A very effective sore eyes medicine.
Yet expensive too
Yet expensive too
Wednesday, December 29, 2010
Saturday, December 25, 2010
Chicago’s Shadow Inventory Estimates - one of the Highest!
Shadow inventory is made public slightly utterly completely different counting on who you speak over with or what you are reading. But just place this may be generally the number of properties that are a minimum of sixty days delinquent and aren’t for sale. This information includes properties that have already disclose foreclosure and are bank owned or reo owned.
Unfortunately, Shadow inventory is inevitably growing and affecting the markets already hit onerous by high levels of distressed mortgages, like Chicago, that has an excess offer of inventory already. In line with short sale skilled an info analysis company owned by initial yank, Chicago has an estimated shadow months offer of eighty 1309 homes.
At the current sales rate in Chicago, there are approximately 2 thousands sales per month. At this pace the shadow inventory may mirror up to 4-5 years of potential inventory.
Unfortunately, Shadow inventory is inevitably growing and affecting the markets already hit onerous by high levels of distressed mortgages, like Chicago, that has an excess offer of inventory already. In line with short sale skilled an info analysis company owned by initial yank, Chicago has an estimated shadow months offer of eighty 1309 homes.
At the current sales rate in Chicago, there are approximately 2 thousands sales per month. At this pace the shadow inventory may mirror up to 4-5 years of potential inventory.
Saturday, December 18, 2010
Short Sale Quick Review
I recently asked our one in every of our agents Roger Lauren who is additionally an appraiser "How do Short Sales impact the market worth of a home, and does one use them as comps?"
I believed her answer was fascinating. She replied that during this current market, short sales and REO's alike are determining a home's market worth. Furthermore she says that if short sales negotiator are the sole comparable which will be used, then they are doing verify the value; and most lenders need appraisers to use short sales if they're doing an appraisal for a short sale. She states that "Appraisers have to be compelled to use the comparable that the majority resemble the topic property, whether or not it is a short sale or not. generally that is all there is!"
Ginger went on to mention that she has seen lots of REO and Short Sale expert deals get blown as a result of the agent doesn't skills to cost the property. If the house is worth to low then the bank needs to renegotiate the sales price and then the client typically walks. so obtaining a property appraised within the starting of a transaction could be a great way to work out what the property's worth is. as a result of the banks are taking ciao to administer approvals, the property worth will decline by the time the buyer's appraiser gets out to the property to try and do the appraisal. Her advice: spending to a small degree extra cash upfront will save a deal within the finish.
I believed her answer was fascinating. She replied that during this current market, short sales and REO's alike are determining a home's market worth. Furthermore she says that if short sales negotiator are the sole comparable which will be used, then they are doing verify the value; and most lenders need appraisers to use short sales if they're doing an appraisal for a short sale. She states that "Appraisers have to be compelled to use the comparable that the majority resemble the topic property, whether or not it is a short sale or not. generally that is all there is!"
Ginger went on to mention that she has seen lots of REO and Short Sale expert deals get blown as a result of the agent doesn't skills to cost the property. If the house is worth to low then the bank needs to renegotiate the sales price and then the client typically walks. so obtaining a property appraised within the starting of a transaction could be a great way to work out what the property's worth is. as a result of the banks are taking ciao to administer approvals, the property worth will decline by the time the buyer's appraiser gets out to the property to try and do the appraisal. Her advice: spending to a small degree extra cash upfront will save a deal within the finish.
Saturday, November 27, 2010
Luistro Strongly Reiterates No Collection Policy in DepED’s Schools
Education Secretary Br. Armin Luistro FSC has reiterated its decision to any or all public education officers to refrain from collecting any fees from students to encourage additional oldsters to send their kids to high school and complete basic education.
Luistro strongly inform all public schools to abide by the “no collection” policy as a result of this is often enshrined within the Constitution and DepEd is duty-bound to create certain that school-aged kids are in class.
“Our goal here is to reduce the troubles of oldsters concerning education fees that are one amongst the explanations why several kids are out of education or have dropped-out within the middle of schooling,” Luistro observed.
“If educations are collecting fees, we'll be discouraging enrollment particularly among the terribly poor. This is often additionally why we've got taken serious action against educations officers violating this policy,” said Luistro.
In reiterating the department’s attractiveness, Luistro said that no fees shall be collected from education kids enrolling in pre-school up to Grade four at any time throughout the varsity year.
