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Does VA allows 100% equity Cash-Out on Refinances for Kentucky VA Mortgages?
Yes is the simple answer, but a lot of VA lenders will only go to 90%, so be careful shopping out there for quotes and qualifying info.
VA allows Kentucky VA Mortgage holders and veterans to finance 100% of the purchase price of a home, but they also allow Kentucky VA Mortgage veterans to take cash-out up to 100% of the value of their home! You are still subject to the funding fee unless disabled, and the cash out maybe limited in hand depending on your credit score.
Joel Lobb (NMLS#57916)
Senior Loan Officer
Text or Call 502-905-3708 cell
This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.
All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines
Category Archives: Funding Fee Chart
Who is eligible for Kentucky VA loans?
Who is eligible for Kentucky VA loans?
Kentucky VA loans are available to veterans of the United States Armed Forces, including those who are on active duty or reserve, as well as widows or widowers of veterans. There are also special circumstances under which spouses of veterans can also apply for eligibility.
Keep in mind, you'll need to provide a Certificate of Eligibility (COE) in order to prove you are entitled to receive VA financing. Visit the U.S. Department of Veteran Affairs website to learn how to obtain a COE. Your lender can also help you obtain a COE based on your unique circumstances.
What benefits do Kentucky VA Loans offer veterans?
Kentucky VA loan program comes with special advantages other mortgage loan products don't have. Here are just a few benefits of Kentucky VA loans:
Flexible qualifying and credit requirements
Lower interest rates
Zero down payment
No private monthly mortgage insurance (PMI)
Property tax exemptions
There are even grants that allow disabled veterans to make modifications to their home. Another important benefit to point out includes the ability to finance a substantial portion of the closing costs associated with purchasing a home.
In order to get you pre-approved, I will need the following items from you. This is a free process and I will give you a copy of your credit report for free.
VA Loan Checklist
The following is a list of documents that may be required to process your VA mortgage loan:
One full month's worth of pay stubs
Last 2 years W-2′s
Last 2 years tax returns
Copy of your DD214
Your VA Certificate of Eligibility (we can help you get this if needed)
Last two months bank statements for all accounts
I don't need originals, copies are fine. You can fax or email me the above documents.
Let me know your questions.
Thanks and look forward to helping you
VA Home Purchase Benefits
Option for no down payment, zero down home loan
Current 30 year fixed rate of 3.75%
No monthly mortgage insurance premium
Seller or lender may contribute to veteran's closing costs
Termite report required on all VA loans
No closing costs option available
Close in as little as 30 days
Free Mortgage Approvals
Joel Lobb
Senior Loan Officer
American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
Louisville, KY 40223
phone: (502) 905-3708
Fax: (502) 327-9119
Posted by joel lobb at 12:46 PM
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Labels: 100% cash out refinance, Current VA Mortgage Rates Louisville KY, IRRRLs Versus Cash-Out Refinancing Loans, Kentucky VA Home Loans, Louisville Kentucky VA Home, streamline refinance, zero down va loans
Kentucky VA Mortgage Loan
Kentucky VA Funding Fee Chart
The funding fee for ALL subsequent use loans closed on or after October 1, 2006, and before October 1, 2007, is 3.35 percent. This applies to all purchase loans where no down payment of 5 percent or more is made as well as cash-out refinances where the fee would have been 3.3 percent. Effective October 1, 2007, the subsequent use fee reverts back to 3.3 percent.
Type of Veteran Down Payment % for First Time Use % for Subsequent Use
Regular None 2.15% 3.3%
Military 5% or more (up to 10%) 1.50% 1.50%
10% or more 1.25% 1.25%
Reserves/ None 2.4% 3.3%
National Guard 5% or more 1.75% 1.75%
10% or more 1.50% 1.50%
Type of Veteran % for First Time Use % for Subsequent Use
Regular Military 2.15% 3.3%
Reserves/National Guard 2.4% 3.3%
Note: There are no reduced funding fees for regular refinances based on equity.
IRRRLs & Other Loan Type
Type of Loan % for Either Type of Veteran WHether First Time or Subsequent Use
IRRRLs .50%
Manufactured Home Loans (Not permanently attached) 1.00%
Loan Assumptions .50%
2014 Kentucky VA Home Loans Requirements
Chapter 7 Two years from discharge date; evidence the applicants have demonstrated ability to handle their credit affairs; and that applicants have re-established acceptable credit (or chosen not to incur new credit). Discharged less than two (2) years – NOT eligible.
Chapter 13 A satisfactory performance history for one year of the pay-out period and MUST be discharged.
If occurred in past three years, applicant is ineligible.
All federal tax liens will be required to be paid in full prior to the loan closing.
CAIVRS is a HUD-maintained computer information system which enables lenders to learn when an applicant has previously defaulted on a federally-assisted loan. The system's interactive voice response function provides instant credit information.
A CAIVRS screening on each veteran and any co-obligor is required. An applicant cannot be considered a satisfactory credit risk if he or she is presently delinquent or in default on any debt to the federal government until the delinquent account has been brought current or satisfactory arrangements have been made between the veteran and the federal agency.
Student Loans
If student loan repayments are scheduled to begin within 12 months of the date of VA loan closing, lenders should consider the anticipated monthly obligation in the loan analysis. If the borrower is able to provide evidence that the debt may be deferred for a period outside that timeframe, the debt need not be considered in the analysis.
Interested-Party Contributions/Property Seller Concessions
A maximum of 4% of the value of the property as indicated on the Notice of Value (NOV) may be contributed from an interested party (property seller concession).
Any property seller concession or combination of concessions which exceeds 4% of the established reasonable value of the property is considered excessive and unacceptable for VA-guaranteed loans. A reduction of the sales price in the amount equal to the excess is required in these instances.
Property seller concessions include, but are not limited to, the following: Payment of the VA funding fee Prepayment of the veteran's property taxes and insurance Gifts such as a television set or microwave oven Payment of additional discount points to provide permanent interest rate buydowns Provision of escrowed funds to provide temporary interest rate buydowns Payoff of credit balances or judgments on behalf of the veteran
Property seller concessions do not include: Payment of the veteran's closing costs Payment of points as appropriate to the market
o For example: if the market dictates an interest rate of 7.50 with two discount points, the property seller's payment of the two points would not be a property seller concession. If the property seller paid five points, three of these points would be considered a property seller concession.
Closing Costs that CAN be Paid by the Veteran:
Appraisal Fee Recertification of Value Fee
Buydown Fee Recording of Deed
Compliance Inspection Recording of Mortgage
Credit Report Release Fee – Refinances Only
Discount Points Repairs listed on appraisal **
Documentary Mortgage Stamps Repair Inspection – Refinances Only
Flood Certification Septic Inspection Fee
Hazard Insurance Survey
Intangible Tax Title Insurance including: Abstract, Binder & Exam
Origination Fee – 1% Max * VA Funding Fee
Pest Inspection – Refinances Only*** Water Test Fee
Closing Costs that CANNOT be Paid by the Veteran:
Attorney Services (other than title work) Postage, Fax, Phone, Copy of Courier Fees
Broker Fees Sales Commissions
Pest Inspection on Purchase*** Realtor/Lender Transaction Fee
Kentucky VA Funding Fee
Kentucky VA Funding Fee info for 2013 Mortgage Loans
Kentucky VA Funding Fee info for 2013 Mortgage Loans.
via Kentucky VA Funding Fee info for 2013 Mortgage Loans.
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Kentucky VA Funding Fee Information for National Guard, Reserves, Regular Military, Retired, Active Duty in Kentucky for 2012
Kentucky VA Funding Fee Information
In order for VA to guarantee the home loan, there is a closing cost assessed by the VA to originate the loan called a funding fee. This fee will vary, depending upon the type of Kentucky VA loan, whether this is your first time to use your entitlement, if you are a disabled veteran, the down payment and if you served active duty or in the National Guard/Reserves.
Current Funding Fee Charts for Kentucky VA Guaranteed Loans:
First Time Use, Purchase & Construction Loans
|Down Payment Amount
|Veteran/Active Duty
|Reservist/National Guard
|Less than 5%*
|5% to 9.99%
|10% or more
*Includes "Cash-out" Refinancing Loans
Second Time Use, Purchase & Construction Loans
|Down Payment Amount
|Veteran/Active Duty
|Reservist/National Guard
|Less than 5%*
|5% to 9.99%
|10% or more
*Includes "Cash-out" Refinancing Loans
Streamline Refinance / Interest Rate Reduction Loan (IRRL)
|VA Backed Usage
|Veteran/Active Duty
|Reservist/National Guard
|First time use
|Second time use
|Service-connected Veterans
VA Home Loan Quotes are Freely Available
The VA home loan program is an excellent deal for active duty military personnel and non-active duty veterans. Take advantage of your benefits.
Read more: http://mylouisvillekentuckymortgage.com
|A Funding Fee Changes Effective October 1, 2011
Vets and Reserves/National Guard will get a significant benefit October 1st. Check the chart below to see how much they'll save in fees. We hope this helps you help our military folks become homeowners!
If you have any questions about this or a specific situation, please don't hesitate to email or call.
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Louisville Kentucky VA Home loans
VA Loans Louisville Kentucky
VA Loans in Louisville Kentucky | Ky Va home loans info
What are VA Home Loans?
VA Loans provide military veterans and current service members a distinct advantage when it comes time to purchase or refinance a home. Today's VA Loans have the most favorable terms available for most veterans. VA Loans can be used to purchase a new home with no down payment with no mortgage insurance or refinance up to 90% of a homes current equity.
What are the eligibility requirements for a VA Loan in Kentucky?
Veterans Affairs loan guidelines use two methods of income qualification in Kentucky. The residual income method is the primary method, where it is determined that the borrower has sufficient income to cover daily living costs once housing, taxes, insurance and all other liabilities like credit card and auto payments have been made. Additionally, VA loans use a debt to income ratio (DTI). Using this ratio, the veteran's total debt should not exceed 41% of the veteran's total income. Most lenders will require at least a 620 credit score for a VA Loan approval.
How much can I borrow?
The maximum VA Mortgage amount is determined by:
Maximum VA Loan in Kentucky: The largest loan allowed for VA mortgages with zero down is $417,000 in KY. Please refer to the Kentucky VA Loan Limit chart at the bottom of this page to see your area's limit.
Maximum Finance: For purchase transactions, the Maximum VA Loan will be 100% of the lower of the selling price or the appraised value.
What will the down payment and closing costs be?
Kentucky VA loans have zero money down up to $417,000 in most counties.
What property types are allowed for VA Loans in Kentucky?
VA Loans may be used to purchase or refinance single family residences and VA approved condo projects if the property is the veteran's primary residence.
Can I do a VA refinance in Kentucky?
Three kinds of VA Refinance programs are available for veterans in Kentucky.
Rate/Term VA Refinance
The Rate/Term VA Refinance can be used to refinance a conventional, FHA or subprime mortgage into a stable, fixed rate VA Loan.
VA Cash-Out Refinance
A Cash-Out VA Refinance is very beneficial for the veteran who wants to access the equity that they have built up in their home. VA Loans can be used to refinance up to 90% of a homes current value and take cash out for any reason.
Streamline Refinance
The VA Streamline Refinance is designed to lower the interest rate on a current VA mortgage or convert a current VA adjustable rate mortgage into a fixed rate. A VA Streamline Refinance Loan can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.
How much can I refinance in Kentucky?
The maximum amount for an KY VA loan is determined by:
Maximum VA Loan in Kentucky: The largest loan allowed for a VA Mortgage varies from county to county. The highest maximum VA Mortgage right now is $1,094,625. The lowest maximum VA Mortgage amount available in any county is $417,000. To see what the limit is in the county in which you're interested, visit the following page http://www.homeloans.va.gov/docs/2009_county_loan_limits.pdf. This site lists U.S. territories as well as states.
Maximum Finance: In Kentucky, The maximum VA refinance loan amount will be 100% of the appraised value of the home for a rate/term refinance or 90% of the appraised value for a VA cash out refinance.
What factors determine if I am eligible for a VA Refinance Loan?
VA refinance loans use two methods for income qualification purposes in Kentucky. The residual income method is the primary method, where it is determined that the borrower has sufficient income to cover daily living costs once housing, taxes, insurance and all other liabilities like credit card and auto payments have been made. Additionally, VA loans use a debt to income ratio (DTI). Using this ratio, the veteran's total debt should not exceed 41% of the veteran's total income. Most lenders will require at least a 620 credit score for a VA Loan approval.
Why choose a VA Home Loan?
Kentucky VA Mortgages require no down payment.
There are no prepayment penalties for VA Home Loans.
An Kentucky VA Loan is fully assumable, provided the person assuming is qualified.
VA Mortgage Loans have no PMI premiums.
A VA Mortgage Loan is eligible for non-credit qualifying, Streamline Refinance or "IRRRL".
A VA Home Mortgage is available all areas of the country, provided a market exists for the property and the home meets VA's property standards.
A VA Home Loan may be used to purchase or refinance a new or existing home.
Kentucky VA Loans are offered at terms of 15 or 30 years.
VA Refinance Questions & Answers
1. What are the guidelines for a VA Refinance?
If the borrower wishes to take cash out of the property, then the maximum financing amount is 90% of the appraised value, depending on the borrowers qualifications. If the borrower does not take cash out then the maximum financing will be 100% of the appraised value of the home or the amount you are refinancing plus closing costs, whichever is lower.
2. Why should I consider refinancing into a VA-insured mortgage?
VA refinance mortgages do not come with prepayment penalties, have no teaser rates nor balloon payments. They are offered at market rate with terms up to 30 years and are fully amortized, meaning that you pay towards principal and interest every month.
3. What if I have a prepayment penalty and other refinancing costs and there isn't enough equity in my home to refinance?
If you do not have sufficient equity in your home to add your prepayment penalty and/or other refinancing costs into your new VA mortgage, then you should ask your current lender to consider a second mortgage to pay the difference or a short payoff on your existing loan. Offering either of these options is at the discretion of the lender.
4. Does it matter that the value of my home is now less than what I still owe?
Not to VA, but the current mortgage lender considering the refinance would have to be willing to accept a short payoff on the existing loan OR to hold a second mortgage to make up the difference needed to pay off the existing mortgage and the home's value.
5. I have already obtained one VA loan. Can I get another one?
Yes, your eligibility is reusable depending on the circumstances. Normally, if you have paid off your prior VA loan and disposed of the property, you can have your used eligibility restored for additional use. Also, on a one-time only basis, you may have your eligibility restored if your prior VA loan has been paid in full but you still own the property.
6. Only a portion of my eligibility is available at this time because my prior loan has not been paid in full even though I don't own the property anymore. Can I still obtain a VA guaranteed home loan?
Yes, depending on the circumstances. If a veteran has already used a portion of his or her eligibility and the used portion cannot yet be restored, any partial remaining eligibility would be available for use. The veteran would have to discuss with a lender whether the remaining balance would be sufficient for the loan amount sought and whether any down payment would be required.
7. Is the surviving spouse of a deceased veteran eligible for the home loan benefit?
The unmarried surviving spouse of a veteran who died on active duty or as the result of a service-connected disability is eligible for the home loan benefit. If you wish to make application for the home loan benefit as a surviving spouse, please contact us.
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Kentucky VA Funding Fee Chart
Kentucky VA Funding Fee Explained
The Kentucky VA Funding Fee is paid directly to the Department of Veteran's Affairs and is the reason they can guarantee this no-money-down loan program. This fee is paid so that VA eligibile borrowers can enjoy loan benefits such as $0 down financing and no PMI payments.
Kentucky VA Funding Fee Chart
The Kentucky Funding Fee is calculated by looking at 5 different factors: Loan amount, loan type (Purchase or Refinance), type of service, down payment (if any) and prior Kentucky VA loan use. Take a look at the charts below to see how the va funding fee varies based on these factors.
|Purchase – First Time Use
|Down Payment
|Active Duty/Retired
|$0 Down
|5-10% Down
|10% or More
|Purchase – Additional Use
|Down Payment
|Active Duty/Retired
|$0 Down
|5-10% Down
|10% or More
|Cashout Refinance
|VA Usage
|Active Duty/Retired
|1st Time Use
|Additional Use
|IRRL (Interest Rate Reduction Loan)
|VA Usage
|Active Duty/Retired
|1st Time Use
|Additional Use
How the Funding Fee is Paid
The Kentucky VAfunding fee doesn't need to be 'paid' separately and is typically rolled into the loan. This is a big benefit to borrowers looking to take advantage of the $0 down benefit of the VA loan. Not only do borrowers not need to put anything down, but they can also finance the VA funding fee as well.
Kentucky VA Funding Fee Exemption
Borrowers are exempt from paying the funding fee if they receive any disability payments from the Kentucky VA or are considered at least 10% disabled.
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Novak Djokovic failed once again in a major tournament recently. Together with a fellow Serbian Nenad Zimonjic, Canadians Philip Bester and Adil Shamasdin knocked the two giants in a Rogers Cup match.
Albeit it was not easy for the two home favorites to defeat the Serbian giants in world tennis, they were happy to know they knocked them out with 7-5, 4-6, 10-2 results.
According to Bester, they trained hard enough to possess the skills needed to win against Djokovic and Zimonjic, who are both the world no. 1 ranked in singles and doubles respectively.
ALSO READ: Rio Olympics 2016: Tennis No. 1 Novak Djokovic plans to take Rio Olympic 2016 title from Andy Murray after Rogers Cup win?
He, along with Shamasdin, acknowledged the great play the Serbian champs made in the match. Bester explained that because they trained so well, they don't feel anxious or unfocused on what they're going to do next.
The Canadian pair crushed the two Serbian champions through their eight break points within 82 minutes.
Given Novak Djokovic's successive upsets in the last few months, it appeared that his focus on winning remained absent. Wondering what's going inside the champion's head undermined the "invincibility" shown on the court.
The three-time Rogers Cup champion earlier revealed that he has already learned his important lessons from the previous losses in Wimbledon 2016. Hence, his defeat in doubles was not well-anticipated.
That means, during his match with Gilles Muller from Luxembourg will determine if Djokovic were serious about what said in the interviews. Whether he really gained his focus and strength again or not, it's up for later matches' results.
International Business Times stated that the Novak Djokovic-Gilles Muller seemed to be a rematch.
ALSO READ: Rio Olympics: Athletes will be welcomed with 42 condoms each
The report cited that the two have already met in 2015 French Open. As expected, Djokovic won straight sets. Winning the same sets this year in Rogers Cup is predicted.
After Rogers Cup in Toronto, he noted his flight to Brazil to participate the most-awaited Rio Olympics 2016.
Photo courtesy: Instagram.com/@djokernole

