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Norcent DCS-1050
Nic Rossmüller : January 4th 2008 - 10:53 CET
Norcent DCS-1050 :
Norcent, a marketer of high-quality home entertainment and digital products, announces the introduction of the 10-megapixel Norcent DCS-1050 compact camera, at the 2008 International CES in Las Vegas. Part of Norcent's new feature-rich 50 Series line of slim digital cameras, the Norcent DCS-1050 digital camera includes face- detection and anti-shake capabilities as well as a large, scratch-resistant 3" color LCD display. "The new Norcent DCS-1050 10-megapixel digital camera captures awe-inspiring ultra-high resolution images of up to 3648 x 2736," Rick Stans, Executive Vice President Sales and Marketing. We are confident consumers will love our new Norcent 50 Series of digital cameras.
Norcent DCS-1050 camera - Video function
Its built-in flash includes auto, red-eye reduction, always-on, slow-sync, forced-on, and forced-off modes. Users can select from 22 scene modes, including movie, voice REC (WAV format), portrait, landscape, text, back light, food, and soft skin. In movie mode, the newest Norcent¨ camera captures MPEG-4 video clips with resolutions of 640 x 480, 320 x 240, or 160 x 120. Playback is in either NTSC or PAL formats with up to 30 seconds of WAV audio.
Norcent DCS-1050 camera - Design
The camera features will allow virtually anyone to take professional-quality images. Plus, they are elegantly designed, conveniently slim, and priced for discriminating budgets." Two of its many tremendous features, which are also found on all 50 Series models, help ensure superior image clarity. Face-tracking capability identifies faces within the frame and automatically adjusts for the ideal focus and exposure; while special anti-shake technology compensates for camera movement, delivering crisp, clean images.
Norcent DCS-1050 compact camera - Scratch resistant LCD display
The large 3", scratch-resistant, TFT-panel color LCD display assures users will always have a perfect view of what they are shooting or showing. Additionally, 3X optical zoom and 4X digital zoom are included for crisp, clear distance photos or to highlight a specific area of an image. To maintain the color accuracy and clarity needed for consistently high quality photography, the DCS-1050 digital camera offers white balance settings of manual, daylight, cloudy, tungsten, fluorescent, and custom.
Norcent DCS-1050 - Price & Availability
The Norcent DCS-1050 has 16MB of internal memory and is compatible with external SD/MMC flash storage media. The camera comes complete with user manual, camera bag, software CD, and USB and AV cables for connection to a computer or TV. As with all Norcent 50 Series digital cameras, the Norcent DCS-1050 is elegantly designed with an all-metal body casing and comes in black. The Norcent DCS-1050 10 Megapixel, 50 Series digital camera has an estimated street price of $179.99 at select retailers nationwide.
CES 2008 - Norcent
The 2008 International CES takes place January 7-10 in Las Vegas, NV. The Norcent booth is located in the Central Hall, #15023, in the Las Vegas Convention Center. It will showcase the company's exciting line of LCD and plasma televisions, LCD monitors, digital cameras, and memory products.
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Mini offers 3 new car models in Luxury segment in India. Choose a Mini car to know prices, features, reviews and photos.
A fashion accessory for the enthusiasts. We had Mini Convertible in India before – a car driven by a paltry 1.6-litre unit producing 122bhp and performance no better than any ...
Minis are pretty simple cars despite the lifestyle image they depict. There are no surprises, they are all small, stylish and excel only on certain parameters, even if that ...
Lose the top, gain attention: the Cooper convertible is for those who crave the spotlight.
October 2016
Helps you choose the right car for you
Some of our highly recommended tools to help you make the right buying decision

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product details-Tab
Beautiful Skin Naturally
Natural & Organic Ingredients
The Best of Nature For Nourished Beauty
All the amazing properties of pure Aloe Vera are carefully extracted from the Aloe Vera plant and are carefully extracted from the Aloe vera plant and are completely intact in this convenient tube. We add Cucumber to help keep the skin toned, fresh and soft. Also Comfrey and Allantoin to further assist the skin's healing process. This moisture rich , quick absorbing Aloe Vera Gel helps soothe and moisturize dry skin and relieve skin irritations, minor burns, insect bites, and sunburn, A cooling after shave balm for men and women.
Made In USA
For External Use Only
Mill Creek
(based on 4 reviews)
Ratings Distribution
5 Stars
4 Stars
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of respondents would recommend this to a friend.
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Reviewed by 4 customers
Displaying reviews 1-4
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(2 of 2 customers found this review helpful)
Amazing product
By Belle
from NY
describe yourself Brand Buyer
See all my reviews
Comments about Mill Creek Botanicals 99% Aloe Vera Gel, 6 fl oz:
I bought this by accident, because my preferred Aloe Vera Gel was not available on drugstore.com. I'm pleasantly surprised how well this product works. I used it mostly on my face before sports, for breakouts, on my hands before and after sports and on my feet, especially during summer. Plus, I have used this at the beach on a sunburn and it worked magic, it calmed the burn immediately. No irritation whatsoever, I can use it in my eyes, but I'm careful with it. I will keep buying this.
Bottom Line Yes, I would recommend this to a friend
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(1 of 1 customers found this review helpful)
Good product
By Shadylady
from Virginia
describe yourself Budget Buyer
Good product soothes face
(3 of 3 customers found this review helpful)
great product!
By loling
from san francisco, ca
very effective
(5 of 5 customers found this review helpful)
Has stayed high quality.
By obe
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describe yourself Regular User
Dry skin, after shave.


text:
Brad Ziemer of the Vancouver Sun fills us in on former Rangers captain Mark Messier winning a case against the Vancouver Canucks for $6 million in deferred money from his brief stint with the team. Messier left New York in the summer of 1997 to sign a five-year contract with Vancouver for $6 million a season. Messier exercised a clause in his contract after the third season and was bought out for $2 million.
"Messier signed a five-year, free-agent contract with the Canucks in 1997 for $6 million a season. The dispute between Messier and the team is believed to centre on deferred money the hockey player felt was owed to him.
It has been reported that Messier had a clause in his contract that would compensate him if the value of the Canuck franchise increased over the life of his contract, which expired in 2002."
Meanwhile, newest Ranger Rick Nash shows us his lighter side, taking out a full-page ad in The Columbus-Dispatch, thanking Blue Jacket fans for his time there.
h/t to @nyhockeytalk
#NYR Rick Nash runs a full page farewell in the Columbus Dispatch po.st/60Wp28
— Rob Kowal (@nyhockeytalk) August 3, 2012
Here's a picture of the ad.
The text reads:
Dear Blue Jacket Fans,
Thank you for the unwavering support you have shown me over the past nine seasons.
I am so fortunate to have had the chance to call Columbus home and to say proudly that I am from the Buckeye State.
Thanks for the memories. Thanks for everything.
Rick Nash
- Can you say class act? Rick Nash is quickly going to become a fan favorite on Broadway.
Follow me on Twitter @TheWrage or Facebook. E-mail me with any questions or comments at firstname.lastname@example.com.


text:
Top Definition
meaning: too damn tight ; refers to tight clothing, usually being said by other women who might be jelous or just hating
Look at that girl that dress is Too damn Tight!!! (tdt)
aj11211によって 2010年11月15日(月)
Trending Now
Can you define these popular missing words?
too drunk to speak
Whats up Henrik?
"It's GOIN DOWNNN"
"It's GOIN DOWNNN"
brokenanklesによって 2011年09月18日(日)
Like ODT, but means 'Tap Dat Ting!'
Wow look at her, TDT!
WoopWoop-JungleIsMassiveによって 2011年05月11日(水)
thighs dont touch. Never dispositive but always a helpful hint on weather you should stick yourself between those thighs.
it means this trick's thighs dont touch; fuckable.
it means this trick's thighs dont touch; fuckable.
Dude, that chick is TDT
Yo, she wasnt hot, but she was TDT, so i fucked her.
Yo, she wasnt hot, but she was TDT, so i fucked her.
steves economoによって 2010年06月24日(木)


