Zakarys Blog

Secrets of Securing A Home Loan

Four Typical Buyer Questions

1. How do I qualify for a loan?

Start by meeting with a lender. The lender will help you explore options for financing a home.

2. How do I select a lender?

?Call two or three lenders.

?Conduct a short telephone interview.

?Make an appointment with the one that makes you feel most comfortable.

3. How does the lender determine my loan qualifications?

?As general guide, you can purchase a home valued at two to three times your annual income.

?The lender will also consider your savings and debts.

?There are loan programs for first time buyers.

?There are programs for buyers with credit issues.

?Ask the lender what is best for you.

4. When should I call a Realtor?

?Meet with a lender first to determine loan qualifications.

?Get a pre-qualify letter.

?Conduct a brief telephone interview with two or three Realtors.

?Select the Realtor that makes you feel most comfortable.

?Make an appointment.

?You may be asked to sign a buyer agency agreement. It’s fine to sign a short term agreement.

?Before you sign a long term agreement, be sure you’re comfortable with the Realtor.

Your first meeting with the Realtor

Be open minded. Make a list of features you’d like in your home:

?How many bedrooms?

?Do you need a garage?

?How far do you drive to work?

?Do you have animals?

?… and so forth.

If you give the Realtor definite parameters; they can find a house for you.

Your first meeting with a lender

Bring this information with you: Salary and bonuses. ?Employment verification.

?Two years of tax returns or W-2 forms.

?Military history. ?Amount of dividends and interest income.

?Other regular income such as alimony, child support etc.

?Current bank statements both checking and savings.

?Market value of stocks, bonds or Certificates of Deposit.

?Face amount and cash value of life insurance policies.

?Value of personal property and automobiles.

?Balances and account numbers for loans, credit card balances and personal loans.

Four types of loans:

1. Fixed Rate - the interest rate stays the same over the life of the loan.

2. Adjustable/Variable Rate - the interest rate can change during the life of the loan.

3. Government Loans - VA and FHA.

4. Bridge/Swing Loans - Short term loans that are paid off quickly.

Within these categories are many variations designed to fit different needs. Which one is right for me?

Many factors enter into the selection of a loan:

Your financial circumstance.

Expectation of future financial changes.

How long you intend to hold the property.

How comfortable you are with the monthly payment.

How comfortable you are with the payment amount changing from time to time?

Discuss your preferences with the lender and the Realtor.

What does my loan payment include?

P includes payment on principle amount

I includes payment on the interest

T may include payments into an escrow account to pay taxes

I may include payments into an escrow account to pay insurance

How much do I need for a down payment?

Down payments vary. They can be anywhere from zero to twenty percent of the homes value.

Veterans and active military may obtain a loan with zero down.

What does the lender need to know about my credit?

?If you have had credit problems, discuss them with your lender.

?Bring written explanations of credit issues.

?If problems have been corrected and credit reestablished, you’ll probably be fine.

?Credit problems no longer mean you’re unable to get a loan.

How long will it take?

?Your lender needs to verify all information.

?The process may take from one to six weeks.

?Within three business days after application the lender must provide you with a Good Faith Estimate , which is the amount of closing costs you’ll be expected to pay and an estimated monthly payment.

?Stay in touch with your Realtor and Lender.

?Do not be afraid to ask questions.

?Home buying can be unnerving; ask the professionals what to expect.

TERMINOLOGY

FHA Loans Federal Housing Administration loans are government insured loans. They allow you to buy with a small down payment.

VA Loans Veterans Administration loans are available to veterans and active military. A VA loan may require no down payment.

Balloon Payment A payment that calls the entire loan due in a short period although the loan may be amortized over a longer period of time.

APR The actual cost of a loan as a yearly rate.

Appraisal An estimate of the value of the home, made by a professional appraiser. The maximum amount of the mortgage is generally based on the appraisal.

Interest The sum paid for borrowing money.

Origination Fee The fee charged by the lender to prepare all the documents.

Points Prepaid interest on the loan, charged at the time of closing. Each point is one percent of the loan amount.

PMI Private Mortgage Insurance is an insurance policy the borrower buys to protect the lender from non-payment of the loan.

Title Insurance An insurance policy which insures you against errors in the title search, guaranteeing you and the lender your financial interest in the property.

Copyright (c) 2007 Wee Dilts

Wee Dilts created the original for sale by owner flat fee MLS program, authored the best selling “How to Sell Real Estate by Owner” book, and has assisted FSBOS since 1983. Colorado For Sale by Owners can register for MLS, purchase her book, or download Free FSBO tips at www.fsbofriend.com http://www.fsbofriend.com

AFP - There is still time for Israel and the Palestinians to reach a peace agreement before US President George W. Bush leaves office, Secretary of State Condoleezza Rice said Friday.

