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Osceola news-gazette
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STANDARD VIEW MARC VIEW
Permanent Link: http://ufdc.ufl.edu/UF00028318/00763
 Material Information
Title: Osceola news-gazette
Portion of title: Osceola news gazette
Running title: News-gazette
Physical Description: Newspaper
Language: English
Publisher: Westminster Publications
Place of Publication: Kissimmee Fla
Publication Date: 03-08-2012
Frequency: semiweekly
 Subjects
Subjects / Keywords: Newspapers -- Kissimmee (Fla.)   ( lcsh )
Newspapers -- Osceola County (Fla.)   ( lcsh )
Genre: newspaper   ( sobekcm )
newspaper   ( marcgt )
Spatial Coverage: United States -- Florida -- Osceola -- Kissimmee
Coordinates: 28.303889 x -81.412778 ( Place of Publication )
 Notes
Additional Physical Form: Also available on microfilm from the University of Florida.
Dates or Sequential Designation: July 6, 1989-
 Record Information
Source Institution: University of Florida
Rights Management: All rights reserved by the source institution and holding location.
Resource Identifier: aleph - 002042455
oclc - 24876452
notis - AKN0319
lccn - sn 91003805
issn - 1060-1244
System ID: UF00028318:00763
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Preceded by: News-gazette (Kissimmee, Fla.)

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EveryyeartheFloridaLegislatureiscalled intosessiontodoonething:passthestate's annualbudget.Weconsideraplethoraofbills duringour60-daysession,butthestateconstitutiononlymandatesthepassageofone:a balancedbudget,intheformofanappropriationsbill. TheSenate'stopofficersmadeitclearearly onthattheydidnotwanttopassabudgetby thesession'sMarch9scheduledclose.But holdingouthopeforarosiereconomicforecast isnoreasontostall.Despitecontinuedtalkofa delay,theSenateappearedtobeactingingood faithwhenwefinallytookupthebudget. Eventhe12SenateDemocratswhohave littlepowertoaffecttheoutcomeseemedto givetacitapprovaltowhattheSenatebudget chairputforward.Asathankyou,36outof39 amendments,appropriatingmillionsofdollars, wereadoptedwithoutobjection,mostofwhich werememberprojects,betterknownatthe federallevelasearmarks. Earlierinsession,duringabrutaldebate, senatorswerechastisedforopposingaplan toprivatizestateprisons,whichleadership claimedwouldsavethestate$16.5millionan optimisticandunsupported estimate.Thesavings,ifrealized,didnotseemsignificant inacorrectionsbudgetof