Be Your Own Modular Home Builder

By Michael Zenga

Because about 85 percent of a modular home is built in the factory before it arrives to your lot, many homeowners opt to be their own general contractor. This indeed has many advantages in additional cost savings and as well as control. By applying for a ‘sweat equity’ finance loan there is a degree of savings, and overall being your own contractor can save you 10 to 30 percent in expenses. This makes this option attractive for some.

However, you will be earning your savings as you handle the tasks for which the builder is responsible. You will either complete or arrange subcontractors to complete several components of the site work and finishing work for your modular home. The following items are areas that will deserve your attention:

Land/Lot – Finding a lot for building is one of the earliest steps, but additional factors are required as well regarding the lot. This includes finding a surveyor to survey the lot, as well as an excavation crew to mold the lot according to where drainage patterns and clearing must occur. Also, a site plan drawn up by an engineer will be needed so that building permits can be obtained. This encompasses soil samples as well as drainage grades as well.

[youtube]http://www.youtube.com/watch?v=OIiMfWE4WaE[/youtube]

Foundation – Either a structural or foundation engineer will need to be contracted to assist with accurate foundation plans. Once designed, concrete services and framing will be needed to form the foundation accordingly. This is an important step particularly for modular homes.

Permitting – A laundry list of permits are needed including a building permit, electrical permit, foundation permit, etc. In addition, before completion, pest company evaluation of the soil and structure is needed, as well as a department of health inspection for many towns.

Crane and Set Crew – These may be provided by the manufacturer, but you are still responsible for overseeing their work and making sure they are available for the set-up process. You may decide to hire them outside of the manufacturer as this could save additional money; but be sure they are experienced in modular homes.

Connections and Finishing Work – Here you will need several subcontractors to assist with necessary items in completing your home after arrival. Subcontractors include electricians, plumbers, HVAC personnel, painters, flooring specialists, drywall repair experts, countertop installers, and possibly roofers. While the button up and tie in work is not vast, it is varied enough that an array of specialists are required.

Landscaping – This includes both ‘soft’ landscaping such as plants, lawn and trees as well as ‘hard’ landscaping such as driveways, walkways, decking and patios. Asphalt specialists may be needed for driveways as well as concrete or masonry specialists for other areas.

While this list is not entirely complete, it does cover the major areas. Compared to a site-built home, the task of being your own builder is far less challenging. Modular homes do facilitate your own involvement in being the builder which can save you a great deal of money in the end.

About the Author: Michael Zenga founded ZN Custom Building in 2002 which specialized in building modular homes in the Boston, MA area. Their Be Your Own Builder service always clients to act as their own building manager thus saving significant building costs.

Source: isnare.com

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Asbestos controversy aboard Scientology ship Freewinds

Friday, May 16, 2008

Controversy has arisen over the reported presence of blue asbestos on the MV Freewinds, a cruise ship owned by the Church of Scientology. According to the Saint Martin newspaper The Daily Herald and the shipping news journal Lloyd’s List, the Freewinds was sealed in April and local public health officials on the Caribbean island of Curaçao where the ship is docked began an investigation into the presence of asbestos dust on the ship. Former Scientologist Lawrence Woodcraft supervised work on the ship in 1987, and attested to the presence of blue asbestos on the Freewinds in an affidavit posted to the Internet in 2001. Woodcraft, a licensed architect by profession, gave a statement to Wikinews and commented on the recent events.

According to The Daily Herald, the Freewinds was in the process of being renovated by the Curaçao Drydock Company. The article states that samples taken from paneling in the ship were sent to the Netherlands, where an analysis revealed that they “contained significant levels of blue asbestos”. An employee of the Curaçao Drydock Company told Radar Online in an April 30 article that the Freewinds has been docked and sealed, and confirmed that an article about asbestos ran in the local paper.

