Ashland Oregon Real Estate

I’m Roberta Broadie, an accredited buyer agent for real estate in Ashland Oregon. I’ve worked in real estate in Ashland Oregon for 20+ years and specialized in buyer representation for 3+ years for real estate in Ashland Oregon......Welcome To My Real Estate In Ashland Oregon Blog.

Wednesday, May 20, 2009

Stimulus Bill Effects Local Housing

Temporary credit for home buyers: The bill increases the size of an existing temporary and refundable first-time home buyer credit to $8,000, up from $7,500. It also removes the requirement under current law that the credit be paid back if the buyer stays in the home for at least three years. And it would extend the credit’s expiration date to Dec. 1, 2009, from July 1. Those eligible for this credit must have purchased a home after Jan. 1, 2009, and before Dec. 1, 2009.

This is essentially the government GIVING you $8000 to buy a house. Now granted, it is a credit, and will come back to you. One still needs to come up with the money out of pocket…but of your costs, $8000 will be returned to you.

With the dipping of the median price of homes in Jackson county to below $200,000…that is over 4% of the price.

The question now is "this will help?" Well, it won’t hurt. It has a one year time frame on it. It helps those buyers who may think that prices will continue to decline by giving them a 5% cushion.

But then again…one needs to have a job…a stable job…to buy a house. Also some money in the bank to start with. A more effective way to stimulate the housing market in my opinion would have been to offer this credit to anyone who wants to purchase a house, not just first time buyers. A move up, or move down buyer right now would be motivated by this tax credit to act this year.

Selling Price Compared To Original Listing Price

The average list to sales price in Ashland is now, and has been for ages 95-97% of the asking price. What that means is that buyers won’t make offers, and/or sellers will not except offers that are not listed close to the market value. The idea of low-balling sellers is not something that works very often in our area. So buyers won’t make acceptable offers on properties until there have been price reductions that put the house in the proper range.

So what we really wanted to know was what was the average selling price in comparison the the “Original” listing price. Below is the graph for Jackson County Oregon Real estate.

Ashland shows that at this time, the houses that are selling are selling at 85.5% of their original asking price. This is down about 4% from a year ago. That to me is an accurate representation of what I have noticed. Houses that are listed optimistically in the first place do sell when they reach the level. And apparently that level is about 10% less than the original asking price.


Appraisers Find Spike In Demand

The pace has picked up for Rogue Valley real estate appraisers.

Spurred by low interest rates, homeowners are refinancing, buyers are striking deals, and there are still plenty of foreclosure properties available, too.

Put them all together, and it means work for appraisers.

"The first three months of the year, I had a surge of business due to the mortgage rates being so good," said Michele Kennison of Appraisal Solutions in Eagle Point. "Right now, I think lenders are wanting to make sure they are in compliance with the Home Valuation Code of Conduct before they order an appraisal."

Although the pace tailed off a little in April, Kennison anticipates more to come.

"It's only my opinion, but we had a new form to fill out for Fannie Mae and Freddie Mac starting April 1. They want us to fill out more on the market conditions," Kennison said. "That may be prolonging the application process."

The Southern Oregon Multiple Listing Service recorded increased sales activity in March, and appraisers said April numbers likely will follow suit.

"Things have definitely picked up," said Jesse Zeigler, an appraiser with Patricia Cunningham Residential Appraiser in Jacksonville. "A lot of Realtors say they have pending sales. I know of one that has 14 in escrow. A while back it was maybe one or two a month."

Although the market is nowhere near the frenzy of 2004 or 2005, falling interest rates have led homeowners to investigate refinancing. The additional regulations, reflecting problems at Fannie Mae and Freddie Mac, have added to the workload and the extended the time needed to complete an appraisal.

"During the boom, it took an average of six to eight hours," Kennison said. "Now, it's pretty much doubled. It takes between eight and 15 or 16 hours per appraisal, depending on the property. Because of the climate we're working in, we're doing more for less money; it's the basic economics of survival."

Zeigler said it's possible there was some delayed response this year from people who were sitting on the fence last year.

"When it comes to refinancing , if there is any hint of rates going lower, people are going to wait," Zeigler said. "When it goes down, people will jump. We had people at election time last year saying they were going to wait and see what (President) Obama was going to do about mortgages."

Zeigler said there are signs, or at least a feel, that the market is bottoming out.
"People are recognizing this as more of a normal market and a lot of the foreclosures are being absorbed," he said.

Rapidly falling prices in some areas didn't necessarily reflect values in others. What plagues appraisers sometimes is dealing with property where comparable sales are hard to find.

"We're finding good recent sales in a lot of our markets," Zeigler said. "Banks tightened up so much that they won't accept comparable sales, in a lot of cases, that are older than 90 days or three months. They want everything current. It's hard to find comparables on higher-end homes out on acreage if for whatever reason they are not selling."

He said that foreclosures or other distress sales in an area can drive down the value, because owners have cut prices to unload the property.

"Sometimes current sales aren't reliable if comparable properties are overly distressed," Zeigler said.

Monday, September 29, 2008

Buyers Agent Advantages

Buyers Agent Advantages


Congratulations! You’ve found an Accredited Buyers Representative*

We all know that buying a home may turn out to be the largest investment you make. And there are so many details involved—lots of technical points that demand your attention. How do you know you’re getting a good investment? How much should you offer the sellers? And how do you structure your offer? What terms are to your advantage?

Sellers have always been represented by agents, but traditionally buyers haven’t had the same advantage. Now, as a buyer, you can have your own agent. In my role as a buyers agent, I represent you alone, not the seller. Buyers are entitled to the same loyalty, level of service and representation as sellers.

What does it mean to use a buyers agent?

Working together, we’ll find the right home for you.

While working for you as your buyers agent, I don’t have to present specific properties to you. Instead I can spend my time helping you find the home that’s best for you.

I’ll make sure you get the best price.

As a buyers agent, I negotiate the best price and terms for you, the buyer. Sellers agents are obligated to get the highest price they can for the sellers they represent.

I’ll arrange for you to have access to every home that’s on the market.

A buyers agent searches for the right home using all possible resources. That means I can seek out properties that are not listed in the Multiple Listing Service including homes that are for sale by owner and foreclosures.

I’ll help you put together the best offer.

As your agent, I can help determine the current market value of the property you are interested in buying. That means your offer will be based on up-to-date realistic information rather than on the seller’s asking price.

Note: Should you choose to purchase a property that is listed within my office, then I have an obligation to both you and the seller. The responsibilities associated with both buyer’s agency and dual agency are spelled out in the forms we provide for our clients.

*The ACCREDITED BUYER REPRESENTATIVE (ABR) designation is offered exclusively through the Real Estate BUYER'S AGENT Council (REBAC) in recognition of advanced professional training, experience in buyer representation, and commitment to the REALTOR's CODE of ETHICS. ABR and REBAC are part of the NATIONAL ASSOCIATION of REALTORS.

    Click Here For Properties


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Prestigious Geneva Park in the Historical Railroad District boasts Ashland Oregon living at it's best - 973 B St Ashland, Oregon

    973 B St Ashland, Oregon 97520

    Price $359,500


    Click Here To See More Images

    Prestigious Geneva Park in the Historical Railroad District boasts Ashland living at it's best! Up-scale town home with open living space, high ceilings, hardwood floors, two-way fireplace in living room and kitchen. Private patio with slate tile and spa. 2 bedroom suites upstairs with lots of light and views. A lap pool with barbecue area & common veggie garden, well-maintained grounds w/flowers, trees, sitting area and water feature & access to Greenway bike/walking path. One car garage & one off street parking space. HOA fees $135.00 month. Stone's throw to Shakespeare, Plaza and Shopping.

    Click Here For Featured Properties



    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Spacious home nestled in the pines & oaks overlooking Emigrant Lake - 6840 Hwy 66 Ashland, Oregon

    6840 Hwy 66 Ashland, Oregon 97520

    Price $799,000


    Click Here To See More Images

    Spacious home nestled in the pines & oaks overlooking Emigrant Lake. Majestic views of lake & Mountains from home. 3650 sq ft, 4+ bdrm, 2.5bath, den, family room with soaring ceilings & windows, formal & informal dining, newly updated kitchen, pantry, wrap around porch, master suite w/sitting area & dressing room, walk-in closet, extra storage, outdoor amenities include lovely creek, inground pool, small barn, tennis court, 4 tax lots!, pasture, an estate setting overlooking Emigrant Lake - just minutes from town.

    Click Here For Featured Properties


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Craftsman style neighborhood with spectacular sweeping views - 465 Williamson Way Ashland, Oregon

    465 Williamson Way Ashland, Oregon 97520

    Price $414,000
    Click Here For More Images
    Craftsman style neighborhood with spectacular sweeping views of Grizzly Peak and the Valley. Covered front porch and master bedroom have views of Mt. Ashland. Open and light floor plan. Vaulted ceiling and gas fireplace in living room. Friendly neighborhood, close to downtown, North Mountain Park and the Nature Center.

