From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 10:35:52 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id CC45116A468 for ; Fri, 4 Jan 2008 10:35:52 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from hs-out-2122.google.com (hs-out-0708.google.com [64.233.178.247]) by mx1.freebsd.org (Postfix) with ESMTP id 76ABF13C4F3 for ; Fri, 4 Jan 2008 10:35:52 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by hs-out-2122.google.com with SMTP id j58so5153511hsj.11 for ; Fri, 04 Jan 2008 02:35:51 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=ppN64oGd8wJ350G7KQpMjuP05OFbc5cKPEAcdoJsCEc=; b=aOeI/P6bhUsIJxaNSI8QDX/cDAWbIgrdaGml/YIuOA9rRrDurKoIT69SBks6b7UkY+xd6RuuZN7+1+/a+BhmMnQQN/Hjx78sIF8i12ugSzKSgwnJY5mWv/meOIDLicWcPTBrDcZcXesQlGMAf9UvcW2tH6LRbcr9vT8/Sr4wG/4= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=GRqVEsMURw4Mx5bwwoUlzC+5LzzuhtVgX5aJt8qEdW0heAWK0zbh/d91sV4spdBss2P2j1JRFZIMKb4ea666GtxUD+aOAqRIEas0xgg9Q4pRCvYuBYX4Ey59mFdJxVdSHOP86Xk7J2HoaIXpErjIIBgytLHGX8ptOi7QxTjMEn0= Received: by 10.150.201.13 with SMTP id y13mr4517818ybf.100.1199442569086; Fri, 04 Jan 2008 02:29:29 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 02:29:29 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 12:29:29 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: United Built Homes, The Feol - Hinricher Companies Launch Their First Home-Study Real Estate Course X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 10:35:52 -0000 United Built Homes, The Feol - Hinricher Companies Launch Their First Home-Study Real Estate Course Memphis, Tennessee (PRWEB) December 20, 2007 -- The Feol - Hinricher Companies, a boutique real estate investing firm focused on qualitative solutions for today's discriminating investor announced their latest website, is officially set for launch. (Co-founders and in demand national speakers and educators, Robert Feol and Ryan Hinricher) have built the 'power course' as a gateway for new investors who want to learn how to identify great investments and structure their deals properly. "After selling over 150 homes last year, people began to approach us and ask how we were doing it - both buying in such large quantities and also finding truly outstanding investment opportunities" says Ryan Hinricher, "We put together a day-long seminar to address the needs of beginning investors, from how to identify a deal to how to obtain financing and determine high equity deals (We packed the room that day) and knew the content was valuable information, and sought to bring the information to a wider audience." Former members of the board of Mid South Real Estate Investor's Association, Hinricher and Feol, are no strangers to presenting rich content in a high profile setting. "In a sea of real estate information, some people are looking for the basic 'nuts and bolts' approach to real estate acquisition. Questions such as 'how do I find a great opportunity' to 'how much square footage do I buy' to ' how do I find tenants' are all covered in the course. We are excited to present this information in a content rich package because it is the very information we use every day to buy and sell houses. Real Estate investing works, and this is the manual on how we do it. It is an effective system, and new investors will find it to be a valuable tool in their investing arsenal." is expected to get heavy web traffic. "We are altering the way people analyze investment homes", says Hinricher. "All we do is break down the criteria that we use to identify and buy great investment properties, and how to maximize your return on investment. The process is simple, straightforward, and easily duplicatable, and we are looking forward to hearing about other people's success with our system!" For more information visit: About The Feol - Hinricher Companies The Feol - Hinricher Companies, , a real estate acquisition firm, focused on qualitative solutions for today's modern investor, specializes in identifying undervalued and emerging investment markets for real estate investors searching for ways to maximize their investment dollar while minimizing risk. The Feol-Hinricher Companies provide real estate opportunities that provide a combination of positive cash flow, tax benefits, and