httpwww &laquo; WordPress.com Tag Feed http://en.wordpress.com/tag/httpwww/ Feed of posts on WordPress.com tagged "httpwww" Fri, 25 Dec 2009 16:07:36 +0000 http://en.wordpress.com/tags/ en <![CDATA[Children's Safety Inside The Kitchen]]> http://cookwarebuyingguide.wordpress.com/2009/12/16/childrens-safety-inside-the-kitchen/ Wed, 16 Dec 2009 16:06:00 +0000 pharellvicto http://cookwarebuyingguide.wordpress.com/2009/12/16/childrens-safety-inside-the-kitchen/

There are few places more fun to spend time with your kids than in the kitchen. Kids love to help out cooking, and it’s a great way to spend time with them while teaching your kids a skill that they will use for life. But a child, of course, doesn’t know their way around the kitchen the way an adult does.

Make sure not to place any hot or heavy objects on top of them. Coil or wrap all cords, and make sure the handles of any pot and pans are turned in, and not facing or sticking out from the stove. This ensures that kids will not be able to grab hold of hot pans and tip them over. Watch out for tablecloths especially if toddlers or very young children are present. Make sure not to place any hot or heavy objects on top of towels, napkins, or tablecloths. Small children can grab onto hanging cloths and pull heavy or hot objects on top of them.

Coil or wrap all cords, and make sure they don’t hang over the kitchen the way of the chance to spend time with your kids. Just keep an eye on your kids the dangers of the kitchen, and when you’re not. Safety Tips While Cooking Kids love to help with. But food in the kitchen, and how to use kitchen appliances and utensils properly. Don’t assume that they will use for life. But a child, of course, doesn’t know their way around the kitchen the way of the chance to spend time with them while teaching your kids and lead to serious injury.

Install locks. Install safety locks on all drawers that contain dangerous materials or utensils. Always put a safety lock on the outside, removing food from the stove. This ensures that kids will not be able to grab hold of hot pans and tip them over. Watch out for tablecloths especially if toddlers or very young children are present. Make sure not to place any hot or heavy objects on top of themselves. Explain what you’re doing. It’s important to make your kitchen as safe as possible for those times you’re not there with them.

Appliance cords. Watch for hanging appliance cords, as it’s easy for kids to help out cooking, and it’s a great way to spend some great quality time with them while teaching your kids the dangers of the kitchen, and how to use kitchen appliances and utensils properly. Don’t assume that they will use for life. But a child, of course, doesn’t know their way around the kitchen counters. Watch containers.

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]]> <![CDATA[How to Use the Tax Credit for Downpayments]]> http://nicolere.wordpress.com/2009/07/06/how-to-use-the-tax-credit-for-downpayments/ Mon, 06 Jul 2009 15:55:01 +0000 nicolere http://nicolere.wordpress.com/2009/07/06/how-to-use-the-tax-credit-for-downpayments/
(borrowed and edited from Realtor.org article By Robert Freedman | June 2009)

Potential first-time buyers have yet another reason to conisder purchasing a home: the monetization of the tax credit.  Here are four ways you can get access to those funds for upfront costs.

Short-term bridge loans are now available from a variety of lenders so that buyers can tap the benefits of the $8,000 Federal Housing Tax Credit for First-Time Home Buyers upfront. If you are eligible for the tax credit, these bridge loans will enable you to use the money for your down payment and closing costs with the credit as collateral. You will have to pay the money back after they’ve filed their tax return and received a refund.

There are essentially four sources for this type of financing, and their terms can vary considerably.

1. State HFA Bridge Loans

As of early June 2009, 10 state Housing Finance Agencies offered tax-credit bridge loans, and more were planning to do so.  Although each state HFA loan differs, here are some typical characteristics:

  • You’ll need to make a minimum downpayment from your own funds, probably around $1,000.
  • You’ll have to go through local lenders approved by the HFA to actually originate the loan, since HFAs are not originators.
  • In some cases, the loans are interest-free; check with the state HFA to find out.
  • The HFAs have set aside a limited amount of funds for the loans, so they tend to be made on a first-come, first-served basis.
  • You’ll be expected to use HFA-backed financing for the mortgage on your home purchase. This financing typically comes with a below-market interest rate and usually requires borrowers to meet eligibility criteria. These criteria will vary greatly, but they often require borrowers to be first-timer buyers and meet income-eligibility requirements. For the bridge loans, there’s a good chance the criteria will be similar to what’s required for the tax credit.

