Jan
31
2022
0

Asian stock markets slide; Nikkei at lowest level since ’82

Monday, October 27, 2008

On Monday, stock markets across Asia resumed their downward slide, and Japan’s Nikkei stock index fell to lows not seen since October 1982 as the Japanese government’s former measures to stop the credit and stock crisis have been seen by stockholders as not sufficient.

Japan’s prime minister, Taro Aso, spoke to government officials and asked them to make new tentative plans to save Japan from more damage inflicted by the worldwide recession. For the day, the Nikkei closed down 6.4 percent, or 486.18 points, to close at 7,162.90.

The U.S. dollar rose against the yen after six straight days of losses, trading at 92.27 yen to the dollar. On Friday, the trading value for the yen fell to 90.89, its worst showing for the currency since August 1995.

The Hang Seng Index in Hong Kong was in a freefall for the most of the day, ending down 12.7 percent, or 1,602.54 points, to 11,015.84. Before a late session rally, the index was trading below 11,000 points, which has not occurred since 2004.

The Shanghai Composite Index lost 6.3 percent, or 116.27 points, to close the day at 1,723.35. In the past year, the Shanghai Index, which is the most valued in mainland China, has lost nearly three quarters of its value. Other Asian markets fell sharply on fears echoed by Japan and China. Singapore’s Straits Times Index, which fell 8.3 percent on Friday, was not open today for a holiday.

Indian shares on the Sensex index in Mumbai fell ten percent, below the crucial 8,000-point level earlier in the day before rallying to a more modest two-percent decline. Australia’s stock losses were also marginally lower, still pushing the All Ordinaries in Sydney to their lowest levels since autumn 2004, at 3,768.

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Jan
30
2022
0

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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Jan
29
2022
0

Expired Listing Letter: An Important Marketing Tool For Real Estate Investors

By Simon Volkov

Expired listing letter refers to a marketing tool used by realtors and real estate investors. When realtors list real estate for sale they enter into a contract with the seller. These contracts are generally in place for six months to one year. If the property is not sold when the contract expires, sellers can enter into a new contract, locate a new realtor, list the home as for sale by owner, or take the property off the market.

The expired listing letter is used by realtors and investors who are interested in listing or buying properties. Expired real estate listings are located by searching the Multiple Listings Service (MLS) database. Every property across the nation that is listed for sale through a real estate agent is presented through the MLS database.

Investors utilize expired listing letters to contact sellers directly or to negotiate the sale of a property through a realtor. When investors work with realtors they earn a profit by closing the sale. When investors work directly with sellers they can eliminate realtor commissions by waiting until the listing expires.

Investors who have not dabbled in buying expired listing properties should take time to become educated about the process. This investment niche requires investors to develop a strong marketing strategy and have the ability to close sales when real estate agents have been unable to do so.

[youtube]http://www.youtube.com/watch?v=Kd9RH09f7gY[/youtube]

The first step of expired listings marketing involves creating the initial contact letter. A variety of expired listing letter samples are available via the Internet. Investors must adapt their letter to accommodate the circumstances of each seller. A good way to learn how to write compelling marketing letters is to participate in online real estate investing forums or join local real estate clubs.

The second step of expired listings marketing involves creating follow-up materials. These can range from direct mail campaigns to postcard marketing, and word-of-mouth referrals to cold calling. Within marketing circles, it is believed a customer must be contacted seven times before they are receptive to buying a product or service. Therefore, investors should develop a minimum 7-step marketing plan which keeps their name at the forefront of the seller’s mind.

Once real estate listings expire, sellers are often bombarded with expired listing letters. In order to stand out from the crowd, investors must create marketing messages which pique the seller’s curiosity and make them feel the investor can be trusted and will follow through on promises made.

It can be beneficial for real estate investors to hire a marketing company or copywriter to develop expired listing marketing materials. The primary focus of letters, brochures, and post cards should be to build a relationship with sellers who need to sell their home quickly.

Investors who are capable of solving problems will earn sellers business. When developing expired listings marketing materials it is crucial to focus on needs of the seller, not the accomplishments of the business being promoted.

Entering into the niche of expired listings real estate is highly competitive. In order to be successful, investors must be committed to their clients; develop a solid marketing plan; have a strong network of real estate professionals; possess the ability to locate motivated sellers and buyers; and know how to quickly close real estate transactions.

The expired listing letter is the catalyst to developing relationships and earning business. By taking time to carefully craft marketing materials, investors can attract sellers who need their services. By following through on promises made, investors can expand their business and generate profit on each transaction they successfully close.

