pharmawikipedia.org

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CanadaVOTES: NDP candidate David Sparrow in Don Valley West

Friday, October 10, 2008

In an attempt to speak with as many candidates as possible during the 2008 Canadian federal election, Wikinews has talked via email with David Sparrow. Sparrow is a candidate in Ontario’s Don Valley West riding, running under the New Democratic Party (NDP) banner. The riding was set to vote in a by-election on September 22, 2008, following the resignation of John Godfrey, but Stephen Harper’s sudden election call nulled that effort.

Also running in the Toronto riding are Liberal Rob Oliphant, Conservative John Carmichael, Green Georgina Wilcock, and Communist Catherine Holliday.

The following is an interview with Sparrow, conducted via email. The interview is published unedited, as sent to Wikinews.

Retrieved from “https://en.wikinews.org/w/index.php?title=CanadaVOTES:_NDP_candidate_David_Sparrow_in_Don_Valley_West&oldid=4604129”

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London Police seize massive gun cache

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London Police seize massive gun cache
February 18th, 2022 | Uncategorized |

Wednesday, September 13, 2006

In raids that were part of Operation Mokpo, police seized a massive weapons haul from a suburban house.

Officers from Britain’s Metropolitan Police arrested a 55-year-old man after two houses and a business were raided in Dartford, South East of London.

The firearms include hundreds of shotguns, semiautomatic guns and automatic weapons.

Operation Trident officers and Polsa (Police Search Advisor) search teams carried out three search operations early morning though majority of weapon was found in a three bed room house.

“This is the biggest firearms haul we have ever had,” Det. Chief Superintendent Kevin Davis said. “Guns are mounted on every available wall space in the property and live ammunition was found lying on the floor.”

A simultaneous operation is underway in New Jersey, USA.

This was the biggest success for Operation Mokpo, launched 18 months ago after a series of shooting by rival gangs in North London.

Retrieved from “https://en.wikinews.org/w/index.php?title=London_Police_seize_massive_gun_cache&oldid=1241070”

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FC Barcelona presents project for new Camp Nou stadium

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FC Barcelona presents project for new Camp Nou stadium
February 14th, 2022 | Uncategorized |

Saturday, September 22, 2007

British architect Norman Foster and FC Barcelona president Joan Laporta presented today in Barcelona the redevelopment project for the team’s stadium, Camp Nou, built in 1957.

The Catalan club expects that this redesign will turn the stadium into a city landmark and that “the external image of the stadium will become a recognized brand for FCB.” Works will begin in 2008.

The new stadium will be wrapped in a colourful mosaic made up of the teamโ€™s colours (blue and red) and those of the Catalan flag (red and yellow) and reminiscent of Gaudi’s style. This reptile-like cover of tiles and lights will allow the stadium to transform itself according to the time of day and the events taking place. The project also includes the building of a retractable roof.

According to the Club, “the remodelled stadium is designed such that it can be built with minimal disruption FCB normal football activity.”

Retrieved from “https://en.wikinews.org/w/index.php?title=FC_Barcelona_presents_project_for_new_Camp_Nou_stadium&oldid=3574222”

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Immune System In Men &Amp; Women

February 14th, 2022 | Kitchen Home Improvement |

Submitted by: Amanpreet Singh Singh

A strong immune system can make A man seem ‘strangely compelling/

The X-Philes

Our evolutionary roles have equipped us with the biological skills and senses we need for survival. What is often called witchcraft, supernatural power and women’s intuition has been scientifically tested and measured since the 1980s and, for the most part, comes down to a woman’s superiority in all the perceptive senses. Most witches were women who were put to death by men who could not understand the biological differences. Women are simply better at picking up the small nuances in body language, vocal cues, tone of voice and other sensory stimuli. They can also read attitudes and emotions in animals. This allowed ancient women to determine whether or not an animal approaching her nest was dangerous or friendly. A woman can even tell if a dog is feeling embarrassed or if a horse is about to kick. Most men cannot imagine what an embarrassed dog looks like. Women counsel cats. When women are not looking, men kick cats.

