Beloved local actress Colleen Burns died Friday, June 10 at age 58. Burns caught audiences' attention at the Madison Repertory Theatre beginning in the 1970s, demonstrating comic flair in such plays as Nunsense and A...My Name is Alice. She went on to make significant contributions as a playwright, composer, cofounder of Forward Theater Company, and actress over the next 30-plus years. Friends and colleagues at Forward Theater offered tributes to her memory. The following cover story by Judith Davidoff was published in July 22, 1994, edition of Isthmus.
During dinner at Gino's a few years ago, Colleen Burns and Jack Forbes Wilson noticed that their waitress was acting a little peculiar. Then, at the end of the meal, she leaned over the table and whispered, "I just have to say I saw A…My Name Is Alice five times and I love the potted palm lady."
"It happens all the time," say Burns of such encounters. What so enthralled the waitress was Burns' menacing portrayal of a half-crocked poet in the Madison Repertory Theatre's all-woman musical revue. The poet has been spurned one too many times, and at the end of each poem she screams out the source of her misery: "He did it!"
A 20-year veteran of the Madison Rep and other regional theaters, Burns has appeared in all seven of the Rep's productions of Alice, along with last year's A…My Name Is Still Alice. "I was, and still am, stunned by the response to Alice," she says. "It's a phenomenon and something that most people never experience in their careers."
Beginning July 22, Burns returns to the Isthmus Playhouse in a production she's co-written with Wilson, the Rep's musical director for the past several summers. Consumer Affairs: A Guide to Love in the '90s is "Alice for boys," says Burns. "We set out to have the same flavor, but be more universal in that men have as good a time at it as the women."
An abbreviated version of the play was a big hit earlier this year at the Milwaukee Rep's Stackner Cabaret. The complete production, co-directed by the UW-Madison's John Staniunas and Mandy Rees, will be a Madison premiere.
Consumer Affairs, Wilson's and Burns' first stab at playwrights, opens the Rep's season in its traditionally safe summer moneymaking slot. "It's a very courageous move on the part of the Rep," says Burns, "and it's a wonderful vote of confidence for us."
In writing Consumer Affairs, Mad City was never far from the playwrights' minds. "We conceived it for the Isthmus Playhouse," says burns. "It is Madison born and bred.
Born and bred in Beloit, Burns got a fairly heavy dose of Broadway-style theater when she accompanied her father on his frequent business trips to New York. "I wasn't raised in a family that knew theater," says Burns. "My parents liked plays, and it was something to do in New York."
She didn't really catch the theater bug until she was in fifth grade and saw a high school production of Finian's Rainbow. "I saw people I sort of knew, and I was amazed that people I knew could do it," says Burns. "I wanted to be up there too."
Though she acted in plays throughout school, Burns says she never seriously considered theater a career option. Neither, apparently, did her guidance counselor. "I asked him what I would do if I wanted to be in theater," says Burns. His advice was to major in journalism. The logic: "I don't know," says Burns, through peals of laughter. "They read, they talk."
After spending an unhappy freshman semester away at college, Burns returned home to attend school at UW-Rock County. There she met Felicia Londre, the school's lone faculty member in theater. "She saw something in me and became my mentor for the next two years," says Burns. "She began doing shows for me and really teaching me the craft of acting."
Londre, now a dramaturge for the Missouri Repertory Theater in Kansas City, remembers that Burns was able to play a wide range of roles well. "Her work is very vivid in my mind," she says. "She has a wonderful stage presence -- she commands attention."
It was during her work with Londre that Burns first entertained the idea of being a professional actor. "I've always said if I was in charge of my own career, I would have sabotaged it a long time ago." After two years at Rock County, Burns left for the UW-Madison, eventually earning a degree in theater. During her college years she was cast in faculty productions and her first Rep Play -- when the theater was still housed behind Pres House. When the roles kept coming after her graduation in 1975, Burns finally acknowledged her destiny as an actor.
Her decision coincided with the blossoming of the regional theater movement, in which serious theater groups were establishing themselves in cities outside of New York. "I came at exactly the time when it was no longer absolutely necessary to go to New York upon graduation," she says. "So I stayed here and continued to work in lots of different kinds of theater -- non-Equity, dinner theater." Burns has been working almost continually ever since, whereas some of her friends who left for the Big Apple 19 years ago never found work in the theater.
"I feel fortunate to have made what some people thought was a crazy decision at the time to stay here, and I'm very committed to the regional theater movement," says Burns. "I think it is where the best work is being done."
For the most part, she says, regional theaters choose plays that are "on the cutting edge" and that "allow them to be creative with their audiences." That means giving patrons something that is familiar and enjoyable and then -- when you've earned their trust and attention -- challenging them with something a bit more proactive.
Not that Burns underrates the intelligence of theatergoers. "I believe very strongly that audiences are smart," she says. "I think you have to operate from that premise, and if you do then they will challenge you and you will challenge them.
"Once you start believing that you're smarter than your audience," says Burns, "I think you're lost as an actor, as an artist or as a theater."
From her early exposure to Broadway shows, Burns fell in love with musical theater. For a long time, she says, she didn't know any other kind existed. Then she went to college. "I became a very big theater snob," she says. "I only wanted to do contemporary American and British drama or classical theater."
But real life intruded after graduation. Making money meant doing musicals. "I had to reeducate myself to sing and all the things I had once known how to do," says Burns, "It was a humbling experience to be knocked off my pedestal about what I thought good theater was."
Burns took voice, dance and movement lessons in college, but singing and music had always been a part of her life. "My father sang and my grandmother was a small-time concert pianist," says Burns. "I always sang." Burns now appreciates being able to pass between straight and musical theater: "At one time I would have said I'm a musical-theater actress waiting to be a straight actress again. I don't say that anymore."
Burns lives with her husband of 20 years in her hometown of Beloit. "That's nothing I would have expected years ago," she says, "but it works for me." She likes both the accessibility to and distance from the hubs of Chicago, Madison, Spring Green and Milwaukee. "It keeps my head on straight. You can be around theater people a little too much, and sometimes you need to go back and remember you're a real person."
Burns strongly dislikes pretension -- especially the kind that runs in some theater circles. "Some actors have what I call 'welcome to my process,'" she says, laughing. "Everything is about their problem, their processes."
Burns doesn't buy it. "I believe that acting is a collaborative art form and you have to make allowances in your process for everyone else."
Even more heretical is her take on the roots of inspiration. "I think it's a bunch of baloney that angst makes a good actor," she says. "My feeling is, nothing beautiful in art comes out of pain -- it comes out of love." It's like creating a child, she says. "You want to be a healthy vessel to produce that life, and I think it's the same thing in art."
Burns also rejects the popular notion that there are no good roles for women actors: "I think that's a sour-grapes attitude, frankly. There are a lot of wonderful roles out there for women." She says she has a responsibility to take on the available roles -- some, she admits, she's inclined to reject outright -- and make them as interesting as she can. The Rep, she says, has a reputation for staging musicals that showcase women. "Madison is a very woman-oriented city, so it pays for them to be savvy about what their audience is."
Outside of Madison and Beloit, Burns has worked in theater in Milwaukee, Chicago, New York, Atlanta and Rockford. The last two years she's directed plays at MATC, and this year has a directing stint at Beloit College. She also does workshops for the Wisconsin Theatre Association to spread the word about living the good life in the theater: "I feel like I'm a catalyst for kids who, like me, grow up in Wisconsin and rural areas and may want to do this but don't have any idea of how to begin." In 1988, Burns moved for a short while to Chicago, where she performed in plays at Drury Lane Theatres and also made history: "I am the only woman who has been allowed to play a gangster in a professional production of Guys and Dolls.
Fearful she was being typed as strictly a musical-theater actress, Burns returned to Beloit in 1990. The next year, she was summoned to New York to appear in an original play that had been written by a former Madisonian with Burns in mind. She was not impressed by the operation.
"I was working with a lot of people who were struggling actors in New York," says Burns. "Some were very good, and they were excited about this project. And to me, it was nothing." The production was thrown together, the rehearsal space was inadequate and attendance -- even though the play was being staged at Lincoln Center -- seemed uncertain.
Early on, she began looking forward to returning to Madison to begin rehearsals for the Rep's production of The Importance of Being Earnest. "I thought, my God, I'm going back to a real theater to do a real run of a real play." The New York experience, though, satisfied some nagging doubts about what she may have given up by sticking close to home. "I realized then and there I had made the right choice."
Starring with her in Earnest that season was Stephen Hemming, a standout performer with the Madison Rep an American Players Theatre. He and Burns are close friends and professional associates, going back to the days when both were under the wing of Felicia Londre at UW-Rock County.
"One of the great joys of working with Colleen, " says Hemming, "is the fact that we know each other so well. You start the rehearsal process and can hit the ground running." Something less quantifiable, and more magical, also takes place: "There's a connection, too, that happens on stage," he says. "You make each other better."
Hemming also made a conscious decision to pursue his art near his roots, and like many of Burns' friends, he's able to make a living from acting. "One of the great things about the regional theater movement," says Burns, "is that it has allowed actors to really have lives -- which wasn't the case before."
Still, life as a thespian isn't easy. Actors make "amazing sacrifices" to pursue their art, says Hemming, with unemployment sometimes more lucrative than theater work. "There's a love for it that borders on religion," he says, "and a bonding takes place among us."
That's one of the things that make Burns proud to be an actor. "In many ways [the theater] is a very loving environment, so I'm always very proud of the people I work with and happy that I can be counted among their ranks."
She feels especially warm about the cast for Consumer Affairs, which includes Michael Herold, Marie Barteau and her collaborator Wilson. "It is just a joy," says Burns, noting the absence of large egos. "We are four people that operate on the premise of making art out of joy and love."
Burns met Wilson a couple of years ago when he was the musical director for the Rep's Nunsense. He told her he wanted to write a show and shared the working title. She said, "catchy title." He said, "Why don't you write a song?"
At about 2 that morning, Burns sat down and penned the lyrics to "A Friend Like Her," a touching song about female friendships. Jack loved it and wrote the melody. "Everything we come up with is a fifty-fifty collaboration," says Burns. "The two of us together produce a third voice. It's neither mine nor his."
Hemming remembers excited phone calls from Burns when the show was evolving: "There was a wonderful sense of her discovering herself as a writer." For Burns, who two decades ago published some short stories, playwriting also served as a batter recharge. "I was feeling a little stale," she says. "Consumer Affairs has been a creative outlet for me."
At 41, Burns says she has a certain kind of energy and excitement she didn't feel even when she was 20. "Now I realize how fortunate I am and how exciting the next part of my life can be," says Burns. "And that's a great thing."
Source http://www.isthmus.com/
Saturday, 18 June 2011
Hard times? Judge’s jilted wife turns her home into a £60 B&B after he runs off with younger lawyer
By Daily Mail Reporter
With its swimming pool, grass tennis court and 'slap-up' breakfasts, it sounds an idyllic retreat for guests planning a short break.
For the hostess, however, turning her home into a bed and breakfast represents a rather dramatic change in circumstances.
But friends say Lucy Mostyn has little choice after her husband, leading divorce lawyer and judge Sir Nicholas Mostyn, left her for another woman.
Sir Nicholas, 53, is nicknamed 'Mr Payout' thanks to the huge settlements he won for a succession of divorced wives – and has commanded fees of £500 an hour.
By contrast, his 52-year-old wife has fallen on such hard times following his departure, that she told friends the B&B, at £60 a night for a double room, is her only option to make ends meet.
In an online advertisement Mrs Mostyn details the attractions of the couple's family home as a 'period property with beautiful grounds', close to Hertford.
With its swimming pool, grass tennis court and 'slap-up' breakfasts, it sounds an idyllic retreat for guests planning a short break.
For the hostess, however, turning her home into a bed and breakfast represents a rather dramatic change in circumstances.
But friends say Lucy Mostyn has little choice after her husband, leading divorce lawyer and judge Sir Nicholas Mostyn, left her for another woman.
Sir Nicholas, 53, is nicknamed 'Mr Payout' thanks to the huge settlements he won for a succession of divorced wives – and has commanded fees of £500 an hour.
By contrast, his 52-year-old wife has fallen on such hard times following his departure, that she told friends the B&B, at £60 a night for a double room, is her only option to make ends meet.
