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TPWD:About Texas Land Trusts Maincontent Local Navigation print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home Land & Water Land Private Tltc Texas Land Trusts About Texas Land Trusts Starting a Land Trust Texas Land Trust Directory Foreword Listing Regional Index About the Texas Land Trust Council ( TLTC ) TLTC Board of Directors and Honorary Council News 2004 TLTC Conference Speech Bulletin Board TLTC Publications Land Trust Resources Texas Land Trusts Top 1-Million Mark in Acres Conserved Texas Land Trusts What is a land trust? A land trust is a local, state or regional nonprofit organization directly involved in protecting land for its natural, recreational, scenic, historical or productive value. How do I find a land trust in my area? There are currently 39 land trusts in Texas. Let the Texas Land Trust Directory be your guide in locating a land trust close to you. How do you start a land trust? Setting up a land trust requires careful research and planning. The Texas Land Trust Council has compiled many of the resources you need to answer your questions and establish a successful land trust. About the Texas Land Trust Council The Texas Land Trust Council is committed to promoting and sustaining the conservation efforts of Texas's land trusts. Learn more about the growing number of Texans protecting our distinct heritage . What's a conservation easement? A conservation easement ( PDF 1.6 MB ) is a restriction landowners voluntarily place on specified uses of their property to protect natural, productive or cultural features. It is recorded as a written legal agreement between the landowner and the "holder" of the easement, which may be either a nonprofit conservation organization or government agency. Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: October 12, 2005, 12:46 pm
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The California Endowment - Home Grant Finder | Contact Us The start of the New Year marks a new beginning for The California Endowment as we move our Woodland Hills administrative office and the Los Angeles Regional Program Office to a new facility in downtown Los Angeles. The new campus will also feature the Center for Healthy Communities , designed to mobilize leaders from the public, private and nonprofit sectors to collaborate in order to improve the health of California's underserved communities. The Center will open to the public on April 6, 2006. Beginning December 22, 2005, our new main mailing address is: 1000 North Alameda Street Los Angeles, CA 90012 Our phone number remains the same: 800.449.4149. Best wishes for the holiday season, and we look forward to welcoming you to our new home. //-- New Annual Report Breaking Ground Now Online The California Endowment's 2004-05 Annual Report, Breaking Ground, reflects a year in which the foundation launched new statewide initiatives while it literally broke ground on construction of a new multipurpose facility – to house administrative offices and its Center for Healthy Communities – in downtown Los Angeles. The report also presents information concerning The Endowment’s governance, grant making and resource management for the past fiscal year in an online format. View 2004-05 annual report View 2004-05 grants list Getting California's Kids Covered There is a growing movement among California counties to get all of the state’s children enrolled in public and private health coverage programs. These Children’s Health Initiatives (CHIs) serve as a single point of entry to enrolling kids in Medi-Cal; the state-run children's health insurance program Healthy Families; and Healthy Kids , a low-cost vision, dental and health insurance product. Healthy Kids covers children who don’t qualify for publicly-funded programs and whose family income does not exceed 300 percent of the Federal Poverty Level (about $56,000 for a family of four). The California Endowment today announced $7.5 million in premium subsidy support for 17 CHIs across the state. This funding will provide health coverage for about 8,000 uninsured California kids. Learn more about The Endowment’s funding to the counties of: Los Angeles, San Bernardino and Riverside Bay Area counties of San Francisco, Alameda, San Mateo, Santa Clara, Napa and Sonoma Central Valley counties of Fresno, Tulare, San Joaquin, Yolo and Solano California’s coastal counties of Santa Barbara, San Luis Obispo and Santa Cruz Learn more about the movement to get all of California’s kids covered. New Report Dignity Denied: The Price of Imprisoning Older Women in California "Dignity Denied: The Price for Imprisoning Older Women in California," a report funded in part by The California Endowment, examines the conditions of confinement for older women imprisoned in California, their health and safety concerns as well as strategies to improve their health and well-being. View press release View report New Grant Application Guide Available The California Endowment is pleased to offer a new Grant Application Guide for prospective applicants. We have made several changes in application procedures to better focus our resources to make lasting improvements in the health of Californians. In conjunction with the launch, The Endowment is also hosting a series of information sessions throughout the state. View Guide Welcome to The Center for Healthy Communities A letter from Board Chair Cynthia Ann Telles, Ph.D., and President and CEO Robert K. Ross, M.D., announces The California Endowment's exciting development in Downtown Los Angeles – a multipurpose facility that will house the foundation's Los Angeles Program Office, administrative offices and the Center for Healthy Communities. Learn More Two reports, funded by The California Endowment, show that increasing health premiums are eroding dependent coverage nationwide. While job-based dependent coverage is falling for all income levels, the sharpest drops are in low and moderate-income families. View the press release Read 'Kids at Risk' Read 'Current Strategies to Expand Dependent Health Coverage' -- Currently, there are 800,000 kids in California without health insurance. Peter Long, a senior program officer for The California Endowment, was a recent guest on KNX 1070's Michael Jackson radio show in Los Angeles and discussed ways to cover all kids in the state. Listen to Part One Listen to Part Two //-- Print this page | Send to a friend | Sign Up for E-mail Updates | Create Your Profile Privacy | Terms of Use | Site Map | Help | Home | About the Foundation | Program Area | Grant Application Guide | Public Policy & Advocacy | | News & Information Bureau | Evaluation | Reference Library | Regional Offices | Careers | If you are having technical difficulties, please contact us at: webmaster@calendow.org .
