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Go to http://www.eascv.org to get more information! Escrow Association of Santa Clara Valley SEPTEMBER 2009 President's Letter This past August 7 and 8, Lena Signor and I attended the CEA Director's meeting. Lena and I purposely attend different committee meetings, so that our region has the most representation. These meetings are jam packed with mountains of information. Please check out the notes from the meetings printed later in this publication. During the membership meeting, I listened to various people talk about their struggle to What's Inside? promote their professional designations and membership in the California Escrow Association. President's Letter Page 1 One person, I'll call her Anna, described a meeting she attended, that was at a large real 2009 Calendar and Board Page 2 estate office. Anna, as well as several of her co-workers also attended the meeting. Each Dinner Meeting Page 3 escrow officer was given a chance to introduce themselves to the group. To introduce Holding Funds in Escrow Page 4 herself, Anna included her reasons for being a member in the California Escrow Association. EASCV's 2009 Fundraiser Page 6 She declared that membership is what enables her to keep current with industry related Notes: CEA Meeting in Long Beach Page 7 legislation and practices. Anna went on to emphasize her commitment as an escrow Budget Page 11 professional. She highlighted the extra step she had taken by passing the examination to Minutes Page 12 obtain the professional designation as a Certified Senior Escrow Officer. Anna also stressed the importance of continued education in order to maintain her professional designation. Anna then told us that the other escrow officers, who were not members of CEA or certified, were critical of her; suggesting that she was accusing the other escrow officers of less commitment to their profession. This story spurred quite a lot of conversation. Some people responded that they grow less tolerant of guarding the feelings of the escrow officer that does not join CEA or take the examinations to become certified. Others will state that during these economic times, the title and escrow companies are cutting back on funding their own educational programs. CEA and local escrow associations remain one of the few places to find educational opportunities. Clearly, Anna and the other escrow officers attending this real estate meeting were marketing themselves to earn more business. Each escrow officer standing before this group of Realtors was hoping to make an impression and be selected for the next escrow transaction. When making a list of reasons to use, or try a new escrow officer, membership in CEA and holding a professional designation are quality and REAL credentials! Other than the number of years in the business, most reasons are subject to the interpretation of the listener or, eye of the beholder. The amount of business available in our industry has been greatly reduced. The competition for earning business is rigorous. Being a member in CEA and holding a professional designation adds strength to your employment value and is a worthy marketing tool! A title company sales representative should be jumping at the opportunity to present these credentials to clients! An employer should be proud to promote the number of PD holders within their company. The practice of escrow is a serious profession; demanding high standards of ethics with unique skills that are learned from a long road of experiences. We have a responsibility to push ourselves to remain aware of new practices, laws, fraud, and taking advantage of every educational opportunity available. We should be comfortable marketing our membership and professional designation. Don't forget about our next dinner meeting on September 15, which will be the conclusion of the Mock Trial. Our guests will have the opportunity to cast their verdict of guilty or not guilty of the escrow officer and title/escrow Company. Having attended the July meeting is not required to render your verdict, as we will offer a re-cap of events prior to starting the Mock Trial. This is a fun event and I hope you will invite a friend. Anita Rubeck, 2009 President firstname.lastname@example.com September 8, 2009 Teleconference Board Meeting at 5:30 p.m. September 15, 2009 General Membership Dinner Meeting at 6:00 p.m. Old Republic Title Company- 1900 The Alameda, 2nd Floor, San Jose, CA 95118 Speaker: Trial, Part II October 20, 2009 Face to Face Board Meeting at 5:30 p.m. Old Republic Title Company – Main Office October 22-25, 2009 CEA 54th Annual Educational Conference Long Beach, CA November 10, 2009 Teleconference Board Meeting at 5:30 p.m. November 13-14, 2009 CEA Board of Directors Meeting Renaissance Hotel, Long Beach, CA November 17, 2009 Installation of 2010 Officers & Directors Dinner Mtg at 6:00 p.m. Old Republic Title Company- 1900 The Alameda, 2nd Floor, San Jose, CA 95118 November 30, 2009 2010 membership renewals due to CEA Headquarters December, 2009 Joint Meeting with 2009 and 2008 with Board of Officers and Directors Time and Date – to be determined December 31, 2009 P. D. 502 forms due to CEA Headquarters 2009 Officers and Board Members President Anita Rubeck firstname.lastname@example.com (510) 709-5318 Vice President Lena Signor firstname.lastname@example.com (408) 267-2200 Secretary Linda R. Murphy email@example.com (408) 203-0820 Treasurer Joette Joseph firstname.lastname@example.com (408) 354-9128 Past President Colleen Gallagher email@example.com (408) 371-8040 Director Joseph Difu email@example.com (408) 377-6700 Director Jackye Chai firstname.lastname@example.com (408) 296-4500x 325 Director Philipe Doren firstname.lastname@example.com (408) 464-2158 Page 2 Escrow Association of Santa Clara Valley September's Dinner Meeting Where: Old Republic Title at 1900 The Alameda, 2nd Flr. Conf. Room, SJ When: Tuesday September 15th, at 6:00 The subject for this Dinner Meeting will be The subject for this Dinner Meeting will be Trial, Part II All guests attending will get to deliberate and cast their verdict as to the guilt or innocence of the escrow officer and the title company. If you missed Part I, simply read the notes that Anita provided in the President's Letter. $15.00 for Members and $20.00 for Non-members Please note: RSVP's must be emailed to firstname.lastname@example.com OR faxed to (408) 295-2891 no later than 3pm the FRIDAY BEFORE the meeting! Company Name: ________________________________ Phone _________________________________ Company Contact: _____________________________________________________________________ Name of guests Member Y/N Designation 1. _______________________________________ _______ _______________ 2. _______________________________________ _______ _______________ 3. _______________________________________ _______ _______________ 4. _______________________________________ _______ _______________ Chicago Title-Kathryn Kelly: (650) 326-7538 First American(San Jose)Lauren Willis: firstname.lastname@example.com Cornerstone Title: firstname.lastname@example.com First American(Monterey) Lal Sutton: email@example.com Fidelity National Title-Jason Hererra: email@example.com North American-Pam Jackson: email@example.com Stewart Title-Vickie Stermer: firstname.lastname@example.com Old Republic Title-Linda Bentson: email@example.com If your company is not listed or if you are the contact person for your company, please email reservations to firstname.lastname@example.com or fax (408) 295-2891 "PD holders will receive 2 to 2 ½ credits for this dinner meeting & future general membership meetings." Holding Funds in Escrow Often, escrow is told that payment of bills for home repairs or inspections will be a part of the closing. It is not unusual that during the course of a real estate transaction that some repairs will not be completed prior to close. Weather conditions can delay repairs. Sometimes the Realtor simply forgets to order the home warranty until the last minute. Other times, the Buyer elects to have the repairs performed after close of escrow, as they want to be present to observe the repairs or contribute toward upgrading the repairs. After the closing of one particular, land only transaction, escrow received a billing from a company that had performed excavation services. Upon receipt of the bill, escrow promptly paid the bill from the funds held from the Seller. Since the bill was for less than what was held, escrow remitted a check to the Seller for the remainder. Days later, escrow received another bill from a different excavation company. It was later discovered that the Seller had obtained an estimate for the excavation prior to close of escrow. Escrow had NOT been provided with a copy of the estimate and therefore; escrow did not perform the standard practice of obtaining the Buyer and Seller signatures on the face of the estimated statement. Unknown to escrow, the Buyer did know about the estimated statement, but chose to use a different company. Both Realtors represented to their client that escrow would hold the funds from the Seller, pending receipt of a bill from an excavation company. The Buyer assumed escrow paid the inspection bill ordered by the Seller. The Buyer also assumed that the difference between the amount held and actual bill would be remitted to the Buyer. The Buyer felt free to take bids from other companies. The Buyer found another excavation company that would perform the services for less than the Seller selected company. The Seller did not know the Buyer wanted to use a different excavation company, and had already told the Seller selected excavation company to proceed. The Buyer wanted the excavation service performed at a different location than was originally discussed with the Seller. This was a large piece of land and neither excavation company realized the other was working on the property. A search of the file revealed: The Seller's estimated statement did not list an amount to be held for future excavation services No notes as to who told escrow to hold funds from the Seller, or how much was to be held. No Holdback Instructions. The Seller demanded that escrow pay the company that had been selected by the Seller, insisting that escrow should have called the Seller for approval prior to remitting any funds. The Seller and their agent were quick to point out that escrow never really had permission to hold the funds from the Seller; since nothing was shown on the estimate statement and there were no Holdback Instructions. Page 4 Holding Funds in Escrow-Continued… The Buyer insisted that they had the right to select a different company, since they were now the owners of the property. Oh, and by the way, the Buyer still wanted to be paid the difference between the amount held and the amount paid to the Buyer selected excavation company. Also, the Buyer's agent pressured to escrow to remit the difference to the Buyer. With each passing phone call the issue became more and more heated. Adding fuel to the fire, the Seller selected excavation company, was threatening to place a lien against the property, if not paid. Ultimately, escrow paid both excavation companies. Oh, and by the way, the Seller was unjustly enriched as she did not give back to escrow the refund received. This entire situation could have been avoided had escrow obtained signatures from the Buyer and Seller on a standard Holdback Instruction. Holdback Instructions should outline who will receive any remainder funds, eliminating any assumptions. Had the Holdback Instructions spelled out that payment would be made upon receipt of a bill from ANY excavation company, then escrow would have been correct by remitting payment to the