Flagship Financial Celebrates The Holiday Season

Published on December 19, 2014 by

Happy Holidays

Flagship Financial employees and family are still talking about the company holiday party, which was held at the Alpine Country Club. Here’s a glimpse at some of the highlights from the night!

Flagship Financial Holiday Party 2014

Holiday Party Flagship Financial

Flagship Financial Christmas Party 2014

Holiday Party 2014 Flagship Financial

The dinner buffet was delicious, and featured Pesto Pasta Salad, London Broil and mouthwatering dessert. Flagship employees surprised owner Will Farrar with a birthday cake, and prizes from gift cards to a Hawaii vacation were given away.


19 Words And Phrases That Have Military Origins

Published on December 15, 2014 by

How many of these common words and phrases do you recognize?

Words And Phrases With Military Origins


1. Aloof

If a ship was heading towards a hazard, the captain would shout “steer aloof” to the helmsman. The windward quarter was called the “luff”.


2. Hot shot

This term refers to the practice of heating iron cannonballs, and then firing them from cannons.


3. Scuttlebutt

A cask for drinking water on a ship was called a “scuttlebutt”, and when men got together to relax and chat (gossip), the term eventually came to refer to the chit chat that ensued.


4. Run amok

What is now known as another way to say “go wild”, the phrase originally came from Southeast Asia and the Amuco warriors. In Voyages, 1772, Capt. James Cook had this to say about the term “run amok”:

“To run amock is to get drunk with opium… to sally forth from the house, kill the person or persons supposed to have injured the Amock, and any other person that attempts to impede his passage.”


5. Blockbuster

You’ve probably heard the word “blockbuster” in reference to a successful movie, but the term originated from an aerial bomb used in World War II, which was large enough to destroy an entire city block.


6. Slush fund

In the book Nelson’s Trafalgar, The Battle That Changed The World by author Roy Adkins, when fat was skimmed off the top of a pot of boiling meat, the “slush” was often sold to soap makers, and the revenue was put aside in a “slush fund”.


7. Three sheets to the wind

When a drunk’s clothing looked disheveled, with his shirt untucked, the flapping of his shirttails often made him look like a ship sailing unattended.


8. Murphy’s law

Murphy’s law states “If anything can go wrong, it will”, and the phrase was coined at Edwards Air Force Base in 1949. Legend has it that Capt. Edward A Murphy was commissioned on Air Force Project MX981. When he discovered a component was incorrectly wired, he said the following of  the technician responsible: “If there is any way to do it wrong, he’ll find it.”


9. S.O.S.

The distress telegraph signal “S.O.S.” was originally used by Germany in 1905, and soon became the standard distress signal worldwide under the second International Radiotelegraphic Convention in 1908.



Another phrase from World War II, FUBAR stands for [expletive] up beyond all recognition.


11. Avant-garde

This term comes from the French for “advance guard”, which was used to describe a group sent out ahead of the main troops to chart a course. The term is also used to describe those who are at the forefront of their field.


12. Full tilt

Running at “full tilt” refers to moving as fast as possible, and may have originated from the sport of jousting, when a knight tried to “tilt” another knight off his horse.


13. With flying colors

A ship’s flags are also known as its “colors”, so when a vessel returned to port, the crew could communicate their victory or defeat by flying certain flags on the mastheads.


14. Facing the music

One explanation of the phrase refers to a soldier facing the military band during an assembly.



This acronym stands for “Situation normal: all [expletive] up”.


16. Heard it through the grapevine

Telegraph wires were known as “grapevines” in the late 1800s, and during the Civil War, soldiers received news and information “through the grapevine”.


17. Bite the bullet

When traditional anesthetics were in short supply, field doctors often had no choice but to conduct medical procedures, like amputations, with only a bullet for the patient to bite down on.


18. Deadline

Civilwar.org references a line about 19 feet from the wall of a war prison that kept prisoners back, or face being shot by sentries.


19. Sideburns

The “sideburn” was named after American Civil War general Ambrose Burnside, who sported whiskers on his cheeks and a moustache, but was clean shaven on his chin.


