text:
Chapter 12: Ecology
What do you get when you take energy, nutrients and other resources, biomes and their populations, and all the species and their relationships?
You get ecology. Understanding ecology is in part understanding the biology of our planet. And it can easily be argued that this is especially important today. We literally hold the future of our planet in our hands. The lessons in this concept discuss ecology, and all the related aspects that comprise the ecosystem.
- 12.1.
Introduction to Ecology
- 12.2.
Levels of Ecological Organization
- 12.3.
Features of Populations
- 12.4.
Population Growth Patterns
- 12.5.
Limiting Factors to Population Growth
- 12.6.
Human Population
- 12.7.
- 12.8.
- 12.9.
- 12.10.
- 12.11.
Habitat and Niche
- 12.12.
What are Biomes?
- 12.13.
Terrestrial Biomes
- 12.14.
Aquatic Biomes
- 12.15.
The Biosphere
- 12.16.
- 12.17.
Consumers and Decomposers
- 12.18.
Food Webs
- 12.19.
Energy Pyramids
- 12.20.
The Water Cycle
- 12.21.
The Carbon Cycle
- 12.22.
The Nitrogen Cycle
- 12.23.
- 12.24.
Outdoor Air Pollution
- 12.25.
Indoor Air Pollution
- 12.26.
Health Hazards of Air Pollution
- 12.27.
Sources of Water Pollution
- 12.28.
Effects of Water Pollution
- 12.29.
Preserving Water Sources
- 12.30.
Renewable Resources and Alternative Energy Sources
- 12.31.
Nonrenewable Resources
- 12.32.
Reduce, Reuse, and Recycle
- 12.33.
Habitat Destruction
- 12.34.
Human Causes of Extinction
- 12.35.
Importance of Biodiversity
Chapter Summary
Ecology is the study of ecosystems. An ecosystem consists of all the living and nonliving components of the habitat. Whereas nutrients and certain elements are recycled through ecosystems, energy moves in just one direction. Many interactions among species within an ecosystem are centered around the flow of energy. The formation of ecosystems, from new land to current habitats, is usually based on the pioneer species, and these species are able to live in an area due to the nonliving factors, such as the climate, the soil and the amount of rainfall, of that area. The populations within an ecosystem also determine the stability of the system. Recent tremendous increases in the human population have raised many important ecological issues.


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This is my second gigapan of my office, taken from the opposite corner from where gigapan.org/gigapans/79134/ was taken. Again, there are many treasures to find here. 1) What safety equipment can you find? 2) I am a Fellow of what organization? 2) How many maps of Greece can you find? How many pictures of anc...
My mug Collection_Panorama1

subset: commoncrawl


text:
Birthing Kit Packing Day
5 December 2012
Each year an estimated 500,000 new mothers die in developing countries due to complications during childbirth. Infection is a major contributor to these frightening mortality rates. Birthing Kits contain the essentials for creating a hygienic birthing environment for new mothers, reducing the risk of infection and potentially saving many thousands of lives.
On Wednesday 5 December, Sydney Nursing School staff, students and alumni will be holding a Birthing Kit Packing Day.
We are calling for volunteers to help us pack 5000 kits which will be sent to help new mothers in Africa.
Watch the video from last year's event
Time: 8.45am - 1.00pm
Location: The Great Hall
Contact: Nell King
Phone: 9351 0640
Email: 002c1a0f19394206487901013527142f185d0a46562b20
More info: http://sydney.edu.au/nursing/about_us/our_alumni.shtml


text:
It was a cold sunday so I decided to play a little bit with Koobface's captcha breaking infrastructure.
I asked myself: Is it be possible to poisoning Koobface's captcha breaking infrastructure by spoofing captcha results? As I documented in my post Koobface – the social network trojan, the captcha breaking process used by trojan Koobface works as follow:
- A bot would like to create a spoofed account (on Blogspot, Facebook, Myspace or whatever)
- The register page is protected with a captcha – so the bot grabs and send it to the C&C Server (uuu20091124.info)
- Another infected computer asks the C&C server for work to do at the same time
- The C&C server sends the captcha to the infected client where the user of the computer solves the captcha
- The infected computer sends the result of the captcha back to the C&C
- The bot that originally sent the captcha now asks the C&C server if there is already a resolution for the captcha
- If so, the C&C server returns the result of the captcha back to the bot
- The bot can successfully register the spoofed account.
It's pretty simple, so I decided to write a small script which simulates Koobface's captcha breaking module (v2captcha.exe) .
After writing some lines of code, I ran my script. The script just asks the C&C server for new captchas to break, generates spoofed captcha results and sends them back to the C&C server:
[16] 190.xxx.xxx.xxx:80 -> badboys -> 21303101 -> Success (146)
[10] 200.xxx.xxx.xxx:3128 -> badboys -> 21302809 -> Success (147)
[12] 191.xxx.xxx.xxx:8090 -> badboys -> 21303105 -> Success (148)
[18] 58.xxx.xxx.xxx:80 -> badboys -> 21302778 -> Success (149)
[22] 71.xxx.xxx.xxx:3128 -> badboys -> 21302802 -> Success (150)
[5] 64.xxx.xxx.xxx:8080 -> badboys -> 21302801 -> Success (151)
[19] 212.xxx.xxx.xxx:81 -> badboys -> 21303079 -> Success (152)
[1] 84.xxx.xxx.xxx:80 -> badboys -> 2130312 -> Success (153)
[8] 93.xxx.xxx.xxx:8080 -> badboys -> 21303115 -> Success (154)
[4] 77.xxx.xxx.xxx:3128 -> badboys -> 21302775 -> Success (155)
Some words about the output of the script: the value [xx] is the thread ID of the procees, followed by proxy:port, followed by a string ("badboys") that's returned as faked solution for the captcha, the TaskID (previously received from the C&C server), the response of the C&C server and finally the number of spoofed captchas so far:
To make sure that the spoofed captchas are really accepted by the Koobface Command&Control server (C&C), I just infected a computer with Koobface's Blogspot (v2newblogger.exe) module which is beeing used to create faked blogspot accounts. Afterwards I started my script again.
First of all the infected computer tries to register a new blogspot account. As excepted, the trojan grabs the captcha and sends it to the C&C server uuu20091124.info by using HTTP POST and calling the action save (a=save).
Host: uuu20091124.info
Content-Type: binary/octet-stream
Connection: close
Content-Length: 2762
The C&C server responds with a HTTP 200 OK and returns a TaskID:
Date: Sun, 17 Jan 2010 16:12:19 GMT
Server: Apache/1.3.41 (Unix)
Cache-Control: no-cache
Connection: close
Content-Type: text/html
As you can see, the C&C server told the bot to use the TaskID 21300807 for further requests concerning this job.
In parallel, our script diligently asks for new tasks and "solves" them by sending a faked string back to the server. After a few seconds that looks like this:
[22] 78.xxx.xxx.xxx:3128 -> badboys -> 21300812 -> Success (1331)
[4] 200.xxx.xxx.xxx:81 -> badboys -> 21300807 -> Success (1332)
[3] 41.xxx.xxx.xxx:8080 -> badboys -> 21300776 -> Success (1333)
[14] 94.xxx.xxx.xxx:3128 -> Unsuccessful
[4] 174.xxx.xxx.xxx:80 -> badboys -> 21300802 -> Success (1334)
Did you see it? Our script received the captcha with the TaskID 21300807 and has sent back the word "badboys" as resolution. That's the captcha from our bot! Now let's go back to the bot and check what answer it gets from the C&C server for the captcha submitted a few seconds before:
Host: uuu20091124.info
Connection: close
The bot asks the server if the captcha is already solved by calling the action "query" (a=query) and using the TaskID 21300807. The C&C server respond:
Server: Apache/1.3.41 (Unix)
Cache-Control: no-cache
Connection: close
Content-Type: text/html
Strike! The bot recived badboy as resolution of the captcha – the captcha spoofing works!
Let's run our script for some more minutes:
Okey, that's really nice. Within around 45 minutes more than 4'400 captchas could be spoofed!
You may ask yourself why the spoofing is so simple. There are several reasons:
- Koobface is not doing any authentification of the bot
- The C&C traffic is not encrypted/obfuscated in any way (plain text)
- The C&C servers does only send the captcha to one bot for solving instead of sending the same captcha to different bots and comparing the results
- There is no limit for sending results to the C&C server
- The server doesn't even check if a returned task id was indeed assigned – you can just post any TaskID and the C&C server will accept it
Koobface's captcha breaking infrastrucutre is weak. Any IP address is allowed to send and receive tasks from Koobface's C&C servers. There is no authentification of the bot. So with a few simple lines of code you are able to disturbe Koobface's captcha breaking infrastructure massively so that captcha breaking process is no longer useful.
A positiv effect of the captcha result spoofing is that it prevents the bot from successfully creating faked accounts on blogspot, Facebook, Myspace etc. As a result of this and due to the fact that Koobface needs such faked accounts on social network to spread itself, the koobface infection vectore is broken.
As mentioned in my earlier post, it seems that the Koobface gang is offering a Captcha Decoder Servis. By disturbing the captcha breaking process the Koobface gang will lose money with every captcha which could not be successfully solved.
