Why You Should Pay Your Bills On Time!

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By Tom Dawson

According to the latest study over eight million people missed repayments last year, and in doing so considerably reduced their chances of being accepted for cheap loans and credit cards. Just under half of the missed repayments were in fact credit card payments. If you miss a repayment or even make a late repayment it not only puts you at less risk of being able to raise finance but will also affect the rate you are offered if you are accepted.

The problem we are faced with in these uncertain times where credit is more restricted than previously, is the fact that all lenders will rely on a person’s credit score not only to decide if they want to lend to that person but also what rate they will charge, and also how much they are prepared to lend. Also when you bear in mind that any missed payments stay on our credit file for 6 years it is not only likely to affect you now but also for quite some time.

So how do you avoid getting into trouble in the first place?

[youtube]http://www.youtube.com/watch?v=pLY8SpfJuRc[/youtube]

If you have existing credit and have never missed any repayments, but feel apprehensive about your financial future for whatever reason. There are a number of steps that you can take to prevent this from happening.

— Work to a strict budget: Write down your income and outgoings to identify exactly how bad your situation currently is. Once you know exactly where you stand you should then look at what you are spending your income on each month to see of you can cut down on your expenditure. It is very important that you are very thorough when you do this and do not discard any potential savings no matter how small they may be. The more you can shave from your expenses the more you have to pay our bills.

— Consider debt consolidation: consolidating all your expensive credit card and unsecured loan debt into a cheaper rate consolidation loan can save hundreds of pounds each month depending on the sum of all your debts. If you decide to opt for this route there are a number of things that you must do to ensure that you do not get yourself further into trouble. The first thing I would recommend is that you take the consolidation loan our for the shortest term possible where you can comfortably afford the repayments each month, and also have enough to put some money into a savings account for use as a rainy day fund. That way if you have an emergency issue that arises which needs money to resolve then you are not tempted to rely on your credit cards. Which leads us onto what is probably the most important necessity and that is to destroy your credit cards. Failing to do this will more often than not put you in a worse position than you started in if you were to max them out again.

So the important message is to make sure that you do not get yourself into the situation where you are missing any payments. Once you get into that spiral it is ever more difficult to get out of.

About the Author: Tom Dawson is A UK finance expert who can help arrange

cheap home improvement loans

and

personal loans

for any purpose. Visit the site today.

Source:

isnare.com

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isnare.com/?aid=727029&ca=Finances

Ontario Votes 2007: Interview with Green Party candidate Torbjorn Zetterlund, Willowdale

Saturday, October 6, 2007

Torbjorn Zetterlund is running for the Green Party of Ontario in the Ontario provincial election, in the Willowdale 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.

National plant materials center goes native in Washington, DC

Thursday, September 15, 2005

Among its many ongoing research studies, the Natural Resources Conservation Service (NRCS) National Plant Materials Center (NPMC), in Beltsville, Maryland, is researching native, ornamental, perennial plants which are tolerant of hot, droughty conditions. The end result of this research is to promote city gardening in the Washington/Baltimore metro area and to eventually expand to the entire mid-Atlantic region.

“The use of native plants are beneficial to the region in that they are already adapted to the cultural conditions present in city environments and are unlikely to displace other native-plant communities,” said Shawn Belt, Horticulturalist at the NPMC. “And, not only do these native plants add to the diversity of inner-city plant materials they encourage wildlife as well.”

Working with NRCS conservationists for Washington, DC, the NPMC has recently installed a “butterfly garden” a native-plant garden at the Myrtilla Miner Elementary School in NE Washington DC. According to Belt, Washington, DC typically has poor soils so this site will be a good evaluation for hot, dry conditions.

“Since there are no farms in DC to award contracts for the various NRCS cost share programs, NRCS does award cost share for schools in order to educate students to the benefits of using native plants in city landscapes,” said Belt.

NRCS conservationists have been encouraging teachers to install butterfly gardens with cost-share money from the Environmental Quality Incentives Programs (EQIP) to help with the costs of installing these gardens.

While working with the school to install the native-plant garden, NRCS employees will evaluate the performance of the plants over the next 3 years. Additionally, evaluations will be continued in other areas of Washington, DC in order to replicate the “experiment” in differing locations.

