In the present time due to the advancement in medical treatment, quality of health care has greatly improved, but it has also resulted in increase in the cost of medical care. Like other things the rate of insurance policies are also increased.Group health insurance combines pool of people who are healthy and adds few who require costly medical aid. Thus pool of large number accounts for balancing the expenditure of few people, who really need them. This fact makes group insurance viable and beneficial for both employees and employers. Health insurance through employer also provides large tax benefits to both employer and employees. The type of health insurance plan that you choose depends on your age and the time period for which plan to take the policy. There are two types of health insurance; managed health care insurance and reimbursement or indemnity health insurance. Managed health insurance plan means full or complete health insurance. In this type of plan all types of diseases are covered the treatment cost irrespective of the doctor or hospital treating for your problem. The money involved in the treatment is deducted on the health policy. Reimbursement or indemnity health insurance policy allows you to select doctors and hospitals as per your wish and after that pays for your expenses completely too some extent or up to a specific total per day for a specific number of days. No matter what type of health insurance you obtain, you will want to make sure it offers the proper kinds of insurance coverage. An exceptional family health care insurance policy plan contains a lot of coverage. The best possible health policy plan for you and your family is the policy plan that provides you the most flexibility in addition to the most coverage for the least expensive cost.It is very necessary to have a health insurance. It is imperative to save oneself from expensive health treatment; one takes health insurance policy for himself and his family. It is better to take the health insurance policy at a young age. This is because the older you become the health insurance plans become costlier, as health falls with age. The health insurance policy saves you a lot of money.

Tuesday, December 22, 2009

The US Senate has voted by 60 to 40 votes to close debate on landmark health care reform legislation backed by President Barack Obama but unanimously opposed by Republican lawmakers. Now, the divided chamber appears to be heading towards a vote to pass the bill on Thursday.

All 100 senators were gathered in the Capitol building for a key procedural vote on health care reform legislation. All 58 Democrats in the Senate, plus the two independents who normally vote with them, voted for cloture, which limits the length of debate. All forty Republicans unanimously opposed the cloture.

The bill would extend health insurance coverage to 30 million US residents who currently lack it, and forbid insurance companies from practices such as denying coverage due to pre-existing conditions. Most residents would be required to purchase health insurance for the first time, with subsidies provided to those who cannot afford it.

“We’ll get this [bill] passed before Christmas and it will be one of the best Christmas presents this Congress has ever given the American people,” said Democratic senator Tom Harkin.

“This country, the greatest and richest the world has ever seen, is the only advanced nation on earth where dying for a lack of health insurance is even possible,” said Senate Majority leader Harry Reid.

Most Republicans, however, said they believed the bill is too expensive and would not correct the current problems with the US’s health care.

If the bill passes in the Senate, that version will have to be merged with a more liberal version passed by the House of Representatives which includes a government-run alternative, not included in the Senate version.

Retrieved from “https://en.wikinews.org/w/index.php?title=US_Senate_advances_health_care_reform_bill&oldid=3291965”

Friday, November 6, 2009

A 1965 Volkswagen minibus that was stolen in 1974 has been recovered by customs agents in Los Angeles. The vintage minibus was in pristine condition, valued at $25,000, and was found during a routine inspection of a shipping container scheduled for departure to The Netherlands. A routine computer database search on its vehicle identification number flagged it as having been stolen from a vehicle upholstery shop in Spokane, Washington on July 12, 1974. A custom restoration business in Arizona was attempting to deliver it to overseas clients last month when authorities intercepted the vehicle.

“Pretty amazing, isn’t it?”

The theft appeared on the National Insurance Crime Bureau database, which is used by border authorities and contains all stolen vehicle records. Most police databases remove unsolved vehicle thefts after five years.

The California Highway Patrol does not suspect the restorer of wrongdoing, according to investigating officer Mike Maleta. Possession of the vehicle apparently changed several times. Police in Spokane have not yet located the rightful owner, whose identity has not been released to the press. Maleta hopes that a trail of registration documents and interviews will uncover the thief.

“[The restoration firm owner is] a victim himself. He was an innocent purchaser…”

The Allstate insurance company paid $2500 shortly after the theft occurred and wants to take possession of the vintage minibus. Allstate spokeswoman Megan Brunet expects that after the necessary paperwork is processed the firm will sell it at auction.

