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Resolved Question: citizenship english question translate to arabic ?
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INS Citizenship Test Questions
The U.S. Citizenship and Immigration Services (USCIS) administers a test to all immigrants applying for citizenship. For years, these questions have been selected from among the following list of 100. How would you do? Many, you will find simple. Others are not so easy. In all cases, the answer USCIS wants to hear is given. (Study Materials and Guides)
NOTE: New Test Questions Coming Oct. 1, 2008
On Oct. 1, 2008 The USCIS will switch a new set of test questions. All applicants who file for naturalization on or after October 1, 2008 will be required to take the redesigned test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
________________________________________
Current USCIS Test Questions
(Click on the question to see the answer.)
1. What are the colors of our flag?
2. How many stars are there in our flag?
3. What color are the stars on our flag?
4. What do the stars on the flag mean?
5. How many stripes are there in the flag?
6. What color are the stripes?
7. What do the stripes on the flag mean?
8. How many states are there in the Union?
9. What is the 4th of July?
10. What is the date of Independence Day?
11. Independence from whom?
12. What country did we fight during the Revolutionary War?
13. Who was the first President of the United States?
14. Who is the President of the United States today?
15. Who is the vice-president of the United States today?
16. Who elects the President of the United States?
17. Who becomes President of the United States if the President should die?
18. For how long do we elect the President?
19. What is the Constitution?
20. Can the Constitution be changed?
21. What do we call a change to the Constitution?
22. How many changes or amendments are there to the Constitution?
23. How many branches are there in our government?
24. What are the three branches of our government?
25. What is the legislative branch of our government?
26. Who makes the laws in the United States?
27. What is the Congress?
28. What are the duties of Congress?
29. Who elects the Congress?
30. How many senators are there in Congress?
31. Can you name the two senators from your state?
32. For how long do we elect each senator?
33. How many representatives are there in Congress?
34. For how long do we elect the representatives?
35. What is the executive branch of our government?
36. What is the judiciary branch of our government?
37. What are the duties of the Supreme Court?
38. What is the supreme court law of the United States?
39. What is the Bill of Rights?
40. What is the capital of your state?
41. Who is the current governor of your state?
42. Who becomes President of the United States if the President and the vice-president should die?
43. Who is the Chief Justice of the Supreme Court?
44. Can you name thirteen original states?
45. Who said, “Give me liberty or give me death.”?
46. Which countries were our enemies during World War II?
47. What are the 49th and 50th states of the Union?
48. How many terms can the President serve?
49. Who was Martin Luther King, Jr.?
50. Who is the head of your local government?
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
52. Why are there 100 Senators in the Senate?
53. Who selects the Supreme Court justice?
54. How many Supreme Court justice are there?
55. Why did the Pilgrims come to America?
56. What is the head executive of a state government called?
57. What is the head executive of a city government called?
58. What holiday was celebrated for the first time by the Americans colonists?
59. Who was the main writer of the Declaration of Independence?
60. When was the Declaration of Independence adopted?
61. What is the basic belief of the Declaration of Independence?
62. What is the national anthem of the United States?
63. Who wrote the Star-Spangled Banner?
64. Where does freedom of speech come from?
65. What is a minimum voting age in the United States?
66. Who signs bills into law?
67. What is the highest court in the United States?
68. Who was the President during the Civil War?
69. What did the Emancipation Declaration do?
70. What special group advises the President?
71. Which President is called the “Father of our country”?
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
73. Who helped the Pilgrims in America?
74. What is the name of the ship that brought the Pilgrims to America?
75. What are the 13 original states of the U.S. called?
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
77. Who has the power to declare the war?
78. What kind of government does the United States have?
79. Which President freed the slaves?
80. In what year was the Constitution written?
81. What are the first 10 amendments to the Constitution called?
82. Name one purpose of the United Nations?
83. Where does Congress meet?
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
85. What is the introduction to the Constitution called?
86. Name one benefit of being citizen of the United States.
87. What is the most important right granted to U.S. citizens?
88. What is the United States Capitol?
89. What is the White House?
90. Where is the White House located?
91. What is the name of the President’s official home?
92. Name the right guaranteed by the first amendment.
93. Who is the Commander in Chief of the U.S. military?
94. Which President was the first Commander in Chief of the U.S. military?
95. In what month do we vote for the President?
96. In what month is the new President inaugurated?
97. How many times may a Senator be re-elected?
98. How many times may a Congressman be re-elected?
99. What are the 2 major political parties in the U.S. today?
100. How many states are there in the United States today?
________________________________________
1. What are the colors of our flag?
Red, White, and Blue.
2. How many stars are there in our flag?
50
3. What color are the stars on our flag?
White.
4. What do the stars on the flag mean?
One for each state in the Union.
5. How many stripes are there in the flag?
13
6. What color are the stripes?
Red and White.
7. What do the stripes on the flag mean?
They represent the original 13 states.
8. How many states are there in the Union?
50
9. What is the 4th of July?
Independence Day.
10. What is the date of Independence Day?
July 4th
11. Independence from whom?
England
12. What country did we fight during the Revolutionary War?
England
13. Who was the first President of the United States?
George Washington
14. Who is the President of the United States today?
Currently George W. Bush
15. Who is the vice-president of the United States today?
Currently Richard B. (”Dick”) Cheney
16. Who elects the President of the United States?
The electoral college
17. Who becomes President of the United States if the President should die?
Vice – President
18. For how long do we elect the President?
Four years
19. What is the Constitution?
The supreme law of the land
20. Can the Constitution be changed?
Yes
