Advantage Of The Halifax Equity Release Scheme?

Submitted by: Mable William

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

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

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

About the Author: Retirement Solutions is an indpendent financial adviser and specialist in equity release. We can also advise you on the Halifax equity release plan. Visit

retirementsolutions.co.uk/halifax-retirement-home-plan-mortgage

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=662480&ca=Finances

Drought conditions hit much of US again in 2012

Monday, July 9, 2012

Over half of the contiguous United States is experiencing drought conditions, according to a report released Thursday by the National Weather Service. The report, addressing the period through this coming September, predicted many states will see these conditions persist, or worsen.

Further government reports indicate that high temperatures have played a role in the drought. Additionally, food supplies are being negatively impacted. 22 percent of the corn and soybean crop in key states is reported in “poor or very poor condition”; other crops have also been reduced in the wake of the conditions.

Only days ago, over one million residences in the greater Washington D.C. area were without air-conditioning following a rash of storms and high winds. Reports indicate that temperatures reached at least 100 degrees Fahrenheit (about 38C) during that period. Overall, 18 deaths were attributed to those conditions which extended to several states. Two Tennessee brothers, ages 3 and 5 died after playing outside, according to one report. When asked about weather conditions, a Texas woman told Wikinews, “This heat has been dreadful. I can hardly stand to be outside for more than 10 minutes.”

The National Weather Service’s report noted that, in the southeastern US, some weather improvements are expected across certain portions of Georgia and South Carolina. An Arkansas woman told Wikinews, “…it’s horrible. We’re not used to these kinds of temperatures. It’s so miserable outside right now. It doesn’t normally get this hot here…this is unbelievable.” Sources are referring to this drought as the worst since 1988.

Retrieved from “https://en.wikinews.org/w/index.php?title=Drought_conditions_hit_much_of_US_again_in_2012&oldid=2714878”

Apple Computer CEO Steve Jobs gives opening keynote to WWDC 2005

Monday, June 6, 2005

Apple Computer CEO and co-founder Steve Jobs gave his annual opening keynote to the World Wide Developers Conference (WWDC) at Moscone Center in San Francisco, California on Monday. He announced a seamless integration of podcasting with iTunes, and, to the amazement of many, that future Apple Macintosh computers will feature Intel processors.

Jobs welcomed everyone to the event and announced that there were 3,800 attendees. There are 500 Apple engineers at what is their largest developers conference in the past decade. There are over 500,000 developers of Apple programs (apps). Jobs said that Apple has 109 retail stores, with one million visitors per week, creating over $500 million yearly in revenue. The Mac market share is up 82% from 9 months ago.

Jobs then moved on to talk about a very anticipated announcement- Podcasting. Steve called podcasting “Wayne’s World for radio”. He called it the “hottest thing going in radio”, and, “exciting”. There are over 8,000 podcasts. Steve Jobs announced that automatic podcasting subscription would be built in to iTunes and iPod seamlessly. He also announced that QuickTime 7 would be soon available for Windows.

Moving on, Jobs announced that there have been 2 million copies of Tiger sold in the 6 weeks that it has been available. He demoed the Wikipedia Dashboard widget. Steve announced that Mac OS X Leopard would be released in 2007, the same time as Microsoft’s Longhorn.

In a surprising move, Steve Jobs announced that Macintosh computers would begin to be shipped with Intel processors, the same as in Windows machines, ending the eleven year partnership with IBM and Motorola. This is said to be out of Apple’s increasing frustration at IBM’s inability to deliver faster and cooler processors, though it is interesting to note that Intel has recently added Digital Rights/Restrictions Management (DRM) to its latest processors. This ‘switch’, he said, would happen beginning next year. Jobs said that Mac OS X has had “a secret double life” and OS X had “been compiled [for Intel processors] for five years.” He talked about the easiness for developers to port their Mac apps to Intel (x86) processors. Current PowerPC programs can be run on Intel processors due to a new Apple technology. He said that Apple is “getting ready” for the transition from PowerPC to Intel.

This article features first-hand journalism by Wikinews members. See the collaboration page and notes page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page and notes page for more details.
Retrieved from “https://en.wikinews.org/w/index.php?title=Apple_Computer_CEO_Steve_Jobs_gives_opening_keynote_to_WWDC_2005&oldid=4376005”

How To Draft The Perfect Brand Strategy}

Submitted by: Atwconsultancy Team

Every company has since its inception tried to be the best in the market. That is the main aim and objective of every company in the market. They want to be the most successful among their target market, among their competition and be the best at what they do. Since the rapid growth and development of technology, companies have been given more and more ways to meet the needs of their target audience and adapt themselves to the times. However since change is a constant phenomenon, it is important that a company has a plan which they can follow to make sure they are always up to date. This is known as a brand strategy. A brand strategy is a long-term plan drafted by a company which helps them organize their resources, understand the market and reach their end goals. All the decisions that are taken by the company after setting its brand strategy must keep in line with the goal of the company.

