Tips For Locking in the Best Home Mortgage Rate

By [https://EzineArticles.com/expert/Mick_Taylor/640236]Mick Taylor 

Tip #1: Always Shop For Home Mortgage Rates

Don't blindly accept a Realtor or Builder referral to apply for a Home Mortgage through their preferred lender. Many times they will say, "We work closely with this guy and he gets the job done". Translation: "We play golf together and he buys the beer". Remember, the Realtor won't be paying the bill each month for the next 30 years, you will.

Mortgage Loan Officers that work off of a referral network of Realtors and Builders don't have to have competitive Home Mortgage Rates because they have a steady stream of "Drones" (people who are referred to them and don't shop) calling them. Shop around, get the lowest cost Home Mortgage Rate, then if you are inclined, approach the "preferred" Loan Officer you were referred to and ask him to match the quote.

If you apply for a Home Mortgage through a preferred lender without shopping, you will pay hundreds or even thousands of dollars in additional costs.

Tip #2: Call For Home Mortgage Quotes After 11:00 a.m. Eastern Time

Mortgage Rates change each day and sometimes midday. The previous day's rates typically expire by 8:30 a.m. the next morning. Generally, Home Mortgage Rates are published each day by 11:00 a.m. Eastern time. This varies from lender to lender. To make sure you are getting Home Mortgage Rates from the current day and not a mixture of rates from the previous day from some lenders and the current rates from other lenders, always do your rate shopping after 11:00 a.m. Eastern time.

Get all your quotes after 11:00 a.m. Eastern time.

Sometimes Home Mortgage Rates change midday due to a volatile bond market. When this happens, some Home Mortgage Lenders will adjust the Discount Points for their rates in accordance with the new bond prices and publish new Home Mortgage Rates for that day. Other Lenders may continue to honor their morning rates.

Tip#3: Always Tell The Mortgage Loan Officer You Are Prepared To Apply For A Loan NOW

If you are buying a home, tell the Home Mortgage Loan Officer you are Rate shopping and you have a "ratified contract" to purchase a house. Tell him you intend to make a decision and Lock-In a rate on that day, but you have to check a few other lenders. If he asks you how his rates compare to the others, tell him he's the first person you've called. If you are refinancing, tell the Home Mortgage Loan Officer you are ready to apply for a Refinance Home Mortgage today. If you don't tell him that, he may provide a fake Home Mortgage Rate quote.

Loan Officers know you will probably talk to another lender with lower Home Mortgage Rates and the only way he can be sure for you to call him back is to give you a fake quote that appears to be the lowest. He's expecting you will rate shop for several days and figures you will call him back in a day or two because he provided a low, bogus rate quote. Also, since Home Mortgage Rates change daily and are subject to change at any time, he's not concerned about giving you a fake quote.

How will you compare quotes if you don't know which quotes are real and which are part of a bait and switch plan? The only way to ensure getting real quotes is to box in the Home Mortgage Loan Officers by making them think you are ready to Lock-In a Home Mortgage Rate immediately.

Tip#4: Ask For The Total Points And The Total Fees

When you call a Mortgage Lender, ask for the "Total Points" (Discount Points, Loan Origination Fee, Broker Points) for each Home Mortgage Rate. Some lenders will only quote the Discount Points and deliberately leave out the Loan Origination Fee. You won't find out about the 1.00 Point Loan Origination Fee until you apply for the Home Mortgage. By that time, the Loan Officer figures you will just accept it because he's got your application and pulled your credit report. In addition, Mortgage Brokers often neglect to mention their Broker Fee.

Some lenders do not charge a Loan Origination Fee.

When you are quoted the Total Points, specifically ask them if there is an additional Loan Origination Fee or Broker Fee being charged. You truly have to nail this down when you talk to a Home Mortgage Loan Officer.

Also, ask for a list of ALL other fees that will appear on the Good Faith Estimate that you will be paying to the Lender or Broker. Make sure they include their Credit Report and Appraisal Fees. Some lenders charge one lump sum fee and that includes the Credit Report and Appraisal Fees while other lenders will itemize each fee. Keep it simple and ask for all fees, including the cost of the credit report and appraisal fees.

Don't get confused by Title Company, Attorney Fees or Escrows. A lender will estimate these on your Good Faith Estimate, but these charges are not related to costs associated with a Mortgage Rate quote. The amount required for your escrow account will not change from lender to lender and Title Company and Attorney Fees are not being charged by the lender. Don't include them in your comparison.

Tip#5: Always Confirm The Rate Lock Period When Asking For A Rate Quote

If you are buying a home and you need 60 days to close, make sure you specifically request Mortgage Rate quotes with a 60 Day Lock period. Some Home Mortgage Loan Officers will quote rates with 15 Day or 30 Day Lock periods because the Discount Points for shorter lock periods are less than rate locks for longer periods. Quoting a Home Mortgage Rate with a 15 Day lock period obviously gives that Loan Officer an unfair edge. It is also a waste of your time because the quote isn't real if you can't settle on your loan within 15 days. Always specify a 60 Day Lock-In if you are buying a home. Ask for 45 Days if you are refinancing, but you may be able to get it done within 30 days if you are very diligent and call your Home Mortgage Loan Officer twice a week for a status of your application.