Woman in Buffalo, New York accidentally sets herself on fire

Tuesday, January 22, 2008

Buffalo, New York —A woman in Buffalo, New York in the United States is in critical condition tonight at Sisters Of Charity Hospital after she accidentally set herself on fire.

The unnamed elderly woman was receiving oxygen for medical problems in her home and lit a cigarette, and the oxygen coming from her mask facilitated the ignition of her clothing, setting her on fire.

Despite her “severe” burns as described by firefighters on radio communications, she was still able to dial the emergency line in the U.S., 911.

In the U.S. only 4% of all residential fires were reportedly caused by smoking materials in 2002. These fires, however, were responsible for 19% of residential fire fatalities and 9% of injuries. The fatality rate due to smoking is nearly four times higher than the overall residential fire rate; injuries are more than twice as likely. Forty percent of all smoking fires start in the bedroom or living room/family room; in 35% of these fires, bedding or upholstered furniture are the items first ignited.

Stanford physicists print smallest-ever letters ‘SU’ at subatomic level of 1.5 nanometres tall

Wednesday, February 4, 2009

A new historic physics record has been set by scientists for exceedingly small writing, opening a new door to computing‘s future. Stanford University physicists have claimed to have written the letters “SU” at sub-atomic size.

Graduate students Christopher Moon, Laila Mattos, Brian Foster and Gabriel Zeltzer, under the direction of assistant professor of physics Hari Manoharan, have produced the world’s smallest lettering, which is approximately 1.5 nanometres tall, using a molecular projector, called Scanning Tunneling Microscope (STM) to push individual carbon monoxide molecules on a copper or silver sheet surface, based on interference of electron energy states.

A nanometre (Greek: ?????, nanos, dwarf; ?????, metr?, count) is a unit of length in the metric system, equal to one billionth of a metre (i.e., 10-9 m or one millionth of a millimetre), and also equals ten Ångström, an internationally recognized non-SI unit of length. It is often associated with the field of nanotechnology.

“We miniaturised their size so drastically that we ended up with the smallest writing in history,” said Manoharan. “S” and “U,” the two letters in honor of their employer have been reduced so tiny in nanoimprint that if used to print out 32 volumes of an Encyclopedia, 2,000 times, the contents would easily fit on a pinhead.

In the world of downsizing, nanoscribes Manoharan and Moon have proven that information, if reduced in size smaller than an atom, can be stored in more compact form than previously thought. In computing jargon, small sizing results to greater speed and better computer data storage.

“Writing really small has a long history. We wondered: What are the limits? How far can you go? Because materials are made of atoms, it was always believed that if you continue scaling down, you’d end up at that fundamental limit. You’d hit a wall,” said Manoharan.

In writing the letters, the Stanford team utilized an electron‘s unique feature of “pinball table for electrons” — its ability to bounce between different quantum states. In the vibration-proof basement lab of Stanford’s Varian Physics Building, the physicists used a Scanning tunneling microscope in encoding the “S” and “U” within the patterns formed by the electron’s activity, called wave function, arranging carbon monoxide molecules in a very specific pattern on a copper or silver sheet surface.

“Imagine [the copper as] a very shallow pool of water into which we put some rocks [the carbon monoxide molecules]. The water waves scatter and interfere off the rocks, making well defined standing wave patterns,” Manoharan noted. If the “rocks” are placed just right, then the shapes of the waves will form any letters in the alphabet, the researchers said. They used the quantum properties of electrons, rather than photons, as their source of illumination.

According to the study, the atoms were ordered in a circular fashion, with a hole in the middle. A flow of electrons was thereafter fired at the copper support, which resulted into a ripple effect in between the existing atoms. These were pushed aside, and a holographic projection of the letters “SU” became visible in the space between them. “What we did is show that the atom is not the limit — that you can go below that,” Manoharan said.

“It’s difficult to properly express the size of their stacked S and U, but the equivalent would be 0.3 nanometres. This is sufficiently small that you could copy out the Encyclopaedia Britannica on the head of a pin not just once, but thousands of times over,” Manoharan and his nanohologram collaborator Christopher Moon explained.

The team has also shown the salient features of the holographic principle, a property of quantum gravity theories which resolves the black hole information paradox within string theory. They stacked “S” and the “U” – two layers, or pages, of information — within the hologram.

