The Dangers Of Defaulted Student Loans

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By Trevor Marshall

Along with the honor of earning a college degree comes the need to pay for it all after graduation. Some students are lucky and have parents to pay for college, while others work hard and earn scholarships. If you have to pay for college yourself, you will have huge student loans to work off after you leave. The problem with student loans is that most students don’t understand what they are getting into once they graduate. There are deferments and forbearance you can apply for if funds are low. These will give you a grace period before you have to begin paying off your loans. While these can help when money is tight, the interest continues to build up. In some cases, when payments are missed, students end up facing defaulted student loans.

When this happens, you can kiss your credit rating goodbye. Defaulted student loans that show up on your credit report may stop any bank or other lending institution from extending a loan to you for a home, or for any other reason you may need to borrow money. If you don’t get these loans fixed and up to date, they will follow you around forever. Even worse, there are some companies that will buy defaulted student loans, and they will be very persistent in trying to get you to pay up. They buy the loan as a risk, hoping to make a profit from your misfortune, or your inability to handle money. These people are as diligent as bill collectors, and won’t leave you much peace.

[youtube]http://www.youtube.com/watch?v=2_HpkdRxyuw[/youtube]

To avoid defaulted student loans, keep in touch with your loan company or companies, and let them know what is going on. They may find ways to help lower your payments, or help you get a deferment so you have a little breathing room. They really don’t want you to default, and will help you stay on track if at all possible. Chances are, your interest rate on your loans is very high. In the end, you may end up paying more for the interest than the actual loan. This is why when you end up with defaulted student loans, you may be shocked to see the amount you owe has doubled since you first took out the loans for your education.

Take every step possible to avoid defaulted student loans. You don’t want them marring your credit, and making it hard for you to get a loan for the many times in life when you need one. Not only will you have a hard time getting a home loan, you may not get a loan for a new car, or an emergency that may pop up.

About the Author: For more great information on federal student consolidation loans, and cash advance loans, visit Student-Debt-Advice.com

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Recalled pet food found to contain rat poison

Friday, March 23, 2007

In a press release earlier today, New York State Agriculture Commissioner Patrick Hooker, along with Dean of Cornell University’s College of Veterinary Medicine Donald F. Smith, confirmed that scientists at the New York State Food Laboratory identified Aminopterin as a toxin present in cat food samples from Menu Foods.

Menu Foods is the manufacturer of several brands of cat and dog food subject to a March 16, 2007 recall.

Aminopterin is a drug used in chemotherapy for its immunosuppressive properties and, in some areas outside the US, as a rat poison. Earlier reports stated that wheat gluten was a factor being investigated, and officials now state that the toxin would have come from Chinese wheat used in the pet food, where it is used for pest control. Investigators will not say that this is the only contaminant found in the recalled food, but knowing the identity of the toxin should assist veterinarians treating affected animals.

The Food Laboratory tested samples of cat food received from a toxicologist at the New York State Animal Health Diagnostic Center at Cornell University. The samples were found to contain the rodenticide at levels of at least 40 parts per million.

Commissioner Hooker stated, “We are pleased that the expertise of our New York State Food Laboratory was able to contribute to identifying the agent that caused numerous illnesses and deaths in dogs and cats across the nation.”

The press release suggests Aminopterin, a derivative of folic acid, can cause cancer and birth defects in humans and can cause kidney damage in dogs and cats. Aminopterin is not permitted for use in the United States.

The New York State Food Laboratory is part of the Federal Food Emergency Response Network (FERN) and as such, is capable of running a number of unique poison/toxin tests on food, including the test that identified Aminopterin.

Top Reasons You Should Consider Hiring Maid Services In Brooklyn

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If you find that your house isn’t as clean as it used to be due to being constantly on the go, you might have considered hiring maid services in Brooklyn to help you with the cleaning. However, like most Americans, you feel that having someone else clean your home makes you lazy and have put it off. With that being said, read on below for a few of the reasons it’s okay to hire a house cleaning service to keep your home spotless for you.

If You Work Full-Time

Face it; it’s hard enough to keep a house spotless if you are home all of the time. If you work from 9 to 5, five or six days a week, it’s nearly impossible. Not only does using your limited time off to clean your house sap your energy, but it also limits the amount of time you get to spend with your family. If you hire a service to come in a few days a week even, you’ll find you have more energy for the things that matter in life like your husband and children.

