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Bad Credit Second Mortgage Loans Vs. Home Refinancing 5 Fa Qs

Category : Mortgage Broker

By Marie-Claire Smith

Do you need cash in order to pay down some outstanding bills or to pay for an unexpected expense, such as a trip or a medical emergency?

If you are a homeowner, you may be in luck. For homeowners, there are two ways you can leverage the equity you have in your home in order to get the cash you need. The first way is to take out a second mortgage loan. The second way is to refinance your home.

What if you have a bad credit score? No worries: since you will be using the equity in your home as a form of loan collateral, you can still qualify for reasonable second mortgage loan interest rates – even with a low credit score.

If you are trying to decide between bad credit second mortgage loans and home refinancing, here are 5 FAQs that can help:

1. What is the difference between second mortgage loans and home refinancing?

[youtube]http://www.youtube.com/watch?v=uyxzg58JkYI[/youtube]

A: A second mortgage loan – also known as a home equity loan – involves leaving your existing first mortgage alone. Instead, you are just taking out an additional mortgage, usually at a higher interest rate than you have with your first mortgage.

On the other hand, with a home refinancing loan, you are paying off any existing first and/or second mortgages with a new mortgage loan. And if you need extra cash in the process, you just take out a larger loan than what you currently owe on your home now. You end up with a larger loan principal and possibly slightly higher monthly payments, but you will have the cash you need.

2. Which type of loan is easier to qualify for if I have a bad credit score?

A: Both types of loans are easy to qualify for if you have a bad credit score. In both cases, the lender will look at several factors, including your credit score, the total amount of your outstanding (first and/or second) mortgage principal, and the current market value of your home.

3. Which option will allow me to get more cash in hand?

A: Both loans turn out about the same in this regard. Whether looking for a second mortgage or a home refinance, keep in mind that each lender will offer a certain loan-to-value (LTV) type loan. For example, an 80% LTV loan means that you will be able to borrow up to 80% of the total equity in your home. The higher the LTV, the more you can borrow.

4. Which option is lower cost to me in the long run?

A: Refinancing your existing home loan may be less costly, since it gives you the opportunity to possibly qualify for a lower interest rate than you have on your existing first mortgage. The result could be an overall lower cost of loan, which would save you more money in the long run.

5. Which option is faster?

A: Taking out a second mortgage (a home equity loan) is probably the fastest route for you to take because doing so does not involve your having to shop for a completely new first mortgage. In most cases, qualifying for a second mortgage loan takes less than an afternoon.

Bonus tip: if you have a bad credit score, be sure to shop for “bad credit second mortgage lenders” or “bad credit home equity loan lenders.” These are the ones that are most likely to approve your loan, despite your low credit score.

About the Author: Find more tips on how to qualify for a bad credit second mortgage loan at:

Bad Credit Second Mortgage Approval

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Source:

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U.S. TV networks look to past for future programming

Category : Uncategorized

Tuesday, March 22, 2005

Los Angeles, California — Four of six national television broadcast networks recently wooed potential advertisers for the 2005-2006 season with programming offerings in the new development phase. These included NBC, Fox, ABC and The WB. Two other networks, CBS and UPN, plan to preview their offerings March 24.

After four years of focusing on high-profile reality television, network executives are turning to the past for inspiration on scripted series. Some networks said they are “more consciously aggressive about developing shows” that recall such classics as Taxi and Barney Miller, Craig Erwich, a programming executive for Fox, told USA Today. In the same report, Kevin Reilly, NBC entertainment chief said, “I don’t think the answer has to be that it’s groundbreaking or something you’ve never seen before.”

But at least one ad buyer had reservations about the rear-view mirror technique. “Every network seems to be looking back rather than forward for programming ideas. The reminiscence factor may be good if you are looking for an older audience, but it may not be a way to bring in the younger audiences,” Laura Caraccioli-Davis, senior vice president and director of Starcom Entertainment told Mediaweek magazine.

