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Reverse Mortgage Rates and Fees For Enterprise
Searching For Great Rates and Fees For Reverse Mortgages In Enterprise Oregon? Here Are The Things You Need To Understand About Interest Rates and Fees For Reverse Mortgage Loans.
Reverse Mortgage Rates in Enterprise OR
Not only will reverse mortgage interest rates in Enterprise vary from lender to lender. Rates will also vary depending on the loan product you choose to utilize. Here is a general guide on shopping for the best rate on a reverse mortgage in Enterprise.
1. Fixed Rate Reverse Mortgage Enterprise – Typically this will have the highest interest rate of all the options you have available. However, it also comes with the least amount of risk as you know exactly how much you will owe on the loan at anytime in the future. The down side to the fixed rate is that you are limited to the amount of equity you can gain access too. Typically the fixed rate loan is used when the reverse mortgage is being used to purchase a home or there is very little or no equity available after paying off the current liens against the property. With the fixed rate option you get a lump sum of cash and that is it.
2. Annual Adjustable Rate Reverse Mortgage Enterprise – Typically this will have the lowest interest rate available. This loan option has caps on the amount the interest rate can rise per annual adjustment and for the life of the loan. Most annual reverse mortgage ARM's can adjust one time per year and are capped at a maximum adjustment of 2% up or down. They is also a cap rate of 5% above the start rate, this is the highest the rate can adjust. For example, if your start rate was 4% the highest it could ever go would be 9%.
If you have substantial equity or your Enterprise home is paid off. The annual adjustable rate usually makes the most sense. This is because their are multiple ways to gain access to your homes equity. These options include:
- Tenure: equal monthly payments
- Term: equal monthly payments for a fixed period of months as decided by the borrower
- Line of Credit: payments made in installments or at various times and in amounts dictated by the borrower(s)
- Modified Tenure: monthly payments with a line of credit
- Modified Term: monthly payments for a fixed period of months with a line of credit
3. Monthly Adjustable Rate Reverse Mortgage in Enterprise – This interest rate option can be all over the board. It could be lower, the same or higher and the fixes rate and adjustable rate. It all really depends on who you are getting your loan through. However, most people never take this option due to the risks associated with it.
Much like the annual ARM the monthly ARM has cap rates as well. The monthly can adjust on a monthly basis and is capped at no more than a 2% adjustment up or down. The lifetime cap rate is 10% above the start rate. For example if the start rate was 4.5% the highest it could ever go would be 14.5%.
Reverse Mortgage Fees in Enterprise OR
You can pay for most of the costs of a reverse mortgage in Enterprise by financing them and having them paid from the proceeds of the loan. Financing the costs means that you do not have to pay for them out of your pocket. On the other hand, financing the costs reduces the net loan amount available to you.
The reverse mortgage loan includes several fees and charges, which includes: 1) mortgage insurance premiums (initial and annual) 2) third party charges 3) origination fee 4) interest and 5) servicing fees. The lender will discuss which fees and charges are mandatory.
You will be charged an initial mortgage insurance premium (MIP) at closing. The initial MIP will be 2% of the max claim amount. Over the life of the loan, you will be charged an annual MIP that equals 0.5% of the outstanding mortgage balance.
- Mortgage Insurance Premium
You will incur a cost for FHA mortgage insurance. The mortgage insurance guarantees that you will receive expected loan advances. You can finance the mortgage insurance premium (MIP) as part of your loan.
- Third Party Charges
Closing costs from third parties can include an appraisal, title search and insurance, surveys, inspections, recording fees, mortgage taxes, credit checks and other fees.
- Origination Fee
You will pay an origination fee to compensate the lender for processing your HECM loan. A lender can charge the greater of $2,500 or 2% of the first $200,000 of your home's value plus 1% of the amount over $200,000. Reverse mortgage origination fees in Enterprise are capped at $6,000.
