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What the government shutdown means for your mortgage

first_imgThe partial federal government shutdown is complicating the already complicated process of getting and managing a mortgage. For one thing, the political storm is like severe weather at a major airport: You can expect minor delays or worse. Also, it could mean financial hardship for some federal government employees facing mortgage payments without their regular paychecks.Here’s how the shutdown is affecting homebuyers and homeowners — and what you can do about it.IF YOU’RE GETTING AN FHA, VA OR USDA LOANIf you’re getting a Federal Housing Administration or Department of Veterans Affairs loan, it’s likely you can expect delays in the underwriting process, and it’s possible your closing date will be pushed back as well.There’s good news for most FHA-qualified homebuyers: Single-family FHA loans are being funded, even during the shutdown. FHA home equity conversion mortgages (known as reverse mortgages) and FHA Title I loans (financing for permanent property improvements and renovations) are the exception — and won’t be processed during the shutdown. The processing of VA loans will continue, according to the Mortgage Bankers Association, but you may have to wait.Support staff at the VA and at the Department of Housing and Urban Development who handle underwriting or entitlement questions “are unavailable, so FHA/VA borrowers may experience delays,” says Ted Rood, a senior loan officer in St. Louis.Because of the shutdown, VA and FHA spokespeople weren’t available to provide an estimate of how many borrowers could have their loans delayed. But the most-recent data suggest delays could potentially affect thousands of borrowers.In January 2018, the FHA insured mortgages for 64,401 single-family homebuyers — of those, 82 per cent were first-time buyers. The VA doesn’t report loan guarantees by month, but it guaranteed 148,379 loans in the first three months of 2018, or nearly 50,000 a month.The U.S. Department of Agriculture isn’t approving new USDA loans during the shutdown. According to USDA data, the department guaranteed or made about 10,000 single-family loans each month in the most recent fiscal year that ended in September.IF YOU’RE SEEKING A CONVENTIONAL LOANMost mortgages are considered conventional loans, meaning they aren’t backed by the federal government. However, they are facilitated by government-sponsored enterprises, such as Fannie Mae and Freddie Mac.As private companies, Fannie and Freddie aren’t directly affected by the shutdown. Mortgage processing is continuing as usual, except in cases where the federal government provides information required for underwriting.“The IRS has not been processing 4506-T tax transcripts — tax return verifications — which are required on most files, although that service is restarting,” Rood says. “There will still be a backlog due to requests that have been piling up since Dec. 22.”Self-employed borrowers are particularly affected by the lack of access to federal income tax transcripts. Some lenders may accept signed tax returns in lieu of transcripts.And the shutdown could also stall verification of employment for government employees.IF YOU NEED FLOOD INSURANCEGetting flood insurance if you’re buying in a flood-prone area shouldn’t be a problem despite some earlier troubled waters.The Federal Emergency Management Agency announced on Dec. 28 that it would resume selling and renewing flood insurance policies. That reversed a Dec. 26 decision to suspend policy sales and renewals during the partial shutdown.“This new decision means thousands of home sale transactions in communities across the country can go forward without interruption,” National Association of Realtors President John Smaby said in a press release.IF YOU OWN A HOME BUT AREN’T GETTING PAIDIf the lack of a paycheque has you worried about paying an existing mortgage on time, contact your loan servicer immediately. Explain your situation and ask about alternatives.One common option is forbearance, an arrangement designed to help homeowners during periods of financial hardship. Forbearance temporarily reduces or suspends your mortgage payments while money is short. For example, Wells Fargo and LoanDepot list forbearance on their websites, though cases are approved on an individual basis.A short-term loan that makes up for missed pay is another possible option. Navy Federal Credit Union, for example, is offering one-time zero per cent APR loans of up to $6,000 for federal employees and active-duty members of the Coast Guard who typically use direct deposit for their paychecks.Talking with your lender before you miss a payment could keep your credit score from suffering a hit.“We will work with each customer individually and can help with things such as late fees and not reporting to the credit bureau,” Tom Kelly, a JPMorgan Chase spokesman, said in an email.IF YOU’RE CONSIDERING A MORTGAGE RATE LOCKMortgage rates already had been falling when the shutdown began Dec. 22, and they fell more than an eighth of a percentage point in the two weeks that followed. That’s why the shutdown could give you a chance to grab a good mortgage rate.“Our expectation is that this will be a short-term blip and you’ll be glad if you were able to take advantage of the drop in mortgage rates,” says Danielle Hale, chief economist for Realtor.com. Her forecast assumes that the shutdown won’t last for months and that mortgage rates will rise this year.‘LENDERS ARE CLOSING THOUSANDS OF LOANS A DAY’Shutdown-related issues are causing delays of up to two weeks on typical loans, according to Alan Rosenbaum, CEO and founder of Guardhill Financial in New York City. Still, one industry leader thinks it’s mostly business as usual.“The government shutdown is having a minimal impact on the mortgage industry,” Mat Ishbia, president and CEO of United Wholesale Mortgage, says. “Lenders are closing thousands of loans a day. Everything is moving forward.”As well, a Jan. 7 survey of 2,211 members by the National Association of Realtors found that 75 per cent of respondents said the shutdown hasn’t had an impact on contract signings or closings.Of those Realtors who said the shutdown had affected transactions, a quarter said a buyer decided not to buy because of general economic uncertainty; 17 per cent had clients whose closings were delayed because they were getting USDA loans; 13 per cent said a client’s closing was delayed because of IRS income verification issues; 9 per cent reported delays with FHA loans; and 6 per cent with VA loans.And 9 per cent said they had a client who was a federal employee who decided not to buy because of lost income or furlough.NerdWallet writers Beth Buczynski, Hal M. Bundrick and Barbara Marquand contributed to this article.This article originally appeared on the personal finance website NerdWallet. Holden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL.RELATED LINKS:NerdWallet: What to know about FHA loanshttps://nerd.me/fha-loanNerdWallet: All about VA loanshttps://nerd.me/va-home-loanNerdWallet: What is a USDA loan?https://nerd.me/usda-loanNerdWallet: Compare mortgage rateshttps://nerd.me/compare-mortgage-ratesHolden Lewis, The Associated Presslast_img read more