text:
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Description how to build a homemade airship
Name: how to build a homemade airship
Language: ALL
TECH SUPPORT: how_to_build_a_homemade_airship
Last updated: 04/16/2015 02:38:16
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04/16/2015 02:38:16
7/30/2008 · How to Make Homemade Cellulite Treatment. Cellulite--the appearance of dimpling in the skin of the hips, thighs and buttocks, appearing predominantly in ...How to Make the Best Homemade Pumpkin Pie - from a Real Pumpkin, Not a Can! - Easily! With Step-by-step Directions, Photos, Ingredients, Recipe and CostsLearn how to make homemade soap, laundry detergent, bath salts and candles, and how use to essential oils and other ingredients in soaps and candles.Now you have 2 gallons of homemade laundry detergent. I use 1/2 cup per load. With the prices of detergent being outrageous, I feel really happy every time ...1 Simple Thing: How to Make Homemade HE Laundry Detergent HomeDo you ever discover yourself cooking a bag of frozen hash browns and find yourself thinking, "You know, these are good and super easy to make… hmmm, almost too ...How To Make Your Own Homemade Laundry Detergent – And Save Big MoneyWhen I bought something at a store recently, the clerk handed me my purchase in a bag made from a newspaper. I liked it very much and had to make some more ...Perfect Marshmallow Fondant Icing Recipe A fondant that is not only beautiful to look at, but also delicious to eat! by Peggy WeaverHow to use: Combine ingredients and store in a spray bottle. Spray on a paper towel or soft cloth first, then on the glass. Hint: Don't clean windows on a hot, sunny ...
how to build a homemade airship
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text:
Dear Julius,
I went through a divorce, with many hurtful things happening even before we reached that point. After being separated for a couple of years now, we still find ourselves moving toward each other despite trying to let go and move on. He is doing the work and making real, sustaining changes and has discovered a faith in God.
Now, with that Divine light and love in his life, he is changing from the inside out and is no longer the narcissistic, ego-based person he once was. I can see the change in him, and I've also changed and deepened my faith and beliefs in the larger workings of the Universe.
Just when I feel strong in my decision to move forward into a new life with him with a higher perspective, I find myself having to fight against others' opinions and judgments, so then I second guess myself. I put my vulnerability out there to friends and family and then feel judged.
If God is so good, then how can this be so wrong?
::Signed, Feeling Judged
Dearest Master,
We must first begin this dialogue by addressing you, not everyone else.
For it is YOU who is creating your experience, not anyone else.
Your perspective of all that you create is what either makes you feel loved and empowered or helpless and a victim. No one does this to you—you do. The question isn't about whether your partner has changed. It isn't about how others treat you and express their thoughts to you. It isn't about whether an omnipotent being living outside of yourself approves of your relationship. It is about YOU!
You see master, YOU ARE GOD!
This is a very resistant theory for some, but with the knowing of this you become the empowered one of all of your experiences. Then there is no one to blame or praise but yourself in the outcome of your desire.
As long as you turn your life over to someone or something else, you will never find total fulfillment because you are always hoping that out of the good graces of that being you will be rewarded. This isn't empowerment, this is dependence.
We will tell you master, that we invite you to give up your victimhood roll, embrace your creative self and embark on ANY journey you desire. However it turns out it will be filled with magnificent expansion for you, and how can THAT be bad?
God isn't good or bad, it simply IS the all as it is known. You are all of that, despite the fact you have forgotten that. But in your continued journey to remembrance, you will find more and more joy in your life when you let go of the need to please anyone but yourself. Love of self is the answer; without it you cannot fully love and understand anyone else.
We wish you extraordinary knowing, light and love. Remember to do only what you feel like doing—that will ALWAYS bring you JOY.


text:
Display Ads
Dir. of Advertisers
Mail: Acts of kindness
Groene at the Legislature: State budget looks better, Kintner scandal, vaccine
More opinion
McCook company catches NUs eye
Nebraska sheep, goat producers to meet in Broken Bow
More Ag News
Two men allegedly had another one down and were kicking and hitting him Saturday on the South Platte River Bridge.
Upon their arrival a 33-year-old man said that Charles Tully III, 39, and Jordan Fuller, 25, jumped him, got him down and continued to punch and kick him.
Tully and Fuller told police they were mad at the victim because he made an obscene action towards a woman with whom they were traveling.
All of the people involved are transients, Brown said.
Officers determined there was probable cause to arrest Tully and Fuller for third degree assault, a Class I misdemeanor, and took them to jail.
Flatrock Publishing, Inc.
1300 E 4th St., Suite F
North Platte, NE 69101


text:
Duty on non-subsidised LPG waived; 7th cylinder to cost Rs 97 less
New Delhi: In marginal relief to consumers, the government today abolished import and excise duties on LPG cylinders they buy beyond the 6 per annum quota of subsidised cooking gas, and asked state governments to subsidise the requirements of households at their level.
The government had last week restricted supply of subsidised cooking gas to 6 per household in a year. Any requirement beyond this was to be purchased at market price, which currently works out to Rs 895 per 14.2 kg cylinder. After the abolishing of 5 percent customs duty and 8 percent excise duty, the consumer price in Delhi would come to Rs 798.
Subsidised cooking gas (LPG) in Delhi is currently sold at Rs 399 a cylinder.
"Since some LPG cylinders will not be subsidised, we have amended the notification for the non-subsidised household LPG cylinders... Customs and excise (on them) will be zero", Chidambaram told reporters.
Non-subsidised commercial LPG cylinders, however, would continue to attract customs duty of 5 percent and excise duty at 8 percent.
Taking a cue from the Congress ruled states which have increased the number of subsidised cylinders to nine per year, the Minister asked other states to follow suit.
"I welcome the decision of certain state governments to subsidise three cylinders per year of LPG in addition to six cylinders for which the subsidy would be borne by the central government...I would commend all state governments to adopt such an approach", he said.
The Minister also welcomed the decision of the Bihar government to reduce VAT on diesel from 18 percent to 16 percent which would neutralise some of the impact of the Rs 5 price hike announced by the Centre last week.
Without a shot being fired, Pakistan stock markets crash
Reliance Jio impact: Vodafone offers 10 GB data at 1 GB rate
Delhi government bans Chinese firecrackers for this Diwali
Wait-listed? This new Railways policy will cheer you up - Must Read
7th Pay Commission: Govt employees to get revised allowances from Oct 1; committee to submit report this week
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Govt announces 3rd list of 27 new smart cities
Rumors spread on the coin of ten rupees in India
RJio may face enjoin on free calls after TRAI start inspecting its tariff plan
Watch: Financial Planning for retired personnel lieu to FD


text:
Size2500 ft²
Floor No.
- Family/child friendly
- Kitchen
- Air conditioning
- Pool
- Internet/WiFi
- Washer/dryer
- Parking available
|Mentor Dr, 34110 Naples, United States
|Property type
|Holiday home
|Property ID
Located in the Gulf of Mexico in southwest Florida, where powdery white sand beaches is always a treat to first time visitors.
The only place that has two Ritz Carlton Hotel.
A golfer's paradise, 35 and counting, has the highest ratio of golf courses in the US. Tennis is a big sport here too!
Beach lovers will be delighted to discover the pristine white beaches and unsurpassed tropical beauty that you will only find in Naples.
Everglades National Park is just steps away too, where the thrill seekers can enjoy the air boat ride.
For cultural enthusiast, we are also proud of our Philharmonic Orchestra, that features world renowned performers and an array of galleries for art lovers.
Shopping is another treat too, with a vast of world class shoppes to choose from.
For food lovers, you will not be disappointed . Naples is home to country's top restaurants.
You name it, we have it all!
Yet, we maintain the cozy, relax ambiance and small town vibe here.
This single Mediterranean home has 4 spacious bedrooms with a den that can be converted to another room, 3 full bath, an oversize pool,flat screen TV, DVD player,wireless internet, and well equipped kitchen.
Conveniently located it is close to the interstate, the regional park, restaurants and shoppes and the beach!
- Please keep the sliding doors close at all times.
- Please observe trash collection schedules; for trash-Tuesdays and Fridays for trash and the recycles.
- We require a $500.00 refundable security deposit upon reservation, this will cover any breakages or damages in the property incurred during the stay.
- Please treat the property as your own.
- We prefer a Saturday/Saturday check in/check out.
|Weekly rate
|£ 1330
|Check-in After
|Check-in before
|On arrangement
|Check-out Before
|Cancellation Policy
We enjoyed our stay in Malu's appartment very much. Before we arrived in Naples we already had some email traffic to know each other better. Malu waited in front of the gate of the Pavilion club. She was very friendly and we loved the hospitality she showd. Malu gave us instructions for optimal use of the appartment. She surprised us with selfmade cookies.
The appartment was large and luxurious. Two dining tables and a large sitting room. The kitchen was small but fully equipped. Amercan fridge, oven, toaster, and dishwasher. The two bedrooms were also large. The master bedroom had a walkin closet and a bathroom ensuite with an enormous head shower.
There was also an utility room with a washer and a dryer. We could use the beach chairs, towels and parasols. The appartment had a parkingplace just in front of the appartment. The appartment is situated about 1,2 mile from the beach and about 0,5 mile from the Mercato where you can shop and eat.
We highly recommend Malu's appartment. It was far above our expectations. We appreciated the personal touch Malu gave us during our stay in Naples.
- Quality assured accommodation
- Every host is verified by telephone
- Secure payment via SSL encryption


text:
Related quotes
"Given the reserve addition in 2004 and the fact that trends in asbestos litigation have not deteriorated in 2005, we are not expecting a major charge from the company."
"The crackdown on asbestos litigation in these states has prompted forum shopping in jurisdictions such as South Carolina where objective medical standards have not been adopted legislatively. The court dockets in South Carolina may become crowded with asbestos cases filed by individuals who are not physically impaired. These cases clog the court system and drain resources that would be available to aid individuals who are truly sick. In addition, these cases can threaten the financial viability of South Carolina businesses."
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"This plan may be the final road map for resolving all the mega-asbestos bankruptcies being heard in Delaware."


text:
What is climate change? A definition from the Department of Ecology of Washington State reads: Climate includes patterns of temperature, precipitation, humidity, wind and seasons. It affects more than just a change in the weather and refers to seasonal changes over a long period of time. These climate patterns play a fundamental role in shaping natural ecosystems, and the human economies and cultures that depend on them.
It may be used inter-changably with global warming as they're closely related. Global warming causes climates to change. Here is NASA discussion on the two terms, What's In A Name?
We recommend you listen and learn which is the best advice we can give to begin to understand the challenges before us.
Curated by mokiethecat
Climate Change by Saami Youth (Norway)
Saami youth describe issues affecting their culture due to climate change, most particularly how unstable conditions are affecting reindeer. Their best-known means of livelihood is semi-nomadic reindeer herding, with which about 10% of the Sami are connected and 2,800 actively involved on a full-time basis.
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Climate 101 with Bill Nye


