Categories
Financial Planner

How To Prepare For A Mortgage Refinance

Now is a perfect time to determine if you are in a position to take advantage of these record low interest rates. If you choose to refinance you may be able to reduce your monthly mortgage principal and interest payment or the term of your loan.

According to mortgage lenders, one of the main factors in determining the interest rate for a mortgage refinance is your credit score. You may not be able to do much about your home’s current value, or a lender’s underwriting guidelines and standards, but there are options available to help you improve your credit score and increase your chances of getting a mortgage loan refinance approved.

How to Prepare for a Mortgage Refinance

Mortgage lenders pay particular attention to your financial activity in the months preceding and during your refinance. Be careful of the money you spend during this time. Any new debt you incur could negatively impact your ability to successfully refinance your home loan.

[youtube]http://www.youtube.com/watch?v=HLIhtnshN6A[/youtube]

Make sure you have thought through the reasons for your refinance. If you want to take cash out of your home, mortgage lenders will want to know what you plan to do with the money. Are you funding a college education? A second home? A home remodel?

Whatever you plan to do, make sure you understand what it will cost. Check your financial institution’s web site for handy calculators that can help you put together your plan. A qualified mortgage lender can help answer questions about the refinance process and underwriting standards.

You’ve Determined a Mortgage Refinance Makes Sense – Now What?

To give yourself the best opportunity for a refinance approval and a competitive interest rate, plan well in advance and make an appointment with a qualified mortgage lender to discuss the options available. Make sure you have checked your credit report to ensure your payment history is correct. Just one missed payment can have a negative impact on your credit score. Making corrections to your payment history can take time, so it’s important to review your credit report often and make corrections as needed.

Another item to consider is to reduce your debt level as much as possible prior to loan application, especially your credit card balances. Your credit score will factor in how much available credit you have. If you’re maxed out on one or more cards, your credit score will be impacted. Some mortgage lenders recommend keeping credit card balances to no more than 30 percent of your available credit.

In addition, keep your oldest accounts open. Closing accounts often has the opposite effect of what people think. The longer your credit history, the better. Don’t apply for new credit in the months prior to your refinance application; mortgage lenders may see this as potentially over-extending yourself.

Working at raising your credit score is the best thing you can do to help you get favorable refinancing terms and a loan approval. If you prepare carefully, you’ll be in a better position to take advantage of today’s low mortgage interest rates that can save you huge amounts over the life of your loan.

Article Source: sooperarticles.com/finance-articles/mortgage-articles/how-prepare-mortgage-refinance-750727.html

About Author:

Bret Pippen is a contributing editor and is the head of advertising and customer communications for Regions Bank, one of the nation’s largest full-service providers of consumer and commercial banking products and services. Learn more about mortgage lenders by visiting regionsbanklending.com/personal-and-family-growth/mortgage-a-home-equity/before-you-refinance.html.Author: Bret Pippen

Australian opposition minister gives speech on poverty

Thursday, October 20, 2005

Australian shadow minister for work, family, youth, and community, Tanya Plibersek, gave a speech today on poverty as part of Anti-Poverty Week 2005. During the speech she criticised the government in a number of areas, including not committing to the UN Millennium Development Goals, the proposed industrial relations legislation, and the governments funding of services for the homeless.

Anti-Poverty Week runs from Monday 17th to Friday 21st October, and is derived from the United Nations International Day for the Eradication of Poverty on October 17th. Shaun Mortimer, the coordinator of Anti-Poverty Week at UNSW, said that the week was about “creating awareness and finding solutions to the plight of those living in poverty all around the world.”

Ms Plibersek said that Australia is not doing enough to help those in poverty overseas. She said that Australia currently gives 0.28% of its Gross National Income in foreign aid, however this is far short of the United Nations target of 0.7%.

“The Australian government is refusing to commit to the 0.7% target,” she said.

The UN development goal states that governments should reach the target by 2015. Labor has committed to meet the target, but the government has not.

“Labor is committed to the 0.7% target. In the interim, the government should be spending 0.5% of GNI,” Ms Plibersek said.

