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Is Mortgage Refinancing Right For You?

By Simon Volkov

Mortgage refinancing can be beneficial to borrowers who need to reduce monthly loan installments or want to take advantage of reduced interest rates. It can also offer a solution to those in preforeclosure; meaning banks have not taken legal action to repossess the property.

A second type of mortgage refinancing is that of cash back mortgages. This option allows borrowers to obtain lump sum cash using accrued home equity. Since home loans are assessed with a lower rate of interest than other types of loans, entering into a cash back mortgage might be a smarter option when funds are required for large purchases.

Refinancing requires mortgagors to apply for a new home loan. Proceeds from the new loan are used to pay off the previous loan. Borrowers must possess sufficient credit scores and payment history to qualify for financing. Those with bad credit, mortgage arrears, or high debt-to-income ratios typically will not qualify.

Many homeowners refinance through their current lender. However, it is always smart to shop around and compare lender rates. It is also smart to review current loan documents to determine if prepayment penalties exist.

Many banks include a prepayment clause within the ‘Truth in Lending’ section. In many cases, prepayment penalties are assessed during the first 5 years. Others reduce penalties annually throughout the duration of the loan.

[youtube]http://www.youtube.com/watch?v=SPe74J3Y4tw[/youtube]

Borrowers often fail to read loan contracts and are shocked to discover they are penalized for early payoff. Mortgagors holding two or more mortgages can take a hard financial hit when refinancing.

Mortgage lenders typically assess closing costs for refinanced loans. Fees can be as much as 6-percent of the outstanding principal and interest. Common refinance fees include: loan application, loan origination, title search, land survey, property inspections and appraisals, and legal expenses. Cost to refinance a $200,000 mortgage could hover around $12,000.

One source for borrowers facing foreclosure is Making Home Affordable. This government-sponsored program offers solutions to those struggling to meet mortgage obligations under Home Affordable Refinance Program (HARP).

HARP eligibility requirements are provided at MakingHomeAffordable.gov, but may vary by lender. The program is offered to borrowers with Fannie Mae or Freddie Mac loans who are current with loan installments and have not been more than 30 days late with payments within the previous 12 months.

Borrowers can apply for HARP mortgage refinance as long as the outstanding balance of their current mortgage does not exceed 125-percent of current market value and they have the financial ability to comply with new payments.

Another credible source for borrowers in need of mortgage assistance is the Department of Housing and Urban Development. HUD provides complimentary housing counseling to those facing foreclosure; in need of loan modification; or assistance with refinancing home loans.

HUDs website includes an entire section dedicated to mortgage refinance. Visitors can download lender comparison guides and financial worksheets; locate local housing counselors; and learn about all available programs at HUD.gov.

Mortgage refinance can be a good option as long as borrowers conduct due diligence and carefully weigh the advantages and disadvantages of taking out a new home loan. Borrowers should only engage this option if doing so makes smart financial sense.

For most people, their home is the most valuable asset owned. Borrowers should pursue all available options to protect it. Making poor financial decisions or engaging in wasteful spending can quickly place real estate at risk for foreclosure. Take time to assess the risks and rewards of mortgage refinancing before entering into a new contract.

About the Author: If you are considering mortgage refinancing it is crucial to research every available option and compare home loan providers. Author and real estate investor, Simon Volkov shares insights and resources to help homeowners make informed decisions at SimonVolkov.com.

Source: isnare.com

Permanent Link: isnare.com/?aid=745558&ca=Finances

‘A very giant struggle’: North Korean leader Kim Jong Un’s warning of oncoming economic difficulties

Thursday, December 2, 2021

In a talk made to officials at a meeting of the Political Bureau of the Workers’ Party of Korea held on Wednesday, North Korean leader Kim Jong Un warned officials of a coming “very giant struggle” in the economic field, reported Party newspaper Rodong Sinmun. Present at the meeting, which was held in the headquarters building of the Central Committee, were high-ranking party members and military officials, including Party Secretariat Secretary Jo Yong-won and Premier Kim Tok-hun.

The meeting, which had been convened to discuss details on the upcoming fourth Plenary Meeting of the eighth Central Committee of the Workers’ Party of Korea (WPK), later released its resolution on said issue, with the last third of December being the chosen time frame for the Plenary Meeting and a review of Party work having been placed on the agenda, among other subjects.

At the Politburo meeting, Kim Jong Un said that “the successes registered by us show that the overall affairs that had been planned to lay a foundation for the economic development of the country and the improvement of people’s living standard have been vigorously pushed forward”, praising successes made in the agricultural and construction fields.

Kim followed by saying that “next year will be an important one as we should wage a very giant struggle as much as we did this year”, and that plans made for next year should “be dynamic, onward, scientific and detailed, and consolidate the foundation for implementing the five-year plan.”

