text:
Click HERE to
view an Agility Test Schedule & Entry Form for the event
listed below.
Event Dates:
Club Name:
Closing date:
2nd Closing Date:
Event Secretary:
The following class schedule has been filed for this event but is subject to change without notice.
USDAA®, the USDAA logo, CYNOSPORT® the CYNOSPORT logo, DOG AGILITY MASTERS®, GRAND PRIX OF DOG AGILITY®, DOG AGILITY STEEPLECHASE®, SPRING FESTIVAL OF DOG AGILITY®, AGILITY DOG®, ADVANCED AGILITY DOG®, MASTER AGILITY DOG®, AGILITY DOG CHAMPION®, are the registered trademarks of United States Dog Agility Association, Inc. PERFORMANCE GRAND PRIXSM, PERFORMANCE VERSATILITY PAIRSSM, PERFORMANCE SPEED JUMPINGSM, JUMPERS MASTERSM, GAMBLERS MASTERSM, SNOOKER MASTERSM, RELAY MASTERSM, PERFORMANCE DOG SM, ADVANCED PERFORMANCE DOGSM, MASTER PERFORMANCE DOGSM, and PERFORMANCE DOG CHAMPIONSM are trade and service marks may not be used for commercial or other purposes without the express written consent of United States Dog Agility Association, Inc.
Dog Agility Masters® Team, Performance Versatility PairsSM, Veterans Classes, and Masters Challenge Standard/Jumpers (open to all levels as of Jan. 1, 2013) will be offered at this event.
2013 Local Qualifiers for:
Grand Prix of Dog Agility® & Performance Grand PrixSM World ChampionshipsDog Agility Steeplechase® & Performance Speed Jumping ™ ChampionshipsDog Agility Masters® Team, Performance Versatility PairsSMCynosport® Handlers Challenge (HC) Biathlon
Day-to-Day Move-Ups (see Entries & Acceptance) and Mixed Height Pairs (see Class Descriptions) will be allowed.
One or more electronic timing systems may be utilized for measuring performance times at this event.
Exit I-25 either southbound or northbound at Castle Rock exit 181 (Plum Creek Parkway going east).
Follow Plum Creek Parkway (approximately 1 mile), turn left (North) at Fairgrounds Drive and follow road North to indoor events center located to the west of the main building.
Use Gate E to enter arena. Parking is available on the East and West ends of building.
ONLY designated areas MUST be used for any event parking, camping or RV's at a Douglas County Facility. RV reservations are required for ALL RV's including Dry Camping.
There are over 15 spaces with electrical hook-ups available for $15/night. There will be 2 separate dry camping areas available at no charge, one for campers with exhaust diverters and one for those without. Please park accordingly in the designated area. No water or sewer hook-ups are available. A sanitary sewer dump station is not available.
For questions and reservations, including dry camping, contact Shar Henry at email@example.com
A crating area is available in the vicinity of the ring.
Dogs are prohibited on the ball fields.
Competitors are required to pick up after their dogs; dogs may only be exercised in designated areas. Do not allow dogs to urinate on any man-made objects including trash cans.
Dogs are required to be leashed or crated at all times, except when competing in the ring or using the warm-up jump. Failure to comply with these rules will result in refusal of entries to future FRAT events.
Entries sent by Fedex, Express Mail or other courier service will only be accepted if the waiver allowing delivery without signature is signed. The club will not be responsible for deliveries delayed if a signature is required.
No entry "For Exhibition Only" shall be accepted, except as provided for in Chapter 10 when Intro Program classes are offered. See additional note for club policy regarding dogs that measure up.
This event is sanctioned by the United States Dog Agility Association, Inc. ("USDAA").
This test is open to all persons with dogs being at least 18 months of age (14 months of age pursuant to Chapter 10 for Intro Program when offered), regardless of pedigree or absence thereof, who have a current registration with USDAA and whose owners and the dog's handler are currently in good standing with USDAA.
This event will be held under USDAA® Official Rules and Regulations, a copy of which may be viewed and printed online at www.usdaa.com.
The Organizing Committee of an event may refuse the entry of any competitor or dog for just cause should the Committee view that participation by the competitor or dog could be prejudicial to the sport. However, in such case, the Committee must notify the competitor in writing upon receipt of entry, but in no case, more than three days following the event closing date for acceptance of entries. The burden of responsibility for the appropriateness of such action rests solely with the host group and its Organizing Committee.
Any check or credit card that is charged back by the bank or other financial institution may be assessed a service charge of up to $40 per incident at the discretion of the host group.
Returned checks or credit card returns do not constitute a valid entry. Amounts shall be paid within 30 day of postmarked notice of the returned payment if such date follows the event date. Any fees not received within 30 days of notice will result in cancellation of event results for all classes related to the entry for which payment was made. No reinstatement of results is possible, and all awards must be returned within 10 days of notification or the dog's registration may be suspended pending restitution.
Any unpaid fees or shortfalls must be paid prior to the start of the event, or entry is canceled without recourse.
There shall be NO REFUNDS for entries withdrawn after the closing date for acceptance of entries, for absentee, dismissal from the event as a result of disciplinary action, dismissal from a class, or for any other reason. Also, no entry fees will be refunded if the event cannot open or be completed by reason of riots, civil disturbances, acts of terrorism, fire, "act of God", public emergency, strike, or any other cause beyond the control of the host organization.
There is a $30.00 service charge for returned checks. Payment of entry fees and service charges for returned checks shall be made in cash or money order before checking in at the event.
Withdrawal of a bitch that comes into season after the closing date is eligible for a 50% refund (vet letter not required.) Withdrawal due to injury or illness after the closing date is eligible for a 50% voucher for entry at future FRAT trials provided a veterinarian's letter is provided within one week of the trial. In such instances the secretary MUST be notified by phone or e-mail, no later than Thursday, March 7 at 8:00 a.m. False reports warrant refusal of entries at future FRAT trials. Any other withdrawals after the closing date will not be eligible for refund.
All entries or cancellations must be received at the Secretary's address no later than the closing date, after which time no entries will be accepted or cancelled. For entries received by the closing date, the level of entry into a given class may be advanced by notifying the Secretary in writing via email by the "Secondary Closing Date". No other changes, cancellations or additions may be made after the initial closing date.
To be accepted, entries must be complete, signed (by parent or legal guardian if handler is a minor), received by the closing date and accompanied by the correct fees and include a valid USDAA registration number on a completed registration form.
Competitors earning a qualification during the Event that is needed to complete a title may advance their level THE NEXT DAY at the same event, i.e. move-ups on consecutive days ARE allowed.
Competitors are responsible for keeping accurate records of their qualifying scores and the judges from whom these scores were earned prior to this event to ensure that the dog is eligible to move up based upon scores earned at this Event. Competitors are advised to confirm scores earned with the scorekeeper and judge at the conclusion of a class to ensure the qualifying score has been accurately calculated and awarded in accordance with regulations. If for any reason it is determined that the score or previous scores were inaccurate, making the entry ineligible for the higher level class, any results (including awards) shall be forfeited and the entry will be deemed invalid without refund or other recourse.
Move-up forms supplied by this event must be used to notify the secretary BEFORE she leaves the site the day on which you earn your title.
All dogs not jumping 26" in the Championship Program or 22" in the Performance Program must be measured unless they have a permanent USDAA or World Cynosport Dog Registration card or a temporary card with 3 signatures as required by the regulations, making the dog eligible for their jump height (prior to 3 years of age). When not enrolling electronically, please send a copy of one the following items to facilitate the check-in process:
COMPETITORS MUST CHECK-IN / HAVE DOGS MEASURED at the site during check in time on your first day of competition. Dogs not presented for check in at these times WILL NOT RUN!
Friday Check-In: 9:00-9:45 am Saturday & Sunday Check-In: 7:00-7:45 am
Judging times are listed in the Tentative Schedule. Please check your final confirmation for details.
Minimum Jump Height
(for dogs at least 8 years old)*
* Once a competitor has earned a qualifying score with a dog in a Veterans class, the dog is no longer eligible to enter that class in the Championship or Performance programs when a Veterans class is offered.
If a judge's measurement of a dog at check-in establishes that the dog is ineligible for the height class in which entered, the competitor may opt to run the dog in the lower jump height class "For Exhibition Only", and no awards or qualifying scores may be earned. The competitor may not change their entry from one program to another (e.g., from Championship to Performance).
No leads, collars, food, toys or other aids or devices shall be permitted on the course at any time, except as provided for in Chapter 10 when Intro Program classes are offered, or in Chapter 8 when Junior Handler Program classes are offered.
Competitors alone are responsible for the behavior of their dogs, children or guests. A competitor whose dogs, children or guests create unnecessary disturbances or repeatedly engage in unsafe or disruptive behavior may, at the discretion of the Event Organizing Committee, be asked to leave the test site.
In the event of a larger entry, fault limits may be set at the discretion of the Organizing Committee and/or Judge without pre-event notice.
Confirmations will be sent via email using the secretary's address. If you have a spam blocker on your email account, please configure it to allow email from the secretary's address since confirmations will be sent from this account.
One or more titling classes shall be held at this Event from those described in Chapters 3 - 8 of USDAA Official Rules & Regulations, which are downloadable from www.usdaa.com/rulesReg_eBook.cfm, and any amendments there to, which are downloadable from www.usdaa.com/rulesReg.cfm, each of which are hereby incorporated by reference.
One or more tournament classes are being held at this event, the rules and description of which may be downloaded on the Internet at www.usdaa.com/gen_formDoc.cfm, and are hereby incorporated by reference. A written copy may be obtained from the Event secretary.
The handler of a dog entered in Team or Versatility Pairs must notify the secretary immediately should their dog be required to jump a higher height by virtue of the judge's measurement. The dog must jump the higher jump height in order to be eligible to earn a qualifying score in the tournament. If entered in Team, the dog may not be moved to Versatility Pairs. If the handler chooses not to have their dog jump the higher height, their entry is effectively withdrawn. The competitor may or may not run for exhibition only (earning no qualifications) solely at the discretion of the event secretary; there shall be no refund of fees paid.
If the change in height makes the dog ineligible for their team (three jump heights), the secretary will make every effort to form complete teams from dogs available. A move-up in height for dogs in Versatility Pairs does not affect their team composition, but may result in a change in their position in the running order because of the height composition of the Pair.
Dogs entered as partners in pairs relay at this event may be combined without regard to jump height, i.e. a mini dog may be entered as a partner with an open dog. Any pair consisting of at least one open dog must qualify in accordance with the QCT set forth by the judge of record for Open Pairs AND will be considered an open pair for placement purposes.
Veterans level classes offered at this event are open to a competitor with any dog that is at least eight (8) years of age as of the first day of this event. Previous experience in the sport sufficient to establish proficiency and confidence in performance is strongly encouraged. Once a competitor has earned a qualifying score with a dog in a Veterans class, the dog is no longer eligible to enter that class in the Championship or Performance Programs when a Veterans class is offered. Complete program rules can be found at www.usdaa.com/rulesReg_eBook.cfm which are downloadable from www.usdaa.com/rulesReg.cfm
All dogs - regardless of level of competition - are eligible for entry in the Masters Challenge classes and to earn qualifying scores. These qualifying scores will remain on the dog's record and calculate toward Masters Challenge titles once the dog achieves the Masters Standard / Masters Performance Standard and Masters Jumpers / Masters Performance Jumpers titles.
Additionally, these dogs continue to be eligible for their appropriate level in the regular classes at all levels, unless stipulated otherwise in the Agility Test Schedule. Competitive placements in the Masters Challenge Standard and Jumpers classes accumulate points for annual ranking for Agility Top TenSM and Performance Top TenSM.
At both local and regional events, a qualifying score in the Masters Challenge Standard or Jumpers (Performance included) will make a dog eligible for entry in the 2013 Cynosport World Games Handlers Challenge Biathlon being offered for Championship and Performance. So that any dog may compete in this special Cynosport tournament, the Masters Challenge class rules have been modified to allow a dog at any level of competition to enter. Further details can be found at www.usdaa.com.
Standard and Non-standard Classes including Masters Challenge: Separate first through third place ribbons will be awarded for each jump height classification. Qualifying ribbons will be awarded to those dogs earning qualifying scores.
Pairs: Awards will be made to mini (Ch. 12/16, Perf. 8/12) and open (Ch 26/22, Perf. 16/22) divisions. Qualifying ribbons will be awarded to those dogs earning qualifying scores.
Biathlon Challenge: FRAT medals will be awarded to the Biathlon Challenge winner in each jump height (Championship & Performance).
Titles: Titling rosettes will be awarded to those dogs completing a title at the trial.
Grand Prix / Performance Grand Prix: Separate first through third place ribbons will be awarded for each jump height classification. Special Tournament Qualifying ribbons (overlay maroon and white) will be awarded to all qualifiers. In addition, the first place qualifying team in each height class will earn a regional bye voucher.Steeplechase/PSJ: Special Tournament Qualifying ribbons (overlay maroon and white) will be awarded to all qualifiers in Round 1. Details regarding prize money offered for Round 2 can be found in the class descriptions at the USDAA website.
Team / Versatility Pairs: All qualifying teams/pairs members will receive FRAT dog tags in recognition of their qualification. 1st, 2nd and 3rd place teams/pairs members will recieve FRAT medals for the respective TEAM/PVP placements.See class descriptions online for details.
Friday - Ring 1 - Dave HansonStart: 10:00 am
Team/Versatility Pairs GamblersTeam/Versatility Pairs StandardTeam/Versatility Pairs Relay
M/PIII/Vets Snooker*M/PIII/Vets StandardM/PIII/Vets GamblersGrand Prix/Perf Grand PrixS/PI StandardMasters Challenge/MC Perf Standard
Steeplechase/Perf Speed Jumping Round 2S/PI StandardA/PII GamblersS/PI GamblersA/PII JumpersS/PI Jumpers
*M/PIII/Vets Snooker height order will be random
I HEREBY GRANT TO USDAA and its affiliated companies, representatives, agents and assigns, all rights and permission to use or appropriate his/her and their dog's name, biography, likeness, photograph, voice, performing persona, or other indicia of identity for broadcast, telecast, cablecast, transmission or distribution in any format or media known now or in the future.
FURTHER, I HEREBY RELEASE United States Dog Agility Association, Inc. and its affiliates, representatives, agents and assigns from any claim or cause of action for invasion of the rights of privacy, right of publicity, right of personality, or any similar right.
Douglas County Animal Hospital 531 Jerry Road, Castle Rock, CO 80104 Phone: 303-688-2481
Skyridge Hospital 10101 Ridgegate Pkwy Lone Tree, CO 80124
IN CONSIDERATION OF the acceptance of this entry and the opportunity to participate and/or to be judged in the event on the dates to which this entry form applies (the "Event"),I AGREE TO HOLD HARMLESS each of the parties listed below (including each of their members, officers, directors, agents and employees), hereinafter collectively referred to as the "Event Organizers", from any claim for loss or injury that may be alleged to have been caused directly or indirectly to any person or thing by the act of myself or the dog listed on the entry form while in or upon the event premises or grounds or near any entrance thereto -
I FURTHER AGREE TO HOLD HARMLESS the Event Organizers from any claim for loss or injury of the dog listed on my entry form for the Event as a result of disappearance, theft, death or other act, whether such loss or injury is caused or alleged to be caused for any reason, including negligence.I ASSUME ALL RESPONSIBILITY AND LIABILITY FOR ANY CLAIMS REFERENCED IN THIS "GENERAL AGREEMENT", INCLUDING LEGAL FEES.
I ACKNOWLEDGE THAT I HAVE READ AND UNDERSTAND USDAA® Official Rules and Regulations and rules for competition (e.g., tournament rules) that relate to the Event, whether incorporated in this General Agreement by reference or as stipulated herein for the Event to which this entry form pertains.
I ACCEPT AND AGREE TO ABIDE BY any and all rulings of the Organizing Committee (and its members), the Event's Disciplinary Action Committee and/or USDAA relative to matters related to the Event.
I ACKNOWLEDGE, REPRESENT AND WARRANT that the information supplied by me in the entry form is correct and complete. If any portion of this information is found to be invalid or insufficient to establish the validity of my entry, such finding shall render my entry invalid in its entirety, for which there shall be no refund of fees paid or other recourse against the Event Organizers. Any acceptance of additional information or corrections to information after the closing date shall be at the sole discretion of the Event secretary.
I HEREBY REPRESENT AND WARRANT that I am the owner of the dog listed hereon, or that I have full authority from the dog's owner as their agent to enter the dog in competition and to assume their responsibilities for the care, custody and control of the dog for entry to the Event, and
I AGREE TO HOLD HARMLESS the Event Organizers listed in paragraph 1.1
from any liability or claims, including legal fees, related to such ownership or agency status.
COMPETITOR HEREBY GRANTS TO USDAA and its affiliated companies, representatives, agents and assigns, all rights and permission to use or appropriate his/her and their dog's name, biography, likeness, photograph, voice, performing persona, or other indicia of identity for broadcast, telecast, cablecast, transmission or distribution in any format or media known now or in the future.
FURTHER, COMPETITOR HEREBY RELEASES United States Dog Agility Association, Inc. and its affiliates, representatives, agents and assigns from any claim or cause of action for invasion of the rights of privacy, right of publicity, right of personality, or any similar right.
THROUGH MY PHYSICAL SIGNATURE ON THE PAPER ENTRY FORM, OR THROUGH MY SUBMISSION OF AN ELECTRONIC ENTRY TO THE EVENT, I ACKNOWLEDGE, ACCEPT AND AGREE TO ABIDE by the provisions of this General Agreement, and all policies, rules, regulations and conditions of entry to the Event
FURTHER, IF ENTRY IS FOR A MINOR, THROUGH MY PHYSICAL SIGNATURE ON THE PAPER ENTRY FORM, OR THROUGH MY SUBMISSION OF AN ELECTRONIC ENTRY TO THE EVENT, I REPRESENT AND WARRANT THAT I AM THE PARENT OR LEGAL GUARDIAN OF THE COMPETITOR/HANDLER entered in the Event, and I ACKNOWLEDGE that I have reviewed all provisions of this General Agreement, policies, rules, regulations, and conditions of entry to the Event with the Minor and I SHALL BE SOLELY RESPONSIBLE FOR THEIR ACTIONS AND COMPLIANCE WITH ALL RULES, REGULATIONS, POLICIES AND PROVISIONS FOR THE EVENT, AND ASSUME FULL LIABILITY FOR MINOR'S ACTIONS AND ACTIONS OF THEIR DOG.
PAIRS PARTNER INFORMATION: I've entered pairs as a draw. When selecting a partner for me, please do not select the following dogs:
1___________________________ 2__________________________ 3___________________________ 4__________________________
Entries must be RECEIVED by Friday, February 8 for Early Bird Special. $12 per Standard, Jumpers, Gamblers, Snooker, Pairs Relay, or Challenge class. (does not apply to GP/PGP, STP/PSJ, TEAM/PVP).
GENERAL AGREEMENT ACCEPTANCE: Through my signature, I declare that I have read USDAA Official Rules & Regulations and the General Agreement and Test Schedule provisions set forth for entry to this event, and I acknowledge that I understand and agree to abide by all such rules, regulations, policies and provisions stipulated therein, including any provisions incorporated by reference.
Signature:____________________________________________________ Date:___________________
Signature of Parent or
Legal Guardian, if a Minor:____________________________________________________ Date:___________________
Signature:__________________________________________________________ Date:__________________
Signature of Parent or
Legal Guardian, if a Minor:_____________________________________________ Date:__________________


