Home Mortgage

NYS Banking Department-Residential Home Mortgage Rates from HSH Associates Interest Rate Information Mortgage Rates The information contained in this section provides a sample of the mortgage rates by region across the state. The entities listed for each region are representative of the mortgage lenders in the region. This is by no means an exhaustive list, nor is it meant to be. The rates listed may not be the most competitive you can find and are meant only to convey a range. The Banking Department recommends that consumers shop around to find the rates and terms that fit their needs by contacting a variety of mortgage lenders including commercial banks , savings banks and mortgage bankers . The Banking Department warns home buyers and owners to carefully review the terms of any loan and to consult a lawyer before signing any documents. For more information and tips on mortgages, read Shopping for a Mortgage: What you need to know in the consumer section of this Website. Capital Region Warren, Washington, Saratoga, Schenectady, Albany,Rensselaer, Greene and Columbia counties Central New York Cayuga, Oswego, Onondaga, Cortland and Madison counties Finger Lakes Region Orleans, Monroe, Wayne, Genessee, Wyoming, Livingston, Ontario, Seneca and Yates counties Long Island Nassau and Suffolk counties Mid-Hudson Sullivan, Ulster, Dutchess, Orange, Putnam,Westchester and Rockland counties Mohawk Valley Oneida, Herkimer, Hamilton, Fulton, Montgomery and Schoharie counties New York City Kings, Queens, Brooklyn, Bronx and Richmond counties NYC Co-operative Apartment Loans Five Boroughs plus North Country Jefferson, Lewis, St. Lawrence, Franklin, Clinton and Essex counties Southern New York Steuben, Schulyer, Chemung, Tompkins, Tioga, Broome,Ostego, Delaware and Chenango counties Western New York Niagara, Erie, Chautaqua, Cattaraugus and Allegheny counties First and Junior Lien Mortgage Loans- Calculate Your Payments Interest Rates in Text (for Downloading) Note: The Banking Department provides external links as a public service. The inclusion of, or linking to, other Web site URLs does not imply our endorsement of, nor responsibility for, those Web sites, but has been done as a convenience to our Web site visitors. Mortgage Rates provided by HSH Associates, Financial Publishers, Pompton Plains, NJ 800-873-2837 | Home | Search | SiteMap | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified October 17, 2005 FastCounter by bCentral

NEW HOMES BUSINESS IMPROVEMENT

News Room : ENERGY STAR What is ENERGY STAR? | Newsroom Search History Partners News Archive Awards Media Resources PRODUCTS HOME IMPROVEMENT NEW HOMES BUSINESS IMPROVEMENT PARTNER RESOURCES -- Home > News Room -- -- News Room ENERGY STAR in the News What's New: Program Highlights Half of the States Join ENERGY STAR Challenge (December 2005) Half of the states across the nation are joining with the EPA to address critical energy issues in our communities in conjunction with EPA's ENERGY STAR Challenge. Through the ENERGY STAR Challenge, state governments will offer a variety of programs to help building owners assess how much energy their buildings use now, establish efficiency improvement goals of 10 percent or greater portfolio-wide, and make efficiency improvements wherever cost effective. EPA Press Release List of Participating States (87KB) More Information Businesses: Save on Energy Bills this Winter (November 2005) American businesses are experiencing higher than ever energy prices, which are expected to continue this winter. EPA has advice almost any business can take to save 10% or more on their energy bills this winter. The advice shares lessons learned from EPA's ENERGY STAR partners who have saved through simple steps and adopted longer term energy management strategies with even greater savings. If every business in the US saved 10% on their energy bills, Americans would save about $10 billion and reduce greenhouse gas emissions equivalent to those from 15 million vehicles. EPA Press Release Advice for Saving Energy EPA Recognizes 18 Leading Organizations for Efforts to Cut Energy Bills (October 2005) On October 26, EPA Administrator Stephen Johnson recognized 18 organizations as ENERGY STAR Leaders for achieving significant energy savings and leading their industries in responding to EPA's ENERGY STAR Building Challenge. The ENERGY STAR Commercial Building Challenge, launched in Spring 2005, encourages