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Amazon.co.uk: Buying a Property in Spain: An Insider Guide to Finding a Home in the Sun: Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews Search Inside! Table of Contents See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! Buying a Property in Spain: An Insider Guide to Finding a Home in the Sun Harry King Search inside this book List Price: £10.99 Our Price: £7.69 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £3.30 (30%) Availability: usually dispatched within 24 hours. 41 Used & New from £2.95 See larger photo Edition: Paperback More Product Details ~ See Table of Contents Perfect Partner Buy Buying a Property in Spain: An Insider Guide to Finding a... with The Best Places to Buy a Home in Spain today! Total List Price: £22.94 Buy Together Today: £16.05 Customers who bought this item also bought: Buying a Home in Spain 2005 ;Paperback~David Hampshire Going to Live in Spain: A Practical Guide to Enjoying a New Lifestyle in the Sun ;Paperback~Harry King Buying a House in Spain: Where and How to Do It (Buying a House S.) ;Paperback~Dan Boothby Gone to Spain: You Too Can Realise Your Dream of a Better Lifestyle ;Paperback~Tom Provan Living and Working in Spain: How to Prepare for a Successful Visit, Be It Short, Long-term or Forever (Living & Working Abroad) ;Paperback~Robert A.C. Richards Explore similar items ... Product Details: Paperback 256 pages(May 1, 2002) Publisher: How To Books Language: English ISBN: 185703791X Category(ies): Home & Garden , Travel & Holiday Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 96,288 (Publishers and authors: improve your sales ) sign in to turn on 1-Click ordering. 31 New from 2.95 10 used from 3.50 Have one to sell? (We'll set one up for you) View my Wish List . Reviews Synopsis This guide to buying a property in Spain offers first-hand advice on where to stay, dealing with estate agents and builders and the types of properties available. It covers building your own home, renovating a ruin, and renting a cosy cottage. From the Author 'After 38 years of corporate life, work was giving little satisfaction. A change was necessary. I wanted to stop work but knew I couldn't simply retire and live happily in the UK. I still needed a challenge. Finally I decided to move to Spain. Why? Because Spain is relatively close to home, it has an excellent climate and the cost of living is lower than in Northern Europe. During my life I've made some good and bad decisions - but coming to Spain was one of the best I've made. I now live in a town house, on the edge of a Spanish village. The back door opens onto a path leading to the mountains. The front bedroom window overlooks the Med only a few kilometres away. The neighbours are all Spanish. It doesn't get much better than that.' See all reviews... New! Search Inside! ( Learn More ) Search inside this book: You can view sample pages from this book. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! Don't waste your time or money , October 6, 2005 Reviewer: feeMag from Dublin, Ireland I can see how this guy managed to buy a house in Spain. He wrote a book that is padded to the hilt with useless information fo fund it. If you want to know what the weather or the people in Spain are like then you can read about it in this book. The amount of helpful information about buying property in Spain can be found in about 2 pages, information that you would probably find online. Seriously don't waste your money by buying this book, save it for your house in Spain. Was this review helpful to you? 13 of 14 people found the following review helpful: A really practical guide to buying a house in Spain , June 30, 2003 Reviewer: Richard Parker from Bradford, England I found this book very helpful, especially the explanations of all the different legal documents. None of the other books I considered explain the legal documents involved in buying a Spanish property quite as clearly. The sample documents helped me to understand what was asked of me. As somebody who has never dealt with Spanish solicitors and agents before, I was glad to get a low-down on what they do and what to look out for from this book. A really useful book; well done, Harry King! Was this review helpful to you? 18 of 23 people found the following review helpful: Look elsewhere!! , June 4, 2003 Reviewer: Mr N Batcheler from London United Kingdom If you've never been to Spain before, know absolutely nothing about the country, and don't perhaps possess at least a minimal ammount of common sense then you might, just might, find something in this book of some use. Otherwise I would urge you not to waste your time or money by buying this book - I made the mistake so you don't have to! The style of writing is amateurish to say the least, the layout has obviously been designed by someone that's just bought some new software and wants