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Want an easy way to update your customers with your company news, then adopting an email newsletter or e-Newsletter on a regular schedule can not only keep them informed it may even generate more business.

An e-newsletter combines the benefits of company information and marketing opportunities with little cost to compose and savings realised by using email technology rather tan traditional postal means.

Some things you need to consider when preparing your e-Newsletter;

? Frequency - Make a plan to publish your newsletter on a regular basis

? Content - Keep the content focused on the audience, don’t try and oversell any product or service as these emails tend to get deleted very quickly.

? Size - Try to keep the newsletter to 3 - 4 bullet points, in short attention grabbing sentences that lead to full stories on your website.

? Bandwidth - Try not to over indulge your newsletter with too many graphics, keep in mind many users still have low speed internet connections and large image sizes will have an impact on downloading. Try to keep your newsletter to under 60Kb

In this article I will show you the easy way to create a newsletter based on tables in Microsoft Word ready for importing into your email program for distribution.

Step 1: Open a blank word document and insert a table with 3 columns and 6 rows. I recommend merging the top 3 cells and the bottom 3 cells into header and footer rows so you can easily add the company logo on the header row and your address details on the footer row.

Step 2: Merge the left side rows of the remaining rows into 1 column.

Step 3: Add your logo image or Business Name to header area and Address details to footer area, don’t forget to add email and website URL links here as well.

Step 4: Formulate a welcome message to introduce your newsletter and its content.

Step 5: Keep the information in the newsletter brief and to the point, if you have more information on your website make sure you link directly to that article or news/product item on your website. Introduce bullet point’s news snippets with links in the left side column.

You have now created A HTML newsletter that looks like a webpage. Colours and graphics can easily be modified to suite your corporate colours etc. You now have a simple easy to edit Word Document ready for publication via email.

Save the document for future editing and then selecting the entire table copy and paste into an open blank email.

Tip: Send the email to a friend or your free email accounts (hotmail, gmail etc) to see how the finish product will look when your customer receive it.

If no formatting issues are found after test email is sent, send the newsletter to your predetermined list of contacts.

Remember: Frequency is the key to gaining new and repeat business, so compiling and sending regular updates will help educate your customers on your products and services.

Craig Bucknall is the owner and Managing Director of the Sydney based Website Design studio Bullie Graphics. See their website for more information about www.bulliegraphics.com.au http://www.bulliegraphics.com.au website design also checkout the www.bulliegraphics.com.au/blog http://www.bulliegraphics.com.au/blog website design and seo tips blog.

TechWeb - InformationWeek - Vendor neutrality and greater transparency will increase adoption of the soon to be open mobile platform, executives point out.

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Home insurance in UK provides a sense of security in you that your home is safe. If you wish to buy a home insurance in UK then the cheap home insurance quote available in UK can be of prime need for you.

Although home insurance can be quite expensive depending upon the value of your home but if you want to get home insurance quote in UK at cheap rate then you will have to keep some factors in your mind. Cheap home insurance quote in UK is purchased by people for saving their home against any loss or disaster which might be beyond their capacity to bear in the happening of any event. Home insurance quote in UK is generally given by insurance companies at cheap rate depending upon some facts like the deductibles paid and safety measures installed in your home. If you are residing in a home which is near to the fire station and police station then insurance provider will prefer to offer cheap home insurance quote in UK because it reduces the risk of danger from theft. Payment of higher deductibles can also make you available the cheap home insurance quote in UK.

Quote for cheap home insurance in UK gives protection to your home in case of calamities like hurricane, earthquake, and any other sudden natural disaster which might cause unbearable losses and damages to your home. Even sometimes incidents like riots, vandalism, and malice acts can be very disastrous for your home. So instead of living in danger it is better if you take some home insurance policy after studying well the home insurance quotes at cheap rate.

Another way of getting cheap home insurance quote in UK is to take your home insurance from the same insurance provider from whom you have taken your any other insurance policy. In this way you can not only get cheap home insurance quote in UK but might also get discount with your policy.

Insurance providers in UK provides quote for cheap home insurance on the internet. Online availability of cheap home insurance quote in UK has removed your tension to search about the best policy of home insurance. Insurance companies will provide you all the information online which you might need when buying a cheap home insurance quote in UK. Hence in UK internet is the best mode of searching about the cheap home insurance quote. From innumerable online quote for cheap home insurance in UK you can compare and choose the best one for yourself.