an equity spread which creates an attractive package of wealth initiatives for today's discriminating investor From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 10:49:08 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 7210A16A418 for ; Fri, 4 Jan 2008 10:49:08 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from hs-out-2122.google.com (hs-out-0708.google.com [64.233.178.240]) by mx1.freebsd.org (Postfix) with ESMTP id 193A413C447 for ; Fri, 4 Jan 2008 10:49:07 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by hs-out-2122.google.com with SMTP id j58so5156821hsj.11 for ; Fri, 04 Jan 2008 02:49:07 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=vQM9dRdaYINC8DGSqduD8cEzu3tysDf8Dez3zkKRLYQ=; b=F8YzBmsZz/V9hM0dob+oxNSiNCt7YstaU4u5B7pS/20PIs4RTQsYBzVvpxUiO/e6T/ZvZgrpD1vV3kIZJdZ7QmQAwM87aZKvvb0RRrl/GUugPuKC54C12v8rZW2OnVwYY40guUEc8snNYN+hbPGrUxReE/pF7Pc6rcg0JaQ2310= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=Hog+xdxLZpSjY0gSZWvFKQg6+kDfRQDooRcLKheErEntxJxFhGsBbZNeoRd1inBgO74EmwxmSspFPxD5bwQZKQUVQu5yDXacI2QxC0MwbY2zqNn3TUDQLvvw7xyA6kZsXLu67CuqKBIrAfzno/Wxcra4N+YphY6nJ8NPCgN1aU4= Received: by 10.150.145.20 with SMTP id s20mr4523692ybd.5.1199442092988; Fri, 04 Jan 2008 02:21:32 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 02:21:32 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 12:21:32 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Martin Pelmore, Bankrupcy Tips - Work On Rebuilding Your Credit - Part #2 X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 10:49:08 -0000 Martin Pelmore, Bankrupcy Tips - Work On Rebuilding Your Credit - Part #2 Ah yes, the 800-pound gorilla that you would have to take on ? rebuilding your credit. Fortunately for you, filing for bankruptcy does not have quite the same social and financial stigma it once did ten, maybe twenty years ago. 'The purpose of filing is a safety valve,? says Roger M. Whelan, resident scholar of the American Bankruptcy Institute, a nonprofit professional organization. 'Thank God, the day in which it was like wearing a blazing star on your forehead is over.' But rebuilding your credit is the double-edged sword of post-bankrupcy life. You have gotten to where you are now because you mismanaged your credit. However, this does not mean that you would have to steer clear from credit from now on. At first, you may have to, because you are given little choice on the matter. But sooner or later, you find that you have to get credit to rebuild your financial life. So what are the rules? There are no rules; that?s the best part about it. It does not matter how you do it or how fast. The factors can vary widely from the kind of resources you have and the type of bankruptcy you filed for. For instance, if you filed under a Chapter 13 bankruptcy, the bankruptcy will stay in your credit for five to seven years. Whereas, if you filed under Chapter 7, the bankruptcy could stay longer in your credit report ? say, up to ten years. During that period, it is going to be very, very difficult for you to get credit, let alone work on rebuilding yours from bad to good. And yet, rebuild you must, if you want to get back in the financial game. Now, if you have a high dollar income, then obviously you are going to have a slightly better edge over the rest. But just slightly. If you managed to hang onto your house, paying your mortgage on time will improve your credit report. But remember that 'many apartments don?t report to credit bureaus, so those payments will keep a roof over your head but won?t help you rebuild your credit,' warns John Ulzheimer, business development manager for MyFico.com, a division of Fair Isaac Corp., the company that developed credit scoring. Ironically enough, while Chapter 7 filers usually have a hard time getting approved for new credit, they are also usually the ones that have a better chance at rebuilding their credit. Henry Sommer, an attorney and author of 'Consumer Bankruptcy: The Complete Guide to Chapter 7 and Chapter 13 Personal Bankrupcy' says that 'while you?re in a Chapter 13 (reorganization), your options are somewhat limited in terms of credit.' That?s because you cannot really apply for new credit without getting the court?s permission first. On the other hand, under a Chapter 7, you are given more freedom in that area since all your debts are discharged. The sooner your debts are discharged, the sooner you can get to working on repairing your credit. Bankruptcy Tips #2: Adopt a Positive Attitude and Show What You have Learned Experts on bankruptcy insist that attitude and persistence can make a difference on your life after filing for a Chapter 7 or Chapter 13. 