To buy such books online you may visit www.uncomplicatelife.com

A strong immune system can make A man seem ‘strangely compelling/

The X-Philes

[youtube]http://www.youtube.com/watch?v=2OSvY0JH4Gw[/youtube]

Our evolutionary roles have equipped us with the biological skills and senses we need for survival. What is often called witchcraft, supernatural power and women’s intuition has been scientifically tested and measured since the 1980s and, for the most part, comes down to a woman’s superiority in all the perceptive senses. Most witches were women who were put to death by men who could not understand the biological differences. Women are simply better at picking up the small nuances in body language, vocal cues, tone of voice and other sensory stimuli. They can also read attitudes and emotions in animals. This allowed ancient women to determine whether or not an animal approaching her nest was dangerous or friendly. A woman can even tell if a dog is feeling embarrassed or if a horse is about to kick. Most men cannot imagine what an embarrassed dog looks like. Women counsel cats. When women are not looking, men kick cats.

To buy such books online you may visit www.uncomplicatelife.com

A strong immune system can make A man seem ‘strangely compelling/

The X-Philes

Our evolutionary roles have equipped us with the biological skills and senses we need for survival. What is often called witchcraft, supernatural power and women’s intuition has been scientifically tested and measured since the 1980s and, for the most part, comes down to a woman’s superiority in all the perceptive senses. Most witches were women who were put to death by men who could not understand the biological differences. Women are simply better at picking up the small nuances in body language, vocal cues, tone of voice and other sensory stimuli. They can also read attitudes and emotions in animals. This allowed ancient women to determine whether or not an animal approaching her nest was dangerous or friendly. A woman can even tell if a dog is feeling embarrassed or if a horse is about to kick. Most men cannot imagine what an embarrassed dog looks like. Women counsel cats. When women are not looking, men kick cats.

To buy such books online you may visit www.uncomplicatelife.com

A strong immune system can make A man seem ‘strangely compelling/

The X-Philes

Our evolutionary roles have equipped us with the biological skills and senses we need for survival. What is often called witchcraft, supernatural power and women’s intuition has been scientifically tested and measured since the 1980s and, for the most part, comes down to a woman’s superiority in all the perceptive senses. Most witches were women who were put to death by men who could not understand the biological differences. Women are simply better at picking up the small nuances in body language, vocal cues, tone of voice and other sensory stimuli. They can also read attitudes and emotions in animals. This allowed ancient women to determine whether or not an animal approaching her nest was dangerous or friendly. A woman can even tell if a dog is feeling embarrassed or if a horse is about to kick. Most men cannot imagine what an embarrassed dog looks like. Women counsel cats. When women are not looking, men kick cats.

To buy such books online you may visit www.uncomplicatelife.com

A strong immune system can make A man seem ‘strangely compelling/

The X-Philes

Our evolutionary roles have equipped us with the biological skills and senses we need for survival. What is often called witchcraft, supernatural power and women’s intuition has been scientifically tested and measured since the 1980s and, for the most part, comes down to a woman’s superiority in all the perceptive senses. Most witches were women who were put to death by men who could not understand the biological differences. Women are simply better at picking up the small nuances in body language, vocal cues, tone of voice and other sensory stimuli. They can also read attitudes and emotions in animals. This allowed ancient women to determine whether or not an animal approaching her nest was dangerous or friendly. A woman can even tell if a dog is feeling embarrassed or if a horse is about to kick. Most men cannot imagine what an embarrassed dog looks like. Women counsel cats. When women are not looking, men kick cats.

To buy such books online you may visit www.uncomplicatelife.com

About the Author: For great shopping deals, rock bottom prices & heavy discounts on branded and royal designer wear visit www.

uncomplicatelife.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=835666&ca=Womens+Interest

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OpenSync Interview – syncing on the free desktop">
OpenSync Interview – syncing on the free desktop

February 14th, 2022 | Uncategorized |

Friday, May 19, 2006

This interview intends to provide some insight into OpenSync, an upcoming free unified data synchronization solution for free software desktops such as KDE, commonly used as part of the GNU/Linux operating system.

