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Iowa Mortgage

What to Expect When Buying a Home in Iowa

Maybe you’re buying your first home in Iowa, or perhaps you’re relocating to Iowa from another state. Either way, it’s important that you educate yourself on Iowa home loans before shopping

for a home and mortgage. This article explains what you’ll need to know before buying a home in Iowa:

The median home value in the state of Iowa is $82,500. Current interest rates in Iowa are above the national average, and job growth rates are below the national average.

In the state of Iowa, purchase transactions on sub-prime loans are subject to a $30,000 minimum. Additionally, if you live in Iowa and file bankruptcy, you do not necessarily have to forfeit your home. If you have been current on your payments and continue to be, state law does not require you to surrender your home.

If you’re buying a home in southern Iowa, you qualify for state FHA loans through the Southern Iowa Home Ownership Program. First-time home buyers qualify for loans with below-market interest rates and down payment assistance. Borrowers must meet certain income requirements and specific guidelines, and must purchase a home in a southern Iowa county: Appanoose, Davis, Jefferson, Keokuk, Lucas, Mahaska, Monroe, Van Buren Wapello, or Wayne.

These loans are revolving, so there are only a specific number that can be given out at any period of time. When a person with a FHA loan through this program sells their home or refinances it, then their loan is made available to another qualified applicant.

About the Author

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about on the mortgage lending process. http://www.mortgage-lenders-plus.com/

Playing the Iowa Lottery

Though the odds are not necessarily in your favor, there is always a possibility that you can hit the jackpot with Iowa Powerball. Even though your odds are not great, you still have just as much of a chance at winning per ticket than anyone else. The Iowa Powerball lottery game involves choosing six different numbers. Five of these numbers must range from one to fifty-five, and the sixth number, the Powerball number, must fall between one and forty-two.

The rules of the game are simple. If you get all six Iowa Power Ball numbers correct, you win the jackpot. This is a really big deal, considering that it has been more than six hundred million dollars in the past! Jackpots can get so large because Power ball lottery game tickets are sold in twenty-seven different states, making it the largest multi-state lottery in the country. The Iowa Powerball lottery jackpot builds from one drawing to the next, and if there is no winner of a drawing, the jackpot amount rolls over. This means that a single winner could win more money from the Iowa Power Ball lottery than he or she could ever imagine.

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Is Coffee Healthy?

Considering all the past concern about possible health risks from drinking coffee, newer reports of coffee’s possible protective effects may leave many people confused.

Overall, recent studies suggest that coffee (regular and decaffeinated) may offer a variety of health benefits against diseases such as cancer and diabetes. However, coffee may not deserve a place in the same category with other healthful foods like vegetables, fruits and whole grains.

Laboratory studies suggest that the anti-inflammatory, antioxidant compounds in coffee could help reduce risk of cancer. Coffee also has a tendency to speed the passage of waste through the digestive tract. Potentially, this may lessen the time that cancer-causing compounds spend in contact with the intestinal tract, which could reduce the risk of colon cancer. Population studies, however, tend to split between coffee intake having no effect on or reducing risk of breast and colon cancer.

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Iowa Payroll Law and Practice

he Iowa State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:

Department of Revenue Income Tax Division Hoover State Office Bldg. P.O. Box 10457 Des Moines, IA 50306-0457 (515) 281-3114 (800) 367-3388 (in state) www.state.ia.us/tax

Iowa requires that you use Iowa form “IA W-4, Centralized Employee Registry Reporting Form/Employee Withholding Allowance Certificate” instead of a Federal W-4 Form for Iowa State Income Tax Withholding.

Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Iowa cafeteria plans are not taxable for income tax calculation; taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.

In Iowa supplemental wages are taxed at a 6% flat rate.

State W-2s are not applicable in the state of Iowa.

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Romantic Destinations in Iowa

When you first think of romance, Iowa might not come to mind. In truth, romantic destinations in Iowa are excellent and show you a beautiful hidden side of this underappreciated state.