'The consumer who?s going to recover faster is the consumer who jumps back in,' says Ulzheimer. 'Financial capacity is one thing,' says Tahira K. Hira, a professor at Iowa State University who specializes in consumer economics and family finance. 'Mental or attitudinal capacity is the other thing.' So being positive can make a whole world of difference. '...If you build a savings account, carry no debts and have an emergency fund, you?re saying, ?Look, I can control my behavior,' Hira adds. 'It depends on how good a salesperson you are and how good your behavior has been.' And, of course, by behavior, she means your financial behavior or how you carry yourself around expenses and financial obligations. 'Pay your bills on time' is the name of the game. It is also incidentally the easiest way to show to your lenders that you have learned from your past financial mistake and are making every effort never to fall into that trap again. In short, you?ve got to be a model citizen in terms of financial management. Can you handle it? Of course, you can! And the only rule to follow is this: Shop for lenders. 'There will be a price attached,' warns Hira, 'which is higher interest.' This gives you all the more reason to be discriminating when choosing lenders. Don?t just jump at the first credit opportunity thrown your way only to find that the interests are punishing. Don?t get hard-balled into paying for high interest rates when you can get virtually the same loan for lower interest. Compare lenders. You are the consumer and you still have the advantage of choice. Jim Howlsinky offers free Banrkuptcy advice. For more information, articles, and free reports please visit Bankrupcy Law website: From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 12:25:00 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 27DA116A418 for ; Fri, 4 Jan 2008 12:25:00 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.247]) by mx1.freebsd.org (Postfix) with ESMTP id D084313C4D9 for ; Fri, 4 Jan 2008 12:24:59 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1401274aga.3 for ; Fri, 04 Jan 2008 04:24:59 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=0W957G26+EnsE3VdEVQKjWaguzs3MtVUsPjZJErTIcs=; b=rU3QJiAyZfLKq+N/zgEDvQe4yASKmiF+zHnyGu9wehwg8EhjyejnGB5g5ix1zVyng9jPyGGRUY0nnmbKm8bDwl/WOGBYsBvOh7qMEYG6bI/2OFSXRqPdFLWHXJE7BMuoQerj6ghRA19oEQ33CVJ15jVC32fAzgcSHHP8hJmXkzg= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=Afr6S8cFdfmt8a737KV1XcTJ6Y8F4sHZR4u774AtNq97osuEbiiasKeKbPh9FjRVCIr1QQ9DAqm4x4sfi/64cQOw9rDfhFv79KaVpoSirtY95hGgyVKYa497Ne3mdT3yIQcXlN1qy+Rgf3pyrbpGgWFN0tAsytmob3fRll9MqBY= Received: by 10.150.177.20 with SMTP id z20mr4556549ybe.137.1199449499062; Fri, 04 Jan 2008 04:24:59 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 04:24:59 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 14:24:59 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: John Rosatti, Author's Writing Career Debuts with Two Anthologies X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 12:25:00 -0000 John Rosatti, Author's Writing Career Debuts with Two Anthologies (PRWEB) June 21, 2006 -- Louisiana author Judith L Leger launches writing career with publication in two anthologies; Tavern Tales published by ComStar Media ISBN #: 0976996014 released Nov. 2005 and Chicken Soup for the Mother and Son Soul ISBN#: 0757304036 released April 2006. Represented by Literary Agent, Steven Grant of The Grant Agency, Mrs. Leger has also signed a contract for her novel The Changeling with ComStar Media, LLC. The novel is set for release in 2006. Leger, a native of Louisiana currently lives in the southwest part of the state with her husband and three sons. Love of reading and a very active imagination, she dreamed of writing her own tales, and in 2001 embarked on a journey to do just that. After