North Korea’s economy has suffered as a result of various factors over the last two years, with a combination of COVID-19 border closures and heavier sanctions topping off a typhoon and heavy flooding. According to Al Jazeera, UN agencies are reporting food and electricity shortages which have been worsened by economic sanctions.

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Indonesian authorities investigate after pornographic film screened on billboard in Jakarta

Monday, October 3, 2016

Authorities in Indonesia initiated an investigation after a pornographic film was illicitly screened on a 24-square-meter (roughly 260-square-foot) LED billboard in the capital city of Jakarta on Friday, in full view of rush hour commuters.

The film, depicting a couple engaged in explicit sexual activity, appeared on the screen for several minutes — five, according to BBC News — during which time passerby took the opportunity to film the display and upload it onto the Internet. Following complaints to the South Jakarta Communications and Information Agency, authorities cut power to the billboard at about 2:45 p.m. to stop the screening.

According to a report on Saturday by Agence France-Presse, the film, identified as Japanese erotica titled Watch Tokyo Hot, was believed to have been transmitted to the billboard by a personal computer. Awi Setiyono, head of public relations for the police, said the investigative team for the incident includes a cyber crime unit, with the intention of determining whether the billboard was hacked.

Lestari Ady Wiryono, head of public information for South Jakarta, stated “The South Jakarta administration takes this matter seriously”. She said on Friday she had no information on the culprits or the source of the film. “We received the report and we immediately severed the electricity to there”, she said according to the Daily Mirror.

The billboard, located in close proximity to the office of the South Jakarta mayor, is owned by PT. Matapena Komunika Advertama, a private company, while content screened on it is the responsibility of PT. Transito Adiman Jati Transito Adverstising, according to The Jakarta Post. According to Lestari, following the incident, staff from her office along with the investigating cyber crime unit visited PT. Transito’s offices to gather information relating to the affected billboard.

The Indonesian government blocks access to pornographic websites in the country, whilst also subjecting scenes of romance in public broadcasts to heavy censorship. Under a 2015 decree, the government subjects content shown on billboards to standards of “public ethics, aesthetics, public order, decency, security and the environment”.

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United Nations suspends operations in Gaza after schools and trucks are hit by Israeli forces

Friday, January 9, 2009

The United Nations (UN) suspended all of its operations in Gaza from yesterday, after the bombing of a convoy of UN aid trucks which killed one Palestinian driver, and wounded three others. Thursday was the second day of attacks on UN targets after three UN schools housing refugees were bombed on Tuesday, killing over 50 civilians.

“UNRWA decided to suspend all its operations in the Gaza Strip because of the increasing hostile actions against its premises and personnel,” Adnan Abu Hasna, a Gaza-based spokesman for the United Nations Relief and Works Agency (UNRWA), said yesterday. Richard Miron, spokesman for the UN said that the Israeli military had been notified in advance of the coordinates of the relief trucks saying, “This underlines the fundamental insecurity inside Gaza at a time when we are trying to address the dire humanitarian needs of the population there.”

The bombing of the UN trucks was the last straw for the UN, already angered after Israeli tanks fired on a UN school housing refugees killing 50 including an entire family of seven young children. The UN said that they had given Israel the GPS coordinates of their schools, and demanded accountability for the attacks. Israel’s government says it is investigating the incidents.

More schools were attacked including the al-Fakhora School killing 40 people, many of them women and children. Hours before the attack on the al-Fakhora School was an attack on Asma Elementary School which killed three Palestinian cousins. The cousin’s father said the bodies were so mangled he couldn’t tell the bodies apart, “We came to the school when the Israelis warned us to leave,” he said. “We hoped it would be safe. We were 20 in one room. We had no electricity, no blankets, no food. “Suddenly we heard a bomb that shook the school. Windows smashed. Children started to scream. A relative came and told me one of my sons was killed. I found my son’s body with his two cousins. They were cut into pieces by the shell.” Like al-Fakhora, Asma Elementary is an UNRWA school.

The International Committee of the Red Cross (ICRC) said on yesterday that they were trying for four days to get their ambulances to a Gaza neighborhood before being allowed to by Israeli military forces. After getting there, they said, they found four starving children sitting next to the bodies of their dead mothers.

“This is a shocking incident,” said Pierre Wettach, ICRC chief for Israel and the occupied Palestinian territories. “The Israeli military must have been aware of the situation but did not assist the wounded. Neither did they make it possible for us or the Palestinian Red Crescent to assist the wounded.”

Israel granted a three-hour ceasefire yesterday that they gave for aid workers to enter areas that they had closed off. 50 bodies were recovered during the ceasefire, raising the death toll to 763, including more than 200 children, since air raids first began on December 27. 3,121 people have also been wounded. Eight Israeli soldiers and three civilians have died in the same period. Israeli forces also shot a Palestinian man in the West Bank during a protest against Israel’s actions in Gaza. Yesterday, a Palestinian man was killed by Israeli forces after a confrontation in the West Bank Jewish settlement of Ma’ale Adumim near Jerusalem.

