By Carrie Reeder

Subprime lenders finance high risk groups to enable them to buy a home. While you need to be aware of predatory lending practice, by researching lenders you can find a mortgage loan at a reasonable rate.

Bad Credit Factors

Before you sign up with a subprime lender, be sure that you truly have bad credit. There are five factors that determine your credit score: payment history, credit history, amount owed, types of credit, and new credit. Each of these factors are weighted differently, so a series of late payments on one account may be offset by low debt, no new credit inquires, and other factors.

A FICO score less than 570 will require you to use a subprime lender. However, you may be able to still use a traditional mortgage lender by providing a large down payment, qualifying you for lower interest rates.

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Subprime Financing Versus Predatory Lenders

Subprime lenders offer genuine financing so you can purchase your home and repay your loan. Predatory lenders seek to strip your home equity, charge excessive interest rate, and foreclose on your home.

Predatory lenders will often list their site on public forums in an effort to lure unsuspecting victims. They will also make claims that they are the only ones who will lend to you or that they can fix all your credit problems. Also, beware of lenders that insist you work with a particular contractor or real estate agent.

Finding A Good Subprime Lender

To find a good subprime lender, use an online mortgage broker who will give you quotes from several different lenders. Compare rates and fees to see which are the most reasonable. Also ask lenders if they are approved by HUD. With poor credit, you may qualify for government mortgage insurance.

You should also determine what you can afford to pay monthly and not feel pressured to borrow more than that. If you are concerned about monthly payments, look at an adjustable rate mortgage (ARM), which offers low interest rates initially. An ARM is also easier to qualify for. However, a fixed rate mortgage offers long term predictability on how much your monthly payments will be.

About the Author: See my recommended Subprime Mortgage Lenders online. Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with bad credit.


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Wikinews interviews peace activist Cindy Sheehan, 2014 California gubernatorial candidate

Thursday, August 8, 2013

Peace activist Cindy Sheehan, who recently announced her intention to run as the Peace and Freedom Party’s nominee for governor of California in 2014, took some time to answer five questions from Wikinews reporter William S. Saturn.

Sheehan is best known for her active opposition to the War in Iraq following the loss of her son Casey there in 2004. In protest of the war, she set up camp outside President George W. Bush’s ranch in Crawford, Texas, demanding a pullout of U.S. troops and prosecution of Bush administration officials for war crimes. According to her website, Sheehan also advocates revolutionary socialism, believing it to be key to loosening the “Imperialist/Capitalist two-party stranglehold” on U.S. and world politics.

This campaign is not Sheehan’s first foray into electoral politics. In 2008, she challenged then-House Speaker Nancy Pelosi for Congress, finishing second in a field of seven candidates. During the campaign, she championed the reduction of U.S. troops abroad, and endorsed economic democracy, bank nationalization, single-payer health care, education subsidies, marijuana decriminalization, alternative fuels, and electoral reform. In 2012, she ran as the vice presidential nominee of the Peace and Freedom Party on a similar platform. The party promotes socialism, feminism, and environmentalism.

Other gubernatorial candidates include Governor Jerry Brown of the Democratic Party, former Lieutenant Governor Abel Maldonado of the Republican Party, and 2012 Justice Party vice presidential nominee Luis J. Rodriguez of the Green Party.

With Wikinews, Sheehan discusses third party politics and her campaign and governing strategy, and assesses past governors of California, including Brown.

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Michigan coaching icon Bo Schembechler dies

Thursday, November 23, 2006

Renowned University of Michigan college football coach Bo Schembechler, died Friday at the age of 77.

Schembechler collapsed at the studios of WXYZ-TV after taping a TV show on the eve of the Wolverines’ No. 1 vs. No. 2 showdown with perennial rival Ohio State. He was taken by ambulance to the hospital where he died at 11:42 a.m. “The electrical part of the heart was working fine but the mechanical part was not working,” said Dr. Shukri David, the head of cardiology at Providence Hospital. “The heart was sending signals to the heart muscle to contract. The muscle was not responding.”

