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Subscribe to the blog of Bosco Building LLC in Minneapolis, Minnesota and get the latest news about the construction industry. We’ll also give you tips and tricks such as how to stay afloat as a military homebuyer.

Advantages for Military Homebuyers

Posted on Saturday, March 26, 2016, 12:07 PM

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The VA Loan has many advantages that make it one of the most appealing paths to homeownership — and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.

Banking Deserts

Posted on Saturday, March 26, 2016, 11:41 AM

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Banking Deserts, Branch Closings, and Soft Information

Nearly 5,000 bank branches have closed their doors since the financial crisis. That has given rise to a concern that more low-income and minority neighborhoods lack access to mainstream financial services. Our bloggers’ analysis yields mixed results, but suggests that the impact of these closures merits further study.

Donald Morgan, Maxim Pinkovsky, and Bryan Yang

New Way to Keep Our Family Safe

Posted on Thursday, September 17, 2015, 2:59 PM

Hi

I’m back with a new way to keep our family safe…

Terms and Conditions NMLS

Posted on Thursday, March 27, 2014, 1:06 PM

Terms and Conditions

(1) The State Regulatory Registry LLC (“SRR”;) collects, compiles, organizes, indexes, digitally converts and maintains regulatory information from registered and licensed persons, registered firms, government agencies and other sources and maintains information in the proprietary NMLS system. SRR releases such information through NMLS Consumer Access, which provides information from the NMLS system to the public. Your access to NMLS Consumer Access information provided through SRR's NMLS database and the system does not transfer any rights in NMLS, NMLS Consumer Access or related technologies to you.

(2) Your use of NMLS Consumer Access information is conditioned upon your acceptance, without modification, of all terms and conditions of this Agreement. Any information accessed, requested or provided through NMLS Consumer Access must be accessed, requested and used in accordance with the terms and conditions specified in this Agreement. SRR reserves any rights not expressly granted under these terms and conditions. Additionally, SRR reserves the right, at its sole discretion, to modify the terms and conditions for use of NMLS Consumer Access information at any time by changing this Agreement, and any changes are effective immediately. Such changes will be posted on the NMLS Consumer Access Web site.

(3) The data and information in the NMLS are the property of the respective governmental agencies furnishing the data and information to the NMLS. Accordingly, the use of the data and information provided by NMLS Consumer Access may be further restricted by the laws of the applicable state(s). You agree that it is your responsibility to be aware of, understand, and comply with any and all applicable laws and regulations governing the use of NMLS Consumer Access and of any data and information obtained from NMLS Consumer Access.

(4) The data and information provided through NMLS Consumer Access shall be used ONLY in accordance with all other terms and conditions of this Agreement to assist you, your clients or your organization in determining whether to conduct or continue to conduct business with NMLS-registered persons or companies. All other uses are prohibited. In no event shall the data and information provided to you through NMLS Consumer Access be used for any purpose referenced in Section 603(d) of the Fair Credit Reporting Act (15 U.S.C. § 1681a(d)).

(5) You agree that you will not duplicate, download, publish, publicly display, modify or otherwise distribute the information retrieved from NMLS Consumer Access for any purpose other than as expressly permitted by this Agreement. In no event may you offer to others any information retrieved from NMLS Consumer Access for commercial purposes, or as part of a subscription service or similar arrangement. You agree that you will not use the information retrieved from NMLS Consumer Access to develop or create a database of information to be sold, licensed or made otherwise commercially available. You agree that you will not use the information provided to you through NMLS Consumer Access for purposes of soliciting registered persons or companies for any purpose, commercial or otherwise. You agree that you will not use any device, software, or service, including “scraping” programs or services, to extract data or information from NMLS Consumer Access for any purpose.

(6) You agree that you will not use any process to monitor or copy NMLS Consumer Access information in bulk, or make voluminous, excessive or repetitive requests for information. You further agree that you will not use any device, software or routine to bypass any software or hardware that prohibits volume requests for information, you will not interfere with or attempt to interfere with the proper working of NMLS Consumer Access, and you will not take any action that imposes an unreasonable or disproportionately large burden on NMLS Consumer Access or SRR.

