How to Remove Collection Accounts From Your Credit Report
February 15, 2012 | 
Author Collection accounts can remain on your credit report for 7 years from the date of the initial missed payment that led to the collection (the original delinquency date).
If you haven’t paid your collection account yet, negotiate with the collection agency. Let them know that you plan to pay them off. You can try to negotiate less than the full amount if you want. The important thing is getting them to agree to remove the item from your credit report. It’s wise to get this agreement in writing before submitting your payment.
If you’ve paid a collection account in full and the item remains on your report. You will want to dispute the item with the credit bureaus by mail. When a collection account is paid in full, it will be marked “paid collection” on the credit report. It is NOT removed from your report and is still considered a negative account. For this reason, you want to have the account removed from your credit report.
Always remember that the burden of proof is on the credit bureaus. You have nothing to prove to them. They have to prove to YOU that the account is yours. Simply dispute by stating something like “Please provide documentation that the following account belongs on my credit report and that my rights have not been violated; otherwise please delete this damaging data immediately.” That’s all you need to say. One line. The credit bureaus then must conduct an investigation; they have 30 days to do so. If the collection agency can’t verify the account (most of the time they can’t), then they must remove the collection account from your credit report.
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Get Extremely Bad Credit Loans Today
Finding extremely bad credit loans with easy approvals can be tough. Traditional lenders will not work with extremely bad credit loans and penalize you for your credit history, but there are private lenders and non traditional loan offers available that provide unsecured no credit check loan programs to people just like you.
Extremely Bad Credit Happens
The credit crisis has increased the numbers of honest hardworking people just like yourself that find themselves faced with the challenges of having extremely bad credit. Bankruptcies, foreclosures, seizures and legal judgements are more common than ever, and many Americans found themselves caught unaware by the turbulent financial markets and economy. Savings have been wiped out, investments have been lost, and to make matters worse, traditional lenders have turned their back on working with people whose credit is bad because of the credit crunch.
If your credit is extremely bad that doesn’t mean your financial life should end. Whether you have a sterling clean credit score or the lowest FICO on the planet, credit cards, loans and borrowing is a part of a healthy personal finance plan. People need cars to work, loans for homes, and credit cards to make purchases, in some cases it is required. So where does one turn when traditional banks and lenders will not approve your loan application because of your credit score?
Bad Credit Loans Can Help
Bad credit loans are easy to get approved regardless of your financial history. These lenders factor in other matters for qualification. Extremely bad credit loans are given out each and every day to thousands of honest, hardworking individuals that need to borrow money for pressing financial needs. Qualifying for bad credit loans, typically, is a matter of proving you have a steady income, whether by employment or security checks. There are some payday lenders that will guarantee approvals, no credit check required.
When looking for bad credit loans your path is determined by how extremely bad your credit actually is. If you can qualify for more traditional loans, I would recommend pursuing those financial instruments, as they usually have lower interest rates and longer financing terms. But if your credit is extremely bad and traditional loans are unavailable, you need a starting point to begin to build your credit anew. Personal loans and private credit loans are a great place to start again.
Apply Today
You can apply for multiple offers and the credit lenders will typically provide you with a loan offer detailing how much money they can provide you and at what financing terms. There is no obligation to accept your new loan offer, compare what the lenders can provide and choose the best for your needs. All of this can be done from the comfort of your own home, apply today, it’s that easy.
Can You Find Free Arrest Records Online?
You can’t tell a book by its cover but you can read it to find out. It’s the same with people. We need to go past the covers in order to learn the truth about them too. For a majority of us, we cross path with all sorts of different people all the time in our daily life and with the kind of crime rate that is seen in the country these days, we can’t afford not to take precautions. Fortunately for us, we can do that quite easily.
Many things about us are put into records. The United States have the most comprehensive system of Public Records in place. They are precious as gold if you know how to put them to good use and are accessible free of charge by anyone too as long as procedures are followed. There are various categories of free public records and Free Arrest Records in particular is very handy in finding out the truth about people.
There are quite a handful of record categories related to criminal violations and Free Arrest Records is unique in that 100% of the arrests are documented and stick whether or not they lead to eventual incarceration. This applies for Military personnel as well. In this way, even acquittals, dropped charges, insufficient evidence and reasonable doubt cases and other prosecutions which fail to secure conviction are still produced.
Free Arrest Records come under state jurisdiction. They are therefore governed by the respective state laws. Hence, variations exist from state to state in regard to their access and the treatment and permissible use of the information derived from them. Generally, their accessibility is quite liberal with exception when it’s deemed to be against public interests such as when it concerns security, social stability or juveniles.
Being public records, Free Arrest Records are obtainable from government agencies responsible for the function including police departments and even the FBI. They can be requested by mail, telephone, fax, or in person. Online option over the internet is also increasingly available nowadays and is proving to be a very popular mode of retrieval. Although Free Arrest Records are technically free-of-charge, an administrative fee is sometimes charged but the amount is usually nominal.
