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But the products and programs are better than ever. So start looking around. Freddie Mac says the year fixed rate may rise to 5. Divide it by 12 to get your monthly income, then figure 42 percent of that. Unless you have a huge down payment, it may be the only way you can buy a home today. You also need a decent FICO score— at the least. A score above will typically get you a lower interest rate. As for the down payment, 3. Better to put down at least 10 percent. In Atlantic City, new construction is under way in anticipation of a rebound, and a hoped-for resurgence in the job market.
Though the casino industry continues to trudge rather than sprint back to prosperity, bright spots on the employment scene include the coming NextGen Aviation Research Center and planned off-shore wind farms, both of which promise good-paying technical jobs.
Phase III of the Atlantic City Outlets, now under construction, will employ hundreds and bring more pedestrian traffic than ever to Ducktown. Ducktown will be the home front. The Atlantic County freeholder-at-large is expanding his Formica Bros.
Bakery in anticipation of a boom. It could even include Ninth Street merchants like the DiBruno Brothers, whose artisan cheeses and other ethnic cuisines have made them famous far beyond South Philly. That kind of revival, he hopes, will prove contagious. Everybody knows what to do. We have to clean up the streets and make this whole city more attractive.
The company is now on the brink of Phase II; several of those homes have been pre-sold. Is the South Jersey housing market rebounding?
The housing market is stabilizing.
It has three components of demand—second homes, retirees and workforce. The first two will come back slowly, mostly based on confidence in the national or regional economy. Most sellers at this point have to get out of the area or out of their current mortgages.
Most buyers can wait or rent, giving them more bargaining power. And with the large inventory, this will remain the case at least into the latter part of The ideal scenario would be: Revel completed, Hard Rock under construction and financed, and the market continuing to recover, so Ks start growing and interest rates stay relatively low.
Is the uptick in the Dow a sign of hope for recession-weary Americans?
USAIGC | State Championships
The Dow is as much a psychological measure as a real one. But most Americans will pay attention to the job market for real assurance of a recovery.
That will separate the national recovery from the local one. Local unemployment is far above the national rate Atlantic County is at 14 percent, the U. S, at 10 percent, and Cape May and Cumberland counties near Atlantic. Those rates will come down even more slowly than the national rate.
But the real test will be in the fall. We need a sign of good employment news—somewhere—to break the logjam. Is this a good time for first-time homebuyers?
Rates are very low and prices are near the bottom. Will home values that plummeted in South Jersey start to appreciate? A few issues will determine where the housing market goes in the next six months. One is the price of energy. Oil prices may spike when investors feel a global recovery is imminent. The second is taxes and property taxes; the overall cost of ownership is rising as property taxes increase.
This is possible, as the international economy is very fragile and the oil markets are very unstable. Are home buyers looking at Atlantic City? The retirees and second-home buyers will return, because South Jersey is where they want to be. The shore, quality of life and the still relatively lower housing costs will attract them from the North Jersey, New York and Philly areas. And the Baby Boomers will have their way eventually, as they always have. While property taxes will deter some and send them to states south of New Jersey, I suspect that life-long plans to retire near the shore will prevail.
Our buyers are loyal and always have been. Thursdays, June August, 9 a. Daily, July-October, 10 a. Daily, March-September, 8 a. Farmers Market at Smithville Rt. Fridays, June-September, 11 a. Wednesdays, June-August, 8 a. Stone Harbor Farmers Market 2nd Ave. Tuesdays, June-September, 3 p. Woodstown Farmers Market Rt. Fridays, May-October, 9 a. Daily, April-October, 8 a. Daily, May-October, 9 a. Obama will add to the assortment with kohlrabi, bok choy, figs and pumpkins.
The White House garden is part of a growing phenomenon. With food prices high and household budgets still lean, many Americans are turning to home gardens, community gardens, and even mini- and micro-farms, which can include hens and goats for fresh eggs and cheese. Last year, seed companies like W. Atlee Burpee reported a remarkable 30 percent increase in sales.
