Mortgage debt — the new retirement time bomb

How long has it been since you’ve seen one of those mortgage-burning pictures? It was once a big deal, especially with the Greatest Generation.

There was no joy like that last mortgage payment, and our parents prided themselves on burning that paper, hopefully before they retired.

These days, baby boomers increasingly are carrying that debt into retirement.

And while there are pluses to that (the interest rate deduction for some), many financial planners now advise their clients to pay off the mortgage. But they are much more concerned with credit-card, auto-loan and student-loan debt.

The Consumer Financial Protection Bureau says the percentage of homeowners ages 65 and older with mortgage debt increased from 22 percent in 2001 to 30 percent in 2011. Among homeowners 75 and older, the rate more than doubled, from 8.4 to 21.2 percent.

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This Crossing Guard Refuses to Do One Very Important Element of Her Job – Now it’s on National News

GO HERE to view. 

This is amazing.

Christie: Obama has encouraged lawlessness

Gov. Chris Christie (R-N.J.) said on Tuesday that President Obama’s actions are inspiring people to disregard the nation’s laws.

“Whether it is New York, Chicago or San Francisco, it is happening everywhere,” he said on MSNBC’s “Morning Joe.”

“The president has encouraged this lawlessness,” the 2016 GOP presidential candidate added. “It is coming from the top.”

Christie cited Obama's immigration policies as proof that the president is selective about which laws he enforces.

That approach, Christie added, is inspiring similar approaches to government at the state and city levels.

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Public Hearing scheduled on Naylor Mill Road Land Donation

Public Hearing to be held on the donation of City of Salisbury owned property on Naylor Mill Road to Wicomico County for expansion of recreation fields at Henry S. Parker Complex

The City of Salisbury will hold a Public Hearing on Monday, September 14, 2015 at its 6:00 p.m. Legislation Session in Council Chambers (Room 301) of the City/County Government Office Building. This public hearing will provide an opportunity for the Public to comment on the possible donation of the City-owned property on Naylor Mill Road, located beside the Henry S. Parker Sports Complex, to Wicomico County for the expansion of the recreation fields at the Complex.

The Public Hearing will be held during the Legislative Session at approximately 6:15 p.m. All interested persons are encouraged to attend. 

For additional information, please contact City Clerk Kim Nichols at 410-548-3140.

DC-area Harley-Davidson backs out of ‘Ride for Justice’

FORT WASHINGTON, Md. (AP) — A Harley-Davison dealership has withdrawn its invitation to bikers who planned to meet at its Fort Washington location ahead of a Washington rally organized by Nation of Islam leader Louis Farrakhan.

The dealership’s owners had agreed to let bikers to gather at the location Oct. 10 before a “Ride for Justice” rally into Washington D.C. ahead of a march associated with the 20th anniversary of the Nation of Islam’s “Million Man March.” The dealership changed its stance following backlash, including an online petition condemning Farrakhan for advocating violence.

Farrakhan has said the upcoming march, “Justice or Else,” is intended to galvanize a more strategic movement for equality. The 1995 march was billed as a men-only event intended to encourage black men to commit to family values and improving their communities

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The MSM Has Failed Us Yet Again

The Human Cost of Socialism in Power

The attempt to establish a comprehensive socialist system in many parts of the world over the last one hundred years has been one of the cruelest and most brutal episodes in human history.

Some historians have estimated that as many as 200 million people may have died as part of the dream of creating a collectivist "Paradise on Earth." Making a better "new world" was taken to mean the extermination, the liquidation, the mass murder of all those that the socialist revolutionary leaders declared to be "class enemies," including the families, the children of "enemies of the people."

The Bloody Road to Making a New Socialist Man

We will soon be marking the hundredth anniversary of the Bolshevik Revolution in Russia (November 1917) under the Marxist revolutionary leader, Vladimir Lenin. In Soviet Russia, alone, it has been calculated by Russian and Western historians who had limited access to the secret archives of the Communist Party of the Soviet Union and the KGB (the Soviet secret police) in the 1990s that around 68 million innocent, unarmed men, women and children were killed over the nearly 75 years of communist rule in the Soviet Union.

