Equity Home Loans

Is National City Mortgage the same a national city bank? Im trying to find a National City in Oregon. i found one in lake oswego. but one site says its a National City Bank and one says its a National City Mortgage. Can i still go in and send money to someone in Pennsylvania? i just wanna send someone money from one national city bank to another. please help

lost my payment book for my house how do i send my payment to national city mortgage?

National City Mortgage - is it going out of business?

What is the average salary for a Mortgage Loan Originator for National City Bank?

Has any one been riped off by a mortgage company? I had made additional payments to National City Mortgage and applied to get relief of PMI and they would not cancell the payment. Even when I had payed my loan down to below 80% as they stated on their web site. Their site had the word "may" as to indicate this would not be that easy. PMI is a cash cow for banks and even when on faith you make all the required payments they still hold you hostage. To make matters worse they wanted to have me pay for an aprasel. This bank was unfair and all they wanted to do is pass the bulk to the PMI underwriter. Advice: Don't let this banK or anyother bank screw you, get a loan for 20%

ING Mortgage? I just read a few "answers" to someone's post about ING Mortgage, and I am confused. ING Mortgage is telling me hand's down that it is 695.00, plus odd days interest, and then the mortgage tax, and that is it. In their paperwork, they indicate "there will be some 3rd party fees" but when I ask them about it, they say "No, these are listed by law, but you (me the consumer) do not pay them, they do." However a mortgage guy @ National City Mortgage told me to BEWARE.... he said that they can't pay 3rd party fees themselves b/c it would be illegal. On different Yahoo answers, it supports what my National City Mortgage guy told me, but ING SWEARS that I will not have to. I would like to have it listed directly to me opinions from others on this site who either have applied for an ING mortgage, have one, or an expert. This is not clear - I'm sorry. Cna someone tell me of an experience with ING Mortgage or any intelligence you have on company?

Is money in National City Bank safe? I understand National City Bank (Cleveland, Hdqtrs) is in financial trouble primarily because of the subprime Home Mortgage deals that have gone and are going "sour". Will they go under or will they survuve?? If someone has money there, is it safe???

How likely are mortgage companies willing to change due dates or payment dates? I have 4 bills due on the 1st of the month which is a real pain since I get paid on the 30th or 31st which is last day of the month. This means my 4 bills are due the next day. I would like to see if these companies will allow me to push my due dates back about 2 or 3 days to give me enough time to actually sit down and make the payment. Luckily for me I use online payments or this would be an even larger issue if I were to have to mail a check in. Money is a bit tight right now so I am pretty much living paycheck to paycheck so I dont have the opportunity right now to pay them in advance, I have to wait until my check comes in before I can make my payment. One of the payments due is my mortgage and they dont tend to fart around with things like this, so I am wonder if anyone knows if National City Mortgage will in fact move my due date back 2 or 3 days. GE Online Service are the other two and Nationwide Insurance is the last one that all need to be moved. Think it can be done?

How many monthly payments do you have to miss before the mortgage lender attempts to Foreclose on a home? The answer that was given was either misleading, uninformed or confused. The Mortgage Industury, which supports flipping of houses, has changed the law on the Federal level where they can take your home with one missed payment. I do not who this 'expert' is. I lived through it with National City Bank. I missed one (singular payment. Although their 'Loss Mitigation Dept' try to work with me, the repayment to get back on track was $1,000, next month $4000 and the next $9,000. In the meantime they hired a foreclosure attorney which sent me threatening letters, but years end, the so-called amount to right the loan was $64 thousand dollars. You see, in West Jordan Utah, house prices skyrocketed from $130K to $350K. National City bought the home back from themselves for $108K. I had short sale offers as high as $122K. Instead I filed bankruptcy to stop the foreclosure on automatic stay. The Fed Bankruptcy Court let the house go in May 2004 to the NCM, profteering.

The Title company I work for has begun pulling all its money out of National City because they fear it will? fail. They're putting it in local banks that don't do mortgages. How bad is this going to get? It's true - and you're right, they're trying to keep it a secret. but they don't know who I am here.

If a mortgage company is sold, does the buyer have to honor all former contracts? I am about to start construction on a house and have my constrcution loan thru National City, they will also be the owner of the mortgae when the loan is converted at the end of construction. If NC is sold before the loan gets converted, will the new buyer of NC have to honor the details of the loan agreement I had with NC, or will I be at risk of having to redo the mortgage loan and potentially have to pay a higher interest rate?

can a person get a mortgage loan with a credit score of 650? If so where? I have had credit trouble in the past. I am now trying to rebuild. I am finding it hard to get a mortgage loan or a major credit card. I have read stories about people getting loans with credit scores lower than mine. I found National City bank on a web site with stephen's life after bankruptcy newsletter. Where are people getting these loans, with low credit scores. I live in Alabama. I can't get a bank loan. I am not in bankruptcy. Please tell me the names of the mortgage companies that can work with me. I have read stories where people credit score is in the 500's. They are buying cars and homes right after they file bankrupt. Thank you

I have been approved for the mortgage, got final OK from the underwriter. what is the next in the process? I got approved for the mortgage through national city, and last week the loan officer said that I had the final ok from the underwriter. She said that all they needed was the appraisal (which was completed last week), the title work, my most recent bank statement, and home insurance. We are scheduled to close on the house on 12-1-07, and the loan officer said that she thought we were on the right track to getting it closed. Is it ok to start getting excited about the house or is there still a chance that it wont go through??? I already had a professional home inspection and made an repair amendment to the sales contract for those repairs.

How can a $120K house cost $1200/mo w/ a 6.7% rate at 30 y-fixed mortgage? Good friends of mine are about to become 1st time home owners and told me unflinchingly that their mortgage payment would be $1200/mo for a house less than $120K. This is through National City bank and not even a broker! They are using a 30 year fixed rate at 6.7%. How is this possible? I pointed out that using an amortization table their payments should be just under $800 excluding taxes and home owners insurance, neither of which could possibly explain the $400/month difference (they are living in the midwest in a lower tax area, estimated the taxes are about $1,000/yr). I am trying to find the right way to explain to them that they are being taken advantage of without jeopordizing our friendship, but I wanted to make sure there was nothing I was missing that could explain why they are paying $400/month more than I think they should based on that purchase price and rate. Thanks 1. Definitely a 30 year fixed, not a 15 year fixed 2. Not the property taxes, they live in the country of Ohio. Our taxes are low (for this house about 1,000 per year).

WIll mortgage underwriter give final approval? I was pre-approved for FHA home loan. Found house, accepted offer, had professional home inspection done, and national city loan officer stated that I was approved for the loan. She stated that the appraisal and title work was ordered, and she was waiting on final ok from underwriter. What things can keep me from getting final approval.

IF you have a home, Why would you not refinance to a lower rate? I am a loan officer for National City Mortgage. One of the largest banks in the US. Our rates are awesome, with no junk fees, or extra costs. SO my question is this, as I speak with home owners, what could be the possible reason for someone to turn down a refinance, if they can get a lower rate and save any where from $50-$200 a month? I am a bit confused and baffeled, so I figured why not ask some of you to see what your reasons could be to say no?

Advice from those who have done a deed in lieu!? Our story... We had to relocate in 8/07 for my husbands job. We put our house on the market in ILL in 8/07 and it still has not sold. We have lowered the price to the point we will get nothing or possibly even have to pay a bit to get rid of it. We are current on our payments right now, but we are running out of funds to keep paying for the house. I noticed on the HUD website you must be 31 days past due to qualify for a deed in lieu. I still think this seems like a viable option for us at this point. I would rather not go 7-8 months past due and have to foreclose then. Anyone out there that has done a deed in lieu I am looking for any advice on this process. How did it affect your credit? Right now we both have scores in the 700 range and have never had late payments on anything. What was the process like? Just in case anyone out there has dealt with National City Mortgage that is where our loan is. We can not refinance as we have not owned the home long enough to build any equity and our rate is already very good. I would really like to get advice from anyone who has done a deed in lieu and your thoughts after the process... THANK YOU!!!!!!

