<?xml version="1.0" encoding="UTF-8" ?>
<?xml-stylesheet type="text/xsl" href="http://www.dreamschange.com/utility/FeedStylesheets/rss.xsl" media="screen"?><rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:wfw="http://wellformedweb.org/CommentAPI/"><channel><title>Garland-Sachse-Rowlett Texas Real Estate</title><link>http://www.dreamschange.com/blogs/default.aspx</link><description>Dream Girl to the Rescue.</description><dc:language>en-US</dc:language><generator>CommunityServer 2.1 SP1 (Debug Build: 61019.2)</generator><item><title>Master Builder, Jim Anderson, speaks on green building and retrofits </title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2008/02/22/master-builder-jim-anderson-speaks-on-green-building-and-retrofits.aspx</link><pubDate>Sat, 23 Feb 2008 01:34:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:259329</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>0</slash:comments><description>&lt;div&gt;&lt;span class="468372201-23022008"&gt;Dear Green Building Enthusiasts,&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;p&gt;On Tuesday,&amp;nbsp;&lt;span class="093281001-23022008"&gt;February 26th&lt;/span&gt;, Master Builder Jim Sargent speaks to the&amp;nbsp;Sierra Club&amp;nbsp;&lt;span class="093281001-23022008"&gt;in Colleyville &lt;/span&gt;on Green Building and Home Renovation. Sargent, who pioneered green building in Texas and beyond, started building homes in the 1970&amp;rsquo;s when our country was facing its first energy crisis. That crisis sparked a lifelong commitment in Jim to study and build energy efficient homes. His&amp;nbsp;&lt;span class="093281001-23022008"&gt;c&lt;/span&gt;ompany, Anderson-Sargent, built the first Net-Zero Energy Home (meaning the home actually produces as much energy as it consumes) in North Texas in 2004, and he will continue those &amp;quot;firsts&amp;quot; by building the first eco-villages in North Texas in 2008.&lt;/p&gt;&lt;p&gt;Jim Sargent was chosen in 2006 by the U.S. Department of Energy as the National Builder of the Year for his energy-efficient homes, and by the National Association of Homebuilders as the builder of the &amp;quot;Best Green Concept House in America.&amp;quot; Sargent is the first builder in the nation to receive the Master Builder designation for building energy efficient homes from the Energy &amp;amp; Environmental Building Association (EEBA).&lt;/p&gt;&lt;p&gt;&lt;span class="093281001-23022008"&gt;&lt;font size="2"&gt;&lt;font size="3"&gt;Meet in the community room of Healthy Approach Market in Colleyville from 7 pm until approximately 8:15.&lt;/font&gt; &lt;p&gt;&lt;font size="3"&gt;Directions: Healthy Approach Market, 817 399-9100, 5100 State Hwy 121, Colleyville, 76034 is located on the west side of&amp;nbsp;&lt;span class="093281001-23022008"&gt;Hwy 121&lt;/span&gt;&amp;nbsp;between Hall-Johnson and Glade Roads. Exit Hall-Johnson and go south on the Hwy 121 access road. Turn right into the Healthy Approach parking lot immediately after passing the restaurants Rio Mambo and Mac&amp;#39;s&lt;span class="093281001-23022008"&gt;.&lt;/span&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="3"&gt;&lt;span class="093281001-23022008"&gt;You do not need to become a member to attend any Sierra Club meeting.&amp;nbsp;&amp;nbsp;Meetings are always open to all.&amp;nbsp;&lt;/span&gt;&lt;/font&gt;&lt;/p&gt;&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;&lt;div class="Section1"&gt;&lt;span style="color:red;font-family:'Edwardian Script ITC';"&gt;&amp;nbsp;&lt;/span&gt; Sincerely,&lt;/div&gt;&lt;div class="Section1"&gt;&lt;span style="font-size:18pt;color:red;font-family:'Script MT Bold';"&gt;Roxanne&lt;/span&gt;&lt;/div&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;Roxanne Seibert, AndersonSargent Sales Consultant&lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;American Dream Real Estate&lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;972-897-7002 phone&lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;972-278-8708 fax&lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="color:navy;font-family:Arial;"&gt;&lt;a href="http://www.dreamschange.com/" title="blocked::http://www.dreamschange.com/" target="_blank"&gt;&lt;span