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Showing posts from 2009

Under the Sea

I went to watch this film, it was beatiful, interesting and fun!!! If you love your planet, and care about animals, this film will be the perfect one to see.
It is being shown at the California Science Center, next to USC in Los Angeles, California.

The critics LOVE Under the Sea 3D!

"A lovely excursion into another world, like a voyage to another planet; superbly filmed. Filmed for families of all ages.”

Jeffrey Lyons/NBC/Lyons & Bailes Reel Talk

“ Oceans of fun.”

New York Times

“A visual feast”

Bob Strauss/Los Angeles Daily News

Under The Sea 3D will transport moviegoers to some of the most exotic and isolated undersea locations on Earth, including Southern Australia, New Guinea and others in the Indo-Pacific region, allowing them to experience face-to-face encounters with some of the most mysterious and stunning creatures of the sea. It will offer a uniquely inspirational and entertaining way to explore the impact that global climate change has had on ocean wildernes…


With FHA Help, Easy Loans in Expensive Areas

by David Streitfeld

Friday, November 20, 2009

provided by THE NEW YORK TIMES

SAN FRANCISCO -- In January, Mike Rowland was so broke that he had to raid his retirement savings to move here from Boston.

A week ago, he and a couple of buddies bought a two-unit apartment building for nearly a million dollars. They had only a little cash to bring to the table but, with the federal government insuring the transaction, a large down payment was not necessary.

"It was kind of crazy we could get this big a loan," said Mr. Rowland, 27. "If a government official came out here, I would slap him a high-five."

In its efforts to prop up a shattered housing market, the government is greatly extending its traditional support of real estate, including guaranteeing the mortgages of middle-class and even upper-class buyers against default.

In 2007, the government did not insure a single mortgage in this city, one of the most expensive in the …

FAQs on the New Home Buyer Tax Credits -

I guess some people still have questions re: the IRS tax credit for 1st home buyers, so I found a great site which has a lot of financial savy, intelligent, and knowledgeable individuals. I hope after reading this from Kiplinger website, there are no more questions left unanswered.
FAQs on the New Home Buyer Tax Credits -

Posted using ShareThis

Credits: Kiplinger website

New Health Care Plan

I just can't believe all the nonsense of politicians! I was reading a report from Yahoo today re: this health care plan, it would only cover 2% of the population with the public plan. Unbelievable!!! It would cost a lot and would only benefit a few. I just dont get this nonsense. The only thing we are doing is putting more debt in tax payer's shoulders, burning all of our good workers and consumers by adding more deficit to our already weak economy. Can somebody stopped printing some much money????? I guess there are people out there who want the US to be bankrupt. It gets me really upset to see how people are being deceit.

The US is the best country in the world, there is no other country were people live better. Look around and see how many people in 3rd world countries live?  I just can believe how many people would give away what they have for just fantasies that somebody else comes up with.

Loteria de Visas 2011

Lotería de Visas 2011

Sorteo arranca el próximo 2 de octubre

Las solicitudes al sorteo se envían por internet. El gobierno estadounidense reiteró que el concurso es totalmente gratis.

El Departamento de Estado anunció el jueves la apertura del sorteo de la Lotería de Visas 2011. En un comunicado, la cancillería estadounidense detalló que la apertura de la ventana para la recepción de solicitudes vía internet inicia el mediodía del 2 de octubre y cierra el mediodía del 30 de noviembre.

Se estima que este año participarán entre 8 y 11 millones de concursantes que se disputarán las 55 mil residencias (green card o tarjetas verdes) que cada año se entregan por mandato del Congreso a extranjeros provenientes de países de baja admisión o bajo nivel de inmigración a Estados Unidos.

Fechas del sorteo

El gobierno estadounidense advirtió que para el sorteo 2011 regirán casi las mismas reglas que prevalecieron en el sorteo anterior.

