IRS goes after eBay sellers

">
IRS goes after eBay sellers

Monday, March 28, 2005

San Jose, California — As the April 15 deadline for U.S. private citizens to file their 2004 income tax returns draws near, the government is reminding sellers on eBay that they may have to report any proceeds from sales on the auction site as taxable income.

This could be a surprise to some of the 135 million registered eBay users who consider trading on San Jose-based auction site to be a non-taxable hobby. Complicating matters, eBay says it doesn’t report individual sales figures to the government – users are responsible to report any profits on their own tax returns.

The amount of money traveling through eBay is big business. $33.8 billion worth of merchandise was sold on the site in 2004, up from $5.2 billion in 2000.

Although eBay pays taxes on its share of the sales (5.25 percent cut from each transaction as of Feb. 18), the IRS fears some small businesses are using the site to dodge tax responsibility. Adding to the confusion, some sellers may legally be a taxable business without realizing it.

The U.S. Internal Revenue Service has a nine-point checklist it uses to determine whether or not a money-making activity is legally a business, which means money made is taxable, or a simple hobby – where it is not taxable. The IRS can consider a person to be a legal “business” even though they never incorporated or claimed to be one.

According to Woodbury, New York-based accountant Bart Fooden in an Associated Press interview, the IRS looks for such things as evidence that the auction seller depends on the eBay sales income to pay for activities other than maintaining the hobby, acts in a businesslike manner when selling on auctions or puts enough time and effort into the eBay activities that there is an obvious intent to make a profit.

But Fooden said in the same interview casual users probably have nothing to worry about. Those cleaning out closets or the garage and selling off junk for less than the original price paid are not turning a profit, so that money is not considered income and is not taxable.

Retrieved from “https://en.wikinews.org/w/index.php?title=IRS_goes_after_eBay_sellers&oldid=2606836”

Ontario Votes 2007: Interview with Progessive Conservative candidate Tyler Currie, Trinity-Spadina

">
Ontario Votes 2007: Interview with Progessive Conservative candidate Tyler Currie, Trinity-Spadina

Monday, October 1, 2007

Tyler Currie is running as an Progressive Conservative candidate in the Ontario provincial election, in the riding of Trinity-Spadina. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Retrieved from “https://en.wikinews.org/w/index.php?title=Ontario_Votes_2007:_Interview_with_Progessive_Conservative_candidate_Tyler_Currie,_Trinity-Spadina&oldid=527109”

UK police find body of missing woman and search for another; suspect in custody

">
UK police find body of missing woman and search for another; suspect in custody

Thursday, March 24, 2011

Police investigating the disappearance of 22-year old Sian O’Callaghan in Swindon, England, say they have discovered her body and are searching for another. The news comes comes hours after the arrest of a 47-year-old individual for kidnap and multiple counts of murder. Police also seized a green taxi seen at the time of O’Callaghan’s disappearance.

The detective leading the murder inquiry confirmed the individual taken into custody had told police where two bodies were located. Police said they had found one body and were searching for the second. Officials say O’Callaghan’s family were “deeply distressed” by the developments. Police today began searching a house in Swindon, and the property was cordoned off.

“The location of two bodies has been identified to the senior investigating officer, only one body has currently been found and this is believed to be Sian O’Callaghan,” Wiltshire Police said in a statement. “The second body has yet to be recovered.”

O’Callaghan, an office worker, was last seen leaving a nightclub in Swindon at the weekend. Mobile phone records show she traveled in a car to a forest in the early hours of Sunday morning. Police have appealed for the public to search for her mobile phone, and have released CCTV images of her leaving the nightclub.

In a statement, her family described her as a “beautiful girl,” and said they had been “so touched by the support shown by the community that we wanted to express our thanks.”

Retrieved from “https://en.wikinews.org/w/index.php?title=UK_police_find_body_of_missing_woman_and_search_for_another;_suspect_in_custody&oldid=3130230”

The Metallic History Of Scrap Iron Philadelphia

byAlma Abell

Scrap iron is often defined as recycled materials that are left over from manufactured products and consumed goods. This type of metal can be sold to scrap iron purchasers who then make the materials into other goods for sale. More often than not, scrappers (as they are so called) will remove scrap metal for those who wish to be rid of it. Then, the metal is taken to a wrecking yard where it is processed to be melted.

