text:
How We Help
The Hawaii HomeOwnership Center provides FREE foreclosure prevention counseling for owner-occupants. This service is provided statewide through our offices on Oahu.
Our program:
Our goal is to:
Note: The final decision regarding the outcome of a request for a modification, forbearance, etc. is made by the servicer.
How to get started:
Click here to download our intake packet
Mortgage Foreclosure Dispute Resolution Program
The Mortgage Foreclosure Dispute Resolution (MFDR) program provides an opportunity for owner-occupants of residential property in non-judicial foreclosure to meet face-to-face with their lenders to modify their loans or to work out a payment plan within three months. The program is established and administered by the Department of Commerce and Consumer Affairs – Office of Administrative Hearings (DCCA-OAH) with assistance from the Judiciary.
Click here to visit website
Frequently asked questions
1. What if I need help with an investment property or second mortgage?
Our priority is to provide services for owner-occupied properties. If a loan modification is possible, we will submit a package to address the second mortgage if applicable.
2. I have a lot of debt – can you help me?
If you have more than $10,000 in unsecured debt or struggling to pay that unsecured debt in addition to your mortgage, you should contact Consumer Credit Counseling Services of Hawaii.
3. I am considering bankruptcy to address my mortgage challenges – can you help me?
You should contact Consumer Credit Counseling Services of Hawaii.
4. I am in a distressed financial situation due to a foreclosure rescue scam or dishonest lending practices – can you help me?
If you are intending to pursue legal action regarding your situation, you should contact Legal Aid Society of Hawaii. If you are only looking for assistance to work with your lender and understand your options to avoid foreclosure, we can assist you after receiving an intake packet. We would still recommend reporting the scam through www.loanscamalert.org
5. I am working with a counseling agency and am calling you to see if you can provide more assistance.
If you paid a company to help you and you are not being serviced, we can review your situation after you submit an intake packet. However, if you are intending to seek legal action against the company you paid, contact the Legal Aid Society. If you are working with an agency and receiving service, we recommend that you continue to work with that organization – you will have to start the process from the beginning if you decide to work with us instead, taking more time for us to input your information and become familiar with your situation.
6. I have received a foreclosure notice – can you help me?
If the foreclosure date is more than 2 weeks away, it is critical for you to submit an intake packet immediately. If the foreclosure date is less than 2 weeks away, we will not have enough time to assist you. If bankruptcy may be an option you might explore to temporarily address your mortgage situation, contact Consumer Credit Counseling Services.
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© Hawaii HomeOwnership Center

subset: commoncrawl


text:
Some of you must be wondering, I must be insane to use ActiveRecord outside of Rails. But there are some very compelling reasons.
- ActiveRecord is an awesome library for Object Relational Mapping (ORM).
- Other projects might not involve the use of Rails.
- You want to experiment with ActiveRecord prior to creating a plugin for your Rails project.
- A library for ORM is already written (why reinvent the wheel?)
- Your just very bored.
Whatever the case may be, it's best to be prepared.
Installing ActiveRecord
If you already have Rails installed via RubyGems, then your already set to go. Else install it in the terminal via:
sudo gem install activerecord
Playing with ActiveRecord
Open up a file, and insert the following:
require 'rubygems' require 'active_record' ActiveRecord::Base.establish_connection( :adapter => 'mysql', :database => 'database', :username => 'user', :password => 'password', :host => 'localhost')
Now if you are familiar with Rails, this is the same configuration as seen in your
database.yml file (
RAILS_ROOT/config/database.yml ). There are more options for how to connect to a database, just check the
ActiveRecord::Base.establish_connection documentation.
Moving Database Configuration to Another File
Note: It's not safe to save your database configuration in the same file as you code. In case you distribute your code, and forget to remove your password. That wouldn't be a cool scenario. (Well it would also be pointless if you sent your database configuration file as well).