If your rate lock expires, the lender will re-lock you at the higher of either the original rate or the current rate when you decide to re-lock. That's a LOSE/LOSE situation for you. Never let your rate lock expire.

Tip#6: Compute The Dollar Cost Of The Points And Add All Fees

After you've spent some time talking to a bunch of Mortgage Loan Officers, you will have lots of Rates, Points and Fees on a sheet of paper. You will need to compute the dollar cost of the Points (multiply the mortgage amount X the Total Points expressed as a percent; For example, multiply 400,000 mortgage amount X.625% for.625 Points). Then add the dollar cost of the points to the Total Fees. You can then compare each Home Mortgage Lender's Total Cost (dollar cost of the points + all lender related fees) for a given rate. That will show you which Home Mortgage Lender has the lowest cost Home Mortgage Rates.

If Mortgage Insurance (not to be confused with mortgage life insurance) is required on a Conventional Home Mortgage, ask for the cost per year expressed as a percent and compare it from lender to lender. Some lenders require different levels of coverage and this will affect your monthly Mortgage Insurance payment. In addition, lenders use several different mortgage insurance companies and they charge different rates for their coverage. The lender will select the mortgage insurance company.

The cost of Mortgage Insurance can vary from lender to lender even though most Home Mortgage Loan Officers will say, "We don't determine the Mortgage Insurance coverage, Fannie Mae and Freddie Mac do". Your can just say, "Please humor me and provide the Monthly Mortgage Insurance expressed as a percent".

You will want to check the quoted percent with what is on your initial application documents and final loan documents to make sure the Monthly Mortgage Insurance payment isn't higher than what you were quoted. If it is, get it reduced immediately. If they won't do that, then ask them to reduce your Home Mortgage Rate by.125% and that should cover the difference.

If you are getting a government insured mortgage (FHA or VA), you don't have to get into a comparison of the FHA MIP or the VA Funding Fee. This is a cost you will be paying, however every lender MUST use the same costs, so there is no reason to attempt to compare these costs from lender to lender.

Tip#7: When You've Found The Lowest Cost Rate, Apply and Lock The Rate

While you were looking for houses or thinking about refinancing, you may have shopped around and gotten some quotes from lenders and narrowed down your search to the best 5 Home Mortgage Lenders or Brokers. But when it is time to apply for your Mortgage, make sure you update your quotes for the 5 lowest priced Home Mortgage Lenders. After you identify the Home Mortgage Lender with the lowest cost rate, call and apply for the loan. Tell the Home Mortgage Loan Officer you want to Lock-In your Home Mortgage Rate and apply NOW. If the quote has changed since you updated your quotes a couple of hours before, tell the Loan Officer you want him to honor the previous quote. If he won't do it, tell him you may call back. Then call the next cheapest Home Mortgage Lender on your list. If that lender tells you the same thing, you can go back to the first lender and proceed with the application process.

Before you provide your application information, make sure the Home Mortgage Loan Officer agrees to provide you with an actual Rate Lock confirmation via email or fax on the same day you apply for your loan. When you receive the Rate Lock confirmation, check it and make sure you are Locked-In for the number of required days (30, 45 or 60), with the correct Loan Type (30 Year Fixed, 15 Year Fixed, etc.), with the correct Total Points quoted. It's normal for a lender to require you to apply over the phone before they will Lock-In your Home Mortgage Rate.

TIP#8: Never Float The Rate

If the Mortgage Loan Officer thinks you might be inclined to FLOAT your Rate and Points, he may say, "I think the rates are going to be coming down, so you might want to FLOAT". Remember this, never FLOAT your Home Mortgage Rate. Never. Always Lock-In the Rate and Points. If you FLOAT, and the Discount Points for Home Mortgage Rates drop, you will only realize the benefit of a small part of that drop in the Points, if any at all. The Home Mortgage Loan Officer will keep the rest of the savings as a fat commission.

Here's how they increase their commission when you FLOAT. Originally, the lender quoted 4.875% with 1.00 Total Point when you applied for your loan. Then 45 days later you called to Lock-In. Keep in mind that over the 45 day period that you were FLOATING, the actual Points for 4.875% dropped to.250 Total Points. So you should have saved.75 Total Points on your 4.875% rate. Right? No! First, you don't know if his company's points have dropped or by how much they might have dropped. So, instead of giving you 4.875% for.250 Total Points, the Home Mortgage Loan Officer tells you his rates only dropped a little bit. He says you can Lock-In 4.875% for.75 Total Points. You are happy because it is.25 lower than what it was when you applied for your loan, but the Home Mortgage Loan Officer is ecstatic because he keeps half of the "overage" you paid. That overage is.50 points and he splits this with his company. If the mortgage amount was $400,000, he just earned.25% which is an additional $1,000 commission. That's not bad for a five minute phone conversation.

If you FLOAT and the Discount Points for Mortgage Rates increase, you will pay for the increase. FLOATING is a LOSE/LOSE proposition for you and a WIN/WIN for the Home Mortgage Loan Officer.

Some companies quote very low rates and attract lots of applications, but they don't let you Lock-In until 15 Days prior to loan closing. If you apply for a Mortgage through a company with that policy, you will get screwed. When it's time to Lock-In your Mortgage Rate, you will pay an "overage" that will go straight to the Mortgage Loan Officers pocket. You will either pay more points for the rate you requested at the time of application or you will get a higher rate. Either way, you will get screwed and the Loan Officer will get a fat overage added to his commission.

