text:
Metkore is also negotiating with a well-established local firm for a joint venture agreement for its new ferro chrome project in Oman
Dubai: India's Metkore Alloys and Industries is set to build a world class 165,000 tonnes per annum capacity ferro chrome smelter project in Oman with an envisaged investment of $80 million, reports PTI.
This is the third ferro chrome project coming up Sohar free zone, local media reports said. The project work of Metkore is expected to start in October, with the completion of the work within 18 months.
According to reports, a land lease agreement was signed by Sheikh Sa'ad bin Mohammed Al Mardhouf Al Sa'adi, Chairman of Port of Sohar, and Prashant Boorugu, Managing Director of Metkore Alloys & Industries.
Metkore is negotiating with a well-established local firm for a joint venture agreement for the ferro chrome project, but no agreement has been signed so far.
The ferro chrome plant will become operational in 2014 and is expected to generate direct employment for about 500 people.
The company has already appointed consultants to carry out technical and environmental studies for the project.
Omanisation is the prime objective of the company and all efforts will be taken to train the local Omani nationals and appoint them to operate the plant profitably, it has said.
Further, the low grade chrome ore available in Oman will be beneficiated and put to gainful use thereby adding value to the mineral resources available in Oman.
The Department of Financial Services has been overactive in issuing directives. Worse, DFS is resorting to brazen ways of dictating to PSBs to sponsor their proposals to the board and get them approved
Notwithstanding the fact of substantial private shareholding in PSBs and the managerial autonomy granted to them in 2005, the central government's power to give direction to banks in regard to matters of public interest, after consultation with the RBI derived from the Banking Companies (Acquisition and Transfer of undertaking) Act 1970-in short Bank Nationalisation Act, 1970-remains intact. The nature of consultation with the RBI is not clear nor is it clear whether the government could overrule RBI's advice in matters where the RBI is professionally competent. Be that as it may, in the recent past, the ministry of finance, Department of Financial Services (DFS) has issued a number of directions, advisories and directives to PSBs, some of which are in contravention of the 2005 Managerial Autonomy granted to PSBs, and they are also not in keeping with the aim of protecting minority shareholders' rights as mentioned in the 2005 document. There is thus the potential risk that private shareholders could call into question some of these directions/ advisories a la TCI against Coal India. Besides, almost invariably the DFS wants banks to place its letters before the board of directors within a fortnight, underlying presumption being that the proposals would be approved without demur by the board where majority of the directors are nominees of the government.
This is bad enough but more worrisome is that some of directives/advisories are thoughtless, if not downright quixotic, as would be illustrated with some glaring examples.
[A] Constitution of Credit Approval Committee (CAC)
The ministry of finance, Department of Financial Services (DFS) issued a Gazette Notification on 05 December 2011 under Section 9 of the Bank Nationalisation Act, 1970, in consultation with the RBI, to constitute in each of the nationalised bank a credit approval committee which is authorised to approve credit proposals of Rs400 crore in the case of Category A banks with business of Rs3 lakh crore or more and up to Rs250 crore in the case of other banks. The notification clearly stated that it is a committee of the board and that it shall have a chairman & managing director, executive directors who are whole-time directors as also designated chief general managers (CGMs)/general managers (GMs) as members. This notification came as a surprise to many banks as they had no prior indication nor did the government or the RBI consult them though it was not obligatory to do so.
The banks sought clarifications from DFS on two major issues: [i] as the CGMs /GMs are not directors on the board, they cannot be members of a board committee. More substantively, as they are the officials who recommend credit proposals, they cannot be on CAC as it would amount to proposers and approvers are the same at least in part. [ii] Whether the credit approval limit of Rs400/ 250 crore refers to single borrower or single proposal or for a group.
The DFS did not specifically clarify the position on the first issue and apparently left it to the banks to keep the CGMs/GMs as proposers and not members of CAC. On the second issue, DFS clarified-it is worth quoting, "These powers are applicable to any single proposal placed before the CAC, irrespective of group or individual exposure as such" (emphasis added). In a single swipe, DFS thus abolished the concept of exposure limit which is a prudential norm followed by banks world over with reference to credit risk they can undertake vis-a- vis their net worth, and blew away to the chagrin of RBI prudential norms prescribed by it. Neither DFS nor the RBI could be more emphatically aggressive in discarding a well established and prudent concept! Fortunately, banks kept their counsel and stuck to the credit approval limit, as per borrower. Incidentally the clarifications do not appear to have been gazetted though they are of substantial importance.
[B] Setting up of credit approval committees at the corporate, regional and zonal levels
The DFS sent out a draft proposal on the above subject on 17 February 2012 asking banks to comment on the proposal within a week. The proposal involved setting up of CACs at various administrative/controlling offices to deal with credit proposals expeditiously for which the CACs will be given specified powers by the boards of respective banks. In this, and the subsequent letter of 27 February 2012 apparently based on banks' comments, the powers presently exercised by officers in the hierarchy as per the scheme of delegation of powers in each bank was agreed to be retained, and the powers of the CACs at corporate and other controlling offices were to be prescribed for larger amounts. However, in reversal of the foregoing, the DFS advised the banks on 03 April 2012 as follows: "With the setting up of these committees, the powers vested in officers above the branch level should cease to exist" (emphasis added).
Under the existing scheme of delegation of powers, the discretionary powers of officials posted at the branches are determined by the category of branch as per business volume and the grade of officers. Thu, for example, a rural branch manger may be vested with powers of approval up to say, Rs2 lakh while a metro branch manager may have powers up to Rs100 lakh. Under the DFS dispensation, the CAC at say regional office could get a proposal for more than Rs2 lakh from a rural branch and for more than Rs100 lakh from a metro branch. This is totally incongruous with any rational scheme of delegation! The last word on the subject is not yet out.
[C] Amalgamation of geographically contiguous RRBs within a state
On 28 November 2011 the DFS sent out a letter to banks stating that the geographically contiguous RRBs sponsored by different banks within a state could be amalgamated with a single sponsor bank; in the annexure to the letter DFS even gave the list of RRBs and which sponsor bank could take over which RRBs. The DFS sought a "No objection certificate" from the sponsor banks on the proposed amalgamation by 30 November 2011 i.e. within two days very cavalierly.
The sponsor banks raised a few critical issues such as-technology platforms of merging banks are different and hence it will pose serious problems and would take time to harmonise, valuation of the merging banks would have to be a pre-requisite for determining fair exchange, the sponsor banks having private shareholdings which are listed on the Stock exchanges, the proposal would need the approval of shareholders etc. It is difficult to believe that the DFS had not known about valuation of the institutions as necessary for any merger or acquisition process. On the issue of technology compatibility, the general managers of banks were summoned and brow beaten to accept the proposal.
On other discomfiting concerns mentioned above, the DFS simply asked whether the sponsor banks have any objection to the proposed amalgamation based on geographical consideration. No bank dared to say NO. The DFS believed that issues raised could be kept aside and sorted out at a later date once the in-principle approval is received from all banks concerned. Putting the cart before the horse is what DFS believed as a defence of the half baked proposal mooted by it!
From the few of the examples narrated above, it should be clear that the Department of Financial Services has been overactive in issuing plethora of directives, advisories in the last one year or so without proper study of the issues. Worse still is the fact DFS is not reluctant to resort to brazen ways of dictating to the management of the PSBs to sponsor their proposals to the board and get them approved by the board of directors strictly within a short period of time and implement them within another short term deadline. It is an unfortunate truth that quite a few of the nominee directors are on the boards by virtue of political connections and hence are more than pliable to go along with the DFS. It is sad to note that the RBI which is purportedly consulted by DFS is either passive or prefer to remain mute. The erosion of managerial and functional autonomy of PSBs sends discouraging signals to the market which the banks have to approach for capital sooner than later. The RBI had estimated capital requirements of banking sector (both PSBs and private banks, though bulk will be for PSBs) as a whole at Rs5,68,744 crore over a five-year period (Source: RBI Report on currency and finance 2008) which by now with Basel III stipulation on capital adequacy would have gone up. In contrast, the government provided Rs16,500 crore and Rs15,888 crore in 2010-11 and 2012-13 Budgets.
That the government would not be able to meet this tall order of capital infusion is indicatively evidenced by the tortuous manner of infusing Tier II capital to State bank of India following its recent downgrade by the international rating agency. It may not long before the entire issue of the government holding a minimum of 51% of shares in PSBs would have to be revisited if Indian banks have to meet the credit needs of an expanding economy. Hence it is all the more important for DFS to be sensitive to market sentiments and the right of private shareholders. The argument of TCI in the recent dispute with the Coal of India might come to haunt the PSBs as well. To quote, "If they (government) choose to list a company they have to treat minority shareholders with respect. They were committed to running the business in a professional manner". One hopes the DFS would reconcile itself to the fact the government is not the sole proprietor of nationalised banks for it to use its sledge-hammer style of governance.
(A Banker is the pseudonym for a very senior banker who retired at the highest level in the profession.)


