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Mortgage Payment Protection Insurance Could Be Your Lifeline

By Simon Burgess

If you were to find yourself out of work after suffering from an accident, were to become ill or become unemployed then life could get extremely hard and you could be at risk of losing your home if you cannot keep up with the mortgage repayments. However, the solution to this financial nightmare is mortgage payment protection insurance.

Regardless of your circumstances your mortgage would still have to be paid and if you had checked a mortgage payment protection insurance policy against your circumstances and found it suitable, then you would not have to worry. Once you had been out of work for between 31 to 90 days depending on the provider you would receive an income which would allow you to continue repaying your mortgage. The money would be tax free and would then continue paying out each month for between 12 and 24 months depending on the provider.

[youtube]http://www.youtube.com/watch?v=0ZQibzONkeE[/youtube]

However you do have to check that a policy would be suitable and you would be eligible to claim because there are exclusions which could mean a policy would be useless in your circumstances. If you only work part time, suffer a pre-existing medical condition, are retired or self-employed then a policy would not be in your best interest. Providers can add in other exclusions so it is essential to read the small print and compare the exclusions in the policy at the same time as comparing the small print. A quality policy would have no excess and very few exclusions whilst being affordable, it should also come with the terms and conditions including the exclusions clearly explained in plain English.

An independent specialist provider will always offer the cheapest quotes for the premiums along with the best advice and all the information needed for you to be able to make an informed decision regarding the suitability of the product. Mortgage payment protection insurance can be hard to understand so it is imperative that you do choose to take the cover out with a specialist and not have it included into the cost of the mortgage at the time of taking the mortgage out. High street lenders give very little advice regarding the exclusions and terms and conditions which has accounted for the majority of mis-selling and the product earning a bad reputation.

Mortgage payment protection insurance should become more transparent in March 2008 with the introduction of comparison tables. The tables will show how much the cover will cost in total along with the exclusions in a policy and through a series of questions which the consumer answers, they will be able to determine which if any of the payment protection policies are most suitable. The cover can work the way it was designed to work but you do have to take the time to read the exclusions and determine for yourself if mortgage cover is the right choice for your circumstances. Mis-selling of policies is only done through ignorance of the product and it is no the actual policy itself that is to blame.

About the Author: Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of

mortgage payment protection insurance

, loan protection insurance and income protection insurance.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=210879&ca=Finances

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India: Maharashtra plastic ban comes into force

Monday, June 25, 2018

On Saturday, the plastic ban in the Indian state of Maharashtra came into force. In an attempt to minimise pollution, the state government has introduced a ban on single-use plastics.

The leader of the Yuya Sena political party, Aaditya Thackeray, said on Twitter, “The ban on single use disposable plastic cups, plastic bags, plastic straws, plastic plates and cutlery, styrofoam cutlery and non woven bags”. He added, “these are global issues now and we have taken a step to combat it”.

Plastic pollution has led to the choking of drains, marine pollution and a risk of animals consuming plastics. This year, India’s motto for World Environment Day — June 5 — was “Beat Plastic Pollution”. People violating the plastic ban are to face a fine of 5,000 Indian Rupees (INR) for the first offence. For the second offence, the fine is INR 10,000 and the third time offence is INR 25,000 and a three-month prison term. Deputy municipal commissioner Nidhi Choudhary said, “To weed out corruption, we plan to give inspectors payment gadgets for electronic receipts of the fines”.

The Maharashtra government has given a 90-day period for manufacturers to dispose of existing polyethylene terephthalate (PET/PETE) plastic spoons and plates, while shopkeepers and citizens in general have six months to dispose of plastics. However, the ban does not prohibit plastic usage for wrapping medicines or milk cartons thicker than 50 microns.

The state government had announced the decision for the plastic ban on March 23. According to NDTV’s report, Maharashtra is the eighteenth Indian state to enforce a state-wide plastic ban. Aaditya Thackeray also said, “I congratulate the citizens for making this into a movement, even before the ban was enforceable, giving up single use disposable plastic.”