How Many Of These Common PTSD Misconceptions Do You Believe?

Published on December 8, 2014 by


There are many reasons why someone can develop symptoms of Post-Traumatic Stress Disorder (PTSD). If you have experienced a traumatic event, such as the death of a loved one, experienced abuse or injury, witnessed violence, or have served in a combat zone, these events can sometimes lead to PTSD.

While there is certainly no “one size fits all” approach to treating those who suffer from PTSD, there are some common misconceptions and myths associated with the disorder. Here are the most common:


1. “PTSD only affects war veterans.”


Those who have served in a combat zone can develop symptoms of PTSD, but the disorder is not limited solely to members or veterans of the military.  According to the National Center for PTSD, about 60% of men and 50% of women will experience trauma during their lives, and 7-8% of the population will develop PTSD at some point. Read more facts about PTSD here.


2. “I can’t recover from PTSD, since I can’t remember the trauma.”


Often the specific memories of a traumatic event can fade over time, but therapists say the timespan shouldn’t necessarily prevent someone from seeking treatment.

In a 2009 article on cleveland.com, the issue of PTSD symptoms with World War II combat veterans was brought to light.

“They were told to get a job, raise a family and forget what happened — just move on,” said Dr. Edgardo Padin-Rivera, chief of psychology at Louis Stokes Veterans Affairs Medical Center in Brecksville, OH. “So many vets thought that if they didn’t think about it, didn’t talk about it, in time they’d get over it. A lot of what we get from them is that they’ve been suffering in silence over 60 years.”

It’s never too late to seek treatment for PTSD. If you are in crisis, there are some options for help:

The National Center for PTSD

Veterans Crisis Line

Suicide Prevention Lifeline

  • (800) 273-8255

The National Institute of Mental Health


3. “It’s too late to do anything for me.”

Symptoms of PTSD can be triggered by events in everyday life, and sometimes years can go by before these symptoms are manifested. The National Center for PTSD recommends seeking help, no matter how long ago the trauma was.

Use the VA’s PTSD Program Locator to find specialized PTSD programs in your state:


VA PTSD Program Locator (Click here.)


4. “Everyone suffers from some kind of PTSD.”

Anyone can develop PTSD, but not everyone develops it after a traumatic event.

According to the National Center for PTSD, over 50% of Americans will go through some type of trauma, but a small percentage of the population will actually develop PTSD.


5. “People with PTSD are unstable.”


Anger can be a natural response to trauma, but PTSD doesn’t necessarily create violent behavior. Learn more about how PTSD is diagnosed, and what you can do if you think you have PTSD.


6. “PTSD affects everyone who’s been in combat.”

Not everyone who has served in a combat zone is affected by PTSD, but war-time events can lead to PTSD. The National Center for PTSD says between 11-20% of Operation Enduring Freedom and Operation Iraqi Freedom Veterans have PTSD in a given year, and about 15 out of 100 Vietnam Veterans were diagnosed in the late 1980s.


7. “PTSD is either all or nothing.”


Since there are different ways people develop Post-Traumatic Stress Disorder, there are also varying degrees in which PTSD manifests symptoms. The Mayo Clinic lists a few of the symptoms here, including:

  • Distressing memories of the event
  • Avoiding talk or thoughts about the event
  • Emotional numbness
  • Trouble concentrating

and others. These symptoms, and others, can vary in intensity, and can be aggravated by certain events and stimuli. The Mayo Clinic gives specific recommendations about when to see a doctor and seek treatment.


8. “PTSD sufferers need medication, not therapy.”

There are various treatments available to those who suffer from PTSD. Click here to read about treatment basics from the VA website, including Cognitive Processing Therapy, Prolonged Exposure Therapy and more.

Watch the following video, which explains PTSD symptoms:


9. “You’ll never completely recover from PTSD.”

With treatment, you can learn ways to cope with negative feelings and thoughts, connect with others, and make sense of the trauma itself.

