Wednesday, 2 March 2016

NASA Clean Air Study - House Cleaning Phoenix

The NASA Clean Air Study has been led by the National Aeronautics and Space Administration (NASA) in association with the Associated Landscape Contractors of America (ALCA). Its results suggest that certain common indoor plants may provide a natural way of removing toxic agents such as benzene, formaldehyde and trichloroethylene from the air, helping neutralize the effects of sick building syndrome.

The first list of air-filtering plants was compiled by NASA as part of a clean air study published in 1989, which researched ways to clean air in space stations. As well as absorbing carbon dioxide and releasing oxygen, as all plants do, these plants also eliminate significant amounts of benzene, formaldehyde and trichloroethylene. The second and third list are from B. C. Wolverton's book and paper and focus on removal of specific chemicals.

NASA researchers suggest efficient air cleaning is accomplished with at least one plant per 100 square feet of home or office space. Other research has shown that micro-organisms in the potting mix (soil) of a potted plant remove benzene from the air, and that some plant species also contribute to removing benzene.

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Chart of air-filtering plants

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Foliage

Most of the plants on the list evolved in tropical or subtropical environments. Due to their ability to flourish on reduced sunlight, their leaf composition allows them to photosynthesize well in household light.



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Exec (errand Service) - Exec House Cleaning

Exec was a company based in San Francisco, USA, that provided companies and individuals access to on-demand personal assistants (for delivery, furniture assembly, research, etc.) and cleaning services. Started by Justin Kan, founder of Justin.tv, in February 2012 with co-founders Daniel Kan, his brother, and Amir Ghazvinian, Exec was backed by Y Combinator and other prominent investors. The company was acquired by Handy (company) in January 2014.

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History

Exec received $3.3 million in seed funding. In September 2013, Exec shut down its errand service to focus on its cleaning service . In January 2014, Handybook, a company founded by Oisin Hanrahan, Umang Dua, Ignacio Leonhardt, and Weina Scott in 2012 announced that it had acquired Exec.

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Business method

Exec's errand service had no auction process, and was not an open marketplace. The jobs were dispatched to nearby individuals with the appropriate skills and good ratings, at a flat rate of $38 an hour .

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Reception

Exec was nominated for Techcrunch's 2012 TechCrunchie Award for Fastest Rising Startup. Exec's cleaning service garnered positive reviews from web publications such as TechCrunch praising their professionalism and efficiency. Exec also received positive coverage by other publications such as The New York Times, Huffington Post, Forbes, Inc., and Business Insider.



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Flipping - How To Flip House With No Money

Flipping is a term used primarily in the United States to describe purchasing a revenue-generating asset and quickly reselling (or "flipping") it for profit. Though flipping can apply to any asset, the term is most often applied to real estate and initial public offerings (IPOs).

The term "flipping" is used by real estate investors to describe "residential redevelopment". Redevelopment of distressed or abandoned properties or neighborhoods has sometimes been linked to malicious and unscrupulous acts in the post housing bubble era. The term "flipping" is frequently used both as a descriptive term for schemes involving market manipulation and other illegal conduct and as a derogatory term for legal real estate investing strategies that are perceived by some to be unethical or socially destructive. In the United Kingdom the term is used to describe a technique whereby Members of Parliament were found to be switching their second home between several houses, which had the effect of allowing them to maximize their taxpayer funded allowances.

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Types

Wholesaling and assigning a contract

Wholesalers make a profit by signing a contract to purchase a property from a seller and then entering into an agreement with a third party to resell the same property at a higher price for a profit. All rights to the original purchase contract are assigned to the new buyer and the new buyer pays an "assignment fee" to the wholesaler in order to gain all rights to purchase the property at the original purchase price. The original purchase contract usually has an "inspection period" which allows the original buyer to back out of the contract and not close on it if they do not find a buyer to assign their contract to. Many wholesalers have no intention of actually purchasing the property and simply use wholesaling as a tool to locate properties for other investors. Wholesalers that are able to identify good investment opportunities for other investors can make a good living by locating these properties and then assigning the rights to them to these buyers.

In many cases, if another buyer is not found prior to the end of the inspection period, the wholesaler cancels the original purchase contract relying on the cancellation for inspection clause in the original contract which allows the contract to be cancelled and their deposit to be returned to them. Wholesaling requires little or no money to be secured in escrow, and in most cases the wholesaler never intends to actually purchase the property. The practice of wholesaling is often advertised as "No Money Down and No Risk" by many real estate coaching companies and infomercials since the actual deposit can be as little as $10 and in effect even the deposit can be returned if the wholesaler cancels the contract prior to the end of the inspection period.

Some people are of the opinion that wholesaling is fraudulent misrepresentation since the wholesaler does not actually intend to close on the property themselves. However, in the United States wholesaling is perfectly legal and most real estate contracts allow the buyer an inspection period and any amount of deposit that buyer and seller agree to. The concept of wholesaling a property is no different than a wholesaler in any other industry that signs a contract to purchase goods with the hope of reselling those goods at a profit to a third party. In a successful transaction the seller is often unaware that original buyer is not purchasing the property. In some cases, wholesalers actually purchase the property for cash and then resell the property to their end buyer in a second closing. This practice is considered more costly since the buyer is paying closing costs to purchase the property and to resell the property. However many people consider double closing to be more ethical since the original seller sold the property to the buyer and then the buyer entered into a new transaction to resell the property to a new buyer. In cases where there are substantial profits from reselling it often makes sense for the wholesaler to pay for two closing costs (double closing) in order to not have to request a large assignment fee from their buyer.