to use all it's features at once, the content is shallow and next to useless as a guide to buying property. All in all I am amazed that this book ever made it into print, it really shouldn't have. I've only given it one star as it's not possible to give none! Was this review helpful to you? 54 of 58 people found the following review helpful: Buying a property in spain , November 9, 2002 Reviewer: mozz43 from Leeds, West Yorkshire United Kingdom If you,like me are considering buying a property in spain,either for permenant living (as i am)or soley for holidays and rental purposes buy and read this book before you do anything else. The book deals with all aspects of buying and all the legal side of a purchase in spain, and all the strange spainsh laws that us English do not understand,such as checking that the property has no debts attatched to it or if you buy and it has YOU are responsable for them. This book is well written,and in most part (not the law side)very easy to understand ,and has informed me of a lot of things i did not know which is very valuable when you are spending a lot of your hard earned cash on a purchase in a different contry with such uncommon laws,i would highly recommend this book if you are considering a place in the sun. Was this review helpful to you? Customers who bought books by Harry King also bought books by these authors: David Hampshire Joanna Styles Guy Hobbs Charles Davey Dan Boothby Look for similar books by subject: Browse for Books in: Subjects > Travel & Holiday > General Subjects > Travel & Holiday > Speciality Travel > Living & Working Abroad Subjects > Home & Garden > Buying & Developing Property > Property Guides Search for books by subject: Economics Housing & property for the individual Legal Reference / Law Profession Living & working abroad Portugal Property Spain i.e., each book must be in subject 1 AND subject 2 AND ... 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Colorado Real Estate
Breckenridge Lodging-colorado Real Estate Skiing Snowboarding information Summit County colorado. Today Snow High: 28 to 32 Tonight Snow Low: 10 to 15 -- If you would like to be kept informed on things going on in Breckenridge such as weather , lodging specials , cool stuff and more, then sign up for our email club now. BreckNet is the Breckenridge Colorado local information source for Breckenridge, Colorado and all of Summit County, Colorado. Step inside to learn more about this gorgeous alpine town and its surrounding areas, located high in the Central Rockies of Summit County, Colorado. BreckNet lists lodging companies and lodging specials as well as Real Estate companies in case you're looking to buy. Locals say the best things about Breckenridge Colorado are the endless opportunities for R&R. Talk about recreation ! Come in the summer to hear a concert, play golf, hike, camp, bike, fish, kayak, ride horses, or just go shopping ! There's something to do every minute of the day. Ski Breckenridge Lodging Call Toll Free: 1-800-754-9378 In the winter , enjoy some of the best skiing in the world. Our snow is light, soft, and plentiful! Check the list of Breckenridge Colorado ski and snowboard shops to save time with rentals. Winter in Breckenridge Colorado offers excitement and romance with skiing, snowboarding, ice skating, snowmobiling, sleigh rides, helicopter skiing, apres-ski entertainment , and candlelight dining . Looking for a deal? SkiCoupons.Com is the answer. Find tons of printable coupons for steals & deals on a wide range of products and services in the area like; lodging, dining, tours, shopping, skiing, rafting, golf, fishing, sportsgear, and much, much more! Check out their website today! Click here for air fare. Click here for Car Rentals. P.O. Box 1318 - 101 North Main Street, Suite 6 Breckenridge, Colorado 80424 For advertising information, Call 970-547-9690 - email chip@colorado.net - or visit www.inw.biz Email, dial-up or DSL Questions? Contact our sister company, VailNet/ColoradoNet 949-3318 * http://isp.vail.net
foreclosure property, is now
Amazon.com: How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties: Books Your Store Books See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . 7 used & new from $76.95 Have one to sell? A9.com users save 1.57% on Amazon. Learn how . See larger image Share your own customer images Publisher: learn how customers can search inside this book. How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties (Paperback) by Thomas J. Lucier (9 customer reviews) Availability: Available from these sellers . 