Tip#9: Get a Final Good Faith Estimate Several Days Before Loan Closing

Get a copy of the Final Good Faith Estimate at least a few days before the scheduled closing day. Check the Mortgage Rate, Points, Fees and Monthly Mortgage Insurance Premium (if applicable). Make sure you are getting exactly what you bargained for. Ask questions if you don't understand something. Demand that previously undisclosed fees be removed from the Final Good Faith Estimate. Make sure you get a revised estimate if the Mortgage Loan Officer verbally agrees to make changes.

The day of loan closing is the wrong time to haggle over discrepancies. http://homefunding.com

Article Source: [http://EzineArticles.com/?Tips-For-Locking-in-the-Best-Home-Mortgage-Rate&id=4271545] Tips For Locking in the Best Home Mortgage Rate

Loans Guide

By [https://EzineArticles.com/expert/Bill_Stone/199517]Bill Stone 

Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today. 

Bad Credit Personal Loan

A Bad Credit Personal Loan is a loan designed for the many people with a bad credit rating. However created, your past record of County Court Judgements, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal. If you are a home owner with equity in your property, a Bad Credit Personal Loan can bring that normality back to your life. Secured on your home, a Bad Credit Personal Loan can give you the freedom, for example, to do the home improvements or buy the new car you really wanted. With a Bad Credit Personal Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. 

Bridging Loan

A bridging loan as the name implies is a loan used to "bridge" the financial gap between monies required for your new property completion prior to your existing property having been sold. Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property.

The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. A bridging loan can also be used to raise capital pending the sale of a property. Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months. 

A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high. 

Business Loan 

A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. Business loans are generally available from £50,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. They can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term. 

They are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client.  A business loan can be secured by all types of UK business property, commercial and residential properties. 

Car Loan

The main types of car loans available are Hire Purchase and Manufacturer's schemes. Hire purchase car finance is arranged by car dealerships, and effectively means that you are hiring the car from the dealer until the final payment on the loan has been paid, when ownership of the vehicle is transferred to you. 

A Manufacturers' scheme is a type of loan that is put together and advertised by the car manufacturer and can be arranged directly with them or through a local car dealership. You will not be the owner of the vehicle until you have repaid the loan in full, and the car will be repossessed if you default on repayments. 

Cash Loan

Cash Loans also known as Payday Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds. 

A Cash Loan can assist you in this situation with short term loans of between £80 and £400. 

Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays.  To apply for a Cash Loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem. 

Debt Consolidation Loan

Debt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest. 

Secured on your home debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment - one calculated to be well within your means.  With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases.  It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life. 

Home Loan

A Home Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home loan. 

The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. 

With a Home Loan you can borrow from £5,000 to £75,000. 

Home Improvement Loan

A Home Improvement Loan is a low interest loan secured on your property. With a Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. 

A Home Improvement Loan can help you with a new kitchen, bathroom, extension, loft conversion, conservatory, landscaping your garden or new furniture. You can even use it on non-house expenditure like a new car or repaying credit card or other debts. 

Home Owner Loan

A Home Owner Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home Owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home owner loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. With a Home Owner Loan you can borrow from £5,000 to £75,000. 

Payday Loan

Payday Loans also known as Cash Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds. 

A Payday Loan can assist you in this situation with short term loans of between £80 and £400. 

Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem. 

Personal Loan

There are two categories of personal loans: secured personal loans and unsecured personal loans - See individual titles below. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan. 

Remortgage Loan

A remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property.  You can borrow from £25,000 up to £500,000. Rates are variable, depending on status.

Secured Loan 

A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances. 

Secured Personal Loan

A Secured Personal Loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. 

Student Loan

A student loan is way of borrowing money to help with the cost of your higher education. Applications are made through your Local Education Authority. A student loan is a way of receiving money to help with your living costs when you're in higher education. You start paying back the loan once you have finished studying, provided your income has reached a certain level. 

Tenant Loan

A tenant loan is an unsecured loan granted to those that do not own their own property. A tenant loan is always unsecured because in most cases, if you are renting your accommodation, you do not have an asset against which you can secure your loan. Tenants sometimes find that some loan companies will only lend money to homeowners. If you are a tenant you need to look for a company, bank or building society willing to give you an unsecured loan. 

Unsecured Loan 

An unsecured loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing the money you are borrowing, lenders tend to limit the value of unsecured loans to £25,000. 

The repayment period will range from anywhere between six months and ten years. Unsecured loans are offered by traditional financial institutions like building societies and banks but also recently by the larger supermarkets chains. An unsecured loan can be used for almost anything - a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation. 

Unsecured Personal Loan

An Unsecured personal loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. 

The amount you are able to borrow can start from as little as £500 and go up to £25,000. The repayment period will range from anywhere between six months and ten years. An Unsecured personal loan can be used for almost anything - a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.

Bill Stone writes for Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk [http://www.directonlineloans.co.uk/] website.

