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HUD Approves First Time Homebuyers, Lenders Using Tax Credit as Down Payment
May 30, 2009 by Danilo Bogdanovic
Filed under Buyer Resources, Mortgage/Lending
Looks like I spoke too soon… HUD has approved first time home buyers and lenders (mortgagees) using the up-to-$8000 first time home buyer tax credit as a down payment, to pay closing costs and/or buy down the interest rate. The official HUD letter with guidelines was released yesterday. Here it is (if you can't see the document, click here)…
HUD Letter to Mortgagees: Instructions on how to use First Time Home Buyer Tax Credit –
The next step is for banks/lenders to come up with a system internally that will allow them to offer this to borrowers. This could take a few days to a several weeks. Check with your lender to see if/when they have a system in place for you to take advantage of this program.
P.S. This "use your tax credit as a down payment" program is set to expire this November. The up-to-$8000 first time home buyer tax credit as a whole is set to expire December 1, 2009.
Hat tip to Dulles Association of Realtors (DAAR) for breaking the story.
What's Up With the $8K Homebuyer Tax Credit Being "Monetized"?
May 29, 2009 by Danilo Bogdanovic
Filed under Buyer Resources, Mortgage/Lending
On May13, HUD Secretary Shaun Donovan said that the Federal Housing Administration (FHA) is going to permit its lenders to allow first time home buyers to use the $8000 tax credit as a down payment (aka "monetize" the tax credit).
The next day, May 14, the Office of Management & Budget told the FHA to hold off on implementing the program because it was only a "proposal" (aka "sike!").
Since then, consumers, agents, lenders and others have been waiting (impatiently) for a final and real answer to if/when the first time home buyer tax credit will be "monetized".
Well, here's the latest. According to an article in the Wall Street Journal,
"The FHA says that the rumors about the program's demise were flat-out wrong and that the program will be rolled out soon. Some industry analysts say that the memo may have been pulled because the program, which uses a tax credit established in February's stimulus package, needed an OK from the White House budget office."
If the program is approved, it would only be available through November of this year so time is a ticking…
I'll keep you posted as more becomes available.
Glossary Of Real Estate Terms
May 28, 2009 by Danilo Bogdanovic
Filed under Glossary of Real Estate Terms
"What do all these real estate terms mean?!", you ask. Well, here is a glossary of commonly used real estate terms compiled from a variety of sources. If you run across a term that's not on the list, just let me know and I'll add it.
AVM: An automated method of valuing real property. Currently very inaccurate. For examples of AVMs and how they work, click here.
Acceptance: The date when both parties, seller and buyer, have agreed to the terms of an offer and/or addendum. NOT to be confused with 'Ratification".
Adjustable Rate Mortgage (ARM): A mortgage that permits the lender to adjust the mortgage's interest rate periodically on the basis of changes in a specified index (i.e. Libor). Interest rates may move up or down as market conditions change.
Amortized Loan: A loan that is paid in equal installments during its' term.
A.P.R. (Annual Percentage Rate): A term used in the Truth In Lending Act. It represents the relationship of the total finance charge (interest, discount points, origination fees, loan broker, commission, etc.) to the amount of the loan.
Appraisal: And estimate and opinion of real estate value usually issued to standards of FHA, VA and FHMA. Recent comparable sales in the neighborhood is the most important factor in determining value. This should be contrasted to the Home Inspection.
Appraiser: An individual who is licensed to perform an appraisal. Not to be confused with an AVM.
Appreciation: An increase in the value of a property due to changes in market conditions or other causes. The opposite of depreciation.
Assumable Mortgage: Purchaser takes ownership to real estate encumbered by an existing mortgage and assumes responsibility as the guarantor for the unpaid balance of the mortgage. Not a common way of securing a property due to a common lenders' clause stating that a sale of the property requires immediate payment of remaining balance by the borrower.
Bank-Owned Property (aka "REO" or "foreclosure property"): A property that is owned by a bank typically via foreclosure proceedings and via auction at the local courthouse steps
Bill Of Sale: Document used to transfer title (ownership) of PERSONAL property.
Broker Price Opinion (BPO): An agent's/broker's opinion of a property's market value used by a bank when determining the market value of one (or more) of their foreclosure/bank-owned properties
Buyer's Agent/Broker: A real estate agent who represents only the buyer in a real estate transaction.
Closing Costs: A general term used to describe the fees associate with the purchase of property such as lender and settlement agent fees, title insurance, the appraisal and survey fees, etc. Closing cost are typically 2 to 5% of the loan amount, but vary by region.
Closing Statement (HUD-1): A financial statement rendered to the buyer and seller at the time of transfer of ownership that gives an account of all funds received or expended.
Cloud On Title: Any condition that affects the clear title to real property.
Common Grounds: Those grounds owned by the Home Owner's Association and/or by a small fraction by every home owner in the development.
Comparable Sales (Comps): Recent sales of similar properties typically within the same neighborhood used as a tool to establish market value or for appraisal purposes.
Condominium Association (Condo Association): The association which governs the condominium community usually comprised of owners within that community.
Contract: An agreement to do or not do a certain thing. In the case of real estate, when an offer for purchase and sale of property has been ratified and all contingencies have been removed.
Consideration: Anything of value to induce another to enter into a contract (i.e. money, services, a promise).
Contingency: A condition specified in a purchase contract, such as a satisfactory Home Inspection.
Counter Offer/Counter: An offer by a seller back to a buyer's original offer with a different price and/or terms than the original offer made by the buyer.
Credit Score: Your credit report contains a history of how you've paid your bills, how much open credit you have, and anything else that would affect your creditworthiness. Your credit score boils down all of that information into a three-digit number. Scores vary from 300 to 900. Though there are several scoring systems, the one used most commonly used by lenders is known as a FICO (Fair Isaac and Company).
Deed: Written instrument, which when properly executed and delivered, convey title to real property.
Depreciation: A decrease in the value of a property due to changes in market conditions or other causes. The opposite of appreciation.
Direct Lender: A lender who approves and supplies funds for their loans directly from the bank or financial institution which they are a part of. They do not receive final approval or funding from a third party (i.e. another bank).
Discount Points: A loan fee charged by a lender to increase the yield on the investment (aka lower the interest rate to the consumer). One point equals one percent of the loan amount.
Dual Agency: A practice by which an agent represents both the seller and the buyer in a real estate transaction. Neither the seller's nor the buyers' best interests can be put before the others. The agent is merely a facilitator of the transaction.
Earnest Money Deposit: A deposit or promissory note from the buyer held in escrow by an agreed upon party which illustrates the buyer's commitment to purchase a property. In the event of default by the buyer(s), the earnest money deposit may be withheld by the seller as damages.
Easement: The right to use the land of another (i.e. utility company easement on your lot in order for them to run cable underground).
Encumbrance: Anything that burdens or limits the fee title to property, such as a lien, easement or restriction of any kind,
Equity: The value of real estate over and above liens against it. It is obtained by subtracting the total liens from the value of the property.
Escrow Payment: That portion of a mortgagor's monthly payment held in trust by the lender to pay for taxes, hazard insurance, mortgage insurance, lease payments and other items as they become due.
Fannie Mae: Nickname for the Federal National Mortgage Corporation (FNMA), a tax-paying corporation created by Congress to support the secondary mortgages insured by FHA or guaranteed by VA, as well as conventional home mortgages.
Federal Housing Administration (FHA): An agency of the U.S. Department of Housing and Urban Development (HUD). Its' main activity is the insuring of residential mortgage loans made by private lenders. The FHA sets standards for construction and underwriting, but does not lend money or plan or construct housing.
FHA Insured Mortgage: A mortgage insured by the Federal Housing Administration according to its' regulations.
Fixed Rate Mortgage: A loan that has a set interest rate at a prescribed rate for the entire duration of the loan.
Foreclosure: Procedure whereby property pledges as security for a debt and is sold in the event of a default. If you don't pay the mortgage, the bank takes the property back via foreclosure.
Freddie Mac: Nickname for the Federal Home Loan Mortgage Corporation (FHLMC), a federally controlled and operated corporation to support the secondary mortgage market. It purchases and sells residential conventional home mortgages.
Graduate Payment Mortgage: Any loan where the borrower pays a portion of the interest due each month during the first few years of the loan. The payment increases gradually during the first few years to the amount necessary to fully amortize the loan during its' life. NOT to be confused with an Adjustable Rate Mortgage (ARM).
Grantor's Tax: A tax in Virginia paid by the seller at the time the property is sold (typically settlement date). The current tax rate is $1 per $1000 of the sales price or assessed value, whichever is higher.
Hazard Insurance: This provision of homeowners insurance covers damage by fire, wind or other disaster. It is required by all lenders before a loan is approved.
Home Inspection: An thorough inspection of a property by a qualified third party who is typically hired by the purchaser(s).
Home Owner's Association (HOA): The association which governs the community of homes usually comprised of owners within that community.
Home Owner's Insurance: The general term for insurance on real property.
Improvement: In real estate, typically refers to any permanent structures on the property. Also refers to changes to the overall property which affect value.
Investor: The holder of a mortgage of the permanent lender for whom the mortgage banker services the loan. Any person or institution that invest in mortgages. Also known as an individual or institution that purchases one or more properties for investment purposes, not as a primary residence.
Lease Option: A contract which gives one the right to least property at a certain sum with the option to purchase at a future date.
Lease Purchase Agreement: An agreement to the future purchase of a property with the right to lease the property for the interim.
Lender: An bank or financial institution which lends money.
Lender Letter: A letter from the lender stating that a buyer is approved for specified financing contingent upon a ratified contract, satisfactory appraisal, underwriting approval and/or other conditions. Unlike a pre-approval letter, the lender will have processed all the necessary paperwork and ran a credit check making a lender letter much stronger than a pre-approval letter.
Listing Agent/Broker: – An agent/broker who represents only the seller(s) in the sale or rental of real estate
Loan To Value (LTV): The ratio of the mortgage loan principal (amount borrowed) to the property's appraised value (i.e. An appraised value of $100K and a mortgage loan principal of $80K equals an LTV of 80%).
Mechanic's Lien: A lien filed by an individual or company that has made an improvement on the property, but has not been compensated to their satisfaction (i.e. payment dispute). Also known as Contractors Liens and Construction Liens.
Mortgage: A legal document that pledges a property to the lender as security for payment of a debt.
Mortgage Broker: A company that does not make final approval or fund the loan directly rather, sells the loan to a third party bank or lending institution. In essence, they are a "middle-man".
Mortgagor: The borrower of money of the giver of the mortgage document.
Note: A written promise to pay a certain amount of money.
Offer/Purchase Offer: An offer of price and terms by a buyer to purchase property from a seller. The seller may accept, reject or counter the offer with a different price and/or terms.
Origination Fee: A fee paid to the mortgagee (i.e. lender) for paying the mortgage before it becomes due. Also known as a prepayment penalty or reinvestment fee.
Paid-Out-Of-Closing (POC) Items: Any item paid for prior to or outside of settlement. Such items may included a Home Inspction, Radon Inspection and Appraisal.
Personal Property: Property other than the real property (i.e. furniture, TV, computer, appliances). Often called movable property which can be moved from one location to another.
Pre-Approval Letter: A letter from a lender that a buyer is potentially approved for specified financing, but an application nor paperwork has been submitted nor has anything been verified by the lender. Much weaker than a lender letter and may get rejected by a seller as an approval for financing.
Private Mortgage Insurance (PMI)/Mortgage Insurance Premium (MIP): The amount paid by a mortgagor (borrower) for mortgage insurance. This insurance protects the investor from possible loss in the event of a borrower's default on a loan. It is typically charged is the Loan To Value (LTV) is higher than 80%.
Promissory Note: A written contract containing a promise to pay a definite amount of money at a definite future time.
Radon Inspection: A determination of whether the amount of radon gas is below, at or above the EPA's acceptable level (currently at 4.0 ppl).
Ratification Date: The date of final acceptance in writing of all the terms of the Offer and delivery to all parties as agreed upon in the Offer.
Real Estate Agent: An individual who has a state license to represent a buyer or a seller in a real estate transaction in exchange for a commission. Most agents work for real estate brokers.
Real Estate Broker: A party who acts as an intermediary between sellers and buyers of real estate and attempts to find sellers who wish to sell and buyers who wish to buy. Also the name for an individual who has a state license to supervise one or more real estate agents working out of the same office as the broker.
Real Property: A legal term encompassing real estate and ownership interests in real estate (immovable property). It is a type of property differentiated from personal property.
Realtor: A member of the National Association Of Realtors (NAR). The NAR has many local chapters such as NVAR and DAAR.
Rent With Option: A contract which gives one the right to least property at a certain sum with the option to purchase at a future date.
Second Mortgage/Second Trust/Junior Mortgage/Junior Lien: An additional loan imposed on a property with a first (primary) mortgage. Generally, a higher interest rate and shorter term than a first mortgage. An alternative to obtaining financing above an 80% Loan To Value (LTV) and paying a Mortgage Insurance Premium (MIP or PMI).
Settlement: the process of exchanging the consideration (i.e. real estate) for financial instruments (i.e. money) once a deal has been executed.
Settlement Agent: An individual or company which perform settlement duties for the purpose of sale and purchase of real property.
Short-Sale: A situation in which the proceeds from the sale of the property are less than what is owed to the lender(s)/creditor(s). If the seller can not come up with the difference, the lender(s) may be asked to forgive the difference or take a Promissory Note in lieu of immediate payment in which case the lender(s) must "approve the short-sale" in order for it to actually settle. Short-sale negotiations take an average of 90 days and there's no guarantee that the creditor(s) will approve the short-sale.
Survey: The process by which a parcel of land is measured and its' area ascertained.
Tax Assessment: The value set on taxable property.
Tax Assessor: An official who evaluates property for the purpose of taxing it.
Tenants In Common: Ownership by two or more persons who hold an undivided interest without the right of survivorship. In the event of a death of one owner, his/her share will pass to his/her heirs, NOT the other owner(s).
Tenants By The Entirety: Only possible when the joint owners are husband and wife. Tenants by the entirety provides for a common law right of survivorship. The property goes automatically to the surviving spouse. No Will, probate or other legal action is necessary. One spouse can not use a Will to leave an interest to someone else.
Title Company: A general term for a company which performs settlement duties for the purpose of sale and purchase of real property.
Title Insurance: An insurance policy which protects the insured (purchaser or lender) against a loss arising from defects in the title. Lender's Title Insurance is mandatory for almost every lender while Owner's Title Insurance is optional, but recommended.
Sources: Inmanwiki, Wikipedia, Merriam-Webster
Dislcaimer: These definitions may vary by jurisdiction, region, state and country. I am not a lawyer. These definitions are not intended to be legal definitions nor legal advice. Please double-check all information contained herein.
The Home Buying Timeline
May 26, 2009 by Danilo Bogdanovic
Filed under Buyer Resources
So you're thinking about buying a home, but you're not quite sure what all it involves. Well, here's a "Home Buying Timeline" that outlines the various steps to buying a home…
1) Get Pre-Approved – This step involves contacting a lender to find out what types of financing options are available to you and what amount you qualify for in order to purchase a home. The lender should discuss with you different loan programs and how these loan programs fit your needs. Be sure to tell the lender and your Realtor if you qualify for a VA or FHA loan. You will then receive a letter that states the amount of a loan you qualify for (aka "approval letter" or "lender letter"). Important: This letter does not guarantee you a loan and is why you always include a financing contingency in your offer (more on this later). Also important: Make sure you work with a direct lender, not a mortgage broker.