21. What do we call a change to the Constitution?
An Amendment
22. How many changes or amendments are there to the Constitution?
27
23. How many branches are there in our government?
3
24. What are the three branches of our government?
Legislative, Executive, and Judiciary
25. What is the legislative branch of our government?
Congress
26. Who makes the laws in the United States?
Congress
27. What is the Congress?
The Senate and the House of Representatives
28. What are the duties of Congress?
To make laws
29. Who elects the Congress?
The people
30. How many senators are there in Congress?
100
31. Can you name the two senators from your state?
(insert local information)
32. For how long do we elect each senator?
6 years
33. How many representatives are there in Congress?
435
34. For how long do we elect the representatives?
2 years
35. What is the executive branch of our government?
The President, vice president, cabinet, and departments under the cabinet members
36. What is the judiciary branch of our government?
The Supreme Court
37. What are the duties of the Supreme Court?
To interpret laws
38. What is the supreme court law of the United States?
The Constitution
39. What is the Bill of Rights?
The first 10 amendments of the Constitution
40. What is the capital of your state?
(insert local information)
41. Who is the current governor of your state?
(insert local information)
42. Who becomes President of the United States if the President and the vice-president should die?
Speaker of the House of Representative
43. Who is the Chief Justice of the Supreme Court?
William Rehnquist (or whoever is next)
44. Can you name thirteen original states?
Connecticut, New Hampshire, New York, New Jersey, Massachusetts, Pennsylvania, Delaware, Virginia, North Carolina, South Carolina, Georgia, Rhode Island, and Maryland.
45. Who said, “Give me liberty or give me death.”?
Patrick Henry
46. Which countries were our enemies during World War II?
Germany, Italy, and Japan
47. What are the 49th and 50th states of the Union?
Hawaii and Alaska
48. How many terms can the President serve?
2
49. Who was Martin Luther King, Jr.?
A civil rights leader
50. Who is the head of your local government?
(insert local information)
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
Must be a natural born citizen of the United States; must be at least 35 years old by the time he/she will serve; must have lived in the United States for at least 14 years.
52. Why are there 100 Senators in the Senate?
Two (2) from each state
53. Who selects the Supreme Court justice?
Appointed by the President
54. How many Supreme Court justice are there?
Nine (9)
55. Why did the Pilgrims come to America?
For religious freedom
56. What is the head executive of a state government called?
Governor
57. What is the head executive of a city government called?
Mayor
58. What holiday was celebrated for the first time by the Americans colonists?
Thanksgiving
59. Who was the main writer of the Declaration of Independence?
Thomas Jefferson
60. When was the Declaration of Independence adopted?
July 4, 1776
61. What is the basic belief of the Declaration of Independence?
That all men are created equal
62. What is the national anthem of the United States?
The Star-Spangled Banner
63. Who wrote the Star-Spangled Banner?
Francis Scott Key
64. Where does freedom of speech come from?
The Bill of Rights
65. What is a minimum voting age in the United States?
Eighteen (18)
66. Who signs bills into law?
The President
67. What is the highest court in the United States?
The Supreme Court
68. Who was the President during the Civil War?
Abraham Lincoln
69. What did the Emancipation Declaration do?
Freed many slaves
70. What special group advises the President?
The Cabinet
71. Which President is called the “Father of our country”?
George Washington
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
Form N-400, Application to File Petition for Naturalization
73. Who helped the Pilgrims in America?
The American-Indians (Native Americans)
74. What is the name of the ship that brought the Pilgrims to America?
The Mayflower
75. What are the 13 original states of the U.S. called?
Colonies
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
The right of freedom of speech, press, religion, peaceable assembly, and requesting change of government.
The right to bear arms (the right to have weapons or own a gun, though subject to certain regulations).
The government may not quarter, or house, soldiers in the people’s homes during peacetime without the people’s consent.
The government may not search or take a person’s property without a warrant.
A person may not be tried twice for the same crime and does not have to testify against him/herself.
A person charged with a crime still has some rights, such as the right to a trial and to have a lawyer.
The right to trial by jury in most cases.
Protects people against excessive or unreasonable fines or cruel and unusual punishment.
The people have rights other than those mentioned in the Constitution.
Any power not given to the federal government by the Constitution is a power of either the state or the people.
77. Who has the power to declare the war?
The Congress
78. What kind of government does the United States have?
Democracy
79. Which President freed the slaves?
Abraham Lincoln
80. In what year was the Constitution written?
1787
81. What are the first 10 amendments to the Constitution called?
The Bill of Rights
82. Name one purpose of the United Nations?
For countries to discuss and try to resolve world problems, to provide economic aid to many countries.
83. Where does Congress meet?
In the Capitol in Washington, D.C.
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
Everyone (citizens and non-citizens) living in U.S.
85. What is the introduction to the Constitution called?
The Preamble
86. Name one benefit of being citizen of the United States.
Obtain federal government jobs, travel with U.S. passport, petition for close relatives to come to the U.S. to live.
87. What is the most important right granted to U.S. citizens?
The right to vote
88. What is the United States Capitol?
The place where Congress meets
89. What is the White House?
The President’s official home
90. Where is the White House located?
Washington, D.C. (1600 Pennsylvania Avenue, N.W.)
91. What is the name of the President’s official home?
The White House
92. Name the right guaranteed by the first amendment.
Freedom of: speech, press, religion, peaceable assembly, and requesting change of the government.
93. Who is the Commander in Chief of the U.S. military?
The President
94. Which President was the first Commander in Chief of the U.S. military?
George Washington
95. In what month do we vote for the President?
November
96. In what month is the new President inaugurated?
January
97. How many times may a Senator be re-elected?
There is no limit
98. How many times may a Congressman be re-elected?
There is no limit
99. What are the 2 major political parties in the U.S. today?
Democratic and Republican
100. How many states are there in the United States today?
Fifty (50)