There are several types of scrap iron Philadelphia including steel, aluminum, copper, brass, stainless steel, and nickel alloys. Each type is useful in its own right. Steel is an alloy of iron, which is where the term “scrap iron” Philadelphia, and other places, comes in. Steel is the most popular and most used metal in the industry. The second most popular is aluminum. Copper is one of the best electrical conductor materials of all the metals. This mineral is often used in wiring. Brass is composed of an alloy made of copper and zinc. Stainless steel is an alloy that is resistant to rust and tarnishing, while nickel alloys are primarily made of nickel to increase resistance to corrosion. Each of these metals is versatile in its own right and manner.

One such business that deals with scrap iron Philadelphia is S.D. Richman Sons, which is one of the premiere scrap metal buys in the Philadelphia area. This company was first established in the 1901 Germantown section of this city. To transport iron and metal, a horse and buggy were used. In 1936, the company expanded to include a fleet of trucks and a processing plant. Unlike most scrap iron Philadelphia companies, this one is sure to mention its close ties to the environment.

S. D. Richman Sons is dedicated to complying with all levels of environmental regulations, providing innovative recycling, reducing waste and preventing pollution, and transporting materials in a responsible manner. Because of these policies, the company takes on any liability claims that are associated with the shipment of scrap metal from this location. To reach a quality metal buyer, check out this business first, since they are the leading authority on all things metal.

Wikinews investigates the reconstruction of Pichilemu, Chile after February earthquake

">
Wikinews investigates the reconstruction of Pichilemu, Chile after February earthquake
January 4th, 2022 in Uncategorized | No Comments

Sunday, October 24, 2010

Left: A recently constructed kiosk with the new design. Image: Diego Grez.Right: The original design of the kiosk, as shown in the plans by the Municipality. Image: Ilustre Municipalidad de Pichilemu.

Eight months after a catastrophic earthquake, Wikinews has investigated the devastation caused in February and the reconstruction of Pichilemu, Chile. The February 27 earthquake and a subsequent tsunami completely destroyed Pichilemu’s most coastal street and its oldest villages. Wikinews has also had access to the original design plans of the new kiosks in Pichilemu, and conducted an interview with merchant Alejandro Mella, known locally as the King of the Cochayuyo (“El Rey del Cochayuyo”), who lost his kiosk after the earthquake.

Pichilemu is a coastal city in the O’Higgins Region of Chile, known as one of the “best surfing spots” in South America. Its current Mayor is Roberto Córdova Carreño, who was elected internally by the Councillors of the city in September 2009, after several political controversies that ended with three Mayors being displaced.

The territory of Pichilemu has a surface of 7,491 square kilometers, and comprises at least 24 villages, such as Ciruelos, Rodeíllo and Espinillo (the latter two also severely damaged by the March 11 earthquake). Pichilemu is the most popular beach in O’Higgins Region, and many tourists visit it every summer.

The earthquake took place in what is considered the “last weekend in the summer;” on Saturday, February 27, 2010 at 03:34 local time (06:34 UTC), while almost all Chileans were sleeping. Hours earlier, on Friday, thousands of people had arrived at Pichilemu. “The house moved from side to side. I really thought it was going to fall. It was 3 or 4 minutes long,” Diego Grez, a Chilean student who was in Pichilemu at the time of the quake, told Wikinews in an interview.

A concert was being held at the One Discotheque when the earthquake occurred. It is said that the audience panicked and fled outside the discothèque, and then to the La Cruz Hill. Most tourists fled outside the city right after the earthquake occurred, but many others opted to stay in the La Cruz Hill or the village of Pueblo de Viudas, which are the higher points in the city.

“Pichilemu is the symbolic beach resort in the Sixth Region [of O’Higgins], so it was not strange to even think that [during] the last weekend before the entrance to school, many people would be going to take advantage of it to take a vacation; and that’s what happened,” reported El Rancagüino, the most important newspaper in O’Higgins Region, on February 28.