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Make Improvements With Cosmetic Dentistry In Downers Grove

byadmin

Improving the way you look and feel is easier than you think. Start by improving the look of the teeth or gums for the next time someone gets close to your mouth. To start looking and feeling better, evaluate your options for cosmetic dentistry in Downers Grove. Know the reasons why so many people have invested their money and time in these procedures.

Improve the Way You Look

Once you get cosmetic dentistry, you will look better in the mouth area. You may get a procedure to bleach the teeth, straighten the teeth, bleach the gums, or replace missing teeth. With any procedure, you are guaranteed dramatic results with every smile. Feel less shy when going out, and feel better about shopping and dressing up.

Also, cosmetic surgery helps you practice better hygiene. First, spend more time maintaining the health of your teeth. Then, focus more on the importance of bathing properly and being clean. After many women get cosmetic surgery, they start visiting the spa more or spending more time in the shower.

Cosmetic dentistry is there to improve the whole body and not just the teeth. Anyone who wants to focus on the body as a whole is a good candidate for cosmetic procedures.

Improve the Way You Dress

Once you improve the teeth, improve the contents of your closet. Few people will want to wear bad clothes with new, good-looking teeth. Many people get cosmetic surgery and then feel a strong urge to improve their wardrobes. They feel the need to clear out their old life and create a new life right away.

Improve the Way You Feel

With a new and improved look, you are guaranteed to improve your attitude. You feel better about appearing in common situations, such as going to weddings or showing up to parties. You feel less inclined to be shy and blend into the background.

Cosmetic dentistry is necessary to make all of these improvements to your life. Nowadays, it is easy to locate the right cosmetic dentist where you live.

Choose the Right Type of Procedure

First, choose the part of the mouth that you want to improve the most. It could be the teeth or the gums where you want to remove imperfections. Know that cosmetic surgery is designed to improve the look, but general surgery is designed to improve the function.

As people get older, they dream of finding eternal youth and improving health. They consider getting cosmetic surgery but worry about the costs or risks. Although not all dental procedures are cheap, they are less invasive than other procedures like liposuction or rhinoplasty. Since the dentist is only working on your teeth and mouth area, the results are safe yet dramatic and effective.

Bangladesh security tightened following Pilkhana massacre and Bashundhara City fire

Friday, March 20, 2009

Following the Pilkhana massacre which occurred February 25 and 26 leaving 74 dead and the inferno at the Bashundhara City shopping mall complex March 13 leaving seven dead, Prime Minister Sheikh Hasina said security measures are being tightened countrywide across Bangladesh.

Fire drills will be enacted at all key-point installations (KPI). Fire fighting systems will be examined by the fire brigade and the public works department (PWD) to ensure functionality. Security measures will be enhanced supplementing areas under private security such as at the Bashundhara City Complex.

The Fire Service and Civil Defence Department requires modernization and needs new equipment to fight fires past the sixth floor of buildings. The Fire Brigade says it needs turntable ladders, snorkels, foam-tenders, lighting units, emergency tenders, fireproof uniforms, and rescue ropes for fire fighting and rescue operations. Transportation to fires is also an issue due to narrow roads, low electrical wires and congestion.

The Bangladesh National Building Code requires fire fighting equipment installed in buildings over seven floors. This code is to be monitored by authorities to ensure compliance with the new guidelines and to make sure buildings are being maintained.

The Bashundhara City Complex opened Monday for shoppers two days after Friday’s blaze. A probe is underway to determine the cause of the fire and to assess structural damage.

Loss of life was minimized as the blaze broke out on a Friday, the beginning of the weekend in Bangladesh, so offices in the upper floors were empty. The lower eight floors are used for shopping and the upper floors are all Bashundhara Group offices.

The mall is valued at Tk 7.0 billion (US$100 million). It is not known if the complex is covered by fire insurance.

It is estimated that it will take over two years to rebuild the area damaged by flames which were burned down to a skeleton. Bashundhara City’s technical advisor, Latifur Rahman, estimated damages at Tk 2.0 billion (US$29m).

Only one television cameraman has been allowed in to film the burnt area. None of the 2,500 shops, cinemas or cafes were burnt by the inferno. The seventh and eighth floors still experience smoke damage, and there was water damage to merchandise.

A three member committee is currently investigating the cause of the fire which will consist of Iqbal Khan Chowdhury, joint secretary of the ministry, representatives of the police, IGP Noor Muhammad, and fire brigade, Director General Abu Nayeem Md Shahidullah. The committee is required to report within the week with their findings. The forensics department is also sifting through the burnt remains.

The Dhaka Chamber of Commerce and Industries has also formed a committee which has begun interviewing witnesses and recording their testimony alongside the government committee.

It has been discovered that 150 closed circuit cameras were not being used when the fire started. Another mystery is why the mall fire fighting system has been found unused.