Hi Cornelius, Armin and Tobias. As you are now getting close to version 1.0 of OpenSync, which is expected to become the new synchronisation framework for KDE and other free desktops, we are quite interested in the merits it can provide for KDE users and for developers, as well as for the Open Source Community as a whole. So there’s one key-question before I move deeper into the details of OpenSync:

What does OpenSync accomplish, that no one did before?

Cornelius:

First of all it does its job of synchronizing data like addressbooks and calendars between desktop applications and mobile devices like PDAs and cell phones.
But the new thing about OpenSync is that it isn’t tied to a particular device or a specific platform. It provides an extensible and modular framework that is easy to adopt for application developers and people implementing support for syncing with mobile devices.
OpenSync is also independent of the desktop platform. It will be the common syncing backend for at least KDE and GNOME and other projects are likely to join. That means that the free desktop will have one common syncing solution. This is something really new.

How do the end-users profit from using synching solutions that interface with OpenSync as framework?

Cornelius:

First, the users will be able to actually synchronize all their data. By using one common framework there won’t be any “missing links”, where one application can sync one set of devices and another application a different one. With OpenSync all applications can sync all devices.
Second, the users will get a consistent and common user interface for syncing across all applications and devices. This will be much simpler to use than the current incoherent collection of syncing programs you need if you have more than the very basic needs.

How does OpenSync help developers with coding?

Cornelius:

It’s a very flexible and well-designed framework that makes it quite easy for developers to add support for new devices and new types of data. It’s also very easy to add support for OpenSync to applications.
The big achievement of OpenSync is that it hides all the gory details of syncing from the developers who work on applications and device support. That makes it possible for the developers to concentrate on their area of expertise without having to care what’s going on behind the scenes.
I have written quite a lot of synchronization code in the past. Trust me, it’s much better, if someone just takes care of it for you, and that’s what OpenSync does.

Tobias:

Another point to mention is the python wrapper for opensync, so you are not bound to C or C++, but can develop plugins in a high level scripting language.

Why should producers of portable devices get involved with your team?

Cornelius:

OpenSync will be the one common syncing solution for the free desktop. That means there is a single point of contact for device manufacturers who want to add support for their devices. That’s much more feasible than addressing all the different applications and solutions we had before. With OpenSync it hopefully will become interesting for manufacturers to officially support Linux for their devices.

Do you also plan to support applications of OpenSync in proprietary systems like OSX and Windows?

Cornelius:

OpenSync is designed to be cross-platform, so it is able to run on other systems like Windows. How well this works is always a question of people actually using and developing for this system. As far as I know there isn’t a real Windows community around OpenSync yet. But the technical foundation is there, so if there is somebody interested in working on a unified syncing solution on Windows, everybody is welcome to join the project.

What does your synchronisation framework do for KDE and for KitchenSync in particular?

Cornelius:

OpenSync replaces the KDE-specific synchronization frameworks we had before. Even in KDE we had several separate syncing implementations and with OpenSync we can get replace them with a common framework. We had a more generic syncing solution in KDE under development. This was quite similar from a design point of view to OpenSync, but it never got to the level of maturity we would have needed, because of lack of resources. As OpenSync fills this gap we are happy to be able to remove our old code and now concentrate on our core business.

What was your personal reason for getting involved with OpenSync?

