31 Aralık 2012 Pazartesi
Webinar on EPA's Environmental Job Training Program
You are cordially invited to join
Mathy Stanislaus, Assistant Administrator of the Office of Solid Waste & Emergency Response of the U.S. Environmental Protection Agency
for a
Webinar & Conversation on EPA's Environmental Job Training Program Friday, September 21st, 3:00 p.m. EDT
The webinar will highlight EPA’s Environmental Workforce Development and Job Training Grant Program that provides funding to recruit, train, and place unemployed individuals residing in waste-impacted communities with the skills needed to secure employment in the environmental field. In addition to the Assistant Administrator, participants will learn about the program from previous grantee and program leaders.
If you are able to attend, please register by 3pm, Wednesday, September 19th. Upon receipt of your rsvp, you will receive a confirmation email with more details.
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Note: Prospective applicants include government entities, states, tribes, nonprofit organizations, community colleges and workforce investment boards. For more information on EPA’s Environmental Workforce Development & Job Training Grant Program, please visit www.epa.gov/brownfields/job.htm
Detroiters Working For Environmental Justice
Detroiters Working for Environmental Justice works with communities to create cleaner, healthier and safer neighborhoods.
Vision
DWEJ envisions Detroit as a vibrant urban center in SE Michigan where all thrive in environmental, economic, and social health. We aim to foster sustainable communities by:
- Reducing health hazards
- Encouraging sustainable development
- Influencing economic vitality in the communities we serve
Since 1994, DWEJ has been a voice for environmental justice in Michigan. Historically, minority and low-income populations have suffered disproportionately from environmental pollution, often because they have the least capacity to respond. DWEJ is dedicated to empowering urban residents to take a meaningful role in the decision-making process surrounding environmental concerns in their own communities.
They are also about building connections—between jobs and a healthy environment, community development and environmental justice, community-driven policy and economic development.
Guy Williams, CEO
Guy Williams is a DWEJ founding member and also served for many years on the Board of Directors. He has been the CEO of DWEJ for two years. Williams was formerly the owner of the consulting firm G.O. Williams & Associates, LLC. He waas previously Program Manager at Fair Food Foundation, Sr. Director, Community Relations and Great Lakes Regional Director at National Wildlife Federation, He is a graduate of Bucknell University.
He served as Chair of the Washtenaw County Brownfield Redevelopment Authority, on the board of the S.E. Michigan Sustainable Business Forum and Vice-Chair of the national board of the Rails-to-Trails Conservancy. He is a member of the External Advisory Committee of the University of Michigan’s Center for Sustainable Systems, Great Lakes Leadership Academy Board of Governors and the Michigan Green Chemistry Roundtable.
Williams is a registered lobbyist in the State of Michigan, board member of Eastern Market Corporation (Detroit), recent past president of the Legacy Land Conservancy and board member of Detroiters Working for Environmental Justice.
EPA Announces 2012 EJ Small Grants
The 2012 grants support activities that address a range of community concerns including restoring and protecting waterways, reducing exposure to air pollutants from diesel exhaust and seeking healthier alternatives to household pesticides.
Environmental justice is defined as the fair treatment and meaningful involvement of all people, regardless of race or income, in the environmental decision-making process. Since 1994, EPA’s environmental justice small grants program has supported projects to address environmental justice issues in more than 1,300 communities. The grants represent EPA’s continued commitment to expand the conversation on environmentalism and advance environmental justice in communities across the nation.
2012 EJ Small Grant recipients and project descriptions
More information about EPA’s Environmental Justice Small Grants program
Request for Proposals (RFP) for the FY 2013 Environmental Justice Small Grants and schedule of pre-application teleconference calls.
EPA January Community Call Jan 17
EPA Environmental Justice Quarterly Community Outreach Call - January 17, 2013. Additional details will follow in January.
Administrator Lisa P. Jackson has made Expanding the Conversation on Environmentalism and Working for Environmental Justice one of EPA’s top priorities. In support of this priority, we invite environmental justice advocates to participate on our next Environmental Justice Community Outreach Call, which will take place on January 17, 2012.
The purpose of these calls is to provide information to participants about the Agency’s EJ activities and maintain an open dialogue with EJ advocates. As EPA continues to advance Plan EJ 2014, the Agency hopes that these calls will better inform the public about EPA’s EJ work and enhance opportunities to take advantage of federal activities.
Listen to, or read about, previous calls.
We are taking suggestions on agenda topics for the upcoming call. After receiving your suggestions, we will select the topic(s) that are of general concern to communities. Please keep in mind that the call will only last one hour, so the number of topics discussed will be limited. Submit a topic.
For more information about the Administrator’s priorities
For more information about Plan EJ 2014
EPA Seeks Nominations for Annual Environmental Quality Awards
EPA is now seeking nominations for this annual award. Winners will be honored at an awards event in April 2013. Each winner will receive a plaque recognizing her or his environmental achievement at a ceremony during Earth Week. The Agency is accepting nominations for its Environmental Quality Awards until February 19, 2013.
EPA wants to recognize businesses, individuals, organizations and government agencies that often blaze the trail on a range of environmental protection and public health issues. Everyone is encouraged to submit nominations that illustrate outstanding environmental accomplishments. The awards recognize achievement in six categories:
- Business and Industry
- Individual Citizen
- Non-Profit Organization, Environmental or Community Group
- Environmental Education
- Federal, State, Local or Tribal Government or Agency
- Print and Broadcast Media
27 Aralık 2012 Perşembe
EPA Releases Update on Ongoing Hydraulic Fracturing Study
FOR IMMEDIATE RELEASEDecember 21, 2012
EPA Releases Update on Ongoing Hydraulic Fracturing Study
WASHINGTON - The U.S. Environmental Protection Agency (EPA) today provided an update on its ongoing national study currently underway to better understand any potential impacts of hydraulic fracturing on drinking water resources. Results of the study, which Congress requested EPA to complete, are expected to be released in a draft for public and peer review in 2014. The update provided today outlines work currently underway, including the status of research projects that will inform the final study. It is important to note that while this progress report outlines the framework for the final study, it does not draw conclusions about the potential impacts of hydraulic fracturing on drinking water resources, which will be made in the final study.
As the administration and EPA has made clear, natural gas has a central role to play in our energy future, and this important domestic fuel source has extensive economic, energy security, and environmental benefits. The study EPA is currently undertaking is part of EPA’s focus to ensure that as the Administration continues to work to expand production of this important domestic resource safely and responsibly.
