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Philadelphia News and Views YOU Write - Urbi et Orbi

Northwest Philly

FAMILY AND THERE RELATIONS

GOD so wonderful who make the world look more beautiful...GOD also created humanbeings children where the children cannot live alone in the world god created parents..As the god cannot do each and every thing for children he created the parents for helping their children..so parents are our next god so we have to respect them...family makes a beautiful life with mother,father sister brother..we can share joys and sorrows with them..we cam play with our brothers and sisters..we can share each and evary thing with our family..family is the first best relation in my part of life ...i love my family....
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Connecticut Drug Treatment

Upside Down Car Loans

When you go about securing a car loan the vehicle itself is used as the collateral on the car loan which is what makes the secured car loan itself. The auto finance company online that you end up going with will then loan you the finances for the car based upon the cars current value at the time of the loan based upon the loan value of the car. This loan value will usually be about seventy five to eighty percent of the actual retail cost of the car itself. There is an answer to why this is the case and that is simply because one year after you drive a new car off of the car lot the value of it lowers to that amount which is called depreciation.

The car finance company online that you go with will want to make sure that the car loan they are giving you will cover this so that the overall end result cost of the car loan is equal to or less than the value of the loan itself. This is to ensure that they will be able to make a profit if they wanted to sell the car if they were to ever go about having to take it away from you for nonpayment at some point.

An upside down car loans online is when a car balance is worth more than the value of the loan that is on it. Another way of putting it is that the car itself is not worth the amount of the loan. In order for you to ever go about selling the car back or if you were to ever go about trying to trade it in you will find that you are going to have to pay the difference of the car value in cash in order for you to be settled up with the car loan company. This is a very bad thing to find yourself into because even with great credit you can have a car loan lender approve you for the full amount of a car loan but as a result of that you could end up owing a lot more then you should for several years because you are always trying to pay down more of the balance then the car itself ends up being worth until you end up paying off a car to the value that it really is.

Another problem with having this happen is that if you have car insurance it only will cover the cost of the book value on your car so in the event that you get into a major accident or if perhaps your call was stolen then you very well may end up being forced to pay the difference in cash.

This is something that you are going to want to make sure that you remember when you go to buy a new or used car online. You should make sure that you are going to stick with it for a while and that you do not over finance the worth of the car or you could end up in a really bad process where the end result is you paying a lot more money then you should be paying. You can avoid these things so long as you do the proper research and plan out carefully the car itself as well as the car loans that you go about getting for this car. The other thing that you are going to want to be aware is that a car loan company may entice you with very low car loan rates in order to get you to end up financing more on the car than you should. You should only take these sorts of options if you are lucky enough to have the cash in hand to pay for something should the situation ever occur otherwise do not take the risk unless you understand fully what you may be getting into before this happens.

This is not rocket science in order to make sure that these things do not happen to you and your car loan so long as you are capable of following a few bad credit upside down car loan guidelines online itself. The first thing that you are going to want to try and do is put down as much money as possible on your initial deposit on the car itself. The more money that you put down the less that you are ultimately going to need to pay and the less that you actually owe. Try to take out a car loan with the short length car loans term as your budget sees fit. The longer the car loan term the less the monthly payment but the more money you will end up spending due to the car loan rates, so as a result of that try to find yourself a good middle ground. Make certain that you do not add in the taxes and the additional fees to the car loan itself. You want to make sure that the car loan is for the total value of the car itself because this is all that matters. If you are able to pay more than the monthly minimum payment each month then do so.

The more money you can pay off of the principle on the car loan the quicker you will be paying it off and less money you will be spending on paying off interest. If you have any sort of refinance upside down car loans on another vehicle make sure that you pay it off first before you go about getting another car loan. Simply make sure that you are not paying more than what the vehicle is worth in the first place so do your homework to avoid that one. Make sure that the car that you are getting a vehicle loan for falls into the budget that you have to spend each month. Try to hold onto a car for at least a couple of years because the first couple of years on your car loan the monthly payments that you are making are for the most part going towards the interest on the loan itself.

Whatever choice that you make when it comes to get any upside down auto loan it is really a matter of doing all of the research that needs to be done in order to make sure that you do not make the mistake of falling into an upside down car loans online. This research while at times may seem tedious or boring could help you avoid a huge mistake down the line that could negatively impact not only your finances, but your credit as well.

Second Annual Mt. Airy Kids' Literary Festival!