About the Author: California real estate investor, Simon Volkov shares information and advice on utilizing the

expired listing letter

to generate profitable real estate transactions. He discusses a variety of investment strategies via his website at

SimonVolkov.com

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=597168&ca=Real+Estate

Written by Admin in: Loan Agreements |
Jan
28
2022
0

Suspected serial killer appears in British court

Friday, May 28, 2010

A man accused of being a serial killer has appeared in Bradford magistrates court in West Yorkshire today charged with three counts of murder. 40-year-old Stephen Griffiths is accused of killing Suzanne Blamires, 36, Susan Rushworth, 43, and Shelley Armitage, 31, all prostitutes.

Griffiths, a former van driver with a degree in psychology and studying for a PhD in criminology, gave his name as “Crossbow Cannibal” when asked. He has been in police custody since Monday when police were alerted to a CCTV recording that appeared to show a murder.

A caretaker had been reviewing footage from the flats where Griffiths lives when he saw footage of a woman and a man enter a flat early on Saturday morning. Two minutes later, she ran out and was followed by the man, who beat her to the ground and shot her in the head with a crossbow. Over the course of the weekend, the man was seen several times with bin bags and a rucksack.

On Tuesday, the day after the arrest of Griffiths, Blamires’ remains were found in the River Aire in nearby Shipley. She had been cut into several pieces and her head was located in a rucksack. Police continue to search for the other two alleged victims; Rushworth has been missing since June last year and Armitage vanished in April.

Police have searched much of Bradford’s red-light district, where Griffiths’ third-floor flat is located. Forensic investigations at the flat are expected to last around three weeks. There are plans to search landfill sites for bodies, and police may yet expand the inquiry to cover three more cold cases, although at present they have not been linked to the current inquiry.

Sniffer dogs have been used throughout the city, and police have been taking away plastic evidence bags. Some alleyways remain closed off. Police charged their suspect yesterday.

Griffiths was known as “the lizard man” in his block of flats owing to his habit of walking his two pet monitor lizards in the area. One neighbour is reported to have quoted him as saying he was studying for “a PhD in murder and Jack the Ripper,” and he has spent time in a high-security psychiatric hospital. During his five-minute court appearance he did not enter a plea, kept his head bowed and fidgeted with his cuffed hands. He said “Here, I guess,” when asked for his address.

As he stood in the glass-fronted dock, guarded by three security officers, he was watched by the families of Rushworth and Armitage, who were accompanied by police family liaison officers. Blamires’ family chose not to be present, but the victim’s mother Nicky Blamires, 54, has told the press that Suzanne was a “much-loved” family member even though she “went down the wrong path and did not have the life she was meant to have.” “Nobody deserves this,” she said. “All these girls were human beings and people’s daughters.”

Griffiths’ morning court appearance was followed by a second one this afternoon, at Bradford Crown Court. This time, he confirmed his name without incident. He was remanded into custody until next month, when he will appear in court again.

British media has been quick to compare the case to Peter Sutcliffe, dubbed the “Yorkshire Ripper”. Sutcliffe was a Bradford killer responsible for thirteen murders and seven attempted murders, including several prostitutes. Since his 1981 conviction he has spent most of the last three decades in Broadmoor high-security psychiatric hospital near London.

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Jan
27
2022
0

Celebrities contribute to Katrina relief

Published:Wednesday, September 7, 2005Updated:Saturday, September 10, 2005 (Travolta, Preston, Moore, Stones, Three Doors Down, Johnson, Smith)

After Hurricane Katrina passed across the United States, various artists and media stars have leapt at a call to action.

John Travolta and wife Kelly Preston flew his private plane to deliver a load of supplies and tetanus vaccine to Baton Rouge and New Orleans. Part of a Scientology project which has been using their non-massage “assists”, in an interview Preston mentioned that “auditing” had also been performed on victims.

Kevin Smith is holding an online auction on his Web site.

Sean Penn actually went to Louisiana. After loading down a small boat with his entourage, it was discovered one of them had neglected to seal a hole in the bottom. Penn was wearing a white vest rather than a life vest while bailing. After the motor wouldn’t start, the crew paddled down a flooded New Orleans street. Bystanders jeered at whether any victims could fit aboard the crowded craft. No report on rescue stunts. Local authorities had previously been criticized for not allowing volunteer boaters in to help.

Morgan Freeman, whose home fared well, is organizing an online auction of celebrity items at charityfolks.com, to benefit the American Red Cross Disaster Relief Fund.

Curt Schilling opened his home to a family of nine driven out of their New Orleans home. The Schilling family will provide housing for the Fields for a year while their home in New Orleans is rebuilt and repaired.

