text:
Princess Anne Gossip
Princess Anne gossip, latest news, photos, and video.
Big G couldn't cockblock the Magna Carta
PETER NICHOLLS/ WPA Pool/ Chris Jackson/ Getty Images
The Queen and Prince Philip were joined by Prince William and Princess Anne at the event to mark the 800th anniversary of the Magna Carta today at Runnymede which is close to Windsor which, of course, is where Windsor Castle is –the Queen's preferred home, where the Order of the Garter service happens. Full Story
The Royals 1.4: The Queen burns down a distillery
Max Mumby/Indigo/ WPA Pool/ BEN STANSALL/ Getty Images
The Royals Season 1, Episode 4 recap Usually I title recaps with a notable line of dialogue from that week's episode, but The Royals simply doesn't provide notable dialogue, so for this show, I'm switching to the most absurd thing that happens in the episode. This week, it's Helena's revenge on a peasanty whiskey distiller who dares speaks to her in Snide Tones. Full Story
Hot Harry's pinch on the cheek
Something about these photos I love so much... Here are more shots of Prince Harry at the velodrome yesterday. Click here if you missed him getting fist pumpy in the stands. As previously mentioned, Harry was there with his cousin Peter Phillips. His aunt, Peter's mother, Princess Anne, was there too. Full Story
The Cambridges are also the Strathearns
Chris Jackson/Getty
Prince William was made Knight of the Thistle in Edinburgh. In Scotland then, he and his Catherine will be known as the Earl and Countess of Strathearn. She had a plaid scarf with her to mark the occasion. The Queen and Prince Philip were also there, along with Princess Anne, except today they keep calling her the Princess Royal which, obviously, is her proper style except it's a mystery to cultural pigs like me why they seemingly arbitrarily use one and not the other and vice versa and when. Full Story
She won't cry or try to escape
It's not a royal wedding, technically, right? Because Zara Phillips does not hold a royal title? Princess Anne specifically chose not to burden her children with one. But she is the Queen's eldest granddaughter. So even though it's not officially a royal wedding, there will be royals, many of them, in attendance. Full Story


text:
As every discerning person knows, "The Searchers" is the greatest movie ever made. It is loosely based on the real story of Cynthia Ann Parker, who was abducted from her East Texas home in 1836 when she was 9 years old by Comanche raiders, who then raised her and kept her for 24 years.
John Ford's 1956 movie focuses not on the abducted girl but on her uncle and adopted brother, who, in that telling, spend seven years tracking her and her abductors down.
The center of the movie is Ethan Edwards, played by John Wayne. He is as morally ambiguous a figure as movies can produce, at once brave, loyal, caring and honest, but also vengeful, hateful, dangerous and tainted by racism. As Glenn Frankel notes in "The Searchers," his recent book on the movie, Edwards spends much of the film in pursuit of an old-fashioned honor killing. At least at first, he doesn't want to rescue his niece; he wants to find her and kill her to enforce his brand of racial and sexual purity.
Classics can be interpreted in different ways. These days, "The Searchers" can be profitably seen as a story about men who are caught on the wrong side of a historical transition.
The movie's West was a wild, lawless place, requiring a certain sort of person to tame it. As the University of Virginia literary critic Paul Cantor has pointed out, that person had prepolitical virtues, a willingness to seek revenge, to mete out justice on his own. That kind of person, the hero of most westerns, is hard, confrontational, raw and tough to control.
But, as this sort of classic western hero tames the West, he makes himself obsolete. Once the western towns have been pacified, there's no need for his capacity for violence, nor his righteous fury.
As Cantor notes, "The Searchers" is about this moment of transition. Civilization is coming. New sorts of people are bringing education, refinement, marriage and institutionalized justice. Crimes are no longer to be punished by the righteous gunfighter but by law.
Ethan Edwards made this world possible, but he is unfit to live in it. At the end of the movie, after seven years of effort, he brings the abducted young woman home. The girl is ushered inside, but, in one of the iconic images in Hollywood history, Edwards can't cross the threshold. Because he is tainted by violence, he can't be part of domestic joy he made possible. He is framed by the doorway and eventually walks away.
That image of the man outside the doorway is germane today, in a different and even more tragic manner. Over the past few decades, millions of men have been caught on the wrong side of a historic transition, unable to cross the threshold into the new economy.
Their plight is captured in the labor statistics. Male labor force participation has been in steady decline for generations. In addition, as Floyd Norris noted in The Times on Saturday, all the private sector jobs lost by women during the Great Recession have been recaptured, but men still have a long way to go.
In 1954, 96 percent of American men between 25 and 54 years old worked. Today, 80 percent do. One-fifth of men in their prime working ages are out of the labor force.
As Nicholas Eberstadt of the American Enterprise Institute has put it, "The situation here is basically a disaster, a crisis far worse than most commentators and policy makers seem to recognize, and with no clear prospects for appreciable improvement over the near-term horizon."
The definitive explanation for this catastrophe has yet to be written. Some of the problem clearly has to do with changes in family structure. Work by David Autor of the Massachusetts Institute of Technology suggests that men raised in fatherless homes, without as many immediate masculine role models, do worse in the labor force. Some of the problem probably has to do with a mismatch between boy culture and school culture, especially in the early years.
But, surely, there has been some ineffable shift in the definition of dignity. Many men were raised with a certain image of male dignity, which emphasized autonomy, reticence, ruggedness, invulnerability and the competitive virtues. Now, thanks to a communications economy, they find themselves in a world that values expressiveness, interpersonal ease, vulnerability and the cooperative virtues.
Surely, part of the situation is that many men simply do not want to put themselves in positions they find humiliating. A high school student doesn't want to persist in a school where he feels looked down on. A guy in his 50s doesn't want to find work in a place where he'll be told what to do by savvy young things.
There are millions of men on the threshold. They can see through the doorway to what's inside. But they're unable or unwilling to come across.

subset: commoncrawl


text:
Movie Stars and Gossip
Meet Emerson Jay Swisher! Nick and JoAnna Garcia Swisher introduce their 4-week-old daughter in a sweet shot posted on their Twitter pages Tuesday.
"Who's ready to see Emerson Jay Swisher?!" the Cleveland Indians first baseman, 32, wrote before retweeting his wife, who added, "Nick and I would like you all to meet our little angel."
Baby Emme, as the couple is calling her, is pictured swaddled in a basket, wearing a headband and surrounded by flowers.
"Since the arrival of baby Emerson, Nick and I have been so filled with love, joy and gratitude," the actress, 33, wrote a week after the birth of her daughter. "Finally getting the chance to check back in with twitter and I'm totally overwhelmed by the outpouring of love … you tweeps are the best! Thank you!!"
Jacqueline Jo Photography. Inset:Paul Marks/Broadi
– Sarah Michaud


text:
Mar 27, 2007 | ISBN 9780345460554
Praise for Starfist
"Caution! Any book written by Dan Cragg and David Sherman is bound to be addictive. . . . The authors have a deep firsthand knowledge of warfare, an enthralling vision of the future, and the skill of veteran writers. Fans of military fiction, science fiction, and suspense will all get their money's worth. . . . [These novels are] fast, realistic, moral . . . and hard to put down. Sherman and Cragg are a great team!"—Ralph Peters, New York Times bestselling author of Red Army
"A fast-paced tale of military heroics and personal courage."—Library Journal, on Starfist
"This is state-of-the-art military science fiction."—Publishers Weekly (starred review)


text:
Fundraising Group Member - Telford
Apply Now
Why we need you:
Every step we make towards beating cancer relies on every pound, every hour and every person. We are recruiting a new group in the Telford area to raise awareness and life-saving funds to help beat cancer sooner.
Thanks to the generosity of our volunteers and supporters, Cancer Research UK funds over 4,000 scientists, doctors and nurses across the UK. If you're looking to get involved with something different and make a difference then being part of a new Telford Fundraising Group could be for you.
What will you be doing?
Identifying new ideas and opportunities to maximise local fundraising efforts
Helping to plan and coordinate group fundraising activities
Promoting fundraising events and initiatives in the local community
Attending group meetings
Representing Cancer Research UK and your group in the local community
Keeping up to date with the latest news and activities from Cancer Research UK and where possible helping to support and promote other Cancer Research UK events in the area.
The type of person we are looking for
You will be enthusiastic and motivated, with local knowledge of your community and a passion for the work of Cancer Research UK. You will work alongside the rest of the fundraising group to generate new ideas, build and maintain effective relationships and support the delivery of fundraising events.
What you can expect from Cancer Research UK
An induction and ongoing support and guidance from your Local Fundraising Manager as well as fellow volunteers
Advice on how to set up and promote a variety of fundraising events
The opportunity to visit one of our research laboratories to see how your money helps save lives
We will reimburse agreed out of pocket expenses
What benefits can you get from this role?
Meet like-minded people who are working together to raise money for Cancer Research UK
Know you are helping Cancer Research UK bring forward the day when all cancers are cured
Be involved in a wide range of exciting fundraising activities and events
Development and support of new and existing skills
Where will this role be based?
This is a home-based role in Telford, however part of your role will include you being 'out and about' in the community e.g. committee meetings, fundraising events etc.
How much time do you need to commit?
As this is a flexible volunteering opportunity this is something to discuss with your Local Fundraising Manager and we will help you find the best way to help beat cancer sooner.
Register your interest today and your Local Fundraising Manager will contact you to tell you more about becoming a fundraising group and find out more about your skills, experience and motivations.
Why we need you
Every step we make towards beating cancer relies on every pound, every hour and every person. We need you to help us by volunteering. Play a part in this inspiring story and volunteer. Help us to create more tomorrows.
Volunteering policy
We are committed to giving you the best experience possible and believe that the volunteer relationship is one of honour, trust and mutual understanding.


text:
The Modern Hotel is offering three hotel nights and admission to the Tree Fort Music Festival
The Modern Hotel is perfectly located in the heart of Tree Fort Music Festival country in downtown Boise. It is a stumble away from three of the top Tree Fort music venues–across the street from the Linen Building, around the corner from the Neurolux and three blocks from the Main Stage. This hotel package includes four days of concerts, along with other music happenings. Each package includes two general admission tickets to the festival for all four days, two "keep that music playing" pig lighters from the Modern and a "Welcome to the Festival, friend" drink voucher at the Modern Bar a, $20 value.
Packages are limited to guests who book all three nights, so book early to get in on the deal.


