how do i sell my house myself by joshgill

VIEWS: 154 PAGES: 17

									   FOR SALE BY OWNER




FIRST AID KIT
Preparation
                           Home Seller’s Checklist
During The Listing

   A complete home inspection for repairs (checklist included in this kit)
   Take interior and exterior photographs
   Write and place advertisements in newspapers
   Advertise home on the Internet
   Create property flyers
   Send mailings to neighbors
   Hold an open house
   Prepare a finance plan
   Place a Yard Sign on property
   Make plans for move/new home purchase

Before Closing The Sale

   Title Search
   Choose attorney for contract review and settlement
   Sellers Disclosure (to be attached to sales contracts)
   Certificate of Occupancy
   C of O Inspection
   Home Inspections – including engineering, insect, radon (may include water &
    septic), mold.
   Prepare contracts
   Lead Paint Disclosures Pamphlet
   Credit Check
   Sellers Disclosure (to be attached to sales contracts)
   Home Inspection Rider(s)
   Copy of RESPA Statement
     Inspection Checklist: Interior
     The following is a checklist, detailed to help you make an inspection and repair record as you prepare
     your house for sale.

Kitchen:                                 Family Room/Study                           New shower curtain
 Sink free of cracks                     Cracks in ceiling and walls repaired      All supplies stored
 Sink free of stains                     Water stains covered                      Guest towels out
 No dripping faucets                     Walls recently painted
 Refrigerator defrosted                  Wallpaper repaired                     Bedroom:
 Appliances in good working              Woodwork repainted                      Cracks in ceiling and walls repaired
condition                                 Windows washed                          Water stains covered
 Missing floor tiles replaced            Cracked or missing panes replaced       Walls recently painted
 Walls free of grease stains             Curtains washed and ironed              Wallpaper repaired
 Countertops cleared                     Windows operating freely                Woodwork repainted
 Pantry and cabinet                      Draperies open to show view             Windows washed
         Neatly arranged                  Floor waxed                             Cracked or missing panes replaced
         Hardware replaced                Floor refinished                        Curtains washed and ironed
         Excess Storage removed           Carpets clean and secure                Windows operating freely
         Grease stains removed            Furniture positioned to show space      Draperies open to show view
                                          Large pieces stored elsewhere           Floor waxed
Living Room:                              Hobby Supplies put away                 Floor refinished
 Cracks in ceiling and walls repaired                                             Carpets clean and secure
 Water Stains covered                   Children’s Bedroom:                       Furniture positioned to show space
 Walls recently painted                  Cracks in ceiling and walls repaired    Large pieces stored elsewhere
 Wallpaper repaired                      Water stains covered                    Bed made
 Woodwork repainted                      Walls recently painted                  Night table supplies stored
 Windows washed                          Wallpaper repaired                      Laundry put away.
 Cracked or missing panes replaced       Woodwork repainted
 Curtains washed and ironed              Windows washed                         Entrance Hall:
 Windows operating freely                Cracked or missing panes replaced       Doorbell operating
 Draperies open to show view             Curtains washed and ironed              Door recently painted
 Floor waxed                             Windows operating freely                Door brass polished
 Floor refinished                        Draperies open to show view             Hardware operating
 Carpets clean and secure                Floor waxed                             Hinges oiled
 Furniture positioned to show space      Floor refinished                        Broken hinges replaced
 Large pieces stored elsewhere           Carpets clean and secure                Entryway lights operating
                                          Furniture positioned to show space      Floors cleaned
Dining Room:                              Large pieces stored elsewhere           Rugs cleaned and secure
 Cracks in ceiling and walls repaired    Bed made                                Curtains washed and ironed
 Water stains covered                    Laundry put away                        Windows washed
 Walls recently painted                  Unused toys cleared out                 Closet light operating
 Wallpaper repaired                      All toys shelved or put away            Closet cleaned out
 Woodwork repainted                      Floor free from clutter                 Walls recently painted
 Windows washed                                                                   Wallpaper repaired
 Cracked or missing panes replaced      Bathroom:                                 Ceiling and walls cracks repaired.
 Curtains washed and ironed              Sink stains removed
 Windows operating freely                Leaky faucets repaired
 Draperies open to show view             Stains removed from grouting
 Floor waxed                             All joints caulked
 Floor refinished                        Broken or missing tiles replaced
 Carpets clean and secure                All fixtures operating
 Furniture positioned to show space      Wallpaper repaired
 Large pieces stored elsewhere           Recently painted
 Tablecloth fresh                        Floors cleaned
Inspection Checklist
Exterior, Basement and Garage
The following is a checklist, detailed to help you make an inspection and repair record as you
prepare your house for sale.

