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Somali rebels say repel Kenyan attack on Afmadow

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Judge orders Manson Family tapes turned over to police

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I Am Married, Can I Get A Loan Using Only My Credit ... - Realtor.com

Q: I?m newly married and my husband has less than perfect credit but my credit is above a 660. i currently work at a credit union and we are looking to get a home within the next year and I wanted to know if you think that would be possible? If they only will let me get the home loan in my name will they consider both of our income because he makes way more than I do and he has been at his job for more than 4 years? Thanks.
?Anonymous, Appleton, WI

A: You should absolutely be able to qualify for a home based on the limited information you gave me. You should get pre-qualified by a bank or credit union where you work to find out how much you qualify for and how much of a down payment you would need. If you need a great referral for a real estate agent in your area, let me know.
Monique Higginson is Realtor? with Market Source Real Estate in Salt Lake City, UT.

A: Make an appointment with a loan officer and ask him to do a pre-qualification for the purchase of you house. I am sure you will get a realistic answer.
Mercedes Solano is a Realtor? with Amer Ex Realty Inc. in Bellflower, CA.

A: Hi, Although you work for a credit union, there may be a bank or lending company that has the ability to help you. The only people that can tell you if it is possible is a loan officer. I wouldn?t give up on the first one. I know many people who get turned down but didn?t talk to a really good loan officer and could have closed on a home. The alternative is to seek out a way to increase your husband?s credit. Depending on what is on his credit and what type of loans he will qualify for will differentiate between banks.
Suzanne White is a Realtor? with McBride Kelly & Associates in Tampa, FL.

A: You need to speak with a lender not a Realtor?. You say you work at a credit union and that would be the place to start since they know you.
Kathryn Copeland is a Realtor? with Coldwell Banker Residential Real Estate in Winter Park, FL.

A: I suggest speaking with a local agent in your market, and getting a referral to a good lender. Of course, since you work for the credit union, you may want to speak with one of your loan officers there. The only real problem with credit unions typically is their lack of flexibility with loan programs.
David Welch is a Realtor? with RE/MAX 200 Realty in Winter Park, FL.

Are you interested in having a qualified REALTOR answer your questions? Click through to Ask a REALTOR? now.

Are you a REALTOR who would like to answer consumer questions? Click through to become an Ask a REALTOR? participant.

Related posts:

1. Will It Be Hard For Me To Get A Loan Because I Am Young?
2. How Do I Buy A Home If I Have Bad Credit?
3. We?re Lifelong Renters, Should We Buy A House Now?
4. What Is My First Step In Buying A Home?
5. How Do I Get A Loan If I Have No Credit History?

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Meal replacement shake reviews - Blood Pressure Answers

Right now we are planning to discover something which happens to be a heated debate, Shakeology vs. Visalus, and and that is the most effective meal alternative shake. In an industry where by solutions are sometimes hyped-up, yet not often dwell as many as their promises, we?re heading to accomplish an aspect by facet comparison and figure out when and for all which meal alternative shake packs an improved dietary value to your greenback.
That is the top meal alternative shake ? Shakeology or Visalus?

Initial let us take a look at cost

Body by Vi- Ranges between $49.00-$249.ninety nine for every month. May differ by which ?level? of you be a part of beneath.

Shakeology Price- $89.95-119.ninety five per month (customer vs. Beachbody Coach Price)

Servings
Body by Vi ? It is actually advised that you just consume two Visalus shakes per day. It is additionally encouraged which you take in their brand of snacks (not integrated in value).

Shakeology ? A person shake per day.
You happen to be inspired to eat true, nutritious, nutritional foodstuff the rest on the day.

Expenditure for each serving
Body by Vi ? $1.fifty each. $3.00 for 2 shakes everyday. As much as $8.thirty per day in case you get their larger conclude offer. Remember-snacks price further.

Shakeology ? 3-$4 for each day (significantly less than the expenditure of most rapidly foods meals)

Refund Guarantee
Body by Vi -30 day income again

Shakeology Promise -30 day, no inquiries asked, bottom in the bag assure.

