Advantage Of The Halifax Equity Release Scheme?

Submitted by: Mable William

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

[youtube]http://www.youtube.com/watch?v=FMvTa-JvE0I[/youtube]

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

About the Author: Retirement Solutions is an indpendent financial adviser and specialist in equity release. We can also advise you on the Halifax equity release plan. Visit

retirementsolutions.co.uk/halifax-retirement-home-plan-mortgage

.

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New Jersey backpedals on proposed bikini waxing ban

Saturday, March 21, 2009

New Jersey has reversed its plans for a state-wide ban on bikini waxing after salon owners from across the state spoke out against the proposal.

The New Jersey Board of Cosmetology and Hairstyling planned to consider a ban on so-called “Brazilian waxes” in response to two women who reported being injured during a wax.

But state Consumer Affairs Director David Szuchman, who oversees the board, asked them to abandon the ban in favor of reviewing and establishing safeguards for those who provide the service.

“Many commentators have noted that the procedure could be safely performed,” Szuchman wrote in a letter to state board President Ronald Jerome Brown, according to the Asbury Park Press. “I, therefore, believe that there are alternative means to address any public health issues identified by the board.

Salon owners from across the state expressed relief with Szuchman’s decision.

“It was an unnecessary issue,” spa owner Linda Orsuto told the Associated Press. “In New Jersey especially, where the government has been picking our pockets for so long, it was like, ‘Just stay out of our pants, will you?'”

Although millions of Americans get bikini waxes, which generally cost between $50 and $60 per session, the practice comes with risks. Skin care experts say the hot wax can irritate delicate skin in the bikini area, and result in infections, ingrown hairs and rashes.

Waxing on the face, neck, abdomen, legs and arms are permitted in New Jersey. Although state statutes have always banned bikini waxing, the laws are seldom enforced because the wording is unclear.

If the measure had passed, New Jersey might have become the only US state to ban the practice outright.

Although Szuchman’s letter was crafted more as a recommendation than an order, media reports said the ban would likely never be approved without his support because his office oversees the board.

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Mystery surrounds ricin discovery in Las Vegas hotel

Saturday, March 1, 2008

On February 14, a man staying at the Valley View Extended Stay America hotel in Las Vegas, Nevada was hospitalized after experiencing respiratory distress. The man lapsed into unconsciousness and has been at the hospital ever since.

Since the bills at the hotel were going unpaid, Extended Stay America began to evict the man from the room. Another man, described as either a friend or relative, went to the hotel on Thursday to collect the personal belongings of the hospitalized man.

According to Las Vegas Metropolitan Police Department Deputy Chief Kathy Suey, he found several vials of a white substance. He brought them to the attention of the hotel manager, who called police.

Initial tests, which further tests confirmed on Friday, the substance was the deadly toxin ricin, an extremely dangerous biological agent. Ricin is extracted from castor beans through the waste produced in the manufacture of castor oil. It is currently being used in cancer treatment research. There has been research for its use as a chemical/biological warfare agent. An amount smaller than the point of a pin will kill a human being. It is estimated to be several thousand times more toxic than cyanide and there is no known antidote.

Police cordoned off the area around Valley View between Flamingo Road and Harmon Avenue. Three employees and the man who made the discovery were taken to the hospital as a precaution. So were three police officers. They are all reported to show no signs of poisoning.

Nevada National Guard and other emergency services responded to secure the area. Residents at the Extended Stay America were allowed back into the building late Thursday. The hotel reopened fully on Friday after the room and other areas of the hotel were decontaminated.

The man whose room it was “is in critical condition and he is unable to speak with us right now. We have no indication why the ricin was in that room,” said Deputy Chief Suey.

“Usually, if [ricin victims] survive the first three to five days, they usually do fine,” Dr. Lawrence Sands told CNN. However, survivors often have long-term organ damage.

At least three pets were found in the room. “Two of those pets are fine. One of the pets is deceased or was put down,” Suey said. “The dog that was in there was without food and water for a week,” she added that there was no reason to supect it was exposed to ricin. Castor beans were also found in the room.