The communist revolutionaries in Russia proudly declared their goal to be destruction and death to everything that existed before the revolution, so as to have a clean slate upon which to mold the new socialist man.

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Democrats clinch critical 41 votes for Iran nuclear deal

WASHINGTON (AP) — Democrats clinched the crucial Senate votes Tuesday to block passage of a disapproval resolution against the Iran nuclear accord, an outcome that would be a major victory for President Barack Obama against united Republican opposition.
But amid fast-paced developments as lawmakers returned to Washington from their five-week summer recess, supporters of the deal stopped short of declaring victory. That was because it remained uncertain whether all 41 Democratic and independent senators now on record in favor of the deal would also support a filibuster to block a final vote on the disapproval resolution.

Still, the complicated machinery of Congress was turning in favor of the president on his top foreign policy priority, despite GOP control of both the House and the Senate. Already supporters of the deal have the votes in hand to uphold Obama's veto of a disapproval resolution, should that become necessary. Blocking the disapproval resolution with a filibuster, while ideal from the White House view because it would spare Obama from having to use a veto, would not change the ultimate outcome.

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NBC Poll: Donald Trump Dominates, Jeb Bush Implodes

Current GOP frontrunner Donald Trump maintains a strong lead in New Hampshire, while establishment pick Jeb Bush has steadily lost support in the early-voting Granite State, says the new NBC News/Marist poll.

Trump is 16 percentage points ahead of his closest competitor, Ohio Gov. John Kasich, and has 28 percent of likely Republican voters backing him.

Dr. Ben Carson came in third place with 11 percent of the vote, while Bush dropped to fourth place at eight percent.

Bush has lost almost half his supporters in New Hampshire since July, when he was in second place behind Trump with 14 percent to Trump’s 21 percent. Since February’s, he’s lost almost two-thirds of his support, when he was at 18 percent.

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Hillary: ‘I Am Going To Make Some Employers Go to Jail’

Speaking at a Labor Day rally in Hampton, Ill., today Hillary Clinton threatened to imprison employers for “wage theft.” 

“We’re going to go back to enforcing labor laws,” Clinton said. “I’m going to make sure that some employers go to jail for wage theft and all the other abuses that they engage in.” 

“And we are going to make it harder and harder to stop what should be the right of every American: to join a union and bargain collectively through that union,” she continued. “But, I’ll tell you, we’ve got a fight on our hands.” 

The presumed 2016 Democratic candidate also endorsed President Obama’s executive order mandating government contractors provide employees “paid leave.” 

“I was very proud that President Obama said today he is going to require federal contractors to provide seven days of earned paid sick leave,” she said. “And he’s going to fight for paid family leave, something that I’ve been fighting for for 30 years and we’re going to get it done. It’s not right to treat working people as though they don’t have other responsibilities.”

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OC Local Breaking Through Country Ranks, Thanks To Special ‘Superman’ Song

OCEAN CITY – Rising country singer and former Ocean City local Jimmy Charles will always remember Sept. 1 as the day his wildest dreams came true.

That’s the day the video for his current single “Superman”, premiered on CMT (Country Music Television).

“My phone exploded,” recalls Charles. “They premiered it at 6 a.m., put it as the featured video on the website, and by the day’s end, it was the most watched video, and I was the fourth most searched for artist on the site behind names like Taylor Swift and Luke Bryan. I think all the notifications on my phone drained the battery twice.”

Earlier this week, the video premiered on GAC (Great American Country) to similarly big numbers, and it appears that the song could be, as they say in the industry, catching fire.

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Report: Patriots sent employees into locker rooms to steal play sheets

While much of the information in the new ESPN report detailing the Patriots’ Spygate-era portrays the team has engaged in something akin to espionage, there are also charges that they were into more common forms of larceny as well.

Among the charges outlined in the Outside the Lines report include one so brazen and blatant that it seems hard to believe.