building owners and managers to make their buildings at least 10% more efficient. EPA Press Release Fact Sheet (66KB) Leader Profiles (36KB) More Information on the ENERGY STAR Challenge Save Energy this Winter with help from ENERGY STAR (October 2005) In the face of higher energy bills this winter, the EPA encourages everyone to take action in their home to be more energy efficient. The average American household spends $1,500 annually on energy bills — a number that may go up as much as 50 percent this year. EPA offers five places to look and practical advice for home energy savings. EPA Press Release Home Energy Quiz (240KB) More Information K-12 Schools take the ENERGY STAR Challenge (October 2005) Ten leading associations representing state school boards, superintendents, principals, facility planners, parents, and teachers are joining with the EPA to address critical energy issues in our nation's K-12 schools. Currently, the nation's more than 17,000 K-12 schools spend $5 billion on energy bills each year. However, school districts can save up to 30 percent on their energy bills through cost-effective energy efficiency improvements. Through the ENERGY STAR Challenge, school decision-makers assess how much energy school districts use now, establish efficiency improvement goals of 10 percent or greater district-wide, and make efficiency improvements wherever cost effective. EPA Press Release Fact Sheet (82KB) Participants List (62KB) More Information EPA and DOE Announce ENERGY STAR Change a Light Day (October 2005) EPA and DOE, together with more than half of US Governors, declared October 5th ENERGY STAR Change a Light Day, and encouraged every American to change a light in their home to one that is more energy efficient. Lighting accounts for 20 percent of a home's electricity costs. ENERGY STAR qualified bulbs reduce household energy bills because they use one-third the energy of traditional lighting and last up to 10 times longer. This small step can make a big difference for our nation's energy resources and environment. EPA Press Release Campaign Fast Facts (98KB) Governors Declaring ENERGY STAR Change a Light Day (307KB) 250+ Participating Organizations (628KB) Take the Pledge EPA Raises the Bar for New Homes to Earn ENERGY STAR Label (September 2005) Builders of new homes in the United States will have to significantly increase the energy efficiency of their homes to meet the new ENERGY STAR requirements which take effect July 1, 2006. To qualify under the revised ENERGY STAR specifications, new homes must have higher levels of insulation inspected for proper installation; complete framing and air barrier assemblies that enable insulation to perform at its full rated value; windows that meet or exceed ENERGY STAR requirements; high-efficiency and properly sized heating and cooling equipment appropriate to the climate; and more energy-efficient water heating, lighting and appliances. EPA Press Release More information ENERGY STAR Annual Report Released (September 2005) EPA recently released its annual report summarizing the success of ENERGY STAR and other voluntary climate protection programs. The report summarizes the accomplishments of these programs for 2004. For example, Americans, with the help of the ENERGY STAR, avoided greenhouse gas emissions equivalent to those from 20 million automobiles – up from 18 million in 2003 – while saving $10 billion on their energy bills. EPA Press Release 2004 Annual Report (1.27MB) New Partnerships for Home Energy Efficiency Announced (July 2005) On July 11 the EPA, DOE and HUD announced a new multi-agency effort, the Partnerships for Home Energy Efficiency, to bring greater energy efficiency to the U.S. housing market to save 10 percent or more on home energy bills over the next decade. A 10 percent savings would total almost $20 billion a year, help increase the affordability and comfort of homes, reduce demand for natural gas by more than 1 quad, avoid the need for 40 power plants and avoid the greenhouse gas emissions equivalent to those from more than 25 million vehicles. Home Performance with ENERGY STAR plays a large role in delivering these savings to consumers. EPA/HUD/DOE Press Release Report: Partnerships for Home Energy Efficiency (3.00MB) Overview Fact Sheet: Partnerships for Home Energy Efficiency (247KB) Home Performance with ENERGY STAR (141KB) ENERGY STAR Products for American Homes (186KB) Quality Installation