Landscaping:                                           Dehumidifier installed
 Lawn in good condition                               Sump pump installed
 Grass mowed                                          No musty odors
 Edges trimmed around                                 Drains cleared
    Walks                                             Furnace cleared
    Driveways                                         Storage neatly arranged
    Trees                                             Excess storage removed
    Fences                                            Floor swept
 Dead branches pruned                                 Light fixtures operating
 Dead trees removed                                   Laundry area clean and light
 Dead shrubs removed/replaced                         Stairway free of cleaning equipment
 Overgrown shrubs pruned                              Handrail secure
                                                       Stairway runners secure and clean
Exterior of House:
 Recently painted                                  Garage:
 Free of flaking paint                              Excess storage removed
 Gutters free of rust                               Floor swept and clear
 Gutters recently painted                           Tools stored neatly on pegboard
 Exterior lights operating                          Paint supplies stored on shelves
 Missing shingles replaced                          Garden equipment on hooks
 Doorbell working                                   Workbench area well lit
 Exterior brass polished                            Light fixtures operating
 Windows                                            Oil spots removed from floor
    Cracked panes replaced                          Door operating
    Trim recently painted                           Door lubricated
    Work freely                                     Cracked or missing windowpanes
                                                       replaced
Driveway & Patios:                                   Electric door opener operable.
 Resurfaced
 Potholes patched
 Recently sealed
 Pebbles smoothed
 Pebbles weeded
 Wood stained or painted
 Fencing secure
 No standing water


Basement:
 Cracks in ceiling and walls repaired
 No evidence of water penetration
 Dampness removed
 Cold water pipes covered
How to Make Your Garage Sale a Smashing Success!
   Allow plenty of time – three to four weeks – to prepare for the sale
   Choose a date that will not conflict with holidays or other special events that might lure
    prospective customers away.
   Weekends are more convenient for more people than weekdays.
   Your sale is likely to attract more customers if you join together with neighbors. Some
    homeowners’ groups sponsor neighborhood sales that are proving popular.
   Practical household goods; bicycles, children’s toys and clothes, sports equipment and
    garden tools are popular items; adult clothing has less appeal and should be priced
    accordingly. Ideally, a place for trying on clothes should be provided.
   Merchandise your items attractively in neat, clean surroundings. Paper tablecloths offer a
    pretty setting for glass and ornamental items. Cluster things in categories; place most
    desirable items in the back of the garage so browsers are urged to look at other merchandise
    on their way to the most popular items.
   Have a 25 cent miscellaneous table for young shoppers.
   All items should be clean, polished and in good repair. Clothes should be sized accurately
    and hung on a temporary rack using two ladders and a pole.
   Locate your appliance table near an outlet so customers may try before they buy.
   Be sure there are adequate parking spaces and a place to load large items.
   Have plenty of paper bags and boxes for packing and newspapers for wrapping glass items.
   Place a classified ad in the local papers, including 3 or 4 specific items for sale, directions
    and other pertinent details.
   Take advantage of free publicity provided by bulletin boards in grocery stores and other
    public places.
   Provide directional signs to your property if needed, using a permanent market with a broad
    tip.
   If your home is listed for sale, have your Realtor hold an open house on the same day as the
    garage sale, thus increasing interest in both the house and the sale.
   Visit other sales to form an idea of how to price things but remember that garage sale
    shoppers are looking for bargains. Be prepared to lower your price.
   Really valuable items such as antiques should not be sold at a garage sale; because it is
    unlikely they will bring the desired price from bargain minded shoppers. On the other hand,
    nothing is too worthless to be valuable to someone. Have a giveaway box for old magazines
    and other assorted odds and ends.
   Post a notice that all sales are final and payment must be in cash.
   Have plenty of change in a cash box kept in a protected spot. Keep a record of sales,
    especially when there are several sellers. A simple and efficient way to record prices is to use
    small white stickers to price items. When the item is purchased, remove the sticker and place
    it next to the name of the seller.

