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April 23, 2018

Banks That Offer Auto Loans For Bad Credit Individuals 5 Tips

Filed under: Wealth Management — @ 1:21 am

By Everett Maclachlan

When it comes to auto loans, people with good or excellent credit (credit scores above 700) don’t know how good they have it. For these borrowers, auto loans are easy to come by. And, not only that, but these lucky folks are offered at the lender’s primo interest rates: the lowest the lender is able to offer to anybody. Yes, for such a borrower, one can feel like a V.I.P. when they walk into the lending office.

But, what about the rest of us? Those with fair or poor credit scores do not have such a nice time when attempting to finance a car. If a bad credit person even gets approved at all, they count themselves lucky – and then smile while paying ridiculous interest rates.

Fortunately, there are banks that offer auto loans for poor credit individuals. These auto lenders can be a godsend for bad credit individuals who need a car. Here are 5 tips for getting approved for the best-possible interest rate from these banks:

1. Most banks avoid credit-challenged individuals like the plague:

There is a good reason why most banks do not like to lend to bad credit individuals. And, it may not be for the reason that you think. Sure, banks feel they are at greater risk for a loan default when they lend to people with poor credit scores. But, that is not the real reason why they prefer not to loan to them. The real reason is: looking at factors beyond the credit score is more work for them.

[youtube]http://www.youtube.com/watch?v=mj0FCb4eaGg[/youtube]

You see, banks know that there are plenty of credit-worthy people out there who have low credit scores. But, taking the time to identify other factors that makes them worthy of an auto loan would just be too time-consuming. They would rather simplify everything down to a single 3-digit credit (FICO) score. And, who can blame them?

2. Some banks actually seek out bad credit individuals to lend to:

The good news is that there are a handful of banks out there who actually look to lend to people with low credit scores. These banks are willing to take a bit more time to really understand each individual borrower to determine whether they are worthy of lending to. In short: they look beyond the credit score.

3. Start with a list of multiple bad credit lenders and make them fight over you:

To get hooked up with one of these banks, start by searching for and making a list of multiple bad credit lenders. You are going to want to “force” them to compete for your business, so make sure that your list includes at least 3-4 lenders.

4. Know your credit score:

Spend a few minutes to find out your credit score with one, if not all three, of the major credit bureaus. Even if you already know you have a bad credit score, you will be more empowered in negotiations if you know exactly where you stand.

5. Before applying, choose a reasonably-priced car:

One final tip: before applying for loans with these lenders, make sure to choose a car that is within your means. It is true that some bad credit lenders will lend almost any amount of money to the right borrower, but the fact is that you will increase your chances of loan approval by choosing a reasonably-priced car.

Follow these 5 tips for finding banks that offer auto loans for bad credit individuals.

About the Author: Get a list of bad credit auto loan lenders in your area at:

Bad Credit Auto Lenders

.

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Australian government provides $15.8 million for North Adelaide Technical College

Filed under: Uncategorized — @ 1:16 am

Tuesday, June 27, 2006

Australian Minister for Vocational Education and Training, Gary Hardgrave has announced the government will provide AU$15.8 million to establish an Australian Technical College in North Adelaide. The minister said the government was entering into a partnership with the Archdiocese of Adelaide and consortium of industrial and manufacturing companies.

The North Adelaide college will be located in Elizabeth and be operated as an independent non-government school. The college is one of 25 to be established across the country.

Enrolments at the college will begin in 2007 and will offer courses in areas where identified skills shortages exist in the North Adelaide region, specifically – engineering, construction, electronics and cooking.

Mr Hardgrave said that the proposed college had been popular among the North Adelaide business community. “This important initiative has been well received by North Adelaide business and industry, and will help to address skills needs and provide opportunities for those in greatest need, including a lot of Indigenous students in the region,” Mr Hardgrave said.

“The fact that this College is being led by local employers, local government and other key stakeholders, means it will be truly industry and community driven,” he said.

Australian Technical Colleges were established to cater for year 11 and 12 students who wish to do an apprenticeship as part of their school education.

The Australian Education Union has expressed a number of concerns about the model put forward by the government. In a report, they claim that trade facilities at TAFE colleges (operated by state governments) will deteriorate as funding is diverted to the ATCs. The union is also concerned that ATCs are supposed to be selective VET schools. According to the union they will have selective entry and preferential funding. It is feared that teachers will be lured away from schools and TAFE colleges to higher paid positions in ATCs.