2) Find a Realtor – It is best to get your own representation when buying a house. Be sure to discuss agency with your Realtor. Be sure that the person who is showing you homes is a Realtor, not just a licensed salesperson; yes, there is a difference. Make sure that you are confident that the Realtor you have picked is working in your best interest. Interview several Realtors that specialize in the area(s) you're looking in and don't hire someone as your Realtor just because they're a friend or family member - this is business and involves hundreds of thousands of your dollars so make a good business decision. Tell your Realtor what you are looking for and get them to provide you with active listings that fit your specific needs. This can help narrow down your search and weed-out any homes that you are not interested in.
3) Look at Houses! – You may want to prepare a "Want List" prior to looking at homes. List things that you do want and things that you don't want. Having said that, keep an open mind. Many Buyers end up purchasing a home that has many of their original "Don't Wants." The more information you give your Realtor, the better they will be able to sift through all the "noise" and narrow down the playing field to the homes that best suit your specific needs.
4) Prepare an Offer – in our area, the purchase agreement addresses issues that may arise when purchasing a home. These issues include financing, home inspections, appraisal, default, earnest money deposits and settlement. It is very important that you understand these terms and their significance. Once a contract is ratified (all parties agreeing, in writing, to the terms listed in the contract) the contract is legally binding. This agreement must be in writing to be enforceable. Be sure you understand what you are signing. Keep in mind that your Realtor is not an Attorney; they can not offer you advice or interpret the contract.
5) Contingencies – Basically, contingencies protect you in case you cannot perform or choose not to perform on a promise to buy a home. If you cancel a contract without having built-in conditions and contingencies, you could find yourself forfeiting your earnest money deposit and potentially facing liquidated damages. Common contingencies are Home Inspections, Radon Inspections, the Sale of the Purchaser's Home, Appraisal Contingency and Full Loan Approval (aka Financing Contingency). These items are included in your purchase agreement, but are not addressed until after ratification. These items can help you discover more information about the home and you can use that information in helping you make your decision to go through with the purchase. These contingencies do not mean that the Seller has to renegotiate the sales price if you are unhappy with information you have received. They do mean that the Buyer and Seller can come to terms on how the information should be addressed. If the Buyer and Seller can not come to terms in the allotted amount of time, the contract can be voided. Sometimes the Seller may elect to offer money to the Buyer in lieu of fixing a problem discovered during a contingency period. Be careful with this, not all lenders allow a Buyer to receive money from a Seller over a certain amount. If the Seller has already agreed to give you closing cost assistance, you may not be able to accept any more money from the Seller. Lowering the price of the home may not be a good solution either. It is best for all parties to get the Seller to fix the problems before Closing.
6) "AS-IS" Contracts – So, you've decided to write on an "AS-IS" house. This means you are either getting a really good deal from a Seller, you are writing on a house that has an "estate" as a Seller, or you are writing on a Short-Sale or Foreclosure/Bank-Owned property. All of these types of contracts are a little different from a regular sales contract. The main difference is the "Seller" has no obligation to fix any items that need repair in the house. This includes the treatment and repair of termite damage. There are safeguards that can still get you out of an "AS-IS" contract, but you and your Realtor need to write them into the original offer. Most of the time you can still do a home inspection on an "AS-IS" home, but the home inspection will be for informational purposes only. It is extremely important that you thoroughly understand the Short-Sale and Foreclosure process. Ask questions and make sure you are comfortable with the risks.
7) Offer is Ratified – Congratulations, you have a Ratified Contract on a house! – Again, Ratification is when all parties have come to an agreement to the terms of a purchase contract, the agreement and associated paperwork has been signed by all parties and all paperwork has been delivered to both the seller and the buyer.
Formal Application to Lender – A Buyer has 7 days from the date of ratification to make formal application to the lender. This means that the first thing you should do after the contract has been ratified is contact your lender and provide them with a copy of the ratified contract.
9) Home Inspection/ Radon Inspection/Lead Based Paint Inspection – These are a few of the Contingencies discussed while writing the Offer to Purchase. Each of these Contingencies has a time deadline that the Buyer set while writing the Offer to Purchase. It is very important that you adhere to this timeline. If you neglect to give the Seller the Addendums regarding these Contingencies, you could be forfeiting your right to void the Sales Contract based on the findings. It is best to order these inspections and tests as soon as the contract in ratified. If you don't know of any contractors/companies that do these types of inspections/tests, ask friends who have bought a home before or ask your Realtor for a list of Home Inspectors, Radon Inspectors and other vendors. Be sure you choose someone who is reputable, licensed, bonded and insured. (P.S. This is not the time/place to try to save a buck - it's extremely important that you hire the best inspectors/contractors you can for these inspections/tests)
10) Appraisal – This is a professional estimate of the current market value of a home. The lender will call out an Appraiser after you make formal application for a loan. The Appraiser works for the Lender, not the Buyer and not the Seller. Typically, the Buyer pays for the appraisal. You need to ask your lender for a copy of the appraisal. However, they may not give it to you until after closing. If the appraisal comes in low, there are several options for the Buyer all of which are listed in the Contract. The Seller may choose to lower the sales price to the appraised value; but if you have asked for closing cost assistance, you may lose that assistance. The Buyer can choose to come up with the extra money to buy the house if the Seller does not want to lower the sales price. The Buyer and Seller could come up with a suitable sales price. Or the Buyer can void the contract.
11) Home Owner's Insurance – Home Owner's Insurance (aka Hazard Insurance or Property Insurance) is mandatory as part of your financing. Call around and get rates for Home Owner's Insurance. You need to give your lender this information in advance of the settlement date so do this as soon as possible. Home Owner's Insurance has become difficult to obtain in some cases. You may want to get your Realtor to ask the Seller who they have as an insurer.
12) Loan Approval – The lender will send a letter, when requested, that states that all conditions of the loan have been met and that the loan is ready to close. Essentially this means that you can buy the house! Your Realtor needs to get a copy of this letter to the Listing Agent within the specified amount of time (part of your Financing Contingency), which you determined when you wrote the Offer to Purchase. This letter may not be ready until the day of closing, or it could be ready weeks in advance. It is important to stay in contact with your lender and ask questions!
13) Termite Inspection – Many lenders require a termite inspection in order to approve a loan. Who pays for this inspection is addressed in the purchase agreement. If the home is being sold "AS-IS," the Purchaser typically pays for the termite inspection and the Seller may not be responsible for treating a termite infestation. Talk to your Realtor about "AS-IS" houses. The termite inspection must be performed within 30 days of settlement. This means that it is usually not ordered until 2 weeks before closing, just in case closing is delayed. I always recommend that the Buyer pay for their own termite inspection to insure that a reputable pest company is employed. The Seller is still responsible for the cost of treatment and repairs if termites are found, unless it is an "As-Is" contract.
14) Settlement – You will choose a settlement date at the time you write your Offer to Purchase. It is very important that you actually close on the loan on this date. If the Buyer is unable to purchase the home on this date, the Buyer can be found in default and the Seller may be able to keep the Buyer's earnest money deposit and/or sue for liquidated damages. If the settlement date needs to be changed for any reason, get it in writing and have all parties sign off on it! The Buyer needs to bring an ID with photo, down payment, and closing costs to the Settlement table. All funds from the Buyer must be certified – no personal checks are allowed, no exceptions. You can also wire the money to the Settlement Company. You may not find out how much money you need to bring until the day of closing, so leave enough time during that day to get certified funds. And remember – don't be late to your closing!
Congratulations! You made it through the process and you now own a home! There will be bumps in the road during this process. The best advice I can give is to ask questions. The only stupid question is one that goes unasked. Your Realtor should help you avoid some of these bumps and should also help you deal with them once they occur.
If you're wondering how long the process takes from start to finish, check out this article over at Loudoun Foreclosures entitled, "The Type of Property You Can Buy May Depend On the Time You Have"
BBQ Rules
May 23, 2009 by Danilo Bogdanovic
Filed under Humor
It's Memorial Day weekend. That means that we have officially entered BBQ season. Therefore it is important to refresh your memory on the etiquette of this sublime outdoor cooking activity . When a man volunteers to do the BBQ the following chain of events are put into motion:
(1) The woman buys the food.
(2) The woman makes the salad, prepares the vegetables, and makes dessert.
(3) The woman prepares the meat for cooking, places it on a tray along with the necessary cooking utensils and sauces, and takes it to the man who is lounging beside the grill – beer in hand.
(4) The woman remains outside the compulsory three meter exclusion zone where the exuberance of testosterone and other manly bonding activities can take place without the interference of the woman.
Here comes the important part:
More routine…
(6) The woman goes inside to organize the plates and cutlery.
(7) The woman comes out to tell the man that the meat is looking great. He thanks her and asks if she will bring another beer while he flips the meat
Important again:
More routine…
(9) The woman prepares the plates, salad, bread, utensils, napkins, sauces, and brings them to the table.
(10) After eating, the woman clears the table and does the dishes.
And most important of all:
(11) Everyone PRAISES the MAN and THANKS HIM for his cooking efforts.
(12) The man asks the woman how she enjoyed ' her night off ', and, upon seeing her annoyed reaction, concludes that there's just no pleasing some women.
***Hat tip to Jeanette for sending this my way.
Brambleton Sizzlin' Summer Concert Series Around the Corner
May 21, 2009 by Danilo Bogdanovic
Filed under Fun/Leisure
Brambleton's Sizzlin' Summer Concert series is right around the corner… The concerts will take place at the Brambleton Town Center Plaza in front of Fox Cinemas on various Thursday nights throughout the summer.
Here's the line up:
July 2 – Jah Works (reggage) I've seen Jah Works several times and they're great. They play all over the DC metro area including the eastern shore during the summer months and have a huge following.
July 16 – Doug Segree (rock/modern rock)
July 30 – Crowded Streets (Dave Matthew tribute band) I've seen them once before and it's hard to believe you're not listening to the real Dave Matthews band
August 13 – The Reflex (80′s cover band)
August 27 – Junk Food (alternative rock cover band)
The concerts are fun and a great way to spend a Thursday night. And don't worry…they're not too crazy so it's safe to bring the entire family (or not if you want to do a date night).
1st Annual Dulles Home Fair Offers Free Classes for Consumers
May 20, 2009 by Danilo Bogdanovic
Filed under Buyer Resources, Homeowners, Seller Resources
The 1st Annual Dulles Home Fair, presented by the Dulles Area Association of Realtors, will offer free classes to consumers on a variety of real estate related topics. Some of the topics being taught/discussed are:
- Keeping Score: How to Monitor and Fix Your Credit
- Homeownership 101: How to Buy a Home
- County Housing Opportunity Programs
- The Legal Pitfalls of Foreclosures
- Staging your Home for Resale
- The State of the Housing Market
- Finding and Working With a REALTOR®
The classes are free as part the Dulles Home Fair Consumer Day on Saturday, June 13, 2009. Doors open at 9:00am and the event goes until 4:00pm. The Dulles Home Fair is being held at the Embassy Suites Hotel Dulles North, 44610 Waxpool Road, Dulles, VA 20147.
UPDATE: Click here for the schedule of free classes on Consumer Day at the 1st Annual Dulles Home Fair
5 Things Not To Do Before Buying a Home
May 19, 2009 by Danilo Bogdanovic
Filed under Buyer Resources
There's a great article over at The Consumerist on 5 things you should avoid doing before buying a home. It's a definite "must read" for all those considering buying a home.
Here's an excerpt:
1) Don't apply for new credit – When you apply for new credit, the creditor will do a "hard" inquiry (aka pull your credit). An inquiry will lower your credit score by as much as 5 points. The offer you just got in the mail or sitting in your inbox may be great, but it will cost you in the long run.
2) Don't increase your debt – Taking on new debt will affect your debt-to-income ratio as well as your credit score. This translates into a higher interest rate.
3) Don't accept any "same as cash" offers – "Same as cash" is basically a short-term or new loan as far credit scoring companies are concerned and will hurt your credit. Even if you save some money short-term (the "0% for 6 months" deal), you'll pay a higher interest rate because your credit score is lower.
And I'd like to add a number 6…
6) Don't forget to check with your loan officer first - Don't restructure current debt, sell your car or move around large amounts of money between accounts, your spouse, family members, etc., without consulting your loan officer first. You'd be surprised at the impact something that you consider "logical" or "small" may have.
How New Appraisal Guidelines Will Affect You
May 18, 2009 by Danilo Bogdanovic
Filed under Buyer Resources, Mortgage/Lending
The way appraisals are done and handled is changing dramatically thanks to the new Home Valuation Code of Conduct (HVCC). Rhonda Porter wrote a good post explaining the changes over at Rain City Guide. Here's an excerpt:
In a nutshell, mortgage originators (if paid commission) will no longer have contact with appraisers for conventional mortgages. Appraisals will be ordered via an appraisal management company–oddly similar to what Washington Mutual used before New York Attorney General Cuomo investigated. Although this is effective for loans delivered to Fannie/Freddie on May 1, 2009 or later, lenders will adopt the Code well in advance in order to be able to deliver compliant loans.
The good and the bad of the new appraisal guidelines…
- Appraisers and lenders have distance put between them creating less opportunities for lenders to push appraisers to "hit the number" (aka inflate the appraisal price to meet overvalued sales prices).***
- This will create decreased risk for lenders which will help keep interest rates lower (in theory)
***Fannie Mae amended their guidelines in January of this year allowing appraisal management companies to be owned by lenders. (?!)
- There's a lot of them – just read Kenneth Harvey's article in the Washington Post, "New Appraisal Rules Comes With Costs"
- Though many of the changes will directly and immediately affect appraisers and lenders, things will trickle down and may start negatively affecting consumers as well.
An End to Real Estate Brokerage "Junk Fees"?!
May 16, 2009 by Danilo Bogdanovic
Filed under News, Shameless Self-Promotion
Are you sick of having to pay a brokerage firm an extra $149 to $395 "admin fee" (aka "junk fee") on top of the thousands of dollars in commission you're already paying them? Do you think it's a bit unfair?
Well, those "junk fees" may soon be illegal.
In a decision late last month in a class-action lawsuit, U.S. District Judge Virginia Emerson Hopkins in Birmingham, Ala., ruled that when a real estate firm charges clients an "admin fee", for which no specific settlement services are performed, the fee violates federal law.
The case involved RealtySouth, one of the 20 major brokerage units of Minneapolis-based HomeServices of America, the second-largest realty firm in the country. RealtySouth was sued by home buyer Vicki V. Busby of Jefferson, Ala., when she was required to pay a $149 "ABC" fee — an administrative brokerage commission. The court found no evidence that the brokerage company performed any services beyond those covered by the commission, thereby violating a federal real estate settlement statutory ban against "unearned" fees.
Some brokerage firms say that the need this money to survive. For the sake of this post, let's say I agree with that… The brokerage firm can charge their agents that "junk" fee, but why pass it along to the consumer? I understand if the agent is upset about having to pay that fee, but they shouldn't take it out on consumers by passing the cost along to them – it's not the consumer's problem nor fault.
Warning. Shameless self-promotion coming…
I'm proud to say that the brokerage firm I'm a part of, Market Advantage Real Estate, LLC, doesn't charge any such "junk fees". And even if they did, I wouldn't pass that cost along to my clients. I'm earning thousands of dollars in commission and don't believe it's fair for me to charge my clients any "junk fees" on top of that.
Source: Washington Post - Photo Credit