Retrieved from “https://en.wikinews.org/w/index.php?title=Stolen_minibus_recovered_35_years_after_theft&oldid=911624”

By Craig Elliott-

Disasters can strike anytime, anywhere. Recovering from disasters can be a major task, especially if not handled properly. Chaos and confusion generally rule the day. The need for organization is critical and everyone wants to return to some semblance of “normal” life. It doesn’t matter whether it is a small, local disaster or a major, national scale event. The goal is the same; get back to some form of normalcy as quickly as possible.

Disasters do not need to be major in scale to disrupt daily life. A fire is a disaster that may affect only one family. A tornado may impact one town. These are still disasters by definition and a period of recovery must take place. Usually, the recovery effort for small-scale disasters is local in nature. Volunteer organizations such as Red Cross and the Salvation Army will often help with local disaster recovery efforts. Religious and other community-based groups will usually step in and also help with these efforts. Much of the recovery work falls on the shoulders of the victims and their immediate friends and families. The individual insurances are often the sole financial help.

Larger disasters, on the state and regional levels, usually involve several agencies that assist with the recovery efforts. Local, state, and many times, federal, agencies all have a hand in the clean up and recovery. Resources may be made available to assist individuals and businesses with their recovery. Federal money can be requested in larger disasters. Shelters and alternative housing are often set up to help those displaced from their homes.

[youtube]http://www.youtube.com/watch?v=oOpPplYGkz0[/youtube]

Local and state agencies have plans in place to minimize damage and loss of services from a disaster, no matter what scale. Part of that plan includes beginning disaster recovery efforts as soon as possible. Delays in recovery work can lead to additional destruction. After Hurricanes Katrina and Rita hit the Gulf States, the recovery effort was started as quickly as possible. However, due to the immense scale of the disaster, many areas could not be reached immediately and many homes and businesses had to be torn down due to the growth of dangerous molds and bacteria. The sooner recovery work can begin the better chance that homes and businesses can be saved.

Individuals involved in a disaster, whether local or large-scale, must rely on their insurance to cover the major costs of repair or rebuilding. The Federal Emergency Management Agency (FEMA) and the federal government are not insurance programs for individuals. In larger emergencies they may help out by bringing the Small Business Administration’s (SBA) loan programs into play. This allows individuals to secure low or no-interest loans to help with repairs.

Small businesses are often treated as individuals in disaster recovery. The SBA offers loans to help rebuild the business and get operations moving again. Other loans and grants may be available, depending on the scale of the disaster and programs involved. The individual state may offer low and no interest loans and grants as well. The goal of these programs is to get businesses back up and running as quickly as possible to serve the communities and help workers get back to their wage earning positions. This helps individuals in their recovery efforts as well.

Governmental agencies and services will receive the bulk of federal monies. They are tasked with serving the community throughout and after the disaster. They are often without necessary equipment or supplies and this must be taken care of quickly to ensure continued operations. Federal money may also be channeled through local governments in the form of grants and federal assistance programs. This money may directly, and indirectly, benefit the individual citizen.

There are many companies that specialize in disaster recovery plans for businesses either consulting or the actual disaster recovery work. They help companies develop plans for safeguarding important data and information during a disaster. They also work with companies after a disaster to recover and get back on their feet. Any disaster can cause the loss of valuable information, hardware and software for a business. This must be recovered in order to continue operations as before. Sometimes it can be saved and reused; often it must be repaired or replaced.

The main goal of disaster recovery is to get individuals and businesses back on their feet and back to normal as quickly as possible. The transition will never be smooth, but it should be well planned and organized. Many outside organizations may be available to help out, although it is important for the individual citizen or business to have a plan in place for recovering from a disaster. This should include adequate insurance to cover losses and a plan for operations during the recovery effort. Recovery of important data for a business may require assistance from an outside company that specializes in disaster recovery. The most important aspect of disaster recovery is having a plan in place before disaster strikes.

