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VA Homeowners Guide PRESENTED BY.
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1 VA Homeowners Guide PRESENTED BY
2 TABLE OF CONTENTS Introduction to LowVARates Why a VA Loan? VA Loan Eligibility What is a COE? Occupancy Requirements Credit/Income Requirements VA Funding Fee Closing Costs Pre-Approval Refinancing Options The First Step
3 Introduction to LowVARates LowVARates.com is dedicated to assisting as many eligible active and retired military to help them become homeowners through utilizing their hard-earned VA home loan benefits. For the past 20 years LowVARates.com has been dedicated to serving veteran homeowners. We specialize in providing VA loans to qualified veterans for mortgage purchases and refinances. Our professional staff will assist you to lock in low interest rates and take advantage of the unique opportunity provided through VA loans. Current statistics indicate there are roughly 25 million eligible VA homeowners, however, only 10% - 15% of eligible homeowners actually use a VA home loan. Our goal is to educate all eligible VA homeowners about the VA home loan program for their next purchase or refinance. After reading through this VA loan guide, we are confident veterans and military personnel will utilize your VA home loan benefits. We hope you enjoy this overview and look forward to assisting you in any way we can. 2
4 Why a VA Loan? In 1944, the Department of Veterans Affairs started helping veterans become homeowners. Since 1944, the VA has issued loan guarantees on almost 20 million home loans. The Department of Veterans Affairs does not issue loans, lend money or approve your loan. However, the VA does repay a portion of your loan to the lender if you ever default on your mortgage. Why should veterans or military personnel choose a VA loan instead of a conventional or FHA loan? We will cover a list of reasons as to why a VA loan is your best option; however, most homeowners who used a VA loan when buying their home will tell you the #1 reason to use a VA loan is that there is no money down required when buying a home! Why a VA loan over other loan options? No down payment required (100% financing) In today s housing market statistics show an average loan amount in the United States to be roughly $160,000. An FHA loan requires a 3.5% down payment, which is almost $6,000 paid in order to buy a home today. Conventional loans can require up to 20% down or $32,000 out of pocket to close on your home! Using a VA home loan to purchase property saves you thousands of dollars up front. No monthly mortgage insurance Both FHA and conventional loans require mortgage insurance as part of the monthly mortgage payment. The only way to avoid paying mortgage insurance is to put 20% down on a conventional loan. If you use an FHA loan to buy a home, you will be paying mortgage insurance for a minimum of five years regardless of how much money you put down. Again, you can see that VA loans put more money into the pockets of our military homeowners. Lower interest rates Though interest rates fluctuate on a daily basis, the VA home loans generally carry lower interest rates than conventional loans. Not only do these lower interest rates make mortgage payments less, but they also allow homeowners to get approved easier due to lower debt ratios. Easier to qualify for It is important to understand that statistics show close to 80% of VA loan holders would not have been approved for a conventional loan under the exact same terms. It s true that VA loans are easier to qualify for than conventional loans. 3
5 VA Loan Eligibility The fastest and easiest way to determine VA eligibility is to contact LowVARates.com by phone or online at Generally speaking, military personnel or veterans who have honorably served in the United States Armed Forces during war or peacetime have earned the right to a VA loan. Those serving during wartime for at least 90 consecutive days or have at least 181 consecutive days during peacetime are eligible for the VA home loan program. Service members who have or are currently serving in the Reserves or National Guard can also have entitlement. Spouses of deceased veterans who have died as a result of active service or service related injuries and have not remarried, may also be entitled to a VA home loan benefits. What is a Certificate of Eligibility or COE? The first step military personnel and veterans should take before getting approved for a VA loan is to get a copy of their certificate of eligibility or COE. In order to receive the certificate from the Department of Veterans Affairs, military personnel and veterans need to either complete and submit the VA form , or have an approved VA lender order an online version directly from the VA. Even though your form DD-214 is not required for VA loan, the information on this form will help you when completing your request for certificate of eligibility. Here is a list of some of the information you will be asked for when trying to obtain your COE: Name & Address Phone & Social Security Number Branch of service Service numbers, Separation of Service, or Statement or Service (if applicable) Previous VA Loans Remember that the Department of Veterans Affairs does not lend money or process VA home loans. It s in your best interest to have your approved VA loan officer or VA lender help you in obtaining your certificate of eligibility or COE. 4