A little organization will make for a successful sale and an uncluttered home!
Buyer Mortgage Pre-Qualification Worksheet

Buyer: ______________________________________ Date:____________________________

       1. Gross Monthly Income (GMI)               $___________________________________
       2. Reoccurring Monthly Debts                $___________________________________

Car:                            Child Support                    Other:
Credit Card:                    Other:                           Other:
Credit Card                     Other:                           Other:
Loan:                           Other:                           Other:

Total Monthly Debts                                $___________________________________

       3. 1st Qualifying Ration
          ____________x 28% = ___________________(A)
                                 (PITI)
       4. 2nd Qualifying Ratio
          ____________ x 36% = ___________ - __________________ = ___________(B)
           (GMI)                              (Total Monthly Debt)    PITI

The Qualified Monthly Payment (PITI) will be lower of A or B

PITI: Maximum allowed lower of A or B              =________________________ per month
Homeowners Insurance                               =________________________ per month
Real Estate Taxes                                  =________________________ per month
Private Mortgage Insurance                         =________________________ per month
Maintenance Fee (Condo, Associations)              =________________________ per month
Principal and Interest                             =________________________ per month

Divide by factor for interest rate and multiply by 1000 to determine mortgage amount.
Example: PI = 1000/month (x) 8.05 (x) 1000 = $124,123.60
* Factor for 30 year fixed rate at 9%


FACTOR      MORTGAGE             RATE      TERM     MORTGAGE        DOWN           MAX. HOME
            TYPE                                    AMOUNT          PAYMENT        PRICE
            FIXED 30-YEAR
            FIXED 15-YEAR
            2/1 BUYDOWN
            ARM
            TWO STEP
Open Houses
Open House Enhancement Tips
Your Special Attention Makes the Difference!

   Decorate your home – Faded walks and worn woodwork, linoleum or carpets reduce appeal. Some
    fresh, neutral colored paint, a little liquid cleaner and, if warranted, replacement of floor covering
    works wonders to induce top dollars and a quick sale. Add plans wherever necessary.
   Show off the bright side – Highlight your rooms by opening the shades, draperies and curtains.
    During the evening, turn on lights on the front porch and throughout the house. Also, remove debris
    from all light fixtures (bugs, dust, etc.)
    A few extras – For a pleasant aroma, burn a scented candle or heat some cinnamon and water on the
    oven. Bread baking in the oven is always an attraction. If you have a fireplace, use it in the winter
    when your house is being shown and burn cedar wood if possible.
   Allow your home to gleam – A clean home shows you care. Kitchens and bathrooms are especially
    important. A clean stove, oven and appliances are a must. Repair caulk and grout in the bathtub and
    showers. Show doors, ceramic tile and fixtures should be free of soap film and watermarks.
   From top to bottom – The attic and basement are important features. Remove all unnecessary
    articles that have accumulated. Display the full value of your utility and storage spaces. Be sure to
    clean the exterior of the water heater, furnace and other appliances that will be seen by prospective
    buyers.
   Closet and cabinet presentation – Organized cabinets, clothes properly in place and shoes, hats and
    other articles neatly positioned will make your cabinets and closets appear roomy and adequate.
   Avoid cluttered appearance – Remove excess furniture and other unnecessary items such as toys
    and newspapers.
   Create space – Scale down your personal artwork (portraits, landscapes, posters, signs and family
    photos), thus creating a feeling of spaciousness.
   Pay special attention to the garage – Clean the garage of everything but cars. If your garage has
    become a two-car attic, throw out the excess.
   A day with a handyman – Dripping faucets, missing roof shingles, loose door knobs, sticking
    windows and drawers, creaky floors or doors that do not close properly are noticed by the potential
    buyer and suggest neglect. Avoid unnecessary objections by fixing them now.
   Spruce up all entranceways – Fill potholes in your driveway and tidy up walkways.
   Straighten up outdoors – Straighten gutters, the TV antenna, the fence and other things that sag.
    Also, repair broken windows and shutters. In addition, clean off your outdoor furniture.
   First impressions are lasting impressions – An inviting exterior ensures inspection of the interior.
   Highlight your home’s features –If your home has a particularly attractive feature (fireplace mantel,
    wood flooring, bay window, etc.), make sure it is well lit and easy to view.
   Three’s a crowd – Stay in one part of the house or outside. Too many people present during an
    inspection may make the potential buyer feel like an intruder, making it difficult for the sales
    associate and buyer to be at ease. Allow the sales associate to emphasize the virtues of your home and
    talk freely with buyers about their needs and desires.
   Unnecessary distractions – Keep pets out of the house; buyers may be nervous around a strange
    animal. Turn the TV off and the radio on with soft, mellow background music.
    Silence is golden – Be courteous but do not initiate a conversation with the potential buyer. They are
    there to inspect your house – not to pay a social call. If you are asked questions, respond honestly but
    diplomatically and refer questions to your sales associate. Avoid discussing price, terms, possession
    and personal property with the potential buyer. Your sales associate is trained and experienced to
    bring negotiations to a favorable conclusion.
   Why put the cart before the horse? – Trying to dispose of furniture and furnishings to potential
    buyers before they have purchased the house can cost you a sale.
   Use your representation – If potential buyers without sales representatives ask to see your home,
    explain that it is not ready for showing at the moment. Take their names and telephone numbers and
   inform them that you will put them in touch with your sales representative. Your safety will be
   guarded and your sales associate can qualify their interest.

