Money IQ: The 5 C’s of Mortgage Banking
Money IQThe 5 C’s of Mortgage Banking
The five most important items when evaluating a mortgage loan application are described below: Characteristics, Capacity, Cash to Close, Character (credit) and Collateral.
Explaining the 5C’s in an understandable method is the most important tool to ensure a great customer experience.
Characteristics
In mortgage lending characteristics are described as follows. It is the intent on every loan application to be able to describe the following.
1. What type of product is the customer applying for and knowing all of the requirements Read More
Submit Ideas to Community Trail Plan OPEN Forum
Community Trail Plan OPEN Forum
What improvements to trails and signage should Los Alamos County make to enhance the County Trail Network?
The Parks Division seeks comments on a draft Community Trail Plan.
The plan evaluates the current conditions and layout of the network, and makes recommendations for specific projects to improve not only individual trails but also the organization of the entire network.
Share your opinion right now online!
Forward this email to encourage your contacts to join in Los Alamos County’s online Open Forum.
Photographer David Noble Shares His Story Thursday
Photographer David Noble. Courtesy photoBy KIRSTEN LASKEY
Have you ever looked at a piece of art or read a book and wondered what were the circumstances leading to its genesis?
In his newest book, “In the Places of the Spirits,” photographer and author David Noble gives readers the inside scoop on his art.
He also will share his story during the Authors Speak lecture at 7 p.m., Thursday at Mesa Public Library. The creation of his newest book is no short story. It actually spans 30 years.
Noble said he became interested in photographing the Southwest in the 1970s. He was hired as a photographer by the Read More
NMHSCA Announces 2013 Hall of Honor Inductees
NMHSCA News:
The New Mexico High School Coaches Association Announces 2013 Hall of Honor inductees
Robert “Bobby” Rodriguez of Santa Fe, George Frederick of Carlsbad and Jack Cisco of Hatch will all be in inducted into the NMHSCA Hall of Honor at the Bobby Gibbs Awards Luncheon Wednesday, July 31 at the Crowne Plaza in Albuquerque.
The Coaches Hall of Honor is an award for outstanding service as a coach to the student-athletes of New Mexico and for outstanding service to the New Mexico High School Coaches Association. The NMHSCA Hall of Honor is housed at the NMAA Hall of Pride and Honor in Albuquerque. Read More
Local Author Distributes Books in Honor of World Book Night
Local author Inez Ross distributed free books, including one of her own novels in honor of World Book Night. Photo by Bonnie J. Gordon/ladailypost.comStaff report
Tuesday, April 23, Shakespeare’s birthday, volunteers across the U.S. and in Europe gave away thousands of paperback books with the goal of increasing interest in reading for light or non-readers.
An independent panel chooses the books, which are in any genre, modern or classic. Authors waive their royalties, and publishers agree to pay the cost of producing the special editions for World Book Night.
Los Alamos Read More
Youth Business Grants Available for Young Entrepreneurs
LABAS News:
Los Alamos Business Assistance Services and the local community are sponsoring grants to young entrepreneurs.
Each applicant is required to write a mini-business plan, which is due May 16. Download the application at www.losalamosbusiness.com.
A committee of business advisors and business community leaders interview, select and mentor the candidates throughout the summer. David Jolly of Metzger’s said that what he enjoyed about being a mentor was “being able to spend some time with some of them, working with them on the importance of the business side of their business Read More
Luján: Sequester Cuts Will Impact Ability to Address Climate Change
U.S. Rep. Ben Ray Luján
U.S. CONGRESSIONAL News:
WASHINGTON, D.C. – U.S. Rep. Ben Ray Luján of New Mexico’s Third District spoke on the House floor last night on the negative impact that the sequester’s arbitrary cuts will have on the effort to address climate change.
“Mr. Speaker, at a time when our communities are dealing with the impact of climate change, cuts from the sequester will negatively impact our long-term efforts to combat this challenge.
“Energy conservation is a vital component of reducing carbon emissions. Weatherization programs and the Read More
YAC’s Director Paul Martinez Hits Milestone!
“Happy 60th Birthday to a very special Dad and Grandpa!” –Love, from all of your family! The Youth Activity Centers are operated through Los Alamos Family Council (LAFC) as a natural part of LAFC’s mission to enhance the quality of life through prevention of substance use and abuse. The programming
Possibly First Ever Sighting of Long-billed Curlews in Los Alamos
Long-billed curlews in grassy areas north of San Ildefonso Road. Photo by Dave Yeamans
Long-billed curlews in grassy areas north of San Ildefonso Road. Photo by Dave YeamansCatherine LeClaire Memorial Organ Fund Concert May 19
IHM News:
- Catherine LeClaire Memorial Organ Fund Concert Set for May 19
The public is invited to attend an upcoming musical concert hosted by Immaculate Heart of Mary (IHM) Catholic Church of Los Alamos – the third in its series of free concerts to raise money for the Catherine LeClaire Memorial Organ Fund.