morethan$2billion.Senatorsweretold,withoutthe savings,fundingwouldbecut forcrucialprogramssuchas neonatalcareandeducation. Duringthebudgetday, afterpreviouslybeingtoldthat penniesmustbecountedin thistightbudgetyear,more than$8millionoftaxpayer dollarsweredoledoutwith littletonodebatehardlyapenny-counting exercise. Amongthethank-yougifts:$150,000for ahistoriclogcabininBiscaynePark,$75,000 foraHaitianHeritageMuseum,$500,000 foraBayofPigsMuseumand$1millionfor aRegattaSportsCenterinSarasota.Andthis additionalspendingoccurreddespitethefact thatthecritical$16.5-millionprisonprivatizationsavingswasnotfactoredin. Budgetconformingbillswerealsopassed, 38inall,including13billswithnolanguageat allonthem.That'sright,blankbills,likeblank checks,thattopSenateofficialscanfillinwith anyoftheirtoppriorities. Lastyear,conformingbillswereusedto trytobullytheDepartmentofCitrus,toallow bingoslotsatpari-mutuels,togutfundingand authorityforwatermanagementdistrictsand todissolvetheCorrectionalMedicalAuthority. The2011sessioncametoahaltoverconformingbillsthathadnotbeenthroughthecommitteeprocess,andhereweareagaindoingthe verysamething.Whatcouldenduponthese? Prisonprivatization,whichtheSenatealready defeated?Amajornewhighwaythatwould benefitthebudgetchair?Changestoemployee benefitsorpensionplans? NowthattheHouseandSenatehaveeach passedtheirversionofthebudgetandtheir conformingbills,thetwochambersmustnow conferencetoresolvedifferencesbetween theHouse's$69.2billionandtheSenate's $71.2billionspendingplans.Thisconference processiswheremostofthechicanerytakes place. Legislativeleaderstouttransparency,but muchoftheprocessisscriptedbyaveryfew individualsbeforethemeeting.Behindclosed doors,egosandpersonalagendastrumpsound policyandfiscalresponsibility.Toomuch powerisentrustedinthehandsoftoofew. AsIpreparetofinishmyfinalyearin theFloridaLegislature,Iofferthisadvice:In thepursuitofgoodgovernment,thegreatest changeneededistodecentralizethewaythe statebudgetiscrafted,restoredecision-making backtothesubcommittees,limittheuseof conformingbillsandtrulymaketheprocess transparent. PaulaDockeryisaterm-limitedRepublicansenatorfromLakelandwhois chroniclingherfinalyearintheFlorida Senate.Shecanbereachedatpdockery@ floridavoices.com. OPINION OPINION OSCEOLANEWS-GAZETTEPublisher/AdDirector TOMKIRK Editor MARVING.CORTNER AssistantEditor BRIANMcBRIDE SportsEditor RICKPEDONE LifestylesEditor PETERCOVINO ChiefPhotographer ANDREWSULLIVAN ProductionManager STEVEKRAUS CirculationManager