The only radio broadcasting in the area was Entre Olas, directed by Jorge Nasser, which also helped Pichileminians know what happened in other affected places by the earthquake, as they re-broadcasted the audio of Televisión Nacional de Chile (National Television of Chile). On the day of the earthquake, the station reported that a local police truck had crashed near La Cruz Hill. There was no tsunami warning, and Mayor Córdova was away on holiday when the earthquake struck.

“Those who live in Pichilemu, and those who were visiting it, were surprised by the giant waves that annihilated its beach and reached the city’s square, destroying everything on their way,” reported El Morrocotudo on February 28. “The most tough thing occurred when the firefighters’ alarms sounded twice, and the people in the hill began to yell ‘tsunami!’,” journalist Tania Arce told the newspaper.

The earthquake destroyed one of Pichilemu’s oldest and iconic buildings, the post office, which was demolished in July. The urban centre of Pichilemu was not severely damaged by the earthquake, but its subsequent tsunami caused most of the destruction. The Agustín Ross architecture in the city (three of his buildings are National Monuments of Chile) was damaged. Agustín Ross Balcony was completely destroyed.

According to SHOA, the Hydrographic and Oceanographic Service of the Chilean Navy, the tsunami triggered by the earthquake first reached Pichilemu, at 03:48 (06:48 UTC). A second wave came at 04:15 (07:15 UTC).

Policeman José Arévalo was the only person to warn residents that a tsunami was approaching. Arévalo was patrolling the Las Terrazas beach, when the earthquake occurred. He told El Rancahuaso there were around 25 people in the beach. “Right after the quake, he noticed the sea had shrank around 500 meters inside. He took his megaphone, and shouted people should leave the place instantly.” “The sea is coming out! The sea is coming out!,” he shouted. “The warning was also preceived by nightclubs and pubs surrounding the costanera. Then, the tragedy occurred. The sea destroyed everything on its way,” El Rancahuaso reported. “It all was really quick. Everyone is safe, luckily [..] It’s something unforgettable to me, I’m proud I saved all of those lives,” Arévalo added.

The tsunami destroyed restaurants, hotels, kiosks, the Fishermen Store (Caleta de Pescadores), surf schools, the Agustín Ross Balcony (located right in front of the Las Terrazas beach) and houses near the costanera (the nearest street to the beach), and flooded the building of the Government of Cardenal Caro Province, the boarding school of Pichilemu, the city square (Arturo Prat Square), and the Supermarket El 9.

A local worker, Ricardo Vivanco, also known as “El Gordo” (“The Fat one”), almost was killed by a tsunami, ignoring warnings by the Police and the Fire Bureau. Vivanco was drunk, and went down to the Las Terrazas beach with his friends. The wave washed him away, and was hit on the Agustín Ross Balcony’s wall. His friends recorded a video and uploaded it to YouTube.

It was reported by Radio Entre Olas on February 27, that the tsunami had provoked massive damage in Punta de Lobos, Pichilemu’s most popular beach. The owner of Entre Mar, an hotel and restaurant in that beach, said the tsunami had destroyed all of his buildings there.

The village of Espinillo was badly damaged, and approximately 600 people were made homeless by the earthquake, Teletrece reported on March 16. “We are keeping the government informed, we’re also organized with some churches [sic, religious organizations] that are working voluntarily in Espinillo, Los Boldos, Alto Ramírez […] We thank a lot their work, that is not to give them mediaguas [temporary tenements], but something definitive, but I also think they need resources to do it,” Mayor Córdova said.

On March 11, Chile was hit by a second earthquake, that reached a magnitude of 6.9, and that occurred 40 kilometers southwest of Pichilemu. It occurred at 11:39 local time (14:39 UTC), while the new President Sebastián Piñera was sworn in.

A tsunami warning was issued by SHOA, between Coquimbo and Los Lagos regions. People in Pichilemu fled again to La Cruz Hill. Military authorities assured people in the hill they were going to be safe there, and that it was unlikely a tsunami was going to hit again Chile’s coast. The tsunami warning was lifted at 15:50 local time (18:50 UTC).