New Naturalization Test Questions
Beginning on Oct. 1, 2008, the U.S. Citizenship and Immigration Services (USCIS) will replace the set of questions currently used as part of the citizenship test with the questions listed here. All applicants who file for naturalization on or after October 1, 2008 will be required to take the new test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
New Test Questions and Answers
Some questions have more than one correct answer. In those cases, all acceptable answers are shown. All answers are shown exactly as worded by the U.S. Citizenship and Immigration Services.
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
AMERICAN GOVERNMENT
A. Principles of American Democracy
1. What is the supreme law of the land?
A: The Constitution
2. What does the Constitution do?
A: sets up the government
A: defines the government
A: protects basic rights of Americans
3. The idea of self-government is in the first three words of the Constitution. What are these words?
A: We the People
4. What is an amendment?
A: a change (to the Constitution)
A: an addition (to the Constitution)
5. What do we call the first ten amendments to the Constitution?
A: The Bill of Rights
6. What is one right or freedom from the First Amendment?*
A: speech
A: religion
A: assembly
A: press
A: petition the government
7. How many amendments does the Constitution have?
A: twenty-seven (27)
8. What did the Declaration of Independence do?
A: announced our independence (from Great Britain)
A: declared our independence (from Great Britain)
A: said that the United States is free (from Great Britain)
9. What are two rights in the Declaration of Independence?
A: life
A: liberty
A: pursuit of happiness
10. What is freedom of religion?
A: You can practice any religion, or not practice a religion.
11. What is the economic system in the United States?*
A: capitalist economy
A: market economy
12. What is the “rule of law”?
A: Everyone must follow the law.
A: Leaders must obey the law.
A: Government must obey the law.
A: No one is above the law.
B. System of Government
13. Name one branch or part of the government.*
A: Congress
A: legislative
A: President
A: executive
A: the courts
A: judicial
14. What stops one branch of government from becoming too powerful?
A: checks and balances
A: separation of powers
15. Who is in charge of the executive branch?
A: the President
16. Who makes federal laws?
A: Congress
A: Senate and House (of Representatives)
A: (U.S. or national) legislature
17. What are the two parts of the U.S. Congress?*
A: the Senate and House (of Representatives)
18. How many U.S. Senators are there?
A: one hundred (100)
19. We elect a U.S. Senator for how many years?
A: six (6)
20. Who is one of your state’s U.S. Senators?*
A: Answers will vary. [For District of Columbia residents and residents of U.S. territories, the answer is that D.C. (or the territory where the applicant lives) has no U.S. Senators.]
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
21. The House of Representatives has how many voting members?
A: four hundred thirty-five (435)
22. We elect a U.S. Representative for how many years?
A: two (2)
23. Name your U.S. Representative.
A: Answers will vary. [Residents of territories with nonvoting Delegates or resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]
24. Who does a U.S. Senator represent?
A: all people of the state
25. Why do some states have more Representatives than other states?
A: (because of) the state’s population
A: (because) they have more people
A: (because) some states have more people
26. We elect a President for how many years?
A: four (4)
27. In what month do we vote for President?*
A: November
28. What is the name of the President of the United States now?*
A: George W. Bush
A: George Bush
A: Bush
29. What is the name of the Vice President of the United States now?
A: Richard Cheney
A: Dick Cheney
A: Cheney
30. If the President can no longer serve, who becomes President?
A: the Vice President
31. If both the President and the Vice President can no longer serve, who becomes President?
A: the Speaker of the House
32. Who is the Commander in Chief of the military?
A: the President
33. Who signs bills to become laws?
A: the President
34. Who vetoes bills?
A: the President
35. What does the President’s Cabinet do?
A: advises the President
36. What are two Cabinet-level positions?
A: Secretary of Agriculture
A: Secretary of Commerce
A: Secretary of Defense
A: Secretary of Education
A: Secretary of Energy
A: Secretary of Health and Human Services
A: Secretary of Homeland Security
A: Secretary of Housing and Urban Development
A: Secretary of Interior
A: Secretary of State
A: Secretary of Transportation
A: Secretary of Treasury
A: Secretary of Veterans’ Affairs
A: Secretary of Labor
A: Attorney General
37. does the judicial branch do?
A: reviews laws
A: explains laws
A: resolves disputes (disagreements)
A: decides if a law goes against the Constitution
38. What is the highest court in the United States?
A: the Supreme Court
39. How many justices are on the Supreme Court?
A: nine (9)
40. Who is the Chief Justice of the United States?
A: John Roberts (John G. Roberts, Jr.)
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?
A: to print money
A: to declare war
A: to create an army
A: to make treaties
42. Under our Constitution, some powers belong to the states. What is one power of the states?
A: provide schooling and education
A: provide protection (police)
A: provide safety (fire departments)
A: give a driver’s license
A: approve zoning and land use
43. Who is the Governor of your state?
A: Answers will vary. [Residents of the District of Columbia and U.S. territories without a Governor should say "we don't have a Governor."]
44. What is the capital of your state?*
A: Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]
45. What are the two major political parties in the United States?*
A: Democratic and Republican
46. What is the political party of the President now?
A: Republican (Party)
47. What is the name of the Speaker of the House of Representatives now?
A: (Nancy) Pelosi
C: Rights and Responsibilities
48. There are four amendments to the Constitution about who can vote. Describe one of them.
A: Citizens eighteen (18) and older (can vote).
A: You don’t have to pay (a poll tax) to vote.
A: Any citizen can vote. (Women and men can vote.)
A: A male citizen of any race (can vote).
49. What is one responsibility that is only for United States citizens?*
A: serve on a jury
A: vote
50. What are two rights only for United States citizens?
A: apply for a federal job
A: vote
A: run for office
A: carry a U.S. passport
51. What are two rights of everyone living in the United States?
A: freedom of expression