The Education Union suggested that the government invest in schools that already offer vocational education programs.

Criticism over Qingzang Railway as opening nears

Filed under: Uncategorized — @ 1:10 am

Friday, April 28, 2006

            Claimed by Tibetan exile groups.
Tibetan areas designated by PRC.
Tibet Autonomous Region (actual control).
Claimed by India as part of Aksai Chin.
Claimed by the PRC as part of TAR.
Other historically culturally-Tibetan areas.

The Qingzang Railway is a project by the Chinese Government to build a unique railway linking Tibet with Mainland China. The railway will include sections at high altitude, crossing 5000 metre high mountains, long tunnels and lots of track laid on permafrost. The railway is being hailed in China as “an engineering miracle”, but has attracted criticism from across the world over fears that the railway, the first to link it to outside the region, will increase Chinese control over the Tibetan autonomous region and will erode Tibetan culture and traditions.

Currently, Tibet can only be reached by air and by road. Departing from lower-altitude airports to fly into Tibet carries the risk of experiencing high altitude sickness, and the landing at Lhasa can be ‘hair-raising’. Travelling by road means several days on a bus or hitchhiking on trucks over windy mountain roads. When the Quingzang Railway opens, it is expected that direct trains will run from Beijing and other cities.

China has long received criticism over its treatment of Tibet. The Tibet Autonomous Region excludes many areas claimed to be part of ‘historic Tibet’, and the former government of Tibet, headed by the Dalai Lama, now live in exile in India. China claims that the railway will bring greater freedoms and economic opportunities to the people of Tibet. For an area that has long been in relative isolation though, the railway is bound to have a profound effect. Locals may worry about what would happen to their trade if they were suddenly forced to compete with businesses from Mainland China. Much of Tibet is also ancient, with old buildings and traditional practices, which may be under threat from the new physical link with China.

There are also concerns from environmentalists. The passage between Tibet and China contains some unique flora and endangered animal species, such as Tibetan antelope, which may be threatened by the railroad. Construction of the railway will generate 7,000 tons of rubbish from 20,000 builders. Some of this rubbish will have been buried on the spot whilst some forms of non-degradable rubbish which may pollute water is said to have been transported to Golmud or Lhasa for treatment. A bridge is also said to have been built at Wudaoliang Basin to enable animals to cross. Once open the railway will generate more waste, and whilst the carriages are said to be enclosed, preventing passengers from throwing out rubbish, it remains to be seen what additional impact the running of the railway will create.

As well as passengers, the railway will also have a strong use in transporting freight, currently carried on trucks. This will mean that more coal and petroleum-based products will be brought into Tibet. Whilst China claims that this will enable Tibetans to stop logging pine trees for fuel, aiding the local ecology, the railway will accelerate Tibet’s use of climate-damaging fossil fuels.

Some Canadian student groups had called for a boycott of the Bombardier Transportation group, who has a contract with China to provide some of the carriages.

Most of the line is now complete, ahead of schedule. Signaling equipment is currently being installed, with trials said to begin in July. The railway is scheduled to open fully in 2007. Luxury carriages will carry tourists, with sleeping compartments and oxygen tanks to enable breathing within the high-altitude areas.

Hiker missing from US state of Utah wilderness found in Australia

Filed under: Uncategorized — @ 1:07 am

Tuesday, August 23, 2005

A man missing from a camping ground in southern Utah in the Western US since July 30 was found in Australia. His automobile was found in a campground of Dixie National Forest with a note that he would be back in a few hours. An extensive search and rescue operation was conducted to try to locate this hiker by the Washington County Sheriff’s Office in Utah.

Investigators in the Sheriff’s Office were able to track him down to Cairns, Queensland. Apparently before he was “missing”, he bought a one-way ticket to Australia. Bryan Butas, the missing hiker, apparently had been under a great deal of stress and “got sick of it all”, according to a telephone interview by the Associated Press.

Butas has been charged with insurance fraud, a second-degree felony, by Washington County Attorney Brock Belnap. This was because Butas plotted to obtain a $250,000 life insurance policy before faking his own disappearance. He has also been given a bill for $20,000 by the Washington County Sheriff’s Office for their search and rescue operations on his behalf.

