Saturday, March 31, 2012

Can A First Time Home Buyer Buy After Bankruptcy? | REALTOR ...

questions

Q:Buying after bankruptcy, can it be done? Can I find a Realtor that would help me on that? I?m a first time home buyer and I need help please.
?Romy, Brandon, FL

A: Consult a mortgage broker in regards to what products could potentially be available to you and what the qualification criteria is. Keep in mind that a Realtor can represent you in the purchase of a property, whereas a mortgage broker/loan officer can assist you in the financing aspect of it.
Alex Cortez is a Realtor? with Wailea Village Properties LLC dba/Island Sotheby?s in Kihei, HI.

A: You need to find a good lender and see what they can do. Lenders assist their clients with credit repair often. If there is a way to get you into a home loan, a good lender will find it.
Tracey Martin is a Realtor? with Realty World Premier Associates in Salinas, CA.

A: A Realtor can help you identify a home and negotiate on your behalf. Take a step further and schedule to meet with a local lender in your area that will look at your financial situation, the bankruptcy, etc. and set you on the right path for becoming a homeowner. It can be done, you just need to start at the right place and that is with the loan qualification process.
Maria Jeantet is a Realtor? with Coldwell Banker C & C Properties in Redding, CA

A: I would start by contacting a mortgage professional to see if/what you can qualify for.

Good luck!
Ben Fisher is a Realtor? with Summith Sotheby?s International Realty in Park City, UT.

A: It can be done, You have to wait a certain amount of years. You need to speak to a lender and they will advise.
Caroline Frenette is a Realtor? with RE/MAX DFW Associates in Flower Mound, TX.

A: You may be able to finance the purchase of a home two years after you have received your bankruptcy discharge, but you may qualify as early as one year after filing Chapter 13, or one year after discharge in Chapter 7.

Since a large proportion of home loans depend on FHA or VA loan guarantees, your ability to qualify for those guarantees may determine when you are able to obtain a home loan.

The FHA will insure mortgages to individuals who have filed Chapter 7 liquidation bankruptcy two years after the discharge if ?the borrower has re-established good credit (or has chosen not to incur new credit obligations), and has demonstrated an ability to manage financial affairs.?

With a good credit score you have many options for obtaining a loan. FHA, RHS, VA (if you have Veteran status), State and Local programs along with Conventional conforming or non- conforming loans should all be potential options for you.

The FHA has their own guidelines for loans they will accept. Keep in mind that FHA is not a bank; it?s a government agency that insures loans from FHA approved lenders. While the FHA will have its rules, a bank will also have its own rules as well. Most banks today are only willing to finance FHA loans with credit scores of 640 and above. The FHA however will allow loans with credit scores as low as 540 with 20% down. Also, the FHA will require that you put down a minimum of 3.5%.

Conventional loans are typically for borrowers with money to put down (10-20%) and good credit scores. Most lenders in today?s market require a middle credit score of 660 or better to qualify for a conventional loan. To get your best deal you will need a credit score of at least 720. Since conventional loans are approved through underwriting engines created by Freddie Mac and Fannie Mae, the higher your credit scores are the better terms (rate) you will get. Conventional loans currently require a minimum of 5% down. Except in rare circumstance, no money down loans are a thing of the past and getting rarer by the minute.

Interview mortgage brokers and obtain recommendations on them to find the one that works best with you. Your new mortgage broker will then be able to show you an entire suite of loan options.

Good Luck!
Lee Dworshak is a Realtor? with Keller Williams LA Harbor Realty in Rancho Palos Verdes, CA.

A: It can be done. You would need to build up your credit history again. Generally it will take at least two years before creditors may take a look in your direction again, but be prepared for higher interest rates and stiffer terms.The bankruptcy will stay on your record for 10 years, but it does not mean that you will not be able to get credit till then.
Adam Aguilar is a Realtor? with Reliantra in West Toluca Lake, CA.

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Related posts:

  1. If I Filed Chapter 7 Bankruptcy, How Long Before I Can Buy A New Home?
  2. How Soon After A Bankruptcy Can We Get A Home Loan?
  3. Where Can I Go To Qualify For A Loan If I Have A Low Credit Score?
  4. Can I Buy A House After A Bankruptcy And Foreclosure?
  5. How Can We Get Financed For A Home When We Have Bad Credit?

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Online MLM Applying Internet Marketing Accomplishment

This article has been viewed 17 times.

