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Archive for the 'Brevard Home Selling' Category
The Latest Foreclosure SettlementWritten by Larry on April 10, 2012 – 3:44 am -
What the foreclosure settlement does…
The $26 billion foreclosure settlement has finally been given the
green light, making it possible for roughly two million of the
nation's hardest hit borrowers to see a significant reduction in
their mortgage payments. Agreed to between the nation's five
largest banks and attorneys general from 49 states and the
District of Columbia, the deal settles charges of foreclosure
processing abuses dating back to 2008. The settlement, the
details of which were first announced in early February, has been
in the works for more than a year. Here's what the banks agreed
to and what borrowers can expect in the days ahead.
The banks and servicers have committed at least $17 billion to
reduce principal for borrowers who 1) owe far more than their
homes are worth 2) are behind on payments. The amount of
principal reduction will average about $20,000 per borrower in
the cases of four of the banks. The Bank of America reductions
will be even steeper, averaging $100,000 or more, according to
spokesman Rick Simon. Another $3.7 billion will go toward
refinancing mortgages for borrowers who are current on their
payments. This will enable them to take advantage of the
historically low interest rates that are currently available.
The banks will pay $5 billion to the states and the federal
government, the only hard money involved in the deal. Out of that
fund will come payments of $1,500 to $2,000 to homeowners who
lost their homes to foreclosure.
Other funds will be paid to legal aid and homeowner advocacy
organizations to help individuals facing foreclosure or
experiencing servicer abuses. Another $1 billion will be paid
directly by Bank of America to the Federal Housing Administration
to settle charges that its subsidiary, Countrywide Financial,
defrauded the housing agency. In addition, the banks agreed to
eliminate robo-signing altogether and to use proper and legal
procedures when putting homeowners through the foreclosure
process. They also agreed to end servicer abuses, like harassing
delinquent borrowers for payments, and to include principal
reductions more often in their mortgage modifications programs.
Iran sanctions to cost 25 cents a gallon
Twenty-five cents a gallon — that's about how much some
international energy experts say the tough US sanctions on
Iran's oil industry are costing Americans at the pump. As US
consumers cope with gas prices that are approaching an average of
$4 a gallon, some international trade experts say the cost of the
sanctions the US imposes — as in the case of the Iran measures
— is something political leaders should discuss more openly.
Instead, they say, most politicians act as if sanctions affect
only the country targeted — something these experts say isn't
true. Energy experts say it's difficult to pinpoint precisely
how much sanctions on Iran are costing consumers as they filter
down to the gas pump. But Lucian Pugliaresi, president of the
Energy Policy Research Foundation, a Washington nonprofit
organization that studies energy economics, says it's possible
to make an estimate. The sanctions the US and other countries
have slapped on Iran's energy sector and on its central bank
(aimed at curtailing its oil exports) are costing Iran about
300,000 barrels a day in exports, Mr. Pugliaresi estimates. When
added to other factors affecting the international oil market,
that decrease in exports may have added about $10 to the current
price of a barrel for crude, he says. And that $10 increase
translates roughly to about a 25-cent increase in the cost of a
gallon of gas in the US, Pugliaresi says
Tags: foreclosure help, foreclosure sttlement, mortgage payment reduction, principle reduction
Posted in Brevard Foreclosures, Brevard Home Buying, Brevard Home Selling | No Comments »
Learn why short sales are so hard to close and why there are so many Brevard County foreclosuresWritten by Larry on March 4, 2012 – 4:09 pm -
Take 5 minutes to watch this short 60 Minutes video and you will learn the real truth about lenders and what they have done to this country… Brevard county has thousands of homes that are short sales and foreclosures and many homes that are upside down and will eventually become a distressed home. The banks take months to respond to offers on short sales and many more months or years to foreclose on these Brevard County homes. All the Billions of dollars being spent and failed program after failed program while new ones come out almost every month, nothing is getting better with the distressed home mess. This video will make your blood boil
Posted in Brevard Foreclosures, Brevard Home Buying, Brevard Home Selling | No Comments »
Super Home In 55+ Community In Titusville FLWritten by Larry on February 28, 2012 – 5:15 am -
Homes For Sale in Brevard County
Tags: 55+ Community titusville fl
Posted in Brevard County Listings For Sale, Brevard Home Buying, Brevard Home Selling | No Comments »
Best Remodels for Your Upside Down HomeWritten by Larry on February 23, 2012 – 3:02 pm -
In Staying Put: Remodel Your House to Get the Home You Want, architect Duo Dickinson gives new meaning to the term 'housebound.' He uses the term to refer to homeowners who have decided to stay put instead of moving up to a larger home, including those who made that decision because they are upside down on their mortgages: they owe more than the place is worth. The premise of Dickinson's book is something I've long believed myself: that staying in even an underwater home can be a smart move – and it doesn't have to involve making do with a home that no longer works for your needs. Blinging out an upside down home with every gadget and doodad known to man can constitute throwing good money after bad, but there are a handful of upgrades that might make sense for homeowners facing negative equity. For the most part, sensible upgrades to upside-down homes can all be described as things that either:
- make life in the place much more comfortable for the long term – alleviating the want or need to move
- boost the home's sagging value or saleability for a relatively small investment, and/or
- begin saving the homeowners money – or even earn tax credits – immediately.
Here are five upgrades that might have upside for your lifestyle or bottom line, if you own an underwater home: 1. Cosmetics that boost curb appeal. When your home is mired in negative equity, chances are good that you might have been investing your dollars and cents into keeping your head above water and the property in sound functioning condition – not necessarily keeping the exterior at its most pristine. But if you are looking to boost your home's value to hit an appraisal mark for refinancing, or even just trying to lure in a buyer to purchase the place as a short sale, primping your home's exterior cosmetics can be a smart investment. Keep costs down by doing it yourself, or even hiring a reputable handyman to tackle small, but impactful tasks like:
- painting the shutters, eaves, doors and other trims – if you can paint the whole house, great – but if you can't afford all that, painting the trims and accents can make a massive visual difference in the look and feel of your home, very inexpensively;
- adding fresh, new hardware like a mailbox, house numbers, and a front door or door knockers and kick plates; and
- landscaping – planting lush or fragrant flowers or trees, trimming up overgrown shrubs and even installing low maintenance ground cover can also transform the entire look of your home from the curb.
And while curb appeal is priority number one if you are trying to get your home sold, interior design projects of a similarly small scale can also create massive benefits for your emotions and comfort level for the buck if you're planning to stay put for the long haul. It's amazing what a basic paint job in your bedroom, opening (or ditching) your window coverings or installing lighting or shelves can do to make your family happier at home!
2. Economical expansion. If you crave more space and your home can be expanded within its existing footprint, consider an economical expansion – having a professional convert your garage or basement into a rental or mother-in-law type unit can be an especially good investment if you can house more family members or bring in some income within the new living space. In a similar vein, consider adding a prefab unit in your large backyard or even building on additional square footage, if you can afford it and truly need the space. Before you do, though, make sure you get permits and check in with your local real estate pro to be sure that you're not just overimproving the place vis-a-vis the neighborhood, digging your negative equity hole beyond your financial or emotional tolerance level or even an extended timeline you might have in mind for selling the place. 3. Greening it up. Upgrades that improve your home's energy efficiency have inherent value in terms of scoring you points as a good citizen of the planet. But they can also improve your day-to-day living comfort – and decrease your utility bills. Buying solar panels can eliminate your electric bill entirely with an upfront investment; leasing the panels can cost you nothing upfront and keep your energy bills fixed for as long as 20 years! And on my own personal home improvement wish list is a tankless water heater – they eliminate the need to pay to keep that big old tank of water hot, and they produce endless hot water – no matter how many showers you take. Endless hot water! (As a side benefit, if you happen to live in earthquake country like I do, you don't have to worry about strapping the tank or checking to make sure it's still secure after every tremor or aftershock.)
In many states, green home improvements like these and dual-paned windows, adding insulation or installing efficient heating and cooling appliances might qualify you for tax credits; check with a local tax pro to see what tax advantages you might earn by going green at home.
4. Combining quarters. A home improvement show would be nothing without someone pointing out how gloriously spacious the kitchen/dining room, master bedroom or even two smallest bedrooms could be if they could just (say it with me, folks): "knock out this wall." If you've uttered those very words about your own home, consult with a contractor – many interior walls are relatively easy and inexpensive to remove, even if you might need to leave in and finish off a support beam if the wall does turn out to be load bearing. I know it's anathema to some agents to even think about combining two bedrooms into one; for resale purposes the rule of thumb is the more bedrooms, the better. But, here's the deal: (a) two teeny-tiny, unusable bedrooms are not better than one, in the eyes of most homebuyers, and (b) most walls that are easily taken down can be equally easily put back up when it's time to sell. If you've decided to stay put in your underwater home for the next 10, 20 or even 30 years, there's no reason resale considerations should stop you from taking down a wall that is preventing you from fully enjoying your home. 5. Built-ins that make things work. Built-in work and storage spaces in your office, garage, craft rooms, kitchen and even otherwise unusable nooks and crannies are uber-useful and can give you the feel of a highly customized luxury home without moving – and without spending much cash. (And window seats? Don't get me started – who doesn't love a window seat?!) Similarly, functional furniture like loft beds, Murphy beds, pot racks, pantries and armoires can create a highly customized feel and convenient lifestyle, but you can move them around the house – or even take them with you whenever you do decide to move! Investing to improve a home that is upside down should be done very carefully, and only once you have your personal endgame firmly in mind. The budget you set to spruce up a home you need to divest of via a short sell might be vastly different from the investment you're willing to make to enlarge a home you plan to house your family in for the next 20 years. So be intentional: get clear on your finances and your future plans for your family and career before you start spending on home improvements in this market climate. Then, you'll be in a position to create a regret-free home improvement plan.
Posted in Brevard County Listings For Sale, Brevard Home Buying, Brevard Home Selling | 1 Comment »
President Obama's Plan to Help Responsible Homeowners and Heal the Housing MarketWritten by Larry on February 3, 2012 – 4:32 pm -