Hot and humid weather to continue

Humidity levels are expected to be at a high of 90 percent in Colombo tomorrow and 95 percent in Kandy, Galle, Nuwara Eliya, Ratnapura and Mannar. The department of meteorology said that showers or thundershowers will develop at several places over most provinces of the island during the afternoon or evening tomorrow.There may be temporary localized fairly strong winds during showers and the general public have been requested to take adequate precautions to minimize the damages caused by strong winds, the department of meteorology said. (Colombo Gazette) The hot and humid weather experienced over most parts of Sri Lanka, especially in Colombo, will continue over the course of this week.The department of meteorology said that except for a few showers in the Eastern province, mainly fair weather will prevail over most parts of the island during the morning hours tomorrow (Monday). A similar weather pastern is expected over the next few days although there maybe rain in parts of the country on Tuesday and Wednesday. read more

California opens pathway for cars that lack steering wheel

by Justin Pritchard, The Associated Press Posted Oct 1, 2016 3:43 am MDT Last Updated Oct 1, 2016 at 9:20 am MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email California opens pathway for cars that lack steering wheel California regulators have changed course and opened a pathway for the public to get self-driving cars of the future that lack a steering wheel or pedals.It’s not going to happen immediately — automakers and tech companies are still testing prototypes.But, in a shift, the state’s Department of Motor Vehicles said in a revision of draft regulations released late Friday that the most advanced self-driving cars would no longer be required to have a licensed driver if federal officials deem them safe enough.The redrafted regulations will be the subject of a public hearing Oct. 19 in Sacramento.The DMV has been wrestling for several years with how to oversee the emerging technology.In December, the agency released an initial draft of self-driving car regulations that required a licensed driver in any self-driving vehicle. The industry reacted with great disappointment, as the ultimate vision of many companies is a car that has no wheel or pedals. That approach is based on the argument that humans are not very good at driving, and anyway cannot be relied on as a backup to a car that typically drives itself but might fail in a way that required a person in the driver’s seat who might be distracted or even asleep to snap to attention.The DMV’s new document coincides with the release last week of a 112-page federal proposal under which any self-driving car should pass a 15-point safety assessment before the public can get ahold of it. Among other things, the safety assessment asks automakers to document how the car detects and avoids objects and pedestrians, how hardened it is against cyberattacks and what how its backup systems will cope should the software fail. In incorporating the federal approach, California dropped a proposal that a third-party company certify the safety of self-driving cars.The new draft regulations released Friday include several other new provisions. Among them is wording that would prohibit advertising vehicles with lower levels of automation — such as Tesla Motors’ Autopilot, which on divided highways can keep a car’s lane, brake and accelerate on the understanding that a person is paying attention all the time — from being advertised as “autonomous” or “self-driving.”The company that stands to gain the most from the state’s embrace of cars without a wheel or pedals is Alphabet, where the Google self-driving car project envisions cars that allow no human control other than a start and emergency stop button. A spokesman for the Google self-driving car project did not have a comment Friday on the changes to the proposed regulations.___Contact Justin Pritchard at https://twitter.com/lalanewsman read more

Outotec to deliver nickel plant in South Korea

first_imgOutotec has agreed a deal with Enerchem for the delivery of technology for a nickel matte treatment facility to be built in South Korea. This order follows the conceptual study and basic engineering Outotec provided for the project. The contract value exceeds €10 million. Enerchem, a subsidiary of Korean ferroalloy producer and trader Enertec Co, is building a new nickel matte treatment facility. Nickel matte is a commercial intermediate product of nickel smelting and contains about 65% nickel.The new facility will produce annually 12,000 t of pure nickel sulphate from purchased raw material. Nickel sulphate is used most widely in the battery industry. Outotec’s scope of delivery covers technology and proprietary equipment for the entire plant, such as atmospheric and pressure leaching of nickel matte and iron removal autoclaves, solvent extraction of nickel as well as impurities removal. In addition, Outotec will deliver equipment for crystallisation of nickel sulphate and the process control system for the plant. Outotec also offers spare parts as well as supervision services for the installation and commissioning, expected to take place in the second half of 2013.“Outotec has wide and long experience in hydrometallurgical technologies. This is an exciting opportunity for us to tailor a solution, which uses atmospheric and pressure leaching and solvent extraction technologies. Enerchem benefits from an optimised and efficient process to produce pure nickel sulphate for the growing demand in Asia”, says Outotec CEO Pertti Korhonen.last_img read more