Happy captcha spoofing! 😛


text:
From Trevor Hughes' series Bike Messengers 1992-98.
See the full set on Flickr here.
From Trevor Hughes' series Bike Messengers 1992-98.
See the full set on Flickr here.
Very cool event at a very cool shop on Roncesvalles:
From the Mariclaro web site:
Mariclaro Canada invites cyclists, aspiring designers and all interested individuals to a three-part design workshop to design the perfect courier bag out of recycled and reclaimed materials. Participants will work in groups, teamed up with experienced Mariclaro staff members who will help them to turn their concepts into a final product. And to reward their hard work, each design session will be followed by an after-party featuring local beers and snacks. The parties will be held right at the store and are open to the general public.
The first workshop session will take place on July the 10th at 2pm at our store. Those who register will be grouped into three teams. Each team of six will work together to create a detailed sketch of their design based on their suggestions and ideas. Over the course of the session, teams will consider the way they want their bag to perform, discuss the kinds of features you'd like to see included and take a look at the different materials we have available. At the end of the session, all the resulting work will be displayed and the store will be open to everyone for an afterparty. No registration is necessary to attend this, and anyone is welcome to come in, view the designs and make suggestions for improvement. Food and drinks will be provided, so come out for a great evening!
REGISTRATION: Those who are interested in the group workshop should pre-register before Friday July 9th >>. There is no fee for the event – in fact, participants will be rewarded with a gift certificate towards a Mariclaro bag at the end of the event.
The party starts after 4pm and is open to everyone – no registration necessary.
Go here for more information. Help design a courier bag and celebrate with an afterparty!
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|Pacific Northwest Sea Run Forum No such thing as rainbow trout, only landlocked steelhead
|Topic Review (Newest First)
RE:Hey Roballen (or anyone)...
Its very true the Mothers day caddis hatch is the thickest hatch of the year but the weather in late April/early may can leave something to be desired and the hatch occurs better on the lower river with not as many caddis in the upper river in Ennis.
If you have a week to spend there you'd likely see some great fishing if you were going for just a day or two it would be a gamble as far as the weather goes.
Another time of year that is great for caddis flies is late July and the first week of August. The caddis arent as think as the early season but there are enough to be annoying and in the evenings breathing and eating often happen at once *L*
|October Caddis
RE:Hey Roballen (or anyone)...
Mothers Day is right on. Seen Caddis so thick in the back eddies that you could see only the movement of fish feeding under the pile of bugs on the water. Any time from May on thru Mid August you will get a good photo of bugs, bugs and more bugs.
Have fun,
Hey Roballen (or anyone)...
This may sound strange, but does anyone know when I could reliably count on finding enough bugs in Ennis to photograph a big swarm around a porch light? Caddis would probably show up best, but anything in large numbers would be fine. Isn't there a "Mother's Day Hatch" or something like that? Any help would be appreciated.
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Turkey's reputation was tarnished when receiving an IMF representative with eggs and insults in a speech at a university in the country.
Mark Lewis is the economic representative of the IMF for Turkey, and went to Uludag University to give a lecture to some students of economics course.
But suddenly the speaker representing the monetary authority was interrupted by an unexpected event.
As he spoke, Lewis was forced to deviate from an egg thrown by a student, which was followed by even a second one. After the eggs came the slogan which was heard: "IMF out!».
Mark Lewis reflexes prevented him from being hit by the egg attack, but will not be enough to turn over an episode that is not unprecedented in the country. As the Daily Telegraph noted in 2009, a Turkish citizen had thrown a shoe to Dominique Strauss-Kahn, then Chairman of the IMF, during his visit to the country.
See the video of the moment the IMF representative had to dodge the eggs thrown by the students.


text:
By Tiernan Ray
In response to skepticism from some on the Street about BlackBerry's (BBRY) announcement Monday its largest investor, Fairfax Financial Holdings, plans to take it private, Reuters's Alistair Sharp this afternoon reports that Fairfax is confident it can come up with the money.
Writes Sharp, Fairfax's chief, Prem Watsa, remarked,
We wouldn't put our name to such a high-profile deal if we didn't feel confident that at the end of the day that our due diligence would be fine and we'd be able to finance it.
Regarding the ups and downs of the share price, Watsa remarked that prices will "fluctuate" up and down, but "we never pay too much attention to the marketplace."
BlackBerry shares today closed down 53 cents, over 6%, at $8, a dollar below the take-out price of $9, but were up three cents in late trading.


text:
By Teresa Rivas
With earnings season beginning tonight, Barclays Capital analyst David Gagliano revised first quarter estimates for a half dozen companies in his coverage universe, mostly to reflect commodities pricing.
In a note out today he wrote that while he remains "concerned" about the long-term picture for U.S. thermal coal, he thinks that the stocks "appear ripe for a near-term rebound during the first quarter reporting season."
He thinks stocks could move up given some early signs of stabilization in both met and thermal coal prices and that companies will likely highlight capacity cuts during their reports. "While it remains to be seen whether the announced cuts will be enough to re-balance the US coal market, in our view typically when there are large production cuts announced, the stocks react favorably. To be clear, we do not expect earnings 'beats'. Instead, we believe additional downward estimate revisions are likely due to the production cuts that we believe are inevitable. However, in our view, the equities are more sensitive to directional shifts in underlying supply/demand drivers, rather than directional shifts in earnings expectations, at this stage in the investment cycle."
Gagliano has Overweight ratings on AK Steel Holdings (AKS), Alpha Natural Resources (ANR), Century Aluminum (CENX), Consol Energy (CNX), Freeport-McMoRan (FXC), Peabody Energy (BTU) and Stillwater Mining (SWC). He has an Underweight rating on Cloud Peak Energy (CLD).


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Have you seen this type of thing? Unrealistic Buyers?
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What do you "embrace"? We embrace Pulmonary Fibrosis!
National Mortgage News; HARP Extension Opens Door for 2 Million More Refinancings
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Here we "grow again"! Embrace Home Loans hired 8 new Teammates in May!
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Here we "grow again" Embrace Home Loans hired 14 new teammates in June!
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Here we "grow again"! Embrace Home Loans has hired 16 new teammates in...
Here we "grow again"! Embrace Home Loans has hired 16 new teammates in July!
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Can private capital for mortgages work
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Investors says; High Apartment Rents See
Bloomberg: "Obama Answers Bernanke Hous
CNN Money says; "Fed to keep rates low
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Great advice here; "Homeowners refinanc
Stephen Thaggard of Embrace Home Loans; "...was able to overcome every hurdle we encountered..."
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...generous donation of coats made to the Dr. Martin Luther King, Jr. Community Center
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Who are you rooting for in the NFL Playoffs?
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Christina Campbell of Embrace Home Loans was very courteous and helpful throughout the whole process.
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FHA cuts prices on refinance mortgages!
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The Home Affordable Refinance Program al
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What do you "embrace" We "Embrace" The Treatment and Learning Centers
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National Mortgage News; "Hispanic Buyer
Homeowners could save $1,000 a year in a
HARP-2.0 makes Home Loan Mortgage Refina
Did you take full advantage of the mortg
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April (34)
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Tim Higgins of Embrace Home Loans' "...Your company was easy to work with"
Great news for those considering #short
Embrace Home Loans is expanding again wi
Embrace Home Loans is expanding again with 15 new employees in April!
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CNBC says; "Mortgage Applications Jump
Joshua Huss of Embrace Home Loans; "...made everything go so smoothly"
Mr. Kevin Richardi of Embrace Home Loans; "...he always called us back."
James Eulie of Embrace Home Loans "...was very easy, with little effort on my part"
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Tim Long of Embrace Home Loans is the best loan officer we have ever dealt with.
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Embrace Home Loans Mary Beth Henderson
Wall Street Journal says; "As Home Rent
Forbes; "What Every Prospective Homeown
"Underwater" homeowners may find refin
May (31)
SmartMoney magazine graphic, as they say
CNN Money says; "U.S. 10-year yield sin
Do you use Pinterest? Checkout this link
Justin Bolton of Embrace Home Loans; "...was very knowledgeable, informative, reliable, responsive and friendly"
CNBC says; Mortgage Applications Up on R
CNN Money says; "Home prices lowest sin
From everyone at Embrace Home Loans to a
What will you be doing this Memorial Day
CNN Money says; "30-year mortgage rate
What do you "embrace"? We embrace Chris Hivenbough and Angie Marsico!
Embrace Home Loans adds 10 new employees!
Mike Easterly from Embrace Home Loans in Salem, VA; "...refinanced and closed in a little over a week."
Top 20 metros with biggest jumps in hous
MarketWatch says; "More Than 95 Percent
Larry Russolino of Embrace Home Loans was always ready and willing to answer it...
Renters - Apartment dwellers; Don't ren
Providence Business News announcement Em
Embrace Home Loans on being named a Best Place to Work in Rhode Island.
Congratulations to all Embrace Home Loan
NY Times asks; "When to Refinance Again
Happy Cinco de Mayo and Derby Day to fri
USDA has a new "streamline" refi program
USDA has a new "streamline" refi program — better than HARP for USDA Refi's.
CNN Money says; "Buying a home won't g
CNN Money Says; "Mortgage rates hit rec
Joe Silva of Embrace Home Loans was professional, prompt and understanding...
