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Fountain Wedding Cakes
Unique Wedding Cakes with Fountains
On your wedding day, you want everything to be not only special and perfect, but unique to your own sense of style and beauty. Coming up with a one-of-a-kind wedding cake design can be time consuming and pricey. To ensure that your cake is perfect for your day, why not try a fountain cake?
Adding a water fountain to your cake design provides many benefits:
It's unique. Though beautiful, fountain cakes are still uncommon. Guests will remember your reception as the one with the fantastic fountain cake.
It adds an elaborate touch to a small cake. If you want to jazz up your cake but don't want (or can't afford) a huge or highly decorated cake, placing small cakes on a fountain setting adds the pizzazz you're looking for.
It doesn't add much to the cost. Since the fountain itself is not expensive to use, it's definitely an economical way to enhance the presentation of the cake.
It's dramatic. Fountain cakes incorporate the use of water, either clear or colored. The fountain and various waterfall set-ups provide an interesting, peaceful sound that adds to the experience. In addition, lights or candles can be strategically placed to add yet another sensory layer to the entire presentation. Everyone loves water: the sound and sight of moving water provides texture to the presentation.
A spin on the fountain idea is having a chocolate fountain as part of the structure of the cake. Now you've added not only visual interest, but a taste treat as well. With this type of cake, you have a fountain that pours chocolate into a receptacle, usually placed under the cake stand. Various "dippers," such as fruits, marshmallows, pretzels, and the cake itself, are offered alongside the cake. Imagine the fun your guests will have creating their own customized dessert plate. Obviously, the chocolate fountain adds a bit more to the cost, but is still more economical than an elaborate wedding cake. Not to mention the interest and fun it will add to your reception.
Remember, your wedding day should showcase your personality and creativity. Find a baker or pastry chef who is willing to work with you to highlight your originality. Incorporate a fountain, either using water and lights or chocolate, to your wedding cake, and you'll have an experience you and your guests will remember forever.


text: We are privileged to represent nearly 200 of the best audio-visual brands in the industry. Why does this matter to you? It matters because it means that our toolbox is large. We don't just sell what's on our shelf like many of our competitors. We can recommend a variety of quality products to fit your specific needs. And since we are direct with over 90% of the brands we represent, we can provide you with the best possible pricing to help meet your budget. In fact, our pricing is usually better than that of mega-chain and online stores.

subset: commoncrawl


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Sunday's Monaco Grand Prix produced the most nail-biting race of the season to date. Williams became the fourth constructor this year to win a race, Kimi Raikkonen retained his lead in the drivers' championship and Ferrari had to concede defeat to their two biggest rivals.
However, drawing conclusions from the Monaco race is never easy. The Monte Carlo circuit is so unique and imposes so many different parameters on teams, that comparisons with other races are all but pointless. Plus, of course, overtaking is close to impossible. Nevertheless, Sunday's race did provide some pointers towards the teams' varying fortunes.
It is tempting to think that Michael Schumacher and Ferrari were blown away by Juan Pablo Montoya and Williams, and Kimi Raikkonen and McLaren. However, we should remember that Schumacher finished only 1.118s behind Raikkonen and 1.720s behind Montoya, and that he had at times been as much as 14 seconds in arrears.
What spoiled the world champion's race was getting trapped behind Jarno Trulli's Renault at the start. Ferrari's decision to run a long first stint meant that, with a heavier fuel load than its rivals, the F2003-GA could not get off the start line as quickly.
Then there was the tyre issue. Michelin ruled the roost in qualifying, with the top five places, but again, Schumacher in sixth place was on the heavier fuel load. However, the champion made it clear after the race that he was not satisfied with the performance of his Bridgestone tyres, so rubber was definitely a factor. How much of a factor is impossible to say, and probably even the teams could not answer that with complete accuracy.
Does Williams' first Monegasque victory since 1983 mean that it has taken a step forward? That answer is a probable yes, and it would appear that the recent presence of aerodynamicists Dr John Davis and Frank Dernie at races has helped the team to find the best set-up for the FW25. In both Austria and Monaco, dramatic set-up changes between first and second qualifying reaped huge dividends. What is for certain is that Williams desperately needed that victory, just as Kimi Raikkonen and McLaren needed such a strong second place to stem Schumacher's challenge.
Renault didn't quite have enough in Monte Carlo to fight for the lead, as some had anticipated, but it says everything for the bullet-proof reliability of the modern Formula One car that the top four teams finished all of their cars in the top eight places. There were slim pickings for anyone else.
BAR should have challenged for points, given Jenson Button's early form, but lost momentum after his accident on Saturday, and Toyota initially struggled to get its car working in the Principality, as did Sauber. For Jaguar the race was a huge disappointment, with early retirements for Mark Webber and Antonio Pizzonia.
The fact is that the race at the front in Monaco largely overshadowed everyone else. While it was a testimony to the talent of the drivers involved, it was also worrying confirmation that the other teams still have a long way to go to catch the top four.


