Archive for 'cant'

Earthquakes, Natural Disasters Can’t Shake Seattle Data Center; New Green Design Also is Environmentally Sensitive, Offers Cost Savings

Saturday, February 19th, 2011 at 2:28 am  
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Seattle, WA (PRWEB) May 23, 2007

In May, Adhost Internet, a leading provider of Seattle colocation and shared server hosting, opened a second data center in downtown Seattle’s Fisher Plaza built to withstand whatever nature dishes out — whether it’s an earthquake, a power outage or a broken water main.

“We know it’s critical that our customers’ business servers be up and running, no matter what,” said Will Riffle, Adhost President and CEO. “We can’t afford to have an earthquake damage our facility…or for the power to go out. So we designed a fail-safe facility that would keep business servers humming along — even during a catastrophe.”

The new data center, dubbed Adhost West, was built using top-notch technology and a meticulous design. It’s adjacent to the data center Adhost opened three years ago. Both are housed in Seattle’s high-tech fortress Fisher Plaza, a Northwest telecommunications hub that’s also home to other safety-sensitive companies including KOMO 4 Television, Fisher Radio, AT&T, AboveNet, Time Warner Telecom, MCI, Verizon and more.

Built to meet or exceed N+1 standards for all of its critical systems — Fisher Plaza can withstand earthquakes, severe windstorms, power outages and other calamities. Adhost’s servers are housed in secure buildings that exceed California seismic zone four standards — the toughest in the nation and the same for new hospitals and police stations. With round-the-clock monitoring by in-house technical support staff, some of the region’s biggest businesses have servers colocated at Adhost that chug along hour after hour, day after day, 24×7.

But Adhost’s Seattle data center isn’t just secure, it’s also environmentally sensitive. Adhost is cutting energy costs and consumption with louvers that wrap around the outside of the facility. These louvers exchange air with the outside when it’s cold enough, reducing Adhost’s consumption of electricity for data center cooling in chilly Seattle.

“We had a chance to build smarter — and greener — and we took advantage of that,” Riffle said.

Adhost’s new data center also features jumbo-sized 42-inch deep cabinets that accommodate today’s cutting-edge servers. At the same time that servers are being built to run faster and consequently hotter, Adhost’s greener design is helping reduce energy costs and the power needed to cool them.

Take a tour of Adhost’s new data center by contacting Adhost at 206-404-9000.

Adhost West Features:


100 tons of N+1 cooling utilizing environmentally friendly external air exchange
450 KVA N+1 at full build-out with a common bus for true UPS fail-over
Perimeter and interior card key access system with 24x7x365 security monitoring
Seismically braced cabinets with lockable front and back doors for added security
Pressurized floor with up-flow air system
Building redundant core network

Both data centers deliver 24-hour surveillance of visitors by security guards and cameras. All of Fisher Plaza is connected to eight multi-megawatt generators that can run at full capacity for weeks with emergency refueling. Plus there are two emergency wells, which can supply water to cooling towers if city water is unavailable. For a full list of data center features, visit our Seattle Data Center Specifications.

About Adhost

Adhost Internet is a one-stop Web services provider, delivering complete server colocation along with cutting-edge Web design, customer-friendly e-commerce tools and round-the-clock security and tech support. Everyday, Adhost’s skilled server administrators and Web developers help Seattle-area companies make the most of the Internet–something they’ve done for over a decade. Whether it’s a small or medium-sized business or a big name like Boeing, the Seattle Seahawks or Tully’s Coffee, Adhost delivers Web site solutions that work. Find out more at www.adhost.com.

# # #





What kinds of jobs can you get if you’re a young teen who can’t drive yet?

Monday, February 7th, 2011 at 10:56 pm  
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Question by raindrops: What kinds of jobs can you get if you’re a young teen who can’t drive yet?
I’m not old enough to drive, and I’m usually stuck at home. I don’t want to do things like “mow the lawn” or “walk the dog” or “wash the dishes”… i need something really fun and entertaining to do during this summer that will make me earn a few bucks so I can shop for new clothes. I AM A TEEN GIRL WITH NOTHING TO DO DURING SUMMER. (Nothing inappropriate!)