Several former Patriots coaches and employees alleged that the team would send “low-level” employees into opposing locker rooms during pre-game warm-ups to “steal play sheets” from teams which scripted their offenses.

The report also says the team would send employees to “rummage through the visiting team hotel for playbooks or scouting reports.”

Such tactics were apparently suspected by other teams, who would leave dummy play sheets sitting around in hopes of throwing the Patriots off their trails.

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MSP Berlin Barrack-School Bus Accident 589 Worcester County

10 Wild Animals That Are Becoming Domesticated Pets

The word "pet" evokes images of cats curled up on laps, loyal dogs fetching sticks and furry rodents running on wheels. Even with the occasional bird, reptile or arachnid mixed in, pets are pretty predictable for the most part. But as the popularity of exotic pets grows, more animal lovers are legally welcoming formerly wild creatures into their homes. Read on to see what surprising animals from the wild outdoor world are becoming domesticated and adored by pet owners.

Foxes

Foxes are starting to slink their way into homes. In 1959, a Soviet geneticist started researching domestication by breeding foxes. A half century later, the work continues in Siberia at the Institute of Cytology and Genetics. Several generations into the project, the foxes currently at the institute act similarly to dogs. They require a significant amount of extra work, but are available to bring home. Still, getting a pet fox isn't as easy as dropping by an animal shelter. These pets cost $8,000, and to obtain one you must be approved by the institute's importer.

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EVO Oktoberfest 2015

Upcoming EVO Event:  Tickets are on sale now... EVO Oktoberfest 2015 Saturday, September 26th Noon until 4:00pm Live Music w/ Shawn Owen Band Unlimited EVO Beer Tastings EVO Oktoberfest Buffet Tickets Available at EVO Public House. Online sales also available... http://evolutioncraftbrewingcom.ticketleap.com/evo-oktoberfest-2015/

EVO Public House | 201 East Vine St. Salisbury, MD 21804 | 443.260.2337

Troopers Labor Throughout State Yielded Positive Results

The Labor Day weekend efforts of the Maryland State Police had a positive effect on reducing crashes and keeping the public safe to enjoy the last holiday of summer.

Preliminary information indicates from September 4 through September 7, 2015, troopers made approximately 8,075 traffic stops. They issued 5,493 citations and 4,720 warnings. There were 126 drunk driving arrests and 866 repair orders issued for defective vehicle equipment.

In support of the “Drive Sober or Get Pulled Over” campaign, S.P.I.D.R.E., a full-time drunk driving enforcement team, was out this weekend in areas of Prince George’s County where drunk drivers and drunk driving crashes are known to be prevalent. The team arrested 20 impaired drivers and issued over 120 citations. Five of those drivers arrested were repeat offenders.

The traffic enforcement efforts of the Maryland State Police led to criminal violations as well. Troopers made 65 arrests and an additional 75 wanted people were arrested on outstanding criminal warrants.

Troopers assigned to the Southern Maryland and Eastern Shore regions worked the Operation SHOWBOAT initiative and inundated the Route 50 corridor from the Chesapeake Bay to Ocean City. Operation Millipede enforcement efforts placed troopers along the entire I-95/I-495 corridor from the Delaware to Virginia state lines. Both operations successfully contributed to highway safety this weekend. During these initiatives there were no fatal or serious crashes.

The Maryland State Police continue to support the Maryland Highway Safety Office’s ‘Move Toward Zero Deaths’ campaign. These high visibility enforcement efforts reduce the number of aggressive driving motor vehicle crashes in which speed, alcohol and other driving violations are contributing factors to crashes on Maryland roads. Troopers will continue initiatives throughout the year.

2015 East Coast Lady Trooper Charity Softball Tournament

The 14^th Annual East Coast Lady Trooper Charity Softball Tournament will be hosted by the Delaware State Police. This two day event will take place at the Sports at the Beach Complex located at 22518 Lewes-Georgetown Highway, Georgetown, DE 19947, east of Georgetown, on September 19^th and 20^th 2015.

