Saturday, October 31, 2009

Daylight Saving Time: All Together, Now

At 2 a.m. Sunday, Nov. 1, time falls back an hour throughout the U.S. -- except in Hawaii and most of Arizona.(Oct. 29) -- The hour we gain each fall is upon us. Whether you delight in the bonus or lament the loss of evening light, have you considered that you're joining an event along with nearly everyone else in America, practically in unison? The thought would normally strike us as profound if the time switch weren't so mundane. Take a look at the numbers. We've got 307.8 million people in the U.S., according to a Census Bureau estimate. The only states that don't observe daylight saving time are Hawaii and Arizona, although the Navajo reservation in Arizona does make the change. That means for about 300.2 million of us -- or 97.5 percent of the population -- we're changing our clocks back to standard time this weekend. And over just a few hours, if you count all the time zones. To compare, a mere 95 million in the U.S. watched this year's Super Bowl. Opening presents Christmas morning? Well, 93 percent of Americans say they celebrate Christmas, according to a USA Today/Gallup poll taken last year.
Sure, you've got the recluse living in a forest cabin, marking the day by sunrise and sunset only. And others who don't track time or comprehend its passage as society sees it. But they'd have to exist in great numbers to make Christmas higher than the time change on the participation scale.And we all breathe and experience day or night at the same time. But these are natural events, not man-made ones. You may also argue that events like the Super Bowl and Christmas are more interesting because they're voluntary, whereas the time change is less so if you want to participate in mainstream society. ("It's 3 p.m., you say? I say it isn't!") Does that make the mass switchover any less awe-inspiring? It's remarkable on the coordination scale alone.


And don't forget that for most of us, at 2 a.m. Sunday, Nov. 1, the time jumps back to 1 a.m.
Information obtained from AOL: Claire Robinson

Monday, October 26, 2009

Geat Pumpkin Fluff Dip or Pumpkin Pie Recipe! EASY

Pumpkin Fluff Dip

Makes 32 servings; 1 point each
Weight Watchers approved

16 oz. fat-free Cool Whip
1.5 oz. pkg. s/f instant vanilla pudding
15 oz. canned pumpkin
1 tsp. pumpkin pie spice

In a large bowl, mix pudding, pumpkin, and spice.
Fold in Cool Whip.Refrigerate.

CREAMY PUMPKIN PIE

1 c. canned pumpkin
1/2 c. cold milk
1 (6 serving) pkg. Jello vanilla instant pudding
1 tsp. pumpkin pie spice
3 1/2 c. or 8 oz. Cool Whip
1 graham cracker pie crust
Combine pumpkin, milk, pudding mix and spice in small bowl. Blend with whisk or electric mixer for 1 minute. Fold in 2 1/2 cups Cool Whip. Spoon into crust. Freeze until firm, about 4 hours. Top with remaining Cool Whip.

Tuesday, October 13, 2009

History of Halloween


It is interesting to see where our Holidays originate and what they mean....here is the Halloween explanation from the Columbia Encyclopedia . . .
Halloween
Halloweenhăl′əwēn', häl′–, Oct. 31, the eve of All Saints' Day, observed with traditional games and customs. The word comes from medieval England's All Hallows' eve (Old Eng. hallow=saint). However, many of these customs predate Christianity, going back to Celtic practices associated with Nov. 1, which was Samhainsä'wĭn, the beginning of winter and the Celtic new year. Witches and other evil spirits were believed to roam the earth on this evening, playing tricks on human beings to mark the season of diminishing sunlight. Bonfires were lit, offerings were made of dainty foods and sweets, and people would disguise themselves as one of the roaming spirits, to avoid demonic persecution. Survivals of these early practices can be found in countries of Celtic influence today, such as the United States where children go from door to door in costumes demanding trick or treat.
Make it a safe and fun Halloween - from: Kim Duclos Coldwell Banker Wardley

Thursday, October 1, 2009

Tuesday, September 29, 2009

Habitat for Humanity - Las Vegas, Nevada


Thanks for your help!
Kim Duclos - Coldwell Banker Wardley - (702) 521-3939
Please spread the word!

Habitat Needs Families!
Habitat for Humanity’s Home Ownership Program has two immediate openings for two homes!
We have a completed two bedroom home at our Tamarus Project:
This home is located off of Tamarus & Warm Springs and may occupy a family of:
Single Parent with one child
Single Parent with two children of the same sex
Two seniors

Framing will begin on a three bedroom home at our Henderson Project:
This home is located off of Sunset and Boulder Hwy and may occupy a family of:
Three to Six people
(Depending on the make up of the family and children)
Please spread the word to your friends, family
and co-workers!
Habitat Families are selected based on their need for adequate housing, their ability to pay a zero interest mortgage, and their willingness to partner up with Habitat.
Habitat Families must complete a minimum of 300 hours of sweat equity per adult working on their home and the homes of other Habitat families.
Habitat Families must pay closing cost of approximately $2000-$2500 and purchase first year’s homeowners insurance approximately $400-$500.
Prior to submitting an application, interested applicants must:
1. Meet the minimum eligibility requirements
Click the link below for more info
http://www.habitatlasvegas.org/site/c.khLPKZPELoF/b.3892327/k.A0DC/Home_Ownership.htm
2. Attend a Habitat Home Ownership Orientation
3. Complete 25 hours of Volunteer Work with Habitat

If you have any questions please contact:
Jackie Valdera
Family Services Program Manager
(Se Habla Español)
702-638-6477
Jackie@habitatlasvegas.org
SPREAD THE WORD!!

