Salta Suites Cordoba Apart Hotel Now Accepts Direct Booking On Its Website

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PRLog (Press Release) - Apr 22, 2012 -
Cordoba, Argentina – Enjoy a safer and guaranteed-available room reservation for your holiday in Cordoba at Salta Suites Cordoba Apart Hotel by booking directly from its website. The process online only takes a few steps to secure an accommodation at the hotel, ready for guests upon their arrival.
forex pipsOn http://www.hotelsaltasuites.com.ar, guests simply need to click the “Reserve Ahora” button to access the booking engine. This takes them to a calendar page, where they input their travel dates. Next, guests select the room type they prefer, based on the rich information provided about the accommodations such as unique amenities, rates, and applicable ongoing promos.
To finalize their reservation, the system will require guests to pay 10% of the total room charge via credit card. The payment serves as a deposit and guarantee that the room booked is reserved for the guest on his travel dates. Transactions made online are protected by Trustwave and VeriSign.
Salta Suites Hotel’s online booking engine, powered by DirectWithHotels Ltd, is readable in up to 57 languages via Google Translate, so it won’t be difficult for guests, wherever they are from, to navigate.
When the guest has finalized the details of the booking as well as deposited the required 10% payment, the system will instantly send a confirmation e-mail to indicate a successful reservation.
Salta Suites Cordoba Apart Hotel is a prime choice for accommodations in Cordoba, Argentina. It boasts a central location just a few minutes from heritage sites and major landmarks in the city. The hotel, in fact, is a 10-minute walk from the Argentinean President's Square and about 1.4 km from the city's historic center. Additionally, the Ambrosio Taravella Airport and bus station are a stone's throw away from the hotel.
All guestrooms are thoughtfully furnished with individual heating and air-conditioning, an LCD TV with cable channels, IDD and NDD phone, Wi-Fi Internet access, safe, kitchenette with dining set, refrigerator, and microwave oven, and hair dryer.
To book at Salta Suites Cordoba Hotel in Cordoba, Argentina, visit http://www.hotelsaltasuites.com.ar.
DirectWithHotels Limited
DirectWithHotels is in the business of making selling online simple and more profitable for hotels. Since 2005, we’ve helped over 1000 Hotel Partners (and counting) in 50 countries worldwide increase their direct bookings online. We attract visitors and drive traffic direct to their hotel websites with tactical online marketing, convert these visitors into bookers with a top-performing booking engine, and manage increasing reservations with an easy-to-use web interface. All this at a fixed, performance-based fee of just 10% for every direct booking. To know more about what we do and offer, log on www.directwithhotels.com.

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The Chic Hotel Casa Abu Now Speedier in Welcoming Guests by Launching Direct Booking Online

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PRLog (Press Release) - Apr 22, 2012 -
Oaxaca de Juarez, Mexico – The stylishly designed Hotel Casa Abu in Oaxaca de Juarez, Mexico hastens its welcome for guests by launching a direct booking system on its website. The reservation process online takes a few simple steps to complete in order for guests to secure an accommodation at the hotel.

On http://www.hotelcasaabu.mx/home.html, guests just need to click the “Reserve Ahora” button to start booking the rooms they need. Upon clicking, they will be taken to the calendar page, in which to input their travel dates. Guests are then presented all the room types available during their stay, as long as the rates for each, unique amenities, other inclusions, and applicable ongoing promos.

To finalize their reservation, guests will be required to pay 10% of the total cost via credit card. This payment is both a deposit and guarantee that the accommodation they booked is reserved exclusively for the guest on his travel dates and ready upon their arrival. All transactions on the booking engine, which is powered by DirectWithHotels Ltd, are protected by Trustwave and VeriSign.

Hotel Casa Abu’s online reservation system is readable in up to 57 languages via Google Translate, so it will not be difficult for guests from all over the world to follow the instructions.

When the guest has completely filled out all the data required as well as deposited the required 10% payment, the system instantly sends a confirmation e-mail to indicate that the payment has been received and the reservation has been successful.

Hotel Casa Abu is situated Murguia, an excellent location near museums, historical monuments, and Oaxaca’s best restaurants. Apart from a good location, the hotel boasts of rooms that come inclusive of complimentary Continental breakfast, Wi-Fi access, free local calls, 24-hour coffee service, and a safe.

To book at Hotel Casa Abu in Oaxaca de Juarez, Mexico, visit http://www.hotelcasaabu.mx/home.html.

DirectWithHotels Limited

DirectWithHotels is in the business of making selling online simple and more profitable for hotels. Since 2005, we’ve helped over 1000 Hotel Partners (and counting) in 50 countries worldwide increase their direct bookings online. We attract visitors and drive traffic direct to their hotel websites with tactical online marketing, convert these visitors into bookers with a top-performing booking engine, and manage increasing reservations with an easy-to-use web interface. All this at a fixed, performance-based fee of just 10% for every direct booking. To know more about what we do and offer, log on www.directwithhotels.com.

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2012 Denver Century Ride Sponsored by Rickenbaugh Cadillac Volvo Fisker

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PRLog (Press Release) - Apr 22, 2012 -
Rickenbaugh Cadillac Volvo and Fisker is proud to sponsor and announce the 2012 Denver Century Ride at Stapleton Central Park. The start and finish line of the 2012 Denver Century Ride will be located at Stapleton Central Park.  There are 5 courses to choose from; a 5 mile family ride, 25 mile,  62 mile,  85 mile, and a 100 mile ride. Each route has been designed to suit your ability and your unique style. Whether you’re looking for a steep climb, an endurance ride, a meandering ride through Denver on your cruiser or a short neighborhood jaunt with the family, we’ve got a course for you.

Aid stations will be stocked with water, sports drinks, fruit, and good energy food energy bars. Portable toilets will be available on site. Riders must wear bib numbers (supplied with registration) to access the aid stations.

Medical & mechanical support will be available at the stations. Riders are asked to bring their own comfort medications (aspirin, ibuprofen, Tylenol) if needed.

For more information about the 2012 Denver Century Ride sponsored by Rickenbaugh Volvo Cadillac and Fisker and to register for the event, visit
Denver Century Ride Event Page

Rickenbaugh Fisker, Cadillac, and Volvo thanks you for taking part in this special June Event. It will be a great and memorable day!

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Elaf Group receives two Tourism Excellence Awards at 2012 STTIM, Riyadh

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PRLog (Press Release) - Apr 22, 2012 -
Jeddah, April 22, 2012 - Elaf Group of Companies, a pioneer in travel, tourism and hotel services in the Kingdom of Saudi Arabia, has obtained two recognitions at the Tourism Excellence Awards ceremony that was recently held as part of the SCTA’s Saudi Travel and Tourism Investment Market (STTIM) at Riyadh International Convention and Exhibition Center, under the patronage of HRH Prince Sultan bin Salman bin Abdul-Aziz, President of the Saudi Commission for Tourism & Antiques (SCTA).  Sheikh Ziyad bin Mahfouz, President, Elaf Group, received the ‘Best 4 Star Hotel in KSA’ Excellence Award, while the ‘Sales of the Year in KSA’ Excellence Award was presented to Mohammed Sharaf, Sales Manager of Hotel division at Elaf Group.

“Winning these awards underlines the increasingly significant presence of our hotels and services catering the tourism and travel industry in Saudi Arabia”, said Bin Mahfouz. “Looking ahead, we will continue to raise the bar of the industry standards and policies in line with the continuing developments of our times to help meet the market requirements worldwide.”

This attainment is a culmination of the Group’s ongoing efforts and concern to offer distinctive services that help achieve further success and profit. Undertaking several evaluations under established standards and measures, Elaf Group of Companies has participated in this event to help strengthen its market footprint and implement its national plan, where it ably won two Tourism Excellence Awards in recognition for its national and in-house range of world-class and high-quality services.

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Lavish Lyfe Music Group presents Ricko AK's new music video "Good Nite"

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PRLog (Press Release) - Apr 22, 2012 -
Lavish Lyfe Music Group announces the release of Ricko AK’s new music video “Good Nite”. ‘‘Good Nite” is the second hit single off of Ricko AK’s newest mixtape Warning Shotz 4: AK’z Revenge.  This project has been a highly anticipated project from the Lavish Lyfe camp.  

Before the official release of the video; Ricko AK gave a pre-release viewing to his Facebook fans only.  He felt that it was important that they received the first viewing as a means of showing his gratitude for their support.

When Ricko AK was asked about what this project means to him and what he wants his fans to take from it; he stated,  

“Good Nite” basically wrote itself as soon as I heard the beat.  It is a real reflection of who Ricko AK is.  It sets the tone for what I am building with my company Lavish Lyfe.  The whole experience of making this video has been fun. My team and I have been campaigning “Good Nite” for a while, so it feels really good to be able to share this with all the people that support me.  My only hope is that the fans will take it and run with it. “  

“Good Nite was produced by Mo Digi and directed and filmed by Tommy Nova.  Starving Monster Swag Wear is the official sponsor for “Good Nite”.  The official  “Good Nite” single  is available for purchase on ITunes.  

The video is available for viewing on Ricko AK’s YouTube page at
http://www.youtube.com/watch?v=cVxGfUwcQ50  

Check out a snippet in the Making of The Good Nite video:
http://www.youtube.com/watch?v=CsfAlRqK4B0

The official DJ service pack for “Good Nite” is available for download at
http://www.limelinx.com/files/097a2370fb3efcd98109ed1934f...

Download Ricko AK’s newest mixtape Warning Shotz 4: AK’z Revenge:

DatPiff:  http://t.co/y7BtskQ8
LiveMixtapes: http://t.co/wKRmGiNq
MediaFire:  Deluxe Edition http://t.co/HFc8i4sE

Follow Ricko AK:

Reverbnation: www.reverbnation.com/rickoakmusic
YouTube:  www.youtube.com/rickoworldwide
Facebook:  www.facebook.com/rickoakmusic
Twitter: @rickoakmusic
Instagram:  @rickoakmusic

Ova 4 Da Game EP coming soon, 2012!

For media inquiries contact Erin-Evangela Gannie, StreetClassy Media at streetclassy@gmail.com and 202-330-3201. For more information about his imprint Lavish Lyfe Music Group, contact Lavish Lyfe Music Group, VP, and Sandra Truss at lavishlyfevp@gmail.com and 770-380-7836.

