Is Mortgage Refinancing Right For You?

By Simon Volkov

Mortgage refinancing can be beneficial to borrowers who need to reduce monthly loan installments or want to take advantage of reduced interest rates. It can also offer a solution to those in preforeclosure; meaning banks have not taken legal action to repossess the property.

A second type of mortgage refinancing is that of cash back mortgages. This option allows borrowers to obtain lump sum cash using accrued home equity. Since home loans are assessed with a lower rate of interest than other types of loans, entering into a cash back mortgage might be a smarter option when funds are required for large purchases.

Refinancing requires mortgagors to apply for a new home loan. Proceeds from the new loan are used to pay off the previous loan. Borrowers must possess sufficient credit scores and payment history to qualify for financing. Those with bad credit, mortgage arrears, or high debt-to-income ratios typically will not qualify.

Many homeowners refinance through their current lender. However, it is always smart to shop around and compare lender rates. It is also smart to review current loan documents to determine if prepayment penalties exist.

Many banks include a prepayment clause within the ‘Truth in Lending’ section. In many cases, prepayment penalties are assessed during the first 5 years. Others reduce penalties annually throughout the duration of the loan.

[youtube]http://www.youtube.com/watch?v=b0WdxcYs24I[/youtube]

Borrowers often fail to read loan contracts and are shocked to discover they are penalized for early payoff. Mortgagors holding two or more mortgages can take a hard financial hit when refinancing.

Mortgage lenders typically assess closing costs for refinanced loans. Fees can be as much as 6-percent of the outstanding principal and interest. Common refinance fees include: loan application, loan origination, title search, land survey, property inspections and appraisals, and legal expenses. Cost to refinance a $200,000 mortgage could hover around $12,000.

One source for borrowers facing foreclosure is Making Home Affordable. This government-sponsored program offers solutions to those struggling to meet mortgage obligations under Home Affordable Refinance Program (HARP).

HARP eligibility requirements are provided at MakingHomeAffordable.gov, but may vary by lender. The program is offered to borrowers with Fannie Mae or Freddie Mac loans who are current with loan installments and have not been more than 30 days late with payments within the previous 12 months.

Borrowers can apply for HARP mortgage refinance as long as the outstanding balance of their current mortgage does not exceed 125-percent of current market value and they have the financial ability to comply with new payments.

Another credible source for borrowers in need of mortgage assistance is the Department of Housing and Urban Development. HUD provides complimentary housing counseling to those facing foreclosure; in need of loan modification; or assistance with refinancing home loans.

HUDs website includes an entire section dedicated to mortgage refinance. Visitors can download lender comparison guides and financial worksheets; locate local housing counselors; and learn about all available programs at HUD.gov.

Mortgage refinance can be a good option as long as borrowers conduct due diligence and carefully weigh the advantages and disadvantages of taking out a new home loan. Borrowers should only engage this option if doing so makes smart financial sense.

For most people, their home is the most valuable asset owned. Borrowers should pursue all available options to protect it. Making poor financial decisions or engaging in wasteful spending can quickly place real estate at risk for foreclosure. Take time to assess the risks and rewards of mortgage refinancing before entering into a new contract.

About the Author: If you are considering mortgage refinancing it is crucial to research every available option and compare home loan providers. Author and real estate investor, Simon Volkov shares insights and resources to help homeowners make informed decisions at SimonVolkov.com.

Source: isnare.com

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Palestinian President Mahmoud Abbas cuts ties with Israel

Sunday, March 2, 2008

The President of Palestine, Mahmoud Abbas has cut all diplomatic ties and relations with Israel including any and all communications.

Abbas made his decision after recent Israeli crackdown on Palestinian militants has left over 100 people dead and dozens injured. On Saturday March 1, 70 Palestinians were killed in clashes. At least two soldiers of the Israeli Defense Force were also killed.

Abbas says that he will continue his silence towards Israel until “all aggression” against Palestine is stopped.

“The negotiations are suspended, as are all contacts on all levels, because in light of the Israeli aggression such communication has no meaning. The Israeli government has decided to prosecute an unjust war and the open slaughter of our people. It bears sole responsibility for the hindering the peace process and all the effects and consequences of this decision,” said Nabil Abu Rudeina, a spokesman for Abbas in a statement to the media.