subset: commoncrawl


text:
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I love youtube, and how they have made it really easy to connect with nostalgia.
One time I was watching an episode of the Simpsons, at the end of which a song played, I found myself strangely singing along to it, despite not remembering where on earth I could have heard it.
A google search later, and I was surprised to discover it was the opening theme for "Perfect Strangers", which if anyone remembers, was a comedy show that ran back in the 90s (Thank you KTV2).
Anyway, I could not find the opening theme 🙁
What I usually do is enter the following search string on google:
(name of song) site:www.4shared.com
which usually works, you are taken to the accounts of people who have uploaded said song onto their virtual drives, and are allowed to download off them. However, this does not always work.
So now, there is a second Option.
Zamar, the Free online file converter!
I first came across Zamzar when a friend pointed me there, I needed to convert an xlsx file (Excel 2007) into an xls file (old Excel). Then I found out that the possible combinations are limitless. Whats best is their video download.
Alot of programs claim to be youtube video downloaders, although the majority of them are merely fronts for trojan horses and backdoors, and as I am skeptic of all programs that are not freeware and ask you to download a toolbar, I shy away from them.
With Zamzar however, you do not install anything. You merely go to the website, click on the download videos tab, paste the link from youtube (only works with youtube vids though), then select what you wish to convert the file into. You could make it a video, meaning it would be a large file, or an mp3, making it smaller.
I convert youtube vids into mp3s when they are songs I want to listen to on the go. You upload the vid to their site (if you scroll down after you click convert you will see the conversion bar working), they will then send you a link to your email (with a 24-hour expiry), which you follow and bada-bing-bada-boom, you have just made music 🙂


