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Houzz is the new way to design your home.
639 GFI Furniture Rectangular Dining Table f Contemporary Home Design Photos
This a beautiful dining table. where is it from?
I am worried our flooring will be damaged if we don't have a carpet under the table/chairs. It looks like you
Can you please tell me the dimensions of the table?. Also, are there leaves to make the table smaller or
twofold. First, how big is the room that this table is in? And second, do you think that this table (or a table this size) will be comfortable in a room that's
I am pretty certain the furniture is from Selva. It's a beautiful furniture line from Italy. Beautiful. Our design firm represents
How much would it cost to have the same table and if possible a similar chair
have a carpet under our dining room set...Love the table and benches...and chairs
Love — hunterhome2015
Handman Associates
Glencoe Residence 1
I love the dining table. Where can I purchase it? Who makes it?
Dear runmoore24, I would love to help you purchase this dining table! There are a number of manufacturers that have this very style or similar
mattresses, dining chairs, bar stools and dining tables
guides for sofas, sleep sofas, sectionals, mattresses, dining chairs, bar stools and dining tables.
How can you tell a good piece of furniture from one that's not so good? If you're buying an upholstered piece, lift up a corner and shake it; if it feels
Cool bench chair/couch for dining table...Love the dining table and chandelier
Shades — deanama
AMW Design Studio
Brookdale Nook
What Is the fabric number if chairs? Does the table came in 60 inch?
Is this table custom? If not where did you buy it? What is the top made out of?
Saw the beautiful table is from Hickory Chair, but couldn't find the chairs. Thanks.
Please tell me where I can get table and chairs
It looks like the one I purchased from Troy Lighting product number F2735.
have a dedicated dining room, round could be for you.Just as with a rectangular or square table, measure your space and apply the same chair measurements
The round dining table. A more intimate space loves a round dining table. If you prefer to entertain small groups of friends and family, or you don't have
How hard/durable is the table top?...Is this a Lillian August table?...size of table, base of table
Fornasetti — justinwball
Loudoun County's Premier Home Builder
Van Metre Homes is a homegrown builder with a reputation for blending the enduring traditions, quality and value you expect from us with design innovations for the way you live today.
Olga Bakic Architect
European Apartment
Where did u get the lively dinning table and chairs
That is correct it is Saarinen, Tulip oval table (large). The chairs are: White Eames Molded Plastic Side Chairs in Wood Dowel
Beautiful dining table, wood finish is great
traditional and modern designs is an oval dining table. Shown here is Eero Saarinen's iconic modern oval dining table with a cast aluminum pedestal base and
or a 96-in. (244-cm) length and 54-in. (137-cm) width. In this space the table is paired with Eames molded fiberglass dowel-leg side chairs, which have
The table is very alike to our's
Owls on wall — Micky Faucheux
Mahoney Architects & Interiors
"green" remodel
Custom dining table with built-in lazy susan
a 60" round dining table and wanted to know whether I will be able to fit 8 armless chairs around it? This was one of the few round table images I found
did they come with the table? If separately, where did you buy them?
How much room is needed for a 60" round table with 6 dining chairs?
this table - it looks like something I have seen at Tui Lifestyle but wasn't convinced that it would fit 6 chairs around it. is this the same table?
What is the diameter of this table for 8 chairs?
larger table, or settle for 6 chairs, because after having large rectangular tables all my life, i have now found that having a round dining table, with
Where can i buy this table?
Lazy Susan — Rosaura Aguerrebere
Mark English Architects, AIA
dining room
Wall colors for living room with brown furniture
We are thinking of putting a larger table top on top of the original Corbusier base
Please tell me where you got this dining room set?!
Does anyone know who makes this dining table and/or the chairs? They are stunning!
Where was the dining room table purchased and what is it made of?
reclaimed or distressed wood furniture pieces, some whimsical cowhide, and touches of wrought iron in the lighting and table base. Search rustic interiors
Our Lumina Pet animal lamps project their colour onto nearby walls and furniture when lit up. So you could have a blue colour scheme during the day, but
Good morning. Is there a project involving walnut furniture with which we can help you ?
The dining room has to be a comfortable busy place filled with love and happiness. — gabbie1997
Mendelson Group
square dining room table - what is the ideal size of a light fixture for this size/shape of table? Thank you.
higher than the table height. Will they look too short? Please advise.
What is standard height for a chandelier above dining tables?
I have a 62 inch square table and am considering buying
for 42" of space between a table and a wall (or other piece of furniture) for someone to comfortably get in and out of a dining chair.
I have a john widdicomb parsons dining table in olive ash burl (probably 40 years old) that is magnificent. It extends
the table making it necessary for any arm chair to have a maximum height of 25-26" for the arm. I love everyone to have an arm chair while dining and
What is the dimension of the table?
cool chairs — tinamariescott
LDa Architecture & Interiors
Green Gambrel Dining Room
"Synopsis" table from Casa Design in Boston.
Does anyone know the designer and/or maker of the dining room table?
whats the material the table is made from? Ceramic? can I find something similar in Europe?
- modern furniture,traditional fireplace and moldings
allows a larger piece of furniture in a space without feeling as cramped.
Coordinated sets. Suites of matching furniture hark back to the days when a glimpse
pendant hung above a sleek white table and metallic leather chairs combine styles and eras with success.
This dining room showcases how the predominantly
This room is gorgeous! A unique blend of modern furniture with historic architectural details. White works with it all.
Anything can become a table base!
Chairs — marciasmart


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September 30th, 2014
What did this guy expect? Putting a creature with claws and a sting in its tail up your buttocks isn't going to be a pleasurable experience.
2 Comments / Add Comment
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Pansion-Restaurant Kiko
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TripAdvisor Reviews Pansion-Restaurant Kiko Stari Grad
Travel Blogs from Stari Grad
Traipsing to Trogir & Starry Stari Grad
... Found great local food and a peaceful ambiance. Just a side note - when it rains or the wind kicks up, the water rises Above the pier which is actually the main walkway, we noticed that every doorway had a sill and that many had boards that slid in to slots in an attempt to keep water out of their homes. Apparently it happens quite often. Swim...walk...eat...explore...take photos...ahhhh! Again all good things must end so now we are setting our sites on Korcula ...
Sunsets, Wine and Donkeys in Stari Grad
Awake at 8am after a relatively chilled out night in Hvar we had already departed port and were anchored in our next bay for the day. With almost all of the rest of the boat nursing a hangover and sleeping in we decided the best thing would be to go for an early morning swim. The water was much colder than it had been in previous bays but that didn't faze us at all. It was once again a nice reprieve from the wasps ...
Treasure Hunt
... is having a beer or wine. It sits well with them as we have not seen any drunk or misbehaving Croatians. Their culture is very relaxed and healthy but they do smoke. Every one is fit and we rarely see any one over weight, all are beautiful. I am so inspired I buy my first bikini!
Thursday we have a meeting with Niksa and Tatjana in Stari Grad and ask a lot of questions about the Jelsa building. They introduce us to Igor the lawyer who is ...
Living the dream
... we managed to drag ourselves around Starigrad for a look. It's a beautiful little town and one of the oldest in Croatia. We parked ourselves in a bar with free wifi, and enjoyed a cold drink. We also managed to catch the last game of the Wimbledon final and saw Murray beat Djokovich. We grabbed some pizza and ate it back on the yacht with a couple of beers. Then MedSailors put on a small cocktail party, so we joined that, had a few drinks and met a few ...
Hvar: A Beautiful Island to Not Rent a Bike
... but eventually the road evened out, and soon we were coasting our way down. The combination of having survived our ordeal and the prospect of getting back to Hvar and disowning the bikes made us a little giddy and we started whooping and hollering, in particular at a donkey on the side of the road as we sailed by. The donkey was less than impressed and more than a little bored.
We returned the bikes and swore off any further biking on ...


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AMERICA/COLOMBIA - "We must all support efforts to continue the dialogue for peace"
Bogotà (Agenzia Fides) – "We must all support and defend efforts to promote peace" the national director of Social Pastoral of the Catholic Bishops' Conference of Colombia , Mgr. Héctor Fabio Henao, told the press. These efforts, the priest said , should be undertaken by both the government and the FARC (Revolutionary Armed Forces of Colombia) in order to put an end to the conflict which has raged for half a century .
The press note forwarded to Fides says: "All processes pass through difficult times and situations when the parties involved have to clarify many things, but we must persevere and progress along this path".
Mons. Henao referred to the friction which has arisen in peace talks taking place in Cuba (see Fides 20/11/2012), due to recent government statements regarding thousands of hectares of land taken from farmers reportedly by FARC troops. The rebels replied that this accusation could cause peace talks to 'break down'. Colombian Home Minister, Fernando Carrillo, accused the rebels of interrupting the talks since they continue to kidnap army soldiers and launch attacks on civilians . "It is up to them, the FARC, to break the deadlock in the peace talks by ceasing to kidnap Colombians ", the Minister said. (CE) (Agenzia Fides, 25/02/2013)
Receive News from Fides Service in your email
- 2014-10-17 - "We hope peace is near" says Cardinal Salazar Gómez
- 2014-10-08 - The Auxiliary Bishop of Medellin: "We cannot get used to violence"
- 2014-10-06 - Another priest killed for armed robbery
- 2014-10-02 - Members of the third delegation of victims set off for Havana to meet with FARC representatives
- 2014-09-30 - Working with the indigenous open to inculturation: the commitment of the Apostolic Vicar of Mitu
- 2014-09-19 - Proclaiming the Gospel in an Amazonian context: the challenge for the Bishop of Puerto Leguizamo-Solano
- 2014-09-13 - The Week for Peace becomes "Year of Peace" in Cali
- 2014-08-20 - "Only mercy can make justice a reality", said Cardinal Salazar Gómez
- 2014-08-18 - The first 12 members of the delegation of the victims will participate in Peace Talks which take place in Cuba
- 2014-08-13 - Dialogues of Peace between the government and FARC