The National Center for PTSD has a website called About Face, which features stories from Veterans who live with PTSD, and gives information about treatment options. Click the following link to visit About Face: http://www.ptsd.va.gov/apps/AboutFace/


10. “PTSD only affects people of a certain age.”

Post-Traumatic Stress Disorder can affect any age group, including those who have suffered traumatic events in war, violence, abuse, terrorism and natural disasters. Click the following Play button to learn more about PTSD and its symptoms:



11. “PTSD is untreatable.”

Research from the PTSD Center suggests certain therapies and medications can give people better outcomes, over those who receive no treatments at all.


12. “Recovering from PTSD just takes time.”


It does take time to recover from a traumatic event, but time alone won’t be enough to fully recover. PTSD can affect your relationships, your work and your life in general, so it’s important to seek out treatment options and support. Learn more about common treatment myths here.


13. “Symptoms of PTSD always develop immediately after a traumatic event.”

The Mayo Clinic suggests PTSD symptoms can begin within 3 months of the traumatic event, but could even take years to develop. Here are the evaluations doctors tend to perform when examining potential PTSD cases.

Talk to your doctor if you experience any of the following signs:

  • Reliving experiences of the traumatic event
  • Emotional distress when reminded about the event
  • Upsetting dreams about the event

Click here to view other signs and symptoms.


14. “PTSD is a sign of weakness.”


While the reasons PTSD can affect some people are unclear, what is clear is that PTSD has nothing to do with a person’s internal or external strength.

The Mayo Clinic gives examples of how to progress, once a person is diagnosed with Post-Traumatic Stress Disorder:

  • Follow through with your treatment plan
  • Learn more about PTSD
  • Talk with someone
  • Don’t self-medicate
  • Get enough sleep, eat healthy and exercise
  • Consider joining a support group

and others.

Top 14 VA Loan Myths And Misconceptions Revealed

Published on December 1, 2014 by

Have you hard of some of these common misconceptions about VA home loans? This type of loan is a great benefit to those who have served in the military, and more than $911 billion dollars in funding have been guaranteed by the Dept. of Veterans Affairs since 1944.


Here are 15 of the most common misconceptions and myths about the VA home loan benefits:


Myth #1: “You only have one chance to use a VA home loan benefit.”

Reality: In some cases, you can use the benefit again to purchase another property, as long as you have paid off your previous VA loan. Find out more here.


Myth #2: “VA loans are risky.”

Reality: Data from the Mortgage Bankers Association indicates that the opposite is true, because VA loans are at the lowest delinquency rates since the 1980s. Learn more here.


Myth #3: “You can’t buy a short-sale or foreclosure property with a VA loan.”

Reality: You can purchase a foreclosed or short-sale property, as long as it meets the VA’s minimum property requirements. Read up on the guidelines here.


Myth #4: “Foreclosure and bankruptcy are going to bar you from getting a VA loan.”

If you had a bankruptcy or foreclosure impact your credit rating, don’t rule out a VA loan completely. Contact an expert at VA Mortgage Leader to discuss your options.


Myth #5: “You’ll need a big down payment for a for a VA loan.”

Typically, you can obtain a VA home loan with no down payment, and no monthly mortgage insurance obligation. Here’s more information.


Myth #6: “VA loans require a perfect credit score.”

While there is no minimum credit score requirement, each lender must make their loan decision based on the entire loan profile. Get the details here.


Myth #7: “Widows and widowers are not eligible for a VA loan.”

If you are an unmarried, surviving spouse of a veteran who died while on active duty, you may be eligible for a VA home loan benefit. Find out more about VA eligibility here.


Myth #8: “You need to occupy the property to get a VA loan.”

Those serving overseas on active duty can obtain a VA home loan if they plan on occupying the property within one year, or their spouse will plan on occupying the property. Here are more facts.


Myth #9: “Members of the National Guard or Reserves are not eligible for a VA loan.”

If you serve in the Reserve or National Guard, you may qualify for a VA home loan if you meet certain requirements. Check the details here.


Myth #10: “VA loans are only open to retired or discharged veterans.”