text:
Mr. Danny F Hansotia – Managing Director
Mr. Danny F Hansotia, Managing Director of the Company oversees the total operations of the Company and is responsible for the Finance and Marketing functions. He holds degrees of Bachelor of Commerce (B.Com) and is a Chartered Accountant.
His work experience includes working as Auditor in India as well as overseas before promoting this company. His experience as a chartered accountant has helped the company to manage the financial aspects efficiently.
Mr.Sanjay S Gadodia – Chairman
Mr. Sanjay S Gadodia, Whole time Director of the Company, a B.Com graduate, joined his family business of Textiles in 1981 and handled their power looms in Bhiwandi for a career spanning 12 years. Subsequently in 1993, he along with Mr Danny Hansotia promoted Spenta International Limited.
His acumen and vast experience in Textile industry brings to Spenta good management systems that are essential for maintaining overall good practices. He is supported by well trained personnel in various areas. His ability to handle Production, Labour and Legal aspects of the company comes from the vast experience gathered in textile industry.


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Those who know Titan well will be aware a significant amount of our business comes from the motorsport industry which, by definition, gets really busy on the lead up to the start of the season!
This year has been no different, if anything we have been busier than ever! This is not a problem unless you are a family member of those employed by Titan, however, it goes without saying, this is pretty standard in the industry.
It has been an exciting few months at Titan, which has seen supply to all areas of motorsport, from Formula 1 to grassroots motorsport series, without which the industry could not survive.
We have always taken pride in our roots and this is reflected by the passion we have for the industry. It is this passion and commitment that has enabled us to increase our night shifts and change to working seven days a week to support the demand.


text:
A little publicized political story, if played out to the satisfaction of California Democrats (read: Progressives), would not only set the stage for a politically motivated raid on the US Treasury, it would afford President Obama, his administration and political operatives plausible deniability in any "coincidental" benefit to Mr. Obama's re-election campaign. And if you don't think that has David Axelrod, Valerie Jarrett and David Plouffe salivating, you haven't been paying attention for the past three years.
According to a report by TheHill.com:
"A long list of California Democrats is urging President Obama to name a new housing regulator using a controversial recess appointment.
"In a letter to the president, more than two dozen House members said the temporary head of the Federal Housing Finance Agency (FHFA), Edward DeMarco, simply hasn't done enough to help struggling homeowners avoid foreclosure. The lawmakers are pushing the president to name a permanent director 'immediately.'
"'FHFA has consistently and erroneously interpreted its mandate far too narrowly and as such has failed to take adequate action to help homeowners,' the lawmakers wrote. 'Installing a permanent director of the FHFA will allow the FHFA to move forward to make key decisions that will help keep families in their homes and improve our economy.'"
Okay, let's first examine the FHFA. According to their website:
"The Federal Housing Finance Agency (FHFA) was created on July 30, 2008, when the President signed into law the Housing & Economic Recovery Act of 2008. The Act gave FHFA the authorities necessary to oversee vital components of our country's secondary mortgage markets – Fannie Mae, Freddie Mac and the Federal Home Loan Banks…FHFA's mission is to provide effective supervision, regulation and housing mission oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks to promote their safety and soundness, support housing finance and affordable housing, and support a stable and liquid mortgage market…"
The reason the California congressional delegation is pushing for a permanent replacement for Mr. DeMarco has little to do with the well-being of California's citizens whose mortgages are both underwater or in foreclosure. It has everything to do with 2012 being an election year. The California delegation's letter to President Obama urging the so-called "recess appointment" of a new FHFA director presents as a gift to the Obama re-election effort. I say "so-called recess appointment" because the US Senate is in pro-forma session and it is unconstitutional for the president to make recess appointments when either house of Congress is in session. I and the rest of the Conservative and Republican rank-and-file are still waiting for congressional Republicans to do something about the initial round of "recess appointments." Of course, one needs a spine to stand-up to a bully, so we probably shouldn't hold our collective breath.
I say that the letter presented to the President and his team is a gift because it is a win-win situation that indirectly provides enormous benefit to his re-election campaign.
Should Mr. Obama make an unconstitutional recess appointment to fill the FHFA directorship, the director would be able to take action, almost immediately, to mandate the re-negotiation of any and/or all of the mortgages held by Fannie Mae, Freddie Mac and the Federal Home Loan Banks. That mandate could literally include the forgiveness of sizable portions of monies due to those organizations by mortgage holders who are either underwater, on the bubble of foreclosure or both. This is, effectively, an exercise in debt forgiveness…without the tax liability for the borrower.
Debt forgiveness, by definition, is:
"…a reduction in loan value where a loan is discounted from its original principal or charged off as a bad debt…Under IRS rules [the amount of the reduction] is reportable as income to the borrower for loans discounted or charged off."
Because this move by the FHFA would be recognized as a mandated re-negotiation of the loan, the borrower wouldn't be subjected to the IRS rules pertaining to debt forgiveness. That leaves this question: How would Fannie Mae, Freddie Mac and the Federal Home Loan Banks recoup the monies lost in mortgage re-negotiations? If you answered, "from the federal government" or "from the US taxpayers," give yourself a gold star. The mandated re-negotiated mortgages would literally facilitate a raid on the US Treasury by the Obama Administration under the guise of affordable housing and the "correcting" of the mortgage industry.
Now, here's the part that makes David Axelrod, Valerie Jarrett and David Plouffe drool.
Being the narcissistic political opportunist that Barack Obama has demonstrated himself to be, any of the so-called "political strategist" talking heads seen blathering on nightly on your cable news channel of choice could tell you that as soon as the first reduced mortgage bills are sent to the "rescued" (read: bailed-out, or, better yet, bribed) voters…er, excuse me, borrowers, Mr. Obama will be on television, radio, in print and on the Internet trumpeting how his administration "saved" or "thwarted the foreclosure of" hundreds of thousands – if not millions – of family homes.
I can hear it now:
"This morning, the Director of the Federal Housing Finance Agency, initiated a plan to save the homes of millions of Americans who were tricked, deceived or otherwise forced into signing on to home mortgages unfairly by the greed merchants of the Wall Street One-Percent. Exacting social justice on these filthy Capitalists, the FHFA director has ordered the heads of Fannie Mae, Freddie Mac and the Federal Home Loan Banks to renegotiate any and all home mortgages that are either underwater or on the brink of foreclosure. While I had nothing to do directly with this decision, I did, in my infinite wisdom, appoint the director and, therefore, am due your support in my bid for re-election to the presidency of the United States. Thank you very much and goodnight. Be sure to tip your bartenders and waitresses on your way out. They work hard. You've been great."
Sir Alex Fraser Tytler, a Scottish lawyer, writer and Professor of Universal History, and Greek & Roman Antiquities at the University of Edinburgh, is quoted as saying:
"A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largess of the public treasury. From that time on the majority always votes for the candidates promising the most benefits from the public treasury, with the results that a democracy always collapses over loose fiscal policy, always followed by a dictatorship…"
To clarify, the United States of America is not a Democracy, we are a Constitutional Republic with a democratic electoral system, that understood, Tytler's axiom still holds true. Once the voting public realizes that they can elect pillagers to office who have no problem achieving full political cowardice in their sycophancy to special interest voting blocs, the gates to the Treasury are no longer secure and the Republic is doomed.
It is for this reason that two events simply must take place.
First, congressional Republican leadership must – immediately – cease being the gaggle of spineless political geldings that they have been since Mr. Obama took office. They must challenge, in every way, shape and form the unconstitutional (read: illegal) recess appointment of Richard Cordray atop the newly established Consumer Financial Protection Bureau and Mr. Obama's recent appointments to the National Labor Relations Board. This opposition should include consideration of a radical move: organizing a congressional walk-out, ala the tactics of the Democrat lawmakers in Wisconsin and Indiana, who brought those state legislatures to a halt over the legitimate limitations imposed on public-sector labor unions in those states by the duly elected.
And second, Republicans simply must become more aggressive with branding issues, with messaging. This would be a perfect opportunity to get ahead of the message; to frame the issue before the Progressive "history re-writing machine" gets a chance to sell the American public a bill of goods that is fundamentally Socialist in nature (redistribution of wealth is a Socialist tool to placate the masses). Sadly, if the same message wizards in the GOP hierarchy execute their status quo they will once again find themselves on the defensive and operating from a disadvantaged position, just as with the tax-cut extension issue, the deficit issue, the entitlement reform issues, the budget issue, etc.
Should the Republican leadership – both in Congress and at the RNC – refuse to take this battle on with the intention of winning without compromise, we can all be sure that Mr. Obama and his team of Progressive anti-Capitalists will "fundamentally transform" the raiding of the US Treasury – disguised as an affordable housing initiative – into a dedicated voting bloc come November 2012. If the Republican leadership – both elected and at the Party level – allow this to happen then the subsequent demise of the Republic becomes the GOP's legacy to the human race.


