Archive for November, 2007
Wasilla Dinner Theater
Posted by admin under: Main Nov 30Last night was 
opening night for the Christmas Carol at the Valley Bistro in Wasilla. It opened to a full house in the Teeland Building. The historic building was a perfect setting for this dinner theater.
People who know me understand that I usually go in for camping, hunting, and fishing for my leisure activities but I admit that I thoroughly enjoyed this play.
Because of the intimate setting you feel almost as if you are in the Cratchit’s dining room watching their Christmas meal.
The dinner was also very good. Grace enjoyed her prime rib dinner and I had grilled chicken. I’m not sure if the same menu is every evening but halibut was also available as an entree last night.
It was very well acted by the whole cast and especially by the director AJ Seims who also played Mister Scrooge.
The dinner theater will be every Thursday, Friday, and Saturday night between now and Dec 22, 2007. Buy tickets at the Valley Bistro or call 357–5633 for more information. If you are interested you might want to buy your tickets soon. This same play was offered last year and sold out for the season fairly quickly.
For more information visit the Triumvirate Theatre website.
Source: Wasilla Dinner Theater
Blood Donor Facebook App: Social Networking for Social Good
Posted by admin under: Main Nov 30
Ah, those Facebook applications–Vampires. Zombies. Super Pokes. Drinks. Social networking there still has that party feel. Well, maybe it’s time to squeeze in a little “social good”? Enter Rich Hecker.
Rich has an idea for a Facebook application to sign up blood donors. We think it’s a good idea, so we’re giving it some blog press. If you like the idea too, spread it. Good luck Rich.
Here’s the story:
Out of a lunch today spawned an idea I’m running with. There is a huge issue in this country with logistics in regards to finding emergency blood donors. We are building a non profit to focus around a facebook app & website to allow people to sign up as emergency blood donors to receive alerts via phone / email / rss / SMS if they are needed. I think this could be an amazing way to help the country. I’ve already started reaching out to all of my contacts hard and have gotten some great feedback. I’m sure there will be issues but it’s simple enough and we think it will be very positive. We are looking for anyone that would be interested in volunteering or donating, time or money. Developers would be nice. Pro bono preferred though we could also pay if we find the right person. This whole thing started literally out a joke about “Facebook Vampires” a few hours ago but i’m running full court press with this. It’s more important than anything else i’m working on. Please contact me if you want to get involved.
Sincerely yours,
Richie Hecker
Chief Bootstrapper, Bootstrapper.com
Direct 347.385.7865
Fax: 877.678.3346
Email: Rich@Bootstrapper.com
AIM: WhoIsRichHecker
Speaking of which, who am I? www.RichHecker.com
Technorati Tags: facebook, social networking. social good, social media, rich hecker
Source: Blood Donor Facebook App: Social Networking for Social Good
If You Have An Adjustable Rate Mortgage, There Is A 45% Chance Your Lender Owes You $1,500 Or More
Posted by admin under: Main Nov 30If you have an ADJUSTABLE RATE MORTGAGE, there is a 45% chance your lender has been miscalculating your interest, and owes you $1,500, or more!
Adjustable rate mortgages (ARM’s) were introduced in the United States over 25 years ago, and since their inception, mortgage lender’s have constantly added new, and supposedly improved ARM products. Lenders do this for a number of reasons, but the main reason is that lenders add new products so they can sell more loans.
Now, although ARM’s serve a vital place in real estate finance, there is one major drawback that the public is just now learning, the lender often makes mistakes on calculating interest, resulting in overcharges to the mortgage holder.
Until now, there was really no way for a homeowner to “audit” their mortgage for mistakes. That has all changed. There is now a company that serves this much-needed nice of mortgage finance.
Why are there mistakes on ARM’s?
There are number of reasons, but the main reasons are:
1) Most loans that are originated are sold to other investors between one and three times. Each time the loan is sold, there is a chance for more errors. Humans have to input data in a computer, which leaves room for error
2) ARM’s have adjustment periods when the interest is adjusted, some monthly, some every 6 months, and some every year. here is where the majority of mistakes are made, in the adjustment of the interest rate.
Listen to what the former New York State Attorney General, Robert Abrams had to say on the subject “If you have a mortgage, there is a 50/50 chance that, by fraud or incompetence, your bank is overcharging you”
~New York State Attorney General - Robert Abrams
According to mortgage and banking “watchdogs”, mortgage industry overcharges occur in an estimated 47.5% of all Adjustable Rate Mortgages (ARMS) and cost Americans over $60 billion.
Information substantiated in independent audits by the F.S.L.I.C and the General Accounting Office confirms that almost 50% of ARMS have errors and overcharges to homeowners.