Further, DepEd informs the general public that beyond Grade four, there ought to be no assortment throughout enrolment amount and therefore the initial month of categories. Contributions, on a purely voluntary basis, might begin on the second month of each education year. This covers contributions for Boy Scout of the Philippines, lady Scouts of the Philippines, Red Cross, Anti-Tuberculosis Fund and Parents-Teachers Association.
Luistro strongly inform all public schools to abide by the “no collection” policy as a result of this is often enshrined within the Constitution and DepEd is duty-bound to create certain that school-aged kids are in class.
“Our goal here is to reduce the troubles of oldsters concerning education fees that are one amongst the explanations why several kids are out of education or have dropped-out within the middle of schooling,” Luistro observed.
“If educations are collecting fees, we'll be discouraging enrollment particularly among the terribly poor. This is often additionally why we've got taken serious action against educations officers violating this policy,” said Luistro.
In reiterating the department’s attractiveness, Luistro said that no fees shall be collected from education kids enrolling in pre-school up to Grade four at any time throughout the varsity year.
Further, DepEd informs the general public that beyond Grade four, there ought to be no assortment throughout enrolment amount and therefore the initial month of categories. Contributions, on a purely voluntary basis, might begin on the second month of each education year. This covers contributions for Boy Scout of the Philippines, lady Scouts of the Philippines, Red Cross, Anti-Tuberculosis Fund and Parents-Teachers Association.
Wednesday, November 10, 2010
Community organizing: Catalyzing sustainability from the ground up
Community organizing: Catalyzing sustainability from the ground up
Many colleagues I know and respect would argue that working on the community level is really the only way to catalyze sustained social change. Again and again, I have seen this to be true. One of my local heroes here on Whidbey Island, north of Seattle, is a master gardener. She has put enormous creative energy into developing a thriving organic garden for the community food bank. This means the ever growing number of families now living on food stamps get to enjoy fresh, healthy vegetables in addition to other staples. She also raises money to allow youth in juvenile detention to work in the garden, giving those teens an experience that for some changes the trajectory of their lives. Then there are other local heroes described poignantly in Steve Lerner's new book, "Sacrifice Zones: The Front Lines of Toxic Chemical Exposure in the United States" -- many who didn't intend to become community or environmental activists, but simply couldn't stand by and watch their families and neighbors succumb to various illnesses linked to exposures from nearby industrial sources. (Please join us for our CHE Cafe call on Monday, November 15 featuring Steve Lerner).
Of course, a number of local heroes have become nationally and internationally recognized, such as Lois Gibbs who, in the 1970s, helped launch myriad environmental health and justice efforts when she stood up to a chemical company dumping toxic waste in the Love Canal neighborhood of Niagara Falls, NY. Wilma Subra, a chemist who works with local communities in Louisiana to provide citizens with the evidence-based science they need to oppose polluting industries, is another remarkable example. (Listen to the CHE Science Cafe call held in August 2010 featuring Wilma Subra).
Yet we know that given the global nature of our trade and communication networks, we also need academics in an array of fields, health professionals, policy wonks, writers, artists and many others who work at different levels-local, state, national and international-to press for systemic change for a healthier future. One clear example of that was reflected on the CHE partner call on November 9 regarding fracking, a relatively new drilling technique that fractures rock with high-pressure fluid is opening up vast shale-natural gas deposits with many unknown long-term consequences for human health and the environment (see Fracking: Implications for Human and Environmental Health). The presenters discussed not only the science, but the importance for federal agencies to provide stronger oversight, the need for companies to be fully transparent and implement best practices, the actions some local communities are already taking, and the emerging networks between different municipalities to determine what steps they can take next.
In short, all of us need to figure out where we can be most effective in leveraging social change based on our particular talents and proclivities. I think of someone like Donella Meadows, whom a number of us called "an academic earth mother" because she worked internationally on sustainable indicators, taught college students about computational environmental science, wrote for the local newspaper on community concerns, raised organic vegetables, and spun wool from her own sheep.
Very few of us have the capacity to work at all those levels, certainly not all at once, because of familial demands at different times in our lives, socioeconomic circumstances and many other factors. But most important is to act where you feel most motivated and energized--whether in your own neighborhood or in the halls of the U.N. If we could all find the leverage points that allow our unique and often complementary gifts to blossom in support of the commons, then we will become the heroes, not necessarily recognized or acknowledged beyond our neighbors, but heroes nonetheless, who generations to come will thank for our vision, persistence, compassion and unwavering commitment to a healthy, sustainable future.
