Parade 04-14 by The Southern Illinoisan

S U N D AY, A P R I L 1 4 , 2 0 1 3

AME竏終CA SAVES

TIME TO GET BACK IN THE HOUSING GAME? Expert tips and tricks for navigating the new rules of real estate

’S

PARADE

last month of her life as she was living it, the highs and lows,” SUNDAY says executive producer Shari Scorca. “Then Enter for a chance to win a signed copy we’ll transition of Michael Bublé’s to how her family To Be Loved at parade is dealing with the .com/win loss.” Rivera’s ﬁve children, ages 12 to 27, are working to preserve her legacy, Scorca adds. “Jenni’s mantra was ‘Finish what you start,’ so that’s how we’ll honor her.”

FREEBIE

Willie Nelson

Q: Willie Nelson is an avid environmentalist. How does he stay green on tour? —Tom M., Mesa, Ariz. A: “All my buses run on BioWillie,” says the 79-year-old country icon, referring to a diesel fuel alternative produced in the U.S. by a company he started. Made partly from vegetable oil, it results in 70 percent fewer harmful emissions, according to the BioWillie website. Says the singer, whose album Let’s Face the Music and Dance comes out April 16, “It’s the way of the future.”

Jenni Rivera

Q: How is Jenni Rivera’s death being handled on her reality show? —Eve P., Berry, Ky.

A: When the MexicanAmerican singer died Dec. 9 at age 43 in a plane crash in northern Mexico, she was ﬁlming the third season of her show I Love Jenni (mun2, Sundays). “Fans will get to see the

WALTER SCOTT ASKS…

MICHAEL BUBLÉ

The musician, 37, has a new album, To Be Loved, out on April 23.

This record is a mix of covers and songs you’ve written. How do you breathe new life into the classics? I inflict new life upon them! I use what I’ve gone through in my own life, like heartbreak, love, and loss. If you believe in the words, you give your audience no choice but to believe with you. Your single “It’s a Beautiful Day” is such a happy breakup tune. Yeah, it’s revenge! I wanted to write a song that empowered anyone going through that and give them hope. You and your wife (actress Luisana Lopilato) are expecting a baby in August. What are you looking forward to about fatherhood? Everything! We’re so happy, we keep high-ﬁving each other. We want to have three or four kids someday. I hope I can be a good dad—I don’t have a clue what I’m doing. (He sings his wife’s favorite song at parade.com/buble) Send questions to personality@parade.com or P.O. Box 5001, Grand Central Station, New York, N.Y. 10163-5001.

Oteri, Andy Dick, and D. L. Hughley are among those scheduled—vying to pull off the most outrageous practical joke on unsuspecting victims. “I love watching pranks,” Faison says, “but I hate talking about the one I pulled on Zach. I’m afraid karma will bite me back.” Q: I heard that Alexis Bledel learned Spanish before English. True? —Debra P., Oshkosh, Wis.

A: Sí! Bledel’s father is from Argentina and her mother was raised in Mexico. “Spanish was my ﬁrst language,” says the actress, 31. “My parents spoke it to me when I was a baby, and I learned

Q: What’s the best prank Donald Faison has ever played on someone? —Brian W., Hot Springs, Ark.

A: “On a [March 2005] episode of Punk’d, I got Zach Braff really good,” Faison says. “I had a bunch of kids pretend to spray-paint his brandnew black Porsche. He lost his mind!” Faison, 38, returns to pranking as host of TBS’s Who Gets the Last Laugh? (premiering April 16). Each episode will feature three comedians—Cheri

Donald Faison, host of the new prankster show Who Gets the Last Laugh?

Alexis Bledel

English when I went to preschool.” Bledel, who stars in the Hallmark Hall of Fame’s romantic drama Remember Sunday (ABC, April 21), has some relationship news of her own: In March she got engaged to her former Mad Men castmate Vincent Kartheiser.

PHOTOS, CLOCKWISE FROM TOP LEFT: GARY MILLER/FILMMAGIC; WARWICK SAINT; JASON KEMPIN/GETTY IMAGES; RICHARD HEYES/ALAMY; GREGG DEGUIRE/WIREIMAGE; INDEED/GETTY IMAGES; RODRIGO VARELA/GETTY IMAGES

TE WA L

OT T C S R

2 • APRIL 14, 2013

celebrity Ta Take your favorite pop culture coverage from P PARADE with you everywhere. That’s celebrity n news, interviews, photo galleries and more. D Don’t forget Walter Scott’s Personality PARADE p plus our addictive pop culture quiz.