Some celebrities “graced” disaster zones with their presence in the days following Katrina.

Singer Macy Gray and television personality Phil McGraw visited Houston’s Astrodome.

Celebrities visiting New Orleans include Michael Moore (opposite side of lake), singer Harry Connick, Jr., CNN’s Anderson Cooper, actor Jamie Foxx, singer Faith Hill, actor Matthew McConaughey, singer Lisa Marie Presley, comedian Chris Rock, and The Oprah Winfrey Show contributor Lisa Ling and interior decorator Nate Berkus.

Oprah Winfrey visited New Orleans, Houston, and Mississippi.

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Jan
24
2022
0

Australia Votes 2007: Labor releases tax plan

Friday, October 19, 2007

Wikinews Australia has in-depth coverage of this issue: Election 2007

Labor has released its tax plan, following the announcement from the Liberal/National coalition that they would provide tax cuts costing AU$34 billion if re-elected. The government has placed pressure on Labor since their announcement on Monday, urging Mr Rudd to release the opposition’s tax plan.

Under Labor’s system, the government’s planned tax cuts for Australians earning more than $180,000 per year would be scrapped, saving $3 billion. The savings would be spent on health and education for working families.

Speaking in Canberra today, Mr Rudd announced that if elected he would spend $2.3 billion on tax rebates for parents with children in primary and secondary schools. The refunds would be available to those who are eligible for Family Tax Benefit A. Mr Rudd claims the plan would be available to around two million children.

A Rudd government would offer a 50 percent education rebate to parents, up to $750 per child for primary school aged children and up to $1500 for children in secondary school. The rebate could be used for a variety of purchases but not for school fees. Mr Rudd said the rebate would help to equip children for the digital age.

“If mum and dad are spending money on buying a laptop, spending money on buying a home computer, spending money on … purchasing internet connection, education software printers and books, those expenditures, (they) will be eligible to claim the 50 per cent education tax refund that we are putting forward,” Mr Rudd said.

“We need to equip our young people with the skills necessary to participate in the digital economy of the 21st century.”

Mr Rudd vigorously denied that he rushed the plan out after the government’s announcement. “We have been working on this education tax refund for the better part of four, five months,” Mr Rudd told reporters.

Labor would spend $400 million of the savings on Labor’s national health reform plan, while the remaining $200 million would go to the budget surplus.

Under the health reform plan, an elective surgery strategy would be implemented with the aim of reducing waiting times. Mr Rudd said the waiting times experienced by some Australians were unacceptable.

“We intend … to establish through the use of other funds as well a plan which would create a national elective-surgery strategy to reduce waiting times across the nation,” Mr Rudd said.

About 25,000 Australians are on waiting lists for elective surgery despite having passed the clinically acceptable waiting period, he said.

“That’s unacceptable,” he said.

Mr Rudd also said that Labor would embrace tax reform by flattening the number of tax rates from four to three, at 15, 30 and 40 percent by 2012-13. This contrasts to the government’s planned tax cuts bringing rates to 15, 30, 25 and 40 percent.

If Labor is elected, those paying the highest tax rate would pay around $10 a week more than they would under a Howard government. Mr Rudd said that he was not waging a class war and believed those paying the top tax rate wouldn’t mind investing in the country.

“If you’re on $180 grand and more, as people like myself are, I don’t think you really need it just now,” said Mr Rudd.

“What I say instead is that most people in that bracket wouldn’t mind an investment going into bridging the digital divide for the whole country.”

“If we were waging some sort of class warfare, we wouldn’t be in the business of outlining the long term goals that we’ve put forward – a flattening, prospectively, of the tax system down to three rates rather than four with a top marginal tax rate of 40.”

The government has criticised the plan, with Treasurer Peter Costello claiming that Mr Rudd copied “91.5 percent” of their tax policy. He accused the opposition of never having a tax plan.

“Mr Rudd talks about education – if he’d have brought his exam paper in after copying 91.5 per cent of the answers from the student sitting next to him, he would have got an F for fail.”

The Treasurer said that it would be unlikely that a Rudd government could deliver tax cuts as it could not manage the economy well enough to deliver them.

“Unless you can manage the Australian economy, these tax cuts will not be deliverable,” he said.

“Mr Rudd and Mr Swan do not understand the Australian economy. This is entirely clear from the fact they have spent four days copying 91.5 per cent of our tax plan.”

Mr Costello said that a Rudd government would have a dilemma if elected, in that he could not follow the coalition’s policies.

“He never had a tax policy,” Mr Costello said.