Your Family Life is Busy

When you spend most of your time cleaning, cooking, and taking care of your kids, it’s hard to find the energy for date nights or trips to the amusement park. If you try to do all of it, then you are going to burn quickly out, and it can even affect your health in a negative way. Coming home to a clean house after a trip out with the family can put you in a good mood and give your health a boost as well.

These are just a couple of the reasons you should consider hiring eMaids to take care of your cleaning needs. Call them today; they are standing by to serve you!

Fur fans flock to Toronto’s Furnal Equinox 2019

Monday, March 25, 2019

From March 15 to 17, the Canadian city of Toronto played host to the tenth Furnal Equinox, an annual event dedicated to the “furry fandom.” Wikinews attended. Programming ranged from music to gender, science to art, covering dozens of aspects of the varied subculture. The event’s featured guests were visual artists Moth Monarch and Cat-Monk Shiro, as well as the co-owners of US fursuit costume builders Don’t Hug Cacti.

The event raised nearly CDN$11,000 for Pet Patrol, a non-profit rescue organization in Kitchener-Waterloo, Ontario, run by volunteers. This exceeded their goal of $10,000, the funds needed to finish a rural sanctuary. The furry community is well-known for their charitable efforts. Along with direct donations, the funds were raised through a charity auction offering original artwork, and a fursuit design by guests of honour “Don’t Hug Cacti.” Last year, Furnal Equinox raised funds for a farm animal sanctuary.

While only 10–15% of people within the fandom own a fursuit according to a 2011 study, event organizers reported this year 908 of the 2240 attendees at Furnal Equinox brought at least one elaborate outfit to the event. The outfits are usually based on original characters, known as “fursonas”.

Guests of Honour Cherie and Sean O’Donnell, known within the community as “Lucky and Skuff Coyote”, held a session on fursuit construction on Saturday afternoon. The married couple are among the most prominent builders in the fandom, under the name Don’t Hug Cacti. The scale of their business was evident, as Sean had made over a thousand pairs of “handpaws”, costume gloves.

The couple encouraged attendees to continue developing their technique, sharing that all professional fursuit makers had developed different techniques. They felt that they learned more from failed projects than successful ones, citing the Chuck Jones quote that “every artist has thousands of bad drawings,” and that you have to work through them to achieve. Cherie, known as Lucky, recalled receiving a Sylvester the Cat plush toy from a Six Flags theme park at age 10. She promptly hollowed the toy out, turning it into a costume. Creating a costume isn’t without its hazards: the company uses 450°F (232°C) glue guns. They’re “like sticking your hand in an oven.”

Other programming included improv comedy, dances, life drawing of fursuiters, a review of scientific research by a research group at four universities called FurScience, a pin collector’s social, and workshops in writing.

The “Dealer’s Den” hall was expanded this year, with even more retailers and artists. While many offered “furry” versions of traditional products, at least one business focused on “pushing the boundaries of fursuit technology.” Along with 3D printing a bone-shaped name tag when Wikinews visited, Grivik was demonstrating miniature computer screens that could be used as “eyes” for a fursuit. The electronic displays projected an animation of eyes looking around, blinking occasionally. The maker has also developed “a way to install a camera inside suit heads, to improve fursuiter visibility.” He hopes the tech would reduce suiting risks and accidents. Without the need for eyeholes, fursuit makers would have “more options for building different eyestyles.”

UN endorses Israel-Palestinian war crimes report

Friday, November 6, 2009

After two days of debate, the United Nations General Assembly has overwhelmingly endorsed a report from the Human Rights Council calling for domestic investigations into alleged war crimes committed by both Israel’s military and Palestinian armed forces during the Gaza conflict that began last December.

The controversial report concluded that Israel used disproportionate force in the war, deliberately targeted Gaza civilians, used them as human shields, and destroyed civilian infrastructure. One of the 31 chapters of the report discussed crimes by Hamas for firing rockets into Israeli towns.

The final vote was 114 in favor, 18 against and 44 abstentions. Strong support came from the Arab and non-aligned countries, many of whom co-sponsored the draft resolution.

Palestinian Ambassador Riyad Mansour welcomed the vote, saying the implementation of Justice Richard Goldstone’s report will now begin in stages.

Ali Treki, the General Assembly president, called the vote “an important declaration against impunity. It is a call for justice and accountability”. Without justice, there can be no progress towards peace. A human being should be treated as a human being, regardless of his or her religion, race or nationality,” he said.

“In three months we will come back to General Assembly to consider the report of the Secretary-General for further action, including in all parts of the United Nations, including in the Security Council,” said Riyad Mansour, a Palestinian-American diplomat.