Romantic Destinations in Iowa

The Hawkeye State, Iowa, holds much more beauty than a lot of travelers give it credit for. There are ten different travel areas for tourists to explore when they come to this state, from the Northwest area (where you can follow the path of historic explorers Louis and Clark) to the Southeast area that boasts of containing the world’s “crookedest” street. Lovers will also find much to do here, such as solitary hiking and just holing up in a room and enjoying each other’s company – romantic destinations in Iowa are enjoyable for everyone!

Romantic Destinations

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Hypnosis for quitting smoking

Smoking is hazardous to health. We all know it. However, there are many people who start smoking even after knowing that it is not good for health. It is very easy to start smoking. Anybody from a chain smoker to one who smokes occasionally or just a few cigarettes every day will tell you this. When it comes to quitting smoking, one has to be extra careful and work upon the will power.

Smoking is so widespread and common that some people find it hard to believe that there are actually treatment centers for those who want to give up this vice, just like there are centers for alcohol rehabilitation for alcoholics.

A person can stop smoking for some days. However, the urge of having a fag is so strong that it is very difficult stay away from it. Here, you tend to get back to square one even after you decide to quit smoking.

Hypnosis is a process that has made a great impact on smoking. Most people who have tried it, agree that hypnosis can help quitting smoking.

When quitting smoking, one faces mood swings, lethargy and intense craving that are hard to resist. Hence, when you want to quit smoking, you need to take help of a hypnotherapist. A hypnotherapist will help you come out of the blues you experience when quitting smoking.

If you are a chain smoker or smoke occasionally, you can take help of a hypnotherapist to quite smoking. Here, you are able to get into a state of dream where you get a feeling of relaxation from head to toe. When undergoing a hypnotherapy, a person easily responds to suggestions. A hypnotherapy uses several positive suggest that may help a patient to curb his cravings for cigaretters. The reason is that on tends to get relaxed after hypnosis and feels less stress. When you tend to be free of stress, you don’t crave for cigarettes.

There are many people who don’t agree that hypnosis can help quit smoking. They think that during the period of the treatment, the patient is easily able to control his urge to smoke however, the moment the treatment is over, the urge to smoke arises again. However, this has not affected the popularity of hypnotherapy as a solution to quit smoking. You would find many hypnotherapists practicing hypnotherapy for quitting smoking. Iowa and Indiana have maximum number of hypnotherapy clinics.

The most important thing to take care of is that your will power to stay away from the cigarettes need to be combined with hypnotherapy. In short, hypnosis for quitting smoking will only help you if you want to quit smoking.

Hypnosis is not a new concept. It is a state of mind where you tend to take suggestions and advice easily. You are ready to respond to whatever treatment is give to you.

Many people have claimed that hypnosis has worked for them. Hypnotists use several methods to help their clients quit smoking. One of the most popular methods is where they may tell a person to relate smoking cigarettes with an extremely bad smell. They also associate the thoughts of smoking with a positive anti smoking message.

If you want an instant fix to your problem, hypnosis may not help but the therapy can help you cultivate a strong desire to succeed.

About the Author

frank j vanderlugt owns and operates http://www.youwillquit.com You Will Quit

Weird Drinking Laws

The United States has its fair share of weird laws (what is up with having to pay taxes?), but there are few laws that achieve the level of oddness that certain American drinking laws attain. Underage folks may find the “21 and over” rule to be weird. People wanting to buy beer seven days a week may find the fact that liquor stores are closed on Sundays in many states to be strange. There is a wealth of addiction treatment information available online for all types of addictions, from cocaine to nicotine. Those who like to stroll around a park with an uncorked bottle of wine may find it bizarre that open containers of alcohol aren’t allowed in many areas. But, the oddness that the above laws emit is nothing compared to the peculiarities of those below:

Don’t use the “R” word: According to the Bureau of Alcohol, Tobacco, and Firearms (BAFT), the word “refreshing” can’t be utilized when describing alcohol beverages. That forces us, the alcohol consumers, to describe beer as brisk, gin as invigorating, and wine as reviving. That’s right BAFT, we have a thesaurus.

