By Zhanna Krupnikov

Home, undoubtedly, is the most prized possession of any individual. It is also one of the most vital but expensive investments. No matter which part of the world you might reside in, purchasing a home is one of the most daunting tasks. One should think twice before using it as a collateral to get a home equity line of credit. Experts hold the view, and rightly so, that home equity line of credit is one option that should only be used in such extreme conditions like settling the medical or education bills or attending some other urgent home requirements.

Home equity line of credit is very similar to credit cards. Here also you have a credit limit and it is entirely up to you as to when you want to use that amount. This is one major differentiating factor between home equity line of credit and other mortgages.

Another important aspect of home equity line of credit is the fact that the borrower does not get the entire amount upfront. Rather funds can be drawn anytime within the specific period. The interest rate levied on home equity line of credit also varies. This change is dependent on such market indices like prime index.

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While repaying home equity line of credit one can opt to pay only the minimum amount required. This includes a portion of the principal as well as interest. However, paying minimum amount would mean that probably the payments made are not enough to cover the entire principal. This would make the borrower obliged to pay a considerable amount at the end of the term.

If the borrower fails to keep his end of the bargain on both the above mentioned situations then he runs the risk of foreclosure. It is because of this fact that it is advised that one opts to pay an amount that is more than the minimum required amount. This would ensure that one regularly pays off a portion of the principal so that he needs to pay a lesser amount to cover the principal at the end of the term.

In the end it can be concluded that it is the flexibility in terms of borrowing and repayment that makes home equity line of credit such an attractive financial option. The interest paid here tax deductible in certain cases which make it even more useful. Another important aspect of home equity line of credit is the fact that the borrower does not get the entire amount upfront. Rather funds can be drawn anytime within the specific period. The interest rate levied on home equity line of credit also varies. This change is dependent on such market indices like prime index.

While repaying home equity line of credit one can opt to pay only the minimum amount required. This includes a portion of the principal as well as interest. However, paying minimum amount would mean that probably the payments made are not enough to cover the entire principal. This would make the borrower obliged to pay a considerable amount at the end of the term.

Check out www.amortgages.ca for information on different refinancing options.

About the Author: Please visit the website Amortgages.ca if you are interested to learn more about home equity line of credit. The site also provides valuable information about mortgage Maple and mortgage Markham.

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Saturday, December 29, 2007 

File:JacobZuma.jpg

Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

Thursday, July 3, 2014 

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Submitted by: Calvin Washin

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Moreover, you can see as well as enjoy for yourself the beautiful homes and great financing deals that the outer banks homes for sale are offering. You and your family members can talk and collaborate well to pick the house of your choice. It is important that the designs that you will choose will be loved by every members of the family. The offer cost of each house is just right and a family or couple, or even a single person searching for a new home will surely enjoy and take the chance to get the best way to have their own house there. Of course, money matters most in choosing and buying a new home. The area, condition of the house, and its appearance are also the contributing factors which you will always consider. You can be the tenant of one among the wonderful homes which are for sale in outer banks. Once you made your way to buy a home among the homes for sale there, you have got the best home ever.

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Outer Banks Homes for Sale

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Wednesday, April 9, 2014 

One of Australia’s most famous swimming Olympians, Stephanie Rice, 25, announced her retirement earlier today.

The swimmer addressed the Australian public in a video. Here she thanked everyone that has supported her and reflected back on her Olympic career, “It’s sad, I definitely feel like I’m losing a part of myself, but I’m really excited about what’s about to come.”

After several shoulder operations in the lead up to the 2012 London Olympics, Rice fell short of her own expectations. Disappointed with her performance, she says she wanted to give herself a year or two break before making any decisions about the future. “I felt a lot of pressure to live up to everyone’s expectations and fulfil their answers, but I knew I had to take the time for myself to get to the point where I knew 100 percent what I wanted to do,” she says.

Long-time swimming coach Michael Bohl confirmed Rice’s doubts after the London Olympics in a telephone interview with The Associated Press today. “She couldn’t get the best out of herself there,” he says “but with what she endured, she didn’t want to retire with question marks. She wanted a year or two to think about it.”

While Rice has left her career plans unanswered, she hopes to use her popularity with the Australian public as a platform to something else. “It’s safe to say that’s the new goal and new passion for me… to prove myself out of the water.”

Tuesday, February 26, 2008 

Frank Walker, the chief minister of Jersey, a United Kingdom Crown dependency off the coast of Normandy, France, denies that there was a cover up after a child’s remains were found.

The allegations of a cover-up stem from statements by Stuart Syvret. Syvret, the former Minister for Health and Social Services for Jersey, said that “It’s a continuum that we see. It’s a culture of cover-up and concealment and tragically the recent evidence is just the latest manifestation of that.”

