Sunday, August 5, 2012

Pest,Control,Service,Termite,Exterminat - Insect Facts: Termites











There is nothing like the wood hungry termite to strike fear into the heart of a home-owner, especially when an infestation is found. The damage that this little bug can do to the typical stick-built house has to be seen to be believed, and it is seen much too often. But as a wise man once said, if you want to win the war, you have to get to know your enemy. And for anyone who owns a building made of wood, there is no doubt that the termite is the enemy, and the war can be lost without knowing him.

Unfortunately, there is not just one enemy of human habitation in the form of the termite, but over four thousand - species, that is. The termite has evolved into a wide variety of types, but they are all part of the same scientific class of insects. Similar to ants and other animals that function in groups and with an almost social kind of order, these are called eusocial creatures. The defining characteristic of eusociality is that the animals actually work together to live and survive, cooperating to do things together that no individual ant or termite could do alone. For example, establish a city in your timbers and proceed to destroy your home.

Termites build nests from whatever raw materials they happen to have around, including saliva and feces, cellulose and soil, and other waste matter. Not coincidentally, all of this building material is also what the little fiends eat, so it serves double duty.The nest or colony as it is called, is an amazingly complex structure, with a variety of areas having different purposes and functions. These colonies can contain millions of termites, and they like to construct them in fallen trees, underground, and along and in the foundations of houses. The average colony population consists of semi-mature young bugs called nymphs, soldiers and workers, and male and female individuals whose sole purpose is reproduction.

Unlike bees, there are king and queen termites, and a colony can have many such monarchs, all the better to make more termites. Not only can there be many royal couples who are together for life in a colony, but there are species in which the egg-laying queen has been provided with an extra set of ovaries, giving her the ability to make more than a thousand eggs in one day. Interestingly, when she is full of eggs, she will actually be helped by assistants to get from one place to another, like a queen in her bower.

Other prominent termite types are the worker and the soldier. Termites that have been designated workers have the job of gathering, collecting, and safely storing a food supply for the colony. They are also in charge of maintenance of the structure of the colony, as well as being the builders. As you might guess from the name, the soldier termites are charged with defending the nest from all predators, but especially from their main enemy - the dreaded ant. They are specially equipped for their jobs with bigger mandibles, and the Spider-man-like ability to excrete a sticky substance that the ants really hate.

Termites are truly amazing creatures, as are all insects that function more as one huge organism rather than as individuals. Unfortunately, many times this huge organism has set its sights on your home, and the members of the colony have plans to colonize your territory. Knowing your enemy the termite can help you fight back effectively.

Emily Taylor is a kindhearted individual who loves the outdoors; she spends most of her time lately working in her yard and tending to her garden if she isn?t writing for Vulcantermite.com. Vulcan Termite and Pest Control Birmingham is a family owned business in Alabama specializing in getting rid of those unwanted house guests.

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Source: http://www.ideamarketers.com/?articleid=3454668

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The Basics on Affordable Refinance Mortgages (HARP) ? Real ...

With changes in the economy and frequently fluctuating mortgage rates, many homeowners decide to refinance their mortgages to get better rates and save money as they pay off their homes. Unfortunately, the housing market is not what it once was, and the declining value of a home may prevent a homeowner from being able to refinance a mortgage. If the value of a home has declined, homeowners may not be able to secure traditional refinancing. In this situation, a Home Affordable Refinance Mortgage may be an option for those wishing to secure refinancing.

The Home Affordable Refinance Program, commonly called ?HARP,? was created in March 2009 by the Federal Housing Finance Agency for homeowners who are able to keep up mortgage payments, but unable to refinance due to declining home values. This is different from the Home Affordable Modification Program (HAMP), which assists homeowners in danger of foreclosure.

Since 2009, changes and improvements have occurred to allow more homeowners to take advantage of the program and save money on their mortgages. ?HARP 2.0? allows homeowners with private mortgage insurance with a lender other than their own since many lenders will not refinance mortgages with private mortgage insurance attached. In addition, those applying to the Home Affordable Refinance Program may forego a home appraisal if a reliable automated valuation model is locally available. However, this is left to the discretion of the mortgage service. Finally, in his 2012 State of the Union Address, President Barack Obama referenced a plan that is being referred to as ?HARP 3.0? in the mortgage industry.