for Air Conditioning Equipment (109KB) Case Studies: Home Performance with ENERGY STAR Aurora, CO (137KB) Austin, TX (131KB) Fresno, CA (214KB) Ithaca, NY (216KB) Manlius, NY (88KB) St. Louis, MO (146KB) Suwanee, GA (108KB) EPA Announces Energy Performance Indicator for Auto Assembly Plants (June 2005) The energy efficiency of automobile assembly plants can now be rated on a national basis. EPA has recently made available a tool to help the automobile industry evaluate the energy performance of its assembly plants. This tool, the first of its kind for a manufacturing facility, compares the energy efficiency of any assembly plant producing passenger cars, light duty trucks, sport utility vehicles, and vans in the U.S. to that of the entire industry. EPA Press Release Auto Assembly Plant Energy Performance Indicator EPA Offers Smart Ways to Stay Cool this Summer (June 2005) Energy use escalates when hot summer days set in across the nation. EPA's ENERGY STAR program is offering advice this summer on how to save money, remain cool and comfortable and help reduce the risks of global warming – all at the same time. Advice includes keeping your air conditioner maintained, using a programmable thermostat, sealing up gaps and cracks in the home envelope, and replacing old equipment with products that have earned the government's ENERGY STAR for energy efficiency. EPA Press Release EPA's Guide to Energy Efficient Heating and Cooling (663KB) Cool Your World Fast Facts (English) (150KB) Cool Your World Simple Steps (English) (44KB) Cool Your World Fast Facts (Spanish) (68KB) Cool Your World Simple Steps (Spanish) (49KB) New Water and Wastewater Industry Focus Announced (May 2005) EPA is launching a new initiative to increase the energy efficiency of U.S. drinking water and wastewater systems, with participation from more than 20 leading organizations. The new ENERGY STAR Water and Wastewater Industry Focus will work over the next year to develop an energy performance rating system, a guide to assessing energy efficiency opportunities, strategies for superior energy management, and innovative approaches to financing energy efficiency projects for each of the two industries. This new ENERGY STAR focus is part of a series of efforts to improve the energy efficiency of selected industries. EPA Press Release Fact Sheet (55KB) EPA announces ENERGY STAR Building Challenge (March 2005) EPA joined with more than 20 leading associations, States, and businesses to announce a national challenge for the owners of commercial and institutional buildings across the country. The ENERGY STAR Challenge encourages building owners to improve the efficiency of their buildings by 10 percent or more and to capitalize on the environmental benefits and cost savings that will result. EPA Press Release List of organizations partnering with EPA More information 2005 ENERGY STAR Awards (March 2005) EPA and DOE are recognizing 50 organizations as winners of the 2005 ENERGY STAR Partner of the Year Awards. These organizations have made outstanding contributions to reducing greenhouse gas emissions through energy efficiency. EPA and DOE sponsor these awards annually to recognize energy efficiency investments made by ENERGY STAR partners that saved consumers money while helping the environment. The Partners of the Year are selected from the over 7,000 ENERGY STAR partners based on their efforts to utilize energy-efficient technologies, communicate the benefits of energy savings to consumers and businesses, and encourage others to partner with ENERGY STAR. This year's award winners include Lowes Companies Inc., Food Lion, Pardee Homes, USAA Real Estate and 3M. EPA Press Release List of 50 award winners (15KB) More on Awards EPA's Public Service Announcement (PSA): 2005 ENERGY STAR Awards (2.84MB) International Power Supply Design Competition Winners Announced at Applied Power Electronics Conference and Exposition (APEC), Austin, TX, March 6-10, 2005 (March 2005) On March 7, 2005 at APEC's plenary session, the U.S. Environmental Protection Agency (EPA) and the California Energy Commission announced the winners of Efficiency Challenge 2004, an international design competition for power supply efficiency. Twelve winners were selected, including two Grand Champions: Power Integrations in the Market Ready Category and Hong Kong Polytechnic University in the Open Category. All the winning entries are more energy efficient, and in many