There is a multitude of practical applications of Free Arrest Records. They are used in very official and formal settings such as legal proceedings, police investigation and employment background check. Socially, they are also a favorite for checking out the background of neighbors, friends, relatives, nannies and tenants. One thing to note when using Free Arrest Records is that there are out-of-bound markers, violation of which is a legal offense.
With computerization and the advent of the internet, retrieving Free Arrest Records online from public offices is essentially a breeze these days. If the formality and waiting time with government departments are still too bothersome, there’s the paid version from commercial record providers to turn to. If it’s done online, the searched records are usually ready for download in a matter of minutes. They’re not free but the reputable ones are good value for money, so, why not?
How Caffeine Can Affect Your Health
In a regular cup of coffee there are about 170 mg of caffeine and in decaffeinated coffee there are about 30/40 mg of caffeine.
On the stock market, Coffee is a 90 billion dollar industry but what is significant is that just in North America 85%+ drink 3 to 5 cups of coffee per day. A huge number of people are at risk for many of the issues surrounding coffee consumption.
Top Ten Reasons why you should consider switching to a “Healthy Coffee”
Top 10 Caffeine-Related Health Problems
Cardiovascular Problems
Caffeine increases your heart rate, elevates your blood pressure, and can contribute to the development of heart disease. Both decaf and regular coffee increase your cholesterol and homocysteine, the biochemical that science has linked to increased risk for heart attack. Caffeine is also linked to coronary vasospasms, the cause for 20% of all fatal heart attacks which kill otherwise perfectly healthy people.
Stress
Caffeine stimulates the excretion of stress hormones which can produce increased levels of anxiety, irritability, muscular tension and pain, indigestion, insomnia, and decreased immunity. Increased levels of stress from caffeine can keep you from being able to make healthy responses to the normal daily stress everyone is subjected to in their lives.
Emotional Disturbances
Anxiety and irritability are hallmark mood disturbances associated with caffeine consumption, but equally important is depression and attention disorders. Depression may occur as part of the let down after the stimulant effects of caffeine wears off. It may also appear during the recovery period after quitting caffeine while the brain’s chemistry is readjusted. Caffeine rather than increasing mental activity actually decreases blood flow to the brain by as much as 30% and negatively effects memory and mental performance.
Blood Sugar Swings
Diabetics and hypoglycemics should avoid caffeine because it stimulates a temporary surge in blood sugar which is then followed by an overproduction of insulin that causes a blood sugar crash within hours. If you’re trying to loose weight, this rollercoaster will actually cause weight gain since insulin’s message to the body is to store excess sugar as fat.
Gastrointestinal Problems
Many people experience a burning sensation in their stomach after drinking coffee because coffee increases the secretion of hydrochloric acid leading to an increased risk for ulcers. Coffee, including decaf, reduces the pressure on the valve between the esophagus and the stomach so that the highly acidic contents of the stomach pass up to the esophagus leading to heartburn and gastro-esophageal reflux disease. With America ‘s high consumption of coffee, its no wonder the best selling over-the-counter drugs are the so-called antacids.
Nutritional Deficiencies
Caffeine inhibits the absorption of some nutrients and causes the urinary excretion of calcium, magnesium, potassium, iron and trace minerals, all essential elements necessary for good health.
Male Health Problems
Male Health Issues
Coffee is an irritant to the urinary tract and bladder. It is also a diuretic that aggravates conditions associated with frequent urination. Eliminating coffee and caffeine often relieves symptoms associated with frequent urination due to enlarged prostate glands.
Dr. Milton Krisiloff, M.D. has found that in the majority of cases, men can significantly reduce their risk for urinary and prostate problems by making dietary changes which include eliminating coffee and caffeine.
Female Health Problems
Fibrocystic breast disease, PMS, osteoporosis, infertility problems, miscarriage, low birth weight infants, and menopausal problems such as hot flashes are all exacerbated by caffeine consumption. Women on birth control pills are particularly at risk since they have a decreased ability to detoxify caffeine.
Adrenal Exhaustion
Caffeine consumption leads to eventual adrenal exhaustion which can leave you vulnerable to a variety of health disorders related to inflammation, autoimmunity, and fatigue.
Aging
Many people find in their forties that they can no longer tolerate the same level of caffeine consumption as they could in their twenties and thirties. The production of DHEA, melatonin, and other vital hormones start to decline and caffeine speeds up that downhill drop. Caffeine dehydrates the body and contributes to the aging of the skin and kidneys. It has been shown to inhibit DNA repair and slow the ability of the liver to detoxify foreign toxins.