Among the information released today are updates on 18 research projects and details on the agency’s research approach as well as next steps for these ongoing projects and analyses. Today’s update follows the public release, in November 2011, of the agency’s final study plan, which underwent scientific peer review and public comment.
EPA has engaged stakeholders, including industry, to ensure that the study reflects current practices in hydraulic fracturing. EPA continues to request data and information from the public and stakeholders and has put out a formal request for information which can be accessed through the federal register at: https://www.federalregister.gov/articles/2012/11/09/2012-27452/request-for-information-to-inform-hydraulic-fracturing-research-related-to-drinking-water-resources
EPA also expects to release a draft report of results from the study in late 2014. The study has been designated a Highly Influential Scientific Assessment, meaning it will receive the highest level of peer review in accordance with EPA’s peer review handbook before it is finalized. The 2014 draft report will synthesize the results from the ongoing projects together with the scientific literature to answer the study’s main research questions.
EPA's Science Advisory Board (SAB) is forming a panel of independent experts which will review and provide their individual input on the ongoing study to EPA. The SAB will provide an opportunity for the public to offer comments for consideration by the individual panel members. For more information on the SAB process, please visit: http://yosemite.epa.gov/sab/sabpeople.nsf/WebCommittees/BOARD
More information: www.epa.gov/hfstudy
R 205
Preliminary results from investigation of injection wells at Lahaina wastewater facility
For Immediate Release: December 21, 2012Contact: David Yogi, yogi.david@epa.gov, (415) 972-3350
Preliminary results from investigation of injection wells at Lahaina wastewater facilityTracer dye detected in offshore seeps
HONOLULU – The U.S. Environmental Protection Agency released preliminary results from an ongoing investigation by federal and state agencies to evaluate the fate of effluent from the Lahaina Wastewater Reclamation Facility near the Kaanapali coast of Maui.
According to the interim report one of two tracer dyes introduced in the wells was detected at the coastal seeps, located roughly one-half mile southwest of the Lahaina facility and between 3 and 25 meters from shore. The dye detection establishes a hydrologic connection between the Lahaina facility’s treated wastewater injection wells and the monitored submarine seeps. The studies are inconclusive for detection of the second tracer dye, although data collection at the seeps continues.
While the report confirms a hydrologic connection between the injection wells and the near-shore seeps, monthly sampling of the seeps by Hawaii Department of Health has detected no bacterial indicators. In addition, DOH monitoring near the seeps indicates bacterial levels that are low or non-existent, and well within the range considered safe for swimming. In 2011, EPA required the County of Maui to increase their level of wastewater disinfection prior to injection. In addition, the County is on schedule to meet EPA requirements to achieve full ultraviolet disinfection of all wastewater at the Lahaina facility by December 2013.
“We now have a much better understanding of the movement of the wastewater injected in Lahaina,” said Jared Blumenfeld, EPA’s Regional Administrator for the Pacific Southwest. “Although we continue to collect and analyze data, the findings underscore the need for EPA and the Hawaii Department Health to consider any and all regulatory tools to ensure protection of public health and the marine habitat, including nearby coral reefs, in West Maui.”
It took just under three months for the tracer dye to first appear at the seeps, however, the results suggest an average travel time from the injection wells to the submarine seeps in excess of seven months. Additional key results include the temperature, salinity, pH, nutrient concentrations, and discharge rate of the monitored submarine discharges.
Funded by the U. S. EPA, U.S. Army Corps of Engineers, and the Hawaii Department of Health, the University of Hawaii has been studying the effluent flow from Lahaina’s injection wells to the near-shore ocean water since July 2011. The researchers will continue to collect data from water samples from the identified discharge points through the end of 2012. They will also continue their data analysis and modeling to clarify the processes that affect the transport of the treated wastewater effluent and its eventual discharge into the marine environment. A final report on the results of the tracer dye study is expected in June 2013.
To see the Interim Report, please visit: www.epa.gov/region9/water/groundwater/uic-permits.html#lahaina
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EPA Awards $65,000 to the Comanche Tribe of Oklahoma to Improve and Protect Its Water Quality
EPA Awards $65,000 to the Comanche Tribe of Oklahoma to Improve and Protect Its Water Quality
(DALLAS – December 21, 2012) The Environmental Protection Agency has awarded the Comanche Tribe of Oklahoma $65,000 to provide continued support for the tribe’s water pollution control program. The funds will be used to take samples to assess surface water quality on tribal lands, compile data which may show changes over time and determine if a more thorough watershed management program is needed. Sampling data will determine whether water quality standards are being met, note any changes in the quality or condition of the tribe’s water, and provide planning tools to improve the function and health of stream ecosystems.
The mission of the EPA is to protect public health and the environment. The EPA supports efforts to improve the quality of tribal land watersheds. This cooperative spirit supports work to protect water quality that ensures the health of watersheds that cross state and tribal boundaries.
Additional Information on EPA grants is available at http://www.epa.gov/region6/gandf/index.htm
More about activities in EPA Region 6 is available at http://www.epa.gov/aboutepa/region6.html
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General Biodiesel settles with EPA for hazardous chemical and emergency planning violations
(Seattle - December 26, 2012) General Biodiesel, in south Seattle, will pay a penalty for failing to report their hazardous chemicals in violation of federal emergency planning laws, according to a consent agreement with the U.S. Environmental Protection Agency.General Biodiesel converts used cooking oils, fish oil, vegetable oil, and animal fats into biodiesel fuel and glycerol in a process that uses hazardous chemicals including methanol, sodium methoxide, and sulfuric acid. In 2009 and 2010, General Biodiesel failed to submit Emergency and Hazardous Chemical Inventory forms to the Seattle fire department, King County emergency management, and Washington's Emergency Response Commission."When a company fails to report their hazardous chemicals to emergency planners and responders, they put their employees and the community at risk," said Kelly McFadden, EPA's Pesticides and Toxics Unit Manager in Seattle. "This information is critical to alert federal, state, and local officials to prevent injuries or deaths to emergency responders, workers, and the local community."Failure to report large amounts of hazardous chemicals to appropriate agencies is a violation of the federal Emergency Planning and Community Right-to-Know Act.General Biodiesel agreed to pay a $62,985 penalty and fully comply with federal emergency planning rules to protect their workers, emergency responders, and the local community.For information on the Emergency Planning and Community Right to Know Act, visit: http://www.epa.gov/compliance/civil/epcra/epcraenfstatreq.htmlMore information on the Emergency Planning and Community Right to Know Act in Washington is available at: http://www.ecy.wa.gov/epcra/index.html
Indian City Overwhelmed by Air Pollution – New Delhi Journal
The New York Times
Thursday, December 27, 2012
Indian City Overwhelmed by Air Pollution – New Delhi Journal
By NIHARIKA MANDHANA
NEW DELHI — When an acrid blanket of gray smog settled over India’s capital last month, environmentalists warned of health hazards, India’s Supreme Court promised action and state officials struggled to understand why the air had suddenly gone so bad.