A: freedom of speech
A: freedom of assembly
A: freedom to petition the government
A: freedom of worship
A: the right to bear arms
52. What do we show loyalty to when we say the Pledge of Allegiance?
A: the United States
A: the flag
53. What is one promise you make when you become a United States citizen?
A: give up loyalty to other countries
A: defend the Constitution and laws of the United States
A: obey the laws of the United States
A: serve in the U.S. military (if needed)
A: serve (do important work for) the nation (if needed)
A: be loyal to the United States
54. How old do citizens have to be to vote for President?*
A: eighteen (18) and older
55. What are two ways that Americans can participate in their democracy?
A: vote
A: join a political party
A: help with a campaign
A: join a civic group
A: join a community group
A: give an elected official your opinion on an issue
A: call Senators and Representatives
A: publicly support or oppose an issue or policy
A: run for office
A: write to a newspaper
56. When is the last day you can send in federal income tax forms?*
A: April 15
57. When must all men register for the Selective Service?
A: at age eighteen (18)
A: between eighteen (18) and twenty-six (26)
AMERICAN HISTORY
A: Colonial Period and Independence
58. What is one reason colonists came to America?
A: freedom
A: political liberty
A: religious freedom
A: economic opportunity
A: practice their religion
A: escape persecution
59. Who lived in America before the Europeans arrived?
A: Native Americans
A: American Indians
60. What group of people was taken to America and sold as slaves?
A: Africans
A: people from Africa
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
61. Why did the colonists fight the British?
A: because of high taxes (taxation without representation)
A: because the British army stayed in their houses (boarding, quartering)
A: because they didn’t have self-government
62. Who wrote the Declaration of Independence?
A: (Thomas) Jefferson
63. When was the Declaration of Independence adopted?
A: July 4, 1776
64. There were 13 original states. Name three.
A: New Hampshire
A: Massachusetts
A: Rhode Island
A: Connecticut
A: New York
A: New Jersey
A: Pennsylvania
A: Delaware
A: Maryland
A: Virginia
A: North Carolina
A: South Carolina
A: Georgia
65. What happened at the Constitutional Convention?
A: The Constitution was written.
A: The Founding Fathers wrote the Constitution.
66. When was the Constitution written?
A: 1787
67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.
A: (James) Madison
A: (Alexander) Hamilton
A: (John) Jay
A: Publius
68. What is one thing Benjamin Franklin is famous for?
A: U.S. diplomat
A: oldest member of the Constitutional Convention
A: first Postmaster General of the United States
A: writer of “Poor Richard’s Almanac”
A: started the first free libraries
69. Who is the “Father of Our Country”?
A: (George) Washington
70. Who was the first President?*
A: (George) Washington
B: 1800s
71. What territory did the United States buy from France in 1803?
A: the Louisiana Territory
A: Louisiana
72. Name one war fought by the United States in the 1800s.
A: War of 1812
A: Mexican-American War
A: Civil War
A: Spanish-American War
73. Name the U.S. war between the North and the South.
A: the Civil War
A: the War between the States
74. Name one problem that led to the Civil War.
A: slavery
A: economic reasons
A: states’ rights
75. What was one important thing that Abraham Lincoln did?*
A: freed the slaves (Emancipation Proclamation)
A: saved (or preserved) the Union
A: led the United States during the Civil War
76. What did the Emancipation Proclamation do?
A: freed the slaves
A: freed slaves in the Confederacy
A: freed slaves in the Confederate states
A: freed slaves in most Southern states
77. What did Susan B. Anthony do?
A: fought for women’s rights
A: fought for civil rights
C: Recent American History and Other Important Historical Information
78. Name one war fought by the United States in the 1900s.*
A: World War I
A: World War II
A: Korean War
A: Vietnam War
A: (Persian) Gulf War
79. Who was President during World War I?
A: (Woodrow) Wilson
80. Who was President during the Great Depression and World War II?
A: (Franklin) Roosevelt
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
81. Who did the United States fight in World War II?
A: Japan, Germany and Italy
82. Before he was President, Eisenhower was a general. What war was he in?
A: World War II
83. During the Cold War, what was the main concern of the United States?
A: Communism
84. What movement tried to end racial discrimination?
A: civil rights (movement)
85. What did Martin Luther King, Jr. do?*
A: fought for civil rights
A: worked for equality for all Americans
86. What major event happened on September 11, 2001 in the United States?
A: Terrorists attacked the United States.
87. Name one American Indian tribe in the United States.
[Adjudicators will be supplied with a complete list.]
A: Cherokee
A: Navajo
A: Sioux
A: Chippewa
A: Choctaw
A: Pueblo
A: Apache
A: Iroquois
A: Creek
A: Blackfeet
A: Seminole
A: Cheyenne
A: Arawak
A: Shawnee
A: Mohegan
A: Huron
A: Oneida
A: Lakota
A: Crow
A: Teton
A: Hopi
A: Inuit
INTEGRATED CIVICS
A: Geography
88. Name one of the two longest rivers in the United States.
A: Missouri (River)
A: Mississippi (River)
89. What ocean is on the West Coast of the United States?
A: Pacific (Ocean)
90. What ocean is on the East Coast of the United States?
A: Atlantic (Ocean)
91. Name one U.S. territory.
A: Puerto Rico
A: U.S. Virgin Islands
A: American Samoa
A: Northern Mariana Islands
A: Guam
92. Name one state that borders Canada.
A: Maine
A: New Hampshire
A: Vermont
A: New York
A: Pennsylvania
A: Ohio
A: Michigan
A: Minnesota
A: North Dakota
A: Montana
A: Idaho
A: Washington
A: Alaska
93. Name one state that borders Mexico.
A: California
A: Arizona
A: New Mexico
A: Texas
94. What is the capital of the United States?*
A: Washington, D.C.
95. Where is the Statue of Liberty?*
A: New York (Harbor)
A: Liberty Island
[Also acceptable are New Jersey, near New York City, and on the Hudson (River).]
B. Symbols
96. Why does the flag have 13 stripes?
A: because there were 13 original colonies
A: because the stripes represent the original colonies
97. Why does the flag have 50 stars?*
A: because there is one star for each state
A: because each star represents a state
A: because there are 50 states
98. What is the name of the national anthem?
A: The Star-Spangled Banner
C: Holidays
99. When do we celebrate Independence Day?*
A: July 4
100. Name two national U.S. holidays.
A: New Year’s Day
A: Martin Luther King, Jr., Day
A: Presidents’ Day
A: Memorial Day
A: Independence Day
A: Labor Day
A: Columbus Day
A: Veterans Day
A: Thanksgiving
A: Christmas

