Fourth Of July Grilling Recipes Kids Will Love

By Dee Power

Fourth of July marks the high point of summer and is often celebrated with an outdoor barbecue. Don’t limit yourself to the good ole American menu of hamburgers and hotdogs. There’s lots more to grilling than that. The first task is deciding on a menu that offers something for everyone. If yours is going to be a family affair then take the kids’ preferences into consideration.

Mini burritos are easy and quick. Fill a small flour tortilla with a tablespoon of cooked hamburger, shredded chicken, or sliced steak. Add a slice of tomato, a tablespoon of shredded cheese and roll up burrito fashion tucking in the ends so you end up with a nice little package. Grill for a minute or two on each side to heat up the meat and melt the cheese and there you have it. Serve with an interesting salsa of chopped grapefruit, cilantro, onions, jalapeno peppers, and jicama for the adults to munch on as appetizers until the main course is ready. If you don’t like grapefruit substitute seedless watermelon.

Most kids love fish sticks so why not serve fish tacos? Brush mild boneless fish fillets like halibut or tilapia with a marinade of lemon juice, minced garlic, minced onion, and a touch of cumin. Grill until the fish is cooked through but not over cooked. About 5 minutes per inch of thickness of the fillet. Cut the fillets into about 4 inch by 2 inch servings. Cover with foil and set on the back of the grill to keep warm, in a warming drawer, or in a 200 hundred degree oven. Set up a taco bar with corn and flour tortillas, toppings of tomatoes, sliced onions, cheese, shredded cabbage, sliced jalapenos, salsa in both mild and hot varieties, cucumbers, chopped cilantro, sweet red peppers, cooked corn, black beans, and pinto beans. Consider putting a sign with a flame and the word HOT in front of any topping that you feel might be too spicy for children.

Your guests including the little ones will have a great time building their fish tacos. If you’re not sure everyone will like fish, grill some boneless chicken breasts as an alternative.

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Serve a grilled and raw veggie platter with several dips. Try some new vegetables you might not have thought about grilling such as carrots, endive spears, cherry tomatoes, broccoli spear slices, or summer squash slices. Toss the vegetables with a marinade of olive oil, citrus juice, garlic, and herbs for at least an hour before grilling. Use bottled Italian salad dressing if you’re in a hurry.

Echo the marinade flavors in the dips you offer. Mix some Italian salad dressing in a cup of cottage cheese add 1/4 cup of parmesan cheese, extra chopped fresh basil and whirl in the blender until smooth.

A quick citrus dip is simply sour cream with lemon, lime, and orange juice. Add a teaspoon of grated citrus peel to boost the flavor with some freshly grated pepper.

Grilled fruit kabobs make a great dessert for both children and adults. Cut peaches, plums, pineapple, in one inch chunks, add seedless grapes and halved apricots. Thread fruit on a short wood skewer and brush with lime juice. You can do all this ahead. The lime juice will keep the peaches from turning brown. Grill over a low fire until grill marks are barely visible. Remove from the grill and brush with a glaze made from equal parts honey and lime juice.

Your little guests will be happy and satisfied until the fireworks start.

About the Author: More

grilling tips

, techniques, recipes, and menus. Dee Power is the author of several nonfiction books and loves to come up with

party ideas for kids.

She also uses the herbs from her


in her marinades.


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Canada’s Don Valley West (Ward 26) city council candidates speak

Canada’s Don Valley West (Ward 26) city council candidates speak
This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

Friday, November 3, 2006

On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is Don Valley West (Ward 26). Four candidates responded to Wikinews’ requests for an interview. This ward’s candidates include Muhammad Alam, Bahar Aminvaziri, Orhan Aybars, Michele Carroll-Smith, Mohamed Dhanani, Abdul Ingar, Geoff Kettel, Debbie Lechter, Natalie Maniates, John Masterson, John Parker, David Thomas, Csaba Vegh, and Fred Williams.

For more information on the election, read Toronto municipal election, 2006.