His wife and children have since his disappearance moved to the wife’s parent’s home in Ohio. Butas’s parents came to Southern Utah to help in the search and were “embarrassed and shocked” to learn their son had merely run away from marital and financial difficulties, Washington County Sheriff Kirk Smith said.

Washington County Sheriff Sgt. Jake Adams said his investigation included tracing an application Butas made for a passport, his purchase of a one-way airline ticket to Australia, and the life insurance policy that names his wife and children as beneficiaries. On August 18, Adams said Butas’s mother called him to say her son had called home the evening of August 11, several days after the search was officially called off for the missing man. Butas asked his mother for money and an airline ticket home, which she sent.

Butas has since been checked into the Veteran’s Administration Hospital in Brecksville, Ohio, according to Adams, but will shortly return to Utah.

April 22, 2018

Restore Your Rug With Oriental Rug Repair In New York City

Filed under: Barbecue And Grilling — @ 3:04 pm

byAlma Abell

For many centuries people have used as well as still use Oriental rugs to adorn their homes. The creations of both Oriental and Persian rugs are made from old world handicrafts. Unfortunately today with all of the latest technology the deep rooted designs of Oriental rugs and Persian rugs are really non existent in the modern world. Replicas of these types of rugs lack the beauty, precision and workmanship that is very common with antique rugs. For this reason many people that do own a true and genuine antique oriental or Persian rugs will usually store the rugs away for safe keep.

People fear that their beautiful works of art will be destroyed with everyday wear and tear. There are also many situations in which someone may have inherited one of these very expensive rugs but do not understand its real value. There really is no need to store your rug or to hide it in order to preserve it. If you have an Oriental rug that you have been storing away in order to prevent further damage you can now bring it back to life with Oriental Rug Repair in New York City.

Oriental Rug Repair in New York City is the processes used in order to restore your Oriental rug or even Persian rugs back to the day it was created. The Golden Horn specializes in both Persian rug repair as well as Oriental Rug Repair in New York City. No matter if your rugs or rugs have fire, water or moth damage or need re sizing, the The Golden Horn is able to carefully repair your rug so that you may either display it in your home or store it for even longer life.

Oriental Rug Repair in New York City is also able to repair holes, warn areas, rips, fringes, binding as well as reweaving. In addition to Oriental Rug Repair in New York City, The Golden Horn also specializes in cleaning and maintenance of your rug. If you are in search of an antique rug for your home they also have a large variety of true and authentic, antique oriental rugs for sale.

Brazilian environmentalists tell residents to urinate in shower to save water

Filed under: Uncategorized — @ 1:39 am

Wednesday, August 5, 2009

Environmentalists in Brazil are urging the country’s residents to urinate in the shower while washing themselves, to help conserve water and save the rainforest. Television ads being aired in the country claim that by doing so, the nation could save over 1,000 gallons of water per household each year.

SOS Mata Atlantica ran the ad campaign in an attempt to use comedy to get people to reduce the amount of water they use. “[The ad is] a way to be playful about a serious subject,” said Adriana Kfouri, a spokesperson for Atlantica.

The animated ad narrated by children shows people, including a trapeze artist, an alien and dancers, all taking a shower while at the same time, urinating in it. The ending of the ad then states, “Pee in the shower! Save the Atlantic rainforest!”

Ken Livingstone, former mayor of London, England, proposed a similar campaign in 2006. He said urine should be classified as a “green waste” and that “there is no earthly reason that you need to flush the loo if you have merely urinated. That’s a huge saving of water.”

April 21, 2018

Oil spill hits Australia’s Sunshine coastline

Filed under: Uncategorized — @ 1:17 am

Sunday, March 15, 2009

200,000 litres of oil leaked into waters off the coast of Brisbane from the Pacific Adventurer when their fuel tanks were damaged in rough seas on Wednesday. The figure is about ten times higher than the original estimate of twenty thousand litres of oil. The devastating diesel oil spill has spread along 60 kilometres (37 miles) of the Queensland coast. In addition, 31 containers with 620 tonnes of ammonium nitrate fertiliser flew overboard during the violent storm.