Lloyd’s List reported that work on the interior of the Freewinds was suspended on April 27 after health inspectors found traces of blue asbestos on the ship. According to Lloyd’s List, Frank Esser, Curaçao Drydock Company’s interim director, joined Curaçao’s head of the department of labor affairs Christiene van der Biezen along with the head of the local health department Tico Ras and two inspectors in an April 25 inspection of the ship. “We are sending someone so that they can tell us what happened, where it came from, since when it has been there,” said Panama Maritime Authority’s director of merchant marine Alfonso Castillero in a statement to Lloyd’s List.

The Church of Scientology purchased the ship, then known as the Bohème, in 1987, through an organization called Flag Ship Trust. After being renovated and refitted, it was put into service in June 1988. The ship is used by the Church of Scientology for advanced Scientology training in “Operating Thetan” levels, as well as for spiritual retreats for its members. Curaçao has been the ship’s homeport since it was purchased by the Church of Scientology.

According to his 2001 statement, Lawrence Woodcraft had been an architect in London, England since 1975, and joined Scientology’s elite “Sea Organization” (Sea Org) in 1986. He wrote that he was asked by the Sea Org to work on the Freewinds in 1987, and during his work on the ship “noticed a powdery blue fibrous substance approximately 1 ½” thick between the paint and the steel wall,” which he believed to be asbestos. He also discovered what he thought was blue asbestos in other parts of the ship, and reported his findings to Church of Scientology executives. Woodcraft discussed his experiences in a 2001 interview published online by the Lisa McPherson Trust, a now-defunct organization which was critical of the Church of Scientology.

The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards.

Church of Scientology spokeswoman Karin Pouw responded to Radar Online about the asbestos reports, in an email published in an article in Radar on May 1. “The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards,” said Pouw. She stated that two inspections performed in April “confirmed that the air quality is safe,” and asserted that the inspections revealed the Freewinds satisfies standards set by the United States Occupational Safety and Health Administration and the U.S. Clean Air Act.

Pouw told Radar that “The Freewinds will be completing its refit on schedule.” The Church of Scientology-affiliated organization Citizens Commission on Human Rights (CCHR) had been planning a cruise aboard the Freewinds scheduled for May 8, but according to Radar an individual who called the booking number for the cruise received a message that the cruise had been delayed due to ongoing work on the ship. Citing an article in the Netherlands Antilles newspaper Amigoe, Radar reported on May 6 that a team from the United States and supervised by an independent bureau from the Netherlands traveled to Curaçao in order to remove asbestos from the Freewinds.

…if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff.

“I stand by everything I wrote in my 2001 affidavit,” said Lawrence Woodcraft in an exclusive statement given to Wikinews. Woodcraft went on to state: “I would also comment that if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff. Also panelling as well, basically strip the ship back to a steel hull. Also blue asbestos is sprayed onto the outer walls and then covered in paint. It’s in every nook and cranny.”

Many Scientologist celebrities have spent time aboard the Freewinds, including Tom Cruise, Katie Holmes, John Travolta, Kelly Preston, Chick Corea, Lisa Marie Presley, Catherine Bell, Kate Ceberano, and Juliette Lewis. Now magazine reported that Tom Cruise has been urged to seek medical attention regarding potential asbestos exposure, however a representative for Cruise stated he has “absolutely no knowledge” of the recent asbestos controversy. Cruise, Holmes, Travolta and Preston have celebrated birthdays and other events on the Freewinds.

There is not now and never has been a situation of asbestos exposure on the Freewinds.

In a May 15 statement to the United Kingdom daily newspaper Metro, a representative for the Church of Scientology said that “There is not now and never has been a situation of asbestos exposure on the Freewinds.” The Asbestos and Mesothelioma Center notes that agencies have recommended anyone who has spent time on the Freewinds consult with their physician to determine if possible asbestos exposure may have affected their health.

Raw blue asbestos is the most hazardous form of asbestos, and has been banned in the United Kingdom since 1970. Blue asbestos fibers are very narrow and thus easily inhaled, and are a major cause of mesothelioma. Mesothelioma is a form of cancer which can develop in the lining of the lungs and chest cavity, the lining of the abdominal cavity, or the pericardium sac surrounding the heart. The cancer is incurable, and can manifest over 40 years after the initial exposure to asbestos.