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UCLA gastroenterologist Kevin Ghassemi, MD, discusses Eosinophilic Esophagitis (EoE), including symptoms, diagnosis, treatments and dietary considerations.
Eosinophilic Esophagitis (EoE) is an allergic inflammatory condition of the esophagus that in adults can cause difficulty swallowing, heartburn, vomiting, or abdominal and chest pain. In children, EoE symptoms can include poor growth, weight loss, a poor appetite or even refusing to eat.

subset: commoncrawl


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The last time the NBA All-Star Game was played in Houston in 2006, NBA commissioner David Stern says he was still in the relatively early stages of becoming comfortable with e-mail.
Today, in his final All-Star Weekend as commissioner, Stern and his designated successor, Adam Silver, preside over an empire of platforms that will include the traditional domestic game presentation of tonight's All-Star Game on TNT but also coverage on NBA TV, part of the league's NBA Digital joint venture with Turner Sports, and a suite of mobile and digital applications that will push tonight's game and other weekend events to 215 countries and territories in 47 languages.
"We're dealing with the growth digitally of everything we do," Stern said. "Globalization pulls us. Digital continues to pull us. There didn't used to be NBA TV, NBA.com, League Pass. Now NBA TV is in 60 million homes. The numbers are astonishing, and they will continue to grow on Adam's watch."
On the television front, the league will take advantage of the President's Day holiday to add a de facto additional day to All-Star Weekend. NBA TV's "All-Star Monday" will include a conversation between Michael Jordan and Ahmad Rashad to celebrate Jordan's 50th birthday, including the breakup of the Bulls' roster after the 1998 NBA Finals, his controversial Hall of Fame induction speech in 2009 and his comparison of Kobe Bryant and LeBron James based in part on NBA titles won.
Also coming Monday from NBA Entertainment will be "Mr. Russell's House," an interview featuring 11-time NBA champion Bill Russell and Grantland editor-in-chief and Boston sports fan Bill Simmons; and "Sir Charles at 50," a conversation between TNT analyst and Hall of Fame player Charles Barkley with TNT colleague Ernie Johnson.
Dion Cocoros, NBA Entertainment's vice president for original production, said the company is working on several projects for NBA TV, including a documentary that will air during the NBA Finals, and additional programs similar to the Jordan and Russell interviews to augment live games and studio shows on NBA TV.
He said the Rockets under Rudy Tomjanovich were among the first to cooperate with NBA Entertainment for the total access features that have now become more commonplace.
"NBA Entertainment had a great run with the Rockets," he said. "Rudy T was one of the first to let us behind the scenes.
Several of NBA Entertainment's more notable projects, including the Magic Johnson documentary "The Announcement" and "Once Brothers" on Yugoslav teammates Vlade Divac of Serbia and Drazen Petrovic of Croatia, whose friendship was ended by the Balkans war in the 1990s, have aired on ESPN. Cocoros said that collaboration will continue but added, "NBA TV will be the home of the best basketball stories we are able to tell."
One future project, for example, could be the Greg Popovich/David Robinson/Tim Duncan era with the Spurs.
"There's a great Spurs story to be told, but they're in the midst of their run," he said. "I would love to tell their story at some point."
On the NBA.com side, the league used the All-Star Game as the occasion to roll out NBA.com/Stats, a partnership with the software firm SAP that will feature every NBA box score dating back to the inaugural 1946-47 season, statistical pages for every NBA player, databases on top two- through five-man lineup combinations in NBA history and breakdowns on points per possession and other detailed statistical categories.
Christina Miller, general manager of NBA Digital and senior vice president of strategy, marketing and programming for Turner Sports, said the five-year NBA/Turner partnership is the only model that combines dot.com, television network and all digital products, including YouTube, social media and mobile, under the same umbrella.
NBA.com, for example, aired 20 hours of live streaming content during All-Star Weekend, and the NBA All-Star mobile application allows users to vote for Saturday night competition winners and Sunday's All-Star Game MVP.
"Some of the best content that we have comes from NBA Entertainment, and some comes from Turner Sports," she said. "It's about getting the best content, and together we do better than we do apart. It brings our core competencies together to showcase them better than we could possibly imagine."
Scooter Vertino, a longtime Turner Sports producer who is NBA Digital's vice president for content, said Turner and NBA Entertainment interact daily on features and news elements to supplement NBA TV's diet of 96 regular-season games and six to nine playoff games.
"We're all basketball junkies," he said. "We have that common ground."


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There is much confusion about when to replace your eye makeup as different materials have different amounts of time they are good for. Most makeup is good for about 3-6 months. So, like many other things in life, makeup presents us with a use it or lose it situation. Is it time to replace your Makeup? Here is a simple guide to help you know when to throw what out.
Mascara-Most health experts suggest replacing your mascara every 3 months. Mascara is a favorite breeding ground for many different types of bacteria. They originate from our eyelashes and get caught on your brush, and find the wet, sticky surface of mascara a decent breeding ground, unlike our eyelashes, which also have good bacteria that keep them at bay. This is a common item I always keep on hand for Mary Kay orders, which comes in three types:
Ultimate Mascara -For longer looking lashes that lasts all day with up to five times the volume. ($15)
Lash Lengthening Mascara – Delivers longer-looking , and thicker looking lashes ($10)
Waterproof Mascara – Made with a derivative of vitamin B for stronger looking, softer feeling lashes ($10)
Pencil Eyeliners– These items last anywhere from 3-6 months, because they come in contact with our eyes and have a slightly moist environment for bacteria. Health experts also recommend not using eyeliner on the inner rims of eyelids, as this is creating more and more health problems for people. Mary Kay offers 8 varieties of pencil eyeliner colors that give you waterproof, smudge resistant, and fade resistant wear.
Eyeliner Pencils – (8 Different Colors) $10
Liquid Eyeliner – (Black only) $11
Eye Color– This type of make up also needs to be replaced about once every 3-6 months, since they are dealing with the eye area. Liquid eye makeup can be replaced after a year of use if dispensed from a tube, such as Mary Kay Eyecicles Eye Color. Be sure to replace your eye brushes as well, unless you clean them.
Mineral Eye Color – $6.50 a color
Eyecicles Eye Color – This wonderful product goes on in liquid form for ease of application and dries to powder for maximum comfort and smudge resistance. ($10)
Have happy, healty eyes, ~HealthyGirl
As always, I offer free samples, free shipping ,and free gift with purchase!
For Ordering, Please visit www.marykay.com/DestinyKeller