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Should I do a Reprint or an Updated/Expanded Version?
Thanks again to all of you who backed the Pose Drawing Sparkbook back in 2013! Several hundred copies were printed and sold and people seemed to really like them. But once the... Read more
Download Your Free Bonus "Mad Libs" Sketchbook Ideas!
Download Now! 50 Bonus Sketchbook Ideas
It took longer than I planned but I've finally completed the last Stretch Goal for the Pose Drawing Sparkbook: Fifty bonus sketchbook ideas, written... Read more
Only A Few Copies Left
As my backers I wanted you to be the first to know that the Pose Drawing Sparkbook is almost out of print! I'm literally down to my final box of... Read more
Webinar "Bringing Your Drawings To Life"
It's finally here! After months of work I've recorded and uploaded my new webinar, "Bringing Your Drawings To Life". The video is 90 minutes jam-packed with just about everything I know... Read more
Rewards Update + Special Backer Discount
Overall the Pose Drawing Sparkbook has gone very well with hundreds of books shipped! As we near the end, here's a few misc. updates...
Video Reward Glitches
I'm still trying... Read more
The Sparkbook Gallery Is Now Live!
With the Sparkbook launch just around the corner, I've created a Gallery on Facebook where anyone can join and start uploading drawings they create with the Pose Drawing Sparkbook. I... Read more
The Proof Copy Is Here!
Lookee here at what the FedEx man just delivered to my front door. It's my preliminary proof copy of the Pose Drawing Sparkbook! Woo hoo!
There's just a couple of... Read more
I'm truly speechless!
The Sparkbook campaign finished with a bang! In the final two days you pledged $3,600 to kick it over the top into the $16,000 stretch goal! I'm... Read more
$16,000 Stretch Goal Unlocked!
WOW!!! You did it with an hour to spare! The Pose Drawing Sparkbookwill now be a chip board hardcover instead of paperback. High fives and hand springs all around!... Read more
$15,000 Stretch Goal Unlocked!
Amazing! In less than ten hours we blasted through another stretch goal! Thank you all! I'll now be giving all backers a PDF of 50 "spark" sketchbook ideas, Mad-Libs style.
If... Read more
$14,000 Stretch Goal Unlocked!
You did it - another stretch goal unlocked! We just zoomed past the $14,000 mark, which means I'll be creating a drawing demo video for all backers, with commentary, based... Read more
Stretch Goal Unlocked! Time For One Final Push!
Woo hoo! We just passed the $12,000 mark! The Pose Drawing Sparkbook will now be upgraded to 80# drawing paper!
The next stretch goal to conquer is a drawing video... Read more
Home Stretch - Odds and Ends
Only three days left! As we enter the home stretch I wanted to thank you all one last time and take care of some last-minute business.
Want More Kickstarter?
Here's... Read more
New Bonus Reward For All Backers!
Yesterday we zoomed past the $10,000 mark and are well on our way to $11,000. I'm still blown away by how amazing and generous all of you have been. I... Read more
We Broke $10,000!
The Pose Drawing Sparkbook just passed the $10,000 mark! Wow! Plus the kind words, emails, tweets, and facebook shares just keep coming. You guys are the best! I'd put you... Read more
Sparkbook Snippet: "Personality and Emotions"
(This excerpt is from a rough draft of my Kickstarter, the Pose Drawing Sparkbook. It's is a "super-charged" sketchbook designed to help you put more life and personality into... Read more
You Did It! 100% FUNDED!!!
The Pose Drawing Sparkbookjust broke the tape! We are now 100% funded and this thing is gonna happen! Woo hooo! (Hard to type this while I'm dancing a jig.)... Read more
Stretch Goals!
I'm back from my trip and finally have all the stretch goals put together. But first, I want to give a shout out to Richard Boom at BrokenFrontier for featuring the... Read more
One More Thing...
One more thing...if you have any suggestions for stretch goals you'd like to see in the Sparkbook, please let me know. I'm happy to hear from you.
Stretch Goal #1!
As I write this we are 94% backed with 9 days to go. So close! So I've decided to announce the first stretch goal:
If we reach $12,000, the Pose... Read more
"Sparkbook" Featured on BleedingCool.com!
News about the Pose Drawing Sparkbook continues to spread! More sites are featuring it including On Animation, Animator Island, and even a concept art blog from Brazil. But the... Read more
Special Weekend Stretch Goal!
The Pose Drawing Sparkbookis almost 90% funded! The project has also been getting some more publicity. In addition to the many websites already showcasing the project, in the past... Read more
FAQ Added
I've added two more Frequently Asked Questions about the Pose Drawing Sparkbook to the Kickstarter page (just scroll to the bottom). I'm also posting them below. I hope this helps... Read more
Sparkbook Snippet: "Acting With The Entire Body"
The Sparkbook campaign is slowly but surely picking up steam. We are currently at 70% of the goal with 225 backers and counting. The Sparkbook has been featured on animation... Read more
We're at 60%! Here's how you can help get to 100%
The Pose Drawing Sparkbook is 60% funded in just 9 days! Woo hoo! I'm also getting a ton of great feedback, with several people calling the Sparkbook a "must have".... Read more
Sparkbook Snippet: "Action Reveals Character"
As promised, here's a short snippet from my upcoming Pose Drawing Sparkbook, a tool to help artists add more life to their poses. The book is still being written... Read more
New Reward Option: Ebook Only!
A few of you have asked for an ebook-only version of the Pose Drawing Sparkbook. Good news! I'm happy to say it's now available.
I've added an option to purchase... Read more
Sparkbook Update: 50% Funded In Only Five Days!
Woo hoo! Yesterday we reached the halfway point, after only five days! I guess that means some stretch goals will be coming sooner than planned. THANK YOU ALL!!!
However, contributions are... Read more
Coming Soon: Sparkbook Snippets!
Very soon I'll start posting snippets from my Pose Drawing Sparkbookon the Updates page and also over on my studio blog. Hopefully it will be solid, inspiring content that... Read more
Update: The SparkBook Is Now "Popular"!
The Pose Drawing Sparkbook continues to do well on Kickstarter. It's Day 3 and it's already passed the $3,300 mark and is 37% funded! Over 1,500 people have watched the... Read more
A Quick Clarification
I wanted to clear up a little confusion about the Basic vs Expanded version of the Pose Drawing Sparkbook.
Every version of the book will include four bonus lists of... Read more
Wow! 22% funded in less than 24 hours
Wow, we are off to a great start! In less than 24 hours we've passed the $2,000 mark. All 50 of the early bird specials have been purchased, the project... Read more


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Rent The Letters of Charles Dickens 1st edition today, or search our site for other textbooks by Madeline House. Every textbook comes with a 21-day "Any Reason" guarantee. Published by Clarendon Press.
Need help ASAP? We have you covered with 24/7 instant online tutoring. Connect with one of our tutors now.


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Young Merton website
Merton Family Service Directory
Children's Social Care
Children's Centres
This edition of Young Merton Together showcases a range of positive activities which Merton's children and young people take part in, helping them to develop resilience, life skills, future employment skills and confidence, and to have a great time!
Our young people show enthusiasm in and commitment to their endeavours and are a credit to our Children's Trust services – including schools, health, police, the voluntary sector, and Merton's children's services - whose staff work with energy and vision to create these wonderful opportunities:
At the end of May, Carol Curtis, Merton's Duke of Edinburgh (DofE) Awards scheme manager and I represented the borough at the Duke of Edinburgh's award scheme 60th anniversary. We currently have 50, 16 to 18-year-olds from Merton's schools working hard to complete their Dof E gold award, and in order to ensure equity of access and enjoyment of the scheme we are currently calling all 14-16 year-olds in the borough who identify as Lesbian, Gay, Bisexual or Questioning (LGBTQ) to join a new project to achieve their bronze award.
Other activities showcased include: Celebrating success – Project Search; Harris Merton's Win at Jack Petchey Regional Finals; Merton's newly elected Youth Parliament; Merton Junior Neighbourhood Warden Watch; Cadets supporting key Women in Policing Event; and Summer Fun for Merton's youth.
Also this month I am very happy to present a number of service successes: Merton awarded prestigious local government award as part of the South London Special Educational Needs Commissioning group; Homestart Merton continues to support our local families; Mitcham Healthy Schools Celebrate; and a Call to schools to register with Healthy Schools London.
Under the theme of 'user voice' we have two stories about the participation of care leavers in service developments: Renewing our pledge to Merton's Looked After Children and Care Leavers; and Young people train Merton's foster carers.
Under the theme of children's safeguarding we have: An update from the Chair of Merton's Safeguarding Children Board; Concerned about Female Genital Mutilation (FGM)?; and A multi-agency approach to neglect.
In addition we have stories which illustrate our work to continuously improve services though a constant cycle of performance management and improvement planning: Merton's duty to ensure placements for all looked after children; and Merton's Children's Social Care Workforce - Annual 'Health check'
And finally we have some exciting new developments to share including Emotional well-being – a free learning and skills event for Yrs 5 and 6; Child Healthy Weight Support; Health Provision and Children's Centre Service Co-Location; and Meet the new Merton Council Cabinet Members for Children's Services, and Education.
It only remains for me to thank you all for your hard work and persistence in delivering high quality services to children and families, and for ensuring that we, as Merton's Children's Trust, continuously review and improve our offer to them.
Best wishes, Yvette
Hear from a local couple who have adopted Toby, aged 13 months.
contribute to young merton together - email email@example.com.
The next edition will be published in late July 2016
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Practice Player vs. Game Player Have you ever been labeled as a "practice player" or a "game player"? The difference between the two are simple. A "practice player" is someone who does extremely well in practice but can not carry it over to the game, where as a "game player" is someone who performs mediocre in practice but excels in a game. Why does this happen? Easy to answer, hard to fix! Players who shine during practice but not in games usually have the problem of self image and confidence. Practice is a very comfortable atmosphere where there are more knowns than unknowns. That … [Read more...]
Enea's Corner: Practice player vs. Game player
Enea's Corner: Dealing with Injuries
Most top athletes have had to deal with injuries at some point in their career. Whether it is a flaring twinge that requires daily maintenance, a few months off, or a season ending injury, what often separates elite athletes from average athletes is the way they deal with these unfortunate set backs. If you're a serious athlete and have ever had an experience with an injury, then you know that the physical hurt you feel is only one very small part of the overall pain that you have to go through in the rehab process. The psychological pain caused by your injury and the temporary loss of your … [Read more...]
Enea's Corner: Dreams
Have you ever had someone tell you that you are not good enough? Or that you just don't have what it takes? As an athlete we have all been in this situation before, some more than others. There always seems to be negativity coming from a coach, a parent, a teammate, or siblings. I am here to tell you how to push these "dream stoppers" out of your life so you can continue on your road to success! How you think is everything: Think positively in every situation or opportunity. Visualize success and not failure and avoid negative environments and people. The best response to a negative person … [Read more...]
Enea's Corner: What College Coaches Look For
The biggest question young baseball and softball players always ask me is, "What are college coaches looking for while recruiting?" There never is just one answer for this question. Each college coach looks to improve their program each year, constantly looking to fix their weaknesses. It depends on what that specific program needs that year; contact hitter, shortstop, pitching, power hitter, or just in general an athlete to mold. Below I have listed key qualities that every college coach loves to see! Work ethic: Coaches want players that will dedicate all of their time and efforts to the … [Read more...]
Enea's Corner: Juggling School and Sports
Being a student-athlete comes with an abundance of perks: exercise, competitiveness, keeping you out of trouble, and friendship. The list goes on and on, but it also comes with a lot of responsibility. Responsibility that most teenagers tend to put aside and only confront when necessary. These days, academics is taking a back seat to athletics, which teenagers rationalize as they have to be working the hardest at their sport to be the best. I know those days when you believe you had the worst practice or the worst game and the only thing that will counteract your performance is none other … [Read more...]


