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MCB .. Home En Espa ol About MCB MCB Services Contractors Mortgagees Selling Agent Purchasers Special Programs FAQ Forms Employment Contact Us Welcome to Michaelson, Connor, & Boul, Inc. We are an asset management company that specializes in real estate services for mortgage and banking institutions, private companies and the United States Department of Housing and Urban Development. We provide superior real estate services driven by integrity. We are committed to providing our customer base with superior value and the highest quality services available. For Property Listings please select a state on the right or click here Announcements In observance of the Christmas and New Years Holidays, the offices of Michaelson, Connor and Boul will be closed on Monday, December 26, 2005 and Monday, January 2, 2006. As a result, those properties that would have had a bid deadline of 11:59 pm on December 25, 2005, will have a bid deadline of 11:59 pm December 26, 2005, and those that would have had a bid deadline of 11:59 pm January 1, 2006 will have a bid deadline of 11:59 pm on January 2, 2006. New Forfeiture and Extension Policy HUD has released a new list of allowable costs that can be credited against the amount on line 5 of the HUD purchase agreement. The effective date of the notice is June 26, 2005 and applies to all sales that close on or after that date. You can review the complete notice by clicking here: Housing Notice 2005-12 and the new form here: Forfeiture and Extension Policy 6-20-05 . Remember, you must include any closing cost allowance requested on your bid at the time the bid is submitted for consideration. Requests to add closing cost allowance after bid submission will not be approved. Sub-contracting opportunities in Colorado, Montana, Utah, and Wyoming. Details - RFPs All MCB Announcements State Links Arizona Colorado Michigan Montana Nevada Ohio Utah Wyoming ©2004 Michaelson, Connor & Boul, Inc

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Nanaimo Real Estate | Nanaimo Real Estate Agents Nanaimo Real Estate Nanaimo real estate is one of the fastest growing enterprises on Vancouver Island. Nanaimo's prospects are exceptional, partly because of its frontier status as a portal to the massive recreational market of Vancouver Island. While the demand for real estate in Nanaimo is maintained by this gateway status, it is bolstered further by the steady increase in ecotourism. International visitors by the millions will continue to be drawn by the incredible power of the west coast beaches, the serene beauty of the Georgia Strait archipelagoes, and some of the remaining stands of old-growth forest in the Pacific Northwest. But Nanaimo's charm isn't just in its environmental context. The city itself is a thriving multiculural hub that fills in the corners of contemporary life. You'll find everything here, from avant-garde art societies to adventure games and a floating pub. Further discussion of Nanaimo real estate can be found on our Nanaimo chat forum . Join the conversation! Nanaimo Real Estate Agents The city's development has been marked by unprecedented booms, always straining at the seams and threatening to burst somehow, but Nanaimo real estate agents haven't cracked. A resilient west coast lot, they have a reputation for being laidback and candid. Attention, motivated Nanaimo real estate agents! There's still time to capture the targeted, high-traffic advertising space on this page and our Nanaimo realtors page. You must recognize the advantage of capturing internet searches in your quest for leads. If you are interested, email seogerry@seo-guy.com . Nanaimo, British Columbia MLS Listings If you would like to search the MLS Listings from anywhere in Canada, all you need to do is go to www.mls.ca . From there, you can find all the home listings in Nanaimo and the surrounding areas. We are eager to support the promotion of Nanaimo real estate becausewe are so proud of our peaceful lifestyle, refreshed by an artsyunderside but reinforced by sound economic conservatism. Nanaimo realestate prices are modest and growing, making a lifestyle in Nanaimoboth secure and profitable. Come and visit us, and you'll find that apart of you has always longed to settle into Nanaimo real estate. Nanaimo Real Estate : Nanaimo Homes : Nanaimo Realtor Thank you for visiting our Nanaimo Real Estate page The Nanaimo Real Estate staff Nanaimo Real Estate Nanaimo Realtors Nanaimo Homes Remax Nanaimo Coast Realty Nanaimo Real Estate Resources Nanaimo Home Rentals Vancouver Island Real Estate Board Nanaimo Luxury Homes New Developments Nanaimo Condos and Lofts Nanaimo Accommodations Nanaimo Restaurants Nanaimo Theaters Nanaimo Parks Nanaimo Hikes Things to do in Nanaimo Nanaimo Newspapers Nanaimo Golf Courses Nanaimo Landscaping Nanaimo Automotive Nanaimo Computer Services Nanaimo Employment Contact Us Quick Contact Name Email Comment Real Estate Web Design 2005 Nanaimo Information. Nanaimo Information Forum - Nanaimo Sitemap

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Search Denver MLS real estate; Colorado relocation information Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Denver Real Estate Listings Never miss out on a new property again! Your criteria needs to be input to the following forms. Once completed the entire data base of the Denver Metro List will be searched. You will NOT receive an immediate response. The data is sent to a third party company, hired by me; you will receive and e-mail with the matches that fit your criteria. Hints for submitting; Try not to be VERY specific when inputting lot size, age, square footage. If you have any questions at all, e-mail me for assistance. In a short time I can help you, saving you time and trouble! Be precise with your e-mail address Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

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Amazon.com: Home for the Holidays: DVD: Holly Hunter,Robert Downey Jr.,Anne Bancroft,Charles Durning,Dylan McDermott,Geraldine Chaplin,Steve Guttenberg,Cynthia Stevenson,Claire Danes,Emily Ann Lloyd,Zack Duhame,Austin Pendleton,David Strathairn,Amy Yasbeck,James Lecesne,Angela Paton,Randy Stone,Sam Slovick,Susan Lyall,Shawn Hatosy,Jodie Foster Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Thanksgiving Movies & Spec... : A list by Jakki Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 59 used & new from $8.78 Available for in-store pickup now from: $14.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Home for the Holidays (1995) Starring: Holly Hunter , Robert Downey Jr. Director: Jodie Foster Rating: See larger image Share your own customer images List Price: $14.94 Price: $9.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.95 (33%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 59 used & new available from $8.78 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape Home for the Holidays $19.98 26 used & new from $3.00 VHS Tape Home for the Holidays $9.94 10 used & new from $3.97 Other Versions (Audio CD) Audio CD Home for the Holidays $11.98 15 used & new from $5.95 Better Together Buy this DVD with The Ref DVD ~ Denis Leary today! Total List Price: $24.93 Buy Together Today: $16.98 Customers who bought this DVD also bought The Ref DVD ~ Denis Leary Mixed Nuts DVD ~ Steve Martin National Lampoon's Christmas Vacation (Special Edition) DVD ~ Chevy Chase Once Around DVD ~ Richard Dreyfuss Explore Similar Items : in DVD , in Music , and in Video Storyline Genres: Comedy , Drama , Romance Tagline: On the fourth Thursday in November, 84 million American families will gather together... And wonder why. Plot Synopsis: After losing her job, making out with her soon to be ex-boss, and finding out that her daughter plans to spend Thanksgiving with her boyfriend, Claudia Larson has to face spending the holiday with her family. She wonders if she can survive their crazy antics. Plot Keywords: Dysfunctional Family | Dysfunctional | Christmas | Family | Homosexual | Thanksgiving | Acceptance | Argument | Holiday | Farting Scene | Gay Interest | Mother Daughter Relationship | (Show all 15 plot keywords recommended by customers) Product Details Actors: Holly Hunter , Robert Downey Jr. , Anne Bancroft , Charles Durning , Dylan McDermott , See more Directors: Jodie Foster Format: Closed-captioned, Color, Subtitled, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.85:1 Number of discs: 1 Rated: Studio: MGM (Video & DVD) DVD Release Date: September 4, 2001 Run Time: 103 minutes Average Customer Review: Based on 85 Reviews DVD Features: Available Subtitles: Spanish, French Available