6 Occupancy Requirements A major difference between conventional and VA mortgages is the occupancy requirement. As with all mortgage guidelines, there are typically exceptions or provisions to every rule. VA loans generally require the veteran homeowner to occupy the property as the primary residence. The Department of Veterans Affairs and its approved VA lenders verify that the home will be occupied within a reasonable amount of time. A reasonable amount of time has been defined as 60 days. There are occasions when it may be determined the home will be occupied outside of 60 days and still possibly be approved for the loan. In most cases, VA loans cannot be used to purchase rental properties or vacation homes. If you are active duty and married it is possible for your spouse to satisfy the occupancy requirement by moving into the home during military deployments or when the veteran out of the area. In situations where variables need to be looked at, it s always good to contact LowVARates.com to help you reach an approved and responsible VA lender. Credit/Income Requirements Another benefit of using a VA home loan to purchase or refinance property is the credit score requirements. For VA loans, credit scores are not nearly as strict as conventional loans. Your VA loan approval is based on a number of factors including: income, employment history, job stability and other requirements. Less than perfect credit will not keep an eligible veteran or active duty military from getting a VA loan. Declaring Bankruptcy A conventional loan may require you to wait up to four years from the time you declare bankruptcy before you could get a new loan. VA loans require you wait only 1 to 2 years, depending on the type of bankruptcy filed. The Department of Veterans Affairs has not issued any guidelines on maximum debt-to-income ratios for VA loans. Some banks may decide to require a certain debt-to-income ratio in order to approve you for a loan. LowVARates has aligned itself with approved VA lender's that don t put a maximum debt ratio on VA loans. Residual Income Debt Ratio is more important than your residual income. Residual income is easily defined as: the amount of money left over every month after paying all of your bills. To get approved for a VA loan, the VA lender will want to make sure the homeowner makes enough money for the home they are buying. It s also important to consider the cost of living in the state you live in and that you can afford all the other costs associated with owning your home. 5
7 VA Funding Fee As mentioned earlier, the Department of Veterans Affairs does not issue loans or lend money. However, the VA does guarantee a portion of the loan amount that the bank makes to the eligible veteran. In an attempt to defray the costs of administering the VA home loan program, almost every borrower taking out a VA loan will be charged a one-time VA funding fee. The VA funding fee is normally financed or rolled into the new VA loan. Funding fees charged can range from 0.5% to 3.3% of the borrowed loan amount. There are a few variables which determine what percent will be charged for the funding fee. If military homeowners are buying a home for the first time and are regular military with zero down payments, a VA funding fee of 2.15% will be charged. For a $100,000 loan the amount would come out to be $2,150. There are some situations where VA funding fees may be completely waived. If the borrower is receiving VA compensation for service connected disability, there will be no VA funding fee charged. In instances where the borrower will be receiving VA compensation, if it s not for their retirement pay, then the VA funding fee is also waived. Finally, the fee is also waived for the surviving spouse of the veteran leader died in service or from a service connected injury. For refinance transactions or for home purchases with a down payment, the amount of VA funding fees will vary. For more information please contact LowVARates. Funding Fee Table First time use, purchase of an eligible property Down Payment Active Duty Reserves/NG 0% to 4.99% 2.2% 2.4% 5% to 9.99% 1.50% 1.75% 10%+ 1.25% 1.5% Second time use, purchase of an eligible property Down Payment Active Duty Reserves/NG 0% to 4.99% 3.3% 3.3% 5% to 9.99% 1.50% 1.75% 10%+ 1.25% 1.5% 6
8 Other Loan Types: Manufactured Home Loans: 1.00% Loan Assumptions:.50% Cash Out 3.3% Funding Fee Streamline Refinance (IRRRL):.50% Funding Fee Closing Costs We have discussed numerous reasons why military homeowners should use a VA loan for purchasing and refinancing a home. Along with the fact that there are no down payments required, VA loans also have regulations in place which require VA lenders to keep closing costs as low as possible. For example, a veteran or active duty military is not allowed to pay for: Non-Allowable Costs Underwriting Fees ($500-$1000) Processing Fees ($250-$750) Doc Preparation Fees ($50-$150) Attorney Fees ($500-$1000) Escrow Fees ($500-$750) As the numbers show from the list above, using a VA home loan can literally save you thousands of dollars in closing costs. 7
9 Pre-Approval If military personnel and veterans are considering purchasing a home and using a VA mortgage it s important to start getting preapproved. The preapproval process is the first step taken by those wanting to buy a home. In years past, almost any lender could take offers from potential homeowners on their home without a preapproval letter. In the aftermath of the housing crisis, sellers will not consider an offer to buy a home if potential homeowners cannot show a valid preapproval letter. A preapproval letter is evidence to the seller and real estate agent that the potential homeowner has provided evidence of employment, income and ability to afford the home. Getting a preapproval letter can be an easy process. Buyers should provide an approved VA lender with the following documentation: 1. Last two years of W2 forms for all applicable borrowers (if self employed two years of tax returns) 2. The most recent month's paystubs for ALL applicable borrowers 3. Request for COE or form or DD214 Once the buyer has provided the required information to a VA lender, they will process the preapproval. The preapproval indicates the maximum loan amount the buyer has been preapproved for at the time the potential homeowner begins searching and looking for a home. 8
10 Refinancing Options There are essentially two types of VA home loan refinancing programs for veterans and military homeowners. VA Streamline The VA streamline refinance or IRRRL (Interest Rate Reduction Refinancing Loan) is only available to those who currently have a VA mortgage on their property. If you currently have a VA loan on your home at an interest rate that is higher than the going VA interest rates today, then you can take advantage of the VA streamline and get yourself a lower interest rate with little or no effort. The VA streamline loan was created to allow military homeowners to take advantage of falling interest rates quickly and easily. Some of the benefits of the VA streamline include: REDUCED FEE No out of pocket costs No monthly mortgage insurance No appraisal required FICO score not needed No verification on employment or income Reduced VA funding fee Cash out Refinance The cash out refinance is available for homeowners who have a VA loan on their property and want to take out cash or do debt consolidation. It s also available for homeowners who currently have a conventional loan, but are seeking to refinance to a VA home loan. There are many eligible military homeowners who for one reason or another do not use a VA loan when buying their home, but would now like to take advantage of the benefits of a VA loan. Also, homeowners may already have a VA loan, but are interested in more than lowering their interest rate with a streamline. For those looking to consolidate debt, pay off bills and make home improvements, the VA cash out loan can help homeowners accomplish these goals. 9