If your city had the weakest housing market, would you buy or rent? According to an article on Yahoo, Detroit is #1 for the weakest housing market. If you lived in an area where people couldn't give away homes for free, and houses are being foreclosed left and right, but you had to stay (for the time being) would you rent or buy? I am hesitant to invest in a house with the national housing market the way it is. A friend of my husband's bought a small house in a suburb of Detroit and invested thousands and thousands of dollars into it. I would be worried that if I needed to move, I would either lose money on the deal or wouldn't get a buyer. My mother in law has had her house up for sale for a year. My husband and I rent. Many say that is throwing money away, but in an unstable economy, it is nice to not be locked into a 30 year mortgage. Especially, when our unemployment rate is almost double the national average. My family and my husband's family are in Detroit. I hate it here, but moving isn't in the cards yet. The unemplyment rate is just under 8%. Large corporations are leaving left and right (ie. Comerica). We just had a government shutdown which led to an increase in taxes due to the state debt. Only Louisiana is worse off than we are, and that is due to a natural disaster (Hurricane Katrina). My husband and I have both been laid off numerous times. This past time, it took me almost 4 months to find a job. It's feast or famine. Hence, my hesitation.....

With the complete failure of Fannie Mae, Do the Democrats still want the government involved in health care? Doesn't this sound like how the Democrats are treating health care now? The Federal National Mortgage Association (Fannie Mae) has launched a program to provide $1 trillion in financing to 10 million low- to moderate-income families buying homes by the year 2000. Fannie Mae also will be providing mortgage loans to inner-city residents. When it comes to having a piece of the American pie, the material evidence of home ownership has always ranked high on the lists of most people. Unfortunately, that dream has often been deferred for African-Americans. Studies by academicians and community activist groups detailing the high incidence of redlining and mortgage loan discrimination have led to sound bite exposure in the media, and a cynical approach to ... And go figure, and company that pay's NO TAXES, has to be bailed out. Not apples and oranges, complete apples. The government involved in lending, the government involved with insurance.

How is the real estate market in New York City (specifically, Queens)? I am looking to purchase a *cheap* coop in Queens and my real estate broker told me that although property is moving slower than normal, coops are still a hot commodity. i don't know if he's just saying this so that i will bid higher, but i would like some concrete facts on coops and real estate in general in New York. i hear all the time on the news about national averages on mortgages and foreclosures, but New York is a bit of a different animal so if anyone could point me to specific websites with more info, i would be very grateful. thanks a lot.

Should I buy this house? I currently work for a property management company that provides me with a free place to live. The problem is, they told us they are laying us off this next month and me and my husband have a huge dog so we cant go rent an apartment. It is nerve wrecking to live with the uncertainty of not knowing when we need to move out so we thought of buying a small home with a small yard for our dog. We found a 1 bed 1 bath in National City (in San Diego, CA) for 136K with seller paying closing costs. The house is 528 sq. feet but very cute. There is no driveway or garage. We could rent it out on a month to month lease until I get laid off. The mortgage would be 1077 per month which my husband can afford on his own even if I get laid off. I am hesitant to buy because prices keep going down but then again, interest seems to be going up too. I am confused. I need to sign if I am to accept the offer tomorrow. Any advice? The payment includes PITI, principal, taxes, insurance and insurance. This house has another bed and bath addition to the side of the house.

Am I making a good real estate purchase? I currently work for a property management company that provides me with a free place to live. The problem is, they told us they are laying us off this next month and me and my husband have a huge dog so we cant go rent an apartment. It is nerve wrecking to live with the uncertainty of not knowing when we need to move out so we thought of buying a small home with a small yard for our dog. We found a 1 bed 1 bath in National City (in San Diego, CA) for 136K with seller paying closing costs. The house is 528 sq. feet but very cute. There is no driveway or garage. We could rent it out on a month to month lease until I get laid off. The mortgage would be 1077 per month which my husband can afford on his own even if I get laid off. I am hesitant to buy because prices keep going down but then again, interest seems to be going up too. I am confused. I need to sign if I am to accept the offer tomorrow. Any advice? Just out of curiosity, I listed the home as a rental on Craigslist without pictures or exact address at $1090 per month and I got 20 interested parties in one day. I know I can rent it out for the full mortgage payment. The house has another bath and bedroom addition making the house a total of 2 bed 2 bath. Permits unknown.

When will we americans regain our national integrity? IMMIGRATION IN THE 20TH AND 21ST CENTURY - THE CURSE OF CIVILIZED NATIONS AND DECENT PEOPLES. Immigration to America in the 17th to 19th century was by decent, hardworking, well intentioned people, heading to America with honorable intentions to build and contribute to society. They created a workable social system with benefits to the deserving and a society of well-intentioned and decent people. But no such people come any more. Now they come in droves, packing the major cities, causing an increase in crime, congestion, and taxes as real estate rents soar, parking is unavailable or exorbitantly high. Americans who took their entire lives to pay off their home mortgages, now find that the taxes on their homes are so high, they cant afford to live in them any more and the congestion so bad, they cant even find a place to park in front of their own homes. Many have to pack up and move out of the city, just to make ends meet, and then face the arduous daily hours of driving back and forth just to get to work and back home. That is, those that still have jobs, since as this goes on, jobs disappear, either right here where we get laid off, or the whole company moves out to a cheap labor country. And as the hordes make demands for energy needs, power needed to heat and light homes and buildings is insufficient, and cities black out, the demand for gas soars, heating prices skyrocket, and our own supply of gas becomes insufficient to meet our own needs, and we become victims of the arabs, who use the pumps to revenge our policies they don’t like. Even the price of food is soaring to feed these unwelcome parasites. They pile over the borders or by plane on visitor visas, preying on the good naturedness of Americans to provide a refuge for the oppressed, they connive the appearance of the downtrodden and persecuted, and then sit down comfortably and stay here, leeching off the health care system which faces bankruptcy in 20 years, the welfare system that us sucker u.s. taxpayers have to pick up the tab for, and which we spent decades to build. Social parasites from latin america, flock here to live free on us sucker taxpayers, dragging their families and relatives in, once they get green cards and then swamping the health care system with their third world illnesses and birth defects. And the other breed of latinos – criminals of the most evil intensities terrorizing communities in which they rob and kill. Thieves and common criminals from the countries of eastern Europe and the soviet union, hearing that there is still stuff on store shelves when stores close, that hasn’t been shoplifted or sold, come and steal, with impunity. Mafia organizations that control Russia and the countries of the former soviet union, setting up foreign crime systems that specialize in grand larceny, weaponry, even nuclear arms materials for sale, stolen from the old soviet system, available for sale to our enemies, raking them million$. Africans with strange ,deadly diseases walk in, causing epidemics and death to our gay citizens and to innocent people in general and swamping the health care system. Asians with alien religious philosophies, contrary to Christian monotheism, poisoning the minds of our youth. And they come and take our jobs away here in America, while employers, enticed by cheap labor, move their companies there, leaving us unemployed,. Terrorists walk in and go about their death tactics with ease and we shudder at what they will do to us next. All, contributing to crime, violence, social unrest. Finally, To add insult to these injuries to our nation, our government picks up the tab for hundreds of thousands of third world “students” to come, pack our universities tuition free at the expense of us US taxpayers ,while we Americans fall into debt to pay for our own children to get a college education. AND WE ARE EXPECTED TO PICK UP THE TAB WORLDWIDE FOR THEM, WHENEVER S--T HAPPENS ANYWHERE. What kind of fools are running this country? What kind of fools are we to let this go on? And WHATEVER HAPPENED TO LAW AND ORDER?

21 yr. old, and wanting to retire in 20 years or less. Is this possible? If so, how? I net $29k a year, which doesn't sound like a lot, but the cost of living in my city is way below the national average. I have no debt, besides my mortgage payment. Currently, about 45-50% of my income a month goes to bills. (Mortgage, Utilities, Phone, etc) If it isn't likely possible for me to retire in 20 years or less, what would be another good course of action for me? How should I invest? Roth IRA? or 401k? etc?

