New Blog 1: December 2012

Monday, 17 December 2012

Short Form Mortgage

The most common way to repay a secured mortgage loan is to make regular payments of the capital (also called the principal) and interest over a set term.[citation needed] This is commonly referred to as (self) amortization in the U.S. and as a repayment mortgage in the UK. A mortgage is a form of annuity (from the perspective of the lender), and the calculation of the periodic payments is based on the time value of money formulas. Certain details may be specific to different locations: interest may be calculated on the basis of a 360-day year, for example; interest may be compounded daily, yearly, or semi-annually; prepayment penalties may apply; and other factors. There may be legal restrictions on certain matters, and consumer protection laws may specify or prohibit certain practices. Depending on the size of the loan and the prevailing practice in the country the term may be short (10 years) or long (50 years plus). In the UK and U.S., 25 to 30 years is the usual maximum term (although shorter periods, such as 15-year mortgage loans, are common). Mortgage payments, which are typically made monthly, contain a capital (repayment of the principal) and an interest element. The amount of capital included in each payment varies throughout the term of the mortgage. In the early years the repayments are largely interest and a small part capital. Towards the end of the mortgage the payments are mostly capital and a smaller portion interest. In this way the payment amount determined at outset is calculated to ensure the loan is repaid at a specified date in the future. This gives borrowers assurance that by maintaining repayment the loan will be cleared at a specified date, if the interest rate does not change. Some lenders and 3rd parties offer a bi-weekly mortgage payment program designed to accelerate the payoff of the loan.

Short Form Mortgage

Reconvey Deed Of Trust

A deed of trust is a legal document that gives your mortgage lender a lien on your home. The lien attaches to your property for as long as you still owe money under the mortgage loan. California state law requires a mortgage lender to remove the deed of trust within 21 days after you fully pay off the mortgage loan. Technically, the lender does not actually remove the deed of trust but instead provides a deed of reconveyance that in effect cancels the deed of trust. Reconveyance in those states which use deeds of trust as a mortgage on real property to secure payment of a loan or other debt, the transfer of title by the trustee (which has been holding title to the real property) back to the borrower (on the written request of the borrower) when the secured debt is fully paid. Under the deed of trust the borrower transfers title in the real property to the trustee (often a title or escrow company) which holds it for the benefit of the lender (called "beneficiary"). The lender must surrender the promissory note to the trustee who cancels it and then reconveys title and records the reconveyance.

Reconvey Deed Of Trust

Victor Cruz Victor Cruz

Victor Michael Cruz (born November 11, 1986) is an American football wide receiver for the New York Giants of the National Football League. He was an undrafted free agent signed by the Giants in the 2010 offseason. He played college football at the University of Massachusetts. Against San Francisco in the NFC title game, Cruz had 10 grabs for 142 yards—all in the first half—as the Giants edged the 49ers, 20-17, in overtime to advance to Super Bowl XLVI. The Giants then won the Super Bowl against the Patriots for another Super Bowl title. Cruz has celebrated nearly every touchdown with salsa dance. He stated that it was in honor of his deceased grandmother who taught him how to dance salsa and loved touchdown dances. The New York Daily News even had a dance instructor write about his technique. Cruz's touchdown dance led to him receiving an offer to appear on Dancing with the Stars, which he turned down.

Victor Cruz Victor Cruz

Friday, 14 December 2012

Victor Cruz Posters

Congratulations, Giants fans - for the second time in five years, Eli bested Brady, and your heroes in red-white-and-blue became Super Bowl Champions once again! With a thrilling 21-17 victory over the New England Patriots, New York emerged triumphant in Super Bowl XLVI. With amazing game-action photography and an awesome graphic design, this poster features the game location and date, commemorative title, the Vince Lombardi trophy logo, and six of the Giants favorite stars: dominating QB and game MVP Eli Manning; superstar wide receiver targets Hakeem Nicks and Victor Cruz; and monster defenders Osi Umenyiora, Justin Tuck and Jason Pierre-Paul. Never forget the miraculous 2011-12 season that brought a fourth Super Bowl trophy to New York - a must-have addition to your sports wall-of-fame! Championship posters are always published in limited quantity; grab yours now while it's still available.

Victor Cruz Posters

Thursday, 13 December 2012

Dr Rafael De La Cruz

Rafael De la Cruz, M.D., board certified in internal medicine and infectious disease, has joined the staff at Alton Memorial Hospital. He is now accepting patients at his office located in the AMH Medical Office Building, Suite 203, and is seeing patients in the hospital’s Wound Care Center on Thursdays. Dr. De la Cruz, who has also joined BJC Medical Group of Illinois, completed his internal medicine residency in 2003 at Southern Illinois University in Springfield and finished his infectious disease fellowship from the University of Louisville in 2005. He is also on staff at Barnes-Jewish St. Peters and Progress West in St. Louis.

Dr Rafael De La Cruz

16 Texas Administrative Code

The Texas Administrative Code (TAC) is a compilation of all state agency rules in Texas. There are 16 titles in the TAC. Each title represents a subject category and related agencies are assigned to the appropriate title. In 1977, the TAC was created by the Texas Legislature under the Administrative Code Act (Government Code, §§2002.051-2002.056). In the Administrative Code Act, the Legislature directed the Office of the Secretary of State to compile, index, and cause to be published the Texas Administrative Code. State agency rule writers, in cooperation with the Office of the Secretary of State, had begun the task of organization and systematic dissemination of state agency rules in 1975 with the passage of the Administrative Procedure and Texas Register Act (Government Code, §2001 and §2002). With the passage of the Administrative Code Act, the Legislature intended for the Secretary of State to contract with public entities to publish the TAC. However, as more innovative technology became available, demand for the TAC in electronic format increased. In response to this increased demand, HB 2304 was passed by the Texas Legislature in 1995. HB 2304 allows the Secretary of State to make the TAC available through our web site and to charge for value-added services available through the web site. In addition, HB 2304 mandated that the TAC be made available in an electronic format at no charge.

16 Texas Administrative Code

Koshonin Episode 1

"Koshonin Episode 1" was written November 28th, 2009 by Kitten, and filed under Koshonin. Synopsis: In a modern society in which violent crimes are on the rise, there is a team that tries to resolve cases without bloodshed. It is the metropolitan police's special team, known by the abbreviation SIT (Special Investigation Team). The SIT doesn't get into action after a case but heads to the site just as a crime is being committed. They are on the front-line of risky missions, facing off against criminals; tenaciously conducting negotiations with criminals. As a result of the rigid police hierarchy that can curb the conduct of negotiators, the SIT is also a male-dominated society controlled with strict discipline. There is one female negotiator, Usagi Reiko, who bravely fights at the frontline. She is isolated in the male world of the SIT but courageously fights against crime as well as her organisation. -- jade_frost

Koshonin Episode 1