Best answer:

Answer by Roy M
those jobs you don’t want to do are the jobs that are for kids just like you, you have to start somewhere that’s whats wrong with you kids these days you want all the easy jobs right off the bat. i mowed the grass, fed cattle, fed hogs, cleaned out chicken coops, cleaned peoples garages, took out peoples trash, culled lumber at a lumber yard, painted fences, painted houses, and many other things and started when i was 6 years old, after you do all that stuff you appreciate it more when you get a better job. when i got my dl i started working at a grocery store but i still had a part time job working on a farm. i always had nice clothes and always had a nice car and all my friends were envious of me. it got me through med school and let me tell you i have a nice life, but i miss those years.

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BET YOU CAN’T JUST READ ONE story in “Barking Up The Right Tree: Tales Out of Dog School!”

Tuesday, February 1st, 2011 at 1:54 pm  
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(PRWEB) September 7, 2004

Bet You Can’t Just Read One Story

In Vera Reeves’ new book: Barking Up The Right Tree: Tales Out of Dog School!

Remember that Dear Abby is accused of making up tales — these are real people, real dogs and real stories — so enjoy looking into the mirror!

“If these stories don’t touch your heart, you are not human, or worse, you have never loved a dog!” (Judy Kempler, President, North Bay Working Dog Association, Santa Rosa, CA)

“What an entertaining and literate writer Reeves is! I can sincerely recommend ‘Barking’ to my clients.” (Dr. Kerrin Hoban, veterinarian and behavior consultant, Santa Cruz, CA)

A true original, Reeves’ irreverent wit and candor about human behavior quirks (including her own) is as sharp as her eye for finding the hidden talents in dogs, many of which had been branded “incorrigible”. As a professional trainer and vocal advocate for dogs’ rights for more than 35 years and an expert witness on dog behavior in Federal Court, Reeves knows exactly what is wrong with wayward and disagreeable dogs: their humans, and the often ludicrous advice they are given by self-styled experts.

Humorous and moving anecdotes about dogs are timeless and have always been popular. This book goes much further. Each story deepens the readers’ understanding of the true nature of dogs and teaches a lesson about finding and guiding the (often overlooked) talents in our canine companions.

From soothing the angst-ridden owner of Dixie, the young, boisterous Doberman, bent on a perpetual search-and-destroy mission to her portrayal of Maggie, the impish Kerry Blue Terrier, whose hobby is chasing people in parks on top of picnic benches, Reeves lightheartedly and sometimes poignantly relates the trials and tribulations and ultimate triumphs of owners who had all but given up on their actually superbly gifted dogs.

www.barking-up-the-right-tree.com


“Barking UP The Right Tree: Tales Out of Dog School”

ISBN 0-9722624-2-3

Published by 21st-Century Publishing             

16. W. Pacific Ave. # 3, Henderson, NV 89015                         Publication: Summer 2004

Contact: Brian Rouff publisher@21st-centurypublishing.com

About the Author

Professional dog trainer for 35 years, worked with close to 4000 dogs and their owners. Kennel manager for 25 years, the last 15 as co-owner of Atherton Acres in Marin County, California, a well-known boarding and training facility. 20 years experience as training director for working dog clubs. Taught college courses on dog behavior and classes for aspiring dog trainers (State of California approved curriculum). Certified expert witness on dog behavior in Federal Court.

Note to editors: Should this book be reviewed, 21st-Century Publishing would be grateful if the review would mention the website. Your notifying us of a published review would also be much appreciated. The author is available for interviews. Please contact her at: vera@barking-up-the-right-tree.com or (415) 892-2904 or (415) 897-7311 (kennel). Feel free to lift any photo from the web site www.barking-up-the-right-tree.com. For further information contact Brian Rouff at 21st-Century Publishing: publisher@21st-centurypublishing.com .    

