Ryan Tries to Lower Debate Expectations

Republican vice presidential candidate Paul Ryan tried to temper the expectations for the first presidential debate during his appearance on Fox News Sunday.

It?s a debate that pundits have said Mitt Romney needs to dominate if he wants to cut into President Obama?s growing lead in key battleground states.

?Look, President Obama is a very -- he's a very gifted speaker,? Ryan said. ?The man's been on the national stage for many years, he's an experienced debater, he's done these kinds of debates before. This is Mitt's first time on this kind of a stage.?

Instead, Ryan tried to paint the metrics for evaluating the debate as a choice between the two candidates and their different visions for the country: pro-growth versus stagnation, as Ryan characterized it.

?We owe the country a very clear choice of a different future. We can either have a dynamic, growing economy that produces opportunity, or we can have a stagnant economy that fosters dependency. We can stick with the failed policies of the four - last years for the next four years ? or we can get a brighter future. Stagnation versus growth, dependency versus opportunity and upward mobility. That?s the classic choice, the clear difference that we're offering.?

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Source: http://news.yahoo.com/ryan-tries-lower-debate-expectations-095302683--politics.html

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Attack kills 2 Americans, at least 2 Afghans

FILE - In this Oct. 3, 2009 file photo, U.S. Marine squad leader Sgt. Matthew Duquette, left, of Warrenville, Ill., with Bravo Company, 1st Battalion 5th Marines walks with Afghan National Army Lt. Hussein, during in a joint patrol in Nawa district, Helmand province, southern Afghanistan. U.S. military officials have noted that Afghan security forces are dying in insider attacks along with foreign troops, but so far, the Afghan government has not provided statistics on the number killed. (AP Photo/Brennan Linsley, File)

FILE - In this Oct. 3, 2009 file photo, U.S. Marine squad leader Sgt. Matthew Duquette, left, of Warrenville, Ill., with Bravo Company, 1st Battalion 5th Marines walks with Afghan National Army Lt. Hussein, during in a joint patrol in Nawa district, Helmand province, southern Afghanistan. U.S. military officials have noted that Afghan security forces are dying in insider attacks along with foreign troops, but so far, the Afghan government has not provided statistics on the number killed. (AP Photo/Brennan Linsley, File)

FILE - In this July 9, 2010 file photograph, an Afghan National Army soldier wears an ammunition belt around his neck during a joint patrol with United States Army soldiers from Bravo Company, 2nd Battalion of the 508 Parachute Infantry Regiment of the 82nd Airborne, in the volatile Arghandab Valley, outside Kandahar City. U.S. military officials have noted that Afghan security forces are dying in insider attacks along with foreign troops, but so far, the Afghan government has not provided statistics on the number killed. (AP Photo/Kevin Frayer, File)

KABUL, Afghanistan (AP) ? An Afghan soldier turned his gun on American troops at a checkpoint in the country's east, killing two Americans and at least two fellow members of Afghanistan's army in a shooting that marked both the continuance of a disturbing trend of insider attacks and the 2,000th U.S. troop death in the long-running war, officials said Sunday.

The string of insider attacks is one of the greatest threats to NATO's mission in the country, endangering a partnership key to training up Afghan security forces and withdrawing international troops.

Saturday's shooting took place at an Afghan army checkpoint just outside a joint U.S.-Afghan base in Wardak province, said Shahidullah Shahid, a provincial government spokesman.

"Initial reports indicate that a misunderstanding happened between Afghan army soldiers and American soldiers," Shahid said. He said investigators had been sent to the site to try to figure out what happened.

An Afghan official speaking on condition of anonymity said three Afghan soldiers were killed in the clash. It was not clear if the assailant was among the dead.

The attack happened about 5 p.m. in Sayd Abad district, Afghan Defense Ministry spokesman Gen. Zahir Azimi said in an emailed statement. He did not provide further details, saying he would wait for a report from investigators.

NATO forces announced the assault early Sunday morning, saying only that it was "suspected insider attack" and that a NATO service member and civilian contractor were killed.

One U.S. official confirmed that the service member killed was American, while another confirmed that the civilian was also American. The officials spoke on condition of anonymity because the nationality of the dead had not yet been formally announced.

Afghan soldiers and policemen ? or militants in their uniforms ? have gunned down more than 50 foreign troops so far this year, eroding the trust between coalition forces and their Afghan partners. An equal number of Afghan policemen and soldiers also died in these attacks, giving them reason as well to be suspicious of possible infiltrators within their ranks.

The attacks are taking a toll on the partnership between international and Afghan forces, prompting the U.S. military to restrict operations with small-sized Afghan units earlier this month.

The close contact ? with coalition forces working side by side with Afghan troops as advisers, mentors and trainers ? is a key part of the U.S. strategy for preparing the Afghans to take the lead in security operations as the U.S. and other nations prepare to pull out their last combat troops at the end of 2014, just 27 months away.

The number of American military dead reflects an Associated Press count of those members of the armed services killed inside Afghanistan since the U.S.-led invasion on Oct. 7, 2001.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-09-30-Afghanistan/id-2a9aa2ab5fc840b9bd118b88695c4d29

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The Long And Short Of Local Website Promotion

Sep 30

SEO Strategy

Local website promotion defines all the techniques a small business website owner has to do in order to acquire the attention of potential customers through strategic internet marketing. This is in connection with the fact that there are efforts to be taken for you to enjoy a promising number of views convertible to sales.

In connection to that, one must be keen in choosing only the practices that can get your business site on top of relevant search results pages. It is obvious that if you want to reach every person in your locality, you must take the efforts to make your domain rank in the local searches and not on the general ones.

Before trying any tactic in local website promotion, you must understand why your website exits and why do people have to see it. The ideas behind these are very simple and yet they are frequently overlooked. It is a perfect medium by which you can make potential clients the nature of your business and what you have to offer. Also, through the help of an online marketing consultant you can guide visitors how to reach coming from their own places. If you want customers in your city or from nearby towns to keep coming in your store, take time to religiously practice the following ideas.

Begin by posting to online classified ads. The likes of this are Adoos, Backpage, Craiglist and Hoobly. They allow you to place an advertisement where you can insert links to your site. Many entrepreneurs who made use of internet for small business marketing can attest to the efficiency of this technique. Local blogs and forums are other places where you can promote your website URL. Simply type your city plus the word ?blogs? in the Google search box. As you hit enter, a long list of local blogs will populate the screen. Take your pick according to what could be relevant to your business. Additionally, look for sites that publish press releases for free. Present your products or services in a different angle when making an online press release. In fact, you can use the news and latest issue in this task so long as they are relevant to your brand.