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The activity: Consider the advantages and disadvantages of a reverse mortgage.
The trek: Improve cash flow and use net worth to supplement income.
The terrain: Prosperity Quadrant IV (negative cash flow; positive net worth).
This activity suitable for: Families exploring options for cash to reduce debt.
Difficulty rating: Moderate
What is a Reverse Mortgage?
From the AARP website "A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her home into cash."
A reverse mortgage is a type of mortgage in which a homeowner can borrow money against the value of his or her home.
A reverse mortgage is an interest-bearing loan secured by the equity in your home.
To be eligible, you and any other co-borrowers, such as your spouse, must own your home and be 62 or older – although some lenders offer reverse mortgages to individuals as young as age 60.
No repayment of the mortgage (principal or interest) is required until the borrower dies or the home is sold. After accounting for the initial mortgage amount, the rate at which interest accrues, the length of the loan and rate of home price appreciation, the transaction is structured so that the loan amount will not exceed the value of the home over the life of the loan.
Often, the lender will require that there can be no other liens against the home. Any existing liens must be paid off with the proceeds of the reverse mortgage.
A reverse mortgage provides income that people can tap into for their retirement.
Caveat: This activity is considered to be a strategy of last resort for finding cash to meet debt and spending obligations.
Getting Equity From a Home: Three Options
Homeowners who want to tap the equity in their homes typically have three options.
- They can sell their spending-how-to/housing-costs-how-to/"target="_self"title="Housing side trips – selling a home, buying and maintaining a house" >house and downsize
- They can take out a home equity loan
- They can consider a reverse mortgage.
Like a home equity loan, a reverse mortgage allows you to convert your home equity to cash that you can use for any purpose. Unlike other home loans, however, homeowners make no interest or principal payments during the life of loan. The interest is added to the principal, which is why reverse mortgages are often called "rising debt" loans. Unless you opt for a fixed-term loan, the loan only becomes due when you die, sell your home to move or otherwise leave your home for more than 12 months—for instance, if a health issue requires you to enter a nursing home.
The Advantages of a Reverse Mortgage
The advantage of a reverse mortgage is that the borrower's credit is not relevant, and is often unchecked, because the borrower does not need to make any payments. Because the home serves as collateral, it must be sold in order to repay the mortgage when the borrower dies (in some cases, the heirs have the option of repaying the mortgage without selling the home).
The reverse mortgage loan is a mortgage against your house which is paid by a lump sum, monthly payments, or a line of credit – usually some combination of these three.
Your qualification for the loan is not dependent on your income or credit rating.
The reverse mortgage does not have to be repaid until you die or move out and you get to remain in your home (keeping the title). The lender cannot come after your other assets such as other properties or investments, the loan only applies to the house.
The Disadvantages of a Reverse Mortgage
These types of mortgages have large origination costs relative to other types of mortgages. These costs become part of the initial loan balance and accrue interest.
These reverse mortgage loans often have very high fees and interest continues to be added over the life of the loan until it is repaid or you die and your estate has to reconcile the debt against your home.From consumerlaw.org "Reverse mortgages are high-cost loans. Origination fees and insurance premiums typically eat up $25,000 or more of the total proceeds of a common reverse mortgage on a $250,000 house….Interest charges, which pile up over the life of the loan get added on top of that."
Senior citizen borrowers with good credit should carefully analyze the options of a more traditional mortgage, such as a home equity loan, against a reverse mortgage.
If you take out a reverse mortgage and then later on decide to move you could be left with less cash than if you had simply sold the home in the first place without acquiring a reverse mortgage.
Also, it's true that a reverse mortgage allows you to pass the home on to your heirs – but keep in mind that the price tag of the mortgage will still be attached to it. If your heirs wish to keep your home they will need to have enough assets to cover the debt, perhaps leaving your heirs with the likely choice of renting out the home or selling it altogether.
Reverse mortgages are quite expensive. Like traditional mortgages and home equity loans, you will be charged interest, but interest rates for reverse mortgages are generally higher than these other types of loans. In addition, the fees and costs associated with reverse mortgages are often significantly higher, too – sometimes as high as 4-8 percent of the total loan amount. You can usually have these costs deducted from the loan amount, instead of paying for them out of pocket, but either way, you may end up with less cash than you expected.
Also, be aware that reverse mortgages must be the primary mortgage on your home, so if you have another mortgage already, you will have to borrow enough to pay that off, too. That may also reduce the amount of cash left for you to use.
You are still the owner of your home and therefore responsible for property taxes, insurance and home maintenance costs. If you are not able to meet these obligations, the lender may have the right to foreclose on your home, leaving you in the worst possible situation—no place to live, and no more home equity to draw on.
Even if you can keep up these payments, you may get to the point that you want or need to move into a smaller home, or into an assisted living facility, for reasons other than cost. At that point, your loan will come due. With compounded interest due, you may be surprised to find out how much you owe, which may restrict your future housing choices.
Using Your Reverse Mortgage Loan Wisely
Tapping into your home equity in your retirement years through a reverse mortgage is a very serious decision. For many borrowers, choosing a reverse mortgage is a last resort way to secure additional monthly income in retirement. Whether it is the right decision for you may ultimately depend on a number of factors – your health, your spouse's health, other sources of income, the reason you're tapping your home equity, when you do it and how wisely you use your loan proceeds. Unfortunately, some financial professionals who profit from selling reverse mortgages aggressively urge homeowners to obtain them even when they are not necessary – and to use the money to take dream vacations, buy a second home or invest in risky or illiquid investments. In some cases, those who sell the mortgages may also profit from the sale of the touted investment, giving them twice the incentive to talk you into a loan you may not need.
When you obtain a reverse mortgage, you normally have several options for receiving the funds. You can take a lump sum payment, set up a line of credit that you can draw on as needed or set up regular periodic payments. Depending on your lender, you may also be able to set up a combination of these options. For example, you may decide to receive a portion of the loan amount in monthly payments, and leave the remainder as a line of credit that you can use for unexpected expenses.
Whichever you choose, make sure you use your loan wisely. Just because you don't have to pay back it back as long as you live in your home doesn't mean you should treat it as "mad money." Reverse mortgages were originally designed as a tool for allowing aging, low-income homeowners to keep their homes by providing a source of additional monthly income to meet expenses. Now, as lenders are realizing that more and more Americans are retiring and sitting on large pools of home equity, they are beginning to aggressively market reverse mortgages to younger retirees as a way to finance a more extravagant retirement lifestyle than they could otherwise afford. The trouble is, those same homeowners may need their home equity some day for something far more pressing than a vacation, only to find that it has already been spent.
Don't take out a reverse mortgage to buy other financial investments. The fees and interest of the reverse mortgage will likely surpass any profit you may earn from investing. If you are approached by a financial professional to do a reverse mortgage in order to fund a particular investment, keep in mind that all investments carry risk and costs—and the higher the promised return, the higher the risk. It's best to steer clear of investments that are risky or underdiversifed—as well as those that make it expensive, if not impossible, for you to access your money if unexpected expenses arise.
Tips When Considering Reverse Mortgages
Weigh All Your Options: Whether you need money to pay bills, or just want some extra cash, a reverse mortgage should ideally be a last, not a first, resort. Does it make more sense to sell your house—and either downsize or rent while carefully investing the sale proceeds? Take out a home equity loan or line of credit? Can you consolidate credit card debts? Even if you are having trouble paying for your taxes or for home maintenance, there may be local government assistance programs that can help. Whatever your situation, ask your state agency on aging about less risky, or lower cost, ways to address your needs.
Understand the Risks, Costs and Fees: Just because you won't be making any interest payments as long as you live in your home doesn't mean the interest rate doesn't matter. If you do decide to move, for whatever reason, you will have to pay back the loan plus compounded interest. The same is true if you have to leave your home, for whatever reason, for more than 12 months. Be sure to ask about all costs and fees, including any prepayment penalties.
Recognize the Full Impact of Your Decision: While you typically do not have to pay taxes on the proceeds of a reverse mortgage, the income or lump sum you receive could impact your eligibility—or your spouse's eligibility—for various state and federal benefits, including Medicaid. In addition, depending on the laws of your state, a reverse mortgage may not enjoy the same home-equity protection that would otherwise apply if you have a health emergency and need to enter a nursing home – and your spouse must liquidate assets to pay for that care. Finally, a reverse mortgage is generally not the right choice for those who want to leave their homes to their heirs.
Get Independent Advice: Reverse mortgages are such complicated transactions that the federal government requires borrowers to meet with HUD-approved counselors before obtaining a federally guaranteed loan. (Most loans are federally guaranteed, but increasingly lenders are offering proprietary loans that are not.) Make sure that any counselor recommended by your lender is truly independent by asking whether he or she receives any funding from the lender or the mortgage industry. Even if you are applying for a loan that is not federally guaranteed, it is a good idea to get advice from a trusted financial adviser who has no interest in either the mortgage or any investment you plan to make with the proceeds. In any event, before you agree to a reverse mortgage, be sure to consult with legal and tax professionals who know the consequences of reverse mortgages for residents of your state and who are not connected in any other way to the transaction or the lender.
Seniors obtaining federally insured reverse mortgages are required to undergo a counseling session from a HUD-approved non-profit counseling agency. Every owner on the title to the property must receive this counseling. Non-federally insured lenders generally require this counseling as well (and it's the law in California). The purpose of the counseling is to ensure you understand the complexities and consequences of these loans and your options. Lenders are not supposed to collect any fees or start processing the loan until you have completed this session, obtained your Certificate of Borrower Counseling, and presented this to them.
In April of 2008 the Department of Housing and Urban Development (HUD) issued new rules that allow borrowers to be charged for the counseling session. This was previously not allowed. The counseling fee should be reasonable for the service provided and not exceed $125. Further, the counseling fee can be paid directly by the consumer (or related parties), by the lender, or paid out of the loan proceeds.
Approved counseling agencies may be found at http://www.hud.gov/offices/hsg/sfh/hecm/hecmlist.cfm or by calling HUD's interactive referral line at 800-569-4287. Lenders are not supposed to steer you to a particular counseling agency.
Be Skeptical of Reverse Mortgages as Part of an Investment Strategy: If someone urges you to obtain a reverse mortgage to make an investment or purchase an insurance product or a security, such as a deferred annuity, be very skeptical, particularly if they are promising high returns. In essence, they are encouraging you to speculate with your home equity, which you may need for more critical purposes down the road. Also consider what will happen if the returns turn out to be less than promised, or worse, you lose the principal. If you cannot sustain that kind of low return or loss, you should probably not be making the investment with your home equity.
Ask the Right Questions About the Proposed Investment Strategy: Reverse mortgages are an extremely costly way to fund an investment. Before you obtain a reverse mortgage for investment purposes, make sure you understand both the terms of the loan and the terms of the investment. What fees must you pay, directly or indirectly, for the reverse mortgage? What are the costs and fees associated with buying the investment? With selling it? How easy will it be to get your money out if you need it suddenly? Does the investment have a long surrender or lock-up period? What is the potential downside? Is it marketed and sold by the same person or entity that is offering the reverse mortgage? How is the reverse mortgage broker compensated? How is the seller of the investment compensated?
Your Home Equity May Be Your Most Valuable Asset
Home equity is often a homeowner's most valuable asset, and most precious source of retirement security. Reverse mortgages can be a useful tool for certain older Americans who might otherwise face losing their homes. But for anyone else, they are an expensive option that may prematurely deplete your home equity. Homeowners should consider all the risks and explore all of their options before taking out a reverse mortgage, and even then, should use the loan funds wisely.
How Reverse Mortgages Work
A reverse mortgage is still a loan; however, the lender pays you — in a lump sum, a monthly advance, a line of credit, or a combination of all three — while you continue to live in your home. To qualify for a reverse mortgage, you must own your home. The homeowner is not required to pay back any of the loan advances or interest until the loan term is over. Generally, no repayment is due until the borrower no longer occupies the house. The amount you are eligible to borrow generally is based on your age, the equity in your home, and the interest rate the lender is charging. Funds you receive from a reverse mortgage may be used for any purpose.
With a reverse mortgage, you retain title to your home. You are responsible for maintaining your home and paying all real estate taxes. Depending on the plan you select, your reverse mortgage becomes due with interest when you move, sell your home, reach the end of a pre-selected loan period, or die. When you die, the lender does not take title to your home, but your heirs must pay off the loan.
Facts to Consider
Reverse mortgages are rising-debt loans. The interest is added to the principal loan balance each month, because it is not paid on a current basis. The amount you owe increases over time as the interest compounds. Some reverse mortgages have fixed-rate interest; others have adjustable rates that can change over the lifetime of the loan.