Many colleagues I know and respect would argue that working on the community level is really the only way to catalyze sustained social change. Again and again, I have seen this to be true. One of my local heroes here on Whidbey Island, north of Seattle, is a master gardener. She has put enormous creative energy into developing a thriving organic garden for the community food bank. This means the ever growing number of families now living on food stamps get to enjoy fresh, healthy vegetables in addition to other staples. She also raises money to allow youth in juvenile detention to work in the garden, giving those teens an experience that for some changes the trajectory of their lives. Then there are other local heroes described poignantly in Steve Lerner's new book, "Sacrifice Zones: The Front Lines of Toxic Chemical Exposure in the United States" -- many who didn't intend to become community or environmental activists, but simply couldn't stand by and watch their families and neighbors succumb to various illnesses linked to exposures from nearby industrial sources. (Please join us for our CHE Cafe call on Monday, November 15 featuring Steve Lerner).
Of course, a number of local heroes have become nationally and internationally recognized, such as Lois Gibbs who, in the 1970s, helped launch myriad environmental health and justice efforts when she stood up to a chemical company dumping toxic waste in the Love Canal neighborhood of Niagara Falls, NY. Wilma Subra, a chemist who works with local communities in Louisiana to provide citizens with the evidence-based science they need to oppose polluting industries, is another remarkable example. (Listen to the CHE Science Cafe call held in August 2010 featuring Wilma Subra).
Yet we know that given the global nature of our trade and communication networks, we also need academics in an array of fields, health professionals, policy wonks, writers, artists and many others who work at different levels-local, state, national and international-to press for systemic change for a healthier future. One clear example of that was reflected on the CHE partner call on November 9 regarding fracking, a relatively new drilling technique that fractures rock with high-pressure fluid is opening up vast shale-natural gas deposits with many unknown long-term consequences for human health and the environment (see Fracking: Implications for Human and Environmental Health). The presenters discussed not only the science, but the importance for federal agencies to provide stronger oversight, the need for companies to be fully transparent and implement best practices, the actions some local communities are already taking, and the emerging networks between different municipalities to determine what steps they can take next.
In short, all of us need to figure out where we can be most effective in leveraging social change based on our particular talents and proclivities. I think of someone like Donella Meadows, whom a number of us called "an academic earth mother" because she worked internationally on sustainable indicators, taught college students about computational environmental science, wrote for the local newspaper on community concerns, raised organic vegetables, and spun wool from her own sheep.
Very few of us have the capacity to work at all those levels, certainly not all at once, because of familial demands at different times in our lives, socioeconomic circumstances and many other factors. But most important is to act where you feel most motivated and energized--whether in your own neighborhood or in the halls of the U.N. If we could all find the leverage points that allow our unique and often complementary gifts to blossom in support of the commons, then we will become the heroes, not necessarily recognized or acknowledged beyond our neighbors, but heroes nonetheless, who generations to come will thank for our vision, persistence, compassion and unwavering commitment to a healthy, sustainable future.
Tuesday, November 2, 2010
Sunday, July 18, 2010
Spanish Time Hero
Gat Uban is a local Filipino fighter during Spanish time
He depended the town against Moro raider
He depended the town against Moro raider
Alitap Falls
The Alitap Falls could be one of the best tourist spot in Quezon Province if ever the local government development it. This natural wonder is co equal with the Kawasan Falls of Cebu Province which is famous in tourist.
ALITAP FALLS
Saturday, May 29, 2010
Cat Against Snake
Which one do you think will be the winner in this contest? Cat vs Snake challenge
Snake VS Baby can you believe this?
Old Man VS Dog
Snake VS Baby can you believe this?
Old Man VS Dog
Sunday, May 2, 2010
Central Quezon Academy - 1992
Lucky enough that one of my classmate in Central Quezon Academy for the batch 1992 put this picture in her facebook. I got the chance to see my picture more than 15 years ago. Happy to see this historical picture
I could no longer remember the names of my classmate.
Young Maubanin now living in other places. I think none of them remained in Mauban.
I am not sure if this photo was taken during our 2nd year or 4th year HS. What I am sure about the guy standing there is Joel Palacio
I could no longer remember the names of my classmate.
Young Maubanin now living in other places. I think none of them remained in Mauban.