Drinking Laws

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50 Fabulous Places to Retire in America

Retirement has its joys and pains, but if you’re ready and equipped for it, retirement should be your chance to do what you’ve always wanted to do and live in a town you’ve always wanted to be in. It you’re getting ready to retire, here is a list of the 50 most fabulous places to retire in America in no particular order:

1 to 8. Alabama has not one, not two but eight fabulous places to retire in America – Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan and Decatur offer the best of ‘Bama.

9 to 10. California is fabulous in many ways, thanks to lots of sun, beaches and plenty of things to do; all these things and more that you can do in San Diego and Paso Robles.

11 to 13. When people think of retirement, Florida is never far from their mind. So if you want to find a fabulous place for retirement, go Gainesville, Tallahassee or Sarasota.

14 to 17. Washington has Spokane, Lexington and Walla Walla, three fabulous places to retire in. Spokane is a large city for retirees but it sure offers plenty in terms of affordability. Lexington is gaining popularity and Walla Walla was voted one of the best places for retirees in 2006, so there’s your cue. Don’t forget Bellingham, a nature lover’s dream place.

18. Portsmouth in New Hampshire has the honor of being one of the 10 places in America that’s considered safest, so consider retiring here.

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Iowa RV Facilities

In many ways, Iowa is the state where you can step back and experience a more traditional America. You can soak in the atmosphere at any of these Iowa RV facilities.

Iowa RV Facilities

A trip to Iowa can bring many unexpected pleasures. The great outdoors are found in abundance here, with activities ranging from hiking and skiing to fishing and bike trails galore. If you enjoy spending time in the woods, or just seeing nature’s beauty, you will find it all here in Iowa. Easily reachable from much of the Midwest, Iowa is a perfect place to take your recreational vehicle for a family trip. Hop on one of the historic routes and byways designated by the state, and find the area you want to visit.


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History of Iowa

Iowa was originally home to at least 17 Native American tries, although today only the Meskwaki remain.

The first Europeans to reach Iowa were the French explorers, Louis Joliet and Jacques Marquette in 1673. They recorded in their journals that the land was lush, green and fertile.

The United States gained control of the area from France in the 1803 Louisiana Purchase. The first official American settlement began in 1833, and statehood was achieved in 1846.

During the American Civil War (1861 to 1865), Iowa contributed greatly to the Union war effort, including more 60% of its eligible males serving (the highest proportion of any state).

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Worst Tornados Resulting in Massive Damage

April 11, 1965 is still remembered by many: that day a brutal string of tornados hit the states of Iowa, Indiana, and Michigan with wind gusts as high as 318 miles per hour, killing 250 people and injuring some 1500 others. The first funnel cloud hit the ground at 1 p.m. with others following at varying intervals, up to 5:30 pm. The storms intensified as they day progressed. An F4 storm hit Koontz Lake, Indiana and 2 other twisters hit Wakarusa, and Goshen, doing massive damage to homes, and local infrastructure.

More storms continued to develop over the course of that same day. The worst of the tornados, an F5 storm with winds reaching speeds of up to 318 miles per hour landed at Elkhart Indiana and destroyed the Sunnyside subdivision killing over 30 people. One of the funnel clouds was a colossal eight hundred yards wide, leaving a trail of devastation in its path. Telephone and electrical lines where knocked out by the high winds. The phone system was down and, as a result, local city officials where unable to warn others in the path of the storm of the severe danger. The day progressed and tornados hit many other counties. The damage from all these rapidly occurring storms was devastating.

The impact that these storms had on the area was huge. The U.S. weather bureau conducted a full investigation after the storm and established the need for better methods to communicate warnings to residents and officials in other areas of approaching storms. It was just a little while after this that the Weather Service started to put out announcements indicating that tornados where likely to form and where they were traveling once they had hit the ground.

Iowa Tornados

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Relax At Iowa Vacation Rental

Iowa is the 29th state of the USA, which is surrounded by two great rivers that are Mississippi and Missouri. It is also known for its rich agriculture production of corn and soybean. It’s a great city that offers an excitement, adventure and rich history. Cuisine, land farms, museums etc are some of the elements which attracts travelers from all over the world. Iowa embraces of all those activities which makes, Iowa a perfect place for holidaying. And, a perfect place for relaxation while holidaying in Iowa is Iowa vacation rental.