    Click Here For Featured Properties


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    What a sweetheart! Charming Ashland, Oreogn cottage - 280 Avery St Ashland, Oregon

    280 Avery St Ashland, Oregon 97520

    Price $339,000

    Click Here To See More Images

    What a sweetheart! Charming cottage has had a complete face lift.... on the inside and out. New kitchen, baths, flooring, vinyl windows, moldings, and paint. A beautiful new patio with eclectic fountain. New landscaping with drip system in place. A picket fence completes the picture. A must see!

    Click Here For Featured Properties


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Now priced $100,000 below assessed value - 489 Euclid St Ashland, Oregon

    489 Euclid St Ashland, Oregon 97520

    Price $355,000 Click to see more images

    Now priced $100,000 below assessed value. Located close to downtown Ashland & the university on generous .21 acre lot. Living room with fireplace, kitchen opened to dining area. New countertops, new interior doors & carpets. Hardwood floors on main level. Lot offers garden area with views of mountains, TID irrigated.


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Beautifully remodeled architecturally designed Medford, Oregon home. - 269 Black Oak Dr Medford, Oregon

    269 Black Oak Dr Medford, OR 97504

    Price $740,000
    Click Here For More Picture

    Nestled overlooking 1st green on RVCC, beautifully remodeled architecturally designed home. Gracious floor plan, spacious rms throughout. Formal living rm w/ corner fireplace, open to formal dining rm w/ built-ins w/ leaded glass. Gourmet kitchen w/island, granite, updated cabinets, stainless steel appliances, walk-in pantry. Mstr bdrm on 1st flr w/huge walk-in dressing area, also w/french doors to private yard w/ pool, built-in BBQ, covered patio, indoor spa; family rm, den plus 3 more large bdrms & office. Wonderful views of RVCC & mtns (like a park). See features list on attachments.



    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Sunday, May 20, 2007

    Beautifully built & well maintained Ashland, Oregon home
    1090 Greenmeadows Ashland, Oregon

    1090 Greenmeadows Ashland, OR 97520

    Price $420,000

    Click Here For More Images

    Beautifully built & well maintained home. All natural (clear-heart) wood siding, spacious rooms, hardwood floors in living room and dining room; lots of light, wood windows, abundant storage, extra bonus storage room (10 x 22) finished with closets in attic (pull down stairs). Gracious home in a gracious neighborhood - close to elementary school & shopping.
    Click Here For Featured Properties


    Roberta Broadie,Sales Associate
    RE/MAX Real Estate Group
    320 East Main St.Ashland, OR 97520
    Office: (541) 482-9793
    Toll Free: (888) 404-7216
    E-Mail:
    info@robertabroadie.com
    http://www.robertabroadie.com/

    Suites of Distinction in the heart of Ashland Oregon

    Ashland Creek Inn

    Seven suites each uniquely designed and all with the comfort and privacy that comes from being Ashland’s finest Bed and Breakfast. Our suites are complete with private entrances, kitchens, living rooms, and decks with views of the park like setting of Ashland Creek.

    Front row is just a few steps away. Shakespeare can’t get much closer than this. Ashland Creek Inn is next door to all the best that Ashland has to offer. Tremendous theater, great shops and grassy parks are right up the street, some of Oregon’s greatest natural treasures are only minutes away.

    Attention to detail and privacy is one reason our friends come back every year. From our gourmet breakfast to our fine linens and antique-furnished rooms, we take whatever steps are necessary to make your visit the most comfortable it can be.

    Here, you won’t find yourself working your way around other guests. From our suites designed for privacy to our manicured terraced gardens, Ashland Creek Inn provides peaceful settings inside and out.

    For reservations or more information contact Ashland Creek Inn at (541) 482-3315 or visit us online at ashlandcreekinn.com

    Ashland Commons

    Family, Group, Hostel, Accommodations

    Reservations
    541-482-6753
    cell:541-292-0503
    437 Williamson Way
    Ashland, Oregon 97520

    Stuart Douglas
    Former Vermont Innkeeper
    Ashland Commons
    Family & Group Accommodations
    Individual Hostel Stay

    Amenities:

    Accommodates up to 45 guests
    Bunks, twins, queens, futons
    On-site laundry and local call phone
    2 Fully equipped kitchens
    4 full bathrooms (one adjacent)
    Downstairs for 15, upstairs 30
    Patio with views
    4 Off-street parking spaces
    Cable TV, A/C


    Area Attractions
    Oregon Shakespeare Festival
    Mt. Ashland, Mt. Shasta Ski Areas
    Britt Festival, Oregon Caves
    Rogue River Rafting, Fishing
    Crater Lake Nation Park
    Redwoods National Park
    Science Works Hands On Museum
    www.ashlandchamber.com/lodging
    www.osfashland.org/visit/accommodations.aspx



    Walking distance to...
    Ashland’s downtown plaza
    Beautiful Lithia Park
    Oregon Shakespeare Festival
    North Mt. Park Nature Center
    Science Works Museum (Packages)

    Perfect accommodations for
    Families, Meetings, Retreats
    School Groups, Ski Clubs
    Sport/Debate Teams
    Church/Youth Groups
    Education Tours, Workshops
    Holiday Company, Reunions
    Wedding Guests, Theater Groups\

    Deposit Policy...
    50% due upon booking
    (VISA & Mastercard Accepted)
    Balance due 30 days prior to arrival

    Ashland Commons
    Group Rates

    $110. (1 0r 2), May - Oct.
    95$. (1 or 2), Nov. - April
    $15 p.p. (3-45)+ 8% tax
    Hostel Rates: $25-$30 p.p.
    Sheets: $2 p.p., Towels: 1$ ea.
    Credit Card Fee$.50 p.p.

    - Cancellation Policy -
    60+ days notice - $50 fee
    30-60 days: 25% of deposit forfeited
    Less than 30 days: no refund unless space rerented
    Groups: policy includes canceled beds

    - Policies -
    No Pets, No SmokingCheck-in: 4 pm, Out 10:30 am

    All About Ashland, Oregon

    CLIMATE
    You will find us 15 miles north of the California border on Interstate 5 at the south end of the Rogue Valley, sitting about 2,000 feet above sea level. Mt. Ashland looms above us to the south, 7,500 feet high, and the Cascade Range lies about 30 miles to the east. Ashland is 365 miles north of San Francisco and 290 miles south of Portland.

    Although the climate is fairly mild, we do have four distinct seasons. The hills across the valley turn green with the spring rains and golden brown in summer’s heat. Fall brings crisp days and chilly nights along with the colors of leaves turning. In winter, when it snows, the hills are beautiful. Summer highs are typically in the 80’s, with lows in the 50’s, but we do see approximately six weeks of highs in the 90’s, and it usually exceeds 100 sometimes in August.

    Winter highs usually run in the mid-40’s. with lows in the 30’s, although lows do drop into the single digits on rare occasions. We typically have cold, clear days. When it does snow in town it usually melts by midday, but higher elevations can take several days. Despite Oregon’s reputation for rain, Ashland averages only 19 inches per year, plus ten inches of snow. In USDA Zone 7, we have a growing season of 170 days starting in April.

    Ashland’s climate is ideal for gardening, and is especially conducive to growing roses and vegetables such as vine-ripened tomatoes. Since the turn of the 20th Century, the orchard industry has played a prominent role in our agriculture and we are still known as the “pear country”. The climate is also conducive to growing grapes, with many wineries in the immediate area.

    OUR COMMUNITY
    Ashland offers qualities of life that many towns only dream about. In addition to its physical beauty and cultural diversity, Ashland feels like a community... a place we all call home.
    It shows up in many ways: in walking past homes built in the 20th Century, preserved because people care, or shopping in buildings you remember seeing in historic photographs. It shows up in clean streets, excellent schools and libraries, and a downtown free of garish signs. And most fun of all, it shows up in community events with deep roots, such as the Fourth of July Celebration, dating form the 1870’s, and summer Ashland City Band Concerts going back to the 1890’s.

    SHOP & DINE
    Shopping and dinning in Ashland is a more personal and friendly experience than most cities offer their residents and visitors. Many of the owners of local shops and restaurants live and work in Ashland. They give that extra special service that people love. Not only are these people personally connected to the business community, they are intimately tied to the health and success of the entire community of Ashland and the Rogue Valley. They contribute to fund raisers, community events, non-profit organizations and many other groups in addition to the Chamber. When you shop in Ashland, you know that you are going to have a incredible selection of very special products.

    We are very fortunate residents to have so many wonderful amenities at our fingertips because of our tourism-based economy. Due to this factor we have a large, fine selection of restaurants, from casual cafes to elegant eateries. While sampling some great Pacific Northwest fare, enjoy a glass of local wine. The Rogue Valley is becoming increasingly well known for its wineries. With a climate much like the Bordeaux region in France, our area is especially well suited for growing grapes perfect for Merlots and Cabernets.