two contemporaries, one fantasy (which she considers practice), she completed The Changeling, a fantasy romance novel. While in the process of searching for home for this book she wrote The Wraith's Forest which was picked up by Chippewa Publishing for a 90 day stint followed by ComStar Media, where it is currently in their fantasy anthology, Tavern Tales. The Changeling is a story of revelation and renewing. Caitlyn Reiley is a news porter for a small station in Los Angeles. She is informed that world-famous illusionist, Shay Evers, has requested that she be the one to interview him. She is determined to discover how he does his magical feats and thus reveal as a fake. Disbelief soon changes to a emotional and physical attraction for the handsome, charismatic illusionist. This novel is due to be released toward the end of 2006. A similar theme is found in The Wraith's Forest with the revealing of the Wraith. Ms. Leger wrote this short story (just below 20,000 words) from a dream. Every aspect fell into place and the story turned out beautifully. Ms. Leger loves to delve into the souls of her characters to give the reader a front seat view. Author Website: Contact: ComStar Media, LLC 2463B Coral Ave NE, Salem, OR 9730 William Anderson: polaris @ comstar-media.com Jennifer Anderson: jenniferlee @ comstar-media.com Steve Grant, Agent The Grant Agency 3621 Huntwick Drive Orange, TX 77632 Email: steve @ thegrantagency.com Judith L Leger, Author Email: jleger314 @ yahoo.com # # # From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 12:32:09 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 8853816A41B for ; Fri, 4 Jan 2008 12:32:09 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.246]) by mx1.freebsd.org (Postfix) with ESMTP id 456B613C455 for ; Fri, 4 Jan 2008 12:32:09 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1402461aga.3 for ; Fri, 04 Jan 2008 04:32:08 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=L/iSJe/5Zi8b9TeGIgwTnVmQew2WHCbA8nnIN0WV+SU=; b=K9Yo+bmbjMriC32nCyU1LfrLf4Strfl1qFeSDB5jwqtCl5fo4DhdiO9xrAFqsYikGmMfjICiNkLhnbGLGMEdHSEudHirRpQFMiOe5UaukwdRQHWJRFS4IfgGA1Sw9GEGq48a6g3oc7aDlXupvJC0tD+pImbqjaCmQWWNVZpS1sM= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=mOtFyUczOXHb/78A1nnuq/IzMQ+AV60oiD41kJWcv2ZGwPeDxgSe89qr9TS0MDobvG1npApfIrBw+7SMJ2ldqH/TeemucxD0YhzjyLV2uSg2WdoxDVvhykoqyGKykVAfVx2RktamVOOCFtKot0VNvyVEJmhUXQNh4L7Inbf0xgs= Received: by 10.150.152.17 with SMTP id z17mr4570258ybd.37.1199449928504; Fri, 04 Jan 2008 04:32:08 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 04:32:08 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 14:32:08 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Palm Vacations, Earn Extra Income In The Travel Industry X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 12:32:09 -0000 Palm Vacations, Earn Extra Income In The Travel Industry Gone are the days of not so long ago?when a family could live okay on single income, working for someone else, that is. With ever-increasing inflation, taxes and nearly everything else, at least two incomes are most often needed ? and just to cover the basics for a family. Often at least one of the family members also needs to moonlight or somehow bring in extra income to help cover bills and debts, often accumulated to cover more bare necessities with maybe an extra added in here and there like a nice new suit or mini-vacation that was once included in the one-income family of the old days. Well now, with good self discipline and a few other factors added in, you can work from home to make money to help support your family. And one main industry that offers a wealth of opportunity is the travel industry, where people are earning not only billions of dollars, but also are also enjoying benefits of travel packages round the world. To see if you believe you may qualify to work from home with good self discipline and other hard working attributes needed to make your own business a success, see what replies you would give to the following questions. And be honest with yourself. Because you?d be cheating yourself and your family in the long wrong, if you don?t reply truthfully. 