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Kim and the Crazy Quilt
June 15 2012 at 8:54 AM
The Frugalista Files
or How Kim Went Crazy Trying to Learn Something New...
First of all - let me say that all the women involved are doing this for free and extremely kind and gracious.
am the crazy on in this story AND I KNOW IT!
My whole goal was to learn really nice surface embroidery so that I could do embroidered pictures or the kind of pictures that have different kinds of fabric in them, but they look like something.
I have a lot of embroidery experience and I would say my skill is past beginner for most basic stitches. I gave it up for a long time, though, so I haven't got a lot of stuff and kind of don't want a lot, either. I've got a couple hoops in different sizes and I buy floss as needed for a project then use it up in small 'use it up' projects like little Swedish huck weaving bags.
I do have a lot of thread and strings in white and a pale taupe that I am beginning to dye for a bit of selection.
I am trapped in the 70's (I guess) and the only cotton I have in the house is white or unbleached muslin. I never sew with cotton. I haven't since my kids were little and I was making their own clothes.
The only quilting I ever did was with my grandma. Grandma S. (sigh) She was.... uhhh... :-/ What does a person say about Grandma Olive... She was very happy with herself and her life. She liked quilting and sewing clothes for international orphans. The clothes were made of Fortrel (sp?) so they are probably still around somewhere... not worn out... just like all the clothes she made for me when I was a kid. Anyway- she was tone deaf, but liked to sing and had no sense of colour, but liked to quilt!
I spent a lot of summers being her slave monkey tying off quilts for her. She couldn't quite be convinced that the Great Depression was over and she could teach the VERY cheapest among us a thing or two about saving a penny. AND I MEAN A PENNY. She had a drawer full of short elastic and she would just rifle through it to find a piece when making orphan clothes for example. She never used a seam ripper. She used an old razor blade that was too dull for other things and when it wouldn't cut anymore she would resharpen it.... :-P
Anyway- that was a diverting side trip.
As you all know I've been feeling... menopausal? Sad? Something? And I think when you feel like that it is good to learn something new. SO I've been on this list for a year and I've done a couple things with them and THOUGHT that I would be able to learn some things that would help me in my future crazy quilting needlework goals.
The way the classes are run is HIGHLY organized. You get one lesson at a time and you can't go on until your mentor is satisfied that it is correct. Crazy quilting is a little bit subjective, but they are teaching you the rigid rules before you branch off and do your own thing. I see their point.
I have had one mentor with them. She was from the same province as I am, similar age, same job and when I say I can't get something she believes me. We just really clicked and I was happy that I got her again. I had a couple things made, she said they were correct then I got a call from the organizer (yes... she calls!) and she said my mentor had an emergency and she was going to have to send me to someone else... who just happens to be her best friend...
My new mentor is a wonderful person (I'm sure) but I kind of got dumped on her. Then I was told everything I had done was WRONG and had to start over.
So I started over and I just felt very pecked to death! I
don't know how the hell to chose a focus fabric or a theme! A THEME! It is a $^%&$# thread roll up. There is no theme...
My insanity creeped to the top there... sorry...
So now I've gotten as far as the actual embroidery and I still hate it. I might even hate it more. I have templates that I have to use for the stitches. I am now on the seam treatment portion of the lesson. I have to put all the stitches together on lines or seams and prove knowledge. It is a list of 13 stitches. When I am done that I have to photocopy or trace my block and show her what I would do on my actual block and the colours I would use.
And trust me - she won't like the colours that I pick and I'm sure she is right. I've never done anything like this before and I swear I will NEVER do anything like this again. I think my mentor is used to being gushed over a little more than I ever would, too. I have been carefully neutral whenever she asks me if I like what I'm doing or enjoying it. A couple days ago I was very honest and told her exactly how I feel and she wrote back saying she hates it when she has artistic block, too. That is not it! It is not artistic block. It is that I HATE IT.
So - reasons not to quit: I've put a
of money into this stupid project and I need to finish before I can do anything else. There is nowhere locally to learn this and they really are everywhere on the internet. These women really ARE knowledgeable and I could learn a lot from them if I had a better attitude.
Respond to this message
- Trina on Jun 15, 2012, 9:14 AM
Ditto Trina!
- Tnetter on Jun 15, 2012, 9:50 AM
If you are on any quilting board
- Kim on Jun 15, 2012, 10:20 AM
Can you send me a photo?
- Tnetter on Jun 16, 2012, 9:04 AM
Tnetter- I wrote you nt
- Kim on Jun 17, 2012, 3:05 PM
I'm on my way out the door but will look when I get back. nt
- Tnetter on Jun 18, 2012, 5:55 AM
that sure doesn't sound like fun
- Sandy in NJ on Jun 15, 2012, 11:17 AM
LOL, my gr grandmother made some of those
- Tnetter on Jun 16, 2012, 9:05 AM
You want to know my first thought on this
- CC on Jun 15, 2012, 11:31 AM
I agree with CC, BUT....
- Maxine on Jun 15, 2012, 4:30 PM
Well... :-/
- Kim on Jun 15, 2012, 6:36 PM
Get out while the gettin's good
- Penny in FL on Jun 15, 2012, 1:47 PM
Another perspective
- BethannM on Jun 15, 2012, 7:13 PM
It's not about them
- Kim on Jun 15, 2012, 7:24 PM
then maybe the question is
- Myra on Jun 16, 2012, 5:50 AM
Kim-hobbies are suppose to be FUN!
- sheila on Jun 16, 2012, 12:32 PM
I would love to learn to do a crazy quilt
- glenda on Jun 17, 2012, 2:58 PM
"I would love to learn to do a crazy quilt"
- Kim on Jun 17, 2012, 3:06 PM
I should tell you about my crazy quilt tea cosy
- patsy on Jun 17, 2012, 5:18 PM
Kinda funny that Crazy Quilting is driving you Crazy!
- mj on Jun 17, 2012, 6:00 PM
And NOW.... the conclusion of Kim and the Crazy Quilt....
- Kim on Jun 17, 2012, 8:43 PM
do you feel relieved?
- BethannM on Jun 17, 2012, 9:10 PM
Anti-climatic can be good:>
- Trina on Jun 17, 2012, 9:55 PM
That sounds better !
- mj on Jun 18, 2012, 5:48 AM
Would I be interested in going to an assisted living facility...
- Kim on Jun 18, 2012, 8:29 AM
That sounds like a good resolution
- Tnetter on Jun 18, 2012, 5:56 AM


text:
Ruthenium: historical information
Ruthenium: historical information
Ruthenium was isolated in 1844 by Karl Karlovich Klaus, who obtained ruthenium from the part of crude platinum that is insoluble in aqua regia. It is possible that a Polish chemist Jedrzej Sniadecki had in fact isolated ruthenium from some platinum ores rather earlier than this in 1807 but his work was not ratified, apparently as he withdrew his claims. He called it vestium.
WebElements chemistry shop
You can buy periodic table posters, mugs, T-shirts, periodic table fridge magnets, games, molecular models, and more at the WebElements periodic table shop


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|Seal - Human Being
|Music Disc Reviews Audio CD
|Written by Jason Karsh
|Tuesday, 17 November 1998
Warner Bros. Records
| Performance 8.5 | Sound 9 |
With quality albums by talented artists, there really isn't much to say other than, 'buy this and be happy.' And, if you are a fan of Seal's past work, that is all that needs to be said here. 'Human Being' is another great album from one of the great talents today has to offer. However, if you are unfamiliar with Seal and what he can do, perhaps you'll need a little motivation before you pull the trigger on Seal's third album. Therefore, here are five.
One, Seal may take his time putting out an album (his second album was released in 1994), but when he does it is, tight, concise, and timely. Two, this album is recorded, mixed, and mastered to almost reference quality. Three, he hasn't been called the second-coming of Marvin Gaye and the male Sade for no reason. Four, he preceded both Maxwell and D'Angelo and, while all their styles may vary, R&B and certainly pop wouldn't have been ready for the latter without the former. Five, Seal continually shows growth and maturity with every album he's put out; 'Human Being' is being released seven years after his debut. We could go on, yet, you only needed a little motivation to buy this album, right?


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Do you have a loved one with Alzheimer's or another kind of dementia? If so, you may be interested to know that music might be able to connect you with your family member in a way that words cannot.

Many research studies, as well as anecdotal evidence, have cited situations where music has been able to evoke a response or a memory in people with Alzheimer's. For example, your mother may have difficulty finding the right words to use but be able to sing an entire song with no problem.

One research project studied people with Alzheimer's and found that their memory for music was not affected by the disease: They performed similarly to those without Alzheimer's in recognizing songs and lyrics. Although that's certainly not true for everyone with dementia, I've seen numerous people who could play complete songs on the piano or sing every word to an older song, even as they were well into the middle stages of Alzheimer's and could not remember the names of family members.

These lasting memories of music are likely an important factor in understanding why its use to treat and interact with those who have dementia can be beneficial. Research studies have demonstrated that music is an effective way to provide meaningful activities, reduce challenging behaviors, and decrease feelings of anxiety and depression in Alzheimer's. Many of us enjoy and benefit from listening to music, and this often does not change after someone develops Alzheimer's.

Music in Early Stage Alzheimer's

In the early stages of Alzheimer's, many people enjoy playing music or singing. Encourage them to continue to be involved in music; it may be an area in which they can feel success and accomplishment, and be encouraged by its beauty.

You can also make compilation recordings of their favorite songs, which are often songs or music that date back to their younger and middle years. Some older adults may have strong spiritual beliefs and will appreciate songs of faith.

(See: 10 Faith-Based Activities for People with Dementia.)

Music in Middle Stage Alzheimer's

Some people in the middle stages of Alzheimer's can continue to play the piano (or whichever instrument they may have played) well, and benefit from it. Others may become frustrated when they forget the chord or can't read the music.

In the middle stages, when behaviors can sometimes be challenging, music is an often-effective way to distract someone. A nurse aide that I know, for example, almost always sings a song with the person she's helping while they walk together. The person walks farther because he's singing along, and has a more enjoyable time getting his daily exercises accomplished.