Why the fire burnt so fiercely is a matter to think….These matters seem to be mysterious

“In the shopping mall there is an ultra-technology elevator which runs even without electricity but we have found that locked,” Iqbal Khan Chowdhury, joint secretary (Police) of the home ministry, said. “Why the fire burnt so fiercely is a matter to think. We have to see if there was any incendiary substance there. These matters seem to be mysterious.”

Mall management has been asked to submit substances and items which would have been in the upper floors when the fire started. The fire erupted on the 17th floor and spread quickly to the two floors above and engulfed the three floors below. The aerial ladders belonging to the Fire Service and Civil Defence reached as high as the 13th floor of the 21-storey building.

Videos have been sent to the United States (US) for examination to assist in determining the cause of the fire and to help in the damage assessment. Experts from the US are expected to arrive soon.

Firefighters were brought to the rooftop of the 20-storey tower by helicopter. The only fatality in this operation was Baki Billa, a firefighter of Bashundhara City firefighting department, who fell when climbing down a rope from a helicopter to the roof of the building. Three other firefighters made the transition safely. At this same time, the chief security officer was safely rescued by the Bangladesh Air Force helicopter, a Bell 212. Six security officers of the complex also lost their lives.

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Frank Messina: An interview with the ‘Mets Poet’

Wednesday, October 3, 2007

In the early Olympic games, athletes used to run a mile and then recite a poem. The first poet-in-residence of an English football team, Ian McMillan, remarked that football chants are like huge tribal poems. Generally, though, sport and poetry have never seemed natural companions in human enterprise. Until the New York Mets baseball team suffered in 2007 arguably the worst collapse in Major League Baseball history. To describe the anguish fans felt, The New York Times turned to a poet, Frank Messina. “Nothing was really representing the fan’s point of view,” Messina told Wikinews reporter David Shankbone in an interview. “There’s a lot of hurting people out there who can’t express what happened.”

And to those who read the Times last Saturday, Messina wants you to know his father never apologized for raising him as a Mets fans. “I never asked for his apology, and he never apologized, nor did he owe us one. I was misquoted in the New York Times.”

Messina’s parents taught him about opposite ends of the spectrum of life. “My mother was supportive even when I made mistakes. She taught me to never give up no matter what vocation you choose in your life.” Whereas Messina’s mother taught him to never give up, his father taught him how to die with grace. He passed away from cancer in 2005. “I got to see a man who accepted his fate. He was like the Captain of the Titanic. My mother was also calm. I was the one freaking out inside. I saw someone who had acknowledged his own demise, accepted it, and died at home. He was a tough old guy. It takes a lot to accept that; it takes a very strong person. Some of the special moments toward the end was sitting with him and watching baseball games.”

It is baseball that has garnered Messina attention now. He has performed in 32 countries and 40 states, and in 1993 he founded the band Spoken Motion, a spoken word band. What is striking about Messina is that his work has branched two worlds that often don’t interact: downtown coffeehouse denizens of poetry and the denizens of Shea Stadium. It is Frank Messina who has personalities as diverse as Joe Benigno, the archetype of the New York sportscaster at WFAN, reflecting on love and poetry. “No one would question a poet writing about love for a woman,” said Benigno, “but when you’re a fan of a team, the emotional attachment is even stronger….” Benigno sounded similar to avant-garde writer and musician David Amram, who said Messina’s poems paint “the stark beauty of the streets, the pain of 9/11, the joy of everyday life, the mysteries of love all fill the pages of this book. It’s a feast of images and sounds that stay with you.”

I spoke with the person Bowery Poetry Club founder Bob Holman called the “Rock n’ Roll Poet Laureate” recently in Washington Square Park:


DS: You have received a good deal of attention recently.

FM:Even though I’m not Michael Jackson or somebody, when people come up to me and introduce themselves and say, ‘Hey Frank, my name is John,’ I say, ‘Hey John, my name is Frank’ and they laugh. It’s a funny phenomenon.

DS: What goes through your head when that happens?

FM: I understand it. I’ve gone to readings and concerts. I look at it as human interaction. Over the years I have performed in 32 countries and 40 states. I’ve been doing this professionally since I was in my twenties, and before that since I was sixteen doing little tidbit poetry readings in coffeehouses. The band I started in 1993, Spoken Motion, received a lot of recognition as a spoken word band born out of the New York spoken word scene. I worked with some great musicians and performed around the world. I remember signing my first autograph to a kid when I was 25 years old. As time went on, I came out with books and CDs, and I became used to that kind of thing. To me, the ultimate feeling of success as an artist, is to move somebody enough where they thank you. When someone comes up and says, ‘Frank, thank you, your work is great.”

DS: You have a long career in poetry, but as of late the attention you have garnered is for the Mets-inspired work. How do you feel about having a lot of your work overshadowed by the Mets work?