text:
Royal Star Magnolia
Magnolia stellata 'Royal Star'
Native to Japan. Deciduous small tree grows to 20'. Showy, fragrant, white flowers have up to 18 petals per flower and are narrow and strap-like. Prefers full sun in moist fertile soil. Relatively adaptable. "Royal Star" is the most common variety.
Family: Magnoliaceae
Type: Ornamental
Origin: Japan
Season: Spring
Type: Ornamental
Origin: Japan
Season: Spring


text:
Nissan Juke, Grey, HR42VTGP
Nissan Juke 1.2DIG-T Acenta+ 5-dr MY16
- Year:2016
- Exterior Colour:Grey
- Mileage:5,800 km
- Fuel:Petrol
- Power:85 kW
- Transmission:Manual
- Doors:5
- Bodystyle:Hatchback
- Availability Date:10.05.2019
- Registration:HR42VTGP
- Litres/100 km combined:0.00 l/100km
Mark White AutoCorner Witkoppen and Leslie RD, Fourways
Johannesburg 2067
(011) 465 6263
5 Pictures
0 person watching this vehicle
0 people watching this vehicle
Vehicle Description
- Acceleration: 10.8 s (0-100 km/h)
- Alarm device
- Ambient lighting
- Anti-slip control
- Baggage-rack
- CO2 emission: 1,29G,/KM g/km
- CO2 emission (alternative): 129 g/km
- Central locking
- Cruise control
- Divided back seats
- 5 doors
- 4x2
- Electric windows
- Electronically retractable wing mirror
- Fog lamp
- Fold-flat passenger seat
- Fuel cons. combined: 5.6 l/100km
- Fuel cons. combined (alternative): 5.6
- 6 gears
- ISOFIX Child seat fastener
- Immobiliser
- Keyless Start/Go
- Lane departure warning system
- Microphone
- Multifunctional steering wheel
- On-board computer
- Outside mirror electr.
- Rain sensor
- Rear window wiper
- 5 seats
- Servo steering
- Speed limit: 178 km/h
- Start-Stop-Automatic
- Temperature display
- Vertical seat adjustment
- 72 months of guarantee
Acceleration 0-100 km/h10.8 secs
Displacement1,200 cc
Top speed178 km
Power85 kW
Width1,765 mm
Length4,135 mm
Height1,565 mm
Combined5.6 l/100km
CO2 Emissions129.0 g/km
Contact us
* Mandatory fields
Nissan intelligent choice: The obvious choice for pre-owned cars
When buying a pre-owned car, what do you expect it to do? 1. DRIVE YOU FROM A TO B or 2. DRIVE YOU UP THE WALL OR would you rather get? 1. RELIABILITY or 2. A LIABILITY With Nissan Intelligent Choice the answer is obvious - option 1, where certified pre-owned cars are exclusively available from Nissan Intelligent Choice dealers so that we can guarantee the highest quality and an incredible driving experience and ownership journey for you. Terms and conditions apply
Buy or Finance: Nissan Micra Active Used Cars
Choose fun, Choose Micra Active as the perfect used car for your everyday thrills. More value for the owner that needs an economical and efficient city driving car. When a pre-owned Micra Active is combined with the ownership benefits of Nissan Intelligent Choice, peace of mind is guaranteed.


text:
Tooling Update
Future Products Adds Five-Axis CNC Machining Center
A new Hermle C 400 five-axis CNC machining center has landed on the production floor of Future Products, Clawson, MI, a manufacturer of precision die tooling and machined components. The machine excels in milling complex geometries while retaining precision and optimum surface finishes.
"We are proud to be the first company in the United States to install this state-of-the-art machine," says company president Irvin Swider. In addition to five-axis machining, Future Products, which is celebrating its 50th anniversary this year, performs wire and sinker EDM, turning and milling, surface grinding and jig grinding.Future Products: 800/237-5754; www.future-products.com
See also: Future Products Tool Corporation
Related Enterprise Zones: Tool & Die


text:
Newton Senior (NSHS) Class of 1943 Alumni List
Help us Update the Newton Senior 1943 Class List by adding any names missing from the list below:
Registered Alumni
1943 Class List
Know Newton Senior Class of 1943 graduates that are NOT on this List? Help us Update the 1943 Class List by adding missing names.
Reunions and Newton Senior High School News
More 1943 alumni from Newton Senior HS Newton, IA have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1943 alumni.
Alumni from the Newton Senior High School class of 1943 that have been added to this alumni directory are shown on this page. All of the people on this page graduated in '43 from Newton Senior . You can register for free to add your name to the NSHS alumni directory.
If you are a former student of Newton Senior HS in Newton, Iowa, register now to add your name.


text:
I received notice of a Paypal scam, and thought it best to notify the board of how it works.
Seller sells the item and receives payment via Paypal from buyer. Seller ships item. Buyer claims never to have received the item but the item is in fact delivered, but buyer delays receiving it until after the Paypal seller protection shipping requirement deadline expires. The sale is thus not consummated by Paypal rules. So, Paypal sides with the buyer, refunding their money. Buyer gets goods for free. Since you're dealing across state lines, lawsuits are expensive.
Sound practice is to require a USPS money order on transactions unless the seller is someone with a good history or someone you know first hand. USPS money orders are hard to forge, and if one tries, the feds get very serious.
I hope that we never have a problem like that here, but the report I received gives me some concern. Since the story I have is not verified, let me just suggest that you should be very careful about taking paypal from someone you do not know and trust.


text:
A couple of weeks ago in New York longtime Bay Area to NYC transplant Thembisa S. Mshaka, through her company SEEIT Films, held the premiere screening of her first movie, the short The Divorce Counselor (pic above with Rachel Noerdlinger, CEO, Noerdlinger Media is from the red carpet of that screening that received positive reviews). Already busy working on her follow up projects the LA born, Mills College alum, renaissance woman who used to oversee the rap department at now defunct San Francisco radio trade magazine The Gavin Report and later in NYC worked at SONY Music's headquarters as Advertising Copywriter, recently took time to chat with the Amoeblog about her decision to get into film making and about her career to date which she described as, "a series of amazing, blessed experiences. I was fortunate to be the first woman and African American Rap Editor for Gavin, and held the position longer than anyone before or after me--from 1993-1998."
The role of rap music editor in 1990's hip-hop was an extremely important and influential one to hold. "Being able to connect artists, radio, and record execs through Gavin during arguably hip hop's most intriguing, diverse and profitable time was incredible. It taught me the power that comes with being a member of the media. I take that power very seriously and don't take it for granted. That has guided me through all my roles as campaign writer, promo producer, and now, filmmaker," commented Mshaka whose bylines have appeared in such magazines as Honey and BLAZE where she was contributing editor penning a column that addressed the convergence of gender and hip-hop culture. Four years ago her book Put Your Dreams First: Handle Your [entertainment] Business was published by Business Plus.


text:
Have you ever been freaked out riding your bike at night, surrounded by automobiles piloted by distracted drivers? Well, here's an innovation for safer night-cycling that might be hitting the market soon (and reducing your level of stress). A team of designers has won an industrial design award for their Bike Zone invention, which creates a lighted safety zone on the ground around your bike, alerting drivers to your presence at night. The laser-projected zone extends for a meter on each side and also projects an animated directional signal. Frank Guo, Hung Wang, and Stuart Morrow, a team of independent designers, received a Bronze award for the Bike Zone design in the 2012 Lite-On Awards, a competition sponsored by Taiwan's $16 billion Lite-On Technology Corporation.
2012 was the 12th year for the Lite-On Award. The competition received 2,246 entries from designers in 11 countries. The theme of this year's competition was "Tech It Easy," and the competition stressed a less-is-more philosophy of practical simplicity in consumer product design. In a video about the event, the award's judges expressed concern that in past years designers had submitted designs that were ingenious but impractical, as they often created unnecessary complexities and costs that made their products unworkable in the real world. In a summary of the event, Lite-On says that:
"''Tech it easy' means that technology can be simple. In other words, technology can have a simple design with easy to use functionalities and energy-saving features. We fully understand that any product with a seemingly simple design is usually the result of thoughtful design and precise execution. The Lite-On Award is very pleased to see that through this competition both designers and consumers were able to foresee a smart and simple life still focused on eco-friendliness and technological development in the future."
Research indicates that bike safety lights can prevent injuries and fatalities by alerting drivers to the presence of a cyclist. A 2009 study by The Cochrane Collaborative found that "Night-time cycling is two to five times more dangerous than cycling in daylight," and that "Forty per cent of cyclist fatalities occur during the hours of darkness." Many collisions are simply due to "the late detection of other road users."
Lite-On Awards documentation gives no indication when and how Bike Zone might be made commercially available.
Via Yanko Design


text:
General Information
- Name: Islamic Center of Carol Springs (ICCS)
- Type: Mosque
- Address: 11050 Wiles Rd, Coral Springs, FL 33076, USA
- City/Locality, State: Coral Springs, Florida
- Established: Unknown
- Madhab (School of thought): Sunni
- Language Services: English, Hindi, Urdu
Local Date/Time Now
Feb 28, 2020 11:17 PM
(Timezone: America/New_York, Daylight Savings Time is not in effect)
Prayer Times
Embed on your website
(Waqt and Iqamah)
Odhu (wash)
- Adequate Odhu (wash) facilities
- Restrooms are available
- Shower facility may not be available.
- On-premise parking available
- Parking is sometime available
Facilities for Women
- Prayer space available in completely separate prayer hall.
- Odhu facilities available.
- Restrooms available.
- Shared entrance.
Wheelchair accessiblity
- Accessibility is unknown.