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Drying Oil recently introduced with similar features to poppy seed oil. It does not yellow and dries quickly. It helps to soften and make more fluid oil colors. Particularly suitable for white and light colors.
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Seattle-area groups band together to get drinking water to typhoon-ravaged Philippineson November 13, 2013 @ 6:28 pm (Updated: 11:23 am - 11/14/13 )
A tractor-trailer full of bottled water could soon be on the way from the Seattle-area to the typhoon-ravaged Philippines thanks to the efforts of a number of generous Northwest volunteers and companies.
"One of the things we heard they need most over there is clean drinking water and anything we can do to help folks is really what we're about," says Eric Walter with Band of Brothers Northwest.
The Kirkland men's group helps people in need, from cancer patients to domestic violence victims. And when the typhoon hit, it wasn't long before they sprung into action with the help of Seattle television personality and entrepreneur Jenni Hogan.
"Folks instantly thought of us and reached out and said 'Hey are you guys doing anything around this typhoon in the Philippines? And if so, what can we do to help?'"
Bartell Drugs, Homestreet Bank and others are backing the effort fill a 48-foot trailer Friday with clean drinking water.
People can either buy and donate water or make a monetary donation.
"For every $40 that is donated, six cases of water will be sent to the Philippines," he says.
Bartell Drugs will be selling water Friday at the Crossroads location at 653 156th Ave NE in Bellevue for a discounted price of $2.99 per case, and volunteers will be on hand to collect water and donations in hopes of filling the truck by 6 p.m.
While it's been difficult for even relief agencies to get emergency supplies into the devastated parts of the Philippines, Auburn-based Knight Transport is arranging to ship the entire trailer via airlift.
"Our goal is to get the water on the ground as soon as possible," Walter says.
Josh Kerns is an award winning reporter/anchor and host of KIRO Radio's Seattle Sounds (Sunday afternoons 5-6p) and a digital content producer for MyNorthwest.com.
Turnaround Underway
The state's first charter school is on probation, but the director promises improvements
Police Hackathon
The Seattle Police Department is holding its first-ever hackathon with 35 tech experts
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text:
Rosen: Buy Ka's Album (and Meet Him) in the West Village Tomorrow
He'll be at the corner of Sixth Avenue and 8th Street.
Skip to content, or skip to search.
Skip to content, or skip to search.
He'll be at the corner of Sixth Avenue and 8th Street.
JT's new song makes the year 1979 sound boring.
The best way to listen to this half-assed record is to half-listen.
In an age when R&B has forsaken innuendo for straight-up porno, K-Ci & JoJo's entreaties have a quaintly chivalrous ring.
You might call it the greatest gay song. Or maybe it's just the Great American Song.
The lead single, "In a World Like This," is out now, and guess what? It's awfully good.
The Rock and Roll Hall of Famer died yesterday in Memphis at 83.
It's the dorkiest thing Jay-Z has ever been associated with.
The release of Kanye West's Yeezus sucked all the air out of the musical universe this week. Yet pop music went on.
With Kanye, it's always more is more. More politics, more ego, more outrage. More croissants.
A decade ago, who'd have guessed that three dorked-out comedians could command a guest list worthy of a Jay-Z record?
He's incapable of writing a lyric that means anything, in the Queen's English or Gandalf's Elvish or any other tongue.
Willy Moon, the singer-songwriter who plays the Gramercy Theatre tonight, made me suspicious from the first.
Learn his likes, dislikes, and history, and listen to his Spotify playlist, which includes one great song from each of the last 100 years.
The Miley Cyrus single is one of the most crudely effective songs of the year — although to call it a song seems generous.
Even without much TLC, there is no shortage of TLCism in current music.
Our music critic on what's bouncing around his head this week.
On their sophomore album, the British trio face an audience that's built up a tolerance for their sound.
Our music critic reviews Deacon's America and Dear's Beams.


