Erosion-abatement plan that aims to reduce algae in Chautauqua Lake is reviewed

MAYVILLE – A $438,000 U.S. Department of Agriculture project to stabilize the stream banks at Goose Creek near Ashville was reviewed Wednesday at the meeting of the Chautauqua County Planning and Economic Development Committee.
The goal of the project is to try to eliminate erosion along the stream and to try to reduce sediment that flows to Chautauqua Lake. Over 8,000 feet of stream will be improved according to the plan. Erosion and sediment were listed as major causes of the algae problem in Chautauqua Lake.
A local match for the project included $80,000 from the Sheldon Foundation of Jamestown. Also, $10,000 from the Chautauqua Watershed Conservancy was dedicated for the work.
County Executive Vince Horrigan said he was pleased the project was recognized with federal funds. Members of the committee agreed to add $50,000 from the county’s occupancy tax fund to help contribute to the local share of the project.
A new Chautauqua Lake and Watershed Management Alliance group received $50,000 in funding for their new administrative costs. Funding for the group was also proved by the Ralph C. Sheldon Foundation in the amount of $50,000 and $100,000 from the Reg Lenna Foundation of Jamestown. The alliance is in the process of applying for status as a nonprofit agency.
Horrigan said the organization will seek an executive director and staff and will seek grant funds. Nine communities around Chautauqua Lake are expected to participate in the new alliance.
Richard Dixon was named to the Southern Tier Extension Railroad Authority Board. Dixon replaces the term formerly held by Industrial Development Director William Daly.
New IDA Director Kevin Sanvidge was approved as a member of the Southern Tier West Regional Planning Board. Sanvidge is Daly’s replacement at the IDA.
Legislator Beth Kresge, D-Jamestown, was named as a member of the Chautauqua County Landbank Corporation.
All of the resolutions will be on the agenda at the next session.






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Gerry Rodeo hosts 70th annual event

By Susan  Chiappone | Chautauqua Correspondent

on July 13, 2014 - 8:41 PM

updated July 13, 2014 at 8:57 PM

GERRY – This Chautauqua County community will come alive July 30 to Aug. 2 during the 70th annual Gerry Rodeo on the grounds of the Gerry Fire Department, off Route 60 north of Jamestown.

Allen Peterson, 77, has never missed a rodeo. Peterson owns a farm in Fluvanna, where he raises vegetables and beef cattle. He vowed to attend this year’s rodeo at least once – and more than that – if he can get away from his duties at the farm.
“I really appreciate the events that show off the good horses and all their training,” said Peterson, who promised not to miss the traditional roast beef dinner, either.
“The dinner is just fabulous and gives me a chance to socialize with folks from the area and enjoy a really good meal,” Peterson said.
Fire department members, with Tom Atwell chairing the rodeo effort, depend on community residents for both help and attendance. The rodeo requires about 300 volunteers for preparations. For many families, the rodeo is an occasion for children, grandchildren and friends to return to the community.
“My children and grandchildren will be here,” said Paul Cooley, who manages publicity and information for the rodeo committee. He said many families plan vacations to be home in Gerry for the rodeo.
The efforts of the local fire department have been noticed by many of the event’s sponsors. This year’s rodeo brought in more major sponsors than ever before.
The rodeo started in 1945, when a working cowboy named Jack Cox moved to Gerry and suggested that the new fire department could raise funds with a rodeo.
Ward Tolman, 94, is the last surviving member of the charter committee that started the first rodeo. He remembers that there were many naysayers at the suggestion, but the community came together, borrowed bleachers from nearby schools and in just 70 days planned the very first Gerry Rodeo.
“Putting up the bleachers and building fences was a lot of work,” said Tolman, who recalled that Cox persuaded everyone the task could be done.
“We had to take the bleachers down and put them back up at the schools when the whole thing was over,” he said.
The livestock, provided for the first rodeo by Col. Jim Eskew, arrived by train. Local traffic came to a halt when the bulls and horses were brought to the arena from the center of town along Route 60.
The fire department has always contracted with a rodeo sanctioned by the Professional Rodeo Cowboys Association. Participants pay an entry fee and points earned in Gerry count toward qualification to the annual National Finals Rodeo in Las Vegas, Nev., in December. The contractor for this year’s event is Painted Pony Championship Rodeo of Lake Luzerne. The husband and wife team of Shawn and Shana Graham have been producing rodeos for more than 10 years.
Over the years, constant improvements have been made to the rodeo facilities. Additional land has been acquired, permanent bleachers have been installed in an arena capable of seating 4,000.
The new lighting makes nighttime shows easy to watch and the old dining hall has just been enlarged, refurbished and air-conditioned to accommodate the hundreds who come each year to enjoy the world-famous beef barbecue dinners.
More than 1,000 pounds of beef is cooked daily in pits over wood fires outside the dining hall. Throughout its long history, the rodeo also has remained an alcohol-free event.
“I don’t ever recall a fight or big problem here,” Cooley said.
Discount, advance-sale tickets are available on the rodeo’s website at www.gerryrodeo.org. The free children’s events are scheduled for 11 a.m. Aug. 2. Also, the “calf scramble” for children is held before the main events each day of the rodeo.
Proceeds from the rodeo are used to purchase equipment for the community fire department.