text:
Let's Talk Auto Liability
We believe you should fully understand the limits of your automobile liability insurance. If you are currently carrying low liability limits such as "state-minimum" coverage, it may not take much to reach or exceed these limits in the event of a major car accident. Sure, you're saving money now by paying less in premiums for car insurance, but are you prepared to cover what your car insurance won't in a "worst case" scenario? Give us a call today and rest a little easier!
"C. B. Hall Insurance Agency - Working with you to protect the things that matter most!"
Phone: (304)342-7183


text:
Mike Adams
Natural News
March 6, 2013
Hugo Chavez is dead, leaving one less control freak tyrant desecrating our planet, but one more empty seat of corruption and power to be filled. Chavez died of cancer, we are told, but the cancer of his left-leaning philosophies continues to disease our world, even rearing its head in the United States of America where government policies increasingly mirror those of Chavez.
Elected by deeply deceived Venezuelan voters in 1998, Chavez then confiscated nearly all private business across the country, amassing a personal fortune of more than $2 billion while impoverishing his countrymen under a tyranny of centralized government power. Chavez ran the kind of government that would simply declare your entire company to be "government property," then they would confiscate all your inventory, bank accounts and intellectual property while claiming it was "for the good of the People."
Chavez shows us where socialism leads
Chavez is the poster child for the inevitable result of socialism. Any nation whose voters give up their personal power and attempt to hand over authority to a nanny state government inevitably end up enslaving themselves under control freak tyrants. That, in turns, leads to poverty, injustice and habitual government violations of human rights.
Like every other statist tyrant, Chavez rose to power by blaming all the country's ills on an imaginary enemy. Just as the United States today blames all its problems on fictional "terrorists," Chavez blamed all his woes on the USA. If anything bad ever happened in Venezuela, it was America's fault, Chavez insisted. And his endless promises of restoring Venezuela to global power through centrally-controlled socialist government were nothing more than a cover story to maintain political power while he and his family members looted Venezuela of all the money they could ferret away.
Chavez was technically more of a thief than a leader, and his thievery wasn't even original. His confiscation of national wealth was no different than the very same confiscations that routinely take place in other socialist / communist nations, including China, North Korea and Cuba. If there's one thing the radical left has perfected over the last century, it's the recipe for amassing huge personal wealth for the elite few while the voters swelter in miserable poverty.
(Even after his death, Chavez is still blaming America for his ills… literally! His fatal cancer was America's fault, you see: somehow America conspired to give the man a fatal disease, it is claimed. This was most likely accomplished by shipping him a few pallets of Diet Coke and letting the guy suck down aspartame all day long.)
Chavez the tyrant, worshipped by fools and feared by whistleblowers
There is no death torturous enough for this demon of a human being who used a concentration of government power to endlessly abuse and exploit his fellow countrymen. As Human Rights Watch explains, "Hugo Chavez's presidency (1999-2013) was characterized by a dramatic concentration of power and open disregard for basic human rights guarantees."
HRW goes on to report:
…Chavez and his followers moved to concentrate power. They seized control of the Supreme Court and undercut the ability of journalists, human rights defenders, and other Venezuelans to exercise fundamental rights. By his second full term in office, the concentration of power and erosion of human rights protections had given the government free rein to intimidate, censor, and prosecute Venezuelans who criticized the president or thwarted his political agenda. In recent years, the president and his followers used these powers in a wide range of prominent cases, whose damaging impact was felt by entire sectors of Venezuelan society.
If all this rings a bell, it's because this is a perfect description of the Obama administration in the United States. Here in America, the mainstream media has been completely taken over by the government, and any journalist who asks a legitimate question is forever barred from attending White House press conferences.
The government has taken over the housing sector (Freddie and Fanny), the automobile sector (government bailouts of car manufacturers), the financial sector (government bailouts of Wall Street banks) and the entire medical system (Obamacare). The more you look at Obama's America, in fact, the more it resembles Chavez's Venezuela.
It's even the same rhetoric: Private industry is bad, government is good. Individualism is bad, collectivism is good. Free speech is bad, conformist ideas are good. Keeping your own paycheck is bad, but having your paycheck confiscated by the government is good.
Oh, and don't forget this little gem: If I asked you in which country the President "legalized" the official murder of its own citizens with absolutely no due process or trial by jury, if you guessed that country to be "Venezuela," you'd be wrong. It's America under Obama. (NDAA)
How about this: In which country are the citizens raided at gunpoint for producing fresh farm products that they wish to take to the market and sell to their neighbors? That's America, too, under the government's raw milk raids.
In which country has the system of justice been completely abandoned and replaced with a vindictive police state apparatus where government prosecutors target political enemies? The answer to that question is "Californizuela," the utopia of runaway socialism, located on the west coast of the former "land of the free" USA, where Chavez-style policies have become the norm.
What we can all learn from the Chavez regime
The lesson with Chavez is the lesson humanity seems cursed to learn over and over again throughout human history: any centralization of power always — ALWAYS — leads to extreme abuses of that power.
In the wake of those abuses, we consistently find human rights violations, election fraud, judicial corruption, state media control, censorship of free speech, the imprisonment of political opponents and other grotesque artifacts of tyranny. The road to that tyranny is, of course, paved with politicians making wonderful-sounding promises that mesmerize gullible populations. But in the end, the result is always the same: widespread poverty, injustice, censorship, suffering and corruption… a cancerous police state gulag government where innovation, individualism, liberty and justice is brutally crushed.
As Investors.com reports on Chavez:
Transparency International has named Venezuela the most corrupt nation in the hemisphere, matching Haiti and besting the likes of Paraguay and Nicaragua. With a $1 trillion oil windfall, that's lots of graft. Venezuela's Hugo Chavez ushered in the era of high oil prices in 1998, slashing output and earning the country a cool $1.125 trillion windfall as oil prices shot from $9 a barrel to more than $100.
That's bizarre, given that Venezuela remains a crime-ridden hellhole, whose vast slums and impoverished people offer not a scintilla of evidence of any spreading prosperity. …Venezuela's budget is secret, its oil earnings are secret, its electoral mechanisms are secret, and its media are largely under government control. Whistle-blowers are hit with draconian punishments.
That's bizarre, given that Venezuela remains a crime-ridden hellhole, whose vast slums and impoverished people offer not a scintilla of evidence of any spreading prosperity. …Venezuela's budget is secret, its oil earnings are secret, its electoral mechanisms are secret, and its media are largely under government control. Whistle-blowers are hit with draconian punishments.
Chavez represents one position along the line of tyranny extremes, with North Korea's Kim Jong-Un holding the winning spot on the extreme left. Chavez ranks about an "8" on this scale, and Obama a close "7." California is a 5 or 6, depending on where you live there.
This U.S. shift toward tyranny is over a decade old, of course. Beginning 2001, America began sharply moving in the direction of Venezuela. First with Bush and then with Obama, America abandoned its founding principles and began to adopt policies of socialism, ever-expanding government and unconstitutional limits on liberty. Today in 2013, the situation has become so insane that the U.S. government now openly threatens the nation with releasing criminals on the streets if its operating budget is threatened in any way (sequestration). This government has become, at many levels, a mirror image of the cancerous socialist state Chavez built for his own personal gain, and it's going to take a real revolution (at the polls, hopefully) to restore liberty in America and rid this nation of Chavez-like socialist scumbags who incessantly seek to dominate and control their fellow man.
Anyone who praises Chavez is a betrayer of freedom and an enemy of liberty. Beware of any person who says Chavez was a "great hero…" They are tragic fools who know nothing of real history and the darkness that lies in the hearts of those who incessantly seek power.
Read more about the scumbag piece of political filth known as Chavez; may his dark soul burn in Hell with all the other tyrants of history
Be sure to give your body the powerful multivitamin formula it needs with Vitamin Mineral Fusion now at 40% off!


text:
Just a brief note to wish everyone a Happy New Year… Something tells me that I should have been less of a slacker and had some profound epiphany in which to usher in the new year and post. But, alas, I am at somewhat at a disadvantage since I have been away from my DIs–that's Darling Inspirations not Divine Inspirations (although I suppose that is a debatable point)–for 11 days, 9 hours, 4 minutes and 20 seconds…but hey, who's counting?
So, yes, I have been somewhat of a slacker and not touched one yearbook page, one lesson plan, one paper, one red pen…although a purple politically correct grading pen did sort of blow up in my hand en route to the Colorado mountains. At which point, I considered that a divine sign not to think about school for the entire duration of my holiday trip.
But now that the re-start of school looms ominously less than 48 hours away, I face two choices… Choice #1–Begin a frantic frenzy of grading, yearbook page proofing, lesson planning and school organization or Choice #2 –Procrastinate a bit longer and devise a New Year's Resolution list.
I pick Choice #2.
So here it is… drum roll pah-leese… my Top 5 New Year's Resolutions…
#5…The perennial favorite… Lose Some Weight… Of course this goal isn't helped by the fact that I just purchased four bags of Ghirardelli Dark Chocolate with Caramel for a mere 74 cents a bag. Sigh.
#4…Stress less about deadlines (which should be helped by those four bags of chocolate mentioned in #5). Those deadlines hang heavy like an albatross around my neck…
#3…Banish cliches from writing… although I'm not willing to abandon the cliche finder. It's just too much f-u-n.
#2…OK, after reading #3, perhaps I should work at finding a life.
And here, my friends, is my #1 New Year's resolution…Can we have a drum roll pah-leese?…
#1…Work at a kinder, gentler me… but wait a minute… where's the fun in that? OK… so let's inject a bit of realism here. Let's see how many days I can go this year without calling anyone a big fat stupid head. Ladies and gentlemen, start your counters!
Monday, December 31, 2007
Slackers, Inspirations & New Year's Resolutions
Just a brief note to wish everyone a Happy New Year… Something tells me that I should have been less of a slacker and had some profound epiphany in which to usher in the new year and post. But, alas, I am at somewhat at a disadvantage since I have been away from my DIs–that's Darling Inspirations not Divine Inspirations (although I suppose that is a debatable point)–for 11 days, 9 hours, 4 minutes and 20 seconds…but hey, who's counting?
8 comments:
Richie, you're like school over Christmas Break: no class. (I never knew that cliche thing even existed!)
- January 1, 2008 at 12:22 PM
- askthehomediva said...
What do you mean "no class"?! I've got lots of class. You're just trying to egg me on to say "big, fat stupid head," but I won't.
- January 1, 2008 at 1:01 PM
- EHT said...
I have been taking a break from all things education as well so I had nothing wonderful to offer myself today, however, you did very well. I enjoyed your post very much...probably because you were dead on in how I have felt during the holidays. :)
- January 1, 2008 at 9:12 PM
- loonyhiker said...
Your #1 needs to go in my book! LOL
- January 2, 2008 at 11:37 AM
You know you're mixing metaphors with the "Albatross hanging over you" and the "heavy weight around one's neck."
Spouse says I always do that, which means it's genetic, except we both know I was switched at birth.
Which means you need to add a third cliche to keep this original. Such as "Having an albatross weigh heavily on your back."
Kind of catchy, don't you think?
Oh, and if you buy dark chocolate on sale, the amount of calories is reduced by the percentage of the sale. So, 50% off, means only half the calories.
- January 2, 2008 at 11:55 AM
- askthehomediva said...
Well, Maggie, I had to chew the fat over that mixed metaphor thing…but I finally saw the light…
and, since the chocolate was 75 percent off, that's even MORE off the caloric intake. And it was dark chocolate too.
Life is good.
- January 2, 2008 at 12:01 PM
ok richie hows the last resolution going? the kinder more gentle you? haha
I feel as though i must discourage it!!
you can't go soft after I graduate...
thats why I loved you so much... I mean you did give me a 50 because tecnically that was the lowest you can give me on my report card... haha and I still love you!
- April 13, 2008 at 4:07 AM
- askthehomediva said...
Me? Soft? Hardly… Sure do miss having you. I hated giving you that grade, but you started turning in your work, didn't you?
- April 13, 2008 at 5:06 PM