Officials have also recovered from the room a firearm, as well as an “anarchist” text containing an article on ricin.

Federal Bureau of Investigation spokesperson Richard Kolko said the incident is being treated as a criminal matter and did not appear to be related to terrorism “based on the information gathered so far.”

Captain Joe Lombardo of the Las Vegas Metropolitan Police Department said that ricin is not illegal to own unless it is intended for the poisoning of a person, adding that “We did have enough ricin to be of concern.”

In 2003, a man committed suicide in Las Vegas using ricin. There have also been a few incidents where ricin powder was found in the mail. Also in 2003, the United Kingdom had the Wood Green ricin plot which in the end found no ricin.

In 1978, Bulgarian defector Georgi Markov was famously assassinated in London with ricin injected with the tip of an umbrella.

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Denny’s Super Bowl free ‘Grand Slam Breakfast’ brings 2 million diners

Friday, February 6, 2009

Denny’s 1,600 chain restaurants across North America, Puerto Rico and Canada, were slammed for eight hours Tuesday with hungry patrons standing on sidewalks for nearly two hours to take advantage of the $5.99 “Grand Slam Breakfast” giveaway.

Denny’s, a dining chain with annual revenue of about $900 million, has advertised in a TV commercial Sunday during the Super Bowl XLIII that it would give away its signature breakfast from 6 a.m. until 2 p.m. local time Tuesday, at all its restaurants in the U.S., Canada and Puerto Rico, while supplies lasted.

Denny’s Diner has promoted the iconic dish giveaway heavily, with a bold 30-second appeal ad that aired during the third quarter of the Super Bowl 43 on Sunday, plus another 15-second ad during the post-game show, offering a free breakfast to some 90 million viewers. In addition, it has placed a full-page ad in USA Today‘s Monday edition. The promotion was further announced on The Today Show and notices were also sent out to the chain’s “Denny’s Breakfast Club” members.

The NBC ad, which was bought to unveil a new promotion for customers squeezed by the recession, may have cost as much as $3 million, said Nelson Marchioli, CEO of Denny’s Corp. Super Bowl XLIII’s 30-second commercial time slot costs $2.4 million–$3 million for the airtime alone, excluding production and talent costs.

The game was televised live by the US NBC Sunday Night Football and Canada’s CTV Television Network. BayTSP has reported that, “as of 10 a.m. Wednesday, commercials that initially aired during NBC’s Super Bowl XLIII broadcast subsequently had been watched online more than 28 million times.”

“The promotion has a total cost of $5 million U.S., which includes $3 million for the commercial on NBC,” said a Denny’s spokesman, noting also that the company received about $50 million in news coverage, most of which was positive. According to a Denny’s representative, two million people walked through the restaurant chains’ doors Tuesday, and each Denny’s restaurant served an average of 130 Grand Slams per hour.

With the “Denny’s Feeds America” promotion, the company has reported 14 million hits on its Web site between Sunday night and Monday morning. Denny’s shares rose 6 cents, or 3.1 percent, to $1.98 in afternoon trading. The stock has traded in a range of $1.18 to $4.10 over the past 52 weeks.

“Denny’s free Grand Slam” has ranked in the top 10 Google searches early Tuesday and fell to No. 18 by the end of the promotion, while “denny s locations” was #9 on Google Trends, which tracks fast-rising searches. It has also held spots No. 1 (Denny’s) and 7 (Grand Slam) on Twitter‘s trending topics. It has generated much chat on Twitter, garnering 1,700 tweets on Tuesday, compared with its average of 59. Doritos, winner of the USA TODAY survey for best Super Bowl spot ad, had 933 mentions after reaching a peak of almost 3,300.

The idea of the TV ad was to get people to come in and re-evaluate Denny’s Diner. “A lot of people have forgotten what Denny’s is, or they think they know, while we’ve come out with a whole lot of new products. We felt like we needed to jump start the brand,” Denny’s Chief Marketing and Innovation Officer Mark Chmiel said.