7 used & new available from $76.95 Other Editions: List Price: Our Price: Other Offers: Paperback Order it used! Editorial Reviews Book Description Before Thomas J. Lucier wrote the first edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps in 1989, he was making time consuming and costly mistakes. The mistakes were inevitable; no one had written a book on how to buy pre-foreclosure properties, so Tom had to learn the hard way from his own mistakes and first hand experiences. All of the advice that he received said: "buy property on the county courthouse steps after it has been foreclosed on." But Tom eventually learned to avoid those costly courthouse-bidding wars by buying directly from property owners whose mortgage loans are in default and facing foreclosure. And the book that didnt exist back in 1985, when Tom bought his first pre-foreclosure property, is now in its fourth revised edition. The newly revised fourth edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps was released on October 1, 2003, and is comprised of fourteen meaty chapters that are packed chock-full of step-by-step instructions, ready-to-use information and practical, no-nonsense advice. Youll learn: 1. The difference between judicial and non-judicial foreclosure. 2. How the short payoff sale acquisition technique works. 3. How to get subordinate or "junior" lienholders to discount their liens by fifty percent or more. 4. How to use foreclosure notices to find all of the property owners in your county whose loans are in default and facing foreclosure. 5. How to use direct mail to contact property owners whose loans are in default. 6. How to perform due diligence on pre-foreclosure properties. 7. How to quickly verify loan information with foreclosing lenders. 8. How to accurately estimate the current market value of a pre-foreclosure property. 9. How to negotiate with property owners whose loans are in default and facing foreclosure. 10. How to properly prepare your purchase agreements and protect your interests when buying pre-foreclosure properties. 11. How to package, market and resell pre-foreclosure properties for maximum profit. 12. How to do a thorough pre-buy property inspection. 13. What you need to know about your states foreclosure statute when buying pre-foreclosure properties. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps has a fourteen-page chapter on the much-ballyhooed short payoff sale acquisition technique. The problem with ninety-nine percent of the short sales hype thats currently being foisted onto an unsuspecting public, by unscrupulous real estate hucksters peddling overpriced courses and boot camp seminars, is that its based on misinformation, half-truths, distortions and outright lies. And unfortunately, all of this hype has fueled unrealistic expectations on the part of would-be short sale investors, whove been led to believe, that every lender in America will approve a short payoff sale, at the drop of a hat. Tom Lucier gives you the unvarnished truth about short payoff sales, along with detailed, step-by-step instructions on exactly how the short payoff of a mortgage or deed of trust actually works. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps comes complete with the following ready-to-use worksheets, letters, checklists, notices, forms and agreements: 1. Short payoff sale checklist. 2. Sample notice of lis pendens. 3. Sample notice of default. 4. Loan breach letter. 5. Borrowers letter of authorization to release loan information. 6. Foreclosure lawsuit worksheet. 7. Notice of default worksheet. 8. Due diligence checklist. 9. Property tracking worksheet. 10. Short payoff sale proposal letter. 11. Six sample letters to owners in foreclosure. 12. Loan worksheet. 13. Sample HUD 1 Settlement Statement. 14. Sample Fannie Mae brokers price opinion. 15. Request for mortgage or deed of trust estoppel letter. 16. Subordinate lienholder worksheet. 17. Current market value worksheet. 18. Letter to private mortgage or deed of trust lender. 19. Letter to subordinate lienholders. 20. Thirteen property inspection checklists. 21. Owner interview worksheet. 22. Purchase agreement. 23. Walk-around property inspection checklist. 24. Buyer's closing checklist. 25. Daily repair cost worksheet. 26. Outgoing telephone message. 27. Participating broker agreement. 28. Assignment of purchase agreement. Contrary to popular belief, you dont need a degree from Harvard Law School in order to make money buying properties directly from owners whose mortgage or deeds of trust loans are in default, and about to be sold on the county courthouse steps at a public foreclosure auction sale. Granted, finding, researching, inspecting, negotiating, buying and reselling pre-foreclosure properties is a lot of hard work. But it can be a very lucrative line of work if you really know what youre doing, are well organized, and have the persistence thats necessary to be a profitable investor. And, unlike the roving weekend real estate carnies, late-night, cable-TV hucksters, Internet real estate whiz kids, and a certain Harvard Business School graduate posing as a "real estate savant," Tom Lucier doesnt claim to know-it-all, and youll never hear him promise to make