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Resolved Question: what used to be in the abandoned mill on depot rd in windham maine?
it seems to be an old steel mill. It sits on the presumpscot river and appears to have been closed ages ago. I am looking for any information regarding this property

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This is the first article of our road map to riches; it is a basic outline leading from poverty to riches.

Start with the income you have currently. Usually, this is in the form of a paycheck from a job. Some people own their own job. Where your money comes from does not matter. What does matter is how much you receive and how much you spend.

How much you receive – most of you are able to do cover your basic living expenses. We assume you can.

Expenditures – this is a common area of difficult

The beginning step:

Reduce your expenditures to the lowest realistic amount. Single or married people/people without children, should be living in a one bedroom or studio apartment (unless you are in a situation where your housing is free or exceptionally reduced).

Honda Civics and Toyota Corollas are the type of cars that should appeal to you; you only want to drive safe, cheap, and economical vehicles, unless your job requires otherwise. EAt out only on special occasions or in emergencies.

Cook cheap, but cook nutritious food. Go camping instead of taking a cruise. Buy only clothes that are cheap, but make sure they will last.

The choice of whether to get a TV or not is a personal one; some need it to stay sane; for others, it is simply a luxury. If you can do without, do.

Recreation is an important thing which you cannot forget about. If you don’t enjoy yourself, you will go crazy. However, this does not mean go on a spending spree. There are many cheap or free things you can do to enjoy your time such as watching TV, hiking, reading, or surfing the Internet.

In a nutshell, spend as little as you can.

Buying the cheapest thing is not always the most economical thing. Instead of paying a little for a product that lasts no time at all, pay a bit more for a product which will last you a very long time.

For excellent reviews on consumer products, check out Consumer Reports magazine.

Do not starve yourself, lose your friends, or find yourself bored with nothing to do, but do spend as little as you can.

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A lot of folk go through bank foreclosures these days. According to professionals, more than twenty p.c of US people are in default of the home loan payments and are applicants for bank foreclosure. If you happen to be one of those people that are on the edge of losing your house due to bank foreclosure, you shouldn’t give up simply and just let the bank take your property without exhausting all possible options to save your home. To help save your house from bank foreclosure, here are some things that you can do.

Foreclosure is a hideous thing and you stand to lose plenty of things when your house gets foreclosed. To avoid El Cajon real estate foreclosure, you could need to sell your house. Selling your house may seem painful to you but when things truly get rough, it is better to sell your house and earn some cash out of the sale than let the bank foreclose your property. To get the most out of the sale of your home, find out how much is the present market value of your home. If you home is located in a prime location, its value might have increased considerably during the past few years.

To get a fair evaluation of the market valuation of your house, interview some real estate agents who specialize in El Cajon real estate. You might also hire the services of a pro broker to sell your house. The nice thing about hiring a pro broker to sell your home is that you’ll don’t have to go to all the troubles of finding a buyer and then doing the forms once the buyer decides to purchase your home. What’s the catch? The catch here is you need to pay a commission to the broker after the sale of the home. However, considering the kind of service that you get from the broker, it’s only fitting that you compensate your broker well. Remember that there’s no such thing as free service these days.

