Category:April 16, 2010

? April 15, 2010
April 17, 2010 ?
April 16

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Former Formula 1 designer unveils new electric car

Monday, November 9, 2009

Former Formula One McLaren designer Gordon Murray has unveiled a new all-electric car.

The car model, which is known as the T.27, is due to be developed over the course of the next 16 months with four prototypes. The process that will be used during the course of the manufacturing of the vehicle is called iStream. The technology iStream had been invented by Gordon Murray in 1999 and means that all the parts are designed using a computer.

The project has approximately received £9,000,000 (US$14,919,000) in investment. The electric car is designed for urban purposes, such as in cities or towns. The weight of the vehicle is just 600 kilograms. It has the ability to travel at speeds of up to 60 miles per hour and can go for a maximum of 100 miles between recharges.

The designer thinks that motorists will some day be travelling in vehicles like this. Murray believes that the new car will be ‘the most efficient electric vehicle on earth’.

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On the campaign trail, March 2012

Wednesday, April 4, 2012

The following is the fifth in a monthly series chronicling the U.S. 2012 presidential election. It features original material compiled throughout the previous month after a brief mention of some of the month’s biggest stories.

In this month’s edition on the campaign trail, a politician from outside the fifty states receives significant mention as a potential Republican Party vice presidential nominee, Wikinews gets the reaction of three Democratic Party candidates after the party strips delegates from two of their fellow challengers, and a minor third party removes its presidential nominee for fraud.

Contents

  • 1 Summary
  • 2 Might the GOP VP nominee come from Puerto Rico?
  • 3 Democratic Party strips delegates
  • 4 Party removes presidential nominee
  • 5 Related articles
  • 6 Sources
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Canada’s Beaches—East York (Ward 32) city council candidates speak

This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

Friday, November 3, 2006

On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is Beaches—East York (Ward 32). Four candidates responded to Wikinews’ requests for an interview. This ward’s candidates include Donna Braniff, Alan Burke, Sandra Bussin (incumbent), William Gallos, John Greer, John Lewis, Erica Maier, Luca Mele, and Matt Williams.

For more information on the election, read Toronto municipal election, 2006.

Contents

  • 1 Sandra Bussin (incumbent)
  • 2 William Gallos
  • 3 Erica Maier
  • 4 Luca Mele
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What Every Mortgage Broker Should Know About SA Fe ACT Testing

Unless you’ve been selling real estate on Mars for the past few years, you’ve heard about the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (called the SAFE Mortgage Licensing Act of 2008). The SAFE Act mandates increased federal regulation of the mortgage lending industry, enhanced licensing requirements, and professional liability for mortgage loan originators (MLOs) who fail to comply. So if digging your way out of the recession were not challenging enough, now you have additional federal and state hurdles to clear.

How did this happen? In response to the foreclosure epidemic and the global economic crisis that erupted in 2008, devastating the real estate markets and forcing banking institutions to cut lending or even close their doors, Congress passed legislation to establish more government oversight of individual mortgage loan originators, with the outcome of increased consumer protection. Primarily, the law set forth objectives for a Nationwide Mortgage Licensing System (NMLS) for the residential mortgage industry. The SAFE Act requires that all residential mortgage loan originators must be either federally registered or state-licensed. A mortgage loan originator employed by a federally insured depository institution or any credit union or an owned and controlled subsidiary that is federally supervised must be federally registered. All other mortgage loan originators, without exception, must be state licensed.

All state licensed and federally registered mortgage loan originators must be registered with the NMLS, which is maintained by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators.

Striving for Uniformity Among the 50 States

At the time of the law’s passage, state systems varied greatly. The SAFE Act required the states to have a licensing and registration system in place by either July 31, 2009 (for states whose legislatures meet annually) or July 31, 2010 (for states whose legislatures meet biennially). For either of these deadlines, the U.S. Department of Housing and Urban Development (HUD) offered to extend the deadline if HUD determined that a state is making a good faith effort to establish a state licensing law that meets the minimum requirements of the SAFE Act.

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

By January 2010, 43 states, the District of Columbia, and Puerto Rico had adopted NMLS. But HUD recognizes that in many states, individuals currently performing loan originations may not be able to meet the educational, testing, and background check requirements by the time required regulations become effective. In addition, HUD is aware that some states already require licensure of loan originators.

In those states that have adopted NMLS all individuals acting as a residential mortgage loan originator (RMLO) must create an account in NMLS, and have filed or file a Form MU42 through NMLS with the state regulatory agency. Filing deadlines depend on the type of license required.