The non-binding resolution requests the secretary-general report to the General Assembly within three months on the implementation of the resolution, with a view to considering further action, if necessary.

Israel’s deputy ambassador to the UN, Daniel Cameron said that the resolution, “endorses and legitimizes a deeply flawed, one-sided and prejudiced report of the discredited Human Rights Council and its politicised work that bends both fact and law”.

“In three months we will come back to General Assembly to consider the report of the Secretary-General for further action,

Of the countries abstaining or voting no, several said that although they agreed with the essence of the resolution – that the parties should conduct their own independent, credible investigations into alleged violations as called for in the Goldstone report – they could not vote in favor because they had difficulty with two specific items in the resolution.

Another point of some contention is that the resolution leaves the door open for future action in the UN Security Council. The Palestinians have made clear they plan to pursue that option, but most of the council’s five permanent members opposed the idea, saying the right forum for the Goldstone report is in the Human Rights Council in Geneva, where it started.

The United States was the only permanent Security Council member to vote against the resolution. Deputy Ambassador Alejandro Wolff said that although it opposed the resolution, the US strongly supported accountability for human rights and humanitarian law violations relating to the Gaza conflict.

“We believe that the Goldstone report is deeply flawed-including its unbalanced focus on Israel, its sweeping conclusions of law, the excessively negative inferences it draws about Israel’s intentions and actions, its failure to deal adequately with the asymmetrical nature of the Gaza conflict, its failure to assign appropriate responsibility to Hamas for its decision to base itself and its operations in heavily civilian-populated urban areas, and its many overreaching recommendations,” said Alejandro Wolff.

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Israel, which did not cooperate with the Goldstone commission, voted against the resolution, saying that it legitimised a “deeply flawed, one-sided” report, and disregarded Israel’s right to defend its citizens.

“The results of the vote and the large number of member states who voted against or abstained, demonstrate clearly that the resolution does not have the support of the ‘moral majority’ of UN members,” read a statement on the website of Israel’s ministry of foreign affairs. “Israel rejects the resolution of the UN General Assembly, which is completely detached from realities on the ground.”

During the three-week-long Israeli military incursion into the Gaza Strip, at least 1,400 Palestinians died according to Palestinians and human rights groups, although Israel says 1,166, and 13 Israelis also died. The Goldstone Commission criticized both sides for violations of international humanitarian law.

Influential rock drummer Ginger Baker dies at age 80

Monday, October 7, 2019

Yesterday morning, English drummer Ginger Baker died in a hospital at the age of 80. The news came from the Twitter account in his name and was independently confirmed by Associated Press with his daughter Nettie Baker. On September 25, it was reported Baker was hospitalized in critical condition. Baker was widely known as the drummer and co-founder of the rock band Cream, an early supergroup.

Baker, a life-long smoker and former heroin addict, suffered from health problems for years. The list of ailments included hearing loss, osteoarthritis, emphysema and chronic obstructive pulmonary disease, as well as heart problems for which he had surgery in 2016. Although known to have lived his latter years in South Africa, his daughter said he died in Britain without elaborating.

Ginger Baker was born Peter Edward Baker in Lewisham, London, in 1939. His father was killed in combat in 1943 during World War II. Baker — who was reportedly nicknamed Ginger due to his red hair — began playing drums in his teens. In a story he sometimes told, he had a habit of tapping on school desks. When an opportunity arose at a party, his classmates encouraged him to sit down at a drum set. “I’d never sat behind a kit before, but I sat down — and I could play! One of the musicians turned round and said, ‘Bloody hell, we’ve got a drummer’, and I thought, ‘Bloody hell, I’m a drummer’?”, he recalled in a 2009 retelling of the story to the The Independent.

Baker began his career as a drummer in jazz bands. He played with Acker Bilk and Terry Lightfoot. In 1962, when fellow drummer Charlie Watts was leaving Blues Incorporated for The Rolling Stones, Watts recommended Baker to be his replacement. Later, Baker found early success with rhythm and blues band The Graham Bond Organisation where he met bassist Jack Bruce.

In 1966, Baker, Bruce and singer/guitarist Eric Clapton, who was known from The Yardbirds, formed Cream. The rock trio was a massive success, selling tens of millions of records, including the first ever platinum certified album Wheels of Fire. Cream recorded four albums, then in 1968 disbanded with Baker and Bruce having developed a volatile relationship. Clapton and Baker were subsequently in another supergroup Blind Faith with Steve Winwood and Ric Grech. Blind Faith recorded only one studio album but notably played before a crowd of a hundred thousand at a free concert in London’s Hyde Park.

