the real estate book of north king & snohomish counties, volume 24, issue 5

RealEstateBook.com

COVER HOME: Meticulous log retreat with viewsof the Cascades & Stillaguamish River (425) 422-2691

Request FREE MAGAZINES online, or call 800-841-3401.

THERealEstateBook®Volume 24, Issue 5

NORTH KING AND SNOHOMISH COUNTIES, WA

CONTACT: JENNIFER LEIGH

Text P781968 to 85377

Property details on page 6.

Get more photos and details from your phone.Windermere RE / [email protected]

www.wahome.net

TO ADVERTISE, CONTACT:Sharman Burnam 360-333-9566

[email protected]

Inside This Issue: Home Improvements for Under $100!

14901.24.5 Cover_LiveEditCover 8/14/2015 9:39 PM

Office: (360) [email protected]

731 2nd St, Snohomish, WA 98290Windermere Real Estate / Snohomish, Inc

SNOHOMISH - Hardwood floors, wood trim windows & greatfloorplan! Kitchen w/ tile counters, family rm w/ new carpet.New paint, newer furnace & gas fireplace. Covered patio$324,500 360-568-1537

SNOHOMISH -Charming rambler!Open concept 3BD. Updatedkitchen w/ cherrycabinets & granitecounters. Woodstove, newer win-dows, Hardiplanksiding. Fenced.$255,000360-568-1537

LAKE STEVENS - 3 BD, 2 BA w/ lgkitchen & separatedining. Patio andpartially fencedbackyard. Masterw/ full BA & largewalk in closet.Near schools,shopping, hiways.$264,950360-568-1537

MARYSVILLE - 3 BD, 1.75 BA rambler w/ open living/din-ing/kitchen, vaulted ceilings, gas fireplace. New interior paint,carpet, vinyl in kitchen & laundry. Newer roof. $269,000 360-568-1537

SNOHOMISH - Beautiful stone exterior, gorgeous view &waterfall! High beamed ceilings & stone tiling. Brazilian cher-ry cabinets, Viking appliances, granite slab. Finished bsmt.$739,000 360-568-1537

LAKE STEVENS -2000+ SF, 3 BD,2.75 BA in superlocation. NewCherry Floors.Large Mastersuite, large familyrm. Newer carpet,windows. Nice ter-ritorial views. $385,000360-568-1537

FERNDALE -Custom 3 BD, 2.52462 SF on 4.6acres. Gourmetkitchen. Stunningpark-like grounds.24x48 shop!Darling little island,paddle boat, dock& your own pond.$565,000360-568-1537

EVERETT - 3 BD, 2.5 BA in quiet & friendly neighborhood.Large, fully fenced yard w/ garden shed. Updated kitchen,entertainment size deck. Family room w/ fireplace. A/C. $389,950 360-568-1537

A TOUCH OF COUNTRY HOME, SHOP & GARDEN!

SPARKLING & INVITING

COME HOME TO PARADISE! PRIVATE & TRANQUIL

EXTRAORDINARY PROPERTY! METICULOUSLY MAINTAINED

PASADERA

fÇÉ{ÉÅ|á{WindermereR E A L E S T A T E

Windermere Real Estate / Snohomish, Inc.

14901.24.5 WRESnoh 8/14/2015 9:17 PM Page 1

Jason HarrisBra nch Ma na ge r

4 2 5 -9 3 1 -2 4 3 4NMLS # 2 8 4 8 2 2

jwha rris @ba ye q.com

EVERETT - Nice investment ground floor unit. Tenant is monthto month. Unit well maintained. Laundry in unit. 2 parkingspaces. Newer roof & windows, & plumbing. Pool. Close toBoeing. MLS/ID:540841 Text T11813058 to 85377

EDMONDS - Like new! 4 BD, 2.5BA. Great kitchenw/ granite counters,custom tile, stain-less appls. Slideroff dining room topatio and fullyfenced yard. Atend of quiet street.Easy Boeing com-mute . Mukilteo SD.MLS/ID:771248Text P646033 to85377

SEATTLE - Right on Lake Washington! Cozy first floor unit.Private secure lake-style living. Views from every room, modernkitchen with stone counters, tiled master bath, unique in-unitlaundry, private deck. MLS/ID:777182 Text P279161 to 85377

POULSBO - Superior quality Modern Craftsman with tranquilcourtyard setting. Kitchen w/ GE Energy Star appliances;Rinnai tankless hot water; convection radiant heat. Main floormaster suite. MLS/ID:788758 Text P687870 to 85377

EDMONDS - THIS HOME KEEPS GOING & GOING! 3100 SF& 5+ BD w/ private MIL which includes an extra room forguests. Private office w/ entry, surround sound main level & inrec rm w/ wet bar. MLS/ID:816705 Text P244655 to 85377

MUKILTEO - ON THE 13TH HOLE 4 BD on large lot, circularfloor plan, gorgeous vaulted entry, spindled staircase. High-endfinishes, wainscoting, crown moulding. Living w/ marble fplc &cathedral ceiling. MLS/ID:798983 Text P725702 to 85377

111 Ma in Stre e t, S uite 111Edmonds WA 9 8 0 2 0

VISIT US AT OUR NEW DOWNTOWN EDMONDS LOCATION

425-921-2200www.edmondsrealty.net

Edmonds Realty, for the Entire Puget Sound Area

$555,000

$249,000

$399,000

$639,000

$350,000

$124,000

Dennis HowardOwner

425-921-2200www.edmondsrealty.net

Lucille NoëlOwner

14901.24.5 EdmondsRE 8/14/2015 9:46 PM Page 1

HUDHomes!!

Equal Housing Opportunity

SaveThousands!

