Mortgage Rates Something Better Than Shopping For Rates

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By Gregory Van Duyse

Is it possible? Something better than getting the best mortgage rates! Yes. I know its surprising and that it goes against what everyone says but it is true and

I can prove it.

First lets define what we mean by the best rates and the financial value that we can attach to shopping for the best rates. The best rate is the best mortgage rate available for you by any lender.

The advent of super mortgage brokers and the Internet has forced the mortgage industry to become very competitive. Each lender has his best rate and most of the time its within 0.06% of the rates of major banks. Shopping with a mortgage broker makes this easy.

The financial impact of getting a better rate of 0.06% on a 100,000$ mortgage is 1028$ over 25 years or 41.12$ per year. That is not what I call super savings!

Something better than the Best Rate

[youtube]http://www.youtube.com/watch?v=v6ObdN6mhoc[/youtube]

Dr. Milevsky at York University (Toronto, Canada) published a stunning report. He compared two mortgage strategies between 1950 and the year 2000 and found that:

88% of the time one strategy was better (money saved)

the average savings was 22,000$ on a 100,000$ mortgage amortized over 15 years.

Now were talking. Saving 22,000$ in 15 years, thats 1466.66$ per year. Its not hard to see that choosing the right mortgage strategy is a LOT more important than simply shopping for a better rate.

The real conclusion of the study is not that one mortgage strategy is always better. Its not! The lesson is that choosing a strategy is very important.

[Note: the conclusion of this study is applicable for Canadians and Americans. The interest rates during 1950 and 2000 are very similar and the different strategies are available in both countries.]

What should you do?

Selecting the best mortgage strategy is not as simple as calling around for the best rate. You need to:

analyse your situation and your long term objectives

analyse the current interest rates and where they are likely to go in the next 10 to 15 years.

choose the best strategies based on that information

I suggest that you take the time to find a mortgage broker that does more than shop the mortgage rates for you, but a broker that will take the time to set up a plan to save you money over the entire life of your mortgage. Once you have found a good broker, ask him to present you with 3-4 strategies and his recommendations.

It could save you a lot of money.

About the Author: Gregory van Duyse, AMP is an Accredited Mortgage Professional in Canada and has written a series of articles on choosing the best

mortgage strategies (hypothque)

. Visit:

informezvous.com

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Magnitude 7.7 earthquake strikes Antofagasta, Chile

Thursday, November 15, 2007

Authorities in Chile say at least two people have been killed and more than 100 injured after a powerful earthquake struck in the north, sending terrified residents into the streets and cutting power to some of the country’s copper mines. According to the United States Geological Survey (USGS), the quake struck on Wednesday, November 14, 2007 at 15:40:53 UTC.

Officials said two women were killed Wednesday when their houses in the town of Tocopilla collapsed during the 7.7 magnitude earthquake. They also said another person may have died in a tunnel collapse there, which has trapped some 50 workers.

Government spokesperson Ricardo Lagos said “They will be evacuated by the Navy via the ocean. As far as we know there are no injured or dead [among the workers].”

The USGS said the quake was centered west of the town of Calama. It was felt as far away as the Chilean capital, Santiago, and neighboring Peru and Bolivia.

Television images showed cars crushed under the concrete awning of a hotel in Antofagasta, 170 kilometers south of the epicenter.

The police chief of Arequipa, Hernan Tamayo said, “People ran out into the streets because of how prolonged the quake was. There was a lot of alarm but no material or human damage.”

The quake was followed by six aftershocks with magnitudes of up to 5.7. Additionally, the quake triggered a tsunami warning which was later lifted.

In Tocopilla, 115 people were injured. Mayor Luis Moyano said about 1,200 houses had been flattened. “Today, the people of Tocopilla are going to have to sleep in the streets,” he said in a radio address.

In total, 3,000 homes have been destroyed in Chile, according to the Housing Minister. The government has airlifted hundreds of portable homes to provide shelter.

In August, an 8.0 magnitude earthquake struck Peru, killing about 540 people and injuring more than 1,000 others. The southern port city of Pisco was one of the areas devastated by the powerful quake, which lasted two minutes.


