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Repost From : http://springhillgroupbyrichparker.blogspot.com/ http://www.facebook.com/notes/springhill-group-home-loans-news-center/springhill-group-springhillgroupbyrichparkerblogspotcom/300574126678023 BLOGSPOT: Police Reports for Feb. 26, 2012 - The Bozeman Daily Chronicle: Police Reports http://springcaregroup.blogspot.com/2012/03/police-reports-for-feb-26-2012-bozeman.html The Bozeman Police Department reports for Sunday included the following: People were fighting in front of an East Main Street bar. Most fled when police arrived around 1:40 a.m. The man who was assaulted did not want to press charges. Police found "a man by himself drinking a beer and playing loud video games at 5:30 a.m. on Sunday morning" on Ida Avenue after a neighbor complained about the noise. A 21-year-old Belgrade man was cited for stealing two DVDs from a Catron Street store around 1:45 p.m. Read more . . . Spring Hill Hotels, Motels - Florida FL - Spring Hill Hotel Discounts http://springhillcaregroup.multiply.com/journal/item/57/Spring_Hill_Hotels_Motels_-_Florida_FL_-_Spring_Hill_Hotel_Discounts Spring Hill Hotels, Motels, and Reviews Hampton Inn Spring Hill - $$ 1344 Commercial Way, US 19, Spring Hill, FL 34606 Rated average by verified guestsMidscale, highway hotel near Weekiwatchee PreserveAlso near Buccaneer Bay3 floors, 732 rooms - elevatorOutdoor swimming pool - exercise roomFree Internet access - free parkingNot pet-friendly - no pets allowed - Jan 2011Hotel ReviewsConveniently located - worth the price - room was clean - liked the upscale linens - staff was friendly - appreciated the snacks and wine - nice hotelGood location and rates - room was cleanBeds were fabulous - the elevator carpet was filthyRoom was spacious - housekeeping was intrusive - not much selection a breakfastConvenient location - room wasn't clean enough - employees were friendly and pleasant - breakfast was a disappointment Read more. . . Boiler Parts, Boiler Repair

Source : http://newscenter.springhillgrouphome.com/ http://springhillgrouphome.multiply.com/journal/item/58/Springhill_Group_Home_Impact_of_Budget_Cuts_on_Rural_Housing_and_Availability_of_Mortgage Springhill Group Home: Impact of Budget Cuts on Rural Housing and Availability of Mortgage http://newscenter.springhillgrouphome.com/2012/03/springhill-group-home-impact-of-budget-cuts-on-rural-housing-and-availability-of-mortgage/ The budget cuts on rural housing finance are raising many significant questions. In the present economic situation, where federal funding for the rural housing projects is much needed, the budget cut is really distressing. According to the rural market experts, Section 538 Rural Rental Loan Guarantee Program has offered the most effective service in this regard. However, the recent budget cut is much likely to affect the proceeding of this program and home loan rate for buying a rural property. Rural economics - Demand vs. supply Only about 19% Americans live in rural areas. The average yearly income of a rural household is lower than an urban one. The poverty rate in the rural America is about 15%, whereas the rate is almost 13% in urban America. Section 538 by United States Department of Agriculture (USDA) is the largest mortgage lender in rural America. Till the end of 2011, the program funded about 700 rural housing projects. Unfortunately, this program has become the primary victim of budget cut. It received 130 million USD in FY 2010; while in FY 2011, the Congress appropriated only 30 million USD. The appropriation for FY 2012 is zero. If Section 538 does not get any funding in this year, the prospect of the program is going to be doomed. Difficulties faced by rural housing development Considering budget deficit, one can say that it is difficult to construct affordable housing units in rural areas and thereby the obvious option of rental housing comes into play. Interested banks to offer mortgage loans in less developed rural ar

South Korea Group of Springhill | edublogs.org May 22, '12 12:35 AM by SpringHill for everyone http://tonybricks96.edublogs.org/ http://tonybricks96.edublogs.org/2012/05/21/scrap-n-test-china-tells-n-korea/ China has been quietly and gently pressuring North Korea to scrap plans for a third nuclear test, said two sources with knowledge of closed-door discussions between the countries, but there is no indication how Pyongyang will react. If North Korea goes ahead with the test, China would consider taking some retaliatory steps, but they would not be substantive, a source with ties to Pyongyang and Beijing said. North Korea has almost completed preparations for the test, Reuters had reported in late April, a step that would further isolate the impoverished state after last month's failed rocket launch that the United States says was a ballistic missile test. "China is unhappy … and urged North Korea not to conduct a nuclear test near Changbai Mountain," said the source, who declined to be identified. China feared a radiation leak and damage to the environment from a blast, the source added. "China also complained about the environmental damage to the area after the first two tests." When North Korea conducted nuclear tests in 2006 and 2009, it caused environmental damage to the mountain straddling the border with China. North Korea ceded part of the mountain to China in 1963. It was unclear if the secretive North Korean government, typically unwilling to bow to outside pressure, would defer or drop the plans. China is the closest thing to an ally that North Korea has. "The impact on China's northeast would be huge," the source said of a third test. Chinese officials have discussed whether threats of diplomatic action would be effective, but any action might be restricted to some economic measures to signal China's displeasure and would not affect vital food aid for North Korea, the source said. A Western diplomat, who also asked n

