Hello. I am sorry if this may be off topic. I have been in the mortgage business for the last 10 years. I have certainly seen a lot of ups and downs. I am certainly in this for the long haul. If you need honest, sound mortgage information, I am your guy. Lets be honest, it is not getting any easier for any of us. It is important that you work with a company that knows the current guidelines and can steer you in the right direction. My customers come back to me time and time again because of this. Please visit the link in my profile for up to date rates, gudelines, and programs. I hope to hear from you soon.
Howdy, Nice Forum i should be able to help on here.
Thanks.
Wow look at this idiot. I read about him in the newspaper. Did he really think that it would be a good idea to do this? People are crazy
LONDON — An English dog-owner has been fined after taking his pet for a stroll while driving next to him in his car. Prosecutors said Paul Railton was spotted driving at low speed along a country lane in December, holding his dog's leash through the car window as the animal trotted alongside.
Railton pleaded guilty Monday to not being in proper control of a vehicle. His lawyer, Paul Donoghue, said 23-year-old Railton acknowledged "it was a silly thing to do and there was an element of laziness" while exercising his lurcher, a type of crossbred sighthound.
Railton was ordered by magistrates in Consett, northeast England, to pay a 66 pound ($100) fine, plus costs.
He also received three more penalty points on his license and is now barred from driving for six months.
Hey everyone what do you think of this! Pretty crazy stuff! I don't think anyone is going to stop young people from partying but what do my fellow moms think?
At Virginia Tech, where tailgating and raucous apartment complex parties are time-honored rituals, university officials are turning increasingly to Mom and Dad to curb problem underage drinking.
This semester, the school in Blacksburg, Va., began notifying parents when their under-21 students are found guilty of even minor alcohol violations such as getting caught with a beer in a dorm room.
Although it's common for colleges to alert parents of major alcohol offenses — or when a student faces suspension — Virginia Tech is part of a small but growing number sending letters home on minor ones.
The debate about how much to involve parents in such cases is a balancing act for colleges and universities. Officials want to hold young adults accountable as they venture out on their own, are well aware that drinking is part of the college experience, and also recognize potential allies in a generation of hands-on parents who can help when things go too far.
"I think it helps students open up to parents," said Steven Clarke, director of Virginia Tech's College Alcohol Abuse Prevention Center. "And parents can be helpful in setting boundaries students might need."
The beefed-up parental notification policy is part of a broader strategy that includes alcohol-education classes and a "party positive" program that encourages responsible drinking.
The student reaction to the policy change, not surprisingly, has been less than enthusiastic.
"If you have one beer in the dorm and you get caught, I don't feel like parents should be notified," said Erik Pryslak, a junior engineering major. "Now that we're all in college, we're all adults. It's kind of your responsibility to take care of yourself. If you want to make your parents aware you're about to be kicked out of school, then it's on you."
Studies show that students who say their parents would disapprove of them drinking are less likely to drink heavily once they get to college, said Toben Nelson, an assistant professor at the University of Minnesota School of Public Health who has studied campus drinking.
At Virginia Tech, the school has operated on a "three strikes" system for years: Students get one strike for a minor alcohol violation and two for a major one — things like getting a DUI or vomiting all over a residence hall bathroom. Three strikes and a student is suspended for at least one semester.
After a spate of alcohol-related deaths on college campuses, Congress in the late 1990s changed student privacy laws to lower barriers to parental notification in cases involving students under 21.
Schools took a wide array of approaches in response. Virginia Tech started notifying parents of under-21 students after major alcohol offenses or when a student had accumulated two strikes with two minor ones.
But some parents complained that because they had not been notified of minor offenses, they were in the dark until a student was suddenly facing suspension, said Edward Spencer, Virginia Tech's vice president for student affairs. Hence the change this semester — a move Spencer says also reflects changing times.
Parents of Generation X students were often reluctant to get involved when the school invoked an emergency clause in privacy laws and alerted them of alcohol problems, he said.
"The response would be, 'You know, I'm leaving on a cruise. I'm going to a class reunion.'"
But today, parents of millennials tend to be tethered by cell phone to children who studies show often idolize their parents — so it makes sense to go a step further in parental involvement, he said.
"We'd like to strike a happy medium," Spencer said. "We're grateful for the positive involvement of parents. We find it difficult when their involvement is over-involvement."
Research has found more than 40 percent of college students reported at least one symptom of alcohol abuse or dependance. One recent study estimated that more than 500,000 full-time students at four-year colleges suffer injuries each year related to drinking, and about 1,700 die in such accidents.
