How To Choose The Best Travel Trailer Covers?

How to Choose the Best Travel Trailer Covers?

by

Hunt Ethen

Bought new camper and excited to go on camping, but you might be worried about the protection of your camper from the scratches and weather harms. There are several people who love outing and use camper to halt at the best location. Obviously, it is understood that camper is a huge investment and you have to concern about it safety from the UV damages, dirt, dust, snows and heavy rain falls. There are several travel trailer covers available in the market that protects your camper from all the damages and scratches properly and extend its longevity. Now, you have to rush to buy premium travel trailer covers from the market so you can easily go for the outing without any trouble. The advent of the technology makes shopping experience easier and convenient ever as you can shop online at the comfort of your home. Selecting and buying appropriate travel trailer covers is not a daunting task if you have some details about the covers.

Instigate your exploration for the covers from determining the exact size of your camper. In order to keep your camper in pristine condition without profligacy, you must measure the exact size of camper so you can buy perfect covers that cover it completely.

Another imperative factor is the climate. Determine the climate where you stay or halt. For instance, if the climate is damp, choose premium travel trailer covers having more breath ability. It prevents humidity and keeps the camper fill with oxygen for breathing. There are different varieties and design of travel trailer covers available that can easily fit to your requirements.

Moreover, check all the advanced features such as cover must be UV rays protect, evaporate moisture, durability etc.

[youtube]http://www.youtube.com/watch?v=083ghi9fyrY[/youtube]

In addition to this, travel trailer covers must have proper straps and buckles to save covers from getting blow off in the wind. Additionally, consider that there should be zipper incorporated in the covers so that you can easily access to the camper without any trouble.

Now, rush to the online store that offer discounts to the customers. Check authenticity of the selected online store and navigate to the repository to choose the best cover.

Mention your requirements and ask for the exact covers that meet all your demands.

Benefits of having travel trailer covers:

No worries regarding safety of precious camper from scratches and damages.

It keeps the camper in immaculate condition and increase resale value if you choose to resale your vehicle.

In enhances durability and longevity of the vehicle so you can keep enjoying your trip and outing with your family and friends.

Camper allows you to stay in without roaming or searching for the place to accommodate. These covers provide security to the users while they stay in camper.

Ultimately, these advance designed travel trailer covers are built to provide you complete safety and protection to your vehicle. Travel Trailer Covers are the best to save your camper from Ultra violet rays from the UV damages, dirt, dust, snows or freezing winter weather.

Author writes some interesting points and benefits of

Travel Trailer Covers

. These are very helpful you while you select

Premium Travel Trailer Covers

.

Article Source:

ArticleRich.com

Australia to send 200 more troops to Afghanistan

Wednesday, February 1, 2006

Australia’s Foreign Minister, Alexander Downer, says the Federal government will contribute another 200 troops to assist the Dutch military in a former Taliban stronghold. Australia also pledges $150 million in aid for the reconstruction of Afghanistan.

“We have 190 at the moment, special forces, we’ve got another 110 going there to provide additional support for them with two helicopters, and this would be another 200 on top of that.” Mr Downer said.

Speaking outside a two-day international donors conference in London, Mr Downer said Australia’s commitment to Afghanistan was not as large as some countries, but it would nevertheless make a big difference.

He said Australia would build on the millions it has already spent in Afghanistan, with a new pledge of $150 million over 5 years through aid agency AusAID. Canberra has spent 110 million dollars in the war-torn country since the coalition invaded in late 2001.

Mr Downer joined world leaders in London for the signing of the Afghanistan Compact: “a road-map for international donors and the Government of Afghanistan to work together to rebuild the country into a stable and democratic state.”

Australia’s latest troop commitment, for a provincial reconstruction team in conjunction with the Netherlands, will take its total in Afghanistan to 500 troops. Downer said that the troops would probably be sent to take part in a proposed provincial reconstruction team with Dutch soldiers in the southern province of Uruzgan as early as July.

“July, August would be the pencilled-in planning at the moment, so that would involve Australia sending around 200 troops over and above the troops we already have in Afghanistan,” he said.

Mr Downer said Afghanistan still had a security problem but things were going in the right direction.

“We know how important it is for the new democratic government in Afghanistan and the new free and democratic processes there to survive, and every country that possibly can needs to give support to Afghanistan,” he said.