KATHYBECKHAM(USPSNumber513540) (ISSN1060-1244)PublishedeachThursday andSaturdayfor$52peryear,bySun PublicationsofFlorida.Allrightsreserved. Periodicalspostage paid at Kissimmee, FL. Postmaster:Sendaddresschanges to: OsceolaNews-Gazette,108ChurchSt., Kissimmee,FL34741. TheOsceolaNews-Gazetteispublishedby SunPublications,adivisionofIndependent Publications.Phone407-846-7600. Fax407-846-8516.Emailatnews@ osceolanewsgazette.com.TheOsceola News-GazetteisontheWorldWideWebat: www.aroundosceola.com.Year113No.19 Yourview Paula DockeryFlorida senator Statebudgetreflectsearmarks,egosandexcess nfb btn ftffntrtbtfr ftfr tb tb

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nfb btn ftffntrtbtfr ftfr fffbt rnn$* (!' $& !!*(nnn ""#!"&!" fnnrf tbfbbrfnf %8,+#*559,78;(02()2, 0-9489(22(90548",6(078 Cent er for Medical Weight Loss of rlando 4125 Hunters ParkLane, Suite 117 Orlando, Flo rida 32837407-480-3339 407-480-3339 Weightlossfroma MedicalPerspective MedicalWeightLoss of Or lando oers: Safe E ectiv e Results I lost 24 poundsand re gainedmyenerg y and normaliz ed mybloo d pressure C.Anna Delivered by our board cer tied p hysi cian s ina warm caring environment. Our ph ysicianshave specializedtraining in bariatric medicineandareable to customize plans based on your medical needs,hormonal balanc e, unique metabolism an dnutritional requirements.40124 US Hwy 27, Suite 205 Dave npor t, Flo rida 33837 &&#"" $# trbtbbtfffntfbntfbfnnntnt fnbttr"$-#(('-&"&!rt!#$ %!#%%%#$ #! $#!# $$#t!$#&), !,) f*" br!,t)&" )n, r)!& "&!b+ # f f fbtr nn$* ( !'$& !!*(nnn !"\013tfnnb ,3),7 # btfbntb !"f(4+"&!<09/<7(6(75:4+ *(7,5--,7,+',5--,7fr+(>8 <09/6(79903,(4+-:22903,/5:78 -753(36354+(>70+(> 7(*,/(8),,48,2,*9,+(8(4,=67,88 ,475223,49*,49,7 rr,) t) ,& f&)!) tr%)!,&%r *)%'!""!"" &,%r&&%&),%)r%& %r-)%%)"ttn38/6/(2(9,28,"738+f',(7,25*(9,+n)25*179/5-n 549/,*574,75-5:080(4((4+n9/#97,,9 $"#$! nfnnrtrntbfbb+5:)2, 5**6"b$97(486579(905495=0#-753>5:7(7,( f./989,2(**5335+(90548(936,70(2!(2(*, tt7,,!2(>f7,,:--,9)7,(1-(89 9,2$(=,8(..(.,(4+204.04*2:+,+ 42>n*(80456,7+(>;0809,+ ,6(7989/,f7+#:4+(>5-,(*/3549/fr frtb ffbnffnnftftbrn """nntr nbttntfr //+b&.--"t)", f3(22,";09(/2:2,5*.35,3-5(4.,5 n#!!$&&&n,&.%r+/)&.%&//! & /%'*/ ! bntrfftbn !()/,6%(**/2,t'5rbb'56tnbb n2+"(785+(;,(*.1327.tn41t41nfnrt7."75,,7"738+f fbbff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b '$/1.)$"3$6.2/(3 + -#1$$3 -#(-&".-2(232.% //1.7(, 3$+8tnbbb .%,$1&$-"8.., -#fbbb.