The heavy smog has dissipated for the moment, but it has left behind a troubling reality for one of India’s most important cities: Despite measures to improve air quality, pollution is steadily worsening here, without any simple solutions in sight.
“This is like a ding-dong battle,” said Sheila Dikshit, the chief minister of the State of Delhi, moving her fingers like the flippers of a pinball machine. “We catch up with something; the pressures catch up more than that.”
Delhi, a growing metropolis of nearly 20 million people, has struggled to reconcile its rapid economic growth with environmental safeguards. Over a decade ago, the city introduced a host of policies that raised emission standards, closed polluting industries and expanded green spaces. It made a costly investment to convert the city’s buses and auto rickshaws to compressed natural gas. For a time, air quality visibly improved.
But those gains have been overwhelmed in recent years. “We have already plucked the low-hanging fruits, so to speak,” said Anumita Roychowdhury, the executive director of the Center for Science and Environment here. “Now it’s time for aggressive, second-generation reforms.”
Ms. Roychowdhury and other environmentalists say the government must now concentrate on slowing the rising number of vehicles on New Delhi’s roads. Each day, about 1,400 new vehicles hit the roads of the city, already home to over seven million registered vehicles, a 65 percent jump from 2003. As a result, fine-particle pollution has risen by 47 percent in the last decade. Nitrogen dioxide levels have increased by 57 percent.
Environmentalists recommend a hefty tax on diesel vehicles, a steep increase in parking charges and a rapid upgrade of the public transportation system to ensure more timely bus service and a better integration of buses and the metro rail system.
For more, visit www.nytimes.com.
20 Aralık 2012 Perşembe
Checkout this Olathe 2 Story Home For Sale with an Open Floorplan - Olathe , KS. Real Estate
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The information being provided is deemed reliable but not guaranteed. All information must be verified by the purchaser. Listing information courtesy of: RE/MAX PREMIER REALTY The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc.(Heartland MLS). Copyright 2012, Heartland Multiple Listing Service, Inc. Heartland MLS and RE/MAX Kansas-Missouri do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. Listing Information last updated 12/15/2012. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private non-commercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Read Listing Data Terms of Use | |||||||||||||||
The Miracle Home® Program, exclusive to RE/MAX International, allows a RE/MAX Associate to make a donation on behalf of each transaction to Children's Miracle Network. The partnership underscores Sales Associate involvement in the communities in which they live and serve. RE/MAX Sales Associates are unique in that a majority of the donations received by Children's Miracle Network from RE/MAX are the result of Associates' hard work rather than solicited from customers.© 2005 The Susan G. Komen Breast Cancer Foundation.Each RE/MAX Office is independently Owned and Operated. © 2004-2012 Reliance Network and RE/MAX. This website is owned and operated by the RE/MAX brokers-owners in Kansas-Missouri, assisted by RE/MAX Mid-States. All rights reserved. US Reg. Copyright TX-5-910-991, TX-5-910-992, TX-5-910-993, and TX-5-910-994. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status or nation of origin. Equal Housing Opportunity. www.remax.com More RE/MAX website links |
For a reason...should we talk?
Another blog post written by: Dowell Taggart Team
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Comments are appreciated! Go ahead and add your 2 cents . . .
Good Bye Tax Credit, Hello Purchase Power
The following illustrates this point:
Using this same scenario, buyers purchasing a $400,000 home using an FHA loan have close to $18,000 more purchasing power. In other words, for the same monthly payment, today’s buyer could purchase a home worth $18,000 more than they could have on May 1, 2010.
Make sure you look at this Rent vs Own Blog that CLEARLY and HONESTLY shows that buying a home today is equally or more beneficial than buying with only a $8,000 tax credit incentive.
Who knows how long interest rates will remain this low, but for those looking to buy a home in the near future, this increase in purchase power could be their golden ticket. For specific guidelines and tips for getting even a sweeter deal while either purchasing or selling a home, reference the blog I wrote on Strategic Financing Using A Seller Interest Rate Buy Down.
Lastly, here is a good article that recently ran in the Wall Street Journal about the dip in interest rates and what it means for homebuyers and the U.S. economy: Home Buyers Get Surprise Boost From Europe Crisis as Loans Drop to Below 5%
These are a couple of very important facts and stats to present to your buyers and sellers... for more information, please contact me directly at (425) 350-7136 or dan.mortgageadvisor@gmail.com
Dedicated to Your Success,
Dan
a special thanks to Lennox Scott for providing the insight and information to this blog entry
Leaping Into Homeownership: How One Couple Just Navigated The Journey Toward Their 1st Home
The high school sweethearts were engaged last July and hadn’t given much thought to buying. Then Weller’s dad mentioned the $8,000 tax credit available that was available for first-time homebuyers who closed the deal by the end of last month.
“We thought we could have more space, invest some sweat equity; not just pay somebody else and not get anything out of it,” she said.
The Des Moines couple understood little about the home-buying process. Over the next couple of months, they learned about mortgages and not to jump too fast to buy the first house they liked.
A combination of government incentives and near record-low mortgage rates prompted legions of first-time homebuyers to take the plunge. Buying a home can be exciting, yet daunting because it’s a complicated process with potential pitfalls at every step. But, it doesn’t have to cause anxiety if you plan and find the right professional help.
Here’s look at the major steps in the journey toward home ownership.
Set a budget
Weller and Laubenthal were paying $800 a month in rent. They concluded that for a little more, they could buy a home, build equity and gain tax advantages.
When weighing affordability, it’s critical to factor in the tax advantages that homeownership provides. Namely real estate taxes, mortgage interest expenses and at least some mortgage insurance costs are deductible.
The IRS outlines home tax deductions at: www.tinyurl.com/y5x8gp8
Although tax deductions are a plus, ultimately you have to make sure you can still make your monthly payment and have money left over to live on. It’s helpful to use calculators like those available at the Federal Housing Authority website: www.tinyurl.com/2e9yz6
One rule of thumb: Your house payment including taxes, homeowner’s insurance and mortgage insurance shouldn’t exceed one-third of your gross income. So if your gross pay per month is $4,000, your house payment shouldn’t exceed $1,300.