Bank owned properties and short sales cannot be purchased using an assignment of contract so the double closing method must be utilized. In order for wholesalers to pay for the property before they can resell it they need to have access to cash or borrow "transactional funding" from a private lender so that they can pay for the property before they resell it.

Wholesaling a property multiple times

It is not uncommon for a property to be assigned multiple times and for a few wholesalers to make money in a transaction from the seller to the end buyer. The original wholesaler enters into a contract to purchase a property at below-market value, and then assigns or sells their rights to that contract to another investor. That investor then assigns their rights to said contract to a third investor and so forth. In many cases wholesalers work together ensuring that all parties get paid on a transaction. This practice is often frowned upon in the real estate community since it seems unethical or illegal. In practice there is nothing illegal about wholesaling or assigning rights to a purchase contract even if it is multiple times. It is important to understand that the reason there is an opportunity to wholesale is because the original seller is selling the property for substantially less than market value. This usually occurs when either the property or the seller is in distress. Examples of distress could be a property damaged by fire, flood, hurricane or a homeowner that is facing foreclosure and is about to lose their home and is selling it for substantially less than fair market value. The practice of buying real estate at substantially below market value is called Distressed Real Estate Investing or Wholesale Real Estate Investing hence the term "wholesaler".

Real estate flipping

Profits from flipping real estate come from either buying low and selling high (often in a rapidly rising market), or buying a house that needs repair and fixing it up before reselling it for a profit ("fix and flip").

Under the "fix and flip" scenario, an investor or flipper will purchase a house at price often deeply discounted from the house's market value. The discount may be due to the house's condition (e.g., the house needs major renovations and/or repairs which the owner either does not want, or cannot afford, to do) or the owner(s) needing to sell a house quickly (e.g., relocation, divorce, pending foreclosure). The investor will then perform necessary renovations and repairs, and attempt to make a profit by selling the house quickly at a higher price (closer to or maybe a bit above market value). The "fix and flip" scenario is profitable to investors because the average home buyer lacks the time and funds to repair and update the house, so they seek out a move-in ready home instead. Also, most traditional mortgage lenders who give financing to regular home buyers, require the home to be in move-in condition with no significant repairs. This means most regular home buyers cannot get traditional financing on a home that needs repairs.

Second home flipping

In the UK, Members of Parliament are given an allowance to maintain an extra home in London allowing them to live closer to the Houses of Parliament during the working week. Certain costs for this second home can be claimed and are thus partly funded by the taxpayer. Subsequently a MP can nominate any of their properties as the second home, called "flipping", and by nominating each as a second home can obtain further allowances. In some cases, MPs can simultaneously declare one home as their primary residence (for tax purposes) and as their second residence (for expense purposes). Following publication of the MPs expenses scandal on May 15, 2009 the practice ended.

Car flipping

Similar to real estate flipping, car flipping is the process of buying automobiles at a low price and selling such vehicle at a higher price. A car flipper will identify reasonably priced goods that can be sold at a higher price by reconditioning and re-marketing said vehicle and identifying a larger buyer pool. Car flipping can be a hobby for car enthusiasts or a primary business in the form of state licensed car dealers. Flipping cars is legal if the vehicles are titled in the person's name or processed through a state licensed wholesale or retail dealership. Many states have laws and regulation limiting the number of vehicles a person can flip within a year time period if the car flipper is not a dealer or partnered with a car dealer. This number varies between 2 and 10 depending upon the State. There are significantly more buyers, a growing market and less initial investment involved in flipping cars than flipping real estate.

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Effects

Bubbles

Flipping bubbles have historically ended in disaster, such as during the Florida land boom of the 1920s.

In the 2000s (decade), relaxed federal borrowing standards (which included the abilities for a subprime borrower to receive a loan, and for a borrower to purchase a home with little or no money down) may have led directly to a boom in demand for houses, thereby affecting the supply. Since it was easier to borrow, many investors snapped up investment homes without having to put money down. Additionally, since so many investors were purchasing homes, this left even fewer homes available to be purchased by owner-occupants. Since the ones that were placed back on the market by flippers were priced higher than before the flip, buyers again had even less money to put down. This resulted in a continuing circle until finally the bubble burst in 2008 and borrowing standards began returning to normal, leaving the housing market to bottom out before it begins to steadily correct itself. Flipping was so popular in the United States that many DIY television programs like A&E's Flip This House detailed the process.

The other significant adverse financial aspect of the mentality of flipping is when interest rates increase. The resulting lack of sales, and major price depreciations (often far below) their previous increases, results in a flood of properties on the market at one time, not selling due to lack of buyers, causing a meltdown of a local market and potentially the economy as a whole.