 

This annual charity event solicits the support of female State Troopers along the east coast to raise money to support local charities. The purpose of this softball tournament is to bring several different state agencies together for a common goal of helping others. Each year the hosting state donates the tournament proceeds to local charities.

 

The charities chosen this year are Camp Barnes and the Special Olympics of Delaware. Camp Barnes originally opened in 1948 to combat juvenile delinquency. The camp was named in recognition of Col. Herbert A. Barnes, who was the Superintendent of the Delaware State Police at the time of the camp's inception and was instrumental in raising the necessary funds and volunteer work needed to make Camp Barnes a success. The camp's operating budget exceeds $200,000 per year, and all of the funds are from donations and fundraisers. For eight weeks during the summer, 60 youths per week - ages 10 to 13 - attend Camp Barnes with no financial burden on parents or guardians. In addition to the above, Special Olympics of Delaware, the Delaware Burn Camp Foundation, the City of Wilmington and the Delaware 4H utilize Camp Barnes.

 

Special Olympics Delaware provides a year-round program of quality sports training and athletic competition for children and adults with intellectual disabilities and/or cognitive delays. A family of over 4,000 volunteers makes this program possible for the more than 3,500 athletes who compete in Special Olympics Delaware. The organization builds sports skills, confidence, strength, motivation and self-esteem ... not just for the athletes, but for everyone involved. 

 

In the 13 year history of this event, the tournaments have raised over $100,000.00 for the supported charities.  It has grown to include teams from nine states (Connecticut, New York, Massachusetts, Pennsylvania, New Jersey, Maryland, Virginia, North Carolina and Delaware) throughout the east coast and the Delaware State Police have hosted the tournament twice.  Please join these Troopers to reach our goal of  raising $15,000.00 for Camp Barnes and the Special Olympics of Delaware. If you are interested in supporting this great cause, you are welcome to donate (please make checks payable to Pipes & Drums of the First State, Inc., a 501(c)3) or come out to watch the games.   The Delaware State Police is proud to support these charities and our community.  We have assembled two teams to play in the tournament this year and obtained corporate donations from major supporters in the First State, but would appreciate all the support possible from the citizens of this great state. 

Bike Week 2015

Governor Larry Hogan Announces First Regional Meeting of Regulatory Reform Commission

Encourages Area Business Leaders to Attend and Share Experiences 

ANNAPOLIS, MD – Governor Larry Hogan has announced that the recently formed Regulatory Reform Commission will hold its first regional meeting on Thursday, September 10, at Baltimore City Community College. This is the first of six meetings to be held throughout the state this fall.

Earlier this summer, Governor Hogan issued Executive Order 01.01.2015.20, which established the Regulatory Reform Commission. The commission will conduct an extensive review of the state’s regulatory climate to identify issues that impact Maryland businesses.

“Years of overregulation, tax increases, and an anti-business attitude have had a devastating impact on Maryland’s economy and have limited our ability to compete regionally and nationally,” said Governor Hogan. “For years we have heard from citizens and business leaders from across the state who repeatedly describe the onerous, antiquated, and duplicative regulatory obstacles they encounter in order to do business in Maryland. This commission will seek to identify and resolve such problems.”

The governor encourages area business leaders to attend the commission meetings to share their experiences and provide feedback and recommendations. “With the input of area business leaders, we will continue our goal to fix Maryland’s regulatory environment and change Maryland for the better,” said Governor Hogan.

WHO: Commission Members and Maryland Business Leaders

WHAT: First Regional Meeting of the Regulatory Reform Commission

WHERE: Baltimore City Community College
Mini Conference Center
2901 Liberty Heights Ave.
Baltimore, MD 21215-7893

WHEN: 10 a.m – 1 p.m.

To see the full list of upcoming meetings or to submit your recommendations online, please visit the commission’s website at regulatoryreform.maryland.gov.

Governor Larry Hogan Appoints Members to Commission on Hispanic Affairs

ANNAPOLIS, MD – Governor Larry Hogan today announced appointments to the Governor’s Commission on Hispanic Affairs. The commission represents and engages the Hispanic community in partnership with state government to promote social, cultural, and business interests.