Schembechler had a heart attack on the eve of his first Rose Bowl in 1970 and another one in 1987. He had two quadruple heart-bypass operations, and doctors implanted a pacemaker to regulate his heartbeat after he became ill during a taping at WXYZ on Oct. 20.

“This is a tremendous shock and an irreplaceable loss,” University of Michigan president Mary Sue Coleman said at a news conference at Providence Hospital in Southfield, where the coach died.

The seven-time Big Ten coach of the year compiled a 194-48-5 record at Michigan from 1969-89. Schembechler’s record in 26 years of coaching was 234-65-8.

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Itchy Penis Coping Strategies Do s and Don ts of Penis Care


John Dugan

In spite of the obvious pleasures that come from having a penis, most men are occasionally bothered by unpleasant problems like chafing, itching, redness, soreness, and general discomfort. An itchy penis is no joke, especially when a twitch in the boxers leaves men with an unbearable urge to scratch or readjust the package at the most inopportune times during a high-stakes interview or in the middle of a steamy date, for example.

Men who are affected by itching on a regular basis may feel frustrated and embarrassed, but in most cases, the cause is simple and easily addressed. Following the right steps to maintain penis skin health can help to relieve the discomfort and irritation.

What causes an itchy penis?

Penis itching can be caused by multiple issues, from dry skin to a coating of sweat and body oils to allergies or infections. Some common causes of itching include hygiene-related issues, overly dry skin related to aggressive masturbation, reactions to a lube or a partner s body fluids, sensitivity to the chemicals in lotions or soaps, or penis allergies to fabrics, environmental materials or latex.

Soothing the itch do s and don ts

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When the urge to scratch comes around, there are wrong ways and right ways to deal with it. Following these rules can help to soothe the irritation and prevent further problems from developing.

DON T scratch. While the need to rub and tear at the offending area may be overwhelming, scratching provides only moments of relief, and it can make the problem much worse. Scratching damages the skin, leaving room for infections to take hold, and if contact with an irritant is the problem, scratching tends to spread the material around and increase the itch rather than relieve it.

DO identify the source If sensitivity or a penis allergy to something in the environment is causing the problem, it is important to identify it and avoid contact whenever possible. Some potential culprits include synthetic fabrics, rough clothing, plants such as poison ivy or poison oak, and latex condoms. Latex allergies, in particular, are problematic for many men, even those who have used condoms without incident in the past.

DON T ignore open sores or blisters

If the itching and burning is accompanied by redness, open sores, blisters or other visible blemishes, it is a bad idea to assume that they will go away on their own. Skin lesions and bumps can be symptomatic of an underlying condition that may require medical treatment.

DO see your doctor

Although most men tend to resist the idea of talking to a relative stranger about embarrassing skin problems, doctors have seen and heard it all and are able to view and discuss penis health in a matter-of-fact way. Skin itching and irritation may be caused by an infection or STD that requires medical treatment, so it is essential to get a professional opinion.

DO use a penis health cream as part of the daily care routine

For men who have sensitive skin that is prone to drying, itching and irritation, special attention to penis care can help to alleviate the symptoms when they occur and boost the skin s resistance to future problems.

To start with, keeping the area clean is essential. Washing away built-up dead skin cells, body oils and sweat can help to prevent chafing and irritation, and keeping the area well moisturized leaves skin soft, supple and well-hydrated. Skin that is moisturized is more resistant to irritation and infection. Use of an all-natural penis health cream (most health professionals recommend Man 1 Man Oil) enriched with vitamins, amino acids and minerals, as well as natural emollients such as shea butter, is an effective way to promote soft, healthy skin.

For additional information on most common

penis health issues

, tips on improving penis sensitivity, and what to do to maintain a healthy penis, visit:

. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous online web sites.

