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new home A C-141
Air Force Reserve Command Public Access Web Page Home News Releases Resources for Reservists /Employers Subscribe AFRC Units Site map Search AFRC Charleston Reserve unit help set C-17 flying record CHARLESTON AIR FORCE BASE, S.C. (AFPN) -- The largest formation of C-17 Globemaster IIIs from a single base took off this morning from here in a demonstration of the strategic airdrop capability of the Air Force. ( full story ) Air Force Reserve Command Headlines Hurricane hunters close out record season KEESLER AIR FORCE BASE, Miss. -- The "Hurricane Hunters" of Air Force Reserve Command's 53rd Weather Reconnaissance Squadron flew their last mission of the record 2005 Atlantic Hurricane Season in December. Bradley endorses new hearing protection for Reservists WRIGHT-PATTERSON AIR FORCE BASE, OHIO -- Technology developed at the Air Force Research Laboratory here to prevent noise-induced hearing loss will become the preferred solution for Air Force Reserve Command aviators. AF Reserve Command vice commander retires ROBINS AIR FORCE BASE, Ga., -- Maj. Gen. David E. Tanzi, Air Force Reserve Command vice commander, will retire in a ceremony Jan. 11 after 37 years of service. Leadership changes in AFRC, 10th Air Force ROBINS AIR FORCE BASE, Ga. Senior leaders in Air Force Reserve Command and one of its numbered air forces change jobs in late December and early January. Space group to activate new unit SCHRIEVER AIR FORCE BASE, Colo. Air Force Reserve Commands 310th Space Group will travel deeper into the space program when it activates a new unit Jan. 7. Security forces compete for Air Force awards ROBINS AIR FORCE BASE, Ga. Security forces units in Ohio and New Jersey are competing for the title of best Air Force Reserve Command SF unit. In addition, these units have representatives in the hunt for top individual awards in the Air Force. Reservists act as Santa for Veterans Home residents MINNEAPOLIS-ST. PAUL JOINT AIR RESERVE STATION, Minn. (AFPN) -- Santa visited the residents of the Minnesota Veterans Home in Minneapolis Dec. 13, but this time he came in the form of the Air Force Reserve. Hanoi Taxi checks out its new home A C-141 Starlifter aircraft, better known as the Hanoi Taxi, flies over its soon-to-be new home at the National Museum of the U.S. Air Force adjacent to Wright-Patterson AFB, Ohio, Dec. 13. This particular aircraft gained fame when it was used to return American prisoners of war back home at the end of the Viet Nam War. As the last operational C-141 in Air Force Reserve Command's 445 Airlift Wing, the historic aircraft is scheduled to retire and be dedicated at the museum May 5-6. The Reserve wing started replacing its C-141s with C-5 cargo aircraft in October and plan to have a total of 11 C-5s by April 2007. (Courtesy Photo by John Rossino) Download Full Image New rules to reinforce Guard, Reserve re-employment protections WASHINGTON (AFPN) -- The National Committee for Employer Support of the Guard and Reserve is lauding the Labor Department announcement issuing rules clarifying re-employment rights for citizen-soldiers. They said the Dec. 16 announcement is a major step forward for guardsmen, reservists and their civilian employers. 301st home from Iraq 12/12/2005 - NAJ JRB FORT WORTH, Texas -- Capt. Chris Gough, 457th Fighter Squadron pilot, gathers hugs of love from his family members after their return from Iraq. More than 150 members of the Air Force Reserve Command's 301st Fighter Wing returned Dec. 11 following a two-month deployment Balad AB, Iraq in support of the Air Expeditionary Forces. Other AFRC F-16 units are scheduled to return from Balad in January. (U.S. Air Force photo by Tech. Sgt. Julie Briden-Garcia) ( hi-resolution image ) Red, White and Air Force Blue Christmas Lee Ann Womack helps ring in the holidays with a special tribute for Air Force members. Click here to go to Air Force Link and click on the Air Force Holiday Music tab to listen in to this holiday special. Reservists can manage career info online DENVER (AFPN) -- Air Force reservists can now go online to create an account on the Reserve Personnel Centers Virtual Personnel Center-Guard Reserve portal. Reserve Personnel Center automates 20-year and mortgage letters DENVER (AFPN) -- The Air Reserve Personnel Center set another transformation milestone with the self-service automation of the reissue of 20-year and mortgage letters. Delivering the 'J' Lt. Gen. John A. Bradley, commander of Air Force Reserve Command, sits in in the cockpit before