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Anyone that watched Super Bowl 50 saw that Denver Broncos linebacker Von Miller was virtually unblockable in the team's 24-10 victory over the Carolina Panthers.
Miller picked up where he left off in the AFC Championship game, when he recorded three sacks and five other pressures. The Panthers didn't have any answers for Miller, either, and he racked up six tackles and two-and-a-half sacks (forcing fumbles on two of those, both of which led to touchdowns).
The takeaway here is that Miller is pretty good, and not many players want to line up opposite him. Teammate C.J. Anderson sure doesn't, and the Broncos running back had a great quote about it in speaking with the media after the game.
In Broncos' locker room, CJ Anderson said he wants to finish his career in Denver so he "never has to block Von Miller."
— Adam Schefter (@AdamSchefter) February 8, 2016
It's no wonder that Miller took home the MVP award. He was the difference in the game, coming up big when his team needed him most. And Anderson wants nothing to do with attempting to block him—ever.


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Round the Clock(s)
by Pearl Tesler • September 7, 2016
"What time is it?" Ask this simple question and you'll get a deliriously un-simple set of answers, courtesy of Timepieces, a new artwork by Katie Paterson on display at the Exploratorium.
Igniting curiosity and inspiring conversation, Spectrum brings you the latest news and perspectives from across the Exploratorium.
by Pearl Tesler • September 7, 2016
"What time is it?" Ask this simple question and you'll get a deliriously un-simple set of answers, courtesy of Timepieces, a new artwork by Katie Paterson on display at the Exploratorium.
by Eileen Campbell • August 31, 2016
Get ready for the upcoming total solar eclipse with five facts about this amazing astronomical phenomena.
by Maria Zilberman • August 30, 2016
On August 21, 2017, a total solar eclipse will cross the continental United States, from Oregon to South Carolina. Here are a few things you can start doing now to maximize your Eclipse 2017 experience.
by Maria Zilberman • August 23, 2016
The Exploratorium recently worked with the San Francisco LightHouse for the Blind and Visually Impaired to develop a tactile and Braille-based map of our campus.
by Shannon Eliot • August 22, 2016
While it has been nearly 50 years since the Exploratorium opened its doors to the public, its founding principles are just as important — and perhaps even more so — in 2016.
by Mary Miller • August 20, 2016
The Exploratorium is partnering with Nautilus and the Ocean Exploration Trust to follow along as they explore the shipwrecks, deep-sea ecosystems and submarine geology in the Greater Farallones National Marine Sanctuary off our coast.
by Eileen Campbell • August 19, 2016
A year from today, a total solar eclipse will cross the continental USA. You want to be there to see it!
by Maria Zilberman • July 14, 2016
Scientists on the E/V Nautilus are hoping they can analyze deep-sea water samples to identify what species of coral live in the environment.
by Maria Zilberman • May 20, 2016
Today is the launch of Science Journal, a digital science toolkit that helps kids (and adults!) measure and explore the world around them.
by Kevin Boyd • March 10, 2016
More than 900 middle and high school students spent their Exploratorium field trip focusing on sea level rise and carbon dioxide in the atmosphere.


