Sportsmans Point, Meridian - Announcing a price reduction on 1992 S Elkhound Ave, a 2,650 sq. ft., 2 bath, 4 bdrm 2 story "1 bed on main level". Now 
MLS® $259,777 USD - GIVE AWAY PRICE, BUY NOW!.
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Sportsmans Point, Meridian - Announcing a price reduction on 1992 S Elkhound Ave, a 2,650 sq. ft., 2 bath, 4 bdrm 2 story "1 bed on main level". Now MLS® $264,777 USD - SUPER REDUCTION!Must move.
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1992 S Elkhound Ave
Already reduced 20+K in 2 short weeks, must sale! Under $100 sq/ft!! ***GET FREE INFO NOW 24/7***
Dial 208 - 672 - 9900
then when prompted insert the Property Code #64495 | | |
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Sportsmans Point, Meridian - Announcing a price reduction on 1992 S Elkhound Ave, a 2,650 sq. ft., 2 bath, 4 bdrm 2 story "1 bed on main level". Now MLS® $284,900 USD - SUPER Value! Buy now!.
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See how your credit will be rated with the new FICO 08 credit score.
Your FICO® score helps paint a financial picture of your creditworthiness for banks and other lenders. It's one of the formulas used by two of the major national credit reporting agencies (TransUnion and Equifax), and it could be a determining factor as to whether or not you qualify for a loan or credit card. And if you do qualify, it will also impact the interest rate your lender can offer you.
The Fair Isaac Corporation, creator of the FICO score, has now changed the formula for calculating your credit score. It's called FICO 08.
Why the Need for a New FICO Score?
Improved, more accurate scores mean better-informed lenders making better decisions on who receives loans. Although the exact formula has not been made public, FICO 08 is designed to be a better predictor of defaulters, more forgiving of people who have slipped up just once, and harder on repeat offenders. The range for the new credit scores will stay the same: 300 to 850.
Good News for Better Credit
FICO 08 has some benefits to help qualified people improve their credit scores. These benefits are more "forgiving" to certain types of credit activities, including:
Small debt forgiveness. In the old formula, unpaid debts under $100, like parking tickets, library fines, or small medical bills, would negatively affect your credit score. FICO 08 removes this type of debt from impacting your score.
Home repossession forgiveness. If you've had your home repossessed, or have had a charge off made on a loan balance you owed (meaning that the account was delinquent for so long that the lender considered it a loss), FICO 08 lessens the negative effect to your credit. This part of the new formula is dependent on the fact that all of your other accounts remain in good standing.
One-time late payment forgiveness. FICO 08 recognizes the difference between a "one-time" offender and someone who repeatedly misses payments. If you have a good on-time payment track record, you won't be penalized as heavily for a single late payment.
Better "starter" scores. To open up more credit opportunities, FICO 08 will more closely analyze the profiles of new borrowers and those just starting out with a few credit accounts. This is designed to make more credit available to people who have trouble building a credit score because of their limited history.
Stricter Guidelines for Bad Debt
FICO 08 is also designed to lower the credit scores of borrowers who have certain profiles, while protecting lenders against making bad loans:
High debt-to-income ratio (DTI). Basically, your DTI is the amount of money you earn compared to the amount of debt you carry. This balance of income vs. debt is a good indicator to lenders of your ability to repay your loans. If you carry a lot of debt compared to what you bring in each month, the new formula will significantly lower your credit score.
Eliminating "piggybacking." Piggybacking is a method of improving the credit score of your children or spouse by adding them onto your accounts and letting them benefit from your higher score. However, there are many "credit repair" websites that abuse the system by arranging for people with poor credit to become authorized users on accounts of strangers with better credit. FICO 08 is set up to eliminate the abuse of this practice.
More bad credit files. FICO 08 determines credit scores by separating all credit files into 12 different categories. The new formula introduces two new "bad credit" categories that will negatively affect millions of credit profiles. The Fair Isaac Corporation hasn't announced when the new scores will be available to consumers, so ask your lender if they are using this and how it may affect you.
Your FICO score is one of the most important factors in determining your credit profile. For the most part, the new FICO 08 rating guidelines are a benefit to those who use their credit responsibly and pay down loan balances by making their payments on time. If you're carrying a large balance, and want to find out more about what you can do to improve your credit rating, read Taking control of your credit score. By understanding how certain credit events can affect your credit score, you can begin building a stronger financial future.
FICO is a registered trademark of The Fair Isaac Corporation, courtesy of www.myfico.com and www.bankofamerica.com.