Music may also be beneficial to mood and sleep patterns for people with Alzheimer's. A study published in the journal Alternative Therapies in Health and Medicine was conducted with 20 male residents who had a diagnosis of probable Alzheimer's at a nursing home. These men participated in music therapy five times a week for four weeks. Following the four weeks, their melatonin levels were tested and had significantly increased—and remained elevated even six weeks after the conclusion of the music therapy programming. (Melatonin is a hormone that helps regulate sleep cycles. Some people living with dementia take supplemental melatonin to aid them in sleeping better at night.) Therapists also noted that the men demonstrated an improved ability to learn the songs and lyrics, increased social interaction, and a more relaxed and calm mood.

Music in Late Stage Alzheimer's

In the later stages of Alzheimer's, music is often used as a way to connect with a loved one and evoke a response. People may enjoy listening to the recordings you made in the earlier stages of dementia of their favorite songs.

Familiar music may be able to calm someone who's restless or uncomfortable in the end stages of life. Some people with severe Alzheimer's will mouth the words of a familiar song upon hearing it, and visibly relax and rest in the midst of music.

Sources:

Alternative Therapies in Health and Medicine. 6 (Nov 1999): 49-57. Music therapy increases serum melatonin levels in patients with Alzheimer's disease. http://www.alternative-therapies.com/index.cfm/fuseaction/archives.main

Alzheimer's Association. Music, Art and Alzheimer's. http://www.alz.org/care/alzheimers-dementia-music-art-therapy.asp#music

Alzheimer's Foundation of America. Education and Care: Music. http://www.alzfdn.org/EducationandCare/musictherapy.html

Boston University. Music Boosts Memory in Alzheimer's. http://www.bu.edu/today/2010/music-boosts-memory-in-alzheimer%E2%80%99s/

Medical Hypotheses. Music, memory, and Alzheimer's disease: is music recognition spared in dementia, and how can it be assessed? http://www.ncbi.nlm.nih.gov/pubmed/15607545

Neuropsychology Review. Memory for music in Alzheimer's disease: unforgettable? http://www.ncbi.nlm.nih.gov/pubmed/19214750