Open House Safety Tips
 Label Hazards
  Cords, steps, loose flooring, low ceilings, etc. must be marked before a prospective buyer
  enters your home.

 Hide Valuables
  Be sure to keep all jewelry, cash, firearms and valuables safe and out of sight.

 Stay With The Buyer
  Try not to leave a person in your home unattended. Give a tour. If multiple people show up at
  once, politely ask them to remain outside or in the car until the first family goes through.

 Do Not Seclude Your Home
  The lights should be on, blinds open, television or radio off. You want to be able to see and
  hear everything that happens in your home, and be able to be heard or seen in an emergency
  situation. If you live far from other people, make sure that you do not conduct the open house
  by yourself.

 Register Visitors
  Keep track of everyone who has stopped by. (Open House Register included in this kit)
Open House Guest Register

Address: ___________________________ Date: ________________________________
Sales Associate: __________________________________________________________
____________________________________      Is this your first visit? YES NO
Name
____________________________________      Do you:  Own             Rent
Address
                                          When do you need a home?
____________________________________       Now            1-3 Mos.      3-6 Mos.
City              State       Zip
                                          How did you hear of us?
____________________________________       Friend         Driving By Signs
Phone                   Fax                Radio          Newspaper Other
____________________________________      ___________________________________
E-mail                                     Occupation

____________________________________       Is this your first visit? YES   NO
Name
____________________________________       Do you:  Own         Rent
Address
                                           When do you need a home?
____________________________________        Now        1-3 Mos.   3-6 Mos.
City           State       Zip
                                           How did you hear of us?
____________________________________        Friend     Driving By Signs
Phone                Fax                    Radio      Newspaper Other
____________________________________       ___________________________________
E-mail                                      Occupation