    We have and abundance of great bookstores and art galleries that feature a wide range of local artists in all mediums. Interesting shops feature unique gift items, Oregon made products, organic and healthful food, antiques, pottery, jewelry, hand-woven garments and natural fibers as well as T-shirts and local memorabilia.

    Shopping has never been easier and more enjoyable with close access to parking in the newly-constructed three story parking facility located just off Main Street.

    Don’t forget the Railroad District in Ashland comprising a area of roughly 14 blocks between A and C Streets, and First and Eighth Streets. Tasteful renovations and newly constructed buildings feature dinning, photography, furniture, galleries, clothing, and professional services.
    With all this to choose from, your guests may need to stay an extra night. Ashland is particularly blessed with a variety of guest accommodations. Choose from one of the many beautiful and unique Bed & Breakfasts to lovely hotels with different amenities.

    Galleries & Museums
    Ashland is home not only to nearly two dozen art galleries and shops, but also to a recently expanded art museum of growing reputation. In the galleries, the emphasis is on Northwest artists, some of whom are nationally known.

    At the Schneider Museum on the Southern Oregon University campus visitors can see major contemporary exhibits from around the country. The student-run Gallery at Stevenson Union has first-rate invitational exhibitions too.

    Ashland’s galleries and shops offer a remarkably diverse range of fine arts and crafts. You can find representational as well as contemporary paintings and fine art prints, sculpture, glass, Native American and visionary art, pottery and ceramics, jewelry and fabric art, and fine hand crafted furniture. There is a First Friday Art Walk each month sponsored by the Ashland Gallery Association, which in the spring also puts on the Taste of Ashland- a fantastic way to walk through town, viewing art while sipping wine and sampling locally created delicacies. Another attraction is the Ashland Historic Railroad District’s Walking Tour.

    Southern Oregon Historical Society is a complex interactive group of 16 exhibits including Children’s Museum, historic homes and grounds tours, including the History Center in Jacksonville, the museums in Jacksonville, and the historic Hanley Farm in Central Point.
    The ScienceWorks Hands-On Museum here in Ashland offers fun, interactive science activities, exhibits, and demonstrations for all ages.

    ARTS & ENTERTAINMENT

    Music
    Ashland abounds with music. Whether it is folk singing or opera, bluegrass or chamber music, the town has it. Facilities include the Southern Oregon University Music Recital Hall where the Southern Oregon Repertory Singers and the Chamber Music Concerts are held, the Lithia Park Bandshell, and many other spots around town you can hear national, regional and local talent. A welcome addition to the music scene is St. Clair Production’s Folk Music Series and Rogue Valley
    Blues Festival.

    If you perform, the area has a number of classical, folk, opera and a cappella groups you can join. The Rogue Valley Symphony offers outstanding performances in Ashland and the Rogue Valley. The Britt Festivals perform concerts under stars in two locations: Britt Pavilion in Jacksonville and the Lithia Motors Ampitheater in Central Point. Britt features a collection of world class artists in classical music, dance, jazz, blues, folk, bluegrass, world, pop, and country music.

    Cinema
    Ashland’s Varsity Theater, located downtown in a 1937 Art Deco-style building, house five wall-to-wall screens. The Varsity Theater is an art house which features first run foreign and art films. Ashland Street Cinema, located in the Ashland Shopping Center, is your family entertainment center featuring Dolby Digital Surround Sound, six wall-to-wall screens, first run films and a super snack bar.

    Every spring, filmmakers and film lovers gather in the Varsity Theater to celebrate the Ashland Independent Film Festival. Documentaries, features, shorts and student films are shown on the five screens where filmmakers connect with an attentive audience that seeks a closer look into the creative process. The artists give high praise for their Ashland welcome, many ranking their visit at the top of their film festival experiences. In 2005, 85 films were shown in five days, 60+ filmmakers attended, more than two-thirds of the screenings were sold out, 11,433 tickets were distributed, over 90% of the seats were filled.

    EDUCATION

    Rogue Community College
    Rogue Community College offers a full range of educational opportunities at convenient locations in Jackson and Josephine Counties. The college plays a key role in the educational and cultural renaissance happening in the heart of Medford, where RCC’s Riverside Campus is located. The college is adjacent to the Craterian Ginger Rodgers Theater and shares space in the new Jackson County Library.

    Rogue Community College offers five two-year degrees and 32 professional/ technical programs as well as a variety of workforce and short-term trainings, developmental studies classes, community education classes, and services to local businesses. RCC also offers classes at the Redwood Campus in Grants Pass, at learning centers in Grants Pass, the Illinois Valley, and Medford, and is developing a new technical training center in White City.
    The Riverside Campus is located at 117 S. Central, Medford (541) 245-7500. The Redwood Campus is at 3345 Redwood Hwy., Grants Pass, (541) 956-7500. Outside of Medford or RCC, call RCC toll free at (800) 411-6508, or visit the website at www.roguecc.edu.

    Private Schools
    Ashland and the Rogue Valley have several private schools:
    Armadillo Technical Institute 535-3287
    Children’s World Bilingual Montessori Preschool & Kindergarden 488-9313 & 482-3469
    ESL Language Center 552-6196
    Head Start Centers 482-5931
    Lithia Springs School 482-5818
    Pilot Rock Christian School 482-7625
    Rogue Valley Christian School 482-3411
    St. Mary’s School 773-7877
    The Siskiyou School 482-8223
    Willow Wind Community Learning Center 488-2684

    ESL Language Center
    The ESL Language Center, a private school on the campus of Southern Oregon University, offers instruction in American English to international scholars or professionals who wish to enroll in an American university or to use English in dealing with their international clients. The ESL offers Ashland residents the opportunity to get to know these students by providing room and board in their homes at charge or by getting together from time-to-time for activities that are mutually enjoyed.

    Ashland Schools Foundation
    The mission of the Ashland Schools Foundation (ASF) is to support quality education in Ashland public schools through fund raising in the community. ASF is an independent, non-profit, public benefit corporation, organized in 1989 exclusively for educational and charitable purposes. ASF has enabled Ashland’s public schools to provide classroom-based enrichment grants and to support the arts in the schools. Additionally, ASF partners with local business and the Ashland Chamber in the Buy-in-for-Books program that enrolls local businesses in a program to donate a portion of their proceeds to buy new textbooks for the schools.

    TOURISM
    Tourism has been a stabilizing influence on Ashland’s economic health and sets it apart from other Oregon timber towns. Over 358,427 visitors come to Ashland annually. We have experienced a shift in our market area that has created a regional market from Northern California to Eugene. Over 60% of our visitors hold either Bachelors, Graduate or Professional Degrees. Visitors’ median age is 40-49, with 42.3% of them over 50 years old. Visitors are taking shorter, more frequent vacations, couples are traveling without children, most of them from California, Oregon, Washington, and over 80% are repeat visitors.

    Place of Residents

    Northern California 40%
    Oregon 21%
    Southern California 15%
    Other States 12%
    Washington 9%
    Foreign Countries 3%

    Seasonal Room Rates

    Winter $82.00
    Spring $106.00
    Summer $110.00
    Fall $75.00

    Annual Occupancy Rate
    2000 49%
    2001 47%
    2002 44%
    2003 43%
    2004 45%

    Seasonal Occupancy Rates

    Fall 25%
    Winter 24%
    Spring 17%
    Summer 34%


    RECREATION
    Southern Oregon is famous for it’s recreational opportunities. Within an hour’s drive of Ashland, you will find many rivers, lakes and mountains, and an abundance of wildlife. Even within Ashland there is a lot to do. Taking a walk in Lithia Park offers amazing scenic opportunities anytime of year. Walk or bike in the downtown core. Enjoy fine art while taking the Ashland’s Railroad District’s Walking Tour. Need more ideas? Read on...

    Snow Sports
    A major local fundraising effort in 1992 generated funds to purchase Mt. Ashland Ski & Snowboard Resort area, which is owned by the City of Ashland and leased by MAA (Mt. Ashland Association). Located just south of town, 7,500-foot Mt. Ashland offers day and night skiing for most abilities. Four chair lifts give access to 23 runs, with the longest drop being 1,150 feet. The mountain gets an annual snow fall of 325 inches, with an average depth of 110 inches. The season usually runs from Thanksgiving through April. Cross-country skiers will find over 80 miles of trails within an hour’s drive of town.

    Lake of the Woods, Howard Prairie Lake, Hyatt Lake, Fish Lake and Crater Lake National Park are popular spots. Winter sports are rounded out with ice fishing, snowmobiling and horse-drawn sleigh rides- all within and hour of Ashland.

    Water Sports
    Six miles east of Ashland lies Emigrant Lake, offering swimming, water-skiing, sailing, fishing, 270-foot twin flume water slides. World class rafting, kayaking and salmon fishing are found on the Rogue River. Outfitters and guides are available to lead trips from afternoon outings to three-day expeditions. Fishing is abundant in the many other lakes and river in the area.