FHA Sees 32% Surge in Mortgage Applicati
Trevor Powers of Embrace Home Loans was amazing. He was kind, informed, confident and caring.
Embrace Home Loans has 2 kinds of custom
Milestone! Embrace Home Loans has alread
HARP 2.0: Expanded ReFi Plan Spurs Buzz,
June (41)
The Street asks; "How Can I Refinance M
What do you "embrace"? We EMBRACE 'Habit
What do you "embrace"? We EMBRACE 'Habitat for Humanity of Northern Virginia"!
Embrace Home Loans hires 20 new employees in June!
John Burns of Embrace Home Loans ; "....for his outstanding treatment to us as potential customers."
Jen Lynch of Embrace Home Loans went above and beyond anything I could have imagined
PBN June 2012 Article says; "At Embrace Home Loans, wear jeans, do good"
PBN June 2012 At Embrace Home Loans, wear jeans, do good
Jinky Diaz of Embrace Home Loans; "...for the exceptional work you did on my home loan."
Fox News says; "Refinance When Loan's
Buying a House Now with Record-Breaking
"40 under Forty" Congratulations to Derek Lombard, Embrace Home Loans
USA Today says; "Rate on 30-year mortga
FHA rehab loans ideal for distressed hom
#16 On Forbes Magazine list of The Happi
NY Times discusses "Refinancing Your F.
FHA refinance activity soars with RECORD
What do you think is the worst job to ha
Bloomberg reports; "Americans Sees Bigg
Embrace Home Loans is genuine as advertised!
Melissa Bjorklund of Embrace Home Loans did a fantastic job!
What do you "embrace"? We "Embrace" the Animal Rescue League of Southern Rhode Island!
Excellent article explains several reaso
Jeff Gaccione of Embrace Home Loans; "I feel he's a friend who I could trust."
Fox News offers; "6 steps to a lower re
Home Buying Strategies For Bank Owned Pr
Fox News asks; "With Record-Low Rates,
What do you "embrace"? We "embrace" the Norman Bird Sanctuary
Effective June 11, the FHA is reducing t
Do you live in one of the top 8 housing
BREAKING NEWS from CNN: Mortgage rates s
How to Check If Your LinkedIn Password W
Do you think that home ownership is stil
CNN Money - 8 Examples! How much house d
Mortgage Daily says; "Record Rates Incr
Fox News explains; "The mortgage loan f
Tom Trott of Embrace Home Loans; "...made the home loan process a breeze."
Christian Science Monitor says; "15-yea
Just when you thought interest rates cou
up to 125% Loan to Value "refinances"
CNN Breaking News! Mortgage rates keep p
July (15)
Refinancing, Home Equity and Help for Upside Down Mortgages
Fortune Magazine; "Wall Street's hotte
Fortune Magazine; "Wall Street's hotte
'Almost too good to be true' program l
MarketWatch says; "Record low 15-year m
From everyone at Embrace Home Loans; sen
Fox News Video; "Time to refinance your
Erin McSweeney of Embrace Home Loans; "...making the refinance a pleasurable experience."
USA Today Money says; "Thirty-year mort
Forbes Magazine offers: "Four reasons t
CNN Money says; "Mortgage rates smash o
CNN Money article says; "Refi to a shor
Embrace Home Loans - wishing all of our
Where do you think is the best place to
John Castore of Embrace Home Loans; "...was able to secure the best loan that was available to me."
August (30)
Buying a Home in Today's Market, Short Sales and Foreclosures
SmartMoney says; Refinancing, Repeatedly
LA Times says; "Refinancing mortgage fo
CNN Money advice; "Take advantage of lo
Here we "grow again"! Embrace Home Loans
Here we "grow again"! Embrace Home Loans welcomes 7 new Teammates in August.
What do you "embrace"? We "embrace" St.
What do you "embrace"? We "embrace" St. Anne's Infant and Maternity Home
Allison and Jessica Greene
It's official! INC 500/5000 list of fas
Embrace Home Loans is Featured on Today
If you know anyone who works at Keller W
NPR asks; "Are you a serial refinancer?
NY Times discusses, "Refinancing a Vaca
HousingWire says; "Refinancing surge fo
What do you "embrace"? We Embrace "Mehdi Pirzadeh Pediatric Ward" Adwa Comprehensive Health Clinic in Africa
Kurt Noyce and Medhi Pirzadeh
Mehdi Pirzadeh
2012 - Inc 500/5000 list of the Fastest-growing Private Companies; Embrace Home Loans
Examiner says; FHA Refinance Application
FreddieMac says; "81 Percent of Refinan
NASDAQ article; "Refinancing your Mortg
CNBC says; "Trump: Housing a Steal, Ban
Check out this VIDEO! Embrace Home Loans
Embrace Home Loans is Featured on Today in America TV with Terry Bradshaw
ABC New says; "Buying Home Beats Rentin
CNN Money says; "Buying beats renting i
Who wouldn't like this? Bob Vila himsel
Check this out! Summer Home Improvement Sweepstakes!
Here we "grow" again! Embrace Home Loans welcomes 22 new employees!
September (15)
USA Today says; "Your Money: People are
Time to refinance your mortgage?
Fox News says; "Refinance as Part of Re
KnowYourOptions.com Expands Housing Information and Foreclosure Prevention Resources
U.S. #mortgage #refinancing applications
Here we "grow again"! 28 New Employees @ Embrace Home Loans!
Even recent borrowers can save money by
From everyone at Embrace Home Loans, a day of remembrance, we will never forget!
Embrace Home Loans Renews Expansion Plan
HARP 2.0 Not Just for Underwater Borrowers!
Refinancing: How Much Can You Really Save?
Here we "grow again" with 6 new employee
Here we "grow again" with 6 new employees at Embrace Home Loans!
HousingWire says; "FHA streamline refinances increase 42% in July"
Consolidating Debt
October (17)
"Trick or Treat" with an Adjustable Ra
FHA Again Dominates in the First-Time Bu
St. Louis Dispatch asks; "Is it time to
CNN Money says; "The 25 best medium-siz
#Great Place to Work - 7 Times now! #18
CNN Money says; "Mortgage rates remain
USA Today says; "Rate on 30-year fixed
FICO reveals behaviors behind sterling c
NYTimes says; "V.A. Loans Surge 50% thi
Getting a good mortgage rate may depend on Facebook friends!
Rising Home Prices Help Push Consumer Sentiment to Five Year High
How to Rebuild Your Credit
MarketWatch says; "Tax breaks for refinancing your mortgage"
CONGRATS FACEBOOK!!! ONE BILLION members
CNN Money says; "Economists: Housing recovery finally here"
"Best of the Best" Awarded to Embrace Home Loans for Excellence
Daily Wealth says; "Mortgage Rates at 2
November (28)
HARP Refis Account for Nearly 25 Percent
Get a Lower Interest Rate with a Better
Tell us what it would mean to you if you
Tell us what it would mean to you if you
Get a Lower Interest Rate with a Better Credit Score
CNN Money says; "Mortgage rates fall to
Quick Tip: Top 5 social media faux pas f
WonderVoice Is Like Siri For Facebook ht
http://ht.ly/fenvY Sign Up Today! Real E
N-Play Rolls Out Turnkey Solution For Re
The Columbus Dispatch says; "To refinan
Want to SEE "ALL" the status updates i
Please join us at Embrace Home Loans in
Special "thanks" to all Embrace Home Loans Veterans today!
CNN Money explains; "How can you refina
Average Refinance Dropped Rates by 1.7%
Opportunity of a lifetime! 83 Percent Of
Year Up with Embrace Home Loans
YearUp Embrace Home Loans
You "embraced" us and our situation with such care and compassion.
Facebook "tip" if you have a Business
You remembered to set your clocks back,
Fox Business says; "Don't miss the boa
Business Week says; "Average US rate on
National Association of Realtors has gre
Here we "grow again" at Embrace Home Loans - 27 NEW Employees!
Embrace Home Loans Employees
Mortgage Quotes – Make Sure You are Comparing Apples to Apples
December (15)
MERRY CHRISTMAS http://ow.ly/i/1hzFS
Looking for an unusual gift this year? H
VA Home Loan Centers: Service Members Not Taking Advantage of Benefits?
NAHB: People Getting Ready to Reenter Ho
USA Today; "Mortgage rates fall near re
Investors Daily says; "Mortgage Refinan
Here we "grow again" at Embrace Home Loans! 10 New teammates!
Looking for an amazing resource? Check o
MarketWatch says; "Refinancing near ret
Looking for a "competitive advantage"
What do you "embrace"? We "embrace" families in need this Thanksgiving!
Team 8 with their donated basket
Embrace with volunteers at St Joseph's Church Newport
Survey Finds Consumers Would Shop At Wal
FHA says flip away -- within limits; Tem
January (34)
A Fresh Approach
Chris Horley of Embrace Home Loans was very patient
Washington Post: Know the rules about de
CNN MONEY; 8 reasons to invest in your h
Glen Macnie at Embrace Home Loan; "...recommend the company to anyone needing the same kind of help...
Nicholas Serino with Embrace Home Loans made the transaction go very smoothly
Mr. Nicholas Christ of Embrace Home Loans met my expectations
Check out this amazing "rent VS. buy"
Keith Costello of Embrace Home Loans was very understanding about our financial situation...