Another easy way to flaunt your website URL is through the use of the signature feature found in every email program. Signature features automatically ends your emails with your name and position or designation. You can add to these details your website URL. Other tools which you can use to carry your URL are your business call cards. Have it printed right next to your email address. Also, you can get noticed in your local newspaper by writing an in-depth article about your business.

Creativity is crucial in local website promotion both online and offline. For one, you can have custom-made shirts printed with your business name dot com. Get your URL stamped on the signage outside your store door. Hire a mobile advertisement that will display a big tarp advert with your site link. Make it circle around your locality for a day.

Source: http://www.barterforcash.com/the-long-and-short-of-local-website-promotion.html

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Gonzalez wins 21st game, Nats near NL East title

By ROB MAADDI

AP Sports Writer

Associated Press Sports

updated 10:47 p.m. ET Sept. 27, 2012

PHILADELPHIA (AP) - Hoping for a big team celebration soon, Gio Gonzalez checked off a few more individual accomplishments.

Gonzalez became the first 21-game winner in the majors, Michael Morse hit two homers and the Washington Nationals beat the Philadelphia Phillies 7-3 Thursday night to move closer to an NL East title.

Bryce Harper also connected for the playoff-bound Nationals, who reduced their magic number to three. They have a four-game lead over Atlanta with six to play.

"We have to keep fighting," Gonzalez said. "It won't be easy. We just want to do what we've been doing all year."

Gonzalez (21-8) settled down after a shaky start and lasted six innings, allowing three runs and six hits. He's the first NL lefty to win more than 20 games since Dontrelle Willis won 22 for the Florida Marlins in 2005. His 21 wins are a franchise best and the most by a pitcher in the nation's capital since Bob Porterfield had 22 for the Washington Senators in 1953.

Gonzalez and Mets knuckleballer R.A. Dickey (20-6) are considered the leading candidates for the NL Cy Young Award.

The Phillies closed out their home schedule with a loss that left them on the brink of postseason elimination. They trail St. Louis by six games for the second wild-card spot with six games remaining. They finished 40-41 at home, their first losing record at 9-year-old Citizens Bank Park.

"We competed. We never gave up when people never thought we'd even be mentioned for a playoff spot," slugger Ryan Howard said.

The Nationals already are the first major league team in D.C. to reach the postseason in 79 years. They're looking for their first division crown since moving to Washington and the second in franchise history. The Montreal Expos won the NL East in 1981, a strike-shortened season.

"We've got three more we've got to win," manager Davey Johnson said.

Tyler Cloyd (2-2) got roughed up by an offense that feasted on his straight fastballs. Cloyd, who was 15-1 in the minors this season, allowed six runs and six hits in five-plus innings.

Cloyd walked Danny Espinosa to start the fifth and Jayson Werth with two outs. Harper then hit a soft liner to left for a single, scoring Espinosa for a 4-3 lead.

Morse crushed a two-run shot to right-center to give the Nationals a 6-3 lead in the sixth. The ball sailed over Philadelphia's bullpen and landed in front of Washington's relievers, traveling an estimated 448 feet.

"It felt real good coming off the bat," Morse said. "It's been a tough year for me, but the team's played great and everybody has been picking up for everybody."

Harper ripped one out to right-center to give the Nationals a 1-0 lead in the first. He also homered in his first at-bat Wednesday to become the second teenager to hit 20 homers, joining Tony Conigliaro.

Darin Ruf lined a three-run double over Harper's head to put the Phillies up 3-1 in the first.

"I was a little bit out of whack," Gonzalez said about walking two batters in front of Ruf. "I was like a split personality out there, talking to myself trying to figure it out. I really wanted to make a quality start."

Ruf earned the nickname "Babe" by leading all minor leaguers with 38 homers this season, breaking Howard's single-season record at Double-A Reading. He hit his first homer Tuesday in his third at-bat and first start.

Morse connected in the second to cut it to 3-2.

The Phillies acquired Gonzalez from the Chicago White Sox along with Aaron Rowand and another minor leaguer in 2005. They traded him back to the White Sox with Gavin Floyd for Freddy Garcia in 2006 in what turned out to be the worst trade by Hall of Famer Pat Gillick in his three years as Phillies general manager.

Gonzalez has won at least 15 games three straight years and is a two-time All-Star. Floyd has won double-digit games five consecutive seasons. Garcia won one game for Philadelphia.

NOTES: Ross Grimsley was the only other pitcher in Nationals/Expos history to win 20 games. He did it in 1978. ... Morse became the sixth player to hit 15 homers for the Nationals, most in franchise history. It was his second multihomer game of the season and fifth of his career. ... Harper is three homers shy of matching Conigliaro, who hit 24 for the Boston Red Sox in 1964. ... The Phillies lead the majors in attendance at 3,565,718. ... Cliff Lee (6-8) faces Mark Buehrle (13-13) when the Phillies start a three-game series at Miami on Friday night. ... Edwin Jackson (9-10) tries to become the fifth Washington starter to win 10 games when the Nationals visit St. Louis on Friday.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Gonzalez wins 21st game, Nats near NL East title

PHILADELPHIA (AP) - Gio Gonzalez became the first 21-game winner in the majors, Michael Morse hit two homers and the Washington Nationals beat the Philadelphia Phillies 7-3 Thursday night to move closer to an NL East title.

Source: http://nbcsports.msnbc.com/id/49205687/ns/sports-baseball/

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Smart Forstars concept EV brings drive-in theater to a wall near you (video)

Auto show concept cars are all whizzy styling and impractical interiors, and Smart's latest offering, the Forstars EV at the Paris Auto Show, has all that in spades. But the stubby car has another show-stopping feature we'd love to see in production -- a projector installed right into the vehicle's grill. That would let you and a special friend pull the two-seater up to any white wall and beam the flick of your choice from an iPhone's bluetooth port, while blasting the audio through the sound system. Other friends not in the Forstars' confines would also get the sound from speakers located in the ventilation grills behind the doors. Once rolling, the concept Smart moves along with an 80 horsepower electric motor and 17.6 kWh battery, boasting 127 lb/ft of torque and an 80MPH top speed. Since the car's currently a one-off, don't get any ideas about heading to Lookout Point with a screen in tow -- but you can head to the video after the break to see how it works.

Gallery: Smart forstar concept EV

Gallery: Smart forstars EV concept press images

Continue reading Smart Forstars concept EV brings drive-in theater to a wall near you (video)

Filed under: Displays, Transportation

Smart Forstars concept EV brings drive-in theater to a wall near you (video) originally appeared on Engadget on Fri, 28 Sep 2012 08:46:00 EDT. Please see our terms for use of feeds.