    Another example of Ashland community pulling together is the Darex Family Ice Skating Rink. In 1996, a few large-hearted individuals began work on a realizing dream to bring ice skating to Ashland. This dream is now a reality, and we enjoy ice skating from November to February in the outdoor ice skating rink in Lithia Park.


    WILDLIFE
    For those who enjoy watching wildlife, Southern Oregon is a real treat. In the immediate Ashland area there are deer, raccoons and muskrats to be seen, and if you are willing to venture farther into the hills, and are patient, you can spot coyotes, bobcats, cougars and the occasional black bear. In the greater Rogue Valley area, there are hundreds of miles of well maintained BLM (Bureau of Land Management) and Forrest Service roads take you far from town and busy highways. Birding is plentiful, too. There are local chapters of The Audubon Society and The Sierra Club, each with active outing schedules. A major wildlife area exists in the Klamath Basin 70 miles east of Ashland. Part of the Pacific Flyway, the lakes in the area are temporary home to nearly one million ducks and geese in November, along with many other species. And form December through February, you can see the largest wintering concentration of bald eagles in the lower 48 states. All year long there is plenty to see, with over 400 wildlife species present.


    HIKING AND BIKING

    The Ashland Ranger District (U.S. Forest Service Rogue River National Forest) provides maps and information ( call 482-3333 ). The Pacific Creast Trail runs within 10 miles of town accross Mt. Ashland, and there are hundreds of other hiking trails within and hour or two of town. The local Sierra Club organizes and leads dozens of outings each year. For those who like their walking a little tamer, there are walking tours of Ashland.

    GOLF
    Southern Oregon is a fast developing hotbed of golf. There are nine golf courses within an easy drive of Ashland, encluding Eagle Point Golf Course ( 25 miles north of Eagle Point ). In 2004, Golf Digest Magazine gave Eagle Point 4-1/2 stars and rated this course one of the “Beast Places to Play.” Golf Digest votted Running Y Ranch Resort (in Klamath Falls) the best new affordable public course in the nation for 1998. Championship 18-hole cousres include: Rogue Valley Country Club (in Medford), Stoneridge Golf Course (20 miles north of White City), and Cedar Links Golf Course ( in Medford). There are also a number of nine-hold courses- Oak Knoll Golf Course in Ashland, Laurel Hills Golf Course in Gold Hill, and in Medford: Bear Creek Golf Course, Stewart Medows and Quail Point Golf Course- all of which are public.

    RETIREMENT & SENIOR SERVICES
    The Ashland Meford Area has recieved noumerous mentions and favorible ranking in many publications in the last several years. In the artical “Where to Retire,” in Modern Maturnity Magazine, Ashland was ranked 2nd in the nation for having the amenities for healthly active retirees. Other publications include Retirement Places Rated, The Searchers, Small Towns Lighting the Landscap, and Choose a College Town for Retirement.

    Ashland Senior Program
    The Ashland Senior Program ( 1699 Homes Ave. in Hunter Park ) was established in 1973, and became a department of the City of Ashland in 1981. The program provides a support system the Ashland’s older residents, enabling them to love more independently and to continue as contributing members of the community. The Senior Program also has Outreach, Information and Assitance, prevented health care clinics, a discount on the City of Ashland utilities and garbage pickup for income qualifying seniors, help with tax preparation, insurance counseling, and weekday noon provided meals provided by Rogue Valley Council of Governments Food and Friends Program. The Activity Center offers a variety of activities ranging from line dancing, yoga, and drama groups, to viewing old movies. Futhor information can be obtained by calling 541-488-5342

    Souhtern Oregon University Siskiyou Center
    Southern Oregon Universtiy has a history of leadership and educational programs for older adults, dating from it first Elderhostel program in 1980. The Sisikyou Center offers a range of programs for older adults, retirees, and pre-retirees, including SOLIR, Elderhostel, and Senior Ventures. For more information about these programs, please contact 552-6285 or 552-6048 or visit the website at www.sou.edu/ecp/seniors. Their friendly students and caring staff are delighted to welcome you to the campus community.

    Elderhostel-
    Souhtern Oregon University hosts one of the largest Elderhostel programs in the country. Open to people 55 and over, Elderhostel offers educational programs in a variety of areas. The Ashland program offers theater, wine appreciation, music, history, literature, travel and much more.

    Senior Ventures-
    Senior Ventures is Southern Oregon University’s own program offering educational adventures combined with housing on the University’s campus in Ashland.

    SOLIR-Southern Oregon Learning in Retirement (SOLIR) offers its members of retirement age opportunities to prosue current intellectual interests and to explore, with an academic approach, new areas of learning. Classes are held weekdays on Southern Oregon University’s campus.

    The Seasons Of Ashland, Oregon

    Summer, the time to play.
    Elizabethan Theater opens
    Outdoor dinning
    City Band concerts in Lithia Park
    Britt Music Festival Opens
    Fourth of July
    Rafting

    Fall, into Ashland Oregon bounty
    Fishing and Hiking
    Football
    Halloween
    Harvest
    Thanksgiving
    Festival of Lights

    Winter, from celebration to exhilaration
    Mt. Ashland Ski & Snowboard Resort opens
    Outdoor ice skating in Lithia Park
    Holiday home tour
    Science Works
    First Friday Art Walk’s
    Oregon Cabaret

    Spring, into glorious bloom
    Ashland Independent Film Festival
    Rogue Valley Growers & Crafts Market
    Oregon Chocolate Festival
    A Taste of Ashland

    Lodging
    Reservations & Travel Services
    #1 So. Oregon Reservation Service
    1-866-430-8261
    Free 24-hour assistance. Luxury accommodations. Ashland, Coastal, Oregon, the Cascades.

    Ashland Accommodations
    1-888-233-2632
    Finding the perfect place for your stay is our goal, be it B&B, cottage or motel. One call is all.
    Ashland Bed & Breakfast Network
    PO Box 1051, 541-858-1670, 1-800-944-0329, www.abbnet.com
    Find the perfect B&B! ABBN, an association of 30+ quality B&B’s the cooperatively provide free lodging referrals. Enjoy great food, hospitality, comfort. Call 10:00 am-6:00 pm or browse Inns and check availability on our website.

    Ashland B&B Clearinghouse
    541-488-0338, 1-800-588-0338, www.bbclearinhouse.comFree reservation service. We’ve personally inspected over 1,000 rooms. Over 50 B&Bs, four old hotels, motels, condos, cottages, group rentals, new and unlisted inns. We know what’s open and where the bargains are.9-9 Mon-Sat.

    Ashland Art Works

    Ashland Art Works may escape your notice, blending in with the residence along oak street at the edge of the Historic Railroad District. This is why those who know about it use the words “hidden” or “secret” when describing it. These descriptions are also full of words and admiration, even affection, so it will not be secret for long and you might as well know about it too.

    It is an artists cooperative that has been slowly growing since 1995, when eight ceramic artists built a studio in an old carriage house on the bank of Ashland Creek, what is now Thrown Stone Pottery. Brad Roupp, Randy Warren and Brent Gorman remain from the original group. Over the span of 10 years, salvaged structures were brought in, carefully placed and lovingly renovated to form their village like environment, knitted together by flower gardens along pathways. Ceramic art ornaments the landscape along with clever construction in iron, steel and wood, indicating the presence of artists. The place has been evolving for so much of its life: it would be surprising if it were to stay the same for a whole year.

    Among the structures you will find gallery spaces, studios, and now a meeting room ready for workshops and open to the art community. There is a deck overlooking the wooded creek with a cool breeze on a hot summer afternoon. In the spring and autumn the outdoor raku kiln might be fired up for the First Friday Art Walk for demonstrations.

    The member artists contributed their opinions for this delightful place. Most of them concur on many of the attributes; one being that there is an enormous amount of talent concentrated here. They thrive on the “exchange of influence among colleagues,” painter Michael Gibson says. “It is the ambience and mix of historic dwellings and galleries along side Ashland Creek that ’gets me.’ I moved to Ashland five years ago from Bainbridge Island and was immediately taken with the dramatic landscapes. Ashland Art Works gave me a guest artist show during A Taste of Ashland festival in 2005. I joined the co-op and the participation with the gallery has helped with my own discipline.”

    Many artists noted the boost that this cooperative has given their art practice through comradely and moral support. They look forward to the new directions in their creative process and support their fellow artists. “As a newcomer to the Rogue Valley,” Annette Trujillo, ceramic and lamp-work artist writes, “ I am finding the large group of artisans in southern Oregon to be very welcoming, nurturing and encouraging since my move to Ashland in June, 2005. Ashland Art Works is my newest ’family’ and I am very grateful to be a part of it!”

    As the artists tend the galleries, they encounter art patrons and enjoy giving a more in-depth story behind their works. Ceramist Lorene Senesac writes, “Being a member of AAW helps balance the solitary nature of being an artist. I am always pleased to be able to personally talk to patrons about my art work as well.”