Want some more fascinating statistics that are sure to anger you?
The bottom Line? Don’t trust that your bank or mortgage company’s figures, have your mortgage audited by a professional for mistakes.
The best known mortgage auditing company is The Adjustable Rate Mortgage Police, located at http://www.armpolice.com
Donald Timms is Founder and President of the Adjustable Mortgage Rate Police, located at http://www.armpolice.com Donald is also Branch Manager of Equipoint Financial, a mortgage banker/broker that originates over $1 Billion dollars annually.
Original here
Source: If You Have An Adjustable Rate Mortgage, There Is A 45% Chance Your Lender Owes You $1,500 Or More
Credit Repair Gone Wrong - Why Common Tactics Can Shut Down Future Success
Posted by admin under: Main Nov 30I would estimate that you could summarize the teachings of about 80-90% of the credit repair kits, and guides with the following, very flawed plan:
Start by ordering your credit reports. Identify all the negative items on your credit reports and write letters of dispute claiming all the negative accounts as “not mine”. Then mail everything certified mail, return receipt requested to the credit bureaus. Wait 30 days, and repeat the process.
Sound familiar? I know it does, because I have the evidence of many “resources” teaching just that. They may not be as blatant, or without filler fluff, but cutting through all the fog, that’s their primary strategy.
So let’s take some time to see where the flaws lie, and what you can do to really guard your efforts.
Regardless of the potential harm it could present to your credit repair efforts that I’ll explain in a moment, there’s a real breach of integrity claiming that something is not mine, when in fact it may be a valid account. Don’t get me wrong here, principally, I’ve always been troubled that a credit bureau makes their money by keeping my personal payment habit records, and then sells my information to lenders and employers. It just doesn’t sit right, however seeing that it’s a legal business, that just gives me the motivation I need to make sure they have every finite detail, 100% correct. That’s our right. But let’s not compromise our integrity in the process. In fact, the next point will show you why that will pay dividends in the end anyhow.
Under the Fair Credit Reporting Act, the credit bureaus are forced to investigate your disputes with the reporting creditor in order to maintain a fair and accurate record of your payment habits. However, they are left one, very important loophole. Specifically, they are given the right to deem a dispute as “frivolous” and save all the time and money associated with investigations. Let’s face it, it certainly doesn’t take a rocket scientist to figure out that “ironically” all the negative accounts on your reports are erroneously being reported as “not mine”. There’s probably no faster way to cause your dispute letters to “step-forward” and identify themselves as “frivolous”.
If a dispute comes back as “remains” or “verified” that the account was in fact yours, why would they then re investigate the account at a later date when you claim that “you were never late”? Its just another way to flag your dispute as frivolous. Regardless of any future dispute reasons you may have on an account you previously claimed as “not mine”, you will likely agree that it may appear on the surface to be just an attempt to improve your credit rating, rather than making sure you have an accurate credit report.
While the generic “not mine” dispute is so popular in many guides, kits and even services, one way to distinguish a quality product or service is to ask “how” they recommend to dispute your accounts.
In my Credit Repair Truth Blueprint course and videos, I teach students how to find real errors in the reports, and how to formulate a specific action plan for each trade-line. Look for products or services that would preserve your integrity, and you’ll likely find a more effective product in the end.
If you want to raise your credit score through a new cutting edge customized technique, then see “Tim Irish’s Credit Repair Truth Blueprinting System!” Just released, this instantly accessible package including streaming video walk through will show you how you can create a killer credit repair strategy that is personalized to your unique credit files. Credit Repair Blueprinting is starting to sweep the nation! Check it out here and grab a FREE report: http://www.creditrepairtruth.org/tim/index.html
Tim Irish - Credit Repair Expert Author/Owner http://www.CreditRepairTruth.org
Original here
Source: Credit Repair Gone Wrong - Why Common Tactics Can Shut Down Future Success
Get The Most Convenient Loan With No Credit Check Cash Advance Loans
Posted by admin under: Main Nov 30Bad credit history is one of the major reasons that may restrain a person in getting loan from any renowned bank or financial institution. Though getting loan is a good idea for dealing with urgent financial needs but in case of bad credit history, a borrower can suffer a lot due to long credit check procedure. Not only this, he or she can also face a situation of disapproval of loan as no lender would like lend loan to such a person who is already struggling to repay his previous loans. Few people feel that they are no longer able to access any financial resource as they possess a poor credit history; to help such people with finest financial advantages, many banks are offering no credit check cash advance loans so that they may also get rid of their financial problems.
