Saturday, April 12, 2008

On the back of new restrictions being imposed on eBay users in the United Kingdom requiring that sellers offer PayPal payments for all sales, eBay Australia is mandating that only PayPal payments will be acceptable as of June 17. PayPal is a wholly-owned subsidiary of eBay, and charges a 30¢ transaction fee, plus a commission between 1.1% for high volume traders, and 2.4% for low value or low volume traders. These higher costs will be passed onto buyers.

Cash payment on pick up will be the only other payment option, and it may only be offered in conjunction with PayPal.

eBay has brought in this restriction under the guise of improving customer protection, bolstering its “Paypal Buyer Protection” insurance programme to allow claims up to A$20,000 instead of the previous maximum of $3,000, however as of June 17 many of the items which would exceed $3,000 are no longer covered by the programme, such as services, vehicles, real estate and businesses.

eBay Trust and Safety director Alastair MacGibbon said this change was not in response to the once-off fund established in March to refund eBay buyers who lost their non-existent holiday accommodation packages from the Melbourne eBay seller Robert Kobis. Mr MacGibbon said “It is part of a much larger initiative”.

In addition to these measures, Paypal will be withholding funds from some sellers for 21 days

.. until the earliest of the following occurs:

  • the buyer leaves positive feedback,
  • 3 days after confirmed item delivery
  • 21 days without a dispute, claim, chargeback, or reversal filed on that transaction

The Australian Competition and Consumer Commission has held discussion with eBay, but declined to comment. The Australian Consumers Association spokesman Christopher Zinn said the unique use of PayPal could give rise to competition issues, however if the costs charged stayed as they were, they had no further concerns.

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Dentist In Reading: You Really Need One?

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Affordable Dental Solutions

Nobody in Reading likes to go to the dental surgeon, but many a times it is unavoidable. Whenever you come across any dental problem, you simply have to consult a dentist in Reading. There is no need for unwanted suffering due to toothache. Rather, book an appointment with dentist to maintain good oral hygiene. Usually, consumers will call upon their family dentist ut what if he is not available at that particular time. Make sure to consult a dentist before your minor toothache will turn into a major issue.

An urgent requirement of a dentist can cause a lot of stress, especially when you don’t have any knowledge regarding the same. Therefore, it is always recommended to search properly before finalizing anything. Searching for a good dentist can be a challenging task. The place has a good number of competent dentists and doctors. Before directly moving towards the yellow pages directory, you have an option to ask your friends and family for their recommendations. While searching a dentist in Reading, you need to consider so many factors.

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It is true that the services of dentists vary greatly. There are mainly two types of dentists available, such as a cosmetic dentist and general dentist. First of all, you need to ascertain your own specific needs whom you want to hire for your case. There are many dental surgeons available on the web offering a wide variety of services. Before making any final decision, you will have been sure if your dentist is well educated. Also, you need to ask him for the credentials and past experience. In dire cases, you may even fix an appointment with a dentist in Reading.

The Reading is full of experienced dental surgeons that can help you maintain a good oral health. Usually, dentists are competent and have a high level of technical skills. They are proficient in handling a variety of dental issues. A variety of dental services are being provided, including root canal treatment, tooth cleaning, denture implantation, and so on. Ascertain your needs, and accordingly opt for the most reliable dentist in your city. Be very sure that he must have enough experience to treat all types of issues. Are you ready to look for them? The internet can be a great help to find a reputable dentist in Reading

.

There are so many issues related to oral hygiene. If you are facing the problem of a missing tooth, then partial dentures will help you out. In case you have more than one missing tooth, then it would be a case of complete dentures. Similarly, there are ‘n’ number of issues related to the roots of your mouth. Remember, only an experienced dentist will be able to treat your problem. Therefore, always search for highly experienced and well qualified dental surgeon. Discuss all your requirements in advance before booking an appointment.

Search for the proficient dentists and call the best one for you. Choose from a variety of available options.Affordable Dental Solutions

offers inexpensive dental implants and crowns starting at $499. Financing available. Board certified dentists who won’t sacrifice quality for your care.

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}

Thursday, September 17, 2015

An overturned tanker exploded in Western Equatoria, South Sudan yesterday, killing dozens.

The death toll is unclear. At least 85 died according to presidential spokesman Ateny Wek Ateny, citing “local authorities”. Charles Kisagna of the local government said at least 100 died. County commissioner Wilson Thomas Yanga in remarks to the BBC put the toll at a minimum of 176.