Come check out the second annual Mt. Airy Kids' Literary Festival- from Friday, April 11 to Sunday, April 13, 2008, presented by the Big Blue Marble Bookstore in the Mt. Airy neighborhood of Philadelphia! Authors/illustrators/musicians include Two of a Kind, Alix Berenzy, Charlene Crawford, Dar Hosta, Adam Rex,Catherine Gilbert Murdock, Eloise Prescott, Muriel Feelings, Miriam Peskowitz, and Denise Valentine.

Here's the full schedule:

Mt. Airy Kids' Literary Festival
Friday April 11 through Sunday April 13, 2008
Friday, April 11

7:00-7:45pm - KIDS' CONCERT! with Two of a Kind.
Location: Big Blue Marble Cafe
Saturday, April 12

10:30am - Olivia Crafty Fun and Activities! (For preschoolers and younger readers)
Location: Big Blue Marble Cafe
Join Olivia the pig, and color, cut, and race her through a variety of paper activities.
With pastry refreshments from High Point Cafe.
Sponsored by High Point Cafe

11:00am - Reading and Collage/Art Activity with Dar Hosta, author of Mavis & Her Marvelous Mooncakes and If I Were a Tree.
Location: Big Blue Marble Cafe

12:00pm - Reading with Alix Berenzy, author of Sammy the Classroom Guinea Pig.
Location: Big Blue Marble Cafe
With refreshments from Weavers Way.
Sponsored by Weavers Way Co-op

12:45pm - Game/Giveaways!
Location: Big Blue Marble
Wander around the Big Blue Marble and participate in games and giveaways of kid literary fun!

1:00pm - Reading with Charlene Crawford, author of Adventures with Granny in the Garden.
Location: Big Blue Marble Cafe

2:00pm - Reading with Adam Rex, author of The True Meaning of Smekday and Pssst!
Location: Big Blue Marble Cafe

3:00pm - Reading with Catherine Gilbert Murdock, author of Dairy Queen and Princess Ben.
Location: Big Blue Marble Cafe

4:00pm - Daring Book for Girls Scavenger Hunt/Book Signing! Join us while we scavenge for books, following clues around the Big Blue Marble, and meet Miriam Peskowitz, co-author of The Daring Book for Girls.
Location: Big Blue Marble Cafe

5:00pm - Favorite Bedtime Story Reading!
Location: Maternal Wellness Center
Join the folks at the Maternal Wellness Center and cuddle up in their community living room for a cozy bedtime story reading. Kids, come dressed in your pajamas, share your stories, and eat snacks.
Sponsored by the Maternal Wellness Center
Sunday, April 13

12:30pm - Craft/Art Activity and Signing with Jan Jugran, author of Willow Becomes Brave and Puppy Love.
Location: Big Blue Marble Cafe

1:30pm - Reading with Muriel Feelings, author of Jambo means Hello and Moja means One.
Location: Big Blue Marble Cafe

2:30 - Storytelling with Denise Valentine, of Keepers of the Culture Storytelling Organization.
Location: Big Blue Marble Cafe

3:30 - Reading with Eloise Prescott, author of Aisha's Crowning Glory.
Location: Big Blue Marble Cafe

Yay!

Job Placement Services

If you are a Philadelphia resident who is unemployed, employed part-time, or under-employed, JEVS/Orleans Technical Institute has a FREE Job Placement Program available throughout January to May.

Applicants must be Philadelphia residents 18 years of age or older who are seeking full-time employment. The program will do a complete assessment of skills and work history to help determine a job that will be a good match. Participants must also meet the low-income government guidelines but not receiving cash assistance from welfare.

All participants will attend an intensive two-day job readiness program where they will learn to set up an email account for jobs and practice interviewing skills. The staff will prepare an effective resume and cover letter. They will also learn how to do a thorough Internet job search to help assist in their employment goals. Successful participants who find employment will be eligible to receive a gift card for $50.00 after their first month of employment.

The program is located at 1330 Rhawn Street in Northeast Philadelphia, accessible to public transportation from anywhere within the city. If you would like to join this excellent source of job searching support, please call Stephanie Scotton at at 215-728-4709 for more information.###

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New Market Opening East Falls

There is going to be a new market opening in East Falls; basically a neighborhood version of Pike's Market in Seattle or our own Reading Terminal Market.

November Poetry!

Check out these upcoming beautiful poetry events in November:

Wednesday, November 14, 7:00pm. Poetry with Pandora Scooter and Samantha Barrow. Spoken wordsmiths Pandora Scooter (NJ) and Samantha Barrow (Philly-now-NYC) share new works inspired by motorcycles, sexuality, life, vegetarianism, introspection and love. Amazingly supportive of each other's work, Sam and Pandora go together like a Philadelphia Book Store and a poetry reading. Don't miss the fun!