The benefits go beyond dollars and cents or even fresh strawberries on your cereal. Apartment balconies and rooftops can become lush retreats, filled to overflowing with fresh-grown food and colorful flowers. All you need is a little know-how, a little patience, and a little help from Mother Nature. In the process, she found a new passion and a whole new career. For a well-stocked kitchen, Leishear plans snap peas, lettuce, cucumbers and herbs as well as that Jersey essential, the summer beefsteak tomato.
For architectural interest, use arbors, trellises and elegant spiral supports instead of cages for vine-based climbing vegetables like tomatoes, peas, squash and melons. A great garden starts with the right foundation: Here are a few tips to get you growing: Novice gardeners sometimes assume a plant will grow anywhere, but depleted soil can include unwelcome insect larvae and other debris.
Most soil in New Jersey is acidic, making it extraordinarily hospitable to blueberries and cranberries, acid-loving shrubs like azaleas and rhododendrons, perennials like phlox, heather, and hydrangea, and annuals including vinca and pansies. Ever wonder about the three numbers on the fertilizer bag? The first refers to nitrogen content which feeds the leafy part of the plantthe second to phosphorus the flower or fruit and the third to potassium the roots.
Ask your gardening expert which brand is best for you. Doug Adams, as they embark on a yearlong Duty, Honor, America Tour to recognize and commemorate the sacrifice and selfless service of American Soldiers and their Families, past and present.
In addition, they will help explore with other organizations and individuals methods to provide support. With the Class of graduated and a new class about to begin, Lewis offered advice to both the new officers leaving and the cadets arriving next month. I now realize we are all leaders and our most important job is to bring out the absolute best in those around us, especially ourselves, Lewis said.
I am convinced the Class of is far better prepared and talented than we were.
They need to be. The only other advice to cadets I would give is to recommend they keep a copy of the Cadet Prayer handy to review periodically and as a compass for dealing with adversity and any tough days ahead of them. I ve found it very inspiring and validating. My dad, Don Fowler, was a member of the Class of and presented me with a legacy gift upon my graduation inDon Fowler II said. Dad was assigned to West Point and was the Associate Dean of Academics and presented me with a medallion in our back yard near Lusk Reservoir.
I have always carried it with me through every deployment. Fowler said one side of the medallion has the Class Crest of with his name below the crest and the back has one hand passing a saber to another. Fowler s brother, Chris, also received the legacy medallion at his Class of graduation.
Mike Colacicco, Class ofsaid he received a cigarette case from his father s Classbut his class has not given gifts to descendents to the best of his knowledge. There were 75 members of the Class of who had one or both parents graduate from West Point. Those with grandparents or relatives further back were not necessarily tracked. Descendants children and grandchildren of the Classes of, and gift presentations are covered here.
Fowler s classmate, physics professor Dr. The bookends have the new graduate s name and date and the other side has the name of her father. Hassin is the class first daughtergraduate. Dean of the Academic Board Brig. Patrick Finnegan and Superintendent Lt. The Class of began giving gifts in Retired Brig.
Chris Arney, the head of the Mathematical Sciences Department, started the tradition and the class Firstie Kendall Poling sees her name engraved on an officer's saber she's admiring with her sister Taylor leftmother Sally and father Gregory after the Graduation Parade May The saber is a graduation gift from the Class of of which her maternal grandfather, Stewart "Bud" Vockel, Jr.
Bookends serve as the supporting base for books books already written and books to be written. My classmate, Lee Ross is a pilot and aerial photographer and has been providing the gift aerial photographs of West Point to descendents for nearly a decade, Johnston said. The award was accepted by his parents Joseph and Maureen Rangitsch.
Did being the daughter of two West Pointers have any bearing on Elizabeth s decision to attend the academy?
I don t think my parents influenced me going to West Point, Connors said. I just went to all the football games. Then againmy brother Kevin will be a plebe next year. Linda Mastin, Chief of Web and Print Publications in the Directorate of Public Affairs and Communications and honorary member of her father s classpresented graduate Kendall Poling an engraved officer s saber in a case from all of her grandfathers in the Class of Poling s maternal grandfather was Stewart Bud Vockel, Jr.
This is West Point s th graduating class and the 31st to graduate women. This award reflects overall excellence in cadet performance academic, military and physical. Above Tactical officers and noncommissioned officers congratulate a Class of U.