Contact:

Vera Reeves

(415) 250 – 5953

(415) 897-7311

Fax (415) 897-4008

vera@barking-up-the-right-tree.com

# # #



Cat chaser can’t stay in control

Friday, December 17th, 2010 at 10:44 pm  
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Cat chaser can’t stay in control
Saturn is my 2-year-old Chihuahua. From day one, she has wanted to chase my four cats. She enjoys “play fighting” with one out of the four, and she is absolutely relentless.
Read more on Lifewise on Canoe

Man arrested for allegedly beating Chihuahua puppy
Associated Press – December 15, 2010 11:04 PM ET LANCASTER, Calif. (AP) – A man has been charged with animal cruelty for allegedly beating a Chihuahua puppy in a Lancaster park while children…
Read more on Channel 8 San Diego

Cute Buttons
Buttons, a chihuahua sporting a tiny red Christmas outfit, walks with its owner, Shawn Weller, on East Second Street in Denton on Friday afternoon.
Read more on The Lexington Dispatch

5 Products a Dog Owner Can?t Live (Nor Leave) Without

Monday, December 6th, 2010 at 10:44 am  
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5 Products a Dog Owner Can?t Live (Nor Leave) Without

5 Products a Dog Owner Can’t Live (Nor Leave) Without


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Home Page > Home and Family > Pets > 5 Products a Dog Owner Can’t Live (Nor Leave) Without

5 Products a Dog Owner Can’t Live (Nor Leave) Without

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5 Products a Dog Owner Can’t Live (Nor Leave) Without

By: Andrea V. Smith

About the Author

I am a huge pet fan who found an incredible amount of useful information on http://www.petgadgets.com.
Articles, pieces of advice, toys, and anything you might need for your pet. If you love your fury friend, then you know what’s best for him. Everything they might ever need: PetGadgets.

(ArticlesBase SC #1037979)

Article Source: http://www.articlesbase.com/ – 5 Products a Dog Owner Can’t Live (Nor Leave) Without





Here are some high tech products no proud dog owner can live wothout.

HYPERDOG TENNIS BALL LAUNCHER

You’re gonna love this slingshot! And your pet will enjoy playing fetch and exercising with you.

Once your dog has trained you to launch the ball all the way down the block and to run along holding the Pet Umbrella (see Number 3), you’ll lose weight, guaranteed! Hands free pick-up capability. Your pet knows for sure you’ll never have to remove his tasty slobber with your smelly hands when you retrieve the ball.

K-ROSCO DOG WALKING UTILITY JACKET

An All-Climates and All-Seasons jacket with extractable pick-up bags. Two hands-free clips. Attached to the belt leash, your dog will be able to guide you to the park while you keep a hand in the pocket. Use the other hand to hold the umbrella and the extra clip to attach the ball launcher.

PET UMBRELLA

Prevent wet dog smell. It includes a leash hook, so you can attach the belt to the leash, the leash to the Pet Umbrella and the umbrella to the hands-free clip on your K-Rosco jacket. See-through nylon: your pet will remain confident you’re still following him.

COOL K-9 DOG JACKET

You have a K-Rosco; doggie gets a K-9. Red and yellow design to increase furry thing visibility.

Use dry to keep Fido warm. Charge its cooling capabilities by submerging the jacket in water. Extensions available if you own a Dachshund wiener as depicted. Crystals inside absorb water which slowly evaporates, keeping your friend dry but cool. Alternatively, if you close the Pet Umbrella you can soak the K-9 while strolling in the rain.

MUTTLUKS ALL-WEATHER DOG BOOTS

Your pet will be the envy of the street! Waterproof fabric and reflective straps. They come in eight sizes, from Itty-Bitty (like our wiener’s) to XXL for Great Danes. But wait! There’s more! Go check out more great Pet Gadgets! As always, if you enjoyed this article, feel free to post it to your site or blog. Do you have some friends who own a Dachshund?

PLease don’t forget to visit my blog!

Forward this link to them! Do you have a friend who owns another breed but Great Dane? Please, forward the page to him/her/it, too. And, above all, have a great fetching day!

Retrieved from “http://www.articlesbase.com/pets-articles/5-products-a-dog-owner-cant-live-nor-leave-without-1037979.html”

(ArticlesBase SC #1037979)

Andrea V. Smith -
About the Author:

I am a huge pet fan who found an incredible amount of useful information on http://www.petgadgets.com.
Articles, pieces of advice, toys, and anything you might need for your pet. If you love your fury friend, then you know what’s best for him. Everything they might ever need: PetGadgets.