In an online advertisement Mrs Mostyn details the attractions of the couple's family home as a 'period property with beautiful grounds', close to Hertford.
The Danes 'has been featured in many films and television programmes in recent years, and is surrounded by lovely gardens and orchards and an adjacent farm/livery stables of 150 acres', it adds.
'The house is at the edge of a delightful rural village with a local pub and shop and there are many walks and bridle paths.
'The accommodation available is varied from large double rooms to single rooms, all beautifully decorated with individual bathrooms and excellent comfort.
'The house has a lovely large kitchen with Aga and a "slap-up" breakfast will be provided for those who desire it.
'Breakfast will consist of eggs from our own hens and bacon from our own pigs.
'Pets are welcome and indeed an option to stable horses and enjoy the local riding is available if desired.
'The house is at the edge of a delightful rural village with a local pub and shop and there are many walks and bridle paths.
'The accommodation available is varied from large double rooms to single rooms, all beautifully decorated with individual bathrooms and excellent comfort.
'The house has a lovely large kitchen with Aga and a "slap-up" breakfast will be provided for those who desire it.
'Breakfast will consist of eggs from our own hens and bacon from our own pigs.
'Pets are welcome and indeed an option to stable horses and enjoy the local riding is available if desired.
There is ample parking and taxi service or indeed our own service could be provided to ferry customers to and from the local station. 'Use of the swimming pool in summer, the snooker table and ping pong table and indeed two tennis courts (one grass) are also offered.'
The Mostyns, who have four children, were married for 30 years.
But they separated last year when Sir Nicholas fell for 40-year-old lawyer Elizabeth Saunders, whose wealthy barrister husband Mark was shot dead by police marksmen during a siege in May 2008.
There is no suggestion their relationship began prior to her husband's death.
Sir Nicholas, described by friends as 'flamboyant and entertaining', once said the three ingredients for a successful marriage were 'an active sex life, a tidy home and no arguments about money'.
Sir Paul McCartney was a client in his divorce from Heather Mills.
Sir Nicholas earns £172,000 a year as a High Court judge and once said: 'People seem to have a very idealistic and rose-tinted view of marriage nowadays. It's a real struggle.'
The Mostyns, who have four children, were married for 30 years.
But they separated last year when Sir Nicholas fell for 40-year-old lawyer Elizabeth Saunders, whose wealthy barrister husband Mark was shot dead by police marksmen during a siege in May 2008.
There is no suggestion their relationship began prior to her husband's death.
Sir Nicholas, described by friends as 'flamboyant and entertaining', once said the three ingredients for a successful marriage were 'an active sex life, a tidy home and no arguments about money'.
Sir Paul McCartney was a client in his divorce from Heather Mills.
Sir Nicholas earns £172,000 a year as a High Court judge and once said: 'People seem to have a very idealistic and rose-tinted view of marriage nowadays. It's a real struggle.'
Source http://www.dailymail.co.uk/
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Green houses: Lowering your carbon footprint starts at home
Open Eco Homes 2011 is an initiative in Cambridge where homes that have had a green makeover invite the public in to see how it's done
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Revealed: What home loan lenders really want to know about you
ASK people in the street what you need to get a home loan and they will probably tell you: a deposit and a full-time job.
But today's lenders are looking for a lot more than that, putting the complete financial history of an aspiring home-buyer under the microscope to determine whether they are ever going to get their money back.
Credit cards, personal loans, HECS/HELP debts, rental history: all these payments are pored over by lenders before they give a `"yes'' or ``no''.
According to the financial comparison website ratecity.com.au, the number of lenders requiring only a 3 per cent deposit for a home loan has doubled to 5 per cent since January.
Despite this, lenders are still keen to avoid the kind of risky loans that precipitated the global financial crisis and comply with new responsible lending practices.Redfern homeowner Kai Lebens, who was approved for a $450,000 loan for his two-bedroom unit last year, says his stepfather gave him sound financial advice.
"He told me to not, under any circumstances, take up the banks' offers of increasing my credit-card limit,'' he says.
"They will assume that if you have a $30,000 limit you will spend that after you've taken out a loan. They consider the worst-case scenario.''
Lebens never maxes out his credit card. He pays his bills on time and paid off his HECS when he had the chance. Earning $130,000 a year in a steady job worked in his favour as well.
A credit-risk manager at one of the big four banks, who asks to remain anonymous, says an applicant's credit scores -- obtained through credit agency Veda Advantage -- is one of the biggest determinants of whether they will offer a home loan.
"We also discriminate on postcodes as well, with more remote postcodes and certain areas presenting a higher risk for the bank,'' he says.
"We also look at bills that haven't been paid on time and see if there's a pattern.''
With age, he says, even a 70-year-old would probably have a loan approved if they had a good credit history.
Other factors considered are whether applicants have been in steady jobs for longer than six months and their assets and liabilities.
Smartmove professional mortgage adviser Simon Orbell says potential home-loan borrowers need to take action now to ensure there are no skeletons lurking in their financial closets.
"Get a copy of your credit report from Veda Advantage (mycreditfile.com.au) if you suspect there may be some previous misdemeanours on your file,'' he says.
"Knowing about them up front allows you to overcome any issues that may arise in the credit-application process. Take up a My Veda Alert subscription from the website to maintain and take measures to keep your credit file clear.''
Orbell says the subscription also protects against identity theft. "Also, make sure you notify all current or potential creditors -- company, personal or otherwise -- of changes to your address details to ensure that bills don't get lost,'' he says.
"Finally, and most obviously, ensure all bills are paid on time and set up direct debits for bill payments wherever possible to automate this process to keep your credit file as clean and tidy as possible.''
But just because would-be property buyers get knocked back from one lender, that doesn't mean they should not shop around.
There are more than 100 banks, credit unions and mortgage companies competing.
But today's lenders are looking for a lot more than that, putting the complete financial history of an aspiring home-buyer under the microscope to determine whether they are ever going to get their money back.
Credit cards, personal loans, HECS/HELP debts, rental history: all these payments are pored over by lenders before they give a `"yes'' or ``no''.
According to the financial comparison website ratecity.com.au, the number of lenders requiring only a 3 per cent deposit for a home loan has doubled to 5 per cent since January.
Despite this, lenders are still keen to avoid the kind of risky loans that precipitated the global financial crisis and comply with new responsible lending practices.Redfern homeowner Kai Lebens, who was approved for a $450,000 loan for his two-bedroom unit last year, says his stepfather gave him sound financial advice.
"He told me to not, under any circumstances, take up the banks' offers of increasing my credit-card limit,'' he says.
"They will assume that if you have a $30,000 limit you will spend that after you've taken out a loan. They consider the worst-case scenario.''
Lebens never maxes out his credit card. He pays his bills on time and paid off his HECS when he had the chance. Earning $130,000 a year in a steady job worked in his favour as well.
A credit-risk manager at one of the big four banks, who asks to remain anonymous, says an applicant's credit scores -- obtained through credit agency Veda Advantage -- is one of the biggest determinants of whether they will offer a home loan.
"We also discriminate on postcodes as well, with more remote postcodes and certain areas presenting a higher risk for the bank,'' he says.
"We also look at bills that haven't been paid on time and see if there's a pattern.''
With age, he says, even a 70-year-old would probably have a loan approved if they had a good credit history.
Other factors considered are whether applicants have been in steady jobs for longer than six months and their assets and liabilities.
Smartmove professional mortgage adviser Simon Orbell says potential home-loan borrowers need to take action now to ensure there are no skeletons lurking in their financial closets.
"Get a copy of your credit report from Veda Advantage (mycreditfile.com.au) if you suspect there may be some previous misdemeanours on your file,'' he says.
"Knowing about them up front allows you to overcome any issues that may arise in the credit-application process. Take up a My Veda Alert subscription from the website to maintain and take measures to keep your credit file clear.''
Orbell says the subscription also protects against identity theft. "Also, make sure you notify all current or potential creditors -- company, personal or otherwise -- of changes to your address details to ensure that bills don't get lost,'' he says.
"Finally, and most obviously, ensure all bills are paid on time and set up direct debits for bill payments wherever possible to automate this process to keep your credit file as clean and tidy as possible.''
But just because would-be property buyers get knocked back from one lender, that doesn't mean they should not shop around.
There are more than 100 banks, credit unions and mortgage companies competing.
Source http://www.news.com.au/
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Troubled home market creates generation of renters
Troubled home market creates generation of renters
Tammy Voss (left) of Appleton gets help moving into her new apartment June 1 from her mother, Pat Voss, of Almond. The housing market slump has led to a growing number of Americans opting to rent instead of purchasing a house. / Dan Powers/The Post-Crescent
Tammy Voss is content being an apartment renter for now.
"At this point in my life and career and with teaching jobs the way they are, it just makes sense for me," said Voss, 27, an art teacher who recently moved into an apartment in a central Appleton neighborhood.A growing number of Americans either can't afford a home or don't want to own one, a trend that's spawning a generation of renters and driving new apartment construction.Many new renters are former owners who lost homes to foreclosure or bankruptcy. For others who could afford one, a home now feels too costly, too risky or unlikely to appreciate enough to make it a worthwhile investment.The proportion of U.S. households that own homes is at its lowest point since 1998. When the housing bubble burst four years ago, 31.6 percent of households were renters. Now, it's at 33.6 percent and rising. Since the housing meltdown, nearly 3 million households have become renters. At least 3 million more are expected by 2015, according to census data analyzed by Harvard's Joint Center for Housing Studies and The Associated Press.
All told, nearly 38 million households are renters.
There is a need for more multifamily housing in Appleton, said Karen Harkness, the city's director of community development.
"I think it has a lot to do with the economy and uncertainty people have about their jobs," she said of demand for rentals.
New apartments are in the pipeline in Appleton.
» Lake Park Apartments on South Lake Park Road are under review by the city. The developer is proposing 184 units.
» The last approval of apartment units in Appleton was for Eagle Flats. Riverwalk Place will have 70 units and The Landing will have 54 units.
Demand for more apartments is benefitting firms including Commonwealth Development Corp. in Fond du Lac, which specializes in multifamily housing. The company has built and manages many properties in the Fox Cities.
Among its holdings is Mission Village in Menasha, a senior housing development with 66 units. The company also has another property it's building in Grand Chute as well as projects in Sheboygan and Milwaukee and four others in the planning stages, said Marissa Downs, a senior vice president of at Commonwealth.
Source http://www.postcrescent.com/
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Home visit family in settlement negotiations with Chester school district
By Pamela Chergotis
Chester — The family who says two Chester Academy school faculty members entered their home illegally is in settlement negotiations with the Chester school district, according to the family’s lawyer.
David Levinson of Levinson, Reineke & Ornstein, P.C., of Central Valley told The Chronicle that lawyers for the school district recently finished taking depositions from the family of Joyce Kyles and Michael DiQuattro. Levinson said his clients have until October to file a lawsuit — which they will do if the settlement negotiations fall through.
David Levinson of Levinson, Reineke & Ornstein, P.C., of Central Valley told The Chronicle that lawyers for the school district recently finished taking depositions from the family of Joyce Kyles and Michael DiQuattro. Levinson said his clients have until October to file a lawsuit — which they will do if the settlement negotiations fall through.
The district law firm Shaw, Perelson, May & Lambert, LLP, did not return a phone call. Chester Superintendent of Schools Sean Michel said Wednesday that he could not comment on the matter.
The story so far
The story so far
Last December, the parents of two Chester students, Joyce Kyles and Michael DiQuattro, filed an action in advance of a lawsuit against the school district and two faculty members “to recover damages for trespass, attempted burglary, intentional infliction of mental distress, violation of the Fourth Amendment of the United States Constitution, violation of claimants’ civil rights ... attempted custodial interference, attempted coercion, and punitive damages.”
The action says Ernest Jackson, the Chester Academy middle school principal, and Pam Kavenagh, the school psychologist, entered the family’s home “illegally and without authority” and attempted to “remove” their underage sons. Jackson and Kavenagh have said in the past that they went to the home to verify that the boys were in fact out sick that day, rather than out playing hookey.
The village police chief, Pete Graziano, said his department’s investigation found no wrongdoing.