Weller and Laubenthal figured they could afford a house between $130,000 and $150,000. That’s in line with the median price tag of $149,300 for a home in the Des Moines market. In the end their house payment was about $1,100 a month.
Qualify for a loan
Know what’s in your credit report before you meet with a banker. You are entitled to a free copy of your report each year from the major credit reporting agencies, Equifax, Experian and TransUnion. Copies can be obtained by visiting www.annualcreditreport.com.
You’ll have to pay an extra fee of about $8-$10 to obtain a credit score. Most commonly used by banks are FICO scores, which range between 300 and 850. Most people score in the 600s and 700s.
A FICO credit score above 700 generally will get you a more favorable interest rate. A score below 600 could mean you’ll pay 2 or 3 percent more, which over the life of a mortgage could cost thousands of dollars a year more.
Dan Keller has a website outlining how to build better credit at www.fixmycreditdan.com
You should review your reports months in advance to correct any errors and try to boost the score. If you are working with Dan Keller and his team, all of this information will be covered in the Pre-Mortagage Analysis and Credit Consultation.
The couple hoped they could be approved for at least their target price range. They were pleasantly surprised to find their credit allowed them to be prequalified. Prequalification outlines how much the bank estimates it can lend you. With this in hand, the couple started looking.
Shop for a home
Hire a real estate agent to set up visits, provide listings and who knows about homes that might soon be for sale. The agent also will draw up an offer and help negotiate a deal with the sellers. Be aware that not all real estate agents are Realtors, which means they are a member of the National Association of Realtors and are held to a code of ethics.
Seek recommendations and choose an agent you trust and who communicates well with you. The agent is paid a commission out of the closing costs. The current national average commission is about 5 percent, but it can vary significantly from market to market and it is negotiable.
The same day their loan preapproval came through the couple contacted Jerry Aldrich, a real estate agent recommended by Weller’s dad.
It’s wise to narrow your search by checking the Internet or driving through neighborhoods of interest. Look at more than just the homes. You’ll want to research quality of life matters, such as shopping, schools, nightlife and crime.
Weller and Laubenthal zeroed in on three small communities. They wanted their home to have at least three bedrooms, a two-car garage and a yard. Aldrich began sending them e-mail listings.
They liked the first house they toured. “I knew it fit their criteria, but I wouldn’t let them buy the first home they looked at without looking at a half dozen,” Aldrich said.
When looking for a home it’s important to ask lots of questions and try to look beyond the decor. Focus on the permanent features of the home and look beyond things you can easily change such as window treatments, carpeting and paint colors.
Over the next month, Weller and Laubenthal looked at 10 homes. Then one e-mail grabbed their attention.
It was a 4 bedroom, 2 bath home with a fenced backyard and 2½-car garage on a street with mature trees in a quiet neighborhood. It was listed for $151,900.
Aldrich arranged a visit. And they soon were convinced they’d found their home.
Strike a deal
Weller and Laubenthal made an offer at 6 p.m. They were both at work, but talked with Aldrich who submitted the paperwork that night. Within 90 minutes he had a counter offer. The couple countered again.
“Within two hours we had a house that night,” Laubenthal said. “It was crazy.”
It was easy in this case. But negotiating can often be stressful. Your agent will help you make an offer based on the home’s value and one that’s realistic for the market. The offer should be contingent on approval of your financing and a home inspection.
Once you’ve found you’re dream home, it’s time to figure out how you’ll pay for it. If you’ve been prequalified for a loan, some of the initial gathering of your financial background has been done. However, it’s time now to finalize the loan.
Weller and Laubenthal were surprised by the amount of information needed by the loan officer. Lenders are exercising extra caution due to the continuing high foreclosure rate.
Be prepared to provide pay stubs, past tax returns, checking and savings account bank statements for several months, 401(k) and IRA statements, and your drivers license.
It’s also wise to know the types of mortgages available. A fixed-rate mortgage is frequently chosen by buyers who know they’ll stay in the home for many years. It’s typically set for long terms such as 30 years, and your payments remain stable.
The average interest rate on a 30-year fixed-rate mortgage is 5.125 percent, according to Bankrate.com. That’s higher than a few months ago, but a decade ago, buyers were paying more than 8 percent. In October 1981 rates peaked at 18.5 percent.
An adjustable rate mortgage, one in which the monthly payment increases according to a preset schedule, is often selected by buyers who don’t plan to stay in their home past five years.
Inspect the home
An inspector will check the roof, walls and foundation, the heating, air conditioning and electrical systems.
You’ll receive a list of potential repairs and must decide which should be paid for by the seller. Major repairs could lead to renegotiating the price of the home. A serious problem will permit you to back out of the deal. That’s why it’s essential to make an offer contingent upon the inspection.
Before you close the deal, you’ll have a final walk-through of the home. This is an opportunity to make sure inspection issues were fixed.
Weller and Laubenthal were excited as they arrived at their home for the final inspection.
The couple reviewed a few issues mentioned in the inspection report — concerns about the circuit breakers and the refrigerator’s ice maker. Aldrich said he’d make sure a certified electrician made the required electrical repair and it was documented.
They went from room to room, checking out doors and windows. The couple looked over the kitchen appliances, looked through a garden shed in the backyard and checked the garage door opener to make sure it worked.
Ultimately they were happy and looked forward to their closing, set for the following week.
Close the deal
Be prepared to sign a slew of paperwork to close the transaction. Also, find out from your mortgage banker how much the closing costs will be so you’re not surprised. The costs include loan processing fees, the appraisal of the home, attorney fees and inspections. It’s common for buyers to negotiate closing costs as part of their offer, which means they ask the sellers to pay some or all of the costs.
On a typical mortgage, the bank will charge around 1 percent of the purchase price to do the loan. In addition to that, most borrowers will pay between $2,000 to $3,500 in costs. On a $200,000 home, generally expect origination and closing fees of $4,000 to $5,500.
This is the final step, though, once completed you’ll get the keys and the satisfaction of knowing you’re a homeowner.
For Weller and Laubenthal, the process was smooth. The sellers wanted to move closing up several weeks, so there was a rush to get the inspections, paperwork and moving arrangement done. There may be hiccups along the way, but your real estate agent, mortgage banker and title agents should all be able to help steer around potential problems.
All told, the homebuying process took two months for Weller and Laubenthal. Now they’re enjoying their home and have set their sights on the next big step — a June 26 wedding.