takeoff in a new C-130J Hercules Monday from the Lockheed-Martin facility in Marietta, Ga. General Bradley helped ferry the Herc from Marietta to the 403rd Wing at Keesler Air Force Base, Miss. The flight took about one hour. ( hi-resolution ) Trick Pony brings season's greetings to troops Trick Pony, Country Music Award winners, join up with Blues Traveler's John Popper to hitch a ride and entertain U.S. troops in Germany, Turkey, a forward-operating base in Southwest Asia, and a final stop at Keflivik, Iceland. From left, Ira Dean, Heidi Newfield, John Popper and Keith Burns bring it all together to tell the troops thanks. (U.S. Air Force photo by Ken Hackman) ( More photos and story ) Air Force Reserve fighters destroy terrorist hideout SOUTHWEST ASIA Air Force Reserve Command F-16 pilots bombed a booby-trapped house near Al Mahmudiyah, Iraq, Nov. 23. Reservist giving warfighters gifts they can use INCIRLIK AIR BASE, Turkey (AFPN) -- Giving and receiving are the hallmarks of the holiday season. If you don't believe it, ask the aerial porters here who receive an average of 600,000 pounds of cargo every day and give the warfighters in Iraq "gifts" they can use. Ramstein Reservist helps injured troops get home RAMSTEIN AIR BASE, Germany (AFPN) -- "Home for the holidays" is a familiar goal for many military people, but not Tech. Sgt. Katheryn Bicker. This Reservist from the 944th Fighter Wing at Luke AFB, Ariz., is forgoing her own holidays to help others in what she feels is the true spirit of the season. Late bloomer goes to other lands to help people WRIGHT-PATTERSON AIR FORCE BASE, Ohio A flight nurse in the 445th Aeromedical Evacuation Squadron here is a classic example of a late bloomer. 9 one-stars, 15 colonels get promotion nod WASHINGTON Nine brigadier generals and 15 colonels in the Air Force Reserve were nominated by the president Nov. 22 for promotion to the next higher rank. US builds bonds during the 2005 Dubai air show DUBAI, United Arab Emirates Usually when one thinks of the United States displaying air power in the Middle East, the promotion of economic growth and good will does not come to mind, but that is exactly why the U.S. Air Force and Navy are on hand during the Dubai 2005 Air Show. Reservist medical-dental records easier to get DENVER (AFPN) -- The Air Reserve Personnel Center will move the medical and dental records of some reservists to the active-duty base where they serve as part of a test to streamline operations. Reserve F-16s strike insurgents in Iraq SOUTHWEST ASIA -- Air Force Reserve Command F-16s along with Air Force F-15s and Predators flew air strikes against insurgents near the Iraqi-Syria border Nov. 14 in support of Operation Steel Curtain. ( full story ) Reserve F-16s patrol over Iraq FORT WORTH, Texas -- Air Force Reserve Command F-16 Fighting Falcon fighters are providing combat air support for U.S. and coalition forces in Iraq. Hundreds of aircrews and support people from four fighter wings began flying close-air-support and combat air patrol missions in September on a rotational basis. The last contingent of reservists from the 10th Air Force units returns home in January. Holiday season message highlights importance of life WASHINGTON As the holiday season and another year approach, let us take time to consider what is really important family and friends. Home Please read this privacy and security notice AFRC Units Resources for Reservist Pubs and Forms News Releases Search AFRC Contact Public Affairs FOIA Site map AFRC Site Accessibility Page last updated on December 29, 2005 Hot Job opportunities V olunteer R eserve S ystem Job vacancies Active Guard and Reserve Air Reserve Technician Civil Service positions Join the Air Force Reserve News and Information News Release s Citizen Airman Magazine Handbook for Congress AFRC Facts and Figures AFRC Fact Sheets AFRC Leadership Bios AFRC Mission Briefing Air Force Link AF TV News AF Radio News Airman Magazine Army News Service Defense Link Early Bird Anthrax Brief Parent Pin Program Freedom of Information AFRC Units/Directorates AFRC Wings/Groups AF Reserve Band Command Chaplain Logistics (Contracting) Resources for Reservists FAQs about active duty Guard Reserve Portal USERRA Advisor Military Health System Family Readiness Reserve Advisory Board Pay Matters Air Force Crossroads Resources for Employers Employer Support of the Guard and Reserve (ESGR) Info for Employers Info for Military Info for Volunteers Get the facts: Read the latest edition of Air Force Reserve Handbook for Congress
Home Equity Conversion (HEC).