Military Academy cadet after receiving his diploma during the graduation ceremony in Michie Stadium. He said he ll then return to New York ust over a thousand hats took flight May 22 when he is assigned to Fort Drum. Elizabeth Betterbed entered West Class of and the transformation of Point with two clear objectives: After team and graduate.
However, she s leaving with the hats were tossed and with diplomas in hand, the a whole lot more.
Betterbed, a Fox Island, Wash. The Engineering Corps officer is also a For 2nd Lt. James Henshaw, the feeling of Rhodes Scholar recipient, a member of a team euphoria following the ceremony was overwhelming. Of the four years at West Point, they re the ones who got me this far, Henshaw Betterbed said these final weeks have been the said, who will be going to Fort Sill, Okla.
From Day One, you have someone This is as good as it gets. We just finished who can help you make a bed properly to today, up our capstone project and got to test it on when my roommate and I helped clear out our room a Soldier from Walter Reed; I m graduating together.
I mean, that s the It s that network of support and camaraderie greatest thing, Betterbed said. Of course last Henshaw said he ll miss the most leaving West year, our soccer team going to Patriot League Point.
But after a mind-numbing week of exams, it s President Barack Obama delivered the graduation address May 22 at Championships was a pretty cool and unique the relentless studying and homework he s happy to Michie Stadium. He is the 11th U. Betterbed, a four-year letter winner and Second Lt. Anthony Nash, a field artillery officer, who was a Class of graduate. He looks forward to a starter on the women s soccer team, led the Black is the first in his Family to enter military service.
I didn t come from a military Family, however, but I might enjoy the local festivals and eat some of those famous chicken I made some good friends, had some great mentors and as well be.
My mom is very patriotic and acted as my first drill wings. I will spend most of my break hanging with my Family day, Betterbed, a two-time Academic All-American, said. Nash said he first became interested in West Point after and friends, Nash said.
J This year s graduating class has exceptional graduates who have made service to the United States their priority and thereby gained significant control over key aspects of their careers. These officers secured either the branch of their choice, their initial permanent duty station of choice, or the guaranteed option to further their education by attending a fully-funded, full-time graduate degree program at an institution of their choosing.
Betterbed said she wants to do some world traveling this summer with her sister, Claire Class ofand will be picking out housing in England before starting school at Oxford. Joining her overseas is 2nd Lt. Rosenberg of New York. Rosenberg earned the highest cumulative academic quality point average and was named the Class of Valedictorian. Military Academy Superintendent, recapped the narrative of the Class of as one of unprecedented achievements.
They re ready to assume the mantle of leadership, to transition from cadet to officer and with this, to accept the incredible responsibility that goes with leading American Soldiers. You ve surpassed all of my expectations, Hagenbeck added. As a class and as individuals, you ve distinguished yourselves in all pursuits. Academically, you ve won more Rhodes, Marshal, Truman, Rotary, National Science Foundation scholarships than any class of recent memory.
On the fields of friendly strife, just this year alone you ve lead teams that have won six national club titles, seven Patriot League championships and you ve won doing it the right way. President Barack Obama applauded the Class of and their Families for their patriotism and for committing themselves to serving the nation. During his graduation address, the commander-inchief said he could empathize with the hardships these cadets endured during their initial, or plebe, year.
You have pushed yourself through the agony of Beast Barracks; the weeks of training in rain and mud; and, I am told, more inspections and drills than perhaps any class before you, Obama said.
Along the way, I m sure you faced moments when you asked yourself: What am I doing here? I have those moments sometimes. Obama noted the diversity among the class with 14 foreign cadets representing such countries as Iraq, Nicaragua, Rwanda and Thailand.
This is the first time in academy history when your two top awards have been earned by female cadets, Obama said. This underscores a fact I have seen in the faces of our troops from Baghdad to Bagram in the 21st century, our women in uniform play an indispensable role in our national defense.
Time and again, they have proven themselves to be role models for our daughters and sons as students, Soldiers and as leaders in the United States Army. The faces in this stadium show a simple truth: America s Army represents the full breadth of the American experience, he said. You come from every corner of our country from privilege and poverty; cities and small towns.