Wendy Smith (360) [email protected]

BLUE SPRUCEacross fromriver! 4 BD, 1.5BA on large 3/4acre lot & cul-de-sac. Bigentertainmentsize deck. Nicecommunity w/club house&seasonalpool. Ad #R240

MAIN FLOORMASTER!3 BD, 2.5 BAtownhome stylecondo w/private fencedyard & 2 cargarage. Lowmaintenance!Great locationfor commuters.Ad #R280

LOST LAKE3 BD, 2 BAopen conceptw/ vaulted ceil-ings & largekitchen. MasterBA w/ soakingtub. Large lotw/detached 2car garage.Communitypool. Ad #R274 HUD HOME! Cute 3 BD, 2 BA rambler. Nice size living

room w/ vaulted ceilings & bamboo floors. Fully fenced w/entertainment size deck. Two car garage Ad #R295

MARYSVILLELovely 3 BD,2.5 BA w/ for-mal living &dining, plusfamily rm w/gas fireplace.Covered frontporch & backdeck for enter-taining. NoHOA! Ad #R292 ABSOLUTELY ADORABLE Arlington 3 BD, 1.5 BA, lg living

room w/ fplc, sun rm/dining w/ built in hutch. Wood flrs.Remodeled kit. Covered deck. 2 car garage. Ad #R290

$170,0

00

$122,7

28

$108,0

00

$156,0

00

$259,9

50

$279,0

00

For More Info Text P633826 to 85377





For More Info Text P782751 to 85377LOVELY!3 BD, 2.5 BA,open kitchenw/island, familyroom w/ gasfireplace, newcarpet, vaultedceilings. Mastersuite w/ doubledoors, jettedtub, dual sinks.AD #R273 DAYLIGHT RAMBLER Private 5 ac w/ views. 4900+ SF, 4

BD + office, 3 BA custom. Huge kitchen w/granite, hugebonus area, 2nd kitchen Shop & 3 car garage. Ad #R293

FREE HUD Home list call 360-454-0629or visit www.Hudhomestore.com

$279,9

50


$649,9

50


14901.24.5 WendySmith 8/14/2015 9:16 PM Page 1

NowAccepting New

Properties

Melanie MaddyProperty Manag er

[email protected]

Stacey SalyerDesignated Broker

[email protected]

For more information, Call 425-870-9282.www.HimalayaPropertyManagement.com

“OUR FOCUS IS ON YOUR INVESTMENT”

Our Focus Is Residential Property ManagementWe specialize in managing residential properties in Snohomish and Skagit Counties

Let us help you get the most out of your investment

Windermere Real Estate / JS

BRICK ACCENTED Comfortable interi-or floor plan for living, entertaining withfireplace & big sky lights for brightness.Sheds for ample storage & greenhouse.

Text P680296 to 85377

FREE 4% down payment assistance CLASS

Marysville Windermere. 2015 New Loan Programs.

Call 425-238-2023 for class schedule.

$280,000

VICTORIAN BED & BREAKFAST builtin 1896. Commercial kitchen. On themain hwy in Davenport WA, with greatexposure. Double lot, large garage.

Text P487548 to 85377

DIAMOND POINT Building lot on pri-vate cul de sac. Just a short drive toSequim. Airstrip access & Communitybeach w/ small boat launch.

Text T11925159 to 85377

$199,999

$39,000

$220,000

$275,000

NORTH EVERETT 3 BD, 2 BA rambler.Lg kitchen w/ new counters & oversizeeating area. Newer vinyl windows, roof& hot water heater. Deck & private yard.

Text P743099 to 85377

SPACIOUS RAMBLER Great rm living,w/ gas fireplace, vaulted ceilings, sky-lights, rounded corners, & laminateflooring. Backyard with deck & patio.

Text P727229 to 85377

Karen Eckerson

(425) [email protected]

www.karen.withwre.com

$275,000

DUPLEX Near I-5 & Hwy 9. Well main-tained & remodeled w/ long term leases.Each unit w/ garage, private backpatios. New windows & cozy fireplaces.

Text T11970643 to 85377

SOLD!SOLD!

PENDING

New Price!

14901.24.5 Karen Himalaya_9300.QXT 8/14/2015 8:56 PM Page 1

ON THE COVER

BREATHTAKING AND ONE OF A KIND! Meticulously maintained log retreat andguest home with views of the Cascade Mountains & Stillaguamish River. Everyaspect of this property has been renovated to create an atmosphere of tranquility andawe. No expense was spared to afford you comfortable living in this open, airysanctuary of soulfulness. A must see for folks desiring a unique experience in a homewith plethora of outdoor activities less then 30 minutes from your door! Must see photo gallery! $799,950For more information, Text P781968 to 85377

Jennifer Leigh(425) 422-2691

[email protected]

ONLINE Visit www.TheRealEstateBook.com to search properties.

LOCAL PRINT * DIRECT MAIL

Sharman Burnam(360) [email protected]

Scan the QR Code toshop homes from

your mobile phone!

For Advertising information inTHE REAL ESTATE BOOK

North King & Snohomish Countiesfeaturing....

Arlington = Stanwood = Camano Island = Tulalip Marysville = Lake Stevens = Granite FallsSnohomish = Monroe = Sultan = Everett

Mill Creek = Mukilteo = Lynnwood = BothellWoodinville = Redmond = Kirkland Bellevue = Edmonds = Shoreline

ONLINE * SOCIAL * MOBILE

Poolhouse

ARLINGTON - RETREAT & GUEST HOME

Windermere Real Estate/Arlington

14901.24.5 masthead_Masthead_Full 8/14/2015 9:02 PM Page 1

CHERIE RUCHTYOwner/Broker

[email protected]

Office: 360-659-9751www.KeystoneRentalsRealEstate.com

Specializing in Property Management

1402-C 7th StreetMarysville, WA 98270

EVERETTSpacious open conceptw/ kitchen, dining, liv-ing, gas fireplace,office/den and powderroom bath on mainlevel. Kitchen w/ eatingarea, walk-in pantry,newer appliances andnew composite sink.Upper level w/ openlanding, 4 spacious BD.2 car garage. $389,500

NORTH MARYSVILLE3 BD rambler w/ 1 cargarage. Nearly a totalremodel! New kitchen,new trim package, newcarpet, new paint. Sitson a large lot withfenced yard. Greatinvestment property orfirst home! Close toschools, shopping, busline, I-5 and all conve-niences. $197,750

MARYSVILLESpacious ramblerduplex. Central locationclose to shopping, I-5,Hwy 9. Both sides 2 BD,1.75 BA, lots of built instorage. Appliances inclstove, refer, dishwasherand W/ D. Carports withstorage. Always rented,near 0 vacancy. Greatinvestment or owneroccupied. $325,000

MARYSVILLECentennial Trails cus-tom 4 BD, 2.5 BA, 2215SF on shy 1/2 acre.Master BA w/ soakingtub. Kitchen w/ tilecounter, hardwood.Bonus room wired forsurround sound. ADTsystem, in ground“invisible fence”. 3 cargarage + RV parking.$395,950

Text P782168 to 85377

Text P286717 to 85377 Text P782539 to 85377

Text P286717 to 85377

Built by BYK Construction

2014 Best of Show

Winner

Tour 11 Spectacular Homes inSkagit & Island Counties.