Please Read. What does it mean to you with the current state of the union and world? Were we warned? Farewell Address Farewell Radio and Television Address to the American People by President Dwight D. Eisenhower, January 17, 1961. -------------------------------------------------------------------------------- My fellow Americans: Three days from now, after half a century in the service of our country, I shall lay down the responsibilities of office as, in traditional and solemn ceremony, the authority of the Presidency is vested in my successor. This evening I come to you with a message of leave-taking and farewell, and to share a few final thoughts with you, my countrymen. Like every other citizen, I wish the new President, and all who will labor with him, Godspeed. I pray that the coming years will be blessed with peace and prosperity for all. Our people expect their President and the Congress to find essential agreement on issues of great moment, the wise resolution of which will better shape the future of the Nation. My own relations with the Congress, which began on a remote and tenuous basis when, long ago, a member of the Senate appointed me to West Point, have since ranged to the intimate during the war and immediate post-war period, and, finally, to the mutually interdependent during these past eight years. In this final relationship, the Congress and the Administration have, on most vital issues, cooperated well, to serve the national good rather than mere partisanship, and so have assured that the business of the Nation should go forward. So, my official relationship with the Congress ends in a feeling, on my part, of gratitude that we have been able to do so much together. II We now stand ten years past the midpoint of a century that has witnessed four major wars among great nations. Three of these involved our own country. Despite these holocausts America is today the strongest, the most influential and most productive nation in the world. Understandably proud of this pre-eminence, we yet realize that America's leadership and prestige depend, not merely upon our unmatched material progress, riches and military strength, but on how we use our power in the interests of world peace and human betterment. III Throughout America's adventure in free government, our basic purposes have been to keep the peace; to foster progress in human achievement, and to enhance liberty, dignity and integrity among people and among nations. To strive for less would be unworthy of a free and religious people. Any failure traceable to arrogance, or our lack of comprehension or readiness to sacrifice would inflict upon us grievous hurt both at home and abroad. Progress toward these noble goals is persistently threatened by the conflict now engulfing the world. It commands our whole attention, absorbs our very beings. We face a hostile ideology-global in scope, atheistic in character, ruthless in purpose, and insidious in method. Unhappily the danger it poses promises to be of indefinite duration. To meet it successfully, there is called for, not so much the emotional and transitory sacrifices of crisis, but rather those which enable us to carry forward steadily, surely, and without complaint the burdens of a prolonged and complex struggle-with liberty at stake. Only thus shall we remain, despite every provocation, on our charted course toward permanent peace and human betterment. Crises there will continue to be. In meeting them, whether foreign or domestic, great or small,there is a recurring temptation to feel that some spectacular and costly action could become the miraculous solution to all current difficulties. A huge increase in newer elements of our defense; development of unrealistic programs to cure every ill in agriculture; a dramatic expansion in basic and applied research-these and many other possibilities, each possibly promising in itself, may be suggested as the only way to the road we wish to travel. But each proposal must be weighed in the light of a broader consideration: the need to maintain balance in and among national programs-balance between the private and the public economy, balance between cost and hoped for advantage-balance between the clearly necessary and the comfortably desirable; balance between our essential requirements as a nation and the duties imposed by the nation upon the individual; balance between action of the moment and the national welfare of the future. Good judgment seeks balance and progress; lack of it eventually finds imbalance and frustration. The record of many decades stands as proof that our people and their government have, in the main, understood these truths and have responded to them well, in the face of stress and threat. But threats, new in kind or degree, constantly arise. I mention two only. IV A vital element in keeping the peace is our military establishment. Our arms must be mighty, ready for instant action, so that no potential aggressor may be tempted to risk his own destruction. Our military organization today bears little relation to that known by any of my predecessors in peace time, or indeed by the fighting men of World War II or Korea. Until the latest of our world conflicts, the United States had no armaments industry. American makers of plowshares could, with time and as required, make swords as well. But now we can no longer risk emergency improvisation of national defense; we have been compelled to create a permanent armaments industry of vast proportions. Added to this, three and a half million men and women are directly engaged in the defense establishment. We annually spend on military security more than the net income of all United States corporations. This conjunction of an immense military establishment and a large arms industry is new in the American experience. The total influence-economic, political, even spiritual-is felt in every city, every state house, every office of the Federal government. We recognize the imperative need for this development. Yet we must not fail to comprehend its grave implications. Our toil, resources and livelihood are all involved; so is the very structure of our society. In the councils of government, we must guard against the acquisition of unwarranted influence, whether sought or unsought, by the military-industrial complex. The potential for the disastrous rise of misplaced power exists and will persist. We must never let the weight of this combination endanger our liberties or democratic processes. We should take nothing for granted only an alert and knowledgeable citizenry can compel the proper meshing of huge industrial and military machinery of defense with our peaceful methods and goals, so that security and liberty may prosper together. Akin to, and largely responsible for the sweeping changes in our industrial-military posture, has been the technological revolution during recent decades. In this revolution, research has become central; it also becomes more formalized, complex, and costly. A steadily increasing share is conducted for, by, or at the direction of, the Federal government. Today, the solitary inventor, tinkering in his shop, has been over shadowed by task forces of scientists in laboratories and testing fields. In the same fashion, the free university, historically the fountainhead of free ideas and scientific discovery, has experienced a revolution in the conduct of research. Partly because of the huge costs involved, a government contract becomes virtually a substitute for intellectual curiosity. For every old blackboard there are now hundreds of new electronic computers. The prospect of domination of the nation's scholars by Federal employment, project allocations, and the power of money is ever present and is gravely to be regarded. Yet, in holding scientific research and discovery in respect, as we should, we must also be alert to the equal and opposite danger that public policy could itself become the captive of a scientific-technological elite. It is the task of statesmanship to mold, to balance, and to integrate these and other forces, new and old, within the principles of our democratic system-ever aiming toward the supreme goals of our free society. V Another factor in maintaining balance involves the element of time. As we peer into society's future, we-you and I, and our government-must avoid the impulse to live only for today, plundering, for our own ease and convenience, the precious resources of tomorrow. We cannot mortgage the material assets of our grandchildren without risking the loss also of their political and spiritual heritage. We want democracy to survive for all generations to come, not to become the insolvent phantom of tomorrow. VI Down the long lane of the history yet to be written America knows that this world of ours, ever growing smaller, must avoid becoming a community of dreadful fear and hate, and be, instead, a proud confederation of mutual trust and respect. Such a confederation must be one of equals. The weakest must come to the conference table with the same confidence as do we, protected as we are by our moral, economic, and military strength. That table, though scarred by many past frustrations, cannot be abandoned for the certain agony of the battlefield. Disarmament, with mutual honor and confidence, is a continuing imperative. Together we must learn how to compose difference, not with arms, but with intellect and decent purpose. Because this need is so sharp and apparent I confess that I lay down my official responsibilities in this field with a definite sense of disappointment. As one who has witnessed the horror and the lingering sadness of war-as one who knows that another war could utterly destroy this civilization which has been so slowly and painfully built over thousands of years-I wish I could say tonight that a lasting peace is in sight. Happily, I can say that war has been avoided. Steady progress toward our ultimate goal has been made. But, so much remains to be done. As a private citizen, I shall never cease to do what little I can to help the world advance along that road. VII So-in this my last good night to you as your President-I thank you for the many opportunities you have given me for public service in war and peace. I trust that in that service you find somethings worthy; as for the rest of it, I know you will find ways to improve performance in the future. You and I-my fellow citizens-need to be strong in our faith that all nations, under God, will reach the goal of peace with justice. May we be ever unswerving in devotion to principle, confident but humble with power, diligent in pursuit of the Nation's great goals. To all the peoples of the world, I once more give expression to America's prayerful and continuing aspiration: We pray that peoples of all faiths, all races, all nations, may have their great human needs satisfied; that those now denied opportunity shall come to enjoy it to the full; that all who yearn for freedom may experience its spiritual blessings; that those who have freedom will understand, also, its heavy responsibilities; that all who are insensitive to the needs of others will learn charity; that the scourges of poverty, disease and ignorance will be made to disappear from the earth, and that, in the goodness of time, all peoples will come to live together in a peace guaranteed by the binding force of mutual respect and love.