“We’re celebrating the Grand Slam this year,” Chmiel said. According to the company’s financial data, on January 15 Denny’s reported systemwide comparable-store sales for the fourth quarter were down 6.1 percent, compared to a 0.2 percent decline from the same period in 2007.

According to Robert Gonzalez, public relations company Hill & Knowlton spokesman, Denny’s has expected at least 2 million people to eat a free Grand Slam by the end of the promotion. “Every restaurant is packed with people and lines,” Gonzalez said. “Everything today is about fast. People are on the go, and they’re eating fast food. It’s cutting into sit-down dining,” he added.

“Each of the more than 1,500 Denny’s were planning to make about 100 Grand Slams an hour,” Denny’s spokeswoman Cori Rice said. It had predicted it will have served about 1,400 people per location, more than five times the normal volume. “Grand Slam Breakfast” is a four-item option on its menu, consisting of two pancakes, two eggs, two strips of bacon and two sausage links. It weighs in at 44 grams of fat, 56 carbohydrates and 770 calories.

Nationwide, Denny’s expected to sell about 2 million Grand Slams — about 15 percent of the annual tally. According to Mark Chmiel, chief marketing operator and executive vice president, the diner chain has reported approximately 2 million meals worth more than $12 million were given away nationwide and each Denny’s restaurant served an average of 130 Grand Slams per hour. It estimated it has earned about $50 million worth of public relations following the free Grand Slam campaign, Chmiel said.

The company is also experimenting with a Grand Slam Burrito and also has introduced for this year, a Grand Slamwich, which includes eggs, bacon, sausage and cheese between two slices of bread, with a teaspoon serving. “It already has shown strong consumer appeal,” said Chmiel. The company has received flood of e-mails and letters proving the positive impact of the Grand Slam campaign and commercials on its customers.

Chmiel also announced he’s planning a third major promotion in this year’s third quarter, which happens to include another major sporting event, the World Series. “That’s one we’re definitely looking at,” he said.

Jobless Paris Winslow of downtown San Francisco, California has joined the long line which stretched from the front door on Mission Street, between Fourth and Fifth streets, to the corner of Fourth and up the block. “The economy is getting kind of scary. This line looks like those pictures of soup kitchen lines during the 1929 Great Depression,” Winslow said.

“I came all the way from San Francisco for a free $6 meal, Isn’t that pathetic? A year ago, I never would have done this. These days I’m willing to put my ego on the back burner,” said Stephen Weller, a jobless contractor who waited with his dog, Emmett. California Denny’s restaurant managers have issued rain checks (for free chilled meals, as security backed by actual bacon) to anyone who failed to get in by the 2 p.m. deadline.

A big eater could also “Slam It Up” by adding any two additional items for 99 cents each to their meal. Customers on Tuesday were also handed “bounceback” coupon books that include offers for additional free menu items with purchases. Chicago Tribune reporter Kevin Pang has eaten five free Grand Slams on Tuesday at five different Denny’s Diners in four hours. He claims to have consumed 4,100 calories at Harwood Heights, 5:36 a.m, at Schiller Park, 6:22 a.m., at Franklin Park, 7:08 a.m., at Melrose Park, 7:41 a.m. and at Grand Slam No. 5 Oak Park, 8:57 a.m.

“The Grand Slam has always been a Denny’s favorite. This free offer is our way of reacquainting America with Denny’s real breakfast and with the Denny’s brand,” Denny’s CEO Nelson Marchioli said in a statement. In 1977s, the Grand Slam started as a baseball-related promotion in Atlanta, Georgia. Its normal price averages around $5.99. Marchioli said the event was also a way to kick-off its “Year of the Grand Slam” promotion. Denny’s claimed it has sold 12.5 million Grand Slams a year.

“The economy’s tough and people are jumping all the way to fast food to try to figure it out. We all use fast food, whether it’s for time or convenience or for money. But you can go to Denny’s and you don’t have to give up a real breakfast and that was the whole focus of our commercial,” Marchioli explained. McDonald’s (MCD, Fortune 500) has done well during this economic meltdown since the global recession pushes people toward less expensive dining options.