“This is the most dangerous type of asbestos because the fibres are smaller than the white asbestos and can penetrate the lung more easily,” said toxicologist Dr. Chris Coggins in a statement published in OK! Magazine. Dr. Coggins went on to note that “Once diagnosed with mesothelioma, the victim has six months to a year to live. It gradually reduces lung function until the victim is no longer able to breathe and dies.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Asbestos_controversy_aboard_Scientology_ship_Freewinds&oldid=4647051”

US Basketball: Jazz win, maintain Northwest Division lead

Tuesday, February 6, 2007

Mehmet Okur scored 12 of the last 14 points for the Utah Jazz in the final minutes of their game against the Chicago Bulls on Monday night, propelling the Jazz to a 100-95 win against the Bulls. Okur finished with 20 points and was the high scorer for the Jazz, who now have won three in a row. He played most of the fourth quarter despite picking up a fifth foul early in the final period. In addition to Okur’s contribution, Deron Williams contributed 18 points and 13 rebounds in the effort.

Kirk Hinrich was the game’s leading scorer with 26 points, and Luol Deng contributed 23. However, the Jazz shot 50% from the field and dished out 24 total assists. The Bulls could not match those numbers, only shooting 40% and earning 15 assists. The lack of ball movement was obvious early on, as the Bulls committed three offensive fouls in the second quarter – all as the result of Bulls players attempting to drive the ball rather than pass and try to break the effective zone of the Utah Jazz. Ben Gordon also picked up a flagrant foul early in the second quarter, starting off what would be an ugly twelve minutes for the visiting Bulls. The Bulls were outscored 33-18 in the second quarter, leaving them down 57-43 at the half.

It almost wasn’t enough of a lead for the Jazz, as the Bulls were able to fight back and cut the lead to three with a three-point shot from Chris Duhon with 1:20 remaining in regulation time. However, the Jazz answered right back with an Okur three-point field goal, and the Bulls could not recover. While the Bulls would answer back with another field goal, the Jazz would score the next four points and pull away with the victory.

  • Andres Nocioni was scratched with a foot injury. Team doctors believe that he may have a torn or inflamed plantar fascia; MRI results are not due back for another day or two. [1]
  • Jazz coach Jerry Sloan received a technical foul for arguing with the officials midway through the fourth quarter.
  • Earlier in the day, the Bulls’ Tyrus Thomas was named as one of the four participants in the 2008 Slam Dunk Competition during All-Star Weekend in Las Vegas.
Retrieved from “https://en.wikinews.org/w/index.php?title=US_Basketball:_Jazz_win,_maintain_Northwest_Division_lead&oldid=410673”

Feverfew compound gets at leukemia roots

Wednesday, February 23, 2005A compound in the common daisy-like plant feverfew kills human leukemia stem cells and could form the basis for newer, more effective drugs for the disease.

American researchers at the University of Rochester Medical Center in New York say that it could take months to develop a useable drug from the compound, parthenolide.

However, they are working to do so with chemists at the University of Kentucky who have identified a water-soluble molecule with the same properties. The US National Cancer Institute has also accepted the work into its rapid access program, which aims to speed experimental drugs into human clinical trials.

“This research is a very important step in setting the stage for future development of a new therapy for leukemia,” says Rochester researcher Craig Jordan. “We have proof that we can kill leukemia stem cells with this type of agent, and that is good news.”

Parthenolide appears to target the roots of myeloid leukemia, stem cells, while current treatments including the relatively new drug Gleevec don’t. So, “You’re pulling the weed without getting to the root,” says Jordan.

Used for centuries to fight fevers, inflammation and arthritis, feverfew earned interest from the Rochester researchers after other scientists showed that it could prevent skin cancer in animal models.

So the researchers investigated how a concentrated form of the plant component parthenolide would affect leukemia cells and normal cells.