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find cheap home insurance quote in UK, car insurance, travel insurance, home insurance, van insurance visit www.insuranceb.co.uk http://www.insuranceb.co.uk

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I am a literary person. Ever since I was a child, I have never stopped the search for different books. I have always been interested in fiction, science, poetry and so on and so forth. When I hear the words, World Book Encyclopedia I always recall my childhood. First, I went through all the kid classics I was able to find at home. Then I went over to books with the “adult” content. I “ate up” the encyclopedias we had, The Compton Encyclopedia. Then after a short search at our local library, I found The World Book Encyclopedia.

While I was used to reading every book I found, my brother had another hobby. He only use to read encyclopedias. He loved to settle in an easy chair, put his feet up and start with the A page of the encyclopedia. I was always surprised that he would not stop reading until he finished the last page of the encyclopedia. When he finished the volume, he went on to the next volume. My brother never wanted to talk. I press the words he never talked. My mother used to say that he only grunted. He used to give a grunt if someone greeted him.

There was something queer about my brother but he was a genius. He attended college in Alaska. Then he went on to Military Intelligence. Then he went on to reading all-available encyclopedias - The World Book Encyclopedia, Encyclopedia Brittanica, and the Columbia Encyclopedia. He had isolated himself to read encyclopedias.

At the same time, I was dreaming about writing. Maybe his passion for reading made me a dreamer. I only thought about the kinds of writing I would do when I grew up. My boldest dream was to write encyclopedias.

When I graduated from college and I became a teacher at a college, I completely abandoned this writing dream. I started writing for a living. First, I decided to search how to be a freelancer. I was not keen on the idea but I needed to do something for a living. Fortunately, while I was searching I encountered a call for writers to submit to a literary encyclopedia. I remembered my old dream I applied but soon I forgot about it. I have always dreamt to be the World Book Encyclopedia writer. In order to make a living I went on to write web content.

I was very surprised one day when one day I got an email from the editor of a publishing house. He offered me to write book review, then literary surveys for an online academic literary library database. At that moment, I was the happiest man on the planet. I have encountered the one of the best jobs I can think of.

At the present time, my brother works as an MIS. He has not lost his passion to read encyclopedias. Now, he has moved to reading The World Book Encyclopedia online. I believe that you will ask me whether he has started to talk. The answer is - no, he has not. He even sends me e-mail quite rarely. I understand him. He doesn’t need to talk. We are busy people, whether reading The World Book Encyclopedia, or writing entries for The World Book Encyclopedia, and we cannot afford to waste time. Thank God for the Internet. Otherwise, he would never call me.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning books. Get the information you are seeking now by visiting www.thebookblowout.com/books/books/a-world-of-knowledge—world-book-encyclopedia.html http://www.thebookblowout.com/books/books/a-world-of-knowledge—world-book-encyclopedia.html

Reuters - A group of New Zealand students has come up with a novel way of protesting against a visit by U.S. Secretary of State Condoleezza Rice, offering a cash reward for her “arrest” over U.S. actions in Iraq.

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If you are in the market for fine German wine and food, you should consider the Pfalz region of southwestern Germany. You may find a bargain, and I hope that you’ll enjoy yourself on this fact-filled wine education tour in which we review a local Gewuerztraminer.

The climate in the Pfalz region is so mild that some of its farmers actually raise lemons and figs. It has been called the Tuscany of Germany. While Pfalz is far from Tuscany, it is just over the border from the famous French wine-producing region of Alsace, also known for producing fine Gewurztraminer wines. Sooner or later we will review one (or maybe more) Alsacian Gewurztraminers for our series I Love French Wine and Food. Did you notice the difference in spelling between the German and the French grape?

The Pfalz is quite narrow and about 80 kilometers long, right along the Rhine River. The best vineyards belonged to the Church until Napoleon redistributed them. The region contains some 25,000 vineyards with an average size under a hectare (about 2.5 acres). With such small vineyards, most owners are forced to take on additional work to make ends meet. While Pfalz was once the number one German wine producing region, it now ranks number two in both total wine production and vineyard acreage behind its northern neighbor, Rheinhessen.

Approximately four out of five local wine bottles are white. The two top grape varieties grown here are Mueller Thurgau, a German developed hybrid, and the often noble Riesling. Local red grape varieties include Portugieser and to a lesser extent Pinot Noir, better known by its German name, Spaetburgunder. About 10% of Pfalz wine is classified as basic table wine, over 70% as middle quality QbA wine, and the remainder higher quality QmP wine.

The German Wine Road crosses the Pfalz region. Virtually anywhere you go on this road you can find something worth seeing, worth tasting, and I daresay worth eating. Be sure to visit the city of Speyer. While today’s population is only about fifty thousand, Speyer was a major center in the Holy Roman Empire hosting many Imperial Diets, huge parliamentary assemblies. From 1030 to 1061 a series of emperors built the Kaiserdom (The Imperial Cathedral), which was expertly restored more than fifty years ago. Just across from the cathedral you will find the Palatinate Historical Museum. Other museums to visit include the Technology Museum, Sea Life in the old harbor, and the Wine Museum that features a 1600 year-old glass wine amphora, perhaps the oldest wine bottle in the world.