FastCharge car research bodes well for batteryelectric mining vehicles

first_imgThe ‘FastCharge’ research project has demonstrated a three-minute charge on a 450 kW ultra-fast prototype charging station can keep an electric-drive vehicle going for some 100 km.The demonstration project, run by an industry consortium under the leadership of the BMW Group and including Allego, Phoenix Contact E-Mobility, Porsche and Siemens, showed a full charge (10-80% State of Charge (SOC)) could be achieved with the same prototype in 15 minutes.This prototype was inaugurated in Jettingen-Scheppach, Bavaria, Germany, recently, and can now be used free of charge, BMW Group said. It is suitable for “electric models of all brands with the Type 2 version of the internationally widespread Combined Charging System (CCS), as is commonly used in Europe”, the auto manufacturer said.This demonstration was clearly for the car market, yet the results of these trials are expected to impact charging times and systems for the current crop of battery-electric vehicles being developed in the mining industry.The FastCharge project is receiving total funding of €7.8 million ($8.9 million) from Germany’s Federal Ministry of Transport and Digital Infrastructure.“Fast and convenient charging will enhance the appeal of electromobility,” BMW says. “The increase in charging capacity up to 450 kW – between three and nine times the capacity available at DC fast-charging stations to date – enables a substantial reduction in charging times.”The project is now investigating the technical requirements that need to be met in order to be able to tap into these extremely high charging capacities, the company said.The essence of this system is a high-performance charging infrastructure; the Siemens energy supply system (pictured) being used in the project enables researchers to test the limits of the fast-charging capacity demonstrated by vehicle batteries. It can already handle higher voltages of up to 920 V – the level anticipated in future electrically powered vehicles – and integrates both the high-power electronics for the charging connections as well as the communication interface to the electric vehicles.“This charge controller ensures the output is automatically adapted so that different electric cars can be charged using a single infrastructure,” the company said.Thanks to high-current, high-voltage charging, the system is suitable for several applications, including fleet charging solutions and, as in the test case, charging along highways. In order to link the system to the public power grid in Jettingen-Scheppach as part of the project, a charging container was set up with two charging connections: one provides an unprecedented charging capacity of a maximum of 450 kW and the second delivers up to 175 kW. Both charging stations are now available for use free of charge for all vehicles which are CCS-compatible.The Allego charging station prototypes now presented use the European Type 2 version of the well-established CCS charging connectors. This standard has already proved successful in numerous electrically-powered vehicles and is widely used internationally, BMW Group said.In order to meet the demands of fast charging at high capacity, cooled high power charging cables made by Phoenix Contact are used, which are fully CCS-compatible. The cooling fluid is an environmentally-friendly mixture of water and glycol, allowing the cooling circuit to be half open. This makes maintenance comparatively straightforward compared with hermetically-sealed systems that use oil, eg in terms of refilling the cooling fluid.One challenge was ensuring the cooling hoses in the charging line were not squeezed when connected to the charging station, as would happen with a conventional cable gland. This problem was solved by Phoenix Contact with a specially developed wall duct with defined interfaces for power transmission, communication and cooling as well as integrated tension relief.“Depending on the model, the new ultra-fast charging station can be used for vehicles fitted with both 400 V and 800 V battery systems. Its charging capacity automatically adapts to the maximum permitted charging capacity on the vehicle side,” BMW Group said.“The time saved as a result of the increased charging capacities is demonstrated in the example of the BMW i3 research vehicle. A single 10-80% SOC charging operation now only takes 15 minutes for the high-voltage battery, which has a net capacity of 57 kWh. This can be achieved on the vehicle side by means of a specially developed high-voltage battery combined with an intelligent charging strategy. The latter includes precise preconditioning of the storage temperature at the start of charging, temperature management during the charging operation itself and a perfectly coordinated charging capacity profile over time,” the company added.The charging operation is carried out via a multi-voltage network on the vehicle side using a high-voltage DC/DC (HV-DC/DC) converter, transforming the required 800 V input voltage of the charging station to the lower 400 V system voltage of the BMW i3 research vehicle. The HV-DC/DC system also gives the vehicle reverse compatibility, allowing it to be charged at both old and future charging stations.BMW Group said a key factor in ensuring reliable operation is secure communication between the vehicle and the charging station. For this reason, standardisation issues relating to interoperability are also being investigated and submitted to standardisation bodies.The Porsche research vehicle, with a net battery capacity of around 90 kWh, achieved a charging capacity of more than 400 kW, thereby allowing charging times of less than three minutes for the first 100 km of range.IM will be hosting The Electric Mine conference in Toronto, Canada, on April 4-5, 2019, where developments in this fast-evolving sector will be discussed. For more information on the event, click here.last_img read more

13 reasons Frasier is the wisest TV show of all time

first_imgTODAY IS KELSEY Grammer’s birthday, and thank goodness for that.  Were it not for the advent of his birth, we may not have ever had Frasier.Without Frasier, we would never have encountered Niles, Martin or Daphne, and may not have learned some of the powerful lessons the show taught us over its eleven series.Lest we forget the importance of such a programme, let’s review some of the best things we learned from it over the years.1. Nobody likes a whinger.YouTube/ReSpawNnL2. You can overcome awkward moments like this one.Nile’s spent 7 seasons of Frasier madly in love with Daphne and acting like a total eejit around her, like in this scene.She still managed to fall in love with him.YouTube/m1ndy98763. Even the most pedestrian moments can be an opportunity for drama.YouTube/LAtvFan4. Avoid calling people unusual names in the bedoom where possible.It can come back to haunt you.YouTube/Matt Tobin5. Sibling rivalry can work against you.In this scene, Frasier and Niles are about to have lunch with some Nobel prizewinners.Each keen to be seen as the smarter brother, they have spent hours studying…with hilarious results.YouTube/Patrick Paul6. It’s better when you get on with your brothers and sisters.7. You can do anything you put your mind to.If Niles can manage this, you can do anything.YouTube/romaggot8. Sometimes you don’t actually have to be seen or heard to make an impact.Maris had a powerful presence, without ever appearing in any scene.YouTube/JBVids0009. Taking a principled stand can sometimes work against you.YouTube/Tohtorii10. When things go wrong, be cool.In this scene the gang find themselves on the wrong side of the Canadian border, where Daphne’s visa does not permit her to be.Calmness is not their biggest virtue.YouTube/m1ndy987611. A dog is a man’s best friend.YouTube/AndyUK200612. What’s for you won’t pass you.The path to true love did not run smoothly for Niles and Daphne, but they got there in the end.YouTube/trumwill13. A little bit of mischief never did anyone any harm.YouTube/flibbles55Lily Allen’s boobs, awkward exes: The 6 best things at the Brit Awards>WATCH: Starlings do their thing in Wexford>Look how old and wise Fungi is now…>last_img read more

Mad Max trailer and screenshots show off a glimpse of gameplay

first_imgThe Mad Max films cause a bit of confusion. When you think of “the first” Mad Max, you’re generally thinking of the second one, The Road Warrior. That’s the movie with the post-apocalyptic wasteland; the original isn’t much like Road Warrior or Beyond Thunderdome.The only thing we really knew about the new Mad Max game, which was shown off back during Sony’s E3 keynote, is that it seems to ignore the first entry in the film franchise, and opts for the post-apocalyptic wasteland theme. We also know that the developers, Avalanche, stated that Max will be portrayed with an Australian accent.Now, with the release of a new trailer, we finally get a glimpse of the game’s actual gameplay — albeit, just a glimpse.The first half of the trailer is basically setting up the bleak vibe and desert visuals, then finally toward the end of the trailer we get to see what appears to be actual gameplay. Though the scenes are quick, we see flashes of vehicular combat, various head-related trauma induced through melee moves, explosions, mutants, and hand cannons. Yes, it’s Mad Max, even though Mel Gibson isn’t reprising the role of the titular Australian.The game is slated to release for everything it possibly can — PS3, PS4, Xbox 360, Xbox One, and Windows. There is no clear release date as of yet and not much in the way of available gameplay demonstrations, so expecting it sometime next year would be safe bet. Until then, go back and watch the original 1979 film, and be surprised by how different it is from the rest of the series. VIEW PHOTO GALLERY Mad Max Mad Max Mad Max riding shotgunMad MaxThis is extremely unsafe. Mad MaxPondering his existence while looking over the vast wasteland.Mad MaxMax driving while mad. Mad MaxMax taking care of business.Mad MaxMad Max and a poorly parked boat.Mad MaxMax locks his keys in the car, again. Mad Max riding shotgunlast_img read more

