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Oct 15

A Commercial Mortgage Broker Could Point You In The Right Direction

Posted on Friday, October 15, 2021 in Financial Solutions

Submitted by: Sean Horton

When looking to take out a commercial mortgage it can be hard to find the information needed to find the best deal. If you know very little about commercial finance then consider checking out a commercial mortgage broker. By doing so you can get the cheapest deal with the best rate in a lot less time than it would take to find them yourself. A specialist website will always point you in the right direction.

There are many advantages to getting advice from mortgage brokers. Unfortunately around 80% of those wishing to borrow give no thought to a broker but rather take the loan from the high street bank which means they could lose out as they haven t reviewed the market place to see what deals are on offer. One of the biggest advantages that the individual has when using commercial mortgage brokers is the amount of time that is saved. As they specialize in finding the cheapest and best deals on commercial mortgages they automatically know where to begin searching.

[youtube]http://www.youtube.com/watch?v=CzL2Mubw4Ng[/youtube]

Lenders will get back to mortgage brokers in as short a time as possible. This is because they realize that a broker has a short turn around time and this means less waiting for you. They also do not want to lose the business which a broker will bring to the lender on a steady basis which again is to your advantage.

As presentation plays a big part when taking out commercial lending, a broker will have more experience when it comes to putting everything together. This makes it easier for the lender and smoothes over the experience as the broker will see the whole process over from beginning to end.

Of course you will be looking for a cheap rate on the amount you are borrowing and a specialist will know exactly which lender offers the cheapest rates for the particular mortgage you want. They will also know what the technical terms of the loan mean and will look for hidden costs which could boost up the cost of the mortgage. Of course it will cost you to use a broker. When you take into account the fact that they will be able to negotiate and get the cheapest possible deal this will usually outweigh the cost of the broker s fees.

These are just some of the main advantages you can receive by putting your mortgage into the hands of a commercial mortgage broker. Do not be tempted to take out commercial borrowing on your own. There is no shame in admitting that you need help and advice and when it comes to something as important as saving money and it can be a lot, so pride should be put aside. Start off by going to a specialist website and getting as much information on all aspects of commercial finance before making a choice and signing on the bottom line. Never be tempted to go no further than the high street lender because the majority of time you can get a cheaper and better deal through a broker. With any mortgage offered there comes terms and conditions and it is important that you read these thoroughly to make sure you fully understand what you are taking on.

About the Author: Sean Horton is a Director of Enhanced Wealth, a

commercial mortgage broker

and IFA specializing in mortgage advice and the associated areas of income protection, mortgage protection, and mortgage life cover.

Source:

isnare.com

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Oct 14

Kimi Räikkönen will start first for 2007 European Grand Prix, Lewis Hamilton suffers a crash

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Kimi Räikkönen will start first for 2007 European Grand Prix, Lewis Hamilton suffers a crash
Posted on Thursday, October 14, 2021 in Uncategorized

Saturday, July 21, 2007

Ferrari driver Kimi Räikkönen won the pole on the FIA Formula-1 2007 European Grand Prix at the Nürburgring, Nürburg, Germany.

Kimi’s rival Fernando Alonso split the two Ferraris and will start between Kimi and Felipe Massa.

Lewis Hamilton suffered a serious crash in the third qualifying session after his tire broke in Schumacher‘s S-curve and he found himself out of the track running at a tangent to the safety wall. Race officials confirmed that Lewis had been “conscious and speaking”. Still, there are reasonable doubts about his fitness for the race Sunday.

BMW Sauber team drivers 4th and 5th, Mark Webber from Red Bull-Renault 6th, Heikki Kovalainen from Renault 7th and Toyota‘s 8th and 9th.

Before this incident Lewis was fifth, but dropped two the tenth place and will probably lose more with the car change if he’ll participate in the race. It seemes that his incretible series of 9 consecutive pole finishes have come to an end.

The race will feature Marcus Winkelhock, the German driver replacing Christijan Albers in Spyker.

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Oct 14

FAA orders review of Boeing 787 Dreamliners following week of incidents

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FAA orders review of Boeing 787 Dreamliners following week of incidents
Posted on Thursday, October 14, 2021 in Uncategorized

Sunday, January 13, 2013

The United States Federal Aviation Administration (FAA) ordered a review Friday into the design and manufacture of the Boeing 787 Dreamliner, following five incidents in five days involving the aircraft and two Japanese airlines.

On Monday, an electrical fire broke out aboard a Japan Airlines 787 at Boston’s Logan International Airport, when a battery pack which powers the auxiliary power unit, for when the plane is on the ground, caught fire. The fire was discovered by maintenance workers after passengers and crew disembarked following their flight from Tokyo’s Narita Airport.