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Article Tags:
pet gadgets, pet products, high tech pet products, unique pet products, dog toy, dog toys, cat toy, cat toys, bird toys, bird products, pet toys, unique pet gifts, automatic, interactive, revolutionary, one of a kind, dog gadgets

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I am a huge pet fan who found an incredible amount of useful information on http://www.petgadgets.com.
Articles, pieces of advice, toys, and anything you might need for your pet. If you love your fury friend, then you know what’s best for him. Everything they might ever need: PetGadgets.

Can’t Get Your Dog To Get Up And Come To You? Read This…

Saturday, November 27th, 2010 at 4:39 am  
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Can’t Get Your Dog To Get Up And Come To You? Read This…

Can’t Get Your Dog To Get Up And Come To You? Read This…


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Home Page > Home and Family > Pets > Can’t Get Your Dog To Get Up And Come To You? Read This…

Can’t Get Your Dog To Get Up And Come To You? Read This…

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Can’t Get Your Dog To Get Up And Come To You? Read This…

By: Adam Katz

About the Author

Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

(ArticlesBase SC #2161)

Article Source: http://www.articlesbase.com/ – Can’t Get Your Dog To Get Up And Come To You? Read This…





I was walking outside to open the front gate in front of my
complex and saw two guys training a beautiful large German
Shepherd dog, in front of my neighbor’s house.

They were both professional dog trainers that my neighbor had
apparently hired to come by and train his dog when he’s at work.

I introduced myself and proceeded to watch.

See, the funny thing about many dog trainers is that they have
an ego, and their ego often prevents them from accepting help
from people who haven’t already demonstrated superior skill.
Perhaps not a bad policy.

But whatever.

Anyway… the first fellow was standing and talking with me, and
out of the corner of my eye I was watching the second fellow
work with the dog.

They’d taught the dog to hold a “down-stay.” But the problem
was, they hadn’t successfully taught the dog what “come” means,
and that it’s okay to get up from the “down-stay” when the
handler calls you to come.

The problem was, the second fellow was calling the dog to come,
and while he was doing it, he was inadvertently bending forward
and clapping his hands. And then he’d move a little closer to
the dog—all the while bending forward.

The dog didn’t move.

“Come, Enzo. Come, Enzo. Come on, come on…”

The dog still didn’t move.

So, I asked the first fellow if it would be alright if I gave
his assistant a tip that I knew would help to communicate with
the dog that it was alright to get up and come to the handler.

I told him—the same thing I’d written about in my book (which
you can read about at: http://www.dogprobl
ems.com/newvideos.htm ) — that when the dog doesn’t
understand this command, you need to be using your body language
to LEAN BACK… and even walk backwards, away from the dog. This
body language will more easily communicate to the dog what you
want him to do. (Setting him up for success).

But the trainer was stubborn and wanted to do it his way.

“Pshah… I know what I’m doing. I’m a professional,” he said as
he waved his hand in my face.

I stood there and grinned, knowing exactly what would continue
to happen.

“Come, Enzo. Come, Enzo. Come on, come on…” he continued.

The dog still didn’t move.

Finally, in frustration… he looked in my direction, then back at
the dog—and did exactly as I told him to do—leaned backwards,
started walking backwards away from the dog—and called his name.

Enzo immediately understood and happily galloped over to the
handler.

So, the next time somebody tries to tell you that there aren’t
any “Secrets” … just watch what they’re doing and if they’re
stubborn— just grin and DON’T TELL THEM ABOUT MY BOOK,
“Secrets of a Professional Dog Trainer!”

Because even many so-called “professional dog trainers” don’t
know everything

Retrieved from “http://www.articlesbase.com/pets-articles/cant-get-your-dog-to-get-up-and-come-to-you-read-this-2161.html”

(ArticlesBase SC #2161)

Adam Katz -
About the Author:

Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

]]>

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walking, outside, open, front, gate, my complex, saw, guys, training, beautiful, large, german shepherd, dog, neighbors, house they, professional, trainers

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Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

Can’t Get Your Dog To Get Up And Come To You? Read This…

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Can’t Get Your Dog To Get Up And Come To You? Read This…

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Can’t Get Your Dog To Get Up And Come To You? Read This…

By: Adam Katz

About the Author

Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

(ArticlesBase SC #2161)

Article Source: http://www.articlesbase.com/ – Can’t Get Your Dog To Get Up And Come To You? Read This…





I was walking outside to open the front gate in front of my
complex and saw two guys training a beautiful large German
Shepherd dog, in front of my neighbor’s house.