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Jobs of the week ? work for Gidsy, Sociomantic, Sofatutor, Monoqi

Berlin ? spiritual home of trance music and U-Bahn stations that range from the beautiful to the brutal. This week cult Berlin band Trike demonstrate how you can merge the two Berlin mainstays by dancing to trance? in U-Bahn stations.

But sparkly trousers and facepaint won?t buy themsleves ? best to get yourself a startup job in one of the coolest companies in the city to fund your newfound love. Read on for the hottest jobs in Berlin this week. And keep dancing?

Gisdy is looking for an Operations & Growth Manager

We?re growing fast and have built up a great team at Gidsy. Since our launch, we have learned a lot. We?re proud about what we have built, and are excited about where we are going. Finding great organisers and making them successful has always been an important goal for us. This task has become a full-time job, and we?re looking for someone awesome to fill this position.

The person we?re looking for will play a very important role in Gidsy. Your main tasks will be to focus coming up with new ideas to attract, maintain and help organisers. You will work closely together with the CEO, community team and product team to execute these ideas and ship great things. You?ll be given freedom, responsibility and the resources to fail, learn and grow.

About you:

• Someone with experience in direct and online marketing (preferably 3+ years)
• Data-driven, and has experience with funnels, goals and A/B Testing
• Able to manage the overall performance analysis of existing programs
• Someone who can identify and articulate reporting requirements, which includes targets, specific data, and anticipated outcomes
• Someone who has the ability to inspire, motivate and support people
• Very goal-driven, and not afraid to raise the bar on KPIs all the time
• Experienced with building up and managing a team
• Extremely well organised and highly independent
• Fluent in English with a lust for traveling
• Experienced with the travel industry or a similar industry
• An ideas person who can execute projects independently
• A person who?s been part of a fast growing team
• Ambitious, and uses the word ?we? a lot more often than ?I?

How to apply ? click here to submit your application

?

Sociomantic Labs is looking for a Sales Manager

About the role:

• Identify and evaluate advertisers with potential to?benefit from Sociomantic?s solutions
• Lead from-the-front hunting in a competitive?marketplace, targeting highest value new business and?delivering it into the Sales Pipeline
• Draw up and execute formal offers and contracts?(manage product mix, pricing and margins according to?agreed aims)
• Report on the status of sales processes with regards?to both existing and potential customers on a regular?bases
• Plan and prioritise personal sales activities and?customer/prospect contact towards achieving agreed?business aims, including costs and sales ? especially?managing personal time and productivity.
• Maintain and develop existing and new customers?through appropriate propositions and ethical sales?methods, and relevant internal liaison, to optimize?quality of service, business growth (cross- and?upselling opportunities), and customer and?satisfaction
• Attend and present at external customer meetings and?internal meetings with other company functions?necessary to perform duties and aid business?development
• Plan and manage personal business?portfolio/territory/business according to an agreed?market development strategy.
• Participation in industry trade events and other?marketing initiatives
• Attend training to develop sales knowledge,?techniques and skills

About your experience:

• 3-5 years? experience in Sales Management/Account Management (ideally in display advertising or performance marketing sectors)
• Strong understanding of the online media and marketing industry
• Degree in business, economics, marketing, communication or similar, or equivalent business experience
• Extensive business network and solid references
• Fluency and strong communication skills in both written and spoken German and English, German mother tongue (preferred)
• Other languages beneficial
• Strong interpersonal communication and presentation skills
• Excellent negotiation skills with a proven track record of sales success
• Ability to ?translate? complex technology processes into meaningful solutions that address business needs

About you:

• You have a willingness to travel and work in a global team of professionals
• You have an international mindset with a excitement to meet challenges head-on
• You are a friendly, trustworthy and reliable personality, with ability to work with teams across departments and markets
• You thrive on outperforming expectations
• You want to be part of one of the fastest growing technology start-ups
• You are driven by curiosity and innovation

About the offer:

• Full-time employment in Berlin, Germany
• Competitive compensation and incentive plan, based on your experience and expertise
• Access to a high-profile professional network of international companies
• Personal development and training of your skills and talents
• Chance to work and learn in one of the fastest growing sectors in online advertising
• Business trips across sociomantic?s target markets within the European region
• An outstanding company spirit driven by the best people from around the world

Read more about sociomantic labs GmbH and send your application to careers@sociomantic.com

About us:
Sociomantic Labs is working at the cutting edge of international online marketing. As one of the fastest-growing technology startups, we pride ourselves on providing a challenging, engaging, and dynamic work environment to great minds assembled from around the globe.

Our proprietary ?real-time bidding? (RTB) technology enables the world?s top advertisers to run highly efficient display advertising campaigns. We are driven by a constant curiosity about new technologies, our commitment to research and innovation, and our dedication to customer success.

As an industry leader worldwide, we are striving for excellence in every aspect of our business in order to turn the existing market upside-down. We thrive on outperforming expectations, and we are looking for new team members to help us pioneer the industry?s most advanced online advertising solutions.
Think you?re a perfect fit for our team? We?d love to hear from you.

?

Sofatutor is looking for a Product Manager

You?re a strategist and love your gameplan. You always have a clear roadmap laid out. You posses a variety of talents: you?re tech-savvy, analytical and have unlimited creativity. But most of all, you have your finger on the pulse of new trends and internet technologies. This has put you at the top of your game on time and again. You know communication is your key to success. You love creating new features, developing innovative concepts and want to drive exciting projects to completion. Become part of our team as Product Manager!

About the role:

• Operate as interface for the development of new and innovative product ideas
• Responsible for the planning and execution of projects, incorporating web design, usability, front end and back end development
• Collaborate with technical and design teams to develop new concepts for our online platform, website functionality and features
• Usability testing and site optimisation in line with usability and conversion guidelines
• Tracking and funnel optimization

About your experience:

• Very strong analytic and conceptual thinking
• Passion for latest developments of web technology
• Knowledge of website design, interface design and UI testing
• Wireframing-skills
• Strong interest in marketing and content (learning processes, education, didactics)
• Fluent in English, both written and spoken (basic German is a plus)
• Solid technical understanding, knowledge how to code and use HTML/CSS/Javascript desirable

About the offer:

• Full-time job as part of a highly motivated, fun team
• Inspiring work environment, with creative freedom promoting self-direction
• Challenging tasks
• Opportunity to shape the development of an innovative and exciting product in the educational sector
• Great sense of teamwork, flat hierarchies and transparent work processes

Read more about sofatutor GmbH and send your application to jobs@sofatutor.com

About us:
Based in Berlin, sofatutor.com is an innovative educational video platform with thousands of expert-approved educational and interactive videos. These high-quality, easy-to-understand videos and modules provide concise learning content for school and university students and form the basis for a perfect private learning experience online.?The videos are followed by a short test to evaluate the learning process. Students also receive support and interact with teachers one-on-one using our live-chat function.