Tuesday, November 20, 7:00pm.Poetry with Marion Cohen and Elaine Terranova. Marion Cohen’s new book, Crossing the Equal Sign, consists of poetry about the experience of mathematics. Her own experience of math has been as mathematician, mathprof, and most of all math lover. Her books total seventeen, and her previous book before crossing was Dirty Details: The Days and Nights of a Well Spouse. Other interests are classical piano, singing, Scrabble, thrift-shopping, four grown children, and two gran's. Elaine Terranova was named a Pew Fellow in the Arts for 2006. Her most recent book of poems, NOT TO: New and Selected Poems, was nominated for a Pulitzer. For her first book, The Cult of the Right Hand, she won the 1990 Walt Whitman Award of the Academy of American Poets. She has received an NEA fellowship and two Pennsylvania Council on the Arts Fellowships for her poetry. Her poems have been published in The New Yorker, Prairie Schooner, The American Poetry Review, The Virginia Quarterly Review, The Antioch Review and other magazines and appear in various anthologies.

At: Big Blue Marble Bookstore
551 Carpenter Lane
Philadelphia, PA 19119
215-844-1870
www.bigbluemarblebooks.com

All events are free and open to everyone.

You, the Citizen, Can Bring the City its Day of Reckoning Now!

NO MORE HARMFUL REAL ESTATE DEALS BLESSED BY POLITICIANS AND CORRUPT DYSFUNCTIONAL MUNICIPAL SYSTEM!

East Sydney Street Needs City Wide help and support. If EAst Sydney street can WIN their right to orderly , healthy and inclusionary development -- the whole city can WIN. Leave a message at 215 525 1176 to lend your help and ideas. We need lawyers, publicity and DUST CONTROL!!!! We need to mobilize for the average citizen of Philadelphia. We need full transparency and exposure of the violations done in this project and the harm to our neighborhood. Neighborhoods are for Neighbors!

The City of Philadelphia needs its Day of Reckoning about how it treats its average citizen. East Sydney Street is a small one way rowhouse street in East Mt Airy but the problems inherent in this disaster reflect the greater issues of municipal corruption and abuse toward citizens in Philadelphia. If we can solve and expose the problems on East Sydney Street -it will force the city to be more accountable to other neighborhoods.

I have a lot of information. The residents on this street , who are mainly women and children have a lot to say, but we need help from the outside.

My neighborhood has suffered the results of an extremely bad plan, riddled with violations and environmental and social harm. We have suffered through the failed partial construction of this plan for over a year. We have ended up in the emergency room because of dust and other chemicals in the air and other factors listed below. Please Help. Please condemn this partially constructed site and start over with a better plan. PLease Attend NW GREEN PLAN Meeting on Tuesday OCT 9 at Library at Chelton and Green.

East Sydney Street continues to be violated by the City of Philadelphia
and the developer friends they protect. I have spoken to more and more
women on my street. We are all extremely angry at how this City and
this City has abused our way of life, our health and our property and our
children and the future of our respiratory health.

This is a very serious matter and we have many children on our street.
These are only some of the issues that our neighborhood has been
suffering.
1) Construction is poor and lowers the standard of living in our
neighborhood. Adds Congestion and Noise.

2) Public Health Hazards of Long Term Uncontrolled Dust is dangerous
to the health and future health of you and your children.
3) Many woman on East Sydney Street have experienced sexual
harassment by construction crew.
4) The children are forced to change their play areas to get away from
the construction.
5) The construction site has been regularly used as a “clubhouse” for
drunkenness, drugs and disorderly conduct. Rise in crime.
6) Our cars are constantly full of dust. We can’t walk to our cars, the train
or into our homes without getting dust on us.
7) Neighbors closest to the site cannot use their porches or backyards
because ot the dust hazards.
8) The city allowed us to be without a functioning fire hydrant for a year
or more, causing potential fire danger to our neighborhood.
9) Site was always an industrial site. It was coal yard for many decades,
Brick company, contractor’s storage yard, automotive storage and
underground gasoline tank. We were exposed to that contaminated
dust. This is a crime.
10) The Water Department gave violations for dust from a
Contaminated site and did not inform the neighbors of the health
hazards.

11) This unfinished project is a magnate to crime and pollution and
unlivable and harm to the neighborhood..

