Railroad Earth
Railroad Earth
Event on 2012-03-01 20:00:00
STG Presents
Railroad Earth
Thursday
March 1, 2012
Doors at 7:00pm
Show at 8:00pm
Neptune Theatre
1303 Northeast 45th St
Seattle, WA 98105-4502
STG presents Railroad Earth at the Neptune Theatre in Seattle on Thursday, March 1, 2012.
Railroad Earth is one of America’s greatest bands playing today, plain and simple. They sing of our nation’s changing landscape and social ills with a commitment reminiscent of Woody Guthrie, while interpolating instrumental timbres that could have been pulled from Celtic or Cajun culture. And as anyone who has caught them live will attest, their concerts are imbued with the fire-in-the-belly passion of straight-ahead, blue collar rock & roll. Then there is the newest album from the New Jersey sextet, which is the most cohesive embodiment of their myriad gifts to date—hence the decision to simply call it Railroad Earth—showcasing nine new selections that draw strength and inspiration from an acknowledgment of our shared past, while also embracing new ideas and celebrating diversity… just like America when she is at her best.
Like their fellow musical travelers, from Bob Dylan and Gram Parsons to Wilco and alt-country chameleon, Ryan Adams, Railroad Earth eagerly embraced change in pursuit of an aesthetic breakthrough. “It was time to do something different,” admits lead singer, songwriter and guitarist Todd Sheaffer. He and his band mates—violinist Tim Carbone, mandolin player John Skehan, multi-instrumentalist Andy Goessling, and drummer Carey Harmon, plus new bassist Andrew Altman—have spent nearly a decade refining their sound and modus operandi. This time, however, they elected to take some cues from their new A&R man, Michael Caplan (Allman Brothers Band, Los Lonely Boys, Keb’ Mo’), and change up their game “to get a fresh perspective.” The result is the band’s most compelling set to date; encompassing rousing ballads and string-band funk, wistful waltzes and quirky time signature folk.
To realize this vision, Railroad Earth enlisted co-producer Angelo Montrone, whose résumé ranges from work with Matisyahu to Natalie Cole. Sheaffer credits Montrone for helping the band know when to scale back—and when to forge ahead. “We focused on the arrangements a lot more carefully and honed in on our ensemble playing.” The producer urged the band to draw out the rock elements of its sound, with additional electric guitars and even some judicious distortion, thanks to an arsenal of vintage amplifiers at Montrone’s place. (“They’ll probably ban us from the bluegrass festivals,” chuckles Sheaffer.) The record even features some mean and dirty lap steel playing, courtesy of Goessling, which is a first on any Railroad Earth album.
Michael Caplan also encouraged the band to highlight one of its most secret weapons. “We have some great singers in this band, and we’ve always had a lot of background singing and harmonizing,” says Sheaffer. “This time we wanted to push it further and utilize that instrument more fully, so we spent a lot of time on the backing vocals.” It worked: Railroad Earth features some of the finest harmony singing committed to record. Just listen to “Black Elk Speaks,” as evidence; a masterpiece reminiscent of CSNY circa Déjà Vu, and inspired by the 1932 book of the same title, in which a Sioux medicine man recounts the changes he’s witnessed in his lifetime. The poignancy of Sheaffer’s lyric and the electrified country-rock sound is enriched further as each new vocal part enters alongside him, harmonies and vibrations illuminating the song’s spiritual core. Likewise, the humble lyric of “On the Banks” is suffused with a halo of golden light through the rich chorus of voices that surround Sheaffer’s gentle delivery.
That emphasis on the vocals works to underscore Sheaffer’s emergence as one of the most compelling lyricists of his generation. His succinct yet distinctive imagery and feel for the unique cadences of language, with key turns of phrase repeated, as if in prayer, fuse with the music to yield far more than the sum of its parts. “The Jupiter & the 119″ uses the tale of the first transcontinental railroad—which literally brought together the country, and united disparate camps in a common goal, to reflect upon the hopeful wave of union and transformation that swept over the nation following Barack Obama’s election. Putting a more personal spin on the sentiments of “Black Elk Speaks,” “Lone Croft Farewell” explores Sheaffer’s feelings about being driven from his New Jersey home to accommodate the construction of a massive electrical plant: “They’re diggin’ at the edges… to build the power line / Same old story… but now the story’s mine.” There’s even a ghost story, “Potter’s Field,” about a Civil War-era specter of Scottish origin, wandering this mortal coil in search of peace. This classic-sounding, edgy folk song was inspired in part by a visit to the Old Man of Storr, a rocky hill on the Isle of Skye in Scotland. “The kind of place where you can feel the ancient spirits,” Sheaffer says.
Only history and the passing of time can truly make a landmark. The first reference to Plymouth Rock came over 120 years after the Pilgrims landed on the Massachusetts shores circa 1620. Nevertheless, those first settlers knew that one phase of their journey had ended and another begun. And so it is with Railroad Earth. It may fall to our children and grandchildren to validate the album’s longevity and influence, to file it alongside Patti Smith’s Horses or Neil Young’s Harvest as a record for the ages. But at the moment, anyone with ears should recognize its significance as a turning point in a great American story that is still unfolding.
at Neptune Theatre
1303 NE 45th
Seattle, United States
Lisa Bastoni
Event on 2012-02-24 20:00:00
Lisa Bastoni relies more on herself than a genre to make art, and the result is a solid record replete with good tunes and good vibes. When not bemoaning the lack of something or the surplus of something else, your everyday folkie will resort to sappy and/or stream-of-consciousness poetry mumbled over some jangly acoustic guitar. Bastoni's gig is something more noble and refined. She may ply her trade on a subway bench, but her songs don't deserve the indignity of being broken up every eight minutes by the squeal of train brakes. – Review of "Your First Sweetheart" Performer Magazine – C.D. DiGuardia
at Perks Coffeehouse
685 Washington Street
Norwood, United States
Crazy New Govn’t Refi Program For Underwater Homeowners
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Crazy New Govn’t Refi Program For Underwater Homeowners
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Poco Dinero
A few nice Refinance images I found:
Poco Dinero