The next day, a separate Japan Airlines 787, also at Logan International Airport, heading to Tokyo, suffered a fuel leak that spilled around 40 gallons, which was spotted by the crew of the aircraft taxiing behind them. “That Japan Air may know it, but they’ve got fuel or something spilling out the outboard left wing. Quite a bit,” said the pilot of aircraft behind them on local air traffic control frequencies.

Wednesday, in Japan, an All Nippon Airways 787, the launch customer for the aircraft, cancelled a flight after a brake problem was reported.

Earlier Friday, two All Nippon Airways suffered separate incidents in Japan. An oil leak was noticed in the engine after one aircraft had landed in Miyazaki, coming from Tokyo’s Haneda Airport. Another flight, flying between Haneda Airport and Matsuyama said the pilot’s side window in the cockpit suffered a crack.

The FAA in a statement said “In light of a series of recent events, the FAA will conduct a comprehensive review of the Boeing 787 critical systems, including the design, manufacture and assembly.” Further adding, “The purpose of the review is to validate the work conducted during the certification process and further ensure that the aircraft meets the FAA’s high level of safety.”

According to the statement, “The review will also examine how the electrical and mechanical systems interact with each other.” The Boeing 787 relies more on electrical, as opposed to mechanical, systems than past aircraft from the manufacturer including having electronics operate hydraulic pumps and using electric brakes. Large portions of the plane’s structure use lightweight carbon fiber composite instead of more traditional metal airframe.

U.S. Transportation Secretary Ray LaHood said, “The safety of the traveling public is our top priority […] This review will help us look at the root causes and do everything we can to safeguard against similar events in the future.”

“We are confident that the aircraft is safe. But we need to have a complete understanding of what is happening,” said newly sworn-in FAA Administrator Michael P. Huerta. “We are conducting the review to further ensure that the aircraft meets our high safety standards.”

Boeing released a statement saying, “[The company] is confident in the design and performance of the 787. It is a safe and efficient airplane. The airplane has logged 50,000 hours of flight and there are more than 150 flights occurring daily.”

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Oct 14

Choosing The Right Home Insurance In Austin, Tx

Posted on Thursday, October 14, 2021 in Farming

byAlma Abell

Home insurance in Austin, TX covers damage due to fire, lightning, hail, and natural disasters. You also receive coverage for damage due to frozen plumbing pipes and theft of property. A basic homeowner’s policy does not cover intentional property damage by the owner or intentional bodily harm sustained on or within the property. If you decide to operate a business within your home, your homeowner’s policy will not cover equipment or other business related property.

Choosing the Right Homeowner’s Insurance

Your preferred insurance agent will discuss possible homeowner’s insurance policies with you. This will assist you in determining which policies are right for your needs. Basic homeowner’s insurance is the least amount of insurance coverage required by mortgage lenders. However, these policies typically cover unexpected damage and liabilities.

This coverage will pay out when structural damage is sustained during a storm or natural disaster. It does not cover intentional damage by the property owner or their family. In terms of accidents that occur on the property, the policies only pay for medical costs associated with unintentional injuries. Altercations that result in injuries are not covered within the homeowner’s policy.

Local Insurance Provider

Patrick Court is your local State Farm agent. He offers a wealth of insurance products to meet your needs. He will discuss these options with you to ensure that you receive adequate coverage for your property. This insurance agent can perform a risk assessment for you to determine whether additional coverage is needed for your home or automobiles. To receive a free quote from this provider contact him locally or submit a request through the Statefarm.com website.

Summary

Home Insurance in Austin, TX is available in basic and extended coverage options. Basic homeowner’s insurance provides you with coverage for the unexpected. This includes storm damage, vandalism, and theft. Coverage for fire and natural disasters are covered within the basic policies. If your mortgage lender requires that you possess flood insurance, it is not included in your basic homeowner’s insurance policy. You are required to purchase flood insurance through an additional policy. Contact your local insurance provider to receive a free quote for homeowner’s insurance.

Oct 12

British Airways give medals to Flight 38’s crew

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British Airways give medals to Flight 38’s crew
Posted on Tuesday, October 12, 2021 in Uncategorized

Thursday, July 10, 2008

The three members of the flight crew and thirteen members of British Airways Flight 38 have been awarded with the BA Safety Medal. The airline considers the award to be its highest accolade and has only awarded it three times before.

On January 17 the Boeing 777 airliner was on final approach to Heathrow Airport with 136 passengers on board when it suffered a loss of engine power. The plane crash landed immediately beyond the perimeter fence, just before the start of the runway.

