2013년 12월 22일 일요일

About 'houses for sale in colorado springs'|El Paso County stormwater needs total $906 million, Colorado Springs on the hook for most of the bill







About 'houses for sale in colorado springs'|El Paso County stormwater needs total $906 million, Colorado Springs on the hook for most of the bill








If               your               finances               are               sound               and               you               do               your               homework,               now               may               be               an               excellent               time               to               buy               a               house.

Two               factors               make               the               purchase               of               a               home               a               good               idea               in               my               opinion.

First,               the               housing               market               is               still               recovering,               and               it               will               take               some               time               to               get               back               to               normal.

Inventory               is               high,               demand               is               comparatively               low,               and               prices               are               very               reasonable.

Foreclosure               notices               in               February               were               225,000,               which               is               one               of               every               577               homes.

Experts               expect               eight               million               new               foreclosures               over               the               next               three               years.

(Source:               CNBC).

Foreclosures               and               short               sales               force               other               home               sellers               to               reduce               the               asking               price               of               homes.

From               my               point               of               view               as               a               Money               Coach,               all               this               means               there               are               desirable               houses               for               sale               right               now               at               good               prices.
               Second               factor               is               what's               happening               in               the               mortgage               market.

Things               are               likely               to               change               in               the               not-to-distant               future,               things               which               will               make               mortgages               harder               to               get               and               more               expensive.

The               way               it               works               now               is               a               bank               or               a               mortgage               lender               loans               you               mortgage               money               and               then               sells               the               loan               to               federal               institutions               like               Fannie               Mae               or               Freddie               Mac.

Currently               the               federal               government               guarantees               90%               of               all               mortgages               and               assumes               the               risk               for               non-payment.

Once               your               mortgage               company               sells               your               mortgage,               it               longer               is               liable               if               you               end               up               not               paying.

Because               of               the               abuses               of               this               system,               federal               regulators               are               considering               requiring               banks               to               hold               5%               of               the               credit               risk               so               that               they               will               do               a               better               job               in               qualifying               borrowers.

This               could               mean               that               you               will               need               a               20%               down               payment               if               you               want               to               buy               a               house               in               the               future.

Because               of               exploitation               by               Fannie               Mae               and               Freddie               Mac,               Congress               wants               to               phase               out               these               now-federally               owned               companies.

Possible               effects               include               fewer               30-year               mortgages,               an               increase               in               interest               rates,               and               fees               for               such               features               as               locking               in               an               interest               rate.

It               is               already               harder               to               obtain               money               to               purchase               a               house               because               the               industry               is               no               longer               giving               mortgages               away               to               people               who               are               not               qualified.

Acquiring               a               mortgage               in               the               future               might               even               be               more               difficult,               and               the               costs               most               probably               will               be               higher.
               Right               now               world               events               have               driven               30-year               mortgage               rates               back               down;               as               of               March               24,               2011               the               rate               was               4.8%.

If               you               qualify               for               a               30-year               mortgage               at               4.8%,               my               advice               is               to               buy               the               house               now.

This               advice               is               in               the               face               of               statistics               that               show               fewer               Americans               now               feel               home               ownership               is               a               safe               investment               (64%               now               vs.

83%               in               2003).

(Source:               Thomson               Reuters)
               Before               you               buy,               you               must               have               your               personal               finances               in               order.

Part               of               your               budget               must               be               dedicated               to               maintenance;               I               suggest               1%               of               the               home               value               -               $2000               a               year               for               a               $200,000               home.

You               also               must               have               an               emergency               fund               to               take               care               of               big               things               that               can               go               wrong               like               the               furnace               or               the               roof.

Finally,               you               must               know               what               you               are               doing.

I               strongly               suggest               first               time               buyers               attend               the               free,               6-hour               HUD               Home               Buyers               Seminar.
               (In               Colorado               Springs               a               monthly               Home               Buyers               Seminar               is               co-sponsored               by               HUD,               Colorado               Housing               and               Finance               Authority,               and               Partners               in               House;               call               473-8890.

