by Tony the Misfit

Contrary to what you may think, you don’t manage your credit applications and payments in a vacuum. Your credit behavior (as some have learned the hard way) is tracked by credit bureaus such as Equifax Canada and TransUnion of Canada.

This information is tabulated, and then you are assigned a credit rating. It’s important for you to maintain as high a rating as possible. The following information shows you how you can be sure to earn a good score, and why it’s so important to do so.

Lenders Have Access To This Information.

Think about it. When you decide to apply for a mortgage for a home purchase, or a hefty loan for home renovation – don’t you want A+ right up there beside your good name?

Your Good Name Is Really What It’s All About.

In the financial world, your credit profile is your reputation. If you have a good record, it means smooth sailing ahead for you. If your record isn’t all it should be, you might be in for a bit of rough weather when it comes to acquiring the monies you need — at the interest rates you want.

Your Payment History.

Credit card debt — is one of the most important factors considered when your score is being tabulated. Any missed, late, or neglected payments are duly noted. Not only does a prompt payment history buff your credit image — it saves you money in interest, and assures a quicker retiring of that debt too.

Timeliness Of Payments.

Actual amount of payments, the state of your credit card balances versus credit available, the number of cards you own, the frequency of your requests for more credit – These are just some of the tidbits of personal financial information that make up your credit profile. This comprehensive history is compiled to show lenders how reliable a debt risk you are. To put it simply they want to know whether or not you are credit worthy.

Your credit score is established with a mathematical formula.

Various factors are weighed and balanced and given a certain percentage value towards your final score. Credit bureaus also take into consideration — in addition to factors already mentioned — your existing debt burden, your actual and potential income (remember you do give out these details when you apply for credit), your debt to income ratio, your past financial problems (any bankruptcy or foreclosure remains a long time on record), your job stability -

essentially any piece of public information that helps build an accurate as possible risk assessment of you as debtor.

Your Credit Rating Is A Fluid And An Ever-Changing Thing.

It is dependent upon your present financial circumstances and any actions you make. The credit bureaus always follow your money trail. Because the formation of your profile is an on going thing, it’s vital for you to consistently practice reliable and responsible debt handling. The good news? The ever-changing quality of your credit rating allows you to continually aim for a higher score. Think of your rating — not as a burden — but as a challenge and an opportunity.

Infrequent Requests For Additional Credit?

That’s a really good sign to a lender. Keep in mind that mortgage and loan shopping won’t impact you negatively if it’s done in a concentrated time period. The credit bureaus interpret this flurry of activity positively — as long as it doesn’t occur too frequently. You want to look savvy, not desperate.

How Much Plastic Is Too Much?

Too many credit cards red flag you to potential lenders. Limit your cards to three or four, and try to maintain longtime use of at least one card. This is a key way to build up an excellent credit history. The amount of credit you use, versus credit available, is really telling too. Keep your balances low.

It’s Your Right To Pull Up Your Credit Report Profile.

This is something that is in your interest to do so. (You can do this online at www.equifax.com). Experts advise you to check it out at least once a year. Doing so gives you the opportunity to correct any errors or misinformation that may be there. Practice reliable and responsible debt management.

Then, when you do actually need money for a major undertaking (like the purchase of a home), your credit rating will be an asset, not a liability.

The Imminent Collapse Of Global Markets Is No Reason To Skimp On Four Season Gutter Protection

– by gordon banks —
I know you’re worried about the economy. Hell, we all are. You don’t need to be some kind of financial guru to know that things are looking pretty grim. Banks are folding, unemployment is on the rise, and people are worried about their retirement plans. Sure, it’s rough right now, but we’re a nation of fighters. We’ve been through this before and we’ll get through it again, with our heads held high and our gutters protected year-round.

www.theonion.com/content/opinion/the_imminent_collapse_of…

by woodleywonderworks

by fofurasfelinas

Around 3.85 million home owners believe that a non existent state benefit will enable them to keep up with mortgage repayments in the event of losing their income.

Almost one in ten home owners wrongly believe that the government will pay their mortgage if they are unable to do so for reasons such as redundancy or illness, according to new research.

However, the government will not help anyone with mortgage payments for the first nine months of unemployment and after that, unemployment assistance is only offered to a select group of people who have mortgages of less than £100,000.

A further seven per cent of those surveyed by Lincoln Financial Group were not sure whether government assistance is available, and were seemingly unaware that the last Conservative government scrapped state aid in 1995.