Not only can former servicemen and women qualify for a VA home loan benefit, but active service members can too. Here are the guidelines.


Myth #11: “Qualifying for a VA loan is a difficult process.”

The U.S. Department of Veterans Affairs (VA) explains the process of qualifying for a VA home loan benefit. The VA home loan program provides a less stringent qualification process for veterans who may not have qualified for other home loan options. Here is more information.


Myth #12: “It can take a long time for your VA loan to close.”

There are certain factors that could affect the time it takes to close on a VA home loan benefit, but with preparation and the proper documents, the timeline could happen within 30 days. Make sure you work with a lender who deals with VA home loans, like Flagship Financial.


Myth #13: “VA loans are small.”

While there are no limits to the size of the loan, there are limits on the liability that the VA will assume, which also depend on the county. Click here for a full list of loan limits by county.


Myth #14: “You can only purchase a home with a VA loan.”

VA loan financing can be used to purchase a home, repair or improve an existing home, or purchase a lot. Click here to view the benefits of a VA home loan.



Ready to start your journey to home ownership?

Talk with a Flagship Financial specialist today!

17 Professional Athletes Who Served In The Military

Published on November 24, 2014 by


How many of these athletes do you recognize?


1. Art Donovan Jr., Indianapolis Colts (United States Marine Corps)

Art Donovan


2. Bob Feller, Cleveland Indians (United States Navy)



3. Cecil Travis, Washington Senators (United States Army)

Cecil Travis


4. David Robinson, San Antonio Spurs (United States Navy)


5. Hobey Baker, College Football, Hockey (United States Army)

Hobey Baker


6. Jack Lummus, New York Giants (United States Marine Corps Reserve)


7. Jackie Robinson, Brooklyn Dodgers (United States Army)


8. Jerry Coleman, New York Yankees (United States Marine Corps)

Jerry Coleman

Licensed under Public domain via Wikimedia Commons.


9. Jesse Ventura, Wrestling (United States Navy)


10. Joe DiMaggio, New York Yankees (United States Army Air Forces)

Joe DiMaggio

Prelinger Archives


11. Joe Louis, Boxer, Golfer (United States Army)


12. Pat Tillman, Arizona Cardinals (Army Ranger)


13. Rocky Bleier, Pittsburgh Steelers (United States Army)


14. Roger Staubach, Dallas Cowboys (United States Navy)

Roger Staubach


15. Shauna Rohbock, Soccer, Olympic Bobsled (Utah Army National Guard)


16. Ted Williams, Boston Red Sox (United States Marine Corps)

Ted Williams


17. Yogi Berra, New York Yankees (United States Navy)

Yogi Berra

140 Celebrities Who Served In The Military

Published on November 19, 2014 by

Here’s a look at some familiar actors, actresses and musicians who have served in the military. From Chuck Norris to Wilford Brimley, these are the familiar faces who served their country.

1. Adam Driver (United States Marine Corps.)

A photo posted by rag & bone (@rag_bone) on

2. Alan Alda (United States Army Reserve)

3. Aldo Ray (United States Navy)

4. Art Carney (United States Army)

5. Audie Murphy (United States Army)

6. Bea Arthur (United States Marine Corps)

7. Berry Gordy (United States Army)

8. Bill Bixby (United States Army)

9. Bill Cosby (United States Navy)

10. Blake Clark (United States Army)

11. Bob Crane (Connecticut Army National Guard)

12. Bob Keeshan (United States Marine Corps Reserve)

13. Bob Newhart (United States Army)

14. Brian Dennehy (United States Marine Corps)

15. Bob Gunton (United States Army)

16. Buck Taylor (United States Navy)

17. Germaine Williams (United States Army)

18. Charles Bronson (United States Army)

19. Charles Durning (United States Army)

20. Charles Napier (United States Army)

21. Charlie Callas (United States Army)

22. Charlton Heston (United States Army Air Forces)

23. Chuck Connors (United States Army)

24. Chuck Norris (United States Air Force)

Chuck Norris

Department of Defense photo by Sergeant Alicia J. Brito, U.S. Marine Corps.

