By Sean A. Kelly

Credit card debt is a rising problem in America and many consumers are seeking for the perfect credit card debt program settlement. There are also other ways to deal with your rising debt problems such as debt consolidation and credit counseling. With debt consolidation, you can take up a home equity loan to pay up all your debts and then you only pay the loan. As for credit counseling, you can seek help on how to plan your budget and work out a schedule to slowly and steadily pay up all your debts.

Sometimes situations make it impossible for you to pay all your debts in full, even over a period of time. Perhaps you lost your job or you had an expensive medical emergency or there is a pro-longed illness or even death in your family. Whatever the reasons, unforeseen circumstances may be preventing you from recovering your financial standing and making it highly impossible for you to settle your debts fully on your own. Well, rather than face bankruptcy or foreclosure, debt settlement is another avenue you could choose. That’s because bankruptcy will ruin your credit score for up to 10 years and you do not want to lose your home too.

[youtube]http://www.youtube.com/watch?v=mgtfxDyxne0[/youtube]

So, this is how debt settlement programs work. You can try to do it yourself by negotiating with the credit card company for a settlement. But if you are unsure of how to negotiate with the credit card company since it is a tedious process which could drag on for months up to years, then you should probably hire a professional debt settlement service to handle the negotiations and paperwork for you. Sometimes, the credit card companies may agree to settlements as high as 80% of the balance or as low as 20% of the debt balance.

By taking up debt settlement, it will definitely affect your credit rating because your creditors will report your account as ‘settled for less than the full balance’. So, you have to be very sure about exhausting other credit card debt settlement alternative before taking this path. Besides this, you may even have to pay higher taxes as it is a requirement that all settlements over $600 be reported as income so you could be taxed on the amount of debt that you didn’t pay. Also, your creditors will not be open to negotiation and insist that you seek other ways to settle the debt in full like debt consolidation or credit counseling.

You only choose to go for debt settlement if you are on the verge of bankruptcy with several debts in delinquency. In short, if you are one step away from bankruptcy, are behind in payments and facing collection and foreclosure, only then you can consider this option. Otherwise, there are other options available. You can always cash out the equity of your home, increase your income and cut down expenses to make the monthly repayment, change your spending habits or take up debt consolidation.

You should also seek credit card debt settlement advice and whether it is the only option, other than bankruptcy, that you could take. Do remember that it is usually better to work on your finances and resolve the root problem, which is your spending, that first caused the debt problem. You can learn to change your spending habits, do some serious budgeting, stop using your credit cards and map out a debt repayment plan. You need to stop depending on credit cards so that you will not end up in deep debt again a few years down the road.

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Sunday, January 10, 2010

Chinese officials have said that their country’s exports surged last December to edge out Germany as the world’s biggest exporter.

The official Xinhua news agency reported today that figures from the General Administration for Customs showed that exports jumped 17.7% in December from a year earlier. Over the whole of 2009 total Chinese exports reached US$1.2 trillion, above Germany’s forecast $1.17 trillion.

Huang Guohua, a statistics official with the customs administration, said the December exports rebound was an important turning point for China’s export sector. He commented that the jump was an indication that exporters have emerged from their downslide.

“We can say that China’s export enterprises have completely emerged from their all-time low in exports,” he said.

However, although China overtook Germany in exports, China’s total foreign trade — both exports and imports — fell 13.9% last year.

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Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

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Friday, January 12, 2007

Erbil province in northern Iraq

The U.S. armed forces detained five Iranians working at a “liaison office” located in Erbil, Iraq before dawn on Friday. Sources said that the U.S. forces first landed their helicopters around the building, then broke through the office’s gate, disarmed the guards, confiscated some documents and certain objects, arrested five suspected terrorists, and then left for an undisclosed location.

However, there was no raid on the Iranian Consulate General as earlier reported. Pentagon spokesman Bryan Whitman told Agence France-Presse that the building raided was “not a consulate or a government building”, which appears to be confirmed by the Iraqi foreign minister, Hoshyar Zebari, who said the Iranians were working at an office that had government approval and was in the process of being approved as a consulate, but was not a Consulate nor the Iranian Consulate General. The US is strategically insisting that they raided a “liaison office” instead of a Consulate to avoid being found in violation of Article 36 of the Vienna Convention on Consular Relations.

Russian Ministry of Foreign Affairs Mikhail Kamynin said that the raid was absolutely unacceptable and was a violation of the Vienna Convention on Consular Relations. The Kurdistan Regional Government also expressed their shock and disapproval of the raid.

On Thursday’s hearing on Iraq, Senator Joseph Biden (D-Delware), chairman of the Senate Foreign Relations Committee, told Secretary of State Condoleezza Rice that the Bush Administration did not have the authority to send U.S. troops on cross-border raids. Biden said, “I believe the present authorization granted the president to use force in Iraq does not cover that, and he does need congressional authority to do that. I just want to set that marker.” After the meeting, Biden sent a follow-up letter to the White House asking for an explanation from the Bush Administration on the matter.

On Thursday morning, Iran’s foreign ministry official sent a letter to Iraq’s foreign ministry asking Iraq to stop the Bush Administration from interfering with Iraq-Iran relations, and has protested the raid on its liaison office. The official said, “We expect the Iraqi government to take immediate measures to set the aforesaid individuals free and to condemn the U.S. troopers for the measure. Following up on the case and releasing the arrestees is a responsibility of primarily the Iraqi government and then the local government and officials of the Iraqi Kurdistan.”