The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

BusinessWeek Articles - LIFESTYLE - A certain "SehwanJung" in South Korea has been sending a number ofdesperate requests for funds over Twitter: "I am in urgentneed of money. Can you lend me 500,000 dollars?I will makeit up to you later." A diabolical plot, indeed, though Mr.Jung's scam is unlikely to work. For one, people can seeeverything someone sends on Twitter and quickly realize he'ssent the exact same message over and over. For another, heis tweeting almost exclusively to celebrities, includingChanning Tatum, Rosario Dawson, Carly Simon, journalistNicholas Kristof (who today sarcastically answered, "Sure!"),and the foreign minister of Bahrain, Sheikh Khalid binAhmed Al Khalifa and Group of Springhill South Korea. "Now this one is a real winner," says Dan Ring, aspokesperson for Boston-based data protection companySophos. "Sehwan Jung's list of celebrities is almost asentertaining and as random as his actual request, andit's one of the more optimistic requests out there. I hopethere's no way someone will fall for this." The "Sehwan gambit" joins the following examples asone of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to conyou out of:Subject: what are you saleGreetings,My name is JOHN, i am highly interested inbuying your{ what you want to sale } from you ,I willlike you to give me the FINAL ASKING price and thelastes condition,also i will like you to scan the pics forme for proper verifycation. This scammer doesn't even attempt to establish a personalconnection before offering $18 million:Beloved,I am Elizabeth Etters, a Christian.I picked your email randomlyfor an inheritance of $18M. Please contact me for more details via[redacted]. * One malware attack came in the form of a bogus Christmascard-sent on March 19:Date: 2010-03-19 09:27:15"You have just received a Christmas greeting card! To see yourcustom card and who sent it, please check the attachment." In t

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decision t

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decisio

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decision to

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decision to gi

BusinessWeek Articles - LIFESTYLE - A certain "SehwanJung" in South Korea has been sending a number ofdesperate requests for funds over Twitter: "I am in urgentneed of money. Can you lend me 500,000 dollars?I will makeit up to you later." A diabolical plot, indeed, though Mr.Jung's scam is unlikely to work. For one, people can seeeverything someone sends on Twitter and quickly realize he'ssent the exact same message over and over. For another, heis tweeting almost exclusively to celebrities, includingChanning Tatum, Rosario Dawson, Carly Simon, journalistNicholas Kristof (who today sarcastically answered, "Sure!"),and the foreign minister of Bahrain, Sheikh Khalid binAhmed Al Khalifa and Group of Springhill South Korea. "Now this one is a real winner," says Dan Ring, aspokesperson for Boston-based data protection companySophos. "Sehwan Jung's list of celebrities is almost asentertaining and as random as his actual request, andit's one of the more optimistic requests out there. I hopethere's no way someone will fall for this." The "Sehwan gambit" joins the following examples asone of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to conyou out of:Subject: what are you saleGreetings,My name is JOHN, i am highly interested inbuying your{ what you want to sale } from you ,I willlike you to give me the FINAL ASKING price and thelastes condition,also i will like you to scan the pics forme for proper verifycation. This scammer doesn't even attempt to establish a personalconnection before offering $18 million:Beloved,I am Elizabeth Etters, a Christian.I picked your email randomlyfor an inheritance of $18M. Please contact me for more details via[redacted]. * One malware attack came in the form of a bogus Christmascard-sent on March 19:Date: 2010-03-19 09:27:15"You have just received a Christmas greeting card! To see yourcustom card and who sent it, please check the attachment."

