Colorado Home Owners ? Refinance Options if You're Underwater

www.comortgageresource.com Local Denver Real Estate Mortgage Lender, Jocelyn Predovich, provides information on the HARP (Home Affordable Refinance Program) as a solution for homeowners underwater on their mortgage. Colorado & NMLS Licensee LMB100010141, 278104 Universal Lending Corporation NMLS # 2996 1624 Market Street Suite 202 Denver CO 80202 Check the license status of your mortgage loan originator at www.dora.state.co.us
Video Rating: 5 / 5

Source: http://whatismortgagerefinancing.com/colorado-home-owners-refinance-options-if-youre-underwater/

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Gary Busey files for bankruptcy in Los Angeles (AP)

LOS ANGELES ? Court records show Gary Busey has filed for bankruptcy and is listing more than $500,000 in estimated personal debts.

Busey's filing on Tuesday in Los Angeles provides few details but includes more than a dozen potential creditors.

The actor and reality show star does not state a reason for the filing. His manager Ron Sampson wrote in a statement the filing provides Busey "a new and clear path" to personal and career success.

The filing states the 67-year-old has less than $50,000 in assets.

Busey has starred in numerous films including "Point Break" and "Lethal Weapon" but has in recent years appeared more on reality shows such as "Celebrity Apprentice."

The filing was first reported Wednesday by celebrity website TMZ.

Source: http://us.rd.yahoo.com/dailynews/rss/movies/*http%3A//news.yahoo.com/s/ap/20120208/ap_en_mo/us_people_gary_busey

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DocX faces forgery charges over foreclosures

By msnbc.com news services

In one of the first criminal prosecutions in the post-housing bust era, DocX has been indicted on forgery charges by a Missouri grand jury, The New York Times reports.

A grand jury in Boone County, Mo., handed up an indictment Friday accusing DocX, one of the largest companies that provided home foreclosure services to lenders across the nation, of 136 counts of forgery in the preparation of documents used to evict financially strained borrowers from their homes, the Times said.

Lorraine O. Brown, the company?s founder and former president, was indicted on the same charges, according to the report.

DocX is a unit of Lender Processing Services of Jacksonville, Fla. Its employees reportedly executed and notarized millions of mortgage documents for big banks and loan servicers over the years. Lender Processing closed the company in April 2010 after it saw evidence of apparent forgeries in its documents -- a practice now called ?robo-signing.?

Robo-signing is the practice of a bank or lender service employee signing thousands of documents and affidavits without verifying the information contained in them.

?The grand jury indictment alleges that mass-produced fraudulent signatures on notarized real estate documents constitutes forgery,? Missouri Attorney General Chris Koster, who is investigating DocX, said in a statement, according to the Times. ?Today?s indictment reflects our firm conviction that when you sign your name to a legal document, it matters.?

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Source: http://bottomline.msnbc.msn.com/_news/2012/02/07/10340006-docx-faces-forgery-charges-over-foreclosures

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Motorcyclist Clotheslined 25-Feet In the Air, Falls Hard [Video]

A circus performance at the The Dow Event Center ended abruptly when a motorcycle jump went horribly wrong and the rider hit a wire at the apex of his jump. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/TQuIU5C4PGg/motorcyclist-clotheslined-25+feet-in-the-air-falls-hard

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Frozen sauerkraut causes German motorway chaos (Reuters)

FRANKFURT (Reuters) ? Piles of sauerkraut tumbled out of a truck on a busy German motorway and quickly froze to the autobahn surface, causing a massive traffic jam near Frankfurt during Tuesday's morning rush hour, police said.

A truck carrying hundreds of packages of the famous German pickled cabbage delicacy crashed into another vehicle before dawn near the western town of Friedberg near Frankfurt and scattered its contents across the motorway.

With temperatures far below zero for the last week, the sauerkraut froze almost instantly and created impassable obstacles, causing traffic to back up for 10 km. The motorway was completely shut down for four hours while authorities struggled to scrape the frozen sauerkraut away.

(Reporting by Alice Baghdjian; editing by Erik Kirschbaum and Paul Casciato)

Source: http://us.rd.yahoo.com/dailynews/rss/oddlyenough/*http%3A//news.yahoo.com/s/nm/20120207/od_nm/us_germany_sauerkraut

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Benefits of Joining a Day Trading Club | Investment management ...

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Source: http://www.investmentmanagementcalculator.com/benefits-of-joining-a-day-trading-club.html

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DIY insulation projects make for a more comfortable home year ...