Steps toward home ownership -
The main tasks one couple completed on their way to owning a home:
1. Set a budget. Your house payment including taxes, homeowner’s insurance and mortgage insurance shouldn’t exceed one-third of your gross income. The initial Pre-Mortgage Analysis meeting with Dan Keller will give you the right information for you to make the best decision in determining your budget.
2. Qualify for a loan. It helps to know your credit score before meeting with a Dan Keller and his team. A FICO credit score above 740 generally will get you the most favorable interest rate.
3. Shop for a home. Seek recommendations to find a real estate agent who will help you narrow things down. I work with some of the area’s top Realtors, and would be happy to refer you a great agent.
4. Strike a deal. Negotiate for a price, then make sure you can lock in the financing to pay for it.
5. Inspect the home. Your offer should be contingent on an inspection and financing. Major repairs could lead to renegotiating the price of the home.
6. Close the deal. You’ll find out how much to expect in closing costs. On a $200,000 home, generally expect origination and closing fees of $4,000 to $5,500, and if the mortgage is a FHA or VA mortgage loan, then you will be asked to set-up an escrow account for property taxes and insurance. Typically consisting of 6-9 months property taxes paid in advance as well as 4-6 months of homeowner’s insurance. I usually recommend that closing costs for a VA or FHA (and USDA) loan are approximately 3-3.5% of the loan amount, and in most cases with first time home buyers, we request the seller pay the buyers closing cost to minimize additional funds to the down payment required to close the loan.
information gathered from the Associated Press 05/29/2010
Problem & Solution Series: FHA Property Qualifying Guidelines Checklist
I know for a fact that I have personally seen the increase in FHA/HUD loans over the past few years; and today, over 75% of loans being written are FHA loans. One of the factors leading to the increased popularity of FHA financing is the low down payment option and low credit score requirements. But as we know, with these types of numbers, comes guidelines; and such guidelines can pose huge problems for buyers, sellers, and realtors while trying to close a transaction.
Having learned the hard way, I decided it was time to document the more popular items that we've encountered during transactions so that you will not have to learn the hard was as we have. CLICK HERE to print your own copy of FHA Property Qualifying Checklist. Feel free to contact me directly if you may have any questions - (425) 350-7136 or email me at dan.mortgageadvisor@gmail.com
Follow Dan's FHA Page on Facebook - www.facebook.com/fhamortgagevalet
FHA Property Qualification Checklist
Everett FHA 203k Rehab Mortgage Program | How To Buy REO's In Bellevue, Seattle & Everett, WA
Recently I have been involved in 3 transactions that required repairs that exceeded my borrower's budget for the downpayment. The main purpose for writing this blog is two-fold:
(1) All 3 clients met with other realtors and loan officers that either tried to steer them in another direction, away from using the 203k loan, and even buying the one home they wanted to purchase. They were referred to me bacause of my knowledge, confidence and ability to fund these tough, but valuable mortgage loans.
(2) The other reason for writing this blog to to assist in building back some of our local communities by educating consumers, asset managers, realtors and banks of the power of this loan program.
The qualifying guidelines for this program fall under standard FHA Mortgage Guidelines:
- 620 min. Credit Score (Contact Dan Keller for 30-day Credit Repair)
- 3.5% Down Payment
- no debt-to-income restrictions, subject to AUS Findings
- down payment can be gifted from family, employer or non-profit organization
- non-occupying co-borrowers are allowed (a non-occupying co-signer)
- closing FHA 203k Rehab loans in 45 days or less!
The Seattle FHA 203k Rehabilitation Loan has two special program designed to help buyers:
1. The FHA 203k Rehab Streamline Program - this program allows for up to $35,000 in repairs to be done on the property and only 3.5% down, with min 620 fico score.
2. The FHA 203k Full Program - this program allows for total renovations and fall under regional FHA loan limits (King County $567,500). Please refer to the Powerpoint presentation on my Seattle FHA 203k Mortgage Website for more detailed information.
The FHA 203k loan program is basically a glorified home imprvement loan that is tied into one loan and a low, 30-yr fixed rate.
Some examples of repairs that are allowed are:
- Appliances
- Gutters, roof and down spouts
- Paint, and lead-based paint removal
- Flooring repairs
- Weatherizing, window, heating, plumbing, electrical...
- Additions and tear down of non-permitted work
... and so much more, please see the powerpoint presentation I have attached on my FHA 203k Website.
If you are a Realtor and are interested in better understanding the FHA 203k Rehab Program, please contact me directly at dan.mortgageadvisor@gmail.com and I will be happy to share with you everything you need to know to be prepared to market and offer this product to your clients.
If you are a homebuyer interested in using the FHA 203k Rehab program to buy your home and working with a local mortgage bank that specializes in FHA 203k mortgages, please contact me at www.mymortgageguydan.com directly at 425 350-7136.
16 Aralık 2012 Pazar
$610 Million in Grants Available for Energy Projects
LaRue County Schools Notes Significant Savings with Hybrid Buses
The district took delivery of the state’s first hybrid electric school bus in July, 2010 and has since saved 515 gallons of fuel and about $1500 compared to the traditional diesel powered school bus.
The hybrid electric system is a regenerative system that puts power back into the hybrid battery system when the driver applies the brake.
“The bus is used on the hilliest route we have to take advantage of the start and stop braking” says Phil Fulkerson, Director of Transportation & Maintenance for the LaRue County School District.
In addition, reduced brake wear, and continued support from ThomasBuilt Buses, Whayne Power Systems, and Eaton – the bus and hybrid system manufacturers – are credited with LaRue’s successful hybrid performance results.“It makes a lot of sense from my perspective,” says LuRue Superintendent Sam Sanders, “We can be more green, buy less fuel, decrease carbon emissions, and do what we can for future generations.“ Three additional hybrid electric buses have been added to the LaRue fleet. All are expected to be on the road by the end of September, and Superintendent Sanders is interested in buying more.
Thirty-two school districts across Kentucky currently operate 125 hybrid electric buses. Kentucky is home to the largest hybrid electric school bus fleet in the nation.
A total of 215 hybrid buses will be purchased with a grant from the U.S. Department of Energy awarded in December 2009. The Kentucky Department of Education and the Kentucky Clean Fuels Coalition, a non - profit organization, administer the grant.
For more information about the program, visit http://www.kentuckycleanfuels.org/resources/hybridhorsepower.htm
KCFC's Melissa Howell Inducted into the Clean Cities Hall of Fame
The Clean Cities Hall of Fame recognizes outstanding contributions to the Clean Cities mission of reducing petroleum use in U.S. transportation. Inductees are ambassadors for alternative fuels and champions for fuel economy. Their exemplary dedication and leadership are paving the way for a new transportation future.
