Robious Corridor

Torch 5804 Earns 1st Place Honors

Collegiate School

Collegiate’s 2016 FIRST Robotics Team, Torch 5804 has set the bar high.

Torch 5804 was part of the first place winning Alliance.

The Alliance was comprised of three teams in a Hampton Roads district qualifying event this past weekend.

What makes this finish even more impressive is that this is the teams first year.

Torch 5804 will go on to the next district qualifying event this coming weekend, in Doswell, Virginia.

A strong performance will earn them a bid to the District Championship in Maryland next month.

Torch 5804 Collegiate

 

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WinterfieldRobious Corridor

Page Mauck

There are times when words are just not enough.

This is one of those times.

Please continue to send you thoughts and prayers to the Mauck family and all of those in our community who called Page a friend.

There will be a celebration of the life of Page Mauck on Sunday, April 24 at 2 p.m. at Trinity Episcopal School.

Page Mauck

 

 

 

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Danny MurphyRobious Corrdior

First-Time Home Buyers Guide

Getting A Mortgage When You Have No Credit

http://themortgagereports.com/ratequote/First-time home buyers face challenges that more experienced home buyers do not.

For example, a first-time home buyer may not be able to show the same stable work history that a more experienced buyer can show; and a first-time home buyer not have as much money saved.

But, perhaps, the biggest difference between a first-time home buyer and an experienced one is that first-time home buyers are less likely to have credit history.

First-time home buyers have had no mortgage, may own their car outright, and may reach for debit cards over credit cards when given the chance.

These three traits put first-time buyers “off the credit grid” and can make getting mortgage-approved a bit of a challenge.

Call it the unintended consequence of debt-free living: with no visible evidence that you’ve managed credit accounts in the past, mortgage lenders become (rightfully) nervous about your ability to repay on a loan — there’s no history for them to go on.

Thankfully, you don’t need a traditional credit profile to get mortgage-approved.

The FHA mortgage is available to first-time home buyers with “thin credit” or no credit whatsoever; and FHA-backed mortgages are available from nearly every mortgage lender.

What Is A Credit Report?

A credit report is a written account of all creditor accounts which belong, or have belonged, to a person in their lifetime.

Credit reports are a compilation of information from credit bureaus, which are companies to which creditors report borrower payment history on a regular basis.

In the mortgage space, there are three main credit bureaus — Experian, Equifax, and TransUnion. Each bureau uses the information available to it to assess your individual credit score.

A credit score is a numerical representation of the likelihood that you’ll stop paying on your mortgage. The higher your credit score, the more likely you are to make payments.

The algorithm which uses your credit report to determine your credit score is cloaked; we don’t know how each line item affects the final score. However, we do know that your payment history is the single biggest factor in determining your credit score.

It’s why first-time home buyers rarely have credit scores that are “excellent”. There’s just not enough history of managing credit and making payments to make that kind of determination.

It’s okay to have less-than-perfect, though. It’s even okay to have no credit. As a first-time home buyer, you can still get mortgage-approved.

FHA Mortgages Don’t Require “Traditional” Credit

First-time home buyers tend to carry credit scores which are lower than the general population.

Often, this is because first-time buyers have only a short history of managing credit, and payment history is the largest component of a person’s credit score.

The solution, though, is not to go out and get a credit card or two; or open up a car loan. This would actually do more harm than good to the credit score.

Seeking new credit lines is a negative in the credit bureaus’ credit score algorithms and, besides, until 12 months of payment history exist for each of the new accounts, the effect on a borrower’s credit score is heavily muted anyway.

The better, faster solution is to seek out mortgage loans meant for borrower with little or no credit to their name. The FHA mortgage is one such option.

As the FHA loan’s sponsor, the Federal Housing Administration, states on its website:

“The lack of a credit history, or the borrower’s decision to not use credit, may not be used as the basis for rejecting the loan application.”

Instead of turning away borrowers who have not had a chance to build a credit history (or who have preferred not to), FHA mortgage guidelines instruct lenders to look at all aspects of a mortgage application.

This is good for first-time home buyers because FHA loans allow for a low down payment of just 3.5%, which can help a household with good income but less-than-optimal savings move from renting into homeownership.

And, there’s a large market for this type of loan, too. Some estimates put the number of credit-lacking consumers at more than 5 million nationwide.

Don’t let your lack of a credit score discourage you from purchasing a home. There are ways forward.

click here for source article

 

 

 

 

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Robious Corridor

Robious Corridor

Midlothian Athletic Boosters Association

You Can Support Midlo Sports

Midlothian Trojan Boosters

The Midlothian Athletic Boosters Association is still in need of Par/Hole sponsors.

They are also still opening for some Eagle/tournament sponsors.