             

  

Make my default community.

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Mortgage Hassell The Real Goal Is The Perfect Loan File

Forbes

We help you make sense of your finances.

The Perfect Loan File

Mark, Greene , Contributor

Forbes


The media has it all wrong - securing mortgage approval and satisfying credit

underwriting guidelines are not the difficulties plaguing mortgage consumers. It's in

meeting the rigorous documentation requirements that most people fall flat. The good

news is, the fix is simple. Just scan, photocopy, fax, and deliver every aspect of your

financial life. Then, shortly before closing, check everything again.

Mortgage consumers who enter the mortgage approval process ready to battle their

chosen mortgage lender will come out with a nightmare story to tell. As the process,

requirements, and guidelines are the same for everybody, your mindset is the gamechanger.

Accepting the redundant documentation necessary for lender approval will

make everyone's life easier.

When I was a kid, my father occasionally issued directives that I naturally thought were

superfluous, and when asked why I needed to do whatever i t was he wanted me to do,

his answer was often: "Because I said so." This never seemed to address my query but

always left me without a retort, and I would usually comply. This is exactly what

consumers should do during the mortgage approval process. When your lender requests

what seems to be over-documentation and you wonder why you need it, accept the

simple edict - "because I said so." You will find the mortgage approval process much

less frustrating.

So, what's the perfect loan? Well, it's one that (a) pays back the lender and (b) pays b ad

the lender on time. Underwriting the perfect loan is not the goal that mortgage lenders

aspire to today.

The real goal is the perfect loan file.

Mortgage lenders have suffered staggering losses and gone out of business because of

the dreaded loan repurchase. As mortgage delinquencies increased, FannieMae and

FreddieMac began to audit mortgage loans they had purchased and discovered

substandard and fraudulent underwriting practices that violated representations and

warranties made, stating these were high quality loans. Fannie and Freddie began

forcing the originating lenders of these "bad" loans to buy them back. So a small

correspondent mortgage lender is forced to buy back a single mortgage loan in the

amount of $250,000. This becomes a $250,000 loss to a small mortgage business for a

single loan, because i t will never be repaid.

It doesn't take many of these bad loan buybacks to close the doors on many small

mortgage operations. The lending houses suffered billions of dollars of losses

repurchasing loans from Fannie and Freddie, and began to do the same thing for loans

they had purchased from smaller originators.

The small and medium sized mortgage originators that survived created underwriting

guidelines and procedures to eliminate the threat of future loan repurchase losses. The

answer? The perfect loan file.

It's no longer necessary to have excellent credit, a big down payment and stable

employment with income sufficient to support your debt service to guarantee your loan

approval. However, you must have a borrower profile that meets the credit underwriting

guidelines for the loan you are requesting. And, more importantly, you have to be able t<

hard-copy-guideline-document your profile.