McDonald’s has announced plans Wednesday to open 175 new restaurants in China this year despite the global economic crisis, thereby increasing the number of outlets in China by 17 percent, from 1,050 currently. Last month, McDonald’s 2008 net profit has risen 80 percent from 2007 to 4.3 billion dollars.

Marchioli has also introduced Denny’s $4 Weekday Express Slam, which is a streamlined version of the Grand Slam. “I want to take back share. For too long, we have allowed others to take share, whether it was Starbucks or McDonald’s. They’re fine competitors and I don’t expect to take all their business from them, but I’d like a little bit back,” Marchioli noted.

According to Rafi Mohammed, author of “The Art of Pricing,” people love free. “It triggers a Pavlovian response in people,” said Mohammed. If Pavlov’s dogs salivate when a bell rings, Denny’s free Grand Slam breakfast has attracted 2 million hungry customers. “I believe free maximizes trial and doesn’t devalue a product as long as it is a rare event. Aside from the cost, the major downside is that it attracts customers who truly have no intention of coming back,” he added.

According to University of Portland consumer psychology professor Deana Julka, people flock to free promotions amid just a few dollars saving because there’s nothing in life for free. “So when there’s something out there that costs nothing, it creates a psychological rush. Especially in these times when people feel overtaxed or overburden, there’s an internal reward people feel by getting something for free,” she said. “It’s being thrifty and feeling like you beat the system. Free really hits the spot for a lot of people,” Julka added.

“Free is an emotional hot button. When free is concerned, there is no downside – or, at least, we don’t see the downside immediately. So we overvalue everything that is free. People love free stuff, particularly when money’s tight,” said Dan Ariely, a business professor at Duke University, author of “Predictably Irrational: The Hidden Forces That Shape Our Decisions.”

Experts, however, explained these moves need to be done sparingly, since giveaways can teeter in the balance between desperation and a well designed marketing ploy. “Giving your product away for free is not worth it because it undermines your brand value,” said branding expert Rob Frankel, saying people are attached to the idea of it being free, than the actual product itself.

Free giveaways are not anything new in the food industry. “It just feels good when you can get something for free and not have to worry about it coming out of your wallet,” Frankel noted. Dunkin’ Donuts and Panera Bread all have had free coffee and food promos last year. “In November, Starbucks gave away free cup of coffee to anyone who came in on Election Day. Have you taken a look at how Starbucks is doing now?” Last week it has announced it would shut down 300 stores, in addition to the 600 it already planned to close.

On February 24, IHOP will be offering a free shortstack to every customer to encourage donations (in place of the cost) for Childrens Miracle Network. The International House of Pancakes (IHOP) is a United States-based restaurant chain that specializes in breakfast foods and is owned by DineEquity. The chain had more than 1950 restaurants in all 50 states, the U.S. Virgin Islands, Canada and Mexico. Since 2006, IHOP’s National Pancake Day celebration has raised over $1.85 million. In 2008, over 1.5 million pancakes (12 miles high if they were stacked) were given to customers for donations.

Denny’s (“Denny’s Diner”) is a full-service diner/family restaurant chain in the United States. It operates over 2,500 restaurants in the United States (including Puerto Rico), Canada, Curaçao, Costa Rica, El Salvador, Jamaica, Japan, Mexico, and New Zealand). The resto chain is known for always being open, serving breakfast, lunch, dinner, and dessert around the clock.

Today, Denny’s operates about 1,600 restaurants in all 50 U.S. states, Canada and Mexico. There are also about 578 Denny’s restaurants in Japan operated under a license by a subsidiary of Seven & I Holdings, seven Denny’s locations in New Zealand, and approximately 38 Denny’s diners in the United States. Denny’s headquarters is now located in Spartanburg, South Carolina, headquarters of the parent company Trans World Corporation that acquired Denny’s in 1987.