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Capacitación Corporativa is the recruirtment department of Copa Airlines. I was commissioned to redesign the website.
The result was the creation of a responsive e-learning platform with the guidelines from Copa. A complete platform where its possible course creation based on Learn-Dash Wordpress e-learning system.
Copa Airlines
UI Designer,
mobile design,
web design
[RIGHT] Hi quality home mockup.
[BELOW] Various platform layouts.
[LEFT] It was create a color scheme to identify the diferent category courses.
[BOTTOM] Design of the newsletter.
Hospitalstr. 3
50354 Hürth- Stotzheim
(+49) 157 80840987
(skype) plusvaliamarket


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Sunday, August 19, 2007
Warped strip of garter-stitch fabric
The problem with the Baby Surprise Jacket is that it looks like nothing until it is completed. At the moment is is a warped strip of garter-stitch fabric.
I'm using some lovely soft Cleckheaton Merino Supremo yarn.
I got a bit confused at 'Make 1 using a Backward Cast-On Loop method' but found an excellent instructional video here.
I keep getting distracted. I've joined the Yahoo Illusion Knitting group. I finally gave the pirate illusion scarf to my brother and for the first time I think I may have even impressed him. I want to do more illusion knitting but I'm determined not to have 20 projects on the go at one time again.
And I've found a new pattern for an Irish Hiking Scarf that is completely reversible which I really want to try.
On top of this I really want to make another jumper for a three-year-old friend.
And, oh yes, I still have another lollipop sock to go.
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- Rougned Odor contract extension by giving him two horses
- Jose Bautista punched in the jaw during huge brawl with Rangers – Watch
- NASCAR revises lug nut policy after Stewart's criticism – Details
- Harden should've been called for foul on game-winner NBA says – Details
- Jason Whitlock calls Kobe Bryant a fraudulent celebrity athlete 'Watch'
- Jason Heyward Bees Attack Delays Cubs-Mariners Game "Watch"
- Tray Walker: "Ravens cornerback" Dies of Injuries From Dirt Bike Crash, sad day for NFL
- Victor Cruz Willing To Accept Pay Cut To Stay With New York Giants "Details"
- Orioles ban pie celebrations due to safety concerns 'Details'
- Marc Gasol: "Memphis Grizzlies center" out the rest of the season
Honey Trap Playboy Model Goes On The Run As Interpol Warrant Issued – Details
- Updated: September 8, 2016
A former Playboy model has gone on the run after she was sentenced to jail in Bosnia for laying a honey trap in the attempted murder of a gangster, a court said Tuesday.
Police in the Balkans are searching for 30-year-old Slobodanka Tosic, who was convicted of arranging to meet with Mafia boss, Djordje Zdrale, for a date before betraying him to his rival, Darko Elez, who then attempted to have him killed, The Telegraph UK reports.
Tosic, who posed topless for Playboy in 2008 and was named Miss Bosnia at the age of 19, was charged as an accomplice to the plot, which unfolded in 2006. Zdrale was injured in the incident but he managed to escape.
She was arrested in Croatia last year as part of an undercover operation code named Operation Doll. She had fled her home country.
Zdrale, who himself is serving time in jail, was brought from his prison cell during the trial to testify against Tosic.
Elez was among 32 people who were charged with gangland murders and raids on cash delivery vans, post offices and banks.
The crime syndicate he led was dismantled during a separate police operation in 2012.
A spokesperson for the tribunal who convicted Tosic told Agence France-Presse this week: "Upon a demand of the State Court of Bosnia-Hercegovina an Interpol arrest warrant was issued for Slobodanka Tosic."
The spokesperson did not comment on the time it took to issue the warrant.


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Watch on your Apple TV, Roku, or Fire TV and your iOS, Fire, or Android device.Learn More
"This recipe does not use noodles but crepe-like shells you can make quickly and easily in a skillet. The recipe comes from a good friend (who also happens to be a great cook). The spices for the sauce are a total guess (I was very conservative in my estimate...adjust according to your taste)."
Baked Manicotti
0 recipe photos
READY IN:1hr 15mins
Ingredients Nutrition
- 6 eggs
- 1 1⁄2 cups flour
- 1 1⁄2 cups water
- 2 eggs
- 8 ounces mozzarella cheese, shredded
- 1⁄3 cup parmesan cheese
- 1 (15 ounce) container ricotta cheese
- cheddar cheese
- 1 (14 1/2 ounce) can stewed tomatoes
- 1 (15 ounce) can tomato sauce
- 1 teaspoon garlic powder
- 1 teaspoon onion powder
- 1 teaspoon italian seasoning
- 2 tablespoons parmesan cheese
- Sauce:.
- Mix all ingredients and simmer while preparing the rest of the recipe.
- Shells:.
- Beat six of the eggs, flour, and water together.
- Pour about 1/2 cup (I'm guessing on the amount -- depends on the size of your skillet -- I use a fairly small one) make small crepes with batter, cooking only one side (you'll know it's done when you can take it out of the pan easily -- like a pancake).
- Filling:.
- Mix mozzarella, ricotta, parmesan, and remaining two eggs.
- Fill each "shell" with cheese mixture.
- Pour some sauce in pan.
- Place shells in pan. Cover with sauce and cheddar cheese.
- Cover pan with foil and bake at 375 for 30 minutes.
- Uncover and bake for 10-15 minutes more.
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Helping Southwest Florida Childhood Cancer Families
Caleb's Crusade supports advocacy, raises awareness for childhood cancer, and directly funds local families aiding in the financial challenges that come with such a diagnosis. Caleb's Crusade was founded by Caleb's parents to honor his life that was taken by leukemia 11 days after his 4th birthday.
Our "Superheroes"
"We fight everyday to build a legacy, brick by brick, for the children we failed" ~Rob Whan
Meet The Angels That Built The Foundation
Volunteer Today
Roll up your sleeves and lets get to work
Be A Better You
Lace up those sneakers for one of the most rewarding experiences of your life


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Life has been pretty busy recently, I seem to have been here, there & everywhere! I've had a couple of trips to London to organise my life whilst stopping for some shopping, sweet treats (especially Lola's mmm) & general aimless walking around sight seeing. I'm one of those people who loves their own company in London, the crowds don't scare me, the tube is my best friend & to me there is nothing better than doing my own thing & exploring London! Having said that Tilly did have a little adventure with me & came on the train to London one day. She was really well behaved on the train apart from one moment when she had a peak down the aisle & started barking at somebody, cheeky puppy! She enjoyed all the attention she got on the underground & loved meeting my friend Mimi! Dom & I have driven up North countless times to visit family & friends, celebrating birthdays & enjoying the recent bank holiday. I'm so used to long car journeys now, I swear the majority of my life is spent travelling! Oh well as long as I have enough lives on Candy Crush to keep me occupied (addicted again, wah!) & a cuddly pug puppy sleeping on my knee I guess it's not all that bad! We also celebrated our five year anniversary on the 19th, seriously how have we been together for half a decade!? Its insaneeee, it still feels like I only met Dom yesterday! We didn't do anything particularly exciting as money isn't on our side at the moment with so much to pay for, it's not fun being "grown ups" with all the bills to pay! We had pizza for tea & took Tilly on her favourite walkies, we don't always have much time together even though we live together, I know that sounds crazy but work etc gets in the way so we made sure we dedicated the evening to each other! (: At the end of August my mum got a chocolate labrador puppy, so of course we had to drive over to Leicester to meet the cutie, little Luna puppy... who actually isn't so little & is already the same size as Tilly at only 8 weeks old. Mum also promised me a trip to Patisserie Valerie as a treat so we finally got round to going, I had a strawberry tart & hazelnut latte, so so goood!
The past month literally has been a blur to me, so much has been going on I'm actually glad I'm hooked to my iPhone & document my life taking hundreds of photos wherever I go! My memory is really really awful at the moment so scrolling through my camera roll has been pretty helpful! I'm actually in Turkey at the moment, I flew here all on my own (wasn't as scary as I thought it would be!) on Monday morning at 10:55 to see my dad & little brother. I wanted to come see them for ageeees & when we found a cheap flight I booked it without even thinking, I needed some sun in my life! Sorry this post is so photo heavy & I rambled on, I will be back to regular blogging this week hopefully, I miss it!
What have you been up to recently?
L x
Twitter | Instagram | Bloglovin' | Facebook