The White House
Office of the Press Secretary
FACT SHEET: President Obama's Plan to Help Responsible Homeowners and Heal the Housing Market
In his State of the Union address, President Obama laid out a Blueprint for an America Built to Last, calling for action to help responsible borrowers and support a housing market recovery. While the government cannot fix the housing market on its own, the President believes that responsible homeowners should not have to sit and wait for the market to hit bottom to get relief when there are measures at hand that can make a meaningful difference, including allowing these homeowners to save thousands of dollars by refinancing at today's low interest rates. That's why the President is putting forward a plan that uses the broad range of tools to help homeowners, supporting middle-class families and the economy.
Key Aspects of the President's Plan
• Broad Based Refinancing to Help Responsible Borrowers Save an Average of $3,000 per Year: The President's plan will provide borrowers who are current on their payments with an opportunity to refinance and take advantage of historically low interest rates, cutting through the red tape that prevents these borrowers from saving hundreds of dollars a month and thousands of dollars a year. This plan, which is paid for by a financial fee so that it does not add a dime to the deficit, will:
o Provide access to refinancing for all non-GSE borrowers who are current on their payments and meet a set of simple criteria.
o Streamline the refinancing process for all GSE borrowers who are current on their loans.
o Give borrowers the chance to rebuild equity through refinancing.
• Homeowner Bill of Rights: The President is putting forward a single set of standards to make sure borrowers and lenders play by the same rules, including:
o Access to a simple mortgage disclosure form, so borrowers understand the loans they are taking out.
o Full disclosure of fees and penalties.
o Guidelines to prevent conflicts of interest that end up hurting homeowners.
o Support to keep responsible families in their homes and out of foreclosure.
o Protection for families against inappropriate foreclosure, including right of appeal.
• First Pilot Sale to Transition Foreclosed Property into Rental Housing to Help Stabilize Neighborhoods and Improve Home Prices: The FHFA, in conjunction with Treasury and HUD, is announcing a pilot sale of foreclosed properties to be transitioned into rental housing.
• Moving the Market to Provide a Full Year of Forbearance for Borrowers Looking for Work: Following the Administration's lead, major banks and the GSEs are now providing up to 12 months of forbearance to unemployed borrowers.
• Pursuing a Joint Investigation into Mortgage Origination and Servicing Abuses: This effort marshals new resources to investigate misconduct that contributed to the financial crisis under the leadership of federal and state co-chairs.
• Rehabilitating Neighborhoods and Reducing Foreclosures: In addition to the steps outlined above, the Administration is expanding eligibility for HAMP to reduce additional foreclosures, increasing incentives for modifications that help borrowers rebuild equity, and is proposing to put people back to work rehabilitating neighborhoods through Project Rebuild.
1. Broad Based Refinancing Plan
Millions of homeowners who are current on their mortgages and could benefit from today's low interest rates face substantial barriers to refinancing through no fault of their own. Sometimes homeowners with good credit and clean payment histories are rejected because their mortgages are underwater. In other cases, they are rejected because the banks are worried that they will be left taking losses, even where Fannie Mae or Freddie Mac insure these new mortgages. In the end, these responsible homeowners are stuck paying higher interest rates, costing them thousands of dollars a year.
To address this challenge, the President worked with housing regulators this fall to take action without Congress to make millions of Americans eligible for lower interest rates. However, there are still millions of responsible Americans who continue to face steep barriers to low-cost, streamlined refinancing. So the President is now calling on Congress to open up opportunities to refinancing for responsible borrowers who are current on their payments.
Under the proposal, borrowers with loans insured by Fannie Mae or Freddie Mac (i.e. GSE-insured loans) will have access to streamlined refinancing through the GSEs. Borrowers with standard non-GSE loans will have access to refinancing through a new program run through the FHA. For responsible borrowers, there will be no more barriers and no more excuses.
Key components of the President's plan include:
• Providing Non-GSE Borrowers Access to Simple, Low-Cost Refinancing: President Obama is calling on Congress to pass legislation to establish a streamlined refinancing program. The refinancing program will be open to all non-GSE borrowers with standard (non-jumbo) loans who have been keeping up with their mortgage payments. The program will be operated through the FHA.
Simple and straightforward eligibility criteria: Any borrower with a loan that is not currently guaranteed by the GSEs can qualify if they meet the following criteria:
• They are current on their mortgage: Borrowers will need to have been current on their loan for the past 6 months and have missed no more than one payment in the 6 months prior.
• They meet a minimum credit score. Borrowers must have a current FICO score of 580 to be eligible. Approximately 9 in 10 borrowers have a credit score adequate to meet that requirement.
• They have a loan that is no larger than the current FHA conforming loan limits in their area: Currently, FHA limits vary geographically with the median area home price – set at $271,050 in lowest cost areas and as high as $729,750 in the highest cost areas
• The loan they are refinancing is for a single family, owner-occupied principal residence. This will ensure that the program is focused on responsible homeowners trying to stay in their homes.
Streamlined application process: Borrowers will apply through a streamlined process designed to make it simpler and less expensive for borrowers and lenders to refinance. Borrowers will not be required to submit a new appraisal or tax return. To determine a borrower's eligibility, a lender need only confirm that the borrower is employed. (Those who are not employed may still be eligible if they meet the other requirements and present limited credit risk. However, a lender will need to perform a full underwriting of these borrowers to determine whether they are a good fit for the program.)
Program parameters to reduce program cost: The President's plan includes additional steps to reduce program costs, including:
• Establishing loan-to-value limits for these loans. The Administration will work with Congress to establish risk-mitigation measures which could include requiring lenders interested in refinancing deeply underwater loans (e.g. greater than 140 LTV) to write down the balance of these loans before they qualify. This would reduce the risk associated with the program and relieve the strain of negative equity on the borrower.
• Creating a separate fund for new streamlined refinancing program. This will help the FHA better track and manage the risk involved and ensure that it has no effect on the operation of the existing Mutual Mortgage Insurance (MMI) fund.
EXAMPLE: How Refinancing Can Benefit a Borrower With a Non-GSE Loan
A borrower has a non-GSE mortgage originated in 2005 with a 6 percent rate and an initial balance of $300,000 – resulting in monthly payments of about $1,800.
The outstanding balance is now about $272,000 and the borrower's home is now worth $225,000, leaving the borrower underwater (with a loan-to-value ratio of about 120%).
Though the borrower has been paying his mortgage on time, he cannot refinance at today's historically low rates.
Under the President's legislative plan, the borrower would be eligible to refinance into a 4.25% percent 30-year loan, which would reduce monthly payments by about $460 a month.
• Refinancing Plan Will Be Fully Paid For By a Portion of Fee on Largest Financial Institutions: The Administration estimates the cost of its refinancing plan will be in the range of $5 to $10 billion, depending on exact parameters and take-up. This cost will be fully offset by using a portion of the President's proposed Financial Crisis Responsibility Fee, which imposes a fee on the largest financial institutions based on their size and the riskiness of their activities – ensuring that the program does not add a dime to the deficit.
• Fully Streamlining Refinancing for All GSE Borrowers: The Administration has worked with the FHFA to streamline the GSEs' refinancing program for all responsible, current GSE borrowers. The FHFA has made important progress to-date, including eliminating the restriction on allowing deeply underwater borrowers to access refinancing, lowering fees associated with refinancing, and making it easier to access refinancing with lower closing costs.
To build on this progress, the Administration is calling on Congress to enact additional changes that will benefit homeowners and save taxpayers money by reducing the number of defaults on GSE loans. We believe these steps are within the existing authority of the FHFA. However, to date, the GSEs have not acted, so the Administration is calling on Congress to do what is in the taxpayer's interest, by:
a. Eliminating appraisal costs for all borrowers: Borrowers who happen to live in communities without a significant number of recent home sales often have to get a manual appraisal to determine whether they are eligible for refinancing into a GSE guaranteed loan, even under the HARP program. Under the Administration's proposal, the GSEs would be directed to use mark-to-market accounting or other alternatives to manual appraisals for any loans for which the loan-to-value cannot be determined with the GSE's Automated Valuation Model. This will eliminate a significant barrier that will reduce cost and time for borrowers and lenders alike.
b. Increasing competition so borrowers get the best possible deal: Today, lenders looking to compete with the current servicer of a borrower's loan for that borrower's refinancing business continue to face barriers to participating in HARP. This lack of competition means higher prices and less favorable terms for the borrower. The President's legislative plan would direct the GSEs to require the same streamlined underwriting for new servicers as they do for current servicers, leveling the playing field and unlocking competition between banks for borrowers' business.
c. Extending streamlined refinancing for all GSE borrowers: The President's plan would extend these steps to streamline refinancing for homeowners to all GSE borrowers. Those who have significant equity in their home – and thus present less credit risk – should benefit fully from all streamlining, including lower fees and fewer barriers. This will allow more borrowers to take advantage of a program that provides streamlined, low-cost access to today's low interest rates – and make it easier and more automatic for servicers to market and promote this program for all GSE borrowers.
• Giving Borrowers the Chance to Rebuild Equity in their Homes Through Refinancing: All underwater borrowers who decide to participate in either HARP or the refinancing program through the FHA outlined above will have a choice: they can take the benefit of the reduced interest rate in the form of lower monthly payments, or they can apply that savings to rebuilding equity in their homes. The latter course, when combined with a shorter loan term of 20 years, will give the majority of underwater borrowers the chance to get back above water within five years, or less.
To encourage borrowers to make the decision to rebuild equity in their homes, we are proposing that the legislation provide for the GSEs and FHA to cover the closing costs of borrowers who chose this option – a benefit averaging about $3,000 per homeowner. To be eligible, a participant in either program must agree to refinance into a loan with a no more than 20 year term with monthly payments roughly equal to those they make under their current loan. For those who agree to these terms, the lender will receive payment for all closing costs directly from the GSEs or the FHA, depending on the entity involved.
EXAMPLE: How Rebuilding Equity Can Benefit a Borrower