Ian Noble, head of strategic partnerships at Lincoln Financial Group, said that the figures were a warning that million of Britons are enjoying a false sense of financial security, believing that the government will provide financial assistance if and when required.

“That is not the case unfortunately. The government is not going to pay for your mortgage if you lose your job, and assuming that it will place people in real danger is a large risk as it suggests they have no other mortgage protection plan in place,” said Mr. Noble.

Indicative of this perhaps is the news that mortgage repossessions are still continuing to rise dramatically, with repossession orders in England and Wales in the first three months of 2006 witnessing a 57 per cent rise.

© Adfero Ltd

Cover shot for the "illustrated guide to the mortgage crisis"

ml-implode.com/ by woodleywonderworks

by turtlemom4bacon

More than a third of homeowners predict they will be nearing retirement before they own their own home, new research suggests.

Responding to a One Account survey, 36 per cent of homeowners predicted they would be at least 60-years-olds before they paid off their mortgage.

A further 20 per cent didn’t expect to fully pay off their mortgage until some time in their 50s, with many also complaining that mortgage commitments were impeding on other areas of their life.

More than two in five claimed not to be able to save because of their mortgage, while nearly one in five 25 to 29-year-olds said it was forcing them to delay starting a family.

However, Debbie Milsom from One Account questioned why homeowners were finding their mortgage such a burden.

Paying off a mortgage should not mean that people have to put their life plans on hold, Ms Milsom said.

She added: It is worrying that homeowners perceive that it will take them until they are in their 60s before they pay it off when they should be spending this time preparing financially for their futures.

Ms Milsom reminded homeowners that there are often flexible solutions for managing payments.

Homeowners with overly expensive payments may also find remortgaging can help to reduce their monthly commitment.

As less people are putting money into pensions, more could begin looking at remortgaging to ensure economic stability during their later years.

Figures released by Moneyfacts have shown that personal pension returns have fallen by as much as a half in the last decade.

The news means that even if Britons are putting the same amount of money into their pension pot every year, their average with-profits pension fund could be half what it would have been in 1996.

These latest figures should serve as a powerful reminder that securing a comfortable retirement will only be possible for those individuals who actively monitor and manage their own pension provision, warned Richard Eagling, editor of Investment, Life & Pensions at Moneyfacts.

The research from Moneyfacts could cause more people to consider other options of financing their retirement, with taking out a remortgaging and downsizing their homes one method to increase the amount of money available in later life.

A friend and I surfing TV channels saw this sweet, 22-year-old virgin on Maury Povich and Oprah. Natalie Dylan (not her real name) is selling her virginity at the Bunny Ranch brothel outside of Carson City, Nevada. Her sister once worked there.

Povich gave her a lie detector test, which showed she was telling the truth. The friend and I believed she was telling the truth. My theory, which a coupla young MySpace friends confirmed is that once U lose ur virginity, Ur personality changes. Natalie has the personality of a virgin.

On the same afternoon, Natalie appeared on Oprah, where she spoke of her philosophy. She says she’s just exploiting Capitalism. Everyone on Oprah supported Natalie. IMO: Nat is very smart & wise.

Natalie says, "Many women lose their virginity in the back seat of a Toyota" . . . (used to be a Chevy or hippy-bus when I was her age).

Those ppl that say she’s a whore and a slut are just jealous. How many women today are virtual whores for their husbands, landlords, mortgage companies or bosses?!

She says she needs the $$$ for graduate school. She graduated from Sacramento State College and wants to get a graduate degree in Family & Marriage counseling.

Currently the bidding 4 her virginity is -3.5 Million! She says she’s gonna screen the potential winners for someone nice. In a PM to me she says she will not film it but I’ll bet some of those seven-figure bids require filming and her to have sex with a HOT stud.