Housing Wire: FHA suspends anti-flipping
CNN Money says "Existing home sales jum
Mrs. Wakenda Flynt of Embrace Home Loans has worked assiduously
Survey: What would you like to see on ou
Bloomberg: Mortgage Applications Rose in
At the NAHB International Builders' Sho
George Tantimonico of Embrace Home Loans was very courteous...
Gina Lalli of Embrace Home Loans was far above our expectations
Sabra Perpall of Embrace Home Loans was very knowledgeable
Forgotten Tax Credit In Effect Until Apr
Forgotten Tax Credit In Effect Until Apr
Mark Lanen of Embrace Home Loans was a reassuring, efficient professional
Sondra Shemer of Embrace Home Loans is a rock star!
Bloomberg: U.S. Mortgage Applications Ri
Michael Easterly, Embrace Home Loans; "...submit this to Guinness Book of World Records!"
Joe Silva of Embrace Home Loans;"...easiest most pleasant lending agent..."
William Bourke at Embrace Home Loans; "...like working with an old long lost friend..."
According to the National Multi-Housing
Matt Fenster and Ken Pratt of Embrace Home Loans; "You're the best!"
"house hunting"? Find out how much hom
David Shaw of Embrace Home Loans; "...provided 5-star service!"
Mr. Greg Cox of Embrace Home Loans appeared to truly want to help me.
If one of your New Year's Resolutions w
Jeff VanderVorste of Embrace Home Loans; "very honest and trustworthy"
A dwindling appraiser population would l
February (34)
Jeff VanderVorste of Embrace Home Loans; His knowledge and professionalism are unparalleled.
MoneyWatch: 10 States Where Foreclosures
Another Path to Owning Property: #FHA Lo
Bob Beck of Embrace Home Loans, you are a very patient man...
Moneywatch: Surprising way to boost your
Embrace Home Loans; How To Raise Your Credit Score
Reuters: Real estate: First-time home buyer basics
Surprising Insider Secrets for the 5 Stages of Buying Your First Home
Heather Hunter, Embrace Home Loans Branch Manager
NAHB: Housing Affordability Rises to Hig
#FHA Eases Streamline Refinance Rules! h
Eric Carden of Embrace Home Loans was polite, prompt, friendly...
Erin McNally of Embrace Home Loans; got a great loan deal for me.
Embrace Home Loans; refinance both mortgages
Investors: Mortgage Lending Outlook Warm
Bill Rozek at Embrace Home Loans...were fantastic...very professional
Mr. Kevin Preble of Embrace Home Loans; "...a lot of integrity"
5 Affordable Home Makeover Ideas
Mark Lanen of Embrace Home Loans; "...thorough knowledge and attention to detail..."
Bob Beck of Embrace Home Loans was one of the most professional men...
We will personally recommend Embrace Home Loans to our friends.
Things to consider when buying a home. h
Larry Russolino of Embrace Home Loans – you're my man!!
Have you LOCKED your loan yet? CNN MONEY
Embrace Home Loans Senior Loan Officer Kevin Richardi's exemplary knowledge
Incandescent light bulbs the way out
Residential mortgage applications rose 11.3%
Super Bowl 2011: Who do you think will w
Craig Zalcberg of Embrace Home Loans was able to help me and tell me yes...
Sustainability in the Manufacturing Process
Alternative Power
Mr. Kevin Preble of Embrace Home Loans was very courteous
Suze Orman on O, The Oprah Magazine; Sho
March (61)
Embrace Home Loan's gift to Hasbro Children's Hospital
Top Ten Tips for a Timely Mortgage Approval
Jeff VanderVorste of Embrace Home Loans; "We closed on time!"
Rhode Island Home Show
As the tax deadline nears, explanation o
Wayne Davidson at Embrace Home Loans; helping with this short sale.
The real estate market is back!
Fortune: #Real estate: It's time to buy again!
Will you participate in Earth Hour?
CNN's Money: Expert Clark Howard ...best time to buy a home in 47 years!
#MegaMillions Jackpot $312million on 3/25
Embrace Home Loans; Matching Gifts Program - SafeHouse of Seminole
Home - The American Icon
Poke the packaging
Help us get the word out...please share
"Regrets, I've had a few, but then again to few to mention...."
Why Rent? Become an owner! How to Finance a Duplex or Multi-Unit Home
Sean Sullivan of Embrace Home Loans was at all times very helpful...
Refreshing Change
CNN Money: Save $50,000: Chop your mortgage
Drew LeBlanc of Embrace Home Loans; "...direct me to the best option for "me".
Wall Street Journal: Buying a First Home
Rich Barnes of Embrace Home Loans; The closing went smoothly!
EmbraceWisdom -Taking a Long Term View
Credit Score Should You Check Yours Before Getting a Mortgage?
EmbraceGiving - Big and Small Ways to Help
5 Benefits of the FHA Home Loan Program
Philip G. Morris of Embrace Home Loans; "...will refer without hesitation!"
Embrace Orange
You'll never plow a field by turning it over in your mind
Michael Taveira of Embrace Home Loans; "...saved me from losing my home!"
Benchmark 10-Year Treasury Falls to 3.28%!
April DeShano demonstrated what Embrace Home Loans is all about...class!
Louis Centrella of Embrace Home Loans it was like talking to a friend.
Seinfeld's Costanza; "serenity now, serenity now!"
Home Affordable Refinance Program, or HARP program
Japanese Tsunami and Earthquake victims
Mr. Norman Leung of Embrace Home Loans we found that he consistently exceeded our expectations.
Are you paying too much in property tax?
Jody Schlacter of Embrace Home Loans was professional, helpful and very honest.
New Rules for First-Time Home Buyers! #m
Bloomberg: U.S. Home Sales Accelerate as
No Joke! HUD homes for $1 here
John Burns of Embrace Home Loans; "...best way for me to go."
Unbelievable Offer from Money Magazine!
Crazy Smart people with Jumbo Loans Refi
Fat Tuesday? Celebrate low interest rate
Saving money and saving resources
Stephen Wright of Embrace Home Loan's genuine interest in helping us get a consolidation loan.
Jennifer Lynch of Embrace Home Loans was excellent, in all areas.
Georges Al-Halabi, Embrace Home Loans Miami; continued to fight for us!
Video on how 203k Home Renovations loans work!
Did you know an FHA loan may be approved
Embrace Home Loans and Judy Bamundo, Marcella Burchett & Patty Foster; "exceptional customer service"!
Embrace Home Loans was a pleasure to deal with and Paul Ottoson was great.
Re-using Existing Structures
Bruce Nance of Embrace Home Loans; a great asset to your organization.
April (36)
Lori Burke of Embrace Home Loans; "...worked expeditiously to complete the refinance. "
What do Realtors need the most help with
Julie Yowell of Embrace Home Loans went above the call of duty
What? Are you kidding me? Cheaper to Buy than Rent...
San Fran Chronicle: Mortgages: The ABCs of Refinancing
Frank Todisco of Embrace Home Loans; "...kept us well informed and returned our calls promptly."
Do you know about Freddie Mac HomeSteps program?
Bob Beck of Embrace Home Loans; "...look forward to your services in years to come. "
USA TODAY: Homeowners get up to $25,000
Happy Easter and Good Friday @EmbraceHomeLoan
Great News! Chemotherapy treatments are working!
Earth Day. On April 22 Starbucks Free Coffee or Tea!
Patrick Shaw of Embrace Home Loans was fantastic to work with.
Ann Davis of Embrace Home Loans; "...professional, friendly and most helpful"
Mortgage Bankers report home loan applications increased 5.3%
House Hunters: 3% down and NO PMI! No appraisal!p
Steve Winn of Embrace Home Loans; "...really cared about me getting this loan."
Should the Goverment be Run Like a Business?
Spring has sprung @EmbraceHomeLoan! http
Mr. Hedlund of Embrace Home Loans made the process very easy!
Fannie Mae offers 3.5% Buyer Assistance
Matthew Cox of Embrace Home Loans; "...very thorough with my loan."
Avoiding Refinancing Costs After Divorce
FHA 203(k) home loan can help pay for home improvement projects!
Money Magazine: It's a good idea to buy a foreclosure.
How to Qualify for an FHA Mortgage
Investors: Insane competitive advantage!
Don Taylor, Ph.D., CFA & CFP says; Best
...honestly surprised the way Jason Savoie of Embrace Home Loans handled our loan!
CBS MoneyWatch: $100 Million Mansion Sold!
A Home Builder; "Beazer" is buying homes
Gina Lalli of Embrace Home Loans; "...worked hard to get me the lowest interest rate..."
Embrace Home Loans; "...people that really care."
Embrace Home Loans, and Greg Cox; "Excellent job!"
Getting first dibs on #HUD #foreclosures
May (34)
Patrick Shaw of Embrace Home Loans; "...getting two loans closed."
LA Times says; Many homeowners are refin
What are your Memorial Day Holiday plans?
Embrace Home Loans
9 Reasons To Buy A House Now!
Real estate affordability sets record in Q1!
50% OFF HUD HOMES! Do you know about HUD
"...Mr. Anthony Rodrigues of Embrace Home Loans patience and perseverance."