A borrower has a 6.5 percent $214,000 30-year mortgage originated in 2006. It now has an outstanding balance of $200,000, but the house is worth $160,000 (a loan-to-value ratio of 125). The monthly payment on this mortgage is $1,350.
While this borrower is responsibly paying her monthly mortgage, she is locked out of refinancing.
By refinancing into a 4.25 percent 30-year mortgage loan, this borrower will reduce her monthly payment by $370. However, after five years her mortgage balance will remain at $182,000.
Under the rebuilding equity program, the borrower would refinance into a 20-year mortgage at 3.75 percent and commit her monthly savings to paying down principal. After five years, her mortgage balance would decline to $152,000, bringing the borrower above water.
If the borrower took this option, the GSEs or FHA would also cover her closing costs – potentially saving her about $3,000.
• Streamlined Refinancing for Rural America: The Agriculture Department, which supports mortgage financing for thousands of rural families a year, is taking steps to further streamline its USDA-to-USDA refinancing program. This program is designed to provide those who currently have loans insured by the Department of Agriculture with a low-cost, streamlined process for refinancing into today's low rates. The Administration is announcing that the Agriculture Department will further streamline this program by eliminating the requirement for a new appraisal, a new credit report and other documentation normally required in a refinancing. To be eligible, a borrower need only demonstrate that he or she has been current on their loan.
• Streamlined Refinancing for FHA Borrowers: Like the Agriculture Department, the Federal Housing Authority is taking steps to make it easier for borrowers with loans insured by their agency to obtain access to low-cost, streamlined refinancing. The current FHA-to-FHA streamlined refinance program allows FHA borrowers who are current on their mortgage to refinance into a new FHA-insured loan at today's lower interest rates without requiring a full re-underwrite of the loan, thereby providing a simple way for borrowers to reduce their mortgage payments.
However, some borrowers who would be eligible for low-cost refinancing through this program are being denied by lenders reticent to make loans that may compromise their status as FHA-approved lenders. To resolve this issue, the FHA is removing these loans from their "Compare Ratio", the process by which the performance of these lenders is reviewed. This will open the program up to many more families with FHA-insured loans.
2. Homeowner Bill of Rights
The Administration believes that the mortgage servicing system is badly broken and would benefit from a single set of strong federal standards As we have learned over the past few years, the nation is not well served by the inconsistent patchwork of standards in place today, which fails to provide the needed support for both homeowners and investors. The Administration believes that there should be one set of rules that borrowers and lenders alike can follow. A fair set of rules will allow lenders to be transparent about options and allow borrowers to meet their responsibilities to understand the terms of their commitments.
The Administration will therefore work closely with regulators, Congress and stakeholders to create a more robust and comprehensive set of rules that better serves borrowers, investors, and the overall housing market. These rules will be driven by the following set of core principles:
• Simple, Easy to Understand Mortgage Forms: Every prospective homeowner should have access to clear, straightforward forms that help inform rather than confuse them when making what is for most families their most consequential financial purchase. To help fulfill this objective, the Consumer Financial Protection Bureau (CFPB) is in the process of developing a simple mortgage disclosure form to be used in all home loans, replacing overlapping and complex forms that include hidden clauses and opaque terms that families cannot understand.
• No Hidden Fees and Penalties: Servicers must disclose to homeowners all known fees and penalties in a timely manner and in understandable language, with any changes disclosed before they go into effect.
• No Conflicts of Interest: Servicers and investors must implement standards that minimize conflicts of interest and facilitate coordination and communication, including those between multiple investors and junior lien holders, such that loss mitigation efforts are not hindered for borrowers.
• Assistance For At-Risk Homeowners:
o Early Intervention: Servicers must make reasonable efforts to contact every homeowner who has either demonstrated hardship or fallen delinquent and provide them with a comprehensive set of options to help them avoid foreclosure. Every such homeowner must be given a reasonable time to apply for a modification.
o Continuity of Contact: Servicers must provide all homeowners who have requested assistance or fallen delinquent on their mortgage with access to a customer service employee with 1) a complete record of previous communications with that homeowner; 2) access to all documentation and payments submitted by the homeowner; and 3) access to personnel with decision-making authority on loss mitigation options.
o Time and Options to Avoid Foreclosure: Servicers must not initiate a foreclosure action unless they are unable to establish contact with the homeowner after reasonable efforts, or the homeowner has shown a clear inability or lack of interest in pursuing alternatives to foreclosure. Any foreclosure action already under way must stop prior to sale once the servicer has received the required documentation and cannot be restarted unless and until the homeowner fails to complete an application for a modification within a reasonable period, their application for a modification has been denied or the homeowner fails to comply with the terms of the modification received.
• Safeguards Against Inappropriate Foreclosure
o Right of Appeal: Servicers must explain to all homeowners any decision to take action based on a failure by the homeowner to meet their payment obligations and provide a reasonable opportunity to appeal that decision in a formal review process.
o Certification of Proper Process: Prior to a foreclosure sale, servicers must certify in writing to the foreclosure attorney or trustee that appropriate loss mitigation alternatives have been considered and that proceeding to foreclosure sale is consistent with applicable law. A copy of this certification must be provided to the borrower.
The agencies of the executive branch with oversight or other authority over servicing practices –the FHA, the USDA, the VA, and Treasury, through the HAMP program – will each take the steps needed in the coming months to implement rules for their programs that are consistent with these standards.
3. Announcement of Initial Pilot Sale in Initiative to Transition Real Estate Owned (REO) Property to Rental Housing to Stabilize Neighborhoods and Improve Housing Prices
When there are vacant and foreclosed homes in neighborhoods, it undermines home prices and stalls the housing recovery. As part of the Administration's effort to help lay the foundation for a stronger housing recovery, the Department of Treasury and HUD have been working with the FHFA on a strategy to transition REO properties into rental housing. Repurposing foreclosed and vacant homes will reduce the inventory of unsold homes, help stabilize housing prices, support neighborhoods, and provide sustainable rental housing for American families.
Today, the FHFA is announcing the first major pilot sale of foreclosed properties into rental housing. This marks the first of a series of steps that the FHFA and the Administration will take to develop a smart national program to help manage REO properties, easing the pressure of these distressed properties on communities and the housing market.
4. Moving the Market to Provide a Full Year of Forbearance for Borrowers Looking for Work
Last summer, the Administration announced that it was extending the minimum forbearance period that unemployed borrowers in FHA and HAMP would receive on their mortgages to a full year, up from four months in FHA and three months in HAMP. This forbearance period allows borrowers to stay in their homes while they look for jobs, which gives these families a better chance of avoiding default and helps the housing market by reducing the number of foreclosures. Extending this period makes good economic sense as the time it takes the average unemployed American to find work has grown through the course of the housing crisis: nearly 60 percent of unemployed Americans are now out of work for more than four months.
These extensions went into effect for HAMP and the FHA in October. Today the Administration is announcing that the market has followed our lead, finally giving millions of families the time needed to find work before going into default.
• 12-Month Forbearance for Mortgages Owned by the GSEs: Fannie Mae and Freddie Mac have both announced that lenders servicing their loans can provide up to a year of forbearance for unemployed borrowers, up from 3 months. Between them, Fannie and Freddie cover nearly half of the market, so this alone will extend the relief available for a considerable portion of the nation's unemployed homeowners.
• Move by Major Servicers to Use 12-Month Forbearance as Default Approach: Key servicers have also followed the Administration's lead in extending forbearance for the unemployed to a year. Wells Fargo and Bank of America, two of the nation's largest lenders, have begun to offer this longer period to customers whose loans they hold on their own books, recognizing that it is not just helpful for these struggling families, but it makes good economic sense for their lenders as well.
• A New Industry Norm: With these steps, the industry is gradually moving to a norm of providing 12 months of forbearance for those looking for work. This is a significant shift worthy of note, as only a few months ago unemployed borrowers simply were not being given a fighting chance to find work before being faced with the added burden of a monthly mortgage payment.
5. Joint Investigation into Mortgage Origination and Servicing Abuses
The Department of Justice, the Department of Housing and Urban Development, the Securities and Exchange Commission and state Attorneys General have formed a Residential Mortgage-Backed Securities Working Group under President Obama's Financial Fraud Enforcement Task Force that will be responsible for investigating misconduct contributing to the financial crisis through the pooling and sale of residential mortgage-backed securities. The Department of Justice has announced that this working group will consist of at least 55 DOJ attorneys, analysts, agents and investigators from around the country, joining existing state and federal resources investigating similar misconduct under those authorities.
The working group will be co-chaired by senior officials at the Department of Justice and SEC, including Lanny Breuer, Assistant Attorney General, Criminal Division, DOJ; Robert Khuzami, Director of Enforcement, SEC; John Walsh, U.S. Attorney, District of Colorado; and Tony West, Assistant Attorney General, Civil Division, DOJ. The working group will also be co-chaired by New York Attorney General Schneiderman, who will lead the effort from the state level. Other state Attorneys General have been and will be joining this effort.
6. Putting People Back to Work Rehabilitating Homes, Businesses and Communities Through Project Rebuild
Consistent with a proposal he first put forward in the American Jobs Act, the President will propose in his Budget to invest $15 billion in a national effort to put construction workers on the job rehabilitating and refurbishing hundreds of thousands of vacant and foreclosed homes and businesses. Building on proven approaches to stabilizing neighborhoods with high concentrations of foreclosures – including those piloted through the Neighborhood Stabilization Program – Project Rebuild will bring in expertise and capital from the private sector, focus on commercial and residential property improvements, and expand innovative property solutions like land banks.
In addition, the Budget will provide $1 billion in mandatory funding in 2013 for the Housing Trust Fund to finance the development, rehabilitation and preservation of affordable housing for extremely low income families. These approaches will not only create construction jobs but will help reduce blight and crime and stabilize housing prices in areas hardest hit by the housing crisis.
