text:
Search all 000 No PMC Apartments For Rent in Boise, Idaho
Boise, ID 83706
Park View Rental Condominiums
- Utilities Paid-water, sewer, trash & cable
- 2 & 3 bedroom condominium homes from 1140-1725 SF
- W/D Included, Spacious Closets, 300 SF Veranda,
- Resort Style Heated Swimming Pool
- Panoramic Views Ann Morrison Park and Downtown
- Parking Garage, Elevator Access to all Floors
Spacious 2 and 3 bedroom quality homes for lease with resort style amenities. Park View is a beautiful active adult 55+ community. With spectacular 180-degree views from your private 250-300 sq. ft. veranda overlooking Ann Morrison Park, downtown Boise and the beautiful foothills, comes the peace of mind, ideal location and lifestyle at the perfect place to live. Utilities, basic cable, W/D, underground reserved garage parking, fitness center, pool and club house/business center included.
Boise, ID 83702
River Walk Apartments
- Free Satellite TV with HD, Full Size W/D,
- Beautiful Views on the Boise River,
- Private Balconies, High Speed Internet .
- Walking and Biking Trails, Indoor Parking Garage,
- Close to Parks and Recreation, Elevator all levels
- Easy access to Freeway or Downtown
River Walk Apartments offers studio, 1 and 2 bedroom apartment homes for rent at affordable prices in beautiful Boise, Idaho. These modern styled apartments are set amid nature's beauty and offer views of the Boise River, Downtown city lights and the mountains from large windows & private balconies. Full Size Washer / Dryer included. Call to schedule a personal tour today!
Boise, ID 83705
Parkwood Apartments
- 2 Bedroom Apartments Starting at $625
- Very large and spacious - Over 1000 sq. ft.
- Conveniently Close to Shopping, theaters, Freeway
- Central A/C, Extra Storage, W/D Included!
- Swimming Pool, Private Patios and Decks
- Mature Landscaping, Reserved Covered Parking
Parkwood Apartments in Boise, Idaho with 2 Bedroom Apartments for rent that are very large and spacious... over 1000 sq. ft. Starting at only $625. Our community is centrally located close to shopping, theaters and the Freeway and the Bus line. Give us a call and let us show you why you will want to call Parkwood home!
Boise, ID 83706
River Quarry Apartments
- Professionally Managed & Maintained
- SPACIOUS 1, 2 & 3 Bedroom Apts.
- Three Level Townhomes
- FULL SIZE Washer & Dryer
- LOTS of Cabinet & Closet Space
- LARGE Windows to ENJOY the VIEWS
- Fireplaces & Built In Desks Available
- Garages and Covered Carports
- AMENITIES: Pool, Hot Tub, Fitness Room
- FREE DVD, Cruiser Bikes & Book Library
- Boise River & Greenbelt Access
River Quarry in southeast Boise, Idaho has beautiful one, two or three bedroom apartments or townhomes available for rent to meet your needs and exceed your expectations. Amenities include a community pool, hot tub and fitness facility. Direct access to the Boise River and greenbelt is an added bonus. Conveniently located just minutes from downtown, YOU can enjoy all Boise has to offer. Cats and Small Dogs Allowed.
Boise, ID 83704
The Seasons Apartments
- 1, 2 and 3 bedroom units available
- Gas Fireplaces
- Full sized washer and dryer included
- Major kitchen appliances
- Large storage unit on patio/balcony
- Pool, Indoor Jacuzzi, Free Wi-Fi
- Spacious walk-in closets
- Covered parking / Garages available
- Fitness Center & Basketball Court
- Close to the mall, shopping & dining
- Beautiful quiet park atmosphere
- Easy access to the Interstate I84
The Seasons Apartments offer 1, 2 and 3 bedroom apartment homes for rent in beautiful Boise, ID. Each home has full sized washers and dryers. Our Community Center includes an Indoor Jacuzzi, Free Wi-Fi, Seasonal Pool, Fitness Center and Basketball Court! Water, Sewer and Trash are included with rent. We only offer 6-12 month lease terms.
Boise, ID 83704
Rosecroft Condos
- New 2 & 3 Bedroom Condos for rent
- Washer/Dryer included, Granite countertops,
- Refrigerator, Stove/Oven, Microwave, Dishwasher,
- Water, Sewer and Landscaping Maintenance included!
- Volleyball court, Playground area and Walkways,
- Professionally managed
Welcome home to Rosecroft Condos featuring 2 & 3 bedroom condos for rent in beautiful Boise, ID. All units have granite countertops in kitchen, appliances including refrigerator, stove/oven, microwave, dishwasher and washer/dryer and lots of storage. Deposit for each unit is same as rent amount. Convenient West Boise location near shopping, dining and theaters at The Village in Meridian.
Boise, ID 83713
Keeneland Park
- 2 and 3 Bedroom Townhomes
- No one living above or below you!
- Fireplace, Washer and Dryer In Unit
- Cats Welcome, vaulted ceilings,
- Built in Entertainment Center, Walk-in closets,
- Central Playground and Picnic Areas
- Seasonal Pool, Fitness Room, Sand Volleyball Court
- Close to Shopping and Dining!
Keeneland Park Apartment Homes offer 2 and 3 bedroom townhomes for rent. Keeneland Park is conveniently located off Fairview Avenue in Boise, Idaho. Cats are welcome! Your apartment home includes washer/dryer, air conditioning, dishwasher, fireplace, garbage disposal, walk-in closets, window coverings, microwave, patio and vaulted ceilings!
Meridian, ID 83646
Assets & Investment Management
- Boise Homes For Rent
- Meridian Homes For Rent
- Nampa Homes For Rent
- Boise Property Management
- Idaho Property Management
- Idaho Apartments Management
Assets & Investments Management is a full service property management company in Meridian, ID offering services to owners of rental apartment homes, rental houses, individual rental condominiums, multi-unit property owners as well as executive suites throughout the Treasure Valley. Let us help you find that 1, 2 , 3 or 4 Bedroom home that you have been searching for; from Boise, ID to Nampa, ID.
Meridian, ID 83642
Fields at Gramercy
- 1 and 2 Bedroom Apartments for Rent
- Clubhouse w/ Fitness Center
- Seasonal Pool
- Garages and Covered Parking
- Patios or Balconies
- Upgraded Kitchens
- Washer & Dryer in Unit
- Walkin Closet
- Fireplace
- Extra Storage
- Walk to Majestic Theaters, Mountain View HS
- Easy Access to West Boise
The Fields at Gramercy offers 1 and 2 Bedroom apartments for rent in Meridian, ID. The Fields at Gramercy sets a new standard in luxury living just minutes away from the city. Call for a personal tour today!
Meridian, ID 83642
Creekside Arbour
- 24 Hour Fitness Center, Clubhouse with Free WiFi
- Secluded Neighborhood, Beautifully Lancsaped
- Free Basic Cable and Close to Shopping
- Private Patios and On-Site Storage Available
- Pool, Spa, Play Area / Basketball Ct.
- Covered Parking or Attached Garages
Creekside Arbour in Meridian, Idaho offers 1, 2, and 3 bedroom apartment homes for rent. Let our responsive management team do all they can to make you feel at home. We have great amenities like our beautifully landscaped grounds, sparkling swimming pool along with a relaxing whirlpool, a fully equipped workout facility, and an entertaining clubhouse.
Meridian, ID 83642
Red Tail Luxury Apartments
- Brand New! Now Leasing!
- Luxury 1, 2 and 3 Bedroom Apartments
- Resort Style Swimming Pool
- Clubhouse and Well-equipped 24hr fitness center
- Volleyball Court, Billiards, Conference Room
- Garages and Storage Units available
- Close to Restaurants and Shopping
- Minutes from Movies and Entertainment
- Close to Walmart and Lowes
- Gigabit Fiber Internet
- Trash Valet
- Minutes to West Boise and NW Lineman College
Red Tail Luxury Apartments offers luxury 1, 2 and 3 Bedroom apartments for rent in Meridian, ID. Centrally located for easy access to Boise and all that the Treasure Valley has to offer. Reserve your new home today!
Meridian, ID 83646
Settler's Village
- Luxury 2 & 3 Bedroom Townhomes
- Live Life on Settler's Park!
- Washer / Dryer included
- Reserved and Covered Parking
- Private Patios
- Rocky Mountain School District
Settler's Village is Brand New and is now offering luxury 2 & 3 Bedroom town homes for rent at Settler's Park in Meridian. SHORT TERM LEASES AVAILABLE
Nampa, ID 83651
Pinehurst Townhomes
- 2 & 3 Bedroom Townhomes Near CWI
- Fireplaces, Washer/Dryer, Patio
- Clubhouse, Covered Parking
- Tennis Court, large grass common areas
- Pets Welcome, Under new Management!
- Close to Karcher Mall, Theaters and fine dining!
Pinehurst Townhomes, which offers 2 & 3 bedroom apartment homes for rent in beautiful Nampa, Idaho. Close to Karcher Mall, theaters, shopping and fine dining! Pets welcome. Call for a personal tour!
Mountain Home, ID 83647
Mountain Ridge Apartments
- Mountain Ridge - 520 Caribou Dr. (Office)
- Desert Manor - 875 N. 3rd East St. Bldgs. 3-6
- Westview Estates - 915 & 955 S. 5th West St.
- Green's Place - 750 S. 5th West St. A-D
- Professionally Managed by friendly staff
- www.GreenAndJinInvestments.com
Green & Jin Investments features Mountain Ridge, Desert Manor, Green's Place and Westview Estates available for rent in Mountain Home, ID and offering 2 Bedroom 2 Bath apartments with Washer & Dryer included. Pets Welcome with No Pet Deposits!
Idaho Falls, ID 83401
The Meadows at Parkwood
- 1 & 2 Bedroom Apts, Gas Fireplaces in Select units
- Premium Plush Carpeting / 2 Tone Designer Paint
- Central A/C & Efficient Gas Heating
- 2 Elegant Clubhouse/2 Fitness Centers/Pool/2 Spa
- Private Patio or Balcony w/ Extra Storage
- Full-Size W/D Included, Garage or Covered Parking
- Community Garden Area
- Built-in Computer Desk in Most Apartments
The Meadows at Parkwood in beautiful Idaho Falls, Idaho is now offering 1 & 2 Bedroom apartment homes for rent starting at only $550 with full-size W/D included. Come and enjoy the many fine features and outstanding facilities that make The Meadows at Parkwood an exceptional address - one youll be proud to call your own.
Idaho Falls, ID 83404
Chelsea Court Apartments
- Terrific Location, Close to Shopping & Theaters!
- Beautiful clubhouse and garden style courtyard
- Large playground and seasonal outdoor pool
- W/D hook ups, Laundry Center on-site,
- Private patios and balconies w/extra storage
- 1 dog or cat under 20 lbs
Chelsea Court Apartments, located in beautiful Idaho Falls, Idaho, has studio, 1, 2 and 3 bedroom apartment homes for rent. We welcome small pets under 20lbs. We offer a beautiful view, pool, laundry facility, playground, clubhouse, courtyard, disability access, public transportation access, covered parking and garages.
Rexburg, ID 83440
The Village Apartments
- Large Floor Plans... Nine to Choose From!
- Pet Friendly! Full size Whirlpool appliances!
- Washers & Dryers, Dishwashers, Custom Oak Cabinets
- Clubhouse, Fitness Center, Billiard Room
- Dedicated Management and Maintenance Staff
- Children's Playground Area, Enclosed Dog Park.
The Village is Rexburg's Premier Apartment Community offering large 1 and 2 bedroom apartment homes for rent that include full-size washer and dryer! We are a pet friendly! Call for a personal tour today!
Pullman, WA 99163
The Residence at Whispering Hills
- Spacious 1, 2 & 3 Bedroom Floor Plans
- Free Garages
- Central Heat & Air Conditioning
- 9 Foot Ceilings
- Walk-in closets
- Fully Equipped Kitchens
Brand new 1, 2 & 3 bedroom apartment homes in Pullman, WA . Walk-in closet, full size washer/dryer and central heat & air conditioning. Free garage. Close to park and our location offers a quick commute to Schweitzer Engineering Labs or the WSU Campus.
Rexburg, ID 83440
Mesa Falls Apartments
- Pet-Friendly Apartments
- In-Home Washer & Dryer Included
- 24-HR Indoor Basketball Court
- Fiber Optic High-Speed Internet & Satellite TV
- Premium, 24-Hr Fitness Center
- Minutes to BYU Idaho
Mesa Falls Apartments offers 1, 2 and 3-bedroom apartments in Rexburg, each designed with a contemporary setting to ensure maximum comfortable living and is also pet friendly! We are committed to ensuring excellent customer service and creating both a new standard of apartment living and the best married housing Rexburg has to offer. So, stop looking and start living at Mesa Falls Apartments
Rexburg, ID 83440
Woodshed Apartments
Thank You! Your email has been sent. We appreciate your interest.