cases radically smaller than typical power supplies on the market today, demonstrating what is possible in future consumer electronics products. Efficiency Challenge APEC Presentation (62KB) Andrew Fanara, EPA, Andy Williams, ON Semiconductor, and Peter Schwartz, representing the California Energy Commission Andrew Fanara, EPA, Balu Balakrishnan, Power Integrations, and Peter Schwartz, representing the California Energy Commission Andrew Fanara, EPA, Speaking at APEC 2005 Product Picture, Power Integrations, Winner of Best in Class A1, Market Ready Grand Champion EPA Efficiency Challenge Press Release (62KB) Judging Criteria Fact Sheet (55KB) Efficiency Challenge 2004 Judge Bios (33KB) Efficiency Challenge Winner Fact Sheets (162KB) ENERGY STAR Qualified Homes Near 10 Percent of Housing Starts Nationwide (March 2005) Nearly 10 percent of all homes built in 2004 earned the ENERGY STAR label. According to a recently released report, A Decade of Change in Home Building with ENERGY STAR (2.36MB), since 1995 over 360,000 of the Nation's new homes have earned the ENERGY STAR, saving homeowners an estimated $200 million and eliminating approximately 4 billion pounds of greenhouse gas emissions. EPA Press Advisory Report: A Decade of Change in Home Building with ENERGY STAR (2.36MB) More information on ENERGY STAR Qualified New Homes Almost 2,000 Buildings Have Earned EPA's ENERGY STAR (January 2005) As of January 1, 2005, almost 2,000 of the nation's most energy efficient buildings, representing almost 400 million square feet, have earned EPA's ENERGY STAR designation for superior energy performance. The buildings qualifying as ENERGY STAR use about 40 percent less energy than average buildings without compromising comfort or services. Press Release List of buildings (2.14MB) More information ENERGY STAR Awareness Climbs to Over 60 Percent (February 2005) Public awareness of ENERGY STAR has jumped to 64 percent of U.S. households, according to a recent nationwide survey. In many major markets where local utilities and other organizations use ENERGY STAR to promote energy efficiency to their customers, public awareness of ENERGY STAR is even higher, averaging 74 percent. EPA Press Advisory (14KB) Survey Report (1.58MB) Energy-Efficient External Power Adapters Can Now Earn the ENERGY STAR (January 2005) On January 6, 2005 EPA announced that the ENERGY STAR is now available for qualifying external power adapters. Power adapters, also known as external power supplies, are used to power many electronic products such as cell phones, PDAs, digital cameras, camcorders, MP3 players, routers and other electronics and appliances. As many as 1.5 billion power adapters are in use in the U.S. – which is about five for every person. The new guidelines for power adapters will help reduce greenhouse gas emissions; in the U.S., more efficient adapters have the potential to save over 5 billion kilowatt hours (kWh) of energy and prevent the release of more than 4 million tons of greenhouse gas emissions the equivalent to taking 800,000 cars off the road. Press Release More on Power Adapters Photos: CES Show , EPS Booth New ENERGY STAR Monitor Specification (January 2005) Beginning January 2005, computer monitors must meet more energy-efficient requirements to qualify for the ENERGY STAR label. For the first time, the specification addresses energy consumption while monitors are in use, as well as while they are idle. Many models on the market already meet EPA's new specifications. By 2010, EPA estimates that the new requirements will result in carbon emission savings of almost 5 million metric tonnes (carbon equivalent), or the equivalent of taking more than 3 million cars off the road. The previous computer monitor requirements called for only a "sleep mode" energy-saving function. Press Release More Information News Archives Press Contact: Maria T. Vargas, (202) 343-9451 Consumer Contact Information: energystar@optimuscorp.com 1-888-STAR-YES Products | Home Improvement | New Homes | Business Improvement | Partner Resources Newsroom | Privacy | Contact Us | Site Index EPA Home EPA Search DOE Home DOE Search

Buy Home

