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Contemporary Chandelier Lighting The …

admin — Wed, 22 Feb 2012 07:16:38 +0000

The purpose of chandeliers in the past had been only to offer support for candles. This is completely contrary at present due to the fact that a lot of people take advantage of chandelier lighting within their houses. Contemporary Chandelier Lighting is however totally different from the particular traditional chandeliers. The lighting features of the chandeliers today produce an amazing atmosphere that greatly varies from those of the traditional styles. In the past, chandeliers are mainly used to provide lights and evidently offers only such function without additional lighting series or styles. The Contemporary Chandelier Lighting is mainly installed in houses and offices to bring a warm feeling and transform the entire appearance on the room.

Outdoor Kitchen For …

admin — Tue, 21 Feb 2012 07:08:46 +0000

For serious home cooks in Denver and Vail, one of the great pleasures of summer is being able to move into your outdoor patio area and be able to prepare meals outside. Not only is it cooler to work outdoors rather than in a hot kitchen, but it is also more enjoyable because you can revel in your garden flowers, outdoor seating and friends that you invite over to share your wonderful meals. The best way to accomplish this is to add outdoor patio kitchens from Home and Hearth Outfitters to the yard area. Home and Hearth Outfitters can help you design and build a custom Outdoor Kitchen, in addition to supplying the most respected brands in Outdoor Kitchen equipment available.

Byron Bay Nestled …

admin — Mon, 20 Feb 2012 07:01:20 +0000

Nestled on 120 hectares of rolling green fields between and Brunswick Heads, Tyagarah was an amazing host for the venue this year which saw about 15,000 festival go-ers past through the gates each day and over 6000 people camp for the weekend. The festival first began in 1990 at the in Byron Bay Accommodation, now a , and quickly became known as the “The “. The Bluesfest to this day remains one of Australia’s most acclaimed and respected festivals and has been inspirational for many other festivals around the world.

Ipad Application Development Simple …

admin — Sat, 18 Feb 2012 07:30:51 +0000

Simple packages with a set development fee Fast turnaround on your project A team skilled in application development for iPad The latest technology and tools to make your iPad project a success Best practices Ipad Application Development Sydney process Software documentation for 100% portability & maintainability Complete bug and error testing protocol 100% Customer Satisfaction

Perfume You …

admin — Fri, 17 Feb 2012 07:25:13 +0000

You can get more information on , as well as the newly created . Of course, Perfume City has it all , which leads us to the next nugget of information which is… Be sure to give Nocchi your warmest birthday wishes as she turns 23! Sheâ??ll be very pleased to receive all of your congratulations and good will, unless you plan on covering her legs with your coat..

Skylights Prior …

admin — Thu, 16 Feb 2012 07:17:46 +0000

Prior to the trade mission, South African supermarket chain Pick n Pay had been looking for ways to cut down on electric lighting costs by using more natural light. However, the company had ruled out Skylights Australia because of concerns about heat gain, glare durability and waterproofing. Additionally, Pick n Pay management had never seen Skylights Australia installed, making them a risky investment.

First Aid R …

admin — Wed, 15 Feb 2012 07:11:41 +0000

R est, I ce, C ompression, E levation First Aid for strains, sprains, contusions, dislocations, or uncomplicated fractures Rest Stop using injured part Continued activity could cause further injury, delay healing, increase pain, and stimulate bleeding Use crutches to avoid bearing weight on injuries of the leg, knee, ankle, or foot Use splint for injuries of the arm, elbow, wrist, or hand Ice Hastens healing time by reducing swelling around injury Sudden cold contracts blood vessels Helps stop internal bleeding from injured capillaries and blood vessels Keep damp or dry cloth between skin and ice pack Do not apply ice for longer than 15 to 20 minutes at a time For 3 days after injury Apply every hour for 10 to 20 minutes Apply ice after 3 days as long as pain or inflammation persist Apply at least 3 times throughout the day for 15 to 20 minutes Compression Hastens healing time by reducing swelling around injury Decreases seeping of fluid into injured area from adjacent tissue Use elasticized bandage, compression sleeve, or cloth Wrap injured part firmly Do not impair blood supply Too tight of compression may cause more swelling Wrap over ice Loosen the bandage if it gets too tight Elevation Elevate injured part above level of heart Decreases swelling and pain Use objects and pillows for props Some texts advocate PRICES (P=Protection, S=Support)