About the Author: Craig Elliott is a freelance writer who writes about topics concerning planning, safety preparedness and demonstrations for emergency response such as

efilmgroup.com/Safety

Training Videos | Terrorism Response Videos

Source:

isnare.com

Permanent Link:

isnare.com/?aid=209068&ca=World+Affairs

Thursday, September 18, 2008

Canadian Federal Elections 2008

Day
Stories from the 2008 Canadian Federal Elections
  • 13 October 2008: CanadaVOTES: Libertarian John Kittridge in St. Paul’s
  • 13 October 2008: Canadian scientists protest Harper’s attacks on science
  • 10 October 2008: CanadaVOTES: NDP candidate Paul Arbour in Carleton—Mississippi Mills
  • 10 October 2008: CanadaVOTES: NDP candidate Jo-Anne Boulding in Parry Sound—Muskoka
  • 10 October 2008: CanadaVOTES: NDP candidate David Sparrow in Don Valley West
National Parties

In the lead-up to the 2008 Canadian federal elections much speculation was made about environmental issues and initiative, with various parties maneuvering to claim some portion of the green mantle. But it was the Liberal party which first brought a full-blown policy to the public.

In the months since the Green Shift initiative was brought forth, the political pundits and activists have both talked about this year as the first election where the environment would be a major issue on the minds of voters, and possibly a decisive one for the electorate.

It’s indeed true the environment ranks very high in minds of voters across the country, particularly among young voters. One national survey of Canadians between 18 and 25 finds the environment is the top issue. A poll of all voters found it to be the third most important single issue over all, behind the economy and health care, but the poll suggested that no one issue has really caught the attention of the electorate with many issues gaining similar attention.

The parties themselves seem indecisive, trying to claim a focus on environmental issues but rarely making specific proposals or promises, with the notable exception of the Liberals whose platform has been targeted by opponents and commentators as “wildly experimental” and “doesn’t go deep enough” by turns.

Examining the platforms of the New Democratic Party regarding air pollution and global warming as available on their website, one is struck by a lack of substance. Reference is made to C-377, the Climate Change Accountability Act, which the NDP calls “Layton’s Kyoto-Plus Bill”, which was passed in 2006. The party believes Canada can achieve its Kyoto requirements by 2012, though no mention is made of how a Layton government would do so.

In June of 2008 the Liberals tabled a plan, the Green Shift, which they claim would reduce Canada’s greenhouse gas emissions 20% under 1990 emissions – well below the 6% required by Canadian law when Canada ratified the Kyoto Accord – by 2020, which is rather after the 2008-2012 phase-in period required by that same law. The method of performing this reduction would be to shift the Canadian tax system, reducing income and revenue taxes by replacing them with taxes on greenhouse gas emissions. The plan generated considerable discussion and opposition, and the party has back-pedaled in some portions and added on in others, as well as announcing a couple of separate initiatives to soften the effects for farmers, homeowners, and fishermen among others.

A more diverse approach than solely a “Carbon Tax” is proposed in the Green Party’s platform, which presents an almost holistic approach of adherence to the Kyoto obligations, “Cap and trade” of carbon emissions, industry development with both green technology R&D and regulation as well as consumer subsidies, and their own version of a carbon tax. Alone of the parties they specifically mention the role of international diplomacy/trade as a part of their approach.

Such an approach appears to be anathema to the Conservatives, whose mantra since their election has been that Kyoto cannot be complied with without forcing an economic recession on the country, and used the Throne Speech of 2007 to reiterate that position. They have opposed cap-and-trade schemes in the past, but their platform for this election states their plan to reduce greenhouse gas emissions includes emissions caps for “four air pollutants commonly associated with smog and acid rain,” as well as “tough emission reduction targets”.

In contrast to the laundry-list of unconnected initiatives on the Conservative’s website, the clean platform pamphlet created by the Bloc Québécois makes a simple and apparently heartfelt statement on the environment:

La lutte aux changements climatiques est devenue un enjeu fondamental pour l’humanité et le Québec est déterminé à apporter sa contribution, à sa façon. À Ottawa, c’est le Bloc Québécois qui mène la lutte en faveur de l’application du protocole de Kyoto dans le respect des choix du Québec.
Tackling climate change has become a fundamental issue for all of humanity and Québec is determined to make its contribution, in its own way. In Ottawa, the Bloc Québécois, respecting Québec’s choices, is leading the fight to enforce the Kyoto Protocol.

Just how they plan to enforce the Kyoto obligations is not stated, though they do discuss a carbon market, and tax incentives for home heating upgrade and transportation.