Every nook and cranny of your financial life has to be corroborated, double- and triplechecked,

and reviewed again before closing. This way, if the originating lender has

created a loan file that is exactly consistent with published underwriting guidelines and

has documented while adhering to those guidelines, the chances are that your loan will

not be subject to repurchase.

Borrowers also need to prepare for processing and underwriting. Processors and

underwriters are the people trained and charged with gathering (processors), all of your

required-for-approval financial documents, and then approving (underwriters), your

loan. You can assume these people are well trained and very experienced, as they are

tasked with assembling and approving a high-quality-these-people-will-pay-us-back

loan file. But just how do they go about that?

The process begins with the filter - the loan originator (a.k.a loan officer, mortgage

consultant, mortgage adviser, etc.) - tasked to match the qualifications of a particular

mortgage deal to the appropriate underwriting guidelines. I t is the filter's job to

determine i f a loan scenario is approvable and to gather the documentation to support

that determination. I t is here, at the beginning of the approval process, where the deal is

made or broken. The rest of the approval process is just papering the file.

The filter determines whether the information provided by the borrower can be

validated and documented. This is simple, since most mortgages are approved by

automated underwriting engines such as Desktop Underwriter, and the automated

approval generates a list of the documents needed to paper the loan file. An underwriter

can, at this stage, request additional supporting documentation evidence at their

discretion, as not all circumstances neatly fit into the prescribed underwriting box. I f thi

filter creates a loan file with accurate information, then secures the documentation

resulting from the automated underwriting findings, the loan will close uneventfully.

So, let's begin with the pre-approval call. Mortgage pre-approval is typically

accomplished with a telephone interview. A prospective borrower calls a mortgage rep

(filter), and the questions begin. There will be lots of questions as this critical phase of

the process is akin to the discovery period in a trial - you'll need to disclose everything.

Expect to answer queries on what you do for a living, how long you've been employed in

your current field, and what your salary is. If there is a co-borrower, they will have to

answer the same questions.

Every dollar in checking, savings, investments and retirement accounts, also known as

assets to close, as well as gifts from relatives and non-profit grants, has to be accounted

for. Essentially everything appearing on a borrower's asset-radar-screen has to be

documented and explained.

I f you were previously a homeowner and sold your home in a short sale, or if you own a

home now and plan to keep i t as an investment or rental property, there are new and

specific underwriting guidelines created just for you. In these cases, full disclosure of

your credit and homeownership past can potentially eliminate unforeseen mortgage

approval woes. For instance, FannieMae has a new underwriting guideline called "Buyand-

Bail," for current homeowners' planning on keeping their existing home as an

investment/rental property. Properties not meeting the 30% equity test for "Buy-and-

Bail" result in additional asset requirements to purchase a new home. Buyers with a

short sale history may have to wait two to three years before they are eligible for

mortgage financing again. Full vetting of your previous mortgage life will save you the

dreaded we-have-a-problem call from your mortgage lender.

It all comes down to your proof. If the lender asks for a specific document, give them

exactly what they are asking for, not what "should be OK," - because i t won't be. This is

where the approval process tends to go off the rails, when the lender asks for specific

documentation and the borrower supplies something else. Here, too, is where both side;

get frustrated. So if the lender asks for a bank statement and there are 5 pages for that

bank statement, send them all 5 pages, and not just the summary. If you send them the

summary page and they ask again, don't complain that the lender keeps asking for the

same thing when you never sent it in the first place. This may sound elementary, but the

vast majority of mortgage approval process woes stem from scenarios just like this.

The reason the mortgage approval process is now so rigorous is simple. Avoiding

defaults and loan buybacks has become the primary goal of mortgage lenders. Higher

standards are reducing loan defaults, which should mean fewer foreclosures in the

future. Government data shows that less than 2% of loans originated in 2009, that were

resold to Freddie Mac and Fannie Mae went into default after 18 months, down from

more than 22% default rates for 2007 loans.