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Mortgage guidelines is your prime location for mortgage-related information in the USA. It is updated for 2016, and completely free to use. Scan through these options, and educate yourself with our comprehensive guide.
Tools: Have a look at your right hand side to view our mortgage calculator & up-to-date mortgage rates. Alternatively you can click here to view them in full size.
Guide: Download our PDF guide for FREE! Guiding your through the ins and outs of mortgage loans. Or, read it online here.
Some more recommended guides about personal finance:
- Fresh grads finance and tackling ebts
- How to transfer money online cheap
- Send Money Australia – Online
- UK house prives guide
- Finance for women by Oprah
- How to buy a home
- Retirement and investment
- How to hedge your FX exchanges
- Lingo by The Wall Street Journal
Audio Guide: Download our Audio ebook guide for FREE! – 8 minutes of audio narration. A unique opportunity to learn about the mortgage world for the vision impaired Viable as a podcast.
View the basics: Learn the very basics of mortgages in 10 quick slide in powerpoint! Click here
Mortgages & U.S Economy in the past 30 years
An inforgraphic.
Quotes: Get your free, tailor made and optimized, mortgage quote via email! Click here
Trivia: Test your knowledge with our fun, free, 15 question trivia! Click here
Best free tools to make a decision on mortgage
A mortgage calculator
Buy VS RentClick to expand
Amortization calculatorClick to expand
Mortgage interest ratesClick to expand
|provided by: mortgage tool
The ultimate guide to mortgage loans
Going for a mortgage is a massive decision that will require a lot of financial commitment (Note: Mortgages are secured loans per definition, if you want unsecured business loans go here). Therefore, it is important that you know exactly what you are entering into by understanding how mortgages work. It is also important that you are sure that you will afford repayments.
What is a mortgage?
Simply put, a mortgage refers to a loan that you take out to finance a property or land purchase. The collateral of the loan is the property you have bought with the money. This basically means that should you fail to be up to date with repayments, the lender could repossess the property and sell it off to pay whatever you owe. This is why it is critically important that you choose a repayment schedule that is manageable. Majority of mortgages have a repayment period of 25 years although the term can also be longer or shorter.
Who can legally give you a mortgage?
Institutions that are legally authorized to offer mortgages are building societies, specialist mortgage lenders or banks. Before these institutions agree to lend you money to purchase land or property, they will do thorough investigations to ensure that you are able to meet the monthly mortgage payments.
Nearly all mortgage lenders will want you to pay some money called a deposit for the house. The mortgage making up the difference is always expressed as a percentage of LTV or loan-to-value. This is often expressed as a fraction (percentage) of the property value
For example, if you set aside a deposit of $20,000 on a $200,000 property, the deposit is said to be 10 percent of the purchase price. On the other hand, the mortgage LTV (loan-to-value) would then be 90%.
Generally, if you put down a higher amount of deposit for the house, you will be better placed to get mortgage with lower interest.
Difference between mortgage and other common loans
The main difference between mortgages and other ordinary loans is in terms of the duration of loan repayment. While ordinary loans can be repaid for as low as within one year, mortgages repayment period start at 5 years and can go up to 30 years. Another thing is that with these loans, the collateral is the parcel of land or house that you have purchased using the loan. It is like the bank or your mortgage lender helping you buy a house only to repossess it if you fail to pay for it.
Who should use mortgages VS other loans
Mortgages are designed for people who want to take a long-term loan to finance a property or land purchase. It is much better than to save for the house or land. If you have a steady job or stream of income for say, 15 years, then you would be smart to opt for a mortgage loan.
Who is eligible for a mortgage
Before lenders can give you mortgage loan, they will want to know if you can repay the loan successfully. Therefore, you need to know if you are eligible for a mortgage loan. The following are some of the ways to determine if you are eligible for a mortgage loan or note.
• Check your credit history
The first step towards ascertaining your eligibility status is to take a critical look at your credit report. Most traditional lenders will require you to have a minimum score of 720 but this tends to vary from lender to lender. There is very little chance of you getting approved for conventional mortgage loans if you have a credit score that is less than 650.
• Check your debt ratio
To do this, you need to compare your monthly income to your debt payments. In case you have a debt ratio that is too high, you may miss out on mortgage loan. Most lenders will check to see that your total monthly debt payment does not exceed 36% of your gross income. Many lenders will see you as a high risk for mortgage loan if your debts exceed 36 percent of your monthly income. To qualify for the conventional mortgage loan, lenders want your mortgage principal, property taxes, homeowner insurance and interest not to exceed 28%.
• Use online mortgage calculator to see if you are eligible
You can easily know if you pre-qualify for a mortgage loan by using online mortgage calculators. Before you get pre-qualified by a mortgage broker pr a lender, you may want to perform self-prequalification as this will give you inkling into the amount of money that you may afford for the house. Mortgage affordability calculators often require you to feed in things like sources of income, personal loans, auto loan monthly payments revolving credit card accounts, student loans as well as loan term and loan interest that you want.
What are the different types of mortgage product?
There are different types of mortgages and the kind you choose will have different repayment option. Below are some of the main types of mortgages.
a. Fixed rate mortgage
This is a type of mortgage where the rate of interest is agreed upon by you and your lender and it will stay like that for the mortgage period.
• Advantages
The best thing with this kind of arrangement is that your mortgage monthly payments will not change even if interest rates change. This can allow you to budget better for your repayment.
• Disadvantages
The biggest drawback with this arrangement however is that you will be tied in for the duration of the mortgage, meaning that even if interest rates were to fall, there is no way you will be able t take advantage of this fall.
b. Variable rate mortgage
This simply means that your payments will fluctuate based on interest rates determined by your lender.
• Advantages
Unlike fixed rate mortgage above, variable mortgage allow you to take advantage of the fall in interest rates.
• Disadvantages
The problem however is that you cannot budget with your payments because it may fluctuate a little.
c. Tracker Mortgage
This implies that your mortgage payment will vary either going down by or up and this is determined the base lending rate of the central bank. For example, the base lending rate may be 0.5%. Now if your tracker mortgage has an interest of rate 2%, then your new rates will be 2.5% if the base lending rate is raised by 0.50%. If the central bank increases it by 1%, your new rates will be 3%. Now if you had taken a mortgage loan of $1000000, this would mean that you now have to pay $250 per month more.
• Advantages
The advantage with this type of mortgage is that base lending rates are usually much lower than compared to fixed rate deals.
• Disadvantages
The disadvantage is that tracker mortgage does not offer you the same security which you get from fixed rate mortgage since rates are variable. It means that you must be ready to accept the fact that your monthly payments might go up at times.
d. Capped rate mortgages
These mortgages refer to a kind of variable mortgage that have a ceiling or cap on the amount of money you will need to pay. Since interest rates may increase or decrease, your payments may go down or up under the capped amount but you will not be made to pay more than the amount should interest rates rise further.
e. Collared mortgages
These are usually found along with tracker or capped mortgages. It simply means that there exists a set limit regarding how low the interest rates may go (this is called the collar). It means that your payments cannot get lower than a given level.
f. Cashback mortgage
Cashback mortgages will give you additional lump sum of cash, usually at the start of your mortgage.
g. Offset mortgage
These allow you to reduce the interest you pay on the mortgage by forfeiting interest that your saving will earn you. This must be held by the same lending institution in your savings account.
h. Discount mortgage
This operates in a similar fashion to tracker mortgages but the difference is that unlike tracker mortgage, discount mortgage rates are linked with SVR (standard variable rate that is set by the lender). This can be a significant difference since lenders can change the SVR even if no change of base rate has taken place.
• Advantages
Its advantage is that SVR tend to be lower compared to fixed rate mortgages. Also, given that discounts are variable, rates could fall or even rise. In case there is a fall in the rates, your monthly repayments also fall.
• Disadvantages
The disadvantage is that you cannot budget with it because of the fluctuation of the interest rate. Also, the manner in which discount mortgages are set is not transparent like is the case with tracker mortgages.
How to choose the best mortgage for you
By the time you are done paying off your mortgage loan, the interest you will have paid will be greater than the actual house purchase price. For instance, if you take out a mortgage of $125,000 at 8% interest rate for a period of 30 years, the interest that you will pay is $205,000 plus the $125,000 that you borrowed. You will have paid $330,000 for a house whose purchase price was $125,000. This is why it is very important that you shop around for the best mortgage because this will be probably the greatest financial decision you will ever make.
• Choose between fixed rate and adjustable-rate mortgage
In case you plan to stay in your house for many years or even indefinitely, then it may be best to lock it in a fixed rate. This is even better when the interest rates are lower.
On the other hand, if you plan to sell the home in 3-5 years, you would be smart to go for a hybrid ARM that has an initial fixed-rate duration matching the length of time that you plan to stay.
• Do you want duration of 15 or 30 years?
The difference in the monthly payments between a15-year and 30-year loan on a $200,000 mortgage loan with a 4.5 interest rate will be %517. However, a 15-year mortgage loan typically has lower rate which reduce the interest you pay on the loan duration.
• How much are you willing to set aside for your down payment?
Many lenders will insist on a 5% minimum down payment. By putting down a deposit of at least 20%, you will not be needed to pay a further monthly premium for PMI (private mortgage insurance). Generally, the more you set aside for the deposit, the better rates you are likely to get from your lender.
How to calculate the expected interest and monthly payment
Calculating the expected monthly payments as well as the interest is very important when picking out the best type of mortgage. There are many online mortgage payment calculators that you can use to an approximate amortization schedule for the mortgage that you are currently servicing. It will show you the amount of interest you can pay as well as estimated principal balances. These mortgage calculators even help you see the impact that any principal prepayment will have on you.
Mortgage regulation & conditions compared to UK, Australia, and Canada
Canada's housing currently stands at 32% above trend, which is just under the 35% mark on which USA bubble burst.
As for Australia, the median home prices had detached from long-term P/I (Price/Family-Income) ratio of 3.2 in 1997. The ensuing low interest rates enabled consumers to purchase more pricey existing homes while not increasing their monthly mortgage payments. In 2008, the Price/Family Income ratio was pushed to an unsustainable high of 4.8 by irrational exuberance.
The average home price in UK also detached from the 2.0 Price/Income ratio back in 1997. The low interest that were to follow allowed consumers to purchase more pricey existing homes while not increasing their monthly mortgage payments. Inevitable irrational exuberance swept the P/I ratio to 4.9 in 2007. Also the GBP is very volatile especially when paired with the Euro (bear in mind, it is a common practice in the UK to shop for homes elsewhere in Europe). We advise your to use Money Transfer Comparison Services which UK- specialized, in order to reduce the currency volatility when shopping for home abroad.
The average home price in Canada detached from the long-term P/I ratio of 2.7 in the year 2002. This ratio hit a 3.6 bubble high in 2011.
US had lowest interest rates as it emerged from the 2001 recession and this allowed consumers to buy more pricey existing homes while not increasing their monthly mortgage payments. This then caused median price to go over its long term P/I ratio of 1.8. In 2005, irrational exuberance increased the P/I ratio to 2.8 in 2005.
The best place that offers the best value for mortgage is Canada. The country underwent several structural changes and innovation in recent times, mainly in 2006 after the federal government relaxed mortgage insurance.
Current mortgage rates compared to historical over past 20 years in US
At the moment, mortgage lending rates are lower than at any point in the last 40 years. As of June 2010, the average 30-year fixed rate stood at an average of 4.74% (according to Freddie Mac) which is just amazing. The downtrend can be attributed to lackluster demand for the residential real estate.
In 1971, the rate for 30-year fixed mortgage was 7.3%. This then rose to unsustainable high of 18.45% as of October 1981. This did not come down to below 8% until February 1993.
Is Mortgage right for me?
A mortgage is really a big deal and before you apply for one, it is very important that you think critically. And because your lender is taking a big risk in advancing the mortgage to you, they will look into several things before approving your mortgage. Asking yourself the following questions will not only inform you if a mortgage is the best thing for you but it will also ensure that you do not struggle with your mortgage repayments. There is no use getting a house only for your lender to repossess it when you fall behind in your payments. Here are the considerations to take in mind:
• What is your income?
Lenders want to know your annual income. There are some lenders who even consider your overtime and bonuses while some lenders even factor in the expected rental income where you plan to rent spare rooms out.
• What is your age?
This basically has to do with the years remaining before you retire. You can only qualify if your remaining work years can cover the period of the mortgage.
• How much in outstanding loans do you have at the moment?
Remember that if you happen to have other loans, it will have an impact on how much money you can borrow. Also, such outstanding loans may hamper your chances of getting a mortgage.
• What are your outgoings?
Other than your loan repayments, lenders are also interested the financial commitments that you may be having. These include things such as childcare costs. If you have a lot of other financial commitments, a mortgage is probably not the right thing for you.
• Have you been saving?
In order to take out a mortgage, you need to have a deposit which can be up to 10% of the house or property value. It also shows that you can save and you have accumulated enough money to go for your deposit as well as other expenses.
• Do you have a healthy credit history?
If you have been paying your past loans on time, then a mortgage is probably a good thing for you. But if you have struggled in the past, you could just be getting into more trouble. Moreover lenders will examine your credit history and if it is not healthy, they are not likely to advance you any loan.
Ways to repay your mortgage?
Basically, there are three ways of repaying your lender. The method you use will depend on your financial circumstances as well as what your lender offers. They include the following:
Repayment (interest and loan)
This represents the most common way to repay a mortgage. Your regular repayment will be composed of a fraction of the amount you borrowed plus any interest accrued every month. This means that provided that you maintain your repayments fully and on time, your mortgage will have been repaid by full when the loan duration comes to an end.
Under this payment option, you will only pay for the interest on the loan you have borrowed, and it usually translates to lower monthly repayments. But after the agreed ??mortgage period' elapses, you will still be owing the full amount borrowed. Therefore, you must find ways of paying it back. You will require paying into a different investment so as to build up the money needed for repaying the mortgage when the term elapses. Today, many lenders are restricting the amount of loan that you can qualify for on interest only mortgage. This has been capped at a certain percentage of property value, for instance, the maximum loan could be 50 percent of the value of the property.
Part and part mortgage
Under this option, you will be able to pay back part interest-only as well as part repayment every month.
How to pay your mortgage early
It is a good thing that you are already thinking about how to pay off your mortgage early. Whatever small change you make, it can affect your mortgage balance in a big way. Some of the ways through which you can pay your mortgage early include:
• Repaying expensive debts like credit cards before your mortgage
• Make your savings to work harder for you
• Shorten your mortgage duration
• Pay in excess
• Offset mortgages
Visit http://moneyfacts.co.uk/guides/mortgages/how-to-pay-off-your-mortgage-early/ for more information on how you can pay off your mortgage early.
What are the costs that are associated with a mortgage?
When getting a mortgage, it appears as if everything just revolves around fees. So what are the fees that you need to prepare for? We list them here.
Booking Fee
• This is sometimes known as application fee and it is the fee that you will pay at the very beginning after completing the mortgage application.
• Basically, the fee serves to book your mortgage funds even as your application is being processed.
• You pay this fee upfront but some lenders will allow the fee to be included in your mortgage balance.
Arrangement Fee
• It also goes by the name Completion Fee and it requires paying any time prior to the mortgage starting.
• This is the fee that your mortgage lender will charge you to set up the mortgage.
• The manner of paying this fee is optional. You can pay it upfront or even add it to your mortgage balance.
Valuation Fee
• Your mortgage lender will charge you this fee to commission a mortgage valuation. A mortgage valuation refers to basic inspection of the property that you want to buy.
• The purpose of valuation is to determine whether your home can act as good collateral to lend on.
• This fee is paid upfront when making your mortgage application.
For more details of these fees as well as other fees that you will be required to pay, visit http://moneyfacts.co.uk/guides/mortgages/what-fees-do-i-need-to-pay/.
Big Banks offering Mortgage in the US
Some notable names that offer mortgage lending in the US are Chase Bank, Wells Fargo, CitiMortgage, Bank of America and Ally Bank among others.
How to avoid overpaying for your mortgage
As a first time homeowner, your mortgage payment is likely to be the biggest check you will write monthly. For this reason, it is important that you shop around to cushion you from overpaying for your mortgage.
• Mortgages are not just about interest rates
Most first time homeowners make the mistake of focusing squarely on the interest rate that a particular loan attracts. But the truth is that interest rate is not usually the same thing as APR, or annual percentage rate. Interest rate is simply the cost of borrowing the money while APR is the total loan cost. It is these extra costs, including fees, points and loan costs that you should be comparing when you shop for a loan. For more information on the difference between interest and interest and APR, you can check out this link:http://www.consumerfinance.gov/askcfpb/135/what-is-the-difference-between-an-interest-rate-and-an-apr.html.
• Compare Mortgage Lenders' Offers
Lenders of mortgages usually give borrowers a form called Good Faith Estimate. This form will have to be filled and returned within three days. This standardized form enables you to easily compare offers from different lenders.
Even if your loan gets accepted before you have made up your mind on the lender to work with, do not worry. You are under no obligation whatsoever to work with a mortgage lender before signing the paperwork.
• Lock Your Rate
Because an offered interest rate is not always binding, locking the mortgage rate guarantees that your mortgage lender will agree to provide you the said interest rate for a given period of time. With standard locks, the duration is 30 days although costs tend to vary based on the duration. Therefore, make sure that your lock rate spells out the interest rate, lock duration as well as number of points.
Mortgage related protection
While it is okay to protect your property, you also need to be insured. It is important that you plan how you will keep up with your mortgage payments even when you are not working as a result of injury or illness as well as how your loved ones will cope were you to die.
Several insurance products exist to help you not only safeguard your home but also your ability pay. They include:
• Critical illness
With this insurance, you can get a lump sum should you suffer a critical illness that is covered by the policy. This is a means of securing financial help when you need it most.
• Life assurance
Under this cover, your family may receive a lump sum should you die. Some policies allow your loved ones to get lump sum payment even when you are diagnosed with a terminal disease.
• Income protection
You get regular monthly income even if you are not working for an extended period of time due to illness or an accident.
Getting a mortgage if you are self-employed
If you are self-employed, you can also qualify to get a mortgage. However, your work is cut out for you because you must show proof of your income to every mortgage lender that you apply to. Most lenders want to see your accounts for the last two years or your tax returns. If you can show more accounts, it is better for your chances.
When lenders make a decision as the amount of money that they should advance to you, they will base their calculations on the average profits that you have been getting in the last couple of years. Lenders will want you to hire an accountant to that then prepares your accounts. And most lenders will insist on a certified or chartered accountant. Therefore, it is important that you have this at the back of your mind when selecting an accountant. You will also need to ensure that your accounts are the latest and that they are in order. Only then can you apply for a mortgage.
Mortgage refinancing
Mortgage refinancing refers to replacing the original mortgage with a new one. The purpose of doing refinancing is to enable you, the borrower, to get a different as well as better terms and interest rates. Your first loan gets to be settled, paving way for the second loan being created. This is opposed to just making new mortgage and throwing the old one out through the window. And if you have a healthy credit history, this can be a very good way to change a variable mortgage to a fixed one, hence obtaining lower interest rate. On the other hand, if your credit history is not good or is less than perfect, refinancing might be risky.
Understanding what a reverse mortgage is
This is a type of loan that is designed specifically for individuals above 62 years and the purpose of the loan is to enable them convert a part of equity in their homes into cash.
The reason this product was designed was so as to assist retirees having limited income to use accumulated wealth fond in their homes to meet basic monthly expenses as well as pay for healthcare. But this does not mean that a restriction is put into how the proceeds of reverse mortgage may be used.
The mortgage is so called because it reverses traditional payback stream. As opposed to a traditional mortgage where a borrower makes monthly payment to the lender, here it is the opposite. The lender makes monthly payments to a borrower.
Advanced topics
- How First Time Home Buyer Loans Work (http://banking.about.com/od/mortgages/a/firsttimebuyer.htm)
- How Second Mortgages Work (http://banking.about.com/od/mortgages/a/secondmortgage.htm)
- High-Risk Mortgages (http://banking.about.com/od/mortgages/a/hiriskmortgages.htm)
- Get the Wrong Mortgage by Comparing APR
Test yourself with our fun mortgage trivia!
And another one… test your knowledge with our advanced trivia game
Q1. Which of the following is not one of the ways to repay your mortgage? (D)
A. Interest-only
B. Repayment
C. Part and part mortgage
D. Borrowing from the bank
Q2. What are the things that you should consider before taking out a mortgage? (A)
A. Your ability to repay
B. Where you currently stay
C. The number of children you have
D. All of the above
Q3. A mortgage is often associated with various kinds of costs. The following are all the fees charged except one? (D)
A. Booking Fees
B. Valuation fee
C. Arrangement fee
D. VAT Tax
Q4. Below are tips to avoid overpaying for your mortgage. Which one is not? (C)
A. Comparing offers by different lenders
B. Locking your rates
C. Considering only the interest rate charged by a bank
D. All of the above
Q5. As a self-employed/contractor, the lender will ask you to furnish them with bank accounts for how long? (C)
A. 6 Months
B. 1 Year
C. 2 years
D. 3 Years
Q6. The following insurance coverage can protect your property as well as ensure that you keep up with mortgage payments. Which one is not
A. Critical Illness
B. Theft
C. Income protection
D. Life Assurance
Q7. Which of the following is not true regarding mortgages?
A. Only the employed people can qualify for a mortgage
B. A mortgage is meant for people who do not have enough money
C. Your chances of qualifying are hurt by unhealthy credit score
D. Different banks charge different interests on their mortgages
Q8. Mortgage refinancing can help you get better terms. True of False
A. True
B. False
C. I don't know
D. None of the above.
Q9. Which one is true with regard to reverse mortgages? (B)
A. The borrower makes monthly payments
B. The lender pays the borrower every month
C. They attract much lower interest
D. Mortgage interest rate is the same as APR
Q10. Which of the following is not a way of paying your mortgage early? (A)
A. Paying off mortgage before credit card
B. Making overpayments
C. Shortening your mortgage durations
D. Offset mortgages
Q11. Which one of the following is true about mortgage refinance
A. You can switch to fixed variable mortgage
B. It is good if you have bad credit score
C. It throws an old loan out
D. None of the above
Q12. When deciding on the amount of money to advance to a self-employed person, the lenders look at their past average——————- (A)
A. Profits
B. Tax
C. History
D. Paying frequency
- http://www.totallymoney.com/guides/self-employed-mortgages/
- http://www.mortgagecalculator.org/helpful-advice/what-is-a-refinancing.php
- http://www.consumerhelp.ie/apply-for-mortgage
- http://moneyfacts.co.uk/guides/mortgages/what-fees-do-i-need-to-pay/.
- http://www.realestate.com/advice/3-ways-to-avoid-overpaying-for-a-mortgage-38802/
- /www.ritholtz.com/blog/2011/08/us-vs-canada-vs-australia-vs-uk-realty-bubble/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A
- http://ellidavis.com/toronto-real-estate-news/2009/12/differences-canadian-us-mortgage
- http://www.moneymatters360.com/index.php/compare-todays-mortgage-rates-to-those-of-15-or-20-years-ago-2-24950/
- www.bankrate.com/calculators/mortgages/mortgage-calculat.
- financialplan.about.com › … › Mortgages and Loans
- http://www.kiplinger.com/article/real-estate/T040-C000-S001-pick-the-right-mortgage.html