FM:It’s ironic. Some of the greatest poetry has been born out of failure and the depths of adversity in the human experience. Walt Whitman, the first great American poet, wrote about the Civil War. He went looking for his brother, George Whitman, after he a telegram telling him his brother was injured in the South. When he started out his poems were about beating drums, and blow, bugle, blow. Real patriotic. Then he started to see the real horrors of war. He was able to tap into the human condition and the situation at that time. Eventually when he found his brother he had resolution.
I experienced that kind of adversity during 9/11 being a civilian volunteer. I loaded ferry boats in Jersey City across the river to deliver goods to Ground Zero. I turned to Whitman to find some understanding of what is happening in the world right now. When I wrote my 9/11-related poems, that was true adversity. I realize baseball is just a game.

DS: Can you recite a stanza that expresses how you feel right now?

FM: This was a piece that the Times only quoted one stanza, but it’s about preparation for a battle, and being prepared to either rise to the occasion, or go down:

Do you know what it’s liketo be chased by the Ghost of Failurewhile staring through Victory’s door?Of course you do, you’re a Mets fancaught in a do-or-die momentin late September at Shea

As one that’s battled hardthrough many a broken dreamLet me say, “in order to rise to the occasionyou must be willingto go down with the ship”,Have no fear, no hesitation,for Winning shall be it’s reward!

Don’t let them get in your head!you’ve kept it up this longYou’re a Mets fan in late Septemberand you’ll fight til the glorious endCheer the team today;(your boys in orange and blue)Let them hear you shoutas they fight for what’s mightily due

(copyright Frank Messina; reprinted with permission)

DS: Sports fans aren’t known as patrons of poetry. Have you had interaction with ‘new readers’ through your Mets work?

FM: This one person who I never met took a picture of me and sent it to me in an e-mail. The e-mail said, ‘Frank, I have never bothered you during the game, but I just wanted to say thank you for your work and thank you for making some sense of the successes and failures and I wish you much success with your work.’
Last year in my section at the stadium I had a banner that read We Know’. That’s all it said. Then earlier this year these shirts started to come out that said, “Poet says We Know“. It was amazing. We didn’t use the banner this year, though, because we didn’t know. The team wasn’t so far ahead that we knew. Last year we just knew we were going to the playoffs; we knew we were going post-season. This year we weren’t sure. We were walking on eggshells.
There was a woman, a season ticket holder and a die hard fan. She was staggered by the loss last year to the Cardinals. Last year she came up to me during one of the games late in the season; she was so happy we were going to the post season. By that point we had clinched it. She handed me a shirt she bought at the stadium and she gave me a big hug. With tears in her eyes she said, “Thank you, Mets Poet, thank you.” It’s cool…it’s like another family.

DS: Moments like that must make you realize you have touched people who aren’t normally touched by poetry.

FM: It’s opened up a new fan base, so to speak. For the last year SNY has broadcast footage of me with my poems, so quite a few fans known about the ‘Mets Poet’. I have never called myself that, by the way. The back of my jersey says ‘The Poet’ because growing up that was my nickname. My brother was a runner and they used to call him The Birdman–Birdie–and they called me The Poet. It was a natural thing, but I never coined myself as ‘The Mets Poet.’

DS: Jack Nicholson once said, “The fuel for the sports fan is the ability to have private theories.” What are some of your private theories?

FM: The fan is always right. No matter if he is wrong, he is right. The fan always has an opinion. That’s why we have talk radio and people call Joe Benigno and Steve Somers and Mike and the Mad Dog all day long. That’s why we have 24/7 sports-related talk. If you were to come from another planet with only three hours on Earth to find out what human beings are like, to discover how dynamic life is as a human being, you would take them to a baseball game. A season is like a life, but a game is like one day in that life. A season has its beginning, its renewal, its innocence and its arch into maturity into the season. Panic sets in when it hits the middle-age of the season. Will it we have success, or will we have failure. At end of season, fans have to accept whether we have failed or whether we have achieved victory. Kansas City Royals fans know at the beginning of the season that, more than likely, nothing is going to happen for them. As Mets fans, we want to win, but we never expect it to be easy. It’s always going to be a fight; it’s always going to be hard.

DS: The second-class citizen in a first rate city idea that is found in one of your poems.

FM: Yeah, you’re going to get pushed around. People are going to disagree with you. It’s not going to be easy. You’re going to have to take a lot of pills, take an extra drink, go to the gym an extra day to run off some energy.

DS: You and poet Ron Whitehead embarked on a “War Poets” tour of Europe. You as a pro-war poet, and Whitehead as a pro-peace poet. Forgive the crude terminology; I realize there is probably nuance in there. In the over four years since that tour has your outlook evolved at all?

FM: I’ve never been for any war. I try to avoid altercation on any level, be it emotional, physical, or political. But there are some wars I think that are necessary. History has shown this. Was this one necessary? I don’t know. Twenty years from now we’ll have to figure that out. I hope that we’ve all learned something from it.