text:
|Name: _________________________
|Period: ___________________
This test consists of 15 multiple choice questions and 5 short answer questions.
Multiple Choice Questions
1. Which of the following is NOT an option the jury has in the woman's case?
(a) They can rule the death a suicide.
(b) They can find that the husband died of natural causes.
(c) They can offer an open verdict.
(d) They can rule that the death was a homicide.
2. Stone spends part of the night writing a letter to whom?
(a) Arrington.
(b) Sir Winston.
(c) The press.
(d) Allison.
3. What was Stone's former profession?
(a) Mechanic.
(b) Cop.
(c) Dentist.
(d) Jeweler.
4. What does Stone tell Allison is her best chance of surviving her situation?
(a) Seduce the prosecuting attorney.
(b) Pay off the judge.
(c) Create a media frenzy.
(d) Plead insanity.
5. Paul Manning survived financially on __________________.
(a) inheritance.
(b) pension checks.
(c) investments.
(d) royalty checks.
6. Who is the attorney who will represent Allison?
(a) Sir William Malone.
(b) Sir Greer Billingsley.
(c) Sir Leslie Hewitt.
(d) Sir Robert Lewis.
7. Allison does not act like _____________________.
(a) a grieving widow.
(b) a flirt.
(c) a professional.
(d) a philanthropist.
8. Stone has dinner with Allison to tell her about _____________________.
(a) the next press conference.
(b) his ex-wife.
(c) Sir Leslie's accident.
(d) the contract with Libby.
9. What does Sir Leslie send Stone to get when Stone and Allison arrive for lunch?
(a) Milk.
(b) Tea.
(c) Ice cubes.
(d) Scotch.
10. Allison refuses to leave the island without her briefcase and ____________________.
(a) clothes.
(b) cell phone.
(c) cosmetic case.
(d) laptop.
11. Where does Allison stay until a press conference can be arranged?
(a) A police station.
(b) A hotel.
(c) Jail.
(d) The yacht.
12. In Chapter 25, a woman arrives at the Shipwright's Arms claiming to be _______________.
(a) Therese Manning.
(b) Allison Manning.
(c) Arrington Carter.
(d) Lucille Manning.
13. Who is Stone's friend who had been making arrangements for another English barrister for Allison's trial?
(a) Rich Davidson.
(b) Marvin Homan.
(c) Tim Miller.
(d) Bill Eggers.
14. Stone feels that he has successfully ruled out __________________ in the case.
(a) blackmail.
(b) a fake death.
(c) theft.
(d) suicide.
15. Stone has Allison give him two blank pieces of paper with her signature and _________________.
(a) the deed to the yacht.
(b) the key to the safety deposit box.
(c) a blank check.
(d) her credit cards.
Short Answer Questions
1. What information does Paul's first wife give Stone?
2. Why does Stone return to Allison's yacht in Chapter 17?
3. What happened to the husband on board the ship?
4. Why does Stone tell Allison to leave the island?
5. Stone calls Bill Eggers to have him hire _________________.
This section contains 452 words
(approx. 2 pages at 300 words per page)

subset: commoncrawl


text:
What is a reasonable amount of pushups to do in order to get a good workout?I just did 5 sets of 20 for incline,decline,and regular pushups.Is that good enough or should I do more?I'm really hoping these will help my chest grow and get stronger!What do you guys think?
- 24/7 Customer Service 1-877-991-3411
- Contact Us
- Need Help?
- View Cart
Thread: How many pushups=good workout?


text:
Book your room at Candle Light Inn
We are unable to search for rooms at this time. Please try again in a few minutes.
Hotel in Carmel near Carmel Beach
Situated near the beach in the city center, this hotel is close to Carmel Chamber of Commerce, Carmel Beach, and Pebble Beach Golf Links. Also nearby are Carmel Plaza and Galante Vineyards.
Hotel Features
Candle Light Inn provides complimentary wireless Internet access, free self parking, tour/ticket assistance, and concierge services.
Room Amenities
Televisions come with satellite channels. Guestrooms also feature complimentary wireless Internet access, refrigerators, and coffee/tea makers.Information missing or incorrect? Tell us!
At your hotel
At your hotel
A complimentary breakfast is offered. Public areas are equipped with complimentary high-speed wireless Internet access. This Carmel hotel also offers tour/ticket assistance, coffee/tea in the lobby, and concierge services. Complimentary self parking is available on site.
Candle Light Inn is a smoke-free property.
- Total number of rooms - 20
- Tours/ticket assistance
- Number of floors - 2
- Free self parking
- Coffee/tea in lobby
- Complimentary newspapers in lobby
- Free breakfast
- Concierge services
- Fireplace in lobby
- Front desk (limited hours)
- Free Wi-Fi
- Smoke-free property
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
Park your car
Free self parking
In your room
- Phone
- Coffee/tea maker
- Hair dryer
- Iron/ironing board
- Cribs/infant beds available
- Hypo-allergenic bedding available
- Complimentary newspaper
- Access via exterior corridors
- Free local calls
- Refrigerator
- Complimentary bottled water
- Private bathroom
- Complimentary toiletries
- Satellite TV service
- Free Wi-Fi
Eat and drink
Guests are offered a complimentary continental breakfast.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Surfing/boogie boarding nearby
- Kayaking nearby
- Sailing nearby
- Windsurfing nearby
- Hiking/biking trails nearby
- Bicycle rentals nearby
- Parasailing nearby
- Golf lessons available nearby
The fine print for Candle Light Inn
When you arrive
Check-in time starts at 3 PM
When you leave
Check-out time is 11:30 AM
How you can pay
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
No elevators
- Tourism fee: USD 0.50 per room, per night


text:
You must log in to access this feature. Sign in with Twellow or Facebook to get started.
By signing in to Twellow, you indicate your agreement to our terms of service.
Simply connect with Facebook and kiss those password blues away,
or go here to reset your password.
My name is Eddie Kaul and I am training to compete in duathlons and triathlons and want to share my experiences. And a digital marketer by trade. ;)


text:
Sure, some teams got started last week. But Monday was the first full day of spring sports.
With spring sports, there are more busy days than light days on the schedule. Well, except for when it rains.
Wednesday, The Columbian will have a story on this opening week and what it means to athletes and fans.
So tell us what your favorite spring sport means to you by sending a tweet to@360paulv.


text:
While most dentists and national dental care organizations agree that gum disease and heart disease are linked to each other, the case is still out as to what the exact connection is between the two conditions.Dr. Steven Offenbacher, a University of North Carolina research professor, told CNN that "there's a lot of evidence to suggest that inflammation can be a hidden killer."The professor has reportedly been researching the link between the two conditions for 15 years and explained a substance produced in the body called high-sensitivity C-reactive-protein (hs-CRP) may be the suspect.However, dental health researchers are not sure if hs-CRP is a signal for the coronary condition or an actual risk factor, said cardiologist Dr. Arshed Ouyyumi, according to the article. To add to the complicated debate, some researchers say it's possible many people have died from heart disease that was linked to poor dental health and didn't know it.The American Dental Association has stated gum disease can occur with little or no warning signs and that the best way to prevent the condition is to administer routine dental care and dental checkups.For more information on discount dental plans call 1-888-632-5353
© 2009 Brafton Inc.
The materials and articles published on DentalPlans.com are for informational purposes only. Although DentalPlans.com strives to be accurate and complete, the information is provided without liability for errors. DentalPlans.com does not warrant the accuracy or completeness of the information, text graphics, links, or other items contained on DentalPlans.com.
DentalPlans.com expressly disclaims liability for errors or omissions in these materials and DentalPlans.com makes no commitment to update the information on DentalPlans.com.
DentalPlans.com expressly disclaims all liability for the use or interpretation by others of information on DentalPlans.com. Decisions based on information contained on DentalPlans.com are the sole responsibility of the visitors, and visitors agree to hold DentalPlans.com and its Affiliates harmless against any claims for damages arising from decisions visitors make on such information.
Nothing on DentalPlans.com constitutes medical advice or other forms of advice. DentalPlans.com assumes no responsibility for material created or published by third parties linked to DentalPlans.com with or without DentalPlans.com's knowledge.
Savings plans are NOT insurance and the savings will vary by provider, plan and
zip code. These plans are not considered to be qualified health plans under the
Affordable Care Act. Please consult with the respective plan detail page for additional
plan terms. The discounts are available through participating healthcare providers
only. To check that your provider participates, visit our website or call us. Since
there is no paperwork or reimbursement, you must pay for the service at the time
it's provided. You will receive the discount off the provider's usual and customary
fees when you pay. We encourage you to check with your participating provider prior
to beginning treatment. Special promotions including, but not limited to, additional
months free are not available to California residents. Note – not all plans and
offers available in all markets.
© 1999-2014 DentalPlans.com, Inc. All Rights Reserved. Patents Pending.


