Oklahoma Implied Consent Law for DUI Testing Monday, November 22, 2010

When it comes to chemical sobriety testing for DUI arrests, Oklahoma is an "implied consent" state. This means that anyone who drives has implicitly given his or her consent to be tested for intoxication if he or she is arrested for DUI or DWI in Oklahoma. Under Oklahoma's implied consent law, an individual does have the right to refuse to submit to a breathalyzer test, blood test, saliva test, or urine test; however, refusal to submit results in the immediate revocation of one's driver's license.

The Oklahoma implied consent statutes outline specific requirements for the administration of chemical sobriety tests, most frequently the breathalyzer test, after a DUI arrest:

• The initial traffic stop must be for reasonable grounds. An illegal stop may result in all charges against you being dismissed.

• An individual must be under arrest before being asked to submit to a breathalyzer test or other chemical sobriety test.

• Prior to requesting a sobriety test, police must read to the arrested individual the eight-part Implied Consent Notice in its entirety.

The Oklahoma Implied Consent Notice is separate from any Miranda Warning that may have been read prior to one's arrest. This notice informs the individual that he or she has been arrested, and that he or she is being asked to consent to a chemical sobriety test. The Implied Consent Warning also tells the individual the consequences of a blood alcohol concentration (BAC) of.08 or higher, and informs him or her that refusal to submit to the test will result in the suspension of his or her driver's license.

One important consideration of the Implied Consent Warning is that Oklahoma drivers do not have the right to contact an attorney to help them make the decision to refuse or consent to a breath or blood test. However, once the test has been completed or refused, any person arrested for DUI in Oklahoma should immediately contact an experienced Oklahoma DUI lawyer. If you have been arrested for a DUI, tell your attorney all the details of your initial traffic stop, arrest, and request for sobriety testing. If any procedures were conducted improperly, incompletely, or illegally, the case against you could be dismissed.

To learn more about Oklahoma Implied Consent Law please see this website: Oklahoma DUI.

FHA 203(k) Loan Program Provides Money For Home Repairs and Renovations Sunday, November 21, 2010

Thinking about buying a fixer-upper, but worried about coming up with the money to pay for the construction costs? Or are you wanting to renovate your existing home but just don't have the available time or money? If so, the FHA may have a program to solve your problems. The section 203(k) program administered by the FHA provides funds to prospective and current homeowners to make repairs and/or do renovation work. A 203(k) loan combines a home's purchase price and cost of repairs into one FHA mortgage, with only a 3.5% down payment.

A growing number of people are taking advantage of this program, a reflection of the large housing inventory caused, in large part, by foreclosures resulting from the recent economic turmoil. The FHA reports that the number of 203(k) loans taken out in 2008 nearly doubled from the previous year, with 2009 experiencing a 40% year over year increase. Potential homebuyers, attracted by relatively low market prices on foreclosed properties, are often left to contemplate how (and when!) they are going to be able to pay for the repairs once they purchase the house. This is not an uncommon scenario as foreclosed homes, which are often left abandoned, typically need extensive repairs. The 203(k) loan program solves this problem by enabling homebuyers to finance the construction work and start repairs on the home immediately after a loan closing. All residential properties, not just foreclosed homes, are potential candidates for the 203(k) loan program.

What is the FHA 203(k) Program?
The FHA 203(k) program is a home rehabilitation and repair program, designed to revitalize neighborhoods and spur homeownership. It can be used by people who are looking to purchase a new home, or by existing homeowners wanting to do repair or renovation work on their current home. What consumers end up with is a single FHA insured mortgage - the loan amount consisting of the home's purchase price (or current loan balance in the case of an existing homeowner) plus the estimated costs of the construction work.

Normally, someone purchasing a home that is in need of repairs has to first obtain interim financing for the rehab repairs and then additional financing to purchase the home. In this scenario - once the repairs are complete the homeowner must then take out a new mortgage to combine the two loans. With the 203(k) program, on the other hand, a borrower need only obtain one mortgage, which covers the home purchase and the property rehab.