So when your lender requests specific documents from you, give it to them just "because

they said so."

You can thank my dad for that.

This article is available online at: http://onforb.es/A2ljAO 2014 Forbes.com LLC ™ All Rights Reserve




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Chautauqua County Visitors Bureau                                            E-NEWS    July 2014 what's  happening Great Blue Heron Music Festival, Sherman - July 4-6, 2014 Wreck & Roll, Dunkirk - July 5, 2014 Children in the Stream: A Fly Fishing Conference, Portland - July 7-10, 2014 Victorian Tea at the Hotel Lenhart, Bemus Point - July 10, 2014 Crafts Alliance Show, Chautauqua Institution - July 11-13, 2014 Antique Boat Show, Bemus Point - July 12, 2014 Century House and Garden Tour, Chautauqua Institution, July 15, 2014 Scandinavian Folk Festival, Gerry - July 18-20, 2014 Mid-Summer Gallery Tour, Chautauqua Lake Erie Art Trail - July 18-20, 2014 Fredonia History Days - July 18-19, 2014 Summerfest, Southern Tier Brewing Company, Lakewood - July 19, 2014 Westfield Antique Show - July 19-20, 2014 Chautauqua Lake Water Ski Show, Bemus Point - July 20, 2014 Chautauqua County Fair, Dunkirk - July 21 - 27, 2014 Buffalo Bill Cody Family Reunion, Jamestown - July 24 - 27, 2014 YWCA Westfield Arts & Crafts Festival -July 25-26, 2014 Night Lights at the Heron, Sherman - July 25-26, 2014 Gerry Rodeo, July 30 - August 2, 2014 Lucille Ball Festival of Comedy, Jamestown - August 6-10, 2014 America's Grape Country Wine Festival, Dunkirk, August 9-10, 2014 See a full calendar of events throughout Chautauqua County. ongoing events Chautauqua Institution 2014 season - June 21 - August 24, 2014 Lily Dale Assembly 2014 season - June 27 - September 1, 2014                                    Bemus Bay Pops Concert Series - June 28 - August 31, 2014 Jamestown Jammers Baseball Kayaking tours on Chautauqua Lake and Lake Erie Music on the Pier, Dunkirk, Thursdays through August 28 Big City Summer Concert Series, Jamestown Savings Bank Arena, Fridays, 6:30 pm Tour Jamestown: Walking through History, Saturdays, 12:45 - 2:45 pm farmers markets Lakewood - 140 Chautauqua Avenue, Tuesdays, 2 - 6 pm. Jamestown - Cherry Street between 2nd and 3rd Streets, Thursdays, 12 - 6 pm. Fredonia - Church Street at Village Hall, Saturdays, 8 am - 1 pm. Westfield - Moore Park, NYS Routes 20 and 394, Saturdays, 9 am - 2 pm.  Cross Roads Market - Cty Rd 21 between Westfield and Sherman, Saturdays, 9 am - 5 pm.  Sherman - Main Street, Saturdays, 10 am - 2 pm. vacation planning Request an "I Love New York" 2014 Chautauqua County Visitors Guide.   Independence Day Celebrations Celebrate July 4th from Dunkirk to Jamestown with parties on the beach, in the park, and on the street. Start the day at 7 am at the Lakewood Family YMCA registering for the 2014 Firecracker Run. The 10k Race starts at 9 am followed by a Kids Race at 9:30 am. Later, head to Chautauqua Avenue for street sales, live music and food vendors starting at 2 pm with fireworks at 10 pm. Lakeside Park in Mayville will be endpoint for the annual 10 am parade with activities, food and live music until the flares create a ring of fire around Chautauqua Lake and the fireworks light up the sky at 10 pm. Dunkirk's Memorial Park is the central location for the city's Fourth of July Celebration with food vendors, and fireworks over the Harbor at dusk. The weekend celebration continues at City Pier, Saturday, July 5th with