The action says Ernest Jackson, the Chester Academy middle school principal, and Pam Kavenagh, the school psychologist, entered the family’s home “illegally and without authority” and attempted to “remove” their underage sons. Jackson and Kavenagh have said in the past that they went to the home to verify that the boys were in fact out sick that day, rather than out playing hookey.
The village police chief, Pete Graziano, said his department’s investigation found no wrongdoing.
After the story broke last November, but before the police investigation was completed, the school board suspended Jackson and Kavenagh and asked the state education department to arrange a hearing.
The school board agreed to cease its disciplinary action against the faculty members “based upon inconsistent statements among the witnesses that they had interviewed.”
What really happened that day?
The faculty members dispute the family’s charge that they walked into the boys’ upstairs bedroom without knocking or calling first to see if the younger boy was really sick. They say they called ahead, knocked, and were let in by “an adult over 18.”
The Chronicle has tried to uncover what really happened at the Kyles-DiQuattro home that day. The paper has filed formal Freedom of Information Law requests for copies of the witness statements. The village police department and mayor have refused to provide The Chronicle with the witness statements, saying the statements have been sealed, and that disclosing them “would constitute an unwarranted invasion of privacy.”
The school board agreed to cease its disciplinary action against the faculty members “based upon inconsistent statements among the witnesses that they had interviewed.”
What really happened that day?
The faculty members dispute the family’s charge that they walked into the boys’ upstairs bedroom without knocking or calling first to see if the younger boy was really sick. They say they called ahead, knocked, and were let in by “an adult over 18.”
The Chronicle has tried to uncover what really happened at the Kyles-DiQuattro home that day. The paper has filed formal Freedom of Information Law requests for copies of the witness statements. The village police department and mayor have refused to provide The Chronicle with the witness statements, saying the statements have been sealed, and that disclosing them “would constitute an unwarranted invasion of privacy.”
The Chronicle’s lawyer, Laura Handman, said, “Police Chief Graziano’s reasons for withholding the witness statements and certification do not state a valid and sufficient basis and, thus, constitute a violation of New York’s Freedom of Information law.” The village also refused The Chronicle’s request for certification stating that the investigation has been closed, and that the prosecutor has declined prosecution against Kavenagh and Jackson, which is required before documents can be sealed.
A Freedom of Information Law request for the witness statements filed with the school district on Dec. 13, 2010, went unanswered.
In 2008, when The Chronicle requested witness statements surrounding Mary Marinos’s outburst on school grounds and altercation with then-Superintendent Helen Ann Livingston, the Chester town police (a different police department) provided them within a week.
A Freedom of Information Law request for the witness statements filed with the school district on Dec. 13, 2010, went unanswered.
In 2008, when The Chronicle requested witness statements surrounding Mary Marinos’s outburst on school grounds and altercation with then-Superintendent Helen Ann Livingston, the Chester town police (a different police department) provided them within a week.
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Porter: The monk who gave away millions
By Catherine Porter
I sat at the feet of a Buddhist monk this week.
He told me if I was looking for companionship — i.e., a boyfriend — I should go to an old age home, and if I wanted to make money, I should give some away.
Before you roll your eyes, there are a few things you should know about Michael Roach: He was the first North American to earn the title geshe, or master of Buddhist learning — which means after decades of study he debated Buddhist principles with 1,300 monks in Tibet over three weeks and won. He spent three years, three months and three days in silent meditation in a yurt in the Arizona desert. And for 17 years while he was studying Buddhism in a New Jersey monastery, he commuted each day to a Manhattan day job, running the diamond division of a hugely successful jewelry company — since purchased by Warren Buffett.
He knows what it’s like to earn lots of money. He knows what it’s like to give it away to charity — since, as a monk, he was forbidden to keep it.
“I’m saying weird stuff,” he told a room of adoring converts sitting cross-legged on yoga mats around a white loft in Leslieville in the first of three Toronto talks, “but it really works.”
Some deeper background: Roach was a scholarship student at Princeton University when his life unravelled. During his junior year, his brother committed suicide, his father died of lung cancer and his mother was diagnosed with breast cancer. He was looking for meaning.
“Buddhism had the best description of the inevitable suffering of life,” Roach later tells me.
He dropped out and travelled to India, where the Dalai Lama told him to finish his degree and then join a monastery in New Jersey.
In the late 1990s, he and a female Buddhist teacher, or Lama, became “spiritual partners” — vowing to venture no more than 4.5 metres from one another. It was controversial: They said their celibate partnership was the ultimate test of Buddhism. The Dalai Lama’s office disapproved. (Roach and Lama Christie have since separated amicably.)
Roach was groomed to be a rebel monk, though. Early in his training, his teacher challenged him to apply Buddhist principles to the “dirtiest business and make it clean,” he says. For first five years of his job at jeweler Andin International, he grew his hair longer and dressed in a wool suit from Goodwill.
Only once he’d been promoted from gopher to vice-president, and was able to begin his experiment in earnest, did he reveal he was a monk. His experiment worked: the company grew from 4 employees to 500, and a $50,000 loan to $100 million in sales annually.
“My company was the fastest-growing manufacturer in the history of New York City,” he says. “It doubled every year.”
So what are the lessons?
Treat people like you want to be treated. Good things come to people who do good. They should sound familiar — your mother taught them to you!
Roach compares us to cavemen, wandering around the countryside in hopes of finding wild rice plants, instead of saving some grains and planting them ourselves.
But instead of rice, you should wisely plant love, kindness, trust, even money, with the confidence that it will return to you in bounty.
“You can farm your future and then you just enjoy,” says Roach, who at 58, could pass as an aging surfer dude — long hair, slow talking, good sense of humour.
The truth is: I want to find a hole in his story. While I’m naturally a rosy-eyed idealist, gurus make me squeamish. I lived in India for a year and visited too many luxurious ashrams. But who can disapprove of Roach’s message? Any maybe his 25 years of studying karma have taught him something worth listening to.
For instance, he did have a student who was single and looking for a man. She had a good job, a lovely apartment in Manhattan, a beautiful face, but no one to love. Roach really did tell her to visit a nursing home and give what she most wanted to someone in need — companionship. After six months of visiting an old woman she was starting to get frustrated, he tells the room.
Then, one day during a yoga class, it happened: she met her future husband. Roach presided over their wedding.
That’s not the end of the story, says Roach.
“Your motivation should be universal, like ‘I am going to be ground zero of the boyfriend-acquisition movement,’” he says. “Then, there will be lines at the nursing homes. You know what will happen? There won’t be any lonely old people.”
I sat at the feet of a Buddhist monk this week.
He told me if I was looking for companionship — i.e., a boyfriend — I should go to an old age home, and if I wanted to make money, I should give some away.
Before you roll your eyes, there are a few things you should know about Michael Roach: He was the first North American to earn the title geshe, or master of Buddhist learning — which means after decades of study he debated Buddhist principles with 1,300 monks in Tibet over three weeks and won. He spent three years, three months and three days in silent meditation in a yurt in the Arizona desert. And for 17 years while he was studying Buddhism in a New Jersey monastery, he commuted each day to a Manhattan day job, running the diamond division of a hugely successful jewelry company — since purchased by Warren Buffett.
He knows what it’s like to earn lots of money. He knows what it’s like to give it away to charity — since, as a monk, he was forbidden to keep it.
“I’m saying weird stuff,” he told a room of adoring converts sitting cross-legged on yoga mats around a white loft in Leslieville in the first of three Toronto talks, “but it really works.”
Some deeper background: Roach was a scholarship student at Princeton University when his life unravelled. During his junior year, his brother committed suicide, his father died of lung cancer and his mother was diagnosed with breast cancer. He was looking for meaning.
“Buddhism had the best description of the inevitable suffering of life,” Roach later tells me.
He dropped out and travelled to India, where the Dalai Lama told him to finish his degree and then join a monastery in New Jersey.
In the late 1990s, he and a female Buddhist teacher, or Lama, became “spiritual partners” — vowing to venture no more than 4.5 metres from one another. It was controversial: They said their celibate partnership was the ultimate test of Buddhism. The Dalai Lama’s office disapproved. (Roach and Lama Christie have since separated amicably.)
Roach was groomed to be a rebel monk, though. Early in his training, his teacher challenged him to apply Buddhist principles to the “dirtiest business and make it clean,” he says. For first five years of his job at jeweler Andin International, he grew his hair longer and dressed in a wool suit from Goodwill.
Only once he’d been promoted from gopher to vice-president, and was able to begin his experiment in earnest, did he reveal he was a monk. His experiment worked: the company grew from 4 employees to 500, and a $50,000 loan to $100 million in sales annually.
“My company was the fastest-growing manufacturer in the history of New York City,” he says. “It doubled every year.”
So what are the lessons?
Treat people like you want to be treated. Good things come to people who do good. They should sound familiar — your mother taught them to you!
Roach compares us to cavemen, wandering around the countryside in hopes of finding wild rice plants, instead of saving some grains and planting them ourselves.
But instead of rice, you should wisely plant love, kindness, trust, even money, with the confidence that it will return to you in bounty.
“You can farm your future and then you just enjoy,” says Roach, who at 58, could pass as an aging surfer dude — long hair, slow talking, good sense of humour.
The truth is: I want to find a hole in his story. While I’m naturally a rosy-eyed idealist, gurus make me squeamish. I lived in India for a year and visited too many luxurious ashrams. But who can disapprove of Roach’s message? Any maybe his 25 years of studying karma have taught him something worth listening to.
For instance, he did have a student who was single and looking for a man. She had a good job, a lovely apartment in Manhattan, a beautiful face, but no one to love. Roach really did tell her to visit a nursing home and give what she most wanted to someone in need — companionship. After six months of visiting an old woman she was starting to get frustrated, he tells the room.
Then, one day during a yoga class, it happened: she met her future husband. Roach presided over their wedding.
That’s not the end of the story, says Roach.
“Your motivation should be universal, like ‘I am going to be ground zero of the boyfriend-acquisition movement,’” he says. “Then, there will be lines at the nursing homes. You know what will happen? There won’t be any lonely old people.”
Labels:
DaiLy
Minn. shutdown pain likely greatest at hospitals
By PATRICK CONDON
ST. PAUL, Minn. -- Of all the state services that Gov. Mark Dayton has argued must be halted if the state government shuts down on July 1, the most serious potential impact stands to be the interruption of Medicaid payments to hospitals, nursing homes and other care providers that serve seniors, the disabled and other vulnerable people.
"It would get really difficult for us immediately," Tom Lindh, administrator of Good Shepherd Nursing Home in Rushford, said Friday. He said at any given time, 60 to 65 percent of about 75 residents are on Medicaid. "If it went a month or longer, it would get downright impossible. Our mission is to take care of people, not make money. But you still have to have money to pay your workers."
The Dayton administration argued in court this week that the state's health care, welfare and child support services should continue in a government shutdown. But while payments to individual recipients would continue under that scenario, payments to health care providers did not make the administration's cut.
The shutdown looms amid the continued failure by Dayton and Republican state lawmakers to agree on levels of spending and taxation in the state's upcoming two-year budget cycle. Earlier this week, the administration filed with a Ramsey County court a comprehensive list of what services it sees as critical to preserving health and safety in a shutdown. A judge will hear arguments about the administration's plan next Thursday.
While some larger hospitals and care facilities that belong to member networks might be able to access contingency funds if Medicaid payments stop, advocacy groups said that small hospitals, homes and care providers - particularly in rural areas - don't have access to the kind of cash they'd need to keep up payrolls, purchase food and other necessities and respond to emergencies.
"The assumption appears to be that the providers have deep enough pockets, enough reserves that they could go with an interruption in state payments," said Gayle Kvenvold, CEO of Aging Services of Minnesota, a nursing home trade group. "But that's where we would part company, particularly in the nursing home setting. We just don't have those deep pockets and reserves across the board."
Hospitals could face the added burden of patients turning to emergency room care if they're no longer able to access service from their regular providers.
Lindh said that Good Shepherd probably has access to a line of credit that could make it possible to meet the July payroll for its 130 employees. Anything after that starts to get much more difficult, he said. "To be honest with you, after a month we're not sure what would happen," Lindh said.
He said Good Shepherd's average resident is 87 to 88 years old and suffers from multiple chronic health problems. He said about half suffer from dementia, many have no family members capable of caring for them and few have any ability to care for themselves.
