Truth in Lending Changes Coming!
The new Truth in Lending Regulation (Reg Z) changes take effect for loan applications filed on, or after July 31st, 2009.
Three main changes are:
- The requirement of the lender to give a Good Faith Estimate within 3 business days of the loan application.
- If the APR increases by more than 0.125 percent from the early disclosure amount, the lender must provide a corrected disclosure and wait an additional 3 business days before closing the loan.
- The lender may not collect any fees before the disclosures are provided, except for a reasonable credit report fee.
It is important to understand that the APR can be affected by something seemingly innocuous. These can include a change in contract terms, an unlocked interest rate, a change in closing date, a change in the loan amount, a loan product change, and changes to fees including settlement fees. If any of these items occur too close to the scheduled closing date, we may run into issues with the closing timing.
My advice:
The changes aren't really burdensome, but they have the potential to delay closings. It is important that we pay close attention to changes in contract and loan terms from start to finish.
Friday, July 31, 2009
I Normally would not post this type of Post, but if they take our guns we are in real trouble. History shows countries that do this control our rights to defend ourselfs. Think of Germany and what happened to them and other countires.
Concerning the Blair-Holt proposed legislation: Senate Bill SB-2099
will require us to put on our 2009 1040 federal tax form all guns that you have or own. It may require fingerprints and a tax of $50 per gun.
In November, our lying president promised he was not going after our Second Amendment rights. This bill was introduced on Feb.
24. This bill will become public knowledge 30 days after it is voted into law. This is an amendment to the Internal Revenue Act of 1986.
This means that the Finance Committee can pass this without the Senate
voting on it at all.
The full text of the proposed amendment is on the U.S. Senate homepage, http://www.senate.gov/ <http://www.senate.gov/
http://www.senate.gov/http://www.senate.gov/ You can find the bill by doing a search by the bill number, SB-2099.
You know who to call; I strongly suggest you do. Please send a copy of this e-mail to every gun owner you know.
Congress is now starting on the firearms confiscation bill. If it passes, gun owners will become criminals if you don't fully comply.
It has started. Very important for you to be aware of a new bill HR 45 Record of Sale Act of 2009.
Even gun shop owners didn't know about this because the government is trying to fly it under the radar.
To find out about this - go to any government website and type in HR 45 or Google HR 45 Blair Holt Firearm Licensing & Record of Sales Act of 2009.
Basically this would make it illegal to own a firearm - any rifle with a clip or ANY pistol unless: It is registered -You are fingerprinted -You supply a current Driver's License -You supply your Social Security # -You will submit to a physical & mental evaluation at any time of their choosing -Each update change of ownership through private or public sale must be reported and costs $25 - Failure to do so you automatically lose the right to own a firearm and are subject up to a year in jail. - There is a child provision clause on page 16 sections 305 stating a child-access provision. Gun must be locked and inaccessible to any child under 18.
-They would have the right to come and inspect that you are storing your gun safely away from accessibility to children and fine is punishable for up to 5 yrs. in prison.
If you think this is a joke - go to the website and take your pick of many options to read this. It is long and lengthy.. But, more and more people are becoming aware of this.. Pass the word along. Any hunters in your family pass this along.
This is just a "termite" approach to complete confiscation of guns and disarming of our society to the point we have no defense - chip away a little here and there until the goal is accomplished before anyone realizes it.
This is one to act on whether you own a gun or not. If you take my gun, only the criminal will have one to use against me. HR 45 only makes me/us less safe.
http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.45
http://www.opencongress.org/bill/111-h45/show
http://www.govtrack.us/congress/bill..xpd?bill=h111-45
Please. Copy and send this out to EVERYONE in the USA, whether you support the Right to Bear Arms or not. YOUR rights are next.
Government is taking away our right to choose, as well as the right to defend ourselves from intruders.
CALL YOUR SENATOR
Concerning the Blair-Holt proposed legislation: Senate Bill SB-2099
will require us to put on our 2009 1040 federal tax form all guns that you have or own. It may require fingerprints and a tax of $50 per gun.
In November, our lying president promised he was not going after our Second Amendment rights. This bill was introduced on Feb.