text:
RIVERHEAD, N.Y. — A former financial director for an American Red Cross chapter in New York was sentenced Wednesday to 2 1/3 to 7 years in prison for embezzling more than $274,000 from the organization.
"The bottom line is she stole money that was donated to the American Red Cross to help victims of disasters," said Red Cross spokesman Sam Kille. "So we're very glad that justice has finally been served."
Deborah Leggio, 50, pleaded guilty more than a year ago to grand larceny and using a false instrument for filing. Her sentencing was delayed to give her a chance to make restitution but she has only paid back $9,500, said Assistant Suffolk County District Attorney Ming Liu Parson.
"We were rather shocked in the end to find so little a sum was provided by her," said Parson, who had requested the maximum sentence of 3 to 9 years in prison. Under the plea deal, Leggio could have received as little as a year in jail had she made a greater dent in the restitution she owed.
"I am truly sorry," Leggio said before she was sentenced by state Supreme Court Justice Richard Ambro. "I know I betrayed a trust."
Leggio added, "I am just filled with shame, remorse and guilt."
She was immediately placed in handcuffs and led from the courtroom after receiving her sentence.
Leggio's lawyer, Peter Brill, pleaded to keep her out of jail so she could keep trying to pay restitution. Leggio, who moved from Coram, N.Y., to California in 2010, earned about $75,000 last year for a non-profit that helps low income people develop job skills, Brill said.
He argued that his client made an earnest attempt to repay more, but lamented that the high cost of living in northern California limited her ability to pay more restitution over the past year.
The thefts from the Red Cross' Suffolk County chapter occurred between 2005 and 2009.
Leggio admitted using the chapter's debit card to make ATM withdrawals, sometimes as often as every couple of days.
"She was a signatory to the operating account, and without permission or authority, she obtained an ATM debit card in her name linked to the account," District Attorney Thomas Spota said in a statement. She used the money for personal items like clothing, nail treatments, a Weight Watchers membership and her children's tuition.
Kille said an audit uncovered the missing funds in 2010.
"We rely on the trust of the public to do what we do and this was a slap in the face of that trust," the Red Cross spokesman said.
In addition to her debt to the Red Cross, Leggio owes $22,000 in New York state taxes.
"She spent this money for no good reason whatsoever," her attorney said.
Deborah Leggio was sentenced Wednesday in Suffolk County. Prosecutors said Leggio stole over $274,000 from the county's Red Cross chapter.
The judge rejected Leggio's bid to stay out of jail in order to keep paying restitution.
Leggio lived in Coram, N.Y., before moving to Tracy, Calif.
Authorities said she used a Red Cross debit card to pay for personal items like nail treatments, a Weight Watchers membership and her children's tuition.
She was convicted of grand larceny and offering a false instrument for filing related to tax evasion.
The thefts occurred between 2005 and 2009. An audit uncovered the missing funds.


text:
Imagine feeling as though your skin was crawling with insects. Add to that the presence of mysterious skin lesions that won't heal and have bizarre fiberlike material coming out of them. If that's not spooky enough, what if you also had disabling fatigue, mental function decline, joint pain and/or sleep disorders? And you go from doctor to doctor only to be told it's all in your head! That's the mystery of Morgellons disease.
While many doctors reject the notion of this being a real illness, there have been so many reports that the Centers for Disease Control (CDC) is now launching an investigation to see if they can sort it all out. There's even a Web site devoted to this problem: morgellons.org, complete with dramatic photos that need to be seen to be believed.
Part of the problem in understanding this disorder is that there is a well-known psychiatric disorder called Eckbom syndrome or delusional parasitosis. In this disorder, patients mistakenly believe they are infested with skin parasites. So it's not surprising that when patients show up with strange skin symptoms their doctor jumps to the conclusion that it's a mental rather than a physical problem. And it's still not clear who is right.
For now, what is being called Morgellons disease has been reported in all 50 states and 15 other countries including Canada, the UK, Australia and the Netherlands. The highest number of reports comes from California, Texas and Florida, with clusters in L.A., San Francisco, Houston, Dallas and Austin, Texas. Of people with Morgellons, there seems to be a higher rate in nurses and to lesser extent teachers (for unknown reasons). Not only that, but it's been reported in dogs, cats and even horses!
There does seem to be an association with Lyme disease, which is caused by a bacteria called Borrelia burgdorferi. Many patients with Morgellons also test positive for Lyme disease (whether or not they ever had symptoms or knew they had it) and if their Lyme disease is then treated, most will have remission of their Morgellons. It is possible that the two diseases are related or that one predisposes a person to develop the other.
Morgellons disease was first described over 300 years ago, but remains a medical mystery to this day. But just imagine having various bizarre symptoms and non-healing skin lesions with fiber or threadlike strands protruding from them: it's enough to make even your skin crawl.
Happy Halloween!
As always, if anyone out there has any experience with this bizarre condition, please post a note to the blog and share your story with others.


text:
Singular Single House | The Charleston Houses 2018
Season 39 Episode 26 | 23m 13s
At the Charleston Single House, students from a local building arts school install the iron gate. Kevin, Tom and Richard tour the renovated home and garden. Richard makes a trip to the Elliotborough project to get an update. Everyone meets back at the single house on the piazza to celebrate the completion of another great project.
Aired: 05/31/18
Expired: 10/04/18Video has closed captioning.
Problems Playing Video?
How to Heat a Swimming Pool with an Air Conditioner
Richard Trethewey installs a device that will heat a pool with the heat produced by an air
How to Repair an Asphalt Pothole
Roger Cook teaches a homeowner how to fill a pothole in an asphalt driveway to make it saf
How to Repair a Rusted Wrought Iron Railing
Tom Silva rebuilds a corroded, unsafe railing.
The Charleston Houses 2018
Eight Generation NEXT apprentices work alongside the TOH master crew on this 1879 home.
Episode Links
Funding for THIS OLD HOUSE is provided by The Home Depot, GMC, State Farm, Gorilla Glue and Marvin Windows and Doors.


text:
PF Jones is one of the largest suppliers and dealers of diesel fuel injectors and diesel fuel pump, with over 60 years of experience in the automotive industry.
Our commitment to the industry and large investment on machinery and equipment has placed us at the forefront of diesel fuel injection reconditioning services in the UK and Europe. All our staff are trained on state of the art test equipment, utilising the latest OE test data, processes and procedures. PF Jones reconditioned injector and fuel pump range cover passenger cars, commercial vehicles, marine and heavy duty applications including plant machinery. All reconditioned using OE parts and tested to OE specifications.
The suppliers of German companies Bosch and Siemens, as well as Irish company Delphi, provide our main range of diesel fuel injectors and pumps which we recondition and distribute across the UK and internationally. Seat is a Spanish manufacturer that was founded in 1950. As of 1986, the brand is owned by German company Volkswagen Group. PF Jones provide diesel fuel pumps from the Seat Alhambra range to the Toledo series. The Seat range contains engine sizes that include the Seat Leon 2,000cc and Seat Ibiza 1,500cc. Other Seat models are the Alhambra, Altea, Cordoba, Exeo, Ibiza, Inca and Toledo series. PF Jones offers and wide variety of diesel fuel injectors and pumps for all these vehicles.
You can send in your old pump for a refundable surcharge if it is apart of our supplied range of diesel pumps and injectors. Our comprehensive range includes; Bosch, Delphi, Denso, Zexel and VDO Siemens/ Continental. For more information on reconditioned fuel pumps, browse our reconditioned diesel fuel pumps page.
Test and Repair facilities are available for your diesel fuel pump. First our engineers will check the fuel pump, this entails stripping the fuel pump down and checking for general wear & tear or obvious signs of defect. Once there are no signs of defect and with the owners approval, we will test the fuel pump. Meaning we will clean out the striped pump, rebuilt and put on our manufacturers approved test bench. At the end of the test a fail or pass test will be printed off and given.
Seat Injectors
Seat Diesel Injectors
- Seat Alhambra Diesel Fuel Injectors
- Seat Altea Diesel Fuel Injectors
- Seat Arona Diesel Fuel Injectors
- Seat Arosa Diesel Fuel Injectors
- Seat Ateca Diesel Fuel Injectors
- Seat Cordoba Diesel Fuel Injectors
- Seat Exeo Diesel Fuel Injectors
- Seat Ibiza Diesel Fuel Injectors
- Seat Leon Diesel Fuel Injectors
- Seat Toledo Diesel Fuel Injectors


text:
Bright yellow face with olive cheeks, crown, and back. Only breeding males have solid black throat. For all plumages, look for dark streaks on white flanks and yellow vent. Breeds in mixed coniferous forests. During migration, mostly found in wooded areas with tall trees, often in flocks with other warblers. Can be in less forested areas. Winters in Central America, Caribbean and South America.
Sign in to see your stats
Choose a region to view Weekly Bar Chart
Your Online Guide To Birds And Bird Watching
Comprehensive life histories of North American breeding birds
Life histories of all species breeding in Mexico, Central America, and South America