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This transfered ttylinux system is a RAM disk system. Its file system is a gzipped image on the boot drive; its directories and files are very inaccessible. When the system is running, changes made to files are not retained for the next boot. Customizing or configuring this system to your needs takes some specific support.
A ttylinux system properly transfered, such as by using the /sbin/ttylinux-flash script, has a special boot-time startup feature: when ttylinux boots it attempts to mount the USB/flash drive that is boots from and run a script on that drive. Since the script is in a boot drive directory, and not burried away in a compressed file system, it can be changed and maintained by you. You can change this script to perform ttylinux configuration for ttylinux to do when it boots.
The feature of mounting the booted drive and running a startup script on that drive provides the user with a persistent boot-time startup configuration that is retained from one boot to the next. This user-maintainable startup script on the boot drive is in the config/ttylinux directory; a default version of this script is put onto the boot drive when the /sbin/ttylinux-flash script is run. This startup script is a very convenient place to configure your particular network interface upon ttylinux startup.


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For more information about International Connections Academy feel free to contact us by phone, email, or mail. Admissions Advisors are available from 9:00 a.m. to 6:00 p.m. ET. You may leave a message after hours and we will return your call the next business day.
Toll free: 877-804-6222 Enrollment Document Fax: 866-682-7284 (for enrollment documents only) Email: firstname.lastname@example.com Transcript Request: For more information about requesting a transcript, please visit our transcript request page. Connexus® Support: You may call 888-440-2899 or email if you require Connexus support. If you are directed to do so by a Support Representative, visit our interactive support interface.
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5th Floor
Baltimore, MD 21202 View Map
View current career opportunities and apply online.
Enrollment for the 2014-15 school year is now open!
International Connections Academy follows a traditional school calendar. For more information, contact us at 877-804-6222.
Key Dates to Remember
9/3/14 - First Day of Fall Semester
12/22/14 - 1/2/2015 - Winter Break- No School in Session
1/28/15 - End of Fall Semester
1/30/15 - First Day of Spring Semester
6/15/15 - End of Spring Semester
Summer School Rolling Start Dates: June 2, 9, 16, 23, and 30; July 7
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To start your enrollment process, you can call us at 877-804-6222, Monday through Friday, 9am to 6pm (Eastern) or enroll online:
Full-time Students 2014-15 Academic Year: Please call 877-804-6222 or get started with our streamlined online application process.
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Several outlets, including the Atlanta Journal-Constitution and HBCUGameday.com are reporting the arrest of several Morehouse College athletes accused of rape, kidnapping and aggravated sodomy.
Preliminary details of the case show that Malcom Jamal Frank, Chukwudi Ndudikwa and Lucien Kidd were arrested between April 11 and April 15 for allegations of rape. Tevin Mgbo, Frank and Ndudikwa are also charged with aggravated sodomy and reckless conduct.
Information on the arrests or the suspects is not available on Georgia Department of Corrections website. Stay tuned for updates throughout the day.
**UPDATE** Here is the latest update from CBSAtlanta.com:
"According to the incident report for Frank and Ndudikwa, on March 8, the two had non-consensual sex with a woman who was under the influence of an unknown substance.
Ndudikwa and Frank were arrested on rape and aggravated sodomy charges and Mgbo was charged with aggravated sodomy, kidnapping and reckless conduct."
Morehouse today issued a statement this afternoon on the arrests:
In March, there were two alleged assault incidents involving Morehouse students. After the information was brought to the attention of campus police, the suspects were identified and arrested. While we cannot speak to specifics of these cases, our policies and procedures call for disciplinary actions against students who violate our code of conduct and the law, up to and including dismissal from the College. Morehouse has a zero tolerance policy related to violence of any kind. Violence is the very antithesis of the Morehouse ethos and the values of a Morehouse Man. Morehouse College police are working with the Fulton County District Attorney's Office and will continue to do so until these cases are resolved.