The 203(k) program comes in two flavors; a standard version and a streamlined version. With the standard program, the construction costs must be at least $35,000. The maximum construction costs are limited only by the estimated "as-improved" value of the house (i.e., the value an appraiser estimates the property will be after repairs/renovations are completed). All FHA mortgages, with or without a 203(k) loan, are subject to mortgage loan limits. The mortgage amount can range from $271,050 to $729,750, dependent on where the home buyer resides. The total mortgage amount, which would include any cost of repairs, cannot exceed 110% of the "as-improved" home value. The streamlined 203(k) program is used for situations where the construction costs are under $35,000.

To be eligible, properties must be one to four family structures that are at least one year old. Condominiums may qualify, though there are some added restrictions and limitations. Additionally, FHA allows "mixed use" properties (i.e., properties with both residential and commercial use) to be eligible for the program.

A partial list of what you could use a 203(k) loan for include; replace a roof, add a room, remodel kitchen or bathroom, landscaping, update appliances, repair termite or water damage, update electrical and/or HVAC systems. It's also important to keep in mind that the program requires certain repairs (if needed) to be made. These mandatory repairs deal specifically with bringing the energy efficiency of the property up to code.

Con's
The FHA 203(k) loan does not come without some added costs and other potentially negative factors. Consumers need to carefully weigh the pros and cons in order to decide if this program is right for them.

o Homebuyer will incur fees up and beyond the normal mortgage closing costs. A supplemental origination fee - which is the greater of $350 or 1.5% of the portion of the mortgage that is being used for rehab purposes - is required. Additionally, a fee consultant (who is HUD approved) must visit the site prior to the appraisal to ensure compliance with program requirements. Expect to pay $100-$200 for this service.
o Takes longer time to close on mortgage loan - up to 4 weeks longs than a normal conventional mortgage
o Have to use an FHA approved lender. Though many such lenders exist- not all lenders will participate in the 203(k) program.
o Some lenders may prefer to deal with a home buyer who is able to pay cash for a home (versus someone using the 203(k) program) due to getting a quicker loan closing turnaround.
o Expect more paperwork than a normal conventional or FHA loan

Pro's
o Access to funds needed to complete repairs and/or renovations
o Convenience - homebuyer does not have to find separate financing for construction, plus construction begins immediately after loan closing
o Speed of construction - the process of completing construction work is typically quicker than if the homeowner were to conduct renovations on their own
o The 3.5% down payment - conventional mortgages typically call for 10-20% down payments.
o Ability to finance up to six monthly mortgage payments.

The 203(k) Loan Process Step by Step
The 203(k) process has more paperwork and steps than one would experience in a conventional mortgage process. The steps are as follows:

1. Borrower finds a home to purchase and repair/rehab (or seeks to repair/rehab current residence)


2. Borrower and their real estate agent completes a preliminary feasibility analysis to determine the extent of work required, along with an approximate estimate of the cost and expected market value of the home once all work is completed


3. Sales contract is executed


4. borrower selects and works with a FHA-approved lender


5. Borrower, contractor, and an FHA-approved consultant meet at the property to determine "required" vs. "desired" improvements


6. The fee consultant prepares the write-up


7. Home buyer enlists contractors to make bids - then selects a contractor


8. Lender gives the construction plan to FHA-approved appraiser to determine "as-improved" value


9. Lender determines maximum insurable mortgage amount for the property based on the "as-improved" property value


10. Loan is underwritten by lender- if approved lender issues a "firm commitment" and a loan closing is scheduled


11. Loan is closed. Funds are set aside in escrow accounts. The loan is FHA insured after loan closing


12. The work begins. Contractors are paid in draws as FHA fee consultant approves each phase of completed work. Homeowner has six months in which to complete the entire work


13. After work is completed - and the borrower states that all work has been completed to their satisfaction, a HUD inspector conducts a final inspection. If the inspection proves OK - the lender pays the remaining draw to the contractor. A final 10% may be held back for up to 35 days to ensure no liens are placed on the property

It should be apparent that the FHA 203(k) program offers a viable solution for some home buyers seeking funds for home repairs or renovation. Each individual needs to consider the pros and con's and apply it to their own unique situation.