Audio Tracks: English (Dolby Digital 5.1), French (Dolby Digital 2.0 Stereo), Spanish (Dolby Digital 2.0 Stereo) Audio commentary From IMDb: Quotes & Trivia ASIN: B00005LOKR Amazon.com Sales Rank: #1,183 in DVD Theatrical Release Information US Theatrical Release Date: November 3, 1995 MPAA: for thematic material, language and brief drug use. Production Company: Egg Pictures, Paramount Pictures, PolyGram Filmed Entertainment USA Box Office: $18 Million Filming Locations: Baltimore, Maryland, USA| Los Angeles, California, USA Editorial Reviews Amazon.com Holly Hunter plays a Chicago-based single mom who--on the day before Thanksgiving--loses her job and is informed by her daughter of the latter's intention to surrender her virginity while on a weekend-long affair. If that's not enough, Hunter's character then has to fly to Baltimore to join her fractious family for another difficult Thanksgiving. Robert Downey Jr. is terrifically charming as her prankish, gay brother, and Anne Bancroft and Charles Durning show plenty of comic resilience during the predictably interesting Thanksgiving dinner scene. The script by W.D. Richter ( Brubaker ) avoids the usual clichés in family dramas--the deepest, darkest secret revealed here involves the painfully sweet revelation of a 40-year-old crush. Jodie Foster, directing her second feature, focuses instead on the inevitable softening of old grudges and disappointments with time. This is a wise as well as wonderfully fun movie. --Tom Keogh Customers who viewed this DVD also viewed Scrooged DVD ~ Bill Murray A Christmas Story (Full Screen Edition) DVD ~ Yano Anaya Living Out Loud DVD ~ Holly Hunter Pieces of April DVD ~ Katie Holmes Explore Similar Items : in DVD , in Music , and in Video Spotlight Reviews Write an online review and share your thoughts with other customers. 22 of 23 people found the following review helpful: Going home again , December 1, 2002 Reviewer: J.A.H. "Poetlinus" (Virginia) - See all my reviews "Home for the Holidays" is a quiet, fun little film that I dust off once or twice a year (usually around Thanksgiving!) and sit back and absolutely enjoy. It's become a comfort film for me, one of honesty, predictability, and enjoyment. It's a wonder more people haven't discovered this mini-classic. Holly Hunter plays Claudia, a forty year old woman forced to endure calamity after calamity on her way to her parent's house for the Thanksgiving holiday. Hunter has her role sewn up from the moment we see her; she encapsulates Claudia and makes her very real as she is conforted with mini-nightmares. These problems plague her, only to define her life as unrealized, possibly misdirected. That Hunter refuses to play her as a sack sad, or someone pitiful, is a testament to her understanding of Claudia. The script avoids usual the "family cliches" by showing us a dysfunctional family that functions quite well. Gay brother Tommy, so perfectly mastered by Robert Downey Jr., always the family clown, removes his "make-up" and shows incredible sensitivity when he rescues his sister from her holiday horror. Dylan McDermott charms his way quietly as Leo Fish, and you believe his sincerity towards Claudia. Cynthnia Stevenson and Steve Guttenberg rock as the high strung power couple so insistent on perfection in their imperfect lives. And the wonderful Charles Durning and Anne Bancroft as the parents, so beleaguered, so joyful, so real. While the performances shine, the script shines even brighter, offering little solutions with much insight. You understand Claudia's trauams, but know that none of them are resolvable within a two hour film, and that's ok. Even the ending, which suggests that even daring to dream is enough, is absolutely perfect for this film. A less experienced screenwriter would have fallen into the cliche trap and wrapped everything up in a neat bow, which this film suggests, is simply not possible. "Home for the Holidays" is a signature piece by Jodie Foster, one that people who enjoy a truly good film won't be there to pass up. I hope Foster follows up by directing more classics such as this; American cinema would be better for it. Was this review helpful to you? ( Report this ) 10 of 11 people found the following review helpful: Home Anyone...........??? , December 8, 2004 Reviewer: V. Marshall (North Fork, CA USA) - See all