Comparing the impact of parthenolide to the common chemotherapy drug cytarabine, they found that parthenolide selectively killed leukemia cells while sparing normal cells better.

While the findings suggest that parthenolide is a good starting point for new drugs, people with leukemia aren’t being encouraged to take high doses of feverfew as they could not take enough of the remedy to halt the disease.

The research is reported in the journal Blood.

Retrieved from “https://en.wikinews.org/w/index.php?title=Feverfew_compound_gets_at_leukemia_roots&oldid=1985493”

Serviced Apartments Shanghai, China}

Submitted by: Philipp Tuck

Nowadays in many countries, high-end serviced apartment represents not only a luxury mode of life, but rather the fame and gain and status of its residents. Indeed, high-end serviced residences have developed to be major housing style in big cities across the world, especially those cities with prime locations or beautiful sceneries, like New York, Tokyo, Singapore – and Shanghai. The fact that high-end serviced apartment is largely distributed over the big cities with dense population and developed economy indicates that it is becoming a necessary living style for people there. Under Chinas current home purchase restrictions, between the house in the suburbs and the serviced apartment in downtown area, most high-end consumers will unhesitatingly choose the latter.

High-end serviced apartment located in the heart of a big city often occupies the top of the pyramid in terms of the house price or rent. And its residents tend to be the elites from around the world. Living in the most prosperous part of the city, the residents of serviced apartment can enjoy the best of what the city has to offer and are also able to be at their office in next to no time.

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

Serviced apartments originated in Europe and then proceeded to thrive and abound in New York in 1980. The appearance of serviced apartment in China has been accompanied by the large foreign investment, a case especially in Shanghai. In the early 1990s, Pudong New District development attracted a lot of foreign investment and the foreign investors then had to choose high-end hotels as their working and living places owing to the lack of high-end residential quarters and modern office buildings in those days. Hence in the late 1990s there appeared the first batch of serviced apartments geared to the needs of administrative staff of foreign companies set up in Shanghai. By 2017, serviced apartments are a main pillar of the city’s real estate market. Famous hotel brands like Kempinski and the Mariott offer long-term packages, major apartment complexes provide comprehensive household services.

Home is always the source of power and a cozy haven in our journey through life. As the pace of life in the city speeds up, people are facing more work-related stress, and “home” has thus become a perfect haven of heart and soul. Actually, when choosing a place for living, people nowadays give priority to those residential quarters that can provide comprehensive community service and bring one the feeling of being at home. And as one representative of this kind of residential quarters, the serviced apartment is drawing wide attention.

Struggling with costs and stress brought about by the time and traffic, more elites with high incomes realize that luxury residents like villas outside the city can no longer meet their living needs, what they long for now is a home endowed with both prosperity and comfort, enabling them to move about inside the city and stay connected with their social circle. And therein lies the meaning of the high-end serviced apartment to the urban elite families. To live luxuriously in the downtown area, one may find that only serviced apartment can best meet people’s living requirements.

Compared with the status brought by the luxurious villas, high-end serviced apartments are more concerned with family atmosphere and the convenience of life. We might say that the high-end serviced apartment has started another mode of luxury residential living.

About the Author: Philipp Tuck frequently meets some of the most interesting and ambitious residents of Shanghai: high-caliber expats in Shanghai. Philipp aims at contributing to an unforgettable and successful time of each expat he meets by searching and finding the most suitable Shanghai home for them. A selection of apartments, lane houses and villas in Shanghai can be found at

townscapehousing.com

Source:

isnare.com

Permanent Link:

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“Woofstock” dog festival in Toronto, Ontario, Canada

Tuesday, June 12, 2007

North America’s largest outdoor dog festival came back to Toronto last weekend for its fifth year. It ran from the 9th of June to the 10th of June at Toronto’s historical St. Lawrence Market. A Wikinews reporter was there on Sunday to report on some of the events that happened on the last day.