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This 1,800 square feet home offers 3 bedrooms, 1-1/2 baths, washer and dryer, CENTRAL AIR, and an OUTDOOR HOT TUB ON HUGE DECK FACING LAKE!!!, Home has a beach area with patio and fire pit, ample parking, and is fully furnished. Master bedroom has Sleep Number Queen bed and flat screen tv
Enjoy this rustic, all knotty pine cottage with OUTDOOR HOT TUB on private all-sports lake,
Lake Arrowhead (Known formerly as Buhl Lakes; west of Otsego Lake on map)is a private association, quiet and private!
Master bedroom has Queen bed, 2nd bedroom has double bed, 3rd bedroom has one single bed plus double bed. All linens, towels, bathroom & kitchen essentials supplied.
Huge deck facing lake with outdoor Hot Tub!
Fire Pit off lake area.
Propane grill for your use.
Non smoking cottage, please. Thank you! You must be 18 years old or older to rent this home.
Stove, Refrigerator, microwave, coffee maker, washer, dryer, all
linens, towels, utensils,
propane grill This chalet is completely
furnished; a home away from home!
Bring your wave runners and small motor boats-perfect for pontoons.
Pontoon, golf cart, and kayak rental is available. Home has one kayak and paddleboat to use while you stay. Please inquire asap if interested in renting pontoon or more kayaks as they book up quick.
Fishing can be done right off dock. You can see the bass, perch, bluegill, sunfish, & pike swimming on a calm morning or evening as lake is crystal clear.
Snowmobile DNR trails right from your door! Also Ski Hills nearby.
Plenty of trailer parking at cottage.
Please be aware, this rental is first come, first serve basis only. I cannot hold for any period of time.
With a unique location on the 45 parallel, the Alpine Village of Gaylord is truly Northern Michigan's heart. Whether planning to travel to Gaylord for the first visit or your 31st, we know that you will be back again and again. Gaylord is unique in its centrality - only minutes from everything you could hope for in the north and things you might not expect either, like top-notch shopping, galleries, arts, music festivals & wireless internet access you can use while relaxing on one of the park benches downtown or at Sunset Beach Chalet.
With 21 golf courses which include world-class resorts and championship golf designed by some of America's top golf course designers, the Gaylord area is your dream golf destination.
Experience all that is Northern Michigan along one of the many trails in Otsego County used for hiking, biking, x-country skiing and snowshoeing. The area abounds with pathways for outdoor enthusiasts of every skill and age level, and all are free to use with no trail passes required.
Ski & Snowshoe
In Gaylord you'll find the gently sloping terrain, heavily wooded forests and deep annual snowfall ideal for Nordic skiing. It is also not uncommon to see plentiful wildlife out on the trail. Our facilities range from rustic and scenic at the Pigeon River State Forest, to elegant and expertly groomed.
Located in the center of Northern Lower Michigan's Snow Belt, the Gaylord area averages over 180 inches of the white stuff annually. Surrounded by rolling hills, thousand of acres of unspoiled forests and numerous winter activities, Gaylord is quickly emerging as a preferred winter destination.
Elk Viewing
The Pigeon River State Forest's expansive 105,000 acres with the Midwest's only free ranging elk herd offers a unique wilderness experience that is just a short drive from downtown Gaylord. The Department of Natural Resources maintains this excellent elk habitat through careful forest and wildlife management.
Rain day? Keep the kids happy,
Visit the 24-lane Gaylord Bowling Center
Otsego County Sportsplex , where kids and grownups can swim in an Olympic-size pool or rent a pair of skates an take to the ice for "wintertime" fun, even as the sidewalks are sizzling outside.
Energy Outlet, a quaint park filled with slides, swings and climbing equipment. Throughout the park are structures embedded with information and etchings of the dinosaur age, and surrounding all the fun stuff is a paved walking track.
Call Of The Wild , where lifelike replicas of Michigan's wildlife will greet you at every turn of the tunnel. At Call of the Wild, fun and learning go hand in hand, and it's almost a sure thing that kids will want to go back again and again.
Bird Watcher's Paradise! See the Bald Eagles which live on the
lake. Also Pileated woodpeckers,
loons, ducks, hummingbirds plentiful.
Come in May for Morel Mushroom Hunting-Just walk in the woods nearby!
Ask about our April & May Madness specials on discounted rental fees.
Traverse City 45 minutes away
Petoskey 35 minutes
Mackinaw City within 1 hour
Boyne Mountain nearby with huge indoor waterpark
15 minutes south west of Gaylord (Lowes, Home Depot, Walmart, Meijers, and restaurants, six-screen movie theater, Otsego County Sportplex, Otsego Lake, Alpine Fest, and more)
Plenty of state land nearby to enjoy, hike, bike, hunt, fish
Less than an hour to Traverse City, Petoskey, Harbor%2
Downtown Gaylord is 15 minutes with shopping and resturants
Less than 1 hour from Mackinaw Bridge and Mackinaw Island
45 min Traverse City (Casino turtle Creek)
Snowmobiling and boating just a few feet outside your door
Heated community pool
21 golf course in and around Gaylord
|Rate Period
|Weekend Night
Jun 6 2015 - Sep 5 2015
7 night minimum stay
My Standard Rate
2 night minimum stay
|Notes: Rates are based on 4 guests; add $10 per night, per additional guest
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.
Pets are only considered at booking: Limit one Pet $25/weekend or $50/week.
2015 Summertime weeks are Sat.to Sat. June 6-September 5--$1400/week plus cleaning and taxes


