by Norman on March 1, 2010
Go Boldly NASA
Write a Letter to Congress : 7,760 Letters Sent So Far
| Currently, the United States stands as the leader in human space exploration. However, the President’s recently proposed NASA budget will forfeit that leadership. The proposed budget cancels the Constellation Program, the only current replacement for the Space Shuttle, in the very same year that the Space Shuttle will be retired. This cancellation effectively ends our country’s human exploration program beyond Low Earth Orbit. It also places our ability to perform human spaceflight on the Russians as well as the shoulders of an immature and unproven commercial space market. The development of commercial spaceflight is good for our country, but not at the sacrifice of our human space exploration program.
At a time when job creation is highest among our nation’s concerns, the President’s proposed NASA budget would cut many thousands of high tech jobs across the country. Once NASA loses these highly skilled workers, their years of practical knowledge and experience will leave a gaping hole in the agency’s capabilities.
NASA pushes the frontiers of exploration and discovery, boldly taking on seemingly impossible challenges. No other nation has ever placed a person on the moon. People all over the world admire NASA for its courage, innovation, and persistence: a representation of America itself. NASA’s pioneering in human space exploration provides inspiration to continue to develop innovative concepts in healthcare, energy, education as well as many other fields.
It is critical to our country’s success to remain the leader in human spaceflight; however, the President’s proposed 2011 budget for NASA leads the United States into an uncertain future in space. Therefore, I urge you to grant NASA the charter to build on the current successes of our nation’s human space program. The responsibility now lies with this Congress to provide the leadership and resources necessary to move beyond Low Earth Orbit and solidify America’s leadership in space exploration.
Thank you for your consideration. |
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by Norman on February 19, 2010
Those Who Wait Will Pay Thousands More This Spring
Waiting a few extra days or weeks to purchase a home this spring could
cost buyers thousands of extra dollars as the office of Housing and
Urban Development (HUD) implements several changes for loans guaranteed
by the Federal Housing Authority (FHA).
Coming just weeks before the April 30 deadline for the Home Buyer Tax
Credit and just days after the March 31 expiration of the Federal
Reserve Board's mortgage backed securities purchase program (which has
kept home loan rates artificially low for over a year), these FHA
changes make it even more important to act now to save big.
Here are a few reasons why:
On April 5th, the cost of required up-front mortgage insurance for loans
guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower
purchasing a $200,000 home with a $7,000 down payment, the up-front
mortgage insurance will increase by $965. Up-front mortgage insurance is
typically financed in the final loan amount so the impact to a monthly
payment will be minimal but overall, the increase is still borne by the
borrower both upfront and monthly.
It is important to note that in order to be eligible for the lower cost
up-front mortgage insurance, a lender has to order a case number from
the FHA before April 5th. A case number can only be generated for loan
applications where a property is involved and a fully executed purchase
contract exists. Home buyers who have been pre-approved but are not
under contract will not be eligible for the reduced premium effective
April 5th.
Later this spring, the amount of money that a seller can return to the
buyer from their sale proceeds will be reduced from 6% to 3%. The
reduction in these "seller concessions" can increase the amount of cash
a buyer will be required to pay at closing by $6,000 for a home purchase
of $200,000.
There is only one way to avoid being affected by all of these costly
changes that lie ahead - submit all FHA mortgage applications by the
last week of March.
There you have it. How can I help you to save money and get into your dream home?
Call me at 713.818.0829........ and hurry!
