Stabilize Your Retirement Income With A Reverse Mortgage In Newport News

byAlma Abell

Retirement is more enjoyable when you have enough money to do the things you enjoy. Unfortunately, many retirees are unable to travel and enjoy their final years because they don’t have enough income. A reverse mortgage can provide the cash flow older adults need to ensure their bills are paid and have some money left over to have fun. While a reverse mortgage in Newport News can help seniors stabilize their income, there are a few things everyone should know about this unique kind of loan before deciding to get one.

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In order to qualify for a reverse mortgage, the youngest applicant must be at least 62-years-old and either own their home free and clear or have a very small mortgage that can be paid off with the proceeds of the reverse mortgage. The applicants must live in the property but it can be up to a four-family residence, a manufactured home or an approved condominium. There are no income or credit restrictions on reverse mortgages.

After the reverse mortgage has been approved by lender, homeowners receive payments from their lender. The proceeds can be used in any manner so whether a senior needs the money for living expenses, home repairs or a dream vacation, they do not have to answer to anyone. Many seniors structure their reverse mortgage payments so they get a monthly check but lump sum payments are also an option. With a lump sum, seniors can make upgrades to their home so they can age in place or purchase a recreational vehicle and go on a road trip.

Unlike home equity loans, a reverse mortgage in Newport News does not need to be repaid as long as the borrower is living in the home. If the borrower moves out of the home or dies, the principal balance and interest on the loan becomes due. In some cases, the borrower’s heirs pay off the loan with life insurance proceeds. Another option is to sell the home and pay the balance. Because the lender does not own the home, the heirs are free to keep or sell it after the loan is repaid.

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Lobby groups oppose plans for EU copyright extension

Tuesday, February 26, 2008

The European Commission currently has proposals on the table to extend performers’ copyright terms. Described by Professor Martin Kretschmer as the “Beatles Extension Act”, the proposed measure would extend copyright from 50 to 95 years after recording. A vast number of classical tracks are at stake; the copyright on recordings from the fifties and early sixties is nearing its expiration date, after which it would normally enter the public domain or become ‘public property’. E.U. Commissioner for the Internal Market and Services Charlie McCreevy is proposing this extension, and if the other relevant Directorate Generales (Information Society, Consumers, Culture, Trade, Competition, etc.) agree with the proposal, it will be sent to the European Parliament.

Wikinews contacted Erik Josefsson, European Affairs Coordinator for the Electronic Frontier Foundation (E.F.F.), who invited us to Brussels, the heart of E.U. policy making, to discuss this new proposal and its implications. Expecting an office interview, we arrived to discover that the event was a party and meetup conveniently coinciding with FOSDEM 2008 (the Free and Open source Software Developers’ European Meeting). The meetup was in a sprawling city centre apartment festooned with E.F.F. flags and looked to be a party that would go on into the early hours of the morning with copious food and drink on tap. As more people showed up for the event it turned out that it was a truly international crowd, with guests from all over Europe.

Eddan Katz, the new International Affairs Director of the E.F.F., had come over from the U.S. to connect to the European E.F.F. network, and he gladly took part in our interview. Eddan Katz explained that the Electronic Frontier Foundation is “A non-profit organisation working to protect civil liberties and freedoms online. The E.F.F. has fought for information privacy rights online, in relation to both the government and companies who, with insufficient transparency, collect, aggregate and make abuse of information about individuals.” Another major focus of their advocacy is intellectual property, said Eddan: “The E.F.F. represents what would be the public interest, those parts of society that don’t have a concentration of power, that the private interests do have in terms of lobbying.”

Becky Hogge, Executive Director of the U.K.’s Open Rights Group (O.R.G.), joined our discussion as well. “The goals of the Open Rights Group are very simple: we speak up whenever we see civil, consumer or human rights being affected by the poor implementation or the poor regulation of new technologies,” Becky summarised. “In that sense, people call us -I mean the E.F.F. has been around, in internet years, since the beginning of time- but the Open Rights Group is often called the British E.F.F.


  • 1 The interview
    • 1.1 Cliff Richard’s pension
    • 1.2 Perpetual patents?
    • 1.3 The fight moves from the U.K. to Europe
    • 1.4 Reclaiming democratic processes in the E.U.
  • 2 Related news
  • 3 Sources
  • 4 External links
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Relief efforts continue

Over 116,000 are reported dead in the coastal areas of Sri Lanka, India, Indonesia, Thailand, Malaysia and other regions. As international aid begins to flow to the region, casualties caused by outbreaks of cholera, typhoid and related diseases, as well as by increasingly unsanitary conditions, threatens to push the death toll even higher.

