Largest Growing Homeowner Market Single Women

March 26th, 2018 in Home Builder | No Comments

By Chris McElroy

Over 1.7 million single women were homebuyers in 2004. Recent studies show that one in every 5 new homeowners is a single women making it the fastest growing homeowner group. That’s more than twice as many as single men home buyers.

There are several reasons for this boom of women homeowners. With equal pay for equal work the income for women has greatly increased making it more feasible for single women to buy a home on their own.

Another thing that has made it easier for single women to become homeowners are the many programs that assist them with financing. Yes, there was a time when a single women couldn’t qualify for a store credit card much less hundreds of thousands of dollars to buy a home.

Add to that the fact that child support can now be included as income when applying for mortgages it’s no surprise that there has been an increase in the number of single women becoming homeowners.

There is also more motivation for single women to become homeowners. Just like single men and married couples there is the investment factor.

With the rising cost of real estate property anyone can tell you it’s difficult to lose when becoming a homeowner. Two other reasons for single women buying homes is women are marrying later in life and they are no longer totally dependent on men to support them.

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Most single women will tell you she’s not living to find a man to support her, she’s living her life to it’s fullest and if a man comes into her life they will be equals in the partnership, homes and otherwise.

A third reason for the rise in single women homeowners is women are no longer afraid of home repairs. With the popularity of do-it-yourself books, videos, and television programs women (both single and married) are learning they can do repairs and remodeling projects around the home that they wouldn’t have considered undertaking 20 years ago.

It’s not unusual to see women at such places as Lowes and Home Depot and other home improvement stores have found that nearly half of their customers are women.

With opportunity, commitment, and ability it is no surprise there is such an increase in women homebuyers and homeowners. Builders, bankers, and real estate companies are all taking advantage of this growing market and tailoring a good share of their business to women.

Single women homebuyers are looking for many of the same things couples look for when looking for a home, the neighborhood, price, and proximity to work, school, family, and friends. But a single woman is more inclined to look for security, energy efficiency and storage available. Builders are taking all three of these things into consideration during the construction of homes.

The following are a few things single women (or any homebuyer) should pay close attention to before becoming a homeowner.

* Before you start looking at homes get pre-qualified for a mortgage. Doing this does two things, it gives you an exact price range you can buy and home and can be a great benefit when it comes to making offers.

* Have in reserves of at least three months mortgage payment and upkeep for the home. You never know when your single income may become no income, be prepared.

* Remember as you look forward to becoming a homeowner is keep your emotions out of the equation. That huge weeping willow tree in the backyard youve always wanted will drop a million leaves in the fall are you prepared to clean them up or pay someone else to do it.

* Get inspections and ask questions. A home can be very beautiful nestled in a field of snow but come spring thaw where will the resulting water go it may end up in your basement.

* Dont make major changes in your income until after closing. Things like buying a new car or changing jobs can have a huge effect on financing a home loan.

* Work with a real estate agent you trust and take full advantage of their service. You are the homebuyer, they are getting paid to work for you let them do legwork and keep you on top of what is required of you. Make sure they schedule a final walkthrough just before closing (the day of closing is best).

About the Author: Chris McElroy manages real estate blogs at

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US stock markets reach 12-year lows

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US stock markets reach 12-year lows
March 26th, 2018 in Uncategorized | No Comments

Thursday, March 5, 2009

US stock markets dropped to twelve-year lows on Thursday, amidst falling confidence in the financial sector and worries over whether the US automobile manufacturer General Motors will be able to keep operating.

The Dow Jones Industrial Average dropped by 4.08%, or 280.52 points, at the closing bell, reaching a level of 6595.32, a new 12-year low. The Nasdaq Composite lost 54.15 points, or 4%, to 1299.59, while the Standard & Poor’s 500 plunged by 30.27 points, or 4.25%, closing at 682.60.

Every stock in the Dow Jones, other than Wal-Mart, either lost ground or remained even, and all stocks in the S&P 500 index lost ground.

General Motors’ shares lost 15.5% after the auto firm announced that its auditors had “substantial doubt” over whether it would be able to keep operating.

Shares of financial companies were lower by nine percent, with Bank of America losing 11.7% and Citigroup falling by 9.7%.