They were both professional dog trainers that my neighbor had
apparently hired to come by and train his dog when he’s at work.

I introduced myself and proceeded to watch.

See, the funny thing about many dog trainers is that they have
an ego, and their ego often prevents them from accepting help
from people who haven’t already demonstrated superior skill.
Perhaps not a bad policy.

But whatever.

Anyway… the first fellow was standing and talking with me, and
out of the corner of my eye I was watching the second fellow
work with the dog.

They’d taught the dog to hold a “down-stay.” But the problem
was, they hadn’t successfully taught the dog what “come” means,
and that it’s okay to get up from the “down-stay” when the
handler calls you to come.

The problem was, the second fellow was calling the dog to come,
and while he was doing it, he was inadvertently bending forward
and clapping his hands. And then he’d move a little closer to
the dog—all the while bending forward.

The dog didn’t move.

“Come, Enzo. Come, Enzo. Come on, come on…”

The dog still didn’t move.

So, I asked the first fellow if it would be alright if I gave
his assistant a tip that I knew would help to communicate with
the dog that it was alright to get up and come to the handler.

I told him—the same thing I’d written about in my book (which
you can read about at: http://www.dogprobl
ems.com/newvideos.htm ) — that when the dog doesn’t
understand this command, you need to be using your body language
to LEAN BACK… and even walk backwards, away from the dog. This
body language will more easily communicate to the dog what you
want him to do. (Setting him up for success).

But the trainer was stubborn and wanted to do it his way.

“Pshah… I know what I’m doing. I’m a professional,” he said as
he waved his hand in my face.

I stood there and grinned, knowing exactly what would continue
to happen.

“Come, Enzo. Come, Enzo. Come on, come on…” he continued.

The dog still didn’t move.

Finally, in frustration… he looked in my direction, then back at
the dog—and did exactly as I told him to do—leaned backwards,
started walking backwards away from the dog—and called his name.

Enzo immediately understood and happily galloped over to the
handler.

So, the next time somebody tries to tell you that there aren’t
any “Secrets” … just watch what they’re doing and if they’re
stubborn— just grin and DON’T TELL THEM ABOUT MY BOOK,
“Secrets of a Professional Dog Trainer!”

Because even many so-called “professional dog trainers” don’t
know everything

Retrieved from “http://www.articlesbase.com/pets-articles/cant-get-your-dog-to-get-up-and-come-to-you-read-this-2161.html”

(ArticlesBase SC #2161)

Adam Katz -
About the Author:

Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

]]>

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Article Tags:
walking, outside, open, front, gate, my complex, saw, guys, training, beautiful, large, german shepherd, dog, neighbors, house they, professional, trainers

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Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2010 Free Articles by ArticlesBase.com, All rights reserved.

Adam G. Katz is the author of the book, “Secrets of a
Professional Dog Trainer: An Insider’s Guide To The Most
Jealously Guarded Dog Training Secrets In History.” Get a free
copy of his report “Games To Play With Your Dog” when you sign
up for his free weekly dog training tips e-zine at: http://www.dogproblems.com

My brother’s litter of German Shepherd/Siberian Husky puppies. The adult husky is the mom, Nova, and the adult Shepherd is the father, Ricco. The puppies are 4 weeks old. Spock, with the white stripe between his eyes, is our puppy.
Video Rating: 5 / 5

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You Can’t Steal in Slow Motion-real Estate Deals Wait for No One

Saturday, November 20th, 2010 at 6:05 am  
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You Can’t Steal in Slow Motion-real Estate Deals Wait for No One

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You Can’t Steal in Slow Motion-real Estate Deals Wait for No One