Buyer selected company. Also, the Seller would have been far less likely to give the 'go ahead' to the Seller selected company. Had the Holdback Instructions spelled out that the payment would be made upon receipt of a bill from the Seller selected company, then, escrow would have not paid the first bill. Additionally, the Buyer would have understood the payment was limited to payment to the Seller selected company. The standard Holdback Instructions detail the conditions for release of the funds. Most Holdback Instructions incorporate the general provisions, which allow for submitting the funds to an action in interpleader in cases of dispute, and the unjust enrichment indemnification language. Standard Holdback Instructions provide for NO further instructions are needed from the Principals once escrow receives the appropriate bill. Granted, this was an unusual situation, costing the title company several thousand dollars, but the basics of obtaining clear instructions regarding the disbursement of funds remain the same. The story could have just as easily been surrounding funds held for a home warranty, roof or termite repairs. Either escrow has a bill, that is read and approved by the Buyer and Seller prior to close of escrow, or escrow obtains Buyer and Seller signatures on properly completed Holdback Instructions. ~Anita Rubeck, CEI, CSEO Forensic Escrow Services Page 5 Escrow Association of Santa Clara Valley Fundraiser for 2009 Our fundraiser program benefits everyone! We are selling Entertainment Books for $30.00 Most Coupons good now until November 2, 2010 Every time someone uses the card or coupons they are saving money! What a great gift for friends and family during these economic times! Additionally, you can download coupons online after activation of the Entertainment Card. There are thousands of dollars worth of savings for entertainment, services, dining, and air travel, online orders, cruises, hotel, clothing, home improvement, car rental, museums, fast food, pet supplies, Target, Sears, Kmart and more! Each book purchased helps meet the needs of our budget. Books will be available for purchase at the dinner meetings, or by contacting Anita at (510) 709-5318 or email@example.com. Make checks payable to EASCV. Here is a list of a few of available savings the books has to offer: 4 coupons from Safeway, total $20.00 3 coupons from Buca di Beppo, total $30.00 4 coupons from Bakers Square, total $31.00 2 coupons from Bella Mia, total $30.00 3 coupons from KFC, total $17.00 There are multiple discount coupons such as: 12 AMC movie theatre, 6 Wendy's, 9 Taco Bell, 8 Mountain Mike Pizza, 4 Pizza Hut, 4 Una Mas, 3 Arbys, 5 Happi House and more. The book has activity coupons to provide weekend ideas for movie rentals, miniature golf, bowling, Malibu Grand Prix, Gilroy Gardens, Winchester Mystery House, Tech Museum and more. The cover of the book tallies up all the coupons as a savings of over $15,500.00. This is a great value! Page 6 Notes from the CEA meeting held in Long Beach August, 2009 CEA News This is a small but mighty committee. We are happy to report that we have many articles in the pipe line ready for future publications. The magazine is limited in size, which can sometimes dictate the number of educational articles that can be published. The magazine must allocate space for paid advertising, President's Letter, Legislative notes, Conference registration, Committee reports, PD examine notices and applications for membership and scholarships. Our goal is to make the magazine attractive and informative to entice a broader readership. We would like to see our magazine sitting in the lobby of Real Estate lawyers and Real Estate offices. Certainly the CEA magazine should be placed in the conference room or lobby of every escrow office. Members automatically receive a copy of the magazine. Additional copies of the magazine may be purchased for $5.00 each. Should you desire additional copies of the next publication, please give me a call at (510) 709-5318. Membership At our last meeting we discussed asking AEA to allow a reduction of their membership dues for NEW members (have not been a member for the immediate prior two years) that apply after July 1. Knowing this would be a difficult discussion, our President, Kathy Lozano, prior to presenting this request, made contact with key people to enlist their support. This issue was not readily accepted, but in the end AEA has agreed to reduce their membership dues by 50%, on a 'go forward' basis. Kudos to our Prez, Ms. Lozano! The CEA dues will continue to be offered on a 'pay in installment' option for 2010. To be released shortly, is a scrip and letter to help escrow practitioners when making presentations or to use as a cover letter to a potential or new client. These letters can be used as marketing tools to encourage customers to seek escrow officers that are members of CEA and hold professional designations. Establishing these credentials should give the Realtor and consumer a higher sense of confidence in your skills. Members should include, as part of their signature line, "Proud Member of the Escrow Association of Santa Clara Valley, California Escrow Association and American Escrow Association". Forms and Practice Members are reminded to check the AEA website to be sure their contact information is correct. During these times, many people have changed jobs or prefer AEA notices to be sent to their home e-mail address. It was reported that the DRE website has made it easier for a consumer to submit complaints about Real Estate Agents to the DRE. The CLTA website contains substantial industry information, including recognition for the efforts made by CEA! The CAR website contains many consumer protection articles and website links. Page 7 Notes from the CEA meeting held in Long Beach August, 2009-Continued… Short Sale Payoff Demands: CEA sponsored SB306. This bill requires that short sale lenders address the demand to the title/escrow company. The bill has passed and will be effective in January 2010. As part of the conditions to satisfy the short payoff lender; the payoff request must include a copy of the short sale agreement, prelim and possibly the other lien holder's payoff demands. Also, when sending the estimated HUD to the short sale lender, the lender has 4 days to respond. Should the lender not respond, their silence is deemed as their acceptance. It is highly recommended that an audit of the file, by a different escrow officer, prior to closing, be made a standard part of closing with a short payoff; to ensure compliance with the short sale payoff demand. The new HUD/TIL/GFE requirements remain up to interpretation. Lenders are still working on compliance with the new regulations. The many questions concerning the new regulations posed to HUD, remain unanswered. Prepaid interest is now being considered a part of the financing fees. The story concerning a reverse mortgage payoff was shared with the committee. A daughter had been made successor trustee of a trust, because the mother had dementia. The Reverse Mortgage Lender delayed the issuance of a demand, while an approval process of the successor trustee, was completed. Be aware that some government offices, such as garbage lien departments, will be closed a day or two per month in order to meet the State of California budget needs. This may cause delays in obtaining demands. This committee is still working with Bank of America concerning their short sale demand requirement, to receive notice of ownership changes within 30 days after COE. In the meanwhile it was suggested that escrow officers seek their company's legal counsel for guidance. We are still finding lenders going out of business, so it is recommended that escrow close only on COLLECTED funds. NorCal With a feeling of success, it was announced that the conference was profitable. This was accomplished by streamlining every detail. We still have some credit card fees to pay to CEA. After payment of the credit card fees, it is anticipated that each region will receive approximately $800.00. This was extremely well received news, as every region, including ours, needs this money to meet the needs of their 2009 budgets. The committee is already working on the 2010 conference. The top priority; is moving the conference to July. We are awaiting the hotel confirmation for the weekend of July 16 and 17. We discussed the theme, committee assignments, topics and speakers for the 2010 conference. Respectfully Submitted Anita Rubeck, CEI, CSEO 2009 President and CEA Director Page 8 CEA DIRECTOR REPORT AUGUST 7-8 2009 ~ LONG BEACH, CA CEA held its 3rd director's meeting in Long Beach, CA. At this meeting we had elections for the 2010 Executive Board. I am very proud to announce I was elected to Vice President for the year 2010. I am very honored to have this new position and I really appreciate your support and confidence in me. Now for my report: BILL REVIEW: The CEA sponsored bill SB 306 was passed and signed by the Governor on August 6, 2009 just 1 day before our meeting! As you may remember this bill was to allow for 2 things: 1) to try and get the lenders to stop making the payoff demands expire the day you get them. After much discussion with lenders that was stricken from the bill (Boo!) Apparently sellers and borrowers are abusing the system by bouncing checks and cleaning out their credit lines just after a demand has been issued. Second part of the bill, which did stay in, deals with short sale demands. Effective 1/1/2010 escrow and title will be able to obtain a "Short Pay" demand which will outline the terms of the agreement with the seller. This was done so that we could rely on the terms of the short pay demand, which would be addressed to us. This is only in effective until 1/1/2013 unless reinstated. Your company software systems will need to have a "Short Pay Demand" form to use for this purpose. They still have 21 days to fill the demand request. There are other things in this bill having to do with escrow companies as well as notices of sale notification requirements. CEA won a huge victory for us. Other bills of interest: AB 33: The re-organization of the financial services. It would abolish the DOI, DOC, DRE and others into one called the DFS) Department of Financial Services. Apparently the Govenvnor wants this passed before he leaves office. As we all know the State is famous for passing laws without a plan for them. This is no different. There is a lot of disagreement in Sacramento, but the pressure is on to pass this. I will keep you posted. AB 329: Reverse Mortgages. Will go to the Governor to be signed. Remember this one has the lenders giving the borrowers at lease 10 nonprofit counseling services to choose, from that have been approved by HUD, that they MUST talk with 1 before they can obtain a reverse mortgage or insurance products. It has many other disclosure features as well. AB 442: Notaries: Using the Matricula Consular card as identification. It will go to the Governor to be signed. There is still huge debate over this bill. But we may be asked to email the Governor to veto this bill. At the last minute the district attorneys for the state withdrew their objections. NNA and CEA and CLTA are still against it. AB 457: Was signed by the Governor on 8/6/09. This says that mechanic's liens require proof of service. Failure to do this could void the mechanic lien. AB 724: Transfer upon death bill died in committee. This one, had it passed, would have allowed an owner of real property to transfer the property to an heir to avoid probate. The deed would have only been effective upon the death of the owner. Every one was against this bill. AB 919: Information on all parties to a