For someone not running in Italy, Monti has a plan

Italian Premier Mario Monti gestures as he speaks during a news conference in Rome, Sunday, Dec. 23, 2012. Italy's caretaker Premier Mario Monti said Sunday he won't run in February elections, but if political parties that back his anti-crisis agenda ask him to head the next government he would consider the offer. Monti ruled out heading any ticket himself, saying "I have no sympathy for 'personal' parties." At a news conference, Monti made clear he was spurning an offer from his predecessor Silvio Berlusconi to run on a center-right election ticket backed by the media mogul, citing Berlusconi's heavy criticism of his economic policies. (AP Photo/Alessandra Tarantino)

Italian Premier Mario Monti gestures as he speaks during a news conference in Rome, Sunday, Dec. 23, 2012. Italy's caretaker Premier Mario Monti said Sunday he won't run in February elections, but if political parties that back his anti-crisis agenda ask him to head the next government he would consider the offer. Monti ruled out heading any ticket himself, saying "I have no sympathy for 'personal' parties." At a news conference, Monti made clear he was spurning an offer from his predecessor Silvio Berlusconi to run on a center-right election ticket backed by the media mogul, citing Berlusconi's heavy criticism of his economic policies. (AP Photo/Alessandra Tarantino)

Former Italian Premier Silvio Berlusconi attends a TV show in Rome, Sunday, Dec. 23, 2012. Italy's caretaker Premier Mario Monti on Sunday said is spurning he won't take up Silvio Berlusconi's offer to run on a center-right election ticket backed the by media mogul, citing Berlusconi's heavy criticism of his economic policies. (AP Photo/Roberto Monaldo, Lapresse)

ROME (AP) ? For someone not running for political office, Premier Mario Monti has an awfully detailed plan for how to fix Italy's financial woes and bring the country and the rest of Europe back to economic health.

Monti issued a 25-page agenda to "Change Italy, Reform Europe" late Sunday after announcing he had ruled out campaigning for February elections, but would consider leading the next government if politicians who share his focus on reform request it.

Monti outlined the steps Italy must take to finish the reforms his 13-month technical government launched to reign in Italy's public debt, spur economic growth and bring Europe's No. 3 economy out of recession.

Some of his priorities include attracting greater foreign investment, investing in research, exploiting Italy's cultural treasures and fighting tax evasion and corruption.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-12-24-Italy-Politics/id-b035fddfdff144fab4a74cf37377fc54

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Short Sale Timeline - Antioch CA Homes for Sale ... - Rick Fuller Inc

Question: ?How long does it take to short sale a home? ?

Answer: ? ?Although it is?difficult?to determine the timeline of a short sale as you may not be fully aware of who the Investors are that make the?decisions,? is it a?Fannie Mae loan, or?Freddie?Mac loan, is there a mortgage insurance involved, and do you qualify for HAFA , etc? ?There are three very real phases every short sale goes through. ? ?Knowing these phases will help you to know where you are in the process and can give you an idea of when you may?receive?the highly anticipated approval. ??The three phases a short sale goes through are Submission, Valuation, ?and Approval.

Phase ?1 of 3: ? Submission

The Submission phase is when all documents are submitted?to the lender for review and a?Negotiator (this will be your main contact) is assigned. ?In order to process the short sale and validate the Sellers Hardship the Seller will need to provide the following documents. Before preparing these documents you may want to check if you are?eligible?for a HAFA short sale.

List of documents that may be needed

• Hardship Letter
• Financial Statements
• HAFA Forms
• Lender Specific Forms
• Bank Statements
• Tax returns
• Pay Stubs
• Pnl (if self employed)
• SalesContract
• Listing Agreement
• HUD1 (itemized list from a Title Company detailing cost associated with the sale and the Lien Holders net proceeds)

Phase 2 of 3: ? Value

Lien Holders (especially the first Lien Holder involved in the short sale) will want to know the value of the property prior to approving the short sale. ?Lien Holders do not want to sell the property below market value. ?They will more likely approve a sale if the value of the sales contract and the Lien Holders?opinion?of value are similar. ?In my experience, banks will generally approve an offer if it is within 93%-100% of their?opinion?of the value. ? ?Check the value of your home.

The Lien Holders will likely complete any or perhaps all of the below to determine value:

• Appraisal (Completed by a Licensed?Appraiser?however not the same appraisal you would use for financing the property)
• B.P.O. (Broker Price?Opinion?often completed by a local Real Estate Agent)
• A.V.M. (Automated?Valuation?Model an online?opinion?of value)

Phase 3 of 3: ? Approval

Your almost there? ? This is the phase where the Servicer obtains approval from their Investors. ? The Listing Agent (Sellers Agent) may also need to obtain an approval from other Lien Holders (Tax Lien Holders, 2nd mortgages, 3rd mortgage, private liens, etc?) ? Once all?Lien Holders?approve an approval letter is issued usually from each?Lien holder?providing approval.