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Charlene and her daughter Tanya wanted more out of life than their small two bedroom one-bath apartment could provide. Tanya had been begging for a cocker spaniel puppy for two years now. Apartment rules would not allow a dog. The laundry facilities were downstairs and at the far end of the building. Laundry tended to back up until the weekends when at an odd hour, in order to schedule an uninterrupted couple of hours as to avoid the rush on the washer and dryers. Many times the dollar changer was out of change. So upon leaving work, Charlene would need to make a special trip to the bank to load up on quarters. She had her paycheck direct deposited so this was a real pain. Anyway, with thin walls sleep was a real luxury and many a night, in spite of complaints to management, she got little sleep. Last week, someone had broken into her car by breaking her window and stole her radio. How no one had seen or heard the commotion was amazing. The police theorized that the thief must have wrapped something around the striking tool to blunt the sound. Insurance only covered a part of the loss. The apartment scene was really wearing thin on Charlene’s last nerve.


It was 6:00 AM and the fun was about to begin. Tanya, being in the fourth grade had qualified for a special magnet school with advanced studies but was almost an hour away. They would have to leave no later than 7:00 AM to arrive at the school and allow for time to get to work.


Work was going fantastic for Charlene. With a base salary of ,000 at a local well-known health maintenance company which allowed Charlene to make an additional ,000 in sales commissions. Charlene had been rewarded with sales awards for performance for the past two years. With the divorce and protracted child custody issues, Charlene’s credit had hit bottom. Chapter 13 bankruptcy had been considered, but with the great years at work, Charlene pleaded with her creditors to set up a payback program so that she could dig out of the deep financial hole. In mediation, Charlene had made a deal in the custody that her ex-husband would keep the house but would relinquish his battle for full custody. Demetrious, her ex-husband was slow on the mortgage payment, and further put Charlene’s credit rating under attack. Eighteen months ago, Charlene went back to court to enforce the property settlement where her ex-husband was to refinance the mortgage and get Charlene off the mortgage obligation. Demetrious was fighting this as the rate on a B/C subprime loan with six thirty-day lates was going to be 3% higher than the sweetheart loan he had. The judge ordered him to make it happen.

It had been fourteen months ago since the mortgage obligation showed a paid status on her credit report. It was a tough road rebuilding Charlene’s credit but she was getting close to getting things paid off. She had not been able to save anything due to the credit payback plan. Demetrious had run up a lot of the credit card debt, but Charlene was fully on the hook for it as they were joint accounts. Charlene and Tanya felt like they were getting close to making big changes.


Charlene had been attending a Home Buying Clinic sponsored by her church for the past year. Fortunately, childcare was available at the church during the three hour sessions. Tanya was able to do a little studying as well in a far corner of the large room. Budgeting, credit repair, together with the home buying advice was all being discussed. Charlene had been doing well on her plan, but her middle credit score still hovered around 570. At the last meeting Mr. Wilson discussed many of the opportunities to buy a home with creative financing. Charlene pressed Mr. Wilson for more details. Charlene asked Mr. Wilson, who happened to be a Real Estate Broker and a Mortgage Broker, if that might work for her. After class, Mr. Wilson took Charlene’s information and shared with her that she may have a shot at doing something right away. Charlene went on to explain, she wanted to get something closer to work and to Tanya’s school.

Mr. Wilson said he would call tomorrow with some possibilities. Charlene had already shared with Mr. Wilson that she needed a minimum of three bedrooms, two baths with a large garage and fenced in back yard in the area previously mentioned.


At work the next day, it was 10:00 AM and Mr. Wilson was on the line sharing with Charlene that he had identified six vacant home in the area with some good sales pressure on the seller to do something ASAP. Mr. Wilson had called each listing agent and explained that he had a qualified buyer and went on to share that if the buyer paid the listing price inquired whether the seller would pay all the closing costs and prepaids AND would hold a 5% Loan To Value second mortgage. Charlene, with her credit score and history could get a 95% Loan To Value loan.