DS: What is your feeling toward the Iraq War now?

FM: It’s a mess. It’s a mess. We went in to get a job done, get Hussein out of there, liberate the Iraqi people as was dictated in the 1998 Liberation Act that Senator Lieberman helped draft and President Clinton put out there. President Bush, Congress and the American people supported going in there. I’m not going to backtrack: I did support going in there, and even as an artist and a poet, and as a freak, I made a decision, that it was time to take this guy out. I spoke with many Iraqi Americans who live in my neighborhood who also supported that. Lebanese and Iranian friends I have supported it. One of my childhood friends, Adel Nehme, came out of Beirut, Lebanon around 1972. We met in kindergarten and we’ve been friends ever since. He was someone who escaped that turmoil. His family brought him to New Jersey specifically to pull him out of that hell, like the way my father took us out of the gangland hell of the South Bronx. Like any father would do, to protect his family.

DS: Do you still feel the Iraq War is protecting us, and that the original reasons you supported it are still valid?

FM: It’s a mess. The original reasons? Yes. Looking back, hindsight is always 20/20. Unlike many artists, I have vocally supported the war. Many artists who support this war won’t say that. Ron Whitehead is a dear friend. We have mutual respect for each other but we disagree on a lot of issues. Nevertheless, there’s only one man I want fighting in the trenches of life with me, and that’s Ron Whitehead.

DS: When you look at the state of the world, what five descriptors come to mind?

FM: Chaos. Yearning for peace. Confusion. Desperation. Hope.

DS: And are you hopeful?

FM: Yes.

DS: Where do you get that hope from?

FM: My faith in the human spirit. I think people are inherently good.

DS: Joe Benigno said, “No one would question a poet writing about love for a woman, but when you’re a fan of a team, the emotional attachment is even stronger, because women come and go, but your team never changes.” Do you think that analogy really holds, because you are attracted to the Mets, and you are attracted to women, and the players on both of those teams in your life change.

FM: Loving a baseball team is having to put up with the imperfections, the routine of what kind of mood is it going to be today. It doesn’t come down to whether we are going to win or lose, it comes down to: is the player going to perform this way? Or , is the pitcher going to be ambivalent? Am I even going to have enough strength to watch this game? Am I going to wash my hands? Am I going to lay in bed all day? What am I going to do? The game becomes a reflection of true life in that way.

DS: The difference is that you know what to expect from the players on the Mets. They have defined roles and there is some certitude. With women, as the players change you don’t know what they are going to do; whereas in baseball the players have roles and you know what to expect of them.

FM: It’s a dangerous proposition being any fan, but particularly a Mets fan, because you are going to have to accept you will fall in love with imperfection. When you fall in love with a woman, you are accepting them for all their flaws, those elements that make them human, worts and all. And I accept my team worts and all. They have given me a great deal of joy, a great deal of entertainment, exhilaration, and a hell of a lot of pain like in any fan. This isn’t the Brady Bunch, this isn’t Leave it to Beaver. Few things are, if anything.

DS: You were the recipient of the 1993 Allen Ginsberg Poetry Award. In 1996 I met Ginsberg at the Naropa Institute in Boulder. I asked him about NAMBLA, the North American Man/Boy Love Association. He told me to follow him into the bathroom. As I stood there he peed and told me he wasn’t for having sex with children, but that he thought that age-of-consent laws were outdated, that he knew what he wanted when he was fifteen and that he thought everyone does at that age. He said he wasn’t for sex with children, but that it should not be illegal to have sex at that age. When you accepted the Ginsberg award, did you have an issue with some of his political stances?

FM: I was too young at the time to realize what he thought. I never knew what went on behind closed doors with Allen, and aside from meeting him a few times, I never knew him on a personal level. I accepted the nomination, like young people do each year, because of his poetry, not because of his politics. I was proud. That is what the award was designed for. There are laws in this country for a reason, to protect children and to protect people from predators. Whether Allen was a predator or not, I don’t have any idea.

DS: All evidence is that he was not a predator, but that he was a voice for change of age-of-consent laws.

FM: To me, it’s a non-issue. Put your hand on my kid and believe me, it’s all over for the predator. That’s my policy. When someone’s 18, that’s the deal. I’ll stick with the law on that one.

DS: What’s a lesson your mother taught you?

FM: To never give up. She was supportive even when I made mistakes, as a good mother will do. In school my parents were called up a lot. It was not easy being a parent of Frankie. Teachers were constantly calling. I was disruptive, I would talk out of line, I was a class clown. She taught me to never give up no matter what vocation you choose in your life. My mother was never critical of my poems and writing. We’re good friends and she’s a lot of fun.

DS: How would you choose your death?

FM: Either in battle or laying in bed with family around me.

DS: Have you ever had a moment where you saw your death?