Brasil, Colombia, El Salvador, Guatemala, Perú, México, Perú y …

Requesting Advance Parole before Traveling

USCIS Reminds Applicants for Adjustment of Status, Asylum, Legalization, and TPS Beneficiaries to Obtain Advance Parole Before Traveling Abroad

WASHINGTON – U.S. Citizenship and Immigration Services (USCIS) reminds individuals that they must obtain Advance Parole from USCIS before traveling abroad if they have:

• been granted Temporary Protected Status (TPS);

• a pending application for adjustment of status to lawful permanent resident;

• a pending application for relief under section 203 of the Nicaraguan Adjustment and Central American Relief Act (NACARA 203);

• a pending asylum application; or

• a pending application for legalization.

To obtain Advance Parole, individuals must file Form I-131, Application for Travel Document, which is available in the Related Links section of this page.

Advance Parole is permission to reenter the United States after traveling abroad. Advance Parole is an extraordinary measure used sparingly to allow an otherwise inadmissible individual to enter th…

U.S. Citizens and Surviving Spouses

USCIS Update: USCIS Issues Guidance for Surviving Spouses of U.S. Citizens Deferred Action Authorized for Certain Spouses and Children
WASHINGTON - U.S. Citizenship and Immigration Services (USCIS) today issued guidance on requesting deferred action for surviving spouses of U.S. citizens who died before the second anniversary of their marriage. Surviving spouses qualify for this temporary program if they were married to, but not legally separated from, their U.S. citizen spouse at the time of that spouse's death; did not remarry; and are currently residing in the United States.

Surviving spouses qualify for deferred action regardless of whether the U.S. citizen spouse filed a Form I-130 petition for them. Surviving spouses may ask to have their qualifying children included in their deferred action request. To be considered a "qualifying child" of a surviving spouse, the child must be younger than age 21 or otherwise qualify as a child when the deferred action request is su…

First Home Buyers Tax Credit

First-Time Homebuyer Credit Questions and Answers: Homes Purchased in 2009
Q. Is the IRS currently accepting e-filed returns that claim the new $8,000 homebuyer credit in/for the 2008 tax year?

A. Yes. Taxpayers can file Form 5405, First Time Homebuyer Credit, electronically for home purchases in 2008 to claim the first-time homebuyer credit. IRS began processing these returns electronically on March 30, 2009.

Q. I plan to build a home and occupy it in 2009. Can I claim the first-time homebuyer credit now and use the funds toward the down payment or other ongoing construction costs?

A. No. To qualify for the first time home buyer credit, the residence must be purchased. By statute, a residence which is constructed by the taxpayer is treated as purchased on the date the taxpayer first occupies the residence. (05/06/09)

Q. I bought my home in 2009 (early) and filed my 2008 tax return claiming the $7,500 first-time homebuyer credit that has to be repaid. Now the expanded law provides for…

Tax Preparer New Rules

Updated Rules for Tax Preparers (Updated 12/18/2008)
Taken from : IRS Website
New regulations under Internal Revenue Code Section 7216, Disclosure or Use of Tax Information by Preparers of Returns, become effective January 1, 2009. The new regulations update regulations that have been substantially unchanged since the 1970s, and give taxpayers greater control over their personal tax return information. The statute limits tax return preparers’ use and disclosure of information obtained during the return preparation process to activities directly related to the preparation of the return. The regulations describe how preparers, with the informed written consent of taxpayers, may use or disclose return information for other purposes. The regulations also describe specific and limited exceptions that allow a preparer to use or disclose return information without the consent of taxpayers.

Revenue Procedure 2008-35 supplements the regulations, in particular Treas. Reg. Section 301.7216-3, and…

Building a better relationship with your Mother

Book Title: The Mom Factor By: Dr. Henry Cloud and Dr. John Townsend
Our relationship with our mother affects our ability to trust and to love and receive love. The way that we experience security, freedom, healthy self esteem, and connection with God is strongly influenced by the kind of mothering we received.