Diabetic pleasant?
Body by Vi -Yes (Supposedly. There?s no point out of where Visalus falls around the glycemic index)

Shakeology ? Indeed. Shakeology is a certified reduced glycemic meals.

Synthetic sugars and sweeteners?
Body by Vi ? Yes (Visalus has sucralose. You can learn this Wikipedia report to determine just how poor these items is for you personally.

Shakeology ? No artifical sweeteners!

Several flavors?
Body by Vi ? No. (Visalus only arrives in a single flavor.)

Shakeology ? Arrives in three mouth watering flavors: Chocolate, Greenberry, as well as the new Tropical Strawberry (This taste is often a 100% vegan solution!)
Shakeology compared to other shakes ? The reality

Calendar year following yr a multitude of fad diet plans and well being shakes occur and go, all promising fantastic effects Shakeology vs . opponents although not quite a few basically arrive by way of on their promises. Most meal alternative shakes ought to make sacrifices in specific locations, no matter if it?s style, dietary benefit, sugar content or perhaps the utilization of unhealthy synthetic substances and sweeteners.

Then arrived Shakeology from Beachbody, the makers of P90X along with a correct chief while in the health and fitness business. The Shakeology meal alternative shake may be the unmatched when it arrives down to a mix of diet and flavor. So far, there isn?t a single meal alternative shake to the industry that could complement what Shakeology has become capable to attain within their overall health shake.
Why Shakeology is definitely the Better choice Around Visalus

1.Shakeology will not be just about bodyweight decline, this is a nutritional complement that employed to encourage total overall body wellness. Comprised of nutrient-dense whole food sources, Shakeology provides one?s body with all of the nutrition the body desires for optimal health and fitness. It is great for those who possess a tough time obtaining good enough servings of vegatables and fruits!

two. Shakeology would be the only health and fitness shake which contains above 70 organic ingredients in its system.

3. It is the only meal substitution shake full of protein, nutritional vitamins, minerals, digestive enzymes, phytonutrients, antioxidants and amino acids, as well as adaptogens and prebiotics all in one shake.

four. Shakeology is freed from man-made and refined sugars and sweeteners. It does not comprise aspartame, sucralose, and other man-made sugars that have been tested to damage our bodies.

5. This doesn?t include any bodyweight gluten so Shakeology is ideal for celiac?s or individuals with gluten intolerances.

six. Shakeology has 23 vitamins and minerals which might be essential for ideal overall body and metabolic functionality.

7. Shakeology incorporates very bioavailable whey protein, meaning that it?s easily absorbed through the human body and commences to operate instantly to fix and support the expansion of muscle groups. Other shakes include the two whey protein focus and protein isolate, neither that is very easily absorbable.

eight. Shakeology consists of a mess of antioxidants that fight free radical formation, cuts down the chance of heart and soul condition and encourages an improved metabolism.

In conclusion, as you can see, that when it will come down style, dietary price and greatest over-all benefit to your revenue, Shakeology is hands down the very best meal substitute shake.

Shakeology vs Body By Vi ? Which happens to be the best meal substitution shake, Shakeology or Visalus?

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JPMorgan hit with $2 billion trading loss - would have been illegal under Volcker Rule (Americablog)

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Secrets of the first practical artificial leaf

ScienceDaily (May 9, 2012) ? A detailed description of development of the first practical artificial leaf -- a milestone in the drive for sustainable energy that mimics the process, photosynthesis, that green plants use to convert water and sunlight into energy -- appears in the ACS journal Accounts of Chemical Research. The article notes that unlike earlier devices, which used costly ingredients, the new device is made from inexpensive materials and employs low-cost engineering and manufacturing processes.