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How to Layer and Look Good
Men's wear designer Michael Bastian explains how to put more on and pull it off.
Tech, Tools, Toys & the Hottest New Gear
Plus: When to Say No to Your Doctor
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Business type: Technology - Manufacturer ×
Category: Waste & Recycling ×
Subcategory: Industrial Shredders ×
Industry: Manufacturing, Other ×
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Maren Engineering Corporation
Manufacturer of quality, reliable & Heavy-Duty BALERS, SHREDDERS, DRUM CRUSHERS, DRUM PACKERS plus Used and Refurbished Equipment. Founded in 1962 by Walt Kurnik and Dave Brown, Maren Engineering Corporation has evolved into a North American leader for designing and manufacturing a full line of Horizontal Balers and Shredders. Additionally Maren markets a variety of ...
SSI Shredding Systems, Inc.
SSI Shredding Systems is a leading manufacturer of industrial shredders and size reduction systems. SSI custom designs and manufactures high quality 1-shaft, 2-shaft, and 4-shaft rotary shear shredders and primary waste reducers as well as pre-load transfer station and metals compactors. Our highly qualified staff provide you with complete system design and engineering ...
PRECIMECA Environnement
PRECIMECA designs and manufactures waste shredders since 1972. Specialists of solid waste shredders, industrial waste shredders, and leaders in tyre shredders field with installations all over the world to make Tyre Derived Fuel (TDF) or granulates (recycling rubber from tyres).
TOMRA Sorting (TITECH)
For metals, plastics, paper or wood - TOMRA Sorting Solutions (TITECH) is a leading provider of sensor-based sorting systems, established in the market with over 25 recycling applications. To date, we count more than 4,000 TITECH sorters working successfully in 40 countries. Whatever you want to sort: Our know-how helps you to implement individual recycling solutions. All ...
With our ethos of "Innovation at Work" EDGE persist in pushing the boundaries of design and manufacturing to produce hard working, quality machinery to fit any materials handling requirement from Recycling to Quarrying.The EDGE brand stems from a long tradition in the engineering industry in Ireland. With over 25 years experience designing and manufacturing machinery for ...
Shredfast, Inc.
Shredfast, Inc. has manufactured over 300 mobile shredding systems world wide. In 1999, Shredfast, Inc. set new standards in the Mobile Document Destruction industry, ultimately changing the way documents were being processed. We initiated the evolution of equipment - including automated bin lifts, fixed body moveable walls, synchronized automated feed systems and ...
Recycling Equipment Inc. (REI)
Since 1994, REI has been an industry leader, providing our customers with cutting edge technology to meet their waste and recycling challenges. REI offers safe, cost effective equipment, financing, installation and service. We also provide turn-key solutions that turn your commercial waste into revenue.
Ameri-Shred Corp.
For twenty five year, Ameri-Shred has been a leading manufacturer of rugged, high quality shredders and auxiliary equipment. Industries served include document destruction, e-destruction, wood, plastics, product destruction as well as waste reduction and separation. Ameri-Shred also offers extensive engineering capabilities, and a service department second to none.
Granutech-Saturn Systems
Granutech Saturn Systems, offers a diversified line of recycling equipment systems that can be easily integrated into a single processing facility. From shredders to granulators to powederizers and refiner mills -- to auto crushers and balers/loggers, our engineers continuously develop products that meet the needs of your industry and application. But more importantly, ...
SatrindTech S.r.l.
Consolidated experience and leadership in engineering, manufacturing and installation of industrial shredders and complete shredding plants for waste reduction, reclaiming and disposal. Our solutions are designed for waste treatment with capacity and range specific for recycling and disposing requirements in different sectors.
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Survey: Loan Production Costs Expected to Rise
October 31, 2014 | TILA-RESPA Integrated Disclosure rule | Leave a Comment
Survey: Loan Production Costs Expected to Rise
Author: Tory Barringer in Daily Dose, News, Origination October 30, 2014
With less than one year left before the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) disclosure rule goes live, a new survey finds more lenders are battling with increased loan costs as quality control becomes the top concern.
In a poll [1] of mortgage executives conducted at the Mortgage Bankers Association's (MBA) Annual Convention earlier this month, data management solutions firm Capsilon [2] found 95 percent of lenders surveyed are either somewhat concerned about loan quality right now, with four in five saying they are "very concerned."
With the TILA/RESPA requirements scheduled to go into effect in August 2015, 84 percent of survey respondents said their companies have already started preparations to be compliant by the deadline. More surprisingly, Capsilon said, was that 7 percent of respondents said their companies have not yet begun preparations, while 9 percent were unsure.
As the majority of lenders prepare for the deadline, the survey also found firms are planning to pay more money for compliance-related activities next year on top of the increased costs they've already taken in 2014.
According to the findings, 80 percent of executives surveyed reported that their 2014 loan production costs are somewhat or significantly higher than they were last year as a result of regulatory requirements, and 39 percent anticipate spending more for compliance next year.
The results fit with MBA's most recent report on mortgage banking profits [3], which found total loan production expenses averaged $6,932 per origination in the second quarter, down more than $1,000 from the first quarter but up more than $1,000 from the same time the year before.
"Clearly, this survey data confirms that lenders are struggling with increasing costs as they contend with a myriad of new regulations that require a heightened focus on data integrity and loan quality," said Capsilon CEO Sanjeev Malaney.
To help keep labor costs and hassle down, Malaney recommends lenders adopt an automated, data-centric model to stay competitive.
"Technology gives lenders the ability to move to a straight-through loan processing model, where much of the workflow is automated, with only a small percentage of loans requiring human intervention," he said.
Michelle's Echo: CAMP's Weekly Messenger
October 29, 2014 | California State | Leave a Comment
Wednesday, October 29, 2014
I just love October! The cool fall weather, all things pumpkin, and most of all…we get to play dress up on Friday! I love Halloween. Most of you know I love to dress up. I love to see how creative everyone is with their costumes! Speaking of October, who has it better than us? NO ONE! I was hoping to be able to congratulate the San Francisco Giants but true torture and we have a game 7 tonight. Let's do this Giants!!!
It's almost time to renew your NMLS License. The NMLS
is launching "Your License is Your Business" campaign to encourage loan originators to submit their annual renewal requests in November. You are able to do this beginning on November 1st. By renewing in November, you will be less likely to have a lapse in licensing. 94% of all renewal applications submitted in November are approved by December 31st. To renew your license, you can log in to the System, select the state agency and the license type, pay the fees and submit a renewal request, you must also complete the required hours of continuing education prior to submission. As only two-thirds of license renewal requests are submitted in November and the NMLS is encouraging licensees to submit a renewal request by November 15th.
I know this has been in the Echo for the past few weeks but NAMB is seeking your help so they may tell your story. They have only had a couple hundred responses. We need more because the CFPB is looking for data from the mortgage industry in order to make favorable adjustments to the stringent regulatory changes that are currently in place. Now is not a time to say, "My voice doesn't matter."
They need your input in a survey that shouldn't take more than 5 or 10 minutes of your time. You can estimate your numbers if you cannot remember the exact numbers. Here is the link:
The major data points we would like to see are:
- TOTAL number of Loans closed in YTD.
- TOTAL Dollar Volume of your loans YTD.
- TOTAL amount of Mortgage rebates that you gave to the customer to help pay their closing costs YTD. This amount will be the sheet price of the loan, minus your Lender Comp, minus any hits and this would be the net amount that you would have given back to the customer to help pay fees and reduce closing costs.
The bottom line is CAMP is working with NAMB to keep the lines of communication open with our regulators. Together we can improve the state of housing and do what is best for the consumer and small business mortgage professionals. It doesn't matter if you are a mortgage broker or a mortgage banker, CAMP/NAMB is here for you…the mortgage professional.
On the Legislative Front:
I've been saying for the past couple of weeks that we are all quiet on the Legislative front. We continue to be quiet but I want to remind everyone to get out and vote next Tuesday. You may or may not have important races coming up but there are a couple of candidates that really need our vote. Remember, Ted Grose, a former CAMB State President, is in a closely contested race in the 62nd district and he needs your vote. Mark Steinorth is running for Assembly in the 40th district and could use your vote. Lastly, for those of you in the 31st Congressional District, Paul Chabot has pledged to help homeowners (looking specifically for Veterans) and he could use your vote.
Upcoming Chapter Events:
Southern Los Angeles County CAMP is hosting "How CAMP is working for you" Scott Griffin and I will be attending on Wednesday, November 12, 2014 from 11:30 to 1pm. in Long Beach. Exact location to follow. For more information, contact Chapter President, Nelson Otero 714-373-5700 or email@example.com
Silicon Valley CAMP is hosting their monthly breakfast meeting on Friday, November 14, 2014 from 8:30 to 10 at Three Flames Restaurant, Banquet Room, 1547 Meridian Avenue, San Jose, CA 95125. No need to register, pay at the door.
San Francisco Peninsula CAMP is hosting "Everything you need to know about Credit Scoring and More" on Wednesday, November 19, 2014 at Dominic's @ Oyster Point, 360 Oyster Point Blvd, South San Francisco, CA. For more information, contact Chapter President Donna Aldrich at 415-345-4320 or firstname.lastname@example.com
Online Training:
New CAMP Benefit
Do you hate to sit in an all-day class? Are you too busy to give up just One day of your time? Do you still need your NMLS CE? Check out our new CAMP benefit, Online Training: CAMP members now receive discounted rates for online NMLS training.
Live Chapter Continuing Education:
Inland Empire Chapter is hosting a live 8 hour NMLS class on Thursday, November 6, 2014. This will be held at the PRMG Training Room, 1265 Corona Point Court, Corona CA 92879. Huge discount for CAMP members! Register at www.iecamb.com
North Bay Chapter will be holding a final NMLS training class on Tuesday, December 2, 2014. This will be held in Petaluma. More details to follow but you can contact Rick Reith at 415-740-8834 for more info.
Silicon Valley Chapter will be holding their final NMLS training class on Wednesday,December 3, 2014. This will be held at the Silicon Valley Business Center, 1900 Camden Avenue, San Jose, CA. Click here to register: http://www.siliconvalleycamp.com/event-1780648
If you would like me to include upcoming events please send me an email.
Until next week,
Michelle Velez, President
California Association of Mortgage Professionals
email@example.com I thecampsite.org
This is why California is in the middle of another housing crisis
October 28, 2014 | California State | Leave a Comment
Affordability and mortgage lending issues abound
Decades from now, when history writes the story of the Millennials, they may well be remembered as the first generation for whom using smartphones and social media was as natural as taking a breath. Yet unless things change, there's a good possibility they'll also be known as the generation that couldn't afford to buy or rent a home.
It's ironic that when the first Millennials were born, their Baby Boomer parents couldn't afford a home either. Looking back to October 1981, interest rates on a 30-year, fixed-rate mortgage exceeded 18%. It wasn't until rates fell below 10% in 1986, and to the 7% range in the early 2000s, that affordability ceased to be a major impediment to homeownership.
Today, California's housing affordability problem is back – only this time it is fueled by rising home prices and lack of access to capital rather than double-digit interest rates.
On Nov. 14, the California Association of Realtors will convene economists, policymakers, and practitioners for "The Real Estate Summit: Partnering for Change in California." The summit will explore the issue of housing affordability, as well as California's infrastructure, foreign investment, consumer trends, housing finance, and policy implications.
So how serious is the problem?
CAR's Housing Affordability Index – which tracks the percentage of households that can afford a median-priced, single-family detached home assuming current interest rates and 20% down – fell from 33% in the first quarter of 2014 to 30% in the second quarter, a 26% decline from a peak of 56% in early 2012. While home buyers needed to earn an annual income of $56,320 to purchase the median-priced house two years ago, today they need an additional $37,270, or $93,590 total annually, to qualify.
The reasons behind the decline in affordability are many: slower-than-expected economic growth, incomes that haven't kept pace with rising home prices or rents, pent-up demand, lack of supply, tighter lending criteria in response to new mortgage regulations from Congress, and indecision about the future of Fannie Mae and Freddie Mac, to name a few.
What the numbers don't reveal is the impact the problem is having on individuals and families. Nationally, more than half of adults surveyed say they've taken a second job, postponed retirement contributions, run up credit cards, or moved to a cheaper neighborhood in order to cover their rent or mortgage over the past three years, according to the MacArthur Foundation. Another study reports that 45% of college-educated Millennials have moved back in with their parents because they can't find a job or the one they have doesn't cover student loans and a place to live.
A lack of new home construction is likely to cause further affordability issues unless housing starts increase in line with local job gains, according to the National Association of Realtors. Its analysis found that too few homes are being constructed in relation to local job market conditions, and that lack of construction has "hamstrung" supply and slowed home sales.
Here in California, it has been estimated that the post-recovery real estate market could easily absorb 250,000 new units of owner-occupied or rental housing – a need that isn't even close to being fulfilled.
What's the key reason?
Many small builders continue to experience limited access to credit and rising construction costs. Despite strong demand, the number of single-family housing permits issued in August 2014 declined by nearly 21% from the same month in 2013, while the number of multifamily permits was down almost 24% year over year.
There are some who believe California's housing affordability problem will work itself out as the economy improves and consumer expectations align with real estate market realities.
They may be right.
The question is: What will be the ultimate cost of such inaction, both now and over the long term?