If you are interested in being a sponsor or know someone who might be interested please go CLICK HERE to download the registration form.

DETAILS

Date: April 18, 2016

Where: Salisbury County Club

Host: The Midlothian High School Athletic Boosters

To support the athletic teams and programs of Midlothian High School.

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acac midlothian

Robious Corridor

BASEBALL

Midlothian 5 Powhatan 4

Trinity Episcopal 7 Saint John Paul the Great 2

L.C. Bird 14 Meadowbrook 7

Patrick Henry 11 J.R. Tucker 3

Prince George 9 Highland Springs 3

Isle of Wright 15 Blessed Sacrament Huguenot 6

Colonial Heights 6 New Kent 5

 

SOFTBALL

Mills Godwin 11 Midlothian 1

Dinwiddie 5 Powhatan 3

Prince George 13 Highland Springs 0

Atlee 8 Albemarle 0

Colonial Heights 5 New Kent 3

Patrick Henry 13 J.R. Tucker 2

LACROSSE

Boys

James River 18 Thomas Dale 1

Midlothian 14 Powhatan 1

Cosby 7 Clover Hill 3

Monacan 9 Manchester 4

Douglas Freeman 7 Atlee 5

Hanover 17 Deep Run 7

Lee-Davis 16 Hermitage 3

Girls

James River 15 Thomas Dale 1

Midlothian 16 Powhatan 1

Collegiate 14 Steward 4

Cosby 18 Clover Hill 4

Douglas Freeman 16 Atlee 9

Deep Run 21 Hanover 2

Lee-Davis 19 Hermitage 1

SOCCER

Boys

Meadowbrook 3 L.C. Bird 2

J.R. Tucker 2 Patrick Henry 1 (2OT)

Girls

Collegiate 5 Banner Christian 0

St. Catherine’s 8 Saint Gertrude 0

L.C. Bird 3 Meadowbrook 0

Powhatan 11 Dinwiddie 0

Mills Godwin 8 Lee-Davis 0

Prince George 8 Highland Springs 0

Goochland 10 Randolph-Henry 1

Patrick Henry 2 J.R. Tucker 1

TENNIS

Girls

Cosby 7 Jamestown 2

Thomas Dale 6 Meadowbrook 3

Prince George 6 Highland Springs 3

 

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Dogtopia

Robious Corridor

Dogtopia Tuesday Weather

weatherTuesday

Patchy frost before 8am. Otherwise, sunny, with a high near 63. Light southwest wind increasing to 10 to 15 mph in the morning. Winds could gust as high as 24 mph.

 

 

weatherTuesday Night

Mostly clear, with a low around 44. Southwest wind around 9 mph.

 

 

weatherWednesday

Sunny, with a high near 75. Southwest wind 8 to 16 mph, with gusts as high as 25 mph.

 

 

weatherWednesday Night

Mostly clear, with a low around 51. Southwest wind around 9 mph.

 

 

weatherThursday

Mostly sunny, with a high near 77.

 

 

weatherThursday Night

A chance of showers. Mostly cloudy, with a low around 51. Chance of precipitation is 50%.

 

 

weatherFriday

Partly sunny, with a high near 66.

 

 

weatherFriday Night

Partly cloudy, with a low around 41.

 

 

weatherSaturday

Sunny, with a high near 62.

 

 

weatherSaturday Night

A chance of showers. Partly cloudy, with a low around 44. Chance of precipitation is 30%.

 

 

weatherSunday

A chance of showers. Partly sunny, with a high near 65. Chance of precipitation is 30%.

 

 

weatherSunday Night

A chance of showers. Mostly cloudy, with a low around 48. Chance of precipitation is 40%.

 

 

weatherMonday

A chance of showers. Mostly cloudy, with a high near 65. Chance of precipitation is 40%.

 

 

 

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Robious Corridor

Robious Corridor

ON GOING

March Madness Food Bank Collection

Manchester Middle is helping support the Kids Summer Food Program of the Chesterfield Food Bank, which provides food to students who receive free and reduced-price meals during the school year. To collect as much food as possible for the food bank, Manchester Middle has created a bracket with various grade-level teams competing:

• Round 2 is March 14-18 — winners advance
• Round 3 is March 21-23 — finalists compete
• Final is March 24 — winners announced

For more information, email Michelle_Balding@ccpsnet.net.

Youth Art Month

Bellwood Elementary will celebrate Youth Art Month with fun attire. Throughout March, students and staff members will wear items with patterns on Mondays, warm colors (red, yellow or orange) on Tuesdays, cool colors (blue, green or purple) on Wednesdays, animal prints on Thursdays and Bellwood spirit colors (green, yellow and white) on Fridays. For more information, call 743-3600.