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UAE Exchange Wins Best Service Performance Outlet Award Under DSES

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PRLog (Press Release) - Apr 22, 2012 -
‘Service is our currency’ asserts the tagline of UAE Exchange, the leading global remittance and foreign exchange brand. The brand has proved what it believes in, yet again, by winning the ‘Best Service Performance Outlet Award’ for 2011 under the Dubai Service Excellence Scheme (DSES), organised by Department of Economic Development and the Government of Dubai. H.H. Sheikh Maktoum Bin Mohammed Bin Rashid Al Maktoum, Deputy Ruler of Dubai, presented the award on 4th April, 2012 at Dubai World Trade Centre, Dubai.

“We are extremely happy with this achievement!” said Mr, Y. Sudhir Kumar Shetty, COO – Global Operations, UAE Exchange. “Excellent customer service has always been our forte. This award, which we are winning for the fourth time, proves our passion for excellence and the perseverance to stand up to our promise of quality service, yet again. We are constantly striving to ingrain more value in to our customer service, across the globe, to ensure that the largest network, in its class, offers the best service through its every outlet. Such recognitions only propel us further to work towards this aim of ours.”

Quality is one aspect, which UAE Exchange has never compromised upon. This penchant for quality has enabled the remittance major to offer the widest range of services under one roof, which include money transfer, foreign exchange, utility bill payments, credit card payments, mobile phone recharge, subscription payments and more. All these make UAE Exchange, a financial supermarket, which addresses most of the financial requirements of its customers.

Some of the quality services offered by UAE Exchange include includes Xpress Money, the instant money transfer service with over 1,35,000 payout locations in more than 125 countries; FLASHremit, the real-time bank account credit service; Money2anywhere, the convenient online money transfer portal by which money can be sent to any corner of the world in just a few clicks from an internet environment anywhere; Smart Pay, the WPS-compliant leading payroll solution; and XPay, the online bill payment service using mobile phone.

The brand’s passion for excellence has not only brought quality services for its customers, but also has won it many awards including the Banker Middle East Product Award, Dubai Quality Award, Sheikh Khalifa Excellence Award, Sheikh Mohammed bin Rashid Al Makhtoum Business Award, Dubai Human Development Appreciation Programme, Best Partner by Emirates National Development Programme, UAE Emiratisation Award, Deutsche Bank STP Excellence Award, Customer Service Week Star Award for the Best Implemented Initiative and ISO 9001 & 14001 certification, Superbrand status in 2009, 2010, 2011 and 2012 consecutively and more.

About UAE Exchange
UAE Exchange is a leading global remittance and exchange house based in UAE with, with direct ?operations spanning 29 countries across five continents with over 600 direct offices. With ?correspondent banking relationship covering more than 150 global banks, and associations with ?many leading brands globally to bring several value-added products to customers, UAE ?Exchange, acclaimed the world over as the ‘World’s Trusted Money Transferrer provides ?unmatched service in the industry to a wide customer base of around 3.5 million. In UAE, the ?brand has a leading presence with a network of over 101 branches covering all the Emirates. In ?October 2009, UAE Exchange commenced its 30th year of successful business operations. For ?more information, logon to www.uaeexchange.com, www.money2anywhere.com and ?www.smartpay.ae

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It All Started In Pasadena -- Actor Charles Bronson’s First Wife to Speak at Vroman’s Bookstore

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Charles & Harriett Bronson Wedding Photo, 1949PRLog (Press Release) - Apr 22, 2012 -
How did a former coal miner, who had only four cents in his pocket on his first date with his future wife, go on to become one of the highest paid movie stars in the world? Hear the rags to riches story of Hollywood movie actor Charles Bronson as told by his first wife, Harriett Bronson, when she speaks at a book signing for her memoir, "Charlie & Me," at Vroman’s Bookstore in Pasadena on Friday May 4 at 7 p.m.

"Charlie & Me,"(Timberlake Press), a Global eBook Award finalist, tells how the couple met in a Philadelphia drama school, fell in love, married and came to California by bus so Charlie could attend the Pasadena Playhouse. They moved into a back porch apartment in a house on El Molino Avenue (now a sober living center). Charlie spent his days studying acting at the Playhouse, Harriett worked in a handbag store for $27 dollars a week to help support them. Charlie was finally “discovered,” got parts in movies, and went on to become one of the best-known and highest paid actors in the world.

The Bronson’s high profile marriage produced two children, but disintegrated after Charlie fell under the spell – and into the bed – of the also-married English actress, Jill Ireland, while he was in Germany filming THE GREAT ESCAPE. After their divorce, Harriett sought a career other than just being “the ex Mrs. Famous” and ended up becoming a radio talk show host for nine years (on KABC, KIEV and KGIL). One reviewer dubbed her husky “purr” the “best female voice in radio.”

“I enjoyed watching Charlie’s incredible success, even after I was no longer a part of it,” the author says in her memoir.  “At least the children were a part of it, and for them it was wonderful.  Just witnesses his success was a trip.”

Vroman’s is located at 695 E. Colorado Blvd. in Pasadena. "Charlie & Me" is available at Amazon.com, BarnesandNoble.com and Kindle. Published by Timberlake Press.

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Arnold G & Steven Escobar to Receive the 2012 International Noble Awards April 22, 2012

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INTERNATIONAL NOBEL AWARDS 2012PRLog (Press Release) - Apr 22, 2012 -
Hollywood, CA --- Saturday, April 21, 2012 Diversity News Publications and A&G Entertainment Productions announced that Arnold Garcia (recording artist, songwriter, dancer, performer and music producer) aka Arnold G from A&G Entertainment Productions and Esteban Escobar (journalist, reporter, editor, columnist, writer, producer, director, publicist, radio personality and philanthropist) aka Steven Escobar to receive the 2012 International Noble Awards.

Arnold G and Steven Escobar will receive their awards at The 2012 Kundirana Concert & International Noble Awards Event benefiting World Medical Mission, a non profit organization to be held on Sunday, April 22, 2012 from 11:00 am to 5:00 pm at The Celebrity Center located at 5930 Franklin Avenue, Hollywood, CA 90028.

“WOW getting a Humanitarian Award is something that I still cannot believe it because the is so huge. I really want to thank Ms. Lou Baron from Celestial Productions Board of Directors and Management for this recognition and I guarantee that World Medical Missions will be my next charity to raise funds and awareness.” Said Steven Escobar.

The event will feature live entertainment and awards presentation to honor leaders and talents in the community. Other 2012 International Noble Awardees are: Dr. Diana Kim Le, Lala Usis Scott, Loida Barrientos, Benny Uy, A Edralin, Precy Uy, Boy Lizaso, Rosie Chua.

“I’m honored to receive the International Noble Award, and I’m proud to be an advocate for World Medical Mission's support for trained medical team professionals to provide medical care to people who have been denied access to the struggling healthcare system” said Arnold G.

Steven Escobar business associates/colleagues and friends have this to say about this recognition:

“Congratulations Steven! This is an amazing accomplishment. We believe you deserve this award because of your passion and dedication in all the work that you do. I'm proud of you!” said Mary Ann Omega, Vice President

Of The Filipino American Chamber of Commerce of Los Angeles.

“The Arts and Entertainment Magazine congratulates Steven Escabar and Diversity News for their great effort and on winning the International Global Award for raising awareness and raising money  for AIDS/HIV.” Said Joseph J. O'Donnell, Publisher.

WHERE: Celebrity Center

5930 Franklin Avenue, Hollywood, CA 90028

WHEN:  Sunday, April 22, 2012

MEDIA CHECK-IN @ 11:00 am

RED CARPET @ 11 :30 am to 12:55pm

MATINEE SHOW @ 1:00 pm.

GENERAL TICKETS: $10.00 at the door

PRESS/MEDIA: Contact: Alex Leon from World Wide Vital Marketing Public Relations at: worldwidevitalpr@gmail.com or Lou Baron from Celestial Productions at americascelestial@gmail.com

The 2012 Kundirana Concert & International Noble Awards Event benefiting World Medical Mission is a production of Celestial Productions. Lou Baron, Executive Producer and is a community leader, philanthropist, and president of Celestial Productions.

Fans, Family, Friends, Colleagues of Arnold G and Steven Escobar are encouraged to come to the event and show their support.

About Esteban “Steven” Escobar:

Esteban A. Escobar (born in El Salvador, Central America on September 6th) is an American (journalist, reporter, editor, columnist, writer, producer, director, publicist, radio personality and philanthropist. Esteban is known as Steven Escobar. He is the Executive Editor-In-Chief of Diversity News Magazine, an online & special print consumer news magazine that is visited by more than a million visitors per month while growing each day. Esteban Steven Escobar is also Producer, Director of Diversity News TV, the host of Diversity News Radio, on Air with Steven Escobar and the President of Diversity News Publications, a news/entertainment multimedia and public relations firm in Hollywood, CA. Steven Escobar owns E.E.Enterprises and an affiliate of The Diversity News Family of Companies.

Steven Escobar is also the official Hollywood and Los Angeles County Events Examiner for Examiner.com and contributor for Yahoo.com distributed via Yahoo Voices. Steven Escobar also gives back to the community by helping charities, and since 2003 to the present, he has been raising money and awareness for AIDS Walk LA benefiting AIDS Project Los Angeles. Also in 2011 Steven Escobar raised money and awareness for the Life Group LA and volunteered for Exotifit For Humanity. Steven was nominated for The Shorty Awards 2011 and People's Choice Fan Award 2012. Steven Escobar currently resides in Los Angeles County in the City of Hollywood, CA. For more information visit http://www.stevenescobar.blogspot.com/ or http://www.imdb.com/name/nm4164655/

About Arnold Garcia a.k.a Arnold G: Arnold Garcia (aka Arnold G), a member of The Recording Academy, is a well-respected recording artist, songwriter, dancer, performer and music producer.  He was raised in Camarillo, California. Arnold is the founder of A&G Entertainment Productions (AGEP) based in Hollywood, in which he has served the industry as a creator, producer and director since 2008. AGEP has been successful in signing artists with major record labels, publishing and helping enhance the music careers of undiscovered talent the opportunity to embark on a professional career path in the entertainment industry.