Cornelius:

I wrote a lot of synchronization code in the past, which mainly came from the time where I was maintaining KOrganizer and working on KAddressBook. But this always was driven by necessity and not passion. I wanted to have all my calendar and contact data in one place, but my main objective was to work on the applications and user interfaces handling the data and not on the underlying code synchronizing the data.
So when the OpenSync project was created I was very interested. At GUADEC in Stuttgart I met with Armin, the maintainer of OpenSync, and we talked about integrating OpenSync with KDE. Everything seemed to fit together quite well, so at Linuxtag the same year we had another meeting with some more KDE people. In the end we agreed to go with OpenSync and a couple of weeks later we met again in Nuernberg for three days of hacking and created the KDE frontend for OpenSync. In retrospect it was a very pleasant and straightforward process to get where we are now.

Armin:

My reason to get involved (or better to start) OpenSync was my involvement with its predecessor Multisync. I am working as a system administrator for a small consulting company and so I saw some problems when trying to find a synchronization solution for Linux.
At that point I joined the Multisync project to implement some plugins that I thought would be nice to have. After some time I became the maintainer of the project. But I was unhappy with some technical aspects of the project, especially the tight coupling between the syncing logic and the GUI, its dependencies on GNOME libraries and its lack of flexibility.

Tobias:

Well, I have been a KDE PIM developer for several years now, so there was no way around getting in touch with synchronization and KitchenSync. Although I liked the idea of KitchenSync, I hated the code and the user interface […]. So when we discussed to switch to OpenSync and reimplementing the user interface, I volunteered immediately.

Can you tell us a bit about your further plans and ideas?

Cornelius:

The next thing will be the 1.0 release of OpenSync. We will release KitchenSync as frontend in parallel.

Armin:

There are of course a lot of things on my todo and my wishlist for opensync. For the near future the most important step is the 1.0 release, of course, where we still have some missing features in OpenSync as well as in the plugins.
One thing I would really like to see is a thunderbird plugin for OpenSync. I use thunderbird personally and would really like to keep my contacts up to date with my cellular, but I was not yet able to find the time to implement it.

Tobias:

One thing that would really rock in future versions of OpenSync is an automatic hardware detection mechanism, so when you plugin your Palm or switch on your bluetooth device, OpenSync will create a synchronization group automatically and ask the user to start syncing. To bring OpenSync to the level of _The Syncing Solution [tm]_ we must reduce the necessary configuration to a minimum.

What was the most dire problem you had to face when creating OpenSync and how did you face it?

Cornelius:

Fortunately the problems which I personally would consider to be dire are solved by the implementation of OpenSync which is well hidden from the outside world and [they are] an area I didn’t work on ๐Ÿ˜‰

Armin:

I guess that I am the right person to answer this question then ๐Ÿ™‚
The most complicated part of OpenSync is definitely the format conversion, which is responsible for converting the format of one device to the format that another device understands.
There are a lot of subsystems in this format conversion that make it so complex, like conversion path searching, comparing items, detection of mime types and last but not least the conversion itself. So this was a hard piece of work.

What was the greatest moment for you?

Cornelius:

I think the greatest moment was when, after three days of concentrated hacking, we had a first working version of the KDE frontend for OpenSync. This was at meeting at the SUSE offices in Nuernberg and we were able to successfully do a small presentation and demo to a group of interested SUSE people.

Armin:

I don’t remember a distinct “greatest moment”. But what is a really great feeling is to see that a project catches on, that other people get involved, use the code you have written and improve it in ways that you haven’t thought of initially.

Tobias:

Hmm, also hacking on OpenSync/KitcheSync is much fun in general, the greatest moment was when the new KitchenSync frontend synced two directories via OpenSync the first time. But it was also cool when we managed to get the IrMC plugin working again after porting it to OpenSync.

As we now know the worst problem you faced and your greatest moment, the only one missing is: What was your weirdest experience while working on OpenSync?

Cornelius:

Not directly related to OpenSync, but pretty weird was meeting a co-worker at the Amsterdam airport when returning from the last OpenSync meeting. I don’t know how high the chance is to meet somebody you know on a big random airport not related at all to the places where you or the other person live, but it was quite surprising.

