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HomeFinder HAMPTON ROADS
A Real Estate Supplement to the Daily Press • January 13, 2017
Expand your search at dailypress.com/realestate
In this issue 3 reasons why winter is a smart time to buy a home Make the year ahead clutter-free
At King's Pointe, First-Time Homeowners Don't Have To Choose
January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 2
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To Advertise Your Apartment Community
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Enjoy less competition and lower prices. Fewer properties are typically available during the winter,
as sellers and buyers aim to complete transactions before the school year begins. You can turn that to your advantage. "In winter, there are fewer properties, but it's less competitive, with fewer buyers per property," says Greg Jaeger, president of USAA Residential Real Estate Services Inc., and former real estate agent. The more favorable supplydemand balance can lower prices. In the winter, "negotiations are slower-paced and there is more negotiating room," Jaeger says. Also, winter sellers may be more motivated, especially if they're forced to sell by divorce or by corporate or military transfers. In January and February, homes cost 8.45 percent less on average than in June through August, according to NerdWallet research conducted using Realtor.com data from 2014 and 2015. That's in line
with what Jaeger sees, particularly in competitive real estate markets where supply is limited.
Lower prices help at closing — and over the life of your mortgage. A lower price eases your home purchase in many ways, Jaeger says. It lowers your down payment, any closing costs that are calculated as a percentage of the home's sale price and your mortgage payments. There's also less of a seller's agent commission bundled into the sales price. These savings help when you buy, and they add up over the life of your mortgage.
The right agent can help. When supply is limited, the right agent can help you get a jump on other buyers. Agents who are well
connected learn about properties before they are listed. The right agent understands the market where you are buying. That includes doing competitive market analysis so you understand what the house is worth. Look for an agent who suits your style. For example, if you're a statistics geek, you need an agent who'll provide them. "Just having access to statistics doesn't mean they have analytical skills and will use them," Jaeger says. He recommends USAA's Real Estate Rewards Network as a source for seasoned agents who deliver great service to USAA members. Many resources are available to help consumers find the right agent, including USAA Real Estate Rewards Network, a free program that gives members access to USAA's network of real estate agents and rewards when they buy or sell.
3 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
Don't give up on buying a home as winter nears. In fact, December through February may be better for buyers than the busy season in spring and summer.
January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 4
a more comfortable, welcoming environment.
■ Switch to e-statements for bank documents and utility bills. Paper is a big contributor to household clutter. That's still the case even though many adults now pay the majority of their bills online. When given the chance to choose between paper or e-statements, opt for the latter so bills and bank statements don't pile up on your desk or throughout your home office. If you still want to keep important bills and bank statements, download them to your computer and keep them in a designated folder on your desktop.
Make the
year ahead clutter-free Opting for e-statements instead of paper statements can help men and women reduce clutter around the house. Many people feel the dawn of a new year provides an opportunity to clean the slate and begin anew. That notion can be
applied in various ways, including around the house. Cleaning the slate at home may involve reducing clutter around the house. Clutter can gradually overtake a home's interior, turning a once pristine home
into one overwhelmed with nonessential items. Clearing a home of clutter can seem like a monumental task, but the following tips can help homeowners and apartment dwellers make the year ahead clutter-free.
■ Scan important documents and save them on a computer. Some documents cannot be discarded, but that does not mean they have to be stored in bulky file cabinets or desk drawers. Scan important documents such as medical receipts or tax returns and save them on your computer where
Opting for e-statements instead of paper statements can help men and women reduce clutter around the house. they won't take up any physical space. Purchase an external hard drive as a safety net where you can store backups of important documents in case a computer crashes and cannot be rebooted.
■ Thin out DVD and CD libraries. Thanks to streaming services and digital music players, DVDs and compact discs have become somewhat obsolete. Discard or donate DVDs that you can just as easily stream through your television,
and convert compact discs to digital files that you can play on your computer and MP3 players, ultimately donating the discs and clearing space.
■ Purchase furniture that doubles as storage. Storage ottomans and benches can help clear common areas and bedrooms of clutter such as blankets and bed linens that can make rooms feel more claustrophobic. Storage furniture might not get excess items out of the house, but such furnishings can create
■ Adopt an "out with the old, in with the new" mantra. Resolve to discard old items after purchasing new ones or receiving birthday or holiday gifts. Hanging on to old items because they can still function and serve some utility is a recipe for a cluttered home. Anytime you or a family member brings a new item into your home, make sure the item it's replacing finds its way out the door. Clearing clutter is a goal for many people at the dawn of a new year. As intimidating as clutter can seem, discarding it is easier than it may appear. TF171716
Newport News-Ivy Farms 736 Dresden Drive $219,900
4 bedrooms, 3 bathrooms, 2,278 sq ft Beautifully renovated move-in ready home! www.736DresdenDr.com Lorraine Chapman 804-815-9959 For directions visit www.midatlanticresidential.com
URBANNA CREEK 275 Cross St URBANNA – In Town – 3 BR, 3 BA, 2 FP, nice views. Owner has moved – WANTS IT SOLD! MAKE YOUR OFFER! Asking Low $300's
Call Eric Johnson 804-815-8374 Mason Realty Inc. EN OP -4PM 1 SAT
Newport News New Price $225,900 210 Sean Paul Ct. 4BR, 2.5BA. Centrally located in Newport News in Summerlake Shores. Downstairs master. Quiet neighborhood. Cul-de-sac street. Easy landscaping. Back deck looks onto woods. Shows beautifully. Security System, option to join community pool. Great location! This house is close to everything!
Kyle T. Hause, Jr. 757-727-0069 email@example.com Long and Foster Realtors
EN y OPurda t Sa 12-2
Yorktown-Sterling Springs 105 Crossing Waters Way $371,750
Hampton-Wilsons Landing 41 Miles Cary Mews $224,750
Waterfront! Hampton $335,000 9 Hampshire Dr.
4 bedrooms, 2 1/2 bathrooms, 2,762 sq ft ONLY 4 LEFT! Built by VEI Homes
3 bedrooms, 3 1/2 bathrooms, 2,338 sq ft Centrally located! Easy living!
www.105CrossingWatersWay.com Pat Ford 757-268-7229 or Donna Dellinger 757-814-8066 For directions visit www.midatlanticresidential.com
www.41MilesCaryMews.com Heatherly Cabral 757-592-3972 For directions visit www.midatlanticresidential.com
Beautiful, much loved , 3BR, 2.5BA brick home. Awesome water views, pier, 2 boat lifts, in-ground pool, green house - decks for entertaining. Lots of privacy, many updates.Too much to list! Must see! Pamela Double 757-323-3057 Willow Beach Real Estate, LLC
Property FOR SALE or OPEN HOUSE
Williamsburg, VA 108 Grenelefe $554,900 Wonderfully maintained and private 4BR, 3.5BA brick home located in a premier gated community. 1st flr includes 2 MBRs while 2nd flr has 2BR and a massive bonus room. Elizabeth Walthall 757-784-7516 Berkeley Realty Property Management, Inc. firstname.lastname@example.com
Smithfield $428,900 11131 Olde Towne Place 4BR, 2.5BA. Fresh, renovated and ready for new owners! Beautiful all brick two story at the end of cul-de-sac with a private back deck.All new flooring; hardwoods, carpet and ceramic tile.All new SS appls, new granite counter tops, brand new fixtures & a fully renovated master bath w/granite counter tops, new soaking tub & shower. Home has a wonderful open feel! Lauren Duguay Cell: 757-784-8803 email@example.com Long & Foster Real Estate, Inc.
To advertise your Featured
Contact your Daily Press Real Estate Specialist or
CALL 757-247-4530 for more information.
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5 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
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January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 6
garden-style flats with open, airy floor plans and details today's homebuyers are looking for —spacious living areas, modern, updated kitchens, all-new stainless steel appliances and plenty of storage space. Homes even come prewired for high speed Internet, telephone and digital cable TV. "You just don't find features like these in an older home or even in newer homes that cost a lot more," says Powers. Sally Horvath is Vice President of Sales and Marketing for The Dragas Companies, the local builder behind King's Pointe. Over the past 48 years, The Dragas Companies has developed and built more than 35 award-winning condominium communities in Chesapeake and Virginia Beach, each one a testament to the company's founding mission. "Our goal has always been to make home buying possible and affordable for first-time homebuyers and others looking for well-built homes in well-planned communities," says Horvath noting that the company's involvement in the entire development of a property— from finding the land to designing the community to building, selling and even financing the homes—allows them to make sure that that quality standards are met on every front. It also allows them to offer special incentives in addition to the already-low monthly payment. For a limited time, for instance, select homes at King's Pointe are eligible for a $10,000 allowance to use however a buyer needs, plus all closing costs and prepaids covered at closing. "Buying a first home, or any home for that matter, is a big investment," says Horvath. "It's nice to know there's an experienced company behind your new home and people who are invested in its quality and value."
At King's Pointe, First-Time Homeowners Don't Have To Choose Buying a first home used to mean settling for a small fixer-upper in a less than perfect neighborhood. Not anymore, says Katie Powers, Sales Manager for The Dragas Companies' King's Pointe condominium community in Chesapeake's Western Branch. Powers and fellow Sales Manager Anna Gaskins say they're selling new homes to more and more first-time homebuyers, who realize they could own a brand-new home in a beautiful new community for less than they're paying in rent. "Many have spent months looking at places in their price range in Hampton Roads," she says. "They tell us everything out there is either old and run-down or built for the way people used to live — small kitchens, no closets, things like that."