Arnold wants to help other artists’ development by offering stage coaching, voice coaching, branding, building a fan base and providing business education about the industry, so he launched “Local Celebrity”, “BringItOn” and “ShineOn”, programs which allow artists perform and compete for the opportunity to be mentored by a major recording artist.  AGEP’s mission is to help growing musicians and artists overcome the numerous obstacles they encounter, and to assist them in developing skill sets in all areas of the industry so that these promising artists tap their potential and excel within the industry by thinking “outside the box”.  For more information visit www.arnoldg.com or www.agepmusic.com

About Celestial Productions:

A Stellar Creation/Celestial Productions creates stellar events that showcase and honor leaders and talents in the community, while benefiting local non-profit organizations through the funds we raise. Celestial Productions is the proud producers of The International Noble Awards, America's Celestial Beauties, America's Celestial Adonises, America's Timeless Beauties, Special Celestial, Miss International Kundirana and Lady Dame Kundirana. For more information visit http://internationalnobleawards.wordpress.com

About World Medical Missions:

World Medical Missions is a non-profit organization which has committed the last twenty-three years into caring for the sick and impoverished people of the Philippines. The team is composed of a number of doctors, nurses, healthcare professionals, and volunteers who donate their time and services on a yearly mission to rural villages in the Philippine Islands, where they spend three weeks providing 24-hour medical care to people who have been denied access to the country’s struggling healthcare system. Knowing that entire communities whose health conditions continue to worsen have been left behind and ignored, the World Medical Missions seeks to share healing and hope.

MEDIA CONTACTS:

Alex Leon, Director of Marketing & PR                                                                                            

World Wide Vital Marketing & Public Relations Inc.              

TELS: (323) 465-3945 or (213) 321-9408

http://worldwidevitalpr.wordpress.com/                                

worldwidevitalpr@gmail.com

Lou Baron, President

Stellar Creation/Celestial Productions

americascelestial@gmail.com

EDITOR’S NOTE: Please post press release or mention event in your magazine, website, radio and tv and if you would like more information contact Alex Leon via email at worldwidevitalpr@gmail.com

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New Math Games from Teacher Created Resources

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TCR7837 Jumpin' Chips Addition, Ages 6 & UpPRLog (Press Release) - Apr 22, 2012 -
Teacher Created Resources is pleased to release a series of three new math games. The games reinforce important skills in addition, subtraction and multiplication, so they are worthy of classroom use. However, the “checkers-like” games are so fun to play that kids enjoy challenging their siblings and parents with the games at home.

Inside each sturdy box are over 150 equation chips, a colorful game board, and instructions for playing five different games. All of the games are played in a style similar to traditional checkers. Players move chips around the game board, jumping and collecting chips along the way. Different games accommodate 1 to 4 players, and the games vary in strategy and difficulty.

All three game boxes are available now and sell for $19.99. Educators and parents can visit http://www.teachercreated.com to find out more about these and other Teacher Created Resources products.

TCR7837 Jumpin’ Chips Addition   Ages 6 & Up
TCR7838 Jumpin’ Chips Subtraction   Ages 7 & Up
TCR7839 Jumpin’ Chips Multiplication   Ages 8 & Up

To purchase Jumpin' Chips games, visit  http://www.teachercreated.com/products/search-results.php?q=jumpin%27+chips&x=9&y=9

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Ghostriders Qualify for World Championships

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PRLog (Press Release) - Apr 22, 2012 -
Ghostriders Qualify for the 2012 World Championship

The Ghostriders Equestrian Drill Team has qualified for the World Championship Division at Super Ride X, June 19-23, 2012. http://www.superride.homestead.com  

The Ghostriders Rodeo Team (currently the National Champions) will defend their title at the event in the highly competitive Rodeo drill division.

Ghostriders Cowgirls Inc will go for their 5th consecutive National title in the Quad division.

Ghostriders Young Guns have entered several Youth divisions at the National Championship. The Team is working hard at practice and plan to make Texas proud.

The World Championship along with 24 National divisions will be held at the Texas Rose Horse Park on Highway 110 just south of Interstate 20 located between Van and Lindale.

The City of Lindale and the Lindale Area Chamber of Commerce are the Title Sponsor and Host City for Super Ride X.

The Ghostriders Rodeo Drill Team Drill Master, Pam Bonner said the teams’ hard work, horsemanship, dedication to each other and the great western spirit of all involved always help the team rise to the top; and she is so very proud of all the riders and accomplishments.

Team Coach, Sara Bass has the team working on learning the drill and working on horsemanship.

The Ghostriders youth and adult teams have a 11 year history of being a top group of dedicated riders from the great state of Texas and continue to thrill the crowds at rodeos and competition. The Ghostriders were named the Official Rodeo Drill Team of Texas and State Symbol by the Texas Legislature which was signed into law by Governor Perry during the 2007 session. Riders interested in joining the coed youth or adult ladies team, go to ghostriders.us for more information.

Press Release, for immediate release.

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HBMeU launches three educational initiatives leveraging social networking platform

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PRLog (Press Release) - Apr 22, 2012 -
April 20, 2012
Hamdan Bin Mohammed e-University (HBMeU), a leader in the field of e-Learning and quality management in the Arab World, has announced the launch of three educational initiatives under the ‘HBMeU Connect’ media platform, which leverages the power of social networking. ‘HBMeU Connect’ was officially launched by Dr. Saeed Al Hassani, Undersecretary of the Ministry of Higher Education and Scientific Research, at GETEX Spring 2012, the Middle East’s leading education, training and professional development event being held at the Dubai International Convention and Exhibition Centre from April 19 to 21, 2012.

Hamdan Bin Mohammed e-University has launched ‘HBMeU Connect’ in line with its commitment to fulfilling its pledge of accessible learning anytime, anywhere, recognizing the importance of flexible and accessible learning tools and resources. The HBMeU Connect media platform – which is comprised of HBMeU Podcasts, HBMeU Mobile App and HBMeU YouTube channel - enables current and prospective learners to stay up-to-date with the latest events at HBMeU and even watch live streaming videos of HBMeU events.

HBMeU Podcasts are produced by the HBMeU Learners’ Council, and are audio podcasts made by learners for learners. The HBMeU YouTube channel is a dedicated HBMeU channel on YouTube to promote and disseminate e-Learning in the Arab World, making HBMeU the first university in the region to do so. The first phase of the HBMeU Mobile Learning application, the first-of-its-kind initiative in the GCC and the Middle East that fulfils HBMeU’s commitment to provide accessible learning anytime, anywhere, will be available on iPhone, Android and Blackberry devices. The application provides a convenient platform for learners to stay up-to-date with the latest events at HBMeU.

Professor Nabil Baydoun, Assistant Chancellor for Learners & Enterprise Development, HBMeU, said: “The launch of HBMeU Connect reflects our commitment to facilitate accessible learning anytime, anywhere, enabling learners to leverage the power of social networking and access our wealth of learning resources and programs. Every component of HBMeU Connect has been designed keeping in mind the requirements of current and prospective learners. The Mobile application for instance is an important breakthrough that sets a new standard in education delivery in the GCC and the Middle East, and complements our efforts to adopt global best practices in creating a comprehensive learning experience. We feel that GETEX serves as an ideal venue to launch HBMeU Connect as it gives us unprecedented coverage and reach across target audiences in the UAE and across the region.”

HBMeU is the first e-learning institute in the Arab World that was established with the vision to develop a new learning process through the implementation of learning practices characterised by flexibility, quality and diversity to strengthen self-leadership among learners and prepare them socially and academically for a future career through integration in the job market. HBMeU’s philosophy is based on vital methods that have been developed through extensive research and development by specialists from all over the world. These methods include offering high quality programs, supporting the pursuit of lifelong learning, promoting the freedom of information, reinforcing the culture of excellence and innovation and providing education for everyone in line with the highest standards of comprehensiveness and credibility. The university, which is accredited by the UAE Ministry of Higher Education and Scientific Research, seeks to constantly identify knowledge needs, support research and development programs and create an outstanding environment for e-learning.

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For the First Time in the Arab World Samsung Electronics Launches PanArab Application Store

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Amman, Jordan (April, 2012) – Samsung Electronics, innovation award winning and global leader in consumer electronics and home appliances, announced launching PanArab store for free mobile applications.
Samsung electronics launched its PanArab store for free mobile applications directed to the Arab countries, since it believes in providing an Arabic content which suits the consumers in the Arab countries.
PanArab store for free mobile applications is targeting Algeria, Lebanon, Iraq, Oman, Yemen, Bahrain, Libya, Egypt, Kuwait, Jordan, Qatar and Tunisia.
President of Samsung Electronics Levant Mr. Sang Suk Roh said, "We at Samsung Electronics Levant seek through our presence in the Arab countries to provide the latest technological devices and smart applications for our users giving them a chance to experience their devices to the fullest".
PanArab applications store will launch several promotional campaigns before religious holidays and occasions in the Arab world.
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MCM opens its first boutique in Saudi Arabia

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PRLog (Press Release) - Apr 22, 2012 -
MCM (Mode Creation Munich), the prestigious German company specialized in luxury genuine leather products, opened its first boutique in Saudi Arabia, at Red Sea Mall, Malik Road, Jeddah. This boutique is the first of its kind for this luxury brand in the Middle East region.

In view of the importance of the Saudi market to MCM as being a springboard for the neighbouring countries, Mr. Michele Alberti, President of MCM, visited Jeddah and cut the ribbon to mark the opening of the boutique to the public. The boutique contains a wide variety of leather products including a fancy collection of women's innovative designs, luxury and high quality bags, suitcases, briefcases, in addition various leather accessories such as purses, luxury small leather items and lots of genuine leather products.

After cutting the ribbon, MCM President, Mr. Michel Alberti, said to the press:" After thorough study of the Middle East region markets, we have decided to penetrate the region through the Saudi market, the biggest market in the region, in cooperation with Abuissa Holding Company Limited and benefit from more than 30 years of experience in the Gulf market. The Saudi consumer is smart, stylish and always looks for luxury products that reflect his personality and individuality. We are confident that our products will meet the aspirations and needs of the Saudi consumers."

He added: "The boutique which we are opening today is our first boutique in Saudi Arabia and the first in the region, we shall open a similar boutique in Riyadh soon. We do not offer luxury, upscale and genuine products only, but we also offer excellent service through which we seek to achieve maximum customer's satisfaction. From the moment they step into the boutique, the clients will feel the difference. "

Founded in 1976, German brand MCM (Mode Creation Munich) crafts luxury leather goods, apparel for the world’s most seasoned travellers. MCM established itself as a global luxury brand through European artisanship with a refined mastery of skills, handcrafting elegant products with flawless quality materials.

MCM has presence in many major cities around the world including Athens, Berlin, Dusseldorf, London, New York, Beijing, Shanghai, Hong Kong and Seoul, and sold by prestigious retailers in major global market such as United States, Britain, Italy, U.A.E. and Russia.

