Author: Admin

Submitted by: Marie Carey

If you’re like most grown ups, you know which you need life insurance, wellness insurance coverage, car insurance, and home (or renters ) insurance. You know, for instance, that a life insurance policy can offer monetary safety for your dependents in the event the policyholder dies. You realize the policy benefit can help your spouse and/or children maintain the regular of residing which you have labored so tough to provide. You know that it could imply the distinction between your loved ones keeping your house or going homeless in the event you die. You realize that it can be the salvation that enables your family to continue to manage food, clothes, and expenses such as automobile payments and credit score card payments. And also you know that it may be the main supply of your children s college education fund.

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[youtube]http://www.youtube.com/watch?v=2FF1OO_iXRY[/youtube]

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Monday, December 31, 2007

What would you tell your grandchildren about 2007 if they asked you about it in, let’s say, 20 year’s time? If the answer to a quiz question was 2007, what would the question be? The year that you first signed on to Facebook? The year Britney Spears and Amy Winehouse fell apart? The year author Kurt Vonnegut or mime Marcel Marceau died, both at 84?

Let’s take a look at some of the international stories of 2007. Links to the original Wikinews articles are in bold.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews%27_overview_of_the_year_2007&oldid=4678722”

Saturday, December 10, 2016

Members of the U.S. Senate offered words of tribute to U.S. Vice President Joe Biden on Wednesday on the floor of the Senate.

Photo of Biden(left) greeting Egyptian President, Anwar Sadat in 1979.

Senator Barbara Mikulski spoke for several minutes, calling Biden a ‘champion of the people’ and a ‘great leader’. Mikulski also praised Biden’s wife, calling her a leader ‘in her own right.’ Senator Mitch McConnell of Kentucky called Biden a ‘real friend and trusted partner.’ Although scheduled to run for one hour, the tribute extended beyond two hours.

Two senators mentioned Biden’s work on the Violence Against Women Act, and commented on the positive impact made by that legislation. In January of this year, President Obama asked Biden to lead an effort to target cancer diagnosis and treatment. At least two Senators praised Biden’s efforts on that program, named the ‘Cancer Moonshot’ program.

Earlier in the week, Biden presided over a vote on the $1.8 billion bill, intended to fund the ‘Cancer Moonshot’ effort. Biden’s son Beau died of a brain tumor in 2015. Later that evening, Biden told a reporter, “I’m going to run in 2020.” When asked later to clarify what he meant, Biden stated, “For President […] What the hell, man.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Members_of_US_Senate_offer_tribute_to_Vice_President_Joe_Biden&oldid=4270510”

Equipment Leasing and Financing

by

JM Luna

This article is going to discuss what is equipment leasing/financing, what are its benefits, leasing plans and how it relates to the start up and seasoned business.

Leasing is a form of renting but with a buyout clause at the end of the lease to take title to whatever we are leasing. The requirements to get into the lease may be as low as first and last payment and as much as 25%. Each situation is different and this offers the start up and seasoned business a way to invest very little monies into the business. Additionally, all other monies can be used for operating expenses such as marketing and other key areas. Leasing is not a new form of financing but could be a lending solution to the start up business. The small sample of type of industries that leasing can be used for are the following:

Dump,garbage, tow, flatbed, water trucks, over the road trucks and day cabs, heavy and construction equipment such as bulldozers, tractors, excavators, skid steer loaders, backhoes, flatbed, drop deck, refrigerated, dry van trailers, and industries which include limousines, limousine and shuttle buses, and machinery and production equipment.

[youtube]http://www.youtube.com/watch?v=kc5_L_kQaws[/youtube]

The benefits of leasing may result in off-balance sheet financing reporting, tax incentives and conserving cash flow and preserving lines of credit for working capital purposes. Many leasing requirements may only require the initial outlay of first and last rental payment. Most leases finance 100% of the cost of the equipment such as soft costs which include shipping, software, training and installation. Additionally, leasing lets you regularly upgrade your equipment, eliminating your utilization of old, outdated equipment and reducing repair options.

Some of the leasing plans available to the lessee are $1.00, 10% or 20% purchase options as well as Trac Leases and FMV lease buyouts. Additionally, some lenders offer seasonal payments, deferred payments for ninety days, declining payments and half payments for a specified time period. It is important that the lessee understands all these different lease plans available as well as the buyout clauses.

The lessee has many options to consider in negotiating his lease. He must understand each lender’s requirements and see if it fits within the realm of the lessee’s requirements. Some lenders will accept the start up business whereas others will not want to lend to this group. They consider that their risk capital can be invested in other types of portfolios that can be better served. Many lenders require full documentation which includes a couple of years of personal income tax returns, a personal financial statement, and other underwriters requirements. However, in the past couple of years, there is a select group of lenders out there require an application only program. These lenders have their own computer scoring model and eliminate the necessary additional paperwork of other lenders. These application only programs are usually restricted to the seasoned business, however there are a few out in the industry which will work with the start up business as well. The amounts of the application only program run as high as $250,000 for the seasoned business and $100,000 for the start up. Additionally, the lender will lease the qualified asset probably from 36-60 months and many won’t finance any equipment and commercial vehicles over ten years old.