So lets make a
database.yml and dump the information in there.
adapter: mysql database: database username: user password: password host: localhost
Now our previous file that utilizes ActiveRecord will look like such:
require 'rubygems' require 'active_record' require 'yaml' dbconfig = YAML::load(File.open('database.yml')) ActiveRecord::Base.establish_connection(dbconfig)
Playing with ActiveRecord Safely!
And now your set to playing around with ActiveRecord without Rails!
require 'rubygems' require 'active_record' require 'yaml' dbconfig = YAML::load(File.open('database.yml')) ActiveRecord::Base.establish_connection(dbconfig) class User < ActiveRecord::Base end puts User.count # 6
Debugging ActiveRecord SQL Queries
Sometimes you run into problems, and suspect your SQL isn't generated as it's supposed to be. But how do we debug this?
require 'rubygems' require 'active_record' require 'yaml' require 'logger' dbconfig = YAML::load(File.open('database.yml')) ActiveRecord::Base.establish_connection(dbconfig) ActiveRecord::Base.logger = Logger.new(STDERR) class User < ActiveRecord::Base end puts User.count # SQL (0.000277) SELECT count(*) AS count_all FROM users # 6
This will output it to standard error (in which most cases its) your screen. Sadly this can also clutter your screen.
Debugging ActiveRecord SQL Queries to a File
Now if you know your shell well, you can pipe it to a file via:
ruby connect.rb 2>> database.log
But you may forget to pipe it, or what not.
So replace the line containing
ActiveRecord::Base.logger with
ActiveRecord::Base.logger = Logger.new(File.open('database.log', 'a'))
Warning: I chose to append ('a') the output to the file. This may result in very large files. You can chose to use overwrite ('w') instead.
From here on you can watch the file with:
tail -f database.log [image16x16:terminal].
Funky/Colorized Logs
Note: If you view the
database.log file, you'll notice the following. This is because ActiveRecord colorizes output for viewing in a terminal. But when viewed as a normal file, you get garbage.
^[[4;36;1mSQL (0.000273)^[[0m ^[[0;1mSELECT count(*) AS count_all FROM users ^[[0m
To disable colorize logging, enter:
ActiveRecord.colorize_logging = false
This article is translated to Serbo-Croatian language by Anja Skrba from Webhostinggeeks.com.


text:
Home Basic Bedding Down Comforters Van Gogh Eiderdown European Batiste Down Comforter
|Our German Batiste is the world's lightest downproof fabric, and we've paired it with Eiderdown, the world's most coveted down, for a down comforter from a class all its own. Eiderdown is prized worldwide for its matchless warmth and lightness. Collected by hand from abandoned nests in Iceland and Scandinavia, the annual world harvest is just four tons - truly one of nature's greatest treasures.
Box stitch construction for evenly distributed down and reinforced seams for a longer life. Our oversized comforters and our warmest level 3 and 4 comforters are made with interior baffles. Each comforter made in USA using fine imported materials.
Care Instructions: Frequently shake to refresh down filling. Air outside to keep smelling fresh. Spot clean small stains with a mild detergent and completely dry area with a hand held hairdryer. Machine wash warm with our Fine Fabrics Wash or your preferred mild detergent. Dry completely on a low setting to prevent mildew. For best results commercial washing and drying is recommended. Frequent washing may cause shell to become less down proof.
|This guide will teach you about the different fabric and fill qualities in each comforter and assist you in determining the warmth level to suit your unique needs. Read more
1 Reviews
Thank you for your interest in posting your feedback. We will use this information to improve upon our products and services.
If you have a suggestion or complaint you may also contact us directly using our Contact Form.
Quality is always in the details, and every Luxor Linens product sets the standard for quality in materials and craftsmanship.
Thanks for visiting and we encourage you to take advantage of our satifaction guarantee to experience Luxor Linens for yourself.
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text:
As of Sunday, June 2, 2013
© Copyright 2015 Albany Herald
ATLANTA — Braves fans are already getting excited at the thought of seeing Evan Gattis in the Home Run Derby July 15 during All-Star festivities in New York.
And, frankly, so is Gattis.