There seems to be a wide if somewhat shallow interest in the electorate as to just what each party is offering on the environmental file. But with sketchy platforms regarding environmental issues, it’s no wonder some of the parties have turned to the subject of economics in recent days.

HAVE YOUR SAY
What is your feelings on how the Canadian parties are addressing the issue of global warming?
Add or view comments
Retrieved from “https://en.wikinews.org/w/index.php?title=Clearing_the_air:_Positions_of_Canadian_parties_vis-à-vis_the_environment&oldid=4498118”

Thursday, February 18, 2010

A small plane crashed into a building, which was one of the Echelon office complex, in north Austin, Texas this morning at 09:56 local time (1456 UTC).

Federal officials say the plane owner was Joseph Andrew Stack III; presumed to be the pilot who set his house on fire on the 1800 block of Dapplegrey Lane in north Austin an hour earlier. He then drove to Georgetown Municipal Airport, approximately 20 miles away, took off and then crashed his private plane into the Echelon complex.

The Federal Aviation Authority indicated the light aircraft was a Piper Cherokee PA-28, as did news reports and eye witnesses. The FAA said the plane had no flight plan and was under Visual Flight Rules.

Mr. Stack committed suicide, and a suicide note has been located. Mr. Stack’s suicide note mentions anti-government and anti-corporate ideals, as well as problems with the Internal Revenue Service and that he lost money in the Enron scandal. Although the incident was intentional, a Department of Homeland Security official said that terrorism is not suspected. The online host of the note, T35 Hosting, later removed it in its entirety after the FBI requested its censorship. However, Wikinews has preserved the full text of the letter.

Austin Fire Department reported around 1100 local time (1600 UTC) that two people were transported to local hospitals and one was unaccounted for. One man was admitted at a local hospital under serious condition for smoke inhalation. The other man suffered from second-degree burns on 25% of his back and has been transported by helicopter to Brooke Medical Center in San Antonio and is said to be in stable condition.

The seven-story Echelon Building One is located on 9430 Research Boulevard and contains Internal Revenue Service offices. The Echelon building complex houses a number of federal offices, including Central Intelligence Agency and Federal Bureau of Investigation. Research Boulevard is the service road of U.S. Route 183. The incident has caused severe backups on both Research Boulevard and Route 183.

A witness told The Austin Statesman that he saw the plane flying lower than usual, then it made a sharp turn and hit the building.

An Austin County EMS official, James Shamard, said that smoke is visible from at least a mile from the crash site. Another official for the Austin Fire Department said that two persons who were working in the building are still unaccounted for.

MSNBC reports that there was some form of domestic dispute between Mr. Stack and his wife before the incident. He then reportedly used gasoline to light his house on fire. When the fire department arrived, they rescued his wife and teenage daughter.

According to Jerry Cullen, a pilot and former flight instructor who witnessed the crash, the plane was traveling at high speed at time of impact.

Retrieved from “https://en.wikinews.org/w/index.php?title=Plane_crashes_into_office_block_in_Austin,_Texas&oldid=4460821”

By Dodie Cross

I was introduced to a real stress-reliever while in Thailand; a most amazing practice, and one that all new expats come to love. It was the wonderful Thai massage. It is usually performed by strong young girls, however I did notice a few males in the trade. One hour of this relaxing massage and most women would be able to negotiate with a terrorist. What a warm and muscle-stimulating practice it is for most people. I have a problem with pain. I admit it. I have no tolerance for pain and don’t try to hide it.

After a few trips to the massage parlors around town, I’d earned a reputation as Madame Ow-Ow. The tiny massage girls all seemed to be amazed that I could be so sensitive. As soon as I appeared in the waiting room, I’d hear the giggles start. Fine, giggle all you want just don’t hurt my body. Like it or not, they had to use a little less muscle with me. One of the little power-houses literally left her fingerprints on my arms and legs in the form of purple circles. I warned her about my condition before she started on me; in fact, I showed her some old bruises that the last girl had left on my rump. She obviously had no clue why I was pointing to four round dots on my butt, but as was the norm in this land of smiles, she giggled and began leaving her own marks. Giggling I later learned, can also be the Thai way of hiding embarrassment. Bruises or no, I kept going back possibly because it felt so good when they stopped. Okay, I admit it, I’m a masochist.