Reverse mortgages use up some or all the equity in your home, leaving fewer assets for you and your heirs.
There are three types of reverse mortgages — Federal Housing Administration (FHA)-insured, lender-insured, and uninsured — and these vary according to their costs and terms. Check the features of each to select the type that is best-suited for your needs. FHA-insured products are known by the name of "Home Equity Conversion Mortgage" (HECM). Before considering any reverse mortgage, consult with family members, your attorney, or financial advisor.
Reverse mortgages typically charge loan-origination fees and closing costs. Insured plans charge insurance premiums, while some plans have mortgage servicing fees. You may be able to finance these costs if you want to avoid paying them in cash. But, if you finance the costs, they will be added to your loan amount and you will pay interest on them.
Your legal obligation to repay the loan is limited by the value of your home at the time the loan is repaid. This could include any appreciation in the value of your home after your loan begins.
There are various reverse mortgage plans offered today. Consult your attorney or financial advisor about the tax consequences of the particular plan you are considering.
Reverse Mortgage Safeguards
The federal Truth in Lending Act (TILA) is one of the best protections you have with a reverse mortgage. TILA requires lenders to disclose the costs and terms of reverse mortgages. This includes the Annual Percentage Rate (APR) and payment terms. If you choose a credit line as your loan advance, lenders also must tell you about charges related to opening and using your credit account.
Before signing any contracts for a reverse mortgage, be sure to check on the reliability of the company with the BBB at http://www.bbb.org/. The BBB also provides complaint and dispute resolution assistance for consumers to seek recourse and achieve a fair settlement if they have been treated unfairly in the lending process.
You should also be aware that California law requires that you be given a translation of your contract, and every term in it, before you sign it, if the business negotiated with you primarily in Spanish, Chinese, Tagalog, Vietnamese, or Korean.
Using a Reverse Mortgage to Prevent Foreclosure
If you are facing foreclosure or bankruptcy, a reverse mortgage may be an option to enable you to stay in your home. Contact a local HUD-approved counseling agency to discuss all your options. Be prepared to discuss recent correspondence from your lender and any other information relevant to your situation. Again, you should also consult with family members, your attorney, or financial advisor.
The Three Types of Reverse Mortgages
There are three types of reverse mortgages:
- single-purpose reverse mortgages, offered by some state and local government agencies and nonprofit organizations
- federally-insured reverse mortgages, known as Home Equity Conversion Mortgages (HECMs) and backed by the U. S. Department of Housing and Urban Development (HUD)
- proprietary reverse mortgages, private loans that are backed by the companies that develop them
Single-purpose reverse mortgages are the least expensive option. They are not available everywhere and can be used for only one purpose, which is specified by the government or nonprofit lender. For example, the lender might say the loan may be used only to pay for home repairs, improvements, or property taxes. Most homeowners with low or moderate income can qualify for these loans.
HECMs and proprietary reverse mortgages may be more expensive than traditional home loans, and the upfront costs can be high. That's important to consider, especially if you plan to stay in your home for just a short time or borrow a small amount. HECM loans are widely available, have no income or medical requirements, and can be used for any purpose.
Before applying for a HECM, you must meet with a counselor from an independent government-approved housing counseling agency. Some lenders offering proprietary reverse mortgages also require counseling. The counselor is required to explain the loan's costs and financial implications, and possible alternatives to a HECM, like government and nonprofit programs or a single-purpose or proprietary reverse mortgage. The counselor also should be able to help you compare the costs of different types of reverse mortgages and tell you how different payment options, fees, and other costs affect the total cost of the loan over time. To find a counselor, visit www.hud.gov/offices/hsg/sfh/hecm/hecmlist.cfm or call 1-800-569-4287. Most counseling agencies charge around $125 for their services. The fee can be paid from the loan proceeds, but you cannot be turned away if you can't afford the fee.
How much you can borrow with a HECM or proprietary reverse mortgage depends on several factors, including your age, the type of reverse mortgage you select, the appraised value of your home, and current interest rates. In general, the older you are, the more equity you have in your home, and the less you owe on it, the more money you can get.
The HECM lets you choose among several payment options. You can select:
- a "term" option – fixed monthly cash advances for a specific time.
- a "tenure" option – fixed monthly cash advances for as long as you live in your home.
- a line of credit that lets you draw down the loan proceeds at any time in amounts you choose until you have used up the line of credit.
- a combination of monthly payments and a line of credit.
You can change your payment option any time for about $20.
HECMs generally provide bigger loan advances at a lower total cost compared with proprietary loans. But if you own a higher-valued home, you may get a bigger loan advance from a proprietary reverse mortgage. So if your home has a higher appraised value and you have a small mortgage, you may qualify for more funds.
Reverse Mortgage Loan Features
Reverse mortgage loan advances are not taxable, and generally don't affect your Social Security or Medicare benefits. You retain the title to your home, and you don't have to make monthly repayments. The loan must be repaid when the last surviving borrower dies, sells the home, or no longer lives in the home as a principal residence.
In the HECM program, a borrower can live in a nursing home or other medical facility for up to 12 consecutive months before the loan must be repaid.
If you're considering a reverse mortgage, be aware that:
- Lenders generally charge an origination fee, a mortgage insurance premium (for federally-insured HECMs), and other closing costs for a reverse mortgage. Lenders also may charge servicing fees during the term of the mortgage. The lender sometimes sets these fees and costs, although origination fees for HECM reverse mortgages currently are dictated by law. Your upfront costs can be lowered if you borrow a smaller amount through a reverse mortgage product called a "HECM Saver."
- The amount you owe on a reverse mortgage grows over time. Interest is charged on the outstanding balance and added to the amount you owe each month. That means your total debt increases as the loan funds are advanced to you and interest on the loan accrues.
- Although some reverse mortgages have fixed rates, most have variable rates that are tied to a financial index: they are likely to change with market conditions.
- Reverse mortgages can use up all or some of the equity in your home, and leave fewer assets for you and your heirs. Most reverse mortgages have a "nonrecourse" clause, which prevents you or your estate from owing more than the value of your home when the loan becomes due and the home is sold. However, if you or your heirs want to retain ownership of the home, you usually must repay the loan in full – even if the loan balance is greater than the value of the home.
- Because you retain title to your home, you are responsible for property taxes, insurance, utilities, fuel, maintenance, and other expenses. If you don't pay property taxes, carry homeowner's insurance, or maintain the condition of your home, your loan may become due and payable.
- Interest on reverse mortgages is not deductible on income tax returns until the loan is paid off in part or whole.
How to Shop for a Reverse Mortgage
If you're considering a reverse mortgage, shop around. Compare your options and the terms various lenders offer. Learn as much as you can about reverse mortgages before you talk to a counselor or lender. That can help inform the questions you ask that could lead to a better deal.
- If you want to make a home repair or improvement – or you need help paying your property taxes – find out if you qualify for any low-cost single-purpose loans in your area. Area Agencies on Aging (AAAs) generally know about these programs. To find the nearest agency, visit www.eldercare.gov or call 1-800-677-1116. Ask about "loan or grant programs for home repairs or improvements," or "property tax deferral" or "property tax postponement" programs, and how to apply.
- All HECM lenders must follow HUD rules. And while the mortgage insurance premium is the same from lender to lender, most loan costs, including the origination fee, interest rate, closing costs, and servicing fees vary among lenders.
- If you live in a higher-valued home, you may be able to borrow more with a proprietary reverse mortgage, but the more you borrow, the higher your costs. The best way to see key differences between a HECM and a proprietary loan is to do a side-by-side comparison of costs and benefits. Many HECM counselors and lenders can give you this important information.
- No matter what type of reverse mortgage you're considering, understand all the conditions that could make the loan due and payable. Ask a counselor or lender to explain the Total Annual Loan Cost (TALC) rates: they show the projected annual average cost of a reverse mortgage, including all the itemized costs.
Be Wary of Sales Pitches
Some sellers may offer you goods or services, like home improvement services, and then suggest that a reverse mortgage would be an easy way to pay for them. If you decide you need what's being offered, shop around before deciding on any particular seller. Keep in mind that the total cost of the product or service is the price the seller quotes plus the costs – and fees – tied to getting the reverse mortgage.
Some who offer reverse mortgages may pressure you to buy other financial products, like an annuity or long term care insurance. Resist that pressure. You don't have to buy any products or services to get a reverse mortgage (except to maintain the adequate homeowners or hazard insurance that HUD and other lenders require). In fact, in some situations, it's illegal to require you to buy other products to get a reverse mortgage.
The bottom line: If you don't understand the cost or features of a reverse mortgage or any other product offered to you – or if there is pressure or urgency to complete the deal – walk away and take your business elsewhere. Consider seeking the advice of a family member, friend, or someone else you trust.
Your Right to Cancel
With most reverse mortgages, you have at least three business days after closing to cancel the deal for any reason, without penalty. To cancel, you must notify the lender in writing. Send your letter by certified mail, and ask for a return receipt. That will allow you to document what the lender received and when. Keep copies of your correspondence and any enclosures. After you cancel, the lender has 20 days to return any money you've paid up to then for the financing.
Reporting Possible Fraud
If you suspect that someone involved in the transaction may be violating the law, let the counselor, lender, or loan servicer know. Then, file a complaint with:
- the Federal Trade Commission (FTC). You can do that online at www.ftccomplaintassistant.gov or by phone at 1-877-FTC-HELP (1-877-382-4357).
- your state Attorney General's office or state banking regulatory agency.
Whether a reverse mortgage is right for you is a big question. Consider all your options. You may qualify for less costly alternatives. The following organizations have more information:
For more information about reverse mortgages, contact the Home Equity Information Center of the American Association of Retired Persons (AARP), 601 E Street, NW, Washington, DC 20049 or go to http://www.aarp.org/money/revmort/.
The National Reverse Mortgage Lenders Association (http://www.nrmla.org/) has developed a Code of Conduct and Best Practices for customer service and consumer protection. They can be contacted by phone at 1-866-264-4466.
If you're 62 or older – and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for healthcare expenses – you may be considering a reverse mortgage. It's a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.
The Federal Trade Commission (FTC), the nation's consumer protection agency, wants you to understand how reverse mortgages work, the types of reverse mortgages available, and how to get the best deal.
In a "regular" mortgage, you make monthly payments to the lender. In a "reverse" mortgage, you receive money from the lender, and generally don't have to pay it back for as long as you live in your home. The loan is repaid when you die, sell your home, or when your home is no longer your primary residence. The proceeds of a reverse mortgage generally are tax-free, and many reverse mortgages have no income restrictions.
Reverse Mortgage Education Project
AARP Foundation
601 E Street, NW
Washington, DC 20049
U. S. Department of Housing and Urban Development (HUD)
451 7th Street, SW
Washington, DC 20410
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
www.ftc.gov/bcp/menus/consumer/credit.shtm — Click on "Mortgages & Your Home"
Related Trek Side Trips
- College Loan and Financial Aid Basics
- Credit Counseling for Debt Relief
- Debt Consolidation and Debt Relief Options
- Homeownership: Your Mortgage and Other Financial Goals
- Mortgage Debt: How to Handle the Private Mortgage Insurance if You Don't Have the 20 Percent Down Payment
- Options for Getting Cash to Make Ends Meet
- Tapping into Your Home Equity – Home Equity and HELOC Loans
- Using Your Home to Fund Your Retirement
Trek Itinerary
Special Situations in Prosperity Quadrant IV- Special Situations: Begin Your Trek to Improve Income and Expenses and Protect Income and Assets
- Trek IV: Special Situations: Live Within Your Means: Introduction
- Special Situations: Income and Expenses: How to Reduce Spending
- Trek IV: Special Situations: Live Within Your Means: Spending Money Makes Us Happy
- Trek IV: Special Situations: Live Within Your Means: Create a Spending Plan
- Special Situations: Live Within Your Means: A Budget to Earn, Spend and Save
- Special Situations: Live Within Your Means: Reduce Food Costs
- Trek IV: Special Situations: Live Within Your Means: Spend Less on Dining
- Trek IV: Special Situations: Live Within Your Means: Auto Insurance
- Trek IV Special Situations: Reduce Home Energy Costs
- Special Situations: Live Within Your Means: Reduce Routine Purchase Costs
- Trek IV Special Situations: Increase Tax Exemptions
- Trek IV Special Situations: Reduce Car Ownsership Costs
- Special Situations: Live Within Your Means: Manage the Income Stream
- Trek IV Special Situations: Search For A Job
- Trek IV Special Situations: Do Career Networking
- Trek IV Special Situations: Automate Your Banking
- Trek IV Special Situations: Lower Home Energy Costs
- Trek IV Special Situations: Lower Transportation Costs
- Trek IV Special Situations: Add Value to Your Job
- Trek IV Special Situations: Lower More Home Energy Costs
- Special Situations: Live Within Your Means: Reduce College Education Costs
- Special Situations: Live Within Your Means: Cash From a 401(K) Loan
- Special Situations: Live Within Your Means: Cash From a Life Settlement
- Special Situations: Live Within Your Means: Cash From a Reverse Mortgage
- Special Situations: Live Within Your Means: Self-Employment to Follow Your Passion
- Special Situations: Protect: Health Care Insurance
- Special Situations: Protect: Life Insurance
- Special Situations: Protect: Property Insurance
- Trek IV Special Situations: Get Disability Insurance
- Special Situations: Protect: Estate Planning
- Special Situations: Protect: Make a Will
- Special Situations: Protect Income and Assets: Have an Emergency Cash Fund
- Special Situations: Protect: Long-Term Care Insurance
- Special Situations: Protect Income and Assets: Umbrella Insurance