(7) All requests for permission to access or use NMLS Consumer Access for uses other than those described in paragraphs 4 of this Agreement must be made in writing to SRR clearly stating the purpose and manner in which NMLS Consumer Access is proposed to be used. Requests may be submitted to: SRR

1129 20th Street, N.W., 9th Floor

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Attention: President and Chief Executive Officer SRR, in its sole discretion, may approve or reject any request that is inconsistent with the terms and conditions of use of NMLS Consumer Access.

(8) Provision of information by SRR pursuant to NMLS Consumer Access does not constitute a waiver of any of SRR's rights, privileges, or immunities with respect to the furnishing of disciplinary or registration information.

(9) SRR does not charge for this service, which is offered pursuant to SRR's responsibilities under Section 1502 of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (12 U.S.C. 5102) and under the laws of the several states and the District of Columbia. In the provision of this service and the data and information contained in NMLS Consumer Access, SRR makes no warranties of any kind, and disclaims liability to any person for any actions taken or omitted with respect to NMLS Consumer Access. SRR is not responsible for and cannot verify information contained in NMLS Consumer Access, and does not warrant or guarantee the accuracy or completeness of the information requested. Neither SRR nor any affiliate or supplier shall be liable for any loss of income, trading loss, or consequential, incidental, or indirect damages, regardless of whether SRR has been informed of the possibility of such damages.

(10) Registered persons, registered companies, government agencies, and other sources file disclosure information with SRR. Most disclosure information is available through NMLS Consumer Access within two (2) business days of being filed. In certain limited circumstances, disclosure information may not be available through NMLS Consumer Access within the usual timeframe, but will be made available as soon as practicable.

(11) Consistent with SRR’s policies and procedures, SRR will disclose information on individuals, through NMLS Consumer Access, for five years after the termination of the individual's SRR registration. Disclosure information reported to SRR after an individual’s registration has terminated may not have been reviewed by the individual; in addition, individuals who are no longer registered are not required to independently report such information.

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Preventing Sexual Violence Among Young People in the United States

Posted on November 22, 2019 at 3:00 PM

Preventing Sexual Violence Among Young People in the United States

HOW CDC’S RESEARCH ON BYSTANDER TRAINING HELPS PROTECT OUR FUTURE

Sexual violence is common. It is costly and devastating for individuals and communities. It is also preventable. CDC is leading the field by

championing research that addresses critical gaps and informs prevention efforts in our states and communities. One innovative approach—

empowering bystanders to prevent sexual violence—has gained increasing attention from public health and sexual violence prevention

professionals, educators, school administrators,

and policymakers. CDC’s Division of Violence Prevention is advancing knowledge in this area through multiple research initiatives that examine

how and when bystander training works to prevent sexual violence among young people.

UNDERSTANDING THE IMPACT OF SEXUAL VIOLENCE

CDC’s National Intimate Partner and Sexual Violence Survey and other sources show that:

• About 1 in 3 women and nearly 1 in 6 men experience some form of contact sexual violence* in their lifetime.

• 1 in 5 women will experience rape or attempted rape in their lifetime. • Sexual violence impacts young people.

For example, 41% of female rape victims report that they were first raped before age 18.

• Sexual violence can cause short- and long-term

physical and psychological problems, such as depression, anxiety, and suicidal thoughts.

• CDC estimates that rape costs more than

$122,000 per victim across their lifetime, one third of which is paid for by government sources such as the U.S. criminal justice system.

*Includes rape, being made to sexually penetrate someone else, sexual coercion, and unwanted sexual contact. Centers for Disease

Control and Prevention

National Center for Injury

Prevention and Control

CDC’s STOP SV Technical Package highlights several

key strategies that communities and states can use

to prioritize sexual violence prevention activities that

are based on the best available evidence.

IDENTIFYING EFFECTIVE PREVENTION

STRATEGIES AND PROGRAMS

CDC’s research has greatly increased our

understanding of what works to prevent sexual

violence. One key strategy identified by CDC for

preventing sexual violence focuses on training

individuals to be active bystanders.