The housing market is in a bad shape and many properties across the country are worth significantly less than their original price . If your property has been badly affected by the housing crisis, you’ll have to sell your home for a lesser price. Yes, a short sale is not very appealing but compared to foreclosure, a short sale is better. To stave off foreclosure and still be in a position to get a fair price on your property, you must put your property on sale as early as possible.

Banks are not totally happy with the idea of foreclosing so many properties. Remember that banks are into the financial business not the estate business. Since the bank has equity over your property, the bank party owns your home. Foreclosure of bank owned properties is therefore bad business for them. Banks want their clients to continue paying their amortization and as long as their clients are willing to pay their monthly amortization, banks are open to negotiations. If you need to prevent bank foreclosure, you should never ignore the collection letters from your bank. A lot of bank repossessions occur after the client ignore a pair of collection letters from the bank. Instead of ignoring the collection letters sent to you by your bank, you need to take some time to answer these letters and barter for additional honeymoon period. You can also visit your bank and talk to the loans of officer personally. Tell the loans officer that you are prepared to pay your dues to stop bank foreclosure but you want a small time to get the cash for this reason.

When negotiating with your bank, you need to outline your plans on how you are going to pay for your financial duties. You’ll also submit a finance plan to the bank. Your financial plan need not be complicated. All you want to do is to demonstrate the bank where you’ll get the money to pay for your monthly amortization.

Technorati Tags: family, foreclosure, home, Home Improvement, homes, house, loan, mortgage, Real Estate

FHA has granted streamline refis on insured mortgages since the early 1980’s. The “streamline” pertains only to the amount of documentation and underwriting that needs to be executed by the loaner, and does not mean that there are no tolls involved in the dealing. The standard prerequisites of a streamline refinance are:

The house loan to be refi must already be Federal Housing insured.

The mortgage to be refinanced should be current (not delinquent).

The home refinance is to result in a lowering of the borrower’s monthly principal and interest payments.

No cash may be made out on home mortgage refinanced using the streamline refi action.

Lenders may provide streamline refinances in several ways. Some loaners provide “no cost” refinances (actually, no out-of-pocket expenses to the borrower) by billing a higher rate of interest on the new loan than if the borrower financed or paid the closing costs in hard currency. From this premium, the lender pays any closing costs that are incurred on the refi.

Lenders may extend streamline refi and include the closing costs into the new mortgage sum. This can simply be complete if there is sufficient equity in the place, as seen by an appraisal. Streamline refinances can also be done without estimates, but the different loan amount cannot pass the original loan amount. Investment properties (properties in which the borrower does not lodge in in as his or her main residence) may only be refinances without an assessment.

Before you even get started with your FHA streamline, nature that you’re so someone who understands the FHA market and can get it done right.

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On May one, 2009, the lawyer General’s Office of New York passed the HVCC, or Home Valuation code of conduct. In conjunction with Fannie Mae and Freddie Mac, the Attorney General developed the HVCC to limit the potential inflationary practices of home appraisals.

The HVCC remits banks to send copies of the appraisal to the borrowers at least 3 working days before the closing for no charge. It also forestalls lenders and other third parties from influencing or making an attempt to influence the appraisal in any way.

Lenders are now needed to indiscriminately select 10% of appraisals, test them, and report any misconduct to Fannie Mae or Freddie Mac. Estimates of in-home appraisers should not be the root of their compensation, and the appraisers should be independent of the sales staff of the lenders. State quangos are notified when infraction occurs in the appraisal process.

The HVCC is affecting 1-4 Family loans purchased by Fannie Mae and Freddie Mac. It does not affect FHA, VA, or jumbo loans. Non-public assignments are also unaffected, for example divorce appraisals, bankruptcy appraisals, tax grievances and tax appraisals. The HVCC applies only to appraisals, so automated valuation models, broker costs options, and tax assessments remain unaffected.

In contrast to common belief, communication between the real estate agent and the appraiser is not specifically proscribed by the HVCC ; however, it is intended to legally forestall the appraiser from obtaining payment for the appraisal directly from the borrower. A bank must permit a 3rd party to select, keep, and provide for all compensation to the valuer.

The HVCC doesn’t require the use of AMCs, Appraisal Management corporations. Appraisals may be ordered by lenders from indivdual appraisers. As long as mortgage brokers are picking, keeping, or providing payment of compensation to the appraisers, they are permitted to use specific AMCs directed by banks that use a group of authorized AMCs.

Under the code, lenders are prohibited from accepting appraisals that were ordered by mortgage consultants. Mortgage brokers are not allowed to provide lenders with a list of authorized appraisers for the bank to use when ordering appraisals.

The HVCC affects not simply the end user, but also each individual or company concerned in the Home Valuation industry. At the moment, only loans sold to Fannie Mae or Freddie Mac are dependent on the HVCC ; however, the FDIC, NCUA, and the Fed Reserve also have outstanding policies that will increase liability to both lenders and investors.

Technorati Tags: appraisers, business, finance, home appraisers, Home Valuation Code of Conduct, HVCC news, loans, mortgages, news, Real Estate

Wall Street watches oil prices like a hawk. Remember the early part of 2008 when oil prices skyrocketed from near $70 to almost $150 within a few months. This was more than a 100% increase in oil prices. Many hedge funds heavily betted on the increase in oil prices and made a windfall.