According to reports by Africasia quoting Agence France-Presse (AFP), Israel calls the move by Abbas a mistake.

“Suspending peace talks is a mistake and it gives the keys to the negotiations to Hamas,” said an Israeli official to AFP who was not named.

The United States among other nations have called for Israel to stop its strikes, but Prime Minister Ehud Olmert said that “nothing will prevent us from continuing operations to protect our citizens.”

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In depth: Buffalo, N.Y. hotel proposal controversy

Friday, May 26, 2006

Buffalo, N.Y. Hotel Proposal Controversy
Recent Developments
  • “Old deeds threaten Buffalo, NY hotel development” — Wikinews, November 21, 2006
  • “Proposal for Buffalo, N.Y. hotel reportedly dead: parcels for sale “by owner”” — Wikinews, November 16, 2006
  • “Contract to buy properties on site of Buffalo, N.Y. hotel proposal extended” — Wikinews, October 2, 2006
  • “Court date “as needed” for lawsuit against Buffalo, N.Y. hotel proposal” — Wikinews, August 14, 2006
  • “Preliminary hearing for lawsuit against Buffalo, N.Y. hotel proposal rescheduled” — Wikinews, July 26, 2006
  • “Elmwood Village Hotel proposal in Buffalo, N.Y. withdrawn” — Wikinews, July 13, 2006
  • “Preliminary hearing against Buffalo, N.Y. hotel proposal delayed” — Wikinews, June 2, 2006
Original Story
  • “Hotel development proposal could displace Buffalo, NY business owners” — Wikinews, February 17, 2006

In February of 2006, the Savarino Services Construction Corp. proposed the construction of a seven million dollar hotel on Elmwood and Forest Avenues in Buffalo, New York. In order for the hotel to be built, at least five properties containing businesses and residents would have to be destroyed. It was not certain whether the properties were owned by Savarino or by the landlord Hans Mobius. The hotel was designed by Karl Frizlen of the Frizlen Group, and is planned to be a franchise of the Wyndham Hotels group.

Elmwood Avenue is known by the community as a popular shopping center, and Nancy Pollina of Don Apparel (who is “utterly against” the construction) claims it’s the only reason why students from Buffalo State College leave campus. Additionally, Michael Faust of Mondo Video said he did not want to “get kicked out of here [his video store property].”

In 1995, a Walgreens was proposed to be built on the same land, but Walgreens later withdrew its request for a variance because of pressure from the community. More recently, Pano Georgiadis tried to get the rights to demolish the Atwater House next to his restaurant on Elmwood Avenue, but was denied a permit due to the property’s historical value. He has since been an opponent to the hotel construction.

In the process of debating the hotel, it was thought that a hotel had previously existed on the proposed site, however; research done at the Buffalo and Erie County Historical Society had shown that no hotel had previously existed on the site.

Retrieved from “https://en.wikinews.org/w/index.php?title=In_depth:_Buffalo,_N.Y._hotel_proposal_controversy&oldid=4272668”

Riyo Mori is crowned Miss Universe as Japanese after 48 years’ absence

Thursday, May 31, 2007

According to The Japan Times, the 20-year-old Japanese delegate Riyo Mori was crowned as the 56th Miss Universe, in a ceremony held at Mexico City on May 28 .

Riyo, the new Miss Universe titleholder, is from Shizuoka, Japan. She had stayed in Canada to study ballet while in high-school.After Riyo returned to her country, she became to an instructor of a dance school.

Riyo Mori achieved the brilliant feat of winning this beauty contest as Japanese after 48 years’ absence.Incidentally, preceded runner-up is Kurara Chibana.

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Why Japanese Used Kei Trucks Or Mini Trucks Are Famous All Over The World?

Why Japanese used Kei trucks or mini trucks are famous all over the world?

by

P K Bansal

Mini Trucks, which are also known as Kei trucks, Kei means, light weight. Japanese Mini Trucks or Kei class vehicles are less expensive, smaller; lighter and very importantly they are fuel-efficient. Japanese mini trucks are available with automatic transmissions, 2WD, 4WD, air conditioning, forced induction engines and with other optional features. Japanese Used Mini Trucks are Popular in USA, Canada & Other countries as well.