It has come to light that Edward Paisnel, a notorious pedophile, used to visit the Haut de la Garenne children’s home dressed as Father Christmas. Paisnel in 1971, was given a sentence of 30 years for 13 counts of assault, rape and sodomy.

Syvret says he was dismissed from his ministerial position after highlighting the “torture” of 11 to 16-year-olds in the island’s care homes. He claimed he was “sacked for whistleblowing”.

Police are currently investigating twenty-seven cases of child abuse on the island and recently discovered the body of one child at a care home Haut de la Garenne in St. Martin, and with a potential six sites in the area where more bodies may be located. The home was closed in 1986 and since 2003 it has served as a youth hostel.

Jersey’s deputy police chief, Lenny Harper said “Part of the inquiry will be the fact that a lot of the victims tried to report their assaults but for some reason or another they were not dealt with as they should be.”

Harper added that “no evidence of a cover-up of any Jersey government” has been found. “We are looking at allegations that a number of agencies didn’t deal with things as perhaps they should.”

Syvret has encouraged the government of the United Kingdom to assign independent judges to oversee any cases that result from the investigations.

Builders originally uncovered a body at the care home in 2003 but it was only since an operation investigate child abuse started in 2006 that progress has been made. An ex-minister of the States of Jersey, the parliament of the island, has criticised the handling of the case, stating that abuse cases were mishandled.

Walker told senators that all necessary resources would be use to find the abusers. “None of us imagined that children in Jersey could be abused and mistreated in the way that is being suggested,” the BBC have quoted him as saying. “I express my shock and horror that these things have apparently happened within our island.”

Specialist police from the United Kingdom have been investigating after an enquiry turned up 140 sources verifying the claims of abuse.

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Monday, May 26, 2008 

The 27th Young Designers’ Exhibition 2008, recognized by the International Council of Societies of Industrial Design (ICSID) as the largest show of student creations, recently ended Sunday May 18. It was held at the Taipei World Trade Center. Improvements and expansions were seen with 107 academical and industrial units. Different design competitions participated and showcased their products and also received awards.

It’s no doubt that companies related to design and cultural industries want to discover creative talents from academical units in this exhibition. However, most companies still try to showcase different conceptional and applicative products in order to promote Taiwan’s designs into the world market. A typical example is Fora Series, a photo-voltaic product series by the Tsann Kuen Trans-nation Group.

Before entering into their careers, students participated in this show and showcased varied styles that differ from the usual industrial businesspeople. To get more opportunities and in order to interact with the design and cultural industries, students also participated in vast competitions and tried to get the top places. Some students also tried to design conceptional products in conjunction with industrial designs, especially in some design competitions.

In summary, not only did the 2008 YODEX, have companies which can discover talents and showcase achievements of industrial design in the exhibition, but students can make their stages to showcase excellences from their creations in several competitions related to YODEX.

Roland MDX-540 design machine, often used in industrial design.Image: Rico Shen.

“EasTea / WesTea”, Gold Award winner from “2008 Wow Taiwan Design Award”.Image: Rico Shen.

“Rely On” the chair, designed by National Cheng-kung University, won the Gold Award in the product design of “2008 the 8th-annual Young Designers’ Competition”.Image: Rico Shen.

“Play”, a conceptional motorcycle by Suzuki.Image: Rico Shen.

Fora “Catch”, an energy-saving product applied with photovoltaic.Image: Rico Shen.

Not only “The 2011 IDA Congress”, the TDC also set up a conceptional sculpture to promote “The 2009 Taipei Cow Parade”.Image: Rico Shen.

Kun-shan University of Technology won “2008 the 8th-annual YODEX Interior Design Competition” with main theme “Beyond Reality”.Image: Rico Shen.

Chang-jung University participated in this exhibition with “Bamboo” theme.Image: Rico Shen.

Tuesday, August 11, 2015 

Two people were killed yesterday afternoon and another seriously injured in Västerås, Sweden. The injured man is considered a suspect in the knife attack and was arrested in hospital. Another man was arrested at the scene, which was an IKEA furniture retailer. According to police, the two fatalities do not have any obvious connection to the suspects, but did know each other. The motive is, thus far, unknown.

Police were called to the scene at 13:00 local time and found three stab victims. Initially, all three were considered victims, but the status of one has been changed to suspect. The other two, a man and a woman, subsequently died from their wounds. Police have said CCTV is helping in the investigation. Local newspaper Vestmanlands Läns Tidning (VLT) has reportedly posted footage of one of the suspects being tackled by police.

VLT has further claimed to have identified the two victims as a mother and son, aged 55 and 28 respectively. According to the paper, the victims were not local residents, but did have a connection with Västerås, where they were vacationing at the time of the attack, which a police spokesperson has called “an act of madness”((sv)).

“This is the worst working day of my life”((sv)), said Mattias Johansson, the store manager of IKEA in Västerås, to Sveriges Television. IKEA spokesperson Anna Pilkrona-Godden told BBC News, “Our thoughts are with those affected,” and said the store is closed for the time being.