“What’s most worrisome is that we haven’t hit the crescendo yet,” said Bill Groeneveld, the head trader for vFinance Investments. “Asset-management divisions are getting calls to just liquidate everything, and we haven’t seen the big players come back in at all.”

“This is one of the worst bear markets in the last 100 years; it started out with the credit crisis and the subprime [loans], but it is like a forest fire that has raced across the clearing and ignited other parts: Autos, auto parts, the insurance companies have been hit very hard. The credit crisis is causing an unraveling of industry after industry because the banks don’t lend,” said David Dreman, the chief investment officer of Dreman Value Management.

European markets were also lower today, with the London’s FTSE index losing 3.2% and the DAX index of Germany falling by five percent.

Court ruling upholds expulsion of New York Senator convicted of assault

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Court ruling upholds expulsion of New York Senator convicted of assault
March 25th, 2018 in Uncategorized | No Comments

Friday, February 19, 2010

A U.S. federal judge upheld the expulsion of former New York State Senator Hiram Monserrate from the New York State Senate in a ruling on Friday. Monserrate had been found guilty in October of misdemeanor assault, in the criminal trial involving an alleged attack on his girlfriend Karla Giraldo.

Monserrate was expelled from the New York State Senate last week by a majority vote of his fellow senators. The result of the vote was 53 to 8 in favor of expulsion.

Federal judge William H. Pauley III denied a request to temporarily block the expulsion. A lawsuit had been filed by Monserrate, which had asked for a reversal of the former Senator’s explusion and in addition sought a block on a March 16 special election for a replacement.

The New York Civil Liberties Union supported Monserrate in the case. The former Senator argued that the act of being expelled from the Senate was not appropriate, as he claimed it violated due process.

the power of a body to determine the fitness of its members is embedded in American democracy.

Judge Pauley ruled, “the question of who should represent the 13th Senatorial District is one for the voters, not for this court.” The judge explained that the voting rights of the citizens of the district formerly represented by Monserrate would not be significantly negatively impacted, due to the proximity of the upcoming special election. Monserrate has stated that he will run in the special election, and he is not prohibited from doing so.

The court’s ruling determined that the expulsion by the New York State Senate was not inappropriate, stating, “the power of a body to determine the fitness of its members is embedded in American democracy.” Judge Pauley noted, “Similar processes to discipline have long existed in deliberative bodies at all levels of government.”

We are gratified that the Court has confirmed our position that the Senate had the authority to expel Mr. Monserrate.

New York State Attorney General Andrew Cuomo issued a statement in support of the judge’s ruling. “We are gratified that the Court has confirmed our position that the Senate had the authority to expel Mr. Monserrate,” said the Attorney General. According to The New York Times, Monserrate was expected to appeal the ruling of the court.

Monserrate’s misdemeanor assault conviction pertained to an incident where he dragged his girlfriend through the lobby while exiting his apartment building. He was acquitted by a judge of charges of felony assault. Felony conviction would have resulted in an immediate expulsion from the New York State Senate.

Monserrate is the first politician to be expelled from the New York State Senate in almost a century. He is a former New York City police officer. Prior to becoming a member of the New York State Senate, he was a city councilman. He became a member of the New York State Senate weeks after the alleged conflict with Giraldo, and was made chair of the committee overseeing consumer affairs. Along with Democrat Pedro Espada Jr., Monserrate started a shift in control of the Senate by aligning with the Republican Party.

Strike ballot to go ahead despite British Telecom’s belated new pay offer

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Strike ballot to go ahead despite British Telecom’s belated new pay offer
March 25th, 2018 in Uncategorized | No Comments

Tuesday, June 8, 2010

The UK’s Communication Workers’ Union have effectively rejected a belated revised pay offer by telecoms giant British Telecom. Their statement, released early this evening, indicates a formal ballot on strike action is inevitable – unless the company revises their two percent offer for 2010.

The deadline set by the Communication Workers’ Union (CWU) passed at noon last Friday, apparently unheeded by BT. The union’s announcement of their intent to ballot members apparently resulted in the offer — one with no new money on the table for this year.