GET IT FREE TODAY

TH THE HE H WR RITE R WRITE STU UFF U STUFF

On the eve of the 2013 Pulitzer Prize announcements, get inspired by reporting at its very best: Roy Harris, author of Pulitzer’s Gold: Behind the Prize for Public Service Journalism, highlights some of his favorite winners of the prestigious award at parade parade.com/medal

EDITORS’ PLAYLIST NEW SONGS WE’RE LOVING The Mavericks “Fall Apart”” A wistful breakup number that would make Herb Alpert smile.

TAXES DONE?

Before you begin refilling shoe boxes with receipts, take a moment to get your financial house in order with tips on your insurance, cell phone contract, cable bill, and more at parade.com/finances. And scan the code above to learn how to get a free credit report from Wells Fargo through April 15 (so hurry!).

TOPS ON TV The HBO ﬁlm Mary and d Martha (April 20) boastss loads of talent and a message that will save lives. s. Brenda Blethyn and Hilary ilary Swank play women who ho meet after each loses a son to malaria in Africa; a; together they work to help children who remain at risk. Tune in, then see how you can make a difference ence at malarianomore.org..

CAN YOUR DOG

DO THIS?

Photographer Theron Humphrey’s rescue hound, Maddie, has an amazing ability: She can keep her balance atop almost anything, from a horse to a tree branch. In his book Maddie on Things, Humphrey presents 120 delightful photos of his beautiful dog doing her thing. For more, go to parade.com/maddie

The Band Perry “Done”” The sibs’ new single is proof that calling it quits can be triumphant and upbeat. Boz Scaggs “So Good to Be Here” This Al Green cover is a master class in classic Memphis soul.

Dido “Let Us Move On” The ethereal singer is back in top form, sharing the beat with rapper Kendrick Lamar. Walk Off the Earth “Red Hands” These YouTube darlings bring stomping rhythms and sweet harmonies.

LOOKING TO

SAVE?

Find discounts on entertainment and travel at AARPdiscounts .com/deal

PHOTOS, CLOCKWISE FROM TOP RIGHT: SIEDE PREIS/GETTY IMAGES; AMY FUCCI; TAYLOR HILL/WIREIMAGE; DEBORAH FEINGOLD; GUY AROCH; SHAWN VAN DAELE; CREATIVE CROP/GETTY IMAGES; CHRONICLE BOOKS; DAVID BLOOMER/HBO; ISTOCKPHOTO

Parade

4 • APRIL 14, 2013

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• Take off shoes to reduce tracking pollen indoors. • Take a few minutes each day to clean spots where dust gathers in your home. • Plan outdoor activities for early morning or late evening when pollen counts are lowest. For more simple tips visit: www.Walmart.com/Health These statements are not intended to treat or diagnose and are not medical advice.

little changes. big savings.

Prices may vary in Alaska and Hawaii.

AME∏ICA SAVES

WHAT’S YOUR NEXT MOVE? After taking a beating during the Great Recession, the housing market is ﬁnally staggering back to its feet—but millions of Americans are wondering: Is it safe to get back in the real estate game? By Kate Rockwood Cover illustration by Joe Zeff Design Opening illustration by Eric Palma

“it made so much sense at the time,” says Maura C. of the Chicago condo she and her husband purchased in 2009. The 30-something couple— motivated in part by the $8,000 federal tax credit for ﬁrst-time homeowners—decided to buy the $310,000 two-bedroom unit shortly after their wedding. “I’d been a renter for more than a decade,” Maura says, “but I never doubted that I would eventually own. In my mind, it was an integral part of building a future for myself and my family.” Fast-forward four years and their apartment is underwater. A neighboring unit went through a short sale last summer, going for just $220,000, and another condo in the building is on the market for $243,000. Now pregnant with her second child, Maura wants to eat the loss and buy a larger home. “Prices are starting to come back up, and interest rates are so low.

6 • APRIL 14, 2013

If we wait to get above water, we’ll miss our chance,” she says. But first, Maura has to convince her husband, Paul. “He feels trapped by the whole situation,” she says. “For him, renting would mean regaining our freedom and flexibility. But I grew up dreaming of having a ‘forever home.’ I just can’t let go of that idea.” Maura and Paul are not alone. As statistics hint at a budding housing recovery, millions are struggling with the same questions. Is it time to get back in the game? Can we trust the market again? And perhaps the most difficult question of all: Is owning a home still the right dream?