The purpose of the commission is to identify the issues affecting Hispanics and develop the appropriate responses and programs, including conducting outreach to Hispanic groups and communities in the state; communicating information concerning public and private programs; reviewing and commenting on legislation and regulation; and making recommendations on matters affecting the general health, safety, and welfare of the Hispanic population in Maryland.

“This group of highly qualified individuals will bring a wealth of expertise, experience, and passion to this important commission and I am proud to make these appointments,” Governor Hogan said. “I look forward to working with them on issues related to business and economic development, education, and other issues relevant to our growing and vibrant Hispanic community.”

Members of the commission appointed by the governor include:

Allen Gutierrez (chair) serves as the national executive director of The Latino Coalition, a national organization that represents Latino interests with Fortune 500 companies and federal and local government agencies. Previously he served as senior adviser to the U.S. Small Business Administration as well as senior adviser to the Office of International Trade.

Carol A. Ramirez (co-chair) is a Georgetown University graduate and 25-year resident of Bethesda, with a wide-ranging background as a small business owner, banker, and volunteer and leader in local community, school, and church organizations.

Christian Licier is currently the assistant principal of Patterson High School in Baltimore, Maryland. Previously, he was an assistant principal of Garrison Middle School, Doris M. Johnson High School, and Afya Public Charter School.

Angelette C. Aviles is the owner/founder of Cup+Cake Blvd in Gambrills, Maryland. Aviles has participated in various organizations focused on improving educational opportunities among Latino students, such as Tampa’s Hispanic Professionals Women’s Association and the Hispanic Young Professional Entrepreneurs.

Miguel Palmeiro is currently the managing partner of the Law Office of Miguel Palmeiro in Montgomery County, Maryland, which specializes in personal injury, family law, and immigration cases.

Zaylimar Bocanegra coordinates Latino outreach for The Parents Place of Maryland. The organization helps obtain appropriate education and health care services for children with disabilities; works to improve education and health care for all children; trains and informs parents and professionals on a variety of topics; and connects children with disabilities to community resources that address their needs. Bocanegra has expertise in program development and enforcement and special education advocacy within the mental health field.

Raul E. Cisneros is the chief of media relations in the Public Information Office at the U.S. Census Bureau. Before joining the Census Bureau, Cisneros served in a number of capacities at the U.S. Small Business Administration from 2001 to 2008. In 2009, Hispanic Business magazine selected Cisneros as one of its Top 100 Influentials.

Patricia Hildt is an associate manager at Travelers Insurance. She has also held positions in Travelers as the second VP of Claims Strategy and Delivery and second VP of Auto Claims Products and Development. Hildt is an active corporate mentor for INROADS, an organization that creates unique, one-on-one relationships with interns to foster an environment that allows for a great fit with its various corporate partners.

Alexander G. Núñez is the vice president of Governmental and External Affairs for BGE. Mr. Núñez contributes actively to several industry and community organizations. He has represents the company at the Maryland Chamber of Commerce, including on its Legislative, Environment, and Civil Liability Committees. He is a founding member of the Greater Baltimore Committee’s Energy and Natural Resources Committee.

Angela Franco is president & CEO of the Greater Washington Hispanic Chamber of Commerce. The Chamber was named 2013 Hispanic Chamber of the Year (Mid-Size) by the United States Hispanic Chamber of Commerce. Over the past few years, Franco has received several professional recognitions from Pan American Development Foundation, Boy Scouts of America National Capital Area Council, Washington Business Journal, and the Hispanic Heritage Foundation.

Erick A. Oribio is the president of the Baltimore Hispanic Chamber of Commerce. As president, he promotes local, national, and international business opportunities in Maryland. Oribio is the owner and publisher of Latin Opinion Baltimore newspaper, where he is responsible for the dissemination of all Hispanic news, media, communications, and marketing.

Liliana A. Rojas is the founder/owner of IVRB Solutions. IVRB Solutions is certified under the U.S. Small Business Administration's 8a program, and is a source for technical and specialty electrical integration solutions for the U.S. federal government.