‘Fockers’ set to meet another weekend title

With no new wide releases, last weekend’s films are set to rule U.S. and Canadian box office receipts once again.

Yushchenko claims victory in re-run

In Ukraine, the opposition candidate wins, and the Ukraine Elections commission rejects Prime Minister Yanukovych’s claims over election.

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  • Former bastketball player Kobe Bryant dies in helicopter crash, aged 41
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Looted, possibly contaminated body parts transplanted into USA, Canadian patients

Monday, March 20, 2006

Fears of contaminated bone and skin grafts are being felt by unsuspecting patients following the revelation that funeral homes may have been looting corpses.

Janet Evans of Marion Ohio was told by her surgeon, “The bone grafts you got might have been contaminated”. She reacted with shock, “I was flabbergasted because I didn’t even know what he was talking about. I didn’t know I got a bone graft until I got this call. I just thought they put in screws and rods.”

The body of Alistair Cooke, the former host of “Masterpiece Theatre,” was supposedly looted along with more than 1,000 others, according to two law enforcement officials close to the case. The tissue taken was typically skin, bone and tendon, which was then sold for use in procedures such as dental implants and hip replacements. According to authorities, millions of dollars were made by selling the body parts to companies for use in operations done at hospitals and clinics in the United States and Canada.

A New Jersey company, Biomedical Tissue Services, has reportedly been taking body parts from funeral homes across Brooklyn, New York. According to ABC News, they set up rooms like a “surgical suite.” After they took the bones, they replaced them with PVC pipe. This was purportedly done by stealth, without approval of the deceased person or the next of kin. 1,077 bodies were involved, say prosecuters.

Investagators say a former dentist, Michael Mastromarino, is behind the operation. Biomedical was considered one of the “hottest procurement companies in the country,” raking in close to $5 million. Eventually, people became worried: “Can the donors be trusted?” A tissue processing company called LifeCell answered no, and issued a recall on all their tissue.

Cooke’s daughter, Susan Cooke Kittredge, said, “To know his bones were sold was one thing, but to see him standing truncated before me is another entirely.” Now thousands of people around the country are receiving letters warning that they should be tested for infectious diseases like HIV or hepatitis. On February 23, the Brooklyn District Attorney indicted Mastromarino and three others. They are charged with 122 felony counts, including forgery and bodysnatching.

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Yearbook Software In A Digital Age

By Pamela L

This is the digital age. Technology has been given custody of everything from our shopping lists to our bank accounts. It’s only about time that our high school memories join the fray. For the digital generation, a digital yearbook is inevitable in reliving those precious memories of high school, middle school, sports team, or even community group.

For some people, however, a traditional physical, hard-copy yearbook still holds its appeal. Even the idea of going digital may even seem intimidating for most. So why go digital?

— For the most obvious reason, digital yearbooks can include videos and audio that otherwise cannot be included in the printed yearbook. Include video footage of events and activities, as well as, hundreds, even thousands, of photos. Because of economic constraints, traditional yearbooks contain only few images and the rest end up being discarded.

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— The economic climate has required schools and groups to go digital as the high cost of printing a school yearbook has become daunting. Digital yearbooks are cheaper to produce. The cost of distributing a yearbook on CD or DVD is definitely lower than printing on paper.

— A digital yearbook can be a great fundraising idea for schools. Create and sell digital yearbooks on CD or DVD-ROM. The money raised could offset the high cost of printing the yearbook.

There could be hundreds of reasons to go digital and hundreds of reason not to. However, with a digital yearbook software, schools, clubs and groups will find it easy to go digital. SpryBook, a digital yearbook software (http://www.sprybook.com), provides students a fully interactive yearbook experience with built in side bar navigation, search facility, background music and even an auto play button that will automatically play the digital yearbook in sequence. There are also other ways to create digital yearbooks. This includes using existing software like Microsoft Word or Powerpoint, using sophisticated expensive authoring software or going online. To check out these options and more, see this article on ways of creating an interactive digital yearbook:


Even if you’re more traditional, and don’t want to see the traditional yearbook being replaced by digital technology, going digital is still an option. A DVD or CD-ROM yearbook can be included as a supplement, distributed with the hard-copy so students can keep a traditional copy in their bookshelf, as well as a digital copy on their computers. Note, however, that some digital yearbooks are mere compilation of photos and are shown in a long sequence in DVD. For a truly digital yearbook that offers interactivity, a digital yearbook software like SpryBook is required.