NMLS Requirements and Your Responsibilities

What do you have to do? In addition to certain other requirements, all MLOs need to file a Form MU4 through NMLS with the their state’s Division of Banking. The applicant as a state-licensed loan originator must furnish certain information to the NMLS including fingerprints for a criminal background check and personal history and experience. Minimum standards for license issuance includes:

* Never having had a revocation of loan originator license;

* Never having had a felony conviction involving an act of fraud, dishonesty, or a breach of trust, or money laundering (no other types of felonies seven years prior to application);* Demonstration of financial responsibility;* Completing pre-licensing education reviewed, and approved by the NMLS (at least 20 hours);* Passing a written test developed and administered by the NMLS (at least 75% correct answers out of minimum 100 questions).* States must include a minimum net worth requirement or surety bond requirement for applicants, or have had the applicant pay into a state fund.

The SAFE Mortgage Loan Originator Test

Some requirements (such as no felony conviction and no license revocation) are straightforward: either you can comply, or you can’t. What’s bringing fear and trembling to the hearts of MLOs nationwide is the SAFE Mortgage Loan Originator Test. All MLOs must pass the test, which is comprised of two components: a state component and a national component. MLOs must pass each component with a score of 75% or higher prior to renewal for 2011. The SAFE Act exam covers topics including federal law and regulation, fair lending issues, consumer protection, instruction on fraud, ethics, and the nontraditional marketplace.

To date, industry sources place the failure rate at anywhere from 30% to a whopping 70% for first-time takers. As part of the SAFE Act licensing requirements, the Act requires that all new mortgage loan originator applicants must complete 20 hours of NMLS-approved Pre-licensure Education (PE) and annual Continuing Education (CE). You’d think that 20 hours of instruction should make the test a breeze. Apparently results depend upon the quality of the program.

Getting the Training You Need

Fortunately, mortgage industry education organizations are gearing up for the challenge. LoanOfficerSchool.com, a California-based company that has been in the MLO education business since 1987, recently unveiled a set of education programs designed specifically for SAFE Act test training.

“When the SAFE Act was passed by Congress in 2008,” says LoanOfficerSchool’s founder David Reinholtz, “We saw a huge unmet need for affordable and effective MLO education programs. Too many loan officers are unprepared for this new and added challenge to their professional lives. We put our twenty years’ of experience to work and created a program that can give the MLO confidence and knowledge. We can’t guarantee that everyone will pass the test, but we don’t think that a better program exists.”

David, who is also member of the advisory board of industry leader MortgageCurrentcy.com, says that LoanOfficerSchool.com is gearing up for extensive rollout of program venues. “I encourage every loan officer who is facing SAFE Act licensure to check out a LoanOfficerSchool.com program in a city or town near you. With the right training, you’ll have confidence and peace of mind when you sit down to take the SAFE act test.”

Article Source: sooperarticles.com/finance-articles/mortgage-articles/what-every-mortgage-broker-should-know-about-safe-act-testing-48982.html

About Author:

David Reinholtz is a professional Mortgage expert in Real Estate Industry . David is also a sales and marketing expert and trains professionals in every career field. For the last twenty five years,Author: David Reinholtz

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Category:June 22, 2009

? June 21, 2009
June 23, 2009 ?
June 22

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BDSM as business: An interview with the owners of a dungeon

Sunday, October 21, 2007

Torture proliferates American headlines today: whether its use is defensible in certain contexts and the morality of the practice. Wikinews reporter David Shankbone was curious about torture in American popular culture. This is the first of a two part series examining the BDSM business. This interview focuses on the owners of a dungeon, what they charge, what the clients are like and how they handle their needs.

When Shankbone rings the bell of “HC & Co.” he has no idea what to expect. A BDSM (Bondage Discipline Sadism Masochism) dungeon is a legal enterprise in New York City, and there are more than a few businesses that cater to a clientèle that wants an enema, a spanking, to be dressed like a baby or to wear women’s clothing. Shankbone went to find out what these businesses are like, who runs them, who works at them, and who frequents them. He spent three hours one night in what is considered one of the more upscale establishments in Manhattan, Rebecca’s Hidden Chamber, where according to The Village Voice, “you can take your girlfriend or wife, and have them treated with respect—unless they hope to be treated with something other than respect!”