The Niche Report says; New home sales at 4-month high, supply drops!
VA Streamline Refinance does not require an Appraisal or minimum FICO score.
Mr. Philip Morris of Embrace Home Loans has been so pleasant and informative.
Christian Science Monitor: Mortgage rates hit lows of the year
Jeff Gaccione of Embrace Home Loans; "...web-site is easy to use, and self-explanatory."
Scott Stevens with Embrace Home Loans; "...I didn't have to press #1, #2, etc."
Matt Fenster of Embrace Home Loans; "...incredibly knowledgeable, and always professional!"
Mortgage Interest Rates Have Bottomed Out!
Maria Fernandes of Embrace Home Loans made me feel at ease
House hunting this weekend? Try HomePath!
Should I Rent or Buy a House?
Ed Boback of Embrace Home Loans was the credit officer and he was awesome.
Mortgage Applications rise as home mortgage interest rates fall!
All prospective borrowers are eligible for FHA loans.
Pat Holland of Embrace Home Loans; "…recommend you to others looking to either purchase or refinance."
MoneyWatch: Time to Ditch Your 30-Year Mortgage?
Freddie Mac reports that 21 percent of refinancing homeowners reduced their principal balance.
Great opportunity for young people to build wealth now buying real estate!
Happy Mother's Day to mothers everywher
Saturday's Kentucky Derby: What method would you use to pick a horse to bet on?
Joni Hamlett of Embrace Home Loans; "...knowledgeable, professional, so caring"
Happy Cinco de Mayo to our employees...
Embrace Home Loans Names Brian Gilpin to
Ed Bidlack of Embrace Home Loans was an absolute delight to deal with
Kristy Slater of Embrace Home Loans is a great asset to your company!
Trulia; Better to rent or buy in each of USA's 50 largest cities
June (36)
New York Times says; "Owning a house remains central to Americans' sense of well-being"
Greg Peele and Paul Janke of Embrace Home Loans Orlando Branch…the closing was AWESOME!!!
Bob Chase of Embrace Home Loans; "...made us feel like his own family members and not just clients."
To our Realtor referral partners... Have you tried Zapd?
Brian Kilday of Embrace Home Loans, I felt like I knew him like my own family.
CNN Money: Great Advice - "Dreaming of a bigger home"
Steve Thaggard of Embrace Home Loans has been absolutely wonderful!
Mike Padovich of Embrace Home Loans was very professional.
Today is the Summer Solstice! Longest day of the year.
US Homeowners refinancing to add equity
Loretta Burke of Embrace Home Loans; "...you need someone who seems concerned – and she was."
Wishing a Happy Father's Day to Embrace Home Loans customers...
Huffington Post Says; "Home Mortgage Applications Make Big Jump On Refinancing Activity"
Sondra Shemer & Gina McKay of Embrace Home Loans..
Drew Leblanc with Embrace Home; "...truthful in all areas."
U.S. Homeowners Shift to 15-Year Loan Refinancing to Add Equity!
Could this be the end of the 'walk thru - house tour'?
In your 50's? TheStreet says; "Take Advantage of Low Interest"
Coincidence? Equal Housing Lender (EHL)
USA Today reports; Fixed mortgage rates
Karla Melgar of Embrace Home Loans, was referred to me by a friend...
Pay for divorce with cash-out refinancing?
...an audit on one of your loans and there were NO DEFICIENCIES!
Washington Times article; Mortgage Q&A: VA loans ideal for first time homebuyers.
Chris Tibeault of Embrace Home Loans; "...all people aren't as professional and courteous as your were."
CNN MONEY asks "House hunting: Is this the best time to buy?"
CNBC says; "Falling #Mortgage Rates Spu
Embrace Home Loans Celebrates 28th Year
John Crain and Karen Brown of Embrace Home Loans; "Great Team!"
Scott Stevens of Embrace Home Loans was extremely professional and helpful.
Embrace Home Loans - Ruben Zalcberg; "This whole process was fast, easy and painless."
Wall Street Journal says Mortgage Rates Slide for a 7th Straight Week!
Mr. Joseph Silva of Embrace Home Loans; "He provided hope even when I thought the process was hopeless."
Buy a Home Without Cash From Parents!
Don't miss the biggest sale in generations!
Keith Calabro of Embrace Home Loans was extremely professional!
July (26)
Trevor Powers of Embrace Home Loans was professional, kind, hard-working and very persistent.
Stephen Lord of Embrace Home Loans was very interested in helping me with my loan.
Timothy Higgins, Jennifer Kain and Dawn Lubega of Embrace Home Loans; "They made the process effortless."
FHA 203k - great article to learn more!
Jonathan DeSisto of Embrace Home Loans; "When I felt unsure – he assured me all was ok."
Getting Married? Add Home Purchase to Your Bridal Registry!
Joe Tartamosa of Embrace Home Loans was very pleasant and helpful throughout my entire process.
Buying a home is now less expensive than renting! FHA fast preapproval
Bret Arnold of Embrace Home Loans was responsive, knowledgeable and professional.
Housing Starts Rise to 5-Month High!
How do you stay cool when it's this hot outside?
CBS MoneyWatch says; "5 Ways to Build a Good Credit Score from Scratch"
CBS Moneywatch says; "Mortgage Rates Fall: 5 Rules for Refinancing"
Alyssa Bottone of Embrace Home Loans; "We would not have our new home without her!"
Q: My wife and I both have bad credit, but solid incomes. Will anybody take a chance on us?
Larry Russolino of Embrace Home Loans proved to be nothing less than exceptional.
Neil Kolakowski of Embrace Home Loans was very understanding and friendly.
A special thanks to everyone at Embrace for your compassionate caring...
10 Year Treasury yields drop below 3% today!
Karl Haynes of Embrace Home Loans; "...much better than trying to deal with a big bank..."
Cheaper to buy than rent! Are you searching for a new home?
24/7 Wall Street says; "Your Mortgage Refinance Opportunities May Be Quickly Going Away"
James Melton of Embrace Home Loans – he made my wife's and my dream come true.
wishing all of our employees, families, friends, customers and referral partners a Happy 4th of July Holiday!
Getting a lower rate by refinancing is not the only reason you may choose to refinance.
MSN Money article says; "How we're paying off our mortgage early
August (38)
Upside Down on your Mortgage? Refinance with HARP program!
upside down mortgage
UPI: Obama administration considers plan
Bob Beck of Embrace Home Loans was wonderful!
Larry Bruner of Embrace Home Loans; "I believed again in becoming a home owner."
Reuters: FHA multifamily loan originations at record high!
Mortgage burning is back as more owners opt out of 30-year term.
Calif. First-Time Buyers Getting Mortgages with 1% Down payment!
...the idea of owning a home, debt-free, is appealing to many!
"We won't have a mortgage when we retire looked like a smart decision."
"rock-bottom rates have made it even more enticing for those who are looking to buy a home to act now"
USDA Has $11.2 Billion to Guarantee No-Down Mortgages till October
The Real Estate Book now offers mobile apps to locate real estate in your area!
CNN MONEY Breaking News 10-year Treasury yield hits record low of 1.99% earlier today
FHA can qualify you for a home loan within two years of your bankruptcy case being completed.
CNN Money says - it's now cheaper to buy a two-bedroom home than to rent one in most major U.S. cities!
Wayne Davidson of Embrace Home Loans, "Thank you for being part of the team that made our dream a reality!"
Freddie Mac "HomeSteps" $1,500 to condominium buyers towards HOA dues!
Still have an Adjustable Rate Mortgage?
More homeowners prefer to pay off their mortgages sooner as interest rates have stayed near rock-bottom
AOL Finance Asks; "Is Now the Time to Refinance Your Mortgage?"
Celine Rice of Embrace Home Loans; "...extremely helpful, very knowledgeable..."
Have you tried out HUD's New REO portal
Reuters; "In a few years, these rates wi
CNN Money - "The savings for borrowers
Ann Davis of Embrace Home Loans
Angela Gioia of Embrace Home Loans; "...never dealt with anyone who did so much to keep things moving"
Refinances increased 30.4 percent after mortgage rates tumbled to their lowest levels of the year.
Sandra Burroughs of Embrace Home Loans; "I would and will recommend her to anyone."
MarketWatch: Mortgage rates fall, giving second chance to refi procrastinators
Mr. Paul Goulet of Embrace Home Loans; "...everything happened just as he said it would."
Police, Teachers, Firefighters, EMT's, etc can buy HUD homes at 50% OFF the listed price?
Mortgage rates plunge, 15-year rate hits new low.
John Wilcox at Embrace Home Loans; "...we could refinance despite what others had told me."
15 year #mortgage hits lowest rate in 21 years!
25% of homeowners who refinanced reduced the balanced owed with a "cash in" refinance!
I would recommend Embrace Home Loans as a first choice to anyone seeking financing.
Is this a good time to refinance?
September (34)
Tom Trott of Embrace Home Loans; "...Your process, however, was smooth and amazingly quick!"
Unbelievable! Anyone with an Adjustable
Houston Chronicle say; "Refinancing you
Jeremy Moreithi with Embrace Home Loans; "...find a home and close with only 1% out of pocket!"
60 to 80 percent of homes for sale may be eligible for an home buyer's assistance programs
Wall Street Journal says; "Rate Drop Spurs Refinancings!"