Denny’s was historically notable for offering a free meal to anyone on their birthday. The offer included a limited number of meal options from a special birthday menu. The promotional ritual ceased in 1993, though occasionally individual franchises will continue the tradition.

In 2008, Denny’s has ceased to be in the ranks among the top diner chains in the $83 billion breakfast market, whose top five firms — McDonald’s, Starbucks, Dunkin’ Donuts, Burger King and IHOP — accounted for 22 percent of the volume. “A lot of consumers have written Denny’s off their let’s-go-there list,” said Ron Paul, president of Technomic, a consulting firm.

Super Bowl XLIII was an American football game between the American Football Conference champion Pittsburgh Steelers (15–4) and the National Football Conference champion Arizona Cardinals (12–8) to decide the National Football League (NFL) champion for the 2008 NFL season. It was played on February 1, 2009, at Raymond James Stadiumin Tampa, Florida. It has an attendance of 70,774 and 98.7 million viewers. Pittsburgh earned its sixth Super Bowl win, thus securing sole possession of the record for most Super Bowl wins.

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Feverfew compound gets at leukemia roots

Wednesday, February 23, 2005A compound in the common daisy-like plant feverfew kills human leukemia stem cells and could form the basis for newer, more effective drugs for the disease.

American researchers at the University of Rochester Medical Center in New York say that it could take months to develop a useable drug from the compound, parthenolide.

However, they are working to do so with chemists at the University of Kentucky who have identified a water-soluble molecule with the same properties. The US National Cancer Institute has also accepted the work into its rapid access program, which aims to speed experimental drugs into human clinical trials.

“This research is a very important step in setting the stage for future development of a new therapy for leukemia,” says Rochester researcher Craig Jordan. “We have proof that we can kill leukemia stem cells with this type of agent, and that is good news.”

Parthenolide appears to target the roots of myeloid leukemia, stem cells, while current treatments including the relatively new drug Gleevec don’t. So, “You’re pulling the weed without getting to the root,” says Jordan.

Used for centuries to fight fevers, inflammation and arthritis, feverfew earned interest from the Rochester researchers after other scientists showed that it could prevent skin cancer in animal models.

So the researchers investigated how a concentrated form of the plant component parthenolide would affect leukemia cells and normal cells.

Comparing the impact of parthenolide to the common chemotherapy drug cytarabine, they found that parthenolide selectively killed leukemia cells while sparing normal cells better.

While the findings suggest that parthenolide is a good starting point for new drugs, people with leukemia aren’t being encouraged to take high doses of feverfew as they could not take enough of the remedy to halt the disease.

The research is reported in the journal Blood.

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Eurovision ’09 competitor Chiara talks about her current song “What If We” and her past accolades

Thursday, March 5, 2009

The small archipelago of Malta in the Mediterranean Sea takes the Eurovision Song Contest very seriously. Leading a fight to remove a cap on the number of competing countries brought them back to the Contest in 1991 after a 16-year absence, and ever since the nation has had perfect attendance.

Since then, Malta’s dependable “shining star” has been Chiara Siracusa, who goes by her first name in her music career. First competing in 1998 at the age of 21, she was pushed to the brink of victory until the votes from the final country that evening leveled her placement to third. Her rendition of the song “The One That I Love,” and the recognition she received not only for herself, but for her country, made her a star in Malta overnight, and helped her launch a singing career in Europe.

She would later return to the Contest in 2005 with “Angel,” an anthem she penned herself, and achieved second place. Now, in 2009, she will be going back to Eurovision for a third try, hoping for the “3-2-1” charm and a victory — something that has eluded her thus far. Her entry, the ballad “What If We,” has special memories for Chiara; it is dedicated to her father, who is recently deceased.

What if Chiara could take home the gold in Moscow; for Malta, for her father, and for herself? Only time will tell. Chiara took time out of her Eurovision promotional schedule to answer some questions from Wikinews’ Mike Halterman about her past performances, and most importantly, her upcoming one.

This is the fourth in a series of interviews with past Eurovision contestants, which will be published sporadically in the lead-up to mid-May’s next contest in Moscow.