People stayed in La Cruz Hill for a longer time than after the previous earthquake, and several activities were made there, such as a concert by Chilean-Brazilian singer Joe Vasconcellos. People were also given food, wood (mostly remains from the destroyed kiosks), and electricity.

“We are here because we fear about our safety. We don’t want it [a possible tsunami] to catch us. We have to settle down here and to accommodate,” Edith Larraín told to Wikinews. Mayor Córdova estimated that at least 2,000 people were staying at La Cruz Hill. Militaries and provincial authorities asked them to leave the hill on March 15, but most refused the deal. People eventually left the hill, due to complaints by the Mayor.

On March 20, in collaboration with the Governor of Cardenal Caro Julio Ibarra, Colonel Raúl Melo, and the Mayor of Litueche Bernardo Cornejo, Mayor of Pichilemu Roberto Córdova announced a “tourism revival campaign” of Pichilemu, promoting the surf practice, whose goal was “to make the city go back to the normality.”

On April 4, the first monument was erected in memory of the earthquake and tsunami victims. The monument was created by local artisans, with rocks from several places of the Cardenal Caro Province. “We wanted to create this monument so we don’t forget it [the earthquake] […] This is the beginning of the reconstruction,” said Julio Ibarra. The monument was placed in front of the beach, near the building of the Cardenal Caro Government. Mayor Roberto Córdova said that “it definitely will help us reconstruct [ourselves] espiritually, [and that] is essential.”

On October 20, with the help of the Government, SERCOTEC (Technical Cooperation Service, Servicio de Cooperación Técnica) and FOSIS (Solidarity and Social Investment, Fondo de Solidaridad e Inversión Social), the Fishermen Store (Caleta de Pescadores) began to be reconstructed. Caleta de Pescadores is administered by the Independent Labour Union of Fishermen of Pichilemu (Sindicato de Trabajo Independientes de Pescadores Artesanales), which has twenty-three members.

“The Government of President Sebastián Piñera has been worried about the fishing area, carrying out several actions in help of them, after all that they’ve suffered after the earthquake and tsunami that hit them […] This area is working normally again,” Governor Ibarra said.

On October 6, the Municipality of Pichilemu published the design of kiosks that were going to be constructed, as replacement of those destroyed by the earthquake. As of October 23, four kiosks have been constructed in Pichilemu, specifically on Las Terrazas beach, and two more are being constructed. According to Mauricio Grez, a construction engineer, the construction of one kiosk would cost up to US$ 2,500 (CLP 1,000,000).

Alejandro Mella, locally known as “el Rey del Cochayuyo” (“the King of the Cochayuyo”), is a merchant of Pichilemu, who promotes the cochayuyo (durvillaea antarctica), and lost his kiosk after the February earthquake and tsunami. “I was given my [former] kiosk by the Mayor Orlando Cornejo, back in 1993. It was right in front of us [in front of Las Terrazas beach, near “the grotto of the Virgin”], and was made smithereens by the tsunami,” he told Wikinews.

“I have always worked on selling cochayuyo here, and the terrain where my kiosk was located before has been disputed by private people, and the municipality approved that. I talked with the Mayor and he said ‘I don’t know what’s going on the beach’; that left me perplexed. […] I like the new design of the kiosks, they are larger, and we can do more things with it, but they are way too expensive,” he added. Mr. Mella also gave Wikinews a sample of his work as “the King of the Cochayuyo”, an essay called “El cochayuyo es una mina repleta de nutrientes y sales minerales” (“Cochayuyo is a mine full of nutrients and mineral salts”, pictured below), which he sells for 200 Chilean pesos (0.41 US$), and that contains “tips and information about the plant, and some recipes.”

  • 1
  • 2
  • 3
  • 4

A kiosk in Pichilemu, in 2007. The design is considerably different to the recently published one. Image: Diego Grez.

Isometrical view of the new Pichilemu kiosks. Image: Ilustre Municipalidad de Pichilemu.

Construction of kiosks in Las Terrazas Beach, on October 22. Image: Diego Grez.