25. Clark Gable (United States Army Air Forces)

26. Clifton James (United States Army)

27. Clint Eastwood (United States Army)

28. Dabney Coleman (United States Army)

29. Dan Blocker (United States Army)

30. Danny Aiello (United States Army)

31. Dave Thomas (United States Army)

32. Dean Jones (United States Navy)

33. Dennis Franz (United States Army)

34. Don Adams (United States Marine Corps)

35. Don Knotts (United States Marine Corps)

36. Don Rickles (United States Navy)

37. Dr. Seuss (United States Army)

38. Drew Carey (United States Marine Corps)

39. Earl Holliman (United States Navy)

40. Ed McMahon (United States Marine Corps)

41. Eddie Albert (United States Navy)

42. Elvis Presley (United States Army)

43. Ernest Borgnine (United States Navy)

44. Ernie Hudson (United States Marine Corps)

45. Fred Gwynne (United States Navy)

46. Fred Ward (United States Air Force)

47. Fred Willard (United States Army)

48. Freddy Fender (United States Marine Corps)

49. Gavin MacLeod (United States Air Force)

50. Gene Hackman (United States Marine Corps)

51. Gene Wilder (United States Army)

52. George Carlin (United States Air Force)

53. George Jones (United States Marine Corps)

54. Hal Linden (United States Army)

55. Harry Belafonte (United States Navy)

56. Harry Carey Jr. (United States Navy)

57. Harry Dean Stanton (United States Navy)

58. Harvey Korman (United States Navy)

59. Henry Fonda (United States Navy)

60. Hugh Hefner (United States Army)

61. Humphrey Bogart (United States Navy)

62. Ice-T (United States Army)

A photo posted by icemft (@icet) on

63. J.R. Martinez (United States Army)

64. Jack Kerouac (United States Navy)

65. Jack Klugman (United States Army)

66. Jack Warden (United States Army)

67. James Arness (United States Army)

68. James Avery (United States Navy)

69. James Earl Jones (United States Army)

70. James Garner (United States Army)

71. James Hampton (United States Army)

72. Jamey Johnson (United States Marine Corps Reserve)

73. Jamie Farr (United States Army)

74. Jerry Mathers (United States Air Force Reserve)

75. Jesse Ventura (United States Navy)

76. Jimi Hendrix (United States Army)
Jimi Hendrix

77. Jimmy Stewart (United States Air Force Reserve)

78. John Amos (New Jersey National Guard)

79. John Fogerty (United States Army Reserve)

80. John Hillerman (United States Air Force)

81. Johnny Carson (United States Navy)

82. Johnny Cash (United States Air Force)

83. Jonathan Winters (United States Marine Corps)

84. Joseph Bologna (United States Army)

85. Kirk Douglas (United States Navy)

86. Larry Storch (United States Navy)

87. Lee Marvin (United States Marine Corps)

88. Lee Van Cleef (United States Navy)

89. Leonard Nimoy (United States Army)

A photo posted by Leonard Nimoy (@therealnimoy) on

90. M.C. Hammer (United States Navy)

91. Marvin Gaye (United States Air Force)

92. Mel Brooks (United States Army)

93. Mike Farrell (United States Marine Corps)

94. Montel Williams (United States Marine Corps)

95. Morgan Freeman (United States Air Force)

96. Moses Gunn (United States Army)

97. Mr. T (United States Army)

98. Nate Dogg (United States Marine Corps)

99. Neville Brand (Illinois Army National Guard, United States Army)

100. Oliver Stone (United States Army)

101. Pat Hingle (United States Navy)

102. Pat Sajak (United States Army)

103. Paul Newman (United States Navy)

104. Randy Couture (United States Army)

A photo posted by Randy Couture (@xcnatch) on

105. Richard Kline (United States Army)

106. Richard Pryor (United States Army)

107. Robert Duvall (United States Army)

108. Robert Loggia (United States Army)

109. Robert Montgomery (United States Navy)

110. Robert Stack (United States Navy)

111. Rock Hudson (United States Navy)

112. Rod Serling (United States Army)

113. Rod Steiger (United States Navy)

114. Roy Scheider (United States Air Force)

115. Shaggy (United States Marine Corps)

A photo posted by Shaggy Aka Mr Boombastic OD (@direalshaggy) on

116. Sherman Hemsley (United States Air Force)

117. Sidney Poitier (United States Army)

118. Sinbad (United States Air Force)

119. Soupy Sales (United States Navy)

120. Spencer Tracy (United States Navy)

121. Sterling Hayden (United States Marine Corps)

122. Steve Kanaly (United States Army)

123. Steve McQueen (United States Marine Corps)

124. Stuart Whitman (United States Army)

125. Ted Knight (United States Army)

126. Telly Savalas (United States Army)

127. Terence Trent D’Arby (United States Army)

128. Tom Selleck (California Army National Guard)

129. Tony Bennett (United States Army)

130. Tony Curtis (United States Navy)

131. Tucker Smallwood (United States Army)

132. Tyrone Power (United States Marine Corps)

133. Vincent Pastore (United States Navy)

134. Walter Brennan (United States Army)