FM: Yes, a couple of times. Once I was on one of those small planes flying to Pittsburgh last year to see the Mets, actually one of those 25-seat airplanes flying out of Newark in a lightning storm. We had ascended over Newark and the plane was struck by lightning. There was no panic on the plane at all, but something, we knew, was terribly wrong. I saw a flash of light when it hit the plane and a fellow across the aisle said, “Did you just see that?” and I said that I thought we were struck by lightning. He said it felt like something got ripped off the plane. There was so much turbulence. The stewardess came out with one of the co-pilots, who announced we were struck by lightning, but that we were going to continue the flight. There was a moment there, I think a good 30 seconds, where I was certain the plane was going to break apart.

DS: Did you have any realizations?

FM: I thought, this is it. This is it. There was acceptance. When my father was diagnosed with cancer in June of 2005 and I got to see a man who accepted his fate. He died two months later. He was like the Captain of the Titanic. My mother was also calm. I was the one freaking out inside. I saw someone who had acknowledged his own demise, accepted it, and died at home. He was a tough old guy. It takes a lot to accept that, it takes a very strong person. In this culture we value life very much, and some people look at death as a failure, but it’s going to happen to all of us. My theory is to help yourself, and help others in life.
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Transform Your Body With A Gym Membership In Elburn

byAlma Abell

If you are interested in finally getting the body you want, consider getting a gym membership in Elburn. Consider a gym that has the latest in state of the art equipment, group classes, and personal training sessions so that you can embark on your fitness journey in a variety of ways.

Comfort is Paramount

It is important to feel comfortable when you are working out. For this reason, you should take some time to visit a variety of gyms in order to determine which gym experience is best for you. Most gyms pride themselves on offering a host of fitness and personal care amenities that are geared towards making your experience as a gym member enjoyable.

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If you want to feel comfortable on your fitness journey, consider a gym that has the amenities that will keep you motivated.

Fitness Tailored for You

It is important to remember that not everyone has the same fitness goals. When considering a gym membership in Elburn, this is important to understand so that you can obtain a comprehensive fitness experience for you.

A sense of inclusiveness matters when seeking a gym membership. You want a gym that has ample space, the latest state-of-the-art equipment and even group exercise classes. This allows you to find the exercise regimen that is best for you.

For a more personal touch, certified fitness trainers are great for one-on-one training sessions. They can create a fitness plan specially tailored for you and help you achieve your fitness goals.

Convenient and Inclusive

For a quality gym membership in Elburn, seek gym spaces that offer convenience and inclusiveness. There are a number of gyms that provide special services for their members such as childcare and spa and health services. These amenities make reaching your fitness goals convenient and feasible.

If you are ready to transform your body, consider a gym membership in Elburn by visiting the Fuse Gym website.

Execution of two gay teens in Iran spurs controversy

Saturday, July 23, 2005

International controversy erupted after Iranian officials executed two gay teenagers who were originally reported to be convicted of homosexuality, however later reports released by the Iranian government after international furor claimed the conviction was for the rape of a 13-year-old boy. The two were hanged July 19.

Only the age of one of the two executed teens was officially released to the public. He was 18 year old Ayaz Marhoni. The other, Mahmoud Asgari, according to the Iranian Students News Agency (ISNA) was aged 17, but other news agencies have reported the teenager’s age as 16. In the original report by the ISNA it was said that the two were found having sex together when they were both 16. It also reported that they were held and beaten for fourteen months before the execution.

The UK-based gay rights group, OutRage! claims the report issued later by the government of Iran is a “smokescreen” to justify killing homosexuals. And one media outlet, Direland, has blasted the media holdings of Rupert Murdoch that includes Fox News Channel and The Times newspaper for publishing the subsequent Iranian government issued allegation of rape as matter of fact without mention of the previous stories before international condemnation bearing no such accusations.

According to Iranian newspapers, the two boys were given 228 lashes for their other convictions of theft, disrupting public order and public drinking before they were hanged in Edalat (“Justice” in English) Square in the Iranian city of Mashhad. The executioners, fearing reprisals, wore masks and anti-riot forces were mobilized to prevent outbreaks of public protests.

Photos of the execution released by Iranian Students News Agency showed the two teens crying in the truck driving them to the gallows in Justice Square, located in the northeastern region of the country.

Iran has been under fire by international human rights groups for executing teenagers in the past, including the 2004 execution of Atefeh Rajabi, a 16-year-old girl convicted of having sex before marriage. Medical reports, not allowed in the court, had stated that she was mentally ill.

Like many other Islamic countries, Iran enforces the religious sharia law, which allows for the execution of children, including girls aged nine or older and boys 15 and older.

Iranian officials have complained that the media has emphasized the teens’ ages. Deputy Ali Asgari said, “Whatever sentence is decreed by an Islamic penal system must be approved, unless proven otherwise… Instead of paying tribute to the action of the judiciary, the media are mentioning the age of the hanged criminals and creating a commotion that harms the interests of the state… Even if certain websites made a reference to their age, journalists should not pursue this. These individuals were corrupt. Their sentence was carried out with the approval of the judiciary and it served them right.”