text:
Spanking Children
|Post Reply
Topic Search Topic Options
Senior Member
Joined: 05 October 1999
Status: Offline
Points: 5007
Post Options
Posted: 20 June 2011 at 3:38pm
HOW often we resort to beating children for their small mistakes. What does Islam has to say about that? Sheikh Muhammad Nasiruddeen Al-Albani was asked if it was permissible for teachers to hit students to discipline them. His reply is an eye-opener for us:
As far as hitting the face, this is not permissible due to the statement of the Prophet (peace be upon him): "Do not hit the face and do not disfigure." As for hitting a student in general to discipline, (let's) mention the statement of the Prophet, "Command your children to pray when they reach the age of seven and hit them if they leave it off when they reach the age of 10 and separate them from each other in the beds."
This Hadith is proof that it is not permissible for those in charge to hit a child, whether student or not, for not obeying commands until he reaches the age of 10. Without doubt, whatever knowledge any teacher wants to impart to his students will not be more important than saying prayer.
If the Prophet (peace be upon him) prohibited fathers from hitting their children for not praying, until they reached the age of 10, then with all the more reason, it is not permissible for those other than the father to hit children for something (lesser) than the salah until they reached the age of 10.
Thus, it is not permissible for teachers to beat children even if they did not obey him regarding the Salah. Which other thing is as important as the Salah?
I would like to also add that the age of puberty for girls and boys differ tremendously from country to country. I know that in general, in countries of warm climate, the hormones may mature at a faster rate; thus the age of Takleef (duty, obligation to observe precepts of religion) would be reached at an earlier age than it would be in a cold climate. So this rule should not be taken in general, but rather each country should look into this with more details. For example one should find out if that particular child has reached the age of puberty or not? So the ruling will be decided according to what predominates.
The Sheikh was then asked: "What if the child had bad banners?"
Sheikh Al-Albani replied:
Beating and spanking is not (allowed) at all. Instead the child should be advised. Sometimes words have a greater affect on people than hitting. And sometimes hitting does not help at all, rather it makes them persist in doing that.
The best guidance is the guidance of Muhammad (peace be upon him). The child should not be hit as long as he did not reach the age of puberty.
Also, from the same Hadith mentioned previously, I understand it is wrong for fathers to command their children to pray before they reach the age of seven. This contradicts the command of the Prophet (peace be upon him).
It is alright if fathers take their children along with them to mosques for prayers. But as for commanding them, then this is in opposition to the Hadith.
The Sheikh was again asked: "Sheikh, regarding hitting, sometimes you find students leave their houses and have no manners, even good advice does not benefit them, so does hitting them fall into necessity?"
The Sheikh replied:
There is no necessity. Where is the necessity here? Can you comprehend that hitting would benefit when the One who created him (Allah, who revealed to the Prophet) said that do not hit him until he reaches the age of seven?
Joined: 09 April 2012
Location: Nigeria
Status: Offline
Points: 7
Post Options
Tarbiyyah is very difficult but very rewarding. Positive discipline looks unrealistic at first. After a while it becomes easy cos the children are actively working with adults to find solutions.
Try positive discipline.com
Senior Member
Joined: 05 October 1999
Status: Offline
Points: 5007
Post Options
Discover the Hidden Secrets of How to Effectively Discipline Your Muslim Child--
And Keep Your Peace of Mind While at It........
|Post Reply
| Tweet
|Forum Jump
|Forum Permissions
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot delete your posts in this forum
You cannot edit your posts in this forum
You cannot create polls in this forum
You cannot vote in polls in this forum


text:
WINEDALE — Hello again from the front porch of the old farm house, in the southwest corner of Washington County where the coyotes sing on winter nights, and the hoot owls hoot when the moon is full.
Every time I do one of these reports from the country, somebody who's spent most of his life in Houston asks me what I do all the time, out here in the wilderness. To answer that question, I kept a sort of journal about things that went on here during a recent week:
MONDAY. After breakfast, went to town. Town is Round Top, five miles west. This is customary among Winedale men. We go every day, sometimes twice. My record is six times, when we were building the little barn and I was sent in for nails and other materials as needed.
There's no rule that requires me to make the trip daily. However, if I miss a day I feel slothful. (I've decided to like that word. Slothful. When pronounced it produces a curious sensation in the mouth.)
Sometimes I drive in and never stop. I go around the town square, to see if anything is going on. Some days I get to scare a couple of tourists.
These tourists come mostly from Houston, park on the Round Top town square, get out in the middle of the street and stand there, looking around.
They seem to think that just because they're in a country town, the streets will have no traffic. I like to run up pretty close and startle them with a loud honk, to let them know they're standing in the middle of a thoroughfare. They're always surprised.
The town is generally quiet on Mondays. Even so, I am expected to give a news report when I return. So I tell my partner, "I saw Wilma in town. She was with her mother."
TUESDAY. One of my favorite days, because the garbage truck comes from Sealy. It makes lots of noise, and causes dogs to bark and chickens to squawk and dust to fly. Maybe the most exciting thing that ever happens around here, except when it rains. Which is seldom.
WEDNESDAY. Cleaned out the cab of my pickup. Found $1.38 in change and a Snickers bar that's been under the front seat since the spring of 2011. It melted during the heat of last summer but was reformed by two recent freezes. Interesting shape.THURSDAY. A busy day. Richard the Carpenter, who helps us keep this place running, came by to discuss the plan of attack. We hope this year to trap the armadillo. We are at war with it. Just this one armadillo.
We have an armadillo-proof wire-mesh fence around the yard but the fence is proof against adult armadillos only. Two years ago a baby armadillo walked through the wire fencing like it wasn't even there, and took up residence here in the yard.
Where he thrived. And now he's become so fat and big he can't go back through the holes in the fence. Other dillos can't get in, but this one can't get out.
And he has done an impressive amount of mischief to my partner's flower beds. He has outsmarted me and Richard the Carpenter even though we have attempted every known anti-armadillo trick.
Right now he is in this yard, dug in, waiting for spring. But we know not where.
FRIDAY. Partner went to a lady meeting, and left me here without supervision. I invaded the kitchen and decided to prepare an exotic dish, something creative.
You may be surprised to hear, since we're way out here in the country, that ladies have meetings the way they do in cities. Do they ever. Almost any day hereabout you can see them going in and out of nice country houses, all dolled up, carrying their covered dishes.
In the kitchen I thought about trying to fix a chicken pot pie, but it seemed way too complicated. I settled for a fried egg sandwich.
With graham crackers for dessert. I have recently rediscovered graham crackers.
SATURDAY. This was my day to put a gallon of Clorox in the septic system, which is equipped with a small electric motor that powers a pump. This pump does something really important. I forget what.
Anyway, I discovered that the motor had attracted a boiling mass of hundreds and hundreds of fire ants. So I spent Saturday slaughtering ants.
These ants are attracted to electricity. I have a theory about why this is: They yearn to become electrocuted. Electrocution does not hurt a fire ant. It feels good, like knocking down a double shot of Old No. 7.
Electrocution does not kill a fire ant. Instead, it sends him drifting joyfully home to the bosom of the queen, where he is comforted and promised everlasting life.
SUNDAY. Went to town, twice.


text:
Main page content
Chancellor Cigarroa to lead system-wide review of admissions
AUSTIN - University of Texas System General Counsel ad interim Dan Sharphorn presented the findings of an inquiry into the admissions process at The University of Texas at Austin during a closed session of Thursday's Board of Regents meeting, and the report was shared publicly by Chancellor Francisco G. Cigarroa, M.D., in the open session that followed.
The inquiry was launched following questions that had arisen about possible undue influence from legislators on the admissions process, particularly at the UT Austin School of Law. The review was expanded to include undergraduate admissions.
The inquiry did not uncover any evidence of a systematic or structured process of reviewing and admitting applicants recommended by influential individuals, nor did the limited inquiry reveal any evidence of a quid pro quo for admissions decisions or other wrongdoing. However, the data and information reviewed demonstrate sufficient reason for concern that certain current admissions practices will be reviewed and revised. Cigarroa shared draft recommendations on revising admission policies system-wide with the Board of Regents, but said he will seek input from UT institution presidents and admissions officers prior to finalizing the recommendations in the weeks ahead.
Cigarroa said he will work with presidents to ensure all UT institutions are using the best practices in admissions processes developed within the UT System and across the country. Cigarroa wants to ensure appropriate firewalls are in place and that the admissions process is fair and above reproach.
"In many cases, the first interaction students have with our campuses is through the admissions process," Cigarroa said. "We must get the admissions process right."


text:
已经是 IHG® Rewards Club 优悦会会员? 登录 以查看您即将开始的住宿安排。
欢迎回来,__firstname__!请登录 以查看您即将开始的住宿安排。
欢迎回来,__firstname__!您有 __totalstays__ 个即将开始的住宿安排。
欢迎回来,__firstname__!您有 __totalstays__ 个即将开始的住宿安排。
想要 预订丽晶酒店及度假村?
2 Orchard
2 Orchard
Lake Forest, California
United States
Set amidst the palms of sunny Southern California, the Staybridge Suites® Irvine East / Lake Forest hotel is perfect for both business and leisure travelers. The hotel's location near Irvine, CA, and midway between Los Angeles and San Diego, offers great corporate and entertainment opportunities.
This hotel's location in Orange County, CA is near I-5, I-405 and the 241-toll road, and 20 minutes from John Wayne Airport (SNA), providing easy travel to business destinations. Businesses like Oakley, Inc., Panasonic Avionics, Apria Healthcare, Wonderware and others are near the hotel's East Irvine, CA location. The hotel is 1.6 miles from Saddleback Church in Lake Forest. San Diego and Los Angeles are an hour away.
Leisure guests enjoy the availability of entertainment surrounding this hotel's location. In Orange County, CA, you can find some of the most scenic beaches in the country at Laguna and Newport beaches. The Verizon Wireless Amphitheater is just six miles away and hosts a variety of concerts and events. Anaheim, home of the world-famous Disneyland® Park is 22 miles and just an easy drive up I-5.
The Staybridge Suites® Irvine East / Lake Forest hotel has 24-hour, complimentary laundry facilities that are ideal for extended stays. Enjoy relaxing by the heated, outdoor pool and cooking your meal on the barbecue grills during your next visit. Book your reservation today!