Shadow Minister Plibersek accused the government of weakening Australias commitment to the Millennium Development Goals. The goals were agreed to in 2000 by all 191 member states of the United Nations. There are 8 goals, which signatory states have committed to work towards. The eight goals are:

  1. Eradicate extreme poverty and hunger
  2. Achieve universal primary education
  3. Promote gender equality and empower women
  4. Reduce child mortality
  5. Improve maternal health
  6. Combat HIV/AIDS, malaria, and other diseases
  7. Ensure environmental sustainability
  8. Develop a global partnership for development

Ms Plibersek said that Australia signed on to the goals, but is now not honouring that commitment, and is attempting to reduce the impact of the goals in an attempt to win the favour of the United States.

“We signed on to the millennium goals,” she said.

“In it’s rush to be popular with the US the government went along with watering down the millennium goals”

Shadow Minister Plibersek strongly criticised the governments proposed industrial relations legislation. She argued that the proposed changes will disproportionately affect already vulnerable people such as single mothers, and push working people into poverty.

“Industrial relations changes will see poverty worsen. It will increase the number of working poor,” she said.

Speaking about the governments hypthetical worker, “Billy”, used in promotional material, Ms Plibersek said individual workplace agreements will result in lowered working conditions for all workers. She also claimed that if a working person is paid a wage that does not provide them with enough resources to live, they will need to depend on government services such as income support, and therefore taxpayers will be subsidising the low wages.

“If Billy can not earn enough to live, then taxpayers are effectively subsidising business,” she said.

“If the system has no minimum standards it will drag everyone down. Unions have fought against this for over a century”

Ms Plibersek spoke about the problem of poverty in Australia. She said that 2.4 million people in Australia are living below the poverty line, and 1 million of them have jobs. She also argued that wealth inequality is getting worse.

“We have a nation now more divided than ever. The rich are getting richer and the poor are getting poorer,” she said.

Ms Plibersek felt that this situation was unnaceptable, and that the solution was only a matter of will.

“I don’t think we have to accept that people will always be poor. It is a situation we allow,” she said.

She also criticised the government for inadequately funding services for the homeless, and said that many homeless people who wanted help were unable to find any. Ms Plibersek argued that women escaping domestic violence were especially affected by this situation.

“We turn away 1 in 2 people who approach homeless services for help,” she said.

Ms Plibersek also condemned what the government describes as the “skills shortage”, saying that there are lots of Australians willing to gain skills, but are unable to get places in training institutions.

“We turn 20,000 people away from TAFE and University each year,” she said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Australian_opposition_minister_gives_speech_on_poverty&oldid=656376”

Hiker missing from US state of Utah wilderness found in Australia

Tuesday, August 23, 2005

A man missing from a camping ground in southern Utah in the Western US since July 30 was found in Australia. His automobile was found in a campground of Dixie National Forest with a note that he would be back in a few hours. An extensive search and rescue operation was conducted to try to locate this hiker by the Washington County Sheriff’s Office in Utah.

Investigators in the Sheriff’s Office were able to track him down to Cairns, Queensland. Apparently before he was “missing”, he bought a one-way ticket to Australia. Bryan Butas, the missing hiker, apparently had been under a great deal of stress and “got sick of it all”, according to a telephone interview by the Associated Press.

Butas has been charged with insurance fraud, a second-degree felony, by Washington County Attorney Brock Belnap. This was because Butas plotted to obtain a $250,000 life insurance policy before faking his own disappearance. He has also been given a bill for $20,000 by the Washington County Sheriff’s Office for their search and rescue operations on his behalf.

His wife and children have since his disappearance moved to the wife’s parent’s home in Ohio. Butas’s parents came to Southern Utah to help in the search and were “embarrassed and shocked” to learn their son had merely run away from marital and financial difficulties, Washington County Sheriff Kirk Smith said.

Washington County Sheriff Sgt. Jake Adams said his investigation included tracing an application Butas made for a passport, his purchase of a one-way airline ticket to Australia, and the life insurance policy that names his wife and children as beneficiaries. On August 18, Adams said Butas’s mother called him to say her son had called home the evening of August 11, several days after the search was officially called off for the missing man. Butas asked his mother for money and an airline ticket home, which she sent.