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The time period over which equal payments would pay off your debt. This is usually 25 years.
Annual Percentage Rate - APR
An interest that is proportional to the cost as a yearly rate. This rate is calculated based on any points and fees and is based on the loan going to its full-term.
Governments broker rates to make it affordable
A contract between buyer and seller where the buyer assumes responsibility for the seller's existing mortgage. This agreement usually saves the buyer money because closing cost and the current rate don't apply.
Payments that consist of both a principal and an interest component, paid on a regular basis during the term of your loan.
Check out Conversion rates for Seniors
Buy down
A way of lowering the buyer's monthly payments for a short period. The lender subsidizes mortgage by lowering the interest rate for the first couple of years of a loan.
A limit of the amount of the interest or monthly payments for an ARM that may change.
Closed Mortgage
An agreement with your broker that can not be prepaid or refinanced before reaches maturity, unless terms say so.
Closing or settlement is the meeting at the conclusion of a real estate sale in which the property and money are traded between the two parties involved.
Conventional Mortgages
Not greater than 75% of the purchase price of the home. If it exceeds this limit must be insured against default, and are called high-ratio mortgages
Debt to Income Ratio
Is ratio expressed as a percentage, that is calculated from dividing a borrower's monthly payments on long term debts by the borrower's gross monthly income.
Discount Points
Prepaid interest calculated at closing by the lender.
Down Payment
Cash paid by the borrower at closing that is the difference between home purchase price and the mortgage.
Earnest Money
Funds given by a buyer to a seller as a deposit to commit the buyer to the home purchase. It is subtracted from closing costs.
The value that owner has in real estate over the obligation against the property. Equity is a calculated fair market value minus the current debt amount.
Money given to another party that will be held to cover payments such as tax or insurance payments and earnest money deposit.
Fixed Rate Mortgage
Rate remains constant throughout the life of the loan. Check with our lead to find a 30 year fixed rate broker.
A legal process where the lender obtains ownership of the property after the borrower has defaulted on payments.
Loan to Value Ratio
The ratio between the loan and the assessed value of the property.
Market Value
The price that a property could possibly be worth in the marketplace.
Insurance that protects lender or broker against loss if a borrower defaults. This is required when the loan to value ratio is large.
Origination Fee
A fee charged by a lender for loan application paperwork.
Payment Frequency
The option of making regular payments every week, bi-weekly, twice a month or monthly.
Means Principal, Interest, Tax and Insurance.
The duration of the current agreement. It could be amortized over a long period with a shorter term. When the term expires, the balance of the principal owed can be repaid or a new agreement can be entered into at the then current interest rate.
The reviewing process of granting a loan to a potential homebuyer.
Variable Rate Mortgage
A loan in which the interest is adjusted periodically based on a pre selected calculator value.
No closing cost refinancing is a type of
financing whereby the borrower is not required to pay any of the
normal closing costs associated with obtaining new mortgages.
Fees when obtaining loan origination, appraisal,
credit report, attorney, title fees. In the case of a no cost
refinance, the lender will pay these fees but will charge the
borrower a higher rate of interest for the life of the loan.
The no cost refinance makes sense if you only plan on keeping the mortgage for couple of years. Generally it is better pay the closing costs and obtain a low rate.
If you refinancing to get cash out, means you are
essentially refinacing loan to a greater amount and keeping the
difference in cash. You can actually lower your payment and pay off
other debts with cash, depending on your current rate, as well as
lower your monthly payments with a cash out refinance.
A home equity loan is a loan that you can get to access your equity. It is also referred to as a second mortgage and lets you quickly get cash for your equity without having to refinance. A home equity line of credit is like a credit card except but uses your house equity to cover bad credit.
If you use the equity in your home to consolidate debt, you only lower the rate, you do not reduce the amount or your debt. If you increase monthly cash flow with consolidating, consider paying down your debt or saving and investing. You also could consider home improvement financing.
If you have to borrow money, home equity loan could be a great source of credit. It would provide you with a
large amount of cash at relatively low interest and with some tax advantages not available with other kinds of loans.
However, with home equity lines of credit you have to use your home as collateral for the loan. This could put your house at high risk if can not make your monthly payments. Loans and a large final payment may force you to borrow even more money to pay off the debt, or they could put your house at high risk if you do not qualify for refinancing. If you sell your house, townhouse, mobile home, manufactured home or a condominium most plans will require you to pay off your line of bad credit at that time. Because home equity loans give you easy and quick cash, you might end up borrowing more money more then you can afford. Mobile home broker rates are usually different then one for a house or a manufactured home refinance rate.
There are other ways to borrow money from a lending institutions, such as installment loans. This loan plans places an additional mortgage on your home, but money is usually loaned in a one lump sum. Second mortgage usually has fixed rates and fixed payments.
You should also look into borrowing from a line of credit that does not use your home as collateral. Examples are credit cards or loans for specific items, such as cars or tuition.
Refinancing information is available
from many different sources. Before they apply, borrowers will
often research online on their own looking for free lead, helpful
tips on how to refinance mortgage, or they may contact real estate
brokers or loan officers seeking home refinance tips. If you want
to make sure you are getting the current best rate, check
with multiple lenders from our comparison table. Spending couple of
extra minutes filling several applications could end up saving you
thousands of dollars when you decide to refinance.
A broker or loan officer is still the most sought after information bank in the real estate market. The explosion of content on the internet has caused much of the borrowing market to look elsewhere for advice on cheap refinance information. Even with the introduction of the internet, seminars, and literature on equity information, the specialists should handle your finances.
Many of these online home loan lenders or brokers do allow the borrower to handle their own deals; however this can get them in trouble late in the transaction. A broker or loan officer is aware of all the documentation needed to submit a file and can predict what the lender will and will not look at in the loan. Often times, borrowers are unable to provide certain documentation and the loan is declined or canceled.
This is why brokers are essential to the transaction. Broker company or a lender (be it for FHA, VA...) already have established real estate connections and can get the deal done. The best thing for a borrower to do is, pay a little extra for a broker company and leave the labor of completing the real estate transaction to them.
If you clearly understand reasons to refinance, it will help you choose a loan that will meet all your financial goals. Here are some reasons:
Reducing by 1/2 to 3/4 % will lower your payments. Otherwise you will be paying too much for every loan payment.
One way your payment will be low is if you simply refinance at a low interest. You can try to change terms to lower your payments. Getting a 30 year term instead of 15 year one can significantly lower your payments. If long-term savings is what interests you more, if refinance from a 30 year to a 15 year plan, it may save you thousands over the life of your loan. Another way to lower your payments is if you switch from a plan with principal and interest payments to a plan with interest only home loan payments.
Home equity is a in a way a savings account that you could access with cash-out refinance. You could finance a home improvement that will increase the value of your home, or pay for schooling or pay off high interest CC debt.
The difference between credit card debt and a mortgage could mean thousands of dollars. CC debt is compounded and mortgage loan rates are simple, and usually tax deductible. Equity can be used for home purchases can save you money in interest in the long run instead of using credit cards.
If you plan on living in your home for only couple of years, paying a higher rate for a long term fixed rate will cost you money. Try refinancing to an Adjustable Rate and pay a much lower amount each month.
If you have an ARM and plan to live in your home longer than couple of years it would be a good move to convert to a fixed rate loan.
Mortgage Amortization
How much money can I borrow with home equity line of credit?
Depending on your income, credit history, and the amount of your debt, and if you refinace home equity lenders could lend you up to 80% of value of your home less the amount owed on your debt.
Is refinancing the right option for me?
Look at your financing related goals: are you looking to improve your monthly cash flow, reduce your term, do you need to take out cash utilizing the equity from your home? Obtaining the right loan for your particular needs could make sense even when rates are not at their lowest levels. First identify your goal and contact a professional for suggestions on lending programs that would help you meet your objectives. Then shop for rates after you have selected the appropriate program.
Will my interest for second mortgage change?
If your loan is fixed-rate, the rate is set for the duration of the loan. Many lenders will offer variable rate mortgages, and these can provide for periodic interest changes. If your contract lets your lender adjust the rate, make sure to understand when exactly can the lender change the interest and if there are any limitations on how much the rate can change.
What is an interest only home loan?
An interest only loan with which you can just pay the interest or the interest and portion of the principal whenever you want during the pre designated amount of time. These loans can be 20-year fixed or ARM. Check our bad credit home loan calculator to get a free online lending quote for interest only adjustable rate best loan.
What is a broker?
Mortgage brokers or a home finance company is like independent insurance agents. They have access to lenders, lead you to many different programs and could give you a free quote. In some cases, especially where credit is not poor, and non conforming property is involved, a broker can help find funding for you.
What is the best way to find lenders?
It is a good idea to contact at least three to five lenders or even a bank for input on programs and best rates. You can do all of your shopping on-line or by phone. If there are any usual twists to your scenario, it is best to disclose as much information up front as possible to be certain you are making an "apples to apples" best home rates comparison amongst lenders. When making low interest refinancing rates comparison you must be sure to compare lowest rate of similar terms. Or maybe you qualify for FHA or VA loans.
What can home equity credit line do for me?
If you need to borrow money, home equity lines just could be a great source of cash. It would provide you with a large amount of cash at relatively low rates and with some tax advantages not available with other kinds of loans.
Will the lender require a fee to lock in my home interest?
For a traditional 30-90 day rate lock, the lender will not require the borrower to pay a lock fee, but for the privilege of locking for a period beyond 90 days they may. Some lenders allow borrowers to lock and then float the rate down one time during the cheap mortgage process, typically a borrower is required to bring in a fee of ½-1% of the amount which is then credited (or refunded) to them at closing. It is a lock fee the lender requires to insure the transaction will in fact close. Sometimes you may even end up with a rate close to the prime lending rate.
If I lock my rate and rates go down, will the lender give me the current lowest rate?
It depends on the lender involved, prime rate and how much rate declined. Some lenders may re-price the debt at a rate closer to market if there has been a substantial rates decline and some may prefer that a mortgage is canceled rather than re-price it at a current market rate. Some lenders allow borrowers to lock and float the rate down one time during the process, generally a borrower is required to bring in a fee of 0.5-1% of the amount which is then credited or refunded to them at closing time. It is a lock fee the lender will require to insure the transaction will in fact close.
How do I choose a second mortgage lender?
If you are looking for a lender, make comparisons between them. Look for rates, and origination fees, closing costs and repayment terms. Check with your local banks, credit unions and finance companies.
How do I calculate home payments
Easiest was to calculate your rates and payments is to get a best refinance rate comparison check with one of our featured lenders or use our payment calculator above.
What is a super jumbo mortgage and how much higher is the interest?
Usually super jumbo exceeds $650,000. It generally has a rate 0.25% higher than average jumbo mortgage.
What paperwork will the lender need to process my mortgage?
The answer depends if you have poor credit and the amount of equity you have in your property. On a typical fully documented application (where an applicant is seeking to qualify based on an employee's salary), the lender will require: one month's current pay stubs, W-2's for the prior two years and bank and investment account statements for the prior 2-3 months. If an applicant is self-employed then additional documentation could be required.
Is it possible to reduce my closing costs?
If you are refinancing, you could reduce some costs by asking your lender about them. Example: your lender could use your last home appraisal or your other credit reports or even recertify old documents for cheaper than getting new documents. Or trying looking into no closing cost refinance.
What are Mortgage Points?
Also known as discount points, they are fees the borrower pays the lender to lower the interest. Points are expressed as a percentage of the loan. Lenders charge points that are basically finance charges, to make a profit and borrowers buy points to lower their refinance rates and payments.
Is it a good idea to pay points for lower rates?
If you are refinancing or financing, paying points is not always the ideal option. Points paid for refinancing can be deducted only in small amounts from your taxes, so it could take couple of years before you benefit from a lower rate.
How long will I have to repay the second mortgage?