%$6.2/(3 + 13'6.1*43(+(3($2 -#".-"1$3$ %.4-# 3(.-2' 5$ +1$ #8!$$-/1."41$#%.13'(2/1.)$"3$$(# "* &$+(23!$+.6.1 ++.3'$11$, (-(-&!(#/ "* &$2!(##(-& 33'(23(,$ )2/8 .-# 8 1"'tnnbtn nbb/,:fbb/, )2/;/ /1(-&'(++4(3$2 11(.33 9$+3(-$ ++1.., rn 9$+3(-$ 3(.+(5$ + -#.+.1(# nnn &/7+38381.%+-5+1/<38-6>./ )"-"&$-b#"%' &&-&#"%+' -'%$%##"t!$$%##"-$%+%$%##"-n-t##%&%!&r%*%f &&f ,"-t%+* -#(&' b "&##%"-r% -"' #)%"&$ '&-""&-'#"%#''#"-"&'%('-n )'#%&-%%#''#"" (!"-n '% -b#!!("'#"&b "%$&(#(#$( .<<2+66,/;/-/3?/.38&9,38<"9;=98<#+<2?366/9003-/896+=/;=2+8(2>;<.+A"+;-2 fnf,Afnn:b7b/8=;+6=37/tr:b7b+<=/;8=37/b ..9->7/8=<+;/+?+36+,6/ 09;A9>;377/.3+=/>6=+8=+=r +367//=+8.1;//=><+96b-97%6/+;/=9-98=+-=!+8-/,,+<89=/.+,9?/09;377/.3+=/+--/<<=9,3..9->7/8=8n572,88:8967,8,49*5:654=6fbfnbn tbtrtfnnbtbnfnbrtftb##"#"#$\003brftttfn rnftf fbf fbf ntt$ !frf ()208/,+ #04*,nttffnnbbrrrrf&'% ')-27(&!)-27($)-27()-27(&#%)123(&(%")98()-27(f)-27()-27(tnb)-27()-27()123(r)98()-27()-27( $ b b b f nf f bn rft t 6=*96;26*(6*67!*3 9(',&*=6*26&&6*26,276* 8?++67!26'=663:2&67< #',#*(367!76*9&6!&,6*2 !9276=*9262792(67!#367<63" 3*(/ #7!66M&6<726%(*;&" 6=*96*9&6**376=*9267< 29(6'*9(76-*26&33(6;!7 =*96*;.67667#'6;!(6=*9 (67!6<726*&&236'*37 *2#( 67*66,23362&3 3(76*976=6%3*(6;#776< r2:#/ b*&67<6<,27362*'6%" 3*(6;#776<6r2:#6#(67! 2&(*626(6#393367! '*37"*7(6*:2&**%67<6(" #736(6&###36*69(',&*=" '(76#',7#( 67<62792(3/ !*367*236#(&9 6<&6#(*'6f''" 267!767<&6#(*' #(&9362&69(',&*='(7 (#736-3776(#736:2=6= 377.6$*63:2(6,='(73 (676*2 #:(33/ 6#7!2;#( 627#2'(7 9(362&=62&=6;#7!2;&3 2*'6=*92627#2'(76,&(362 &3*67<&/66=*91269(267! 6*6)6(66!&6=*91&&6&3* *;66+?6,2(76,(&7=6*2 2&=6;#7!2;&367!*9 !67!2 266;6<,7#*(3639!63 ,=#( 6*26'#&6#(392( 726=*96&*376=*926$*/ 66*632!697#*(3 <,(336#27&=62&767* =*926$*632!6'=667< 97#&6#(&9#( 672:& <,(336*26 *#( 67*6#(72" :#;36239'6,,26,2#(7#( *3736&*( "#37(6&&36( <36,*37 636;&&636'&3 (6&* #( 6<,(33/6*96;#&& (67*6!**367*6#7'#>6*( =*9262792(67*6&#'67!3 97#*(3/66 66n;6$*697#*(36 =*96;26&67*6#(6(;6;*2% #(68?++69767!6,*3#7#*(6;3 '*267!(6?6'#&362*'6=*92 *&6$*6=*96'=66&67* &#'67!6<,(336*6'*:#( =*923&6=*926'#&=6=*926,73 (6=*926!*93!*&6 **36( ,23*(&6:!#&3/66t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r7736#(&9#( 68??6#(6&" '27637*23/ )74(rnfnrnfbntrr )80(b