Rejuvenation and gentrification

"Rational" flipping can encourage a rejuvenation and restoration of a previously decrepit neighborhood, but rising property values can also be seen in a negative light, termed gentrification.

Under the broken windows theory, an unkept house/area attracts a criminal element, which drives out those making a responsible living, which allows for more criminal element, and so on in a vicious downward cycle. The restoration creates jobs, particularly in construction, for locals and generates more sales (and sales taxes) to local vendors (initially those involved in selling construction materials). The newly remodelled homes will then attract new populations and businesses to a region, encouraging more economic development, plus the remodelled homes' higher assessed values brings more property tax revenues to local governments, allowing for more improvements to the area and driving out the criminal element.

As flipping occurs more frequently in a community, the total cost of living there can rise substantially, eventually forcing current residents to relocate, specifically less affluent younger and older people. On a small scale, flippers can cause distress and disturbance to their immediate neighbors by performing lengthy renovations. Flippers commonly have no interest in neighborhood integration, which may cause tensions with long-term residents. During the real estate bubble, flipping and gentrification both have been linked to the mass migration of people to California, where high real estate prices and ample jobs attracted wealth seekers. In response, many native Californians were forced to migrate to the less expensive areas of surrounding states such as Arizona, Nevada, Texas, Oregon and Washington. This migration of Californians caused further gentrification in the areas that they had moved to en masse. Areas such as Phoenix, Arizona and Las Vegas which were once very inexpensive to live in prior to the real estate bubble subsequently became quite expensive, although such prices have dropped significantly since 2006.

Property values

After a renovation, the house itself will be in better condition and last longer, and can be sold at a higher price, thus increasing its property tax assessed value, plus increased sales for goods and services related to property improvement and the related increase in sales taxes. Neighbors can also benefit by having more attractive homes in the neighborhood, thereby increasing the value of their own homes.

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Regulations

In 2006, the Department of Housing and Urban Development created regulations regarding predatory flipping within Federal Housing Administration (FHA) single-family mortgage insurance. The time requirement for owning a property was greater than 90 days between purchase and sale dates to qualify for FHA-insured mortgage financing. This requirement was greatly relaxed in January 2010, and the 90-day holding period was all but eliminated.

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Illegal activity

Flipping can sometimes also be a criminal scheme. Illegal property flipping is a fraud-for-profit scheme whereby recently acquired real property is resold for a considerable profit with an artificially inflated value. The real property is resold within a short time frame, often after making only cosmetic improvements to the real property. Illegal property flipping often involves collusion between a real estate appraiser, a mortgage originator and a closing agent. The cooperation of a real estate appraiser is necessary since a false and artificially inflated appraisal report is required. The buyer (ultimate borrower) may or may not be aware of the situation. This type of fraud is one of the most costly for lenders because the loss is always large.

In the United States, the Uniform Standards of Professional Appraisal Practice (USPAP), which governs real estate appraisal, and Fannie Mae, which oversees the secondary residential mortgage market, have enacted practices to detect illegal flipping schemes.

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In television

In July 2012, business network CNBC green-lit several pilots for reality television series focusing on house flipping.

The following is a list of several house flipping shows:

  • Bravo's Interior Therapy with Jeff Lewis
  • Bravo's Million Dollar Listing and Million Dollar Listing New York
  • Bravo's Flipping Out
  • TLC's The Adam Carolla Project
  • TLC and Channel 4's Property Ladder
  • TLC's Flip That House
  • TLC's The Real Estate Pros
  • A&E's Flip This House
  • A&E's Flipped Off
  • HGTV's Flip or Flop
  • Spike's Flip Men
  • DIY Network's The Vanilla Ice Project
  • BBC One's Homes Under the Hammer

Also produced are a number of variations on Flipping (city name here) e.g. Flipping Vegas, Flipping Boston, Flipping San Diego, or Flipping Miami.



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Tuesday, 1 March 2016

Better to Get Health Insurance as a Married Couple


Getting Married health insurance - Health insurance service providers are not created equal. Before a couple is married, the choice of discussing insurance coverage is exceptionally unusual unless among your insurance companies supplies domestic partner insurance. As you become involved, if you both have different insurance policy it is important to talk about the both of you switching to the far better plan when you are wed.

There are a few variables think about, that include deductibles, co-payments, and the positive aspects of each separate plan. Marital relationship is a huge action, and also it can be done with convenience if both of you settle crucial choices such as your health insurance plan prior to you take the large jump.

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Getting Married health insurance - Your deductible is the quantity you must pay annually to begin your plan. As soon as this payment is made you will certainly be responsible for whatever amount of co-payment your insurance company requires for you to pay for the health costs that are covered in your certain plan.

The amount of co-payments that you will be responsible for is established at the time you agree to your health insurance policy. It is visiting be a particular portion of wellness costs; for example, you pay 10 % while your insurance company will be paying the other 90 %.

You as well as your fiance need to compare both of your plans and also figure out which deductible and also co-payment plan appears most appropriate for the two of you.