Kentucky Clean Fuels Coalition Executive Director Melissa Howell was inducted in 2011, the Hall of Fame's inaugural year.
Melissa Howell is a cornerstone of Clean Cities. She has been with the program since its beginning in 1993, when she helped found Kentucky's Commonwealth Clean Cities Partnership. Ever the consummate professional, Howell's dedication to reducing petroleum use in transportation has weathered all manner of political and economic conditions. Howell is known for her persistence in inspiring fleets to action, and she brought several high-profile stakeholders to the alternative-fuel table, including Mammoth Cave National Park, Fort Knox military base, UPS, and the World Equestrian Games. And thanks to Howell's leadership, thousands of children across the state of Kentucky ride to school on hybrid electric and biodiesel buses.
Howell is the original Clean Cities mentor, having coached new coordinators to success long before a formal mentorship program was established. She is always willing to share her vast experience and knowledge with other coalitions to reinvigorate stalled projects and instill confidence in rising leaders. Howell's impressive body of work with Clean Cities makes her the example other coordinators seek to follow.
In 2008, Howell was named Clean Cities Coordinator of the Year, and in 2005, she received the Southeast Region Award.
See all of the Clean Cities Hall of Fame inductees - http://www1.eere.energy.gov/cleancities/hall_of_fame.html
Meet Kentucky's Greenest Fleets
Breathitt County Board of Education
Jefferson County Public Schools
Kentucky Department for Environmental Protection
Kentucky Division of Fleet Management
Lexington-Fayette Urban County Government
Louisville Regional Airport Authority
Mammoth Cave National Park
Mercer Transportation Company
Murray State University
Transit Authority of River City
UPS
Waste Management of Kentucky
Learn more about each Pioneer Fleet Member's fleet greening efforts and the Green Fleets of the Bluegrass Program
The Pioneer Green Fleets members proudly display their certificates. |
America's Natural Gas Highway Coming to Kentucky Thanks to Clean Energy
Read more about the Clean Energy program - http://www.kentuckycleanfuels.org/resources/naturalgashighway.pdf.
12 Aralık 2012 Çarşamba
Announcing the Apps for Vehicles Challenge
This is an excerpt from EERE Network News, a weekly electronic newsletter.
December 12, 2012
Announcing the Apps for Vehicles Challenge
By Patrick B. Davis, Vehicle Technologies program managerHere at the Energy Department's Vehicle Technologies Program, we’re revved up about the next great smartphone app: yours.That's why we're launching the Apps for Vehicles Challenge, which is looking for the best business plans, app ideas, and product designs that use open vehicle data to help vehicle owners save fuel, save money, and stay safe.Improving fuel efficiency is a national priority. With the country spending about $1 billion per day on foreign oil, the Obama Administration spearheaded changes to fuel economy standards that will double fuel efficiency for cars and light trucks by 2025. Automotive manufacturers are working to meet this target, but everyday drivers, businesses, and the public sector can also contribute toward meeting these national goals. For example, the Department of Energy's Vehicle Technologies Program is managing some of the most fascinating research projects and deployment programs in the country to support the cars and trucks of the future. Furthermore, in terms of what individual vehicle owners or fleet managers can do, there is an emerging set of tools that leverage open data to improve safety and fuel efficiency. For the complete story, see the Energy Blog.New Rolla City Council members attend Elected Officials Training
Theconference, which was attended by hundreds of newly elected officials acrossthe state, consisted of a comprehensive overview of municipal government,including what it looks like and how it works. Some of the areas coveredincluded: the municipal budget process; conflict resolution; liability andrisk; the Missouri Open Meetings and Records Law; public works contracts, economicdevelopment; taxation and revenue; ethics and the many services provided by theMissouri Municipal League. “Thisconference is a great overview to municipal government,” said John Butz, CityAdministrator. “In addition to the great training it provides, it also provideselected officials an opportunity to meet with and network with other elected andgovernment officials who are facing the same kind of challenges and issues weare in Rolla.”The Missouri Municipal League, an independent,statewide not-for-profit association governed by a Board of Directors, wasorganized in 1934. Its aim has been "to develop an agency for thecooperation of Missouri cities, towns and villages and to promote the interest,welfare and closer relations among them in order to improve municipalgovernment and administration in the state." Thus, the League's basic goalis to strengthen cities through unity and cooperation.
City of Rolla Weekly E-Updates (June 18, 2012)
RollaCity Council Mtg.,June 18Thenext Rolla City Council meeting will be held on Monday, June 18 at 6:30 p.m. inthe Council Chambers at Rolla City Hall, 901 N. Elm Street.RollaCity Council meetings are ordinarily held the first and third Monday of themonth at 6:30 p.m. except when there is a conflict with an observed holiday.
To review a copy ofthe City Council agendas or the full agenda packet, please visit http://rollacity.org/admin/agenda.shtml#agenda. For more information, please contactRolla City Administration at 426-6948.
New Rolla City Councilmembers attendElected Officials TrainingNewlyelected Rolla City Council members Kelly Long (Ward 3) and Steve Leonard (Ward2), recently attending the Missouri Municipal League 2012 Elected OfficialsTraining Conference on June 14 and 15 at the Capitol Plaza Hotel in JeffersonCity. Theconference, which was attended by hundreds of newly elected officials acrossthe state, consisted of a comprehensive overview of municipal government,including what it looks like and how it works. Some of the areas coveredincluded: the municipal budget process; conflict resolution; liability andrisk; the Missouri Open Meetings and Records Law; public works contracts, economicdevelopment; taxation and revenue; ethics and the many services provided by theMissouri Municipal League. “Thisconference is a great overview to municipal government,” said John Butz, CityAdministrator. “In addition to the great training it provides, it also provideselected officials an opportunity to meet with and network with other elected andgovernment officials who are facing the same kind of challenges and issues weare in Rolla.”TheMissouri Municipal League, an independent, statewide not-for-profit associationgoverned by a Board of Directors, was organized in 1934. Its aim has been"to develop an agency for the cooperation of Missouri cities, towns andvillages and to promote the interest, welfare and closer relations among themin order to improve municipal government and administration in the state."Thus, the League's basic goal is to strengthen cities through unity andcooperation.