24. This bill will become public knowledge 30 days after it is voted into law. This is an amendment to the Internal Revenue Act of 1986.
This means that the Finance Committee can pass this without the Senate
voting on it at all.
The full text of the proposed amendment is on the U.S. Senate homepage, http://www.senate.gov/ <http://www.senate.gov/
http://www.senate.gov/http://www.senate.gov/ You can find the bill by doing a search by the bill number, SB-2099.
You know who to call; I strongly suggest you do. Please send a copy of this e-mail to every gun owner you know.
Congress is now starting on the firearms confiscation bill. If it passes, gun owners will become criminals if you don't fully comply.
It has started. Very important for you to be aware of a new bill HR 45 Record of Sale Act of 2009.
Even gun shop owners didn't know about this because the government is trying to fly it under the radar.
To find out about this - go to any government website and type in HR 45 or Google HR 45 Blair Holt Firearm Licensing & Record of Sales Act of 2009.
Basically this would make it illegal to own a firearm - any rifle with a clip or ANY pistol unless: It is registered -You are fingerprinted -You supply a current Driver's License -You supply your Social Security # -You will submit to a physical & mental evaluation at any time of their choosing -Each update change of ownership through private or public sale must be reported and costs $25 - Failure to do so you automatically lose the right to own a firearm and are subject up to a year in jail. - There is a child provision clause on page 16 sections 305 stating a child-access provision. Gun must be locked and inaccessible to any child under 18.
-They would have the right to come and inspect that you are storing your gun safely away from accessibility to children and fine is punishable for up to 5 yrs. in prison.
If you think this is a joke - go to the website and take your pick of many options to read this. It is long and lengthy.. But, more and more people are becoming aware of this.. Pass the word along. Any hunters in your family pass this along.
This is just a "termite" approach to complete confiscation of guns and disarming of our society to the point we have no defense - chip away a little here and there until the goal is accomplished before anyone realizes it.
This is one to act on whether you own a gun or not. If you take my gun, only the criminal will have one to use against me. HR 45 only makes me/us less safe.
http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.45
http://www.opencongress.org/bill/111-h45/show
http://www.govtrack.us/congress/bill..xpd?bill=h111-45
Please. Copy and send this out to EVERYONE in the USA, whether you support the Right to Bear Arms or not. YOUR rights are next.
Government is taking away our right to choose, as well as the right to defend ourselves from intruders.
CALL YOUR SENATOR
Wednesday, July 29, 2009
“The pace of descent in home price values appears to be slowing,” says David M. Blitzer, chairman of the Index Committee at Standard & Poor’s. “There is a clear inflection point in the year-over-year data, due to four consecutive months of improved rates of return, after the steep decline that began in the fall of 2005. In addition to the 10-City and 20-City Composites, 17 of the 20 metro areas also saw improvement in their annual returns compared to those of April. Looking at the monthly data, 13 of the 20 metro areas reported positive returns; and the 10-City and 20-City Composites reported positive returns for the first time since the summer of 2006. To put it in perspective, this is the first time we have seen broad increases in home prices in 34 months. This could be an indication that home price declines are finally stabilizing.”
Saturday, July 25, 2009
Thursday, July 23, 2009
Tuesday, July 21, 2009
Some of you may be wondering what Judge Roy Moore has been doing since he was removed from the bench for refusing to remove the Ten Commandments from his courtroom wall. Please read the poem he wrote. It's below his picture.
The following is a poem written by Judge Roy Moore from Alabama .. Judge Moore was sued by the ACLU for displaying the Ten Commandments in his courtroom foyer He has been stripped of his judgeship and now they are trying to strip his right to practice law in Alabama ! The judge's poem sums it up quite well.
America the beautiful,
or so you used to be.
Land of the Pilgrims' pride;
I'm glad they'll never see.
Babies piled in dumpsters,
Abortion on demand,
Oh, sweet land of liberty;
your house is on the sand.
Our children wander aimlessly
poisoned by cocaine
choosing to indulge their lusts,
when God has said abstain
From sea to shining sea,
our Nation turns away
From the teaching of God's love
and a need to always pray
We've kept God in our
temples, how callous we have grown.
When earth is but His footstool,
and Heaven is His throne.