please process the following tax return.? Tax Lab #3 Jennifer V. Michaels Jennifer (DOB 11/21/75) (chose a social security number) maintains a household for her four-year old daughter Karen T. Michaels (SSN 625-44-8353). Jennifer received $15,000 of alimony and $16,000 of child support from her ex-husband during the current year. She also claims the dependency exemption for her daughter. She is single and is a computer programmer. A. Interest income:City of San Francisco Municipal Bonds $2,880 California National Bank $9570 B. Dividend Income – Growth Company, Inc. $2430 Hi-Tech Company, Inc. $5225 C. Stock Sales: DateDate Sales Sold Purchased (current year) PriceBasis 1,500 Shares Growth Co. 03/18/9507/02 $15,200$49,900 410 shares Nation’s Best 08/27/9802/10 $7,500$3,720 350 shares Large Co. 06/17/0309/01 $47,605$11,000 D. Jennifer did not pay for child care during the year since her mother kept Karen without compensation. Jennifer also paid (once only)$8000 estimated tax payment on June 15 for the current year E. Jennifer contributed $3,000 to an IRA for the current year. She was not covered under a pension plan at work and therefore the contribution is fully deductible. Enter this IRA contribution. F. The following W-2 was received from her employer: Company: Expert Computer, Inc. 1400 Grand Real Ave. Los Altos, CA 94156 Salary: $51,500 Federal Tax withheld: $5,150 Social Security Tax withheld: $3,193 Medicare Tax withheld: $747 G.She donated 5,000 shares of Real Big Co. stock to St. Leo’s Church on 06/30 of the current year. She had purchased the stock on 04/05/89 for $2,500. The stock is publicly traded and the market quote on the day of the donation was $22,000. The donation was accepted by minister at the church’s address which is: 1001 32nd Ave., Memphis, TN 38101. The Church’s TIN is 71-0096628. H.She incurred the following un-reimbursed expenses which were related to her job: Travel $7,145 Meals $1,000 The expenses are well substantiated. I.In the current year she incurred the following personal expenses: Home real estate taxes $5,015 Home mortgage interest $7,560 Medical expenses were $4,000

Is Obama Disigenuous? http://www.theaustralian.news.com.au/story/0,25197,23643866-5013948,00.html The illusion that is Barack Obama * Font Size: Decrease Increase * Print Page: Print Fred Siegel | May 05, 2008 POLITICAL campaigning necessarily produces a wide gap between words and deeds. This is the price of bringing together a broad coalition with disparate interests. All effective politicians are at times authentically insincere or sincerely inauthentic. Exaggeration, embellishment, overstatement, doubletalk, deception and lies presented as metaphorical truths are the order of the day. So, of course, Barack Obama is no different. He exaggerates the credit he deserves for a limited piece of ethics-reform legislation. He embellishes when he presents himself as having had a consistent record on the Iraq war when in fact he's done a fair amount of zigzagging. He engages in doubletalk when, on free trade and Iraq, he tells the yokels one thing and the policy people another. He overstates when he presents his minimal accomplishments in the Illinois Senate as proof of his stature. He engages in systematic deception when he says he doesn't take money from lobbyists. He presents a lie as metaphorical truth when he says it was the 1965 bloody Sunday attacks on peaceful civil rights protesters in Selma, Alabama, that inspired his parents to marry. (They had been married for years already.) All of this is unappealing, but also unexceptional. What makes it different is that there's not just a gap but a chasm between his actions and his professed principles, which would normally kill a candidacy. And because his deeds are so few, the disparity is all the more salient. Obama, far more than the others, is the "judge me by what I say and not what I do" candidate. He wants to be the conscience of the country without necessarily having one himself. The disparity between Obama's rhetoric of transcendence and his conventional Chicago racial and patronage politics is a leitmotiv of his political career. In New York, politicians (Al Sharpton excepted) are usually forced to pay at least passing tribute to universal principles and the ideal of clean government. But Chicago, until recently a city of Lithuanians, blacks and Poles governed by Irishmen on the patronage model of the Italian Christian Democrats, is the city of political and cultural tribalism. Blacks adapted to the tribalism and the corrupt patronage politics that accompanied it. Historically, one of the ironies of Chicago politics is that the clean-government candidates have been the most racist, while those most open to black aspirations have been the most corrupt. When the young Jesse Jackson received his first audience with then mayor Richard Daley Sr - impervious to the universalism of the civil rights movement in its glory - offered him a job as a toll-taker. Jackson thought the offer demeaning but in time adapted. In Chicago, racial reform has meant that the incumbent mayor, Richard M. Daley, has been cutting blacks in on the loot. Louis Farrakhan, Jackson, Jeremiah Wright and Obama are all, in part, the expression of that politics. It hasn't always worked for Chicago, which, under the pressure of increasing taxes to pay for bloated government, is losing its middle class. But it has served the city's political class admirably. For all his Camelot-like rhetoric, Obama is a product, in significant measure, of the political culture that Chicago Tribune columnist John Kass described: "We've had our chief of detectives sent to prison for running the Outfit's (the mob's) jewellery-heist ring. And we've had white guys with Outfit connections get $100 million in affirmative action contracts from their drinking buddy, Mayor Richard Daley ... That's the Chicago way." At no point did Obama, the would-be saviour of US politics, challenge this corruption, except for face-saving gestures as a legislator. He was, in his own Harvard law way, a product of it. Why, you may ask, did the operators of Chicago's political machine support Obama? Part of the answer was given long ago by the then boss of Chicago, Jake Arvey. When asked why he made Adlai Stevenson - a man, as with Obama, more famous for speeches than for accomplishments - his party's gubernatorial candidate in 1948, Arvey is said to have replied that he needed to "perfume the ticket". Obama first played a perfuming role as a state senator. His mentor, Emil Jones, the machine-made president of the Senate, allowed him to sponsor a minor ethics bill. In return, Obama made sure to send plenty of pork to Jones's district. When asked about pork-barrel spending, Jones famously replied: "Some call it pork; I call it steak." Obama repaid the generosity. When he had a chance to back clean Democratic candidates for president of the Cook County board of supervisors and Illinois governor, he stayed with the allies of the Outfit. The gubernatorial candidate he backed, Rod Blagojevich, is under federal investigation, in part because of his relationship with Tony Rezko, the man who helped Obama buy his house. The Chicago way has delivered politically for Obama even this year. Ninety per cent of his popular-vote lead over Hillary Clinton comes from Illinois, and two-thirds of that 90 per cent comes just from Cook County. Some of this advantage came from the efforts of Obama's political ally, the flame-throwing reverend James Meeks, a political force in his own right. Meeks, who mocks black moderates as "niggers", is an Illinois state senator, the pastor of a mega-church and a strong supporter of Jackson's powerful political operation, which has put its vote-pulling muscle squarely behind the Obama campaign. It was only with Obama's remark about bitter, white, working-class, small-town voters that we saw his difficulties appealing beyond the machine's reach. He won his US Senate race in 2004 not only because his opponents self-destructed but also because of the machine's ability to deliver votes. In Pennsylvania, he has lacked such assistance and the campaigning has not gone nearly so well. First, Obama pretended to be a tenpin bowler and scored a 37. Then, appearing before a supposedly closed San Francisco audience, he complained that small-town Pennsylvanians "cling to guns or religion or antipathy towards people who aren't like them, or anti-immigrant sentiment or anti-trade sentiment, as a way to explain their frustrations". This is the man who belongs to a church built on bitterness, rancour and conspiratorial fear. During the Wright affair, Obama not only repeatedly lied about what he knew and when but violated the spirit of the civil rights movement in its mid-1960s glory. When, as a young man, I was on the periphery of the movement, there was an unwritten rule that if people told racist jokes or speakers engaged in defamatory rhetoric, you needed to register your immediate disapproval by confronting the speaker or ostentatiously walking out. Wright's "black theology" is essentially a Christianised version of Malcolm X's ideology of hate. But for 20 years, Obama, who had planned to run for mayor of Chicago, kept silent about the close, if at times competitive, relationship between Wright, whose 8000-member mega-church gave him his political base, and Farrakhan. His ambition overrode his moral integrity. As part of his "black value system", Wright attacked whites for their "middle classism", materialism, and "greed in a world of need". Obama sounded similar notes in his recent address at the Cooper Union for the Advancement of Science and Art in New York, in which he laid the blame for the sub-prime mortgage crisis on those who had "embraced an ethic of greed, corner cutting and inside dealing". But that's exactly what Obama did in buying his luxurious house. Given the choice of purchasing a less expensive home or getting into bed with his fundraiser-cum-slumlord-cum-fixer Rezko, Obama chose the latter. Then again, the oppressed of Trinity United Church of Christ are building Wright a $US1.6 million ($1.7million), 960sqm home complete with four-car garage, whirlpool and butler's pantry. This house, which backs on to a golf course, is to sit in Tinley Park, a gated community in southwest Chicago that is 93 per cent white. The Obamas' charitable giving is consistent with Wright's talking Left while living Right. Obama and his wife are quite well off. They had an estimated income of $US1.2 million from 2000 to 2004. But the man who preaches compassion and mutuality gave all of 1 per cent of that income to charity during those years. Most of that went to Wright's church. There is a similar chasm when it comes to Obama's claim to post-partisanship. His achievements in reaching out to moderate voters are largely proleptic. But words are not deeds and, although Obama has few concrete achievements to his name, his voting record hardly suggests an ability to rise above Left v Right. In the Illinois Senate, he made a specialty of voting present, but after his first two years in the US Senate, National Journal's analysis of rollcall votes found that he was more liberal than 86 per cent of his colleagues. His voting record has only moved further Left since then. The liberal Americans for Democratic Action gives him a 97.5 per cent rating, while National Journal ranks him the most liberal member of the Senate. By comparison, Clinton, who occasionally votes with the Republicans, ranks 16th. Obama is such a down-the-line partisan that, according to Congressional Quarterly, in the past two years he has voted with the Democrats more often than did the party's majority leader, Harry Reid. Likewise, for all his talk of post-racialism, Obama has played, with the contrivance of the press, traditional South Side Chicago racial politics. The day after his surprise loss in New Hampshire, and in anticipation of the South Carolina primary, with its heavily black electorate, South Side congressman Jesse Jackson Jr - Obama's national co-chairman - appeared on MSNBC to argue, in a prepared statement, that Clinton's teary moment on the campaign trail reflected her deep-seated racism. "Those tears," said Jackson, "have to be analysed ... They have to be looked at very, very carefully in light of Katrina, in light of other things that Mrs Clinton did not cry for, particularly as we head to South Carolina, where 45 per cent of African-Americans will participate in the Democratic contest ... We saw tears in response to her appearance, so that her appearance brought her to tears, but not hurricane Katrina, not other issues." In other words, whites who are at odds with, or who haven't delivered for, Chicago politicians can be obliquely accused of racism on the flimsiest basis, but pillars of local black politics such as Wright, with his exclusivist racial theology, are beyond criticism. Liberals love Obama's talk of taking on powerful financial interests. But here , too, he is rather slippery. In his Cooper Union speech, he denounced in no uncertain terms the "special interests" of people on Wall Street (who are well represented among his campaign donors). He, of course, had an opportunity to push for repealing the privileged tax treatment of private equity firms when that question was before Charles Grassley's Senate subcommittee - but he simply made a pro-forma statement in favour of doing so and disappeared. Nationally, as in Chicago, Obama the self-styled reformer never crosses swords with any of his putative foes. To pick another example, he has attacked "predatory" sub-prime lenders while taking roughly $US1.3 million in contributions from companies in that line of business. Obama is the internationalist opposed to free trade. He is the friend of race-baiters who thinks Don Imus deserved to be fired. He is the proponent of courage in the face of powerful interests who lacked the courage to break with Wright (until Wednesday). He is the man who would lead our efforts against terrorism yet was friendly with Bill Ayers, the unrepentant 1960s terrorist. He is the post-racialist supporter of affirmative action. He is the enemy of Big Oil who takes money from executives at Exxon-Mobil, Shell and British Petroleum. Obama has, in a sense, represented a new version of the invisible man, a candidate whose colour obscures his failings. But so far, the wild discrepancy between Obama's words and his deeds, and between his enormous ambitions and his minimal accomplishments, doesn't seem to have fazed his core supporters, who apparently suffer from a severe case of cognitive dissonance. Like cultists who rededicate themselves when the cult's prophecies have been falsified, his fans redouble their delusions in the face of his obvious hypocrisy. That is because Obama, in the imagination of many of his fans in the public and the press, is both a deduction from what was - the failures of the Bush administration and the scandals of the Clintons - and an expression of what should be. The ideal, the aspiration, is so rhetorically appealing that it has been assumed to be true. They remind one of Woodrow Wilson's answer when asked if his plan for a League of Nations was practicable: "If it won't work, it must be made to work." Fred Siegel is a contributing editor of City Journal. He teaches at the Cooper Union for the Advancement of Science and Art.