U.S. Urges AIG, MGIC to Back Fastest-Growing VA Loans
October 28, 2014 | Fannie/Freddie, FHA, VA | Leave a Comment
U.S. Urges AIG, MGIC to Back Fastest-Growing VA Loans
Private insurers are considering a request by U.S. officials to guarantee mortgages for veterans — the fastest growing part of the market.
The Department of Housing and Urban Development is urging mortgage insurers that rely on Fannie Mae and Freddie Mac for business to offer supplemental protection for lenders to military members and veterans. Only 25% of VA loan amounts are backed by the Department of Veterans Affairs — a limit that keeps some firms from fully participating in the program, Ginnie Mae President Ted Tozer said.
As soldiers returned to America after more than 2.6 million served overseas since 2001, and the cost of Federal Housing Administration insurance jumped, the VA share of home lending has soared, accounting for almost 9% in the second quarter, at least a 20-year high. Insurers including American International Group Inc. and MGIC Investment Corp. are looking at these loans as their role in the mortgage market expands.
"It's something I'm definitely interested in exploring," Donna DeMaio, who runs AIG's United Guaranty mortgage-insurance unit, said in an interview at a Mortgage Bankers Association conference last week. "I'm really interested in new ways we can help produce access to credit."
The 25% cap on VA insurance "leaves a lot of small lenders awfully exposed and reluctant to offer veterans credit under this initiative," HUD Secretary Julian Castro said during his speech at the conference in Las Vegas. Getting another layer of protection would make them "feel confident when offering these loans — giving more of our nation's heroes a chance to buy a home in the country they risked everything to protect."
When smaller lenders do offer VA loans, they often sell the servicing contracts to larger lenders to get rid of the default risk, said Tozer of Ginnie Mae, which guarantees $1.5 trillion of bonds mostly backed by FHA and VA loans. That leaves those smaller lenders with a diminished role in the VA market, reducing competition that can cut borrowing costs and limiting underwriting flexibilities.
Mike Frueh, director of the VA's loan guaranty service, said that while the 70-year-old program has about 1,500 firms making loans that it guarantees, the agency supports using extra insurance to draw in more. The reduction of lenders' money at risk, a key part of VA lending since its creation, would be addressed by the insurers wanting "to make sure they're making a safe bet."
Robert Van Raaphorst, a spokesman for the Mortgage Bankers Association, said that the group couldn't yet comment on the idea.
VA lending, which doesn't require a down payment, has expanded as the U.S. draws down troops after more than a decade of combat in Iraq and Afghanistan. The VA has also taken business from FHA after that agency, which guarantees loans with down payments as low as 3.5%, increased the cost of its insurance to rebuild its depleted fund.
VA loans accounted for about $26 billion or 9% of mortgages made in the second quarter, up from 7% in all of 2013 and less than 2% a decade ago. The loans were used to finance 8% of all home purchases in the three months through September, an increase from 4% in the three months through May 2010.
Higher FHA insurance premiums are also pushing borrowers to get loans from government-controlled Fannie Mae and Freddie Mac. They require loans with less than 20% down payments to carry mortgage insurance that covers the initial losses.
FHA borrowers must now pay as much as 1.35 percentage point in annual mortgage-insurance premiums, along with an upfront fee of 1.75% of the loan balance. Prior to October 2010, borrowers paid an annual amount of 0.55%.
"As more business shifts to the private market and away from the FHA," the mortgage insurers are benefiting, MGIC Chief Executive Officer Curt Culver said on an Oct. 15 conference call with analysts.
The industry backed 14% to 15% of new loans last quarter, he said. That's up from less than 5% in 2009 and 2010.
"As private capital we certainly would like to explore as many ways as possible to prudently participate in the housing recovery and expansion," including supplemental VA loan insurance, Mike Zimmerman, a spokesman for Milwaukee-based MGIC, said in an email.
Whether the company expands into the VA market and generates adequate returns depends on issues including the level of capital that will be required under pending changes to Fannie Mae and Freddie Mac rules and state requirements, he said.
Radian Group Inc. is "interested in offering insurance on government mortgages both VA and FHA, but our participation will depend on the terms and structure," Emily Riley, a spokeswoman, said in an email.
The potential "incremental" profit opportunity depends on what kind of margins would be possible, said Jason Stewart, an analyst at Compass Point Research & Trading LLC. Some of the mortgage insurers may not have enough spare capital at this point in time to even entertain the idea, he said.
"It's a good thing to explore," Stewart said.
After surging in 2013, mortgage insurer shares have struggled this year amid slowing home sales and the potential for tighter rules for the industry. Shares of MGIC, which tripled last year, have gained 0.2% since Dec. 31 to $8.46. Radian is up 8.6% to $15.34 this year, after more than doubling in 2012 and again the following year.
Insurers formed after the housing market crashed in 2008 have also suffered. Shares of Essent Group Ltd. are down 3.2% in 2014, while NMI Holdings Inc. has slumped 32%.
Insurers, which have seen little demand since the financial crisis to back loans that banks hold on their books, probably can get additional business from Fannie Mae and Freddie Mac as more borrowers learn to avoid higher FHA fees, NMI Chairman and CEO Brad Shuster said in an interview. His firm wants to hear more about the VA opportunity, seeing it as a "potential expansionary measure," as he said.
"It's an interesting idea, it's certainly one we're exploring," said Adolfo Marzol, an executive vice president at Essent Guaranty Inc.
NAMB The Monday Morning Messenger 10/27/2014
October 27, 2014 | NAMB | Leave a Comment
Monday, October 27
NAMB—The Association of Mortgage Professionals is currently working on a survey that we need everyone to complete. As of today, we only have about 160 people who have answered it and we need a lot of responses, like more than 500! This is information we are gathering to present to the Consumer Financial Protection Bureau (CFPB). Please understand that we will not release the name of the company on the report, but we need to have this information for the validity of the report. Please take just five minutes of your time and complete this survey now. The link to the survey can be found here.
As you know, we are still out there pushing you to enroll for the NAMB Lending Integrity Seal of Approval. Many originators need to understand that people are looking everywhere for a reason to use an originator that sets them apart from every other originator. They want qualified, professional and ethical men and women who will help them achieve the American dream of homeownership. Only NAMB members are eligible to carry the Lending Integrity Seal of Approval and it will set you apart from all of the rest out there. So do not delay. Go on to www.namb.org and complete your registration NAMB's Board of Directors held a meeting this week, and we are in the planning stages of the 2015 Legislative & Regulatory Conference in Washington, D.C. We will soon have a date for this event, and then we can all begin to start the process of planning appointments to see and visit with our elected officials. However, you should start looking to see which members of Congress are not running this term and begin to make contacts with them now. Contact your representatives and arrange a meeting to help you in the future. There has never been a better time to introduce yourself to those who make the rules.
And on another note, right around the corner is Election Day, Tuesday, Nov. 4. Make sure that you get out there and vote. Everyone's vote counts and this means you too!
I want to thank all of you who were involved with the NAMB National event in Las Vegas, including the staff, workers, volunteers, members of the NAMB Board of Directors, exhibitors and speakers, Vince Valvo, the NAMB National Committee, and NAMB National Committee Chair Nathan Pierce for a great and successful conference. But, I specifically want to THANK YOU, the attendees, for without you, it could not have happened. I would like to see 3,000 people attend NAMB National next year … that is my goal. We will be back again at the Luxor on Oct. 17-19, 2015, and we will again have all of the space, along with some additional space, to make sure that we have room for everything. I will keep you informed as to when you need to begin registering for this event and getting your flights scheduled for next year.
Last week, I attached information on the NAMB UPS program. It is something that NAMB is involved in so that members can save money. I am repeating the information for those of you who lost it or forgot. You can receive these discounts even if you already have a UPS account. Remember, the more you ship, the more you can save with UPS. To enroll and start saving immediately, visit www.savewithups.com/namb or call (800) MEMBERS (1-800-636-2377), Monday-Friday, 8:00 a.m.-6:00 p.m. EST. Make sure that you mention you are an NAMB member. Contact UPS for specific services and discounts. Introductory Program discounts will be applied to accounts for Weeks 1 through 4 on the UPS Savings Program. Week 1 includes the date that discounts are applied. Weeks are calculated Sunday through Saturday..
I would be remiss if I didn't remind all of you that Nov. 1, 2014 is the beginning of the 2014 NMLS Renewal period. Please make sure that you get your education completed and you get this renewal completed, so that you can be ahead of the game and get your license renewal early and avoid waiting until the last minute to complete this. Any questions on this, please contact the NMLS for more details.
Halloween is this Friday, so please be careful and make it enjoyable as a family outing or a family gathering.
Until next week!
Donald J. Frommeyer, CRMS, CEO
NAMB—The Association of Mortgage Professionals
firstname.lastname@example.com www.joinnamb.com
NAMB Government Affairs Update 2014 Mortgage Survey
October 24, 2014 | NAMB | Leave a Comment
NAMB Government Affairs Update
2014 Mortgage Survey
The CFPB Wants To See Data
Recently the Government Affairs team met with the CFPB to discuss mortgage brokerage compensation, the 3% cap on points and fees, as well as loan origination compensation. The CFPB provided excellent industry insight and guidance into several of the key areas plaguing mortgage originators and mortgage brokerage entities.
It is obvious the CFPB is a data driven organization and NAMB is determined to show them that the mortgage broker model is extremely effective in mitigating upfront costs for consumers. We are also determined to show them that thousands of small businesses are being adversely impacted due to the limitation on entity revenue.
So, here we are. Your industry needs your help. Your industry needs you to participate and respond to this survey to the best of your ability.
If you don't have exact numbers, please provide us with your best estimate.
The major data points we would like to see are:
- TOTAL number of Loans closed in YTD.
- TOTAL Dollar Volume of your loans YTD.
- TOTAL amount of Mortgage rebates that you gave to the customer to help pay their closing costs YTD. This amount will be the sheet price of the loan, minus your Lender Comp, minus any hits and this would be the net amount that you would have given back to the customer to help pay fees and reduce closing costs.
Each survey participant will receive the video webinar,
Getting More Business With Realtors presented by Maximum Acceleration. In addition, Mortgage Educators will be giving away 5
8-hr NMLS classes to be used for 2014 or 2015.
Here is the bottom line, NAMB has open lines of communication with our regulators and will continue to work with them to improve the state of housing and do what is best for the consumer and small business mortgage professionals.
Just remember, It does not matter if you are a mortgage broker or a mortgage banker, NAMB is here for you…the mortgage professional.
For more information on NAMB's Government Affairs projects or on how you can get involved, contact Rick Bettencourt anytime at firstname.lastname@example.com.
Please share this with your colleagues. Thank you for your time and support.
CFPB finalizes amendments to mortgage rules
October 23, 2014 | CFBP, Qualified Mortgage | Leave a Comment
CFPB finalizes amendments to mortgage rules
Posted: 23 Oct 2014 08:05 AM PDT
Richard J. Andreano, Jr.
The CFPB has issued a final rule amending certain provisions of the 2013 Title XIV final mortgage rules. While in its press release the CFPB describes the amendments as "minor adjustments to its mortgage rules," the final rule contains several major changes from the CFPB's proposal.
QM Points and Fees Cure. Generally, to be considered a qualified mortgage (QM), a mortgage loan must not contain points and fees that exceed three percent (3%) of the loan if the principal is $100,000 or more. The final rule addresses the scenario when a lender discovers post-consummation that a loan it originated is not a QM because the points and fees exceeded the 3% (or other applicable) cap.
As proposed, the rule creates a procedure permitting the lender to refund the overage amount of points and fees to the borrower within 210 days of consummation and keep the loan's QM status. However, while allowing a longer cure period than the proposal's 120 day period, the final rule only allows a cure for loans consummated on or after the final rule's effective date and on or before the sunset date of January 10, 2021. Also unlike the proposal, the final rule includes events that cut off the ability to cure. The cure is only available prior to the occurrence of any of the following events: (1) the consumer's institution of an action in connection with the loan; (2) the creditor, assignee or servicer receiving written notice from the consumer that the loan's points and fees exceed the applicable limit, or (3) the consumer becoming 60 days past due. And in another significant change from the proposal, the final rule requires the lender to pay interest on the points and fees overage at the contract rate applicable during the period from consummation until payment is made to the consumer.
The final rule includes a requirement for the lender to maintain and follow policies and procedures for "post-consummation review of points and fees" (but expressly does not require a full loan review as some commenters thought the proposal would have mandated). However, the final rule does not include the CFPB's proposed requirement that the lender must have originated the mortgage loan in good faith as a QM.
Alternative Small Servicer Definition. Under the RESPA-TILA mortgage servicing rules, "small servicers" (as defined by the servicing rules) are exempt from certain provisions of the rules if they service 5,000 or fewer mortgage loans annually and meet other requirements. The CFPB proposed an alternative definition of a small servicer to address concerns that nonprofits that receive fees to service loans for other associated nonprofits might not be able to qualify for the small servicer exemption. As proposed, the final rule expands the definition of a small servicer to include a nonprofit entity that services 5,000 or fewer mortgage loans, including any mortgage loans services on behalf of associated nonprofit entities, for all of which the servicer or an associated nonprofit is the creditor.
