There are some who don't think much of small sensor cameras like my Panasonic DMZ 100 because of its limitations.   Personally I wouldn't trade it for the world.  The first two pictures illustrate what I mean.  If I didn't have the camera with the long lens I wouldn't have gotten the vapor coming off the road signs (have a great video also).  A lot of people say they could just crop this from their regular 75mm lens but I don't think they would have seen it to crop it.  You have to see it (can you see the road signs).  If you did see it who knows what the lens would have focused on.  The other ones are just because I love them.

There are some who don't think much of small sensor cameras like my Panasonic DMZ 100 because of its limitations.   Personally I wouldn't trade it for the world.  The first two pictures illustrate what I mean.  If I didn't have the camera with the long lens I wouldn't have gotten the vapor coming off the road signs (have a great video also).  A lot of people say they could just crop this from their regular 75mm lens but I don't think they would have seen it to crop it.  You have to see it (can you see the road signs).  If you did see it who knows what the lens would have focused on.  The other ones are just because I love them.

I take my ShiPoo for walks along the Glenwood golf course at night.  I let him run loose because there is never anyone else around.  Sometimes it is hard to locate him.  Now I just bring flash with me and when I can't locate him I use the flash and there he is.  Flashlights work also but arent' as neat.

I take my ShiPoo for walks along the golf course at night.  I let him run loose because there is never anyone else around.  Sometimes it is hard to locate him.  Now I just bring flash with me and when I can't locate him I use the flash and there he is.  Flashlights work also but arent' as neat.

You know 411, 911 but do you know 811?  I bet the person that puts your real estate sign posts in the yards around Chesapeake knows 811.  811 is a Virginia statewide number for anyone getting ready to do any type of excavation on their property.  It is commonly known as Miss Utility.  Once you call they will come out and mark your utility lines so you don't have a mishap.  Some cable and phone lines are just several inches under ground and it doesn't take much to dig them up. 

Somewhere around 70,000 incidents nationwide were the results of someone not calling 811 ahead of time.  The incidents were as small as cutting a cable to rupturing a gas line.  My wife worked in new construction and those guys were always breaking something.  They should have 811 tattooed on their arms.

The state is sending out DVD's and making appearances to schools.  They figure that young people will remember this when they get older and also will say something to their parents if they see them getting ready to dig.  Most professionals already know about 811. 

You know 411, 911 but do you know 811?  I bet the person that puts your real estate sign posts in the yards knows 811.  811 is a Virginia statewide number for anyone getting ready to do any type of excavation on their property.  It is commonly known as Miss Utility.  Once you call they will come out and mark your utility lines so you don't have a mishap.  Some cable and phone lines are just several inches under ground and it doesn't take much to dig them up. 

Somewhere around 70,000 incidents nationwide were the results of someone not calling 811 ahead of time.  The incidents were as small as cutting a cable to rupturing a gas line.  My wife worked in new construction and those guys were always breaking something.  They should have 811 tattooed on their arms.

The state is sending out DVD's and making appearances to schools.  They figure that young people will remember this when they get older and also will say something to their parents if they see them getting ready to dig.  Most professionals already know about 811. 

The Home Affordable Refinance Program (HARP) was designed in 2009 to help homeowners whose property value had fallen below what they could afford but were still making payments.  The program did not help many homeowners as the requirements were too strict. 

One of the big changes is that now homeowners whose mortgage is more then 125% of the value of the house may apply.  Other requirements remain the same.  Bought the house using a FANNIE MAE or FREDDIE MAC type loan before June 2009, owner must be current on mortgage, no late payments in the last six months, no more than one late payment in the last 12 months and not have refinanced in the last 2 1/2 years.

This program is expected to be open to another million or so homeowners.  The savings could be as little as $100 a month to over $500 depending on your current interest rate and loan amount.  Talk to your mortgage lender and see if they participate in the program.   

Even with falling debt and fewer late payments the average credit score for Norfolk consumers by by one point.  It went from 741 to 740.  It may not sound like much but in Experians latest "State of Credit" Norfolk fell eight places.  This report is put out yearly by Experian a major credit reporting company.  Their credit score is called VantageScore and is similar to the more widely known FICO scoring system. 

Your credit score is important because the higher it is the less banks will ask for additional documentation.  In addition you can qualify for better terms with some credit extending places, especially when purchasing a new or used car or even a new home for your family. 

Several ways to increase your score are to make sure you make all your payments on time, every time.  Your utilization rate: your balance compared to your credit limit.  There are many other factors as well but those are the ones that will affect the scores the most.

With these type credit scores a Norfolk resident should be able to purchase a home for themselves or possibly get into a investment opportunity.  Call me for details.

I found a new way to print my real estate documents from my DROID Bionic.  I downloaded an app from the MarketPlace called "wifi file transfer"  It turns the DROID or other Android phones into what is basically a website.  When you activate the wifi transfer application it will give you an URL to put into your web browser on your desktop or webtop and now you have instant access to everything on your DROID Bionic. 

If you are going to do this, remember one important item which is not mentioned anywhere.  The DROID Bionic comes with 16 gig of memory.  8 gig is used for programs and 8 gigs for storage.  This 8 gigs is called SD CARD.  You won't find what you are looking for there.  You have to find the SDCARD-EXT to gain access to the SD Card you installed in the phone.

I think it is so cool to be able to walk into my real estate office and print a document that is located on my home computer through my DROID Bionic!!!.  Of course if the document was on the CLOUD I wouldn't have to log on to ZUMOCAST to do that but I forget a lot of times.  With the DROID Bionic  and MOTOPRINT I can print what ever I have access to directly and not fuss with emailing and downloading and such.