Powers and Gaskins both say the opportunity to own a stylish new 2-bedroom home for under $900 a month is a huge selling point but by no means the only one. The community's central location, just minutes from the MonitorMerrimac Memorial Bridge-Tunnel, makes it an easy commute to NASA/Langley, Newport News Shipbuilding and other major employers on the Peninsula. "The location is pretty hard to beat, especially for people who work on the Peninsula," says Powers. King's Pointe homeowner Sarah Sledge is one of them. "This really is the perfect place," says Sledge. "I work in Newport News and my husband works in Norfolk. We both wanted a place to call home
where neither one of us would have a huge drive." Being close to businesses, schools, shopping and entertainment on both sides of the water is a key advantage but it's the look and feel of the community and the quality and affordability of the homes themselves that really close the deal. "We hear it from homeowners all the time," says Gaskins. "King's Pointe is just a nice place to come home to." Nestled in a 14-acre forested preservation area, King's Pointe at Western Branch has its own private pool, neighborhood clubhouse and landscaped grounds that are carefully and continuously maintained. Attractive, low maintenance homes at under $900 a month include 2-bedroom
King's Pointe model homes are open for tours seven days a week. It's definitely worth a visit, says Horvath, especially if you work on the Peninsula and are still renting. "You'll be surprised at how close it is and amazed at how affordable." For more information about King's Pointe at Western Branch or to schedule a personal tour, call site agents Katie Powers or Anna Gaskins at 757.606.2999 or visit us at dragas.com. *Payments of $897.12 PITI based on $152,900 sales price, VA 30 year fixed rate loan with zero down payment at 3.75% rate (4.0344% APR) (rate, sales price and incentives as of 12/7/2016 and are subject to change). Does not include condo fee. Incentives available on select homes for a limited time and are subject to lending guidelines. Must use Dragas Mortgage Company as lender. See Dragas agent for details, some restrictions may apply. Dragas Realty is not a mortgage lender and so you should contact Dragas Mortgage Company directly to learn more about its mortgage products and your eligibility for such products.
Kings Pointe at Western Branch
Schools: Western Branch Primary, Western Branch Intermediate, Western Branch Middle and Western Branch High. Sales Office: 4350 Farringdon Way Chesapeake, VA 23321.
Sales Managers: Katie Powers and Anna Gaskins. Call 757.606.2999 for an appointment or for questions. Sales Office Hours: Monday through Saturday, 11 a.m.-5 p.m.; Sunday, 12-5 p.m. Directions: From the Peninsula take I-664 south across the Monitor-Merrimac Memorial BridgeTunnel. Continue south on I-664 to Portsmouth Boulevard (exit 11B) heading east. Take the first left, Gum Road, and continue around the bend. King's Pointe will be on the right.
Developer: The Dragas Companies. Models: • The Hanover—Two bedrooms, two baths. Approximately 1,304 square feet priced from $152,900.
From the Southside take I-264 west through the Downtown Tunnel and continue to I-664. Take I-664 north to Portsmouth Boulevard (exit 11B) and head east. Take the first left, Gum Road, and continue around the bend. King's Pointe will be on the right.
• The Windsor—Two bedrooms, two baths. Approximately 1,269 square feet priced from $167,900. • The Manchester—Two bedrooms, two-anda-half baths. Approximately 1,704 square feet priced from $206,900. • The Wessex—Three bedrooms, two-and-a-half baths. Approximately 1,727 square feet priced from $206,900.
GPS Coordinates: Latitude 36.824100, Longitude -76.427500.= Website: www.dragas.com
• The Kensington—Three bedrooms, two-anda-half baths. Approximately 1,644 square feet priced from $201,900. Condo Fees: $160-$180 per month. Fees include water and sewer, trash pickup, master insurance
For more information about King's Pointe in Western Branch or to schedule a personal tour, call site agents Katie Powers or Anna Gaskins at 757.606.2999.
Newport News Check rates daily at http://dailypress.interest.com Institution
30 yr APR
30 yr Fixed
% Down
Phone / Website
NMLS # / License #
Rate: 4.000
15 yr fixed
3.375 0.000
20% 3.435
3.375 1.000
20% 3.646
Points: 0.000
Fees: $675
BayPort Credit Union
30yr Fixed APR % Down: 20%
LENDERS, TO PARTICIPATE IN THIS AD CALL BANKRATE.COM @ 800-509-4636 Legend: The rate and annual percentage rate (APR) are effective as of 1/10/17. © 2017 Bankrate, LLC. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). "Call for Rates" means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,101. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home's value, you will be subject to private mortgage insurance, or PMI. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, LLC. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $424,100, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. • http://dailypress.interest.com
7 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
A Quick View
policy, landscaping, and access to the pool and clubhouse.
January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 8
TRANSACTIONS HAMPTON 15 Westview Drive Subdivision: Westview Lakes Price: $220,900 Buyer/Seller: William E. Cobb and Kendle M Roberts/Robert and Meredith Romito 120 Harris Creek Road Subdivision: Holiday Park Price: $100,000 Buyer/Seller: Michael S. Aspiotis/Eric G Manley and Vincent Stewart 31 Eastmoreland Drive Subdivision: Bellview Terrace Price: $65,000 Buyer/Seller: Penstar Realty Corp./James W. McCormick and Jane N. 113 Rosewood Drive Price: $60,000 Buyer/Seller: Jeffrey S Madon/Virginia Housing Development Auth 1225 West Ave. Price: $33,100 Buyer/Seller: Jimmy and Johnny Nguyen/Secretary of Veterans Affairs
z113 Parkers Ridge Price: $554,250 Buyer/Seller: Jose Torres Jr. and Nivia A. Torres/ Joseph M Hinson Jr. 107 Royal Dornoch Subdivision: Cypress Creek Price: $462,000 Buyer/Seller: Kyle Martindale and Tara Estabrooks/Christopher B. and Theresa M. Lowe 128 St. Andrews Subdivision: Cypress Creek Price: $450,000 Buyer/Seller: Deric E Robinson Sr./Cypress Creek Dev Co. LLC 12746 Courthouse Highway Price: $430,000 Buyer/Seller: 12746 Courthouse Highway LLC/ Sky Blue Properties LLC 22377 Moss Creek Circle Price: $380,000 Buyer/Seller: Christopher Pinedo/Deniece N Howard
Recent area home sales
13430 Waters Edge Court Price: $364,900 Buyer/Seller: Arthur Thomas Harmon III and Alicia May D'Aurora/ Secretary of Veterans Affairs 22264 Tradewinds Drive Price: $305,000 Buyer/Seller: Daryll D Villiard/Robert C. and Jennifer C. Fannon 803 Smithfield Blvd. Subdivision: Scots Landing Price: $303,000 Buyer/Seller: Jaqueline Burton/Gerald O. Hubbard Jr. 23397 Sugar Hill Road Price: $275,000 Buyer/Seller: Lisa R. and Thomas C. Wood/Rebecca I. Gaddy 15966 Quaker Pointe Road Price: $260,000 Buyer/Seller: Courtney A. Van Veenhuyzen/Kyle R. and Ruth J. Arcand 15088 Wineberry Court Subdivision: Carrollton Meadows Price: $240,000 Buyer/Seller: Justin K. Paquette/Jacob C. Stone and Gail L Meister 111 Spinnaker Run Lane Subdivision: Winterberry Place Price: $240,000 Buyer/Seller: Michael E. O'Leary/Secretary of Hud 22408 Sundown Drive Subdivision: Ashby Price: $235,000 Buyer/Seller: Mary Lou McDermott/Michael J. and Penny L. Leota 1804 James River Trail Price: $208,990 Buyer/Seller: Daniel T. and Kendra L. Cox/Tract 3 LLC 1808 James River Trail Price: $190,970 Buyer/Seller: Lisa A. German and Ronald D Socia/Tract 3 LLC 201 Kings Point Ave. Subdivision: Wrenns Mill Estates Price: $182,500 Buyer/Seller: Thomas R. and Mary E. Pennington/ Michael D. and Cortney L. Callihan
1607 Magruder Road Subdivision: Grimesland Price: $151,600 Buyer/Seller: Sergio A. and Kimberly K. Poje/ Secretary of Hud 20368 Lake Point Drive Price: $120,000 Buyer/Seller: Todd R Wiggins/Thomas B. Wiggins 2114 King James Court Price: $115,000 Buyer/Seller: Robert Yost/ Carol A. Johnson 321 West St. Price: $96,433 Buyer/Seller: William Landon Gilchrist/Mario Burrell
20 Dorothy Drive Subdivision: Roberts Acres Price: $310,000 Buyer/Seller: Steven Karavolos (and others)/ David Brabrand (and wife)
224 Lewis Burwell Place Subdivision: The Village at Quarterpath Price: $236,000 Buyer/Seller: Paul and Sarah Flanigen/Janet Ayers Gordon Trust B.
149 Little Florida Road Price: $290,000 Buyer/Seller: Steven P. Clark Jr. (and others)/ Jimmy L. Lewis (and wife)
376 Merrimac Trail Subdivision: Barclay Square Price: $144,000 Buyer/Seller: Floyd E. Reynolds/Oscar Van Hull IV
146 Villa Drive Subdivision: Villas Oxford Run Price: $259,900 Buyer/Seller: Anthony J. Malcuso (and wife) (and others)/Anthony J. MacAluso (and wife)
14161 Chapmans Lane Price: $90,000 Buyer/Seller: Douglas and Sandra Vance/Samuel P. Martin and Bryan T Heldreth
120 Villa Drive Subdivision: Villas Oxford Run Price: $235,000 Buyer/Seller: Sally Gobrecht/Jean White Roberts (and others)
5412 Old Stage Highway Price: $79,500 Buyer/Seller: Ricky J. and Vicki B. Billings/Robert B. Ellis
1347 Poquoson Ave. Price: $195,000 Buyer/Seller: Keystone Homes Corp. LLC/Dunston Hall LLC
5091 James Way Price: $15,000 Buyer/Seller: Willie J. Carter/Arthur Bryan Hall Jr.
52 Messick Road Price: $151,400 Buyer/Seller: Amanda K. Evans/J. Warren Dixon Jr. (and wife)
POQUOSON 48 Brickhouse Road Price: $590,901 Buyer/Seller: Lawrence J. Ritter II (and wife)/ Christopher W. Williams (and wife) 17 Wornom Farm Road Subdivision: The Lakes of Poquoson Price: $510,000 Buyer/Seller: Louis S. Pine (and wife)/Anthony E. Barbarisi (and wife) 109 Sandy Bay Drive Subdivision: Poquoson Shores Price: $474,000 Buyer/Seller: Divya Reddy Sankepally (and husband)/Paul J. Barber (and wife) 15 Odd Road Price: $382,000 Buyer/Seller: John B. Burcher and M. Diana (trustees)/John Barry Chelton Burcher (and wife)
285 Merrimac Trail Subdivision: Shellis Square Price: $100,000 Buyer/Seller: Joy D Tyson/John and Regina McCutcheon 1203 Jamestown Road Subdivision: Peppertree Price: $90,000 Buyer/Seller: Elizabeth Anne Breeze/Gregory S. and Kelly J. Hopper 285 Merrimac Trail Subdivision: Shellis Square Price: $87,034 Buyer/Seller: Ioan R Ban/ Securitized Asset Backed Receivables Trust 2007BR4 LLC
835 Yorktown Road Price: $127,000 Buyer/Seller: Beach James B. Jr (trustees)/ Wanda Magee
100 Mitchells Metd Subdivision: Woods of Tabb Price: $400,000 Buyer/Seller: Yaney Valerio/Keystone Homes Corp.
1305 Poquoson Ave. Price: $120,000 Buyer/Seller: Melvin Lee Holloway (and others)/ Robert Scott Holloway
103 Zachary Place Price: $365,000 Buyer/Seller: Jonathan R. and April N Gary/Roy D. and Beverly H. Naylor
14 Lodge Road Price: $118,000 Buyer/Seller: Secretary of Veterans Affairs/William R. Houdek (and wife)
1313 Penniman Road Price: $275,000 Buyer/Seller: Luciano and Ana Portillo Ramos/2ND Mile LLC
148 Emmaus Road Subdivision: Lambs Point Price: $81,000 Buyer/Seller: Deanna L. Mathis (and others)/Alfred L. Farmer III (and wife)
114 Penn Drive Subdivision: Old Quaker Estates Price: $246,600 Buyer/Seller: MarcusScot and Stephanie Thompson/Julene L Thomas-Highfield
WILLIAMSBURG 145 Parkway Court Subdivision: Parkway Towns at Williamsburg Price: $281,527 Buyer/Seller: Joseph and Rochelle Valere/NVR Inc.
