Urgent Request for Action: H.411

Urgent Request for Action: H.411

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Bernard -- Tomorrow, Tuesday Jan 25, the House Committee on Natural Resources, Fish & Wildlife has scheduled discussion and a possible vote on H.411 which is a Wanton Waste bill. We have several issues with this version, not the least of which is there have been no allowances made to allow us or other groups to give testimony on this version. Last year there were several versions of this bill.  The previous Commissioner, the Federation and other sporting groups believed that version 2.1 or 3.1 was something that could be supported.  Then came 4.1, and our ability to support it was lost. Regarding version 2.1 and 3.1; these versions resulted from a working group that studied this problem and produced language that was acceptable to sportspeople. On January 10th, and for some inexplicable reason that defies our understanding of "normal" bill processing, we are now back to version numbered 1.1, which seems to be a slightly re-worked version of 4.1, when we should have expected 5.x. This new version 1.1 is not a bill we can support, and from what little testimony that has been allowed on this version last week:  Commissioner Herrick does not support this version either. As a brief reminder, when the Federation asked to give testimony on several bills in this Committee last year, and despite all other groups seemingly being given as much time as they wanted, the VTFSC was limited to just 30 minutes - TO DISCUSS 4 BILLS.  That was all the time we were allotted - 30 minutes - across the entire last session. It is bad enough we have to do the people's business almost entirely remotely. It now appears that we will not even be able to speak AT ALL on this new version; meaning the input of the largest sportsman's lobbying group in this state is being brushed away as irrelevant.  The majority in the committee think they know what is best for us and Vermont. This is NOT the approach to a democratic process that we expect. Below is a list of emails that correspond to the Committee and the Speaker of the House.  Please send an email to all of them (you should be able to cut & paste this list into your email program), with a subject of:  "NO to the latest version of H.411 (1.1)". asheldon@leg.state.vt.us jmccullough@leg.state.vt.us hsmith@leg.state.vt.us sbongartz@leg.state.vt.us nbrownell@leg.state.vt.us kdolan@leg.state.vt.us plefebvre@leg.state.vt.us lmorgan@leg.state.vt.us kmorris2@leg.state.vt.us lsatcowitz@leg.state.vt.us tterenzini@leg.state.vt.us jkrowinski@leg.state.vt.us In the body of your email, please be polite, and ask the Committee to support a version of this bill that can be supported by the Vermont Department of Fish & Wildlife.  It's F&W business to know how to handle F&W issues that effect Vermont - they have been successfully doing that for years and years.  This committee knows better? Thank You Donate to defend your rights: Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.

VT Non-Game Wildlife Tax Checkoff

Non-Game Wildlife Tax Checkoff

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Bernard -- VT Fish & Wildlife - Remember Non-game Wildlife Tax Checkoff MONTPELIER, Vt. – Vermonters can express their passion for wildlife conservation by donating to the Non-game Wildlife Fund on their state income tax form this year, according to the Vermont Fish and Wildlife Department.  The fund helps protect some of Vermont's most threatened wildlife such as bald eagles, lake sturgeon, rare plants, and Indiana bats. "Every dollar Vermonters donate to Non-game Wildlife Fund on their taxes is nearly tripled," says Rosalind Renfrew, Fish and Wildlife's Wildlife Diversity Program Manager.  "Donations are leveraged by matching federal grants, meaning that a $35 donation can help secure up to another $65 in federal funds for wildlife conservation in Vermont.  That's a fantastic deal for all of us who care about wildlife." "The Non-game Checkoff donations, along with hunting, fishing and trapping license revenue, have helped recovery efforts for Vermont's peregrine falcons, loons, ospreys, bald eagles, American martens, Indiana and northern long-eared bats, spiny softshell turtles, and other species," said Director of Wildlife Mark Scott.  "The common loon, osprey and peregrine falcon are no longer endangered species in Vermont due to science-based management that continues to benefit those species." Vermont Fish and Wildlife biologists manage non-game wildlife projects that are diverse and include mammals, birds, turtles, fish, frogs, bees, freshwater mussels, and plants, as well as the habitats and natural communities they need. "The Non-game Wildlife Fund has helped some of our greatest wildlife success stories in Vermont," said Scott.  "Thanks to the generous donations of thousands of Vermonters, we are restoring many of the iconic species of the Green Mountain State." Please help support Vermont Fish & Wildlife.   Donate to defend your rights: Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.

