Photo of the Day - December 30, 2020
Lender makes home loan process easier for buyers
"Getting a home loan should not be an intimidating and difficult process, and we are continuously working to make the home financing journey - from application to closing - as easy as possible," said company president Eric Hamilton "A seamless home loan process greatly improves the customer experience, which is at the heart of our business."
Vanderbilt also enhanced its online application to simplify the process for customers on the company website.
Along with making the loan approval process easier for customers, Vanderbilt is continuing a program offering no payments for 60 days. This program automatically extends most new customers' first mortgage payment due date for 60 days after closing. While there are some additional requirements and restrictions, the program gives customers extra time to focus on paying the costs of moving in, without worrying about their first mortgage payment.
Over the last two years, the mortgage company has published an updated version of their home loan guide that contains helpful articles designed to explain the loan process to customers and valuable tips to ensure they are prepared during each step along the way.
Photo of the Day - December 29, 2020
Taking their best shot
Photo:
PhotoNews Media/Clark Brooks
PhotoNews Media/Clark Brooks
Photo of the Day - December 28, 2020
Tres grandes sonrisas
Photo: PhotoNews Media/Clark Brooks
Guest Commentary: Decisions determine our destiny
By Glenn Mollette, Guest Commentator
2021 is here, and will it be just another year?
If it's just another year then that won't be bad at all because too many will not have another year. The opportunity and privilege to have another year is the gift of life. Being alive and living your life is about as good as it gets. Aim for being alive this time next year.
Make some decisions about 2021. Where do you want to be this time in 12 months? Would you like to be ten pounds heavier? Maybe you would like to be ten or twenty pounds lighter?
If you cut back on your portions and get off the couch you can lose a pound a week on average. This is daunting but just think about where you can be the first of March if you start today? Don't start tomorrow. Start right now. Today. This minute. Throw all that junk cake and pie in the trash. This is a tough decision because we hate to say goodbye to all those holiday cookies and candies. Your body will thank you and you will feel so much better very soon.
Decide about financial habits. Millions of Americans carry credit card debt. Minimum payments on $3,000 of credit card debt is like swimming up river. If you have missed a few payments your credit card company may be anxious to hear from you. Ask them if they will consider a settlement payoff. A friend of mine owed $5,000 and his credit card company settled for a $2800 payoff. Your company might or might not but it never hurts to negotiate. You might be able to sell some things in order to erase that back breaking high interest debt.
Make some money in 2021 - if you want to. Most Americans need to make money in 2021. Work on job applications. Peruse the newspaper. Search online. Consider places you have heard about and call them, go see them. Knock on doors of opportunity. You get nowhere if you do not try. You might complete 20 or 30 applications to get one job interview. Complete the application thoroughly. Give them a reason to consider you. Put together a good biographical sketch, resume. Have a friend or two to review and edit because two heads are better than one. Have some good trusted references. Wherever you work do a good job because you want them to say a good word about you. A good word may seal the deal on your next job opportunity.
Jobs sometimes are scarce. Consider your personal knowledge and abilities and what might you do to make a dollar or two? What do you know that others need to know? What can you offer that others need or might want? Can you make something? Can you fix things? How can you help others? Creating your own life and business might be the financial and mental sanity answer for you. If you create your own work and are good at what you do, you will not run out of something to do.
Our decisions determine our destiny. Whatever decision we make we have to put into action. Faith without works is dead. May your life be good, healthy and filled with wonderful love, family and friends in 2021. Let's work together for a good year.
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2021 is here, and will it be just another year?
If it's just another year then that won't be bad at all because too many will not have another year. The opportunity and privilege to have another year is the gift of life. Being alive and living your life is about as good as it gets. Aim for being alive this time next year.
Make some decisions about 2021. Where do you want to be this time in 12 months? Would you like to be ten pounds heavier? Maybe you would like to be ten or twenty pounds lighter?
If you cut back on your portions and get off the couch you can lose a pound a week on average. This is daunting but just think about where you can be the first of March if you start today? Don't start tomorrow. Start right now. Today. This minute. Throw all that junk cake and pie in the trash. This is a tough decision because we hate to say goodbye to all those holiday cookies and candies. Your body will thank you and you will feel so much better very soon.