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Private Medical Clinic
A private medical clinicCrea-MeD is a private general medical clinic that does not participate in the Public Health Insurance Plan provided through the Régie de l'assurance-maladie du Québec.
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The maximum number of products that can be compared is 4. Please refine your selection.
Linda Litter Shovel Blue (Online Only)
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Linda Litter Shovel Blue (Online Only)
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Make yourself at home in Baker City, Oregon. Hotels here are good, but Eldorado Inn is the place to stay. Whether you are visiting Baker City on business, vacation, or just passing through; we strive to deliver quality hotel service and accommodations at an affordable price. Located just off of Interstate 84, Eldorado Inn hotel is easy to find, and easy to access unlike other Baker City, Oregon hotels. Once here, take a relaxing swim in our indoor pool. We also offer a free continental breakfast to help you start your day.
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Teaching medical students is an important task for the Department of Neuroscience. Our staff teaches subjects such as stroke/geriatrics; neurology/clinical neurophysiology; otolaryngology (head and neck surgery)/oral surgery; eye; adult psychiatry; orthopaedics; rheumatology, neurosurgery/physical medicine; health informatics; and fundamental laboratory subjects.
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Within further education, the Department offers an experience-based master programme in health informatics as well as the individual courses "Referral to specialist for manual therapists" and "Research course in psychiatry".
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I'm Baaaaack!
Back to blogging, back home from a WONDERFUL vacation! It was very hard to leave Florida after 12 glorious days spent with my family. I am SUCH a homebody and usually a week out of my comfort zone is stretching it for me, but this time I was actually counting how many MORE days I had in the Sunshine state. Braeden and I enjoyed a couple warm days of relaxation before my sister came in from Canada bringing the cooler weather with her. It just so happened that we spent the 3 coldest days at a resort on the beach. We didn't actually get to enjoy the beach, but we enjoyed each other's company much more than any beach could provide. We spent a day shopping (not me though, I didn't break my lent- my sister was so sweet and bought me a few things and Braeden LOTS-belated Birthday presents). We spent another day at a Detroit Tigers (a family favorite team- that is until I married Mike and was peer-pressured into becoming a traitor and bumping the Phiilies up to #1 spot) spring training game.
We headed back to The Villages on Tuesday and warm weather, Mike and Mikey joined us. The rest of the week was spent lounging by the pool, getting a tan (my sister and I both got pretty dark), eating great food either cooked or treated to by my parents (thanks), roasting marshmallows in my Dad's fire-pit, Braeden mastering riding his bike WITHOUT training wheels, Mikey proving to us that he DOES love the water even more than we thought, has no fear, and is a natural at the whole swimming thing, riding in the golf cart (another favorite of Mikey's-he would hop up on it all by himself) and most important, enjoying time together as a family. A family that the more I spend time with as an adult, the more I realize just how much I love and adore and just how loved I am! My sister and I weren't that close growing up. The almost 5 year age difference was enough to create tension between two sisters. We were/are very different in a lot of ways yet very similar in a lot of ways, AND have lived apart for 15 years (since 1994 when we moved to the US and my sister stayed behind to begin pursuing her Canadian law degree- and is now a very successful, well liked attorney). Because of the distance and conflicting school/work schedules, we are only able to see each other about once a year (I think between the last visit and last weeks, was the longest). The more I see her, the closer we get and the more I realize how much I miss not having my big sister near me daily. The amount of love and attention and adoration she showed Braeden last week melted my heart (he slept with her, rode with her, swam with her, sat next to her, the entire trip). She loves Mikey just as much, but he is at a stage of not allowing anyone but Mama and Daddy (and Mike's Mom since she is his caregiver while we work) near him. Oh how I love her and am so thankful for our friendship that keeps getting stronger and stronger.
OK, enough sappy stuff (we couldn't even say goodbye because we get too sad). The week concluded with an AMAZING day spent at a Phillies/Tigers game in Clearwater, FL. It was sunny, 85 degrees and truly one of the best days I've ever spent with my husband and kids. It was actually my Mom's Birthday too and sadly she wasn't able to join us because she had t0 show a house. To see many of our favorite baseball players that we watched on TV win the World Series a few months ago, was incredible! The game was SOLD OUT and the fans were great. It was almost hard to believe it was just a spring training game. Mikey did great too, once he discovered his own little space on the isle/stairs next to our seats. SO MUCH FUN!
So yes, as sad as it is, we are all back to reality this week FULL SWING. We are moving on Thursday and that in-itself is so much work. We are only moving a mile away, which actually makes it harder because there is not much that can be done before the actual moving day. We have not sold our house, but found perfect renters who agreed to a 2-year lease. We decided to take the house off the market, hoping 2 years will make a positive difference in the current state of the economy. We are downsizing too, but going on pure faith that it is very temporary. The whole reason for the move was in hopes that Mike's potential new job will pan out SOON! PRAY PRAY PRAY! Its not so bad really, the apartments are brand new and gorgeous. They have a pool and hot tub that resembles a resort, a great fitness center and even a free tanning bed. With the discovery of Mikey's addiction to water, its a good thing we have access to a pool this summer. And then there is the recent talk of a possible family trip (to include my parents, sister, brother and brother-in-law) this Christmas to HAWAII that keeps my spirits up after the sad goodbyes-that we didn't say
OH, I have to include a picture of my Dad…..This is what happens when an Empty-Nester has his 2 daughters, son-in-law and 2 grandsons visit at the same time!
One Response to 'I'm Baaaaack!'
What a great time! Seems like it was the perfect trip. I'm jealous of the resort time and roasting marshmallows.
Looks like the boys had blast. You look FABULOUS by the way.