September 11th, 12th & 13th

Friends of the Industry Sponsors:Bronze Sponsors:

Media Sponsor:

A special Thank You to the Sponsors for this year’s tour!

Visit www.SICBAHomeTour.org for a List of all 11 Home Tour addresses.

Tickets will be available ateach home on the tour for $10 per person.

For more information onthe SICBA Home Tour,please call (360) 757-6916or visitwww.SICBAHomeTour.org.

10201.24.5 Cherie_0100 8/14/2015 9:49 PM Page 1

14901.24.5 EagleMort_PamV 8/14/2015 8:42 PM Page 1

Is my home covered for its full rebuilding cost?Review your policy to make sure that you have enough insurance to rebuild your home. If you have made major improvements to your home, such as adding a new room, enclosing a porch or expand-ing a kitchen or bathroom, you risk being underinsured if you don’t adjust your homeowner’s insurance coverage limits.

Do I have enough coverage for expensive items?Have you bought or received any valuable jewelry since you purchased/renewed your policy? When was the last time you had the items you owned appraised? Standard homeowners insurance has dollar limits for the theft of certain types of expensive items like jewelry, furs and silverware. This means that the insurer will only pay the amount specified in the policy – generally $1,000 to $2,000. To insure these items to their full dollar value, consider a special personal property endorsement or floater.

Do I have enough liability insurance to fully protect my assets?Standard homeowner’s liabilities pay for judgments against you and your legal fees up to a limit set in the policy. However, in our litigious society, you may want to have additional protection—that’s what an umbrella liability policy provides. An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowner’s, renter’s, condo, or auto policy. If your assets have recently increased, you’ll have more to lose and may want to consider this extra layer of protection.

Should I rent out my house during the vacation period?Whether you own a second home that you plan to lease to a tenant, or want to rent out your primary residence, the first step is to call your insurance professional. Depending on the rental scenario, your standard homeowner’s policy may not cover losses incurred while your home is rented out. In that case, you should consider a more specialized insurance policy.

When was the last time you reviewed your home’s insurance coverage? As your life changes, so do your insurance needs, says the Insurance Information Institute (I.I.I.). Now is the perfect time to get your insurance policy in order by taking the time to ask yourself the following:

Source: iii.org

TopWays to Improve

Your Home for $100 or Less!

You may think that improving your home will deflate your wallet, but this is not always the case. To help you out, we have created a list of our favorite home improvement projects that can be done for under $100. After all, who DOESN’T want to save money?

1. Turn a Closet into a Home Office.This project will help you save money and will even add an extra room to your home. Just unhinge the door then remove the closet’s hanging rods and replace them with shelves. A deep shelf should be used for the desktop and place 2 shallow shelves above for storage.

What you need: One 20-by-24-by-¾-inch and two 12-by-24-by-¾-inch white melamine shelves, metal standards, and shelf brackets, all by Elfa, about $95; The Container Store.

2. Doorway DisplayCreate a unique look by installing a shelf above the doorway and paint it to match the trim. Add a touch of flair by displaying pottery or other types of décor.

What you need: 40-inch-long 1x6 red oak shelf and two 7-inch Classic Oak Brackets, about $32; Rockler.

3. Boost your WindowsDid you know you could make your windows look even bigger than they actually are? Use hanging drapes at ceiling height to upsize small windows.

What you need: Pair of 108-inch Brimfield 4-in-1 Panel Drapes in Carafe, about $70; JCPenney.

4. Add Stained Glass Windows to your BathIt’s no surprise that stained glass makes any bathroom look elegant. If you can’t find a window to fit perfectly, you can easily hang one from chains in front of the existing window.

What you need: eBay store Bell Antique Mall has Art Deco windows similar to shown, starting at $69; Ebay.

5. Wall-Mount Bedside TableYou can easily install a wall-mount end table in your bed-room by using wood corbels with a slate roof shingle on top.

What you need: Two 6-inch oak Legacy hand-carved corbels, about $80; Van Dykes Restorers. 7-by-13-inch salvaged shingle, about $5; Recycling The Past - Architectural Salvage

6. Add Detail to your BedroomPump up the color and detail in your bedroom (or any other room) by installing a chair rail. Then, paint the wall below a soothing color. This project is an easy and inexpensive way to improve your home.

What you need: Enough red oak Colonial-style moldings to wrap the walls of an 8-by-10-foot room, about $75; Baird Brothers.

Kids StartingCollege? Consider Expanding Your Investment

1. Place to Stay During Visits. If your son or daughter is occupying the property, take advantage of your investment (and check on its condition). When you’re in town for your favorite college’s football game, there’s no need to pay for a hotel room when you have a place of your own!

2. Save Money. Paying room and board for your son or daughter can be overpriced on-cam-pus and almost always has a super tiny living space. Investing in property off-campus can be much cheaper and more spacious. If they have roommates, you’ll also have rent money coming in every month.

3. Lots of Renters. A huge benefit to owning a property in a college town is the large population of renters who are ready to write a check. There are also fewer room vacancies when school is in session, so there is a larger demand among college students to find a place to live off-campus.

4. Possible Tax Savings and Investment Potential. Everyone’s financial situation is different, but you may be able to score some tax savings and potential investment earnings from the transaction. Contact a local real estate professional to discuss your own situation and the possible monetary benefits.

5. Area Sells Itself. The majority of properties in college towns are surrounded by entertainment, events and easily accessible public transportation. When you are ready to sell, chances are, your property will be in demand.

6. A Home After College. Is your son or daughter thinking about staying around the same area once they graduate college? Many do. If so, you may want to think about selling the property to them when they graduate so they’ll have a place to live for a few years while they’re working at their first job. They will be building equity while everyone else from college is still paying rent.

As your son or daughter enters this new exciting phase in his or her life, there are many ways that you, as a parent, can ensure they have the best possible college living experience. With all that you invest into your child’s college education including already-expensive tuition, why not expand your investment?

Is your son or daughter heading off to college? Before forking over money to pay for room and board along with already-expensive tuition, you may want to consider buying a house or condo for your kid to live in while attending college. As a parent, you’ll be making the most of your investment while providing them a nice, safe place to live off-campus.

Here are some advantages of being a property owner in a college area.