Four turned Mr. Wilson down flat. Two owners indicated through their agents that they may have an interest. There was a three and a four-bedroom home available. Charlene looked at both of them and preferred the four bedroom as it would allow for an in home office and a separate bedroom for her mom when she visited from out of state. Tanya was excited with her room and large yard. The owner had left a washer and dryer. No quarter slots were visible. Charlene asked Mr. Wilson if he could make this happen. Mr. Wilson emphatically yes. He went on to explain if not this one another one in this soft real estate market. Mr. Wilson asked Charlene if she wanted to think about it. Charlene said no, let’s do it, now. Mr. Wilson wrote up the offer on the spot. The list price was 5,000 with taxes of ,500 and insurance of ,400. Due to the 570 credit score and past history, the new mortgage would need to be a subprime B/C loan with a 2years fixed at 8.75% then becomes adjustable for the next 28 years. The first mortgage of 2,750 at 8.75% would give a payment of ,831.05/month. The seller held second mortgage would be 5,000 x 5% = ,250 with a rate of 9.0% on a 10 year term and a three year balloon would have a payment of 4.18/month. The total payment then would be ,831.05/month on the first mortgage + 4.18/month on the 2nd mortgage + 1.67 in taxes + 0/month insurance with a total payment of ,466.90/month for principal interest (on both loans) and taxes and insurance. Charlene’s gross income of ,166.67 verifiable over a two year period with current year to date income indicating the commissions continuing and now with minimal debt her debt to income ratio to qualify for the loan was calculated at ,466.90 PITI + 0 debts = ,816.90/,166.67 = 39.30%. The lender guideline was at 50% Debt To Income Ratio. Charlene had made her rent on time for the last 12 months and although her payment shock was ,400 higher per month over the rental amount, her fully documented income more than demonstrated the ability to repair. The seller accepted the offer with a three week closing. Charlene had to write a Letter Of Explanation (LOE) explaining what had happened in the past for her credit problems and what she had done to turn it around and have given it to Mr. Wilson to share with the lender underwriter. Mr. Wilson explained with a good two year mortgage history and other good credit payments that her score would go up and on the two year mortgage anniversary he would be able to seek a much better rate and a lower payment through a rate and term refinance. Mr. Wilson explained the area would experience some appreciation even in the current soft market.


The listing agent had called Mr. Wilson explained the owner was moaning about the fact that two other offers had come in slightly less than the list price without the benefit of the owner holding a second mortgage. Mr. Wilson shook his head confirming once again, deals wait for no one.


It was moving day. Charlene and Tanya left the apartment for the last time and met the movers at the new home. Charlene put the key in the door and pushed it open to view her new home. Charlene picked up Tanya with a big hug and swung her around with her legs flying in the air for three full turns. Big grins were plastered on their faces. A door slammed and Charlene and Tanya went back to the door. It was Mr. Wilson. He had a box with him and a huge smile. He knelt down to Tanya and slowly opened the box. It was a six-week-old cocker spaniel. Charlene, put her hands over her mouth to conceal her joy and just nodded in Mr. Wilson’s direction and said, “thanks for everything Mr. Wilson. Thank you.”


Dale Rogers

www.sellerhelpsbuyer.com

www.brokencredit.com

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About the Author:

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.

www.BrokenCredit.com
www.sellerhelpsbuyer.com

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Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.

www.BrokenCredit.com
www.sellerhelpsbuyer.com

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why can animals always eat the same food and still be healthy and never get tired of it but humans can’t?

Friday, September 24th, 2010 at 5:05 pm  
Comments (3)

Question by erica_bischoff: why can animals always eat the same food and still be healthy and never get tired of it but humans can’t?
why is it that dogs, cats, hamsters, e.t.c. can always eat the same dog food, cat food, e.t.c. that they are given every day and never seem to get tired of it and always seem to get the right nutrients and be healthy, whereas humans have to eat all different kinds of foods to recieve the correct balance of nutrients and would probably get tired of eating the same thing every day? Why can’t there just be like a single “human food” like there is dog food and cat food that humans can just eat it every day and get the right nutrients, e.t.c.? That would be so much easier for some people than having to worry about eating all different kinds of foods. If they can do it for animals surely they can do it for people too.

Best answer:

Answer by toad_stool357
hundreds of years of variety,
we’ve grown accustomed

Add your own answer in the comments!