  • 1 Geoff Kettel
  • 2 Natalie Maniates
  • 3 John Parker
  • 4 Csaba Vegh

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Are Leaders ‘born’ Or Do They ‘learn’ To Become?}

Are Leaders ‘Born’ or do they ‘Learn’ to become?



Do Leaders have something special that they are born with? A unique quality or gift? Do they Learn to become leaders through various forms of education?

I often wonder if it takes a special sort of person to become a great leader. Not everybody can become one, I am sure of that, but just about anyone can learn about leadership skills and techniques. Education on the subject can be found easily on the internet and there are endless sources of information that we can all use to learn the skills that are needed to understand the techniques of leadership. But that’s not enough to really cut it. There is more, a characteristic that leaders have that education cannot create. Perhaps its in the genes, inherited from the distant past.

There are many many people out there with the education that can put to shame most common day politicians and countless successful business leaders. Yet so many of those people tend to stay in second place, or behind the scenes, not wanting to take the front seat, not wanting to be exposed to the realities of being in charge. In many ways, one has to be very brave to be a leader, to have all the responsibility and all of risk focused on you.

Throughout history, great leaders are first to take risks and the last to give up. That is not a trait that can be gained simply through education, it is I think something more fundamental, something inherited which burns deeply in the veins of some people, enabling them to take the reins when the opportunity to lead presents itself.

Perhaps you are a leader, or maybe you have what it takes and only need to learn how to unleash your potential. Perhaps some education will help.

Ronnie Roberts – Author is the owner of education relevant sites | | www.elearn-university.comFeel free to republish this article in its entirety including author’s Bio and relevant site details.

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Are Leaders ‘Born’ or do they ‘Learn’ to become? }

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New Democrats score upset in Ontario’s Parkdale-High Park by-election

New Democrats score upset in Ontario’s Parkdale-High Park by-election

Friday, September 15, 2006

The Ontario New Democratic Party has scored an upset victory in a hotly contested provincial by-election in the Toronto riding of Parkdale—High Park. New Democrat Cheri DiNovo defeated Ontario Liberal Party candidate Sylvia Watson by over 2,000 votes. DiNovo received 41% of the vote compared to 33% for Watson. Progressive Conservative Dave Hutcheon was third with 17% of the vote while Green Party leader Frank De Jong was fourth with 6%.

The by-election was an important one for the ruling Ontario Liberal Party as the province enters an election year. The Liberals held the riding until former MPP Gerard Kennedy resigned, earlier this year, to focus on his bid to win the leadership of the federal Liberal Party of Canada. In the 2003 provincial election he held the riding with a commanding 57% of the vote.

Speaking Thursday night, NDP leader Howard Hampton said “There are no safe seats for the McGuinty government. People see us as a viable option.”

Despite having been considered one of the safest Liberal seats in the province the by-election campaign has gone badly for the Grits who have pulled out all the stops in the past week after internal polling showed them in danger of losing. On Monday, Ontario Premier Dalton McGuinty and eleven of members of his cabinet spent much of the day campaigning in the riding. The last seven days has also seen a series of aggressive accusations aimed at DiNovo, a United Church minister. The allegations, which were initially made on blogs and anonymous fliers have, in the past few days, been issued in official Liberal Party press releases and statements and accuse her of not being suited for sitting in the provincial legislature. They focused on her admitted drug use when she was a street kid in the 1960s and what a Toronto Star column called “carefully edited excerpts from her sermons”. Liberal candidate Sylvia Watson, a Toronto City Councillor, issued a press release alleging that DiNovo described the media’s treatment of murderer Karla Homolka to the “persecution of Jesus Christ”. DiNovo, who has billed herself as the “Radical Reverend” responded by saying the comments were taken entirely out of context and threatened to sue Watson’s campaign.

Toronto mayor David Miller issued a statement denouncing the Liberal tactics as a “smear” while the media has been generally critical of the Liberal attacks on DiNovo as has the Progressive Conservatives whose candidate, Dave Hutcheon accused the Liberals of trying to “assassinate the character” of DiNovo. Premier McGuinty responded to the negative reaction saying “Look, it’s a tough by-election for us.”