14901.24.5 Spane 8/14/2015 9:21 PM Page 1

Robin Hammond MS, GRI, ASP (425) 343-2584 [email protected]

Windermere Real Estate / JS

NORTH EVERETT 4 BDRM HOME ON 3 LOTS!Rucker Ave solid brick home with gas fireplace & heat, updat-ed electric panel. Detached garage, lots of hardwoods.Former Monte Cristo Award Winner. $439,950 Text P781445 to 85377

EVERETT

Lorraine ObarSnohomes Realty Inc.

From Snohomish to the top of the Cascades!From Snohomish to the top of the Cascades!


LOG HOME Very privatelocation within minutes ofStevens ski pass. Soaringceilings & 2 story rock fire-place. Impressive kitchenw/ hickory & granite.Covered front deck, openback deck & deck off themaster BD. Award winning!Text P209728 to 85377

WONDERFUL SPOT!Let your stress float awayand just relax! Beautifulcabin w/ pine interior &fireplace in master BD.Shy half acre. Incl rareSkykomish river Water

rights to Skykomish River.Text P646523 to 85377

MOST POPULAR restau-rant in Gold Bar: Rico’sPizza located on 1 acre.Includes business, liquorlicense, building, land withmountain views, rentalhome & extra lot (short platapproved) w/ 4 BD septicdesign. Stop in & try!Text P688882 to 85377

WATERFRONT ACREAGE

BUSINESS & LAND

NEARLY HALF ACRE

PEACE & QUIET A-frame + cabin nestled in the woods,near Steven’s Pass. Loft area. Text T737670 to 85377

VALLEYS WEST REALTYhas been at the same primeConcrete, WA SR 20 location forover 35 years.4 New Building•4Very busy office•4HIGH VSIBILITY•4LOTS of Walk-ins•4Repeat Business•

This is a great opportunity to ownyour future in a wonderful rurallocation in eastern Skagit County.

My retirement is your opportunity! $27,000 (Terms)Inquiries call Greg (360) 708-9707

For more photos & info TEXT T206417 to 85377

REAL ESTATE BUSINESSFOR SALE

SnoCo Investments LLC

Real Estate solutions for Real people.

Own a house you don't want?Need to move soon?

We buy houses & property.

CALL NOW (360) [email protected]

Mary DesseinManager

www.SnoCoInvestments.com

14901.24.5 Qtrs_9300.QXT 8/14/2015 9:08 PM Page 1

Keller Williams NW RE, LLCHUD HOMESHUD HOMES

Do You Knowthe Current Market Value of your home?

If you are interested in selling, Please call for aComplimentary Value Update of your home.

425-239-1184

Text any “P Code” to 85377 for Instant Viewing on your Phone

DIAMOND IN THE ROUGHSpacious kitchen w/ largeisland and Slab granite.Plenty of cabinet & counterspace. Living rm w/ fire-place. Basement w/ woodstove. Master bedroom w/private full bath. FHA 561-897538. Sold As Is.

MARYSVILLE - Text P332798 to 85377GATED BRYANT ESTATESPhenomenal home w/ lots ofspace! Master suite w/ 5piece BA. Three fireplaces!Fabulous kitchen w/ granitecounters, butler’s pantry &walk in pantry. Backs naturepreserve. Incl self startinggenerator. Sold As Is.

ARLINGTON - Text P232153 to 85377

*What is a HUD Home?*Where can you find HUD homes for sale?*How much do you qualify for and what will your monthly payments be?*How to make an offer on a HUD home, and More.For More Information or to Register

Call 425-239-1184

WASHINGTON HUD HOMEBUYING SEMINARTIPS & SECRETS

Great for 1st Time Home Buyers or Investors. Limited Seating. 6120 Grove, Marysville LibrarySeptember 9, 2015 6-8 PM

CKRealEstateTeam.com

HAT ISLANDTranquil & private, withamazing picturesque viewsthrough wall of windows &594 SF deck overlookingPossession Sound. 9-holegolf course, tennis court,picnic area, yacht club, mari-na, and much more.

EVERETT - Text P702966 to 85377

Terrific Values - Save ThousandsTerrific Values - Save Thousands

How to buy aHUD-owned

home

DEAL OF THE MONTH

CKRealEstateTeam.com

14901.24.5 FooteCK 8/14/2015 8:51 PM Page 1

Brenda HaugDesignated Broker/Owner

866-768-7910425-290-2125 (cell)Land • Residential • HUD • Foreclosures

Making your dreams affordable28 years of experience

[email protected]

Lilyan [email protected]

Trust •Service •

Experience •

SOUND & MT VIEWLarge lot! 3 BD, 1.75 BA.2413 SF w/ new granitecounter tops in Kitchen &baths, Stainless steel appli-ances. Great rm w/ f ire-place & dining rm, surroundsound. Gardens, fruit trees& Green house. RV Parking + 3 car gar! Close to beach!

For more information, Text P206846 to 85377

CHARMING 2 story w/full basement on.92 acre lot. 3 BD, 2.5 BA open floorplan w/master on main. Kitchen w/ eat-ing nook. Fantastic Views. 3 car garage.

$319,500

Text P780528 to 85377

LAKE STEVENS Crosswater 2081 SF,4 BD, 2.5 BA,2 car garage & ful lyfenced. Big kitchen, hardwood floors.Fannie Mae HomePath Property.

MARYSVILLE 3 BD, 2.5 BA 2066 SF.Big open kitchen w/ granite, customcabinets, pendant lighting. Huge Bonusroom upstairs. Easy commute.

EAGLE HEIGHTS 4 BD, 2.5 BA w/ for-mal living & dining, family rm w/gas fplcoff huge kitchen w/eating bar & nook.Fannie Mae HomePath Property.

$326,500

$325,000

$339,900

Text P768930 to 85377 Text P777847 to 85377Text P244940 to 85377

FANTASTIC 2 STORY Marysville 3 BD,2.5 BA, 2418 SF on fully fenced lot.HUGE kitchen w/Island. Near schools,golf. Fannie Mae HomePath Property.

MARKET STREET CONDO Granitecounter tops & tile floors in kitchen w/newer stainless steel oven range &dishwasher. Assigned parking.