Cardinal Craze

To celebrate Youth Art Month, the halls at Crenshaw Elementary feature cardinals (the school mascot). Earlier, students took home large posters to decorate. Students can use any type of material, mimic a famous artist, pattern their cardinal on a book character or another animal, give it colorful designs or try any other original idea. Starting March 7 and continuing throughout March, the colorful creations will hang throughout the school. For more information, email Jennike_Duignam@ccpsnet.net.

TODAY

Renaissance event to benefit Relay for Life

Greenfield Elementary will hold its third annual Renaissance Art Show and Relay for Life event 6:30-8:30 p.m. March 22. This fun, spectacular event is a sight to behold! There will be a dance contest, a contest for the person wearing the most purple, Renaissance players and Renaissance-themed art, including sculptures by fifth-graders. Proceeds will benefit the Relay for Life event at James River High. For more information, email Janet_Caudle@ccpsnet.net.

STEAM Night and auction

Woolridge Elementary will gather March 22 for STEAM Night and a class basket auction. Classrooms will be open with STEAM presentations so parents can see the creative engineering projects students have worked on. Money from the auction will help buy new playground equipment. If you own a business and would like to donate a basket for the auction, contact sybil.robertson32@gmail.com.

STEAM Fair

Watkins Elementary will host its annual STEAM Fair 6:30-8 p.m. March 22, showcasing science fair projects and classroom engineering projects like airplanes, Jamestown settlements and sound instruments. James River High’s Chemistry Club and Young Scientist will offer fun experiments to do. There will be cork creatures to make and minute-to-win-it games to play. For more information, email Beth_Losego@ccpsnet.net.

Super reading event

It’s a bird. It’s a plane. No! It’s a super reader! Students will dress as superheroes for Ecoff Elementary’s reading event 4:30-7 p.m. March 22. Families will have an opportunity to participate in engaging literacy stations, take a superhero challenge in the STEAM lab, read with therapy dogs and shop the book fair. For more information, call 768-6185.

TOMORROW

Creating fish mural

To celebrate Youth Art Month and spruce up for the school’s 50th anniversary, the staff and students of Watkins Elementary are collaborating to make a 38-feet-by-5-feet mural. The mural is inspired by the book “Only One You” by Linda Kranz, which tells of a little fish about to go out into the world.

Students will work on elements of the mural in art classes:
• making fish out of clay
> 10:30 a.m.-noon on March 23
• glazing fish
> 10:30 a.m.-noon March 22-23
> 9:30 a.m.-noon and 12:45-3:15 p.m. on March 25

Installation of the clay fish is expected to be finished in April. To see images from this project, CLICK HERE.  For more information, email Sarah_Matthews@ccpsnet.net or Bridget_mcdermott@ccpsnet.net.

Dance

The fourth annual spring dance at Providence Elementary will take place 6:30-8 p.m. March 23. For more information, email Sally_Gerdes@ccpsnet.net.

THURSDAY

Life After High School

On March 24 at the Career and Technical Center @ Hull, hundreds of seniors who are not sure what comes next for them after high school will attend a resource fair. On hand to offer information about opportunities will be employers, two-year college representatives, training program representatives and career college representatives. Two sessions will take place: 8:30-10 a.m. and 11 a.m.-12:30 p.m. For more information, email Maureen_Martin@ccpsnet.net or Paula_Tylus@ccpsnet.net.

Induction

The National Technical Honor Society will induct 41 students from the Career and Technical Center @ Hull and the Career and Technical Center @ Courthouse during a joint ceremony. The induction will take place 5:30-6:30 p.m. March 24 at the Career and Technical Center @ Courthouse. For more information, email Karenj_Johnson@ccpsnet.net.

Music in Our Schools

Spring Run Elementary students and staff members will wear music-themed clothing for Music in Our Schools Spirit Day on March 24. For more information, call 639-6352.

Kindergarten awards

Spring Run Elementary will hold a kindergarten awards ceremony at 2 p.m. March 24. For more information, call 639-6352.

FRIDAY

Field day

Spring Run Elementary will hold field day on March 25: 9-11 a.m. for grades 3-5 and noon-2 p.m. for grades K-2. For more information, call 639-6352.

Field trip

Providence Elementary fifth-graders will visit the Virginia Aquarium and Marine Science Center 8 a.m.-6:30 p.m. March 25. For more information, email Sally_Gerdes@ccpsnet.net.

NEXT WEEK

School dedication

There will be a dedication ceremony for Carver College and Career Academy 8-9 a.m. April 5. Virginia Secretary of Education Anne Holton will be the keynote speaker. After the program, there will be a reception in the library. For more information, call 768-6156.

Field trip

Fourth-graders from Curtis Elementary will visit Pamplin Historical Park 9 a.m.-4 p.m. April 5 to learn about the Civil War. For more information, call 768-6175.

 

 

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