BusinessWeek Articles - LIFESTYLE - A certain "SehwanJung" in South Korea has been sending a number ofdesperate requests for funds over Twitter: "I am in urgentneed of money. Can you lend me 500,000 dollars?I will makeit up to you later." A diabolical plot, indeed, though Mr.Jung's scam is unlikely to work. For one, people can seeeverything someone sends on Twitter and quickly realize he'ssent the exact same message over and over. For another, heis tweeting almost exclusively to celebrities, includingChanning Tatum, Rosario Dawson, Carly Simon, journalistNicholas Kristof (who today sarcastically answered, "Sure!"),and the foreign minister of Bahrain, Sheikh Khalid binAhmed Al Khalifa and Group of Springhill South Korea. "Now this one is a real winner," says Dan Ring, aspokesperson for Boston-based data protection companySophos. "Sehwan Jung's list of celebrities is almost asentertaining and as random as his actual request, andit's one of the more optimistic requests out there. I hopethere's no way someone will fall for this." The "Sehwan gambit" joins the following examples asone of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to conyou out of:Subject: what are you saleGreetings,My name is JOHN, i am highly interested inbuying your{ what you want to sale } from you ,I willlike you to give me the FINAL ASKING price and thelastes condition,also i will like you to scan the pics forme for proper verifycation. This scammer doesn't even attempt to establish a personalconnection before offering $18 million:Beloved,I am Elizabeth Etters, a Christian.I picked your email randomlyfor an inheritance of $18M. Please contact me for more details via[redacted]. * One malware attack came in the form of a bogus Christmascard-sent on March 19:Date: 2010-03-19 09:27:15"You have just received a Christmas greeting card! To see yourcustom card and who sent it, please check the attachment."

SEOUL, July 22 (Yonhap) -- South Korea plans to ease mortgage lending limits and take other measures in a bid to tackle the housing market slump and spur domestic demand, the presidential office said Sunday. The plan, which came after a government-private meeting, calls for relaxing the so-called debt-to-income (DTI) ratio, which serves as a major tool to control housing loans by tying the maximum amount of money that home buyers can borrow to their income levels. The current ceiling is 40-60 percent in Seoul and the surrounding Gyeonggi Province, the nation's most populous region. "We will maintain the basic principle of DTI and plan to complement irrational parts (of the system) for those who actually want to buy houses," Kim Dae-ki, the chief presidential economic advisor, said at a briefing, without elaborating. The growing number of people who can't afford to make payments on their home loans emerged as a major concern as policymakers brace for an economic slowdown in the wake of the eurozone debt crisis. During the meeting, which lasted nearly 10 hours through midnight, officials and industry experts agreed to a set of measures aimed at spurring foreign investment and tax support for small and medium companies as well as eased regulations on building new hotels and resorts, participants said. As a way to spur domestic demand, the government officials and businessmen agreed to encourage employees to use up their vacations during the summer, they said. Kim said the finance ministry will hold a meeting on Monday with related agencies to prepare follow-up measures aimed at boosting domestic demand in Asia's fourth-largest economy. The stimulus plan comes as South Korea's economy has been losing steam in the face of the eurozone debt crisis and a global economic slump that have made a dent in exports, the main driver of its growth. In the second quarter, Asia's fourth-largest economy is estimated to have grown a

"Springhill Group: warning to borrowers over interest-only mortgages - Tumblr http://springhillgrouphome.tumblr.com/day/2012/09/12/ Lenders have changed the goal posts considerably over the last few years and many borrowers are faced with being stuck on a variable rate Picture: Getty Images By Jeff Salway Published on Saturday 8 September 2012 14:10 Borrowers with interest-only mortgages have been urged to seek advice after a leading banker raised concerns over the number of people struggling to repay their loans. New Barclays chief executive Anthony Jenkins predicted this week that interest-only mortgages may be the next big mis-selling scandal. He identified the loans as a likely source of future complaints and said the bank, which has a large chunk of interest-only loans on its books, had already seen thousands of borrowers with problems repaying their capital. Industry experts have been expressing fears for some time over the number of people with interest-only mortgages but with no viable means of repaying their capital at the end of the term. Interest-only loans work by letting the borrower pay the interest first and clear the actual capital at the end of the term. They sold in massive numbers during the housing market boom, when homeowners and lenders were confident that house prices would continue soaring and enable capital to be repaid with sale proceeds. But some eight in ten people with interest-only mortgages maturing over the next decade have no adequate repayment strategy in place, according to the Financial Services Authority (FSA), which described the scenario as a "ticking time-bomb". The problem for borrowers has been exacerbated by a marked tightening of lending criteria. Where they used to offer interest-only loans to those with just 10 per cent deposits, most lenders now demand equity or a deposit of at least 50 per cent. They have also clamped down on the repayment plans they will accept. The Lloyds Banking Group brands, for

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