Many health providers that rely heavily on Medicaid payments have begun to evaluate patients to see which ones have the most serious needs and which might be able to go a little longer without their usual services.
Lisa Abicht-Swensen, chief operating officer at the Minnesota Visiting Nurse Agency, which sends health professionals on home visits, gave a possible example:
"If somebody requires us to come out every two weeks and assist them with their medication, maybe we'll go and make sure they're set for four weeks and not make that second visit," Abicht-Swensen said.
"We'll continue to serve those who will not independently survive without our services," she said. "But we'll probably have to stop our family health programs - all the babies and new moms, the pregnant teens we serve will have to go without services in a government shutdown."
Several advocates said they were surprised the Dayton administration, which they've traditionally seen as a political ally, would recommend such provider payments stop in a shutdown. During the last state government shutdown, in 2005, a court deemed such payments a critical service that should continue; this time, Attorney General Lori Swanson - like Dayton, a Democrat - has asked the court to again continue such payments.
Republicans, locked in the budget dispute with Dayton, also criticized the administration's decision on provider payments.
"I find it stunning that if your top priority is life safety, that we are not going to pay people who take care of folks in nursing homes or when they show up at our hospitals," House Majority Leader Matt Dean, R-Dellwood, said to Jim Schowalter, Dayton's budget commissioner, during a legislative hearing this week.
Schowalter replied that the decision was based on "legal arguments and legal precedents" and that it would ultimately be up to a judge to decide.
Some of the advocacy groups themselves intend to file responses to Dayton's petition, asking the court to take a more expansive view than recommended by the administration. But Kvenvold said there was no guarantee the court would see it their way.
"We can't afford to take anything for granted," she said.
ST. PAUL, Minn. -- Of all the state services that Gov. Mark Dayton has argued must be halted if the state government shuts down on July 1, the most serious potential impact stands to be the interruption of Medicaid payments to hospitals, nursing homes and other care providers that serve seniors, the disabled and other vulnerable people.
"It would get really difficult for us immediately," Tom Lindh, administrator of Good Shepherd Nursing Home in Rushford, said Friday. He said at any given time, 60 to 65 percent of about 75 residents are on Medicaid. "If it went a month or longer, it would get downright impossible. Our mission is to take care of people, not make money. But you still have to have money to pay your workers."
The Dayton administration argued in court this week that the state's health care, welfare and child support services should continue in a government shutdown. But while payments to individual recipients would continue under that scenario, payments to health care providers did not make the administration's cut.
The shutdown looms amid the continued failure by Dayton and Republican state lawmakers to agree on levels of spending and taxation in the state's upcoming two-year budget cycle. Earlier this week, the administration filed with a Ramsey County court a comprehensive list of what services it sees as critical to preserving health and safety in a shutdown. A judge will hear arguments about the administration's plan next Thursday.
While some larger hospitals and care facilities that belong to member networks might be able to access contingency funds if Medicaid payments stop, advocacy groups said that small hospitals, homes and care providers - particularly in rural areas - don't have access to the kind of cash they'd need to keep up payrolls, purchase food and other necessities and respond to emergencies.
"The assumption appears to be that the providers have deep enough pockets, enough reserves that they could go with an interruption in state payments," said Gayle Kvenvold, CEO of Aging Services of Minnesota, a nursing home trade group. "But that's where we would part company, particularly in the nursing home setting. We just don't have those deep pockets and reserves across the board."
Hospitals could face the added burden of patients turning to emergency room care if they're no longer able to access service from their regular providers.
Lindh said that Good Shepherd probably has access to a line of credit that could make it possible to meet the July payroll for its 130 employees. Anything after that starts to get much more difficult, he said. "To be honest with you, after a month we're not sure what would happen," Lindh said.
He said Good Shepherd's average resident is 87 to 88 years old and suffers from multiple chronic health problems. He said about half suffer from dementia, many have no family members capable of caring for them and few have any ability to care for themselves.
Many health providers that rely heavily on Medicaid payments have begun to evaluate patients to see which ones have the most serious needs and which might be able to go a little longer without their usual services.
Lisa Abicht-Swensen, chief operating officer at the Minnesota Visiting Nurse Agency, which sends health professionals on home visits, gave a possible example:
"If somebody requires us to come out every two weeks and assist them with their medication, maybe we'll go and make sure they're set for four weeks and not make that second visit," Abicht-Swensen said.
"We'll continue to serve those who will not independently survive without our services," she said. "But we'll probably have to stop our family health programs - all the babies and new moms, the pregnant teens we serve will have to go without services in a government shutdown."
Several advocates said they were surprised the Dayton administration, which they've traditionally seen as a political ally, would recommend such provider payments stop in a shutdown. During the last state government shutdown, in 2005, a court deemed such payments a critical service that should continue; this time, Attorney General Lori Swanson - like Dayton, a Democrat - has asked the court to again continue such payments.
Republicans, locked in the budget dispute with Dayton, also criticized the administration's decision on provider payments.
"I find it stunning that if your top priority is life safety, that we are not going to pay people who take care of folks in nursing homes or when they show up at our hospitals," House Majority Leader Matt Dean, R-Dellwood, said to Jim Schowalter, Dayton's budget commissioner, during a legislative hearing this week.
Schowalter replied that the decision was based on "legal arguments and legal precedents" and that it would ultimately be up to a judge to decide.
Some of the advocacy groups themselves intend to file responses to Dayton's petition, asking the court to take a more expansive view than recommended by the administration. But Kvenvold said there was no guarantee the court would see it their way.
"We can't afford to take anything for granted," she said.
Labels:
Affliate Marketing
2 Big Banks Exit Reverse Mortgage Business
Wells Fargo, the largest provider, said on Thursday that it was leaving the business, following the departure in February of Bank of America, the second-largest lender. With the two biggest players gone — together, they accounted for 43 percent of the business, according to Reverse Market Insight — prospective borrowers may find it more difficult to access the mortgages.
Reverse mortgages allow people age 62 and older to tap what may be their biggest asset, their home equity, without having to make any payments. Instead, the bank pays the borrowers, though they continue to be responsible for paying property taxes and homeowner’s insurance.
But the loans have increasingly become a riskier proposition. Banks are not allowed to assess borrowers’ ability to keep up with all their payments, and more borrowers do not have the wherewithal to stay current on their homeowners’ insurance and property taxes, both of which have risen in many parts of the country. At the same time, borrowers have been taking the maximum amount of money available, often using it to pay off any remaining money owed on the home. Yet home prices continue to slide.
“We are on new ground here,” said Franklin Codel, head of national consumer lending at Wells Fargo. “With house prices falling, you reach a crossover point where they owe more than the house is worth and it creates risk for us as mortgage servicers and for HUD.” He was referring to the Department of Housing and Urban Development, whose Federal Housing Administration arm insures the vast majority of these loans through its Home Equity Conversion Mortgage program.
As a result, banks are seeing a rise in what are known as technical defaults, when homeowners fall behind on their taxes or homeowner’s insurance, both of which are required to avoid foreclosure. According to Reverse Market Insight, about 4 to 5 percent of active reverse mortgages, or 25,000 to 30,000 borrowers, are in default on at least one of those items.
Bank of America, meanwhile, said that declining home values made fewer people eligible for reverse mortgages. So it decided to redeploy at least half of those working on the mortgages to its loan modification division, which has been criticized for failing to help enough homeowners on the brink of foreclosure.
For Wells Fargo, however, the inability to assess borrowers’ financial health was the biggest factor for exiting the business. Anyone over the age of 62 with enough home equity can take out a reverse mortgage, regardless of their other income. The amount of money received is determined by the borrower’s age, the amount of equity in the home and prevailing interest rates.
“We are not allowed, as an originator, to decline anyone,” added Mr. Codel of Wells Fargo. We “worked closely with HUD to find an alternative solution and we were unable to find one with them, which led to this outcome.”
Reverse mortgage borrowers are required to pay premiums for mortgage insurance, which protects the lender if the homes are ultimately sold for less than the mortgage value, since the government is required to pay the difference to the lender. The premium rates were increased last October to account for declining home values (though one sizable upfront mortgage premium was eliminated to make the loans more attractive to certain borrowers).
But lenders are responsible for making tax and insurance payments on behalf of delinquent borrowers until they submit an insurance claim to HUD, at which point the agency would be responsible since it provided the insurance against default.
In January, HUD sent a letter to lenders and reverse mortgage counselors that provided guidance on how to report delinquent loans to the agency, and what steps the lenders could take to get borrowers back on track, like establishing a realistic repayment plan that could be completed in two years or less, or getting a HUD-approved mortgage counselor involved to help come up with a solution. If one cannot be reached, the lenders must begin foreclosure proceedings.
Both Wells Fargo and Bank of America have said they have not foreclosed on any borrowers to date.
The National Reverse Mortgage Lenders Association, the industry group, said it has been working with HUD to come up with procedures that would allow lenders to assess a prospective borrower’s income and expenses, or at least require homeowners to set aside money to pay for taxes and insurance. A spokeswoman for HUD said the guidance is still being drafted.
As it stands now, borrowers are required to see a HUD-approved lender before they can apply for a reverse mortgage. As part of that process, consumers are educated on the nuts and bolts of how the loans work and what their responsibilities are, including that they need to be able to continue to pay taxes, insurance and keep the property in good repair.
“We don’t tell consumers what decision to make, but we do try to give them the tools to make a decision,” said Sue Hunt, director of reverse mortgage counseling at CredAbility, a nonprofit consumer credit counseling agency. She added that their sessions last about an hour and 15 minutes, on average. The counselors also look at the consumer’s budget to see if it is sustainable with the mortgage, as well as what circumstances might arise that could throw the borrower off track.
“Outside factors are affecting people who thought five or six years ago that they were in pretty good shape,” she added. “The world has changed a bit around them.”
In days past, the borrower would get the reverse mortgage, and equity would continue to build, experts said, which would provide borrowers with more options — like refinancing — should they fall on hard times. Declining home values have changed that calculus for both bankers and consumers. Borrowers have not been able to pull out as much money. At the same time, the government has also tightened its withdrawal limits.
There were a total of more than 50,000 reverse mortgages, totaling $12.66 billion, made industrywide since last October, according to HUD.
Both Wells Fargo and Bank of America will continue to service their existing reverse mortgages. And the reverse mortgage association has said it will work with its members to ensure that senior citizens who need the loans can get them, though some experts said that less competition could increase certain fees.
“There is a certain amount of the business done by Wells and Bank of America that happens because of their bank branches, brand names and large sales forces,” said John K. Lunde, president of Reverse Market Insight. “We would expect something more than half of their volume to be absorbed by the rest of the industry, with something less than half not happening.”
Wells Fargo, which said that reverse mortgages represented 2.2 percent of its retail mortgage business, employs about 1,000 reverse mortgage workers. They are being given a chance to find other positions at the bank. Bank of America said that about half of its 600 workers have been reassigned within the bank. MetLife, the third-largest provider of reverse mortgages, declined to comment on its business.
Source http://www.nytimes.com/
Reverse mortgages allow people age 62 and older to tap what may be their biggest asset, their home equity, without having to make any payments. Instead, the bank pays the borrowers, though they continue to be responsible for paying property taxes and homeowner’s insurance.
But the loans have increasingly become a riskier proposition. Banks are not allowed to assess borrowers’ ability to keep up with all their payments, and more borrowers do not have the wherewithal to stay current on their homeowners’ insurance and property taxes, both of which have risen in many parts of the country. At the same time, borrowers have been taking the maximum amount of money available, often using it to pay off any remaining money owed on the home. Yet home prices continue to slide.
“We are on new ground here,” said Franklin Codel, head of national consumer lending at Wells Fargo. “With house prices falling, you reach a crossover point where they owe more than the house is worth and it creates risk for us as mortgage servicers and for HUD.” He was referring to the Department of Housing and Urban Development, whose Federal Housing Administration arm insures the vast majority of these loans through its Home Equity Conversion Mortgage program.
As a result, banks are seeing a rise in what are known as technical defaults, when homeowners fall behind on their taxes or homeowner’s insurance, both of which are required to avoid foreclosure. According to Reverse Market Insight, about 4 to 5 percent of active reverse mortgages, or 25,000 to 30,000 borrowers, are in default on at least one of those items.
