• Over 20 different carnival games, all played with the Wii Remote
• Test your skills with the Milk Can Toss, Lucky Cups and Clown Splash
• All-time favorites are here, like the always-popular Dunk Tank
• More than 250 prizes to win, from goldfish to stuffed toys

Product Description
Step right up! All the fun and excitement of your favorite Carnival Games is coming to Wii this summer. It’s the perfect multi-player game for moms, dads and kids of all ages. Are you ready to rack up the points in a game of classic Alley Ball? Got the muscle to ring the bell in Test of Strength? Been practicing your accuracy for the famed Milk Bottle Throw? Ready to get wet in the Dunk Tank? If yes, then join the action as your Wii remote transforms f… More >>

Carnival Games

Product Description
In an accessible A-to-Z format, this reference for the style-conscious young woman provides quick and easy access to everything a fashionista needs to know about clothes. With more than 200 entries, it is a veritable encyclopedia of fashion with information on the proper name of each item, its designer, the name of the celebrities who made it famous, and advice on what to wear with it. The book covers a wide array of wardrobe items—including tops, skir… More >>

Fashion 101: A Crash Course in Clothing

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• Handpacked Gift Baskets suited to every taste and budget.
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• arrive using expedited shipping or an additional 5-7 days using standard shipping.
• FREE Personalized Gift Card with all Gifts.

Product Description
Teeming with the finest products from the Rocky Mountain Chocolate Factory, these boxes open to reveal seven sweet surprises. Milk chocolate covered cashews, sweet and savory dark and milk chocolate Bavarian pretzels, classic English toffee, milk chocolate cashew Bears with caramel and dark chocolate drizzle, chocolate chip toffee cookies and milk chocolate covered almonds make up this Kosher gift. A great introduction to the rich, decadent handmade chocolate from t… More >>

Rocky Mountain Tower

Fashion is a term so popular today that I found no reason to explain it to you. So let’s come to the point. Whenever we talk about fashion, the first image that flashes in our mind is the image of a woman. Indeed, they are women alone who are most closely associated with fashion. However, in today’s world, men are also not in isolation from fashion. But, studies reveal that the craving for fashion is much intense in women than anyone else.

Fashion shows are being organized from time to time by various organizations in different parts of the world. In these fashion shows, models used to wear various types of fashionable cloths and walk through the ramp, to demonstrate these cloths to the fashion lovers over there. By and large, the changing fashion trends demonstrated through these events are also peculiar to women. Almost 90% of the fashion events and fashion shows are aimed at introducing new types of women clothing, designed by various fashion designers. The fashion events for men are almost none in relation to women.

The most well known fashion events organized in various parts of the world time and again include London Fashion Week, Milan Fashion Week, Paris Fashion Week, Lakme Fashion Week, Singapore Fashion Festival and so on. In all these and many other such events, women play a vital role. Besides fashion events, there are a lot of magazines, television channels, websites and other media for promoting fashion. Whatever, the presence of women is indispensable for the existence of fashion industry and fashion events.

Besides women fashion clothing, other women fashion accessories include costume jewelry, women’s footwear, fashion bags, ladies leather wallets; to name a few. Fashion and women are more or less complementary to each other. Fashion prospers due to women, and women in turn are served by fashion.

You know what a mortgage is, how it works, and what to watch out for. But when you go asking for mortgage assistance, your lender’s words make about as much sense as alien banter. That’s what makes the Loan Modification process so confusing for many homeowners—and why many of them simply give up.

But you don’t have to be a financial expert to make sound decisions. A working knowledge of the lending and loan modification industry can help you better understand your situation, and know exactly what your lenders mean. Below is a list of terms you’re likely encounter in a loan modification, and what they mean for you.

Amortization: The repayment of a loan (usually a mortgage) through regular installments. The payments are determined by the term of the loan, the principal balance, and the interest rate.

Annual Percentage Rate (APR): The total cost of the loan, including the interest, mortgage insurance, points, and other associated fees.