Kiplinger says; "5 Mistakes to Avoid When Refinancing"
Forbes says; " age 45-55? Refinance from 30 year to 15 year mortgage
I will be very happy to recommend Jane Williams and Embrace Home Loans in the future.
ABC Money says; "Refinancing? Request the 'Reissue Rate"
FHA Streamline Refinance, which is basically an automatic refinance
Bruce Nance of Embrace Home Loans; "kind, thoughtful, helpful and knowledgeable..."
The Street says; How You Can Save By Refinancing Now!
CNN MONEY; I bought my dream retirement home -- cheap!
Daily Finance; Refinancing Tips: What You Need to Know to Snag Today's Rock-Bottom Rates
How You Can Save By Refinancing Now!
CNN Money says; "Mortgage rates hit record low: 30-year fixed nears 4%"! 15-year loans in the 3's!
Joe Muscarella - Ronald McDonald House of Providence – Board of Directors
Greg Mullen of Embrace Home Loans; "...I really needed help with remortgaging."
John Barbato of Embrace Home Loans did a fantastic job in getting my mortgage together.
HomePath® Buyer Incentive ends October 3
TheStreet: "This Loan Can Fix Your Fixe
Buying a Fixer-Upper? Learn More About t
Underwater? Yes, you can refinance! 75%
CBS MoneyWatch Live Stream today at 2pm
What if you could talk to someone who cares about your financial future?
Kevin Preble of Embrace Home Loans; "...always professional and personable."
Embrace Home Loans
Embrace Home Loans became one of the top providers of FHA loans in the U.S.
MSN MONEY says; "People who can refinance often prefer a mortgage of less than 30 or even 20 years."
Bloomberg: Banks Overwhelmed by Mortgage Refinancing
Investors.com says; "Social Networks Are Real Estate's New 'Word Of Mouth'"
What are your Labor Day Weekend Holiday plans?
"Our mortgages are straightforward, to the point and without superfluous words and jargon
October (49)
Michael Holtman of Embrace Home Loans; "Thanks Michael...here are three referrals!"
Lawrence Yun, Chief Economist National A
FICO Score of 750 Needed for Mortgage? L
Celebrating our 2nd year as Embrace Home Loans!
CNN Money asks and answers the questions
Take a little break & enjoy. :) http://v
LA Times says; Mortgage refinancing to g
Kristy Slater of Embrace Home Loans; "...has been very professional and caring!"
CNN Money great news! Home prices rise f
ExtraNormal Video explaining mortgage op
Marco Melo of Embrace Home Loans' ability to understand my needs...
International buyers accounted for aroun
Wonder how to plan and calculate a mortg
FHA mortgages attractive to first time b
Mike Rooney of Embrace Home Loans helped me navigate through the process quickly and easily.
USA Today: "Study - More Facebook frien
Wall Street Journal says; "It's Time t
Fannie Mae Homepath… Another Great Resou
Mike Botelho of Embrace Home Loans was wonderful!
Qualifying For A Mortgage: It's Not As D
PBN story about Embrace Home Loans Ranke
Embrace Home Loans Ranked #18 by Entrepr
I would recommend Embrace Home Loans and Marc to anyone...thanks!
Home Buying Programs in your state? Sear
50% OFF the Listed PRICE of these homes!
Do you know what a VA "IRRRL" loan sta
Renters - you can purchase and rehab a h
Great Video! Is Refinancing Worth the Co
FHA Streamline can be done without an ap
85% of all home buyers search online usi
NASDAQ; VA Mortgage Pros and Cons http:/
What do you "Embrace"? We "Embrace" Equi-Kids.org!
We give Joe Silva and Embrace Home Loans a "Triple A Rating"!
500+ Embrace Home Loans employees in 20
15-year mortgages the hot refinancing op
Bloomberg: Want to refinance your mortga
CNN Money Breaking News: 30-year mortgag
I made a call to BBB and was told Embrace Home Loans had an A++ rating...
Moody's: "$63 Billion saved by refinan
Housing Wire: "Freddie Mac highlights s
Christina Swift of Embrace Home; "...very impressed, both with her expertise and expediency."
Breaking News: Bank of America suspend a
Graham Powers of Embrace Home Loans; "The most important thing is he listened to me."
Informa Research Services says; "As Mor
Investors Daily great advice: "Does Hom
New York Times article; "Determining a
Monthly mortgage: $340,798! ZILLOW: Most
November (42)
Marco Melo of Embrace Home Loans; "...was great at keeping me informed!"
Have you seen this one? "Mortgage rates
New-home sales rise 1.3% to 307,000 annu
Melissa Bjorklund of Embrace Home Loans; "...she had the tenacity to walk us through it."
Washington Post says; Refinancing? Don't
From everyone @EmbraceHomeLoan wishing f
Effective Friday, November 18, FHA has r
National Mortgage News; FHA: Plenty of M
Wall Street Journal; "Refinancing Guide
The Consumerist says; "95% of refinanci
We've used Joni Hamlett of Embrace Home Loans 3 times now
Washington Times says; "Loan rejection
Bob Beck of Embrace Home Loans; "He showed sincere concern for my problems."
Embrace Home Loans; "Ryan Kennefick saved me!"
Ambrose Ling of Embrace Home Loans; "He made me feel very important..."
Washington Post; "Rate on 30-year loan
HuffingtonPost: Mortgage Applications Su
FoxNews; Bad Credit and Living on Disabi
RealtyTimes; Five Great Things about Hom
Happy Veterans Day!
Refinance no matter how far underwater y
Bloomberg; Wealthy Qualifying for Loans
David Martin of Embrace Home Loans; "...came up with a better plan, so things would be easier for me."
FHA borrowers can take advantage of stre
Fox Business; Proving Income to Refinanc
Mitch Jacobs of Embrace Home Loans; "I have and will continue to send friends his way."
Omaha World Herald; "A lifeline for hom
MarketWatch; 82 Percent of Refinancing H
UPI says; "Computerized Appraisals Used in New Refinancing Program"
HUD Homes: Another Source of Great Poten
What do you "embrace"? We "embrace" the Alzheimer's Association Rhode Island Chapter!
Embrace Home Loans Charity of the Month Alzheimer's Association Rhode Island Chapter
Keith Costello of Embrace Home Loans; "...made the process painless and easy."
What do you "embrace"? We "embrace" The
What do you "embrace"? We "embrace" Beethoven Found's Wounded Warrior Memorial Day Tribute
Ms. Deanna Yankee of Embrace Home Loans was more than a pleasure to work with.
Business Week reports: U.S. Mortgage Rat
CNN Money story; "Real estate moguls in
Sandra Burroughs of Embrace Home Loans; "She made me feel at ease and a sense of trustworthiness..."
Zillow and Pulte Homes to Give Away $350
Ghosts and Goblins everywhere...have a s
Clark Howard advises - New refinance rul
December (28)
Merry Christmas and Happy New Year from
A guide to mortgage refinancing as rates
CNN Money says: Mortgage rates hit anoth
Marc and Owen Devine Crossroads
Marc and Owen Devine Crossroads
Marc and Owen Devine Crossroads 2
Marc Walz and Owen Devine Crossroads
FoxNews says; "3 tips for cutting your
MarketWatch; Military Homeowners Capital
Mr. Pat Holland of Embrace Home Loans; "...treated me like a lifelong friend!"
Patrick Shaw of Embrace Home Loans; '..I wasn't sure if you could help us"
A Glass of Holiday Cheer Half Full
CNN Money; Mortgage rates fall to record
Reuters says; "Mortgage refinance deman
Yahoo Real Estate says; "..homeowners i
James Eulie of Embrace Home Loans made the process as painless as possible and his sense of urgency...
InMan News says; "Short on real estate
Many have questions about HARP 2.0 refin
Kyle Casey of Embrace Home Loans was very courteous and kind!
Housing Wire says; "Mortgage applicatio
FoxBusiness says; "Easy Ways to Save fo
Chris Horley and Embrace Loans; "...he took the time to go over everything!"
CNN Money says; "Retiree havens go on s
Mr. Nathan Nary of Embrace Home Loans could not have been more accommodating and professional!
Realtors and any who is looking to buy a
Rich Barnes of Embrace Home Loans; "...listened to me, researched my situation...and said "I can help you"!
FoxBusinessNews: Refinance After Bankrup
FHA loans still offer great low rates an
May (9)
New Employees
5 years in a row; Best Places to Work in Rhode Island!
Embrace Home Loans monthly awards ceremony
PBN May 2010 Best Places to Work Winners
Hello world!