- Servicing Fee
Lenders or their agents provide servicing throughout the life of the reverse mortgage. Servicing includes sending you account statements, disbursing loan proceeds and making certain that you keep up with loan requirements such as paying real estate taxes and hazard insurance premium.Lenders may charge a monthly servicing fee of no more than $30 if the loan has an annually adjusting interest rate or has a fixed interest rate. The lender may charge a monthly servicing fee of no more than $35 if the interest rate adjusts monthly. At loan closing, the lender sets aside the servicing fee and deducts the fee from your available funds. Each month the monthly servicing fee is added to your loan balance. Lenders may also choose to include the servicing fee in the mortgage interest rate.Servicing fees are not required. Some reverse mortgage lenders will charge them others will not. Some lenders may reduce their origination fee if you opt for the servicing fee. In other words, you may want to shop around to see if you can avoid paying the servicing fee.
In order to get the best reverse mortgage rates in Enterprise you need to shop around. No one single lender or loan officer has the best interest rates at any given time regardless of what they tell you. The same goes for reverse mortgage loan fees as well. In order to pay the lowest reverse mortgage fees in Enterprise you need to shop around and do lots of comparisons.
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A census first: Black voter turnout passes whites
WASHINGTON (AP) — Making history, America's blacks voted at higher rates than whites in 2012, lifting Democrat Barack Obama to victory amid voter apathy, particularly among young people, new census data show. Despite increasing population, the number of white voters declined for the first time since 1996.
Blacks were the only race or ethnic group to show an increase in voter turnout in November, most notably in the Midwest and Southeastern U.S., the Census Bureau said Wednesday. The analysis, based on a sample survey of voters last year, is viewed as the best source of government data on turnout by race and ethnicity.
Story Continued Below
The Associated Press reported last week that black voter turnout surpassed whites for the first time, based on an analysis by experts of earlier data.
In all, about 66.2 percent of eligible black voters cast ballots in 2012, up from 64.7 percent in 2008, according to census data. That compares with non-Hispanic white turnout of 64.1 percent, which fell from 66.1 percent four years earlier. As recently as 1996, blacks had turnout rates 8 percentage points lower than non-Hispanic whites.
Latino turnout dipped slightly, from 49.9 percent in 2008 to 48 percent, while Asian-American turnout was basically unchanged at 47 percent.
Voter turnout across all race and ethnic groups fell for a second consecutive presidential election, from 64 percent in 2004 to 62 percent in November, according to the census figures.
"Obama's win in 2012, despite the important Democratic constituency of young voters not participating at a high level, is good news," said Michael McDonald, a George Mason University professor who specializes in voter turnout. "The bad news is that voting is a habit — and the fact that we saw turnout declines among younger African-Americans suggests Democrats will have to work even harder to excite these voters in future elections."
The data underscore how turnout plays an important role in elections for both whites and blacks, who will remain the two largest racial groups of eligible voters for the next decade. While Hispanics are now the fast-growing demographic group, they currently make up a smaller share of eligible voters because many are children and non-citizens, limiting their electoral impact for the immediate future.
In 2012, the number of blacks who voted rose by 1.7 million. Hispanics added 1.4 million and Asian voters increased by 550,000.
Meanwhile, even though the white population is slowly increasing, the number of white voters dropped by 2 million — the first drop in absolute terms for any race or ethnic group since 1996.
By age, youth enthusiasm for voting fizzled in 2012.
About 41 percent of voters age 18-24 cast ballots in November, down 7 percentage points from 2008. The drop was greatest among whites, whose turnout fell from 49 percent to 42 percent. But young black voters also saw big declines, from 55 percent in 2008 to 49 percent. That's compared with a decline among young Hispanics from 39 percent to 34 percent.


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Jerry Gulke provides an in-depth look at what farmers need to know about crop insurance.
The 2014 crop insurance period is formally behind us, with March 17 being the last day for farmers to sign up. The spring insurance prices are at $4.62 for corn and $11.35 for soybeans, which means there is some major market risk before insurance kicks in. In 2013, the spring insurance prices were $5.65 for corn and $12.87 for beans.
Crop insurance won't likely help from a profitability standpoint this year, says Jerry Gulke, president of The Gulke Group. "Insurance will become what it was intended to be—a stop-loss vehicle acceptable to the most efficient and best managed," he says.
Both corn and soybeans are trading well above the February averages. With an 85% coverage option, the trigger point is $3.92 ($3.70 for 80% coverage). For soybeans, 85% coverage option comes in with a trigger point of $9.66.
"Corn has to drop nearly $1 per bushel for crop insurance to kick in," Gulke says. "There is huge risk on the downside. We are looking at real losses."
