UK Wikinews Shorts: July 8, 2013

A compilation of brief news reports for Monday, July 8, 2013.

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Mortgage Tips And Tricks

Submitted by: Michael Rad

Generally speaking, the better your credit the better your chances of getting a zero down payment home loan. Fortunately, mortgage lenders are now offering no money down home loans to homebuyers who have less than perfect credit. You may pay a slightly higher interest rate than those who put down ten percent or more, but you can still get a great interest rate and easy payments when you apply for a no-money-down home loan. You can expect to pay private mortgage insurance if your pay little or no money down on your new home, but the cost is relatively low and you will be able to drop the private mortgage insurance after you have built a certain amount of equity on your home.

If you do not have the resources to pay a twenty percent down payment, you could opt for a piggyback loan. A piggyback loan is basically a home equity loan that funds part of your down payment. There are several options in obtaining a piggyback loan. Mortgage lenders have a variety of programs and loan products that will help you accomplish your dream of home ownership, even if you have little or no money for a down payment. Your lender can also inform you of various government programs that assist those who qualify with their down payment. Most of these programs consist of basically a low interest loan that you repay along with your mortgage payments. There are some government programs that will not require you to repay any down payment assistance you may receive.

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Get quotes: Different lenders may quote you different prices, so you should contact several lenders to make sure you’re getting the best price. You can also get a mortgage through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker’s access to several lenders can mean a wider selection of loan products from which you can choose.

Get Costings: Be sure to get cost information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved. Knowing just the amount of the monthly payment or the interest rate is not enough.

Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week.

Ask about the mortgage’s annual percentage rate (APR). The APR takes into account not only the interest rate but also broker fees and certain other credit charges that you may be required to pay, expressed as a yearly rate.A mortgage often involves many fees, such as underwriting fees, broker fees and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a mortgage and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. “No cost” loans are sometimes available, but they usually involve higher rates.

Negotiate: Once you know what each lender has to offer, negotiate for the best deal that you can. There’s no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written quote from the lender or broker. The quote should include the rate that you have agreed upon and the period the quote lasts. When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal.

About the Author: Other resources:

mortgage-for-all.comweb-hosting-heaven.comexpert-dog-training.commy-health-advice.com

Source:

isnare.com

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Category:June 27, 2006

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Increase Business Relations By Sharing Office Space

byAlma Abell

When you do not need to rent an entire office space, consider inquiring about renting a cubicle or office in an established office. Many office buildings have empty offices that are rented to individuals that just need the use of a private office a few days out of a month. This allows entrepreneurs to share space with others that could potentially lead to future business relations. In some cases shared office space can be an open environment conducive to the ebb and flow of professionals during a common work day.Enjoy Amenities Such as Wi-Fi and Much More

When you share office space, you may even have access to copiers, faxes and printers. You can easily bring your laptop and use Wi-Fi for internet purposes. This can all be included in a rental agreement for the premises of a shared office. It may also include the use of conference rooms, and receptionists. Overall the idea is to be free to work flexible hours and retain an independent work style. The traditional work day is starting to change and encompass hours that are not necessarily customary. It may not take you an entire day to complete tasks for your business. This is why shared offices are a natural choice for modern entrepreneurs.

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Who Benefits from Shared Office Areas the Most?

Shared office areas are perfect for entrepreneurs that are starting their own business. They can easily grow without incurring the great expense that accompanies renting a full office space. Businesses that are more likely to share an office area include tech startups, creative professionals, lawyers, web designers, digital marketing agencies, programmers and developers, small business owners and social media consultants. Ultimately shared office areas are the perfect breeding ground for a startup culture.

Rent a Shared Office Area from Professional Office Rental Companies

When you contact a professional office rental company you are turning to the experts that are going to be able to help place you in an office space that is thriving, and can aid you in advancing in your area of business. You will be immersed in a vibrant working community that will essentially become your tech hub. Even if you do not use the office space on a daily basis, having a place to call your own and meet clients is a wonderful start to any business. There is no better way to network and connect with other business owners.

Bevmax Office Centers are known for being able to place entrepreneurs in their own shared office space. Contact them today to find the office space area that fits you best.

Wikinews interviews Spanish Paralympic track and field athlete Alberto Suárez Laso

Wednesday, July 17, 2013

With the IPC Athletics World Championships scheduled to start this Friday, Wikinews interviewed Spanish T12 classified long distance runner Alberto Suárez Laso at Madrid–Barajas Airport Monday before he departed for Lyon, France. Suárez is scheduled to compete in two events, the T12 5,000 meters and marathon events.

((Wikinews)) Hi this is Laura Hale. I’m interviewing Alberto Suárez, who is a visually-impaired runner competing for Spain in the IPC World Championships. What events are you doing? ((es))Spanish language: ?¿En qué eventos estás?