Mortgage Brokers Ltsrm …

admin — Tue, 14 Feb 2012 07:05:08 +0000

LTSRM 10/29/09 | RE: Reverse Mortgage Brokers Are No Angels I will not pretend that there are not risks in the reverse mortgage industry. As long as there are people, there will be those looking to take advantage of others. (Though, in this particular industry, you may be surprised to learn, it’s usually NOT the broker.) However, the faults of the reverse mortgage industry are egregiously overblown. A whopping 90% (and growing) of the reverse mortgage industry consists of the federally insured version, which features significantly more consumer safeguards than any other mortgage product on the market – safeguards that are being actively analyzed and improved as the product, for good reason, continues to gain momentum. As this piece mentions, one of the safeguards that exist on the federally insured version is pre-loan counseling (which has to occur before the consumer can even submit an application). While the GAO did find that some counseling sessions conducted were not as thorough as they were designed to be – an issue that is already being addressed by regulators – it is also important to note that the GAO only ‘tested’ a total of fifteen counselors, which is hardly a significant sampling. It is also important to note that only on proprietary reverse mortgages (a very quickly shrinking industry) can a broker even think about recommending that an annuity be purchased with the proceeds – to say nothing of getting a kickback for it. This practice is prohibited on the federally insured program. Some lenders even go so far as to include strongly worded warnings against using the proceeds to purchase any investment product with the initial package that is sent to the applicant. I invite anyone to compare the fraud rates associated with reverse mortgages to those associated with any other mortgage product – or even any other financial product. Considering the widespread disparagement of reverse mortgages in the media, I predict you will be rather shocked at the results. The bottom line is this: No financial product is right for everyone, but that doesn’t mean it’s not a very valuable product. It is up to the consumer to determine whether the product they are considering is right for them and, in my experience, even without aggressive consumer safety measures in place, we could all learn a thing or two from most seniors about being a discretionary consumer. 2 iReverse 10/30/09 | RE: Reverse Mortgage Brokers Are No Angels “Reporters Are No Angels” Ms. Harris- I couldn’t help but notice the words “The Consumer Reporter” just below your name. I really didn’t know what a “Consumer Reporter” was so I searched online and found the following: Journalism scandals – Jayson Blair- 2003 “Times Reporter Who Resigned Leaves Long Trail of Deception”. A staff reporter for The New York Times committed frequent acts of journalistic fraud while covering significant news events in recent months, an investigation by Times journalists has found. The widespread fabrication and plagiarism represent a profound betrayal of trust and a low point in the 152 year history of the newspaper. The reporter, Jayson Blair, 27, misled readers and Times colleagues with dispatches that purported to be from Maryland, Texas and other states, when often he was far away, in New York. He fabricated comments. He concocted scenes. He lifted material from other newspapers and wire services. He selected details from photographs to create the impression he had been somewhere or seen someone, when he had not. Journalism scandals – Dan Rather 2004 During the 2004 US presidential campaign, Dan Rather was responsible for using possibly forged documents during a report on George W. Bush’s Vietnam era service record. Unlike most other scandals listed on this page, this was an error of gullibility on the part of the perpetrator, and there is no evidence that Mr. Rather intended to mislead the public. There is widespread speculation on the Internet and elsewhere that Karl Rove was responsible for planting the forged documents with CBS. Dubbed “Rathergate” and “Memogate” by the Internet blog community, the reason for Rather’s choice to stick by the Killian documents after widely being debated as forgeries was investigated. After investigation it is still unknown whether the documents were known or believed to be forged prior to 60 Minutes running the segment. The aftermath of the independent investigation’s report released on January 10, 2005 led to the firing of the producer of the original story, Mary Mapes. Three others, Josh Howard, executive producer of 60 Minutes Wednesday; his top deputy Mary Murphy; and senior vice president Betsy West, were asked to resign. Journalism scandals – Barry Schweid 2005 On April 11, 