Wreck & Roll featuring multiple rock & roll bands and a variety of chicken wings. Take part in the annual "Build Your Own Boat Race", ride the mechanical bull, watch the hose races, or get an autograph from a local sports star. In Findley Lake, the daylong celebration offers chicken BBQ, a duck race, boat parade, live music starting at 7 pm, flares at 9:30 pm and fireworks at 10 pm. The giant floating stage in Bemus Point hosts performances all weekend long. On Friday, the Dina Preston Band takes stage 8:00 pm followed by fireworks over the lake. Hotel California, an Eagles tribute band, plays Saturday at 8:00 pm, and Saxophonist Vince Ingala presents smooth jazz on Sunday at 2:30 pm. All performances can be seen and heard from the water and lakeshore. Reserved tickets are available immediately in front of the stage.    23rd Annual Great Blue Heron Music Festival July 4-6, 2014 One of the largest music festivals in western New York, the Great Blue Heron Festival runs July 4-6 on 300 acres in the Amish countryside near Sherman. Hear an eclectic mix of national and regional acts performing Roots, Rock, Zydeco, Blues and Old-time Bluegrass while enjoying food vendors, an all-night dance tent, kids and teen programs, camping, swimming, and a café in the woods. An Antique Boat Show July 12, 2014 View over 50 classic wood and fiber boats on display in Bemus Point at the 17th Annual Chautauqua Lake Antique & Classic Boat Show, Saturday, July 12th from 9 am - 5 pm. Hosted by the Chautauqua Lake Twin Tier Chapter of the Antique and Classic Boat Society, the show also features a ships store, vendor area, class judging and displays on land. All boats can be seen at the Village Casino docks. What Would You Like to Learn Today? For 140 years, summer in Chautauqua County has been associated with lifelong and vacation learning during the Chautauqua Institution's nine week program season. In addition to morning lectures and hundreds of Special Studies classes offered by Chautauqua Institution, several venues around Chautauqua County offer vacation learning experiences all year long. Nurture your outdoor spirit with a fly fishing conference, vineyard and wildflower walks, or paddling adventures. Spend an evening in the garden tasting fresh vegetables. Take a class in the comedic arts including Stand Up and Improv. Learn to play the Congo or draw Lucy during the 2014 Lucille Ball Festival of Comedy. For more ideas, visit www.tourchautauqua.com/learn.aspx.    Lucy Fest 2014 August 6-10, 2014 The 2014 Lucille Ball Festival of Comedy is bigger and better than ever with performances by Jay Leno, Tom Cotter, Caroline Rhea, Lucie Arnaz, and a whole host of up and coming comedians.  The annual festival returns August 6-10 and features over 50 events in five days throughout Ball's hometown. Featured performances include a Stand-Up Showcase with Caroline Rhea (Aug. 7; Free for veterans), comedian Tom Cotter (America's Got Talent finalist (Aug. 8)), a Free kids comedy show with Nels Ross (Aug. 9), a special cocktail reception with Lucie Arnaz (Aug. 9), and a night of comedy with the legendary Jay Leno (Aug. 9; Sold Out). Limited tickets to many events are still available and may be purchased by visiting www.lucycomedyfest.com or calling (716)484-0800. The Lucille Ball Comedy Festival is hosted by the Lucy Desi Museum & Center for Comedy.           tourchautauqua.com Chautauqua County Visitors Bureau  P. O. Box 1441  Chautauqua NY 147122  866.908.4569