style="font-size:10pt;"&gt;www.DreamsChange.com&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt; &lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&lt;a title="blocked::BLOCKED SCRIPTparent.ComposeTo(&amp;#39;DreamGirl@DreamsChange.com&amp;#39;, &amp;#39;&amp;#39;);"&gt;DreamGirl@DreamsChange.com&lt;/a&gt; &lt;/span&gt;&lt;/h1&gt;&lt;h1 class="Section1" style="margin:0in 0in 0pt;"&gt;&lt;/h1&gt;&lt;div&gt;&lt;/div&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=259329" width="1" height="1"&gt;</description></item><item><title>NET ZERO ENERGY HOME-OPEN HOUSE</title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2008/02/14/net-zero-energy-home-open-house.aspx</link><pubDate>Thu, 14 Feb 2008 18:21:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:254880</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>0</slash:comments><description>&lt;div&gt;&lt;font face="Arial" size="2"&gt;&lt;h5 style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="background:lime;"&gt;&lt;font face="Comic Sans MS" size="5"&gt;Net Zero Energy Home&lt;/font&gt;&lt;/span&gt;&lt;/h5&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;AndersonSargent built the only Net Zero Energy Home in North Texas (produces as much energy as it uses).&lt;span&gt;&amp;nbsp; &lt;/span&gt;The home has solar power, a solar water heater, cisterns to collect rainwater for the xeriscape, and much, much more.&lt;span&gt;&amp;nbsp; &lt;/span&gt;The house is located at&lt;/span&gt;&lt;/p&gt;&lt;p align="center" class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;text-align:center;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;5357 Beacon Hill Dr.&lt;/span&gt;&lt;/p&gt;&lt;p align="center" class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;text-align:center;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;Frisco, Tx&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;If you are interested in seeing this extraordinary home, &lt;strong&gt;&lt;u&gt;please&amp;nbsp;&lt;/u&gt;&lt;/strong&gt;&lt;span class="937070818-14022008"&gt;&lt;strong&gt;&lt;u&gt;come this&lt;/u&gt;&amp;nbsp;&lt;u&gt;Saturday, Feb. 16th from 1-4pm&lt;/u&gt;&lt;/strong&gt;&lt;u&gt;.&lt;/u&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;span class="937070818-14022008"&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;AndersonSargent was chosen by the U.S. Department of Energy (DOE) as the 2006 National Builder of the Year for Energy Efficient Homes.&lt;span&gt;&amp;nbsp; &lt;/span&gt;Jim Sargent was chosen by the National Association of Home Builders (NAHB) as the builder of the &amp;ldquo;Best Green Concept Home in America.&amp;rdquo;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;span class="937070818-14022008"&gt;Directions:&amp;nbsp; Go North on Dallas North Tollway.&amp;nbsp; Left on Lebanon.&amp;nbsp; Travel west approximately 4 miles.&amp;nbsp; After you pass Teel, turn right on Beacon Hill.&amp;nbsp; On the left 1.5 blks.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;span class="937070818-14022008"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;span class="937070818-14022008"&gt;If you have not seen this home, I hope you will join me.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span style="font-size:14pt;font-family:'Comic Sans MS';"&gt;&lt;span class="937070818-14022008"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin:0in 72.45pt 0pt 71.25pt;"&gt;&lt;span class="937070818-14022008"&gt;&lt;font face="Comic Sans MS"&gt;&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;&lt;span class="937070818-14022008"&gt;&lt;font face="Comic Sans MS"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Sincerely,&lt;/font&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="937070818-14022008"&gt;&lt;/span&gt;&lt;span style="font-size:18pt;color:red;font-family:'Script MT Bold';"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Roxanne&lt;/span&gt;&lt;/div&gt;&lt;div class="Section1"&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Roxanne Seibert&lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&lt;span class="937070818-14022008"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Anderson Sargent Custom Homes&lt;/span&gt;&lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; American Dream Real Estate&lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 