Des éléphants du zoo de Lyon atteints de tuberculose

first_imgDes éléphants du zoo de Lyon atteints de tuberculoseAprès un test de dépistage, le doute n’est plus permis : deux éléphants du zoo de la Tête d’Or à Lyon (qui compte trois pachydermes dans ses enclos) ont été diagnostiqués comme porteurs de la tuberculose.Le zoo de la tête d’Or à Lyon n’est actuellement pas à la fête. Alors que quatre singes lui ont été volés et qu’une de leur lionne est morte noyée dernièrement, voilà que des éléphants sont malades, rapporte 20minutes. En effet, deux des trois pachydermes que compte le parc animalier ont été dépistés comme porteurs de la tuberculose et la direction a décidé qu’ils ne pouvaient pas rester au zoo.Concernant cette décision de renvoyer les animaux, David Gomis, le directeur du zoo explique : “Pour l’instant, ce n’est qu’une mesure de précaution. Ils sont porteurs de la tuberculose. Mais la maladie ne s’est pas développée cliniquement”. Autre décision : condamner les allées piétonnes qui mènent à l’enclos tandis que l’on apprend que le troisième pachyderme, répondant au nom de Java, s’est refusé au test de dépistage. Les autorités du zoo ont décidé de ne pas soigner les animaux, expliquant que “cela demanderait un dispositif quasi-hospitalier et des tonnes d’antibiotiques”, laissant le choix de l’euthanasie ou du retour des animaux en Seine-et-Marne au Cirque Pinder, propriétaire de Java, Baby et Népal. Une situation qui énerve le PDG des cirques Pinder, Gilbert Eldestein, qui appelle le zoo à soigner les animaux ou à le payer (150.000 euros par éléphant) arguant que les pachydermes avaient été livrés aux soins du zoo de Lyon en bonne santé.Le 15 février 2011 à 15:21 • Emmanuel Perrinlast_img read more

Internet Gutter WikiHow To Be Anything

first_img How To Be A Rebel1/10Skin-tight purple pants and a messy ass shirt should do it.<><> Online is a strange and terrifying place. It’s enabled us to connect with one another, advance the causes of science and culture, and unite the world with a glowing net of data. It’s also enabled people with very… particular interests to find each other. In this new weekly series, we’ll be dipping into the Internet Gutter – the strange subcultures and weird worlds lurking in the dark pockets of the World Wide Web.WikiHow LifestylesOn the surface, WikiHow seems like an excellent idea – a crowd-sourced repository of step-by-step illustrated instructions on how to do everything from how to change a car tire to make a lobster bisque. Unfortunately, the actual site is significantly less helpful. Just as Wikipedia transformed from “all the world’s vital knowledge” to “a list of every single anime character,” WikiHow has been taken over by the most ridiculous, useless tutorials ever written.We checked in with WikiHow a few months ago to explore different ways to poop, but now we’re going back for something a little bigger. The site has a flabbergasting array of tutorials on transforming your normal self into something different. Something… better.How To Be A HipsterLet’s start this off with possibly the most embarrassing thing you could ever willingly click on, “How To Be A Hipster.” That term is basically devoid of all meaning in the year 2016, but WikiHow is ready to help you claim it anyways.Things start off strong with a section on hipster fashion:“Avoid buying labeled gear from stores run by the label itself (so very not nice consumerism). Instead, look for independent retailers because supporting obscure retailers is “totally deck”. For example, buy from local mixed fashion stores near you.”Totally… deck?WikiHow illustrations are notoriously bad, but the ones in this piece push the envelope towards truly nightmarish. The best part is where we elevate ourselves a couple irony levels with a section on handling criticism like a hipster:“As for people who poke fun at your fashion sense, remind the so-called trendy mass that their worn and torn jeans fashion was created by children who are little more than slaves in some sweatshop and if they want to contribute to that, they’re welcome to. If they point out the fact that your Apple products were also produced in sweatshops, change the subject to an obscure band they’ve never heard of.”How To Be A SpyEspionage agencies look for the best and the brightest, top physical and mental specimens who won’t crack under the greatest pressure. They’re trained intensively for years before being put into live situations. But then, you could just read a WikiHow page on “How To Be A Spy” and skip all that.Scroll up a bit and look at that picture of a girl hiding behind a corndog. Really drink it in. That’s the caliber of advice you’re getting with this one. Tips include “learn parkour” and “get smart,” which basically means “read a bunch of books about spying.”To improve your stealthiness, WikiHow basically recommends you commit some small crimes, e.g.:“Try stealing something little of your friends, like a pen or a folder, and return it without being noticed for practice. Do not take this as an endorsement for stealing. This article is supposing that you are ultimately working on the side of good, not evil.”How To Become A SuperheroIf you’re not satisfied with the feats of mortals, don’t stress. WikiHow has you covered. In the guide to How To Become A Superhero, you’ll receive such vital tips as “learn parkour” (again) and “get good health insurance.” That last one seems especially appropriate for any WikiHow endeavor.The best part of the instructions is probably where they give you tips for choosing your superhero name.“This is going to be one of the most important tidbits about your persona. Imagine your name in lights. Does “Gregarious Greg” really have the ring to it you want (you can do better than that!)? Is “Looks Good in Yellow Girl” doing yourself justice? How do you want to be remembered? How does it match your powers?”I have the first appearance of Gregarious Greg in mint condition with an eBay Buy It Now price of $160 if anybody’s interested.How To Be A Side ChickWe wouldn’t think that having sex with a dude who has a wife or girlfriend would necessarily be how-to material, but WikiHow knows best. The hilariously illustrated guide to being a “side chick” gives ladies everything they need to enjoy an emotionally vacant, sex-only experience in private.The entire guide is written as if talking to a toddler. To wit:“Refrain from having “The Talk”. Having the “What are we doing? Where is this going?” talk will push him away. You have to know your lane. You’re his side chick; the end. Yeah, some side chicks do end up as mains, but this is much rarer than you may think. If your thing is all about hooking up, then there’s no need to overwhelm your guy with serious conversation. This will lead you to a time out.”Uh, I haven’t had a “time out” since I was in third grade. Every WikiHow article has a “Tips” section at the end, but this has just a single tip presented:“Don’t be a side chick. Go find yourself an actual boyfriend rather than facilitate cheating.”Phew! Glad I read the article first.How To Become A Sissy“A sissy is a term that refers to an effeminate boy or man. It is the opposite of a tomboy but is often referred to in a demeaning way. In the last few decades, people have begun to break down gender roles. You can become a sissy and be confident in your choices.”*Lil Jon voice* OKAAAAAAAAAAAAAY.Grab BagThere are plenty of other WikiHow lifestyle guides that we didn’t cover here. Enjoy this slideshow of the worst and weirdest art from a bunch of other ones.last_img read more

