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Areas served: Great Malvern, Hay-on-wye, Hereford, and 7 others.
Areas served: Alcester, Belbroughton, Bromsgrove, and 11 others.
Areas served: Birmingham, Redditch, West Midlands, and 1 other.
Areas served: Bromsgrove, Great Malvern, Hay-on-wye, and 2 others.
Areas served: Alcester, Bromsgrove, Droitwich Spa, and 6 others.
Areas served: Hereford, Leominster, Ludlow, and 4 others.
Areas served: Alcester, Bidford-on-avon, Birmingham, and 7 others.
Areas served: Gloucestershire, Hereford, Ross-on-wye, and 2 others.
Areas served: Bromyard, Great Malvern, Hereford, and 2 others.
Areas served: Bromyard, Gloucestershire, Hereford, and 8 others.
Areas served: Alcester, Bidford-on-avon, Bourton-on-the-water, and 10 others.
Areas served: Brierley Hill, Bromyard, Hereford, and 2 others.
Areas served: Alcester, Belbroughton, Bewdley, and 33 others.
Areas served: Birmingham, Stourbridge, West Midlands.
Areas served: Broadway, Bromsgrove, Bromyard, and 20 others.
Refinance After Bankruptcy and Late Payments?
Dear Brenda, I wish I could give you a purely optimistic opinion; one that you would want to hear. Unfortunately, you face a few big obstacles that will make refinancing difficult.
You are definitely eligible to apply for a refinance. Your bankruptcy case is closed, and you may have re-established some credit by now. Future lenders will want to see that you re-established some sort of credit post-bankruptcy. And while your credit score is important, post-filing good credit behavior can sometimes ...
There are two major obstacles you face: post-bankruptcy mortgage payments and home equity. Let's take a look at each.
Lenders are going to be less-than-impressed with your post-bankruptcy late mortgage payments. To want to refinance, they need to see the applicant's stabilized financial situation since the bankruptcy ended. Late payments do not show stability.
In general, lenders want to see that you are current on your mortgage post-bankruptcy discharge and have no late payments for 12 consecutive months. Not just 12 mortgage payments, but 12 consecutive, on-time payments made by the due date or within the 15-day grace period. This shows financial stability and also better ...
A new lender will not be willing to take on the debt when the house is significantly upside down. When you owe more than the property is worth, you are a very serious risk. That is because the lender knows that people are more likely to walk away from their home when no equity exists.
Since your current lender is already hoping you make your payment each month, a future lender is not going to take on that uncertainty unless you have quite a bit of equity in the house. I would say that anything less than a 40% equity cushion would be enough to disqualify you.
If you have late payments and little or no equity cushion, a loan application denial is highly likely.
You should pull your credit, see your current scores and then contact a mortgage professional in your area. That professional could review your credit scores, equity position and payment history all at once. He or she could tell you rather quickly that while you may not qualify now for a loan, there are things you can ...
DENVER — Broncos safety Brian Dawkins took to Twitter to announce his retirement Monday morning after playing in the NFL for 16 years.
Dawkins played for the Broncos for the past three seasons after spending 13 years in Philadelphia with the Eagles.
Executive Vice President of Football Operations John Elway also took to Twitter to responded to Dawkins announcement.
Dawkins was a member of the all-decade team for the 2000s and was voted to play in 9 pro bowls.
Wearing a red cheerleader's uniform and a bow in her hair, a petite girl stood in front of a crowd in a packed auditorium Monday night and said she had been called a lesbian and told to kill herself.
Other students at West Chester East High School spoke of being called the "n"-word, "Dirty Mexicans," and "cracker." A few said they were told they would be killed at school Monday. One said her sister, an eighth-grader, also was threatened.
The students said those messages came on an Instagram page called "East Shade Room," where pictures of several students at West Chester East High School were posted, along with the Instagram labels of three students in particular and the comment: "If you guys come to school tomorrow, you will die."
One posting on the page said "I feel bad for y'all. Because y'all think it's a joke. Each and everyone on sic those n--rs will be killed tomorrow."
Some students who were targeted spoke to concerned parents and area residents Monday night at a community meeting at Charles A. Melton Arts and Education Center in West Chester.
West Goshen Township Police said earlier Monday that they had a suspect in custody in connection with the threats and would announce an arrest soon, according to a police officer.
West Chester Area School District Superintendent Jim Scanlon also confirmed that police had a suspect in custody, saying "police have identified the person responsible." But neither police nor Scanlon would say if the suspect is a student at the school.
At the meeting, students said they were scared, disgusted, and disappointed in their school administration for not being more concerned.