You worship all of the great religions that enrich the life of our people. You include the vast diversity of race and ethnicity that is fundamental to our nation s strength. Cadets from the Class of take the oath of office as newlycommissioned second lieutenants, as administered by Brig.
June 12, by San Clemente Times - Issuu
Rapp, Commandant of Cadets. Further notices will be forthcoming as to the summer worship schedule and any other cancellations to be determined. Enjoy watching the cantonment staff in 18th century dress and performing a ceremony to honor our nation s veterans at the cemetery site.
For more information, call New Info Memorial Day wreath laying ceremony The garrison commander will conduct a wreath laying ceremony at noon Monday at Trophy Point s Battle Monument in honor of our nation s fallen comrades.
The ceremony will include a gun salute. The community is invited to attend. New Info Shuttle Bus service for Finnegan s retirement ceremony A shuttle bus service will be provided from 8 a. Patrick Finnegan s retirement ceremony. People attending this event are encouraged to park in K-Lot and use shuttle service to and from Eisenhower Hall.
The emergency room will remain open. Tobacco Cessation Program Do you want to stop using tobacco? Due to the maintenence, the office will open at noon. Beat the summer rush and get your child s school and sports physical now.
If you are moving this summer, it is recommended that you schedule the physical at your next duty station as the criteria for the new school district may be different.
A physical exam must be within one What s Happening For more information, call Maj. The Post Chapel basement will be open to allow you to give away or take useful goods from Wednesday, June 16, July 7 and July All items leftover or not swapped by Thursday nights in the chapel basement starting June 3.
For more information, contact Robin Meyer at or her at rr. June 5 and 10 a. The following playground calendar year to be acceptable. If the physical expires prior to the beginning of another sport, a new exam is required. This is also the time to review your child s immunizations and to prepare additional documentation for the administration of medications during school hours or emergency instructions for children with known allergies.
Obtain the necessary forms from the appropriate school nurse and bring them to your child s appointment.
Call or to request an appointment for a school or sports physical and save the summer for vacation fun. The card also contains important information about emergency and out of area care. All playground times are 9: Please bring water and sun block for the children. For more information, contact Teki Snel at or her to earthlink. Volunteer positions include music, games, Bible story, crafts, crew and assistant crew leaders.
Boys ages are welcome to participate. Early registration is suggested. For more information, call ext. It is an intense training environment for ages at the regular camps and for ages at the Kids Camp. Register online at com. For more information or to inquire about a brochure, call or or usma. Aug Girls must be ages to participate. Fine tune your game with West Point basketball coaches and increase your positional IQ. This survey is part of a performance assessment program and the community s participation is very important.
Take a moment to complete the survey, place it in the postage paid envelope by June 30, drop it in the mail and come to BBC Management office at Bartlett Loop to fill out a prize entry form. If you win, your name will still be eligible for further weekly drawings. Get the form in early and have more chances to win. Every Friday at 3 p. The mission also reaffirms their own identities as professionals committed to serving the nation as well as to hone their moral and ethical decision-making skills in the relative safety of a classroom.
Civilians are also encouraged to volunteer as they bring continuity and consistency to the program and can offer a wealth of experience in a variety of topics. Cadets receive approximately 72 hours of professional military ethic education, including honor and respect education, through a combination of facilitator-led, small group discussions and dynamic guest speakers who support and reinforce the program s goals and objectives.
These 72 hours begin during Cadet Basic Training and end at the completion of a cadet s Cow year. A typical term during the academic year includes fully resourced SCPME lessons, which occur on 10 designated days during Commandant s Hours from For more information or to volunteer, call Maj.
Deadline for team entries is today. League play starts the week of June 7 and continues through Aug. Games are played Monday-Thursday at 5: The fifth installment of Army Community Service s Out and About series will visit battle grounds, museums and historical homes in the Hudson Valley and beyond. Join the group at 3 p. No phone calls will be taken for registration. Parents need to report to the CDC registration at 8 a.
Patrons can sign up children after Tuesday for slots on a space available basis. Volunteer a few hours of your time to help escort the veterans to and from the ceremony. Transportation is provided and will leave Buffalo Soldier Pavilion at 1 p. For more information, call Sgt. For more information and to register, call or edu. Membership Appreciation Night All club members are invited to enjoy a free buffet and dessert bar from p.