Before reviewing the Pfalz wine and imported cheeses that we were lucky enough to purchase at a local wine store and a local Italian food store, here are a few suggestions of what to eat with indigenous wines when touring this beautiful region. Start with Keschlebreih (Chestnut Soup). For your second course enjoy Kalbsnieren (Veal Kidneys). As a dessert indulge yourself with Kerscheblotzer (Cherry Cake).

OUR WINE REVIEW POLICY All wines that we taste and review are purchased at the full retail price.

Wine Reviewed Darting Gewuerztraminer Kabinett 2005 10.8% alcohol about $14

Let’s start by quoting the marketing materials. With such a German name, it’s surprising that Gewuerztraminer is still a minority in the vineyards of the country. Kurt Darting has created some of the Pfalz’s finest examples. The wine has classic lychee, grapefruit and spice tones. A perfect partner for intense, flavourful dishes such as chicken vindaloo.

My first pairing was with turkey meatballs, potatoes, and sautéed vegetables in a moderately spicy tomato based sauce. The wine was round, light, a bit sweet, and not very acidic. While the vegetables’ sweetness intensified the wine’s sweetness, happily the wine never became cloying. I tasted apples in the background. I tried the Gewuerztraminer with chocolate covered candied orange peels. While the wine was round it was somewhat disappointing. As always, I don’t blame the wine for failing a stab in the dark type pairing.

My next trial was canned tuna doused in Harissa, a Moroccan spice, cold roasted potatoes, and a cold vegetable medley. The wine was sweet and tasted of honey without being at all cloying. I did taste the lychee that I was supposed to taste. The wine had pleasant acidity. You might consider canned tuna and honey-tasting wine to be a marriage made in Purgatory but I rather liked the combination. I think it would have been even better if the Harissa lived up to its promise as a fiery spice. For dessert I had homemade biscotti slathered with high-quality apricot preserves. The Gewuerztraminer became pleasantly acidic to match the dessert’s sweetness.

The final meal included whole-wheat pasta with a commercial spaghetti sauce to which I added sautéed brown mushrooms and red onions. I sprinkled lots of ground Parmesan cheese on the mixture. The wine was really sweet, considerably than before. Its sweetness was a good match for the tomato sauce’s sweetness. Steamed asparagus with a generous sprinkling of onion powder and a fair measure of cayenne pepper formed the delicious side dish. This combination rendered the wine more complex than previously. It balanced the spices well. The wine was weak with a fruit juice based candy.

And now come the cheeses. The first pairing involved a goat’s milk cheese called Palet de Chevre from the Poitou Charentes region of central-western France. It was a goat’s milk cheese unlike any that I have ever tasted. Frankly it looked and tasted like a somewhat runny Camembert. The wine was definitely honeyed with this cheese. I did not find the combination particularly enticing. Not being able to find a German cheese other than another Limberger, no thank you, I bought a Gruyere, a Swiss cheese without the holes. The pairing was virtually the same. Honey. Once again, no thank you.

Final verdict. Nothing special. This wine was sufficiently disappointing that I won’t be buying it again. While I am partial to other German white wines beside Rieslings, I was not impressed by this particular offering.

Levi Reiss has authored or co-authored ten books on computers and the Internet, but to be honest, he would rather just drink fine German or other wine, accompanied by the right foods. He teaches classes in computers at an Ontario French-language community college. His major wine website is www.theworldwidewine.com http://www.theworldwidewine.com which links to his other web sites.

AP - An aide to Sen. Barack Obama said Friday the Democratic presidential contender believed he could visit wounded troops at a military hospital in Germany without involving them in a campaign controversy and scrapped his plans after the Pentagon raised concerns.

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Getting back in the dating scene should be a gradual one and should be on your own terms. Don’t stress about finding someone to intermingle with of interest and not knowing where to look. It’s time to take the blinders off . Gabby Love at www.gabbylove.com http://www.gabbylove.com offers key tips that will guide you in exploring a new arena of life.

Bus Stops / Rail: Hey don’t laugh and don’t judge. With the gas crunch being the way it is there are all types of people taking public transportation. It’s relatively safe and if you are brave enough to look around you may see a real diamond .

Grocery Store: People have to eat. Now this is the perfect place to meet great potentials. Icebreaker Tip…Ask for help or advice about anything and you will be surprised at how quick a conversation strike up especially if you spy a cutie standing in a long line…go for it !