2005, the Associated Press reported that John Bolton, nominee for ambassador of the United States to the United Nations had said “that the world body had ‘gone off track’ at times but that he was committed to its mission”. This article was filed more than an hour before the beginning of the hearing session at which Mr. Bolton allegedly made these remarks. Journalism scandals – Barbara Stewart 2005 In the spring of 2005, the Boston Globe ran a story describing the events of a seal hunt near Halifax, Nova Scotia that took place on April 12, 2005. The article described the specific number of boats involved in the hunt and graphically described the killing of seals and the protests that accompanied it. The reality is that weather had delayed the hunt, which had not even begun by April 13, the day the story had been filed, and was rescheduled to start, at the earliest, on April 15, three days after Ms. Stewart (who had worked for the New York Times for a decade previous) “described” the events of said hunt. As there was no hunt to describe, the story was obviously fabricated. As of yet, Ms. Stewart has not commented on filing this story describing events that never occurred. Journalism scandals – Fake GI Rape Photographs 2004 In May of 2004, the Boston Globe published photographs it alleged were of United States soldiers abusing and raping women in Iraq. Shortly thereafter, these photographs were stated to be commercially-produced pornography that were originally published on a web site named “Sex in War”. At the time, other news sources claimed to have already exposed the photographs as fake at least a week before the Boston newspaper published them. So following your methodology, I titled this response, “Reporters Are No Angels” . Similar to a parrot that simply repeats what is spoken, your obvious lack of research and understanding of our industry shows what you lack as a true “Consumer Reporter”. I challenge you to raise the bar and quit participating in biased journalism that hurts, not helps the consumer. Kenneth J. Klawans, President iReverse Home Loans, LLC a Subsidiary of Hopkins Federal Savings Bank Member FDIC- Equal Housing Lender Corporate Headquarters: 3706 Crondall Lane, Suite 100 Owings Mills, Maryland 21117 Toll-Free Direct: 800-486-8786 ext. 701 Local: 410-902-7000 ext. 701 E-Mail: Klawans@iReverse.com Web: www.iReverse.com Employment: www.iReverse.com/Employment Member: National Reverse Mortgage Lenders Association (NRMLA) 3 Pwills1 10/30/09 | RE: Reverse Mortgage Brokers Are No Angels Marlys Harris, First, it seems that most often when you speak of “Mortgage Brokers” you mean “Mortgage originators or Loan Officers.” A mortgage broker is most often a company that broker?s loans, it can also be an individual but as in the case of FHA mortgages, they must be licensed by HUD, they are audited annually, and perform the general business functions of originating, processing, and closing a loan. All of these cost are part of the “Broker” fees that you mention. The Broker fees rarely go to a single person. They go to a company that pays for overhead; Licensing, Bonds, Businses insurance, payroll, health insurance, receptionist, phones, rent etc? just like any business and the “loan originator or loan officer” receives a portion of the fee. The originator’s commission is usually about the same no matter if they work for a Broker, a Mortgage Lender or a Bank. I have worked for all of the above and there is no difference in the quality of the originators. Some are good and some are not. Second, I have been in the mortgage business for 30 years and the reverse mortgage business for 15. I understand and agree that this industry is in need a change. I would love to see the originators licensed specifically for reverse mortgages. I have always told anyone that worked for me that they must always be able and ready to walk away from a loan if it does not seem right. I and no one under my supervision has ever sold or pushed an annuity. I have reviewed annuities many times as some in my industry have said they were good for the senior but have continued to find that they were only appropriate in a very small number of cases and it was simply a complication that is not in the interest of the senior. So we never went down that path. It is always tricky when you want to do good in a career that pays you as well. I would prefer to offer reverse mortgages at no cost to the seniors but that is not possible. So, I meet with the homeowners and explain everything, am available to answer any questions they or their family has, and most of all I try to be fair and honest. Most of the senior homeowners that we deal with are in need of help. They have a mortgage that they cannot afford, often credit card debt (now at 29%) and don’t know what to