Check               for               seminars               in               your               area.)
               Other               articles               by               this               contributor:
               Four               Money               Things               that               Will               Matter               in               2011
               How               Can               I               Make               Extra               Money               By               Working               At               Home
               What               to               Do               After               You               Pay               Off               Your               Credit               Cards






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    2013년 12월 4일 수요일

    About 'la quinta colorado springs'|Things we did in Colorado Springs, CO







    About 'la quinta colorado springs'|Things we did in Colorado Springs, CO








    Colorado               Springs               is               a               large               city               located               about               an               hour               south               of               Denver,               Colorado.

    It               has               a               city               population               over               360,000               people               and               a               metropolitan               population               over               half               a               million               people.

    This               city               has               a               mild               seasonal               climate.

    Winter               lows               dip               into               the               low               40s               and               the               summer               highs               climb               over               80               degrees.

    When               planning               your               family               vacation               make               sure               you               keep               in               mind               that               Colorado               Springs               is               known               for               being               one               of               America's               most               active               lightning               strike               zones.

    Step               1:               Get               to               Know               Colorado               Springs'               Tourist               Attractions
                   Colorado               Springs               has               a               lot               of               great               natural               and               manmade               attracations.

    If               you               are               interested               in               natural               wonders               then               you               can               visit               Pike's               Peak,               the               Garden               of               the               Gods               or               the               Cave               of               the               Wind.

    If               you               are               interested               in               manmade               attractions               then               you               can               plan               to               visit               the               Buckskin               Joe               Frontier               Town               and               Railway,               the               Cheyenne               Mountain               Zoo,               the               Focus               on               the               Family               Visitor               Center               or               Michelle's,               a               famous               ice               cream               parlor.
                   Step               2:               Reserve               a               Room               or               Stake               Your               Claim               on               a               Camp               Site
                   Camping               is               a               great               option               if               you               visit               Colorado               Springs               during               the               warmer               times               of               the               year.

    You               should               be               aware,               however,               that               you               will               need               to               find               adequate               shelter               during               the               late               afternoon               to               protect               your               family               from               lightning               activity.

    Shelter               can               be               your               vehicle,               a               camper,               your               RV               or               a               cave.

    Some               of               the               campgrounds               that               you               can               select               from               include:               Wrangler               RV               Ranch               and               Motel,               Northwoods               Village               RV               Park,               Peak               View               Inn               and               RV               Resort,               Fountain               Creek               RV               Park               and               Goldfield               RV               Campground.
                   If               you               will               be               vacationing               during               the               winter               months,               or               if               your               family               prefers               to               stay               in               a               hotel,               then               you               will               have               a               lot               of               hotel               rooms               to               choose               from.

    Some               of               your               options               include:               Brandford               Homesuites,               Candlewood               Suites,               Comfort               Inn,               Cottonwood               Court               Motel,               Courtyard               by               Marriott,               Eagle               Motel,               Holiday               Inn               Express               and               La               Quinta               Colorado               Springs,               just               to               name               a               few.
                   Step               3:               Plan               Your               Winter               Adventures
                   If               you               will               be               visiting               Colorado               Springs               during               the               winter               months               then               you               have               several               options               available.

    Because               snow               doesn't               stick               around               for               too               long               in               this               city               you               can               still               go               hiking               in               the               lower               elevation               trail               systems               and               parks.

    If               you               want               to               ski               you               will               be               able               to               find               the               nearest               ski               areas               located               about               an               hour               and               a               half               away.

    Some               of               your               ski               area               options               include:               Arapahoe               Basin,               Eldora,               Loveland,               Winter               Park,               Breckenride               and               Keystone.
                   Step               4:               Plan               Your               Summer               Adventures
                   Colorado               Springs               is               set               in               the               middle               of               two               very               different               environments.

    To               the               west               are               the               Cheyenne               Mountains               and               to               the               east               are               the               high               desert               plains.

    You               can               take               advantage               of               both               of               these               environments               by               planning               activities               in               both               of               these               areas.
                   Your               first               option               is               to               visit               a               national               park.

    The               closest               national               park               is               located               34               miles               away               and               it               is               called               the               Florissant               Fossil               Beds               National               Monument.

    The               Great               Sand               Dunes               National               Monument               is               located               94               miles               away,               as               is               the               Rocky               Mountain               National               Park.
                   Your               second               option               is               to               plan               a               hiking               trip.

    There               are               at               least               9               hiking               trail               systems               located               within               20               miles               of               Colorado               Springs.

