Moving the Kids in the Middle of a School Year Was Not Easy

Moving the Kids in the Middle of a School Year Was Not Easy

There is a lot to do when you move. Everyone knows that. It is not easy to pack up everything and move it to a new place. It is harder to move the people than it is to move the stuff. It was tough on the kids to move in the middle of high school in the middle of a school year. They were not happy, but they were making the best of it. We looked for Manassas VA apartments together in the evenings online. We all had a stake in this. We pretty much let the kids pick the place we were going to live. My wife and I were actually okay with the move. We never completely liked where we had been living, and the chance at a fresh start was exciting to us. Read the rest of this entry

Biscayne Bay Has Always Been Our Very Favorite Place

Biscayne Bay Has Always Been Our Very Favorite Place

We have wandered all over the country in our RVs. We started out with a Class B van type RV before moving up to a large Class C. We have been everywhere from Alaska to the Florida Keys as far as north and south go, and as far as the Outer Banks and Ventura for the east and west. Of all the places we have been, we like Biscayne Bay, Florida the best. We decided to come in off the road and check out apartments for rent in North Bay Village. We had sold our house a long time ago, and used my brother’s address as a home base.

We were looking forward to becoming residents of Florida. We traveled in our RV always seeking the sunshine and warm weather with short stops in cooler climates. We prefer shorts and tees to parkas and gloves. We found Treasure On The Bay in the North Village, and we have settled in quite nicely. Our RV was overhauled and put into storage. Read the rest of this entry

Keeping the Girls in the Same School District

Keeping the Girls in the Same School District

My twin daughters and I found ourselves in a unique position not long ago. They are both juniors in high school, and we have lived in the same school district all their lives. They have friends who they have known ever since they were toddlers. That is why when we were forced to move, I knew that we were going to look at apartments in Ballantyne NC because there was no way I was going to tear my girls away from the only life they have ever known. I remember how awful it was when my family moved during my high school years, and I was not going to do that to them.

However, I did have to find us a nice place to live. There are all kinds of house rentals in the area, but I was not happy with any that I had looked at. Read the rest of this entry

Been In An Accident Choose Your Preferred Auto Body Shop!

Been In An Accident Choose Your Preferred Auto Body Shop!

Because there are millions of drivers on the road every day, accidents happen every day. Drivers can be distracted by cell phones, spilled coffee, bad weather, or lack fo sleep. Although most accidents are relatively minor and no one gets injured, serious damage could occur to the outside of your car. Areas like the fenders and doors are especially susceptible to damage and will require professional auto body repair.

To ensure your car receives the best auto body repair as possible, read through the issues below:

1. Choose your own auto body shop — Insurance companies can refer you to shops that they work with, but ultimately you can choose one of your liking. Most insurance-recommended body shops are reputable and perform high-quality repairs. Before making a decision, do some research online.
2. Avoid aftermarket parts — When you take your car in for auto body repair, ask about replacement parts. Do they use new original parts, used parts or aftermarket parts? Used parts will perform as well as new original parts, both made by your vehicle manufacturer and perform equally well. Aftermarket parts are often cheap imitations with inferior quality.
3. Examine paint match — Matching a newly painted body panel to the rest of your car is a difficult challenge, and sometimes there can be an obvious difference in shade. Ask which panels are original and which ones were painted. Step back ten feet from the car and see if there’s a difference in color. If there is, there may be additional paint work necessary to get a better match.
4. Check warning lights — After an accident, there are a number of warning lights that may illuminate on your dashboard (such as the airbag light, the low coolant light, the check engine light, and others). Make sure all of the problems have been corrected and none of the lights remain illuminated. If any Illuminated light stays on, it can indicate that your car’s on-board computer may need to be reprogrammed, or that certain electrical components need to be replaced.

Remember: If you are involved in an accident, you have the right to choose your auto body repair shop.

For quality auto body repair, contact our certified technicians at American Auto Body or go online to for more information. We will be pleased to take care of your vehicle and provide you with honest and professional auto glass service. Our auto body shop serves vehicle owners in Las Vegas, NV, and surrounding communities.

Choose Medical Equipment Finance To Remain With Technology Advancement

Choose Medical Equipment Finance To Remain With Technology Advancement

Equipment leasing has become a better advantage with everyone of us. With technology advancement in every field, it has got hold of medical community too. Medical equipment can be so expensive and out of date in a matter of a few years that everyone is opting for medical equipment finance these days. Cash flow and patient care are the two major concerns on the mind of people who are into this business. It is a very sensible thing for hospitals and private physicians to do to keep up with the technology and provide their patients with the best health care.

You have option to buy the equipment anytime during the lease or even at the end of the leasing term. In this way you can know whether the equipment will be beneficial for you in the coming years before you make a huge cash investment. The biggest advantage is that you are able to keep the state- of -art. This ensures optimum patient care and improves profit. If you had the right medical equipment finance, you would earn quite a bit of revenue as your patients will be getting better equipped facilities and the diagnostic tools at their disposal for tests. What more you can expect when your obsolete equipment is replaced with a newer one with latest technology. Moreover, you are not stuck with an instrument that you cannot use any more or even resell.