The team stressed their discovery was concentrating electrons in space, in essence, a wire, hoping such a structure could be used to wire together a super-fast quantum computer in the future. In essence, “these electron patterns can act as holograms, that pack information into subatomic spaces, which could one day lead to unlimited information storage,” the study states.

The “Conclusion” of the Stanford article goes as follows:

According to theory, a quantum state can encode any amount of information (at zero temperature), requiring only sufficiently high bandwidth and time in which to read it out. In practice, only recently has progress been made towards encoding several bits into the shapes of bosonic single-photon wave functions, which has applications in quantum key distribution. We have experimentally demonstrated that 35 bits can be permanently encoded into a time-independent fermionic state, and that two such states can be simultaneously prepared in the same area of space. We have simulated hundreds of stacked pairs of random 7 times 5-pixel arrays as well as various ideas for pathological bit patterns, and in every case the information was theoretically encodable. In all experimental attempts, extending down to the subatomic regime, the encoding was successful and the data were retrieved at 100% fidelity. We believe the limitations on bit size are approxlambda/4, but surprisingly the information density can be significantly boosted by using higher-energy electrons and stacking multiple pages holographically. Determining the full theoretical and practical limits of this technique—the trade-offs between information content (the number of pages and bits per page), contrast (the number of measurements required per bit to overcome noise), and the number of atoms in the hologram—will involve further work.Quantum holographic encoding in a two-dimensional electron gas, Christopher R. Moon, Laila S. Mattos, Brian K. Foster, Gabriel Zeltzer & Hari C. Manoharan

The team is not the first to design or print small letters, as attempts have been made since as early as 1960. In December 1959, Nobel Prize-winning physicist Richard Feynman, who delivered his now-legendary lecture entitled “There’s Plenty of Room at the Bottom,” promised new opportunities for those who “thought small.”

Feynman was an American physicist known for the path integral formulation of quantum mechanics, the theory of quantum electrodynamics and the physics of the superfluidity of supercooled liquid helium, as well as work in particle physics (he proposed the parton model).

Feynman offered two challenges at the annual meeting of the American Physical Society, held that year in Caltech, offering a $1000 prize to the first person to solve each of them. Both challenges involved nanotechnology, and the first prize was won by William McLellan, who solved the first. The first problem required someone to build a working electric motor that would fit inside a cube 1/64 inches on each side. McLellan achieved this feat by November 1960 with his 250-microgram 2000-rpm motor consisting of 13 separate parts.

In 1985, the prize for the second challenge was claimed by Stanford Tom Newman, who, working with electrical engineering professor Fabian Pease, used electron lithography. He wrote or engraved the first page of Charles Dickens’ A Tale of Two Cities, at the required scale, on the head of a pin, with a beam of electrons. The main problem he had before he could claim the prize was finding the text after he had written it; the head of the pin was a huge empty space compared with the text inscribed on it. Such small print could only be read with an electron microscope.

In 1989, however, Stanford lost its record, when Donald Eigler and Erhard Schweizer, scientists at IBM’s Almaden Research Center in San Jose were the first to position or manipulate 35 individual atoms of xenon one at a time to form the letters I, B and M using a STM. The atoms were pushed on the surface of the nickel to create letters 5nm tall.

In 1991, Japanese researchers managed to chisel 1.5 nm-tall characters onto a molybdenum disulphide crystal, using the same STM method. Hitachi, at that time, set the record for the smallest microscopic calligraphy ever designed. The Stanford effort failed to surpass the feat, but it, however, introduced a novel technique. Having equaled Hitachi’s record, the Stanford team went a step further. They used a holographic variation on the IBM technique, for instead of fixing the letters onto a support, the new method created them holographically.

In the scientific breakthrough, the Stanford team has now claimed they have written the smallest letters ever – assembled from subatomic-sized bits as small as 0.3 nanometers, or roughly one third of a billionth of a meter. The new super-mini letters created are 40 times smaller than the original effort and more than four times smaller than the IBM initials, states the paper Quantum holographic encoding in a two-dimensional electron gas, published online in the journal Nature Nanotechnology. The new sub-atomic size letters are around a third of the size of the atomic ones created by Eigler and Schweizer at IBM.

A subatomic particle is an elementary or composite particle smaller than an atom. Particle physics and nuclear physics are concerned with the study of these particles, their interactions, and non-atomic matter. Subatomic particles include the atomic constituents electrons, protons, and neutrons. Protons and neutrons are composite particles, consisting of quarks.