    Elin Babcock, sculptor and jeweler, was glad to leave the isolation aspect of her creative process behind. “Membership in this art cooperative affords me the luxury of working, surrounded by many talented people. Conversations with AAW members have helped me formulate and verbalize much of the philosophy behind my art. I explore new artistic avenues in an atmosphere of safety and respect. The guests who come to our galleries appreciate the unique opportunity to meet the artist. They go home not only with a work of art, but also the insight and vision expressed by the artist. For me, that’s Ashland Art Works at its best.”

    Marcia O’Rourke, sculpture and graphic designer, is pleased to witness as visitors “return often to visit or purchase art for home, office or as gifts. They like connecting with the artists, look forward to new work and to being there as member-artists grow and explore new forms. They proudly bring friends to this artist cooperative. Ashland’s hidden treasure...”

    Being one of the founders of Ashland Art Works and experiencing its growth first hand, ceramic artist Randy Warren has come to realize that “what was once a dream has come to fruition. It has been quite an adventure, with the rewards being realized every time I set foot on the grounds. The energy and elevated level of awareness of the arts can be felt as one tours through the galleries and gardens. The restored cottages and tightly knit community of artists have preserved the richness of Ashland’s heritage. Being a native of Ashland, I find this to be very comforting. With the final phase our workshop space completed, the artists can now share their talents with the community. It truly is a haven for art and the artist.”

    Any group of people working together finds that it takes intention of harmony in each group decision. Cheryl Kempner, ceramic artist, speaks as a pragmatist. “Being part of a cooperative offers and demands much: new ideas bounce from person to person, new skills are shared, words of support have helped me during periods of personal distress. But because we are a group, it also takes effort to process ideas and listen to various perspectives.”

    For ceramist Brent Gorman, AAW is a sanctuary of sorts, “a community where the most important contribution to my work form my fellow members is their enthusiasm and encouragement. All this and the opportunity to play with mud and fire too!”

    Donna Marie has been a Thrown Stone Potter for the last two and a half years. “It has been a life-long dream of mine to work in a cooperative environment and it was a natural evolution to join this group of working artists, whose dedication to the arts and community continues to amaze me.”

    “There is no other place I know of where an artist can be surrounded by his peers and ask the important questions.” Nelson Davis is a wood sculptor. He feels, “To be put into an environment where artistic opinion is truly given from the heart is a godsend. I find myself unafraid to ask for a different view on a piece that has temporarily baffled me. Ideas that I have dismissed or put aside reemerge for consideration. Re-enforcement of the importance of artistic creation in continually nurtured in an environment of love and encouragement.”

    Joy Light, textile designer, also enjoys the growth she felt. “Having been part of the co-op for three years, my creative work has grown from hobby to a full time occupation, expanding beyond wearable art into frame works for the wall.” Her painted silk reflects her inspiration from the garden setting. “the beauty of nature here is strong and present in Ashland Creek. I enjoy the way the various media play off each other in the four niche galleries at the Art Works.” She will be focusing on administrating a workshop series, which will attract artists, craftspersons and participants for around the country. See their website www.ashlandartworks.com.

    Ashland Art Works harbors artists of diverse disciplines sharing a common appreciation of the place itself and each other. Michael Walsh, sculpture and teacher, speaks of each artist when he writes: “Above all it is a place for me to work. A beautiful studio; quiet, good light, surrounded by nature, within easy reach; other artists to laugh with, question with and hang out with. It’s a public place for everyone to visit, and on a frosty morning, or late at night, a worksite to come to, or a place to put out the lights and go home.

    Drawbridge To Europe

    Drawbridge to Europe provides rental properties for the traveler who wishes to vacation with all the comforts of home. By staying in your own local ‘Home’, you can more fully experience the culture you are visiting. Have a true foreign experience, not one insulated by a hotel.

    Drawbridge to Europe has properties located in the heart of Europe’s most exciting cities as well as secluded country villas for the traveler who wishes a quieter stay. From the modest apartments to luxurious manors, we can match your needs and budget with our large selection of beautiful vacation rentals. All our properties are fully furnished residence accommodations, complete with equipped kitchens.

    Drawbridge to Europe’s owner, Karin Volpert, has spent years helping travelers find their ideal vacation homes in Europe. Born and raised in Germany, Karin will share with you a natives’ insight to Europe and help you create a wonderful vacation.

    Representing properties of high quality has always been our primary goal. We travel Europe frequently to personally inspect our properties. We have the experience necessary to help you find the ideal villa, cottage or apartment for your vacation.

    Vacation rentals often prove more economical than a hotel counterparts when staying for a week or more in one location, especially while traveling with a family or group of friends. Having your own kitchen provides the opportunity fir tasting the local ingredients as well as more flexibility with your meals. We can also provide car rental service and travel insurance for your visit at very competitive rates.

    If you are online, visit our web sit to see some sample properties:
    htt://www.mind.net/europe

    Call or e-mail us with your dates and destinations and we will send a list of available properties to you promptly.

    Drawbridge To Europe
    5456 Adams Road, Talent, Oregon 97540
    Tel 888-268-1148
    Fax 541-512-0978
    Email dbridge@jeffnet.org

    The Ashland Gallery Association (AGA)

    The Ashland Gallery Association (AGA) is a non-profit creation and appreciation of fine art. Among our members are art galleries, and other businesses who display art, and artists who’s talents add to Ashland’s reputation as a thriving art venue. We now invite individuals from our community to join us as volunteers in the work we love-introducing art to everyone.

    The AGA hosts cultural events to bring art into the public eye. These include:

    The First Friday Art Walk held one evening each month.

    An annual Student Art Exhibit and A Taste of Ashland, a festival for art, food, and wine appreciation, held in late April each year. The AGA publishes monthly Gallery Tour maps and the annual Ashland Gallery Guide. We also offer information about the Ashland art scene to newspapers and on the AGA website, www.atasteofashland.com.

    Membership
    If you are a local gallery owner, a local business owner that exhibits art regularly, or an artist seeking more exposure, you are invited to join the Ashland Gallery Association.
    Galleries and other business candidates must meet criteria described in the “Join Us” section of our website. Qualified applications receive member benefits, including Gallery Guide and website listings, and can take part in AGA events.

    Individual artists and small studios are encouraged to join and become active participants in Ashland’s art community. All artist who wish to become involved in the AGA are welcome. Benefits include discounts on A Taste of Ashland tickets, a chance to display art during the Gala Preview and participation in the Quick Draw. Artist Members are also welcome to purchase listings in the Ashland Gallery Guide and on the website: www.atasteofashland.com

    A detailed outline of members benefits and application form are available at www.atasteofashland.com

    Join us!

    Friends of the AGA
    New this year: members of the general public may also join the AGA by becoming an “Art Friend”-A $25 Ashland Gallery Association membership entitles you to receive the Art Walk map in your mailbox each month, along with information on special art events in Ashland. Your membership places you in a community of artists and art enthusiasts. You may choose to join in the fun behind scenes as a volunteer among many working on A Taste of Ashland and other events. Or you may simply enjoy knowing you are supporting art in your community.

    It’s this easy: send us you name, address phone and e-mail (optional), with a check for $25 to:
    AGA
    PO Box 241
    Ashland, OR 97520

    We look forward to meeting you!

    Things To Do In Ashland For Kids Of All Ages

    Parks:
    Garfield Water Park
    Hunter Park
    Lithia Park Playground
    Water Slide at Emigrant Lake
    Skateboard Park

    Family Attractions:
    Science Works Hands On Museum
    YMCA
    North Mountain Park & Nature Center
    Schneider Museum of Art
    Southern Oregon Historical Society
    Brass Rubbings at Tudor Guild

    Restaurants:
    Northwest Pizza
    Standing Stone
    Pangea
    Lithia Fountain Grill
    Zoey’s Cafe
    Rocky Mountain Chocolate
    Senor Sams
    Wild Goose

    Where to Stay:
    Windmill Inn & Suites of Ashland
    La Quinta Inn & Suites
    Stratford Inn
    Holiday Inn Express

    Day Trips:
    Crater Lake
    Lake of the Woods
    Jacksonville

    Free Stuff:
    Visit the duck ponds
    Walk the path of Lithia Park
    Hike the trails
    Visit dog park with your furry friend
    Play tennis in Lithia Park
    The Shakespeare Festival’s Green Show in Summer
    Ballet in the Park during summer
    Band Concert in Lithia Park (summer)
    Have a picnic

    The Outdoors:
    Mt. Ashland Ski & Snowboard
    Rafting/kayaking on the Rogue
    Jet Boats on the Rogue River
    Oak Knoll Golf Course
    Ice Skating in Lithia ParkBike Riding

    Oak Hill Bed and Breakfast

    “ While you’re on vacation, let us take care of you.”