The Red Cross said it had sent two burn kits to local rescuers in Maridi with provisions for 100 patients. Kisanga warns the toll may increase “because we do not have the facilities to treat the highly burnt people.” Radio Tamazuj spoke to a doctor who reported reserves of painkillers, oxygen, and other consumables were being exhausted.

Some casualties may have fled the scene. Reportedly, after the driver walked away from the crash to seek assistance, local residents began stealing petrol. South Sudan has few paved roads. Mass casualty fuel explosions are common in poor regions of East Africa.

Sunday, February 3, 2008

Egypt has closed the border with the Gaza Strip, ending 11 days of unrestricted movement for Palestinians.

Egyptian security forces used barbed wire and metal barricades to seal the last remaining gaps in the barricade along the border.

Egyptians who were in Gaza are being allowed to return home, and Palestinians on the Egyptian side of the border are still able to go back to Gaza. But no new crossings are being permitted.

Hamas-affiliated militants on the Gaza side of the border have been turning people back and telling them it is closed. There were reports of scuffles with Gazans who still wanted to cross into Egypt, but most reports said the situation remained fairly calm.

A senior Hamas leader in Gaza, Mahmoud Zahar, said Saturday there had been an agreement between Egypt and Hamas to control the border, and suggested that the closure might be temporary. Egyptian officials have not commented on the existence of any deal with Hamas, but have repeatedly vowed to regain full control of the situation at the border.

Local resident Ibrahim Mohammed Ahmed owns a small grocery shop in Rafah. He spoke to VOA by telephone from the nearby town of Sheikh Zuwayad.

He said the situation is tight and controlled now. The government has closed the entire border in Rafah and all the roads. Every 100 meters there is a checkpoint.

A Palestinian who crossed into Egypt to visit relatives, Essam Ibrahim Issa, spoke to VOA by phone from another small community near Rafah.

He said all the roads are blocked and Egyptian security forces are making Palestinians return to Gaza. He said, They put them in trucks and take them back to Rafah.

Issa said Hamas has indicated that the border will re-open in about a week, and he is hoping for a new agreement that will let him cross into Egypt legally.

He said he would be heading home to Gaza later in the day, but once the border crossing is officially reopened, he wants to return to Egypt legally, allowing him freedom of movement.

The border closure ends 11 days of unrestricted movement across the Egypt-Gaza border. Gunmen in Gaza blew open sections of the border barricade on January 23, days after Israel began imposing a near-total blockade on the territory. Hundreds of thousands of Palestinians crossed into Egypt to buy food and other supplies that had become scarce or expensive in Gaza.

Egyptian security forces set up a cordon around the border town of Rafah, trying to keep Palestinians from moving further into Egypt. Egypt says at least 17 Palestinians have been arrested in Sinai carrying weapons and explosives since the crisis began.

The international community and the Fatah-led Palestinian Authority have objected to any border deal involving Hamas, which violently seized control of Gaza in June.

Egypt, however, views the open border as a serious security risk and has pressed Fatah to accept some kind of deal with Hamas in order to see that it remains under control.

By Sean A. Kelly

Every day you are bombarded with news from the financial world about the interest rates on home mortgage going down and are an all time low this year. It must have got you inquisitive to find out more. This is the time to evaluate your options and see how it would be beneficial for you. Therefore knowing the ins and the outs of home mortgage refinancing is important. Now mortgage refinancing may work for some and may not work for all people so ponder on what you need in order to qualify for refinancing, the objectives you intend to achieve at favorable terms.

Let us first consider the interest rate as it is creating a refinancing frenzy. See how much they have dropped. The general rule of thumb is that homeowners must save at least a full percentage point (1% or more) to benefit from refinancing at the present time. But don’t just go by the “rules” about how much of a percentage change in interest rates you should look for before you refinance, look at how much money you’ll stand to save. For example, If the rate of interest on a $100,000 loan is lowered from 8% to 7.1% the monthly payment (excluding taxes & insurance) you may make an annual savings of about $900 with the drop of 0.9 % (8 % – 7.1%). A 1% rate reduction is a lot more meaningful if you have a $200,000 mortgage rather than one that’s $100,000. This again translates to the fact that refinance makes sense if you have many more years to pay your mortgage.