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Saturday, April 9, 2005

TTC Streetcar

The Toronto Transit Commission is expected to strike Monday. The TTC workers union, the Amalgamated Transit Union Local 113, rejected a deal offered by TTC management. They last went on strike in 1999. The average daily ridership exceeds 1.3 million passengers.

The city of Toronto has prepared to help deal with the forecasted traffic congestion by opening up free parking for car-pools at 14 city-owned community centres, banning parking on some city streets, and opening up some bus-only lanes to car-pools.

The initial deal, which was rejected, offered a 2% wage increase over five years. With a huge turnout the union-members voted against accepting the offer with a 99% majority according to a press release by the union. The union rejected the latest offer Friday reported to be a three-year contract with raises of 2.75 percent in the first year, three percent in the second and 3.25 percent in the third.

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Monday, February 25, 2008

Since the 2008 Taipei International Book Exhibition, which ended recently, made several significant differences this year, the arrangements of Comic Hall (TWTC Hall 2, a.k.a Comic Pavilion) showcased its differences with “different style reading style” and “growth of reading population”.

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Thursday, March 13, 2008

Family First Senator Steve Fielding arrived at Parliament today, dressed as a beer bottle to raise awareness of a bill he intends to move in the Senate today. Senator Fielding will introduce a bill to establish a nationwide refund scheme for bottles and cans.

A similar scheme has operated in South Australia since 1977.

Family First wants a rebate of 10 cents per container, while the Australian Greens want 20 cents.

Speaking to reporters outside parliament dressed as a beer bottle, the Senator said the legislation would reduce litter by 25 per cent. “There’s a message in this bottle.”

“I am no longer trash, I’m cash.”

“We should get the litter off the streets and off the creeks and into recycling – that’s good for the environment and good for the community”

“It’s a win-win and I can’t understand why nationally we don’t have a scheme,” said Senator Fielding.

Senator Fielding said that recycling not only reduced litter, but also consumes less energy than making new containers from scratch. “Recycling a plastic bottle saves more than 80 per cent of the energy used to make a bottle from scratch and recycling aluminium cans uses just five per cent of the energy used making a can from scratch,” said the Senator.

Senator Bob Brown, leader of the Greens said while there were environmental benefits from recycling, it would also create thousands of new jobs.

“This is a very good way of recycling and reducing energy because a lot of energy goes into making cans and bottles,” Senator Brown told reporters.

“It will employ tens of thousands of people across Australia.”

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Wednesday, April 6, 2005A landmark study comparing effectiveness in reducing major depression of two forms of initial treatment — cognitive therapy which involves discussing thought processes with a qualified counselor, vs medication — has revealed that both forms of therapy reduce depression, but that the benefits of cognitive therapy last longer than those of medication. The study finding contradicts current treatment guidelines of the American Psychiatric Association (APA).

The 16-week study, by researchers at the University of Pennsylvania and Vanderbilt University, was the largest trial yet undertaken to resolve the years-old debate. Two-hundred-and-forty patients with moderate-to-severe depression were given one or other of the treatments, or a purposely-ineffective placebo. Study representatives described the two treatments about equally effective — both much more effective than the placebo — but with the positive effect of talk-therapy lasting longer.

In fact, the cognitive therapy group saw only as many relapses as a another group that had continued to receive drug therapy.

“We believe that cognitive therapy might have more lasting effects because it equips patients with the tools they need to learn how to manage their problems and emotions,” said Robert DeRubeis, professor and chair of Penn’s Department of Psychology. “Pharmaceuticals, while effective, offer no long term cure for the symptoms of depression. For many people, cognitive therapy might prove to be the preferred form of treatment.”

“Medication is often an appropriate treatment, but drugs have drawbacks, such as side effects or a diminished efficacy over time,” DeRubeis said. “Patients with depression are often overwhelmed by other factors in their life that pills simply cannot solve. In many cases, cognitive therapy succeeds because it teaches the skills that help people cope.”

Researchers pointed out that while the effectiveness of cognitive therapy depended largely on the experience of the practitioner, the same was true of medication, due to the judgement required in prescribing correct dosages of drugs.

The APA declined to comment, on the basis that a quote appearing on Wikinews could be distorted by subsequent edits of the article.

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Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

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Monday, June 11, 2007

Space Shuttle Atlantis docked with the International Space Station yesterday, and astronauts James Reilly and Danny Olivas were planning their first spacewalk today.

The shuttle docked at 3:36 p.m. EDT (1736 UTC) yesterday, doing an end-over-end flip over South America to let the International Space Station crew photograph the shuttle’s heat shield. Called the “Rotational Pitch Maneuver”, the move is now routine.

In today’s spacewalk, scheduled for 17:53 UTC today, Reilly and Olivas, with the help of a giant robotic arm, will install a new set of solar panels to the station.

After lift-off on Friday from Kennedy Space Center, Atlantis suffered a triangular four-inch by six-inch (10 centimeter by 15 centimeter) tear on a thermal blanket that protects the left side maneuvering rocket pod. Also, small pieces of foam broke off from its external fuel tanks.

Mission chairman John Shannon said he was “leaning toward” ordering another spacewalk so that the tear in the blanket could be repaired.

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