    1910 Farmhouse
    Quiet, Comfortable and Friendly
    WiFi and Guest Computer
    Inspired Breakfast and Garden Deck
    Oak Hill Cookies and Refreshments
    Hot Tea and Coffee All Hours
    Air Conditioned
    In-Room Thermostats
    Private Baths with Showers
    House Made Soaps and Lotions
    Sun Dried Fine Linens
    Electric Fireplace in Rooms
    Interesting Art Pieces
    Guest Telephone and Refrigerator
    Private Garden with Pond & Gazebo
    Soothing Front Porch Swing
    Relaxing Garden and Pergola

    At The Oak Hill Bead and Breakfast
    You Are Special
    Innkeepers: Pat & Tom Howard
    innkeeper@oakhillbb.com

    www.oakhillbb.com
    2190 Siskiyou Boulevard
    Ashland, OR 97520
    541-482-1554
    888-482-1554

    “What a wonderful experience! The Fern was very comfortable and all the little extras are appreciated. Thank you for making my trip to Ashland a memorable one.”
    Linda

    “ What a lovely room - so relaxing looking out over the hills.”
    - John & Bonnie

    “ It is such a pleasure to come home to this lovely Garden Room after seeing the plays. Hummingbirds outside the door are delightful.”
    - Chuck & Katie

    “ The Rose Room is beautiful, the garden relaxing and the food heavenly.”
    - Susan & Mike

    Schneider Museum of Art

    Southern Oregon University
    Schneider Museum of Art
    1250 Siskiyou Boulevard
    Ashland, Oregon 97520
    541-552-6245
    www.sou.edu/sma

    Directions to the Schneider Museum: Take Interstate-5 to Ashland, Exit 14. From the north, turn right onto Hwy 66. From the south, turn left. Go one mile and turn right on Siskiyou Boulevard, then immediate left onto Indiana Street. For metered parking, turn left into first alleyway. For forty-five minute parking, turn right into first driveway.

    Museum Hours: Tuesday-Saturday 10 a.m.-4p.m. First Fridays, 10 a.m.- 7p.m.
    $3 suggested donation

    Protect Yourself From Identity Theft

    Thirty million people will be affected by identity theft this year! Identity theft occurs when someone seals your personal information to establish credit, purchase items, or borrow money in your name.

    How can you help protect yourself against this growing epidemic? The following are tactics to combat identity theft:

    1. Safeguard your financial information such as checking and credit card numbers, and you Social Security number. Unless you know the person or organization you’re dealing with, don’t give it out, even to someone claiming to be your bank.

    2. Report lost or stolen checks immediately. Review deliveries of checks to make sure none have been stolen in transit.

    3. Notify your bank of suspicious phone inquiries such as those asking for account information to “verify a statement” or “award a prize.”

    4. Shred financial solicitations or financial statements before disposing them.

    5. Deposit your mail into a secure official postal service collection box.

    6. If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your mail to steal your identity.

    7. If your bills include questionable items investigate immediately. This is often the first sign of identity theft.

    8. Avoid phishing scams. Never reply direct or click on a link in response to an e-mail that asks for personal financial information. If you are concerned about your account, contact the company or institution via a website you know to be genuine. Remember your bank will never contact you to ask personal financial information. They already have that on file!

    Check list for victims. If you do become victim of identity theft, you should do the following:

    File a police report.
    Contact the bank.
    Notify credit bureau fraud units.
    Place a fraud alert statement on your credit report.
    Request that credit bureaus identify accounts closed due to fraud as “closed at consumer’s request.”
    Request a free credit report.
    Report check theft to check verification companies.
    Check post office for unauthorized change of address requests.Follow-up contacts with letter and keep copies of all correspondence.

    Mysterious APR

    When you see a real estate advertisement that quotes a payment amount, it must also include a number called APR. That stands for “annual interest rate.”

    When you apply for a mortgage, the lender is supposed to mail you a “good faith estimate” and a “trust in lending statement” within 3 days. The note rate is quoted along with the APR’s. The APR is always higher than the note rate you are quoted. Why?

    Partly because APR is a totally artificial number. It is not the note rate on your loan and does not determine your monthly payment. It is calculated according to a formula determined by the government and is supposed to provide a method for comparing one mortgage offer against another, even when rates, points and cost differ. The APR is supposed to help you determine your “true cost” of borrowing.

    What follows is a simplification of how the Apr is calculated: The lender totals up the certain specific costs associated with the loan and the interest rate that was quoted. Those costs are subtracted from the loan amount you inquired about. That results in a figure lower than your loan amount. Then the payment for your loan is calculated “as if” it were payment on the lower loan amount.

    As a result, the APR is always higher than the note rate you were quoted. The only exception is when your lender pays for all your costs, which is often referred to as a no cost loan. There really are costs- the lender is just paying them for you.

    Keep in mind that the explanation above is a simplification. Computers are used to actually calculate the APR. Loan officers can not sit down with a pencil and paper and figure it out, even using a calculator.

    There is some guesswork involved. For example, adjustable rate mortgages have an APR too-but nobody knows what rates will do in the future. Also, no lender really knows all the costs until the loan actually closes. That’s why a good faith estimate is called estimate. Since costs affect the APR, it cannot be accurately quoted until the end of the process. Even then it still is a fictional number.

    A loan with a lower interest rate and higher fees could easily have a higher APR than loan with a higher mote rate and lower cost, but...your true cost of borrowing may depend more on how long you keep the loan than anything else. Paying more points to get lower interests rate may save you money if you intend to remain in the property for a long time-even though it has a higher APR.

    If you are more confused about APR now than when you started, don’t worry. You’re in good company.

    Home Value Insurance Coverage What’s The Connection?

    According to the U.S. Census Bureau, Jackson County was the ninth fastest growing County in Oregon whit a population increase of 6.47 % in 2004 compared to 2000.

    Home prices grew even more, meaning that the median selling price in Jackson County saw a 9% increase from the prior year (220,000 in2004 v. 270,000 in 2005)

    Homeowners need enough insurance to cover the expense of rebuilding their home at current construction costs. When insuring you home, consider the following:Do not base your coverage on the home’s purchase price or market value. A homeowner needs enough insurance to cover the structure of the home, personal possessions, cost of additional living expenses and your liability to others. It is not necessary to include the cost of the land. If a home is completely destroyed, it is typically rebuilt on existing land.

    RCC Community Education Classes Designed With Retirees In Mind.

    Nourishment the enriches the mind , body and spirit- that’s what Community Education classes at Rogue Community College deliver- along with fun, excitement, and interesting challenges.

    Community Ed classes provide a chance to learn a skill you’ve long waited to pursue and the opportunity to follow the long-held dream. Now is the best time to learn a new language, design a Website, play guitar, or sing in a chorus- these and much more are happening at RCC through its Community Education classes.

    Discover how to sell those no-longer-needed items on the Internet for extra money, delve into ceramics, stretch out and take a yoga class for health and happiness, or find out how to e-mail your grandchildren. Classes are offered at convenient times in Jackson and Josephine Counties, with some sections taught over the Internet.

    Chances are outstanding that you will find one or more of RCC’s Community Education sessions enjoyable and personally enriching. Many of these popular and affordable classes are designed with senior citizens and retirees in mind. They can help you discover a brand new hobby, develop skills and knowledge, and meet interesting new people.

    With classes that range form Italian for travelers to making car repairs to getting the most out of your digital camera, there’s something for everyone. Instructors bring expertise and enthusiasm to share with the classroom

    Computers made easy: Computer classes always rate among Community Education’s most popular. The lineup includes Dreamweaver, a Website design class. Learn “Excel” at spreadsheets and budgeting through a class offered in Jackson and Josephine countries, including a section offered in Prospect.

    A perennial favorite for seniors, Computers Made Easy and Fun, also offered in both counties. This three-part series in broken into two-week increments and designed for folks who have never used computers or have minimal computer skills.

    A similar three-part series for beginners and taught in Spanish in Jackson County id called Computadoras Hechas Faciles y Divertadas. Also taught in Spanish are a home repair classes, Reparciones Caseras, and a driver training class.

    Other computer opportunities included Photoshop Elements, Touch Typing, and Internet and e-mail for Absolute Beginners.

    Rogue Area Seniors Computer Assistance League Services (RASCALS), is a club for computer users 55 and older. The club meets weekly, with classes at RCC Small Business Development Center in Grants Pass. For information call 552-0824.

    Explore your creative side: Always popular are art classes, with sections that include watercolors, drawing, floral design, digital photography, ceramics, as well as memoir writing, stained glass, jewelry and metalsmithing. Tap into your inner artist at RCC.

    Other courses cover duplicate bridge, interior decoration, woodcarving and woodshop for beginners, the ABC’s of home buying, and Mexican cuisine. Also available are basic and advanced fishing skills, knitting and crocheting and an introduction to renewable energy. Basic car maintenance is a hands-on class.

    Numerous languages are taught, including Spanish for the workplace, which focus on occupational Spanish for hotel staff. Or study American Sign Language, French, Italian, Japanese, or Russian. A Spanish literature class focuses on conversational Spanish through use of short stories.