text: Chance in Hell: Riddler and Two-faceEdward Nigma sighed as he sat, bored, in the grey walled rec room of Arkham. He watched as Joker span and danced in the room prattling on about his last fight with Batman, and saying that he shared a connection with the vigilante that no one else did, and that's why he would win.He leant back on the metal chair, looking over as Harvey glared at the clown and stated, "Win what Joker? This isn't a game.""Oh but it is! It's a wonderful game, and I'm going to win!" Joker squealed happily.Eddy rolled his eyes, "Harvey, to him everything is a game, you should know that by now."Harvey gave an audible growl, he looked around the room; they'd thrown everyone together again for whatever reason, he hated when they did this, too many variables. He found a seat – Next to Edward, as he had for the past two months, the only place where he didn't feel as if he were being looked at as a freak.Edward smiled lightly at Two-face, "Don't let him get to you, it's what he wants. Remember what I t


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Home > Brawley Union HS Alumni Listings |
Brawley Union HS Alumni ListAdd Your Name | Add a Lost Friend | |
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Looking for Brawley Union High School alumni not listed? If so, check out Classmates.com® - hundreds of more BUHS alumni have posted their profiles.
About the Brawley Union High School Alumni Directory
If you attended Brawley Union High and want to be added to the alumni directory register now to add your name to the alumni list.If you are an alumn of BUHS you should register now in the alumni directory. We also encourage you to interact with the rest of the alumni on this site. You can find old friends, share photos and stay updated on the latest school news.


