Blogger seems to be having problems with allowing posts. This is a test to see if we can still post. It's a Gnome that I whipped out during breakfast at the diner this morning. It's 3 1/2" tall including the hat.
Wood Carving discussions on techniques, projects, beginner, basic, general and advanced skill levels
Very nice did you paint it at the diner also!!!!!
ReplyDeleteNaw! Done at home! They already think I'm nuts.
ReplyDeleteGreat job Tom , The knife thats in the picture it says carver on it ,who makes it? The gnome is it
ReplyDelete1x1x3??
Hal in Seattle
I like this guy.. I'd love to be able to do a bunch of these. Can you put more detail in a post on how tall? Where you start ect?
ReplyDeleteI think it would be fun to carve a bunch and then just leave them at peoples houses , not saying a word about them.
Marcia.
Too many borrowers may be unfairly blaming credit scores for their higher-than-expected loan rates or extra credit-card fees, according to a recent working paper.
ReplyDeleteThe real culprit may be your own misunderstanding of how the lending process works, coupled with a failure to conduct adequate research before you apply, suggests the MIT Department of Economics working paper.
The paper, written by a team of Federal Reserve and university researchers led by Sumit Agarwal of the Federal Reserve Bank of Chicago, admits a FICO credit score may determine if you're offered a loan. But other factors may contribute more heavily to your rate and fees.
More From MarketWatch.com:
Take a home-equity loan or home-equity credit line: The greatest impact on your annual percentage rate is based on the "loan-to-value ratio," the report said. That's the percentage of the home's appraised value that you're actually borrowing.
Lenders often issue tiered annual percentage rates, based on loan-to-value ratios of 80% or less, 80% to 90% and 90% or more. So if you're shopping lenders, expect any rate you're quoted to be based on your home's loan-to-value ratio.
Too often, the paper indicates, potential borrowers misestimate their home value and find themselves asking lenders the rates for the wrong loan-to-value category. Meanwhile, once you apply for a loan at the higher rate you're quoted, loan officers often have discretion to give it to you -- despite the fact that they typically have access to appraisal information that could place you in the correct loan-to-value ratio category at a lower rate.
Read more in my blog