Reverse Mortgage A Wise Money Making Option For Senior Citizens

Submitted by: Issac Gates

Whenever you face turbulence in the stock market and your daily living expenses get higher and higher, you seem to get tensed with the thought that your years of retirement might get unpleasant. All future expectations smash and you head on to take pensions for the rest of your life. Recent studies say that pensions have failed to satisfy a good lot of recipients in the UK in the last few years. Therefore, the option of a reverse mortgage is unquestionably a lucrative option for retired individuals to enjoy financial security till their final days on this earth.

Now, many are unaware of the concept of reverse mortgage. It s an out and out lucrative scheme for senior citizens. It s almost synonymous to a sort of regular income. Those who are above 62 can enjoy a 3in1 facility of cash, credit and monthly income at the same time. You are not required to pay back the mortgage and there will be no monthly payments for reverse mortgage.

[youtube]http://www.youtube.com/watch?v=GD2t56zB-Vo[/youtube]

Earlier, reverse mortgage were considered unproductive. In fact, it brought negative consequences for retirees. Well, the present schemes have been enriched with the introduction of new regulations. This has ensured financial security and protection for senior citizens. The present reverse mortgage regulations state that the seniors can never be compelled to leave homes. Also, their residential properties cannot be taken away without their will. Even heirs are also entitled to the amount equivalent to the property s resale value.

Another primary aspect of reverse mortgage is that the cost of closing is considered here. Well, the reason is that the FHA mortgage insurance is needs to provide the loan and the cost therefore gets rolled into reverse mortgage loan. So, you are not required to make the payment immediately through cheque.

Seniors try to make use of this sort of reverse mortgage loan for various purposes. There are some who take it to meet their daily expenses while some others use it for the healthcare expenses. Some make use of the amount to purchase life insurance policies and some use it to get a rental property that will provide them income in the near future.

Hard money on the other hand has become a preferred alternative for many loan borrowers. It simply refers to a sum borrowed from an unknown source. Miami is one such place where seniors are facing financial challenges especially while purchasing loans from banks. Therefore, it s advisable to get in touch a Miami hard money lender who is always ready to bring you out of financial crisis.

The disadvantage of borrowing loans from banks is that these financial institutions take longer time period in sanctioning your loans. In this respect, a Miami hard money lender can be the best option. In case of emergency situations, banks can never turn out to be a good option. Instead, these private money lenders will arrange your desired loan within a short time period. Remember, the interest charged by Miami hard money lenders are a bit high compared to other loan lenders.

About the Author: Issac Gates is a financial advisor who have good information on reverse mortgage & Miami hard money. For more information he recommends to visit

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Canadian judge strikes down marijuana possession laws as unconstitutional

Sunday, July 15, 2007

A judge in the province of Ontario, Canada dismissed marijuana possession charges against a Toronto man, ruling that Canada’s laws governing possession are unconstitutional.

The unidentified defendant, 29, had been charged with possession after police had found him carrying 3.5 grams of marijuana.

Since July 30, 2001, Canada has allowed a medical exemption for the possession and growing of marijuana, under Health Canada‘s Marijuana Medical Access Regulations. The regulations describe eligible persons as those “suffering from grave and debilitating illnesses.” Canada contracts a company, Prairie Plant Systems, to cultivate and package seeds and/or dried marijuana for shipping of a monthly supply to eligible patients. A packet of 30 seeds costs CA$20, plus taxes. Dried marijuana costs patients CA$150 for 30 grams (slightly more than one ounce).

The defendant in the legal case was not suffering from an illness and was not in need of an exemption from the possession laws. The man put forth a defence that questioned the legality of the medical exemption since it was only a regulation, not a law. He argued that all possession laws, therefore, should be struck down.

The judge presiding over the case, Howard Borenstein, agreed with the argument. “The government told the public not to worry about access to marijuana,” said Judge Borenstein. “They have a policy but not law. In my view that is unconstitutional.”

The defendant’s lawyer, Brian McAllister, felt that the ruling may have significant consequences for possession laws throughout the province. “Obviously, there’s thousands of people that get charged with this offence every year,” said McAllister. He suggested that Ontario residents can cite the new ruling as a defence for possession charges. “That’s probably why the government will likely appeal the decision,” he said.

Judge Borenstein will make his ruling official in two weeks time. Prosecutors in the case have said that they will appeal the decision soon.

In related news, a Liberal senator from the province of British Columbia, Larry Campbell, said Wednesday that the federal government should decriminalize marijuana and “tax the hell out of it,”. He said the government should use the revenue for health care priorities. Sales should be controlled by government, he stated, in the same way that alcohol is sold. He noted that organized crime is pulling in large profits on the growing and sale of the drug.