    Fitness classes include ballet, Pilates, aerobics, Tai Chi, hiking with biologists and naturalists, Physicl conditioning, rock wall climbing, fencing, yoga, and “Strong Women Exercise,” strength training for women over 50.

    Internet offerings include earning extra income from the Internet. Learn to generate revenue selling at fixed prizes or on auction sites. Also on the Web are classes on how to get your writing published, along with grammar, spelling and writing refresher and a course on dynamic creative writing.

    Strike up the band: The college sponsors the RCC Community Concert Band and the new RCC Jazz Band. Rogue also organizes the RCC Chorus and the Community Symphony Orchestra. New members, including high school students, are welcome. Beginning and intermediate guitar classes are offered in both counties.

    Haven’t found what your looking for? Is there a class you’d like to teach? Let the Community Ed staff know- their goal is to meet your needs and interests.

    More information is available by calling RCC Community Education at 245-7619 or in Josephine County at 956-7303.

    These non-credit classes and dozens more are listed in the Community Education schedule, distributed each term in area newspapers and available at all RCC locations.
    To register of get course descriptions online, visit www.roguecc.edu/ce

    Special EventsRCC Community Education also co-sponsors the annual Home Gardening Seminar in conjunction with the Josephine County Master Gardeners and OSU Extension Office.

    The First Friday Art Walk in Ashland Oregon

    The First Friday Art Walk in Ashland has grown into a destination for visitors starting off their weekend of fun. Community members have known since 1995 how exciting it is to join with friends, or meet new ones, and discover new images and artists on the Art Walk. As in many large urban areas where it has become a tradition, it’s a great way to be updated on all the latest shows in the galleries.

    To navigate your way through the evening, find a map in the Gallery Tour brochure displayed at the Chamber of Commerce-near the corner of Main and Pioneer. It lists each member gallery’s current exhibit and location, and highlights a few galleries per month with a more in-depth look at what they offer. The same information is posted on AGA website, www.atasteofashland.com
    or www.ashlandgalleries.com.

    Beginning at 5 o’clock on the first Friday of every month, 29 galleries host receptions for new exhibits or special events. In many, you may meet the artist or listen to some fine musicians of the area. Eight galleries surround the Plaza downtown. Further uphill along Main Street there are eight more. In the Historical Railroad District. twelve galleries open their doors, most on A Street. The Schneider Museum of Art is located on an accessible corner of the SOU campus: Siskiyou Boulevard and Indiana Street. There, important exhibits on national tours open during the First Friday Art Walk’s extended hours. Flanking the Schneider are changing exhibits in two galleries of the Center of Visual Arts; student works in the Marion Ady Building, and community artists in the Art Building, making it a very worthwhile stop on First Friday, or anytime, In keeping with outreach goals of the AGA, every March First Friday, Ashland High School artists get a chance to exhibit in professional galleries and learn the fundamentals of art presentation.
    Become part of the aesthetic community and tradition in Ashland, while experiencing the visual arts and ambience of each welcoming gallery.

    Monday, December 11, 2006

    Unseen Treasures Of Ashland Oregon

    Unseen treasures are in abundance throughout Southern Oregon. On the out skirts of Ashland, Oregon you will find what appears to look to the naked eye another hillside. But on that Southern Oregon hillside near Ashland, Oregon hillside you will find two of this areas most remarkable treasure. There on the Circle of Teran Bee Ranch, previously cattle ranch, you will discover a labyrinth of lavender, which spans 200-foot diameter. Dr. Scott Young and his wife Sulara built this amazing labyrinth made of English in memorial of son who Teran, who died at birth.

    The labyrinth created by the Youngs is not a maze; it is the re-creation of a pilgrimage to the Holy city of Jerusalem. You can only enter the labyrinth composed of 3-foot tall lavender plants through a single entrance and exit. Created in 2002 by the Youngs, the labyrinth of lavender was completed in months. Starting the labyrinth by planting in the center and cultivating outward, the Youngs have established a unique destination in Southern Oregon. They hope it will provide those that venture through their labyrinth a time to mediate and reflect.

    Don’t forget to visit the other treasure, which resides on the Circle of Teran Bee Ranch, ask to see Scott’s tropical greenhouse. There you will truly take a trip to the tropics. Although Scott considers maintaining a tropical greenhouse a hobby, his greenhouse, which resides between the two wings of the house, is an amazing accomplishment. Scott has created and maintains a 2 story triangular tropical greenhouse measuring 50 feet on the elongated side and 25 feet on the littlest.

    From the healing herbs, which are scattered throughout to bananas hanging from dwarf banana trees, one opens a door into a tropical forest. There, growing among the papayas and mangoes, the Surinam cherries and the guava fruit you will find a koi pond and waterfall. Home to tea tree brushes and ginger plants, Scott’s tropical greenhouse is as impressive an achievement as the labyrinth that he and is wife created. There among the cacao and neem trees grow turmeric and ginger plants. With a temperature maintained form 75 to 80+ degrees, this quiet haven from the snows of winter is truly one of the unseen treasures of Southern Oregon.

    Sunday, October 01, 2006

    Medford Oregon A Hotbed For Medicine, Travel, Shopping and Culture.

    Medford has evolved from a minor railway hub into a regional hotbed for medicine, travel, shopping and culture.

    The Rogue Valley curves like a sickle through southwest Oregon. Here mountains envelope the wide valley floor in a sea of Douglas fir and blue spruce. The peaks deflect arctic blasts from the north and absorb sweltering gusts from the south. The result is a geographical and meteorological anomaly. Though Medford shares the same latitude with Boston and Chicago, the groundhog rarely sees a shadow. Snows, like rice at a wedding, appear with a flourish and scatter just as quickly. Summer temperatures are also mild. Highs often reach the 90s, yet the air is dry and nights are cool.

    Medford possesses a pair of medical centers that serve a two-state region. Though barely 70,000 in population, the city is home to a modern airport with jet service to eight hubs. Medford's has limitless outdoor attractions—fishing, sailing, water skiing, snow skiing, hiking, biking, rafting and gliding, all within a half-hour's drive. Shopping, whether at retail super-centers, outlet malls or niche boutiques, is another local pastime. Despite the changes, Medford is not a resort town.

    Pears—Medford's most famous export, benefit from the valley's unique ecology. One might go so far as to say they are treated like royalty. After all, the local variety is trademarked "Royal Riviera." Medford is home to Harry and David, the nation's leading direct marketer of gourmet fruits and food gifts. The Medford-based company is also southern Oregon's largest employer, with 8,500 year-round workers and some 2,500 more during picking season. The city's hospitality has also benefited Harry and David. Once a humble, 240-acre pear orchard, the company now harvests 3,400 acres of pear and peach trees within the Rogue Valley. Thousands more stand ready should demand increase. The company even hosts guided tours from its fully staffed, amply stocked Country Village gift shop.

    When in the Rogue Valley be sure to attend the Oregon Shakespeare Festival in nearby Ashland, catch acts at Medford's Craterian Ginger Rogers Theater or The Britt Park, some five miles to the west in Jacksonville. There is much to do in the Rogue Valley, where the Siskiyou Mountains and the Cascade and Coastal ranges are seldom out of sight.

    Thursday, February 02, 2006

    Ashland Oregon - Southern Oregon’s Arts Hub

    After spending just a few days in Ashland Oregon, Southern Oregon’s arts hub, you will be convinced about value of experiencing the culture and cuisine in Ashland. The strength of Ashland Oregon’s culinary has expanded to rival its’ cultural charm. From New Sammy’s Cowboy Bistro to Greenleaf Restaurant Ashland Oregon is the newest eatery to enter the scene.

    Offering a wine cellar that offers 18,000 bottles to choose from, New Sammy’s Cowboy Bistro has become one of the most popular restaurants to call Ashland, Oregon home. So do wait until last minute to make a reservation.

    Greenleaf Restaurant, A local favorite since 1985, Greenleaf Restaurant offers a diverse menu of fresh, healthy and delicious fare for the whole family. Breakfast, lunch and dinner; and snacks with lots of vegetarian choices. There is something for every taste at affordable prices. In addition to their extensive menu offers daily specials, fresh baked fruit pies and delicious cakes, along with a full line of espresso drinks, and a wide variety of Northwest beer and wine.Everything on their menu is available to go. For those who want to have a bite in the park, they offer catering, picnics and boxed lunches for large and small groups.

    At the heat of Ashland Oregon, the Oregon Shakespeare Festival will enter it s 71st year. For the 2006 season there will be 11 plays, with only four of those Shakespearean plays. The eight-month season begins with previews that start on February 17. On October 29th the curtain falls on the festival. For the Shakespeare connoisseur the festival offers lectures, classes, and backstage tours. The Oregon Shakespeare Festival is a must for anyone who is a true fan of the Bard.

    Oregon Cabaret Theartre offers a musical alternative to the Oregon Shakespeare Festival and expanding the cultural horizons of our town.