504 Custis Drive Subdivision: York Terrace Price: $232,500 Buyer/Seller: Andrew Chiu Jr./Sheila J. and Terry L Rinehart
128 Grindstone Turn Price: $207,000 Buyer/Seller: Jingjing and Xingzhi Chen Lin/Rebecca Lynn Katherman 101 Thornrose Drive Price: $197,000 Buyer/Seller: Kim R Downing/Joseph J. Tazey (trustee), Joseph J. Tazey (revocable trust), Edith J. Tazey (trustee) and Edith J. Tazey (revocable trust) 101 Queensbury Lane Subdivision: Springfield Terrace Price: $153,000 Buyer/Seller: Pieter and Saskia Mordijck Peers/Joel Fortune 102 Marshall Way Subdivision: Williamsburg Commons Price: $118,000 Buyer/Seller: Jamie L. and Kimberly A. Whelan/ Community Foundation of Greater Richmond 201 Hubbard Lane Subdivision: Nelson Circle Price: $100,650 Buyer/Seller: Wallace and R Paluzsay Stevens/ Virginia Housing Dev Authority 120 Stillwater Lane Price: $90,000 Buyer/Seller: Almond Contracting & Consulting Inc./Stephanie and Suzanne Savage
JAMES CITY COUNTY 3201 Manor Gate Drive Subdivision: Greensprings West Price: $4,225,000 Buyer/Seller: Wngc LLC/ Williamsburg National LLC 3375 Monticello Ave. Subdivision: Acreage Lots - Berkeley Price: $4,225,000 Buyer/Seller: Wngc LLC/ Williamsburg National LLC 3700 Centerville Road Subdivision: Greensprings Plantation Price: $4,225,000 Buyer/Seller: Wngc LLC/ Williamsburg National LLC 3215 Monticello Ave. Subdivision: Acreage Lots - Berkeley Price: $4,225,000 Buyer/Seller: Wngc LLC/ Williamsburg National LLC
Recent area home sales
4068 Thorngate Drive Subdivision: Greensprings West Price: $4,225,000 Buyer/Seller: Wngc LLC/ Williamsburg National LLC
5982 John Jackson Drive Subdivision: Windmill Meadows Price: $455,356 Buyer/Seller: Lawrence Dougherty/NVR Inc.
4809 Beaver Run E. Subdivision: Mallard Hill Price: $349,900 Buyer/Seller: Milton Andrade/Norma Beuschel (living trust)
1657 River Ridge Subdivision: Governors Land Price: $740,000 Buyer/Seller: Robert L. and Frances C. Hooper/ Christopher W. and Pamela B. Snyder
526 Collington Court Subdivision: Marywood Price: $393,500 Buyer/Seller: Jack E. III and Genevieve G. Collins/
3316 Croshaw Court Subdivision: Stonehouse Glen Price: $345,000 Buyer/Seller: Neil John Glenicki/Richard W. and Rilla L. Harper
4039 Ironbound Road Subdivision: Acreage Lots - Jamestown Price: $650,000 Buyer/Seller: 4039 Ironbound LLC/Mershon Properties 101 James Longstreet Subdivision: Kingsmill Price: $499,000 Buyer/Seller: Daniel A. Dutcher/Jonathan R. and Jennifer C. Holmes
4922 Riverview Road Subdivision: Acreage Lots - Stonehouse Price: $379,900 Buyer/Seller: Jarrett D. and Megan J. Moran/Peter J. and Alexandra Saless 333 Oxford Road Subdivision: Marywood Price: $378,460 Buyer/Seller: Jerry Steven Kaczmarczyk/ 113 Pierce's Court Subdivision: Kingsmill Price: $360,000 Buyer/Seller: Ronald C. and Roxzanne D. Meisner/ Bryan G Fichter and Lee F Vanormer
6763 Evensong Subdivision: Colonial Heritage Price: $335,000 Buyer/Seller: Edward J. and Jeanne K. Luzzi/Robert L. Blanchard and R Karen 3448 Hunter's Subdivision: Powhatan Crossing Price: $295,000 Buyer/Seller: Jon Phillip Poulsen and Patricia Joan/ Charles C. and Robin P. Miller
Bryson The magnificent Bryson (407-62) with its tall brick pillars and brick façade reflects the graciousness of the South. Windows of all sizes and shapes break up the exterior look and make the outside of this home even more appealing. Entry into this home is through French doors into a vaulted hall. A beautiful curving staircase separates the entry from the living room, and provides both upstairs and downstairs access. On the left side of the main floor
is the master suite and office. Decorating the entry to the master suite are Chinese boxes. Beyond the French doors, are two coat closets, which open into the large suite area. "His and her" walk-in closets complement the vanity and second sink, oversized tub, and the custom shower. The office is accessible through a pocket door across from the linen closet. The center is dedicated to the kitchen and family room. Archways from the living room and kitchen lead into a formal vaulted dining room. A large pantry, broom closet, and island face the sink with a garden window. Beyond the nook is a
3062 Cider House Road Subdivision: Stonehouse Price: $289,000 Buyer/Seller: James W. and Kathy K. Thornton/ Kenneth J. Holt (trustee) and Holt Sally
22 Winster Fax Subdivision: Kingsmill Price: $234,900 Buyer/Seller: Thomas Cody and Sara E. Watson/ Anthony R. and Gaye Pauroso
76 Summer E.SUBDIVISION: Seasons Trace PRICE: $162,000 BUYER/SELLER: Risa M Walter/Summer East 76 LLC
109 John Pott Drive Subdivision: Ford's Colony Price: $279,000 Buyer/Seller: Lee A. and Kate O. Robbins/Carl E. and Martha Ingram
7530 Tealight Subdivision: Village at Candle Station Price: $231,600 BUYER/SELLER: NVR Inc.
120 King William Drive SUBDIVISION: Ewell Hall PRICE: $140,000 BUYER/SELLER: Sheldon Properties LLC/Secretary of Housing and Urban Development
109 Andrew Lindsey Subdivision: Kingsmill Price: $275,000 Buyer/Seller: Russell R. and Kimberly W. Rutter/7677 LLC 5724 Peter Van Wirt Way Subdivision: Scotts Pond Price: $260,000 Buyer/Seller: Manickam Ramasamy/Venkat and Sushma Chitti
fireplace surrounded by built-in video and book cabinets. Off the end of the family room is the utility, with a shower and ironing board. Access to the two-car garage is through the utility. The garage has two large floor drains, perfect for cleaning the floors, along with a workbench in one corner.
7528 Tealight SUBDIVISION: Village at Candle Station PRICE: $231,600 BUYER/SELLER: NVR Inc. 7526 Tealight SUBDIVISION: Village at Candle Station PRICE: $231,600 BUYER/SELLER: NVR Inc. 7524 Tealight SUBDIVISION: Village at Candle Station PRICE: $231,600 BUYER/SELLER: NVR Inc.
The entire area has been set up to enjoy entertainment together and yet be able to enjoy separate hobbies or pursuits. There is a tack room for the horse lovers and a photo studio/lab for the photo
1614 Skiffes Creek Circle SUBDIVISION: Skiffes Creek Terrace PRICE: $137,000 BUYER/SELLER: Charles J. Secter/Song Hui Chen 109 Jubilee SUBDIVISION: Ford's Colony PRICE: $84,000 BUYER/SELLER: Walter Wlodarczyk Jr. (trustee)/ George R. Martin
enthusiast. A full bath is located on one side of the tack room, convenient for everyone to use.
Two bedrooms are situated at the back of the Bryson adjacent to the formal dining area. They have wall closets and built-in desks. A full bath is situated between, also usable by guests. The air conditioning/heat pump and an emergency generator are conveniently located beyond the utility. Upstairs is one main room, the guest/bed 4. There is a sitting room, ideal for guests to relax and enjoy a quiet time after the long trip. A corner walk-in closet is next to the private bath. Guests will enjoy using the oversized tub and shower. This suite has been designed with comfort in mind. The basement is huge and very family-oriented. A small kitchen is located in rear, accessible to the pool/gallery, TV, and playrooms.
HOW TO ORDER Study Kit: Send $25 to Landmark Designs Inc. P.O. Box 5625, Eugene, OR 97405. Include the plan number (407-62) and that you saw it in the Daily Press. This plan courtesy of Landmark Designs Inc. www.ldiplans.com
9 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 10
Single Property Websites, open 24/7 (even when you're not).
Sell your home, FAST • Get a custom Single Property Website like www.anystreet.com for your home • Hassle-free, automated set up with no data entry • SEO and social media friendly with one click share to Facebook and Twitter Attract more buyers at www.homefinder.com/websites © 2011 HomeFinder.com, LLC. All rights reserved.
Equal Housing Opportunity
Houses For Sale
Real Estate
Townhouse/Condo For Rent
POQUOSON TOWN VILLAS 19 W. Wainwright Dr. 3 BR, 2.5 BA, 1964 sqft. $1440/month
247-4530 Monday-Friday 8am-5:30pm All real estate advertising herein is subject to the Federal Fair Housing Act of 1968 which makes it illegal to advertise "any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, elderliness or national origin, or an intention to make any such preference, limitation or discrimination." This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this publication are available on an equal opportunity basis. To obtain further information on fair housing or to file a housing discrimination complaint, call the HUD toll-free number, (800)424-8590; the VA Fair Housing Office, (804)367-8530; or, on the Peninsula, Office of Human Affairs, (757)245-5642.