The “Woofstock” dog festival attracted as many as 140,000 people with their dogs. The festival had tons of accessories, sold under tents, to buy for dogs; food, toys, designer clothes, and more. About 400 vendors and exhibitors were there to promote their products, which also gave private dog companies or groups a chance to show their new products. The local SPCA and some animal rescues were under tents answering questions from visitors. While walking, all visitors could see the CN Tower and other very tall buildings.

One of the local TV stations, Citytv, was there. They hosted a live event at the show which was broadcast on TV. People came up on the stage and asked questions regarding their dogs and the host and co-host answered them.

A man, who called himself the “Chalk Master”, drew two pictures on pavement with chalk. He did it for free but donations were welcome. One was a picture of a girl’s head beside a dog’s head, and another with a wolf.

“Hello Humans. I’ve been invited here to provide your eyeball(s), with some pretty colours. I don’t get paid as I work this weekend strictly for tips… so, if you like what you see please make a DONATION. If you don’t like it simply reach into the pocket of the person next to you and give me their money. CHALK MASTER.”

A contest called “Canada’s top dog” had its own tent with a professional photographer taking pictures of dogs behind a white screen; the winning photo is to be published on the cover of “Puppy and dog basics” magazine.

Large “Gourmet” dog bones were also served from a cart and table.

Next year’s festival is expected to be bigger and better with even more attractions.

Retrieved from “https://en.wikinews.org/w/index.php?title=%22Woofstock%22_dog_festival_in_Toronto,_Ontario,_Canada&oldid=724933”

“Jezebel of Jazz” Anita O’Day dies at age 87

Friday, November 24, 2006

Anita O’Day, best known for her sassy rendition of “Sweet Georgia Brown” and “Honeysuckle Rose” died in her sleep early Thanksgiving Day, November 23, 2006. She was 87.

Known as the “Jezebel of Jazz,” she was one of America’s most respected jazz vocalists whose vocal contemporaries included Ella Fitzgerald, Billie Holiday and Sarah Vaughan.

A Chicago native, she gained national recognition while touring with Jazz legends Gene Krupa and Stan Kenton. Her first national hit was on “Let Me Off Uptown” with Gene Krupa’s orchestra, which became a million dollar seller. Downbeat magazine named her “New Star of the Year” in 1942. After touring with Stan Kenton and his Orchestra, and recording “And Her Tears Flowed Like Wine,” her talent shown as a solo star. Her style became a foundational influence upon modern jazz recordings.

Her innovative scat style singing and lyrical ballads were recorded on Verve Records in the 1950s. Her colorfully innovative vocal style was evidenced in motion pictures “The Gene Krupa Story” and “Jazz On A Summer’s Day.”

Having a close brush with death from heroin addiction in 1967, she also survived alcohol addiction. She completed her autobiography “High Times, Hard Times” in 1981 and is the subject of a full-length documentary “Anita O’Day – the Life of A Jazz Singer,” which has yet to be released. Her last album, which she recorded at age 85, “Indestructable Anita O’Day,” on the Kayo Sterophonics/MRI label, was released last year.

Robbie Cavolina, her manager, said she was recovering from pneumonia at a Los Angeles convalescent hospital. And recollected that “On Tuesday night, she said to me, ‘get me out of here.’ But it didn’t happen.”

Referring to her renewed musical activity, he said that “She got to see how many people really loved her at the shows we did, in New York, in London. She had come back after all of this time. She really lived a very full and exciting life.”

Born Anita Belle Colton O’Day, October 18, 1919, she escaped from a broken home at age 14, and began contesting with touring walk-a-thons popular at the time, and was occasionally asked to sing. Upon her return to Chicago, she landed her first legitimate singing job at Planet Mars, a Chicago nightclub. Carl Cons, Down Beat magazine’s then-editor, was so impressed with her performance that he invited her to open his new jazz club.

As a showcase for promising jazz talent, The Off-Beat was frequented by such musicians as drummer Gene Krupa, and others. During one of her performances there in 1941, Krupa recruited her to join his orchestra.