11 The First Step Now that military and veteran homeowners have finished reading the VA home loan guide, you may be wondering what to do next? We invite you to contact LowVARates.com so we can connect your family with an approved VA mortgage company. There are three easy ways to get in touch with LowVARates: Call us toll-free at 866-LOWVARATES ( ) Apply online at LowVARates.com Chat Live on the Web site. Please visit to contact us. We look forward to assisting you! 10
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Location: Sustainable Biofuels and Co-products Research2010 Annual Report
1a. Objectives (from AD-416)
Develop pretreatment and fermentation processes to convert lignocellulosic materials such as barley straw, barley hulls, DDGS, and other crop biomass into fuel ethanol and value-added coproducts. This work complements present ARS work to develop advanced bioconversion process for production of cellulosic ethanol and value-added co-products that can be integrated into an existing fuel ethanol plant. The first step in a lignocellulosic biomass bioconversion process normally is pretreatment to open up the structure and subsequently allow increased enzymatic hydrolysis. Soaking in aqueous ammonia (SAA) has been proven to be effective as a pretreatment method of agricultural residues, such as corn stover, corn fiber, barley hull, switchgrass, etc. In this study, SAA will be employed for the pretreatment step and subsequent conversion of SAA pretreated biomass will be investigated.
1b. Approach (from AD-416)
The composition of specific types of biomass studied in this project will be determined using standard procedures for biomass analysis. Then, pre-treatment processes based upon Soaking in Aqueous Ammonia (SAA) technology will be developed and optimized for each biomass source. SAA will open up the structure of the biomass and subsequently allow increased enzymatic hydrolysis. This pretreated biomass will be subject to saccharification using commercial cellulases with xylanase supplements. The conversion of biomass to free sugars will be monitored by HPLC and standard methods of analysis. Once saccharified, the sugars will be fermented by traditional brewers yeast. In other studies, pre-treated biomass will be simultaneously saccharified and fermented to directly produce ethanol from the pretreated biomass in one step.
3. Progress Report
In this specific cooperative agreement, engineers at ISU with experience in cellulosic ethanol pretreatment, saccharification, and fermentation are collaborating with us to migrate cellulosic ethanol technology into barley (starch) ethanol plants. Biomass feedstocks including corn stover and barley hull were treated with the Iowa State SAA cellulosic ethanol pretreatment technology. The treated materials were first hydrolyzed with Multifect Xylanase to generate a xylose-rich stream. The residual sold is then hydrolyzed with Accellerase cellulase to generate a glucose-rich stream. Thus the two main carbohydrate fractions of the biomass were fractionated into two separate fermentable sugar solutions, which could be used with suitable microorganisms for production of value-added co-products and ethanol. We also developed a Two-phase Simultaneous Saccharification and Fermentation (TPSSF) process for production of ethanol from corn stover. Ethanol yield of 84% of theoretical value was achieved with E coli KO11 (a xylose-fermenting bacterium) and subsequently with S cerevisiae D5A (a glucose-fermenting yeast). A journal article was published on this work and is included in the parent list of publications. Communication with collaborators was through emails and conference calls.
4. Accomplishments


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by Flashingblinkylights
Order now to get it by: Wednesday August 16 - Saturday August 19
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The Deluxe Ninja LED Sword with Motion Activated Clanging Sounds is the perfect sword for a modern Ninja Samurai
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Betty Ford Center Celebrities
December 31, 2011 by staff
Betty Ford Center Celebrities, With the passing of former First Lady Betty Ford, we can't help but think of one of her most lasting accomplishments: destigmitizing drug and alcohol addiction with the Betty Ford Center.
Founded in 1982, after her own public battle with alcohol and painkillers, the Rancho Mirage, CA, facility has become one of the most prominent names in rehabilitation. And because of it's repute, it's drawn a very famous clientele over the years.
Robert Downey Jr., Drew Barrymore and Lindsay Lohan have all checked in to in-patient programs at Betty Ford. And iconic actors and actress, such as Elizabeth Taylor, Tony Curtis and Robert Mitchum, all spent time at the clinic during its early years in the '80s.
Not all alums of Betty Ford have been fared well — Anna Nicole Smith, who died of combined drug intoxication in 2007, first checked in a decade earlier — but success stories have far outnumbered the failures.
Please feel free to send if you have any questions regarding this post , you can contact on
Disclaimer: The views expressed on this site are that of the authors and not necessarily that of U.S.S.POST.


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Hima-Sella has been awarded a contract to develop an Emergency Shutdown (ESD) system for a North Sea oil platform; in relation to modifications being made in order for the platform to receive and process product from two subsea wells.