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| ASPCA ASSISTS IN LARGEST DOG FIGHTING CRACKDOWN IN U.S. HISTORY
On Wednesday, July 8, the ASPCA began assisting federal and state agencies in what is believed to be the largest crackdown on dog fighting in U.S. history. The raid spans eight states so far—Missouri, Illinois, Iowa, Texas, Oklahoma, Arkansas, Nebraska and Mississippi. Arrests have been made in all eight states.
Nearly 400 rescued dogs were safely transported to a secure facility under the direction of the Humane Society of Missouri’s (HSMO) Animal Cruelty Task Force, where they will be cared for until final disposition is determined by the U.S. District Court. 
“The ASPCA is determined to protect the nation’s pets from dog fighting and other forms of brutality,” says ASPCA President & CEO Ed Sayres. “Animal cruelty cannot be tolerated, and we are proud to lend our support to federal and local agencies to ensure that these abusers are brought to justice.”
At the request of HSMO, the ASPCA is lending the services of its special forensic cruelty investigation team—including disaster animal rescuers, field service investigators and Dr. Melinda Merck, the nation’s premier forensic veterinarian—to collect evidence for the prosecution of the criminal case. The ASPCA’s Mobile Animal Crime Scene Investigation Unit, outfitted with medical equipment tailored specifically for animal patients, is also on hand.
The ASPCA will also eventually assist in behavior evaluations of the dogs.
Dog fighting is banned throughout the United States and is a felony in all 50 states. If convicted of animal fighting charges, those arrested each face up to five years in prison.
Your support makes it possible for the ASPCA to rescue animals from this horrendous life. Your generosity allows our experts to collect the evidence needed to build cases against and prosecute animal cruelty offenders.
Photos: The ASPCA in Action—ASPCA team members on the ground in Missouri assisting in largest-ever dog fighting raid.
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| Always remember to Make Pet Adoption Your First Option®!
ASPCA | 424 E. 92nd St | New York, NY | 10128
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The Islands, Nampa - Announcing a price reduction on 2312 E Harbour Grove Dr., a 2,458 sq. ft., 3 bath, 4 bdrm 2 story "2 master suite!". Now MLS® $229,700 USD - BUYER LOST FINANCING!.
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The Short and Simple Story of the Credit Crisis.
Crisisofcredit.com
The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California.
For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world, visit jonathanjarvis.com.
Support the project and buy a T-Shirt! cafepress.com/crisisofcredit
© Copyright 2009 Jonathan Jarvis
if you can't see it go to :
http://vimeo.com/3261363
The Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.
Terrific price for location ans size!
• 2,458 sq. ft., 3 bath, 4 bdrm 2 story - MLS® $229,900 USD - BUYER LOST FINANCING!
The Islands, Nampa - ****************GET FREE INFO NOW 24/7******************
Dial 208 - 672 - 9900 - then when prompted insert the Property Code #62185
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BUYER LOST FINANCING! VACANT, ready to move-in TODAY!!!
HAVE TO SELL, SELLERS ALREADY MOVED OUT! Relocation!
Custom & immaculate, this former parade home in on private 1/3 acre next to the putting green.
Divine design meets lots of space!
This ready to move-in property has a lot to offer: formal master w/corner fireplace & large sitting area, walk-in closet, soaker tub & walk-in shower, formal dining, large open & bright kitchen, fireplace, central vac, generous bonus room (2nd master?), huge deck off the master w/view of the mountains, massive yard w/wrought iron fencing, stamped concrete patio.
BTVA
****************GET FREE INFO NOW 24/7******************
Dial 208 - 672 - 9900 - then when prompted insert the Property Code #62185
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The Islands, Nampa - Announcing a price reduction on 2312 E Harbour Grove Dr., a 2,458 sq. ft., 3 bath, 4 bdrm 2 story. Now MLS® $229,900 USD - BUYER LOST FINANCING!.
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Cedar Springs, Meridian - Announcing a price reduction on 756 W Bird Wing Dr, a 1,606 sq. ft., 3 bath, 4 bdrm 2 story "2 large living areas and huge yard!". Now MLS® $179,900 USD - Neat as a pin! Must sell!.
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Sunny Ridge, Nampa - Announcing a price reduction on 610 Fair Lane, a 3,226 sq. ft., 3 bath, 6 bdrm 1 1/2 story "Single level with bedroom upstairs". Now MLS® $199,900 USD - Waouh pricing! Sell now!.
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CA: Fight Cuts to Holding Period at Animal Shelters!
