"TEXAS LEADS NATION IN FHA-BACKED HOME LOANS"
06/25/08
Dallas Texas is the No. 3 county for FHA* volume in the entire country, because whit the shakeout in the mortage industry, federally backed FHA loans have a dramatically increase in volume. FHA market share has jumped from about 3% in 2005 to about 12% in 2008, that means, Texas volumes for the first quarter of this year was up almost 90% from the previous one.
It doesn't getting dramatically worse, but 2009 or maybe 2010 before you see it mostly stable. A lot of these loans should have never been made in the first place.
Since September 2007, the FHA has provided more than $76.1 billion in mortagages, but in the las October the new FHA it was 230,000 billion.
* FHA: Federal Housing Administration.
Wednesday, July 23, 2008
QUESTINOS FREDERICK DOUGLAS CHAPTER 1-5
1. How Frederick learns to disobey to his master?
2. What is the equivalent of the monthly allowance of food and their yearly clothing?
3. What consist the allowance of the slave children?
4. Describe to Mr. Hopkins.
5. How was the Great House Farm?
2. What is the equivalent of the monthly allowance of food and their yearly clothing?
3. What consist the allowance of the slave children?
4. Describe to Mr. Hopkins.
5. How was the Great House Farm?
SUMMARY I
TITANIC
"THE SHIP OF DREAMS"
JUNE 15, 2008
This chapter of the story of Titanic it's about the biggest and most famous ship, called "The King of the World". This ship was 269 meter long (882 feet), leaded by Capitan Smith, traveling to the promising city of New York.
It was a ship not safety the all because had only boats for 1,178 people when were more then 2,200 a board of the ship. Something more interesting about it, Titanic movie was more expensive than any other one on the 1990's and not all news papers and magazines liked the movie. One of them called "dead in the water".
The movie has a famous director, James Cameron, who also made the movie "The Terminator" on 1997. This director won 11 oscars in Los Angeles in March 1998, just for The Titanic.
I have fabulous memory from this movie, it was the most exiting and romantic movie on my main. Don't mater how many times I saw the movie, it makes me cry all the time.
"THE SHIP OF DREAMS"
JUNE 15, 2008
This chapter of the story of Titanic it's about the biggest and most famous ship, called "The King of the World". This ship was 269 meter long (882 feet), leaded by Capitan Smith, traveling to the promising city of New York.
It was a ship not safety the all because had only boats for 1,178 people when were more then 2,200 a board of the ship. Something more interesting about it, Titanic movie was more expensive than any other one on the 1990's and not all news papers and magazines liked the movie. One of them called "dead in the water".
The movie has a famous director, James Cameron, who also made the movie "The Terminator" on 1997. This director won 11 oscars in Los Angeles in March 1998, just for The Titanic.
I have fabulous memory from this movie, it was the most exiting and romantic movie on my main. Don't mater how many times I saw the movie, it makes me cry all the time.
FLAT STANLEY PROYECT
FLAT STANLEY
Then Stanley went with my son Roy to play in his room.
Stanley wants to take a rest watching cartoons on T.V.
After he watched cartoons we went to HEB to buy groceries.
On Friday we went to the North Star Mall to visit my sister to her job, she was so happy for see us.
The past Saturday my family and I went to a baby shower with my cousin in law.
And on Sunday we went to enjoy the day with friends to their house.
Stanley was washing the dishes with my mom one per one.
Then Stanley went with my son Roy to play in his room.
Stanley wants to take a rest watching cartoons on T.V.
After he watched cartoons we went to HEB to buy groceries.
On Friday we went to the North Star Mall to visit my sister to her job, she was so happy for see us.
The past Saturday my family and I went to a baby shower with my cousin in law.
And on Sunday we went to enjoy the day with friends to their house.
Friday, July 18, 2008
THE DOG WHO SPOKE SPANISH
It was a wonderful evening, when Robert fined a big dog on the street. The dog was beautiful and hungry, it looks a good dog for Robert, He decided to keep it and take it to home.
Robert doesn’t have any family, so he needs some company. They arrive to his home and toke the dog to back yard and give it some food, and wait for the dog outside to finish the food. Robert stared look the dogs behavior, he notates the dogs education.