SOME FACTS ABOUT JAPANESE MINI TRUCKS 44 Japanese Kei Truck or Mini Truck Is An ATV – Off Road – Multi Purpose Utility Vehicle. In Japan, the Kei Mini Trucks must have to pass mandatory inspection and strict EPA emissions standards, the cost of inspections increase as the vehicle ages, resulting in early export. Mini trucks engines are available in 550cc to 660cc, liquid cooled, 2, 3 or 4 cylinder gasoline, 40 MPG These mini trucks were having 12 tires. Some of them are available with differential lock or axle lock. These Mini Trucks are having Bed capacity, ~ 880lbs Having Weight ~ 1800lbs Their size was available in Ten feet long, Five feet high and Four feet wide. Japanese 44 Kei Mini Truck is approved in the USA For their use only in Off Road. 4 x 6 rear bed with folding sides, some available with dumps & Hydraulics. They are having full instrumentation – electric, oil, temp, Heat, defrost, wipers and headlight all standard, some with A/C. To be used in USA all imported Japanese 44 Kei Mini Trucks are Restricted To 25 mph otherwise they are available at 60 mph. Uses of Japanese Mini trucks: Construction, Landscaping, Hunting, Farming, Fishing, Hotels, Manufacturing Yards, Airports, Automobile Yards, Hospitals, Schools/Universities, Sports Centers, Train Stations, Complexes, Industrial Complexes, Amusement Parks, Industrial Mines, Malls, Warehouses, Parks/Gardens, Auto Garages, Docks, Boatyards, Museums, Race Tracks etc. Some of the best quality Kei mini trucks manufacturers in Japan are Suzuki, Daihatsu, Honda, Isuzu, Subaru, Mitsubishi, Toyota, Nissan, Hino, Mazda etc. If you are looking to import Kei Mini Truck of any make, then please visit now at: http://www.japaneseminitrucks.biz/stock/used_mini_truck_stock.php japanautopages.comJapanAutoPages.com

Article Source:

ArticleRich.com

[youtube]http://www.youtube.com/watch?v=N0gb9v4LI4o[/youtube]

Gastric bypass surgery performed by remote control

Sunday, August 21, 2005

A robotic system at Stanford Medical Center was used to perform a laparoscopic gastric bypass surgery successfully with a theoretically similar rate of complications to that seen in standard operations. However, as there were only 10 people in the experimental group (and another 10 in the control group), this is not a statistically significant sample.

If this surgical procedure is as successful in large-scale studies, it may lead the way for the use of robotic surgery in even more delicate procedures, such as heart surgery. Note that this is not a fully automated system, as a human doctor controls the operation via remote control. Laparoscopic gastric bypass surgery is a treatment for obesity.

There were concerns that doctors, in the future, might only be trained in the remote control procedure. Ronald G. Latimer, M.D., of Santa Barbara, CA, warned “The fact that surgeons may have to open the patient or might actually need to revert to standard laparoscopic techniques demands that this basic training be a requirement before a robot is purchased. Robots do malfunction, so a backup system is imperative. We should not be seduced to buy this instrument to train surgeons if they are not able to do the primary operations themselves.”

There are precedents for just such a problem occurring. A previous “new technology”, the electrocardiogram (ECG), has lead to a lack of basic education on the older technology, the stethoscope. As a result, many heart conditions now go undiagnosed, especially in children and others who rarely undergo an ECG procedure.

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G20 protests: Inside a labour march

Wikinews accredited reporter Killing Vector traveled to the G-20 2009 summit protests in London with a group of protesters. This is his personal account.

Friday, April 3, 2009

London — “Protest”, says Ross Saunders, “is basically theatre”.

It’s seven a.m. and I’m on a mini-bus heading east on the M4 motorway from Cardiff toward London. I’m riding with seventeen members of the Cardiff Socialist Party, of which Saunders is branch secretary for the Cardiff West branch; they’re going to participate in a march that’s part of the protests against the G-20 meeting.