We've voted in a government
that's rotting at the core,
Appointing Godless Judges;
who throw reason out the door,
Too soft to place a killer
in a well deserved tomb,
But brave enough to kill a baby
before he leaves the womb.
You think that God's not
angry, that our land's a moral slum?
How much longer will He wait
before His judgment comes?
How are we to face our God,
from Whom we cannot hide?
What then is left for us to do,
but stem this evil tide?
If we who are His children,
will humbly turn and pray;
Seek His holy face
and mend our evil way:
Then God will hear from Heaven;
and forgive us of our sins,
He'll heal our sickly land
and those who live within.
But, America the Beautiful,
If you don't - then you will see,
A sad but Holy God
withdraw His hand from Thee.
~~Judge Roy Moore~~
The following is a poem written by Judge Roy Moore from Alabama .. Judge Moore was sued by the ACLU for displaying the Ten Commandments in his courtroom foyer He has been stripped of his judgeship and now they are trying to strip his right to practice law in Alabama ! The judge's poem sums it up quite well.
America the beautiful,
or so you used to be.
Land of the Pilgrims' pride;
I'm glad they'll never see.
Babies piled in dumpsters,
Abortion on demand,
Oh, sweet land of liberty;
your house is on the sand.
Our children wander aimlessly
poisoned by cocaine
choosing to indulge their lusts,
when God has said abstain
From sea to shining sea,
our Nation turns away
From the teaching of God's love
and a need to always pray
We've kept God in our
temples, how callous we have grown.
When earth is but His footstool,
and Heaven is His throne.
We've voted in a government
that's rotting at the core,
Appointing Godless Judges;
who throw reason out the door,
Too soft to place a killer
in a well deserved tomb,
But brave enough to kill a baby
before he leaves the womb.
You think that God's not
angry, that our land's a moral slum?
How much longer will He wait
before His judgment comes?
How are we to face our God,
from Whom we cannot hide?
What then is left for us to do,
but stem this evil tide?
If we who are His children,
will humbly turn and pray;
Seek His holy face
and mend our evil way:
Then God will hear from Heaven;
and forgive us of our sins,
He'll heal our sickly land
and those who live within.
But, America the Beautiful,
If you don't - then you will see,
A sad but Holy God
withdraw His hand from Thee.
~~Judge Roy Moore~~
Brevard NC fresh Trout cooking in the woods video
Here is a 10 minute video of visitors to Brevard that caught fresh rainbow trout. Then they produced this video. I really enjoyed this one. Just another reason why we love Brevard and the visitors that get to enjoy or streams, waterfalls, mountain views and best of all friendly people. Where else can you eat some of the finest fish, freshly caught in just one of our uncountable trout streams.
Enjoy it! Jay
Enjoy it! Jay
Saturday, July 18, 2009
My Twitter Won't Tweet!
My Twitter Won't Tweet!
by Charles Craver
Things are spiraling out of control. I think I have become lost in a world of electronic madness.
One of my sons informed me this week that my cell phone has become obsolete and I must head down to the Cell Phone store and get a phone that is contemporary with the times.
I pointed out that the fancy Razor/Slim line phone with camera built in that he made me trade my perfectly good flip-top Motorola cell phone for two years ago still works perfectly fine. Well, except for the camera thing. Never could figure that out. Even the few times I actually did take pictures I couldn't figure out what to do with them and gave up.
That is, except when I would push the wrong button and take a video of the ceiling or my feet.
Seems the issue is that I am unable to text with the tiny little 3 character buttons. "Hi, son," would come out looking like, "Gh Qmo." My grandkids have even spoken to my wife about Poppa's crazy text messages. Give me a break. What ever happened to actually talking on a phone? Isn't that what they were invented for?
The grandkids want me to get one of those phones that you can turn upside down and sideways and has a typewriter keyboard with keys about one-eighth the size of my pinky finger.
"Way to go, son." Or in my text language, "Xbz um Io, rmo."
One of my four sons is a realtor whose real occupation is fly-fishing. We were floating the Yakima River in his guide quality drift boat south of Ellensburg, Washington. We were miles from anything remotely resembling civilization. Rock canyon walls were on either side of us. Bear with me as I try to explain this strange thing.