In the 1970s, Baker moved to Nigeria where he established a studio and began playing polo. Here he collaborated with Fela Kuti and worked on Wings’s album Band on the Run with Paul McCartney of The Beatles fame. Later, he recorded with John Lydon’s Public Image Ltd.

Cream was inducted in 1993 into the Rock and Roll Hall of Fame. The band reunited in 2005 for several London and New York concerts. Afterwards he moved to South Africa, and still lived there when the 2012 documentary Beware of Mr. Baker was filmed. Baker’s last recording was 2014’s Why? solo album. Baker retired from live performances in 2016 due to his ill health.

Paul McCartney wrote on Twitter, “Ginger Baker, great drummer, wild and lovely guy. We worked together on the ‘Band on the Run’ album in his ARC Studio, Lagos, Nigeria. Sad to hear that he died but the memories never will.”

“A very sad loss, and my condolences to his family and friends. A loss also for his contribution to music. He was well-grounded in jazz from very early on,” wrote Steve Winwood in a statement. “Beneath his somewhat abrasive exterior, there was a very sensitive human being with a heart of gold. He’ll be missed.”

Mick Jagger of The Rolling Stones also reacted on Twitter, “Sad news hearing that Ginger Baker has died, I remember playing with him very early on in Alexis Korner’s Blues Incorporated. He was a fiery but extremely talented and innovative drummer.”

The Truth About No Money Down Car Insurance

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By Jim Bassett

If your budget is too tight, you might want to consider no money down car insurance. The present situation of our economy has left us with just enough money to sustain our needs. Most people nowadays even have difficulty paying for full coverage insurance. But since car insurance is a need and is required by almost all states in the US, not having it isn’t an option. This usually means getting a huge part of your salary to pay for the minimum deposit required by your chosen company. But if you look around, you might just find a few companies who offer no down payment insurance.

You might be thinking, is that even possible? Well, it is. Let us try to understand the process better. These insurance companies make your payments lighter by offering a monthly payment plan. You are free from any deposit amount but you need to pay your premium in certain amounts and in different stages. Usually this happens as a monthly payment which comes from your premium divided by twelve monthly installments.

This monthly installment plan is best for people who can’t seem to come up with the amount needed for most initial deposits. But beware: you might think you are paying less, but the real truth is that you are actually paying more.

[youtube]http://www.youtube.com/watch?v=ZsVnV1Kx7ec[/youtube]

Confused? Let us explain further. With monthly installment plans, your insurance fees may seem lighter, since there is no initial deposit and you are paying your premium in small amounts per month. But most companies charge extra fees for people who want monthly installment.

Before signing up for anything, you need to be certain of a few things. Insurance companies have certain tricks up their sleeve to keep them earning. After all, it still is business, and they need to make money. Be aware of certain fees that they will charge on the beginning of a plan. They may not call it an initial deposit, but they might be hiding it under some other term.

Are you ready for the next step in finding insurance with no down payment? The next thing you need to know is where to find these companies. The easiest way to do this is through the Internet. Don’t be surprised if you don’t get to find a lot of companies who offer this kind of insurance plan. With a little patience, you might just find what you are looking for.

Now that you know that auto insurance without down payments is real, you have to determine what qualities of an insurance coverage and insurance company will best fit your needs. If you find yourself lucky and you are able to look for a company that offers monthly installments, be sure to read all the terms and conditions before signing up for it. Again, it has to be emphasized that companies usually have a few tricks in mind, and they are usually written in tiny letters.

It doesn’t matter if you have a bad credit score, unsatisfactory driving records, or an old wrecked car. All you need is the Internet to search for no money down car insurance to make your monthly bills lighter on the pocket.

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The Raveonettes on love, death, desire and war

Tuesday, October 16, 2007

“We’re only two days in and we’re already fucking tired,” says Sune Rose Wagner to David Shankbone as he walks into the dressing room at the Bowery Ballroom. Wagner and Sharin Foo comprise the Raveonettes, a group made for “nostalgists who long for Everly Brothers 45’s and diner jukeboxes, the Raveonettes tweak “American Graffiti”-era rock with fuzzed-out surf-guitar riffs,” said The New York Times. They recently left Columbia and signed with Fierce Panda because they felt constrained by their Columbia contract: “The major label system sometimes doesn’t allow for outside “help” to get involved, meaning that we don’t get to choose who we wanna work with. That can be a pretty terrible thing and bad things will surely come of it,” said the band on their MySpace site. Originally from Denmark, both musicians live in the United States now.