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I have recently been putting together some simple websites using both the datafeed import plugin for WordPress and the amazon import plugin for WordPress. These have both enabled me to rapidly create my affiliate websites like I have never been able to before. These sites have taken at most 2 hours including setting up the …
Monthly Archive: January 2010
Thanks for the detailed information tradedoubler!
Hello matthew from XXX, Your participation has now ended for the XXX program. You can not generate any further commissions for this program. Any commissions as yet unpaid to you will still be paid. Best regards, TradeDoubler —————————————————————————————————— Well thanks for that tradedoubler… erm, why, what eh? Some more detail would help, come on tradedoubler… …
Datafeed Import Plugin for WordPress
In recent posts I have been referring to projects that I have been working on for the last few months. One of those projects is the Datafeed Import Plugin for wordpress. This is a plugin that I have developed myself out of a need that I have in my affiliate business. In Early 2009 I …
Long time out of affiliate marketing
The last six months have been very busy for me, we were married in August and since then I have been concentrating on some software development, more of which to come in the coming weeks as I am sure it will be of great interested to Affiliate marketers and readers of this blog. As a …
Earning From Affiliates – Recovering from hack and Google sandbox
Well it has been some time since I last posted, this was because both earning from affiliates and my Matt Houldsworth.com blogs were both hacked. Following which they were both binned by google. I have spent many hours writing to google (and others) to get both sites off the black list as the hack was …


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Found the same room at a different price? Tell us, and we'll offer to match it.
Special Offers - The Langstone Cliff Hotel
3 | Visit England Assessed Hotel | Ratings explained |
The hotel is still owned and managed by the Rogers family (generations two and three) who welcomed their first guests in 1947. Emphasis at the Langstone Cliff is on tradition and comfort coupled with with an abundance of facilities and entertainment.


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Memory Quilts Come in Five Styles To ensure that your t-shirts and other garments illustrate your flair perfectly! STAGGERED T-Shirt Quilt
PREMIER TRADITIONAL T-Shirt Quilt
See More Photos of the Traditional Quilt: MODERN T-Shirt Quilt
BLOCK T-shirt Quilt
See more photos of the Block Quilt: Click here if interested in a handkerchief quilt! Or here if interested in a tie quilt! Additional Sizes and Pricing
Wrap Yourself in Your Memories! |


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Posts tagged 'cotton'
What To Look For In A Quality Dress Shirt
Like all clothing, a great dress shirt combines quality fabric with quality construction. The result is longevity and a luxuriousness you can feel on your torso and that others can see when they look at you. And the icing on the cake is traditional styling with a contemporary sensibility.
Now that's a shirt that makes you want to take your coat off.
Putting it all together is our specialty, as we're the go-to dress shirt resource for most of our customers and their quality expectation is high. Fortunately so is ours. "Because we're a private label, you're paying for a shirt's quality… Continue>>
Selecting a Knit / Sweater Fabric
Knit Wit: From merino to pima, linen to silk, this is all about knits.
Knits and wovens are two of those industry terms we in the clothing biz throw around. In common terms, what we're talking about are pretty much sweaters and shirts, but not exclusively. Knits, which refers to fabric produced by pulling threads up and through each other, are how many short-sleeved tops for warm weather, such as polo shirts, are made, in addition to your favorite chunky winter sweaters.
Our knits come in long sleeve
Men's Summer 2011 Apparel Fashion Trends
What We're Excited About This Summer
Of all the seasons, summer can feel like the most uninspiring when it comes to style. You spend much of your time on the beach (or at least dreaming about it), and on top of everything, it's hot, so no complex feats of layering like you do in the winter.
But summer is the time when travels are undertaken, when romances are born or rekindled. So here are some of our favorite new products to keep your style inspiration burning all summer long.
Suits and Sportcoats
Our cotton suits give you everything you'd want in a summer suit: breathable fabric, light colors, and versatility for dressing up… Continue>>
Selecting Your Suit Fabric
When it comes to suiting fabrics, it's easy to think of wool at one end of a spectrum and cotton at the other. In this line of thinking, wool is only for fall and winter (except for those dullards who think wool is the only fabric appropriate for business and sweat in it all through July and August), and cotton is only for summer.
In fact this couldn't be more untrue, as the type of fabric is meaningless until you qualify it with weight and weave.
So heavyweight cottons like corduroy, cavalry twill and moleskin are actually cold-weather fabrics, while wool can come in weights as low as five ounces and… Continue>>
5 Must Have Men's Clothing Pieces for Spring
From the office to the clubhouse, workweek to weekend, here are the top five must-haves from our spring collection:
1. Our newest pinpoint oxford dress shirts combine fresh seasonal color with non-iron performance. Stay crisp and wrinkle free while vacationing from the daily humdrum of white and blue solids (though we've got those too) with colors like salmon, purple and orange bengal stripe. The buttondown collar looks neat with a tie or without.


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Unlike my opponent in the race for Congress, I believe in boosting the middle class.
In the past several years we have seen the toughest economic times in a generation, but I believe America's best days are ahead of us.
Our can-do spirit and American ingenuity will get our economy back on track. We're ending the bailout mentality. We are going to tackle the national debt and reign in spending. We can make things in America again, and we can make them better and more efficiently than anywhere in the world.
Unfortunately, even though it would blow a $700 billion hole in the national debt, my opponent's No. 1 priority is to extend tax cuts for millionaires like himself ("Congress likes job security -- its own," Oct. 4). State Rep. Randy Demmer is peddling the same failed policies of the past that got us into this mess in the first place.
He wants to put today's tax cut for millionaires on the national credit card for your kids and grandkids to pay tomorrow. That's not fiscally responsible. These aren't southern Minnesota values, and we cannot afford more of the same failed policies. If giving tax breaks to millionaires created jobs or grew our economy, I would be in favor of them, but they are the same failed policies of the past that just don't work.
We need a more balanced approach that puts middle-class interests over Wall Street special interests. I voted for -- and we enacted into law -- legislation to put the "cops back on the beat" on Wall Street and restore tough, common-sense rules to protect ordinary people's life savings. Demmer wants to repeal those new rules for Wall Street, pull those cops off their Wall Street beat and return us to the days when the taxpayer is forced to bail out reckless decisions by the big banks.
I have been a strong proponent of middle-class tax relief, and I voted for one of the largest middle-class tax cuts in U.S. history, one that gave relief for 98 percent of families. I will continue to vote for the middle class again and again to get this economy back on solid footing in the private sector. To jump-start our economy, we must leave cash in your hands -- because if you've got money in your pocket, you'll spend it at the hardware store or the corner market, and that will drive job growth in our private sector.
We don't need more of the same, typical politicians fighting for themselves and for special interests. We need someone to believe in our small-business owners again and someone to champion those folks who play by the rules. We need a common-sense approach -- an approach that is rooted in southern Minnesota values and puts the middle class first. An approach that puts middle-class Americans' interests over those of millionaires and of Wall Street and insurance company special interests.
We will get back on the path to economic prosperity, and southern Minnesota can lead the world in exciting new industries like renewable energy production, bioresearch and health care information technology. But we cannot choose the same failed policies of the past that Demmer is peddling.
Tim Walz, a Democrat, represents Minnesota's first congressional district in the U.S. House.
The Opinion section is produced by the Editorial Department to foster discussion about key issues. The Editorial Board represents the institutional voice of the Star Tribune and operates independently of the newsroom.
Poll: Do you agree with Gov. Dayton that Wisconsin's tourism ad is 'idiotic'?


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Students receive study abroad scholarships
Angela Massino '11 and Sarah Ranfone '12 received awards of $1,000 from the College's Shoemaker International Travel Scholarship in support of their upcoming study abroad experiences.
Massino is spending the fall semester in Milan, Italy, studying the history of the Italian film industry, communication studies, and Italian. Ranfone is taking part in a program in Santiago, Chile, studying Human Rights in Latin America along with Spanish; she'll also be involved in a service-learning project.
Both Massino and Ranfone will live with host families, attend classes at local universities, and engage in language study. While abroad, Angela and Ranfone will be writing blogs for LC's website.
In addition, Massino and Benjamin Kulp '11 were awarded scholarships from GlobaLinks for participation in the organization's programs. Kulp will be studying business and economics courses at the University of South Australia in Adelaide.