Front page of Alejandro Mella’s essay “El cochayuyo es una mina repleta de nutrientes y sales minerales” (“Cochayuyo is a mine full of nutrients and mineral salts”), which he published under the nickname of “the king of the Cochayuyo of Pichilemu”. Image: Alejandro Mella/Diego Grez.
Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_investigates_the_reconstruction_of_Pichilemu,_Chile_after_February_earthquake&oldid=4635182”

Race to save Chilean miners trapped underground from spiralling into depression continues

">
Race to save Chilean miners trapped underground from spiralling into depression continues
January 4th, 2022 in Uncategorized | No Comments

Thursday, September 2, 2010

It has emerged that the 33 Chilean miners trapped underground after the mine they were working in collapsed could be brought to the surface in a shorter time than was initially feared. While officials publicly announced that the men would not be brought to the surface until Christmas, sources inside technical meetings have revealed that they could in fact be on the surface by early November. The news comes as families were allowed to speak by radio-telephone to their trapped loved ones on Sunday. Over the weekend, video images filmed by the miners emerged showing the miners playing dominoes at a table and singing the Chilean national anthem. The miners also used the camera to send video messages to their families on the surface, saying that they regularly broke into tears, but were feeling better having received food and water.

The grainy nightvision images, filmed on a high definition camcorder that was sent down a small shaft to the mine, show the men in good spirits, chanting “long live Chile, and long live the miners.” They are unshaven and stripped to the waist because of the heat underground, and are seen wearing white clinical trousers that have been designed to keep them dry. Giving a guided tour of the area they are occupying, Mario Sepúlveda, one of the miners, explains they have a “little cup to brush our teeth”, and a place where they pray each day. “We have everything organized,” he tells the camera. Gesturing to the table in the center of the room, he says that “we meet here every day. We plan, we have assemblies here every day so that all the decisions we make are based on the thoughts of all 33.” Another unidentified miner asks to rescuers, “get us out of here soon, please.” A thermometer is shown in the video, reading 29.5C (85F).

As the film continues, it becomes evident that the miners have stuck a poster of a topless woman on the wall. The miners appear shy, and one man puts his hand to his face, presumably dazzled by the light mounted on the cameraman’s helmet. One miner sent a message to his family. “Be calm”, he says. “We’re going to get out of here. And we thank you from the bottom of our hearts for your efforts.” Another said that the miners are “sure that there are people here in Chile that are big people, that are powerful people, that are intelligent people, and they have the technology and they will all work together to get us out of here.” Speaking to the camera, one says: “we have had the great fortune that trapped in this mine there are good, professional people. We have electricians, we have mechanics, we have machine operators and we will let you know that while you are working to rescue us on the surface, we are down here ready to help you too.” It has been reported that Mario Gómez, 63, has become the group’s “spiritual leader”, having worked in the mines for over fifty years. He has requested that materials to build a shrine be sent down to the cavern.

Upon seeing the video in a private screening, family members, who are living in a small village of tents at the entrance to the San José copper-gold mine—which they have named Camp Hope—were elated. “He’s skinny, bearded and it was painful to see him with his head hanging down, but I am so happy to see him alive”, said Ruth Contreras, the mother of Carlos Bravo, who is trapped in the mine. The video, of which only a small portion has been released to the public, shows the miners, many of them wearing helmets, cracking jokes and thanking the rescuers for their continued efforts. The supplies are being sent to the men through a small shaft only twelve centimeters wide, and a laboratory has been set up with the purpose of designing collapsible cots and miniature sandwiches, which can be sent down such a narrow space.

CNN reported on Friday that “officials are splitting the men into two shifts so one group sleeps while the other works or has leisure time .. On average, each man has lost 22 pounds (10 kilograms) since they became trapped three weeks ago, and dehydration remains a threat. But a survey of the men indicates that at least nine miners are still too overweight to fit through the proposed rescue shaft. Initially, the miners survived by draining water from a water-cooled piece of equipment. To stay hydrated in the 90-degree mine, each miner must drink eight or nine pints of water per day.”