do. Their other options are limited, if they sell, where do they go? They cannot qualify or afford to refinance, so what do they do? I have a stack of letters in my office from prior borrowers stating how happy they are with their reverse mortgage. They often do not want to say so in public because they feel like it is a ?shame? to have needed to borrow money on their own home to help themselves. With the current round of blame and so much misinformation in the press, many of these folks will not even look into a reverse mortgage inthe future. And what will they do? Do you think it will be better for them? I am all for fixing the program and have no problem with more over site but please, the constant bashing of reverse mortgages is not serving the seniors. Thank you. Patty Wills, Retirement Life Funding 4 Srcitizen 10/30/09 | RE: Reverse Mortgage Brokers Are No Angels Unfortunately, there are many more disreputable “reporters” and politicians, than Mortgage Brokers. Lets look at trends for a moment. What is happening to the newspaper industry? What is happening to the Reverse Mortgage industry. Anyone member of the news media that thinks the demise of the traditional newspaper is due the internet is naive! 5 hmmm? 10/30/09 | RE: Reverse Mortgage Brokers Are No Angels I do take offense to this article and it does bother me as I am sure it bothers other legitimate and honest reverse mortgage originators. Yes, unfortunately predatory lenders and insurance agents are out there as with any type of business…bad lawyers, bad contractors, and bad journalists. What I don’t like about this article is that you are not looking at one positive aspect of the reverse mortgage program, but instead bash it without knowing the good this program has done for so many seniors. Did you know that AARP did a survey in 2007 on a large group of seniors that had a reverse mortgage. 93% said the reverse mortgage had a positive effect on their lives. There is a recent video that was just released a few days ago form AARP that includes Barney Frank on many of the issues you discuss in your article. I think you should check it out. Here is the link: 6 Curious? 10/30/09 | RE: Reverse Mortgage Brokers Are No Angels I’m curious….about the age of Marlys Harris? Looks by the picture that she is late 40′s to early 50′s. Does she have parents or grandparents that are homeowners and might need help with their finances and would like to use their own resources like their home. How about aunts, uncles, inlaws, etc. Is everyone in her family circle O.K. financially. Curious what they would do if they find themselves in need of this product. It would be a shame if they took Marlys limited views and decide otherwise. I don’t think any senior goes into retirement thinking that they can’t make it financially. Actually, some that know or feel that they can’t make it are still working into their 70′s. This is unfortunate. An easy way to do a good job here is to do more research and actually talk to actual senior homeowners borrowers that have a Reverse Mortgage. With any situation “One Size Fits All” doesn’t work. The “sky is falling” Chicken Little approach sells media but is usually a disservice to all. 7 allreverse 11/05/09 | RE: Reverse Mortgage Brokers Are No Angels I cringe every time I read an article about a reverse mortgage where the author is doing his or her level best to try to show how bad the program is, usually with faulty information or by citing how someone found a way to help the senior borrower part with their funds (which really isn?t a flaw in the reverse mortgage program, itself, but how someone cheated a borrower out of their money). maybe you should read this story 8 Milton F. 11/09/09 | RE: Reverse Mortgage Brokers Are No Angels @Kenneth J. Klawans: Uhm, Mrs. Harris’s post talks exclusively about Reverse Mortgage Brokers. Your ad hominem attack on the journalism cherry picked reporters who are not consumer reporters by any stretch of the imagination. Your argument fails on many grounds, but among the leaders would be false equivalence and trial by association. If I were to go to iReverse.com and post a lot of things about the finance industry being corrupt, and attempt to obfuscate you and your business with AIG, Countrywide and Bernie Madoff, you might understand your error. Maybe not. You’d probably get a cease and desist order (correctly). To the other industry comments, I am curious how money borrowed at 6% and invested for 4% with fees paid out on both the borrowing and the investing is a good investment or an ethical piece of advice. I do not think that Mrs. Harris is assaulting the industry, but rather informing her readers that there are shady characters in your industry and that they should be careful. Ignoring the shady characters, when you are screwing around with the sums of money and the portions of wealth that people have in their houses, clearly caution is warranted and more information is a plus, not a minus. If you dismiss a call to caution before signing a reverse mortgage, you are probably part of the problem, not the solution. 