ConsumerFinanceReport.com features an extensive article library covering a wide range of personal finance issues and topics, such as the article regarding FHA 203(k) Loan Programs. Sections focused on mortgage topics educate consumers on loan modification and tips on refinancing.

Greg Pruitt NCCU #34 Running Back Friday, November 19, 2010

High School Career Pruitt played high school football at Shaker Heights High School in Shaker Heights, Ohio where he was a 4-year letterman at running back and cornerback. Earned All-American 2-way Player honors as a senior and was a 3-time All-Area, All-County, All-Conference and All-City selection. Also garnered All-State honors his final season when he was rated as the 14th-best all-purpose back in the nation by Rivals.com. He rushed for 1854 yards and 25 touchdowns as a senior. On defense, he racked up 45 tackles (35 solo) and six pass deflections. Was also an All-League track athlete in the 100 meter dash and 4x100 meter relay. College Career In just three seasons at North Carolina Central University, Pruitt became the school's all-time leading rusher with 3008 career yards. He is the only player in school history to break the 3000-yard career-rushing barrier and the only player to rush for more than 1000 yards in a season twice (2004 and 2005). Pro career Pruitt signed with the Baltimore Ravens as a rookie free agent on May 4, 2007. [edit] Personal Father Greg Pruitt was a five time Pro Bowl selection at running back while playing for the Cleveland Browns and the Los Angeles Raiders from 1973-1984.



http://www.youtube.com/watch?v=Hlcl1Bti7vs&hl=en

Oh What A Beautiful Morning Monday, November 15, 2010

On the morning of May 24, 1952 along a rural stretch of highway near Prague, Oklahoma, Avatar Meher Baba was severely injured in a major car accident that was no "accident." It was, as Baba described, a critical part of His Work to release fresh streams of Divine Love into the soil of America to give a boost to all Creation and help America fulfill its destiny as a world spiritual leader. On the 50th anniversary of Baba's accident, a 4-day gathering was held in Oklahoma to commemorate this extraordinary event. Attendees visited the accident site, heard from great speakers such as: Leatrice Shaw, Charmian Duce, Murshida Connor, Asfandiar Vesali and the daughters of Baba's Prague physician, Margaret and Julia Burleson. The love-filled atmosphere was topped off with a rousing rock concert by Billy Goodrum. It's all here in this remarkable and beautiful 2-hour documentary that honors Baba's accident in a fresh, new way.



http://www.youtube.com/watch?v=Hp4tFhlXLVE&hl=en

Prescription Drug Abuse Skyrocketing in Oklahoma - Says State Narcotics Bureau

Hydrocodone, sold under brand names such as Lortab and Vicodin, and the stronger oxycodone, most popular as OxyContin and Percocet, are devastating the younger population of Oklahoma, says the state Bureau of Narcotics and Dangerous Drugs. The opioid painkiller epidemic is leading to a critical overload for facilities offering hydrocodone and OxyContin detox.

According to the state drug bureau, hydrocodone is the number one prescribed controlled substance in the state, and oxycodone is number three, just behind diazepam, (usually known as Valium) in the number two spot.

To get an idea of how much hydrocodone and oxycodone is used in the state, the bureau's spokesman Mark Woodward points out that the state's prescription monitoring database shows 111 million doses of hydrocodone are prescribed every month in Oklahoma, enough for one dose every day for every person in the state.

Oklahoma consumes as much hydrocodone as the entire state of California, which has 10 times the population, and oxycodone, the active narcotic in OxyContin, is not far behind.

"That's crazy," Woodward told the Oklahoman. "We've seen huge increases in the last 10 years, just the amounts of them being filled."

Dr. Charles Shaw, an addiction specialist, told the newspaper he considers the current use and abuse of prescription painkillers an epidemic. He says pharmaceutical companies market them aggressively, government drug agencies "have dropped the ball" in controlling their use, and physicians who prescribe them get almost no training in dealing with addiction.