Bank of America, meanwhile, said that declining home values made fewer people eligible for reverse mortgages. So it decided to redeploy at least half of those working on the mortgages to its loan modification division, which has been criticized for failing to help enough homeowners on the brink of foreclosure.
For Wells Fargo, however, the inability to assess borrowers’ financial health was the biggest factor for exiting the business. Anyone over the age of 62 with enough home equity can take out a reverse mortgage, regardless of their other income. The amount of money received is determined by the borrower’s age, the amount of equity in the home and prevailing interest rates.
“We are not allowed, as an originator, to decline anyone,” added Mr. Codel of Wells Fargo. We “worked closely with HUD to find an alternative solution and we were unable to find one with them, which led to this outcome.”
Reverse mortgage borrowers are required to pay premiums for mortgage insurance, which protects the lender if the homes are ultimately sold for less than the mortgage value, since the government is required to pay the difference to the lender. The premium rates were increased last October to account for declining home values (though one sizable upfront mortgage premium was eliminated to make the loans more attractive to certain borrowers).
But lenders are responsible for making tax and insurance payments on behalf of delinquent borrowers until they submit an insurance claim to HUD, at which point the agency would be responsible since it provided the insurance against default.
In January, HUD sent a letter to lenders and reverse mortgage counselors that provided guidance on how to report delinquent loans to the agency, and what steps the lenders could take to get borrowers back on track, like establishing a realistic repayment plan that could be completed in two years or less, or getting a HUD-approved mortgage counselor involved to help come up with a solution. If one cannot be reached, the lenders must begin foreclosure proceedings.
Both Wells Fargo and Bank of America have said they have not foreclosed on any borrowers to date.
The National Reverse Mortgage Lenders Association, the industry group, said it has been working with HUD to come up with procedures that would allow lenders to assess a prospective borrower’s income and expenses, or at least require homeowners to set aside money to pay for taxes and insurance. A spokeswoman for HUD said the guidance is still being drafted.
As it stands now, borrowers are required to see a HUD-approved lender before they can apply for a reverse mortgage. As part of that process, consumers are educated on the nuts and bolts of how the loans work and what their responsibilities are, including that they need to be able to continue to pay taxes, insurance and keep the property in good repair.
“We don’t tell consumers what decision to make, but we do try to give them the tools to make a decision,” said Sue Hunt, director of reverse mortgage counseling at CredAbility, a nonprofit consumer credit counseling agency. She added that their sessions last about an hour and 15 minutes, on average. The counselors also look at the consumer’s budget to see if it is sustainable with the mortgage, as well as what circumstances might arise that could throw the borrower off track.
“Outside factors are affecting people who thought five or six years ago that they were in pretty good shape,” she added. “The world has changed a bit around them.”
In days past, the borrower would get the reverse mortgage, and equity would continue to build, experts said, which would provide borrowers with more options — like refinancing — should they fall on hard times. Declining home values have changed that calculus for both bankers and consumers. Borrowers have not been able to pull out as much money. At the same time, the government has also tightened its withdrawal limits.
There were a total of more than 50,000 reverse mortgages, totaling $12.66 billion, made industrywide since last October, according to HUD.
Both Wells Fargo and Bank of America will continue to service their existing reverse mortgages. And the reverse mortgage association has said it will work with its members to ensure that senior citizens who need the loans can get them, though some experts said that less competition could increase certain fees.
“There is a certain amount of the business done by Wells and Bank of America that happens because of their bank branches, brand names and large sales forces,” said John K. Lunde, president of Reverse Market Insight. “We would expect something more than half of their volume to be absorbed by the rest of the industry, with something less than half not happening.”
Wells Fargo, which said that reverse mortgages represented 2.2 percent of its retail mortgage business, employs about 1,000 reverse mortgage workers. They are being given a chance to find other positions at the bank. Bank of America said that about half of its 600 workers have been reassigned within the bank. MetLife, the third-largest provider of reverse mortgages, declined to comment on its business.
Source http://www.nytimes.com/
Labels:
DaiLy
Triangle Direct Showcases Latest Version of Automated SEO Technology, SEOtool to Thousands of E-Retailers Attending Internet Retailer Conference & Exhibition 2011
Online marketing and organic search experts participate in the world’s largest e-commerce event.
Cary, NC, June 16, 2011 --(PR.com)-- Triangle Direct Media, online marketing and SEO technology experts, announced the company is an exhibitor at Internet Retailer Conference & Exhibition 2011 (IRCE), America’s largest e-commerce event. Triangle Direct will be exhibiting their new and improved version of SEOtool, an innovative and automated search engine optimization technology that uncovers site-wide issues to virtually any website and provides successful strategies to improve overall search performance at Booth 225.
Already adopted by several major online retailers, SEOtool identifies issues that limit a website’s success with poor rankings, index problems and low traffic. It allows SEO professionals, agencies and online marketers to spend less time manually identifying major architectural, linking and content issues and more time addressing page-specific or site-wide problems. The on-demand 24/7 access to data gives clients a deeper understanding of SEO and a greater appreciation of how to better present their information and content to the major search engines.
What: Internet Retailer Conference & Exhibition 2011
When: June 14 – 17, 2011
Where: San Diego Convention Center (Booth #225 near Starbucks)
IRCE is the world's largest e-retailing show, drawing attendees from key industries in retail, catalog, manufacturing and consumer service companies that specialize in online retailing. This year’s event is called “E-Commerce Shifts into Overdrive.” Attendees will gain knowledge of how e-commerce was first created and made lucrative through the advancement of basic best practices. The event will investigate why and how e-commerce is currently being dominated by superior players and shedding light onto their cutting-edge strategies, educating participants on how to execute successful technologies to stay competitive.
Stop by booth #225 today and view a demo of Triangle Direct’s new automated SEO technology and see why SEOtool has been considered "...more powerful than 99% of other search engine optimization analysis tools," from SEOtool.com.
Those unable to attend IRCE can contact Triangle Direct at contact@seotool.com. A representative of TDM will contact you to discuss your SEO needs and can arrange for a custom web-conference demonstration of SEOtool.
Already adopted by several major online retailers, SEOtool identifies issues that limit a website’s success with poor rankings, index problems and low traffic. It allows SEO professionals, agencies and online marketers to spend less time manually identifying major architectural, linking and content issues and more time addressing page-specific or site-wide problems. The on-demand 24/7 access to data gives clients a deeper understanding of SEO and a greater appreciation of how to better present their information and content to the major search engines.
What: Internet Retailer Conference & Exhibition 2011
When: June 14 – 17, 2011
Where: San Diego Convention Center (Booth #225 near Starbucks)
IRCE is the world's largest e-retailing show, drawing attendees from key industries in retail, catalog, manufacturing and consumer service companies that specialize in online retailing. This year’s event is called “E-Commerce Shifts into Overdrive.” Attendees will gain knowledge of how e-commerce was first created and made lucrative through the advancement of basic best practices. The event will investigate why and how e-commerce is currently being dominated by superior players and shedding light onto their cutting-edge strategies, educating participants on how to execute successful technologies to stay competitive.
Stop by booth #225 today and view a demo of Triangle Direct’s new automated SEO technology and see why SEOtool has been considered "...more powerful than 99% of other search engine optimization analysis tools," from SEOtool.com.
Those unable to attend IRCE can contact Triangle Direct at contact@seotool.com. A representative of TDM will contact you to discuss your SEO needs and can arrange for a custom web-conference demonstration of SEOtool.
###
Contact Information Triangle Direct Media
Anthony Feriozzi
919-386-5329
contact@triangledirectmedia.com
http://www.triangledirectmedia.com/
Anthony Feriozzi
919-386-5329
contact@triangledirectmedia.com
http://www.triangledirectmedia.com/
Source http://www.pr.com/
Labels:
Affliate Marketing
Mining the Right Keyword Mix for Successful SEM Campaigns
Keyword research is an integral part of developing a successful paid search marketing campaign. Finding the right mix of keywords can certainly be challenging, but once you’ve “cracked the code” and established an appropriate list of performing keywords, the results can be as exciting as they are profitable.
Here are some recommendations on how to get started amassing a keyword list that will work for you.
Finding Keywords
If you’re new to paid search marketing, or just getting started with a new account or campaign, the first thing you’ll want to do is compile a large list of potential keywords that you may want to incorporate into your account. Here’s a two-pronged approach to help you begin:
Step 1: Create an Organic Keyword List
Start by taking a look at the keywords you are employing for your search engine optimization (SEO) efforts. What keywords are woven throughout your site? Which of these keywords are effectively driving traffic to your site and/or landing pages?
While related, SEO and PPC are different channels. Ultimately, the keyword strategy you use for each need to reflect that. However, for the purpose of getting started with an initial list, culling keywords from your organic list is perfectly acceptable.
Step 2: Keyword Discovery/Expansion
Once you have your initial list in place, you’ll want to flesh it out to make sure you capture the myriad of ways searchers might be looking for your services/products/content/etc. When it comes to keyword list expansion, some popular approaches to focus on include:
This may seem like a daunting task at first, especially if you anticipate needing a large list of hundreds or even thousands of keywords. Fortunately, however, there are several tools available on the market to assist you – many of them quite inexpensive or even free.
This list will help you get started, but please know that it is by no means comprehensive – you should seek out and test various tools to find out which ones work best for you.
The downfall of many a search marketing campaign is lack of organization.
Trying to understand and manage a list of thousands of keywords (some marketers are even dealing with upwards of a million keywords) can be overwhelming, to say the least. As a result, marketers often don’t take the time to fully think through their campaigns prior to launching, which can be a costly mistake.
You can do all the keyword research in the world, but if you don’t complement that effort with one to create sound campaign architecture, you may see your campaigns fall flat. So, once you have your keyword list in place, don’t forget to think about how best to structure your campaigns.
Whatever search engine or ad network you're working with should offer you a number of targeting and ad grouping options to help you organize your keywords most effectively. Give yourself the best chance for success by taking advantage of the tools and expertise that are available to you before launching your campaigns.
Save up to $500! Register now for SES San Francisco. In addition to high-level strategy, keynotes, an expo floor with 100+ companies, networking events, and parties, you don't want to miss out on the latest trends and strategies during sessions on SEO, PPC management, social media, keyword research, local advertising, mobile engagement, link building, duplicate content, multiple site issues, online video, site optimization, usability, and more. Early bird rates expire July 22.
Source http://searchenginewatch.com/
Here are some recommendations on how to get started amassing a keyword list that will work for you.
Finding Keywords
If you’re new to paid search marketing, or just getting started with a new account or campaign, the first thing you’ll want to do is compile a large list of potential keywords that you may want to incorporate into your account. Here’s a two-pronged approach to help you begin:
Step 1: Create an Organic Keyword List
Start by taking a look at the keywords you are employing for your search engine optimization (SEO) efforts. What keywords are woven throughout your site? Which of these keywords are effectively driving traffic to your site and/or landing pages?
While related, SEO and PPC are different channels. Ultimately, the keyword strategy you use for each need to reflect that. However, for the purpose of getting started with an initial list, culling keywords from your organic list is perfectly acceptable.
Step 2: Keyword Discovery/Expansion
Once you have your initial list in place, you’ll want to flesh it out to make sure you capture the myriad of ways searchers might be looking for your services/products/content/etc. When it comes to keyword list expansion, some popular approaches to focus on include:
- Synonyms and common misspellings.
- Long tail (refined keyword phrases that often reflect a specific intention).
- Seasonal trends in searcher behavior and intent (e.g., back to school or Valentine’s Day).
- Commercial intent (e.g., phrases containing words like buy, fix, and cure).
- Competitive intelligence (using the high performing keywords of your competitors).
This may seem like a daunting task at first, especially if you anticipate needing a large list of hundreds or even thousands of keywords. Fortunately, however, there are several tools available on the market to assist you – many of them quite inexpensive or even free.
This list will help you get started, but please know that it is by no means comprehensive – you should seek out and test various tools to find out which ones work best for you.
- Google Keyword Tool
- Spyfu
- Wordtracker
- Market Samurai
- PPC Keyword Toolz
- Wordstream
- Traffic Travis
- KeywordSpy
- Speed PPC
- Keyword Elite
- SEO Book Keyword Typos Generator
- Keyword Ninja
- Sktool
- SEMrush
- KGen
- Wordpot
The downfall of many a search marketing campaign is lack of organization.