Tobias:

Since my favorite language is C++, I was always confused how people can use plain C for such a project, half the time your are busy with writing code for allocating/freeing memory areas. Nevertheless Armin did a great job and he is always a help for solving strange C problems ๐Ÿ™‚

Now I’d like to move on to some more specific questions about current and planned abilities of OpenSync. As first, I’ve got a personal one:

I have an old iPod sitting around here. Can I or will I be able to use a program utilizing OpenSync to synchronize my calendars, contacts and music to it?

Cornelius:

I’m not aware of any iPod support for OpenSync up to now, but if it doesn’t exist yet, why not write it? OpenSync makes this easy. This is a chance for everybody with the personal desire to sync one device or another to get involved.

Armin:

I dont think that there is iPod support yet for OpenSync. But it would definitely be possible to use OpenSync for this task. So if someone would like to implement an iPod plugin, I would be glad to help ๐Ÿ™‚

Which other devices do you already support?

Cornelius:

At this time, OpenSync supports Palms, SyncML and IrMC capable devices.

Which programs already implement OpenSync and where can we check back to find new additions?

Cornelius:

On the application side there is support for Evolution [GNOME] and Kontact with KitchenSync [KDE] on the frontend side and the backend side and some more. I expect that further applications will adopt OpenSync once the 1.0 version is released.

Armin:

Besides kitchensync there already are a command line tool and a port of the multisync GUI. Aside from the GUIs, I would really like to see OpenSync being used in other applications as well. One possibility for example would to be integrate OpenSync into Evolution to give users the possibility to synchronize their devices directly from this application. News can generally be found on the OpenSync web site www.opensync.org.

It is time to give the developers something to devour, too. I’ll keep this as a short twice-fold technical dive before coming to the takeoff question, even though I’m sure there’s information for a double-volume book on technical subleties.

As first dive: How did you integrate OpenSync in KitchenSync, viewed from the coding side?

Cornelius:

OpenSync provides a C interface. We wrapped this with a small C++ library and put KitchenSync on top. Due to the object oriented nature of the OpenSync interfaces this was quite easy.
Recently I also started to write a D-Bus frontend for OpenSync. This also is a nice way to integrate OpenSync which provides a wide variety of options regarding programming languages and system configurations.

And for the second, deeper dive:

Can you give us a quick outline of those inner workings of OpenSync, from the developers view, which make OpenSync especially viable for application in several different desktop environments?

Cornelius:

That’s really a question for Armin. For those who are interested I would recommend to have a look at the OpenSync website. There is a nice white paper about the internal structure and functionality of OpenSync.

Armin:

OpenSync consists of several parts:
First there is the plugin API which defines what functions a plugin has to implement so that OpenSync can dlopen() it. There are 2 types of plugins:
A sync plugin which can synchronize a certain device or application and which provides functions for the initialization, handling the connection to a device and reading and writing items. Then there is a format plugin which defines a format and how to convert, compare and detect it.
The next part is a set of helper functions which are provided to ease to programming of synchronization plugins. These helper functions include things like handling plugin config files, HashTables which can be used to detect changes in sets of items, functions to detect when a resync of devices is necessary etc.
The syncing logic itself resides in the sync engine, which is a separate part. The sync engine is responsible for deciding when to call the connect function of a plugin, when to read or write from it. The engine also takes care of invoking the format conversion functions so that each plugin gets the items in its required format.
If you want more information and details about the inner workings of OpenSync, you should really visit the opensync.org website or ask its developers.

To add some more spice for those of our readers, whose interest you just managed to spawn (or to skyrocket), please tell us where they can get more information on the OpenSync Framework, how they can best meet and help you and how they can help improving sync-support for KDE by helping OpenSync.

Cornelius:

Again, the OpenSync web site is the right source for information. Regarding the KDE side, the kde-pim@kde.org mailing list is probably the right address. At the moment the most important help would be everything which gets the OpenSync 1.0 release done.
[And even though] I already said it, it can’t be repeated too often: OpenSync will be the one unified syncing solution for the free desktop. Cross-device, cross-platform, cross-desktop.
It’s the first time I feel well when thinking about syncing ๐Ÿ˜‰.