Airplanes: Hey the gods could really be with you if you are seated next to a great potential interest for a long trip. Both of you are going to the same destination with on the spot customer service from the flight attendant. Take advantage and talk…you just may be surprised.

Laundromats: Believe it or not this is a definite favorite of mine since being dressed up is not at all needed. People are relaxed and there is a little time to chat while waiting.

The above are safe and effective ways to intermingle with others without having to feel pressured. Just open your eyes, look around,and smile.

Gabby Love offers in depth reviews and recommendations concerning relationships,sex,and entertainment. Visit some of the sites reviewed by Gabby Love at www.gabbylove.com http://www.gabbylove.com , nakednakedwoman.com http://nakednakedwoman.com , www.2eroticsex.com http://www.2eroticsex.com ,and www.adultsnightclub.com http://www.adultsnightclub.com .

AP - Only jalapeno peppers grown in Mexico are implicated in the nationwide salmonella outbreak, the government announced Friday in clearing the U.S. crop.

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Whether you are searching for a career in fashion modeling or glamour modeling, it is very important for you to realize that there is more to becoming a model than just standing there looking beautiful.

One very important factor in becoming a good model is posing, and in order for you to learn the different poses needed for the type of modeling career you are seeking it will take practice, practice, practice.

Make Your Posing Look Natural

When preparing for your photo shoot, there are numerous steps you can take to ensure you are comfortable while posing and your photos will look more natural.

Get Posing Ideas

Before you head to your photo shoot, pick at least ten poses you really like from fashion or glamour magazines, or poses you’ve learned from previous photo shoots. Take time to practice each pose in front of a mirror until you feel comfortable and have the confidence of knowing you look great doing these poses.

Hands and Facial Expression

Also, focus on what to do with your hands and pay attention to facial expressions. A pose is virtually dead and unimaginative without a “look”. You should be able to close your eyes, imagine a thought, open your eyes and sell that thought. Practice this technique and your photos will come alive.

Become an Idea Factory

Unless you are shooting for an advertising agency or some other type of special interest session many photographers recommend that you bring some of your own posing ideas to the shoot. In addition to your ideas, the photographer may have his or her own idea of how the session should go.

Rapport with Your Photographer

Always work with a photographer you feel you can trust. This will make communication between the two of you easier and give you the confidence to express your own ideas.

Always listen to what the photographer tells you. If you are really uncomfortable with the pose, let your photographer know how you feel, in a nice way. Remember, he is looking through the camera lens and might see something you don’t.

If the photographer says she wants something different in the pose, try looking away from the camera or giving a unique facial expression. This is where your practice in front of the mirror really pays.

Posture

When posing you should always keep good posture unless the photographer instructs you to do otherwise. Hold your stomach in to give your abdomen a more toned appearance. If you have gained a few pounds stick out your chin a little to avoid the appearance of a double chin in your photos.

Keep your fingers slightly apart and pointed away from the lens. Let your hands fall naturally into position whenever possible. Remember, you want to be yourself - on purpose.

Now that you have learned what to do, consider these things you should try to avoid while posing.

Things to Avoid when Posing for a Photographer

Misplaced Body Language

Body language and expressions come naturally but the language you are projecting might not be what your photographer wants in a particular pose. You need to conciously focus on ways to prevent these habits while posing.

Don’t hold your breath during a pose. Stay relaxed and your photos will look as if you just happened to be sitting this way when the photographer walked up.

In most pose situations you want your arms, legs, wrists, etc. slightly bent unless you are directed to do otherwise Most people don’t stand or sit with their arms and legs completely stiff. A good point to remember is, if it will bend, bend it.

Mona Lisa Smile?

Another posing tip to remember is that you don’t always have to smile. You should have a good variety of smiling and serious looks. But, sometimes you will want to give a large, open-mouthed laugh. If you are susposed to be happy, look the part!

Your Eyes are the Windows to Your Soul

Don’t always look straight into the camera. When you cut your eyes to the left or right, you create an air of mystery. When you look up and away, you are annoyed. Tilt your chin slightly down and look straight ahead for a sexy look.

About Blinking

Beware of the Blink! If you have to blink, try to blink between exposures. This is not always easy, especially if you are working in a photography studio. Some models get into a habit of anticipating the strobes and start to close their eyes when the picture is about to be snapped.

Get into the habit of not paying attention to the flash and concentrate wholy on the pose, your body language, hand position, etc. and your images will come out as you expect.

Be Bold!!

Never be afraid to try out some of your own poses in front of your photographer. Most photographers are glad to hear suggestions from you.

How do You See Yourself?

When you look at your final images don’t be critical of yourself. Find positive ways to improve your posing. Discover your strengths and weaknesses and shoot for the stars.