Trying to understand and manage a list of thousands of keywords (some marketers are even dealing with upwards of a million keywords) can be overwhelming, to say the least. As a result, marketers often don’t take the time to fully think through their campaigns prior to launching, which can be a costly mistake.
You can do all the keyword research in the world, but if you don’t complement that effort with one to create sound campaign architecture, you may see your campaigns fall flat. So, once you have your keyword list in place, don’t forget to think about how best to structure your campaigns.
Whatever search engine or ad network you're working with should offer you a number of targeting and ad grouping options to help you organize your keywords most effectively. Give yourself the best chance for success by taking advantage of the tools and expertise that are available to you before launching your campaigns.
Save up to $500! Register now for SES San Francisco. In addition to high-level strategy, keynotes, an expo floor with 100+ companies, networking events, and parties, you don't want to miss out on the latest trends and strategies during sessions on SEO, PPC management, social media, keyword research, local advertising, mobile engagement, link building, duplicate content, multiple site issues, online video, site optimization, usability, and more. Early bird rates expire July 22.
Source http://searchenginewatch.com/
Labels:
Affliate Marketing
Friday, 17 June 2011
i3results Chooses 90octane for a Strategic SEO Program and Marketing Conversion Recommendations
90octane will provide search engine marketing (SEM) services for the Explore Christian Universities website and consult on social media marketing and pay-per-click (PPC) advertising.
Denver, CO, June 17, 2011 --(PR.com)-- i3results, a company that provides universities with marketing solutions, lead management and conversion strategies, has hired conversion-driven marketing agency 90octane to run a strategic search engine marketing (SEM) program for Explore Christian Universities. The Explore Christian Universities website offers information and directory services for Christian colleges and universities across the United States. Explore Christian Universities works with i3results to implement its document and data management programs.
The goal of the program is to streamline site performance analysis, determining which programs are most useful in driving traffic to the site.
Conversion tracking will be used to measure the program’s success in fulfilling business objectives.
90octane will also consult the organization on a social media marketing program and offer pay-per-click (PPC) advertising training to supplement search engine optimization (SEO) efforts.
i3results
As a privately held corporation headquartered in Denver, Colorado with branch offices in Middlebury, Vermont and Riverside, California, i3results offers technological expertise developed at affiliate company i3logix, Inc. A direct response media agency, i3results provides lead generation and management solutions specifically for non-profit, regionally accredited universities and colleges. www.i3results.com.
Explore Christian Universities
Explore Christian Universities is a site allowing students to search for information about Christian colleges and universities across the United States. The site offers a school directory, information about schools, and the opportunity to request communication from the school. All of the colleges and universities listed are non-profit and offer accredited programs. Many offer financial aid for those who qualify. www.explorechristianuniversities.com.
Contact Information90octane
Annie Hay
720-904-8169
anniehay@90octane.com
www.90octane.com
The goal of the program is to streamline site performance analysis, determining which programs are most useful in driving traffic to the site.
Conversion tracking will be used to measure the program’s success in fulfilling business objectives.
90octane will also consult the organization on a social media marketing program and offer pay-per-click (PPC) advertising training to supplement search engine optimization (SEO) efforts.
i3results
As a privately held corporation headquartered in Denver, Colorado with branch offices in Middlebury, Vermont and Riverside, California, i3results offers technological expertise developed at affiliate company i3logix, Inc. A direct response media agency, i3results provides lead generation and management solutions specifically for non-profit, regionally accredited universities and colleges. www.i3results.com.
Explore Christian Universities
Explore Christian Universities is a site allowing students to search for information about Christian colleges and universities across the United States. The site offers a school directory, information about schools, and the opportunity to request communication from the school. All of the colleges and universities listed are non-profit and offer accredited programs. Many offer financial aid for those who qualify. www.explorechristianuniversities.com.
Contact Information90octane
Annie Hay
720-904-8169
anniehay@90octane.com
www.90octane.com
Source http://www.pr.com/
Labels:
Affliate Marketing
Human right to sponge off UK: 3,200 criminals, failed asylum seekers and benefit tourists can't be kicked out because of right to family life
Human rights law is demolishing every aspect of Britain’s immigration controls, Government papers reveal.
Every year, more than 3,200 foreign criminals, failed asylum seekers and EU ‘benefit tourists’ are using Labour’s Human Rights Act to thwart Home Office attempts to remove migrants – or stop them arriving in the first place.
The majority of cases are using the controversial Article 8, ‘the right to a private or family life’.
In the cases of almost 1,200 EU citizens, they had no intention of working but were allowed to stay, potentially to enjoy a life on benefits – because they have a wife, girlfriend or children here.
Ministers are so alarmed that they are planning a potentially explosive review of the ‘family life’ defence, which critics say is widely abused.
There has been a series of shocking cases of foreign killers and other criminals cheating deportation.
But the first Home Office audit of the full impact of the Human Rights Act has revealed it is sabotaging almost every part of the immigration system.
Every year, more than 3,200 foreign criminals, failed asylum seekers and EU ‘benefit tourists’ are using Labour’s Human Rights Act to thwart Home Office attempts to remove migrants – or stop them arriving in the first place.
The majority of cases are using the controversial Article 8, ‘the right to a private or family life’.
In the cases of almost 1,200 EU citizens, they had no intention of working but were allowed to stay, potentially to enjoy a life on benefits – because they have a wife, girlfriend or children here.
Ministers are so alarmed that they are planning a potentially explosive review of the ‘family life’ defence, which critics say is widely abused.
There has been a series of shocking cases of foreign killers and other criminals cheating deportation.
But the first Home Office audit of the full impact of the Human Rights Act has revealed it is sabotaging almost every part of the immigration system.
In the last three months of 2010, 99 foreign prisoners successfully claimed deporting them would breach their right to a family life in Britain – the equivalent of almost 400 each year. It is four times the previous estimate of 100 – which itself provoked outrage.
In addition, Article 8 thwarted the equivalent of 132 asylum removals last year. The separate Article 3 – the right to protection from ill-treatment – prevented the removal of the equivalent of 56 foreign criminals, and 16 asylum seekers.
The most shocking development, however, is the way the right to a family life is impacting on the rest of the immigration system.
Originally, the right to family life was applied in strict circumstances – such as a migrant having married here, and had children. In recent cases, this has been widened.
A Nepalese killer, Rocky Gurung, was allowed to remain although he was a single adult with no children, who lived with his parents.
A Sri Lankan robber was allowed to stay as he has a girlfriend in Britain. One Bolivian was allowed to remain to care for his pet cat.
In a letter to the Tory MP Dominic Raab, the Home Office disclosed that the equivalent of almost 600 economic migrants who had been denied a visa under the point-based system were using Article 8 to make successful appeals.
They claim that, while working in the UK, they have formed relationships in Britain.
If officials cannot remove migrants who are no longer judged to benefit British business, it could significantly undermine the Tory promise to cap economic migration.
In the equivalent of 120 cases, decisions by the Home Office to deny a migrant settlement – which leads to a British passport – were overturned using Article 8.
Amazingly, immigration judges were even interfering in decisions involving 1,200 EU nationals. Under EU law, citizens of other member states are free to settle in Britain provided they are either self-sufficient, meaning they have enough money to support themselves, or hold a job.
The rules are designed to prevent ‘benefit tourism’. But, in the last three months of 2010, 292 EU citizens successfully argued they have a human right to stay here without satisfying these conditions.
It gives them free access to the full benefits system, including housing.
They claim that they already have family or partners living here, and must be reunited.
Beneficiaries range from citizens of the original EU member states, such as France, to new members such as Poland.
Officials also lost the equivalent of almost 800 so-called ‘entry clearance’ cases last year – where migrants applying for visas while abroad were turned down, but won on appeal by claiming they had a right to join their family.
Last night, Mr Raab said: ‘This data shows the right to family life under the Human Rights Act being abused to frustrate the deportation orders of hundreds of serious criminals and undermine wider controls on economic migration.’
Sir Andrew Green, of Migrationwatch, said: ‘This is not just the right to family life. It is the right to family life at the expense of the hard-pressed taxpayer.’
In his letter to Mr Raab, Immigration Minister Damian Green said: ‘The Government intends to consult later this year on family migration and on the requirements which should be placed on foreign nationals who wish to establish a family life in the UK.
'Whilst everyone has a right to respect for their private life and family life under Article 8, it is not an absolute right, and it is legitimate to interfere with that right when it is in the public interest to do so.
‘This includes in particular cases where it is necessary to maintain our immigration controls. The Government intends to address these issues in the consultation.’
Any review involving the Human Rights Act is likely to cause tensions within the Coalition.
In opposition, the Tories promised to replace the Act with a British Bill of Rights after a series of failed deportation cases. But the Lib Dems are opposed to the idea, which has been kicked into the long grass.
Last night, the Home Office said: ‘We will consult on the family route shortly and look at what requirements we should place on foreign nationals who wish to establish a family life in the UK.’ The figures cover cases where the Home Office was defeated in the appeals court.
A Supreme Court judge yesterday appealed to European human rights judges to stop trying to force new laws on Britain.
Baroness Hale of Richmond said Strasbourg’s campaign to give the prisoners the vote is ‘some way ahead’ of law and opinion here.
And she said: ‘I have a fear that their judgements, and those of the national courts which follow them, will increasingly be defied by our governments and Parliaments.’
Source http://www.dailymail.co.uk/
In addition, Article 8 thwarted the equivalent of 132 asylum removals last year. The separate Article 3 – the right to protection from ill-treatment – prevented the removal of the equivalent of 56 foreign criminals, and 16 asylum seekers.
The most shocking development, however, is the way the right to a family life is impacting on the rest of the immigration system.
Originally, the right to family life was applied in strict circumstances – such as a migrant having married here, and had children. In recent cases, this has been widened.
A Nepalese killer, Rocky Gurung, was allowed to remain although he was a single adult with no children, who lived with his parents.
A Sri Lankan robber was allowed to stay as he has a girlfriend in Britain. One Bolivian was allowed to remain to care for his pet cat.
In a letter to the Tory MP Dominic Raab, the Home Office disclosed that the equivalent of almost 600 economic migrants who had been denied a visa under the point-based system were using Article 8 to make successful appeals.
They claim that, while working in the UK, they have formed relationships in Britain.
If officials cannot remove migrants who are no longer judged to benefit British business, it could significantly undermine the Tory promise to cap economic migration.
In the equivalent of 120 cases, decisions by the Home Office to deny a migrant settlement – which leads to a British passport – were overturned using Article 8.
Amazingly, immigration judges were even interfering in decisions involving 1,200 EU nationals. Under EU law, citizens of other member states are free to settle in Britain provided they are either self-sufficient, meaning they have enough money to support themselves, or hold a job.
The rules are designed to prevent ‘benefit tourism’. But, in the last three months of 2010, 292 EU citizens successfully argued they have a human right to stay here without satisfying these conditions.
It gives them free access to the full benefits system, including housing.
They claim that they already have family or partners living here, and must be reunited.
Beneficiaries range from citizens of the original EU member states, such as France, to new members such as Poland.
Officials also lost the equivalent of almost 800 so-called ‘entry clearance’ cases last year – where migrants applying for visas while abroad were turned down, but won on appeal by claiming they had a right to join their family.
Last night, Mr Raab said: ‘This data shows the right to family life under the Human Rights Act being abused to frustrate the deportation orders of hundreds of serious criminals and undermine wider controls on economic migration.’
Sir Andrew Green, of Migrationwatch, said: ‘This is not just the right to family life. It is the right to family life at the expense of the hard-pressed taxpayer.’
In his letter to Mr Raab, Immigration Minister Damian Green said: ‘The Government intends to consult later this year on family migration and on the requirements which should be placed on foreign nationals who wish to establish a family life in the UK.
'Whilst everyone has a right to respect for their private life and family life under Article 8, it is not an absolute right, and it is legitimate to interfere with that right when it is in the public interest to do so.
‘This includes in particular cases where it is necessary to maintain our immigration controls. The Government intends to address these issues in the consultation.’