Before we boarded the minibus Saunders made a speech outlining the reasons for the march. He said they were “fighting for jobs for young people, fighting for free education, fighting for our share of the wealth, which we create.” His anger is directed at the government’s response to the economic downturn: “Now that the recession is underway, they’ve been trying to shoulder more of the burden onto the people, and onto the young people…they’re expecting us to pay for it.” He compared the protest to the Jarrow March and to the miners’ strikes which were hugely influential in the history of the British labour movement. The people assembled, though, aren’t miners or industrial workers — they’re university students or recent graduates, and the march they’re going to participate in is the Youth Fight For Jobs.

The Socialist Party was formerly part of the Labour Party, which has ruled the United Kingdom since 1997 and remains a member of the Socialist International. On the bus, Saunders and some of his cohorts — they occasionally, especially the older members, address each other as “comrade” — explains their view on how the split with Labour came about. As the Third Way became the dominant voice in the Labour Party, culminating with the replacement of Neil Kinnock with Tony Blair as party leader, the Socialist cadre became increasingly disaffected. “There used to be democratic structures, political meetings” within the party, they say. The branch meetings still exist but “now, they passed a resolution calling for renationalisation of the railways, and they [the party leadership] just ignored it.” They claim that the disaffection with New Labour has caused the party to lose “half its membership” and that people are seeking alternatives. Since the economic crisis began, Cardiff West’s membership has doubled, to 25 members, and the RMT has organized itself as a political movement running candidates in the 2009 EU Parliament election. The right-wing British National Party or BNP is making gains as well, though.

Talk on the bus is mostly political and the news of yesterday’s violence at the G-20 demonstrations, where a bank was stormed by protesters and 87 were arrested, is thick in the air. One member comments on the invasion of a RBS building in which phone lines were cut and furniture was destroyed: “It’s not very constructive but it does make you smile.” Another, reading about developments at the conference which have set France and Germany opposing the UK and the United States, says sardonically, “we’re going to stop all the squabbles — they’re going to unite against us. That’s what happens.” She recounts how, in her native Sweden during the Second World War, a national unity government was formed among all major parties, and Swedish communists were interned in camps, while Nazi-leaning parties were left unmolested.

In London around 11am the march assembles on Camberwell Green. About 250 people are here, from many parts of Britain; I meet marchers from Newcastle, Manchester, Leicester, and especially organized-labor stronghold Sheffield. The sky is grey but the atmosphere is convivial; five members of London’s Metropolitan Police are present, and they’re all smiling. Most marchers are young, some as young as high school age, but a few are older; some teachers, including members of the Lewisham and Sheffield chapters of the National Union of Teachers, are carrying banners in support of their students.

Gordon Brown’s a Tory/He wears a Tory hat/And when he saw our uni fees/He said ‘I’ll double that!’

Stewards hand out sheets of paper with the words to call-and-response chants on them. Some are youth-oriented and education-oriented, like the jaunty “Gordon Brown‘s a Tory/He wears a Tory hat/And when he saw our uni fees/He said ‘I’ll double that!'” (sung to the tune of the Lonnie Donegan song “My Old Man’s a Dustman“); but many are standbys of organized labour, including the infamous “workers of the world, unite!“. It also outlines the goals of the protest, as “demands”: “The right to a decent job for all, with a living wage of at least £8 and hour. No to cheap labour apprenticeships! for all apprenticeships to pay at least the minimum wage, with a job guaranteed at the end. No to university fees. support the campaign to defeat fees.” Another steward with a megaphone and a bright red t-shirt talks the assembled protesters through the basics of call-and-response chanting.

Finally the march gets underway, traveling through the London boroughs of Camberwell and Southwark. Along the route of the march more police follow along, escorting and guiding the march and watching it carefully, while a police van with flashing lights clears the route in front of it. On the surface the atmosphere is enthusiastic, but everyone freezes for a second as a siren is heard behind them; it turns out to be a passing ambulance.

Crossing Southwark Bridge, the march enters the City of London, the comparably small but dense area containing London’s financial and economic heart. Although one recipient of the protesters’ anger is the Bank of England, the march does not stop in the City, only passing through the streets by the London Exchange. Tourists on buses and businessmen in pinstripe suits record snippets of the march on their mobile phones as it passes them; as it goes past a branch of HSBC the employees gather at the glass store front and watch nervously. The time in the City is brief; rather than continue into the very centre of London the march turns east and, passing the Tower of London, proceeds into the poor, largely immigrant neighbourhoods of the Tower Hamlets.