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Peace Dove by Cigal
HMS Dreadnought
Britain as an island nation felt itself justified in maintaining a large naval fleet. In its thinking, it accepted Germany's need as a land-based country to support a large army. However, when Germany began to increase its naval forces, Britain took on the challenge. Enormous amounts of money were spent to build new warships. Britain's first modern battleship, the Dreadnought, took to the seas in 1906. Germany wasted no time in building a similar battleship and the race to control the seas began. With the naval race in full acceleration, tension between the two superpowers increased.
While the First World War might bring to the forefront images of raging trench fighting and battle encounters, the war was also fought on oceans, seas, and rivers. Countries, including the United States, recruited men specifically for their naval fleets. The illustrations shown on the next page are a few of many campaign posters created for the U.S. Navy. If you find yourself interested in learning more about the marine portion of the First World War, you may want to research and prepare a report on any of the topics listed here:
The three posters above were commissioned by the U.S. Navy to get recruits. The first two were issued during the war, and the third just after the war. Political posters can also be called propaganda posters. Propaganda falls into many different types. Some, but not all of them are: appeal to authority, bandwagon, euphemism, fear, glittering generalities, logical fallacies, name-calling, obtain disapproval, plain folks, rewards, scapegoating, stereotyping, testimonial, transfer, and use of "virtue" words. Take time to see if you can define each of these types of propaganda before you complete the activities below. Use the three poster examples above to answer the questions below.


text: Uh-oh.The stork is coming to Bridget Moynahan's house, which is great, but there's just one teensy weensy problem -- the baby's daddy is her ex-boyfriend, Tom Brady. The Six Degrees actress, whose publicist says is "happy and healthy", is three months along with the New England Patriot's bun. Brady has recently been linked to ubermodel Gisele Bundchen, since his breakup with Moynahan last December. The couple dated for two years.I'm thinking it's curtains for Tom and Gisele. Here's hoping Brady comes to his senses and reunites with Bridget now. She's so much classier than that skanky Giselle.


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Join Starlight Children's Foundation Social Networks
You'll want to know about your options. Listen to college students living with Crohn's (this link takes you to the IBD U website).
Spread the word on Starlight's Facebook page!
Share your IBD experiences to encourage and empower someone else. Submit your story here.
Hello world my name is Evan and I live in Sacramento California. I am 12 years old. On Monday 10/3 I was diagnosed with Crohn's. Before I was diagnosed I planned on playing football for the Jr. Eagles but during the time my joints were killing me so I made the decision to not play. I was so upset to not play because I love playing football, but now that I know what is wrong, I can fight it off. I have just started prednisone and hope it makes me feel much better.


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Maverick Ahanmisi sets school record with 41 points.
Facing the No. 1 seeded girls soccer team in the CIF Southern Section Division II playoffs didn't faze Saugus yesterday. Ysabel Padron scored the lone goal in 1-0 win over Flintridge Sacred Heart moving Saugus into the quarterfinals.
It wasn't such a happy ending for the Canyon girls. They lost to Corona del Mar, 1-0, in the Division II playoffs.
In the boys basketball playoffs, Maverick Ahanmisi set a Golden Valley school record with 41 points in a 75-72 win over Foothill in Division III-A.
But the Grizzlies were the only winners on a busy night of basketball playoffs.
Hart lost to Canyon of Anaheim, 70-47, in their Division III-AA game, Valencia lost to Leuzinger, 88-66, in Division II-AA, and West Ranch lost to Glendora, 68-51, in Division II-AA.
Valencia, the last remaining girls basketball team from the Foothill League in the Division II-AA playoffs, faces top-seeded Brea Olinda tonight.
In boys soccer, Saugus and Canyon have tough second-round playoff games in Division II-AA today. Saugus hosts Coachella Valley, the champions from the Desert Valley League, and Canyon travels to Bloomington, the third-place team from the Sunkist League.
In college softball, the College of the Canyons trounced Pierce College, 10-2.
In college basketball, The Master's College women stunned 18th ranked Biola, 65-50, behind 21 points from Annie Gillespie. The Master's College men lost to Biola, 63-51.


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Last year it was all about the Matte Black helmets made famous by Duke lacrosse. So what will be the next big thing in 2012? How about a White Out helmet? White on white, simple and pretty. Can your team pull this look off?
Tag Archives | Bowdoin
Wesleyan – Bowdoin Lacrosse Photos: The Mother Load
I've got great pictures from the recent Wesleyan – Bowdoin Lacrosse game. Wesleyan won 7-6 on the road. Snow banks on the sidelines? Only in Brunswick, ME. Brr. Get these guys some heat gear.
Connor Wilson's D3 Lacrosse Report: The Second Coming
Connor Wilson is back with another comprehensive DIII report. He's got lots of polls, lots of questions, some photos and video. All to get you caught up with the D3 lax world. Have a different opinion on things (most do!)? Then share it in the comments!!!!
2011 Pre-Season NCAA Division 3 Lacrosse Rankings
Connor Wilson shares his pre-season NCAA Division III lacrosse rankings from the Laxpower Forum Poll.
Wilson's Wheelhouse: BIG Weekend Edition
Connor Wilson is back talking about big time games in the Ivy League, NESCAC, Empire 8 and Liberty. He also breaks down the Hop-Loyola game and the Nova-Gtown match. It's the laxiest time of the year!
Swanklax's Take On DIII Lacrosse
Swanklax is back with more DIII NCAA Lax knowledge. He breaks down the teams that are on the edge but still have a shot at the NCAA tourney and has a short but awesome interview with Paul Cantabene, the head coach at Stevenson University.
Crystal Ball Challenge: Week 4
The Crystal Ball Challenge continues with picks for select games of the week. Plus a deeper look at why Craven, Wilson, and Brunelle picked their winners. Play along and see if you're smarter than our esteemed panel of experts and all around geniuses.
5 Things I Know I Don't Know
Swanklax steps up to the plate and hits one out of the park in his debut post on LAS. If it's worth talking about and it's D3 lax, Swank will hit it. It's right there in his wheelhouse.
Patriot Cup To Host Oregon vs. Michigan
News release: Oregon will take on Michigan in the 2010 Patriot Cup in Dallas with proceeds going to the Wounded Warrior Project. Also at the event will be multiple top NCAA Division 3 programs.