my reviews Ahhh the holidays....that wonderful time of thankfulness, love and laughter, NOT!!! This movie will have you in stitches each and every holiday season if you suffer from that ever present disease of dysfunctional family syndrome. Claudia Larson (Holly Hunter) is wallowing in self-pity for good reason, she was fired from her job, her daughter is about to have sex for the first time and she is traveling back home for the holidays. What more could a girl ask for, a cold? She arrives to a snowy existence and a family of little understanding. Her father Henry (Charles Durning) and her mother Adele (Anne Bancroft) are seemingly oblivious to all of the turmoil they have created and that now resides within their children. Soon the house is filled with love and lots of arguments! Gay brother Tommy Larson (Robert Downey Jr.) appears to torture the entire clan with mischief and in tow he has a co-worker/friend, Leo Fish (Dylan McDermott). And of course what family would be complete without the crazy aunt (Geraldine Chaplin) and a branch of perfection that breaks off and becomes the norm, sister Joanne (Cynthia Stevenson) and her [...] husband Walter (Steve Guttenberg). So sit back and have a toast with a perfectly normal American family for the holidays but get ready to laugh uncontrollably too! Jodie Foster directed this film about the typical dysfunctional family during the holiday season and she brings both a sensitive understanding and a full blown sense of humor to this holiday table. Holly Hunter is really wonderful as the hopeful but often misunderstood sister in a clan of crazies. Despite his drug induced performance, Robert Downey Jr. is perfectly cast as the troubled brother with secrets to protect from a family that can't accept modern life. Dylan McDermott is the pretty boy of the film but offers much more than a cute mug in his role as the charming outsider. Charles Durning and Anne Bancroft are brilliant as clueless parents who are stuck in the roles they took upon themselves many years ago; both are unknowingly hilarious just like most parents who prefer to keep their eyes closed. Cynthia Stevenson is great as the perfectionist sister that seems to lurk about in every family and marries a nerd so that she can pretend to be happy. But the true scene stealer of this film has to be Geraldine Chaplin as crazy but oblivious Aunt Gladys, you cannot watch her performance and not fall on the floor in hysterics! Overall this is the perfect holiday movie to bring good cheer where little may truly exist.....after all if you can't laugh at yourself what is the point in holiday reunions, isn't that what brings us back home year after year? Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. Home for Thanksgiving , December 20, 2005 Reviewer: Kim Possible Finicatata "Jen" (Grand Blanc,MI) - See all my reviews I also saw this in one of my classes in college.I think it was the 2nd movie we've seen. The 1st was nobody's fool.this was the 2nd. It's about a woman,who gets fired on Thanksgiving Eve,and goes home to her family on Thanksgiving. Was this review helpful to you? ( Report this ) 1 of 3 people found the following review helpful: what's the story? There is no story , November 23, 2005 Reviewer: Rottenberg's rotten book review (nyc) - See all my reviews "Home for the Holidays" is meant to be a post-modern response to years on crudely bogus holiday specials that nobody takes seriously. Somebody must have thought it was high time for a story that actually depicts the mean spiritedness that comes out whenever family gets together, and it's too cold outside to escape. Unfortunately, it's a weird dish of a story that tosses everything at you, but never comes together. Holly Hunter is Claudia, a single mom dragooned by fate to face the weekend with her parents. Forced to sexually service her boss on pain of getting fired, Claudia winds up unemployed nonetheless. Her parents are a compulsively edged-out Anne Bancroft and a terminally mellow Charles Durning - a former airline worker who watches old movies in the basement and keeps a sweet song handy in his head for when scenes get too involved. But Claudia's sibs aren't any help either - with Robert Downey Jr. as Claudia's gay brother and the cute Cynthia Stephenson playing against type as Joanne, Claudia's sister, a