26 February, 2010

Virginia Tech Black X Base Pub Table with 2 Double Rung Bar Stools is the perfect addition to any home bar, sports bar, or any college campus. Features: Made from commercial quality heavy gauge tubular steel with life-time warranty on swivel Durable foam top with quality reverse screen print on underside of vinyl top so logo will never wear off, fade, chip or peel Black high-grade vinyl side band adds contrasting color for a beautiful look 40″ height pub table commercial grade and has adjustable footers for stability Laminated top protects your logo table from normal wear and no fingerprints for easy cleaning Finish: Black Table / Chrome Stools Dimensions: Table Diameter: 24″ Bar Stool Seat Height: 30″ Bar Stool Seat Width: 14″ Bar Stool Seat Thickness: 4″ Bar Stool Base Width: 21
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25 February, 2010

Get ready to race! This Wildcat Pedal Car goes as fast as your little driver can pedal, and the shifter lets you coast downhill. The dual wheel handbrake slows down the action. Inspired by our 1st pedal car from almost 50 years ago, this remains an exciting way to play & burn off energy. No need to waste electricity waiting for the car to charge…its always ready for the neighborhood track. Set up a course at the local playground and watch the kids line up to test their driving skills. Adjustable 3 position seat fits kids ages 3-6, up to 65 lbs.Throughout the world Kettler is a leading brand in leisure furniture, sports and fitness equipment, table tennis tables, bicycles, and children’s outdoor toys. Since 1949, the company has grown from a small enterprise in Heinz Kettler’s home town of Ense-Parsit in Germany into a world-wide manufacturing and marketing organization. Selling in 60 countries and employing over 2000 people. Heinz Kettler has always remained true to the “Made in Germany” quality principle and it is still the central pillar of the company’s management philosophy. This means that even after fifty years of trading all over the world, most of the factories, and particularly the most important ones, are still in Germany. The Kettler group, with all its international factories, offices and sales companies, is organized and administered from the head office in Ense-Parsit. Committed employees develop and produce Kettler’s innovative and high quality products for people who want to stay fit or simply relax and enjoy their leisure time. In 2001 Kettler USA celebrated their 20th year in the United States. Kettler USA has wide distribution in the U.S., South America, Central America and Canada. As well as a retail showroom in Virginia Beach, VA.
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25 February, 2010

Virginia Tech Jr. Nostalgic Chest cooler. Clearly one of the most popular coolers ever introduced was the Westinghouse Junior ice chest cooler. Now available with your favorite college team logo! Produced from the mid 1930’s through the mid 1940’s, the Junior cooler was a common fixture in variety stores throughout the United States This brand new (not refurbished) high quality fiberglass replica is sure to add a nostalgic touch to your home. Features: The Junior is one of the smallest floor models used by Coca-Cola Its compact size makes it a favorite choice for kitchens, patios, game rooms, tailgating and patios A convenient drain is located within the cooler for easy removal of water Also includes: heavy duty casters, stainless steel lid & cap catcher, insulated tub, chrome handle & spigot Ships fully assembled, Made in the USA Finish: School Colors Dimensions: 25″H x 35″W x 17″D
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22 February, 2010
I looked at the house with the first Realtor - and some weeks later I went and saw it again with a second realtor.
No… They can pretty much show you a million houses and you are NOT obligated to buy!! lol.. Sorry to sound so HARSH but that’s just the way the cookie crumbles! ☻
17 February, 2010

Tyrol is ideal for casual, elegant in-home dining. The glass stands on a solid half sphere which offers an amazing light reflection. The low height allows the glass to be enjoyed daily because of easy dishwashing. The line consists of 10 different sizes and each bowl is developed for the enjoyment of popular grape varieties and soft drinks. Tyrol is executed in lead crystal which gives to the solid base a never ending sparkle and great stability. The name Tyrol commemorates Riedel’s new start 50 years ago in Austria in the federal State of Tyrol. Item Number: 405/17 Height: 73 mm, 2 7/8 in. Capacity: 230 ccm, 8 oz.
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16 February, 2010

The Precise Tamp system allows you to be your own barista at home by ensuring fail-proof tamping whether you prefer a lighter or stronger espresso. Simply fill the universal filter holder and turn until it locks in place to tamp evenly to the precise level required for optimum extraction. The Precise Tamp’s lightweight powerful thermoblock system preheats in half the time and needs less frequent descaling. The no mess cake ejection system makes clean-up simple, and the newly designed nozzle locks in place and is easier to maintain so you can make delicious latte and cappuccino with ease.
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16 February, 2010