June (47)
DIVORCE is never easy! Everyday we help
50+ year olds, thinking about retirement
Housing Affordability is highest when in
Housing Affordability is highest when in
Thomas Ulbrich, Senior Loan Officer
Freddie Mac says rate on a 30-year fixed
House Passes Flood Insurance Extension;
House Passes Flood Insurance Extension;
google.com/voice is FREE! How's it work
No Appraisal Necessary on FHA Streamline
June 21, 2010: Joining our Retail Divisi
First Day of Summer @EmbraceHomeLoan ! W
Title N/A
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Fannie Mae; "Five Step" guides to help
Senate OKs extending home-buyer credit d
Mortgage applications in the U.S. jumped
Embrace Home Loans Marks Its 27th Year o
Please post your comments...Would you sa
Act Now on Refinancing -- or Kiss Those
it's VACATION TIME! If you are one of t
Helping people with low credit scores or
as June 30th Deadline nears Congress Cou
National Homeownership Month! NeighborWo
18 states regulate appraisal management
Thinking of buying a home or refinancing
Title N/A
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News Archive
July (40)
Unbelievable new trend in refinancing! C
Unbelievable new trend in refinancing! C
Someone today will get the 'deal of a l
7 good reasons for a mortgage refinance:
"Mortgages After Financial Reform: 5 Wa
Government Grants for Real Estate: 4+ mi
Need extra cash to make repairs to your
Need extra cash to make repairs to your
According to the WSJ 80% of mortgage act
New Employees
Embrace would like to extend a warm welc
Everyone at Embrace Home Loans would lik
Do you have a "good" or "bad" Adjust
Bill Rozek and family from Rockville Mar
Featured Loan Officers
Embrace Home Loans Mike Easterly oversee
Embrace Home Loans Announces New Branch
Bloomberg News: Mortgage Applications in
HOW HOT is it where you live? The only t
....And the rocket's red glare, the bom
Mortgage rates have sunk to the lowest l
Where are you going to watch fireworks?
First-time homebuyers have until Sept. 3
Sitting on the sidelines? Not any longer
August (41)
CNN Money reports Home prices gain 3.6%
Honor All Customers as Our Guest
Honor All Customers as Our Guest
Freddie Mac Reports Long-Term Mortgage R
3% Low Down Payment, Flex Terms, Weak Cr
Honor All Customers as Our Guest
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Reuters Reports: Home refinancing demand
Embrace Home Loans, Fairfax Branch Moves
INC 5000 Fastest Growing Private Compani
A married couple earning at least $13.25
Title N/A
Embrace Home Loans Fastest Growing Priva
Title N/A
No Appraisal Fee, No Mortgage Insurance,
Bloomberg: U.S. mortgage rates set a rec
Embrace Home Loans Offering Streamline 2
Wall Street Journal reports refinancing
ONE THIRD of all refinances are for a sh
FHA Streamline Refinance NO APPRAISAL wh
Embrace Home Loans video testimonial; De
Reuters reports Mortgage rates hit fresh
Home prices slowly creeping up according
Fire-sale mortgages! Three ways to profi
August 6, 2010 I wish to congratulate Em
Congratulations: Embrace Home Loans has
Divorce? We order appraisals, and get th
Free Unlimited Worldwide Calling with ne
FREE CALLS WORLDWIDE! Vonage Gives Faceb
Yahoo Finance reports Average rates for
$2,500 SIGNING BONUS! http://ht.ly/2lBgZ
New Fannie Mae resource to help American
Please WELCOME the following new Embrace
Embrace Home Loans announces that Rich G
The Street advice; 5 Credit-Report Error
September (34)
Did you know that FHA loans are easier t
Paul Ottoson at Embrace Home Loans was absolutely amazing.
Embrace Home Loans Finds Time Is Right for Retail
CNN MONEY explains how much money you ca
(CNNMoney.com)Home prices have risen for
Lawyers Title & Escrow Services referral
Bob Beck; "He is a truly caring individual and extremely professional."
Helping a Buyer Avoid a HUGE Mistake and Pulling A Deal Out Of The Fire
Fannie Mae Offers New Incentive -- Up to 3.5% Home-Buyer Assistance and $1,500 Selling Agent Bonus
Realtors: Selling Agent Receives $1,500
Sarah Dillon at Embrace Home Loans, ...a friend in lending.
6 ways to better your credit if you are
Chris Sipe ; Senior loan officer, Embrace Home Loans, Frederick, Md.
Great News! Fed Holds Rates Steady; Hous
Embrace Home Loans Testimonial: George Tantimonico was absolutely available and courteous...
Living with the wrong mortgage can be ne
1st time home buyer recommends Mary Beth Henderson!
Is your Loan Officer S.A.F.E.? All Embra
Pat Shaw, Sr. Loan Officer "a true gentleman"!
Realtors; Government Insured Mortgages (
DIVORCE? We can order the appraisal and
Embrace Home Loans Customer Testimonial
Wayne Ferguson and Louis Centrella; new loan officers - Wilmington, N.C. branch.
Embrace Home Loans welcomes 6 new employ
Honor All Customers as Our Guest
Home Affordability near record levels! h
Honor All Customers as Our Guest
Please welcome 19 New Embrace Home Loans
Wishing employees, friends, family, & fa
Freddie Mac: Mortgage Rates Once Again S
Honor All Customers as Our Guest
Reuters: Mortgage applications for home
Tired of Renting? 5 reasons why buying a
Tired of Renting? Five reasons why buyin
October (29)
#mortgage #interest rates are "scary lo
My dealing with Embrace Home Loans and Mr. Christ rates as one of the best!
33% of US Homeowners who refinanced in 3
Doug Benner @EmbraceHomeLoans did a great job
Reuters: US home loan demand up as rates
...all you did for me and how much you had to put up with my anxiety and fears
STOP RENTING! Home Prices @ Record Lows
Embrace Home Loans 1 year anniversary of
NYTIMES article says; Plunging Rates for
Mike Holtman; "He gave us a plan, and a hope."
Top five reasons to purchase a home now;
9 ways consumers get down-payment cash t
John Wilcox, Embrace Home Loans; I cannot commend him more – he is the greatest!
Embrace Home Loans welcomes 4 new Teammates this week!
Wall Street Journal reports 30-year fixe
We would highly recommend Maria Fernandes to anyone looking for a loan.
50% Off HUD homes, 1% down, and up to $3
James Melton; thanks and appreciation for the way in which you handled the refi on our home.
Reuters: US home refinancing demand jump
Bad credit? You can still buy a house
Embrace Home Loans | Sally Herigstad: Op
Embrace Home Loans welcomes 11 new Teammates this week!
Michael Holtman did a phenomenal job in seeing our loan through
(Reuters) - U.S. mortgage applications f
Wakenda Flynt; Above and Beyond!
NYTIMES advice; ...a growing number of h
Fifteen-Year Mortgage Rate Set Another R
Fannie Mae HomePath homes are homes that
Increase your Purchasing Power! A mortga
November (33)
Embrace Home Loans; Macken Dolan - "very courteous and professional"
Paying Down Debt: More Homeowners Puttin
Fannie Mae offering buyers 3.5% closing
CNBC says; U.S. mortgage applications fo
Embrace Home Loans hires its 600th emplo
With the Thanksgiving Holiday fast appro
Honorably discharged veterans are eligib
Can you get a mortgage on paid-off home?
Embrace Home Loans message from the pres
Embrace Home Loans; Paul Ottoson "he did everything perfectly."
National Mortgage News: Low Mortgage Rat
New Facebook Messaging; if you have not
Embrace Home Loans; "Karla Melgar -
Embrace Home Loans; Mr. Nicholas Christ "He embraced us, as we embraced him!"
Just Announced! Facebook email explained
CNN Money Says Make Money in 2011 Your H
LA Times; Refinancing now could be bette
Embrace Home Loans, Larry Rusolino; was very courteous and professional
Mortgage rates continued their race to t
Check this video out -- Search Stories -
Ambrose Ling - Embrace Home Loans; "...he kept in touch with us and answered every question we had!"
Reuters: US home loan demand rises as ra
Embrace Home Loans Celebrates More Than
Manny Raposo at Embrace Home Loans; "best holiday gift anyone could ever give me!"
Origination News Featured Article Doug B
Joshua Hankins at Embrace Home loans took time to answer , or find the answer, to all my questions.
Embrace Home Loans Gheorghe Ciorobea provided expert advice and exceptional customer service.
Have you ever noticed that when the stoc
CNN MONEY: 3 ways low mortgage rates can
Smartmoney: Should You Refinance If You
Embrace Home Loans and Tim Long guided me easily into the relatively secure situation
Securing #Mortgage Relief With FHA Strea
By the time my refinance was completed, I felt I had acquired a new friend.
December (25)
From everyone @Embracehomeloan wishing y
George Tantimonico with Embrace Home Loans was excellent to work with...
Patrick Bryan at Embrace Home Loans; Excellent service! Courteous! Pleasant!
Have you locked your loan yet? Rising mo
Anne Marie Cazzarro at Embrace Home Loans...she is awesome!
Wakenda Flynt, Cyndee Gause and Embrace Home Loans; "opportunity of a lifetime"!
Bryan LaFountain at Embrace Home Loans was the most professional.
Embrace Home Loans -Joseph Brodeur; "...he took care of it immediately!"
Buying a Condo with an FHA Loan? Your CO
CNN MONEY says; "Buying a home now is a
Dr. Martin Luther King, Jr. Community Center
Mike Chaffa and Embrace Home Loans have changed our lives.
CBS MoneyWatch; 12 Top Remodeling Trends
Nick Serino at Embrace Home Loans; "..found him to be extremely helpful."
Brian Wheelin of Embrace Home Loans; "...the face of Embrace!"
Moneywatch: 11 markets show home prices
Lori Burke at Embrace Home Loans; "She provided superior customer service"
Embrace Home Loans; "Gary Tiberi was great!"