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Using Online MULTILEVEL MARKETING
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Celebrities on Holiday: Abbey Crouch and Sophia in Dubai ...

HOLIDAY IN DUBAI, UAE

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?With her husband busy as a full-time footballer, Abbey Crouch (Abbey Clancy)?doesn?t get much of an opportunity for a family holiday. So the Liverpudlian model has left Peter at home in England as she whisked their one-year-old daughter Sophia away to Dubai for a pre-Easter break. And on arrival in the Middle East, the 25-year-old WAG couldn?t wait to hit the beach.?

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On the beach Abbey wore a ?178 Vix Betsey monochrome bikini. Her daughter looked adorable in a flora, frilly bikini and headscarf, she wore to protect her little head from the hot sun.

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?With husband Peter, 31, back in England due to his footballing commitments with Stoke City, Abbey has been staying at the luxury five-star Grosvenor House Hotel. The trip marks her second visit to the hotel after she brought her mother Karen over for the opening last November. No doubt Mrs Crouch will be staying in a luxury suite at the hotel, where rooms range in price from ?200 to ?400 a night.

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This latest trip marks Abbey?s fifth holiday since becoming a mother to little Sophia on March 14 last year. Last September, they enjoyed a family holiday to the Italian island of Capri and a honeymoon in Ibiza. The family also had a pre-wedding break in Sardinia ? where they visit every year ? just days before their lavish wedding in Leicestershire.??dailymail

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Video: Governors fight back over ?pink slime?

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Chavez leading rival in run-up to Venezuela elections

The president of Venezuela has a double-digit lead over opposition candidate Henrique Capriles.

President Hugo Chavez has a double-digit lead over the opposition's presidential candidate, but a quarter of Venezuelan voters haven't committed to either candidate, a poll said Thursday.

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The survey released by the Caracas polling firm Datanalisis said nearly 45 percent of those polled said they would vote for Chavez, while 31 percent supported Miranda state Gov. Henrique Capriles. About 25 percent were undecided.

"Those undecided ones are going to indicate the trend in the future," said Luis Vicente Leon, the polling firm's president.

RELATED:?Think you know Latin America? Take our geography quiz.

Chavez, who has been in office since 1999, is seeking another six-year term in the Oct. 7 election.

The survey questioned about 1,300 people in Venezuela between Feb. 29 and March 7, and had a margin of error of nearly 3 percentage points, Leon said.

He said the percentage of people expressing no choice for a candidate had increased since the firm's previous poll a month earlier, when almost 50 percent said they would vote for Chavez and 35 percent backed Capriles.

Leon said the monthly poll is paid for by about 300 clients that include both private businesses and state companies as well as individuals. He said some of the clients include political leaders, but he didn't identify them.

About 62 percent of respondents said they viewed Chavez's performance favorably, compared to 50 percent who had a favorable view of Capriles' performance as governor.

Poll results have varied widely in Venezuela recently, with each political camp touting dueling figures. Government media have reported on polls indicating Chavez is ahead of Capriles by as much as 30 points. Last week, the polling firm Consultores 21 released a survey indicating Chavez and Capriles are running head-to-head.

Chavez appeared on state television early Thursday after returning home from a five-day round of radiation therapy in Cuba, where he has been undergoing cancer treatment.

"Thanks to God, I've withstood the treatment very well," Chavez said. "Let's hope that's the case next time."

He said that the radiation treatments had been administered for five days in a row and that he would be in Venezuela until Saturday, when he plans to return to Havana for the next round.

Chavez has said the radiation therapy is intended to prevent any new cancer threat after a surgery last month that removed a second tumor from his pelvic region. He had another tumor removed from the same location in an earlier operation in June.

The 57-year-old leftist president has vowed to overcome cancer and win the October vote.

During a Thursday evening speech to beneficiaries of government housing programs, Chavez charged that his opponents are conspiring with officials in Washington to level accusations of fraud and provoke street violence if he is re-elected to a fresh six-year term.

"It's a plan. The government of the United States is behind this plan," said the longtime critic of U.S. policies in the region.

He suggested that Capriles and fellow opposition leaders are pursuing the alleged plan because they are convinced they will lose the election.

Chavez said he has ordered intelligence agents to observe opposition-allied state governors and mayors as well as the chiefs of their respective police forces, to ensure security forces are not used to stir up trouble when election results are released.

The president also warned large businesses, particularly banks owned by opposition sympathizers, that their businesses could be nationalized if his government discovers they have financed such plots. He did not offer evidence supporting his accusations.