7. Expanding HAMP Eligibility to Reduce Additional Foreclosures and Help Stabilize Neighborhoods
To date, the Home Affordable Mortgage Program (HAMP) has helped more than 900,000 families permanently modify their loans, providing them with savings of about $500 a month on average. Combined with measures taken by the FHA and private sector modifications, public and private efforts have helped more than 4.6 million Americans get mortgage aid to prevent avoidable foreclosures. Along with extending the HAMP program by one year to December 31, 2013, the Administration is expanding the eligibility for the program so that it reaches a broader pool of distressed borrowers. Additional borrowers will now have an opportunity to receive modification assistance that provides the same homeowner protections and clear rules for servicers established by HAMP. This includes:
• Ensuring that Borrowers Struggling to Make Ends Meet Because of Debt Beyond Their Mortgage Can Participate in the Program: To date, if a borrower's first-lien mortgage debt-to-income ratio is below 31% they are ineligible for a HAMP modification. Yet many homeowners who have an affordable first mortgage payment – below that 31% threshold – still struggle beneath the weight of other debt such as second liens and medical bills. Therefore, we are expanding the program to those who struggle with this secondary debt by offering an alternative evaluation opportunity with more flexible debt-to-income criteria.
• Preventing Additional Foreclosures to Support Renters and Stabilize Communities: We will also expand eligibility to include properties that are currently occupied by a tenant or which the borrower intends to rent. This will provide critical relief to both renters and those who rent their homes, while further stabilizing communities from the blight of vacant and foreclosed properties. Single-family homes are an important source of affordable rental housing, and foreclosure of non-owner occupied homes has disproportionate negative effects on low-and moderate-income renters.
8. Increasing Incentives for Modifications that Help Borrowers Rebuild Equity
Currently, HAMP includes an option for servicers to provide homeowners with a modification that includes a write-down of the borrower's principal balance when a borrower owes significantly more on their mortgage than their home is worth. These principal reduction modifications help both reduce a borrower's monthly payment and rebuild equity in their homes. While not appropriate in all circumstances, principal reduction modifications are an important tool in the overall effort to help homeowners achieve affordable and sustainable mortgages. To further encourage investors to consider or expand use of principal reduction modifications, the Administration will:
o Triple the Incentives Provided to Encourage the Reduction of Principal for Underwater Borrowers: To date, the owner of a loan that qualifies for HAMP receives between 6 and 21 cents on the dollar to write down principal on that loan, depending on the degree of change in the loan-to-value ratio. To increase the amount of principal that is written down, Treasury will triple those incentives, paying from 18 to 63 cents on the dollar.
o Offer Principal Reduction Incentives for Loans Insured or Owned by the GSEs: HAMP borrowers who have loans owned or guaranteed by Fannie Mae or Freddie Mac do not currently benefit from principal reduction loan modifications. To encourage the GSEs to offer this assistance to its underwater borrowers, Treasury has notified the GSE's regulator, FHFA, that it will pay principal reduction incentives to Fannie Mae or Freddie Mac if they allow servicers to forgive principal in conjunction with a HAMP modification.
Tags: fix housing crisis, housing crisis, housing market, president
Posted in Brevard Foreclosures, Brevard Home Buying, Brevard Home Selling | No Comments »
Why the Condo Market is Still In Trouble – FHA Financing Has Dried UpWritten by Larry on January 29, 2012 – 6:07 am -
Nothing is being done it seems to help the stagnant condo market. Condo owners are facing an uphill battle when it comes to selling their property. The article below will shed some light on why condo buyers are unable to get FHA financing. If you own a condo and are thinking about selling it, this article is a must read. If you own a condo, I highly recommend you send this to everyone in YOUR association and post it on your Facebook page.
Here is a link to see where you can find out if your Condo is approved for financing using an FHA mortgage. https://entp.hud.gov/idapp/html/condlook.cfm (opens in new window)
Condo buyers frustrated in hunt for FHA mortgages
CHICAGO – Jan. 27, 2012 – Buying a condominium is getting trickier for anyone who wants to put down only 3.5 percent and have the government insure their mortgage.
The issue isn't just the borrower's financial wherewithal. It's the building's, and plenty of condos no longer get a thumbs-up from the Federal Housing Administration.
Since Feb. 1, 2010, condo buyers haven't been able to secure unit-by-unit "spot" approval for FHA-backed mortgages if an entire building was not certified. Instead, the federal government set criteria to determine the financial viability of an entire building before deeming the project as FHA-approved, even if it had previously been certified. An approval lasts two years.
The number of rejected buildings is adding up, due to bad paperwork and bad balance sheets, as an increasing number of condo associations struggle with rentals, short sales and foreclosures. It is jeopardizing the plans of condo sellers who rely on the FHA's stamp of approval as a marketing tool and condo buyers who either want or need an FHA-approved building.
The effects of those rejected buildings are likely to linger, particularly if more stringent downpayment requirements take effect for homebuyers, and could hamper any recovery of the housing market.
For the first nine months of 2011, the FHA's share of the overall home purchase market was 37.4 percent nationally, but the share for condos would have been higher because FHA-insured loans are popular with condo purchasers, said Guy Cecala, CEO and publisher of Inside Mortgage Finance. "They have the most-used program out there," he said.
Since Oct. 1, 38 percent of condominium communities that have gone through the certification process have been rejected by the FHA.
"It's a critical year for buildings," said David Hartwell, a Chicago attorney who represents condo and homeowner associations. "This is a whole new world that we live in now. I see more rejections than acceptances, and the reasons I see clients rejected aren't quickly curable."
For buyers like Kristy Fender, of Chicago, FHA certification is a must-have on her list, and not just because it lets Fender and her fiancé, Dan Harvey, make a smaller downpayment on a home purchase. She also figures that in approving buildings the FHA is doing the due diligence that she would otherwise have to do.
But the process has been much more complicated than Fender imagined, and she's wasted a fair amount of her time. During the past few months that she's looked at units in Chicago's South Loop, she's incorrectly been told that a unit can get spot approval and has looked at units that were listed as FHA approved, only to find out the certification had expired. Her real estate agent, Bette Bleeker of Prudential Rubloff, wound up routinely checking property listings against the FHA's website of approved buildings.
"It's been very frustrating," Fender said. "There's a lot of wishy-washy information out there."
Fender and Harvey now plan to make an offer on a South Loop condo, but the offer will be contingent on the association getting the building certified for FHA financing. Bleeker has spoken with the building's management company.
"If sellers were aware of it, they would certainly be more proactive with their management companies and not let their certification lapse," Bleeker said. "There's a whole education curve that needs to be done here, at the buyer level and the seller level."
Many times, particularly in smaller buildings, it is a real estate agent or lender that informs an association that its certification has expired.
In addition to not knowing about the process, a lack of knowledge of the rules and the many gray areas within them is compounding issues for condo buildings. So, too, is not submitting all the required documentation. Many buildings are denied simply for missing or incomplete paperwork, which has led to the creation of a cottage industry of companies and attorneys that help shepherd associations through the process.
"It seems like there's always something additional that (the FHA) wants," said Steve Stenger, president of Condo Approval Professionals LLC. "Once it expires, FHA lending stops. Lenders can't get case numbers; the FHA won't insure them. That whole section of financing dries up."
Among the specifics that the FHA looks at is that a building is 50 percent owner occupied, that no more than 10 percent of units are owned by one investor or entity, that no more than 15 percent of the units are 30 days past due on their monthly assessments, and that at least 10 percent of the association budget be set aside for capital expenditures and deferred maintenance. But some of those rules also come with a little wiggle room.
The FHA also looks at special assessments and pending litigation, two areas that can raise red flags.
"It's really not that onerous," said an FHA spokeswoman. "A lot of it is just basic information. We do have some that have been appropriately rejected because they are unstable."
Financially, the 249-unit condo building at 1620 S. Michigan Ave. in Chicago is stable, said condo board President Jeanette Johnson. Nevertheless, she worries that the building won't pass the test when its certification expires next month because of the high number of renters residing in units.
"I'm anticipating that the board will try to do the recertification, but I don't know if we'll qualify," she said. "We'll need to evaluate that before we spend any money. It's definitely on the radar screen."
If the building doesn't qualify, Johnson said, it's likely the board would look to change its declarations and bylaws, itself a difficult and lengthy process, to gradually reduce the number of renters allowed in the building.
The Community Association Institute believes the FHA's requirements are having a "chilling" effect on the market, and the trade group has asked for flexibility in the guidelines.
"When it comes to the condo market, that is the gateway to affordable housing, and FHA should play a critical role in that," said Andrew Fortin, a vice president at the trade group.
The FHA hopes to publish its condo certification rules in the Federal Register this year for public comment. Among the areas that may be open to additional flexibility is the requirement that no single entity can own more than 10 percent of a building's units, a spokeswoman said.
But in the meantime, associations continue to grapple with the rules.
"There are new, more onerous guidelines to comply with, and there are definitely challenges," said Jason Will, national condominium sales manager for Wells Fargo Home Mortgage. "The smaller or self-managed homeowners association might not be aware of the guidelines changes until they have a buyer. You actually have a real transaction in jeopardy."
Some associations are deciding that the effort and the expenses tied to the application process, which can run into the thousands of dollars, aren't worth the payoff and are letting their certifications lapse. In some instances, that position reflects a bias against what are thought to be lower-caliber buyers who need the FHA's backing.
"It's the owners that are trying to sell their units versus the owners that want to live in their units," said Jonathan Bierman, a property manager at Forth Group, a condo association management company.
Many in the housing industry say that position is short-sighted, given consumer demand for FHA-backed mortgages.
"In an economy where it's difficult to sell your condo, (FHA approval) is almost imperative," said Kerry Bartell, a Buffalo Grove, Ill., attorney who represents homeowners associations. But, she noted, "We have a lot of clients that say they want to do FHA certification, and we say, 'Don't spend the money, because you're not going to make it.'"
Copyright © 2012 the Chicago Tribune, Mary Ellen Podmolik. Distributed by McClatchy-Tribune News Service.
Tags: fha fincancing for condo, loan for condo
Posted in Brevard Home Selling | 2 Comments »