Advertising supplement to the Daily Press.
Rentals Open House Newport News/Nottingham Village
OPEN HOUSE Sat. 1/14, 12-3pm 725 Kensington Dr. $225,000 4 BR, 2 1/2 Bath + garage Remodeled kitchen with quartz counters. FR with fireplace. Fresh paint, new carpet up, wood laminate flooring down. Master has 2 walk-in closets. storage shed plus large deck in fenced backyard.
Roommate Wanted Berkeley's Green home for sale. This home has three bedrooms with a bonus room, is situated on a cul-de-sac, and zoned for award winning schools. Call 757-409-7266 for a showing.
Lots For Sale HOLDEN BEACH HIDEAWAY
Call Cheryl at 757-535-9573
Commercial Property For Sale TOANO Farmhouse store, 7787 Richmond Rd Toano, VA. 757-5663199 (home) or Call Tom at other store (Chestnut Bay Furnishings & Mattresses) Tom: 757-564-0305 Home of the Giant Yellow Chair $390,000 apprisal or obo. For rent, $2400. 3000sqft retail space + trailer (rented) 7000sqft barn almost 3 acres of land. 2 doors east of Toano Middle School.
Mobile/Modular Homes For Sale
CLASSIFIEDS Place your ad today! 247-4700 or dailypress.com/advertiser
HAMPTON ROOM FOR RENT Furnished w/ private entry in clean, beautiful house. Parking, kitchenette, & W/D. No Drugs/Smoke/Pets. Proof of income req. $700-$875 utils/ cable/wifi incl. (757) 286 6322
Room For Rent
SACRIFICE $30,000 Breathtaking views and shoreline with direct ocean and ICW access! Call (910) 202-4809
Wanted Real Estate CEMETERY LOT Hampton Memorial Gardens: 2 side x side spaces ( w/ vaults) at the statue of The Four Apostles. Lot 273. Below market. 757-566-3959
NEWPORT NEWS/FT. EUSTIS Price reduced! New 2017 Atlantic Home, 16x80, 3BR, 2BA. Immediately Available! $49,900 Call 887-8606 for more info.
EAST END ROOM $99/Wk 757-921-0078
Don't Sell to Someone Else
We Buy Houses Areas #1 Homebuyer! We Pay MORE!
Houses For Sale POCQUOSON FSBO - Custom Waterfront Home, deep water, w/ Superb Views. Never flooded. 3,000sf +/-, 1st FL Master, 2 gas FP, Dbl garage, dock w/ water & 20/30amp electric. 3BR/2.5BA. 2 Bonus rms. Nice area/Great schools. No thru traffic. $597,500. 36 Rivergate Dr. Call 757-876-5632
Newport News Nice, clean furnished rooms for rent. All utilities included. Deposit Required. Starting at $115 per wk. Call for details: 757-245-2919
Unfurnished, large remodeled, quiet, private.
I found it in the
HAMPTON Room for rent. Utilities incl, furnished with bed, microwave, fridge, cable, & internet. On bus line and safe neighborhood. Proof of income. $125-150/ wk. 757-778-9025
ATTRACT The Best Employees with ads that STAND OUT in the Daily Press Classifieds. Use your LOGO when you call 247-4700 to place a Classified Employment Ad.
Townhouse/Condo For Rent HAMPTON Amazing waterfront condo for rent w/ 3br 2.5ba. Enjoy the gorgeous view of the Hampton river from the living room and master bedroom private balcony's. Amenities include boat slip, swimming pool, and tennis courts. $1,800, Call 757-784-0835 NEWPORT NEWS - DENBIGH 3BDRM 2.5 BA Condo for rent. Great location with community pool. Newly renovated. Available immediately. $1,200 per month with security deposit. Call 757344-0136 for details.
Please Call: 757-868-6792 or 757-592-6298 Houses For Rent HAMPTON 157 Shenandoah Rd. 3BR 2 BA, Deck, Detached Garage, NO PETS, Application Fee, $1,000 Deposit, $1,000 per month 919-422-4833 or 919-965-7286 HAMPTON - NEWPORT NEWS 1134 42nd St. 3BR 1.5BA $825 1245 21st St. 3BR 1 BA $595 218 Wythe Pkwy 3 BR 1.5 BA $925 728 17th St. 3 BR 2 BA $825 757-723-1604 www.bernieandersonrentals. weebly.com
CHECK your caller id, it could be your next customer calling. Sell it with Daily Press Classifieds.
of our history - loving readers visit *
Colonial Williamsburg. Need to Know? It's Classified.
(757)247-4700 * Source: Scarborough
Houses For Rent
QUALITY RENTALS HAMPTON 419 Berkshire Ct. 3BR, 1BA 322 Manack Rd. 3 BR, 1 BA 1046 Big Bethel 3 BR, 1 BA
$ 895 $ 950 $1095
218 Chickamauga Pk. 3 BR,1.5 BA $1150
834 N. 1st St. Unit A 2BR, 2BA $1450 730 B N.1st St 2 BR, 1 BA (Furn) $1650 730 B N.1st St. 2 BR, 1 BA (Unfurn) $1475
NEWPORT NEWS 1601 Malibu Pl. 2 BR., 1 BA. 634 73rd St. 2 Br., 1 BA 12 Howard Ct. 3 BR, 2 BA 846 Masters Tr. 2 BR, 2 BA. 2 Maury Ave. 2 BR. + 1, 1 BA 829 Ventnor Rd.3 BR, 2 BA 332 Norma Ct. 4 BR, 2.5 BA
$800 $850 $1150 $1150 $1195 $1275 $1325
Newport News - Hampton York County - Wmsbg
$800 - $2500 Houses, Townhomes, Condos
Mulder Realty
757-874-4141 NEWPORT NEWS 824 18th St Nice 3 Bedroom 1 Bath, carport washer dryer hookup $900/mo. No Smoking No Pets. Call 888-203-6867.
YORK COUNTY 4303 Big Bethel Rd. 5BR, 3.5BA $2475
Frank & Shapiro Real Estate Inc.
(757) 595-1122
New Market 2 BR Ranchers Avail Immediately! $695 and up CALL (757) 868-6792 (757) 592-6298
Hampton 279 LaSalle 1/1(inc water) 10 Somerset 3/2 3409 W. Weaver 3/1 Newport News
Apartments For Rent
$ 625 $ 795 $ 895
644A Deep Ck 2/2 (waterfront) $1695 27 Lucas Creek 3/2 ½ (gar) $1195
64 Main St 3/1 (gar) 25 Lucas Ck 3/1.5 (gar) 319 B Harpersville 2/1
$ 925 $ 950 $ 795
½ Month's Free Rent to Qualified Applicants PPH 757-599-6054 www.pen-prop.com Visit our website for more info
POQUOSON 15 Riverview Dr. 4 BR, 2.5 BA $1900
Houses For Rent
Hampton & Newport News 15 Colony Rd. 4BR 1.5BA $1300 909 Cherry Creek $1235 3BR 2BA w/attached 2 car garage 5 MacIrvin Dr. 3BR 2BA w/gar $1150 178 Chickamauga Pk 3BR 1BA $1150 1312 Old Buckroe 3BR 1BA $950 500 Shelton 3BR 1 BA $925 18 W. Kelly Ave. 3BR 1.5BA $925 631 Willow Dr. 3BR 1BA $920 1489 Morgan Dr. w/gar 3BR 1BR $900 384 F. Deputy Ln. 3BR 2.5 BA $875 432 Smiley Rd. 2BR 1BA $850 212 W. Chamberlin 2BR 1BA $700 100 W. Cummings 2BR 1 BA $650 Call For Move in Specials! Mercury Property Management (757) 727-0515 www.mercurypropertymanagement.com
Apartments For Rent 3 BEDROOM APARTMENT All furnished, all utilities included. $1100/mo. Deposit negotiable. Call 757-713-4164 HAMPTON VA 1571 Briarfield Rd. 2 bedroom, 1 bath, central heat and air. $625/ mo + $625 Security deposit. 757-888-6602 CALL YOUR Daily Press Classified consultant for ad copy writing assistance. You'll be pleased with the response you get when you advertise in the Classified pages of the Daily Press. Call 247-4700, 8am-5:30pm Monday - Friday.
Colonial Pembroke & Old Point Apartments *1 Month Free Rent 2 Bedroom Apartments *Freshly Painted *Refinished Hdwd Floors $675 per month *with approved credit Rental Office located at: 2121 E. Pembroke Ave, Hampton, VA 757-851-8881
Apartments Parkview Apts & Carley Square Apts 2BR - $525 PPH, LLC. 757-599-6054 www.pen-prop.com
Apartments For Rent Newport News
Efficiency Apts. Starting at $699 ****************** Also: 1, 2, 3 Bedroom Townhouse Apts from $675
Large 2BR Apartments Freshly decorated! Ready to go!
11100 Jefferson Ave. Newport News, VA 23601
Mobile Homes & Lots APARTMENTS, HOMES, TOWNHOMES & CONDOS FOR RENT
Apartments 757-930-4622 Rental Homes 757-926-4405
YORK CO./ POQUOSON/ NN Spacious 2 - 3 Bedrooms, renovated, quiet locations starting at $550 a month plus deposit. Call 757-887-0061
Wanted to Rent
11835 Fishing Point Dr., Ste. 101
Schroeder Center
Shopping Center For Rent Good shopping center, 1200 SF. New building. Great location! Located at 1900 George Washington Highway, off Rte. 17 in Yorktown Call: (702) 449-7173 for more information
Starting at $695 a month +
(757) 599-9134
1 MONTH FREE RENT *with 1 Year Lease
Only 6 Available $699 mo. 757-595-6742
Great Location! Midtown NN Large 2 Bedroom, 1 Bath Apt. Free Heat & Free Hot Water Sm. Pets OK
Frank & Shapiro Real Estate 11430 Jefferson Ave., Apt. 107
1 Month Free Rent* *with approved credit
Ask About Our Special
Apartments For Rent
ATTRACT The Best Employees with ads that STAND OUT in the Daily Press Classifieds. Use your LOGO when you call 247-4700 to place a Classified Employment Ad.
An ad in The Daily Press is your best way to reach consumers. Call 247-4700 to ask about advertising options.