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Swedish nuclear reactors shut down over safety concerns

Saturday, August 5, 2006

 Correction — August 14, 2006 This article reports that the Forsmark Nuclear Power Plant reactor cooling systems failed. This is incorrect. Two of the four emergency diesel generators supplying power to the plant failed to start as expected, during a reactor shut down. The emergency cooling system, which functioned normally was sufficient to meet the reactor’s needs. Wikinews apologises for the error 

Three of Sweden’s ten nuclear reactors have been shut down due to safety concerns following an incident last week at the Forsmark Nuclear Power Plant, in which the reactor cooling systems failed. The reactor has since been shut down there. After the incident, the Swedish Nuclear Power Inspectorate, SKI asked all the nuclear power plants to demonstrate that the same failure could not happen in them. On Wednesday, two more reactors at Oskarshamn were shut down after the operator said their safety could not be guaranteed.

Last week’s incident at the Forsmark plant was triggered by a short circuit that cut power to the reactor cooling system. Two of the four backup generators also failed to start, but the remaining two worked and were sufficient to meet the plant’s needs. Greenpeace reports that the fault in the backup power systems were traced to new equipment installed in 1993.

The spokesman of the Swedish Nuclear Power Inspectorate Anders Bredfell denied that there was any danger of a meltdown, adding that there was also a backup gas turbine to power the cooling system in an emergency.

However, Lars-Olov Höglund, who was responsible for the nuclear plant Forsmark for many years, said the incident was the most dangerous one since Chernobyl and Three Mile island, and that a meltdown was avoided only by pure luck. His views have however been questioned as he is involved in litigation with the Swedish nuclear industry and is known as an outspoken nuclear critic. Researchers at the Royal Institute of Technology as well as the personnel at the power plant were critical of Höglunds’ view.

Speaking to BBC News, SKI spokesman Anders Bredfell said that the International Atomic Energy Agency (IAEA) was informed of the incident as required and that the incident classes as a ‘2’ in the 0-7 scale used by the IAEA to assess the severity of the incident.

Another reactor in Forsmark and a fifth at Ringhals nuclear power plant have been offline due to planned maintenance work. With five of its ten reactors down, Sweden’s power generation capacity is down by almost a fifth.

The environmental group Greenpeace called on the government to shut down all reactors and probe whether the fault was a generic one. The Green Party has called for an independent investigation of the incident. Sweden is scheduled to retire all its nuclear power plants in the next few decades, as decided by a referendum in 1980.

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U.S. ISPs to test restricting heavy Internet users

Thursday, June 5, 2008

On June 3rd, 2008, two United States Internet service providers (ISPs) announced they would begin tests to slow web access for their most active customers and charge them for extra speed. Comcast and Time Warner Cable, two of the largest ISPs in North America, both made separate announcements of their plans. The actions come in the wake of an investigation by the Federal Communications Commission (FCC), over whether Comcast had restricted some customers from sharing videos, music, and similar files. The FCC investigation led to a US Congress debate over whether and how much control ISPs should have over the flow of customer data.

Public interest groups complained in November 2007 to the FCC that Comcast had specifically targeted customers using applications that made use of the BitTorrent system, a popular form of file sharing. Free Press, an advocacy group that pushes for better oversight of cable operators such as Comcast, stated that Comcast practices were discriminatory towards users of the legal technology. “The cable companies see a hammer hovering above their heads and are scrambling to find ways to reduce the appearance of wrongdoing,” said Ben Scott, head of the group.

According to Roger Entner, a senior vice president from Nielsen IAG, as little as 5 percent of all Internet users may consume as much as 50 percent of all the bandwidth on the Internet. “This is the politically correct version of doing what Comcast had been doing before, though it takes the occasional [peer-to-peer] user off the hook,” Entner said. Sena Fitzmaurice, a Comcast spokesperson, said, “This says we won’t be looking at what type of traffic that there is, even though we still need to manage the network.”

Comcast’s tests are expected to begin in Chambersburg, Pennsylvania and Warrenton, Virginia.