Västerås is in central Sweden, approximately 115 km (70 miles) west from the capital Stockholm. The population is roughly 110 thousand.

Wednesday, December 22, 2010 

A British serial killer has yesterday entered guilty pleas to all three counts of murder he faced. Stephen Griffiths, 40, who attracted tabloid attention by calling himself the “Crossbow Cannibal”, killed the prostitutes in his flat in Bradford, West Yorkshire, England and will spend the rest of his life behind bars.

Griffiths, a former van driver with a degree in psychology and studying for a PhD in criminology, was caught when police were alerted to a murder caught on CCTV. A caretaker, reviewing footage from the building where Griffiths’s flat is, saw Suzanne Blamires, 36, and Griffiths enter the flat. Two minutes later, she ran out and he followed, beating her to the ground and shooting her in the head with a crossbow. He raised his crossbow above his head for the CCTV, then dragged the body away. Returning with a drink, he raised the can and one finger to the camera.

Over the course of a weekend, he was seen several times with bin bags and a rucksack. After Griffiths was arrested by armed police on May 24, her dismembered remains were found floating the the River Ayre near Shipley; her head was in a rucksack and it was yesterday revealed a crossbow bolt and broken knife were embedded in it. Robert Smith QC, prosecuting, said she was in 81 pieces.

Smith added that Griffiths confessed to killing her and cutting her up by hand; he had previously used power tools on his victims. Shelley Armitage, 31, had been missing since April when police charged Griffiths; a piece of spine in the River Ayre was later identified as hers. Also found by the river was a suitcase containing knives and saws.

It was yesterday revealed her murder was also on video. Griffiths recorded the act on his mobile, which he then lost on a train. Its finder sold it on twice before police retrieved it, but the footage remained. Armitage is seen hogtied on cushions, the words “My Sex Slave” spray-painted in black on her back. She is also seen dead and naked in his bathtub. “I am Ven Pariah, I am the Bloodbath Artist,” Griffiths said as part of a commentary to the video. “Here’s a model who is assisting me.”

The third murder – that of Susan Rushworth, 43 – dates back to June last year, when she vanished. Although police believe she was killed with a hammer and Griffiths has spoken of the death, no remains were ever found and the only physical evidence was one bloodstain in her killer’s flat. Police found evidence he tried to clean up, with bathroom tiles removed and carpets lifted.

“It was just a slaughterhouse in the bathtub,” he told police at interview. He later confessed to police that “I, or part of me, is responsible for killing Susan Rushworth, Shelley Armitage and Suzanne Blamires, who I know as Amber.” Two crossbows, crossbow bolts, and serial killer literature were seized from his flat.

The day before the final murder, Griffiths wrote on MySpace, using the Ven Pariah pseudonym, he had “finally emerged into the world.” He continued: “What will this pseudo-human do, one wonders. Poor Stephen, pretended to be me, but he was only the wrapping. He knew towards the end, that I supplied the inner core of iron. Hatred Bound Tightly In Flesh. At very long last, the time has come to act out.” He would later tell officers he was having a mental “civil war”.

He told the magistrates’ court on his first appearance his name was “The Crossbow Cannibal.” Yesterday, he was asked at Leeds Crown Court merely to confirm his name, answering “yes”. Each murder charge was read to him, and he answered “guilty” to each. Five security guards flanked him. He has also called himself the SF killer. Although he claimed to have boiled and eaten flesh from the first two victims and eaten the third raw, police could not verify this. The Telegraph says the suspect he invented it to increase his fame, but News Limited quotes Sky News as claiming police believed his cannibalistic claims.

Mr Justice Openshaw, the judge, yesterday called Griffiths “wicked and monstrous.” He told the court the killer’s mental health had been investigated and there is “no question that he [i]s fit to plead.” He gave Griffiths the whole life tariff, meaning he will never be released.

Griffiths has attempted suicide while in prison awaiting trial, and police have not yet established if he killed three more women, as he told officers his count stood at six.

At the time Griffiths was charged, Nicky Blamires, 54, has told the press her daughter Suzanne was a “much-loved” family member even though she “went down the wrong path and did not have the life she was meant to have.” “Nobody deserves this,” she said. “All these girls were human beings and people’s daughters.”

Griffiths was known as “the lizard man” in his block of flats owing to his habit of walking his two pet monitor lizards in the area. One neighbour is reported to have quoted him as saying he was studying for “a PhD in murder and Jack the Ripper,” and he has spent time in a high-security psychiatric hospital.

British media was quick to compare the case to Peter Sutcliffe, dubbed the “Yorkshire Ripper”. Sutcliffe was a Bradford killer responsible for thirteen murders and seven attempted murders, including several prostitutes. Since his 1981 conviction he has spent most of the last three decades in Broadmoor high-security psychiatric hospital near London.

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