Under the compact, Afghanistan has pledged to meet targets in security, governance, rule of law and human rights, and economic and social development in return for military and financial aid from its international partners.

Australia also has about 900 troops in Iraq. About 450 of the soldiers are guarding Japanese forces in southern Samawa, which Japanese media reports said could end by May.

Downer said Australia would “wait and see” what Japan would do before deciding whether to bring its Samawa troops home or redeploy them elsewhere in Iraq.

Australia has already committed some 300 troops and support personnel to Afghanistan.

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Three die in Cornwall, UK caravan park of suspected carbon monoxide poisoning

Monday, February 25, 2013

Carbon monoxide poisoning is thought to have been the cause of the deaths of three people and one Jack Russell dog in a caravan park in Cornwall in South West England. Cornwall Fire and Rescue Service (CFRS) were alerted to the incident in Tremarle Home Park in the town of Camborne at 12:56 UTC on Saturday.

We have seen a big increase in the number of carbon monoxide incidents in Cornwall over recent years

Inspector David Eldridge said Devon and Cornwall Police were alerted to the caravan park incident after “a helper had been unable to get a reply from an elderly couple who lived in the caravan”. He said that upon their arrival, “We were able to see that there was a figure sat in a chair but they were unresponsive to knocks at the door.” CFRS workers called to the area “forced entry into the property and found that the three occupants were all dead”, Inspector Eldridge said. A hazardous material advisor was also present at the scene in North Roskear. The Health and Safety Executive is now investigating the incident but the deaths are not considered as being of a suspicious nature.

The three fatalities have been identified as Audrey Cook, aged 86, her husband Alfred, aged 90, and Maureen, their 46-year-old daughter. David Biggs, a member of Camborne Town Council, said the incident came as “a shock” to him; Tremarle Home Park is “a well established facility and is very well run”, according to him. Biggs described the loss of three lives as an “appalling tragedy”.

The incident came five days after Cornwall Council announced its Family Placement Service would launch a joint venture with Cornwall Fire and Rescue Service to place carbon monoxide detectors in the houses of foster carers. The programme, entitled ‘Be Gas Safe’, has seen 200 carbon monoxide detectors and 2000 leaflets to raise awareness about carbon monoxide being given to CFRS. Mark Blatchford, Group Manager of CFRS, said: “We have seen a big increase in the number of carbon monoxide incidents in Cornwall over recent years”. He described carbon monoxide detectors as being “as important as a smoke alarm as it provides a valuable early warning”.

Carbon monoxide is a poisonous, colourless, tasteless and odourless gas which is created when such carbon-based fuels as oil, gas, coal and wood are not completely incinerated. The human body’s capacity to hold oxygen in the blood can be reduced by inhalation of the gas, which in turn may cause death. The Gas Safe Register has said dizziness, headaches, queasiness, lack of ability to breathe, fainting and losing consciousness are all symptoms of a person experiencing carbon monoxide poisoning.

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Keep Your Vehicle Driving Smoothly With Transmission Repair In Montgomery, Al

byAlma Abell

Your automobile has many moving parts and if the vehicle has an automatic transmission then many of those parts are located inside it. Along with the engine, the transmission is one of the most important pieces of equipment on your car or truck. This is because the transmission is responsible for taking the engine’s horsepower and RPM (rotations per minute) and converting it into torque that the driving axles can use. Without this ability to transfer that horsepower the vehicle wouldn’t roll very well and would be limited to a small range of speed.

Due to their technical complexity the automatic transmission has many moving parts. However, the actual design is generally operated by hydraulic pressures used to shift the gears and move the quickly rotating internal parts. Along with hydraulic pressure, some transmissions also take advantage of vacuum pressure to help the transmission shift. This very diversity is the main reason you should always contact an expert for automatic transmission repair in Montgomery AL

There are many things that can fail on an automatic transmission. For example, the device uses a torque converter that connects to the flywheel of the engine and transfers the engine’s power into hydraulic power. If this device becomes unbalanced it will affect the function of the transmission. Likewise, transmissions have numerous seals used to keep these pressures and the fluid inside. There are both a front and real seal that wear down over time and allow the transmission to leak. There is also a seal on the bottom of the transmission where the pan is located. This is typically replaced when the fluid is replaced or the filter is cleaned.