Exhausted Adrenal Glands
Caffeine is a central nervous system stimulant. It causes the adrenal glands to secrete adrenaline, the hormone your body depends on in emergencies to elevate your heart rate, increase your respiration and blood pressure for a rapid flight-or-fight response. When you overuse stimulants, the adrenals become exhausted. If your caffeine sensitivity has diminished or you’re one of those who claims you can drink 3 shots of espresso and go right to sleep, guess what? Your adrenals have given up responding. This means you have less resistance to stress, which leaves you vulnerable to health hazards such as environmental pollutants and disease pathogens
Severe Blood Sugar Swings
Caffeine forces the liver to release glycogen into the blood stream. The pancreas responds to the sudden rise in blood sugar by releasing insulin, the hormone which causes excess carbohydrates to be stored as fat. Within the span of an hour or two, the result is a sharp blood sugar drop resulting in a state of hypoglycemia (low blood sugar). That’s when you think it’s time for another cup of coffee and the whole cycle starts up again.
Acid Imbalance
Over 208 acids in coffee can contribute to indigestion and a wide variety of health problems resulting from over-acidity associated with arthritic, rheumatic and skin irritations. Many people experience a burning sensation in their stomach after drinking coffee because coffee increases the secretion of acid in the stomach. Optimal health calls for an alkaline pH balance in the body.
Essential Mineral Depletion
Coffee inhibits the absorption of some nutrients and causes the urinary excretion of calcium, magnesium, potassium, iron and trace minerals, all essential elements necessary for good health. Women need to be concerned about osteoporosis as menopause sets in. Studies show that women who drink coffee have an increased incidence of osteoporosis compared to non-coffee drinkers. Men are not immune to osteoporosis either.
These are a number of health conditions for which doctors advise their patients to eliminate coffee and all caffeine from their diet.
Acid indigestion
Anxiety, irritability and nervousness
Candida or yeast problems
Colitis, diverticulitis, diarrhea and other irritable bowel symptoms
Chronic Fatigue Syndrome and other auto-immune disorders
Diabetes or hypoglycemia (low blood sugar)
Dizziness, Meniere’s syndrome or tinnitus (ringing in the ears)
Gout (Elevated Uric Acid levels)
Heart disease or heart palpitations
High blood pressure
High cholesterol
Insomnia and interrupted or poor quality sleep
Liver disease and gallbladder problems such as gallstones
Kidney or bladder problems including kidney stones
Migraines or other vascular headaches
Osteoporosis
Skin irritations, rashes and dryness
Ulcers, heartburn, and stomach problems such as hiatal hernias
Urinary tract irritation
IS THERE A HEALTHY COFFEE, BECAUSE I LIKE MY COFFEE?!?
Gano Healthy Coffee Products reduce the caffeine to about 7 or 8 mg per cup and give you the same energy boost without the health risks. De-caf Gano Cafe, Cafe Mocha and Tea, all blended with Ganoderma Mushroom extract, are available online at www.Healthy-Coffee-Shop.com. Ask for a free sample and try it for yourself.
Calculate Internal Rate Of Return Using Excel
Internal rate of return is commonly known as IRR by those in the
financial industry. To understand internal rate of return, you must
first know what is NPV or net present value. IRR is discounted rate
of return derived based on the condition that net present value for
an investment is 0. IRR is then compared to the company’s discounted
rate of return. If IRR is higher than the company’s / project’s discounted
rate of returns, then the investment is deemed to be worthwhile for the company or investor.
The discounted rate of return for the company is determined
by the investors themselves. Discounted rate of return is derived
based on a number of factors. One of them is the consideration of
risk. If the investor is evaluating a more risky investment, he is
likely to have a higher rate of return. This is to compensate the risk
that he is taking on this project. Another factor that could influence
the discounted rate of return is the general market rate of return.
To calculate the internal rate of return manually (without a
financial calculator) is a very laborious process. It will take
you minutes if not hours. However, using Excel, you can do it in
less than a minute. Assuming that the cash flows (from year 0 to
year 5) is in the range “D$3:J$3″, the formula to derive the IRR
is “=IRR(D$3:J$3)” without quotes.
Now that we have learnt how to calculate the internal
rate of return, it is important to know that IRR can only be
used under certain conditions. The best way to determine if the
IRR can be used is to plot the NPV of the investment against
the discount rate of return. If the NPV crosses the X-axis more
than once, i.e. NPV is zero more than once, than the investment
is considered to have multiple internal rate of return and should
be used with caution.
It is very safe to use IRR only when the cash inflow or outflow only
changes once. This means that you can have a series of outflow
before the inflow comes in. Once the inflow kicks in, outflow cannot
be present again. Alternatively, you could have a series of inflow
first followed by a series of outflow, but inflow of funds cannot
appear again. If there are multiple IRR, then it would be difficult
to determine which IRR to use.
If there are changes in the cash flows from negative to
positive and back again to negative, the chances of this
investment having multiple internal rate of return is very
high.
7 Qualities of a Good Wife – Part I
Whether you’re a man looking for a good wife or a wife wanting to improve yourself, your marriage or your relationship – take a look at these 7 qualities of a good wife. Good fruit will come from these basic qualities anyone can develop.
7) Nag free. Ladies, a good wife is going to be nag free. Nagging is an ineffective method of trying to get your husband to perform a task you desire. Trust me ladies – it doesn’t work and often will have the opposite of its intended affect.