Place your ad online at dailypress.com/advertiser. Now easier than ever! Attorneys
(Uncontested) $395 + $86 court costs. No court appearance required All telephone inquiries Welcome! Se habla espanol Hilton Oliver, Attorney (757) 490-0126
Handyman Services
HANDYMAN Kitchen & Bath & Tile Rotten Wood Repair Roof Repair/Painting "Honey Do" List Drywall & Plaster Repair Deck & Fence Repair
Call 757-838-0045 Lic. & Insured
EXPERT CONCRETE SEASON DISCOUNT Driveways, Walkways, Sidewalks, Pool decks, Footings, Garage slabs & Patios.
(757) 593-0158
SHOP THIS CLASSIFIED SECTION and
Home Improvements
DRYWALL PLASTER STUCCO GENERAL REPAIRS 757-813-1199 firstname.lastname@example.com
JTAskew.com HOME REPAIRS & IMPROVEMENTS Repairs, New Construction, Product Installations, Reasonable Rates, No Job Too Small, VA State Lic. Call or Text for Free Estimates. 757-374-7912
Want to focus a reader's attention?
Ask your Classified Advertising sales representative about color backgrounds and borders.
You will find it fast in the Daily Press classifieds
Call 757-247-4700 to place a classified ad.
Lawn and Tree Service
Professional Services
I'VE MOVED!! Mun Davidson
Licensed & Insured Mention this ad for 10% off
(Former Manager of Green Barbershop) NOW OWNER AT TABB BARBERSHOP 2703 George Washington Memorial Hwy, Ste F, Yorktown, VA 23693 (757) 218-9829
Specializing in Leaks & Repairs. Free estimates Written guarantee! 722-7898 / 880-7073
Attract Attention
SHOP THIS CLASSIFIED SECTION and
From Readers Ask for a color background with a border. Call 757-247-4700 For assistance with your classified advertising
757-898-5333 No Job Too Small
ABSOLUTELY AFFORDABLE & Always there for you 24/7
Winter Is Here! Tree Removal, Stump Grinding, Pruning and more! No Job Too Difficult!
Call 592-3130
OUT OF THE PAST AND INTO YOUR HANDS You will find it fast in the Daily Press classifieds
11 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
Houses For Rent
January 13, 2017 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — 12
Preferred AGENTS
Buying or selling a home takes time, experience, and knowledge of the local market. When it is time to find the right home, start at the site with the right options www.HomeFinder.com 757-879-0053 firstname.lastname@example.com
Marilyn Rivera 757-561-6099 email@example.com
Port Warwick 1030 Loftis Blvd, Suite 200 Newport News, VA 23606
Deborah Martin Giese REALTOR, Associate Broker CRS, GRI, ABR, SFR, MRP Property Manager I am never too busy for your referrals!!!!!
825 Diligence Drive, Suite 126 Newport News, VA 23606 • Office (757) 873-3636
Your home has an address. Give it a Web address too!
5400 Discover Park Blvd Williamsburg VA 23188 • Office: (757) 345-5318
Cell: (757) 876-7825 • firstname.lastname@example.com • www.debgiese.com
757-846-7108 email@example.com lizmoore.com/mariacall 11801 Canon Blvd. Newport News, VA 23606 Office: 757-873-2707 Making your dream Of home ownership a reality
Darlene Bridgette, Associate Broker, Realtor, ABR, SRES, SFR 2306 Cunningham Drive Hampton, VA 23666 757-251-6046 Office • 757-692-4999 Cell email@example.com Bridging the Gap to HomeOwnership
REALTOR® Relo Specialist (757) 869-3294 DIRECT (757) 838-1111 OFFICE (757) 470-5019 EFAX 2310 Tower Place Suite 103 firstname.lastname@example.com www.coldwellbanker.com/agents/Corinne-Holland-23666 Hampton, VA 23666
Sell your home, FAST
• Get a custom Single Property Website like www.anystreet.com for your home • Hassle-free, automated set up with no data entry • SEO and social media friendly with one click share to Facebook and Twitter
Attract more buyers at www.homefinder.com/websites
Each Office Is Independently Owned And Operated
© 2011 HomeFinder.com, LLC. All rights reserved. Equal Housing Opportunity
13 — Hampton Roads HomeFinder • www.dailypress.com/realestate • An advertising supplement to the Daily Press — January 13, 2017
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text:
Yankee bonds: Foreign bonds denominated in US$ issued in the United States by foreign banks and corporations. These bonds are usually registered with the SEC. For example, bonds issued by originators with roots in Japan are called Samurai bonds.
Yankee CD: A CD issued in the domestic market, typically New York, by a branch of a foreign bank.
Yankee market: The foreign market in the United States.
Yard: Slang for one billion dollars. Used particularly in currency trading, e.g. for Japanese yen since one billion yen only equals approximately US$10 million. It is clearer to say, "I'm a buyer of a yard of yen," than to say, "I'm a buyer of a billion yen," which could be misheard as, "I'm a buyer of a million yen."
Yield: The percentage rate of return paid on a stock in the form of dividends, or the effective rate of interest paid on a bond or note.
Yield curve: The graphical depiction of the relationship between the yield on bonds of the same credit quality but different maturities. The plotting of investment yields against maturity periods. The yield curve can accurately forecast the turning points of the business cycle.
Yield curve option-pricing models: Models that can incorporate different volatility assumptions along the yield curve, such as the Black-Derman-Toy model. Also called arbitrage-free option-pricing models.
Yield curve risk: The risk of losses due to adverse changes or shifts in the yield curve.
Yield curve strategies: Positioning a portfolio to capitalize on expected changes in the shape of the Treasury yield curve.
Yield ratio: The quotient of two bond yields.
Yield spread strategies: Strategies that involve positioning a portfolio to capitalize on expected changes in yield spreads between sectors of the bond market.
Yield to call: The percentage rate of a bond or note, if you were to buy and hold the security until the call date. This yield is valid only if the security is called prior to maturity. Generally, bonds are callable over several years and normally are called at a slight premium. The calculation of yield to call is based on the coupon rate, a length of time to the call and the market price.
Yield to maturity: The percentage rate of return paid on a bond, note or other fixed income security if you buy and hold it to its maturity date. The calculation for YTM is based on the coupon rate, a length of time to maturity and market price. It assumes that coupon interest paid over the life of the bond will be reinvested at the same rate.
Yield to worst: The bond yield computed by using the lower of either the yield to maturity or the yield to call on every possible call date.

subset: commoncrawl


text:
Xiaomi Mi Note Pro: 4GB RAM Smartphone by Xiaomi
2015 could be a year of 4GB RAM Smartphone, smartphone companies have started making the mobiles with that much RAM that still doesn't come with some computers and laptops. After Asus ZenFone 2, Lenovo K80 is about the Launch in few days, and then Xiaomi Mi Note Pro in the first week of May. Well, Who cares! Apple iPhone 6 and 6 Plus both have 1GB RAM, but still runs smoothly. Well, I will discuss about Xiaomi Mi Note Pro in this article.
Xiaomi Mi Note Pro is just 7 mm thick what makes it the slimmest phone among all 4GB RAM Smartphone. It also has bigger display 5.7 inches and better resolution 1440 x 2560 pixels (515 pixel per inch). It will feature a 13-megapixel rear camera with dual-LED flash and 4-megapixel front camera.
We also know that 64-bit processor is in trend these days, So Xiaomi has also used Qualcomm Snapdragon 810 chipset that supports 64 bit architecture, and has octa-core processor which is mixed of 2 Quad core providing the clock speed of 2 GHz and 1.5 GHz. It will feature Adreno 430 Graphic and Android 5.0.1 Lollipop OS. As we already know it's a 4GB RAM smartphone, but like some other models this model also won't have microSD care slot. It will have built-in storage of 64GB.
As far as connectivity is concerned, it is 4G LTE equipped and has headphone and USB port, Bluetooth 4.0, WiFi and GPS. The phone has built-in battery of 3090 mAh featuring fast charging that could charge 60% of your phone in 30 mins only. The price of Xiaomi Mi Note Pro is expected to be around 533 USD (3300 Chinese Yuan).


text:
Yeehee, I got nominated for the Liebster Award for the second time! (The first time I got nominated is like 3 years ago when I just started my blog) and because I only had like 17 followers back then. So I thought it'd be fun to do it again since there are also some fun new questions now!
The rules:
- tell which blogger you got nominated by.
- answer the questions you got by the one who nominated you
- nominate 5 other bloggers (with 200 followers or less)
- tell the 5 bloggers you nominated them
- make up 11 new questions for the ones who are nominated by you :-)
So let's start off, shall we? Enjoy!
What is your favorite quote?
Urghh, this is kind of a hard one since it just totally depends on my mood and it changes from time to time. But right now I guess it has to be:
"It was when I stopped searching for home within others
and lifted the foundation of home within myself
I found there were no roots more intimate
than those between a mind and body
that I decided to be whole" - Rupi Kaur
But like I said, it changes from time to time but you can find all the quotes that speak or have spoken to me on some kind of level on my tumblr page here #ShamelessSelfPromotion lol. ;-)
What does your perfect 'Me-time' moment look like?
Ohhh I love my "me-time" It's really something I need every 2 week/ once a month to keep up with everything! My perfect 'me-time' moment would probably look something like chilling on the couch or outside ( if the weather is any good) with an amazing book and some kind of fruit(salad) to eat!
What's your absolute dream destination?
Bali, no doubt!
With which Celeb would you like to be stuck on an uninhabited island?
Harry Styles, hell yes! 13 year old directioner me would probably die if that happened. Hahahahaah lol. Also, he just seems like a really kind, interesting and helpful fellow. But I wouldn't mind to be stuck with Johnny Depp either. ;-)
What can they wake you up for at midnight?
Hmm..., probably for a few of my favorite dishes my mom cooks, like coconut meatballs, rose potatoes out of the oven, etc. What can I say, I love food! No shame.
If there's something you'd be able to change about yourself, what would it be?
Well obviously we all have times where we'd like to change ourselves. To be thinner, maybe have more curves, brighter eyes, longer hair etc. But ya know, at the end of the day I'm quite ok with who I am. Of course I still have some days where I feel a bit down and where I wish I looked like someone else but I think we shouldn't forget that at the end of the day we all have something that makes us unique and interesting and beautiful in some way. And just because you don't think you're beautiful at one point, that doesn't mean other people don't see you as a beautiful human being.