A word of advise. ?Read the letters carefully, they may have changed some of the terms in the?original?offer and because it may have been months since it was written you may have forgotten some of the terms.

The real name for a short sale is short pay as one or maybe all of the lenders involved?end up short of the amount owed upon the sale of the home. ? It is rarely a quick sale as it can?often take months to short sale a home however follow the three phases outlined above and you?will have a better understanding of the timeline of a short sale. ? More information about what is a short sale.

For more information about the $3,000 Relocation Assistance (if you qualify for HAFA).?Contact us for a free HAFA brochure?or visit our office at 5079 Lone Tree Way Antioch, Ca 94531

?

?

Source: http://rickfullerinc.com/short-sale-timeline/

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Pet Parade Dogs And Cats Find Homes For The Holidays ? CBS ...

Sorry, Readability was unable to parse this page for content.

Source: http://boston.cbslocal.com/2012/12/23/pet-parade-dogs-and-cats-find-homes-for-the-holidays/

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Archery: The Comprehensive Guide to Archery ? A ... - The Yellow Ads

You are here: Home / General / Archery: The Comprehensive Guide to Archery ? A Guide to Archery Equipment and Archery Techniques

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Posted by Dan on Saturday, December 22, 2012 at 12:02 pm?
Filed under General ? Tagged with ross archery, sagittarius the archer, samick archery, scott archery, Target Archery, three rivers archery, Traditional Archery, traditional archery supplies, types of archery bows, venice archer

Source: http://www.theyellowads.com/recreation_sports/archery-the-comprehensive-guide-to-archery-a-guide-to-archery-equipment-and-archery-techniques/

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Vintage car owners seek exhibition spaceAutomotive - Zawya

Sunday, 23 December 2012

DOHA: Vintage car owners in Doha have suggested setting up a permanent place to keep their collections and make it a tourist attraction.

The suggestion has been made as many people have visited the recent vintage car exhibition held in the Corniche to mark the National Day, reported an Arabic daily yesterday.

"I have a collection of 10 vintage cars; I bought the first such car in 1982. Many people visited the exhibition. It is good if there is a specific place to keep and showcase these cars," said Hussain Al Hajiri, a vintage car collector.

Vintage car exhibitions are held in the country at different occasions, and National Day is one such events. Katara, the Cultural Village too held such an exhibition recently.

"It will be a good opportunity to attract more people, if all vintage cars are kept in one place," said Mohamed Al Marri, another vintage car owner, who prefers old cars over new ones. As part of the National Day celebrations, 27 classic vehicles were showcased at the Corniche.

The vintage car collection reflects the passion of some Qatari individuals who enjoy collecting old cars and encourages Qatari youngsters to take it up as their hobby. The exhibition was an opportunity to promote the motoring heritage and provide an experience to all classic car collectors and fans

The show had one of oldest among the collection such as a Morris 1930 model, the first motorised vehicle in Qatar brought by P T Cox and E W Shaw during a geological survey here from 1932 to 1933. Also on show were 50s models of Humber, Red Dodge Power Wagon, Austin A65, Bedford K and Bedford RL among others which were exclusively used by the Qatar Petroleum company both for employees and visitors.

The exhibition also showcases luxury vehicles used to transport royals such as heads of state, ministers and other high ranking officials during their official visits to the country in the 50s. These cars include Oldsmobile 98, Desoto Fire Flite convertible, Cadillac Series 62, and Ford Galaxy 500.

? The Peninsula 2012

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? Copyright Zawya. All Rights Reserved.

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Source: http://www.zawya.com/story/Vintage_car_owners_seek_exhibition_space-ZAWYA20121223044811/

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83 of 2012's Best Viral Videos Crammed Into 4 Minutes

Hey, this year's over, and it's been crazy, but here's a wrap up. So watch it maybe.

[More from Mashable: Seinfeld Plays Ball in ?Who?s on First?? Remake]

Anyone with an Internet connection busted moves to "Gangnam Style" or cringed at a half-naked dude's icy pool flop. The seemingly endless flow of viral videos clocked up billions of YouTube views in 2012. You probably watched so many, they're all jumbled up in your head anyway, which puts you in perfect mindset to watch the clip above.

[More from Mashable: Command-A(ttention) With These Vintage Apple Shoes]

The masters of obscure YouTube gems at VideoGum sliced up 83 of 2012's best viral videos and crammed 'em all into four minutes that will knock your Hot Cheetos and Takis off.

BONUS: The 10 Most Viral YouTube Videos of 2012

1. KONY 2012

Invisible Children, a movement seeking to end the conflict in Uganda, created the film Kony 2012. They hoped it would accelerate the arrest of Lord?s Resistance Army (LRA) leader Joseph Kony, who has been kidnapping and abducting Uganda?s youth for nearly three decades. With more than 100 million views in six days, Kony 2012 became the most viral video in history. The movement, however, ended quite strangely. The video's creator, Jason Russell, was detained in the Pacific Beach neighborhood, with charges of public drunkenness and lewd behavior.