I also sent her this from ancient historian, Herodotus:

Now the most shameful of the customs of the Babylonians is as follows: every woman of the country must sit down in the precincts of Aphrodite once in her life and have commerce with a man who is a stranger: and many women who do not deign to mingle with the rest, because they are made arrogant by wealth, drive to the temple with pairs of horses in covered carriages, and so take their place, and a large number of attendants follow after them; but the greater number do thus, — in the sacred enclosure of Aphrodite sit great numbers of women with a wreath of cord about their heads; some come and others go; and there are passages in straight lines going between the women in every direction, through which the strangers pass by and make their choice. Here when a woman takes her seat she does not depart again to her house until one of the strangers has thrown a silver coin into her lap and has had commerce with her outside the temple, and after throwing it he must say these words only: "I demand thee in the name of the goddess Mylitta" now Mylitta is the name given by the Assyrians to Aphrodite: and the silver coin may be of any value; whatever it is she will not refuse it, for that is not lawful for her, seeing that this coin is made sacred by the act: and she follows the man who has first thrown and does not reject any: and after that she departs to her house, having acquitted herself of her duty to the goddess, nor will you be able thenceforth to give any gift so great as to win her. So then as many as have attained to beauty and stature are speedily released, but those of them who are unshapely remain there much time, not being able to fulfil the law; for some of them remain even as much as three or four years: and in some parts of Cyprus too there is a custom similar to this.

^^^ My grandfather says Herodotus might-have-been kidding to sell books or defame the culture.

Right on Natalie, More Power to U!

xoxxxox!

UPDATE: Oct 20 . . . read that she has a sister who worked at Bunny Ranch.

I named MySpace, "The Natalie Dylan Fan Club (Unofficial)," She’s my 3rd Top Friend and I’m one of her Top Friends.

UPDATE: Natalie left this comment on MySpace: You are so awesome and your hair looks so cute in that video! I truly appreciate your continuous support. I am writing a book and a producer contacted me about possibly turning my story into a film. The media sensationalized this story like no other! Dennis called and told me I was the number 2 biggest news story of 2008 on VH1′s best stories of the year…it is all so crazy to me, but it is great promotion for the book-so keep it coming! I wonder what the number one story was…

Anyways, thank you again so much for all of your support. You are amazing!

Love,

Natalie

[We never verified the VH1 story.]

UPDATE: A coupla weeks ago (Dec. 2008) she invited me to a "front row seat" at the Bunny Ranch when she decides who will take her V-card. I’m not too sure yet if she hasta do the deed at the Ranch or only accept the $$$ there. I’m soooo excited, also, to meet some of my Bunny Ranch idols.

UPDATE: The bidding as of 2009 is .7-Million but the buyer wants to film it. Natalie does not wanna film it. I say she should under a special contract to tie in with the movie deal. She’ll double her royalties.

Pic Source: Natalie’s MySpace page, March 29, 2009. Ug, she has a dog! by 666isMONEY ☮ ♥ & ☠

by el clinto

My Mortgage Insurance was financed with the home and does not appear on 1098, can I still deduct it? and if I can how?
The amount is over 2K and it is listed on my Settelment Statement. Mortgage is though Bank of America. I was planning to call IRS and my bank but they are closed on the weekends.

Mortgages Hit 4.27%, How Low Can They Go?: Mortgages Hit 4.27%, How Low Can They Go? Mortgage rates hit another re… http://bit.ly/aMecVI

If you look at the most stressful events in a person’s life, buying a home is on the top ten list. After all, it’s a big decision – both emotionally and financially. Many home buyers go through an anxious period after they’ve arranged for their mortgage and get ready to move into their new home. Knowing you’ll get a pocketful of cash would sure help, wouldn’t it?

That’s a big part of the attraction of cash-back mortgages. A plump cheque is a psychological boost to home buyers who have just made one of the biggest financial commitments of their lives. As mortgage brokers, we like to work with our clients to ensure that they look beyond the temporary “feel good” of the cash, and weigh their options wisely.

Remember that the cash-back option comes with a trade-off: if you choose not to take the cash back, you can get a lower interest rate. Over time, you could see substantial savings in interest payments.

So, start with the most important question: What will the cash be used for? Is this purchase a priority, and is it worth the difference in the rate? Perhaps you have a plan to take advantage of the cash-back to purchase the household appliances for your new home. The extra ,000 for new kitchen or laundry appliances may be an urgent immediate need and a higher priority overall than the lower interest rate for your mortgage term.

But here is the second question to discuss with your mortgage broker: What will be the impact of the rate difference over time? You’ll need real-life figures to work out the details for your personal situation, but let’s look at an example*:

Let’s say that your cash-back option pays 1% of the mortgage amount on a two-year deal, 3% on five years, and 5% cash back on a ten-year closed mortgage. And let’s assume that you’re looking at borrowing 0,000 for a 5-year term, amortized over 25 years. Not long ago, you might be looking at the difference between cash back and a rate of 6.60%, or a discounted interest rate of 5.29%.