  THE CONTENDERS: New series touted for possible inclusion in the 2005-2006 season
Network Development
ABC
Emily’s Reasons Why Not
(Sitcom) – an unmotivated teacher in a class of Type-A students.
Life
(Drama) – a group of young 20-somethings in Chicago facing life on their own.
Soccer Moms
(Drama) – two suburban mothers become private investigators.
Fox
Briar & Graves
(Drama) – a horror series in the vein of X-Files.
Hitched
(Comedy drama) – a brother and sister run a Las Vegas wedding chapel.
Kitchen Confidential
(Sitcom) – antics in an upscale New York restaurant.
The Loop
(Comedy) – the travails of a young Chicago executive.
New Car Smell
(Comedy) – a Brooke Shields star vehicle in a Las Vegas car dealership
Queen B
(Sitcom) – Alicia Silverstone as a trendsetting columnist.
Reunion
(Drama) – shows the lives of a group of friends over 20 years with each episode chronicling one year.
NBC
All In
(Sitcom) – Janeane Garofalo as a single mom and professional poker player in Las Vegas.
Dante
(Sitcom) – sports themed revolving around an NFL star.
Hot Property
(Sitcom) – the competitive world of the real estate agent.
Lies and the Wives We Tell Them
(Sitcom) – politically incorrect family comedy.
Notorious
(Sitcom) – Tori Spelling stars in a mockumentary of her life.
WB
Nobody’s Watching
(Sitcom) – two normal guys win a reality show where their lives become a sitcom.
Pepper Dennis
(Drama) – Rebecca Romijn as a modern Mary Richards-type journalist in Chicago.
Sisters
(Drama) – four sisters coping with life in the city.
Retrieved from “https://en.wikinews.org/w/index.php?title=U.S._TV_networks_look_to_past_for_future_programming&oldid=4519895”

National Museum of Scotland reopens after three-year redevelopment

Category : Uncategorized

Friday, July 29, 2011

Today sees the reopening of the National Museum of Scotland following a three-year renovation costing £47.4 million (US$ 77.3 million). Edinburgh’s Chambers Street was closed to traffic for the morning, with the 10am reopening by eleven-year-old Bryony Hare, who took her first steps in the museum, and won a competition organised by the local Evening News paper to be a VIP guest at the event. Prior to the opening, Wikinews toured the renovated museum, viewing the new galleries, and some of the 8,000 objects inside.

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Dressed in Victorian attire, Scottish broadcaster Grant Stott acted as master of ceremonies over festivities starting shortly after 9am. The packed street cheered an animatronic Tyrannosaurus Rex created by Millenium FX; onlookers were entertained with a twenty-minute performance by the Mugenkyo Taiko Drummers on the steps of the museum; then, following Bryony Hare knocking three times on the original doors to ask that the museum be opened, the ceremony was heralded with a specially composed fanfare – played on a replica of the museum’s 2,000-year-old carnyx Celtic war-horn. During the fanfare, two abseilers unfurled white pennons down either side of the original entrance.

The completion of the opening to the public was marked with Chinese firecrackers, and fireworks, being set off on the museum roof. As the public crowded into the museum, the Mugenkyo Taiko Drummers resumed their performance; a street theatre group mingled with the large crowd, and the animatronic Tyrannosaurus Rex entertained the thinning crowd of onlookers in the centre of the street.

On Wednesday, the museum welcomed the world’s press for an in depth preview of the new visitor experience. Wikinews was represented by Brian McNeil, who is also Wikimedia UK’s interim liaison with Museum Galleries Scotland.

The new pavement-level Entrance Hall saw journalists mingle with curators. The director, Gordon Rintoul, introduced presentations by Gareth Hoskins and Ralph Applebaum, respective heads of the Architects and Building Design Team; and, the designers responsible for the rejuvenation of the museum.

Describing himself as a “local lad”, Hoskins reminisced about his grandfather regularly bringing him to the museum, and pushing all the buttons on the numerous interactive exhibits throughout the museum. Describing the nearly 150-year-old museum as having become “a little tired”, and a place “only visited on a rainy day”, he commented that many international visitors to Edinburgh did not realise that the building was a public space; explaining the focus was to improve access to the museum – hence the opening of street-level access – and, to “transform the complex”, focus on “opening up the building”, and “creating a number of new spaces […] that would improve facilities and really make this an experience for 21st century museum visitors”.

Hoskins explained that a “rabbit warren” of storage spaces were cleared out to provide street-level access to the museum; the floor in this “crypt-like” space being lowered by 1.5 metres to achieve this goal. Then Hoskins handed over to Applebaum, who expressed his delight to be present at the reopening.

Applebaum commented that one of his first encounters with the museum was seeing “struggling young mothers with two kids in strollers making their way up the steps”, expressing his pleasure at this being made a thing of the past. Applebaum explained that the Victorian age saw the opening of museums for public access, with the National Museum’s earlier incarnation being the “College Museum” – a “first window into this museum’s collection”.