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Celluloid City: Porky's Trilogy Filmed at Miami Senior High School and Greynolds Park
Categories: Film and TV
Miami actor Rod Ball played Steve in the first two Porky's movies. |
Some trilogies are taken very seriously. For example, Lord of the Rings and Star Wars drive earnest fan boys and spectacled nerd girls into fits of fan fiction. Then you have three-peats like X-Men or The Matrix, which might not breed droves of fanatical devotees, but manage to capture a mass audience thanks to the blockbuster factor. But once in a Valar Aulë moon, we come across a movie franchise that begs the question: Who thought that greenlighting seven Police Academy movies was a good idea?
Somewhere in the middle, resting on its little piggy hooves, there's the Porky's trilogy. The original popped up in 1981, followed a year later by Porky's II: The Next Day and Porky's Revenge in 1984. The movies were based on director Bob Clark's memories of his high school years in Florida and all three were shot in Miami.
The Porky's franchise is basically an unselfconscious exploitation of young, plump girls and the teenage boys who will do anything to access their lady parts. And we mean access by any means, including drilling peepholes into the walls of the women's locker room. Of course, there are also some misadventures and a couple of cartoonish villains, such as the titular Porky, a local strip club owner. Think American Pie, only three times as sophomoric, twice as funny, and set in the 1950s.
Here are the boys up to no good with a very young and horny Kim Cattrall:
Big parts of the Porky's trilogy were shot at Miami Senior High School and the old Miami Beach Senior High School. The Miami High building is still standing and in use, but the Beach High location is now part of the Fienberg-Fisher K-8 Center on 14th Street and Drexel Avenue. For Porky's II, Greynolds Park stood in for the Everglades while a plant nursery on Old Cutler Road was transformed into a cemetery for the graveyard scenes.
Veteran actor Rod Ball, who played Steve in both Porky's and Porky's II: The Next Day, recently told Cultist about a prank pulled on him by the cast and crew while shooting off Old Cutler Road:
"I was in full ghoul makeup and doing repeated takes popping out of a grave. Bob Clark asked me to do one more take. This was about five in the morning," Ball said. "I got back in the coffin and I waited and waited, and waited, and finally realized that it was a practical joke and popped out of the grave to the laughter of the entire gathered cast and crew. I immediately started chasing Bob around as the ghoul until he finally called for a wrap!"
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Earlier this morning, Denver's KBC 97.3 gave their listeners the first taste of Feist's forthcoming album Metals by premiering the LP's track "How Come You Never Go There". Now you can listen to the track below. Metals, the Canadian songstress's 4th studio solo album is due out October 4th.
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Taiwan is famous for their oolongs, and after sampling our organic Jade Oolong, you'll understand why! This lightly oxidized organic oolong tea comes from Taiwan's mountainous region of Nantou. The leaves of this organic Taiwanese tea are tightly rolled with a medium-green color. They yield a golden infusion with a flowery aroma and a subtle, buttery flavor, with a smooth body and lingering oolong finish. Like other fine organic loose leaf oolong tea, our Jade Oolong may be infused a number of times, with each infusion revealing a new nuance of this tea's complex flavor.
Ingredients: organic Taiwanese oolong tea |
Serving Size: one level teaspoon per 8 oz cup of water |
Aubrey Says: After you infuse this tea, be sure to check out the large, intact leaves - a perfect specimen of Camellia sinensis! |
Jeremy Says: The lighter oxidation of this oolong makes it a favorite among green tea lovers. |
Posted by Manu on 31st Jul 2013
I love lightly oxidized oolong teas. I used to drink the non-organic Jade oolong for years, and now I had switched to all organic teas. It is very difficult to find good organic oolong teas, so I was happy to find it here. However, I am not sure why, but to me the organic teas have a more subtle taste then the conventional teas. I noticed this with Sencha, too. Anyways, back to the topic: this tea is amazing! I can taste the floral character and it has a honey aftertaste. Just lovely! I used to drink green tea too....but now green tea is on the back burned and this oolong is my first choice for daily tea.
Posted by Susan on 6th Jul 2013
I really love the relaxing peaceful feeling this tea gives me. The flavor is very complex but clean. It's the best Oolong tea I've ever tasted. I originally bought 4 ounces, but that was quickly gone and I just purchased the 12 ounce bag. This tea is decadent.
Posted by Unknown on 19th Mar 2013
A must try... soon to become part of my "permanent stash" of teas
Posted by Unknown on 23rd Nov 2012
Crisp, floral, soothing. When you brew this tea, the aroma is floral but not overpowering floral. The taste is clean, crisp, floral and slightly buttery. This tea is great iced, I ice it 3 parts Jade to 1 part Oriental Beauty for an amazingly refreshing iced tea.
As a note of clarification, the picture displayed doesn't match. All the leaves are tightly rolled into balls, not slightly balled and elongated as the picture on the website.
Posted by Sunny on 19th Sep 2008
I love this tea. Most important of all I buy teas from Arborteas because they are all Organic and certified by USDA. Some drink teas for taste and some for health and yet some for both. I am more health oriented person so deeply appreciate Jeremy and Aubrey for creating such a wonderful online store that gives me confidence in buying a safe and delicious tea.
Posted by A fan on 14th Mar 2008
Beautiful color wonderful flavor this tea is fantastic!
We at Arbor Teas firmly believe that tea should be brewed to suit your personal taste. With that being said, here are some recommendations to get you started, but please remember you can make adjustments based on your own personal taste.
There are three main considerations when brewing tea: quantity of tea, water temperature and steeping time.
Quantity of tea: one level teaspoon per 8 oz cup of water |
Water temperature: use water that has been heated until the first bubbles begin to rise from the bottom of the pot (195° F) |
Steeping time: 4-7 minutes |
Tip #1: Use fresh water whenever possible - water that has been sitting in your kettle overnight may impart a flat or stale taste to your tea. Be careful not to boil your water for too long. Over boiled water can sometimes impart an unwanted taste.
Tip #2: Keep in mind that brewing your tea for too long can extract undesirable bitterness from the leaves, so steeping time matters! For a stronger brew, don't steep longer, just use more tea.
Learn more from our How To Guides on how to brew loose leaf tea, how to make iced tea, and how to make tea lattes. And don't forget to check out our Eco-Brewing Tips, too!
There are five significant components found in all tea from the plant camellia sinensis: essential oils, which are the source of tea's delicious flavor and aroma; polyphenols, which are antioxidants that provide the tea's brisk flavor and many of its health benefits; phytonutrients, which are small amounts of vitamins, minerals, and amino acids including L-theanine (a very rare molecule that has been found in only three sources including camellia sinensis!) ; enzymes; and methylxanthines, which are a family of alkaloids that include caffeine. Each of these components work differently in the human body and a full description is best left to a medical journal. However, recent research exploring the potential health attributes of tea is leading many scientists to agree that tea, may contribute positively to a healthy lifestyle.
For a more in-depth discussion of Tea and Health Benefits check here.
For a more in-depth discussion of Tea and Caffeine check here.


