March 8th, 2010:
The Italianate style of home

Italianate homes, which appeared in Midwest, East Coast, and San Francisco areas between 1850 and 1880, can be quite ornate despite their solid square shape. Features include symmetrical bay windows in front; small chimneys set in irregular locations; tall, narrow, windows; and towers, in some cases. The elaborate window designs reappear in the supports, columns, and door frames.
Old Town Alexandria has a number of Italianate homes.
What’s the quickest way by Metro?
Did you know that that the Washington Metro Transit Authority (WMATA) offers a free, web-based service called the Trip Planner? Using Trip Planning you can instantly learn accurate and timely information about metro buses and trains to schedule your next trip. The Trip Planner will offer the best route(s) to take to get there and include fare information and walking directions from a Metrorail station or bus stop to a given address.
If you’re seeking a home on the Metro, you might find our search by station resource particularly helpful.
HUD Advances fight against loan modification scams
National Coalition Launches Online Scam Reporting Tool
An announcement from the U.S. Department of Housing and Urban Development:
WASHINGTON — The U.S. Department of Housing and Urban Development, in partnership with the Loan Modification Scam Prevention Network, today announced the launch of PreventLoanScams.org.
“ Homeowners at risk of foreclosure can be easy prey for home loan modification scammers. Often, dishonest individuals lure vulnerable homeowners into foreclosure rescue scams by making false promises. Scammers frequently claim they can lower mortgage payments or stop the foreclosure process. ”
“Troubled homeowners lose time and money when they are tricked by con artists who promise to help but never do,” said John Trasviña, HUD Assistant Secretary for Fair Housing and Equal Opportunity. “This initiative combines the collective energies of public and private enterprises to strengthen the ability of law enforcement to prosecute scammers and protect homeowners.”
The Loan Modification Scam Prevention Network, a national coalition of public and private enterprises, is led by the Lawyers’ Committee for Civil Rights Under Law. Fannie Mae, Freddie Mac, the Homeownership Preservation Foundation, and NeighborWorks America assist the Lawyers’ Committee in leading the coalition’s fight against loan modification scams.
The Network developed PreventLoanScams.org to provide homeowners with a single destination to report alleged scammers. Complaints filed online are added to a national complaint database and forwarded to the appropriate law enforcement agencies for review. The Network estimates that the website will assist approximately 50,000 homeowners affected by scams. Additionally, HUD has directed its local fair housing and housing counseling grantees to begin reporting alleged loan modification scams via the website.
The creation of a national complaint database is a major step in the fight against loan modification scams. Prior to the launch of PreventLoanScams.org, federal, state, and local government agencies could not share complaint data with non-profit organizations. The new system allows for better analysis of trends across jurisdictional lines and will likely lead to an increase in private enforcement action filings.
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HUD is the nation’s housing agency committed to sustaining homeownership; creating affordable housing opportunities for low-income Americans; and supporting the homeless, elderly, people with disabilities and people living with AIDS. The Department also promotes economic and community development and enforces the nation’s fair housing laws. More information about HUD and its programs is available on the Internet at www.hud.gov and espanol.hud.gov.
HOAs Seek Association Fees from Banks
Condominium and home owners associations desperate for money are experimenting with a tactic called “reverse foreclosure” to force banks to pay association fees.
The process works like this: When a borrower stops paying the mortgage, banks often delay taking the property into foreclosure. When banks delay, neither the former home owner nor the bank is paying association fees.
To remedy this, the association files its own foreclosure notice, taking over the title. The association can’t sell the property because of the bank’s lien on it. So the association goes to court, renounces the property and asks the judge to give the title back to the bank.
When the judge does so, the bank has to pay the fees. Experts say this technique is becoming very popular in parts of the country where there are a lot of foreclosed condos.