Article Source: [http://EzineArticles.com/?Loans-Guide&id=1151093] Loans Guide

Best Home Appliances for Summer to make your life better

 

BY ROHIT MODAK · FEBRUARY 16, 2021

Summer is coming and many people hate summer more than any other season. What’s the main reason behind that is that people sweat a lot and face many kinds of problems related to the summer season. In many countries around the world, the summer season is really not tolerable. Countries like India and Malaysia face heat waves and high humidity during the summer season. And to survive that level of heat and temperature you need some important home appliances that will help you to live comfortably during the summer season.

The top home appliances for summer are as follows

A Good Refrigerators

If you live in a place where the temperature gets above 50°C then you have to get yourself a refrigerator that will help you to preserve your food for a longer duration of time. That level of temperature is really bad for foods and edible products. So, no matter what you need a refrigerator to store your daily meals so that you can preserve them for a longer duration of time and eat it over time. Also, as we are talking about summer you definitely need cold drinks on a day-to-day basis, right? So, you can simply buy soft drinks for yourself and put it in your refrigerator.

A good air conditioner

As we are talking about summer over here when it is obvious that you need a good hair conditioner without fail. Places like India, Malaysia, and South Africa are some of the hottest places on this planet, and these places need air conditioners to live comfortably. Wild looking for a good hair conditioner I’ll suggest you go within window air conditioner because to see our condition as our really cheap and budget-friendly and also, they are really power-efficient as well you will not only save a lot of money but also, you’ll save a lot of money on electricity as well. So, a good air conditioner is really a must-have home appliance for the summer season

Recommended article: 8 Best Window AC in India for Home (2021)

A good quality air purifier.

When the temperature rises in certain areas during the summer the germs and dust in those areas also increase and people with asthma can face a lot of problems during the summer season. so if you have a good air purifier in your room then it will be able to purify your room in the best way possible. The air purifier is able to clean the air in a room in the best way possible, it is also able to detect germs present in the air and clean it more efficiently.

A good washing machines

During the summer season, we sweat a lot and our clothes get dirty really fast as compared to the winter season and we have to clean our clothes on a daily basis. But nowadays most of the people are really busy with their day-to-day job life and we hardly get time to clean our clothes so it is really important to have a good washing machine in our house. while looking for a good washing machine I’ll suggest you go with the front load washing machine because those are the ones that come with a lot of features built-in it and also you will get an inbuilt water heater so that you can wash your clothes more efficiently.

Recommended article: 8 Best Front Load Washing Machines in India 2021

Inverter for power backup

In summer when the electricity goes off that moment is the most difficult moment for everyone because when the temperature is more than 45 degrees Celsius and the humidity is really high you start to sweat and it feels really gross and uncomfortable at that moment. So, having an inverter set up in a home will not only help you to sleep peacefully but also it will help you to not sweat when the electricity goes off.

A top-quality dishwasher

Having a dishwasher in your kitchen will not only save a lot of time in your whole day but also it will help you to clean your dishes more efficiently. A dishwasher is able to clean our plates with less amount of water which saves a lot of water on a daily basis. I’ll suggest you to go with the dishwasher that comes with a built-in water heater inside. Because that feature will help you to wash your plates in the better way possible. Also, during the summer season living in your dirty place in the kitchen sink increases the number of germs by 3 times.

Recommended article: 7 Best Dishwashers in India (2021)

Conclusion

The summer season in some places is really intense and you can hardly leave comfortably if you don’t have some important home appliances in your home so this list of best home appliances for the summer season will be really helpful for you to survive throughout the whole summer season comfortably.

POLITICS The Texas Governor Is A Typical Instance Of Any Republican’s Anti-Life Coverage

 

By Article Dashboard 

It’s strange why many Americans believe the Republican Party when it claims to be for life when any policies they support are fatal to many Americans – including die-hard Republican voters.

Whether it’s promoting anti-polluting measures that poison the air and water, opposing mitigation measures to save lives during a deadly pandemic, or protecting violent right-wing extremists from prosecution; Republicans can hardly claim they are for life. It is true that they are pro-zygote, but they are in no way pro-life.

With the exception of a few Republican governors, most of those who allied with terrorist-backing Trump to fake COVID19 were nothing to worry about returning to the early stages of the pandemic.

As of Friday, around 524,000 Americans had succumbed to the virus. Trump went to extremes to downplay as there was nothing to worry about. While it is true that the death rate appears to be on a plateau nationwide and in many cases is falling, there are still regions where the infection rate has increased. Texas is one of those regions. In the past two weeks, COVID19 cases in Texas have increased by five percent.

Despite the increase in cases and instead of advocating for the lives of Texas residents, Republican Governor Gregg Abbot defied medical science, saying:

“Too many Texans have been excluded from employment opportunities. Too many small business owners struggle to pay their bills. This has to end. It is now time to open Texas to 100%. “

When Abbot said, “Texas Open 100%,” he meant the end of the state’s mask mandate, allowing all businesses to open up as if there was no deadly and virulent pandemic in Texas and the nation. According to Abbot, Texans “have mastered daily habits to avoid COVID19,” and 5.7 million doses of the COVID19 vaccine have been given. Sounds impressive, doesn’t it? Not so fast.

Despite those 5.7 million doses, less than 7% of Texans are “fully vaccinated” and are still at risk of contracting the virus and spreading it.