Senator Campbell also suggested that too many resources are placed on the criminal prosecution of people for possession of small amounts of marijuana. “This is not a drug that causes criminality,” he said. “People are getting criminal records for essentially nothing.”

A recent UN survey, the 2007 World Drug Report, has determined that marijuana use in Canada is the highest among developed nations. Some 16.8 percent of Canadians between the ages of 15 and 64 used marijuana in 2004, compared to 12.6 percent of Americans, 8.7 percent for Britain, 8.6 percent for France, 6.9 percent for Germany, and 0.1 percent of Japanese.

York University law professor Alan Young, said the report’s numbers may be skewed higher for Canadians due to the willingness of Canadians to discuss the issue. “It’s become a large part of youth culture in Canada, and more importantly, 50 percent of marijuana smokers are over the age of 30,” he said. “So it’s really gone to all age groups, all class groups. There’s no question about it that there is less stigma in Canada.”

Only four other countries ranked ahead of Canada on marijuana use: Papua New Guinea, Micronesia, Ghana, and Zambia.

The UN data for harder drugs such as amphetamines and ecstasy showed relatively low use among Canadians.

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Baby in California born with 12 functioning fingers and toes, in a rare case of polydactylism

Tuesday, February 3, 2009

A six-pound infant born in San Francisco, California has six perfectly formed and functional fingers and toes on his hands and feet, so that it isn’t considered a disability or deformity, say doctors at Saint Luke’s Hospital who were amazed by the oddity.

In a medical rarity, super baby Kamani Hubbard was born two weeks ago with 24 working digits. He is healthy and home with his parents in Daly City, California. Polydactyly, a congenital disorder is not uncommon in humans and animals, including cats, but to happen on both hands and feet is a rare hereditary condition.

“Nurses and doctors, looked so normal they couldn’t tell, they told me he was six pounds in good health, that was all they said,” said Miryoki Gross, Hubbard’s mother. Her baby’s specialness didn’t even show up on prenatal ultrasounds. “I heard nothing before I gave birth so I’m still in shock, kinda,” Gross added. Despite the mother’s shock, Kamani’s father, Kris, was the first to notice the condition.

Polydactyly (from Ancient Greek means ‘?????’ (polus) or “many” + ‘????????’ (daktulos) “finger[s]”), also known as polydactylism, sexdactyly, hexadactyly, or hexadactylism, is a congenital physical disorder consisting of supernumerary fingers or toes.

In Kamani’s case, however, all of the digits are perfectly formed and function or work normally. “I was in amazement, it took a little time for me to take it all in,” said Kris, a postal worker, who has a family history of polydactylism, but none of his relatives can remember it happening on both hands and feet.

Mostly, cases of polydactyly are surgically corrected. Kris himself had nubs of sixth digits, which were removed during his early childhood, for having been non-functional. “My son has six fingers then I saw toes, and I thought, this is quite unique. Some family members have had six fingers, not completely developed. But not the toes,” Kris noted.

“I would be tempted to leave those fingers in place. I realize children would tease each other over the slightest things, and having extra digits on each hand is more than slight. But imagine what sort of a pianist a 12-fingered person would be imagine what sort of a flamenco guitarist, if nothing else think of their typing skills,” Dr. Treece remarked.

“I just want him to see what greatness will be in store for him,” said Kris.

Fully developed and functional extra digits on both hands and feet are considered very rare as a genetic trait in medical history, amid some partial development of an extra digit occurs about twice in every 1,000 white male births. Ordinarily, polydactylism appears as an extra piece of non-functional tissue, typically occurring as an extra finger, sometimes with a bone, but no joint.

“It’s merely an interesting and beautiful variation rather than a worrisome thing,” said Dr. Michael Treece, a St. Luke’s Hospital pediatrician, and the OBGYN who delivered Kamani. He has postaxial polydactyly, which is 10 times more likely to occur in black children, and also more likely to appear in boys.

Goliath, a figure in Old Testament, was depicted as having had six fingers on each hand and six toes on each foot.

Blues guitarist Hound Dog Taylor, Get Carter, Little Tich, Toyotomi Hideyoshi and several other figures in history have had polydactyly. Sid Wilson, a turntablist of Slipknot, had been born with an extra finger and toe on his hands and feet which were removed shortly after his birth as doctors considered them to be dead.