We need honest friends who will confront us when we are not seeing reality

Our Response to Mothering:

If you had difficulties mothering, you may have built up defenses such as withdrawal, angry control, and compliance to resist the mothering process n general. Then, when mothering is available, you fail to respond. If you are serious about responding to mothering available to you, following are the tasks you will need to accomplish.

1) The first task is to come out of the world of your own head and experience. You must make contact with the outside world. Here is how you do this:

a) A support group

b) A professional therapy group

c) Individual counseling

d) A regular meeting w…

The Home Valuation Code of Conduct


The Home Valuation Code of Conduct (the Code) is the result of a joint agreement made in March 2008 between Freddie Mac, the Federal Housing Finance Agency (FHFA), and the New York State Attorney General to enhance the independence and accuracy of the appraisal process.

As part of this agreement, we held an open comment period from March 14 through April 30, 2008, to solicit comments on the Code from Sellers and other industry participants regarding operational challenges, clarification of terms, and unintended consequences of the Code. All feedback was provided to FHFA and the New York State Attorney General and was used to develop the revised Code.

The revised Code has been added to the Guide as Exhibit 31, Home Valuation Code of Conduct. The revised Code provides enhanced protections for homebuyers, mortgage investors, and the housing market.

Effective Dates

Effective May 1, 2009, Freddie Mac will no longer purchase mortgages from Sellers that do not adopt the Code with …

Real Estate Investment 101

Written by: Broderick Perkins

It could be a good time to invest in real estate, given the abundance of foreclosures and other distressed properties with reduced prices.

It could also be a bad time to invest in real estate, if you don't know what you are doing.

There's the rub.

It's a good time to invest, but it is difficult. Now when you go out to invest you are competing with a dozen offers. The investors are back.

Just like buying a home to live in, taking the real estate investment plunge requires taking stock of your financial goals, planning and lifestyle before taking the plunge.

Pretty much like buying any property.

If you've got the time, the money and the lifestyle that lends itself to managing a real estate investment, you are just about half way there.

However, both halves are pretty big halves.

The National Real Estate Investors Association says you've still got a lot of work to do. Here's how much.

Buy your own home first.
The general rul…

Major Campaign To Extend $8,000 Home Buyer Tax Credit Underway

By: Kenneth R. Harney

The House and Senate may have left Capitol Hill for their Summer break, but housing lobbyists are busy at work gearing up a major campaign to extend the $8,000 home buyer tax credit.

The credit for first-time purchasers is scheduled to expire November 30.

The National Association of Home Builders and the National Association of Realtors want to persuade Congress to nail down an extension of the credit, and maybe even broaden its coverage, as soon as possible.

The home builders are mounting an aggressive campaign during the congressional recess. The association is sending out local teams of members to meet with congressmen and senators in their home districts, urging not only a one year extension of the credit, but an expansion of the concept to cover all home buyers next year, not just first-timers.

Though the endorsement may, or may not, have been connected with the home builders' campaign, one of the most politically powerful Democrats has already sign…

Diversify Your Retirement by Adding Real Estate to Your IRA

By: Matthew R. Rasche

A lot of people are struggling with how to invest for their retirement. I have had clients come to me and say that their retirement fund has been set back 10 years. They don’t want to work an extra 5 years to re-fund their retirement and are looking for a better way of doing things. I often explain to them how they can use a portion of their retirement funds to invest directly into real estate and bypass Wall Street by using a self directed IRA.

The first concern my clients have is, "I checked with the company that services my IRA and they won’t let me buy real estate. I can only hold stocks, bonds and mutual funds." Most of your typical brokerages will not let you hold Real Estate. Real Estate is considered an "alternative asset" when it comes to retirement accounts. There is a special "Self Directed IRA" which is designed to hold alternative assets; primarily real estate. Not many brokerages offer these types of accounts because t…

U.S. Bankruptcy Judge's Ruling Could Change Foreclosure Laws Nationwide

Published on Friday, August 14, 2009, 3:08 PM Last Update: 3 day(s) ago by Kimbrough Gray

Category: All Articles » REO's and Foreclosures
Mortgage Electronic Registration System (MERS) has been used by lenders nationwide to track mortgages via the system's database. Lenders who are members of the program are represented in the enforcement of a promissory note secured by a mortgage. A U.S. Bankruptcy Judge in Nevada ruled earlier this year that MERS could no longer represent lenders foreclosing on homeowners in bankruptcy unless the actual loan document could be produced.