RELATED:?Think you know Latin America? Take our geography quiz.

Capriles, 39, won a February primary vote to become the opposition's only candidate. Capriles says he favors social programs for the poor but also criticizes Chavez's expropriations of private business and says if elected he will seek to encourage private investment to create jobs.

Capriles has also focused some of his recent criticism on rampant violent crime, which Venezuelans view as the country's top problem, according to recent polls.

"Every year, the violence has gone up," Capriles told reporters on Thursday. "In any country in the world, the first one who's responsible is the head of state."

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10 Alternative Spring Break Trips In Latin America And The Caribbean (PHOTOS)

For an outdoor adventure during Spring Break, Costa Rica is the place to visit. The Central America country is a hot spot for surfers and other wildlife fanatics.

Deemed as the ideal place for "adrenaline junkies" by Lonely Planet, Costa Rica is for those who like canopying, zip-lining, visiting active volcanoes or doing coast-to-coast mountain biking.

And, of course, there's great partying too!

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Friday, March 30, 2012

Knicks rout Magic, climb back above .500

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Laughing in Church | Laugh With Us Blog

My name is Shari. I am a midlife Christian stay at home mom and Grammy. We have 7 kids, but only 3 left at home. They range from ages 11 to 35. I blog at Faith Filled Food for Moms and Grandmothers about my faith, parenting, step parenting, grand parenting, gardening, cooking, blended families, addiction, product reviews and everything in between.

Humor is a coping tool in our family to deal with the stresses of life, the different stages of parenting, or just plain getting through the day. My husband and I have been known to dance down the isles of the grocery store, sing in the department store, skip through the malls, and put on ?very special? performances for our kids? friends.
Our younger kids tend to complain to our older kids on occasion about our ?unique? parenting style, but of course the bigger kids simply smile, shake their heads and say, ?If we had to deal with them, so do you!?

Our family has been local missionaries in a church restructure and rebuilding for the past year. The church membership was down to about 60 members and most all of these members are elderly. One Sunday morning, not too long ago, we were all sitting in church together. It came time for giving and ?passing the basket? so our worship Pastor got up and started singing and playing the guitar. There was just silence (besides him singing.) Now the words were up on the overhead, so we wondered why no one else was singing. My husband and I just start singing anyway. It was rather awkward, but we?re used to being awkward.

I could feel the tension in my two teenagers that were sitting next to us. I looked over, and they were looking at us with funny smiles on their faces. My daughter mouthed, ?Why isn?t anyone singing? Stop singing! How embarrassing! Nobody is singing but you two!? She said this across her brother who is 15 1/2. He just sat there looking at her with a smirk on his face.

Well, we couldn?t resist singing even louder.? As our daughter, who is 13, was dying of embarrassment, and sinking deep into her seat, I turned to my son and whispered ever so calmly, ?Join us.?

The look on that child?s face was priceless. At first it was like the deer in the headlights stare, but then all of a sudden he and I started to laugh. He realized I was kidding him. We started laughing so hard and so loud, that my husband was even embarrassed. We tried to get back to being serious, but too late, everyone was staring at us.

Although we probably made a spectacle of ourselves, it was one of those rare moments that I got to wholeheartedly laugh with my teenage son. I wouldn?t change it for the world. We never did figure out why no one else was singing!

Related posts:

  1. Fall Festival at our Church 2010
  2. I?m Laughing on the Inside

Source: http://www.laughwithusblog.com/laughing-in-church/

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Shooter of Florida teen appears uninjured in video

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Source: http://news.yahoo.com/shooter-florida-teen-did-not-appear-injured-video-030514433.html

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Analysis: Spain's banks may need more public cash

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Source: http://news.yahoo.com/analysis-spains-banks-may-more-public-cash-115416094.html

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Kim Kardashian Trashes Tabloid: I'm Not a Man Stealer!


According to just this week's tabloid covers alone, Kim Kardashian is going through Hell and is suffering from the vengeful wrath of Kris Humphries.

But while Kim has remained silent on those topics, she felt a need to speak out yesterday on yet another magazine claim: that she stole Eduardo Cruz from Eva Longoria, as the following headlines screams:

Kim Kardashian: Man Stealer!

"I'm used to rumors & almost never address them," Kardashian Tweeted, adding that this is an exception because: "It's not ok when magazines like InTouch involve my close friends in their made up stories. They were told by multiple people that their current cover isn't true, but they decided to go ahead. & run it anyway. So there you have it."

