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Clinton rape accuser Juanita Broaddrick explains why she supported TrumpA woman who accuses former President Bill Clinton of raping her during his 1978 campaign for Arkansas governor spoke out on Monday about her support for President Donald Trump.


12/11/2017 2:02:00 PM

New York Bomber Sought An ISIS-Inspired Attack With Failed Device, Investigators SayNew York City police said they were investigating a possible explosion in New York City’s transit system near Eight Avenue and 42nd Street in the Times Square area of Manhattan on Monday.


12/11/2017 6:48:34 AM

Sandy Hook Promise releases new PSA about the response to school shootingsA new video called “Tomorrow’s News” imagines a local news item that reports, a day ahead of time, a mass shooting at a school. “Tomorrow I’ll probably say that I wish I told someone,” says one interviewee. The video was released by Sandy Hook Promise, which was founded by parents of the victims of the Newtown shooting.


12/11/2017 8:22:45 AM

California's Thomas Fire Now Ranks Among Largest In State HistoryThe Thomas Fire, one of five destructive blazes currently burning in California, now ranks as the tenth largest wildfire on record in the state.


12/10/2017 2:33:32 PM

France Awards Climate Scientists With 'Make Our Planet Great Again' GrantsEighteen climate scientists from the U.S. and elsewhere hit the jackpot Monday as French President Emmanuel Macron awarded them millions of euros in grants to relocate to France for the rest of Donald Trump’s presidential term.


12/11/2017 6:56:58 PM

Famous China rooftopper 'confirmed dead' after fall from skyscraper A famous Chinese ‘rooftopper’ fell to his death from a skyscraper in a daring £11,000 challenge as he sought to use his fame to help lift his family out of poverty, media reported. Wu Yongning, aged 26, fell from the summit of the 62-storey Huayuan Hua Centre in the central city of Changsha, apparently as he attempted to scoop 100,000 yuan (£11,200) for a clip promoting an unnamed sponsor, reports say. The former movie stuntman had one million followers on the Chinese Internet and was well known for fearlessly scaling towering skyscrapers without any safety equipment. More than 300 videos of him tip-toeing on scaffolding or doing pull-ups as he hung from the side of huge buildings were widely shared by his fans. However, his account on Sina Weibo, China’s version of Twitter, went silent around a month ago after he purportedly attempted the Changsha skyscraper. The former movie stuntman had one million followers on the Chinese Internet and was well known for fearlessly scaling towering skyscrapers without any safety equipment And last Friday his girlfriend wrote online: "Today is December 8th. It makes me think of November 8th, the day you left us and left this world.” The Changsha Evening News said Mr Wu was seeking to make money for his poverty-striken family and pay medical costs for his mother, who suffers from a mental condition. Local officials said authorities would support his family following the accident.  Police confirmed that Mr Wu died when he fell from the Huayuan Hua Centre on November 8, reports said. His family were quoted in a news portal run by Beijing News that he was due to receive a huge cash payout for a two minute clip on a Changsha skyscraper on the same date. Additional reporting by Christine Wei


12/11/2017 6:27:37 AM

Rutgers professor accused of anti-Semitism removed from roleNEW BRUNSWICK, N.J. (AP) — Rutgers University removed a professor accused of posting anti-Semitic statements on Facebook from his position as a director at the New Jersey school.


12/11/2017 9:15:13 AM

Chef Mario Batali Takes Leave After 4 Women Accuse Him Of Sexual MisconductFour women have accused Mario Batali of sexual misconduct over the past two decades, according to a report Eater published Monday.


12/11/2017 10:00:07 AM

Kelsey Grammer says he forgives sister’s rapist and killer but he does not deserve freedomKelsey Grammer has spoken about his grief following his sister’s murder in 1975. Speaking on BBC Radio 4’s Desert Island Discs, the Frasier actor said he has forgiven the man who sexually assaulted and killed his sister. Karen Grammer was abducted, raped and murdered at the age of 18 by Freddie Glenn and accomplice Michael Corbett on 1 July 1975.


12/10/2017 9:00:00 AM

Trump slammed for throwing insults at the media in the wake of attempted terror attack in NYCPresident Donald Trump is receiving backlash for attacking the "failing" New York Times shortly after being briefed on an attempted terror attack in New York City Monday. ".@POTUS has been briefed on the explosion in New York City," White House press secretary Sarah Huckabee Sanders announced on Twitter at 8:13 a.m.


12/11/2017 11:47:53 AM

Thinking About Buying Your First Home?


Thinking about purchasing a home of your own? Keep these critical considerations in mind:

How long you plan to live in the home.
If you purchase a home and get a job transfer or decide to move after only a short time, you may end up paying money in order to sell it. The value of your home may not have appreciated enough to cover the costs that you paid to buy the home and the costs that it would take you to sell your home.

HappyPeople03.jpgThe length of time that it will take to cover those costs depends on various economic factors in the area of the home. Most parts of the country have an average of 5% appreciation per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. If the area you buy your home in experiences an economic up turn, the length of the time to cover these costs could be shortened, and the opposite is also true.

How long the home will meet your needs.
What features do you require in a home to satisfy your lifestyle now? Five years from now? Depending on how long you plan to stay in your home, you'll need to ensure that the home has the amenities that you'll need. For example, a two-bedroom dwelling may be perfect for a young couple with no children. However, if they start a family, they could quickly outgrow the space. Therefore, they should consider a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come.

Your financial health - your credit and home affordability.
Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, solid lenders are more skeptical if your credit history is not good. Generally, a couple of blemishes on a credit report will make you a good credit risk and could qualify you for the lowest interest rates. If you have more than a couple of blemishes on your report, lenders like Quicken Loans may still provide you with a loan, but you may just have to pay a higher interest rate and fees.

Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. This is a decision only you can make. Are you in a position where you expect to make more money soon? Would you rather be conservative and fairly certain that you can make your payment without stretching financially? Make sure that whatever you do, it's within your comfort zone.

To determine how much home you can afford, talk to a lender or go online and use a "home affordability" calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential and other factors, lenders can push the ratios up to 40-60% or higher. While we're not advocating you purchase a home utilizing the higher ratios, its important for you to know your options.

Where the money for the transaction will come from.
Typically homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk to a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender.

The ongoing costs of home ownership.
Maintenance, improvements, taxes and insurance are all costs that are added to a monthly house payment. If you buy a condominium, townhouse or in certain communities, a monthly homeowner's association fee might be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your realtor and your lender aware of your desire to limit these costs.

If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

5 Things Everyone Needs to Know Before Purchasing Their First Home
You’re going to buy a home. You’re going to invest in your future (instead of investing in your landlord’s future!). You’re going to own a little piece of your city and have a place to truly call your own.
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Tom Jeser (915)-525-8812 Email Tom