135. Wayne Morris (United States Navy)

136. Wayne Rogers (United States navy)

137. Wes Studi (United States Army)

138. Wilford Brimley (United States Marine Corps)

139. William Sanderson (United States Army)

140. Willie Nelson (United States Air Force)

Flagship Financial To Honor Veteran’s Day By Paying Vet’s Mortgage

Published on November 14, 2014 by


Flagship Financial honors the brave men and women who served our country, and this Veteran’s Day we’re paying the mortgage of Specialist David Cline for the next year.

It’s our way of saying thank you.

Entrance Fees To National Parks Waived For Veterans Day

Published on November 10, 2014 by


From the Grand Canyon to the Statue of Liberty, America’s landmarks serve as icons of American freedom for those who are stationed overseas, and many of our country’s national parks exist to honor our veterans and represent the freedoms those veterans protected.

On Veterans Day, November 11, 2014, the National Park Service will waive the entrance fees, so get out and enjoy all that America’s national parks have to offer.


Here is a list of national parks and national cemeteries that commemorate the sacrifice of those who have served:

American Revolution
Boston National Historical Park
Fort Moultrie National Monument
George Rogers Clark National Historical Park
Independence National Historical Park
Minute Man National Historical Park
Morristown National Historical Park
Overmountain Victory National Historic Trail
Timucuan Ecological and Historic Preserve (Thomas Creek Battle Site)
Cowpens National Battlefield
Fort Stanwix National Monument
Guilford Courthouse National Military Park
Kings Mountain National Military Park
Moores Creek National Battlefield
Ninety Six National Historic Site
Saratoga National Historical Park
Valley Forge National Historical Park
The War of 1812
Castle Clinton National Monument
Fort McHenry National Monument & Historic Shrine
Chalmette Battlefield (Jean Lafitte National Historical Park)
Perry’s Victory & International Peace Memorial
Horseshoe Bend National Military Park
The Mexican-American War
Fort Scott National Historic Site
Palo Alto Battlefield National Historic Site
The American Civil War
African American Civil War Memorial
Antietam National Battlefield
Arkansas Post National Memorial
Brices Crossroads National Battlefield Site
Civil War Defenses of Washington
Fort Donelson National Battlefield
Fort Pulaski National Monument
Fort Washington Park
Gettysburg National Military Park
Kennesaw Mountain
National Battlefield Park
Monocacy National Battlefield
Petersburg National Battlefield
Shiloh National Military Park
Tupelo National Battlefield
Wilson’s Creek National Battlefield
Andersonville National Historic Site
Appomattox Court House National Historical Park
Arlington House, The Robert E. Lee Memorial
Cedar Creek & Belle Grove National Historical Park
Chickamauga and Chattanooga National Military Park
Fort Monroe National Monument
Fort Sumter National Monument
Fredericksburg & Spotsylvania National Military Park
Harpers Ferry National Historical Park
Manassas National Battlefield Park
Pea Ridge National Military Park
Richmond National Battlefield Park
Stones River National Battlefield
Vicksburg National Military Park
The American Indian Wars
Bent’s Old Fort National Historic Site
Fort Bowie National Historic Site
Fort Laramie National Historic Site
Fort Scott National Historic Site
Fort Union National Monument
Little Bighorn Battlefield National Monument
Sand Creek Massacre National Historic Site
Big Hole National Battlefield
Fort Davis National Historic Site
Fort Larned National Historic Site
Fort Smith National Historic Site
Fort Point National Historic Site
Nez Perce National Historical Park
Washita Battlefield National Historic Site
World War II
Aleutian World War II National Historic Area
National World War II Memorial
Fort Point National Historic Site
Rosie the Riveter WWII Home Front National Historical Park
World War II Valor in the Pacific National Monument
American Memorial Park
Cabrillo National Monument
Port Chicago Naval Magazine National Memorial
War in the Pacific National Historical Park
The Cold War
Minuteman Missile National Historic Site
Korean War
Korean War Veterans Memorial
War in Vietnam
Vietnam Veterans Memorial
National Cemeteries (Administered by the National Park Service)
Andersonville National Cemetery
Antietam National Cemetery
Chalmette National Cemetery
Fort Donelson National Cemetery
Gettysburg National Cemetery
Shiloh National Cemetery
Vicksburg National Cemetery
Andrew Johnson National Cemetery
Battleground National Cemetery
Custer National Cemetery
Fredericksburg National Cemetery
Poplar Grove National Cemetery
Stones River National Cemetery
Yorktown National Cemetery
The French & Indian War
Fort Necessity National Battlefield