British Airways say that due to the crew’s professionalism only minor injuries were sustained. The medals have been awarded for their handling of the accident.

Captain Peter Burkill, who was on board, said “It is a great privilege for us to receive the BA Safety Medal. We are extremely honoured to be added to the list of the very few people who have received this award. The training we undergo at British Airways is second to none. During the events of the 17 January these skills kicked in, as we did everything we could to ensure the safety of our passengers.”

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Oct 12

Apple introduces new iPod with video playback capabilities

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Apple introduces new iPod with video playback capabilities
Posted on Tuesday, October 12, 2021 in Uncategorized

Thursday, October 13, 2005

On Wednesday, Apple introduced an iPod capable of displaying video, as well as a new video section to the iTunes music store. Apple CEO Steve Jobs believes that this may have a large impact on the film industry, in a similar fashion to that of the impact on the music industry when the iPod first was released.

The new iPod comes in a 30GB edition and a 60GB edition for US$299 and US$399, respectively. On the 30GB iPod, 75 hours of video at a resolution of 320×240 can be stored, and on the 60GB iPod, 150 hours can be stored. Despite these features, people claim that the screen may be too small for people to enjoy. However, iPod owners will be able to purchase an optional S-Video cable for playing video from their iPod on a television.

To help complement the new video section, Apple and ABC have agreed to a deal in which episodes of television programs such as Lost and Desperate Housewives will be available the day after airing for $1.99 per episode. Other plans for the video section involve the animation company Pixar, which was founded by current Apple CEO Steve Jobs. There are also plans to distribute content from Disney, Pixar’s distributor and owner of ABC. In addition, music videos will also be available at the on-line music store for $1.99 each.

The video iPod was announced along with a new model of its iMac G5, which features a remote control that allows the iMac to act as a home media center as well as a normal personal computer. To control media center capabilities, the new iMac is sold with a program called Front Row. Some customers have complained however that this iMac is missing functionality out-of-the-box that allows a user to watch TV on it.

The new iMac also has an Apple iSight digital camera built-in as well as a thinner design than its predecessor.

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Oct 10
0

Very Best Age Defying Lotions

Posted on Sunday, October 10, 2021 in Software And Web Development

Submitted by: Janeyj Lee

To reduce the occurrence of wrinkles in our face, we are opting to get the best anti wrinkle creams sold in the drugstores and in the internet. But the usual dilemma is how to get the right products since there are hundreds of products introduced and advertised in newspapers, magazines, and in different websites. This is very confusing on the part of the consuming public because some of them don’t have any idea of which is best anti wrinkle creams for their skin.

The information about the best anti aging lotions can be widely found in the internet. Although when you buy the creams over-the-counter a number of these products has no exact details of what benefits they could get upon purchase. The risk of getting the wrong products is very high if you are not aware of the ingredients and their corresponding function in our skin. For this reason, here are some pointers for you on how to get the best anti wrinkle creams that is fitting to your situation.

[youtube]http://www.youtube.com/watch?v=lPh__AAI5jU[/youtube]

The very first question that will come out in our mind, is there really a way to prevent wrinkles from appearing in our skin? The answer is definitely yes. We are really lucky that the recent day modern advancement in science had discovered the way of preventing wrinkles and that is with the use of proper age reversing creams. Nevertheless, there is still natural effect that causes the occurrence of wrinkles in our skin and that is sun exposure. Every day we are being exposed to the harmful rays of the sun causing our skin to age faster. So it is recommended to use protection like hats and umbrella when we go outside in a fair sunny day. Skin experts also agree that excessive smoking and too much alcohol can bring toxins in our body causing the skin to be dehydrated. If you can avoid these elements then the use of best anti wrinkle creams will work fine in regards to its function.

Maybe you will ask yourself of when is the right time to use the best anti wrinkle creams. The experts have a good answer for this. There is no actual age or specific time when can you use the best anti wrinkle creams, because of the reason that each individual ages at a different rate depending on his lifestyle and habits.

To explain further, the best anti wrinkle creams were mainly formulated to several reasons. First is to promote maximal hydration. The skin should be well-hydrated in order to rejuvenate. Second is to restore the youthful radiance of the skin. There are compounds found in anti-wrinkle creams that increase collagen production which is essential in repairing damage skin. Third is to diminish the wrinkles for longer period of time. Some anti-wrinkle creams may promise you that you can be wrinkle-free but most of them last only for several days and the problem is not really prevented. Fourth is to improve skin texture and firmness so your skin will look younger-looking.