For more information please call:
Comma PR
Mahmoud Abuown
Mobile: +966 50 606 64 75
Tel & Fax: +966 2 606 69 75
Email: Mahmoud@commapr.com

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http://www.prlog.org/11855641/1

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KHBTCC managed by Hilton hosts the Royal Department for Environment Protection’s clean-up campaign

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PRLog (Press Release) - Apr 22, 2012 -
Dead Sea –April 22, 2012: As part of Hilton Worldwide’s ‘Travel with Purpose’ social responsibility campaign and to mark Earth Day on 22 April, King Hussein Bin Talal Convention Centre managed by Hilton hosted a major clean-up campaign on the beaches and surrounding area of the Dead Sea with the participation of university students and different associations that are interested in the environment.

Under the patronage of His Excellency the Minister of Environment, and as part of the Public Security Directorate’s celebrations of Al Karama Battle and Mother’s Day, the campaign was organized by the Royal Department for Environment Protection / RANGERS to raise public awareness about the environment and clean the surrounding beaches and public areas.

Naif Zureikat, General Manager of King Hussein Bin Talal Convention Centre managed by Hilton, commented: “As a Hilton property, we are keen advocates of environmental protection and we truly believe it is everyone’s responsibility to do what they can to take care of the natural world around them.  That is why we are delighted to be involved in this joint effort to help safeguard such a beautiful part of our local environment which will help protect and preserve our surroundings”.

Members from KHBTCC’s blue energy committee representing various departments also participated in the clean-up campaign reflecting their commitment to living the Hilton Values.

About Hilton KHBTCC
Located at the heart of the Jordan Valley by the Eastern shores of the Dead Sea at the lowest point on earth, King Hussein Bin Talal Convention Centre managed by Hilton was established in 2005. Since then, KHBTCC is known as one of the most successful convention center in the area.

Managed by Hilton, the KHBTCC sits over 24,000 square meters and its 26 halls are fully equipped with state of the art facilities placing the centre as the leader in the MICE business on the local, regional and international fronts.

About Hilton Hotels & Resorts
One of the most recognized names in the industry, Hilton Hotels & Resorts stands as the stylish, forward thinking global leader in hospitality. From inaugural balls and Hollywood award galas to business events and days to remember, Hilton is where the world makes history, closes the deal, toasts special occasions and gets away from it all. The flagship brand of Hilton Worldwide continues to build upon its legacy of innovation by developing products and services to meet the needs of tomorrow's savvy global travelers while more than 144,000 Team Members shape experiences in which every guest feels cared for, valued and respected. Today, the Hilton Hotels & Resorts portfolio includes more than 540 hotels in 79 countries and the brand remains synonymous with "hotel." Access the latest Hilton news at www.hiltonglobalmediacenter.com or begin your journey at www.hilton.com. Social media users can engage with Hilton at www.twitter.com/hiltononline, www.facebook.com/hilton and www.youtube.com/hilton. Hilton Hotels & Resorts is one of Hilton Worldwide’s ten market-leading brands.

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http://www.prlog.org/11855676/1

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Hazleton Cleaning Company Participates in Great PA Cleanup

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PRLog (Press Release) - Apr 22, 2012 -
According to the Greater Hazleton Chamber of Commerce more than 1,700 volunteers participated in the "Great PA Cleanup" on April 21.   Many individuals and local companies showed their community spirit by coming out in force to rid the area of trash, junk and garbage.

Kim Martin, owner of Services Etcetera Carpet & Upholstery Cleaning said “I can’t believe that people can just throw their trash out like that”.   The company is responsible for litter and debris collection along North Biesels Road in Drums and encourages employee participation.  You can request a complete list of employee volunteers by visiting the companies website at http://www.procleaner.biz.

The Great American Cleanup of PA is sponsored by Keep America Beautiful.   Started in 2004 over 1.2 million volunteers have picked up 61 million pounds of litter and waste, 106,000 miles of road have been cleaned and 76,000 trees, bulbs, and flowers have been planted.

Keep Pennsylvania Beautiful is the result of two organizations with similar missions joining together to achieve a common vision, a clean and beautiful Pennsylvania. In 2010, PA CleanWays (1990) and Keep Pennsylvania Beautiful (2003) merged to become the new Keep Pennsylvania Beautiful whose mission is empowering Pennsylvanians to make our communities clean and beautiful. Keep Pennsylvania Beautiful is the state affiliate of Keep America Beautiful, Inc., the nation’s largest volunteer-based community action and education organization.

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Name-Necklace Announces Special Mother’s Day Offering

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PRLog (Press Release) - Apr 22, 2012 -
April 21, 2012 - Dror Arbel, marketing manager for Name-Necklace, has announced that the online boutique is offering a special sale in honor of Mother’s Day. The internationally known firm is offering its original 24K gold plated “Caps Heart Mom” necklace that normally sells for $74.95 for just $42.95.

“Our staff of skilled artisans creates each piece of custom jewelry according to your exact specifications and the finished product is exquisite every time,” said Arbel.

Mother’s Day arrives on Sunday, May 13, 2012 and the Caps Heart Mom necklace offers a fashionable and lasting way to show mothers around the world how much they’re treasured. The necklace can be personalized with the client’s name of choice or a word that contains special meaning for the recipient.

Name Necklace offers fine name necklaces and personalized jewelry known and coveted around the world. The online boutique offers custom created and designed jewelry that’s as unique and individualized as the recipient. Pieces are available in gold and silver styles to accommodate a wide range of personal tastes, along with unique designs that allows clients to express their individuality and fashion sense.

Visitors can choose to customize their creations in silver, and yellow or white gold. Clients can adorn their one-of-a-kind jewelry with the brilliance of diamonds or chic Swarovski crystals in a comprehensive array of colors. Name Necklace is one of the premier providers of custom name necklaces that make a statement wherever they’re worn, and are considered stand-alone works of art.

Name Necklace are one of the most highly sought fashion accessories available and the online boutique features necklaces with names and initials in a wide array of stylized fonts. The necklaces are an ideal way to celebrate the birth of a child, commemorate a day or event, or any occasion that’s special to the heart.

Fans can follow the firm on Facebook, on Google +, and on Twitter. Name-Necklace offers an exclusive deal of the week and clients receive free shipping worldwide. The site maintains an article database that addresses a variety of topics from selecting a design, different types of pendants and jewelry for men.

Name-Necklace’s Caps Heart Mom jewelry offers a unique and affordable way to show mothers how much they’re honored and revered. The necklace offers a unique and artful way for clients to express their personal style and fashion sense, or bestow a gift of treasured memories.

The boutique can be reached by phone toll-free at 888-808-4353 or via email with the convenient form on the website. For more information, visit the website at http://www.name-necklace.com.

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Reign of Blood by Alexia Purdy book release April 29th, 2012!

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PRLog (Press Release) - Apr 22, 2012 -
Reign of Blood is a Young adult Urban Fantasy/Horror novel with a dark and edgy paranormal theme that would appeal to the YA and crossover YA audience.

Since Alexia Purdy has released her debut novel Ever Shade: A Dark Faerie Tale February 29th 2012, it has received rave reviews and has been a frequent presence on Amazon’s “Best Sellers in Mythology” list.

Now she is releasing a new series starting with Reign of Blood about a post-apocalyptic world where a viral epidemic has wiped out most of humanity. One of the last humans left alive, April, who is also a vicious vampire hunter, is on a mission to save her family from the clutches of the unknown. Her world is infested with wild vampires, but something else lurks in the city, something that wants her blood ever so badly.

Alexia says “I’m very excited about Reign of Blood; it’s a suspenseful thriller with a touch of horror to keep you on the edge of your seat and definitely begging for more.”

Recent reviews:
“Alexia has created an end of world scenario right out of your nightmares, filling this new world with a multitude of mutations and action that will have you willingly falling deeply into the story.”-Author J.T. Lewis
“WICKED AWESOME!!!!! Reign of Blood will BLOW YOU AWAY!!!!”-Amy Conley
“Let’s say it was such a page turner…..This is a fascinating read for all ages!”-Bella (Paranormal Book Club)
“Another masterpiece from Ms. Purdy.” –Jacquie Talento

Initially, Reign of Blood will be available in e-book format first and then in print via Amazon, Barnes & Noble online and Smashwords.com

For more information on “Reign of Blood” Please visit the author’s websites:
http://alexiapurdy.blogspot.com
http://www.alexiapurdy.com

Alexia Purdy resides in Las Vegas, NV and is also the author of Ever Shade: A Dark Faerie Tale, a contributor to the Dark Light Anthology with Crushing Hearts and Black Butterfly Publishing and author of the poetic collection: Whispers of Dreams.

To receive a review copy, arrange an interview, guest blog, or event, please contact Alexia Purdy at alexeea@yahoo.com

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Ever Sweet Baby Boutique Goes Organic

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PRLog (Press Release) - Apr 22, 2012 -
Ever Sweet Baby Boutique, an online baby boutique (http://www.eversweetbabyboutique.com), just added organic baby clothes (http://www.eversweetbabyboutique.com/category_51/Organic-Apparel.htm) to their website. These products are made of cotton that has no harmful dyes or chemicals on it that can cause allergic reactions in some infants. All of these baby clothing items are sweatshop free and are made in the USA.

“We wanted to provide baby and toddler clothes on our website that are both trendy and eco-friendly, so we were ecstatic to add this new line of organic clothes for babies to our website,” said Kristin Hovde, owner of Ever Sweet Baby Boutique.

All of these items are 100% cotton and free from pesticides, herbicides or synthetic fertilizers that can be dangerous to an infant’s skin. Sizes range from 3-6 months to 18-24 months and come in a variety of edgy designs. Some of the styles available include baby gift sets, t shirts, onesies, hats and long-sleeve shirts.

About Ever Sweet Baby Boutique:
Founded in 2011, Ever Sweet Baby Boutique provides trendy and modern baby items on their website that is both stylish and affordable. Some of their high-quality products include designer diaper bags, infant and toddler car seat covers, stroller liners, and baby slings.

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Gulf doctors honoured at the 2012 Middle East OTO Awards

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PRLog (Press Release) - Apr 22, 2012 -
Dubai, UAE: The 2012 Middle East OTO Awards got underway this morning with a prize giving ceremony held on the opening day of the 9th Middle East Update in Otolaryngology Conference & Exhibition (Head and Neck Surgery). The Awards were established to honour otolaryngologists and ENT physicians in the Middle East for their contribution to the field.