Butas has since been checked into the Veteran’s Administration Hospital in Brecksville, Ohio, according to Adams, but will shortly return to Utah.

Retrieved from “https://en.wikinews.org/w/index.php?title=Hiker_missing_from_US_state_of_Utah_wilderness_found_in_Australia&oldid=3130263”

Students from Liceo María Luisa Bombal of Rancagua, Chile detained after taking control of school

Tuesday, August 14, 2012

San Fernando, Chile — Ten students from the Liceo María Luisa Bombal of Rancagua, O’Higgins Region were detained by the local police yesterday. Following their release, the students told the media they were required to remove their clothes at the police station.

The students, seven men and three women, took control of the building of the school early yesterday morning in response to the long delay in re-construction of the liceo, following the earthquake of 2010. At around 08:00 local time (1200 UTC), Leonardo Fuentes, general secretary of the Municipal Educational Corporation of Rancagua, authorized the police to clear out the students.

Student leader Jennifer Olivares told Diario VI Región the police “stripped off [their] clothes” ((es))Spanish language: ?Al llegar a la comisaría nos desnudaron. upon their arrival at the police station, Comisaría de Rancagua, something which Lieutenant Colonel of Carabineros Iván Guajardo did not deny. However, police stated the students will be charged by the public prosecutor with robbing food from the school. “It’s a bit illogical that they stripped off our clothes, with the knowledge that there were minors and without [us] being delinquents, but students who took the school peacefully” ((es))Spanish language: ?Es un poco ilógico que nos desnuden habiendo menores de edad y no siendo delincuentes, sino estudiantes que estábamos en una toma que había sido pacífica, said Olivares. Ignacio Muñoz, former leader of the occupation of the Liceo María Luisa Bombal, told El Rancahuaso “the Mayor [Eduardo Soto] promised to begin the reconstruction works last summer, and it’s August already and they don’t even begin to take the debris outside” ((es))Spanish language: ?El alcalde se comprometió a comenzar los trabajos de reconstrucción durante el verano de este año, y ya estamos en agosto y aún no comienzan ni moviendo los escombros del interior. Education Regional Secretary (Seremi de Educación) Pedro Larraín said the government “does not share” ((es))Spanish language: ?No compartimos las tomas such actions, “because they harm education” ((es))Spanish language: ?porque perjudican a la educación.

The Region of Libertador General Bernardo O’Higgins was one of the first in 2012 to resuscitate the previous year’s student protests, more specifically at the Liceo Industrial de San Fernando, which was taken control by the students in late July, and which as of yesterday was still taken. The students of the Liceo Industrial were particularly affected, after the president of the school’s centro de alumnos Guillermo Horta Farías was stabbed outside the educational establishment on July 31; his fellow schoolmates subsequently organized a march in his honour in Rancagua, on August 8. As of August 11, eight high schools have been taken control of by students, in response to the government’s failure to satisfy the secondary and university students’ requests.

Retrieved from “https://en.wikinews.org/w/index.php?title=Students_from_Liceo_María_Luisa_Bombal_of_Rancagua,_Chile_detained_after_taking_control_of_school&oldid=1596132”
Categories
Education

Making Candida Cooking Recipes Delicious

By Jane Symms

A common concern when people hear a change in diet is needed to combat candida is whether it’s going to be bland or restrictive. So, do anti candida cooking recipes need to taste like they have been made from wet cardboard?

The simple answer is no, but it is clear that a person does need to forfeit some of their ‘comfort’ foods to adhere strictly to a anti candida diet, and this is often why many people slip up allowing the candida yeast infection to gain a new foothold.

The key to a successful anti candida diet is to make the food interesting and varied, so that the sufferer dos not feel that they are left out from eating ‘the good stuff’.

So, let’s start with a little bit about why a diet can be effective against candida.

Candida normally exists benignly in the warm and moist parts of our body, this includes the gut, the vagina, the oral cavity and in the folds of our skin.

It is believed that everyone has some candida on or in them at all times, but an overgrowth cannot happen unless the immune system is functioning poorly, or the gut flora is not in balance.

The immune system can be compromised in a number of ways, including through taking medication, illness and stress, and when it is, there is a greater chance that the immune response will not be able to suppress a candida growth.