Hear Gulke's full audio analysis:
Gulke says he personally bought the July flex option insurance ($5.26). "Having 85% of my APH priced at $5.26 works for me since my level of insurance is much higher than $4.62," he says. "But now I'm almost forced to plant corn because my target is much higher. Even with bad basis, I could get $4.80 with my corn, which is a far cry from $3.80."
Risk Management is Key
Farmers will need to have the flexibility to use futures and options this year, Gulke says. "As a group, I think we've been shying away from using risk management tools," he says. "We've had a few years where it is easier to do nothing."
This year, he says, marketing tools will be needed to increase profits.
Gulke says farmers need to remember that even with high crop insurance coverage, they are still responsible for the remaining 15% or 20% of your production. "80% of production is covered at $4.62, the other 20% is your responsibility," he says. "A lot of times we will use futures and option to protect that portion."
Corn, Soybean Price Prospects
On March 31, USDA will release its 2014 Prospective Planting reports. Currently Gulke Group is working on its own acreage estimates. While its still not final, Gulke says, intital findings show what most have been predicting – less corn and more soybeans.
"I think we are seeing the same things that everyone else is seeing," he says. "Just about every state is lowering their acres somewhat. I wanted to see big drops in the "I" (Indiana, Illinois, Iowa) states, but I can't say that's necessarily the case."
Last year's wet harvest combined with a lot of unpriced grain in storage is also reducing corn's attractivness for this year. "The love affair with corn when it was $7, isn't so enamorous right now," he says. "They are looking for something else."
With these lower spring insurance prices, Gulke says, the push for farmers to plant corn or soybeans into the summer is gone. "The incentive to plant every acre—no matter what the timeframe is—is just not there," he says. "Last year we planted corn until June 15 in Iowa. I don't think we'll see that because the market isn't paying you to do that."
Gulke is predicting some major shocks in the March 31 Prospective Plantings report. But, he notes, even if planting intentions come in larger than anlaysts are predicting, the weather at planting will play a major role in price movement.
Want to read Jerry's take on crop insurance? Contact him at 815-721-4705 or [email protected].
Gulke Group is hosting a workshop about technical analysis, as well as a outlook conference March 25-26 in Chicago, Ill. For more information, visit www.GulkeGroup.com.
For More Information
What to Know for 2014 Crop Insurance Decisions
February 28, 2014
By: Sara Schafer, AgWeb.com Business and Crops Online Editor
Here's what to keep in mind as you pencil out your crop insurance options, in light of the new farm bill.
Market Strategy: Crop Insurance 101
January 29, 2014
By: Jerry Gulke, Top Producer Market Strategy Columnist
Crop insurance has evolved from the basic catastrophic coverage to a complicated revenue insurance vehicle, backed by USDA's Risk Management Agency, to save the farmer from himself and his banker.
Farmer-Owned Insurance
February 26, 2014
By: Ed Clark, Top Producer Business and Issues Editor
Less than two years old and owned by 10 Midwest farmers, Illinois-based Ag Armour rolled out its first crop insurance product, HarvestMAX.
Market with Crop Insurance
January 8, 2014
By: Ed Clark, Top Producer Business and Issues Editor
It's still a good three months before planters roll, but unlike the last three years, getting a jump-start on corn and soybean marketing will likely be rewarded.
More Coverage, Less Cost
January 8, 2014
By: Ed Clark, Top Producer Business and Issues Editor
This year, farmers can get more federal crop insurance coverage for the same or less money. However, with guarantee levels tied to futures prices, revenue protection (RP) will likely fall below most cost-of-production estimates.
Do You Need Weather Insurance?
January 8, 2014
By: Ed Clark, Top Producer Business and Issues Editor
New private insurance offerings that complement federal multi-peril crop insurance are attractive to risk-averse farmers.
See current market prices in AgWeb's Market Center.


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How Nike Revives a Fallen Sports Star
Lance Armstrong said that the day that his doping caught up to him was a "a $75 million day," because he lost the support of lucrative sponsors like Nike. But Nike never bailed on Tiger Woods, and now the golfer figures prominently in a new campaign.
This ad came out earlier this week and became an immediate YouTube hit. Right now, it's closing in on seven million views:
Can Armstrong ever get his sponsors back? Nike CEO Phil Knight won't rule it out, but that's a lot different than saying he'll bring him back.
