Bank of the West has seen a rise in mortgage loan applications since April as homeowners seek to take advantage of low interest rates under the government’s Home Affordable Refinance Program (HARP) 2.0.
For consumers wanting to learn more about HARP, Bank of the West has published Eight Essential Harp Tips and introduced an educational video series on HARP loans that can be viewed on YouTube at YouTube.com/Bankofthewest.
“We are anticipating that one out of every five new borrowers will be a homeowner seeking a HARP 2.0 refinance loan this year,” said Karen Mayfield, Bank of the West’s National Sales Manager for the Mortgage Banking Division. “This program is providing real relief for homeowners who are current on their mortgage but have been unable to refinance due to a decline in the value of their home.”
To view Multimedia News Release, go to http://www.multivu.com/mnr/54577-bank-of-the-west-mortgage-loan-applications-refinance-harp-2-0
It’s no surprise that moms are some of the busiest people around with so much to do and never enough time to do it. From working a full time job to getting the kids off to daycare to attending soccer games to chaperoning a slumber party, a mom's feet never seem to stay still.
What’s a busy mom to do? National Lifestyle Expert and Mom Tara Aronson will provide helpful tips to help moms stay organized and on top of their hectic schedules. Tara will discuss everything from time management and handling stress to tips on being efficient during meal and bath times.
Astronaut Ron Tries To Stop The Apollo 17 Hoax Simulation At Launch.
This Video As You Hear & See it, From NASA's Public Domain Movie:
Apollo 17 : On the Shoulders of Giants (1973)
NASA did redacted editing & cleaning up of the text, to cover what they really said in the written records of the Astronauts conversations.
ALL NASA FOOTAGE USED IN THIS VIDEO IS PUBLIC DOMAIN. THE USE OF ANY COPYRIGHTED MATERIAL IS USED UNDER THE GUIDELINES OF 'FAIR USE' IN TITLE 17 § 107 OF THE UNITED STATES CODE. SUCH MATERIAL REMAINS THE COPYRIGHT OF THE ORIGINAL HOLDER AND IS USED HERE FOR THE PURPOSES OF EDUCATION, COMPARISON, AND CRITICISM ONLY. NO INFRINGEMENT OF COPYRIGHT IS INTENDED.
Now lets step back and look at this little mess we?ve got and all the rough spots dragging through the mud, dragging through the mud, dragging down. And these knees are products of instability, from you and me. Now lets step forward and figure out our next move, cuz you know I cant keep myself from loving you. But if its what I?ve gotta do oh I can bite my lip, spit out blood, and watch you leave. All I?ve got to do is wait it out. And all I?ve got to do is wait it out, oh im waiting out. Now before we go further theres just one thing that I?ve gotta say, so listen up. I?ve been waiting days and nights for something from you, to land on me. Oh please land on me. All I?ve got to do is wait it out. And all I?ve got to do is wait it out. And maybe I think that we?ve got it down, I know that its been rough but baby we?ve got sound. And if you feel the same way, I?ll write you a song every day. Just please don?t leave me here.
http://debbiewilliamsassociates.co.uk/ Visit my site and download the full length recording to help you to stop worrying and create a wonderful life to programme your mind to have a wonderful life. This is the first few minutes of a full recording programming your mind to not only let go of the worrying habits but to plant suggestions of making your life better. If you click the link you can read more of what is on this hypnosis trance by Birmingham hypnotherapist and NLP trainer Debbie Williams. If you think
Not many people are really able to keep things under tight wraps. Certainly, many a jailbird might be able to or the occasional secret agent perhaps, but at the latest when it comes to grandpas and grandmas, best friends or any typical gossips, information leaks are everywhere. Even in Hillary Clinton’s administration, much to the enjoyment of Wikileaks. However, in Düsseldorf a branch of trade is currently presenting leak-free products, guaranteed for 50 years. If only everyone were able to do what the valves on display at the Valve World Expo are capable of.