Sunday, September 27, 2009

2010 Census to Begin - Cautions from BBB



Thought everyone might be interested in this information

2010 Census to Begin WARNING: 2010 Census Warnings from the Better Business Bureau!
Be Cautious About Giving Info to Census Workers by Susan Johnson
With the U.S. Census process beginning, the Better Business Bureau (BBB) advises people to be cooperative, but cautious, so as not to become a victim of fraud or identity theft. The first phase of the 2010 U.S. Census is under way as workers have begun verifying the addresses of households across the country. Eventually, more than 140,000 U.S. Census workers will count every person in the United States and will gather information about every person living at each address including name, age, gender, race, and other relevant data. The big question is - how do you tell the difference between a U.S. Census worker and a con artist? BBB offers the following advice: ** If a U.S. Census worker knocks on your door, they will have a badge, a handheld device, a Census Bureau canvas bag, and a confidentiality notice. Ask to see their identification and their badge before answering their questions. However, you should never invite anyone you don't know into your home. ** Census workers are currently only knocking on doors to verify address information. Do not give your Social Security number, credit card or banking information to anyone, even if they claim they need it for the U.S. Census. REMEMBER, NO MATTER WHAT THEY ASK, YOU REALLY ONLY NEED TO TELL THEM HOW MANY PEOPLE LIVE AT YOUR ADDRESS. While the Census Bureau might ask for basic financial information, such as a salary range, YOU DON'T HAVE TO ANSWER ANYTHING AT ALL ABOUT YOUR FINANCIAL SITUATION. The Census Bureau will not ask for Social Security, bank account, or credit card numbers, nor will employees solicit donations. Any one asking for that information is NOT with the Census Bureau.
AND REMEMBER, THE CENSUS BUREAU HAS DECIDED NOT TO WORK WITH ACORN ON GATHERING THIS INFORMATION. No Acorn worker should approach you saying he/she is with the Census Bureau. Eventually, Census workers may contact you by telephone, mail, or in person at home. However, the Census Bureau will not contact you by Email, so be on the lookout for Email scams impersonating the Census. Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau. For more advice on avoiding identity theft and fraud, visit http://www.bbb.org/


PLEASE SHARE THIS INFO WITH FAMILY AND FRIENDS...

Monday, September 14, 2009

CLARIFICATION OF THE NEW RESPA ACT



Are you in the market for a new home? Thinking of obtaining a mortage on that purchase? It is imperitive to work with a lender that can accomplish your goals while providing the best and honest service with competitive rates. Call me and we can get the process started! Some new changes in Lending provided below.

Recent changes in the Truth in Lending laws as of 7/30/09

CLARIFICATION OF NEW RESPA ACT
Changes to the Truth in Lending Act: What You Need to Know!
Regulation Z of The Truth in Lending Act (TILA) has undergone important changes that you need to know about in order to set expectations when looking for a loan. These changes take effect for all new applications taken on July 30, 2009 and after, apply to ALL types of mortgage loans (except investor loans and HELOC's) and could impact the overall time line of the mortgage process.
Here are four key parts you need to know:

Initial Disclosures: Under the new rules, initial disclosures must be provided to the borrower for all loans within three (3) business days of when an application is taken.

Initial disclosures include: the Good Faith Estimate (GFE), Truth in Lending Statement (TIL).
Collection of Up-front Fees: The new regulations prohibit lenders from ordering and collecting many up-front fees (ie: appraisal) prior to the new waiting period.
If the loan application is face-to-face, there is no waiting period.
Otherwise lenders have a 3 day waiting period before fee services can be ordered.
TBD properties: Are not considered actual applications per RESPA - once a property is identified and application is made - the waiting period would start from that day. So, if we did a pre-qual for someone today and a week later the property is identified, the disclosures would need to be signed and/or mailed on that day, and the waiting period begins.

Re-disclosures: If there are changes to a borrower's Annual Percentage Rate (APR) that INCREASES more than .125%, the lender must re-disclose to the borrower, and the 3 day waiting period starts over again.

Timing of Loan Closings: Business days are considered Monday-Saturday excluding legal public holidays. Closings cannot be scheduled until at least seven (7) business days after the initial disclosures are received by the borrower. If re-disclosures are needed because of changes to the loan program, terms or APR, the loan closing cannot be scheduled until after the re-disclosures are received by the borrower.

Please contact me for all of your real estate needs @ (702) 521-3939
Kim Duclos - Coldwell Banker Wardley