We hope so that with this guide you can find the best anti wrinkle creams to work out on your problem about wrinkles.

About the Author: Koen D is a writer and researcher at an

rezv-antiaging.com/aricles-and-information-on-anti-aging/product-information/best-anti-wrinkle-creams/

blog, rezv-antiaging,com – Drop by to get the latest information and updates on products related to skincare and wrinkle reduction

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Oct 9
0

UN: Military attacks on Darfur violated international law

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UN: Military attacks on Darfur violated international law
Posted on Saturday, October 9, 2021 in Uncategorized

Thursday, March 20, 2008

A United Nations report released Thursday states that recent attacks carried out on four villages in Darfur by the Sudanese military and armed miltias were a violation of international law.

The attacks, which involved aerial bombardment in two of the villages, left a total of 115 people dead and over 30,000 forcibly displaced, according to the report. Damage to civilian property was extensive; homes, schools, and shops were systematically destroyed, vandalized, or set ablaze, food reserves were burned, and livestock was looted. In addition, there were several reports of rape in one village.

The report, issued jointly by the UN High Commissioner for Human Rights and the UN African Union Mission in Darfur, describes attacks on the West Darfur villages of Saraf Jidad, Sirba, Silea and Abu Suruj in January and February. The attacks were part of a Sudanese military campaign to regain control of West Darfur’s northern corridor and drive out rebel insurgents from the Justice and Equality Movement (JEM).

The damage to civilians was deemed to be a “deliberate and integral part” of the military strategy. In failing to “distinguish between civilian objects and military objectives”, the UN accused the Sudanese military of violating international humanitarian law. The activities of the JEM were also denounced, as they were found to be in violation of the 2004 N’Djamena Ceasefire Agreement.

In Saraf Jidad, which was attacked three times in January, 26 civilians were killed, and almost the entire population was displaced. Witnesses described the attackers as Arab men called Janjaweed, who have had the assistance of the Sudanese government. The men were seen riding horses and camels, and some were in military vehicles. After exchanging fire with the JEM, they entered the town, where they started torching homes and shooting at civilians.

An Antonov flew into the area and dropped three bombs … I saw many houses set ablaze by the bombing. People started running randomly in fear and confusion.

One of the victims from Saraf Jidad, who was around 80 years old, recalled the January 24 attack. “The attackers entered my house,” he said. “They were four, in military uniforms. One of them hit my head with the butt of his gun. I fell down. He told me, ‘If you do not all move from here we will burn you alive.’ At that, they set my house on fire. I was inside, but managed to escape though I had my arms injured by the fire.”

In the other three villages, witnesses reported seeing Antonov planes and military helicopters along with the armed militiamen and Sudanese troops. In Silea, the ground offensive was preceded by three aerial bombardments in different areas of the town. Nearly the entire population of 10,600 was displaced, with some having to go across the border to Chad.

One witness of the Silea attack reported, “An Antonov flew into the area and dropped three bombs … I saw many houses set ablaze by the bombing. People started running randomly in fear and confusion. I witnessed SAF and Janjaweed looting houses, shops and NGO offices. They would load the stolen goods in their cars and on their camels and horses and take them away.”

The village of Abu Suruj was also bombed, but no casualties were reported from this bombing. However, over 75 percent of the town was burnt down by ground troops, and 30 people were killed.

In Sirba, the pattern of attack was similar to that of Abu Suruj. Half of the village was burned down and 45 people were killed. One victim described an encounter with an armed man: “I was holding tight my four-year-old brother; I was scared that the man was going to shoot him. Instead he left. After a few seconds the roof of the house was burning. He saw we were inside and he set the hut on fire to burn us alive. We escaped from the window and ran in different directions.”

Witnesses reported acts of sexual violence being committed by the attackers in Sirba, and UN investigators believe at least 10 women were victims of rape. An eyewitness reported four girls being taken into a hut and raped at gunpoint by Sudanese soldiers.

There were also reports of air and ground attacks in Jebel Moon, where many victims had fled following the attacks, but the UN was denied access to the area.

On March 3, the UN met with a West Darfur security official to address their concerns. The official argued that the JEM had taken control of the villages and a deployment of troops was necessary to regain these areas. He also denied that the Sudanese military was involved in the Saraf Jidad attacks, stating they were done by Arab tribes who had nothing to do with the military campaign.

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Oct 9
0

US Senate finance committee to vote on health care bill

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US Senate finance committee to vote on health care bill
Posted on Saturday, October 9, 2021 in Uncategorized

Friday, October 9, 2009

US Senate Majority Leader Harry Reid has said that the Senate Finance Committee will vote on a sweeping health care reform bill next Tuesday. US President Barack Obama has made clear that extending health insurance coverage to as many Americans as possible is his top domestic priority.

