Facebook9Tweet0Pin0 You see the billboards around town. Pop-ups jump onto your screen when you are surfing the Internet. You find glossy postcards in your mailbox. All these mechanisms, advertising low interest rate home loans, are geared to get you to call and find out just how much a lender can save you.But are they really saving you? And, do you know that the person you are working with has your best interests in mind? Or maybe they just want to get you into this loan to meet their quota or earn a commission.Instead, William Tuning encourages you to sit across the desk from a local mortgage lender.A member of CU Mortgage Division, which is a branch of of Nations Lending Corporation, NMLS# 32416, Tuning’s office is in West Olympia. You can call him directly with no switchboard to interfere. He responds to text messages and emails to get you answers that you need. This accessibility is one thing that sets Tuning apart from internet banks. Often times you will even see his e-mails come in on a weekend or late evening too as that is just the kind of service his active pre-approved purchase clients who are shopping for a home typically receive.“The internet is a good place to conduct research. There are tools that can provide great information but you aren’t forming a relationship,” explains Tuning.“It’s very tricky because that person on the other end of the phone doesn’t have anything invested in you when they hang up,” he continues. “Sure, you may get a low rate but do you know that you are paying in fees? Are you receiving a personal explanation of the forms?” Often people see the low rate but do not know how much it actually costs to get that rate and when it is explained they are shocked at the cost as they did not know that is what the form meant when they signed it to get the low rate.Tuning adds that frequently people don’t understand the lengthy forms that they are signing when completing a mortgage through the mail or over the internet. He encourages home buyers to figure out exactly what you are paying versus what’s advertised.“You may see a low rate advertised but there is no mention of the cost to get that rate. It’s like saying, ‘oh, you want to buy a car – do you want tires with that?’” explains Tuning. Having a local relationship can be invaluable when going through the home buying process as it can make the seller a whole lot more comfortable knowing your lender is local rather than located 2000 miles away.Tuning encourages Olympia home buyers to check the local mortgage lending market first. He believes that local customer service is better for everyone in the process.To learn more about William Tuning and his approach to helping people achieve home ownership, click here.You can reach William Tuning directly at 360.539.4687 or via email at firstname.lastname@example.org.
Facebook38Tweet0Pin12Submitted by Drew Freemantle for Maid PerfectWater with a high iron content can cause stains in showers, sinks, fixtures and toilets to the point in which you may have to replace them. This stain can become permanent if it is not removed correctly. For example bleach can actually set this type of stain, so it is important to know what type of chemicals that you can use. Today we will share with you the best way that we have found to remove this kind of stain.There are several cleaners for the removal of iron or rust stains out there. Some of these are pretty toxic and we really don’t like working with them. We have found Bar Keepers works best for us. As always when you are using any type of chemical, you should make sure that you are in a well ventilated area. Bar Keepers is an ammonia based product so you don’t have to worry about setting the stain.Removing rust stains in the showerMaid Perfect faced a tough job when cleaning this severely rust stained shower.What will I need?Bar Keepers FriendBlue scrub padBig cup or shower with hose in it for rinsingSmall bowl to make a paste out of Bar KeepersStep 1Use one part water to two parts Bar Keepers to make a paste in a small container.Step 2Work from the top and apply the paste with the blue soft scrub pad to the affected area. Work on small patches and rinse with shower hose or large cup of water until clean.Removing stains and rings in toiletsAfter the Maid Perfect staff cleaned this shower with Bar Keepers Friend, it looks nearly brand new. What will I need?Non-bleach toilet bowl cleaner or Bar KeepersScouring stickStep 1Clean the toilet the best you can with a non-bleach toilet bowl cleaner.Step 2Use a Scouring stick to get rid of any rings inside the toilet.We at Maid Perfect hope this has helped you. If you have any questions please feel free to give us a call 360-402-6248 or visit our website. Maid Perfect is a residential and commercial cleaning company that has been serving the Olympia, Lacey and Tumwater areas for over eight years. Check out Maid Perfect on Facebook.