21 Life Changing Questions You Can’t Afford to Not Ask

Wednesday, September 22nd, 2010 at 1:19 pm  
Comments (5)

21 Life Changing Questions You Can’t Afford to Not Ask

Imagine finally taking off seven coats you’ve been wearing on top of each other for years and years. You’ve forgotten that some people consciously choose to live without seven layers of coats on even though most people are living that way.

You remember the possibilities you imagined your life would be when you were a child. You decide to take off the coats and start running joyfully through the spring fields you forgot about. You move into the light where you finally begin to laugh and live feeling inspired every day instead of simply walking around reacting to life, complaining, counting down the days to the next weekend or vacation until you finally die.

Start taking off the coats that have layered your soul since you started to grow up. Forget about the negativity of the news. Don’t believe negative people telling you that you canít make more money or move to a nicer city or do anything to better your life. Ignore all the forces telling you what you canít do. Close your ears to people who blame their boss, the government, their friends, and their circumstances for what they donít like about their lives.

It’s time to leave ‘em all behind and say ‘See ya!’ It’s time to adopt a new Belief System (yeah, whatever we believe is simply B.S. – just opinions we made up that may or may not actually be true.) It’s time to drop all that limited thinking that keeps you stuck on the birth-school-work(paycheck-to-paycheck)-death merry-go-round.

It’s time to learn the magic of saying YES. Iím going to make YES your new favorite word. Imagine what you want most in life right now. Dream BIG. Think of what your ideal life would look like. See all the tiny details. You have no limitations. You can have exactly what you want.

Money is no object. Your time is your own to spend as you like for as long as you wish. Dream BIGGER now. What fills your soul with more joy than youíve ever felt before? Remember the best experience of your life? Start there and make it as amazing as you can.

How are you spending your days and nights? Who are you with? What are you doing? What emotions are coming up? What smells are in the air? What are your favorite foods that youíre eating and tasting? What cities and countries are you visiting? What are you wearing?

As you reach out to touch your loved ones youíre sharing this life with what sensations run through your hands? -Get as specific as possible. The more specific you are the more youíll get out of doing this. I want you to see, hear, feel, taste and smell every little piece of the life you were born to live.

As you walk into your dream house how big are the doors? How high are the walls? How much of the square footage is covered in windows? How have you furnished it? How many rooms does it have? How many rooms does your guest house have? How many acres of property do you own? What do you see outside of the windows? A meadow? A stream? The ocean? The sunset?

Is this the most fantastic day of your life? YES, it is. Get more in depth. See how your smile looks. Feel the warmth in your heart and the ease and peace in your spirit. Hear the sounds of the surroundings that feed your soul. Feel the excitement in your bones as you realize that you are actually living in your dream come true.

How amazing do you feel right now? You deserve this life donít you? YES, you do.This is no accident. If you are in a human body then you deserve to use it to build the life you truly want to be living. Hundreds of thousands of people are doing it right now. Can’t you do it too? YES, you can. You may need some help, guidance and support, but you can and you will create the life of your dreams. YES, it’s yours for the taking.

YES, you’re ready. YES, you will live it now. How do you feel right now? YES, right now at this moment. Imagine feeling this light and warm every day. You’re smiling aren’t you? If you aren’t then you didn’t do the exercise above slow enough to absorb it and I invite you to do it again.

Feeling is what creates what we have and do. Positive thinking without honest feeling behind it will leave you wondering why nothing’s changed.

When you learn to consciously create with your feelings you’ll start getting better results in your life. Right now you’re probably getting results based on your unconscious feelings. The scary part of this is that most people only feel in reaction to what happens to them. I’m teaching you how to create with your feelings instead.

This feeling, actually a feeling even lighter and clearer, is the place where my clients learn to live from. If you’d like to learn more about living from an authentic state I invite you to visit www.AngryEnoughToChange.com and read about my Champion Coaching program. This program can support you in experiencing even deeper versions of this ecstatic state.

Please re-read this exercise and get precise about what you want. Simply getting conscious about your desires and feeling as if you’re already living this way will magnetize it to you. You’re creating everyday so you may as well do it consciously to get what you really want. You deserve it, so go for it!

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