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Conversation overheard on the VHF Guard (emergency) frequency 121.5 MHz while flying from Europe to Dubai.

October 21, 2010 No comments

This is an email I received today and thought this would be a great place to share it.


Conversation overheard on the VHF Guard (emergency) frequency 121.5 MHz while flying from Europe to  Dubai.  It’s too good not to pass along…


The conversation went like this…


Iranian Air Defense Radar: “Unknown aircraft you are in Iranian airspace.  Identify yourself.”

Aircraft: “This is a United States aircraft. I am in Iraqi airspace.”

Iranian Air Defense Radar: “You are in Iranian airspace. If you do not depart our airspace we will launch interceptor aircraft!”

Aircraft: “This is a United States Marine Corps FA-18 fighter. Send ’em up, I’ll wait!”

Iranian Air Defense Radar: (no response…total silence)


God bless our troops!!!!!!

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Today’s National VA Mortgage Rates for June 10, 2010

June 10, 2010 1 comment

Today’s National VA Mortgage Rates for June 10, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.


 

 

VA 30 year fixed – Credit Scores 620 to 639

With 1.5 points – 4.375%! – APR of 4.762%

With 1 points – 4.50%! – APR of 4.844%

With 0 points – 4.750%! – APR of 5.008%


VA 30 year fixed – Credit Scores 640 to 659

With 1.375 points – 4.375%! – APR of 4.751%

With .50 points – 4.50%! – APR of 4.799%

With .250 points – 4.625%! – APR of 4.904%


 

VA 30 year fixed – Credit Scores 660 to 699

With 2.0 points – 4.250%! – APR of 4.679%

With 1.125 points – 4.375%! – APR of 4.728%

With 0 points – 4.625%! – APR of 4.882%


 

VA 30 year fixed – Credit Scores 740+

With 1.5 points – 4.250%! – APR of 4.634%

With 1.0 points – 4.375%! – APR of 4.717%

With 0 points – 4.50%! – APR of 4.755%


 

VA 15 year fixed – Credit Scores 620 to 639

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%


 

VA 15 year fixed – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%


 

VA 15 year fixed – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%


 

VA 15 year fixed – Credit Scores 740+

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%


 

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 620 to 639

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%


 

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%


 

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%


 

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 740+

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%


VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 620 to 659

With 1.0 points – 3.75%! – APR of 3.908%

With 0 points – 4.125%! – APR of 4.201%


 

VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 660 to 719

With 1.0 points – 3.625%! – APR of 3.872%

With 0 points – 3.875%! – APR of 3.950%


 

VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 720+

With 1.066 points – 3.50%! – APR of 3.661%

With 0 points – 3.875%! – APR of 3.950%


 

 

Click here for your free customized quote.

 

 

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

Today's VA Mortgage Rates

Today’s National VA Mortgage Rates for May 26, 2010

May 27, 2010 1 comment

Today’s National VA Mortgage Rates for May 26, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.


 

 

VA 30 year fixed – Credit Scores 620 to 639

With 1.125 points – 4.50%! – APR of 4.676%

With 0 points – 4.750%! – APR of 4.829%


VA 30 year fixed – Credit Scores 640 to 659

With 1.0 points – 4.50%! – APR of 4.665%

With 0 points – 4.750%! – APR of 4.829%


 

VA 30 year fixed – Credit Scores 660 to 699

With 1.0 points – 4.5%! – APR of 4.665%

With 0 points – 4.750%! – APR of 4.829%


 

VA 30 year fixed – Credit Scores 740+

With 1 points – 4.375%!  – APR of 4.539%

With 0 points – 4.50%! – APR of 4.578%


 

VA 15 year fixed – Credit Scores 620 to 639

With 0 points and a credit towards closing costs of .875 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.375 points – 4.375%! – APR of 4.511%


 

VA 15 year fixed – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.5 points – 4.375%! – APR of 4.386%


 

VA 15 year fixed – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.250 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.386%


 

VA 15 year fixed – Credit Scores 740+

With 0 points and a credit towards closing costs of 1.625 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 2.125 points – 4.25%! – APR of 4.386%


 

VA Hybrid 3/1 ARM- Credit Scores 620 to 639

With 0 points and a credit towards closing costs of .25 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of .625 points – 3.875%! – APR of 3.950%


 

VA Hybrid 3/1 ARM – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of .375 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of .750 points – 3.875%! – APR of 3.950%


 

VA Hybrid 3/1 ARM – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of .625 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of 1 points – 3.875%! – APR of 3.950%


 

VA Hybrid 3/1 ARM – Credit Scores 740+

With 0 points and a credit towards closing costs of 1 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of 1.375 points – 3.875%! – APR of 3.950%


VA Hybrid 5/1 ARM – Credit Scores 620 to 659

With 1.0 points – 3.75%! – APR of 3.908%

With 0 points – 4.125%! – APR of 4.201%


 

VA Hybrid 5/1 ARM – Credit Scores 660 to 719

With 1.0 points – 3.625%! – APR of 3.872%

With 0 points – 3.875%! – APR of 3.950%


 

VA Hybrid 5/1 ARM – Credit Scores 720+

With 1.066 points – 3.50%! – APR of 3.661%

With 0 points – 3.875%! – APR of 3.950%


 

Click here for your free customized quote.

