Club Chaos Agents - All Things Hollish, Wacked, and Jacked

Life With Wee People: Do not feed the alligators... it's a felony...

Only a New Yorker would spend the entire time on a gorgeous nature walk in a fabulous sanctuary contemplating the stupidity of people feeding the alligators (LOL). I was completely distracted for two miles imagining all sorts of Saturday Night Live scenarios... Needless to say, the cartoons in my head had a field day with this. :-)

Knowing there were critters anticipating a possible meal kept my fight or flight switch flipped the entire time we were wondering about without a map. Ironically, it also resulted in my taking 181 photographs and film clips as I habitually zoomed in to scope out creepy sounds and interesting bends in the path. Every time something surfaced in the water I was capturing that puppy whether it be a black garbage bag, a bunch of turtles or an unidentified floating object...

I shall confess to making my children run away on a whim a few times I didn't like the sound of something while traveling down a narrow path. It was fun and slightly creepy so my hair standing up on the back of my neck mantra to the kids became, "Creepy sound, creepy sound, go-go-go! Run, run, run! Stay with Daddy!" Mike, bless his soul, would never question me. He'd start jogging, the kids would start runing and I would bring up the rear ready to stomp the crap out of anything that came near them. If Stephen was too slow, Mikey would give him a ride, which caused Stephen to want to run all the time (LOL).

If you take stress or heart medication, go sit yourself down on a scenic pier and enjoy a tranquil sunset. No hiking there for you sweetie pie. It is really quiet and we saw very few people. Once you start down the winding paths you have to finish your journey because if you try to back track after going too far in you may get lost. The directional signs are spaced out. We got lost near the exit sign and discovered a lovely picnic spot we wish we would have known about before we started (LOL).

Stay on the marked path. The marked path is your friend... There are unmarked paths there. True to form, the wee people kept wanting to go off the path to explore the jungle. Seems the paths without the signs were always more interesting to them.

Here is as sneak peek of the type of eye candy to come. I shall YouTube that puppy for you tomorrow so you can take a tour of Turkey Creek to see if you'd like to hike there. It's gorgeous and a wee bit creepy... :-)

Life With Wee People - Indian River

The little minions go beach hopping up and down the Indian River to collect some Club Chaos Eye Candy. Noah and Stephen begin their day at Sebastian Inlet and watch the sunset at Melbourne Beach. They make 5 random stops in between where ever they spot a public beach access sign. My kids are really getting into the "lets take a ride" game (LOL). Mapping recreational places is a lot of fun when you let the wee people play TomTom.

Are you ready for some Florida eye candy? We have a lot more coming. The shorties love parks and I have to keep them on their after school schedule even though we are on vacation. Their routine means a lot to them and I usually have mad fun exploring communities with them in New York. No point not doing it while we are here. :-) 

Cloud Watching... and other neat things to do in Florida...

The National Weather Service is a mandatory digital stop if you are running amok during hurricane season. Actually, it's mad useful no matter what you are doing (LOL).

http://www.myflorida.com is the official portal for the State of Florida. We are clicking all sorts of links looking for places to go, things to do, government officials to bug with our New York questions (like how to get a FL gun/hunting permit and fingerprinted for a FL real estate license - LOL).

If you want to go to the Brevard Zoo where we filmed Stingray and ZooTrain click this link:

http://www.brevardzoo.org/

Since I'm learning the state while vacationing with the wee people I thought I'd pass along a few other useful links...

"Merritt Island National Wildlife Refuge was established in 1963 as an overlay of NASA’s John F. Kennedy Space Center. Consisting of 140,000 acres, the Refuge provides a wide variety of habitats: coastal dunes, saltwater estuaries and marshes, freshwater impoundments, scrub, pine flatwoods, and hardwood hammocks provide habitat for more than 1,500 species of plants and animals." http://www.fws.gov/merrittisland/

Brevard Art Museum "is a gathering place, a visitor attraction, a landmark, an anchor, a catalyst for change; we exist to educate and to deliver a message that will encourage people to think differently about their relationship to others and the world; a center of creativity, the Museum collects, displays and interprets all aspects of the visual arts, particularly women artists, in ways that relate to the past, to the present, and to the future. The Brevard Art Museum is a community cultural bridge." http://www.brevardartmuseum.org/

"Join Captain Rick's personalized, interpretive eco-tour as you look for alligators, native and migratory birds, and other Florida wild life on the St. Johns River. Climb aboard “Grasshopper”, a state-of-the-art air-boat, custom built for a comfortable and safe Florida air-boat ride, promising you an educational and fun wildlife experience. Captain Rick (friends in the know call Captain Rick the Florida Authority). A lifelong Floridian and fully licensed and insured U.S. Coast Guard Master, will narrate your exciting 90 minute air-boat eco-tour. You will enjoy optimum wildlife viewing being seated in elevated, cushioned seats." http://www.airboatecotours.com/

Did I mention we are having a lot of fun in The Sunshine State? Working on some more eye candy for ya while we figure out where to go and what to do next...

The kids have got to take their showers... Aunt Mona is coming over to take the shorties to the pool, which means I can create some more music between cloud watching and observing them work on their tans (LOL). ;-)

Free E-books by Project Gutenberg

Wanna read the classics? Here's a good spot to poke around and re-discover titles you may not have touched since grade school (LOL):  http://www.gutenberg.org/wiki/Main_Page

While I wander off to get comfy to create a new YouTube to share some wonderful ocean views, go peek at their top downloads and see if there's something worth your while to bring you some recreational reading pleasure.