Alberto Suárez Laso : Marathon and 5000m. ((es))Spanish language: ?Maratón y 5000m.

((WN)) You have a World Record? Are you going to smash it and give Spain a gold medal? ((es))Spanish language: ?¿Vas a romper el record mundial y darle a España un oro?

Alberto Suárez Laso: This time it’s a bit complicated because I’m going a bit injured. ((es))Spanish language: ?Esta vez está un poco complicado porque voy un poco lesionado

((WN)) Ah. You finished second in London [the 2012 Summer Paralympics]? ((es))Spanish language: ?¿Terminaste segundo en Londres?

Alberto Suárez Laso : I finished first.

((WN)) The injury has impacted you training? ((es))Spanish language: ?¿La lesión ha perjudicado tu entrenamiento?

Alberto Suárez Laso : For the last three weeks I’ve been doing gym and walking machine only. I have pain in my Achilles tendon. ((es))Spanish language: ?Llevo tres semanas solo con gimnasio y elíptica. Tengo dolor en el tendón de Aquiles.

((WN)) So, as someone who writes from an international perspective, do you think Spain’s got all that stuff to help you properly? The medical support, stuff to help you recuperate and be a great runner?

Alberto Suárez Laso : I hope so. We’re there, they’ve been treating me very well and I hope to be able to run without pain, which is the most important thing. I’ve got the training, but I need to remove that pain. ((es))Spanish language: ?Espero que sí. Estamos ahí, me están tratando bastante bien y espero correr sin dolor, que es lo fundamental. La preparación la tengo, pero hay que quitar ese dolor.

((WN)) Do you run with a guide?

Alberto Suárez Laso : No.

((WN)) Okay, so are you T-13?

Alberto Suárez Laso : T-12.

((WN)) Oh. So it’s optional for a guy at T-12?

Translator : He could, but he’s not too badly impaired. He can run by himself.

((WN)) So is your preference to run without a guide?

Alberto Suárez Laso : It’s complicated because of the pace I run at. I would require several guides, and it’s hard to find them. ((es))Spanish language: ?Es una complicación por el ritmo al que corro. Necesitaría varios guías y es dificil conseguirlos.

((WN)) Do most of your competitors run with guides?

Alberto Suárez Laso : Not among the first ones. Well, there are a couple that do run with guides, but the rest don’t. ((es))Spanish language: ?Los primeros no. Bueno, hay un par de ellos que corren con guía, los demás no.

((WN)) Is there anything you would like to say about this competition coming up that people from an international sporting community would find valuable to know?

Alberto Suárez Laso : Mm, I don’t know what to say!

((WN)) Okay. Thank you very much! ((es))Spanish language: ?¡Muchas gracias!

Alberto Suárez Laso : You’re welcome! ((es))Spanish language: ?De nada.
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Poison control centers educate public on hand sanitizer consumption

Wednesday, May 2, 2012

Teens may ingest hand sanitizer recreationally, and one or two swallows could get a child visibly drunk.

Poison control centers across the US are monitoring a recent increase in the trend of teenagers getting drunk by consuming hand sanitizer. In an effort to educate the public about the trend’s detrimental effects, these centers will be publicizing preventative methods, according to James Mowry, director of Indiana Poison Center.

“We are going to keep a close watch on this trend,” said Mowry. “We will be posting information on our Facebook page so our public will be aware of what could happen.”

Sixteen cases have been reported in California since March 1, according to the California Poison Control System. This amount raises California’s total to 60 cases reported since 2010.

Since the system “only receives the reported cases,” said Stuart E. Heard, executive director at CPCS, “… we suspect there are much more that go unreported.”

Ingesting the product can cause severe internal damage. The US Food and Drug Administration considers hand sanitizer a drug because the active ingredient in the product is alcohol. Low numbers of reported cases will not stop poison control centers from educating the public on the trend’s harmful effects, according to Mowry.

Hand sanitizer contains 62 percent ethyl alcohol and, when ingested, produces the same effects of consuming a 120-proof alcoholic beverage or 50 percent more alcohol than hard liquor, according to Mowry. These effects range from dizziness to slurred speech. Ingesting the product can also lead to severe internal damage including alcohol poisoning. Alcohol poisoning symptoms include confusion, vomiting, seizures, slow or irregular breathing, blue-tinged or pale skin, low body temperature, and unconsciousness, according to a report from the American Association of Poison Control Centers.

“Teens may ingest hand sanitizer recreationally, and one or two swallows could get a child visibly drunk. The larger the bottle, the greater the potential for poisoning,” said Cyrus Rangan, a medical toxicology consultant at the Children’s Hospital Los Angeles and an assistant medical director at CPCS.

Teenagers learn how to extract the alcohol from the product through various sources, like YouTube tutorials. A common method of distilling hand sanitizer involves using salt to isolate the alcohol. Other teens boil the product to separate the ethanol.