    Your               options               include:               Penrose               Trail,               Balanced               Rock               Trail,               Barr               Trail,               Indian               Trail,               Palmer               Trail               and               Schubarth               Trail.
                   Your               third               option               is               to               plan               a               water               adventure.

    If               you               are               interested               in               rafting               then               you               can               plan               rafting               trips               down               the               South               Platte               River,               the               Arkansas               River               or               the               Grape               Creek.

    If               you               prefer               a               lake               adventure               then               you               can               visit               the               nearby               Fountain               Valley               Reservoir,               the               Little               Johnson               Reservoir,               the               Patty               Jewett               Reservoir               or               the               Prospect               Lake.






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    About 'colorado springs christian school'|... used of God to bring about the greatest revival in the history of Christianity. He asked the audience, “How many Christian leaders do you know that have...







    About 'colorado springs christian school'|... used of God to bring about the greatest revival in the history of Christianity. He asked the audience, “How many Christian leaders do you know that have...








    Cautions               Not               To               Forget               the               True               Meaning               of               Memorial               Day               Have               we               forgotten               the               true               meaning               of               Memorial               Day?

    Every               year               we               are               called               to               remember               the               fallen               soldier               on               that               day.

    And               every               year               people,               bloggers,               radio               hosts               and               writers               are               wondering               if               people               have               forgotten               the               true               meaning               of               this               day               referring               to               the               grilling,               the               food,               the               beer,               the               picnics,               the               traffic,               the               commerce               and               the               accidents               on               U.S.

    streets               at               the               Memorial               Day               Weekend.
                   Call               me               ignorant               but               I               always               referred               to               Memorial               Day               as               the               beginning               of               summer.

    It's               the               day,               the               pools               opens,               the               smell               of               coal               and               hot               dogs               is               in               the               air,               the               kids               are               out               of               school               and               the               bird               chirping               is               drowned               out               by               the               loud               music               of               my               neighbors.

    I               love               Memorial               Day.
                   I               came               to               the               United               States               15               years               ago               after               I               married               an               active               duty               U.S.

    Soldier,               who               served               at               the               time               I               met               him               in               Germany.

    I               lived               on               and               off               military               installations               and               I               am               surrounded               by               those               who               are               willing               to               give               the               ultimate               sacrifice               every               day.

    My               husband               deployed               twice               to               Iraq               and               when               he               deployed               from               Colorado               Springs               54               soldiers               of               his               unit               died               during               that               deployment.

    I               have               been               to               memorial               services               and               heard               of               those               who               have               fallen               for               this               wonderful               country.

    My               all               time               hero               is               Captain               Josh               Byers               who               died               that               year.

    Captain               Josh               Byers               is               the               brother               of               the               founders               of               the               Christian               Rock               Group               Bleach.

    They               were               singing               at               his               memorial               Service               in               Colorado               Springs.

    He's               sense               of               humor               was               deeply               appreciated               by               his               soldiers.

    He's               efforts               of               creating               events               on               holidays               away               from               home               in               the               danger               zone               home               was               noted               by               those               who               served               under               him.
                   As               a               family               member               of               a               U.S.

    Soldier               I               am               encouraged               by               those               "Thank               Yous"               and               handshakes               my               husband               receives.

    I               sometimes               however               have               to               smile               especially               when               people               caution               other               people               not               to               overdo               the               Memorial               Day               weekend               because               it               is               all               about               the               U.S.

    Soldier.

    On               K-               Love               a               radio               host               was               asking               listeners               not               to               forget               the               family               member               of               the               U.S.

    Soldier               and               to               celebrate               the               true               meaning               of               Memorial               Day.
                   
                   The               History               of               Memorial               Day
                   Memorial               Day               is               different               from               Veterans               Day.

    On               Memorial               Day               we               supposed               to               honor               the               fallen               Soldiers               or               service               members.

    On               Veterans               Day               you               honor               those               who               served               honorable               in               the               U.S.

    military               at               any               capacity               during               any               war.

    Memorial               Day               goes               back               to               1867               where               women               in               the               South               decorated               the               graves               of               their               confederated               soldiers               in               PA,               VA               and               MS.

    In               1866               Women               made               headlines               getting               together               in               order               to               honor               the               graves               of               Union               Soldiers               and               Confederate               Soldiers               in               Columbus,               Mississippi.