?

MONOQI is looking for a Product Manager

About the role:
Full engagement and ownership of product from inception to close; including being the intermediary between all stakeholders. Working closely with design and development team to define, implement and test product functionalities.

This includes:

• Monitoring overall product performance closely together with Web Analysts
• Initiate and evaluate A/B tests on a regular basis
• Interact with key partners to determine business requirements
• Continuously analyse customer processes and requirements
• Conceptualising new features on wireframe level and re-iterate closely together with Business, Design and IT
• Managing process and production
• Gather and maintain functional and technical documentation for multiple products
• Initiate and conduct usability research (UX studies, site surveys, competitive research etc)

About you:

• You have a strong knowledge and understanding of User Experience Design practice and principles
• You are able to communicate strategy and ideas?clearly?and guide designers through the creation of mock ups, prototypes or just wireframes
• You have good analytical skills and an understanding of business needs
• You are a team player, with the necessary experience to work both as a product owner and project manager
• You have previously lead a team to bring projects to life
• Experience with Scrum would be ideal
• Basic programming skills are a plus (HTML5, CSS3, JS)

Qualifications:

• 4+ years of experience as an online product manager or UX designer
• Fluent in English, both verbal and written (German is not required)

Read more about MONOQI and send your application to hello@monoqi.com?

About us:
MONOQI discovers and curates the best in international design, giving its member the chance to buy exceptional products in limited editions at friendship prices.The special deals we offer are possible because we know and admire the designers whose work we present to you. The advantages this entails are passed directly and exclusively onto MONOQI members.

We love amazing design and we want to share our passion with as many people as possible.We are a young international team based in Berlin with a big vision: online shopping should be fun and so should our jobs! If you want to work in a dynamic environment where new and exciting things happen every day, this place is for you!

?

Klarna is looking for a Marketing Coordinator to Cologne, Germany (m/f)

Klarna?s Marketing department promotes the Klarna brand globally, spreading our vision of making the world buyable. As a local Marketing Coordinator you are a vital part of our B2B Marketing team, focusing on the communication towards Klarna?s existing merchants and merchant prospects in Germany.

You work closely with Klarna?s Sales department but are member of the international Marketing team, with core functions at our headquarter in Stockholm. In your role you are the local expert in the team, providing strategic recommendations to the B2B manager and assisting all B2B Marketing functions in executing on local Marketing activities.

You network with Klarna?s most important local Marketing partners, localize Marketing materials and ensure that we communicate in an optimal way through all of our channels by knowing and understanding our merchant target group in Germany like none else in the team.

Since you are the first local Marketing team member in Germany, you are dedicated to help creating local structures to support Klarna?s global Marketing organization. Furthermore, you are a highly ambitious colleague who is committed to the task of making Klarna?s market offering an outstanding success in your home market.

About you:

• An university degree in Business Administration, Marketing or other relevant field
• First job experience in a Sales or Marketing role
• Native proficiency in German as well as proficiency in English (both oral and written)
• Excellent skills in writing and creating content in German to be communicated to all of Klarna?s Marketing channels
• A positive, problem-solving and can-do attitude
• A proven ability to summarize complex issues and providing well calibrated recommendations
• Rapid learning capacity to ability to work effectively and cross-functionally in a fast-pacing environment
• Experience in E-Commerce or other digital environments a plus

You want to:

• ? work at one of Sweden?s fastest growing companies where only you set the limits.
• ? be given the opportunity to influence a rapidly growing organization in an international market.
• ? have a workplace filled with the energy, entrepreneurial spirit and job satisfaction.

We want:

? you to invest in us as much as we invest in you. You should not work for Klarna, you will work with Klarna.

Apply for position

Send your resume, cover letter and your grades to us (henny.tesch@klarna.com)?as soon as possible. Gather your attachments in one PDF. Selection and interviews will be held continuously.

About us:

The year was 2005 and e-commerce had long been precarious. With an idea to offer secure and simple payment solutions, Klarna was founded that same year. Six years have passed and we have grown to an ambitious and creative company of 700 employees. We have been awarded Company of the Year in -07 (bragging), increased our turnover by 13.570% (statistics) and managed to become the Nordic market leader (facts).

Klarna is partly owned by Sequoia Capital, DST Global and General Atlantic ? companies that have seen the same potential in Google, Facebook and Twitter as they do in us. We think that is a good start.

Employers ? get the best international candidates for your company

If you?re interested in posting your latest job listings here, please send an email to?felix@venturevillage.eu

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'Won't Back Down' movie review: Education drama is the latest to ...

Viola Davis, left, and Maggie Gyllenhaal star in the education drama 'Won't Back Down.' (Photo by Twentieth Century Fox)

Midway through the movie "Won't Back Down," a beleaguered official in the teachers union turns to her boss in exasperated wonder. "When," she asks, "did Norma Rae become the bad guy?"

Maybe it's time that woman read something besides The Nation.

Unions have been growing in infamy in some Americans' eyes for years (even as they've been shrinking in membership). And no group has come under stronger attack than the teachers unions. "Won't Back Down" isn't likely to give them any cover.

Set in Pittsburgh, the film is built around a version of the so-called "trigger law" in which, if a majority of parents agree, a failing school can be taken over, revamped, restaffed or even turned into a charter school.

And, in the movie, single mother Maggie Gyllenhaal and frustrated teacher Viola Davis do just that, wresting a crumbling edifice away from a corrupt principal and a few do-nothing teachers.

The movie already has come under scrutiny from some teachers groups who have called the film slanted. They're right.

In the script, the union boss is a hissable villain, the only truly pro-union teacher a lazy joke, socio-economic factors dismissed and Occupy Wall Street put down as something only complainers who aren't "working two jobs" have time for.

It also, by the way, fictionalizes the "trigger law," first adopted in California, as something that teachers have to sign on to, too. In fact, there is no such requirement (although that rewrite allows the script to pretend this is a broad-based, unifying revolt).

So, yes, the movie has a conservative point of view. Just as many, many more Hollywood films -- with their reflexive distrust of big business and dislike of religious orthodoxy -- have a liberal one. Almost every movie, consciously or not, reflects the hopes and assumptions of the people making them.

