which creates video available to download on your iPod or whatever you carry with you. You can your company’s entire inventory available to you wherever you go. If you have Web 2.0 available, you can plug your virtual tour in and constantly update on your site - you just plug into one of its forms. A lot of people have custom Web sites, and a lot of the newer sites are enabled with XML, so somebody gets a little
block of code, drops the code in and the inventory will be maintained. It’s constantly kept up to date.” The technology is so cutting-edge that even Getz says she hasn’t fully exploit-
ed it - yet. “One of the things we’re working on is having updates that are sent through e-mail to cell phones,” she says. “We’re already using text and working on getting
pictures and such. That’s pretty new. If you find an agent doing that, they’re pretty savvy.” Not for long. Metro Brokers Real Estate Inc., an association of more than
Local church news every Saturday.
South Metro
W
e lost the Northfield Public Library’s Annual Spelling Bee….
O-P-P-O-R-T-U-N-I-T-Y!
But we still know how to spell
Now is the Time to Buy… And Here’s Some Reasons Why:
Interest Rates Are Low Prices Are Low Great Inventory Motivated Sellers Experienced Agents
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www.northfieldnews.com
(c) CTW Features
Coldwell Banker
$229,900
Have a little faith.
2,000 independent realestate brokers operating in Colorado, announced on July 10 it would adopt the Terablitz home-search application for iPhone. Terablitz is a Silicon Valleybased software firm. But despite the tech industry’s focus on all things new, virtual tours remain the Internet darling of the real-estate industry. “In this economy, I think everybody’s trying to save money,” says Haney. “Virtual tours serve the purpose of consolidating marketing efforts. You can bring in more potential customers to centralized locations, get the word out through different syndicated options, and still maintain your reach among newer generations, Gen X and Gen Y. Even in the market downturn, you have to be responsive.
ColdwellBanker.com
SATURDAY-SUNDAY, OCTOBER 4-5, 2008
WWW.NORTHFIELDNEWS.COM
PAGE 3C
Ask Our Broker: Answering your real estate questions By PETER G. MILLER CTW Features Q: I’m a real-estate note broker. I sell deeds of trust, mortgages and help owners get equity out of their homes. I’ve been doing so for about four months now. Investors are often associated with greed, unfair deals, fraud and scammers. I’m a broker who deals with investors and with mine this is not the case. How can I educate the public and realestate agents regarding the good things that come out of relationships with note brokers and investors? Such as working with lower credit Miller scores, helping to prevent foreclosure, helping to get equity out of homes and working with consumers when lenders turn their backs? With seller financing, once the seller has the note for about six to
12 months it can be a great Today such deals are history. option to sell it. That would Mortgages are no longer be a win/win situation! “freely assumable,” instead they either cannot be assumed or A: Having been in the busi- they’re “qualified” assumptions, ness for all of four months it’s meaning that the new borrower unlikely that you’ve encountered must be acceptable to the lender. the entire investment universe, Lenders usually say no to such but your larger point is generally requests, but with today’s growon target: Most people, in most ing foreclosure numbers more businesses, act fairly. Moreover, lenders might agree to assumpthe pursuit of more profit, a big- tions. ger salary and more income is In my transaction there was hardly restricted to note bro- no note broker. The paperwork kers. was written by the seller’s attorThat said, given the avail- ney, reviewed by my lawyer and ability of financing with little or placed in the public records. The nothing down, the need for sell- note was never sold. er notes is