Republican lawmakers, however, are still overwhelmingly opposed to the bill, saying it is too expensive and would expand the role of government in people’s health care.

Obama and his fellow Democrats in the Senate received some good news late Wednesday from the non-partisan Congressional Budget Office, which put the total cost of the Senate Finance Committee’s health care bill at $829 billion over the next decade, below Obama’s stated goal of $900 billion. The budget watchdog organization also said the health care bill would help reduce the federal budget deficit over the next ten years.

Harry Reid said he believed health care reform was moving forward. “And so today we stand closer than ever to fulfilling that fundamental promise, one for which we have fought for more than 60 years,” he said.

Senate Minority Leader Mitch McConnell, however said that the cost estimate was “irrelevant”, because the final bill that will actually emerge from both houses of Congress is likely to look very different and cost a lot more. “What matters is that the final bill will cost about a trillion dollars, vastly expand the role of government in people’s health care decisions, increase premiums and limit choice,” McConnell said.

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McConnell said Republicans favor a step by step approach to health care reform, focusing on prevention and wellness programs and dealing with the high costs of malpractice insurance doctors have to pay due to fears of excessive lawsuits.

Under the Finance Committee’s bill, US residents would be required to get health insurance or face a penalty, and insurance companies would face tough new regulations. For example, insurance companies could no longer reject coverage for people due to pre-existing conditions.

The Senate Finance Committee is likely to pass the bill, which will then have to be merged with one passed by the Senate health committee before it goes to the full Senate floor for debate.

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Oct 9
0

Mystery surrounds ricin discovery in Las Vegas hotel

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Mystery surrounds ricin discovery in Las Vegas hotel
Posted on Saturday, October 9, 2021 in Uncategorized

Saturday, March 1, 2008

On February 14, a man staying at the Valley View Extended Stay America hotel in Las Vegas, Nevada was hospitalized after experiencing respiratory distress. The man lapsed into unconsciousness and has been at the hospital ever since.

Since the bills at the hotel were going unpaid, Extended Stay America began to evict the man from the room. Another man, described as either a friend or relative, went to the hotel on Thursday to collect the personal belongings of the hospitalized man.

According to Las Vegas Metropolitan Police Department Deputy Chief Kathy Suey, he found several vials of a white substance. He brought them to the attention of the hotel manager, who called police.

Initial tests, which further tests confirmed on Friday, the substance was the deadly toxin ricin, an extremely dangerous biological agent. Ricin is extracted from castor beans through the waste produced in the manufacture of castor oil. It is currently being used in cancer treatment research. There has been research for its use as a chemical/biological warfare agent. An amount smaller than the point of a pin will kill a human being. It is estimated to be several thousand times more toxic than cyanide and there is no known antidote.

Police cordoned off the area around Valley View between Flamingo Road and Harmon Avenue. Three employees and the man who made the discovery were taken to the hospital as a precaution. So were three police officers. They are all reported to show no signs of poisoning.

Nevada National Guard and other emergency services responded to secure the area. Residents at the Extended Stay America were allowed back into the building late Thursday. The hotel reopened fully on Friday after the room and other areas of the hotel were decontaminated.

The man whose room it was “is in critical condition and he is unable to speak with us right now. We have no indication why the ricin was in that room,” said Deputy Chief Suey.

“Usually, if [ricin victims] survive the first three to five days, they usually do fine,” Dr. Lawrence Sands told CNN. However, survivors often have long-term organ damage.

At least three pets were found in the room. “Two of those pets are fine. One of the pets is deceased or was put down,” Suey said. “The dog that was in there was without food and water for a week,” she added that there was no reason to supect it was exposed to ricin. Castor beans were also found in the room.

Officials have also recovered from the room a firearm, as well as an “anarchist” text containing an article on ricin.

Federal Bureau of Investigation spokesperson Richard Kolko said the incident is being treated as a criminal matter and did not appear to be related to terrorism “based on the information gathered so far.”

Captain Joe Lombardo of the Las Vegas Metropolitan Police Department said that ricin is not illegal to own unless it is intended for the poisoning of a person, adding that “We did have enough ricin to be of concern.”

In 2003, a man committed suicide in Las Vegas using ricin. There have also been a few incidents where ricin powder was found in the mail. Also in 2003, the United Kingdom had the Wood Green ricin plot which in the end found no ricin.

In 1978, Bulgarian defector Georgi Markov was famously assassinated in London with ricin injected with the tip of an umbrella.

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