"When it comes to safety, there really is a fine line," said Max DiSesa, a sophomore from Durham, N.H. "I completely understand Virginia Tech and they want to keep people safe. But I think this might be overall detrimental to the growth of students."
Some universities already have found success alerting parents earlier. The University at Albany, State University of New York has seen a decline in repeat offenders since it began notifying parents of under-21 students of minor alcohol violations four years ago, said Laurie Garafola, director of residential life.
"I don't send many second letters out to parents," she said.
At the University of North Carolina Wilmington, the philosophy is different. The school — which like many others stresses shared responsibility to parents and students during summer orientation — does not notify parents of minor offenses. Parents, however, are notified before any under-21 student is suspended.
"Part of students coming to college is to learn how to be a responsible adult — and hopefully learn from their mistakes," said Patricia Leonard, vice chancellor for student affairs.
Copyright © 2010 The Associated Press. All rights reserved.
Wow Check out this rumor.....
ABC will announce Monday that TLC reality star Kate Gosselin will be one of the hoofers on the next round of “Dancing With the Stars,” according to a source with knowledge of the situation.
At press time, the deal was virtually done for the now-divorced mother of eight to become one of the celebrities vying for the cheesetastic Mirrored Disco Ball.
This will be the fulfillment of a dream for Gosselin who, on Jay Leno’s ill-fated prime-time show, said she’d like to be on “Stars” because she can’t dance. “I want to laugh at myself,” Gosselin told Leno. “I so cannot dance.”
Will you Watch?
Just wanted to say that I read your blog quite frequently and I'm always amazed at some of the stuff people post here. But keep up the good work, it's always interesting.
See ya,
Hey Baby Diva! Had you on my mind this morning so i thought I would stop by to say HELLO!!!
Thanks everyone for all your prayers and I love you all!!! I am very greatful to have such a wonderful support system!
miss u much love u more
i love u
Hey Sweetie keep the FAITH ONLY JESUS CAN make things work correctly. you are in my PRAYERS and don,t forget to PRAY day and night.i,m having financial problems but that is nothing to what you are going through my problems are minor but JESUS takes care of big and small problems,so you keep your FAITH STRONG and BELIEVE in HIM.I TRULY BELIEVE in PRAYER.YOURS BIG - MINE SMALL but HE will answer us both.OH and when HE answers don,t forget to tell HIM THANK YOU JESUS.....!!! GOD BLESS YOU SWEETHEART*****
i love you and pray that everything will work out for you and i will keep u in my prayers, i love u
YOU ARE SO BEAUTIFUL,AND I WISH I WAS A MILLIONARE I WOULD PAY FOR THE WHOLE THING,GOD IS GOING TO GIVE YOU A MIRACLE,YOU ARE GONNA RECIEVE MORE THAN WHAT YOU NEED,GOD BLESS YOU LITTLE ANGEL.
We are praying for you!
gchan5509@yahoo.co.uk
God bless,
Grace Changih
Hello Sweetie,
Kaiya, I found your site through a blog I was reading. I was so moved and touched by your story that I began sharing with my husband and daughter about your situation.
I later found a blog I believe was run by your sister. You are such an inspiration.
And know that God says in Jeremiah 29:11, "For I know the plans I have for you says the Lord, they are plans to prosper you and not to harm you, they are plans to give you hope and a future".
Keep believing and trusting young lady. don't give up now, you are almost there. I know it's hard and it may hurt, but know that according to 1 Peter 5:7, God says that we can "Cast all of our cares upon Him, because He cares for us".
Jesus loves you and so do we"! I am so glad I can across you. May you always be an inspiration and forever be remembered as a young girl who never gave up and was willing to fight and one who loved others as much as herself.
As an encouragement and to strengthen your faith.....I have a friend who recently received a liver after waiting for a long time. But she kept believing God and in Oct. '08 she received her liver. And so keep fighting, keep believing.
Maurette Brown-Clark sings a song called, "It Ain't Over",until God says it's Over...try and get that song and listen to it over and over...Luv ya!
John 3:16-17
Sorry it has been so long since I sent you well wishes. I pray that you are comfortable and hopeful as you wait for your gift of life.
God Bless You.
Just One story to describe such a grea mail "WOW" that was a particular enchanting deliver assign to
Hello, I am always praying for you, I'm a friend of Kaiya Mother's Kisha we went to school together.
I just submitted your name for FriendsofJaclyn.com I watched her story on real sports with Brian Gumbel, she touched me as much as you did Kaiya!! continue to keep the faith.
hi, and hope that this reach you with positive thoughts, and best wishes. continue to keep God first he will pull you through.