Such banks believe that good people can also have bad credit record therefore, no one should be left helpless and without money. Therefore, if you are one of those good people who have got trapped in cycle of bed debts and all banks are rejecting your loan applications then throw your all worries aside and apply for no credit check payday loan with any reliable lender. Today, many banks and financial institutions are offering their clients with such loan schemes so that every client may get a chance to repair his or her credit. Such lenders are very flexible with their terms and conditions and do not demand any security or credit clearance report; with their help you can meet all these expenses that have suddenly appeared at the eleventh hour.
No credit check cash advance loans are simple and quick to obtain therefore if a person has any instant money requirement, he or she may arrange sufficient cash within few hours. With these loans, one can pay-off his or her due bills or can meet many household emergencies; there is not any such criteria regarding usage of loan amount therefore it can be used according to the requirement of the borrower. All payday loans are short term loans therefore always make sure that you return the loan on time since making delay in repayment can charge late fees and extra interest. Though you will always borrow a sizeable amount only but it is always advised to consider installment amount and repayment features before applying for any loan.
At the present time, finding a reliable lender is not easy as the market is crowded with lenders who claim to offer best loan facility to all type of borrowers. Therefore to avoid frauds and wrong deals, it is better to do a little market research before making any decision over selection of lender. It is must for every borrower to have an idea about market interest rates and available offers so that the best deal may be attained. Therefore, analyze every aspect and apply for no credit check cash advance loans with lender who is offering best schemes and cheapest rates on your loan.
Andrew Dawson is a financial expert and has expert knowledge in financial issues like Cash advance loans, Cash advance payday loans, No credit check cash advance loans, Fast cash advance loans. For more information, you can log onto http://www.cashadvanceloansuk.co.uk
Original here
Source: Get The Most Convenient Loan With No Credit Check Cash Advance Loans
No Fax Payday Loans - Get Cash Without Any Paperwork
Posted by admin under: Main Nov 30No fax payday loans have emerged as the best solution when you are in urgent need of money. No other instrument can provide you money faster than these loans. This is exactly why these loans have outperformed all other options in this regard. Easy availability of these loans is another factor that adds to the popularity of these loans all round the globe.
Paperless Process
The most impressive feature of no fax payday loans is that paperwork is completely eliminated. There is no need to look for old records to find out pay stubs and bank statements. Fax machine has no role to play in the process of availing these loans, as lenders do not ask you to send any documents. Most of the people find it irritating to do the unnecessary paperwork particularly when they are already facing a financial emergency. By doing away with any such need, lenders have made these cash advances a favorite choice among borrowers.
However, you have to make some efforts to find out a lender because every lending institute do not offer faxless payday loans. The best place to perform your research is on Internet. You can compare the rates, terms and conditions and other features offered by various lenders on web and make a decision accordingly. In fact, selecting the right lender is crucial. Once you submit your loan application, rest of the task is taken care by the lending institute itself.
Duration Of Loan
Most of the companies let you use this money for up to two weeks. In real life situations you do not need to borrow a payday cash advance for more than this period. If an unexpected expenses pops up in the first half of the month, you can manage it easily. It is only in the later half of the month when you have to look for an outside help to deal with an emergency. You can pay off urgent bill immediately with the help of no fax payday loans and repay the loan amount on your next payday.
Rishabh Sogani has been writing articles on various topics for more than two years. You can get your FREE copy of Payday Loan Ebook and see more of Rishabh’s articles on payday loans on his website at Easy Payday Loans located at http://easypaydayloans.googlepages.com/
Original here
Source: No Fax Payday Loans - Get Cash Without Any Paperwork
Is it a good time to Buy a House?
Posted by admin under: Main Nov 30
Many in the housing and mortgage industry are predicting house price falls for 2008. Therefore, many prospective house buyers may be worrying whether it is best to wait before buying. These are some of my thoughts about whether now is a good time to buy a house.
- Are you buying as an investment or are you buying to live in the House?
If you are buying as an investment then now is not a good time. It may take several years to see significant capital gains. However, ff you are buying to live in the house does it matter if house prices do fall? Suppose you have to move in 5 years. If your house has fallen in value, so will all the other houses. It is the same with rising house prices. People notice that house prices have increased in value, but, that doesn’t necessarily make them better off because it is more expensive to buy another house. Therefore, a potential fall in house prices shouldn’t preclude buying a house.
The main problem of falling house prices occurs if you get a 100% mortgage and hope that rising house prices will give you an effective deposit.
- Falling House prices could make mortgage payments cheaper.