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Every patch of earth has a story rooted deep in its soil – an evolving, unfolding story.
Since the mid 1990s, our sustainably farmed vineyard has been preparing itself for a new chapter. We are now composing that chapter under the name Brave & Maiden Estate.
We take our name from the "Legend of Nojoqui" (pronounced Naw-ho-wee), an indigenous incarnation of Romeo & Juliet. Set at the nearby Nojoqui Falls, the legend recounts the story of star-crossed lovers who choose sacrifice over separation. Inspired by such profound dedication, we've committed ourselves to crafting the most exquisite wines our estate can yield.
Our story began to take shape in 2011, our first vintage under the Brave & Maiden name. Since then, we have produced extraordinary wines under the direction of Consulting Winemaker Paul Hobbs and mastery of Winemaker Josh Klapper. While we grow several Bordeaux and Rhone varietals, we have taken on a particular goal of producing world class Cabernet Sauvignon from Santa Ynez. Our critically acclaimed Limited Cabernet Sauvignon—and our other small lot, black label wines—are available primarily to Members of Brave & Maiden. Become a Member here.
In 2018, our story will build as we open the doors to a new winery and tasting room on the estate. Refined yet familiar, and set under an expansive sky, the design of our estate will be a rustic but contemporary homage to the agricultural and equestrian heritage of our valley.
Our vision for Brave & Maiden is quite simple: to produce extraordinary wines and share them with you in an unforgettable experience of hospitality. We hope you'll visit us soon; we look forward to having you as our guest.
To follow our story, and be notified of our opening and the release of our latest vintage, introduce yourself and join our List here.


text: Nicole Raz WMAL.com WASHINGTON– John Boehner (R-Ohio) has been taking some heat for not being able to control the members of his own party amid the government shutdown blowup. But in an interview with WMAL's Mornings On The Mall, Former House Speaker Newt Gingrich (R-GA) said Boehner is probably grateful that Ted Cruz (R-TX) has captured the attention from the news media. "I think he's quite happy to have the news media attack Ted Cruz instead of attacking him," Gingrich said. Even though Cruz is the target of the news media, Gingrich said he will come out of the negative headlines politically ahead. "This is a freshman senator who is emerging about as fast as Barack Obama did when he was a freshman senator," Gingrich said. "I think Cruz will be a very formidable player." Cruz has clearly made it his goal to become the leader of the conservative wing of the Republican Party, and Newt said he is positioning himself very well.


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Support TLS to the proxy
By design Issue #1308963
Steps to reproduce
Repro Steps:
Have a PAC file whose FindProxyForURL function returns "HTTPS someproxy:444". Observe that IE doesn't use it.
Expected Results:
WinINET/IE support using TLS to the proxy server.
Actual Results:
Dev Channel specific:
Comments and activity
- Microsoft Edge Team
Changed Assigned To to "Tony S."
Changed Assigned To to "Venkat K."
Changed Assigned To to "Ivan P."
Changed Assigned To from "Ivan P." to "Mike B."
Changed Status to "By design"
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VisionHome Menu
What's happening at Vision?Contact Us
Richfield, Minnesota Tests Online Citizen Engagement Tool
Originally published in EfficientGov, by Andrea Fox. December 7, 2016
The city is testing an online citizen engagement tool to make sure it is easy to use and effective in gauging online resident opinions.
Not all residents attend open houses and community forums or respond to mailings, so it can be challenging to gauge citizen opinions on civil decisions. An online citizen engagement tool can help cities reach residents that do not normally participate through traditional channels.
The city of Richfield, Minn., with a population of about 34,000, has been testing digital and online engagement tools for about three years, said Pam Dmytrenko, the assistant city manager.
"It's a different environment now, and we wanted to be responsive to that," she said.
Richfield, along with five other cities and government agencies, is participating in a Vision beta test of the new visionPulse citizen engagement tool. The tool integrates with Richfield's existing content management system, visionLive.
Chief information officers cited engagement among the top three priorities in the trends report from the 2016 Digital Cities Survey by The Center for Digital Government and Government Technology magazine. Vision also found that most local governments it works with believe citizen engagement will have a significant impact on operations by 2020. However, few consider their cities to be effective in gauging citizen engagement, and most the company surveyed in 2016 said improvement is a priority.
According to Ashley Fruechting, Vision senior director of marketing, online citizen engagement generally isn't happening because most city websites bury polls and topic features.
Government staff struggle to keep multiple systems up to date and consistent because each one requires a separate log-in and administration. Effectively engaging citizens day-in and day-out, year-round requires local leaders to provide information and functionality that citizens value and internal staff can manage," she said.
Testing Citizen Engagement Tool Functionality
Dmytrenko said other digital polling tools Richfield tested did not provide opportunities to foster dialogue so that decision makers could glean insights from citizen comments. "Residents want to see comments, too" she added.
For most municipal administrations, including Richfield's, it's critical that citizen engagement tools be as efficient as possible. Richfield is participating in the Vision beta test because it wants a tool that is:
- Easy to use and manage
- Accessible to all departments
- Integrates with the city website and social properties
- Allows residents to subscribe to individual topics
- Provides user-friendly analytics
After Thanksgiving, Richfield launched its first poll about police department community outreach, which is accessible on the city's homepage in an area called Richfield Connect. In this poll, Richfield citizens are given the opportunity to select the police department's community outreach idea that would be most interesting to them, and then comment on why, if they choose to.
Resident Mary Stratton wrote, "I like the idea of coffee with a cop. As a recent graduate of the Citizens Police Academy, I found it beneficial to meet many different members of the Public Safety Community. Communication is key to fostering positive relationships between citizens and the Police and Fire Departments," she said.
While Richfield has received additional poll responses, the city expects it will take about three months to gauge the tool's overall performance.
How the Citizen Engagement Tool Works
In Vision's back-end, topic hosts, like Jay Henthorne, Richfield's police chief, and his staff can set up a poll's structure and questions, and publish to the city's website.
Prompts and suggestions help topic hosts and city staff build polls. Hosts can also tag the topics so that the poll shows up in other relevant areas of the website where citizens turn to for various city services, such as to pay bills or find contact information.
Vision's citizen engagement tool also integrates to the city's Facebook and Twitter accounts, so poll hosts can set-up posts about new topics right from the city's content management system. Hosts can also send alerts to Richfield's website subscribers, or upload a specific contact list for notifications.
As topic host, Henthorne gets email notifications about posted comments and responses, and can answer resident questions. He can also control whether comments must be reviewed before they are posted in the topic on the city's website.
When the poll closes, he can use the tool's administrative dashboard for poll metrics, including the number of responses, comments and email activity. Results can be aggregated into reports that can be exported and shared.
visionPulse Host Dashboard
As Richfield adds more topics, residents will be able to search topics of interest in the Richfield Connect section. Poll topic timelines are displayed visually, so they will know right away if a poll is still active. They can review fellow resident comments and host replies from all polls that stay posted to the site.


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Jill Griffin talks about a successful win-back campaign with the technology news and information source, CNET. Building and retaining the biggest list possible didn't always yield the best results. Reaching out to customers who are engaged with the business would often yield the greatest successes in terms of lost customers and retention.
- When asked about an implemented win back campaign,…the Director of Member Services at CNET said,…"Win back is sort of an ongoing strategy for us.…"The way I think of winning back…"is that it's an ongoing effort.…"Not just something you do in tandem with a list cleanse."…CNET, a news and information source for the tech savvy,…regularly cleans and culls this list…as part of its ongoing win back marketing.…
CNET has 13 different editorial newsletters…ranging from daily to once a week.…All subscribers must be registered on the site…to receive the newsletters.…This allows CNET to gauge the value of each subscriber.…Nothing can hurt your win back efforts…more than an outdated customer list.…You may find it hard to remove inactive e-mail addresses,…thinking the bigger the list, the better.…
But a smaller up-to-date list of names is your best bet.…A clean, current e-mail list drives win back success.…For CNET, it goes something like this.…They started first with subject line testing…to their newsletter database.…They tested which subject lines…
Jill shows that customers defect for one of five reasons: (1) intentionally pushed away, (2) unintentionally pushed away, (3) pulled away, (4) bought away, or (5) moved away. She also outlines which of these customers are the easiest to win back—and how to say "sorry" in a way that will resonate.
- Why winning back customers is crucial
- How customers say goodbye
- The five types of lost customers
- Running a lost customer campaign


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How well does the curve of the stem pieces match the curve of the bar?
What brand & model is the stem? The handlebars? Or - what size are your handlebars: 25.4mm, 26.0mm, 26.4mm, 31.8mm; and what size bar is the stem meant for?
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I just got a new bike and wanted a shorter stem so I put an old one on it. I guess the bars are wider than the stem accommodates because there is a gap in where it should close up (see photo)
Is this dangerous? or just not pretty? It didn't do this on my old bike but the bars were much thinner.
How well does the curve of the stem pieces match the curve of the bar?
What brand & model is the stem? The handlebars? Or - what size are your handlebars: 25.4mm, 26.0mm, 26.4mm, 31.8mm; and what size bar is the stem meant for?
It's somewhat difficult to tell, but I would ask the same questions, what size handlebar, stem is there? I would agree that there needs to be a space between the two clamps of the stem, but my honest opinion is that you have two different sizes going on here and if so, not safe at all. (perhaps a 25.4 and a 26.0?)Have your LBS check just to be safe!
To say it another way: small space between the bolt holes in your handlebar clamp = normal and necessary for safety. Space between the mating surface of the clamp and the bar itself = NOT normal and not safe. They should fit seamlessly like nested spoons.
You can't see between the clamp and the bar from the angle of your picture, and you may not be able to get a good photo of that angle, but you may be able to eyeball it.
What makes ridebikeme suspicious, I think, is what you said about how your old bars were "much thinner." It's hard to tell what you mean by that. If you don't have a caliper to measure the diameter, you can do a quick-and-dirty comparison by wrapping a tape measure around the mating surface for the clamp on both bars. If they're not the same circumference, they can't use the same stem. (Don't bother measuring the bars anywhere else - often the mating surface in the center is a different diameter from the parts of the bars that your hands go on - even though I don't see any taper in your picture, best to know for sure.)
If it turns out they're not the same size, you'll probably need a caliper to find out what size you need, but if you don't have one, your LBS can measure for you.
Last edited by OakLeaf; 11-12-2012 at 06:36 AM.
Speed comes from what you put behind you. - Judi Ketteler
Is the gap equal at the top and the underside of the stem? If the lower gap were smaller, it would cause that slightly oversize gap at the top.
That gap looks "largish" but reasonable.... but getting it checked to be sure is good advice.
Easton Stem?
Last edited by Seajay; 11-14-2012 at 12:09 PM.
Thank you guys for the help! It seems secure but I'll ride it to the shop to check. I cannot find any size indication on the bars but the stem says 8m?
Seajay- you hattin on the Easton?!