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Ontario Votes 2007: Interview with Family Coalition Party candidate Tad Brudzinski, Newmarket-Aurora

Tuesday, October 2, 2007

Tad Brudzinski is running for the Family Coalition Party in the Ontario provincial election, in the Newmarket-Aurora riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

He did not answer the question “Of the decisions made by Ontario’s 38th Legislative Assembly, which was the most beneficial to your electoral district? To the province as a whole? Which was least beneficial, or even harmful, to your riding? To the province as a whole?”

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

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Is A Finch Illness Unsafe To Your Pet?

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Submitted by: Dane File

Raising pet birds is not as ordinary exactly as obtaining pet dogs and also kittens and cats for household pets. If a dog or cat will be hurt we can usually determine. When ever our pet birds get sick we will have to ponder when a finch illness will be dangerous in your pet animal.

If you’ll want to keep an eye on your birds as well as their nostril holes seem to be clogged along with mucus, or perhaps slimy looking then your pet bird most certainly have a cold. This particular symptom will also be brought on by infections, or maybe in case your pet bird is being exposed to any kind of gases which are noxious. You want to instantly add warmness into the pet birds cage and if attainable isolate all of the pet bird away from all of others. It is a great way to get a different crate you feep for a small pet bird infirmary. Then you may separate and in addition apply treatment to ill birds without the need of infecting all of your other good pet birds. The pet bird might also require prescription medication, particularly if the mucous is definitely the outcome of infection.

If perhaps you ought to realize that your birds has begun to inhale rather noisily, or is opening up their beak to have a breath of air then the pet bird is undoubtedly indicating indications of a cold or perhaps an infection as well. Some harmful bacteria and also airsac dust mites will likewise bring on these respiration problems in finches. Place bird inside hospital or perhaps isolation crate and then go on to keep warm. The particular pet birds might require anti-biotics. If you think mites or enteric parasites you may use insecticide strips that are designed for the use in bird crates. In case you have a particular aviary outside the house it is advisable to replace the soil when possible in order to avoid more infestation.

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

When you notice your birds obtaining waste that are drippy, the birds quite possibly have an intestinal dysfunction. Health problems like microbe infections as well as common colds and additionally endoparasites will in addition cause a finch to have waste that are drippy. Put the infected pet birds inside an isolation crate and additionally try shining a particular infrared light on the bird. You should administer antibiotics. Disinfect the specific birds home crate and treat with sulfonamides in the event you suspect endoparasites.

When your feminine pet bird sets out to appear exhausted, is fruitlessly pressing, encountering difficulty breathing, and also appears lame in her lower limbs, she might be troubled with egg binding. You can try letting your own female rest under a particular infrared lamp, but you might need to ask for an expert to take out the particular egg.

If the female pet finche?s oviduct is protruding of their cloaca, this is a manifestation of a prolapsed oviduct. Your own bird must have immediate medical assistance. This may be a potentially life-threatening affliction.

In the event your pet bird is suffering from ectoparasites like lice or possibly feather pests they might appear worried, and also be pecking with their own feathers repeatedly. They may be sleepless perhaps even during the night. They might start to scratch constantly. You can aquire risk-free and also non-toxic insecticides to take care of the specific pet bird with. You will have to disinfect your own crates or maybe aviary. Include all swings, playthings and also perches whenever you disinfect.

The only way to ensure if a finch illness is dangerous to your pet bird is to take the pet bird on your vet.

About the Author: I invite you to come see my site and read my free mini-course on ” Top 10 Secrets To Healthy & Happy Finches by clicking to

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Bird Flu found in Africa

Wednesday, February 8, 2006

The H5N1 Avian Flu virus, also known as Bird Flu, has been found in Nigeria by Italian scientists. Tests done on samples in a laboratory confirm that the strain is the one that can kill people, although no human cases have been reported said the Paris-based United Nations body. This is the first time is has appeared on the continent.

Reports say tests of the virus closely resemble the virus in Asia. The virus has been discovered in poultry flocks in a large Nigerian farm. “It is the first report of the disease in Africa,” the Paris-based World Organization for Animal Health (OIE) said on Wednesday.

“It’s going to be very difficult to mount an eradication campaign,” said Dr. Alex Thiermann, president of the OIE’s international animal health code, from Paris, France. “With what we have today, it is a highly pathogenic H5N1 – the same, or very closely related to the previous ones,” said Thiermann. He also added, “a full genetic analysis of sample viruses is expected to be completed by late Thursday.”

Maria Zampaglione of the Paris-based OIE said “An outbreak has been detected. A local poultry farm keeping 46,000 birds was affected, of which 42,000 were infected and 40,000 of those, died.” The farm is located in Jaji, which is a village in the northern state of Kaduna.