Alert - Action Required on Conte Wildlife Refuge

ALERT!!! ACTION REQUIRED!!!

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Bernard -- As you know, the Silvio O.Conte Refuge Hunting Plan came out September 1, with several unwarned restrictions on the use of ALL hunting dogs along with other departures from Vermont state law. Senator Leahy is seeking $8M from congress to expand the refuge holdings in Vermont, and we have some real concerns about that in light of recent actions by folks administering the refuge. Restrictive changes were made to the substance of the plans that had not been indicated as even being potential considerations in the drafts the public was given to review. This being the case, the public was never given an official opportunity to weigh in on these issues. This is an unacceptable approach for the USFWS to have taken, and this undermining of the public's trust will make it impossible to support any proposed future expansions of USFWS holdings in the state. If we can't trust the planning process to be open, transparent, and inclusive, if we can't trust this federal entity to have open discussions about their intentions for Vermont, then we can't accept their intent to expand their holdings in our state whether it be for the Conte or Missisquoi refuges. Decision makers in Massachusetts do not know what is right for Vermont. Please share this email with friends and have them follow your lead by writing to Tom Berry at the office of Senator Leahy and directing him to inform the senator that based on these underhanded behaviors, you cannot support any expansion of Refuge holdings in Vermont. Tom may be reached at: Tom_Berry@leahy.senate.gov On the Conte Refuge, along with several other rules that were dissented with based on the draft, Vermonters were blindsided with the following unwarned restrictions on training and hunting with dogs: Hunters using more than two dogs must possess a Special Use Permit to be issued or denied at the pleasure of the refuge manager. At the Putney Mountain Unit, dogs may not be used for hunting any species other than ruffed grouse. (This is so specific as to include waterfowl and woodcock in the prohibition.) The Refuge will not allow training of dogs as governed by State regulations during Vermont's June and July training seasons, and will only allow it in August with a Special Use Permit issued or denied at the pleasure the refuge manager. These changes were added after public comment was closed under what one refuge employee referred to as a "gag order" with no structured opportunity for public comment on them. These drastic and unsupported changes require at a minimum an opportunity for public input. Additionally, hunting hours are restricted beyond Vermont regulations on the Putney unit, and hunting is restricted from unmaintained roads on the refuge despite opposition to that rule by the Vermont Department of Fish and Wildlife as well as advocacy groups such as the Vermont Traditions Coalition and several of our partners. While these two restrictions were at least discussed in the draft plan, they are worthy of note as they, along with the restrictions on the use of ALL hunting dogs, fly in the face of both the Refuge Improvement Act of 1997 and Department of the Interior Secretarial Order 3356. For those who are unfamiliar, the Refuge Improvement Act acknowledges that hunting and fishing are compatible, priority uses of the National Wildlife Refuge System, and Department of the Interior Secretarial Order 3356 directs the Service to both increase hunting and fishing opportunities and access, and to make refuge regulations as consistent with state law as practicable.  Several existing refuge regulations were both inconsistent with state law and unnecessary, but to further restrict access to this public resource and to undercut the work of the Vermont Fish and Wildlife Department with these surprise rules on hunting is abhorrent to the Refuge Act, the Secretarial Order, the administrative process, and the public trust.    Donate to defend your rights: Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.