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Description orinoco wpa driver
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3441 N OAK CANYON RD Huntsville, UT 84317
Hi, Carlye Webb.
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Interior Features Include:No Information Available.
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Description View: Mountain
Other Features Include:
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Information deemed reliable but not guaranteed accurate. Buyer to verify all information.The multiple listing information is provided by Wasatch Front Regional Multiple Listing Service, Inc. from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2014 Wasatch Front Regional Multiple Listing Service, Inc., All Rights Reserved. The information provided is for consumers, personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


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The College of Wooster presented Wooster Community Hospital with the Community Partner in Experiential Learning Award for their partnership in the Community Care Network on Thursday, Nov. 3, during the College's annual Experiential Learning Symposium.
Current subscribers have full access to all online news content as part of their subscription. If you are a current subscriber, please log in with your website account information for full access. If you are a current subscriber, but have not yet registered for access to the website, please call our Circulation Department at (330) 287-1615


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- gyrational
- adjective see gyration
New Collegiate Dictionary. 2001.
New Collegiate Dictionary. 2001.
gyrational — Synonyms and related words: ascending, axial, back, back flowing, backward, circumgyratory, circumvolutory, cyclonic, descending, down trending, downward, drifting, flowing, fluent, flying, going, gulfy, gyral, gyratory, gyrostatic, mounting,… … Moby Thesaurus
gyrational — gy·ra·tion·al … English syllables
gyrational — adjective see gyration * * * gyrāˈtional adjective • • • Main Entry: ↑gyre … Useful english dictionary
gyration — gyrational, adj. /juy ray sheuhn/, n. the act of gyrating; circular or spiral motion; revolution; rotation; whirling. [1605 15; < LL gyration (s. of gyratio). See GYRATE, ION] * * * … Universalium
gyration — noun Date: 1615 1. an act or instance of gyrating 2. something (as a coil of a shell) that is gyrate • gyrational adjective … New Collegiate Dictionary
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When Toronto native Thomas F. Ryan invented five-pin bowling in 1909, it caught on so quickly that soon Canadian geese began travelling in flying V formations to show their support for both the sport and the newly discovered concept of aerodynamics. And today, at Parkway Bowl, visitors can enjoy the game however they please, lacing up shoes on one of the 20 five-pin lanes or four hybrid lanes that toggle between five- and tenpin setups. Bowlers can also add bumpers to compensate for poor aim or attend glow-in-the-dark bowling sessions to compensate for poor outfit choices.


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Doctor insights on:
Massive Melons
What is biter melon good for?
Food Myths: There would be no medical or health benefits from this food. It is also 100% carbohydrate calories. ...Read more
Is canary melon healthy for babies?
Diet: It's fine, as long as your baby is old enough for solids, over 4 months. Remember to have it appropriately puréed, if feeding on a spoon. For finger food, make sure it's small enough not to choke on. And as always, introduce only one new food, every 3-5days. ...Read more
Are rock melon seeds good for health?
Uncertain: Although people do eat melon seeds, I could find no data on health benefits of eating honey rock melon seeds. ...Read more
Is eating an overripe melon bad for gastritis?
Yes: The acidity of the fermented fruit could make gastritis worse . ...Read more
Is it unhealthy to eat melons and honey together?
Honey Melon: If you are not diabetic and you enjoy the taste, you are ok. ...Read moreSee 1 more doctor answer
Is water melon high in potassium?
No: The amount of watermelon you eat determines how much potassium you get. In about half a cup of watermelon, there is roughly 85 mg of potassium. Other sources of potassium: http://www.Drugs.Com/cg/potassium-content-of-foods-list.Html. ...Read moreSee 1 more doctor answer
Do rock melons have antioxidants?|
Cantaloupe?: Rockmelon is another name for cantaloupe in australia and new zealand. Unless you have some other melon in mind, the answer is yes, cantaloupe (or rockmelon) is a rich source of antioxidants. ...Read more
Does too much melon like muskmelon make you fat?
Possibly: Cantaloupe (muskmelon) has 54.6 calories per cup. Too much of most foods could cause weight gain. It is a healthy food - eat in moderation. ...Read more
Is water melon is good to improve sexuality power ?
Sex and Men: Nope. Absolutely not? Watermelon is 100% sugar. There is nothing that would affect one's sexual ability! ...Read more


text:
Help us solve the toughest (or most puzzling) game puzzles and challenges.
Our attempt to answer issues which most commonly occur on IGN's wikis.
About This Game
- Summary
- Specifications
- Features
- Game Editions
Step into the clawed feet of badass rebel Hardboiled Chicken, the original Coq of War who sets out on a mission to assassinate the totalitarian penguin leader and take down the evil regime that has taken over Albatropolis. Destroy enemies with a slew of weapons and bear the yolk of Hardboiled's past as his missions unlock the secrets to his mysterious past and illuminate the truth behind the penguin government. Master fowl play in the co-op campaign as a pair of Budgie commandos on a mission to save the general's daughter. Many lives will be destroyed, countless penguins will die!
- Minimum Requirements
- OS:Windows XP (with Service Pack 3), Windows Vista, Windows 7
- Processor:Dual Core with 2.0 GHz
- Memory:1 GB RAM
- Graphics:256 MB RAM graphics card (GF 7600 GT / Radeon X1950)
- DirectX:9.0oc
- Hard Drive:At least 501 MB of free space
- Additional:Official Microsoft XBox 360 Controllers are supported
- Supported Functions
- Number Of Players: 1
- Complete Solo Campaign - 15 chapters, variety of weapons and puzzles.
- Complete Co-Op Campaign - 10 chapters, 6 Budgie commando characters.
- Mini-stories – Uncover the truth about the totalitarian regime and Hardboiled's mysterious past through unlockable cut-scenes and music videos.
- Exclusive Music – Gameplay, cut-scenes and videos set to exclusive tracks from indie rock band New World Revolution.
Rocketbirds: Hardboiled ChickenPublisher: Reverb PublishingRelease Date: October 15, 2012MSRP: 9.99 USD


text:
With the World Cup winding down to the July 11 title game, President Obama got into the soccer spirit of things by welcoming the women's professional soccer champions to the White House.
New Jersey's Sky Blue FC, the winners of the inaugural Women's Professional Soccer Championship.
David's journalism career spans three decades, including coverage of five presidential elections, the Oklahoma City bombing, the 2000 Florida presidential recount and the 9/11 terrorist attacks. He has covered the White House for USA TODAY since 2005. His interests include history, politics, books, movies and college football -- not necessarily in that order. More about David
Follow the Oval on Twitter: @The Oval, @djusatoday.
Also contributing to the Oval: Richard Wolf @richardjwolf; Aamer Madhani @AamerISmad