dabs.com - PC Hardware, Components, Software, Digital Cameras, MP3 players skip to main content wishlist -- help my account lowering technology prices every day! home shop by brand components & storage computers electronics networking & communication peripherals software & books gaming mobile phone gadgets quicklinx search Entire Site Within Results buy now pay September 2006 dabs rewards buying for business Browse Category Components & Storage Cases & Cooling Graphics, Multimedia & I/O Memory Motherboards & Processors Storage Computers Desktops & Servers Notebooks & PDAs Electronics Cameras & Camcorders Games Consoles & Gadgets GPS Speed & Navigation Devices Home Audio/Video In Car Portable Audio/Video Telephones Networking & Communication Network Devices Power Protection Racks & Cabling Infrastructure Peripherals Cables & Sharing Displays & Projectors Input Devices Office Products Printers & Scanners Speakers, Headsets & Microphones Warranty Packs & Services Software & Books Books Software gaming mobile phone spares gadgets My Basket Add an item by clicking the buy button Top 5 MSI Star Cam 370i - Red £15.99 inc vat Epson Perfection 2480 Photo £59.99 inc vat NEC DVD+-R/RW 16x Dual Layer Silver - Drive Only £30.25 inc vat DabsValue Plastic Case for DVD-1 Disk 100Pk £8.98 inc vat Maxtor DiamondMax Plus9 80GB UDMA133 £34.00 inc vat Creative Zen Micro 4GB - Black 458 in stock now quicklinx: 3HLX WS mfr#: 70PF108000008 Bargain Mp3 with built in FM £119.99 inc vat quantity to buy Creative Zen Touch - 40Gb 69 in stock now quicklinx: 3NFC WS mfr#: 70PF131000000 Limited Offer - Whilst Stock Last £169.99 inc vat quantity to buy Fujitsu Siemens Amilo L1310G CeleronM380 512MB 80GB XPHome 409 in stock now quicklinx: 3WHT WS mfr#: BATUKN5XM05L13 Widescreen and DVD Writer for a great low price! £587.48 inc vat quantity to buy Philips DECT2211S Dect Phone 46 in stock now quicklinx: 3VFL WS mfr#: DECT2211S Reduced Was £24.99 £19.99 inc vat quantity to buy DabsValue 256MB USB 2.0 Drive Aluminium 3519 in stock now quicklinx: 319M WS mfr#: ED717T8 £11.98 inc vat quantity to buy DabsValue 32" SAMSUNG panel Widescreen LCD TV - HDTV compliant 125 in stock now quicklinx: 3TLG WS mfr#: LCD-TV 32 £689.99 inc vat quantity to buy NetGear DG834G Wireless ADSL Modem/Router with USB Adapter 177 in stock now quicklinx: 38N8 WS mfr#: DG834G/WG111 Free USB Adaptor £77.43 inc vat quantity to buy HP nx6110 P-M 740 256MB 40GB DVD/CDRW 15"TFT XP Pro 196 in stock now quicklinx: 3V9C WS mfr#: TOPCONFIG New Low Price £563.98 inc vat quantity to buy DabsValue 802.11g 54Mbps PCI card OEM 1023 in stock now quicklinx: 3X0M WS mfr#: 6834 £10.98 inc vat quantity to buy ATI X800GT All in Wonder 128MB PCI-E Digital Tuner 10 in stock now quicklinx: 3WZ9 WS mfr#: 100-714312 £150.76 inc vat quantity to buy Fujitsu Siemens Amilo A 1655G AMD Turion64 512MB 80GB DVDRW-Dual Layer XP Home&works 16 in stock now quicklinx: 3V3L WS mfr#: LKNGBR178301001 AMD Turion Technology! £689.99 inc vat quantity to buy APC Smart UPS 1500VA Black 52 in stock now quicklinx: 12LG WS mfr#: SUA1500I £319.98 inc vat quantity to buy Crucial 512MB 168Pin DIMM PC133 SDRAM Non-Parity CL3 19 in stock now quicklinx: 13Y4 WS mfr#: CT64M64S4D75 Click here to launch the Crucial Memory Selector Tool £65.48 inc vat quantity to buy UK site FR site | Delivery Charges | Business Terms | Privacy Policy | News | Learn More | Feedback | Accessibility | About Us | Site Map

Sell House

DIY House selling by channel4.com/4money E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home On TV Compare & Buy Mortgages & Homebuying Smart Money Banking & Saving Borrowing & Spending Insurance Tax & Pensions Funny Money Forum Latest features Mortgages and homebuying features Special features Guide to renting & letting Homebuying guides Property buying Property selling Remortgage How much can I borrow Conveyancing What mortgage type Flexible mortgage Choose an interest rate type Decide a repayment method Cut your bills Gas & electricity Home phone Digital TV Mobile phone Broadband Top tools Mortgage calculator Overpayment calculator Stamp duty calculator Payments calculator Money jargon A-Z Compare and Buy 400 Loans 300 Credit Cards 7000 Mortgages 1000 Saving Accounts 300 Current Accounts Subject to Moneysupermarket .com Terms Money Books Latest personal finance books Share money tips Share your money tips DIY house selling next How to be your own estate agent Selling your home through an estate agent can be an expensive and time-consuming business. We look at the alternatives. By Sarah Jagger How to sell your home alone For most people in the UK, selling your home means using an estate agent. An agent will advertise your property and introduce potential buyers but charge