The platform's new ESD will be implemented using a HIMA HIMax, a Programmable Electronic System (PES) designed for use in production processes that can ill afford downtime. HIMax is extremely scalable as it has virtually unlimited expansion potential; and for this particular project the PES will initially have more than 300 I/O channels, which will interface with sensors and actuators.
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Do you want to make Ohio.com your homepage?
Associated Press
This undated photo provided by Starbucks Corp., shows a reusable cup. Starbucks Corp. is rolling out a $1 reusable plastic cup at its cafes starting Thursday, Jan. 3, 2013. The Seattle-based coffee chain already gives customers a dime discount each time they bring in reusable cups for refills. Now it's hoping the new cups which bear its logo and resemble its white paper cups will increase the habit. (AP Photo/Starbucks Corp.)
Click here to read or leave a comment(s) on this story.
CHICAGO: Sears is calling on Amazon to help it sell more Kenmore appliances.


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Home > About Us > Newsroom > Healthier Living Workshop: Castleton Community Center
Published on January 26, 2015
Managing a chronic condition can be full of challenges. Rutland Regional Medical Center's Healthier Living Workshops have helped many with Diabetes, Asthma, Heart Disease, Obesity, chronic pain and other issues overcome the challenges of chronic illness.
Healthier Living Workshops are free six-week sessions starting March 5 at the Castleton Community Center on Main Street in Castleton that provide practical ways to handle chronic conditions. Additional classes will be held on March 12, 19 and 26 and April 2 and 9. Classes are held 9 to 11:30 am and pre-registration is required. Register online for this program or call 802.773.9888 ext. 22.
The six-week sessions help participants learn to set goals and break goals into small steps, week by week. All workshops cover nutrition, exercise, stress management, managing medicines, setting realistic goals, and planning for the future. After completing the workshops participants report having more energy, fewer symptoms, less disability, and improved communication with their family and health care providers. While the workshop does not take the place of existing programs or treatment plans, it is helpful in giving participants the skills needed to coordinate and manage their health.
Healthier Living Workshops are an initiative of the Community Health Team at Rutland Regional Medical Center. Rutland Regional provides free services and educational programming as a key support for the continuing health of our community.
Established in 1896, Rutland Regional is the second largest hospital in Vermont and is a not-for-profit organization dedicated to improving the health of families and individuals.
At Rutland Regional, our commitment to quality patient care has been recognized locally and nationally by becoming the first hospital in Vermont to receive both the Governor's Award for Performance Excellence and Magnet Recognition® for quality patient care, nursing excellence and innovation. Rutland Regional has also been recognized by the Joint Commission as a Top Performer on Key Quality Measures and was honored with an "A" grade by The Leapfrog Group an independent industry watchdog, in the Fall 2014 Hospital Safety Score, which rates how well hospitals protect patients from errors, injuries and infections.
RUTLAND REGIONAL MEDICAL CENTER160 Allen Street, Rutland, VT 05701802.775.7111


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Here's Prince Charming's ring. The photo doesn't do it justice, it was just snapped with a phone so we could email the photo to my mom so she could see. (Yes it is on my fingers in this photo)
I finally got my ring sized down and back on my fingers. I absolutely love it! This was also snapped with my phone. I was trying to capture the beautiful sunlight shinning off of it, but it didn't do so hot. (btw, yes I have a 4th finger, I wasn't worried about getting it in the shot!!)


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This American style IPA is medium bodied and definitely has that citrus flavor and aroma we?ve all come to love. Coming in at 6.2% ABV we hope this IPA sets the tone for our brewery in the Atlanta market. Slightly sweet, hopped with Williamette, Chinook, Cascade and Falconers Flight hops, this golden brew is crisp but unfiltered and we know it will leave people thirsty for more.
Gangway IPA took the Bronze Medal in the People's Choice Vote at the 2011 Grayson Blues and Brews Festival.


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There are multiple reports that Brentford midfielder Alan Judge is on his way to Newcastle to take a medical today and sign on for Newcastle, and one of the sources is the Chronicle.
Alan is 27 years old but suffered a double leg fracture in April playing against Ipswich Town and he is not expected to be fit to play until November, so it seems like an odd signing – at least in that way.
Alan Judge – 27 year-old Brentford midfielder
The once capped Irish International is in the last year of contract at Brentford and it looks like Newcastle will get a very good deal on him.
Alan had a great season last term with 14 goals and 12 assists in 38 total appearances for Brentford – and he was also named in the PFA Championship Team of the Year in April.
So there's a decent reason to sign him – and the Brentford fans are saying he's a very creative player, which is what we need.
So he will be a good buy for us financially and has lots of experience in the Championship and Rafa must think he cans take the step up to the Premier League – should we be promoted next May.
He joined Brentford on loan from Blackburn Rovers in January, 2014 and finally signed for them full time that summer.
He started his career at Blackburn and then left for a couple of years to Notts County before returning to the Lancashire club in 2013, where he only stayed for six months before joining Brentford on loan.
Alan stands just short of 5ft 7ins and in his two and a half years at the Bees he's played 102 games with 24 goals and 31 assists.