As the WSJ points out, there's a substantial difference between Woods's off-the-course cheating and Armstrong's cheating, so it's hard to see the sports giant ever coming back again. Especially when Nike based entire ad campaigns on Armstrong's innocence.


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planted in the fall can produce high quality forage in the spring when harvest is in the boot stage. There ... Small grains planted this fall can protect soil from erosion as a cover crop and provide a forage ... with corn silage but also matures the most quickly, presenting harvest timing challenges. After this ...
2019 Silage Production and Management
large number of acres of corn that were planted late. Many of those acres will harvest corn as an ... considerations for harvesting immature corn as silage. In particular the 2019-29 issue of the OSU Extension ... https://agcrops.osu.edu/newsletter/corn-newsletter/2019-29/harvesting-immature-corn-silage: Harvesting Immature Corn as Silage, Rory Lewandowski, OSU Extension Wayne County ...
New Ohio State center focuses on improving food safety, preventing foodborne illness
Patricia Buck, a food safety advocate and educator, to focus on promoting science-based approaches to ... COLUMBUS, Ohio—At The Ohio State University, a new food safety center will provide a centralized ... location for food safety resources and will further establish the university as a global leader in food ...
Harvesting Immature Corn as Silage
a high-quality feedstuff, but to achieve this requires planning before harvest, monitoring plant moisture, good ... harvest practices, and good storage management. Our 2019 corn silage harvest presents some challenges, ... specifically the late planted corn that will be harvested in an immature state with little to no grain ...
Digital Mentors
The fair is over and fall activities are upon us with sights, sounds and flavors of the season. ... a whole host of problems too, ranging from lack of ability to focus to decrease in empathy for others. So, ... your teen, be the parent! This means actively trying to calm yourself by taking a break and focusing on ...
Corn Silage Best Management Practices
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Livestock Mortality Composting Certification
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Stockpile Forage to Reduce Stored Feed Costs
from harvest, and specifically overgrazing, during the fall. Fall is a critical time for perennial ... yields and crude protein content of the forage. Stockpiled forages are generally grazed in the late fall ... stockpiled, the recommendation is to begin grazing by late fall and plan to finish grazing by the end of ...
Tax Planning Considerations in an Unusual Year
sales of grain produced and harvested in year one subsequently stored and sold in the following year. ... IRS Revenue Ruling 75-145 requires the producer would have reported more than 50 percent of the income ... the first round of MFP payments were. Increased prevented planting acres this year have many producers ...


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Earning Victory Points
Victories come in various sizes. Some victories are small, others are unbelievable. Victory points are calculated by the size of the group required to complete an objective successfully. A 5 player objective awards less than one that requires 100 players to complete. These victory points are then used to calculate your Warlord Rank which is a suffix that is applied to your Family Rank and controls the level of objectives you can claim. Members can earn victory points faster by leading larger events. Only the primary leader or host of an event will earn victory points.
In addition leaders should not claim a large objective if they are not the one giving directions. If a leader "tags along" with a larger force that is not a claimable objective. Leadership should only be claimed when one is in charge of the event at hand. If other raid groups join in your event, you may claim the event only if you are the one in charge.
Information for members of the Gaiscioch & Tuatha.


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The Certified Ethical Hacker program is the pinnacle of the most
desired information security training program any information security
professional will ever want to be in. To master the hacking
technologies, you will need to become one, but an ethical one! The
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All materials are included in the cost of this course. Upon completion
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This program will immerse you into the Hacker Mindset so that you will be able to defend against future attacks. The security mindset in any organization must not be limited to the silos of a certain vendor, technologies or pieces of equipment.
Upon completion of this program, you'll know:
This ethical hacking program puts you in the driver's seat of a hands-on environment with a systematic process. Here, you will be exposed to an entirely different way of achieving optimal information security posture in your organization; by hacking it! You will scan, test, hack and secure your own systems. You will be taught the five phases of ethical hacking and the ways to approach your target and succeed at breaking in every time! The five phases include Reconnaissance, Gaining Access, Enumeration, Maintaining Access, and covering your tracks.