Robert invites to the dog to get inside the house. When the dog gets inside, he took a chair and has a sit. Robert knows he was acting like a person, so he starts to talk with the dog about his problems and the dog answered but in Spanish. Robert doesn’t know any Spanish but the dog understand English, that why he answered to his conversation.
Robert was very surprised about it and diced to teach the dog English classes, like reading, speaking and grammar.
After a few days they were the best friends in this world. And Robert start to makes money from the dog.
Robert doesn’t have any family, so he needs some company. They arrive to his home and toke the dog to back yard and give it some food, and wait for the dog outside to finish the food. Robert stared look the dogs behavior, he notates the dogs education.
Robert invites to the dog to get inside the house. When the dog gets inside, he took a chair and has a sit. Robert knows he was acting like a person, so he starts to talk with the dog about his problems and the dog answered but in Spanish. Robert doesn’t know any Spanish but the dog understand English, that why he answered to his conversation.
Robert was very surprised about it and diced to teach the dog English classes, like reading, speaking and grammar.
After a few days they were the best friends in this world. And Robert start to makes money from the dog.
CHAPTER 18
Wilvers phoned Forley on Thursday to say he needed .some money....and wanted to ...sell.. something, which explained the.money... on Forley’s desk. Also, Wilvers ..lied.. about the test results on Friday, saying Forley had a brain tumor. Wilvers knew about the ...gun.. and was sure Forley would..kill.... himself. Wilvers knew Lisa was having an .affair...with Forley, but didn’t want Sam to grow up without a ....mother..
ANSWERS CHAPTER 16
a) Ronald Crowther covered his face with his hands. We were having friends to dinner, and someone started discussing the war. I'd drunk rather a lot, and stupidly told them about it. Alex loved old things, and of course he wanted to see it. Then he said it might be worth a lot of money. He asked if he could borrow it to have it valued. I couldn't see any harm in it, so I gave it to him.
b) In the Crowther's home, were the Wilvers and Amanda Grant, the tight little circle that had surrounded Forley until he died.
c) Catherine Crowther said 'Me?, You want to question me? But I thought...'
d) Lisa Wilver, said Catherine Crowther, looking angry.
e) Catherine Crowther feel very angre when she heards about this affair. Thats why the colors of the latest painting. Because Lisa wasn't a very nice person, though he always belived the best of eveybody.
f) Eliot felt she was telling him the truth. As a strong woman, she was clearly not used to lying. But her guilt about her feelings for Forley had made her very confused.
b) In the Crowther's home, were the Wilvers and Amanda Grant, the tight little circle that had surrounded Forley until he died.
c) Catherine Crowther said 'Me?, You want to question me? But I thought...'
d) Lisa Wilver, said Catherine Crowther, looking angry.
e) Catherine Crowther feel very angre when she heards about this affair. Thats why the colors of the latest painting. Because Lisa wasn't a very nice person, though he always belived the best of eveybody.
f) Eliot felt she was telling him the truth. As a strong woman, she was clearly not used to lying. But her guilt about her feelings for Forley had made her very confused.
CHAPTER 13
1. Eliot needs answers to these questions:
a Why were the Crowthers not telling him the truth? Because they give the gun to Alex.
b Had Catherine Crowther been having an affair with Forley? No, but she was in love with him.
c What had made her suddenly change her style of painting? Because she was jelousy of Lisa.
d And did anyone visit Forley after Wilver had left on Friday? No, Wilver was the last visit.
e And what had Forley been so worried about? What do you think? Forley had been so worried about his health, because his mother died because cancer, and he was having strong headaches.
a Why were the Crowthers not telling him the truth? Because they give the gun to Alex.
b Had Catherine Crowther been having an affair with Forley? No, but she was in love with him.
c What had made her suddenly change her style of painting? Because she was jelousy of Lisa.
d And did anyone visit Forley after Wilver had left on Friday? No, Wilver was the last visit.
e And what had Forley been so worried about? What do you think? Forley had been so worried about his health, because his mother died because cancer, and he was having strong headaches.