Bystander training motivates and teaches young

people to:

• speak out against attitudes or behaviors that

support violence;

• provide help when they see behavior that puts

others at risk; and

• take steps to safely and effectively intervene

when possible.

Past research has indicated these are promising

ways to reduce risks for sexual violence among

college students. CDC’s recent research has

evaluated whether these programs also prevent

sexual violence in younger students.

• The Green Dot program trains young people to

intervene when they see attitudes and behaviors

that may put people at risk for violence. Although

initially developed and tested with college

students, a recent CDC-funded study found that

Green Dot reduces the likelihood that young

people in high school will commit sexual violence

or be victims. Current CDC-funded research is:

− testing strategies for using Green Dot as a

prevention strategy in entire communities;

− examining alternate methods of delivering

bystander interventions; and

− addressing the potential benefits of adding

substance abuse prevention

• Bringing in the Bystander teaches people how to

safely and effectively intervene in situations with

heightened risk of sexual violence. Prior research

found that the program improves knowledge

of, attitudes about, and effective responses to

sexual violence on college campuses. CDC is

funding a study to evaluate its use with high

school students.

• The Coaching Boys into Men program guides

coaches to talk with male athletes about healthy

relationships and their role in stopping violence

against females. A CDC-funded study found that

the program increases recognition of abusive

behaviors, gender-equitable attitudes, and

intentions to intervene in abusive situations. CDC

is currently evaluating whether Coaching Boys

into Men is also effective in middle schools.

CDC’s CONTINUED COMMITMENT TO

PREVENTION RESEARCH

CDC will continue to invest in innovative research

that improves what we know about sexual violence

and how to prevent it, building on advances in

research and practice from prior work. CDC is

committed to:

• Identifying factors that increase or reduce

perpetration of sexual violence among young

people and strategies that address those factors

at key developmental points.

• Finding effective, cost-efficient strategies

that work for people at highest risk.

• Continuing to examine the effects of prevention

approaches that are already in use in communities

but have not been formally evaluated

Sexual violence is a significant but preventable

public health problem. Continued evaluation

of practice-based prevention programs and

other promising approaches helps expand our

understanding of what works to prevent sexual

violence among young people and improve their

health and well-being throughout life.

Learn more about how CDC’s future research can

identify solutions to emerging violence issues:

https://www.cdc.gov/injury/researchpriorities/.

Essential Child Safety Tips

Posted on November 21, 2019 at 11:45 PM

Essential Child Safety Tips

 

 

 

 

 

 

The FBI estimates that at least 2300 children are reported missing every day. The primary way to help your child to stay safe is to begin educating them about how to react in certain situations and with certain people, beginning at around age 3-4. At this age range, children are open and receptive to learning information, and will retain it for the future.

 

Please review the following tips with your child, and afterward have your child take our quiz to reinforce understanding about how to act during specific situations.

 

 

1. Approach the subject of safety in a non-threatening way. It is important that you don't make your child fearful of situations or people. Instead, teach them to be cautious, to trust their intuition, and therefore be able to recognize when something or someone is not safe.

 

2. Encourage your child to talk to you when something is bothering them, and to not to keep secrets. Open communication is very important, so really listen to what your child is saying, and discern if there are any issues you need to discuss that they may not vocalize.

 

3. Let your child know that their body belongs to them, and no one has the right to touch them without permission. If someone is touching them, or making them feel uncomfortable, they should tell you immediately, even if it is a friend, family member, or someone in your community.

 

4. Inform your child that there are people called "strangers," people that your child does not personally know, nor does anyone in your family, who may attempt to talk to them or to lure them into a vehicle. It is important to impart to your child that a stranger looks like any other person, and is not a monster or a creature, but a regular individual.

 

Describe the common stranger lures to your child, so they are aware of these situations.