There are specific requirements to be eligible for a Home Affordable Refinance mortgage. First, the mortgage must be held by either Fannie Mae or Freddie Mac, and must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009. The given homeowner may not have refinanced with HARP previously. However, this does not apply to Fannie Mae loans refinanced under HARP between March and May in 2009. The loan-to-value ratio also must be more than 80%. Finally, the mortgage payments must be current at the time of refinancing, with a good payment history for at least a year prior to refinancing. This program is not in place for homeowners at risk of foreclosure.

Not all mortgage services offer refinancing under this program. After determining eligibility, homeowners have to find a mortgage service that can refinance under HARP and has been approved by Fannie Mae or Freddie Mac. As with any refinancing, compare the options offered to ensure your refinance has the best terms possible for you. Do not assume that the first offer is the right one. The Home Affordable Refinance Program is scheduled to end on December 31, 2013.

Refinancing a mortgage is common among homeowners in order to secure better interest rates and save money. If homeowners have been keeping up with their mortgage but the value of their home has decreased, HARP can function as an alternative to traditional refinancing options.

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Karl Stockton, a writer with interests in finance, real estate, investment and current events, penned this article for the team at California payday loans.

Source: http://shortsalemc.com/2012/08/the-basics-on-affordable-refinance-mortgages-harp/

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Guest lineups for the Sunday news shows

WASHINGTON (AP) ? Guest lineups for the Sunday TV news shows:

ABC's "This Week" ? Rep. Debbie Wasserman Schultz, D-Fla.; Reince Priebus, Republican National Committee chairman.

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NBC's "Meet the Press" ? Pre-empted by the Olympics.

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CBS' "Face the Nation" ? Gov. Bob McDonnell, R-Va.; Rep. Mario Diaz-Balart, R-Fla.; former Govs. Ed Rendell, D-Pa., and Ted Strickland, D-Ohio.

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CNN's "State of the Union" ? Robert Gibbs, adviser to President Barack Obama's re-election campaign; Sen. Lindsey Graham, R-S.C.

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"Fox News Sunday" ? David Axelrod, adviser to Obama's campaign; Ted Cruz, Republican nominee for Senate in Texas.

Source: http://news.yahoo.com/guest-lineups-sunday-news-shows-183815643.html

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Saturday, August 4, 2012

Homes MSP Real Estate Blog: Kitchen design for aging in place ...

Ktichen2Kitchens have become more important than ever as?the trend is towards eating at home more again. This makes universal kitchen design?to suit all stages of life and abilities an important consideration if you are?considering a new or updated kitchen.?

Universal design makes sense not only for your?personal enjoyment, but also for resale value. By 2020 more than 20% of the population will be over 65 years old, and surveys show that the majority of?Baby Boomers?want to stay in their homes and age in place.

I know from buyers I work with that kitchens are important, regardless of stage in life. Consider these universal kitchen design elements...

  • Countertops
    • Varying heights... some the standard 36 inches high, but also some 28-32 inches high for seated or shorter users and for use as a chopping or baking center
    • Rounded corners... minimize injury to both adults and children
    • Matte surfaces... reduce glare
  • Undercabinet lighting strips... more evenly distribute light and reduce glare
  • Storage systems
    • Roll-out shelves... replace shelves in base?and pantry cabinets
    • Lazy susan or swing-out shelves... for easier access?to corner cabinets or smaller items in standard cabinets
    • Dividers... for clear accessibility
    • Pulls and levers... instead of knobs for easier opening cabinets and doors
  • Aisles, doorways and walkways at least 3 1/2 feet... instead of the more standard 3 feet, to make them accessible to walkers and wheelchairs
  • Appliances
    • Side-by-side refrigerators or bottom freezers... provide easier access to both young and old users
    • Separate cooktop and oven... accommodate height differences
    • Controls at front... allow easy access
    • Touch?pad controls rather than knobs... easier to see and use
    • Induction cooktops... heat is only generated when a pan is placed on the surface for increased safety for young and old alike... and don't heat up the room for increased energy efficiency
    • Microwave oven... within reach and sight of those who will use it, which may be?lower rather than high?over the range (think children climbing on the stove to get to the microwave!)
    • Drawer models... consider drawer model dishwashers, refrigerators, freezers
  • Sink
    • Single faucet lever mounted on the side of the sink for easier access without?lowering counter height
    • Consider basin (or one side of basin) 6 1/2 inches deep or less for easier access for short or seated users

Whether you are a Baby Boomer looking for a home where you can age in place, a family with young children, have friends or family with disabilities, or?just want a comfortable home that will accommodate you throughout your life, universal design is something worth serious consideration.