But while there are jubilant celebrations on the surface that the miners are alive, officials are now nervous that the miners could become depressed, trapped in a dark room the size of a small apartment. Chilean health minister Jaime Mañalich said that, on the video, he saw the telltale signs of depression. “They are more isolated, they don’t want to be on the screen, they are not eating well”, he said. “I would say depression is the correct word.” He said that doctors who had watched the video had observed the men suffering from “severe dermatological problems.” Dr. Rodrigo Figueroa, head of the trauma, stress and disaster unit at the Catholic University in Santiago, Chile, explained that “following the euphoria of being discovered, the normal psychological reaction would be for the men to collapse in a combination of fatigue and stress … People who are trained for emergencies – like these miners – tend to minimize their own needs or to ignore them. When it is time to ask for help, they don’t.” NASA has advised emergency workers that entertaining the miners would be a good idea. They are to be sent a television system complete with taped football matches. Another dilemma facing Mañalich is whether the miners should be permitted to smoke underground. While nicotine gum has been delivered to the miners, sending down cigarettes is a plan that has not been ruled out.

With the news that drilling of the main rescue tunnel was expected to begin on Monday, officials have informed the media that they hope to have the miners out of the mine by Christmas—but sources with access to technical meetings have suggested that the miners could actually be rescued by the first week of November. A news report described the rescue plan—”the main focus is a machine that bores straight down to 688m and creates a chimney-type duct that could be used to haul the miners out one by one in a rescue basket. A second drilling operation will attempt to intercept a mining tunnel at a depth of roughly 350m. The miners would then have to make their way through several miles of dark, muddy tunnels and meet the rescue drill at roughly the halfway point of their current depth of 688m.” Iván Viveros Aranas, a Chilean policeman working at Camp Hope, told reporters that Chile “has shown a unity regardless of religion or social class. You see people arriving here just to volunteer, they have no relation at all to these families.”

But over the weekend, The New York Times reported that the “miners who have astonished the world with their discipline a half-mile underground will have to aid their own escape — clearing 3,000 to 4,000 tons of rock that will fall as the rescue hole is drilled, the engineer in charge of drilling said Sunday … The work will require about a half-dozen men working in shifts 24 hours a day.” Andrés Sougarret, a senior engineer involved in operating the drill said that “the miners are going to have to take out all that material as it falls.”

The families of those trapped were allowed to speak to them by radio-telephone on Sunday—a possibility that brought reassurance both the miners and those on the surface. The Intendant of the Atacama Region, Ximena Matas, said that there had been “moments of great emotion.” She continued to say that the families “listened with great interest and they both felt and realized that the men are well. This has been a very important moment, which no doubt strengthens their [the miners’] morale.” The phone line is thought to be quite temperamental, but it is hoped that soon, those in the mine and those in Camp Hope will be able to talk every day. “To hear his voice was a balm to my heart … He is aware that the rescue is not going to happen today, that it will take some time. He asked us to stay calm as everything is going to be OK … He sounded relaxed and since it was so short I didn’t manage to ask anything. Twenty seconds was nothing”, said said Jessica Cortés, who spoke to her husband Víctor Zamora, who was not even a miner, but a vehicle mechanic. “He went in that day because a vehicle had broken down inside the mine … At first they told us he had been crushed [to death].”

Esteban Rojas sent up a letter from inside the mine, proposing to his long-time partner Jessica Yáñez, 43. While they have officially been married for 25 years, their wedding was a civil service—but Rojas has now promised to have a church ceremony which is customary in Chile. “Please keep praying that we get out of this alive. And when I do get out, we will buy a dress and get married,” the letter read. Yáñez told a newspaper that she thought he was never going to ask her. “We have talked about it before, but he never asked me … He knows that however long it takes, I’ll wait for him, because with him I’ve been through good and bad.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Race_to_save_Chilean_miners_trapped_underground_from_spiralling_into_depression_continues&oldid=4377226”

Refinancing A First And Second Mortgage With Bad Credit 5 Pieces Of Advice

January 2nd, 2022 in Loan Agreements | No Comments

By Robbie T. James

Carrying a mortgage is both a privilege and a burden. It is a privilege because it means that you are the proud owner of a home – something that not everybody can say these day. And, it is a burden because with that pride of ownership comes financial responsibilities. Namely: you need to make your mortgage payments each month.