6) Supportive. Are you supportive? What does it mean to be supportive? Do you belittle your man or do you help him to feel good about himself, his job, activities? Your husband will be much more respectful of you if you support him. Even when you don’t agree with him – respectfully let him know you don’t agree – then support him anyway. Otherwise, if he has difficulties – he’ll feel as though you’re adding to his troubles.
5) Build up your man. Ladies, there’s no quicker way to build resentment in your man than to criticize him – especially in front of others. On the flip side – try genuinely complementing your husband in front of other people. Your husband will glow with admiration toward you and you’ll feel his appreciation as love.
4) Keep him happy in the bedroom. Unfortunately, many women underestimate the importance of keeping her man’s needs met. Often this comes from the basic differences in women and men. For men, sexual desire is much like physical hunger and if it’s not fed properly – the relationship will struggle. Women must look to understand the needs of the man from his perspective not hers.
3) Respect. A good wife will try to treat her man with respect. How? Much of learning how to be respectful toward your husband has to do with the way you talk to him. The old phrase “It’s not so much what you say but how you say it” should become a wife’s motto. This doesn’t mean you need to be careful what you say to your husband – just be respectful in the way you say it.
2) Communicate. Ironically, good communication between men and women can be quite frustrating. However, a good wife will seek to discover what’s on her mind and find a way to express herself to her husband. Often, men and women will make a joint decision – while the man thinks she’s in agreement with him – but only to discover later that she thought the decision was a bad idea.
1) Be pleasant. Work to be pleasant toward your husband. Don’t be one of those people who makes everyone around you feel bad just because you’ve had a hard day. Good things will come from being pleasant. It’s a decision – just decide to be pleasant. But if you can’t be pleasant – make a decision not to bring him down with you.
Marriage & Love Blog
Bread Mold
Bread mold is a kind of fungus that is commonly found on bread surfaces. It takes food and nutrients from the bread and causes damage to the surface where it lives. It causes a bad taste to the bread also. But the mold has a place in the industry where it serves as a decomposer that can decompose decayed plants and animals.
Bread mold has a very simple lifecycle. It appears on the bread surface as a wind blown spore. With adequate moisture and nutrients from the bread, this spore sprouts and grows hair like structures on the bread surface. Once the mold attains a particular growth with paint brush like structures, it starts producing fruiting structures. These structures, sometimes called conidia, contain spores that are blown by wind and spreads to other bread surfaces.
Bread mold is found in different types, species, shapes, and colors. Some of the common bread molds are Penicillium, Aspergillus, Rhizopus, Monascus, and Fusarium. Penicillium molds usually appear green and grey in color and Aspergillus mold appears similar to Penicillium to the naked eye. But both are different when examined under a microscopic. In the Aspergillus mold, the fine hairs contain large balloons with spores inside.
If you are interested to see bread mold you can perform a small experiment with bread. You can take a slice of bread and moisten it slightly. Then keep the bread for two or three days in a place where there is no chance of the moisture content drying up. You will see some mold growth on the surfaces.
As the spores of this bread mold are commonly found in the air, bread is easily spoiled. To prevent this growth on bread surfaces, the bread can be baked at a temperature of 400 degrees or preserve the bread with small amounts of chemical. The chemicals used are prop-ionic acid and acetic acid which are safe to be mixed with the bread during the making of the bread.
Haiti – Culture And Sports
CULTURE
Like Katherine Dunham, Lillian Hellman, W.B. Seabrook, Erik Leonard Ekman, Alejo Carpentier, Selden Rodman, Noel Coward and Angeline Jolie, many people say that Haiti is the most beautiful country in the Caribbean. Known as the “Magic Land”, Haiti is famous for its culture. Certainly, Haiti its culture, its superstitions and its music. The superstitions or voodoo plays a profound role in the lives of many Haitians. The voodoo was introduced into Haiti in the late 16th Century. Haiti is also famous for its painting, and finally for its ruins…for example the Sans Souci Palace, the most famous ruins in the Caribbean. Exactly, this enigmatic palace is considered a Cultural Heritage for Humanity by UNESCO. Originally constructed by black slaves, now Sans Souci is one of Haiti’s main tourist attractions.
Since the late 1940s, Haitian painting, best known as “naïve art” or “intuitive art”, is famous all around the World. The most important figure was Hector Hyppolite. His work made its biggest splash in the United States in the 20th Century. Other artists known internationally include Rigaud Benoit, Castera Bazile, Joseph Jean-Giles and Jean-Baptista Bottlex.Haiti is famous for its traditional sculpture. The best Haitian sculptor is Albert Mangoes.