Last week, when their ultimatum was ignored, CWU deputy secretary general (DSG) Andy Kerr expressed deep disappointment, citing the substantial profits made by the company in the last financial year: “[w]e’re obviously very disappointed that BT has not improved its pay offer of 2% despite their healthy profits this year.”

The turnaround from losses of £244 million to a billion-pound-plus profit has, the union claims, galvanised their membership into seriously considering industrial action. Reports of senior directors receiving million-pound bonuses, and former Labour minister Patricia Hewitt landing over over £50,000 extra per-year, are characterised as “directors’ ‘snouts in the trough'”. Hewitt was suspended from her parliamentary party in March over cash-for-access accusations, and works two to three days each month on BT’s remuneration committee.

The UK’s Press Association described the now-rejected offer as being worth 2% this year, and an additional 3% in 2011 with staff bonuses of up to £250. The package supposedly contains pledges on no compulsory redundancies and the return of call centre and non-frontline work from outsource companies in India.

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Wikinews called both the Communication Workers’ Union, and British Telecom, seeking clarification on a number of points. Richard Knowles, a BT press officer in London, forwarded their terse sub-400-word statement, refusing to be drawn on reports that the offer includes the repatriation of call centre and back-office jobs. When challenged on this work being carried out in a jurisdiction with less-stringent data protection, and computer misuse legislation, our reporter was referred back to the company’s statement.

Sian Jones of the CWU’s Press Office, commenting prior to the union’s evening statement, remarked that repatriation of call centre work was an issue that the union had prior, unrelated, discussions with BT about; she gave no indication to Wikinews this was, or was not, part of BT’s revised offer.

The press release, shortly after 1630 BST, expressed clear intent to carry on with the process of balloting members on strike action. In the statement, CWU DGS Andy Kerr states, “[w]e’re very disappointed that BT’s revised offer remains materially unchanged for this year in terms of pay.”

Continuing, he emphasised, “[…] we’ve made clear, 2 per cent is unacceptable for our members as it does not reflect the reward they expect given the contribution they have made to cost savings of £1.75 billion and profits of over £1bn. In addition, inflation is at 5.3 per cent and staff are comparing this offer with the large salary rises and bonuses for senior executives which expose the blatant double standards being adopted by the company when it comes to remuneration.”

The CWU statement also expresses concern over BT’s disclosure of details within the offer; “BT’s decision to leak their offer to the media today has also raised trust issues for us with the company.”

Any sustained action by CWU members in BT’s employ could have a major impact on the country’s communication infrastructure. Millions of UK households and businesses are reliant on BT for internet access – in addition to telephony services.

Following the release of their statement, the CWU’s Sian Jones confirmed that the union had not, as-yet, given BT the formal seven-days notice of balloting members on strike action.

Any ballot would run for a two-week period; following such, the union would, again, be required to give seven days notice to BT; this time of their intent to take workers out on strike. She emphasised, “nobody wants to be on strike”, stressing that the union last took such action in 1987, and would prefer round-table discussions and an improved offer.

The structure of BT’s privatisation, and breakup to permit level playing-field telephony and broadband competition, would see other Internet service providers who rely on the ageing, once GPO-owned, copper POTS infrastructure unable to resolve customer faults. According to the CWU, BT has been querying managerial staff on their skillsets – as a form of preparation for any industrial action. A union spokesperson described this as “laughable”.

When called for comment on the union’s rejection of their revised offer, the BT press office declined to comment at this time.

Woman in Buffalo, New York accidentally sets herself on fire

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Woman in Buffalo, New York accidentally sets herself on fire
March 25th, 2018 in Uncategorized | No Comments

Tuesday, January 22, 2008

Buffalo, New York —A woman in Buffalo, New York in the United States is in critical condition tonight at Sisters Of Charity Hospital after she accidentally set herself on fire.

The unnamed elderly woman was receiving oxygen for medical problems in her home and lit a cigarette, and the oxygen coming from her mask facilitated the ignition of her clothing, setting her on fire.

Despite her “severe” burns as described by firefighters on radio communications, she was still able to dial the emergency line in the U.S., 911.