“Everyone can look around and see the growing amount of information we deal with on a daily basis. All that knowledge is out there. For society to move forward, we need a better way to process it, and store it more densely,” Manoharan said. “Although these projections are stable — they’ll last as long as none of the carbon dioxide molecules move — this technique is unlikely to revolutionize storage, as it’s currently a bit too challenging to determine and create the appropriate pattern of molecules to create a desired hologram,” the authors cautioned. Nevertheless, they suggest that “the practical limits of both the technique and the data density it enables merit further research.”

In 2000, it was Hari Manoharan, Christopher Lutz and Donald Eigler who first experimentally observed quantum mirage at the IBM Almaden Research Center in San Jose, California. In physics, a quantum mirage is a peculiar result in quantum chaos. Their study in a paper published in Nature, states they demonstrated that the Kondo resonance signature of a magnetic adatom located at one focus of an elliptically shaped quantum corral could be projected to, and made large at the other focus of the corral.

3 Ways To Keep Bugs And Pests From Your Lawn

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byAlma Abell

Protecting the inside of your property against bugs and pests is just one step to providing a safe environment for your family. Organizing a professional lawn care service in Port St Lucie will complete the task by ensuring the removal of any pests, ticks and fleas from your lawn.

How Can Professional Lawn Care Help You?

Experts understand about the dangers that lurk inside your yard, particularly your lawn. The first task is to reduce the amount of wildlife that carries fleas, ticks and other bugs into your garden area. By reducing the amount of warm-blooded animals that may prefer to live around your yard, you are lowering the need for bloodsucking insects to visit your location.

Where small rodents seek grubs for meals, there will be an immediate need to organize your lawn care service in Port St Lucie so that your grass can be treated to remove grubs and other insects.

Encourage Predators into Your Garden

By encouraging the right predators into your yard, you will remove bugs, fleas and ticks from your garden. Birds enjoy eating these insects and having bird feeders and other attractive features for the birds will encourage them into your garden to help remove the unwanted bugs.

Form A Barrier Between Your Yard and Property

Where you have not been effective in eradicating the number of bugs, fleas and ticks moving from your yard into your home due to children and pets coming aboard, you can ask your lawn care service in Port St Lucie to form an effective barrier. They will treat your lawn and all around your property to form a definitive and hygienic perimeter.

After the professional experts have treated your lawn, you can help maintain the areas where fleas and ticks may want to hang out by removing any weeds and leaves lingering around your yard.

BDSM as business: An interview with the owners of a dungeon

Sunday, October 21, 2007

Torture proliferates American headlines today: whether its use is defensible in certain contexts and the morality of the practice. Wikinews reporter David Shankbone was curious about torture in American popular culture. This is the first of a two part series examining the BDSM business. This interview focuses on the owners of a dungeon, what they charge, what the clients are like and how they handle their needs.

When Shankbone rings the bell of “HC & Co.” he has no idea what to expect. A BDSM (Bondage Discipline Sadism Masochism) dungeon is a legal enterprise in New York City, and there are more than a few businesses that cater to a clientèle that wants an enema, a spanking, to be dressed like a baby or to wear women’s clothing. Shankbone went to find out what these businesses are like, who runs them, who works at them, and who frequents them. He spent three hours one night in what is considered one of the more upscale establishments in Manhattan, Rebecca’s Hidden Chamber, where according to The Village Voice, “you can take your girlfriend or wife, and have them treated with respect—unless they hope to be treated with something other than respect!”

When Shankbone arrived on the sixth floor of a midtown office building, the elevator opened up to a hallway where a smiling Rebecca greeted him. She is a beautiful forty-ish Long Island mother of three who is dressed in smart black pants and a black turtleneck that reaches up to her blond-streaked hair pulled back in a bushy ponytail. “Are you David Shankbone? We’re so excited to meet you!” she says, and leads him down the hall to a living room area with a sofa, a television playing an action-thriller, an open supply cabinet stocked with enema kits, and her husband Bill sitting at the computer trying to find where the re-release of Blade Runner is playing at the local theater. “I don’t like that movie,” says Rebecca.