Armin:

Regarding OpenSync, the best places to ask would be the opensync mailing lists at sourceforge or the #opensync irc channel on the freenode.net servers.
There are always a lot of things where we could need a helping hand and where we would be really glad to get some help. So everyone who is interested in OpenSync is welcome to join.

Many thanks for your time!

Cornelius:

Thanks for doing the interview. It’s always fun to talk about OpenSync, because it’s really the right thing.

Armin:

Thank you for taking your time and doing this interview. I really appreciate your help!

Tobias:

Thanks for your work. Publication and marketing is something that is really missing in the open source community. We have nice software but nobody knows ๐Ÿ˜‰

Further Information on OpenSync can be found on the OpenSync Website: www.opensync.org


This Interview was done by Arne Babenhauserheide in April 2006 via e-mail and KOffice on behalf of himself, the OpenSource Community, SpreadKDE.org and the Dot (dot.kde.org).It was first published on the Dot and is licensed under the cc-attribution-sharealike-license.A pdf-version with pictures can be found at opensync-interview.pdf (OpenDocument version: opensync-interview.odt)

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

Retrieved from “https://en.wikinews.org/w/index.php?title=OpenSync_Interview_-_syncing_on_the_free_desktop&oldid=4635201”

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Swiss reject single health insurance">
Swiss reject single health insurance

February 14th, 2022 | Uncategorized |

Monday, March 12, 2007

24 of 26 Swiss Cantons rejected the proposal for a single health insurance system, in which premiums would be based on income and wealth. The vote on Sunday was the latest in a series of attempts to cut rising costs and ease the financial burden on citizens.

Around 71% of voters rejected the reform. Turnout was at about 46%, slightly above the Swiss average.

As expected, voters in the main German-speaking part of the country turned down the planned reform, which was supported by the centre-left but opposed by the centre-right as well as the business community, parliament and the government.

Opposition in the French and Italian speaking regions was less pronounced. The cantons Jura and Neuchรขtel in the French speaking regions voted in favor of the proposed reforms.

Health insurance premiums are higher in southern and western Swiss cantons than in German-speaking areas.

The Swiss Interior Minister Pascal Couchepin said an important part of the Swiss Population appeared to be opposed to “a revolution” in health insurance but he said that he wanted current reforms currently under discussion in the Swiss Parliament to go ahead. He called on all sides, especially health insurers and the cantonal authorities, to make efforts to reduce spending on health insurance and aim for a greater cost efficiency. Currently Switzerland has 87 private insurers providing mandatory basic health care coverage for Swiss residents under a 1996 law. But costs have sky-rocketed. Over 100,000 people are not covered by health insurance due to non payment.

To win the battle of the cost of health care, everyone must place his or her private interests behind the interests of the general public. -Pascal Couchepin at a news conference

Opponents to the initiative argued that a single insurance system would lead to complacency and create a two-tier system, in which the wealthy would be the only ones available to afford to have additional private insurance coverage.

Supporters of the initiative said a single health insurer would increase the system’s efficiency and allow for annual savings of at least 300 million Swiss Francs (about $245 million) in administrative costs. Currently, the funding system is unbalanced, since many clients on low incomes use state subsidies to pay their premiums, according to the Green Party and the Social Democrats.

The initiative to unite all the insurance companies and introduce premiums based on wealth and income was the most recent in a series of attempts over the past ten years to reduce the public spending on health care. A proposal, similar to this recent proposal, to modify the funding system of the health insurance companies was rejected by 73% of voters in 2003.

Switzerland has the most expensive health system in Europe. Switzerland’s expenditure on health care was 11.6% in 2005, in front of Germany and France but behind the United States.