text: Tulsa Performing Arts Center Theatre Tulsa's Critically Acclaimed Staging of "Next to Normal" Returns By Rich Fisher • Sep 25, 2015 Theatre Tulsa's much-praised SummerStage production of the Pulitzer Prize-winning play, "Next to Normal," returns this weekend for a set of "back by popular demand" performances at the Tulsa PAC's John H. Williams Theatre. A novel and quite jolting blend of rock music and intense drama, this play depicts a mother who struggles with bipolar disorder, exploring how the affliction affects not only herself but her family. A Vision-Funding Appeal to Expand and Refurbish the Tulsa Performing Arts Center By Rich Fisher • Aug 28, 2015 On this edition of ST, we offer another installment in our ongoing series of interviews with organizations vying to be included in the Vision 2025 sales tax extension for the City of Tulsa. This extension is expected to go before voters in the spring of 2016, and over the past couple of months, many area organizations (from Gilcrease Museum to the Tulsa Zoo; from Tulsa Transit to Langston University) have been presenting proposals in this regard to the Tulsa City Council. We at StudioTulsa are speaking with certain of those groups whose ideas seem especially interesting and/or feasible. The Tulsa Symphony Orchestra Presents an Evening of Film Music by John Williams By Rich Fisher • May 8, 2015 John Williams -- the still-active genius who created the music for such classic movies as "Jaws," "Star Wars," "Raiders of the Lost Ark," "Close Encounters of the Third Kind," "E.T.: The Extraterrestrial," and "Schindler's List" (to name just a handful) -- is arguably the greatest composer ever to work in Hollywood. And his memorable, broadly popular music will be the focal point for the final Tulsa Symphony Orchestra concert of this season. "Red," the Tony Award-Winning Play about Artist Mark Rothko, Will Be Staged Soon at the Tulsa PAC By Rich Fisher • May 7, 2015 On this installment of ST, we learn about "Red," an award-winning play about the Abstract Expressionist artist Mark Rothko that will soon be presented at the Williams Theater in the Tulsa PAC by the locally-based American Theatre Company. Our guest is Lisa Wilson, who is directing this production. Musician and Performance Artist Holcombe Waller Offers "Surfacing" as Part of the New Genre Festival By Rich Fisher • Mar 6, 2015 On this installment of ST, we speak with Holcombe Waller, an award-winning musician and performance artist who is based in Portland, Oregon, and who will present a multimedia production entitled "Surfacing" tonight (Friday the 6th) and tomorrow night (Saturday the 7th) at the Liddy Doenges Theatre in the Tulsa PAC. Both shows begin at 8pm, and both are offered as part of the now-underway New Genre Festival XXII-A from Living Arts of Tulsa. Cellist Jeffrey Zeigler, Formerly of the Acclaimed Kronos Quartet, Presents a Concert of New Music By Rich Fisher • Feb 20, 2015 On this edition of ST, we welcome Jeffrey Zeigler, the gifted cello player and composer who's best known for his eight-year tenure with the internationally known Kronos Quartet. Since leaving that collective about two years ago, Zeigler has embarked on an interesting (and decidedly multi-genre) solo career that's found him collaborating with a host of fascinating musicians -- such as singer/songwriter Norah Jones, avant-jazz guru John Zorn, pianist Vijay Iyer, composer Philip Glass, Wilco drummer Glenn Kotche, and so forth. On Saturday Night at the Tulsa PAC, the Rastrelli Cello Quartet Returns to Town By Rich Fisher • Jan 23, 2015 On Saturday the 24th, in a performance beginning at 8pm, the highly acclaimed Rastrelli Cello Quartet will return to Tulsa. The concert happens at the Williams Theatre in the Tulsa Performing Arts Center and is presented by Choregus Productions. Our guest is the founder and artistic director of this group, Kira Kraftzoff. As he explains, the Rastrelli has been deliberately focused on -- and enthusiastically passionate about -- what classical music buffs sometimes call "non-traditional programming" since its inception in 2002. James Bagwell Conducts the Tulsa Symphony Orchestra in Beethoven's 8th Symphony and Mozart's Requiem By Rich Fisher • Jan 16, 2015 On this installment of ST, we speak with James Bagwell, a widely admired and diversely experienced classical music and choral conductor who's been on the faculty at Bard College since 2000, where he is currently the chair of the undergraduate music department and co-director of the graduate program in conducting. He's worked with organizations ranging from the American Symphony Orchestra and The Concert Chorale of New York to The Dessoff Symphonic Choir and the Jerusalem Symphony. At the Helm of a Local Favorite: A Chat with Edward Durnal, Director of ATC's "A Christmas Carol" By Rich Fisher • Dec 11, 2014 Tonight (Thursday the 11th) at 7:30pm, in the Williams Theatre of the Tulsa Performing Arts Center, American Theatre Company (or ATC) will begin its annual production of "A Christmas Carol." (Several shows are scheduled for this run, which happens through the 23rd; you can see a full schedule of performances here.) It's the 38th consecutive year for ATC to be presenting this locally-created, all-original-music, ever-popular stage adaptation of the Charles Dickens classic -- and to say that this work of musical theatre has bec Immortal Music Meets Bold Choreography as Tulsa Ballet Presents Both "Carmina Burana" and "Bolero" By Rich Fisher • Oct 30, 2014 "Carmina Burana," the work that launched Tulsa Ballet's Resident Choreographer Ma Cong's career, premiered in 2006 to rave reviews and overwhelming popular acclaim. It was glowingly re-staged in 2010 -- and now comes an another encore of Ma Cong's masterpiece. Tulsa Ballet will collaborate with members of Tulsa Opera, Tulsa Oratorio Chorus, and the Tulsa Symphony Orchestra in a monumental production of "Carmina Burana" on October 31st, November 1st, and November 2nd at the Tulsa PAC. Pages« first ‹ previous 1 2 3 4 next › last »