This article is based on Powerful Earthquake Strikes Northern Chile by VOA News which has a copyright policy compatible with our CC-BY 2.5. Specifically “Copyright status of work by the U.S. government

Retrieved from “https://en.wikinews.org/w/index.php?title=Magnitude_7.7_earthquake_strikes_Antofagasta,_Chile&oldid=666016”

Edmund White on writing, incest, life and Larry Kramer

Thursday, November 8, 2007

What you are about to read is an American life as lived by renowned author Edmund White. His life has been a crossroads, the fulcrum of high-brow Classicism and low-brow Brett Easton Ellisism. It is not for the faint. He has been the toast of the literary elite in New York, London and Paris, befriending artistic luminaries such as Salman Rushdie and Sir Ian McKellen while writing about a family where he was jealous his sister was having sex with his father as he fought off his mother’s amorous pursuit.

The fact is, Edmund White exists. His life exists. To the casual reader, they may find it disquieting that someone like his father existed in 1950’s America and that White’s work is the progeny of his intimate effort to understand his own experience.

Wikinews reporter David Shankbone understood that an interview with Edmund White, who is professor of creative writing at Princeton University, who wrote the seminal biography of Jean Genet, and who no longer can keep track of how many sex partners he has encountered, meant nothing would be off limits. Nothing was. Late in the interview they were joined by his partner Michael Caroll, who discussed White’s enduring feud with influential writer and activist Larry Kramer.

Retrieved from “https://en.wikinews.org/w/index.php?title=Edmund_White_on_writing,_incest,_life_and_Larry_Kramer&oldid=4520289”

Slick As Oil : The Truth About Gary Young}

Slick as Oil : The Truth about Gary Young

by

lisa martin

The Founder and former CEO of Young Living Essential Oils has a frankly shocking past. Here are the critical facts to know:

Gary Young Claims to have Cured his own Paralysis with Essential Oils

Gary Young has repeatedly claimed that he was left paralyzed for life by a logging injury to the head. According to an account on his website, After three weeks in a coma and four months in intensive care, Gary found himself paralyzed and confined to a wheelchair for life, according to the doctors prognoses. It is remarkable considering his extended ICU treatment that no documentation of the critical injury has ever been found or provided. More suspicious still, Gary Youngs story has changed”significantly. Gary Young boasts that he cured himself with fasting and essential oils. But a brochure from 1987 solely attributed his recovery to Oscillation Frequency Stimulation Infusion without even mentioning essential oils. Hmm.

Gary Young is NOT a Licensed Naturopathic Doctor

Gary Young claims to be a N.D. but his degree is merely a piece of paper purchased from Bernadean University”a notorious diploma mill. Gary Young has also claimed that he graduated from the American Institute of Phystoregenerology, but the Institute has reported that he never came close to graduating (he attended only a few classes, completed only a third of the homework, and owed $1,800 in tuition). Ultimately, Gary Young was forced to admit that he never secured a diploma from the institute and that his brochure simply had a typographical error. His only legitimate diploma is from Challis High School.

Gary Young has never been licensed to practice naturopathy in Utah or any other location. Shockingly, he has been arrested multiple times in California and Washington for practicing medicine without a license.

Gary Young is Responsible for the Death of his own Infant

Although Gary Young lacked any training in medicine, obstetrics, or midwifery, he insisted on delivering his first wifes baby in a hottub. He left the baby under water for an hour! The otherwise normal and healthy infant drowned. Although the coroner said that the baby would have lived if she had been delivered in a conventional manner, Young was never charged in that case.

His plans for a similar whirlpool delivery the previous year had been thwarted when a health department caseworker threatened to prosecute him. In 1983, an undercover police officer asked Young if he would oversee a water birth for her. He declined, but offered prenatal care and cancer treatment for the woman’s mother. Young was then arrested by Washington State police for practicing medicine without a license, for which he was convicted.

Gary Young Operated a Cancer Treatment Clinic in Tijuana

Gary Young claimed that a three-week stay in his Rosarita Beach Clinic and $6,000 would bring a cancer patient into remission. A cancer cure could be effected for $10,000. A scathing undercover report by the L.A. Times exposed the clinic as a complete fraud. It is also worth noting that one of the clinic treatments was laetrile”which can be fatal due to forming cyanide in the body. This practice is strictly illegal.

Gary Young was Arrested for Assaulting Multiple Family Members with an Axe

Gary Young was arrested on January 10, 1994, in Spokane, Washington, for assaulting several family members with an axe. It is remarkable that he claims to be an enlightened and spiritual man.

