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<br /> Q °0 V UU Minnesota is extending a HLPing hand to first-time home
<br /> buyers, and homeowners interested in home improvements.
<br /> The Minnesota Housing Finance Agency is currently offering
<br /> qualified residents two new Home Loan Programs,or HLP's;
<br /> one for home improvement loans and the other for fire
<br /> home loans at reduced rates.
<br /> PARK RESTRICTIONS Home Improvement Loans
<br /> The home improvement loan program provides qualified
<br /> The Roseville Park and Recreation Department encourages Minnesotans with funds at annual interest rates ranging from 3
<br /> you to use the City parks as often as you can.There are a few percent to 14;j percent, depending on income. The maximum
<br /> restrictions, however, concerning how and when you may use amount of a loan is $15,000. The maximum term is fifteen
<br /> the parks. years. The loans can be used for most types of home
<br /> No'alcoholic beverages of any kind are permitted in any of the improvements except recreational or entertainment facilities.
<br /> parks,except in restricted areasof.Central Park where 3.2 beer First-Time Home Loan Program
<br /> is permitted. A keg permit is required for those intending to The Home Loan Program provides qualified first-time home
<br /> bring keg beer into Central Park. Neither glass beverage buyers with more affordable financing. The MHFA
<br /> containers, nor glass containersof any sort are permitted in any administers this program through private lending institutions.
<br /> of the parks. The home buyer applies for a traditional 15% percent, thirty
<br /> No motorized vehicles are permitted in the parks,except in year mortgage through a participating lender. Then, the
<br /> designated parking areas. This restriction includes a MHFA will reduce and forgive the rate down to 12 percent
<br /> motorcycles, mini-bikes, and three wheel all-terrain vehicles. i until March 1, 1993, making the initial payments more
<br /> These vehicles do a great deal of damage to grass and natural affordable.
<br /> vegetation. Finally, in the interest of protecting the wildlife in After five years,the monthly payment amount increases as if
<br /> the parks, no trapping of any kind is permitted. the interest rate were midway between .12 percent and 15
<br /> The parks in Roseville close at 10:00 p.m.Residents wishing"" percent. -But the entire additional payment is applied to
<br /> to use,a park beyond 10:00 p.m.can apply for aspecial permit at "principal-and not interest-until March 1, 1993.This enables
<br /> the Park and Recreation Department office. the homeowner to pay off the mortgage in twenty-two years,
<br /> instead of thirty,substantially reducing the amount of interest
<br /> CATCH BASIN DUMPING paid over the length of the mortgage.The MHFA loans are not
<br /> assumable. I
<br /> Catch basins are intended for one purpose only, to catch- The MHFA funds may be used to purchase new or existing
<br /> water runoff. They are not a depository for automobile oil, ; single family residences including townhouses,condominiums
<br /> antifreeze, and assorted other nasty chemical concoctions. Be,;: and existing'duplexes.
<br /> careful what you dump down a catch basin. The City's storm!!; For more information, contact the Minnesota Housing
<br /> sewer system, after some natural filtration, ultimately drains,;' Finance Agency at(612) 296-MINN.
<br /> into area lakes and ponds. Alcohol Quiz (continued from page 1)
<br /> If you are considering dumping something which may be 11. Once you discontinue drinking, your blood 00hol
<br /> capable of polluting local waters,down a catch basin,find some content will drop about the equivalent of one standard drink
<br /> other way of disposing of it. The City garage(at the corner of (a twelve-ounce beer,or 1-1/2 ounces of 86 proof alcohol)per
<br /> Woodhill Avenue and Civic Center Drive) has a dump spout hour, or .02.
<br /> where you can discard waste oil. Many local gas stations will 12. A drink, such as a martini or a manhattan, which
<br /> also recycle your old oil_ contains 3-1/2 ounces of alcohol, will increase the blood
<br /> (continued on page 4) alcohol content by twice as much as a twelve-ounce beer.
<br /> If you choose to drink,here area few guidelines you should
<br /> follow:
<br /> Questions & Answers *Eat first,drink slowly, and know what you are drinking
<br /> (how strong it is).
<br /> *Set a limit and stick to it. (Use the blood alcohol chart
<br /> Q. How can I avoid being "taken" by a fly-by-night below to help you determine your safe limit.)
<br /> contractor? *Reduce alcohol to a safe level by not drinking for a period
<br /> A. First, you should call the Roseville Code Enforcement of time before driving.
<br /> Hopefully, this article has somewhat enlightened you
<br /> Department and.determine if a permit is required for your regarding the use of alcohol. The next newsletter will
<br /> construction job. You should also check with the Department to complete the drinking and driving series with an article
<br /> make sure that your contractor has obtained all of the required explaining the new D.W.I. law.
<br /> permits. Building permits are primarily for the protection of Answers: 1. True 2. False 3. True 4. True 5. True 6. False 7.
<br /> Roseville residents, ensuring that all construction techniques True 8. True 9. False 10. True 11. True 12.True
<br /> and materials comply with established codes.
<br /> Second, the City encourages good workmanship by requiring
<br /> contractors doing work in Roseville to be licensed by the City.If
<br /> a contractor does inadequate work, his license can be
<br /> suspended or revoked. The City also discourages fly-by-night 1 .04 .03 .03 .02 .02 .02 .02 .02 A FEW
<br /> operations by checking the references of a contractor before 2 .08 .06 .05 .05 .04 .04 .03 .03
<br /> issuing a license, and by requiring contractors to be insured. 3 x::111_.09 .08 .07 .06 .06 .05 .05
<br /> It's your best interest to make sure either you or your 4 .09 .08 .08 .07 .06 MORE
<br /> contractor contact the Code Enforcement Department to 5 x:19 } 16 13 .:12 ill T 09 .09 .08 LIKELY
<br /> ensure all required inspections are made.The Department does 6 ''23 ��":193� 16'i:14 '.13 rll ;10; .09
<br /> attempt, however, to follow through on every permit issued,to ? 26`'22,'19 :16Y�15 13 `.12 ;11 i'` _. ;'
<br /> make sure all of the scheduled inspections do take place. 8 �.$0_ °25`:21 c� 19 .17 ' .15'.:.14 `.13 '7 yE
<br /> The best way o guard against fly-by-night contractors is to t EY
<br /> y 9 .34u�'28' 24 �21�..19�'.17 .15..14 LIKELY
<br /> have the Code Enforcement Department involved in your 10 t'38, , 1 E;d27;:23,' 21;x.19 .17 .16 '
<br /> project; by making sure required permits are obtained,and by �� � ~, , -',. . -
<br /> contacting the City for inspections.The telephone number for Chart indicates estimated blood alcohol concentrations.
<br /> Code Enforcement is 484-3371 ext. 230.
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