The Otolaryngology Conference is produced by Informa Exhibitions and accredited by the Cleveland Clinic. Supported by the UAE Ministry of Health and the Dubai Health Authority, this event is sponsored by Karl Storz, Medtronic, GSK and MSD, and will host more than 120 internally renowned speakers and 600 healthcare professionals who will focus on the most recent advances in ENT disorders such as chronic sinusitis, paediatric otolaryngology, head and neck cancer, cochlear implants and laryngology. The event continues on 23-24 April at the Madinat Jumeirah in Dubai.

At this morning’s Awards ceremony, the Karl Storz Award for Excellence in Teaching was presented to Nabeel Fuleihan from Beirut, Lebanon. The award honours the person who has contributed significantly to the education of ENT physicians in the Middle East.

The “Ingeborg and Erwin Hochmair” Award for Service to the Deaf was established in association with MED-EL and, bearing the names of its cofounders, the award honours programmes and physicians who devoted much of their life to the care of the hearing impaired in the Middle East. This award was presented to Dr. Abdulrahman Al Hagr from Riyadh, Saudi Arabia.

The most significant award of the day was the Arab Health Personal and Professional Achievement Award established in association with Arab Health. The Award honours otolaryngologists who have exemplified through their personal life and professional careers deep commitment to the culture and values of the different communities in the Middle East along with determination to further scientific, medical and general development in the region. This year’s Award went to Prof. Akram Hajjar from Damascus, Syria.

The Otolaryngology Exhibition showcases the latest technologies and product launches from manufacturers and distributors from the ENT world. This year, Cochlear Ltd, the biggest manufacturer of implantable hearing solutions in the world, has launched its new Arabic-language website at the symposium.

“In a user-friendly, modern website structure, interested parties and parents of children born deaf in all Arabic countries can now easily find their way to a wealth of information about hearing and hearing deficiencies as well as about Cochlear’s hearing solutions and their field of application.” says Mr Frank Koall, Head of Distributor Operations and Turkey, Cochlear AG, Basel, Switzerland. “The Middle East is one of our most important markets; we have good contacts and relationships to key opinion leaders in this area and hope to deepen the collaboration with them and their clinics at OTO 2012.”

Also exhibiting at OTO 2012 are Leader Healthcare, a UAE-based medical equipment marketing and services company, who are showcasing the brand Spiggle & Theis, which has developed a new method for treating Obstructive Eustachian Tube Dysfunction.

According to Shabnam Ansari, Head of Marketing, Leader Healthcare, “So far, the condition has been managed but not treated. The revolutionary procedure is called Balloon Dilation Eustachian Tuboplasty and the method involves a balloon dilatation with a set of especially designed instruments. The procedure is easy, quiet and can be performed with minimal trauma to the patient. Leader Healthcare believes that OTO 2012 is the right platform to launch new and exciting products each year. The event sees participation from luminaries in the field each year, making it a satisfying and successful launch pad for our products.”

The Otolaryngology Conference and Exhibition is open to all trade visitors and healthcare professionals and will continue on 23 & 24 April, from 10am and 6pm. For further information on attending the event, please call +971 (0)4 336 7334 or visit www.me-oto.com.

-END-

Note to Editors

About Informa Exhibitions:
For more information, please visit www.informaexhibitions.com.

About Cochlear Ltd:
For more information, please visit www.cochlear.com.

About Leader Healthcare:
For more information, please visit www.leaderhealthcare.ae.

For media enquiries please contact:
Inga Stevens
PR and Social Media Manager
Life Science Division
Informa Exhibitions
T: +971 4 407 2743
inga.stevens@informa.com

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Toyota Dealership in Kochi Hosts Exciting Motorsport Activities to Popularise Etios Motor Racing

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PRLog (Press Release) - Apr 22, 2012 -
Toyota Kirloskar Motor (TKM) yesterday unveiled the concept cars of its Etios Motor Racing (EMR) Series along with exciting motorsport activities at Nippon Toyota in Kochi. This new venture is in line with its global philosophy of introducing ‘WAKU DOKI’, which in Japanese means ‘excitement, joy and fun.’

Premiered earlier this year for the first time at the Delhi Auto Expo 2012, the new sporty avatar of the Etios will re-emphasise Toyota’s efforts in reaching out to the younger target group through the Etios Brand. And, more importantly take motorsports closer to its customers and the youth of the country. Apart from the EMR concept cars on display, there was a host of motorsport based activities for all age groups visiting the dealership.

Racing simulators and remote controlled cars on race tracks were installed to enthrall motorsport enthusiasts. Children who accompanied their parents were given a crash course in basic automobile technology in a zone called the ‘Children’s Automotive Learning Area’, apart from other relevant contests and activities.  This year will be dedicated to popularising the EMR brand, apart from the dealership activations in 14 cities and 24 dealerships, there will be exhibition races, road shows and a whole lot of activities lined up before the Series next year.

Addressing the media, Hitoshi Fukui, Managing Coordinator-Marketing, Toyota Kirloskar Motor said: “Toyota wants to make our customers happy by providing what we call ‘Waku Doki’ in Japanese, meaning ‘excitement’, ‘joy’ and ‘fun’. And for that sake, our mission is to keep renovating ourselves for sustainable growth of our brand. Here in India, I am pleased that Toyota Kirloskar Motor has decided to start motorsports in the same global direction".

Continuing the Company’s global legacy of motorsports, the EMR tourney will be supported by one of the most accomplished and acclaimed engineering companies in motorsport history – TRD (Toyota Racing Development), the corporate brand from the Toyota affiliate, Toyota Technocraft Co Ltd. The EMR Trophy series that is slated to be held in the second half of 2013 will be based on a one-make racing championship platform. The cars will be FIA qualified with racing parts supplied by TRD, and their technical expertise will be utilized throughout the series. Toyota will also partner and work closely with Indian motorsport experts, Red Rooster Racing (International) Pvt Ltd based in Bangalore, to better understand the sport in India.  

MRF, one of the leading tyre manufacturers and pioneer of motor racing in India – and DENSO – a Toyota affiliate that manufactures auto parts – are now on board as ‘Official Partners’ for EMR in 2012. The Etios racing platform will help talented young racers develop their skills, and further train them to gain a competitive edge for their future in motorsports. They will be mentored by experts in the field, and will be given an opportunity to compete amongst the best in the country. This series will not only highlight the technological prowess of the manufacturer, but also the endurance levels of the Etios and the ‘fun to drive’ aspect of the vehicle. For a full report, visit automotivehorizon.sulekha.com/toyota-dealership-in-kochi-hosts-exciting-motorsport_04_2012_postedby_jayashankar-menon

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Kannapolis, NC 28081 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $115000

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Northport, NY 11768 New Real Estate Listing - 4 Bed 3.5 Bath Townhouse For Sale By Owner - $979000

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Silver Spring, MD 20906 New Real Estate Listing - 4 Bed 3 Bath Home For Sale By Owner - $339900

3level single home: 4bedrooms, 3bathrooms, and in-laws’ apartment, walking distance to schools, and public transportation.

Front porch entry; Hard wood main & 2nd levels, kitchen w/dining area & bay window, back yard. Main level: Living room, 2BRs, 1FB, Sunny w/ tall windows, shed on back of house. Private entrance to 2nd level 2BRs, 1FB, storage area, and additional atic storage space. Basement: fully finished in-laws’ apartment, 1FB, kitchen, private entrance, ideal for in-laws’ or renting. New furnace, new windows in all the house with ENERGY STAR qualify. 4 blocks to Wheaton swimming complex. Metro bus and Ride On, 5 blocks to Glenmont metro station

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Foley, AL 36535 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $250000

Mobile Bay House!

From the pier you can see the mouth of Weeks Bay. Catch crabs, shrimp, mullet, trout and so much more. See it to believe it! In the middle of nowhere, but not far from everything. Just a few miles from Foley, Gulf Shores and Fairhope, but on a quiet dead end road. If you like to play in the bay, this is it. The lot is 93' x 350' and the water is 4' deep. There is also an older ranch style, 3 bedroom 2 bathroom brick home. The home flooded up to the baseboard and was repaired. From Foley, turn off Hwy 59 onto county road 12. Go about 7 or 8 miles and turn left onto Bay Road W. Go about 1 1/2 miles. At the stop sign, turn right. It is about 1/2 mile on the left. The address is 9895 Beach Road, Foley, AL. Call 334-222-8600

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Cottage Grove, OR 97424 New Real Estate Listing - 3 Bed 1 Bath Home For Sale By Owner - $290000

Rural Setting Minutes from Town and Lake

Recently painted interior, new vinyl in bath and entry, 5 star gas range with grill and griddle, open kitchen and dining combination complete with a built in franklin fireplace, storm windows except in living room, insulated floors and ceiling for heat efficiency, gas stove heating insert in living room, patio, detached entertainment deck in front of home. 4 acres of mature and beautifully maintained landscaping with grapes, older apple trees, private entrance off country lane, barn, covered carport, detached bonus/office/hobby room. Potential to partition. Call owner at 541-954-7159 for details.

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Gray, GA 31032 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $124900

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Metropolis, IL 62960 New Real Estate Listing - 3 Bed 1.5 Bath Home For Sale By Owner - $23900

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Mariposa, CA 95338 New Real Estate Listing - 4 Bed 4 Bath Home For Sale By Owner - $550000

Yosemite/Mariposa Custom home, beautifully landscaped on 3 wooded acres w/oak, pine, red bud, and a seasonal creek/3 bridges. Wildlife abounds near this popular former B&B. Many different possibilities incl. Family home, Drug rehab facility, assisted-living, or B&B.Turnkey operation. Owner will teach you the trade.Excellent cash flow

Consider this: This home can generate cash not only cost you money! 4 bed rooms, 5 bath rooms, raised floor on one level. 2x6 framing Wood siding Insulation: R 30 ceiling, R 19 walls. Roof: Asphalt shingle Ceiling fans in all rooms. Whole house attic fan. Dual pane windows/sliding doors Cal Spa Hot Tub 8x8 under romantic gazebo, walk in pantry, laundry room, office. Living and dining room area 17 feet high cathedral ceiling, loft over kitchen. Central AC, forced air LPG gas heating, cast iron wood stove, two hot water heaters. .Septic system, crystal clear well water. Sprinkler & drip system. 12 volt outdoor lights Paved driveway & large area for parking; RV covered port & electric hook up.