FAMOUS HAITIAN
Nelust Wyclef Jean (singer/Haitian-American): Original member of 1990s hip hop group The Fugees. Wyclef Jean is probably the most popular Haitian singer of all time. Jean was born in Croix des Bouquets (Haiti) on October 17, 1972. When he was just ten years old, he moved to the United States. Under leadership of Wyclef Jean and Lauryn Hill, The Fugees had several hits in the 1990s, including The Score (The Score album sold 6 million copies). Since 1997, Wyclef Jean, as soloist, became well-known on the international music scene. Like songwriter and producer, Jean collaborated with superstars as Santana, Withney Houston, Mick Jagger,Bono,Tevin Cambpell, Bounty Killer, Eric Benet, Sarah Connor, Claudette Ortiz, Tarkan, Michael Jackson, Youssou N´Dor, Shakira, Olga Tañon, Carlos Ponce and Julio Voltio. During the last seven years, he has sold more than 10 millions albums worldwide. In 2002, his single Masquerade was a great success.
Since then, Wyclef Jean is a man that always works with love for Haiti, one of the World’s poorest countries. Recently, he makes perhaps his best work: “Yele Haiti”, a foundation which works for the human development in the Island. Like Miriam Makeba in South Africa or Bianca Jagger in Nicaragua, Jean loves his roots. In an interview for Magazine, Wyclef Jean discussed about Haitian roots: “I am 100% Haitian. I am proud to be Haitian. I still have my Haitian passport. I represent Haiti in everything that I do. Every head in the industry knows that I am Haitian…they know what I’m about. I was Haitian forst. Haitian till die!”, said Jean.
Discography: Wyclef Jean Present the Carnival Featuring the refugee All-Stars (1997) / The Ecleftic:2 Sides II a Book/ Masquerade (2002) / The Preacher’s (2003)/ Sak Pasé Presents: Creole 101( 2004) /Hips Don’t Lie (with Shakira, 2006).
FAMOUS HAITIAN WOMEN
Michaëlla Jean (Governor-General of Canada)/ Yvonne Neptune (former Prime Minister)/Claudette Werleigh (Prime Minister 1995-1996)/Lina Blanchet (singer)/ Edwidge Danticat (writer)/ Michelle Bennett Duvalier(First Lady of Haiti 1981-1986)/ Luce Turnier (painter)/ Ertha Pascal-Trouillot (Head of State 1990-1991)/ Marie Casimir (journalist) / Sonia Sekula (Painter) / Marie Chauvet (writer)/ Suzanne Comhaire-Sylvain (writer)/ Carmen Brouard (singer)/Dayana Bennett (journalist and actress) / Elie Price (singer)/ Blanche Bosselman (singer)/ Lina Mathon (singer)/ Georgette Moliere (singer)/ Simone Ovide Duvalier (First Lady of Haiti 1957-1981)/ Marleine Bastien (human rights leader)/ Garcelle Beauvais (actress and model)/ Deborah Saint-Phard (track and field)/ Antoinette Gauthier (track and field), Louise Pierre (track and field)/ Rose Gauthier (track and field)
Edwidge Danticat (writer): One of the Caribbean’s most famous writers in the 21st Century. She has written several novels and collections of shore stories, including Kri? Kra!, nominated for a National Book Award. Danticat attracted international attention in 1997 when she wrote perhaps her most famous novel Farming of the Bones, a story about genocide Haitians under the repressive dictatorship of Rafael Leonidas Trujillo.
Garcelle Beauvais (actress): She is the first Haitian actress to star on television. Although she has lived in the United States for many years, the actress and former fashion model Garcelle Beauvais was born in Saint Marc, a city in Haiti, in 1966. She is perhaps best known for her role as Francesca Monroe on TV’s the Jamie Foxx Show. Like Gerthie David, Joelle Apollon, Evelyn Miot, and Marjorie Vincent, she has the classic beauty of the Haitian black woman
SPECIAL AWARDS
Gerthie David “The Black Goddess”
In 1975, many Haitian people were shocked to open their newspapers and see photographs of Gerthie David Miss Haiti in El Salvador. On the night of July 19th 1975, in San Salvador, Gerthie David, Miss Haiti, was the second black woman to first runner-up in the history of Miss Universe Pageant. After winning the Miss Haiti title, Gerthie went to San Salvador, the capital city of El Salvador, to enter the Miss Universe Contest. The competence was exhausting, very hard, for example Miss Bolivia, Jackeline Gammarra, great favorite, was eliminated. This day, Miss Haiti looks like a black goddess. Her exotic beauty and charming personality are amazing! At 1,72m in height, she was the best in the evening gown competition, but her speech about the Haitian superstitions swayed thousands of applauses in the 25th Edition of the Contest. Certainly, Miss Haiti captive to the judges Sarah Vaughan (American black singer), Maribel Arrieta (Miss El Salvador 1955 and First runner-up at Miss Universe 1955), Jean Claude Killy (French sportsmen) and Leon Uris(American writer ).
When Bob Barker, the host this pageant, announces the final placements, Gerthie was cheered by the entire auditorium. Suddenly, her pulse rate beats at thousand per minute… “First runner-up is Miss Haiti!”, said Barker. She was one of the most exotic delegates in all history of Miss Universe. In the 1970s, Gerthie David was a model from Port-au Prince and she became a symbol to the Haitian youth.