Also, the destruction of probiotics (friendly bacteria) in the gut from the prolonged use of antibiotics or other medication, or from eating a poor diet, can effect the levels of candida in the gut and allow it to overgrow and flourish.

[youtube]http://www.youtube.com/watch?v=yX6gbF7elqk[/youtube]

If the candida is allowed to attach itself to the gut lining in sufficient numbers then there is the possibility of the candida breaking through the intestinal wall and releasing spores into the blood stream, allowing the candida to become systemic. This can also cause, what is often referred to as ‘leaky Gut’ syndrome, where bits of partially digested foods and feces can leak out of the intestines.

The symptoms of candida can be varied, they can range from minor irritation, to severe systemic problems that can even be life threatening.

So, where does an anti candida diet fit in?

Candida needs to eat to continue to thrive, and if you starve it of its nourishment, and eat foods that strengthen the immune system and improve the levels of friendly bacteria, then it is clear that this will have a beneficial effect on combating the candida overgrowth.

Therefore, this means your diet needs to eliminate foods that nourish the candida, which include sugars and sugary foods, yeast products including most baked goods, foods that contain fungus or have been fermented, like alcohol.

There tends to be a disagreement about whether fruit should be removed from the diet, and this is because although it is high in fructose (a natural fruit sugar), it is has many beneficial effects that support a healthy immune system. So, the only fruit eaten should be whole fruit, not packaged or pre-prepared fruits, and fruit juices should probably be avoided.

Try to ensure that all food is cooked from fresh, and avoid all processed foods. Processed foods can contain many ‘hidden’ ingredients, including sugars and yeast, and they are normally highly processed and have lost much of their nutritional value in the preparation and packaging process.

Continue reading to discover natural methods to relieve candida and simple ways to prepare tasty candida recipes. Sign up for our free newsletter below.

There are a number of foods that are both acceptable, and will help suppress a candida overgrowth. These include:

Herbs

Garlic and Onions

Fresh vegetables, although those high in sugar like carrots should be restricted

Rice mike and Soya milk

Eggs

All meats, although choose only fresh organic meats whenever possible.

Cottage cheese and yogurt

Brown flour

Brown rice and oats

Cold pressed oils

Fish, but preferably oily fish

Pulses and beans

As you can see there is a pretty large selection of available foods that can be included in your anti candida cooking recipes, so there is no reason that your taste buds should be left out by following this kind of diet. Remember to consult your doctor before making radical changes to your diet.

About the Author: Grab your free copy of Jane Symms’ brand new Candida & Yeast Infection Newsletter – Overflowing with easy to implement methods to help you discover more delicious

candida cooking recipes

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=147147&ca=Wellness%2C+Fitness+and+Diet

Wikinews Shorts: June 14, 2007

A compilation of brief news reports for Thursday, June 14, 2007.

A bomb blast during a soccer match at stadium in Pattani injured 14 police officers who were providing security for the game between two local teams.

Police said the bomb was placed inside a flower planter and detonated via cellphone, and that five officers were seriously injured.

Related

  • “13 schools torched in southern Thailand” — Wikinews, June 14, 2007

Sources

  • Agencies. “Soccer match bomb wounds 14” — Bangkok Post, June 14, 2007
  • “Bomb at soccer injures five” — The Nation (Thailand), June 14, 2007

A 29-year-old man in Riau was confirmed today to have died of the H5N1 strain of avian flu, making him the 80th person in Indonesia to die from the virus.

“Before showing bird flu symptoms, he slaughtered and cooked sick chickens,” Muhammad Nadirin of the Health Ministry’s Bird Flu Center was quoted as saying by Kyodo News.

Indonesia has the highest number of human deaths from H5N1, and the highest number of cases at 100.

Sources

  • Agence France-Presse. “Indonesia confirms 80th bird flu death” — Channel NewsAsia, June 14, 2007
  • Kyodo News. “Indonesia bird flu cases top 100, death toll rises to 80” — Yahoo! News, June 14, 2007

An outbreak of H5N1, the avian flu virus, was reported today by a livestock official in Myanmar. He said about 1,000 chickens were slaughtered after the virus was found on June 3 in 28 chickens on a farm in Bago, about 50 miles (80 kilometres) north of Yangon.