While Comcast will attempt to throttle the speed of all its high-volume users, Time Warner Cable intends to use a different method. They will meter and bill clients, charging more money for faster speeds and larger amounts of transmitted data, functioning more like a traditional public utility, such as an electric company or cell phone service. Their metered billing test will begin on June 5 in Beaumont, Texas for newly enrolled customers. “Instead of raising prices across the board, consumers who are excessive users would pay,” said Alex Dudley, a Time Warner Cable spokesman. “It is clearly the fairest way to fund the investment that is going to be required to support that use.”

An Associated Press report that Time Warner Cable will bill customers between $29.95 to $54.90USD per month has been confirmed by the cable operator, with clients charged an extra $1 for each gigabyte (GB) by which they exceed their purchased plan. Art Brodsky, communications director of Public Knowledge, a consumer advocacy group in Washington D.C., has expressed concerns about the Time Warner Cable plan. Time Warner Cable’s most expensive offering, $54.90, comes with 15 megabits-per-second of data transfer speed and a 40 gigabyte limit on total data transfer.

“An HD (high-definition) movie is 8GB or so, three movies is more than half your allowance for a month, and heaven knows what else you might want to watch,” Brodsky says. “This is not a relieving congestion scheme as much as it is a rationing scheme. All it does is protect an inadequate infrastructure from the cable company.”

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Atlas V successfully launches spy satellite

Thursday, March 13, 2008

An Atlas V rocket has successfully launched a classified spy satellite for the United States National Reconnaissance Office (NRO). The satellite, currently known to the public as NRO L-28, or Launch 28, is believed by amateur enthusiasts to be a signals intelligence (SIGINT) spacecraft, known by the codename Trumpet. The Atlas V carrier rocket flew in the 411 configutation, with a 4 metre diameter fairing, one solid rocket motor, and a single-engine Centaur upper stage.

The rocket lifted off from Vandenberg Air Force Base, Space Launch Complex 3 East (SLC-3E), at 10:02 GMT (03:02 local time) this morning. Today’s flight marks the thirteenth launch of the Atlas V, and the first Atlas V launch from Vandenberg. It is also the tenth orbital launch of 2008. The satellite entered a Molniya orbit, usually used by the NRO for SIGINT and communications satellites.

The launch was conducted by United Launch Alliance, a joint venture between Lockheed Martin, who designed and built the Atlas V, and Boeing, to provide EELV launches for the US Government. ULA president Michael Gass described the launch as “a proud moment in our company’s history”. The launch had been delayed by two years, from early 2006, due to a number of factors.

In addition to its reconnaissance payload, the satellite is carrying two small experiments. SBIRS-HEO 2 and TWINS-B. SBIRS is a test article for a missile detection system, slated to launch late this year or early next, and TWINS is a NASA infrared astronomy experiment. They will remain attached to the satellite for the duration of its mission.

Following the separation of the payload fairing, around five minutes after launch, all information on the launch was withheld, however about an hour into the flight, the launch was confirmed to have been successful. ULA will conduct its next launch on Saturday, when a Delta II will orbit a GPS satellite. The next Atlas launch is scheduled for mid-April, with the ICO G1 communication satellite.

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Film project aims to raise £1 million to make a Creative Commons-licensed film

Friday, June 23, 2006

Matt Hanson aims to raise £1 million to fund the production of a feature-length film which would be distributed freely via the Internet under a Creative Commons licence, all funded through 50,000 people each donating £25 to the project, which he’s called ‘A Swarm of Angels‘.

No stranger to filmmaking, Matt has produced numerous digital short films, a series of books on digital filmmaking and set up the digital film festival onedotzero, now in its tenth year. He wants to finally make a feature length film, and decided that it was better to turn to the Internet for help and funding rather than plod through the usual ‘development hell‘.

“I wanted to put into practice what I’ve been preaching as a film futurist for ten years, and the technology and Internet infrastructure has just really caught up with that vision now for me to put it into practice.”

The process is inspired by the ‘web 2.0‘ movement, using social and collaborative communities on the Internet. Matt doesn’t see the funding as coming from donations, but as people paying a subscription to become part of a ‘Swarm’. “Rather than the ‘many producer’ model, this is more of an [sic] ‘smart consumer’ model … members can help implement and bring their expertise into play, and so become more actively involved in the production.”