Learn more about Swiss Federal Council and Voting in Switzerland on Wikipedia.
Retrieved from “https://en.wikinews.org/w/index.php?title=Swiss_reject_single_health_insurance&oldid=4583392”

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Africans keep the leading position at 2008 Mumbai Marathon">
Africans keep the leading position at 2008 Mumbai Marathon

February 13th, 2022 | Uncategorized |

Sunday, January 20, 2008

The Standard Chartered Marathon, nicknamed “The Greatest Race on Earth“, held its third stage in Mumbai, India today. Because of the scorching hot weather in India, marathon runners had to adapt to the weather to overcome the challenge.

More than 30,000 runners participated in this race, joined by local NGOs and disabled who participated in a special charity short-distance running including 6km dream run, 4.3 km senior, and 2.5km wheel-chair classes. Gabriela Szabo, former Romanian Olympic Gold Medalist, named as charity ambassador of the race, was pleased by the participation from experts and NGOs.

An hour into the race, former champion Daniel Rono and Joseph Kimisi took the lead, but then Tariku Jifar from Ethiopia and defending champion John Ekiru Kelai took over Rono and Kimisi. After 40 kilometres, Kelai took a decisive lead and finally retained his champion title in 2 hours 12 minutes 22 seconds.

In the Women’s Group, Mulu Seboka from Ethiopia won the champion with 2H30m03s. Local runners Surendra Singh & Kavita Raut won the Men’s and Women’s Champions in the half-marathon class.

Division & Groups Men’s Group Women’s Group
South East Asia Dang Duc Bao Nguyen (Vietnam) 2:30’57” Pacharee Chaitongsri (Thailand) 2:55’29”
North East Asia Chin-chi Chiang (Chinese Taipei) 2:33’33” Xin Zhang (China) 2:53’59”
South Asia and Middle East Ajith Bandara Adikari Mudiyanselage (Sri Lanka) 2:24’07” Lakmini Anuradhi Bogahawatta (Sri Lanka) 3:04’21”
Africa John Ekiru Kelai (Kenya B) 2:12’22” Irene Kemunto Mogaka (Kenya B) 2:32’50”
Europe and Oceania Oleg Kharitonov (Russia) 2:30’55” Helen Stanton (Australia) 2:52’33”
America Paulino Canchanya Canchanya (Peru) 2:28’13” Rosangela Figueredo Silva (Brazil) 2:58’16”

Division & Groups Men’s Group Women’s Group
South East Asia Vietnam Thailand
North East Asia Chinese Taipei China
South Asia & Middle East India Sri Lanka
Africa Kenya B Kenya B
Europe & Oceania Russia Finland
America Peru United States
Retrieved from “https://en.wikinews.org/w/index.php?title=Africans_keep_the_leading_position_at_2008_Mumbai_Marathon&oldid=4522317”

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Are Fha Loans The Replacement For Subprime Mortgage Lending?

February 13th, 2022 | Financial Solutions |

Submitted by: Max Fischer

The story of the collapse of the housing market is familiar to every American. How too many people took out subprime mortgages that they could not afford, and when home prices fell and adjustable interest rates rose millions of homeowners were forced into foreclosure. Today, many prospective homebuyers, especially those with poor credit, have heard about loan programs offered by the U.S. Federal Housing Authority (FHA).

Borrowers, especially those with poor credit, may wonder if FHA loan programs are a replacement for subprime lending. The risks and history of the subprime market make many borrowers jittery, but many consumers don t know the facts about FHA programs and what it takes to meet FHA qualification guidelines.

Subprime Mortgages

To compare FHA loan programs with subprime mortgages, you first need to understand the subprime market.

Subprime lending means making loans that are in the riskiest category of mortgage loans. Risk is determined by many factors including the borrower’s credit rating (typically a FICO score below 640), the size of the loan, the structure of the loan, the ratio of the borrower s debt to income, the ratio of loan to value, and the documentation on loans that do not meet Fannie Mae or Freddie Mac underwriting guidelines for prime mortgages (these are called “non-conforming loans”).