Here is the complete list of national parks:

Denali National Park and Preserve
Gates of the Arctic National Park
Glacier Bay National Park
Katmai National Park and Preserve
Kenai Fjords National Park
Kobuk Valley National Park
Lake Clark National Park
American Samoa
National Park of American Samoa
Grand Canyon National Park
Petrified Forest National Park
Saguaro National Park
Hot Springs National Park
Channel Islands National Park
Death Valley National Park
Joshua Tree National Park
Kings Canyon National Park
Lassen Volcanic National Park
Redwood National Park
Sequoia National Park
Yosemite National Park
Black Canyon of the Gunnison National Park
Great Sand Dunes National Park and Preserve
Mesa Verde National Park
Rocky Mountain National Park
Biscayne National Park
Dry Tortugas National Park
Everglades National Park
Hawaii Volcanoes National Park
Haleakalā National Park
Mammoth Cave National Park
Acadia National Park
Isle Royale National Park
Voyageurs National Park
Glacier National Park
Great Basin National Park
New Mexico
Carlsbad Caverns National Park
North Carolina
Great Smoky Mountains National Park
North Dakota
Theodore Roosevelt National Park
Cuyahoga Valley National Park
Crater Lake National Park
South Carolina
Congaree National Park
South Dakota
Badlands National Park
Wind Cave National Park
Great Smoky Mountains National Park
Big Bend National Park
Guadalupe Mountains National Park
United States Virgin Islands
Virgin Islands National Park
Arches National Park
Bryce Canyon National Park
Canyonlands National Park
Capitol Reef National Park
Zion National Park
Shenandoah National Park
Mount Rainier National Park
North Cascades National Park
Olympic National Park
Grand Teton National Park
Yellowstone National Park

21 Veterans Day Freebies And Deals You Should Definitely Know About

Published on November 8, 2014 by

American Flag


Tuesday, November 11 is Veteran’s Day, and Americans across the country will take time to honor and recognize those who have served our country. Here is a list of businesses that are planning to offer deals and discounts on or around Veteran’s Day 2014. Call the location ahead of time to verify they are participating in the specific offer.