It is the first outbreak of the bird flu in Myanmar, also known as Burma, since April.

Sources

  • Agence France-Presse. “Myanmar reports fresh outbreak of bird flu” — Channel NewsAsia, June 14, 2007
  • Associated Press. “Burma reports new bird flu outbreak” — The Irrawaddy, June 13, 2007

Hamas has said that their forces have taken control of the main compound of Palestinian President Mahmoud Abbas located in Gaza City.

Abbas was not in the compound at the time.

Reports also say that Fatah members fled the compound just before it was attacked.

Sources

  • “Report: Hamas forces take over Abbas’s compound” — Jerusalem Post, June 14, 2007
  • “Hamas takes over presidential compound in Gaza City” — International Herald Tribune, June 14, 2007

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_Shorts:_June_14,_2007&oldid=3022589”

Singapore police arrest death penalty book author

Tuesday, July 20, 2010

Singapore police arrested British author and journalist Alan Shadrake one day after the launch of his book about the country’s use of the death penalty.

Shadrake, 75, was arrested on Sunday morning at a hotel in Singapore and taken into custody by police on charges of criminal defamation, in response to a complaint lodged by the city-state’s Media Development Authority (MDA) over the contents of his new book, Once a Jolly Hangman: Singapore Justice in the Dock. Separately, the Attorney-General served Shadrake with an application for an order of committal for contempt of court, accusing him of “cast[ing] doubt on the impartiality, integrity, and independence” of Singapore’s courts through his book.

Shadrake’s latest book discusses alleged “double standards” in the country’s application of the death penalty, and contains interviews with local human rights activists, lawyers, and former police officers, including retired Changi Prison executioner Darshan Singh; Singh later claimed that he had been “tricked” into the interview. In earlier media comments, Shadrake stated that he expected “trouble” but no concrete action from authorities over his book, lest they draw even more attention to its claims. Retailers took his book off shelves after inquiries by the MDA; a spokesman for the MDA stated that the book was not banned, but suggested that booksellers “seek legal advice to ensure that the books they sell do not contravene Singapore laws”.

Shadrake has written for a variety of newspapers, including The Daily Telegraph of London as well as the New Straits Times of neighbouring Malaysia. His previous book, The Yellow Pimpernels, told the tale of various attempts to escape from East Germany over the Berlin Wall. If convicted, he faces a two-year imprisonment and a fine.

Retrieved from “https://en.wikinews.org/w/index.php?title=Singapore_police_arrest_death_penalty_book_author&oldid=4203947”

Andrew Sayers resigns National Museum of Australia directorship

Wednesday, March 27, 2013

The Director of the National Museum of Australia, Andrew Sayers, has resigned his position effective July 1 in a move that came as a surprise to his colleagues. Sayers cited distance issues as his wife is currently working full time in Melbourne.

Sayers is quoted in a statement as saying, “I leave the museum confident that the reputation of the Museum as the home of our national treasures is one of which we can all be proud. […] Professionally, I have enjoyed making a contribution to the Museum, yet, as many couples have discovered a ‘commuter relationship’ is not ideal.”

Sayers was contracted for five years, and was only into his third year in the post. Prior to his position at the National Museum, he spent ten years in the same role at the National Portrait Gallery of Australia. He also spent thirteen years working as as a curator and assistant director at the National Gallery of Australia. He began his museum career at Art Gallery of New South Wales and Newcastle Region Art Gallery. Following his resignation, Sayers will retire to live in Melbourne with his wife.

Retrieved from “https://en.wikinews.org/w/index.php?title=Andrew_Sayers_resigns_National_Museum_of_Australia_directorship&oldid=4360016”
Categories
Bed Linen

Tactful Ways To Talk To Parents About Failing Students

By Jennifer Dobson

Staying in touch with your students’ parents throughout the academic year is important, but it really takes on an increased significance as the academic period draws to a close and the student is at risk of failing your class. Parents may or may not be aware of a student’s poor academic standing in your class if you do not make the extra effort to contact them because a student may be hesitant to discuss their failing with the parent. As an educator, you must develop and implement an ongoing policy of alerting parents to changes or developments in the students’ progress that may result in the student receiving a poor or even failing grade.