In the U.S. only 4% of all residential fires were reportedly caused by smoking materials in 2002. These fires, however, were responsible for 19% of residential fire fatalities and 9% of injuries. The fatality rate due to smoking is nearly four times higher than the overall residential fire rate; injuries are more than twice as likely. Forty percent of all smoking fires start in the bedroom or living room/family room; in 35% of these fires, bedding or upholstered furniture are the items first ignited.

CanadaVOTES: NDP incumbent David Christopherson running in Hamilton Centre

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CanadaVOTES: NDP incumbent David Christopherson running in Hamilton Centre
March 25th, 2018 in Uncategorized | No Comments

Friday, September 26, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. New Democratic Party incumbent David Christopherson is standing for re-election in the riding of Hamilton Centre.

From 1985-1990, he served as a Hamilton City Councillor for Ward Four. He was elected to Ontario legislature in 1990, defeating a Liberal cabinet minister. Under Bob Rae, Christopherson served as Minister of Correctional Services and Solicitor-General. He did not seek re-election to legislature in 2003, opting to run for mayor of Hamilton. Considered a frontrunner, he lost to Larry Di Ianni.

He returned to politics just months later, changing his focus to federal politics. Christopherson beat Liberal cabinet minister Stan Keyes, the incumbent, serving as NDP critic for cities, community infrastructure, labour and steel policy. He has served as a member of the House of Commons Standing Committee on Public Accounts, and Deputy Chair of the Parliamentary Steel Caucus.

Wikinews contacted David Christopherson, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

First elected in 2004, David Christopherson is the only MP to have represented Hamilton Centre, which was created in 2003 from parts of three other ridings. Only 38 km², small versus other area ridings, its located on the south side of Hamilton Harbour. Alphabetically, Christopherson’s challengers are Anthony Giles (Libertarian), John Livingstone (Green), Lisa Nussey (Marxist-Leninist), Leon O’Connor (Conservative), Ryan Sparrow (Communist), and Helen M. Wilson (Liberal).

For more information, visit the campaign’s official website, listed below.

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March 25th, 2018 in Clothing | No Comments

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New Ghanaian currency introduced

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New Ghanaian currency introduced
March 25th, 2018 in Uncategorized | No Comments

Tuesday, July 3, 2007

New currency notes are being introduced in Ghana today. The new currency, to be called the Ghanaian cedi, replaces the previous cedi which has been in circulation since 17 February, 1967.

The Ghanaian cedi will be exchanged at 10,000 old cedis to one new Ghanaian cedi. The exchange rate against the U.S. dollar starts at GH¢0.92 to one U.S. dollar. The new ISO code for the currency is GHS, and the new symbol, GH¢.

The change, which was originally scheduled by the Bank of Ghana to start on July 1, 2007, will instead start on Tuesday July 3, as the original date is Ghana’s Republic Day.

Monday, July 2, was declared a public holiday as the actual Republic Day fell on a Sunday. July 3, is thus the first day that the currency will be available to the public as banks open to the general public. This is because ATMs were shut down over the weekend so that the currencies could be checked and replaced in all of them nationwide. The old and new currencies will be used concurrently until the end of December 2007, when the old currency will cease to be legal tender.

This is the third Ghanaian cedi to be introduced in the country since 1965.

Gardening 101

March 24th, 2018 in Permaculture Magazine | No Comments

Gardening 101

by

R Birch

Successful garden designs create landscapes which are practical, beautiful and compatible with a site’s natural conditions. Gardens should be designed to meet the needs of the people who will use and maintain them. More importantly, however, a garden should enhance the quality of life of the people who visit it. The following covers some of the basic issues involved when planning a garden.

Choosing the appropriate tree for your garden requires an understanding of your local environment and your specific needs. Suppose the lower portion of the grounds is a bit wet much of the year, then the spot is ideal for a willow. An open field may be the ideal location for tulip tree or beech tree, both of which requires a lot of space. A sunny patio may benefit from dappled shade provided by a honey locust. Determine your needs and landscape conditions before searching for the right tree.

Look for plants with interesting, year-round qualities. All plants are available in types which bloom or provide some sort of interest in early, mid, or late season. For instance, forsythia blooms early in the spring while the red twig dogwood and the red berries of the holly provide color all winter.