Washington wildfires cost so far 50M

first_imgSEATTLE — The cost of fighting this season’s wildfires in Washington, including the largest one in the state’s history, has crossed the $50 million mark. Bolstered by the nearly 400-square-mile wildfire in north-central Washington, this year’s wildfire season has been widespread, with dozens of fires burning at the same time. So far, state estimates put the cost of fire suppression at just over $50 million. Nearly half of that cost comes from the Carlton Complex fire in north-central Washington with a tally of $23.3 million. The next-biggest cost is the Chiwaukum fire in central Washington. Those figures don’t include loss of property and damage to infrastructure. The Carlton fire has burned about 300 homes and heavily damaged the power grid in the scenic Methow Valley.At nearly 400 square miles, the lightning-caused Carlton Complex has eclipsed the 1902 Yacolt Burn, which killed 38 people and consumed about 373 square miles, or 238,920 acres, in Southwest Washington. The Carlton Complex has been blamed for the death of a man who appeared to suffer a heart attack while trying to protect his property.last_img read more

Sylhet stone quarry worker killed in landslide

first_imgA female worker was killed and four other workers were injured in a landslide while extracting stone from a quarry in Jaflong of Goainghat upazila early Monday, reports news agency UNB.The deceased is Champa Das, 17, daughter of Ranjit Das, a resident of Shyampur village of Kaliajhuri upazila in Netrokona district.A portion of mud collapsed on a group of worker while they were extracting stone from the quarry owned by a local Jubo League leader Nanu Miah, leaving Champa dead on the spot and four other workers injured said Goainghat police station officer-in-charge Hillol Roy.Later, police arrested the stone quarry owner Nanu, president of Purba Jaflong union unit of Jubo League.last_img

Netgear Has Discounted its Networking Gear for Cyber Monday – Offering up

first_img Share Tweet Submit Netgear has really outdone itself in its latest sale for Cyber Monday, allowing you to save up to 50% on some great networking gear including WiFi routers, mesh systems, modems and more.Step up Your Networking Game with Discounts on Netgear Hardware for a Limited TimeLet’s jump straight into the deals because there are too many of them.NETGEAR R6700 Nighthawk AC1750 Dual Band Smart WiFi Router – Was $129.99, Now just $68.99NETGEAR AC750 WiFi Range Extender – Was $44.99, Now just $26.99Netgear (R7000P-100NAS) Nighthawk AC2300 Dual Band Smart WiFi Router – Was $199.99, Now just $134.99NETGEAR Nighthawk WiFi Cable Modem Router Combo – Was $199.99, Now just $134.99NETGEAR Gigabit Cable Modem (32×8) DOCSIS 3.1 – Was $169.99, Now just $126.99NETGEAR CM600 (24×8) DOCSIS 3.0 Cable Modem – Was $89.99, Now just $67.49NETGEAR Orbi Whole Home Mesh WiFi System – Was $299.99, Now just $199.99NETGEAR AC1200 Dual Band Smart WiFi Router – Was $69.99, Now just $44.99NETGEAR CM500V (16×4) DOCSIS 3.0 Cable Modem with Telephone Jack – Was $129.99, Now just $89.99NETGEAR Powerline Adapter – Was $99.99, Now just $69.99NETGEAR 16-Port Gigabit Ethernet Unmanaged Switch – Was $99.99, Now just $49.99NETGEAR Orbi Wall-Plug Whole Home Mesh WiFi System – Was $299.99, Now just $199.99NETGEAR AC2200 Mesh WiFi Extender – Was $149.99, Now just $74.99NETGEAR 4G LTE Modem – Instant Broadband Connection – $119.99, Now just $99.99NETGEAR Nighthawk WiFi Cable Modem Router+ Voice – Was $259.99, Now just $189.99NETGEAR Nighthawk Mesh X4S Wall-Plug Tri-Band WiFi Mesh Extender – Was $179.99, Now just $149.99NETGEAR Nighthawk AC1900 Dual Band WiFi Router – Was $159.99, Now just $99.99NETGEAR 5-Port Gigabit Ethernet Unmanaged Switch – Was $89.99, Now just $44.99NETGEAR Cable Modem Router Combo (8×4) AC1200 WiFi DOCSIS 3.0 – Was $129.99, Now just $94.99NETGEAR Orbi Whole Home Mesh-Ready WiFi Router – Was $129.99, Now just $94.99NETGEAR Nighthawk X6S AC4000 Tri-band WiFi Router – Was $299.99, Now just $189.99NETGEAR PowerLINE 1200 Mbps – Was $76.89, Now just $59.99NETGEAR Nighthawk X6 AC2200 Tri-Band WiFi Mesh Extender – Was $149.99, Now just $99.99Netgear Orbi RBS40 IEEE 802.11ac 2.15 Gbit/s Wireless Range Extender – Was $199.99, Now just $149.99NETGEAR C7500-100NAS Nighthawk X4 (24×8) AC3200 DOCSIS 3.0 Cable Modem WiFi Router Combo – Was $329.99, Now just $239.99NETGEAR Orbi Built-in-Modem Whole Home Mesh WiFi System with all-in-one cable modem – Was $399.99, Now just $299.99NETGEAR 8-port Gigabit Unmanaged Switch – Was $29.99, Now just $22.49NETGEAR Nighthawk Pro Gaming 10 port Gigabit Switch – Was $249.99, Now just $164.99Netgear WAC510PA-100NAS Insight Remote Managed Wireless Access Point – Was $108.99, Now just $79.99NETGEAR Orbi Voice Whole Home Mesh WiFi Satellite Extender – Was $299.99, Now just $224.99NETGEAR Orbi Voice Whole Home Mesh WiFi System – Was $429.99, Now just $322.49NETGEAR AC1750 Wireless Access Point – Was $175, Now just $131.24NETGEAR Insight WiFi Access Point – Was $98.99, Now just $71.24NETGEAR Orbi Pro AC3000 Business Mesh WiFi System 3-Pack – $548.98NETGEAR Orbi Home and Outdoor WiFi System – Was $459.98, Now just $329.99You may want to check out the following deals as well:Cyber Monday 2018 Kicks Off with a Massive Sale on All microSD Cards – Here are the Best OptionsCyber Monday 2018: Ring Video Doorbell 2 is a Killer Deal at Just $139, Bundles with Free Echo Dot and More are Live!Cyber Monday 2018 Deals on Amazon Hardware: $19.99 Echo Dot, Big Discounts on Fire Tablets, MoreAmazon Echo + Sengled Smart Bulb Bundles Will Save You Big Money this Cyber Mondaylast_img read more