Questions are being asked why the Hong Kong cargo ship was out in seas with nine meter waves caused by Cyclone Hamish, a Category 5 tropical cyclone, as well as why the fertiliser containers were not properly secured. One of the overboard containers ruptured the hull of the Pacific Adventurer, causing between 30 to 100 tonnes of oil to spew from the severely damaged ship.

If the ammonium nitrate mixes with the heavy oil, an explosion could occur. None of the containers have been recovered. Some of these may float, but it is believed that they may have sunk which then may cause algal blooms.

Disaster zones have been declared at Bribie and Moreton Islands, and along the Sunshine coast.

The vessel’s owner, Swire Shipping, reported that a second leak began on Friday, when the ship began listing after docking at Hamilton for repairs. “As full soundings of the vessel’s tanks were being taken at the port to determine how much oil had leaked from the vessel, a small quantity of fuel oil escaped from the Pacific Adventurer,” it stated. The ship was brought upright, and a recovery vessel was used to suck up the oil from the water. The leak produced a 500m-long oil slick down the Brisbane River. Booms were placed around this oil spill so that a skimmer could clean up the second spill.

Swire Shipping could face clean up costs of AU$100,000 a day as well as fines up to AU$1.5million (US$977,000; £703,000) if found guilty of environmental breaches or negligence.

Sunshine Coast beaches are slowly starting to be reopened. The beach of Mooloolaba was still closed following reports of burning sensations from swimmers. 12 beaches remain closed; however, 13 have been reopened.

Over 300 state government and council workers are using buckets, rakes and spades in the clean up effort. Sunshine Coast Mayor Bob Abbott says the majority will be gone by Sunday afternoon. The full environmental impact on wildlife is not yet known. One turtle and seven pelicans have been found covered in oil.

There are concerns that the drinking water of Moreton Island is at risk, as the island uses water from the underground water table near the oil spill site.

“Every bucketload of contaminated sand has to be removed from the island by barge, and each bucketload from a front-end loader weighs about one tonne. It’s just an impossible task,” said Mr Trevor Hassard of the Tangalooma Dolphin Education Centre.

The commercial fishing industry has suffered from the incident. Trawlers won’t resume operations until Sunday evening, and any catches will be tested for human consumption.

Bomb blasts near Greek Minister’s house

Filed under: Uncategorized — @ 1:15 am

Tuesday, May 30, 2006

A bomb exploded near the house of the Greek Culture Minister,Georgios Voulgarakis, in Lycabettus Hill, Athens, wrecking a number of cars.

The device, which the police said consisted of 2-3 kg (4-7lb) of dynamite, had been placed on a bike left between two cars.

The explosion at 7:42am (GMT +2), close to the home of Minister Voulgarakis, is the second time the former Minister for Public Order has been the target of a bomb attack.

While the perpertrators are not yet known, Giorgos Voulgarakis, who had been receiving death threats, is unpopular with leftist parties over questions of immigration.

A trained dog of a Greek anti-terrorist unit had been sniffing around the area of the Minister’s home each morning. The September 2003 attack nearly burned down his house.

Two primary schools and a kindergarten nearby were slightly damaged but there were no reported injuries.

As bomb technicians searched the school grounds, frantic parents rushed to take their children home.

The leftist “Epanastatikos Laekos Agonas”(Revolutionary popular rally), is the group which some Greek media have accused for today’s bomb attack. No official claim of responsibility has yet been made and the police investigation continues.

All the Greek parties, including the major opposition party, PASOK; the Communist Party (KKE), Synaspismos and LAOS parties, have strongly condemned the terrorist attack.

April 20, 2018

Where To Shop The Best Bed Spread And Comforters

Filed under: Trucks — @ 3:15 pm

By Jo Williams

Throughout the course of our lives, we will spend about 1/3 of our time sleeping. But even with that knowledge, most of us settle for substandard conditions when it comes to our bed. Think about it – when was the last time you treated yourself with a new bed spread or comforter? If you are like most people, the answer is clearly too long. In this article, we’ll tell you where to shop for the best bed spread and comforters so that you can break your current nocturnal doldrums.