Automatic Transmission Repair in Montgomery, AL is certainly the job of an expert, but some cars use a manual transmission which operates a little differently. These transmissions are usually very durable with their weakest parts being the clutching mechanism. Changing the clutch requires the transmission to be removed from the engine to access the parts between the engine and transmission. Once the new clutch is in place it will need adjusting so it doesn’t wear out too soon. To help you keep your transmission working smoothly companies like jones brothers enterpriseswill quickly repair or replace your transmission so you can focus on more important business.

Canadian trio claim South Pole record for trans-Antarctic trip

Saturday, January 10, 2009

A trio of Canadian trekkers said Friday they completed the fastest unaided on-foot trek using the traditional route from Hercules Inlet on the Ronne Ice Shelf to the South Pole in a record time of 33 days, 23 hours and 30 minutes. Ottawa ultra-runner Ray Zahab, age 39, adventure journalist and architect Kevin Vallely, age 44, of Lynn Valley, North Vancouver and North Pole expeditionist Richard Weber, age 49, said they completed the 700-mile (1,130-kilometer) journey, at 10,000 feet altitude, finally arriving early Wednesday morning.

They endured a white-out but survived on a 7,000-calorie-a-day diet of pemmican, Gatorade drink powder, outdated salami, deep-fried bacon, cheese and butter. “If you took a cloud, wrapped it around your head and then duct-taped it, that’s what a white-out is like,” Mr Zahab, explained. The trio also suffered altitude sickness, vertigo, massive, painful blisters, and temperatures as low as minus 40. Zahab had to pull 170-lb (77-kg) sleds of equipment, traveling on foot and on snowshoes while the other two men skied.

According to ExplorersWeb.com’s founder, Tom Sjogren, the trio erased the previous record of 39 days, 7 hours and 49 minutes, which was set by American Todd Carmichael, the first American to cross Antarctica to the South Pole alone, on foot and with no assistance. He arrived at The Pole on December 21, 2008. “They have definitely broken the record,” said Sjogren. Guinness World Records spokesman, Damian Field, in London, however, said that “Guinness monitors a category for fastest unsupported trek to the South Pole, but it has no record currently listed.”

Prior to Carmichael, the record was held by Briton Hannah McKeand. In the fastest journey to the South Pole (600 nautical mile journey), she completed solo and in just 39 days, 9 hours and 33 minutes. In March 2008 she attempted to reach the North Pole alone and unsupported but had to abandon the trip after falling through the ice and badly damaging her shoulder.

Ray Zahab is a Canadian ultramarathon runner, personal trainer, and motivational speaker. He lives in Chelsea, Quebec, and is famous for his 4,300-mile (6,920-kilometer) epic run across the Sahara Desert in 2007, which was the subject of a documentary narrated by actor Matt Damon‘s “Running the Sahara.” He heads Impossible2Possible, a nonprofit organization which advocates planet protection. “I started looking at impossible places on the planet in the past year, and I said Antarctica is one of those impossible places, and if we can create an expedition, perhaps we can inspire a bunch of young people to realize they can achieve,’ Zahab said.

Richard Weber, M.S.M. (born June 9, 1959 in Edmonton, Alberta) is a world-renowned Canadian Arctic and polar adventurer, from Alcove (near Wakefield). From 1978 to 2006, he participated in, lead and organized more than 45 Arctic expeditions. Richard is the only person to have completed six full North Pole expeditions. He has therefore trekked to the North Pole more than anyone in history.

The trio were waiting out a storm before boarding a flight to Chile for Ottawa. “I’m pretty tired, actually,” said Kevin Vallely, calling from Patriot Hills, Antarctica. During the saga, Vallely was solely burdened with carrying the high-tech gear in his sled consisting of video cameras, satellite phones, hand-held computers, different kinds of solar panels, batteries and wires chargers. “Had we not brought all that stuff we probably would have got it done faster because we wouldn’t have had to carry all that weight, but then it doesn’t matter as much,” he explained. Vallely said he also intends to produce a documentary of the expedition.

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NASA calls end to Mars Phoenix mission

Tuesday, November 11, 2008

NASA officials have decided to call an end to the Mars Phoenix Mission, after winter took hold of the red planet. NASA calls the mission a total success.

“Phoenix has given us some surprises, and I’m confident we will be pulling more gems from this trove of data for years to come,” said Phoenix Principal Investigator Peter Smith of the University of Arizona in Tucson, Arizona in a statement on NASA’s website.