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Brookport, IL 62910 New Real Estate Listing - 5 Bed 3 Bath Home For Sale By Owner - $158800

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Mobridge, SD 57601 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $159000

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Brick, NJ 08724 New Real Estate Listing - 3 Bed 2.5 Bath Condominium For Sale By Owner - $268900

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Jacksonville, IL 62650 New Real Estate Listing - 4 Bed 1.75 Bath Home For Sale By Owner - $125000

Located 1 blk from High School, 1 mile from Hospital, shopping, zoned business, many amenities.

Same Family owned home for years, upgrades to living area, especially living and dining room, large rooms with great view throughout. Lots of closet space. Large Laundry room. Has 1 attached garage and a large 3car garage, heated with elec., and a small garage for storage, plus workshop area and highlighted, car port with elec, for storage of motorhome/boat/etc. Property is 75' X 347'.

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Otsego, MI 49078 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $84900

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Parrish, FL 34219 New Real Estate Listing - 4 Bed 3 Bath Home For Sale By Owner - $500000

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Salida, CO 81201 New Real Estate Listing - 3 Bed 3 Bath Home For Sale By Owner - $675000

(Must See)Upscale southwest style custom home w/12 & 10 ft. ceilings, 3 bedroom 3 bath, two living areas, handi-cap acessible, RV garage, great mountain views, wildlife viewing off maintenance free covered deck, 17 ft. swimspa and hot tub in sun room, minutes to town, walking, hiking, jeep trails and Monarch Ski Resort.

This fabulous high end custom home is low maintenance and well insulated with many amenities and upgrades. Skylight in eat-in kitchen with high end appliances, thick slab granite counter tops, cozy living area with gas fireplace, 17 ft. Calspa Olympian Swim Spa and Hot Tub combo with access to 70 ft. maintanence free deck and from master bedroom. Deck has 42 ft of covered area. Master bedroom has large walk-in closet, and great master bath with skylight, slab granite Jack and Jill vanity, large dual shower with two glass doors with glass panel on side and above doors to ceiling, and 18 glass blocks with window above. The guest bath also has a slab granite vanity and window. The combo kitchen/den area, entry, and laundry room have 12 ft. ceilings and the rest of home has 10 ft. ceilings. Main (upper)level has recessed lighting throughout, and the entire home has comfortable infloor hot water heat including all garages and sun swim spa/hot tub room, each room thermostatically controlled. Air conditioning for those warmer summer days is supplied by a thermostatically controlled evaporative cooler on the membrane roof. The home would be great to have elderly parents downstairs, or use the downstairs living area for college kids or grand kids over for the summer. It would also make a great rec room, exercise room or man cave. Lower level has access to a garages on each side. This truly unique and wonderful home is a must see and is available for viewing to qualified purchaser.

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Brookport, IL 62910 New Real Estate Listing - 3 Bed 2 Bath Mobile Home For Sale By Owner - $94900

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Wickliffe, OH 44092 New Real Estate Listing - 3 Bed 2 Bath Home For Sale By Owner - $165000

A MUST SEE!

Remodeled in 2005. Set back on 1.3 acres. Very few properties on Rockefeller with country-like setting. Newer roof, siding, windows, HVAC, tile, carpet, paint, lighting, electric and plumbing inside and out. 3-bed, 2.5 baths, family room w/90% efficient WB fireplace, living rm./den, full basement includes playroom, laundry, storage and shower. All updated kitchen appliances, countertops and cabinets. House is phone and cable ready. Large 2 car garage with additional work area attached. For more photos and information go to http://fsborockefeller.hobbies.homepagenow.com

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Friendsville, MD 21531 New Real Estate Listing - 4 Bed 4 Bath Home For Sale By Owner - $325000

Allegehany Mountain Home For Sale By Owner

This beautiful 2 story 4 bedroom 4 bath custom built home is situated in the Allegheny Mountains just 10 minutes from Deep Creek Lake, MD. It features a finished basement with a mixture of walnut tongue and groove paneling and drywall with upgraded amenities throughout. Custom made red oak trim and vaulted ceilings with custom ash hardwood flooring throughout the majority of the 1st and 2nd floors. The kitchen cabinetry is custom made with sassafras and features 85 lbs rated drawers in the base cabinets. The countertops are Corian with the exception of the island being custom made cherry. The countertop is raised behind the sink to provide additional seating with 4 bar height bar stools. The island features an extended overhang for additional seating for 2 counter height barstools. There is also a wall hung china hutch with table height base cabinets and Corian countertop that feature space for a table height chair or stool. The room is filled with natural light through the abundant fixed glass windows and numerous french doors that provide easy, free flowing access to the rear deck / patio area. The kitchen appliances are all updated stainless steel which includes a microwave oven above the range with an integrated exhaust fan for the range. The kitchen features various accent lighting possibilities as well and the 3 main floor bedrooms are ideal for guest rooms, offices or dens. If you love to entertain this is the location. If a formal living room, large kitchen with deck / patio access wasn’t enough, there is a main level (SIZE) entertainment room that features a built in custom made red oak bar and bar back with custom made laminate counter tops and 6 barstools. Bose sound system, direct patio/deck access, private entrances, full bathroom with ceramic flooring and granite vanity top, ash hardwood flooring throughout and vaulted ceiling. The home is also prewired for a home speaker / entertainment system in the formal living room, kitchen, front patio, rear deck/patio area, master suite and master bathroom with volume controls for each area. The home also is prewired for a home security system with keypads at the front entry door and in the master suite and video, telephone and ethernet extensions throughout. There is also prewiring for additional accent lighting and/or features in the front and rear patio areas. If you prefer a little privacy, the master suite is located on the 2nd floor which provides your own, very private, sanctuary. It features a full bath, walk-in closet, vaulted ceilings throughout, side storage access doors, and a wall partition that creates your own private sitting room or office area with open A-frame windows that provide abundant natural lighting. The downstairs area offers a large family room, full bath and possible spare bedroom. A kitchenette could very easily be accommodated in this area as well. The storage room is partitioned off with an exterior access door and feature extensive storage shelving and a deep freezer. The utility room offers the possibility for additional heat sources and houses the Culligan water softener system, washer and dryer, base cabinets and countertop, water heater and water system components. The home is heated by two forced air heat sources. A stand alone wood / coal furnace and a stand alone fuel oil furnace. The system is also fitted with central air conditioning. This is an immaculate property. Very well maintained and designed. Numerous pictures are available upon request. Visit arrangements can be made via phone 301-616-6043 or e-mail. kslagle@qcol.net.

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GAINESVILLE, FL 32669 New Real Estate Listing - 7 Bed 0 Bath Home For Sale By Owner - $1550000

UNIQUE ESTATE ON 25 ACRES 7 BEDROOMS 8.5 BATHROOMS 7865 SF IN JONESVILLE GREAT LOCATION LESS THAN 5 MINUTES TO SHOPING AND RESTAURANTS BEAUTIFUL BRICK HOME + GUEST HOUSE GREAT ENTRANCE FENCE 25 ACRES 7866 sqf unfr air 7 bedrooms 8.5 baths MORE THAN 10.000 SF UNDER ROOF

UNIQUE ESTATE IN JONESVILLE GREAT LOCATION 7 BEDROOMS 8.5 BATHROOMS LESS THAN 5 MINUTES TO SHOPING AND RESTAURANTS BEAUTIFUL BRICK HOME + GUEST HOUSE GREAT ENTRANCE FENCE 25 ACRES Located in Jonesville, this 25 acre estate offers luxury living in a retreat-like setting. At the entrance to this French provincial, 6 bedrooms 7.5 bathrooms 7,200-square foot and a 866 sqf 1/1 guest house is a stunning property. A carved Cantera stone fountain greeting visitors to this 3-story, brick beauty. Featuring panoramic views, stunning custom detail throughout and a separate guest house, this property is sure to impress! A towering central hall, filled with light, inspires you to explore the expansive first floor. An elegant formal living room flows into a luxurious family room with an attached office featuring its own entrance and covered patio. A formal dining room connects via the butler’s pantry to a large kitchen making entertaining a dream. Next you will find the sun room with stunning views of the grounds and there’s even an additional first floor living area for an extended family member that includes a bedroom, bathroom and living room. Great investment very versatile property Guest house 1/1 kitchen laundry and great room Wood floors and tile (no carpet) Brick house 3 story wonderful views Well care 25 acres grand 30' entrance four board fence Iron Gate Office with private entrance 6 zone ac/heat for max efficiency Light and bright interior Granite countertops kitchen bathrooms and laundry Excellent flow great for entertain In-law suit independent entrance 600 flex area for library, nursery, media room gym etc 3 car garage side entrance Second floor balcony Energy efficient double pane windows Builder’s personal house great insulation Master suit his&hers separate bathrooms, closets. Sitting are Each room has its own bathroom and walking closet 5 big landing form numerous extra sitting areas Pocket doors, lead glass details extensive trim and Wainscoting 3 STAIR CASES paved road Multiple landings on the second and third floors allow comfortable seating areas taking advantage of the spectacular views

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Palm Harbor, FL 34685 New Real Estate Listing - 4 Bed 3 Bath Home For Sale By Owner - $421900

For Sale by Owner Center currently has  in FSBO real estate listings.
Saving home owners in real estate commissions.
ForSaleByOwnerCenter.com © 2011. All Rights Reserved.