you 2% of the sale price as commission, plus VAT at 17.5%. Or if you use more than one agent, you will be charged up to 3.5% commission plus VAT by whichever agent introduces the buyer. So on a sale price of £100,000, this would mean estate agents’ commission of more than £3,500 before you take into account solicitors fees and removal charges. You could, of course, simply add that cost into your asking price – but in a slow market that could mean you have a long wait for a buyer, or price yourself out of the market altogether. There are some alternatives though, and one in twenty vendors are now taking the DIY route which could speed up the process and save you on average £4,500 which means you can afford to get the decorators in at your new home. next About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

New Home Construction Boston.com

Buying Guides - Real Estate Guides - Massachusetts Home Builder - New Home Construction - Boston.com Buying Renting Recent Sales Place an ad Luxury Living Community data Mortgage Commercial Moving Guides Buying Guides - Real Estate Guides - Massachusetts Home Builder - New Home Construction Boston.com Check out the Buying Guides - Real Estate Guides - Massachusetts Home Builder - New Home Construction Section on Boston.com. December 29, 2005 -- Search homes for sale Luxury living Classic starter home styles Real Estate section Saying yes to housing A new law is aimed at doing something about the number one competitive issue facing Massachusetts -- the high cost of housing. (Boston Globe, 11/23/05) Open house etiquette Remember, open houses are not held for your entertainment. They are business events for buyers. Hunting and gathering: Open houses 10 tips for... Selling on your own Hiring a broker Moving guide Follow this step-by-step guide to walk you through everything from changing your address to printing box labels to tips on packing. (Boston.com) Step-by-step moving guide How to pack like a professional Print box labels Self storage how-to What are your moving tips? Your complete buying guide If you are new to the real estate game or are just looking for a few tips, this in-depth guide covers everything from making a budget to the closing process. (Mass Housing) What can I afford? How to find an affordable home Home buyer counseling Making an offer Applying for a mortgage The home inspection The closing process It doesn't hurt to ask for extras Welcome to the world of the extra, that twilight zone of property negotiation that goes beyond the selling price and everything that’s not nailed down. (Boston Globe) Ten things you must do when buying a home Need a mortgage? Try family, friends The basics of Condos and Co-ops The single-family detached home with a yard isn't everyone's American Dream. In high-priced markets with space at a premium, the only affordable solutions for some buyers are condominiums, townhouses or co-op apartments. (Inman News) Tips on negotiating to buy a home Latest articles: Real estate transactions ( Boston Globe, 12/29/05 ) A term every home buyer, real estate agent, homeowner should know (Inman, 6:06 a.m.) Dry rot leaves home buyer in the gutter (Inman, 6:06 a.m.) Home sellers beware: Undisclosed info comes back to bite (Inman, 6:06 a.m.) In bankruptcy sale, must co-owner pay 50 percent of expenses? (Inman, 6:06 a.m.) ENeighborhoods exec. has roots in real estate technology (Inman, 12/28/05) Visions of gold entice a tin city (Boston Globe, 12/28/05) Government requirements for disclosure fail to make the grade (Inman, 6:06 a.m.) Electrical panel requires upgrading (Inman, 6:06 a.m.) Should landlords rent to section 8 subsidized tenants? (Inman, 6:06 a.m.) 'House Poor' a profitable read for home buyers (Inman, 6:06 a.m.) Inside capital gains tax law for real estate (Inman, 6:06 a.m.) Ensuring home's proper ventilation (Inman, 6:06 a.m.) America closes doors to architectural expression (Inman, 6:06 a.m.) 5 negotiation tactics for real estate deals (Inman, 6:06 a.m.) HOME OF THE WEEK: Old styles inside, bustling outside (Boston Globe, 12/25/05) ON LOCATION: Historic cottage escaped demolition, now it's a gem for sale (Boston Globe, 12/25/05) BUSINESS LETTERS: Home prices are falling, but why? (Boston Globe, 12/25/05) Brockton builds on factory legacy (Boston Globe, 12/25/05) COMMUNITY SNAPSHOT: Holbrook (Boston Globe, 12/25/05) feedback form | help | site index | globe archives | rss © 20 The New York Times Company