The hacking tools and techniques in each of these five phases are provided in detail in an encyclopedic approach to help you identify when an attack has been used against your own targets. Why then is this training called the Certified Ethical Hacker Course? This is because by using the same techniques as the bad guys, you can assess the security posture of an organization with the same approach these malicious hackers use, identify weaknesses and fix the problems before they are identified by the enemy, causing what could potentially be a catastrophic damage to your respective organization.
We live in an age where attacks are all susceptible and come from anyplace at any time and we never know how skilled, well-funded, or persistent the threat will be. Throughout the CEH course, you will be immersed in a hacker's mindset, evaluating not just logical, but physical security. Exploring every possible point of entry to find the weakest link in an organization. From the end user, the secretary, the CEO, misconfigurations, vulnerable times during migrations even information left in the dumpster.
Upon completion of this program, you will be prepared to sit for the Certified Ethical Hacker (CEH) Exam 312-50, offered by EC-Council. The registration fee for this exam is included with this program.
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SANTA BARBARA, Calif. – UC Santa Barbara's Alan Williams has been invited to participate in the prestigious Nike Big Man Skills Academy at Kean University in Union, N.J., from June 23-25.
Williams was invited to the camp on the heels of a junior season in which he was named 2014 Big West Player of the Year and Associated Press Honorable Mention All-American. He averaged 21.3 points and 11.5 rebounds per game as a junior, leading the Big West Conference in both categories and the entire nation in rebounding.
"I'm very excited and honored to have been invited and I'm really looking forward to representing UCSB and the Big West at this camp," Williams said. "It should be a lot of fun and an amazing opportunity to improve my game."
The Phoenix native led UCSB to a 21-9 record in 2013-14. In addition to his scoring and rebounding exploits, Williams averaged 2.4 blocked shots and 1.2 steals per game. In a late-November game against South Dakota State, he tied school records for points with 39 and blocked shots with eight. He also became the first Gaucho in 25 years to record a 20-20 in a game when he had 27 points and 20 rebounds in a win against UC Davis and he was a six-time Big West Player of the Week, a new record.
"There is no big man more deserving of an invitation to the Big Man Academy," said UCSB head coach Bob Williams. "Al has worked very hard to become one of the best low post players in the country and this will give him an opportunity to get even better."
Invitations to the Nike Elite Basketball Big Man Skills Academy were extended to the top 10 college big men and top 10 to 25 high school big men.
Williams becomes the second Gaucho in the last four years to earn an invitation to a Nike Skills Camp, joining Orlando Johnson who attended one in 2011.


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Online marketing is a very large playing ground where you can easily find success if you stay ahead of your competitors. But one of the most important aspects that decides your success as an online marketer is how well you handle your time. If you can finish the key tasks without encountering anything bad, then you have tackled your main problem, which is generally procrastination. So if you wish to be a very successful online marketer, then time management should be your main focus. In this article, we are going to examine three general time management tips that you can apply and build up your internet marketing business.
1) In order to control your time online, you must be willing to bend and not too rigid in your approach. In other words, you should be ready to accept a few changes here and there in your overall plan. You don't have to plan things on a day to day basis. This is because you never know when and where you'll have to customize the plan. This is why it is important that you keep in mind that the unexpected can happen and not make too many detailed plans. But, this should not have an impact on the goals of your overall online business.
2) You also need to keep in mind that you also need to take a break from work. If you overwork yourself, you will be so stressed that it will end up working against you. You need to have time to unwind but also to get your work done on schedule so you will have to space your breaks accordingly. Sitting too long in front of a computer can affect the quality of your work over a period of time because it can cause stress both from a physical and a mental viewpoint. Balancing work time and break time is critical to properly managing your time. For example, you can work in 25 minute blocks followed by 5 minute breaks, or any other cycle you are comfortable with.
3) Last but not the least; the reason you create your to-do list is because you want to be organized. This is why you should always mark off your tasks once you have finished them. This makes you feel good that they are completed and makes it simple for doing more tasks in the future. There are many times when just finishing and marking off the tiniest of jobs can make you feel wonderful, which is what is needed to motivate you.
It is clear from this article that simple strategies can have an impact on how you manage your time. If you are just starting, you need to be prepared for the fact that it will take a while to get everything sorted out and in place. Getting started is the key. Procrastination is not a solution as things need to get done on time and there is no excuse for that. Make proper time management a habit by employing the ideas in this article.
