Friday, October 26, 2012

Can I get a cash out refinance for home improvements if I have less ...

My husband and I?want to refinance soon.? We bought our home in 2008 for $311,000 and have made several improvements.? Based on similar local sales, I believe it will appraise for around $320,000 now.??We currently owe about $278,000, so?we do not have 20% equity.??We would also like to finish?the basement, which I am estimating will cost about $20-$25k, or possibly less, because we?are willing to?do some of the simpler work ourselves (painting, etc.).??What are?the options?? Can?we do a cash out refinance???We are?already paying PMI, so what are the pros/cons of?cashing out on?a first?mortgage, if we are eligible?? Do any lenders look at the estimated value after improvements for the refinance?? Would we be better off?refinancing the first, then getting a second for the improvements, or would we even qualify for?a loan like this?? (Our credit scores are in the 750 range,?debt ratio is less than 20% with mortgage, and we have 4 and 18 years with current employers.)

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Source: http://www.zillow.com/advice-thread/Can-I-get-a-cash-out-refinance-for-home-improvements-if-I-have-less-than-20-equity/465648/

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NASA saw Tropical Storm Murjan making landfall on the Horn of Africa

NASA saw Tropical Storm Murjan making landfall on the Horn of Africa [ Back to EurekAlert! ] Public release date: 25-Oct-2012
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Contact: Rob Gutro
robert.j.gutro@nasa.gov
443-858-1779
NASA/Goddard Space Flight Center

NASA's Aqua satellite watched from space as Somalia in the Horn of Africa experienced a landfalling tropical cyclone on Oct. 25.

On Oct. 25, NASA's Aqua satellite saw Tropical Storm Murjan begin to make landfall in eastern Somalia, just south of Cape Guardafui. Cape Guardafui is located in the northeastern Bari province and forms the geographical point of the Horn of Africa.

On Oct. 25, 2012 at 0720 UTC (3:20 a.m. EDT) the Moderate Resolution Imaging Spectroradiometer (MODIS) instrument that flies aboard NASA's Aqua satellite captured a visible image of Tropical Storm Murjan's western half making landfall on the Horn of Africa while the eastern half of the storm was still over the Arabian Sea.

NASA's Aqua satellite also captured an infrared look at Tropical Storm Murjan as the storm continued moving inland. The Atmospheric Infrared Sounder (AIRS) instrument aboard captured infrared imagery that showed about one-half of the tropical storm had moved over Cape Guardafui, Somalia. The western half of the storm over land, contained some thunderstorms that were reaching high into the troposphere where cloud top temperatures were as cold as -63 Fahrenheit (-52 Celsius) and they have the potential to drop heavy rainfall.

As Murjan progressed on its western track, it continued to push further over the Horn of Africa, specifically in northeastern Somalia.

On Oct. 25 at 1500 UTC (11 a.m. EDT), Murjan had maximum sustained winds near 35 knots (40.2 mph/64.8 kph). It was located about 140 nautical miles east-southeast of Cape Guardafui, Somalia, near 9.4 North latitude and 50.7 East longitude. Murjan was moving to the west-southwest at 12 knots (13.8 mph/22.2 kph).

As Murjan continues to move over land, convection (rising air that forms thunderstorms that make up the tropical cyclone) continues to deteriorate quickly. Forecasters at the Joint Typhoon Warning Center expect Murjan to dissipate over land on Oct. 26.

###



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NASA saw Tropical Storm Murjan making landfall on the Horn of Africa [ Back to EurekAlert! ] Public release date: 25-Oct-2012
[ | E-mail | Share Share ]

Contact: Rob Gutro
robert.j.gutro@nasa.gov
443-858-1779
NASA/Goddard Space Flight Center

NASA's Aqua satellite watched from space as Somalia in the Horn of Africa experienced a landfalling tropical cyclone on Oct. 25.

On Oct. 25, NASA's Aqua satellite saw Tropical Storm Murjan begin to make landfall in eastern Somalia, just south of Cape Guardafui. Cape Guardafui is located in the northeastern Bari province and forms the geographical point of the Horn of Africa.

On Oct. 25, 2012 at 0720 UTC (3:20 a.m. EDT) the Moderate Resolution Imaging Spectroradiometer (MODIS) instrument that flies aboard NASA's Aqua satellite captured a visible image of Tropical Storm Murjan's western half making landfall on the Horn of Africa while the eastern half of the storm was still over the Arabian Sea.

NASA's Aqua satellite also captured an infrared look at Tropical Storm Murjan as the storm continued moving inland. The Atmospheric Infrared Sounder (AIRS) instrument aboard captured infrared imagery that showed about one-half of the tropical storm had moved over Cape Guardafui, Somalia. The western half of the storm over land, contained some thunderstorms that were reaching high into the troposphere where cloud top temperatures were as cold as -63 Fahrenheit (-52 Celsius) and they have the potential to drop heavy rainfall.

As Murjan progressed on its western track, it continued to push further over the Horn of Africa, specifically in northeastern Somalia.