transaction (real estate agents and mortgage brokers) would be recorded on a rider to the security instrument with their license numbers. Now a 2-year bill. AB 957: REO'S and allowing buyers the right to choose their title and escrow providers instead of the asset manager. The one will go to the Governor to be signed. It should be noted that this bill would allow the buyer to choose provided they pay for the title and escrow fee. AB 985: Discriminatory restrictions. If this gets signed by the Governor, it will pass the problem onto the recorders who then have the ability to charge an additional fee to redact the discriminatory restrictions. Feeling is the Governor will veto this one. There were many more but those were the highlights. My other committees: AEA: Discussion was had regarding the 2010 conference. California was charged with coming up with the give-away stuff. California has Carolyn Marcial as 2nd Vice President for AEA. AEA has, on their website for all CEA members, the new HUD and information concerning it, in preparation of the January 2010 start date. Page 9 CEA DIRECTOR REPORT~AUGUST 7-8 2009 ~ LONG BEACH, CA – Continued… Professional Designation: I am in charge of an Ad Hoc committee to see if the PD test can be taken on line. All revised PD tests (CEO and CSEO) on the CAR contact format will finally be available beginning January 2010. We started this project almost 5 years ago. It finally it will come to pass. I thank Linda Bentson for the idea which I took to CEA. Committee is working on study material for the CET test. Also the practice tests that are on the CEA website are being corrected. There have been only a few tests given this year due to the economy. That is it for my committees. As a last note here, CEA is healthy financially although we are on track to lose money this year due to the decline in membership. At our retreat in November when we plan 2010 we will explore the idea of having face-to-face meetings for January and March and teleconferencing meetings for the balance of meetings. CEA is doing everything it can to reduce the costs and conserve where it can. Membership drives any association and CEA is no different. If every member brought in 1 new member we could double our membership count. Be proud to be a member of CEA and spread the word. Respectively submitted: Lena Signor, CSEO, CEI CEA Senior Director 2009 Secretary-Treasurer for CEA Page 10 EASCV BUDGET FOR 2009--AUGUST 2009 Annual Remaining 2008 Annual Category Aug-09 Disbursed Budget 2009 Balance Disbursed Budget 2008 Expense Marketing/Web Site $123.75 $588.49 $850.00 $261.51 $1,078.31 $1,800.00 AEA Conference $0.00 $0.00 $3,020.58 $1,800.00 Bank Charges $30.00 $30.00 $26.43 $30.00 CEA Directors $604.37 $1,638.84 $3,200.00 $1,561.16 $4,324.22 $5,000.00 Dinner Meeting Cost $456.95 $750.00 $293.05 $4,550.00 $7,000.00 Donations $0.00 $500.00 $500.00 Personal Donations $416.00 Fundraising Expense $500.00 $500.00 $500.00 Holiday Turkeys $0.00 $250.00 $250.00 Installation Cost/Wine Membership Expense $60.00 $60.00 $61.84 $300.00 Newsletter $65.00 $520.00 $780.00 $260.00 $780.00 $780.00 Historian $0.00 $250.00 PD/Education costs $250.00 $250.00 $445.75 $1,000.00 PO Box fee $96.00 $110.00 $125.00 $15.00 $94.00 $125.00 President's Fund $0.00 $0.00 $0.00 President's Plaque $35.00 $35.00 $32.48 $20.00 Raffle Prizes $314.94 $600.00 $285.06 $739.51 $900.00 CEA raffle $100.00 $150.00 $150.00 $150.00 $400.00 Scholarships $0.00 $0.00 $0.00 Speaker Costs/Gifts $50.00 $100.00 $50.00 $1,250.00 $2,000.00 Storage Rent $506.00 $500.00 -$6.00 $456.00 $500.00 Tax Obligation $10.00 $10.00 $10.00 $0.00 $10.00 $10.00 Tax Preparation $420.00 $500.00 $80.00 $489.00 $500.00 Escrow Trivia $0.00 $0.00 Expense/All Other $0.00 $0.00 $50.00 Board Meeting Expense $250.00 $250.00 $670.09 $750.00 Total $999.12 $4,615.22 $8,690.00 $4,074.78 $19,344.21 $24,465.00 2009 2008 Income Received 2009 Budget Received 2008 Budget Earned Interest $0.55 $0.55 $4.93 $20.00 Returned Check Charges $0.00 $0.00 $0.00 Dinner Meetings $2,089.00 $2,000.00 -$89.00 $4,405.01 $10,000.00 Fundraising $225.00 $225.00 $0.00 -$225.00 $0.00 $400.00 Membership $775.00 $700.00 -$75.00 $1,250.00 $1,500.00 Miscellaneous $0.00 $0.00 $0.00 $0.00 NorCal $500.00 $500.00 $881.68 $2,500.00 PD/Education $0.00 $695.00 $2,000.00 Raffle -$45.00 $588.00 $1,200.00 $612.00 $928.00 $2,045.00 Investment CD Withdrawal $4,290.00 $4,290.00 $6,000.00 $6,000.00 Personal Donations $416.00 Total $180.00 $3,677.55 $8,690.00 $5,013.55 $14,580.62 $24,465.00 Page 11 Escrow Association of Santa Clara Valley Minutes of the August Board Meeting Dated: August 18, 2009 Called to Order: 5:47 p.m. By President, Anita Rubeck At: Old Republic Title Company 1900 The Alameda, 2nd Floor, San Jose, CA 95118 Attendance: Anita Rubeck, Lena Signor, Joette Joseph, Linda R. Murphy, and Jackye Chai. Absent: Joseph Difu, and Philipe C. Doren, and Colleen Gallagher. Guest: None. 1. Approval of Minutes: A motion to approve July 14th, 2009 minutes was made by Joette Joseph; seconded by Lena Signor. Motion carried or as amended. 2. Treasurer's Report: A motion to approve amended July 2009 Report was made by Lena Signor; seconded by Linda Murphy. Motion carried as amended. a. Bills to submit: $115.00 to JC Vasquez for August newsletter & website. $ 19.95 to Daniel Eisenman for August web hosting. $410.32 to Anita Rubeck for CEA Directors meeting $100.00 to Anita Rubeck for reimbursement of CEA raffle tickets Discussion: Joette ordered new checks – cost for 200 was $93.69 to be noted under bank charges in the budget. b. Funds to deposit: $180.00 from sale of Entertainment books. Discussion: Anita reported that each region may be receiving $800.00 from the NorCal Conference. 3. Membership – Linda Murphy a. Amount of total members: 32. 29 individual active, 2 individual associate and 1 individual inactive members. b. Anita received the membership list about 20 minutes before the meeting and Pam Jackson and Colleen Gallagher do not show as members. We will continue to follow up with CEA on this matter. Due to budget cuts, CEA's staff has been reduced and is causing delays. Lena hasn't submitted the membership applications of Mary Lazo and Pam Mannia, yet. I need contact information for Lucinda and Jackie Sylva to follow up with their membership applications. 4. Professional Designation: Lena Signor. a. No report at this time. 5. Site – Philipe C. Doren a. Subject: Mock Trial – Part II on Sept. 15th, 2009. b. The menu for the dinner meeting will be pizza and salad. 6. Fundraiser Committee – Entire Board a. 42 Bay Area 2010 Entertainment books are here. The cost is $30.00 for each book. Anita will create an article for our September newsletter, and we sell them at the September, October, and January dinner meetings. There will be a video regarding the books at the September dinner meeting. The books contain approximately $15,500.00 worth of savings. We make a profit of $6.00 for each until we sell 50 books and profit rises. 7. Historian/Photos – Joe Difu. a. Pictures of our Mock Trial? Page 12 8. Raffle Report – Colleen Gallagher and Jackye Chai a. We will have an Entertainment book as a raffle prize. b. We should continue to sell the raffle tickets as: 1 raffle ticket for $5.00 and with the $5.00 raffle ticket is a water or soda. With the $15.00 (3 raffle tickets) we offer a glass of wine by handing the purchaser a glass for Philipe to pour the wine. 9. Speaker Gift – Jackie Chai a. No speaker gifts are required as our CEI professional designation holders will participate in various roles of the Mock Trials for September dinner meeting as well as earn PD credits. Their help is extremely important and greatly appreciated. Reminder: Send "Thank You" cards to each participant. 10. Old Business: a. Nominating committee/slate of officers. After doing some research with CEA and our own bylaws the following is an outline of what we can do for our election in 2009: i. 8-18-09 Appoint someone who will not be on the board in 2010 as the nominating committee. Suggestions were discussed for potential Nomination Chair's and Anita will obtain their willingness to service. Due to budget restrictions, we will not have a President Elect position for 2010. ii. 8-20-09 So far we will need "willingness to serve" from Marie Barber, Linda Bentson, Philipe C. Doren, Jason Herrera, and Vickie Tribulas for 2010 slate. Anita was given the ("WTS") from Lena Signor, Joette Joseph, Linda Murphy, Jackye Chai and of course, her own to pass along the nominating chairperson. iii. 8-25-09 Give Jennifer/EASCV notice to post in the September newsletter that we will send ballots via email for returning via email. iv. 9-1-09 "Willingness to service" letter due to Nominating chairperson. v. 9-8-09 Nominating committee chair to report to current board that "willingness to serve" letters have been received. vi. 9-15-09 President to announce at the general dinner meeting, the slate of officers and ask if there are any nominations from the floor, three times. President announces that the ballots will be sent out via email and they are to be returned via email to the Nominating chair. vii. 9-25-09 Send the ballots to the members via email (Jennifer can do this). Information must contain the due date and a write in candidate line to be returned to the Nominating chairperson. viii. 10-17-09 Ballots due from members. ix. 10-20-09 President to announce winners at the board meeting. x. 11-10-09 Set date for both boards to meet in Dec. 2009. xi. 11-17-09 Installation Dinner. Designate someone to request that the ballots be destroyed. b. Lena will draft an amendment to our bylaws to include electronic voting and check into the requirement, does the "nominating chairperson" have to be a member of our association to conduct the nominating voting procedures. c. It was also mentioned that we need a "catastrophe" amendment to our bylaws in the event we are vacant the executive board members of our association. d. Judi Souza reported to Anita that she did attend the AEA Conference in Reno, NV this year and Judi agreed to submit a report for our July newsletter. We need to follow up with this matter. e. Anita and Lena will follow up with Kathy Lozano regarding her AEA Conference report. She attended the conference with our proxy/delegate votes. 11. New Business a. Need to induct Nancy Tarr with First American Title Company – Escrow Operations for Western region at the September dinner meeting. Page 13 b. Anita reported that CEA is putting together a "Dear Potential client" letter to help PD holders market themselves. CEA is also working on a "Broker owned" letter, too. Anita read the "rough" drafts of both letters. We will wait for CEA to approve both letters before circulating them to our PD holders. c. The Mock Trial was mentioned at the August CEA Directors meeting held earlier this month. CEA is considering the idea for CEA 2010 Conference next year. It would be fun for the County managers to play the roles the next time we attempt to put this production on. d. Lena reported the CEA Annual Conference will be in Orange County. In 2011 (Lena's year) the annual conference will be Orange or Ontario county. All the directors meetings will be conducted in southern California next year. The retreat this year is in Long Beach. Membership is at approximately 1,100 – down from the usual 2,000 in years past. e. Next board meeting will be on Sept. 8th, 2009 via teleconference. Adjourned at 6:55 p.m. Respectfully submitted Linda R. Murphy, CEO Certified Escrow Officer Secretary for the Escrow Association of Santa Clara Valley Page 14
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a garment of clothing or a handtowell used to wipe up one's wank juice after a five-knuckle shuffle.