12) Ask that Green Plan, a division of the City Planning Commission
take over this site and use Green Plan principals to work with the
neighbors to create a place of health and beauty for our children and
future generations.
Please help. For once please help create a healthy neighborhood for
the people who live here and stop allowing builders to abuse and harm
us. The dust pollutants are illegal and our civil rights and health have
been violated.

This crime against this neighborhood must be corrected in full.

GO to NW GREENPLAN Meeting on Tuesday Oct 9, at Library Greene and Chelton

Madmags

East Sydney Street Needs City Wide help and support. If EAst Sydney street can WIN their right to orderly , healthy and inclusionary development -- the whole city can WIN.

HARRY POTTER MADNESS!

HARRY POTTER MADNESS!

Friday, July 20 and Saturday, July 21.

Harry Potter Book Release Party!
The party starts at 7:30 pm with a handmade costume contest (with a chance to win a free book!), then the night is filled with a Harry Potter band, ''The Marauders'' , playing a smashing set of Potter tunes, plus card games, crafty circles, Potter trivia and dialogue, a kids' section filled with multimedia activities and crafts, and more! Midnight starts the book release; remember to preorder your book. Recommended for ages 7 and up.

The Little Theater Opens Tonight in Mt. Airy

This summer, the Sedgwick Theater was home to Films at the Sedgwick, and on First Friday, we brought Movies back to the Avenue in Mt. Airy. It was great fun and demonstrated once again that Mt. Airy wants a movie theater. So where do we go from here? Well, we’re thinking BIG and starting small.

Introducing Sedgwick’s baby sister—the Little Theater in Video Library, 7141 Germantown Avenue. Beginning on First Friday, November 3, the Little Theater officially joins the Avenue and Films at the Sedgwick will have movies every Friday and Saturday evening. With all the ambience of a movie theater, the Little Theater is an intimate setting where 25 family, friends and neighbors can view movie favorites, recent or classic, that they might have missed or want to share with others.

Visit our website to learn more about the Little Theater, and for a listing of what's playing tonight and in November!

-David Titus
Director, Films at the Sedgwick
www.filmsatthesedgwick.com
filmsatthesedgwick@gmail.com

Folk Legend Helps NW Philly Schools

If little Jackie Paper loved that rascal Puff, did the other kids make fun of him?

If I'm leavin' on a jet plane, is it because you laugh at me?

When I'm 500 miles away from home, can I find some respect?

If I had a hammer, would I hit someone?

If this land is your land, will you let me in?

Don't think twice it's alright, the answer is blowin' in the wind.

If these lines make sense to you:
(a) you're a folkie,
(b) you live in Mt. Airy,
(c) you're a flower child,
(d) you're a child of a flower child, or
(e) all of the above.

If they don't make sense, then like me you may need to Google a guy named Peter Yarrow.

Or if even Google is to slow for your information acquiring needs: Peter Yarrow is the Peter of Peter, Paul and Mary. Yeah, that Peter. Who knew they had last names? (If you're still stumbling here, talk to anyone who fits items a - e, above.)

Peter, Paul and Mary are still at it. In fact, you can catch them at The Kimmel Center on June 3rd.

The Mifflin School in East Falls

The Mifflin School in East Falls ascends! See the East Falls School Committee Blog for more.

East Falls School Committee

description:

Formed in the Summer of 2002 to explore/promote public school options in East Falls. The EFSC’s primary mission is to support the Mifflin School in East Falls. We meet on the first Wednesday of every month (except for July and August) at 7:00 PM at the Presbyterian Church at the corner of Midvale and Vaux Streets. These meetings are open to the public, including Mifflin staff, parents of Mifflin students, and any other concerned or interested citizens from the broader community. The EFSC is a committee of the East Falls Community Council, one of three major East Falls civic groups; the others are the East Falls Development Corporation and the East Falls Business Association.

Open House at the Mifflin School in East Falls - December 8th

If you're considering public school options, come find out why the Mifflin School in East Falls might be a great choice. See the East Falls School Committee for more info.

East Falls and the Mifflin School get a Wonderful New Principal

East Falls heartily welcomes Ms. Allyssa Schmitt as the new principal of the Mifflin School. Prior to beginning her tenure at Mifflin, Principal Schmitt was a teacher in the Pittsburgh Public School System for fourteen years. Principal Schmitt has had a multitude of urban teaching and administrative experiences in Pittsburgh and is thrilled to be collaborating with the East Falls community. The East Falls School Committee looks forward to a long and productive relationship between Principal Schmitt, her leadership team, and the broader East Falls community as we work to make Mifflin the best grammar school in the City.

See the East Falls School Committee blog for more info