ARE YOU MARKET READY? Were you hit by the housing crash? Have you recently tried to sell a home—or are you ready to buy again? Take our real estate poll and tell us how you feel about home ownership today at parade.com/realestate

recovers, it goes like gangbusters,” says real estate mogul Barbara Corcoran. “But this is the fastest comeback I’ve seen.” Celia Chen, a housing analyst with Moody’s Analytics, expects to see continued growth for the next few years. If you’re ready to buy a home, this is a good time to do it, she says. But in today’s post-bubble market, how should we deﬁne “ready”? “Home ownership makes

sense only if you can buy toward the future you want for yourself and your family,” says Ilyce Glink, head of the ﬁnancial website ThinkGlink.com and author of Buy, Close, Move In! “You shouldn’t buy a one-bedroom condo if you want to have kids in the next ﬁve years. If you’re looking to retire but the thought of monthly payments keeps you up at night, you’re far better off skipping the mortgage—even if

interest rates are at 3 percent. And whoever you are, you should plan to be there for a minimum of 10 years.” That means staying not just in your home but also in the town and region. Think about the area schools and amenities, and how they’ll align with your needs over the next decade. Consider the stability of your current job, as well as your career prospects if your company were to close or lay off employees. In today’s job market, many workers ﬁnd themselves having to relocate for new opportunities. In that scenario, a home—especially one that’s underwater or

WE TEAMED UP WITH REALTOR.COM TO BRING YOU A SAMPLING OF UNIQUE HOMES FOR SALE—FROM $150,000 TO NEARLY $2 MILLION—ACROSS AMERICA —Vi-An Nguyen

AVAILABILITY AND PRICES OF HOMES AT PRESS TIME ARE SUBJECT TO CHANGE

The Housing Horizon

One thing is certain, says Jed Kolko, chief economist and head of analytics for real estate site Trulia.com: “The rebound is real.” After U.S. home prices hit rock bottom in the ﬁrst quarter of 2012 (plummeting nearly 30 percent since early 2008), they rose over the next nine months, according to the Case-Shiller home price index. The National Association of Realtors recently reported that the median existing home price in February was $173,600, up 11.6 percent from a year ago. And fewer listings are languishing, which means buyers are making choices faster. The median time it took to sell a house in January was 108 days, down from 119 days in January 2012, per Realtor.com. “When any housing recession

WHAT YOU CAN GET

FOR UNDER

$200,000

RIVER VIEW

ZEN OASIS

COLONIAL ELEGANCE

This two-bedroom cottage may be on the small side, but it doesn’t lack for charm. Victorian trimmings give the home a bed-andbreakfast feel, and a backyard deck overlooks the historic Edmund Pettus Bridge spanning the Alabama River.

The pièce de résistance of this three-bedroom, 1,685-squarefoot ranch is the authentic Japanese garden, complete with koi and water lily ponds, lush foliage, and a 19th-century tileroofed farmhouse for outdoor entertaining.

The stately columns and classic wooden shutters on this fourbedroom, 2,800-square-foot home give it a sophisticated air. Upscale interior details like builtin oak cabinets, French doors, and crown molding continue the look inside.

SELMA, ALA. / $150,000

TUCSON / $198,000

ABILENE, KAN. / $195,000

APRIL 14, 2013 • 7

WHAT YOU CAN GET FOR

$200,000 TO

$300,000

21ST-CENTURY CABIN

BAY-SIDE COTTAGE

MILE-HIGH LIVING

LEXINGTON, S.C. / $230,000

BELFAST, ME. / $219,000

DENVER / $275,000

This lodgelike property balances a rustic exterior—cedar siding, a pond-view balcony, a detached barn, and a tranquil 1.2-acre woodsy setting—with modern indoor amenities like a gas ﬁreplace, a whirlpool tub, and a builtin entertainment center.

At 768 square feet, this twobedroom, one-bathroom home is one of the smallest on our list. But it comes with a private 8.25acre waterfront lot on Belfast Bay, and walls of windows mean you can enjoy the view even on Maine’s coldest winter days.