Better to Get Health Insurance as a Married Couple


Getting Married health insurance - Couples are normally eligible for sure positive aspects that single couples are not. Being insured independently by the health care carrier sponsored by your companies could no more be the most useful option for you. If you or your fiancé has insurance, as well as the various other does not, once both of you are married they can be added to the various other partner's plan.

Cost of adding an extra individual is certainly something that should be checked out. You should not be required to pay more for adding a partner and even a child in the future due to the fact that a lot of plans are provided to instant household at no added price.

The very best method to compare policies is to approximate an annual amount of normal wellness costs, emergency situations, co-payments, and deductibles. Whichever plan has the lowest cost to you will almost always be the very best option.

Getting Married health insurance - In addition to sharing health insurance with your new spouse, you may additionally wish to take into consideration switching the remainder of your insurance policy plans, such as the policies you have for your separate cars.

This is due to the fact that most companies will certainly provide you a price cut on having more than one vehicle guaranteed. You might also be interested in locating a business that could insure you house, auto, as well as health and wellness in one place.

If you carry more than one plan with a business, they will certainly likewise normally give you some type of discount on them. It is important to take a seat and review insurance coverage with your fiance due to the fact that the two of you could be conserving cash as well as anxiety by figuring out what decision is optimal prior to the moment comes.

Shopping for Health Insurance Tips


Shopping for health insurance can be a frustrating trouble. There are so many firms with many rates to contrast. However, it is important to take your time and locate the best firm for your cash. Although it may be discouraging, health insurance is a requirement.

In any sort of location, there are generally many health care companies that could provide you with a quote over the phone. You could likewise make use of the Web as a source. Using these devices, you can make the buying procedure go a lot more smoothly.

Shopping for Health Insurance Tips - The first step is going to be deciding which type of insurance coverage you should be looking for. If you have a household, it would certainly remain in your best interest to locate a firm that will offer you one decided costs and co-payment plan despite the amount of youngsters you contribute to the strategy any time.

Shopping for Health Insurance Tips


Without a family, you would certainly be looking for specific health insurance yet will need to choose if you require short-term insurance policy or insurance coverage for a prolonged period.

Temporary insurance coverage is for individuals who are in-between tasks and anticipate to register in whichever health insurance prepare their future company sponsors.

Shopping for Health Insurance Tips - When you have developed what type of insurance coverage you need, it is time making some phone calls. Look at your neighborhood telephone directory and begin invoking the line. After answering a few simple concerns, you could obtain a quote and move on to the following firm.

Cost is among the most crucial factors. If you find two or even more of them with quite similar costs and a reduced co-payment quantity, you need to compare the advantages.

Can you add instant family at on the house? Will this health insurance consist of dental, unexpected emergencies, prescriptions, or doctor brows through? This might assist you locate one that charms more to your needs and also is within your budget plan.

Making use of the solutions of the Net to find a business will certainly be an extremely similar procedure. Some trustworthy internet site around will ask you to fill out a couple of spaces and after that offer objective quotes from various health insurance business.

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Shopping for Health Insurance Tips - Whether you are visiting be doing your buying over the phone or on the net, you ought to use your finest judgment of the details that you jump on each company to decide on one that makes you comfortable.

The Better Business Bureau could likewise aid you make sure that you are not being scammed. Health insurance is a price that is necessary to save you cash in the long run on prescriptions, doctor gos to, as well as unforeseen emergencies. Don't obtain entrusted costs that you have no chance of paying due to the fact that you didn't have insurance coverage

Annapolis, Maryland - House Cleaning Services Indianapolis

Annapolis (/?'næp?l?s/) is the capital of the U.S. state of Maryland, as well as the county seat of Anne Arundel County. Situated on the Chesapeake Bay at the mouth of the Severn River, 25 miles (40 km) south of Baltimore and about 30 miles (50 km) east of Washington, DC, Annapolis is part of the Baltimore-Washington metropolitan area. Its population was measured at 38,394 by the 2010 census.

The city served as the seat of the Continental Congress in 1783-84 and was the site of the 1786 Annapolis Convention (which called for the Constitutional Convention held the following year) and the Annapolis Peace Conference, held in 2007. Annapolis is the home of St. John's College as well as the United States Naval Academy.

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History

Colonial and early United States (1649-1808)

A settlement in the Province of Maryland named "Providence" was founded on the north shore of the Severn River in 1649 by Puritan exiles from Virginia led by Governor William Stone (1603-60). The settlers later moved to a better-protected harbor on the south shore. The settlement on the south shore was initially named "Town at Proctor's", then "Town at the Severn", and later "Anne Arundel's Towne" (after the wife of Lord Baltimore who died soon afterwards).

In 1654, after the Third English Civil War, Parliamentary forces assumed control of Maryland and Stone went into exile in Virginia. Per orders from Charles Calvert, fifth Lord Baltimore, Stone returned the following spring at the head of a Cavalier force. On March 25, 1655, in what is known as the Battle of the Severn, Stone was defeated, taken prisoner, and replaced by Lt. Gen. Josias Fendall (1628-87) as fifth Proprietary Governor. Fendall governed Maryland during the latter half of the Commonwealth. In 1660, he was replaced by Phillip Calvert (1626-82) as fifth/sixth Governor of Maryland), after the restoration of Charles II (1630-85) as King in England.

