“More credit counseling could have prevented some of the worst banking practices that helped spur the recession,” says Mike Newbold. Mike is a regional president for Ohio-based Huntington National Bank. I know that the majority of professionals view our marketplace as a place where we need to close our current transactions and simply get paid. But the truth of the matter, is that we need to ensure that we grow with our current client base, they are our lifeblood through the most difficult marketplace, so we need to take care of them.
What about this scenario? Agents discuss a brief synopsis of the real estate process with their clients. Shortly thereafter, agents should call their trusted mortgage brokers to ensure that they can afford to buy, but also that the consumer knows the implications of taking on such a responsibility. A two-hour seminar can consist of loan qualifying and the latest banking laws that are in force. This would be appropriate for first time home buyers because the lending landscape has changed quite a bit. However, I would venture to guess that even veteran homeowners will benefit from this kind of program.
I can appreciate the fact that most lenders simply do a quick review of paperwork, then slam the paperwork through as quickly as possible. After all, that’s what all real estate agents need them to do. But according to the study, it may behoove borrowers to take some time at the beginning of a transaction to become educated about the process. It will improve our rates of foreclosure in the future and allow the loans to perform instead of default. Additionally, I think that the new homeowner’s would appreciate the extra knowledge.
I am not naïve to think that the foreclosure would not have been an issue, eventually. No one was standing at the banks stating that the bubble would burst. However, an educational approach would have made the buyers pause and take note of the conditions. Most educational classes could have included the latest market trends in real estate & finance. Perhaps, the consumers would have been placed in a position to make a decision on their own. Understanding the incredible rise in home values, perhaps the typical buyer would have decided to wait.
Continued on the next pageeric, there is no such thing as race OK. It was a term which sprang forth from the heady pre scientific days of philosophers.
The concept of race in today’s society is loaded with assumptions, political agendas, and unspoken emotional associations. According to philosophers, Bernasconi and Lott, it was first used in its modern form in 1685, by Francios Bernier. However, in the 17th century when the term was first emerging in intellectual discourse, ‘race’ had a variety of meanings; indeed, no one was committed to a specific definition. It was not until 1775 in his essay, Of the Different Races of Men, that Immanuel Kant gave the term its first explicit definition
But why was ‘race’ an issue at this time? Not unlike the multiplicity of connotations the idea has in today’s society, ‘race’ evolved from a complex interaction of philosophical, scientific, religious and political frameworks.
The concept of race in today’s society is loaded with assumptions, political agendas, and unspoken emotional associations. According to philosophers, Bernasconi and Lott, it was first used in its modern form in 1685, by Francios Bernier. However, in the 17th century when the term was first emerging in intellectual discourse, ‘race’ had a variety of meanings; indeed, no one was committed to a specific definition. It was not until 1775 in his essay, Of the Different Races of Men, that Immanuel Kant gave the term its first explicit definition
But why was ‘race’ an issue at this time? Not unlike the multiplicity of connotations the idea has in today’s society, ‘race’ evolved from a complex interaction of philosophical, scientific, religious and political frameworks.
http://www.suite101.com/content/the-intellectual-origins-of-race-a8926
or more to your leanings see:
The next question is “Can race be Biblically defined?” The term race does not appear in the Bible. The Bible refers to differing peoples in terms such as family, tribe, people and nation. It groups people according to familial relationships and then into nationalities. An example of familial relationship is found in Genesis 10, where the genealogies listed are grouped by family. It should be noted that nowhere are the sons of Noah associated with race or color. An important passage on this matter is found in Genesis 10:5:
“By these were the isles of the Gentiles divided in their lands; every one after his tongue, after their families, in their nations” (Gen. 10:5).
Note that familial and national division is shown, as well as division by geography and language (tongue). The significance of this will be discussed later in this paper. No where in the Bible is prejudice based on what we determine as race; i.e. color of hair, skin, eyes or physical characteristics. When God commanded the children of Israel to be a separated people or to utterly destroy other peoples, it was always based on the principle of separation from sin. The same principle of separation is presented in the New Testament when Christians are commanded to come out of the world and not be unequally yoked with the unsaved. (See 2 Cor. 6:14)
Skippy here…so right from the start you set up your self to false terminology.
http://www.bible-truth.org/race.htm
Skippy…ethnicity, ideology, nationality, tribe, what ever but, NO *racial*. Its a scam, to pit you against each other.
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Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
bench craft company scam
Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
bench craft company scam
Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>
Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.
Julian Assange | Sarah Palin | Fox <b>News</b> | Mike Huckabee | Mediaite
In an exclusive interview with Cenk Uygur on MSNBC's Dylan Ratigan Show, Julian Assange described criticism in Washington and elsewhere of WikiLeaks as nothing short of attacks on journalism and the first amendment.
Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>
News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.
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