Facebook0Tweet0Pin0Submitted by Saint Martin’s UniversitySaint Martin’s University is pleased to announce its co-valedictorians and salutatorian for the Class of 2017. Co-valedictorians are Tessa Blackstad of Shelton, Hope Chamberlain of Port Angeles, and Taylor Gersch of Sherwood, Ore., both of whom have a perfect 4.0 grade point average. Salutatorian Hannah Wesselman, of Spokane, will graduate with a 3.99 grade point average.Co-valedictorian Tessa BlackstadCo-valedictorian Tessa Blackstad is graduating summa cum laude (with highest honors) with a Bachelor of Arts degree in elementary education. She also has earned an English Language Learners endorsement and a minor in Japanese. She will study at the Canadian Institute of Linguistics this summer, and after completing her studies, plans to return to Japan as a teacher. In 2015, she completed a three-month teaching assistant internship at an English immersion school in Sendai, Japan. She is exploring a future in Bible translation. At Saint Martin’s, Blackstad worked as a technical services assistant at O’Grady Library prior to accepting a third-grade teaching position at Mason County Christian School during her final year at the University. While a student, she was chosen for membership in the Society of Fellows, Saint Martin’s honor society, and was a presenter at 2016’s Scholars’ Day, an event showcasing the best student projects and research done each year. Blackstad was a member of the University’s Future Educators Club and was active in the Conversation Partners Program operated by the Office of International Programs and Development. She and her family have served as a host family to several of the University’s international students. She also teaches financial literacy to grade school students though a program with Junior Achievement.Co-valedictorian Hope ChamberlainValedictorian Hope Chamberlain. Photo Courtesy: Saint Martin’s UniversityCo-valedictorian Hope Chamberlain is graduating summa cum laude (with highest honor) with dual Bachelor of Arts degrees in English and theatre arts. She also has a minor in music. She will pursue a Master of Arts Degree in teaching at the University of Portland through the Portland Alliance for Catholic Education Program and will be student teaching in Salt Lake City, Utah.At Saint Martin’s, Chamberlain is a member of the second cohort of Benedictine Scholars, a leadership/scholarship program in which those selected serve as ambassadors of the University’s Benedictine values. As a Benedictine Scholar, she has participated in many projects, most recently in restoration of Saint Martin’s outdoor Stations of the Cross and the Year of Faith survey project. Chamberlain performed in several plays and twice directed plays with both the music and theatre arts departments. She served as a student ambassador with the Office of Admissions for three years and as a resident assistant with the Office of Housing and Residence Life for two. She also has participated in several campus organizations and activities, including Society of Fellows, the University’s honor society; Sigma Tau Delta English honorary; Polyphony, an a Capella club; Saints for Life; Sisters of Scholastica Catholic women’s group; Saint Martin’s Chorale; and the Campus Ministry Student Liturgy Coir, where she served as cantor.Co-valedictorian Taylor GerschValedictorian Taylor Gersch. Photo Courtesy: Saint Martin’s UniversityCo-valedictorian Taylor Gersch is graduating summa cum laude with a Bachelor of Arts Degree in business administration with a concentration in marketing. She is working on her Master of Business Administration Degree at Saint Martin’s and intends to complete it this fall, after which she plans to teach English in Italy. In fall 2018, she plans to enter law school. As an undergraduate, she completed internships at Kaiser Permanente’s Department of Medical Informatics in Portland and at the Thurston County Prosecuting Attorney’s Office in Olympia.As a Saint Martin’s student, Gersch has participated in the Society of Fellows and as a member and former undergraduate president of Delta Mu Delta business honor society. She was district and regional scholarship winner of the Jane M. Klausman Award through the Zonta Club of Olympia. As a member of the Saint Martin’s women’s soccer team, Gersch was named to the CoSIDA Academic All-District Team and the NSCAA America All-Conference Team. She also earned the Great Northwest Athletic Conference’s Faculty Athletic Representative Scholar-Athlete Award and the CoSIDA Academic All-American Award. She was a staff writer for The Belltower, the University’s student newspaper, and has worked as a graduate assistant for Associate Prof. of Business Don Conant, Ph.D.Salutatorian Hannah WesselmanSalutatorian Hannah Wesselman. Photo Courtesy: Saint Martin’s UniversitySalutatorian Hannah Wesselman will