Have you any photos of the museum, or its exhibits?

The museum itself is physically connected to the University of Edinburgh’s old college via a bridge which allowed students to move between the two buildings.

Applebaum explained that the museum will, now redeveloped, be used as a social space, with gatherings held in the Grand Gallery, “turning the museum into a social convening space mixed with knowledge”. Continuing, he praised the collections, saying they are “cultural assets [… Scotland is] turning those into real cultural capital”, and the museum is, and museums in general are, providing a sense of “social pride”.

McNeil joined the yellow group on a guided tour round the museum with one of the staff. Climbing the stairs at the rear of the Entrance Hall, the foot of the Window on the World exhibit, the group gained a first chance to see the restored Grand Gallery. This space is flooded with light from the glass ceiling three floors above, supported by 40 cast-iron columns. As may disappoint some visitors, the fish ponds have been removed; these were not an original feature, but originally installed in the 1960s – supposedly to humidify the museum; and failing in this regard. But, several curators joked that they attracted attention as “the only thing that moved” in the museum.

The museum’s original architect was Captain Francis Fowke, also responsible for the design of London’s Royal Albert Hall; his design for the then-Industrial Museum apparently inspired by Joseph Paxton’s Crystal Palace.

The group moved from the Grand Gallery into the Discoveries Gallery to the south side of the museum. The old red staircase is gone, and the Millennium Clock stands to the right of a newly-installed escalator, giving easier access to the upper galleries than the original staircases at each end of the Grand Gallery. Two glass elevators have also been installed, flanking the opening into the Discoveries Gallery and, providing disabled access from top-to-bottom of the museum.

The National Museum of Scotland’s origins can be traced back to 1780 when the 11th Earl of Buchan, David Stuart Erskine, formed the Society of Antiquaries of Scotland; the Society being tasked with the collection and preservation of archaeological artefacts for Scotland. In 1858, control of this was passed to the government of the day and the National Museum of Antiquities of Scotland came into being. Items in the collection at that time were housed at various locations around the city.

On Wednesday, October 28, 1861, during a royal visit to Edinburgh by Queen Victoria, Prince-Consort Albert laid the foundation-stone for what was then intended to be the Industrial Museum. Nearly five years later, it was the second son of Victoria and Albert, Prince Alfred, the then-Duke of Edinburgh, who opened the building which was then known as the Scottish Museum of Science and Art. A full-page feature, published in the following Monday’s issue of The Scotsman covered the history leading up to the opening of the museum, those who had championed its establishment, the building of the collection which it was to house, and Edinburgh University’s donation of their Natural History collection to augment the exhibits put on public display.

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Selection of views of the Grand Gallery Image: Brian McNeil.

Selection of views of the Grand Gallery Image: Brian McNeil.

Selection of views of the Grand Gallery Image: Brian McNeil.

Closed for a little over three years, today’s reopening of the museum is seen as the “centrepiece” of National Museums Scotland’s fifteen-year plan to dramatically improve accessibility and better present their collections. Sir Andrew Grossard, chair of the Board of Trustees, said: “The reopening of the National Museum of Scotland, on time and within budget is a tremendous achievement […] Our collections tell great stories about the world, how Scots saw that world, and the disproportionate impact they had upon it. The intellectual and collecting impact of the Scottish diaspora has been profound. It is an inspiring story which has captured the imagination of our many supporters who have helped us achieve our aspirations and to whom we are profoundly grateful.

The extensive work, carried out with a view to expand publicly accessible space and display more of the museums collections, carried a £47.4 million pricetag. This was jointly funded with £16 million from the Scottish Government, and £17.8 million from the Heritage Lottery Fund. Further funds towards the work came from private sources and totalled £13.6 million. Subsequent development, as part of the longer-term £70 million “Masterplan”, is expected to be completed by 2020 and see an additional eleven galleries opened.

The funding by the Scottish Government can be seen as a ‘canny‘ investment; a report commissioned by National Museums Scotland, and produced by consultancy firm Biggar Economics, suggest the work carried out could be worth £58.1 million per year, compared with an estimated value to the economy of £48.8 prior to the 2008 closure. Visitor figures are expected to rise by over 20%; use of function facilities are predicted to increase, alongside other increases in local hospitality-sector spending.