read this has your drinking your coffee ,,,ha ha ha ha? 78 Ways to know if you drink too much coffee... 1. You answer the door before people knock. 2. Juan Valdez named his donkey after you. 3. The only kitchen appliances you own are made by Mr. Coffee. 4. You ski uphill. 5. You get a tax cut for all the coffee you bought. 6. You get a speeding ticket even when you're parked. 7. You speed walk in your sleep. 8. You have a bumper sticker that says: "Coffee drinkers are good in the sack." 9. You haven't blinked since the last lunar eclipse. 10. You just completed another sweater and you don't know how to knit. 11. You grind your coffee beans in your mouth. 12. The nurse needs a scientific calculator to take your pulse. 13. You sleep with your eyes open. 14. When you open your dish cabinet, and there is only mugs. 15. You have to watch videos in fast-forward. 16. The only time you're standing still is during an earthquake. 17. You can take a picture of yourself from ten feet away without using the timer. 18. You lick your coffeepot clean. 19. You spend every vacation visiting "Maxwell House." 20. You're the employee of the month at the local coffeehouse and you don't even work there. 21. You've worn out your third pair of tennis shoes this week. 22. Your eyes stay open when you sneeze. 23. Your coffee cake, must have coffee in it. 24. You chew on other people's fingernails. 25. Your T-shirt says, "Decaffeinated coffee is the devil's blend." 26. You're so jittery that people use your hands to blend their margaritas. 27. You can type sixty words per minute... with your feet. 28. The only gift you get for Valentines Day you get chocolate covered beans. 29. You can jump-start your car without cables. 30. All your kids are named "Joe". 31. Your only source of nutrition comes from "Sweet & Low." 32. You don't sweat, you percolate. 33. You buy 1/2 & 1/2 by the barrel. 34. You've worn out the handle on your favorite mug. 35. You go to AA meetings just for the free coffee. 36. You walk twenty miles on your treadmill before you realize it's not plugged in. 37. You forget to unwrap candy bars before eating them. 38. Charles Manson thinks you need to calm down. 39. Every shirt or blouse you own has a coffee stain on it. 40. You've built a miniature city out of little plastic stirrers. 41. People get dizzy just watching you. 42. You've worn the finish off your coffee table. 43. The Taster's Choice couple wants to adopt you. 44. Starbucks owns the mortgage on your house. 45. You're so wired, you pick up AM radio and people test their batteries in your ears. 46. Your life's goal is to amount to a hill of beans. 47. Instant coffee takes too long. 48. When someone says. "How are you?", you say, "Good to the last drop." 49. You want to be cremated just so you can spend the rest of eternity in a coffee can. 50. You want to come back as a coffee mug in your next life. 51. Your birthday is a national holiday in Brazil. 52. Your hand is permanently shaped to hold your mug. 53. You'd be willing to spend time in a Turkish prison. 54. You go to sleep just so you can wake up and smell the coffee. 55. You're offended when people use the word "brew" to mean beer. 56. You name your cats "Cream" and "Sugar." 57. You get drunk just so you can sober up. 58. You speak perfect Arabic without ever taking a lesson. 59. Your lips are permanently stuck in the sipping position. 60. You have a picture of your coffee mug on your coffee mug. 61. You can outlast the Energizer bunny. 62. You can jump to the moon. 63. You short out motion detectors. 64. You have a conniption over spilled milk. 65. You don't even wait for the water to boil anymore. 66. Your nervous twitch registers on the Richter scale. 67. You think being called a "drip" is a compliment. 68. You don't tan, you roast. 69. You don't get mad, you get steamed. 70. Your three favorite things in life are...coffee before, coffee during and coffee after. 71. Your lover uses soft lights, romantic music, and a glass of iced coffee to get you in the mood. 72. You can't even remember your second cup. 73. You help your dog chase its tail. 74. You soak your dentures in coffee overnight. 75. Your coffee mug is insured by Lloyds of London. 76. You introduce your spouse as your coffeemate. 77. You think CPR stands for "Coffee Provides Resuscitation." 78. Your first-aid kit contains two pints of coffee with an I.V. hookup.