Some 2nd mortgage loans could go for 20 years and some could require repayment in same year. You should discuss the repayment terms with lenders and pick one who offers the best terms for your needs.
What is a prepayment penalty and is it generally advisable to get it?
A prepayment penalty allows the lender to charge a borrower additional interest, typically six months worth, when a it is repaid during the penalty period, which is usually somewhere in the first three to five years of the mortgage. If it does have a prepayment penalty, this is clearly stated within the disclosures or prepayment penalty rider to the note. The advantage of taking a mortgage with a prepayment penalty is that it could carry a lower rate of interest or you may be permitted to take a it without paying for non-recurring closing costs. Will the lender require an appraisal of the property? If so, will I receive a copy of it?
Yes, the property is the collateral, therefore an appraisal is almost always required and if a borrower pays for the appraisal he or she is definitely entitled to receive a copy of it.
Can I avoid having to buy mortgage insurance?
Borrowers who have less than 20% equity in their home, can choose a mix of first and second mortgage (piggyback) to avoid insurance. The most common method of financing without insurance is to get 80% 1st mortgage, 10% 2nd and 10% equity.
What is the difference between 0 point and no cost mortgage?
With no cost mortgage, a borrower has accepted a higher rates, with the trade off that the lender or broker will pay for all their non-recurring no closing costs or at no charge. With 0 point mortgage, a borrower has opted not to pay points to buy their rates down but will still be paying for their base closing costs.
What is private insurance?
This is a special type of insurance that protects the lender if you default on your loan. It makes it possible for you to buy a home with as little as 3-5 % down payment.
What is a reverse mortgage?
A 2nd or reverse mortgage is the second loan against a house, manufactured or mobile home. It lets you borrow money against the left equity in your home. The maximum amount is determined as follows: (Appraised value of your house x a set percentage) - existing balance. You also may want to consider getting a home improvement financing loan.
What is a home equity line of credit?
It is a secured line of credit that lets you take advantage of the equity you have built up in your home. Home equity loan rate (lines of credit) are generally much lower than a credit card, and the interest is even sometimes tax deductible.
Your mortgage will probably be the longest loan you ever have you may be paying it for as much as 30 years! This period is called the 'amortization' period. It indicates the total of time it'll take to pay off the loan, presuming you make all payments in full and punctually. In general, the shorter your amortization, the less you pay in interest costs over the life of your mortgage. If you amortize your mortgage over 15 years instead of 25 you may be able to save thousands of dollars in interest costs. Good deal? Typically. The only challenge is if you may be able to afford the larger payments. A shorter amortization will generally translate as higher payments because you're paying off the loan more quickly. Typically, you may want to try to pay the highest payment what is comfortable for your family, but still leaves you the capability to save for a rainy day.Mortgage Term
As vital as amortization is the current 'term' of the mortgage. This is the total of time for the current conditions of the mortgage, as well as the interest (whether locked in or variable) and the lender. In most cases, while many aspects of your mortgage might be changeable throughout its 'term', the interest and lender aren't. If you want to move your mortgage to another lender (for a better deal, for instance) you can probably pay a penalty. Mortgage terms may be as short as 6 months, or as long as 10 years. Usually, the longer the term of the contract, the more it'll cost you. Most lenders will think about a longer term to be higher risk to them after all, interest could go up and that means your mortgage might not be as profitable. Longer term mortgages will typically come with the highest interest rates. Also, lenders want to ensure that you stay with them after all, they're making money from your business. The term covers them in two ways: they insure that they make their money and that their clientele is 'stable'.Interest Rates
A vital aspect of your mortgage is the interest. This rate is negotiated for a time period from 6 months to as long as 10 years. This time period is the period over what you can pay the agreed interest rate. The lower your interest, the less you pay in interest costs over the life of the loan. This may also save you thousands of dollars, particularly on the mortgages you negotiate when you 1st purchase your property. When you 1st purchase your property the total of your debt will be the biggest it'll ever be. now, the most of your payments will be interest charges and a smaller total will be used to decrease the 'principal' (which is the total of money borrowed.) so, the lower your interest, the less you're paying on this big sum of money and the more money you save in the long run. How do you get the best interest? Shop around. make sure to negotiate. Your business is the lifeblood of a lender remember that you're going to make them money. While they might want you to think that they're doing you a favor, in reality you're doing them a favor as long as you're paying off your debt as you should! A final word on interest: lenders 'stack' the deck in their own favor. Any rate they're willing to charge is at a level at what they believe they'll make money. This is certainly not a charity business. Now, if you 'lock in' your interest for 5 years you can probably pay more for your mortgage. Why? Because they want to ensure that they'll make money if rates go up. , anything what you do to decrease your risk (like locking in payments), you may be able to expect to pay more for because you increase risk to the lender. But, if you're willing to accept some risk at your end (particularly if you have a stable job and a good credit history) you're nearly generally better off with variable rate mortgage. This kind of mortgage lets the interest you pay to fluctuate with the market. While this sounds risky, it really lets you many of freedom and nearly generally saves you money, for two reasons: 1. The interest charged on variable rate mortgages are typically less than any 'locked in' rate 2. If the rates appear like they'll go up you may be able to usually switch to a 'locked in' interest at no penalty. In other words, you can not lose with the variable rate kind of mortgage (as long as you may be able to switch without penalty).
You have found the house of your dreams. It is inside your budget. Your monthly payment is exactly what you'd want. You're prepared to sign the papers and take possession. Have you budgeted for closing costs? Some lenders attempt to assist you prepare for closing costs by giving you a "Good Faith Estimate" of these expenses. You might get such a announcement now, but they're only needed to mail it to you inside three business days of application. Because your lender does this, you might assume that all the closing costs are with the lender. Do not be misled by the lender's try to give you with a service! The lender is only preparing an estimate of the costs you might incur when purchasing or refinancing. The lender is not needed to get you a complete list of all the costs that you might face above and beyond the buy price of your home. Nor does the lender really know what all those costs may be. As a result, you may want to generally anticipate that the real costs are going to be more than the estimate. For instance, are you purchasing a newly built home? Have you considered the costs to putting up window coverings as part of your closing costs? Having bought brand new homes more than once, it's certainly something to keep in mind if you want many privacy in your home in the 1st not many days of moving in. This is one closing cost that no one will tell you about! But, your lender will have to release all the closing costs that they usually charge, if they can not guess the other charges that you may meet. You may be looking at a large range of closing costs from your lender, including: * Loan Origination Fee: This fee is typically known as a loan origination fee but on occasion is called a "point" or "points." It covers the lender's administrative costs in processing the loan. Often expressed as a percentage of the loan, the fee will differ among lenders. Usually, the customer pays the fee, unless otherwise negotiated. * Loan Discount: Also often called "points" or "discount points," a loan discount is a one time charge imposed by the broker to lower the rate at what the lender or broker could otherwise offer the loan to you. Each "point" equals to one percent of the total. As an example, if a lender charges two points on an $80,000 loan this amounts to a charge of $1,600. * Assessment Fee: This charge pays for an assessment report made by an appraiser. Credit Report Fee: This fee covers the cost of a credit report, what shows your credit history. The lender uses the info in a credit report to help choose if or not to support your loan and how much money to lend you. Lender's Inspection Fee: This charge covers inspections, often of newly constructed housing, made by employees of your lender or by an outside inspector. Application Fee: This fee covers the processing of an application for insurance. Assumption Fee: This is a fee that's charged when a customer "assumes" or takes over the duty to pay the seller's present loan. Broker Fee: Fees paid to brokers could be listed here. A CLO fee could also be listed here. While not all of these fees will apply in every situation, you may want to be prepared for many money to be going directly to your lender in fees. In many cases, you may be able to have these fees included in the total of the debt, what can save you from many financial pain on closing. In general, there are two broad groups of closing costs. Non recurring closing costs are things that are paid once and you never pay again. Recurring closing costs are things you pay time and again over the course of home ownership, like property taxes and homeowner's insurance. You may wonder why property taxes could be part of closing costs. Well, in most regions, property taxes are really paid in advance. that means that the last owner will have paid many of the property tax that you can owe once you take possession. Part of your closing cost will be to refund the property taxes paid on your behalf, to the last owner. Also to the closing costs charged by your lender, there are also costs related with using a real estate broker. If you have sold a property using an broker, the agent's fees will be paid out of the proceeds of your home, and will be paid on closing. Other fees will be related with your lawyer. For instance, you can probably pay for a title search. You will also pay for document preparation and other fees related with the lawyer's involvement in your buy or sale. Also, the lawyer will be needed to ensure that certain government fees are paid; you will reimburse the lawyer for these fees if the lawyer pays them for you. In general, you may want to be budgeting in the range of 2-3% of the value of your new home for closing costs of varying kinds.Mortgage Points
What are mortgage points anyway? Should you purchase points? What does it mean if you purchase points? Purchasing points is a procedure whereby you may be able to decrease your interest, what in turn reduces your monthly payment. But each "point" will cost you 1% of your balance. If you have a $100,000 mortgage, a point will cost you $1,000 and it'll decrease the interest charged on your mortgage by one percentage point. This could mean that a 5% mortgage could become a 4%.
Fundamentally, when you pay points, you're really paying interest in a lump sum upfront to get a lower rate on your fixed rate. The more points you pay, the lower your rate.
The points system is a distinctive feature of the US lending environment. Most other countries don't use points, and mortgages are a bit less complex as a result. Having to think about the impact of points is another factor in deciding on the mortgage that's right for you.
With that in mind, what makes more sense for you? More points and a lower rate? Or fewer points and higher rate? To choose, you have to think about if you may be able to afford to make the upfront payment now and if you can hold the loan long enough to benefit from an upfront interest reduction. The longer you plan to have your loan, the more it makes sense to pay for points now because you will have a long time to benefit from the lower rate.
Generally, points are accessible on locked in mortgages. If you really want to make this approach work for you, you may want to be looking at a long term locked in mortgage, what you will not have to renegotiate for at least 5 to 7 years. If you're going to be cash short when you purchase your home, points might not be the choice. In this case, shop around for the mortgage that gives you the best interest without points. And keep in mind that there is a big range of lenders in the business, and that many are willing to compete to get your business. You might be able to get the same or similar rate without points that you could have purchasing points at another lender. There are lenders who offer "negative points". These may be portrayed as cash rebates to you, for bringing your business to the lender. But, it also usually results in a higher interest being applied to your loan. Usually, negative points will cost you many more over the long term, though you can have extra cash in hand in the short term.
In most cases, it's best to get the shortest possible amortization coupled with the lowest rate possible. This is how you save money on your debt in the long term. But, you must be cautious. The shorter the amortization, the higher the payment. While you save money over the long run because you pay less in interest charges for your loan, you must be able to afford the payment in the short term. One choice what reduces your risk and still allows you to save money is to keep your mortgage at a 25 or 30 year amortization, but increase your payment. Most lenders will let you do this without penalty. Increasing your payment by a small total will let you pay off your mortgage years earlier, while leaving you the choice of decreasing your payment back down to the original total in the case that you need that money. So, let us say you get a 5 % increase this year. If you have the right mortgage you could simply increase your payment by 5%. While a small change in the total that you pay per payment, it'll make a big difference over many years. Every penny of that extra 5% is paying off the balance (or principal) of your loan. Then, a new baby arrives. You want the 5% back? You decrease your payments back down and away you go. Remember that majority of lenders will have many limitations on the total that you may increase your payment and the number of times you may be able to change it. The other way to really cut the time off your mortgage is to make lump sum payments against it. If you can not see your way to increasing your payments? This year, take your yearly bonus and put it directly against your mortgage. Again, every dollar will decrease the balance of your mortgage and will mean that you pay less interest in the long run. small amounts every year will decrease the total of time it takes to pay your debt off and who does not want to be mortgage free?