So what’s the bottom line? Your cash-back option would give you ,000 up-front, but over your 5-year term, you would pay a little over ,300 more in interest costs than you would have with the discounted rate. The exact cost of the cash-back option in this example is ,330.44 – paid out over 5 years.

Is that a good deal? It depends. Did you get the much-needed appliances for your home… or use the funds to manage a high-priority expense? Then you probably got good value from the option. If – five years later – you can’t remember where the money went, then perhaps you didn’t make the best trade-off.

We found this way cool house – well, what’s left of a house – way out in the middle of nowhere right on the Idaho/Utah border. by Great Beyond

by eb0la

If you don’t mind my asking, I’m trying to figure out what a reasonable percent of my income is to be going towards a mortgage payment. My partner and I make around $ 6500 gross monthly, and I’m wondering what percent of that we could reasonably spend on a mortgage without getting in over our heads. We have no other debt, but have normal bills like utilities and car insurance. If you don’t mind could you please give me an idea of what you earn and what you put towards your mortgage? Or what percent of your gross income goes towards your mortgage payments?

Thanks so much!

Wells Fargo Pays M to End Probe: They claimed that the mortgage marketing practices that were adopted did not d… http://bit.ly/9KHK0m

by ro_buk [I'm not there]

Getting ready to buy a house and just curious what people find comfortable. What is your mortgage payment (including taxes and insurance), and your household income, and are you comfortable with your mortgage?

Thanks!

Refinance Your Mortgage and Improve Your Finances: title search – title insurance fees – apprais… http://bit.ly/cz4snr rooftoproofing.com

by Michael Verdi

What if there was such a thing as a magic card that you could carry with you, which had the power to open doors for you all over the world? You show someone your magic card and ‘voila’, you can have what you wish for. You would want to protect that card very carefully, wouldn’t you? Your credit is a little like that. Your good credit is a passport to financial opportunities. A poor credit rating can be a terrible obstacle… and repairing your credit is often a slow and difficult process.

What you may not know is that you can actually use an Ontario mortgage to re-establish your credit. Canadians are carrying heavier loads of personal debt than ever before. For some, the cost of servicing those debts is itself an obstacle to correcting the problem. Each month can be a chase to make the interest payments to keep the debt afloat. But if debts are rolled into a new mortgage, your credit can improve rapidly, assuming of course that you don’t rack up any new debts!

Here’s how it works:

Perhaps you have maximized your credit cards – and maybe even have a short-term loan or line of credit that you are also trying to pay down in addition to your regular mortgage payments. You may be considered a “high risk” borrower under these circumstances, even if you are managing to squeeze out your payments each month. Your overall payment history is satisfactory, but your debt load is heavy. If you consolidate your debts into a new mortgage, you can better manage those debts while also restoring your credit rating.

You may not have considered using a mortgage to refinance and manage your debts, but there are a few significant advantages. Your status as a homeowner can give you access to a lower overall borrowing rate. A house is considered very reliable security, so mortgages often offer the best rates available anywhere. In addition, your credit history enjoys an almost immediate boost, as you begin to make your monthly payments. There are many innovative mortgage options available today, including a new mortgage product that has been designed specifically as a credit repair tool.

This specialized mortgage is good news for clients who are trying to distance themselves from their past credit problems. Debt is controlled quickly – since the new mortgage offers an interest rate lower than credit cards that can dramatically reduce the interest charges on your debt — and your credit typically improves in only a few months.

You probably already know that it makes sense to consolidate your debt into one payment. You can generally enjoy substantial savings on interest charges; you have a more manageable monthly payment and better monthly cash flow. Consider how a new mortgage can help you manage your debts – and make it a goal this year to improve your credit rating.

apartamento con vistas (o el ojo del gigante)
especulación? crisis inmobiliaria? hipotécas basura?…
speculation? real estate crisis? subprime mortgages?…

►►Mucho mejor en grande – Much better in larger◄◄ by jesuscm

by Jeff the Trojan

“Lower than prime,” you heard someone say. Like most Canadians, you were probably first skeptical and then confused. We tend to think of the prime lending rate as the invisible “floor” of lending rates. The very best customers can get very close to that floor. It is theoretically possible, we reason, to actually be ON the floor, but not possible to be below it.