CA Budget Proposal to Shorten Animal Holding Periods at Shelters
ASPCA Position: Oppose
Action Needed: Call your California state senator and assemblymember to urge them not to shorten animal holding periods at shelters! Because of the $24 billion budget deficit facing the State of California, Governor Schwarzenegger has proposed cutting state funding to city and county animal shelters. In 1998, California passed a law that made the minimum, statewide stray animal holding period six days per animal. This “animal adoption mandate” allows pet owners time to locate lost animals and gives unclaimed animals more time to either be adopted or transferred to rescue organizations. Governor Schwarzenegger wants to suspend the mandate and drastically cut the holding period, giving animals in shelters three days or less to be claimed or adopted. By shortening the animal holding period, the state will relieve its budget deficit by a mere one-tenth of one percent (0.1%). If state funding is reduced, shelters will be put in a very difficult position. The tidal wave of home foreclosures has dramatically increased the number of surrendered and abandoned animals, placing a tremendous financial burden on these already overwhelmed shelters. Suspending the “animal adoption mandate” will have life-or-death consequences for California’s neediest animals. What You Can Do
Call your senator and assemblymember in the California Legislature and ask them to oppose the governor’s proposal to suspend the animal adoption mandate. When you call, you will most likely speak to a staff member who will offer to pass your message along to your senator and assemblymember. Here are a few suggestions that may help you when speaking to a legislative staffer: - Give your name and address so they know you are a constituent.
- Tell them that you strongly oppose the governor’s proposal to shorten animal holding periods at shelters.
- Be sure to thank the person you speak with for taking the time to consider your views.
Afterwards, please use the link below to let us know you called. Thank you for your help, California. |
To find your elected officials, please enter your ZIP Code. If you live in a split district, you may need to enter your full address. | | | | Address: | | | | City: | | | | State: | | AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY AS FM GU MH MP PR PW VI AA AE AP AB BC MB NB NL NS NT NU ON PE QC SK YT None | | ZIP Code: | | |
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From www.ASPCA.org |
https://secure2.convio.net/aspca/site/Advocacy?alertId=2587&pg=makeACall&JServSessionIdr011=gb0t9za4b3.app25b
Homes in these 10 ZIPs spend the least time on the market
Matt Woolsey
from www.Forbes.com
For sale signs haven't been lasting long in Redwood City, an affluent suburb of San Francisco populated with million-dollar homes, waterfront marinas and the corporate headquarters of tech companies like Oracle and Electronic Arts.
That's particularly true in 94065 ZIP code, where listed properties on average last only 40 days. Prices are down 15%, but homes are moving.
Why? Even though the area's median home price is a relatively high $1.07 million, Redwood City is considered entry level among Silicon Valley's luxury neighborhoods; in neighboring Atherton and Burlingame, the median price is $4.1 million and $3.7 million, respectively. What's driving the price disparity? In this area of the country, higher-end sellers are less willing to drop their prices, while less affluent ones may want to cash in their chips and get out.
If you don't have to sell, don't sell, goes the common refrain. But if people need to move their house, they're more willing to negotiate, experts say.
Blame, in part, incomes. Median earners in Redwood City take home $73,000 a year, according to the Census Bureau. The median age there is 35. In Atherton, just two miles away, the median age is 45, and median incomes fall above the $200,000 mark, at which the Census stops counting. That means that those living in Redwood City might be forced to sell low, while those in Atherton, in all likelihood, have larger nest eggs and are more able to wait out the market.
Behind the Numbers
Our list of fastest luxury movers, which includes Woodmere, N.Y., (11538), Coral Gables, Fla., (33146), Palo Alto, Calif., (94303) and Great Neck, N.Y., (11021) in the top five spots, comes from the Forbes Luxury Housing Index, which tracks the 500 most expensive ZIP codes in the country using real estate statistics provided by Altos Research, a Mountain View, Calif.-based research firm. While the complete index currently averages 115 days on the market, the 10 fastest-selling ZIPs average only 66 days.
But before you start calling a housing market turnaround, it's important to understand why homes are selling quicker in these 10 areas. Another big reason--beyond price drops--is that non-motivated sellers are opting to pull their homes from the market, leaving only those sellers eager to negotiate for a deal and buyers with less inventory from which to choose.
"It has to do with a lot of the lower quality homes coming off the market," says Jonathan Miller, president of Miller Samuel, a Manhattan-based appraisal firm. "In a high-priced market like Great Neck, the lower days on market just shows the willingness of people to pull things off the market rather than take a price cut."
Transactions occur when realistic sellers stay in the marketplace. In places like the Rockridge neighborhood of Oakland (94618), which sits atop the hills and has views of the San Francisco and the Bay, sellers are moving properties for 15% to 20% price cuts, and doing so quickly. Homes there are selling in an average of 67 days.