The project hopes to use professional actors and crew, but use qualified members from the swarm as much as possible. The cast and the crew, including any volunteers that get chosen, would be paid for their work on the film, with Matt suggesting that this is “a great way for people to get into the industry”.

Those members not directly involved in making the film can still participate in the process by discussing ideas on a messageboard, and having a vote on certain crucial decisions such as which script gets chosen for production. Asked how he would balance his own creative direction with input from members, Matt said “my vision will lead the project forward and define the parameters, but the Swarm can influence that, and indeed offer improvements or insights I might not think of alone”.

“Remember filmmaking is always a team effort – whether you are Martin Scorsese, Stanley Kubrick or Jean Luc Godard, you promote people within the project that will complement and bring something extra to the vision of the film. Give it more life. With the Swarm we are making that process more democratic, and giving a wider range of people an opportunity to shine and have creative input.”

Members are promised a collector’s edition DVD of the end product and exclusive merchandise, but the main distribution of the film will be via the Internet, using ‘BitTorrent‘ and peer-to-peer networks. “Unlike many other filmmakers, I’m not wedded to cinema projection as the ‘be all and end all’ – I’m much more excited about people viewing remixed versions on their video iPods,” explains Matt.

The ‘remixing’ of the film will be possible thanks to it being distributed under a Creative Commons licence. Matt suggests that the ‘younger generation’ is more used to being involved with and interacting with entertainment, and points to remixes of the Star Wars films (eg ‘The Phantom Edit‘) as an example of these ‘mashups’. “At the end of the project I would love to have an event that showcased five wildly different versions of the film, different visions from people other than my definitive initial edit,” he suggests. The licence will be for non-commercial use only, however, and so commercial TV stations would still have to pay in order to screen the film.

The project is partly inspired by the success of ‘The Million Dollar Homepage‘, in which British student Alex Tew aimed to raise a million dollars to fund his university education, simply by selling advertising space on a single web page. The publicity surrounding the idea, coupled with the ‘viral’ effect of Internet users passing the page on, meant that he eventually managed to make himself the million dollars.

The success of these projects partly seems to depend on them being interesting and original enough to attract enough attention, and it’s often difficult to see how they could be repeated. Copy-cat versions of the million dollar homepage have so far failed to hugely take off. When asked about this idea, Matt responded “I already expect people to copy the model we are inventing with A Swarm of Angels – it’s a perfect way to create cult media, where the director gets more creative control and organically funds a project, and the fans of the project get more involvement within it. If the market gets too crowded with these projects though, then they’ll have to be packaged differently to stand out. But that’s what traditional film and media projects need to do anyway.”

Over 600 members have signed up to the ‘swarm’ so far, which Matt comments is already an early success, but 50,000 members in total will be needed in order to fully fund the £1 million budget. Matt suggests that getting to the next stage, of reaching 1,000 members, followed by the phase of getting 5,000 members, will be the hardest part, as after that the film will be more ‘tangible’. He expects to raise the full budget, but comments that if the fundraising stalls, “options will be presented by advisors and The Swarm, and based on some kind of consensus we’ll come up with the best option for moving forward.”

Traditionally, independent films are funded either through persuading wealthy individuals to invest, who sometimes are sometimes given ‘Executive Producer‘ credits, or through organisations like the UK Film Council, who award funds from the National Lottery. A tax credit for producers making small films in the UK was announced by the government in 2005, in a bid to give a boost to the UK independent film industry.

Matt says that the film will be “a thriller with soft science fiction elements”, which he says will suit his target audience. “But it will have an indie edginess to it, and be far more visually inventive than you would get with a ‘normal’ British independent feature.” Contributors to the project include artists The Kleptones, who will help with the soundtrack, comic book writer Warren Ellis and documentary filmmaker Grant Gee.

The Swarm of Angels project is online at aswarmofangels.com and costs £25 as an individual to become a member.

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NASA celebrates 30th anniversary of first shuttle launch; announces new homes for retired shuttles

Wednesday, April 13, 2011

NASA celebrated the launch of the first space shuttle Tuesday at an event at the Kennedy Space Center (KSC) in Cape Canaveral, Florida. On April 12, 1981, Space Shuttle Columbia lifted off from the Kennedy Space Center on STS-1, the first space shuttle mission.