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Consider using plants with unique shapes and colorful bark. These qualities are wonderful during the fall and winter.

Certain shrubs are great for hedges while others are perfect as a lone specimen or planted in the shrub border. For instance, Californian privet is an excellent hedge shrub while the Korean spice viburnum can demand attention on its own. Spireas and rhododendrons are both suited to the mixed border planting. Take into account trees and shrubs which are native to your area, they’re low maintenance and are usually quite hardy.

Gardens may be formal or informal. Formal gardens will often utilize crisp straight lines, symmetrical planting and hardscapes containing bluestone, granite or brick. An informal garden may consist of curving lines, plantings which mimic the natural landscape and paths and patios built from fieldstone.

Garden paths may be constructed out of a wide range materials, including gravel, mulch, grass or any type of paving stone. Grass paths are great around the flower beds. However, in a small gardens they would become worn very quickly. A gravel path is easily installed and very inexpensive. Mulch in suitable in the woodland garden while paving stone is effective in any garden settings. Limit the types of material throughout the garden; too many can be a distraction.

Gardens tie together architecture and the landscape creating harmonious whole. In fact, courtyards or patios can be seen as an outdoor room and the transition between the house and landscape. Vines growing on an arbor or trellis help unify the garden and house. Wisteria, honeysuckle, a climbing rose, clematis and trumpet vine are all are all vigorous growers and are effective on garden structures.

Flower gardens are wonderful bordering a walk or near a patio. In general they should be located where they’ll be seen. Formal or informal, flower gardens should be easily accessible for maintenance purposes. Spring flowering bulbs, planted in the flower garden or beneath a large shade tree, are a welcome sight after a long winter.

Proper planning is essential to a successful garden. Draw out your design ideas before getting out the shovels. Know your local environment as well; it will help when choosing what plants will work best.

Tim Birch is the publisher of

GardenLeap

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Glasgow cannabis enthusiasts celebrate ‘green’ on city green

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Glasgow cannabis enthusiasts celebrate ‘green’ on city green
March 24th, 2018 in Uncategorized | No Comments

Tuesday, April 22, 2014

Coinciding with Easter Sunday, Glasgow Cannabis Social Club’s annual 420 event was held on Glasgow Green, under sunny blue skies, and overlooking the river Clyde. Despite the city’s council attempting to revoke permission for the gathering at the last minute, police were happy for it to go-ahead with approximately a dozen officers attending in high-visibility vests.

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The Daily Record reported five arrests were made for minor offences, likely smoking and possession of small quantities of cannabis. Taking a less-sensational — and more accurate — line of reporting, the Monday edition of Glasgow’s Evening News stated five were referred to the Procurator Fiscal who is responsible for deciding if charges should be brought.

Official figures provided by the police were that 150 attended. With people coming and going, Wikinews reporters estimated upwards of 200 attended, compared to nearly 700 who had signed up for the event on Facebook. Hemp goods were advertised and on sale at the event, and some attendees were seen drinking cannabis-themed energy drinks.

“I was searched and charged under the Misuse of Drugs Act (which is a lot of bollocks)” one attendee noted online, adding “not fair to happen on a brilliant day like it was, other than that I had a great day!” A second said they were openly smoking and ignored by police, who “were only really focusing on people who looked particularly young”.

Cannabis seeds were openly and legally sold at the event and a hydroponics supplier brought a motortrike towing an advertising trailer. Actually growing cannabis is, however, illegal in the UK.

With the event openly advocating the legalisation of cannabis, speakers put their arguments for this to a receptive crowd. Retired police officer James Duffy, of Law Enforcement Against Prohibition, spoke of the failed United States alcohol prohibition policy; stressing such policies needlessly bring people into contact with criminal elements. Highlighting other countries where legalisation has been implemented, he pointed out such led to lower crime, and lower drug use overall.

One speaker, who produced a bottle of cannabis oil he had received through the post, asserted this cured his prostate cancer. Others highlighted the current use of Sativex by the National Health Service, with a cost in-excess of £150 for a single bottle of GW Pharmaceuticals patented spray — as-compared to the oil shown to the crowd, with a manufacturing cost of approximately £10.

Similar ‘420’ pro-cannabis events were held globally.

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