The real question is, ultimately, are the movies art -- in which there's room for conflicting ideas and three-dimensional characters? Or are they propaganda, in which thoughts are reduced to slogans, and people to a simple image that can be printed on a poster?

And that's where "Won't Back Down" falls short.

Every school board member here is a fat cat; every union official a self-interested sneak; every parent a responsible, salt-of-the-earth, blue-collar worker; every child willing to learn. Real-life factors in education -- such as drugs or crime or abusive homes -- don't count at all.

The supporting characters are all cardboard cut-outs and clich?s; Oscar Isaac, who plays a dedicated teacher (and a rather forced love interest for Gyllenhaal), isn't a man but a type, meant to represent na?ve young idealists who only think they're pro-union.

Davis, who has never put a foot wrong on stage or on screen, invests an awful lot of drama in her thinly drawn character, and Gyllenhaal is almost impossibly charming as the plucky single mom, fighting for respect even as she sees people smirking at her malapropisms and ill-fitting clothes. Even when the details of their lives feel unbelievable, these actresses compel our faith and keep us watching.

And even when the film works too hard to tell us how to feel with overdone music and cartoon characters, there are some powerful moments here, from the images of failing children to those of frustrated parents.

But "Won't Back Down" is propaganda, nonetheless. And while so was "Norma Rae," at least that story was a movie first -- and a call to arms only second.

Note: Newhouse News Service movie critic Stephen Whitty wrote this review.

___________

WON'T BACK DOWN
2 stars, out of 5

Snapshot: A drama, based on real events, about a frustrated teacher and a dedicated parent who join forces to turn around a failing school.

What works: Viola Davis, as always, turns in a strong performance, and Maggie Gyllenhaal, as always, is impossibly charming.

What doesn't: The film's pro-charter, anti-union agenda is, at times, so obvious that the insistently didactic moments only undercut the more interesting dramatic ones.

Starring: Gyllenhaal, Davis, Holly Hunter, Rosie Perez. Director: Daniel Barnz. Rating: PG, for thematic elements and language. Running time: 2 hours. Where: Find New Orleans showtimes.

Source: http://www.nola.com/movies/index.ssf/2012/09/wont_back_down_movie_review_ed.html

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RBS prices ?463m Isobel Finance today and places ?290m | CoStar ...

Royal Bank of Scotland has priced and placed ?290m of the outstanding ?463m Project Isobel debt this afternoon in the first European securitisation of a loan secured by a commercial property loan portfolio in almost six years.

RBS has securitised the outstanding balance of the original ?553m four-year loan extended to the special purpose vehicle which owns the underlying 37 commercial property balance sheet loans, which remains owned 75% by RBS and 25% by Blackstone.

The three-class Isobel Finance transaction comprises:

• Class As: AAAs ? ?230m, with a weighted-average life of 1.48 years, paying a coupon of 255 basis points over three-month LIBOR;
• Class Bs: AAs ? ?60m, with a weighted-average life of 1.79 years, paying a coupon of 425bps over three-month LIBOR;
• Class Cs: BBB+ ? ?173m, with a weighted-average life of 1.88 years, paying a coupon of 450bps over three-month LIBOR.

Standard & Poor?s was the sole rating agency, while RBS acted as sole bookrunner and lead arranger.

The legal final maturity of Isobel Finance is 17 October 2038, an estimated six year tail-period following the longest of the underlying Project Isobel?s 25-year dated interest rate swaps.

RBS placed all the AAAs and AAs and, except for the 5% retention requirements under European Commission?s Capital Requirements Directive (CRD) regulations, with a small number of traditional CMBS bond buyers, dubbed ?real money investors?.

Separately, RBS today has listed ?340.9m in junior notes on the Channel Islands this afternoon, which is essentially RBS and Blackstone?s joint equity holding in the form of tradeable junior notes.

This puts Blackstone?s original equity at ?85.225m, while RBS? equity was ?255.675m.

In addition to the ?553m four-year senior loan, priced at 450 bps over three-month LIBOR with a one-year extension option, puts the original discount agreed for the Project Isobel loan portfolio at 34.3%, based on a price of ?893.9m against a nominal of ?1.36bn, according to CoStar News calculations.

The original LTV of RBS? loan-on-loan financing was 61.8%.

Together with the unplaced ?173m BBB+-rated class Cs, RBS has now structured the equity and debt capital stack providing the bank with flexibility to trade either the unmarketed bonds or divest some of its 75% equity stake.

RBS has no current plans to sell either but considers these options to be strategically useful for the remaining working out of the underlying loan and real estate portfolio.

Prior to the final closing of Project Isobel with Blackstone in December last year, RBS decided not to take-up third party financing because the bank believed that the 550 basis points quoted margins was disproportionately high pricing for such an ultimately fast-amortising loan.

Lloyds Banking Group?s Projects Royal and Harrogate, traded to Lone Star and Oaktree Capital Management respectively, are both financed by short-term loans priced around 600 bps over three month LIBOR. ?Oaktree?s JPMorgan loan for Harrogate is thought to be less than 18 months.

The ?553m provided in stapled financing was priced at around 100 bps lower by RBS than could be achieved externally, with this lower cost of capital enabling superior returns to both itself and Blackstone.

It remains to be seen whether RBS? successful placing of ?290m worth of bonds secured by the Project Isobel sub and non-performing loan portfolio encourages a wider adoption of NPL securitisations in Europe, given an apparent trade-off between the lower cost of capital achieved with the time taken to close the partial capital markets exit.

The last securitisation of an NPL was Bluebonnet Finance in December 2006, which was of a ?2.8bn portfolio of former Hypo Real Estate German commercial and multifamily loans bought buy Lone Star?s Fund V in November 2004 with acquisition finance from Citigroup.

jwallace@costar.co.uk

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Source: http://costarfinance.wordpress.com/2012/09/28/rbs-prices-463m-isobel-finance-today-and-places-290m/

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Get More Out of Your Fish Tank with... | MyReviewsNow

Study after study has shown that pets help reduce their owners? level of stress and can make a home a more enjoyable place to be. Of course, there are some people who don?t have cats or dogs because they are allergic, don?t have the time to dedicate to them, or simply don?t prefer them. For these individuals, fish tanks or aquariums are an excellent alternative because they not only have the same calming effect on the people around them, they also add a beautiful conversation piece to virtually any room in a home.