Adjustable-Rate Mortgage (ARM): A type of mortgage in which the interest rate changes according to market conditions. This means your payments may increase or decrease from month to month. Most ARMs have a payment cap that keeps the amount from rising beyond certain levels.

Debt-to-income ratio (DTI): The ratio of the amount you pay on the loan to your total income. Lenders use this to determine whether or not you can comfortably pay the loan. According to the Federal Housing Administration (FHA), the mortgage payments should not exceed 29% of your monthly income before taxes, and your total debt (including credit cards and other loans) should not go over 41%.

Deed-in-lieu: A deed that passes interest in your property to your lender as settlement for your debt. It doesn’t let you keep your home, but it helps you avoid the foreclosure proceedings and associated costs.

Equity: The amount of financial interest you have in your own property. This is calculated by subtracting the amount you still owe from your home’s fair market value.

Fair market value (FMV): A theoretical price given to your home considering the current market conditions. The FMV assumes that the buyer and seller are acting freely and have all the pertinent information for the deal.

Fixed-rate mortgage: A type of mortgage that uses a fixed interest rate throughout the term of the loan. This gives you more stability as a borrower, as your payments will remain the same regardless of the market figures.

Foreclosure: A process wherein your property is sold off and the proceeds go to your lender, allowing them to recover their losses when you default on the loan.

Forbearance: An agreement in which your lender revises your payment plan to help you get current and avoid foreclosure. This may involve lowering your monthly payments or suspending them for a given period. Unlike loan modification, this is usually temporary and is often used as a loss mitigation option.

Good faith estimate (GFE): An estimate of the total cost of the loan, including all the closing fees, lender charges, and insurance costs. All lenders are required to give you a GFE within three days after you apply for a loan.

Interest: A percentage of the principal added to your monthly fees, as a way of paying your lender for the use of money.

Interest Only: A loan structure in which you only pay interest for the life of the loan, and pay the principal only after a given period.

Lien: A claim held by your lender against your property as a form of security in case you default on the loan.

Loan-to-value ratio (LTV): The ratio of the total amount you pay on the loan to the actual price of your home. The higher the LTV, the less you have to put out as down payment.

Loss mitigation: A process that helps borrowers to avoid foreclosure and lenders to minimize their losses on delinquent borrowers. When you fall behind or apply for a loan modification, your lender’s Loss Mitigation office will handle your case and make the decisions.

Mortgage banker: A firm that resells loans to secondary lenders, such as Fannie Mae and Freddie Mac.

Mortgage broker: A person or company that serves as a mediator between agents, buyers, sellers, and mortgage lenders. Brokers are paid by a percentage of the amount earned by the lender or seller. Lenders are required by law to disclose all fees paid to brokers and other parties, so you can be sure they’re not making kickbacks at your expense.

Mortgage insurance: An insurance policy that helps minimize losses for your lender in case you fail to keep up with payments. This is usually required for borrowers who make a down payment lower than 20% of the purchase price.

Principal Balance Reduction: A type of loan modification in which your lender reduces your principal balance to lower your monthly payments. Lenders usually grant this only to people from heavily depreciated areas, or when the amount they write off is still lower than the cost of foreclosing on your home.

Refinancing: A process wherein you take out one loan to pay off another. This allows you to enjoy better loan terms, such as a lower interest rate or a more stable structure.

RESPA: Real Estate Settlement Procedures Act. This is a law that requires all lenders to give you a Good Faith Estimate (GFE) of the loan and disclose all the fees involved. It also gives you the right to dispute any fees or even cancel the loan within a reasonable time frame.

Short sale: A common alternative to foreclosure. In a short sale, you sell the home for less than its fair market value, and give the proceeds to your lender as payment for the home. Although it won’t let you keep your home, it’s less damaging to your credit than a foreclosure.

Teaser Rate: An introductory interest rate offered on many mortgages to draw in borrowers. After the introductory period, the interest reverts to normal rates, increasing your monthly payments for the rest of the loan.

Teaser Rate: A temporary rate reduction at the inset of a loan.

TILA: Truth in Lending Act, also known as the National Consumer Credit Protection Act. This law requires lenders to give you complete information about the terms and total cost of the loan.