I am certain that Tyra Banks still works on her appearance and her posing artistry even though she has achieved a degree of stardom. Shouldn’t you?

Bob Pardue is a professional model and fashion photographer. You can get free modeling tips by going to www.bobpardue.com/newsletter/subscribe/ http://www.bobpardue.com/newsletter/subscribe/

AP - The agent for Tennessee All Pro defensive tackle Albert Haynesworth says his client has agreed to terms with the Titans on his one-year tender as their franchise player.

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A clock tells the time, oh yes… but it does much more than that. Have you ever been in a room and found yourself looking about to find a way to tell the time? When your eye alights on the clock, it feels almost as though you’ve found a trusted friend, someone who can always be relied to get one thing right… the time. Even if the clock isn’t the type which makes the traditional tick-tock sound, it still adds something, some kind of soul, to a room.

So it’s time to choose a clock for your house. But which one? There are so many different styles of clocks to choose from that it sometimes make it hard to choose the right clock for your house. But two things to know about for the clock and the room where it will be in are the physical and aesthetic aspects.

First look if the clock will be a good physical fit on your wall or mantle as if it is too big or too large it could look out of place in your house. Stand at different angles and distances when choosing a clock as they can look great up-close but be hard to read from a distance or can be nice from a distance but once up to the clock it takes up the wall.

The right size of the clock has to be determined by you and the place where the clock will be in the house. The weight of the clock is also important as you don’t want it falling from the wall during, well, ever. Make sure the wall or mantel you choose to put the clock on can support the weight of the clock.

The color scheme of the clock should match the rest of the room that it is in. If the clock does not match or blend in any way then it can take away from the calming aspect of a room. There are many clocks that are made of wood which go great with brown shaded rooms accentuating the earth tones. There are also clocks made out of any type of metal imaginable which can go better with newer age living rooms.

The type of clock you choose has a lot to do with how your room is set up. You want the clock to match the room not the other way around.

Christine Loxley writes for kronodisc.com http://kronodisc.com , an online resource of articles about clocks and wall clocks in particular.

AP - A pet rabbit is credited with saving a couple from a fire that swept through their home in the southern city of Melbourne.

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Xbox 360 was the number one smash hit for Christmas gifts last year. The reasons are obvious: more visual effects, better console, incredible action, and excellent game choices. This year again teens will be playing Xbox 360 games with their friends, comparing games at school, and buying, renting or swapping the new Xbox games out this year. Here are some of the top picks for Christmas 2006, in a variety of categories, such as action, adventure, shooters, sports, and role-playing. Something for everyone.

1. Gears of War - Shooter

Now this is what next-gen gaming is all about! I’ve logged over 13 hours of game time so far, and haven’t even finished it, but that’s because I’m milking this baby for all it’s worth. The campaign experience is one to be savored, as there probably won’t be anything like it again for quite some time. Gears of War is one of those titles that comes around every couple of years and raises the bar so high that it almost spoils every game released in the next six months.

This third-person shooter thrusts gamers into a deep and harrowing story of humankind’s epic battle for survival against the Locust Horde, a nightmarish race of creatures that surface from the bowels of the earth.

Gears of War is about teamwork in a big way. All game modes, levels and scenarios are designed specifically to encourage cooperative play, whether it be with A.I. partners or human players (with A.I. teammates designed with specific strengths, weaknesses and personalities). Also, voice recognition will be available for players, and voice chat to discuss strategy with your friends.

2. Tom Clancy’s Ghost Recon Advanced Warfighter - Shooter

The face of war has changed with Tom Clancy’s Ghost Recon Advanced Warfighter. Enemy lines are blurred and there is no clear opponent. New enemies and threats require a new type of warfare and a new kind of soldier. Enter the Ghosts.

In 2013, the U.S. Army will implement its Integrated Warfighter System. IWS combines advanced weapon systems, satellite communication devices, and enhanced survivability features into a fully integrated warfare combat system. Equipped with cutting edge weapons and communications systems, you will find yourself, one of the Ghosts, immersed in a detailed universe which is warfare of the future.

One gamer exclaimed, This game is a pure showcase of next gen gaming. the graphica are downright gorgeous and this actually helps to immerse you into the story. and the story is riveting enough to actually make you care about mexico city… do your self a favor and buy this game.

3. The Elder Scrolls IV: Oblivion - RPG

Like earlier games in the Elder Scrolls series, Oblivion is designed to present a living fantasy world that gamers experience on their own terms. The game is populated with over 1,000 NPCs, each leading a fully realized life, following regular schedules according to their individual wants, needs, and positions. Players are encouraged to interact in the world as they choose, as noble heroes, greedy villains, or anything in between. The game’s main story and its sidemissions provide plenty of fast-moving adventure.