Home Equity Conversions: Reverse Mortgages Home Equity Conversions: Reverse Mortgages Authors: Celia Ray Hayhoe, Ph.D, CFP®, Family Resource Management Cooperative Extension Specialist and Stacey Williamson, Graduate Assistant; Virginia Tech Publication Number 354-025, Posted April 2004 Many senior adults are finding it hard to live on their fixed retirement incomes and are looking for ways to supplement those incomes. For some, the largest asset they own is their home, but they do not want to sell their home and move. For these individuals, there is an option called Home Equity Conversion (HEC). One type of home equity conversion is a reverse mortgage. The equity or cash value of the house is used to provide income to repay the loan. All reverse mortgage options are not the same. They have different eligibility requirements, income amounts, timing of payments, interest rates, and/or initial costs. Homeowners should compare the different options, keeping in mind their goals and needs. Advantages The value of your house, not your income, is used to determine eligibility. You can receive a lump sum, a line of credit, or a monthly amount, without having to make a monthly repayment. You do not have to sell your home and move, and can continue to live in the same familiar surroundings. You do not have to worry about losing your home to foreclosure since the payments are made out of your equity in the home, not from your income. The loan must be repaid when the house is no longer used as your personal residence. However, the lender can only look to the proceeds from the sale of the house for repayment. They cannot go to your heirs if the house sells for less than what was borrowed. Money can be used for any purpose. You must attend a free HECM/HUD approved counseling session to see if this type of mortgage is right for you. Disadvantages Interest for a reverse mortgage is compounded, and cannot be deducted on income taxes until you repay it. The income you receive decreases the equity in your home, and the equity may not be adequate for your future needs or for your estate. Interest rates and initial costs (application fees, points and closing costs) are usually higher for a reverse mortgage than for other equity loans. Income ends when you sell your home or no longer use it as a principal residence. Payments may affect Supplemental Security Income and Medicaid payments. You must attend a free HECM/HUD approved counseling session. This may add time to the process of obtaining a loan. You may need to pay off your existing mortgage out of the proceeds of your reverse mortgage. You will be required to maintain the house, pay the taxes, and carry property insurance. Eligibility You could be eligible if you own your own home, use the home as your principal residence, and are at least 62 years of age. You must also have adequate equity in the home. A lender looks at the equity in the home plus any expected appreciation or depreciation in the value of the home to calculate a base amount. The costs associated with any reverse mortgage loan (application fees, interest rates, closing costs, initial charges, sales commissions, and homeowner's insurance) also must be considered. All reverse mortgages currently available in Virginia require homeowner's insurance. The lender and the homeowner must work together to determine the type of payment, the payment amount, and the time period. This is determined not only by the calculations of the base amount by the lender, but also by keeping your goals and financial needs in mind. Income Income from a reverse mortgage is not taxable, and