Source: Miami Herald, Rachael Lee Coleman (03/07/2010)
Conclusion: Commas Are Essential to Writing
In closing this exploration of the comma, here is a fun example that drives home the importance of mastering this common yet often misunderstood writing tool. The example is slightly modified from an example that Lynne Truss shares in her punctuation handbook, Eats, Shoots, and Leaves.
Consider the following sentence:
The woman without her man is nothing.
Not a good statement to make, is it? (When I present this sentence in English classes, I become the target of many an angry glare from female students.) Now, let’s improve this sentence by adding some commas:
The woman, without her, man is nothing.
Two commas—and nothing more—have drastically altered the meaning of this sentence. In fact, this second sentence expresses the very opposite message from that of the first.
Commas matter. Far too often, people think of commas as cute separating squiggles—useful, to be sure, but hardly critical. Transformed completely by the presence of two commas, the sentence above blows popular underestimations of the comma clean out of the water.
Granted, commas may not always make as drastic a change as the one seen in the example above, but they often make for some kind of difference in meaning. And, even if they do not change a sentence’s meaning, commas tell our audience how to read our prose. Commas tell readers where to pause and where to lower intonation. Commas, without taking up any more than a single space of text, identify clauses, phrases, and words that act as modifying asides within larger sentences. Commas play much the same role that rests play in music, and that negative space plays in visual art. Just as absence is essential to music and art, so too is the comma essential to writing. To understand and apply the comma is to manipulate absence, as well as presence, in the art of writing; it gives you control, not only over what is said, but also over what is not said.
With these points in mind, mastering this writing essential is worth your best effort.
Next up: Myths We Learn in Grade-School English
Well, that’s it for commas (at least, for now). It’s time to move on to another subject, one that I find both fascinating and troubling. In the course of our early education in English and writing, many of us learn sets of writing rules, especially in the form of “do” and “do not.” Useful in the early stages of writing, these rules are presented to us as set-in-stone absolutes, and not as practices that are subject to change. But, as we develop as thinkers and writers, these rules begin to seem constrictive and even counter-productive to our writing. Still, so adamantly did our childhood teachers express these rules, that we cringe even at the thought of breaking them.
Do you know what I’m talking about? Here are a few examples I’ll bet you’ve encountered. Have you ever heard a teacher say, “Never begin sentences with coordinating conjunctions like and or but”? Or maybe you’ve heard this one: “Do not ever use the personal pronoun you in your writing”? Do these rules trouble you, given the fact that journalists and award-winning writers frequently commit such taboos to create expressive, moving prose? Do you ever find yourself wanting—or perhaps needing—to break these rules?
If so, the upcoming series of articles, entitled, “Myths We Learn in Grade-School English,” is for you.
Here is a link to the introduction of that series:
Christopher Altman, a community-college composition specialist, is passionate about bringing the art of effective wri
ting to average, everyday Americans. He has published work in the field of medieval literature, and has authored a book on advertising language entitled, Telling the Truth to Deceive: How Advertisers Manipulate the English Language. Mr. Altman is an assistant professor of English at Onondaga Community College in Syracuse, New York.
Stylistic Commas: To Comma or Not to Comma?
Too often, people think of commas purely in terms of right and wrong, correct and incorrect. Sometimes, though, comma placement is a matter of choice. In such cases, the decision to use a comma depends on the writer’s intention. Maybe she wants to emphasize a word by creating pauses, both before and after the word. Maybe she wants to show that some phrase or word is nonessential to the main point of the sentence. Such comma placements may not be grammatically necessary, but they serve the purpose of style.
Consider the following sentence. Here are two ways I can write it. Note that both ways are grammatically correct, but stylistically distinct:
Comma placement sometimes comes down to a matter of choice.
Comma placement, sometimes, comes down to a matter of choice.
In the first sentence, I do not place any extra emphasis on the adverb, “sometimes.” The second sentence emphasizes the word—showcases it—so that the reader is left with the impression that the adverb, “sometimes,” is of central importance to the sentence’s message. It stresses the point that comma placement is a matter of choice, but only in some cases. Logically enough, I call such commas “stylistic commas.” You might also call them “optional commas,” or even “optional stylistic commas.” Think of it in whatever terms work best for you.