Article Source:

eArticlesOnline.com}

Hugo Chávez sets new time zone for Venezuela

Monday, December 10, 2007

Hugo Chávez, the President of Venezuela has set a new time zone for his country. The new time zone, which is UTC-4:30, is half an hour earlier than the old time. This time zone is unique and does not match any of those used by Venzuela’s neighbors.

This morning, Venezuelans began the work week for the first time under the new time zone, which Chávez announced for the first time in a decree on November 27. According to Chávez, the new time zone would allow school children to wake up with the sun and it would prevent many poor citizens from having to commute before dawn.

“These children have to get up at five in the morning… they arrive at school dead tired,” said Chávez. “And why? Because of our time.” He added, “This affects even the biological functioning of the body. It’s scientifically proven.”

Hector Navarro, the Minister of Science and Technology, agreed that health and productivity would improve as a result. “The human brain is conditioned by the light of the sun,” he said.

“The only thing this will do is inject yet more chaos into our lives,” said John Marulanda, a young executive, to The Daily Telegraph. “This president believes in change for change’s sake.”

The president of Venezuela’s airline association and the head of Copa Airlines in Venezuela, Roberto Pulido, told Bloomberg: “The time change is going to affect many flights, and lots of airlines still haven’t changed their timetables. This is an additional cost, because we’ve had to update all of our reservation systems.”

“I don’t really understand the point, but nothing with this president surprises me,” said Dr. Rafael Sucre to Bloomberg as he exited a subway during his morning commute. “It’s a political whim,” thought Yanitza Lopez, who works as an accountant for a cosmetics company in Caracas. “It’s not going to make any difference for any kids.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Hugo_Chávez_sets_new_time_zone_for_Venezuela&oldid=724493”

National Hockey League news: February 24, 2008

Sunday, February 24, 2008

There were 11 games played in the National Hockey League on February 23, 2008.

Retrieved from “https://en.wikinews.org/w/index.php?title=National_Hockey_League_news:_February_24,_2008&oldid=4576341”

Cargo ship Arctic Sea may be found

Saturday, August 15, 2009

A cargo ship spotted off the African island nation of Cape Verde could be the missing MV Arctic Sea.

The Maltese flagged MV Arctic Sea disappeared off the French coast sometime after July 29. Owned by the Russian Arctic Sea company she was operated by the Finnish Solchart Management company and had a Russian crew.

French intelligence sources have found a ship matching the Arctic Sea’s description about 400 Nautical miles north of São Vicente.

The Arctic Sea was on a scheduled route from the Finnish seaport of Pietarsaari to the Algerian seaport of Béjaïa with a cargo of timber when it was boarded in Swedish waters between the islands Öland and Gotland on the night of July 24. The alleged boarders left the ship the same day according to its crew and the ship continued her voyage although it would have been expected to anchor at the nearest port.

The last official contact with the ship was with the Maritime and Coastguard Agency in Britain on July 28. Viktor Matveyev, the director of Solchart Management says the ship radioed that it was off the coast of Portugal on July 31. The 98-meter-long ship has so far not reached the Straits of Gibraltar and is now being sought by the Portuguese Navy and Russian Navy.

If proven this could be the first case of piracy in Europe in the modern era. There is speculation as to the reason for the ship’s hijacking, as its cargo of wood, valued at 1.3 million euros, is not especially valuable. Suggestions include possible contraband, and the possibility of a commercial dispute between the crew or some other party and the ship’s owners.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cargo_ship_Arctic_Sea_may_be_found&oldid=4580290”

Mind Over Body: How To Get Winning Motivation To Lose Weight

Mind Over Body: How To Get Winning Motivation To Lose Weight

by

Jessie Garfield

Defeat is not an option. When it comes to your weight, those extra pounds can mean the difference between merely sluggish days and poor health. Losing weight isn\’t just about coming down a dress size or two. It is, more importantly, about living the quality of life you are meant to live: healthy and happy. But the tempting appeal of a sedentary lifestyle combined with the seeming lack of time can defeat efforts in dieting and exercise. How do you fight the things that work against your health and fitness regimen?

Find the winning motivation to lose weight. This means building up the proper mindset to build up your drive, your energy to push on with your workout routine and diet — no matter the odds. You may think that spending time at the gym is boring. Maybe you don\’t consider fitness routines your priority since you\’re on a fast track to a promotion at work, and you would rather fine-tune a presentation than fine-tune your health. Maybe you have given up on diets because none of the ones you have tried seem to deliver the results you want. Whatever is holding you back from losing the extra weight, it is time to begin with your mind before you work on your body.