    A               woman               and               her               two               children               not               only               decorated               one               grave               but               several               graves               which               then               inspired               the               first               organized               community               wide               Memorial               Day.

    In               1867               Francis               Mile               Finch               wrote               the               popular               poem:               "The               Blue               and               The               Gray"               which               then               motivated               people               to               find               a               special               day               to               decorate               the               grave               of               the               soldiers.

    In               1868               General               Logan               established               May               30               as               Memorial               Day.

    In               1873               New               York               declared               Memorial               Day               as               a               Legal               Holiday.

    In               1887               U.S.

    Congress               declared               Memorial               Day               as               a               federal               Holiday               which               means               that               government               employees               are               off               that               day.

    Since               1971               Memorial               Day               falls               on               the               last               Monday               of               May.

    "A               National               Moment               of               Remembrance"               resolution               was               passed               in               December               of               2000.

    At               3               pm               local               time               every               person               in               this               country               is               encouraged               to               listen               to               "Taps"               and               pause               for               one               minute               to               remember               those               who               have               fallen               for               this               country.
                   Observation               of               Memorial               Day               on               Military               Installations
                   As               a               military               spouse               I               can't               say               that               I               ever               met               a               U.S.

    Soldier               on               active               duty               who               is               concerned               or               offended               by               those               picnics,               activities               people               have               on               Memorial               Day               Weekend.

    As               a               matter               of               fact               we               are               celebrating               it               the               same               way               as               most               people               do               which               is               listening               to               music,               putting               some               steak               on               the               grill,               drinking               a               beer               or               a               margarita               and               hanging               out               with               friends.

    I               am               convinced               that               even               the               fallen               soldiers               celebrated               Memorial               Day               in               company               of               their               families               and               friends.

    On               the               military               Installation               on               Memorial               Day               I               smelled               as               much               steak               as               in               a               "normal               community"               The               pools               are               as               crowded               on               post               as               off               post               on               Memorial               Day               Weekend.

    The               Liquor               Stores               are               seeing               the               same               crowds               on               the               military               Installation               as               in               the               community               on               Memorial               Day               Weekend.

    So               please               don't               feel               guilty               enjoying               your               fishing               trip,               eating               your               hot               dog               and               drinking               your               beer               on               Memorial               Day               Weekend.

    By               all               means               enjoy               it!.

    Come               3               pm               local               time               listen               to               the               "tabs",               pause               for               a               minute,               say               a               prayer               for               loved               ones               of               fallen               soldiers               and               thank               God               for               those               who               are               willing               to               give               it               all.

    After               the               minute               of               reflection               is               done               grab               your               drink               and               toast               to               the               soldier.
                   
                   Remember               the               Soldier               Year               Around
                   Memorial               Day               was               also               called               once               Decoration               Day               since               women               decorated               the               graves               of               their               fallen               soldiers               with               flowers.

    If               you               know               of               a               grave               of               a               fallen               soldiers               in               a               cemetery               you               regular               visit               put               a               flower               on               it               here               and               there               year               around.

    Write               a               Thank               You               Note               especially               if               it               is               an               unattended               grave.

    Leave               a               comment               for               family               members               of               fallen               soldiers               on               their               memorial               pages.

    Invite               a               family               of               a               deployed               Soldier               over               for               dinner               especially               on               a               holiday.

    Support               Widows               of               Fallen               Soldiers.

    Thank               a               Veteran               and               listen               to               their               stories               of               their               comrades.

    Never               belittle               a               soldier's               willingness               to               sacrifice               or               a               sacrifice.

    Nobody               wants               to               be               forgotten.

    Tell               the               stories               of               someone               you               know               who               served               honorable               in               the               military.

    Be               kind               and               generous               to               a               wounded               soldier               including               those               who               suffer               from               Post               Traumatic               Stress               Disorder.

    Remember               Memorial               Day               doesn't               have               to               be               only               once               a               year               we               can               remember               those               fallen               soldiers               all               year               around.
                   Sources               
                   Personal               Experience               
                   http://militarytimes.com/valor/army-capt-joshua-t-byers/256764/               
                   http://www.history.army.mil/html/reference/holidays/memday/origins.html               
                   http://www.usmemorialday.org/Speeches/President/may0200.txt               
                   http://www.usmemorialday.org/backgrnd.html






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