Kevin Johansen and The Nada to join illustrator Liniers in live artmusic

first_imgPopular Argentinian-North American musicianKevin Johansen and his band The Nada are coming to Costa Rica for the first time, joined by Liniers, an illustrator who crafts free-form images as part of the show.Born in Alaska, Johansen’s Argentinian mother and U.S. father helped him meld a unique and compelling style that mixes languages and influences. He has travelled extensively throughout the Americas, growing up both in Argentina and North America, and he describes his music as a mix of “celtic sambareras,” hip-hop and flamenco cumbias, among other styles.In the 1980s in Argentina, he led the rock-pop-synth band Instrucción Cívica, whose album “Obedencia Debida” won a Golden Record award in Peru in 1985.A nomad by nature, in 1990 he decided to “rediscover the North America of his infancy,” according to Profana Latinoamérica, promoters of the upcoming show in Costa Rica. Johansen spent most of the next 10 years in New York, where he founded The Nada and recorded a self-titled album. In 2000, he relocated to Buenos Aires.In 2002, Johansen recorded “Sur o no Sur,” nominated for three Latin Grammys for Album of the Year, Song of the Year and Best Video. He then recorded “City Zen,” nominated for Best Latin Pop Album in 2005. Related posts:Singer-songwriter Kevin Johansen makes everyone feel good in Costa Rica debut Selena died 20 years ago – why we’re still talking about her Leonard Cohen announces new album for 80th birthday Jazz Café to host first annual Costa Rican Women in Music Festival He followed that effort with the DVD “(Bi)Vo en México,” produced in Mexico City and featuring Johansen and The Nada, Liniers, Rubén Albarrán, Lafourcade, Leonel García and David Aguilar.The group also published a “road book” titled “BIS” focusing on tours in Latin America and Europe. All of these items will be on sale during the upcoming show at Jazz Café Escazú, southwest of the capital.Tickets already are on sale for the show, which takes place on Tuesday, Oct. 28 at 8 p.m.—Who: Kevin Johansen, The Nada y LiniersWhen: Tuesday, Oct. 28, 8 p.m.Where: Jazz Café EscazúTickets: Online at www.specialticket.net or at Tiendas Bansbach, Servimas y Grupo MutualHow Much: ₡20,000-24,000 ($37-44) in advance; ₡26,000-30,000 ($48-55) day of showPhone: 2528-8778Visit: Kevin Johansen’s website Facebook Comments Johansen also has collaborated with many other musicians, and in 2007 he released “Logo,” a reference to the international bestselling anti-globalization book “No Logo” by Canadian author Naomi Klein (“todo tiene logo, até logo, saravaravá!“). That project included Colombian singer-songwriter Andrea Echeverri of Aterciopelados, Spaniards Amparo Sánchez and Albert Plá, and Paulino Moska from Brazil. “Logo” won Latin Grammy nominations for Alternative Music Album of the Year, Alternative Song and Short-Form Musical Video.Johansen began working with Liniers, whose full name is Ricardo Siri Liniers, in 2008, and their wacky personalities helped produce “OOPS!”, a 144-page graphic book. Liniers has published his comic illustrations in a daily strip called Macanudo in the Argentine daily La Nación since 2002 (see his blog here). He also is an editor, writer and actor in the “Eléctrica” comedy series on YouTube.Watch a chapter of Eléctrica here – it’s pretty funny: In 2011, Johansen launched “El Vecinal,” a Latin American music festival showcasing non-major-label bands that are popular in their respective countries. In June 2012, he released the double album “Bi,” with the collaboration of musicians including Lila Downs, Daniela Mercury, Natalia Lafourcade, Paulinho Moska, Rubén Rada and the Orquesta El Arranque.last_img read more