Image by The Ardvaark
A mortgage refinancing junk mail flyer in Spanish, courtesy of my Hispanic last name.
Please please please

Image by melissajonas
I created this flyer to encourage the appraiser to be fair. I wanted to present information about the neighborhood (a great neighborhood, but not well known) and reminders that our old house is AWESOME!
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Please please please
Newsweek Magazine (February 16, 2009) … Lenders Add Bigger Fannie, Freddie Fee – Thanks to Payroll Tax Cut (January 15, 2012) …

Image by marsmet526
The increase in the mortgage fee is to pay for the roughly billion package the Senate approved last month to extend a 2 percentage point payroll tax cut for another two months. About 160 million people benefit from that tax
…….***** All images are copyrighted by their respective authors ……..
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…..item 1)…. eCreditDaily … ecreditdaily.com … Your Resource for Financial Empowerment
Lenders Add Bigger Fannie, Freddie Fee – Thanks to Payroll Tax Cut
01.15.2012 by Staff
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img code photo … mortgage-financing
ecreditdaily.com/wp-content/uploads/2012/01/mortgage-fina…
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ecreditdaily.com/2012/01/lenders-add-bigger-fannie-freddi…
Lenders are already adding an increase in fees on mortgages backed by Fannie Mae, Freddie Mac and the Federal Housing Administration to new loans – a hike that will pay for the extension of the payroll tax cut.
The fee increase of 0.1 of a percentage point is to be added to all loans that Fannie and Freddie buy from April 1 to Oct. 1, 2021.
But lenders are already adding the increased fee to loan price structuring since it can take months to close a loan and deliver it to the two mortgage-financing companies taken over by the U.S. government three years ago.
The increase in the mortgage fee is to pay for the roughly billion package the Senate approved last month to extend a 2 percentage point payroll tax cut for another two months. About 160 million people benefit from that tax cut.
But the mortgage fee increase is good for the life of new mortgages and refinancing – about 90 percent of U.S. mortgages are financed or backed by the government-sponsored companies. Existing mortgages are not affected.
“Think of it as a back-door tax increase,” writes Peter G. Miller, a syndicated real estate writer and operator of OurBroker.com. “While the public was watching the payroll debate in Washington, Congress was actually increasing the cost to finance or refinance a home.”
The Fannie/Freddie fee would rise about 0.1 percent to an average of 0.3 percentage point. It would amount to about a month more on a 0,000 mortgage – that’s 0 a year.
Congress has also directed the FHA to increase its annual mortgage insurance premium by .10 percent – from 1.15 percent to 1.25 percent for most borrowers.
Homeowners would have the fee increases worked into their mortgage.
The mortgage providers would then send that additional revenue to the U.S. Treasury, which already extends an open credit line to Fannie and Freddie to cover quarterly losses. That bailout tab is expected to reach 0 billion this year.
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