Nonprofit Lender Exemption from ATR Provisions. The ability-to-repay (ATR) rule exempts certain nonprofits that make mortgage loans to low or moderate income borrowers from certain provisions of the rule if they make no more than 200 dwelling-secured loans per year and meet other specific requirements. As proposed, the final rule amends the exemption so that subordinate lien loans for down payment assistance and certain other purposes that are interest-free, forgivable, and meet certain other conditions (so-called "soft seconds") would not count toward the annual 200 loan limit.
Effective Date. Except for a commentary revision dealing with the relationship between the QM cure and the RESPA/Regulation X tolerance cure under the TILA-RESPA integrated disclosure rule that becomes effective next year, the final rule becomes effective upon its publication in the Federal Register. Under Regulation X, if any charges at settlement exceed the charges listed in the good faith estimate by more than the permitted tolerance, the lender can cure the tolerance violation by reimbursing the amount by which the tolerance was exceeded on or within 30 calendar days after settlement. The final rule adds a comment that provides that amounts paid to a consumer pursuant to the QM cure can be offset by amounts paid to the consumer pursuant to the RESPA/Regulation X tolerance cure to the extent the amount paid to cure the tolerance violation is being applied to points and fees. Effective August 1, 2015, to coincide with the effective date of the CFPB's final rule integrating the TILA and RESPA application and closing disclosures, that comment will be replaced with a substantially similar new comment that references the tolerance cure provision in the TILA-RESPA integrated disclosure rule.
Unaddressed Issues. In its proposal, the CFPB requested comments on two additional issues: (1) whether and how to provide for a cure provision for QM loans that inadvertently exceed the 43% debt-to-income ratio required under the ATR rule; and (2) the credit extension limit applicable to the small creditor exemption under various Dodd-Frank rules. The final rule does not address these issues. In the final rule's supplementary information, the CFPB states that it is considering comments submitted on these issues and whether to address them in a future rulemaking.
Michelle's Echo: CAMP's Weekly Messenger
October 22, 2014 | California State | Leave a Comment
Wednesday, October 22, 2014
We have a little more than a week left in October. While I'm really enjoying the cooler fall weather, I'm hoping for rain. We did have one day of rain but it's really not enough. On a different note, I'm happy to see the SF Giants in the World Series. I don't know about you but I thought that was an amazing game last night!
The CFPB is seeking comments on a proposed rule amending Regulation C to implement amendments to the Home Mortgage Disclosure Act. The Bureau is looking to add several new reporting requirements and to clarify several existing requirements. One of the items in question is the required time for re-disclosure once a file is locked. The question is what would the lender interpretation be? Is this another requirement that will hold up your loan? How will the new disclosure be required to be delivered? You can review the proposed rule and make comments by clicking the link below: http://www.consumerfinance.gov/notice-and-comment/
Are you still utilizing FHA insured loans for houses that are owned by the seller for less than 90 days? If so, you should have a conversation with your Realtor referral partners. FHA guidelines are set to revert back to requiring a seller to own a home for a minimum of 90 days before reselling the home at the end of this year.
Would you like to make a difference for your industry but don't have a lot of time? You can help by providing information. NAMB is seeking your help so they may tell your story. The CFPB is looking for data from the mortgage industry in order to make favorable adjustments to the stringent regulatory changes that are currently in place. Now is not a time to say, "My voice doesn't matter." They need your input in a survey that shouldn't take more than 5 or 10 minutes of your time. You can estimate your numbers if you cannot remember the exact numbers. Here is the link: Click Here
The major data points we would like to see are:
- TOTAL number of Loans closed in YTD.
- TOTAL Dollar Volume of your loans YTD.
- TOTAL amount of Mortgage rebates that you gave to the customer to help pay their closing costs YTD. This amount will be the sheet price of the loan, minus your Lender Comp, minus any hits and this would be the net amount that you would have given back to the customer to help pay fees and reduce closing costs.
Each survey participant will receive the video webinar, Getting More Business With Realtors presented by Maximum Acceleration. In addition, Mortgage Educators will be giving away 5 8-hr NMLS classes to be used for 2014 or 2015.
The bottom line is CAMP is working with NAMB to keep the lines of communication open with our regulators. Together we can improve the state of housing and do what is best for the consumer and small business mortgage professionals. It doesn't matter if you are a mortgage broker or a mortgage banker, CAMP/NAMB is here for you…the mortgage professional.
Legislative update:
Things are quiet on the State and Federal Legislative fronts. However, there is an issue brewing in San Francisco that I would like you to be aware of. Why? Because if it passes in San Francisco, it could be coming to your home town soon!
Proposition G is currently on the Ballot in San Francisco. It would have a negative effect on your clients and could hurt the San Francisco housing market. If passed, Prop G would impose a tax up to 24% on the total sale price of homes with 2 or more units and single-family homes with in-law units sold within 5 years of ownership. With the median home sale price in San Francisco over $1 million, homeowners may face up to $240,000 in taxes if they choose to sell their home. This tax will scare away middle-class homebuyers, drive up prices for new renters and tenants, and damage the housing market as a whole. Did I mention that this tax is also retroactive? It does have a sliding scale but I'm sure you can see what this will do to the housing market.
The NO on G campaign is looking for help. Grass roots door knocking, phone calls or just a donation. If you would like to read more on this, click on here for more details:http://www.stopthehousingtax.com/
Upcoming Chapter Events:
Southern Los Angeles County CAMP is hosting "How CAMP is working for you" Scott Griffin and I will be attending on Wednesday, November 12, 2014 from 11:30 to 1pm. in Long Beach. Exact location to follow. For more information, contact Chapter President, Nelson Otero 714-373-5700 or firstname.lastname@example.com
Silicon Valley CAMP is hosting their monthly breakfast meeting on Friday, November 14, 2014 from 8:30 to 10 at Three Flames Restaurant, Banquet Room, 1547 Meridian Avenue, San Jose, CA 95125. No need to register, pay at the door.
San Francisco Peninsula CAMP is hosting "Everything you need to know about Credit Scoring and More" on Wednesday, November 19, 2014 at Dominic's @ Oyster Point, 360 Oyster Point Blvd, South San Francisco, CA. For more information, contact Chapter President Donna Aldrich at 415-345-4320 or firstname.lastname@example.com
Online Training:
New CAMP Benefit
Do you hate to sit in an all-day class? Are you too busy to give up just One day of your time? Do you still need your NMLS CE? Check out our new CAMP benefit, Online Training: CAMP members now receive discounted rates for online NMLS training.
Live Chapter Continuing Education:
Greater Sacramento Chapter is hosting a live 8 hour NMLS class here in the Sacramento area on Tuesday,
October 28, 2014. We are welcoming back Ginger Bell from Strategic Compliance Partners to teach this class once again. This fulfills the yearly 8 hour continuing education requirement for Mortgage Loan Originators. The price (including lunch) is $99 for CAMP members and $139 for non-members. Please be sure to register ASAP to save your spot. Registration link and additional information here: Click Here
Inland Empire Chapter is hosting a live 8 hour NMLS class on Thursday, November 6, 2014. This will be held at the PRMG Training Room, 1265 Corona Point Court, Corona CA 92879. Huge discount for CAMP members! Register at www.iecamb.com
North Bay Chapter will be holding a final NMLS training class on Tuesday, December 2, 2014. This will be held in Petaluma. More details to follow but you can contact Rick Reith at 415-740-8834 for more info.
Silicon Valley Chapter will be holding their final NMLS training class on Wednesday,December 3, 2014. This will be held at the Silicon Valley Business Center, 1900 Camden Avenue, San Jose, CA. Click here to register: http://www.siliconvalleycamp.com/event-1780648
If you would like me to include upcoming events please send me an email
Until next week,
Michelle Velez, President
California Association of Mortgage Professionals
firstname.lastname@example.com I thecampsite.org
Financial Regulators Finalize QRM Rule
October 22, 2014 | CFBP, Dodd-Frank Act, QRM, Qualified Mortgage | Leave a Comment
Financial Regulators Finalize QRM Rule
Author: Tory Barringer October 21, 2014 0
Federal regulators announced on Tuesday they have finalized a rule establishing a risk retention framework for mortgage lenders securitizing and selling loans.
The so-called qualified residential mortgage (QRM) rule, which was put up for consideration by FDIC's board of directors Tuesday morning, would require banks to retain at least 5 percent of a loan's risk when packing mortgages to sell to investors in the secondary market. The rule comes as a response to last decade's housing bubble, when lenders let their standards slip and passed on the risk to investors, resulting in an economic crash as those mortgages defaulted.
The QRM rule is one of the bigger provisions mandated by the 2010 Dodd-Frank Act, with co-author Barney Frank remarking in the past that risk retention is "the single most important part of the bill."
Regulatory leaders agreed, assuring lawmakers last month that they were close to completing the rulemaking.
The road to finalizing a QRM rule has been a bumpy one. Regulators—including FDIC, HUD, the Federal Reserve, the Securities and Exchange Commission, the Office of the Comptroller of the Currency (OCC), and the Federal Housing Finance Agency (FHFA)—first proposed a draft in 2011.
The group released a second proposal in 2013, removing some of the more contentious provisions—in particular, a requirement that banks must retain risk on mortgages with down payments lower than 20 percent—in response to industry concerns.
The finalized rule is more closely aligned with the Consumer Financial Protection Bureau's (CFPB) qualified mortgage (QM) rule implemented early this year. Both rules exclude from qualification mortgages with debt-to-income ratios exceeding 43 percent, and both prohibit loans with riskier features like balloon payments or terms longer than 30 years.
In separate statements released Tuesday, regulators expressed optimism that the finalized rule will give the housing finance sector greater certainty, opening the door for more activity from private investors.
"Aligning the Qualified Residential Mortgage standard with the existing Qualified Mortgage definition also means more clarity for lenders and encourages safe and sound lending to creditworthy borrowers," FHFA Director Mel Watt said. "Lenders have wanted and needed to know what the new rules of the road are and this rule defines them."
Comptroller of the Currency Thomas J. Curry said securitizations can provide an incentive for lax underwriting if the weak credits can be transferred from originators to investors with no further responsibility for the loans.
"The rule we are approving today will require lenders to retain some of the risk for the loans that go into securitized pools except for home mortgages that meet the standards necessary under the qualified residential mortgage, or QRM, exception," Curry said. "Under this rule, QRM is equivalent to QM – that is, the Qualified Mortgage rule approved by the Consumer Financial Protection Bureau."
Industry groups were also optimistic about Tuesday's announcement, praising policymakers' efforts to avoid confusion by lining up QM and QRM together.
"This rule was required by Dodd-Frank to ensure that loans sold into the secondary market are properly underwritten, a goal which the QM rule also helps to ensure. It is appropriate and good policy to align the two," said Frank Keating, president and CEO of the American Bankers Association. "This will encourage lenders to continue offering carefully underwritten QM loans, and avoid placing further hurdles before qualified borrowers, allowing them to achieve the American dream of homeownership."
Mel Watt and Julian Castro announce housing policy changes
October 21, 2014 | Fannie/Freddie | Leave a Comment
MBA calls the policy changes "extremely positive"
Federal Housing Finance Agency Director Met Watt and U.S. Secretary of Housing and Urban Development Julian Castro announced their plans to address some of the housing finance industry pain points in what MBA CEO David Stevens called "extremely positive" policy steps.
Speaking at the Mortgage Bankers Association Annual Convention & Expo on Monday, Watt and Castro outlined changes that would reduce confusion and risks for lenders.
"We know that access to credit remains tight for many borrowers, and we are also working to address this issue in a responsible and thoughtful manner," Watt said. "Additionally, FHFA continues to evaluate ways to refine and improve the loss mitigation and foreclosure prevention policies at the Enterprises, because we understand that many individuals and families are still facing the possibility of foreclosure and are looking for alternatives to stay in their homes."
Watt said that the FHFA was clarifying the Representations and Warranty Framework to help reduce repurchases.
Watt said the GSEs would be announcing more details on changes related to reps and warranties in the near future, including:
- Developing an independent dispute resolution process
- Identifying cure mechanisms and alternative remedies for lower-severity loan defects
- Servicing representations and warranties
- Modifying compensatory fees and foreclosure timelines.
Watt said the The FHFA and GSEs are in the process of creating the Common Securitization Platform, which will create a shared securitization infrastructure for Fannie Mae and Freddie Mac that will operate under the Common Securitization Solutions corporate structure. The FHFA will be naming a CEO to the CSS by the end of the year, Watt said.
"Credit is the lifeblood of the housing industry," Castro said. "It's in our entire nation's interest to help more responsible Americans succeed in the housing market by expanding access to credit."
Castro outlined HUD's plan to expand access to credit with its Blueprint for Access initiatives:
- Overhauling the Single Family Housing Policy Handbook to give lenders clarity on policies and compliance
- Launching the Supplemental Performance Metric to capture a more in-depth view of a lender's portfolio performance, comparing lenders on their performance with others doing business in specific credit score ranges
- Redrafting the Loan Defect Taxonomy to streamline 99 different codes into nine categories of loan defects
- Initiating a Ginnie Mae pilot program to give smaller lenders more access to the secondary market
The policy changes from Watt and Castro were anticipated from comments made last week, as HousingWire covered in a report from the Wall Street Journal. Stevens and other leaders also referenced the changes in their speeches this morning, challenging the regulators to ease the incredibly strict underwriting standards now required to originate a mortgage loan.
Following the announcement, Compass Point analysts said in a note to clients, "We view this development with cautious optimism as it reinforces our belief that policymakers are willing to embrace initiatives aimed at increasing the flow of mortgage credit." Compass Point listed the biggest winners of this kind of credit box expansion as originators, private mortgage insurers and home builders.