1. Do you normally set goals and complete them? To be a success, in any field, you will need to have goals, as these will determine the ways and means of accomplishing your success. Your goals will most often be established in one of two ways: a. Based upon the amount of extra income you want to make. b. Based upon the amount of time you desire to spend certain tasks in order to make the income. In short, your goals will need to be specific and feature answers to: what, when, where or how, three important points you will need to define each step of the way. 2. Is the program you?re thinking of getting in to a good investment? Check these points: a. Can you afford initial start up costs? b. Are you passion it about it to see it through long term? c. Is it marketable? d. Are the goals you can set with the program desirable and achievable? 3. Do you have enough courage to give it a go? 4. Are you self motivated? Do you have perseverance? Will you keep educating yourself ? even with at work-at-home issues? After you have answered the above questions, look back over your replies. If they were mostly all positive, you?re on your way to success already and have an excellent foundation for growing your business. Negatives mean you may need more elbow grease like via the help of workshops, books and a mentor or coaching program. From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 13:46:03 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id ADBF116A468 for ; Fri, 4 Jan 2008 13:46:03 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.243]) by mx1.freebsd.org (Postfix) with ESMTP id 5DA3C13C469 for ; Fri, 4 Jan 2008 13:46:03 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1413234aga.3 for ; Fri, 04 Jan 2008 05:46:02 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=T0nRx6C9yTzJKePiigTd/XXa9DWw4d4ka62KYZCfEro=; b=IhfFJzb/dmdXNPP8WriIQg5AQLxJtRgU7w+0gZxTXXCpLLOVHNQx9mSlAH+llVcO3dq3K28izX5IWRJnIUZf+O/b9mfQYRLzzbZQarQMDnzNYmCc0xYN7a2GdfYxPLV0WSdxq4JiXS/2ooiJBrw9yRbbORt46stCGgCgAd87+Us= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=eYfm2Ale0dHKpiaK7uj96stD0dQqLSyCGNKv0WP4RBzKOtOdJ+fAw3peqIdLl+qZd//zk7vG/mqQOnXiYZqM1soih54MlHmwBoZfNWoJ9sIICDn4LEaPgkEQ1Cbd2EcNJckIYfzH7SbtJ4LXaXvXA1XHykH/ZRdYF0IneMF33zw= Received: by 10.150.205.13 with SMTP id c13mr1828962ybg.132.1199454362430; Fri, 04 Jan 2008 05:46:02 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 05:46:02 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 15:46:02 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=WINDOWS-1252 Content-Transfer-Encoding: quoted-printable Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Andrew Vaughey, Know Your Mortgage Fees, and Youll Never Pay Too Much for Your Loan X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:46:03 -0000 Andrew Vaughey, Know Your Mortgage Fees, and Youll Never Pay Too Much for Your Loan If you buy new windows, you'll not only pay for the windows, you will also pay an installation fee. When you purchase a car, you pay tax, title, assumption fee, etc. Just about every major purchase comes with extra costs or fees, and home loans are no different. Most people think they don't have to pay costs on a loan, because they are paying interest on the loan (they figure this is their fee =96 a premium on the money). A mortgage, however, does not come free. While some are mandatory, others are not. Follow these guidelines, and you'll never pay too much for your purchase mortgage or refinance loan. The origination fee -- The fee that bothers people the most is the origination fee, or what some mortgage people call a broker fee. This is often confused with points, but should not be. Points are something completely different. The origination or broker fee is what you pay the loan officer to originate or create and complete your home loan, whether it's a purchase or a refinance. All mortgage people charge them, whether they work for a mortgag= e brokerage or for a bank. Remember, if you're told there is not a broker or origination fee, chances are you're paying a higher interest rate, and this is how they're making this fee. The origination fee is the primary way mortgage brokers make money. The company gets the entire fee, and your broker or loan officer get= s a percentage of that fee =96 somewhere between 30 and 65 percent. So, if your