The Phoenix lander last sent a signal to Earth on November 2. NASA says that colder temperatures, lack of sunlight and increased dust particles on the lander’s solar arrays has stopped its on board batteries from charging, causing the instruments to fail.

Despite the news, Phoenix had operated two months longer than scheduled. The lander had been operating for over five months.

Phoenix was responsible for several discoveries on Mars, including the confirmation of the presence of water-ice, which had previously only been detected from space.

“Phoenix provided an important step to spur the hope that we can show Mars was once habitable and possibly supported life. Phoenix was supported by orbiting NASA spacecraft providing communications relay while producing their own fascinating science. With the upcoming launch of the Mars Science Laboratory, the Mars Program never sleeps,” said Doug McCuistion, director of the Mars Exploration Program.

NASA officials will continue to listen for a signal from Phoenix, in hopes that it will phone home again in the near future.

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Controversial development training cited in religious discrimination lawsuits

Friday, May 23, 2008

A controversial development training course called “Landmark Forum” is cited in religious discrimination lawsuits in United States federal courts in New York and Washington, D.C. The seminars are run by a San Francisco, California-based for-profit training company called Landmark Education. The company evolved from Erhard Seminars Training “est”, and has faced criticism regarding its techniques and its use of unpaid labor. The sperm bank and surrogacy company Los Angeles-based Growing Generations is named as a defendant in the New York lawsuit, and the Democratic political action committee Twenty-First Century Democrats is a defendant in the Washington, D.C. case.

In separate lawsuits filed in the United States District Court for the Southern District of New York in Manhattan, New York, and in the United States District Court for the District of Columbia in Washington, D.C., former employees are suing their employers for monetary damages and claiming religious discrimination after their employers allegedly mandated that they attend courses at Landmark Education.

In the US$3 million federal lawsuit filed in New York, Scott Glasgow is suing his former employer Growing Generations and its CEO Stuart Miller. Growing Generations maintains sperm banks and also arranges surrogacy for gay couples who wish to have children. The company has offices in New York and Los Angeles, and has done business with celebrities including actor B. D. Wong of Law & Order: SVU.

Glasgow was marketing director of Growing Generations, and claims he was fired in June 2007 after refusing to continue attending Landmark Education seminars. Glasgow is also suing for sexual harassment, and claims Miller came on to him in September 2006. He made approximately $100,000 per year as the company’s marketing director, and was the company’s only employee based out of New York City. The company’s main offices are in Los Angeles.

I want them to stop imposing Landmark on the employees, and I want an apology.

“I was shocked when I was fired. It took me months to right myself. I want them to stop imposing Landmark on the employees, and I want an apology,” said Glasgow in a statement in The Village Voice. Brent Pelton, one of Glasgow’s attorneys, stated that: “The Landmark philosophy is deeply ingrained in the culture of the company”. Glasgow said that the Landmark Education training courses were “opposite” to his Christian beliefs. According to Glasgow he was questioned by Miller in May 2007 after he walked out of a Landmark Education course, and was fired shortly thereafter. “We stand by the allegations contained in the complaint and we look forward to proving them at trial,” said Pelton in a statement to ABC News.

Ian Wallace, an attorney who represents Growing Generations, claimed that Glasgow wasn’t fired but walked away from his position. “Growing Generations and Mr. Miller are very confident that these claims will be dismissed ultimately, and there’s no factual basis for them whatsoever,” said Wallace in a statement to The Village Voice. Lawyers representing Growing Generations and Stuart Miller declined comment to The New York Post, and did not immediately return a message from ABC News.

In Glasgow’s complaint, entered into federal court record on April 18, he asserts that Landmark Education constitutes a “religion”, and “perceived their philosophy as a form of religion that contradicted his own personal beliefs”. He states that when he was promoted to Director of Marketing, he asked Miller if he could stop attending the Landmark sessions but was told that they were mandatory for all of the company’s executives and that Landmark is “very much the language of the company.” Glasgow said his performance at the company was assessed based on how he was “touching, moving and inspiring” others, a phrase from the Landmark philosophy, as opposed to his business accomplishments at the company. The complaint claims that the actions of Miller and Growing Generations violated Federal, New York State and New York City civil rights laws.

The lawsuit filed in federal court in Washington, D.C. deals with a separate plaintiff and company, but the plaintiff in the suit also claims that religious discrimination took place for allegedly being mandated to attend Landmark Education courses. Kenneth Goldman is suing the United States Democratic political action committee Twenty-First Century Democrats (also 21st Century Democrats) and its former executive director Kelly Young. Goldman was formerly the communications director of 21st Century Democrats.