I lost my copy of The Art of War during college and am looking forward to getting reacquainted with the text.

How To Analyze People On Sight is ripe for a Wordy C spoof. My five senses are a wee bit quirky but I am game for the social experiment to discover if the advice is sound (LOL). I bet there's a real estate book in there somewhere... Let me know if you find a title. ;-)

Passing on information from one of my programmers at Designed 2 impress, Inc.

“Now a days more web sites are getting infected with malicious code and, hackers injecting the malware code, which puts your website and whole business onto risk.
We use lots of free tools, browser add-ons, widgets and third party content, these code are back doors for such codes.  Here are few tips to understand the cause and prevention:

* What are malicious iframes and what causes them?

Over the years hackers found it hard to trick people into visiting suspicious sites so they’re now targeting legit sites and using them to infect unknowing customers. In most cases an FTP account’s password is obtained through key logging malware, then legit website files are modified to distribute the malware and gather more passwords. If your PC has been infected with one of these trojans, your bank account, email accounts, and FTP accounts may no longer be secure.

* What to do if you find malicious iframes.

1. Use the following online vulnerability scanner and ensure your software is up-to-date: http://secunia.com/vulnerability_scanning/online/?task=load
2. Download antivirus and fully scan your PC for malcious files. Here are some free online scanners:
http://housecall.trendmicro.com/
http://www.bitdefender.com/scan8/ie.html
http://www.kaspersky.com/virusscanner
http://support.f-secure.com/enu/home/ols.shtml
3. Update all passwords that may have been obtained. Do not use old passwords, generate new ones.
4. Upload older versions of the files or contact support for assistance removing the malicious iframes.

* Prevention

- Ensure you use the latest browser version
- Disable javascript
- Use the firefox addon noscript
- Download and install some free antivirus software, make sure it stays updated
- Use http://www.avg.com.au/index.cfm?section=avg&action=onlinescan to test suspicious links you are given in emails or find online.

To delist your website from this block you need to contact Google. This excerpt was copied from the URL below, and provides step by step instructions to request a delisting.

http://www.google.com/support/webmasters/bin/answer.py?answer=45432

Once you have reviewed your site and are sure it is clean, you can can submit a request for review. Note that you’ll need to verify site ownership before you can request a site review.

1. Sign in to Webmaster Tools with your Google account.
2. On the Dashboard, select the site you want.
3. On the Overview page, click Request a review and follow the instructions.

I’m sure this will help.

If you're visual like I am, this will do it for you!

What are your thoughts?  Would you agree and love it too?

In the ever changing world of mortgages, you really need to stay on top of what is going on. So many think it's simple when pre-qualifying a borrower. But if you don't ask the right questions upfront and get very detailed, even the cleanest of deals could crash and burn.

So what is a 4506-t and what is its importance in the mortgage process?  Basically it's a form used by lenders that allows them to request a transcript copy of your tax returns from the IRS.  In the past, this form most times was used for those that were self-employed or to keep fraud in check. If a lender suspected something funny regarding your income, they could send this form to the IRS.

Your income is being examined very closely now by most lenders. No matter if you are self-employed or the lender/investor thinks there might be fraud involved, 4506-t's are being pulled on all borrowers. Now, I have heard some lenders brag that they aren't doing this, but is that true?  I don't know, but I can tell you this, all the lenders that I know are doing this.

So I am a loan officer who pre-qualifies a borrower, asking them their current income situation. The primary borrower has a full time job at their current job of 8 years and makes a salary of $85,000 a year. Hey, it sounds cut and dry, right?   Wrong !!! The borrower also has a side job in which she has been collecting and selling antiques for 3+ years. She even files taxes on this legally. Okay, so what's wrong?  Well, she shows a loss on her tax returns. On a salary borrower, in most cases, we just have to collect W-2 forms for 2 years on FHA loans. Some lenders require the borrowers full tax returns no matter what.  But what happens if your lender doesn't require this? Hence the reason now for the 4506t. When we get the transcript back from the IRS, it will list what she grossed on her primary job and show any other types of incomes, no matter if she showed a profit or a loss.  In this case, the borrower showed a major loss, which had to be counted towards her income. And just because of this, it killed the deal because her qualifying ratios went through the roof.

Summary : No matter what the loan officer asks you, especially when it comes to your income, give them every bit of information for the last 2 years.  If the loan officer tells you that they don't need your other sources of income, especially if it's showing a loss, just pick up and leave.  Find a new lender. The 4506-t is extremely important and could be the difference of you moving into your house or not. And this doesn't matter if you are applying for a FHA loan, a USDA loan, a VA loan, or a conventional loan. It all comes down to the lender or the investor buying the loan.

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For more information on FHA loans, please go to this link. The FHA Expert

For important mortgage insight to watch for, please read : Consumers need to be aware of these Red Flags!

For information about FHA myths & FHA rumors, please read : FHA Myths & Rumors

Copyright © 2010 by Jeff Belonger of Infinity Home Mortgage Company, Inc

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Life With Wee People: Minion Landscaping 101

I was tweeting with my gal pal Chris Elizabeth Griffith ( http://lifeinbonitasprings.com )and spoofing with my kids during a recording session when I promised her that I'd post pics of the shorties landscaping contribution to our yard. They are very helpful little buggers. You can get a lot out of them for some M&Ms. Even more out of me for the right pint of Hagen Daz (LOL).  

We plan to go bird and butterfly hunting with our Nikons later today. Will let you know how that turned out during our vacation. ;-)