Govt Insured Program For Senior Home owners

Reverse mortgages are an progressively preferred way for seniors to dwell off the equity from their residences and cease creating mortgage payments. This government application for seniors is assisting them give a method to combat the slowing financial system. This federal government application was developed from the Division of Housing and concrete Advancement (HUD) in [...]

The post Govt Insured Program For Senior Home owners appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/27/govt-insured-program-for-senior-home-owners/

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Jill Kelley Sends Furious Email To Tampa Mayor: I Can't Believe What My City Has Done To Me And My Innocent Family

jill kelley

Jill Kelley, the Tampa socialite who reported anonymous emails from former CIA director David Petraeus' mistress Paula Broadwell to the FBI, rubs elbows with a lot of important people.

On Wednesday, she emailed one of those powerful friends: Tampa mayor Bob Buckhorn.

"As you see on TV, my name ... and home have been exploited by the media," Kelley wrote in an email, recently released by Mayor Buckhorn.

"I wouldn't care — if they got the facts right and the focus was on the criminal that stalked all of us. But the truth will one day prevail," she wrote, in apparent reference to Broadwell.

"To put insult to injury, your police dept gave the local 911 tapes to the press!" she complained. In the state of Florida, 911 tapes are public record.

"I'm scared and cannot believe what my city — in which I have contributed so much of my love, time, money and leadership, has now done to me and my innocent family."

Here's the full email:

jill kelley email

NOW SEE: In Her First Anonymous Email, Petraeus' Mistress Told Jill Kelley To Stop Socializing With Other Generals >

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The 15 Most Fascinating Accidental Inventions

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Most inventors strive for weeks, months, or years to perfect their products. (Thomas Edison tried thousands of different light bulb filaments before arriving at the ideal mixture of tungsten.)

But sometimes, brilliance strikes by accident.

Here's a salute to the scientists, chefs, and everyday folk who stumbled upon greatness—and, more important, shared their mistakes with the world.

Let's roll through the 15 best accidental inventions.

15. The Potato Chip

The first potato chips were meant as an insult.

Hotel chef George Crum enjoyed a wonderful knack for cooking. From his kitchen at Moon's Lake House near Saratoga Springs, N.Y., Mr. Crum could "take anything edible and transform it into a dish fit for a king." That skill came in handy—the upscale Lake House attracted customers who were used to being treated like kings.

In 1853, a cranky guest complained about Crum's fried potatoes. They were too thick, he said. Too soggy and bland. The patron demanded a new batch.

Crum did not take this well. He decided to play a trick on the diner. The chef sliced a potato paper-thin, fried it until a fork could shatter the thing, and then purposefully over-salted his new creation. The persnickety guest will hate this, he thought. But the plan backfired. The guy loved it! He ordered a second serving.

Word of this new snack spread quickly. "Saratoga Chips" became a hit across New England, and Crum went on to open his own restaurant. Today, that accidental invention has ballooned into a massive snack industry.

14. X-Rays

In the late 1800s, the world became a seemingly magical place. Scientists discovered radiation, radio waves, and other invisible forces of nature. For a while there, many serious researchers joined seances and believed in ghosts. Science had discovered so many mysterious phenomena – things that the eye could not see but were definitely there – that many people wondered, what else might be out there?

German physicist Wilhelm Röntgen discovered one of these invisible powers by accident. 

Röntgen experimented with cathode-ray tubes, basically glass tubes with the air sucked out and a special gas pumped in. They work kinda like modern-day fluorescent light bulbs. When Röntgen ran electricity through the gas, the tube would glow. But something strange happened after he surrounded the tube with black cardboard. When he turned on the machine, a chemical a few feet away started to glow. The cardboard should have prevented any light from escaping, so what caused this distant glow? 

Little did he know that the cathode-ray tube had been sending out more than just light. It shot out invisible rays that could pass right through paper, wood, and even skin. The lab chemical that lit up – the one that tipped off Röntgen – reacted to these rays. He called the phenomenon X-rays. The X stood for "unknown."  