Their first EP, Chain Gang of Love, was a critical and commercial success. “Few albums provoke such amazing imagery,” said the BBC. “Pretty in Black is virtually fuzz-free,” said Rolling Stone of their next album, “highlighting the exquisite detail in the Raveonettes’ gift for pastiche: the prowling, garage-surf guitars in Love in a Trashcan; the ghost dance of Red Tan, wrapped in Phil Spector-style sleigh bells.” Of their current album, Lust Lust Lust, set to be released on November 5th (although Amazon says March 4, 2008), Sune told NME that, “There are a lot of songs that deal with desire, restlessness and the tough choices you have to make sometimes.” Fans can hear some of the new material at MySpace.com/TheRaveonettes.

Below is Wikinews reporter David Shankbone’s interview with Sune Rose Wagner and Sharin Foo.


Contents

  • 1 On influences
  • 2 On America
  • 3 On death
  • 4 On war
  • 5 On love
  • 6 On themselves
  • 7 On touring
  • 8 On metaphysics
  • 9 Sources

Britain loses AAA credit rating due to poor economic growth and continued austerity

Monday, February 25, 2013

The US-based credit rating agency Moody’s Investors Service announced on Saturday their decision to downgrade their rating of the United Kingdom economy from AAA to AA1 – stating that lack of economic growth and austerity continuing into 2016 are to blame.

Moody’s Investors Service said in a statement: “The main driver underpinning Moody’s decision to downgrade the UK’s Government bond rating to AA1 is the increasing clarity that, despite considerable structural economic strengths, the UK’s economic growth will remain sluggish over the next few years due to the anticipated slow growth of the global economy and the drag on the UK economy from the ongoing domestic public- and private-sector deleveraging process”.

George Osborne, the Chancellor of the Exchequer, said that the move to lower the credit rating was a “stark reminder” of the debt problems that the country is facing and that the government is planning to stick to it’s original deficit reduction plan. He went on to say “Far from weakening our resolve to deliver our economic recovery plan, this decision redoubles it”.

The British economy shrank by 0.3% in the final quarter of 2012 and output remained flat throughout last year – the economy would have to grow in the first quarter of 2013 in order to avoid a recession. The Organisation for Economic Co-operation and Development warned George Osborne last month that he should slow down the rate of his deficit reduction and austerity programme if Britain entered a triple-dip recession.

The Labour Party has said that the government must reduce the number of spending cuts and focus on growth. Ed Balls, the Shadow Chancellor of the Exchequer, said: “This credit rating downgrade is a humiliating blow to a Prime Minister and Chancellor who said keeping our AAA rating was the test of their economic and political credibility.”

UK company “seriously considering” GPS tracking devices in school uniforms

Saturday, August 25, 2007

The leading supplier of school uniforms in the United Kingdom, Lancashire-based manufacturer Trutex, has announced it is “seriously considering” including GPS tracking devices in future ranges of its uniform products after conducting an online survey of both parents and children.

“As a direct result of the survey, we are now seriously considering incorporating a [tracking] device into future ranges” said Trutex marketing director Clare Rix.

The survey questioned 809 parents and 444 children aged nine to 16. It showed that 44% of parents were worried about the safety of pre-teen children, and 59% wanted tracking devices installed in school apparel. 39% of children aged nine to 12 were prepared to wear clothing with tracking devices in them, while teenagers were notably less enthusiastic and more wary of what Trutex has admitted they see as a “big brother” concept.

However, Trutex has claimed the tracking devices would bring about worthwhile benefits, including being a valuable resource for parents who wanted to keep a close eye on where their children were at all times.

“As well as being a safety net for parents, there could be real benefits for schools who could keep a closer track on the whereabouts of their pupils, potentially reducing truancy levels” says Rix.

Each year, Trutex supplies 1 million blouses, 1.1 million shirts, 250,000 pairs of trousers, 20,000 blazers, 60,000 skirts and 110,000 pieces of knitwear to the UK.

It is not the first company to manufacture school uniforms with a central focus on child safety; last week Essex firm BladeRunner revealed it was selling stab-proof school blazers to parents concerned about violence against their children. The blazers were outfitted with Kevlar, a synthetic fibre used in body armour. It has already received orders internationally, including Australia.

If the Trutex tracking devices go ahead, it is unclear where in the uniform they will be located.