Let us consider what you need to refinance home mortgage. Firstly, determine if this is the house you intend to stay for a long term because if you put the house for sale in next 5 years the closing cost would not be worth the refi. Next you need to consider the equity that you have and also the current market value of the house. If the value of the house happens to be lower than your actual mortgage, refinancing won’t make sense as negative equity won’t allow refi to occur. Further also consider the fees, as home mortgage refinancing requires an application fee and appraisal fees and loan origination fees. Lastly your credit score will also play a role in determining the likelihood of refi.

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Consider the objective you can achieve by home mortgage refinancing. Other than the most common objective of lowering your interest rate and optimizing your loan structure with shortened pay off terms, you can convert adjustable rate mortgage (ARM) to fixed-rate mortgage (FRM). Another good reason to consider refinance is that you can get the cash out from the equity built up in your home. Basically it means that when you refinance for an amount greater than what you owe on your home, you can receive the difference in a cash payment.

Do you also know that refi has a few perks of its own besides the above benefits? And that is the mortgage interest tax deduction. When you refinance, the amount of the new loan used to pay off the old loan qualifies as home acquisition debt. Any amount over that would be home equity debt. Interest paid on home acquisition debt is generally entirely tax deductible. To understand better see this example :-

Peter owes $200,000 on his mortgage. He takes out a new mortgage for $225,000 and pays of this old mortgage. IRS considers$200,000 as home acquisition debt and the balance 25,000 as home equity debt. Hence the interest paid on 200,000 is generally entirely deductable.

Evaluate the benefits mentioned and see if you can find how refinance works best for you in your situation. As you do your research it is equally important to take this critical decision with right people who will help you to understand better and save more.

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Mortgage refinance home mortgagehome mortgage refinancing

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Sunday, January 1, 2012

Today Virgin Money finalised a deal with the British Government to acquire the nationalised Newcastle upon Tyne-based bank Northern Rock for £747 million. During 2012, the bank will be rebranded as a Virgin company and the current Northern Rock customers will become customers of the enlarged Virgin Money.

The Northern Rock bank had been nationalised in 2008 following the revelation that the company had received emergency support from the UK Government. Northern Rock had required support due to its exposure during the subprime mortgage crisis in 2007. Sir Richard Branson’s Virgin Group had a bid for the bank rejected prior to the bank’s nationalisation. In 2010, while nationalised, the current high street bank Northern Rock plc was split from the ‘bad bank’, Northern Rock (Asset Management). Virgin have only purchased the ‘good bank’ of Northern Rock, not the asset management company.

The deal which could have additional payments to put the total value of the sale to over £1 billion had been first announced on 17 November 2011 and was criticised by some as not being a good enough deal for taxpayers. Opposition such as the Labour Party requested that the National Audit Office investigate the sale, and for it to be put on hold. By the beginning of 2012, the deal had been approved by the Financial Services Authority and the European Commission for merger clearance.

Jayne-Anne Gadhia will be Virgin Money’s CEO and former deputy governor of the Bank of England, Sir David Clementi, will be Chairman. Virgin have also pledged to maintain an operational headquarters in Newcastle upon Tyne as well as maintaining the current branches.

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.

Wednesday, June 11, 2008

A European Union-United States summit held in Slovenia produced a draft declaration outlining the groups’ future cooperation on climate change, energy security and financial stability. Yesterday was the final day of the summit, the last EU-US summit that US President George W. Bush will attend in his current role.

Hopes of a major breakthrough on the topic of climate change were low going into the summit. The foreign minister of Slovenia, Dimitrij Rupel, commented last week that, “on climate change, the positions are split.” Members of the 27-nation EU have regularly expressed their dissatisfaction with the US for not having ratified the Kyoto Protocol, an agreement with binding greenhouse gas emissions targets. Doubts about the summit’s efficacy were not misplaced, as no firm targets were set for actions on climate change.

The EU and US agreed to cooperate increasingly in science and technology research for energy and climate change purposes, including carbon capture and storage, and hydrogen fuel cells. The EU reaffirmed its commitments as per the Kyoto Protocol, but the US restated that developing countries such as China and India must be made to sign up to such global agreements before it will sign on.

Steps to secure energy sources for the future were also discussed. Promoting the creation of multiple pipelines to supply more natural gas to Europe was determined a priority, despite the fact that this would encourage an increase in emissions from gas use.

Bush commented in a follow-up news conference: “I think we can get a global agreement on climate change during my presidency – just so you know.”