972-897-7002 phone&lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 972-278-8708 fax&lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;a href="http://www.dreamschange.com/" title="blocked::http://www.dreamschange.com/" target="_blank"&gt;&lt;span style="font-size:10pt;"&gt;www.DreamsChange.com&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt; &lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;span style="font-size:10pt;color:navy;font-family:Arial;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;a title="blocked::BLOCKED SCRIPTparent.ComposeTo(&amp;#39;DreamGirl@DreamsChange.com&amp;#39;, &amp;#39;&amp;#39;);"&gt;DreamGirl@DreamsChange.com&lt;/a&gt; &lt;/span&gt;&lt;/h1&gt;&lt;h1 style="margin:0in 0in 0pt;"&gt;&lt;/h1&gt;&lt;/div&gt;&lt;/font&gt;&lt;/div&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=254880" width="1" height="1"&gt;</description></item><item><title>Master Green Builder, Jim Anderson, speaks Tues., Sept 11 - You're invited</title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2007/09/04/master-green-builder-jim-anderson-speaks-tues-sept-11-you-re-invited.aspx</link><pubDate>Wed, 05 Sep 2007 03:15:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:184559</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>0</slash:comments><description>&lt;div&gt;&lt;font face="Arial" size="2"&gt;&lt;p&gt;On Tuesday, September 11, Master Builder Jim Sargent speaks to the Dallas Sierra Club on Green Building and Home Renovation. Sargent, who pioneered green building in Texas and beyond, started building homes in the 1970&amp;rsquo;s when our country was facing its first energy crisis. That crisis sparked a lifelong commitment in Jim to study and build energy efficient homes. His Company, Anderson-Sargent, built the first Net-Zero Energy Home (meaning the home actually produces as much energy as it consumes) in North Texas in 2004, and he will continue those &amp;quot;firsts&amp;quot; by building the first eco-villages in North Texas in 2008.&lt;/p&gt;&lt;p&gt;Jim Sargent was chosen in 2006 by the U.S. Department of Energy as the National Builder of the Year for his energy-efficient homes, and by the National Association of Homebuilders as the builder of the &amp;quot;Best Green Concept House in America.&amp;quot; Sargent is the first builder in the nation to receive the Master Builder designation for building energy efficient homes from the Energy &amp;amp; Environmental Building Association (EEBA).&lt;/p&gt;&lt;p class="gr12"&gt;Sierra Club general meeting location: Center for Spiritual Living in North Dallas&lt;/p&gt;&lt;p&gt;The Sierra Club meets at The Center for Spiritual Living, near the northwest corner of Inwood and Spring Valley in north Dallas (see map below). From the Tollway and Spring Valley Road, go&amp;nbsp;west past Inwood Road and the train tracks. Take the next right (north) on International Parkway (called Arborview on older&amp;nbsp;maps). When the road bends to the right, look for the entrance&amp;nbsp;way and Sierra Club signs. &lt;/p&gt;&lt;p&gt;The meeting starts at 7:00 PM. From 6:30 to 7:00 PM, you can wander among various issue booths to pick up information and talk with Sierra Club members and leaders. For more information contact &lt;a href="http://texas.sierraclub.org/dallas/email-confirm.asp?n=63B46A56921E24266C075667766&amp;amp;a=65B06E36B73975D35E86476506186B37046565F07256D45D26156757026022C76876B562&amp;amp;s=818" target="_blank"&gt;Ann Drumm&lt;/a&gt;, 214-350-6108. Want to get to know your fellow Sierrans? &lt;/p&gt;&lt;p&gt;Meetings are always open to everyone.&amp;nbsp; You do not need to be a member.&lt;/p&gt;&lt;p&gt;Join us at a nearby local restaurant after the meeting for food and fellowship.&amp;nbsp; The location and directions will be announced during the meeting.&lt;/p&gt;&lt;p&gt;&lt;img alt="map to Sierra Club General Meeting" border="2" height="386" src="http://texas.sierraclub.org/dallas/graphics/meeting-map.gif" width="500" /&gt;&lt;/p&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="437263901-05092007"&gt;&lt;font face="Arial" size="2"&gt;Hope you can come.&amp;nbsp; See you there.&amp;nbsp; You are welcome to go for pizza afterwards.