You can acquire sonogram, endoscope, ultrasound equipment,surgery tools, oxygen tanks, optometry equipment, orthopedic equipment,medical beds, oxygen machines, wheel chairs, x-ray film processing equipment and so on easily with the help of a reliable equipment leasing company. When it comes to big hospitals or health care institutes, medical accounting equipment becomes essential for handling accounts receivable, payable and with other accounting roles too. It is indispensable for big health care institutes and seeking the help of financing company to acquire this equipment is necessary.

Typical lease terms are for 6 months to five years. And it is best if your cash is strapped or you want to conserve your cash for business. This will enable you to obtain the needed piece of equipment without a major cash outlay.

It Is Now Easier To Get A Wachovia Loan Modification

It Is Now Easier To Get A Wachovia Loan Modification

Frustrated borrowers stuck with the risky and unaffordable Pay Option ARM loans may be getting a break on their applications for a Wachovia loan modification. The recent final approval for the purchase of Wachovia by Wells Fargo Bank may open the door for a more aggressive loan modification program for homeowners facing default on their mortgage loans. Prior to the announcement of the purchase, Wachovia had implemented a beneficial loan workout program that offered their clients a low, step rate loan modification to help them avoid foreclosure and stay in their homes.

However, during the finalization of the Wells Fargo take over, borrowers experienced an extremely uncooperative response when applying for a Wachovia loan modification. The previous program was discontinued, and borrowers were routinely told that Wachovia was not offering any type of loan modification program to needy borrowers. The most a homeowner could hope for was a payment deferral or repayment plan. These two options are short term solutions at best, and not beneficial to the majority of borrowers as a long term solution.

Now that shareholders have given the final approval for the buy out, predictions are that a more aggressive Wachovia loan modification program will be implemented to quickly resolve the high default rate on Pay Option ARM loans written for the majority of Wachovia customers. Wells Fargo $12.7 billion acquisition faces immediate stress as home foreclosures keep rising and unemployment forecasts paint a dim, and lengthy recession threat.

Wells Fargo now owns $482.4 billion dollars in a loan portfolio that will produce $60 billion in losses over the next three years, and about 60% of that will come from the Pay Option Arm mortgages. That is a big incentive to find a cost effective, far reaching and streamlined Wachovia loan modification program to help the lender get those bad loans off their books. Homeowners who have been facing a brick wall may now find that they will have the opportunity to obtain a loan workout to avoid foreclosure and stay in their home.

Borrowers trying to get a Wachovia loan modification will have to be patient and persistent for now. There is no time line in place yet, however homeowners who are actively pursuing a loan workout with Wachovia should stay the course and work within the current system so that they will be in position to move forward as soon as any new program is implemented. Wells Fargo will have to make some tough decisions on how to best write down these loans, but borrowers could see a real benefit as the lender moves forward to clean up the mess they inherited.

California Pair Allegedly Conned Elderly Woman in a Financial Elder Abuse Case

California Pair Allegedly Conned Elderly Woman in a Financial Elder Abuse Case

A California duo allegedly committed financial elder abuse by swindling an elderly mentally ill woman out of thousands of dollars. The defendants are a couple who reside in Riverside County. They allegedly befriended the elderly mentally ill woman and talked her into giving them money and goods. California elder abuse attorneys remind senior citizens that strangers who suddenly take an interest in your finances are not to be trusted.

The defendants in this case were arrested at their Lake Elsinore home. At the home, Ontario police found large quantities of furniture. The furniture was allegedly purchased with the senior citizens credit cards. Detectives claim that the couple convinced the senior citizen victim to open several credit card accounts, which were used to purchase the furniture. The furniture purchases added up to more than $36,000 dollars. California elder abuse attorneys say that families should keep an eye on senior family members to make sure they are not being conned.

In this case, the defendants allegedly also persuaded the senior citizen victim to withdraw $10,000 from her bank account. The elderly victim gave the money to the defendants and one of them allegedly spent the money at a Los Angeles area casino. The defendants were booked on suspicion of burglary, grand theft, financial elder abuse, and other felonies. Police are concerned that the defendants may have defrauded other elderly victims. California elder abuse attorneys say that financial elder abuse is on the rise nationwide.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

How To Gauge The Volatility Of A Stock Market Investment

How To Gauge The Volatility Of A Stock Market Investment

Do Your Research
You can find a great deal of information in the stock tables of your local newspaper, or your favorite financial industry publication. Those stock tables contain a wealth of information you can use to gauge the volatility of a stock market investment. Turn to the stock table in your favorite financial publication. Locate the 52-week high and low for each stock you plan to invest in.

Compare the 52-week high for the stock to the 52-week low. The difference between the 52-week high and the low is a good indicator of how volatile the stock has been over the last year, and how volatile it is likely to be in the future.

Contact the Company
Contact the investor relations department at each company and request a copy of the annual report. Some companies publish these reports online, so you might be able to find past annual reports on the company’s website. If not, check the website and find the contact information for the investor relations department.

Review the price history of the stock as shown in the annual report. A wide spread between the annual highs and lows for the stock is an indication of a highly volatile stock. A company whose share price has been more consistent has shown far less volatility.

Practice on Paper
Create a paper portfolio and track your stocks over a period of several months. List each stock on a separate line and list the daily or weekly price in each column. Tracking the stock price over time will give you a good indication of how volatile the stock is.

While nothing can totally eliminate the inherent volatility of investing in the stock market, there are a number of strategies you can use to reduce the risks of the stock market and increase your odds of finding a winning investment.