button-down, bad-tempered type at odds with her brother's lifestyle. The story traps them all within Durning's house - 5 characters in search of a story. Part of the problem is that the tone is so uneven, you're never sure what kind of story "Home" is meant to be - it could be a bittersweet comedy, but it's never all that funny, and the characters never suggest sufficient depth needed for a decent drama. Some parts are just too cute to be belived - including Dylan Mcdermott as a straight friend of Downey's character who will be drawn to Claudia; Geraldine Chaplin as Claudia's batty aunt Gladys; also David Straithairn as Russ, a boiler repairman having a horrible year. According to IMDB.com legend, Robert Downey Jr. went through the flick hopelessly stoned and, unable to keep him clean & sober, director Jodie Foster just ratcheted up the film's speed to match its star. Claudia's parents are very conventional, but not so much as to be intolerant of their madcap son - if you were gay, you could do worse than Charles Durning's character as your father. On the contrary, it's Joanne with her straitlaced ways that suffers being on the outs with her family and the story, suffering just about every indignity the weekend can throw at her and her dim-witted husband (Steve Guttenberg). What really kills the story is its focus on Claudia who, unemployment aside, is so otherwise normal, it's difficult to understand what she's doing there - she plays little if any part in the weird stuff that goes on that weekend, she's the main character in a story that doesn't much involve her. That said, I'm not going to outright slam the story - it's a holiday story that's watchable as long as you don't think about too much. I first caught this flick on TV around Thanksgiving about 8 years back when I lost my job, so it's a bit of a sentimental fave, and sentimentality means seldom having to ask yourself what you're watching. Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: "What's the point?" "There is no point..." , November 22, 2005 Reviewer: A viewer (NJ) - See all my reviews Ten years after I first saw it in the theatre, I'm about to pull out my DVD for my annual screenings (almost on a continuous loop) beginning a few days before and ending a few days after Thanksgiving. Who needs the Thanksgiving Day Parade when you can watch Home for the Holidays? This is one of my holiday favorites and a staple every year at Thanksgiving. The script is unique, the performances spot-on, and the soundtrack is classic (from Nat King Cole and Tom Jones to Rusted Root's impeccable cover of Evil Ways). The actors deliver spectacular individual performances, all of which are praiseworthy--- my favorite may be Robert Downey Jr's outstanding portrayal of brother Tommy, which may be my favorite role of his in any movie, Chaplin notwithstanding--- right down to the smallest roles of the beleaguered co-passengers in the airport. This movie, above all, makes me feel that our modern American family, however wacky they may be, however much our parents make us nuts, is really just that--- the modern American family. And it's okay to be wacky, because family (however it's defined) is just that. And we love them and they love us. The movie makes a point of asking "What's the point?" several times, only to be told there is none. But the point is that we keep our sense of humor, we love our family, and we accept that we'll probably never understand them-- or they us. Just have fun, have some turkey, and have some love. I love this movie. It makes a great pairing with Love Actually as Thanksgiving ends and Christmas begins, if you want to keep smiling and feel the holiday love. Happy holidays! Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Enjoying the Humor of family and holidays! , October 17, 2005 Reviewer: M. Alley (Arkansas) - See all my reviews This movie is a must for those that dread the family gatherings. It touches on so many aspects of life it is amazing the movie is not 6 hours long. I recommend this for viewing all year long. Was this review helpful to you? ( Report this ) See all 85 customer reviews... Listmania! Treasured Dysfunctional Thanks... : by Invisible Lizard "ardent reade... Thanksgiving movies : by mijacogeo22 "mijacogeo22" Thanksgiving Movies & Spec... : by Jakki So You'd Like to... Enjoy Reality-based, twisted, dark