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Two months out have pictures that show the lines and indents. Had three treatments on the fourth turned it up caused burns close to blisters on checks. Now have orange peel texture and deep creases where there were none. Not just I think I have before and after photos. Is there no professional who has ever seen this? Too many people have experienced the same for there not to be an issure. Is TCA peels good for this condition on aging skin?
If IPL Does Not Cause Fat Loss What are the Indents and Sinking Caused by?
Doctor Answers 3
Low-to- NO Risk of Fat Loss with IPL
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Risks of Laser Treatments
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Learn more: http://www.pacificcenterplasticsurgery.com/skin-treatments-newport-beach/sciton-laser/
If you have already expressed these concerns to the doctor who did the IPL procedure, seek consultation from a Dermatologist..
Please return to the doctor who did your treatment and express your concerns. If you have already done this and are not satisfied with the information you received, seek consultation from a board certified and well respected Dermatologist who has a lot of experience with IPL treatments and their complications.
You might also like...
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Bagel & Cafe #466362 posted Apr 11, 2017
- Somerset County, New Jersey, United States
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Ultra-modern five years young Bagel & Café located in an affluent area of Somerset County, New Jersey. This retail business facility has been beautifully designed with a very attractive image. The business has a gross income of $650,000 and a dependable net yearly income of $132,000. The business is...
Pizzeria/Restaurant in Somerset Cty. #467829 posted May 5, 2017
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Great business opportunity for this family owned and operated Restaurant / Pizzeria with a gross income of $725,000 and a consistent yearly net income of $120,000. They use the freshest, flavorful ingredients to prepare their authentic Italian dishes in a family friendly atmosphere. Located on an active...
Restaurant- BYOB #376202 posted Mar 9, 2015
- Middlesex County, New Jersey, United States
- $89,900
Turnkey Indian Restaurant with Banquet facility; total of 2 dining rooms at 4,600 sq. ft.; seating for 125; Fine Dining; catering, buffet, take out and banquet operations; lots of amenities for very affordable rent. Restaurant enjoys stable loyal clientele. Please contact broker for details, expansion...
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The lion king is an animated American musical drama film produced by Walt Disney feature animation, and released by Walt Disney pictures. This story takes place in a kingdom of lions in Africa, It tells the story of Simba, a young lion that is born into the royal blood and is to take after his father (The King) Mufasa. But Mufasa is then murdered by simba's uncle (Scar) right before his eyes, Simba is then fooled into thinking he was responsible for the death of his father and flees into exile with shame and sadness. Upon 'maturation' living with two other good for nothings, a meerkat named Timon and Pumbaa he is one day found by a childhood friend (Nala). Nala then begs simba to come home for scar has taken over but simba refuses, Sitting alone thinking about his father and that dreadful day Simba is accompanied by a Wise old Baboon named Rafiki who was also a friend of his father and Rafiki manages to change Simba's mind into going back home to face his uncle and save his pride.
The Film was produced during a period known as the Disney Renaissance. The Lion King was directed by Roger Allers and Rob Minkoff, Produced by Don Hahn.
The Lion king (The Musical) is based on the 1994 animated film with the same name, Music by Elton John and Lyrics by Tim Rice. Musical score created by Hans Zimmer, Choral arrangements by Lebo M. Directed by Julie Taymor, The show is produced by Disney Theatrical.


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This is the last episode that ends with a rundown of the characters. Two previous episodes "The Pilot" and "Dear Dad" had ended the same way.
The voice of the P.A. announcer in this episode is provided by Sal Viscuso who was the P.A. announcer in the movie.
When Trapper John "rewrites" the commandments from Frank's Bible, the camera goes to the Trapper on the bunk closest to the door and Frank's bunk, but in many other episodes that is Hawkeye's bunk.
When Henry tells Radar that the Captain is staying at 4077th for awhile, watch the Captain's arms. He goes from holding his helmet and jacket but in the shot his helmet is under his arm. The next shot he once again holding the helmet and jacket.
When Hawkeye asks Henry for the butter, Henry gives it to him and says here you go PierceIntyre...making Hawkeye and Trapper's last name one.
Goof: In both this and the next episode, Frank calls Henry "Henry" rather than "Colonel". This seems a bit out of character for Frank, who usually insists on military regulations being followed (ie, not calling a superior officer by his first name!).
Captain Hildebrandt: These guys make a gin that could melt your dog tags.
Henry: I figured the shower was the safest place to meet, right?
Hawkeye: Absolutely, nobody ever comes in here.
Frank (to Hawkeye and Trapper): You both look more like bums than doctors.
Trapper: Actually, I was thinking of becoming a bum doctor, but the proctology class was full.
Margaret (about Radar): That one spies on everyone!
Hawkeye: Now dear, he is our son.
Henry: He is NOT!
Henry: Someone has been rat-finking to the general.
Frank: I didn't do it. Anyway, it's my duty.
(Henry gives Frank and Hot Lips an angry look)
Hot Lips: There is nothing wrong with reporting how unmilitary your command is.
Henry: Then I have to remind you that if the general splits us up, we all get split up, which means you and doctor Burns will stop practicing medicine together, or whatever it is you do!
Frank: I, for one, have not cracked because of the war.
Hawkeye: That's true, Captain.
Frank: Thank you, Pierce.
Hawkeye: Frank showed up here cracked. With a Bible in one hand and a pair of shorts that said 'Hold me' in the other.
Hawkeye: Henry? Your fly is closed.
Henry: There's nothing wrong with Klinger. I mean, he goes out with girls.
Captain Hildebrandt: Must be stealing their clothes.
Frank: (looking at his Bible) Who re-wrote these Commandments?
Hawkeye: (Orders breakfast) I'll have two scrambled powdered eggs and a slice of World War II surplus bread, and don't make it tasty.
(Reveille begins playing on the PA system and the first part keeps playing)
Hawkeye: Hey! Somebody give the place a shove!
(Record scratches and the song continues)
Trapper: (after song finishes) What's going on?
Hawkeye: I think this motel is surrounded by soldiers.
Trapper: Well, we did it again.
Hawkeye: Screwed up in reverse. We'll never get out of here.
Hildebrand: In my short stay here, I have seen textbook examples of neuroses, psychoses. I have seen voyeurism, fetishism, and a few 'isms' I've never even heard of. And let me tell you this, General: These impossible people are in an impossible place doing totally impossible work. They're mad. quite mad, all of them. And the only act I can think of that would be madder still would be breaking them up!
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This step is discretionary but will drastically boost your chances of getting noticed by other people on the site. Let people know a bit about yourself, your hobbies and upload a nice photograph of yourself.
Utilise our website's advanced search to spot members who satisfy your requirements. Or just look through listings and spot members that arouse your interest.
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4-17 The Grid
Edit Page Last Edit:
4-17 The Grid is a level in the Sink or Swim stage of Where's My Water.
- As soon as the level starts dig away the entire block of dirt next to the bottom poison pipe (before ANY poison comes out of that pipe).
- Now turn the dirt block under the right poison pipe into an L shape, this should force any poison that comes out of that pipe to be flung out to the right.
- Dig a sort of C shape in the dirt block containing the top left duck, then dig a west path from the top middle duck to the bottom of this C.
- Let the top two ducks fill then dig a path from the top middle duck down to the bottom duck.
- Once the last duck has been filled dig a south east path from the its old position to Swampy's funnel.
- There is a hidden object on this level. It is located in the middle of the square to the right of the lowest duck.
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Holiday Inn Express Philadelphia-Midtown
1305 Walnut St, Philadelphia, PA 19107
Regular Hours
Open 24 Hrs
More info
IHG Rewards Club Members: Get better savings with YOUR RATE. Book hotels direct at holidayinnexpress.com for our lowest rates. You won't find these anywhere else.
Official Site. Free Internet. Book Now and Save. Holiday Inn Express.
Extra Phones
Hotel Front Desk: (215) 735-9300
Reservations: (800) 345-8082
General InfoIHG Rewards Club Members: Get better savings with YOUR RATE. Book hotels direct at holidayinnexpress.com for our lowest rates. You won't find these anywhere else. Best Downtown Location Visit the Holiday Inn Express Philadelphia Midtown and surround yourself with a convenient, clean and comfortable atmosphere in downtown Philadelphia. Our Midtown Village location is within walking distance to the Pennsylvania Convention Center , a variety of shops, and over 40 restaurants within two blocks. Award winning Travel and Leisure magazine, voted Philadelphia as having the best new Restaurants in 2015, 12 are located in our neighborhood! No matter what hospital or company you are visiting, our hotel is in a great location to be on time for your appointment or interview. Thomas Jefferson University Hospital, UPENN, Temple University, Wills Eye Institute, Aramark, and Comcast are just a few companies near the hotel. Just a short walk to Philadelphia's historical sites: The Liberty Bell, Independence Hall, National Constitution Center and Betsy Ross House. Afterwards, visit the nearby Reading Terminal Market for a quick cheesesteak and soft pretzel or stop into the local Starbucks! Coming to town for a game? Our hotel is a short subway ride away from Lincoln Financial Field, Wells Fargo Center and Citizens Bank Ball Park. When visiting, you will experience our newly renovated guest rooms and seasonal outdoor pool deck. Our breakfast bar, complimentary Wi-Fi and new on-site Fitness Center featuring Precor equipment are just some of the free amenities we provide our guests.
Payment Methods
Amex, Master Card, Visa, Check, Discover
Languages Spoken
Dutch, English, French, Greek, Spanish, Turkish
CategoriesHotels, Lodging, Corporate Lodging
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Price Range : Average
Pets Allowed: No
Wheelchair Accessible: Yes
Wi-Fi: Free
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Maple Oatmeal Bread Recipe
"Maple syrup gives this soft, tender bread its delicate flavor and golden color," comments Kathy Marin of Methuen, Massachusetts. The pleasantly sweet slices taste terrific when toasted.
- 3/4 cup plus 2 tablespoons water
- 1/3 cup maple syrup
- 1 tablespoon canola oil
- 1 teaspoon salt
- 3/4 cup quick-cooking oats
- 2-1/2 cups bread flour
- 2-1/4 teaspoons active dry yeast
- 1. In bread machine pan, place all ingredients in order suggested by manufacturer. Select basic bread setting. Choose crust color and loaf size if available.
- 2. Bake according to bread machine directions (check dough after 5 minutes of mixing; add 1 to 2 tablespoons of water or flour if needed). Yield: 1 loaf (1-1/2 pounds, 16 slices).
Nutritional Facts
1 slice: 104 calories, 1g fat (0 saturated fat), 0 cholesterol, 148mg sodium, 21g carbohydrate (4g sugars, 1g fiber), 3g protein.
Reviews for Maple Oatmeal Bread
Average Rating
Reviewed Jan. 3, 2012
"It made a dense loaf, as others have said but the flavour was really nice and made good toast!"
Reviewed Oct. 1, 2011
"maybe i did something wrong but my bread came out short and extremely dense. It did however make a good french toast."
Reviewed Sep. 7, 2010
"My favorite bread machine recipe! Nice dense loaf and excellent flavor!"
© 2017 RDA Enthusiast Brands, LLC