The Fort Worth Star Telegram editorial team “blew up” Abbot after his announcement. They asked the prescient questions even though they were aware of the answer. Partially. The editors asked:

“Why now? Why does the risk increase when the news of cases, hospitalizations, and vaccine manufacturing is so good? With the spring break and the associated trips and activities around the corner, why are you sending the message that we can abandon our watch?

It is unfortunate that the governor cannot show the patience that most citizens have. Instead, he decided to make more illness and death more likely once the finish line is in sight. “

Abbott’s motivation is no secret. Aside from caring about the health or lives of Texas residents, he is up for re-election in 2022. And in the back of your mind, the possibility of a Republican presidential nomination in 2024 looks extremely attractive.

Abbot has taken heat away from the stupid wing of the Texas Republican movement who are religiously loyal to the terrible Trump and, like many rabid Trump acolytes, view a scientifically proven mitigation measure like wearing a mask as an “assault on their personal freedom.” They know that saving lives is definitely not a public health measure.

Saving lives is as distant to Abbott as earth is from the sun, despite a terrible lesson Texans faced last spring and early summer. In many Republican-controlled states, Republican governors dropped or ignored rigid stay-at-home orders and other mitigation measures specifically put in place to contain the spread of Covid-19, as their respective states do not have large numbers of cases like New York and California existed. The result was exactly what health experts had predicted. COVID cases, hospitalizations and deaths increased. In Texas, more than 44,000 residents died from the virus; only California and New York died altogether.

With an upcoming election and rising COVID cases, Abbot concluded, “Damn the health professionals’ warnings,” and their freedom to steal mitigation efforts – Texas is 100% open, and if more Texans die, so be it.

Abbot’s actions are typical of Republicans who are more concerned about their own political futures than about the lives of their constituents. When an ungodly number of Americans are gunned down as if they are in a war zone instead of decent gun control regulations, Republicans want more guns on the streets. When the water and air vital to human life are toxic due to industrial dumping, Republicans are deregulating industries that tend to poison the air and water and leaving people to die. If every state in the union decides to share power to provide consumers with stable electricity, no way is Texas saying – let people die.

Now that there is finally hope that this deadly pandemic can be mitigated so life can return to normal, Texas Governor Gregg Abbot disregards medical scientific warnings and opens up Texas for political power to a human is more important than human life. called pro-life Republican governor.

Audio engineer and instructor for SAE. Posted a comment that supports secular humanist concerns and exposes the oppression of women, the poor and minorities. An advocate of religious freedom and especially freedom without religion.

Born in the South, raised in the Midwest and California for a comprehensive overview of America. it does not look good

Former minister, lifelong musician, Mahayana Zen Buddhist.

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3 Tips For Catching More Trout In The Spring Season

By [https://EzineArticles.com/expert/Trevor_Kugler/38856]Trevor Kugler 

The spring of the year means a lot of things to a lot of different people, but one group of people that really get excited as the spring season gets underway are fishermen. While all fishermen begin to get a little "antsy" during the spring as they think about heading out onto the water, nowhere is this more true than with trout fishermen. The spring season is the holy grail to many trout fishermen and with good reason as the spring coincides with the beginning of trout season in many areas of the United States.

Below I will draw upon my twenty plus years of experience fishing for trout to outline 3 tips for catching more trout in the spring season. Although the tips themselves are being listed in no particular order, I have found all of them to be extremely effective when fishing for trout, especially during the spring of the year. 

A Longer Fishing Rod Is In Order - Many trout fishermen tend not to think much about the length of their fishing rod and this is a big mistake. The reason that this is a mistake is that during the spring of the year you are normally dealing with water conditions that are higher than normal in both lakes and rivers and a longer fishing rod will give you much more "feel" when detecting bites, setting the hook, and fighting trout. This fact is especially true in river fishing scenarios where drift fishing is the technique of choice. Under "normal" river and water conditions you more than likely employ a four to five foot ultralight rod while fishing for trout and during the spring season an ultralight rod that is from six to seven feet is in order.

Smaller Baits Are In Order - No matter what type of trout bait you choose to use for trout during the spring many times smaller is better. So spinners should be in the 1/32 ounce range, spoons should be no larger than 1/4 of an ounce, and any trout jigs should be as small as you can get away with. If you are using live bait or eggs as trout bait, make sure that you employ very small fishing hooks. An example of this rule would be with our friends live worms. During the spring never use an entire night crawler as bait, but rather pinch the night crawler in half or opt instead to use the night crawlers smaller cousin the red worm as your [http://www.jrwfishing.com/gang_hooks.asp]trout bait choice.

Use The Correct Fly - There is no doubt that when you talk about trout fishing or trout bait you have to mention the use of artificial flies as bait and choosing the correct fly is vitally important during the spring trout season. Whether you are a traditional fly fisherman or are a spin fisherman who uses a casting bubble to fish with artificial flies there are certain fly choices that you need to have at the ready early in the trout season. These flies would include woolly buggers, the freshwater clouser, an egg pattern or two, Adams, blue winged olive parachutes, and a couple of pheasant tail nymphs.

Keep these simple trout fishing tips in mind this spring as you head out on your next trout fishing excursion and you will surely experience more success on the water.