Enjoy music, dancing and a cash bar. Patrons who sign up for membership on this night can eat for free too. There is a nominal fee for non-members who want to attend this event. The program is free of charge. All participants must have a valid military or CAC card for entry into the facility. A limited number of spaces are available. The Scion Battle of the Builds competition is a military design challenge giving participants the opportunity to construct their ideal Scion xb.
Entires must be received by June Starting June 11, cards will be available for purchase at Delafield Pond. Punch cards are valid for use at Round Pond and Delafield swim areas. Each punch card is good for 12 visits. Daily swim passes are available at a minimal cost for cadets, children ages and adults. Children under age 14 must pass an administered swim test to be allowed in the deep area of both ponds. Children ages 13 and below must be accompanied by an adult.
Round Pond Beach hours of operation: Delafield Pond Hours of Operation: Open for the season June 11, regular hours are: There will be games, prizes, hot dogs, popcorn and cotton candy. This event will be held in the ACS common area in Bldg Refreshments and on-site childcare will be provided. The next group meeting is from 5: Dinner and special activities will be provided for the entire Family. Group meetings take place at Youth Services, Bldg For more information, call New Info Family Child care Training The Family Child care program will be offering training for individuals interested in providing child care services from the comfort of their homes.
A minimal fee will be changed for the four classes. Register by June 4 at the Youth Center Bldg. To qualify, you must have participated in the West Point 10K. Most work is completed in about three weeks. The Craft Shop is conveniently located in Bldg. Dates are available in June, July and August. For more information, call New Info West Point Volunteers If you were unable to attend the West Point Volunteer Recognition Ceremony and haven t received your certificate of appreciation from your organization, stop by the Army Volunteer Corps coordinator s office to pick up your certificate.
If you haven t already registered, now is the time to do so. This is an Army-mandated system and West Point volunteers are required to use the system in order to be considered registered. Only registered volunteers are eligible for awards and recognition through the Army Volunteer Corps, including Black and Gold Awards and an invitation to next year s Volunteer Recognition Ceremony.
The Army Family Action Plan is your avenue for results. If you have a suggestion for how the Army can improve quality of life at West Point, we want to hear about it. There are many opportunities for you to get involved. For more information, please visit www. Bartelt Managing Editor Lindsey Adao spent her cadet career diving into everything headfirst with zeal and moxie that led her to being an ambitious cadet and one of the greatest divers in the history of the Army swimming and diving program.
Now, Adao takes all her lessons learned at West Point and dives into her professional career as a signal corps officer after graduating from the U. Military Academy May Graduation was a day of reflection and celebration while emotions overflowed as Adao was recognized as the female Army Athletic Association Trophy winner and got a chance to briefly speak with President Barack Obama as he gave Adao her diploma.
Her experience meeting the president lasted about 15 seconds, but it felt like more of a blur to Adao when reflecting on the moment. I was on stage and as I was getting closer to the podium, I was getting more excited, Adao said about meeting the president. It felt like I blacked out to where I didn t really remember much from the time I was next in the holding line to the time I saluted the president. I didn t hear my name called, it just kind of happened, she added.
It was very thrilling and a huge rush to get to be on stage with the president, shake his hand and talk to him a little. While Adao s experience of receiving her diploma and meeting the president was a bit hazy, her career on the diving board was exceptionally memorable in the annals of Army diving. Adao, who didn t start diving until her junior year of high school, finished her collegiate career with two Patriot League Diver of the Year and awards when she finished in first place at the league championships in the 1-meter and 3-meter springboard dives in consecutive years.
During her dual meet career, Adao finished with a record in the 1-meter dive and record in the 3-meter dive. Adao s success earned her the coveted AAA Trophy that is given to one male and one female athlete in the graduating class. She is the fourth member of the swimming and diving program to earn the award and first diver to win it, so it was a special moment for Adao to get recognized as the best female athlete in the Class of The last person on the swim team who won it was Chelsea Haviland inso to be put on the same level as her in some respect is truly an honor, Adao said.