Communicate Early in the Academic Term

Many students begin the academic year in an unmotivated and carefree state despite the efforts of parents, teachers and others to encourage them to work hard during the school year. Students who don’t make good use of their time during the year can end up as failing students. If you recognize a pattern emerging or do not believe that a student is giving it their ‘all’, then communicating with the parents via a parent/teacher conference is ideal, and the student should be the subject of regular follow-up reports on progress and other means of communicating with the parent.

So-Called Average Students

Sometimes it is not as obvious to the student or the parent that there is a problem, but as a teacher, you can sometimes spot an impending disaster from a mile off. The average student makes average scores – and one failing grade added to a low average can put them in dire straits academically. For instance, if you have a student whose average in your class was 83% prior to taking the last test that you administered, and the student did poorly, his grade average can easily slip into the lower 70s. Another test with another poor grade and he may end up with a D for the class or worse. In these cases, it is important to establish communication with the parent in the form of an immediate telephone conversation where you relay your concerns and ask the parent to intervene.

Avoid Progress Report Shock

By letting the parent know the situation with a failing student, you avoid the progress report shock that he or she may feel when they realize that their child has received a failing grade for the academic period. Parents are rightfully angry when they look at a progress report with a blaring “F” but were never notified by the teacher or school that the child’s grades were slipping. (Some parents have gone as far as to threaten legal action against the teacher because they feel this shows negligence on the school’s part). As a teacher, you can avoid any problems by:

[youtube]http://www.youtube.com/watch?v=F1gvtOPlo-0[/youtube]

– Sending progress reports about the student on a regular basis.

– Following up with parents regarding the students grades and progress.

– Sending an email to the parents if they cannot be reached by phone.

– Keeping copies of all communications regarding the student.

– Notifying guidance counselor or principle about the problem.

– Keeping a log of interactions with the parents and student regarding grades.

As a teacher, you are in a wonderful position to make a real difference in your students’ lives, and this sometimes includes involving their parents if you sense that there is an underlying problem that is keeping the student from excelling.

About the Author: Jen Dobson invites you to take a look at mpmschoolsupplies.com, one of her favorite online stores for educators and parents. It has an incredible selection of products including everything from

summer bridge books

and teacher resource books to

crumb catcher bibs

. Visit today and get 10% off of your first order!

Source:

isnare.com

Permanent Link:

isnare.com/?aid=559435&ca=Parenting

P&G to acquire Gillette for US$57 billion

Friday, January 28, 2005

New York —American manufacturing giant Proctor & Gamble (P&G) plans to acquire Gillette Co. for US$57 billion in stock. The purchase plan calls for P&G to swap 0.975 shares of its stock per share of Gillete Co. P&G also announced a stock buyback program in which they would purchase up to US$22 billion of shares over the next 18 months. Including the stock buyback program, the merger is being financed by 60 percent stock and 40 percent cash.

P&G is known for brands such as Ariel and Tide washing powder, Max Factor cosmetics, Pringles potato crisps (chips) and Hugo Boss and Lacoste perfumes.

Gillette, known for brands such as Gillette razors, Oral B dental care, and Duracell batteries, has had growing problems with the growth of private labels and price cuts demanded by large supermarkets.

After the acquisition is completed, Gillette’s CEO James Kilts will be P&G’s vice-chairman. Kilts said that he expects that this acquisition will cause additional mergers to take place.

“I believe the consumer product industry needs to consolidate,” said Kilts, “we believe we can bring these companies together and create a juggernaut.”

P&G and Gillette have a combined market capitalization of about $185 billion US, which will make it the largest in the sector.

The early morning announcement states that 6,000 employees will be eliminated. Most of the layoffs will result from reducing overlapping management positions and other supporting positions within the combined company.

Antitrust regulators in the US and Europe plan to review the acquisition, to determine whether the combined company will have too much power over pricing and shelf space.

P&G plans to provide additional details about the merger Friday morning (East Coast time) in New York.

Retrieved from “https://en.wikinews.org/w/index.php?title=P%26G_to_acquire_Gillette_for_US$57_billion&oldid=4501379”