"craig you mad ed, dont throw your crusty jam rag at me! Oh great, now the dogs licking it!"
by corpsio October 08, 2005
7 more definitions
Top Definition
Sanitary towel, used by menstruating females. Jam = blood, + rag.
Cognate with 'on the rag': menstruating.
Cognate with 'on the rag': menstruating.
She needed to change her jamrag.
by starflier December 08, 2003
n. a used tampon or sanitary towel
she left her jam rag on the floor, that's bogging
by lingurgitator December 17, 2004
Sanitary Napkins, used by women during menstruation. These of are often disposed of into a container next to the water closet, they are often fall into the hands of a pedal bin vampire.
Sandra applied the jam rag to her vulva, since her menstrual flow was heavy, and chewy bits were abundant.
by Clinton Sounds February 04, 2004
An insult.
A 'jam rag' defined would be a piece of cloth used to absorb blood from the menstrul cycle.
Ergo, the person the insult is fired at is the rag.
A 'jam rag' defined would be a piece of cloth used to absorb blood from the menstrul cycle.
Ergo, the person the insult is fired at is the rag.
You fucking jam rag!
by Maryy November 27, 2007
The cloth or paper towel used to wipe away the jam from one's face after devouring a jam filled doughnut.
After polishing a doughnut off in the cafe she grabbed a paper napkin to wipe away the excess jam residue from her lips and surrounding area thus creating a 'Jam Rag'
by chrisbibby September 28, 2009

subset: commoncrawl


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We want you to love uKnowKids, and so we offer a 7 Day Free Trial so that you can try out uKnowKids with absolutely no obligation. Let us know if you have any questions or suggestions. We love hearing from our customers.
All you need is the username and password to the social networks you would like to monitor and/or to download the uKnowMobile app after you have received your Activation Code from registration to get started.
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I myself have never used the Amazon products, but have had rave reviews from customers who come into the store glad to see the stuff there. If you also have a quantity of teak aboard, Amazon''s acid-free teak cleaner works quite well. I recommended it to a couple that had small children and a dog on their boat, giving them the information I had gotten from others about the other Amazon products. It worked so well for them, with so much less of the skin aggravation you have when you use other teak cleaners, that they came back and bought 3 more bottles to keep in store.
You are correct, one should never, ever use Clorox bleach (or any mix of chlorine bleach, not necessarily the wonderful brand name without which I would not be able to do my laundry or clean my toilets or disinfect my dogs'' kennels) to kill mold other than in very small quantities or in an open air environment. Exposure in a tight air space to even the cleaners like the Clorox "Clean-up" can release enough fumes to cause hemorrhages in the eyes and brain tissue (yuck, but true). Thus, the warning, "Use in a well-ventilated area."
And, as mentioned before, if storing for the winter, or for any length of time, please use the dehumidifier products available. They really do work with a minimum of effort.
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As the title states, I'm looking for the Riot Games/LoL customer support line bc i have a huge emergency and the tickets take too long for them to reply. If you have it, pls help!
Senior Wrenchmen
There is no way to call the support. The only thing I could offer you is to tell me about your problem and to forward it.
BUT I don't believe your problem is more important than those of people who are waitinig for a response to their ticket.
If you need to contact me priavate about it, please use our chat: http://webchat.freenode.net/?channel...flegends-hilfe
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When should I plant asparagus crowns in NYS Z4?
Hi. I am in the Northern Catskills in zone 4. Last summer I created a raised bed using the "lasagna garden" layering method of peat, compost, manure, etc. The bed is intended for asparagus crowns, which I plan to plant this spring. In zone 4, what is the best time to plant the crowns?
My situation is a bit complicated in that I reside in NYC and go upstate mainly on weekends. I need to coordinate the delivery of the crowns with one of the weekends I am going upstate so I can do the planting. Trying to figure this timing out ahead of time so I can get those crowns in at just the right time.
The asparagus sellers I spoke with said late April was a good time to plant the crowns. I suspect that is a bit soon for zone 4, where spring really doesn't seem to hit until mid or late April, but what do I know? I seek enlightenment and appreciate any assistance.
Asparagus crowns go in as early in the spring as the ground can be worked. You don't want the ground boggy from snow melt though. I live in the very northern Catskills in zone 5 (we must not be as high up as you are) and planted mine 3 years ago in early April.


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Georgia Southern University president Bruce Grube announced Monday he would resign his position effective June 30, 2009 - exactly 10 years after he arrived on campus to serve as the university's 11th president.
Studio Statesboro Vodcast - Monday, November 24, 2008
Two men robbed a local fast food restaurant just after midnight early Monday morning and took money from an employee counting the night's deposit.
The Main Street Farmers' Market will offer folks one more chance to shop for locally grown foods before their market season comes to an end. The parking lot of the downtown Sea Island Bank will, once again, be the sight of the Market. It is set for Tuesday evening from 5:30 p.m. to 8 p.m.
Studio Statesboro Vodcast - Friday, November 21, 2008
Studio Statesboro Vodcast - Thursday, November 20, 2008
A police standoff ended peaceably Thursday around 6 p.m. when a man eluding arrest gave himself up to police at his mother's request.
Statesboro Police don't think three armed robbery incidents this week are related, but warn citizens that the holiday season also brings the crime season, with an increase in robberies, burglaries and other crimes.
Lines won't be likely today as some voters get in early to cast ballots for the run off elections. Bulloch County Probate Judge Lee DeLoach said he only expects about 15 percent of the county's voters to show up at the polls.
When it's all said and done, the Georgia Southern University Festival of Trees hopes to raise $3,000 for the local Toys for Tots campaign.
With holidays upon us, the Statesboro Food Bank is facing the same kind of dilemma the economy is casting on everyone. With fewer supplies and an increase in demand, the local food bank board is facing possible cutbacks in how many times a person can receive a week's worth of balanced meals per year.
What does breakfast have to do with dictionaries? Go to Snooky's Restaurant Sunday morning, Nov. 23, and you'll see.
Studio Statesboro Vodcast - Wednesday, November 19, 2008
Studio Statesboro Vodcast - Tuesday, November 18, 2008
At this year's Speak Up for Education, some principals told parents how increased flexibility in how money is spent and teachers are assigned will be put to use in school improvement plans.
Ogeechee Technical College signed articulation agreements with Valdosta State University on Wednesday, simplifying student transition between the two institutions of higher education.
A man and woman seen smoking methamphetamine in a convenience store parking lot ended up in jail on drug charges, while the small child with them was turned over to a grandparent, according to the Bulloch County Sheriff's Office.
Statesboro police are seeking a woman reported missing since Feb. 24.
For the first time since Statesboro City Council resumed Alcoholic Beverages Ordinance hearings last fall, a business declined to plead guilty, instead challenging the way the ordinance is being applied.
Georgia Southern University's Jiann-Ping Hsu College of Public Health welcomes retired Army Maj. Gen. David Rubenstein, FACHE, to campus as the featured speaker for the Healthcare Symposium on Wednesday from 2-3:15 p.m. in the Performing Arts Center.
First Friday will feature green foods, green drinks and green treats.
Debra Chester was recently recognized by the Archibald Bulloch Chapter of the National Society, Daughters of the American Revolution for her extensive volunteer work with the Statesboro Main Street Farmers Market.
Georgia Southern University's Sexual Assault Response Team is hosting Sexual Assault & Spring Break Awareness Week on campus this week through Thursday. The week aims to unify individuals against sexual violence with two major events scheduled throughout the week as part of the campaign.
The Georgia Chamber of Commerce took no position on the original version of House Bill 170. But the state's largest business advocacy organization has endorsed subsequent versions, and Georgia Chamber CEO Chris Clark said Monday that annual spending for highway improvements in the state needs to be increased by $1 billion.
Nominations are being accepted for the 2015 Deen Day Smith Service to Mankind Awards.
A Portal-area man was killed Saturday morning in a two-car accident on Georgia Highway 119.
The Vidalia Onion Committee announces the Fourth Annual Golden Onion culinary competition on April 26 in conjunction with the Vidalia Onion Festival. The competition is open to all professional chefs in Georgia.