Proudly commenting on the Scottish Government’s involvement Fiona Hyslop, Cabinet Secretary for Culture and External Affairs, described the reopening as, “one of the nation’s cultural highlights of 2011” and says the rejuvenated museum is, “[a] must-see attraction for local and international visitors alike“. Continuing to extol the museum’s virtues, Hyslop states that it “promotes the best of Scotland and our contributions to the world.

So-far, the work carried out is estimated to have increased the public space within the museum complex by 50%. Street-level storage rooms, never before seen by the public, have been transformed into new exhibit space, and pavement-level access to the buildings provided which include a new set of visitor facilities. Architectural firm Gareth Hoskins have retained the original Grand Gallery – now the first floor of the museum – described as a “birdcage” structure and originally inspired by The Crystal Palace built in Hyde Park, London for the 1851 Great Exhibition.

The centrepiece in the Grand Gallery is the “Window on the World” exhibit, which stands around 20 metres tall and is currently one of the largest installations in any UK museum. This showcases numerous items from the museum’s collections, rising through four storeys in the centre of the museum. Alexander Hayward, the museums Keeper of Science and Technology, challenged attending journalists to imagine installing “teapots at thirty feet”.

The redeveloped museum includes the opening of sixteen brand new galleries. Housed within, are over 8,000 objects, only 20% of which have been previously seen.

  • Ground floor
  • First floor
  • Second floor
  • Top floor

The Window on the World rises through the four floors of the museum and contains over 800 objects. This includes a gyrocopter from the 1930s, the world’s largest scrimshaw – made from the jaws of a sperm whale which the University of Edinburgh requested for their collection, a number of Buddha figures, spearheads, antique tools, an old gramophone and record, a selection of old local signage, and a girder from the doomed Tay Bridge.

The arrangement of galleries around the Grand Gallery’s “birdcage” structure is organised into themes across multiple floors. The World Cultures Galleries allow visitors to explore the culture of the entire planet; Living Lands explains the ways in which our natural environment influences the way we live our lives, and the beliefs that grow out of the places we live – from the Arctic cold of North America to Australia’s deserts.

The adjacent Patterns of Life gallery shows objects ranging from the everyday, to the unusual from all over the world. The functions different objects serve at different periods in peoples’ lives are explored, and complement the contents of the Living Lands gallery.

Performance & Lives houses musical instruments from around the world, alongside masks and costumes; both rooted in long-established traditions and rituals, this displayed alongside contemporary items showing the interpretation of tradition by contemporary artists and instrument-creators.

The museum proudly bills the Facing the Sea gallery as the only one in the UK which is specifically based on the cultures of the South Pacific. It explores the rich diversity of the communities in the region, how the sea shapes the islanders’ lives – describing how their lives are shaped as much by the sea as the land.

Both the Facing the Sea and Performance & Lives galleries are on the second floor, next to the new exhibition shop and foyer which leads to one of the new exhibition galleries, expected to house the visiting Amazing Mummies exhibit in February, coming from Leiden in the Netherlands.

The Inspired by Nature, Artistic Legacies, and Traditions in Sculpture galleries take up most of the east side of the upper floor of the museum. The latter of these shows the sculptors from diverse cultures have, through history, explored the possibilities in expressing oneself using metal, wood, or stone. The Inspired by Nature gallery shows how many artists, including contemporary ones, draw their influence from the world around us – often commenting on our own human impact on that natural world.

Contrastingly, the Artistic Legacies gallery compares more traditional art and the work of modern artists. The displayed exhibits attempt to show how people, in creating specific art objects, attempt to illustrate the human spirit, the cultures they are familiar with, and the imaginative input of the objects’ creators.

The easternmost side of the museum, adjacent to Edinburgh University’s Old College, will bring back memories for many regular visitors to the museum; but, with an extensive array of new items. The museum’s dedicated taxidermy staff have produced a wide variety of fresh examples from the natural world.

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At ground level, the Animal World and Wildlife Panorama’s most imposing exhibit is probably the lifesize reproduction of a Tyrannosaurus Rex skeleton. This rubs shoulders with other examples from around the world, including one of a pair of elephants. The on-display elephant could not be removed whilst renovation work was underway, and lurked in a corner of the gallery as work went on around it.

Above, in the Animal Senses gallery, are examples of how we experience the world through our senses, and contrasting examples of wildly differing senses, or extremes of such, present in the natural world. This gallery also has giant screens, suspended in the free space, which show footage ranging from the most tranquil and peaceful life in the sea to the tooth-and-claw bloody savagery of nature.