While he was at Notts County for two years and got used to playing in black and white stripes, he played 111 games with 17 goals and 27 assists.
So Alan seems to be a productive player.
Judge was born in Dublin and played for all the Ireland Youth sides, but has been capped only once at the full International level.
Judge made his full International debut with a start in a friendly against Switzerland in March of this year and played the full 90 minutes in the 1–0 win.
He was almost a certainty to make the full Ireland squad for the Euro 2106 tournament, before he suffered his terrible double fracture of his right leg at Portman Road.
I was taking my dog Milo for his (very important) early morning hour walk, when my son Neil texted me that we were signing Alan Judge and my first question was – who is he?
Now I know it looks like Alan could turn out to be another good signing for us, but it's just a pity he's not available to play until November – and even more reason to keep Yoan Gouffran at the club.
Here's a tweet he sent out last Tuesday after another operation on that right leg.
Op went well feet up for a day or 2 then back to the gym to get ready to go outside pic.twitter.com/vH4PS0Ed4B
— alan judge (@10judgey) August 16, 2016
Here's Judge's goals for Brentford.
What do you think?
Comments welcome.


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Olly Murs
21/07/17 - 12/08/17
Olly Murs is back!
Sign up now for a TicketAlarm and we'll let you know as soon as tickets go on sale for this artist and artists we think you'll like. You'll also get exclusive access to presale tickets, special offers and our TicketAlarm newsletter with much more.
Timothy McKenzie, better known by his stage name Labrinth, is an English singer-songwriter and record producer.McKenzie attended Stoke Newington School and became interested in a musical career during his school years. He comes from a music family consisting of nine siblings. His brother, Mac.1, is a producer, and he introduced McKenzie to the art ...
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How to Use a Song Thaew
The most common type of public transportation has to be the "song thaew". Named for the two benches found in the rear passenger area, the song thaew is a pickup truck converted for carrying passengers and some cargo.
During peak hours, passengers will often stand on the rear platform and hold on for dear life, but this is a 'sport' for the young and strong.
For locals, a song thaew is used by hailing the next one to pass, stating your destination, and boarding the vehicle at the rear when the driver accepts your destination. If the driver rejects your destination, you simply wait for the next song thaew and then start again.
When you reach your destination, push the alert button to tell the driver you want off. After he has stopped, you exit the vehicle and go to the front to pay the driver.
The Color is the Route
The color of the paint on a song thaew indicates the general route or usage of a song thaew. For instance, in Chiang Mai area of Warorot market (by the Ping river) is the most common terminus for song thaews that will travel along a fixed route. From Warorot market white song thaews travel to the eastern suburban city of Sankampaeng, yellow song thaews travel to Mae Rim in the north, blue song thaews travel to Sarapee and Lamphun in the south, and green song thaews travel to Mae Jo in the northeast. The flat rate cost along these fixed routes is 10 baht.
There is one other departure point, which is the Pratoo Chiangmai market, and song thaews travel from here to Hang Dong and San Patong to the southwest of Chiangmai. The flat rate cost to Hang Dong is 10 baht, while San Patong costs more.
You may see song thaews out on the highways in the countryside, travelling to and from small towns and villages. It is probably not proper for them to do this (as such travel is supposed to be done by bus companies), but in Thailand people will find a way to make some extra money.
The Free Spirits: Red Song Thaews
Red song thaews roam inside the Chiangmai city limits and are free to travel anywhere. They can be found on most large streets, but many red song thaews congregate along Wararot Road, perhaps to pick up passengers who are getting off of a fixed route song thaew. The rate structure for red song thaews is variable; for simple destinations shared by several passengers, 10 baht is the normal fare; while less common destinations or longer travel might rate a 20 baht fare.
However, if you 'charter' an empty song thaew, the trip can cost 100-200 baht, especially if you are a farang. The prices to a particular destination can vary widely from driver to driver, so some gentle bargaining can be worthwhile. Red song thaews that wait for fares at the bus station or train station are an opportunistic lot who are quite adept at bargaining for the highest fare possible. Tourists may find it difficult to obtain the flat fares enjoyed by locals, since the song thaew drivers will often treat all tourists as 'chartering' their vehicle, even if other passengers are aboard.
The best way to avoid this 'charter' situation is to discuss your destination and not the price; asking for a price is interpreted as asking for a charter. Then, when you dismount and go to pay, hand the driver the correct change. If the driver demands more, then it is up to you to work out a fair payment, but armed with the information in this article, you should have a reasonable idea of the proper fare, and that will aid you in your bargaining.
You may see song thaews at the airport, but they are not allowed to cruise there for fares, as the airport concession is held by the airport taxi operators. So, a song thaew at the airport likely just dropped someone off. You can hail them and bargain for a fare into town, and the driver will be delighted to take you.
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How to Play the LocoRoco theme on the ukulele
The videos in this two-part video ukulele tutorial series demonstrate how to play the LocoRoco theme song on the ukulele with a clawhammer picking style! If you are already familiar with the clawhammer style, then skip to part 2 to get straight to the song. For more information, and to get started playing the LocoRoco theme song on your own ukulele, press play!