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Rutgers Farm Business Management/Marketing Training and Information Program
Frances Adelaja & Robin Brumfield
Rutgers University - Cook College
New Brunswick, New Jersey
Farmers need management, marketing, financial, and planning skills to survive in a highly competitive business environ-ment. The Farm Business Management /Marketing Training and Information Program was developed to address these needs by providing in-depth training to enable farmers to gain the knowledge and skills to plan and meet their financial, business, and family goals. Thus keeping New Jersey's farm industries competitive, innovative, productive, and viable in today's and future global economy.
For a second year, Rutgers' Cook/New Jersey Agricultural Extension Service(NJAES) received an Agricultural Economic Recovery Development Initiative (AERDI) grant from the New Jersey Department of Agriculture's (NJDA) Division of Rural Resources to continue teaching New Jersey farmers and producers progressive or innovative business management and marketing techniques. These were designed to improve, modernize, and keep agriculture in New Jersey viable and competitive.
The NJDA also gave Production Efficiency Grants (PEG) to 663 New Jersey farmers in 1995. PEG was given to farmers to invest in projects which:
1) improve farm management practices
2) make conservation and natural resource improvements
3) implement new technology
4) improve and expand farm marketing facilities and
5) profitability
Although the 633 PEG recipients were required to take a minimum of three hours of farm business management and marketing from Cook/NJAES, over 1,240 farmers attended the 47 training sessions throughout the state. The training pro-gram was also open to all New Jersey farmers.
Developing these 47 farm business and marketing training sessions, required collaboration and coalition building with departments within Cook/NJAES, and 30 other agricultural and non-agricultural organizations. This effective utilization of resources and knowledge from the team enabled Rutgers' Cook/NJAES to effectively and successfully deliver a very informative, concise, and thought provoking farm business management and marketing training program to the farm industry.
The AERDI grant, called the Rutgers Farm Business Management/Marketing Training and Information Program (the Training Program) directed by Dr. Robin Brumfield, consisted of two components: the Farm Business Management /Marketing Training Program; and On-Line Market Information Database, and Hot-line Information System.
Frances Adelaja, Program Associate in Farm Management, coordinated and implemented both the Farm Business Management/Marketing Training program and the On-Line and Hot-Line database Systems.
Two separate advisory committees were convened for each component of the Training Program. For the Farm Business Management/Marketing Training Program component, a farm training advisory committee consisting of representatives from Rutgers Cooperative Extension, the Rutgers New Jersey Agricultural Experiment Station, Farm Bureau, First Pioneer Farm Credit ACA, Farm Service Agency, Small Business Administrations, and other agricultural and non-agricultural organizations were organized to identify the subject area that would be immediately useful to farmers.
The committee recommended that training in farm business management should be concentrated in six core subject areas: Labor Management, Financial Management, Estate Planning, Owning and Using Property, Management, and Marketing. From these six core subject areas, came forty seven multiple training sessions that were offered during the 1995 to 1996 period.
The forty-seven multiple Farm Business Management/Marketing Training courses were held from the fall of 1995 through the spring of 1996 and resulted in nearly 4,900 contact hours with farmers. The training course included: Estate Planning; Computerized Recordkeeping Accounting Software (QuickBooks, Quicken, QuickPay), Strategic Planning, Identifying Farm & Family Goals, Pre-Retirement Planning, Managing Farm Record Finances (Balance Sheet & Income Statements), Financial Reporting and Analysis in Agriculture, Analyzing the Farm Operation Using Whole-Farm Budgeting and Partial Farm Budgeting, Labor Management, Agricultural On-Line Information, Computer Basics, Agricultural Marketing on the Internet, Supplementary Income Opportunities, Crop Insurance, Positioning Your Dairy For The Future, General Marketing, Horticultural Marketing, Grain Marketing with futures, and other programs tailored to specific commodities.
For the On-Line database services and Hot-Line information systems component of the Training Program, an advisory committee consisting of representatives from the NJDA, the USDA, Farm Bureau farmers, and other professional organi-zations personnel was convened to identify information needed on both the database and hot-line information system.
The On-Line database, which can be accessed twenty-four hours a day, allows farmers, agents, specialists, NJDA/USDA personnel, and other agricultural information users direct computer access to commodity prices, at terminal markets, shipping points, future markets, and prices and volume information at the Vineland Auction.
The Hot-line information systems provide telephone access to RCE technical reports, technical information, marketing information, and crop information. The system allows a user to request information by pressing buttons on their touch-tone telephones as directed by a recorded voice. These documents are then sent via fax to the phone location requested. This Fax-On-Demand and fax broadcast operation is designed to improve communication between the agricultural community and Rutgers University.
The program has been very well received. Over 1,240 farmers participated in the 1995 Rutgers Farm Business Management/Marketing Training and Information Program held at Cook Campus, at Cook/NJAES off-campus research centers, at RCE county offices, at non-agricultural buildings, and in conjunction with commodity group meetings. Although PEG recipients were required to take only 3 hours of training, many of the farmers attended additional training sessions.
The following are a summary outcome of the Training Program:
Forty seven farm business management /marketing training sessions were held.
Over 1,240 farmers attended these train-ing sessions. The training sessions resulted in 4,900 contact hours.
Fifty-four speakers conducted the 47 training sessions.
Over 30 agricultural & non-Agricultural agencies worked to deliver a very successful training program.
About 13,423 informational faxes were faxed directly to the farmer and agriculture support persons.
Approximately 1,959 agricultural constituents logged-in to the AERDI On-Line agricultural database. This figure does not cover the over 200 Rutgers' Cook College accounts (Agents, specialists, researchers, and administrators), or NJDA, and other Rutgers accounts that log onto the system.
Roughly 16,893 agricultural constituents phoned-in for agricultural news recordings.
An estimated 104 Kermit disks and instruction sheets were sent out to users.
Roughly 27 talks and demonstrations were given on the On-line and fax information systems.
Participants at the sessions also gave glowing evaluations of the Training Program. Most attendees rated the course good to excellent and would recommend the program to an associate. The following are some of the course comments from the formal evaluation sheet:
"Best seminar I have attended in my 20 years in the industry"
"More than I expected"
"One of the best classes I have ever attended"
"The program is a home run"
"Very well done and informative"
"I thought I already knew the information being presented - I was wrong"
"Keep up the good work"
"Worthwhile attending"
"Very good"
"Time went by in a friendly and relaxed environment"
"I enjoyed my three hours of class. Made me want to take more classes"
"Inspiring, motivating, and useful information"
"Was highly informative"
"More classes"
Most of the participants rated the speakers "excellent to good" and said the pace of the course was "about right."
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- All Things Colorado Sports - http://blogs.denverpost.com/sports -
Trip to true gourmet restaurant worth the mountain climbs in Tour de France
Posted By John Henderson On July 19, 2012 @ 10:36 am In Cycling | No Comments
BAGNERES-DE-LUCHON, France — The misconception about covering the Tour de France is every day is spent picnicking among sunflowers, eating brie and fresh bread and drinking a nice Cotes du Rhone. Evenings are spent in cozy restaurants dining on delicious dishes you can't pronounce because you can't speak French and you can't stop eating.
Here's a little reality check: In a day featuring a 5 1/2-hour trek from Pau to Bagneres-de-Luchon, my entire food intake consisted of two pieces of bread and three energy bars. Oh, at 11 p.m. a bar on the Spanish frontier slapped together a salami and cheese sandwich right before closing. The one time you can make time is on Rest Day.
Naturally, that's when I began my Tour de France.
Tuesday I was in Pau, a lovely 11th century city at the foot of the Pyrenees. I went to a restaurant right out of central casting for gourmet French restaurants. Au Fin Gourmet is across the street from Pau's classically restored train station but is definitely not the other side of the tracks.
I walked past the octagonal dining room with the white tablecloths and straight outside where about a dozen tables were set below tall shady trees. It was about 75 degrees, the sun was setting and the night was as still as the Eiffel Tower.
I had cote de porc Ibaiona, thinly sliced pork with a thick, tangy local sauce that tasted like BBQ with a little less sweetness. Unlike some French restaurants in the States, this dish filled more than a child's hand and every bite tasted as fresh as the Pyrenees' mountain air in winter.
OK, so covering the Tour de France isn't all that bad.
Article printed from All Things Colorado Sports: http://blogs.denverpost.com/sports
URL to article: http://blogs.denverpost.com/sports/2012/07/19/trip-true-gourmet-restaurant-worth-mountain-climbs-tour-de-france/22253/
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A Big New Voice for Shelter Animals
The Ad Council partners with The HSUS and Maddie's Fund in an unprecedented national campaign to spotlight shelter adoption.
Timing is Everything
Humane Alliance launches When to Spay effort to promote spay/neuter at 4 months.
Mouthpieces: Don't Leave Pets in Hot Cars
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Mouthpieces flyer designed to promote keeping cats indoors.
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Designers, media, bloggers, makeup artists…this is your ultimate guide to pretending you were at New York Fashion Week. More
Designers, media, bloggers, makeup artists…this is your ultimate guide to pretending you were at New York Fashion Week. More
Dita Von Teese doesn't wear underwear in haute couture, and her latest Instagram picture shows why she doesn't have to. More
Aren't peplums bad enough? Did we really have to reverse them? More
The only thing better than Zac Posen designing wedding dresses for David's Bridal is that they come in larger sizes. More
Just try to look away from her boobs. More
Like we said: nothing beats an MTV Awards Show for catastrophically bad fashion. Here's the evening's worst dressed, featuring Miley Cyrus, Robin Thicke, Katy Perry, Ellie Goulding and a shiny crocodile suit. More
We've said it a million times and we'll say it for as long as we cover red carpet goings-on: absolutely nothing beats an MTV Awards Show for catastrophically bad fashion. Last night's 2013 MTV Europe Music Awards was no exception–you've already seen Miley Cyrus' outfit, we bet–but unfortunately, we still have to cobble together a best dressed list. Here's our attempt, featuring five people, including one professional model and a comedian who showed up in character. More
Oh, you didn't get invited to the debut of Thom Browne & Zac Posen's ritzy Infiniti Q50s? Luckily, this recently released video makes it like you were there… minus any complimentary drinks. (Boo.) More
We have bitched and moaned about peplums for nearly as long as we've been doing red carpet coverage–they bother us for a number of reasons, namely that they tend to be awkward, bulky and unflattering on women in the actual corporeal world (as opposed to the fantastical creatures forged at fashion week and paraded down the runway) and because they look so pointless. Just a bunch of unnecessary fabric, engulfing the wearer, serving no visual purpose. No wonder Kim Kardashian loves them.
…But looks like we better start loving them too, because if the current NYFW runways are any indication, they're not going away anytime soon. Here's what to expect from the trend next Spring. More
Celebrities love fashion week. Not just because they get wined and dined, sit front row, skip all the lines and leave loaded down with freebies–but because they get press, for the simple act of wearing clothes. Their outfits don't have to be inventive, interesting or even stylish–if they're famous and anywhere within a stone's throw of Linc Center or Milk, they'll get photographed. For dayz.
And we'll contribute to the problem! More
Now everyone can have the glitter and gold look. More
Zac Posen has seriously gone and designed a dress made out of real, honest-to-god 24-karat gold, and it's every bit as vampy and shiny as you'd expect. More
They could always tell when it's gonna rain! More
How to get a Floral Manicure inspired by the tights at Thom Browne. -The Cut
7 DIY ways to get glowing skin. -ChickRX
Get crimped hair, Zac Posen style. -Refinery29
BB Cream has finally gone to your head (or hair, at least). -YouBeauty
How makeup artists keep it together during Fashion Week. -HuffPost Style
The most, uh, daring Grammys fashion of all time. -StyleList
Apparently fashion people like astrology…? -The Cut
Carrie Underwood: country glow worm. -Styleite
Chloe Sevigny models her own collection for Opening Ceremony. -Fashionista
5 small, cheap, and reliably effective style pick-me-ups. -College Fashion
Anne Hathaway looking stylish in… Aldo pumps? -Budget Babe
Things a man learned from lingerie shopping for V Day. -HuffPost Style
Foil manicures: now a thing. -Birchbox
21 signs Fashion Week may have jumped the shark. -Racked
The Grammys… have a clothing line? -The High Low