In 1694, soon after the overthrow of the Catholic government of Thomas Lawrence, Francis Nicholson moved the capital of the royal colony to Anne Arundel's Towne and renamed the town Annapolis after Princess Anne of Denmark and Norway, soon to be the Queen of Great Britain. Annapolis was incorporated as a city in 1708.

17th century Annapolis was little more than a village, but it grew rapidly for most of the 18th century until the American Revolutionary War as a political and administrative capital, a port of entry, and a major center of the Atlantic slave trade. The Maryland Gazette, which became an important weekly journal, was founded there by Jonas Green in 1745; in 1769 a theatre was opened; during this period also the commerce was considerable, but declined rapidly after Baltimore, with its deeper harbor, was made a port of entry in 1780. Water trades such as oyster-packing, boatbuilding and sailmaking became the city's chief industries. Currently, Annapolis is home to a large number of recreational boats that have largely replaced the seafood industry in the city.

Annapolis became the temporary capital of the United States after the signing of the Treaty of Paris in 1783. Congress was in session in the state house from November 26, 1783 to June 3, 1784, and it was in Annapolis on December 23, 1783, that General Washington resigned his commission as commander-in-chief of the Continental Army.

For the 1783 Congress, the Governor of Maryland commissioned John Shaw, a local cabinet maker, to create an American flag. The flag is slightly different from other designs of the time. The blue field extends over the entire height of the hoist. Shaw created two versions of the flag: one which started with a red stripe and another that started with a white one.

In 1786, delegates from all states of the Union were invited to meet in Annapolis to consider measures for the better regulation of commerce. Delegates from only five states--New York, Pennsylvania, Virginia, New Jersey, and Delaware--actually attended the convention, known afterward as the "Annapolis Convention". Without proceeding to the business for which they had met, the delegates passed a resolution calling for another convention to meet at Philadelphia in the following year to amend the Articles of Confederation. The Philadelphia convention drafted and approved the Constitution of the United States, which is still in force.

Civil War era (1849 - late 1800s)

During this period, a prisoner of war parole camp, Camp Parole, was set up in Annapolis. As the war continued, the camp expanded to a larger location just west of the city. The area is still referred to as Parole. Wounded Union soldiers and Confederate prisoners were brought by sea to a major hospital in Annapolis.

The first Filipino emigrated to Annapolis after the Spanish-American War when Filipinos served at the United States Naval Academy. These Filipino immigrants dealt with institutional racism. These immigrants later established the Filipino-American Friendly Association.

Contemporary (1900s-present)

In 1900, Annapolis had a population of 8,585.

To the north of the state house is a monument to Thurgood Marshall, the first black justice of the US Supreme Court and formerly a Maryland lawyer who won many important civil rights cases.

Close by are the state treasury building, erected late in the 17th century for the House of Delegates; Saint Anne's Protestant Episcopal church, in later colonial days a state church, a statue of Roger B. Taney (by W.H. Rinehart), and a statue of Baron Johann de Kalb.

On December 21, 1906, Henry Davis was lynched in the city. He was suspected of assaulting a local woman, Nobody was ever tried for the crime.

Annapolis has many 18th-century houses. The names of several of the streets--King George's, Prince George's, Hanover, and Duke of Gloucester, etc.--date from colonial days.

The United States Naval Academy was founded here in 1845. During World War II, shipyards in Annapolis built a number of PT Boats, and military vessels such as minesweepers and patrol boats were built in Annapolis during the Korean and Vietnam war. It was at Annapolis in July 1940, that Grand Duchess Charlotte of Luxembourg arrived in exile during World War II.

In the summer of 1984, the Navy Marine Corps Memorial Stadium in Annapolis hosted soccer games as part of the XXIII Olympiad.

During September 18-19, 2003, Hurricane Isabel created the largest storm surge known in Annapolis's history, cresting at 7.58 ft (2.31 m). Much of downtown Annapolis was flooded and many businesses and homes in outlying areas were damaged. The previous record was 6.35 feet (1.94 m) during a hurricane in 1933, and 5.5 ft (1.7 m) during Hurricane Hazel in 1954.

The 1998 Comprehensive Plan will soon be replaced with a new document, containing initiatives and directives of the city government on development and infrastructure. This process was mandated by Maryland state law in the Economic Growth, Resource Protection, and Planning Act of 1992. Annapolis Charter 300 and EnVISIONing Annapolis co-sponsored a public lecture series from September 2007 through June 2008 exploring these issues.

From mid-2007 through December 2008, the city celebrated the 300th Anniversary of its 1708 Royal Charter, which established democratic self-governance. The many cultural events of this celebration were organized by Annapolis Charter 300.

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Notable institutions

The State House

The Maryland State House is the oldest in continuous legislative use in the United States. Construction started in 1772, and the Maryland legislature first met there in 1779. It is topped by the largest wooden dome built without nails in the country. The Maryland State House housed the workings of the United States government from November 26, 1783 to August 13, 1784, and the Treaty of Paris was ratified there on January 14, 1784, so Annapolis became the first peacetime capital of the US.