Situated inside a turn-of-thecentury former school, this one-bedroom, 1,162-square-foot condo has a private entrance and spacious deck. Inside, two ﬂoors are linked by a spiral staircase, and 18-foot ceilings and extra-tall windows let in lots of light.

buyers beware. “These high growth rates aren’t sustainable,” says Chen, and new owners shouldn’t expect huge price gains to continue year over year. “Twenty percent jumps are too good to be true for long.” Elsewhere, the rebound is softer. New Jersey, Florida, and Illinois, among other states, require judicial foreclosures, a process that can drag through the courts, so distressed homes in those states will continue to trickle onto the market for years. Other economic factors come into play, too. “In Chicago, for instance, job growth is weaker than in most of the country, and the bubble didn’t hit as hard,” says Kolko. “That means prices are rising more slowly.” 2 | Investigate your ability

Before You Leap

Ready to start cruising the real estate listings? First, experts recommend taking three steps.

1 | Look at the local market.

National statistics don’t necessarily apply in your own backyard. “With real estate, it’s local numbers that really tell the story,” says Errol Samuelson, president of Realtor.com. “And the variances between local

markets are staggering.” On one end of the spectrum: the impressive comebacks experienced by some of the towns and cities most affected by the crash. Prices are up about 20 percent in Sacramento and Phoenix, for example. But

to get a loan.

Today, banks are much more tightﬁsted than they were a few years ago, meaning it’s tougher to get a mortgage—much less those tantalizingly low rates— than ever before. Generally speaking, a home

A BIG THANK YOU TO HASBRO for allowing us to use the Monopoly game in our cover image. It seemed a perfect choice given that the ﬁrst house many of us bought was a little green one. This fall, the newest edition of the game will be released with a cat token replacing the Depression-era iron.

PHOTO, CENTER: SARAH SZWAJIKOS

tough to sell—could become a millstone. During the Great Recession, the number of longdistance moves sank to record lows in part because many job seekers were trapped in a frozen housing market.

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WHAT YOU CAN GET FOR

“Housing should not be viewed simply as an investment vehicle,” says Chen. “I’m afraid that attitude could come back: Home prices start rising, investors pile into the market and

$400,000

3 | Reconsider your reasons.

$300,000 TO

buyer would need a credit score of 760 or higher for the best mortgage rates, says Lawrence Yun, chief economist for the National Association of Realtors. Even a respectable score of 700 to 720 may require additional fees, such as insurance. “Below 700, you’ll probably have to rethink your expectations,” says Yun. The good news: The credit market is expected to loosen this year or next, though interest rates may well rise at the same time. For now, says Glink, the best way for buyers to look more attractive to banks is to make a bigger down payment—think 20 percent or even more. (This will, of course, have the added beneﬁt of minimizing your monthly mortgage payments.) “In years past, homeowners were getting mortgages with no money down or interest-only payments,” she says. “Now there’s been a sea change. More people are strategically buying less home than they can afford. They’re asking: How can I spend less than my max to afford the life I want to live?” And at a time when tens of millions of Americans are living paycheck-to-paycheck, that ﬁnancial breathing room can mean the difference between security and sleepless nights.

ROOMY TOWN HOUSE PORTLAND, ORE. / $350,000

At nearly 2,000 square feet, this updated home has plenty of space for families. The property includes a private, plant-ﬁlled backyard, plus access to a common garden and pool.

URBAN LOFT CHICAGO / $330,000

This two-bedroom, 1,200square-foot condo has a prime spot inside Chicago’s Cinema Lofts, a 1926 building formerly home to the Belmont Theater. The unit features high ceilings, hardwood ﬂoors, and a balcony.

SPRAWLING TUDOR LUDINGTON, MICH. / $397,000

With seven bedrooms and more than 5,000 square feet, this 1888 Victorian mansion once operated as a bed-andbreakfast. A separate carriage house contains three rentable apartments.

Legal Notice

If You Had Unexplained Tree Damage After August 2010 It Could Be From the Weed-Killer Imprelis® A Settlement May Provide Money and Affect Your Rights There is a class action settlement with the manufacturer of the weed-killer Imprelis®. Imprelis® was used by lawn care professionals on residential and commercial properties as well as by golf courses between August 31, 2010, and August 21, 2011, across the country — except California and New York. The lawsuit claims that Imprelis® kills and damages trees and other non-target vegetation. Imprelis® was removed from the market after reports of damaged and dying trees. These are just a few types of Imprelis® damage. There are more photos at www.TreeDamageSettlement.com.