text:
Toyota SUV Leveling Kit
Many vehicles come stock with their nose down, like a stink bug! If you don't like this look, order a leveling kit to lift your vehicle! Most lift kits will lift and level out your entire truck, but if you're looking for a cheaper way to get level, then these kits are what we recommend for your 4Runner, Sequoia, or FJ Cruiser.
2.5" 2001-2006 Toyota Sequoia Rear Leveling Kit$129.95
Free Shipping!
2" 2008-2012 Toyota Sequoia Platinum Leveling Kit$158.87
Free Shipping!
2" 2003-2009 Toyota 4Runner Rear Leveling Kit$129.95
Free Shipping!


text:
My Profile
Member since Oct 2011
Flag This ProfileFlag as Inappropriate
Reviewed Marinated Tomato Salad with Herbs
Oct 9, 2011 in Food Network Community Toolbox on FoodNetwork.com
"AWE.SOME. These are so good! I made them this morning and we had them with our lunch. Our lunch guests asked me to print out the recipe for them. They are fantastic! Loved the flavor, although I had to used dried herbs because it's all I had on hand. I'm sure the fresh herbs would put it over the top!!! We will be making these again and ag..."


text:
Does it matter?
there is a circle of life in this universe; I do not think because I am human, that I am superior to all other species or living organisms.
there is a circle of life in this universe; I do not think because I am human, that I am superior to all other species or living organisms.
We can be if we want to, but we're not. We have too much hatred for each other..and we are intolerant and cruel.
Yes and think I find it very amusing when I hear people say animals are people also. In some degree I have to agree with them, many people indeed act as animals.
I can't help it as I have the gift of reason. That gives me a huge advantage over all other creatures great and smal.
Of course .. I've met many of them! Mind you non humans are nice. :)
not if you can kung fo fight
Related Questions
Has anyone ever heard of the Intention Experiment? Aimed at discovering how human intention can affect the world?intentionexperiment.comRolle2323 61-65, F 13 Answers 4 Feb 5, 2011
Do you think harvesting of the cross species pig/human hybrid will improve the world's unelected technocratic state ?THEMADHATTERXXXX 46-50, M 5 Answers 4 Nov 27, 2011
FlattertoDeceive 18-21, M 6 Answers 2 Jan 28, 2013 in Hobbies
Isn't it strange that when i cook at home, i feel like the most popular human being in the entire world? !
muhu 26-30, M 16 Answers 4 Jul 10, 2013 in Doing Good
utopiandream 18-21, M 6 Answers 0 Dec 8, 2013 in Embarrassing & Funny
Are non addicts superior to addicts as human beings by virtue of their abstaining from regular use of chemicals?pedrohedgerow 51-55, M 1 Answer 2 Aug 24, 2011


text:
COLUMBIA — It wasn't a regular wine tasting at the University Club in the Reynolds Alumni Center on Thursday night. Guests dined on Mtsvadi — a steak kebab, and Khinkali, which resemble large dumplings. They drank wines called Saperavi and Kindzmarauli. Everything was traditional to the Republic of Georgia.
Georgian officials look to model after U.S. democratic system
Friday, November 13, 2009 | 12:01 a.m. CST; updated 12:08 p.m. CDT, Wednesday, May 5, 2010
To read the full article, please sign up or login.
Get full access to the Columbia Missourian on your computer, phone, and tablet for just $5.95 per month.
* Unlimited access on your iPhone, iPad, Android phone and Android tablet
* All the high-quality, in-depth journalism of the Columbia Missourian and Vox Magazine, updated 24/7
* Your news. Your device. Your time.
If you'd like to read more about the value of being a member, read this column from the Missourian's executive editor, Tom Warhover.


text:
Sony ZX Series Noise-Canceling Headphones
$25 free shippingSHOP NOW
Posted November 28, 2014
Staples offers the Sony ZX Series Noise-Canceling Headphones in Black, model no. MDR-ZX110NC, for $24.99. Plus, Staples Rewards members receive free shipping. (Not a member? It's free to join.) That's $9 under last week's mention and the lowest total price we could find by $20. They feature a frequency response of 12Hz to 22kHz, 10 dB/mW sensitivity, and 45 Ohm impedence.


text:
enjoy free online games with friends and family
watch the latest videos from around the world right here.
Get the latest buzz from the world of sports
Get the latest news on technology and updates on mobiles
get the upcoming bank exams and study materials
comprehensive online resource on health and lifestyle
Get your daily horoscope, consult top astrologers
Manti Te'o tells ESPN that Ronaiah Tuiasosopo apologized for girlfriend hoax .
Powered by Disqus


text:
is a congressionally mandated study of the Small Business Innovation Research (SBIR) Program, reviewing the operation and achievements of this $2.3 billion award program for small companies and start-ups. He is also directing a major study on best practice in global innovation programs, titled Comparative National Innovation Policies: Best Practice for the 21st Century. Today's meeting "E Kamakani Noi'i" forms part of a complementary analysis entitled Competing in the 21st Century: Best Practice in State and Regional Innovation Initiatives. The overarching goal of Dr. Wessner's work is to develop a better understanding of how we can bring new technologies forward to address global challenges in health, climate, energy, water, infrastructure, and security.
An orthopedic surgeon, inventor, and entrepreneur, Dr. Hank C. K. Wuh has led the development of over twenty biomedical and consumer health care products from concept to global commercialization.
Dr. Wuh is founder and CEO of Skai Ventures, a hybrid of venture capital and technology accelerator focused on developing successful companies by transforming novel, ingenious ideas from scientists at leading universities into disruptive innovations. He is also founder and CEO of Cellular Bioengineering, Inc., developing the world's most advanced, bioengineered cornea for transplantation to restore vision for the 10 million people around the world with corneal blindness (www.cellularbioengineering.com). Dr. Wuh recently founded World Children's Vision, a charity with a mission to bring blind children from around the world to Hawaii for the gift of sight.
Skai Ventures' portfolio companies include DeconGel® (www.decongel.com), a polymeric material for radiological, nuclear, and hazardous chemical remediation; TruTags (www.TruTags.com), an edible optical security platform targeting the $75 billion annual problem of pharmaceutical counterfeiting; International Center of Excellence for Vision, delivering leading-edge technology to restore sight for visually impaired patients from around the world; and StemPure, optimizing the safety of stem cell transplantation.
Dr. Wuh received his B.A. from Johns Hopkins, M.P.H. from Harvard, and M.D. from the Johns Hopkins School of Medicine. Dr. Wuh was resident and chief resident in orthopedic surgery at the Stanford Medical Center. He was elected class marshal at Harvard and was twice winner of the Vernon P. Thompson Prize for outstanding research in orthopedic surgery at Stanford. Dr. Wuh was named the 2008 Invention Entrepreneur of the Year by the Hawaii Venture Capital Association and was nominated in 2010 for The National Medal of Technology and Innovation.
At the University of Hawaii, Dr. Wuh is a member of the President's Advisory Council on Innovation and Technology Advancement and the Dean's Council at the School of Engineering, and he is associate clinical professor of