Nevertheless, Canadian lenders offer mortgages at prime minus 0.5% to even minus 0.7%. So the floor isn’t the lowest you can go. There’s something under the “floor”. The rate known as “prime” has been the popular benchmark for lending in Canada. When business reporters talk about interest rate movement, they usually talk about what’s happening with prime. But there are other benchmarks in money rates, though they are typically for use by professional money managers. The most significant of these is the Banker’s Acceptance rate.

While “prime” is a set rate which is offered to a lender’s best customers, the Banker’s Acceptance is the rate which financial institutions use to lend money to one another. And it’s typically well below the prime rate. Look for the “Money Rates”section of your favourite newspaper, and you can compare Prime with the Banker’s

Acceptance rates for yourself. “Interesting,” you think, “but why does it matter?” Well, as new lending institutions begin to offer a slate of innovative new loan options, a new mortgage has emerged that is based on the Banker’s Acceptance rate: offering a mortgage rate of 1% over the 3-month Banker’s Acceptance.

If you compared the rock-bottom prime-based variable mortgage rate – prime less 0.5% to 0.7% – with the new adjustable BA-based rate, you would find that the BA-based rate would have delivered significant savings over the past several years, as rates were dropping. There are two reasons for this. Firstly, the BA-based rates have historically been considerably lower than prime. Secondly, the prime rate tends to be “stickier” in an environment where rates are falling. Often, the more fluid, market-based BA rates deliver the rate change more quickly.

Any variable- or adjustable-rate Ontario mortgage is an excellent option when interest rates are either dropping or stable. Not surprisingly, they’ve been a very popular choice in the past few years. There are some rumblings now that rates may begin to increase, but flexible-rate mortgages still remain an excellent choice for those looking to save some interest.

As always, you should consult with a mortgage professional to find the mortgage that suits your personal financial needs. An independent mortgage broker can provide you with information on a broad range of mortgage options from a wide variety of lending institutions, so you can compare features and options at a glance.

And remember, it’s worth taking some time to look beyond prime and explore what’s “under the floor” in mortgage options!

SEE ON MY PHOTOBLOG | The Gathering Shot by Frodrig

by betta design

“Wow!” you say to your spouse as you hit the brakes on the car. “Did you see the mortgage rate those guys are advertising?” Your worries are over, you’re thinking. Just lock in a rate like that for the next ten years, and you’ve got it made.

Not so fast. That rate may not be the one for you. Typically, the lowest available rate – and the one that makes the rate sign look great from the street – will be for a variable or adjustable-rate mortgage. That rate has the potential to be like a roller coaster. The posted variable or adjustable rate is the rate you’re getting today. Unless you have an economic ouija board, you won’t be able to predict what kind of ups and downs are ahead of you.

Let’s take a closer look. A lender will offer different rates for different types of mortgages. The rates are determined based on financial risk -to the institution and to you. When a customer is willing to take on the risk, he/she is rewarded with a lower rate. If the lender is taking on the risk (that is, the customer is promised a particular rate… regardless of what happens in the future), the rate is higher. The longer the term, the higher the risk for the financial institution.

So how do you decide? Fixed-rate mortgages, because they require a low risk tolerance, are usually better suited to first-time buyers or those who haven’t owned a home for a very long period. Ask yourself these questions: Do you like or need to know exactly what your payment is going to be over a longer period of time? Do you want to avoid the need to consistently watch rates? Do you have less than 25% down? If you answered “yes” to all, or most of these questions, a more conservative fixed-rate ontario mortgage could be the better choice for you.

A variable or adjustable-rate mortgage is best suited to people who have a flexible budget and can tolerate higher risk. Ask yourself these questions: Do you watch market conditions? Can you handle any sudden rate increases that could increase your payment? Do you have 25% or more equity in your home? If you answered “yes” to all, or most of these questions, a variable or adjustable-rate mortgage might best suit your needs.

Some lenders offer a special promotional rate for the first few months of a variable-rate mortgage, which you should discuss with your mortgage broker. Also discuss what your rate will be based on – prime minus 0.5% or 0.6% or on Bankers’ Acceptances (BAs) plus 1%. The latter being a new kind of adjustable-rate mortgage that has recently been introduced to the marketplace. Most variables or adjustables allow you to exercise an option to “lock in” a fixed rate at any time for the remaining portion of your mortgage term or for a longer term.