According to Goldman’s complaint, three employees of 21st Century Democrats were fired after refusing to attend the Landmark Forum course. The complaint asserts that Landmark Education has “religious characteristics and theological implications” which influenced the mission of 21st Century Democrats and the way the organization conducted business. Goldman’s complaint states that in addition to himself, a training director and field director were also fired after they made it clear they would not attend the Landmark Forum.

Goldman says executive director Young infused Landmark Education jargon terms into staff meetings such as “create possibilities”, “create a new context”, and “enroll in possibilities”. He also claims that Young “urged” staff members to participate in Landmark Education events outside of the workplace, drove employees to and from Landmark functions, and used funds from 21st Century Democrats to pay for employees to attend those functions. Goldman’s complaint asserts that he was discriminated against in violation of the District of Columbia Human Rights Act.

While we are not a party to this lawsuit and have no firsthand knowledge of it, we can only assume that we are being used as a legal and political football to further the plaintiff”s own financial interests.

In a statement in The Washington Times, the executive director of 21st Century Democrats, Mark Lotwis, called the lawsuit “frivolous” and said: “we’re going to defend our organization’s integrity”. Landmark Education spokeswoman Deborah Beroset said that the Landmark Forum “is in no way religious in nature and any claim to the contrary is simply absurd,” and stated: “While we are not a party to this lawsuit and have no firsthand knowledge of it, we can only assume that we are being used as a legal and political football to further the plaintiff”s own financial interests.”

The New York lawsuit was filed April 14, and is still in early filing stages. A conference with the federal court judge in the case has been scheduled for June 17. The Washington, D.C. suit began in November 2007, and entered mediation this past March. As of April 15 the parties in the case were due back to court on July 11 to update the court on the mediation process.

Landmark Education is descended from Erhard Seminars Training, also called “est”, which was founded by Werner Erhard. est began in 1971, and Erhard’s company Werner Erhard and Associates repackaged the course as “The Forum” in 1985. Associates of Erhard bought the license to his “technology” and incorporated Landmark Education in California in 1991.

This is not the first time employees have sued claiming mandatory attendance at “Forum” workshops violated their civil rights. In a lawsuit filed in December 1988 in the United States District Court for the Northern District of Georgia, eight employees of DeKalb Farmers Market in Decatur, Georgia sued their employer claiming their religious freedom and civil rights were violated when they were allegedly coerced into attending “Forum” training sessions. “Many of these training programs, particularly at large corporations, claim to be purely psychological, aimed at improving productivity and morale and loyalty. But in fact they are religious,” said University of Denver religious studies professor Carl Raschke in a statement to The Wall Street Journal.

The DeKalb Farmers Market employees were represented by lawyers for the American Civil Liberties Union. Consulting Technologies Inc., an affiliate of Transformational Technologies Inc., was named as a party in the lawsuit. Transformational Technologies was founded by Werner Erhard, and was not named as a party in the suit. The “Forum” course that the employees claimed they were mandated to attend was developed by Werner Erhard and Associates. Employees said that they were fired or pressured to quit after they objected to the Forum courses.

The workers claimed that the Forum course contradicted with their religious beliefs. The plaintiffs in the suit included adherents of varying religious backgrounds, including Christianity and Hinduism. “The sessions put people into a hibernating state. They ask for total loyalty. It’s like brainwashing,” said Dong Shik Kim, one of the plaintiffs in the case. The plaintiffs said they lost their jobs after objecting to a “new age quasi-religious cult” which they said was developed by Werner Erhard.

The DeKalb Farmers Market denied the allegations, and an attorney for the company Edward D. Buckley III told The Wall Street Journal that employees were encouraged, not coerced, to attend the training sessions. According to The Wall Street Journal, The Forum said it would not sanction workers being coerced to attend its training sessions.

The parties in the DeKalb Farmers Market religious discrimination case came to a settlement in May 1989, and the case was dismissed with prejudice in June. The terms of the out-of-court settlement were not made public, but the employees’ attorney Amy Totenberg told The Wall Street Journal that the case “has made employers come to grips with the legitimate boundaries of employee training”.