Click here to view this gallery.

Image courtesy of YouTube, LittleBabysIceCream

This story originally published on Mashable here.

Source: http://news.yahoo.com/83-2012s-best-viral-videos-crammed-4-minutes-152032823.html

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Remembering Ramanujan: India Celebrates Its Famous Mathematical Son

India, home of the number zero, ends a yearlong math party in unique fashion

By Evelyn Lamb

PORTRAIT OF A GENIUS: Srinivasa Ramanujan, Indian mathematician, was born December 22, 2012. Image: Konrad Jacobs, Oberwolfach Photo Collection

December 22, 2012, marks the 125th anniversary of the birth of legendary Indian mathematician Srinivasa Ramanujan. An intuitive mathematical genius, Ramanujan's discoveries have influenced several areas of mathematics, but he is probably most famous for his contributions to number theory and infinite series, among them fascinating formulas ( pdf ) that can be used to calculate digits of pi in unusual ways.

Last December Prime Minister Manmohan Singh declared 2012 to be a National Mathematics Year in India in honor of Ramanujan's quasiquicentennial. Ramanujan's story is dramatic and somewhat larger than life. It is even the subject of an opera by Indian-German composer Sandeep Bhagwati, a novel and two plays . Largely self-taught, he dropped out of college, took a job as a clerk in Madras and attracted the attention of British mathematician G. H. Hardy through written correspondence in 1913. Although Ramanujan's mother believed that as a Brahmin (the highest class in the Indian caste system, which was in place at the time) he should not travel overseas, Ramanujan, aged 27, went to England in 1914 and spent the ensuing war years working with Hardy and other mathematicians? at the University of Cambridge. He grew quite ill in England, and in 1919 he returned to India where he died in 1920. Since his death at age 32 mathematicians have analyzed his notebooks ( pdf ), which are full of formulas but light on justification. Most of the formulas have turned out to be correct, and researchers continue to learn from his work while trying to understand and prove them.

India's mathematical heritage extends far beyond Ramanujan's time. The nation is considered home of the concept of zero. Babylonians had used a space as a placeholder (similar to the role of "0" in the number 101), but this space could not stand alone or at the end of a number. (In our number system, as in theirs, this could be problematic; imagine trying to tell the difference between the numbers 1 and 10 by context alone.) In India, however, zero was treated as a number like any other. India is also the home of our decimal numeral system.

Indian government and mathematical societies pursued several projects to celebrate their year of mathematics, from enrichment programs for students and teachers to the "Mathematical Panorama Lectures" that occurred around the country. This series of 20 short lecture courses, which will continue into 2013, brings prominent mathematicians from different fields to Indian universities to deliver five or six lectures. M. S. Raghunathan, president of the Ramanujan Mathematical Society and chair of the organizing committee for the National Mathematics Year, wrote in an e-mail that he hopes the lectures will facilitate an infusion of Indian talent into fields that lack it right now.

Indeed, a primary purpose of the year of mathematics is to reinvigorate mathematical education in India. In his speech announcing the event, Prime Minister Singh said that although India has produced many distinguished mathematicians, "for a country of our size, the number of competent mathematicians that we have is badly inadequate." He mentioned concerns about the rigidity of India?s academic system, which some believe might squelch rather than nurture mathematical curiosity and achievement. "A genius like Ramanujan would shine bright even in the most adverse of circumstances, but we should be geared to encourage and nurture good talent which may not be of the same caliber as that of Ramanujan," he said. Singh also mentioned the need to prevent attrition of mathematically interested people. "There is a general perception in our society that the pursuit of mathematics does not lead to attractive career opportunities," he said. "This perception must change." Lectures for undergraduates, camps for motivated youngsters and educational programs designed to acquaint teachers with new topics and pedagogical ideas have all been part of the attempt to nurture mathematical interest at all levels.

Two longer-term projects begun this year could help as well: a documentary on the history of Indian mathematics and a mathematics museum in Chennai. Raghunathan hopes that the documentary will be available in 2014 and the museum will open its doors in 2015.

This yearlong fete is culminating in "The Legacy of Srinivasa Ramanujan," a conference at the University of Delhi from December 17 to 22. Included are technical lectures on mathematics influenced by Ramanujan's work, public presentations on Ramanujan's notebooks, dance performances and a film about Ramanujan's life. The annual SASTRA Ramanujan Prize, which recognizes a mathematician age 32 or younger who works in a field influenced by Ramanujan, will be awarded as well. The awardee this year is Zhiwei Yun of Stanford University, whose work lies at the intersection of geometric representation theory, algebraic geometry and number theory.

Source: http://rss.sciam.com/click.phdo?i=439855f29051efa43d25441f0464f80c

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