If the uncertainty of a floating rate is going to give you sleepless nights, you’re in good company. Many Canadians prefer the certainty of a fixed-rate mortgage. They know exactly how much they will pay over the term of their mortgage, and they can plan accordingly… with no financial surprises. But if rates do drop… and drop… and drop… you are committed to the “promise” that you have made. Your best option – have a mortgage broker help you decide which option best meets your needs.

Location 600 Peachtree Street Northeast
Atlanta, Georgia
Status Complete
Constructed 1991-1992
Height
Antenna/Spire 1023 ft (312 m)
Technical details
Floor count 55
Cost US0 million
Companies
Architect Kevin Roche, John Dinkeloo and Associates
Structural
Engineer CMB Engineers, Newcomb & Boyd
Services
Engineer CMB Engineers, Newcomb & Boyd

The Bank of America Plaza is a skyscraper located in Midtown Atlanta named for its largest tenant, the Bank of America. Standing 1023 ft (312 m), it ranks as the 26th tallest building in the world. It is also the tallest building in the United States outside of Chicago and New York City, and the tallest building in any U.S. state capital. It has 55 stories of office space and was completed in 1992, when it was called the NationsBank Building. Originally intended to be the headquarters for C&S/Sovran Bank, it became NCNB/NationsBank’s property following the 1991 merger of C&S/Sovran and NCNB.The Bank of America Plaza was the last American skyscraper built to be one of the ten tallest in the world (in the 14 years since its construction all new entries onto the top ten list have been in Asia).
Built in only 14 months (one of the fastest construction schedules for any 1,000 ft (300 m) building), The Plaza’s imposing presence is heightened by the dark color of its exterior. It soars into the sky with vertical lines that reinforce its height while also creating an abundance of revenue-generating corner offices. Located over 3.7 acres (1.5 ha) on Peachtree Street, the tower faces its border streets at a 45-degree angle to maximize the views to the north and south.

There is a 90 ft (27 m) obelisk-like spire at the top of the building echoing the shape of the building as a whole. Most of the spire is covered in 23 karat (96%) gold leaf. The open-lattice steel pyramid underneath the obelisk glows orange at night due to lighting. At its most basic, this is a modern interpretation of the Art Deco theme seen in the Empire State Building and the Chrysler Building. The inhabited part of the building actually ends abruptly with a flat roof. On top of this is built a pyramid of girders, which are gilded and blaze at night.

The building was developed by Cousins Properties and designed by the architectural firm Kevin Roche John Dinkeloo & Associates. According to published reports in Commercial Property News and Commercial Mortgage Alert, the building was recently sold for 6 million– a record price at 8 per square foot– to Bentley Forbes, a Los Angeles real estate investment firm headed by C. Frederick Wehba.

The skyscraper, built at a 45-degree angle to the city’s street grid, is set back off of its eastern and western street boundaries, Peachtree Street and West Peachtree Street, by over 50 yards (45 m). This setback is filled, variously, by driveways, parking garage entrances, potted plants, granite staircases, and sloping lawns. Though the building directly abuts the sidewalk on North Avenue, its northern boundary, the only access to this street is through a parking garage entrance that has been frequently closed since 2001.

Some urban planners decry the building as a Corbusian "tower in a park", as it actively disengages itself from the urban environment surrounding it. Because it includes no street-level pedestrian entrance and entirely omits sidewalk-facing retail space, critics argue that the building encourages its tenants to access it primarily by car and to remain inside the complex during the day.

In recent years, developers have rumored that the land under the surrounding driveways and lawns may soon be ripe for redevelopment into low- and mid-rise mixed-use buildings with street-fronting uses as the area urbanizes and the value of land in Midtown Atlanta increases.

It is sometimes locally referred to as the "pencil building", for its resemblance to a pencil, and by others as the "cigarette building" for the tendency of its backlit pyramidal crown to produce steam on a cold, humid night.

Trivia
Two low-power TV stations currently share an antenna at the top of the building: WANN-LP (32), and WDTA-LP (53), though the latter has applied to move about a half-mile south. In addition, the tower also hosts several Amateur Radio repeaters.

Its design has been characterized as similar to the Messeturm in Frankfurt am Main, Germany.

Because of the structure’s height and location two blocks from campus, Georgia Tech freshmen students are told to head towards it whenever they need to get back to campus from off-campus excursions.

The Bank of America Building in Atlanta is the tallest building in the southern half of the United States, from East coast to West Coast

Source:Wikipedia by ucumari