According to Title VII of the Civil Rights Act of 1964, employers must “reasonably accommodate” their employees’ religious beliefs unless this creates “undue hardship”. In September 1988, the Equal Employment Opportunity Commission issued a policy-guidance notice which stated that New Age courses should be handled under Title VII of the Act. According to the Commission, employers must provide “reasonable accommodation” if an employee challenges a training course, unless this causes “undue hardship” for the company.

In October 2006, Landmark Education took legal action against Google, YouTube, the Internet Archive and a website owner in Queensland, Australia in attempts to remove criticism of its products from the Internet. The company sought a subpoena under the Digital Millennium Copyright Act in an attempt to discover the identity of an anonymous critic who uploaded a 2004 French documentary of the Landmark Forum to the Internet. “Voyage au pays des nouveaux gourous” (Voyage to the Land of the New Gurus) was produced by Pièces à Conviction, a French investigative journalism news program. The Electronic Frontier Foundation represented the anonymous critic and the Internet Archive, and Landmark withdrew its subpoena in November 2006 in exchange for a promise from the anonymous critic not to repost the video.

Landmark Education itself has come under scrutiny for its controversial labor practices. The company has been investigated by the United States Department of Labor in separate investigations originating out of California, Colorado, and Texas. Investigations focused on the heavy reliance of unpaid labor in the company’s workforce, which Landmark Education calls “assistants” and deems volunteers.

An investigation by the U.S. Dept. Labor based out of Colorado found that activities performed by Landmark Education’s “assistants” include: “office, clerical, telephone solicitation and enrollment, as well as greeting customers, setting up chairs, handling microphones during the seminars and making coffee. Additionally, a number of volunteers actually teach the courses and provide testimonials during and after the courses.” The Colorado investigation’s 1996 report found that “No records are kept of any hours worked by any employees.” According to a 1998 article in Metro Silicon Valley: “In the end the Department of Labor dropped the issue, leaving Landmark trumpeting about its volunteers’ choice in the matter.” Metro Silicon Valley reported that Landmark Education at the time employed 451 paid staff, and also utilized the services of 7,500 volunteers.

After an investigation into Landmark Education’s labor practices by the U.S. Dept. Labor’s offices out of California, the company was deemed to have overtime violations. According to the Department of Labor’s 2004 report on the investigation, back wages of $187,569.01 were found due to 45 employees. An investigation by the U.S. Dept. Labor in Texas which concluded in 2005 stated: “Minimum wage violation found. Volunteers (Assistants) are not paid any wages for hours worked while performing the major duties of the firm. The assistants set up rooms, call registrants, collect fees, keep stats of classroom data/participants, file, they also are answering phones, training and leading seminars.”

The Texas investigation also discovered an overtime violation. Landmark Education agreed to pay back wages for the overtime violation, but did not comply with the overtime violation found by the U.S. Dept. Labor for the “assistants”. Landmark Education denied that the “assistants” are employees, though the Department of Labor report concluded: “Interviews reveal that the employees are taking payments, registering clients, billing, training, recruiting, setting up locations, cleaning, and other duties that would have to be performed by staff if the assistants did not perform them.”

According to the 2004 investigative report by Pièces à Conviction in the “Voyage au pays des nouveaux gourous” program, Landmark Education was investigated by the French government in 1995. In the “Voyage au pays des nouveaux gourous” program volunteers were filmed through a hidden camera and shown performing duties for Landmark Education in France including manning phones, recruitment and financial work for the company, and one volunteer was shown cleaning a toilet.

Le Nouvel Observateur reported that after “Voyage au pays des nouveaux gourous” aired in France, labor inspectors investigated Landmark Education’s use of unpaid volunteers. According to Le Nouvel Observateur, one month after the labor investigation took place the French branch of the company had disbanded. A former “Introduction Leader” to the Landmark Forum, Lars Bergwik, has recently posted a series of videos to YouTube critical of the company and its practices. Bergwik appeared on a 2004 investigative journalism program on Sweden’s Channel 4, Kalla Fakta (Cold Facts). According to Bergwik, after the Kalla Fakta program on Landmark Education aired, “Landmark left Sweden”.

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St Louis Mortgage: Loan Modification Not Nearly As Lucrative As A Foreclosure

By Floyd J. Tapia

Millions of dollars have been enjoyed by numerous companies for simply approving home sales for less than the owed balance. This is also known as a type of short sale.

The United States Treasury department has been paying $1500 for each loan file that is modified. These companies also handle the collection of mortgage payments and requests for assistance.