((Mike Halterman)) You’ll be going to Moscow for a third try at possibly winning Eurovision. Why did you decide to compete this year? How did your partnership with Marc Paelinck and Gregory Bilsen come about?

Chiara: Well, I met Marc Paelinck long time ago through a friend in Belgium. We started working together and it brought us to this collaboration today. I was thinking of going back to the festival [for a long time] and this year felt like the right year to do so.

((Mike Halterman)) Eurovision fans from across Europe picked you as the wide favorite to win Malta’s preselection this year. Were you as confident? Were you nervous about competing in the semi-final rounds this time around, or did you think this was something you could handle?

Chiara: When I go into a competition, I always go to win, but I was nervous like everyone else…I think [when] you win a festival, [you win] for what you present, not for what your history is.

((Mike Halterman)) Growing up, did you always want to become a singer? Who were your musical influences, and what genres do you think are your favorite? Do you think these preferences have molded you into the singer you are today?

Chiara: Definitely. My mum always says I used to sing and dance for them all the time since I was a baby, and I’ve always loved ballads. In fact, my favourite singer has always been Whitney Houston.

((Mike Halterman)) How did you come to the decision to enter the Eurovision pre-selection for Malta back in 1998? What kinds of feelings did you experience during the path you took to eventual victory in the national final?

Chiara: 1998 was my first time in the festival. I was very young and I felt I could never win it. I wanted just to try and be there with the big names of those times. It was very scary and overwhelming, [and] then I won.

((Mike Halterman)) Did you feel overwhelmed performing in front of an international audience in Birmingham? What kind of personal feelings and emotions made you relate to the song you sang, “The One That I Love”? There were remarks afterwards that your performance was great, but your dress had similarities to Barbara Dex’s from five years before (and she has become well-known for her “fashion don’t”). Looking back on it, what did you think of that dress?

Chiara: Well…looking back I remember that I was completely overwhelmed [singing] in front of so many people. I was very scared but managed to do well. As for the dress, they were different times [back then] and it was beyond my control.

((Mike Halterman)) You came very close to winning the Contest for Malta back in 1998. When you didn’t, how did it make you feel? Did you feel “robbed”? As an addenda, some Wikipedians I’ve talked to have hypothesized that tabloid hype before the event helped Dana International win; in other words, she would not have won had she not been a transsexual. Do you feel that’s true, and did you like her song?

Chiara: I know a lot of Maltese who voted for Dana because they liked the song and for no other reason. The song was good and we still hear it today.

Obviously when you are so close to winning something and you don’t, yes, you feel a bit robbed, but [then there’s] the moment [when] you realise you did well and you are happy.

((Mike Halterman)) After Eurovision, you made a transformation from an unknown singing hopeful to a true recording artist. Tell us a bit about your transformation, and how you felt during this time. Also, around this time you started to perform in concerts and festivals abroad. What was your best memory from this time, when you were performing abroad and people from outside Malta not only knew who you were, but were interested in your life and music.

Chiara: Everything came like rain in my life, from one thing to the other, and before I knew it I became “Chiara of Malta.” I loved it, but I didn’t have much time to think about it. It came quickly; I went to a lot of places and sang with many people but I think what I will always remember is the concert I did with my band, where Seal was as well in the same event, in Frankfurt. It was incredible.

((Mike Halterman)) In 2005, you entered the Contest again, this time with a song you wrote yourself. What is the meaning behind “Angel,” and what kind of story do the lyrics tell about your own life and experiences?

Chiara: “Angel” is a love song and it will always have a special place in my heart. It’s about the love you give someone without wanting anything back, and the unlimited support too.

((Mike Halterman)) You achieved the best placing for Malta in Eurovision history with your performance in 2005. What did you learn from your experiences in 1998 and, in your mind, how did you improve to become more successful in 2005?

Chiara: I think it’s the maturity and the experience. [Through] the years, without knowing, you [gather] so many lessons and behave better and take things a bit more serious and so on.