Röntgen went on to capture the first X-ray images, including a shot of his wife's hand (pictured, above). Upon seeing this skeletal image, she exclaimed, "I have seen my own death!"

13. Saccharin

Saccharin came as a sweet surprise—and a scary one.

Before Sweet’N Low and diet sodas, there was a plucky researcher studying something completely different: coal tar. 

In the 1870s, Russian chemist Constantin Fahlberg worked in the lab of Ira Remsen at Johns Hopkins University. Remsen's team experimented with coal-tar derivates, seeing how they react to phosphorus, chloride, ammonia, and other chemicals. (Not exactly the most appetizing profession.)

One night, Fahlberg returned home and started to chow down on dinner rolls. Something was off. The rolls tasted curiously sweet. The recipe hadn't changed, so what was going on here? He soon realized that it wasn't the rolls. It was him. His hands were covered with a mystery chemical that made everything sweet.

"Fahlberg had literally brought his work home with him, having spilled an experimental compound over his hands earlier that day," writes the Chemical Heritage Foundation in its history of saccharin. "He ran back to Remsen’s laboratory, where he tasted everything on his worktable—all the vials, beakers, and dishes he used for his experiments. Finally he found the source: an overboiled beaker."

Fahlberg had actually created saccharin before, but since he never bothered to taste-test his concoctions, the chemist had no idea. In fact, a modern chemist probably would have never discovered saccharin. Nowadays, people thoroughly wash their hands before leaving the lab. If Fahlberg had followed the normal rules of cleanliness, the world would be without this zero-calorie artificial sweetener.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/UCd-6sYKv_s/15-awesome-accidental-inventions-2012-11

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Everything You Need to Know About the iPad Mini

When the iPad Mini was first announced, some investors were skeptical. "Oh, great," they thought, "Apple (Nasdaq: AAPL  ) is bringing out a 7-inch tablet just because Amazon.com (Nasdaq: AMZN  ) and Google (Nasdaq: GOOG  ) both have one. Will it even be any good compared with these companies' products that are already established in that space?"

But it's more than good. In this segment, Motley Fool analyst Eric Bleeker tells us why he sees the iPad Mini not only as the best 7-inch tablet on the market right now, but also as the best tablet, period. He takes us through why he thinks it will far outpace the larger iPad in the next few years, and why investors should see the premium price of the iPad Mini as a blessing, not a curse.

The release of the iPad Mini has been huge for Apple, but it's not the company's only blockbuster release. The introduction of the iPhone 5 was hotly anticipated by Apple investors for months. The stakes continue to be high and the opportunity huge, so to help investors understand this epic Apple event, we've released an exclusive update dedicated to the iPhone 5 launch. By picking up a copy of our premium research report on Apple, you'll learn everything you need to know about the launch, and receive ongoing guidance as key news hits. Claim your copy today by clicking here now.

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Source: http://www.fool.com/investing/general/2012/11/17/everything-you-need-to-know-about-the-ipad-mini.aspx

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PHOTOS: Giant Basketball Players Making Normal People Look Like Ants

shaquille oneal

We all remember this picture of Shaq with his wife Hoopz. He looks huge.

But Shaq isn't even the tallest basketball player out there.

On the court, NBA players don't look that big, but put them with the regular people and they look like giants.

Manute Bol was 7'7"

Gheorghe Muresan is 7'7"

Yao Ming is 7'6"

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Source: http://feedproxy.google.com/~r/businessinsider/~3/SFzyWFVI6Fk/photos-giant-basketball-players-making-normal-people-look-like-ants-2012-11

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IKEA, Where 50% Off Is Really Just An Approximation

Consumerist reader Brad was looking at IKEA’s Black Friday mailer that went out this week and noticed that something just was just a bit off about the math on this deal on soft toys.

The error is continued on the back page of the mailer (see below), so at least IKEA is consistent about the inaccuracy.