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Applications for the WSSDA officer positions of president-elect and vice president have been accepted. The Nominating Committee will check references, then interview the applicants on July 29. Candidates up for election will be announced by August 2. Please prepare to vote for your preferred candidates. A few minutes reviewing the online candidate bios (available in August) and making a couple check marks on your electronic ballot might put your candidate of choice in office for at least a year.
Your 2018 officers will be led by Marnie Maraldo from Issaquah (current president-elect) as president. The newly elected officers will be a president-elect, who could be from anywhere in the state, and a vice president from western Washington.
A number of board and committee member positions are up for election each year. Nominations and voting will occur during the director area caucus meetings at the WSSDA Annual Conference.
WSSDA board positions are for three-year terms. These board members serve as director area representatives, help interpret WSSDA Bylaws and vote on policies and budget. You can learn more about board member duties in the WSSDA Bylaws, Article VII, Section 4.
Members of elected committees serve two-year terms of office. The duties of each of the elected committees are explained in the WSSDA Bylaws on pages 8-10. WSSDA also hosts a variety of task forces and committees with appointed positions. Most of these are for 1-year terms. Please submit an Interest and Involvement Form so we know to contact you if a position opens.
For more information, contact WSSDA at 360.493.9231.


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This air-conditioned city hotel offers excellent service. The large, clean and quiet guest rooms come with everything guests need. The property was completely renovated in the year 2008. There are 208 rooms spread over 10 floors, with an inviting lobby, 24-hour check-out service, a hotel safe, a cloakroom, lift access and a laundry service.
Times Square and Broadway are less than two blocks from the hotel. One block over, on West 46th Street, there are more than 20 dining choices, on Restaurant Row. Central Park is 12 blocks from the hotel, while great shopping on Fifth Avenue can be found less than two blocks away.
Rooms feature dark wood and floral prints. Each quiet room comes with an en suite bathroom, a satellite/ cable television, Internet access, individually adjustable heating and air conditioning, an iron and ironing board, a hairdryer and a coffee maker to ensure a pleasant stay.
Onsite Aspen Club Lounge: Step off the ski lift or the subway to find a new altitude and attitude for Manhattan.
American Express, Diners Club, MasterCard, EC, JCB and VISA are all accepted as methods of payment.
Parking fee: around 33 USD per car per night
Room Facilities:
Satellite cable TV
HiFi stereo system
Internet access
Iron and board
Double bed
King size bed
Central airconditioned
Individual airconditioned
Individual heating
Wheelchair accessible
Disabled bathroom