Carol Platt was caught in the middle of the economic downturn with no backup plan. Searching for a stable job in an unstable economy proved to be difficult without a college degree. Her work history and past successes were overlooked. It had always been a dream of hers to complete her degree; after a failed first attempt, she was unsure of her ability to follow through. She began researching online education options and felt that Kaplan University stood out; she decided to complete her college degree online. Carol enrolled in Kaplan University’s School of Business and Management and earned her bachelor’s degree online, focusing on business with an emphasis in human resources.
The adult continuing education program at Kaplan University is designed for working professionals who seek to further their career or, like Carol, want to earn their university degree online.* Students can complete assignments on a schedule that fits their lives. It’s this type of flexibility that helps prepare Kaplan University online students for success. Even if you already have an established career, it’s never too late to consider online business school to further your knowledge and update your skills. Increase your marketability with one of Kaplan University’s online bachelor degree programs without taking time off of work to attend class.
* Kaplan University's programs are designed to prepare graduates to pursue employment in their field of study, or in related fields. However, the University does not guarantee that graduates will be placed in any particular job, eligible for job advancement opportunities, or employed at all. Additional training or certification may be required.
“I grew up in Graham, North Carolina. My parents both worked for the textile mills, both had fourth grade educations and my mom always wanted me to get an education. When I graduated from high school it was my dream to go to college. I failed the first class of my life which was my chemistry class. I was just overwhelmed so I left after about a year and half, got a job and kept trying to go back to school. For me it was personally devastating. It really bothered me. I felt like I was failing. I had one shot and I blew it.
When Jenna left for boarding school I couldn’t even open the door and go in the room and I was almost 52. All of that coincided with the downturn of the market. I had almost $6 million dollars in contracts waiting to close and they all fell through—every single one of them. I thought, ‘now what? I don’t have a degree, there are no jobs.’ It doesn’t matter what I had done or how much success I had, the requirements are to have a degree. Not only that, I had to walk back in the door competing with people half my age and many of them had MBAs.
It was just a matter of figuring out how to do it—so that’s when I started to check into what were the institutions, what was the cost, how were they respected. Kaplan [University] had a degree in business with a specialty in human resources. As I started narrowing the options down, it made it into about the final three. I took those three finalists to my traditional education friends and I said, ‘I want to know what the most respected online degree would be if someone was coming into your office looking for a job.’
The IT Dean, the Computer Science Dean, felt like Kaplan [University] had the best online delivery program that was out there. The Academic Dean’s advice was that this is a respected degree that you’re not going to have people questioning whether you were competent when you came out. Everything that you take there will be accepted if you go on to a master’s [program] anywhere so that was a very good recommendation. When I sat down at graduation, 31 years later, and I’m looking up at the podium and it says, ‘Kaplan University: a Different School of Thought’ that was probably more me because I do think a little differently. I’m willing to work on things that innovate and I think that’s more of an opportunity for me and many students like me.~N
“Across the country we’re seeing an alarming number of what we call staged accidents,” said Joe Wehrle, NICB president and chief executive officer. “These are crashes that are made to look like accidents, but in reality are carefully orchestrated scenarios aimed at collecting medical and vehicle damage payments from insurers. The simple truth is they are expensive and dangerous. We are working with our member insurance companies and law enforcement partners to put the people that commit these crimes behind bars.”
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/nicb/43814/
Family-owned Bacardi Limited officially marks the 150th anniversary of the founding of the Company and its iconic BACARDI® rum brand on February 4 with activities around the world honoring the world’s favorite rum brand. The Company is celebrating its spectacular growth from a small distillery founded by Don Facundo Bacardí Massó in Santiago de Cuba in 1862 to what is now the world’s largest privately-owned spirits company.
To view Multimedia News Release, go to http://www.multivu.com/mnr/53404-bacardi-limited-150th-anniversary-family-celebration-birthday-parties-rum
Kaplan University nursing alum Debra Eppley was already working in the nursing field when she started her RN-to-Bachelor of Science in Nursing completion program (RN-to-BSN program). Kaplan University’s flexibility and support offered her the opportunity to complete her degree online while continuing to work. Once she completed her Bachelor of Science Nursing online, she was able to make a career move that not only increased her salary, but also her level of job satisfaction.