West Chester East Principal Kevin Fagan posted a letter to parents on the school's web site Monday that read in part: "As soon as we heard about this, we worked closely with authorities and our technology department to investigate."
"Our police departments believe our school is as safe for students and staff, but out of an abundance of caution, extra police will be patrolling our campus today."
The students said a group of them went to the main office of the school Monday morning with messages from the page. But they said administrators "brushed off" their concerns.
"To us, it's a big deal," one student said. "We're being threatened for our life."
Scanlon said that around the time of the anniversary of the Sept. 11, 2001 attacks, schools are often targeted by threats.
He said that perhaps the person in custody, or whoever was responsible, thought he was making a joke.
"But of course it was not funny," he said.
Some parents at the meeting were concerned that they did not receive phone calls from the school regarding the threats.
William Washington, the parent of one of the children whose photo appears on the page contended that police knew about the threat at 10 p.m. Sunday but didn't call the West Chester Area School District superintendent until after 6 a.m. Monday.
Washington said he learned of threat from other parents. He said that he and other parents, including parents of students who were not named in the threats, took their children out of school early Monday.
"I went to pick him up at 8 a.m. this morning," Washington said. He said his son, a 16-year-old junior, "didn't make it past first period."
He said he was upset because students and police who knew about the threat, including his son, didn't tell him about it.
"He didn't bring it to my attention because he thought it was a joke," Washington said. "The problem is with this social media, the kids think this is all fun and games until somebody gets hurt."
At the meeting, several frustrated parents turned to the children and asked why they hadn't alerted them.
"You've got to forget that 'no snitching' crap," school district parent Joan Harrison told the students.
The parent of a targeted child stood up and echoed that sentiment. "Not one of you kids doesn't matter to someone in this life," she said.
Dayna Spence, a parent who organized the meeting, said she believed the students didn't tell their parents because they were accustomed to that type of hateful rhetoric.
Michelle Ridgeway, a 1989 graduate of West Chester East who said she heard the same type of language when she was a student. She doesn't have a child at the school now because she insisted her daughter attend another school in the district, she said.
"I would not send my daughter of color there," Ridgeway said.
She asked the parents to protest by not sending their students to school until the administration apologizes and takes action to implement their zero-tolerance policy toward bullying.
Hester Davenport, a community member who works in security at West Chester Henderson High School, respectfully disagreed, saying that would only hurt the students.
"You can't show fear," Davenport said, "or they'll think they've won."
Spence and others who packed the crowded auditorium said they were disappointed that no school administrators or public officials were at the meeting.
She called for volunteers to work with her in creating an action plan to address the climate at the school. She said perhaps they could bring it to an upcoming school board meeting, which many in the room vowed to attend.
The West Chester Area School District is one of the state's larger districts, with about 12,000 students. About 1,300 attend East East High School, one of three in the district.
According to the district's web site, the student population is about 79.1 percent Caucasian, 7.7 percent Asian, 6.5 percent Hispanic, 5.3 percent African-American, and 1.4 percent Multiracial.
"We discuss racial issues all the time," Scanlon said. "We try to build a very positive culture. We want our kids to be open to talk to adults in our school about anything they hear."
Some of the Oakland fire survivors broke bread with Derick Ion Almena for the first time since the tragedy -- despite him getting blasted for alleged dangerous conditions in the building.
Witnesses tell us the group sat down at a Denny's in Oakland Wednesday night, had a meal ... then went to the Red Cross to pick up some clothes. We're told the entire meal was comped by the Denny's staff.
Our sources tell us ... the people gathered around Almena were residents of the commune who got out of the building the night of the inferno that killed at least 36 people.
The woman next to him is his wife, Micah, who was staying at a hotel the night of the fire.
Consumer electronics giant Samsung is taking on Android and Apple’s iOS with the launch of its Samsung Z, the first smartphone to come with the Tizen operating system.
Samsung phones currently use Android, but the South Korean company has been working with chipmaker Intel to develop Tizen as an alternative OS.
“Samsung is committed to enhancing the mobile experience of consumers with innovation that is both personal and unique to their needs,” said DJ Lee, Samsung’s president of mobile communications.
The company said that the Samsung Z will be on show at the Tizen Developer Conference in San Francisco this week, and it will launch the phone in Russia in the third quarter of 2014.
The Z comes with a 4.9-inch HD Super AMOLED display and a 2.3 GHz quad-core processor, an 8-megapixel rear-facing camera and a 2.1-megapixel front-facing camera, and includes a fingerprint sensor.
The Samsung Z is not the company’s first device to run Tizen – the latest version of its smartwatch, Galaxy Gear 2, uses the OS, unlike its Android-powered predecessor.