Vacation rental in Iowa is regarded as home in the holidaying town. It provides all the amenities present in a home such as washer, dyer, refrigerator etc. It also embraces of fully furnished kitchen, in which the vacationer can cook for his family and friends.

Iowa vacation rental can be in the form of condo, cottage, villa, homes and cabins. While choosing the vacation rental in Iowa, the factors which are needed to be considered are number of people (that will stay in rental while holidaying) and budget. Vacation rental in Iowa suits to every pocket. In other words, each of the vacation rentals carries different rent, so he the person can choose as per his budget. They are regarded as an affordable means of lodging as it involves reasonable cost. It can be used for weddings, spending vacations, honeymoons, family reunions etc.

On staying in the vacation rental, vacationer has to pay for the services and amenities present in rental. Staying at vacation rental is a cheap mode as it involves low rent as compared to the rent involved in hotels. Thus, he can save an amount which he can utilize for other purposes while holidaying.

In present scenario majority of the traveling agencies arrange vacation rental at the desired destination. Through internet, locating traveling agency is easier as the person is only needed to write vacation rental on any of the search engine. Thus as a result, numerous agencies arranging vacation rental will be displayed on the screen. In addition to traveling agencies, the person can also book his vacation rental directly through owners of the vacation rental.

Nowadays, it is also seen that many traveling agencies provide a package, in which the person is obliged to making a single payment which includes all the expenses such as accommodation, air tickets etc. By this means, he can save large sum of money which can be utilized while enjoying other activities at Iowa.

About the Author

Sylvestor Johnson is offering loan and rental advice for quite some time. He is working as financial consultant for ThinkRentals. To find Iowa vacation rental, Apartment rentals, Cabin rentals, Condo rentals, Rental homes, Vacation rentals, Beach house vacation rentals at cheap rates that best suits your needs visit http://www.thinkrentals.com

Getting out of Iowa for New Years

What are you doing for New Years? If you want to do some traveling, you should considering visiting the Philippines… especially after reading the oh so delicious Ox Tail recipe. It’s not that crazy compared to other street food in the Philippines. If you do go, you should visit Baguio in the Philippines. It’s a prime vacation spot. Or you could just say “F that noise!” and head up the Minnesota… NinjaStyle. No matter what you do, have fun this New Years!

Iowa Themed Gift Basket Ideas

The holidays are always around the cornergift baskets just in case you’re running late!

As you travel through Iowa you will begin to see the meaning behind the terms, “Corn State” or “Hawkeye State” as the state has been phrased. Bordered by Minnesota, Nebraska, South Dakota, Wisconsin, and Missouri, the state of Iowa has produced some celebrities to make not of. Former present of the United States Herber Hoover called Iowa his home. The state also is birthplace of the jazz musician and swing bandleader Glenn Miller. Anyone who loves cowboy movies would be thrilled to find out that John Wayne is also a native to the state. There are many historic events that Iowa has claim to. It’s also here that the Lewis and Clark expedition has been connected to.

Gift Basket Ideas

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Iowa is the Central Cornbelt State

Though not an extremely large state, at 56,000 square miles, Iowa is first in corn and soybean production and also is first in hog production. It is a flat state located between the great North American rivers, the Mississippi on the east, and the Missouri River on the west. The Iowa caucuses are an early political event in the quest for the presidency. That alone may give you an idea for your Iowa Incorporation. After all, billions of dollars go to political consultants each election year and the huge media impact of this event is well known.

Iowa is a strongly agricultural state, and also has historically and still to some extent presently, the production of farm implements, washing machines, refrigerators and processed foods. Its industrial outputs are food processing, machinery, electric equipment, chemical products, nd primary metals. Iowa produces the nation’s largest amount of ethanol for gasoline. Des Moines also serves as a center for the insurance industry.