text:
There are no items in your cart at this time.
Equip your favorite pair of shoes with biologically engineered midsoles to keep aches at bay. For men, women and children, Footwear etc.'s insoles are meant to fit all types of shoes and help remedy a variety of serious foot conditions like plantar fasciitis and hammer toes. With inserts from Ecco, Superfeet, Spenco, Lynco, Vionic and Alegria, available benefits include shock absorption, antibacterial properties, prominent arch support and more. Treat your feet to true bliss with replacement insoles today.
Sign up to receive new arrival, sale & special event info from us.
Note: we do not share your personal information with anyone. Period.
"Very easy to view items and the most important thing is my size was available. I searched many sites and no one had my size available in this same shoe. Thank you! My feet will feel better soon!"
©2020 Footwear etc.. All Rights Reserved. For any questions or assistance call 1-800-720-0572.


text:
Berry Bewitching Brew Fragrance Oil– Fragrance Oil Spotlight
This sensational berry fragrance oil is sweet and strong without being overpowering! Although Berry Bewitching Brew is a complex scent, you are still able to smell all of the individual notes as you whiff the fragrance. This fruity scent is very addictive. For our customers that already have this eye popping fragrance oil in their lines, responses show Berry Bewitching Brew as a HOT SELLER that their customers just LOVE! In fact, one of our customers has said, "This is a great fragrance for anytime not just Halloween… You definitely have to try this one." And, this fragrance oil has even been dubbed as "one of the best scent creations ever!"
What does Berry Bewitching Brew Smell Like?
A spooky, bubbly, Halloween treat! Natures Garden's Berry Bewitching Brew begins with top notes of peach, apricot, and blackberries; middle notes of mandarin, cinnamon, and rose; and nicely balanced with just a hint of woodsy musk. You'll toast to this one!
How Do Our Customers Use Berry Bewitching Brew Fragrance Oil?
For those of you that are candle crafters; our customers use this fragrance oil in their soy, ecosoya, para-soy blend, Palm, paraffin, and Joy wax candles. The scent is amazingly strong in the cold and hot throw. Some of our customers even make Halloween tarts with this fragrance oil. The scent really travels and fragrances the whole home. Berry Bewitching Brew is also used in electric burners.
For bath and body crafters, this fragrance oil has endless possibilities. The usage percent for this fragrance oil is 5%, and is used to make: shampoos, conditioners, sugar scrubs, melt and pour soaps, body butters, herbal infused lotions, shower gels, body splashes, and perfume oils just to name a few. Finally, for those of you that are cold process soapers, this fragrance received great reviews. Here are the official results: Perfect Pour. No ricing, no acceleration. A nice scent. Discolors slightly after cure.


text:
You are currently looking at Flamebate, our community forums. Players can discuss the game here, strategize, and role play as their characters.
You need to be logged in to post and to see the uncensored versions of these forums.
|Forumwarz Idol: WINNERS!
Log in to see images!
And now, without further ado, your winner of the 2009 Forumwarz Idol is:
Log in to see images!
Congratulations on your win, Fortunato!
Log in to see images!
-Baroness: 13
-Fortunato: 17
-MC Banhammer: 15
Log in to see images!Well, it's been a long way to this point, and it's been a lot of work; but I hope it was worth it, and that you all liked it as much as I did! Also, I'd like to thank all of the contestants, for making this one hell of a contest!
Log in to see images!
-Fortunato: 10bp
-The Baroness: 2bp
-MC Banhammer: 2bp
-Clarity (random post): 1 bp
|Posted On: 05/03/2009 12:51AM
|View Adapt's Profile | #
So, same time next year? Log in to see images!
|Posted On: 05/03/2009 12:54AM
|View Adapt's Profile | #
Doesn't surprise me
|Posted On: 05/03/2009 12:55AM
|View Aldo_Anything's Profile | #
Grats Fort, how many Log in to see images!
|Posted On: 05/03/2009 12:58AM
|View kittiejenn's Profile | #
Fort is becoming the destroyer of contests!
|Posted On: 05/03/2009 12:59AM
|View Odalisque's Profile | #
I would not have won were the original destroyer of contests to enter. Log in to see images!
|Posted On: 05/03/2009 3:03AM
|View Fortunato's Profile | #
Also total BP won in the last few contests: 19
|Posted On: 05/03/2009 3:24AM
|View Fortunato's Profile | #
Fortunato Posted:
Congrats, although voted McBunny.
Also, Fort, you look totally astounding in your bathrobe. I afraid, I'll inevitably see that in my dreams Log in to see images!
|Posted On: 05/03/2009 5:02AM
|View Inconnu's Profile | #
Gratz, Fortunato!
I still like how close the final votes were, although I would have liked to have seen more votes overall (especially more for me Log in to see images!).
Looking forward to the next time this is run! And in the meantime I'll probably record a bunch of the Rocky Horror stuff Log in to see images!
Oh, almost forgot: A big shout-out and THANKS to those of you who voted for me! Log in to see images! MC Banhammer edited this message on 05/03/2009 2:45PM
|Posted On: 05/03/2009 2:44PM
|View MC Banhammer's Profile | #