Trevor Kugler is president of JRWfishing.com, a website dedicated to ultra light fishing, with an emphasis on ultra light river fishing for trout. Check out our new blog focused on trout fishing tips and techniques to help you be more successful on the water: [http://jrwfishing.blogspot.com]The Ultimate Trout Fishing Blog

Article Source: [http://EzineArticles.com/?3-Tips-For-Catching-More-Trout-In-The-Spring-Season&id=6976899] 3 Tips For Catching More Trout In The Spring Season

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In Praise of Age and Biden

 In Praise of Age and Biden

By [https://EzineArticles.com/expert/Helen_Fogarassy/247052]Helen Fogarassy 

Youth is the beautiful springtime of life, full of energy and eagerness. Age in America today is seen as a handicap, full of aches and in need of help. The image of George H Bush skydiving for his 90th birthday is drowned out by ads about elders in need of home care. In that arena, Joe Biden is scrutinized for defects. Those pale in comparison to his value at this moment as a man experienced in governing the US.

Democratic presidential candidate challengers to Trump have a trove of great ideas on how to remedy the damage Trump is inflicting on the country. Those range from Constitutional infractions to human rights abuses and the standing of the US in the world community. Add to that list his abuse of his presidential powers, his assault on the environment and the erosion of public trust due to lies emanating from the American White House. indeed, the democrats have a large menu of urgent issues to address, but none stand a chance if Trump can't be undone.

Current US President Donald Trump lies openly and claims the deceit is a negotiating tactic. A third of the country buys the Trump side of the double talk. The other two-thirds fumes over how so many can be so gullible. It takes a person who's been burned a few times to spot the spot the trick and know how to use it.

Circus maven P.T Barnum reputedly said back in the mid-1800's that there's a sucker born every minute. He made his mark by exhibiting trumped up freaks and getting the curious to pay for seeing them. America's current President conducts similar oddities in the form of skirting laws and norms. The American public pays big to let a third of its people admire the legal gymnastics.

The world's melting pot and land of opportunity makes room for the vulnerable one-third in its population that buys the Trump twist on American values. The toll, however, is heavy for the two-thirds who care about the American foundation of democracy. All they need is a leader who can show the way based on instinct I informed through experience.

Joe Biden has come under attack for positions taken 10, 20, 30 years ago. He is held to account for comments that ring alarms and for being tone deaf, out of step with today. Actually, it is the perception that is out of touch with reality.

Today's media world is fast paced. That is the condition that put reality star conman Donald Trump into the Oval Office. His experience told him that he could bluff his way into any situation he wanted. He did just that, even if he had to con his way to that position and use outside sources to get the job done.

Joe Biden, on the other hand, is a person of experience with higher aspirations than enriching himself. He went through the excruciating period in America's past when racial desegregation was uncertain ideal. He fought for social gains within constraints of the times while Donald Trump was scheming to get the best pf his next mark.

Donald Trump hasn't changed and neither has Joe Biden. Trump is still ripping off as many Americans as possible. Joe Biden wants to stop him and get American moving again as he did under the progressive era of Barack Obama.

In his lofty position, Trump has no trouble spewing out incendiary lies to stir his audience. He has a host of schills to help sell the story. Joe Biden has a lifetime of experience in promoting the public good in opposition to those like Trump. He merits a break in the media microscope of today.

Experience lays down a vast infrastructure of information in the brain. Those lay the foundation for spoken expressions in the present. Sn answer to a question may take a moment to process. That is far less than the week of media coverage given to the monster hurricane Damian.

That disaster impacts thousands of lives and communities. The response of US President Donald Trump was to play a "short round of golf." Considering that the Damian disaster was his excuse for skipping out on an international responsibility, no further words need be processed from thoughts.

Biden doesn't need a week to process thoughts and produce potent words. He does, however, deserve s few seconds for the process. After all, whether it's Joe Biden or some other democratic candidate with experience under the belt, the goal is to defeat a man in the Oval Office who doesn't take even a second to process a thought into words that can sink the whole world..

helenfogarassy.WordPress, Twitter

Article Source: [http://EzineArticles.com/?In-Praise-of-Age-and-Biden&id=10172974] In Praise of Age and Biden

Welcome President Biden! Long Live Democracy

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<p>Welcome President Biden! Long Live Democracy!<br>

By <a href="https://EzineArticles.com/expert/Chinmay_Chakravarty/65801">Chinmay Chakravarty</a></p>