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The Chicago Board of Elections said it will have 500 investigators out during voting Tuesday.
The investigators will be monitoring any complaints of harassment, intimidation or voter fraud.
Officials said they have fielded lots of questions on polling machine hacking, but they reiterated that the machines are not connected to the internet.

subset: commoncrawl


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In 2015 The Alchemy Project undertook an innovative action research project pioneering the delivery of two, dance-led interventions, working intensively over 4 weeks, with two cohorts of young adults accessing Early Intervention in Psychosis Services through the South London and Maudsley NHS Foundation Trust (SLaM).
Aims and objectives: At Creative Homes we support families to give children the best start in life. Our playful solutions reduce daily stresses in the home and help create happier, healthier and better connected families.From toothbrushing to healthy eating, toilet training to reducing mess and clutter, we're here to help reduce day-to-day stress in the home. We offer a range of simple playful and creative solutions, which give families a helping hand towards building lasting, positive routines.
A qualitative evaluation of psychosocial outcomes of the Creative Communications pilot project for people with dementia
Aim: To demonstrate that a suitably constructed arts programme can address a major challenge in the health system and go to scale
Objectives: PILOT (with key activity periods)
Dance for Parkinson's, a project piloted by NDCWales in 2014 and continued since, forms the backbone of the Company's commitment to participation in dance to support health and well-being for those most in need.
The aim of this project was to examine the effect of a 10- week contemporary dance programme on both physical and psychosocial risk factor for falls. The Intervention's acceptability and feasibility was addressed by documenting:
3rd Stage Dance Company CIC is an organisation supporting the professionally trained dancer, who has returned to dance after time away. It is largely self-funded and much of it is run voluntarily, although it does participate in some funded projects (Arts Council England or local Council funding). Active throughout the year it ensures regular classes for the public as well as regular project opportunities.
Aims The aim of this study was to assess whether Improvised Somatic Dance (ISD) can have a positive effect on children and young people experiencing acute pain. ISD is a non-traditional and non-directive or improvised approach to creative dance and movement education/reeducation.
Aims and Objectives: MovementWorks® is a research driven organisation providing inclusive dance movement programmes that are mainstream and SEND appropriate. The Developmental Dance Movement™ Programme is designed to accelerate learning; integrating core curriculum and early learning goals whilst optimising physical development and enhancing global understanding and communication. Previous studies evidence very promising results and highlight particular benefits for children with developmental delay.
A Right Old Song and Dance was an Awards for All funded residency at Dorset County Hospital for a storyteller and musician who worked with patients on Barnes Ward, particularly those with dementia. It was conceived by the Arts in Hospital programme and nursing staff on the ward as a way to enhance the clinical and social wellbeing of patients and staff.
Not sure what it's all about? Check out the What is arts in health? section and be inspired by some of the examples. Read the newly published charter for the National Alliance for Arts Health and Wellbeing here.
Does it really work? Take a look at the evidence.
Find out what's happening near you by searching our Directory, get advice about setting up a project with our selection of Practical Advice, or get in touch with our Contacts.
© LAHF, unless otherwise stated. LAHF is not responsible for the content of external websites.
Please see our statement of terms and conditions for further details.


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Picturefill 2.0: Use the
The <picture> element is another step closer.
The clever Scott Jehl from the Filament Group has been working hard on creating a working polyfill that uses the <picture> element itself rather than using <span>'s as it has up until now.
Now they are finished and Picturefill has been released. We've already updated out template images in the Examples and Resources sections…. when will you do yours?
We started the Picturefill project over 2 years ago to provide an easy, responsible, and immediately-usable approach to delivering appropriate images to every browser and device – a goal commonly called "responsive images." Since then, the approach has been used widely, on sites like Microsoft.com, Dribbble.com, and more.An excerpt from Picturefill 2.0: Use the


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If you enjoy motor sports you should check out The Redwood Empire RC Ground Pounders race this Sunday, May 2nd. Where else can you see F1 cars, touring sedans, short course trucks, and more all racing in the same place on the same day? Of course these are 1/10 scale vehicles running on batteries or small nitro fueled motors but they are still very fast and racing is still racing.
The Ground Pounders is a local radio controlled car club promoting radio control racing in Sonoma couunty. They maintain a family friendly atmosphere at all of their events.
The race is being held in the parking lot of Driven Raceway in Rohnert Park. The track opens at 9:30am for practice and sign-ups and you should see some exiting racing starting by 11:00am.
You can learn more about the club at www.thegroundpounders.com or view a flyer about the race.
Check out some family fun racing this Sunday.
Have fun,


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Burnley manager Sean Dyche today congratulated three of his promotion winning players after being named in the PFA Championship Team of the Year.
Clarets Captain Jason Shackell who has been part of back line that has registered 21 clean sheets this season, Kieran Trippier who has 14 assists and Danny Ings, the club's top scorer with 25 goals, were all voted by their fellow players at the annual PFA end of season awards last night.
And Dyche believes the accolade is one of that can be shared by the entire squad, in what has been a record-breaking season for the Clarets.
He said: "It's another fantastic marker of a great season to have three players chosen by their peers to be in the team of the year.
"It's a great achievement for the players, and testament to what the entire squad has achieved this season.
"I can only imagine it was a close vote for a number of others in our team.
"If you could look at the vote count, you would probably see there would be a few more of our team that would be close to getting in as well."
Club News
28 April 2014
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There is no doubt that regular brushing and flossing are the most important parts of oral hygiene. But there is another important component of perfect oral hygiene that is often overlooked and it is called mouthwash (also called mouth rinse, oral rinse or mouth bath). Importance of mouth rinsing has been discovered in Chinese medicine almost 4000 years ago.
We have made a list of some of the best and most popular mouthwashes in the world and if you want to read our complete reviews, you can check them out at the bottom of this page. Most mouthwashes cost less than $10, so there is no excuse why you shouldn't have one to perfect your oral hygiene.
Guide to the best mouthwash:
|Our rating
Oral Rinse
|Dr Katz
|ACT Restoring
|ACT Total Care
|Therapy Gum Care
|Perio Therapy
|Tea Tree Oil
|Desert Essence
|Healthy Mouth
Importance of using mouthwash:
Recent study made by Academy of General Dentistry proved that using a mouthwash is more important than you could imagine.
Study included more than 100 adults with mild plaque and gingivitis, and it lasted for 6 months. Members were separated in 2 groups; one group brushed their teeth and used mouth rinse twice per day and other group used placebo mouth rinse, but they still brushed their teeth twice per day.
Results were astonishing. First group (with real mouthwash) reduced its plaque by up to 26.3% and gingivitis up to 20.4%.
Almost all members of first group experienced a reduction in plaque and gingivitis, but only 30% members of other group (without mouthwash) experienced similar results.
But be aware that not all mouthwashes are designed to kill germs. Some of them are designed especially for people with bad breath and some of them for people who want to have a brighter smile.
Our Ultimate Mouthwash Reviews:
Here are our ultimate reviews of the best mouth rinse out of each group. We have ranked them based on various customer testimonials from all over the web, so you don't have to spend hours of searching by yourself!
Our #1 pick for bad breathMany people around the world suffer because of their bad breath and most common cause for that is bacteria. "Morning breath" occurs because saliva production stops when we sleep and that generates perfect environment for bacteria to grow. Most people wake up with bad breath, but that can come to an end with proper mouth rinse.
Based on our research, the TheraBreath is one of the most popular mouthwashes for bad breath. It is advertised as the world's best clinical oxygenating mouthwash which destroys morning breath and sulfur-producing bacteria. It is quite affordable and there is no reason why you shouldn't invest your money into it.
Top features:
- Neutralizes sulfur-producing bacteria.
- Works instantly and lasts over 12 hours (clinically proven).
- Prevents all types of bad breath and dry mouth.
- Recommended by dentists.
Our #1 pick for teeth whiteningCrest is one of world's most recognized teeth whitening brands out there. They have been notoriously known for their whitestrips and variety of whitening products which include whitening toothpastes and mouth rinses.
It is advertised to bring whiter teeth in just 7 days of regular use and to kill bad breath during the process. Of course you can't expect a Hollywood smile, but it is a perfect alternative to abrasive and expensive teeth whitening products. It comes with an affordable price as well.
Top features:
- Whitens teeth after just 7 days of use.
- Helps to prevent future stains.
- Safe to use without irritations.
- Leaves fresh feel and prevents bad breath.
Our #1 pick for kidsSome oral rinses are developed especially for kids. They have tasty flavors and they usually come with funny and children-friendly designs, and Anticavity Fluoride Rinse from ACT is no exception.
Besides taking care for bad breath, ACT advertises that Anticavity Fluoride Rinse for kids strengthens enamel and restores minerals to soft spots. It has 4.7 rating on Amazon, which makes it one of the best rated products in this area. It you want the best for your children, check out our list of top electric toothbrushes for children.
Top features:
- Prevents bad breath.
- Strengthens enamel.
- Helps to prevent children's cavities.
- Alcohol free.
- Tasteful and loved by children.
- American Dental Association approved.
Proper oral care is one of the most important parts of our daily hygiene, but it's overlooked too often. Water flossers and electric toothbrushes are great, but mouthwashes are that cherry on top of the cake. And the best part is – they are affordable and cost only a fraction of a price compared to electric toothbrushes.
What's your favorite mouthwash? You are welcome to share your experience with us in the comments section down below!