Holiday Movies : by MontezumesRevenge , Victim of the perfect fantasy media family, sooo ... "See The Films Contributing To My State Of Sloth : Pt 8" : by youngrhi , "Room Filler" Know the Queens of Comedy! : by reelgood , movie critic Fun Facts from IMDb.com: Nominations Click here to see more Nominations GLAAD Media Awards: GLAAD Media Award for Outstanding Film Young Artist Awards: Young Artist Award for Best Young Leading Actress - Feature Film Trivia Click here to see more Trivia Robert Downey Jr. publicly admitted to using drugs during the making of this film, and to having great difficulty filming his scenes. Jodie Foster tried to intervene but could not. Goofs Click here to see more Goofs The whipped cream on Claudia's father's pie. Movie Connections Click here to see more Movie Connections References: Shaft | Silkwood | Jurassic Park Features: Wheel of Fortune Quotes Click here to see more Quotes Joanne : You're calling me a freak? Tommy : No, I'm calling you a product of baboon lovin'. There's a distinction. Tommy : Well, that was absurd, let's eat dead bird! For more information about "Home for the Holidays" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Bancroft, Anne DVD > Actors & Actresses > ( C ) > Chaplin, Geraldine DVD > Actors & Actresses > ( D ) > Danes, Claire DVD > Actors & Actresses > ( D ) > Downey Jr., Robert DVD > Actors & Actresses > ( D ) > Durning, Charles DVD > Actors & Actresses > ( G ) > Guttenberg, Steve DVD > Actors & Actresses > ( H ) > Hunter, Holly DVD > Actors & Actresses > ( M ) > McDermott, Dylan DVD > Actors & Actresses > ( P ) > Paton, Angela DVD > Actors & Actresses > ( P ) > Pendleton, Austin DVD > Actors & Actresses > ( S ) > Stevenson, Cynthia DVD > Actors & Actresses > ( S ) > Strathairn, David DVD > Actors & Actresses > ( Y ) > Yasbeck, Amy DVD > Directors > ( F ) DVD > Genres > Comedy > By Theme > Family Gatherings DVD > Genres > Comedy > General DVD > Genres > Kids & Family > Holidays & Festivals > Christmas Suggestion Box Your comments can help make our site better for everyone. 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[ Back To Top ] PowerHouse Loan The PowerHouse Loan is based on your creditworthiness not the equity in your home. Therefore, you can access the funds youneed even if you only recently purchased your home. Low, fixed rates Interest Potentially Tax Deductible * No appraisal required Borrow $5,000 to $15,000 5- to 7-year terms In most circumstances, funds can be available in as little as 10 days No pre-payment penalty Available on owner occupied properties only Apply online! Special Note: Even if you currently have a Home Equity Credit Line or Second Trust Deed with USE, you may still qualify for aPowerHouse Loan. However, if your equity credit line or second trust deed is held by another financial institution, we cannot arrangea PowerHouse Loan unless we pay off the existing loan. Owner-occupied residences only. [ Back To Top ] All loans are subject to approval. Home Equity and PowerHouse Loans are not available when your first mortgage has a balloon payment. California properties only. A fee will be charged for reconveyance when your loan is paid in full.*Please consult with your tax advisor for IRS guidelines on the deductibility of interest payments. Home Equity Line of Credit (HELOC) Platinum Visa * Annual Percentage Rate 6.50 % Variable Rate Information Annual Percentage Rate varies quarterly based on the Wall Street Journal Prime Rate plus a margin. Variable Rate not to exceed 11.99% or be less than 1.00%. Grace period for the repayment of the balance of purchases On new purchases paid in full by payment due date as set forth on your periodic statement. Method of computing the balance for purchases Average Daily Balance Method(including current transactions) Annual Fee $35.00. Waived for the first year; waived if balance is $10,000 or greater. Cash Advance Fee None Late Payment Charge $10.00 if your minimum monthly payment is more than 10 days late Overlimit Fee $10.00 for each billing cycle we receive a purchase or advance which causes you to be over the limit. Effective Date December 1, 2005 * Index of 7.00% - 0.50% = 6.50%. Index of 7.00% + 1.50% = 8.50%, effectiveDecember 1, 2005.Rates and Terms subject to change at any time. USE is an Equal Housing Lender [ Back To Top ]