It is important to understand the lease terms, the rate factor the lender is charging and the buyout clauses in the lease to take title. If you anticipate paying off the lease early, you should consult your lender to ascertain there is no prepayments for a early payoff. The last thing to understand that the lessee is going to guarantee the lease.

The last point to consider whether you are a start up and/of seasoned business due to economic conditions, there are some unusual specials available for off leases and repos. The lender has excess inventory on their books that they need to liquidated or re-leased as quick as possible. The minimum credit score for the applicant can be as low as 575 and prior bankruptcies may not be an issue in the credit decision.

Either way, spend your proper time investigating the item you are looking for to acquire, get the best price that you can obtain and secure proper financing.

Happy hunting…

J.M Luna has over thirty years in the financial field. This includes accounting and taxes, leasing, hard asset money and working capital loans, and commercial lending. U.S Corporate Capital Leasing Group can assist the small and seasoned business in many different types of industries.

cclgequipmentleasing.comcclgequipmentleasing.com/DealerFinancing.htm

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ArticleRich.com

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cleveland,_Ohio_clinic_performs_US%27s_first_face_transplant&oldid=4627150”

Saturday, March 1, 2008

While nearly all coverage of the 2008 Presidential election has focused on the Democratic and Republican candidates, the race for the White House also includes independents and third party candidates. These parties represent a variety of views that may not be acknowledged by the major party platforms.

Wikinews has impartially reached out to these candidates, throughout the campaign. We now interview independent Presidential candidate Frank Moore, a performance artist.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Frank_Moore,_independent_candidate_for_US_President&oldid=2185149”

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Knob Handle variety of materials

by

Teres DifeoHandles are attachments fixed on access portals such as doors and windows to facilitate pulling open the door or window to effect entry or exit. In many cases, the handle may simply be a knob which is attached to a locking device and helps to also lock the door simultaneously when it is closed. Knobs are essentially different in shape from handles as they are rounded whereas handles are linear in shape. Knobs and handles can be fixed at different points on the door. Some doors have the handle very high up on the door, to ensure that small children cannot access them, while others may have the handle lower down.

In many circumstances, knobs are more difficult to operate, especially for elderly and differently-abled people. They do not provide a firm grip and hence they could be slippery for an elderly person or someone with special needs to operate. In such cases, a lever-functioned handle would be more appropriate.

Some door handles are recessed into the body of the door as in automobile doors. This provides an aesthetically pleasing effect. However for more high-traffic doors, these recessed handles are not recommended, as their spring-lock mechanism may not take much wear and tear. Folding handles are good for balcony-doors and outside windows as they fold back into the frame when not in use.

[youtube]http://www.youtube.com/watch?v=Hj3oaAgH8y0[/youtube]

Knobs and handles come in a variety of materials. Almost all metals can be used but if the knob or handle is to be facing outwards, it needs to be weather resistant, be able to repel rust and corrosion and also provide a good grip when wet. In such cases, highly polished handles may not be suitable, and metal handles may be textured, carved or decoratively embellished to provide some roughness. Brass and bronze knobs and handles provide a classic touch, while plastic handles can look stylish and contemporary.

Knurled or patterned knobs provide a good grip for turning, while lobed knobs are useful for lightweight turning operations. Domed knobs are installed on vertical surfaces and they help water to run off easily when exposed to rain or wet weather. Plastic handles are very effective when there is a need for a tough, non-conducting material which will not rust or corrode or react to aggressive chemicals. Ball-shaped knobs look decorative on drawers and cabinets especially when they’re made of ceramic, painted wood or polished metals. T-shaped knobs are useful in moving levers and gas tanks.

Depending on your specific requirements, you can purchase the correct type of knobs and handles from your local hardware store or order them on-line from manufacturers.In many circumstances, knobs are more difficult to operate, especially for elderly and differently-abled people. They do not provide a firm grip and hence they could be slippery for an elderly person or someone with special needs to operate. In such cases, a lever-functioned handle would be more appropriate.

Some door handles are recessed into the body of the door as in automobile doors. This provides an aesthetically pleasing effect. However for more high-traffic doors, these recessed handles are not recommended, as their spring-lock mechanism may not take much wear and tear. Folding handles are good for balcony-doors and outside windows as they fold back into the frame when not in use.

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Thursday, June 23, 2011

This mosaic was created from two high-resolution images that were captured by the narrow-angle camera when NASA’s Cassini spacecraft flew past Enceladus and through the jets on Nov. 21, 2009. Image: NASA/JPL/SSI.