Typically, a mortgage note goes through several iterations of sale to different mortgage lenders, which makes it difficult to produce original loan documentation. When lenders begin foreclosing on homeowners in bankruptcy, the original note is often not available.

MERS is a program that was initiated by several lenders over 20 years ago to simplify the complicated mortgage process. The system is designed to …

How do you react to change?

Managing Your Mind
By: Gillian Butler, Ph. D and Tony Hope, M.D.
Recognizing that you can change
Different people respond to differently to pressures for change. I like this book because it gives so many examples on how to do things better, and become a better person for yourself, your family, and friends. The authors gave an example of five caricatures, which reflect specific patterns that people use when dealing with change, and/or conflict. They said, there are five caricatures which help us recognized certain elements about how we cope with change by developing a particular style of response. Each of these five styles has both advantages and disadvantages according to them. I am writing them down so you can analyze and see if you follow any of these patterns when reacting to change.
The five caricatures are:
1) The Sage - Is the person who seeks after knowledge and reads all about it.
2) The Traveler – They assumed that because we are constantly on the move, we must be go…

Credit Card New Legislation

I am posting this article for those people who like finance and those who are working in becoming debt free. Our Priority number one should be: staying informed and being awared of APR ratings in credit cards, or any kind of financing. It is important to know how we are going to be financially able to afford paying back, knowing when, and how to accomplish this in a time frame, I believe is important.

These Rights Don't Come for Free

I think Ben Stein is right on track. I believe that people have to use their brains, and start logically thinking if 1 plus to is 1, then 2 plus to 2 must be 4!

I love this Great Nation, there is no other one like AMERICA. Otherwise, people from all over the nations would be going somewhere else to live, to work, to obtain medical benefits, etc. If America is not good, then why so many people choose to come here instead of EU, Cuba, China, Nicaragua, or Venezuela.

Good Article Ben, I like the title, so I am not changing it.

credits to: Ben Stein and yahoo finance

Bailing Yourself Out

It is frustrating to know that so many people have so much hope in the Government bailing them out. It seems like this is a new concept where banks are bailed out, but wait... I want to see us, "tax payers" being bail out. Why not? Instead, we are enduring higher taxes, people are being laid off, retirement plans losing their face value, and the stock market seems to be collapsing.

I disagree with millions of dollars being spent in so much stuff we do not need to reinvent the wheel on. Then, I get more frustrated, when I see so many people depending on Government assistance for everything. The only thing I can think of is - the governement becoming the BIG Brother, what else do we need?

Finally here it is Ben Stein... Again, he is so right about this new bail out concept that so many people are becoming victims of. I agree with him, there is only one way to bail yourself out, YES, DO it YOURSELF!

Here is some good news and some bad news. I'll give you the bad news first.
I …

Advice for Fresh Graduates During Tough Times

These are some good suggestions, being aware of your priorities is always the best way to go. I am just sharing some insight. Take care.

Taken from: Yahoo! Finance
By: Ben Stein

One of the great pleasures of my life is speaking to college and university students. My speeches are rarely political and mostly just the sharing of my experience, strength, and hope, to borrow a famous phrase. Lately I have been speaking a great deal about the economy, about which I know a bit, since I am an economist in real life as well as in movies and on TV. In my youth I also worked on economic policy matters in a small way at the White House.
As you might guess, the main issue today's students have in mind is what they can do in the currently difficult -- very difficult -- job market. What do I recommend to them to trump the problems so many young people are having getting started in the labor market?
Herewith, I offer a few suggestions. These are taken not just from my experience but from what my paren…

A guide for New Immigrants in the United States

I was searching for some information from the Departmen of Homeland Security. Yeah, The Immigration Department in the U.S. You know, my legal side is always working... so, I was reading the new immigrant guide that they have put together in Spanish. This guide helps new immigrants to access local, state and federal services, and shows immigrants about how they can participate in the politics of this great country. It is grammatical correct, which is a difficult thing to do for non-spanish speakers, so I should say they did a marvelous job.