On Oct. 25 at 1500 UTC (11 a.m. EDT), Murjan had maximum sustained winds near 35 knots (40.2 mph/64.8 kph). It was located about 140 nautical miles east-southeast of Cape Guardafui, Somalia, near 9.4 North latitude and 50.7 East longitude. Murjan was moving to the west-southwest at 12 knots (13.8 mph/22.2 kph).

As Murjan continues to move over land, convection (rising air that forms thunderstorms that make up the tropical cyclone) continues to deteriorate quickly. Forecasters at the Joint Typhoon Warning Center expect Murjan to dissipate over land on Oct. 26.

###



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?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-10/nsfc-nst102512.php

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Thursday, October 25, 2012

NYPD busts potential cannibal cop

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Razor-clam dig approved for Oct. 27-30 | Washington Department of Fish and Wildlife

The second razor-clam dig of the fall season will get under way on evening tides at four ocean beaches Saturday (Oct. 27).

The Washington Department of Fish and Wildlife (WDFW) approved the dig after marine toxin tests on all four beaches confirmed the clams are safe to eat.

Twin Harbors beach will open for digging after noon on four consecutive days, Oct. 27-30. Three other beaches ? Long Beach, Copalis and Mocrocks ? will open for digging Oct. 27-28 after noon each day.

Digging days and evening low tides for beaches scheduled to open are:

?

  • Oct. 27, Saturday, 5:57 p.m., +0.2 ft., Long Beach, Twin Harbors, Copalis, Mocrocks
  • Oct. 28, Sunday, 6:36 p.m., -0.1 ft., Long Beach, Twin Harbors, Copalis, Mocrocks
  • Oct. 29, Monday, 7:12 p.m., -0.3, Twin Harbors
  • Oct. 30,?Tuesday, 7:46 p.m., -0.4, Twin Harbors

?

Dan Ayres, WDFW coastal shellfish manager,?recommends that diggers carry a lantern or strong flashlight during night digs. He also?said diggers heading to Copalis and Mocrocks should be aware of a traffic revision on eastbound U.S. Highway 101 in Hoquiam due to emergency work on the Simpson Avenue Bridge.

?This is the only route to those beaches, so people should allow extra travel time to make sure they arrive on time,? Ayres said. He advises diggers to check the Washington Department of Transportation website for more information at?http://goo.gl/hzoM1.

Ayres also reminds diggers that the limit for razor clams is 15 per day, and that diggers are required to keep the first 15 clams they dig. Each digger's clams must be kept in a separate container.

?Diggers caught returning clams can be cited for wastage,? Ayres said.

All diggers age 15 or older must have an applicable 2012-13 fishing license to harvest razor clams on any beach. Licenses, ranging from a three-day razor clam license to an annual combination fishing license, are available on WDFW?s website at?https://fishhunt.dfw.wa.gov and from license vendors around the state.

Information about beach locations and additional digs proposed in the months ahead is available on WDFW?s website at?http://goo.gl/ooxEO.

?

?

Source: http://feeds.soundpublishing.com/~r/echnews/~3/RHbCK7PxdVA/175427471.html

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Once Obama country, Colorado now razor-close

FILE - In this Oct. 3, 2012, file photo, Republican presidential candidate former Massachusetts Gov. Mitt Romney and President Barack Obama talk after the first presidential debate at the University of Denver in Denver. In 2008, Obama used Colorado as a stage both for his nominating convention and to show how his new brand of politics could unite young voters, women and minorities to create a winning coalition even in places that normally back Republican presidential candidates. Now Colorado has become an example of how hard it has been for Obama to maintain that coalition against the headwinds of a sour economy and his disastrous debate performance in Denver. (AP Photo/Charlie Neibergall, File)

FILE - In this Oct. 3, 2012, file photo, Republican presidential candidate former Massachusetts Gov. Mitt Romney and President Barack Obama talk after the first presidential debate at the University of Denver in Denver. In 2008, Obama used Colorado as a stage both for his nominating convention and to show how his new brand of politics could unite young voters, women and minorities to create a winning coalition even in places that normally back Republican presidential candidates. Now Colorado has become an example of how hard it has been for Obama to maintain that coalition against the headwinds of a sour economy and his disastrous debate performance in Denver. (AP Photo/Charlie Neibergall, File)

(AP) ? Four years ago, Barack Obama used this state as both a stage for his nominating convention and a place to show how his new brand of politics could unite young voters, women and minorities to create a winning coalition even in places that normally back Republican presidential candidates.

Now Colorado has become an example of how hard it has been for him to maintain that coalition against the headwinds of a sour economy and his own disastrous first debate performance in Denver.

Republicans and Democrats alike agree that Colorado is a toss-up in this election. Like other battleground states, a slight Obama polling edge before October here has been transformed into a deadlock. That's because independent suburban women ? the key demographic in this closely divided state ? are taking a second look at Romney. Some analysts see an enthusiasm gap between Obama's supporters and his rival's. And the president's attacks on Romney's wealth may resonate less here than in blue-collar Midwestern battlegrounds like Ohio.