minimal. Most ownGiven the mortgage marketers instead want cash at closing place, we may see an increase from the sale of their property so in seller take-backs. However, they can finance the purchase of since such loans usually are seca replacement home. ond mortgages, they are risky As it happens, long ago one and selling such notes may not of the first homes I bought was be possible without a steep disfinanced with a seller take-back. count. I put down 10 percent of the purOwners with an interest in chase price, assumed an exist- taking back a loan should qualify ing first mortgage and the seller buyers in the same way as lendprovided a substantial second ers by requiring tax returns and loan. other documentation. The loan I made every payment and ul- should be in a form provided timately repaid the seller’s note by the owner’s lawyer. If a seller in full. It was a great deal for me take-back is part of a purchase and worked well for the seller. offer, acceptance of that offer
‘T WAS PUZZLING BY CATHY ALLIS MILLHAUSER EDITED BY WILL SHORTZ
ACROSS 1 Butcher shop purchase Opportunity is knocking for 6 Some foreign pen 1st Time Home Buyers! pals • Lowest home prices in years. 10 Photo paper option 15 [How dare you!] • Great interest rates. 19 Song sung by Gwen • $7,500 tax credit if you move now. in Broadway’s “Chicago” 20 Radio host/pianist Call Terri Today for John 21 Greek market of old More Details! 22 “The Lion King” lioness 23 When jerks come out? Cell 612-309-6767 • terridixon@remax.net 26 X out 27 Pertinent to the Beautiful Historic Home! discussion 28 Kind of dialysis open House 29 Novice saturday October 4 • 1-3 pm 31 “A Doll’s House” wife Historic, beautifully 32 Wishes undone architecturally designed home! 33 Some people or Features custom built-ins, food at parties 2 fireplaces, formal dining and living room, hardwood 34 Nonkosher flooring throughout the home, sandwiches main floor laundry and 3 same 38 String around a cake floor bedrooms. Two kitchens. box? Full 3 stories with large 211 NW 2nd St., New Prague 41 City near Tel Aviv porch. Located on beautifully 507-317-4244 landscaped .53 acre lot. 44 Moistens again Oversized garage and new 46 Once-in-a-lifetime shingles in 07. This fine home exchange, maybe would make a stately single 47 Texas county, river family or a wonderful bed and breakfast! or forest that’s a girl’s first 507-345-1111 name View all of our listings online at: $359,900 49 Vinegar: Prefix www.weichertcommunitygroup.com 50 AOL alternative Each OfficE indEpEndEntly OwnEd & OpEratEd 52 Bridge 8333 om llmn.c 331 333 53 Men or women who e s 2 2 -33 o ist 33 r ass pinch? “Full Service with $avings!” 58 “New Look” OPEN HOuSES designer of 1947 Oct. 4th 10am - 2pm Oct. 4th & 11th 10am - Noon 59 Charity’s urging 60 Orbital point $319,900 $139,900 $219,900 62 Dope 2018 Paulis Dr. 825 12th St. SW 1734 Patricks Bay 64 Appeal to Faribault Faribault Faribault 5 BR, 3 BA 6-panel oak 3 BR, 1.5 BA 5 BR, 3 BA, 66 Penseur’s thought doors 6+ car garage Family room 3 car garage, fireplace 67 Speck Lot on Chestnut Ave, Northfield……$89,900 Lots in Country Club Estates, Faribault....$37,400 402 Pondsview Dr, Lonsdale...........$349,900 18146 Faribault Blvd.....................$219,900 68 Prefix with -crat Why pay 6%? We’ll sell your home for only $2,995 70 Hair stuff 71 Mushroom stalks 73 Dress-up costume piece 75 Month in a Faulkner title 77 One of Woody’s stock at Woodstock 78 Nerd’s essence? 82 Unlikely to run 87 Legal eagles’ org. Published every 88 Come up 89 Capital of South Wednesday. Australia 90 French Polynesia constituents 93 Lauds 94 Thrice, in www.northfieldnews.com AIR CON prescriptions e 24 H me! om 95 Roast the other side r of Modular emier” Deale Pr ta eso A “Minn of the marshmallow? 99 Novelist’s need 100 W.W. II gun 101 “Let’s just leave ___ n . ails tio alla sultant for det $ deo Inst advertising con Audio-Vi that” 15 or ask your 576 or 645-56 ory Care em M A g/ Call 507-645-8 S W Livin TIMATE Assisted d 102 Teri Garr’s “Young Customize FREE ES Tile Jun al Stone & Living! Architectur Frankenstein” role b Hu ne ion tio Gaelic Sto lattio lla allla ta 104 Certain celebrant 107 Legislative t of Faribaul assemblies mes Buying Ho 108 “Praise the Lord!” pair Boat Re 112 A leveret is a young one TM