text:
- Publisher: Namco Bandai Games
- Release Date: Oct 25, 2011
- Also On: Xbox 360
- Summary: The upcoming Dragon Ball Game Project is currently in development by Spike Co. Ltd., who are honing their considerable talents to create a new landmark game for the Dragon Ball Z franchise. The game features upgraded environmental and character graphics, with designs drawn from the originalThe upcoming Dragon Ball Game Project is currently in development by Spike Co. Ltd., who are honing their considerable talents to create a new landmark game for the Dragon Ball Z franchise. The game features upgraded environmental and character graphics, with designs drawn from the original manga series. Destructible battle fields, including massive craters and ki energy blasts cutting across the sky deliver a more dynamic experience and immediate sense of urgency to the exhilarating fights. An enhanced story mode drops players into the rich Dragon Ball Z universe, filled with beloved characters and powerful enemies. An accessible battle system allows gamers of all ages will be able to hold their own in fast-paced battles, while still retaining tactical depth for hardcore fans. … Expand
- Developer: Spike
- Genre(s): 3D
- Cheats: On GameFAQs
- More Details and Credits »
Score distribution:
Positive: 2 out of 26
Mixed: 20 out of 26
Negative: 4 out of 26
Oct 28, 2011It's not the first game that claims to be ultimate, but Ultimate Tenkaichi actually turns out to be a near-perfect Dragon Ball gaming experience. Lots of content, a great Be a Hero mode and destructible environments await.
Nov 8, 2011Dragon Ball Z: Ultimate Tenkaichi is an interesting evolution for this epic franchise. Spike did a great job trying to create a combat system as simple as dynamic, but the result of this operation is the lack of variety in the final experience. This could be the first step for a brand new saga about the Dragon Ball universe.
Nov 2, 2011Without doubts, Ultimate Tenkaichi is the best Dragon Ball game in terms of contents and visual appeal, but it's still a shallow fighting game where luck and fate are more important than players' skill.
Oct 26, 2011Not even Shenron can grant us our wish of enjoying a great Dragon Ball game this generation. It's unclear if Spike tries its best or if they gave up, but "Ultimate Tenkaichi" can't compare to what we have seen in PlayStation 2. Another forgettable game in the franchise.
Nov 11, 2011Having covered this game since it was announced I was really hoping to find a great DBZ game. After all, the graphics look great and the presentation during the fight scenes is top notch. The problem is that the actual gameplay is so bad that I can't recommend Dragon Ball Z: Ultimate Tenkaichi to even the most hard core of DBZ fans.
Nov 29, 2011We must admit that there are some nice ideas, but overall, the game does more harm than good. In the end, the gameplay is what completely ruins everything.
Oct 28, 2011The battles in Dragon Ball Z: Ultimate Tenkaichi look intense and exciting, but dull mechanics prevent the gameplay from channeling any of that excitement.
Score distribution:
Positive: 15 out of 34
Mixed: 5 out of 34
Negative: 14 out of 34
Oct 28, 2011This is another innovative dbz game, like last year's DBZ: Tenkaichi Tag Team. Only here, thev'e entirely altered the gameplay. The graphics &This is another innovative dbz game, like last year's DBZ: Tenkaichi Tag Team. Only here, thev'e entirely altered the gameplay. The graphics & giant bosses were the best parts, I think.… Expand
Jun 7, 2012This is literally the worst video game I have *ever* played. Let me explain. I was expecting something in the same vein as DBZ Budokai 3 orThis is literally the worst video game I have *ever* played. Let me explain. I was expecting something in the same vein as DBZ Budokai 3 or Budokai Tenkaichi 2, or Budockai Tenkaichi 3, all of which I have enjoyed, all of which I am now unable to play (PS2 broke, PS3 slim not reverse compatible, Wii stolen). Looking for something to fill the void and filled with fond memories from the Budokai series I bought Ultimate Tenkaichi, for $60. I had such high hopes. Combat literally boils down to a coin flip every 10-15 seconds. WHY IS THIS IN NO REVIEWS. I'm not even kidding, it is nearly complete random chance. I read IGN's review expecting stellar gameplay that was perhaps a little too similar between characters. What I did NOT expect was a game where literally any skin could be thrown on the character, as everyone fights exactly the same.
Let me sum up gameplay for you, and I am NOT oversimplifying, I'm spelling it out for those who haven't bought the game, and I hope to dissuade them from ever buying the game.
Gameplay is as follows: Approach enemy. Press Square 3 times. If blocked press triangle to break block, then press square three times. Coin flip, press either Square or Triangle. If you succeeded: CONGRATULATIONS! Press the corresponding key 4 more times. If you failed: BAD LUCK! Try again.
But, apparently there's some ranged combat in this game, you say? Well yeah, and it goes EXACTLY THE SAME as melee combat, except you lose the somewhat useful ability to get behind an opponent to avoid the coin flip. Press square for blockable energy blasts, press triangle for a block breaking energy blast. Press circle to block.
THAT IS THE GAMEPLAY. You can press up or down on the right stick for a flashy special move, and do transformations with L2, and that's the entire game. Do you want to know the worst part? Ok, I'll tell you. EVERY CHARACTER FUNCTIONS EXACTLY THE SAME! It's not that they're "a bit similar" or "vaguely reminiscent" of each other, they are identical. The only difference I have noticed at all are different special attacks (the right stick ones, the ones you use 2-5 of in a match) and some different attack animations while you spam Square/Triangle. Every combo in the game is Square->Square->Square->Coin Flip. And that is completely and utterly unacceptable. I'm a huge DBZ fan. I'm also a huge Budokai fan. This is just so goddamn heartbreakingly disappointing that I can't adequately put it into words. Do not buy this game, unless you REALLY want to see what a coin flip simulator looks like with a graphical user interface.… Expand
Oct 26, 2011This new dragon ball z is probably one of my favorite ones that I have played so far because it has new graphics layout, new fighting system,This new dragon ball z is probably one of my favorite ones that I have played so far because it has new graphics layout, new fighting system, Destructible environments and the ability to customize your character.… Expand
Oct 4, 2012Worth playing, but fights are too much the same and take too long. A great part of the fights is decided by coincidence rather that ability.Worth playing, but fights are too much the same and take too long. A great part of the fights is decided by coincidence rather that ability. The good thing is, button mashing will get you nowhere, but the possibilities of actions you have are very limited. There are long loading screens even for 5-second videos. Also I found it strange that you can select nearly every character from the start.… Expand
Oct 21, 2014Dragon Ball Z: Ultimate Tenkaichi
Game-play:At the start the game play is good but it is very repetitive that you are going to hate itDragon Ball Z: Ultimate Tenkaichi
Game-play:At the start the game play is good but it is very repetitive that you are going to hate it there are some good ideas the all of them are executed poorly.
Story:The classic DBZ story.
Graphics:The graphics for some reason look worst that older game of the series.
Notes:The Hero mode is the best thing about this game with a short but good story,rent the game only to play the hero mode.… Expand
Jun 24, 2012Ok where to begin.....I got it:remember those ps2 classic DB games? You know those classic DB games you enjoyed with friends whether youOk where to begin.....I got it:remember those ps2 classic DB games? You know those classic DB games you enjoyed with friends whether you played the 2D/3D version those past games let you do what this game don't not...use ACTUAL skill when playing...sigh...sadly matches(whether fight against a person or CPU) is SOLELY BASED ON LUCK....sigh...its a button smashers dream where matches are based on quick punches and hoping your opponents never press the same button when a special attack/wave is initiated...sigh...you want to launch ki attacks of any kind while up close & personal? Sorry but u must first initiate a scene first & pray your opponent isn't pressing the same button...oh but wait you can freely use any ki attacks but ONLY if your inside a blast zone?why do I have to be a mile away to freely use ki attacks without initiating a scene? Kind lots of characters were blasted in the face from atleast 3 feet away in the show but not here...sign...I like the giant ape battles but the where left without the essence of what made those battles intense...being able to get up close & personal but you can only use weak ki blast until you stun them then your free to assault a giant finger?...sigh...battles are EXTREMELY REPETITIVE after at least 20
Minutes of spamming uninteresting moves until u realize that one press of a button easily leads up to a thirty hit combo...matches can end very quickly & you soon realize special attacks are pointless...but my main gripe about the combat was the fact that you can ONLY use your finisher attacks( I.e sport bomb)when your opponent's has 10,000 or less damage!?...sigh...most fights end with you accidentally beating your opponent's instead of the way you want...the graphics are very impressive & the characters looks are faithful to the show I also liked hero mode which lets you create a character which is a first in the series but clothing customizing is limited but well worth using! All in all its to flawed a game with repetitive fighting,boring gameplay coupled with an inability to actually guard(certain areas you can block but still take 2,000 plus damage defeats the purpose of using it)makes this a broken & terribly flawed game! Burst limit may have few characters but at least its entertaining even DB raging blast is better..AVOID AT ALL COST!!!… Expand
Jan 23, 2014This review contains spoilers, click expand to view. I'm just gonna start by saying more needs to be added to the dbz series I'm tired of the same battles with the same villains. This was a terrible game the game play is limited and the fighting is boring, I hate the fact that I wasted my money. The only good part was the fact that I could create my own fighter but fighting with any character was dreadful this is just a modified game of "rock,paper,scissors" and is based all on luck. The fact that I didn't even know how to use my ultimate moves at first is terrible and should never happen. This game was so bad it makes you think that the newer ones coming out in the future will be just as bad because of that reason I cannot see myself buying another dbz game. Nice graphics by the way, the gameplay just really threw me off and pissed me off.… Expand
- 3:28
- (1 view)
- 3:34
- (1 view)


text:
So really, it's Nikita's fault.
There are guys lined up at your door and the other girls are pissed because you're hogging all the male attention? Hey, it's not your fault. You're just wearing the Nikita Blameless Dress, which has a semi-loose fit, spaghetti straps, and an elastic bottom that equal sexy-and-sweet style.
Share your thoughts
What do you think of the
Nikita Blameless Dress - Women's
? Share a...
Laura Foster
(i'm wearing it right now) and i love it. you can wear it as a dress, or pull it up and wear it as a long, baggy tank top with some pants, it's really nice either way, or with leggings! really comfy, fits body well, i went with an XS size because i figured there was a little extra fabric, and this was a good move, it fits perfectly! -so go down a size i would suggest.


text:
Recipe isn't clear ... is it fresh (seems to be) salmon or canned? Using fresh salmon would result in better mixture.
Salmon Cakes with Olives, Lemon & Dill
From EatingWell: September/October 2013
Studded with briny olives, bright lemon zest and a touch of dill, this healthy, easy salmon cake recipe is perfect for dinner and for freezing. Whether you serve the salmon cakes on a bun like a burger with lettuce and tomato or paired with a mixed green salad, try a dollop of reduced-fat mayo mixed with lemon juice on top.
5 Reviews for Salmon Cakes with Olives, Lemon & Dill
These turned out great! I don't really like olives, but they were great in this recipe. I chopped my salmon into more of a puree to ensure that the cakes didn't fall apart in the pan.
I am really disappointed with this recipe. The wild canned salmon was expensive, and I ended up having to throw all patties away since they fell apart in the pan when attempting to flip them. I rarely if ever have recipes that fail, but this wasn't surprising as there really seemed to be a binding element missing, or even panko/bread crumbs.
I wondered if there should be an egg in the recipe, as they barely formed into patties before cooking, but completely fell apart when slipped gently into the pan. We ended up with salmon "hash" instead of cakes.
These were easy to make (easier if you have your fish monger remove the skin and pin bones from the salmon). As long as you don't overprocess in the food processor, you'll have a flavorful result.


text:
Date: 1 year ago
Runtime: 5:31
Views: 35,388
Top Comments
All Comments
Dont shave your ass it hot just the way it is!
wish I could rim you and get u well wet 4 my cock
I love first times ... and 2's, 3's .......
I'd love to sniff, lick, suck and fuck your hairy private holes all day long mister!
Need some more practise and shaving that ass would help
well, how did you like it? looked good


text:
YesStyle.com ships to the United States.
Size 39: Length: 240-245mm, Width: 95mm
Size 40: Length: 245-250mm, Width: 95-100mm
Size 41: Length: 250-255mm, Width: 100mm
Size 42: Length: 255-260mm, Width: 105-110mm
Size 43: Length: 265-270mm, Width: 115mm
|Material & Care Information
|Wash care:
|Wipe Clean
|More Information
|Catalog No.:
Renben leads the canvas shoe trend with chic, quality canvas shoes for men and women. Designed with style and comfort in mind, its shoes feature vibrant colors, comfy fabrics and durable, slip-resistant soles, making them ideal for youthful, free-spirited individuals. Renben was founded in 1986 and has since evolved into one of the most versatile shoe brands in China.YesStyle is an authorized retailer of Renben.


text:
July 29 (Bloomberg) -- An affiliate of USAA Real Estate Co. joined a partnership that recapitalized 340 Madison Ave., a midtown Manhattan office tower, expecting its value to rise.
USAA, a commercial-property management unit of San Antonio- based United Services Automobile Association, will share control of the property with Broadway Partners and RXR Realty LLC, the companies said in a statement. RXR, based in Uniondale, New York, and run by investor Scott Rechler, bought a 49 percent interest in the building last year, in a deal that valued it at $570 million.
The transaction gives the partners "the opportunity to invest additional capital alongside USAA to facilitate the de- leveraging of the property to an appropriate level," Rechler said in the statement.
Manhattan office prices rose 27 percent in the 12 months ended June 30, Green Street Advisors Inc., a Newport Beach, California research firm, said in a July 7 report. Broadway Partners, led by Chief Executive Officer Scott Lawlor, has sold some buildings and brought in partners on others after the low- cost financing it used for acquisitions dried up during the credit crisis in 2008.
Among the buildings Lawlor forfeited was Boston's John Hancock Tower, New England's tallest skyscraper. In May, he sold a majority interest in 280 Park Ave. to Vornado Realty Trust and SL Green Realty Corp., while keeping a stake.
'Long-term Value'
"We chose to remain invested in this asset on behalf of our investors through the recent market downturn because we firmly believed in its long-term value," Lawlor said of 340 Madison in today's statement.
The partnership received a new 12-year mortgage from Cornerstone Real Estate Advisers LLC, according to the statement. Terms weren't disclosed. When Rechler bought his stake, the property had about $460 million of debt.
The tower is 92 percent leased and tenants include the law firm McDermott Will & Emery LLP and the U.S. Office of the Comptroller of the Currency.
USAA Real Estate, whose parent company provides insurance to military families, had been looking at the property since it was marketed last year, Chief Executive Officer Pat Duncan said in the statement. He said he expects the long-term leases and location a block east of Grand Central Terminal "will continue to enhance the property's value."
--Editors: Christine Maurus, Kara Wetzel
To contact the reporter on this story: David M. Levitt in New York at email@example.com
To contact the editor responsible for this story: Kara Wetzel in New York at firstname.lastname@example.com