One of the best ways to save money on your monthly household expenses is to reduce your monthly mortgage payments as much as possible. If you are the holder of both first and second mortgages, the smart path to a reduction in your expenses is through mortgage refinancing.

You may have considered refinancing before but have held back given your bad credit score. It is true that having a poor credit score could have a very negative effect on your chances for a low-interest refinance loan. However, if you know how to go about it, you can actually find excellent mortgage refinancing deals despite your score.

For someone who is looking for a good deal on refinancing their first and second mortgage with bad credit, here are 5 good pieces of advice:

1. Loan consolidation into a single first mortgage is probably your best move:

[youtube]http://www.youtube.com/watch?v=xS2D3Ffv5ko[/youtube]

When refinancing two mortgages at once, your best move is most likely to consolidate everything into a single loan. Why? Because, you will almost certainly pay a lower interest rate on a first mortgage than on a second.

2. Calculate your current total monthly interest payment across both mortgages:

To be able to compare refinancing offers, start by figuring out how much money in monthly interest payments you are paying now. Simply add the interest portion only (note: be sure to exclude the portion that goes toward your principal) of your first and second mortgages together.

3. Look for interest rates that beat your current average rate:

Now, figure out what interest rate you will need in order to beat the new rate. Note that it may be the case that you could end up paying a slightly higher rate on your first mortgage than you have now, but you could still come out ahead with your new loan in terms of total interest paid.

4. The best portal to a new loan is through a bad credit mortgage lender:

Keep in mind that your best route to a refinancing loan is always going to be via a bad credit mortgage lender. Given your bad credit score, you should definitely limit yourself to only working with such lenders. They will know how to evaluate your creditworthiness in innovative ways that other lenders cannot do.

5. Choose to apply to at least five lenders:

Make sure that you apply directly to at least five bad credit mortgage lenders. This will help widen your options as you go after the right loan offer.

In the end, it is all about getting the same thing you have now (your home) for less money (lower mortgage payments). Refinancing can be just the thing to help – even if you have a bad credit score.

About the Author: Find more tips on how to secure a bad credit mortgage refinance loan at:

Bad Credit Home Mortgage Refinance

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=680542&ca=Finances

French Workers stay at home for Whit Monday

">
French Workers stay at home for Whit Monday
December 31st, 2021 in Uncategorized | No Comments

Monday, May 16, 2005

In France, workers by the millions stayed at home during the Whit Monday holiday despite the government’s cancellation of the traditional Pentecost public holiday. Some acted in defiance of the government’s decision, while some took leave or were put on forced leave by their employers due to uncertainties of public transportation.

Following the 2003 heat wave, which caused the deaths of an estimated 13,000 elderly people in France, the administration of prime minister Jean-Pierre Raffarin has proposed the suppression of one day of public holiday in order to use the supplemental generated tax for a fund for the caring of the elderly.

Whit Monday was selected because, in normal years, France has several public holidays in May. Furthermore, attendance of religious celebrations is low, so holidays of a religious origin are nowadays generally mere family reunions.

However, the reception of this new working day was mixed. The administration says it promotes solidarity with the elderly. Trade unions and opposition groups argue that the measure is an ill-conceived stunt aimed at hiding the government’s bad handling of the problems of the elderly.

For instance, many remember that in 1956, the government created a tax (the vignette) on motor vehicles, allegedly for funding measures for the elderly. But in 1973, the products of this tax came, as any other tax, into the government’s general fund.

With this measure, the French government intends to raise 2 billion to be donated to a new public establishment, the “national fund for solidarity for autonomy.” The new fund would be chartered to deal with losses of self-sufficiency of elderly or handicapped people. 1.2 billion € are earmarked for elderly people, 0.8 for the handicapped.

Trade unions had called for strikes in urban public transportation and paralyzed traffic in 27 cities, including Clermont-Ferrand, Lille, Montpellier ou Strasbourg. However, SNCF (the national railway operator) did not strike and RATP (the Paris transportation authority) suffered only minor disturbances, though both are normally known for their frequent and disturbing strikes.