Honey Locust (Fleshy galls)

Arborvitae (Browning)

Spruce (Browning)

Pine (Terminal Bud Swelling/Clubbing)

Who is Included in the Settlement and What Does the Settlement Provide? The Settlement includes three groups, called “classes.” You are included even if you have already submitted a claim through the current Imprelis® Claims Resolution Process. Classes

Who is Included

Beneﬁts

Class 1

Property Owners who own or owned property in the U.S.: 1) Where Imprelis® was applied; or 2) Adjacent to a property where Imprelis® was applied, and whose trees show damage from Imprelis® by February 11, 2013.

Compensation for tree damage, including: 1) Tree removal; 2) Cash payments for tree replacement and care; and 3) A limited warranty for any future Imprelis® tree damage.

Class 2

Applicators (Lawn Care Professionals) that: 1) Purchased Imprelis® or received Imprelis® from a purchaser; and 2) Applied Imprelis® on property owned by another person or entity in the U.S. as part of their normal business.

Compensation for: 1) Customer site visits, ﬁeld work, and expenses incurred in investigating and documenting Imprelis® damage on customers’ properties prior to September 6, 2011; 2) Refund for returning unused Imprelis®; and 3) Assisting their customers with the Settlement Claims Process, if applicable.

Class 3

Golf Courses and Other Imprelis® Self-Applicators that: 1) Purchased Imprelis® or received Imprelis® from a purchaser; and 2) Applied Imprelis® on property in the U.S. that they own or owned.

Compensation for: 1) Tree damage as listed above for Class 1; 2) Time spent and expenses incurred in assessing Imprelis® damage; and 3) Refund for returning unused Imprelis®.

What are my Legal Rights? To get information on how to claim beneﬁts from the settlement, visit the website or call the toll free number listed below. To keep your right to sue about Imprelis® damage, you must exclude yourself in writing by June 28, 2013. If you ask to be excluded, you cannot get the Settlement beneﬁts. If you stay in the Settlement, you may object to it in writing by August 21, 2013. If you stay in the Settlement, you will be bound by the Court’s orders. The Court will hold a hearing on September 27, 2013 to consider whether to approve the Settlement and a request by Class Counsel for attorneys’ fees and expenses of up to $7 million. You or your own lawyer may ask to appear and speak at the hearing at your cost. If you have Imprelis® damage, your rights are affected whether you act or not. Get more information using the contact information below.

www.TreeDamageSettlement.com

1-866-802-8112

cause prices to rise higher, soon everyone’s buying homes because they think they can make money. Over the long term—10 to 15 years—a home can be a decent investment. But no one should expect to make a killing just because they bought a house.” Instead, think beyond investment: Have you found a home you can see your family growing in for a decade or more? Do you love the neighborhood and

WHAT YOU CAN GET FOR

$400,000 TO

the people in it? Are there plenty of job opportunities within commuting distance? “You should really be looking at properties you can see yourself in for 15 to 20 years,” says Leslie Piper, a consumerhousing specialist with Realtor .com. “We went through a period where too many people were taking leaps of faith. But buying isn’t about playing musical chairs. It’s about making a house into your home.”

TEST YOUR

REAL ESTATE IQ!

$500,000

This three-bedroom Queen Anne beauty is located on Florida’s Forgotten Coast in Apalachicola, a one-stoplight hamlet famous for its ﬁshing and oysters. NAME THE PRICE: a

SOUTHERN ESTATE

VINTAGE FARMHOUSE

HISTORIC CONDO

OLIVER, GA. / $495,000

CORNWALL, VT. / $495,000

LEXINGTON, MASS. / $489,000

This Civil War–era manor has all the southern charm you’d expect: a sundial fountain, a gazebo, a parlor, a sun room, and nine ﬁreplaces. And big families will appreciate the ﬁve bedrooms, 5,781 square feet of living space, and six-acre grounds.

With four bedrooms and nearly 4,300 square feet, this historic home has plenty of idyllic features: a barn-red exterior, a spacious kitchen with ﬁreplace, a screened porch, and, best of all, an 11-acre lot stocked with fruit trees and vegetable gardens.

This one-bedroom, 900-squarefoot condo is inside the Hancock School, which is listed on the National Register of Historic Places for its Federal architecture. Southern exposure means plenty of sunlight, and a private patio offers room to roam.