The sun has come out, and the spirits of the protesters have remained high. But few people, only occasional faces at windows in the blocks of apartments, are here to see the march and it is in Wapping High Street that I hear my first complaint from the marchers. Peter, a steward, complains that the police have taken the march off its original route and onto back streets where “there’s nobody to protest to”. I ask how he feels about the possibility of violence, noting the incidents the day before, and he replies that it was “justified aggression”. “We don’t condone it but people have only got certain limitations.”

There’s nobody to protest to!

A policeman I ask is very polite but noncommittal about the change in route. “The students are getting the message out”, he says, so there’s no problem. “Everyone’s very well behaved” in his assessment and the atmosphere is “very positive”. Another protestor, a sign-carrying university student from Sheffield, half-heartedly returns the compliment: today, she says, “the police have been surprisingly unridiculous.”

The march pauses just before it enters Cable Street. Here, in 1936, was the site of the Battle of Cable Street, and the march leader, addressing the protesters through her megaphone, marks the moment. She draws a parallel between the British Union of Fascists of the 1930s and the much smaller BNP today, and as the protesters follow the East London street their chant becomes “The BNP tell racist lies/We fight back and organise!”

In Victoria Park — “The People’s Park” as it was sometimes known — the march stops for lunch. The trade unions of East London have organized and paid for a lunch of hamburgers, hot dogs, french fries and tea, and, picnic-style, the marchers enjoy their meals as organized labor veterans give brief speeches about industrial actions from a small raised platform.

A demonstration is always a means to and end.

During the rally I have the opportunity to speak with Neil Cafferky, a Galway-born Londoner and the London organizer of the Youth Fight For Jobs march. I ask him first about why, despite being surrounded by red banners and quotes from Karl Marx, I haven’t once heard the word “communism” used all day. He explains that, while he considers himself a Marxist and a Trotskyist, the word communism has negative connotations that would “act as a barrier” to getting people involved: the Socialist Party wants to avoid the discussion of its position on the USSR and disassociate itself from Stalinism. What the Socialists favor, he says, is “democratic planned production” with “the working class, the youths brought into the heart of decision making.”

On the subject of the police’s re-routing of the march, he says the new route is actually the synthesis of two proposals. Originally the march was to have gone from Camberwell Green to the Houses of Parliament, then across the sites of the 2012 Olympics and finally to the ExCel Centre. The police, meanwhile, wanted there to be no march at all.

The Metropolitan Police had argued that, with only 650 trained traffic officers on the force and most of those providing security at the ExCel Centre itself, there simply wasn’t the manpower available to close main streets, so a route along back streets was necessary if the march was to go ahead at all. Cafferky is sceptical of the police explanation. “It’s all very well having concern for health and safety,” he responds. “Our concern is using planning to block protest.”

He accuses the police and the government of having used legal, bureaucratic and even violent means to block protests. Talking about marches having to defend themselves, he says “if the police set out with the intention of assaulting marches then violence is unavoidable.” He says the police have been known to insert “provocateurs” into marches, which have to be isolated. He also asserts the right of marches to defend themselves when attacked, although this “must be done in a disciplined manner”.

He says he wasn’t present at yesterday’s demonstrations and so can’t comment on the accusations of violence against police. But, he says, there is often provocative behavior on both sides. Rather than reject violence outright, Cafferky argues that there needs to be “clear political understanding of the role of violence” and calls it “counter-productive”.

Demonstration overall, though, he says, is always a useful tool, although “a demonstration is always a means to an end” rather than an end in itself. He mentions other ongoing industrial actions such as the occupation of the Visteon plant in Enfield; 200 fired workers at the factory have been occupying the plant since April 1, and states the solidarity between the youth marchers and the industrial workers.

I also speak briefly with members of the International Bolshevik Tendency, a small group of left-wing activists who have brought some signs to the rally. The Bolsheviks say that, like the Socialists, they’re Trotskyists, but have differences with them on the idea of organization; the International Bolshevik Tendency believes that control of the party representing the working class should be less democratic and instead be in the hands of a team of experts in history and politics. Relations between the two groups are “chilly”, says one.