mortgage broker charges you two percent on a $100,000 loan, thi= s is $2,000 for his company or bank and up to $1,300 for him. You may think this is an outrageous amount of money, especially considering that this is just one of the costs you have to pay, in order to complete you loan. It might be, and then again, it might not. It depends on what type of loan you get, how much work is involved in closing it, and the quality of the servic= e you get. Here are a few guidelines on what you should be willing to pay in origination or broker fees. Bad credit's effect -- If you are a sub prime borrower, or someone with credit problems, expect to pay more =96 up to $3,000 or $4,000. Remember, s= ub prime, or non-conforming, borrowers have some type of baggage that makes them difficult to get approved, which is a huge part of the mortgage professional's job. They may, for example, have a recent bankruptcy or foreclosure on their record, or a civil or criminal judgement, tax liens on the property, or very little equity in their home. These are problems that good mortgage professionals can get around, but it takes a lot of time and effort. I once helped an elderly gentleman on a fixed income refinance his home, an= d he had 14 liens against his home, all of which had to be satisfied, before his mortgage could be paid off, and he could get a new loan. I had three weeks, and probably 25 hours of time, just clearing these liens. One of the= m was a defaulted car loan on a car he didn't even have. He owed $3,000, hadn't made a payment in three years, and the bank was still after him. I had to negotiate with the collection agent from that bank, and get them to take $1,800 to satisfy the loan, which I would work into his new mortgage. After many telephone conversations and some very hard selling, they agreed, and I wound up getting it done. Now, I would have normally charged a minimum of $2,500 (over five percent o= f the loan amount, in this case) for this type of work, but there was not enough equity in the house to get that much origination in the loan. I actually did it for less than $1,000 ($500 of which was mine), just because I wanted to help this man, who needed the cash he was going to get from the new loan to put a new roof on his dilapidated house. This is just one example of when it's acceptable to pay more in origination fee, even though this man didn't have to do so. Conversely, let's assume you're refinancing your home in a perfect scenario= . You have perfect credit, lots of equity in your home, plenty of cash reserves, and the paperwork is very easy. The loan officer says he can complete your loan in two weeks, most of which will be consumed by the work of other people, such as title agents and an appraiser. This origination should not be much more than one percent of the loan amount and even smaller, if the loan amount is over $150,000. This is a loan that mortgage people refer to as "A Paper." It is very easy to close, and takes very little work, so the loan officer can make his money on volume, by doing lot= s of these types of loans. I always charged $1,500 or less for an A Paper loan. So, begin learning your closing costs by finding out what the origination fee is (remember, most of the time it's negotiable). One to two percent of the loan amount is acceptable, unless extraordinary circumstances exist. Mark Barnes is the author of the new novel, The League, the first work of fiction, based on fantasy football. He is also an investment real estate an= d home loan finance expert. Learn more about his suspense thriller at Get hi= s free mortgage finance course at From owner-freebsd-afs@FreeBSD.ORG Fri Jan 4 13:50:22 2008 Return-Path: Delivered-To: freebsd-afs@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id EE43C16A419 for ; Fri, 4 Jan 2008 13:50:22 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.249]) by mx1.freebsd.org (Postfix) with ESMTP id A029313C468 for ; Fri, 4 Jan 2008 13:50:22 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1413789aga.3 for ; Fri, 04 Jan 2008 05:50:22 