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BRAVO! Cucina Italiana
7924 Via Dellagio Way
Orlando, FL 32819
(407) 351-5880
(407) 351-5886 (fax)
Sunday- Thursday, 11:00am-10:00pm
Friday & Saturday: 11:00am- 11:00pm
Friday & Saturday: 11:00am- 11:00pm
BRAVO! is proud to serve Italian classics with a twist made with authentic old world cooking techniques and the highest-quality ingredients - housemade pasta specialties, pizzas and flatbreads, steaks
Located in the new Dellagio Plaza on the corner of Sand Lake Road & Della Drive in the heart of Dr. Phillips.


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Nutritional Supplements
Looking to supplement the parts of your diet that are lacking? Check out these great reviews, guides and articles on nutritional supplements.
Most Recent
Treating High Cholesterol with Niacin and Fish Oil
Eating well, exercising regularly and living a healthy lifestyle are best, but when this is not enough, can using fish oil and niacin to lower cholesterol help? Learn about each and see if these natural remedies may be right for you.
Important Vitamin D Facts
How important is Vitamin D for our bodies? Learn about this vital nutrient including symptoms of deficiency and what foods are rich in Vitamin D.
Vitamins Necessary to Supplement a Vegetarian Diet
Are you a vegetarian? If so you might not be getting all of the essential nutrients from your diet. Although vegetarians have a strict diet, it's important that you learn about the vitamins needed when on a vegetarian diet. Vegetarian vitamins are availalbe and can make a big difference.
Supplements to Boost Your Energy
Many factors can affect your energy levels, and it can be challenging to determine what is negatively affecting your energy. However, by starting with the basics such as your diet, you can increase your energy level and boost it by adding a few supplements to your daily food routine.
Hoodia:The Truth About It
Hoodia, a recent diet craze, is favored by some yet many beg to differ. Is Hoodia just another "sham" supplement? There have many natural diet aids used to promote weight loss or health benefits that have proved harmless, but do they actually work?
Benefits of a B-Vitamin Nutritional Supplement
This article will focus on B-vitamin nutritional supplement benefits as well as the connection between B-vitamins and health.
Health Benefits of Fish Oil
Helping in the treatment of depression and prevention of Alzheimer's disease are some of the health benefits of fish oil. Learn what else it is good for and know what side effects of fish oil can occur if excessive amounts are taken.
Information on L-arginine
What is L-arginine? It is an amino acid that the body needs to perform certain functions like keeping the immune system healthy. It may also be helpful in treating some medical conditions when taken as a supplement. Learn more about this nutrient and see if supplementation may benefit your health.
Nutritional Supplements for Bladder Infections
Repeated bladder infections are troublesome and annoying to treat. Frequent courses of antibiotics are not a good answer to the problem. Besides practicing good hygiene, some nutritional supplements may help.
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Viewing all entries tagged: award
Success for Opus at the ACENZ Awards
Opus has been honoured at the Association of Consulting Engineers (ACENZ) 2014 INNOVATE NZ Awards. The ACENZ Innovate Awards attract outstanding and innovative projects from all engineering disciplines and recognise the valuable contribution that engineers make to developing and maintaining sustainable infrastructure in New Zealand.
IPWEA Conference - Best Paper
Simon Bush, Principal Engineer - Structures Asset Management won the Hynds' Best Paper at the IPWEA conference. His paper used a SimCity analogy, calling for asset managers to model service users and decision makers as well as assets, and his proof of concept showed how freight hauliers might change their routes and, in turn express dissatisfaction with their service provider based on reduced bridge reliability.
Opus brand wins Graphis Award
The Opus brand was awarded a silver Graphis Award. The awards recognise published works from some of the best talent in design, advertising, and photography and are a bastion of excellence in design and visual imagery. Opus will be included in the resulting Graphis Design Annual.
Meritorious Service Award
Mike Dunn, Principal Fire Engineer received an Annual Meritorious Service Award – the Committee of the Year Award, as a member of the P4541 Automatic Fire Sprinkler Systems Committee. The award recognises the Committee's reputation as a group of individuals who operate as a team drawing on the wisdom, technical skills, and talents of each member, and that works towards common goals.
Best Paper Award, Institute of Public Works Engineering Australasia
Warren Bird, Work Group Manager - Water Resources won Best Paper at the IPWEA Conference. Warren's paper outlines findings from his team's international review of safety risks posed by stormwater assets and the subsequent development of a GIS-based tool for identifying and scoring risks posed to members of the public.
Asset Management Council Conference
Dr Anna Robak's presentation was judged the best at the Asset Management Council's AMPEAK (Asset Management Promote Educate Assist Knowledge) annual conference, held in Australia. Her presentation, called "The uncertain future: Planning for alternate realities", focused on incorporating human behaviour into infrastructure strategies. Anna developed a simple model that could help explain why people might react in unexpected ways when they are faced with changes in service provider, service provision mechanism, or charging mechanisms.
Canadian Multidisciplinary Road Safety Conference
The 24th Canadian Multidisciplinary Road Safety Conference was held in Vancouver on 1-4 June 2014. Opus was represented at the conference by Cherie Mason (NZ) and Robert Swears (UK) who were awarded the inaugural Mavis Johnson Traffic Safety Award for the Best Policy and Practice Paper at the conference. The conference was attended by about 200-250 delegates from across Canada and several from overseas countries and from a variety of different agencies and included health professionals, police representatives, researchers, practitioners and those interested in road safety education and engineering. Over the three days of the conference 90 presentations were made covering a diverse range of topics extending from "Automated Vehicles: How Close Are We?" through to "Roadway Police Justice".
RICS Professional Services Team of the Year
The Waikato Expressway is a NZ$1 billion plus project that will increase journey reliability, provide a safer route and reduce travel time between Auckland and Cambridge by 20 minutes, driving inter-regional and national economic growth and productivity.
IPENZ Awards 2014
Opus won the following awards:
2013 Business School Best Thesis Award
Senior Asset Manager, Anna Robak won the 2013 Business School Best Thesis Award at the University of South Australia Business School for her thesis entitled 'Identifying and monetising the impacts of potable water supply infrastructure investments in New Zealand using stated and revealed preferences'.


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A suburban Chicago man who stayed in a Joliet, Ill. motel room with his dead girlfriend's corpse for two days, while buying alcohol with her money, was sentenced to one and a half years in prison Wednesday.
Derek Tanke, 43, pleaded guilty to using his girlfriend's ATM card to buy a bottle of vodka two days after Nancy Johnson, 54, passed away at the Bel-Air Motel room they had been sharing, Joliet Patch reports. Tanke was convicted of concealing a death and unlawful credit card use.
Tanke had been arrested six times previously for beating Johnson.
He reportedly told police that he punched the woman in the face several times days before she died, but the Chicago Sun-Times reports that Johnston had several medical problems and died of cirrhosis of the liver, a cause unrelated to the assault. Tanke was homeless when Johnston died in February, according to court records.


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The Toronto SharePoint Users Group (TSPUG) supports the SharePoint community in southern Ontario and they meet on the third Wednesday of each month. Each meeting features a catered social, Q&A, and a featured presentation. All are welcome!
The group will be meeting on Wednesday, September 19, 2012 at 6:00 PM. It will be located at the KPMG building, which is at 333 Bay Street, Suite 4600, Toronto. The featured speaker will be Peter Carson, President of Envision IT.
This talk will discuss upgrading a SharePoint 2010 publishing site to SharePoint 2013, along with an overview of the changes and new features in Web Content Management (WCM) in SharePoint 2013.
The first part of the talk will be a discussion of the process for upgrading a site to 2013, as well as a live demo of that process using http://blog.petercarson.ca. The main steps I'll be following are:
The second half of the talk will be a walk-through of some of the cool new features in 2013 from a WCM perspective. These include:
For more details and to register, visit the TSPUG website event page here: http://www.meetup.com/TorontoSPUG/events/69086932/
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A call has been made to the United Nations to establishment of the International Year of Camels, reports NaijaAgroNet.
The President Bolivia, Evo Morales made this proposal during a meeting with the Director-General of the Food and Agriculture Organistion (FAO), Graziano da Silva.
NaijaAgroNet also reports that the Bolivian President call came on the heels of a similar call to the UN in 2013 for an International Year of Quinoa.
The country, NaijaAgroNet gathered hopes this call will galvanise spotlight on the contribution these hardy animals can make to supporting farming and food security in other world regions, especially in developing countries.
The two men also discussed conducting a joint study to review the impacts of the International Year of Quinoa and facilitate more widespread production and consumption of the highly nutritious, grain-like crop sometimes called "Andean superfood."
Uboshe Uboshe/GEE
… Linking agrobiz, sustainable environs, people & technology
This post was originally published at Naija AgroNet by ITRealms DSA. It has been republished here with permission.