Daniel G. Nocera points out that the artificial leaf responds to the vision of a famous Italian chemist who, in 1912, predicted that scientists one day would uncover the "guarded secret of plants." The most important of those, Nocera says, is the process that splits water into hydrogen and oxygen. The artificial leaf has a sunlight collector sandwiched between two films that generate oxygen and hydrogen gas. When dropped into a jar of water in the sunlight, it bubbles away, releasing hydrogen that can be used in fuel cells to make electricity. These self-contained units are attractive for making fuel for electricity in remote places and the developing world, but designs demonstrated thus far rely on metals like platinum and manufacturing processes that make them cost-prohibitive.

To make these devices more widely available, Nocera replaced the platinum catalyst that produces hydrogen gas with a less-expensive nickel-molybdenum-zinc compound. On the other side of the leaf, a cobalt film generates oxygen gas. Nocera notes that all of these materials are abundant on Earth, unlike the rare and expensive platinum, noble metal oxides and semiconducting materials others have used. "Considering that it is the 6 billion nonlegacy users that are driving the enormous increase in energy demand by midcentury, a research target of delivering solar energy to the poor with discoveries such as the artificial leaf provides global society its most direct path to a sustainable energy future," he says.

The author acknowledges support from the National Science Foundation and the Chesonis Family Foundation.

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Story Source:

The above story is reprinted from materials provided by American Chemical Society.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

---

Journal Reference:

1. Daniel G. Nocera. The Artificial Leaf. Accounts of Chemical Research, 2012; : 120404113447002 DOI: 10.1021/ar2003013

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

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Netgear updates its Genie app to make even the loneliest printer AirPrint compatible

Don't have an AirPrint-enabled output machine to get that much-need TPS report off of your iPad? Worry no more. Netgear has you covered with an update to its Genie app for both Mac and PC. With the aforementioned software running on your computer, you'll be able to print from your iOS device to any printer just like it was outfitted with AirPrint right out of the box. Your Apple or Windows machine acts as a liaison of sorts via its network or USB printer connection to get the job done. Sure, you'll have to keep the application churning constantly in the background, but the app is free and provides a much cheaper solution that splurging for a new printer. Looking to take the revamped software for a spin? Hit the source link below to start your download.

Continue reading Netgear updates its Genie app to make even the loneliest printer AirPrint compatible

Netgear updates its Genie app to make even the loneliest printer AirPrint compatible originally appeared on Engadget on Wed, 09 May 2012 00:48:00 EDT. Please see our terms for use of feeds.

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Plant High School Rowing Team Takes ?The ... - Real Estate Sizzle

H.B. Plant High School ranks 38th in the ?Top 100 High Schools in the US?. Known for it?s Academic Achievers, and consistently rated on the ?Best Schools? list, this year the Plant High Rowing Association has plenty to brag about, as well.

In the Florida Scholastic Rowing Association Sweeps, Plant High Rowing Association had it?s best showing in history, placing Third in Overall Points Statewide?Six Boats, and 58 members of the Plant High Rowing Assocation, qualified for the SRAA National Championships Regatta in Camden, New Jersey, to be held May 25 and May 26. This is a well-deserved honor for these athletes who train six days each week, on the water, rain or shine!

Here is the line-up for the outstanding athletes from Plant High School, who will be heading to the National Finals.

Plant High School Rowing Association offers ?Learn to Row? summer camps, for middle school and high school students, who attend any school! For more information about Plant High School Rowing, or to help support the athletes, visit their website, or contact the club!

If you are traveling Memorial Day weekend and spot a large ?sea? of ?Yellow and Black? at Tampa International Airport, congratulate the Plant High Rowing Team for a fantastic year!

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Nadal wins 1st match on blue-clay court in Madrid

Rafael Nadal from Spain celebrates his victory during a Madrid Open tennis tournament match against Nikolay Davydenko from Russia in Madrid, Wednesday, May 9, 2012. (AP Photo/Andres Kudacki)

Rafael Nadal from Spain celebrates his victory during a Madrid Open tennis tournament match against Nikolay Davydenko from Russia in Madrid, Wednesday, May 9, 2012. (AP Photo/Andres Kudacki)

Na Li from China returns the ball during a Madrid Open tennis tournament third round match against Angelique Kerber from Germany in Madrid, Wednesday, May 9, 2012. Na won 7-5 6-4. (AP Photo/Andres Kudacki)