It is being studied whether the increase in the oil prices was due to speculation by the hedge funds. When the stock markets crashed in the middle of 2008, most of the hedge funds had to liquidate their investments in crude oil futures to cover the redemption pressure on them. Oil prices collapsed. Oil prices are down now due to low consumer demand because of the global recession. But it is being predicted by the experts that with a recovery in the global economy, the oil demand will rise and the prices will go up again. Oil demand in China and India plays a major role now.

As oil prices go up, consumers have to spend more on oil. The more they spend on oil, the less they spend on other products. The less they spend on other products, the less profit other companies make. Declining profits means declining stock prices.

The opposite case is also true; less the oil prices become, the more Wall Street becomes optimistic and exuberant about the profit potential of companies. This increased optimism and exuberance translates into a bullish stock market. Two large futures exchanges are used to determine the prices of crude oil. One is the New York Mercantile Exchange (NYME). The other is the International Petroleum Exchange (IPE).

Historically, rising oil prices have been associated with falling stock markets. NYME is where most of the crude oil futures are traded. By monitoring the movement of the crude oil futures in NYME, you can develop a feel of the future economic situation of the United States. Since oil is heavily traded in US Dollar, this affects the US Dollar. The net effect is however a bit complicated.

Lets take a look at it more closely to understand the two effects that pull USD with oil. When oil prices increase, the demand for US Dollar also increases. Most of the countries need US Dollar to pay for their oil imports. High demand for US Dollar means that it should appreciate.

But this is not the whole story. Increased oil prices also take its toll on the US economy. The question is which effect is more important for the forex markets.

The effect varies from one currency pair to another currency pair. If you are watching a currency that involves the USD and a currency representing a country that does well during the times of high oil prices like Canada that has huge oil reserves after Saudi Arabia, the effect would be drop in the value of USD/CAD pair. US imports more oil from Canada than any other country. If you are watching a currency pair that involves USD and a currency whose economy is hampered by the rising oil prices, the demand for USD will rise.

So what we can say is that some currencies have positive correlation with oil prices and other currencies have negative correlation with rising oil prices. The currency pair CAD/JPY shows the strongest reaction to rising oil prices. Japan imports almost 100% oil.

Watch for CAD/JPY currency pair, when oil prices are going to rise again. CAD is positively correlated with oil prices. JPY is negatively correlated. So CAD/JPY has the strongest reaction to the increase in oil prices. It can be a very good currency pair to trade during times of oil price boom.

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If you just bought a new house with a spacious basement and don’t know what to do about it, then what you need is a good plan.

Visualize – Like all plans, first thing that comes to mind is to imagine of what you want your basement to look like. However you want to use it, it pays to have a picture of finished basement in your head. Why is it so? Here are some of the reasons why it is important to do this.

- This is a project you can’t afford to fail. It is essentially part of the process. Yes it is. Any architect or interior designer will tell you that before any project will start, a design plan should be made. There must be an advanced perspective of what you want your basement to look like. If you succeed in this phase of having a picture of finished basement in your mind, then you are on the right track.

- Illustrations are a big help. As mentioned in the first pointer, you must have a clear picture ahead of your basement?s look. In doing this, it is required that you translate your idea into a perceptive sketch. You may draw it yourself or have someone with a talent in drawing do it for you. It doesn?t have to be in scale for now. The picture of finished basement should just be comprehensive and clear enough for those who might also help you build it.

- Pay attention to details. In drawing a plan of your basement, consider it highly. Accuracy in details is always an advantage and is necessary at this point. This is where you draw the plan to scale. This is where you start expanding your idea. The detailed perspective sketch of your basement can better lead you into drawing other details for the plan and will help you later on. Details in your picture of finished basement should be able to guide you in construction. And this is true especially when something falters in the process, you could always refer to the detailed plan.

- You know what to expect. The picture of finished basement that you drew guides you to your expectations. Starting from the sketch, you move your ideas backwards. Then you build it back up from there. It may be assumed that you do not know much about carpentry, construction materials, tools, and the steps in building your basement. But if your perspective is clear, it should be able to get your details planned out too. Of course, you cannot do this unless you have finalized and outlined your concept. Even if you just did it first in your head.

There are so many things you can do with your basement. You can use it as your home office. You can use it as a mini gym. Some households convert their basement into a mini bar for friends to party and hangout. And you probably had this figured out from the first day you bought the house.

Whatever you hope to use for it, it is up to you. Just always remember to take into serious consider to have a clear picture of finished basement before you decide what to do with it.

Technorati Tags: basement remodeling, family, finished basement, finished basement photo, home, Home Improvement, Real Estate

In recent times, many real estate agents have realized the power of the Internet for establishing their business online. Blogging has also become a powerful tool for achieving online social marketing visibility. In this context, blog pinging has also gained a lot of significance due to its benefits. With respect to blogging, ping is basically a push mechanism based on XML-RPC through which any weblog notifies or informs a server that its data or content has got updated. You can thus utilize the method of blog pinging for essential notification purposes.

When you implement blog pinging, a signal of XML-RPC will be delivered to either one or sometimes more “ping servers”. This, in turn, will produce a list of blogs having new and updated material. There are numerous tools of blog authoring that can ping multiple servers every time you create a new blog post or update an existing one.