For neighborhoods at median price points around $1 million, like Larchmont, N.Y., (10538), or Great Neck, N.Y., (11020), Miller says that sellers should expect to continue to negotiate downward this spring selling season, as further cuts would bring prices within range of new federal loan limits, a stimulus for sales.
Loans above $729,750 are considered jumbo and are available at a 6.5% 30-year fixed interest rate, according to HSH Associates, a Pompton Plains, N.J., research group. Conventional loans are currently being offered at a 5% average interest rate for 30 years, which would save buyers a substantial amount of money on their mortgage and, as a result, can tip the balance of a sale.
"With a 20% down payment, a $915,000 home fits within the $729,750 Federal Housing Administration loan limit," says Miller. "And the disparity between availability of conventional financing and jumbo financing will affect a lot of these markets."
Copyrighted, Forbes.com. All rights reserved.
Today a new bill was passed by the U.S. Senate with the intent of restricting abusive practices in the credit card industry. A House bill was passed on May 12th and will be reconciled with the Senate version and President Obama hopes to sign it before Memorial Day. So what does this bill contain and what does it mean for consumers?
First of all here is a summary of the new rules:
- Credit card companies will be required to mail a bill 21 days before it is due.
- Universal default will no longer be allowed. This means that borrowers who are late or default on one card would not have their rates raised by another lender as long as the second lender is being paid on time.
- Rates may not be raised on borrowers until they are 60 days past due. As long as the borrower becomes current and pays on time for 6 months after they were delinquent the rates have to be lowered to its original amount.
- Extra fees for paying over the phone or online will be disallowed.
- If you have more than one card with a company, your payments must be applied to the card with the highest interest rate first.
- Issuers have to notify customers of rate changes 45 days before the change.
- Late fees cannot be assessed if the issuer delayed crediting the payment.
- Rates cannot be increased in the first year and promotional rates have to last at least six months.
- Penalty fees for going over the credit limit is disallowed unless the cardholder agrees to it. If the cardholder does not agree to transactions over the limit then the transaction would be rejected.
- Issuers must disclose the time and total interest costs it would take for consumers to pay off a balance if only minimum payments are made.
- Gift cards must keep their full balance for at least five years.
- Consumers under the age of 21 must have a co-signer who is willing to take on the responsibility of the debt unless they can prove they have the ability to pay. Most likely a parent has to co-sign. Additionally limit increases must be approved by the parent.
Finally, a completely unrelated amendment that is going into this bill is that you are now allowed to carry guns in national parks and wildlife refuges again. I am not quite sure that is in a credit card bill.
I think most of these changes are good since they are designed to stop consumers from falling into costly traps such as a $35 charge for being $2 over limit. Additionally, notifying a consumer how long it would take to pay off his or her debt is a good reminder as to how expensive credit can be and that notice with every statement may encourage people to pay more than the minimum. I think the item that allows a delinquent borrower to keep the same rate as before is a bit questionable because it could give people the impression that there is no consequences if they skip a payment or two. If a borrower becomes deliquent there is a higher chance that he or she would default, and so it makes sense to raise the rates to offset the risk. Another rule that I find somewhat detrimental and restrictive is that young people up to the age of 21 have to get a cosigner. This may prevent many responsible young adults from building up a credit history if they do not have a person who is willing to cosign.
Credit card companies generally do not make much money off borrowers who default completely, and the best customers for them are those who pay the minimum balance on time. Those who pay the entire balance on time and incur no interest or penalties are ironically known as "deadbeats" in the credit card industry. I think the changes will definitely prompt credit card companies to be more strict in who they hand cards to. This could mean that people with little credit history or low credit scores will have a harder time getting a card and the interest rates may be higher than now, but that may encourage more people to save their cash to buy things.
One potentially negative effect that has been discussed in many media outlets is that credit card issuers may want to recoup their "losses" on deceptive practices from the card payers who pay their balances in full every month. Reward programs may be cut, and the annual fee may return. However, I think consumers with great credit and the discipline to pay in full every month will just abandon the cards that try to squeeze more out of them. After all, issuers still make money off these customers through transaction fees. Even though the margin is smaller, these customers are better than those who default completely. I do believe that reward programs may be less rewarding in the future, so it might be worthwhile to cash in those points while the rewards are still good.
These changes will not go in effect until early next year, and the credit industry is not too happy with them. Do you think that these rules are reasonable? Have you dealt with any abuse from credit card companies?
Curtesy of www.wisebread.com
Posted May 19, 2009 - 18:17 by Xin Lu
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Foothills East, Boise City - We invite everyone to visit our open house at 2079 E Parkside Drive on May 16 from 2:00 PM to 5:00 PM.
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