Feb. 1, 2012 |(0) Comments

(ARA) ? Do-it-yourself home improvement projects are more popular than ever, as homeowners are looking for simple, low cost ways to update their household and increase overall home efficiency. Kitchen upgrades and a fresh coat of paint can make a big difference aesthetically, but sometimes the most effective DIY projects happen in areas not always visible.

For example, small insulation changes are easy and can help improve indoor comfort. Additionally, ensuring adequate insulation can have a significant positive impact on your monthly heating and cooling costs year round.

While it may seem as though your home is airtight, cracks and gaps that are not easily seen can cause air infiltration, as well as the loss of conditioned indoor air. not only can reduced air infiltration cut the cost of energy bills, it can also help improve the indoor air quality of the home.

?Now is a great time to tackle those air sealing and insulating projects to ensure your home is as comfortable as possible this winter season,? says Matt Girand, director of products and programs for Owens Corning Residential Insulation, LLC. ?From insulating to sealing around windows and doors, there are a number of DIY options available to homeowners that can be completed in as little as one hour, but will last year round.?

Start from the topThe core of a home?s comfort and energy efficiency lies in its insulation, and adding a layer of insulation in your attic can be completed in a few easy steps. first, determine how much insulation is already in your attic, the Department of Energy (DOE) recommends a minimum of 18 inches of attic insulation for most areas of the United States. as a general rule, if you can see the floor joists in your attic, your insulation is not thick enough. Owens Corning offers a number of tools, including an insulation calculator to help homeowners determine exactly what they?ll need to insulate their home.

Adding a layer of insulation to your attic is easy, fast and affordable. Owens Corning(TM) EcoTouch(R) insulation will bring more comfort to your home and reduce monthly heating and cooling costs year round. although savings vary, you can find out why in the seller?s fact sheet on R-values. Higher R-values mean greater insulating power. EcoTouch Insulation is manufactured with 58 percent recycled content and verified to be formaldehyde free.

Seal it upCracks along windows and doors allow air and pollutants to seep into the home, and conditioned air to exit. To determine where air leaks might be located in your home, the U.S. Department of Energy recommends checking areas such as baseboards, or around doors and wall or window-mounted air conditioners, for signs such as missing weather stripping that indicate air might be filtering in and out. Gaps around pipes and wires, electrical outlets and foundation seals should also be examined. If you have difficulty locating leaks, visit EnergySavers.gov to learn how to execute a basic building pressurization test.

Once you?ve uncovered the location of the leaks in your home, the next step is to address the problem. Hardware stores sell self-adhering weather stripping and window insulation kits that are affordable and effective. To close gaps around pipes and vents, consider purchasing caulk to seal the opening.

Ventilate Proper ventilation is also important to ensure optimal indoor air quality. according to The Alliance for Healthy Homes, proper ventilation can control indoor humidity and airborne contaminants. one way to promote ventilation in areas of the home that may be more susceptible to moisture is to install exterior exhaust fans. Commonly needed in a home?s kitchen or bathrooms, exterior fans help push damp air outside.

Whether you reside in a warm climate or the Snow Belt, proper insulation and ventilation in the home can result in better indoor air quality and greater comfort, for the winter season and beyond. For more information, visit OwensCorning.com.

Source: http://windowreplacementusa.com/home-window-replacement/diy-insulation-projects-make-for-a-more-comfortable-home-year-round/

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Homes for Sale in the Ipswich Country Club Golf Community in ...

Want to live on the Ipswich Country Club? ?Here is your chance! ?These are all of the homes currently for sale at the Ipswich Country Club in Ispwich, Massachusetts. ?Contact us for more information or to request a showing today. ?Thank you!

Showing properties 1 - 7 of 7. See more Ipswich Country Club tract real estate.
(all data current as of 2/5/2012)

  1. 4 beds, 4 full, 1 part baths

    Home size: 5,948 sq ft

    Lot size: 15,144 sq ft

    Listing provided by Gwen Washburn, Coldwell Banker Residential Brokerage - Topsfield

  2. 4 beds, 4 full baths

    Home size: 4,284 sq ft

    Lot size: 10,940 sq ft

    Listing provided by Susan Whelton, The Martin Group, Inc.

  3. 2 beds, 2 full, 2 part baths

    Home size: 3,147 sq ft

    Lot size: 7,000 sq ft

    Listing provided by Karen Tutrone, RE/MAX On The River, Inc.