If you wish to utilize blog pinging for enhancing your real estate social marketing advertising, you will find many options that can help you achieve this. There are many open ping servers that allow other web services to gain a subscription of a blog list that have pinged them recently. Search engines of blogs can also produce new results instantly by polling those blogs that have been newly updated.

Other than open ping servers, blog pinging also entails the use of proprietary ping servers. Information and data are collected by these servers only for their individual and personal applications. These types of ping servers are activated by popular search engines.

The difference between open and proprietary ping servers is that the latter possesses their own applications for subscription, and is under no compulsion to share their ping information with the rest of the servers. And since their obtained data is not shared, a number of different servers need to be pinged for achieving the targeted publicity for your business. To use blog pinging in these cases, you can opt for services such as the admired and trustworthy Ping-O-Matic which helps you to ping numerous proprietary ping servers.

In order to make the process of blog pinging even more useful and beneficial, Google has made a recent announcement that the pinging service of Google Blog Search is currently accepting pings from all blogs. To ensure that your latest posts get featured on Google’s Blog Search results, you must ping them whenever you create and post a new blog. There are two broad methods of doing this.

The first method of blog pinging is that of Manual Ping. It is a very straightforward method and you will need to visit http://blogsearch.google.com/ping and make an entry of the URL of your real estate blogs whenever you update them. The second method is Automatic Ping. Here Wordpress will ping Google automatically whenever you update your blog. You have to add http://blogsearch.google.com/ping/ to the box of your Update Services in the administration area of your Wordpress.

Blog pinging can be a practical technique when implemented correctly. To set up your online presence in the business of real estate and property dealings you can use blog pinging. All your real estate customers would know if you are adding new or removing sold out or rented properties. Therefore, it has the potential of contributing greatly to online social marketing.

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A lot of people are seeking more options for owning a vacation home. Fractional home ownership provides a somewhat new concept that is a cross between sole ownership and timeshares. The middle ground allows owners to own a deeded share in a vacation home.

Fractional ownership is different from a timeshare. In a timeshare, a buyer purchases a 2 week block of usage in a resort that can be traded between other timeshare owners at other resorts in the network.

In fractional home ownership, homes are divided into deeded shares that can be brought and sold through real estate agents. The homes are divided into 2 to 13 shares. In other words you have to 1/13 ownership in the home.

For example, if a lake home is divided in the 13 deeded pieces, each buyer would get to use the lake home 1 week a season for a total of 4 weeks a year. Other popular options are properties divided into 4 pieces where each owner gets to use the home 1 week a month and only share expenses with four other owners.

Most fractional ownership homes are situated in resort areas with private gates and private security services. Many of the homes have several amenities such as pools and spas. Some communities provide fractional ownership with condos and townhouses where the owners will share the amenities with other owners that may be vacationing at the same time.

Fractional ownership homes will have a homeowners association formed. The owners then pay HOA fees to a property management firm that is contracted to ensure the property is cared for and things like the utilities, insurance, taxes and maintenance are paid.

Many owners of fractional homes say that they choose this route as a means of owning a vacation property that they did not have to care for. They remained in an ownership position in a property that continues to appreciate.

Closing Comments

Fractional ownership may not be right for everyone, but does provide more options for vacationers who are looking for affordable options for ownership.

Technorati Tags: business, home, house, lake, land, property, Real Estate, vacation

Suppose you believe that the currency prices will not be able to follow through action in the direction of the breakout. Fading breakouts refers to trading against breakouts. When we believe that breakouts from support and resistance levels to be false and unsustainable we fade breakouts.

Fading breakouts tends to be more effective as a short term strategy. It is not meant to be a long term strategy. False breakouts are also known as fakeouts. False breakouts are a bane for breakout traders but boon for breakout faders.

Support level attracts the buyers enthusiasm for higher bids. It prevents the price from falling further. The resistance level attracts the sellers enthusiasm for shorting and it prevents the price action from advancing higher. Support and resistance are seen as the price floor and the price ceiling respectively.

It is perfectly logical for the crowd to think that if the support level is penetrated, then the price action should move downward. The crowd is more likely to sell than to buy when the price action breaks the support level from above. The idea of trading breakouts appeals to many independent traders especially those new to currency trading. The crowd likes to trade the breakout.

The opposite is true of a price break above the resistance level and the crowd usually concludes that if the resistance is broken, then the prices are more likely to advance higher in the rally. Hence, the crowd is more likely to buy than to sell when the price action breaks the resistance level from below.

You will find clusters of stop loss orders placed around both the support and resistance levels. These stop loss orders are placed by traders who have brought near the support level or have sold near the resistance level. Now you can also understand why there tends to be large number of entry stop orders placed just above a resistance level and also placed just below a support level.

When the currency prices crosses below the support level, long positions will be stopped out. Similarly, short positions will be stopped out when the price action breaks out above the resistance level.

Why most breakouts fail? One of the most important reasons why most breakouts fail is due to the fact that smart traders need to take the money from the novice and inexperience traders. The majority will cash out of the trading game broke. Always remember, it does not always pay to have the same mentality as the crowd.

Money has to be made from the majority. Not from the minority who got it right. The crowd holds the dumb money with the weak hands. Smart money belongs to the big players who have a couple of tricks to sabotage the crowd.

The most money is made when the crowd turns out to be wrong. When the crowd scrambles to get out of their losing positions, it causes vertical rallies or declines. Read Part II for more.

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