Advised one fan: This Game Is Like Crack. Massive enivornment; Beautiful graphics; Great ambient music and sound; Totally engrossing gameplay. This game is unbelieveable. If you like RPG’s in the SLIGHTEST, buy it.

4. Fight Night Round 3 - Sports

Easily beating the competition, Fight Night Round 3 brings the most intense boxing videogame experience ever to the virtual boxing ring. Film-quality graphics establish Fight Night Round 3 as one of the best looking and playing Xbox 360 sports games ever produced. The graphics feature devastating punch impacts unparalleled in any game or film.

Outside of the ring, gamers can establish intense rivalries through pre-fight events and trash talk, putting more purpose and passion behind their every hit. The visuals in Fight Night Round 3 are so excellent that they actually enhance the gameplay. The gameplay has been revamped from what was already an excellent experience in Round 2.

5. Tom Clancy’s Splinter Cell Double Agent - Action

The bestselling Tom Clancy’s Splinter Cell game takes on an entirely new direction. You play as a double agent for the first time ever in Splinter Cell Double Agent. You’ll take on the dual roles of covert operative and ruthless terrorist, where your choices of whom to betray and whom to protect actually affect the outcome of your game.

Experience the relentless tension and gut-wrenching dilemmas of life as a double agent. Lie. Kill. Sabotage. Betray. But above all, save and protect the innocent. How far will you go to gain the enemy’s trust? As covert operative Sam Fisher, you’ll infiltrate a vicious terrorist group and seek to destroy it from within. Carefully weigh the consequences of your actions–kill too many terrorists and blow your cover. Hesitate and millions will die. Do whatever it takes to complete your mission, but get out alive.

6. LEGO Star Wars II: The Original Trilogy - Action

The war between the Galactic Empire and the Rebel Alliance has left the galaxy far, far away a huge mess! But luckily with LEGOs, rebuilding is easy! Play through the original trilogy, Star Wars, The Empire Strikes Back, and Return of the Jedi, as all three movies are re-created using LEGO bricks. You can play as one of 50 different characters and can even get out of vehicles and ride on various creatures.

Our recommendation: If you liked the first Star Wars game, this one should definitely be on your list. If you’ve never played the first game, then this one must be on your list! So really, there isn’t any reason not to own and play this game.

7. Madden NFL 07 - Sports

With Madden NFL 07, innovative rushing controls allow you to control the running game like never before, with all-new jukes, cutbacks, and the distinct running styles of your favorite backs.

For the first time, in a football video game, you can step up as the lead blocker to create a hole, and then take control of the tailback to smash through, jump over, or tear away from any would-be tackler as you head for the end zone.

One fan raved, Overall it was exactly what i was looking for, … the new features are all fun, and the individual camera view for every position in superstar mode gave u a feeling of really playing as the character. This will be a great game to play alone or with a group of friends.

8. Dead Rising - Action

Dead Rising follows the harrowing saga of Frank West, an overly zealous freelance photojournalist on a hunt for the scoop of a lifetime. In pursuit of a clue, he makes his way to a small suburban town only to find that it has been overrun by zombies. He escapes to the local shopping mall, thinking it will be a bastion of safety, but it turns out to be anything but.

In the intense struggle to survive the endless stream of zombies, players have full reign of a realistic shopping center, utilizing anything they find to fight off the flesh-hungry mob. The variety of stores in the mall offers players an endless supply of resources including vehicles, makeshift weapons and more. Players encounter other survivors along the way, and by helping them, acquire valuable clues as to what has happened and how to survive.

I couldn’t say it better than one fan: Thousands and thousands of zombies to kill in a myriad of ridiculous ways; tons of things to see and try throughout the mall; great sense of style; a plot that manages to be intriguing without intruding too much on the action; and fantastic sound effects.

9. Saints Row - Action

Welcome to Stilwater, an open-world city with attitude, a city controlled by rival gangs, a city you are about to take over in Saints Row. As a low-level thug in the Third Street Saints, you’ll do whatever it takes to get the money and build the respect and power you need to muscle your way to the top. Be careful, though. Your actions have consequences within the game, and around every corner lurks a new threat.

Numerous vehicles are available to borrow, pedestrians can be slugged or robbed at gunpoint, and there are an assortment of missions to advance the game’s primarily storyline. Some features include: fun, responsive driving controls; excellent on-foot shooting action; impressive presentation, featuring amazing explosions and great audio; and a well-written, well-acted story to compel you to keep playing.

10. Hitman: Blood Money - Action

On the run from rival assassins, Agent 47 hops a plane to take care of business stateside in Hitman: Blood Money. Players will guide Agent 47 through a number of locales, including New Orleans, Los Angeles, and Las Vegas as he performs hits. It’s up to the player to determine the manner in which a hit is executed, but the rookie training mode can show amateur assassins how to help targets have accidents, by pushing the victim over a ledge or pinning him underneath a heavy object.