1. California Pizza Kitchen – Veterans and active military can receive a free entrée, including a BBQ Chicken pizza, Thai Crunch salad or other options. http://bit.ly/1GysjuJ

2. Olive Garden – Active duty military and veterans can enjoy a free entrée from a limited menu. https://www.facebook.com/OliveGarden/photos/a.100767561804.99618.18618646804/10152377348916805/?type=1

3. Village Inn – Get your choice of a free breakfast, including buttermilk pancakes, three slices of French toast or a Belgian waffle. http://bit.ly/1vVP8QA

4. IHOP – Veterans and active military personnel can receive a free stack of Red, White and Blue pancakes at participating locations. http://www.ihop.com/

5. Red Lobster – Pick out a free appetizer at participating Red Lobster locations. Valid for active duty, reserve and military veterans.

6. Dennys – All active duty, veterans and non-active military personnel get a free Build Your Own Grand Slam from 5 a.m. to noon at all Denny’s locations. http://dennys.com/

7. Texas Roadhouse – Free lunch for active, retired and former military personnel. http://www.texasroadhouse.com/landing-pages/veterans-day-2014

8. TGI Fridays – All veterans can receive free lunch from 11 a.m. to 2 p.m. at participating TGI Fridays locations. http://www.tgifridays.com/

9. Red Robin – How about a free Red’s Tavern Double burger and Bottomless steak fries for all veterans and active duty military. Participating locations only. http://www.redrobin.com/veteransday

10. Starbucks – Get a free, tall brewed coffee for active duty, veterans and their spouses at participating locations. http://www.starbucks.com/

11. Perkins – Active military, veterans and retired personnel can get a free Magnificent Seven meal at participating restaurant locations. Doesn’t include beverages. http://www.perkinsrestaurants.com/

12. Outback Steakhouse – Grab a free Bloomin’ Onion and drink. Available for veterans, retired military and active duty personnel. http://www.outback.com/troops

13. Golden Corral – All military retirees, reserves and veterans can get a free meal and beverage. http://www.goldencorral.com/military/

14. Chilis – Choose a free meal at participating Chili’s if you are a veteran or active military.

15. Krispy Kreme – Head into participating locations to get a free doughnut and coffee. http://www.krispykreme.com/VeteransDay

16. Famous Dave’s – Free meals for veterans between 11 a.m. and 4:30 p.m. at participating locations. http://www.famousdaves.com/veterans-day-2014

17. Einstein Bros. Bagels – Grab a free coffee from participating locations.

18. Applebees – Veterans can choose a free meal from a limited Veterans Day menu. http://www.applebees.com/veteransdaymenu



19. JCPenney – Receive an extra 20% off. Offer includes active duty, veterans, reserves, guard and family members. http://www.jcpenney.com/military

20. Bed Bath and Beyond – Get 20% entire purchase in the store. http://www.bedbathandbeyond.com/store/static/veteransday2014/

21. Great Clips – Customers who stop at a Great Clips location for a service can receive a free haircut card to give to a veteran. http://www.greatclips.com/promotions/veterans-day

Real Estate Lingo Defined : Tax and Insurance Escrow

Published on December 8, 2011 by

Escrow taxes and insurance

Every homeowner has agreed and contracted to a great financial responsibility when purchasing a home. The fiscal responsibilities go much further then simply making your mortgage payment. Additionally you are required to pay real estate taxes as well as insurance premiums.

Failing to pay your taxes or insurance premiums may result in huge penalties including foreclosure and violating your mortgage agreement. There are primarily two ways which homeowners pay their taxes and insurance bills.

One straight forward way is to pay the bills as they come due. Often it's annually or semi-annually. Depending on your home and where you live the bills could be quite a bit and may require special consideration for budgeting your money to cover the costs.

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The other very popular option and very simple is to simply “escrow” your payments. Your lender has the right to pay you bills for you and will do so by collecting your insurance and taxes at a even monthly payment. Many mortgages will also require that your taxes and insurance are collected in a separate escrow account to ensure that your responsibilities are met.

Your escrow payment will be in addition to your mortgage payment that only includes principle and interest. If you have any questions simply ask your loan officer or your bank if you've already closed on your loan about setting up an escrow account to simply your budget and funds.

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