But I guess, if I really have to choose something it'd be to change the fact that sometimes when I smile, one of my eye is bigger than the other. Ok and this sounds odd, but it's not like a huge difference or anything, and it's not always like that when I smile!
Which song do you sing while you're in the shower?
It can be anything! Most likely the song I'm obsessed with at that moment and otherwise it'll most likely be anything ed sheeran/ one direction/ the 1975/amy whinehouse or an old jam!
Describe yourself in 5 words.
Introvert, Kind, Stubborn, trustworthy and... I'd also like to think I'm funny ;-)
Do you prefer Sweet or Savory?
Again, totally depending on the mood. But more often sweet!
What's on your wishlist?
Hmm.., A trip to England, and a new camera!
What's your ultimate summer jam?
* scrolls through music library and spotify* Probably something from disclosure, sam hunt, majestic remixes ( from youtube) or old songs like summer of 69, september, hotel california. :-)
So those were all the question! I hope you enjoyed reading it and maybe even got to know a bit more about me!
The bloggers I nominate are:
And my questions are:
- What is your favorite song and why?
- What is the first thing on your bucketlist?
- Which book are you currently reading or would you like to read?
- Who is your celebrity crush?
- Favorite artist/band?
- Favorite piece of clothing you own?
- Name 5 things that are on your wishlist for this autumn/winter
- Favorite season?
- Favorite food/recipe?
- Who's concert would you really like to go to?
- favorite trait of yourself?
Hope you liked this post! I'll hopefully write you soon :-)


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Mon, 9 July 2012 | By Richard Weitz
This article was first published in the Turkey Analyst, vol. 5 no. 14 (www.turkeyanalyst.org), a biweekly publication of the Central Asia-Caucasus Institute & Silk Road Studies Program Joint Center. © Central Asia-Caucasus Institute & Silk Road Studies Program Joint Center, 2012.
The decision of the June 6-7 annual meeting of the heads of state of the Shanghai Cooperation Organization (SCO) in Beijing to designate Turkey a formal dialogue partner of the organization is yet another sign of recognition of Turkey's growing influence in Central and South Asia. Turkey's new status may also reinforce Ankara's influence in the region, especially now that other NATO members are reducing their presence in Afghanistan. But Turkey still confronts major obstacles to pursuing its ambitious diplomatic agenda in Central and South Asia. China was likely supportive of deepening the SCO's ties with Turkey, but Turkey's relations with Russia might worsen, which in that case will constrain Turkish influence in Central Asia.
The 2009 Yekaterinburg summit created a new affiliation category — that of "dialogue partner" — for countries that are neither full SCO members (like China, Russia, Kazakhstan, Kyrgyzstan, Tajikistan, and Uzbekistan) nor formal observers like India, Iran, Pakistan, Mongolia, and now Afghanistan, admitted at the Beijing summit. In the past, the SCO had established formal partnerships only with other multilateral organizations, such as the Collective Security Treaty Organization (CSTO), a Moscow-dominated military alliance of former Soviet states that includes all SCO members except China. The Yekaterinburg summit however, decided to grant Belarus and Sri Lanka "dialogue partner" status. These partners cannot sign SCO documents or participate in SCO decisions; they can only offer advice in those areas of cooperation specified in a memorandum negotiated between the SCO and the partner. How Belarus and Sri Lanka have actually engaged with the SCO, whose center of gravity clearly lies in Central Asia, remains unclear.
But designating Turkey a dialogue partner makes imminent sense given Turkey's longstanding interest in Central Asia and newfound ability to influence developments in that region. The issue of Turkey's acquiring some kind of formal affiliation with the SCO), the dominant multinational institution in Eurasia, has been under discussion for years, but it was not until this summer that the SCO governments finally decided to offer Turkey some kind of formal affiliation after Ankara had assured them that Turkey would not be a stalking horse for NATO in Eurasia.
In addition, Turkey's population provides Ankara with one of the biggest and most readily deployable armies in Europe. Turkish academies and trainers have been working with Central Asian militaries since these countries became independent in 1991. Turkey is located astride multiple global hotspots — the Balkans, the Caucasus, the Middle East — giving its significant geopolitical weight. And allowing a NATO member to affiliate with the SCO helps reduce the concerns of some outsiders that the SCO is seeking to construct an alliance of anti-Western autocracies in the heart of Asia.
NATO's impending military withdrawal from the region has finally spurred the SCO to assume a more forthcoming role in securing Afghanistan's security. By making Turkey a dialogue partner and Afghanistan a formal SCO observer, the SCO now has the most comprehensive set of members to address Afghanistan's regional security and economic integration. Turkey has played a major role in enhancing Afghanistan's security and development. More than one thousand Turkish soldiers serve in the International Security Assistance Force (ISAF) in Afghanistan. Turkish diplomats also have been pursuing regional peace initiatives such as the Istanbul Process aimed at reconciling Islamabad and Kabul. Ankara is thus well-situated to mediate any peace agreement between the Afghan government and the Taliban insurgents.
Turkey could also help the SCO realize its aspirations to have greater economic impact. Turkey has considerable assets in such sectors as finance, transportation, energy, telecommunications and construction. Although not yet in the same class as China, India, and Russia, Turkey's booming economy has already propelled Turkey to the ranks of the G-20. Turkey already has some $11 billion in combined trade and investment in Central Asia, as well as approximately $1 billion in Eximbank loans and some $30 billion in contracts to almost 2,000 Turkish firms.
What does Turkey gain from its new SCO status? In addition to Afghanistan, the main security preoccupation of the SCO thus far has been the "three evils" of terrorism, separatism, and extremism — all national security priorities of Turkey's as well. A strengthening of Islamist radicalism in Central Asia could easily redound negatively in Turkey, while Turkish authorities want to delegitimize Kurdish aspirations. Turkey's border security is constantly challenged by narcotics and human trafficking from Central Asia since Turkish territory provides the most direct land route to European markets.
Turkey's bilateral relations with Central Asian governments and peoples could use the supplementary link provided by the SCO to the newly independent Turkic republics. The Turkish Council, TÜRKPA, TÜRKSOY, the Turkish Academy and Turkey's numerous student scholarships have not yet yielded Ankara much influence in these states. Ankara's bilateral relations with Uzbekistan (and Turkmenistan, which has no SCO affiliation) are strained. The impact of the Central Asian projects sponsored by the Turkish Cooperation and Development Agency (TİKA) has been weakened by the decision to expand its aid recipients to dozens of countries rather than retain its original focus on the newly independent Turkic republics. The educational and cultural outreach efforts sponsored by the Turkish government and various Turkish NGOs have had limited impact building on the shared ethnic, religious, linguistic, and other bonds between Turkey and these nations.
The SCO provides Turkey with another means of deepening its still modest political engagement with Central Asia, and in a framework acceptable to Russia and other countries that remain wary of what can appear to be neo-Ottoman, or rather pan-Turkic, aspirations regarding the Turkic nations of Central Asia. And Ankara also has a better prospect of participating in SCO-led diplomatic initiatives regarding Afghanistan or Central Asia and the organization's socioeconomic initiatives, which might extend to the energy realm. If the SCO forms an oil and gas club, then Turkey wants to be one of its members.
Meanwhile, Turkey's status in Europe, the United States, and elsewhere also stands to increase through a formal affiliation with the SCO. Turkey's designation helps counter critics that hold that the country's ambitious policy of zero problems with neighbors has failed to attain any enduring results. NATO members also now have a means to engage Iran, which is often excluded from U.S. and EU initiatives, directly on Afghan issues. And Turkey is now eligible to become a formal observer or full member of the SCO, with enhanced privileges, in the future.
But Turkey also will find it harder to avoid the contradictions that permeate the SCO. Turkish diplomacy has already fallen afoul of the confrontation between SCO observers India and Pakistan, with media commentators in both countries accusing Turkish leaders of not paying sufficient heed to their respective security interests in Afghanistan. Although currently camouflaged by Turkey's relying on NATO to bolster its security regarding Syria, some NATO officials remain uneasy about the implications of Turkey's eastward drift for alliance cohesion. Turkey might seek to use its SCO ties as leverage in NATO debates.
Ankara also will find it hard to avoid the differences between Beijing and Moscow regarding the SCO's proper role and development. Whereas China would like the SCO to establish a free-trade zone, Russia has sought to sustain barriers that help preserve the privileged status many Russian businesses inherited from the Soviet era. This is especially true in the energy sector, where China is eager to expand its access to Central Asian oil and gas resources traditionally under Russia's control. The differences between China and Russia have contributed to the SCO's not admitting any new full members to its ranks since its founding in 2001.
China was likely supportive of deepeningthe SCO's ties with Turkey. Beijing has been cultivating Turkey on many levels and Sino-Turkish economic and more recently security relations have become increasingly important. Chinese scholars have expressed admiration for Turkey's strong economic performance while policy makers in China are content that Ankara has made it clear that it is not going to champion Uighur or other Turkic separatism in China or other countries. Central Asian governments also welcome Turkey's growing ties in the region in helping them pursue multi-vector foreign policies even as other NATO countries reduce their presence in their region.
However, Turkey would not have been designated a dialogue partner had it not been for Russia's consent as well. Russia and Turkey have developed robust economic and security ties and Russian policy makers see Turkey as an important platform supporting their energy aspirations in Europe. That said, Turkish influence in Central Asia could be constrained if President Vladimir Putin's Eurasian Union, designed against China and the EU, becomes more important than the SCO. Ankara has been fortunate — so far — that Moscow has not become overly irritated by Turkey's confrontation with Syria, Moscow's main client in the Middle East, or by Turkey's support for NATO's missile defense architecture in Europe. Russian-Turkish relations can nonetheless be expected to worsen soon for these very reasons, not least as a consequence of Turkey's commitment to bring about regime change in Syria. Turkey will therefore likely remain a mere dialogue partner in the SCO for some time to come.
Richard Weitz is Senior Fellow and Director, Center for Political-Military Analysis, Hudson Institute


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MILLEDGEVILLE - The Bulloch Academy Gators didn't do a whole lot of scoring throughout the Region 4-IAAA tournament.
STATESBORO - For three consecutive nights, the Statesboro Blue Devils found themselves in nip-and-tuck battles in the Region 3-AAAA tournament.
MILLEN - The Portal Panthers earned a measure of vengeance Friday and punched a ticket to the Region 3-A Tournament Championship game in the process.
MILLEN - It was tough sailing early on for the Portal Panthers, but a big third quarter gave them some breathing room and they cruised to a 69-45 win over Wheeler County in Thursday night's Region 3-A tournament quarterfinal matchup.