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Secretary of State Michele Reagan has joined with Republican interests in asking the U.S. Supreme Court to void the state's current legislative redistricting plan.Read More »
Brnovich eyes security upgrades for AG's Office
Attorney General Mark Brnovich is hoping to make the state's top law enforcement agency a little more secure.Read More »
AG's Office asks judge to lift injunction impeding abortion-related investigation
The Attorney General's Office is asking a federal judge to allow it to pursue an investigation into whether anyone in Arizona is violating state laws dealing with abortions and fetal remains.Read More »
Attorney Ryan files conflict-of-interest complaint against Bitter Smith
Attorney Tom Ryan filed an official complaint today with Attorney General Mark Brnovich's office to remove Corporation Commissioner Susan Bitter Smith from office.Read More »
Entrance fees set to rise at Flagstaff-area monuments
Entrance fees at the Flagstaff-area national monuments are going up starting Oct. 1. The increase applies to Sunset Crater Volcano, Walnut Canyon and Wupatki national monuments.Read More »
Migrant rights lawyers claim Border Patrol is destroying evidence of unsanitary holding cells
Border Patrol has been destroying "critical evidence" of conditions at holding areas despite a lawsuit calling them inhumane, lawyers for migrants are charging.Read More »
Child Safety Department revoking group homes' license
The state Department of Child Safety on Monday said it was moving to revoke the license of a Mesa company that runs four group homes for troubled youth in the Phoenix area.Read More »
2 regulators: APS and solar companies should stay out of 2016 elections
Arizona Corporation Commissioners Susan Bitter Smith and Bob Burns want public service corporations and other entities, including solar companies, to "voluntarily refrain" from making campaign contributions that affect Corporation Commission races.Read More »
Former director laments demise of governor's energy office
The former director of the governor's energy office said the state is losing a valuable service due to Gov. Doug Ducey's decision to close its doors.Read More »
Governor says DOC not to blame in prison riot
Arizona's Department of Corrections did nothing wrong in overseeing a private prison where a riot occurred last month and a breakout left two dead in 2010, Gov. Doug Ducey said today as he announced the state is terminating its contract with company managing the prison.Read More »