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Itchy Penis Coping Strategies Do s and Don ts of Penis Care

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Cars big winner as 34th Annual Annie Awards handed out

Monday, February 12, 2007

Cars drove home the big prize last night, from the 34th Annual Annie Awards. The animation industry’s highest honor, ASIFA-Hollywood’s Annies recognise contributions to animation, writing, directing, storyboarding, voice acting, composing, and much more.

As mentioned, Pixar took home the big prize last night, after facing stiff competition from four other Happy Feet, Monster House, Open Season, and Over the Hedge.

But the biggest winner of the night didn’t get a “Best Animated Feature” nod at all. Flushed Away won five feature animation categories including Animated Effects (Scott Cegielski), Character Animation (Gabe Hordos), Production Design (Pierre-Olivier Vincent), Voice Acting (Sir Ian McKellan as Toad), Writing (Dick Clement, Ian La Frenais, Chris Lloyd, Joe Keenan, and Will Davies).

Over The Hedge won awards for Directing (Tim Johnson and Karey Kirkpatrick), Storyboarding (Gary Graham), and Character Design (Nicolas Marlet).

Of little surprise, Randy Newman won an Annie for Cars in the “Music in an Animated Feature Production” category. Newman has won many Oscars for his movie music, and has a nomination this year for the song “Our Town”. Newman didn’t attend the Annies, instead picking up a Grammy for “Best Song Written For Motion Picture, Television Or Other Visual Media”.

DisneyToon Studios’ Bambi II won “Best Home Entertainment Production”, while “Best Animated Short Subject” went to Blue Sky Studios’ No Time For Nuts, which is based on Ice Age.

“Best Animated Video Game” went to Flushed Away The Game, while a United Airlines ad named “Dragon” won a “Best Animated Television Commercial” Annie for DUCK Studios.

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Guard rail kills ten in Malaysian bus crash

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Guard rail kills ten in Malaysian bus crash
Author: Admin

28 Apr

Saturday, December 26, 2009

A metal guard rail slicing into a bus killed ten people today in an overnight crash in Ipoh, Malaysia. Three more were injured with one hospitalised when the double-decker Sani Express struck the rail at 1 a.m. this morning with 48 passengers on board.

The vehicle was en route to the northern destination of Perlis from the central state of Selangor when it crashed in Perak on the North-South Expressway, which runs the length of the country. The victims were on the lower deck when the vehicle skidded, struck and was ripped open on the left-hand side by the rail before swerving across the road to rest against the central divider. Of the ten killed, the youngest was fourteen and the oldest 64. The victim hospitalised has four broken ribs.

The bus driver had prior traffic offense convictions, although the bus had not been in any incidents with the police. Police arrested him, noting he was not drunk or on drugs, and he has been remanded in custody until Wednesday. He admits that he fell asleep just before the crash.

Press photographs showed the left side of the bus had been torn open along the bottom of the lower deck for most of its length, and bodies covered with newspaper lying in front of the vehicle.

Perak saw another major bus crash two years ago on the same highway. 22 people were killed in that crash, which remains the nation’s worst bus accident.

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Open source game developer Perttu Ahola talks about Minetest with Wikinews

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Open source game developer Perttu Ahola talks about Minetest with Wikinews
Author: Admin

26 Apr

Tuesday, June 30, 2020

Recently, Finnish open-source video game developer Perttu Ahola discussed Minetest, his “longest ever project”, with Wikinews.

Started in October 2010, Minetest was an attempt by Ahola to create a sandbox game similar to Minecraft. Minecraft is a multi-platform commercial game, which was in alpha version when Ahola challenged himself to create something similar to it from scratch, he told Wikinews.

Minetest is an open-source game, which is free for anyone to download and play. It is written in the C++ programming language, and the source code is available on code-hosting site GitHub. According to Ahola, Minetest attempts to run on older hardware, with limited graphics, but to be accessible to more people: those who have outdated technology, and making it available for no cost. Minecraft, on the other hand, is a paid game, currently costing USD 26.95 for its computer version. Minecraft is currently owned by Microsoft, and performs poorly on older hardware.