Central Cornbelt State

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Discount Health Insurance In Iowa

It’s no secret that health insurance can cost an arm and a leg. For many people health insurance is so expensive that they are simply forced to go without it at all.

Obviously if you are offered health insurance at work or if you can obtain health insurance at group rates through some organization that you belong to, then you should probably look into such coverage since group insurance rates are almost always lower than individual rates – plus a group insurance may accept pre-exiting conditions more readily than an individual policy will.

For more and more people, especially those working out of their homes, group insurance rates simply aren’t an option. Fortunate there are still a few things you can do to keep your rates on the low side.

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Cedar Rapids Iowa

Cedar Rapids is a city in Linn County, Iowa. Cedar Rapids, which had a population of 120,758 as of the 2000 census, is currently the second most populous city in the state of Iowa, after Des Moines. Cedar Rapids is part of a combined urban area with Iowa City, which lies just to the South. The area was a whole is generally referred to, by locals, as the “Corridor”, and the combined population of the Cedar Rapids/Iowa City corridor is 360,326.

Here is some more information about the area:

- Some of the major companies headquartered in Cedar Rapids include McLeodUSA and Rockwell Collins.

- The main airport serving Cedar Rapids is The Eastern Iowa Airport.

- The main professional sports team in Cedar Rapids is the baseball team, the Cedar Rapids Kernels.

- Cedar Rapids is only one of a handful of cities in the world with its municipal buildings located on island in the river. In the case of Cedar Rapids, city hall and the county courthouse are located on Mays Island, an island in the middle of the Cedar River.

Cedar Rapids Iowa

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Where to Get Cheap Dubuque Auto Insurance

Iowa has some of the lowest auto insurance rates in the United States, which is good news for Dubuque residents looking for car insurance. Even so, insurance costs can vary widely from one insurance company to another and you want to make sure you’re getting the cheapest rate possible. To save on your auto insurance, follow these tips:

Drop Extra Coverages You Don’t Need

You may be paying for insurance coverage you never or rarely need, such as towing and rental coverage. Consider dropping these extra coverages to lower your insurance rate.

Depending on the age of your auto, you may also want to drop your comprehensive and collision coverage. Most insurance companies recommend dropping these coverages if your auto is more than five years old.

Get All the Discounts You Qualify For

Insurance companies offer a variety of discounts that will lower your auto insurance rate. Ask your insurer if you qualify for any of these discounts:
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The Red Oak – An Overview

The red oak is also called the northern red oak and although has been widely cultivated in Germany and Australia, it is native to North America. If you are considering using this tree, here is an overview.

The northern red oak is a variety of oak that is native to North America. The tree grows very rapidly and favors acidic soil. Its native range is from Northeastern United States and Southeastern Canada although it is found as far south as Georgia in the United States. In the forests, the tree grows to heights of from 115 feet to 141 feet. Trees grown in the open tend to be a bit shorter, but often have thicker trunks.

The main characteristic of the red oak is its bark which has ridges topped with what appear to be almost shiny strips. Other varieties of oak have similar bark ridges and strips, but they normally occur only on the upper portion of the trees. The ridges on the red oak go all the way to the bottom and are one of the quickest ways to identify the tree. The branches tend to grow at right angles from the stems which produce a rounded narrow head.

oak and fruit

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Cheap Homeowners Insurance Online In Iowa

It would be easy to tell you to just jump online, find one of the many sites that allow you to make comparisons of the prices of homeowner’s insurance policies from a variety of different insurance companies and be done with it.

Unfortunately doing that will not necessarily get you the cheapest homeowner’s insurance that you can find online in Iowa.

The good news is, the steps you need to take before getting online to look for your cheap homeowner’s policy are all relatively easy to take.

Let’s start with smoking. If you smoke you are going to pay more for your homeowner’s insurance. It’s that simple. You need to stop smoking if you want to get the best possible rates. If you already have a homeowner’s insurance policy and you were a smoker at the time you took out the policy but you have since quit, you need to let your agent know as you will be in line for a rather nice reduction in your monthly premiums.
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