David Ferrer from Spain celebrates his victory following a Madrid Open tennis tournament match against Radek Stepanek from Czech Republic, in Madrid, Wednesday, May 9, 2012. (AP Photo)

Rafael Nadal from Spain celebrates his victory in a Madrid Open tennis tournament match against Nikolay Davydenko from Russia in Madrid, Wednesday, May 9, 2012. (AP Photo/Andres Kudacki)

Nikolay Davydenko from Russia returns the ball during a Madrid Open tennis tournament match against Rafael Nadal from Spain in Madrid, Wednesday, May 9, 2012. (AP Photo/Andres Kudacki)

MADRID (AP) ? Rafael Nadal won his first match on the blue-clay court at Madrid Open, dispatching Nikolay Davydenko 6-2, 6-2 Wednesday.

Nadal had little trouble on the surface that he criticized this week as soft and slippery. The Spanish champion had six aces and 19 winners. He broke his Russian opponent four times to advance to the third round.

American John Isner lost to Marin Cilic 7-6 (4), 7-6 (3). Fifth-seeded David Ferrer advanced after a 7-6 (4), 6-2 win over Radek Stepanek.

In women's competition, defending champion Petra Kvitova exited the tournament after losing to Lucie Hradecka 6-4, 6-3 in the second round.

Li Na defeated Angelique Kerber 7-5, 6-4. Agnieszka Radwanska routed Sara Errani 6-0, 6-1, ending the Italian's 16-match winning streak.

Associated Press

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Disrupt NYC Hackathon ? More Details

We’re less than two weeks away from 24 hours of sheer hacking bliss. We’ve also released the final batch of tickets for the event, so if you’re planning on hacking, this is your final chance to get tickets. http://tcdisruptny-hackathon2012.eventbrite.com/ Developers looking to find a group to hack with, toss your hat in the ring at:?http://bit.ly/nyc-disrupt-collab. Likewise, if you’re a designer looking to find a team for the event, add your details to the Design Trust form at:?http://bit.ly/nyc-disrupt-dt New API Workshop Sessions We’ve added another lecture area to allow for a whole new batch of great API workshops. Microsoft – 2pm Presenter:?Danilo Diaz,?Microsoft Developer Evangelist where he helps developers understand Microsoft’s product offerings and strategy. Come learn more about the award winning Windows Phone platform and how to make your apps come alive on it! You?ll hear more from Developer Evangelist Dani Diaz on how to build beautiful apps on Windows Phone. To get yourself prepared, you should review the Windows Phone Training & Download Windows Phone Tools SDK Mashery – 3pm Presenter:?Amit Jotwani,?Developer Advocate & Front-end Developer at Mashery Mashery is the world leader in API technology and services helping over 150 companies manage their APIs. “Read Less, do more” is the mantra of this workshop. Developers will get a taste of API Explorer – an interactive documentation system designed to learn and explore RESTful APIs like Klout, USA TODAY, Rovi, Whit.li, NY Times and many more. Hacks built using any APIs listed in our API Explorer would be eligible for Mashery prize. Additionally, we’d be giving out beer-opening USB drives with code libraries and tools from our Mashery Hack Shortcut station onsite. Details regarding Mashery’s API can be found at:?http://dev.mashery.com/iodocs CityGrid – 4pm Presenter:?Kin Lane,?Developer Evangelist for CityGrid Monetize your local web and mobile applications using CityGrid. Local advertising is expected to grow 18% from $15.7 billion this year to $18.5 billion according to Borrell & Associates. Local advertising is a primary way for developers to monetize their web and mobile apps. Learn how to monetize your apps with CityGrid mobile, web, or custom advertising APIs and Places that Pay. Developers can earn revenue from just displaying information about certain businesses and connecting users with merchants via reviews, offers, images, videos, social networks and on the phone. Understand how to maximize your applications revenue with local advertising, but also go beyond advertising by delivering valuable content to your users,

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