Decide about financial habits. Millions of Americans carry credit card debt. Minimum payments on $3,000 of credit card debt is like swimming up river. If you have missed a few payments your credit card company may be anxious to hear from you. Ask them if they will consider a settlement payoff. A friend of mine owed $5,000 and his credit card company settled for a $2800 payoff. Your company might or might not but it never hurts to negotiate. You might be able to sell some things in order to erase that back breaking high interest debt.
Make some money in 2021 - if you want to. Most Americans need to make money in 2021. Work on job applications. Peruse the newspaper. Search online. Consider places you have heard about and call them, go see them. Knock on doors of opportunity. You get nowhere if you do not try. You might complete 20 or 30 applications to get one job interview. Complete the application thoroughly. Give them a reason to consider you. Put together a good biographical sketch, resume. Have a friend or two to review and edit because two heads are better than one. Have some good trusted references. Wherever you work do a good job because you want them to say a good word about you. A good word may seal the deal on your next job opportunity.
Jobs sometimes are scarce. Consider your personal knowledge and abilities and what might you do to make a dollar or two? What do you know that others need to know? What can you offer that others need or might want? Can you make something? Can you fix things? How can you help others? Creating your own life and business might be the financial and mental sanity answer for you. If you create your own work and are good at what you do, you will not run out of something to do.
Our decisions determine our destiny. Whatever decision we make we have to put into action. Faith without works is dead. May your life be good, healthy and filled with wonderful love, family and friends in 2021. Let's work together for a good year.
Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.
This article is the sole opinions of the author and does not necessarily reflect the views of PhotoNews Media. We welcome comments and views from our readers.
Area restaurant owners have a court date for operating without a health permit
"Not till I get a court order," is what restaurateur Jeff Buckler told The News-Gazette on Friday, December 18, the day after his establishment, Lil Buford's in Tolono had its health permit pulled and was asked to close. "Wars aren’t won in one fight." Now he is a little more than three weeks of finding out if he picked the wrong battle.
This morning, the Champaign-Urbana newspaper reported that Buckler, and Charles Buck, owner of Billy Bob’s Under the Water Tower in Ogden, are formally charged with operating a restaurant without a valid health permit.
Billy Bob's permit was suspended on December 11. Both restaurant owners have continued to operate providing dining services without county permits.
Despite Champaign County having the third lowest positivity level among the 102 Illinois counties, under Illinois' multi-tier resurgence mitigation plan indoor service at bars and restaurants is prohibited. However, outdoor service and carry-out and delivery sales are still allowed at establishments that possess all the requisite permits by state, county and local governments.
Buckler also owns Buford's in Sadorus which currently offers carryout and outdoor service only after he ceased indoor dining earlier this month. Even in the face of fines, attorney fees and possible court order closure, Lil Buford's, which opened in October, continues to offer dine-in service today.
Fighting tooth and nail for the survival of his business, Buckler's resistance effort made the national news on Sunday. He told FoxNews "there are thousands of servers and cooks and bartenders are out of work" and that "People are starving. It's going to get bad here soon."
The two owners and their attorneys are scheduled to be in court January 21.
Several other Champaign County bar and restaurant establishments that have ignored the state's public health mandate have entered settlement agreements with the health department's enforcement after appearances in court or prior docketed dates. Merry-Ann’s Diner in Champaign, the American Legion Post 71, Apple Dumplin’ at 2014 N. High Cross Road, U; Not Too Far Bar at 203 Chapin St., Ivesdale; and Red Wheel Restaurant at 741 Broadmeadow, Rantoul, all were cited for continuing indoor dining.
The Apple Dumpling was permanently restricted from operating without a valid health permit in a decision by Judge Benjamin Dyer. In a settlement agreement by owners Jim and Kathryn Flaningam and county health officials, a permanent injunction order approved a little more than a week ago included provisions that the restaurant owners must comply with all applicable laws, including any notice of requirements issued by the Champaign County Public Health Department.
The Red Wheel's suspension barely lasted 24 hours and was reinstated after a written correction was accepted by the CUPHD and a reinstatement fee was paid. In a settlement agreement with City of Champaign and the county, Merry-Ann’s agreed to quit offering indoor dining services to the public.
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