<p>Joseph R Biden or popularly known as Joe Biden, the 46th President of the United States of America, was sworn in a modest inauguration event on the 20th of January 2021 held in the premises of Capitol Hill which was invaded by Trump supporters two weeks back. At 78, he is the oldest ever President of the country to be sworn in: however, his arrival at this juncture is seen by many as momentous and much-needed in view of the aftermath of Trumpism.</p><p>Not surprisingly, considering the bitterly divided American society, President Biden pleaded for national unity and the end of the uncivil war with the slogan 'shun division, embrace unity'. He explained that 'unity' is required in view of the paramount need, which he termed as 'a desperate call for survival coming from the planet earth itself', of countering the challenges of rising political extremism, white supremacy racism, domestic terrorism and the pandemic that caused more damage in one year than the whole of the World War-2 did to America. He declared that he was the President for all Americans including those who did not or still do not support him. The President said, 'democracy is precious, democracy is fragile', but went on optimistically by saying that 'today is democracy's day' and that 'democracy has prevailed'. There was much to heal and more to build, he pleaded.</p><p>The event was not attended by the outgoing President Donald Trump as announced by him a few days back, he became only the fourth President to do so in USA's presidential history, and the first to do so in last more than one hundred and fifty years. However, Trump's Vice President Mike Pence attended the ceremony, and significantly was not around when Trump delivered his farewell speech at an airbase before taking Airforce-1- to fly home to Florida. Trump has also earned the unique distinction of becoming the first ever US President to get impeached twice in the US House. With the Democrats establishing their presence in the Senate their next moves in permanently depriving Trump of all post-presidential privileges would be keenly observed.</p><p>Earlier, Kamala Harris was sworn in as the Vice President of USA, becoming the first ever woman VP, the first ever black person to rise to this post and the first ever person of Asiatic (Indian) origins to assume this privileged office of the country. People of her original village in Tamil Nadu, India celebrated this huge occasion by prayers in the temples and distributing sweets in large gatherings. However, Kamala Harris being a liberal democrat is unlikely to take her India-origins seriously and mix with the people as well as with some of the most aggressively Hindu nationalist governments of the country. More good news comes in the wake of Kamala Harris's rise, in terms of appointing more than 20 Indian-Americans in Biden Administration out of which 17 are in key positions. In fact, Biden had already strengthened his COVID-19 team with quite a few Indian-Americans who had the expertise, and his call of 'set aside politics, fight the pandemic' augurs well for future of a country where around four hundred thousand people have lost their lives so far due to the Coronavirus infections.</p><p>President Joe Biden's mission at the moment is clearly to end the legacy of Trump as soon as possible, and as he said in his speech, to start engaging with the world for peace and democracy. To lead by examples the President got into action on the very first day of his office. He signed around 15 executive orders reversing some of the crucial foreign policies and national security decisions taken by his predecessor Trump. These orders include, significantly, America rejoining the Paris Agreement on climate change, revoking the country's withdrawal from the World Health Organization, making wearing of masks mandatory and rescinding a travel ban imposed on visitors from several Muslim-majority countries.</p><p>The President of the Democrats, basically the cynosure of all democracy-spirited people of the globe, had said in his inauguration speech, 'Together we shall write an American story of hope, not fear, of unity, not division, of light, not darkness. A story of decency and dignity, love and healing and goodness'. We hope Joe Biden succeeds in his mission of making democracy secure and permanent in his country as well as on planet earth. We also hope that this American story would inspire many in several major countries of the globe where democracy has been coming under serious and ever-increasing threat.</p><p>Chinmay Chakravarty is a professional specialized in the creative field with over two decades of experience in journalistic writing, media co-ordination, film script writing, film dubbing, film & video making, management of international film festivals and editing of books & journals. Proficient in providing professional services in these related fields. Was an officer of Indian Information Service and superannuated from the post of Director, Press Information Bureau, Kolkata in November, 2019. Published his first solo book 'Laugh and Let Laugh' in 2017.</p><p><a target="_blank" href="https://notionpress.com/read/laugh-and-let-laugh">https://notionpress.com/read/laugh-and-let-laugh</a></p><p><a target="_blank" href="https://www.ours-funarena.com">https://www.ours-funarena.com</a></p>

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Article Source: <a href="https://EzineArticles.com/expert/Chinmay_Chakravarty/65801" target="_new">https://EzineArticles.com/expert/Chinmay_Chakravarty/65801</a>

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The 2021 Oscar Nominations Are Finally

 Here: See the Full List

Best Picture

The Father
Judas and the Black Messiah
Mank
Minari
Nomadland
Promising Young Woman
Sound of Metal
The Trial of the Chicago 7

Best Actress in a Leading Role

Viola Davis, Ma Rainey's Black Bottom
Andra Day, The United States vs. Billie Holiday
Vanessa Kirby, Pieces of a Woman
Frances McDormand, Nomadland
Carey Mulligan, Promising Young Woman

Best Actor in a Leading Role

Riz Ahmed, Sound of Metal
Chadwick Boseman, Ma Rainey's Black Bottom
Anthony Hopkins, The Father
Gary Oldman, Mank
Steven Yeun, Minari 

Courtesy of Warner Bros. Pictures

Best Actress in a Supporting Role

Maria Bakalova, Borat Subsequent Moviefilm
Glenn Close, Hillbilly Elegy
Olivia Colman, The Father
Amanda Seyfried, Mank
Yuh-Jung Youn, Minari

Best Actor in a Supporting Role

Sacha Baron Cohen, The Trial of the Chicago 7
Daniel Kaluuya, Judas and the Black Messiah
Leslie Odom Jr., One Night in Miami...
Paul Raci, Sound of Metal
LaKeith Stanfield, Judas and the Black Messiah

Best Directing

Another Round, Thomas Vinterberg
Mank, David Fincher
Minari, Lee Isaac Chung
Nomadland, Chloé Zhao
Promising Young Woman, Emerald Fennell

Walt Disney Studios Motion Pictures

Best Documentary Feature

Collective
Crip Camp
The Mole Agent
My Octopus Teacher
Time

Best Documentary Short Subject

Colette
A Concerto Is a Conversation
Do Not Split
Hunger Ward
A Love Song for Latasha

by Taboola

Pioneer Woman Ree Drummond Shares Painful Details About Husband's Injury After AccidentE! News

Kris Jenner Breaks Her Silence on Kim Kardashian and Kanye West's DivorceE! News

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Best International Feature Film

Another Round
Better Days
Collective
The Man Who Sold His Skin
Quo Vadis, Aida?