Kaplan University makes taking online nursing classes a streamlined process. Every day nurses choose Kaplan University for their online master’s degree programs. The distance learning curriculum makes a nursing degree obtainable for working professionals. Nursing as a career is a rewarding occupation that could allow for a wide range of employment opportunities beyond the hospital doors.* The Kaplan University School of Nursing offers online nursing degrees such as an the RN-to- BSN completion program, the RN-to-MSN option, and nurse practitioner certificate programs† to help get you where you want to be. Nursing programs at Kaplan University, including the MSN programs online, are designed for nurses that are already in the field. It’s this unique approach that sets Kaplan University apart.
*Kaplan University's programs are designed to prepare graduates to pursue employment in their field of study, or in related fields. However, the University does not guarantee that graduates will be placed in any particular job, eligible for job advancement opportunities, or employed at all. Additional training or certification may be required.
† At this time, the nurse practitioner certificates are available only in the following states: California, Connecticut, Delaware, Florida, Iowa, Michigan, Mississippi, Montana, Oklahoma, Rhode Island, South Carolina, South Dakota, and Vermont.
“I got out of high school and started working. I had a family very young. About the time I was 28 I decided I needed to go to school. I went and got my associate’s degree in nursing at that time. I had worked in labor and delivery, and that’s my niche. I like it–I like babies, I like seeing families with their babies. Then I thought, I love floor nursing but there was something else I wanted to do.
We are in Coshocton, Ohio, which is very near to the heart of Amish country. I just needed to step out and do something else for myself. What I thought I would like to do required a bachelor’s degree and so I started looking down that road. I had kind of shopped around on the net looking for every last online class. You’re looking at price, you’re looking at length, you’re looking at what kind of clinical requirements are there–especially for me in nursing. I just started weeding and narrowing it down and I kept coming back to Kaplan University because it seemed to fit what I wanted to do at that time.
I enrolled to start my bachelor’s degree. There were times when I thought I was going to quit–family life is too much, work is too much, school is too much. I thought, no wasn’t an option. But of course that thought of having that extra two year degree bumps that salary up immensely. I was also thinking, ‘I’m going to have four kids I have to put through college, because now I’m encouraging them to go to college so I need to find a way to help them pay for that, too.
Financially going back to school was a huge plus. This January the head of OB at the time decided to leave her position, and it was open. They posted the job and I debated long and hard because I thought, ‘It’s too soon,’ ‘I can’t be there yet,’ and after much coaxing from a few of my coworkers, my husband, and my mother, I went ahead and I applied for the job and they hired me.
I started the end of March; I am now the OB coordinator, so I manage the whole OB department. It’s just a huge feeling of pride. My Kaplan [University] experience was fantastic. They just want to see you succeed and they want to help you get there. You have a job, you have a
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Apollo 16- Lunar Rover Engine Muffler Noise is Heard in The Nevada Fake Moon Bay -An Engine Needs Oxygen To Burn The Fuel -It Will Not Work in A Vacuum Environment As On The Real Moon.
This Video As You Hear & See it, From NASA's Public Domain Movie:
Apollo 16: Nothing So Hidden (1972)
NASA did redacted editing & cleaning up of the text, to cover what they really said in the written records of the Astronauts conversations.
ALL NASA FOOTAGE USED IN THIS VIDEO IS PUBLIC DOMAIN. THE USE OF ANY COPYRIGHTED MATERIAL IS USED UNDER THE GUIDELINES OF 'FAIR USE' IN TITLE 17 § 107 OF THE UNITED STATES CODE. SUCH MATERIAL REMAINS THE COPYRIGHT OF THE ORIGINAL HOLDER AND IS USED HERE FOR THE PURPOSES OF EDUCATION, COMPARISON, AND CRITICISM ONLY. NO INFRINGEMENT OF COPYRIGHT IS INTENDED.