The concert will take place at 4 p.m. Sunday, May 19 at IHM, and will showcase the talents of a number of fine musicians from IHM and other churches and musical groups from around northern New Mexico.
Among the featured groups will be an accapella group of 12 voices “Memorare” (meaning ‘To Read More
Letter to the Editor: Only One Site Creates ‘Ambient Repose’
By JOEL M. WILLIAMSWhile the leaders of the County profess a desire to make Los Alamos a more desirable “destination,” it strikes me that none of the places to stay have any ambience to make anyone want to spend even a single night here.
Low level shot: by csturgeo (Selected for Google Earth Read More
OBITUARY: William Gaskill Aug. 29, 1942–Jan. 22, 2013
WILLIAM E. GASKILL Aug. 29, 1942 – Jan. 22, 2013
William E. Gaskill (Bill) passed away Tuesday, Jan. 22, 2013 at the age of 70.
During his last days he was surrounded by his family and friends while in Kaseman Presbyterian Hospice in Albuquerque.
He is survived by his wife Virginia (Ginny); four daughters: Christine Gabaldon of California, Debra and husband Eric Larson of Jemez Spring, N.M., Laura Williams of Alaska and Lisa Shonrock of Albuquerque, N.M.; eight grandchildren: Antonio, Amanda, Sarah, Rachel, Joshua, Megan, Remington and Carl; four brothers and their wives: Dick and Kathleen, Read More
LANL Employees Receive Pollution Prevention Awards
Molten plutonium in a crucible. The improved processing of old plutonium generates less than half of the waste of the former process. Courtesy/LANL
LANL News:
- Protecting environment, saving taxpayer dollars
Nearly 400 Los Alamos National Laboratory employees on 47 teams received Pollution Prevention awards for protecting the environment and saving taxpayers more than $8 million.
The employees were recognized at the Laboratory’s annual Pollution Prevention Awards ceremony Monday April 22, Earth Day.
“The Pollution Prevention Awards are the result of people taking the initiative Read More
Physical Therapy Plus Celebrates 25 Years
From left, Office Manager Michelle Pinkerton and Physical Therapy Plus owner Annette Weyrauch at their Los Alamos location. Photo by Greg Kendall/ladailypost.com
By GREG KENDALL
Los Alamos Daily Post
Annette Weyrauch, MSPT, is celebrating 25 years of providing physical therapy services in Los Alamos.
Weyrauch owns Physical Therapy Plus, Inc. with locations in Los Alamos, Santa Fe and Pojoaque. She began her business working as the only physical therapist and has grown to employ seven physical therapists among her three offices.
Her Los Alamos office is open Tuesday through Friday and Read More
Terry Wallace, Mike Wismer Join Great Conversations!
LAPSF News:
Great Conversations is an afternoon of delicious appetizers and desserts and an in-depth conversation with a subject area expert.
This is the 4th Annual Great Conversations hosted by the Los Alamos Public Schools Foundation and it takes place 2-5 p.m., April 28 at Los Alamos High School in the new building.
This is the sixth in a series about the conversations that will take place:
Terry Wallace: Earthquakes, Meteorites and Hurricanes – Rockin’ the Crowded Planet!
Terry Wallace is the Principal Associate Director for Global Security at Los Alamos National Laboratory. Read More
Atomic Flying Pickles Attend White House Science Fair
The Atomic Flying Pickles. Courtesy Photo
GIRL SCOUT News:
The Atomic Flying Pickles of Los Alamos were selected to attend the third annual White House Science Fair Monday, April 22.
Newest Los Alamos Living Treasures Honored
The audience listens to Living Treasures Board Member Pauline Schneiders. Photo by Bonnie J. Gordon/ladailypost.comStaff report
The three newest Los Alamos Living Treasures were honored at an Awards Ceremony Sunday. Lee Builta, Rosmarie Frederickson and Craig Martin join a distinguished group of Los Alamos citizens honored since 1999 for their contributions to the community.
Friends, colleges and fellow volunteers stepped forward to tell stories of how the three Treasures had impacted the community and their own lives. Read biographies of the three new Living Treasures here.
Living Read More
Food on the Hill: Frozen Pina Colada Pie
This week’s Recipe:
Frozen Pina Colada Pie
Photo by Sue York/ladailypost.com
Ingredients:
Directions:
Photo by Sue York/ladailypost.com
Spread the coconut out on a baking sheet and place under broiler to toast. Watch this very carefully, mix as needed. Set aside to cool.
Photo by Sue York/ladailypost.com Read More
Cathy Faber’s Swingin’ Country Band Performs April 27
Log In for LAHS by April 30!
LAHS News:
Los Alamos High School has a chance to win $2,500 in the Rally4Rewards contest sponsored by U.S. Bank through the New Mexico Activities Association (NMAA.)
All that’s required is logging on before April 30 to the websites listed below and voting for LAHS.
Moriarty and Los Lunas are the other two high schools in the LAHS division. LAHS was in the lead before spring break, but has dropped behind Moriarty by more than 1,000 votes.