graduate summa cum laude with a Bachelor of Science Degree in biology. After graduation, she will study abroad in Finland, Norway, Iceland, Sweden, Denmark and Ireland. While she has been accepted to two Ph.D. programs and a master’s program in molecular biosciences, she will be deferring graduate school for a year to serve as a fellow with the nonprofit Pittsburgh Urban Leadership and Service Experience (PULSE). The program enables select university graduates to live and work in community while giving volunteer service at their choice of the Pennsylvania city’s non-profits.While at Saint Martin’s, Hannah has been a mentor and a community coordinator in the University’s Norcia Leadership Community and has participated in numerous service immersion projects. She also worked for the Center for Student Learning, Writing and Advising, Disability Support Services and the offices of Campus Life, Campus Ministry and Diversity and Service Initiatives. She is a member of Beta Beta Beta biology honorary; the Saint Martin’s chapter of Phi Kappa Phi national honor society; the Society of Fellows; and the University’s Biology Club and Chemistry Club.The Saint Martin’s University 2017 Commencement ceremony will begin at 10 a.m. Saturday, May 20, at Marcus Pavilion on the University’s Lacey campus, 5300 Pacific Ave SE. Tickets are required for attendance; doors will open at 9 a.m. For more information on 2017 Commencement, please go to the Saint Martin University’s website.
Advertisement o9zsfNBA Finals | Brooklyn Vs9f00Wingsuit rodeo📽Sindre Ec7v( IG: @_aubreyfisher @imraino ) ayWould you ever consider trying this?😱7ssi3Can your students do this? 🌚cfn0xRoller skating! Powered by Firework In the recent years, the North London derby looks even and both teams fancy winning it but taking the entire PL era into perspective, forget Arsenal, even Arsene Wenger seems to be bigger than Tottenham Hotspurs.Advertisement Advertisement The stat may be weird to some but to the regular fan, it’s a testament to Arsene Wenger’s legacy at Arsenal.Sir Alex Ferguson stands tall and first in the list of most PL wins as manager with 528 wins. Second to him is Wenger. Harry Redknapp, David Moyes and Jose Mourinho take up 3rd , 4th and 5th. Advertisement
Advertisement 1b1zu1NBA Finals | Brooklyn Vs5rybmdWingsuit rodeo📽Sindre Ebmcgggh( IG: @_aubreyfisher @imraino ) 819qWould you ever consider trying this?😱r5bCan your students do this? 🌚8zyRoller skating! Powered by Firework While the Super Series might look like a delicate friendly contest between fierce cricketing nations, it has several nuances that will result in major ramifications that can change cricket as we know it after further probing.Advertisement Much like the popular television show Game Of Thrones, the latest spectacle between the unification of the allied boards against the ruling ICC poses edge of the seat drama. ICC’s carefully naturesque panned out ODI program right after the 2023 World Cup has been opposed by the BCCI due to the incorporation of an extra 50-over tournament. The extra tournament will take a major hit on BCCI’s revenues.Advertisement While there are ravens in the fantasy world of Westeros, here instead of carrier birds, we have a slew of e-mails which were written by BCCI’s CEO Rahul Johri to the ICC’s counterpart warning him to hold off making any “premature” decisions which could lead to major “repercussions”. Much like a prophecy, it has come true with the BCCI heading the battle against the ICC with ECB and CA by its side.As soon as his appointment as the president of the BCCI, Sourav Ganguly gave a warning cry to the people involved and promised a course of action.Advertisement “That’s one area, we will have to take care of it because we have not received any money in the last three-four years from the ICC,” Ganguly said. “Money in the sense what you deserve because India generates 75-80% of the (global cricket) revenue, so that is going to be one of the big agendas. Talks and discussions need to happen and we need to find a solution because this is not leading anywhere.”While the creation of a Super Series would guarantee an exemplary quality of cricket with 3 of the 4 World Cup finalists already there. But it would not go down well with the ICC who have prohibited non-ICC tournaments comprising of three or more teams.Sourav Ganguly stayed true to his words and has approached a different avenue to get the revenue which won’t be obtained with the participation in the additional ICC approved 50-over tournament. The BCCI President dropped the bombshell“Australia, England, India and another top team will feature in the Super Series, which begins in 2021, and the first edition of the tournament will be played in India,” However, the Prince Of Bengal’s enthusiasm wore out slowly after getting cagey and revealing that nothing is confirmed as of yet.The