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Throughout the year, we hold pyjama parties in our classes to teach essential water safety skills in a fun and controlled environment. We use our Autumn PJ parties to raise awareness and funds for a charity in our area. Often our customers have had a direct need for the chosen charity so it's a great way for them, and the rest of the Puddle Ducks family, to give back to such a worthy cause.
We've received a brilliant number of nominations and now it's time for YOU to choose who we support during November.
Please see below for a list and brief description of the nominated charities. You can cast your vote (just once per person please!) at the bottom of this page. Voting closes at 09.30 on Monday 10th October and the winning charity will be announced later that day.
Here's a list of the nominated charities:
- Juvenile Diabetes Research Foundation
- Stick 'n' Step
- Marie Curie
- Kicks Count
- Ronald McDonald House Arrowe Park
- Northern Lights Children's Charity
- Claire House
- Babygrow Appeal
- Macmillan Nurses
- Ickle Pickles, Arrowe Park
- The Besom
- R Charity
- Cheshire Down's Syndrome Support Group
- North West Human Milk Bank
- Hospice of the Good Shepherd
And here's a brief summary about the charities and why they were nominated:
1) Juvenile Diabetes Research Foundation
Nominated by Sarah Graves, Puddle Ducks customer and mum to 5 year old Max.
We fund research to cure, treat and prevent type 1 diabetes. We work with government, academia and industry to accelerate research in the UK and within healthcare policy to ensure that the outcomes of research are delivered to people with type 1 in the UK.
The charity I would like to nominate for pyjama week is 'Juvenile Diabetes' for young children living with type 1 diabetes. My son Max has type 1 diabetes and is treated by the Paediatric Diabetes Team at the Countess of Chester hospital. They do a fantastic job supporting children and their families in Chester and on the Wirral. The money raised could be given directly to this department so would benefit local children. The children living with this condition can be as young as 18 months and we found out about Max when he was 2.5yrs.
2) Stick 'n' Step
Nominated by Puddle Ducks customer Lisa Marie Williams and mum to Harrison.
Working with children with cerebral palsy and their families across the North West.
Lisa Marie says, my son Harrison swims on a Sunday and he has cerebral palsy. Every Monday and Thursday he visits Stick 'n' Step and they offer alternative therapy to children with cerebral palsy. They don't only support the children, they support the parents as well. My son couldn't even crawl when he started and now he can walk in a walker. I don't think he would be where he is where he is today if it wasn't for them and I also have in turn have met like-minded parents. They help all children and young adults. Stick 'n' Step isn't government funded, they solely rely on charity to progress. There is a massive waiting list and they want to open another centre. I would be so grateful if you would consider them.
3) Marie Curie
Nominated by Puddle Ducks mum Lynsey Shepard.
Marie Curie are there for people living with any terminal illness, and their families. They offer expert care, guidance and support to help them get the most from the time they have left.
Lynsey says, "I would like to nominate Marie Curie. They do tremendous work and offer great support to many people. My brother-in-law is undergoing chemotherapy at the moment and has received great support from them. Even practical help like helping him with a grant that he was entitled to, to buy new clothes because he has lost so much weight".
4) Kicks Count
Nominated by Puddle Ducks mum Sarah Boyle
Kicks Count is a UK registered charity that aims to empower mums to be with knowledge and confidence throughout their pregnancy.
Sarah has chosen to nominate Kicks Count (formerly Count the Kicks) as it does such invaluable work for pregnant mothers and their family members.
5) Ronald McDonald House, Arrowe Park
Nominated by Rhian Innerd Puddle Ducks customer and mum to Max.
Ronald McDonald House Charities provide free 'home away from home' accommodation at specialist children's hospitals across the UK, enabling families to stay close to their child and maintain a degree of normal family life.
Mum Rhian nominated this cause as her son was born 8 weeks early last year. She lived in Ronald McDonald House Arrowe Park for a month whilst her son stayed in the neonatal ward. She said that the care she received during Max's time there and the ongoing support from the Neomates group afterwards was invaluable.
6) Northern Lights Children's Charity
Nominated by Puddle Ducks mum Vicky Chapman.
I would like to nominate Northern Lights Children's Charity, a local Neston based charity and we are all volunteers who work to take children aged 6-11 from the North West with life-limiting illnesses on a holiday of a lifetime to Lapland to see Santa. Every year we take 20 children along with volunteers and nurses for a 5 day trip to experience the magic of Christmas in Lapland.
Northern Lights celebrate 30 years in 2017 and with the support of events like this hopefully we can continue with our work for many more years. This is a charity very close to my heart as I have been involved with them all my life with members of my family being founding members. I have seen what these children go through whilst having their treatment as part of my career and have seen the joy they get from these holidays a number of times and their reactions still bring tears to my eyes.
7) Claire House
Nominated by Puddle Ducks mum Natasha Williamson
Claire House is at the heart of the community on the Wirral, in Merseyside and Cheshire and provides a home from home hospice for children with life-limiting conditions aged from birth to 23 years old. Despite what people may think of when they hear the term 'children's hospice', it is a vibrant place, full of fun and laughter.
Simply put Claire House offers a safe haven, whether to give a family a well-earned break and their child a fun and memorable stay, or to be an anchor for families facing the worst time of their lives. Every penny that is donated to Claire House supports each and every team to be able to deliver these crucial and much-needed services.
8) Babygrow Appeal
Nominated by Val Williams, Puddle Ducks Grandma to Jacob Heaps
The Babygrow Appeal was launched to raise money to build a new Neonatal Unit that will provide better facilities and a more spacious environment for the babies and their families.
Val says, "I would like to nominate the Babygrow appeal at the Countess of Chester hospital. Our grandson, Jacob Heap, has just started Puddle Ducks. He will be four in December. He was born, a twin, ten weeks early. Sadly his brother died, but Jacob was looked after in the neonatal unit at Chester for six weeks where he received wonderful care. He is now a healthy, happy and very lively four year old!
There are many other children, like Jacob, who owe their lives to the neonatal unit and the Babygrow Appeal enables the work to continue".
9) Macmillan Nurses
Nominated by Puddle Ducks mum Emily Mackenzie
Right from diagnosis, through your treatment and beyond, MacMillan provides a source of support to those with cancer.
Emily says, I lost my Aunty last week to cancer and the support they have given her and my family over the last 18 months has been exceptional.
10) Ickle Pickles
Nominated by Puddle Ducks mum Liz Sharp
Ickle Pickles are the smallest and sickest babies who need intensive care in Neonatal Units – whether born too soon or with an illness the NHS cares for over 20,000 ickle pickles every year.
Although a national charity, voting for Ickle Pickles would support its work with Arrowe Park Hospital, Wirral
11) The Besom
Nominated by Puddle Ducks mum Natalie Walsh
I would like to nominate The Besom charity on the Wirral. They provide a bridge between those who wish to give and those truly in need, including the recently rehoused, those in hostels, single mums and those who cannot afford to eat. Contributions to this charity are implemented in local communities.
12) R Charity
Nominated by Puddle Ducks mum Hayley McShane
This charity is raising funds for the new Royal Hospital, Liverpool to provide specialist equipment above and beyond the NHS promise of care, including 3D mammography imagining equipment for the breast cancer unit which will reduce waiting times and give piece of mind to the patients and their families.
13) Cheshire Down Syndrome Support Group
Nominated by Julie Duff
Cheshire Down's Syndrome Support Group (CDSSG) is a small local charity supporting families and children with Down's Syndrome (DS). The charity was established in 2007. It is entirely self-funded and reliant on support from families and volunteers.
Many new parents leave hospital with little or no information about their child's diagnosis and this can be a frightening experience and very emotional time. CDSSG are continuing to build stronger links with hospitals to provide support for midwives and new parents. Every family's experiences are different and we work with parents, carers and schools to provide emotional support, practical training and advice to meet their needs.
14) North West Human Milk Bank
Nominated by Emma Savage
I would like to nominate the Northwest Human Milk Bank as the charity for your PJ week please. The milk bank is based in Chester and provides pasteurised, screened donor milk to babies in hospitals throughout the Northwest including the Countess, Arrowe Park, Liverpool Women's and Alder Hey. Donor milk helps to protect premature babies against infection in circumstances when their own mums are unable to supply milk, often due to illness or the stress of having a premature baby. The milk bank has a charitable fund which is used to purchase new equipment such as pasteurisers, freezers and refrigerators to ensure that the service can continue to supply milk.
15) Hospice of the Good Shepherd
Nominated by Philip Crawford
The Hospice of the Good Shepherd is a respected provider of palliative care for residents of Cheshire West and Chester and Deeside providing services free of charge to patients and families facing life-limiting illnesses. It provides an in-patient unit, out-patient services, a day therapy centre and offer complimentary therapies and bereavement support throughout the community. Their dedicated team of staff and healthcare professionals are available to help patients, friends, families and carers through difficult and painful times and provide practical, emotional, social and spiritual support.
At present the Hospice is running its Silver to Gold Appeal is a £2.2 million appeal that will enable them to double the size of their existing buildings and offer specialist care and support to local people in Cheshire West and Chester and Deeside for the next 25 years.


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Nominate an Outstanding Teacher for Teacher of the Year
Caroline County Public Schools supports the Maryland Teacher of the Year program by selecting a countywide Teacher of the Year. Full-time classroom, resource or media teachers, who spend the majority of their time teaching, are eligible to participate. Nominees must have completed a minimum of five years of teaching by June 2015 and be tenured. Caroline County's selection will automatically represent Caroline County in the Maryland Teacher of the Year program.
The Maryland Teacher of the Year holds a prominent position as a state education spokesperson and is Maryland's candidate for National Teacher of the Year. As the Caroline County Teacher of the Year, the teacher has an important role representing fellow teachers and working with education and community leaders to effect change.
"Teaching is, we believe, the most important of all professions," said Maryland State Superintendent of Schools Dr. Lillian Lowery. "The Maryland Teacher of the Year Program gives us an opportunity to recognize outstanding teachers and have them serve as leaders in Maryland."
Any parent, student, staff or community member may nominate a teacher for Caroline County Teacher of the Year by completing a nomination form at any school office or clicking on the form below. The form must be submitted to Mr. Brian Spiering at the Caroline County Board of Education, 204 Franklin Street, Denton, MD 21629 by March 6, 2015.