  4. 3 beds, 2 full, 2 part baths

    Home size: 3,918 sq ft

    Lot size: 7,202 sq ft

    Listing provided by Gwen Washburn, Coldwell Banker Residential Brokerage - Topsfield

  5. 4 beds, 3 full, 3 part baths

    Home size: 6,780 sq ft

    Lot size: 1.05 ac

    Listing provided by Peter Souhleris, Souhleris Realty

  6. 3 beds, 4 full, 1 part baths

    Home size: 5,082 sq ft

    Lot size: 23,958 sq ft

    Listing provided by Rubino Group - Boston North Homes, Keller Williams Realty

  7. 3 beds, 3 full, 1 part baths

    Home size: 3,635 sq ft

    Lot size: 6,335 sq ft

    Listing provided by Dudley Miller, J. Barrett & Company


The property listing data and information set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information set forth herein.

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The property listing data and information set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information set forth herein.

This IDX solution is (c) Diverse Solutions 2012.

Source: http://massrealestatehomesforsale.com/ipswich-country-club-golf-community-of-ipswich-ma/

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Puddle Provides a Veritable Flood of a Good Time | Video Game ...

Posted by Pascal Tekaia on Monday, February 6, 2012 ? Leave a Comment?

Puddle Review - BnBGaming

Not Just Another Drop in the Bucket

Puddle is one of those rare gems that comes along only a handful of times in each console generation: simple in its concept, masterful in its design, brilliant in its execution. Neko Entertainment picked up and perfected this unique puzzler, in which players must manipulate the world to guide a puddle of liquid through each level, a concept as deceptively simple as it is deviously challenging. As you take control and take charge of your puddle of liquid, you?ll often find yourself wincing in heartfelt anguish everytime a drop gets lost, obsessively jamming the retry button again and again ? Puddle creates a parent/liquid relationship unheard of in gaming history.

What starts out as a simple plastic cup of coffee quickly, with the player?s help, turns into a jaw-dropping journey through a mix of eclectic and gorgeous environments, all from the minimalist perspective of a few drops of moisture. Players will be tasked with surviving scalding heat, freezing blasts of air, and bolts of electricity threatening to vaporize the precious liquid. Traps and obstacles galore await as you navigate slimy sewer tunnels, through the outdoor lushness of a plant nursery, along electric wires, laboratories ? even make your way along arterial passageways through the human body and travel into outer space aboard a rocketship! Suffice it to say, most games can only dream of portraying the kind of amazing journey that Puddle offers.

Simple Is as Simple Does

Puddle Review - BnBGaming

Fluid movement is...well...as fluid as you could want.

And simple is what Puddle?s mechanics are all about. The entire game is controlled through the left and right triggers, with each one tilting the game world approximately 15-20? into the corresponding direction. While the goal is to get as much of the liquid as possible across the finishing line, players are never in direct control of it, instead having to master the physics of inertia, friction and momentum to manipulate the fluid to their wills. These simple techniques, that are at the heart of everyday life, ingrained in our every motion, come together seamlessly and effortlessly in gameplay, and easily carry the game. In fact, they create what may well be one of the most challenging experiences in gaming; no made-up laws here, no double jumps or speed power-ups. Just physics, recreated faithfully as never before, and you can?t fight with Mother Nature!

But it?s more than just the laws of physics that the developers nailed. The true-to-life fidelity displayed by the various forms of fluid in the game is quite simply unheard of! Water will bond together if given the opportunity, but move it too fast, or cling precariously to the edge of a precipice, and it will split apart into individual pearls of liquid, which each respond to movement depending on their individual sizes and volumes. And as if the impressive fluid motion wasn?t enough, Neko Entertainment frequently switch up the type of liquid being used, each with its own true-to-life properties. In the course of the game, players will take control of not only H2O, but plant fertilizer, trinitrate, molten metal, a rat?s globuled innards, and other substances.

Puddle Review - BnBGaming

Imagine all the sights and sounds once your liquid is ingested; yes, you WILL go there!

But Puddle takes things even one step further. Interspersed between the ?get the liquid from point A to point B? stages are courses that introduce novel liquid-related gameplay concepts, usually just for the duration of one stage. Notable experiences include having to maneuver a snow globe through a sewer system without rupturing it and losing the valuable liquid contained within; controlling a fire truck attempting to extinguish a blaze; and swinging a flaming bucket to ignite water sprinklers, creating liquid for the next stage. In fact, each leg of the journey, starting with coffee escaping from a plastic cup, is a study in cause and effect, one fluid completing its journey to send the next on its way, culminating in a grand finale in a fission reactor.