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If an item you ordered from TextbookRush does not meet your expectations due to an error on our part, simply fill out a return request and then return it by mail within 30 days of ordering it for a full refund of item cost.
Learn more about our returns policy
Description: This completely updated resource covers nearly 50 majors total for the six personality types: Realistic, Investigative, Artistic, Social, Enterprising, and Conventional. A self-assessment helps readers quickly determine their personality type. Next, more than 90 "best majors" lists reveal the 10 best majors overall for each personality type plus many must-know facts and figures not found elsewhere. Other "best majors" lists for each personaility type include the best majors ranked by potential pay and growth of their related occupations; best majors at the bachelor's and higher degree levels; and best majors for men, for women, for part-time jobs, or for self-employment. Bonus lists reveal the best majors for introverts, extroverts, persistent people, stress-tolerant people, detail-oriented people, innovators, and analytical thinkers.The college majors are organized by personality type and described in an easy-to-digest format with information on typical sequences of high school and college courses, specializations in the major, related Classification of Instructional Programs, full descriptions of related jobs, earnings, growth, openings, verbal and math skill ratings, and other helpful details.
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All the information you need in one place! Each Study Brief is a summary of one specific subject; facts, figures, and explanations to help you learn faster.
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Don't Forget School Districts When Home Shopping
Posted By Justin Tuttle on July 25, 2017
Everyone knows the most enjoyable part of buying a home is house hunting (we even enjoy watching other people search for their homes!). It's fun to explore different neighborhoods and settings while planning your future.
When looking at different homes, there are many things to consider,
Five Mistakes that Can Cause You to Lose a Home Purchase
Posted By Justin Tuttle on July 24, 2017
It's getting hot out there, particularly in the housing market.
With bidding wars increasingly common in many locations, buying a home requires discipline and strategy—and knowledge of mistakes that cause homebuyers to miss out on homes.
Video: Five Ways to Keep Your Mortgage Rate Low
Posted By Justin Tuttle on July 20, 2017
Many people don't realize how much money they can save over time by securing a lower mortgage rate.
This video provides some practical tips on securing a low interest rate when applying for a mortgage.
Mortgage Industry Highlights – June 2017
Posted By Justin Tuttle on July 18, 2017
June was another busy month in the red-hot mortgage industry. Here are some recent articles, highlights and tips for homeowners:
Fed hikes interest rates and brightens economic outlook
The Federal Reserve raised short-term interest rates by a quarter point on Wednesday,
Seniors: Buy a Home and Have No Mortgage Payment
Posted By Justin Tuttle on July 17, 2017
Until the last decade, if you were 62 or older and and wanted to buy a new home, your options were limited by the equity accessed from selling your home, your cash savings, and the size of any mortgage you could obtain.
But in 2009,
Home Inspections: a Critical Part of Your Homebuying Experience
Posted By Justin Tuttle on July 13, 2017
Buying a home is one of the largest purchases you can make.
It takes most people 30 years to completely pay off their home, as around 90% of homes are purchased using 30-year mortgages.
Because of the high value of your home,
Ready to Remodel Your Home? Consider Using a 203K Loan!
Posted By Justin Tuttle on July 11, 2017
Remodeling can dramatically improve your home's livability, make it more attractive, and can boost your property value.
Even if you've never thought of remodeling, consider the following locations in your home, and imagine whether you could improve them:
- Kitchen
- Master bathroom
- Living room
- Outdoor landscaping
- Patio / deck
If you can think of obvious improvements to any of these locations,
Video: Owning vs Renting
Posted By Justin Tuttle on July 10, 2017
The choice between buying a home and renting is one of the biggest financial decisions that many adults make. Each have their advantages, but what's best for you depends on your circumstances.
If you're thinking about buying a home, watch this video to learn some empowering benefits that could be in your future.
Six Ways to Lower Your Home's Fire Risk
Posted By Justin Tuttle on July 6, 2017
For many homeowners and homebuyers, fires are a distant concern.
But recent data gathered by the National Fire Protection Association paints a different picture. In 2015 alone, fire departments across the United States responded to a staggering 365,000 home structure fires,
The Facts About Home Equity Conversion Mortgages [Infographic]
Posted By Justin Tuttle on July 5, 2017
Discover the Home Equity Conversion Mortgage (HECM), a remarkable tool that can provide seniors increased financial stability.
The infographic below breaks down:
- How seniors 62-and-up can strategically use the $6.2 trillion of equity stored in their homes
- Reasons why you or a family member might consider using a HECM
- The HECM's wide range of payout methods
- How to buy a new home using a HECM and never have a mortgage payment
If you're interested in speaking about the HECM,
VA Loans Help Military Veterans Become Homeowners
Posted By Justin Tuttle on June 29, 2017
The VA loan allows veterans, active members of the military, and surviving spouses to purchase a home with zero down payment unless required by a lender, or unless a purchase price is more than a property's reasonable value.
In addition, VA loans don't require private mortgage insurance (PMI).
Video: Self Employment and Mortgages
Posted By Justin Tuttle on June 27, 2017
When you're self employed, it's still very possible to get a mortgage, though it can be more challenging.
This video details how you can get a mortgage if you're part of the fastest growing segment of America's workforce (freelancers and the self-employed).
Why Refinance? Mortgage Rates are Historically Low
Posted By Justin Tuttle on June 26, 2017
On June 8, the 30-year fixed mortgage rate dropped to a seven month low, and averaged 3.89% for the week.
This compares to a March 2017 mortgage rate of 4.3%, and counters early year predictions of rising mortgage rates throughout 2017.
Prevent Identity Theft and Help Preserve Your Credit Score
Posted By Justin Tuttle on June 22, 2017
For homebuyers, having a good credit score is an important part of the mortgage process, and it can save you you thousands of dollars over the life of your loan.
While you can build a good credit score with a range of strategies,
Choose Wisely When You Insulate Your Home
Posted By Justin Tuttle on June 20, 2017
For homebuyers, your mortgage payment is one of several monthly costs you'll have to pay. Other monthly costs include your property taxes, homeowners insurance, and homeowners association (HOA) fees.
On top of these, homeowners can expect a substantial monthly power power bill. In the summer of 2017 alone,
USA Today: Reverse Mortgages a Critical Part of Retirement Planning
Posted By Justin Tuttle on June 19, 2017
Reverse mortgages continue to receive positive publicity in the news media, this time from USA Today.
In a recent article, titled "Want financial security? Home equity and retirement accounts are key," reverse mortgages are described as being a critical part of retirement planning.
Mortgage Industry Highlights – May 2017
Posted By Justin Tuttle on June 15, 2017
May was another busy month for the mortgage industry. Here are some recent articles, highlights, and homeowner tips:
U.S. pending home sales fall; housing market recovery intact
Contracts to buy previously owned U.S.
Five Ways to Build Home Equity Faster
Posted By Justin Tuttle on June 13, 2017
One of the biggest advantages of owning a home is building home equity.
Home equity is the current market value of a home minus its outstanding mortgage balance. In simple terms, it's home ownership that you build by making monthly mortgage payments.
To Pool, or Not to Pool: the Pros and Cons of Buying a Home with a Pool
Posted By Justin Tuttle on June 8, 2017
Summer officially begins on June 20, and thermometers are on the rise. Some parts of the country have already experienced triple-digit temperatures.
This makes cooling down in a pool an appealing thought for many people. But what about buying a home that comes with a pool?
How a Secured Credit Card Can Help Get Your First Mortgage
Posted By Justin Tuttle on June 6, 2017
Good credit is important if you're planning on buying your first home; your credit rating impacts your ability to get a mortgage as well as the mortgage rate you receive.
Considering that a lower mortgage rate can save you thousands of dollars over the life of your loan,
Blog Series: Reverse Mortgage Payouts (Term Payment)
Posted By Justin Tuttle on June 5, 2017
If you're a senior citizen, there are times you you may require extra income for a specific period of time. This income could be for unexpectedly needing several months of physical therapy, or to take up a new hobby such as golf lessons.
Regardless of why you need this extra income,
Five Reasons to Refinance Your Mortgage
Posted By Justin Tuttle on June 1, 2017
When you commit to buying a home with a mortgage, it's usually with the plan of paying it off with monthly payments over 15 or 30 years.
During this long timeframe, your life circumstances could change, or the economy could change. When either of these occur,
Blog Series: Reverse Mortgage Payouts (Tenure Payment)
Posted By Justin Tuttle on May 30, 2017
Senior citizens sometimes require extra income to supplement their social security, savings, and investments. Whether it's for medical expenses, building savings, or to take up a new hobby, this extra income can be obtained through a reverse mortgage.
As discussed in our previous blog post,
How to Lower Your Summer Air Conditioning Costs While Staying Cool
Posted By Justin Tuttle on May 25, 2017
As we head towards June, summer is on our doorstep!
With weather forecasters predicting a hotter-than-average summer for much of the country, and with the average household facing a $410 monthly electricity bill,
Why You Shouldn't Shop for a Car Before Buying a Home
Posted By Justin Tuttle on May 24, 2017
If you're planning on buying a home, you have an empowering journey ahead that can provide long-lasting benefits.
Whether it's six months or a year before you buy a home, it's important to have your finances in order. We recommend improving your credit (most importantly,
Blog Series: Reverse Mortgage Payouts (Line of Credit)
Posted By Justin Tuttle on May 22, 2017
With Americans living longer than ever, it's harder for seniors to remain financially stable while extending their savings.
This is causing many seniors to delay retirement so they can work more years. Others are downsizing their homes or turning to family for assistance.
Six Compelling Reasons to Buy Your First Home
Posted By Justin Tuttle on May 18, 2017
For individuals and families considering buying their first home, it can be easy to feel overwhelmed and question whether you should keep renting.
After all, buying a home commits you to years of monthly home payments (and risk) in an uncertain global economy. Owning a home also provides a long list of benefits,
Video: Six Questions to Ask Your Realtor When You Find a Home You Love
Posted By Justin Tuttle on May 17, 2017
Your Realtor is an important part of the homebuying process, your Realtor is an important part of the process, and a valuable resource for you.
One of the most exciting homebuying moments is discovering a home you love. When you find that house, here are six essential questions to ask your Realtor:
Loan Comparison: How USDA Loans Measure Up to FHA Loans
Posted By Justin Tuttle on May 15, 2017
Those looking for a low to no down payment mortgage have options. From VA loans to HomeReady Loans to loans only available via the state, there are many different mortgages available for those who do not have the traditional 20% down payment.
The most common of these home loans is the FHA loan,
Five Tips for Obtaining a Mortgage for a Rental Property
Posted By Justin Tuttle on May 11, 2017
The housing market has recovered considerably since the crash. Homes are now back in high demand, and – thanks to stricter lending practices – the likelihood of another crash in the future has been drastically reduced.
For investors, this means that now is a great time to consider purchasing a rental property.
Mortgage Industry Highlights – April 2017
Posted By Justin Tuttle on May 8, 2017
April was another busy month in the mortgage industry. Here are some recent articles, highlights and homeowner tips:
Two Blockbuster Months In A Row Signal Steaming Home Market
Pending sales, which are home purchase transactions in which a buyer has signed a contract,
Study: the Five Best States to Retire
Posted By Justin Tuttle on May 2, 2017
If you're planning your retirement or are already retired, the state you live in matters.
Because individual states have different tax laws, varying affordability levels, and a range of benefits (and drawbacks) for retirees — where you retire will have a dramatic impact on your life.
Five Essential Online Resources for Homebuyers
Posted By Justin Tuttle on May 1, 2017
If you're planning on buying a home, there's a vast range of online resources available at your fingertips.
Contrast today's virtually endless resources with 25 years ago — homebuying research was mainly limited to home listings in newspapers, books / magazines (which needed to be purchased or checked out from libraries),
Low Income Mortgage Loans: You Can Afford More Than You Think
Posted By Justin Tuttle on April 27, 2017
It's easy to feel like home buying may not be possible based on your income. Homes are expensive, and it's not uncommon to hear horror stories about how difficult it is to qualify for a loan, how often borrowers took out loans that were more than they can handle,
Five Fast Strategies to Qualify for a Higher Loan Amount
Posted By Justin Tuttle on April 26, 2017
In most cases, mortgage loan originators look into your past, present, and likely future to determine if you qualify for a home mortgage. They look at your payment history, your credit score (which takes years to develop), your income for the year, and more.
Many of these factors are difficult to change by the time you apply for a home loan.
Tips to Fix Your Credit Before Refinancing
Posted By Justin Tuttle on April 25, 2017
Mortgage rates are on the rise, and that means if you have been putting off a refinance, it may be time to hurry. The longer you wait, the more likely the interest rates will increase – at least in today's economy – and that reduces the value of refinancing in the future.
Mortgage Tips for Single Parents
Posted By Justin Tuttle on April 24, 2017
If you're a single parent looking for a home loan, it can seem challenging to find one that suits your needs. Although mortgage lenders generally don't look at marital status when reviewing home loan applications, they do look at the following:
- Debt and payment obligations
- Total household income
- Net income after taxes,
Video: Learn About the Different Home Loans
Posted By Justin Tuttle on April 20, 2017
If you're starting the homebuying process, it's normal to feel confused by the different loan types.
One of the best ways to address your concerns is learning as much as possible. After watching our new five minute video, you'll know about the major home loans,
What the Fed Rate Hike Means for Your Mortgage Rates
Posted By Justin Tuttle on April 19, 2017
Over the past several years the economy has improved. The stock market recently reached an all time high, investments have risen, and the unemployment rate has dropped.
Now that the economy has improved, interest rates are starting a slow climb to pre-2008 levels. Recently, the Federal Reserve increased the interest rates by a quarter of a percent,
Six Home Security Tips for First-time Homebuyers
Posted By Justin Tuttle on April 18, 2017
If you recently bought your first home (or are planning on it), you have much to look forward to.
It's also important to protect your property. New homeowners are especially vulnerable to security risks as you're likely new to your neighborhood and just beginning to understand your home.
Should You Build or Buy Your Home?
Posted By Justin Tuttle on April 17, 2017
The longer you explore the housing market, the more you see finding your "dream" home can be difficult. Every home has flaws, and nearly every home requires that you "settle" a little on your vision. But not all families want to settle, and that is why you may consider exploring the idea of building a home yourself – one created from scratch according to your specific needs.
Learning About Reverse Mortgages? Read these Articles!
Posted By Justin Tuttle on April 13, 2017
If you or a family member are considering a reverse mortgage, it's important to research them beforehand.
Websites such as the Federal Trade Commission provide excellent and credible information on reverse mortgages, and are a great place to start your research.
What Types of Home Loans Cover Renovations?
Posted By Justin Tuttle on April 12, 2017
Is your property the perfect home and the perfect investment? If you're like most homeowners, there are upgrades, renovations, and restorations you can make on your property that will either increase its value, or help improve how comfortable you are with the look and feel of your home.
Five Things to Know About Mortgages for Second Homes and Investment Properties
Posted By Justin Tuttle on April 11, 2017
Residential properties are great investments. That's why homeowners often want to purchase more than one. These properties usually fall into one of two categories:
- Investment properties
- Second homes
Regardless of your purchase,
Best Ways to Use Your Home Equity Line of Credit
Posted By Justin Tuttle on April 10, 2017
Your home is an investment you can use for financial purposes in the future. For example, some seniors 62 and older take out reverse mortgages, while others take out home loans.
But you may find that you need access to extra financing during specific scenarios.
How to Prepare Your Home for Stormy Weather
Posted By Justin Tuttle on April 6, 2017
Spring has arrived, and along with it, increased storm chances in much of the US (especially the midwest and southeast).
Whether your home is in an area that gets strong spring storms, tornadoes, or high winds, preparing it for these events can help prevent damage.
Considering a Reverse Mortgage? Here are Fees you can Expect
Posted By Justin Tuttle on April 5, 2017
Are you a retiree who wants to build your financial safety net? If so, you may want to consider a reverse mortgage!
Reverse mortgages let Americans 62-and-up convert part of their home equity (wealth) into cash, a monthly check, or a line of credit.
Mortgage Industry Highlights – March 2017
Posted By Justin Tuttle on April 4, 2017
March was another busy month in the mortgage industry. Here are some recent news articles and highlights:
Federal Reserve Raises Interest Rates for Second Time in Three Months