If house prices do fall in 2008, I would predict that interest rates will be able to fall by upto 1%. This is because a fall in house prices will reduce consumer spending. In turn, this will reduce inflationary pressures, therefore, the MPC is able to cut interest rates without stoking up inflationary pressures. Therefore, if house prices do fall it is likely that monthly mortgage payments will become cheaper. To most homeowners the monthly repayments have more immediate impact than the value of the house.
- Buying a House is Better than Renting.
A mortgage payment is fixed for 30 years (apart from fluctuations in interest rates). Therefore, if you pay £700 now, 30 years from now, the mortgage will also be £700 (assuming long term interest rates stay the same - It could be more or less). However, if you rent for £700, the cost of renting is likely to go up by at least the rate of inflation. Therefore, if renting costs £700 now, 30 years from now you could be paying double that. Furthermore, after 30 years or whatever your mortgage term is, you will not have to pay anything. This is a big investment for the future. The sooner you buy a house, the sooner you will be able to live rent free in the future. See buying a house as a similar investment to getting a pension.
- House Prices were predicted to fall in 2002
Many people have been predicting the imminent collapse of house prices since at least 2003. Since then house price have doubled. Don’t forget the main reason for house prices rising in the UK is a shortage of supply and rising demand. This economic fundamental is unlikely to change in the near future.
Are you a first time buyer, wondering whether to buy? We would be interested in your views about whether now is a good time to buy.
Related
- Are UK House prices set to drop?
Source: Is it a good time to Buy a House?
Mini Storage Tip
Posted by admin under: Main Nov 29Did you know that some people pay more per square foot for mini storage than they do their apartment.
This is one for example:
If you are a developer, this could be good. Why this one?
1- It is near a University.
2- It has mostly small units, even 5 x 5’s cut in half so there is a unit on top and a unit on the bottom.
If you are a student you would use this as a safe harbor from dorm buddies, right?
I used one this size as an emergency cash storage place. It came in handy one time.
Source: Mini Storage Tip
What Could Google’s New Collaborative Maps Do For You?
Posted by admin under: Main Nov 29Google Has Two New Map Features: Terrain Maps and Collaborative Maps.
The terrain maps will certainly be of benefit to anyone who needs to present a topographic lay of the land, but the collaborative maps feature may prove to be an even more useful tool. The ability to create your own custom maps has been available from Google maps for a some time now, but these new collaboration features may result in greater benefits. Collaboration creates conversation. Invite your readers to share their favorite restaurants, places to hike, etc, and give anyone who stumbles on your map the right to add their favorites. And be sure to get specific with the map, as they do in the example in the Google announcement linked above. Or, you could decide to simply collaborate with others in your office to control the content and show off your local knowledge.
The map below was created to test the collaboration tools. I’ve shared collaboration rights with two cousins and an uncle, and they can invite others to collaborate as well. The map is embedded here and interactive, so click on the icons and see how it all works.
Grafton, WV: Places To See, Things To Do
View Larger Map
If you have ideas about how to use these new collaboration features, don’t be shy. Share!
Source: What Could Google’s New Collaborative Maps Do For You?
Bank of America Expands Government Lending Push
Posted by admin under: Main Nov 29Bank of America announced today that it will launch a second government loan processing fulfillment center in Dallas to accompany its existing operations in Jacksonville, Florida.
The loan center will provide jobs to about 150 employees who were formerly working in the bank’s wholesale fulfillment operation, which is coming to a close at year-end.
“We will leverage the knowledge and skill of our Dallas-based wholesale associates to help the bank manage the strong growth in demand for our FHA and VA loan products,” said Bob Griffith, Bank of America Mortgage Fulfillment executive.
“Texas is our strongest market for government loan programs, and we are thrilled to have the opportunity to grow our business there.”
Bank of America expects its production volume for FHA and VA loans to rise to nearly $2 billion in 2007, more than double the volume it achieved in 2006.
Most banks and mortgage lenders recently turned their attention to government-backed loans as investor demand for jumbo loans and other seemingly high-risk loans continues to dry up.
“The dislocation in the subprime market has sparked renewed enthusiasm for FHA & VA loan products across the nation,” said Allen Jones, Bank of America’s Government Lending executive.
“Government loan programs provide many borrowers with benefits over other programs since the loans are insured by FHA or guaranteed by the VA.”
Bank of America said applications for government loan programs have risen to about 18 percent of total volume in the retail sales channel, up from the low single digits a year ago.
“More than 80 percent of government loans are provided to first-time homebuyers,” Jones said. “With recent successful efforts to simplify the government loan process, we expect continued growth as more home buyers recognize the value and security of FHA & VA loans.”
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Source: Bank of America Expands Government Lending Push