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The Radford University Board of Visitors holds quarterly meeting this week
The Radford University Board of Visitors will be holding its quarterly meeting Nov. 7-8. The board and committee meetings will be in the Martin Hall Board Room (third floor) on the university campus, starting at 9 a.m. each day.
On Thursday, Nov. 8, the following committee meetings will be held:
• The Academic Affairs Committee at 9 a.m.
• The Business Affairs and Audit Committee at 10:30 a.m.
• The Student Affairs Committee at 12:30 p.m.
• The Advancement /Alumni Relations and Communications/Marketing Committee at 1:30 p.m.
• The Governance, Administration and Athletics Committee at 3 p.m.
On Friday, Nov. 9, the full board will meet at 9 a.m.
More information and updated agendas are available on the Radford University Board of Visitors website.
Learn more about Radford University at www.radford.edu.


text: I stayed in this hotel for 3 days in May, 2011. The Proprietor Mr. Hussain and his son Khurram provided all possible personal attention. Everything is at its best - the room, service and the location. My family loved the its location - on the banks of Nigeen lake. The garden of the hotel is just beautiful. Food was excellent.... More


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The rain trickles through my window, cracked open wide enough to let a cold breeze brush the angles of my face. Eyes closed, heart pounding against my breast. Lips wet from the rain, drops slowly slipping, sliding down my chin, to my neck and even down farther yet.Proof of something real, in this chamber of dead. Breathing comes harder now, for thoughts are circulating faster. Voices, creep all around, hiding, waiting, scaring my soul into insanity. Touching me, the fleshless hands, breathing on me, the lifeless breath. I gasp out the intensity, dwelling inside me, and inhale another gulp of stale air. Eyes sharp, darting into this confined space, faces, staring, spirits waiting. I see dead people.
Stale air and a hint of insanity
January 26, 2012