____________________________________       Is this your first visit? YES   NO
Name
____________________________________       Do you:  Own         Rent
Address
                                           When do you need a home?
____________________________________        Now        1-3 Mos.   3-6 Mos.
City           State       Zip
                                           How did you hear of us?
____________________________________        Friend     Driving By Signs
Phone                Fax                    Radio      Newspaper Other
____________________________________       ___________________________________
E-mail                                      Occupation
Moving
Moving Checklist
Preparations before Moving Day. . .                   Clean rugs or clothing before moving; have
                                                       them wrapped for moving.
Address Changes (See “Change of Address              Check with your moving counselor;
Checklist)                                             insurance coverage; packing and unpacking
 Post office: Give forwarding address                 labor, arrival day, etc.
 Charge accounts, credit cards                      Plan for special care of infants.
 Subscriptions: Several weeks notice required      During Moving Day. . .
 Friends and relatives.
                                                       Carry enough cash or traveler’s checks to
                                                        cover cost of moving services & expenses
Bank                                                    until you make banking connections in new
 Transfer fund, arrange check cashing in new           city.
   city                                                Carry jewelry and documents yourself; or
 Arrange credit references                             use registered mail.
                                                       Plan for transporting pets; they are poor
Insurance                                               traveling companions if unhappy.
 Notify company of new location for                   Carry traveler’s checks for quick, available
    coverage: Life, health, fire, and auto.             funds.
                                                       Let close friend or relative know route and
Utility Companies                                       schedule you will travel including overnight
 Gas, light, water, telephone, fuel                    stops; use him/her as message headquarters.
 Get refunds on any deposits made                     Double check closets, drawers, and shelves
                                                        to be sure they are empty.
Delivery Service                                       Leave old keys needed by new tenant or
 Laundry, newspaper, milk; change-over of              owner with Realtor or neighbor.
    services
                                                    After Your Move . . .
Medical Services
 Ask Doctor and Dentist for referrals;                Obtain certified check or cashier’s check
  transfer needed prescriptions, eyeglasses, X-         necessary for closing Real Estate
  rays. Obtain birth records.                           transaction.
                                                       Check on service of telephone, gas,
Church, Clubs & Civic Organizations                     electricity, and water.
 Transfer memberships; get letters of                 Check pilot light on stove, hot water heater,
   introduction.                                        incinerator, and furnace.
                                                       Have appliances checked.
Pets                                                   Ask mail person for mail he/she may be
 Ask about regulations for licenses,                   holding for your arrival.
    vaccinations, tags, etc.                           Have new address recorded on driver’s
                                                        license.
Don’t Forget to:                                       Visit city offices and register to vote.
 Empty freezer; plan use of food. Defrost             Register car within 5 days after arrival in
   freezer and clean refrigerator. Place charcoal       state or penalty may have to be paid with
   to displace odors.                                   getting new license plates.
 Have appliances serviced before moving.              Obtain inspection sticker and transfer motor
 Remember arrangements for TV antenna.                 club membership.
   Apply for state driver’s license.
   Register family in your new place of
    worship.
   Register children in school.
   Arrange for medical services: Doctor;
    Dentist; etc.
Moving Tips:
Your Arrival to Your New Home
Here are some suggestions for what you may need immediately upon arriving at your new home.
The box should be labeled “LOAD LAST, UNLOAD FIRST”

Cleaning:
 Soap powder (cleaning agents or aids)          Miscellaneous:
 Kitchen cleanser                                Light bulb or two
 Dish towels                                     Flashlight
 Paper towels                                    Hammer, screwdriver, pliers
 Dish cloth                                      Aluminum foil
 Steel wool pads                                 Shelf paper
 Sponge                                          Trash bags
 Window Cleaner                                  Twine
                                                  Newspaper
Kitchen:
 Paper plates, cups, napkins                    Children:
 Plastic knives, forks, spoons                   Coloring books and crayons
 Plastic pitcher for mixing drinks               A favorite toy or two
 Small saucepan                                  Reading materials
 Serving spoons                                  Puzzles
 Tea kettle
 Sandwich spreads                                  A small surprise gift