Some Liberals and some columnists have argued that the anti-DiNovo campaign is payback for the 2001 Beaches—East York by-election in which the NDP suggested that a sex scene in a novel written by Liberal candidate Bob Hunter condoned pedophilia.

Graham White, a political science professor at the University of Toronto, told the Globe and Mail that the tactics might hurt the Liberals. “It just looks like really bad politics,” he said. “Even if this is enough to sway voters in the riding for the by-election, it seems to me the larger risk is very substanial.”

220 POLLS OUT OF 220

Candidate-Political Affiliation-Votes-%

source:Elections Ontario

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Non-industrial emissions key for meeting Kyoto targets in Europe

Non-industrial emissions key for meeting Kyoto targets in Europe

Monday, November 16, 2009

The European Environment Agency (EEA) released a report which shows that the European Union is on track to meet their Kyoto Protocol commitments to limit and reduce emissions responsible for the greenhouse effect on our earth.

The five member states France, Germany, Greece, Sweden and the United Kingdom have already reached the target. All other member states, except Austria, which has to strengthen its efforts, expect to reach the target, too.

EEA Executive Director Professor Jacqueline McGlade said: “It is encouraging that Europe’s climate-changing emissions are expected to continue decreasing, outperforming the objectives set by the Kyoto Protocol. Such an accomplishment should encourage all countries to agree on much larger reductions of global emissions, sealing a global deal in Copenhagen this December. Commitments to deep emission cuts are urgently needed to preserve our chances to keep planetary temperature increases below 2ºC.”

Posted: August 14th, 2017 by L3t2Mn

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Posted: August 11th, 2017 by L3t2Mn

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Sinkhole reported in Buffalo, New York

Sinkhole reported in Buffalo, New York

Tuesday, September 2, 2008

Buffalo, New York — Officials in Buffalo, New York have closed a portion of a downtown street after a sinkhole was reported. At approximately 4:20 p.m. (Eastern time) Washington street between E. Eagle and Clinton was closed to vehicle and pedestrian traffic. Wikinews was on scene and obtained exclusive photos and statements.

City officials say the sinkhole is located in an area under the road where a tunnel, about 40 feet wide, connects two buildings, formerly the AM&A’s warehouse and department store which is now owned by The Bon-Ton. It was first reported last week when portions of the blacktop were seen caving in near the sidewalks. When city engineers examined the holes, they found it to span the entire width of the street and nearly a half the block’s length with the hole being nearly 15 feet deep. Officials say the only thing holding up the road, is the thin layer of concrete and asphalt that make up the road’s surface.

“I am shocked a car has not went through it (the street)”, said a police officer who was coordinating the blocking effort.

Despite today’s actions, someone who wishes to remain anonymous tells Wikinews that the problems began nearly 10 years ago, and the city was notified then of the sinkhole.

Officials state that the road will be closed for several months and all pedestrian and vehicle traffic will have to be diverted until further notice. It is not yet known when the repairs will begin. The person wishing to remain anonymous says the repairs could take years instead of months.

Posted: August 10th, 2017 by L3t2Mn

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Elite Boston Marathon runner Emily Levan discusses life and running

Elite Boston Marathon runner Emily Levan discusses life and running

Saturday, April 23, 2005

The interview below was conducted by Pingswept over the phone with Emily Levan on April 21, 2005. Levan lives in Wiscasset, Maine, with her husband and daughter, and she ran in the Boston Marathon women’s race on April 18, 2005.

To summarize for our readers, you recently came in 12th in the Boston Marathon, right?

That is correct.

You were the first American finisher.


There was also a Russian woman who lives in the US who finished ahead of you.

You know, I believe it is, I’m not actually positive, but I think you’re right. There’s often a lot of foreign runners that live and train in different parts of the US for a variety of reasons. Some live in Colorado and might train at high altitude, or they might have coaches in the US.

OK, but as far as you know, for straight up Americans, people who were born here, who have lived here for long periods of time and are not going anywhere special to train, you were the first finisher.

That is correct.

So congratulations, that’s very impressive. In the rest of your life, my understanding is that you are going to nursing school.