Mortgage Broker Los Angeles FAQ

Mortgage Broker Los Angeles FAQ

You can visit this link for more information about Mortagage Broker Los Angeles - https://sites.google.com/view/localcalifornia/mortgage-broker-los-angeles What is the average broker fee for a mortgage? On average, a mortgage broker will get paid somewhere between 1% and 2% of the total value of the loan, which can obviously be a substantial sum. Is it cheaper to go through a mortgage broker or bank? Pricing with mortgage brokers can be just as competitive as a bank, as long as the broker doesn't take too much off the top. ... Wholesale rates can actually be much cheaper than retail interest rates you'll get with banks, meaning a lower monthly mortgage payment. Do you pay more with a mortgage broker? Usually the lender pays the mortgage broker after the loan closes, but sometimes the borrower pays the broker at closing. Either way, the mortgage broker receives a fee that is a small percentage of your loan amount, usually 1% to 2%. When the borrower pays, the fees can be rolled into the loan amount. Is it safe to use a mortgage broker? Working with a mortgage broker has almost no downside, because you aren't obligated to move forward with your mortgage application until after you find out what mortgage rate you can secure and from which lender. In the best case scenario, you'll save thousands of dollars in interest on your mortgage. What is the maximum commission a broker can charge in California? In CALIFORNIA , this maximum rate is 10%, or 5% over the Fed discount rate, whichever is greater. How do mortgage companies rip you off? In some cases, lenders accept your application and then charge you fees even if you cannot qualify for the mortgage. This is a way lenders rip off unsuspecting borrowers. Not only is your mortgage application declined but you may also lose hundreds of dollars in unnecessary fees. Is Quicken Loans a broker? Whereas sites like LendingTree and Zillow essentially act as brokers, sending your basic information to multiple mortgage providers, Quicken Loans is a direct lender. That has its pros and cons. Why choose a mortgage broker over a bank? Mortgage brokers provide a one-stop shop for their clients. They may have access to hundreds of potential lenders with only one credit inquiry impacting your score. They are often able to find great rates and get you approved quickly. Are mortgage brokers free? Fee-free mortgage brokers won't charge you an upfront fee. Instead, they'll receive a commission from a lender. Some brokers advertise fee-free advice; however, this only relates to their initial advice being free. If brokers are able to find you a mortgage, they may well charge you a fee. What are the pros and cons of being a mortgage broker? Pros and cons of working with a mortgage broker Pros Cons You'll have more loan products to choose from. You may have limited access to down payment assistance (DPA) programs. You can switch lenders if your loan is denied. Your broker doesn't control the approval process and doesn't lend you money directly. What is the difference between a mortgage lender and a mortgage broker? A lender is a financial institution that makes loans directly to you. A broker does not lend money. A broker finds a lender. ... Whether you use a broker or a lender, you should always shop around for the best loan terms and the lowest interest rates and fees. How do I know if a mortgage broker is legit? The Nationwide Mortgage Licensing System & Registry (NMLS) maintains a database of licensed brokers. Additionally, you can usually check if a broker is licensed or if there has been an order of disciplinary action against the broker by checking with your state regulator . Who pays for closing cost in California? There is no state or county law that dictates who pays which closing costs in California, between the home buyer and seller. It usually comes down to two things — local customs and negotiations. Even so, there are certain closing costs that are usually paid by the buyer, and some that are typically paid by the seller. Who pays realtor fees in California? In California, home sellers pay real estate commission fees out of the final sale proceeds for both agents involved in a deal. However, since this commission is baked into the sales price, you could say that the home buyer is paying — at least in part — through a higher price. Why would the seller pay closing costs? By having the seller pay for certain items in your closing costs, it enables you to make a higher offer. Therefore, you'll effectively be paying your closing costs throughout the life of the loan rather than upfront at the closing table because they're now built into your loan amount. Is Rocket mortgage a broker or a lender? Rocket Mortgage® is an online mortgage experience and America's largest mortgage lender1. Rocket Mortgage® isn't a calculator; it's a way to get a mortgage. Is Rocket mortgage part of Quicken? One Giant Leap: Quicken Loans Announces It's Changing Name to Rocket Mortgage. DETROIT, May 12, 2021 – Quicken Loans, America's largest mortgage lender and a part of Rocket Companies (NYSE: RKT), today announced it will officially change its name to Rocket Mortgage on July 31. Is Wells Fargo a good place to get a mortgage? Wells Fargo's mortgages are worth a look if you're an existing customer. This large lender offers a wide variety of home loans, including some with low down payment options. But its recent history of government settlements may be a turnoff for some people. Is it better to go with a local bank for a mortgage? Your Local Bank for Mortgage Loans: An Overview. ... If meeting with lenders face to face is important to you, a local bank with a good reputation is a sound choice. Local banks may also have better rates or lower fees than online options do. Both types of lenders offer mortgage pre-approval. Can mortgage brokers get you a bigger mortgage? If you miss your mortgage payments, your guarantor has to cover them. Talking to a broker: Some lenders could give you a bigger mortgage than others, and brokers can work out which ones are most likely to lend you more. Is Quicken Loan legitimate? If you choose Quicken for your mortgage, you're in good company. This Detroit–based lender has rapidly become one of the most popular in the U.S. thanks to its seamless, digital–first mortgage process. But remember not to choose a lender based on the ease of application alone. How much do brokers cost? Brokerage fee Brokerage fee Typical cost Annual fees $50 to $75 per year Inactivity fees May be assessed on a monthly, quarterly or yearly basis, totaling $50 to $200 a year or more Research and data subscriptions $1 to $30 per month Trading platform fees $50 to more than $200 per month