text:
List Price $417.00
You Save $139.00 (33%)
This item is no longer available. A member of our sales team can assist you with locating a suitable replacement. Please call 866.344.3875 for assistance.
Outdoor Post Mt 1Lt Fluoresc
2 question(s) from the community have been answered.
|Does this fixture have an opaque top or does it emit light from the top? What is a phot switch?
The Kichler Lighting Lancaster Gardens 1 Light Outdoor Post 49170AGZFL meets Dark Sky requirements and will not emit light from the top. It also features a photo switch which turns the fixture on at dusk and off at dawn.
|Have a question about this product? Ask us!
|Live Chat Submit a Question


text:
Join Us On
MCHD Welcome
MCHD Services
MCHD Vision and Mission Statement
MCHD History
Board of Health
MCHD Health News & Press Releases
Dental Clinic
Public Health Nursing Services
Public Health Nursing Calendar
Public Health Environmental Services
Food Safety Training & Information
Public Health Planning and Development
WIC Program
WV Healthy Start/HAPI Project
What Can HAPI Project Services Do For Me?
MCHD Training Center
Contact Us
Our Location/Map
Job Opportunities
Get Smart About Antibiotics
Notice of Privacy Practices
Website Privacy and Content Notice
West Virginia Disease Epidemiology Program
For a complete list of reportable communicable diseases, vist the
WV Infectious Disease Epidemiology Program
Linda Bennett
Create a
free website
Powered by
Start your own free website
A surprisingly easy drag & drop site creator.
Learn more.


text:
In Memory Patches
In Memory of Patches
Unfortunately, sooner or later most bikers will eventually qualify for "In Memory of Patches". Its a sad part of life, and one that we accept and understand that comes with the lifestyle. Some "In Memory of Patches" are for those that left us much to early and others have earned it long before their passing. In any event, we offer our deepest condolences on the passing of your loved one and will do our very best to ensure their memory lives on for ages to come.
The typical "In Memory of Patch" comes in the shape of a rectangle with rounded corners. Usually a black twill backing which signifies the color of mourning and the embroidered lettering colored white, to stand out and contrast the most for greater visibility. Some clubs will keep with tradition and use the black backing and use their main club color as the text thread. Other clubs will stick strictly with their club colors for their memorial patches and honor the brother and his service to the club.
We at Custom Biker Patches are honored that you would allow us to be a part of your memorial patch creation. We would like to offer a space on our site to honor your loved one and with each "In Memory of Patch" that we create we will add a posting that you provide to be displayed with that memorial patch. Tell us something about the person so that we can share it with the world and their passing is not in vain and others who never had a chance to meet him or her can know them through your memories. This is just a little way of saying thank you and honoring your loved one.
If your memorial is for a fallen armed forces veteran please consider the Patriot Guard Riders. They are a diverse group of riders spread out across this great nation. Their main goal is to honor our fallen service men and women and their families in this time of mourning and remembrance. They can help by creating a buffer zone or shield between families honoring fallen heroes and those buzzards who try to disrupt and protest such services. Patriot Guard Riders abide by legal and non violent methods.
We have no association with the PGR but feel they deserve a mention for their worthy efforts and cause.


text:
Camelback Mountain is home to the Biggest Snowtubing Park in the USA! With up to 42 lanes of insane sliding, single tubes to race your friends and family, double tubes for two times the fun, and 2 Magic Carpet Lifts for a convenient and speedy flight up the mountain, you're bound for a memorable and exciting adventure while snow tubing in PA. Morning, noon or night, Camelback will satisfy your craving for family fun and snow tubing in the Poconos.
Join us for the first slides in the morning at 9:00AM and 10:00AM, and take advantage of our Value Sessions! Or sleep-in and catch the glistening snow of afternoon tubing. Enjoy lunch at our Waffle Cabin where freshly made waffles are served piping-hot! After dinner, join us for the excitement of tubing under the lights during evening slides! A variety of cuisine is served at venues throughout the resort, so you and your family can make Camelback Mountain your all-day snow tubing destination in PA.


text:
If for some reason you are not completely satisfied with your purchase this holiday season, choose our FREE pre-paid shipping label and we'll cover your return! This offer is only good on eligible orders placed between November 1, 2014 and December 24, 2014. We've extended our normal return period to January 15, 2015 or 30 days after your order is received - whichever comes later. Learn more about our return policy.
Enjoy free shipping this holiday season! Shop now and get Free Value Shipping on most orders over $29.95 to contiguous 48 states, DC and to all U.S. Military APO/FPO/DPO addresses.
If any of the information does not apply, do not fill out the corresponding fields of the form. Please contact us if you need help understanding or entering your prescription. Prescription eyewear guide.
Segment Height and Pupil Distance (PD) are required and must be measured specifically for the frame you are ordering if you desire perfect fit for your prescription eyewear. Contact us if you have not had these measurements taken.
The Burberry BE4123 Progressive Prescription Sunglasses was fashioned to be the best looking means to make sure that that your sight is correct and your eyes are covered from unsafe Ultraviolet sun rays. Made employing unique frame elements, these Progressive Sunglasses through the experts at Burberry will provide you with a lifetime of use. The lenses inside the Burberry BE4123 Progressive Prescription Sunglasses are designed to continue to keep Uv rays far from your eyes, thus decreasing tiredness and tension. Burberry has been in the eyewear field for a lot of years, and the Burberry BE4123 Progressive Prescription Sunglasses is the byproduct of their endeavors to provide you the most suitable merchandise for the worth. Our goal here at OpticsPlanet has long been to be positive that our shoppers depart pleased, and the Burberry BE4123 Progressive Prescription Sunglasses is one which we are delighted to offer. For the best way to look great while keeping your vision in one piece and your eyes safe, opt for the Burberry BE4123 Progressive Prescription Sunglasses.
Available Burberry BE4123 Prescription Lens Styles:
These Burberry Rx Prescription Sunglasses are also available with authentic plano non-Rx lenses:
Burberry BE4123 Sunglasses
Connect with OpticsPlanet
Become our fan, follow us, & subscribe for the latest updates and deals
Subscribe to our email list
Sign up and receive $5 Off and get exclusive access to promotions, sales
events, pre-order sales & more!
Contact Information
Toll-Free: 800-504-5897
Intl.: 847-513-6201
Fax: 847-919-3003
Email: firstname.lastname@example.com
Hours of Operation
7AM-8PM CST Mon-Fri9AM-5PM CST Sat-Sun
Our Guarantees


text:
Chief Minister Narendra Modi Wednesday welcomed the elevation of Rajnath Singh as BJP president, saying he has always been associated with farmers which would benefit the party.
�I called up Shri Rajnath Singh ji and congratulated him. He brings with him vast experience of both organisation and administration,� Modi tweeted on social networking site twitter.
�Rajnath Singhji served as Agriculture Minister in Atalji�s government. He has always been associated with the farmers. BJP will gain from this,� he said in a second tweet.
The BJP Parliamentary Board earlier met today to discuss the new developments.
BJP general secretary Ananth Kumar told reporters that in the meeting senior BJP leader L K Advani moved a resolution appreciating the good work done by the outgoing President Nitin Gadkari. Gadkari, facing allegations of dubious funding of his company, was forced out of the race for BJP president�s post and Singh emerged the consensus choice for the office.