    While in town for the festival take a stroll trough Lithia Park. This charming park extends the length of Ashland Creek all the way up and into the foothills. For Oregon the climate of Ashland offers is temperate with long summers that are warm and dry.

    You can find interesting and engaging activities to fill you days in the Rogue Valley that Ashland makes its’ home in. The Rogue Valley offers you everything from wine touring to rafting.

    Ashland Oregon also offers captivating shops, art galleries, and working studios. From American Trails offering Native American gifts and collectables to Out of the Blue, a shop that offers tribal masks, fabrics, rare beads, geological samples and astonishing furniture. From the Hanson Howard Gallery located close to the plaza, to Davis and Cline located on A Street in the Railroad District, our galleries offer interesting and unusual art from the region and around the world.

    Accommodations While In Ashland

    Rates listed here range from the lowest-price room in low season (winter) to the highestPrice room in high season (summer).

    McCall House one block from Oregon Shakespeare Festival, this our lovingly restored Italianate mansion offers luxurious accommodations in Victorian inspired suites and guestrooms. For current rates go to their web site: http://www.mccallhouse.com

    Ashland Creek Inn $125-$300. Luxurious B&B On the creek, a block fro the plaza. Seven suites, all with kitchens and decks; some with fireplaces. 70Water St., (541) 482-3315, www.ashlandcreekinn.com.

    Ashland Springs Hotel $69-$199. On site restaurant and 70 rooms. 212 E. Main St., (888) 795-4545, www.ashlandspringshotel.com

    Peerless Hotel and Restaurant $74-$242 Restored 1900 brick boardinghouse in the Railroad District with four rooms and two suites. 243 Fourth St. (800) 460-8758 www.peerlesshotel.com.

    Winchester Inn $129-$239. Full restaurant, wine bar, and 19 rooms andSuites in two cottages and two Victorian homes. 35 S. Second St., (800) 972-4991, www.winchesterinn.com.

    Things to See and Do While In Ashland

    First Friday Art Walk A walking tour of downtown galleries on the first Friday of each month, some serving wine and hors d’oeuvres. (877) 752-6278.

    Lithia Park Woodland Trail Guidebooks are $2 at the chamber of commerce office, 110 E Main ST., (541) 482-3456.

    Mt. Ashland Ski Area 23 trails. (541) 482-2897,
    http://www.mtashland.com/

    Oregon Cabaret Theatre First and Hargadine streets, (541) 488-2902,
    http://www.oregoncabaret.com/.


    Rogue Valley Symphony On the Southern Oregon University campus, (541)
    552-6398, http://www.rvsymphony.org/


    Restaraunts:


    Greenleaf Restaurant open every day from 8am to 8pm. We are located
    at 49 N. Main. (541) 482-2808. All major credit cards accepted

    New Sammy’s Cowboy Bistro Acclaimed restaurant just outside of town. Opens
    Feb 14; book well in advance. 2210 S. Pacific Hwy., 535-2779.

    Pilaf Vegetarian Dishes from the Middle East, the Mediterranean, and India,
    18 Calle Guanajuato, (541) 488-7898.


    Ashland Oregon Reveiwed By Sunset Magazine

    "Ashland is the shimmering nugget that stands at the gateway to the beautiful Pacific Northwest. Home of the Oregon Shakespeare Festival and numerous cultural activities, Ashland provides an enriching experience for all. Nestled among clear lakes and rivers in the foothills of the majestic Siskiyou mountains, Ashland is a sports enthusiast’s and nature lover’s dream. There is easy access to trails and exciting outdoor adventures right from downtown. Ashland is approached through fertile orchards and vineyards, along a wide boulevard to the Plaza, passing quaint neighborhoods, full of trees, gardens and parks. It’s a people town - a place to walk, bike, browse and enjoy. Stroll through the 100 acres of our celebrated Lithia Park, sip coffee at our many cafes, or shop in our unique selection of bookstores, galleries and boutiques. After you’ve visited us, you’ll understand Sunset Magazine’s characterization of Ashland - 'Where the town itself is the major attraction.'"


    Ashland lies 15 miles north of the California border, in the foothills of a snowcapped peak, surrounded by mountains. Southern Oregon University is located there, as well as the world-renowned Oregon Shakespeare Festival.

    Ashland's population is comprised of both lifelong residents, solidly rooted in small-town living, and former metropolitan area residents looking for a more relaxed pace and a better quality of life.





    Attending the Oregon Shakespeare Festival


    Oregon Shakespeare Festival
    15 South Pioneer Street
    Ashland, OR
    (541) 482-4331

    Oregon Shakespeare Festival website


    • Hours: Matinees and evening shows most days, dark (closed) Mondays

    • Reservations: Highly recommended

    • Cost: Ticket prices vary, with discounts for young people aged 6 through 17, and lower prices for previews

    • Location: Downtown Ashland, Oregon, driving directions below

    • How Long: Allow a half day to see one show, but many people spend several days here, watching a multi-part play or several individual performances

    • Best Time to Visit: The season runs from late February through the end of October; you'll find more to do mid-June through September, but tickets are cheaper February
      through June and in October


    Oregon Shakespeare Festival Review

    Founded in 1937 by a local drama professor, the festival has grown from a couple of shows to nine months of dramatic performances on three stages. The performance quality here rivals that anywhere in the country, and they won the Tony Award for Regional Theatre to prove it.

    With a theater capacity of about 2,000 people, the festival doesn't stress this town of 20,000 as much as you might think, and things are quite calm even when it's almost showtime. However, it doesn't hurt to arrive early and make dinner reservations to ensure a trouble-free evening.


    It's More Than Just Shakespeare

    If you don't like Shakespeare but enjoy other forms of theater, don't dismiss the Oregon Shakespeare Festival. While half the shows are indeed Shakespeare's works, the other half encompass a wide range of works. The 2004 Oregon Shakespeare Festival season included A Raisin in the Sun, Humble Boy, Topdog/Underdog and The Royal Family. Online program notes for each play include age suitability if you're taking a young person along (who must be over 6 years old).

    Performances are held in the 1,200-seat Elizabethan Open-Air Theater, the 600-seat Angus Bowmer Theater (named for the Oregon Shakespeare Festival founder) and New Theater, a configurable space of 250 to 350 seats.

    Besides the plays, the Oregon Shakespeare Festival offers other actitivities, including:

    Backstage Tours: Daily at 10:00 a.m., reservations required.

    Festival Noons: Lectures, concerts and other events. These ticketed events are held at noon, mid-June through September.

    Park Talks: Free, informal Q and A sessions with Oregon Shakespeare Festival performers. Held at noon, mid-June through September, most Tuesdays, Thursdays, Saturdays and Sundays in the Bill Patton Garden, outside Elizabethan Theatre Gate .

    Shakespeare's First Folio: One of the world's finest copies is on loan Microsoft executive Paul Allen's collection. It's on view every Thursday, 11:30 a.m. - 12:30 p.m., mid-June through September. Tickets required.

    Green Show: A free, outdoor performance held before the evening show, mid-June through September in the Courtyard.


    Buying Oregon Shakespeare Festival Tickets

    Ticket sales for the Oregon Shakespeare Festival start in late January. Order online through their website, where you can select and pay for multiple performances all at once. A few hints about ordering tickets:



    Order as far ahead as you can.

    Check the location of the best avaialable seats in each section. I saved $17 per ticket by doing this, snagging seats only 2 spots away from the more-expensive ones.

    Take care when using the festival schedule calendar. Their calendar is set up Tuesday through Sunday, so the rightmost day is Sunday, not Saturday. Be sure you double-check the date and order for the right day.

    When you order, ask for the tickets to be held at Will Call. That way you can't lose them or leave them at home. Print your reservation confirmation and carry identification with you, just in case you need them.

    What about rain for the outdoor performances? The show goes on, but you can get a voucher if you choose to leave because of rain during the first hour and 15 minutes of the performance.

    If you need to exchange tickets, they must be received at the Oregon Shakespeare Festival Box Office at least 7 days before the performance. There is a $1 per ticket exchange fee.



    Getting to the Oregon Shakespeare Festival

    Ashland is located on I-5, 350 miles north of San Francisco and 285 miles south of Portland, Oregon. You can find detailed driving directions at the Oregon Shakespeare Festival website.

    You can find parking in a paid lot near the Oregon Shakespeare Festival entrance, or park in one of the public lots downtown, a few blocks away, with no time limit after 8:00 p.m.



    Ashland’s Water Quality Is Outstanding

    Ashland’s benefits from one of Oregon’s finest municipal water supplies according to the city’s annual water quality report as required by the Environmental Protection Agency. Ashland ranks as having some of the cleanest municipal water supplies in Oregon.

    Environmental Protection Agency necessitates the Ashland publish annual results for levels of asbestos, chlorine, lead, copper, and inorganic material. Ashland must also publish the annual results for turbidity, a gauge of the purity of water. Ashland receives a remarkably good score of on the test of each of the above.