&lt;/font&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="437263901-05092007"&gt;&lt;font face="Arial" size="2"&gt;&lt;/font&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="437263901-05092007"&gt;&lt;font face="Arial" size="2"&gt;Sincerely,&lt;/font&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="437263901-05092007"&gt;Roxanne&lt;/span&gt;&lt;/div&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=184559" width="1" height="1"&gt;</description><category domain="http://www.dreamschange.com/blogs/roxanne_seibert/archive/tags/Real+Estate/default.aspx">Real Estate</category><category domain="http://www.dreamschange.com/blogs/roxanne_seibert/archive/tags/Events/default.aspx">Events</category><category domain="http://www.dreamschange.com/blogs/roxanne_seibert/archive/tags/Buyer+Information/default.aspx">Buyer Information</category><category domain="http://www.dreamschange.com/blogs/roxanne_seibert/archive/tags/Community+Information/default.aspx">Community Information</category></item><item><title>Black Balloons - Making CO2 Real</title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2007/08/29/black-balloons-making-co2-real.aspx</link><pubDate>Thu, 30 Aug 2007 02:40:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:179745</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>0</slash:comments><description>&lt;p&gt;Hi!&lt;/p&gt;&lt;p&gt;I just received this via email and I thought I would share it with you.&amp;nbsp; It&amp;#39;s from the Alliance for Climate Protection.&amp;nbsp; This is a great resource for climate information.&lt;/p&gt;&lt;p&gt;&amp;nbsp; &lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0F:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" target="_blank"&gt;&lt;img alt="Alliance for Climate Protection" border="0" height="130" src="http://media.whatcounts.com/echoditto_climateprotect/acp_logo.gif" width="157" /&gt;&lt;/a&gt;&lt;img height="32" src="http://media.whatcounts.com/echoditto_climateprotect/colorbar.gif" width="591" /&gt;&lt;font size="4"&gt; &lt;/font&gt;&lt;/p&gt;&lt;div&gt;Dear Roxanne, &lt;/div&gt;&lt;div&gt;GIVE YOUR FRIENDS SOME BLACK BALLOONS&lt;br /&gt;&lt;br /&gt;Take 45 seconds and check out this video. &lt;/div&gt;&lt;div&gt;&lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0C:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" style="color:#c3c73e;" target="_blank"&gt;http://www.climateprotect.org/ah12&lt;/a&gt; &amp;nbsp;&amp;nbsp; &lt;/div&gt;&lt;div&gt;What&amp;#39;s invisible now has form. Global warming pollution becomes vivid, graspable, close to home. People watch this ad and say, &amp;quot;Oh now I get it.&amp;quot; Do your friends get it? Do your parents and neighbors? Send them this link so they too can understand the link between current energy use and the climate crisis. We think Larry King got it - he premiered the ad on his show last month. Can you tell whose voice it is?! &lt;/div&gt;&lt;div&gt;You can forward the Black Balloons ad while you&amp;#39;re on our website. &lt;/div&gt;&lt;div&gt;Click on &lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0C:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" style="color:#c3c73e;" target="_blank"&gt;www.climateprotect.org/ah12&lt;/a&gt; and then click on &amp;quot;Email this page to a friend.&amp;quot; &lt;/div&gt;&lt;div&gt;Or you can embed the Black Balloons ad into your personal blog or social networking page. Click on &lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0D:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" style="color:#c3c73e;" target="_blank"&gt;www.blip.tv/file/291933&lt;/a&gt; and click on &amp;quot;share&amp;quot;. &lt;/div&gt;&lt;div&gt;CURRENT TV ECOSPOT CONTEST DEADLINE APPROACHING&lt;br /&gt;&lt;br /&gt;Make your own ad. See it on the air. Win prizes. The Current TV Ecospot contest deadline is approaching. Entries must be uploaded by 12:01 PM PDT on September 12, 2007 or, if mailed, postmarked on September 12, 2007. Info about the competition is at Current TV &lt;/div&gt;&lt;div&gt;Click on &lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0E:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" style="color:#c3c73e;" target="_blank"&gt;Current TV&lt;/a&gt;. &lt;/div&gt;&lt;div&gt;&amp;#39;KISS MY FACE&amp;#39; LIP BALMS&lt;br /&gt;&lt;br /&gt;Kiss My Face has partnered