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Member Clubs

January 4 Update

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Bernard -- Our previous email had an error in the member clubs link. We apologize for the inconvenience.  We would like to thank our member clubs for their continued support of VTFSC. The member clubs of VTFSC make it possible to keep an active presence in the Vermont legislative process, protecting our Vermont rights and traditions.  If you are looking for a club to join, a place to shoot, instruction and sportspeople to connect with click here: VTFSC Member Clubs   Donate to defend your rights: Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.

Ice Fishing Seminars and New Vermont Legislation

January 4 Update

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Bernard --   The 2022 Vermont Legislative season has begun -  VTFSC will continue our mission to protect your Vermont rights and traditions. We need your help, your voice and your participation to make this endeavor a success.  A list of legislative items of concern can be found here 2022 Vermont Legislation Vermont Fish and Wildlife is presenting a series of seminars this winter to introduce sportspeople to the sport of ice fishing. There are several clinics planned for various species throughout the state. Clinics are free to attend, all equipment is provided. Dates, locations, registration and more information can be found here: Vermont Ice Fishing Clinics We would like to thank our member clubs for their continued support of VTFSC. The member clubs of VTFSC make it possible to keep an active presence in the Vermont legislative process, protecting our Vermont rights and traditions.  If you are looking for a club to join, a place to shoot, instruction and sportspeople to connect with click here: Member Clubs   Donate to defend your rights: Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.

2022 Simplified Vermont Fishing Regulations

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Bernard --   Happy New Year and welcome to 2022 !    A few reminders as we start to enjoy the new year.   Vermont Fish and Wildlife has revised and simplified fishing regulations for 2022.  These changed should help Vermont anglers better understand the current fishing laws and regulations throughout our state. The changes can be found by clicking the link below.    2022 Simplified Vermont Fishing Regulations     It is time to purchase your 2022 Hunting / fishing and trapping licenses.     Buy Your Vermont Hunting - Fishing - Trapping License Here       Vermont Federation of Sportsmen's Clubs http://www.vtfsc.com/ VT Federation of Sportsmen's Clubs · 454 S Main St, Northfield, VT 05663, United States This email was sent to sportsmanscluboffranklincounty.clubnews@blogger.com. To stop receiving emails, click here. You can also keep up with Vermont Federation of Sportsmen's Clubs on Facebook. Created with NationBuilder, software for leaders.