Child Safety Seat Clinicset for June 19-21Thepublic is invited to attend a FREE Child Safety Seat Clinic on Tuesday, June19; Wednesday, June 20; and Thursday, June 21 from 1 p.m. to 3 p.m. at the Cityof Rolla Fire and Rescue headquarters (located at 1490 E. 10thStreet in Rolla).Duringthis clinic, certified child safety seat technicians will inspect your childcar seat, and show you how to correctly install and use it.Accordingto the National Highway Traffic Safety Administration, three out of four childsafety seats are improperly installed. In 2011, eight children less thaneight-years-old were killed and 1,624 children were injured as occupants inmotor vehicle crashes in Missouri.Alimited number o seats are available at no charge to those that meet incomeguidelines. For more information on this program, please call Lynette Manley,City of Rolla Fire & Rescue, at 364-3989 or Lisa at the Phelps CountyHealth Department at 458-6030.
Public WorksDept. finishespaving of Forum DriveBy Mayor Bill Jenks, IIIThelong awaited milling, excavating and paving (six inches of asphalt) of ForumDrive from 18th Street to Old St. James Road was completed about twomonths ahead of schedule last Friday by the Public Works Street Division. Realizinghow many residents live along this stretch of Forum Drive and how importantthis east/west collector is, I’m very pleased that the project was completed asquickly and efficiently as it was. Iwould first like to thank the residents and business owners in this area andthose who use this section of Forum Drive for your continued patience, cooperationand understanding throughout the duration of the project. A special thanks alsogoes out to Steve Hargis, Director of Public Works; Dave Phelps, StreetConstruction Foreman; Gene Stroup, Project Coordinator, and all the members ofthe Street Department for all their hard work and effort. Nosooner will the Forum Drive paving project conclude, that the first phase ofthe Public Works Services Yard will begin this week with the construction of anew Vehicle Maintenance Facility and Sanitation Department building. The PublicWorks Services Yard is located at the end of McCutchen Drive behind the RollaRecycling Center (located off Old St. James Road.) InOctober 2005, the City purchased what was then known as the Meade Technologysite, which consisted of 102.3 acres, for the development of the Public WorksServices Yard. The City has since purchased an additional 30 acres forstormwater improvements and future expansion of industrial properties. The new VehicleMaintenance facility (currently located at 18th and Old St. JamesRoad), and new Sanitation Division building (currently located off Sharp Roadnear the Rolla Animal Shelter), will replace the badly deterioratingstructures. The majority of the required funding (about $1.8 million) for theconstruction of the new buildings will be provided by the City’s EnvironmentalServices’ reserve account. The construction of those new buildings, which wascontracted out to Bales Construction, is currently underway and should becompleted by the end of 2012. Futurephases of the Public Works Services Yard, based on available funding, includeconstruction of a new Street Division building, and Animal Shelter, which arealso currently located off Sharp Road. These projects have been designed and discussedon a few different occasions, and plans are underway, but construction willmost likely take a few years to get off the ground, depending on the economic climate,and available funding sources. Oneother Public Works related project that is just around the corner is the paving(overlay of 2 inches of asphalt) of Forum Drive from 10th Street allthe way to Hwy. 72. This paving project will begin sometime next week. We againask for your patience and cooperation, as we post detour signs, and try tocomplete this project with minimum disruption and inconvenience to ourresidents and visitors. Forum Drive is a very heavily traveled north/southarterial road that thousands of cars, trucks and buses use on a daily basis,and we realize the importance of keeping this road in excellent condition.Inclosing, I’d like to remind property owners who have recently remodeled orre-sided their homes, or whose address numbers are not visible, to ensure theirstreet or property address is easily identifiable somewhere on the structureand visible from the street. This requirement is in keeping with the City’sOrdinance relating to Chapter 6 (Sec. 6-1, Article 1 – In General) “Street numbers required of property ownerson dwelling or structure.” If youhave any questions relating to these requirements, please contact Rolla CityAdministration at 426-6948.Enjoythe weekend and have a safe week!
City urges residentsand businesses to maintain propertiesThefull force of another Missouri summer is upon us and so is the rapid growth ofgrass, weeds and vegetation. Unsightly weeds, extremely long grass, andovergrown vegetation throughout various areas of the City of Rolla has promptedthe City’s Code Enforcement Division and Street Department to enforce Citycodes that will ensure compliance with proper yard and business maintenance. TheCity’s code “Permitting Growth of High Weeds, etc., Prohibited” (Article II,Section 28-14) states that all weeds, brush, or rank vegetation will be cut andmaintained at a height of 12 inches or less. Failure to comply with these codes(Section 28-11 to 28-17) may result in a City abatement or a summons beingissued. “Wewould like to remind home owners and property owners throughout the City toplease be vigilant regarding the maintenance and upkeep of your yards,businesses and properties,” said John Butz, City Administrator. Formore information regarding this issues, please contact the City’s CommunityDevelopment Department at (573)364-5333.
RollaParks andRecreationoffersCardioTennisImproveyour fitness and tennis at the same time by joining the new Cardio Tennis programoffered by the Rolla Parks and Recreation Department.Classesmeet Monday and Wednesday mornings from 9 a.m. to 10 a.m. at Ber Juan TennisComplex starting Monday, June 4. The monthly fee is $40, with Centre membersreceiving a $5 discount.CardioTennis is a high energy fitness activity that combines the best features of thesport of tennis with cardiovascular exercise, delivering the ultimate, fullbody, calorie burning aerobic workout. It is a very social and fun class forplayers of all ability levels taught by a tennis teaching professional. Ifyou’ve never played tennis before it is a great way to be introduced to thesport and if you are an experienced high level tennis player it is the best wayto train for tennis.Mostclasses have mixed ability and some facilities offer classes which are morespecific to ability/fitness level. However, regardless of ability or fitnesslevel, the tennis professional is trained to provide the ultimate workoutfor each person.Formore information, or to register for this class, please contact the Rolla Parksand Recreation Department at 341-2386 or via e-mail atkristy@rollacity.org.
RPDcracks downonimpaired driversduringmonth of JuneTheRolla Police Department will be cracking down on impaired drivers by conductinga sobriety checkpoint during the month of June 2012. Lawenforcement efforts will be increased in an endeavor to reduce the deaths andserious injuries caused by impaired drivers. Those caught drinking and drivingcould lose their license, money, and freedom. Formore Information, please contact Sgt. Tim Mayfield at (573) 308-1213 or visit www.saveMOlives.com.