9 iReverse 11/10/09 | RE: Reverse Mortgage Brokers Are No Angels Milton F.- I was attempting to point out that there are bad apples in all industries…however labeling an entire industry (Reverse Mortgage Brokers Are No Angels) does a disservice to those who truly benefit from a great program. My example was obviously effective. I imagine my reaction to seeing such an insulting headline “Reverse Mortgage Brokers Are No Angels” was similar to your reaction seeing “Reporters Are No Angels”. I cited a few real world examples of unethical journalists…and I facetiously titled my post “Reporters are No Angels” to demonstrate how ridiculous it is to label an entire industry based on the actions of a few. This is why I wrote: “So following your methodology, I titled this response, “Reporters Are No Angels”. Similar to a parrot that simply repeats what is spoken, your obvious lack of research and understanding of our industry shows what you lack as a true “Consumer Reporter”.” Just as I work to weed out bad apples within our industry, I would hope you would do the same by weeding out “reporters” who write amateur, unprofessional posts based on little research and attempt to place a label on an entire industry. Citing a couple reports and placing a label on an entire industry is amateur, unprofessional reporting. The title and content (or lack of fair balanced reporting) is an assault on the industry. Finally, I feel I must once again educate you (who I assume is a reporter) that won’t take the time to understand the product. You made the following comment: “I am curious how money borrowed at 6% and invested for 4% with fees paid out on both the borrowing and the investing is a good investment or an ethical piece of advice. ” Once again, you too need to be educated on the industry. We are reverse mortgage specialists. We originate, process and close reverse mortgages. We have always been prohibited by the US Department of Housing and Urban Development from also participating in any other real estate or finance related entity. This means we can not sell financial products…annuities, etc. We don’t provide “investment advice”. We originate and close reverse mortgages…that is it. You, like so many other reporters, somehow blame the reverse mortgage industry for problems related to what occurred in a very few instances after the reverse mortgage was properly closed. Yes there are some “bad apples” who have “steered” seniors into using the proceeds from their reverse mortgage to purchase inappropriate financial instruments…but those of us licensed and/or approved by HUD are only in the reverse mortgage business. We don’t sell other financial products. We are not permitted to. Ken Klawans iReverse Home Loans, LLC a Subsidiary of Hopkins Federal Savings Bank 10 iReverse 11/10/09 | Reported as spam RE: Reverse Mortgage Brokers Are No Angels Milton F/Marlys Harris and anyone else seeking an example of fair balanced reporting on reverse mortgages- I invite you to view AARP’s Inside E Street webcast entitled “Reverse Mortgage: Rescue or Trap?” 9001?bctid=44798109001 11 bob.css@… 08/18/10 | RE: Reverse Mortgage Brokers Are No Angels I’m not 100% certain, but it sounds to me like you are typical of today?s “press”. Not reporting the news, but spinning it for your own personal agenda. I have no doubt there are abuses in the reverse mortgage industry that have caused harm to people, and need to be addressed, much like the slanted, inaccurate, irresponsible type of writing that you publish does. Unlike you, however, the industry does help thousands of seniors annually, but hacks like you never seem to “report” that. Instead you use smear tactics like those in your article to scare off seniors who otherwise might have benefited from a reverse mortgage. No one benefits from the sort of tripe that you publish. People like you don’t contribute to society in a positive manner. You produce nothing. You simply create fear and anxiety through incomplete, inaccurate, immature and in many cases deliberately misleading (spell that “false”) reporting. However, I’m sure you make a good living at it so what does it matter who you hurt along the way. By the way, trying to blame the mortgage broker for the sub-prime meltdown instead of placing the blame where it belongs, on Wall Street; is indicative of your complete lack of research into the subject prior to spewing out the garbage you put in print. 