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=iTfzt8jnmfp75s32sWmBJoCzSmgOO5dKbr6DiLGzzbs=; b=NEQYqvLuD8KCQ/Up4yW+nnxc+bGD384FJ/LXK4eyXkfL9Tj+E6Rny5e6kxBLCqaukz3pmwUmN0O2qfNPnHpYxKhjqEKACJcssId0QTyyntGsSbn4OiR5LNmEtnSmUPALO42f+zX3DlsnWEVxw0XbEB60V7CFgdJm2v1antpXy5o= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=kXivXd5Gu1hLdC/On2DENUaYIvsZby1w+B364nC2R5Dm5HaduPme9H4qZPbx3j0ST0g3zEmUKf+rZDjWgItX0cL3aC9pX+bc0iyzNxrKF+Yt0oQn0fuBtf96sj1ViL3ByWBxWQ09X+1dnV7oApK5WrIBjhFGv4FTM8MHfr3NkCw= Received: by 10.150.96.10 with SMTP id t10mr4594108ybb.156.1199454622049; Fri, 04 Jan 2008 05:50:22 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 05:50:22 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 15:50:22 +0200 From: "Super Star" To: freebsd-afs@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Douglas Della Toffalo, Web Design And The Psychology Of Colors X-BeenThere: freebsd-afs@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: The Andrew File System and FreeBSD List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:50:23 -0000 Douglas Della Toffalo, Web Design And The Psychology Of Colors Web design is not an easy task, especially if what you need is to create a business website in plain HTML, with a very simple layout, easy to navigate, fast loading and, above all, distinctive. To reach this purpose web designers don?t have too many options. Typically all they can do is blend colors harmoniously to create an appealing website that combines attributes of simplicity and logic while providing valuable content. It is therefore important for any designer to know what colors mean and what subtle message hides within every tone. Red is the warmest color, passionate and energetic: the color of romance, love and enthusiasm. Red is attention grabbing, alarming or charming: a mixture of paradoxes feelings and sensations. A good web designer understands red and its power: he or she will know where to use this color, how much of red means sales, how much will just drive visitors away. Take a look around and note how red is used on a daily basis: sales tags are red, a red Ferrari is anyone?s dream, a red rose is a passionate declaration of love, a red flag is often associated with war? Red is power, means power, inspires and motivates. As red, orange is warm, happy and full of life. It?s the color of fire and light. Orange is usually used for websites related to the food industry, but it could also work for lamp manufacturers and other entrepreneurs from the light and energy areas. Yellow is a dual color. It?s happy and inspiring but many people do associate it with cowardice and jealousy. Use it careful in web design, and never use it for fonts on a white background. Green means nature, purity and freshness. It symbolizes hope and growth. Usually companies selling herbal products, nutrients and cosmetics use a fresh green ? for example lime green ? to inspire their visitors. World class companies such as Yves Rocher or Garnier employ green a lot in their web design because they sell products based on natural plant extracts. Used in the wrong context, green might have negative connotations. Money is green ? too much green is often associated with greed or poison (Paris Green). Blue is a already a standard business-to-business color. Navy blue, or dark blue is used for business logos, business suits and so on. Even hospitals and health sites use blue for their design. Light blue symbolizes happiness and Heaven, while some shades of blue are depressing. Use blue carefully for web design. Violet is an exotic and royal color, associated with wealth, spirituality and meditation. It?s rarely used in web design, because it takes real skill to combine with other colors. Web designers use it mostly for ads and banners, as it grabs attention and calls to action. White is not a color, but the manifestation of all colors as one. White is associated with purity, divinity, modesty and simplicity. For web design white is the ideal choice. However, although in life, white is complete, online it always needs to be completed with other colors. Finally, black means the absence of white and the absence of all colors. Although, generally speaking, black has negative meanings (death, mourning, sin) it is still a very elegant color and, combined with the right colors it can make a great enhancement to your website. Anyway? you probably use black as the color of the fonts.