Peter Zmijewski is the founder and CEO at KeywordSpy. Through Internet Marketing he places his name on great search engine like-GOOGLE who is also called as Innovator, Investor, Internet Marketing Guru and Entrepreneur. For more updates don't go away, please stay with us.


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Loose Genuine Gem Mystic Sunrise Topaz Gem, Emerald Shape, Grade AAA, 10.00 x 8.00 mm in Size, 4.25 CaratsItem Number: mystic-sunrise-topaz-emerald-10-00 x 8-00 mm
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Loose Genuine Gem Mystic Sunrise Topaz Gem, Emerald Shape, Grade AAA, 10.00 x 8.00 mm in Size, 4.25 CaratsItem Number: mystic-sunrise-topaz-emerald-10-00 x 8-00 mm
gemstone detail
- Price / Carat 10
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- Clarity Eye Clean
- Shape Emerald
- Make Very Good
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NBC's 2014-15 lineup continued to take shape Thursday, as the network picked up three new series, "Constantine," "A to Z" and "The Mysteries of Laura."
Solidifying a trend for shows adapted from comic books, "Constantine" is based on the "Hellblazer" series from DC Comics. It follows John Constantine (Matt Ryan, "Criminal Minds: Suspect Behavior"), a demon hunter and master of the occult reluctantly drawn back into the fight against darkness when demons target Liv (Lucy Griffiths, "True Blood"), the daughter of an old friend.
"Dexter" writer Daniel Cerone penned the pilot script and will serve as executive producer with "DaVinci's Demons" creator and "Batman Begins" screenwriter David S. Goyer.
Fresh off playing Tracy, a.k.a. The Mother, on "How I Met Your Mother," Cristin Milioti will star in "A to Z," another sitcom that looks back at the origins of a romance. She plays Zelda, a strait-laced lawyer who falls for secret romantic Andrew (Ben Feldman, "Mad Men") after a computer glitch -- or was it destiny? -- leads to a chance meeting.
Writer Ben Queen ("Drive"), Rashida Jones ("Parks and Recreation") and Will McCormack ("Will & Grace") serve as executive producers. "A to Z" is the second relationship-centric sitcom pickup for NBC this upfront season, following a series order for the Casey Wilson-Ken Marino vehicle "Marry Me."
Rounding out Thursday's pickups is "The Mysteries of Laura." Adapted from a Spanish series, it stars Debra Messing (most recently of "Smash") as Laura Diamond, a brilliant NYPD homicide detective. She balances her day job with an equally demanding home life that includes unruly twin boys and a would-be ex-husband who won't sign the divorce papers -- and just so happens to become her boss at the precinct.
Billed as a "hilariously authentic look at what it really means to be a working mom today," "The Mysteries of Laura" hails from "Boston Legal" writer Jeff Rake and "3 Days to Kill" director McG will executive produce with Greg Berlanti ("Brothers & Sisters"), Aaron Kaplan ("The Neighbors") and Todd Lituchy.
On Tuesday, NBC ordered the comedy "Marry Me" and dramas "Allegiance," "State of Affairs" and Odyssey."


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Louisiana Department of Wildlife and Fisheries (LDWF) Enforcement Division agents with the Special Investigations Unit (SIU) arrested two New Iberia men on Aug. 3 for allegedly falsifying trip ticket information and booked them into the East Baton Rouge Parish Jail.
An Ly, 36, owner of Ly Ly Seafood, and Samith Huynh, 31, allegedly falsified trip ticket documents from January through April of this year in order to file a claim with BP America due to the Transocean Deepwater Horizon oil spill.
Ly and Huynh were charged for filing false public records and injuring public records. Huynh was also charged with theft by fraud, and Ly was charged with conspiracy to commit theft by fraud. All charges against the men are classified as felonies.
The trip tickets were filed with LDWF on June 15 and July 7 and represented 6,347 pounds of crabs with a value of $9,548.91.
SIU agents met with Ly and Huynh on July 28 after receiving a complaint from the department's trip ticket section. According to the arrest warrant, both men admitted they did not sell or purchase any crabs after agents told the men that Huynh did not possess a commercial fishing license from January through April of this year. Huynh did purchase his commercial fishing license at the department in May.