His "Blackberry" rang. It was blue and I asked him why it wasn't called a Blueberry. He shook his head with that 'dealing with an elder despair' look I get a lot these days. It was another realtor who called to say that the sellers he represented had agreed to my son's client's changes and he had the signed documents in hand.
My son told him to FAX the papers to his office and he would get them signed and Faxed back, to close the deal that morning. A minute later the phone rang and he hit a few buttons and looked over the FAX, now on the Yakima River with us.
He then called his clients and told them he was Faxing the papers to them to sign and asked them to FAX them back to his office. While he was waiting, he hooked into a fat rainbow and was just releasing this 22 inch beauty as his phone rang again with the signed FAX from his clients.
He called the other realtor and told him he was sending the signed papers back by FAX. The deal was closed. He smiled and just said, "You are a little behind the times, Dad."
I guess I am.
I thought about the sixty million dollar a year business I ran with 1800 employees, all without a Blackberry that played music, took videos, pictures and communicated with Facebook and Twitter.
I signed up under duress for Twitter and Facebook, so my seven kids, their spouse, 13 grandkids and 2 great grand kids could communicate with me in the modern way. I figured I could handle something as simple as Twitter with only 140 characters of space.
That was before one of my grandkids hooked me up for Tweeter, Tweetree, Twhirl, Twitterfon, Tweetie and Twittererific Tweetdeck, Twitpix and something that sends every message to my cell phone and every other program within the texting world.
My phone was beeping every three minutes with the details of everything except the bowel movements of the entire next generation. I am not ready to live like this. I keep my cell phone in the garage in my golf bag.
The kids bought me a GPS for my last birthday because they say I get lost every now and then going over to the grocery store or library. I keep that in a box under my tool bench with the Blue tooth [it's red] phone I am supposed to use when I drive. I wore it once and was standing in line at Barnes and Nobles talking to my wife as every one in the nearest 50 yards was glaring at me. Seems I have to take my hearing aid out to use it and got a little loud.
I mean the GPS looked pretty smart on my dash board, but the lady-voice inside was the most annoying, rudest person I had run into in a long time. Every 10 minutes, she would sarcastically say, "Re-calc-ul-ating" You would think that she could be nicer. It was like she could barely tolerate me. She would let go with a deep sigh and then tell me to make a U-turn at the next light. Then when I would make a right turn instead, it was not good.
When I get really lost now, I call my wife and tell her the name of the cross streets and while she is starting to develop the same tone as Gypsy, the GPS-voice lady, at least she loves me.
To be perfectly frank, I am still trying to learn how to use the cordless phones in our house. We have had them for 4 years, but I still haven't figured out how I can lose three phones all at once and have to run around digging under chair cushions and checking bathrooms and the dirty laundry baskets when the phone rings.
The world is just getting too complex for me. They even mess me up every time I go to the grocery store. You would think they could settle on something themselves but this sudden "Paper or Plastic?" every time I check out just knocks me for a loop.
I bought some of those cloth re-usable bags to avoid looking confused but never remember to take them in with me.
Now I toss it back to the grocery baggers. When they ask me, "Paper or Plastic?" I just say, "Doesn't matter to me. I am bi-sacksual." Then it's their turn to stare at me with a blank look.
by Charles Craver
Things are spiraling out of control. I think I have become lost in a world of electronic madness.
One of my sons informed me this week that my cell phone has become obsolete and I must head down to the Cell Phone store and get a phone that is contemporary with the times.
I pointed out that the fancy Razor/Slim line phone with camera built in that he made me trade my perfectly good flip-top Motorola cell phone for two years ago still works perfectly fine. Well, except for the camera thing. Never could figure that out. Even the few times I actually did take pictures I couldn't figure out what to do with them and gave up.
That is, except when I would push the wrong button and take a video of the ceiling or my feet.
Seems the issue is that I am unable to text with the tiny little 3 character buttons. "Hi, son," would come out looking like, "Gh Qmo." My grandkids have even spoken to my wife about Poppa's crazy text messages. Give me a break. What ever happened to actually talking on a phone? Isn't that what they were invented for?