NASA held a ceremony commemorating the date outside the hangar, known as Orbiter Processing Facility-1, for Space Shuttle Atlantis, which is being prepped for its final mission which will be STS-135, which will be the last Space Shuttle mission.

At the ceremony, NASA Administrator Charles Bolden announced the locations that would be given the three remaining Space Shuttle orbiters following the end of the Space Shuttle program. The prototype orbiter, Space Shuttle Enterprise would be relocated from the Smithsonian’s National Air and Space Museum Steven F. Udvar-Hazy Center at Washington Dulles International Airport to the Intrepid Sea-Air-Space Museum in New York City.

Space Shuttle Discovery will take the place of Enterprise at the Udvar-Hazy Center. Discovery has already been retired following the completion of STS-133 last month, its 39th mission. Discovery is undergoing decommissioning and currently being prepped for display by removing toxic materials from the orbiter.

Space Shuttle Endeavour, which will launch on STS-134 at the end of the month on April 29, will be sent to the California Science Center in Los Angeles, California following its retirement. Finally, Atlantis will go on display at the Kennedy Space Center Visitor Complex following the orbiter’s last flight which launches June 28.

Columbia was lost tragically back on February 1, 2003 when it disintegrated during re-entry killing all seven astronauts aboard. Space Shuttle Challenger was lost when it exploded 73 seconds after liftoff back on January 28, 1986 killing all six aboard.

“We want to thank all of the locations that expressed an interest in one of these national treasures,” said Bolden to the gathered crowd which contained many KSC employees. “This was a very difficult decision, but one that was made with the American public in mind. In the end, these choices provide the greatest number of people with the best opportunity to share in the history and accomplishments of NASA’s remarkable Space Shuttle Program. These facilities we’ve chosen have a noteworthy legacy of preserving space artifacts and providing outstanding access to U.S. and international visitors.”

Over twenty locations looked to obtain one of the orbiters because of potential tourism booms from them.

This was a very difficult decision, but one that was made with the American public in mind. In the end, these choices provide the greatest number of people with the best opportunity to share in the history and accomplishments of NASA’s remarkable Space Shuttle Program.

Not all were pleased with the final choice of locations. U.S. Senator John Cornyn, Republican from Texas, issued a statement regarding the rejection of Johnson Space Center (JSC) in Houston, Texas as a location. “Like many Texans, I am disappointed with NASA’s decision to slight the Johnson Space Center as a permanent home for one of the Space Shuttle Orbiters. Houston has played a critical role throughout the life of the space shuttle, but it is clear political favors trumped common sense and fairness in the selection of the final locations for the orbiter fleet.”

Cornyn’s statement added, “There is no question Houston should have been selected as a final home for one of the orbiters—even Administrator Bolden stated as much. Today’s announcement is an affront to the thousands of dedicated men and women at Johnson Space Center, the greater Houston community and the State of Texas, and I’m deeply disappointed with the Administration’s misguided decision.” However, the JSC will recieve pilot and commander seats from the flight deck.

The Museum of Flight in Seattle, Washington was also proposed as another location for a shuttle, going so far as to build a new building to house an orbiter. In a statement, Governor of Washington Chris Gregoire said, “The Museum of Flight put a tremendous amount of effort into landing a retired shuttle in the Pacific Northwest. As the home of modern day air travel and the 747, which has gracefully transported shuttles for the last 30 years, Seattle would have been a perfect fit. While the Museum of Flight was in the top running, I’m disappointed that NASA did not choose them.

“However, the full fuselage trainer, that every astronaut including [former Museum of Flight CEO] Bonnie Dunbar has been trained on, will soon call the Museum of Flight home. The largest of the trainers, this addition will allow visitors to actually climb aboard the trainer and experience the hands-on training that astronauts get. Visitors will not be allowed in the other shuttles and this trainer is a true win for our dynamic museum. It will help inspire young people to the adventure of space and to the excitement of a career in science, technology, engineering and math.”

Today’s announcement is an affront to the thousands of dedicated men and women at Johnson Space Center, the greater Houston community and the State of Texas, and I’m deeply disappointed with the Administration’s misguided decision.