Super Series threatens to burst the perfectly balanced bubble created to benefit all the members of the organization. The existence of the big three ceases to bring forward disarray which will mean moving away from harmony and growth.With cricket growing faster and broader ever than before, the boards need to reach a settlement with the ICC instead of searching and going for an alternative route to generate revenue. The approach will only result in the stalling of the globalization of this beautiful sport.For the very first time since its inception, cricket would be waging a war where neither bat or swords, ball or bullets won’t solve the issue at hand. The sooner there is a compromise, the longer the sport lasts.Read Also:Shihkar Dhawan in positive spirits after return from injury setback: ‘A learning man is always an earning man!’Vigilante Turbanator: Harbhajan Singh bats for Suryakumar Yadav selection; accuses Indian selectors of bias Advertisement
Advertisement wqNBA Finals | Brooklyn Vsf82f0bWingsuit rodeo📽Sindre Etgrv5a( IG: @_aubreyfisher @imraino ) z3Would you ever consider trying this?😱74Can your students do this? 🌚ggcRoller skating! Powered by Firework Lionel Messi has confirmed that Neymar “really wants to come back to Barcelona” and that him along with his colleagues tried their best to convince the Brazilian superstar for an epic return last summer. The 28-year-old Neymar, has been constantly linked with a return to his former club since he joined Paris Saint-Germain for €222 million in August 2017.Advertisement Picture Credit: BBC Sport“It bothered me at the time and we tried to convince him not to do it. But we all want to win and have the best players around us. He’s one of the best players in the world and he brought a lot to the team. But it’s understandable that people would see it as leaving in a bad way.”“He is desperate to return and has always appeared to regret his decision. He did a lot to come back and that would be the first step in making it happen. He was always fine at Barca, performing at a very high level. He’s a different type of player who is difficult to stop one-on-one and scores goals” the six-time Balon D’Or-winner said.Advertisement Back in 2015 Neymar formed the famous trident of ‘MSN’ with Messi and Luis Suarez for three seasons, and won the treble in 2015. However, a couple of years later PSG triggered the Brazilian’s 222 million euros release clause angering the Blaugrana faithful and since his arrival at the French capital, Neymar netted 67 times while assisting further 39 in 77 total appearances for PSG. During this period, he won two Ligue 1 titles and a third one seemingly on its way as the Parisians lead the table by 10 points.“At the end of the day we all want to win and have the best players and so do the fans. As I’ve said before, he’s one of the best players around and gave us a lot on the pitch.”Advertisement Meanwhile, in La Liga the Catalan giants trail los Blancos by a single point, but the Argentinian Superstar is focused on Champions League, a title which hasn’t returned to the Camp Nou since 2015.“This year us and Real Madrid have both been inconsistent in the title race but I think we’ll be fighting each other until the end of the season,” Messi added.“But if we want to win the Champions League we have to keep growing a lot more as a team because I think right now in the shape we are in we will not be able to challenge for it.”Five-time Champions League winner FC Barcelona face Serie A side Napoli in the first leg of the last 16, on Tuesday 25 February. You may also llike:PSG President wanted to make Neymar run laps around the field as punishment until his contract was upNeymar was willing to pay from his own pocket to force move from PSG!5 Greatest things Lionel Messi did in 2019 Advertisement
Music Saves Lives and the Vans Warped Tour are partnering with New Jersey Blood Services (NJBS), a division of New York Blood Center (NYBC), in reaching out to high school and college students to educate and encourage blood donations, and ensure hospital demands continue to be met over the summer.The event will be held from 1:30 to 7:30 p.m. Friday, July 6, at the Monmouth Mall, 180 Route 35.Participating donors will receive a free iTunes download card with 10 songs by the bands that are a part of the tour. Although donors will need to purchase their own tickets to the concerts, each person donating blood will also receive a VIP meet and greet voucher.Traditionally during the summer months, blood donations drop due to high school and colleges closing and regular community drives being postponed until the fall due to vacations. By the end of the summer, area hospitals usually experience critical blood shortages. The Music Saves Lives blood drives should create awareness of this need.Each and every day there are patients who depend on the transfusion