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rfbfnbt tnfbrff ;t /+/@-=D C= -8(/@, 7/@87 8 & 78&A 8=@( &D(++-&D%7/1&(' +=B//"=& ,/8==7/@+ 8/, B =&=(-" 8=+/7( B= 7BD8/A 7=& 1=8(C D 1=/"" 7++D' "@/+/@-=D17/)' =4 r(++(/-8/"/++ 81 -= &D ,-%(-%&D7(++ -&D%7/1&(+(-8 /+ /@-=D-=&7/@%&/@=+/7(' t"+ "=@-,-% =& 8 B + /"&/*(-% /@=-=(A 1+-=8+/%%(-% "+///-=7/+8=7@=@7 8(,1 (-%-A(%=(/-7 7 =(/-+@8% /"/@7 B= 7BD84 /+/@-=D6817/) = ++ =& ,/-8=7=(/-/)' =/-bD(++-bD%7/1&(' +(8=& 7 8@+=/"?4!,(+' +(/-%7-="7/,=& -A(' 7/-, -=+/= =(/-% -D 2=/"(-B"" =(A BD8=/,-% =& 8 (-A(A 1+-=84+ -/7/ 78= =@' 7+ 8/@7 8"@+=DB(=&-(' A 78(=D/"+/7(2;t 8 /+/@-=DC= -8(/,-% 8=& 17/) =B&(& B(++ B7(-%@1==& /"r7&?F0?@=-/= "/7 7 8 7& 78/-@= /+=8=@D=/+ -,/7 /@=/-=7/++(-%&D(++(+/++* 84 (++b++ 7(7 =/7/" -= 7"/7@=(-t-A' 8(A +-=8(8& (-%@1=& B8=@DB&(&(8@8(-% ,/("( &-(+&A 8= 7 =/@17//=&D7(++%7/B(-% ,('B= 7/+@,-(-:=/! =/"B= 7/-f* /&/1 *+(%t=(8&/1 =&= =&(88=@DB(++( -=("D/-(' =(/-8-1, = 78=&= 1=+ "/7, &-(+ &A 8=(-%=/7 @ 1 8=(( @8 -17/A( ,/7 8(= '81 ("(,-% -=/"&D7(++ t-=& 1=, &-(+&' A 8= 78B 7 7 +D@8 =/ ,-% +% =7=8/"&D(++ @ =/&(%&/8=8+/%(8=(+ /-8=7(-=8-/=& 7/-8(' 7=(/-84b++ 768B8=@D @8(-%,/("( &A 8= 7(1B= 7,D17/A( D /7,/7 /"/-=7/+B&(& B/@+8(%-("(-=+D7 @ /8=8-,* &-(+ &7A 8=(-%,/7 8(+ ,-% -=/1=(/-(-+/7(' /"=& (%% 8=17/' + ,8=&=7 8/@7 ,-% 78 (8=&==& D +/8(-%=& =//+8A(++ "/7,-%(-% &D(++r-D+% +* 8 (-+@(-%f* /&/1 *+(% 2/&/3-/B&/77 8(8=-= 8=7(-8/"&D(++=&= -/ +/-% 78@8 1=(+ =/=& & 7' (( "+@7(/2*4/=& ,(-& 7(( @8 =/ ,-% &D(++(-=& 0.!F8 -.F84(=(/-++D&D(++ (-" B+* 8(-=7++/7(' (88&/B(-%7 8(8==/ -/=&++-/=& 7,(-8=D(+/7(&D(++,-% -=4 (=&&D(++ /,(-%,/7 (""(@+==//-=7/+,-% 78 (-/"B8=7= %( 8 "/7/,==(-%=& B 8 & 78"7/,=& -(' A 78(=D/"+/7(-=& 7,D/718/"-%(78 &A A+@=(-%B& 7' (( 8=&= (-% A +' /1 "/7@8 /-5@=( 1+-=84& D&A +8/ A+@=' C(8=(-%& 7(( 8-("' 7 -=11+(=(/-, =&/8 7= 8 ==/(,17/A =& (7 "" =(A 88/-5@=( B t=-/8=,/7 =&-FF ,(++(/-/++=/7 %(8= 7 B& 7(( "/7@8 (-+/7(' B= 7BD84/,0.!F=/ ?FFF/-+D/B@=( & 7(( B87 %(8= 7 4 &-*8=/ ,/-8=7=(/-8 @7 /+/@-=D6817/)' =-7 += B/7*=&7 B@=(& 7(( 8&A -7 %(8= 7 (-=& +=# D 117/A 8=& B17/@=8@=(1+-= ,-% 78B(=&=& +/7( (8&-(++(" /-8 7A=(//,,(88(/-2-=& (7 /A /-=7=/78=/,-' % &D(++(-+/++* 8@8 =& ,4r(* =& 7+,D/718/"-%(78 -n/88 /+ /@-=D8 -(/7(/+/%(8=&A -,/-(=/7(-%B= 75@+(=D -&D(++1+-=8"= 7=& & ,(+=7 =, -=87 +( -/@, -=(-%=& 7 81/-8 /"-=(A 5@=( 1+-=88@& +%7& (7 "(-(-%8&A & +1 ,-% -=% -( 87 "(=& (7 ,-% -=17/%7,84 bD7(++-&D%7/1&(+ /, B D& 7 @=-/= (-=& /@-=7( 8B& 7 =& D /7(%(-= 48( -=(8=8(++ A 7&/+=-n(,@//7' (-= 8 & 8(-t-("7(=/"(--=@7+ ,( 8 =&=& +1* 1=& 8 1+-=8(& *B& 7 =& 1+-=8%7/B -=@7++D47 8@+=/"=&(8 17/) =/,(B(=&"@-' (-%"7/,/=& 78/@7 8= , 78&A (8/A 7 8/, (-= 7 8=(-%(/+/%(+ 17 ,(8 8B&(&(8+/ B(=&-=(5@ "7,(-% 5@(1' -=-&/@8 &/+(= ,8 8&//+&/@8 8*8-1&/' =/%71&84&(8+8/(8B& 7 =& 8,++-(,+88@&8 7(=8-%@(1(%87 1=4 t-+@ B(=&,(88(/7 =& 1/-D7( 8"/7&(+' 7 --=& &D-=7(7( 8A(++ "/7=& -=(7 ",(+D4+7% 1(-(7 +8/(8+/= /-=& %7/@-8"/7",(+( 8%7/@18B-=(-%=/7(-%=& (7 /B-+@-&4 &(+ =& 7 &8 7 8 (-== -==& "7,(-7 -=D 78@ =/ =& /-/,D D 88(8 ,-D80!FFA(8(=/781 7 D1*=& "7,@7(-%(=8 --@+&(+'"7( -+D&@-= &/@8 -1@,1*(-'1(*(-% A -=(-=/ 74 7 -r /B8 ==(-% 7,(8=0>:!4/(-' (-+A4-(8/1 -(+D "7/,.>F4,4=/$14,4 /7,/7 (-"/7,=(/-A(8(= BBB4%7 -, /B8"7,4 /,/7++$F9'!$:'F99F4rbtb)35(f & 8(C=&--@+@8(88C1/B(++ "7/, 00,4=/>14,4=@7D==& /(-(/,,@-(=D -= 7/,1+ C4 8 -= D=& /(-(/@-(+ =&(8(8-/11/7=@-(=D"/77 8( -=8=/8 =& 8 7A( 8/"" 7 D=& @8(8817/" 88(/-+8(=& /,,@-(=D4 r/7 =&-:F@8(88 8-/7%-(E=(/-8 B(++ 8&/B (-+@(-%&/, @8(' 88 8-%7/@18+//*(-%=/ 8=+(8&=& (7 17 8 (-/(-(-/, 17/@=8B(++ A(++ "/78+ -(A(%7/@18B(++ 17 8' -=4&(8(8-/11/7=@-(=D=/"(-/@=,/7 (-"/7,=(/-/-8 7A( 8/"" 7 ?F0?(8+ =(/-D D/@8@7 -(= 8"7/, /=&/+*/+/@-=( 8B(++ /&-&(8(8%7 =&=/, =/=&=& (-@, -=8-=& &++ -% 784 "///@7=/@=//78B(+++8/ =@7 //A 7% 8"7/,+/+ = 7( 8B(++ A(++ "/71@7& 4/A' 7 8 =(-% B(++ 17/' A( t"D/@&A D ==/8(%@181 ,D8=(++ A(+' + 4/-==n(/(-8/-= $F9'>$>'?FF0=/,* -% -=84 8=/"++=&(8 A -=(8 "7 =/== -4 78; C&((=8B(++ (=& /(-(-/,,@-(=D -= 7=& /(-(-/@=//78(-=& 8@77/@-(-% &/8 7 8( -=8B&/ &A == (-=& 1=,D+//*"/7B=/ /++ =(-%%"@++/"%(A ''BD8-1@= 8 &(-=& -, 8/"+/+@8(88 8%=& 7,@&(-"/7,=(/-/-=& 8 7A( 8 /"" 7 (-/(-(& /(-(/@-(+/7B&(& /1 7= 8@7=& @, ++/"=& (88(,' ; /+/@-=D&, 7/"/,, 7 (8&/8=(-%=&(8 A -=4& "@-7(8 ==& C1/ @8 =/"(-=& 8&/+&(18=&= B--@++D=/ 8 7A(-%/(-(%7@=(-%&(%&8&//+8 -(/784 /, /@=-)/D=&(8"7 /,,@-(=D A -=4& /,,@-(=D -= 7(8=>.# r(%/+A 4 "/7 .# (++% <(A <(-F<,(-@= 84 8( 8< (-%<"@-<-<=7D(-%<=/< *< 7 /7<=&(8<(8<"/7<<= 77("(<@8 4<++<17/ 7(8 ;/,B>;<-B::948=708= nrtbnbbrnnbnrbrttbftnrtr nr\004btrrbtf;+/$ ;..(3*,(4 ;,$%(5(4 ;,*+.11'(4463( ;,*++1.(45(31. ;"(,*+51. ;5+3,5,4 ;//,*3$5,10+:4,&$.4 ;&+11.54 +:4,&$.4 ;!.53$4160'&+1 ;..(3*: (45,0* t n b !$&(t#(&!*!#,!#,' ;07(0,(05634,0&.6',0*(0,0*$563'$:221,05/(054 ;$/($:21,05/(0547$,.$%.(;"$.-"(.&1/( ;10 6(4"('3,$//; +634$/r2/;$5$/t2/fbtffbnrnfbfbfnbffrb-,tttn bb bbb 0 (&(6<37)3,)6r:26)&(<6,6,:231 "=4%!49%9-==6666666-%%94%844+ 9"6r f;;;/7<3(&/,) tt b&3,.50;?0b%>4=0CF <<47700frrnrnn tfrbbnbbt nt)0<=!,5%=;00=<<47700 0A==9"
PAGE 13