The Federal Reserve raised its benchmark interest rate for the second time in three months and signaled that any further hikes this year will be gradual.
Five Ways to Soundproof Your Home
Posted By Justin Tuttle on April 3, 2017
If you're a homeowner (or planning on becoming one), you probably desire a quiet home. And compared to apartment buildings, standalone homes are usually quieter.
However, a quiet home is is not always the case. Whether it's noise from nearby traffic, railroads, airplanes,
How Do Lenders Determine Mortgage Rates?
Posted By Justin Tuttle on March 29, 2017
When it comes to home loans, there are usually three numbers that borrowers pay attention to. The first is the total amount of the mortgage, in order to make sure that the amount covers the cost of the home. The second is the amount they are going to pay each month,
Tiny Home Loans
Posted By Justin Tuttle on March 27, 2017
Interested in tiny homes? You're far from alone!
Fueled by growing demand from millennials under the age of 35, there are an estimated 10,000 tiny homes in the United States.
Tiny homes range from 100 to 400 square feet (the typical American home is around 2,600 square feet),
FHA Loans: Your Complete Introductory Guide
Posted By Justin Tuttle on March 23, 2017
FHA loans are one of the most common types of mortgages, especially for first time home buyers, and those without enough money available for a down payment. Backed and insured by the Federal Housing Administration, these loans allow borrowers to buy a home with a lower down payment and generous terms.
How to Buy a New Home Before Your Home is Sold
Posted By Justin Tuttle on March 22, 2017
Your home is your greatest asset. The longer you live in your home, the more you will develop equity that you can then use to make other important financial decisions.
But you may not want to live in your home forever. Your family status may change,
Want to Retire in a New Location? Consider the HECM for Purchase Loan
Posted By Justin Tuttle on March 21, 2017
Are you retired and thinking about moving to a new location? This is common, as 64% of retirees expect to move at least once during retirement.
Whether you want to relocate to a warmer state or move across your city to be near your grandchildren,
The Top Five Most Affordable States for First-time Homebuyers
Posted By Justin Tuttle on March 20, 2017
If you're thinking about buying your first home, you have much to look forward to. In addition to being an excellent investment, owning a home provides you with stability, comfort, and privacy.
While many US housing markets are increasingly unaffordable for first-time homebuyers, there are exceptions,
Six Reasons to Consider Adding Home Insulation
Posted By Justin Tuttle on March 16, 2017
When it comes to homes, insulation matters! And according to recent research, 90% of US homes are under-insulated.
If you're one of the many Americans living in an under-insulated home, here are six reasons to consider adding insulation:
It helps keep your home comfortable
If your home feels uncomfortably cold during winter or hot during the summer,
Want to Apply for a Mortgage? Here are Six Important Documents You'll Need.
Posted By Justin Tuttle on March 15, 2017
If you're planning on buying a home with a mortgage, you can expect substantial paperwork during the mortgage application process.
This paperwork helps lenders verify important information about you, such as your income history and overall financial stability. If you begin gathering important documents several months before applying for a mortgage,
Spring Pest Control Tips
Posted By Justin Tuttle on March 14, 2017
As we move into March, spring is on our doorstep, and temperatures are warming in much of the country.
For homeowners (and soon-to-be homeowners), this means spring cleaning! While there are many good articles offering spring cleaning tips,
Mortgage Industry Highlights and Articles from February 2017
Posted By Justin Tuttle on March 13, 2017
February was another busy month in the mortgage industry. Here are some recent highlights and helpful articles:
Goldman Sachs: Mortgage interest rates will rise to 5.5% by 2019
Goldman Sachs' analysts are predicting the 30-year mortgage rate to rise to 5.5% in 2019,
Seven Signs Your Home Has Foundation Problems
Posted By Justin Tuttle on March 9, 2017
Your home's foundation is an critical part of its wellbeing. If something goes wrong in your foundation, your home can can develop structural problems that cost significantly more to repair than foundation problems alone.
There are three major reasons home foundation problems occur:
- Stem walls can deteriorate.
Four Things Believed to Increase Home Value — But Actually Don't
Posted By Justin Tuttle on March 8, 2017
If you're a homeowner (or planning to become one), upgrading your home is an empowering activity. Whether you want to knock down a wall (to create a larger room), upgrade your energy efficiency, or improve your lighting, there are a variety of exciting possibilities.
Regardless of your home upgrade project,
New Tools Can Help You Understand Reverse Mortgages
Posted By Justin Tuttle on March 7, 2017
If you're a retired homeowner, you might have wondered about reverse mortgages.
Reverse mortgages, also known as Home Equity Conversion Mortgages (HECM), let Americans 62-and-older convert part of their home equity (wealth) into cash, a monthly check, or a line of credit.
Mortgage Refinancing: Cash-Out vs. Rate-and-Term
Posted By Justin Tuttle on March 6, 2017
If you're a homeowner, you'll be aware of your monthly mortgage payment and interest rate. And you might have wondered about refinancing your mortgage to change these figures.
Refinancing lets you replace your current mortgage with a new one. Two of the most common mortgage refinance methods are rate-and-term,
Three Easy Ways to Incorporate Solar Power into Your Home
Posted By Justin Tuttle on March 2, 2017
Whether you're a long-term homeowner or ready to buy your first home, you're likely aware rising energy costs. America's lowest-income families currently spend around 22% of their total income on energy while electricity prices have risen by 30% over the last decade.
Why Do Reverse Mortgage Restrictions and Requirements Exist?
Posted By Justin Tuttle on March 1, 2017
Reverse mortgages are a unique type of loan that has quickly become popular with senior homeowners. With a reverse mortgage, a homeowner may receive a sizeable percentage of their home equity (wealth) and continue to live in their home for the rest of their life provided they pay their property taxes,
Second Home Loans: How to Qualify and What You Need to Know
Posted By Justin Tuttle on February 28, 2017
There is no greater investment than owning a home. That's why many people decide that one home isn't enough. They find that, given their financial situation, they are interested in purchasing a second home, and using that home for any number of purposes, including:
- Vacation Home
- Investment Property/Rental
- Home for Family Members
For those who are interested in purchasing a second home,
Five Powerful Home Energy Improvements and their Costs
Posted By Justin Tuttle on February 27, 2017
If you're a homeowner or planning on becoming one, it's normal to want to upgrade your home. While there are many exciting home upgrade methods, such as improving your kitchen or adding a swimming pool, one of the best is improving your home's energy efficiency.
How Much Are Closing Costs When Purchasing a Home?
Posted By Justin Tuttle on February 23, 2017
If you are buying a home, you'll often hear the phrase "closing costs" thrown around by your lender or real estate agent. The term itself refers to all fees that are paid to third parties during the process of buying or selling a home.
Some closing costs are paid by the seller,
Five Ways that Rising Interest Rates Can Be Positive
Posted By Justin Tuttle on February 22, 2017
If you're thinking about buying a home, you may have heard that interest rates are rising. Rising interest rates have powerful effects on the mortgage industry and individual homebuyers.
While many of these effects are seen as negative (such as buyers having higher mortgage payments),
LTV – What it Is, Why It's Important
Posted By Justin Tuttle on February 21, 2017
Your credit score. Your down payment. Your closing costs. You may already know about the many different considerations and factors that go into owning a home. But you may not know about one of the most important terms of all: Loan-to-Value ratio, or LTV.
What is LTV?
Birthplace Homes of Past Presidents
Posted By Justin Tuttle on February 20, 2017
Today (February 20, 2017) is Presidents' Day.
Presidents' Day is celebrated on the third Monday of February, and was originally established in 1885 to recognize President George Washington, the first United States president.
Within the federal government,
America's Most Affordable States in 2017
Posted By Justin Tuttle on February 16, 2017
Your state's cost of living matters, whether you want to build a home, are a first time homebuyer, or plan to raise a family.
If a low cost of living is what you're after, here are America's five most affordable states in 2017.
What is Mortgage Insurance and Do I Need It?
Posted By Justin Tuttle on February 15, 2017
There is more to homebuying than the mortgage. There are property taxes that the government requires on homes. There is also the interest on the loan. Some homebuyers need to pay HOA (homeowners' association) fees to their neighborhood. All of these add a small amount to the total monthly payment that the homeowner makes on their property.
You Can Create a Smart Home for Under $1000. Here's How.
Posted By Justin Tuttle on February 14, 2017
If you're a homeowner (or planning on becoming one), you can incorporate fantastic technology into your home at budget prices to create a "smart home." Whether you want to adjust your lighting using your voice or control your home thermostat using your phone (while not at home),
USDA Loans – What They Are, How to Get One, and Why They Are Beneficial
Posted By Justin Tuttle on February 13, 2017
The United States Department of Agriculture (USDA) is for more than choice meats. The USDA also offers a unique type of home loan that allows specific borrowers to purchase a home with no money down.
It is one of the only loans, other than the VA loan,
Six Affordable Ideas to Make Valentine's Day Special
Posted By Justin Tuttle on February 9, 2017
Valentine's Day is big. In fact, Americans spent around $20 billion on Valentine's Day in 2016 alone (or $146 for each person who celebrated).
But you can have a fantastic and romantic Valentine's without spending lots, which is important if you're saving to become a homeowner (or saving for other goals such as retirement).
Buying a home in 2017? Here are four things to consider
Posted By Justin Tuttle on February 8, 2017
If you're planning on buying a home in early 2017, you can expect a substantially different housing market from the beginning of 2016.
How could this impact you as a potential homebuyer? While there is still uncertainty in the economy and housing market (and predictions are often wrong),
Don't Have a 20% Down Payment? No Problem
Posted By Justin Tuttle on February 7, 2017
There is nothing quite like homeownership. You have a chance to buy a place you love, decorate it as you please, and also make an investment into your financial future. But if you've ever looked into buying a home, you have probably heard experts saying that you need at least 20% of the value of the home in cash for a down payment.
Securing a Low Mortgage Interest Rate In an Era of Higher Rates
Posted By Justin Tuttle on February 6, 2017
Since the November presidential election, mortgage interest rates have moved higher. And while mortgage interest rates have decreased from post-election highs, many housing analysts expect higher rates throughout 2017.
Though there's no guarantee mortgage rates will continue to rise,
The Benefit of Escrow Accounts
Posted By Justin Tuttle on February 2, 2017
There is more to purchasing a home than the cost of the home itself. There is the interest rate, which you and your lender have likely already factored into your monthly payment. There are also the fees of the real estate agent, if any. These types of costs are frequently discussed throughout the lending process.
Mortgage Industry Highlights and Key Takeaways from January 2017
Posted By Justin Tuttle on February 1, 2017
As we move into February, it's been a busy period for mortgage-related news. Here are some recent highlights:
Mortgage rates down for third week straight, Freddie Mac says
Mortgage rates fell for the third straight week,
Inspection vs. Appraisal – What's the Difference?
Posted By Justin Tuttle on January 31, 2017
Throughout the real estate process, you'll find yourself coming across critically important terms you may not yet be familiar with. Two terms that can be especially confusing are "inspection" and "appraisal."
Both of these are similar, in that an expert walks through a property in order to spot trouble areas,
Six Easy Tips to Save Money Around The House
Posted By Justin Tuttle on January 30, 2017
As we move into February, many of us are still following our new year's resolutions and goals. One of best resolutions (or goal for any time period) is improving our finances. Open Mortgage provided some financial resolution tips and strategies in a recent blog post.
How to Get a Mortgage Approval if You're an Identity Theft Victim
Posted By Justin Tuttle on January 26, 2017
As discussed in part one and part two in our identity theft blog series, everyone is at risk of identity theft. But by learning how identity theft occurs, and staying alert for signs that it happened,
How to Get a Mortgage if you're Self-employed
Posted By Justin Tuttle on January 25, 2017
Are you self-employed? If so, you're part of a rapidly growing segment of the US economy. In fact, an October 2016 study found that America's freelancing economy has grown to 55 million people, or 35% of the entire workforce.
Getting a mortgage can be harder and more expensive if you're self employed,
How Much Retirement Savings Do You Need?
Posted By Justin Tuttle on January 24, 2017
A recent study estimates that as many as 33% of Americans have $0 saved away for retirement, and over half have "less than $10,000." Fewer employers offer any form of retirement package, and given the financial demands of the modern household,
Is it a Good Idea to Pay Off Your Mortgage Early?
Posted By Justin Tuttle on January 23, 2017
If you're considering applying for a mortgage to purchase a home, you can expect a long-term commitment. A 2015 survey found that despite 15-year mortgages being available, 86% of mortgage applicants opted for 30-year loans.
With a 30-year loan,
Is Your Identity Safe? Eight Tips to Help You Prevent Identity Theft
Posted By Justin Tuttle on January 19, 2017
If you're a prospective homebuyer, having a good credit rating is an important part of the mortgage process. And while there are a range of strategies for building and maintaining good credit, identity theft can damage your efforts and rapidly lower your credit score.
How to Talk to Your Kids About a Reverse Mortgage
Posted By Justin Tuttle on January 18, 2017
It is estimated that senior property owners are sitting on more equity than at any time in history – over $6 trillion. This has led to more seniors into considering a reverse mortgage.
If you're thinking about getting a reverse mortgage,
Six Questions You Should Ask Your Realtor When Buying a Home
Posted By Justin Tuttle on January 17, 2017
Buying a property is both an investment, and your chance to have a home for you and your family. It is a financial decision that is not to be taken lightly, and throughout the process it is important to ask questions, stay informed, and make sure that you are making the best choice for your financial future.
Homeowners Insurance: Why it's a Good Thing
Posted By Justin Tuttle on January 16, 2017
If you're considering buying a home, you've probably heard about homeowners insurance—and you might have groaned about being required to pay for it.
Concern over the cost of homeowners insurance is understandable, as it costs the average US homeowner $952 annually (in addition to mortgage payments and property taxes).
Is Your Identity Safe? Learn the Identity Theft Warning Signs!
Posted By Justin Tuttle on January 12, 2017
If you're planning on using a mortgage to buy a home, mortgage lenders will review your credit score as part of your application. Unfortunately, all Americans are at risk of something that can severely damage your credit score: identity theft.
The U.S.
When to Recommend a Reverse Mortgage to Your Parents
Posted By Justin Tuttle on January 11, 2017
According to the Government Accountability Office, 1/3rd of seniors age 55 and over do not have even a penny of retirement savings, and well over 50% have less than they need to live comfortably.
For the children of seniors that are limited in their retirement,
Want to customize your home? The 203k Loan could be for you
Posted By Justin Tuttle on January 10, 2017
As many long-term homeowners know (and recent homebuyers often learn), remodeling a home can dramatically improve its livability and value.
Whether it's upgrading your kitchen, improving your bathroom, or removing a wall, remodeling can transform a home into your dream home.
Four Ways to Protect Your Home During Extreme Cold Weather
Posted By Justin Tuttle on January 9, 2017
Winter is here, and so are arctic weather blasts!
With a massive cold front stretching across the United States during the first week of 2017 (and several months of cold weather remaining), it's critical to protect your home during extreme cold temperatures.
Harvard University: Reverse Mortgages Can Help Seniors Comfortably Age in Place
Posted By Justin Tuttle on January 3, 2017
Harvard University, America's oldest university and one of the world's best, says reverse mortgages can be an option to help senior homeowners reduce cost burdens and comfortably age in place in a new report.
The report,
New Year's Financial Resolutions for You and Your Future
Posted By Justin Tuttle on December 27, 2016
As we head into 2017, it's common to reflect on your past year and make resolutions for the new year. While typical resolutions often include eating healthier or becoming more organized, what about taking stock of your finances and making financial resolutions?
While everyone's financial situation is unique,
Refinancing with Rates on the Rise – Is It Still a Good Idea?
Posted By Justin Tuttle on December 20, 2016
Over the past five years, the average mortgage interest rate hovered between 3.5% and 4.5% – the lowest rates of the past 30 years. This relatively low rate meant that homeowners across the country could refinance their home mortgage, and potentially save thousands of dollars over the course of their loan.
Ideas for Saving Money on Holiday Gifts
Posted By Justin Tuttle on December 13, 2016
It's the holiday season, and many of us are busy buying gifts for family and friends. But how much you spend on those gifts may have a negative impact on your credit score.
If you're planning on buying a home in 2017, it's good financial strategy to hold off on buying expensive gifts.
Mortgage and Housing Industry Updates
Posted By Justin Tuttle on December 12, 2016
With less than a month until 2017, the mortgage and housing industries are as active as ever. Here are some interesting new articles on industry trends and news:
Realtor.com 2017 National Housing Forecast