Next months, in London, Joelle Apollon, Miss Haiti-World, came in sixth place at Miss World 1975.After sixteen years, Marjorie Vincent, formerly Miss Illinois 1991,won the title of Miss America Pageant. The first Miss America to originate from the Caribbean. In other words, Marjorie Vincent has Haitian roots. Furthermore, she was the second black woman to win the pageant.
SPORTS
Like in Brazil or Italy, the football is the most popular sport in Haiti. Certainly, the national pastime is the football. A different of the Dominican Republic or Puerto Rico, the Haitian people don’t like the baseball. In the 20th Century, football became the most popular sport in the Island, thanks to such heroes as Sylvio Cator, Joseph Gaetjens and Emmanuel Sanon. In 1974 Haiti qualified for the World Cup in Germany.
Emmanuel Sanon was one of the Haiti’s most popular players and played at the 1974 World Cup. Sanon made a great contribution to Haitian football because he played in more World Cup qualifiers any other Haitian. He is still very popular with local fans. Other phenomenal talent was Joseph Eduard Gaetjens. He represented both Haiti and the United States. He made FIFA World Cup History: When scored United States opening goal in the 1950 World Cup against England. Joseph came to the United States in the 1940s to play in the American Soccer League. His beautiful play in the Brookhattan Club made in a national star. In 1953, he played for Haiti for the first time.
It’s practically impossible to talk about Haitian athletes without mentioning Sylvio Cator. He is a legend in this sport. Cator won the silver medal in the long jump at 1928 Amsterdam Olympics. Cator returned home to a hero’s welcome. From 1928 to 1930, he was record man in the long jump. Cator was a marvelous jumper and footballer. He also played an important role in popularizing football in the Island (it was the captain of Haitian National Team).
Since then, he is an example for young people in Haiti. He died in November 1938, but today the people of Haiti still think of him with respect. Many years after Cator’s death, the National Stadium in Por-au-Prince was renamed in his honor. Cator was the first of the great Caribbean sportsmen that would come to dominate world track and field.
FAMOUS ATHLETES
Bruny Surin (Canada-Haiti/track field)/ Edrick Floreal (Canada-Haiti/track field)/ Samuel Dalembert ( USA-Haiti/basketball) / Ronald Agenor (USA-Haiti/tennis)/ Sylvio Cator (track and field)/ Yves Jeudy (Box)/ Dieudonne Lamothe (marathon)/ Ludovic Augustin (shooting)/ Ludovic Volborge (shooting)/ Joseph Eduard Gaetjens (Haiti-USA/football)/ Dudley Dorival (track field)/ Fitz Plantin Andre (football)/ Emmanuel Sanon (football)/ Josmer Altidore (Haitian-American/football).
Dudley Dorival (track and field): Dudley Dorival was born on 1 September 1975 in Elizabeth (New Jersey, USA). Dorival is the son of Haitian parents and got Haitian nationality just in time for the XXVII Summer Olympics Games. Since the 2000 Olympics, Dudley Dorival has competed in international competitions under the banner of Haiti. In Sydney (Australia) Dorival finished 7th in the 110m hurdles. He became the first Haitian to Olympic finalist since Yves Jeudy (boxer) in 1976. He won the silver medal at the 1994 World Junior Championship, the bronze at the 2001 World Chanpionship and the gold medal at the 2002 Central American and Caribbean Games El Salvador. Dorival is one of the best sportsman in the history of Haiti.
REFERENCES:
-Bennet Patterson, Carolyn.”Haiti: Beyond mountains, more mountains”, National Geographic, Washington DC, January 1976
-Bishop,Randa. “Imponentes monumentos haitianos”, Americas, Washington DC, enero-febrero 1987
-Cobb,Charles. “Haiti against all odds”, National Geographic, November 1987
-Encyclopaedia Britannica Book of the Year 1981, Encyclopaedia Britannica, Chicago, 1980
-Encyclopaedia Britannica Almanac 2003, Encyclopaedia Britannica, Chicago, 2002
-Guevara Onofre, Alejandro. Enciclopedia Mundototal 1999, Editorial San Marcos, Lima, 1998
-Hunter, Brian. The Statesman’s Year-Book 1991-92, The Macmillan Press, 1991
-Moritz, Charles. Current Biography Yearbook 1972, H.W Wilson Company, NY
-Sconfield, John. “Haiti-West Africa in the West Indies”, National Geographic, Washington DC, February 1961
-The International Who’s Who 1996-97, Europe Publications, London, 1996
-The World Almanac 2001, World Almanac Books, New Jersey, 2001
-Tibballs, Geoff. The Olympics´ strangest moments, Robson Books, London, 2004
-Vargas Llosa, Mario. “Haití: la muerte”, El Comercio, Lima, 25.4.1994
-Visión. “Imperio del Poder Vitalicio”, Santiago de Chile, 17 de marzo de 1967
-Wallechinsky, David. The complete Book of the Olympics, Aurum Press, London, 2004
-Wallechinsky, David-Wallace, Irving. The People’s Almanac2, Batam Book Inc
-http://WWW.Yotube.com”1975 El Salvador Miss Universe” (video)
Truck Rental Inventory Warehousing Supplier Management Software
How Does Owner Financing Really Work?