[More]

Source: http://consumerist.com/2012/11/16/ikea-where-50-off-is-really-just-an-approximation/

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DC's Massive New Highway Experiment Opens For Traffic

495 Express

Early Saturday morning, the Virginia Department of Transportation will open 14 freshly paved miles of highway on the I-495 Washington Beltway unlike anything drivers in the area have ever seen. The road-widening project has been a decade in the making. And it will constitute, VDOT Secretary Sean T. Connaughton boasted earlier this week, “a high-tech wonder,” the latest and one of the country’s largest attempts at a new generation of highway infrastructure – and a new model of paying for it – that could turn up in cities far from the capital.

The expanded roadway – two lanes in each direction, from the I-95 interchange to Tysons Corner – will be made of High-Occupancy Tolls, or HOT lanes. Carpools of three or more, buses and motorcycles (but not hybrids) can drive them for free. Anyone else who wants in will have to pony up according to a dynamic pricing scheme, and there’s no limit to what that could cost.

The $2 billion system was built in a public-private partnership between the state and Fluor Transurban, an engineering and construction conglomerate. Virginia put up about $400 million. The private firms paid for the rest (with the help of a hefty federal loan) in exchange for the right to collect the toll fees for the next 75 years.

Fluor Transurban is guaranteeing a minimum speed on the HOT lanes of 45 miles an hour. That means the toll price will vary according to demand to maintain the steady flow of traffic. The companies estimate that the average ride will cost between $3 and $6 (tolls will be in effect at all hours of the day, not just during rush hour). But there’s no ceiling to what the system may charge drivers to achieve that goal, if it turns out everyone heading to Tysons Corner is willing to pay a ton of money to get there.

The whole concept has been touted by the state and its private partners as a novel solution to pay for infrastructure, to incentivize carpooling, and to cut down on congestion on the Beltway even for cars traveling in the old-timey lanes.

But the model also invites some uneasy questions: If this infrastructure is now managed by private companies, will their interests always align with the public good? Fluor Transurban, for instance, stands to lose money with every carpool that enters the lanes for free. And isn't there something ethically dubious about enabling drivers who’ve got the money to pay for faster commutes, while low-income commuters continue to pay for transportation with their time?

These toll lanes will offer the equivalent of driving in first class. But some public money did go into providing that premium experience, and the lanes will be patrolled by publicly funded state police.

For transportation engineers, the project poses just as many logistical questions as philosophical ones. Will people really use this system the way Fluor Transurban expects them to? How much will they be willing to pay? And how long will it take drivers to catch on to the new infrastructure? The technology itself is so complex the Washington Post even published a user’s guide for its readers (no, the price of the toll won’t change on you while you’re driving; yes, you will be caught – and pursued by collectors – if you try to beat the system).

Everyone but the motorcyclists must obtain a kind of E-ZPass transponder. Carpools require a special one that toggles between an empty-car setting (pay the toll) and an HOV one that passes into the system for free. This means ad-hoc carpools without the right technology will be out of luck.

Virginia, already convinced the whole idea is a good one, has signed a new contract with the same companies to expand HOT lanes onto I-95 south of the city, where carpools and buses today enjoy a remarkably smooth ride in HOV lanes that they will soon have to share with paying vehicles. This may be good for cash-flush single-occupancy drivers but bad for them. As for whether (or how much) this concept will benefit the whole area on balance – that will take some time to learn. In the meantime, Saturday morning offers an excellent chance to witness thousands of puzzled drivers encountering the high-tech highway of the future for the very first time.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/Y2oaOMARXSQ/dcs-massive-new-transportation-experiment-opens-today-2012-11

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Sherwin-Williams Good For Another Coat

Investors who expect continued upside in SHW could consider buying the in-the-money March 140 calls, last asked at $15.20. More conservative traders could leg into a call spread by selling the March 160 call for $4.50. This would lower the premium paid to $10.70, thereby reducing risk, but would also cap gains at the 160 strike, which is about 6.6% away.

Source: http://www.forbes.com/sites/greatspeculations/2012/11/16/sherwin-williams-good-for-another-coat/

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