The Survival gallery gives visitors a look into the ever-ongoing nature of evolution; the causes of some species dying out while others thrive, and the ability of any species to adapt as a method of avoiding extinction.

Earth in Space puts our place in the universe in perspective. Housing Europe’s oldest surviving Astrolabe, dating from the eleventh century, this gallery gives an opportunity to see the technology invented to allow us to look into the big questions about what lies beyond Earth, and probe the origins of the universe and life.

In contrast, the Restless Earth gallery shows examples of the rocks and minerals formed through geological processes here on earth. The continual processes of the planet are explored alongside their impact on human life. An impressive collection of geological specimens are complemented with educational multimedia presentations.

Beyond working on new galleries, and the main redevelopment, the transformation team have revamped galleries that will be familiar to regular past visitors to the museum.

Formerly known as the Ivy Wu Gallery of East Asian Art, the Looking East gallery showcases National Museums Scotland’s extensive collection of Korean, Chinese, and Japanese material. The gallery’s creation was originally sponsored by Sir Gordon Wu, and named after his wife Ivy. It contains items from the last dynasty, the Manchu, and examples of traditional ceramic work. Japan is represented through artefacts from ordinary people’s lives, expositions on the role of the Samurai, and early trade with the West. Korean objects also show the country’s ceramic work, clothing, and traditional accessories used, and worn, by the indigenous people.

The Ancient Egypt gallery has always been a favourite of visitors to the museum. A great many of the exhibits in this space were returned to Scotland from late 19th century excavations; and, are arranged to take visitors through the rituals, and objects associated with, life, death, and the afterlife, as viewed from an Egyptian perspective.

The Art and Industry and European Styles galleries, respectively, show how designs are arrived at and turned into manufactured objects, and the evolution of European style – financed and sponsored by a wide range of artists and patrons. A large number of the objects on display, often purchased or commissioned, by Scots, are now on display for the first time ever.

Shaping our World encourages visitors to take a fresh look at technological objects developed over the last 200 years, many of which are so integrated into our lives that they are taken for granted. Radio, transportation, and modern medicines are covered, with a retrospective on the people who developed many of the items we rely on daily.

What was known as the Museum of Scotland, a modern addition to the classical Victorian-era museum, is now known as the Scottish Galleries following the renovation of the main building.

This dedicated newer wing to the now-integrated National Museum of Scotland covers the history of Scotland from a time before there were people living in the country. The geological timescale is covered in the Beginnings gallery, showing continents arranging themselves into what people today see as familiar outlines on modern-day maps.

Just next door, the history of the earliest occupants of Scotland are on display; hunters and gatherers from around 4,000 B.C give way to farmers in the Early People exhibits.

The Kingdom of the Scots follows Scotland becoming a recognisable nation, and a kingdom ruled over by the Stewart dynasty. Moving closer to modern-times, the Scotland Transformed gallery looks at the country’s history post-union in 1707.

Industry and Empire showcases Scotland’s significant place in the world as a source of heavy engineering work in the form of rail engineering and shipbuilding – key components in the building of the British Empire. Naturally, whisky was another globally-recognised export introduced to the world during empire-building.

Lastly, Scotland: A Changing Nation collects less-tangible items, including personal accounts, from the country’s journey through the 20th century; the social history of Scots, and progress towards being a multicultural nation, is explored through heavy use of multimedia exhibits.

Retrieved from “https://en.wikinews.org/w/index.php?title=National_Museum_of_Scotland_reopens_after_three-year_redevelopment&oldid=4346891”

Looted, possibly contaminated body parts transplanted into USA, Canadian patients

Category : Uncategorized

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 prosecutors.

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.

Retrieved from “https://en.wikinews.org/w/index.php?title=Looted,_possibly_contaminated_body_parts_transplanted_into_USA,_Canadian_patients&oldid=4673663”

Hire A Taxi From Bangalore To Coorg Via Mysore

Category : Timber

Hire a taxi from Bangalore to Coorg via Mysore

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A marvelous hill station located in the southern part of Karnataka is Coorg called as Scotland of India, one of the major rivers Cauvery takes birth at Talakaveri which is in Coorg. This is one of the heavy rainfall region in India and it has only two major industries timber- based units, Rosewood is the most valuable timber found and coffee curing works and it also called as Orange Country. Coorg is located in the Kodagu district and Madikeri is the headquarters of the Coorg.