“Methods to distill it can be found through friends and the Internet, but straight ingestion of the product without distillation is also common,” said Rangan. Another concern with this trend is the product’s availability. “Hand sanitizer is readily available,“ said Heard. “Teens can buy it anywhere.”

Officials suggest parents keep hand sanitizer out of children’s sight and reach. Also, purchasing hand sanitizer in foam form instead of gel makes drinking the substance less appealing. However, education is critical. “The main preventative focus should be education,” said Heard. “Teens need to thoroughly understand the effects of consuming large amounts of alcohol in a short amount of time.”

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Electric vehicles can be less green than classic fuel cars, Norwegian study finds

Sunday, October 7, 2012

A Norwegian University of Science and Technology study released Thursday found electric vehicles have a potential for higher eco-toxicity and greenhouse impact than conventional cars. The study includes an examination of the electric car’s life cycle as a whole rather than a study of the electric car’s environmental impact during the use phase.

The researchers conducted a comparison of the environmental impact of electric cars in view of different ratios of green-to-fuel electricity energy sources. In the case of mostly coal- or oil-based electricity supply, electric cars are disadvantageous compared to classic diesel cars with the greenhouse effect impact being up to two times larger.

The researchers found that in Europe, electric cars pose a “10% to 24% decrease in global warming potential (GWP) relative to conventional diesel or gasoline vehicles”.

The researchers suggest to improve eco-friendliness of electric vehicles by “reducing vehicle production supply chain impacts and promoting clean electricity sources in decision making regarding electricity infrastructure” and using the electric cars for a longer time, so that the use phase plays a more important role in the electric vehicle life cycle.

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Long Term Care Costs By State And Other Factors That Affect The Rates Of Ltc Policies

It is nice to know that more and more people are now encouraged to purchase long term care policies for their needs in the coming years. The initiatives and other programs developed by the government with the help of some private insurance providers are now paying off and people are now aware, not only of the benefits, but also of the other facts such as long term care costs by state and other pertinent facts in an LTC plan.

People are now informed of what they should consider and look for in an LTC policy. Included in these considerations are the three mandatory features that all LTC policies must have in order to be considered valid and authorized. First of these compulsory features is the so-called minimum daily benefit amount. This determines the price limit or quota of an insured person for every time he uses his policy benefits. Depending on the type of LTC policy that he has, he might be given reimbursement of the exact amount that he has incurred, or might also be given the whole amount of his price cap. But regardless of the plan type, he will be responsible of paying the remaining balance or any amount that will exceed his quota for the day.

The minimum benefit coverage period sets the duration or validity of a certain policy. Usually, an average length of stay in a nursing home facility lasts for three years. But for some cases wherein an individual’s health condition requires more medical care and treatment, he may try to apply for Medicaid benefits. He may be granted eligibility to its benefits given that he meets the set of requirements and standards.

[youtube]http://www.youtube.com/watch?v=esFb307Ti_w[/youtube]

Inflation protection, regarded as the most important of all LTC plan features, may also affect the long term care costs by state. It has the ability to adjust and make the value of certain policies updated according to the current costs of LTC services. The adjustment is automatic, regardless if the policy was originally acquired at a much cheaper price, years prior to the actual usage of the person’s plan benefits.

The levels of inflation protection are based on the age of an individual when he applied and purchased his LTC policy. Higher levels of inflation protection are given to those people who acquired policies at age 60 or younger. This is the reason why some insurance industry experts strongly suggests that LTC policies must be acquired when the person is still young, and has stable financial income to sustain the payment of his plan’s monthly premiums.

In order to get more accurate LTC insurance quotation, the person must provide truthful and important personal information like his real age, his health condition, his family’s medical background, if he smokes or not, and some other details that may be asked in order to generate LTC insurance plan quotations.

If an individual is still hesitant and might still need more information, the online LTC assessment tools provided by some private insurance companies’ websites may help them find out about long term care costs by state and other helpful facts that may get them purchase their own plans soon.

Article Source: sooperarticles.com/finance-articles/insurance-articles/long-term-care-costs-state-other-factors-affect-rates-ltc-policies-566442.html

About Author:

A lot of Americans will surely need help with their failing health in the future; thus, long term care planning is a must these days. If you are hitting retirement or you simply want to protect yourself and your family’s welfare, it would be best to secure a long term care quote.Author: Graeme Harris

Author Amy Scobee recounts abuse as Scientology executive

Monday, October 11, 2010

Wikinews interviewed author Amy Scobee about her book Scientology – Abuse at the Top, and asked her about her experiences working as an executive within the organization. Scobee joined the organization at age 14, and worked at Scientology’s international management headquarters for several years before leaving in 2005. She served as a Scientology executive in multiple high-ranking positions, working out of the international headquarters of Scientology known as “Gold Base”, located in Gilman Hot Springs near Hemet, California.

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