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late secondary application - what proofs to LEAs require?(10 Posts)
Hi, We are returning to UK after many years abroad. We have 2 school aged kids going into years 3 and 7. Does anyone know what proofs the LEAS require in order to start their applications? For instance I know we will need to have a UK address, so my husband will go to UK next week and rent a house near the (oversubscribed) schools we're looking at. However we understand we also need to have the kids in the UK in order for the application to be processed. So my question is: how will the LEA actually know whether the child is already in the UK or not? What proof do they require? I say this because I will have to pull them out of their current overseas schools at exam time in order to sit around in the UK with no school whilst the LEA puts us on a waiting list. I know this is the same for everyone returning from overseas but I was hoping to understand how other families have coped with this issue. Thanks
This is different for each LA. You will need to ask them what proof is needed. Some will be happy with a signed rental agreement, some will want other things as well. You may find they don't want proof you are already in the UK. However, any offer letter will go to your UK address and you will be expected to take up the offer within a few weeks or you will lose the place and have to start again.
As prh says, the main issue might be the speed at which you must accept an offer and start attending the school.
It is possible the Year 7 child could get an offer almost immediately (secondary schools are generally bigger and have more classes per year group) whereas the Year 3 child be placed on a waiting list that could last months if you only have 1 school in mind.
If you then didn't accept the Year 7 offer and take it up immediately, you would lose it but to accept it would mean either splitting the children for possibly the rest of the academic year or moving here with only one child going to school and the other at home.
Many LAs insist the family are resident (and can even visit the house / ask neighbours in cases where their is uncertainty). Others are happy with a finalised rental agreement but that won't get around the issue of one child potentially having a school place months before the other one or the fact that you cannot defer an offer and move later - any offer made now would have to be taken up straight away.
Help - if the LEA asks neighbours thats going to be tough....our household packing takes a month to arrive so we will have to have rented a house but not occupy it for around that time whilst we live in temporary accommodation locally. I guess anyone looking through the window will see and empty house and think we're playing the system!
joochiat - you need to speak to the LA to ask them the rules they apply to determine when you are officially resident. They may accept the house being empty as long as it is all signed over to you and you are just awaiting packing cases. Or they might insist you and the children are actually in the house or at least the country before they will process the application. You need to find that out as you want to be able to apply for schools as soon as you are eligible to.
Even if they accept the children not being resident, you would still need a plan to get one or both of them here in time to accept an offer if it was made very soon. The chances are you might not get offers for both children to start at the same time but you would not be able to defer one until the other child has an offer. As such, you need to know that you would be able to react quite quickly if one or both children were offered a place and have them in the UK and ready to start within a couple of weeks else risk losing that place and having to start again waiting for another one to come up.
Go and knock on the neighbours doors? Take them cake. And explain what's going on?
We are moving house in 6 weeks' time, but we knew about it 3 months' ago. We get a house with the job, so we had a confirmed address, but weren't living on it.
I contacted the school directly (not the LEA) and asked what the procedure was. Within a fortnight I had a letter confirming in writing a place a the school for ds2 (yr9).
Good luck!
Thanks Roisin for that encouragement...was the school no oversubscribed then? It seems every decent school around london is now oversubscribed so we are feeling v uncomfortable about r chances for September. Which area were you applying in, I imagine it can't be around London?
It's a very popular school and is always massively oversubscribed. But it is a large school and I guess places do always come up from time to time as students move away. It's not London.
Is your dc going into yr7 in September or would be in yr7 now?
(The former is likely to be more problematic, as people are still on waiting lists and wanting places to come up in their first choice schools. Once pupils have actually started at a school, made friends, bought the uniform, got to know the teachers, etc; they are less likely to move even if a place comes up.)
Going into year 7 in Sept....difficult, I know! We also have another going into Yr 3 and I am told 2006 was a "demographic swell" meaning pressure on primary places for that year. I've also got a little one who will need a nursery place but I can't even think about that at the moment....
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Sorry, folks. You may never see Verne Troyer nude.
The small actor has dropped his $20 million suit against celebrity sex tape broker Kevin Blatt and an adult film distributor, after they agreed not to market a video of him getting it on with Ranae Shrider. "We got what we wanted: a permanent injunction," attorney Edwin F. McPherson told The Los Angeles Times.


text: Free The Children empowers youth to fulfill their potential to be agents of change. Through our organization's unique youth-driven approach, more than one million young people have been involved in our innovative programs in more than 45 countries. Founded by international child rights activist Craig Kielburger, Free The Children has an established – more... track-record of success, with three nominations for the Nobel Peace Prize and partnerships with the United Nations, and Oprah's Angel Network. In 2011 Free The Children, was awarded Canada's Top Employer for Young People for our amazing opportunities for young employees! – less


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Calling predators can be very challenging. However, there are a lot of tools available that, if used correctly, can help you increase your odds of being successful. With the advent of new technologies, the modern predator hunter has never had it better. In this DVD, Byron will not only cover some of the newest tools now available to predator hunters but also share tips and advice on how to put these tools to use and make you a more productive predator hunter. This DVD features hunts that include: Electronic Callers Decoys Rifles, Shotguns and Ammunition This DVD also features many exciting hunts with Byron and his friends where he will demonstrate his tactics and techniques using all the newest tools now available to the modern predator hunter. Run Time is 1 hour and 53 minutes.
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While planning for our weekend in San Diego, Meep and I came to an understanding; he gets to see all the animals he wants whilst I get to eat at any place of my choosing. We ended up with a itinerary that included the San Diego Zoo, Seaworld, 2 brunch spots and 2 dinner spots! Our first day was mainly spent visiting JR & Baby E so the touristy stuff started on Saturday!
First stop before the zoo was Mission! There are three spots around San Diego and this was the one closest to our hotel and on the way to the Zoo (sort of).
Just as I had expected from reading Yelp reviews, the wait was a tad over 30 minutes for a table of two. The place seats a lot more people than I had expected so even with a massive crowd, the tables were getting turned over pretty steadily.
Menu highlights the brunch favourites and includes a good range of lunch items as well.
It took me forever to decide because I wanted every dish on their specials!! We ordered:
Mission French Toast $7.95
Fresh baked cinnamon bread w berry puree
It looked a tad burnt but tasted nothing close to it. It had a nice crust with moist cinnamon center and topped with blueberries and sweet tangy puree.
Add scrambled eggs and double smoked bacon $2
The scrambled eggs were soft and moist, seasoned very lightly (but easily solved with some salt and pepper). The bacon were nice thick cuts that were served super crispy.
Chicken Apple Sausage $8.95
Aidells' Chicken apple sausage served with crispy rosemary potatoes, grilled rosemary bread and scrambled eggs
Best chicken sausage I have had to date!! There was a nice char with juicy chunks of chicken bits (not just ground up unidentifiable patty). It has great seasoning as well. The crispy rosemary potatoes were amazing, seasoned so well and had crisped edges from the flat top grill and just so addictive! Again, served with soft scramble eggs.
I didn't have much of the bread because I filled up on french toast and pancake. It was pretty dense and toasted nicely.
Side Strawberry & banana Pancake $2.75
Good ol' dependable pancake; can't really go wrong with pancakes. It was tasty but not the best ever. I did really appreciate the server being flexible and letting us know that we could order one pancake (since I was harping on being indecisive).
House Blend $2 – Coffee was pretty good~
Vincent Vega $3.50 – Coke, espresso and Torani vanilla syrup concoction that sounded cool but tasted a tad strange.
Total Damage: $35 (including tax & tip)
Personal Rating: 3.75 out of 5 (Very good)
Our experience was pretty good overall – the food was of great quality and definitely reasonable in price. Service was not perfect but it was super busy so it was sort of expected. Food took a while and it took quite some effort to find my server to get more coffee.
I am not against the only option of scrambled eggs (it would prolly kill the kitchen to have to cook each egg to order for such a vast menu and insane number of customers) but it would have been perfect if I could have my eggs over-easy and yolky.
I will definitely recommend the place to anyone who wants delicious, down to earth and fresh tasting breakfast with not fuss and frills.
1250 J Street,
San Diego, CA 92101
(619) 232 2662


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My unit is in a rental condo. How may I determine whether my unit is an upflow or downflow?Post created: 2014-10-25 Type of Equipment: Furnace Views: 146
How may I determine if my model is an upflow or downflow?
The filter has been changed several time by several different occupants. I don't trust the way the filter is installed right now.
On 2014-10-27 Danielle wrote:
To determine if your unit is a downflow or upflow unit here is a page with the different descriptions of the air flow configuration.


text:
Compared to other communities, Clifton Park has been able to keep overtime costs low.
Of course, that's partly because the town outsources law enforcement to the State Police and Saratoga County sheriff's office.
Supervisor Phil Barrett said those agences include their overtime costs in calculating how much to charge the town.
Read more here.


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That's right folks… Atramedes has been solo'd by a hunter with a turtle pet. The long, long, long fight bypassed the soft enrage mechanics by making use of Feign Death and Deterrence to avoid needing to use the gongs, and no DoTs (including piercing shots) during the air phase. This fight lasted just over 40 minutes and was performed by Mionelol who is better known for Death Knight soloing.
A truly impressive feat — soloing a boss from the current expansion. The only question is will this be considered hard enough / not worth it enough to let it be, or will Blizzard toss a hard enrage on the fight to prevent this?