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H:b-*;E&))-/+ @E-+E*-)$-*;@$&; *-+@$@*/))-D&+ &;;&**)-@-##G :(-+rG:;;-C@$;-):(EG2 $:;&)@-+D&/:;&% +@;); -:H: b-*;&+@$:)+-:#&-+ ;&@$+E*-)$-*; :.=B+BBI=;3C: @)&D&+#;/ $*-)$-*;: /:& :-*.=",II2nnn bnn rbnnr fnntnrD:E:-+;@:C% @-:;@$:*-)&+#&D&;&-+ D:E:t+E$&$ :+(;;-+@$:#&-+8; *-;@@&DC&):;)CFC:G $-*;/:&@*-:@$+ .*&))&-+-:&+#@-*/+G/:;;:);&; ;&+#&#&+:;&+)CFC% :G$-*:*-)&+#/:-'@;2 r@@:;(D&/:;&% +@@D:E:;&@$ &:*8;:*-)&+#&D&;&-+ C::+@)G$;.I/:-'@;&+ @$/)++&+#;@#2f;@G: D:E:-+;@:C@-:; -*/)@.B*'-::*-% )&+#/:-'@;:;(;&2 6/:-'@-C::*-)% &+#&D&;&-+E&));+ &+:;-C@"I/:+@ @$&;G:7:;(;&2-G-CD:)D@$ $-C; )&+#)&(G-C -:% #-@;-*@$&+#4 f& &; C)))&@@)@&); +& G-C::C++&+#+ +@&:$-C;$-)G-C*G &+&@-D:E$)*&+#@(/D:G@$&+#&+-::2 fC(&)G*-:+@$% +-)-#&;@$@+$)/G-C -:#+&H@$-;@&);: -*&+#*-: -:)2 6$+&@-*;@-*+% #&+#G-C:$-*&@8;)) -C@*-:+&H@&-++ ;&*/)&&@G7n*&)#& ;+&-:&:@-:/:-C@ *+#*+@@)(&+ *(:-++@&D&@G D&;+;;-:&; ;&26$:&@8;/-;;&) )@+E@$+-)-#&;;-*@$@$&+(&+#+ $DG)& @&+# -:G-C27 b::;-*;G@&/; @-C/@G-C:$-* -: *-:;&*/)& &)& nnt G-C://:E-:(&; *;;-+;&:@:+; ::&+# G-C:-C*+@;@-+)% @:-+& &)&+#;G;@*2-@ -+)GE&))@$;G;@* &*/)&&@)G-:#+&H -:G-C G-C);-E&)))&*&+@&+# @$-;;@(;//:@$@ @$:@+@-)C@@:D:G :--*@$$-C;2 :#+&H&+#G-C: &++&) ;@@*+@;&));+$)@$ :-C*+@;E&))$)/ G-C:**://-&+@% *+@;/G*+@;+-@$: )&+;2n nnbrb$;G;G-C+:C+ G-C:$-*8;)@:-+& D&; :-*@$-* -:@'C;@-C@+GE$:2E $-*C@-*@&-+@$+-)-% #G&;-*&+#&+:;&+#)G ;;&)+ -:)@-+;C*:;2 /@ -:;G;@*@$@+ -+@:-)) :-*G-C: ;*:@/$-+;C$; )(&+8;r-$-* C@-*@&-+/:-C@;;G-C+;$C)G-C: )&#$@;##@;$@&+#&: -+&@&-+&+#+-@$: D&;@-@C:+-++@@&*;@$@*@G-C: *&)G8;+;2 -+E&))@$G; G-C :@-D:E$@$:G-C ) @@$&:-+-+ -:@$G2 -EG-C++;C:D:G% @$&+#&;;E&@$@$ *-*+@E-::G;@:&(;2 C$@$+-)-#&;);$D*-@&-+;+;-:&)&@&; @--E$&$*(@C:+&+#fftnn frfbrfb bt bt t)]TJ/T1_5 1 Tf11.4 0 0 12 193.2998 1446.2852 Tm[(n\006f)55(fbtt)-367(rnntrbbtrbf"""! # ttfrtn f b f frt nbt \016rnt nb)74(fnbtbbbbbb nt mort gageindexwas 5.03percen t;fourweeks ago,itwas4.12perce nt. previousweek's 3.38 percent. Thebenchmark5/1adjustable-rat emortgagefellto 3.04 percentfromthepreviousweek' s3.12percent. nance applications underthe r ealHARP isattrac tingmanyunderwat er too much on their mortgages,say sRobNunziata,presidentofFBC MortgageinOrlando,Fla. We are taking reservationsforHARP2.0,soonceitdoescomeoutthey reservations from homeownerswho wanttotakeadvan tageofthe program. Mort gaget ip:Intoday' smarket,it' swisetomakesureyourcurren thomeissoldbefor ecommittingto purchaseanewone.Mortgage News Source: Bankrate.com, 2012 4.37 4.24 4.20 4.25 4.10 10/12/201111/16/201112/21/20111/25/20122/29/20123.