A correspondent from French Wikinews contacted Perttu Ahola via Internet Relay Chat a few weeks ago, discussing Minecraft. This interview is built on top of the previous interview, as we take a deeper dive into knowing more about this free game which is about to turn ten years old in a few months.

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Facial Slimming



Ingrid Tall

How long does Facial Slimming take to work?

It works differently compared to Botulinum therapy in other cosmetic treatments because it does not simply cause a relaxation of the muscle, which is commonly seen in two weeks, but rather an atrophy or thinning of the muscle mass which tends to take considerably longer. Some people notice an improvement within two weeks due to the relaxation of the masseter muscle however this is not in fact very common. It usually takes six weeks to two months before the weakness or atrophy of the masseter muscle sets in which means the cosmetic affect can take that long before the slimming of the face begins to occur. This is a cosmetic procedure that takes patience, similar to collagen stimulation of the skin.

What is involved with the procedure?

The treatment with Botulinum therapy is relatively pain free and only takes a few minutes to complete once the procedure has been explained. Numbing cream is very rarely used because it is a very comfortable procedure. Sometimes a vibrating instrument can minimize any discomfort associated with the treatment, and also ice can be used as well.

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What are the risks?

As with any treatment with Botulinum therapy, there is a potential risk of asymmetry and drooping, however this is uncommon. There is also a risk of narrowing of the smile however this is relatively uncommon in the treatment of Facial Slimming or jaw-line reduction. Of course bruising is a possibility with any needle within the skin and can occur within approximately 25% of cases in this area however it is easily managed, and is usually small and subsides relatively quickly.

How much will it cost approximately?

The amount of Botulinum toxin is much higher than is commonly used in the treatment of the frown or crow s feet because the muscle mass is considerably larger and it also works differently because instead of merely relaxing the muscles, it is necessary to cause a weakness or atrophy within the muscle. Therefore doses are much higher than commonly used in cosmetic treatments, especially with commencement of the treatment. Often doses of 60 up to even 100 units of the Botox trademark brand of Botulinum therapy (other brands include Dysport or Xeomin) are used initially to create atrophy of the masseter muscle. This dosage can often be reduced at a later date to continue the cosmetic effect of facial slimming and to maintain the result. Often the longer you use Botulinum therapy, the longer it tends to last. Interestingly Caucasians or Australians tend to need less Botox to create a facial slimming effect compared to people of Asian extraction do due to their thinner muscle mass.

Often the cost of the Botulinum therapy for Facial Slimming commences around $800 to $1000, however those on a budget can sometimes start in the $600 bracket however their cosmetic effect will take longer to kick in and they will need a top up sooner. The higher the dose of Botulinum therapy, the longer it tends to last and the stronger the effect.

How long does Facial Slimming last?

The more Botulinum therapy you have, the longer it lasts. The sooner you repeat it, the more dramatic the results. Having said this, most people are on a budget and commonly repeat the first dose 4 months after the initial procedure. After this, it is commonly repeated twice a year or so on average. The longer you use it, the longer the facial slimming procedure tends to last. Each person is individual and there is a bell curve of sensitivity to Botox, in other words, some people need a smaller dose than others do.

What are the after-care instructions for Facial Slimming?

After care instructions are negligible. You can lie down after the treatment with Botulinum therapy in this area and indeed you can resume exercise within a few hours of treatment if required. Alcohol can be consumed soon after this procedure and may slightly increase the risk of bruising however this is a negligible concern with Facial Slimming. Chewing gum for an hour afterwards is recommended as utilizing the muscles where the Botox is injected into maximizes the absorption of the Botox into the correct musculature. Some people express concern that the dose of Botulinum toxin in Botox jaw reduction is quite high in this procedure of facial slimming however this dose is still much lower than that used in children with cerebral palsy. Indeed much higher units than 60 units of Botox are often used by a well known plastic surgeon in Singapore who commonly uses 40 units every month for three or four months to increase the rate of onset of Facial Slimming.

