REALTORS? converge on Washington D.C. to support ...

Make your first call to Michael Seward at 413-531-7129 if you are looking to buy or sell a home in western Mass.

REALTORS? from across the country converged on Washington D.C. for a rally to protect homeownership.? The National Association of REALTORS? (NAR) has been working to make home ownership in America more attainable for over 100 years.? In 1900, fewer than 50% of Americans owned their home.?? Today that number is closer to 70%.

Members of NAR are rallying today to make sure that Congress understands the issues important to homeowners. These include taxation, real estate finance, property insurance, appraisal issues, and commercial real estate related issues.

Taxation

• The Mortgage Interest Deduction (MID)-REALTORS? are working to??? protect the mortgage interest tax deduction that homeowners take on their federal income taxes.
• Capital Gains-When a homeowner sells their primary residence, the profit that they make from the sale of their home (up to $250K for a single person and $500K for married couples) is not taxed. REALTORS? are working to protect this benefit.
• Property Tax Deduction-REALTORS? oppose any changes that would reduce or change current laws.

Real Estate Finance

• Government Sponsored Enterprises-NAR is supports reforms to Fannie Mae and Freddie Mac. According to REALTOR.org. ?NAR?s priority, which is to encourage private investors to return to the secondary market while replacing Fannie Mae and Freddie Mac with an entity that continues to back conforming loans but as a nonprofit, not as a for-profit company.?
• Credit Policies-NAR wants Congress to reassess the nation?s entire credit structure in an effort to make getting a mortgage easier for those who are good credit risks. Specifically, NAR supports ?The Helping Responsible Homeowners Act.?
• Short Sales-A short sale is when a bank agrees to accept less than what is owed on a property when it is sold. These have become more common, and necessary, in the wake of the economic meltdown. However, they are time-consuming and sometimes the banks even foreclose at a substantial cost and subsequently sell the property for even less that what they could have recovered if they agreed to a short sale in a timely manner. NAR continues to push the lending industry to expedite short sales, but is also seeking help from Congress to pass legislation to help make the short sale process more efficient.

National Flood Insurance

• Although Congress has been approving short-term extensions on the National Flood Insurance Program (NFIP). The existing extension expires at the end of May. NAR wants Congress to pass a 5 year extension by the end of May.

Appraisal Issues

• NAR supports the independence of appraisers and the appraisal process. NAR specifically opposes the use by Appraisal Management Companies (AMCs) of indemnification clauses, which puts pressure on appraisers and, subsequently, has an adverse impact on the integrity of the appraisal itself.

Commercial- NAR is asking Congress to consider legislation that will help the economy rebound by implementing the following with the goal of helping businesses.

• Accelerated depreciation on commercial real estate for tax purposes
• Lift the cap on credit union member business lending (MBL)
• Additional banking agency guidance related to term extensions
• Creation of a mortgage insurance program for commercial loans
• Improving credit availability for small businesses
• The creation of a U.S. covered bond market.

If you are planning on buying or selling a home in western Massachusetts, make your first call to Michael Seward at 413-531-7129.

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Iran angry, threatens to sue Google over leaving Persian Gulf 'nameless' on Google Maps

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World's Subways Share Common Mathematical Structure

The first subway I tried was in Berlin, Germany and it was somewhat daunting experience for someone who hadn't got used to the system. Previously I've only used systems where you pick what you want and get it.

But now there was tons of choices and moving around to get the whole trip finished. The lady over the counter would ask me tons of questions - like do I want white italian, parmesan & oregano, wheat or sesame bread. Southwest sauce, sweet onion, barbecue sauce or light mayo. Cheddar cheese, onions, lettuce, pickles, green peppers, jalapenos, with a choice of meat. Like pepperoni, salami, tuna, chicken, roast beef, meatballs, steak and cheese... ham or spicy italian... do I want extras like double cheese or bacon? Did someone say double bacon? Footlong or 6-inch...

The system greatly confused me. But being a warrior of food, I survived. I got my delicious subway. And you know what? Ever since I've loved subways. It is absolutely delicious. Chipotle southwest with ranch or light mayo is the ultimate sauce. What I cannot, however, understand is why would anyone put MUSTARD on a subway?

Oh dear god, American subway has PIZZA SUB [subway.com]? Why don't we have that here?? Aah, spicy pepperoni, cheese and marinara sauce. Do want.

Interesting story regarding pizzas, sandwiches and subways by the way. My old girlfriend used to LOVE tuna subways, while I only ate ham & cheese. She always laughed about it and told me to try something new. Too bad I didn't. But a few years later, I hit the wall. I could not eat anymore ham on pizzas or subways. It just started to taste like shit. I don't know why. But then I discovered the magical taste of tuna subways and pizzas along with salami and pepperoni and bacon. So for all of you who only eat one kind of ingredient all the time - do try something new. You only have one life to enjoy!

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The Healthy Hoff: Event: Cleveland Women's Wellness Resource ...

In honor?of National Women?s Health Week, Negative Space in Asian Town is hosting a Cleveland Women's Wellness Resource Fair & Film!

"The goals of the event are to increase awareness of health and wellness issues affecting women and expose attendees to different programs, services, products and local businesses that address health and wellness issues, including alternative therapies and fitness options such as massage, yoga and detoxification, plus much more!"