Seeing all the massage parlors in town brought back memories of an earlier visit to Thailand. I had to laugh as I remembered being introduced to the words: “Physical Massage.” It was in the 70s and we were expats living in Iran. My husband, feeling we had earned this treat just by living in that hotbed, had surprised us with a week of R&R at Pattaya Beach. On our first day there we decided to let the kids enjoy the pool while we read and soaked up the sun. We were half asleep when my youngest son, about ten years old at the time, came running up to us. “Dad! Can I have ten bucks?”

“Whaa for?” my half-asleep husband asked.

“That lady over there said to bring ten bucks and she’d give me a good massage.”

At these not so soft-spoken words, we both sat up as well as most of the people around the pool and looked in the direction my son pointed. And there she was, a beautiful Thai girl who looked to be no more than sixteen, standing in her shimmering red gown, leaning seductively against the massage parlor door, smiling the sweet Thai smile and motioning for my son to come to her.

“Uh, I think not, son,” I said.

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

“But, why?” he whined in his usual “you love her more than me” voice while pointing to his sister. “You give her money all the time. Can’t I just have ten bucks?”

Honey,” I whispered, “she’s not a nice lady. She’ll take your money and God knows what she’ll do to you. Besides, massages are for grown-ups. Wait until you’re older, then you can pay for it.”

“Paaaleeez,” he cried plaintively.

By now the male population around the pool was sitting upright, awaiting our decision.

“No! And that’s final,” said my husband in a not-so-final voice. This was not the answer my son wanted to hear. He was the kind of kid who never would accept the word “No” and could argue you to the ground until you cried “Uncle!”

“She said it was good for me,” he yelled in his outdoor voice. “How could she hurt me, Mom? Dad could go along with me to make sure I got my ten bucks’ worth.”

“No.” I said, this time in my outdoor voice. “No more talk of massages.” I turned to my husband for reinforcement, but he was busy putting a bookmark in his novel. “Go back to sleep,” I said, “you’re not going anywhere either.”

One of the best massages I found was in an old run-down home outside of town. The Hilton Hotel Spa it was not, but you soon overlooked the lack of fluff for the wonderful treatment you received. The house was over 100 years old, with cracked windows, torn curtains, sagging sills, patches of linoleum missing here and there, and a musty smell that permeated the whole environment. The interior walls in the center of the house had been removed and the space had been converted to a large dormitory-type room, with mats laid out side-by-side on the floor. Much to my discomfort, air conditioning (or air-con as the Thais say) was sadly absent in this old house. The AC phenomenon was introduced to Thailand with the advent of the farangs invading their land. The Thais don’t seem to feel the heat as the farangs do. When the temperature drops to eighty-five degrees, it might move them to put on a sweater.

Now, I could handle everything else in this place, but when the weather was at its worst, the massage room became one huge sauna and bordered on feral. I tried to get there early before it became too warm. Warm, as in 100 degrees F. The place lacked the niceties of Muzak and ambiance, but it was home to some wonderful girls.

The Blind Student Massage School, appropriately named, was home to young girls who were clinically blind, but who gave wonderful massages. The girls were mainly from poor villages where their parents were unable to get help for them. They were brought to Bangkok by Good Samaritans and schooled in the art of Thai massage. Once trained, they were sent to Pattaya and other towns to live with their benefactors, working to earn their keep. The Thai couple who owned this establishment gave the girls a home to live in, in exchange for their massage work and a small salary. They did very well on their tips and always thanked us profusely. We did wonder how they knew how much we tipped.

The routine went something like this: After check-in, you were given a towel and a pair of cotton PJs designed to fit a ten-year-old then escorted to individual vapor steam rooms the size of a small shower, with a bench seat for snoozing. After disrobing, you’d be saturated in wonderful mystical aromas of incense, eucalyptus steam and various other herbal delights. It took me five minutes of this heaven before I would doze off and dream I was Eve, lolling about the Garden in my birthday suit. When you’d yell “Uncle” they’d scoop you out of the shower, help you on with your PJs, and lead you to the massage room and the assigned mat on the floor. What joy! You were clean, warm, snugly, and then the fun began.

The girls would first try to identify you a game they all played with giggles and excitement. They’d begin by running their sensitive little fingers over your face and downward. By the time they reached your legs they could identify you. Of course, with me, as soon as I uttered “Ow-Ow” I was caught, and had to listen to a chorus of giggles wafting through the room. I still think it was unfair; when they couldn’t immediately identify me, they’d give a pinch to hear my Ow-Ow.