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Tailback LeShun Daniels rushed for 227-yards last Friday, in helping Warren Harding defeat Cleveland Heights 34-28 on one of the the state's top matchups.
"This was a huge win for us, and we showed a lot of heart in fighting back to win," Daniels stated. "I give all the credit to my offensive line, because when they play great, I play great."
"I ran the ball hard tonight, and tried to not let one player tackle me," he added. "I tried to finish runs off the right way, and I tried to punish tacklers. I'm trying to run behind my pads more, and run upright, and tonight that really paid off."
Daniels, 6-foot, 215-pounds, is one of the top power runners in Ohio for the class of 2013. He is committed to Boston College.
"I loved the school and it's a great area of the country," he explained. "Their academic reputation is excellent, and my family loved that. It just felt like the right place for me when I visited there. I took my official visit for the Clemson game, and it was a great atmosphere. I'm going there intending to play next season, and that's my goal."
EVALUATION: Daniels is a prototypical power-running tailback, and a player that gets stronger as the game wears on. He needs to work on getting faster and shiftier, but there is no doubting his ability to play physical football.


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It might sound strange, but I find The Shining to be an incredibly comforting movie. Maybe I just want to land such a cooshy gig as being the caretaker of a swank hotel in the mountains during off-season. I only know that when I feel wound up, it helps to crawl under a blanket and watch The Shining.
A couple years ago I knitted up a hat series based on this film. In retrospect, I could have made a few dozen hats inspired by the visuals in the Overlook Hotel. Since I tend to enjoy embroidery over knitting these days, I jumped back into it with my needle and an old doily. While many would argue that Jack Nicholson sneering "Here's Johnny…" through the chopped up door is the most iconic image, I find Shelley Duvall to be much more interesting. In fact, I love this movie in spite of Jack rather than because of him.
I predict I'll be stitching more scenes from The Shining, even if they don't prove to be lucrative. A girl's gotta get her laughs wherever she can, after all. I will try to include characters other than Wendy, although I can't make any promises.


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I have attempted to use a linksys wrt110 router as a repeater to strengthen a signal about 100 ft into an outbuilding. I wasnt sure if this router was even capable of wds. I did some research, and even called linksys to see if this was capable of perfoming the function I was trying to make it do. Im getting mixed answers everywhere I look and was wondering if anyone knew for sure or even ran into a similar problem with this particular router. Im getting out to the internet from a cisco gateway provided by ISP....I am just tring to re-brodcast the signal at a different part of the house to reach the outbuilding. I have disabled DHCP on the LAN side of the wrt110 because the gateway (base station) will handle that. I have attempted putting the wrt110 on the same subnet as the gateway i.e. Gateway- 192.168.0.1--------WRT110----192.168.0.19. (linksys is on the .1 subnet by default, I changed it to .0) any help would be appreciated...maybe Ive just spent too much time on it and there is a dum error right in front of my face that Im not seeing.
This topic was created during version 4.7.
The latest version is 7.5.00101.
6 Replies
Jul 1, 2010 at 9:27 UTC
This may be entirely unrelated, but have you excluded or reserved the IP address of the Linksys in the DHCP scope of the Cisco?
Jul 1, 2010 at 9:36 UTC
The cisco is set at 192.168.0.1, which is my default gateway..........I have set the Linksys to 192.168.0.19 to try to avoid any conflicts. I dont have 19 devices connected to the network, So I figured 19 was a safe number for the linksys. Would it still cause collision or conflict if I dont do a reservation for the linksys.....i.e. my linksys would have a .19 address and the cisco could be trying to give something else a .19 address?
Jul 1, 2010 at 9:43 UTC
I have seen linksys/cisco devices give out IP's on DHCP in seemingly random ways, so it may not be a sequential numbering. That being said, you're likely to be ok, but it is one of those things that is fairly simple to do and can save you headaches later on if not sooner.
Jul 1, 2010 at 9:45 UTC
Unfortunately OpenWRT and dd-wrt don't work on the WRT-110, otherwise that would be your best option for turning an old linksys into a repeater.
Jul 1, 2010 at 10:01 UTC
When I said it might be a dumb error that Im just not seeing....this might be it. Correct me if Im wrong, but when I set up the linksys as 192.168,0,19....im pretty sure this falls in the DHCP range of my gateway......wouldnt this cause an IP conflict just for the simple fact that my linksys it taking an IP that is in the range of the base satation's DHCP? I believe the DHCP range of my cisco gateway is 192.168.0.1-249 or maybe 192.168.0.10-249 somewhere in that ballpark, but either way, my linksys IP falls under this.
Jul 1, 2010 at 10:07 UTC
It "shouldn't" be an issue until another machine is assigned the address, but it is possible depending on the device. Like I said, it is just something to do just to be on the safe side.
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Its primary purpose, according to Environmental Commission Chairman Malcom MacDonald, would be to locate and protect any trees rooted in history. But it would have the additional effect of forcing developers to pay a fee to cut any down. The ordinance has yet to be introduced. Members of the Environmental Commission and the Township Council are expected to sit down together in the next month to hammer out the details of the new law.
MacDonald noted that he himself has a large locust tree in his yard and local legend has it that the paymaster for George Washington buried gold at the foot of the tree during the Revolutionary War.