[youtube]http://www.youtube.com/watch?v=pUP2jwHWR7M[/youtube]

The way to do that is to arm yourself with information. First, determine exactly what being your ideal weight and health will give you? What it will mean to you and to your ideal life with those you love. Next determine what price you are willing to pay for success? What actions do you need to take on a daily basis. If you\’re a goal-oriented worker, small daily reference points for success can be more motivating than focusing on the scales.

Consider getting professional help with weight loss through programs that work around your individual schedule and focus on education, accountability and support. Weight loss programs that enable you to recognise emotions and habits that sabotage your efforts towards health and fitness will deliver the best results.

Lastly, list the activities you love. If you\’re not into the gym, then find a physical activity you enjoy and integrate that with your weight loss regimen. It could be dancing, mountain biking, surfing or rock climbing. The good regime you can stick to always beats the perfect regime you give up on. You\’ll not only gain energy and drive to propel you through your weight loss routine but you\’ll also build confidence in your ability to stick with it and perhaps lose weight in a month.

What means to you and to your ideal life with those you cherish. Figure out what price you are happy to pay for good results to your program. To get more info

just click here

.

Article Source:

ArticleRich.com

Wikinews discusses DRM and DMCA with Richard Stallman after GitHub re-enables public access to youtube-dl

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

Tuesday, November 17, 2020

On November 16, code-sharing and hosting service GitHub re-enabled the public access to youtube-dl repository, a software which can download videos from the internet via the command-line. This move comes after Mitchell Stoltz, a Senior Staff Attorney of the Electronic Frontier Foundation (EFF), sent a letter to GitHub on the behalf of youtube-dl’s maintainers. The repository was previously blocked on October 23, after GitHub received a Digital Millennium Copyright Act (DMCA) take-down notice from the Recording Industry Association of America (RIAA).

Started in July 2008, youtube-dl is a free/libré open source software written in Python which can download videos from various websites. Citing alleged violation of 17 U.S. Code § 1201 Circumvention of copyright protection systems, RIAA’s takedown notice had alleged youtube-dl was intended to circumvent the technological protection measures of streaming services and to redistribute music videos without authorisation. youtube-dl’s source code had a number of unit tests to check if the software works in different circumstances or not. Some of the test cases included URLs of some copyrighted songs.

In the letter to GitHub, EFF’s attorney Stoltz said “This file contains series of automated tests that verify the functionality of youtube-dl for streaming various types of video. The youtube-dl source code does not, of course, contain copies of these songs or any others […] the unit tests do not cause a permanent download or distribution of the songs they reference; they merely stream a few seconds of each song to verify the operation of youtube-dl. Streaming a small portion of a song in a non-permanent fashion to test the operation of an independently created software program is a fair use.” The letter stressed “youtube-dl does not decrypt video streams that are encrypted with commercial DRM technologies”.

The URLs to copyrighted songs were removed from the source code on November 16, and replaced with a test video that uploaded on YouTube by Philipp Hagemeister, former maintainer of youtube-dl. Philipp Hagemeister had previously spoken about the takedown with Wikinews.

youtube-dl comes with a small JavaScript interpreter where it acts as a web-browser would behave while receiving video data from the server. The script has “extractors” for various websites to handle videos from different sources. “Any software capable of running JavaScript code can derive the URL of the video stream and access the stream, regardless of whether the software has been approved by YouTube”, the letter read. It borrowed an analogy of Doors of Durin from J. R. R. Tolkien’s Lord of the Rings for explanation: travelers come upon a door that has writing in a foreign language. When translated, the writing says “say ‘friend’ and enter.” The travelers say “friend” and the door opens. As with the writing on that door, YouTube presents instructions on accessing video streams to everyone who comes asking for it.

Hours after the public access was restored, Sergey M, one of the maintainers of youtube-dl wrote on GitHub, “We would like to thank @github for standing up for youtube-dl and making it possible to continue development without dropping any features. We appreciate [GitHub] for taking potential legal risks in this regard. We would also like to thank [EFF] and personally [Mitch Stoltz] for invaluable legal help. We would also like to heartily thank our main website hoster Uberspace who is currently being sued in Germany for hosting our essentially business card website and who have already spent thousands of Euros in their legal defense.”