To go digital or not to go digital? That is not the question. The question really is when will the digital world catch up with the yearbook. Isn’t it about time the world of yearbook became up-to-date with the digital age? Well, for now, the preference is yours. Going digital will bring you into an exciting new world of interactivity and multimedia. With the growing popularity of e-books as a form of media, why hold the yearbook back? Digital yearbooks offer interactivity which brings a whole new aspect to the experience of reading them. Readers will now be able to recall their memories in vivid and exciting new ways.



About the Author: Include videos, animations, thousands of photos, articles and other multimedia content to your yearbook. With SpryBook digital yearbook software, it is quick and easy to make a yearbook that caters to this digital generation.




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Sudan’s Vice President killed in helicopter crash

Monday, August 1, 2005

John Garang, recently sworn in as Vice President of the Sudan, was confirmed dead after his helicopter disappeared yesterday. Sudanese state television initially reported him to be alive but it now appears Mr. Garang died after his helicopter crashed.

Garang became Vice President in a historic deal, which ended the southern rebellion after 20 years of fighting. The deal created a government of national unity, giving hope to many that problems endemic to the region, including the Janjaweed militia in Darfur, could finally be solved and that the Muslim north could come to liveable terms with the Christian south.

Garang was making an official trip to Uganda when bad weather struck; his helicopter had not arrived at its destination and was out of contact leading many to fear the worst.

The BBC reports that “large-scale” rioting has broken out in the Sudanese capital Khartoum, with supporters of Mr. Garang battling armed police. Disturbances are also reported in the south of the country. Some southerners believe that the Sudanese authorities were behind the crash, according to USA Today, which draws parallels with the shooting down of a plane carrying Rwanda’s President Habyarimana in 1994. Habyarimana’s assassination helped trigger Rwanda’s infamous genocide, recently portrayed in the movie “Hotel Rwanda”.

Garang’s party, the Sudan People’s Liberation Movement, has appealed for calm, insisting that his death was an accident.

In a press release published on the website Allafrica.com, Uganda’s President Museveni appeared to be keeping an open mind about the circumstances of the crash, which he says took place on the Ugandan-Sudanese border. “The helicopter was a recently overhauled executive helicopter that has served us well for the last 8 Years”, he is quoted as saying, detailing a number of technical improvements recently made to the craft. In the same statement, Museveni announces the creation of a panel of experts to investigate the crash. “We have also approached a certain foreign government to rule out any form of sabotage or terrorism”, he says.

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Wikimania 2008: MediaWiki use in the U.S. Department of State

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Sunday, July 20, 2008

The last day of the Wikimania 2008 conference saw Saturday morning sessions on a variety of topics. Wikinews attended a presentation by Eric M. Johnson from the United States Department of State. Eric, a former NCO in the U.S. Marines, is the lead for the Knowledge Management Action team in the department’s Office of eDiplomacy, and involved in department’s use of Web 2.0 technologies for knowledge management. This includes blogs, and the key focus of his talk, Wiki culture in the U.S. Department of State.

Eric opened his presentation with an introduction to the U.S. State Department, one of the oldest agencies of the American government, which today has around 57,000 employees worldwide. When formed in the 18th century their offices and diplomatic staff operated largely autonomously due to lack of ability to communicate rapidly. By the mid-20th century this had changed with the advent of telegraph lines, and changed again with the Cold War and security concerns bringing to the fore the well-known term, “need to know”.

Now, in the 21st century, the volume of internal communication generated by the department is a staggering 1,800,000 cables a year, 1.5 billion emails, production of around 500,000 print volumes, and maintenance of approximately one thousand websites. Both internal and externally facing.

A pilot project was set up, Diplopedia, a MediaWiki wiki running on the department’s internal network, which outside of the department of defence is one of the largest private networks operated by the U.S. government.

A grassroots effort, this project to promote knowledge sharing differs from the well-known Wikipedia in that it does not allow anonymous edits. There are around 1,000 registered users who have contributed over 4,400 pages. Integration with the Department of State’s internal search engine prioritises results from the wiki, increasing the popularity of the site such that it has received over 650,000 page views. Like Wikipedia, users are required to provide sources for entered information at the foot of the article, and users are warned that it is a starting point and not an authoritative source of information. Data on visa requirements and information from other static department sites has been incorporated into the wiki.

Eric described the project as just reaching critical mass and attracting increasing interest from other departments. Among the ingredients leading to the success of the project were the cultural change with increasing awareness of the technology from Wikipedia, the formation by the community of a welcoming committee, and the taking on of roles to carry out tasks such as drafting. A number of staff act as “gardeners” tending to the wiki content, keeping it fresh, and well cross-referenced. The continual updating is a novel concept to many of their employees.