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S.P.E.C.I.A.L. Points
When it comes down to an Unarmed Build, you've entered the domain of the champion damage dealers. Unarmed HANDS DOWN causes the greatest amount of DPS… now if only there were enemies in Fallout 76 that lasted longer enough to really test it out. As an unarmed build, you want to focus heavily on damage resistances and mobility, as you WON'T be in power armor (you can used unarmed weapon in PA) and you need to move very quickly to evade up close enemies.
Perk Cards of Choice
Of course, you can swap these around if you deem worthy, or seem to find some aren't fitting how you play, but for me, this gave me the best plan of attack.
This is really up in the air. When it comes to builds, you need to go out there and find what you can, and use it to the best of your abilities.
There are only a few unarmed weapons in the game, but the BEST ones you want to look out for are the:
- Power Fist
- Deathclaw Gauntlet
Each of these can be modified with damage buffs at the weapons workbench, so make sure to maximize their damage and apply the best mods you can for each!
Here are the perks I would HIGHLY recommend looking out for in Unarmed Weapons:
Legendary Main Effects:
- Bloodied
- Anti-Armor
- Junkie's
- Instigating
- Furious
Legendary Major Effects:
- 40% Faster Swing Speed
- +50 Limb Damage
- VATS Critical Shots do +50% Damage
- 40% More Power Attack Damage
Legendary Minor Effects:
- +1 Strength
- +1 Agility
- Take 15% less damage while Blocking
Armor is a really tricky subject because it's such a randomized system, but the sets you REALLY want to look out for are any sets that either grant +1 to Strength OR are Legendary Unyielding armor. Unyielding armor is fantastic for melee builds due to the straight up S.P.C.I.A.L. buffs you get (minus Endurance). It really is the power house gear, and the more stars you get, the better perks you'll have. On top of this, you may also want to look into Bolstering armor, as playing a Bloodied build will deal the best damage possible, but is a high death risk without the proper gear.
Food and Buffs
With a Two Handed Melee build, there are definitely a certain specific few items you'll want to get before running out and murdering everything. Not to say you CAN'T without these items, but they help you one shot EVEN MORE.
Adrenal Reaction: Increased Damage Output at low health. This is GREAT for players with Bloodied Melee weapons that already boost low health damage. Without Class Freak, this comes at a cost of 50 Health.
Twisted Muscles: +25% Melee Damage, and a small chance to cripple your opponent. This is a MUST have for all melee builds. Without Class Freak, this comes at a cost of 50% less gun accuracy
Marsupial: +20 Carry Weight, and you can jump much higher. The carry weight is a HUGE bonus in this game, and the fact that you literally get to hop around swinging massive two handed melee weapons is too good to pass up. Without Class Freak, this comes at the cost of 4 Intelligence
Speed Demon: +20% run and sprint speed, +30% faster reload speed. Now, the reload speed here is kind of a loss, but as a melee build, it seems like you're never close enough to your enemy's, so speed demon gives you that edge. Without Class Freak, this comes at a cost of 50% more hunger and thirst while moving.
These are just a few options to go with that I personally recommend that won't take you five million years to farm and craft. These are quick, easy, and incredibly effective to boost your build to the max
Yao Guai Roast: +25% Food & +15% Melee Damage
Yao Guai Ribs: +15% Food & +10% Melee Damage
Stingwing Filet: +15% Food & +2 Strength
Grilled Radstag: +20% Food & +20 Carry WeightParagraph
Glowing Meat Steak: +15% Food & +10% Melee Damage
Once again, really easy to find and make, these are the drinks you want to spam create in order to pop them as often as possible, plus the ingredients don't weigh you down.
Steeped Fern Flower Tea: +25% Water & +2 Strength
Steeped Thistle Tea & Sweet Mutfruit Teat: +25% Water & +2-% Crit Damage
Everyone's favorite Fallout meal of the day. Here are the drugs you want to bulk up on, just to always boost your build to the most powerful it can possibly be. Some of these are harder to come by than others, but I'd highly recommend focusing on stocking up heavily if the Two Handed melee build is what you want.
Fury: +25% Damage Resist & Bonuses to Melee Damage at the cost of -3% Food, -3% Water, -5 Perception. This is exceptional damage for all melee builds, and is highly recommended when going up against the bigger enemies. Don't waste it on the peasants, they're not worth it.
Psychobuff: +3 Strength, +3 Endurance, & +65 Max Health at the cost of -3% Food, -3%. This is just MORE power to you and your Melee weapons build, and is highly encouraged to hop up on these before MASS killing sprees. These are easier to come by, and definitely boost your build.
Addictol: With the heavy consumption of drugs and alcohol with this build, you'll really want to stock up on Addictol, just to cure yourself of the nasty negative effects that being addicted can bring.
Rad-X (Diluted): Since you need to keep your mutations while you fight the scorchbeast queen, you'll wanna take Rad-X (Diluted) which keeps your mutations active, but also keeps your Rad Resistance up.
Strange this isn't under the drugs section, but I suppose this is a totally different system. Alcohol is very important to strength builds, as it directly buffs that attribute specifically. Here are the best drinks to look out for. For an Unarmed Build, focus on whatever grants strength for even MORE damage.
Bourbon: +1 Endurance & +1 Strength at the cost of -1 Intelligence
Rum: +1 Strength & +1 Agility at the cost of -1 Intelligence
Whiskey: +2 Strength at the cost of -1 Intelligence
The Rundown
The Unarmed Build is hands down one of the most satisfying builds to run. Literally running around with tiny weapons that deal absolutely ludicrous amounts of damage cannot be beaten by anything. By maxing out your strength as much as possible, and focusing HEAVILY on keeping your damage resistances up (Bloodied build life), you can deal upwards of 1000+ consistent damage on the Scorchbeast Queen and nearly 4000-5000+ damage on every other enemy. Deathclaws? One Shot. Mirelurk Queen? 2 easy hits. Legendary Sheepsquatch? I dunno, probably 5 hits or something. stop asking questions AND START BEATING THE TAR OUTTA STUFF.
If you want to check out the build for yourself, or maybe even customize it to your own liking, I would highly recommend checking out NukesDragons "You are SPECIAL" Character Builder, it's super quick and easy to use.
Click the Image Below to head over to the Build Page
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American Express has rolled out a new small business credit card as part of an ongoing effort for the company to step back from its reputation as an elite-only credit card company.
American Express OPEN said Thursday (May 25) that it has launched the Blue Business Plus Credit Card developed for entrepreneurs.
Its rewards program includes earning 2X Membership Rewards points on the first $50,000 spent, the company said, along with other features designed to help small business owners manage cash flow.
"In the U.S., 70 percent of small businesses generate less than $1 million in annual revenues," said American Express Global Commercial Payments Senior Vice President, Global Products, Audrey Hendley in a statement. "For them, every minute counts, and access to money to help fulfill big orders or make capital purchases is critical."
"Blue Business Plus is the only no-annual-fee small business credit card from a major issuer that offers 2X points with no category restrictions, so small business owners can be confident they are making the smart choice for their business," Hendley added.
According to reports, American Express has had to shift its card strategy with some clients. Analysis from The New York Times last month found the company is growing concerned about its inability to gain traction with millennial spenders, for instance.
"Traditionally, American Express succeeds because of its customer service," said The Nilson Report publisher David Robertson. But according to reports, that isn't cutting it with younger spenders.
The launch of a new small business credit card with similarly enhanced sign-up rewards incentives could be another effort to attract a younger breed of entrepreneurs, as American Express tries to shake off its elite-only reputation.
New PYMNTS Report: The CFO's Guide To Digitizing B2B Payments – August 2020
The CFO's Guide To Digitizing B2B Payments, a PYMNTS and Comdata collaboration, examines how companies are updating their AP approaches to protect their cash flows, support their vendors and enable their financial departments to operate remotely.


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This article will help you to make the best of the dreaded phone interview and better your chances of standing out among the pool of applicants.
Are you interested in improving your phone interview skill set? This article touches on topics such as how to speak in an interview and what kinds of questions you should be sure to ask. When the phone interview presents itself, be prepared to distinguish yourself from all the other applicants.