Huthari is the famous festival in Coorg which means new rice in Kodava Tak, and Madikeri is top in celebration of Dasara or Vijayadashami festival. There are more sightseeing places and prominent peaks like Kote Betta, Tumbe Male, Tadiyandamol, Nishani Motte, and temples etc., if you are have a preplanned trip to Coorg book a Bangalore to Coorg cab for hassle free and it is considered to be as Coffee Bowl of India due its more coffee plantations.

[youtube]http://www.youtube.com/watch?v=u32erVMfvhY[/youtube]

While travelling to Coorg there is one more tourist destination between Bangalore and Coorg is Mysore which is second largest city is Karnataka which is at a distance 146 km from Bangalore. Mysore is called the city of palaces due to number of present in the city and is also known as cultural capital of Karnataka. Mysore is famous for its tourist destination and fabulous for its Dasara festival which celebrated in the month of October or November and receives number of tourists during this festival.

If you plan one day trip to Mysore hire Bangalore to Mysore cab to visit all the tourist spots. It has many tourism places in and around Mysore are Brindavan Gardens where musical shows held at the Krishna Raja Sagara Dam, Datta Peetham which is remarkable place in Mysore, and many parks and play grounds and many museums like Folk Art Museum etc.

Along with these hill stations there is one more hill station near to Bangalore is Tirupati a famous temple town and a fabulous pilgrim place and is also a famous center for wood carving. It is famous for Lord Venkateswara situated on the top of seven hills. Here Brahamostvam is a famous festival celebrated in the month of September or October and Navaratri Brahmostvam, both festivals attracts number of pilgrims from various places. To have a visit to Tirupati hire a taxi from Bangalore to Tirupati so that you visit all the tourist places in between Bangalore and Tirupati.

Hire a

taxi from Bangalore to Tirupati

ease with

Bangalore to Coorg cab

. For more bookings visit

bookcab.in

Article Source:

ArticleRich.com


BC election writ drops; referendum campaigns underway

Category : Uncategorized

Tuesday, April 14, 2009

The provincial election was called today in British Columbia. Alongside with the election, the citizens of the province will also be debating if they should change their electoral system from Single Member Plurality to Single Transferable Vote (STV). The vote for both the election and the referendum is to be held on May 12th.

According to the Angus Reid Strategies online poll, the issues before the candidates this year are the economy, crime and public safety, and health care.

Gordon Campbell is the current Premier of British Columbia, and leader of the Liberal Party. Three new tax measures have been proposed, increasing apprenticeship training tax credits, reducing small business income tax, and raising the revenue definition for small business. “Keep B.C. Strong” is the Liberal slogan.

The New Democratic Party (NDP) leader Carole James is focusing her election platform on supporting a green economy, eliminating the carbon tax, offering families tax relief, freezing post-secondary tuition, raising the minimum wage, and providing a small business tax holiday. The NDP slogan is “Take back your B.C.”

The Green Party, led by Jane Sterk, is focused on environmental issues, crime and police, and a ‘green economy’. The Green Party is in support of the carbon tax and will be campaigning in favour of the new STV voting system that is being proposed again. The Green Party slogan is “A better plan for B.C.”File:Carole james.jpg

Wilf Hanni is at the helm of the Conservative Party which opposes the Recognition and Reconciliation Act, privatization of BC Hydro Bill 42 ‘gag law’, and the carbon tax. They propose to reduce senior civil employee pay scale, as well as personal and corporate income tax.

Other parties running candidates are the Democratic Reform under Graeme Roger, the Marijuana Party under Marc Emery, the Work Less Party under Conrad Schmidt, the Refederation Party under Mike Summers, the Sex Party under John Ince, and the Communist Party under George Gidora.

For 60 days before the election, each party may campaign with an allowable CA$1.1 million, in the final 28 days, $4.4 million may be spent. $70,000 is allowed by candidates before the writ is dropped, and another $70,000 in the midst of campaigning.

The referendum will allow BC voters to choose between two voting systems. The Single Member Plurality system is the current system in all Canadian provinces, and is also used to elect Members of Parliament in Ottawa. The other system is BC-STV, which would replace 85 single-member ridings with 20 larger ridings in which between two and seven Members of the Legislative Assembly (MLA) would be elected. The total number of MLAs will not change. Voters would rank the candidates in order of preference, as many or as few as they wish. When the results are tallied, votes are transferred to the next preference on the ballot when the first preference has been elected or eliminated. The system is designed to ensure that every vote helps to elect someone, every vote counts as fully as possible, and every voter is represented by a candidate they voted for, as nearly as mathematically possible.