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|Louisville WR Scott Long injures foot
|Written by Admin
|Monday, 18 August 2008 13:30
Coach Steve Kragthorpe says Long will have surgery in the next couple of days, but there is no timetable for his return. Long was hurt during a non-contact drill.
Long, a junior, is one of the more experienced wide receivers on the roster. He caught 27 passes last season, averaging 13.3 yards per catch.


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This seems obvious, but it's often easier said than done. In too many institutions, account-screening processes yield cryptic yes/no decisions without any further explanations. Batch (Day 2) processing remains common. Assessing and responding to a business opportunity takes time. If someone's looking for a prepaid card for a trip they're taking tomorrow, or a small-dollar […]Read More
At the 2014 Education Summit and Expo of the Western Independent Bankers Association, we heard some spirited discussion about the future of branch banking. Clearly, branch banking is changing. Branch traffic is down. Fewer customers consider the branch their first-choice channel for interacting with their institution. Customers are performing more transactions, such as depositing checks […]Read More
Dragnet Solutions CEO Greg Cote has authored a guest column for the August 2014 edition of the Directors Digest newsletter for the Western Independent Bankers Association. Risks and Benefits of Pursuing the Underbanked Market With non-interest income flat for most institutions, and branch traffic in decline, many banks are searching for new markets. For many […]Read More
Dragnet Solutions Explainers are brief Web seminars that cover a topic in 10 minutes or less. Our Explainer on the Unbanked, Underbanked, and Debanked defines these terms and explains why they are important to financial institutions serving US households. Includes recent survey data from the FDIC and the Federal Reserve. WATCH THIS EXPLAINERRead More
Plenty of journalists write about the unbanked and underbanked markets, but how well do these writers really understand the hardships regularly confronting those households who are excluded from traditional banking and financial services? To help these journalists and others gain a better understanding of what daily life is like for many of the unbanked, the […]Read More
We're back from the CFSI/American Banker EMERGE Conference in Los Angeles. EMERGE is the new name for CFSI's Underbanked Conference, an event dedicated to exploring the needs of households who manage their finances outside of traditional institutions such as banks and credit unions. We saw evidence of lots of innovation at the conference. For example, […]Read More
Some of the brightest minds in banking will be discussing the unbanked and underbanked market at this week's EMERGE Conference in Los Angeles. To remind our readers of the potential of this market, we've compiled this infographic.Read More
Dragnet Solutions and its managed services provider Computer Services, Inc. (CSI) are aware of a critical vulnerability that has been identified within OpenSSL, called HeartBleed (CVE-2014-0160), which may allow unauthorized access to sensitive server data, including private encryption keys. Many Internet systems use OpenSSL to encrypt communications within applications. Dragnet Solutions and CSI have investigated […]Read More
Without launching new mobile apps or remodeling branches, institutions can take immediate steps to help grow profitable accounts while reducing losses from fraud and charge-offs. Here are 5 steps for making business more profitable and less risky. Run the numbers, and understand the subgroups in your customer base. You've probably analyzed your customer base, know […]Read More
Moving beyond Today's IT Security Silos Can financial institutions make authentication more convenient and flexible for customers without sacrificing the rigor of the IT security? This question came up repeatedly at the recent BAI Payments Connect Conference in Las Vegas. Today, most institutions enforce different and limited authentication requirements for each channel: branch, Web site […]Read More