We, sadly, have nothing to criticize Kim about in this case. She's probably right on this one.

But, ummmm, look how photoshopped the Kardashians are in this bikini picture!

Source: http://www.thehollywoodgossip.com/2012/03/kim-kardashian-trashes-tabloid-im-not-a-man-stealer/

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Personalized News App Zite Comes to Android

Top Stories pageZite, the newsreading startup acquired last year by CNN, is launching its Android app today. Co-founder Mike Klaas demonstrated the app for me earlier this week. The interface and features should be pretty familiar to anyone using the previous versions. You enter your Facebook or Twitter information, then Zite brings up a stream of stories that are likely to interest you. You can improve the app's understanding of your tastes by hitting the thumbs up or down button for each article. And you can import your account if you've already set one up on a different device. (Klaas says there's a fair amount of overlap between iPhone and iPad users, but he's not sure whether that'll be the same with Android ? "The question is, what tablet do Android users use?")

Source: http://feedproxy.google.com/~r/Techcrunch/~3/gkhii66mVeU/

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Posts from Shopping-and-Product-Reviews:Collectible-Jewelry ...

How Many Wrist Watches Do You Think There Are?

By Anonymous on Mar 27, 2012 03:38 pm

I recently began an internet business selling watches, and while studying my niche market, I was overwhelmed at the vast range of styles and brands available. I have been pre-occupied with thinking about how big the market the market is - how many watches there are in our universe.
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All You Must Know About Unique Rings for Women

By Anonymous on Mar 26, 2012 05:56 pm

Unique rings for women are the modern world innovation which provides you with lots of pretty designs and styles in rings. They hold a great importance in every individual's life, as it is given on engagement ceremony or wedding ceremony, depending on the religion. In different religions there are varied timings of giving rings to the partner, in some religions it is given to the women on the wedding day whereas in other religions, they are given on engagement day.
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All You Must Know About Silver Rings for Men

By Anonymous on Mar 26, 2012 05:55 pm

Silver rings for men are quite popular as people want different things, but not the old styles. Today, people prefer silver rings instead of gold rings. Gold is now available in different colors like white, pink, copper etc.
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Exploring the Top Ten Categories of Israeli Jewelry

By Anonymous on Mar 26, 2012 01:49 pm

We venture to explore the top ten categories of Israeli jewelry. We will also be looking at the criteria we use to arrive at the respective categories. This information should be useful to anyone considering buying jewelry from Israel. It should also be useful to anyone considering starting to deal in Jewelry from Israel (or jewelry designed by Israelis in the Diaspora). Further, it should be useful to anyone thinking of becoming a commentator on Jewish jewelry.
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Cartier Love Charity Bracelet

By Anonymous on Mar 26, 2012 08:34 am

Cartier is one of the best known and longest established makers of fine jewellery in the world. The famous French designer has been coming up with new and innovative designs for many years and is considered to be at the leading edge of the industry. Not content with being the market leader, Cartier have become more socially aware and are becoming increasingly more involved in charities across the globe.
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Phosphosiderite - A Rare Gemstone - Its Characteristics and Properties

By Anonymous on Mar 23, 2012 06:20 pm

This article talks in detail about Phosphosiderite gemstone. It includes details on its color, origin, basic characteristics and its properties.
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How To Take Care Of Your Bone Bracelets When Not In Use

By Anonymous on Mar 23, 2012 04:28 pm

Bone bracelets are handcrafted by skilled men and women with the inspiration of the culture of the past. These are buried treasures that can be worn by people of all ages as fashion accessories.
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Choosing Body Jewellery - Which Metals Are Safe for Piercings?

By Anonymous on Mar 23, 2012 12:43 pm

Body jewellery has the ability to give an eye-catching, stunning and unique look. But whether you are looking at nose studs, labret studs or more exotic body jewellery, safety should be a priority. Cheap throwaway jewellery can irritate the skin, harbour bacteria and even release harmful impurities into the bloodstream. It is important to understand which metals are safe for your body jewellery.
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Pandora Style Charm Beads: The Advantages That They Offer

By Anonymous on Mar 23, 2012 12:29 pm

There has been a huge increase in the number of people who are making charm bracelets over the last few years. The main reason for this is the introduction of Pandora bracelets. They greatly simplify the process of making them and allow you to change the design anytime that you want. These along with their other advantages have made them hugely popular.
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Tips On How To Purchase Quality Glass Beads