Previous elections held under the current Single Member Plurality (also known as First Past The Post) system led to odd results in certain elections, such as the 2001 election where the winning party obtained 77 of the 79 seats of the legislature with just 58% of the vote, and the 1996 election, in which the party with the most votes failed to win the election. The recommendation to switch to STV was made by the British Columbia Citizens’ Assembly on Electoral Reform, a group formed in 2004 of randomly selected citizens. They spent a year learning about voting systems around the world and consulting with BC citizens.

It’s the fourth referendum in the country and the second in the province within the last 4 years. The previous referendum held in 2005 also voted on these same electoral systems and came within 2.3% of the 60% threshold. In order for the referendum to be binding, BC-STV will again need 60% of the popular vote and 50% of votes in 51 of the 85 ridings in BC. If the change is approved, it will be the first province in the country to adopt reform of the electoral system in recent history.

Fair Voting BC, recognized as the official proponent group, argues that STV will lead to fairer election results, effective local representation and greater voter choice. They argue that BC-STV will give voters the power to hold politicians and political parties accountable, by giving every voter a vote that actually makes a difference. If the STV system is approved, then it will be put into use for the first time for the 2013 provincial election.

The recognized opponent group is the No STV Campaign Society. Their arguments are that STV will give larger ridings, voters would be unsure of whom their MLA would be, there would be unequal geographic representation, that the counting method is too complicated, the electoral system results are unverified in practical usage, the system results in a higher probability of minority governments and the subsequent coalition of parties. They also argue that other countries who use systems similar to STV have had problems with their election results.

$500,000 in public funding has been given to both the proponents and the opponents of the referendum.

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Illinois high schools now required to buy insurance for athletes

Category : Uncategorized

Tuesday, August 6, 2013

This past Sunday, Illinois Governor Pat Quinn signed into law a bill known as “Rocky’s Law” that requires Illinois high schools, through the local school district, to buy catastrophic injury insurance up to US$3 million or medical costs for up to five years, whichever one comes first, that covers student athletes. The insurance must cover student athletes while they are competing.

The legislation was named after Rasul “Rocky” Clark. In 2000, the Eisenhower High School football player became paralyzed from the waist down as a result of a tackle during a game. His school based health insurance covered the costs of his medical treatment. A legislator sponsoring the bill noted that the need for this type of insurance is rare. Clark’s mother attended the legislation signing. Her son died last year.

Before parents can claim money from school insurance, they first must pay out US$50,000. Schools have until January 1, 2014 to comply with the law. Schools cannot charge students more than US$5 to defray the cost of insurance. If a school district already requires student to be covered through private health insurance, they are exempted from this law.

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Austrian police find dozens dead inside lorry

Category : Uncategorized

Thursday, August 27, 2015

Austrian police today found an estimated 20–50 decomposing corpses in an apparently abandoned lorry.

Roadworkers who spotted the vehicle, which had been there since yesterday at least, alerted police. Responding officers found it full of corpses. The lorry is on the so-called “Eastern Motorway”, the A4, close to the Hungarian border. It was on the hard shoulder between Neusiedl and Parndorf, closer to Parndorf.

The victims are thought to have suffocated. Police are seeking the driver. The Krone published an image of a non-articulated food lorry on the hard shoulder, which they report is the vehicle in question. The photo shows a pool of dark liquid on the ground beside the vehicle.

Video from a passing motorist shows at least one helicopter on-scene. The truck, which has pictures of meat on the side, shows branding for Slovakian food firm Hyza. Earlier today the company’s website sported an apparent anti-immigration graphic, which has since been removed.

Wikinews got in touch with Hyza. “We are truly sorry about [the] tragedy” they told us in a statement. They said they have checked GPS trackers on their fleet and all their vehicles remain in Slovakia. The statement says the lorry in question was one of 21 Hyza vehicles sold on last year. It was then sold again and exported to Hungary, where it is now registered. Hyza told us the new owners have not changed the branding on the vehicle. According to the Bild newspaper, Agrofert — the parent company of Hyza — said in a statement the new owners were required to do so.

Hyza says they will “actively cooperate with Slovak police”, and “express [their] sincere condolences to the bereaved families.”

Interior Minister Johanna Mikl-Leitner called it “a dark day” and called for European Union-wide measures to protect immigrant refugees and tackle human traffickers. Neighbouring Hungary is constructing a border fence across its entire frontier with Serbia. Yesterday alone saw a record 3,241 attempts to enter Hungary illegally, according to authorities there.