[youtube]http://www.youtube.com/watch?v=FN5vLwaGvFY[/youtube]

While branding strategies change according to the company they are being set for, depending on the field of work and principles of the company, all branding strategies must follow these 7 key guidelines. First is purpose. Here the company must state the actual purpose of their business. The purpose of the company is usually stated in a few lines and can be functional or intentional. A functional purpose means the companys only aim is to make money while an intentional purpose means the company wants to make money and do good for the society. The second step during the business strategic planning process is setting the consistency. Consistency is how available and frequent the company wants to be in the media. Consistency helps build customer loyalty. The aspect is Emotion. The company must decide whether they want to advertise and sell their brand with facts or emotion. Adding an emotional value to your brand helps get more customer loyalty. The fourth aspect in successful branding strategies is flexibility. This looks at how adaptable your brand is to change. Brands that can change with the times, survive with the times. The fifth aspect is employee involvement. It is important that your plan gives enough attention to the needs and wants of your employees and allows them to grow. The sixth step in business strategic planning is loyalty. It is highly important that a brand takes measures and makes sure that their customer base is loyal to them. But a company must also be loyal to their customers. This relationship helps companies during a crisis. The last aspect is competitive awareness. A company must be aware of its competition and must take steps to be the best in the game.

These 7 steps must be present and be paid equal attention to during the business strategic planning process. If your company is just starting out or is in the middle of a change in its working, make sure that you create a solid brand strategy or update yours to stay in the game. Remember, a good strategy means great success!

About the Author: ATWC is a premier media management and business consultancy agency in Australia that provides dynamic strategic planning and ethnic brand marketing. For more details please visit :-

atwconsultancy.com.au/

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1963915&ca=Business}

Delta Blues wins 2006 Melbourne Cup

Tuesday, November 7, 2006

The Japanese owned Delta Blues ridden by Iwata Yasunari has won the AU$5.1 million 2006 Melbourne Cup. Trainer Katsuhiko Sumii also achieved the Quinella winning bet with stablemate Pop Rock, ridden by Damien Oliver, placing second in the race. Maybe Better came in at third, with Zipping posting a fourth place finish. Pre-race favourite Yeates missed the start, finishing seventh.

After the race, jockey Iwata joyfully shouted “Very happy, very happy. My biggest winner ever.”

Zabeat was the last finisher in a 23-horse field that was reduced in number after the early morning scratching from the race of Efficient with leg soreness.

Australians bet over $50 million dollars on the race, with Delta Blues paying $17.50 for the win, which made it the first horse from Japan to have won the race in the 145 year history of the Melbourne Cup.

Retrieved from “https://en.wikinews.org/w/index.php?title=Delta_Blues_wins_2006_Melbourne_Cup&oldid=435143”

Mystery surrounds ricin discovery in Las Vegas hotel

Saturday, March 1, 2008

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Retrieved from “https://en.wikinews.org/w/index.php?title=Mystery_surrounds_ricin_discovery_in_Las_Vegas_hotel&oldid=1977329”

Tech Help For Microsoft Access

Tech Help for Microsoft Access

by

Lisa Collins

For designing a database that will give you a systematic way to arrange your business information, you need to integrate it with existing advanced database computer technologies of today. For getting an excellent first hand experience, you can start right now by opening Microsoft Access that comes with your Microsoft Windows package.

You start with creating a new database. A database in Access is a sum total of objects that will be included in your particular project. Database objects include tables, forms, reports, queries, pages, macros, and modules. A table contains actual record, such as name of a customer, date of transaction. It is tables that store your business information. Rest is the ways how information in tables is manipulated to meet your needs.

Total storing of information will be divided into different tables. The tables are usually divided based on similarity of subject. For instance, a Customer Detail table will include details on permanent details of customer such as Customer First Name, Customer Last Name, Customer Address, etc. Such entities (Customer First Name, etc.) are called as fields. By classifying and relating tables, an effort is made to reduce data redundancy. This makes information processing systematic. Make sure that each table has one field that records unique record. For instance, Customer Detail table may have Customer ID as unique field which will ensure that same record of a single customer is not entered twice. This is the primary key for this Customer Detail table.

[youtube]http://www.youtube.com/watch?v=ZLIXojn3LDo[/youtube]

Parent-child relationship is easy to understand and is the building block of relational database management system. Your tech help expert may help you understand more about one-to-one relationship, one-to-many relationship, and many-to-many relationship while linking tables. While designing a database table, make sure that tables are related logically using relational model.

A database in access can be created by using wizard that comes with it. This wizard includes usual database tables that you need for various types of business applications. For instance, Asset Tracking Wizard is ideal for maintaining records of assets of your households and business; Ledger for usual buying and selling in a trading concern. For a startup, you may choose the wizard that matches your personal or professional needs the most. As you progress, you can always customize it. Just because you have chosen a particular wizard do not bare you from customizing it missing any independent features. Therefore, tech help experts always suggest starting with the wizard for developing your database application.

You also have the option to start with a blank database from Windows. This is more suitable for experienced information technology professionals who have prior experience working on Microsoft Access.