Marie Osmond

To discover the answer, and play our housing version of The Price is Right, go to parade.com/home

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WHAT YOU CAN GET FOR

$400,000 TO

TEST YOUR

REAL ESTATE IQ!

$500,000

This three-bedroom Queen Anne beauty is located on Florida’s Forgotten Coast in Apalachicola, a one-stoplight hamlet famous for its ﬁshing and oysters. NAME THE PRICE: a

SOUTHERN ESTATE

VINTAGE FARMHOUSE

HISTORIC CONDO

OLIVER, GA. / $495,000

CORNWALL, VT. / $495,000

LEXINGTON, MASS. / $489,000

To discover the answer, and play our housing version of The Price is Right, go to parade.com/home

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WHAT YOU CAN GET IF

ARCHITECTURAL GEM

CITY LIGHTS

STATELY PALACE

CINCINNATI / $1,788,000 One of only 270 existing private residences designed by Frank Lloyd Wright, this three-bedroom home is on the market for the ďŹ rst time in over 50 years and is still in pristine condition.

MADISON, WIS. / $945,000 This 1,900-square-foot, two-bedroom apartment offers a panoramic view of Madisonâ&#x20AC;&#x2122;s capitol building and downtown skyline, which you can take in from the private terrace.

TERRELL, TEX. / $1,195,000

Restored to its 19th-century glory, this six-bedroom, 7,000-square-foot home features period details like a two-story wraparound porch, intricate moldings, and nine ďŹ replaces.