Itinerary:

4:00 - 7:00:?demonstrations of healthy activities and treatments, healthy food samples, get pampered, learn about local resources and find new ways to address common health concerns

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Product Review: MemorableGifts.com Personalized Gifts for Her ...

I was given the opportunity by MemorableGifts.com to review two great personalized gift items. I chose to review the designer handbag key chain and the personalized purse mirror, which I thought would both make fantastic gifts for any purse enthusiast! They can easily be found in the "personalized gifts for her" section of the Memorable Gifts website.
Designer Handbag Key Chain

The designer handbag keychain is a nice weight, not too heavy but still feels substantial and looks great against your keys. It also is a nice size that could be used as a purse charm on bags that lend themselves to have a charm on them. The opening of the keychain is especially nice, with a pivoting spring-loaded d-ring.

The designer handbag key chain has the option to be personalized with up to three letters. I chose to have it?personalized?with my nickname, "Di".

It comes in a great lined gifting box that is very presentable.

Envelope Shape Purse Mirror

The personalized envelope shape purse mirror is elegant and I love using it as a touch-up mirror in my purse. I feel like the overall design seems very sophisticated, and that it will be something that will last me a long time. It did not come with a protective cover to prevent scratches, but if you can find a small velvet or similar type bag - I think that would do nicely to keep it looking nice for years to come.

It can be personalized with up to 12 letters and I chose to personalize the mirror with my full first name, "Diana". I thought the script was especially beautiful on this one and I am going to enjoy bringing this mirror out of my purse to touch-up my makeup!

My verdict: MemorableGifts.com has a fantastic selection of gift items that you can add a special personalized touch for the recipient. I think that there are a number of occasions (graduation, weddings, holidays) that their items would be a great choice to find a gift - and I also think that the two items that I specifically chose to review would be the perfect gift for any handbag enthusiast.

Shipping was especially speedy and I received shipping notification updates every step of the way to be able to follow my order. Both items I?received?came in giftable condition in the boxes they arrived in and the personalization was placed on the items very nicely. It was easy to read and really stood out on the silver.

Watch my video review on these great personalized gift ideas here:

Learn more about Memorable Gift's selection of personalized gift items at:

Great personalized gifts for her and more! Items in Review:

Designer Handbag Keychain, $18.95:
http://www.memorablegifts.com/gifts/pc/Silver-Designer-Handbag-Key-Chain-43p2893.htm

Personalized Envelope Shape Purse Mirror, $23.95:
http://www.memorablegifts.com/gifts/pc/Envelope-Shape-Purse-Mirror-in-Silver-239p6994.htm

Stop by their Facebook page: www.facebook.com/memorablegiftscom

* Please note the products in this review were sent to the reviewer by the company to perform an independent review. I've given my honest opinions on the products mentioned.?

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Online Pay day loans and also Instant Cash Financial products ...

The phrase ?cash advance? accustomed to exclusively outline an option that the bank card owner were required to pull away cash employing their bank card in much the same they might his or her atm (Atm machine) credit card. In some cases, theyre also allowed to request the bucks improve through an over-the-counter deal having a lender teller. Consider it having access to instant cash financial products and then repaying it when the credit card costs comes. Even so, while using growing availability of on the web pay day loans, the definition of the particular phrases features for some reason expanded to feature quick loan requests which are accomplished along with accredited on the internet.

On-line pay day loans are basically pay day loans which might be applied for over the Web. This kind of mortgage support enables anybody who gets an income as well as a few fiscal form of payment to ascertain if they are certified for instant funds financial loans distributed by an internet mortgage lender. Naturally, there are numerous needs that should be achieved ahead of authorization could be given, out of the box the truth together with just about any loan application, however with this sort of cash loan, the procedure is likely to stop as protracted since people to get more conventional financial loans which are applied for inside finance institutions and also other finance institutions.

The requirements set simply by each online financial institution may vary, based on the underwriting criteria theyve got. Several might demand any particular one documentation become sent by means of send (facsimile) and the documents will then end up being reviewed just before approval is offered for immediate money lending options. These will frequently consist of proof recognition, an active checking account, proof revenue, along with an empty check out. The volume of files could also vary as well, with some companies that offer online payday loans simply asking for less than individuals mentioned while some may actually require more should they believe that the first documents sent in werent sufficient with regard to acceptance.

Thankfully if you are in dire demand for immediate cash financial products, you can find a progressively more large number involving on the internet creditors that dont need any paperwork whatsoever. As long as the average person looking for the amount of money improve has a bank account in to that this volume requested for could be deposited, they are generally granted acceptance. A persons eye rates for online payday advances fluctuate however they are referred to as getting greater than conventional financial loans due to greater risk taken on through the on the web creditors. Payment might be instantly withdrawn through the loaners bank-account however this specific, also, isnt consistent.

Lucio Venn blogs with regards to Online Cash Loans

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<a href="http://www.tuto-rial.com/2012/05/online-pay-day-loans-instant-cash-financial-products/">Online Pay day loans and also Instant Cash Financial products</a>

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Featured in DC Magazine&#39;s Food and Drink Guide | Lincoln Restaurant

April was DC-Modern Luxury Magazine?s annual ?Men?s Issue? and LINCOLN was featured in the essential Dining Guide:

This Thomas Circle restaurant?s floor may be lined with nearly one million pennies, but the real shine happens on the seasonal small plates and all-American cocktails.

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