NASA’s Cassini–Huygens spacecraft has discovered evidence for a large-scale saltwater reservoir beneath the icy crust of Saturn’s moon Enceladus. The data came from the spacecraft’s direct analysis of salt-rich ice grains close to the jets ejected from the moon. The study has been published in this week’s edition of the journal Nature.

Data from Cassini’s cosmic dust analyzer show the grains expelled from fissures, known as tiger stripes, are relatively small and usually low in salt far away from the moon. Closer to the moon’s surface, Cassini found that relatively large grains rich with sodium and potassium dominate the plumes. The salt-rich particles have an “ocean-like” composition and indicate that most, if not all, of the expelled ice and water vapor comes from the evaporation of liquid salt-water. When water freezes, the salt is squeezed out, leaving pure water ice behind.

Cassini’s ultraviolet imaging spectrograph also recently obtained complementary results that support the presence of a subsurface ocean. A team of Cassini researchers led by Candice Hansen of the Planetary Science Institute in Tucson, Arizona, measured gas shooting out of distinct jets originating in the moon’s south polar region at five to eight times the speed of sound, several times faster than previously measured. These observations of distinct jets, from a 2010 flyby, are consistent with results showing a difference in composition of ice grains close to the moon’s surface and those that made it out to the E ring, the outermost ring that gets its material primarily from Enceladean jets. If the plumes emanated from ice, they should have very little salt in them.

“There currently is no plausible way to produce a steady outflow of salt-rich grains from solid ice across all the tiger stripes other than salt water under Enceladus’s icy surface,” said Frank Postberg, a Cassini team scientist at the University of Heidelberg in Germany.

The data suggests a layer of water between the moon’s rocky core and its icy mantle, possibly as deep as about 50 miles (80 kilometers) beneath the surface. As this water washes against the rocks, it dissolves salt compounds and rises through fractures in the overlying ice to form reserves nearer the surface. If the outermost layer cracks open, the decrease in pressure from these reserves to space causes a plume to shoot out. Roughly 400 pounds (200 kilograms) of water vapor is lost every second in the plumes, with smaller amounts being lost as ice grains. The team calculates the water reserves must have large evaporating surfaces, or they would freeze easily and stop the plumes.

“We imagine that between the ice and the ice core there is an ocean of depth and this is somehow connected to the surface reservoir,” added Postberg.

The Cassini mission discovered Enceladus’ water-vapor and ice jets in 2005. In 2009, scientists working with the cosmic dust analyzer examined some sodium salts found in ice grains of Saturn’s E ring but the link to subsurface salt water was not definitive. The new paper analyzes three Enceladus flybys in 2008 and 2009 with the same instrument, focusing on the composition of freshly ejected plume grains. In 2008, Cassini discovered a high “density of volatile gases, water vapor, carbon dioxide and carbon monoxide, as well as organic materials, some 20 times denser than expected” in geysers erupting from the moon. The icy particles hit the detector target at speeds between 15,000 and 39,000 MPH (23,000 and 63,000 KPH), vaporizing instantly. Electrical fields inside the cosmic dust analyzer separated the various constituents of the impact cloud.

“Enceladus has got warmth, water and organic chemicals, some of the essential building blocks needed for life,” said Dennis Matson in 2008, Cassini project scientist at NASA’s Jet Propulsion Laboratory in Pasadena, California.

“This finding is a crucial new piece of evidence showing that environmental conditions favorable to the emergence of life can be sustained on icy bodies orbiting gas giant planets,” said Nicolas Altobelli, the European Space Agency’s project scientist for Cassini.

“If there is water in such an unexpected place, it leaves possibility for the rest of the universe,” said Postberg.

Retrieved from “https://en.wikinews.org/w/index.php?title=Saturn_moon_Enceladus_may_have_salty_ocean&oldid=4453704”

Saturday, January 5, 2008

A Doberman.

An eight-month old boy, Andrew, was attacked and killed by a Doberman Pinscher in Brooklyn, New York. The dog was a three-year old named Mackabee, who is also neutered.

The grandmother was babysitting the boy. While she was in the kitchen she heard the boy scream and ran next door to a neighbor for help. The neighbor took the dog off the boy, rescued him and brought him to his house to try and perform CPR on the boy, while he called 911 for help.

Police said the baby’s head was in bad shape and the dog broke the boy’s skull. Andrew was sent to Kings County Medical.

The doctors tried to save his life by working on him for nearly an hour, but the boy died at 3:06 pm local time. The parents of the child were not home at the time of the incident. The dog was shot with a tranquilizer and was sent to a care center. The city Department of Health is investigating. The dog may have to be put down because of the incident.

According to the US Centers for Disease Control, the Doberman Pinscher is not frequently involved in fatal attacks on humans in comparison to several other dog breeds such as German Shepherds , Rottweilers and others.

Retrieved from “https://en.wikinews.org/w/index.php?title=Baby_attacked_by_dog_in_New_York&oldid=4673653”