Ly stated that he signed and mailed the trip tickets to LDWF headquarters in Baton Rouge after Huynh filled them out. Huynh stated that he received checks from BP America for $5,000 in May and $5,000 in June according to the arrest warrant.
If convicted, both could face fines up to $5,000 and up to five years in jail with or without hard labor for each charge of falsifying and injuring public records. For the conspiracy to commit theft by fraud and theft by fraud charges, both face fines up to $10,000 and up to 10 years in jail with or without hard labor.
"We want to ensure our commercial fishermen and dealers are compensated fairly by using accurate trip ticket information," said Col. Winton Vidrine, head of LDWF's Enforcement Division. "We do not want to see commercial fishermen or dealers tempted to commit felony violations by falsifying trip ticket documents."
LDWF routinely reviews every trip ticket received from the commercial fishing industry to ensure that the most accurate data are collected and properly reflect the important role the state of Louisiana plays in the production of seafood.
These reviews are critical to ensure that commercial fishermen and wholesale/retail dealers are appropriately credited with landings in the event of compensation that results from a natural disaster such as Hurricanes Katrina and Rita in 2005 and the current BP America oil spill.
BP America is requesting commercial fishermen to provide landings information from 2007-10 to determine eligibility for financial assistance. LDWF is providing a landings data report back to commercial fishermen, when requested, to assist with this eligibility process.
The review of trip tickets has become even more critical during this time period considering that the previous years are being used to establish eligibility for assistance. Any trip tickets from previous years are being subjected to another layer of review by LDWF staff to confirm their validity.
"The information provided on a trip ticket is the best way for the department to establish the value of Louisiana fisheries and the importance of those fisheries to the nation. Trip ticket data also plays a key role in the managing of fisheries in Louisiana to ensure sustainability," said Michelle Kasprzak, LDWF Trip Ticket Program administrator. "We ask that trip tickets be completed accurately and submitted on time as required. Inaccurate or embellished trip tickets will be investigated by the department's Law Enforcement Division."
Trip tickets are filled out at the first point of sale between a commercial fisherman and wholesale/retail dealer or fresh product license holder and are due on the 10th of every month. Trip tickets are then entered into LDWFs Trip Ticket Program's database.
Commercial fishermen and wholesale/retail dealers may request their trip ticket landings by following the instructions on the LDWF Web site at www.wlf.louisiana.gov/oilspill or calling the trip ticket section at 225-765-2399.
For more information, contact Adam Einck at 225-765-2465 or firstname.lastname@example.com.


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|Nick Kukuc hit the ground
running for North Central and finished with 250 yards.
Photo by Joe Bergman, d3photography.com
The longest trip taken by a NCAA Division III football team did
little to slow down the North Central Cardinals on Saturday, as
they came out of the gate running and blew past the California
Lutheran Kingsmen, 41-21, at William Rolland Stadium in the first
round of the NCAA Division III football playoffs.
The Cardinals (9-2) won for the fifth straight time in the first round of the postseason, putting up 528 total yards and establishing control early with a 24-point first quarter.
"I thought our guys played really hard," said North Central head coach John Thorne. "They were definitely ready when the game started. The offense got going early and the defense got several stops. The guys did a good job running the clock down in the second half.
"I thought Cal Lutheran played a great game. It was a lot closer than the score shows. We made some big plays, and they just missed on some of their opportunities for big plays, partially because our guys made it happen."
North Central was also the beneficiary of the efforts of running back Nick Kukuc, who gained a career-high 250 yards on 20 carries, coming up just 10 yards short of the Cardinals' single-game record. Kukuc did break his own single-season school record, currently owning 1,259 rushing yards this season.
"We knew we had to run the ball," Kukuc said. "The offensive line did great. We had some mistakes here and there, but we know our main focus is to run the ball and we knew we could do that. We did well, but we know we can do better."
Kukuc threw the opening punch soon after the bell sounded, taking the second play from scrimmage 79 yards to the end zone for a touchdown. The Cardinals fumbled away their next possession, but needed just three plays to score once again after forcing a CLU punt. Quarterback Spencer Stanek completed a 25-yard pass to Ryan Szudarki and handed off to Kukuc for 23 yards before calling his own number on the option and running 11 yards to the end zone.