When Shankbone arrived on the sixth floor of a midtown office building, the elevator opened up to a hallway where a smiling Rebecca greeted him. She is a beautiful forty-ish Long Island mother of three who is dressed in smart black pants and a black turtleneck that reaches up to her blond-streaked hair pulled back in a bushy ponytail. “Are you David Shankbone? We’re so excited to meet you!” she says, and leads him down the hall to a living room area with a sofa, a television playing an action-thriller, an open supply cabinet stocked with enema kits, and her husband Bill sitting at the computer trying to find where the re-release of Blade Runner is playing at the local theater. “I don’t like that movie,” says Rebecca.

Perhaps the most poignant moment came at the end of the night when Shankbone was waiting to be escorted out (to avoid running into a client). Rebecca came into the room and sat on the sofa. “You know, a lot of people out there would like to see me burn for what I do,” she says. Rebecca is a woman who has faced challenges in her life, and dealt with them the best she could given her circumstances. She sees herself as providing a service to people who have needs, no matter how debauched the outside world deems them. They sat talking mutual challenges they have faced and politics (she’s supporting Hillary); Rebecca reflected upon the irony that many of the people who supported the torture at Abu Ghraib would want her closed down. It was in this conversation that Shankbone saw that humanity can be found anywhere, including in places that appear on the surface to cater to the inhumanity some people in our society feel towards themselves, or others.

“The best way to describe it,” says Bill, “is if you had a kink, and you had a wife and you had two kids, and every time you had sex with your wife it just didn’t hit the nail on the head. What would you do about it? How would you handle it? You might go through life feeling unfulfilled. Or you might say, ‘No, my kink is I really need to dress in women’s clothing.’ We’re that outlet. We’re not the evil devil out here, plucking people off the street, keeping them chained up for days on end.”

Below is David Shankbone’s interview with Bill & Rebecca, owners of Rebecca’s Hidden Chamber, a BDSM dungeon.

Contents

  • 1 Meet Bill & Rebecca, owners of a BDSM dungeon
    • 1.1 Their home life
  • 2 Operating the business
    • 2.1 The costs
    • 2.2 Hiring employees
    • 2.3 The prices
  • 3 The clients
    • 3.1 What happens when a client walks through the door
    • 3.2 Motivations of the clients
    • 3.3 Typical requests
    • 3.4 What is not typical
  • 4 The environment
    • 4.1 Is an S&M dungeon dangerous?
    • 4.2 On S&M burnout
  • 5 Criticism of BDSM
  • 6 Related news
  • 7 External links
  • 8 Sources
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How To Hide Plumbing Pipes

By Adriana Noton

The plumbing is a vital part of the home. Although the plumbing pipes are essential, they do not offer much in the way of attractiveness. Sometimes they can draw attention away from the design and appeal of a room. Whether it is exposed pipes, ceiling pipes, or wall pipes, there are a number of ways that you can hide the pipes.

1. If you have pipes running down the side of the wall, consider a decorative curtain. All that you need to do is install a curtain rod and acquire a stylish curtain to attach to the curtain rod. The appealing curtain will drop down over the pipes. Another way of covering pipes running down the side of the wall is to wrap ribbon all the way around the pipe moving from the top to bottom. Make sure you wrap it tight as you work your way down the pipe and secure it at the bottom. Then, you can add decorations on the pipe such as vines and silk flowers.

2. When hiding fixture pipes such as the pipes coming from the bathroom sink to the wall, there are many stylish cabinets that can be installed under the sink that will completely hide the pipes until you open the cabinet door. The exposed pipes can also be painted with an attractive colour.

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

3. Another method of hiding pipes is to build a box around the pipes. You can then paint or drywall and decorate the box so that it matches the design of the room. You can even build a box that goes all the way up to the ceiling for pipes that run down the side of the wall. You can use either wood or sheet rock. To build a box, you just have to first cut four pieces of plywood or sheet rock. Then, cut four pieces of 1×2 furring strips to correspond with the height of the box. Screw the furring strips to the edges of two of the box sides. This will allow you to secure the entire box. Screw the back of the box into the wall studs. Attach the two sides of the box into the furring strips. Attach the front piece of plywood. For bigger areas that have a lot of piping such as the basement, you can add some hinges to top of the panel so that it can be lifted up and moved when you want to access the pipes.

4. For pipes that hang from or are attached to the ceiling, you can lower the ceiling to hide the pipes. This takes a bit of work, but it is a very effective way of covering the pipes.

