See Our National Parks With The Click of a Mouse

Imagine being the only driver on a two-lane asphalt highway as the stark desolation of Death ValleyNational park passes on each side and the crystal blue sky stretches up from the horizon.

Or picture a tight left turn on Yosemite’s Glacier Point Road where in the east iconic Half Dome suddenly appears against a backdrop of the snow-capped High Sierra.

The Google Street View service that has brought us Earth as we might not be able to afford to see it — as well criticism that some scenes along its 5 million miles of the globe’s roadways invade privacy — this month has turned its 360-degree cameras on road trips through five national parks in California.”Everyone likes to take a road trip through a national park,” said Evan Rapoport, the Street View project manager, who was inspired by a cross-country camping trip he took after graduation. “Bringing unique places to people that they might not go in the real world is unique to Street View.”

Read more at: http://www.msnbc.msn.com/id/48374435/ns/technology_and_science-computers/t/googles-death-valley-drive-click-mouse/

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Modular Home Being Built In a MultiMillion Dollar Neighborhood – La Jolla

It’s not every day you see up to 60-foot-long, factory-built pieces of a home trucked, lifted and stacked over a course of two days.

Nine pieces that make up a multimillion-dollar “green” project named Casabrava took shape on a prepped site in La Jolla on Thursday and Friday after a trip from a factory in Utah. Over the next two weeks, workers will “stitch” together the pieces to prepare for finishes.

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The project’s vision: Homes made on factory lines can look and feel as sophisticated as traditional homes built on site, said Heather Johnston, an architect and future occupant of Casabrava. Prefabricated construction is also more efficient and more environmentally friendly, Johnston said.

“This is not a manufactured home, which are used for trailers and mobile homes,” said Johnston, who will live in the house with her husband, David Dickins.

“We’re building a prefab home. … They’re basically house parts. And the parts have to be stronger than a normal house because they have to be transported and lifted by a crane.”

Johnston took a year off to work on the project. She said prefab construction, which has been around for decades but has yet to gain wide acceptance, is more time-efficient. It will take roughly nine months to finish Casabrava, from factory build time to finishes on site. A custom home takes about 18 months to be completed, she said.

“This can really affect the bottom line,” she said.

Savings also come from prefab homes being precision-cut, so there’s less waste. Plus, everything is built indoors, so there are fewer delays.

Building Casabrava will end up costing $220 a square foot, based on Johnston’s figures. The home takes up 4,100 square feet, including a three-car garage. The per-square-footage cost is significantly lower than the per-square-footage cost of an home resold in La Jolla. In July, the median price was $518 a square foot, DataQuick numbers show.

The hard costs of the project, including construction and land but not things like permitting, will total roughly $2.6 million.

Over time, Johnston expects to save money on energy by just the way the home is positioned on the site.

The design is meant to increase ventilation and nix the need for an air conditioner. Other green features include rain-catchment systems to water plants and recycled materials

Ease and Risk of Online Loan Shopping

With mortgage rates at historic low levels, now may be a good time to buy or refinance a house, and the Internet has made it easier than ever to shop for a mortgage.

There’s no longer a need to pound the pavement going from one bank to another comparing rates or to spend hours on the phone supplying loan officers with information when you can get quotes from multiple lenders by filling out one application online.

But shopping online can sometimes mean providing your Social Security number to a website in order to get a mortgage rate — a process that disturbs some consumers and industry experts.

“There are probably eight to 10 criteria that are required to accurately price a mortgage, and a Social Security number is not one of them,” said Rick Allen, chief financial officer at Mortgage Marvel, a Milwaukee-based company that provides online quotes for mortgage rates and closing fees.

Not all mortgage websites ask applicants for Social Security numbers and other detailed personal and financial information.

Mortgage Marvel recently conducted a side-by-side comparison of the four leading mortgage lender websites — Bankrate, Zillow, Mortgage Marvel and Lending Tree — and found that Lending Tree is the only one that asked applicants to provide a Social Security number to receive a mortgage rate.

Read more at: http://www.chicagotribune.com/classified/realestate/buy/sc-cons-0809-online-mortgage-20120817,0,2781105.story

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