$324,900

$315,000

Text P736213 to 85377 Text P769378 to 85377

$275,000

BIRCH CREEK ADULT COMMUNITY

Well designed floor plan,and plenty of upgrades.Main floor master, dining,living, laundry & office.Upper bonus room, plusanother bedroom & fullbath. RV parking. A/C.Great neighborhood!Text P236576 to 85377

$559,900

14901.24.5 Haug Folk_0100 8/14/2015 8:51 PM Page 1

DOUG WILLIAMSABR, ABRM, CRS, EPRO, [email protected]

425-418-9542

MOUNTAIN &VALLEY VIEWSUpdated kitchen w/granite counters.Two entertainingsized decks.Basement w/office, bedroom,exercise room &poss ADU. Blocksto Lord Hill Park w/1400+ ac of walk-ing, biking, horsetrails. Country liv-ing at its best!

NORTHWEST REALTORS

SNOHOMISH 1.32 ACRES

P

GOLD BAREasy to build, levellot w/ mountainviews & riveraccess. Big Bendis one of the nicestmountain communi-ties around! Pavedstreets, privatebeaches & sportscourt. Hiking, ski-ing, biking, swim-ming & naturewatching right out-side your door!$69,950 Text T1585238 to 85377

3 BD SEPTIC INSTALLED

GATED COMMUNITY INGRANITE FALLSof 5+ acre estates.Just the finishingtouches needed! 3BD, 2.5 BA customopen floor planhome is 80% com-plete. Huge 2 storygarage w/ 900+ SFstorage or finishinto office, mediaroom, bonus room,theater, etc. $435,000 Text P598105 to 85377

7+ ACRES IN PILCHUCK EAST

$450,000 Text P198183 to 85377

TIMBER LANE VILLAGE

$115,000 Text P272453 to 85377

MOUNTAINCABINWonderful A-Frame cabin withall the amenities.Riverfront commu-nity minutes fromStevens PassSummit! Skiing,mountain biking,hiking to lakes,streams and water-falls & 2 beaches.Great base forhunting & fishing.

Captivating Craftsman with Exquisite Details with 5 acres on Camano Island

Text My Name: AndreaSemanko To 85377to see more homes on your Mobile Phone

$695,000 MLS # 826690

Rateau Dr, Camano IslandTEXT P103950 TO 85377

~ Custom 3 Bdrm/2.5 Baths w/3398 SF ~ All Natural Hardwoods Throughout ~ Covered Porches & Water Features ~Master Suite on Main w/Cozy Fireplace, 5 Piece Ensuite Bath & Radiant Heat Floor ~ Oversized Doors & View

Windows ~ Custom Kitchen w/Natural Wood Cabinets & Pull-Out Shelves ~ Granite Counters ~ HugeFamily/TV/Bonus Room ~ Built-In Vacuum ~ Heat Pump ~ Wired w/Automatic Generator ~ Electronic Air Cleaner ~

Security System ~ 3 Car Garage ~ RV Parking ~ Convenient North End Location ~

Joel SemankoBroker/Owner

(888) 378-1522

Andrea SemankoBroker/Owner

(888) 224-8442

14901.24.5 Semanko Camano_0100 8/14/2015 9:13 PM Page 1

360-659-1253866-576-4336www.MacPhersonsRealty.com

MacPherson’s RealtyR.H.B.

Contact Us!

[email protected] a Fan! @ facebook.com/MacPhersonsRealty

4 BEDROOM HOME ON 1 ACRE LOT Super Bowl sizedbonus room, granite counters, cathedral ceilings, hard-wood floors! $469,950 MLS/ID:807948

STUNNING HOME ON 1 ACRE Like new condition w/many extras. 1540 SF fully insulated 4 bay shop with RVparking. $409,000 MLS/ID:825986

Call us for a FREE list of HUD and Bank-owned homes!

5 ACRES! Circular drive and covered porch lead to anamazing home. 7 car garage,RV parking, central vac,sprinkler and security systems. $539,950 MLS/ID:801596

PRISTINE RAMBLER Huge corner lot. 3 car garage w/ 12 ftdoors on RV section great floor plan. Close to schools,YMCA, bus service, library, golf. $309,950 MLS/ID:827476

PICTURE PERFECT VIEWS! 5 bedroom Whiskey Ridgehome, spacious layout, 2 fireplaces, with too manyupgrades to list! $380,000 MLS/ID:807919

DREAM ESTATE! Attention Equestrians & Car Buffs! 4 BDw/ mountain view, chef’s kitchen & great room. Huge shopand 5 stall barn. $849,995 MLS/ID:668454

Text P237586 to 85377 Text P272894 to 85377

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PRICE REDUCED

14901.24.5 MacPherson 8/14/2015 8:57 PM Page 1

2014 AWARD OF EXCELLENCE

10201.24.5 COPAC 8/14/2015 8:37 PM Page 1

SILVER LAKE3 BD, 2.5 BA, Over 1452 SF, Fireplace,2-Car Garage, Walk to Lake & Park

Ad#801810

.95 ACRES3 BD, 1 BA, 1442 SF, Large Rambler,Some Updates, 4-Car Garage/Shop

Ad#767949

SOPER HILL5 BD, 2.5 BA, 2629 SF, Gourmet IslandKitchen, Beautiful Hardwood Floors

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(877) 736-8036 [email protected]

To see more info, text the T Code to 85377

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Text P721598 to 85377 Text P680364 to 85377 Text P749971 to 85377

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EVERETT

EVERETTEVERETT

SNOHOMISH

LAKE STEVENSEVERETT LYNNWOOD

14901.24.5 MikeKillmer_1202 8/14/2015 9:03 PM Page 1

14901.24.5 C21 8/14/2015 9:20 PM Page 1

Amazing Water Views from all Rooms,Mukilteo Schools, Close to I-5, Boeing, Parks & Shopping!

Text My Name: AndreaSemanko To 85377to see more homes on your Mobile Phone

$549,500 MLS # 760747

Mukilteo Blvd, EverettTEXT P102722 TO 85377

~ Custom Home built by Cottage Werks ~ Maple Cabinets & Floors ~ Low Voltage Radiant Heat Slate Floors ~~ Rinnai Insta-Hot Water on Demand ~ 3 Bedroom +Media Rm/2.25 BTH w/2380 SF ~ Oversized View Windows ~

~ Custom Kitchen w/Natural Wood Cabinets ~ Granite Counters ~ Beautiful Water Views ~ NW Contemporary Modernw/Open Concept ~ Professional Landscape & Custom Pavers ~ Master Suite w/Dressing Room & Ensuite Bath ~ Extra

Large Garage w/Etched Glass Door ~ Mukilteo School District ~ Close to I-5 & Boeing ~

Joel SemankoBroker/Owner

(888) 378-1522

Andrea SemankoBroker/Owner

(888) 224-8442

Now is the time to BUILD! Lots from $84,500 to $140,000

ctÅ _xtÅxÜ(360) 631-7518 leamerpam@ gmail.com

Large lots in the scenic Nookachamp Hills community areready for your new home! This quiet, rural location is onlyminutes from I-5, shopping, theatres and restaurants. Anabundance of amenities including water sports, walking trailsand golf are within minutes. Electrical, gas, cable, sewer andwater available at each lot. Call today!

