Recently, that device disappeared.  I can’t imagine stealing anything from a church in the first place.  However, I can even less imagine taking something that could save someone’s life.  That is a really sad statement about that person’s life.

When I noticed the other day that the device is still gone, I was thinking that I need to get familiar with the new CPR procedure that is said to work better than the old chest compressions/breathing procedure.  A good friend of mine had sent me a link to the video for that new procedure.  This new procedure doesn’t require you to be certified in the procedure, so anyone can be a hero.

http://tinyurl.com/2fx8r59

I plan to bookmark this site so I can refer back to it regularly.  Great information and you might save a life using it!

http://www.azdot.gov/ccpartnerships/news/closures/index.asp

With our weather being so nice, please be especially vigilant about keeping your eyes on the little ones.  We’ve already had three drownings in this area this year.

http://www.azdot.gov/ccpartnerships/news/closures/index.asp

Hope this is helpful for you!

http://www.azdot.gov/ccpartnerships/news/closures/index.asp

Have a safe and happy weekend!

http://www.azdot.gov/ccpartnerships/news/closures/012712.pdf

Have a safe and happy weekend!

http://library.constantcontact.com/download/get/file/1103007733076-62/WeekendFwyAlertMapADOTJan1912b.pdf

Check it out if you plan to go across town during this fabulous weekend.

http://www.azdot.gov/ccpartnerships/news/closures/index.asp

Have a fun and happy weekend!

http://eddiemortgage.com/2011/09/16/3017/

Also on October 1st, the HUD is LOWERING its FHA loan limits, which could negatively impact the plans of some potential borrowers.  Here’s a link to Eddie’s information on this change as it will affect Arizona residents.

http://eddiemortgage.com/2011/08/30/maricopa-and-pinal-county-arizona-fha-loan-limit-changes/

As our country and state continue to deal with the trials of our taxed economy, changes in the mortgage and real estate worlds keep us professionals scrambling to do our jobs helping our valued clients.

Student Loans

Paying off your student loans sooner lowers your credit score

As unfair as it sounds paying off your student loan sooner will lower your credit score
down by 10-15 points. Lenders do not like their borrowers paying off their
loans earlier as they will lose the interest income that they earn from you.

Although this is not necessarily a bad thing for you to do, paying off your student
loans sooner is not better than paying it on schedule. Sadly, there is no
credit score rating boost for paying it off sooner.

Student loans with longer repayment periods lower your score

Student loans that takes 10 years or more to pay off will lower your credit score. For
example, Sallie Mae gives you 10 years to pay off your loan. Although that is
not a bad thing since it is an agreement with you and Sallie Mae and it is a
very common period of time for student loans repayment, it will report to the
credit score as “too long to pay off a debt”.

Additionally, in the case of student loans from Sallie Mae, your loan could look like and be
considered as 7 different loans. As in most cases student loans report to the
credit score computing in triplicate, it will look as if you have 21 student
loans in your credit score. This will seriously ruin your score.

Student Loan Consolidation increases your credit score

Consolidating your student loan will put all your loans together and is wholly paid up by
your consolidation lenders.  One single loan will then be assigned to you.
With this one single loan only, you are improving your credit score.

Consolidating your student loans will be a great start for you to create a better financial
standing and it will help putting back your credit score in the right track.
Many efficient and effective lending companies online offer great consolidation
program options. Seek help and assistance from your professional loan adviser
to fully understand all the benefits you can get from a student loan
consolidation program.

Defaulting on your student loan can leave a stain on your credit history for up to seven
years after your loan is paid in full. When you default, collectors will hound
you for payments and may eventually seek legal action. Your lender can
garnishee your wages and your tax refunds in order to repay the loan.

If you declare bankruptcy, keep in mind that your student loans are not always
forgiven. Government loans may still have to be repaid. A bankruptcy also
remains on your credit report for seven to 10 years.

As with any money you owe — be it a credit card balance, a student loan or a mortgage
– your best bet is to make regular payments and try to pay the balance off as
quickly as possible. Not only will this improve your credit score, but you’ll
also sleep better knowing the debt is off your shoulders

http://www.youtube.com/watch?v=X5lbNXNn3CI

I’ve seen lots of things come across the internet, through email and facebook.  Last Sunday, as Mass let out, our choir sang America the Beautiful and many of the people in the church stood still through the song.  The usual rush to the parking lot was suspended.  It made me happy.

We’re all busy these days with all the things we’re busy with.  But I’m happy that so many of our fellow countrymen still feel the call of patriotism.  I’m hoping that our service people who are busy risking their lives taking care of us know just how many of us value their contributions.

God Bless America….