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Mallory Goes Greenby Laurie Friedman
Series: Mallory McDonald #13
155 pages, Contemporary
Reviewed by bookRacoon
Mediocre read, quite political and earth-saving oriented.
PlotMallory McDonald really loves that her school is "Going Green." Her friends and family think that going green is a good idea too. However, she starts getting out of line by making sure everything everyone does is good for the earth. She soon has to learn that her position as Group Leader for the "Going Green" project needs to be a team effort instead of her being bossy.
MoralityMallory seemed kind of immature by going overboard to save the earth. She is also completely selfish in her ideas for the Green Fair. Her dad and best friends help her to change.
Spiritual ContentGod is not mentioned in the book. Mallory keeps referring to a wishing pond when things don't go her way.
Drug and Alcohol ContentNone.
Sexual ContentNone.
Crude or Profane Language or ContentNone.
ConclusionThis book had a good plot about an innocent little girl who loved the earth. However, this book seems suspiciously political ("Save the Earth!" "Prevent Global Warming!"). In addition, as mentioned above, Mallory isn't the greatest role model. I would not really recommend this to many people, unless you have nothing better to read.
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The Division's basic neuroscience research is primarily conducted within the Brain Research Center at the UBC Campus. Areas of research include a focus on neuroimmunology, neurovirology and neurochemistry.
Dr. Wang's Laboratory
The long-standing research interest in Dr. Yu Tian Wang's laboratory has been on understanding the fundamental mechanisms controlling synaptic transmission among neurons in the brain, and the dysfunction of these mechanisms in the pathogenesis of brain disorders such as epilepsy, stroke, and learning deficits. In particular, over the last year, Dr. Wang and colleagues have made significant progresses on elucidating molecular mechanisms underlying the formation of learning and memory (Mol Brain. 4:41, 2011; Neuron 72:682, 2011; J. Physiol. 589:4321, 2011). Through these mechanistic studies, they have developed and tested several interference peptides as novel therapeutics for treatments of developmental abnormalities such as abnormal ocular dominance plasticity (amblyopia) (Sci Rep. 1:203, 2011) and learning and memory disorders (Learn Mem. 18:283, 2011; Neuropharmacol. 62:797, 2012) in various animal models. In addition, in their most recent studies, they have identified a novel glutamate binding site on glycine and on GABA-A chloride channel receptors (Nature Neurosci., 13:1225, 2010), leading to their recent efforts of screening novel ligands which may be developed into therapeutic small molecules for reducing seizure and/or brain injuries following stroke.
Other Laboratories
The labs of Drs. Steven Pelech, Joel Oger, Lorne Kastrukoff, and Neil Cashman contribute to divisional research in basic neuroscience research.


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OKLAHOMA CITY (Sept. 1, 1999) -- Charlene Stone remembers watching the huge, black funnel cloud rumble down a gully and across the back of her family's wooded two-and-a-half acres in Bridge Creek. The tornado picked their trailer up -- with she and her husband, daughter and two grandchildren screaming inside -- and set it down a short distance from its foundation blocks.
The twister also demolished a neighbor's garage and a water pump house. But it left them alive.
"My daughter said, 'Mama, the only thing I can say is God put His hand on it and said 'No they can't go.'' Because by rights, we should've been gone," she said.
A series of early May tornadoes took the lives of more than 40 residents and destroyed thousands of homes in the Oklahoma City area. Now people are trying to restore some order to their lives.
"We're into what's called fairly deep recovery," said Linda Soos-Davis, executive secretary of Oklahoma Voluntary Organizations Active in Disaster (VOAD) and human services coordinator at the Oklahoma Department of Civil Emergency Management.
"You can kind of keep up with where you are in the disaster by listening to the requests coming through the Unmet Needs Committee, and there's no immediate requests coming through for clothing and food and things like that. They're into trying to reconstruct their lives."
For the Stones, rebuilding came slowly. Their home, though not obliterated, was essentially destroyed because it could not be put back on its foundation. The family purchased a used trailer with $2,500 from the Federal Emergency Management Agency.
Stone admits that, in the desperation of the moment, they bought the first thing they saw. The trailer, they would discover, had problems: holes in the floor, rotting walls. It would be nearly two months before their water was restored, and then it ran only in the bathroom. They had no gas for cooking. All of these problems were compounded by the fact that Stone's husband, Tommy, is terminally ill. She is also disabled from cancer surgery she had several years back and can't cope with the physical demands of a disaster.
"It got to be almost too much," Stone said. Eventually, she contacted Karen Baker, the Bridge Creek case manager working through the United Methodist Committee on Relief (UMCOR). Then things started to look up.
UMCOR coordinated a team of U.S. Navy volunteers from Georgia who wanted to help people like Stone.
"When they showed up it was just, you know, a blessing," Baker said of the team's arrival. "They came in and fixed her floors, replaced toilets, put a bathroom sink in. They re-plumbed the trailer and put in a gas line so she could cook. And a hot water heater-they had no hot water."
Still, the trailer was in such bad shape that fixing it up did not represent a good long-term solution. So Baker decided the best course was to build them a house. "And so now they have a house that's all framed up. It's kind of on hold right now, but that's because all of the volunteers dropped off," she said.
Stone said she had been told that the start of the school year was responsible for the lull, and that some Mennonite work teams are scheduled to recommence work on her house early this month.
But Baker thinks volunteer numbers are decreasing as the spotlight fades. "They're just starting to drop off anyway. You know, it's not in people's minds anymore. There's a real need for skilled volunteer laborers out here," she said.
Soos-Davis echoed the need for more volunteer teams to help with the construction effort. "Basically, what we need now are builders," she said.
Of a projected 100 houses to be built, roughly a dozen have been completed. And each one has a "safe room" where family members can seek shelter during future storms, Soos-Davis said.
Faith-based groups involved in the building process include Mennonite Disaster Service, Lutheran Disaster Response, Southern Baptists and United Methodists, she said. Others involved in the long-term recovery process include Church World Service, Church of the Brethren, Presbyterian Disaster Assistance, Catholic Charities, Adventist Disaster Response, Church of Jesus Christ of the Latter Day Saints, Week of Compassion (Disciples of Christ), United Church of Christ, Salvation Army and the Christian Reformed World Relief Committee.
About half of those are involved in case management, Soos-Davis said. Case managers do more than approve people for rebuilding of their homes. Dianna Horn, a case manager working out of Southern Hills Seventh Day Adventist Church, explained: "We're basically taking a financial picture of where people were before the disaster. And then we take a financial picture of where they're at right now, and we try to help them get back to where they were."
Case managers might help people negotiate with hospitals and creditors to reduce debts, locate lawyers, or find automobiles, she said.
In one case Horn has been working on this past week, a woman injured in the tornadoes owes $24,800 to one hospital, not including doctor bills and others. She had no insurance. "And she's quit doing therapy because she's running up bills she can't pay," Horn said. Horn said she thinks she's got the bills reduced to around $8,000, except for the big tab at the hospital.
Often, funds from Oklahoma VOAD are available to help people pay their medical bills. Hospitals and doctors have demonstrated a willingness to cut bills as well, Horn said. "So everybody working together, we wipe those bills out, so the people can live," she said.
"You know what the greatest thing is, I think, of working this job? I have gotten to meet people of other faiths and we trade information and we see each other's personalities and how dedicated everybody is. It's just beautiful to see everybody working for one common goal. I think that is the most beautiful blessing out of this whole thing."
Posted Sept. 1, 1999
Related Topics:
Rare PA tornado damages homes
Wicked weather hits NE Texas
More links on Tornadoes


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It is time to wake up and stop watching sports and wondering what the Kardashians or Kanye West or Miley Cirus are up to these days. Do not be distracted by these stories that have no impact on your life. The following two videos expose that is happening in the world and how the pieces are falling into place to remove America from it's position as world leader to be replaced by a new one world government with China and Russia and the enforcers:
JPMorgan sells New York building to Chinese firm for $725 millionHONG KONG (CNNMoney)
JPMorgan Chase has sold the One Chase Manhattan Plaza skyscraper to Fosun International for $725 million, the latest in a series of New York real estate purchases by Chinese investors.
The purchase was disclosed Friday in a regulatory filing by Fosun, a Shanghai-based conglomerate that controls large swaths of China's pharmaceutical, investment, property and steel industries.
The 60-story Lower Manhattan office building is a New York landmark, and one of the anchors of the city's financial district. It's not yet clear whether the building will continue as a commercial space, or be converted to an apartment building. A JPMorgan spokesman did not immediately respond to a request for comment.
A spokeswoman for Fosun said that property will only grow in value, citing its prime location and the renovation of the nearby Fulton Street transportation hub.
The purchase is the second major property acquisition by a Chinese company in recent days as buyers with money to burn look for value outside China.
Shanghai-based Greenland Group last week became 70% owners in a joint venture that will develop Atlantic Yards, a 22-acre residential and commercial real estate project in downtown Brooklyn.
The overall project, located at a commuter rail hub, includes the Barclays Center, a basketball and hockey arena that opened last year. It is home to the NBA's Brooklyn Nets and will be home to the NHL's New York Islanders starting in 2015.
Earlier this year, a Chinese property developer took a 40% stake in the General Motors Building in Manhattan. more