Conflict in Syria and other parts of the world has led refugees to Europe. Once inside, they can move freely inside the Schengen Area, which covers most of the EU.

Austrian police earlier this week arrested three motorists suspected of people smuggling. One driver is accused of moving 34 people, ten of them children, into Austria from Serbia. The group were left by the roadside near Bruck an der Leitha and reported struggling to breathe in the van.

Retrieved from “https://en.wikinews.org/w/index.php?title=Austrian_police_find_dozens_dead_inside_lorry&oldid=3795078”

How May Michigan Car Insurance Work?

Category : Insurance

Submitted by: Melissa Gomez

Decision to get a new vehicle should not be made in haste, as it is amongst the most expensive choice in one s life. Getting yourself a motor insurance plan together with this possession is a regular practice for the majority of us. The finance company may not let you to have the car unless you might provide evidence that you have a suitable car insurance plan. The majority of novices will not put so much attention in buying the policy; they decide on the first thing that they bump into. A perfect choice is the lowest priced policy with the protection your finance company wishes. It is recommended to learn the fundamental terminology of how automotive protection plan operates, so that you may more effectively learn the insurance coverage you have.

There are a few necessary concerns that you need to know previous to making a final choice is to have an understanding of the numerous forms of scheme that are found. A few automobile insurance plans have liability coverage. Accidental injuries are related to life and automobile is a valuable item which is inclined to wrecks that may be caused by other cars or trucks or adverse climate. Accountability protection might help provide safety in such out of the blue situations. It’s necessary lawfully in most states of the U.S.A.

[youtube]http://www.youtube.com/watch?v=DVegFQ54OSg[/youtube]

Thereafter theNow the most important requirement is to analyze the sum of coverage that you would like to be assured with. Everyone has different needs and you would allot a specific sum accordingly pretty much that justifies your necessities. A basic sum of $100,000 is a basic supportive amount which a large number of purchasers are happy to cover themselves with. This sum includes damage to asset and this amount covers collision cover as well. There are many unseen stipulations, you should have an upper hand and to check out prior to signing up the final agreement.

A lot of us are familiar that we will be needing vehicle insurance in order to drive on the streets, it’s obligatory in Michigan. On the other hand it’s a protection cover and will safeguard our wants. At the same time, there are different conditions for having a mortgage on a vehicle rather than just owning it really. Internet has evolved the world we dwell in; the quotes are obtainable at the click of a button. The Insurance providers solicit plenty of questions on the company, model of the vehicle, the year of manufacture along with other details associated with your driving abilities prior to giving you the insurance plan. The sum and sort of cover you pick is what would confirm the fee you may spend on a per month, six monthly or 12-monthly basis as the stipulations claim.

In the event that a crash does take place, you should lodge the claim right away with your insurance firm. Although it’s not your mistake, your insurance provider will look after the claim procedure like your advocate. Life is a lot easier whenever you have an excellent auto insurance cover to save you as well as your vehicle.

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Source:

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Amnesty Report 2006: disadvantaged pay price of war on terror

Category : Uncategorized

Friday, May 26, 2006

The human rights watchdog NGO Amnesty International described 2005 as a year of contradictions with signs of hope for human rights being undermined through “deception and failed promises” of “arrogant” governments. Amnesty International issues annual reports on the development of human rights issues, with detailed reports on the situation in every individual country.

At the launch of its 2006 International Report, the Secretary General for Amnesty International (AI), Irene Khan, said that a number of governments have “paralyzed international institutions and squandered public resources in pursuit of narrow security interests, sacrificed principles in the name of the ‘war on terror’ and turned a blind eye to massive human rights violations. As a result, the world has paid a heavy price, in terms of erosion of fundamental principles and in the enormous damage done to the lives and livelihoods of ordinary people”.

According to the release report, Iraq sank into a “vortex of sectarian violence in 2005.” Secretary General Khan warned: “When the powerful are too arrogant to review and reassess their strategies, the heaviest price is paid by the poor and powerless – in this case, ordinary Iraqi women, men and children.” A 2004 Lancet study estimates that 100,000 excess deaths have occurred with roughly three times as many injured since the US-led invasion in 2003.

Continuing her criticism of international bodies, Ms Khan stated that “Intermittent attention and feeble action by the United Nations and the African Union fell pathetically short of what was needed in Darfur,” referring to the conflict that a number of reports estimate has killed over 300,000 people.

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