Text P538283 to 85377

ctÅ _xtÅxÜ(360) 631-7518 leamerpam@ gmail.com

Whatcom County, Inc.

14901.24.5 PamLeamer 8/14/2015 9:04 PM Page 1

JON RUDOLPHManaging BrokerOver 27 years Real Estate experience425-348-8522 www.JonRudolph.com

LARGE HOME Possible MIL suite.12,632 SF lot in quietnbhd! Entertainer’sdeck w/ TerritorialViews! Includes 2nddownstairs kitchen

For more photos & information, Text P715203 to 85377

GREAT FIXERTons of potential!Could home OR office.Commercially zoned8040 SF lot. Bring yourpaint brush, broom &imagination!For more photos & information, Text P321166 to 85377

$329,9

50

$145,000

I H av e B u y e r s L o o k i n g Fo r :1 . S n o h om i s h o r M o n ro e R am b l e r w / 1 2 0 0+ S F & a t l e a s t 1 / 2 a c r e2 . C o n t r a c t o r l o o k i n g f o r f i x e r h om e . S n o h om i s h C o . C a s h B u y e r.

C a l l A g e n t D i r e c t a t : 4 2 5 - 3 4 8 - 8 5 2 2 .

HOMESWANTED

Janice Seth Call me today for a FREE Market Analysis of your home or property!


Janice Seth

5 Great Locations to Serve you From:BELLEVUE MARYSVILLE BOTHELL EVERETT NORTHGATE

VALLEY VIEW Great neighborhood &Great home to remodel!Open up kitchen, put inan island. Gas is in thestreet. Currently nowater meter, flat rate.Underground utilities.Neighborhood parkclose by. Check it outtoday. Bring yourremodel ideas!EVERETT $279,950

POSSESSION BAYBeautifully appointed 3BD, 2 BA open conceptrambler w/ vaulted ceil-ings & skylights.Traditional kitchen w/eating nook. HugeMaster w/ 5 piece ensuite bath & walk-in clos-et. Manicured landscapew/ drip irrigation system.Unfinished basement.MUKILTEO $459,000

INCREDIBLE Land developmentopportunity in primeLynnwood location. Justshy of an acre , possibili-ties include LDMR for 12multi-family units or MRwith 24 units. 3 houseson property currentlyrented. Power, water &sewer on property. Gasavailable. LYNNWOOD $1,290,00

VIEW LOT Water Share Included!Build your DaylightRambler in desirableThunder Ridge Estates!Sweeping views of PortSusan, Mt Baker & theCascade Mountains!Water share fee alreadypaid for by owner at avalue of $33,000. Justbring your plans! CAMANO ISL $59,5000

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14901.24.5 Janice 8/14/2015 8:55 PM Page 1

425-328-67981802 Pacific Ave.Everett WA 98201

NMLS ID 114563Sr. Loan Originator

[email protected]

www.JenieJones.com

Jenie Jones

Purchase & RefinanceFHA, VA, USDA, and

Conventional Loan ProgramsFirst-time homebuyers

LeaderOne Financial Corporation 11020 King Street, Suite 390; Overland Park, KS 66210, NMLS ID #12007. You may view our license information on the Nationwide Mortgage LicensingSystem (NMLS) at www.nmlsconsumeraccess.org. LeaderOne Financial Corporation is licensed with the Washington Department of Financial Institutions, License No. CL-12007, BranchLicense No. CL-266464.

14901.24.5 LeaderOne_Full Page - Basic 8/14/2015 8:56 PM Page 1

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Signs You’re Ready to List Your Home

ShouldI sell?

Yes

No

After years of housing recovery, we are con-tinuing to experience a shortage of inventory among homes for sale in today’s real estate market. Fortunately for you, it’s a total seller’s market right now. According to the National Association of REALTORS®, there was a recent 6.1 percent increase of existing-home sales. This is the highest annual rate since September of 2013. Here are 5 signs it’s time to sell your home.

You’re running out of living space. If you’re getting frustrated because you are feeling overcrowded in your home, or if you don’t have enough space for guests to sleep, then you may be ready to sell. Maybe your kids are outgrowing their rooms (literally) or you’re thinking about adding to your family. These are all signs that it’s about that time.

You’re not emotionally attached to your home anymore. As you start going through the selling process, things will be a lot more difficult for you and your REALTOR® if you still have some sort of emotional attachment to your home. Being this attached decreases the likelihood that you’ll even want to listen to the real estate agent’s advice. In order to sell, you need to be able to view your house as a product.

You can afford it. This is one of most significant factors when it comes to selling your home and moving somewhere else. Are you financially ready to make the leap? Review all costs and expenses related to selling, including moving costs, as well as the down payment and closing costs on your new home.

Your equity is a force to be reckoned with. Ever since the housing market crashed, homeowners now have a tendency to be skeptical about putting their home on the market to sell. Thankfully, real estate has come back in full force. Increasing numbers of homeowners are getting their positive equity back and negative equity rates are at their lowest since 2012. Now is the perfect time to see where your equity stands. Do some research and have your home reappraised.

You are ready to make your decision. Making the decision to sell your home can be difficult, but you don’t have to do it alone. By partnering with a trustworthy real estate professional, you’ll get expert advice that will make the selling process a breeze. By considering all factors and working closely with a pro, you’ll be able to decide what is best for you and your family.

So, the choice is yours. Are you ready to list your home?

Do you ever find yourself going back and forth about whether or not to sell your home? ¬As you contemplate your decision, there are many factors to consider, including the current state of the real estate market as well as your lifestyle, and financial situation.

Home Office Design with Productivity in Mind

It’s a common piece of advice from effective home-based workers that you should start each day as if you were going to work in an office outside your home. (Translation: take a shower and don’t work in your pajamas.) The philosophy behind this tidbit is easy to understand.

