Since the end of 2009, the FHA has been discussing further changes to its FHA mortgage loan programs and these changes were approved on January 20, 2010. The FHA decided to make changes to its program after a 2009 internal audit showed that its reserves had fallen to a level that was about a quarter…
Category: Sports
Conquer fatigue and fear
You often think you’re tired when you’re just bored or depressed. You will look with boredom and weariness at the books that contain the knowledge that will improve your life or the work that will express your love; then wake up to mindless TV hypnotic venom or numbing music. That’s when you know you weren’t…
2007 NCAA Tournament Final 4 – Florida, Ohio State, UCLA and Georgetown
Now there are only four teams left, exactly as the stats predicted. No more than two No. 1 seeds have advanced to the Final 4 in 18 of the last 22 years and will now be 19 of the last 23 years. And no team seeded below No. 4 has won the championship for 18…
Real stories of unconventional success to inspire you
There are stories of people who have had unconventional success that have given you inspiration in life. Such stories are so uplifting that they give you positive energy that allows you to do a lot in life and see everything in a positive way. It may be that someone won the lottery when they really…
Cupcakes – Designer Style
Cupcakes have taken over the world. Those little wonders have been recreated in hundreds of different flavor combinations and served in stores across the United States. With cute wrappers and fun names, they tempt you with their size and keep you coming back for their amazing taste and texture. His large following will see new…
Chocolate: the good, the bad and the bitter
It is common knowledge that chocolate made its appearance among the Aztecs as a drink for kings. The cocoa beans, from which the drink was derived, were highly valued and were used as currency. When Hernando Cortez, a ruthless conquistador, set his sights on the Aztec nation, King Moctezuma introduced him to the bitter drink….
Chocolate Layer Cake with Whipped Cream is a delicious and refreshing summer dessert
Hot summer days remind me of my mom’s chocolate whipped cream layer cake. My mother, an excellent baker, was famous for her orange cake. However, she didn’t bake cake in the summer because she didn’t want to heat up the kitchen. Instead, Mom bought a sponge bread from the store. She cut the cake into…
black rock ghosts
“You can’t depend on your eyes when your imagination is out of focus” Mark Twain Black Rock is located on the northern edge of the Oquirrh Mountains, where the range ends abruptly on the southern shore of the Great Salt Lake. This is a very historic place and it’s a shame it’s in the condition…
Creative ways to donate your time and talent
If you have found yourself at a time and place in your life where things are going well and you feel the need to give back to others and share your good fortune, your efforts will surely be appreciated. Even if you don’t have a lot of money to share, there are still a number…
2006 FIFA World Cup – Poland v Ecuador
After an exciting start to the tournament with Germany’s victory over Costa Rica by 4 goals to 2, the stage was set for a classic meeting between European and South American teams. Poland qualified as the second best runner-up in the European group formed by England, while Ecuador qualified as the third team from South…