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Staff Awards: 2008
Huq Recognized by the Leadership Alliance
Ashfia Huq
The Neutron Scattering Science Division's Ashfia Huq was recently named a Leadership Alliance Doctoral Scholar by the Leadership Alliance. The alliance was established as a national consortium of leading research institutions and minority-serving institutions dedicated to boosting the enrollment of underrepresented minority students in graduate programs. Ashfia also received the Mary Lyon Award in January 2008.
Andrey Zheludev & Pengcheng Dai Honored by the American Physical Society
Andrey Zheludev was nominated for his elegant neutron scattering investigations of quantum magnetism and quantum critical phenomena, especially in spin-chain compounds.
Pengcheng Dai holds a joint appointment with the University of Tennessee and in the NScD. Dai was recognized for his contributions to understanding fundamental properties of magnetic excitations in high-transition temperature superconductors, f-electron heavy Fermions, and colossal magneto-resistance manganites.
Xun-Li Wang Appointed UT Adjunct Professor
Xun-Li Wang
The Neuron Scattering Science Division's Xun-Li Wang has been appointed as adjunct professor with the University of Tennessee, Knoxville. His appointment is in the College of Engineering, Department of Materials Science and Engineering. Xun-Li serves as the group leader for the Powder Diffraction Group and is the lead instrument scientist for the Engineering Materials Diffractometer, which is under construction at SNS.
Xun-Li received his B.S from Beijing University and a Ph.D. in Physics from Iowa State University. He came to ORNL in 1992 and joined SNS in 1999. His scientific interests include mechanical properties, phase transformation, and magnetism in advanced materials.
Herb Mook receives American Physical Society Jesse W. Beams Research Award
This award was presented at the 75th Annual Meeting of the Southeastern Section of the American Physical Society. The meeting was held October 29 - November 1, 2008, at North Carolina State University in Raleigh, North Carolina. Each year, the society awards three prizes for contributions to the field.
Shown in the photo are (left to right) Mike Fowler, University of Virginia (Pegram Award for Physics Teaching), Mook, and Laurence Cain, Davidson College (Francis Slack Award for Service to Physics).
Mentor Awards - Outstanding mentors and teachers honored at ORNL
ORNL, DOE, and Oak Ridge Associated Universities recently recognized outstanding ORNL staff for mentoring students and teachers in laboratory education programs and throughout the community. The awards were presented recently at ORNL in a joint ceremony by ORNL's Minority Educational Institution Program and ORAU. See the full News Release...
Six NScD staff received awards for their efforts as outstanding mentors in 2007:
NSSD: Bob Martin, Mason, John Haines, Jaime Fernandez-Baca, Al Ekkebus, Greg Smith, Chrissi Schnell, and Lakeisha Walker
RAD: Willem Blokland
Danilov Receives EPS Accelerator Group Prize
Slava Danilov
Research Accelerator Division physicist Slava Danilov recently received a European Physical Society Accelerator Group 2008 Achievement Prize. Slava was recognized "for numerous contributions to accelerator physics, in particular for the proposal, calculation, design, construction, and demonstration of efficient laser H- stripping." As Slava puts it: "Laser stripping is conversion of H- atoms to protons using lasers during injection into SNS ring. The present conversion scheme uses carbon foils, which produces the highest radiation at SNS. The carbon foils will start to break down at SNS megawatt intensities–one of the most severe problems for SNS power upgrade projects. The new technology with lasers (if developed) will eliminate old technology drawbacks."
One of three prizes awarded biennally by the society, this award is for an individual in the early part of his or her career, having made a recent, significant, original contribution to the accelerator field. The award will be presented at the 2008 European Particle Accelerator Conference in Genoa, Italy.
Slava received his PhD in Physics from the Budker Institute of Nuclear Physics, Novosibirsk, Russa, in 1995. He joined the SNS Project in 1998 and is part of the Accelerator Physics Group. His research interests include self-consistent distributions of intense beam, collective effects, nonlinear dynamics and integrable systems, and quantum physics of beams.
Huq cited by Mount Holyoke College
The Neutron Scattering Science Division's Ashfia Huq was recently awarded the Mary Lyon Award by the Alumnae Association of Mount Holyoke College. The award, named after the college's 1837 founder, Mary Lyon, is presented to an outstanding young alumna who has been out of college 15 years or less.
Ashfia is an instrument scientist with POWGEN3, a third-generation powder diffractometer at the Spallation Neutron Source. Her area of expertise is high-resolution neutron and X-ray powder diffraction of condensed matter systems. Her scientific interests include hydrogen storage materials, catalysis, magnetic and structural properties of strongly correlated electron systems and ab initio structure solutions from powder data.


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quote:Probably better info than 95% of our so called "insiders"
quote:Briles is a "safe" hire. Maybe the safest hire we could make. There will be no shenanigans, he's got the TX recruiting connections, his offensive system is a stupid spread but it will be able to capitalize on the talent we have on the roster right now. He's my leader as of now. Of course Jeff Long will play it very close to the vest like he always does so there's no true information, and as you all know there are no such things as insiders with Arkansas athletics. However, JLS might let something slip on twitter.
quote:Wrong sport I think
quote:No way. Strong is one of the best recruiters in the country and a hell of a defensive mind. Get a good offensive coordinator in place and he might actually be able to build off Petrino's success instead of the inevitable decline most are expecting.
quote:I would much rather see Arky get someone of a lesser caliber as they move forward with their intense rivalry with Mizzou.....
quote:Strong = 7-6, 7-6 at Louisville. Petrino = 9-4, 11-1, 9-3, 12-1 at the same school with less experience. Comparatively, we don't want Strong...


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Brian X. Chen writes for Gadget Lab:
CNN news producer Peter Wilkinson and Latitude Group CEO Alex Hoye stood out among 35,000 runners at Sunday's London Marathon — in the digital world, at least, where they tweeted their progress with their cellphones…
"My biggest fear was it would be boring — mile 1: running; mile 2: still running," Hoye said. "But I gave it a try and people were talking about it on mile 9, retweeting it, and I said fuck it. And the great thing is, every mile you have to get your milestone of what you're going to tweet. You have to think of something mildly amusing every mile."
I'm going to tweet my next run with Lisa. Maybe it will make the time fly by?


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Set of folded stationery cards printed on bright white, smooth card stock to bring your personal artistic style to everyday correspondence. Each card is blank on the inside and includes a soft white, European fold envelope for mailing.
The second terror from the collection full of wraiths...
lukas, i see this and i keep thinking "I GOT THE POWER" (http://www.youtube.com/watch?v=z33tH-...ature=fvst )
:D awesome piece!
:D awesome piece!
Oh, thank you sooo much Efi... I am honored!!! Don't miss the the first give away of Surgery Minor Kunst on FaceBook: https://www.facebook.com/events/283131605068218/ This is the last week... to Join and Win! All the best! :D
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