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A NATIONAL charity based in Bromsgrove has launched a volunteer drive.
The Stroke Association is trying to find new volunteers to help on its Stroke Helpline.
The charity has developed a range of services to support people affected by stroke, and their family and carers.
Someone has a stroke every five minutes in the UK and is the biggest cause of adult disability, so the organisation is keen to find volunteers to help people living life after stroke.
The association's headquarters are the Life After Stroke Centre in Church Road. A volunteering open day is being held at the headquarters on Tuesday, August 19, from 3pm to 5pm, where anyone interested can tour the centre and find out more details.
The team of volunteers help with all aspects of the service including taking helpline calls.
Volunteers will need to be passionate about supporting people affected by stroke, and able to work on their own initiative as part of a busy team.
All roles require good communication and IT skills. Those taking helpline calls will need to be good listeners and have particularly good verbal communication skills.
Successful applicants will receive training that will be designed to suit the different roles and skills needed.
For more details visit stroke.org.uk.


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Distances are calculated in a straight line and may not reflect actual travel distance.
It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
Taylors Estate Agents are delighted to offer for sale this two bedroom ground floor apartment situated on the modern Connect 21 development in Fengate. The property comprises of an entrance hall, open plan lounge/diner and kitchen, two bedrooms and a bathroom. Further benefits include fitted wardrobes, two storage cupboards and an allocated parking space. Viewings are highly recommend so call the office today to avoid disappointment.
Contact branch for relevant Energy Performance Certificate
Vinyl flooring. Fitted wall and base units, one and a half bowl sink with mixer tap and drainer, integrated oven, integrated hob, integrated dishwasher and integrated fridge/freezer.'
UPVC French double glazed door. Radiator, carpeted flooring.'
Double bedroom; double glazed uPVC window facing the rear. Radiator, carpeted flooring, fitted wardrobes.'
Single bedroom; double glazed uPVC window facing the rear. Radiator, carpeted flooring.'
Standard WC, panelled bath, shower over bath, wall-mounted sink
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Dispersed Camping In Wickenburg – Vulture Peak Road
One of my favorite dependable winter haunts is along Vulture Peak Road in Wickenburg, AZ.
Pure desert, tons of sand, and most if it along a series of washes, with epic landscapes of desert shrubbery and the iconic Vulture Peak rising above.
Technically not *totally* free... this area is actually State Trust Land, which requires a $20 permit for limited camping throughout the year with permit displayed.
It's fairly convenient to town at the "usual average distance" of roughly 7.5 miles to downtown Wickenburg with it's small assortment of fun western shops, cafes, small movie theater, grocery, and fast food. There's also a Safeway within 4 miles on the way back to town at the corner of Vulture Mine Road.
The AT&T coverage isn't particularly good at camp... sporadic at best, and non-existent at worst. There is SOME type of tower overlooking camp however, so if it's yours, you might be in luck.