Dr Ingrid Tall (mbbs,dip comn, fracgp) Director Cosmetic Image Clinics and Aquarius Health SpaLevel 2 70 Mary StBrisbaneQ 4000PH: 07 3003 4000Fax: 07 3003 4040Mob: 61 (0) 418721784Skype

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Banned film ‘The Profit’ appears on Web

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Banned film ‘The Profit’ appears on Web
Author: Admin

23 Apr

Sunday, March 23, 2008

Copies of The Profit, a 2001 film blocked from distribution in the United States due to a court injunction won by the Church of Scientology, appeared on the Internet Friday on peer-to-peer file-sharing websites and on the video sharing site YouTube.

Directed by former film executive Peter N. Alexander, the movie has been characterized by critics as a parody of Scientology and of its founder L. Ron Hubbard. Alexander was a Scientologist for twenty years, and left the organization in 1997. The film was funded by Bob Minton, a former critic of Scientology who later signed an agreement with the Church of Scientology and has attempted to stop distribution of the film. Alexander has stated that the movie is based on his research into cults, and when asked by the St. Petersburg Times about parallels to Scientology and L. Ron Hubbard said: “I’ll let you draw that conclusion … I say it’s entirely fictional.”

The film was released in August 2001, and was shown at a movie theatre in Clearwater, Florida and at a premiere at the Cannes Film Festival in France. A Scientology spokesman gave a statement at the time saying “the movie is fiction and has nothing to do with Scientology”. The Church of Scientology later took legal action in an attempt to stop further distribution of the film. The Church of Scientology claimed that the film was intended to influence the jury pool in the wrongful death case of Scientologist Lisa McPherson, who died under Scientology care in Clearwater, Florida.

In April 2002, a Pinellas County, Florida judge issued a court order enjoining The Profit from worldwide distribution for an indefinite period. According to the original court injunction received by Wikinews, the movie was originally banned because the court found that it could be seen as a parody of Scientology. In his April 20, 2002 ruling on the injunction, Judge Robert E. Beach of the Sixth Judicial Circuit Court in Pinellas County, Florida wrote: “…an average person viewing the film entitled The Profit could perceive that it is a parody of the Church of Scientology”.

“To the extent that any person considered as a potential juror in evaluating any issues involving the Church of Scientology, the process of voir dire provides a fair and complete remedy to eliminate any potential juror that may possibly have been influenced to be less than fair and impartial,” added Beach.

Luke Lirot, the attorney for the film’s production company, announced on the film’s website on April 7, 2007 that “We have absolutely no exposure for any repercussions from the court order,” but that the film was still blocked from distribution due to an ongoing legal battle. Lirot wrote: “all that’s stopping the release of the movie is the legal battle with the partner who was compromised by Scientology (Robert Minton) and is currently using his power as partner to stop the release of the film.”

In an October 2007 article, The Times described the film as “banned in the US because of a lawsuit taken out against it by The Church of Scientology,” and Russ Kick’s The Disinformation Book of Lists included the film in his “List of 16 Movies Banned in the U.S.”. An 8-minute teaser segment from The Profit appeared on the film’s website and on the video sharing site YouTube in February 2008, and an attorney representing Bob Minton sent a letter to Luke Lirot requesting that the film clip be taken down. In a response letter, Lirot wrote that “Rather than damage any asset of the LLC, the short clip merely keeps the film in the public eye, and in a positive way.”

On Friday, copies of the film began to circulate on peer-to-peer file-sharing websites and on YouTube. A link related to the film’s appearance on the Internet on the community-based link aggregator website had 3,638 “Diggs” – and hit the front page of the site’s Entertainment section on Saturday.

I had nothing to do with this release at all. But I’m happy it’s out there.