text:
Cinema Perfume
By Yves Saint Laurent for Women
Cinema Perfume by Yves Saint Laurent, Cinema by yves saint laurent will make any woman feel like a glamorous star . Invigorating blend of clementine, almond tree blossoms and cyclamen for the romantic top notes. The heart of the fragrance includes ambergris, white musk, vanilla, finishing off this romantic scent is amarylis, jasmine and peony. Cinema will make anyone a star. All products are original, authentic name brands. We do not sell knockoffs or imitations. ... Read More
- N Rosenstein
- Nacre
- Naf Naf
- Nahema
- Naj Oleari
- Nanette
- Nanette Lepore
- Naomagic
- Naomi
- Naomi Campbell
- Naomi Campbell At Night
- Narciso Rodriguez
- Narciso Rodriguez Essence
- Narciso Rodriguez Essence Eau De Musc
- Narciso Rodriguez Essence Iridescent
- Narciso Rodriguez Essence Musc
- Narciso Rodriguez In Color
- Narciso Rodriguez L'eau
- Narciso Rodriguez Musc
- Narcisse
- Narcisse Blanc
- Narcisse Noir
- Natori
- Natural Cocoaberry
- Nature
- Nature's World
- Naughty Alice
- Nautica
- Nautica My Voyage
- Navy
- Navy White
- Nazareno
- Nazareno Gabrielli
- Neiges
- Nejma
- Nejma Auod One
- Nejma Auod Six
- Nelly
- Neonatura Souffle
- New Brand
- New Brand Tracy
- New Haarlem
- New Musk
- New Phantom Of The Opera
- New Victorian
- New West
- New York Amber Oud
- New York Fling
- New York Oud
- New York Yankees
- Next Girlfriend
- Nickelodeon
- Nicki Minaj
- Nicole
- Nicole Lambert
- Nicole Miller
- Nicole Miller New
- Nicole Polizzi
- Nicole Richie
- Night Of Fancy
- Night Scented Stock
- Niki de Saint Phalle
- Niki Taylor
- Nikki Beach
- Nikos
- Nilang
- Nina
- Nina Fantasy
- Nina L'eau
- Nina L'elixir
- Nina Le Paradis
- Nina Pretty
- Nina Ricci
- Nina Snow Princess
- Nine West
- Ninfeo Mio
- Nino Cerruti
- Nirena
- Nirmala
- Niurka Marcos
- Niurka Marcos Con Feromonas
- No Regrets
- No Rules
- Noa
- Noa Dream
- Noa Fleur
- Noa Noa
- Noa Perle
- Nocturnes D'caron
- Noir Note
- Noix De Tubereuse
- Nokomis
- Nonchalance
- Norell
- Nostrum
- Not A Perfume
- Notes
- Notorious
- Notturno Fiorentino
- Nouveau Bowery
- Noxell
- Nu
- Nuda
- Nude
- Nude By Rihanna
- Nuit D'orient
- Nuit De Cellophane
- Nuit De Noel
- Nuit De Tubereuse
- Nuits De Noho
- Nuits De Scherrer
- NUParfums Group LLC
- Nymphea
- Nysa Green
- Nysa Red
3 oz Eau De Parfum Spray
Item #416391
In Stock & Ready to Ship!
$ 56.42Add To Cart
1.6 oz Eau De Parfum Spray
Item #416392
In Stock & Ready to Ship!
$ 46.52Add To Cart
1.15 oz Eau De Parfum Spray
Item #461071
In Stock & Ready to Ship!
$ 47.25Add To Cart
3 oz Summer Fragrance Eau D'Ete Spray
Item #431354
In Stock & Ready to Ship!
$ 54.75Add To Cart
This product has 12 Out of Stock items |
0.27 oz Mini EDP
Item #454775
1.6 oz Eau De Parfum Spray (unboxed)
Item #491028
0.5 oz Pure Perfume
Item #453989
3 oz Eau De Parfum Spray (unboxed)
Item #503118
1.6 oz Eau De Toilette Spray
Item #443220
3 oz Eau De Toilette Spray
Item #431121
6.7 oz Body Cream
Item #449336
6.7 oz Body Lotion
Item #440870
Gift Set - 1.7 oz Eau De Parfum Spary + 2.5 oz Body Lotion + 2.5 oz Shower Gel
Item #461426
Customers Who Bought This Item Also Bought
About Yves Saint Laurent
History and background of Yves Saint Laurent. Born in 1936, Yves Saint Laurent grew up in Oran, Algeria. At 17, he left for Paris where he showed his drawings to Michel de Brunhoff, director of Vogue, who published several of them immediately. Following a stint at fashion school, Saint Laurent was introduced to Christian Dior by de Brunhoff and he went on to work for Dior until his death in 1957. Read more about Yves Saint Laurent
More Yves Saint Laurent fragrancesfor Women: Opium , Paris , Rive Gauche , Manifesto , Elle , more
for Men: Kouros , La Nuit De L'homme , L'homme , L'homme Intense , Kouros Body , more
See all Yves Saint Laurent products
Customer Comments
Fantastic store! Easy shopping, quick shipping, and great prices. Highly recommend them and their products!
E. Kwiatkowski (Manalapan, NJ)
REVIEW SNAPSHOT®by PowerReviews
- Great smell (70)
- Long-lasting (61)
- Draws compliments (50)
- Sexy (49)
- Sensual (41)
- Too expensive (10)
- Overpowering (7)
- Doesn't hold (4)
- Too weak (3)
Best Uses
- Anytime (39)
- Evening (39)
- Daily use (38)
- Special occasions (38)
- Signature fragrance (33)
- Reviewer Profile:
- Classic style (44), Natural style (24), Adventurous style (13), Natural (4), Trendy style (4)
- Fragrance Type:
- Floral (40), Oriental/spicy (39), Fresh/aquatic (18), Powdery (18), Woody/earthy (18)
Most Liked Positive Review
Beautiful, classy, feminine
I bought this perfume for my mother last year as a new signature fragrance. She absolutely ADORED it and soon gave up wearing her previous fragrance, CK Euphoria, and wore this one every...Read complete review
I bought this perfume for my mother last year as a new signature fragrance. She absolutely ADORED it and soon gave up wearing her previous fragrance, CK Euphoria, and wore this one every day. This is now her second 90ml bottle that I have bought for her. It's a gorgeous fragrance, very beautiful and feminine, and works in both Summer or Winter (although I think Winter is best). I believe it could be worn by women of all ages.
Most Liked Negative Review
Inoffensive, quite sweet smelling.
Cinema on me is sweet, powdery, fairly pleasant, and inoffensive.It makes me think of trying to drink fresh orange juice whilst my mouth is full of dolly mixture sweets,(not that I've...Read complete review
Cinema on me is sweet, powdery, fairly pleasant, and inoffensive.It makes me think of trying to drink fresh orange juice whilst my mouth is full of dolly mixture sweets,(not that I've tried.) After a while it fades to a powdery blossom scent with the smell of dolly mixture sweets and candied orange peel lingering in the distance. I quite like it but I don't love it, which I was hoping I would from the reviews I've read. So far my husband hasn't made any negative remarks about Cinema, and he only likes Dolce Vita on me. From reading about the perfume notes in Cinema I wondered if it might be similar in nature to Dolce Vita, but it's completely different. I have to say I won't be buying another bottle though, and I'll only be using it occasionally.
Reviewed by 100 customers
Sort by
Displaying reviews 1-5
Previous | Next »
- Clean & Fresh
- Great Smell
- Sensual
- Sexy
- Too Expensive
- Too Weak
Best Uses
- Anytime
- Special Occasions
Comments about Yves Saint Laurent Cinema Perfume:
I liked very much and I hope, when you need to continue to buy the products FragranceX, teem good care and delivery, recommend to all people and friends, good luck.
- Fragrance Type:
- Floral, Fresh/Aquatic, Oriental/Spicy
- Clean & Fresh
- Great Smell
- Sexy
Best Uses
- Signature Fragrance
Comments about Yves Saint Laurent Cinema Perfume:
- Fragrance Type:
- Herbal, Oriental/Spicy
- Sensual
Best Uses
- Anytime
Comments about Yves Saint Laurent Cinema Perfume:
A woman beside me in a filmfest lineup smelled fabulous. Turns out she was wearing "Cinema". Perfect!
- Fragrance Type:
- Powdery, Woody/Earthy
- Clean & Fresh
- Draws Compliments
- Great Smell
- Great Value
- Long-Lasting
- Not Overpowering
- Sensual
- Sexy
Best Uses
Comments about Yves Saint Laurent Cinema Perfume:
This perfume reminds me of 15 years ago is very beautiful and is still beautiful and the previous release
- Fragrance Type:
- Citrus/Fruity, Floral, Fresh/Aquatic, Herbal, Oriental/Spicy
- Great Smell
- Long-Lasting
- Nice bottle
- Romantic
- Sensual
Best Uses
- Evening Use
- Signature Fragrance
- Special Occasions
Comments about Yves Saint Laurent Cinema Perfume:
A rich, warm fragrance that smells very classy. Love it!
- Fragrance Type:
- Floral, Oriental/Spicy
Displaying reviews 1-5
Previous | Next »


text:
Cut the Rope holiday version now available
Chillingo has joined the holiday fun with Cut the Rope: Holiday Gift edition. The holiday version of Cut the Rope is a universal app, separate from the regular app, and offered free of charge.
If you have somehow missed Cut the Rope, do yourself a favor and check it out. In addition to the holiday edition, there are both free "lite" versions and regular versions ($1 for the iPhone version, $2 for the HD iPad version). It's a lot of fun and offers plenty of challenges. "Om Nom" might be the cutest cartoon character since Little Cindy Lou Who (who was no more than two).
I keep hoping for a holiday version of Plants vs Zombies, but I guess I'll have to hope for "maybe next year."
[via Touch Arcade]
Subscribe to Newsletter
Software Updatesmore updates
- Dropbox adds file/folder renaming and Office document editing to iOS app
- Vizzywig 8xHD price tag now a very affordable $49.99
- Automatic targets teen drivers with License+ service
- Dropbox adds support for TouchID
- YouTube for iOS gets updated with full support for iPhone 6 and 6 Plus
- iOS 8.0.1 update now available (Updated -- Don't update!)


text:
What My Dad Cooked
Where some chefs we like got some inspiration that lasted a lifetime
Linton Hopkins
Eugene, Atlanta: "Sunny-side-up eggs fried in bacon fat in a cast-iron skillet. They're still the only thing he knows how to cook. He would tilt the pan to collect the fat on one side, and spoon it over the yolk to cook the egg from the top."