Of course, keeping an aquarium in tip top shape requires a person to take the necessary steps to make sure that the water is clean and clear and that the fish are happy and healthy. When it comes to choosing the right products for an aquarium, the simple truth is that most employees at the local pet store simply don?t have the experience or education necessary to make good suggestions. It?s not that these individuals don?t care about your fish, they simply don?t have the knowledge necessary to help you keep your fish happy and healthy for the long-term.

When it comes to choosing the right accessories, treatments, or additions for your aquarium, you need to rely on experts who know exactly what is best for your particular type of fish. Just like people, every fish is different and purchasing the wrong product can have a devastating effect on the health of your pet.

Aquariums Direct not only provides you with expert recommendations, they also have some of the top brands and products available at prices that are much lower than you would expect to pay if you purchase them from your neighborhood pet store.

Anyone that has an aquarium full of happy, healthy fish can tell you that they are more than just beautiful additions to a home. fish learn to recognize their owner and can anticipate feeding time and greet you when you walk through the door. While they may not be able to cuddle up in your lap like a dog or a cat, they do have personality and deserve the very best that you can provide for them.

Keeping your aquarium in good condition is not only good for your fish, but it can also make your home a brighter, more pleasant place to spend some time. Before you purchase your next aquarium or accessories, check out Aquariums Direct for the best products, advice, and prices.

Find all of your aquarium equipment at www.myreviewsnow.net/.

This entry was posted on Thursday, September 27th, 2012 at 7:42 pm and is filed under Pets Care.

Source: http://www.myreviewsnow.net/blog/index.php/get-more-out-of-your-fish-tank-with-aquariums-direct-4735

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Knee replacements soar among US older folks

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Source: http://news.yahoo.com/knee-replacements-soar-among-us-older-folks-145438921.html

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Daughter of Bahrain opposition leader sentenced

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Ravens Crowd Calls "Bullsh!t" on Refs; NBC Airs Entire Thing

Source: http://www.thehollywoodgossip.com/2012/09/ravens-crowd-calls-bullsh-t-on-refs-nbc-airs-entire-thing/

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Data Visualization: Trudging through digital road to new scientific discovery

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7 Hot Home Improvement Trends that Make Your Home Work for ...

Home improvement trends embrace energy efficiency, low maintenance exteriors, and double-duty space.

Trend #1: Maintenance-free siding

We continue to choose maintenance-free siding that lives as long as we do, but with a lot less upkeep. But more and more we?re opting for fiber-cement siding, one of the fastest-growing segments of the siding market. It?s a combination of cement, sand, and cellulosic fibers that looks like wood but won?t rot, combust, or succumb to termites and other wood-boring insects.

At $5 to $9 per sq. ft., installed, fiber-cement siding is more expensive than paint-grade wood, vinyl, and aluminum siding. It returns 78% of investment, the highest return of any upscale project on Remodeling magazine?s latest Cost vs. Value Report.

Maintenance is limited to a cleaning and some caulking each spring. Repaint every 7 to 15 years. Wood requires repainting every 4 to 7 years.

Trend #2: Convertible spaces

Forget ?museum rooms? we use twice a year (dining rooms and living rooms) and embrace convertible spaces that change with our whims.

Foldaway walls turn a private study into an easy-flow party space. Walls can consist of fancy, glass panels ($600 to $1,600 per linear ft., depending on the system); or they can be simple vinyl-covered accordions? ($1,230 for 7 ft. by 10 ft.). PortablePartions.com sells walls on wheels ($775 for approximately 7 ft. by 7 ft.).

A Murphy bed pulls down from an armoire-looking wall unit and turns any room into a guest room. Prices, including installation and cabinetry, range from $2,000 (twin with main cabinet) to more than $5,000 (California king with main and side units). Just search online for sellers.

And don?t forget area rugs that easily define, and redefine, open spaces.

Trend #3: A laundry room of your own

Humankind advanced when the laundry room arose from the basement to a louvered closet on the second floor where clothes live. Now, we?re taking another step forward by granting washday a room of its own.

If you?re thinking of remodeling, turn a mudroom or extra bedroom into a dedicated laundry room big enough to house the washer and dryer, hang hand-washables, and store bulk boxes of detergent.

Look for spaces that already have plumbing hookups or are adjacent to rooms with running water to save on plumbing costs.

Trend #4: Souped-up kitchens

Although houses are trending smaller, kitchens are getting bigger, according to the American Institute of Architects? Home Design Trends Survey.

Kitchen remodels open the space, perhaps incorporating lonely dining rooms, and feature recycling centers, large pantries, and recharging stations.

Oversized and high-priced commercial appliances?did we ever fire up six burners at once??are yielding to family-sized, mid-range models that recover at least one cabinet for storage.

Since the entire family now helps prepare dinner (in your dreams), double prep sinks have evolved into dual-prep islands with lots of counter space and pull-out drawers.

Trend #5: Energy diets

We?re wrestling with an energy disorder: We?re binging on electronics?cell phones, iPads, Blackberries, laptops?then crash dieting by installing LED fixtures and turning the thermostat to 68 degrees.

Are we ahead of the energy game? Only the energy monitors and meters know for sure.

These new tracking devices can gauge electricity usage of individual electronics ($20 to $30) or monitor whole house energy ($100 to $250). The TED 5000 Energy Monitor ($240) supplies real-time feedback that you can view remotely and graph by the second, minute, hour, day, and month.

Trend #6: Love that storage

As we bow to the new god of declutter, storage has become the holy grail.

We?re not talking about more baskets we can trip over in the night; we?re imagining and discovering built-in storage in unlikely spaces?under stairs, over doors, beneath floors.

Under-appreciated nooks that once displayed antique desks are growing into built-ins for books and collections. Slap on some doors, and you can hide office supplies and buckets of Legos.

Giant master suites, with floor space to land a 747, are being divided to conquer clutter with more walk-in closets.

Trend #7: Home offices come out of the closet

Flexible work schedules, mobile communications, and entrepreneurial zeal are relocating us from the office downtown to home.

Laptops and wireless connections let us telecommute from anywhere in the house, but we still want a dedicated space (preferably with a door) for files, supplies, and printers.

Spare bedrooms are becoming home offices and family room niches are morphing into working nooks. After a weekend of de-cluttering, basements and attics are reborn as work centers.

By: Lisa Kaplan Gordon

Published: May 13, 2011

Source: http://www.capecodrealestateservices.com/blog/7-hot-home-improvement-trends-that-make-your-home-work-for-you

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Internet Marketing Rules Blog: Bridging The Gap Between Youtube ...

Are you frustrated by the lack of Youtube views that you are getting? If so, then I know how you feel. I would upload video after video trying to make up the deficit from my ?low viewing? videos, but I realized that I would need to use brute force with producing alot of videos if I wanted to reach a view count of around 1,000 visits per day.