The Refreshing Sights and Sounds of Water

Graphically, Puddle employs a heavy use of foreground silhouettes, much like games such as Limbo. The backgrounds, though not serving any purpose beyond providing a backdrop setting, are generally lush and pleasant, using muted, cool colors, and combine with the foreground to create sharp sceneries for your adventures. Specific stages adopt unique styles to complement the atmosphere, such as entire areas viewed in infrared in the ?Foundry?, or a washed-out, monochrome X-ray look for the entirety of the ?Human Body? level. The effect of controlling ink as it flows around a porous sheet of paper in the ?Director?s Chart? stage was also impressive, if for no other reason than that it was only employed for one brief stage to better serve the story.

Puddle Review - BnBGaming

Let your ink stray into the marked areas, and it will be erased from existence, quite literally.

Sound design, too, was kept as simple as possible. Overall, each separate level of the game had its own musical theme, with slight variations in rhythm or intensity depending on the situation within each stage. The pulsing beating in the ?Tension? stage fit the theme of coursing through the body?s organ system incredibly well, and as it ramped up, so did my own blood pressure. Slight touches were present in many other levels, as well: the music changed dynamically as the leaves fell off the bush in ?Green Flow?, and the crescendoing theme of ?Fission? as you moved closer and closer to the center of the core was quite energizing. In short, the game maintains the same elegant simplicity in its presentation and style that it employs in all areas of its design, and often nothing short of breathtaking.

The Final Verdict

Puddle will appeal to any gamer who isn?t a slave to the twitch impulse that fast-paced online fragfests rely upon. (As my ten-year-old son said, upon seeing Puddle: ?This is a game?!?) While ultimately a mash-up of puzzle game and platformer, Puddle has enough charm to give everyone something to love. The game provides an immense challenge ? it wasn?t uncommon for me to expend upwards of thirty, forty, even up to fifty attempts at some of the later stages -, cool graphics, and at every turn provides new water-cooler moments with its continuous arc, amazingly realistic physics, and creative places it?ll take you to. In sheer terms of unforgettable gameplay experiences, this may be one to remember, even though the year has just begun, as an early contender for game of the year.

Mark of Excellence Award Stamp - BNBGAMING

Source: http://bnbgaming.com/2012/02/06/review-puddle-360ps3/

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Elder Care Law

Along with medical record retaining, it will be important for home health care patients and their families to be properly versed in all the legal concerns involved with health care and finish of life issues that can occur with aging. There are lots of organizations focusing on elder care legal assist, including The American Bar Affiliation?s (ABA) Fee on Legislation and Ageing (americanbar.org) and The National Academy of Elder Legislation Attorneys (NAELA.org).

As a normal overview, patients ought to have the next legal paperwork prepared, signed and updated whereas they?re nonetheless of sound mind and physique and caregivers ought to know where these paperwork are situated:

1. Advance Well being Care Directive ? a legal doc in which an individual specifies the kind of medical intervention and long run care selections to be made on their behalf if they?re unable to speak; the two main sorts are a dwelling will, which gives detailed directions for the type and scope of health care that should be supplied (equivalent to respiration machines, life help, etc.) and a durable power of legal professional for health care, which appoints a selected person (often an grownup little one) who has the legal power to make selections on behalf of the person if they?re incapacitated.

2. Wills and Trusts ? these paperwork outline what?s going to happen to the person?s property, possessions and some other asset after they pass on; these paperwork will not be only for rich people ? everybody ought to have some type of will or trust to forestall any legal problems among members of the family after their death.

3. Guardians and Conservators ? these are people who may be legally appointed to make selections for the person in the event of incapacitation; a guardian is concentrated on health care selections whereas a conservator has extra to do with the person?s estate.

The following are all paperwork that the patient ought to have of their possession or in a secure place, equivalent to a security deposit box:

? Beginning certificate, marriage certificate, divorce certificate (if relevant)
? Social Security information
? Health insurance data
? Life insurance coverage data
? Statements and account numbers for all types of investment accounts (401k, IRA, mutual fund, annuity, pension, bank account, etc.)
? Medicare paperwork
? Funeral prearrangements including fee data
? Mortgage papers and different actual property data
? Detailed information about every health care provider and prescribed remedy
? Bank card data
? Tax data and copies of tax returns
? Navy records.

This post is written by Luis Garcia 26, he is a web enthusiast and ingenious blogger who loves to write about many different topics, such as embroidered polo shirts. His educational background in journalism and family science has given him a broad base from which to approach many topics, including embroidered polo shirt and many others. He enjoys experimenting with various techniques and topics like shirt embroidery, and has a love for creativity. He has a really strong passion for scouring the internet in search of inspiational topics.

Source: http://www.rustyroof.com/elder-care-law.html

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