CHAPTER 11-12
True or false?
a Eliot slept through most of the football match. (FALSE)
b Bowen looked tired and stressed. (TRUE)
c Forley’s diary was not written in English. (TRUE)
d Wilver’s wife was relaxed and cheerful. (FALSE)
e The Wilvers’ sitting room was in an awful mess. (TRUE)
f The tests showed there was something wrong with Forley.(TRUE)
CHAPTER 12
1. Look at the words in italics. Who is he, you, she?
a Forley said he wanted my advice about something.
b And would you say Mr. Crowther was a weak man, sir?
c Catherin is good-looking enough, but she obviously rules his life.
d Bowen Be careful with the women you choose.
e Philiph's hiding something from us too.
a Eliot slept through most of the football match. (FALSE)
b Bowen looked tired and stressed. (TRUE)
c Forley’s diary was not written in English. (TRUE)
d Wilver’s wife was relaxed and cheerful. (FALSE)
e The Wilvers’ sitting room was in an awful mess. (TRUE)
f The tests showed there was something wrong with Forley.(TRUE)
CHAPTER 12
1. Look at the words in italics. Who is he, you, she?
a Forley said he wanted my advice about something.
b And would you say Mr. Crowther was a weak man, sir?
c Catherin is good-looking enough, but she obviously rules his life.
d Bowen Be careful with the women you choose.
e Philiph's hiding something from us too.
CHAPTER 8-9
1. Match the beginnings and endings of the sentences.
Eliot thought Amanda had a the same first namestrong feelings for Forley as Forley’s doctor.Bowen was interested b but there had been to know what problems between them.
There was a message from c there was £2000 ina man called Philip – cash on the desk. Bowen was surprised that beacuse the money. Eliot knew Forley hadn't had not been stolen. Been killed for money felt about each other Amanda and Catherine.
CHAPTER 9
1. Match the questions with the answers.
1 ‘You said yesterday that you a ‘... He’d had a lot ofdidn’t believe it was suicide. headaches, and he tookWhat made you so sure?’ them very seriously.’
2 ‘And was Mr Forley in a b ‘... She didn’t always difficult situation? understand him andIt caused problems between them.
3 ‘Now, you mentioned a gun last night. Can you tell me c ‘Well, I could see he had more about it?’ something on his mindthat he wouldn’t talk about.’
4 ‘Now, I understandMr Forley had been worried d I didn’t know what I wasabout his health. Could saying yesterday, Inspector you tell me about it?’ Of course, it’s possible. that he killed himself.
5 ‘What was his relationshipwith Miss Grant like?’ e ‘Did I? I was so shockedyesterday. I’ve forgottenwhat I said.’
Eliot thought Amanda had a the same first namestrong feelings for Forley as Forley’s doctor.Bowen was interested b but there had been to know what problems between them.
There was a message from c there was £2000 ina man called Philip – cash on the desk. Bowen was surprised that beacuse the money. Eliot knew Forley hadn't had not been stolen. Been killed for money felt about each other Amanda and Catherine.
CHAPTER 9
1. Match the questions with the answers.
1 ‘You said yesterday that you a ‘... He’d had a lot ofdidn’t believe it was suicide. headaches, and he tookWhat made you so sure?’ them very seriously.’
2 ‘And was Mr Forley in a b ‘... She didn’t always difficult situation? understand him andIt caused problems between them.
3 ‘Now, you mentioned a gun last night. Can you tell me c ‘Well, I could see he had more about it?’ something on his mindthat he wouldn’t talk about.’
4 ‘Now, I understandMr Forley had been worried d I didn’t know what I wasabout his health. Could saying yesterday, Inspector you tell me about it?’ Of course, it’s possible. that he killed himself.
5 ‘What was his relationshipwith Miss Grant like?’ e ‘Did I? I was so shockedyesterday. I’ve forgottenwhat I said.’
Wednesday, July 9, 2008
SUMMARY II
“BUT WAS IT MURDER?”
CHAPTER 13
“ HOME AT LAST”
ESOL 4
Date: July 9, 2008
This chapter it’s about Eliot was thinking at his home about Foley’s case. Eliot sat at his computer and looked at a report he had stared on Friday. But questions about the Foley case filled his mind, and he could not push them away.