text:
I Received this email from Mike early this morning.
I had recently applied for a loan through a major bank, and had gone through the whole process, only to have been told that the underwriter wouldn't approve the loan unless the CAIVRS report was removed. Unfortunately, I had to file chapter 7 bankruptcy and included my house, which had been financed through an FHA loan. Upon further investigation, the mortgage loan officer said that because there was a foreclosure, that the underwriter wouldn't approve the loan. They told me to contact HUD, who told me that the claim couldn't be removed, and that it was just a credit alert, and that it was just up to the lender whether they pay attention to it or not.
I had told this mortgage company exactly what had happened in the past, they ran my credit, and there was no indication that there was going to be a problem. I had applied for the new loan here recently, March 2008, and the chapter 7 Bankruptcy had discharged in December 2003. I looked on the State/county auditor's website and noticed that the property I had defaulted on had changed title to HUD in 2003, and then into someone else's name in April 2005.
I have since reapplied with another mortgage broker, who says he doesn't see a problem, though I'm a bit concerned that I am going to have to pay all the costs all over again for nothing. The appraisal I got originally is not an approved person for the broker I am using now, so I'm having to pay another 300.00.
What kind of stumbling block was hit with the original mortgage company, and how can I think that this new company, using a broker, can give me a better chance of financing this loan? I've been told that I can't go FHA because of the CAIVRS, but the issue is well over three years, unless they're basing their decision on some other date that I can't see, like a mortgage insurance claim, or something like that.
I'm a bit confused, and could use your help, advice, or attention, and an explanation, if you could please!
Thank you,
Answer: (updated 2012)
First, you need to understand that a CAIVRS report is
only pulled on an FHA or VA loan pulled on almost all loans now depending on the lender. You always need a clear CAIVRS to get an FHA loan, VA loan, or a USDA loan. I don't know of any lenders that will grant a loan if they know CAIVRS is not clear. A CAIVRS should have been checked up front to save you the expense and time delay. The bank should have known this.
If you were not applying for an FHA loan the bank should not have pulled a CAIVRS at all unless they are running scared because of the industry issues. Banks are really getting paranoid and have always been cookie cutter conservative.
A reputable Broker is always the best place to get a mortgage. It is the only thing they do and they usually have 40 to 60 lenders to send your loan to and they shop the interest rates for you. A good Broker will always try to place you in the best product at the lowest rate available.
Banks specialize in checking, savings, credit cards, and small loans. Their Mortgage Department, in most banks, cherry pick the loans they want to do. I know Brokers are getting a bad rap right now but that is because the large lenders are not willing to take the heat for funding loans that didn't qualify or for lowering the standards so far that people defaulted. Trust me, the independant broker doesn't set the standards. They have to operate by them or they can't get their loan funded.
Sorry I got a little off topic but I just hate seeing people get jacked around.
Based on the discharge date, you should qualify for conventional financing if you have re-established credit and no lates since the bankruptcy. Seems to me the bank should have switched it to conventional.
This is based on the information you provided. Naturally you would still have to qualify based on other factors such as income, DTI, and down payment.
Best of Luck,
(added 2012)
Monday, March 17, 2008
Underwriting Denial Because of CAIVRS Report
I Received this email from Mike early this morning.
50 comments:
Why do they do that, "jack people around". Don't they know their stuff. Maybe their employees are not trained, ...?? My last experience was a nightmare and we just couldn't understand why.ReplyDelete
Love your blog, you need to post more often.
Have you been denied a mortgage due to a foreclosed home years after it was discharged in a bankruptcy? Join my group because we need to sue HUD and their CAIVRS system to get our names off this list: https://www.facebook.com/PetitionClassactionAgainstHUDCAIVRSDelete
- AnonymousMarch 17, 2008 at 3:04 PM
I am a broker in Atlanta, Georgia. There is no reason for this client to be treated this way.ReplyDelete
Our policy is to check CAIVRS on FHA and Va mortgages when the process starts.
- AnonymousJanuary 14, 2014 at 4:13 PM
Well CREFCO doesn't check it. I have been working with them for 3 1/2 months and just found out yesterday after it went to the USDA that I have a CAIVRS alert. I have wasted 3 1/2 months and $500 for an appraisail.Delete
The same thing is happening to me. I co-signed an FHA Loan that was foreclosed upon in Nov 2004. I provided the credit report and court documents stating this date to a broker, who said it shouldn't be a problem. During the underwriters process, CAIVRS showed another date, which put me under the 3 year waiting period. I stand to lose $1,000 in earnest money and $700 in appraisal and inspection fees. Are people this careless and unprofessional? And who is responsible for correcting what CAIVRS report? I have proof that the CAIVRS system is wrong!ReplyDelete
- JohnnyBDecember 4, 2008 at 3:04 PM
If a person had a FHA mortgage in the past that was foreclosed upon, say 5 years + . Will they ever pass muster regarding underwriting a mortgage for them regardless of how well the rebuild their credit history?ReplyDelete
- AnonymousNovember 22, 2009 at 6:24 AM
This comment has been removed by a blog administrator.ReplyDelete
- Hollye PDecember 13, 2009 at 11:42 AM
My husband and I are in the middle of a CAVIRS nightmare. He was married before to a woman with bad credit. When they divorced, he jut gave her the house, but failed to get the proper paperwork clearing himself from the mortgage. That wasn't 3 years ago, and had recently had to have the divorce decree re-done to show that he was no longer responsible for the loan. She defaulted on the house, but it's coming up as a bad CAVIRS report in his name. We want to get a house now and are waiting on the word from HUD as to whether changing the divorce decree did the trick.ReplyDeleteReplies
It is your husband's fault for not getting his divorce completed correctly.Delete
I had a foreclosure in Nov., 2006. I have applied for and been approved for a new mortgage from a new mortgage company. Because it is an FHA insured type of mortgage, a CAIVRS was run when the loan was put through to FHA. Somewhere along the way, paperwork must have gotten lost in the shuffle, because I found out today that the claim to cover the mortgage (Insurance) wasn't filed or paid until January of 2009. I talked to FHA today and found out that it doesn't matter when the foreclosure happened. What matters is the date that the FHA insurance claim was filed by the bank and when the claim was paid. Because it took over 2 yrs from the time of the foreclosure until the time the claim was paid, I am not eligible for another FHA insured mortgage until 2012. This means I will have to wait almost 6 years to get another mortgage. I am currently seeing if anything can be done,but it does not look promising. I cannot afford to go conventional because of the large downpayment required. To me this sounds really stupid. Oh well, so much for the government trying to help the little guy in a tough economy.ReplyDeleteReplies
- AnonymousJuly 2, 2012 at 3:35 PM
I am going throught this same situation right now.. Were you able to get this resolved? If so how..Please helpDelete
- AnonymousMay 9, 2013 at 4:27 PM
I am in a similar situation. Ended up in a short sale which closed in July 2010 but the FHA claim was not paid until January 2012. 18 months later which is no excuse in my opinion. If it is indeed up to the banks to file the claim, it does not surprise me since it was BoA. They are very incompetent. I feel your pain.Delete
- AnonymousJune 21, 2013 at 6:48 PM
Exact same situation...short sale in June, 2010 - BoA submitted claim in Sept, 2010 but HUD did not pay it until Nov, 2011...Delete
- AnonymousSeptember 20, 2013 at 2:12 PM
wow we just applied for a loan three years after foreclosure and were told everything looks good. We do not know when the house went up for auction, but the mortgage company is now giving us the silent treatmentDelete
- AnonymousOctober 17, 2013 at 3:15 AM
Unfortunately, I had the same thing happen. We were pre-approved for a VA loan, found a house, started escrow and the lender's underwriters ran CAIVRS at that time. We also paid $230.00 for a home inspection which we are out because the lender failed to check the CAIVRS site at the time the credit report was ran. It doesn't matter when the bankruptcy or foreclosure happened as they go by the date an insurance claim was made and it's three years from that date for an FHA or VA loan. It doesn't apply for conventional loans so that is up to the lender.Delete
- AnonymousJune 8, 2010 at 8:07 PM
I'm in the process of trying to purchase a home and today the Realator told me that I would need a Co-buyer because the underwriter won't accept my childsupport paymens as part of my income which are paid montly and I have a court order for them and will continue getting them for the next 10yrs.ReplyDelete
If you cannot document receipt of the payments the underwriter generally will not use them in your income. If he is paying through the courts you can get a court print out of all his past payments. That ususally works. Or, if he will provide copies of his cancelled checks.ReplyDelete
If he sends you the checks directly, in the future make a copy of the check, and when you deposit it into you account deposit only that check and keep your deposit slips. There must be a paper trail.
- AnonymousJune 23, 2010 at 11:52 AM
After being led around and told everything is great, 20 hours before my loan closing, I was told I'd been denided my mortgage loan. They said it was due to the date my home was taken out of my name and sold at public auction due to a chapter 13 filed in 2007. I was very open and told my originator from the very begining about this, the reason why, etc. I was told it was not a problem and kept going through the process. After all this, now they said I could close after the date it was sold at auction... I still have never recieved a turn down letter or anything in writing since the phone call from the originator. Isn't this against the fair lending law? Its now been 2 weeks, still nothing in writing about why I was turned down etc.. I'm being told the law states you have to be given a notice in writing. What should I do?ReplyDelete
Almost 7 years ago i went thru a terrible divorce. I had two properties my first was valued at 55K. The second one I sold for 209K and everyone was suppose to be paid off before settlement so i was told. My ex-wife's lawyer froze my rental property preventing me from selling same till the last three days before foreclosure(slick move) As I tried to sell same the buyer waited till forclosure to purchase the property. I sold my main residence and for 6 years had no credit card and tried to keep my credit in a redeamable state. Now I found that creditors that were paid off were still reporting negative reports. That was straighten out one cell phone company still showed for $800.00 that was suppose to be paid off. Here is the big thing there were two forclosures showing on my account I found out that the house i sold was showing as a foreclosure we straighten that out and the derrogatory info on my credit was solved shooting my score to a 699 698 702 with the rental foreclosure due to fall off on april of 11. I provided all information and documentation including child support reduction( I won custody) and credit restructure. plus i am a veteran What are my chances they put my account in a suspension status until all paper work requested is in. All paperwork has been sent. Do I have a chance or no because this process is like pulling teeth. Very painful and stressful. Are the underwriters jerking me off or do you think they are helping me out. I just need to know
- AnonymousJuly 14, 2010 at 2:42 PM
Am trying to close a reverse that will clear the default CAVIRS. Reverse bank will not close with a cavirs default reported. Wells Fargo is no help trying to lift the reporting (other than they would be happy to steal my deal and then they would lift the cavirs)...Any suggestions? somebody in underwriting at Bank should know what to do - but they don't seem to want to. Meanwhile a little old lady is faced with losing her home...ReplyDelete
Go here for procedure: http://www.fhaoutreach.gov/FHAHandbook/prod/infomap.asp?address=4155-1.4.A.8.fReplyDelete
In addition you might want to contact you local FHA Home Ownership center...
Good Luck,
- AnonymousJuly 20, 2013 at 8:04 AM
FHA jerks uou around too. I tried them and they said that it takes three years and 45 days for CAIVRS report to clear. Even then, you have to call them and make sure it was.Delete
I have been told that a real estate agent cannot work with a buyer or seller that is using an FHA or VA loan, if the real estate agent is on the CAIVERS list. Is this true?ReplyDelete
- AnonymousSeptember 22, 2010 at 6:36 PM
My husband and I were in the closing process of our home we were pre approved months ago and given the go ahead to look for a home.ReplyDelete
well after paying earnest, apprisal, and inspection cost, the under writter told us we would have to pay child support arrears. Now my husband has always paid his his support, but several years ago he fell and tore his rotaters culf, and was off a while but when he went back to work they continue to take out of his check but now it is in arrears. Im not angry bout the support issue, but why didnt the bank tell us this before we paid all this money up front, we could have been paying that on the arrears and been done. what ca n we do to get back our money from these people.
A mortgage is a loan which is secured against your home. A mortgage is a method of using property (real or personal).ReplyDelete
- AnonymousNovember 29, 2010 at 11:16 PM
I am reported on the Caivrs database for a student loan that is not and was not mine. As I've told my story to others, I'm shocked at the number of people who also say there is inaccurate info on them in the Caivrs, much of which is IRS. Sure seems like the govt may offer higher than private sector 6 figure jobs, but most agencies certainly have difficulty in doing their job without errors. Personally, I feel the govt ought to get out of the lives of citizens and if there are errors in ANY govt database, it should not be a nightmare to rectify. Talk about abuse of power...ReplyDelete
- AnonymousFebruary 8, 2011 at 2:09 PM