I am not sure if this photo was taken during our 2nd year or 4th year HS. What I am sure about the guy standing there is Joel Palacio
Friday, April 30, 2010
Sunday, April 18, 2010
Maubanin in Blood Compact Shrine
The blood compact shrine is the place where the first Boholano made an a friendship agreement with the European. That is why Bohol enjoys 45 years of independent before it finally became under the priars.
Friday, April 9, 2010
Kalamay
Kalamay is favorite food being prepare during Christmas or New Year Season. In Mauban Kalamay is pack with dahon ng sagin and place in any kind of box while in Bohol, Kalamay is placed inside coconut shell and being sold at P35 each or 3 for P100.
So which kalamay do you think is more delicious, Kalamay Bohol or Kalamay Mauban. Well since i tasted both flavor and I declared that Kalamay Mauban is better.
Walang regionalism yan ha talagan opinon based on lasa.
So which kalamay do you think is more delicious, Kalamay Bohol or Kalamay Mauban. Well since i tasted both flavor and I declared that Kalamay Mauban is better.
Walang regionalism yan ha talagan opinon based on lasa.
Monday, April 5, 2010
Thursday, March 25, 2010
Hoping 3rd Honor from Sci Tech
This little girl of mine is now grade 1 and hoping to get the 3rd honor in Minglanilla Sci Tech.
She is very intelligent, diligent and demanding.
She is very intelligent, diligent and demanding.
Family Meeting
This is the Escobañas family.
From left: Who1, Who2, Ate Oly, Concon, Tita Lilian, Tita Oma, Her Son, Kya Bokyo.
From right, Kya Michael, Tito Maca and Papa Ped are additional.
Actually have not seen them for the past 4 years i think.
From left: Who1, Who2, Ate Oly, Concon, Tita Lilian, Tita Oma, Her Son, Kya Bokyo.
From right, Kya Michael, Tito Maca and Papa Ped are additional.
Actually have not seen them for the past 4 years i think.
Tuesday, March 16, 2010
Friday, March 12, 2010
Nonoy
| Having trouble viewing this newsletter? Visit http://noynoy.ph/NewsLetter/0309.html |
|
 Issue Highlights —candidates illegally pay rebels —Aquino regains lead —corruption is top issue —Aquino-Roxas vow transparency, media rights —Villar biggest spender —bribery attempts —poverty and social justice —black propaganda |
But the reality is this: Our institutions have broken down any political will aside from the will of an illegitimate president. The constitution is but a piece of paper to officials who have sworn to protect it, and it is used to create laws that serve selfish interests. |
Sunday, March 7, 2010
Trio Babies
If there are 2 babies at the same time then we call it twin. What do we call if they are 3 at the same time? Trio? What do we call if the yaya is trio too?
This is the first time to see trio babies and trio yaya too. It will be very expensive if this thing happen to you ladies
This is the first time to see trio babies and trio yaya too. It will be very expensive if this thing happen to you ladies
Wednesday, February 17, 2010
How to visit Mauban Quezon
A Route to Mauban Quezon
You can see from the map if you came from Manila City proper that you need to pass Laguna and Batangas before you reach Quezon Province. There are major route going to Mauban. The first is through Sta. Cruz Laguna and 2nd through San Pablo City. The way to Mauban using San Pablo is too long because it travel besides the Mt Banahaw and of course the traffics from each town you will just pass by.
Fortunately the road from Lucena to Mauban are now concrete after 35 years of waiting. My recommendation is to use the Sta Cruz trip to Mauban because it less traffic, less pollution and its more colder since the place are still have many trees specially when your reach Pagsangjan, Cavinti, Lousina, Lucban and Sampaloc.
Courtesy of inbound call center in the Philippines
You can see from the map if you came from Manila City proper that you need to pass Laguna and Batangas before you reach Quezon Province. There are major route going to Mauban. The first is through Sta. Cruz Laguna and 2nd through San Pablo City. The way to Mauban using San Pablo is too long because it travel besides the Mt Banahaw and of course the traffics from each town you will just pass by.
Fortunately the road from Lucena to Mauban are now concrete after 35 years of waiting. My recommendation is to use the Sta Cruz trip to Mauban because it less traffic, less pollution and its more colder since the place are still have many trees specially when your reach Pagsangjan, Cavinti, Lousina, Lucban and Sampaloc.
Courtesy of inbound call center in the Philippines