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A massage releases stress more peacefully than primal-scream therapy and more discreetly than a highly televised bulldozer rampage. Find an appropriate outlet with this Groupon.
Choose Between Two Options
- $35 for a 60-minute therapeutic massage (an $80 value)
- $39 for a 60-minute hot-stone massage (an $85 value)
Therapeutic massages can incorporate any standard massage modality; view a list of available massage types here. Smooth, heated rocks loosen tense muscles during the specialty hot-stone massage, rendering them more susceptible to the therapist's gliding strokes.
Milestone Massage & Spa
The massage therapists at Milestone Massage & Spa welcome any curiosity about their profession, and go to great lengths to answer clients' questions and put everyone at ease before 30- to 90-minute massage services. A consultation determines which techniques will best address clients' specific needs, including chronic pain and sports-related soreness. The stable of therapists is well-versed in more than a dozen massage modalities, including Swedish, characterized by flowing strokes, hot stone, characterized by heated rocks, and aromatherapy, characterized by the soothing scent of french fries. The sessions, long or short, can yield a bevy of benefits that range from decreased anxiety to improved concentration. In addition to massage, the technicians expunge toxins with seaweed and kelp body wraps.


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Recently I watched an best pic called "The Tao of Steve". In this movie, an middling guy lived by a pure belief which helped him tempt a wide mixed bag of entrancing women.
While you're belike mindful of the reality that maximum pictures are the merchandise of quite a few screenwriter's imagination, nearby is a lot to be cultured nearly the major character's way of life.
Simply by adopting the cardinal unfinished standards of Dex (the fundamental imaginary being in 'The Tao of Steve), you can be on your way to on the up your happening with women.Post ads:
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Here's how to incorporated Dex's accepted wisdom into your time...
1) Eliminate your desires and all opinion of having sex
In direct to come together (and lure) women, you have delete all belief of having sex near her. This is in-chief because utmost women can enlighten if you're individual sounding to get set.Post ads:
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So when you're speaking to a girl, don't fluster almost testing to go domicile next to her. Instead centering on enjoying the conversation for the sake of the spoken language.
Once you destruct your hanker to have sex with her, you'll go free of to open and live in the minute.
2) Always Be first-class on all sides her
Women go for guys near elevated status. If you can do something first-class about her, you'll accumulate your regard plane and brand name yourself notable of her public eye.
What's terrible is when you prove your goodness she'll begin to search for you.
So if you do something that's some interesting and opposing from the norm guy, you'll turn up to be a rich individual who she should cognise more.
3) Retreat when you have her attention
After you have tested yourself and created want very much in your reference point woman, duck away from her.
If you've through with the early two stairs properly, she'll hound you. Since you now have evidenced your worth, retiring will form her poorness to drudgery for your attending.
There is a adage which negotiations roughly how human beings hound the belongings that sanctuary from us. So when you have her attention, moving distant from her goes hostile what she's likely previously owned to. In essence, you've turn a compensation which she must secure.
While the 'The Tao of Steve' is single a movie, within is a lot to be widely read give or take a few how to take the place of beside women. You truly can larn a lot freshly from applying the cardinal techniques that's represented in this show. So if you have time, I specifically suggest you watch it out and acquire how to go more than approaching Dex.