with Whole Foods to bring you a new lip balm called Lip Action. $1 of every Lip Action, sold exclusively at Whole Foods&amp;#39; check-out counters nationwide, will be donated to the Alliance. Lip Action comes in Mango Melt, Glacial Mint, Berry Warm, Solar Citrus, Coconut Crisis, and Eco-Cocoa. It&amp;#39;s SPF 15, parabens and petroleum free, and has minimal packaging. Buy Lip Action and support the Alliance. &lt;/div&gt;&lt;div&gt;Have a great Labor Day Weekend. &lt;/div&gt;&lt;div&gt;Best, &lt;/div&gt;&lt;div&gt;Cathy Zoi&lt;br /&gt;CEO, Alliance for Climate Protection &lt;/div&gt;&lt;div&gt;P.S. Pass the message on to your friends and check out &lt;a href="http://whatcounts.com/t?r=1502&amp;amp;c=1003166&amp;amp;l=37893&amp;amp;ctl=190CD0F:C5D9F03EDB8A2DCB54C5790295CE0077FDF24EE4C9629B8B" style="color:#c3c73e;" target="_blank"&gt;climateprotect.org&lt;/a&gt; for more ways to make the difference in solving the climate crisis. &lt;/div&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=179745" width="1" height="1"&gt;</description><category domain="http://www.dreamschange.com/blogs/roxanne_seibert/archive/tags/Announcements/default.aspx">Announcements</category></item><item><title>Mortgage Insurance Deduction for 2007</title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2007/01/29/mortgage-insurance-deduction-for-2007.aspx</link><pubDate>Mon, 29 Jan 2007 21:05:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:24384</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>1</slash:comments><description>&lt;p&gt;For 2007 Mortgage Insurance can be used as an itemized deduction on your income taxes.&amp;nbsp; This was just passed by Congress.&amp;nbsp; It only applies to new loans taken out in 2007.&amp;nbsp; This also includes the VA funding fee.&amp;nbsp; For more information, please sign up for my newsletter (and possibly win some movie tickets!) at &lt;a href="http://www.dreamschange.com/"&gt;www.DreamsChange.com&lt;/a&gt;. &lt;/p&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=24384" width="1" height="1"&gt;</description></item><item><title>FHA Wants Its Market Share Back</title><link>http://www.dreamschange.com/blogs/roxanne_seibert/archive/2007/01/29/fha-wants-its-market-share-back.aspx</link><pubDate>Mon, 29 Jan 2007 20:30:00 GMT</pubDate><guid isPermaLink="false">d645333c-89d8-4176-96d0-962cb8775602:24381</guid><dc:creator>Roxanne Seibert</dc:creator><slash:comments>0</slash:comments><description>&lt;p&gt;Since the turn of the millenium, FHA has been losing its market share to conventional loans.&amp;nbsp; Why?&amp;nbsp; FHA used to be the easiest way to qualify for a home loan, but that is no longer true.&amp;nbsp; In the olden days, conventional loans required a minimum down payment of 5-10%.&amp;nbsp; Now buyers can finance a conventional loan with no money down.&amp;nbsp; In fact, buyers can receive 100-103% financing through conventional loans with appropriate credit, income, and debt ratios.&lt;/p&gt;&lt;p&gt;FHA requires a 3% investment for home loans.&amp;nbsp; The down payment must be 2.25-3% of the sales price.&amp;nbsp; &lt;/p&gt;&lt;p&gt;FHA began worrying two years ago.&amp;nbsp; Now they are reviewing &amp;amp; revising.&amp;nbsp; At the beginning of 2006, FHA reduced the buyer non-allowables from approximately $900 to $100.&amp;nbsp; What are buyer non-allowables?&amp;nbsp; They are expenses FHA did not allow the borrower to pay, but made the seller pay.&amp;nbsp;&amp;nbsp;Thus,&amp;nbsp;it became more advantageous for the seller to accept an offer using a conventional loan over an FHA loan.&amp;nbsp; &lt;/p&gt;&lt;p&gt;Still worried, at the beginning of 2006, FHA also dropped many of the property conditions it&amp;nbsp;previously enforced.&amp;nbsp; Since conventional loans were not concerned about these property conditions, FHA has dropped most of them.&lt;/p&gt;&lt;p&gt;Now FHA has realized that the most important thing they can do to recoup its market is PROVIDE 100% FINANCING.&amp;nbsp; This has not happened yet, but I expect it to change sometime this year.&lt;/p&gt;&lt;p&gt;Be watching!&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;img src="http://www.dreamschange.com/aggbug.aspx?PostID=24381" width="1" height="1"&gt;</description></item></channel></rss>