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text: Traveling is great -- nay, amazing. And travel that requires a passport can be even more fulfilling for those willing to open their minds to new cultures (and, perhaps, deal with entirely too much security screening). But here's the thing -- travel is a lot better, generally speaking, with an inte


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Gift & Ticket
Yukari plays koto for Awaya-Kai – DVD available soon!!!
Our lead singer and guitarist Yukari Fujiu played koto, the 13-string Japanese harp, for 18th Awaya-Kai Koto Concert at the James Armstrong Theatre in Los Angeles on Nov 3, 2013. Koto sounds utterly different from her edgy guitars, and she told us, "I'm a rock musician, but I listen to any genre of music. Ultimately, there are only two types of music: good music and bad music. And it's always exciting to share a stage with other great artists."
The theatre was filled to capacity, and it was the golden opportunity to appreciate Yukari's Japanese traditional music performance. Opened with the stunning Mozart-like concerto (which was absolutely unexpected), she played a mean koto and enchanted the audience. "Although I couldn't see the audience's faces because it was dark, I did feel them enthused and totally engaged into the music," she portrayed her state of mind on stage, "That's one of the sexiest moments in my life." At the closing of the show, Yukari performed in the Japanese classical orchestra including shamisen, shakuhachi, and taiko percussions. She said, "It's the biggest koto concert series in LA and I was so honored to play for them. And what deeply amazed me was Awaya-sensei's creativity to produce those innovative shows. And the audience was bloody awesome! I said we would rock you and I hope we did!" The concert's DVD will be released soon. (To order in advance, click here!)
18th Awaya-Kai Koto Concert at James Armstrong Theatre
DVD available soon. Click here to order in advance!


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I spent a few months on food stamps this year. As a single woman in San Diego, I qualified for $70 a month — less than a dollar per meal. But I'm lucky and I'm unusual because many of my friends are farmers and gardeners and I know how to forage wild foods. Determined to …
Tag Archive: jam
Sep 28 2013
Bossing the poor around:How about a bill banning soda sales at the House of Representatives' cafeterias?
Business/Financial, Featured, Healthy Family
September 28, 2013
Tags: afford, afford to eat well, ban, beans, beer, bread, brooklym food pantry, buying with food stamps, cactus, candy, candy bars, cheap, cheaper, cigarettes, coke, cook, dictat, eat, eat well, farmer's market, farmers, food, food stamps, forage, Fruit, garden, gardening, government, government food stamps, government help, grow, health, healthy, healthy diet, help, House of Representatives, hungry, hypocrisy, jam, Jill Richardson, kids, knowledge, Maggie Dickinson, Maggie Dickinson phd, meal, meals, Michael Bloomberg, milk, New York, New York City, New York Mayor Michael Bloomberg, nutrition, nutritionally, Oatmeal, on sale, Phil Roe, poor, poor people, processed foods, rep Phil Roe, representative Phil Roe, sale, San Diego, sauerkraut, seafood, serving size, soda, stamps, sugar drink, sugary drinks, Tennessee, Tennessee Republican, uncle sam, vitamins, wegetables, what to eat, yogurt
Permanent link to this article: http://www.easttexasreview.com/bossing-the-poor-aroundhow-about-a-bill-banning-soda-sales-at-the-house-of-representatives-cafeterias/
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FETCH! With Ruff Ruffman
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Famous Smoke Shop Premium Cigars at Discount Prices! Order Toll Free: 1-800-564-2486 Contact Us
Cuesta Rey Centenario Pyramid #9 Reviews [view details]Give us YOUR review!
Showing 1 through 5 of 5 reviews
"One of my best cigars!"
Well I really think this cigar is under rated, it is an excellent cigar and has top quality in the construction and burn, the consistency is outstanding!Hernan Welsh in Monterrey, Mexico April 2, 2009
"Nice looking"
Nice looking, excellent construction...but, I'm sorry to say, even cheap machine-made Cubans (Quintero, La Flor de Cano,)are more flavorful and aromatic.....Christian in Resita (RO) June 20, 2006
"Great Smoke"
This is one of my favorites. It is cheap in price but rich in flavor. If you are into stronger cigars that are complex Cuesta Rey is a must have in the humidor.Uppercut in Mid-West January 11, 2006
Great smoke. Bought one on advice of local smoke shop owner and I had to call and thank him. Burned a little unevenly, but otherwise an excellent smoke. Very smooth, beautiful ash. Only ashed twice and first because had reached the ring! I will order these today.G. Jones in Brandon,MS December 28, 2003
Tried the pyramid on advise of a friend. A nice looking and smoking thing with a fair burn,nice smooth full draw and just a little tange to it but pretty much 1 dimensional. Also tried the #60 but the same thing. At $6.90 a stick there are a lot better cigars to be had.WAYNE in Tampa May 24, 2001


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Harry and David Pretzel Rods
Information current as of 12 PM October 28, 2009
3918 entries in list
Peanut Containing Product Recall (Salmonella Typhimurium Outbreak): Main Page
Note: This list includes human and pet food subject to recall in the United States since January 2009 related to peanut products distributed by Peanut Corporation of America. This list will be updated as new information is received. The information is current as of the date indicated. Once included, all human and pet food recalls will remain listed. If we learn that any information is not accurate, we will revise the list as soon as possible. When available, this database also includes photos of recalled human and pet food products that have been voluntarily submitted by recalling firms to the FDA to assist the public in identifying those products that are subject to recall.
Category: Candy
Brand Name: Harry and David
Product Description: Pretzel Rods
Recalling Firm: Harry and David
Size: 4 chocolate coated pretzel rod products dipped in chocolate and have the following toppings: two with red, green and white candy toppings, one with green striping and one with red striping; in a clear acetate 9 oz. box with red paperboard ends and a red ribbon
Lot Numbers: Best used by 1/31/08 and 1/31/09
Stock Numbers: 919098
Product Code: 7 80994 66995 6


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Extraordinary Santa Fe Style!
For a home away from home, term lease or rent-to-buy, we've got a great selection for you. We can also assist you in your property investments and serve you with reliable rental management.
Our personal touch will show you why Valdez & Associates, and our affiliate family of businesses, are the right choice for quality and service in Northern New Mexico.


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"The First Amendment was intended to secure something more than an exercise in futility."--Justice John Paul Stevens, dissenting in Minnesota Board for Community Colleges v. Knight (1984)[1]
Superb article. The absolute worst comedy movie in modern times has to be "Grandma's Boy," a film in which every joke revolves around laughing at the socially-awkward and disenfranchised. It's the exact opposite of a movie like "Revenge of the Nerds." - Chris
Sounds like Paul Joseph Watson has made the leap to Ancap! There is simply no denying the logical consistency!
"All governments are run by liars."—Independent journalist I.F. "Izzy" Stone
Especially relevant if you read the entirety of the Salem News article above this one.
"To be governed is to be watched over, inspected, spied on, directed, legislated at, regulated, docketed, indoctrinated, preached at, controlled, assessed, weighed, censored, ordered about, by men who have neither the right, nor the knowledge, nor the virtue."