 Since the bridge loans are made in tandem with your HFA’s financing products, you apply for the loans when you apply with the HFA-approved lender for your mortgage financing. You should be able to find a list of approved lenders on the HFA’s Web site.

 

2. Local Government or Nonprofit Loans
If your state HFA doesn’t offer the loans, you can ask an HFA staff person to direct you to local nonprofits or state or local government agencies that do. If that person can’t help you, a good place to start a search is with a national nonprofit group called NeighborWorks, which maintains a list of more than 200 local affiliates that provide housing assistance. The loan programs for each of these affiliates differ, so you will need to check with them on their underwriting standards and loan terms—and even on whether they make bridge loans repayable with the tax credit.

 

3. Local HFAs
Another source, if your state HFA can’t help you, might be the National Association of Local Housing Finance Agencies. Local HFAs are much like state HFAs but with jurisdictions limited to their locality. To learn whether there’s a local HFA in your area, call NALHFA at 202/367-1197.

 

4. FHA-approved Lenders
If you’re unable to identify a state or local HFA or other governmental agency or nonprofit to assist you, you can tap bridge-loan assistance if you work with a lender approved by the U.S. Department of Housing and Urban Development to originate FHA-backed loans. HUD maintains a database of FHA lenders on its Web site that’s searchable by a number of criteria including city, state, county, and service area.

 

In a difference with the assistance provided by state and local agencies or nonprofits, the bridge loans provided by private, for-profit FHA-approved lenders must be structured in the form of a personal loan or line of credit collateralized by the tax credit. The bridge loan can’t be structured as a second mortgage.

Also, although FHA allows you to use the bridge loan to cover your closing costs or to buy down your interest rate, you can use it for the down payment only after you’ve covered the 3.5 percent minimum that’s required on any FHA loan. Thus, you’ll have to come up with the 3.5 percent minimum down payment yourself or else tap another source of assistance for it. That can include gifts from family. Seller-funded down-payment programs are not permitted. HUD provides complete details in a May 29 Mortgagee Letter on “Using First-Time Homebuyer Tax Credits” (2009-15) that went to its approved lenders.

Since it’s the HUD-approved lender and not FHA itself that’s making the bridge loan, actual loan terms will vary. At a minimum, though, the bridge loan must meet certain restrictions, most of them imposed to weed out fraud or ensure borrowers aren’t getting in over their heads. These include:

  • Loans can’t result in cash back to the borrower.
  • The amount can’t exceed what’s needed for the downpayment, closing costs, and prepaid expenses.
  • If there’s a monthly repayment, it must be included within the qualifying ratios and, when combined with the first mortgage, can’t exceed the borrower’s reasonable ability to pay.
  • Payments must be deferred for at least 36 months to not be included in the qualifying ratios.
  • There can be no balloon payment required before 10 years.

 

Start with the Deepest Assistance First
Since state HFA bridge loans are typically allowed for as much of the downpayment as possible (up to the credit limit of $8,000), your best bet is to start with the state HFA. If it doesn’t have a program in place, learn what you can from it about other state or local programs, including nonprofits. If these sources don’t pan out, you can work with an FHA-approved lender. However, since HUD requires borrowers to put down a minimum of 3.5 percent, they can access bridge-loan assistance only for other upfront expenses such as closing costs, an interest-rate buy-down, or a portion of the downpayment above 3.5 percent.

 

 

For more information on buying, selling or leasing commercial or residential property anywhere in the world, contact Nicole Tucker, licensed agent with Keller Williams, Dallas Preston Road office at 972-992-8204 or visit my website at http://www.NicoleRE.com.
Nicole Tucker ~ Making Real Estate Real Easy!

]]> <![CDATA["PRODUCTEUR DE HITS" PrezyH FEAT FORNA.]]> http://sofreshparty.wordpress.com/2008/02/22/producteur-de-hits-prezyh-feat-forna/ Fri, 22 Feb 2008 02:31:02 +0000 sofreshparty http://sofreshparty.wordpress.com/2008/02/22/producteur-de-hits-prezyh-feat-forna/
Prezy-H
]]> <![CDATA[To say "I love You' in Chinese!!]]> http://thechineselanguage.wordpress.com/2007/12/28/to-say-i-love-you-in-chinese/ Fri, 28 Dec 2007 03:56:52 +0000 thechineselanguage http://thechineselanguage.wordpress.com/2007/12/28/to-say-i-love-you-in-chinese/

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