SNCF considered the day as a holiday for payroll purposes and instead increased the work day by 1’52”, a measure that majority leader Nicolas Sarkozy considered shocking and contrary to the objectives of the government.

The protests are also widely considered to be motivated by the unpopularity of the administration of president Jacques Chirac and prime minister Jean-Pierre Raffarin. Recent statistics show a five year-high for unemployment at 10.2%.

This discontent may result in a majority of “no” in the vote for the ratification of the Treaty establishing a Constitution for Europe.

Retrieved from “https://en.wikinews.org/w/index.php?title=French_Workers_stay_at_home_for_Whit_Monday&oldid=3844123”

Bailout signals Lisbon’s capitulation to financial markets

">
Bailout signals Lisbon’s capitulation to financial markets
December 30th, 2021 in Uncategorized | No Comments

Saturday, April 9, 2011

Having resisted financial-market pressure for months, Portugal has finally requested an International Monetary Fund (IMF) and European Union bailout.

The emergency loan, believed to total around 75 billion euros, comes three weeks after the country’s prime minister, José Sócrates, resigned following parliamentary rejection of his government’s proposed austerity measures.

Following recent sovereign debt crises in Greece and then Ireland, the Portuguese government’s actions have attracted harsh criticism in the European press. Applauding the request for foreign assistance, Britain’s The Guardian nonetheless lambasts Mr Sócrates for the tardiness of his decision. The British newspaper described Portugal as “the financial-market equivalent of a dead man walking” in an editorial dated April 7.

In Portugal, Público observed that “it will not be easy to accept more austerity, but it will be impossible to accept any more demagoguery, denial of reality, political incompetence or irresponsibility”.

The National Daily noted, however, that the “return of the IMF represents a stinging defeat for Portugal”. Indeed, the political intransigence since Mr Sócrates’s resignation on March 23 was widely viewed as doomed to failure from the outset. The Portguese request, pointed out Spain’s El País, “surprised no-one, but [had] been delayed for political reasons”.

These latest developments will no doubt fuel further criticism of the single currency. In Austria, Vienna’s Der Standard labelled the euro a “deceitful entity”, mocking the claim by European leaders that “States bailed out using taxpayers’ money will be able to repay their debts with restructuring”.

There have been widespread claims that a will to protect the euro has led Brussels to unduly downplay the gravity of the sovereign debt crisis sweeping the continent.

The emergency loan is expected to be delivered before Portuguese elections on June 5.

Retrieved from “https://en.wikinews.org/w/index.php?title=Bailout_signals_Lisbon%27s_capitulation_to_financial_markets&oldid=4594702”

How To Evaluate Beauty Salons In Hays

December 28th, 2021 in Cosmetic Surgery | No Comments

byAlma Abell

Sure, a bad haircut can grow out, but who has that kind of time to be out of the public eye while your hair grows? If you are in a new area and are searching for Beauty Salons Haysmake sure you know how to properly evaluate a shop. If you are new to an area you probably don’t have a list of local friends that can recommend a good place so you will need to do a little work but it will be worth the effort. In a service industry, cleanliness, pricing, location, customer service and the services offered should be evaluated both individually and collectively.

Cleanliness, especially in a service and health industry, is extremely important. Use the same evaluations that you would use in any health managed facility. If tools are not being cleaned properly after each use then you can bet the rest of the facility will not be kept up according to standards. A simple look around the salon for the proper treatment of tools, placement of current licenses, as well as product on the shelves that is dusty or needing updating will give you instant accreditation as to the health aspects of the parlour.

Both pricing and location are going to be important aspects to consider when evaluating a salon. Obviously, with any service you will expect to pay more for a location that is central as their overhead expenses will cost more and those costs are passed down to the customer. While services are easy enough to compare prices for, you should also back up service expectations with current licenses and certificates that each beautician in the shop holds. The more current the certifications and class attendance, the more you can be confidant the current industry standards are being met.

Deciding on Beauty Salons in Hays is a very personable decision. You need to be able to communicate to a stylist your needs and desires and they need to be able to effectively communicate the expected outcomes. It is not unusual to do contact places of training such as Hays Academy Of Hair Design to get personal references about particular stylists and the services they are most proficient in.