THE MACCABI CLUB OF DETROIT AND THE JEWISH COMMUNITY CENTER IMMENL WHY RENT? page 107 announce TRYOUTS FOR PARTICIPATION IN THE 1995 MACCABI YOUTH GAMES HOUSTON AND LOS ANGELES: AUGUST 11-170R 18, 1995 Boys and girls ages 12-16 (as of 8-1-95) are eligible TRYOUT SCHEDULE Boys Soccer Girls Soccer Boys Softball Girls Softball Swimming Water Polo Track/Field Golf Gymnastics Racquetball Volleyball Girls Basketball *Boys Basketball Table Tennis Boys and Girls Tennis Sunday, February 26 5:00 P.M. Sunday, February 26 5:00 P.M. Sunday, February 26 6:30 PM. Sunday, February 26 6:30 PM. Thursday, March 2, Meeting Only 7:30 P.M. Thursday, March 2, Meeting Only 7:30 P.M. Thursday, March 2, Meeting Only 7:30 PM. Thursday, March 2, Meeting Only 7:30 P.M. Thursday, March 2, Meeting Only 7:30 PM. Sunday, March 5 2:00 P.M. Thursday, March 2 and 9 6:00 P.M. Sunday, March 12 and 19 5:30 PM. Sunday, March 12 and 19 6:00 PM. Sunday, March 19 6:00 PM. Sundays in March and April. Call 683-2848 evenings for entry form or pick one up at the physical education office at either JCC building. In order to be eligible to compete, entries must be received by 5:00 P.M. on 3/3/95. There will be separate 12-14 and 15-16 year old boys basketball teams. ALL TRYOUTS WILL BE AT THE MAPLE/DRAKE JEWISH COMMUNITY CENTER It will not be known which city individual teams will be going to at tryout time. Individual sports will be competed separately for boys and girls in the following divisions: GIRLS: 12-14; 15-16. BOYS: 12-14; 15-16. For further information, call Alan Horowitz at 737-0639 evenings. Canoeing • Riding Kayaking • Tennis Backpacking Archery • Nature Drama • Canoe Trips Arts and Crafts Since 1934 Arowhon has been known for intense teaching of skills and "the best waterfront program in North America." In the Algonquin Park wilderness boys and girls aged 7-16 are nurtured and challenged. Take advantage of the favorable Canadian $ exchange rate! DETROIT INFORMATION SESSION: Sunday, February 26 at 5:00 p.m. Birmingham Community House VISIT US AT CAMP FAIR Sunday, February 26, 11 a.m. - 3:30 p.m. West Hills Middle School at Lone Pine Rd., East of Middlebelt Info.: 72 Lyndhurst Ave. Toronto, Ontario M5R 2Z7 Tel (416) 975 9060 Fax: (416) 975-0130 ACCALCRED CAA, - Ourociethwe oe Stamell's Dynamic Muffler & Brake Bring In Your Coupons And Warranties — We'll Work With You! DYNAMIC CAR CARE CENTER 0 with this ad 1 MILE RD, 3 1IN 321VH0210 TUNE-UPS I Cs* •aa •xi • Mufflers • Brakes • Shocks • Alignment • Maintenance CAW) I la l the Grosses, if something were to break or need repair, Mr. Gold- man has money set aside to fix it. "It seems like we're always do- ing some sort of project," said Mr. Gross, whose next undertaking will be putting new blinds on the windows. Mr. Katzen has done a few pro- jects around the house too. Last summer, his big undertaking was building a deck. While many young homeown- ers feel renting is like throwing out money, leasing a house or an apartment may still be the best option for some young adults. An- drew Hayman, of the Hayman Co., a Troy-based commercial real estate business which specializes "Finding and buying a house are the worst parts." — David Goldman in apartment management, dis- cussed the benefits of renting. "There are less worries in- volved," said Mr. Hayman, a 20- something apartment renter himself. "As a renter, you're not paying for any maintenance, property taxes or insurance and you can move when you want. An apartment gives you flexibility and you're not locked in for years." But, says Ms. Gross, one of the best aspects of ownership is: "It's mine. I can put holes in the walls and no one cares." D Ready To Buy A Home? CAMP AR Windsurfing • Sailing percent down payment. Now, his monthly mortgage payments are $388, about half the amount he would be spending on rent, he said. "I see renting as throwing money out the window. It's not a good financial decision. Most peo- ple don't realize how little you need to get into a house," said Mr. Katzen, who enjoyed his experi- ences in purchasing a house enough to change careers and be- come a real estate agent. "It's a lot of responsibility, but it lets you be independent at the same time." Mr. Goldman shares the re- sponsibility with two roommates, who each rent a room in his house. The trio share cutting the grass, shoveling the snow and taking out the garbage. "The process of finding and buying a house are the worst parts," Mr. Goldman said. "It took me between three and four months. The best advice I can give to someone looking to buy a house is: be patient. "There is nothing bad about owning a house. The worst thing I can think of is the neighbor's dog, who occasionally eats our garbage." Even the upkeep and mainte- nance don't bother Mr. Goldman. Maybe it's because he was cov- ered by a warranty for his first year in the house or because the most damage he has incurred was a broken sump pump that was covered, except for a $100 de- ductible, by insurance. However, like Mr. Katzen and Open Monday-Saturday 32661 Northwestern Hw . Farmin ton Hills • 851-3883 starting at $39.95 4 cyi. Sick of writing a monthly rent check or living at home? Pur- chasing a home sounds over- whelming, but young adult homeowners promise the bene- fits outweigh the costs. During a recent home own- ership workshop co-sponsored by the Neighborhood Project, the Michigan Group and First Federal of Michigan, prospec- tive buyers learned the step-by- step process that should be followed when buying a home. These experts stress the im- portance of following a set of guidelines when purchasing a new home. Assessing your financial sit- uation is an important first step. You can start by comparing cur- rent non-housing expenses like food, clothing, car payments, en- tertainment and debt payments to your gross monthly income. This will give you a good idea of how much you have left for housing related expenses. Realtors from the Michigan Group tell prospective buyers to also think about ownership re- sponsibilities and the possible change in lifestyle they can face as a homeowner. Ask yourself how much you want to spend on a home and how much of a down payment you can make. Once that initial decision to buy is made, look for an area where you find the homes ap- pealing and affordable. Finding a trustworthy and educated realtor is also impor- tant. Once a realtor is found, that person can help you through the complex process of making a purchase offer, mak- ing a loan application, conduct- ing a title search and closing the deal. D —J.F.