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<strong><center><a href="http://www.vitobachelitoism.us/l/lt28YOIOKB1842TXKLV138KSNF/299AW741RMATCM1394QB10NFK20460282NSXMK1161835806"><H3>Save Thousands on Your Mortgage with the Home Affordable Refinance Program.</a></H3></strong>
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<td align="center"><a href="http://www.vitobachelitoism.us/l/lt28GDUIWV1842ULRHE138HMEH/299HS741JBUVRW1394JY10JWR20460282IJCON1161835806" target="_blank" style="text-decoration:none;"><img src="http://www.vitobachelitoism.us/im/AYMV1842T138XPC/299FY741Q1394JGADQ10DAO20460282UYY1161835806/img013829967.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0px; padding:0px; font:bold 24px arial; color:#b4211e; text-align:center;" alt="Save on Your Mortgage" title="Save on Your Mortgage"></a></td>
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<td align="center" bgcolor="#01215a" style="font:normal 19px arial; color:#FFFFFF; padding: 5px; margin: 0 5px;">GIVING HOMEOWNERS A BETTER OPPORTUNITY TO SAVE!</td>
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<td height="60%" align="left" valign="top" style="font:normal 14px arial; color:#808080; padding-left:10px; padding-right:10px; padding-top: 20px; line-height: 1.3">The HARP refinance program was designed by the government to save homeowners thousands on their mortgage. Recently, the president has announced the decision to extend HARP into 2015 allowing more homeowners to realize their savings potential. Thanks to these new government programs mortgage rates are now hovering at an all-time low and homeowners are acting fast by taking advantage of their opportunity to refinance.
<a href="http://www.vitobachelitoism.us/l/lt28VJXOTK1842SIASK138MQGN/299GI741SGCEOE1394JH10IKW20460282FLVCW1161835806" target="_blank" style="text-decoration:none;"><img src="http://www.vitobachelitoism.us/im/VSQG1842L138CIH/299MX741X1394SLHEG10PIM20460282EMW1161835806/img113829967.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0px; padding:10px 0; font:bold 24px arial; color:#b4211e; text-align:center;" alt="See if You Qualify" title="See if You Qualify"></a>
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<td width="40%" align="right" valign="top" style="padding-top: 20px;"><a href="http://www.vitobachelitoism.us/l/lt28MUJJDU1842HFSDA138LMLN/299UU741CSVXGF1394CO10UMC20460282YYBNW1161835806" target="_blank" style="text-decoration:none;"><img src="http://www.vitobachelitoism.us/im/KYAH1842G138HCM/299HO741B1394UEVSH10ROH20460282ATJ1161835806/img213829967.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0px; padding:0px;" alt="Obama Announces HARP 2.0" title="Obama Announces HARP 2.0"></a></td>
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<td colspan="2" style="font-size: 14px; font-weight: bold; font-family: arial, helvetica, sans-serif; color:#01215a; padding: 10px; line-height: 1.3; border-top: 3px solid #fff;">
<a href="http://www.vitobachelitoism.us/l/lt28PQXTRW1842UGVHF138XOOH/299RB741QIEOOA1394HV10TXF20460282WTOMK1161835806" target="_blank" style="text-decoration:underline;">LEARN MORE</a> ABOUT THE HOME AFFORDABLE REFINANCE PROGRAM & HOW YOU CAN PAY OFF YOUR HOME IN HALF THE TIME.</td>
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<p style="font-size:xx-small;">BIG RAPIDS, Mich. Police have arrested a man at Ferris State
University in the shooting of a student at an off-campus apartment complex
near the western Michigan school.The university is in Big Rapids, about
50 miles north of Grand Rapids. Officials canceled classes, basketball games
and other sporting events after the shooting, which occurred at 4:15 a.m.
Saturday at the Venlo Place apartments.Ferris State spokeswoman Sandy Gholston
said Sunday that police arrested the man late Saturday at Finch Court
apartments on campus. She isn't identifying him or saying if he's a
student. She says charges are expected by Tuesday.Gholston says police also
are questioning a woman.The victim was transferred to a Grand Rapids hospital.
His wounds aren't believed to be life-threatening. His name wasn't released.
A New Jersey mother says her fifth grade sons school has repeatedly
taken her childs lunch and thrown it away over unpaid cafeteria balances
-- despite having apologized for doing as much in the past.This to
me is a form of bullying," Amy Ross told NBC 10 after
the latest incident, earlier in January, involving her 10-year-old son,
Jake, who has a form of autism called Aspergers Syndrome, and officials
at Smithville Elementary School in Galloway Township, N.J. Its between the
parents and the cafeteria. Its not between the child and the lunch
lady. Let the kids eat their lunch."Rosss questioning of the school comes
the same week the Salt Lake School District in Utah made headlines
for doing the same thing.The Salt Lake Tribune reports Uintah Elementary
School officials in Salt Lake City replaced about 32 elementary school students'
$2 lunches with fruit and milk on Tuesday because of insufficient or
negative balances.The Tribune cites a school district spokesman as later
explaining cafeteria workers could not tell who was behind on their lunch
accounts until after a child was given their food.Once a child showed
a negative balance, the already-issued lunch was reportedly confiscated
and thrown away for sanitary reasons."I think its despicable," Erica Lukes,
whose 11-year-old daughter saw her lunch replaced, told the paper. "These
are young children that shouldnt be punished or humiliated for something
the parents obviously need to clear
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