It was in the Maryland State House that George Washington famously resigned his commission before the Continental Congress on December 23, 1783.

United States Naval Academy

The United States Naval Academy was founded in 1845 on the site of Fort Severn, and now occupies an area of land reclaimed from the Severn River next to the Chesapeake Bay.

St. John's College

Annapolis is the seat of St. John's College, a non-sectarian private college that was once supported by the state; it was opened in 1789 as the successor of King William's School, which was founded by an act of the Maryland legislature in 1696 and was opened in 1701. Its principal building, McDowell Hall, was originally to be the governor's mansion; although £4,000 was appropriated to build it in 1742, it was not completed until after the War of Independence.

Theater

Annapolis has a thriving community theater scene which includes two venues in the historic district.

On East Street, Colonial Players produces approximately six shows a year it its 180-seat theater. A Christmas Carol has been a seasonal tradition in Annapolis since it opened at the Colonial Players theater in 1981. Based on the play by Charles Dickens, the 90-minute production by the Colonial Players is an original musical adaptation, with play and lyrics by Richard Wade and music by Dick Gessner. Colonial Players, Inc. is a nonprofit organization founded in 1949. Its first production, The Male Animal, was performed in 1949 at the Annapolis Recreation Center on Compromise Street. In 1955, the organization moved to its current venue in a former automotive repair shop on East Street.

During the warmer months, Annapolis Summer Garden Theatre presents three shows on its outdoor stage, which is visible from the City Dock. A nonprofit organization, Annapolis Summer Garden Theatre has been providing "theatre under the stars" since 1966, when it performed You Can't Take It with You and Brigadoon at Carvel Hall Hotel. It began leasing its current site at 143 Compromise Street, the former location of the Shaw Blacksmith Shop, in 1967, and became owner of the property in 1990.

The Naval Academy Masqueraders, a theater group at the United State Naval Academy, produces one "main-stage show" each fall and student-directed one-act plays in the spring. Founded in 1847, the Masqueraders is the oldest extracurricular activity at the Naval Academy. Its shows, performed in Mahan Hall, are selected to support the Academy's English curriculum.

The King William Players, a student theater group at St. John's College, holds two performances each semester in the college's Francis Scott Key Auditorium. Admission is usually free and open to the public.

Museums, historical sites, and monuments

The Banneker-Douglass Museum, located in the historic Mount Moriah Church at 87 Franklin Street, documents the history of African Americans in Maryland. Since its opening on February 24, 1984, the museum has provided educational programs, rotating exhibits, and a research facility. Admission is free.

Preble Hall, named for Edward Preble, houses the U.S. Naval Academy Museum, founded in 1845. Its Beverley R. Robinson Collection contains 6,000 prints depicting European and American naval history from 1514 through World War II. It is also home to one of the world's best ship model collections, donated by Henry Huttleston Rogers. Roger's donation was the impetus for the construction of Preble Hall. The museum has approximately 100,000 visitors each year.

The Hammond-Harwood House, located at 19 Maryland Avenue, was built in 1774 for Matthias Hammond, a wealthy Maryland farmer. Its design was adapted by William Buckland (architect) from Andrea Palladio's Villa Pisani to accommodate American Colonial regional preferences. Since 1940, when the house was purchased from St. Johns College by the Hammond-Harwood House Association, it has served as a museum exhibiting a collection of John Shaw furniture and Charles Willson Peale paintings. Its exterior and interior preserve the original architecture of a mansion from the late Colonial period.

The Kunta Kinte-Alex Haley memorial, located at the head of the city's harbor, commemorates arrival point of Alex Haley's African ancestor, Kunta Kinte, whose story is related in Haley's book Roots. A sculpture group at the memorial site portrays Alex Haley seated, reading from a book to three children. The final phase of the memorial's construction was completed in 2002.

The Paca House and Garden encompasses an 18th-century Georgian mansion constructed by William Paca, a signer of the Declaration of Independence. The property includes a terraced garden that has been restored to its colonial-era design.

Other

The Annapolis area was the home of a VLF-transmitter called NSS Annapolis, that was used by the United States Navy to communicate with its Atlantic submarine fleet. Annapolis often serves as the end point for the 3,000-mile annual transcontinental Race Across America bicycle race.

2007 Annapolis Conference

As announced by United States Secretary of State Condoleezza Rice, Annapolis was the venue for a Middle East summit dealing with Israeli-Palestinian peace process, with the participation of Israeli Prime Minister Ehud Olmert, Palestinian President Mahmoud Abbas ("Abu Mazen") and various other leaders from the region. The conference was held on Monday, November 26, 2007.

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Geography and climate

Located 25 miles (40 km) south of Baltimore and 30 miles (48 km) east of Washington D.C., Annapolis is the closest state capital to the national capital.

The city is a part of the Atlantic Coastal Plain, and is relatively flat, with the highest point being only 50 feet (15 m) above sea level.

According to the United States Census Bureau, the city has a total area of 8.10 square miles (20.98 km2), of which, 7.18 square miles (18.60 km2) is land and 0.92 square miles (2.38 km2) is water.