I am. I’m at the University of Southern Maine in Portland. and I have been going to nursing school for a couple years now. I’m just going part time right now because of the baby and other things going on in my world.

Your baby is currently one and a half?

She’s fifteen months.

Fifteen months, so one and one quarter. 1.25, sure.

Hopefully I’ll finish up nursing school in December. That is the tentative plan.

So you’re almost done.

I just have a couple classes left. I’ll take one class this summer and two classes in the fall.

You ran the Boston Marathon originally two years ago?

Actually, I ran it for the first time in 99. I’ve run it four times. I did run it two years ago as well.

You ran it two years ago, and you also came in twelfth then, if not the top American finisher then. You were the fourth?

I think third or fourth. I can’t remember exactly.

How long were you actually training for this marathon in particular?

I’d say about 4 months. I typically try to train about four months for each race. It depends a little bit on what kind of shape I’m in leading up to the training. Four months is usually the time frame I shoot for.

And how many miles a week were you doing–I assume you peaked somewhere right before the marathon.

At the peak, I have a month or six week period where I’ve built up to my peak training, and I was probably doing between 90 to 100 miles a week.

Was there a lot of variation in your day to day mileage, or was it pretty much you’re doing 1/7th of that mileage every day?

There’s definitely variation, probably more so in the type of workout that i did each day. For example two days a week I would do a speed workout, so I might be doing mile repeats, which just means that I do a mile in a specific time, and then I might jog for a couple minutes and then another one and another one. I’d do a series of eight mile repeats on that specific workout day. My other speed workout would be a marathon pace run, so I might run 8 or 10 miles at my marathon pace. If my marathon pace is 6 minute miles, I’d do a two mile jog warm up, and then I might do 8 or 10 miles at a six minute pace, and then a two mile cool down.

So you maybe end up running 14?

Sometimes what I would do on those speed workout days– on those days I might end up with about 14 miles. On some other days, I might run twice during the course of the day. Say in the morning, I might run eight miles, and then in the afternoon I might do six or eight more miles.


Those days tend to be a little bit more mellow. More of kind of a maintenance run, a little bit of a recovery day. I try to have a recovery day after every hard workout.

Do you think that all of your training could fit into four hours a day? Do you think that’s true?

You mean the workouts for a specific day? Probably even less than that. Depending on the day a little bit, probably between 2 or 3 hours. Usually on Sunday I would go out and do a long run, and that would be a 20 or 22 mile run, all in one fell swoop and that usually takes two and a half hours.

So that explains how you’re able to do this, as well as go to nursing school, as well as have an extremely young child. I assume you talk to your friends occasionally.

I try to at least– have some sort of social life. This is not a job, so it’s not something that I do 8 hours a day. It’s something that I fit in with all the other obligations, things that I like to do too. I like to be able to pursue other interests as well.

You live on a road with no one else near by. Do you pretty much just run from your house every day?

The winter is harder because with the baby, I often end up running with a treadmill down in the basement. Brad, my husband, has pretty long hours at the farm, and especially in the winter months, it’s hard to find daylight when he’s able to watch Maddy, so I ended up running a lot on the treadmill this winter, as opposed to last summer, I would take her with me. I have one of those baby joggers, and that was great. I could just leave right from the house, and I could take her. She would be pretty happy to go eight or ten miles with me. Typically what I do when I go outside, I just go right from the house. The roads are so pretty around here. We’re pretty secluded, so I don’t have to worry too much about crazy drivers.

Do you ever try to go find big hills to run up and down?

I do. In the past, I have done a hill workout as a part of my training, usually early on in the training during the first six weeks or 2 months of the training I do a hill workout and I would find some place close by that I could find a warm up jog and run to and then do a hill workout. If I couldn’t find one within a couple miles, I would drive to it. It’s a little bit harder now with Maddy because I don’t have as much leeway and freedom with when I go running and where I go running. I’m a little more limited.

You’d have to load up the cart, er, the carriage into the car.

I’ve done that sometimes. Sometimes it’s easier to go straight from home. Running with the jogger up hills is not an easy thing to do.