Owner financing, occurs when the seller of a home finances all or a portion the sale of his or her own property. This is often referred to in real estate ads as “Owner Will Carry” or similar wording, meaning that the owner of the property will, in effect, act as a bank and loan the purchaser all or part of the money needed to purchase the owner’s property.
There can be several advantages to the seller for carrying a note, as it is also known. There can be tax advantages in spreading out the time over which an owner receives the money from the sale of a property. Also, many owners simply like the idea that they can receive a monthly income from a property even after they have sold it – and no longer have to worry about repairing leaky roofs or replacing dead water heaters.
There is a nice monetary inducement to the owner to carry paper as well – the owner can charge the buyer interest on the money that the owner is lending to the buyer. In this way not only does the owner collect a monthly mortgage payment on the property he or she has sold, but the owner collects interest as well, in effect increasing the owner’s overall sales price of the property.
In order to protect themselves, some homeowners require that the buyer make their monthly payments into an escrow account held by a bank or other lending institution, and they require the borrower to place a Quit Claim Deed into the escrow account with instructions that if a payment is late by a certain number of days then the escrow officer will automatically file the Quit Claim Deed, restoring the house to the former owner instantly.
If this were to happen the buyer would not only lose title to the property but would also lose any and all payments already made on the property. This is a powerful incentive for the buyer to make all payments in a timely manner.
A more pragmatic reason, perhaps, why some homeowners agree to carry a note is to increase the universe of potential purchasers for their property. The way this works is easy to understand. If the homeowner is making a portion of the loan on the property then the borrower will need to qualify for a smaller loan from a bank or other financial institution, meaning that a larger number of people will be able to qualify for any bank loan that might be required to purchase the property. If the seller finances the entire selling price of the property then buyers do not need to qualify for a bank or other financial institution loan at all. This can greatly increase the number of people who are interested in buying a piece of property.
For starters if the owner is financing all of a sale then a borrower does not have to qualify for a loan at a traditional financial institution. Even if the seller only finances a portion of the loan the borrower benefits by having to qualify for a smaller loan from a traditional mortgage source.
Additionally, when a seller finances a property there are no points or closing costs for the buyer to pay, saving the buyer potentially several thousand dollars on the transaction. And while the seller of the property may charge the same interest rate that a bank or other financial institution would charge, it is sometimes possible for a buyer to actually end up paying a slightly lower interest rate if the seller finances the sale since more aspects of the sale are open to negotiation than may be possible when dealing with a traditional lender.
Many factors can influence whether the seller of a property is willing to carry all or a portion of the sales price on a piece of property. In many cases, however, the determining factor is the overall condition of the market itself.
When homes become difficult to sell – when it is a buyer’s market, in other words – then sellers are more inclined to do whatever is necessary to increase their chances of a sales and so owner financing is more readily available.
Conversely, when homes are selling quickly and it is a seller’s market, then sellers have little incentive to carry back a mortgage.
So your chances of finding an owner willing to carry back a mortgage are largely dependent on the current housing market. But regardless of prevailing market conditions, it never hurts to ask if an owner is willing to carry paper.
Pink Slime in Swimming Pools
Pink Slime (and its “buddy” White water mold) is a newer problem facing swimming pool owners over the past 10 – 20 years. They are naturally occurring and are caused only by a lack of proper pool maintenance and water chemistry. In fact, even non-pool owners struggle with the pink slime in bathrooms, kitchens, and washrooms. Ever notice that pink ring around the basin? That’s pink slime.
Let’s define what pink slime is. Pink slime is a naturally occurring bacterium (of the newly formed genus Methylobacterium). Pink Lime is NOT a form of Algae, it is animal not vegetable. It is pink- or red-pigmented and forms a heavy, protective slime coating which provides the organism with an unusually high level of protection. Pink slime consumes methanol (a waste gas) and it is oftentimes found WITH White Water Mold. This organism is very resilient and resistant against halogen-based (chlorine or bromine) as well as non-halogen sanitizers or germicides and can remain a contaminant even after treatment.
Although initially found in swimming pools being treated with biguanides (Baquacil, Soft Swim, Polyclear, etc.), it is now seen in any and all swimming pool environments. This is NOT a biguanide problem ONLY nor is it CAUSED by the use of biguanides.
The pink slime bacterium has an affinity for the matrix that exists on the surface of PVC plastics; it will attach itself to & inside of the matrix, allowing it to re-contaminate long after it appears that it has been seemingly “destroyed” (includes pool toys, floats, ladders, steps, fountains, automatic pool cleaner parts, skimmer baskets, weirs, directional fittings, garden hoses, etc.). Small quantities of pink slime can lead to a re-establishment of the problem. It is caused by improper water & pool maintenance, environmental factors and poor circulation. Pink slime prefers areas that are “dark” (not exposed to direct sunlight) & with “slow moving” water. In another industry, medical technology, this bacterium occurs regularly in laboratory tubin.