In 1943, Anita left Krupa’s band and married professional golfer Carl Hoff. She later briefly joined clarinetist Woody Herman’s band, then reluctantly Stan Kenton’s. Thinking her style wasn’t compatible with hers, she was surprised when in 1944 the tune “And Her Tears Flowed Like Wine” became a national hit.

Anita’s fierce love of swing beats, conflicted however with Kenton’s infatuation with strident rhythms and novelty tunes, and a year later, left over artistic differences.

Her improvisational style, and love of bebop lured her toward those with whom she could hone her talent, and by the late 1940s began her career as a solo jazz vocal artist.

She invited John Poole, a drummer whom she met at the Club Starlite in Los Angeles, to join her. She once said of John, “If the drummer is no good, I can’t make it. That’s why I like John Poole. He’s my favorite drummer.” Their musical affiliation lasted 32 years.

In 1955, Norman Granz signed Anita to his company, Verve records, and her debut album “This is Anita” was the label’s first LP. Though she rarely sang ballads, her interpretation of “A Nightingale Sang in Berkeley Square,” was considered so enthralling and fascinating that rocketed her career to new levels.

Her performances with jazz greats Louis Armstrong, Dinah Washington, Thelonious Monk, George Shearling and others were renown. She became an international star after her performance of “Jazz on a Summer’s Day” at the 1958 Newport Jazz Festival, which later became a documentary film.

Anita recorded 16 albums between 1957 and 1963 with a variety of groups, ranging from small ensembles, big bands to large orchestras. Her performances’ ranged from vibraphonist Cal Tjader to The 3 Sounds, a hard bop trio. Her first Japanese tour in 1964 was received with acclaim while stateside, the popularity of jazz was decreasing.

Her nonconventional, self-initiated cold-turkey recovery from heroin addiction at a Hawaiian retreat was successful, and she later returned to work. Her last public performance was at Hollywood, California‘s Cinegrill Cabaret Lounge at age 83.

Retrieved from “https://en.wikinews.org/w/index.php?title=%22Jezebel_of_Jazz%22_Anita_O%27Day_dies_at_age_87&oldid=2514178”

Buyer Beware! The Truth About Real Estate Brokers And Multiple Listing Services

By Bob Miles

Most people believe that if they hire a real estate broker, then only that broker will help them find a buyer. In many cases, however, this is not true. Most brokers have access to multiple listing services, which allow a broker to list the concerned real estate with many brokers with the understanding that if another broker locates a suitable buyer for the first broker’s client, then the two brokers will share the commission. This is good for brokers because they can earn money from buyers who may not be looking for the type of property their own clients are selling; it is good for sellers because for the same price they can take advantage of the efforts of many brokers instead of just one; and it is good for buyers because many brokers representing many different sellers will be looking for them.

Brokers perform two different functions – the ‘listing broker’ represents the seller, and the ‘showing broker’ shows the real estate to potential buyers. Although most people assume that these two functions are carried out by the same person with respect to a particular piece of real estate, with multiple listing services this isn’t necessarily the case. In many cases the showing broker has received authorization to show the house from the listing broker. This is important because although the buyer may assume that the showing broker represents him, in fact the showing broker represents the seller’s interests, not his. In response to this situation, and increasing number of potential buyers are concluding broker’s contracts with their own brokers to make sure they are receiving (relatively) unbiased information about the real estate that is shown to them. If you are a buyer, it would certainly be a good idea to conclude such an arrangement. Although you will have to pay for it, consider how much money you have to lose by buying a house that you will later regret buying. Of course, this arrangement offers new opportunities for corruption as well – imagine a broker secretly representing buyer and seller at the same time and receiving commission from both!

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

DISCLAIMER: The foregoing is intended for reference purposes only and not as legal advice.

About the Author: Real Estate Law in Plain English explains real estate law without the legalese.