At 2:30 the march resumes. Rather than proceeding to the ExCel Centre itself, though, it makes its way to a station of London’s Docklands Light Railway; on the way, several of East London’s school-aged youths join the march, and on reaching Canning Town the group is some 300 strong. Proceeding on foot through the borough, the Youth Fight For Jobs reaches the protest site outside the G-20 meeting.

It’s impossible to legally get too close to the conference itself. Police are guarding every approach, and have formed a double cordon between the protest area and the route that motorcades take into and out of the conference venue. Most are un-armed, in the tradition of London police; only a few even carry truncheons. Closer to the building, though, a few machine gun-armed riot police are present, standing out sharply in their black uniforms against the high-visibility yellow vests of the Metropolitan Police. The G-20 conference itself, which started a few hours before the march began, is already winding down, and about a thousand protesters are present.

I see three large groups: the Youth Fight For Jobs avoids going into the center of the protest area, instead staying in their own group at the admonition of the stewards and listening to a series of guest speakers who tell them about current industrial actions and the organization of the Youth Fight’s upcoming rally at UCL. A second group carries the Ogaden National Liberation Front‘s flag and is campaigning for recognition of an autonomous homeland in eastern Ethiopia. Others protesting the Ethiopian government make up the third group; waving old Ethiopian flags, including the Lion of Judah standard of emperor Haile Selassie, they demand that foreign aid to Ethiopia be tied to democratization in that country: “No recovery without democracy”.

A set of abandoned signs tied to bollards indicate that the CND has been here, but has already gone home; they were demanding the abandonment of nuclear weapons. But apart from a handful of individuals with handmade, cardboard signs I see no groups addressing the G-20 meeting itself, other than the Youth Fight For Jobs’ slogans concerning the bailout. But when a motorcade passes, catcalls and jeers are heard.

It’s now 5pm and, after four hours of driving, five hours marching and one hour at the G-20, Cardiff’s Socialists are returning home. I board the bus with them and, navigating slowly through the snarled London traffic, we listen to BBC Radio 4. The news is reporting on the closure of the G-20 conference; while they take time out to mention that Canadian Prime Minister Stephen Harper delayed the traditional group photograph of the G-20’s world leaders because “he was on the loo“, no mention is made of today’s protests. Those listening in the bus are disappointed by the lack of coverage.

Most people on the return trip are tired. Many sleep. Others read the latest issue of The Socialist, the Socialist Party’s newspaper. Mia quietly sings “The Internationale” in Swedish.

Due to the traffic, the journey back to Cardiff will be even longer than the journey to London. Over the objections of a few of its members, the South Welsh participants in the Youth Fight For Jobs stop at a McDonald’s before returning to the M4 and home.

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Stock markets worldwide rise on hopes of US economic recovery

Friday, August 21, 2009

Stock indexes worldwide rose on Friday, after US bank chief Ben Bernanke said that the US economy was starting to recover from the recession.

Addressing a conference in Wyoming, the bank chief said that “the prospects for a return to growth in the near term appear good.”

He added, however, that “the economic recovery is likely to be relatively slow at first, with unemployment declining only gradually from high levels.”

The Dow Jones Industrial Average gained 155.91 points, or 1.67%, to end the day at 9505.96. The Nasdaq reached 2020.90 points after gaining 1.59%. The Standard & Poor’s 500 Index, meanwhile, struck a ten-month high, reaching a level of 1,026.13 at the closing bell, up 1.9%.

The British FTSE index rose about two percent, closing at 4,851. The French Cac index gained 3.1% and the German Dax 2.8%.

“Bernanke was a little bit more bullish than most people were expecting. He’s saying that the global economy is starting to emerge from the recession and that the fears of a financial collapse have receded substantially,” said Jacob Oubina, the currency strategist of Forex.com.

“I think the market is just taking those headlines as extreme positives for the outlook.”

Jean-Claude Trichet, the European Central Bank president, warned that talk of a complete recovery might be premature. “I am a little bit uneasy when I see that, because we have some green shoots here and there, we are already saying, ‘well, after all, we are close to back to normal,’ ” he said.