The same axiom can apply to your home office. Is it tucked in a dark corner of the spare bedroom? Is your desk beside a bed covered in old toys? Is your filing cabinet stuffed in the closet under clothes? If your home office doesn’t feel professional and uplifting, how productive, and happy can you be spending eight or more hours a day there?

Decorating your home office isn’t an art, but following some basic principles of office design, can help create an organized, effective and productivity-enhancing space.

“You are stuck in your office – albeit at home – all day, working and slaving away, staring at the same wall, and some bland office furniture you got at a garage sale,” writes Herman Chan in Home Business Magazine. “Spending all those hours in the same spot, it would behoove you to splurge on one luxury piece.” Chan suggests an inspiring piece of furniture, but you can also create a luxe effect – with only a modest “splurge” – by decorating with lighting elements such as a skylight.

Add a solar-powered fresh air skylight and an energy-efficient solar-powered blind to your home office and the products, as well as the installation, can be eligible for a 30 percent federal tax credit as a green home improvement.

If your home office happens to be located in a renovated attic space, roof windows, which are very much like skylights but are in-reach, can offer natural light, and fresh air plus access to the roof for debris removal, maintenance or for emergency access.

Luxuriate in light.

Home Office Design with Productivity in Mind

Working from home offers many advantages, including the opportunity to decorate your home office the way you want. By following some basic steps and incorporating your own personality, you can create a home office where you’ll be productive and happy throughout the workday.

Even if your home office will be in the guest room that you just painted last year, it may be a good idea to repaint. Not only does a fresh coat of paint make a room feel energized and new, repainting gives you the opportunity to put a color on the wall that’s office-appropriate.

In an interview by Chris Bailey of the blog “A Life of Productivity,” color psychologist and author Angela Wright suggests that your home office color scheme needs to match the type of work you do because different colors create different effects. For example, Wright says, blue might be stimulating if you do a lot of mental work in your home office. Additionally, yellow could encour-age creativity, and green might be soothing if your work is particularly stressful, and balance is important.

If your idea of home office storage includes the cardboard boxes you used to transport files from the last job you had outside your home, it’s time to revisit your organizational plan. A cluttered, disorganized home office can cause you to misplace important documents and can make you feel overwhelmed.

As more people have begun working from home, office furniture manufacturers have branched out from the sterile-looking metal storage units ubiquitous in workplaces across the country. Today, it’s easy to find attractive storage options that fit with virtually any home office decor.

If you just can’t find a file cabinet that speaks to your soul, why not try some alternative storage options? Move that beautiful sideboard you inherited from grandma – that just never fit anywhere else in your house – into your home office and use it for filing. Not in love with any of the desk options available at your local office store? Hit an antique shop and find an antique desk or even a dining table that you adore. Remember to keep furnishings and storage solutions size-appropriate for the room so your home office doesn’t feel crowded.

Choose a wall color that facilitates focus.

Organize with attractive storage.

Function over Fuss: Empty Nesters Want Low- Maintenance Yards

Create no mow zonesThe lawn is often a yard’s highest mainte-nance feature. One simple way to reduce lawn maintenance is to strategically stop mowing certain parts of the yard, while continuing to maintain more desirable areas.

Delineate the divide between mowed lawn and wilder spaces with a strategically placed stone wall or wooden fence. Adding clusters of ornamental grasses or shrubs along the new lawn’s edge also works to soften the border transition.

For a bit of fun, sow some un-mown areas with wildflower seeds. Add green trails for impromptu strolls or walks by cutting a circular path through the no-mow zone. Post birdhouses or feeders along the route for bird watching.

Swap some turf for landscape bedsFreestanding landscape islands of trees, shrubs, bulbs, and perennials are appealing low-maintenance features that can reduce lawn area. Landscape beds are also a solution for difficult to maintain stretches like steep slopes, rough terrain, and curbside strips.

Switch to lawn care “lite”With less lawn, why hang on to oversized lawn care equipment? Today, there are new compact choices scaled to yards under 1/4 acre including cordless electric mulching mowers, battery-powered edgers, and programmable directional lawn sprinklers.

Deck the yard for fun and follyConverting open spaces to outdoor entertaining areas is another way to reduce yard maintenance. Paved patios and decks make perfect places to sit, barbecue, dine, or simply enjoy being outdoors. New composite decking, bricks and paving stones are definitely low upkeep installations. Other ideas include fire pits, outdoor fireplaces, gravel paths, and terraces.

Uncontained enthusiasm for containersDownsizing elaborate garden beds is another area to explore. A booming trend among boomers, container plantings add accent color and seasonal drama to decks, patios, paths, and other outdoor spaces. For lower maintenance, choose fewer but bigger pots. Just a few large containers of colorful plants will have a major impact. They also retain soil moisture better than smaller pots and need watering less often.

One of the first questions new empty nesters face is: what do we do with the nest? Some are eager to downsize and sell, while others choose to stay put.

No matter the decision, the property is likely due for a makeover aimed at making routine upkeep more manageable. One of the key areas to tackle is the yard and garden.

Here are tips for transforming a yard’s maintenance-hungry features into alternatives that offer fun and functionality without the fuss.

Life in an empty nest can be a time of rediscovery. Reducing lawn and garden upkeep is one way boomers can free up time for other more entertaining pursuits!

14901.24.5 Heritage 8/14/2015 8:48 PM Page 1

14901.24.5 ReddenPeterson 8/14/2015 9:09 PM Page 1

Windermere Real Estate/JS • 801 State Ave. • Marysville, WA 98270 • Office: (360) 653-2509

[email protected]

(877) 254-3003

NATALEE KNOWS HOW TO SELL HOMES, CALL HER TODAY TO LIST YOURSNATALEE KNOWS HOW TO SELL HOMES, CALL HER TODAY TO LIST YOURS

Windermere Real Estate/JS

NTNatalee Thurston

BRIGHT & CHEERFUL Desirable White Oaks Community, perfectlyappointed between Lake Stevens & Historical Snohomish. Great openfloor plan. Great sized laundry room & large family room. Additional272 SF roughed -in space: Make it whatever you want it to be!