"I kept seeing over and over and over people in their 20s addicted to OxyContin," Dr. Shaw told the Oklahoman. "Once they took it, they could never get off of it." OC, or oxy as it's known on the street, is the only opiate that can be swallowed, snorted or injected, Dr. Shaw said. "It's just like heroin in pill form. It is worse than heroin."

Many victims of oxycodone and hydrocodone addiction don't start with illicitly obtain drugs, they get addicted taking legitimate prescriptions for pain. OxyContin, a time-release version of oxycodone, is an effective painkiller, lasting up to 12 hours. But all narcotics open the door to physical dependence and addiction to any person who uses them, even as prescribed. And OxyContin is particularly addictive. In fact, the company that makes it, Purdue Pharmaceuticals, was fined $630 million last year for failing to disclose to physicians and the FDA just how incredibly addictive it really is.

OxyContin is especially popular with addicts, including former heroin addicts, because they can crush the tablets to defeat the time-release mechanism, and then snort or inject the crushed powder for a massive, heroin-like high. After a few of these experiences, almost no one can escape dependence or addiction.

When someone becomes dependent or addicted to opioid painkillers, they must be weaned off of them slowly to avoid painful withdrawal symptoms. But most addicts find the weaning-off process too difficult to get through. Reversion to drugs is common.

Most drug detox programs are 'one-size-fits-all', basically ignoring all but the most obvious personal needs of patients. In many cases, patients are just sent home and told to taper off, which is akin to telling a binge eater or an alcoholic to "just say no." The 'cold turkey' approach is almost as impossible. Patients are simply put in a room and asked to "tough it out." Neither method is successful, for all but a very, very few.

Successful alternative drug detox programs are available, however, called 'medical drug detox' programs. These provide 24/7 medical supervision and assistance, and are personally tailored to each patient's unique metabolism and current health requirements.

Medical drug detox programs avoid the worst of the withdrawal symptoms, are much faster and more thorough than the cookie-cutter variety, and are routinely successful for almost anyone addicted to prescription drugs like narcotic painkillers or benzodiazepines, or to alcohol. And medical drug detox programs are particularly successful for people suffering from OxyContin addiction, often taking only a week or less.

In a field almost devoid of a promise of recovery, medical drug detox offers new hope.

Rod MacTaggart is a freelance writer who contributes articles on health.

info@novusdetox.com

http://www.novusdetox.com

The Best Defense

As with all States, the state of Nevada has very serious consequences for anybody charged or arrested of a suspected offense, and whether convicted or not the impact on your life can have long-lasting, sometimes disastrous repercussions. A good Domestic Abuse Attorney will work towards getting municipal, federal or state criminal charges reduced to lesser offenses or dismissed altogether. Primarily focusing on defending the accused, a domestic violence attorney and his office will sometimes cover municipal, state and federal crimes, and will provide the best possible defense no matter what the charges are. While your lawyer might specialize in domestic battery, he will usually be qualified to defend all types of criminal charges. These charges can include, but are not limited to:

• Assault
• Appeals
• Battery
• Bail Hearings
• Drug Offenses
• DUI's
• Fraud
• Probation Violations
• Sex Offenses
• Theft Crimes
• Trespass

In the State of Nevada, being charged for battery is considered to be an enhancement crime, and after receiving a conviction an individual is open to further enhanced penalties on any subsequent convictions. If a third conviction is obtained within seven years there is a mandatory prison sentence given in Nevada Department of Corrections.

A first offense conviction for battery in Nevada is not permitted to be removed from a criminal record for seven years minimum. One conviction means that the individual is denied their Second Amendment right to bear arms. It can also be a major factor if you are involved in any child custody hearings or proceedings.

A first offense battery conviction in Nevada also means a two-day minimum stay in jail and confinement of up to six months, a $1000,00 fine, forty-eight hours minimum community service, and battery counseling for six months.