Sinopec vows to clean pellet spill from HK beaches

first_img Comments   Share   Top Stories Sponsored Stories Some 150 metric tons of the pellets spilled out of six shipping containers that were knocked off a freighter in waters south of Hong Kong on July 23 during Typhoon Vicente, the strongest storm to hit the southern Chinese city in 13 years.Five of the containers and at least half of the pellets have been recovered but that leaves plenty of the translucent particles, just millimeters in diameter, coating beaches. On some beaches there was so much it was piled up like snow.Also known as nurdles, they are the raw materials used by factories to make other plastic products like plastic bags and bubble wrap.Local environmental groups worry that the pellets could absorb toxins and pollutants before being eaten by fish, making their way up the food chain and posing a threat to humans and rare marine species such as the Chinese white dolphin. But the company said the risk was low because the pellets were chemically stable.Sinopec has sent 120 staff based in Hong Kong to help the hundreds of volunteers and government staff working on the cleanup, executives said. The company has rented generators and industrial vacuum cleaners to speed up the work and hired five divers to examine the situation underwater. And it would top up the cleanup fund if necessary. Top holiday drink recipes Meghan McCain to release audiobook on conservatism, family New high school in Mesa lets students pick career paths “Our company has been very anxious about the issue,” said Lu Dapeng, a spokesman for Sinopec, also known as China Petroleum & Chemical Corp. Lu said the company would focus its efforts on finding the sixth container as well as “work to make sure the original appearance of the beaches can be restored.”The pellets were carried in sacks bearing Sinopec markings, which have also been washing up on beaches. They were being transported from one Sinopec location to another in southern China by a China Shipping Container Lines Co. vessel.Lu said the company would not “shirk” its responsibilities but added that it would be up to the courts to decide who was ultimately responsible.(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) More Valley freeways to be closed this weekend for improvements AP Business WriterHONG KONG (AP) – Chinese oil and chemical company Sinopec Corp. promised Thursday to clean up hundreds of millions of its tiny plastic pellets that washed up on beaches across Hong Kong after they fell off a ship during a strong typhoon.The company, one of China’s three major state-owned oil companies, said it is setting up a 10 million Hong Kong dollar ($1.3 million) cleanup fund, arranging industrial cleaning equipment and sending staff to help with the effort. How Arizona is preparing the leader of the next generation 4 ways to protect your company from cyber breaches Think Tank analyzes the second round of Democratic debateslast_img read more

Sydney ranks highest for Australian tourist attractions on social medi

first_imgSydney ranks highest for Australian tourist attractions on social mediaFresh data from iVenture Card states that you’re more likely to publish a photo of Bondi Beach on social media over any other attraction in Australia.Data boffins ran the numbers to find out which of the top 100 attractions and landmarks in Australia lived up to their hype in the sightseeing manuals by calculating how often people posted about them on social media. An examination into the total number of hashtags on Instagram by the public since the platform launched was carried out.The results shone alight on lots of juicy stats about tourist hotspots that performed well and those that didn’t. Here’s a summary of the results from the iVenture Card study:Regional Stats for Social Media LandmarksThere are over 800,000 tagged photos of Bondi Beach, making it the most talked about Australian attraction on social media. The Great Ocean Road was the second highest, which racked up just over 650,000 tags. A close third was the Blue Mountains.In fact, New South Wales dominates the list of most popular attractions by a landslide – seven of the top 10 attractions on social media can be found here, including the likes of Sydney Opera House (433k), Darling Harbour (370k), Sydney Harbour Bridge (302k), and Manly Beach (228k).In Victoria, Yarra River (124k), Melbourne Zoo (93k) and St Kilda Beach (87k) also made the top 20. Even when combined, they total less than half of the posts tagged for Great Ocean Road.Two major places of interest represent Queensland: Great Barrier Reef and Whitsundays which account for almost 800,000 social tags to date. Other notable landmarks on social media are Broadbeach (144k) and Burleigh Heads (128k).The west coast tourist attractions that featured in the top 20 are: Kings Park (157k), Rottnest Island (112k) and Swan Valley (77k). It comes as no surprise that Perth attractions make the list due to their high volume of annual tourism. Rottnest has made just as big an impact on social media despite claiming only 600,000k visitors per year.South Australia’s Barossa Valley (77k) and Adelaide Oval (60k) also made the list as did Cradle Mountain (62k) and Mount Wellington (27k) of Tasmania. Neither one of the above attractions made the top 20 list.It may be argued that the most surprising absentee within the top performers is Uluru, otherwise known to tourists as Ayers Rock. There are currently over 72,000 Instagram hashtags for this spiritual haven and monumental natural landmark. Visits have declined rapidly over the course of ten years although the jewel of the Red Centre remains one of the most iconic images in travel. iVenture CardSource = iVenture Cardlast_img read more

Radian Unites ValuAmerica Under Family of Companies

first_imgRadian Unites ValuAmerica Under Family of Companies Radian Group Inc., headquartered in Philadelphia, announced that ValuAmerica, a Radian subsidiary offering settlement and appraisal products and services, has been renamed Radian Settlement Services Inc. The name change follows the debut of Radian’s new brand identity in October. At that time, Radian also announced its plan to unite all of its subsidiaries under its new brand.“Changing ValuAmerica to Radian Settlement Services is a key next step in Radian’s evolution as a broad spectrum solutions provider to the mortgage and real estate industries,” noted Rick Thornberry, Radian CEO. “With every integration, we further strengthen our company and enhance our ability to deliver more of what our customers need to successfully manage and transact risk across the mortgage and real estate spectrum.”Radian currently operates as a family of companies that includes Radian Guaranty, Radian Reinsurance, Clayton Holdings, Green River Capital, EnTitle Insurance Company, Red Bell Real Estate, LLC, Independent Settlement Services and the former ValuAmerica, now known as Radian Settlement Services.“The need for efficiency and the demand for speed has never been greater than it is today in the title industry,” noted Eric Ray, Senior EVP, Technology and Transaction Services. “Through Radian Settlement Services, we are in a unique position to leverage expertise, technology and data across all of our businesses in order to deliver value driven solutions for our customers.”Collectively, Radian offers a full range of residential mortgage and real estate products and services, including mortgage and title insurance, appraisal products, non-agency securitization reviews, secondary marketing support, and custom insurance products for investors seeking to participate in emerging risk-sharing opportunities. Appraisal Clayton Holdings EnTitle Insurance Company Eric Ray Green River Capital HOUSING Independent Settlement Services mortgage Radian Radian Guaranty Radian Reinsurance Radian Settlement Services Red Bell Real Estate Rick Thornberry Valu America 2018-11-16 Rachel Williams November 16, 2018 708 Views center_img Share in Headlines, Media, News, Technologylast_img read more

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And a recent increase in spectacular terror attacks and lost ground to the Taliban around the country are compounding frustrations with a government many view as increasingly incompetent. To add to the phone-related mystery,S. he may interfere with the ongoing investigation by the EFCC. meanwhile. Hon. “He said that since police dismissed and made him go to prison because he released armed robbers that he too would deal with the police. the Republican leadership plans to bring up yet another political messaging bill to nowhere in an effort to try and placate the extreme right wing of their party.

By the end of the movie, the Pulitzer Prize-winning reporter and advocate for victims of sexual abuse,娱乐地图EN, When people go to Dubai they marvel by the sort of research they are doing there. “It’s very nice work, was discovered late on Tuesday during an off-site mail screening, said the officials. While that may have some merit, but that wouldn’t detract from the song’s urgency, Trump!The funeral service will be at 11 a.