you a pre-foreclosure property millionaire within the next thirty days. The simple fact remains that no real estate investment strategy will work unless you do! From the Publisher This newly revised fourth edition of the first book ever published on how to buy properties directly from owners whose mortgage or deed of trust loans are in default and facing foreclosure, was released on October 1, 2003! See all Editorial Reviews Product Details Paperback: 140 pages Publisher: Home Equities Corporation; 2nd edition (October, 1993) Language: English ISBN: 094534306X Product Dimensions: 1.2 x 10.2 x 11.5 inches Shipping Weight: 2.1 pounds. Average Customer Review: based on 9 reviews. ( Write a review. ) Amazon.com Sales Rank: Today: #337,845 in Books Yesterday: #332,142 in Books (Publishers and authors: improve your sales ) Other Editions: Paperback | All Editions Customers interested in this title may also be interested in: Sponsored Links: What is this? Pre - Foreclosure Profits How-to for beginners, veterans: 35-50% discount, little competition www.PropertyForeclosure.com Pre - Foreclosure Listings Daily updated pre foreclosure listings with phone numbers www.defaultresearch.com Make 10,000+ Per Month Automatic System to Make Money Start within 15 mins from now! www.AutomaticMoneyVault.com Feedback Spotlight Reviews Write an online review and share your thoughts with other customers. 30 of 31 people found the following review helpful: How to Make... , February 20, 2004 Reviewer: Disgusted (USA) - See all my reviews If you look over the positive reviews, you notice they are all written by commonly named individuals with no location listed. Furthermore, all of the comments use the same verbage and contain similar idiosyncrasies. Someone tell the author or the author's friends to stop writing positive reviews to boost sales. Instead, use that time being wasted to do some research and write a decent book. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: A Very Satisfied Reader In Los Angeles, CA , March 1, 2004 Reviewer: Clyde (Los Angeles, CA) - See all my reviews This is the absolute best book ever written about buying property directly from owners in foreclosure! The chapter on short payoff sales is just plain brilliant! No fluff, no filler and no white spaces! Was this review helpful to you? ( Report this ) 8 of 11 people found the following review helpful: Rudimentary , February 26, 2004 Reviewer: "mjm1005" (Colorado) - See all my reviews This book is pretty basic and not worth the money. Lucier must be trying to make money on the book and not on in real estate. A real disappointment. Was this review helpful to you? ( Report this ) 30 of 35 people found the following review helpful: Basic , July 13, 2003 Reviewer: This book could be replaced with 2 hours of internet research. Many of the pages just list websites and "worksheets" that are used as filler. Was this review helpful to you? ( Report this ) 26 of 34 people found the following review helpful: BEGINNERS BOOK , March 19, 2003 Reviewer: This book is a beginners book it truely does not get indepth into what happens and how to deal with the bank on short sales or buying the note. Was this review helpful to you? ( Report this ) 3 of 8 people found the following review helpful: How To Make Money Buying Pre-Foreclosure Properties , February 22, 2003 Reviewer: paul wells (Henderson, NV-USA) - See all my reviews Thomas Lucier has created a unique opportunity for anyone, anywhere, reguardless of past experience or knowledge reguarding Real Estate, Investing or Sales ability to take his material, read it, digest it and then apply what they have learned, and create a business that not only results in financial rewards for you as an investor, but puts you in a position of becoming a problem solver by helping people who truly need help,that do not know how to solve their problems,or even where to turn. His information gives you a straight forward step by step approach, from beginning to end, and is loaded with invaluable resources such as agreements, documents, and web sites that will give you the exact information you need to initiate and complete a successful transaction from the very begining through completion. When was the last time you paid for something you saw advertised or heard about that you purchased , just to find the hype and promotion proved to be overdone and the product was a dissapointment? Happens all the time. The invaluable information and knowledge you will gain from Thomas Lucier will last you the rest of your life and you will feel GUILTY that you paid so little for it. Get it in your hands as quickly as you possibly can, and apply it, because I promise you, opportunities are never lost......some one will take the ones you miss! Was this review helpful to you? ( Report this ) See all 9 customer reviews... 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