12 AHVAC 09/21/10 | RE: Reverse Mortgage Brokers Are No Angels I’m glad that someone finally explained that to me. Thanks 13 The Engineer 09/23/10 | FREEDOM OF SPEECH I find it rather amusing that so many individuals have taken such offense to this article. Usually that type of defensiveness comes from guilt. Prior to reading this article, I read an article about a broker who took $140,000 in RM proceeds from an 86 year old woman in SF and put it in his personal account instead of investing as his contract described. He was discovered and was sentenced to jail time and repayment on the funds. You can find a myriad of stories like this, hence the title and tone of the article. Maybe a more appropriate title would have been ” Not All RM Brokers are Angels”. However, I think we get the point. Although I am quite young, I think reverse mortgages are great resources for seniors who have or are running out of financial options to maintain their current lifestyle. Thank you Marlys Harris for opening peoples eyes to the fact that they should be more aware of who they are dealing with, which I think (hope) was your point. 14 scumferreter 10/16/10 | RE: Reverse Mortgage Brokers Are No Angels C.A., the family owned shysters at Hopkins Federal Savings bank, and all the other bottom feeders attempt to wrap themselves in the holier than thou persona… Total BS! Truth be know most are still shrouded in the blood stained Torah’s of the current mortgage crisis! Bottom line; this new wave of crooks; predators of the elderly, predators of the very lowest order . How They Work; The object of the game for the bank, is to get the absolute lowest, albeit quasi legal appraisal on the victims property. This is where the game will begin. Then, all bets are off on how these crooks concocted the agreement. Your first big expense before you get a dime, will be to get a LAWYER! There is no way for you to be able to navigate these shark infested swamps without one. These are the some of the most important issues to address with your crook banker; Your cash out will be tied to some concocted index that will allow your rate to be variable… The higher it goes, the lower you monthly payment goes! See how the crook responds to that question. Ask him what will happen to your monthly payment if rates go to 10%! If he gives you a response that has any overtones, in which he would seem to be knowledgeable about where rates will go… RUN LIKE HELL, and try another! Get the fee list! How much are they going to soak you for at closing? Will there be a monthly servicing fee deducted from each payment? Are there points? Check the pre-closing statement (required by law), are they trying to slide annuities, insurances, or any other BS add on into the contract? This is ILLEGAL… absolutely no cross selling by scum from other ponds is allowed by FEDERAL LAW! What will this do to your tax status? Accrued interest on a reverse mortgage IS NOT DEDUCTIBLE! Find out if the additional income from the payments will affect your eligibility, disqualification, or create a higher cost in regard to Pensions, Medicaid, Supplemental Social Security Income, or any other sources of income that may be reduced by the additional payment received from the reverse mortgage. Finally, this septic scum is not your friend! They will smile, seem to be your very best friend, just there to HELP YOU! Total B.S.! They are only there to part you from you homes equity; period. If you find you are starting to like your scum reverse mortgage predator, you need to get a third party involved, someone that will not develop an emotional fondness for the crook. And finally, how much equity / appreciation vig are they going to wrestle out of you? Read VERY CAREFULLY the shared equity, and shared appreciation clauses. This is where the real screwing gets done! These clauses would make Larry Flint blush. The bottom line is you are going to get fleeced; even from the most respectable crook in the pond. Just do your homework, and make sure that you do in fact find the most respectable crook. You will have to turn over a lot of rocks, and the slithering creations that are under them will have to be dealt with to finally get to a friendly garden snake variety. If you think I was too harsh on this pile of shi*, just google Mortgage Backed Securities Fraud, this should make you run to the exit as fast as you can, and look at other ways to make ends meet. Good Luck!

Corporate Video …

admin — Sun, 12 Feb 2012 07:38:16 +0000

Rental While …

admin — Sat, 11 Feb 2012 07:32:37 +0000

While beaches are among the most popular, they’re not the only place to find a vacation home Rental Newcastle. are great for business trips in conference destinations like Orlando or for weekend getaways to cities such as Los Angeles or Manhattan. are the norm in destinations such as Gatlinburg or Big Bear, California.