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In-Text Citations
The information from various sources can be used in several ways:
Students should use the Author-Date citation method. Citations in text are acknowledged with (Author, Date) or Author (Date). For example: … as previously shown (Smith, 2005) or …. as shown by Smith (2005).
When tables, figures and formulas from other sources are used, it is also necessary to specify the sources at the end of their headings.
Electronic sources are indicated in the text following the same rules.
List of References
The list of references provides publication details of the sources that have been used in the text. List of references should appear at the end of a research paper. Each source you cite in the paper must appear in your reference list; likewise, each entry in the reference list must be cited in your text.
The references are arranged alphabetically, by the last name of the first author or, if author is not available – by title. If you have cited more than one item by the same author they should be listed chronologically (earliest first), and by letter (2015a 2015b) if more than one item has been published in the same year.
The entries on the list of references contain the data elements necessary to help identify and retrieve cited sources. In general, the references should include:
When citing references it's important to follow the precise order and format of the referencing system you're using. Different citation systems and styles are used in scientific citation. The world's most commonly used are APA, MLA, AMA, Chicago and other citation styles or ISO-690 international standard. The editorial boards of scientific journals, publishing houses or institutions usually indicate which of the rules should be followed. All student papers of Kauno kolegija should conform to APA style for citations and bibliographic entries on the list of references.
References of many sources can be generated automatically:
But you must always check your citations using the resources, for example: Purdue OWL APA Style.
You may not always have all the details listed here (especially with materials like websites), so the rule is to provide as many as you can.
More information: Citations and References in Research Papers 2016


text: Honours help define, encourage and reinforce national aspirations, ideals and standards by identifying role models. We give honours to recognise, celebrate and say thank you to those who make a difference, those who achieve their best and those who serve others. Like nearly every other country in the world, Australia has a system of honours and awards so its citizens can be recognised for excellence, achievement or meritorious service.


text:
Sign In / Sign Out
Navigation for Entire University
- ASU Home
- My ASU
- Colleges and Schools
- Map and Locations
- Directory
Please note: In fall 2015, the PhD in Applied Linguistics was replaced by the PhD in Linguistics and Applied Linguistics. Therefore, individuals interested in doing doctoral studies in applied linguistics at ASU should apply to the PhD in Linguistics and Applied Linguistics.
Applied Linguistics, PhD
Liberal Arts & Sciences, The College of
The Plan of Study is the required curriculum to complete the program.


text:
Financial expert and investment advisor Catherine Austin has a brand new report out on how America's pensions are being drained by the Federal Government and Deep State. Fitts, who was an Assistant Secretary of Housing in the Bush (41) Administration, says, "The reason why we did the pension fund study is because if we are going to stop the corruption, you have to stop our money being used to finance the corruption. So, you and I have to make sure our money is not financing the thing that's killing us, and that's what's going on.
Join Greg Hunter as he goes One-on-One with financial expert Catherine Austin Fitts, Publisher of The Solari Report.


text:
My Belly
now that my midsection is no longer concave
and my abs have relaxed and settled into a belly,
i find my reflection less appealing.
i used to take pride in mirror glances
and secret naked dances,
but now i change the subject quickly
after catching a glimpse of my nude body
after showers or other clothe-less activity.
Battle of the Sexes
hardened as i may try to be,
i can't run away from the fact
that i am in fact,
a woman.
i am strong without a doubt,
able to do whatever i set my mind to,
but inside i am soft as tissue,
sensitive like scarred skin,
delicate as seraphim and cherubim
and spend my energy cherishing
everyone around me.
sometimes the weather gets cloudy
and i forget my anatomy,
think i have pecs instead of breasts,
a mustache above my lips,
unrecognizable hips
and a voice deep and rich as chocolate.
but i am not this basic idea or definition.
i am the kiss on your forehead when your confidence is missing.
i am the gentle touch when trouble gets to be too much
and the loving ear that will always be there.
i care.
i am the mirror on the wall that tells you all,
the pep in your step to take you from one success to the next.
i am a woman,
mother of creation,
removed from your rib so that your stomach is a little empty
so that when you get hungry, you'll know that you need me.
i am the appetizer, main course, and dessert,
the one that you love but still tend to hurt,
the one who loves you but still likes to search
for herself outside of your help.
i am not the same as you.
we complement each other like orange and blue,
like honey and dew,
sweet and tickling.
oh, what a feeling
to stop pretending
and start claiming
my womanhood.
Two Sides
there are two sides of me
that live simultaneously
while dynamically,
diametrically opposed to one another.
they live inside and they fight,
bruising each other with shuddering blows
and when i wake up in the morning,
between my blackened eyes and broken nose,
i don't even know
which one will show her pretty or ugly face.
there's the side of me who
enters parties and lights up the whole place
with bubbly personality;
but then there's the quiet side
who sits in dark corners while others dance wildly
and chooses to talk to nobody
as she writes poetry.
which one is really me?
one is open and the other is closed off.
one enjoys life to the fullest
and the other is always pissed off.
i want desperately to remove the sleeves
of these confused parts of me
but i need them to keep out the cold.
the one on the left is short
and the one on the right is long
but the experience of feeling varying degrees of warmth
has made me strong.
i walk around lopsided and unbalanced,
harnessing and throwing away my talent,
treating my body as a temple
and an alley with empty liquor bottles and blunt roaches
until that day approaches
when the fact that
there are two me's won't have consequences
and i'll be able to look in mirrors
and recognize the girl i see.
and i will marvel in the beauty
and complexity of she,
one human being with different facets
that all make up
My Insecurities
my face has a mind of its own
and it just so happens
that my skin is always
even when i am smiling, it revolts–
causes insurrections in the form of blemishes,
never ceasing to take out its frustrations
on little old me.
and then there's the question of my belly.
a little pooch was cute and
i felt sexy with my belly ring
but now?
my mid-section has gotten comfortable with its present personality
and in turn,
takes up more space when it enters rooms,
makes itself known
when i prefer to be low-key.
this gut has taken advantage of me.
i look at my insecurities and can't help laughing.
what i complain about in the grand scheme of things
is silly of me.
i am a creature of beauty
but my faults are like monsters
that wake me up in the middle of the night.
they live in the closet, stuffed away
for moments alone standing in mirrors
and examining.
if only i could squint at my strengths in the same way–
stare really hard at myself and count
all of my triumphs,
squeeze them from my head and into my heart…
if i could just grab at my ambition
and relish in how much it spills over my reality,
wish for it to grow and grow so i won't
have to stare at my reflection to know
that it exists.
imperfection is true beauty and i'm happy that i have qualities
that separate me
from every one else.
for every insecurity,
there are thirty three reasons for me to smile
and smiling is more worthwhile so while
my skin chooses to complain
and my stomach
(which really isn't that big anyway)
drives me insane,
my cheeks will raise high toward the beautiful sky
and pull me and every insecurity
into open air
to float above the earth where
something as
as my body
is irrelevant,
not applicable,
but nevertheless always


text: Drag City resurrects the fantastic-Ç sound of THE FEMS. To do so, they had to-Ç travel back to the year 1982, when this-Ç single was pressed in some insignificant amount by the band-Ç and spread around the country, one copy at a time. The Fems-Ç represented early American hardcore punk at a time when-Ç speed wasnt necessary in order to punk out and the intersection of angst and humor was a common crossroads for aspirant-Ç songwriters. Hence, the barbed humor of Go To A Party" and-Ç "Is It Living?," alongside the primal screaming of "Order." The-Ç Fems were a legend in their hometown of Buffalo, presiding-Ç over energy-charged crowds with loads of sarcastic banter and-Ç making themselves a party favorite in the wide-open early 80s.-Ç Their 7-inch EP Go To A Party was recorded with the vocals,-Ç drums and bass closest to the mic and the guitar somewhere in-Ç the next room-but the low, rumbling sound that resulted is a-Ç unique vision from early punk days. For frustrated collectors, its a must-have-but not too many copies have been pressed,-Ç as part of our effort to duplicate the original release in every-Ç way." - Drag City.


text:
By all appearance, it is a bitter rivalry between Babajide Sanwo-Olu and Jimi Agbaje as they belong to rival political parties.
Sanwo-Olu is the Lagos governorship candidate for the All Progressive Congress (APC). While Agbaje is the Lagos Governorship Candidate for the Peoples Democratic Party (PDP).
Over the weekend, the duo was spotted partying together against the chagrin of their supporters.
Both men met at the engagement ceremony of the Shodipo and Dosekun families. And it was banter and cordiality, clearly, there was no hostility between them. Despite their conflicting political affiliations.
Sanwo-Olu and Agbaje laughed joyfully and embraced each other.
Babajide Sanwo-Olu 's running mate, Obafemi Hamzat also joined them in the apparent merriment.
Aides of both governorship candidates and other guests looked on in admiration as the men battling to succeed Ambode, partied together.
With the latest development, Jimi Agbaje and Babajide Sanwo-Olu have shown that the political sphere is not a battle field. Beyond the polls, social and personal life is not affected by percieved rivalry.
As 2019 election draws near, Agbaje has swung into action to capture the state.
Babajide Sanwo-Olu has also expressed his readiness to govern Lagos state beyond 2019.
READ ALSO: My Husband is Not A Thief-Titi Abubakar


text:
The Man Inside (2008)
The Man Inside (2008)
- Short | Drama | Fantasy
When Lisandro's key breaks in the lock one morning, he finds himself trapped inside his tenth floor apartment. Struggling against time and the locked door to avoid being late for work, Lisandro begins to realize his predicament is considerably more serious than he thought.
Director:Rory Bresnihan
Stars:Marty Rea, Daniel Reardon, Michael McElhatton, Gerry Walsh
|Watch Trailer


text:
Buffalo Special
Investigations & Security
Buffalo Special Investigations (BSI) is a local Private Investigation and Security Guard company in Buffalo, New York. Our management staff is comprised of a Buffalo Police Officer who has over 30 years of service and a United States Custom and Border Protection Supervisor with over 15 years of service.
Each security staff associate is required to complete a criminal background check, pre-employment and random drug screening, and pervious employment history verification.
Within our facility, we have a training department where our staff receives training that is customized for each job site. In additional professional development, team building exercises and mandatory continuing education is provided.
Buffalo Special Investigation is comprised of dedicated, motivated staff committed to highest customer satisfaction, and living up to our motto:
"Professionalism you can count on- Integrity you can trust".