text:
What questions should I ask a mortgage lender in Geneva ? If you're dealing with a mortgage broker there's some questions that you should ask both on your first meeting with the mortgage broker and throughout working with your mortgage broker to make sure that you're getting the best service possible.
USDALoanInfoNewYork is going to go through 10 different questions that you can ask your mortgage lender in Geneva. Be aware that your USDA Loan or Mortgage broker will be getting the loan that you need and the service that you want.
The first question that I think everyone should ask a mortgage broker is a pretty straightforward one.
How Much Will a Mortgage Broker Cost?
Most mortgage lenders in Geneva actually work for free.
So it doesn't actually cost you anything in order to do it.
They get money because they are paid by the banks when you successfully get a loan.
So they get a small commission of the loan that you apply for and if you get it.
How To Choose A Mortgage Lender
So most mortgage brokers in Geneva will work for free and it won't cost you anything.
However, there are some mortgage brokers out there who do require deposits or who do require you to pay.
So, it's important to ask, "How much will this cost me?" when assessing which mortgage broker you want to go with.
How much do Mortgage Lenders earn in commission from me and from my loan?
This is less to understand exactly how much they make.
You can see what percentage of commissions they make and things like that by visiting USDALoanInfo.
But it's more to understand whether or not they'll be willing to give you this information.
A transparent mortgage broker is someone that'd be willing to give you this information and you know that they have your best interest at heart.
USDA Sub-Prime Loans - Are They For Real?
If they skirt around this issue and they don't tell you how much they earn.
Well then that would send out red flags for me because I can't trust them to put my best interest at heart because there are some circumstances where one loan will earn them more money than a loan that could potentially be better for me but not as good for them.
So, I'm just trying to establish whether or not this mortgage broker in Geneva is someone that I can trust.
And by asking them the big question, the money question,"How much will you earn from me?" That's a great way to understand whether or not you can trust the mortgage lender.
So ask that question and see how they respond.
Do Mortgage Lenders Invest Themselves?
Now, I don't think a mortgage broker has to be a property investor in order for them to be able to get you a good loan and for them to help you successfully invest in property.
However, if they are interested in property in Geneva, if they do invest themselves, then that is going to go a long way to help you because they understand what it's like to be in your shoes.
They understand what you're trying to get out of this and they've done it themselves so they can help you miss some of the pitfalls and things like that.
If they don't invest themselves, then I would want to ask them, "Have you worked with many people that invest in property?" Because as mortgage brokers, some of them just work with people who are buying their own home.
How To Choose A Mortgage Lender When Buying a Home
Some of the mortgage lender folk who work with people who are doing particular investment strategies.
So, some might work with people who invest in positive cash flow property or who invest in rural areas, who invest using developments.
- [Voiceover] What Iwant to do in this video is explain what a mortgage is.
I think most of us have atleast a general sense of it, but even better than that,actually go into the numbers and understand a little bitof what you are actually doing when you're paying amortgage, what it's made up of and how much of it is interest versus how much of it isactually paying down the loan.
Let's just start with a little example.
Let's say that thereis a house that I like.
Let's say that that is the house that I would like to purchase.
It has a price tag of, let's say that I need to pay $500,000 to buy that house.
This is the seller ofthe house right here.
And they have a mustache.
That's the seller of the house.
I would like to buy it.
I would like to buy thehouse.
This is me right here.
And I've been able tosave up $125,000 dollars.
I've been able to save up$125,000 but I would really like to live in that house so I go to a bank.
I go to a bank, let me geta good color for a bank.
That is the bank right there.
And I say, "Mr.
Bank, can you lend me "the rest of the amountI need for that house?" Which is essentially $375,000.
I'm putting 25% down.
This number right here, that is 25% of $500,000.
So I ask the bank, "Can Ihave a loan for the balance? Can I have $375,000 loan?" And the bank says, "Sure.
You seem like a nice guy "with a good job whohas good credit rating.
"I will give you the loan but while you're paying off the loan you can'thave the title of that house.
"We have to have that title of the house "and once you pay off the loan, "we're going to give youthe title of the house.
" What's gonna happen here isthe loan is gonna go to me, so it's $375,000.
$375,000 loan.
Then I can go and buy the house.
I'm gonna give the total $500,000, $500,000 to the seller of the house, and I'll actually moveinto the house myself, assuming I'm using itfor my own residence.
But the title of the house, the document that says who actually owns the house.
This is the home title.
This is the title of the house.
Home title.
It will not go to me.
It will go to the bank.
The home title will go from the seller, or maybe even the seller's bank, because maybe they haven'tpaid off their mortgage.
It will go to the bankthat I'm borrowing from.
This transferring of thetitle to secure a loan.
When I say "secure aloan," I'm saying I need to give something to thelender in case I don't pay back the loan or if I just disappear.
This is the security right here.
That is technically what a mortgage is.
This pledging of the titleas the security for the loan, that's what a mortgage is.
It actually comes from old French.
Mort means dead, andthe gage means pledge.
I'm 100% sure I'm mispronouncing it, but it comes from dead pledge because I'm pledging itnow but that pledge will eventually die once I pay off the loan.
Once I pay off the loan thispledge of the title to the bank will die and it will come back to me.
That's why it's called adead pledge, or a mortgage.
And probably because itcomes from old French is the reason we don't saymort-gage, we say mortgage.
But anyway, this is alittle bit technical, but normally when peoplerefer to a mortgage they're really referringto the loan itself.
They're really referringto the mortgage loan.
What I want to do inthe rest of this video is use a screenshot froma spreadsheet I made to actually show you the math, or actually show you what yourmortgage payment is going to.
You can download thisspreadsheet at khanacademy, khanacademy.
Org/downloads/mortgagecalculator Or actually, even better, justgo to the downloads folder and on your web browseryou'll see a bunch of files, and it will be the filecalled MortgageCalculator, MortgageCalculator.
It's a Microsoft 2007 format.
Just go to this URL, thenyou'll see all the files there and you can just download this file if you want to play with it.
What it does here, in thiskind of dark brown color, these are the assumptionsthat you can input and then you can change thesecells in your spreadsheet without breaking the whole spreadsheet.
Here I've assumed a 5.
5% interest rate.
I'm buying a $500,000 home.
It's a 25% down payment, that's the $125,000 that I had saved up, that I talked about right over there.
And then the loan amount.
Well, I have 125, I'mgonna have to borrow 375, it calculates it for us.
And then I'm gonna get apretty plain vanilla loan.
This is gonna be a 30 year.
When I say term in years, thisis how long the loan is for.
So 30 years.
It's gonna be a 30 yearfixed-rate mortgage.
Fixed rate, which means theinterest rate won't change.
We'll talk about that a little bit.
This 5.
5% that I'm payingon the money that I borrowed will not change over thecourse of the 30 years.
We will see that the amount I've borrowed changes as I pay down some of the loan.
This little tax rate that I have here, this is to actually figureout what is the tax savings of the interest deduction on my loan.
We'll talk about that in a second, you can ignore it for now.
Then these other thingsthat aren't in brown, you shouldn't mess with these if you actually do open up thespreadsheet yourself.
These are automatically calculated.
This right here is amonthly interest rate.
So it's literally theannual interest rate, 5.
5%, divided by 12.
And most mortgage loans arecompounded on a monthly basis so at the end of every monththey see how much money you owe and they will charge you this much interest on that for the month.
Now given all of these assumptions, there's a little bit ofbehind-the-scenes math, and in a future video Imight actually show you how to calculate what theactual mortgage payment is.
It's actually a prettyinteresting problem.
But for a $500,000 loan--Well, a $500,000 house, a $375,000 loan over 30 yearsat a 5.
5% interest rate, my mortgage payment isgoing to be roughly $2,100.
Right when I bought the house, I want to introduce alittle bit of vocabulary, and we've talked about thisin some of the other videos.
There's a asset in questionright here, it's called a house.
And we're assuming it's worth $500,000.
We're assuming it's worth$500,000.
That is an asset.
It's an asset because itgives you future benefit; The future benefit ofbeing able to live in it.
Now there's a liabilityagainst that asset, that's the mortgage loan.
That's a $375,000 liability.
$375,000 loan or debt.
If this was your balance sheet, if this was all of your assetsand this is all of your debt, and you were essentiallyto sell the assets and pay off the debt, if you sell the house you get the title, you can get the money, thenyou pay it back to the bank.
Well actually, it doesn'tnecessarily go into that order but I won't get too technical.
But if you were to unwindthis transaction immediately after doing it, then youwould have a $500,000 house, you'd pay off your $375,000 in debt, and you would get, inyour pocket, $125,000, which is exactly what youroriginal down payment was.
But this is your equity.
The reason why I'm pointing it out now is, in this video I'm notgonna assume anything about the house price,whether it goes up or down, we're assuming it's constant.
But you could not assume it's constant and play with thespreadsheet a little bit.
But I'm introducing thisbecause as we pay down the debt this number's going to get smaller.
So this number is getting smaller.
Let's say at some pointthis is only 300,000.
Then my equity is going to get bigger.
So you could do equity ishow much value you have after you pay off the debt for your house.
If you were to sell thehouse, pay off the debt, what do you have left over for yourself.
This is the real wealth in thehouse, this is what you own.
Wealth in house, or theactual what the owner has.
What I've done here is-- Actually before I get tothe chart let me actually show you how I calculate the chart.
I do this over the course of30 years, and it goes by month.
So you can imagine that there's actually 360 rows here in the actual spreadsheet, and you'll see that ifyou go and open it up.
But I just want to show you what I did.
On month 0, which I don't showhere, you borrow $375,000.
Now, over the course of that month they're going to charge you.
46% interest.
Remember, that was 5.
5% divided by 12.
46% interest on $375,000 is $1,718.
So I haven't made anymortgage payments yet.
I've borrowed 375,000.
This much interest essentiallygot built up on top of that, it got accrued.
So now before I've paidany of my payments, instead of owing 375,000 atthe end of the first month, I owe $376,718.
Now, I'm a good guy, I'm notgonna default on my mortgage so I make that first mortgage payment that we calculated right over here.
After I make that paymentthen I'm essentially, what's my loan balanceafter making that payment? Well, this was before making the payment, so you subtract the payment from it.
This is my loan balance after the payment.
Now this right here, thelittle asterisk here, this is my equity now.
So remember, I startedwith $125,000 of equity.
After paying one loan balance,after my first payment, I now have $125,410 in equity, so my equity has gone up by exactly $410.
Now you're probably saying,"Gee.
I made a $2,000 payment, "roughly a $2,000 payment, "and my equity only went up by $410 "Shouldn't this debthave gone down by $2,000 "and my equity have gone up by $2,000?" And the answer is no because you had to pay all of this interest.
So at the very beginning, your payment, your $2,000 payment, is mostly interest.
Only $410 of it is principal.
So as your loan balance goes down you're going to pay less interest here, so each of your payments are going to be more weighted towards principal, and less weighted towards interest.
And then to figure out the next line, this interest accrued right here, I took your loan balanceexiting the last month, multiplied that times.
You get this new interest accrued.
This is your new pre-payment balance.
I pay my mortgage again.
This is my new loan balance.
And notice, already by monthtwo, $2 more went to principal.
and $2 less went to interest.
And over the course of 360months you're going to see that it's an actual, sizable difference, and that's what thischart shows us right here.
This is the interestand principal portions of our mortgage payment.
So this entire heightright here, this is-- Let me scroll down a little bit.
This is by month.
So thisentire height, you notice, this is exactly our mortgagepayment, this $2,129.
Now, on that very first monthyou saw that of my $2,100, only $400 of it, this is the $400.
Only $400 of it went toactually pay down the principal, the actual loan amount.
The rest of it went to pay down interest, the interest for that month.
Most of it went for theinterest of the month.
But as I start paying down the loan, as the loan balance getssmaller and smaller, each of my payments, there'sless interest to pay.
Let me do a better color than that.
There's less interest.
We goout here, this is month 198, over there that last monththere was less interest, so more of my $2,100 actuallygoes to pay off the loan until we get all the way to month 360.
You can see this inthe actual spreadsheet.
At month 360 my final payment is all going to pay off the principal.
Very little, if anything,of that is interest.
Now, the last thing I wantto talk about in this video, without making it too long, is this idea of a interest tax deduction.
A lot of times you'll hearfinancial planners or realtors tell you the benefit of buying your house is it has tax advantages, and it does.
Your interest is tax deductible.
Your interest, not your whole payment.
Your interest is tax deductible.
I want to be very clearwhat deductible means.
First let's talk aboutwhat the interest means.
This whole time over 30 yearsI am paying $2,100 a month, or $2129.
21 a month.
Now the beginning, alot of that is interest.
So on month one, 1,700of that was interest.
That $1,700 is tax deductible.
As we go further and further, each month I get smaller andsmaller tax deductible portion of my actual mortgage payment.
Out here the tax deductionis actually very small, as I'm getting ready topay off my entire mortgage and get the title of my house.
I want to be very clear on this notion of what tax deductible even means, because I think it ismisunderstood very often.
Let's say in one yearI paid, I don't know, I'm gonna make up a number, I didn't calculate it on the spreadsheet.