Perhaps the most poignant moment came at the end of the night when Shankbone was waiting to be escorted out (to avoid running into a client). Rebecca came into the room and sat on the sofa. “You know, a lot of people out there would like to see me burn for what I do,” she says. Rebecca is a woman who has faced challenges in her life, and dealt with them the best she could given her circumstances. She sees herself as providing a service to people who have needs, no matter how debauched the outside world deems them. They sat talking mutual challenges they have faced and politics (she’s supporting Hillary); Rebecca reflected upon the irony that many of the people who supported the torture at Abu Ghraib would want her closed down. It was in this conversation that Shankbone saw that humanity can be found anywhere, including in places that appear on the surface to cater to the inhumanity some people in our society feel towards themselves, or others.

“The best way to describe it,” says Bill, “is if you had a kink, and you had a wife and you had two kids, and every time you had sex with your wife it just didn’t hit the nail on the head. What would you do about it? How would you handle it? You might go through life feeling unfulfilled. Or you might say, ‘No, my kink is I really need to dress in women’s clothing.’ We’re that outlet. We’re not the evil devil out here, plucking people off the street, keeping them chained up for days on end.”

Below is David Shankbone’s interview with Bill & Rebecca, owners of Rebecca’s Hidden Chamber, a BDSM dungeon.

Contents

  • 1 Meet Bill & Rebecca, owners of a BDSM dungeon
    • 1.1 Their home life
  • 2 Operating the business
    • 2.1 The costs
    • 2.2 Hiring employees
    • 2.3 The prices
  • 3 The clients
    • 3.1 What happens when a client walks through the door
    • 3.2 Motivations of the clients
    • 3.3 Typical requests
    • 3.4 What is not typical
  • 4 The environment
    • 4.1 Is an S&M dungeon dangerous?
    • 4.2 On S&M burnout
  • 5 Criticism of BDSM
  • 6 Related news
  • 7 External links
  • 8 Sources

BDSM as business: Interviews with Dominatrixes

Sunday, October 28, 2007

Whether the Civil War, World War II or the Iraq War, it can be challenging to face how conflict penetrates the psyche of a nation and surfaces in the nuances of life. There are thousands—if not millions—of individuals who indulge in fantasies others would deem perverse that have their nascence in some of the darkest moments of human history. It is possible someone you know pays a person to dress like a German Nazi to treat them like a “dirty Jew”, or to force them to pick cotton off the floor like a slave.

An S&M dungeon is a place where these individuals act out such taboos. Businesses that operate to meet their needs are often hidden, but they do exist and are typically legal. The clients want to remain confidential for fear of ostracism in their respective communities. As Sigmund Freud wrote, “Anyone who has violated a taboo becomes taboo himself because he possesses the dangerous quality of tempting others to follow his example.”

Last week Wikinews published the first in a two part series on the BDSM business: an interview with Bill & Rebecca, the owners of Rebecca’s Hidden Chamber. This week we publish the second part: an interview with three dungeon employees, Mistress Alex, Mistress Jada and Mistress Veronica. In their world, BDSM is a game, a harmless pursuit of roleplaying exercises that satiate the desires of the tabooed. These Dominatrixes are the kind of women men fantasize about, but they all look like they could be babysitting your children this Saturday night. Most likely, they will not be.

Mistress Alex has a distinctive sheen when David Shankbone walks into the room. Her moist skin cools quickly from the blow of the air conditioner she stands in front of. Just having finished an hour and a half session, she is dressed in a latex one-piece skirt and matching boots. Mistress Jada, a shapely Latina dressed in red, joins the conversation and remains throughout. When Alex needs to tend to a client, Mistress Veronica, who looks like she would be as comfortable teaching kindergarten as she would “tanning a man’s hide”, takes over for her.

The interview was neither sensational nor typical, but what you read may surprise, repulse, or even awaken feelings you never knew you had. Below is David Shankbone’s interview with three Dominatrixes.

Contents

  • 1 Starting out
  • 2 What they get asked to do
  • 3 The psychology of S&M
  • 4 Psychological challenges
  • 5 Psychology II
  • 6 Comfort levels in the sessions
  • 7 Advice for those who want to be a Mistress
  • 8 Strange requests
  • 9 What they discover in themselves
  • 10 Boundaries
  • 11 BDSM Culture
  • 12 Dating for Dominatrixes
  • 13 Related interviews
  • 14 Sources
  • 15 External links