 of the publication of the original novel.
Before.
Published in 1908, L. M. Montgomery's coming-of-age classic Anne of Green Gables has enchanted generations of readers, both children and adults. The story of the spunky red-haired orphan from Prince Edward Island is known to millions, and copies of the eight titles in the series have never gone out of print. But when readers first meet Anne, she is only eleven and has just been sent from an orphanage to meet her new family. No one ever knew.HELOC? Help leveraging home equity

Long post so disclaimer: please read if your knowledgeable on how to leverage home equity to purchase a second home. All details to follow below.  


I am on the hunt for a duplex in Florida, half for me and half for my mom to live in who me and my siblings financially support. So you can imagine in this housing market competing with mostly investors is incredibly difficult but trying my best! Seems like I’ll be able to purchase one in the $550-600k range. 

This would be my first time home purchase, but I don’t have enough cash for a 15%+ down payment. I know with FHA loan I can do minimum 3.5% but max loan amount is $420k in this area using that loan type so need to do conventional which requires minimum 15% down. 

I currently have about $60-70k or let’s say 10% of the purchase price liquid/able to quickly make liquid. Then I also need cash for closing, moving and the little things that add up! I’m expecting to need $130-$180k.  

Here comes the leveraging home equity and second home part. My brother owns his home and with the market today has a fair amount of equity (let’s say $500k conservatively) 

He is willing to go in on the house with me since we are doing this to have a stable place for our mom to live. But how the heck do we leverage that equity?? My google searches have led me to understand a HELOC might be the option? But for the life of my I cannot understand how they are paid back and how accessing this $ works. I swear it just does not register. If someone can explain to me like I’m 5 how we can take advantage of his equity, and how paying this all back works so I can make an informed choice I’d be eternally grateful. 

I’m sure the answer to all of this is on google, but my combination of search terms is leaving me more confused and less answers.Headaches are the single most common symptom after a significant head injury. Headaches occur in 30-50% of patients after concussion. Many symptoms disappear after a few days, but a surprising number of victims suffer for months and years after an accident.
So what does an eye doctor have to say about headaches?
Headaches can significantly interfere with visual function. For example, headaches can limit computer use. Computer screens test the limits of normal individuals- it is clear that prolonged viewing causes eye strain and headaches. But after severe whiplash or head trauma, headaches can become disabling.
The reality of most people’s world is that it is hugely dependent on a computer screen. If an individual experiences painful headaches, work cannot get done, income is lost.
Patients with headaches often experience eye pain. And eye pain must be investigated by an ophthalmologist to make sure there is no internal eye disease. The eyes and brain are so close together that patients often have a hard time distinguishing between headaches and eye pain. Often trauma involves direct impact with the bones around the eye, and can cause orbital fractures (the orbit is the tissue and structures surrounding the eye). The orbit tends to cushion a blow to the eye and protect the eyeball.
Injury to these structures can cause pain and need to be reviewed by an ophthalmologist with experience in dealing with orbital trauma. A CT scan or MRI scan of the orbits may be necessary to evaluate eye pain after trauma. Broken bones around the eye can often be hidden but clinically important.
Patients with head trauma are frequently referred to neurologists, chiropractors, and pain management specialists for treatment and evaluation of headaches. Why are ophthalmologists left off the list of needed specialists? The truth is that most eye doctors are simply not interested and do not know how to take care of these head injury victims. My effort in writing these blogs is an effort to get my colleagues more involved, it’s not all cataracts and LASIK.
I specialize in the care of Traumatic Brain Injury (TBI) patients and TBI patients with headaches and eye pain. Other specialists clearly have their role in this management, but pain is a very real symptom after trauma and can be the most disabling.
Do these patients need special computer glasses to help manage the pain and strain of long hours of concentration?
I attempt to establish the new visual needs of a patient with chronic headaches- eye doctors are uniquely trained to manage these difficult cases. Most of these patients don’t have direct eye injuries, but a patient experiencing eye pain doesn’t know this- that victim can think he/she is going blind. A thorough eye exam can separate fact from fiction. Patients can be told they are not losing vision, they are not damaging their eyes if they continue to work through the pain. No other medical specialty can offer this reassurance. I believe a thorough eye exam should be part of the complete evaluation of any patient experiencing headaches or eye pain after head trauma.
Treatment of headaches can be difficult and frustrating, but other specialists deal with these patients on a daily basis. I believe eye doctors can do better.Mumbai, Nov 18 (UNI) The BSE Sensex on Thursday tanked 372.32 pts to close at 59,636.91 as selling was seen in Metal, Auto, Capital Goods and Realty stocks amid weak Asian Market.
The Nifty of National Stock Exchange (NSE) too fell by 133.85 pts at 17,764.80.
The Sensex registered days high and low at 60,177.52 and 59,376.50 pts respectively.
The Nifty recorded days high and low at 17,945.60 and 17,688.50 pts respectively.There is a lot of discussion nationally about “defunding” police departments and like everything else, this is usually taken out of context and distorted by those who think this means shutting down the police departments when actually it means “restructuring” the police departments.
This means taking some of the money they are spending on military style guns and equipment, and armored vehicles, and using the money to fund social service agencies and mental health workers who should be doing some of the work the police are not trained to do.
Perhaps this approach should be taken one step further: Don’t use the word “defund” but instead use the word “disarm.” The police in Great Britain do not carry guns. The only time they are armed is if they are assigned to do a special project that requires that they armed.
How many Native Americans in Rapid City would be alive today if the police did not carry guns? It is much too easy to pull a gun and shoot someone that to used common sense to address a tense situation.
Over the years Native men have been shot to death because they had a knife. Shot to death for holding a knife? Why did the police officer who pulled the trigger just use his baton (night stick) to knock the knife from the man’s hands?
The question must be asked: How many Native American police officers are serving on the Rapid City police or on the Pennington County Sheriff’s departments? Every police department in America that has increased its minority members significantly, especially in a community with a large minority population, has found that it makes a great big difference.
White officers learn a little bit about the culture of the minorities by working with them on a daily basis. Oftentimes they even form friendships with the Native partners.
The Girl Scouts is an incredible organization that turns young women into leaders. Becka Gately, one of these impressive young women, has always been involved in sports. Therefore, when it came time to choose a project for her Girl Scouts Gold Award, planning a health and fitness night in her community was a perfect fit. Becka established partnerships between the Kent School District, health organizations, and more than 40 volunteers, and she pulled off an event with more than 25 booths about nutrition, physical exercise, cardiovascular health, and more. Over 400 community members attended!
As a high school senior, Becka is involved with many extracurricular activities, including student government, National Honor Society, and DECA, a business leadership development program. She has a passion for business and helping her community, which she has had the opportunity to do through the Girl Scouts. Having been a Girl Scout since Kindergarten, Becka is no stranger to helping others and being a leader. Becka shares what she learned from the Girl Scouts, how she stayed organized when working on her project, and how she defines success. We’re so impressed with this ambitious young woman!
*The Girl Scouts Spotlight Series is an exclusive weekly Youth Spotlight on amazing young women who have earned their Gold Awards, the highest award that a Girl Scout can earn in the Girl Scout organization.
Name: Becka Gately
Education: Kentwood High School
Carpe Juvenis: How do you define “Seizing Your Youth”?
Becka Gately: I think “Seizing Your Youth” means taking every single possibility you have and taking advantage of it. Never in your life will you have the time or the freedom to join any group you want