Do all USA Senators have problems with telling the truth? With economic troubles dominating the race, McCain opened the new line of criticism against Romney at his first event of the day in Fort Myers, Fla., and sought to shift the campaign back to his strength, national security, and away from Romney's, the economy. First, he slapped at Romney without naming him during a question-and-answer session with Floridians, saying: "Now, one of my opponents wanted to set a date for withdrawal that would have meant disaster." Minutes later to reporters, the Arizona senator was more direct: "If we surrender and wave a white flag, like Senator Clinton wants to do, and withdraw, as Governor Romney wanted to do, then there will be chaos, genocide, and the cost of American blood and treasure would be dramatically higher." Asked about the comment in Land O' Lakes, Fla., Romney bristled. "That's dishonest, to say that I have a specific date. That's simply wrong," he said. "That is not the case. I've never said that." The former Massachusetts governor added: "I know he's trying desperately to change the topic from the economy and trying to get back to Iraq, but to say something that's not accurate is simply wrong — and he knows better." Later in Sun City, Fla., McCain stuck to his assessment and said: "The apology is owed to the young men and women serving this nation in uniform." He said he was quoting Romney as favoring a "timetable" for withdrawal and argued that he was not misquoting Romney, saying, "Clearly, the impression was that he was ready to set a date for withdrawal." But Romney quotes circulated by McCain's campaign didn't show Romney making that exact comment — nor did aides back up McCain's earlier comment that suggested that Romney "wanted to set a date for withdrawal." In an interview with ABC News in 2007, Romney said: "There's no question that the president and (Iraqi) Prime Minister al-Maliki have to have a series of timetables and milestones that they speak about. But those shouldn't be for public pronouncement. You don't want the enemy to understand how long they have to wait in the weeds until you're going to be gone." While Romney has never set a public date for withdrawal, he has said that he agrees with Gen. David Petraeus, the top U.S. commander in Iraq, that U.S. troops could move to more of an oversight role in 2008. McCain, for his part, has been a staunch supporter of the Iraq war and advocated more troops on the ground for years before Bush embraced that position last year and ramped up the number of U.S. forces in Iraq. The buildup helped curb violence in Iraq, and McCain has not been shy about claiming credit for the strategy's success. Romney aides labeled McCain's charge "stunningly false," while McCain aides portrayed his Iraq comments as part of a broader effort in the coming days to question Romney's leadership, foreign policy experience and judgment. A former venture capitalist and business consultant, Romney has spent the past week arguing that he is the Republican best able to right a troubled economy, given his 25-year record in the private sector. He's argued that McCain, who has spent much of his life in the military and in Congress, doesn't have the qualifications necessary to lead the country out of a potential recession. McCain, in turn, has sought to beat back Romney on the issue by arguing that a president needs to be ready to lead and qualified on both national security and economics, and he offers both — despite having previously acknowledged that the economy is not his strongest suit. He also sought to rebut Romney's criticisms in an unusual fashion: he dispatched high-profile surrogates to talk with the press corps traveling with the former governor. Among them: former Pennsylvania Gov. Tom Ridge and former Massachusetts Gov. Jane Swift. She boarded the Romney press bus to repeat similar criticisms to reporters. ____ Associated Press Writers Glen Johnson in St. Petersburg, Fla., and Libby Quaid in Fort Myers, Fla., contributed to this report. * Email Story * IM Story * Printable View RECOMMEND THIS STORY Recommend It: Average (196 votes) 2.7 stars » Recommended Stories Full Coverage: 2008 Presidential Election Off the Wires * Obama runs away with SC primary AP, 3 minutes ago * Racial divide could hurt Obama beyond SC AP, 4 minutes ago News Stories * Obama wins in South Carolina at The Chicago Tribune (reg. req'd), Jan 27 * Obama wins South Carolina at Politico, Jan 27 Opinion & Editorials * Obama's Big Win in SC a Referendum on Clintons The Nation via Yahoo! News, Jan 27 * Politics as blood sport -- or why the GOP rules at The Chicago Tribune (reg. req'd), Jan 26 Politics News * Fla. governor endorses McCain AP * Obama wins South Carolina primary AP * Strong black vote helps Obama in SC AP * Early SC exit poll highlights AP * Racial divide could hurt Obama beyond SC AP Most Viewed - Politics * Obama wins South Carolina primary AP * Disabled spy satellite threatens Earth AP * Clinton seeks to smooth relations with Obama Reuters * Obama coasts to easy win in South Carolina Reuters * Bare rear could cost ABC $1.4 million AP Politics Video * A Chat With George ABC News - 32 minutes ago * The South Carolina Primary ABC News - 29 minutes ago * Political Play of the Day: Clinton hugs fans AP - 18 minutes ago * Florida governor backs McCain CNN - 18 minutes ago Sponsored Links ( What's this? ) * Car Insurance Quotes Online Compare auto insurance quotes from top companies online. www.insurance.com * Fed Cuts Interest Rates Again Mortgage Rates Hit 26 Month Lows. Calculate Your New Mortgage Payment. www.LowerMyBills.com * Get a Free iPod Shuffle Complete just 1 offer and it is your's free. www.myeasyrewards.com Related Video AP story image Play Giuliani falls in Florida polls AP CBS4 story image Play Latest Polls Show Sen. McCain Ahead in Florida CBS4 Miami » All news video Republican presidential hopeful Sen. John McCain, R-Ariz., speaks at a campaign event at the Shell Factory and Nature Park in North Fort Myers, Fla., Saturday, Jan. 26, 2008. (AP Photo/Charles Dharapak) AP Photo: Republican presidential hopeful Sen. John McCain, R-Ariz., speaks at a campaign event at the Shell... View the 60 Minutes segment on Barack Obama Election 08 * voter Big win Barack Obama routs Hillary Clinton in the contentious South Carolina primary. * Florida governor endorses McCain * Democrats outnumber GOP voters in primaries nearly 2-1 * GOP candidates work harder for Cuban vote * Clinton: Give states their delegates * Political Dashboard Elsewhere on the Web * CNN.com: Obama wins South Carolina primary, CNN projects * ABC News: Barack Obama Wins South Carolina Primary * McClatchy Newspapers: Analysis: Obama's win sets up a long hard fight ahead ADVERTISEMENT click here Featured IN YAHOO! NEWS Election coverage and analysis from Congressional Quarterly. » More from Congressional Quarterly

How to tell if you drink too much coffee???? - You answer the door before people knock. - Juan Valdez named his donkey after you. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - Cocaine is a downer. - Your only source of nutrition comes from "Sweet & Low." - You buy 1/2 & 1/2 by the gallon. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You never plug in your treadmill. - Charles Manson thinks you’re highstrung. - You've built a miniature city out of little plastic stirrers. - You've worn the finish off your coffee table. - Starbucks owns the mortgage on your house. - Instant coffee takes too long. - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Columbia. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You don't even wait for the water to boil anymore. - You can't even remember your second cup. - You help your dog chase its tail.

How do you know if you drank too much coffee? You answer the door before people knock. - Juan Valdez named his donkey after you. - You ski uphill. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You lick your coffeepot clean. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - You can jump-start your car without cables. - Cocaine is a downer. - You don't need a hammer to pound nails. - Your only source of nutrition comes from "Sweet & Low." - You don't sweat, you percolate. - You buy 1/2 & 1/2 by the barrel. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You walk twenty miles on your treadmill before you realize it's not plugged in. - You forget to unwrap candy bars before eating them. - Charles Manson thinks you need to calm down. - You've built a miniature city out of little plastic stirrers. - People get dizzy just watching you. - You've worn the finish off your coffee table. - The Taster's Choice couple wants to adopt you. - Starbucks owns the mortgage on your house. - Your taste buds are so numb you could drink your lava lamp. - Instant coffee takes too long. - When someone says. "How are you?", you say, "Good to the last drop." - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Brazil. - You're offended when people use the word "brew" to mean beer. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You can outlast the Energizer bunny. - You short out motion detectors. - You don't even wait for the water to boil anymore. - Your nervous twitch registers on the Richter scale. - You think being called a "drip" is a compliment. - You don't tan, you roast. - You can't even remember your second cup. - You help your dog chase its tail.