Best Adapted Screenplay

Borat Subsequent Moviefilm, Sacha Baron Cohen, Anthony Hines, Dan Swimer, Nina Pedrad, Peter Baynham, Erica Rivinoja, Dan Mazer, Jena Friedman and Lee Kern
The Father, Christopher Hampton and Florian Zeller
Nomadland, Chloé Zhao
One Night in Miami…, Kemp Powers
The White Tiger, Ramin Bahrani

 Best Original Screenplay

Judas and the Black Messiah, Will Berson, Shaka King, Kenny Lucas and Keith Lucas
Minari, Lee Isaac Chung
Promising Young Woman, Emerald Fennell
Sound of Metal, Darius Marder, Abraham Marder and Derek Cianfranfe
The Trial of the Chicago 7, Aaron Sorkin 

Josh Ethan Johnson/A24

Best Costume Design

Emma, Alexandra Byrne
Ma Rainey's Black Bottom, Ann Roth
Mank, Trish Summerville
Mulan, Bina Daigeler
Pinocchio, Massima Cantini Parrini

Best Makeup and Hairstyling

Emma, Marese Langan, Laura Allen and Claudia Stolze
Hillbilly Elegy, Eryn Krueger Mekash, Matthew Mungle and Patricia Dehaney
Ma Rainey's Black Bottom, Sergio Lopez-Rivera, Mia Neal and Jamika Wilson
Mank, Gigi Williams, Kimberley Spiteri and Colleen LaBaff
Pinocchio, Mark Coulier, Dalia Colli and Francesco Pegoretti 

Best Original Score

Da 5 Bloods, Terence Blanchard
Mank, Trent Reznor and Atticus Ross
Minari, Emile Mosseri
News of the World, James Newton Howard
Soul, Trent Reznor, Atticus Ross and Jon Batiste

Disney Pixar

Best Animated Feature Film

Onward
Over the Moon
A Shaun the Sheep Movie: Farmageddon
Soul
Wolfwalkers

Best Animated Short Film

Burrow
Genius Loci
If Anything Happens I Love You
Opera
Yes-People

Best Live Action Short Film

Feeling Through
The Letter Room
The Present
Two Distant Strangers
White Eye

by Taboola

Saweetie Confirms Split From Quavo After “Too Much Betrayal”

Best Sound

Greyhound, Warren Shaw, Michael Minkler, Beau Borders and David Wyman
Mank, Ren Klyce, Jeremy Molod, David Parker, Nathan Nance and Drew Kunin
News of the World, Oliver Tarney, Mike Prestwood Smith, William Miller and John Pritchett
Soul, Ren Klyce, Coya Elliott and David Parker
Sound of Metal, Nicolas Becker, Jaime Baksht, Michelle Couttolenc, Carlos Cortés and Phillip Bladh

Best Production Design

The Father, Peter Francis and Cathy Featherstone
Ma Rainey's Black Bottom, Mark Ricker, Karen O'Hara and Diana Stoughton
Mank, Donald Graham Burt and Jan Pascale
News of the World, David Crank and Elizabeth Keenan
Tenet, Nathan Crowley and Kathy Lucas

Best Film Editing

The Father, Yorgos Lamprinos
Nomadland, Chloé Zhao
Promising Young Woman, Frédéric Thoraval
Sound of Metal, Mikkel E. G. Nielsen
The Trial of the Chicago 7, Alan Baumgarten

YouTube

Best Cinematography

Judas and the Black Messiah, Sean Bobbitt
Mank, Erik Messerschmidt
News of the World, Dariusz Wolski
Nomadland, Joshua James Richards
The Trial of the Chicago 7, Phedon Papamichael

Best Visual Effects

Love and Monsters, Matt Sloan, Genevieve Camilleri, Matt Everitt and Brian Cox
The Midnight Sky, Matthew Kasmir, Christopher Lawrence, Max Solomon and David Watkins
Mulan, Sean Faden, Anders Langlands, Seth Maury and Steve Ingram
The One and Only Ivan, Nick Davis, Greg Fisher, Ben Jones and Santiago Colomo Martinez
Tenet, Andrew Jackson, David Lee, Andrew Lockley and Scott Fisher

Best Original Song

"Fight for You," from Judas and the Black Messiah; Music by H.E.R. and Dernst Emile II; Lyric by H.E.R. and Tiara Thomas
"Hear My Voice," from The Trial of the Chicago 7; Music by Daniel Pemberton; Lyric by Daniel Pemberton and Celeste Waite
"Husavik," from Eurovision Song Contest: The Story of Fire Saga; Music and Lyric by Savan Kotecha, Fat Max Gsus and Rickard Göransson
"Io sì (Seen)," from The Life Ahead (La Vita Davanti a Se); Music by Diane Warren; Lyric by Diane Warren and Laura Pausini
"Speak Now," from One Night in Miami...; Music and Lyric by Leslie Odom, Jr. and Sam Ashworth