How do we know where to use stylistic commas? My method is to think about where I want emphatic pauses, and then to apply the comma rule of thumb. Do you remember that rule from our previous comma discussions? Just to be sure, here is the full version of the comma rule of thumb, with exceptions included:
Comma Rule of Thumb: Wherever you intend a slight pause, usually for emphasis, use a comma. The only exception is if you are connecting two sentences, in which case you need a semicolon to show the pause.
With the comma rule of thumb in mind, think about the following sentences. Consider where I want readers to pause, and how I show those pauses with commas. Also, consider why I want readers to pause in those places.
The community college, in my view, is a valuable resource for non-traditional adult learners.
Commas are simple, once we embrace their complexity.
I enjoy writing, and teaching it.
Notice how, in that third sentence, I placed a comma before the coordinating conjunction “and,” although I did not use “and” to combine two independent clauses. You may recall a past article, where I stated that the purpose of the comma preceding “and” is to show that “and” functions to combine two complete sentences. Although the statement, “I enjoy writing,” is a complete sentence, the phrase, “teaching it,” is hardly a complete sentence. Is this comma placement an error, then? Did I misuse the comma?
No. Though it appears to disobey established rules, I used that comma correctly. I placed that comma to create a stylistic pause before “and”—not to support it as a coordinating conjunction. This comma does not exist for any grammatical purpose. It serves the effect of creating a stylistic pause between two different ideas: (1) writing and (2) teaching writing. I want my reader to see that I recognize writing and teaching writing as two distinctly different practices. That comma (and the pause it represents) expresses that distinction. My reader knows then, that although I recognize them as two distinct practices, I enjoy both writing and teaching writing. The content of my writing (namely, that there is a separation between writing and teaching writing) is reflected by a separation in the writing that expresses that notion. When placing stylistic commas, intention and purpose matter.
Still, situations like this cause a great deal of comma confusion. Armed with the (normally useful) rule that “commas precede coordinating conjunctions to show that they combine two complete sentences,” novice writers encounter a sentence like the third example above, and they are suddenly lost. I can hear them now: “I thought the comma rules said I should place commas before coordinating conjunctions only to show that two sentences are being combined. This is not a case where two sentences are being combined, yet there it is: a comma before ‘and.’ What gives?”
What must give is the notion that commas are always dictated by set-in-stone, all-encompassing rules. One additional rule accompanies every comma rule I have given you up to this point: use commas wherever you think a separation, or emphatic pause, should occur to highlight some word, phrase, or clause. Reading your sentence aloud—the way you want it to sound—and then placing commas where you hear pauses is a good start. The comma rule of thumb will not lead you astray.
Other Options (Dashes, Parentheses, and Colons)
If you find that a sentence seems overburdened with commas, try using other forms of punctuation that set things off (like parentheses, dashes, and colons—but only where appropriate).
Consider the first sentence of this section (the sentence directly above this one). What if I had expressed every pause with commas, as in the sentence below?
If you find that a sentence looks overburdened with commas, try using other forms of punctuation that set things off, like parentheses, dashes, and colons, but only where appropriate.
So many commas! Like mobs of traders scrambling over the floor of the New York Stock Exchange, these commas create an environment of clutter and confusion. Each comma performs its own task, but through doing so, these commas collide with one another and disrupt the clarity of the sentence—the very effect that commas should evoke. This overabundance of overlapping commas can leave readers confused. In cases like the one above, I consider ways that I can use other forms of punctuation to make the various divisions clear and distinct. (See the first version of my sentence—much better, isn’t it?)
Still, be careful to use the best form of punctuation for the tone you are trying to express. Choosing parentheses over commas is not an arbitrary decision—a random replacement in which you say, “Those parentheses look nice here. What the heck?—I’ll pop one in, just because.” Parentheses—though very similar to commas when setting off tangential, interrupting phrases—still serve a distinct role. And, like parentheses, dashes and colons each have their unique purpose.
