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When you first took the sales job that you currently have you thought that you were set for life. However, you soon found out that because you doubled your production in sales and exceeded what management thought you would dothey cut your commission percentage in half. Now you have to work twice as…
The music video was inspired by three quotes. One from Stairway To Heaven, another from The Book Of Daniel and this one:“Last night I had a dream,a most amazing dream.I was hunting zombies.It was my favorite dream ever!” — Chris 1210:02:16 May All Your Dreams Come True Video [.mpg] LYRICS by…
If you were to ask my opinion, I would have to say yes, at least more sense than I used to make, back when I didn’t write any of this stuff down. You see folks, here is the problem, I should be out there working, to much time spent thinking at home. Don’t get [...]
The Alternative Minimum Tax attempts to ensure that anyone who benefits from certain tax advantages pays at least a minimum amount of tax.Here are seven facts the Internal Revenue Service wants you to know about the AMT and changes to this special tax for 2009.1. Tax laws provide tax benefits for…
Colder-than-normal U.S. temperatures in January, particularly in the Southeast, drove up the use of electric power and natural gas, according to DOE’s Energy Information Administration (EIA). In the South Census Region, where about 60% of households use electricity as their primary space heating…
A couple of years ago I gave my Dad grow lights for Father’s Day. He had mentioned to me that he wanted a garden, but living in a gated community there was not the appropriate amount of space on his property to do so. He started to create an indoor garden comprised of herbs and [...]
Washington, DC — American Petroleum Institute President Jack Gerard held a media teleconference with reporters in which he made several inaccurate statements regarding the Administration’s development of oil and gas resources on public lands and in the Outer Continental Shelf.“Mr. Gerard needs…
WASHINGTON, D.C. – Secretary of the Interior Ken Salazar and the Director of the Bureau of Land Management Bob Abbey testified on “The deployment of solar technology on the public lands” before the Senate Environment and Public Works Committee. The text of Secretary Salazar’s prepared…
93. WHAT IS A 203(b) LOAN?This is the most commonly used FHA program. It offers a low down payment, flexible qualifying guidelines, limited lender’s fees, and a maximum loan amount.94. WHAT IS A 203(k) LOAN?This is a loan that enables the homebuyer to finance both the purchase and rehabilitation…
88. WHAT IS MORTGAGE INSURANCE?Mortgage insurance is a policy that protects lenders against some or most of the losses that result from defaults on home mortgages. It’s required primarily for borrowers making a down payment of less than 20%.89. HOW DOES MORTGAGE INSURANCE WORK? IS IT LIKE HOME OR…
Talk to your lender about specific loss mitigation options. Work directly with him or her to request a “workout packet.” A secondary lender, like Fannie Mae or Freddie Mac, may have purchased your loan. Your lender can follow the appropriate guidelines set by Fannie or Freddie to determine the…
66. WHAT IS THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT?Also known as HUD, the U.S. Department of Housing and Urban Development was established in 1965 to develop national policies and programs to address housing needs in the U.S. One of HUD’s primary missions is to create a suitable…
61. WHAT HAPPENS AFTER I’VE APPLIED FOR MY LOAN?It usually takes a lender between 1-6 weeks to complete the evaluation of your application. Its not unusual for the lender to ask for more information once the application has been submitted. The sooner you can provide the information, the faster…
54. HOW DO I CHOOSE THE BEST LOAN – PROGRAM FOR ME?Your personal situation will determine the best kind of loan for you. By asking yourself a few questions, you can help narrow your search among the many options available and discover which loan suits you best. Do you expect your finances to…
47. WHAT STEPS NEED TO BE TAKEN TO SECURE A LOAN? The first step in securing a loan is to complete a loan application. To do so, you’ll need the following information. Pay stubs for the past 2-3 months W-2 forms for the past 2 years Information on long-term debts Recent bank [...]
33. WHAT IS A MORTGAGE?Generally speaking, a mortgage is a loan obtained to purchase real estate. The “mortgage” itself is a lien (a legal claim) on the home or property that secures the promise to pay the debt. All mortgages have two features in common: principal and interest.34. WHAT IS A LOAN…
United Nations, New York, NY — Saving the world’s myriad diverse species, which are being lost to human activity at an unprecedented rate that some experts put at 1,000 times the natural progression, is vital not just for environmental reasons but for the economic well-being of humankind, a…
The organizers of the Winter Olympics that kicked off this weekend in Vancouver are hoping to stage some of the greenest Games ever, thanks to a partnership with the United Nations Environment Programme (UNEP).For the past three years the Vancouver Organizing Committee (VANOC) and UNEP have worked…
A music festival featuring 30 Seconds To Mars, AC/DC, Them Crooked Vultures, Deftones, Stone Temple Pilots, Bullet For My Valentine, Megadeth, Motörhead, Wolfmother, Volbeat, Aerosmith, Rage Against The Machine and many more. June 11-13, 2010 Donington, Derby, UK
From time to time, I am asked to speak at various functions or events. I always try to get an idea of what type of audience I will be speaking for so that I can make the speech apropos for the audience. I do this so that I can more precisely “hit the mark” with [...]
There is a “pump and dump” circulating about “The $59 Computer”. A pump and dump scam usually happens with penny stock trades. A stock that sells for pennies is purchased and hyped by a “research” firm. When the price goes up from the fraudulent hyping, the originator of the scam sells…
Birdland Music And Recording in Lansdale, PA is run by Baird Parker, son of Charlie Parker, Jr.Charles “Bird” Parker was born August 29, 1920 and died March 12, 1955. Charlie was an American jazz saxophonist and composer and is still one of the most influential musicians. He was given the…
YOU’VE FOUND IT… WHAT IS NEXT?19. WHAT DOES A HOME INSPECTOR DO, AND HOW DOES AN INSPECTION FIGURE IN THE PURCHASE OF A HOME?An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will…
FINDING YOUR HOME7. WHAT SHOULD I LOOK FOR WHEN DECIDING ON A COMMUNITY?Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and…
As the molten METAL cools, drop lets of condensation form, WATER falling, flowing into the EARTH, nourishing the EARTH, growing the WOOD that will fuel the FIRE, completing yet another cycle. I met a girl who was from Macau, I’m old, she’s young, in spite of this, we still found stuff to talk…