On Saturday, Scientology critic and Emmy award-winning journalist Mark Bunker put a streaming version of the film on his website,, and encouraged others to watch and discuss the film on a real-time chat channel. In a video posting to YouTube Saturday, Bunker said “I did not do it. I had nothing to do with it … I had nothing to do with this release at all. But I’m happy it’s out there … people are finally having a chance to see it. A lot of people have been curious over the years and there’s been a lot of interest in seeing the film, so finally you can.”

We have all wanted to see this movie that scientology kept hidden away from us. We have all wondered just how damning could this story be that we were banned from watching it.

On the newsgroup alt.religion.scientology, a poster by the username “Alexia Death” commented on the film’s appearance on the Internet in the context of censorship: “It is out! And so it is a WIN if many people review it even if they say it SUCKS! … Being bad is no cause to allow censorship … And being censored is no cause to assume its good”. A post to the blog Blogsreel commented: “We have all wanted to see this movie that scientology kept hidden away from us. We have all wondered just how damning could this story be that we were banned from watching it.”

In a post on Sunday to the message board attached to the official website for the film, attorney Luke Lirot asked that individuals stop distributing copies of The Profit over the Internet. Lirot wrote: “It has been brought to my attention that several unauthorized transmissions and downloads of this protected work have taken place over the last 72 hours. Such actions are copyright violations and are unlawful. I request that any further distribution and/or dissemination of this important work cease immediately and any copies of the work that have been downloaded please be deleted.” In his statement, Lirot recognized the rights of individuals under the First Amendment to the United States Constitution, but also said that unauthorized distribution of the film “will only serve to harm the goal of vast distribution”.

Blog postings have attributed the film’s appearance on the Internet as part of the anti-Scientology movement Project Chanology organized by the Internet-based group Anonymous, but this has not been confirmed. Wikinews previously reported on international protests against Scientology which took place as part of Project Chanology on February 10 and March 15. A third international protest by Anonymous is scheduled for April 12. Titled “Operation Reconnect”, the third international protest will focus on highlighting Scientology’s practice of disconnection.

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US automaker bailout deal fails to pass Senate

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US automaker bailout deal fails to pass Senate
Author: Admin

22 Apr

Friday, December 12, 2008

A US$14 billion bailout package deal for the “Big Three” United States automakers — Chrysler, Ford, and General Motors — has been rejected in the United States Senate after failing a procedural vote.

The bill was rejected after bipartisan discussions on the bailout broke down when Republican Party leaders insisted that the United Auto Workers (UAW) union agree to increase wage cuts by next year in order to bring their pay into line with those of Japanese automobile companies in the United States. The UAW refused to meet the demands.

The final vote count in the Senate was 52-35, eight short of the 60 needed to pass. Only ten Republicans joined forty Democrats and two independents in voting for the bill. Three Democrats voted with thirty-one Republicans against it.

Senate Majority leader Harry Reid said that he was “terribly disappointed” by the failure of the bill to pass. “I dread looking at Wall Street tomorrow. It’s not going to be a pleasant sight,” Reid said. “Millions of Americans, not only the auto workers but people who sell cars, car dealerships, people who work on cars are going to be directly impacted and affected.”

Did the Senate do the right thing in rejecting the bailout plan?
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Republican Senator Bob Corker was also unhappy about the rejection. “We were about three words away from a deal. We solved everything substantively and about three words keep us from reaching a conclusion,” he said.

Some Democrats now want U.S. President Bush to reserve a portion of the $700 billion bailout package earmarked for Wall Street to assist the flagging car industry.

Stock markets worldwide fell dramatically on the news, with Japan’s Nikkei average losing 484.68 points, or 5.6 percent, reaching a level of 8253.87 points. Shares in the auto companies Toyota, Nissan and Honda all dropped by no less than 10 percent apiece. European stocks, such as those in the United Kingdom and Germany, also lost ground, with the FTSE-100 index of leading shares falling 176.3 points to a level of 4,211 at midday.

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