Hours after GitHub restored the public access to the repository, Stoltz tweeted “I think of youtube-dl as a successor to the videocassette recorder. The VCR empowered people to take control of their personal use of free-to-air video, but it had to be saved from the copyright cartel. The same goes for youtube-dl. GitHub did the right thing here.”

youtube-dl is used by thousands of people around the world. Multiple Creative Commons-licensed and public domain videos on Wikimedia Commons are uploaded via a tool called video2commons, which relies on youtube-dl to download media. youtube-dl also lets users download videos from LiveLeak — a video-sharing platform for citizen journalism. Videos downloaded using youtube-dl are also used for the purpose of fair use, or for evidence. When a copyright holder chooses to release their work, be it a photograph, a video, or audio, under a Creative Commons Attribution (CC BY) license, they allow everyone to freely own, share or modify the work as long as the reusers properly attribute the author of the work. YouTube also hosts many audio and video recordings in the public domain which can be used for any purpose without any restrictions.

In the blog post announcing “youtube-dl is back”, GitHub said, “Although we did initially take the project down, we understand that just because code can be used to access copyrighted works doesn’t mean it can’t also be used to access works in non-infringing ways. We also understood that this project’s code has many legitimate purposes, including changing playback speeds for accessibility, preserving evidence in the fight for human rights, aiding journalists in fact-checking, and downloading Creative Commons-licensed or public domain videos.”

GitHub also announced any new 1201 takedown notices will be “carefully scrutinised by legal experts” to reject “unwarranted claims”, and said it will side with software developers if the claims are ambiguous. The announcement also mentioned GitHub Trust and Safety team would treat developer’s tickets as a “top priority”. GitHub also pledged donation of USD 1 million for developer defense fund “to help protect open source developers on GitHub from unwarranted DMCA Section 1201 takedown claims”.

GitHub had blocked public access to many forks of youtube-dl upon receiving the DMCA notice in October. Wikinews notes public access is not yet restored for the forked repositories listed in RIAA’s copyright notice and still displays “Repository unavailable due to DMCA takedown”.

During the period when GitHub had disabled public access for the repository, Sergey M had been developing youtube-dl and hosting it on GitLab, another code-sharing and hosting site. However, since GitHub has restored public access of youtube-dl, Sergey M has made the GitLab repository private.

After this, Wikinews reached out to Richard Stallman, the founder of Free Software Foundation, who has been highly critical of DRM (digital rights management, the subject of the DMCA) for many years now, to discuss the harms of DRM and DMCA 1201.

[edit]

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_discusses_DRM_and_DMCA_with_Richard_Stallman_after_GitHub_re-enables_public_access_to_youtube-dl&oldid=4609041”

Wikinews interviews 2020 Melbourne Lord Mayor Candidate Wayne Tseng

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

Thursday, October 22, 2020

2020 Melbourne Lord Mayor candidate Wayne Tseng answered some questions about his campaign for the upcoming election from Wikinews. The Lord Mayor election in the Australian city is scheduled to take place this week.

Tseng runs a firm called eTranslate, which helps software developers to make the software available to the users. In the candidate’s questionnaire, Tseng said eTranslate had led to him working with all three tiers of the government. He previously belonged to the Australian Liberal Party, but has left since then, to run for mayorship as an independent candidate.

Tseng is of Chinese descent, having moved to Australia with his parents from Vietnam. Graduated in Brisbane, Tseng received his PhD in Melbourne and has been living in the city, he told Wikinews. Tseng also formed Chinese Precinct Chamber of Commerce, an organisation responsible for many “community bond building initiatives”, the Lord Mayor candidate told Wikinews.

Tseng discussed his plans for leading Melbourne, recovering from COVID-19, and “Democracy 2.0” to ensure concerns of minorities in the city were also heard. Tseng also focused on the importance of the multi-culture aspect and talked about making Melbourne the capital of the aboriginals. Tseng also explained why he thinks Melbourne is poised to be a world city by 2030.

Tseng’s deputy Lord Mayor candidate Gricol Yang is a Commercial Banker and works for ANZ Banking Group.

Currently, Sally Capp is the Lord Mayor of Melbourne, the Victorian capital. Capp was elected as an interim Lord Mayor in mid-2018 after the former Lord Mayor Robert Doyle resigned from his position after sexual assault allegations. Doyle served as the Lord Mayor of Melbourne for almost a decade since 2008.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_2020_Melbourne_Lord_Mayor_Candidate_Wayne_Tseng&oldid=4598699”