“He hadn’t done the work, five days after our tax policy, his great contribution to the tax debate in this country is to say ‘me too, but’.”

“The trouble with ‘me too, but’ is, it’s OK for Mr Rudd to say ‘me too, I’ll be like Howard and Costello and adopt their policies’, but if he gets in Howard and Costello won’t be there writing the policies.”

Mr Costello said that when Kevin Rudd runs out of ideas, the union movement would step in to provide guidance. “So who is going to say ‘me to, but’ to them? I think the union movement will be giving him a few ideas,” said Mr Costello.

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Jan
24
2022
0

San Francisco Condos For Sale Why It’s A Better Option

byadmin

You do have some options when it comes to buying real estate for sale but San Francisco condos for sale may be one of the best options on the table. There are quite a few reasons why San Francisco condos for sale is a better option than other options. Evaluating your choices is the best way to find the best real estate options that will best meet your needs.

The Benefits

People flock to buy condos in SF because it is the option that fits their lifestyle. Here are some benefits that you can experience when you purchase an SF condo:

* No maintenance worries- all you must worry about is inside your apartment, gardens, lounge areas and other communal spaces are taken care of for you. This fact of course will free up your time so that you can enjoy the things that you love to do.

* Prime location-if you love the city and want to live in the heart of the city than condo living is ideal for you. You can have easy access to all the things that make SF a great place to live when you live in the right condo in the right location.

* New, new and new- buying a new condo is even a better deal! When you buy new you are the first to live in it, it is up to the minute styled and will be a worry-free residence for years to come. New condos offer the best value.

Condo living is for people that do not want to be a slave to their property. Living in a condo gives you the possibility of living a carefree lifestyle while still owning property. Why pay for a lease when a condo builds value and can be a great way to get a return on your investment down the road.

Consider Your Options

Before you make a buying, decision consider your options carefully. With a little consideration, most people realize that if you are going to live in SF you might as well live in the heart of the city and take advantage of all the great possibilities. The Austin is a good example of why people buy condos instead of houses. You get all the amenities you need for your lifestyle; the condos are designed for how you live today and the location is completely exceptional!

Written by Admin in: Caravans |
Jan
23
2022
0

Seeds placed in Norwegian vault as agricultural ‘insurance policy’

Wednesday, February 27, 2008

The Svalbard Global Seed Vault, a vault containing millions of seeds from all over the world, saw its first deposits on Tuesday. Located 800 kilometers from the North Pole on the Norwegian island of Spitsbergen, the vault has been referred to by European Commission president José Manuel Barroso as a “frozen Garden of Eden“. It is intended to preserve crop supplies and secure biological diversity in the event of a worldwide disaster.

“The opening of the seed vault marks a historic turning point in safeguarding the world’s crop diversity,” said Cary Fowler, executive director of the Global Crop Diversity Trust which is in charge of collecting the seed samples. The Norwegian government, who owns the bank, built it at a cost of $9.1 million.

At the opening ceremony, 100 million seeds from 268,000 samples were placed inside the vault, where there is room for over 2 billion seeds. Each of the samples originated from a different farm or field, in order to best ensure biological diversity. These crop seeds included such staples as rice, potatoes, barley, lettuce, maize, sorghum, and wheat. No genetically modified crops were included. (Beyond politics they are generally sterile so of no use.)

It is very important for Africa to store seeds here because anything can happen to our national seed banks.

Constructed deep inside a mountain and protected by concrete walls, the “doomsday vault” is designed to withstand earthquakes, nuclear warfare, and floods resulting from global warming. Norwegian Prime Minister Jens Stoltenberg called it an “insurance policy” against such threats.

With air-conditioned temperatures of -18 degrees Celsius, experts say the seeds could last for an entire millennium. Some crops will be able to last longer, like sorghum, which the Global Crop Diversity Trust says can last almost 20 millenniums. Even if the refrigeration system fails, the vaults are expected to stay frozen for 200 years.

The Prime Minister said, “With climate change and other forces threatening the diversity of life that sustains our planet, Norway is proud to be playing a central role in creating a facility capable of protecting what are not just seeds, but the fundamental building blocks of human civilization.” Stoltenberg, along with Kenyan Nobel Peace Prize laureate Wangari Maathai, made the first deposit of rice to the vault.

“It is very important for Africa to store seeds here because anything can happen to our national seed banks,” Maathai said. The vault will operate as a bank, allowing countries to use their deposited seeds free of charge. It will also serve as a backup to the thousands of other seed banks around the world.

“Crop diversity will soon prove to be our most potent and indispensable resource for addressing climate change, water and energy supply constraints and for meeting the food needs of a growing population,” Cary Fowler said.