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Do Anti Aging Skin Care Products Really Work?

By Dr. Valerie Rosenbaum

Never buy an anti aging skin care product unless you know what ingredients it contains. Anti aging skin care products should be regulated like health supplements and in some countries, they are.

But, in the United States cosmetic companies are allowed to use materials that are strongly suspected of or ‘known’ to cause cancer. The European Union has stricter regulations concerning what can and cannot be included in an anti aging skin care product, but the Bush Administration is against strict regulation of cosmetic companies.

Things may change, but in the meantime, you can be sure that your anti aging skin care products are safe, if you stick with a company that has signed the ‘Compact for Safe Cosmetics’. There’s a bit of a pun in the name, but the agreement is a serious one.

If a company signs, they pledge not to use compounds that have been linked to cancer. They pledge not to use known carcinogens. They also promise not to use ingredients that can cause birth defects and neurological damage.

[youtube]http://www.youtube.com/watch?v=0NUlIMaJUL4[/youtube]

It sounds like any company would be willing to take that pledge, but the major manufacturers, with ‘names you can trust’, have so far been unwilling to sign. So, your first step in finding a safe and effective anti aging skin care product is to look for one that has signed the compact.

Cosmetic companies are promoting all kinds of ideas and using various ingredients in their anti aging skin care products, but there are many naturally occurring compounds that are even more effective than those abrasive and irritating synthetic chemicals. First, let’s look at some protein.

You may not know it, but your skin’s layers are actually made up of a complex mesh of amino acid proteins woven together to basically protect the internal ‘you’ from the elements. When it comes to an anti aging skin care product, two of the most important amino acid peptides are keratin and hyaluronic acid.

For many years, cosmetic companies have tried adding these two to their anti aging skin care products, but the manufacturing processes that they use, as well as the source is wrong for human skin. So, they didn’t produce the desired result.

A new form of keratin called ‘Functional Keratin’ is now available for a manufacture to include in an anti aging skin care product. But, the big name companies are not using it and probably never will. Not because it isn’t effective, but because it is expensive.

Instead of adding hyaluronic acid, one company found that a different compound, derived from a type of kelp, prevents the amino acid from being broken down. So, the levels naturally rise. Look for anti aging skin care products that contain Functional Keratin and Wakame, they increase the body’s innate ability to produce new cells and fibers.

Other good ingredients to look for are coenzyme Q10, which inhibits free radical activity and repairs some of the older damage done, jojoba wax, for its protective and healing abilities, and olive oil because its composition is very close to the skin’s own oils, so it moisturizes. If you look hard enough, you can find an anti aging skin care product that contains all of these ingredients and more.

About the Author: Dr. Valerie Rosenbaum is a board certified dermatologist specializing in anti aging skin care. She has done extensive research on the way many chemicals used in natural skin care products do more harm than good. Visit her website DefendYourSkin.com to find out which skin care products she uses and recommends.

Source: isnare.com

Permanent Link: isnare.com/?aid=316631&ca=Aging

Russians protest against pension reform

Tuesday, September 11, 2018

On Sunday, reportedly over a thousand Russians were arrested for illegally protesting against government plans for pension age adjustment. The protest spanned several regions across the country. The plan would raise the retirement age an additional five years, with new age for men at 65, for women at 60.

According to monitoring data from media project OVD-Info, 1018 people were arrested, including 452 people in St Petersburg, 183 people in Yekaterinburg, 60 in Krasnodar, 43 each in Moscow and Omsk, 23 in Perm, 22 in Kazan, 20 in Tver, 17 in Ufa, 15 in Habarovsk, 13 each in Tomsk and Belgorod, 12 each in Chelyabinsk and Lipetsk, 10 in Novosibirsk, and some 80 in other cities.

In Moscow, the rally started at Pushkin Square at 2 p.m. local time and anti-riot police pushed people away. They marched toward the Kremlin. On their way, they again clashed with Police and did not complete the route.

The protests reportedly started in the Far East and Siberia first, followed by western regions of the country.

Regional elections were also on Sunday.

The pension adjustment plan has reportedly coincided with a significant drop in approval rating of Russian President Vladimir Putin.

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