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The Hawks will host the second annual Corky Cox Classic Basketball Tournament Saturday.
LaRue County plays Madisonville-North Hopkins at 7 p.m. in Hawk gym.
Green County plays Evangel Christian at 3:30 p.m.; John Hardin plays Henderson County at 5 p.m.
The tournament is named in honor of Cox, former head boys' basketball coach.
Members of the Lady Hawks basketball team are front from left, Shaila Winston, Alisha Durbin, Haley Holt, Miranda Hornback; middle, Kristina Durbin, Shakeya Washington, Delany Eastridge, Kaylee Bush, Hunter Holt; back, Coach Travis Wootton, Coach Kyle Baker, Ivy Brown, Alley Evans, Alexis Brewer, Coach Roy Walker and Coach Tommy Adams.
Members of the LaRue County High School Hawks basketball team are front from left, Dalton Lawson, Gabe Shirley, Kelton Ford, Jackson Venegas, Dustin Coulter, Kody Close-Key; middle row, Coach Josh Henderson, Micah Wiseman, Caleb Sheffer, Coach Paul Childress, Tyler Howell, Thomas Harman, Dylan Cardin, Coach Simon Ford; back, John Selman, Chase Watson, Colby Skaggs, Trevor Wallace, J.C. Dunn, Dalton Metcalfe, Ben Fisher and Jaylen Massie.
The LaRue County Hawks Football Team raised almost $1,000 for breast cancer awareness on Oct. 26 by hosting a "Tackle for the Cure" game. The funds will be donated to LaRue County Relay for Life.
LaRue County High School Cheerleaders are front from left, Kristen Kells, Emily Armes, Taylor Dawson, Jayma Whitlock, Haley Dragoo, Brigitte Skaggs, Meredith Lindsey; middle, Savannah Long, Ally Hutchins, Mallory Skaggs, Darienne Grimes, Gabby Garcia; back, Katelynn Lafollette, Rachel Armes, Emma Bowling and Brittany Blair.
Coach: Paul T. Childress
Dec. 1 Madisonville-North Hopkins home 7 p.m. Corky Cox Classic
Dec. 4 Breckinridge County away 7 p.m.
Dec. 7 Hart County away 8 p.m.
Dec. 11 North Hardin home 7:30 p.m.
Dec. 14 Caverna home 7 p.m.
Dec. 17 Campbellsville home 7:30 p.m.
Dec. 20 Western Hills away 7 p.m. Capital City Invitational
Dec. 21 TBA at Western Hills Capital City Invitational
Dec. 22 TBA at Western Hills Capital City Invitational
Lady Hawks
Coach: Travis Wootton
Nov. 27 Thomas Nelson away 6 p.m.
Nov. 30 Meade County away 7:30 p.m.
Dec. 7 Hart County away 6:30 p.m.
Dec. 11 North Hardin home 6 p.m.
Dec. 14 Caverna home 6:30 p.m.
Dec. 15 Daviess County away 4 p.m.
Dec. 19 Campbell County at Lexington Catholic 7:45 p.m. Republic Bank Classic
Dec. 21 TBA at Lexington Catholic 8 a.m. Republic Bank Classic
Dec. 22 TBA at Lexington Catholic 8 a.m. Republic Bank Classic
LaRue County's Adam Sandidge took fifth in Saturday's 2-A KHSAA State Cross Country Championship at the Kentucky Horse Park in Lexington.
It was a significant improvement from last year when he placed 32nd.
Sandidge, who was ranked second entering Saturday, covered the 3.1-mile course in 17 minutes, 10.48 seconds.
LOG MOUNTAIN — For 2 1/2 quarters Friday night, the LaRue County Hawks had an eastern Kentucky power on the ropes.
Then Jonathon Polly got his groove back.
The Bell County senior running back ran for three of his four touchdowns in the final 19 minutes and finished with a game-high 210 yards on 23 carries to help the Bobcats rally past the Hawks, 35-14 in the second round of the Class 3-A state playoffs at Dudley Hilton Stadium.
The Hawks and Lady Hawks will kick off the upcoming basketball season with their annual Blue & White Night Friday, Nov. 16 at LaRue County High School gym.
Fans will have a chance to see the players and help with fundraising.
A chili supper will be held 4:30-6: p.m. in the high school cafeteria followed by the Blue/White activities in the gym starting at 6 p.m.
Copyright © 2016
The LaRue County Herald is your source for local news, sports, events and information in LaRue County, KY, and the surrounding area.


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Love these guys.
Love these guys.
Last edited by Vestig3; 2012-10-13 at 11:38 PM.
Asus Z170-DELUXE - Intel Core i7 6700K - Corsair H110i - HyperX Predator 16GB 3200MHz DDR4 - EVGA GTX 1070 SC - Corsair RM850x - Corsair Graphite 780T - Asus Xonar DX2 - HyperX Savage 480g SSD - Seagate 3TB External HD
Vestigé Protection Warrior - Pyronus - Thóral - Vesty- Véstige - Currently Playing in The Ministry on Ragnaros - 13/13 Mythic.
To best one in battle is one thing. To defeat them without striking a blow, that was my hope. You have failed me, completely and utterly.
I don't hate you. I'm just not necessarily excited about your existence.
"There cannot be true dispair without hope." - Bane
Been on repeat
Ayumi. <3
I was born in the wrong generation
If addons are just a crutch for healing, forks are just a crutch for eating spaghetti and real carpenters pound in nails with their foreheads.


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Say what you will about Matt Taibbi's piece in Rolling Stone on the evils of Goldman, Sachs & Co., one thing is for certain -- this story has legs. Long ones. Like a vampire squid's tentacles, perhaps. (Sorry, we couldn't resist.) Nearly three weeks after hitting the newsstands, Taibbi's invective continued to ignite debate about everything from the criminality of Wall Street to the rise of a new anti-Semitism to the role of financial journalism in a post-bubble world. The piece is so ubiquitous, so part of the conversation, that it recently made its way into a page one story in The New York Times on Goldman's second-quarter results, conveniently allowing the Gray Lady to sling mud at the firm while keeping its own steely tentacles relatively clean. Even Eliot Spitzer got into the act, calling Taibbi's story "good journalism and good reading."
But as bloggers, twitterers, disgraced former governors and other pundits dissected the piece's foibles, follies and ultimate value, one quarter remained uncharacteristically quiet: the Columbia Journalism Review's online business desk, The Audit. Day after day, we logged on to CJR to read The Audit's take on a piece of long-form journalism (a rare commodity these days) that had been lauded by some for its accessibility -- inaccuracies and exaggerations be damned -- and derided by others as mere worthless polemic. And day after day, we were disappointed and then mystified.
For a site that has repeatedly railed about the business press' failure to take on big financial institutions, its lack of comment on a major piece that did just that -- in spades -- was puzzling. Taibbi's story and the buzz around it has raised just the sort of questions you would think the folks up at Columbia would want to analyze with rigor; namely, is it OK to get some facts wrong, sling around unsubstantiated charges and throw away even the pretense of balance, as long as you believe the big picture you're painting is more or less correct? Many bloggers noted that while they didn't agree with all of Taibbi's points, they were on board with his larger argument that Goldman is way too powerful, way too politically connected, successful, creepy and greedy. So why quibble with his reporting?
The piece also seemed tailor-made for The Audit because, at least from this outsider's point of view, the site and the story appeared to share the same politics.
Still, nothing was forthcoming -- a state of affairs that got stranger when an Audit piece on the Goldman Sachs code-theft case linked to two stories on the powers of "Government Sachs" but made no mention of Taibbi's blockbuster. Now, we understand that The Audit isn't necessarily comprehensive. But we were also tempted to speculate that the silence may stem from the fact that Goldman is one of The Audit's backers. In fact, reacting to the brouhaha over The Washington Post's fundraising "salons," The Audit recently disclosed that it holds semiannual breakfasts for its funders and potential funders, including Goldman and Citigroup Inc.
That could make it decidedly awkward for the site to deal with Taibbi's takedown. It's a tough situation. Praise Taibbi and piss off a funder; tear the story apart and look like its mouthpiece. Still, The Audit has not shied from criticizing Goldman in the past; it even got into a public spat with Goldman spokesman Lucas van Praag over its take on the firm's role in the AIG bailout and how it benefited from it.
Audit writer Ryan Chittum said his site's silence had nothing to do with Goldman but everything to do with the fact that Rolling Stone was slow to put the entire Taibbi piece online. (It was a complaint lodged by many bloggers, who apparently did not want to shell out $5.95 at the newsstand. How sad for magazines.) But he also said he would include the Taibbi story in a roundup of Goldman's earnings coverage that would run the next day. In that post, Chittum calls the piece "a fascinating-if-hyperbolic polemic" but does not address some of the journalistic issues surrounding it, such as the value of throwing up lots of different charges to see what ultimately sticks.
Too bad. What better place to debate such topics than CJR? And what better time than now, as our ever more complex, conflict-ridden world makes spinning conspiracy theories such a seductive exercise? We can even spin a new one about Goldman, as in, it's so powerful it's even jammed its blood funnel into CJR! Hyperbolic, but hey, you get our point.
Yvette Kantrow is executive editor of The Deal.
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Welcome to www.pattypage.com, the most comprehensive web site available for real estate in the Dover, Tennessee area. If you are looking to buy or sell a home, you have come to the right place. Homes For Sale, Real Estate, Realtor, Agent, Real Estate Agent, Real Estate Broker, Relocation
Phone Numbers
- main:
(931) 232-5082
Vanity City Name
- Dover
0.7 Miles
714 Donelson Pkwy, Dover, TN 37058
0.5 Miles
620 B Donelson Pkwy, Dover, TN 37058
3.0 Miles
283 Keel Hollow Rd, Dover, TN 37058


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Community Profile
I found this to work, by the way: s = 'subpackage'; fhandle = str2func(['package.' s '.myfunction']); out = fhandle(args); I ...
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7 years ago
Hi there, I wonder if anyone could shed some light on this problem of mine. The code used to work with older versions of MATLA...
7 years ago
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Hilary Duff
Collection popularity
657 views
All the items in here i have and love!! im a huge Hilary fan and always will be!!!
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