Why were the Crowthers not telling him the truth? Had Catherine Crowther been having an affair with Foley? What had made her suddenly change her style of painting? And did anyone visit Foley after Wilver had left on Friday? Catherine Crowther would not have seen if they had arrived after one o’clock and gone out through the back gate. And what had Foley been so worried about?
Eliot was thinking also about Foley’s friends would miss him but they had their own lives. And Amanda Grant was strong enough to start again. It was not Eliot’s business if the Crowthers and the Wilvers had problems with their marriage. He hoped the pathologist would say it was suicide, and that would be the end of it.
But Eliot’s feelings told him it was more complicated than suicide. He knew that two people were lying and maybe more. What were they trying to protect?
CHAPTER 13
“ HOME AT LAST”
ESOL 4
Date: July 9, 2008
This chapter it’s about Eliot was thinking at his home about Foley’s case. Eliot sat at his computer and looked at a report he had stared on Friday. But questions about the Foley case filled his mind, and he could not push them away.
Why were the Crowthers not telling him the truth? Had Catherine Crowther been having an affair with Foley? What had made her suddenly change her style of painting? And did anyone visit Foley after Wilver had left on Friday? Catherine Crowther would not have seen if they had arrived after one o’clock and gone out through the back gate. And what had Foley been so worried about?
Eliot was thinking also about Foley’s friends would miss him but they had their own lives. And Amanda Grant was strong enough to start again. It was not Eliot’s business if the Crowthers and the Wilvers had problems with their marriage. He hoped the pathologist would say it was suicide, and that would be the end of it.
But Eliot’s feelings told him it was more complicated than suicide. He knew that two people were lying and maybe more. What were they trying to protect?
Monday, July 7, 2008
Summary of chapter 3
Forley lived _alone_, but cared for his house more than most than many sigle man and had good _luck_ and money. Eliot spoke to Forley's _friends. Mr. Crowder was middle- aged but his wife was _blond, beautiful and much younger. They hadn't seen Forley for a week but had expecting him at Friday that afternoon. Mr. Crowther said Forley was like a son to them.
ANSWERS OF CHAPTERS 3-8
1. They are a rich couple, she es yonguer than him and she is a beatiful woman with blond hair and good body. But he is a old man so looks tired and he does not speak to much.
2. Eliot was worried because he saw two kids stolled a car in the past days and one of them had only 10 years old, only 2 years older than Micky. Micky is a normal boy, he is gentle and he wants to protect Micky from the worst elements of city life.
3. It was one of thos big antique furniture shops on Park Street, with expensive and exclusive staff.
4. Are so busy because there are a lot of parties and young people drunk, they became noisy and violent. There were often fights.
5. Amanda Grant, she touched the man's right hand for a moment. Then she started to cry.
6. Amanda's house was not on a road, but looked directly out over the river, with only her garden and a public path in between. It was small, but very attractive.
Amanda is a dark-haired woman in her late twenties, dressed in jeans and a long bright-coloured pullover. She looked rather pale and tired. She was no beatiful like Catherine, but she had an attractive face.
2. Eliot was worried because he saw two kids stolled a car in the past days and one of them had only 10 years old, only 2 years older than Micky. Micky is a normal boy, he is gentle and he wants to protect Micky from the worst elements of city life.
3. It was one of thos big antique furniture shops on Park Street, with expensive and exclusive staff.
4. Are so busy because there are a lot of parties and young people drunk, they became noisy and violent. There were often fights.
5. Amanda Grant, she touched the man's right hand for a moment. Then she started to cry.
6. Amanda's house was not on a road, but looked directly out over the river, with only her garden and a public path in between. It was small, but very attractive.
Amanda is a dark-haired woman in her late twenties, dressed in jeans and a long bright-coloured pullover. She looked rather pale and tired. She was no beatiful like Catherine, but she had an attractive face.
Wednesday, July 2, 2008
IDIOMS
1. Cost an arm and a leg: to cost too much
* The new motorcycle cost my brother an arm and a leg.
2. Feel like a million dollars: to feel wonderful
* I feel like a million dollars today so I think that I will go for a long walk.
* The new motorcycle cost my brother an arm and a leg.
2. Feel like a million dollars: to feel wonderful
* I feel like a million dollars today so I think that I will go for a long walk.
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