[youtube]http://www.youtube.com/watch?v=mFJChFepj18[/youtube]

In recent years, culminating in the 2006 and 2007, subprime lending grew into a huge segment of the mortgage industry. By March 2007 the total value of subprime mortgages in the U.S. was estimated at $1.3 trillion. But borrowers defaulted in record numbers, and by the third quarter of 2007 subprime adjustable-rate mortgages (ARMs), which comprised only 6.8% of U.S. mortgages, accounted for 43% of the foreclosures. Approximately 16% of subprime ARMs were either 90-days delinquent or in foreclosure. By May 2008 the delinquency rate was 25%.

The basic fact is that a subprime mortgage, just like a conventional mortgage, uses a house as collateral for the loan. If the loan defaults, foreclosure proceedings commence and the borrower ultimately is faced with losing their home. A U.S. government safety net is not part of the equation in this scenario.

FHA Loans Provide Insurance

The FHA can provide a safety net. But in contrast to banks and other lenders, the FHA does not make loans. It does not build, buy, or sell houses. To get a mortgage or a home equity loan, you have to go to a lender such as a bank, just as you have always done.

What is commonly called an “FHA loan” is really an insurance policy. If a borrower meets the FHA credit requirements, The FHA provides insurance to the lender and makes it possible for the lender to assume less risk. If the homeowner defaults, FHA will pay a claim to the lender.

How FHA Loan Programs Can Help You

If you are a poor credit risk, you may not qualify for the best (or prime) lending rates. Since the global financial crisis, lenders have tightened their requirements and many borrowers who qualified for subprime or even prime loan packages are being denied credit. What an FHA loan program can do for you is get you better terms from your lender and perhaps make the difference between getting a loan and being denied.

Here’s the process: when you go to an FHA-approved lender such as a bank or mortgage company, the lender may ask that you apply for FHA mortgage insurance. You may also request that you be considered for FHA mortgage insurance. A loan that is offered to you must meet certain requirements established by FHA to qualify for insurance. The FHA then investigates your finances and credit history. If you meet FHA credit requirements, the FHA insures the lending institution against loss of principal in case you fail to pay your mortgage. In some cases the lender may be able to give you a lower interest rate than you otherwise would have received.

If you have good credit you may not want an FHA loan because the FHA charges a small fee to you, the borrower, and therefore you may be able to get private mortgage insurance at a lower rate. But if you have poor credit, it is definitely worthwhile to consider an FHA loan.

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Police remove valuables from unlocked cars">
Police remove valuables from unlocked cars

February 12th, 2022 | Uncategorized |

Thursday, August 27, 2009

Police officers in Richmond in south-west London, England are removing valuable items like handbags and laptops from unlocked vehicles and leaving notes telling owners to collect their items in Twickenham police station in a bid to try and encourage car drivers to lock the doors of their vehicles.

There is a high number of in-car thefts or “smash and grab” attacks in the borough. Last year, 1,300 of these attacks were reported in the area. 220 of those cases involved satellite navigation systems or sat-navs. But the numbers of these thefts occurring have been rising recently. The figure has risen by 40% until July.

25 cars have been targeted so far but there has been only one car where an item has been removed with a note left for the owner to collect it. If there is nothing on display but the car is unlocked the owner will be sent a letter telling them to be more careful. These tactics should only be attempted by police officers if they cannot find the owner nearby.

The project has received the backing of Richmond Council. A council spokesman from Richmond-upon-Thames said: “We have issues with theft in the borough โ€” particularly theft from cars. We see our borough as a green and pleasant place. Car owners therefore can be lulled into a false sense of security in that they leave items displayed prominently in unlocked cars.”

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Ontario Votes 2007: Interview with Green Party candidate Brett McKenzie, London North Centre">
Ontario Votes 2007: Interview with Green Party candidate Brett McKenzie, London North Centre

February 11th, 2022 | Uncategorized |

Saturday, October 6, 2007

Brett McKenzie is running for the Green Party of Ontario in the Ontario provincial election, in the London North Centre riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

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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