Any review involving the Human Rights Act is likely to cause tensions within the Coalition.
In opposition, the Tories promised to replace the Act with a British Bill of Rights after a series of failed deportation cases. But the Lib Dems are opposed to the idea, which has been kicked into the long grass.
Last night, the Home Office said: ‘We will consult on the family route shortly and look at what requirements we should place on foreign nationals who wish to establish a family life in the UK.’ The figures cover cases where the Home Office was defeated in the appeals court.
Judge's appeal to European Court
Baroness Hale of Richmond said Strasbourg’s campaign to give the prisoners the vote is ‘some way ahead’ of law and opinion here.
And she said: ‘I have a fear that their judgements, and those of the national courts which follow them, will increasingly be defied by our governments and Parliaments.’
Her warning to the judges of the European Court of Human Rights is the first open rebuke by a serving member of the Supreme Court, the 12-judges tribunal that took over from the Law Lords as the highest court in Britain.
It appears to signal deepening unhappiness among the senior judiciary at the readiness of the Strasbourg court to make law for Britain. Her comments, in a speech at Gresham College, will carry extra impact as she is regarded as a keen supporter of human rights.
Britain has never allowed convicted prisoners to vote and Parliament has endorsed the ban. Strasbourg has given the Government until October before it takes further action.
It appears to signal deepening unhappiness among the senior judiciary at the readiness of the Strasbourg court to make law for Britain. Her comments, in a speech at Gresham College, will carry extra impact as she is regarded as a keen supporter of human rights.
Britain has never allowed convicted prisoners to vote and Parliament has endorsed the ban. Strasbourg has given the Government until October before it takes further action.
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Affliate Marketing
Care home burglar jailed after stealing residents' possessions
ELDERLY residents at a Hull care home had their treasured possessions stolen by a sneak-in thief as they slept in their beds.
The burglary at Sunningdale Court Nursing Home happened despite a previous incident when a resident at the home was raped by a man who walked in off the street, unchecked.
Cash-strapped owners Southern Cross, who are battling to keep the home in east Hull open, had vowed to improve security after the rape.
But Mandy Heath, 39, was still able to enter the home through an open door and steal watches and money from two residents, aged 92 and 81, as they slept.
One of the watches had been presented to war hero John Rhodes, 92, for services to his country.
Age UK Hull chief officer Sally Gould is calling on the nursing home to "smarten" up its practices.
She said: "It has happened once and now again and their practices need to be smartened up.
"For families, it is very worrying. They will be worrying about whether it will happen to their mums and dads.
"The home has a responsibility to make sure the security is good. Equally, there has to be a balance because you do not want the place to become a prison.
"There are ways that can be done and clearly it is not being done at this home.
"This care home provider needs to think very clearly about what it is going to do in the future. It's about respecting people's dignity and them and their loved ones knowing they are safe."
Last May, Antony Colin Samuel Norris, 25, was sectioned for raping a severely-disabled 76-year-old at the home after he was refused entry to a mental health unit next door in Birkdale Way, east Hull.
He had been kept at the unit, which is run by Humber NHS Foundation Trust, for six weeks and had been allowed out for the day.
But when Norris returned drunk, staff refused him entry.
He then walked into Sunningdale Court Nursing Home next door and carried out the horrific assault on the woman.
Speaking after the latest incident, Phil Lloyd, area manager for Southern Cross, said: "Following the break-in at our Sunningdale Court Nursing Homes in Hull, we would like to apologise for any concerns that may have been caused to our residents and their relatives.
"We would like to assure them that all our homes, including Sunningdale Court, follow strict safety protocol and are completely secure.
"The safety, security and wellbeing of our residents remains our number one priority."
Hull Crown Court heard Heath, who has more than 120 convictions for theft and dishonesty, was caught after stealing a pair of socks from Mr Rhodes' room.
The war veteran woke up just as Heath was leaving his room and went to confront her.
The drug addict, of Rustenburg Street, east Hull, was also confronted by a member of staff as she tried to leave and claimed she was visiting a relative.
Unable to provide a name for this relative, she made off before the police arrived.
Although Mr Rhodes was able to retrieve his bed socks, he later realised she had stolen his treasured watch, which has never been recovered.
The next day, it was discovered Heath had also stolen a watch from the wrist of resident Phyliss Harrison, 81, as she slept, along with money from her purse.
She was arrested when Heath's fingerprints were found on Mr Rhodes' sock drawer.
Detective Constable Andy Bradley said: "This was a nasty offence motivated by drugs. She preyed on these people because they were vulnerable. The victims are in frail health. It could have been a lot worse had they woken to find her standing over them."
Heath pleaded guilty to two counts of burglary at the nursing home on March 13 and has been sentenced to two and a half years in jail.
Recorder Tahir Khan QC said: "These are serious offences committed against elderly and vulnerable victims. The public expect that people who commit these offences are properly punished."
Heath's barrister Rodney Ferm said she was full of remorse.
He added: "She was at pains to tell me what a terrible thing she feels she has done. She is ashamed of what she has done.
"She would give anything to try and get the watch back.
"It appears a door was left open and she took the opportunity to go in."
Last year, the home had told the Mail it had installed an access control system to improve safety and would ask new visitors to provide identification before being allowed to enter the building.
Source http://www.thisishullandeastriding.co.uk/
The burglary at Sunningdale Court Nursing Home happened despite a previous incident when a resident at the home was raped by a man who walked in off the street, unchecked.
Cash-strapped owners Southern Cross, who are battling to keep the home in east Hull open, had vowed to improve security after the rape.
But Mandy Heath, 39, was still able to enter the home through an open door and steal watches and money from two residents, aged 92 and 81, as they slept.
One of the watches had been presented to war hero John Rhodes, 92, for services to his country.
Age UK Hull chief officer Sally Gould is calling on the nursing home to "smarten" up its practices.
She said: "It has happened once and now again and their practices need to be smartened up.
"For families, it is very worrying. They will be worrying about whether it will happen to their mums and dads.
"The home has a responsibility to make sure the security is good. Equally, there has to be a balance because you do not want the place to become a prison.
"There are ways that can be done and clearly it is not being done at this home.
"This care home provider needs to think very clearly about what it is going to do in the future. It's about respecting people's dignity and them and their loved ones knowing they are safe."
Last May, Antony Colin Samuel Norris, 25, was sectioned for raping a severely-disabled 76-year-old at the home after he was refused entry to a mental health unit next door in Birkdale Way, east Hull.
He had been kept at the unit, which is run by Humber NHS Foundation Trust, for six weeks and had been allowed out for the day.
But when Norris returned drunk, staff refused him entry.
He then walked into Sunningdale Court Nursing Home next door and carried out the horrific assault on the woman.
Speaking after the latest incident, Phil Lloyd, area manager for Southern Cross, said: "Following the break-in at our Sunningdale Court Nursing Homes in Hull, we would like to apologise for any concerns that may have been caused to our residents and their relatives.
"We would like to assure them that all our homes, including Sunningdale Court, follow strict safety protocol and are completely secure.
"The safety, security and wellbeing of our residents remains our number one priority."
Hull Crown Court heard Heath, who has more than 120 convictions for theft and dishonesty, was caught after stealing a pair of socks from Mr Rhodes' room.
The war veteran woke up just as Heath was leaving his room and went to confront her.
The drug addict, of Rustenburg Street, east Hull, was also confronted by a member of staff as she tried to leave and claimed she was visiting a relative.
Unable to provide a name for this relative, she made off before the police arrived.
Although Mr Rhodes was able to retrieve his bed socks, he later realised she had stolen his treasured watch, which has never been recovered.
The next day, it was discovered Heath had also stolen a watch from the wrist of resident Phyliss Harrison, 81, as she slept, along with money from her purse.
She was arrested when Heath's fingerprints were found on Mr Rhodes' sock drawer.
Detective Constable Andy Bradley said: "This was a nasty offence motivated by drugs. She preyed on these people because they were vulnerable. The victims are in frail health. It could have been a lot worse had they woken to find her standing over them."
Heath pleaded guilty to two counts of burglary at the nursing home on March 13 and has been sentenced to two and a half years in jail.
Recorder Tahir Khan QC said: "These are serious offences committed against elderly and vulnerable victims. The public expect that people who commit these offences are properly punished."
Heath's barrister Rodney Ferm said she was full of remorse.
He added: "She was at pains to tell me what a terrible thing she feels she has done. She is ashamed of what she has done.
"She would give anything to try and get the watch back.
"It appears a door was left open and she took the opportunity to go in."
Last year, the home had told the Mail it had installed an access control system to improve safety and would ask new visitors to provide identification before being allowed to enter the building.
Source http://www.thisishullandeastriding.co.uk/
Labels:
Affliate Marketing
You Can’t Make Money In The Market If You Are Too Afraid Of Losing It.
Consumer confidence is on the decline, employment growth has turned down, the Government is broke, the Dollar is going down the tubes, and government is broken. And that's the good news. Greece is defaulting on its debt, Ireland wants to be next, and the grandaddy of all encumbered beggars, the US seems helpless to mend its ways. Japan is on the verge of sliding into the sea, the Mideast is one protest away from exploding into oil burning conflagration. The unmitigated glee of doomsayers and alarmists is beginning to annoy me. It's amazing how people can hold themselves out as prognosticators of doom on every downturn. Let's check the facts:Myth 1: The stock market is a bad place to be
In the last twelve months equity markets as measured by the S&P 500 are up 25%
Myth 2: The job market is bad Nonfarm payroll employment changed little (+54,000) in May, and the unemployment rate was essentially unchanged at 9.1 percent, the U.S. Bureau of Labor Statistics reported today. Job gains continued in professional and business services, healthcare, and mining. Employment levels in other major private-sector industries were little changed, and local government employment continued to decline.
Myth 3. Inflation is taking hold
Although the CPI index has moved up every month this year through May levels are not off the chart compared to any period in the last ten years. Dampening consumer expectations and lower oil prices will most likely cause June numbers to be lower.
Myth 4. The US Government is broke and will have a hard time finding a way out of its debt crisis.
I'm not going to get involved in a political discussion about this but generally when someone's credit deteriorates, the first sign is lenders requesting higher rates or the actual inability to borrow money. Neither of these have happened to the U.S. Government so far. In fact the opposite trends are in place, lower yields and plenty of money to borrow.
Consumer confidence continues to be stifled by declining home values, high unemployment, high consumer debt loads, rising inflation, and government gridlock. The pace of the recovery from the recession has definitely turned down. The market is on pace to erase all of its gains for the year. The headlines are atrocious. But successful investing is never accompanied by herd behavior. You can't make money in the market if you are too afraid of losing it. I'm not going to post as much the next couple of days as I will be busy shopping for bargains.
Source http://www.istockanalyst.com/
In the last twelve months equity markets as measured by the S&P 500 are up 25%
Myth 2: The job market is bad Nonfarm payroll employment changed little (+54,000) in May, and the unemployment rate was essentially unchanged at 9.1 percent, the U.S. Bureau of Labor Statistics reported today. Job gains continued in professional and business services, healthcare, and mining. Employment levels in other major private-sector industries were little changed, and local government employment continued to decline.
Myth 3. Inflation is taking hold
Although the CPI index has moved up every month this year through May levels are not off the chart compared to any period in the last ten years. Dampening consumer expectations and lower oil prices will most likely cause June numbers to be lower.
Myth 4. The US Government is broke and will have a hard time finding a way out of its debt crisis.
I'm not going to get involved in a political discussion about this but generally when someone's credit deteriorates, the first sign is lenders requesting higher rates or the actual inability to borrow money. Neither of these have happened to the U.S. Government so far. In fact the opposite trends are in place, lower yields and plenty of money to borrow.
Consumer confidence continues to be stifled by declining home values, high unemployment, high consumer debt loads, rising inflation, and government gridlock. The pace of the recovery from the recession has definitely turned down. The market is on pace to erase all of its gains for the year. The headlines are atrocious. But successful investing is never accompanied by herd behavior. You can't make money in the market if you are too afraid of losing it. I'm not going to post as much the next couple of days as I will be busy shopping for bargains.
Source http://www.istockanalyst.com/
Labels:
Affliate Marketing
Boomerangers! Adult kids are moving back home
By Shane O'Reilly
Friday June 17 2011
There's the usual craic: lots of laughter, pints being spilt. And couples breaking off in pairs for a quick cigarette outside.