Riedel Tyrol Syrah Set of 2 Tyrol is ideal for casual, elegant in-home dining. The glass stands on a solid half sphere which offers an amazing light reflection. The low height allows the glass to be enjoyed daily because of easy dishwashing. The line consists of 10 different sizes and each bowl is developed for the enjoyment of popular grape varieties and soft drinks. Tyrol is executed in lead crystal which gives to the solid base a never ending sparkle and great stability. The name Tyrol commemorates Riedel’s new start 50 years ago in Austria in the federal State of Tyrol. Item Number: 405/30 Height: 165 mm, 6 1/2 in. Capacity: 690 ccm, 24-1/4 oz.
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16 February, 2010
None. Foreclosed homes are owned by the banks/lenders. These properties costs them money each day they are on their books. Lenders are in business to make money, not lose money. And there is no emotion in their doing business. All foreclosed homes are listed with Realtors at some point deemed necessary by the lender. If you would like to buy a foreclosure, you’ll need to be pre qualified first, then find a Realtor knowledgable and experienced in handling these types of transactions.
16 February, 2010
A real estate short sales situation in northern Virginia. A house is listed on MLS as a short sale for much, much less than market value, even for a short sale. Within a few hours, the house is under contract (no kickout) and delisted from MLS. The listing agent doesn’t return phone calls or emails.
Any guesses as to what the story is here? Is this an emergency measure to forestall a foreclosure, perhaps?
it could be a number of things, but even if someone has made an offer, short sales can take months to get the final approval and actually close. regardless, the agent is under no obligation to return calls. if you have an agent, i’d suggest you have them give the listing agent a call, sometimes they’re more liable to return a call to another agent.
again, if it’s listed for a lot less than market value, even for a short sale, could be that the listing price was a typo and/or, at least in CA, seems that a lot of investors are paying cash and the listing agents have absolutely no interest in someone who will be getting a loan through a bank when they have an all cash sale.
16 February, 2010
I purchased my home 3 years ago in central Virginia for 216,000. We chose a (Combo Loan?) 1st and 2nd mortgage. Our 1st mortgage is for 75% of the loan (162,000) and at a rate of 6.125%, our 2nd mortage is for 25% of the loan (54,000) and at the rate of 8.875%. After living here for 3 years we currently owe about 209,000. I have made every payment on time, and have not paid any principal, just the house payment. I recently got a real estate assesment from my county saying the property/house is worth $166,600. We have tried to refinance but nobody will because we are so upside down in this mortgage. - Im good for the money, i just want a lower rate!!!!!! - It really makes me made that another young couple moved into a house across from us that was 1000 SF bigger than ours , 16,000 dollars less than ours, got a 8000 tax credit and a interest rate of 5%.
I guess my worry is that if i stay here and keep paying on this house, if in 5 years i go to put it up for sale what if i can only get what i paid for this place, or perhaps less? Ive also put at least $10,000 in this house in the last 3 years. New kitchen floor, landscaping, interior paint, all light fixtures upgraded and the list goes on. Im not sure what to do, would it be better to toss the keys to the bank and walk or just keep paying and "hope" the house will go back up in value.
Thank you both for your answers, im not having a hard time making my payments. In the end i doubt i will walk away from the house, but im doing some reading up on the idea and all.
I work in the mortgage industry. If you just walk away, not only do you ruin your credit, but the bank can slap a deficiency judgment against you for the difference between the the loan balance what what they net selling the house. That is they can garnish your wages. Banks are doing this especially against people that can afford to pay. If you decide that this is what you want to do, talk to a lawyer.
You do have another option, you can request the bank to allow a short sale. This is where you sell the house for less than the loan balance. This is still a hit on your credit report, but not as bad. However you have to request a release so the bank will not hit you with a deficiency judgment. Again seek legal advice.
However you do have one more option. Call the bank and ask for a loan modification. You have one thing going for you, if you are current you have a performing loan. Your bank may find it better to keep you by lowering your interest rate a bit than take a potential loss of $60,000 on foreclosing on the house.
Give your bank a call. Discuss with them. You may be surprised at what they will do.