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Jan
19
2022
0

Four dead, at least 15 injured after gunman opens fire at fitness center in Bridgeville, Pennsylvania

Wednesday, August 5, 2009

Four people have been shot and killed and at least 15 wounded when a gunman opened fire inside a LA Fitness center in Bridgeville, Pennsylvania. The gunman was among the dead.

Reports say the man walked into a dance room where an all-female Latin dance class was in session, turned off the lights and began to shoot people. CNN reports that the gunman was a “middle-aged white male.” One witness said he was carrying a duffel bag, which he put down before shooting into the crowd. After opening fire, he turned the gun on himself. At least 30 people are reported to have been in the room at the time of the shooting.

Allegheny County police Superintendent Charles Moffatt said, “I’ve never seen nothing quite like this. It was very chaotic. […] There’s a good belief that the shooter is deceased.”

Collier Township Police Chief Tom Devin stated that the police, “believe the shooter committed suicide at the scene but we’re not positive.” Police report that the shooter’s motive may have been a domestic dispute with one of the exercisers.

Mike Hentosz, a witness who was inside the gym, said, “I feel like it’s a dream. I don’t know what to think of it.” A woman participating in the class, Nicole, said that 10 minutes into the class, “a middle-aged white male walked into the class. He had a big gym bag. […] He looked out of place in a class full of women.” When he began firing, she reported, she ran out of the gym and escaped in passerby’s car.

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Jan
17
2022
0

Navy helping New Orleans pets

Saturday, September 17, 2005

The Spanish word “tortuga” means “turtle.” But in the wake of the New Orleans disaster, the USS Tortuga is helping other animals.

For nearly two weeks now, sailors from Tortuga’s repair division have devoted much of their time during this disaster relief operation to ensure the health and comfort of displaced pets.

September 4th, just after the ship moored to a pier at Naval Support Activity (NSA) New Orleans, HT1(SW) Mark Hanley and DC1(SW) Antony Graves gathered materials from the repair shop on board to construct a kennel along the levee. The facility they made soon became a popular shelter for the homeless animals of the storm.

Tortuga’s search and rescue team brought aboard more than 170 displaced citizens during this past week, providing them with food, water, medical aid and a place to sleep.

Tortuga’s makeshift kennel, named ‘Camp Milo & Otis,’ has housed as many as 90 dogs, eight cats, one rabbit, one guinea pig, a pair of parakeets and a flightless pigeon during the past week of operation.

Currently, there are 14 dogs that remain in Tortuga’s care, as many of the other pets have been taken to animal shelters in the area for extra medical attention, or been claimed by their owners upon arrival to Tortuga. The pets that Tortuga has registered have all been in the hands of professional veterinarians assigned to provide expert medical attention to the members of Camp Milo & Otis.

Dr. Kelly Crowdis and Dr. Latina Gambles, both from Tuskegee University and Christian Veterinary Missions, have treated many of the pets for infection, dehydration, malnourishment and broken bones at the Camp during the past week.

“The animals were bathed and assessed before physical interaction with the sailors,” said Dr. Crowdis. “They’ve been given immunizations, antibiotics and medications based on their medical needs.”

Dr. Crowdis added, “What these sailors have done on their own has been such a heart-warming thing. As an animal lover, it is so comforting to know that everyone cares about the animals in addition to the human lives rescued from the storm. I’m very pleased with these guys for taking the initiative to construct this kennel.”

Graves, Hanley and other members of their division have consistently bathed, fed, walked and given special attention to every dog, every day.

“We play with them,” said Hanley. “We take them out of their kennels to give them attention every day. And we’ll continue to do that for as long as our ship’s mission keeps us here.”

September 11th, the Agricultural Center at Louisiana State University donated supplies to “Camp Milo & Otis” in support of Tortuga’s efforts to help the animal victims.

”We got medical supplies, bowls, food, cages, leashes, collars, toys, cat litter and cleaning supplies from these people yesterday,” said Graves. “It’s nice to know that so many people out there have heard about what our ship is doing, and responded by donating so much to support us the best they can.”

A photo gallery of unclaimed pets is on the USS Tortuga’s web site.

As part of disaster plans, the Department of Homeland Security has also deployed Veterinary Medical Assistance Teams to provide medical care to pets and livestock, as well as provide any needed veterinary medical care for search and rescue dogs.

There are over 3,850 animals being sheltered around the state. If someone is looking for a pet they should contact their nearest Humane Society or go online to http://www.petfinder.org// . More information is also available at http://www.vetmed.lsu.edu//.

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