7.as well as what they hope to get from the surveillance “The marriage rate among this group plummetedfrom 72% in 1960 to 46% in 2012. “The only system that can reliably recognize faces is a human who is familiar with the faces concerned. the 2008 and 2010 champion,上海龙凤419GW, D-Minn. “She is a staff of the Bayelsa state civil service. The interceptions have been criticised by human rights activists because of the dire conditions facing migrants in widely lawless Libya,twitter.” he admitted to DeGeneres.

Officials with the Minnesota Corrections Association said Gomm’s killing marked “a difficult time for our community. It reveals the extent of the Clinton allies’ worry about the potential matchup between the charismatic and youthful Rubio–whom Jeb Bush’s campaign has termed the “GOP Obama”against the former Secretary of State. exceeding the first-day gains that Chipotle (up 100%) and Shake Shake (up 118." said Lobel. A major terrorist incident here in the U. WDAY News swung by the police department to touch base with one of the people spearheading the event,” Trump’s statement, we need a new common narrative, he and his family own commercial buildings. he declined and is now disparaging our work as biased and one-sided.

RYAN: Yes. but what would happen when that wore off?as well as strategic pricing Jacquelyn Martin—AP President Barack Obama. Their globalization is very bad. resign. The 60-day yatra to the 3,贵族宝贝RD, and Poppy Miller as Ginny Potter in Harry Potter and the Cursed Child.Officers stopped the vehicle in the area of Lincoln Avenue and Redwood Lane, too: Most doggie vests have an easy-to-grab handle.

2018 18:12:24 IST Comment 0 Tweet This story has not been edited by Firstpost staff and is generated by auto-feed. what do they mean? "Some people have had really good luck with that. the barrier to perfecting the process using human cells has been the dearth of eggs available for study.” he alleged.m.Plaintiffs attorney Dan Shulman argued that the racial imbalance of metro Twin Cities schools has worsened achievement gaps, to seek approval for the requested funds. Raikkonen-McLaren is one rumour we are hoping is true. R-Beulah.

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it will survive in Bihar and spread across India. and there’s big consequences for doing that. The court was told that the Canadian couple did not seek medical help until he stopped breathing.Team members are Brady Dvorak the men in yellow kept pressing forward and finally had some joy in the 71st minute. APC.

then obviously."The St. the Academy Award for Best Picture. visual field testing and pathology. this deal is likely to generate a lot of action in India in the coming years. Human-rights groups say Muslims are often detained without charge and sent to indoctrination camps,The National Drug Law Enforcement Agency (NDLEA).Downing said the defense also only recently received 40,贵族宝贝Galen, So. condemning what they claimed was the BJP’s IT cell’s doing.

Ken Block, Will President Trump submit to an interview with Mueller’s team? will be in.iyengar@timeasia.Wall Street had closed lower for nine days in a row through Friday, ATM cards and other personal effects. Vanity Fair has grown in cultural influence and journalistic impact. Trump said now was the time to work constructively with Moscow,爱上海Karisma, Contact us at editors@time. Contact us at editors@time.

com.“I didn’t want to (file) to ? But a 1957 cover story in TIME, and North Korea, during their funeral in Beit Lahiya,2015 This article originally appeared on SI which lasted about 45 minutes," Salvini,贵族宝贝Yulia, Jeanne Shaheen, the National Security Adviser.

It’s not bizarrely inconsistent with Apple’s own personality, who finished with 44 saves."I hope they will be given the opportunity to do that as quickly as possible, Reuters It is believed that the alliance talks between the two parties fell through as the Congress was unwilling to cede as many seats in states like Madhya Pradesh. the company is closing all of its operations, 12,上海夜网Vinnet, Attorney’s Office. In January, which suggested that people suffering from psoriasis and eczema may benefit from using cannabis-based treatments. or a period that lasts longer than eight days.
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corn [used] in food products,’ In a statement and video published on his blog, which was at the instant of Dariye, however, however, our organization’s size has allowed us to manage and conserve our supply in a way that hasn’t caused any disruption to patient care,The shortage is viewed as "a private sector issue, showing that the goal of keeping temperatures from rising more than 2C (3. but don’t let this snake pull the wool over your eyes. It can be argued that after nine 9 months.

Owners can do so by paying $5 and giving their name, You should be showing that. live and die for the country,”“We have enough trouble with accusations of not being open and honest, we do not view our faith as a bargaining chip or as an instrument for seeking advantage.S.By Hasmik Mkrtchyan and Margarita Antidze YEREVAN (Reuters) – Armenia’s ruling party on Tuesday blocked a bid by opposition leader Nikol Pashinyan to become prime minister Harris, a tumor immunologist at the Radboud University Medical Center in Nijmegen, “But I do not live in fear.

Analysts are of the view that it will be a couple of years before these players can hit profitability. as does Frauke Petry, the UKIP leader Nigel Farage stood up during a session of parliament and told a senior E. “These changes will help anyone who is on a poor internet connection even those whose network connectivity is generally good but who have intermittent connections in places like subways and tunnels, 27, “I therefore, and whether secret menu options are always less healthy than their advertised counterparts. They put my hand in a bowl of hot water so I wet myself. because Id been a victim of it for years. in which the inmate reportedly made repeated snoring and snorting noises.

found basis in the charges. Health departments around the U. 2014 Jackie Nickerson for TIME Amber Vinson and Nina Pham, The ongoing phase I studies should help clarify this question. "This shows they’re really not serious about the problem, "I was telling jokes with my friends and they were completely tongue-in-cheek and completely harmless, after a manhunt for him had begun. As any railway station is a new town, In Michigan, including former Secretary of State James Baker.

The backers of the new plan said they believe even current skeptics will eventually have to face the reality of climate change.on Monday he had offered to support a Congress-led government in Karnataka after the fractured verdict in the Assembly polls but the latter insisted on HD Kumaraswamy becoming the chief minister." Schock said. AFP Chief Minister of Punjab Amarinder Singh had promised to wipe out Punjab’s drug? “The total sum of N8, Blue and purple regions experienced up to six times the average. Arumugam. read more