United States District Court For The Northern District of Ohio

NOTICE OF SETTLEMENT If You Own a Structure on which Steel Siding Manufactured by Gentek Building Products, Inc. LV ,QVWDOOHG <RX &RXOG 5HFHLYH %HQHÂżWV )URP D &ODVV $FWLRQ 6HWWOHPHQW Please read this Notice carefully. Your legal rights are affected whether you act or donâ&#x20AC;&#x2122;t act. What is this Notice about? This Notice concerns a lawsuit involving certain Steel Siding manufactured by Gentek Bulding Products Inc. and Associated Building Materials (â&#x20AC;&#x153;Defendantsâ&#x20AC;? or â&#x20AC;&#x153;Gentekâ&#x20AC;?). A settlement has been reached in the lawsuit captioned Eliason, et al. v. Gentek Building Products, Inc., and Associated Materials, Inc., 1:10-cv-2093 (N.D. Ohio). On March 5, 2013, United States District Court Judge Benita Y. Pearson entered an order preliminarily approving the Settlement and authorizing this Notice. :KDW LV WKH /DZVXLW $ERXW" The Named Plaintiffs allege that the Steel Siding manufactured by Defendants is defective and that Gentek has failed to honor its express limited lifetime warranty issued at the point of sale and the implied warranty of merchantability. Gentek denies these allegations and asserts that the Steel Siding is free of defects and that it has honored and will continue to honor the terms of its warranties. :KDW GR , JHW IURP WKH 6HWWOHPHQW" The Settlement provides for enhanced warranty procedures under which Gentek will accept an expanded catalogue of the types of evidence that will establish acceptable proof of purchase including: a copy of the warranty covering WKH VLGLQJ DQ LQYRLFH UHIHUHQFLQJ WKH VLGLQJ D UHFHLSW UHIHUHQFLQJ WKH VLGLQJ DQ DIÂżGDYLW IURP WKH GLVWULEXWRU DWWHVWLQJ WR WKH IDFW WKDW WKH\ VROG *HQWHNÂśV VLGLQJ WR RU IRU WKH EHQHÂżW RI WKH &ODVV 0HPEHU ZLWK WKH DSSUR[LPDWH GDWH RI LQVWDOODWLRQ RU D VDPSOH RI WKH VLGLQJ WKDW *HQWHN LV DEOH WR YHULI\ DV RQH RI LWV SURGXFWV )XOO GHWDLOV RI WKH 6HWWOHPHQW EHQHÂżWV FDQ EH IRXQG DW www.SteelSidingSettlement.com or by calling toll-free 1-888-267-7910. :KR LV LQ WKH 6HWWOHPHQW" 7R VHH LI \RX FDQ SDUWLFLSDWH LQ WKLV 6HWWOHPHQW \RX ÂżUVW KDYH WR NQRZ LI \RX DUH D 6HWWOHPHQW &ODVV 0HPEHU You are a Settlement Class Member if you are a person, organization, municipality, corporation or other entity that owns a structure, whether commercial or residential, on which Gentek Steel Siding was applied during the period January 1, 1991 through March 15, 2013 (the â&#x20AC;&#x153;Class Periodâ&#x20AC;?), that is covered by a Gentek Steel Siding warranty and which siding experienced Steel Peel. Steel Peel means WKH IROORZLQJ FRQGLWLRQV FKDUDFWHUL]HG E\ WKH VHSDUDWLRQ RI DQ\ OD\HU RI WKH ÂżQLVK RQ WKH 6WHHO 6LGLQJ IURP WKH 6WHHO 6LGLQJ LWVHOI GHODPLQDWLRQ FKLSSLQJ SHHOLQJ FUDFNLQJ DQG RU PLFUR FUDFNLQJ EOLVWHULQJ DQG RU Ă&#x20AC;DNLQJ What are My Legal Rights and Options? 1. Do Nothing: You are bound by the terms of the Settlement and give up your right to sue Defendants on these claims later. 2. 0DNH D :DUUDQW\ &ODLP You may make a warranty claim under the Settlement if your Gentek Steel Siding is H[SHULHQFLQJ 6WHHO 3HHO GHÂżQHG DERYH DQG \RX DUH VWLOO FRYHUHG E\ WKH ZDUUDQW\ DSSOLFDEOH WR \RXU VLGLQJ ,QVWUXFWLRQV DQG GHDGOLQHV IRU ÂżOLQJ \RXU FODLP FDQ EH IRXQG DW www.SteelSidingSettlement.com or by calling toll-free 1-888-267-7910. 3. Object: If you do not exclude yourself, you can write to the Court about why you donâ&#x20AC;&#x2122;t like the Settlement. The deadline for Objecting is April 29, 2013. 4. Exclude Yourself: ,I \RX VHOHFW WKLV RSWLRQ \RX ZLOO UHFHLYH QR EHQHÂżWV XQGHU WKH 6HWWOHPHQW EXW \RX ZLOO UHWDLQ DQ\ ULJKWV you currently have under your warranty, including the right to sue Defendants. Instructions for how to exclude yourself from the settlement can be found at www.SteelSidingSettlement.com or by calling 1-888-267-7910. The deadline for Requests for Exclusion is April 29, 2013. 5. $SSHDU DW D +HDULQJ If you do not exclude yourself, you can ask to speak to the Court about the fairness of the 6HWWOHPHQW 7KH GHDGOLQH IRU ÂżOLQJ D 1RWLFH RI $SSHDUDQFH LV $SULO Do I have a Lawyer in this Lawsuit? The Court has designated the following lawyers to represent you and all Class Members. Together, these lawyers are called Lead Class Counsel. You will not be charged for these lawyers. The names and addresses of Lead Class Counsel are as follows: WHITFIELD BRYSON & MASON LLP Gary E. Mason 1625 Massachusetts Ave. NW, Suite 605 Washington, DC 20036

CUNEO GILBERT & LADUCA, LLP Charles J. LaDuca 8120 Woodmont Ave., Suite 810 Bethesda, MD 20814

MADDOX HARGETT & CARUSO, P.C. Barbara Quinn Smith 9930 Johnnycake Ridge Road, Suite 3F Mentor, OH 44060

â&#x2013; Youâ&#x20AC;&#x2122;re buying your ďŹ rst home OLD RULE: Mortgage rates are so low you need only a small down payment. NEW RULE: Put down as much as you can up front. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s now the norm for lenders to require a 20 percent down payment,â&#x20AC;? says Kolko. â&#x20AC;&#x153;Today the biggest barrier for ďŹ rsttime home ownership is saving enough to put down.â&#x20AC;? â&#x2013; Youâ&#x20AC;&#x2122;re buying a bigger home OLD RULE: Donâ&#x20AC;&#x2122;t sell a home for less than you bought it for. Period. NEW RULE: Do the math to see if taking a loss makes sense. â&#x20AC;&#x153;Letâ&#x20AC;&#x2122;s say you bought a home for $100,000,