By Anonymous on Mar 23, 2012 10:55 am

Most of the glass beads available today are handmade. It is believed that the first glass beads were made 9000 years ago. In those days, they were used not only in jewelry making, but they were also equivalent to money and traded for things. Beads made of glass can be found in many different colors, sizes, shapes and finishes.
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Save Money and Buy Your Beads in Bulk

By Anonymous on Mar 23, 2012 08:32 am

Beads are certainly beautiful, but let's face it. They can sure be expensive! There are places you can shop online for beads bulk. It doesn't matter the style of bead you prefer, you can probably find it in bulk from one of the huge bead warehouses.
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What Are Pandora Style Beads?

By Anonymous on Mar 22, 2012 06:24 pm

Over the last few years Pandora style bracelets have become very popular, that being said there are a lot of people who really don't know what they are. While it would not be fair to give them all of the credit for the massive increase in popularity in charm bracelets over the last few years there is no getting around the fact that they are a major contributor. They offer a lot of advantages over the way that things were done in the past.
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Some Things To Know About The Lampwork Beads

By Anonymous on Mar 22, 2012 05:25 pm

There was a time when glass was not part of everyday life. But when glass started being made, it used to be a carefully guarded secret. The technique of making glass was only passed on from fathers to their sons.
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How To Buy Quality Lampwork Beads?

By Anonymous on Mar 22, 2012 05:25 pm

For a jewelry maker, it is always essential to buy quality jewelry making supplies such as jewelry tools, beads and wires and equipment. Lampwork beads are made from glass and this means that they have greater chances of breaking or splitting compared to other types of beads used in jewelry making.
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Types of Watches for Men

By Anonymous on Mar 22, 2012 01:59 pm

Watches are for men as pearl necklaces are for women. They are a must-have accessory that is not only fashionable, but also functional. There are hundreds of different accessories for women, but not many men can't get away with a diamond ring, so the right watch might be the way to go.
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Jewellery That Lets You Create A Number Of Different Looks

By Anonymous on Mar 22, 2012 12:11 pm

The way that Nomination charm bracelets differ from other bracelets is that with traditional bracelets, charms will attach on the bracelets whereas the Nomination charms connect together to make the bracelet- they just clip in. Nomination bracelets can be begun by a starter bracelet which are made-up of lots of simple links connected together that are then replaced by the charms as you progressively buy them (this means that you don't have to purchase all your desired charms at once!).
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Jewellery That Can Be Suitable For A Range Of Different Occasions

By Anonymous on Mar 22, 2012 12:04 pm

Many people aim to look really individual and unique when it comes to what jewellery they're wearing - this is why they choose to wear Thomas Sabo charms. They are made to a really high quality and the recognised brand even has celebrities as fans! Celebrities constantly have to ensure that they look good and are always in the public eye so must ensure that they are wearing decent quality products such as Thomas Sabo charms.
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Picking Jewellery To Reflect Your Personality

By Anonymous on Mar 22, 2012 12:02 pm

It's common for people to spend a lot of time trying to find the perfect types of jewellery for them as there is a wide range of different types on the market. One of the main things that people are concerned about when it comes to jewellery is the quality. It's important for people to find jewellery that will stay in great condition for a long time and still look like new!
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Looking To Buy A Key Chain? Here Are Some Of The Many Types To Choose From

By Anonymous on Mar 22, 2012 11:33 am

A key chain is a small chain that is usually made of plastic or metal and is attached to a keyring. Key chains are functional and practical items for anyone to use. The main function is to help secure keys.
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Why Are Some Fountain Pens Just Plain Interesting?

By Anonymous on Mar 21, 2012 09:28 am

Engravers Script is one of the writing styles that I have been trying to learn, so the Pilot Custom 742 with a Falcon nib seemed to be the ideal pen. I have several Pilot pens so I knew the quality and finish would be good and I wasn't disappointed.
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Chrysocolla Gemstone - Meaning, Origin, Healing Properties, Uses, Similarities and Care

By Anonymous on Mar 21, 2012 09:02 am

This article talks about Chrysocolla gemstone. It provides information on the formation of the stone, healing properties, uses and care details in brief.
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Source: http://wedding-dresses-womens-clothes-online.blogspot.com/2012/03/posts-from-shopping-and-product_28.html

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Source: http://morannorberto107.typepad.com/blog/2012/03/posts-from-shopping-and-product-reviewscollectible-jewelry.html

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