Mike Blinder is a successful small business owner and multimedia consultant and one of his favorite things to do is share his experience and expertise in marketing.
Attorneys for the parents and estate of Michael Joseph Gatto, 18, who died after a violent encounter at the now-closed Rude Rudy's bar Aug. 28, have filed notice with the city of Statesboro alleging more than $11 million in damages and that the city is to blame for not enforcing its own alcohol laws.


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The Maxwell volleyball team defeated Hayes Center (2-8) Tuesday in straight sets, but lost to Paxton.
The teams squared off in the Paxton Triangular.
Maxwell fought off Hayes Center 25-22 in the first set and handily won the second, 25-13.
But in the second game, Paxton (11-3) got revenge against the Wildcats with a two-set win, 25-17 and 25-12.
Maxwell (5-9) previously defeated Paxton on Sept. 15 in three sets.
For Maxwell, Kayla Stenger had 23 assists and an ace serve in the two games. Teammate Aura Adkisson had six digs, six kills and one ace serve, and Tracy Blake came up with 11 digs, three ace serves and three kills.
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"Here a Lea, There a Lea - Everywhere a Lea, a Lea!" Part 1
November 8, 2013
The Confederate general had nothing to do with it. Someone who'd been working on the railroad didn't know how to spell. Lee's Summit, Missouri, has an elementary school, a middle school, and a park, all bearing the name Pleasant Lea.
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November 7, 2013
Samuel Pepys was a man of somewhat humble beginning, but he also had family in the British government and that had gone to Cambridge. These connections provided him an entry into the Admiralty where Pepys spent much of his working life.
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October 31, 2013
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October 29, 2013
Most of us are familiar with Psycho, Alfred Hitchcock's 1960 classic suspense film about a timid serial killer who "wouldn't hurt a fly," but have you ever read Robert Bloch's dark novel which inspired the legendary screen gem?
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Where you spend your time...
Just reading an old House Beautiful mag which contained this quote:
"My clients who have these vast 20,000 sq ft spaces tend to live in the smallest rooms. I find that fascinating."
Stephen Shubel
YES! I am certain it is true. As I spend my time at home, waiting to hear if I will be declared "disabled" by Social Security, I have a nice kitchen island, a big bedroom, a soon-to-be exercise and craft room to work on, and a library/music room that needs have a little organizing work done so I can take my "done" photos. Where can you find me? In my chair in the family room, with my drawer of pens and anything else I need, my kleenex box, a place for my coffee or water, the phone, a basket of my magazines and my laptop, a waste basket, an organizer with my current bills, health info and other projects, a radio and the TV remote all in reach. Sometimes my chair looks like it is surrounded by a hoarder's junk.
I think it is true~~ When DH passed away, I felt so alone and lost out in the LR, that I spent most of my time in my bedroom...with books, recliner and TV...it was so much cozier in there.....or else, back in my small office on my computer. Big spaces are cold and lonely to me...that is why I think I will like my "smaller house".
to quote phoggie :"Big spaces are cold and lonely to me" I agree.
Although I would like a bedroom that had the following:
1)would like to be able to walk around the bed instead of climbing out from the corner
2)would love a fireplace with 2 chairs or sofa and a small table to hold tea
3) ensuite bath with dressing area/closet between bedroom and bath.
I have four rooms (1 of these is storage-bureaus, bookcases, coats) and live in three of them. I spend most of my time in the kitchen & sitting room. When I really want to retreat I head for the bedroom which is the smallest room at about 9x8'(not including the loo). This is where I will can be found underneath a pile of blankets with my cat curled up passed out next to me.
"My clients who have these vast 20,000 sq ft spaces tend to live in the smallest rooms..." Why don't they just cut to the chase and live in a small home ? Oh I know, because it doesn't fit in with their social standing...
I know a number of people who have added onto their mc mansions...I think they keep trying to find a space where they feel at home....but they keep building spaces in scale with the rest of the house and are still unhappy...they don't know why and would never think that a smaller space would be beneficial.
Annie, you and others helped to ease my panic last year when I was worried about ending up with a living room that wouldn't be as cozy as my current living room. Our current living room is roughly 12' x 12', with a ceiling that's under 8', and it's the room where we spend much of our time contemplating the new home we're dreaming of building one day. One of the books I read early on in our journey was "House Thinking" by Winifred Gallagher, and she talks about taking the time to remember the rooms you've been in over the course of your life, and how you felt in those rooms. Hubby and I realized, as much as we admire vaulted ceilings and grand spaces, in all honesty we didn't feel comfortable in those spaces - we felt comfortable in our little living room! Still in the dreaming stage at this point - starting to interview architects - fortunately we have the luxury of time. Having read how long it took you to work out your design with your architect has been very reassuring! I just know that we will also take our time and work through lots of details before we ever break ground.
I'm attaching a photo of our living room - every Saturday morning we're sitting by the fire, enjoying a croissant and hot mocha - bliss!
Thinking more about the question posed in this thread, my DH's comment to his friends who were here on Superbowl Sunday came to mind. We were talking about how we had added a 3/4 wall to separate the kitchen from the family room, when most people were tearing walls down. DH gestured toward the corner pictured in the link below and said how much he liked having a wall to hide behind there, in his cozy corner with BB, Max, and Jerry. He is always sliding his chair back further into the corner when I pull it forward. He obviously likes his small, more enclosed space there more than a more open area in which to relax.
Here is a link that might be useful: Bill's Nook
"Bill's nook" love it Nancy. We all need a corner to retreat to. One of My spaces: I stand near my fire escape window(while having my wine or a pint) and comment on who's cooking dinner across the way. One neighbor is up at 4:30 am and cooking at night until around 11:00pm. The group down below bring in take-away. Another neighbor directly across the alley has a kitchen with short (36") cabinets and no special features but I find it so relaxing to look into. She has hanging plants, kitchen cafe curtains, and a calendar on the wall. If I look closer I can see shirts hanging on the doorway frame to dry-practical(exactly what I do).
Thank you for the kind words, phoggie and eatrealfood - I often joke with my husband that interior decorating is my hobby. (Hunting for bargains and treasures is a huge part of the fun!)
I'll admit it will be very hard to leave our little home someday - we've lived here over 20 years, and have enjoyed many DYI projects along the way. (The first ten years we lived with the builder's creamy white walls, and then one day I announced to my husband that I needed some color - a few years later nearly every room in the house was a different color! LOL!) But I must admit a couple of years ago I was taken by the longing to follow in my grandparents footsteps and find a small vacation/retirement cottage home up on a nearby island (Whidbey), and so we began the hunt for a little getaway home. Alas, we fell in love with a view and ended up buying a large piece of property, so now we face the journey of building our little cottage. Exciting (ooo, more rooms to decorate!) and daunting (ooo, this is sooo expensive!). :-)
carpecattus, no wonder you spend so much time in such a lovely room! If you are thinking vaulted, do think about barrel vaulted. We have one in our dr and it yields such a different warm and cozy feeling vs the std cathedral vault.
EatRealFood, my friend who lives in a mc mansion (5 bedrooms each with their own baths and walk in closets) added on this enormous sun porch...and then he said he was thinking about finishing off the basement. I said to him, "Why? Because your family members are still able to find each other?"
Annie, with each having his/her own bedroom, dressing room, and bathroom, your friend may be hoping that a rec room in the basement lures some of them to mingle together!
Am I the only one who feels rejected when DH wants to go spend part of his evening in another part of the house? I mean, he is only home about three hours before he goes to bed, and being home alone all day, I like to be around him when he is here. If he wants to do music, I understand him going to his music room, but if he is web-surfing or reading, I like him in the family room with me. A larger house than what we have now would not get used much.
Annie--I love your comeback/question(tell your friend I said 5 bedrooms with their own baths are actually called B&B's...)
Nancy--I feel for you. Ask him to give you 2 1/2 of those 3 hours before he retreats.
We are in the same room(sitting room/kitchen)either on the computer, reading or reading out loud to each other...It's nice to be in the same room even if you are just reading or cooking or daydreaming. And my cat stays close by too so she must feel the same way. We have a choice of the sitting room/kitchen space or the bedroom so there's not much distance.LOL. One of us will use the bedroom for some alone time(like watching a DVD).
I imagine that if we ever get a larger place(maybe 1000-1300ft)we will still huddle in the same room(as long as the books and food are nearby that is !)
ERF, we have even tried using headphones so that the one watching the noisy media will not disturb the other, and we can be in the same space. It sometimes feels like a plaster wall, though. We are always reading things to each other, either from an email, Facebook posting, or article on the web. He'll laugh and I will stop what i am doing to hear the joke. We surf separately, but together....
My small house has all small rooms, only one bathroom and it's plenty cozy. My in-laws thought it looked claustrophobic, so many walls close together. But it suits us. Used to be four people-me and DH, two daughters, plus pets. Now it's just 2 people and 2 cats and one dog.
jannie-I guess at the time you were thinking to yourself "well if they(in-laws) think the house is too small, they will never live with us" LOL
Sounds like you have a full house.(My cat takes up a lot of space, we always move out of the way on the sofa) :)
New here -- planning to downsize in about 5 - 7 years when we retire and move away. Out current house, of the last 29 years, is about 3600 square feet and we still use it fully from time to time, but with an empty nest, we do most of our living in a central core, consisting of den, kitchen, mbr and office. Although we have two larger living areas in a great room and living room, we spend most of our time in the den, even when we have 1 or 2 friends over. More company and we do relocate to the great room, but I honestly can't remember the last time we entertained in the living room. The den is the smallest living space and it is the only room with 8 " ceilings, but it is cosy and charming and definitely where we really live. Our bedroom opens from the den and the kitchen overlooks the den, so it makes it convenient for daily living too. I'll often come in the bedroom to watch tv, if DH is watching a "man" show. The den tv and the mbr tv are probably about 7 feet apart with a wall in between, but we've solved the noise problem with TV ears in the bedroom. Those block out all the noise from the den and I can have the volume off in the bedroom
and just use the ears. The dogs don't like closed doors (nor do we) and they to sleep in the doorway between the den and the bedroom so that they can keep an eye on both of us at the same time. If we can work though storage issues, I really think we're going to enjoy downsizing in a few years.