Unlike Wikipedia, and many other projects using MediaWiki, none of the Diplopedia pages are locked or protected. This even includes their main page. To date there have been none of the content disputes that have been an issue on Wikipedia, and the use of the wiki to replace traditional websites which are far more time consuming to maintain is seen as a logical extension of the project.

Carried out with no outside help, and by learning from others’ mistakes, the department has adopted mechanisms for assuming that contributions are well-intentioned, and has a body for oversight in the event of a dispute.

With the success of the project, eDiplomacy plans to introduce a separate, classified wiki. They will also expand the effort to compile biographies of foreign leaders, which was pioneered by the U.S. missions in Italy and Germany. This effort has proven valuable when combined with a version of the site available on portable devices such as the Blackberry.

The future holds moves to seek more support from management and integration with their primary authentication system. Among the features on the main page to keep the project interesting to staff is a “Diploquiz” which poses a weekly trivia question which can be answered from somewhere within the wiki.

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Wikinews Shorts: May 15, 2009

A compilation of brief news reports for Friday, May 15, 2009.

California governor Arnold Schwarzenegger proposed budget cuts and layoffs for California yesterday.

Californian education budgets would be cut by $3 billion USD for the next five years if California voters gave a yes votes to the budget-related measures for May 19’s special election.

Schwarzenegger is also ready to sell state properties including the San Quentin State Prison and the Los Angeles Coliseum to raise money for the state.


  • Associated Press. “Schwarzenegger Proposes Layoffs, Deep Budget Cuts” — FOXNews.com, 14 May 2009
  • Christie, Jim. “California governor sees $15.4 billion gap, urges deep cuts” — Reuters, 14 May 2009

Nintendo DS sales hit one million units last April. However, even with Nintendo’s moderate success with their DS gaming system, all video game sales have declined 17%.

GameSpot writer Tor Thorsen claims that Nintendo DSi, the current release of the Nintendo DS, is an acronym for “Dominating Sales in America.”


  • Thorsen, Tor. “NPD: US April sales slide 17%, DS tops 1 million” — GameSpot, 14 May 2009
  • “UPDATE 1-U.S. video game sales down 17 pct in April-NPD” — Reuters, 14 May 2009

Eight-time gold medalist Michael Phelps, in a recent conference Thursday, told reporters he will enter a swimming competition today.

This is Phelps’ first swim meet since he was photographed with a marijuana pipe in his mouth.

Phelps will swim the 200-meter freestyle and 100-meter butterfly races.

After the marijuana pipe photo was released, Phelps was unsure of whether he would swim again.


  • Crouse, Karen. “Phelps Has Company on Comeback Trail in Charlotte” — The New York Times, 14 May 2009
  • Newberry, Paul. “Phelps ready for 1st race since Beijing” — Associated Press, 14 May 2009

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Common Causes And Prevention Of Problem Skin}

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Common Causes and Prevention of Problem Skin


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Simply speaking, acne can be found to be synonymous with problem skin. Acne is typically a skin disease which pops up as changes take place in the sebaceous gland. Acne can appear on your skin as blackheads, whiteheads and even pimples. Although adolescents are the biggest sufferers of acne, there are (surprisingly) plenty of adults who suffer from acne too! So where does this acne come from?


Most acne sufferers break out from puberty when the body produces hormones which cause the sebaceous glands to enlarge. However this may sometimes continue into adulthood where it pops up during the menstrual cycle or during pregnancy.

Extra Sebum

Hormones can cause the sebaceous glands to produce extra sebum. This extra sebum may cause clogging and cause acne.

Follicle fallout

Usually around puberty, dead cells within the follicle are shed very rapidly. These may then mix with extra sebum forming a plug in the follicle and not allowing the skin to renew itself.


The bacterium P. acnes normally lives on all skin types and is part of the skins natural sebum maintenance system. However if a follicle is clogged, these bacteria multiply quickly causing an inflammation in the follicle and skin around it.

How to prevent all this??

Use an astringent to get the rid of any excess oil. Keep away from daily moisturizing. You can use an oil-free moisturizer if your skin is extremely rough.

Go for water-based products rather than oil-based products. This will control the oiliness of your skin. Also look for a sulfur-based soap and wash your face twice a day with it. This can be ideally done before you go to bed and just after you wake up. Dont scrub or irritate your skin though.

Use a honey mask at least once a week. Honey is a great disinfectant which can heal small discolorations on your skin whilst destroying any bacteria present on your skin.