When you’re in the race, you feel like, “Hey, I’m not even pushing a kid anymore.” Heartbreak Hill without the kid is substantially easier, I suppose.


Do you know most of the elite runners in the race? You know who they are, but are you friends with them, or not really?

It’s funny–I know who people are, but I don’t run that many races to really get to know that many of the runners. If you’re a professional runner, and that’s your job, a lot of those people travel in the same circles. They run the same races and they have the same schedules in terms of when they compete. I pick out a couple of races each year to focus on and because of that, I don’t get to know as many of the runners. As time goes on, you do get a little bit you do get a little more familiar with people.

During the race, do you talk to the other runners, or do you just run along and think things like, “I wish I were at the end right now”?

I think that really depends I find that if I’m feeling good and the run is going well, then it’s easier for me to talk to people, just because you’re feeling strong, and you’re not focusing so much on “I’m not doing so great.” I might talk to some folks along the way. Sometimes if someone passes me, I’ll encourage them and say “Good job, go get them,” and just stuff like that. I certainly find I’m not carrying on lengthy conversations with people because you’re expending energy that should be focused on the race itself. I enjoy getting to know folks along the way and knowing what pace they’re hoping to run.

In races other than the Boston Marathon do you find that you have good competition? I don’t really know what the running scene in Wiscasset, Maine, is like at all, but I imagine that being the fastest female marathon runner in the United States, you might not find a whole lot of competition. You say that you encourage people when they pass you, but having read some of the other interviews with you on the web, it doesn’t seem like people pass you very often.

It definitely depends on the race. Like I said before, I don’t run that many races. At this point, what I’m trying to do is to find races that are competitive so I can be pushed by competition. For example, when I ran the Maine Marathon last fall, there wasn’t a whole lot of competition. That just gets hard. I ran alone for most of the race. Running 26 miles at a fast pace all by yourself without anyone around you to help push you and motivate you, can be pretty hard. Because of that, as I’ve been looking toward the future and thinking about which races I want to do, I’ve been targeting races that will have a little more competition. That’s why Boston was one that I wanted to shoot for and I’m thinking about in the fall going to Chicago because they’ve got a pretty competitive marathon. It’s also a pretty flat course, so people tend to run pretty fast times there.

Most people run a couple of minutes faster in Chicago, right?

Yeah, exactly. And I’ve heard good things about the race too, so I’m looking forward to that.

Have you thought about running internationally?

Not at this point, no. It’s hard to find the time to travel to races, and It gets expensive too. A lot of my family members say, “Wouldn’t it be great to do the London Marathon or the Paris Marathon,” because they like coming to watch. At this point, I think I’m going to stick closer to home. I’ve got a few races, like I was mentioning Chicago, here in the States that I’d really like to do. Maybe once I’ve done those, I might think about something else, it really just depends. A lot of it’s a time issue, because I have other things that I’m pursuing and it gets hard to spend too much time traveling off doing different races.

Do you know Alan Culpepper?

Oh, yeah, yeah.

You at least know of him, right?

Yes, exactly.

Have you ever been in any races against him?

This was the first race that I had run in that he ran in. He was the fourth overall male finisher. That’s a really good showing for an American male. I’ve read a lot about him in different running magazines and just heard a lot about him through running circles. But this was the first time that I’ve actually seen him run. It was neat because in this particular race, they start the women’s elite group about 25 minutes ahead of the rest of the start.

29 minutes actually, I believe.

That’s right, 29 minutes. So, I didn’t see a male runner until pretty close to the end, so it was really neat to see–I think I saw the top five male finishers because they passed me in the last couple miles. It was really interesting–there’s all these cars and press and motorcycles, policemen, so I could tell when the first male was coming up behind me because there was a lot more going on on the course. Alan Culpepper was one of the ones that passed me in the last mile or two. It was pretty neat to see him finishing strong.

You might not be able to beat him in a race but do you think you could maybe, I don’t know, beat him in a fist fight? He’s pretty skinny, right? He only weighs 130 pounds.

I don’t know. I don’t know. I wouldn’t make any bets on it at this point.