But using Youtube along isn?t recommended. This is similar to the Ebay concept. Many people think that they can earn over $10,000 a month on Ebay by simply listing their auctions within Ebay itself. But the Titanium Powersellers (and 5-star Top Rated Sellers) will tell you that if you want to maximize your Ebay sales, you have to drive targeted traffic to your auctions.

Now sure you can earn a nice income using only the Ebay auctions alone, but once you incorporate external marketing into the mix, expect your business to BOOM! And similarly, the same thing goes with Youtube. The more external traffic sources that you can send to your videos the better. And it?s even better if these external visits came from you automatically - without any intervention. One way this is done is via email marketing and listing your Youtube channel page in your email signature.

So Youtube can become incredibly profitable for you. It can drive alot of hits to your website for free, and you can become a sensation and expert in your niche simply and easily. This is similar to article marketing, but has a much more profound effect on your sales and profits.

People like dealing with real individuals, but if you?re shy in front of a camera, you don?t have to limit yourself to having yourself in front of a camera. You can record videos based on things that you do on your computer. This is called a ?screencast?, and you can use a tool such as ?Camtasia? or ?Camstudio? (free) to do so.

It will take about 30 minutes to find out how to use both of these software, but once you learn how to do them and produce videos with them, you can crank out brand new videos like clockwork. So developing and creating your videos aren?t hard at all. They just have to be original, fresh, and exciting to watch and listen to.

I enjoy Youtube and I use it both for marketing my business and for enjoying the videos on there. And I subscribe to many channels, because there are alot of things that interest me on there. But primarily, I use it for marketing and promoting my online business. And you can do the same - even if you?re a newbie.

Youtube is a great way to expand and boost your business for free, and it can help you to build your brand. Always make sure you leave your website information at the bottom of your video so that people know where to go to get more information or content from you. Also, you will want to include your link in the description area of your video? it will turn into a clickable link - thereby preventing your viewer to go through another ?hoop? just to reach your website.

Be sure to take these Youtube marketing tips and use them to have the kind of success that you are looking for in your business.

Good luck with using these tips in your online business today.

For more internet marketing secrets, simply visit the website below:
http://www.internetmarketing-rules.com/internetmarketing.html

Source: http://blog.internetmarketing-rules.com/2012/09/bridging-gap-between-youtube-and-profits.html

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Meerut an affordable real estate destination | Magicbricks.com ...

Delhi/NCR

Infrastructure development in Meerut is currently going through a boom phase and the people here have many reasons to cheer. Today, Meerut has shaped up as an ideal destination for affordable residential realty, as real estate prices in the NCR have gone beyond the reach of the mid- and the lower-middle class buyers. Thousands of people commute for work to Delhi, and vice versa, every day on the NH-58.

Real estate development

Real estate in Meerut is riding on the crest of demand, boosted by large availability of land at low prices. The market trends are upbeat with the presence of prominent builders like Ansal API, Supertech, MSX Developers, Era Group, Majestic Properties, DLF, and Omaxe. With these leading construction companies eager to buy land and build mega projects, property prices in Meerut have seen a tremendous appreciation, quoting at almost three times the prices a couple of years ago.

There is a great demand for quality accommodation units on the outskirts of Meerut, which have excellent infrastructure facilities, sound planning as well as top-grade security. The most sought-after location is along the Meerut Bypass. Also, the Hapur Road and the Cantonment Road are gaining prominence as ideal destinations for property investments and are attracting large developments. Of late, commercial and residential complexes are also coming up on Mawana Road and Modipuram on the Muzaffarnagar Highway.

Property scene

Ansal API has Ansal Housing, a residential township, Era Group has two residential projects and a shopping mall, Supertech Group is coming up with three projects, Sports City, Shopprix and Palm Greens. There are many other builders moving towards Meerut like Saamag Group with residential project like Saga Habitat, Ark City, Coral Springs, while Gayatri Group is developing residential projects.

Supertech?s Sports City, over 51 acres, is strategically located on the national highway (Roorkee Road) near Pallavpuram. The project is close to the main town, yet it accords buyers the pleasure of residing in lap of nature. This project has a distinctive design that unifies modern architecture with sports facilities; it has a beautifully designed highrise tower and superb villas along with a full-size cricket stadium, a boating lake and putting greens. A 200-bed hospital and an Iskcon temple are also in the works.

?With a number of domestic and foreign players, across industrial sectors, shifting their base to Tier II cities, the demand for space here is very high. We have planned to develop a signature township, Sushant City, over 300 acres. It will offer an array of options like built-up houses, independent floors, bungalows and villas. The township will cater to the housing requirements of more than 5,000 families,? Pranav Ansal, the vice-chairman of Ansal API, says.

R K Arora, the chairman and managing director of Supertech Group, says: ?The price of residential property here varies between Rs 2,350 per sq metre and Rs 16,500 per sq metre, depending on the location. ?Earlier, property prices in Gurgaon and Noida were going through the roof, which drove property buyers to cheaper destinations in the NCR. Today, the property market of Meerut, too, is showing a similar trend. But even after all the appreciation, Meerut is still an affordable destination and for people who cannot afford to buy an apartment in Delhi and yet wish to remain near the city, this town offers cost-effective options.?
Manoj Gaur, the managing director of Gaursons Ltd, says: ?Meerut is a fast-developing city and an ideal destination for the middle-class people who cannot afford the prices at other NCR cities like Noida, Gurgaon, and Ghaziabad. Builders are making a beeline for this place as it has vast tracts of land allocated to urbanization, and it is only 70km from Delhi.?

Connectivity

The congestion on NH-58, which passes through Ghaziabad, Muradnagar and Modinagar, made commuting to Delhi long and uncomfortable. But, with the 64km Delhi-Meerut Expressway slated for completion in 2015, this may be a thing of the past. The Delhi-Meerut drive is expected to be cut down to only 45 minutes, and, naturally, this would send property prices through the roof.

A Meerut Development Authority spokesperson says: ?The expressway will be an access-controlled highway with no traffic signals and crossings. Besides, all slow-moving traffic including two-wheelers and three-wheelers would not be allowed on the expressway. The other major development is the high-speed rail link ? a Rapid Rail Transit System (RRTS) is in the works, which would speed up the journey from Delhi (Anand Vihar) to Meerut (Begumpul).?