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I wanted to share an interesting NY Times piece about Somali pirates who hijacked a Ukrainian freighter and are asking for a multi-million dollar ransom to release the ship and its crew. It's odd to think that piracy still exists in this day and age, but people are driven to commit crime for all sorts of reasons: greed, lust, insanity, necessity and so forth.
The twist here? The pirates claim that they were driven to piracy because of illegal tuna fishing. Since Somalia has essentially been without a government since the early '90s, there was no one patrolling the shore. Enter the pirates. Somali diplomat Mohamed Osman Aden is quoted as saying, "It's true that the pirates started to defend the fishing business...and illegal fishing is a real problem for us."
By no means are the pirates justified because of Somalia's struggle with illegal fishing off its coast, but this article demonstrates how precious the sea's protein is -- in the absence of a legitimate coast patrol, criminals took it upon themselves to protect the plundered resource.
In 2002, Oceana board member and renowned fisheries scientistDr. Daniel Pauly presented a grim picture for the state of northwest African marine fisheries at an international symposium in Senegal. The image above is from his presentation and displays the inverse relationship between biomass and fishing activity off the African coast between 1950 and 1999. Although Somalia sits on the opposite shoreline, the graphic demonstrates the extent to which African fisheries are being overfished.
(If you want more pirates, check out the actual Q &A with one of the pirates -- he's amusingly blunt.)
[Graph: Dr. Daniel Pauly]


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MGM Resorts Elects Tech Industry Leader Gregory Spierkel To Its Board Of Directors
LAS VEGAS, April 10, 2013 /PRNewswire/ -- MGM Resorts International (NYSE: MGM) today announced that Gregory "Greg" Spierkel has accepted an invitation to join the Company's Board of Directors. He was elected to his new post by the Board during its meeting on Tuesday.
Mr. Spierkel served for seven years as the Chief Executive Officer of Ingram Micro Inc. (NYSE:IM), a leading global technology distributor. He retired last year from the Fortune 100 Company, which distributes and markets technology products from companies including Apple and Microsoft.
"For 25 years, Greg has successfully managed complex, large-scale operations throughout the world," said Jim Murren, MGM Resorts' Chairman of the Board and Chief Executive Officer. "He brings to the board a unique blend of leadership, expertise in technology and communications, and experience in Asia."
Mr. Spierkel led the Company's $500 million acquisition of Tech Pacific and significantly strengthened its presence in Asia. He also led the transformation of the European region into a best-in-class performer, delivering sales and operating margins at historic highs.Before joining Ingram Micro in 1997, Mr. Spierkel spent 11 years at Canada-based Mitel Corp., a multinational manufacturer of PBX, software and semiconductor products. He also worked in market research for Nortel Inc. and in sales and product development for Bell Canada. Mr. Spierkel, who is 56, serves as a board member for PACCAR Inc., a truck manufacturer and technology company. A Canadian by birth, Mr. Spierkel earned a bachelor's degree at Carleton University in Ontario, Canada, and an MBA at Georgetown University in Washington, D.C. His election to the Board is subject to required approvals or waivers from gaming regulators.
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Turkish Airlines Flights from Sofia (SOF) Airport, Bulgaria
Sofia Airport, also known as Vrazhdebna ( SOF ) is a beautiful airport located almost 10 kilometres east of Sophia. Besides running modern buses and super trains, the Sofia Airport has provision for international standard car rental facilities. Individual car parking facilities include both short and long term parking outside the terminal building. The SOF Airport also facilitates services like banks, bureau de change, ATMs, restaurants, cafeterias and bars, duty-free shopping, a chemist, travel agency, tourist information desk and first aid facilities. There is also a business lounge with internet access, and a luggage-wrapping machine at departures.
Turkish Airlines is the national airline of Turkey, having its base in Istanbul. The airline is operating a big network of scheduled services to 155 destinations, including 32 domestic cities and 123 global cities. Turkish Airlines has its main base at Ataturk International Airport (IST) in Istanbul, and secondary hubs at Esenboga International Airport (ESB, Ankara) and Sabiha Gokcen International Airport (SAW, Istanbul). The airline is an official member of Star Alliance and also has codeshare agreements with a number of international airlines. History - Turkish Airlines was established on 20th May, 1933, as the State Airlines Administration � Devlet Hava Yollan (DHY). In August 1933, the airline started operations with an inaugural flight from Istanbul to Ankara. In September 1937, DHY received three De Havilland D.H. 86B biplane airliners. The following December, the airline received the fourth aircraft and expanded the domestic routes to Istanbul, Ankara, Adana, Diyarbakir, Eskis
The Travel Advisory for Bulgaria is not available currently.
Find complete and latest information about Turkish Airlines flights departures/arrivals, web check-in, taxi services and operation from Sofia (SOF) airport,Bulgaria . Book air travel tickets from / to SOF Sofia Bulgaria for Turkish Airlines at MakeMyTrip.com.
The republic of Bulgaria or Bulgaria is a country situated in the Balkans. Located on the western side of the Black Sea, Bulgaria boasts of serene beaches, well-laid out parks, impressive architectural buildings and numerous hangout zones. Sofia, the capital city of Bulgaria is a popular tourist destination and covered in all Bulgaria packages. Along with Varna city, some Bulgaria tour packages include famous cities like Plovdiv, Burgas and Rousse. While planning Bulgaria tour from India, you can choose from a range of international holiday packages. You can get best deals on Bulgaria holiday packages from India at MakeMyTrip India and enjoy cheap holidays in Bulgaria.
Get complete information about Turkish Airlines flights from SOF Sofia airport, Bulgaria at MakeMyTrip. Know about Turkish Airlines address, phone numbers, flight departure / arrival details for SOF Bulgaria.


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The Four Seasons Hotel is host to the 15th Annual Southwest
Bankruptcy Conference, September 6 –8, 2007. The program of 10.5
CLE credit hours (including 1.5 hours of ethics) features a faculty of
outstanding scholars, judges and practitioners from across the United
States. Timely topics—all updated with the latest legislative
What past participants have said:
"ABI simply is the best. The premier bankruptcy
professional's organization."
"I think you outdid yourself this year...the topics were great
and I felt enthusiasm among all of us.... "


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District of Ohio Torts - Property Cases
Other Fraud Cases, Dockets and Filings
Cases filed
Cases 1 - 10 of 433
Tobacco 4 Less, LLC et al v. Yisha et al
as 1:2014cv02603
Defendant: Kristin Smeznick , Kimberly L. Yisha , Richard James Yisha and others
Plaintiff: Richard D. Sallade , Tobacco 4 Less, LLC
Cause Of Action: Diversity-Fraud
Lykins Oil Company v. Hoskins Oil Company, LLC et al
as 1:2014cv00832
Plaintiff: Lykins Oil Company
Defendant: Hoskins Oil Company, LLC, Legacy Transport, LLC, Jeff Hoskins
Cause Of Action: Diversity-Fraud
National Credit Union Administration Board v. Struna et al
as 1:2014cv02199
Defendant: J.W.S. Cement Contractors, Inc., Vilija Struna, John W. Struna and others
Plaintiff: National Credit Union Administration Board
Cause Of Action: Fed. Question
Yaeger v. Stuck et al
as 5:2014cv02176
Defendant: Signal Lake Management, LLC , Mark Anthony Owenby , Barton W. Stuck and others
Plaintiff: Hal Yaeger
Cause Of Action: Diversity-(Citizenship)
Gill v. Wells Fargo Bank, N.A.
as 1:2014cv02095
Defendant: Wells Fargo Bank, N.A.
Plaintiff: Jasvinder Gill
Cause Of Action: Fed. Question
Bowman v. Hamilton County Department of Jobs and Family Services et al
as 1:2014cv00702
Defendant: Ohio Office of Social Security, Hamilton County Department of Jobs and Family Services
Plaintiff: Vivian Janet Bowman
Cause Of Action: Fed. Question: Personal Injury
HMI Industries Inc. v. Hergesheimer
as 1:2014cv01957
Defendant: August Hergesheimer
Plaintiff: HMI Industries Inc.
Cause Of Action: Diversity-Tort/Non-Motor Vehicle
Peters et al v. SunTrust Banks, Inc. et al
as 1:2014cv00633
Defendant: SunTrust Bank , SunTrust Banks, Inc. , SunTrust Mortgage, Inc.
Plaintiff: Jenny Peters , Brian Peters
Cause Of Action: Petition for Removal- Fraud
Ali-Bey v. Tomaszewski et al
as 1:2014cv01683
Defendant: K. J. Montgomery, Steven Tomaszewski, Ivan G. Haggins
Plaintiff: Maurice Elo'him Ali-Bey
Cause Of Action: Federal Tort Claims Act
Jensen v. Runser & Putman, LLC et al
as 3:2014cv01650
Defendant: Charles Allan Runser , Runser & Putman, LLC , Shaun A. Putman and others
Plaintiff: Mary Ann Jensen
Cause Of Action: Diversity-Fraud