Let's say in year one Ipay $10,000 in interest.
10,000 in interest.
Remember, my actual paymentswill be higher than that because some of my payments went to actually paying down the loan.
But let's say 10,000 went to interest.
And let's say before this, let's say before thisI was making 100,000, let's put the loan aside.
Let's say I was making $100,000 a year, and let's say I was payingroughly 35% on that 100,000.
I won't go into the whole tax structure and the differentbrackets and all of that.
Let's say if I didn't have this mortgage I would pay 35% taxes, which would be about $35,000in taxes for that year.
This is just a rough estimate.
When you say that $10,000is tax deductible, the interest is tax deductible, that does not mean that I canjust take it from the $35,000 that I would have normallyowed and only pay 25,000.
What it means is I can deductthis amount from my income.
When I tell the IRS howmuch did I make this year, instead of saying I made $100,000,I say that I made $90,000 because I was able to deduct this, not directly from my taxes, I was able to deduct it from my income.
So now if I only made $90,000 -- and this is, I'm doing agross oversimplification of how taxes actually get calculated -- and I pay 35% of that, let'sget the calculator out.
Let's get the calculator.
So 90 times.
35 is equal to 31,500.
So this will be equal to $31,500.
Off of a 10,000 deduction,$10,000 of deductible interest, I essentially saved $3,500.
I did not save $10,000.
Another way to think about it, if I paid 10,000 interestand my tax rate is 35%, I'm gonna save 35% ofthis in actual taxes.
This is what people meanwhen they say deductible.
You're deducting it from the income that you report to the IRS.
If there's something thatyou could take straight from your taxes, that'scalled a tax credit.
If there was some specialthing that you could actually deduct it straight from yourtaxes, that's a tax credit.
But a deduction justtakes it from your income.
On this spreadsheet Ijust want to show you that I actually calculated, in that month, how much of a tax deduction do you get.
So for example, just offof the first month you paid $1,700 in interest of your$2,100 mortgage payment, so 35% of that, and I got 35%as one of your assumptions, 35% of $1,700, I will save$600 in taxes on that month.
So roughly over thecourse of the first year I'm gonna save about $7,000 in taxes, so that's nothing to sneeze at.
Anyway, hopefully you found this helpful and I encourage you togo to that spreadsheet, and play with the assumptions, only the assumptions in this brown color unless you really know whatyou're doing with a spreadsheet, and you can see how thisactually changes based on different interest rates,different loan amounts, different down payments, different terms.
Different tax rates, that will actually change the tax savings, and you can play aroundwith the different types of fixed mortgages on this spreadsheet.
So I would want to find a mortgage broker who either had that experience themselves or who had clients that they had got similar deals for 'cause that way I know that they can negotiate on my behalf and they can get this deal across the line.
What details do Lenders need from me?
It's one thing to call up a mortgage broker and just to get an estimate of your borrowing capacity but if you're going through pre-approval and stuff like that, then you're going to need to provide the mortgage broker with more in-depth details.
You might need pay slips; you might need proof of identity, all of that sort of stuff.
If you ask them up front, "What details do you need from me?" And when you go to your meeting with them you actually provide them with those details, well that just makes things so much easier.
10 Questions You Should Ask Your Mortgage Broker (Ep268)
Remember, a mortgage lender is only paid once the deal goes through and once you actually get financing.
So the easier you make it for them, the more likely you are going to get better service.
What can I do as a client to make this go as smoothly as possible?
You have the goal of getting financed for your property, the mortgage lender has a goal of you getting financed for your property and no one wants it to be difficult.
And so, if you can ask the mortgage broker, "Look, how can I work with you? How can I make things easy for you?" They're the experts; they know what they're doing.
They can tell you exactly what they need and then you can work hard to provide that for them so that they can get everything across the line as quickly as possible.
You know, I have customers,I deal with customers and even though I'm not a mortgage broker myself, I know that when there's difficult customers that you don't want to deal with, it just makes life so much harder and you don't want to work hard for those people.
And when there's customers who are really nice to you and who try really hard to help you provide them with the service you provide, you will bend over backwards to do anything you can for those customers to get them across the line, to help them as much as possible.
So, be one of those customers that the mortgage broker wants to bend over backwards to help you because you have their interest at heart as well.
You want to see them get paid.
You want to see them do an easy mortgage so they get paid easily.
And so you can develop a relationship into the future.
Which lenders can I borrow the most from?
Most people go into a mortgage broker looking for the cheapest interest rate possible.
What is the cheapest interest rate I can get? And the fact of the matter is a mortgage broker is likely to show you the banks that will lend you the amount of money you need and will also have the cheapest interest rate as well.
However, they might not showy ou banks that will lend you more money than you potentially need at the moment.
Now, it's important to ask, "Which lenders can I borrow the most from?" because this will help you to project into the future.
Maybe you don't need to know that for this loan right now but maybe, in the future, you might need to borrow money again and you know, or roughly my borrowing capacity is this.
Or if you find out which lenders you can borrow more from, and you find that you can actually borrow an extra $300,000, well you might split up your deposit and invest in two investment properties instead of just one.
And so asking them, "Which lenders can I borrow the most from?" is a great question to ask to really understand your position.
Because, yes, interest rate is important but how much you can borrow is also important as well.
Can I see a full list of my borrowing options?
Most mortgage brokers will provide you with, usually, like a top three or sometimes only a top one.
And I always like to think, "Can I see a full list of my borrowing options?"Again, this is less to say you want to go through all of this in minute detail and see.
You're probably going to still choose from one of the top three ones.
But you just want to see that they're giving you the full amount of information.
And most mortgage brokers are good people but there are some dodgy mortgage brokers out there who are just trying to get the deal that gives them the biggest commission.
And so by asking to see a full list of what your borrowing options, you can then look at that and you can then assess, "Okay, well which loan do I think is going to be best for me?" rather than just taking the recommendation of the mortgage broker who may or may not be thinking about themselves.
So, again, most mortgage brokers are great people out there to help you but it's always a good idea to get a full list of your borrowing options that are available.
Will this put a mark against my credit file?
And so this is when you're trying to work out how much you're going to borrow and stuff like that.
When you go into a bank and you try and find out how much you can borrow, often, the bank will do a credit check and this puts a mark against your credit file.
And what happens is if you have a lot of these marks against your credit file, even though it's nothing bad, this can actually stop you getting a loan.
So, talk to your mortgage broker and when you're looking at, "What can I borrow?"or your looking at getting pre-approval, just understand, "Will this put a mark against my credit file?" 'Cause it's not bad to have a couple or whatever.
But if you're getting lots and lots of marks against your credit file, then that could be an issue.
So just make sure and you know when a mark's being put against your credit file and when a mark isn't being put against your credit file.
How soon can I revalue or borrow again?
So if you're investing in a property to renovate it or to develop it or even if you're investing in a property that's potentially under market value, you want to know how quickly can you revalue that property so you can get equity and then hopefully draw equity out of the property to go ahead and invest again.
There are a lot of lenders out there who don't allow you to revalue within a 12-month period.
So, speak to your mortgage broker about the lenders that will allow you to revalue faster.
And basically, this will give you an idea of how quickly you can revalue to consider going again.
You're also going to want to ask them, "After I invest in this property, how soon can I borrow again or what do I need to do to put myself in a position to be able to borrow again and to purchase the next property?"
Because hopefully, your goal isn't just to purchase one property but to grow your property portfolio and to achieve that financial freedom and that financial security that you're striving for.
Will My Loans be 'cross-collateralised'?
Now, I have heard a lot of stories about investors whose loans have been cross-collateralised and it's cause major problems when they've gone and sold their property because the bank shave been able to take that money and pay off debt.
And basically, you want to avoid this at all costs from what I hear.
And so, it's good to ask your mortgage broker, "Will my loans be cross-collateralised in any way?" Generally going with the same lender for two loans does it by default, even though it doesn't say they're cross-collateralised.
So, it's just something that you want to look at the fine print, you want to understand, "Are these cross-collateralised?" And if they are, try and avoid it, try and get loans that aren't going to be cross-collateralised.
So there you have some questions to ask your mortgage broker next time you go and see a broker to find out how much you can borrow or get pre-approval or get financed for another property.
If you are in the market, looking at properties and you want to see some high rental yield properties, then I've got 10 property listings that I've gone out and found for you guys.
You can see what high rental yield properties look like that are likely to generate a positive cash flow.
Did You Know – You Can Get Pre-Approved for a USDA Loan in Geneva?
If you are in the market for a home mortgage, there are plenty of places to find one. You simply need to look on the Internet, turn on your TV, or open up a newspaper to see all kinds of Los Angeles mortgage lenders offering their services. You may even receive a cold call from a bank inquiring about your mortgage needs. There are, however, huge disparities between a decent LA mortgage lender and a great mortgage lender. Let's take a look at a few differentiators that set top lenders apart from the rest.Are They Being Referred?One of the best and easiest ways to find a trustworthy and reliable Los Angeles mortgage lender is to ask your friends, family, neighbors, or co-workers which lender they've had a positive experience with. Another good person to ask is a real estate agent, as he or she works in the field and therefore has a good idea of who's good and who's not.Look At More Than Just RatesDo not simply choose the Los Angeles mortgage lender offering the lowest interest rate. You also need to find an LA mortgage lender with excellent customer service, otherwise your loan may go unapproved, or you may pay unnecessary fees. Help yourself make the home-buying experience as seamless as possible by researching and selecting an LA mortgage lender offering both quality service and low, low rates.Experienced LA Lender, Experienced LA Loan OriginatorA lender is the bank, credit union, or mortgage company through which you receive your Los Angeles mortgage. A loan originator is the person at the institution who works with you to draw up your mortgage. It is imperative that you not only select a reputable, financially-sound lender, but also an experienced, trustworthy LA loan originator.Be sure that your loan originator has at least five years experience in the field, fully understands the market, and offers good customer service. Be aware that you may select the best Los Angeles mortgage lender in town, but if your LA loan originator is new on the job, or a disgruntled employee, you may not receive the loan rates and terms you want.Do They Listen to Your Needs?Top Los Angeles loan originators know their stuff, but they also take the time to listen to your needs, goals, and limitations. They will offer sound advice on the different Los Angeles mortgage programs to choose from, offer good-faith estimates on closing costs and interest rates (and then lock them in), and provide comprehensive answers to any mortgage questions you may have. Choosing the right option from all the available Los Angeles mortgage programs may seem like a stressful, daunting task, but if you have a patient, trustworthy, and competitive LA lender and loan originator, you'll walk away satisfied.
How to Find a Good Mortgage Broker or Lender
Mortgage lenders lend the money for making profit. They do not have any issues and they just wants to make profit. You can get the money back from the borrower if he is present. You might have to give the relaxation to the borrower to some extent. In this way you will be affected to the least extent only. However what will you do if the borrower dies before paying the mortgage? You might feel helpless in such cases.However as a lender you will definitely be in dilemma that what you can do? Though, you will be quite happy to note that you have some options in such cases as well.Suppose you feel that the borrower is not going to live for long then you can ask him to sign a deal with you. In that deal you will have to mention that the person whom the property is transferred after the death of the borrower will be responsible for paying back the mortgage. This is extremely important for you. You need to realize this fact.Some times it does happen that the borrower becomes helpless as he goes into the coma due to some disease or injury. He is virtually handicapped and one cannot really ask him to pay back the mortgage. But as a lender you should have in your mind that this might happen in the future and hence you should get the deal prepared in the same way.In such cases when the borrower is physically or mentally not in a position to talk about the mortgage, on his behalf a power of attorney is given to some relative. Hence you should make sure that in the POA it is also written that that person will be responsible for paying back the mortgage.These are some of the ways. But you will realize that you need to help the borrower as well. That is why most of the lenders give some relaxation to those borrowers. If the amount is low then the lender usually discards such loans. Even if the lender finds that he can bear the loss then he usually discards the loan after the death of the borrower.However sometimes the borrower is economically sound and the problem is just that he has died. In such cases the lender definitely goes for the justice and asks the new owner of the property to sign the deal.