Guia para Nuevos Imigrantes en Los Estados Unidos de America , Version en Espanol

Immigrant Guide, English Version

Please enjoy!

Get Your Passport

This was taken from an article from AAA

I am just posting for your information.

Full implementation of the Western Hemisphere Travel Initiative (WHTI) will begin on June 1. On taht date, U.S. Citizens MUST have a passport or other WHTI-compliant document to enter the U.S. by land or sea.

Children under age 16 may continue to use birth certificates.

I hope this helps you to ensure you have everything you need before you pack your bags. Stay Informed.

If you need more information please check this website:

Love Always,


" A Raising in the Sun"

Oh, I forgot to mention that I have finished reading a play called "A Raising in the Sun" by Lorraine Hansberry. Also a theatrical performance.

This is a play that portraits a Black family life in the inner city, and their struggles in an age of racial and social injustice. I love the end, because Walter, who is one of the characters, finds a way to Manhood - standing for his family, for his father's honor, and for himself as a man. Redeeming himself and his family honor for generations to come.

It is a short play, you will laugh, and will definitely have a great time, while you learn from our past and rich history.

Today's Broadcast with Steve Green

Sorry, I have been a little bit too busy studying for my classes, writing, and trying to stay current with my finance class - present value, future value, blah, blah, blah.... I know, I promise that when I am done, I will write more often.

In the mean time, you can listen to my favorite radio program. Of course, you can podcast the program, if you decide to go running, do not forget to bring along your ipod so you can listen while exercising. Oh, and Please do me a favor, while you are listening to the program, browse through any subject that catches your eyes, or your interest.

God Bless!

Bread Givers

This weekend...

I been reading this book: Bread Givers by Anzia Yezierska. I had just finished it tonight. It reminded me of the struggles, and the willingness to become something in life. This is the story of an immigrant family as they deal with adversity in life, from starting all over again in a new land to becoming part of their new found home, either by will or driven by the need to survive.

This is my own story in some way. I am also an immigrant. I am trying to find a home in this new land, just as she was trying to find independece. As a woman, I am trying to change this world. I long to see women being recognized for their accomplishments not only for their looks.

Looking back, I can see how far I have walked, but I can also see how far I still need to go. Again, I am once more caught on my own thoughts... Keep looking ahead, never letting your spirit die not matter how strong you have to keep fighting. Keep yourself alive with those Dreams for your future is greater than y…

Walking on Water

My newest movie is :"Walking on Water". This is the experience of two young surfers as they travel through different countries finding faith on a journey of a lifetime.

Very emotional, inspirational, and will definitely remind you of strengthening your faith and how to be more thankful. Knowing that God is our source of power.

Love it!

"HOPE" and looking ahead

This is a Historic Moment.

President Barack H. Obama has become the first Black American President ever in our history. He promised Americans to bring "change and hope." This is done with best of intentions from our President, but

Hope and Change CAN ONLY OCCUR WHEN: We respect the WILL of The People.
The American people should never forget that: It is the right of its citizens to take the necessary steps to approve or disapprove laws and regulations. It is the duty of each American citizen to protect the Nation, the future of our children, and future generations. These are the American ideals and of our Founding Fathers.