((Mike Halterman)) Surely you’ve read not only supportive comments, but negative ones as well, particularly concerning your weight. At the same time, however, you have become a role model of sorts for fuller-figured women across Europe, who aren’t accustomed to seeing “people like them” at Eurovision. How did you deal with the negativity, both in the context of the Contest and in your personal life, and what message do you hope to give to full-figured women who look to you for inspiration?

Chiara: Well, I have always been “full figured,” as you put it. I have spent time in my life trying to become as thin as I could, but I could never make it. Through the years I have learnt to accept myself and love me for what I am and how I look. I feel I have nothing less than others and my advice is to be happy with yourself, and love yourself, because you can never get someone to love you if you yourself don’t.

((Mike Halterman)) Tell us about the emotions you convey in the song “What If We.” Every song has a story, so what is the story played out in this song?

Chiara: The story for me with this song is completely about my father. He was the one to contact Marc [Paelinck] and he was the machine behind Eurovision for me, so he’s entirely what this song is about for me and being that he passed away three months ago, well, it makes the song very special when I sing it.

((Mike Halterman)) If you had to absolutely pick one song, which of the three songs you’ve submitted is your favorite, and why?

Chiara: The three songs [each] have a story of [their own]. “The One That I Love” gave me my whole career, my fame and everything I am today so i can never forget it; “Angel” is too special because it’s like my baby, I wrote it myself; and “What If We” is very deep in my heart because of my dad, so I can never choose between them. Sorry!

((Mike Halterman)) What are your plans for after the Contest? What kinds of projects would you like to pursue? Have you considered launching a singing career in the United States?

Chiara: My immediate project after the festival is an album which I have already started working on, in my style [which] is completely ballads, then wherever that takes me I’ll go, [whether it be] the U.S. or elsewhere.

((Mike Halterman)) Finally, what would you like to tell all of your fans, awaiting your performance this May in Moscow?

Chiara: I would like to thank them for the ongoing support they have always showed me, and promise them I will give them my all on the performance night in Moscow.

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News briefs:June 1, 2010

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On the campaign trail in the USA, October 2020

Monday, November 2, 2020

The following is the sixth and final edition of a monthly series chronicling the 2020 United States presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

This month’s spotlight on the campaign trail: the Free and Equal Elections Foundation holds two presidential debates, three candidates who did not participate in those debates give their final pleas to voters, and three political pundits give their predictions on the outcome of the election.

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How The Process Of Dent Repair In Falcon, Co Works

January, 2015 byadmin

After being involved in an auto accident, chances are the car sustained a dent or two. Fortunately, the damage does not look too bad, and there is a good chance of being able to get rid of the dents with a little work. Here is what the car owner needs to understand about the process of Dent Repair in Falcon CO.

Assessing the Scope of the Damage

The first step in Dent Repair in Falcon CO, focuses on understanding the extent of the damage. The professional will examine the dented area from all sides and make sure it is possible to make repairs rather than having to replace an entire section of the vehicle. As long as the dent did not actually break anything, the odds of being able to make the car look as good as new are very high.

Working Out the DentThe professional will use equipment to perform a process known as roughing out. This means using hammers and other tools to slowly pop the dent out. With some types of materials, suction equipment will be all it takes to pop the dent out. Once that task is done, the professional can move on to addressing the cosmetic repairs needed.

Grinding and Filling

Since the paint job was likely damaged, the professional will grind away the paint and check to see if any type of filler is needed to smooth the surface of the metal. Once the filler is dried, it is also sanded to ensure the surface is clean and smooth.

Painting the Area

The last step in the dent repair process focuses on applying a new coat of paint to the metal. The actual application may not take that long, depending on the number of dents involved. What will take a little longer is drying the paint so that it creates a protective coating for the metal. Once the paint is thoroughly dry, the owner can reclaim the vehicle and get back to his or her normal routine.

For any car owner who has recently sustained dents to his or her vehicle, visit the team at The Body and Fender Shop. They can assess the damage, and provide a quote for the repairs. In no time, the car will look good as new.