Also, the MDA has plans for an elevated railway track aligned to the expressway route. The proposed 67km track is estimated to cost Rs 1,040 crore, while the Delhi-Meerut Expressway is estimated to cost Rs 4,500. This will be a major relief to 1.31 lakh passenger cars plying between Delhi and the Ghaziabad border. The first 8km of the expressway, from Nizamuddin Bridge to Ghaziabad border, will have 16 lanes. The expressway will cover 28km of NH-24 between Ghaziabad border and Dasna and this stretch would be widened to 14 lanes from the present six lanes. Also, a 36km stretch between Dasna and Meerut would be constructed as a four-lane highway.

The tender of this project has been given to Delhi Integrated Multimodal Transport System (DIMTS) by the NCR planning board. Stations for this project are likely to be constructed at intervals of 4-5km. Anand Vihar, Vaishali, Mohan Nagar, Meerut Road (Airtel Cut) Morta, Duhai, Muradnagar, Gang Nahar, Modi Nagar, Mohiuddinpur, Meerut Bypass Cut and Pallavpuram are the proposed halts of RRTS.

An underground track will be laid from Anand Vihar to Dabur, due to the Metro project, and then run on elevated track up to Meerut. The consultant company has designed the entire project in a manner that there is no need to acquire or demolish any existing property, a spokesperson of MDA said.

Source: Times Property, The Times of India, Delhi/NCR

Source: http://content.magicbricks.com/meerut-an-affordable-real-estate-destination

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Kentucky VA mortgage rates - Kentucky VA Mortgage Home Lender

Kentucky VA mortgage rates

?(Current FHA/VA KHC Rates) Kentucky today

???NMLS#57916

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15 Year Fixed Conventional ? ? ? ? ? ? ? ? 2.875% ? ? ? ? ? ? ? ?3.184% apr
30 Year Fixed Conventional ? ? ? ? ? ? ? ? 3.500% ? ? ? ? ? ? ? ?4.197% apr
30 Year Fixed FHA ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 3.250% ? ? ? ? ? ? ? ?4.631% apr
30 Year Fixed? USDA ? ? ? ? ? ? ? ? ? ? ? ? ? ? 3.250% ? ? ? ? ? ? ? ?4.357% apr
30 year Fixed VA ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 3.250% ? ? ? ? ? ? ? 4.189% apr
30 year Fixed KHC ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 4.250% ? ? ? ? ? ? ? ?5.377% apr

30 ?Year Fixed Jumbo Loan ? ? ? ? ? ? ? ? ? 4.125% ? ? ? ? ? ?4.498% apr

5 year ARM FHA ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?3.375% ? ? ? ? ? ?3.691% apr
5 year ARM Conventional ? ? ? ? ? ? ? ? ? ? ?3.125% ? ? ? ? ? ?3.520% apr

?

Kentucky Mortgage ?Rates are subject to qualifying criteria and Mortgage Rates can change without notice.
Assumptions include a 640 or higher credit score for FHA, USDA, KHC, ?and 620 credit scores for a VA loan. A loan amount of $100,000.00 is assumed and a 30 day lock required for a Kentucky Mortgage Only.

A 720 credit score or higher is assumed for a Kentucky Conventional Rate Mortgage loan rates and a loan amount of $100,000.00. The loan to value for Kentucky Conventional loans are assumed at 80% ltv or less.

• The displayed Annual Percentage Rates (APRs) reflect the interest rates, total points, and additional estimated pre-paid finance charges for the loan products shown for Kentucky Mortgage Rates, but do not include other closing costs.
• The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Good Faith Estimate of Closing Costs (GFE) that you will receive once you apply for a Kentucky Mortgage ?loan. This is not a Kentucky mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.
• For loans with less than 20% down payment borrower-paid mortgage insurance may apply.
• These Kentucky ?mortgage rates are based on a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan?s interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing.

• FHA

  • Kentucky FHA loans?require both an upfront and an annual mortgage insurance premium. The premium varies based on the loan characteristics, your credit score, whether you?ve received loan counseling, and other factors.

• Jumbo

  • Kentucky Jumbo Mortgage ?rates?are higher for borrowers who do not meet the criteria for Conventional Mortgage Loans.,; Please contact your home mortgage consultant for details regarding the ?criteria or with any other questions.

• ??VA Loans

  ? ? ? ? ? ??Kentucky VA loans?require a funding fee upfront paid to VA in the form of mortgage insurance .he premium varies based on the loan characteristics, your credit score, whether you?ve received loan counseling ? ? factors.
• USDA Loans

? ? ? ? ? ? ? ? ? ? ? ???Kentucky ?USDA loans?require a funding fee upfront and a monthly mortgage insurance premium paid to RHS/USDA.?The premium varies based on the loan characteristics, your credit score, ? ?and other factors.

NMLS# 57916

Free Credit Report and Pre qualifications available anytime.?

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.? Joel Lobb (NMLS#57916) is a licensed mortgage loan officer in the state of Kentucky.

This website is not an Government Agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency.?

Joel Lobb?(NMLS#57916)Senior? Loan Officer
502-905-3708 cell
502-813-2795 fax
jlobb@keyfinllc.com


107 South Hurstbourne Parkway*
Louisville, KY 40222*

Current Louisville Kentucky Mortgage Rates today
Rates are subject to qualifying criteria
Rates are subject to change without notice.
Free Credit Report?and Pre qualifications available anytime.?

Louisville Kentucky Mortgage Rates are updated daily at this blog

FHA, VA, KHC, Rural Housing, USDA, Fannie Mae Mortgage Loans

Check out our listing in one of?Louisville, Ky?s ?Premier Business Magazines,? ?Business First Of Louisville

This website is not an Government Agency, and does not officially represent the HUD, VA, USDA or FHA

Key Financial Mortgage of KY is a licensed mortgage broker in the state of Kentucky ?(NMLS#1800). ?Key Financial Mortgage of KY??is not a part of, nor are we affiliated with, the VA,? FHA/HUD, USDA. These entities are a government agencies, ?not a lender. These Government agencies? simply insure the mortgages; they do not loan the money. Joel Lobb (NMLS#57916) is a licensed loan officer in the state of Kentucky.

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I have helped over 589 families buy or refinance their home over the last 13 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan. I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to get you the best deal out there, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru. My rates and fees are just as good or better than local banks and you will not get lost in the shuffle like most borrowers do at the mega banks; your just not a number at our company, you are a person and we will treat you like one throughout the entire process. Free pre-approvals within 2 hours and get your loan closed within 15 days. Give us a try or let us compare what you have now. Call me locally at 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals. Stop by and see my at 107 Sou

38.242149 -85.576818

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Source: http://kentuckyvaloan.com/2012/09/23/louisville-kentucky-mortgage-rates-8/

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