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Have you ever tied a 30-year old SEC record and had no one even notice? Well, you must not be a kicker then, specifically, you're not Marshall Morgan.
The Georgia Bulldogs spent a lot of time honoring one of the greatest kickers of all time yesterday, Kevin Butler, but forgot to remember our current one.
Marshall Morgan made his 18th consecutive field goal yesterday, which tied him with former Tennessee kicker Fuad Reveiz from 1984 (the same year Butler kicked the 60-yarder against Clemson) for the longest streak without a missed field goal.
With Georgia's special teams being such a disappointment in recent years (although quite impressive in last night's 45-21 win over Clemson), having a kicker this good should be celebrated.
If Morgan makes his next field goal he will hold the SEC record for most consecutive field goals. Let's not under-appreciate our kickers Georgia fans. As former greats like Rex Robinson, Kevin Butler, and Billy Bennett have all shown us…kickers win games.
Congratulations Marshall and here is hoping for number 19 against South Carolina! Go Dawgs!


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About the ManufacturerFounded in 1985, La Crosse Technology is a multinational company that has led its business to thrive through a small-town emphasis on customer satisfaction. Their consumer electronics products include radio-controlled clocks and watches, wireless weather stations, power monitors, and other measuring devices. La Crosse Technology introduced radio-controlled clocks to the US market in 1991 and continues to be on the cutting edge of this technology across America. All of their weather instruments, clocks, and watches are calibrated daily to the atomic time standard of the National Institute of Standards and Technology. All instruments default to fahrenheit, inches, mph and all atomic time pieces are tuned to a 60 kHz, WWVB radio signal in Fort Collins Colorado.
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Multi-Generational House, 027H-0036
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Plan DescriptionSimple lines and country charm give this narrow lot house plan a welcoming curb appeal. The main living areas are arranged on the first floor offering a step-saver kitchen with snack bar, convenient laundry access and an open floor plan. Three bedrooms and a deluxe bath reside on the second floor providing peace and quiet for everyone. On the finished lower level, you will be pleased with separate living quarters that work well for a mother-in-law or college suite. This space provides a compact kitchen, full bath, living area and a bedroom. Comfortable and functional, this two-story country home plan has plenty to offer.
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THE Social Community Solution for Joomla!
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The Next Generation Community Builder 2.0.2 is here
and it's free to download.
Community Builder 2.0.2 is a maintenance release that fixes 12 identified issues (see discussion thread for detailed list) found since the Community Builder 2.0.1 release and 22 since the Community Builder 2.0 release.
We cannot emphasize enough the need for a carefully executed upgrade project for those upgrading from a CB 1.9.1 environment, so here it is once again:
These steps are recommended precautions that you should really take whenever you do any upgrades on your live sites.
Enjoy this free update and discuss this on our forums.
The Next Generation Community Builder 2.0.1 is here
and it's free to download.
Community Builder 2.0.1 is a maintenance release that fixes all issues (see discussion thread for detailed list) identified since the Community Builder 2.0 release.
I quick reminder for those that will be upgrading from a CB 1.9.1 environment:
Don't be alarmed by these steps as they are just precautions that you should really take whenever you do any upgrades on your live sites.
Enjoy this free update and discuss this on our forums.
The Next Generation Community Builder 2.0 is here
and it's free to download.
CB 2.0 is a major release and has hundreds of new features that cannot be listed in this release announcement but are summarized in the following benefits/features summary brief:
And all of this is built on the state of the art powerful XML MVC AhaWow engine technology that will help the development team roll-out even more fantastic new features.
We have also followed the Joomla example and now provide online free help pages for all our Community Builder administration pages. All you need to do is click on the Help button from any CB 2.0 backend page. We will be moving all our documentation to an online format and we are also in the process of updating our website also.
Yes, Community Builder 2.0 ia totally free but there is so much more you can do with our Advanced and Professional add-ons. We have been working to get all our add-ons CB 2.0 ready and have manage to complete this task with some exceptions. As we did not want to delay our announced release date we will be working as quickly as possible to fill in the gaps. Your are welcome to follow our add-ons compatibility releases progress and give your feedback.
One noteworthy fact that we are really proud about is that our free Community Builder 2.0 has been bundled with eleven (11) previously commercial add-ons!
We are working to get our CB Packager page updated to work with CB 2.0 dependencies. In the meantime we have created 2 mega packages in the Advanced and Download areas that each contain all CB 1.9.1 compatible add-ons just in case you need the latest CB 1.9.1 compatible add-ons in one bundle. The CB 1.9.1 compatble Advanced download bundle and the CB 1.9.1 Professional download bundle containing the latest CB 1.9.1 add-ons and the CB 1.9.1 compatible Quickstart PRO package is also available.
Yup, starting now we will be providing daily (or nightly) continuous integration releases of CB 2.0 to start with and of all our other add-ons as they get their FC status releases. This way paid members will not have to wait for minor bug fixes as they will be able to grab the latest CI release with latest fixes. Of course you need to do your own testing to make sure everything is ok as such CI releases are not following the normal release procedure.
Our Community Builder Transifex project has been updated with latest CB 2.0 language resources and our translation teams are working to get their language translations completed. We will be introducing a new language plugin area that will automatically create daily builds from individual transifex projects. So if you are interested in helping out this is your chance.
CB 1.9.1 and earlier releases have the Community menu on user profiles with copyright information. Its removal is authorized to all paid members. We are switching to a different concept. So as of CB 2.0 the Community Menu is gone and in its place there is a new Powered by Community Builder footer link on frontend CB pages. Paid members are once again authorized to turn this off by downloading and installing/publishing the new CB Footer plugin (Advanced download area)
We have also introduced a less expensive method for people that just want to remove the footer. You can purchase a CB Footer removal subscription to download and the CB Footer plugin for all your CB 2.X websites for the introductory price of 10 euro. Considering other similar practices this contribution is in-our-opinion very reasonable. But to make it even more attractive as a CB Footer removal subscriber you will automatically receive a 10 euro coupon for your next Joomlapolis membership, CBSubs, or Templates purchase. Learn more by reading the Community Builder Footer Removal article.
Joomla 3.3.6 and Joomla 2.5.27 have been released.
Both packages are high priority security releases. So, all Joomla 3.X websites should upgrade to Joomla 3.3.6 and all Joomla 2.5 series to Joomla 2.5.27.
According to the Joomla technical requirements, the Joomla 3.3.6 release will only work on PHP versions 5.3.10 or better. Here is a quick summary that will help you decide:
If your website is using
As usual backup before upgrading your Joomla websites and verify that all third party extensions (including your template) are compatible.
And yes, CB 1.9.1 and CB 2.0 RC3 (needs at least PHP 5.3.3 and MYSQL 5.1) both work great on these new Joomla releases !
If you had previously upgraded to one of the "short-lived" 2.5.26/3.2.6/3.3.5 releases in which an upgrader bug slipped in, you will notice that the one-click upgrade method will not work to upgrade to 2.5.27/3.2.7/3.3.6. Instead, you would need to use one of the alternative upgrade methods B or C.
Disclosed on September 24th, 2014, Shellshock, also known as Bashdoor, is a family of security bugs affecting the widely used Unix Bash shell. Simply put, this bug allows remote attackers to execute arbitrary code on hosting environments using unpatched Bash shells.
Security wise, this ia as bad as it gets and the potential harm that can be inflicted is enormous. Everyone needs to take action now to either patch their hosts as needed or make sure that their hosting environments are secure.
So, if you are in charge of maintaining a host that has a Unix Bash shell, you need to patch it now. Also make sure that you upgrade all your computers and network and any other embedded equipment that might contain bash. Also old ones, since that security bug is present and got unnoticed since 22 years.
Even though you might not be aware that you are using a Bash shell, your webserver environment might be using it to execute your Joomla PHP.
If you have a website that is being hosted somewhere, you need to contact the host helpdesk and confirm that your environment is secure against this bug.


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It's commonplace for a big record to be remixed. But ask DJ Khaled if his instant classic record "Hip Hop," featuring Nas, Scarface and DJ ...Read More
Scarface & Nas Bring "Hip-Hop" to Rock the Bells [Video]
Last night (September 3) Esco and Brad performed their Kiss The Ring collaboration for the first time at the final Rock The Bells stop at ...Read More
Lauryn Hill, Scarface Join Nas For Rock The Bells NYC Finale
Rain (drizzle), rain (sideways) and more rain (torrential) led to set delays and an early curtain call for the Paid Dues stage at Rock The ...Read More
Common Says DJ Khaled's Nas and Scarface's "Hip Hop" Collaboration Was "Necessary"
Almost two decades later, Common is still celebrated for his personification of hip-hop on "I Used to Love H.E.R.," off of the Chicago rapper's 1994 ...Read More
How Will DJ Khaled's Kiss the Ring Album Perform on The Charts? [Poll]
DJ Khaled and the term star-studded affair have been going hand-in-hand for several years now. Today (August 21), Khaled released his new album, Kiss the ...Read More
Five Best Love Letters to Hip-Hop
The Making of DJ Khaled's "Hip Hop" Featuring Nas, Scarface & DJ Premier
Khaled has the cameras rolling for this special cut off his King The Ring LP...Read More
XXcLusive: DJ Khaled Reveals Kiss The Ring Tracklist
A King reppin' Miami has lived up to the boast, "Not one, not two, not three, not four, not five..." Six and counting. The fact ...Read More
Scarface, "Remember Those Days" [Behind-the-Story of XXL's July/August Feature]
Pitching the Idea: Carl Chery: I picked the idea myself. Randomly, it always happens. I'm sitting at my desk and all of sudden I'm thinking ...Read More
- Best Hip-Hop Instagrams Of The Day
- Take A Look Back At When Tyga And Young Money Were Cool
- 11 Cases Of Rappers Wearing Glittery Outfits
- Jim Jones Started A Lot Of Brands
- 10 Rappers Born Outside The U.S.
- Rick Ross Loses More Weight
- 6 Rappers With Alter Egos
- T.I. Is Hip-Hop's Ultimate Beef Squasher
- A Timeline Of Snoop Dogg And Iggy Azalea's Beef
- 7 Rappers Dressed Like Hippies
- An Instagram Recap Of The 2014 BET Hip-Hop Awards
- Twitter Reacts To The 2014 BET Hip-Hop Awards
- 8 Rappers Repping A City They Are Not From
- 10 Times Kanye West Was Caught Not Smiling
- 9 Rappers With Great Teeth