"He should be doing better and he isn't," said independent pollster Floyd Ciruli, a former chairman of the state Democratic Party. "It's the worst (swing) state of the bunch for him; isn't that amazing? It's the place we thought he could use as a model."

Though the state has only voted for a Democratic presidential candidate once since 1968, Obama won it by 9 percentage points in 2008. The president is now tied in most public polls here, as well as nationally.

The Romney campaign tried to capitalize on that dynamic Tuesday night with a high-profile appearance of Romney and his running mate, Paul Ryan, joined by musicians Kid Rock and Rodney Atkins at historic Red Rocks Amphitheater.

"We're in the homestretch now and I think the people of Colorado are going to get us all the way there," Romney told an ecstatic crowd of about 10,000.

Obama was due to hold another rally in Denver on Wednesday. His campaign expresses confidence about its chances, saying it always knew 2008 was an anomaly and this contest would look more like the normal election-year photo finishes in a state evenly divided among Republicans, Democrats and independents.

'We have always said this race will be a close election, and we are confident that the president's plan to move our country forward, coupled with the strongest grass-roots organization in history, will lead us to victory on Election Day," Obama campaign spokeswoman Kim Parker said.

To do that, the president needs to win back voters like Robin Abrams, 24, one of the suburban female moderates who voted for Obama in 2008.

"Obama seemed promising ? something new, something fresh," Abrams said Tuesday from a coffee shop in Englewood, a suburb south of Denver.

But this time around, she'd undecided. She's getting out of college in about a year and isn't sure she'll be able to find a job. She likes Obama's stance on social issues, especially women's health and abortion rights. But she's thinking about her pocketbook, too.

"Socially, I think I'm more Democratic. But economically, I'm not sure. And I want to be sure," said Abrams, who added that she turns off her cellphone sometimes because she's so bombarded by political messages.

The two campaigns are fiercely battling for the votes of the roughly 100,000 undecided voters here who are overwhelmingly nonpartisan women who support abortion rights. The Obama campaign has modeled its approach on Michael Bennet's 2010 U.S. Senate race, in which the Democratic political novice defied the Republican Party by hammering his tea party opponent on immigrants' rights and abortion. Bennet won by less than 30,000 votes.

Laura Chapin, a Democratic consultant, argues that approach ultimately will put Obama over the top. "The demographics still favor President Obama," she said. "This is a young, well-educated state with a majority of women and a lot of Latino voters."

But the state's high levels of education and relative affluence mean that some of Obama's class-based attacks on Romney may not resonate as well.

"Have you ever seen jobs shipped overseas to China from here?" Ciruli said. "We've got no labor unions, we've got minimal old-style manufacturing."

And Republicans contend that the Obama campaign's attempt to paint Romney as an extremist melted away after voters watched him in the first debate, which was widely viewed in Colorado. "That narrative came crashing into reality when they saw that guy up on the debate stage in Denver seeming rational and reasonable," said Ryan Call, chairman of the state Republican Party.

Kenneth Bickers, a political scientist at the famously liberal University of Colorado, Boulder, said Obama also is suffering from an enthusiasm gap. He said that despite two Obama campaign visits here, he sees far less enthusiasm than he did four years ago. "If there's an enthusiasm gap on the Boulder campus, where I am, that's the canary in the coal mine," Bickers said, adding that he believes Hispanics, who are 21 percent of the population here, may not turn out at the same clip as they did four years ago.

Democrats scoff at the notion of an enthusiasm gap, while boasting that their field operation is as strong as ever and could be worth a percentage point or two of the vote. In a sign of its strength, Democrats dramatically narrowed Republicans' advantage in voter registration this summer. Republicans say their own ground game is vastly improved since their low point in 2008.

Denver-based GOP operative Katy Atkinson said that in a state as close as Colorado, the ground game may make all the difference.

"The Democrats have spent a lot of money registering new voters, and those can be the toughest to turn out. So they have the tougher job, but they also have a very sophisticated program," Atkinson said. "If anybody can do it, the Obama people can. But that's the whole question in Colorado."

___

Follow Nicholas Riccardi on Twitter at www.twitter.com/nickriccardi

Follow Kristen Wyatt on Twitter at www.twitter.com/apkristenwyatt

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-10-24-Colorado-State%20of%20Play/id-1d04cdffc0dd4293bde37298211a742c

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Hemorrhoids Treatment Surgery ? Health & Fitness

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Source: http://healthfitnessbloginfo.wordpress.com/2012/10/23/hemorrhoids-treatment-surgery-2/

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Tools & Home Improvement Equipment: Star Master Colorful Starry ...

Star Master Colorful Starry Night Cosmos Projector Bed Side Lamp
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Review & Description

This creates a larger, more Brilliant light show for your viewing entertainment. This is the greatest upgrade anybody could add to their Star Light Show. Decor your room, house. Auto flashing star, multi colors. Powered by 3 x AA batteries(not include) Size:109*109*118mm Material:ABS Package Content:1?star master light Package size:115*115*135mm Read more


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Source: http://tools-home-improvement-equipment.blogspot.com/2012/10/star-master-colorful-starry-night.html

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