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Chautauqua Institution Kicks Off Summer Season

                    

Nine weeks of summer fun begins at Chautauqua

Chautauqua's summer season kicks off this weekend, and the summer is jam packed with events.

From symphonies and quartets, to lectures and discussions, summer 2014 at Chautauqua Institution has a little bit of something for everyone.

The nine week season kicks off tomorrow night with an ABBA tribute band and continues next week with guests including Roger Rosenblatt and Tom Brokaw.

"There's a lifetime learning element. They don't sit on the beach with their feet up. They wanna learn things, they wanna apply things. So it's a very engaged community," says George Murphy from Chautauqua on visitors to Chautauqua.

A wide range of events gives summer visitors to Chautauqua the chance to experience what makes Chautaqua, and it's guests, so unique.

"It's like a learning experience all the way around, and a growth experience all the time," says full time resident Shirley Dort.

"When you come here to the plaza and you see kids throwing frisbee sand the dogs are running it's like you live in a small town," says summer resident Harriet Norden.

Guests will eventually be able to experience that small town feeling in a renovated ampitheater. A capital campaign plans to raise $98.3 million for the Institution, including updating the more than 100-year-old structure.

This summer also includes the debut of a new restaurant in the historic Athaneum Hotel.

Heirloom Restaurant strays from the hotel's traditional buffet meals and offers the chance for guests to gather for a casual dinner before events.

"It's an a la carte dining experience I feel like unlike anything in this area. We have chefs that have trained in New York City, some that have come from around the world," says Travis Bensink, executive chef of Heirloom.

Heirloom Restaurant has more than 300 reservations for their opening night.

There will be more than 2,000 public events at Chautauqua this summer, giving everyone plenty to do.

For a complete list of events, schedules and ticket information, check out www.ciweb.org.

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Sherman welcomes back 5th Annual Great Rhythym Revival August 1-3

June 12, 2014

Westfield Republican / Mayville Sentinel News

Save | Post a comment |            

SHERMAN - Sherman welcomes back the 5th annual Great Rhythm Revival on August 1-3, 2014. The event is directed by Jim Donovan who is an award winning educator and founding member of the multi-platinum selling band Rusted Root
The event takes place on the site of the popular Great Blue Heron Music Festival 2361 Wait Corners Rd. Panama, NY 14767 and is being co-hosted by Julie and Steve Rockcastle of the Great Blue Heron and Green Heron Growers.
"The Great Rhythm Revival " is a three day retreat where Donovan and a host of world-class musicians, teachers will lead participants in a series of musical and personal development workshops including; Drum and Chant Meditation, African Djembe Drum and Dance, Hatha Yoga, Shamanic Journey, Sacred Intimacy, Transformative Writing, All-percussion, Energy Medicine, Women's Sacred Circles, Intro to Men's Work, Afro-Cuban Drumming, Sound Healing, and Kundalini Yoga.
In the evenings, participants enjoy two nights of live music with Donovan's popular percussive based band The Sun King Warriors from Pittsburgh, PA and the Spiral Rhythms Ecstatic Dance Experience from Cleveland, OH.
The event is 18 and over unless accompanied by a parent. All workshops are beginner friendly and assume you have no musical experience. Drums are provided for the drumming workshops. This event is rain or shine and free camping is available.
Delicious and healthy meals will prepared by onsite chefs. The majority of the food for the Revival is local, GMO free, organically grown and raised onsite by Green Heron Growers in Sherman, NY.
Participants can choose from three ways to attend the Great Rhythm Revival.
1. Full weekend pass which includes all workshops and concerts for the entire event. $199
2. One Day Pass which includes all workshops and concerts for the day chosen $89 per day
3. Saturday evening concert, drum circle and "Night Lights at the Heron" experience. $15 at the gate after 7:00 PM. The Saturday night concert event is all ages.
Event details at a glance:
Dates: Fri-Sun. August 1, 2, 3, 2014
Venue: The Heron 2361 Wait Corners Rd. Panama, NY 14767
Registration: www.greatrhythmrevival.com/registration.htm
Schedule: www.greatrhythmrevival.com/schedule
Workshop Descriptions: www.greatrhythmrevival.com/workshops.htm

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Peek'n Peak's new aerial park offers zip-lines, challenges and thrills, no snow required