Reasons To Play Golf}

February 23, 2017 2:59 am | No Comments

Reasons to Play Golf

by

Jordan Rocksmith

If you want to enjoy the beauty of nature while playing a sport, what better game is there than golf? Golfis a unique sport, in that it allows the young and mobile, as well as theelderly and achy, to enjoy it. Golfknows no age limit; it is thesport that allows you to keep on playing, even when you are well past the age of other, more physically demanding sports.Here are some additional benefits to playinggolf atFarmington, NM, golf courses.

Playing golf fulfills your need for socialization. Yes, you are still technically competing against the people you are playing with. However, it is a friendly competition, and truly, you are really onlycompeting with yourself, trying to better your score from the last time you played.

Golf can increase your happiness, as well as your mental health. Happy people tend to live longer lives. You can feel relaxed while golfing, because you are surrounded by nature and all the sounds that come with it. The sunshine and smells are good for your body too. Everyone benefits from getting their daily dose of Vitamin Dfrom the sun.

Golf allows you to have a different experience each time. You could try going golfing in the morning, afternoon, or evening. Nature’s view will be different at the different times of day. Also, switching up the golf courses you visit allows for a change of scenery.

Golf is a great way for you to get in somenon-demanding physicalexercise. Some people might opt to get a cart, however, walking is the best thing for your body. If you walk 18 holes, it is about the equivalent of walking three to four miles.

If you want to enjoy a sport while enjoying nature and getting some exercise, then visitFarmington, NM, golf coursesfor a game of golf.

If you want to enjoy a sport while enjoying nature and getting some exercise, then visit

Farmington, NM, golf courses

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Wall Decor}

February 22, 2017 2:06 am | No Comments

Wall Decor

by

baji

The walls of the house or office can be made as attractive and as inviting as one wants. Once the interior of the house is painted, it is ready to be decorated.

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Wall dcor

can range from the purely utilitarian to the exhibition of valuable or cherished possessions. It can get as decorative as your imagination and as personalized as you desire. There are always many things that you cherish but do not use. Picture postcards of a foreign country, stamps and coins, cups and trophies, even your school colors such things can lend style to your wall and add color to your house.rnrnWall dcor for the kids rooms could include a collage of clippings, favorite drawings, inspiring prints, and even laminated merit certificates. Artistically designed messages in wall plaques can drive home meaningfully certain principles of life and how to react. Religious texts and messages to be read in the morning and at night can be framed and hung on the wall. These can even be in the form of stories. In India, certain excerpts from the are pertinent to real life always find a place either in the form of pictures with the text beneath or certain stand-alone Sanskrit slokas from the Gita. Wall dcor systems that attract magnets are becoming very popular. Called Magnetic creations, it contains iron particles, which grips the magnets. There are certain magnetic kits like the outer space wall kit and the under sea wall kit which helps a child to explore space and sea life. That is just not the end. Kids can learn to count, add and subtract, learn their spellings, work on math skills and also on their vocabulary by using the learning wall dcor. Since it comes along with instructions, it is indeed very handy.rnrnWall decor plaques can be floral, contemporary, or vintage. You can have orchards, or gardens, rustic prints or portraits of painters. Group the art properly at eye level, so that the focal point is reinforced. Mirrors tend to embellish and decorate the walls inexpensively. Beautifully framed mirrors of different shapes can lend depth to small rooms and brighten up the place. Wall sconces or candelabras placed on either side of the mirror add to the effect.rnrnWall Decor Types:rnrn1. Mirrored Large Op artrn2. Graphite Op Wall Artrn3. Sunburst Mirror – Smallrn4. Grande Mobileo – Antique Brassrn5. Grande Mobileo – Whitern6. Wall Candy Arts RoCoco2 Chalkboard Decalrn7. Wall Candy Arts Candy Factory Decalrn8. Wall Candy Arts Season Decalrn9. Wall Candy Arts Rock It Decalrn10. Wall Candy Arts DottiLicious Decalrnrnrn Pot shelves find a place in recessed wall areas and often show off antiques, or family memorabilia. In India, Rajasthan and Guajarati handiwork in the form of wall hangings adorn the living rooms. Pieces of art that have been created using wire or plastic are personal reminiscences that often find a place.rnrnWall Decor Cabinets and Shelves serve the dual purpose of storage and display. Made from wood, bronze or metal, they can be very attractive when combined with a vintage or traditional accent. Clocks are the all time favorites, which can adorn any wall, and combined with an appropriate theme, they look superb. The final touch can be wallpaper with a border or wallpaper with a theme. For more details

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