I had been searching constantly for the past week to find out if a previous delinquent student loan would show up on CAIVRS. Could not find a clear answer anywhere - all I saw was that if your loan was in default it needed to be made current. Nowhere did it say, as long as your loan is current you will not show up on CAIVRS. Maybe how it was worded was good enough, but for me it wasn't clear. Well I just got the green light that we did not show up on CAIVRS. So anyone who shows a delinquent payment on their credit report fret not if you've made the loan current since. Also FYI may last late payment was 1 year ago. I had read some postings online that I needed to not have any late payments for the last 2 years!!!!ReplyDelete
If you come up on CAIVERS there will be a claim number and a phone number to call. You should call them and find out what you need to do to get off their list.ReplyDelete
Many Lenders require a 36 month period after your claim has been resolved before they will consider your application.
It is a little more complicated than that but with most lenders even a high credit score will not override that time frame.Replies
I have found out that my name will taken off of the CAIVRS list September 10, 2013. Am I able to be preapproved for a mortgage loan and begin the process a little before September, since it will take a while to close anyway just due to normal underwriting delays, etc?Delete
I also have found information that it may take up to 45 days beyond the date that your name is due to come off of the Caivrs list, to actually show cleared, is this accurate information?
Should I not bid on a home, or begin the pre approval process prior to September 10, 2013?
Thank you.
- AnonymousFebruary 15, 2011 at 7:23 PM
OMG! I am a processor and a mortgage UW and I am disgusted!ReplyDelete
Contact an attorney that specializes in Real Estate. Anonymous you by all means have the right to know if you were approved or not.
Time limit about 2 wks but it is policy that they in writing let you know that you were not approved and a clear explanation as to why.
Your Loan Originator should have been very clear up front that it would be risky to obtain the loan. He should have (first and foremost)thought of the benefit to you... #1 importance of approving a loan is BENEFIT TO BORROWER!! If he was an honest and experienced Loan Officer then he would have been upfront and told you that you would never have been approved. Maybe even give you some idea of how you can resolve the issue so that you can eventually purchase/refinance whichever is applicable. So in short there are lenders out there that really do care about their customers. I know I do and it is too bad that this so called originators give a bad name to mortgage companies... especially good ones.
- AnonymousMarch 20, 2011 at 9:35 AM
We had been pre approved for a VA loan and had found a house and started the process, paid our $500 earnest money, $300 for an inspection. The loan went to the lender and CAIVRS reared it's ugly head. We filed for BK in Jan. 2008, discharged in Nov., 2008 and let the house go as part of it. Countrywide (now BAC) did not file a CAIVRS claim until Jan. 2010, so now they are telling us we have to wait until Jan.2013 to get our VA loan. Question: Is there a time limit for the lender to file a CAIVRS claim with HUD when a home is included in a BK? If there isn't, WHY NOT!!!??? I work in the HUD housing industry, and we are required by HUD to file any claims within 6 months for tenants that have moved out and caused damage. Isn't the mortgage industry regulated in this way? It sure should be!ReplyDeleteReplies
- AnonymousJuly 20, 2014 at 12:37 PM
We also had a VA loan all ready to go and they lender pulled a caivers at the end and the whole thing went under. Found out we can't get a VA loan until October 2015. This is bull. Rich people can do whatever they want and the commoners get the shaft. There isn't anything we can do either.Delete
- AnonymousOctober 11, 2011 at 10:09 PM
could someone please tell me who do i get in contact with to remove our caivrs report. we were cleared on sept 6 of this year. now we cant get it removed yet. who do i call or contact to get it off we cant move on with our loan till it is off the list.ReplyDeleteReplies
- AnonymousMay 13, 2013 at 10:44 AM
Hello Anonymous, I have a similar concern about my name being cleared off of a caivrs report this coming september. Did you end up getting your name removed from the list and obtaining a loan approval? How long did it take 45 days beyond Sept. 6th? I had been told that it takes an additional 45 days beyond the date that is given to you. Any information you can provide me with is greatly appreciated. Thank you.Delete
- AnonymousDecember 28, 2011 at 1:16 AM
I am like most of you. I first went to the Credit Union to get preapproved for a mortgage. I didn't want to waste any time or money if for some reason I could not qualify for a loan. I was preapproved, found a home, paid ernest money, appraisal fees, inspeciton fees, only to find out that caivers has my social security number belonging to someone else who purchased a home in another state and foreclosed on the property. So after that I could not get the loan. It was suppose to be cleared up 2 months ago and still isn't. I lost the home plus all the fees I paid out. So now I had to rent another place and I am working on trying to get this cleared up. And this foreclosure has never showed up on my credit report. I have never purchased a home much less foreclosed on one. VERY SAD that people can have this much control over a innocent persons life.ReplyDelete
Seems to me that a lender should check this during the pre-approval process and not wait till just before closing. Unfortunately I don't know of anywhere you can go on-line to check it yourself. Sucks.ReplyDelete
- AnonymousMarch 20, 2012 at 8:43 PM
I am in the process of refinancing home mortgage when the broker states caivrs report came back on my ss # stating I defaulted on some property I never had, This is clearly a mistake. Broker telling me that there must have been an incorrect ss# entered because the report does not have mu name. Now lender states I need proof, other than my ss card, showing SS # is actually my number. I have no passport or other means of proof. Where do I go or what do I do?ReplyDelete
The following link should help you and it has a link to the Caivrs page near the bottom.
- AnonymousJune 16, 2012 at 10:40 PM
Debtors filing for bankruptcy are allowed to keep certain assets.ReplyDelete
Chapter 7, also referred to as a straight bankruptcy, is just
a liquidation proceeding. There are many solutions on the internet that
can simplify the manner of filling bankruptcy without
having an lawyer.
Have a look at my blog post : central FL bankruptcy
- AnonymousDecember 27, 2012 at 4:13 PM
I was supposed to close on my house December the 21st and on December 21st found out my name was on the caivers.... I had packed got movers and bought appliances for my new home, the lender did not check until the last minute I don't know what to do I need to be out of my apartment by the 30th of December.... this practice of how some Lenders treat clients is so unprofessional....I understand the caivers and the process. I had a short sale November 2009... I was told 45 days from the date the loan was paid off my name should fall off the Caivers but in the process I might lose the house I want.ReplyDelete
- AnonymousFebruary 25, 2013 at 6:45 PM
I had did a shortsale June 2009, had lost my job in Maryland due to layoffs. So, I found a job in Michigan 536 miles away from the home. Rented out until the lady lost her job, it was just to much to hang onto. Did a short sale. So, I waited my 3 years to find out that the government did not pay off the loan till July 2010. The 3 year clock start then. Two days before closing they ran a caivrs report to till me they could not do anything until it was cleared.ReplyDelete
- AnonymousMay 14, 2013 at 5:17 PM
I myself had an FHA short sale back in 2011 and now I'm trying to do a VA loan on a home we are building and we ran into this CAIVRS list. My lender at the time basically told me the VA wants the CAIVRS cleared, or I could wait another 14 months for it to fall off, or switch to a Conventional Loan and put 20% down to get a loan 2 years after a short sale. Well none of those were good options for me so I began looking online.ReplyDelete
After doing a lot of research for this myself and I wanted to pass along what I discovered. First off, FHA/HUD will not remove a person from the CAIVRS list before the 3 year 1 day waiting period unless the person was put on their incorrectly or they qualify for one of three exceptions (bankruptcy over 2 years ago, divorce where mortgage was assumed by spouse before short sale, and death of a spouse I believe). In my situation I was trying to do a VA loan at the 2 year mark (which was what I had found was the standard wait time for VA after a short sale) and I ran into the CAIVRS road block. Our lender told us originally that the VA will not guarantee a loan if a customer is on the CAIVRS list and it has to be clear, which as I explained above is not going to happen.
The good news is I did a TON of digging and calling and here is what I found: By calling my local VA regional loan center (St. Paul, MN 1-800-827-0611 option 3) I found that the VA really doesn't follow the 2 year mark anymore. That was an older rule that they followed with the housing market collaspsed. But as they told me, most short sales were done not out of financial hardship but more because people can't get their homes appraised for what they owe. So they told me that as soon as 6 months after a short sale you can get approved if you have good credit.
Now the trick is, what about CAIVRS? Well I was told they follow two specifc exceptions to guaranteeing a loan even if you are on CAIVRS. The first is if you have an established payment plan in place. The second would be if you could prove you do not owe the federal goverment a debt. Below is the link verbiage the VA sent me:
Please open up this link below and go to page 4-36&4-37(34 out of 65 in Microsoft word) and you will see what I was able to locate. http://www.benefits.va.gov/warms/pam26_7.asp
- AnonymousMay 14, 2013 at 5:17 PM
(Cont) Of course the VA doesn't have any of these written anywhere so you either have to call them and verify or have a lender that has dealt with this before.ReplyDelete
Now in my case I took part in the Pre Foreclosure Sale to do my Short Sale and was able to successfully close on my home within a few months. This was key because the Pre Foreclosure Sale Program specifically says that a "mortgagor (myself) that successfully sells their home under this program is relieved of their mortgage obligation." Check out the HUD mortgagee letter 2008-43 (page 15, section P, first sentence) to verify what I submitted to my loan officer. Just do a google search and you'll find it.
So with that along with the Approval to participate in the Pre Foreclosure Program letter I received, I was able to prove to my lender that I no longer owed the federal government a debt which is what the VA says they need in case they ever audit the lender's files. That's big too because the lender submits a bunch of loan approvals and it is only if they audit them that this would come up and then the Lender would need documentation of why they approved this loan. Because Lenders are so worried about mortgages not being insured/guaranteed, they will overscutinize a loan.
To take this another step further, I even called HUD myself (which thankfully I found a good number) at the HUD National Servicing Center (1-877-622-8525, option 1) and was able to give them my name and FHA case # and they flat out told me that HUD nor my bank would come after me for any deficiencies. The people I spoke to basically say they mainly go after those who walked away from their property or had multiple foreclosures in the past (go to http://www.hud.gov and then do a search for judgements and you'll find stuff on this). I also emailed firstname.lastname@example.com and asked them if I owe a debt and their response was " No, there should be no deficiency that HUD would require you to repay for a claim paid on a single family mortgage preforeclosure sale."
I hope this helps those of you out there that are in my type of situation and run into this problem. CAIVRS is going to become more and more popular since those of us with a short sale are now looking at buying again and about half of the lenders I called even knew it existed. But keep in mind, this isn't on your Credit Report and CAIVRS is only ran during underwriting so if you have a short sale I would advise your lender to run that CAIVRS report right away because it will save you some time and headaches! My lender knew about this and was able to manually approve our loan and so we are moving into our new house in September! Good luck everyone!Replies
- AnonymousJune 6, 2013 at 10:10 PM
Great information, who was your lender?Delete
Yea, please tell us who your lender was that was willing to work with you through the CAIVRS issue.ReplyDelete
I ran into the frustration of getting a clear caivrs report even though it has past my 3 years from the claim date. I found a contact that I got from HUD that got it resolve within hours of contact the technician . He had to go in and manually and remove it. The email is email@example.com
- AnonymousDecember 11, 2013 at 9:27 AM
How can a CAIVRS report get registered against us after we were discharged in chapter 7? Our responsibility was judicially closed, and the house was surrendered in bankruptcy. Discharge was March 2011, yet sheriff sale wasn't until August 2013. How can we still be "penalized" by CAIVRS when our responsibility ended over two years beforehand? I am really frustrated.ReplyDeleteReplies
The reason you were "penalized" is that HUD had to pay a claim on your home, even though your responsibility was discharge in the bankruptcy. So when you apply for another government loan, they are looking to see if any claims were paid in the previous 3 years, which is their timeline for allowing you to get another government loan. It has nothing to do with whether you were still responsible for the mortgage or not, it has to do with a government claim being paid on the loan which went into foreclosure. Unfortunately since most sheriff sales are delayed to make sure the homeowner has sufficient time to "redeem" the property, this means that the claim payment is also delayed. So even though your bankruptcy was discharged in March of 2011, since the sheriff sale wasn't until August of 2013, most likely it's still going to be a while before the claim hits the 3 year mark.Delete
Thank you for sharing valuable information. Nice post. I enjoyed reading this post. The whole blog is very nice found some good stuff and good information here Thanks..Also visit my page. Mortgages in florida As a premier Florida mortgage lender, Federated Mortgage Services can match you with the best Florida mortgage financing programs from hundreds of lenders.ReplyDelete
Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2014 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact MR MARK.He doesn't know that am doing this but am so happy now and i decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more.You can contact him through his email via;ReplyDelete
Blog Archive
- ► 2010 (20)
- ▼ 2008 (53)