“The farm is located near the Niger Delta, one of the largest over-wintering areas for wild birds in Africa.” said Thiermann.

Quarantine measures on the control and movement of poultry have been taken, and the farm has been disinfected said Nigerian authorities.

“However, it is too early to say how serious the outbreak is and how big its spread could be,” said Ilaria Capua of the Italian bird flu centre in Padua. “We have to be cautious in evaluating the possible implications of these findings.”

In Rome, Samuel Jutzi, a director of the UN’s Food and Agriculture Organization said, “if the situation in Nigeria gets out of control, it will have a devastating impact on the poultry population in the region. It will seriously damage the livelihoods of millions of people and it will increase the exposure of humans to the virus.”

“When you have 46,000 chickens in a house, usually you have some degree of biocontainment…So these (chickens) are not likely to be the ones to first encounter migratory waterfowl,” Thiermann said.

Wildlife circles have been debating on whether or not wild birds are spreading the virus around the globe. Experts believe they are playing a role but most believe poultry movement, poultry products and poultry manure is the main cause of the spreading of the virus.

“But probably not in this case,” said Thiermann. “While it’s too early to blame the wildlife, it’s very likely to be in an area that’s remote enough that it’s not likely to be associated with international trade.”

OIE spokeswoman Zampiglione also said, “Experts had been fearing an African outbreak for months. The conditions there are more likely to lead to contagion from birds to man.”

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Explicit Canadian workplace safety ads pulled from TV due to Christmas season

Thursday, December 13, 2007

Controversial and explicit Canadian workplace safety ads have been pulled from television, and paper ads from some bus shelters for the Christmas season. However, the ads will return to air in January.

“It’s totally erroneous to suggest we’re pulling anything,” chairman of the Workplace Safety and Information Board of Ontario, Steve Mahoney said. “Our plan from Day 1 was to stop the ads around the middle of December when most of the advertising that’s in the media is focused on Christmas and purchasing gifts. We just didn’t want to be competing with all that stuff.”

In one of the TV ads a woman accidentally slips on grease on the floor and a large steaming pot falls onto her face, and she starts screaming to death. The ads end with the message “There really are no accidents”.

A paper ads shows a construction worker who is in a pool of blood with a forklift operation manual stuck in his chest. Another with a man who is slit by a “Danger” sign with his leg stuck in a machine. They show the messages: “Lack of training can kill” and the other “Ignoring safety procedures can kill”.

“The critics amount to about 25 per cent rating, and I’m delighted they’re upset about the ads because I wouldn’t want anyone to enjoy watching them.”

The videos have been viewed more than 70,000 times on the Board’s website and are gaining large amounts of views on YouTube.

The transit authorities of Hamilton and Mississauga will show modified advertisements. The transit authority of Guelph will show the ads in bus shelters, but the transit authority of Windsor will not because of the graphic nature.

“We’re not against workplace safety, but this is too graphic,” said Caroline Postma, chair of the Transit Windsor board.

Mississauga city councillour Carolyn Parrish said: “My son-in-law was telling me that they shouldn’t be on in prime time because when [my grandson] watches them he just about bursts into tear. Now he follows his mom around the kitchen to make sure she doesn’t spill grease. And he’s only four. There’s too much of a chance that … people are really badly affected by it, and can’t really do anything about it anyway.” She suggested the ads only be aired to workers with the jobs shown in the commercials.

Mahoney changed the earlier promise to air the ads only after 8:00pm to after 9:00pm at last nights meeting with Mississauga city council.

Mahoney said the commercials and paper ads are not “too graphic at all”. And they are “absolutely appropriate and they’re doing what they’re intended to do, they’re creating what I call a water cooler topic of conversation.”

Ninety-eight Canadian workers so far have been killed on the job this year.

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Recalled pet food found to contain rat poison

Friday, March 23, 2007

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

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

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

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

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

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

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

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Study links foie gras consumption with Alzheimer’s, arthritis, diabetes, other diseases

Wednesday, June 20, 2007

A study published on June 18 in the American Proceedings of the National Academy of Sciences has found a link between the consumption of foie gras and other meat products and a number of diseases, including Alzheimer’s disease, rheumatoid arthritis, diabetes mellitus type 2, tuberculosis, and amyloidosis. The link exists in genetically susceptible individuals.

The study was lead by Alan Solomon, M.D., a professor and researcher at the University of Tennessee Graduate School of Medicine and the director of the Human Immunology and Cancer / Alzheimer’s Disease and Amyloid-Related Disorders Research Program. Amyloidoses are a group of disease states caused by the deposition in vital organs of proteins in the form of fibrils, causing a range of symptoms such as swelling and kidney damage. The deposition of amyloid beta in the brain is central in the origin of the disease process of Alzheimer’s disease. Foie gras is made from the livers of ducks or geese that have been force-fed.