 

 

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

Today's VA Mortgage Rates

Today’s National VA Mortgage Rates for May 6, 2010

May 6, 2010 2 comments

Today’s National VA Mortgage Rates for May 6, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.


 

 

VA 30 year fixed – Credit Scores 620 to 639

With .50 points – 4.75%! – APR of 4.869%

With 0 points – 4.875%! – APR of 4.950%


VA 30 year fixed – Credit Scores 640 to 659

With 1.125 points – 4.625%! – APR of 4.798%

With 0 points – 4.875%! – APR of 4.950%


 

VA 30 year fixed – Credit Scores 660 to 699

With 1.125 points – 4.625%! – APR of 4.798%

With .125 points – 4.750%! – APR of 4.836%


 

VA 30 year fixed – Credit Scores 740+

With 1.0 points – 4.50%!  – APR of 4.661%

With 0 points – 4.75%! – APR of 4.825%


 

VA 15 year fixed – Credit Scores 620 to 639

With a credit of .625 points – 4.25%! – APR of 4.284%

With a credit of 1.125 points – 4.375%! – APR of 4.409%


 

VA 15 year fixed – Credit Scores 640 to 659

With a credit of .625 points – 4.25%! – APR of 4.284%

With a credit of 1.125 points – 4.375%! – APR of 4.409%


 

VA 15 year fixed – Credit Scores 660 to 699

With a credit of .875 points – 4.25%! – APR of 4.284%

With a credit of 1.375 points – 4.375%! – APR of 4.409%


 

VA 15 year fixed – Credit Scores 740+

With a credit of .875 points – 4.25%! – APR of 4.284%

With a credit of 1.375 points – 4.375%! – APR of 4.409%


 

VA Hybrid 3/1 ARM- Credit Scores 620 to 639

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%


 

VA Hybrid 3/1 ARM – Credit Scores 640 to 659

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%


 

VA Hybrid 3/1 ARM – Credit Scores 660 to 699

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%


 

VA Hybrid 3/1 ARM – Credit Scores 740+

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%


VA Hybrid 5/1 ARM – Credit Scores 620 to 639

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%


 

VA Hybrid 5/1 ARM – Credit Scores 640 to 659

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%


 

VA Hybrid 5/1 ARM – Credit Scores 660 to 699

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%


 

VA Hybrid 5/1 ARM – Credit Scores 740+

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%


 

Click here for your free customized quote.

 

 

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

Today's VA Mortgage Rates

Fish Bait, Texas Style

November 13, 2009 No comments

Do Not Try This At Home!

Another “snake in the water” story from the heart of Texas . Not just a yarn, though. Got pics.

In 20 years of fishing the Middle/Upper Brazos River, I can honestly say that I have never encountered a venomous snake (pit viper) within the riverbed. However, as I tell my clients, go outside the riverbed and that can be a very different story.

Obviously, just because I have never come across a venomous snake in the river, does not in any way mean they are not there. In fact, I always remain vigilant and on the lookout knowing that I’m simply overdue for my first encounter.

The way I look at it, Texas , venomous snakes and the outdoors will always go hand in hand.

So, I wasn’t too surprised when I observed a juvenile rattlesnake headed across the river while I was in my kayak flipping a jig for bass.

ATT00001

I continue fishing. However, I can’t help to notice the rattler has changed its course and is headed straight for my kayak.

ATT00002

At this point, I’ve pretty much quit fishing and have my attention focused on the intentions of this potentially pesky pit viper.

While tracking the rattler’s movement, I couldn’t help but think, from a fish’s point of view, how enticing the serpentine motion of this snake looked while in the water.

Suddenly, I am jolted back to reality by the fact the rattler is now alongside my kayak and is lifting its head out of the water in an apparent attempt to come aboard.

ATT00003

No way I’m having this ill intentioned reptilian hitchhiker nosing around the kayak. So, with a couple whacks of the paddle, it’s now docile as can be.

ATT00004

Now my mind begins to wonder… Hamm .

This rattler looks like mighty good big bass bait!!!

ATT00006

I put him in one of the footwalls on the kayak and paddle over to a series of submerged river lay downs so I can begin to put my plan into action.

ATT00007

Here is my “Superstar” getting warmed up in the bullpen.

Put me in, Coach!!!

I now cautiously rig the snake by hooking it through the bottom of the jaw and through the top of the head onto a weed less black 3/4 oz. jig.

ATT00008

On my sixth cast into the snag infested lay down my jig n snake combo gets destroyed on the fall as indicated by a telltale “thump” that reverberates all the way down my rod blank. I set the hook hard and immediately feel stiff resistance on the other end from what I know is a solid fish.

What happens next is something I’ll likely never forget as I watch my bass come cart wheeling out of the water with the rattler hanging out of it’s mouth!

The LMB gave a really good account of itself and I eventually get her alongside the kayak. I cautiously lip the opposite side of the cavernous mouth where the fish is hooked.

I now take a moment to pose with my oversize snake eating river bass before returning her back into the river depths.

ATT00009

I admit, my curiosity might have gotten the best of me on this one. However, I just couldn’t help it.

In the end…

It was just another Kayak Fishing Adventure on the Brazos River , Texas.

ATT00010

Please feel free to share your fishing stories with us!

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