For more photos, Text P326096 to 85377

LOCATION~LOCATION~LOCATION St.Mortiz at Mill Creek located next to the MillCreek Country Club. Quiet & secure 2 bedrooms + office/den/guest room, 2 full baths,master bedroom with walk-in closet, vanity area and full bath. Large windows & balconyoverlook a lush NW greenbelt of trees. Kitchen is the perfect size for this easylifestyle...Come and Enjoy!


NOT YOUR TRADITIONAL SPLIT ENTRY! Large open foyer opens up to the living room &dining room. Kitchen w/ wonderful atrium/family room & dining w/ buffet table/eating bar.Filled with natural light! 4 bedrooms (3 bedroom septic) with tons of storage! New interiorpaint, exterior paint, new furnace, carpeting in most rooms & updated master bath.


SOLDSOLD

PENDING

PENDING

SNOHOMISH BONNEY LAKE SNOHOMISH

MOUNT VERNON

SOLDSOLD SOLDSOLD

14901.24.5 Thurston 8/14/2015 9:15 PM Page 1

Amy TrimMortgage Banker

NMLS #183983


www.eaglehomemortgage.com/amytrim

14901.24.5 EagleMort_AmyTrim 8/14/2015 9:18 PM Page 1

Auto * Boat * RV * Motorcycle Home * Rental * Business

Flood * Umbrellas

Victor Kloch (clock)Direct: (425) 212-3533

Fax: (866) [email protected]

Visit my website www.JenniferMcGuire.com and SEARCH allproperties for sale, or read my satisfied Client testimonials.

Jennifer McGuire HenshawMLS, CRS Member, ABR, ASP, CDPE, SCCAR.

RE/MAX Hall of Fame

Cell: (206) [email protected]

Choose Experience, Knowledge and a Broker you Trust!

Nor thwest

ONE OF THE BEST!Amazing opportunityto own one of thebest townhouses inthe Crossings. Thishome features anopen great rm floorplan with gorgeoushardwood flooring inkitchen & dining rm.Chef's kitchen w/large island, ti lecounter tops & richcabinets. Family roomhas cozy gas FP &overlooks the Trex deck patio & backyard. Upstairs offers master suite, anotherbedroom & extra open loft area. Large 2 car attached garage. Hard to find backyard perfect for outdoor BBQ's or year round fun. Great access to I-5, Shops,stores, Mill Creek Town center. Free 1-yr HM warranty.

Text P143662 to 85377

$264,9

50

I am dedicated to providing the finest service available, while keeping up to date on the currentmarket trends. I have great knowledge of the greater Seattle area and have sold predominatelyin King and Snohomish county. With the real estate industry becoming more sophisticated andchallenging every day, you need a professional broker who understands the industry and themarket, and who will take the time to stay ahead of the game.

$379,9

50

EXCELLENT NORTHGATE LOCATION & GREAT COMMUNITY3 bedroom, 1.75 bath w/ large kitchen w/ eat-in area, formal dining room, living room.Downstairs offers family room, bonus room, laundry area & access to large fully fencedyard. Spacious lot is perfect for outdoor BBQs or gardening. Additional features include 2fireplaces, new roof in 2014, efficient gas forced air, hardwood floors, all appliance stay.Tons of storage!

For more photos & information, Text P753728 to 85377

SOLDSOLD

14901.24.5 JenniferMH 8/14/2015 8:55 PM Page 1

14901.24.5 LG_TwinBrooks 8/14/2015 9:23 PM Page 1

www.williamsbrokers.com

WILLIAMS REAL ESTATE BROKERSCall for more information(877) 265-9697

BEAUTIFUL RAMBLER ON 5 ACRESEverything you’re looking for! 3 BD, 2 BA rambler on 5 private,wooded acres. You’ll love the bright open layout with hardwoodfloors, large open kitchen and warm gas fireplace. Fenced backyard for the pets and large deck for entertaining. After windingthrough the woods behind the home you’ll find a picturesquecreek. Hurry on this one! R805

Text P740140 to 85377

You will fall in Love!You will fall in Love!

14901.24.5 WilliamsRE_0100 8/14/2015 9:16 PM Page 1

Dan KellerMortgage AdvisorMLO # 115349Direct: (425) 350-7136As seen on FOX Businesswww.TheDanKellerGroup.com

Michelle TorsetListing Specialist360-333-3959888-643-4112

www.TheTorsetTeam.com

HOME W/ GUEST SUITE & HUGE SHOP ON 4.3 ACRES3000 SF Shop of your Dreams! 5 roll-up doors with office.Outstanding workspace! 1100 SF MIL suite plus separateartesian well. Main home w/ 3 bd, 2.5 ba, new furnace, 50 yrroof, new deck. Lovely acreage w/ gardens, pond & stream!Too much to list- MUST SEE! $715,000

For more photos, Text T100942 to 85377

WESTERN REALTY

The perfect time to LIST your home FOR SALE! BUYERS are looking so don't miss your best OPPORTUNITY.

The Torset Team

Certified ResidentialSpecialist

2014 AWARD OF EXCELLENCE WINNER

A team of services providing quality careBuyer Specialist•Listing Specialist•Full time help line 425-789-6270•Full service REALTOR office•

Let me help you WIN against multiple offers...Get approved for our 14-Day Close Program!

“Michelle Torset scoredin the top 7% for clientsatisfaction out ofapproximately 25,000+realtors that arelicensed in the greaterSeattle area.”

-Seattle Magazine

SNOHOMISH

LOOKING TO BUY A HOME? You want an agent that has the time & expertise in finding

properties that fit your budget and your wish list.aSearch tools at www.TheTorsetTeam.com

Easily search for: aBANK OWNED LISTINGS; aFREE Access to the NWMLS with updated information 24/7; aAvailable to tour homes on your schedule!

Rick VannoyBuyer’s Specialist425-344-2971

LaDon TorsetBuyer’s Specialist206-786-8021

Ben ColeBuyer’s Specialist360-540-4834

Washington - NMLS#6606. © New American Funding.New American and New American Funding are registeredtrademarks of Broker Solutions, DBA New AmericanFunding. All Rights Reserved. 05/2015 800.450.2010

HILL TOP ESTATEShy 5 acres on private & secluded Dutch Hill.Cozy European touches. Gourmet kitchen. Mainfloor Master suite. Detached shop w/ guest suiteabove. Breathtaking views! $839,000

Text P105877 to 85377

SNOHOMISH

14901.24.5 Torset Snohomish 8/14/2015 9:15 PM Page 1

the real estate book of north king & snohomish counties, volume 24, issue 5

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