If you have exposed pipes, you may be unhappy with how they look, particularly when compared to the rest of the room. Fortunately, with a little planning and creativity, you should be able to cover the pipes and make the room much more attractive. If you need assistance, it is always helpful to contact a plumber or contractor. They will be able to offer some helpful and expert advice on covering your plumbing pipes.

About the Author: Searching online for a local plumber to fix your drains and plumbing problems? Then be sure to contact the plumbing professionals at Mr.Rooter, offering full services 24 hours a day! From plumbing Squamish to plumbing Tri-Cities, Mr.Rooter has you covered coast to

Source: isnare.com

Permanent Link: isnare.com/?aid=602554&ca=Home+Management

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On the campaign trail, March 2012

Wednesday, April 4, 2012

The following is the fifth in a monthly series chronicling the U.S. 2012 presidential election. It features original material compiled throughout the previous month after a brief mention of some of the month’s biggest stories.

In this month’s edition on the campaign trail, a politician from outside the fifty states receives significant mention as a potential Republican Party vice presidential nominee, Wikinews gets the reaction of three Democratic Party candidates after the party strips delegates from two of their fellow challengers, and a minor third party removes its presidential nominee for fraud.

Contents

  • 1 Summary
  • 2 Might the GOP VP nominee come from Puerto Rico?
  • 3 Democratic Party strips delegates
  • 4 Party removes presidential nominee
  • 5 Related articles
  • 6 Sources
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James Bond star Roger Moore, 89, dies

Thursday, May 25, 2017

It is the heaviest of hearts, we must share the awful news that our father, Sir Roger Moore, passed away today. We are all devastated.

On Tuesday, British actor Roger Moore, best known for portraying Simon Templar of the 1960s series The Saint and the spy character James Bond, died in Switzerland at the age of 89.

Before his death, Moore fought recently diagnosed cancer. His family confirmed his death on Twitter saying, “It is the heaviest of hearts, we must share the awful news that our father, Sir Roger Moore, passed away today. We are all devastated.”

Other stars paid tribute to Roger Moore via Twitter, including Russell Crowe, Michael Ball, Mia Farrow, Boy George, and Duran Duran, who sang the eponymous theme song for Bond film A View to a Kill featuring Moore as Bond.

Moore was born in Stockwell, South London an only child to his working-class parents on October 14, 1927. During World War II, he and his mother mostly stayed in Amersham, 25 miles from London. Moore left grammar school in 1943 to work.

Moore’s father, a detective sergeant, came to the home of film director Brian Desmond Hurst that had been robbed. Moore was introduced by his father to Hurst and then started his acting career in summer 1944 as an extra in the film Caesar and Cleopatra. Impressed, Hurst helped Moore gain extra parts in two other films and then paid for Moore’s acting studies at the Royal Academy of Dramatic Arts.

Moore was assigned to the National Service in 1945 and then, after training, was ranked captain. Afterwards, he appeared in modeling engagements, like appearance in Women’s Own magazine.

Moore arrived in the United States in 1953 and then signed a contract with Metro-Goldwyn-Mayer (MGM) for mainly supporting roles. He portrayed the male lead in 1956 film Diane. He first appeared on television as the titular character of the late-1950s ITV series Ivanhoe. He later appeared in some western series, like Maverick from 1960 to 1961, replacing James Garner as the lead of the series.

Moore then portrayed Simon Templar, stealing from rich antagonists, in the ITV series The Saint. The series ran 118 episodes from 1962 to 1969. Due to his contract for The Saint, Moore was prevented from being cast as James Bond for the 1962 film Dr. No, which stars Sean Connery, the first actor to portray Bond.

Moore eventually became the third actor to portray Bond, and his first Bond film was the 1973 film Live and Let Die. He would appear again as Bond in six more films: The Man with the Golden Gun, 1974; The Spy Who Loved Me, 1977; Moonraker, 1979; For Your Eyes Only, 1981; Octopussy, 1983; and A View to a Kill, 1985.

In 1991 Moore became a UNICEF goodwill ambassador. His UNICEF work earned him Commander of the Most Excellent Order of the British Empire (CBE) in the late 1990s. He was knighted in 2003 for that.

Throughout 2000s, Moore performed voiceovers in mostly animated films and made appearances in some other live-action films, like the 2002 film Boat Trip, portraying a gay man resembling Bond. Then he wrote his 2008 autobiography My Word Is My Bond and other books, including memoir One Lucky Bastard and Bond on Bond.

Moore married four times, to four different women. He was survived by his fourth wife, Danish-Swedish multimillionaire Kristina “Kiki” Tholstrup, and his three children.

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