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 Adjustableratemort gages Source: Bankrate.com, 2012 3.64 3.70 3.37 2.82 3.04 3.26 3.17 3.18 3.09 3.04 10/12/201111/16/201112/21/20111/25/20122/29/20122.50 2.75 3.00 3.25 3.50 3.75 4.00 4.25 1yrARM 5/1 ARM Bankr ateN ational Tr en ds Local Mort gageRatesInstitution Phone Rate Orig. D isc. Lock APR RateOrig. D isc. L ockAPRThes earelargest area ra tes that banksandt hrifts wer ec harging W ednes day For additional Florida arearatesvisitwww.bankrate.com By Poly anadaCos ta Bankra te.comBankr atemortgage updateIfyouare one of the thousands of borrowershopingmort gagerates goodnews: Mortgagerates dropped back torecordlowsthis week. But youhave abouttwo moreweeks to go. That's when lendersexpectto mort gagesregardlessofhowdeeplyunderwatertheyare .At least, that's thetheory.Itremains to be seen if lenderswillembrace the new rulesof theprogram, dubbedHARP2.0. previousweek's 4.16 percent,accordingto the Bankrate.com national survey of largelenders. The mortgagesinthisweek's survey had an aver agetotal of 0.39 discount and orig ination points. One year ago, the In a lmostallcases,the rat eisbasedonalo ck-i nperiodof30 to 60d ays Borrower sshouldreview ho wthe rates arecalc ulated andi nquir e about additionalc losingcosts,suchas appraisalfeesandtitlesearches.NAmeans rateq uotes not av ailableonsu rv ey date Rates arebasedonaloan am ou nt of$165,000to$417,000 wi tha20pe rcent do wnpayme nt .BankofAmerica 800-432-1000 4.125 0.00 1.00 604.3223.5000.000.88603.824 SunTrust Bank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b-*-E+:;E$-* &*/:-D*+@;&+BI../&(C/-+)G!+@; &+$-*3C&@G-+@$&::*-)&+#-)):0-+ D:#1-:&+#@-@$-;@D:;C;)C :/-:@:);G*-)&+#r#H&+2-*% /:@&#C:;&+BII!E$+$-*&*/:-D% *+@/:-'@;/:-D&<=/:+@-;@:@C:+ @$C::+@@&;$:)G*-@&D@-:@-/:E&@$@$@)-+#%:*@-@)(&@$+:+-D@&-+2 f;;F/+;&D$-*:/)*+@/:-'@; :*C$@@:@&+@:*;:-C/&+#G-C: -;@;#:+:&+#-C@="/:+@(&+:;) D)CD:;C;@$!*::#:#--:;2$ #C&&;$)/ C)@--)@-#@G-C;@:@:&+# #:@@&/;-+@$+ &@;& :+@*@:&); +$-E@-*@$--:E&@$G-C:$-*9;:$&% @@C:+$:@:2 t+:;&+@&):);@@*:(@@$@9;+G% @$&+#C@:@&+&@9;-* -:@&+#@-(+-E@$@ @$::;-*$-*&*/:-D*+@&+D;@*+@; @$@-+@&+C@-;C:@2+E#:# --:+-@-+)G:;;-)&:@C:+@:;)C@ );-C@G+ C+@&-+)&@G@$@$)/G-C@+'-GG-C:$-*@-G2)28(nnnrrtrbf fnbrnrtnfbbffrftfbfffnrfnf rfnfbffffff fnbrnrtnffnfnbbnfrf nrrfnn rntf)34(b \tbnn)25( rffff

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PAGE 25

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PAGE 26

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