Annapolis lies within the humid subtropical climate zone (Köppen Cfa), with hot, humid summers, cool winters, and generous precipitation year-round. Low elevation and proximity to the Chesapeake Bay give the area more moderate spring and summertime temperatures and slightly less extreme winter lows than locations further inland, such as Washington, D.C., as well as heavier precipitation totals; the annual precipitation total is 47.27 inches (1,201 mm), as compared to 40.89 in (1,039 mm) for Baltimore and 39.67 in (1,008 mm) for Washington, D.C.

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Demographics

2010 census

As of the census of 2010, there were 38,394 people, 16,136 households, and 8,776 families residing in the city. The population density was 5,347.4 inhabitants per square mile (2,064.6/km2). There were 17,845 housing units at an average density of 2,485.4 per square mile (959.6/km2). The racial makeup of the city was 60.1% White, 26.0% African American, 0.3% Native American, 2.1% Asian, 9.0% from other races, and 2.6% from two or more races. Hispanic or Latino of any race were 16.8% of the population.

There were 16,136 households of which 26.6% had children under the age of 18 living with them, 35.3% were married couples living together, 14.9% had a female householder with no husband present, 4.2% had a male householder with no wife present, and 45.6% were non-families. 35.0% of all households were made up of individuals and 11.1% had someone living alone who was 65 years of age or older. The average household size was 2.34 and the average family size was 3.02.

The median age in the city was 36 years. 20.8% of residents were under the age of 18; 9.9% were between the ages of 18 and 24; 31.1% were from 25 to 44; 25.3% were from 45 to 64; and 13% were 65 years of age or older. The gender makeup of the city was 47.8% male and 52.2% female.

2000 census

As of the census of 2000, there were 35,838 people, 15,303 households, and 8,676 families residing in the city. The population density was 5,326.0 people per square mile (2,056.0/km²). There were 16,165 housing units at an average density of 2,402.3 per square mile (927.4/km²). The racial makeup of the city was 62.66% White, 31.44% Black or African American, 0.17% Native American, 1.81% Asian, 0.03% Pacific Islander, 2.22% from other races, and 1.67% from two or more races. 8.42% of the population were Hispanic or Latino of any race.

There were 15,303 households out of which 24.5% had children under the age of 18 living with them, 36.6% were married couples living together, 16.3% had a female householder with no husband present, and 43.3% were non-families. 32.9% of all households were made up of individuals and 9.2% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.93.

In the city, the population was spread out with 21.7% under the age of 18, 9.3% from 18 to 24, 33.4% from 25 to 44, 23.7% from 45 to 64, and 11.9% who were 65 years of age or older. The median age was 36 years. For every 100 females there were 90.0 males. For every 100 females age 18 and over, there were 86.8 males age 18 and over.

The median income for a household in the city was $49,243, and the median income for a family was $56,984 (these figures had risen to $70,140 and $84,573 respectively a 2007 estimate). Males had a median income of $39,548 versus $30,741 for females. The per capita income for the city was $27,180. About 9.5% of families and 12.7% of the population were living in poverty, of which 20.8% were under age 18 and 10.4% were age 65 or over.

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Economy

According to the City's 2009 Comprehensive Annual Financial Report, the top employers in the city, excluding state and local government, are:

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Transportation

Bus

The Annapolis Department of Transportation (ADOT) provides bus service with eight routes, collectively branded Annapolis Transit. The system serves the city with recreational areas, shopping centers, educational and medical facilities, and employment hubs. ADOT also offers transportation for elderly and persons with disabilities. Several Maryland Transit Administration commuter buses also allow for access to Baltimore or Washington, D.C.

Railway

Annapolis is the only capital city in America east of the Mississippi River without rail transport of any sort. From 1840 to 1968, Annapolis was connected to the outside world by the railroads. The Washington, Baltimore & Annapolis Railroad (WB&A) operated two electrified interurban lines that brought passengers into the city from both the South and the North. The southern route ran down King George Street and Main Street, leading directly to the statehouse, while the northern route entered town via Glen Burnie. In 1935, the WB&A went bankrupt due to the effects of the Great Depression and suspended service along its southern route, while the newly created Baltimore and Annapolis Railroad (B&A) retained service on the northern route. Steam trains of the Baltimore and Ohio Railroad also occasionally operated over the line to Annapolis, primarily for special Naval Academy movements. Passenger rail service on the B&A was eventually discontinued in 1950; freight service ceased in 1968 after the dilapidated trestle crossing the Severn River was condemned. The tracks were eventually dismantled in 1976.

The popular Baltimore & Annapolis Trail now occupies the former railway line between the Severn River and Glen Burnie. The equally popular Washington, Baltimore and Annapolis Trail occupies the WB&A's southern route into Annapolis.

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Government

City government

Annapolis is governed via the weak mayor system. The city council consists of eight aldermen who are elected from single member wards. The mayor is elected directly in a citywide vote. Since 2008, several aldermen have introduced unsuccessful charter amendments to institute a council-manager system, a move opposed by both Democratic mayor Joshua J. Cohen and his Republican successor Mike Pantelides.