North Central's special-teams unit came up big on the next play, forcing a fumble which was recovered by P.J. Crotty at the Kingsmen's 25-yard line. Kicker Nick Dace came on to knock in a 38-yard field goal with 4:55 on the first-quarter clock, boosting the lead to 17-0.
Cal Lutheran (8-2) saw is next possession result in a fumble as well, as Joey Michals pounced on the loose ball at the Cardinals' 25. Four plays later, the visitors were in the end zone again. On third down-and-21, Stanek fired a deep pass to Jeff Stolzenburg, who collected the ball and tiptoed down the sideline for a 54-yard TD with 18 seconds left in the opening period.
The Kingsmen got on the board midway through the second quarter, intercepting a pass at their own 33 and embarking on an 11-play, 67-yard drive which culminated in a 3-yard scoring run by Ryan Zirbel with 4:34 on the clock. North Central fumbled on its next play from scrimmage and the hosts had a chance to further cut into the lead, but the Cardinals' Josh Fick forced a fumble on fourth-and-goal at the 1-yard line and Michals recovered to negate the threat.
Stanek got the Cardinals out of the shadow of their own end zone with a 48-yard bomb to Stolzenburg, and Dace closed the half with a 49-yard field goal to send North Central into the locker room with a 27-7 halftime advantage.
The Cardinals forced a punt on the opening drive of the second half, and Kukuc ran four times for 66 yards in a seven-play, 77-yard drive which ended with Stanek's 13-yard TD pass to Stolzenburg with 9:11 on the clock in the third period. North Central opened its final scoring drive at its own 32 after Josh Mitchell intercepted a pass from Kingsmen quarterback Zach Shultis, as Stanek foundChad O'Kane for a 34-yard score on third down.
North Central's defense held Cal Lutheran to 324 total yards, roughly 200 below the Kingsmen's season average, and forced four turnovers while recording four quarterback sacks. Michals led the way with nine tackles, two tackles for loss and a sack, while Alex Pirela made eight stops and Josh Beveridge tallied two sacks to give him a team-high 7.5 for the season.
"The getting the job done today was the game plan our coaches put together," Michals said. "We knew they were a great offensive team, and they showed it today. We just wanted to go about our business like we do every week. Our defensive line played great and the secondary did a great job as well. I think everyone just played hard and the game plan was what did it for us."
Stanek completed 13 of 19 passes for 236 yards, while Stolzenburg hauled in a career-high 121 yards on four catches. The Cardinals recorded 26 first downs and did not punt all afternoon.
Shultis completed 18 of 26 pases for 171 yards, while receiver Eric Rogers caught nine passes for 111 yards and two scores and Romello Goodman paced Cal Lutheran's ground game with 70 yards on 16 carrie. Dontaie Ferguson led the Kingsmen with a game-high 11 tackles.
The Cardinals advance to next Saturday's second round, traveling to face Linfield, a 27-24 winner over Pacific Lutheran in the first round.
"It's going to be a lot of travel involved," Thorne said, "but we need these guys to be able to finish their final exams, and we're looking forward to studying the tapes and trying to figure out a game plan and watching our guys execute it."


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6mm Thick Industrial Bar Stud Post Earrings Solid Gold
6mm Thick Industrial Bar Stud Post Earrings Solid Gold
Petite yet substantial and industrial. Bar available in 14k rose, yellow, green, or white gold. (Please choose your size first, then click 'add to cart' for the gold option prompt.) The post will be made in 14k yellow gold.
Item Details:
Material: 14k Gold (Solid Gold)
Dimensions: vary slightly, approximately 6mm to 7mm in length, 1.5mm in thickness
Posts: 14k Yellow Gold
Backs: Silicone
Number: Select during checkout
- Unless otherwise stated, all of our items are made to order. Your order will be ready to ship approximately 3-4 weeks after your payment has been received.
- One of a Kind and Ready to Ship items are shipped within 3-5 days of receipt of payment.
- Regarding our white gold: We do not rhodium plate our white gold. Any white gold will have the natural look of raw white gold (a warm grey color).
- Regarding our rose gold: We do not use rose gold solder to fabricate our jewelry. Rose gold solder contains cadmium and is toxic to use. Any rose gold components soldered together will have yellow gold solder.
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