will not affect Medicare eligibility or benefits. But the added income can affect both Supplemental Security Income and Medicaid eligibility and benefits for Virginia residents. Confused? A home equity conversion is not a home equity loan! Home-equity loans require that a homeowner has enough income to pay back the loan, and the payments are made in monthly amounts. A home-equity loan would not work for the majority of senior adults who are living on limited fixed incomes and who could not afford a loan payment. Example A wide variety of loan options are available depending upon your age, the amount of equity available, the time period of the loan, and the way payments are disbursed. For example, Mary Jones, a 75-year-old widow whose home is her principal residence, is looking at a ten-year reverse mortgage that will provide her with additional monthly income of approximately $450. At the end of the ten years the monthly income payment will stop. But because her loan is through an insured lender (loans offered by HUD approved lenders have government guarantees), the loan will not have to be repaid until she sells the home, moves, or dies. Home Equity Conversion Checklist These questions can to help you determine if you are eligible for a home equity conversion (HEC). YES NO 1. Are you 62 years of age or older? _____ _____ 2. Is your mortgage paid off in full or nearly so? _____ _____ 3. Do you use your home as your primary residence? _____ _____ If you have answered yes to questions 1 through 3, you might want to consult with an HEC lender for specific information. The following questions will help to determine if you are eligible for a Housing and Urban Development (HUD) home equity conversion. A HUD-HEC is similar to other HECs but with additional requirements for the property and residents. 4. Is your home a single-family dwelling? _____ _____ 5. Will your home probably meet HUD minimum property standards? _____ _____ 6. Is your family income less than 80% of area median? _____ _____ If you have answered yes to questions 1 through 6; you might want to consult with a HUD-HEC lender for specific information. The following is a list of HEC/Reverse mortgage programs. FHA - HECM (Home Equity Conversion Mortgage) Guaranteed by FHA/HUD Flexible Income Payment Option Growing Line of Credit Maximum Lending Limit - $ 280,749 Cash Account Flexible Income Payment Options Growing Line of Credit Higher Equity Release Options No Maximum Lending Limit HomeKeeper by Fannie Mae Guaranteed by Fannie Mae Line of Credit Options Maximum Lending Limit - $ 322,700 Zero Point Cash Account Closing Costs Limited Minimum Draw at Closing Required Interest Rate Cap No Maximum Lending Limit The following lenders offered HEC/Reverse mortgages as of March 2004: Mortgage Capital Investors Equity Division 6571 Edsall Road Springfield, VA 22151 (703) 941-0711 East West Mortgage - HECM, HK, CA 4321 Northview Drive Bowie, MD 20716 (866) 9REVERSE [(866) 973-8377] (301) 809-1568, ext. 225 Financial Freedom Senior Funding Corp. (Subsidiary of Lehman Brothers, FSB) - HECM, HK, CA (800) 368-3254 Reverse Mortgages of the Mid-Atlantic - HECM, HK, CA (800) 745-0102 Suntrust 564 Lynnhaven Parkway Virginia Beach, VA 23452 (757) 431-4876 Fidelity & Trust Mortgage, Inc. - HECM, HK, CA 7229 Hanover Parkway Suite C Greenbelt MD 20770 (703) 273-3797 (800) 458-4624 People's Choice Mortgage - HECM, HK, CA (757) 564-8596 Wells Fargo Home Mortgage - HECM, HK (888) 292-1180 Inclusion on this list of lenders does not imply endorsement by Virginia Cooperative Extension, nor does omission from this list imply a lack