Look for pink slime under ladder treads, behind the skimmer weir, on the undersides skimmer baskets, pool directional returns, underwater pool light niches and light housings. If you find that the pool just isn’t holding chlorine, bromine, or even hydrogen peroxide used in biguanide treated pools, look for pink slime.
After regular tracking of homeowners swimming pools affected by pink slime, here are some commonalities:
Many, but not all, affected pools have “smaller (under) sized” cartridge filters. (i.e. using a 75 sq ft filter on a 24 ft Rnd aboveground pool or a 90 sq ft filter on a 15 x 30 inground pool).
Affected pools get 6 hours or less of direct sunlight on the pool surfaces.
Pool owners always leave the solar blanket on AND don’t chemically clean the blanket the recommended 2 times per year to remove the accumulated biofilm.
“Shocking” or oxidizing of the pool water is not done with the recommended label instructions. For example, rather than shocking the pool every week or two, that task is neglected because the water “looks fine.”
Rainy pool seasons see a dramatic rise in the cases of pink slime.
Customers regularly add fresh water from their tap without letting the hose-water run for a couple of minutes (the pink slime is already present in the garden hose and is transferred to the pool).
Pools with sand filters are not changing the sand every 2 to 3 years AND not chemically cleaning the filter sand 3 times a season (once every 6 to 8 weeks).
Newer observation: Most of the affected seem to use publicly treated drinking water. Pools filled with well water appear to be not as severely affected.
Affected pools are not as fastidiously maintained chemically (water balance, use of borate additives such as BioGuard Optimizer Plus or Proteam Supreme, regular shocking), as clean pools.
Another observation is that many water companies across the country, in partial response to “consumer calls” to “get rid of chlorine in the drinking water” are now using mono-chloramines to treat the water (over the past 15 to 20 years). Mono-chloramines do an essentially good job at treating pathogens in the drinking water, however, some of the non-pathogenic organisms may indeed be getting by. Unfortunately, there is only experiential or anecdotal evidence.
Prevention of “pink slime” is preferred over treatment. Follow these steps to help prevent pink slime:
Physically brush & clean ALL Pool surfaces weekly, including ladder steps (especially underneath each step) & rails
Expose ALL pool surfaces to as much sunlight as possible (sunlight & UV are natural oxidizers)
Remove the lid from the skimmer to allow sunlight into the basket for several hours each day ** INGROUND POOLS MUST USE EXTREME CAUTION in doing this in order to avoid a person falling into or otherwise injuring themselves due to an open skimmer.
Regularly add oxidizing chemicals into the skimmer to purge & clean the filtration lines of any bio-film (use extreme caution if doing this. Add chemicals slowly and remove ANY and ALL objects, including slow dissolving chlorine tablets or sticks, to avoid a potential chemical reaction such as explosion.
When adding make-up water from the garden hose, allow the water to run for 2 to 3 minutes before putting the hose into the pool.
Regularly clean pool toys & floats (use BioGuard Stow Away acting as a mildewcide)
Regularly clean pool solar blanket (use BioGuard Stow Away)
Chemically clean the pool filter every 4 to 6 weeks (use Strip Kwik, Kleen It or Soft Swim® Filter Cleaner). This is a very important step regardless of the filter type; sand, DE or Cartridge.
Add regular Maintenance dosages of “Shock” & Algicide every 1 to 2 weeks as prescribed (3 to 4 weeks in bguanide pools).
Use borate products such as BioGuard Optimizer Plus as a preventative measure (borates, when used properly at a rate of 50 – 80 ppm, allow the sanitizer to sanitize rather than sanitize and prevent algae growth).
Run the filter a minimum of 12 hours daily to prevent “dead spots” in the pool.
Remember to clean & rinse the brushes, hoses & vacuums that you use to clean the pool
Leave as much of your pool equipment exposed to the sun (sunlight is a natural oxidizer)
Keep the water balanced at all times. Recheck after heavy usage or rain or large “top-offs” of new water. Water balance refers to Free Available Sanitizer level, pH, Total Alkalinity, Calcium Hardness.
Treatment of “pink slime” MUST BE QUICK AND TOTAL! DON’T SKIMP!
Clean all pool & affected surfaces as prescribed above.
Physically clean & remove all visible “pink slime”
Add an initial dosage of algicide to the pool
“Shock” the pool with a triple or quadruple dose
Run filter 24 hours daily until water is clear & halogen or peroxide levels are maintained at a “higher” level
Chemically clean the filter. Simple rinsing or backwashing of the filter will not remove the greases, oils & other accumulated contaminant from the filter and filter tank.
Have the pool water professionally tested & analyzed. Look for a pool company that knows what they are talking about and isn’t afraid to tell you the truth about problem.
Maintain Optimizer Plus (or other borate product) levels
Maintain good water balance of pH, Total Alkalinity & Calcium Hardness
The longer that you allow the pink slime to remain, the more difficult it will be to cure.