Revenge is a dish best served in the postseason.
When the Statesboro girls hit the field this evening to kick off their 2013 campaign against Savannah Christian, they'll bring with them a wealth of talent and lofty expectations.
MILLEDGEVILLE - The Bulloch Academy Lady Gators continued their dominant season by advancing to the Region 4-IAAA tournament championship game with a 42-23 win Thursday against Westminster.
Yakeem Coleman spent the entire regular season working to get his Statesboro Blue Devils into a position to make noise in the offseason, so there was no way he was going to let the fun end after one game.
SAVANNAH - Take it to the hoop. Take it to the state.
MILLEN - The Portal girls caught fire just as the postseason rolled around, but midnight finally struck on their Cinderella run.
With 14 seconds to go in the GISA Class AAA 120 state championship match, it looked like Joshua Bohannon's great freshman season was going to end in disappointment. Bohannon trailed Beau Graydon by a single point and the nationally ranked wrestler was doing his best to stall and run out the clock.
Bulloch Academy fell just short of clinching a second consecutive state title, but still notched an impressive runner-up finish at the GISA Class AAA championships last weekend at Tattnall Square Academy in Macon.
In just 8.9 seconds, the Statesboro girls went from an improbable comeback win and clinching a spot in the state playoffs to sitting at home for the rest of the season.
SAVANNAH - The third time was not a charm for Southeast Bulloch. Rather it was a forgettable nightmare.
MILLEN - The sixth-seeded Portal Lady Panthers shut down No. 4 Wheeler County, 33-27, Tuesday in the Region 3A-A tournmant.
"Our plan doesn't matter, but God's plan does…" is what Terence Hennessey said to his team, the entire Trinity of Sharpsburg team and ...
Unbelievable. Passionate. Heartbreaking. These are just some of the emotions Metter Tigers fans experienced Friday night in the 79th edition of the rivalry with Emanuel ...
"Football is a game of inches" is a popular cliche used by coaches and fans alike, but in some cases is can be a game ...
It wasn't pretty nor was close to any performance Portal put together on a softball diamond in 2016, but it was a win - something ...
While it probably makes him uncomfortable, the storyline surrounding BA's win over Memorial Day last week wasn't about turnovers, field position or unbearable ...
As of 4 p.m. Friday afternoon, the Bulloch Academy football team went through its pregame routine as usual, not suspecting anything out of the ...
In Bulloch Academy head coach Terence Hennessy's first two years on the job, season openers have gone as smoothly as a coach could hope ...
A rainy August has stolen three games from Bulloch County schools, including the opener from Bulloch Academy on Monday.
During the preseason, Portal players haven't been shy about how they think 2017 will go on the football field.
No Tyce Lovett, no Davis Childs, No GC Kimbrell and no Garrett Williams - safe to say Bulloch Academy football will look a lot different than ...
He benches 515 pounds, he squats 685 pounds and runs a 4.95 40-yard dash.
By CHRIS STANLEY
In the last 11 years Chandler Dennard wore a lot of hats in his time at Bulloch Academy - athletic director, director of development, basketball coach ...
We are officially less than three weeks away from the start of high school football season as fall camp is set to begin Monday for ...
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The mission of CIES is to provide leadership in research and education for solving the problems affecting the nation's aging infrastructure.
CIES seeks to be the primary conduit for communication among faculty members on the Missouri S&T campus interested in infrastructure studies through the following mechanisms:
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This property is no longer available.Search for Available Property.
4.3 acres in Jackson County, Mississippi
Executive style home on 4.3 Acres, 3bed,2.5bath, formal living, large family room, office with custom built in cabinets, custom built staircase, cherry finished wood cabinets in kitchen. Three large bedrooms upstairs, all have walk-in-closets with shelving units. Master bedroom is downstairs and is (30x16) with beautiful windows for the sitting area, the master bath downstairs is (16x13) and offers a stand up shower and a hot tub. pecan trees, oak trees, and some fruit trees. There is also a fenced in area off the back of house, Patio area, outdoor cook space, Gazebo, and storage space galore.
Tax Data (Show Tax Data)
Tax data is not available for this listing.
Contact the Seller for more information.
Other Land for Sale in Jackson County
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NOTE: The information contained herein is provided as general information only and has been obtained from sources deemed reliable. It is provided without any guaranty, warranty or representation, expressed or implied, made by Lands of America, or any related entity, as to the accuracy or completeness of the information. The information is presented subject to errors, omissions, change of price or conditions, prior sale or withdrawal without notice. Prospective purchasers should make their own investigations, projections and conclusions concerning the information.


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Butterfly Bead antique gold Pewter lovely detail 14mmx10mm 8pc
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Kwara State University, KWASU pre-degree/remedial programmes screening exercise dates for the 2014/2015 academic session are out.
This is to invite all the candidates who have applied for Kwara State University (KWASU) Pre-Degree / Remedial programmes to a screening exercise scheduled to hold as follows.
Date: Wednesday and Thursday, 17th and 18th September. 2014.
Venue: KWASU Contact Office, along Jebba Road, ( Former JAMB Office. Ilorin
Time: 9:00am Daily
All candidates are to bring along:
- Original and photocopies of their qualifications.
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MSG Team


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New Jersey Hayrides & Haunted Hay Rides
Sleepy Hollow
Located in Newtown
Ready to get scared? Then you won't want to miss Sleepy Hollow this year - with a Hay Ride, Haunted House, Field of Fright, and scary-good bonfire, they've got thrills and chills that are can't miss this Halloween season! At Sleepy Hollow Hayride we have three of the best haunted attractions in Read More
Dracula's Domain
Located in Jackson
Closed today. Next open 9/29/17
Dracula's Domain is New Jerseys' premier Haunted Attraction conveniently located in Jackson New Jersey, next to Six Flags. Face your fears on a horrifying hayride in the dark of the night through 66 haunted acres. If you're lucky enough to survive the ride, walk through the twists and turns of Read More
Scare Farm at Norz Hill Farm
Located in Hillsborough
ScareFarm, formerly Creepy Hollow has three great haunts: Creepy Hollow, a walk through haunted corn trail; Paranoia, also a walk through haunted corn trail and the Slay Ride a Haunted Hay Ride. About the Attractions: The Creepy Hollow story is one of the most complex and darkest parts of the Read More
Night Of Terror at Creamy Acres
Located in Mullica Hill
Closed today. Next open 9/22/17
Located at Creamy Acres Farms, in Mullica Hill, NJ; Night of Terror is the Philadelphia / South Jersey area's premier haunted attraction. 6 Haunted Attractions include 2 haunted houses, award winning Ride of Terror haunted hayride, 2 outside walk through attractions and haunted corn maze. Also on Read More
Reaper's Revenge
Located in Scranton
Closed today. Next open 9/22/17
What lies within the realm of Reaper's Forest? Do you have what it takes to brave a haunted hayride, a dark forest, a pitch-black maze, and the zombie apocalypse? Venture into Reaper's Revenge Haunted Attraction in Scranton, PA, a 60-acre haunt featuring four terrifying attractions and more than 90 Read More
BloodShed Farms Fear Fest
Located in Columbus
Closed today. Next open 10/6/17
BloodShed Farms Fear Fest has 4 attractions for 2017 - Hellsgate Asylum (A mental institution modeled after the 1950's, NEW FOR 2017 are redesigned scenes and more scare actors), Trail of Terror (A 1/2 mile corn trail walk through the Murter family farm house, cannibalistic woods, a slaughter Read More
Field of Terror Haunted House & Hay Ride
Located in East Windsor
Closed today. Next open 9/22/17
The Field of Terror is New Jersey's Largest Haunted Attraction Farm. We own over 120 acres of preserved farmland where we host our annual Haunted Hayride, Field of Terror Cornmaze, and 2 walk-through attractions..The Unknown and Dementia.. as well as our family friendly flashlight maze. This Family Read More
C Casola Farms Haunted Attractions
Located in Marlboro
Featuring the Haunted Hayride Of Terror, The 3D Haunted Barn,The Haunted Wooded Trail, The Living Maze and Zombie Breakout Read More
Night of Horror at V&V Adventure Farm
Located in Shamong
Closed today. Next open 10/6/17
Night of Horror features 4 nighttime attractions The Jersey Devil Haunted Walk Thru Corn Maze (parental discretion advised) The moonlight is your only guide through the 10 foot cornstalks that surround you on a trail that has pure terror around every corner you walk. So what is your worst Read More
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video bolep
video bolep
video bukep
video bolep
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The night was warm but not overbearing and the head holding my hand all naked we went to the pool.
We laughed and my lover friend was with the other two while I was hugging back by my "boyfriend" feeling in my buttocks as its member tended to harden.
My friend piquitos was given to them as he stroked its members under the water, she obviously knew well that it was.
We went out for dinner in very frugal but necessary way, me and my male dried his hands did not deprive any of my pores.
We lengüeteamos delicately and started drying doing the same work with to achieve full erection.
Those of my friend each had a hand on her buttocks and she lowered alternately to savor the lags.
It was the first time in my life I sat at the table to eat naked with others;
I cuddle my male was giving me morsels in her mouth and stuck out her tongue my friend to receive from their mouth pieces of food.
Everything was far from disgust and oddly enough I saw exciting.
We ate quiet laughing, my beloved did not remove my hand from my leg as I stroked his cock every now and then.
My friend got sweet nipples sucked and his friends, followed with a strawberry taken from her vagina that ate the three sharing it in unison.
video bolep
They went to a bedroom and I was alone with bonnet;
I sat on the lap and started kissing so passionately as I fiddled everywhere, had good cock and his stomach was me between nasty and perverse so hairy.
His dick to handle and we got to besándosenos foot;
He took my hand and led her to her to pajearla, took me by the neck and started me down until I was with my mouth against that hard and full of veins nerve;
I closed my eyes, opened my mouth and put it inside. I tried to suck gently and passion but it was hard, I did not know, I separated the face saying
-Angelito To do with the tongue, with the tip Is the first dick you suck?
Do not be bad daddy teach me, but I do not.
If so bebita tongue around now like a lollipop slowly daddy takes your mouth.
I spent a few minutes being caught by mouth before his gasps and movements; and I liked its taste when it became savor the balls and totally lost the scrubbed my face
Daddy, daddy do me whatever you want, degenérame please.
I got up to hug me and start walking toward the bedroom.
On the way he motioned for silence and peered into a room, there she was with a man's face between her legs while the other put his cock in the mouth.