After one hour of this heaven you were escorted to the co-ed shower room where you’d find the usual male opportunists showering, changing clothes, urinating, or sitting and watching you do the same. At first it was difficult, but over time I would envision myself as Raquel Welsh loin cloth and all and didn’t feel quite as modest.

At this same establishment they offered haircuts, facials, manicures and pedicures I asked for the sighted girls for these jobs ‘all for less than ten dollars. If you came in for a wash, you were put on what looked like a hospital gurney and rolled to the shampoo bowl. The first time I experienced this I was a tad apprehensive. Okay, where s the operating room? But it turned out to be another treat for the pampered farang. They had a very inventive way of preparing you for the shampoo by slipping one end of a rubber tray under your neck, while the other end drained into the shampoo bowl. Why don’t we have this technique stateside? What a simple concept: the water doesn’t drain down your neck, leaving a soggy blouse; no wet towels to deal with, and no concrete slab for your arthritic neck to balance on. You’re in a lying position and soon you’re fast asleep.

Along with these wonderful shampoos would come a head massage, neck and scalp massage, and anything else you wanted massaged. The shampoo was something all the expat ladies looked forward to; three washes, three rinses, and a twenty-minute head and neck massage.

Other pleasures to the senses were the trips that many of the ladies took to Bangkok for beauty treatments. The salon offered massages, hair and nail services, and pedicures. It was heaven to spend the day being pampered. If you were in a hurry it was the best place to go. To gain entrance you had to ring a buzzer, wherein the manager would greet you at the door and ask you three questions: (1) Are you in a hurry? (2) What services do you want? And (3) Whom would you like to have work on you? If the answer to number one was in the affirmative, the manager would assign as many girls to you as you had appendages; one girl for each hand for manicures, one girl for each foot for pedicures, one girl for cutting, curling and blow drying your hair. Watching all these girls working on me, I felt I was being prepared for a Thai barbecue.

It was marvelous if you needed to be in and out quickly, but made it quite difficult to read a book.

(Reprinted with permission from A Broad Abroad in Thailand by Dodie Cross).

About the Author: Dodie Cross is a freelance writer who has received numerous awards for her writing and poetry. Dodie has traveled the world, writing about her life in foreign countries. Learn more at:

A Broad Abroad

.

Source:

isnare.com

Permanent Link:

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Saturday, November 22, 2008

The National Socialist Movement is, according to its website, the largest and most active Nazi party in the United States. Accordingly, it refers to itself as ‘America’s Nazi Party’ and aims to instigate major change in the US.

Wikinews was able to conduct an interview with the head of the party, Commander Jeff Schoep. Fresh back from a march in Missouri, Commander Schoep told Wikinews his views on Barack Obama, the economy and much more.

Read the full exclusive interview below:

Retrieved from “https://en.wikinews.org/w/index.php?title=US_Nazi_leader_talks_about_Barack_Obama,_the_economy_and_more&oldid=3169006”

Wednesday, February 3, 2010

A compilation of brief news reports for Wednesday, February 3, 2010.

The Nigerian man accused of trying to blow up a Detroit-bound jetliner on Christmas day with hidden explosives is cooperating with investigators and providing fresh intelligence after the U.S. enlisted the help of his family, an administration official said. His family persuaded him to cooperate.

Umar Farouk Abdulmutallab has been providing information to Federal Bureau of Investigation agents questioning him, the official told reporters on the condition of anonymity.

The official declined to provide details on what kind of information Abdulmutallab was providing.

Related news

  • “Failed bomb aboard Delta flight” — Wikinews, December 26, 2009

Sources

  • Evan Perez. “Abdulmutallab Resumes Talking to Federal Agents” — The Wall Street Journal, February 2, 2010
  • “Bomb plot accused ‘co-operating'” — UKPA, February 2, 2010

Somajiguda
Somajiguda on the map of India

One person died and 41 were injured, including three nurses who are critically injured, in a major fire at Park Healthcare Hospital in Somajiguda, a suburb of the Indian city Hyderabad, on Tuesday morning.

The fire engulfed a major portion of the five-storey hospital’s first floor, along with some medical equipment and furniture on the other floors.