If you are bombarded my pimples, you might want to consider taking a chromimum supplement once a day. You can also pack up your diet with Vitamin A-rich foods which help protect your skin and prevent the acne. Also eat plenty of zinc-rich foods. These will help reduce acne breakouts too. Eat lots of fresh fruits and vegetables too!

Wash your face before you go to bed so that you get rid of all the makeup and dirt that may have accumulated onto your skin throughout the day.

Drink at least 8 glasses of water everyday. This will help to keep you skin clean, hydrated and moisturized throughout the day.

KEEP YOUR HANDS OFF of pimples. Dont break or squeeze your pimples. This could cause inflammation and infection and push in all the infection deep into your skin worsening the problem. What more it could leave permanent scars too!

Stay away as much as possible from the direct sun. However, if its absolutely necessary to go out, use a sunscreen which is preferably oil-free.

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Common Causes and Prevention of Problem Skin}

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SLM shareholders led by Martin Garbus sue Spider-Man creator Stan Lee and Marvel for $750m

Tuesday, January 27, 2009

Martin Garbus, Esq. filed a shareholder derivative suit Monday against Marvel Entertainment and its Chief Executive Officer Isaac Perlmutter, as well as Stan Lee, the creator of Marvel superhero characters, and Lee’s wife and former Marvel Studios head, Avi Arad. The suit is for more than US$750 million (£528M) — about half of the estimated proceeds from Marvel’s movies.

Plaintiff Stan Lee Media (SLM) has four shareholders who live in Florida, California and Canada, and include Jose Abadin and Nelson Thall. The company is suing for recovery of civil damages representing one-half of film and book earnings from such blockbuster films as Spider-Man, Iron Man, X-Men, Hulk, and Fantastic Four franchises.

Defendants are accused of copyright violations over both the Marvel superhero characters and intellectual properties created by Stan Lee. Spider-Man’s three cinematic outings, starring Tobey Maguire, earned more than $1bn (£702m). “Most of Marvel’s financial success, including from the films, comes out of assets created by Stan Lee that are the subject of this suit,” the complaint states.

Lee, 86, has denied the allegations and has previously filed his own $50 million counter lawsuit against SLM, claiming the company has destroyed his name and reputation and prevented his effort to develop such properties as “The Accuser” and “The Drifter” and others via his first-look deals with Disney and Virgin Comics. Lee also co-created Daredevil, Doctor Strange and Thor.

Former dot-com company STM further alleges that it has agreed to pay Lee a $250,000 annual salary plus $100 million in company stock in exchange for the rights to the superhero characters. “That money should have gone to the corporation,” said Garbus. Lee’s counsel, Mark Williams, replied: “We look forward to a positive resolution for Stan Lee and his family.” Marvel has said the court pleadings, which were filed in U.S. District Court in Manhattan, are filled with “ridiculous claims”.

SLM ran out of operating capital during the dot-com meltdown in December 2000, closing operations entirely by December 19 of that year. The company was placed into Chapter 11 Reorganization in Bankruptcy by Stan Lee in 2001. During the insolvency proceedings, Lee assigned the major character franchises he had created to his new public company, POW! Entertainment, without the bankruptcy court’s approval.

Two multi-billion dollar lawsuits for damages were filed against Lee, his new company, his new partner Arthur Lieberman and Marvel Entertainment for cybersquatting and failure to disclose the existence and value of the Rights Assignment Lee made to the company when he founded it.

The company remained under bankruptcy protection until the US Trustee for the Central District of California moved to dismiss the bankruptcy proceedings for failure of the company as debtor in possession to comply with basic requirements of filing monthly reports and paying quarterly fees to the Trustee. SLM was taken back by the shareholders after its dismissal from bankruptcy and hired a legal and accounting forensic consultant to review all transactions that occurred during bankruptcy.

By November 2006, all of the officers and directors of the company had resigned or abandoned their positions and the company’s lawyers for the debtors in possession attempted to obtain court authorization to destroy or dispose of the company’s books and records. This initiated a long-running legal battle between shareholders and the company’s founder, Lee.

The plaintiffs in this most recent suit contend that Lee, Perlmutter, Arthur Lieberman and Avi Arad conspired in bad faith to conceal and misappropriate financial interests in Lee’s creations assigned to Stan Lee Media in 1998. SLM’s meltdown involved its former President Peter F. Paul fleeing to Brazil, contributions made to Bill and Hillary Clinton, Paul’s extradition and more. In 2007, SLM filed a $5 billion lawsuit in which it claimed co-ownership of all of Stan Lee’s creations for Marvel.

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