OK. Have you thought about doing things longer than a marathon? Like a 50 K or a 100 K?

At this point, I haven’t because I’ve gotten into the marathon, and I’ve really been enjoying that so far. I feel like I still have some room to improve and grow in the marathon, but I think at some point I’d really like to do one of those ultra-type races. For the next several years, I’ll stick towards the marathon distances. Once that competitive part of my life is over, I might move on to something different.

Based on your age, are you likely to peak around now, or you maybe have a few years to go before your legs start to fall off?

Before I can’t walk anymore? I don’t know. It’s really interesting because for marathoning you’ve got a longer life span than in a lot of competitive sports. The fifth place female finisher in Boston this year was over forty. You can still be competitive into your forties. I’m not sure if I’ll keep doing it that long– at least another 3 years or so. One thing in the back of my mind looking at is the Olympic Trials for 2008. I’m looking at that time frame right now. If I want to keep running competitively after that, then I’ll assess things from there.

That sounds good. When you came in as the first American finisher, did you get any certificates or cash or a medal or anything like that?

Yeah, actually, I won $2100.

Oh, great– two thousand bucks!

Which is pretty nice.

That’s a lot of baby clothes.

I know– or a lot of shoes. The shoe expense is pretty expensive, and I’ve been trying to find a shoe company that might give me some shoes.

I would think–couldn’t you just call up New Balance and say, “Hey, look, I’m pretty good, why don’t you give me some shoes?”

Well, this past November, after I ran New York– I usually wear Asics or New Balance– I wrote to both of those companies. I sent them a little running resume. I said I’d be interested in pursuing some sort of sponsorship opportunity, and they both wrote back and said, “Sorry, we don’t have any space or funds available at this time.” I was a little disappointed by that, because I was hoping to at least get someone to help me out with my shoes.

Yeah, at least some sneakers.

But in addition at Boston, they do have these crystal vases that they give out for the top 15 finishers, so I got a little piece of hardware there too.

So you get to put flowers in that.

I had some flowers in it; they’ve wilted so I decided to compost them.

Oh, that’s good.

Yeah, send them back to the earth, you know.

Has anyone else tried to interview you? Local paparazzi following you?

I hide in my car for most of the day. I did some local interviews–with the local NBC affiliate, and I’m going to do an interview tomorrow with the ABC affiliate in Portland, and some affiliated newspaper interviews as well.

You’re officially famous, then.

I don’t know. I guess. It’s been pretty busy.

Has anyone asked you for an autograph yet?

No. No autograph seekers yet, no.

Maybe in the Yellowfront Grocery in Wiscasset? “Hey, I know you!”

“I saw you on TV!” No, not yet.

That’s surely coming. The Chewonki Foundation, which is where you live, recently had Eaton Farm donated to it.


And they’re planning on making a 12 mile long trail that runs from approximately your house to Wiscasset.

Oh, you know more about this than I do, that’s great.

I don’t know if it’s going to start right at your front door; you might have to cut through the woods a little bit.

That’s OK, I can do that.

Have you run on trails at all, or is it just, “I want to run on the pavement because I don’t want to twist an ankle”?

I’m not a big trail runner. Maybe it’s because I’m not used to running on trails. Now it would be much more difficult, because I have the baby with me. The baby jogger has some nice wheels on it, but I don’t know if it could handle trail running.


It’s a nice change of pace every once in a while. I don’t worry too much about twisting an ankle–you just have to be careful. I figure I can walk out my door and step in a pothole and twist my ankle, so I don’t worry too much about that. That goes along with being alive in our world. We’ll see. I’m going to have to look into that 12 mile trail.

Because 12 miles, you do that there and back, you’ve got a marathon on your hands.

There you go.

What’s your next target? Can you walk right now?

If I train well, I’m usually not sore. Especially on the long runs, my body gets used to running for that length of time and sure, I’m running faster during the marathon than I do on my long runs, but I think my body tends to adjust to the rigors. It’s usually a good sign if a few days afterwards I don’t have any major soreness. I certainly feel like I’ve done something significant.

Yeah, I can imagine feeling too.

No major aches or pains.