MacDonald said he wants to find out if there are other trees in the township that residents think are connected with historic events or are simply beautiful and deserving of protection.
The Environmental Commission is also seeking a $2,000 state grant to fund a survey of residents asking them to identify historic trees. Once located, the trees would have plaques or markers designating them as special.
In addition, the commission is seeking to raise public awareness about the values of trees and encourage developers to preserve as many as possible.
"It is important to remember that nature has its place, something that seems to have been forgotten in East Hanover," MacDonald said.
According to MacDonald, the township, which covers eight square miles and has a population of 11,390, still has 1,100 acres of undeveloped land. In addition, MacDonald argued, trees in existing neighborhoods ought to be protected as well. He noted several other communities have adopted tree ordinances recently including neighboring Hanover Township, Essex Fells and Mountain Lakes. He noted Harding Township is also considering a tree ordinance.
"We thought it would be a good idea to stimulate interest in the trees we have here in East Hanover," MacDonald said.
MacDonald noted the township is bounded by the Whippany and Passaic rivers yet traversed by major highways such as interstate routes 80, 287 and 280 and routes 10 and 46 which means flooding and pollution are important concerns.
Included in the ordinance are fees to developers to cut down trees, a plan that worries Council President Joseph Pannullo who said developers should be given a chance to find out what trees could be saved rather than charge them a fee for cutting them down.
Mayor Lawrence Colasurdo had similar concerns for homeowners, noting the township does not want to infringe on homeowners' rights. "It's difficult to legislate what people can do at their own homes," he said. "But we all agree we should have some type of ordinance in place to protect trees."


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SAP Business One Improvement Requests: Provide More System Reporting for Frequently Requested SQL Customization
This is a discussion on the "Provide More System Reporting for Frequently Requested SQL Customization" entry in the SAP Business One Improvement Requests SpiceList
1 Reply
Jan 6, 2011 at 5:08 UTC
This is a great suggestion: SAP B1 provides some very basic SQL reporting under the Query Manager. However, there are constant requests on the SAP B1 forum for the same SQL over and over again (mainly dealing with the Sales Analysis function in SAP B1). The problem is that there is a lot of time wasted with users and SAP personnel looking for, asking for, and providing solutiions to the SQL requests. SAP should be able to see how many times a specific SQL is requested in the forums and include that frequently requested SQL with their basic SQL reports in Query Manager. I have a whole list of them and it would be a great plus in customer service and usage of SAP B1...
Definitely a "plus"for SAP's point of view - this would be another great marketing bullet point - who would not see this as a positive? If they did it correctly, it would put SAP on very good solid ground for the "info" part over competitors...
Thanks - Zal
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You may get a better answer to your question by starting a new discussion.


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I used the procedure to rename my domain for server 2008r2 and now it seems it renamed it but nothing seems to be working when I do a ns lookup it tells me.
server unknown
Unknown cant find xxxxxxxxx
none existent domain
13 Replies
Jun 8, 2012 at 10:25 UTC
Check your DNS server and update the records to reflect the new name.
Jun 8, 2012 at 10:44 UTC
when you rename a domain does it haft to have a entry like
Business1 or does it haft to be somthing like Business1.com or Business1.local
Jun 8, 2012 at 10:46 UTC
when you say update DNS records do you mean like the foward lookup zone and reverse lookup zone records?
Jun 8, 2012 at 10:50 UTC
when you rename a domain does it haft to have a entry like
Business1 or does it haft to be somthing like Business1.com or Business1.local
Well that depends on what your domain currently is.
when you say update DNS records do you mean like the foward lookup zone and reverse lookup zone records?
No I meant for the server itself that you changed names on. Your machine is still looking for the old server name if this is where you are performing the nslookup so you either need to reboot to update your DNS cache or open a command prompt and do the following command,
ipconfig /flushdns
If all you did was rename the domain controller then start with the flushing of DNS and test your nslookup again to see if it resolves before moving onto more drastic measures.
Jun 8, 2012 at 11:25 UTC
I have done a dns flush allready on the server but I see that the lookup zones are still named the old servers name what do I need to do to change them I went into the properties of the lookup zones and changed the info there to the new name but it still has no effect should I just demote the dns role and start from there and do a DCPromo and just start over?
Jun 8, 2012 at 11:29 UTC
The subject says "renamed domain controller 2008r2", but your post says "rename my domain for server 2008r2".
Did you rename the Domain, or a Domain Controller?
Jun 8, 2012 at 12:28 UTC
Just the domain
Jun 8, 2012 at 12:34 UTC
You renamed the domain? As well I thought from the title you just renamed the server name, not the entire domain. Renaming the domain would be no different than taking your machine to another company and plugging it in and asking why it doesn't work. Not sure what guide you followed but we're missing some major details here of what you all did in this process. I suspect more than just nslookup is not functioning properly as well as I suspect this is a lab environment because if it was live you would be having serious issues and phone calls from end users.
Jun 8, 2012 at 12:41 UTC
I recommend reading through "How Domain Rename Works"
Jun 8, 2012 at 12:42 UTC
this is what I have done
1. Run "rendom /list" to generate a state file named Domainlist.xml. This file contains the current forest configuration.