CNNMoney says; "Buy a foreclosure - sav
The Mortgage Tax Deduction is Safe, for
Can a low credit score sink your mortgag
Bill Hedlund at Embrace Home Loans; "...above and beyond the call of normal duty..."
Inc 5000 List Ranks Embrace Home Loans A
50% Off HUD homes for 'Good Neighbors'
Embrace Home Loans; Frank Todisco "Good guy – would deal with him again without hesitation."


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Catherine Texier
About the Author
Catherine Texier is the author of three previous novels, Chloé l'Atlantique, Love Me Tender, and Panic Blood, and a memoir, Breakup. She was the coeditor of the literary magazine Between C & D, is a regular contributor to the New York Times, and has written for Newsday, Elle, Harper's Bazaar, Cosmopolitan, Marie Claire, and Nerve.com. Texier lives in New York City.


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First off, this song kicks monster ***, but Funk generally does so it's not that surprsing
There's a glitch in the video about 2:15 in, it's a 2-second break. http://www.youtube.com/watch?v=dSC29xl6hno
This was from 1972, the same year the song was released, Stevie Wonder also performed it that year on Soul Train. They really jam with it on Sesame Street, running it nearly double the song's original length, kinda hard to believe they'd put it on Sesame Street, but it's not an inappropriate song in terms of lyrical content, so why not?


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As thoroughly disturbed as I was after watching the first 10 minutes or so of this anime, I definitely have to give it my respect for its story content and the feeling of uncertainty that it leaves you after every episode. Many of us have watched shounen anime where the main character has a goal in mind and by sheer willpower or hard work it always works out in the end. But Deadman Wonderland is different, it is at almost the complete opposite end of the spectrum because not everything goes right for Ganta in this series and he's not a strong character, but a determined character... See full review
I feel that Highschool of the Dead had a great theme, but due to its short length I didn't feel that it was enough to fully develop the characters and a solid story. The actions scenes I will give an A+, however, if you look at the anime I have given 5 stars, you will notice that in order for me to fully classify this as a great anime it needs develop all elements of it (e.g: story, characters, etc.) in the way that they are meant to be developed. Highschool of the Dead I felt was meant to be a much deeper anime than I felt it actually was.See full review
I know many people compare Death Note to Code Geass and vice versa, and the two series are very similar, but both with their own distinct style and tone. Death Note's very dark tone throughout combined with a truly evil main character truly separates it from Code Geass. By that I don't mean that one is better than the other, I mean that they are the best in their own respective genres. On the topic of an evil main character (or at least I think he's evil), the most entertaining aspect of this series is the battle of wits that ensues throughout this anime's entirety (SPOILER: Though one of... See full review
Code Geass truly is a masterpiece anime due to the uniqueness and lovability of the characters and the depth of the storyline. Unlike Death Note, a very similar anime, Code Geass takes a much lighter tone but as a whole not any less serious. What I find most entertaining about this anime is that both Lelouch and Suzaku are trying to change the world and do the right thing, but must go a route that is not necessarily right. As a result, neither one of these characters can be classified as the true antagonist. It is also interesting when a character's greatest weapon is not his fists... See full review


text:
|index by Group
|index by Distribution
|index by Vendor
|index by creation date
|index by Name
|Name: varnish-devel
|Distribution: openSUSE 13.1
|Version: 3.0.3
|Vendor: openSUSE
|Release: 4.5.1
|Build date: Thu Nov 14 16:11:50 2013
|Group: Development/Libraries/C and C++
|Build host: build65
|Size: 35959
|Source RPM: varnish-3.0.3-4.5.1.src.rpm
|Packager: http://bugs.opensuse.org
|Url: http://varnish-cache.org/
|Summary: Development files for Varnish
Varnish is an HTTP accelerator. An HTTP accelerator (often called Reverse Proxy) is an application that stores (caches) documents that have been requested over the HTTP protocol. Based on certain criteria the next client requesting the document is either given the cached document, or a "fresh" document requested from a backend server. The purpose of this is to minimize the requests going to the backend server(s) by serving the same document to potentially many users. This package holds the development files for varnish.
* Fri Nov 01 2013 firstname.lastname@example.com - Add 0001-Make-up-our-mind-Any-req.-we-receive-from-the-client.patch (CVE-2013-4484, bnc#848451) * Fri Oct 04 2013 firstname.lastname@example.com - Deactivate libpcre JIT (bnc#839358), add varnish-disable-pcrejit.diff * Sun Sep 23 2012 email@example.com - Update to version 3.0.3 * Fixed excessive session workspace allocations. * Fixed some crashes in the case of out of memory * Fixed an infinite loop in the regex parser. * DNS director now uses port 80 by default if not specified. * Introduce idle_send_timeout and increase default value for send_timeout to 600s. This allows a long send timeout for slow clients while still being able to disconnect idle clients. * Fixed a crash when passing with streaming on. * Fixed a crash in the idle session timeout code. * Fixed an issue where the poll waiter did not timeout clients if all clients were idle. * Log regex errors instead of crashing. * Introduce pcre_match_limit, and pcre_match_limit_recursion parameters. * Add CLI commands to manually control health state of a backend. * Wed Feb 08 2012 firstname.lastname@example.com - Update to new upstream release 3.0.2 * Add support for ESI and gzip * Handle objects larger than 2G * HTTP Range support is now enabled by default * "307 Temporary redirect" is now considered cacheable * see ChangeLog (packaged) or http://varnish-cache.org/trac/browser/doc/changes.rst for details - Note that the -s file,/var/cache/varnish,524288 argument (check /etc/sysconfig/varnish) needs at least "1M" instead of 524288 or the daemon will not start anymore. - Add systemd unit files * Thu Dec 08 2011 firstname.lastname@example.com - fix license to be in spdx.org format * Tue May 10 2011 firstname.lastname@example.com - Varnish Requires a C compiler, the vcl scripts are compiled and loaded as DSO. * Sat Apr 16 2011 firstname.lastname@example.com - remove configure option --enable-debugging-symbols it overrides buildsystem optimization levels. * Sat Apr 16 2011 firstname.lastname@example.com - Update to version 2.1.5 * Two bugs relating to Content-Length and possible duplication of Content-Length headers have been resolved. * Fixed an issue with re-using connections after Chunked-Encoding. * Use the time of cache-insertion for "If-Modified-Since" requests if a "Last-Modified" header isn't provided by the backend. * Merge multi-line Vary and Cache-Control headers from clients, which Google Chromium seem to split up. * Fri Apr 15 2011 email@example.com - use pkgconfig instead of pkg-config on SLES 9 * Sun Apr 03 2011 firstname.lastname@example.com - Fix security-problematic ownership of /etc/varnish files (bnc#678811) - Run spec-beautifier over it - Replace default shipped vcl.conf by something working - Run as varnish user - Start varnishlog together with varnishd - Properly use PID files in init script * Sat Oct 09 2010 firstname.lastname@example.com - Create and package /var/log/varnish * Thu Aug 05 2010 email@example.com - Update to new upstream release: 2.1.3 * fixed an off-by-one error in the ESI handling causing includes to fail a large part of the time. * Avoid triggering an assert if the other end closes the connection while we are lingering and waiting for another request from them. * Make it possible to specify the per-thread stack size. This might be useful on 32 bit systems with their limited address space. * Persistent storage is now experimentally supported using the persistent stevedore. It has the same command line arguments as the file stevedore. * The regular expression engine is now PCRE instead of POSIX regular expressions. * Add a new hashing method called critbit. This autoscales and should work better on large object workloads than the classic hash. Critbit has been made the default hash algorithm. * Add support for authenticating CLI connections. * Add hash director that chooses which backend to use depending on req.hash. * Add client director that chooses which backend to use depending on the client's IP address. Note that this ignores the X-Forwarded-For header. * Add a timestamp to bans, so you can know how old they are. * Varnish can now connect its CLI to a remote instance when starting up, rather than just being connected to. * It is no longer needed to specify the maximum number of HTTP headers to allow from backends. This is now a run-time parameter. * HEAD requests would be converted to GET requests too early, which affected pass and pipe. This has been fixed. * Add experimental support for the Range header. This has to be enabled using the parameter http_range_support. - Add PreReqs for %post - Run %setup quietly - Remove unneeded .la files from installation - libraries are in a standard directory already - Avoid use of bash-specific &>/dev/null during %post - Refine file lists - Remove old changelog from .spec - changelog is in .changes * Tue Dec 15 2009 firstname.lastname@example.com - update 2.0.5 * Fri Apr 03 2009 firstname.lastname@example.com - update to 2.0.4 * Tue Mar 10 2009 firstname.lastname@example.com - update to 2.0.3
/usr/include/varnish /usr/include/varnish/varnishapi.h /usr/include/varnish/vcli.h /usr/include/varnish/vsc.h /usr/include/varnish/vsc_all.h /usr/include/varnish/vsc_fields.h /usr/include/varnish/vsl.h /usr/include/varnish/vsl_tags.h /usr/include/varnish/vsm.h /usr/lib/libvarnishapi.so /usr/lib/pkgconfig/varnishapi.pc
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Fabrice Bellet, Mon Apr 10 05:38:41 2017