Sharlene Hensrud, RE/MAX Results - Email- Baby Boomer Realtor

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Source: http://www.homesmsprealestateblog.com/2012/08/kitchen-design-for-aging-in-place-also-great-for-kids.html

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Band Of Horses Help Kick Off Lollapalooza Weekend With Loose Show

Band previewed songs from its upcoming fourth album, Mirage Rock.
By Gil Kaufman


Band Of Horses perform at Lollapalooza
Photo: Gil Kaufman/MTV News

Source: http://www.mtv.com/news/articles/1691129/band-of-horses-lollapalooza-weekend.jhtml

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Why Buy a Condo Instead of a House? | Polson Real Estate - Polson ...

Housing type is a very important decision aside from location when buying a house.? And more often than not, a traditional house or a condominium are the top choices of buyers.? Condo ownership means buying the space inside the unit and some portion in the condo building which are often shared with other condo owners while traditional home ownership means owning both the house and the land.? On the brighter side of condo owning, you don?t need to maintain the lawn and you have access to fitness gym or swimming pools.

There are many buyers who are deciding to buy condominiums instead of single-family homes.? One major reason is that condos are located in urban areas and walking distance from restaurants, shops, hospitals and other places of interest.? Aside from this, condos have very attractive amenities like gyms and pools.? The convenience and amenities offered by condos made it very popular among first time home buyers.

Think about the things that you have to consider before you actually go haunting for Winchester VA condos.? If you think the benefits on buying a condo outweigh the drawbacks or vice versa then pause for a while before making any decision.? So, how do you determine the type of housing that you need?? Is it going to be a single-family house or a condo?? Read more.

Source: http://polsonrealestate.net/2012/08/why-buy-a-condo-instead-of-a-house/

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Friday, August 3, 2012

Linguist Services (United States) ? All jobs (page 1)

POSITION SUMMARY

Provide translation into English from the target language, and render from English into the target language, the speech, and/or writings of non-English speaking individuals.? These translations may be provided to the requestor in either verbatim, summary or transcription form, depending on the assignment.? This material may concern military, scientific, information technology, social and/or legal matters/events, and include terminology and basic institutional knowledge relating to investigative fields such as narcotics, organized crime and terrorism and frequently involves technical or non-standard terms in describing ideas, objects, persons, and places relating to economics, politics and science including highly technical subject matter.? The material may be composed of written or electronic text, and/or voice recordings.? The Linguist will not be able to question the speaker(s)/writer(s) as to the meaning, terminology, or significance of inflection.?

ESSENTIAL FUNCTIONS

Reasonable Accommodations Statement

To perform this job successfully an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

?Essential Functions Statement(s) including but not limited to

  • Write and speak clearly and coherently in the Target Language and English.
  • Translate or interpret conversations; maintain the integrity and meaning of the material.
  • Translate general and technical material to and from the Target Language and English.
  • Possess a thorough understanding of IC Transliteration guidelines and directives.
  • Quickly scan and accurately translate a large amount of material.
  • Write reports, such as a gist, summary, transcript or full translation in the time allotted.
  • Read a variety of unfamiliar subjects, relate ideas and make inferences, and rarely misunderstand the intent of the writer.

EDUCATION, SKILLS, KNOWLEDGE, QUALIFICATIONS AND EXPERIENCE

  • High School graduate or above.
  • High level of proficiency with spreadsheets and the complete MS Office Suite Software.
  • The ability to effectively communicate in English, written and spoken word.
  • Converse professionally in formal and informal situations, resolve problems, work with unfamiliar topics, provide explanations, offer supported opinions and hypothesize.

?OTHER REQUIREMENTS

  • May require U.S. Government security clearance (level TBD) if applicable.
  • Independent resource may test interpretation and translation skill level for desired language.

?WORK ENVIRONMENT

  • Generally indoors may be subject to changes in temperature and noise levels.

EQUAL OPPORTUNITY EMPLOYER

Ahtna Engineering Services is an equal opportunity employer (EOE). Qualified applicants are considered for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, disability, or veteran status.

Source: http://www.miscojobs.com/jobs/job_576792.htm

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