of endorsement. Home Equity Conversion Comparison Worksheet Name of Lender Features Payment Option: ----------------------- ----------------------- ----------------------- Lump Sum Option Line of Credit Option Monthly Benefit Option APR (Annual Percentage Rate) Time Period Application Costs Closing Costs Sales Commissions Insurance Costs Other Initial Charges For More Information AARP Home Equity Information Center 601 E. Street NW Washington D.C. 20004 (202) 638-2863 http://www.aarp.org/revmort/ Reverse Mortgage Money (866) 363-1914 requestinfo@reversemortgagemoney.com American Credit Counselors Tudor Square, Ste. 10 211 Roanoke St. Christiansburg, VA 24073 (800) 926-0042 virginia@cccsswva.org http://www.americancredit.org HECM Counseling National Center for Home Equity Conversion 360 Robert Street North Suite 403 St. Paul, MN 55101 (651) 222-6775 People Incorporated 1173 W Main St Abingdon, VA 24210-2428 (540) 623-9000 HECM Counseling Original authors: Patricia Gorman, graduate assistant, and Kathleen Parrott, former Extension housing specialist, Virginia View this document in PDF format Visit Virginia Cooperative Extension
Texas Land 700 West
Jerry Patterson For Texas Land - Community & Social Services - Austin, TX, 78701-2727 - Citysearch 7 BOC Spa & Beauty: 7 days till voting begins -- New to Citysearch? Sign In · Help · Dec 29 2005 Home Restaurants Bars & Clubs Hotels Shopping Spa & Beauty Movies Events See More Categories » Search Business name, category, and/or keyword Search by name only Address, city & state, or zip | Neighborhood Address, city & state, or zip | Neighborhood Address, city & state, or zip | Airport Address, city & state, or zip | Attraction Select a Austin Neighborhood Arboretum Bergstrom Airport Buda CedarPk/Leander Downtown Austin East Austin Georgetown Hill Country Hyde Park Lake Travis North Austin Northeast Austin Northwest Hills Oak Hill Round Rock/Pflugerville San Marcos South Austin Southeast Austin Tarrytown Travis Heights University of Texas - Austin West Austin West Lake Hills Select an Austin Airport Select an Austin Attraction My Locations Add/edit locations Recent Locations Clear recent locations Save to My Citysearch Printer Friendly Version Home · Yellow Pages · Community & Social Services · Political Organizations · Profile Jerry Patterson For Texas Land 700 West Ave Austin, TX 78701-2727 (512) 477-2427 7.6 Overall Popular About our ratings Ratings feedback Send to a Friend Own this business? » Enhance or edit your listing See something wrong? » Suggest a correction Things to do nearby: 700 West Ave Austin, TX 78701-2727 · Restaurants · Hotels · Bars · Movie Theaters · Department Stores · Shopping Centers & Malls · Grocery Stores · Pharmacies · Florists · Banks Related Searches · Austin Community & Social Services · Austin Political Organizations Community & Social Services · Search anything in Austin · Search Yellow Pages in Austin · Search other Cities · Browse Austin Editorial Lists Related Editorial Content Dog-Friendly Austin We've sniffed out the city's best spots for a full day of doggie nirvana. So grab a leash and lap up the fun. Sail On Find a sport on the water that uses your muscles. Downtown Walking Tour The must-dos of downtown. View More » Driving Directions 1. Enter starting address: Address: City: State: Postal Code: 2. Enter destination address: Address: City: State: Postal Code: Options Display type: Text Turn by turn maps with text Avoid the following: Limited access highways Toll Ferry lanes Find A Different Location Enter Location Address: Address: City: State: Postal Code: About Us | Advertise