According to Solomon, “we posit that this and perhaps other forms of amyloidosis may be transmissible, akin to the infectious nature of prion-related illnesses [such as mad cow disease]. In addition to foie gras, meat derived from sheep and seemingly healthy cattle may represent other dietary sources of [the fibrils]. People with a family history of Alzheimer’s disease, diabetes, rheumatoid arthritis or other amyloid-associated diseases should avoid consuming foie gras and other foods that may be contaminated with fibrils,” continued Solomon.

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Scottish Justice Secretary ‘acutely aware of unusual publicity’ in Kular case

Thursday, February 13, 2014

Wikinews has obtained a letter by Scottish Justice Secretary Kenny MacAskill to former Conservative justice spokesman John Lamont in response to questions raised by our correspondent about the Mikaeel Kular murder case. Wikinews has investigated possible contempt by media publishing potentially prejudicial material, and MacAskill wrote he has “been following the case of Mikaeel Kular and [is] acutely aware of the unusual publicity this case has attracted.”

When Mikaeel Kular, three, vanished from his Edinburgh home last month police and volunteers scoured the capital for him. His body was found in Fife just before midnight on January 17, and his mother was arrested on January 18. That’s when Wikinews first reported on possible widespread contempt by UK and Scottish media.

Our correspondent is based in Scotland and has been advised by a lawyer not to identify anybody detained until they have appeared in court, even if they have been arrested and charged. Professor James Chalmers of the University of Glasgow has since reviewed our coverage and confirmed this position. Despite that a large number of major media outlets identified Rosdeep Adekoya, nee Kular, 33, as the arrested individual.

Adekoya has since been in Edinburgh Sheriff Court charged with murdering her son. She is in custody pending indictment and trial, but any eyewitness evidence may be tainted because her image has been widely published. This is common practice elsewhere in the UK but Scottish justice works differently and courts have viewed publication of photos as potentially prejudicial. Professor Pamela Ferguson of the University of Dundee notes “journalists do seem to be walking a dangerous line if publishing photos etc of suspects.” Crown Office, which is in overall charge of prosecutions, has indicated to journalists that no further comment will be made at least until indictment.

MacAskill however expressed confidence in the Scottish court system to deal with the situation. “I am confident… the courts themselves will intervene if they believe publicity is in danger of being prejudicial.” He also wrote to Lamont that he has faith in the court to successfully direct any jury that may try the case in order to maintain fairness.

The courts have said that the only safe route to avoid committing a contempt is to avoid publishing a photograph

The Contempt of Court Act 1981 is designed to prevent prejudicial material going in front of juries before trial. Although UK-wide legislation, the law is interpreted differently north of the border than in England and Wales. Witnesses in Scotland may be asked to identify accused persons standing in the dock. The BBC College of Journalism advises legal advice be sought ahead of publishing photos and notes it has previously been ruled contempt. The BBC used the accused’s photo prominently in their own online coverage.

Chalmers explains: “It may be a contempt of court to create a substantial risk of serious prejudice to someone’s right to a fair trial. A photograph might do this in a case where identification is an issue; on the face of it, that does not seem especially likely in this case, but it is impossible to know for certain at this point. The courts have said that the only safe route to avoid committing a contempt is to avoid publishing a photograph, but that does not mean that publishing a photograph is automatically a contempt.” MacAskill noted “the kind of issue that publicity might raise may become apparent only during the trial itself.”

Contempt has been a considerable issue in the UK in recent years after high-profile cases. In one instance a charge against serial killer Levi Bellfield was dropped owing to publicity while the jury were deliberating; in another, newspapers were fined and sued for libel over reporting on the arrest of a suspect who turned out to be innocent in a prominent investigation.

A proposal was mooted to ban identification of suspects arrested anywhere in the UK, but this was subsequently shelved. MacAskill confirmed “the Scottish Government is content with the way the courts are operating the rules on contempt of court in Scotland at the moment and has no plans to make changes.” He also wrote of the difficulties with trying to individually cover all eventualities with prescriptive legislation, saying “A trial for a sexual offence will raise very different issues — particularly of protecting victims — from those that are raised by a tax fraud trial.”

MacAskill says it is the Scottish Government’s position that the task of “counterbalancing the public interest in reporting with upholding the criminal law should be left to those whose job it is to do so — the courts and the judiciary, acting in the individual circumstances of the case”.

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