 

These lures are:

 

-Pretending to look for a lost dog

-Offering candy, a toy, or money for the child to go into a car

-Telling the child that a family member is hurt, and they must come with them to see them

-Telling the child that if they do not come into the car, that the adult will hurt a family member

-Asking for directions or for information

 

First and foremost, emphasize that adults do not ask children for help, nor do they threaten them. And that children should never approach an unknown vehicle and get into a car with a person they do not know, no matter what that person says.

 

 

If your child encounters any of the above situations, teach them that they should immediately scream, "NO!," run as quickly as they can in the opposite direction, and try to find a trusted adult, even if they have to go to the nearest house and bang on the door. If someone tries to grab them, they should scream, "THIS IS NOT MY PARENT!" to attract attention.

 

 

5. Create and share with family members and friends, an easily remembered CODE WORD that your child can use if they are not certain if someone is a stranger. If someone approaches your child and says that they are a friend and must take them to someone, your child can ask for the secret CODE WORD. If the person does not know this code, your child must scream and run away as quickly as possible to a safe area.

 

6. For protection, it is imperative that you do not label your child's clothing, backpack, or other personal items with their name, as an abductor could use this information to gain trust. If they call your child by his or her name, they may not realize that this person is not an authorized adult, and go with them.

 

7. Give instructions about what to do if your child gets separated from you at a mall, supermarket, or other public place. If they do not have a cell phone with which to call you, tell them to go to a checkout counter or information desk, or approach a security officer or parent with children, and let them know they are lost and looking for their parent(s).

 

8. Make sure your child knows his or her full name, address, phone number, your cell phone number, your work number, and also how to call 911.

 

9. Know where your child is at all times, and keep a list of their friends, addresses, and phone numbers.

 

10. Keep an up-to-date record of your child's personal and medical information on-hand in case of emergency, such as a ChildPrint ID Kit® or ChildPrint ID Card™. Make sure your child is fingerprinted and that you have recent photos immediately accessible.

 

11. If your child is missing, try to stay calm. First, check everywhere inside your house, then check with the neighbors and with your child's friends. If you still cannot locate them, then call the police.

 

THERE IS NO WAITING PERIOD REQUIRED TO REPORT A MISSING CHILD,

SO PLEASE CONTACT YOUR LOCAL POLICE DEPARTMENT IMMEDIATELY

 

Provide the police with a description of what your child is wearing, as well as photographs, personal identifying characteristics, and medical information. If you have our ChildPrint ID Kit®, you can provide that to the police, as it contains all data needed for law enforcement to begin a search.

 

Request that your child's name be entered into the National Crime Information Center Missing Person File (NCIC), which enables any law enforcement agency in the U.S. to identify them. Call the National Center for Missing and Exploited Children at 1-800-THE-LOST to have them entered into their database. Post signs around your neighborhood and town with their photo and vital information. Be persistent in your search efforts and stay optimistic that they will be found and returned home safely.

 

 

 

©2017 First Impressions/YourSafeChild.com.

These tips may be distributed provided the author is credited.

 

 

 

Child safety.

Posted on October 18, 2017 at 11:40 PM

The statistics can be alarming, but you can give your child an extra measure of security. As part of Kids Safety Network's (KSN) commitment to protecting the community, KSN is offering Child Safe Kits at no cost to the public. KSN’s Child Safe Kits are an invaluable resource in a time of crisis when every second counts.

 

These types of kits are endorsed and supported by the International Union of Police Associations and provide parents with the means to be able to respond quickly and effectively in the event a child goes missing.

 

We are providing these kits AT NO COST to parents/grandparents and guardians! You can order your own Child Safe Kits today by filling out the form on this page.

Child safety.

Posted on October 18, 2017 at 11:10 PM

The statistics can be alarming, but you can give your child an extra measure of security. As part of Kids Safety Network's (KSN) commitment to protecting the community, KSN is offering Child Safe Kits at no cost to the public. KSN’s Child Safe Kits are an invaluable resource in a time of crisis when every second counts.

 

These types of kits are endorsed and supported by the International Union of Police Associations and provide parents with the means to be able to respond quickly and effectively in the event a child goes missing.

 

We are providing these kits AT NO COST to parents/grandparents and guardians! You can order your own Child Safe Kits today by filling out the form on this 


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