of red blood cells, platelets and plasma to stay alive. But blood and blood products can’t be manufactured. They can only come from volunteer blood donors who take an hour to attend a blood drive or visit a donor center.NJ Blood Services, which supplies blood products and services to hospitals throughout the tri-state area, is urging all eligible persons to donate. Donors must be in generally good health, weigh at least 110 pounds, at least 17 years of age, or 16 with parental consent. Blood donors should drink plenty of water and eat regular meals prior to donating. People with tattoos are eligible to donate provided they were tattooed in a licensed N.J. shop.Blood donors must present a photo or signed ID. Those younger than 16 may have someone donate on their behalf to receive the iTunes download card and voucher.Medical questions regarding eligibility should be directed to NJ Blood Services at 800-933-BLOOD (2566).For information regarding additional Music Saves Lives blood drives, log on to http://tinyurl.com/MSLblooddrives
Many area schools opened this week, including the new Trinity Hall in Middletown.The independent all-girls school in the Catholic tradition opened its door officially Wednesday for the first time. Girls from 23 towns in Monmouth County are students at the school.The first class, known as the Leadership Class, is will attend school at Trinity Hall’s temporary location of Croydon Hall, 900 Leonardville Road in Leonardo until a permanent location is finalized and announced.The founders have been working on this project for several years.“The creation of Trinity Hall has been an incredibly huge project with a tremendous amount of time and energy devoted to it,” said Victoria Gmelich, co-founder. “But to see the doors opening with our inaugural class has proven more than worth the effort. I am truly proud of all the girls and their families committed to our vision, and I look forward to them reaping the benefits of all that Trinity Hall has to offer, especially the expertise of the faculty and the innovative curriculum.”“After working on this project for so many years it’s hard to believe opening day is finally here,” said Mairead Clifford, co-founder. “I feel incredibly proud of all the hard work that has gone into making this dream a reality and grateful to those who have taken this historical step with us.”The school’s founders, Victoria and Justin Gmelich and Mairead and Sean Clifford, continue to work on Trinity Hall development. Despite the excitement of the first day of school, Victoria Gmelich noted that the project is far from over.“While we are off to a successful start we are certainly looking toward the future. We are working diligently to secure and develop a permanent site with all the amenities a top-notch preparatory school will need.”Trinity Hall is hosting open house events on Oct. 5 and Nov. 2. Interested families are encouraged to attend. Applications will be available during the open houses for grades 9 and 10 for the 2014-2015 school year.
By John BurtonRED BANK — For four decades The Rev. Msgr. Philip A. Lowery has dedicated his life to his faith and addressing the spiritual needs of those in his parishes and it’s been a life well spent.“It has been very rewarding,” said Lowery about the 40th anniversary of his ordination to priesthood, with 26 of them spent at St. James Church, 94 Broad St., as of July, the longest tenure in his career with the Church.“It has turned out beautifully,” Lowery said of his life thus far, continuing to appreciate the opportunity to share in the lives of so many, administering the sacraments, participating in the joys and offering comfort and solace in times of pain. “The people have made it very rewarding in many different ways,” he noted. “They’ve touched my life in many ways.”For Lowery what also continues to offer him joy is “to be able to celebrate with people to liturgy,” the religious services associated with the Roman Catholic faith.Lowery, 67, serves as pastor and monsignor for the parish church which counts 4,200 families, and its two schools, St. James grammar school, with about 400 students, and Red Bank Catholic High School, with approximately 900 students who live in Monmouth, Middlesex and Ocean counties.Msgr. Philip A. Lowery of St. James Roman Catholic Church in Red Bank celebrated the 40th anniversary of his ordination May 22.As pastor and monsignor, Lowery function with the schools is akin to a superintendent, he explained, with the principals handling the day-to-day operations. As for his title of monsignor, Lowery down played it, calling it simply an honorary designation, “Nothing more than that.” But the title is designated from the Pope through the local diocese.Lowery has for the last 21 years served as chief of chaplains for the NJ State Police. That posting has him oversee the other police chaplains – three rabbis, three ministers, three Roman Catholic priests and a Muslim imam, and coordinating their efforts to provide support and counseling for officers and their families.Lowery in his role with the State Police was called into service in the aftermath of the 9/11 terrorist attacks nearly 15 years ago, when he volunteered to join its Task Force 1, “just to be there” for rescue workers and others on the outskirts of Ground Zero, he said.The same was true of his traveling to New Orleans for that city’s recovery efforts following Hurricane Katrina in 2005.