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Milliken, CO 80543 New Real Estate Listing - 3 Bed 2.5 Bath Home For Sale By Owner - $145000

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Freehold, NJ 07728 New Real Estate Listing - 2 Bed 2 Bath Condominium For Sale By Owner - $164000

NICE, QUIET 55+ COMMUNITY NEAR JERSEY SHORE PRICE REDUCED
THE VILLAGES 55+ Adult Community- Nothing to do. Just move in! PRICE REDUCED. RENOVATED 2008-2009 New Kitchen, cabinets, counter top,new appliances, washer & dryer. Two new full baths, master with 5' walk-in shower,new tile,vanity, fan ,lights ,recessed lights in kitchen. all electric outlets replaced, new 3/4" solid hardwood flooring in living rm,dining rm and kitchen, new laminate flooring in bed rooms. New concrete Patio. New A/C indoor and outdoor units replaced 2008. New 50 gal HW Heater replaced 2009. New Windows. BUYER'S AGENT ALLOWED. $231/mo HOA fee includes exterior building maintenance and repairs, Clubhouse, pool, fitness room,grounds and lake maintenance, courtesy bus and more... Taxes$3200. See: www.miadomo.com/5402

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Newberry, FL 32669 New Real Estate Listing - 7 Bed 0 Bath Home For Sale By Owner - $1550000

LUXURY ESTATE 25 ACRES 7865 SQF CLOSE TO EVERYTHING,PAVE ROAD 7 BDRS 8.5 BTHS GAINESVILLE,FL

UNIQUE ESTATE IN GAINESVILLE FLORIDA ( JONESVILLE AREA) GREAT LOCATION LESS THAN 5 MINUTES TO SHOPING AND RESTAURANTS BEAUTIFUL BRICK HOME + GUEST HOUSE. GREAT ENTRANCE 30’ FENCE 25 ACRES 7865 OF LUXURY LIVING 7 BEDROOMS 8.5 BAHTROOMS Located in Jonesville, this 25 acre estate offers luxury living in a retreat-like setting. At the entrance to this French provincial, 7,867 square foot home. carved Cantera stone fountain greeting visitors to this 3-story, brick beauty. Featuring panoramic views, stunning custom detail throughout and a separate guest house, this property is sure to impress! A towering central hall, filled with light, inspires you to explore the expansive first floor. An elegant formal living room flows into a luxurious family room with an attached office featuring its own entrance and covered patio. A formal dining room connects via the butler's pantry to a large kitchen making entertaining a dream. Next you will find the sun room with stunning views of the grounds and there is an additional first floor living area for an extended family member that includes a bedroom, bathroom and living room. • Guest house 1/1 kitchen laundry and great room • brick house 3 story wonderful views • well care 25 acres grand 30' entrance four board fence iron gate • office with private entrance • wood floors and tile (no carpet) • 6 zone ac/heat for max efficiency • light and bright interior • granite countertops kitchen bathrooms and laundry • excellent flow great for entertain • in-law suit independent entrance • 600 flex area for library, nursery, media room gym etc • 3 car garage side entrance • second floor balcony • energy efficient double pane windows • builders personal house great insulation • master suit his&hers separate bathrooms, closets. sitting are • each room has its own bathroom and walking closet • 5 big landing form numerous extra sitting areas • Pocket doors ,lead glass details extensive trim and Wainscoting • 3 STAIR CASES PAVE ROAD FRONT Multiple landings on the second and third floors allow comfortable seating areas taking advantage of the spectacular views

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Perry, FL 32348 New Real Estate Listing - 4 Bed 4 Bath Home For Sale By Owner - $250000

For Sale by Owner Center currently has  in FSBO real estate listings.
Saving home owners in real estate commissions.
ForSaleByOwnerCenter.com © 2011. All Rights Reserved.

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Solid Mortgage Earnings Continue as Citigroup Reports; More Investor Updates

This note from Investor's Business Daily reminds me why day-trading stocks never works for me - even if you had the better-than-expected news ahead of time, you would have lost money: "Even generally positive results from JPMorgan Chase and Wells Fargo Friday failed to lift their shares, which fell along with the rest of the market on disappointing Chinese growth numbers." Wells, for example, reported a 42% increase in income from its mortgage-banking business year-over-year, at $2.9 billion, up $506 million from the fourth quarter of 2011, on $129 billion in originations, compared to $120 billion in originations in Q4. Citigroup also came out with its earning this morning - better than expected. (For example, Citi released $1.2 billion in reserves - maybe things really are improving.) Profit spreads are good in mortgage originations - we are seeing hefty numbers.

And mortgage companies are expanding, some in the wholesale investor channel. For example, Real Estate Mortgage Network is looking for wholesale AE's in the Southeast, Southwest and in Texas. (REMN is licensed in 40 states.) The lender has been in mortgage banking since the 1980's and continues to expand throughout the country as its wholesale division has continued to see success through "a mix of quality products, commitment to retail partners and its industry-leading reputation for same day turnaround on new files." If you'd like to learn more about the company visit http://www.remnwholesale.com and interested candidates should send their resumes to AErecruiting@remn.com.

I have been retained by a highly successful, privately owned mortgage bank in Northern California who is seeking a Sr. VP of Mortgage Operations who will be responsible for multiple operations centers. (The company is originating well over $200 million per month.) This position will be responsible for strategic leadership, team development, metrics and the execution of the mortgage operations of the firm, and include designing and implementing processes and procedures with effective standards for  underwriting, closing documents, funding and post-closing teams; managing all the operations employees, maximizing employee productivity, accountability and effectiveness. The ideal candidate should have 10+ years of Senior Mortgage Operations experience. If you know of someone who is a candidate, and is either living in the SF Bay Area or be willing to relocate, they should send their resume to me at rchrisman@robchrisman.com.

No banks were closed Friday, and the pace of 2012 closures is less than that of 2011. Banks that are closed usually have some forewarning, such as being placed under a written agreement by bank regulators. If you're working at a bank, and you think that it might be under some type of "written agreement" with the Federal Reserve, the place to check is here. (These are the newly announced orders; you can search for existing orders also.)

Turning to lender & investor news, and a quick reminder that it is always better to read the full bulletin from the investor, Franklin American has just implemented new pricing adjustments for Jumbo loans, including increasing the LTV/CLTV adjustment to 0.375.  Further adjustments have been made to Jumbo products in FL, NV, AZ, CA, MI, NH,NJ, CO, DC, IL, MA, MN, MD, MO, both Carolinas, OH, OK, OR, PA, TN, TX, WA, and WI.

As of last Thursday, April 12th, US Bank has removed the LTV/TLTV restrictions on using Property Fieldwork Waivers for Fannie DU Refi Plus Programs 3523, 3524, 3525 and 3526.  Should the DU response offer a PFW, it can now be used at all LTV and TLTVs per maximum stated in the guidelines. US Bank will not accept any FHA loans submitted for underwriting that have a DTI ratio greater than 50%, regardless of FICO score.  This goes into effect on Monday but does not apply to delegated correspondents using their own Direct Endorsement (DE) authority.

Provident Funding is no longer accepting loan applications with borrower-paid broker compensation that exceeds 2% at the time of the initial registration and GFE audit.  Existing locks will still go through, but this is immediately effective for all new applications.

Effective for all Flagstar-serviced HARP loans locked on or after April 6, 2012, the three Expanded Approval Risk Class price adjustments will be consolidated into a single price adjustment.  The new adjustment for EA Risk Classes 1-3 is now -0.250. Flagstar also reminds sponsored originators that they are not permitted to close loans in their own name without being approved by the FHA.  These loans must close in Flagstar's name; loans from unconditionally approved lenders that are underwritten by the correspondent must close in the correspondent's name.  Loans from lenders who are still in the FHA test case phase must be closed in the correspondent's name as well.  In addition, non-approved lenders are required to be sponsored by at least one lender with FHA approval whom they have registered as a third party originator in the FHA Connection. 

In light of California Senate Bill 183, which requires all existing homes "intended for human occupancy that have a fossil fuel burning appliance, fireplace or attached garage" to feature a carbon monoxide device, the FHA requires installation of such a device where an appraiser finds it absent.  Flagstar will not clear FHA loans to close until an inspection proves that the installation has been completed.  Fannie Mae Form 1004D competed by an FHA-approved appraiser, HUD Form 92051, or a paid invoice from a licensed carbon monoxide device professional are all acceptable forms of proof.

As mentioned in Friday's commentary, Flagstar has indefinitely suspended the Freddie Mac Open Access program Freddie Mac Open Access II, and any loans in the pipeline currently registered under the program will need to be locked and submitted to Underwriting on or before April 27th.   These should be funded and delivered before June 1.

The Flagstar Conventional Underwriting Guidelines manual now includes revisions to guidance on condos, document expiration dates, and non-permanent resident aliens.

Affiliated Mortgage has added to its Unacceptable Appraiser List. AMC also reminds lenders of the new guidance issued on FHA Fixed Rate and FHA Jumbo Fixed Rate products, the latter for which lenders must receive AMC approval to be eligible.

Another reminder from AMC: images scanned for loan delivery should be sufficiently clear so as not to delay the process.  Scanners should be set to at least 200 dpi, and everything but the appraisal should be scanned in black and white.  Using the original documents is best, and these should be scanned in the vertical orientation.  AMC encourages using BlitzDocs to submit loan files rather than using PDFs.

Mountain West Financial has partnered with Condo Approvals LLC, a service that provides FHA condo complex approvals as well as complimentary pre-screens to gauge probable eligibility. 

Here's a name from the past: American Mortgage Network-formerly and currently known as AmNet. (Its successor company was Vertice.) Certainly, as some lenders and investors have left the industry, others are only too willing to step into the vacancy. In this case, wholesaler AmNet is offering the standard products, with a "goal to meet or exceed our prior monthly funding numbers of $1B in 2-3 years." No, this isn't a paid ad, and if you're a broker with questions contact Mike Lynch at mike.lynch@amnetwholesale.com.

The bond market seems to be taking care of itself, and mortgage rates are just fine. This has come, however, due to another week of softer U.S. economic data. Wells Fargo's economics team, for example, has forecast that U.S. GDP growth slows to a 2.8% annualized pace in the first quarter and continues slowing to a sub 2% annualized pace in the second. Many economists are not expecting the Fed to start another round of quantitative easing unless there is an adverse change in the economy's direction and the picture painted by last week's Beige Book is somewhat upbeat. Regardless, last Tuesday a flight to quality rally on continued euro zone and global growth worries pushed the 10-year note yield below 2.0% for the first time since early March, and it closed out the week just a shade below 2.00%.

The news last night and over the weekend was hardly earth-shattering. Moody's Investors Service said it will postpone a decision on whether to downgrade the credit ratings of more than 100 European banks. (Moody's is facing pressures from the industry, which is battling challenges from the sovereign-debt crisis - but doesn't a rating agency merely reflect the news that is already priced into the market?)

We have a decent amount of U.S. economic news this week to shift interest rates around. Today we had Retail Sales (+.8%, ex-autos +.8%, a shade better than expected), Empire Manufacturing (a huge drop), and later we'll see one in the long series of housing market numbers (NAHB Housing Market Index). Tomorrow is more housing related news: the Starts & Permits combo, along with the Industrial Production & Capacity Utilization twins.  Thursday is Jobless Claims, the Philly Fed, Leading Economic Indicators, and another housing number: Existing Home Sales. In the early going the 10-yr yield is at 1.98%, nearly unchanged as are agency MBS prices - don't look for big rate sheet changes.