Gov. Brian Sandoval on Wednesday signed legislation pumping $2 million into the program that allows high school students to take college courses for credit.
SB19 also mandates all Nevada high schools offer the dual enrollment program.
“We are bringing some incredible companies here,” said Sandoval, pointing to Tesla and Panasonic.
He said those companies need workers who can fill those high-tech jobs.
“We need to be able to train people for those positions, some of them that haven’t been invented yet,” he told an audience of about 100 students, professors and others at Western Nevada College.
Dual enrollment was the idea of Churchill County schools Superintendent Sandra Sheldon. Carson, Churchill, Storey and a number of other districts in the state have been operating the program for three years.
Sandoval said SB19 mandates the program and provides grant funding that school districts can apply for to help expand the program, including to students who can’t afford the college classes they’re eligible to take.
“We just have to convince these students that, instead of going straight into the workforce, to take a little detour,” he said.
WNC Dean of Student Services John Kinkella said last week, WNC graduated 551 students, 89 of them high school students from around the area who received their associate’s degree from the college at the same time they received their high school diplomas.
Kinkella said there are now some 450 high school students in the program. With the signing of SB19, he said he expects that $2 million in funding to be spent pretty quickly.
The governor also signed SB241 into law at the ceremony. That bill creates a new diploma for high school students who take and master science, technology, engineering and mathematics classes. That accomplishment will now be on their diplomas.
Address: 802 S. Clay St.
“Shirley Mae, guess what? It’s Linda’s birthday!” Dee, our server and Shirley Mae’s amiable daughter, bellowed across the restaurant’s long and narrow dining room to the kitchen where her mother, the one-and-only Shirley Mae, tended to various pots, pans and cast iron skillets filled with Southern soul food classics.
Myself and the other diners occupying the mismatch of booths, tables and chairs at Shirley Mae’s Cafe were laughing as Dee cranked up the speakers, which were tuned to a variation of the birthday song, and proceeded to sing to Linda, just as one might if celebrating their birthday at home with family.
It is an experience befitting of Shirley Mae’s Cafe, a nearly 30-year-old institution located in Louisville’s Smoketown neighborhood. You may as well be in Shirley Mae’s family home. Personal touches add warmth to the relatively dark space, pictures of various family members decorating the bar area and spilling over in...
The more you look around, the more you see an eclectic homey feast for the eyes while you await your feast for the soul, prepared from scratch daily by Shirley Mae herself.
All of the Southern and soul food staples are on offer. The fried chicken ($5 a la carte/$11 with two sides) is a signature dish that has garnered Shirley Mae much attention over the years. There is an assortment of other menu items worthy of your attention, however, the smothered pork chop ($5 a la carte/$11 with two ...
Highly seasoned, the only side dish befitting of this meal were Shirley Mae’s "real" mashed potatoes ($2), which instantly reminded me of my Eastern Kentucky grandmother’s recipe — all salt and butter with a touch of potato. I also enjoyed an order of the fresh turnip greens with my dinner ($3), which were cooked down ...
The meatloaf was another tempting menu item ($4 a la carte/$10 with two sides); however, while the serving portion could feed a small family, I found the flavor to be one note and couldn’t detect any evidence of vegetables in the ground beef blend.
You may find it difficult not to order the ribs ($6 a la carte/$12 with two sides), as you can often smell them smoking on the grill adjacent to the entrance. The smoke came through nicely in the meat that just about fell off the bone and was bathed in a slightly spicy, slightly sweet tomato-based sauce.
My husband quickly claimed the fried tilapia for his lunch during a recent visit ($5 a la carte/$11 with two sides) and was very satisfied with his fried-to-order filet, coated with just enough cornmeal crust to add crunch to the edges while still allowing the flavor of the fish to shine through. His side of "real" col...
The only menu item perhaps more renowned than Shirley Mae’s fried chicken is her hot water cornbread ($1 for two pieces), a staple with any dinner order. These fried spheres of cornmeal mixed with hot water couldn’t be simpler or more addictive in both flavor and texture.
Six homemade desserts are on hand, ranging in price from $3 for banana pudding to $7 for the jam cake, which is densely packed with bits of nuts and fruits and comes to the table sitting in a pool of sugary sweet caramel glaze.
The interior of Shirley Mae’s may be well worn and the tables, chairs and booths could stand a bit of repair. But I wouldn’t want Shirley Mae’s to be shiny and new. The timeless, hospitable atmosphere of this restaurant comes naturally and is as genuine and authentic in essence as the food coming out of Shirley Mae’s k...
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