The grandkids want me to get one of those phones that you can turn upside down and sideways and has a typewriter keyboard with keys about one-eighth the size of my pinky finger.
"Way to go, son." Or in my text language, "Xbz um Io, rmo."
One of my four sons is a realtor whose real occupation is fly-fishing. We were floating the Yakima River in his guide quality drift boat south of Ellensburg, Washington. We were miles from anything remotely resembling civilization. Rock canyon walls were on either side of us. Bear with me as I try to explain this strange thing.
His "Blackberry" rang. It was blue and I asked him why it wasn't called a Blueberry. He shook his head with that 'dealing with an elder despair' look I get a lot these days. It was another realtor who called to say that the sellers he represented had agreed to my son's client's changes and he had the signed documents in hand.
My son told him to FAX the papers to his office and he would get them signed and Faxed back, to close the deal that morning. A minute later the phone rang and he hit a few buttons and looked over the FAX, now on the Yakima River with us.
He then called his clients and told them he was Faxing the papers to them to sign and asked them to FAX them back to his office. While he was waiting, he hooked into a fat rainbow and was just releasing this 22 inch beauty as his phone rang again with the signed FAX from his clients.
He called the other realtor and told him he was sending the signed papers back by FAX. The deal was closed. He smiled and just said, "You are a little behind the times, Dad."
I guess I am.
I thought about the sixty million dollar a year business I ran with 1800 employees, all without a Blackberry that played music, took videos, pictures and communicated with Facebook and Twitter.
I signed up under duress for Twitter and Facebook, so my seven kids, their spouse, 13 grandkids and 2 great grand kids could communicate with me in the modern way. I figured I could handle something as simple as Twitter with only 140 characters of space.
That was before one of my grandkids hooked me up for Tweeter, Tweetree, Twhirl, Twitterfon, Tweetie and Twittererific Tweetdeck, Twitpix and something that sends every message to my cell phone and every other program within the texting world.
My phone was beeping every three minutes with the details of everything except the bowel movements of the entire next generation. I am not ready to live like this. I keep my cell phone in the garage in my golf bag.
The kids bought me a GPS for my last birthday because they say I get lost every now and then going over to the grocery store or library. I keep that in a box under my tool bench with the Blue tooth [it's red] phone I am supposed to use when I drive. I wore it once and was standing in line at Barnes and Nobles talking to my wife as every one in the nearest 50 yards was glaring at me. Seems I have to take my hearing aid out to use it and got a little loud.
I mean the GPS looked pretty smart on my dash board, but the lady-voice inside was the most annoying, rudest person I had run into in a long time. Every 10 minutes, she would sarcastically say, "Re-calc-ul-ating" You would think that she could be nicer. It was like she could barely tolerate me. She would let go with a deep sigh and then tell me to make a U-turn at the next light. Then when I would make a right turn instead, it was not good.
When I get really lost now, I call my wife and tell her the name of the cross streets and while she is starting to develop the same tone as Gypsy, the GPS-voice lady, at least she loves me.
To be perfectly frank, I am still trying to learn how to use the cordless phones in our house. We have had them for 4 years, but I still haven't figured out how I can lose three phones all at once and have to run around digging under chair cushions and checking bathrooms and the dirty laundry baskets when the phone rings.
The world is just getting too complex for me. They even mess me up every time I go to the grocery store. You would think they could settle on something themselves but this sudden "Paper or Plastic?" every time I check out just knocks me for a loop.
I bought some of those cloth re-usable bags to avoid looking confused but never remember to take them in with me.
Now I toss it back to the grocery baggers. When they ask me, "Paper or Plastic?" I just say, "Doesn't matter to me. I am bi-sacksual." Then it's their turn to stare at me with a blank look.
Saturday, July 11, 2009
Great Quote
"The humblest citizen of all the land, when clad in the armor of a righteous cause, is stronger than all the hosts of error."
Friday, July 3, 2009
Thursday, July 2, 2009
Respect & Trust
"If your colleagues believe that you respect and trust their judgment, they'll pay you the compliment of telling you what they really think. So remember: Trust and candor travel together."
Ken Powell, Chief Executive Officer, General Mills Corporation
Ken Powell, Chief Executive Officer, General Mills Corporation
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