I don't post here much, but I do enjoy reading. I just have to mention though that I think ERF's post about "I stand near my fire escape window(while having my wine or a pint) and comment on who's cooking dinner across the way.", and how their kitchens look, etc. reminds me so much of Alfred Hitchcock's movie Read Window. Be careful, you might catch one of your neighbors committing a crime... :-)
Our favorite cozy small space is the sitting room just outside the bedroom upstairs. We managed to get a fireplace, TV and sitting area nestled in a big dormer. We just finished the remodel there and it is wonderful!


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Looking for the best trails around Palm Beach Gardens, Florida? Find the top rated trails in Palm Beach Gardens, whether you're looking an easy walking path or a long bike trail, you'll find what you're looking for. Click on a trail below to find trail descriptions, trail maps, photos, and reviews.
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C-13 Canal Greenway Trail
2 miles
C-13 Canal Greenway Trail offers a paved, flat, and open route from the outskirts of Oakland Park through Lauderdale Lakes. From NW 31st Avenue to US Highway 441 (State Road 7), it parallels the northern bank of the canal on one side and backyards ...
Cypress Creek Greenway
2.6 miles
Cypress Creek Greenway lies just outside the Everglades' eastern border in the southeastern Florida city of Tamarac. Broward County plans to one day extend the trail farther east to the shoreline with spurs connecting the communities of North ...
El Rio Trail
3.8 miles
The El Rio Trail parallels the canal of the same name, through Boca Raton from Glades Road/SR 808 north to Clint Moore Road. There is one break in the trail where it crosses NW 51st Street/SR 794/Yamato Road. There is no crosswalk here, and ...
Glades Road Path
2 miles
Glades Road Path is a paved 2-mile commuter route through Boca Raton, connecting shopping areas, workplaces, residential neighborhoods, and schools (Boca Raton High School and Florida Atlantic University). A juncture with the El Rio Trail also ...
Lake Okeechobee Scenic Trail (LOST Trail)
110 miles
The Lake Okeechobee Scenic Trail—which also goes by the unfortunately named acronym LOST—is a designated segment of the Florida National Scenic Trail. LOST circles the lake of its namesake, the second largest freshwater lake in the contiguous ...
Ocean Boulevard Path
4.7 miles
Ocean Boulevard Path parallels the nicely landscaped roadway for nearly 5 miles through Boca Raton on Florida's southeastern coast. The northern end of the trail connects three popular parks -- Spanish River Park, Red Reef Park, and South Beach ...
Palmetto Park Road Path
5.5 miles
Palmetto Park Road Path offers a paved east-west route from Boca Raton to Sandalfoot Cove. The 5.5-mile trail offers a convenient connection between residences, busy shopping areas (such as Palmetto Park Square), and recreational amenities (Sugar ...
Plantation Canal Path
7.5 miles
Plantation Canal Path connects the cities of Sunrise and Plantation in southeastern Florida, just outside of Fort Lauderdale. It begins in the county's Markham Park, where you'll find typical park amenities such as parking, restrooms, playgrounds, ...
Plantation Preserve Linear Trail
1 miles
Although only about a mile long, the Plantation Preserve Linear Trail has two unique features. It bisects a public 18-hole golf course (the Plantation Preserve Golf Course) and has water paralleling the trail on both sides. As it traverses wetlands, ...
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Explore the White Mountains, just two hours outside of Boston
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The median home value in Agoura Hills, CA is $755,800.
This is
higher than
the county median home value of $445,300.
The national median home value is $170,100.
The average price of homes sold in Agoura Hills, CA is $755,800.
Approximately 75.2% of Agoura Hills homes are owned,
compared to 18.8% rented, while
6% are vacant.
Agoura Hills real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Agoura Hills real estate agent to arrange a tour today!
Learn more about Agoura Hills Real Estate.
A unique style,a unique setting,for the unique in you!Settle into this wood cabin tucked in the mountainside along the shores of Malibou Lake w/front seat views of Sugarloaf Mountain.This fantastic home,w/new hardwood flooring,is dripping with rustic charm where every room has a view.Making this home seem much larger is that both bedrooms are on separate levels,each w/ensuite bathrooms and private entrances,in addition to a family room facing the lake and a living room with fireplace.The kitchen was recently refurbished with granite and ss appliances.Choose your outdoor seating from the large wood deck flushed with floral and succulent gardens,to a backyard sitting area with a small pond,to a three level dock pieced with Manzanita bushes and Eucalyptus trees along the lake.All members of Malibou Lake have fishing,boating,swimming,tennis and clubhouse privileges.Enjoy the privacy of this gated community where your neighbors are your family;a town,a lake,a home,a way of life!
A backdrop of picturesque views and awe inspiring sunsets, this beautifully appointed custom built hilltop estate is located in highly desirable Old Agoura. Upon entering the foyer, distinctive architectural elements provide a unique identity to this generous size home. A Viking stove top, custom cabinetry and magnificent view of Lady Face Mt. provides a pleasant cooking experience. Adjacent, the quaint family room has a cozy stone fireplace and sliders leading out to an inviting patio with a built in BBQ. An elegant living room, with fireplace and bar open to an expansive balcony with stunning mountain views. An enormous master suite w/fireplace, sitting area and walk-in closet open up to the backyard. The spacious upgraded master bath boasts a heated sunken therapeutic spa and a separate tiled shower. Dual-paned windows throughout and custom awnings keep the home cool during warm summer months. Near award winning schools, hiking and biking trails, shopping and minutes to the beach.
One of a kind Townhouse-Like home within its community centrally located on the main greenbelt in Agoura Hills with close access to Santa Monica Mountain Hiking Trails and within the Las Virgenes Unified School District. This 3bdr. 2.5ba. 2 car attached garage, 2 Story Townhouse has been remodeled in every way possible. The front patio is laid with brick and is home to 20 Rose Trees with a drip water system and the back patio is also laid with brick and is home to 4 Rose Trees with its own drip water system. Inside one will find a tasteful and elegant remodel of the entire unit with high end wood laminate floors from top to bottom, tiled kitchen counter with bar seating, built-ins throughout to create depth, double pane windows, plantation shutters, 2 zone climate control, added attic and ample storage throughout the entire unit. Community Pool & Spa with BBQ?s and Fire Pit adjacent to the Community Tennis Courts with plenty of guest parking.
ONE OF THE BEST VALUES IN AGOURA HILLS! "Town & Country" Condo located in one of the most private locations in the complex. This 1st floor condo was recently remodeled with new flooring; newer kitchen cabinets & countertops; new windows & sliding door and new bathroom finishing's/fixtures. Did I mention the in-unit Washer & Dryer? *Ask for Details* The oversized patio offers plenty of space for a BBQ AND patio furniture. The Town & Country Condo Complex offers a serene setting but is also nearby and walking distance to grocery stores, shopping & Starbucks. Short drive to Malibu, the Beach & Pepperdine University. Highly acclaimed Las Virgenes School District. This won't last so act quickly!
Here is an opportunity to live in the HIGHLY DESIRED HILLRISE COMMUNITY within the LAS VIRGINES SCHOOL DISTRICT. Perfectly situated on the top of the hills, this very light and bright 4 bedroom home has 1 bedroom downstairs. Flowing floor plan with living room, dining room and a bright kitchen open to the family room with vaulted ceilings. Sliding doors lead to a large, lovely and serene back yard with direct access to the green belt and VIEWS of the hills. Upstairs, there is a large Master bedroom with sliding doors leading to the balcony that overlooks the backyard and hills, plus 2 bedrooms. New carpets coming soon.
Loloma Ranch - A rare opportunity to own this very special property -- 40 acres (yes 40 acres!) at the west end of chic, Lobo Canyon (overlapping into Malibu). Breathtaking mountain views surround one of the most private properties in all of Los Angeles. Unbelievably quiet. Remarkably beautiful. If it?s privacy that you seek, there is not a better property on the market! 5 beds, 5 baths, 5661 square feet, plus a guest house. Build a stable. Bring your horses. Plant some grapes. Make your own wine. 2 wells for water ? You?ll never have to pay LVMWD (A perfect opportunity to get off the grid). Private roads, seasonal streams and waterfalls, gated entrance - Live "away from it all" and still be only minutes from Malibu or the 101 Freeway This property is NOT under Coastal Commission authority or restrictions. Award winning Las Virgines School System. Investment / development possibilities. The main house needs some TLC. The potential is unlimited! Loloma Ranch ? Peace. Tranquility. Your Private Retreat.
Superb location on over 1 acre of land, this home is set in the rural community of Old Agoura, tucked away on a private road across from gorgeous rolling hills. It's the perfect setting if you value a bit of elbow room, a place to garden and respite from the hectic world. Highlighting the backyard is a recently refinished, large pool & spa, plenty of entertainment spaces, a shady oak tree, and a small citrus grove. The home is nearly 3,500 square feet and when you walk in you are immediately taken with the living room with its peaked, wood ceiling and wide view of stunning hills. You'll find 4 bedrooms and 3.5 baths, a tastefully remodeled kitchen and all baths have been redone; the master bath is large w/huge walk-in closet. Also; wood floors, 3 wood burning/gas fireplaces, newer roof, newer French doors. Near pony club & national parkland with miles of trails. Highly acclaimed Las Virgenes School District. You're in the country but close to shopping & schools. Immaculate home!