Findley Lake, New York – Hit the slopes this summer – but leave the skis behind – for a downhill adventure with no snow required.
Peek'n Peak Resort in western New York last month debuted an Aerial Adventure Course – with zip-lines, rope bridges, cargo nets and more.
The up-in-the-air playground features eight separate courses – rated by degree of difficulty using a system similar to ski slopes, from easy to double-black diamond. Visitors buy a three-hour pass and can challenge themselves as much (or as little) as they like.
"The purple courses are the easiest – they introduce you to the whole experience," said Nick Scott Jr., vice president of Scott Enterprises, the Erie, Pa.-company that bought the resort in 2011. "As you become more confident, you move up the ladder. And they get more challenging as you go along."
The park – similar to one that rival resort Holiday Valley in nearby Ellicottville added in 2011 – is part of a widespread effort by ski resorts to extend their appeal into the warm-weather months.
Peek'n Peak's aerial park is located among the trees between Finsbury Field and Nottingham Notch slopes; the nearby Sugar Shack serves as the ticketing and training area.
And coming next month: a Mountain Zipline that will extend down the entire side of the hill. Riders will take a chairlift to the top, then strap in for a 2,000-foot-long flight to the bottom. The zip-line will be split in two – riders will transfer to a second line about halfway down – because the slope is too steep for a single line, according to Scott.
Once they've reached the final tower, riders will have the choice of jumping into a giant airbag, rappelling to the ground or trying another, steeper line called a descending zip.
"Adding this aerial course and the zip-line will really help establish ourselves as a four-season resort," said Scott.
The price for the aerial park is $44 for a three-hour pass for ages 12 and up; the Mountain Zipline is another $29 (or do them both for $65). Pricing is reduced for 11 and under, though children must be at least 5 years old and 50 pounds to participate.
Other warm-weather options at Peek'n Peak include Segway tours, a bungy trampoline, mini-golf, two 18-hole golf courses, indoor and outdoor pools, and more. For more information: pknpk.com






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National Flood Insurance Program Effective May 1

Washington Report

April 30, 2014

Effective May 1, 2014, all buyers of older properties (“pre-FIRM”) will see a premium rate reduction under the Homeowner Flood Insurance Affordability Act of 2014.
Instead of jumping to “full cost” for flood insurance, buyers will assume the seller’s Oct-2013 rate for a pre-FIRM property.
NAR prevailed upon FEMA to implement this provision seven months early.  FEMA also extended the rate relief so all pre-FIRM properties (including the second homes and businesses) will begin paying Oct-2013 rates when they purchase or renew their flood insurance after May 1, including:

• ALL buyers of a pre-FIRM property, not just those whose seller has an existing policy;
• ALL recent owners who apply for a new flood insurance policy on a pre-FIRM property;
• ALL recent owners who reinstate an old pre-FIRM policy that previously lapsed for any reason;
• ALL recent owners who renew a policy on a pre-FIRM property bought or newly insured after the 2012 Biggert-Waters law.

While expediting the rate relief, FEMA must still issue refunds to all those who paid more than their Oct-2013 rate.
NAR will continue working with FEMA and Congress to quickly issue these refunds to anyone overcharged for flood insurance under Biggert-Waters

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Enter Today to Win the Experience Chautauqua Package

By Tammy Terwelp

A lecture at the Chautauqua Institution

Credit Chautauqua Institution

Beginning today at 8am through Saturday, May 17, 2014 at 1 pm everyone who donates at wesa.fm/donate will automatically be entered to win the Experience Chautauqua package.
From the Chautauqua Institute website: "Chautauqua Institution is a community on the shores of Chautauqua Lake in southwestern New York state that comes alive each summer with a unique mix of fine and performing arts, lectures, interfaith worship and programs, and recreational activities. Over the course of nine weeks, more than 100,000 visitors will stay at Chautauqua and participate in programs, classes and community events for all ages—all within the beautiful setting of a historic lakeside village."
Two winners will each receive an overnight stay at Athenaeum hotel on the grounds of the Chautauqua Institute in Western NY, meals and all site fees. Winners will be drawn on May 30. Value $550 each.
Check out our archive of Chautauqua lectures in our Global Learning section and good luck!

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