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Q: I would like to put my son and his wife on the title of a townhouse that I own. Does the mortgage company have the right to call the loan when this is done? Is there any way to avoid renegotiating a new loan for the outstanding principal due? A: When there is “a transfer where the spouse or children of the borrower become an owner of the property,” then a lender cannot use a due-on-sale clause to call the loan on a residential property, according to the GarnSt. Germain Act. That said, there are other questions you need to ask in this situation. First, can you simply add both your son and daughter-inlaw to the title? Or must you add your son first and then his wife? (Your daughter-in-law is not your spouse or child, she is your
son’s spouse, and right now he’s not on the title.) Second, how should title be held? For instance, should there be an automatic right of survivorship? Third, what happens if your son and his wife separate? These things do happen. Fourth, what transfer taxes potentially thousands of dollars - are involved in a title change? Ask if names can be added to the title in exchange for “good” consideration - not cash but instead love and affection. In this way there may be no transfer taxes to pay. This is not a do-it-yourself job. Please see a real-estate attorney for specifics in your jurisdiction. Also, you, your son and his spouse should each have current wills and living wills. (c) CTW Features Need real estate advice? Peter G. Miller, author of “The Common-Sense Mortgage,” would like to hear from you. Send your questions to peter@ctwfeatures.com. Due to the volume received, not all letters may be answered.
The New York Times Crossword Puzzle
Totally Confused By Today’s Real Estate Market??
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should be contingent on a review of the borrower’s finances which must be “satisfactory” to the seller. For specifics, owners should speak with a real-estate attorney before signing any paperwork.
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T R U E T O U P I R E T R I M P A Z
Z W O O A O N A N I V E R I N E E S F I S S A N D E B U M O P U S A R T E S S U S H A M M E E L E N D B A L R A R A I E R I N E A S O N J H E L I O O L E A L A C D E S E S
42 Low tie 43 Strawberry of note 45 Off-campus local 48 City near Milan 50 Outback buddy 51 Shooting sport 52 Second-century year 54 St. Louis’s ___ Bridge 55 Nagpur noble 56 Fern germ 57 These, to Juan 61 Rusty on the diamond 62 Utah’s lily 63 Pitcher of a perfect game, 9/9/65 64 “Vigilant ___ to steal cream”: Falstaff 65 Walked with a purpose 69 Wahine’s dance 72 Shooting game 74 Addams family cousin 76 Spaghetti ___ 79 Hops kiln 80 Analogy phrase 81 Battery part 83 A large number 84 JPEG or text
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111 116
D L O T T E A R S I T Y G E S S H S T E T S R P A A Z I N E E L K R T H R O S A S A G F E L N T R A B E A N A R S A D D E T E L C O S I O N
T O S I R H O M E L Y
C A S E R T A C O W P E A
S L A G N E C T A
H E Q U U B U R T R E S O E I Y N N E A M E L T O L I T R A S H I T S E A U R L L E D M S S L E E E D E A F I R C T A S E W T I V E E N S E N G O L
E N S L E R E N T S S P R E E S S A
85 Score just before victory, maybe 86 Fall mo. 90 Weeping 91 Rimes with the 1996 hit “Blue” 92 Subjects of many legal battles 93 Goad 96 Garage container 97 Native American home 98 Waiting at the bank, say 100 Beginnings 103 Localities 104 Dr. with advice in O magazine 105 Level 106 Monopoly game token 107 Whine 109 Place to play b-ball 110 Give orders like a drill sergeant 111 “Night” author Wiesel 114 Fact finisher 115 Hydroelectric org. 116 Mormons, initially