2. Edit the state file, changing the <DNSname> and <NetBiosName> fields to the desired values for the new domain name.
3. Run "rendom /showforest" to show the potential changes; this step does not actually make any changes.
4. Run "rendom /upload" to upload the rename instructions to the configuration directory partition on the domain controller holding the domain naming operations master role. The instructions are then replicated to all other DC's in the forest. Once replicated to all DC's, the rename instructions are ready to be carried out. You can force replication by running the "repadmin /syncall" command.
5. Run "rendom /prepare" to verify the readiness of each domain controller in the forest to carry out the rename instructions. This should contact all DC's successfully and return no errors before proceeding.
6. Run "rendom /execute", this verifies readiness of all DC's, then preforms the rename action on each one. There will be a service interruption during this period. Upon completion domain controllers will be rebooted. If an error occurs on a DC during this phase, the entire transaction is rolled back. Any DC's that don't complete successfully after this phase must be demoted and removed from service.
7. Run "gpfixup" to refresh all intradomain references and links to group policy objects.
8. Reboot client computers and member servers twice to obtain new domain name. Because the GUID's of the domain remain the same during the rename process, domain membership is not affected. The DNS suffix of the client machines will also be updated assuming the default option of "Change primary DNS suffix when domain membership changes" is enabled.
9. Run "rendom /clean" to remove references of the old domain name from Active Directory.
10. Run "rendom /end" to unfreeze the forest configuration and allow further changes. This was frozen during the rendom /upload step.
Should you have any problems with clients recognizing the new domain name, you can remove them by running "netdom remove <machine-name> /Domain:<old-domain> /Force", rebooting, then rejoining the new domain. Once the rename is complete, there is one final change required on domain controllers. The DNS suffix of a DC is not changed as part of this process. This must be changed manually or the DC's will have a DNS suffix that differs from the AD domain name.
Jun 8, 2012 at 1:52 UTC
so i guess I might be to the point of just demoting my DC and just rebuilding it do can any of you think of any other options before I do the demoting of my DC
Jun 8, 2012 at 5:32 UTC
How many computers/users do you have in the domain? Do you use Microsoft Exchange internally? How good are your backups?
EDIT: I *strongly* recommend (re)reading the Microsoft Windows Server TechNet Library article posted by bkoehler. There's a lot of information there, and it may cover something you missed. To quote:
- "Each member computer that is joined to a renamed domain must be rebooted twice after all domain controllers are updated. Computers running Windows NT 4.0 must be unjoined and then rejoined to the renamed domain instead of being rebooted."
- "If you want DNS host names of domain controllers to match a new domain name, you must perform domain controller rename procedures after the domain rename operation is complete. The DNS host names of domain controllers are not changed automatically by the domain rename operation to reflect the new domain name. In other words, the primary DNS suffix of a domain controller will not match the new domain DNS name after the domain has been renamed. Having the host name of a domain controller decoupled from its domain name has no impact on forest service. However, domain controller rename requires a separate, multistep procedure after the domain rename operation is complete."
- "The DNS suffix of host names for member computers in a domain that is being renamed might not match the new DNS name of the domain for a period of time. By default, the DNS suffix portion of member computer names is updated automatically when the domain to which the computers are joined changes (as happens when you rename a domain). In general, the period of time during which the DNS name of the domain does not match the DNS suffix of member computer names is proportional to the number of computers in the domain. In some cases, you might want to configure the computers to keep the computer names from being updated automatically."
The gist is that this sort of operation is not for the faint of heart and requires taking all of the recommended steps *very carefully* in the order prescribed by Microsoft. Given the risk versus reward possibilities, I've known a couple admins who chose to rebuild a domain from scratch rather than even attempt to rename a domain (or a domain controller).
Oct 26, 2014 at 10:42 UTC
I just (like an idiot) did this on a 2012 R2 DC I just moved ALL the FSMO roles to. I was trying to move an old Enterprise CA (2003 DC I just decommissioned) by renaming the 2012 server to its old name. Really should have re-thought this.
Ended up have to fix all the SRV records but couldn't name the DC back to its original name so thought I was stuck. Then I found this script which forced the rename - hope this helps someone else (thanks to this guy: http://stackoverflow.com/questions/54989/change-windows-hostname-from-command-line )
sNewName = "put new name here"
Set oShell = CreateObject ("WSCript.shell" )
sCCS = "HKLM\SYSTEM\CurrentControlSet\"
sTcpipParamsRegPath = sCCS & "Services\Tcpip\Parameters\"
sCompNameRegPath = sCCS & "Control\ComputerName\"
With oShell
.RegDelete sTcpipParamsRegPath & "Hostname"
.RegDelete sTcpipParamsRegPath & "NV Hostname"
.RegWrite sCompNameRegPath & "ComputerName\ComputerName", sNewName
.RegWrite sCompNameRegPath & "ActiveComputerName\ComputerName", sNewName
.RegWrite sTcpipParamsRegPath & "Hostname", sNewName
.RegWrite sTcpipParamsRegPath & "NV Hostname", sNewName
End With ' oShell
MsgBox "Computer name changed, please reboot your computer"
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