The rookie phenom said Friday he'd be happy to accept an invitation to participate if he is among those asked by the yet-to-be designated National League captain.
"I would love it," said Gattis, who added that he wouldn't worry his swing getting off-kilter as often happens to those who compete in the Derby, only to find themselves struggling with their swing for weeks afterward.
Gattis then added: "Nah, I wouldn't be too worried about it. It's just one day."
Last year, Gattis — who once couldn't even afford to find transportation out of New York and was begging for food and money during his hiatus from baseball — watched the home run derby with some buddies during extended spring training when he was out with a wrist injury. Participating this year would just add to the legend of his remarkable season.
"Just knowing that people would be watching, maybe my dad throwing -- that'd be cool," said Gattis, whose father Jo coached him until he was 17 with his travel team, the Dallas Tigers.
Gattis was tied for fourth in the National League with 12 home runs, entering the weekend, but in only 137 at-bats, his long balls have come in the fewest among any NL player with double-digit homers. Gattis leads all rookies with 12 home runs, 23 extra-base hits and 32 RBI in 137 at-bats.
BEACHY ON TRACK TO RETURN MID-JUNE: If all goes well in Brandon Beachy's next three minor league rehab outings, the Braves, 3-2 losers to Washington on Friday, won't have to worry about finding an extra starter for their make-up doubleheader with the New York Mets in Atlanta on June 18.
Manager Fredi Gonzalez has already penciled in Beachy's name — if lightly — to start one of those games.
"It would be a perfect fit," Gonzalez said.
Of course, that is dependent on Beachy having no setbacks. So far, that has been the case.
Beachy, coming back from Tommy John elbow surgery, allowed three hits over five innings in a 3-0 home victory for Class A Rome over Charleston on Wednesday in his second minor league start. He threw 68 pitches while striking out three and walking one.
The right-hander's command was better than it had been Friday, when half of his 70 pitches were balls during a four-inning outing for Triple-A Gwinnett against Toledo. He allowed two hits and two runs in that game, striking out three and walking three.
Beachy is expected to need three more rehab starts, at least one back at Gwinnett.
The 26-year-old is tentatively set to pitch for Double-A Mississippi at Chattanooga on Monday, then start at Gwinnett against Columbus a week from Saturday. If the schedule holds, a final rehab start would come June 13 -- exactly a year after he hurt his elbow. Beachy was leading the National League in ERA when he had to leave a start against Baltimore at Turner Field and he had reconstructive elbow surgery last June 16.
SUDDENLY ERROR-PRONE SIMMONS GETS REST: With the Braves in the midst of playing 20 consecutive games, Gonzlaez planned to give shortstop Andrelton Simmons a rest at some point. After watching him commit his third error in seven games Thursday night, Friday proved a good time.
Gonzalez jokingly blames an ESPN producer for jinxing Simmons, mentioning that the sure-handed shortstop hadn't committed an error all season last Friday in New York, the day he went out and committed his first.
For his part, Simmons said he's not dwelling on the mistakes.
"It's the first time when I've made errors and it didn't stay in my head," said Simmons, whose fielding error Thursday opened the door for three Toronto runs off Mike Minor in an 11-3 win. "Used to be, when I was in the minors, whenever I made an error I was trying to figure out what was going on, and thinking about it, it would lead to another error. I made like 10 errors in 15 games in (Single-A) Lynchburg .... I'm not feeling like that right now. It's just stuff that happens. It's not in my head right now."
MEDLEN ON TRACK TO START MONDAY AFTER LINE-DRIVE TO LEG IN LAST START: Kris Medlen did some running and took batting practice Friday and Saturday and said he's on track to make his scheduled start Monday against the Pirates.
Medlen had to leave after two innings in Wednesday's start against the Blue Jays after he was hit in the left calf by a line drive.
"I really only felt it the day of, that night," Medlen said.
