tigard 97223 community advantage guide

Remodeling: A Healthy Investment For You and Your HomeIs now a good time to remodel?Now is the perfect time to remodel! Since more and more people are staying in their homes longer, home owners are needing to feel more and more comfortable with what they have. Investing in a remodel will make your home something that can be enjoyed for you and your family’s needs not just now but down the road as well. So many home owners remodel when they are ready to sell their home, but why not remodel today so you can enjoy your investment. An updated, clean, well functioning home is a healthy investment right now.

Will I see a return on my investment?It’s the fundamental question facing anyone who has ever embarked on a home renovation: How likely am I to get the money back when I sell my house?

There’s no easy answer, because each home is unique in size, quality, age and location. One thing however remains constant with each home; certain remodel projects are better investments when it comes to your home. While a quality, well executed remodel will always be a positive for your home, there are some investments that yield not only monetary results, but will help you sell your home quickly. According to the National Association of Realtors (NAR), homes with newly remodeled kitchens and bathrooms are more than twice as likely to sell, and for a higher price in a shorter amount of time, than homes in which these rooms are outdated.

Here is a sample of returns for some of the most popular home remodeling projects. Statistics are compiled from the Remodeling 2011-12 Cost vs. Value Report and based on projects in the Pacific Region.

Why should I hire Gibb Construction and Remodeling, Inc.?With over 17 years of experience, Tom Gibb, owner of Gibb Construction and Remodeling Inc., is much more than just a contractor. With experience in drafting, architecture, and design work, your project will receive the creative attention that is necessary to deliver the highest quality. During each step of the process you will be educated in the latest materials and products available to make your home both healthy and comfortable. Our goal is to listen to your needs and to make every effort to ensure that your design is the right fit for your lifestyle and budget.


Is Bankruptcy Right For You?By George Hoselton, Attorney

If you are like many Americans you may be living in a nightmare of calls from creditors and mailboxes overfl owing with collection notices. Everyone deserves a second chance. Fortunately, the laws of the United States give people the opportunity to start over by wiping away their debts.

If you fi nd yourself in an increasingly precarious fi nancial position, you may think of fi ling for bankruptcy protection. Give us a call and come meet with us, you don’t need anything when you fi rst come in, and we can answer your questions. How do you know if this is really the best way for you to get back on an even footing? What paperwork will you need for us to help you?

While DIY is fairly popular in many things, fi ling for bankruptcy protection is best left to those who know what they’re doing -- an attorney concentrating his practice on bankruptcy. We do not charge for an initial consultation. The reason is that we fi nd value in encouraging people to talk about their situations and feel comfortable before making any decisions about the best path to a fi nancial fresh start.

Again, you DON’T need to bring anything with you the fi rst visit. BUT, if you are sure that bankruptcy is the next step for you and you’d like to get started with your fi rst appointment there are a few things you’ll want to do.

1. Gather your bills and pay stubsPut all your personal fi nancial documents into two stacks. In one stack, compile all your income documents, whether paystubs or cancelled checks or other evidence of what you’ve earned over the last six months. If you have only one employer, that’s easy. However, ALL income is counted here, so be sure you have all the information you would have to declare on your tax return at the end of the year. Be sure to include any rental income.On the other side of the table, sort your bills by category for the same 6-month span: all taxes; mortgage/rent/utility bills; medical expenses; credit card, student loans or other unsecured bills; car loans or secured bills; and any miscellaneous debt. And don’t worry about the size of this stack. It’s almost impossible to present us with too much data. We prefer to have more than less.

2. Get a copy of your credit reportYou can get a copy of your credit report free once a year. Many of our clients go to annualcreditreport.com to download their reports. If you’ve used your free report for the year, we can obtain it for a nominal fee.

3. Make a list of your property, both real estate and personal effectsNow, sit back and take stock of your assets. Items to consider here are real estate, vehicles, household goods, stocks, jewelry, guns, artwork, retirement accounts, insurance and bank accounts.

Finally, give us a call to set up a FREE consultation to discuss your options. The hardest step in the process is the fi rst one, but together we can help you chart a new path to your fi nancial future.

Around Your Community > > >L O C A L F U N I D I N I N G I S H O P S I V A C A T I O N S P O T S

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Dr. David A. Torkko, Your Health & Wellness Expert for 25 years

Tired of Feeling Sick and Tired?BY DR. DAvID A. ToRkko

• Do you wake up tired and achy?

• By the middle of the day, are you feeling out of gas and have to pump up on caffeine or energy drinks?

• Are you feeling “your age?” Is getting older feeling older, not better?

• Do back and neck aches, headaches, and sore joints make you feel depressed about your age and what the future holds?

If you’ve said YES to any of these problems and frustrations, YoU ARE NoT ALoNE!

For over 25 ½ years, I’ve helped thousands of people, just like you, regain their health and pain-free function at any age by showing you the “why” – why you have these issues – and how to correct the underlying causes.

Our bodies are amazing machines, but without the proper mainte-nance or repairs, age will catch up to you. Like any machine, the harder you use or drive it, the more likely it will wear out or break down without repairs and maintenance.

Stop feeling sick and tired and take action TODAY!

Your health affects everything you do and everyone you know and love. With so many depending on you, simply make that call and change your life!

CALL 503-595-6777 and start making a positive change to regain your health today!

Baseball4/20/12 5:00Pm vs. Forest grove

4/24/12 5:00Pm vs. mcminnville

4/25/12 5:00Pm @ mcminnville


5/01/12 5:00Pm @ Hillsboro

5/02/12 5:00Pm vs. Hillsboro


5/08/12 5:00Pm @ newberg

5/09/12 5:00Pm vs. newberg

softball4/20/12 5:00Pm vs. newberg


4/25/12 5:00Pm @ Century

4/27/12 5:00Pm vs. glencoe

4/30/12 5:00Pm @ Forest grove

5/02/12 5:00Pm vs. tualatin




Boys tennis4/24/12 4:00Pm @ tualatin


4/30/12 4:00Pm @ newberg


girls tennis4/24/12 4:00Pm vs. tualatin




Coed track4/21/12 10:00Am@ Hayward Field

5/02/12 3:45Pm vs. tualatin

5/05/12 4:00Pm @ grant

For The Latest Updates Please Visit www.ttsd.k12.or.us or www.highschoolsports.net

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