A balding, white haired man from Boca Raton, Florida, walked into a jewelry store this past Friday evening with a beautiful much younger gal at his side.
He told the jeweler he was looking for a special ring for his girlfriend. The jeweler looked through his stock and brought out a $5,000 ring.
The man said, "No, I'd like to see something more special."
At that statement, the jeweler went to his special stock and brought another ring over. 'Here's a stunning ring at only $40,000 the jeweler said. The lady's eyes sparkled and her whole body trembled with excitement. The old man seeing this said, "We'll take it."
The jeweler asked how payment would be made and the man stated, "By check. I know you need to make sure my check is good, so I'll write it now and you can call the bank Monday to verify the funds and I'll pick the ring up Monday afternoon."
On Monday morning, the jeweler angrily phoned the old man and said "There's no money in that account."
"I know," said the old man, "But let me tell you about MY GREAT WEEKEND!"
See? Not All Seniors Are Senile.

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QM Update; The second Lien; NMLS, the extension of the Bank; CFPB is owned by lenders in the marketplace for vendors

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Remember QRM? Not only is it not on the front burner, but it may have been put back in the Tupperware container. QM, however, is very much alive and well, and the industry needs to be aware of it. And any headline including "Mortgage companies fear" is attention-grabbing.  (Read: Letter to Cordray Requests Industry Input into Qualified Mortgage)

National appraisal management company Valuation Management Group has a Sales Account Manager opportunity available in its Atlanta, GA office. "The Sales Account Manager will create and develop profitable relationships with mortgage lenders, community banks, and credit unions. Additionally, the person will actively prospect for new accounts and maximize sales potential with existing customers. A requirement of the opportunity is to have banking, mortgage, AMC and/or real estate experience." The firm (the 22nd fastest growing-private company and 1st in Real Estate in the nation on the INC 500 list) has a website at www.valuationmanagementgroup.com; qualified candidates should submit their resume to Patrick McMillen at Patrick.mcmillen@vmgappraisals.com.

On the other side of the nation, after recently opening up a regional Branch in Northern California (Roseville) Caliber Funding and is looking to hire Wholesale A.E's in Northern CA, WA, OR, ID, CO, MT, WY, and Utah.  Caliber is one of the fastest growing Wholesale lenders in the country and offers excellent compensation, great benefits, superior technology, open territories and a variety of loan programs including USDA, Jumbo, FHA/VA, Homepath and Conventional.  Backed by Lone Star Funds, Caliber Funding is aggressively expanding its footprint in the Wholesale channel.  Wholesale candidates must be high producers with an active Broker base.  To learn more visit caliberwholesale.com, or to inquire about available job opportunities with Caliber please email sean.drake@caliberfunding.com or matt.mancasola@caliberfunding.com.

Remember when everyone did 2nd mortgages? The chickens are coming home to roost: JPMorgan Chase confirmed that $1.6 billion in second mortgages have been reclassified as nonperforming even though about 88% of them remain current! The loans are subordinate to delinquent first mortgages and are expected to eventually be total losses, prompting calls from regulators to reclassify them now. Wells Fargo and JPMorgan Chase both reclassified many second mortgages as delinquent, even though they are current, because the first mortgages to which they are subordinate have already gone delinquent.

Big banks hold many 2nds in their portfolios. It was two years ago when President Obama vowed to eliminate the danger of financial institutions becoming "too big to fail," but now it has become apparent that the nation's largest banks are bigger than they were before the credit markets seized. The Federal Reserve reported that at the end of 2011, the Top 5 (JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, and Goldman Sachs) held $8.5 trillion in assets, equal to 56% of the U.S. economy. This is up from 43% from five years earlier, and these five banks are about twice as large as they were 10 years ago. I remember the 1984 breakup of AT&T (Ma Bell) into the Baby Bells - imagine doing that with a bank!

Freddie, lightening up on HARP 2.0 underwriting? Or should Fannie tighten up? I guess more lax underwriting is prevailing.

Will banks require originators to be licensed by the NMLS? The Conference of State Bank Supervisors (CSBS) and its subsidiary - the State Regulatory Registry LLC (SRR) - announced the expanded use of NMLS by five state banking agencies (MS, OK, RI, VT, and WA) for the licensing and supervision of non-depository financial services industries beyond the mortgage industry. "With the implementation of updated uniform NMLS Licensing Forms (these five state agencies) are managing license authorities covering a range of industries, including money transmitters, debt collectors and sales finance companies." One Massachusetts regulator noted, "We are building upon the success NMLS has had in bringing greater consistency, transparency, and supervision to the oversight of the mortgage industry. Now, with updates to the System, state regulators have the ability to not only enhance oversight of the mortgage industry, but a broad range of financial services industries that provide important access to credit to American families." In addition to the five state agencies currently managing other license authorities on NMLS, six more agencies plan to expand their use of the System this year with an additional nine expected to do so in 2013.

Saturday the commentary noted that, "The Vermont Mortgage Bankers Association and Mortgage Bankers/Brokers Association of New Hampshire are hosting a Mortgage Compliance Conference next weekend on the 18th and 19th." The dates are fine, but should have read "next week" - hopefully no confusion resulted.

Occasionally, or pretty often, the question comes up about MI companies and HARP 2.0. (The question also comes up about warehouse banks accommodating HARP product, and the list is pretty skinny.) As best I know, all MI companies are participating in HARP including those who are bankrupt or have stopped writing policies (Triad, PMI, and Old Republic jump to mind by I am sure there are others). If one considers that the MI company, such as MGIC, is in first loss position on any loans the MI company has insured already, it is easy to see why the company would be motivated to improve a borrower's position and avoid a possible claim. For example, MGIC will transfer a cert on any insured loan, if it meets HARP requirements, regardless of DTI, LTV, occupancy, etc. There seems to have been more restrictions placed by investors than the MI's at this point, since each investor/servicer has its own appetite for/concerns about the program. And many post updates on their websites, such as TRIAD's.

The question came up recently about ambiguity in the HUD sentence from ML 2012-02: "FHA-approved DE lenders that sponsor third-party originators are responsible for ensuring that each third-party originator they sponsor adheres to FHA's requirements when originating loans for that lender." What kind of increased TPO oversight are lenders planning in an effort to meet this broad requirement? A highly placed attorney wrote to me, saying, "FHA-approved DE lenders that sponsor third-party originators are responsible for ensuring that each third-party originator they sponsor adheres to FHA's requirements when originating loans for that lender. Unlike elsewhere in ML 2012-02, that sentence does not make a distinction between FHA approved TPO's and non FHA approved TPO's.  That raises the question of whether the sponsor needs to ensure compliance with all FHA requirements even if the third party is not an FHA lender. I haven't seen others interpreting it in a broad fashion.  Rather, I think the better reading, given the FAQ clarifications and my overall sense of the Bulletin, is that FHA would permit a distinction to be drawn between FHA requirements applicable to FHA approved TPO's on the one hand and non-FHA approved TPO's on the other." One is advised, of course, to seek their own legal counsel for interpretation questions.

Along those lines, the CFPB issued a bulletin Friday reminding financial institutions that they may be held accountable for violations under contracted service providers. The agency said that banks and nonbank entities need to supervise their third-party vendors with due diligence, consistently request and review their internal controls and training materials, and establish clear expectations about compliance. The CFPB also called on financial institutions to adopt the internal controls necessary to supervise vendors, reaffirming the agency's role as both a formal supervisor and informal trendsetter in the industry. Richard Cordray said, "Banks and nonbanks must manage these relationships (third parties) carefully and can be held accountable if they break the law."

The last Housing Starts numbers didn't give the building industry much to cheer about, although it reflects what they probably already knew: starts pulled back in February as single-family housing starts declined a disappointing 9.9%. (Yesterday's NAHB index showed home builder confidence dropping for the first time in seven months.) But how about that multi-family sector -up about 85% over last year! And building permits for both single- and multi- family homes posted sizable increases in February, suggesting somewhat stronger building activity in the months ahead. Coming in to this morning's number, Wells Fargo's economics staff expected that overall starts would post a nearly flat reading for the month of March, at a 696K unit pace. But Housing Starts were down almost 6%, 654k, the weakest since October, but Building Permits were +4.5%.

Looking at the markets, both stocks and bonds improved yesterday. More specifically, the US T-note was better by about .250 in price and ended the day at 1.97% while MBS prices were better by about .125. But folks are tentative, and it seems that this market is generating as much confidence as a Secret Service Agent telling his wife he has an under-cover assignment. Also moving rates today is the "risk off" bid this morning from Spain's 12-18 month auction overnight being well received, relaxing some fears and sending yields on Spanish bonds lower. We'll also have some non-market moving news later when Industrial Production and Capacity Utilization for March come out. To start the day we find the 10-yr at 2.00% and MBS prices worse about .125.

(I think that I first saw this letter to John Block, the Ag Secretary under Reagan, and it repeats under every administration.)
Dear Secretary of Agriculture Tom Vilsack,
My friends, Darryl and Janice, over at Jonestown, Oklahoma, received a check the other day for $1,000 from the government for not raising hogs. So, I want to go into the "not raising hogs" business myself next year. What I want to know is, in your opinion, what is the best type of farm not to raise hogs on, and what is the best breed of hogs not to raise? I want to be sure that I approach this endeavor in keeping with all government policies. I would prefer not to raise Razor hogs, but if that is not a good breed not to raise, then I can just as easily not raise Yorkshires or Durocs.
As I see it, the hardest part of this program will be keeping an accurate inventory of how many hogs I haven't raised. If I can get $1,000 for not raising 50 hogs, will I get $2,000 for not raising 100 hogs? I plan to operate on a small scale at first, holding myself down to about 4,000 "not raised" hogs, which will give me $80,000 income the first year.
Now another thing: these hogs I will not raise will not eat 100,000 bushels of corn. I understand that you also pay farmers for not raising corn and wheat. Will I qualify for payments for not raising wheat and corn not to feed the 4,000 hogs I am not going to raise? I want to get started not feeding as soon as possible, as this seems to be a good time of the year to not raise hogs and grain. I am also considering the "not milking cows" business, so please send me any information on that also.
In view of these circumstances, I understand that the government will consider me totally unemployed, so I plan to file for unemployment and food stamps as well. Be assured that you will have my vote in the coming elections.
Patriotically yours,
Duster Benton
P.S., Would you please notify me when you plan to distribute more free cheese?

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