These companies or servicers can also get $1,000 for each loan modification completion under the government’s modification program and additional stipends over a period of three years if borrowers stay current on their new mortgage payments.

But the problem has become that there will not be enough time nor man power to save the millions of homes where loan payments are in arrears more than 90 days nor do St Louis finance professionals feel there are enough incentives to accomplish this task.

The payouts provided by the Obama administration’s bailout programs don’t come close to what servicers will earn by choosing to foreclose instead.

In fact, “the incentives being offered by the government are small compared to the counter-incentive of foreclosure” so says chief economist Diane Swonk from Mesirow Financial.

Many feel that since the lending industry has its own set of incentives, you can’t tell people to do something that’s not in their best financial interest, especially in an market that is still struggling.

[youtube]http://www.youtube.com/watch?v=ucprm6PNKws[/youtube]

Now it seems, according to Swonk, that free enterprise even in a downturn economy such as ours can rightfully advocate greed over doing what is morally right and in the best interest of the St Louis mortgage owner.

And yes, this has become a double-edged sword so to say. The second quarter of 2009 showed that modified homeowners has missed at least one loan payment as reported by the Office of the Comptroller of the Currency and the Office of Thrift Supervision.

The statistics go on to show that a total of twenty-four percent of St Louis home loans modified in that same period were 90 days or more overdue.

Some now say that loan modifications do not work while others insist that we need more time to see how this plan unfolds before throwing in the proverbial towel.

Marie McDonnell, owner of Truth in Lending Auditing & Recovery Services in Orleans, Massachusetts suggests that these servicers are not really losing money when a re-default occurs.

If the homeowner fails to meet the terms of their new loan modification and the property isn’t approved for a short sale under the HAFA program, then servicers can proceed with a foreclosure and recoup all their money when the property is sold.

And since there is more money to be made with a foreclosed property, the majority of servicers will go the as many say the immoral route and not help save the homeowner’s property.

Once a loan is 90 days or more overdue, servicers can charge processing and foreclosure fees along with markups for attorneys, appraisers and other associated services.

Keep in mind this does not include any and all monthly late fees that can run as high as 5 percent of the mortgage payment.

Let’s talk about numbers for a moment. A $195,000 home going into foreclosure could bring approximately $11,000 in income for these servicers.

Rumors have it that on the average, servicers can easily make 10 times the amount more than any of the government stipends being offered by simply foreclosing on the house.

The sad thing is mortgage investors will take a loss from a foreclosure or a short sale, but not the servicers. As mentioned earlier, they get paid regardless because they are first in line to be paid from the proceeds of the home sale.

This unfortunate situation was only made worse when politicians rejected new legislation designed to allow bankruptcy judges to reduce mortgage balances and interest rates to help such homeowners.

The provisions know as the ‘cram-down’ law would have allowed judicial modified loans which in essence would have given better terms to the consumer to make it easier to continue with their mortgage payment.

This new legislation would have prevented servicers from using greed and financial gain in deciding who gets a loan modification and who goes into foreclosure. One has to stop and think was there any real hope for stopping this mortgage crisis in the first place.

About the Author: When a consumer wants to know more about a St Louis mortgage home loan, they visit Floyd J. Tapia’s site at http://www.LibertyLendingConsultants.com/St-Louis-Commercial-Loans for a business or commercial refinancing loan. And to choose the best St Louis refinancing loan, you can also give Floyd a call at 314-334-0210 or 877-334-0210.

Source: isnare.com

Permanent Link: isnare.com/?aid=681525&ca=Finances

Collision of Challenger-60 and Boeing-757 prevented in Moscow sky

Sunday, June 17, 2007

On June 13 air traffic controllers in Moscow prevented what ultimately became a near-miss from becoming a serious midair collision. The incident occurred when a Bombardier Challenger 60 business jet violated controllers’ instructions and flew into the path of a Boeing 757.

According to an official release, the Challenger had been instructed several times to ascend to no higher than 1,800 metres. However, the light jet proceeded to a height of 2,070 metres without authorisation, taking it into the path of a 757 which was approaching nearby Vnukovo International Airport.

The two aircraft came close enough that the Traffic Collision Avoidance System on board the Boeing was activated and provided an audible alert to the crew. Meanwhile, air traffic control noticed the emergency and guided the two planes away from each other.

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Category:June 10, 2010

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