Source: isnare.com

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CN Health & Safety Plan planned to be cancelled

Monday, August 29, 2005

On July 18, 2005 CN Rail notified the CAW that they intend to cancel the CN-CAW previously Negotiated Health & Safety Plan. The CAW will be going to arbitration this fall to address the issue. The CAW has asked that employees notify their Health and Safety Rep about any safety concerns at the work place.

One terminal has lost 5-6 full-time positions. CN Rail used to have part-time positions filled as well, but at this time there are no part-time employees to cover work if a full-time employee is absent. Overtime is necessary to keep the trains running on time. Intermodal traffic goes up, but staff goes down. CN Rail expects the trains to go out on time, and in a safe condition, but staff is overworked, because there are not enough of them. In fact, one worker noticed that most of the rail cars that contained 40 foot overseas containers did not have their loading guides in place. Trains are not allowed to go out without these guides placed into the cars (the guides stop the loads from swaying from side to side in the cars), important for safety with double stacked containers, but it seems that in this case the lack of employees forced the train to leave without them.

Some recent derailments have come to the attention of the media and politicians.

On August 3rd 2005 there was a derailment in Wabamun Lake Alberta that spilled toxins into the lake. 2 days later there was a derailment in Cheakamus River near Squamish BC. Both derailments spilled hazardous materials into the water. Many are saying that CN took too long to notify people of the toxic spills.

The Conductor on each train carries with him the shipping manifest with him and has access to that information at all times. Almost any CN terminal that has a clerk working at it with access to the CN Intranet can get this information within minutes.

CTV news has said that this is the 5th derailment for CN this month.

Retrieved from “https://en.wikinews.org/w/index.php?title=CN_Health_%26_Safety_Plan_planned_to_be_cancelled&oldid=627251”

Secrets To Lower Your Payments On Mortgage Without Refinancing

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Ways of lowering mortgage payment are many while you also keep cash I your account. The common idea is to refinance your home loan and benefit a lower rate. However, the cost of mortgage refinancing is high and some homeowners may not have the cash. In most issues, your mortgage payment might be lowered by your lender without refinancing the home loan. This article will help and guide you to get the know-how.

You need to prepare your financial documents ad proposal to request lower payments on your mortgage. Below are the steps to take to get your lower payment from your lender without any hassle.

1 Prepare your Financial Hardship Documents

[youtube]http://www.youtube.com/watch?v=5WpU2j7W1yY[/youtube]

The mortgage lender needs to restructure the loan terms to lower your mortgage payment without the option of refinancing the home loan. Be aware that not everyone qualifies for this provision. Before any request will be approved, your financial situation will be review by the lenders to determine if you qualify for help. Most legitimate reasons lenders will consider are loss of employment, injury, illness or disability. You will need to present copies of your financial statements (paychecks stubs, bills, banking statements, hospital bills – I case of illness or injury – unemployment compensation).

2. Take Immediate Action

Instead of waiting until your situation gets beyond your capability, make a contact to your mortgage company whenever you are perceiving problem financially.

3. Request for a loan Modification.

Mortgage modification is a type of loan restructure, in which lenders accept to lower the interest rate or extend the term of loan to reduce the mortgage monthly payment. The idea might be suggested by your lender, if not, ask for a loan modification.

4. Submit Your Proposal

Ask your lender to switch your interest-only or adjusted rate mortgage to one fixed rate, or a loan extension can be requested by you. In few cases, payments may be suspended temporarily for a certain period of time by the lender.

5. Sit-up your mortgage Lender

Lenders terms and policy are varied and few may not approve or accept your proposal. Then propose a meeting with your mortgage lender to iron things out, they will he happy to work with you on your home loan as mortgage lender are not satisfied on foreclosure.

Article Source: sooperarticles.com/real-estate-articles/mortgage-financing-articles/secrets-lower-your-payments-mortgage-without-refinancing-161858.html

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You may read more tips on how to lower your mortgage payments, visit MortgageRefinancing.tk Home refinancing can save you thousands but if it is done the wrong way, cost you thousands. For Recent News and Updates read more @ MortgageRefinancing.tkAuthor: John Weiver