One of the best places to shop for bed spreads and comforters is at Bed Bath & Beyond. This store carries a wide array of bed spreads and comforters that are sure to turn your next nights sleep into a magnificent one. They offer hundreds of bed spreads in several contemporary colors and designs. In addition, they have bed spreads to fit any temperature and preference, offering classic comfort in cotton, silk, and micro suede. As for comforters, Bed Bath & Beyond offers an amazing selection of down and flannel comforters that will keep you comfortable the whole night through. If you want the best bed spread and comforters, this is one store that you absolutely have to check out.

Target is another place to shop for the best bed spread and comforters. Target offers hundreds of different designs that boast wonderful colors, and the best feature of all may just be the price. The bed spreads and comforters at Target can all be found at very nice deals, and chances are good that there is a Target in your area.

[youtube]http://www.youtube.com/watch?v=D56fGSrKxzA[/youtube]

J.C. Penney represents another solid option when choosing bed spreads and comforters. This store is very good for those who are on a budget, as J.C. Penney regularly runs deep discounts on their bedding products. They also carry a large selection of bed spreads and comforters that may require a whole day just to sort out! If you have a good idea of what you are looking for in a bed spread or comforter, you can bet J.C. Penney probably carries it.

One last recommendation if you are shopping for the best bed spread and comforters would be to check out L.L. Bean. This company carries very casual colors and designs, but they feel oh so comfortable. While this line of bed spreads and comforters will probably not appeal to those people looking for something fancy, the warmth and look of these items will be very appealing to most anyone else.

We hope that you now have a better idea about where to shop the best bed spread and comforters around. Whether you are looking for top of the line silk with a higher price tag, or you prefer the coziness of flannel and down at just the right price, the shops mentioned above should be just the ticket. Welcome to the world of amazing sleep – you may never look at bedding the same again!

About the Author: Jo Williams has an interest Home & Garden related topics. To access more information on

goose down comforter

or on

teen comforter

, please click on the links.

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Free Workout Plans Achieving Great Fitness With Body Core Condition

Filed under: Housekeeping — @ 3:04 pm

By Josh Neumann

There are few better free workout plans than body core conditioning. Quite simply, this is one of the best workouts to achieve your fitness goals now.

What is body core condition, and how can it help you? Here’s a brief synopsis into these amazing free workouts and why they will transform your health starting today.

The body core is the midsection of the body, including the abs, back and chest muscles. It is critical that you keep these areas of your body in good shape; here are some tips that will help you stay fit and active for as long as you live.

The body core is what provides you with stability, balance and flexibility. Believe it or not, every movement your body does originates in the core muscles. That’s why it’s so important to keep this area of your body fit.

[youtube]http://www.youtube.com/watch?v=O3h5Q25hox0[/youtube]

When you workout your body core, you improve the overall effectiveness of your limbs. Instead of merely focusing on building muscle, by creating a stable and strong base for those muscles, you will be able to achieve far greater strength and flexibility than you ever believed possible.

The great thing about body core workouts is that they are very natural movements, because they imitate your everyday movements. Instead of putting an undue amount of strain on your limbs, these exercises focus exclusive on the body core muscles, which in turn allow you to achieve maximum strength in your other muscles.

Most people attempt to merely workout their biceps or other muscles, and forget about the body core. Although other free workout plans certainly can be helpful to achieve strength and fitness, without good body core conditioning you will never reach your full health potential.

Two popular exercises for the body’s core muscles are the Pilates exercise and the Swiss ball workout. To put it simply, Pilate exercises force you to breathe properly and also perform slow and controlled movements that allow you to strengthen your body’s core muscles.

The Swiss ball is a fun workout plan to achieve your fitness goals. You can certainly perform many great workouts with it, too many to go into right now.

However, even merely sitting on the Swiss ball will create the instability you need to exercise the core muscles needed to achieve proper balance. Many people have found this workout plan very effective for attaining body core strength very quickly. It obviously does cost some money to purchase the Swiss ball, but if you have the money, it’s definitely worth the investment.

There certainly are more free workout plans that you can do to achieve good body core conditioning; this is merely a brief summary of the best ones available. Do your research, decide which workout sounds the best to you, and get started. Don’t make excuses, and don’t put off until tomorrow what can be done today. Get started now!

About the Author: To learn more great tips on finding

fitness equipment for your home gym

, check out

onlinefitnesstips.com

.

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isnare.com

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