Bathroom:                                        Snacks:
 Facial tissues                                  Easy-open cans of pudding
 Toilet tissue                                   Package of crackers
 Bath towel                                      Instant creamer, sugar, salt
 Shower curtain                                  Dry soup mix
 Face cloth                                      Boxes of dry cereals, raisins
 Bath soap                                       Instant coffee, tea, chocolate
 First aid kit                                   Fresh fruit
 Aspirin
Packing Tips
Follow these tips for a smooth transition into your new home.
                                                               on it in the animal’s box so it will feel more at
Household Items                                                home.
 Use strong containers that are in good condition            If you aren’t flying with your pet, but are having it
   and secure tightly with twine or strapping tape.            shipped by air, make sure someone is on the other
   These can be purchased from your moving                     end to pick it up at the airport and take care of it
   company for $1.00 to $7.00 depending on size.               until you arrive. The easiest way is to let a kennel
   Purchase special boxes for dishes, wardrobe, and            do it for you. Many kennels can take the pet several
   other special items.                                        days before you move, box it, take it to the airport,
                                                               and arrange to have a kennel on the other end pick
 Label each box with its contents, which room it
                                                               it up and take care of it until you arrive.
   should go in, whether it is fragile, and loading
   order.                                                     Think twice about taking your dog or cat with you
                                                               on a long cross-country trip. Not only can animals
 Don’t load more than 50 pounds into any one box –
                                                               get carsick, but being cooped up in a car all day
   make sure the weight is evenly distributed.
                                                               can make them nervous and upset. They must be
 Cushion contents with newspaper or other packing
                                                               fed and they have to make rest stops and they have
   material to prevent breakage. Use tissue paper for
                                                               to be on a leash to keep them from running off any
   items that might be soiled by newspaper.
                                                               time the car door is opened. Some motels and
 Pack books tightly on end in small boxes. Alternate          hotels don'’ allow pets. Others have special
   bindings and wrap valuable books separately.                facilities for handling traveler’s pets. Call in
 Have your rugs and draperies cleaned before                  advance and check out the available literature on
   moving and leave them in their wrappings for                hotels along your route.
   easier handling.                                           Hamsters, birds, mice, and such can be transported
 Remove all breakables and liquids from drawers               in the family car fairly easily. Make sure they have
   and pack them separately. Seal medicines and other          enough food and water in their cages and are out of
   containers to prevent leaking and pack in a leak-           drafts or extreme temperatures. Cover cages with a
   proof bag or container.                                     cloth to keep them quiet and restful.
 Pack linen and clothing in drawers, but don’t
   overload them.                                          Plants
 Carry all valuables with you. Don’t pack jewelry,         Call your local U.S. Department of Agriculture to
   documents, coin or stamp collections, or anything           check on regulations if moving from one state to
   that will be difficult to replace. Contents of a safe       another. Many states have restrictions on certain
   deposit box can be moved for you by your bank.              kinds of plants to prevent importing bugs or pests.
                                                            A couple of weeks before you move, prune plants,
Pets                                                           A week before you move, put your plants on a
 It is not practical to move fish in their aquarium. A        black plastic bag with a bug/pest strip,
     gallon of water weighs eight pounds. Plan on              conventional flea collar or bug powder in the bag
     giving the fish away and restock the aquarium             before you put the plant in. Close the bag and place
     when you arrive at your new home.                         in a cool area overnight. This will kill any pests on
 Cats and dogs can be either shipped by air or taken          the plant or in the soil.
     along in the family car. If you are flying to your     The day before you move, place the plants in
     new destination, your cat or dog can ride in the          cardboard containers. Make sure they are held in
     baggage compartment. Your pet will need a health          place by dampened newspaper or packing paper.
     certificate from your vet. Call the airline in            Use paper to cushion the leaves and place a final
     advance to find out about special boxes they may          layer of wet paper on top to keep them moist.
     have. It is a good idea                                   Water the plants normally in summer, a little less
                                                               in winter.
    to get some tranquilizers from your vet to give your    On the day you move, set the boxes aside and mark
    pet right before going to the airport. It’s also a         “DO NOT LOAD” so they won’t be taken on the
    good idea to put a piece of clothing with your scent       moving van.
   On the day you leave, close boxes, punch air holes        If you must leave your plants behind, then take
    in the top and load in your car.                           cuttings. Put them in a plastic bag with wet paper
   When on the road, be careful where you park your           towels around them.
    car. Look for a shaded area in the summer and a
    sunny spot in the winter.
   Unpack the plants as soon as you can after arriving.
    Remove plants through the bottom of the box in
    order to avoid breaking the stems. Do not expose
    the plants to too much sunlight at first. Let them
    get accustomed to more light gradually.
Change of Address Checklist
Here is a handy list of all the people you might need to contact regarding your move. Don’t
forget to tell close friends and relatives your new address.
                                                      Lawyer
Utilities:                                            Broker
 Electric
 Gas                                                Established Business Accounts:
 Water                                               Dry Cleaner
 Telephone                                           Bakery
 Fuel                                                Drug Store
                                                      Diaper Service
Publications:                                         Department Stores
 Newspapers
 Magazines                                           Water Softener Service
 Professional                                        Dairy
 Fraternal                                           Service Stations
                                                      Laundry
Government & Public Offices:                          Banks
 Veterans Administration                             Finance Companies
 Library                                             Automobile Agency
 City Hall – Garbage & Refuse                        Real Estate Agency
 State Motor Vehicle Bureau
 Social Security Administration                     Miscellaneous:
 State/Federal Income Tax Bureau                     Relatives, friends
 Post Office                                         Business Associates
 Draft Board                                         Book & Record Clubs
                                                      Organizations & Clubs
Insurance Agencies:                                   School
 Life                                                Your landlord, if you are a tenant
 Fire                                                Your tenants, if you are a landlord
 Auto                                                Church
 Home                                                ________________________________
 Health                                              ________________________________
 Accident                                            ________________________________
 Hospital                                            ________________________________
                                                      ________________________________
Professional Services:                                ________________________________
 Doctor                                              ________________________________
 Dentist                                             ________________________________
 Certified Public Accountant                         ________________________________
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