Suddenly your mobile phone rings and you make a rapid exit around the corner from the smokers, telling them you can't hear yourself think. But you've lied. You've seen the name on the screen and reluctantly answer.
So who's the mystery caller? And why can't you reveal their name?
It's your mother. Even though you're now 28, she wants to know when you are coming home for your dinner
It's a growing phenomenon -- one that's explained by a few stark statistics ...
At the start of the year there were 91,646 unemployed people under the age of 25 in Ireland. Emigration is the answer for some; the number of people leaving has risen by 10% in recent times.
The cost of renting may have dropped slightly, but not by as much as wages. High Celtic Tiger salaries are a distant memory for most.
So what is the answer for a growing number of 20-somethings? A return to the nest.
More and more of these 'Boomerangers', as they are labelled, have decided to move back home and start rebuilding their future from scratch, looking past the crisis and toward the long-term possibility of someday owning their own home.
Here we talk with two such people and their familiar landlords.
'It's about taking a step backward to go forward'
Alicia Daly (27) left home two years ago to find work in Australia after completing her law exams. She returned home and moved back in with her mother, Frances (somewhere in her 50s, she says). She recently got a job in marketing and never looked back.
When summer arrived with short bursts of sunshine and rain, Frances Daly found herself in the front garden on a good day. Strolling around the side of the house toward the back garden, she had to laugh.
"As it's summer now, the grass needs cutting more often. We have one of those sit-on mowers and it's quite funny to see little Alicia bouncing up and down the garden on it when most of the time she's rushing in and out of the house dressed up and in heels."
After finishing college, Alicia says she struggled to find a placement anywhere. Foreign shores provided temporary relief with bar work but nothing substantial career wise.
"My mum advised me to stay at home and save. While in college, I had wanted to leave the house and jump on the property market but my mother is a savvy woman and warned me not to.
"She felt very strongly that things were going to get bad. I hate to admit it but I trust her judgment, especially in terms of finance as she comes from an accountancy background."
"Alicia was the self-financing type after school," says Frances. "We paid for her college but she has always worked alongside her classes, finding her own jobs along the way. If she wanted something she got it herself."
The relationship between the two doesn't seem to have frayed at all. In fact, it has strengthened since Alicia's return home.
"I love living at home again. I get frustrated because obviously I have to live by my mum's rules, not mine, but she has always been understanding and open to myself, my brother and sister."
And the praise runs both ways.
"Alicia is my social butterfly. Wherever she goes, she makes friends and I love the sense of fun she brings to the house. We are certainly close but there is a boundary there of course.
"At the end of the day, I'm her mother and she's my daughter. We aren't flatmates and she knows that this is my house she is living in."
Alicia interrupts. "I suppose some things don't change. My room has been a bone of contention for my mum as she's been telling me for the past 27 years to clean it. But I do my own laundry. We do fight about TV the odd time. I've conceded the fight though and now I like watching Alibi TV, especially the Murdoch Mysteries."
But one must wonder how both are approaching the future, surely a bleak outlook. Amazingly, no.
"My mum is always saying how by 30, she was married with a husband, house, three kids and working full-time. So I'm clearly missing some elements. My plan is to move out in the near future and now thanks to living at home again I can do this. It's about taking a step backward to go forward."
Frances of course, gets in the last words of wisdom.
"Alicia can be headstrong sometimes but she listened to me about not buying a few years back at the peak so for the most part, yes, I have full faith in my daughter and her future," she laughs.
"But saying that, I still think she's mad to be even thinking about buying again now."
'I try to do a lot of odd jobs and DIY around the house '
Ronan (26) first moved out three years ago and worked in a number of jobs to pay rent. But he couldn't get a job he really wanted without a college degree, so he returned to his family home to plan his future.
He is now living with his parents and two siblings in Artane, North Dublin. He works full-time for a telecommunications company.
''I'm lucky enough to have a full- time job, doing software support in a call centre. I studied engineering at college, but for various reasons, I didn't complete it," says Ronan.
"I worked at a few weird jobs, including a toy shop and as a gardener, before I got into technical support.
"I've even managed to save up a bit for a possible mortgage or whatever I decide to do."
His mother, Catherine, 51, admits that it has been a surprisingly easy transition. The family bond well on most areas of day-to-day life.
"I understand the current dilemma and decided to treat it with mittens . . . rather than just scream at them and tell them they should be out of the house by now.
"He likes to think that he pulls his weight around the house. We don't have any sort of rota or chores, but he does try to help with the cleaning."
The situation, however, is not without its comical side for Ronan and his family.
"Sometimes," says Ronan, "it can still make you feel like a kid, living at home. Especially when you decide to go out after work, or not come home on a Friday night and you get a text or call asking whether or not you'll be home for dinner.
"It isn't exactly the kind of thing you want your friends to see in the pub."
Ronan is grateful for some home comforts, however -- "One thing I'm rubbish at is laundry. My basket has to start overflowing before I think about putting on a wash.
"Luckily my sister is pretty handy with an iron, so I've escaped having to learn that so far. I reckon I'd be pretty creased if I moved out! I try to do a lot of odd jobs and DIY around the house to make up for lacking in other areas."
He adds, "My dad can be a bit of a nightmare when he's decided the house isn't tidy enough. When he starts cleaning, you know it's too late.
"The best thing you can do is hope he doesn't break something and distract him with the TV."
But like anyone else his age, though focused on a possible mortgage, there are still lingering dreams.
"I've applied for a promotion in work, so that might be a step on the way to independence. Long term, maybe finish my degree. Another fantasy I have is to go and work in Australia for a couple of years."
Source http://www.independent.ie/
Labels:
Affliate Marketing
Home Economics: Shopping tips from the real estate pros
The situation: You want to make some improvements to your house, but don't want to spend money you don't have. Nor do you want to waste the money you do have by buying something inappropriate for your needs.
A tall order, for sure, and a situation many homeowners find themselves in as the economy totters toward a recovery that always seems just shy of a sure thing.
The Internet has made finding the best price for a product easier than it was 10 years ago, said developer Carl Dranoff, who has written the checks for more than a few renovations at his buildings over the years.
"The Internet has driven down the prices of just about everything," he said, "so there is little variation" from, for example, one manufacturer's refrigerator to the next.
Need replacement windows? A modest federal tax credit - up to $1,500 - is available until Dec. 31.
Energy-efficient windows will cut utility bills 7 percent to 15 percent, government data show. But the cost of complete window replacement for the average home is $7,500 to $10,000, according to the folks at the Environmental Protection Agency's Energy Star program.
They advise this: When you're interviewing contractors, ask them to break down the price quote by labor and materials, keeping in mind that although energy-efficient windows cost more, the labor costs for installation should be the same for all kinds of windows.
In general, experienced buyers recommend that you shop carefully, and know exactly what you want before you hand over your credit card or write a check to a supplier.
"A dozen years ago, you might have to go to specialty stores to find the really groovy items," said Center City real estate agent Mark Wade, who also buys and renovates condos for resale. "Today, it is as simple as hitting Lowe's, Target, or Home Depot."
Stores don't stock everything they offer, though. "Go online and see their entire product line," he suggested.
Durability is what developer Liz Solms looks for when she shops for products.
Solms is using sustainable or "green" materials to renovate apartments at Touraine in Center City, one of the buildings she co-owns around the country. She said she measured the value of these products by how long they would last.
"Time is money, right?" she said.
Jay Cipriani, president of Cipriani Builders, a Woodbury remodeling contractor, thinks so.
"Features to consider other than price might include durability, as well as whether the product will result in a healthier or safer environment" in your home, he said.
Another question to consider, Cipriani said: "Does it add value to the home?" He suggested looking for lesser-known names to get a good product and warranty. Look into how to buy directly from the manufacturer "rather than through big-box store or distributor," he said.
Sometimes, immediate need compels us to buy something without considering all the factors.
It's hot, and you need a window air conditioner. You find a website that lets you calculate the size you need - say, a 7,500-Btu unit. Several retailers are selling them for about $300, so finding the lowest price isn't the overwhelming issue. What else do you need to think about before you buy?
"Sales tax is one," Dranoff said. "Can you pick it up yourself, or do you need to have it delivered? Can you install it yourself, or do you need someone to do it for you?"
Not to mention these pertinent details: Can it make it through the doorway? Is the window too small or too big? How can you adjust the window opening so it will fit?
How close is the outlet? Is the outlet grounded? Will you need an electrician to install the proper outlet? How will the unit drain?
What about the warranty? Who will repair it if the unit breaks down? How easy is it to obtain parts?
If you plan to install something yourself, Cipriani said, "think about the hidden risks of self-installation, such as technical obstacles - plumbing or electrical, for example - or whether or not you need a permit before installation."
Dranoff favors American-made products because of the availability of parts and people who know how to repair them if they break. He prefers established products to new ones.
"New is not necessarily better," he said. "Consumer Reports suggests waiting a year on any product before you buy so that it will go through a cycle of consumer testing."
Source http://www.philly.com/
A tall order, for sure, and a situation many homeowners find themselves in as the economy totters toward a recovery that always seems just shy of a sure thing.
The Internet has made finding the best price for a product easier than it was 10 years ago, said developer Carl Dranoff, who has written the checks for more than a few renovations at his buildings over the years.
"The Internet has driven down the prices of just about everything," he said, "so there is little variation" from, for example, one manufacturer's refrigerator to the next.
Need replacement windows? A modest federal tax credit - up to $1,500 - is available until Dec. 31.
Energy-efficient windows will cut utility bills 7 percent to 15 percent, government data show. But the cost of complete window replacement for the average home is $7,500 to $10,000, according to the folks at the Environmental Protection Agency's Energy Star program.
They advise this: When you're interviewing contractors, ask them to break down the price quote by labor and materials, keeping in mind that although energy-efficient windows cost more, the labor costs for installation should be the same for all kinds of windows.
In general, experienced buyers recommend that you shop carefully, and know exactly what you want before you hand over your credit card or write a check to a supplier.
"A dozen years ago, you might have to go to specialty stores to find the really groovy items," said Center City real estate agent Mark Wade, who also buys and renovates condos for resale. "Today, it is as simple as hitting Lowe's, Target, or Home Depot."
Stores don't stock everything they offer, though. "Go online and see their entire product line," he suggested.
Durability is what developer Liz Solms looks for when she shops for products.
Solms is using sustainable or "green" materials to renovate apartments at Touraine in Center City, one of the buildings she co-owns around the country. She said she measured the value of these products by how long they would last.
"Time is money, right?" she said.
Jay Cipriani, president of Cipriani Builders, a Woodbury remodeling contractor, thinks so.
"Features to consider other than price might include durability, as well as whether the product will result in a healthier or safer environment" in your home, he said.
Another question to consider, Cipriani said: "Does it add value to the home?" He suggested looking for lesser-known names to get a good product and warranty. Look into how to buy directly from the manufacturer "rather than through big-box store or distributor," he said.
Sometimes, immediate need compels us to buy something without considering all the factors.
It's hot, and you need a window air conditioner. You find a website that lets you calculate the size you need - say, a 7,500-Btu unit. Several retailers are selling them for about $300, so finding the lowest price isn't the overwhelming issue. What else do you need to think about before you buy?
"Sales tax is one," Dranoff said. "Can you pick it up yourself, or do you need to have it delivered? Can you install it yourself, or do you need someone to do it for you?"
Not to mention these pertinent details: Can it make it through the doorway? Is the window too small or too big? How can you adjust the window opening so it will fit?
How close is the outlet? Is the outlet grounded? Will you need an electrician to install the proper outlet? How will the unit drain?
What about the warranty? Who will repair it if the unit breaks down? How easy is it to obtain parts?
If you plan to install something yourself, Cipriani said, "think about the hidden risks of self-installation, such as technical obstacles - plumbing or electrical, for example - or whether or not you need a permit before installation."
Dranoff favors American-made products because of the availability of parts and people who know how to repair them if they break. He prefers established products to new ones.
"New is not necessarily better," he said. "Consumer Reports suggests waiting a year on any product before you buy so that it will go through a cycle of consumer testing."
Source http://www.philly.com/
Labels:
Affliate Marketing
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