Changing the position and until you put the two dicks in the mouth, we go way to the bedroom, I picked her depositing me in bed with silk sheets counterbalancing the color of my skin.
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He sent me the tongue in the mouth sinking a finger into my pussy and another in the ass, I cringed listening to his quiet chanchita.
Daddy will you teach-and did something that I despaired.
He pulled his fingers inside me and brought his mouth pondering the taste of my flows and ass.
I began to suck the shell, as was the first man but how would believe me? I began to jerk off with your tongue and do not know how his cock enter my mouth, it was turned 69.
Suddenly me and lowered his tongue down my back to open my buttocks with her.
-No Please. Said.
I rolled onto his side still suck ass and I knew came to my unbeaten. He dug me with his finger, he asked me to relax and started, it was too hot but just asked for pity not to do;
He did not answer me and I wanted to just pushed out of his hands and his legs tangle but kept moving until I felt the butt with my buttocks and my ass as seethed.
It moved slowly pace and strength when I took pear and made to look large mirror.
There he was surrounded by his arms and legs escape and laughed with his fatness whispering victorious
It's brand new mommy, cute, that idiot who do not broke it. Now I'm going to use to get tired. That divine my fucking ass broken.
He filled it with milk and I was crying with a slight whine but dropping tears in bulk.
Son of a bitch, I hate you Who do you think you're ,? You're not going to see anymore.
She stroked my shoulder kissing my cheek.
video bolep
Shut up Yeguita divine, not yet you broke it well, I will say when I stop to catch you.
I drooled neck and kept crying, not whether it was guilt, nostalgia or because basically this man who had bought me, I had become dependent.
I felt his tongue panting and neck and ear; then I knelt there holding my neck to bring my mouth to his cock and when I knew it did not get to close the same and part of his cum went to my throat and the rest hit my face.
I had no time for disgust, just swallowed that bitter taste salty tears cayéndoseme again;
He is trying to hit him and took my wrists leaning back in his chest while asking to let me go that I was leaving and he just said 'No,
you came into my ground and curious'll have to investigate everything.
The pay was more than excellent.
My lesbian lover called me very occasionally and it was just to be with her.
With that old I got good money and get the part that had kept deep inside me,
I hated it, I sickened but needed to the point that six months pregnant my husband was going to sleep with him and once his friends pajearon I grabbed watching paunchy and usually until the end of his perversions were orinarnos each other.


text: Career Center Employers? Post Jobs and More Job Seeker Sign In Home Jobs Your Profile Resources Your Account Job Seekers Sign In New Job Seeker? Sign Up Overview Your Saved Jobs Your Job Alerts Your Profile Your Documents Your Applications Help Welcome to AAPD Career Center Search Browse Explore Your Job Alerts Your Saved Jobs 0 Return to Search Results Postdoctoral Scholar Oregon Health and Science University savedJobs Apply Now Continue To Application The application opened in a new tab. By using this feature you agree to our Terms and Conditions and Privacy Policy. Details Posted: January 23, 2017 Location: Portland, Oregon Salary: Open Type: Full-time - Experienced Employment Type: Full-time Organization Type: Higher Education Institution This position is required for the project focusing on immunomodulatory effects of combination strategies using therapeutic antibodies against Multiple Myeloma. Appointee will work on a project focusing on checkpoint signaling role in Multiple Myeloma tumor microenvironment using patient bone marrow samples Duties include working with cell lines and primary cell isolation and culture, flow cytometry and FACS sorting and analysis. This position will work on an independent research project as well as closely with researchers in support of multiple projects with multi-parameter flow cytometry/cell sorting and immune function and phenotyping. General responsibilities of this position will include processing and manipulations of bone marrow aspirate and peripheral blood samples of patients with plasma cell malignancies and healthy individuals. Required Qualifications: Ph.D. degree with at least one-year doctoral training in immunology, molecular biology, or relevant field Ability to prioritize multiple tasks at one time Must have excellent communication, analytical and organizational skills: both written and verbal Ability to work independently and as part of a team while being collaborative in resolving problems Must be proficient with computers running Windows applications e.g. MS Excel, Outlook, Access, Word and PowerPoint). Typing 60wpm Must have demonstrated excellent customer service skills both on the phone and in person Must possess energy and drive to coordinate multiple projects simultaneously Ability to use tact and diplomacy to maintain effective working relationships Able to perform the essential functions of the position with or without accommodation Preferred Qualifications 3+ years of flow cytometry experience and strong knowledge of BD machines including FACSAria and LSRFortessa Minimum of 3 years of experience performing FACS based analysis of hematological cell populations Comfortable developing and running 6+ color panels Ability to coordinate multiple projects simultaneously Strong ability to evaluate data for quality and troubleshoot data acquisition issues Hands on experience with cell culture (cell lines and primary cells) Proficient using FlowJo and DIVA software and data banking Internal Number: IRC56671 Send Me Similar Jobs By Email About Oregon Health and Science University As the state's only health and research university, OHSU brings together patient care, research, education of the next generation of health care providers and scientists and community service to improve the health and well-being of all Oregonians.The university is a conduit for learning for more than 2,800 students, providing training to interns, residents and fellows in postgraduate medical and r...esearch. It is the only place in Oregon that grants doctoral degrees in medicine, dentistry and nursing. OHSU cares for more than 251,000 patients each year from around the region and takes a leadership role in contributing to solutions involving the health of the state and the nation, such as health care access and transparency, ethics and workforce shortage. Beyond providing critical health care services, quality education and cutting-edge research, OHSU also is a key economic and social force in the Northwest. With an annual operating budget of $2.06 billion and more than 14,000 employees, OHSU is Portland?s largest employer. Its size contributes to its ability to provide many services and community support activities not found anywhere else in Oregon. For more information visit http://www.ohsu.edu/xd/about/index.cfm Show more Show less View All Oregon Health and Science University Jobs Back to top Help is on the way! We're sorry you are having trouble applying for this job. Please try loading this job using the following link before submitting your help request: Name: Email: Please provide details: Submit Help Request Error Close Continue


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Rolex Swiss ETA 2836 movement, marked red bicolor diamond brand
Audemars Piguet Audemars Piguet Royal Oak Offshore Chronograph Swiss Valjoux 7750 Movement PVD Case with Orange markers - Leather strap
Omega Constellation Double Eagle Working Chronograph PVD Case with Black Dial-Rubber Strap
Rolex Watch is a great watch
While browsing in virtue of watch sites we found a page at watchesinfo.org that, among other things, lists what buying a replica Rolex watches really says about a person. Ironically, some of the things that her say about replica watch buyers can be applied to the people who purchase luxury Rolex watches.


text:
An Ocean County man was killed when the FedEx delivery truck he was driving on the New Jersey Turnpike in Woodbridge Friday struck three other vehicles that had been stopped for an earlier accident, State Police said today.
State Police spokesman Sgt. Julian Castellanos said the truck driver, Paul Kelly, 41, of Manahawkin was traveling in the right northbound lane near mile post 94.5 at about 11:30 p.m. Friday when his box truck crashed into the three vehicles, struck a guard rail and flipped.
Kelly was pronounced dead at the scene at 12:45 a.m. today, Castellanos said.
In the previous accident, which happened a few minutes earlier, a 2003 Honda Accord driven by Soraya Amin, 22, of Bayonne, crashed into the back of a tractor trailer. That truck was driven by Carl Young Jr., 41, Iselin.
A third vehicle, a 1998 Ford Expedition, stopped to help. Three of the occupants got out of the Expedition to direct traffic around the accident and assist the injured, when the SUV was struck by Kelly's truck, Castellanos said.
Three people in the SUV were taken to University Hospital in Newark. They were: Lorena Calderon, 36, of Fairlawn, along with her children, Ariana, 6, taken by ambulance and Emilia, 8, who was taken by air. Their conditions were unknown tonight.
Neither Amin or Young were injured, Castellanos said.
I hate hearing these stories. After 17 years in the business, I have never had a driver killed while working. I pray that it never happens. Be safe out there drivers. Especially you guys out there at night.
Saturday, July 19, 2008
FedEx courier driver killed on New Jersey Turnpike in Woodbridge
Posted by JetStar Courier at Saturday, July 19, 2008
Labels: car accident, fedex
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text: Hi folks, I'm working on htdig for the first time and have a few questions. I've hunted around the FAQs and don't think there are answers to these, but apologies if I missed something. (i) Search results will include files such as "Index of /documents/itnet" if any of the search terms happens to be also included in the name of a file in such a directory. Is there any way of eliminating these sorts of returns? (ii) Is there any way of asking it to return "all files" as a result? This would be particularly useful for where I work as we are divided into many projects. I've set up a restrictions/exclusions menu so people can search only within a project's archive space, but it would be great to be able to list, for example, the last ten files by a project. Simplest way to do this on other systems I've used would be to search for all documents in the relevant area and list them by date. I can do the "relevant area" and "by date" parts in htdig, but not the "all files". Is there an easy solution? For background, I work in a small research institute in Sweden and we are using htdig to create a central archive of documents we have been working on. Thanks in advance for any help. Cheers, Richard


text:
Everything happens the same untill here (it takes place during the battle with Raditz).
Piccolo= Hold him off I'm going to use my super awesome mega extreme new attack I was saving for you.
Goku=Really? Could it beat me?
Piccolo=Yes a thousand times. NOW SHUT UP!
Raditz=I agree with the Green LOSER.
Piccolo=What was that? OH IT'S ON NOW SPACE NERD!
Goku=Should we really be fighting?
Piccolo and Raditz=YES!
Piccolo= Now shut up and hold him off. OTHER SPACE NERD.
Goku=OWOWOWOWOWOWWOWOWOWOOWOWOWOWOWOWOWOWOWOWOWOO Stop hurting me GEEK.
Piccolo=Goku get in a full nelson
Fires special beam cannon
Piccolo=Now DIE both of you
Goku=Am I dead? uhhhh what happened?
Piccolo=It's a twizeler Goku
Piccolo=I have an idea.
Starts whipping Raditz with it
Raditz= Fine I'll leave,but I'm taking Kakorot. Oh and 2 more saiyans are coming bye.
Piccolo=Fine We'll just wish him back hear. OH and Goku is it ok if I take your son
Goku=hhhhuuuuuuhhhhh what I can't hear you
Piccolo=I'll take that as a yes. MWAAAAHAHAHAHAHHAHAHHAHAHHAH I will rule the world with his son.