If a second offense for battery is obtained within seven years of the first one it will mean a ten-day minimum stay in jail with a confinement of up to six months, and a fine of up to $1000. It can also, include a minimum community service arrangement of one hundred hours and battery counseling of twelve months.

If a third offense for battery is obtained within seven years of the first it is then classed as a category C felony offense and will mean imprisonment for one to five years in the Department of Corrections in Nevada.

Ensuring that you get the best lawyer possible for your case can mean the difference between a possible custodial sentence and your charges being dismissed. A good lawyer will, at trial, focus on any possible motives of the accuser, and hopefully demonstrate that the charges are unwarranted or unfounded.

If you have been arrested or charged with domestic or spousal battery, it is extremely important that you make sure you do not make any statements or answer questions without your lawyer being present. It is always best to let your lawyer make any such statements on your behalf, rather than you make one while you are in an emotional state or in the tense settings of an interrogation room or police station.

Stewart Wrighter was fascinated by the quality work provided by the Las Vegas domestic abuse attorney he spent time with. He recently reviewed the cases of a Las Vegas domestic violence attorney.

Drug Addiction Can Be Treated Saturday, November 13, 2010

Drug addiction is one of the severe maladies which affect the modern society. Drug addicts; initially believe that they can stop using drugs on their own. But most of them fail to achieve recovery, since the drugs induce changes in brain function. This results in adverse behavioral problems, including the compulsion to use drugs despite adverse consequences. In spite of that, research has proved that there is hope for even the severely addicted individuals.

The best way to recovery is to get the help of professionals. Once the driving forces behind addiction are identified, it is easy for the addict to get rid of them. Psychiatrists and other experts along with spiritual counseling and medication complete the process of total recovery.

One gets baffled to know about the wide range of addictive drugs available in the market. Treatment for specific drugs varies and treatment depends on the characteristics of the patients. Behavioral therapies are offered to people for helping them to cope with drug cravings, to avoid drugs and prevent relapse, if it occurs. Issues such as age, culture, sexual orientation, gender, employment, physical and sexual abuse etc are taken into consideration while determining the treatment program.

When patients suffer from mental disorders such as depression, anxiety disorder etc., medications such as antidepressants and mood stabilizers may be critical for treatment success. In chronic cases prolonged treatment becomes necessary. In case of infectious diseases like HIV/AIDS, Hepatitis B and C, Tuberculosis etc., proper assessment should be done well in advance so that patients can modify their behavior to avoid placing themselves and others at the risk of infection.

An effective treatment addresses not only the individual's drug use, but also related medical, psychological, social, vocational and legal problems. Also if the treatment has to be fruitful, the patient has to be motivated to undergo the treatment for the stipulated period. Even though the duration varies from person to person, research proves that for most patients the threshold of significant improvement is reached at about three months in treatment.

If you want to know more about Drug Rehab Program then it is a good idea to visit Drug Rehab Centers.

Oklahoma All State Borodin Polovtsian Dances Part 1 Thursday, November 11, 2010

jakespond.co.nr 2008-2009 Oklahoma All State Orchestra (High school) Part 1. Borodin Polovtsian Dances Part Two Here: www.youtube.com The full DVD includes Shostakovich's Festive Overture, and Mason Bates' Rusty Air in Carolina. For more info on ordering the full DVD go to Viamediaavpro.com



http://www.youtube.com/watch?v=D1EsRApgeTg&hl=en

How to build a cell phone interceptor Monday, November 1, 2010

Website: www.householdhacker.com Live www.ustream.tv *This is a parody video for fun. Hope you enjoy!* In this episode we show how to create a cell phone interceptor. You will be able to pick up cell phone calls within a 2 mile radius and will need the following items: 1) A universal remote 2) A lapel microphone 3) A metal wok or bowl 4) A jeweler's watch kitDisclaimer: As with this experiment and all other HouseHold Hacker videos. We cannot be held responsible for damage or mistakes made if attempting the experiments. These projects are for demonstration purposes only and should not be attempted at home.



http://www.youtube.com/watch?v=tvGVir25EJc&hl=en