City police commissioner A K Khan said that a criminal case had been registered against the hospital management. “It is also being determined whether safety standards were followed by the hospital,” he said.

Sources

  • “Major fire at city hospital; one patient dead” — The Hindu, February 2, 2010
  • “Major fire at Hyderabad hospital; one patient dead” — PTI, February 2, 2010

Chinese authorities say they are preparing to launch a crackdown on melamine-laced milk after the scandal over tainted products, which made hundreds of thousands of children ill two years ago and damaged China’s brand reputation overseas, resurfaced.

China has dispatched inspectors to sixteen provinces to urge local governments to thoroughly investigate cases concerning food safety.

The decision comes after milk products tainted with the industrial chemical melamine were removed from sale in Shanghai and the provinces of Shaanxi, Shandong, Liaoning and Hebei, the state-run Xinhua News Agency said.

Related news

  • “Contaminated baby’s milk induces wave of child illness in China” — Wikinews, September 22, 2008

Sources

  • Edward Wong. “China Begins Emergency Check of Dairy Products” — The New York Times, February 2, 2010
  • Cara Anna. “Beijing begins emergency sweep for tainted milk products” — The Boston Globe, February 3, 2010

At least twenty-six people have been killed in Karachi, Pakistan after four days of ethnic killings, according to police officials. The officials said that nine people were killed on Monday in the city’s Orangi western neighbourhood, which has a majority ethnic Pashtun community.

The Sindh government has awarded special powers to the Pakistan Rangers under Section 5 of the Anti-Terrorism Act 1997 and imposed Section 144 in the limits of 26 police stations for a month.

At least forty people were killed as ethnic clashes erupted across the city in early January.Home minister of Sindh province, Dr Zulfiqar Mirza has called upon the Army to restore peace and order.

Sources

  • Salis bin Perwaiz. “Rangers given control of 26 police stations” — The News International, February 3, 2010
  • “Deadly ethnic violence hits Karachi” — Al Jazeera, February 2, 2010
  • Zamir Sheikh and Nisar Mehdi. “Army asked to take over Karachi” — The Nation, February 3, 2010

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_Shorts:_February_3,_2010&oldid=4329096”

By Peter Kenny

There are times when consumers simply need to borrow money. As most people know, there are many different ways to borrow money. Two of the most common ways are through either an installment loan or through a line of credit.

Knowing the difference between the two can be important. One of the best ways to make your choice is to know which type of loan will best suit your needs.

A line of credit offers most consumers a more flexibility type of loan than a installment loan. With a line of credit the borrower can take out funds whenever they are needed. There is no need to take the funds out in one lump sum, which is what happens with an installment loan. A line of credit, once it is approved, does not require the borrower to apply over and over again, unless the total loan amount is withdrawn.

[youtube]http://www.youtube.com/watch?v=y-IrsAxbT7U[/youtube]

Another important difference between the two types of loans is that with an installment loan your payments will be set and they will not vary as the loan term moves through time. With a line of credit, the monthly payment will depend on the amount of the total that has been withdrawn. In other words, the more you take out, the more you pay each month.

A very unique benefit to a line of credit is that it can also be revolving credit. What that means is that when you take a certain amount from the total and then pay that amount back, the total goes back up to where it was. For some consumers, this can be a more affordable way to make purchases than using installment loans.

A line of credit is usually reserved for those who have some high-dollar asset that can be borrowed against. For the most part, this is a home. Consumers should understand that any property that they put up for collateral can be seized by the lender if the terms of the loan are kept.

For a one-time borrowing need, with uncomplicated repayment options, an installment loan is probably the better choice. With an installment loan, you get a lump sum check and the payments are worked out in advance so that you know exactly what you owe each month.

Generally speaking, installment loans are easier to get than line of credit loans. With an installment loan, you may or may not be asked to put collateral. When collateral is used for an installment loan, the same conditions apply, in that if the loan terms are not honored, the collateral can be seized by the lender.

As mentioned above, with an installment loan you receive a lump sum. With the line of credit loan you will normally receive a check book that you can use to withdraw funds. This can be especially helpful for things like home improvement projects where you may have to pay several different people and several different times. It also allows you to keep your loan funds separate from your personal funds if you wish to do so. This makes bookkeeping much easier.

About the Author: Peter Kenny is a writer for The Thrifty Scot, please visit us at

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