Magnificent Medea Valley Custom Tennis Estate Provides Peaceful, Harmonious Balance & Tranquility Within The Breathtaking Santa Monica Mountains & Tucked Away In A Very Exclusive Gated Community Offering The Perfect Combination Of East Coast Charm w/Traditional West Coast Styling. Resort Style Backyard w/Salt Water Beach Entry Pool,River Rock Spa,Kitchen + BBQ Entertainment Area,Fire Pit, Pool Bathroom & Lighted Tennis Court All In A Perfectly Private Lush Setting. Gourmet Kitchen w/Gorgeous Granite Countertops,Stainless Appliances,Wine Refrigerator,Walk-In Pantry & Beautiful Breakfast Nook. Master Suite w/Sitting Area,Large Balcony & Newly Remodeled Master Bathroom Highlighted w/Marble Flooring,Wood Cabinetry,Steam Shower,Sauna,Free Standing Tub,His & Hers Walk-In Closets. Elegant Formal Living & Dining Rooms, Cozy Den or Library, Expansive Family Room w/Fireplace,Wet Bar & Laundry Room w/Sink. Many More Decorator & Designer Details Throughout. This Truly Special Home Has It All!!
Remodeled Interior Beautiful Agoura Hills Home, Right Across The Street From Forrest Cove Park, Has 2 Masters, 2 Bedrooms And 3.5 Baths. One Master Is On The Ground Level With A Fireplace, Walk In Closet, Large Marble & Tile Bath, And An Entertainment Bar/ Refrigerator Center. The Second Master Is Up Stairs Along With The 2 Other Bedrooms. Wood Floors Throughout The Entire Home & Custom Design Wrought Iron Railings On The Staircase. The Kitchen Has Frigidaire Stainless Appliances, With Marble Counter Tops And Designer Tile Back Splash. High Ceilings And Skylights Make This Home Very Open And Breezy. There Is A Step Down Formal Living Room With A Fireplace And A Trellis Covered Patio In The Very Private Back Yard That Is Perfect For Entertaining. The Back Yard Also Has Room For A Spa And Has Mature Fruit Trees. The Seller Is Flexible, Trade-ins Are Welcome, & Cary Back Option THIS HOME IS IN PERFECT MOVE IN CONDITION.
This air conditioned single story end unit is nicely located in a beautiful and well maintained community!Laminate flooring throughout living room, dining room, and bedrooms. The living room features a fireplace. Lots of cabinet space in the kitchen which opens to the formal dining and living room. Bedrooms feature sliders to their own patios, another patio sits off of the living room. Inside laundry with enough room for a full sized washer and dryer. Just steps to the fabulous community pool and recreation center. Close to schools, shopping and freeway.
Real Living Pacific Realty
27281 Las Ramblas
Mission Viejo, CA 92691
Email Us | Visit our Real Estate Website


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R.T. Smith's new book of poetry, "In the Night Orchard: New and Selected Poems" (Texas Review Press, 2014), reflects the arc of his exploration as a poet for the past 33 years, during which he has been acclaimed as "a 21st-century master" (David Huddle).
Rob Straughan, an expert on corporate social responsibility, is quoted in two recent articles in The International Business Times on the new push by major food companies to address shortfalls in their corporate social responsibility, sustainability/environmental and organic/natural programs and offerings.
Patrons of Washington and Lee University's Library may now read the digital archives of the Times of London, one of the best-known newspapers in the world, which has been covering world events since 1785.
On June 12, in New York City, student members of Washington and Lee University's Repertory Dance Company will join W&L dance alumni to perform two aerial dances at the Ailey Citigroup Theatre, a state-of-the-art performance space. The show is at 7:30 p.m., and a reception will follow.
Suzanne Keen, the Thomas H. Broadus Professor of English and dean of the College at Washington and Lee University, has published a new scholarly book: "Thomas Hardy's Brains: Psychology, Neurology, and Hardy's Imagination," part of the Theory and Interpretation of Narrative series (Ohio State University Press, 2014).
Ann Massie, professor emeritus at W&L's School of Law, has long been fascinated by the phrase "the separation of church and state"—both by the history of the concept and its practice in American law. Since a recent Supreme Court decision has added new urgency to the issue, she shared her scholarly findings on NPR affiliate WMRA's "Virginia Insight" show on Thursday, May 29.
Adedayo (Dayo) Abah is one of six recipients of the 2014/15 social media externship grants awarded by the Scripps Howard Foundation and the Association for Education in Journalism and Mass Communication (AEJMC).
Washington and Lee University has awarded Global Learning Leadership Prizes to two seniors for 2014. The recipients are Johan (Manuel) Garcia Padilla, a native of Mexico from Mount Vermont, Wash., and a Spanish major with a minor in Latin American and Caribbean studies, and Johnson scholar Haley Smith, a double major in biology and environmental science, from Asheville, N.C.
Members of the Washington and Lee Repertory Dance Company performed the dance "Straight Duet" as part of the Gala Concert performed by professional dancers from around the United States at the Route 11 Dance Festival on Thursday, May 8.
Washington and Lee University has announced the final round of students who will receive 2014 Johnson Opportunity Grants. The grants cover living, travel and other costs associated with the students' proposed activities, which are designed to help them with their future careers and fields of study.


text:
Michael Craig Miller, M.D.
Posts by Michael Craig Miller, M.D.
Subscribe to Michael Craig Miller, M.D.'s Posts
For fans, World Series is a marathon, not a sprint
Millions of baseball fans will tune in tonight for the opening game of the World Series. Boston Red Sox versus St. Louis Cardinals. Sportswriters are saying it will be an interesting series between two well-matched teams. Football fans have it easy. They have to sit through just one big game to decide the year's champion. For us baseball fans, it could take seven games spread over nine days to determine this year's champion. That means fans need to approach the series as a marathon, not a sprint. Pay attention to sleep, exercise, food, alcohol, and emotions. The Red Sox and Cardinals are two very likable teams. Commentators point out that these guys play the game the "right way." The players themselves say it's going to be fun. Let's see if we fans can remember that baseball is a game. This World Series should be fun to watch. Whoever you're rooting for, have fun watching.
Nighttime overeating can throw weight and health out of sync
For many people, a late-night "snack" is a daily habit. There are two types of nighttime eating disorders. Sleep-related eating disorder is a highly-publicized though uncommon malady. People with this problem eat while sleepwalking or while in a twilight state between sleep and wakefulness. A better-documented problem is night eating syndrome, in which people do the majority of their eating late at night. It may affect 1 or 2 out of 100 people in the general population. Sleeping and eating are almost certainly connected, given the link between lack of sleep and weight gain. So getting plenty of sleep may be a helpful substitute for nighttime trips to the refrigerator. Being mindful of the problem and trying to identify its triggers, or stress-reduction techniques, may help avert trips to the refrigerator. Some people benefit from talk therapy.
Healing from emotional trauma after the Marathon bombing
The bombs that exploded on Monday near the finish line of the Boston Marathon killed three people, physically injured nearly 200 others, and traumatized thousands more. Recovery and healing are beginning for the families of those who died, for the injured and their families, and for others touched by this tragedy. For some, healing will be swift. For others it will be measured in small steps over months, and possibly years. The Marathon explosions will leave a legacy of emotional scars along with the physical ones, even among those who weren't anywhere near the blasts. Some people who were at the scene of the explosions will undoubtedly develop post-traumatic stress disorder (PTSD). But PTSD is not the only response to frightening events. In fact, most people exposed to a trauma do not develop this condition. They may develop an anxiety disorder, for example, or become depressed. Most people do have some emotional response, but the majority develop no illness at all.
Can you become addicted to chocolate?
The term "chocoholic," usually said with a smile, actually nods to a potentially serious question: can a person become addicted to food? There are three essential components of addiction: intense craving, loss of control over the object of that craving, and continued use or engagement despite bad consequences. People can exhibit all three of these in their relationships with food. It's most common with foods that deliver a lot of sugar and fat — like chocolate — because they trigger reward pathways in the brain. In some animal studies, restricting these foods induced a stress-like response consistent with the "withdrawal" response seen in addiction. Much of the scientific discussion about food addiction has been sparked by the epidemic of obesity sweeping the U.S. and many other countries. Many people who are overweight crave food, lose control over eating, and experience negative health effects that should, but don't, serve as a deterrent. The influence of stress on eating provides another link between food and addictive behavior.
Seasonal affective disorder: bring on the light
December 21st marks the shortest daytime of the year in the northern hemisphere. Although the winter solstice marks a seasonal turning point, with daylight getting incrementally longer from here until June 21, for people with seasonal affective disorder it's just another day of feeling lousy. People with this condition lose steam when the days get shorter and the nights longer. Symptoms of seasonal affective disorder include loss of pleasure and energy, feelings of worthlessness, inability to concentrate, and uncontrollable urges to eat sugar and high-carbohydrate foods. Although they fade with the arrival of spring, seasonal affective disorder can leave you overweight, out of shape, and with strained relationships and employment woes. A unique approach to this problem is the use of light therapy. It involves sitting near a special lamp that emits bright light for 30 minutes a day as soon after waking up as possible.