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Welcome to Concord Elementary School!Principal: Mrs. Whitney RinellaAssistant Principal: Mr. Jason Wells
Phone: (434) -477-5595Fax: (434) -993-3509
Upcoming Events at C.E.S.
October 30: Spooky Science Night 6:00-7:30 p.m.November 4: Election Day- No SchoolNovember 17: PTA Meeting 7:00 p.m. November 18: Jersey Mike's Night
November 20: 2 Hour Early Dismissal- Interims Sent HomeNovember 24: Holiday PicturesNovember 26-28: Thanksgiving Break- No SchoolClick the picture below for Halloween safety tipsMorning Student Drop Off and Dismissal Time
**Information and helpful websites for SOLs. SOL Testing Information and Websites
Fall School PicturesNew this year, parents can prepay online by visiting the following website: http://www.yourschoolphotos.com/ 1. Click on the "storefront" tab link/button/2. Enter your school passcode: con2014 3. Fill out the form and place your order


text: All-Pro QB Rich Gannon to speak on faith, football, fighting adversity Virginia Lyons April 19, 2010 Rich GannonCSI (Catholic Students Incorporated) will host a presentation by Rich Gannon, former All-Pro National Football League quarterback and 2002 NFL Most Valuable Player. He will speak on his Catholic faith, football and fighting through adversity.The event will be held at 7:30 p.m. Tuesday, April 20, in Room 126 (auditorium), John R. Roach Center for the Liberal Arts. Everyone is welcome. Refreshments will be provided.RelatedPolitical Science Club hosts informational session/meet and greetTarget Representatives to Speak at AMA Meeting TodaySki and Snowboard Club Hosts Grill Out Tuesday, Meeting Thursday 'The Human Experience' nears sellout


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Kist Pink Lemonade is one of the few (if not the only) lemonades that we have ever seen that is carbonated. That wouldn't be so bad if it contained some real fruit juice. It doesn't and we really can't say that we enjoyed the flavor of this beverage one bit. It's just a sweet concoction that doesn't taste like real lemons.
Average User Rating
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Carbonated Soft Drink: RegularJuice: Lemonade,
Serving Size: 8 fl. oz.
Servings per Container: 2.5
Amount per serving:
Calories: 110
Total Fat: 0g
Sodium: 50mg
Protein: 0g
Total Carbohydrates: 28g
Sugars: 28g
carbonated water, high fructose corn syrup and/or sugar, citric acid, sodium citrate, sodium benzoate, and potassium sorbate (preservatives), modified food starch, glyceryl abietate, natural flavor, borminated vegetable oil, red 40
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High fructose corn ______ is the sweetener used in regular Pepsi cola.


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SCISYS to deliver further systems to the RNLI
SCISYS is pleased to announce that it has received a contract extension from the Royal National Lifeboat Institution (RNLI). SCISYS was originally contracted to supply the System and Information Management (SIMS)...more
SCISYS PLC Interim Results for the 6 months ended 30 June 2014
SCISYS is pleased to announce its Interim Results for the period ending 30 June 2014. Mike Love, Chairman of SCISYS, commenting on the results, said: "I am pleased to report this favourable set of results for the half...more
Atacama Field Trials 2014 - Autonomous Robotic Explorers for Future Exploration Missions
Imagine a new type of robotic explorer which can autonomously adapt to a changing environment in order to conserve energy and navigate more accurately, safely and reliably. This is the goal of Chameleon – a project funded by the...more
SCISYS is going to Mars!
SCISYS is pleased to announce that it has signed a contract with Airbus Defence and Space Ltd to deliver the rover vehicle visual localisation flight software ("VISLOC") for the European Space Agency's 2018 mission to...more
TechDemoSat-1 mission launched with Mission Planning Software provided by SCISYS
The TechDemoSat-1 mission is focussing on the trial of new space instruments and software. It will allow prototypes of innovative UK technology to be proved in space. The close cooperation between Surrey Satellite Technology...more


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Dominant pitching helps Lehigh sweep Holy Cross
Published On: Apr 21 2013 06:11:00 PM CDT
Becca Bliss and Emily Bausher combined for 24 strikeouts while allowing only three hits on Sunday, as Lehigh earned a pair of shutouts over Holy Cross at Kaufman Field.
Bliss struck out 11 and allowed just two hits in an 8-0 Lehigh shutout in game one.
Bausher struck out 13 and allowed just one hit in a 4-0 Lehigh shutout in game two.
Lehigh has now won 13 of its last 14 games, and improves to 13-3 in Patriot League play.
The Mountain Hawks will clinch homefield advantage in the Patriot League Tournament with another win.
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Wilson man dead after chase, police-involved shooting
Foul language may stop plans to rename ASD field for Andre Reed
Police: Deaths of 2 men inside car a murder-suicide
Tractor trailer accident stops traffic on Route 422
Police: Man provides false information about Eric Frein
Deadly shooting shatters quiet at Washington school
Thousands of dollars raised for man repeatedly mistaken for Eric Frein
Restaurant owners distraught over plans to condemn property
Family makes plea for help to save their puppy
Did Eric Frein drive away?


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Editor's pick
Jewish Driver: 'Escaped With My Life By a Miracle'
Arutz 7 Most Read Stories
Food Giant Osem to Build Large Ice Cream Factory in Arad
Inside Israel
Egypt Bans Group Pushing for Morsi's Reinstatement
Middle East
Kerry Calls 'Chickens**t' Slur 'Disgraceful and Damaging'
News from America
Daily Israel Report
Show More
Restoring Justice and Sanity on the Temple Mount
Douglas Altabef
Behind the Attempt to Assassinate Yehuda Glick
Dr. Mordechai Kedar
Nobody Likes A Snitch, Jeffrey Goldberg
Jack Engelhard
Netanyahu is no Coward, but Obama is a Liar
Mark Langfan
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The Conversion Law and the 'Decisor's Proposal'
Rabbi Baruch Efrati
A Candle for Chaya Zisel Hy"d
Dr. Zieva Dauber Konvisser
The Temple Institute on the Parsha: Lech Lecha
Rav C.Richman
5775: Giving Birth to Our Potential
Yonatan Gordon
Tanya Lesson: Likutei Amarim
Baal Hatanya
May God Bless the Kurds with a Land of Their Own
News Brief
3/27/2011, Adar Bet 21, 5771
Terrorists Try To Blow Up Egyptian-Israel Gas Pipeline
Six terrorists, reportedly Bedouin, tried to blow up the Egyptian-Israeli gas pipeline Sunday for the second time in two months. The timer failed to detonate the explosives, preventing a huge economic and political crisis.
Six terrorists overwhelmed a lone guard at the El-Sabil gas terminal, planted the bomb and fled.
Full Story


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You don't pay for tutoring
unless you find a good fit!
Gina C. passed a background check on 2/17/14. The check was ordered by another user through First Advantage. For more information, please review the background check information page.
After sending a message to Gina, you will be able to order a new background check for $7.99. As part of your tutor selection process, we encourage you to run updated background checks. Please also review the safety tips for hiring tutors.
My name is Gina and I grew up on the Gulf Coast, first in Florida, then in Mississippi. In 2000, I graduated with a BS in Special Education from the University of Southern Mississippi with minors in Child Development and Psychology. I have certification from the Georgia Professional Standards Commission (GPSC) in Special Education in all subjects for grades PreK-12 and in Early Childhood Education grades PreK-8.
I began teaching in 2001, working in the field of Early Intervention and Special/Deaf Education. Since then, I have worked with various age groups from birth to high school in MS, TN, and GA. I also have a wide range of experience with students in various special education settings from inclusion to resource/pull-out to self-contained, teaching various special needs such as deaf/hard-of-hearing, developmental delays, and the autism spectrum.
Having learned Sign Language in middle and high school with the help of three Deaf friends, I continued to take American Sign Language classes in college and stay connected with the Deaf Community. Recently, I decided to change my career focus to sign language interpreting and in May 2012, I graduated from the Sign Language Interpreting Program at Georgia Perimeter College. I am currently working as an educational sign language interpreter.
I truly enjoy working with students of all age and grade levels with various learning styles. I excel in teaching in small group settings or one-to-one, focusing on individual strengths and weaknesses.
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University of Southern Mississippi
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As 2011 marks the Sesquicentennial of the American Civil War, or the 150th year since its commencement, president of the Chesterfield Historical Society of Virginia (CHSV) Liess van der Linden-Brusse, observes the purpose of recognizing history.
The Virginia Department of Conservation and Recreation is accepting applications for young women and men ages 14-17 to serve the Commonwealth of Virginia this summer, a press release says.
Why is Charleston, S.C., called the "Holy City"? What was the "Mosquito Fleet"? Why is that dance called the "Charleston"? What connects Charleston and Minneapolis?
Goodman & Company, LLP, one of the region's largest certified public accounting firms, recently announced a promotion in its Chester office, according to information from the company.
James A. Jacobs, ChFC, CLU, of Chesterfield, was named the AXA Equitable Virginia Branch Associate of the Year for the 19th consecutive year.
Bank of McKenney recently welcomed Justin Ingram as vice president and commercial loan officer, according to information from the business.
Karan Prakash, MD, MS, FAAOS of the Southside Regional Medical Center (SRMC) Wound Healing Center in Petersburg, is board-certified in Undersea and Hyperbaric Medicine by the American Board of Preventive Medicine, according to information from SRMC.


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Hi to all from Orange Co. Ca
Hi to all from Orange Co. Ca
Welcome aboard, what kind
of riding do you like to do?
Hello Robert,
Welcome to Bike Forums.
[SIZE=1][B]What I like about Texas[/B]
Set F1re To The Ra1n ( NY Night Rain Ride)
Hi back from the bay area.
Let me never fall into the vulgar mistake of dreaming that I am persecuted whenever I am contradicted.
― Ralph Waldo Emerson, Emerson in His Journals
Welcome from Michigan
2007 - Giant OCR-2
2013 - Cannondale Quick SL-3