“Your presence there,” at such catastrophic events (even locally after 9/11 when St. James’ parish lost six of its members, and five parents of RBC students), “said so much to so many people,” Lowery remembered.Lowery grew up in Jersey City as an only child, raised in the Catholic faith and attending Catholic schools. At about 19 he decided the life of a priest was his calling and “I wanted to give it a try.” He attended Holy Apostles College and Seminary, in Cromwell, Connecticut, and did his graduate studies at Mount St. Mary’s Seminary, Emmitsburg, Maryland. He went on to serve at St. Joseph’s parish in Toms River, from 1976 to 1987; and then at St. Barnabas, in Bayville, before coming to St. James in 1990, where he’s been ever since, seeing families grow and offering the sacraments to a second generation. And “I can’t image doing anything else,” than what he has for the last 40 years maintaining he’s “very happy and content” in his life’s work.And “God willing, if it is His plan,” Lowery hopes to continue to serve and serve here at St. James.
By Liz Sheehan|SEA BRIGHT – Neighbors, some accompanied by their attorneys, came to the Jan. 24 meeting of the Unified Planning Board to object to the proposal to build two houses at 408 Ocean Ave., in the North Beach section of the town, where one has stood since 1912.After nearly four hours of hearing from attorneys, planners, an architect and residents, the board unanimously turned down the applicant’s request, determining it would detract from the character of the neighborhood, an R-1, single family residential zone.Super Storm Sandy damaged the home, which is on a flag, or L-shaped lot, with one section stretching from the Shrewsbury River to Ocean Avenue, and has extra parking on the ocean side of the road.Joseph Martucci, Hackensack, who bought the property after Sandy, said he wanted to build two houses on the property, which is two tax lots, one for himself and another for family or other use. He said the house he would use would be 5,000 square feet and the second 3,800 square feet.One lot, with the larger house, would extend from Ocean Avenue to the river while the other would front on Ocean Avenue and end at a neighboring property which is on the river.Martin McGann, the attorney for Martucci, said the proposal for the two houses on the property, which was 26,700 square feet, met and exceeded the zoning requirements for the size of a lot in the R-1 zone. The zoning requires 7,500 feet for a lot, he said, while one of the lots would be 16,915 square feet and the other 9,784 square feet.The zoning requires a width of 75 feet and the lots would each be 68 feet wide, McGann said, so a variance would be needed.He also said that there was an existing driveway with two cuts on Ocean Avenue which could be used for both houses, eliminating the need for another cut in the road.Andrew Janiw, a planner and an expert witness for the applicant, said although the zone was designated as R-1 residential, there were many other uses in it, including a motel and multifamily buildings, which he identified by the number of gas meters on the outside of the buildings.The property had previously been in an R-2 zone, with different zoning standards, but the zone was changed to R-1 several years ago.Andrew Thomas, a planner who testified for Guy Farrington, who lives in the property on the Shrewsbury River behind one section of Martucci’s lot, said the houses on Ocean Avenue, to the north and south of 408 Ocean Ave., had lot widths that complied with the zoning requirements, with the majority having greater widths.Farrington said he had grown up in the neighborhood and “had grown up riding his bicycle,” in the streets there.He said increasing the property density with an additional house would have an impact on “the character, nature and essence of this part of town.”“I think one house is a lot better that two,” Farrington said.Janice DeMarco, 406 Ocean Ave., said “I would like just one house.”The neighbors’ concerns echoed those heard from other residents in Sandy-damaged communities where lots that formerly had one house were now having either two houses placed on them or much larger mansions replacing older homes. This article was first published in the Feb. 2-9, 2017 print edition of The Two River Times.