State government

The state legislature, governor's office, and appellate court are located in Annapolis. While Annapolis is the state's only capital, some administrative offices, including a number of cabinet level departments are based in Baltimore.



Education

Annapolis is served by the Anne Arundel County Public Schools system.

Founded in 1896, Annapolis High School has an internationally recognized IB International Program. St. Mary's High School and Elementary School are located in downtown Annapolis on Spa Creek. St. Anne's School of Annapolis, Eastport Elementary School, Aleph Bet Jewish Day School, Annapolis Area Christian School, St. Martins Lutheran School, Severn School, and Indian Creek School are also in the Annapolis area. The Key School, located on a converted farm in the neighborhood of Hillsmere, has also served Annapolis for over 50 years. Anne Arundel County's alternative high school, Mary E. Moss Academy is also in the Annapolis area.

Public High Schools That serve students in the Annapolis area:

  • Annapolis High School
  • Arundel High School
  • Broadneck High School
  • Old Mill High School
  • Severna Park High School
  • Southern High School
  • South River High School


Sports

On March 9, 2010, the Chesapeake Bayhawks of Major League Lacrosse moved from Washington D.C. to the Annapolis area, currently at Navy-Marine Corps Memorial Stadium. On August 25, 2013, the Bayhawks won the Steinfeld Cup for the fifth time.



Publications

The Capital covers the news of Annapolis and Anne Arundel County See also: List of newspapers in Maryland in the 18th-century: Annapolis



Notable people

  • John Henry Alexander (1812-1867), born in Annapolis, noted scientist, businessman, and author
  • Bill Belichick (April 16, 1952), lived in Annapolis, head coach of the New England Patriots
  • John Beale Bordley (1727-1804), noted government official, farmer, and author
  • James M. Cain, journalist and crime writer
  • Donald Brown, NFL and AFL player
  • Charles Carroll (1723-1783), Continental Congressman from Maryland
  • Charles Carroll of Carrollton (1737-1832), United States Senator and signer of United States Declaration of Independence
  • Peter K. Cullins (1928-2012), American U.S. Navy admiral
  • John Wilson Danenhower (1849-1887), Arctic explorer of the Jeannette expedition
  • John Beale Davidge (1768-1829), doctor associated with the development of several surgeries, author, co-founder of University of Maryland, and professor there
  • Henry Winter Davis (1817-1865), United States Representative from Maryland
  • Daniel Dulany the Younger (1722-1797), born in Annapolis, prominent Loyalist and one of the most powerful lawyers in America prior to the American Revolutionary War
  • Robert Duvall, actor, lived in downtown Annapolis
  • John Davidson Godman (1794-1830), born in Annapolis, noted naturalist, anatomist, college professor and author
  • Jon Eubanks, Republican member of the Arkansas House of Representatives from Logan County; graduated from high school in Annapolis.
  • John Hall (1729-1797), born in Annapolis, delegate to the Continental Congress from Maryland
  • Alexander Contee Hanson (1749-1806), born in Annapolis, noted jurist
  • Alexander Contee Hanson (1786-1819), born in Annapolis, son of the above, United States Congressman and Senator from Maryland
  • Reverdy Johnson (1796-1876), born in Annapolis, United States Senator from Maryland and Attorney General of the United States
  • Barbara Kingsolver, fiction writer
  • Iris Krasnow (1954-), American author, journalism professor, and keynote speaker
  • Frank J. Larkin, Sergeant at Arms of the United States Senate
  • James Booth Lockwood (1852-1884), born in Annapolis, army officer and Arctic explorer; the person who named Lockwood Island
  • Margaret Mercer (1791-1846), born in Annapolis, noted author, educator, and member of the American Colonization Society
  • William Duhurst Merrick (1818-1889), born in Annapolis lawyer, professor at George Washington University, and United States Senator from Maryland
  • Debbie Meyer, Olympic swimmer
  • William Paca (October 30, 1740 - October 23, 1799), signatory to the United States Declaration of Independence as a representative of Maryland
  • Travis Pastrana, X-Games athlete, former NASCAR driver
  • Christian Siriano, fashion designer and winner of the fourth season of Project Runway
  • Leo Strauss, (September 20, 1899 - October 18, 1973), German-born Jewish political philosopher who specialized in the study of classical philosophy; spent his last three years of life teaching at St. John's in Annapolis
  • Mark Teixeira (April 11, 1980-), professional baseball player for the New York Yankees
  • St. Clair Wright (1910-1993), preservationist and gardener
  • Stan Stearns (May 11, 1935 - March 2, 2012) Photographer of the iconic image of a three-year-old John F. Kennedy, Jr. saluting the coffin of his father, US President John F. Kennedy, at his father's funeral.


Neighborhoods and suburbs



Sister cities

Annapolis is a sister city of these municipalities:

  • Tallinn, Estonia
  • Newport, Pembrokeshire, Wales, United Kingdom
  • Dumfries, Scotland, United Kingdom
  • Wexford, Co. Wexford, Ireland
  • Annapolis Royal, Nova Scotia, Canada
  • Karlskrona, Sweden
  • Redwood City, California, U.S.
  • Niterói, Rio de Janeiro State, Brazil


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