In praise of gratitude
The Thanksgiving holiday began, as its name implies, when the colonists gave thanks for surviving their first year in the New World and for a good harvest. Nearly 400 years later, we're learning that the simple act of giving thanks is not just good for the community but may also be good for the brain and body. Gratitude helps people refocus on what they have instead of what they lack. By acknowledging the goodness in their lives, expressing gratitude often helps people recognize that the source of that goodness lies at least partially outside themselves. This can connect them to something larger—other people, nature, or a higher power. In the relatively new field of positive psychology research, gratitude is strongly and consistently linked to greater happiness. Although some people may be born with a gift for expressing gratitude, anyone can learn how to do it. And this mental state grows stronger with use and practice. Here are some ways to cultivate gratitude.
Metacognitive therapy: a possible new approach for ADHD?
One treatment that can help relieve depression and other mental or emotional problems is cognitive behavioral therapy. It guides individuals to change what they think. A related approach, called metacognitive therapy, helps individuals change how they think. Some preliminary but promising research suggests that metacognitive therapy may be useful for people with attention deficit hyperactivity disorder (ADHD). One study of 88 adults with ADHD found that metacognitive therapy led to significant reduction in ADHD symptoms in 42% of participants, compared to 12% who received supportive therapy. Keep in mind that metacognitive therapy is not yet a proven therapy. More research is needed on its effectiveness in different settings. But that means it doesn't yet stack up to its elder cousin, cognitive behavioral therapy. And metacognitive therapy can't be considered as a first line treatment for ADHD.
The angry adolescent — a phase or depression?
A friend once asked me about his son, who was about to turn 20. As a teenager, the boy had a quick temper. But now, on the brink of adulthood, the young man seemed to be getting worse. When a teen gets angrier as time goes by, it is a cause for concern. A 19-year-old is no longer a child, but neither is he or she a fully-fledged adult. This in-between state can extend well into the twenties. Some human development researchers have begun to call it "emerging adulthood." No matter this stage is called, it presents a tricky time for parents and their children. Emerging adults must decide how much help they want or are willing to accept from their parents or anyone else. At the same time, parents must decide how much help it is reasonable to give.
Magnetic stimulation: a new approach to treating depression?
For some people with depression that isn't alleviated by medication or talk therapy, a relatively new option that uses magnetic fields to stimulate part of the brain may help. Called repetitive transcranial magnetic stimulation (rTMS), it was approved by the FDA in 2008. Although more and more centers are beginning to use transcranial magnetic stimulation, it still isn't widely available. Transcranial magnetic stimulation directs a series of strong magnetic pulses into the brain. These pulses create a weak electrical current that can increase or decrease activity in specific parts of the brain. In two large studies, rTMS improved depression in 14% of people who underwent it, compared to 5% who underwent sham, treatment. The cost can range from $6,000 to $10,000, depending on the clinic and how many sessions are needed. Insurance may not cover the cost of treatment.
When are obsessions and compulsions in children a problem?
It is normal for children at some points in their development to be concerned about sameness and symmetry and having things perfect. But when such beliefs or behaviors become all-consuming and start interfering with school, home life, or recreational activities, the problem may be obsessive-compulsive disorder (OCD). Obsessions are irrational thoughts, images, and impulses that a person feels as unrealistic, intrusive, and unwanted. To relieve the anxiety caused by these obsessions, a youth may engage in compulsive rituals. Two main types of treatment are used to help youths better manage OCD: a form of talk therapy known as cognitive behavioral therapy, and medication. The ideal approach is to try cognitive behavioral therapy before turning to medication.


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On November 8, 2011, Palm Springs voters approved Measure J, a dedicated local revenue measure to maintain local community services and revitalize Downtown. Measure J became effective April 1, 2012, and increased the local sales and use tax by 1%.
The Measure J ballot question was as follows:
"Shall an ordinance to provide funding that cannot be taken by the State and help preserve Palm Springs city services, including without limitation police, fire, library, parks, streets/pothole repair, acquisition and development of garages and parking facilities, installation and maintenance of improvements and facilities for the implementation of the Museum Market Plaza Specific Plan, by enacting a City of Palm Springs 1% sales and use tax, for 25 years, subject to independent annual audits, be adopted?"
Click Here for a Video of Accomplished
Measure J Projects
The Process:
Funding for Critical Plans and Projects:
For more information, please contact the Department of Finance & Treasury at (760) 323-8229.
Geoffrey S. Kiehl
Director of Finance and Treasurer
Free viewers are required for some of the attached documents.
They can be downloaded by clicking on the icons below.
© 2009 City of Palm Springs | 3200 East Tahquitz Canyon Way Palm Springs, California 92262
Tel: (760) 323-8299 | Contact Us | Site Map | Website Created by Vision Internet


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Getting started on the RCN
The RCN is a campus network available to residents in Baca, Driscoll, Fitch, Presidents, South, West, Altamirano, Mountain Springs, and Desert Willow. It allows residents to connect their computer directly to the campus computer network, and from there into the internet. Since it accomplishes this through the use of an ethernet card, it is many times faster than a modem and does not require the use of a phone line. There are two ports in each room of the dorms, allowing both residents of each room to be connected at the same time. Each bedroom in the Student Apartments has one RCN connection. Desert Willow has multiple ports per unit.
What do I need to connect?
In order to connect to RCN, a user must:
- Live in Baca, Driscoll, Mountain Springs, President's, South, West, Altamirano, Desert Willow, or the Guest House.
- Have a computer capable of supporting an ethernet card. See the Hardware Information page for information on ethernet cards and computers.
- Have an ethernet card, with a 10-Base-T connection (it looks like a large phone jack). The New Mexico Tech Bookstore may have some available, or you can purchase one at almost any computer store.
- Have an ethernet jumper or patch cable that will run from the port in the wall to your ethernet card. This cable must be at least Cat-3, but Cat-5 is preferred. We recommend buying these cables from the Residential Life Office, but they are also available at the NMT bookstore or any computer store.
Before you get connected, check out the Hardware Information page to make sure that your computer meets the minimum suggested requirements.
In order for you to be on the RCN network, you will need to sign the RCN Agreement of Conduct form. This is part of your Residential Life paperwork.
What's next?
Once you have this information, check out the TCP/IP Installation Guide to configure your network card.
If you are connecting to the wireless network, please check out our Wireless page. The wireless network is currently available in the following buildings: Fidel, Skeen Library, Weir, Cramer, MSEC (first floor only), Jones, Jones Annex, Speare, Fitch Basement, DWA, Macey lobby, and PRRC.
ITC cannot sell network cards or ethernet cables to users. You must purchase these items from the Residential Life Office, the bookstore or a computer store.
While almost all types of computers and operating systems are capable of supporting a connection to the RCN, these pages only apply to computers with MacOS 7.1-10.x, Windows 95/98/2000/XP, and Linux.
Chewbacca Actor Featured During Spring Fling
SOCORRO, N.M. March 24, 2015 – This year's Spring Fling features a series of special Comic Con type of events, culminating with appearances by four personalities from the Star Wars franchise. Most ...
Research Symposium Features 90 Projects
SOCORRO, N.M. March 13, 2015 – The fourth annual Student Research Symposium at New Mexico Tech features a wide range of innovative projects, including 48 posters, 20 oral presentations and 22 three-...
Nelson Illusions: 'Smoke & Mystery' At Macey Center
SOCORRO, N.M. March 17, 2015 – Magic at its best, from a woman sawed in half to incredible death-defying stunts, will take center stage at New Mexico Tech's Macey Center at 7:30 p.m. Friday, March 27,...
Legendary Professor Dr. Cormack Passes Away
SOCORRO, N.M. March 16, 2015 – Dr. Robert Cormack, professor of psychology, passed away Saturday, March 14, 2015, in Socorro. A service of remembrance will be held on campus later in the semester. ...
Tech Welcomes H.S. Counselors To Campus
SOCORRO, N.M. March 12, 2015 – Counselor Day is for high school counselors and college advisors to come visit the New Mexico Tech campus Wednesday, April 8. This is the first such event that Tech ha...


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Opinion, commentary and analysis on everything that makes the U.S. housing economy tick -- not to mention the ghosts in the machine, too. Written by HW's team of editors and reporters each business day. Read More
Here are the 3 basic requirements for any real estate company
#1: Pick quality technology
April 1, 2015Read More
Mortgage technology will be ready to address TRID
Won't magically make challenges and cost of compliance disappear
April 1, 2015Read More
JPMorgan's Dimon to Sen. Warren: Hit me with a fine. We can afford it
New afterword from Warren's book reveals tense exchange
March 31, 2015Read More
Did little-known Arizona law start the appraiser death clock?
Gov. Ducey inadvertently hands a victory to AMCs
March 31, 2015Read More
The next problem facing housing: Cyber security
Look beyond TRID to the next major technology expense
March 31, 2015Read More
Closing Call
Breaking down the TILA-RESPA Integrated Disclosure, how it impacts your business, and ways to solve it. Written by the experts at Pavaso each business day. Read More
A new era of solutions
Recapping last week's posts and tech progress this year
December 15, 2014Read More
TILA-RESPA technology cheat sheet
What you need to know when investing in a digital closing solution
December 11, 2014Read More
How to save $1,100 or more on the cost to close each loan
A digital solution can help lenders' profit margins
December 9, 2014Read More
MBA Annual has come and gone, but TILA-RESPA is here to stay
What progress have you made one week after the conference?
October 29, 2014Read More
TILA-RESPA Phase I complete
Get ready for Phase II of the Lender Implementation Timeline
October 6, 2014Read More


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(281) 709-4790 brooksoverhead.com... »
1800 Austin Pkwy, 102, Sugar Land, TX 77479 map »
Brooks Overhead Garage Door Sugarland is a full service company proudly serving Houston and surrounding areas. We are committed to providing outstanding garage door service, repair and installation.
* 24-Hour Service Available
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