More like this story
- BRAVES NOTEBOOK: Beachy ready to return — but where to put him? ( June 12, 2013 )
- MLB NOTEBOOK: Gattis looks strong in batting practice session; Rays ace Moore will replace Darvish on AL All-Star team; Pirates' Alvarez to step in for Rockies' Gonzalez in Home Run Derby ( July 11, 2013 )
- BRAVES NOTEBOOK: Braves hoping Heyward's hamstring strain isn't serious; Gattis begins rehab assignment ( July 12, 2013 )
- BRAVES NOTEBOOK: Gonzalez: It's 'not easy' fitting Gattis in lineup every day ( June 5, 2013 )
- Braves looking for offense to shine in 2013 ( March 29, 2013 )


text:
Could working in a Child Care Center be your career pathway?
Click here for flyerPDF Format
Child Care Center Teacher
If you say yes, then Child Development and Early Education could be your career pathway.
Click here to see the Child Care Center Teacher Career Pathways Certificate classes.
Child care workers supervise, care for, and teach children in day-care programs. On a typical day, child care workers begin by meeting children as they arrive at the center. Then they direct children to an activity. Child care workers organize group activities such as games. They also supervise individual activities, such as finger painting. When parents pick up their children, child care workers talk to them about what happened that day.
The entire day is a learning opportunity for young children. Thus, even a simple activity such as coloring can be used to teach sharing skills. Child care workers teach children physical, emotional, intellectual, and social skills. They do this by leading a variety of activities. These include reading books, playing games, singing songs, and playing outside.
Child care workers also take care of children's physical needs. They help kids use the restroom and clean up afterward. Child care workers make sure that children eat and rest during the day. They prepare meals and snacks, feed the children, and clean up afterward. They also make sure that children get some exercise.
An additional responsibility for child care workers is caring for children's emotional needs. For example, they calm those who are upset. They also stop children from fighting and may discipline them. Child care workers watch children's developmental growth. If they see signs of emotional or other developmental problems, they discuss them with their supervisor. Child care workers keep records of children's developmental progress.
"Copyright University of Oregon for the Oregon Career Information System, 2012. Used with permission."
Courses apply to the Child Development and Early Education Associate of Applied Science Degree
Meets the educational requirements for the position of teacher in a licensed child care center
Applicable to Level 8 certification of the Oregon Registry
For more information, contact the faculty adviserEllen White: 503-491-6985 - Room ECC106 email@example.com


text:
Ivan Eland: Despite George W. Bush's and Barack Obama's efforts to topple foreign dictators and use military power to forcefully impose democracy from without, democracy usually works better if it bubbles up from below by popular desire.
Cut Carriers Now
The Second Coming of Petraeus
Ivan Eland: With the justified firing of Gen. Stanley McChrystal and his replacement with Iraq water-walker David Petraeus, it's as if people are hoping for a second coming of Jesus in Afghanistan. Unfortunately, the replacement may be similar to the second coming of the water-walking Joe Gibbs as coach of the Washington Redskins.
Lessons on the Battlefield Need to Be Learned at a Higher Level
General David Petraeus, the former military commander of U.S. forces in Iraq and author of the military's most recent counterinsurgency manual, learned the lessons of the successful British counterinsurgency experience in Malaya in the 1950s. He was able to reduce the violence in Iraq by instituting a policy of U.S. military restraint in that country.
Did the Surge Work?
The media, egged on by John McCain and his campaign, are going to twist the arm of Barack Obama until he cries "uncle" and admits the U.S. troop "surge" has worked in Iraq. So far, Obama has not cracked under the pressure and, for reasons of political expediency, admitted this dubious proposition. The smart political […]


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Happy New Year From All Of Us At Hood Branded Environments01/05
Thank you to all our friends, colleagues, and clientele for an amazing year. 2013 brought us some tremendous opportunities and exciting challenges that have helped us to grow with the industry and enhance the interactive retail marketing experience. We are also very pleased to welcome the newest member to the Hood BE family with Carissa and Trevalyan's beautiful baby daughter, Hailey Aurora Stugard.
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