President George W. Bush Farewell Address to the Nation

East Room, The White HouseWashington, DCJanuary 15, 20098:01 P.M. EST

Fellow citizens: For eight years, it has been my honor to serve as your President. The first decade of this new century has been a period of consequence -- a time set apart. Tonight, with a thankful heart, I have asked for a final opportunity to share some thoughts on the journey that we have traveled together, and the future of our nation.
Five days from now, the world will witness the vitality of American democracy. In a tradition dating back to our founding, the presidency will pass to a successor chosen by you, the American people. Standing on the steps of the Capitol will be a man whose history reflects the enduring promise of our land. This is a moment of hope and pride for our whole nation. And I join all Americans in offering best wishes to President-Elect Obama, his wife Michelle, and their two beautiful girls.
Tonight I am filled with gratitude -- to Vice President Cheney and members of my admin…

Finance Web Sites

I am posting some common websites, that you might be interested in checking out :)

I hope you find this blog informative, interesting, fun, and meaninful in some way. The purpose is to share ideas, and help each other as we walk together in this Journey that we call LIFE.

Visit the following links:


I am currently reading three psychology books. I love reading them. These books give me so much insight about myself, friends, colleagues, and people in general. The most important factor is that I am exposed to search and look for specific issues in my personal life. I need to change and be transformed, so I can become the person that I want to be - a better human being.

A little about my readings...

Two of these books relate to our interactions to each other and our personal relationships. It is so true, your future is always tied to your past. Our earlier relationships are the foundations upon which we will build all of our future relationships. It is in this phase we learned to internalize positive or negative feelings as well as feelings of dissappoinment or validation. We try to identify ourselves with people, places or events that were part of us in the past. Perhaps, it is because we feel comfortable, but remember not to dwell on unhealthy ones or painful memories for too long.…

Rich Dad, Poor Dad

This is a book that I would recommend anybody to read. It will change your way of thinking, especially in regards to money. It is a great book. You can lend it from your nearest Public Library, buy it from Amazon or buy it from the website as well.

Either way, you will find this book to be your wake up call in your journey for financial freedom. I will recommend for you to also read the CashFlow book or in spanish El cuadrante del flujo del Dinero.

Me gustaria que leyeran los siguientes dos libros. Estos libros ayudaran a expander su vision acerca de las finanzas y como hacer mejores decisiones para invertir, ahorrar, o empezar una empresa. Pueden conseguir estos libros Rich Dad/ Poor Dad en su libreria favorita, o en el website de

De cualquier forma, usted encontrara que estos libros seran como su llamada de madrugada para su libertad financiera. Lea tambien el Libro de CashFlow, o conocido en Espanol como "El Cuadrante de Flujo del Dinero."

Escribanme y…

New Year's Resolution / Resolucion para Ano Nuevo

Es un Ano Nuevo, y muchos de nosotros tenemos resoluciones, ideales, nuevas esperanzas, nuevos planes, y muchos deseos de salir adelante. Este Blog, es para compartir a cerca de nuestra jornada para alcanzar una vida mejor. Mi deseo es que aprendamos hacer mejores decisiones en todas las areas de nuestra vida. Compartir con ustedes algunos articulos que sean interesantes y que expandan nuestra vision para un futuro mejor.

This New year, we have new resolutions, new ideas or ideals, new hope, new plans, and the best wishes to prosper. This blog intends to share ideas that can transform our journey on this planet for a better life. I wish we can learn to make better decisions in every aspect of our lives. Sharing some interesting articles, which helps us to broaden our vision.

Please read my link about New Year's Resolution from Dave Ramsey I hope this might help to keep us on track this New Year.

Sandy Bell Cartoon

I was excited because I finally found my favorite cartoon on-line. Yes, you guess it right. My favorite was Sandybell and the Robinson Family.

My friend Carmela was right, going back in time is the most wonderful treasure of life. I watched the episodes until the Grand Finale. Now, I remember why it was my favorite? Yes, caring for others, and being less self oriented is the name of the game. Reminding us of protecting our friends, being loyal, and keeping our word. Things that seem so distant sometimes in our world today can bring so somuch change in this world. I love the message, and I plan to put my two cents this New Year, I hope you too.

Do not forget to check it out...