Signs u drink to much coffee!? - You answer the door before people knock. - Juan Valdez named his donkey after you. - You ski uphill. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You lick your coffeepot clean. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - You can jump-start your car without cables. - Cocaine is a downer. - You don't need a hammer to pound nails. - Your only source of nutrition comes from "Sweet & Low." - You don't sweat, you percolate. - You buy 1/2 & 1/2 by the barrel. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You walk twenty miles on your treadmill before you realize it's not plugged in. - You forget to unwrap candy bars before eating them. - Charles Manson thinks you need to calm down. - You've built a miniature city out of little plastic stirrers. - People get dizzy just watching you. - You've worn the finish off your coffee table. - The Taster's Choice couple wants to adopt you. - Starbucks owns the mortgage on your house. - Your taste buds are so numb you could drink your lava lamp. - Instant coffee takes too long. - When someone says. "How are you?", you say, "Good to the last drop." - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Brazil. - You're offended when people use the word "brew" to mean beer. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You can outlast the Energizer bunny. - You short out motion detectors. - You don't even wait for the water to boil anymore. - Your nervous twitch registers on the Richter scale. - You think being called a "drip" is a compliment. - You don't tan, you roast. - You can't even remember your second cup. - You help your dog chase its tail. i dont think yous will read it all its pretty boring........x

signs you drink too much coffee...? You answer the door before people knock. - Juan Valdez named his donkey after you. - You ski uphill. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You lick your coffeepot clean. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - You can jump-start your car without cables. - Cocaine is a downer. - You don't need a hammer to pound nails. - Your only source of nutrition comes from "Sweet & Low." - You don't sweat, you percolate. - You buy 1/2 & 1/2 by the barrel. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You walk twenty miles on your treadmill before you realize it's not plugged in. - You forget to unwrap candy bars before eating them. - Charles Manson thinks you need to calm down. - You've built a miniature city out of little plastic stirrers. - People get dizzy just watching you. - You've worn the finish off your coffee table. - The Taster's Choice couple wants to adopt you. - Starbucks owns the mortgage on your house. - Your taste buds are so numb you could drink your lava lamp. - Instant coffee takes too long. - When someone says. "How are you?", you say, "Good to the last drop." - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Brazil. - You're offended when people use the word "brew" to mean beer. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You can outlast the Energizer bunny. - You short out motion detectors. - You don't even wait for the water to boil anymore. - Your nervous twitch registers on the Richter scale. - You think being called a "drip" is a compliment. - You don't tan, you roast. - You can't even remember your second cup. - You help your dog chase its tail.

AP Stats help? I have two questions on my AP stats homework assignment: Question 1: Six republicans and four democrats have applied for two open positions on a planning committee. Since all the applicants are qualified to serve, the city council decides to pick the two members randomly. What is the probablity that both come from the same party? A. 66/90 B. 52/90 C. 52/100 D. 42/90 E. 42/100 Question 2: A national study found that the average family spent $422 a month on groceries, with a standard deviation of $84. The average amount spent on housing (rent or mortgage) was $1120 a month, with a standard deviation of $212. The expected total of a family spends on food and housing is 422+1120=$1542. What is the standard deviation of the total? A. $128 B. $148 C. $228 D. $295 E. Cannot be determined

mortgage loan lenders? im looking for a job and lookgin to work for a lender or specialist lender ideally in mortgage admin.processing and loans i will also look at packaging companies too i live in north west london, so im looking at places thats are based there and the city incase u throw suggestions at me that are ridicoulous...some lender i have appreached are capstone, spml, igroup/First national ( GE), platform, paragon p.s please not many others have pulled out the market n closed for new business n therefore not recruiting...but are there any other..or even packaging companies that some1 can refer me to..so that i can apply direclty times are tough for the jobs i want, but there HAS to be a way.....

Driver in fatal Carson crash charged does immagrtion have something to do with this twice deported? A motorist's blood-alcohol level was more than twice the legal limit when his speeding truck plowed into a man's car, killing the man, in Carson last week, sheriff's deputies said Tuesday. Quirino Mateo Antonio, 30, of Lomita, who was driving 95 mph with a blood-alcohol level of 0.19, was charged Tuesday with gross vehicular manslaughter while intoxicated and drunken driving causing death and injury. The legal limit for driving in California is 0.08. "He's facing a lot of time," Carson sheriff's traffic Investigator Jon Tedder said. The Jan. 8 crash killed Juan Gabriel Ontiveros, a 32-year-old husband and father of four who was on his way home from his trucking job in Wilmington at 3:30 a.m. Investigators said Antonio was at the wheel of a Toyota Tacoma that hit Ontiveros' 1987 Cadillac Coupe Deville broadside at Sepulveda Boulevard and Wilmington Avenue. Investigators do not know if Antonio ran a red light. The intersection does not have red-light cameras, which would have taken photographs as the crash occurred. Deputies know Antonio's speed because his truck's speedometer froze when it hit the passenger side of Ontiveros' car without braking, Tedder said. The truck, heading west on Sepulveda, barreled through the Cadillac, which was traveling north on Wilmington. The collision completely knocked the Cadillac's body off the frame, bending it into a U shape. "The force of the collision was so great, Ontiveros' body hitting the side door broke the door latches and the door bolts," Tedder said. Ontiveros, who was not wearing a seat belt, was ejected from the car into the street. He landed 20 feet away. Had he been wearing the seat belt, Ontiveros would have been burned because the Cadillac burst into flames, Tedder said. Antonio, who was hospitalized along with his passenger, had attended a party earlier in the evening. A case of beer was also found in his truck. Some bottles were opened and some were unopened. Many shattered in the crash, Tedder said. "He was confused as to where he was," Tedder said. "He thought he was in Harbor City. He thought he was at Sepulveda and Vermont instead of Sepulveda and Wilmington." Antonio works as banquet manager at the Bluewater Grill in Redondo Beach. A manager declined to comment. Antonio pleaded not guilty Tuesday at his arraignment at the Compton courthouse. Commissioner Ron Slick ordered him held on $500,000 bail. His attorney, Philip DeLuca, did not return a message. State Department of Motor Vehicles records show the Mexican national had obtained a driver's license in February 2003, but state authorities later deemed it invalid. Records show officials had made a request that he show proof of his Social Security number to validate the license. That request remained current Tuesday. In August 2003, Antonio was deported from the United States after he was detained in San Ysidro and determined to be an illegal immigrant, authorities said. Antonio was ordered to leave the country and told he could not return legally for five years. Ontiveros' family held his funeral Monday, calling for an ambulance when his mother fainted three times during the service, said his brother-in-law, Efren Hernandez. Ontiveros and his wife, Juanita, had been married for 17 years. Together, they had four children - a 16-year-old girl and boys ages 14, 13 and 8. They bought a two-bedroom home a year ago. He worked two trucking jobs to pay the mortgage. Hernandez said his sister has accepted the fact that she will raise the children alone. "My brother-in-law wanted them to have a profession," Hernandez said. "She is going to try to keep his promise to her kids to help them go to college. She has accepted he is dead. It's still painful." http://www.dailybreeze.com/ci_7983087

Signs u drink to much coffee!? - You answer the door before people knock. - Juan Valdez named his donkey after you. - You ski uphill. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You lick your coffeepot clean. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - You can jump-start your car without cables. - Cocaine is a downer. - You don't need a hammer to pound nails. - Your only source of nutrition comes from "Sweet & Low." - You don't sweat, you percolate. - You buy 1/2 & 1/2 by the barrel. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You walk twenty miles on your treadmill before you realize it's not plugged in. - You forget to unwrap candy bars before eating them. - Charles Manson thinks you need to calm down. - You've built a miniature city out of little plastic stirrers. - People get dizzy just watching you. - You've worn the finish off your coffee table. - The Taster's Choice couple wants to adopt you. - Starbucks owns the mortgage on your house. - Your taste buds are so numb you could drink your lava lamp. - Instant coffee takes too long. - When someone says. "How are you?", you say, "Good to the last drop." - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Brazil. - You're offended when people use the word "brew" to mean beer. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You can outlast the Energizer bunny. - You short out motion detectors. - You don't even wait for the water to boil anymore. - Your nervous twitch registers on the Richter scale. - You think being called a "drip" is a compliment. - You don't tan, you roast. - You can't even remember your second cup. - You help your dog chase its tail.