Relaxand cool offatSplashZoneallsummer longConsideredone of the best vacation and summer values in the Ozarks Highlands, SplashZone,Rolla’s outdoor water park, will remain open throughout the summer monthsMonday through Friday (noon-7) and Saturday and Sunday (noon-6 p.m.). Closingday at SplashZone will be on Labor Day, Monday, Sept. 3.Locatedin beautiful Ber Juan Park at 14th and Holloway Streets, thisfun-filled water park includes a leisure pool with beach-like entrance,interactive play structure, lazy river, the “world’s largest” vortex, and twogiant water slides. Admissionto SplashZone is $4.50 for individuals age four and above. For children agethree and under, there is no charge. Value passes are $75 for 20 visits. Formore information for special events, private rentals, swimming lessons andother information, please call SplashZone at 364-8222 or 341-2FUN.
City urges propertyowners to displayaddress numbersTheCity of Rolla Fire and Rescue is conducting their annual business safety inspections,and one of the items they check for is a visible and conspicuous address numberto identify the location of each business. Byproperly displaying address numerals that contrast with the color of thedwelling, fire, safety and medical responders can more quickly identify aproperty when responding to an emergency call, or during other safety ormedical related matters. “Whenlives are at risk, visible property address numbers really count,” said FireChief Robert Williams, City of Rolla Fire & Rescue. “And emergency servicespersonnel don’t need to be wasting your time guessing at addresses.”Inaddition, property owners who have recently remodeled or re-sided their homes,or whose address numbers are not visible, need to ensure their street orproperty address is easily identifiable somewhere on the structure and visiblefrom the street. A violation of the requirements of thisOrdinance shall constitute an offense which could be punishable by a fine notto exceed $50. Thisrequirement is in keeping with the City’s Ordinance relating to Chapter 6 (Sec.6-1, Article 1 – In General) “Streetnumbers required of property owners on dwelling or structure.” If you have any questions relating to theserequirements, please contact Rolla City Administration at 426-6948.
RollaDowntown Farmer’sMarketopenevery TuesdayTheRolla Downtown Farmer’s Market is open and operating under the new shadestructure in the lower parking lot of Rolla City Hall from 7 a.m. until 12-nooneach Tuesday throughout the growing season.TheFarmer’s Market is coordinated by Roy Fiscus and Wilma Bingham, and spots areavailable for vendors to sell their items, but they must be locally grown ormade products/produce (Phelps County). Noflea market, yard sale type items will be permitted. All spots are first come,first served. The cost to host a booth is $2 per day, which is given to theorganizers the day the vendors are there. Foradditional information, please contact Roy Fiscus at 341-8045 or Wilma Binghamat 364-5544.
Rolla Lions Club Carnival set forJuly 4-7The77th annual Rolla Lions Club Carnival will be held Wednesday, July 4through Saturday, July 7 at beautiful Lions Club Park (located on Hwy. 63South). Rolla’shometown July 4th celebration draws thousands of folks from SouthCentral Missouri who love the carnival rides, outstanding fireworks, andgreat-tasting burgers, funnel cakes, steak sandwhiches, and cotton candy.Thisyear’s Carnival will feature wristband nights for rides as well as stunning fireworksdisplays that light up the sky. Allproceeds from the Carnival benefit Rolla Lions Club Park, vision and hearingprograms, area youth activities and scholarships for local students. Formore information, visit http://www.rollalions.org/~lions/carnival. Environmental Services Important Dates (clip& save coupon)July 4, 2012 - Independence Day: Schedule will not change.Sept. 3, 2012 - Labor Day: Monday’s trash will be picked up Tuesday; Tuesday’s trash will be pickedup Wednesday.Oct. 6, 2012- Citywide Fall Clean Up:Saturday - Citywide clean up day (residential only).Nov. 22, 2012 – Thanksgiving Day: Thursday’strash will be picked up Wednesday.Dec. 25, 2012 –Christmas Day: Tuesday’s trashwill be picked up Wednesday..HolidaysNOT affecting trash or recycling collection: Oct. 8, 2012 – Columbus Day Nov. 12, 2012 – Veteran’s DayNov. 23, 2012 – Day after Thanksgiving
Rolla Channel 16live streaming24/7 on the Web Ifyou happen to miss the airing of a Rolla City Council meeting, Planning &Zoning meeting, Rolla Public School Board meeting or Board of Public Worksmeeting, you can now watch them live on the Rolla Channel 16 Website at http://rollachannel16.com. RollaChannel 16, Rolla’s premiere Education and Government channel, is also now livestreaming (24/7) at http://rollachannel16.com. RC16 is live streaming all RollaCity Council meetings, Rolla Planning & Zoning Commission meetings, RollaPublic Schools board meetings, Rolla High School Review and “City Minutes”hosted by the City of Rolla’s Communications Office. Othersyndicated content on RC16 such as Missouri Outdoors, Army Newswatch, andCapitol Dialogue will also live stream on RC16 at http://rollachannel16.com. Formore information regarding programming or DVD duplication of Rolla City Councilmeetings, Rolla Planning & Zoning meetings, and Rolla Public Schools boardmeetings, etc., please contact Gabe Mankin, Digital Media Operations Manager, at(573) 426-3377 or at Gabe.Mankin@fidelitycommunications.com. Besure to watch Rolla Channel 16 – Education, Government and Community for you!
Upcoming Events JUNE 2012June 18 – City Council Mtg. (6:30 p.m.)June 19 – FREE Child Safety Seat Clinic (1-3 p.m.); City ofRolla Fire & Rescue, 1490 E. 10th Street (364-3989)June 20 – FREE Child Safety Seat Clinic (1-3 p.m.); City of RollaFire & RescueJune 21 – FREE Child Safety Seat Clinic (1-3 p.m.); City ofRolla Fire & Rescue
JULY 2012July 2 – City Council Mtg. (6:30 p.m.)July 4 – City Hall closed for Independence Day holidayJuly 4-7 – Lions Club Carnival, Lions Club Park, Hwy. 63 SouthJuly 14 – Cruise In (5-8 p.m.); JC Penney Parking Lot, SouthsideShoppers WorldJuly 16 – City Council Mtg. (6:30 p.m.)
AUGUST 2012Aug. 6 – City Council Mtg. (6:30 p.m.)Aug. 11 – Cruise In (5-8 p.m.), JC Penney parking lot, SouthSide Shoppers WorldAug. 18 – Relay for Life (noon-midnight); Lions Club Park, Hwy.63 SouthAug. 20 – City CouncilMtg. (6:30 p.m.)Scott A. GrahlCommunications DirectorCity of Rolla, Missouri(573) 426-6943Follow us on Facebook & Twitter at www.rollacity.org