Other items include various shuttle simulators which will be given to the Adler Planetarium in Chicago, Illinois, the Evergreen Aviation & Space Museum of McMinnville, Oregon, and Texas A&M’s Aerospace Engineering Department. The nose cap assembly and crew compartment trainer for the National Museum of the U.S. Air Force at Wright-Patterson Air Force Base in Ohio and orbital maneuvering system engines for the U.S. Space and Rocket Center in Huntsville, Alabama, the National Air and Space Museum, and the Evergreen Aviation & Space Museum.

NASA is also offering shuttle heat shield tiles to schools and universities that want to share technology and a piece of space history with their students.

The 30th anniversary of the first shuttle mission coincided with the 50th anniversary of the first manned space flight when Yuri Gagarin lifted off aboard Vostok 1 into space.

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Sony refreshes VAIO brand for business and entertainment

Thursday, July 31, 2008

From the middle of July, Sony Corporation refreshed their senior laptop brand VAIO from “Video Audio Integrated Operation” to “Visual Audio Intelligent Organizer”. According to Sony Taiwan Limited, this refreshment is an attempt to relocate the laptop consuming market for business and entertainment factors.

In the “VAIO Experience 2008” press conference in Europe, Sony promoted their new product series for different populations including BZ for business, FW for home entertainment, Z for ultra-slim, and SR for complex applications.

Different with past series, Sony added “Clear Bright” screening technology for high-definition display, and “full-carbon production” features. BD-burning and Intel Centrino 2 processing technologies will be featured in all the new models. For security issue, Sony also embedded fingerprint system to prevent personal data to be stolen. Continued from TZ series, innovative designs including “Green Power Button”, “Situational Switch” are also added in newly-launched series.

“Due to consuming market differences, Sony only promoted BZ series in Europe and America but not included Asia. Although the TICA Show in Taipei will be different, functionality will be the greatest issue when a consumers choose a notebook [computer] before buying.” addressed by executives from Sony Taiwan Limited, during the “VAIO Experience 2008” press conference in Taiwan.

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Britney Spears fired by management company

Tuesday, September 18, 2007File:Britney-Spears082.jpg

The Firm, a company which pop singer Britney Spears hired to manage her career just over one month ago, no longer wishes to manage Spears, and has terminated the services they were providing her to promote her new record.

“We have terminated our professional relationship with Britney Spears. We believe she is enormously talented, but current circumstances have prevented us from properly doing our job,” said the company in a statement to the media. Jeff Kwatinetz was the manager for Spears. It is not yet known what circumstances caused the company to sever their ties with Spears.

Spears is releasing a new album, scheduled to be put on shelves in November, and her record label, Jive Records, has stated that the recent incident will not delay the release of her record.

“The label does not comment on artist/management relations. We’re gearing up for a Nov. 13 album release date,” said the record label in a statement to the media.

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Near collision between military and civilian planes in India

Thursday, September 21, 2006

A Jet Airways Boeing 737 with 89 people on board was involved in a near-collision with a formation of Indian Air Force Sukhoi-30s in the skies over Rajkot airport at around 8:30 AM (IST) today. The Jet Airways plane developed a technical snag as a result of the sudden climb it had to execute to avoid the fighter jets, which were participating in the Gagan Shakti air-exercise. The 737 was subsequently grounded at Rajkot.

Preliminary reports suggest that the narrowly-averted mishap may have been caused due to a lack of co-ordination between the Jet Airways crew and Rajkot air-traffic controllers. A Jet spokemsan said that flight 9W-345 from Mumbai CST to Rajkot was on a normal approach to the airport, when the ACAS (Aircraft Collision Avoidance System or Airborne Collision Avoidance System) instructed the pilots to climb from 22,500 ft to 23,000 ft. The 737 reportedly came within 500 feet of the IAF jets.

The Air Force statement issued in New Delhi, however, said “Prima facie reports available suggest that the fighter aircraft did not pose any threat to the civil airliner as they were under control of ground-based radar and in visual contact.” An inquiry with the Directorate-General of Civil Aviation is underway to investigate the incident.