Signs you drink too much coffee...Star Quality? - You answer the door before people knock. - Juan Valdez named his donkey after you. - You ski uphill. - You grind your coffee beans in your mouth. - You haven't blinked since the last lunar eclipse. - You lick your coffeepot clean. - You're the employee of the month at the local coffeehouse and you don't even work there. - Your eyes stay open when you sneeze. - You chew on other people's fingernails. - Your T-shirt says, "Decaffeinated coffee is the devil's blend." - You can type sixty words per minute ... with your feet. - You can jump-start your car without cables. - Cocaine is a downer. - You don't need a hammer to pound nails. - Your only source of nutrition comes from "Sweet & Low." - You don't sweat, you percolate. - You buy 1/2 & 1/2 by the barrel. - You've worn out the handle on your favorite mug. - You go to AA meetings just for the free coffee. - You walk twenty miles on your treadmill before you realize it's not plugged in. - You forget to unwrap candy bars before eating them. - Charles Manson thinks you need to calm down. - You've built a miniature city out of little plastic stirrers. - People get dizzy just watching you. - You've worn the finish off your coffee table. - The Taster's Choice couple wants to adopt you. - Starbucks owns the mortgage on your house. - Your taste buds are so numb you could drink your lava lamp. - Instant coffee takes too long. - When someone says. "How are you?", you say, "Good to the last drop." - You want to be cremated just so you can spend the rest of eternity in a coffee can. - Your birthday is a national holiday in Brazil. - You're offended when people use the word "brew" to mean beer. - You have a picture of your coffee mug on your coffee mug. - You can thread a sewing machine, while it's running. - You can outlast the Energizer bunny. - You short out motion detectors. - You don't even wait for the water to boil anymore. - Your nervous twitch registers on the Richter scale. - You think being called a "drip" is a compliment. - You don't tan, you roast. - You can't even remember your second cup. - You help your dog chase its tail.

the kamal karna roy strategy to close gap of right viz leadership viz u s president 08 elite vs. have_nots ?

Obama or Clinton? Read these carefully and give your vote for the best person who can lead us.? ON ABORTION OBAMA Opposes any constitutional amendment to overturn the Supreme Court's decision in Roe v Wade. Disagreed with Supreme Court ruling to uphold the "Partial Birth Abortion Ban Act." Did not cast a vote on Prohibiting Funds for Groups that Perform Abortions amendment in 2007. CLINTON Will sign into law the Freedom of Choice Act, which would codify Roe v. Wade into federal law. Would overturn the "global gag rule," which prohibits Non-Governmental Organizations (NGOs) from talking about abortion in the event of an unplanned pregnancy. Voted against the Prohibit Partial Birth Abortion bill in 2003. Did not cast a vote on Prohibiting Funds for Groups that Perform Abortions amendment in 2007. Disagreed with Supreme Court ruling to uphold the "Partial Birth Abortion Ban Act." -ON ECONOMIC STIMULUS OBAMA Would pump $75 billion into the economy via tax cuts and direct spending targeted to working families, seniors, homeowners and the unemployed. The plan also includes $45 billion in reserves that can be injected into the economy quickly in the future if the economy continues to deteriorate. Would provide an immediate $250 tax cut for workers and their families and an immediate, temporary $250 bonus to seniors in their Social Security checks. Would provide an additional $250 tax cut to workers and an additional $250 to seniors if the economy continues to worsen. Would extend and expand unemployment insurance CLINTON Would establish a $30 billion emergency housing fund to assist states and cities mitigate the effects of mounting foreclosures. Would also include a 90-day moratorium on subprime foreclosures and an automatic rate freeze on subprime mortgages of at least five years. Would provide $25 billion in emergency energy assistance for families facing skyrocketing heating bills. Would invest $10 billion in extending and broadening unemployment insurance for those who are struggling to find work. Would accelerate $5 billion in energy efficiency and alternative energy investments to jump-start green-collar job growth. -EDUCATION OBAMA Would reform No Child Left Behind, ensuring access to high-quality early childhood education programs and child care opportunities, recruit well-qualified and reward expert, accomplished teachers. Make science and math education a national priority. Reduce the high school dropout rate and empower parents to raise healthy and successful children by taking a greater role in their child's education at home and at school. CLINTON Would end No Child Left Behind. Promote early childhood education, including nurse home visitation programs for new parents, quality child care and Head Start and pre-kindergarten for all 4-year-olds. Improve K-12 system by meeting funding promises of IDEA. Recruit outstanding teachers and principals, especially in urban and rural areas. Cut minority dropout rate in half. Expand early-intervention mentoring programs. Identify at-risk youth early and provide $1 billion in intensive interventions. Create a new $3,500 college tax credit and increase the maximum Pell Grant. -ON HEALTH CARE OBAMA Would create a national health insurance program for individuals who do not have employer-provided health care and who do not qualify for other existing federal programs. Allows individuals to choose between the new public insurance program or from among private insurance plans that meet certain coverage standards. Requires employers who do not provide health coverage for employees to pay into the national health insurance program. Does not mandate individual coverage for all Americans, but requires coverage for all children. Allows individuals below age 25 to be covered through their parents' plans. Cost estimated between $50 billion and $65 billion, to be paid for by eliminating Bush tax cuts for those earning over $250,000. CLINTON Mandates individual health insurance coverage for all Americans. Offers federal subsidies for those who cannot afford it. Allows individuals to choose from among several private plans also offered to members of Congress, as well as a new public insurance plan modeled after Medicare. Requires insurance companies to offer coverage to anyone who applies, and bars insurance companies from charging higher premiums to those with pre-existing conditions. Requires large businesses to provide or help pay for employee coverage. Expands Medicaid and federal children's health care programs. Offers tax credits to limit health care premiums to a certain percentage a family's income. Cost estimated at $110 billion annually, to be paid for by eliminating the Bush tax cuts for those earning over $250,000, as well as by reducing waste and inefficiencies in the current system. Also limits the amount employers can exclude from taxes for health care benefits for those making over $250,000 -ON IMMIGRATION OBAMA Supported Bush-backed immigration reform legislation, which would have increased funding and improved border security technology, improved enforcement of existing laws, and provided a legal path to citizenship for some illegal immigrants. Voted to authorize construction of a 700-mile fence along the U.S.-Mexican border CLINTON Supported Bush-backed immigration reform legislation, which would have increased funding and improved border security technology, improved enforcement of existing laws, and provided a legal path to citizenship for some illegal immigrants. Voted to authorize construction of a 700-mile fence along the U.S.-Mexican border. -ON IRAQ OBAMA Opposed use of military force in Iraq. Voted for war spending bill that would have withdrawn most U.S. troops by March 2008. Supports phased redeployment of U.S. troops. Opposed Bush's plan to send additional troops to Iraq. Had once called for troop withdrawal to begin by the end of 2006 CLINTON Voted for use of military force in Iraq, but now says she would have voted differently "if we knew then what we know now." Supports de-authorizing the war. Voted for war spending bill that would have withdrawn most U.S. troops by March 2008. Opposed Bush plan to increase the number of American troops in Iraq. Supports a phased redeployment -ON SOCIAL SECURITY OBAMA Strongly opposed to privatizing Social Security. Believes that the first place to look for ways to strengthen Social Security is the payroll tax system. Currently, the Social Security payroll tax applies to only the first $97,500 a worker earns; Obama supports increasing the maximum amount of earnings covered by Social Security. Would work with Congress to choose a payroll tax reform package that will keep Social Security solvent for at least the next half century. CLINTON Opposes all efforts to privatize Social Security. Has stated her plan for Social Security is fiscal responsibility first, and then deal with any long-term challenges. Would support the creation of a bipartisan commission. i hope this helps you a lot. Good day! 1 minute ago - Edit - Delete

ING Mortgage? I just read a few "answers" to someone's post about ING Mortgage, and I am confused. ING Mortgage is telling me hand's down that it is 695.00, plus odd days interest, and then the mortgage tax, and that is it. In their paperwork, they indicate "there will be some 3rd party fees" but when I ask them about it, they say "No, these are listed by law, but you (me the consumer) do not pay them, they do." However a mortgage guy @ National City Mortgage told me to BEWARE.... he said that they can't pay 3rd party fees themselves b/c it would be illegal. On different Yahoo answers, it supports what my National City Mortgage guy told me, but ING SWEARS that I will not have to. I would like to have it listed directly to me opinions from others on this site who either have applied for an ING mortgage, have one, or an expert. Can someone post one answer just so I can get this off my "open" list. I have this listed twice accidentally. If you answer I'll vote you "best response" but put something somewhat intelligent sounding.