You can use form to make input of data more convenient. In form, each record comes one-by-one. This is much more convenient to enter and edit data than a table with all records together scrolling in one screen. You will learn to create powerful queries that will locate and retrieve information as per your specifications. Macros allow you to carry a specific function with a click of a button. There are already many functions in Access such as Sum that are in-built programmed to help you with that. However, you can also create your own macros that will be programmed using Visual Basic. It is Visual Basic which Access uses for its internal programming. A module is a group of Visual Basic commands that are programmed to give you a customized end-user application. Modules help your specific needs in a more customized way.

As you progress starting with an inbuilt database wizard for your database application, you will have the flexibility to further modify and customize it as per your needs.

Your working on Microsoft Access evolves over time. A

tech help

expert in a popular computer forum may help you where you need additional technical support.

Today, a popular online

computer forums

provides you with useful computer-related tips on data processing of your business application. Such tech help tips will go a long way in evolving a database application for you.

Article Source:

ArticleRich.com

Egypt protests: Army say they will not use force on demonstrators as Mubarak announces cabinet

Tuesday, February 1, 2011

The president of Egypt has suffered a “devastating blow” after the country’s army announced they would not use force against their own people, who continue to protest against the government tonight. The news came hours after six journalists who reported on the protests were released from custody.

Hosni Mubarak yesterday announced a new cabinet, which does not include several figures who protesters largely do not approve of. Analysts have, however, suggested little had changed within the government; many positions, they say, are filled with military figures.

To the great people of Egypt, your armed forces, acknowledging the legitimate rights of the people … have not and will not use force against the Egyptian people.

In a statement broadcast on state media in Egypt, the army said: “To the great people of Egypt, your armed forces, acknowledging the legitimate rights of the people … have not and will not use force against the Egyptian people.” A BBC correspondent in Cairo said the announcement meant it “now seems increasingly likely that the 30-year rule of Mr Mubarak is drawing to a close.”

“The presence of the army in the streets is for your sake and to ensure your safety and wellbeing. The armed forces will not resort to use of force against our great people,” the statement added. “Your armed forces, who are aware of the legitimacy of your demands and are keen to assume their responsibility in protecting the nation and the citizens, affirms that freedom of expression through peaceful means is guaranteed to everybody.”

Earlier today, six journalists from the independent news network Al-Jazeera were released from custody after being detained by police. The U.S. State Department criticized the arrests; equipment was reportedly confiscated from the journalists.

HAVE YOUR SAY
Have you been affected in some way by this unrest? Tell us your thoughts.
Add or view comments

Egyptian officials yesterday ordered the satellite channel to stop broadcasting in the country. Al-Jazeera said they were “appalled” by the government’s decision to close its Egyptian offices, which they described as the “latest attack by the Egyptian regime to strike at its freedom to report independently on the unprecedented events in Egypt.”

In a statement, the news agency added: “Al-Jazeera sees this as an act designed to stifle and repress the freedom of reporting by the network and its journalists. In this time of deep turmoil and unrest in Egyptian society it is imperative that voices from all sides be heard; the closing of our bureau by the Egyptian government is aimed at censoring and silencing the voices of the Egyptian people.”

On Friday, Wikinews reported the government had shut off practically all Internet traffic both out of and into the nation, as well as disrupting cellphone usage. A spokesperson for the social networking website Facebook said “limiting Internet access for millions of people is a matter of concern for the global community.”

A reported 50,000 campaigners, who are demanding the long-time leader step down and complaining of poverty, corruption, and oppression, filled Tahrir Square in Cairo today, chanting “We will stay until the coward leaves.” It is thought 100 people have so far died in the demonstrations. Today there have been protests in Suez, Mansoura, Damanhour, and Alexandria.

Speaking to news media in the area, many protesters said the new cabinet did little to quell their anger. “We want a complete change of government, with a civilian authority,” one said. Another added: “This is not a new government. This is the same regime—this is the same bluff. [Mubarak] has been bluffing us for 30 years.”

In Tahrir Square today, protesters played music as strings of barbed wire and army tanks stood nearby. Demonstrators scaled light poles, hanging Egyptian flags and calling for an end to Mubarak’s rule. “One poster featured Mubarak’s face plastered with a Hitler mustache, a sign of the deep resentment toward the 82-year-old leader they blame for widespread poverty, inflation and official indifference and brutality during his 30 years in power,” one journalist in the square reported this evening.

Retrieved from “https://en.wikinews.org/w/index.php?title=Egypt_protests:_Army_say_they_will_not_use_force_on_demonstrators_as_Mubarak_announces_cabinet&oldid=4576570”

Colleges offering admission to displaced New Orleans students/OH-WY

See the discussion page for instructions on adding schools to this list and for an alphabetically arranged listing of schools.

Due to the damage by Hurricane Katrina and subsequent flooding, a number of colleges and universities in the New Orleans metropolitan area will not be able to hold classes for the fall 2005 semester. It is estimated that 75,000 to 100,000 students have been displaced. [1]. In response, institutions across the United States and Canada are offering late registration for displaced students so that their academic progress is not unduly delayed. Some are offering free or reduced admission to displaced students. At some universities, especially state universities, this offer is limited to residents of the area.

Retrieved from “https://en.wikinews.org/w/index.php?title=Colleges_offering_admission_to_displaced_New_Orleans_students/OH-WY&oldid=527581”