That’s great. What’s your next race? Do you have one targeted? Is it Chicago?

Yeah, I think the next marathon will be Chicago in the fall. there’s a 10 K race, the Beach to Beacon, you may have heard of it.

In Portland?

It’s actually in Cape Elizabeth. It’s put on by Joan Benoit Samuelson. It’s in August, so I’ll probably do that one and then shoot for the fall marathon.

Well, I think that’s all my questions.

Nice, well, thanks for calling. I appreciate it.

Sure, well, thanks for running so fast.

No problem.

Posted: August 10th, 2017 by L3t2Mn

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Refinancing Upside Down Mortgages

By Sean A. Kelly

Refinancing your existing mortgage can be intimidating enough even when the market price for your home is well above the amount of your mortgage. You might find it even more daunting when you are trying to refinance upside down mortgages. What is an upside down mortgage?

An upside down mortgage is when the current market value of your home is much lower than the amount of your current mortgage. For example, five years ago you bought a house for $300,000.00 and put a down payment of $50,000.00. You took up a loan for $250,000.00 to pay on the balance of the house. However, after five years you find that the current market price for your home now is only $120,000.00 but, you still owe your lenders $200,000.00. If you encounter this situation, it is when your mortgage is upside down.

Refinancing upside down mortgages may pose quite a challenge but it is not entirely impossible. When the market price of your home is significantly lower than the balance of your loan, your home will have negative equity as you owe your lender more than the home is actually worth. In order to approve a refinancing loan, lenders generally will require a certain amount of equity in your home. So the chances of your application being approved by lenders are very slim.

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Under certain circumstances, you might be eligible for refinancing assistance, especially now that the Federal Government has announced the ‘Making Home Affordable’ program that is partly designed to provide refinancing assistance to homeowners with upside down home mortgages. However, you might want to check with your lenders.

To see if you may actually still qualify for a mortgage refinance even when your mortgage is upside down, you might want to evaluate the total extent of your upside down mortgage. The rule of the thumb is that you may not be upside down in your loan by more than 5%. If you find that your mortgage is upside down by more than 5%, you might have a more difficult time to find any mortgage provider that may be willing to refinance. You will fall under the high-risk category. Especially now, in the current economic situation, few lenders may be willing to take the risk of refinancing an upside down mortgage with a percentage of higher than 5%.

You may also check the current interest rates first, even if your mortgage is only upside down by less than 5% because, there might be a chance that you are actually paying a lower rate now than if you refinanced. There are also the costs involved with refinancing that you might want to consider before deciding. These costs will inadvertently add to the amount of money you might have to spend if you decide to refinance. So in the long run you might actually end up having to pay more than if you had stuck with your current mortgage.

If you really insist on having your upside down mortgage refinanced, you may contact the Federal Housing Administration (FHA) to assist you in refinancing your home. Normally, the FHA might allow you to get a second mortgage on your home for the difference between the current market price of your home and the amount that you owe. This gives you the option of refinancing your home with another lender at the current value of your home and the FHA may give you a loan worth the difference of what you owe your lenders.

It is advisable that you consult with a professional to get the best advice on how to handle your particular financial situation before resorting to refinancing an upside down mortgage.

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Posted: August 5th, 2017 by L3t2Mn

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Australian Budget for 2006-2007 released

Australian Budget for 2006-2007 released

Tuesday, May 9, 2006 The Australian Budget (Appropriation Bill No. 1) for 2006-2007 was released by the Australian Liberal PartyAustralian National Party coalition government treasurer, Peter Costello (Higgins, Liberal).

Costello noted the resilience of the economy against natural disasters and terrorism, and through “disciplined and prudent management” the Government was able to “repay Labor’s debt” of quoted 96 billion dollars of net debt and the Government was now “debt-free”.

Costello noted that the Government budget was in “surplus for the ninth time” with a forecast surplus of 10.8 billion.


  • 1 Infrastructure
  • 2 Tax reform
  • 3 Assistance to families
  • 4 Defence
  • 5 Conclusions
  • 6 Sources

Posted: August 5th, 2017 by L3t2Mn

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