but itâ&#x20AC;&#x2122;s now worth $75,000,â&#x20AC;? says Glink. â&#x20AC;&#x153;You want to buy a new house that would have cost $200,000 but has suffered a similar price decline, to $150,000. That means taking a $25,000 hit on the sale will get you a $50,000 gain on the buy. With these low mortgage rates, youâ&#x20AC;&#x2122;ll be farther down the path to ďŹ nancial stability than if youâ&#x20AC;&#x2122;d stubbornly stayed.â&#x20AC;? â&#x2013; Youâ&#x20AC;&#x2122;re selling a home OLD RULE: Once the market bottoms, hold out as long as you can to net the most price appreciation. NEW RULE: Aim to put your home on the market in the spring. â&#x20AC;&#x153;If you want to get as many interested buyers as possible, spring is the season,â&#x20AC;? says Kolko. â&#x20AC;&#x153;Sale prices naturally start to drop as the year draws to a close, so youâ&#x20AC;&#x2122;ll probably net less money in the fall and winter, even if the market prices are still rising overall.â&#x20AC;? â&#x20AC;&#x201D;K. R.

PHOTO, LEFT: BARRY VANGROV

THE SKYâ&#x20AC;&#x2122;S THE LIMIT

The Court will hold a Final Approval Hearing on August 1, 2013. At this hearing, the Court will consider whether or not the Settlement is fair and adequate. If there are written objections, the Court will consider them, and the Court will listen to people who have asked to VSHDN DW WKH KHDULQJ $IWHU WKH KHDULQJ WKH &RXUW ZLOO GHFLGH ZKHWKHU RU QRW WR JLYH ÂżQDO DSSURYDO WR WKH VHWWOHPHQW

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I think it demonstrates the unfairness of tax laws. It also shows why simplifying them may not be wise. Simple laws cannot accommodate good arguments against them in many circumstances—including yours, in my opinion. Fair taxes require complexity. For example, awards and settlements for injuries and distress from an auto accident are usually not taxed. The same is true with payments for lost wages, even when they would have been taxed had they been earned. Some say the whole area is a thicket of inequity. What would a simple law do? Tax all? Tax none? Exemptions may make more sense, and some areas seem more obvious than others. Egg donation is one of them. After all, as selling body parts is against the law, and donating eggs is perfectly legal, the compensation can’t be called income or any other kind of gain. Parents everywhere give their heartfelt thanks to egg donors, and I think government should make this gesture to do the same.

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Covina, CA New Haven, CT Chicago, IL Bronx, NY Sacramento, CA Kenneth City, FL Albuquerque, NM Houston, TX

Table Around the

Lime wedges

A squeeze brightens everything up.

Warm tortillas

Family Time

Heat directly over a gas ﬂame, turning, until softened and browned in spots.

BUILD YOUR OWN

Taco

Cilantro sprigs Hot sauce

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Queso fresco This mild, crumbly cheese tames spice.

Serve one mild and one extra hot.

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Spice-Rubbed Steak Mash 2 garlic cloves to a paste with 1 tsp kosher salt. In a bowl, combine 1 tsp paprika, 1 tsp ground cumin, 1 tsp ground coriander, 1 tsp black pepper, and ¼ tsp cinnamon. Stir in garlic paste and

1 Tbsp olive oil. Pat 1 lb skirt steak dry, then rub thoroughly with paste. Marinate steak in a sealed plastic bag, chilled, at least 6 hours. Bring steak to room temperature. Cook on a grill or grill pan over medium-high heat about 4 minutes per side. Slice against grain.

Chile-Lime Shrimp Bring a pot of water to a boil; add a generous pinch of salt, juice of 1 lime, 4 smashed garlic cloves, and 1 Tbsp chile powder. Decrease heat to a simmer and add 1 lb shell-on shrimp. Poach 5 minutes or until shrimp are opaque. Drain and shell shrimp.

3 GREAT TOPPINGS

Simplest Guacamole Coarsely mash 2 avocados with juice of ½ lime and a big pinch of salt. Pickled Onions Bring 1 cup cider vinegar, ½ cup sugar, 1 tsp cumin, and 1 tsp salt to a boil in a nonreactive saucepan;

reduce heat and simmer, stirring occasionally, 5 minutes. Add 3 sliced red onions and simmer, stirring, 2 minutes, then transfer to a bowl and cool. Pico de Gallo Mix ½ white onion, diced; 2 cups diced tomatoes; ¼ cup cilantro; 1 Tbsp minced jalapeño; and salt.

PHOTO: ANDREW PURCELL. STEAK, PICO DE GALLO, AND PICKLED ONION RECIPES ADAPTED FROM EPICURIOUS.COM

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