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At Catawba College, Cheen Lectures Bridge Classroom and Music Industry
April 21, 2008
More than ever, today's music industry is a fast-paced, hard-scrapple race for success. That is the critical message music business majors at Catawba College (Salisbury, NC) have been learning from industry veteran Jeffrey Cheen during the spring 2008 semester.
In just a few short years, Catawba has emerged as a leading school for the study of music business. The success comes in large part from Catawba's full support for students of popular music. The distinction helped the college earn recent recognition from In Tune Monthly as one of the "Best Music Schools for 2008." It has also attracted talented student performers and songwriters from across the country, a number of who have already distinguished themselves beyond the Catawba campus. They include recent graduate Dennis Reed, recipient of the 2006 BMI John Lennon Songwriting Scholarship, and junior Derek Daisey, who placed second in the 2007 Lennon competition.
Jeffrey Cheen began his music career working with such well-known acts as Deep Purple, Joan Rivers, and Tiny Tim as National Promotion Director for Bill Cosby's Tetragrammaton Records. He then went on to serve as Vice-President for A&R at Capitol Records and manager for War, Ronnie Laws, Funkadelic, and Rick James. Cheen is currently president of Succession Records in Charlotte, N.C., and co-founder of the Charlotte Music Awards.
According to Dr. David Lee Fish, Director of Music Business and Popular Music at Catawba, "We're extremely fortunate to have an individual of Jeff's experience living in the area. The real-world perspective he provides our students through his lectures serves as an essential bridge between their classroom studies and the realities of working in the industry."
Learn more about the Catawba College Cheen Lectures as well as music business and popular music studies at the school or contact Dr. David Lee Fish at firstname.lastname@example.com or (704) 637-4280.
- ;
- Music Business and Popular Music ;
- Catawba Student Derek Daisey Places Second in National BMI Foundation's John Lennon Songwriting Contest ;
- Catawba Graduate Wins Top John Lennon Scholarship Award ;
- Music at Catawba


text:
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Dr Ian Bickle
on March 26, 2018
- "
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In this case, the iron deposition in the liver and spleen is well i..."
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text:
I Wouldn't Hurt a Fly
It was a cold December morning with below zero temperatures outside. It was just the kind of day to stay inside, wearing my pajamas and reading headlines in the local newspaper. It was such a lazy kind of day that I sat for twenty minutes choosing between pancakes or waffles for breakfast.
As I sat in my big, overstuffed chair, drinking my coffee, staring down at my fuzzy bunny slippers, I heard a rather annoying sound. There was a fly buzzing around the lamp. The fly would bang against the glass of the bulb and then bang against the fabric of the lampshade and then bang against the bulb and…. This unpleasant noise was distracting me from my perfectly tranquil day. Buzz, bang, buzz, bang, buzz...buzz...bang. Another buzz!
Finally, the fly escaped its lampshade captivity and flew off toward the kitchen. The poor dear must have been tired. It landed on the nearest wall and hung there to regain its strength.
I began to feel sorry for it. While I didn't want it pestering me, it was a lifeform, deserving survival. As the old saying goes, "All life is sacred".
I contemplated what action to take. I immediately dismissed using the fly-swatter hanging from a hook on the wall. I'm not even sure why I have it.
I noticed an empty, lidded baby-food jar on the counter. Perhaps I could capture the fly, thereby relieving myself of its annoying buzz and still qualify as a responsible, caring creature.
I approached the perched critter with the jar in my right hand. I could see its wings twitching and could even see its green-black, compound eyes moving around, looking about. Its legs were rubbing together. It must have sensed me. The fly flew off.
Darn it all! The fly went right back under the lampshade. Buzz, bang, buzz, bang, buzz…. This is not the best way to spend a peaceful, quiet, cold morning in pajamas.
The fly must have learned from its first encounter with the hot bulb, for soon it bid farewell to the lampshade and found sanctuary on the vertical wall again.
I was most careful, very dexterous, and whomp! The fly was in the little container. I clapped the lid down and screwed it on. Mission accomplished! A dent in the paint where the glass rim of the jar had struck the wall the hardest would be a lasting reminder of my success.
I took a quick look to be certain my quarry was indeed my captive. I set the jar down on the end table and went back to reading the paper. Buzz, bang, buzz, bang. The poor organism was looking for a way out of the jar.
I couldn't let it loose in the house as it might find the garbage or the syrup that I planned on applying to the hot cake stack I had decided to have. I couldn't keep it in the jar buzzing and banging. That would be inhumane. Life can be full of misery, loneliness, and suffering. I couldn't add to the pain. I would break the cycle.
I picked up the jar and headed to the front door. I would let this little, living creature free. Perhaps it had a family. No, of course it did. Flies breed like rabbits. To set the fly free was the correct action to take.
I looked down to move the door sock. What the heck? There were dust bunnies on my slippers!
As I opened the front door, I felt the arctic-chilled wind burrowing its way up my pajama bottoms. I opened the jar and made a thrusting motion towards the outside.
The fly flew from the jar, towards the door, past the door, and… fell... dead… onto the icy porch … its wings… frozen.


text:
Young: I'll focus on economy, education
October 21, 2012
As a Colorado native, I know Coloradans are tired of partisan gridlock. Most of us know neither party has a monopoly on good ideas. I am proud of my record of working across the aisle to reach consensus, and always putting the state of Colorado ahead of party or ideology.
I worked with Republicans and Democrats to pass my Innovations in Medicaid Act, which creates new payment models that reign in spending while supporting better health outcomes for those on Medicaid. I worked with Republicans and Democrats to pass the Skills for Jobs Act to ensure the state is sharing employment information with community colleges, so they can offer smart course offerings that will help people get back into the workforce.
The concern I hear the most from people in Greeley and Evans is getting the economy moving. I have a five-point plan — Invest, Innovate, Support, Educate and Cooperate — to get Colorado's economy moving again. Please visit my website http://www.repdaveyoung.com to read the details of my plan.
The second most common concern people raise is challenges facing our educational system. Teaching junior high at Heath for 23 years in Greeley is only part of my life-long career in education. For the past decade, I have trained teachers, higher education faculty and corporate trainers to integrate technology into their classrooms, and so I have first-hand experience with the challenges in both our K-12 schools and our system for higher education.
I have specific plans to improve the quality of education in our community and across the state. We need to invest in early childhood education to give students a fair chance at success in our schools.
We also need to change the focus in our classrooms from teaching to the test to learning that results in success in the workplace.
Recommended Stories For You
I'm asking for your support, and your vote, so that we can build a stronger Colorado together. If you have an idea, a question or a concern, please contact me — I want to hear from you! You can email me at email@example.com, or you can call me directly at (970) 573-6302.
Dave Young represents House District 50 and is a Democrat


text:
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text:
Dance Classes
Every Tuesday, from 08/06/2019 to 08/27/2019, 8:00 PM - 9:00 PM
Highland Park United Methodist Church, Room 391
3300 Mockingbird Lane
Dallas, TX US 75205
Date: Aug 13, 2019
Time: 8:00pm
Looking for a fun and easy way to step into HPUMC? Come dance with us! Our church has a fun and long standing relationship with Dallas dance instructor, Elaine Hewlett. No experience necessary!
Tuesdays, 8:00 - 9:30 pm, Room 391
August 6-27, West Coast Swing and Peabody (4 weeks)
Cost: $30 for 4-week session or $12 per class
Please pay teacher directly.
Laura Beagles, 214.523.2231,
Amy Gutmann, 214.523.2296,


text:
Miss Jessie's® is known as "The Proven Expert in Curls" for a reason, and when it comes to managing our curly hair (which often seems to have a mind of its own), we could certainly use a dash of expertise. This cult favorite is specifically formulated to leave hair supersoft and crunch-free, while delivering enough hold and definition to keep frizz at bay on even the most humid summer days. Bonus: The gentle gel won't affect any chemical treatments.
I absolutely loved this product! Having curly hair is challenging enough, bit it's almost impossible to find a product that you can use after an evening shower and then sleep on it! My hair looked great and it was easy to work with when styling in the morning! The only part I didn't like as much was the gel itself, it was heavy and sticky on my hands.5
I've had straight hair all my life, until 5 years ago when I lost all my hair during chemo. When it grew back, it grew back curly and I had no idea how to deal with curly hair. I lost it all again 2 years later and it grew back even curlier. Thank God I found Miss Jessie's Original Jelly Soft Curls. It is the best. I apply it after I shampoo, to damp hair. It holds my newly founds curls in place and they remain soft to the touch. I can't imagine my life without it.5
I have very thick, course, curly/wavy hair. I have never found a product that works both for air drying and blow drying. This product actually does that. I have been getting tons of compliments on my hair and I love that it looks just as good air dried as it does when I diffuse it. This is the best stuff ever!
This product is perfect if your hair is between wavy and curly. I apply it after I get out of the shower, and it provides a great hold that isn't crunchy and keeps my curls in place all day long. I bought this product right after I finished the sample and I've been using it ever since.5
So I just big chopped again. Yesterday I went to go get a fix up and did not know what to do with my thick TWA. So before when I big chopped I literally just threw wigs on and didn't even try to style my hair. This time I'm actually wearing my TWA out and i wanted to try this product on my hair. I did a wash and go today and literally just applied 2 pea size amount of this gel and worked it through my hair and my curls were POPPIN ! They were so curly and shiny and this stuff smells so good. Honestly u don't have to use a lot of this product to get your curls especially if you use a good moisturizer prior to putting the gel in so a little goes a long way.4