Here is a very brief breakdown of how these forms of punctuation serve unique roles in setting off interrupting or modifying phrases in sentences:
Parentheses: Set off the interrupting phrase in a subtle tone (as if the writer is whispering an inside scoop into the reader’s ear).
Dashes: Set off the interrupting phrase in a spontaneous, almost exclamatory tone—the total opposite of parentheses.
If parentheses are subtle and quiet, while dashes are spontaneous and loud, consider commas neutral. They emphasize the words and phrases they set off, but they do so in a calm yet firm tone. With the appearance of a comma, there is often a slight drop in pitch, but the tone, although slightly altered, remains neutral.
Consider these forms of punctuation in terms of the scale below:
Punctuation Volume Mood
Dash: exclaimed (almost) Loud Bold
Comma: spoken normally Neutral Calm
Parentheses: whispered Quiet Intimate
Finally, consider the colon. (Two dots, one above the other [:], the colon is not to be confused with the semicolon [;]). The colon expresses equality of two items, whether words, phrases, or sentences. The colon is the equal sign of writing: one reason many dictionaries use it between a word and the word’s definition. (Think about it: a definition is simply a restatement of the word it defines.) Notice how, in the preceding sentences, I used colons, not to set off interrupting phrases, but to create two sides of each sentence. In mathematical terms, here is what I said in that first sentence:
[the fact that] the colon is the equal sign of writing = one reason many dictionaries use it.
Or, consider the parenthetical sentence that followed:
Think about it: a definition is simply a restatement of the word it defines.
By using a colon, I am defining the pronoun “it” as used in my sentence. With that purpose in mind, here is the essential redefinition of “it” in my sentence’s context:
it: [the notion that ]a definition is simply a restatement of the word it defines
A mathematician might prefer to see it written this way:
it = [the notion that] a definition is simply a restatement of the word it defines
Now, with that definition of “it” in mind, I might rewrite the sentence this way:
Think about the notion that a definition is simply a restatement of the word it defines.
Still, this new non-colon version is not nearly as striking as the first version, is it? This new version sounds over explained, and maybe a bit stodgy. Worse yet, it lacks spontaneity and assertion. The first version challenges the reader, in three forceful words, to consider an idea about something that seems familiar and maybe a bit dull, namely, a dictionary definition. It creates mid-sentence suspense, a pause that says, “I’m about to say something thoughtful. Here it comes! Are you ready?” It expresses the notion that the idea is simple, if we stop to consider it. When the reader sees those words, “Think about it,” there is a sense, whether conscious or unconscious, that something interesting and thoughtful (but often overlooked) is on the other side of that colon. The colon puts the reader into a mindset to receive the idea that follows it.
See how that works?
Conclusion: To Comma or Not to Comma?
If you feel that your writing too often reads like an uninterrupted, clinical stream of data, consider some consciously placed stylistic commas. On the other hand, if you feel that commas are a bit excessive in your writing, or that you are writing in a monotone, play with dashes, parentheses, and colons. Each has its own unique place in the writer’s toolbox.
Stay tuned for the conclusion to this series on commas, where I will share an interesting example of how commas can change the meaning of sentences. With that conclusion, we will bid this handy writing tool farewell, at least for a time. After that, I will leave our discussion of punctuation for a while, to examine the myths of writing that many of us learn in grade-school English.
Here is the link to the conclusion of these comma articles:
Christopher Altman, a community-college composition specialist, is passionate about bringing the art of effective writing
to average, everyday Americans. He has published work in the field of medieval literature, and has authored a book on advertising language entitled, Telling the Truth to Deceive: How Advertisers Manipulate the English Language. Mr. Altman is an assistant professor of English at Onondaga Community College in Syracuse, New York.



