Monthly Archives: June 2009

Bacteria Wakes Up After 120,000 Years

State College, PA — Scientists from Penn State (Pennsylvania State University) have revived a bacteria that was believed to have been dormant for over 120,000 years. The sample was taken from 2 miles beneath a glacier in Greenland. Jean Brenchley of Pennsylvania State University said, “We don’t know what state they were in. They could [...]
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About Getting Heard

I got your email address from Ed Simmons. I don’t know if he told you, but I have a band (‘The Mistaken‘) and am always looking for exposure. We have songs available for download at iTune s as well as CDBaby.com. We also have a website, myspace page, etc. I would be very interested in [...]
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The Mistaken

About THe Mistaken A great photographer friend, Ed Simmons suggested the following band might be fun to work with: In the words of one Mistaken fan: ‘you aren’t writing about milkshakes…’ The Mistaken deal with lonely satellites, bunker-dwelling control-freaks, articulate terrorists and George Zapata, among others. Is it a thankless job? We think not. The [...]
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Purusa Not From the USA?

This journey began in 2001 when at 17 years old, Stuart and Callum formed the band. During this year they played small local shows and school concerts, gaining valuable experience. The duo quickly formed a fantastic musical understanding of one another and shared the same goals and ambitions. Through the years they wrote a full [...]
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FHA Mortgages And Loan Limits

FHA Limits For Pennsylvania (PA) Common Questions About an FHA-insured Loan Why choose an FHA-insured loan? There are lots of good reasons to choose an FHA-insured loan, especially if one or more of the following apply to you: * You’re a first-time homebuyer. * You don’t have a lot of money to put down on [...]
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How to Buy a Home With a Low Down Payment

A consumer’s guide to owning a home with less than three percent down. If you’re dreaming of buying a home, congratulations. You’re in good company! About two-thirds of the nation’s households own their own home. This brochure describes how families can get into their own homes with little cash up front. It explains mortgage insurance [...]
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Fair Housing: It Is The Law

FAIR HOUSING ACT Sec. 800. [42 U.S.C. 3601 note] Short Title This title may be cited as the “Fair Housing Act”. Sec. 801. [42 U.S.C. 3601] Declaration of Policy It is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States. Sec. 802. [42 U.S.C. 3602] Definitions [...]
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Title Insurance

* Why do you need title insurance? Title insurance plays a major role in making certain that your home ownership is free and clear of any rights or claims of prior owners. It is possible for other prior owners to hold a legitimate claim against your home. Problems with the title can limit your use [...]
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Re-finance A VA Loan

IRRRL Facts for Veterans IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “Streamline” or a “VA to VA.” Except when refinancing an existing VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate. When refinancing from an existing VA [...]
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VA Mortgage: Pre-Loan Frequently Asked Questions

General questions about VA loans that may arise BEFORE you get one Q: What is a VA Guaranteed Home Loan? A: VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. [...]
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