The amount of money earned from completed jobs varies depending on the cleanliness and professionalism of the hit. Agent 47’s paychecks can be spent in a number of ways including bribing reporters, customizing weapons with one of 15 upgrades, or paying pedestrians for information. Open-ended stealth action gameplay lets you sneak around, or run and gun; beautifully crafted mission set pieces seem appropriately big and complex; large variety of realistic weapons; and great combination of action and strategy.

Jason Purnell is a gamer providing valuable tips and advice on gaming systems, cheats, and especially Xbox 360 games. He is the author of the new book, Winning Xbox 360 Games: Strategies and Tips from Some of the World’s Best Video Gamers. An avid gamer himself, Jason also writes articles on gaming. For more free tips on Xbox 360 games, go to: www.Xbox-360-Game-Reviews.com http://www.Xbox-360-Game-Reviews.com .

AP - A convicted spammer fatally shot his wife and young daughter in an apparent murder-suicide Thursday while being sought after escaping prison last weekend, authorities said.

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So you’re thinking about planning your next big vacation. Of course you will be dreaming of somewhere very warm. You may even consider snorkeling, golf, and even scuba diving. You have all your points saved up from your credit card miles. So the question is where do you take the family this time? Do you head down South yet again? Or maybe you have relatives on the West coast. Well after reading this you may consider looking at some Mexico vacation packages.

Have you ever considered traveling or taking a vacation to a foreign country? If you can’t decide on a foreign land, why not try one that’s close to home. Our neighboring country, Mexico, has much to offer when it comes to fun and relaxation. This warm, sunny tourist spot will leave you anxious for your next trip. Get your passports ready. There are a variety of Mexico vacation packages just waiting for you. You can get all of the info you need by hopping online and browsing through the many specials and deals.

If your entire life has been living in the United States you may consider something new to try. Even though the US has some hot vacation spots it is worth checking out some new culture spots now and again. If you haven’t noticed, our many states all start to look the same. It’s time to venture beyond your immediate surroundings. Dive into cyberspace and take a gander at the fine Mexico vacation packages.

You can locate deals that will blow your mind. These days you don’t have to purchase everything separately. There are a number of all-inclusive Mexico vacation packages that will save you some bucks. Imagine taking care of your air fare, hotel stay, and events all in one whack. You can make this a reality when you turn to the Internet.

Traveling outside America can be lots of fun. You really do not have to travel that far to experience a very different culture. I know that it can be very easy to get caught up in the traditional vacation plans. Like we mentioned above you easily go to your local travel agent or find something online that has everything included as one solid package. This helps you in a bunch of ways. Mostly cost, but now you also do not have the burden about booking tickets or finding hotels. So put on your thinking cap and remember to try to plan a trip outside your homeland once in awhile. You will certainly not regret it.

After school, my buddies and I wanted an ultimate vacation blowout. A celebration of utter freedom from professors and homework. We planned a journey to Cancun, Mexico. At first, we weren’t sure where to begin this little escapade, but then we turned to the Internet for answers. I found other great travel information at www.articlenews-info.com http://www.articlenews-info.com . Suddenly we were overwhelmed with ideas and great deals at our fingertips. How would we ever decide from the many? After some intense scrutiny of numerous Mexico vacation packages, we found one that suited us perfectly. It was certainly ideal to take care of most expenses ahead of time.

We didn’t want any worries or stress weighing us down on our relaxing trip to Cancun. In the end, our trip to Mexico was a big success. It was wonderful to experience some new culture while visiting a beautiful country. This is one place everyone should check out. If you’re in search of that perfect vacation, but want something away from the mainland, check into the plethora of Mexico vacation packages. The Internet will guide you in your search for the perfect getaway.

So as you can see it is very easy to plan a vacation and there are several Mexico vacation packages you can select from. Mexico is so close you can practically taste it. People often forget that Mexico borders the United States and do not even consider it as a vacation option. You can find several Mexico vacation packages online or as we recommended a few times using your local travel agent. The culture you will experience will be worth the planning. You will feel like your half way across the globe, but the reality is you’re a short plane trip away. We hope you enjoyed the information we provided you on Mexico vacation packages.

Ronald Trainer enjoys working with: www.nightlodging.com http://www.nightlodging.com www.dailyrealestateinfo.com http://www.dailyrealestateinfo.com

AFP - The remains of several unknown insect species which became extinct long before dinosaurs stopped roaming the earth have been discovered in pieces of 110-million-year-old amber found in Spain, researchers said Thursday.

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