with Us | Contact Us | Press Center | Site Guide | List Your Business on Citysearch | Become an Affiliate | Job Opportunities | Other Cities | Get a Business Website | Submit an Event | Privacy Policy | Terms of Use | Austin Yellow Pages Citysearch is a registered trademark of 720619 Ontario Inc. and is used under license (C) 2005 Citysearch.com All rights reserved. partner sites: Evite - Entertainment.com - Gifts.com - TripAdvisor - ServiceMagic - Ticketmaster - Expedia - Hotels.com - Hotwire - HSN - LendingTree - Match.com - RealEstate.com - ReserveAmerica - Zerodegrees - CondoSaver - ClassicVacations - Ballard Designs - Frontgate - Garnet Hill - Smith+Noble - The Territory Ahead - Travel Smith
Denver Real Estate
REcolorado.com - brought to you by Metrolist Inc. -- Welcome to REcolorado - Colorado's Premier Public Property Listing Website Find A Home Required Fields Property Type: Residential Condominium Income Land Sort Order: Price City Square Feet Bedrooms Bathrooms Street Name Optional Fields Price: (default $0 to $999,999,999) From To Finished Square Ft: From To Bedrooms: From To Bathrooms: From To Car Spaces: From To Address #: From To Street Name: City: ALL AGATE AGUILAR AKRON ALLENSPARK ALMA ARVADA AURORA BAILEY BELLVUE BENNETT BERTHOUD BLACK HAWK BOULDER BOW MAR BRECKENRIDGE BRIGHTON BROOMFIELD BRUSH BUENA VISTA BUFFALO CREEK BYERS CALHAN CANON CITY CARBONDALE CASTLE ROCK CEDAREDGE CENTENNIAL CENTRAL CITY CHERRY HILLS VILLAGE COALDALE COKEDALE COLORADO CITY COLORADO SPRINGS COLUMBINE VALLEY COMMERCE CITY COMO CONIFER COPPER MOUNTAIN COTOPAXI CRAIG CRESTED BUTTE DACONO DEER TRAIL DELTA DENVER DILLON DIVIDE DRAKE DUMONT DUPONT EAGLE EASTLAKE EATON EDGEWATER ELBERT ELIZABETH ELK SPRINGS EMPIRE ENGLEWOOD ERIE ESTES PARK EVANS EVERGREEN FAIRPLAY FEDERAL HEIGHTS FIRESTONE FLAGLER FLORISSANT FORT COLLINS FORT LUPTON FORT MORGAN FOUNTAIN FOXFIELD FRANKTOWN FRASER FREDERICK FRISCO GARDNER GEORGETOWN GILCREST GLENDALE GLENWOOD SPRINGS GOLDEN GRANBY GRAND JUNCTION GRAND LAKE GRANT GREELEY GREENWOOD VILLAGE GROVER GUFFEY HAMILTON HARTSEL HENDERSON HIGHLANDS RANCH HILLROSE HOEHNE HOT SULPHUR SPRINGS HUDSON HUGO IDAHO SPRINGS IDLEDALE INDIAN HILLS JAMESTOWN JEFFERSON JOHNSTOWN KEENESBURG KEYSTONE KIOWA KITTREDGE KREMMLING LA SALLE LA VETA LAFAYETTE LAKE GEORGE LAKEWOOD LARKSPUR LAST CHANCE LEADVILLE LIMON LINDON LITTLETON LIVERMORE LOCHBUIE LONE TREE LONGMONT LOUISVILLE LOVELAND LYONS MATHESON MEAD MEEKER MERINO MILLIKEN MOFFAT MONTROSE MONUMENT MORRISON NATHROP NEDERLAND NIWOT NONE NORTHGLENN NUNN ORCHARD OTIS PALMER LAKE PARKER PARSHALL PEETZ PENROSE PEYTON PINE PINECLIFFE PLATTEVILLE PUEBLO RAMAH RED FEATHER LAKES ROGGEN ROLLINSVILLE RUSH SAGUACHE SALIDA SAN LUIS SAN PABLO SEDALIA SEIBERT SEVERANCE SHAWNEE SHERIDAN SILVER PLUME SILVERTHORNE SIMLA STEAMBOAT SPRINGS STERLING STRASBURG SUPERIOR TABERNASH THORNTON TRINIDAD TWIN LAKES VAIL VICTOR VONA WALDEN WALSENBURG WATKINS WATTENBURG WESTCLIFFE WESTMINSTER WESTON WHEAT RIDGE WIGGINS WINDSOR WINTER PARK WOODLAND PARK WOODROW WRAY YODER Zip Code: County: ALL ADAM ALAMOSA ARAPAHOE ARCHULETA BENT BOULDER BROOMFIELD CHAFFEE CLEAR CREEK CONEJOS COSTILLA CROWLEY CUSTER DELTA DENVER DOLORES DOUGLAS EAGLE EL PASO ELBERT FREMONT GARFIELD GILPIN GRAND GUNNISON HINSDALE HUERFANO JACKSON JEFFERSON KIOWA KIT CARSON LAKE LARIMER LAS ANIMAS LINCOLN LOGAN MESA MOFFAT MONTROSE MORGAN OURAY PARK PUEBLO RIO BLANCO ROUTT SAGUACHE SEDGWICK SUMMIT TELLER WASHINGTON WELD YUMA Subdivision: -- MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: Terms of Use Privacy Policy Fair Housing © 1998-2005 Metrolist, Inc. All rights reserved.