Both teens were convicted by Court No. 19 under sharia law. The teens are identified only as “M.A.” and “A.M.” Those found having homosexual sex in Iran may face death by either hanging, stoning, cutting in half by a sword, or dropping from a tall building or cliff.

An ISNA report said the couple acknowledged having sexual relations with each other but said they were unaware of laws against homosexuality.

Another report, by Iran In Focus, claimed that the two were hanged not for gay sex, but rather for sexually assaulting a thirteen year old boy at knife point. Neither the original Iranian Student’s News Agency nor an additional report from the National Council of Resistance of Iran had this allegation, said the United Kingdom based OutRage!. Direland Press has noted that the accusation of rape in reports came days after international outrage and detailed reports by other Iranian news agencies. They suggest the recent report is a ploy of the Iranian government to justify its actions.

“The allegation of sexual assault may either be a trumped-up charge to undermine public sympathy for the youths — a frequent tactic by the Islamist regime in Iran — or it may be that the 13-year-old was a willing participant but that Iranian law … deems that no person of that age is capable of sexual consent and that therefore any sexual contact is automatically deemed in law to be a sex assault,” said OutRage!’s Peter Tatchell.

“This is just the latest barbarity by the Islamo-fascists in Iran,” Tatchell remarked. “The entire country is a gigantic prison, with Islamic rule sustained by detention without trial, torture and state-sanctioned murder.”

Tatchell told reporters that according to Iranian human rights activists, more than 4,000 lesbians and gay men have been executed in Iran since the ayatollahs seized power in 1979. He said an estimated 100,000 Iranians have been executed in Iran since that time.

Reports also indicated that three other gay Iranian teenagers are reportedly being hunted by police, but they are said to have gone into hiding.

OutRage! requested the international community see Iran “as a pariah state” and to “break off diplomatic relations, impose trade sanctions, and give practical support to the democratic and left opposition inside Iran.”

The United Kingdom has a policy of constructive engagement with Iran, as does France and Germany, primarily directed at the resolution of the Iranian nuclear crisis.

European Union officials have been holding a human rights dialogue with Tehran, but last year the report by Human Rights Watch said that violations had increased since 2000.

In the Unites States, the Human Rights Campaign has called for U.S. Secretary of State Condoleezza Rice to condemn the executions.

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Death toll from tsunami in Southeast Asia increases

 Correction — May 8, 2018 This headline incorrectly locates the tsunami in Southeast Asia; it was in the South Pacific, as stated in the lede. 

Thursday, October 1, 2009

A tsunami that was generated in the South Pacific by a powerful undersea earthquake has killed at least 110 people, according to authorities.

The majority of the fatalities occurred in Samoa, where rescue workers say at least 84 people were killed. Another 24 people are confirmed dead on American Samoa, while at least seven fatalities have been reported in nearby Tonga.

The US Geological Survey says an 8.0 magnitude earthquake struck early Tuesday local time. It generated waves that devastated coastal areas, knocked down buildings and sent cars floating out to sea.

Strong aftershocks followed the initial earthquake, with at least one measuring a magnitude 5.6. Tsunami alerts were issued for the entire South Pacific region but were later canceled. Survivors fled to high ground and stayed there for hours.

Several villages were destroyed on the southern Samoan coast of Upolu, which is also home to many tourist resorts.

During a flight on from Auckland, New Zealand to Apia, Samoa, Samoan Prime Minister Tuilaepa Sailele Malielegaoi told reporters he was shocked by the disaster. “So much has gone. So many people are gone. I’m so shocked, so saddened by all the loss.”

“The situation is very bad,” said Marie-Francoise Borel, a spokesperson for the International Red Cross, to the CTV News Channel by telephone. “This massive wave has swept across – it’s destroyed villages, it’s destroyed homes, people are in shock.”

The assistant chief executive of Samoa’s disaster management predicted that the death toll in the country could surpass one hundred, saying that searches for bodies in the region are still ongoing.

“They are still continuing the searches for any missing bodies in the area. Some areas have been flattened and the tsunami had brought a lot of sand onshore, so there have been reports the sand has covered some of the bodies. So we need specialised machines to search for bodies that are buried under the sand,” he said.

The communications head for the International Federation of the Red Cross, Jason Smith, told the Al Jazeera news agency that the Red Cross “[…] is working hard through five evacuation centres to provide people with safe places to stay and access to clean water,” estimating that up to 15,000 people in sixty villages were affected by the tsunami.

At the capital of American Samoa, Pago Pago, the tsunami measured 1.57 meters in height. The superintendent of the National Park of American Samoa Mike Reynolds reported four waves as high as six meters. People who experienced the quake said it was long, lasting from 90 seconds to three minutes.

We’re focused on bringing in the assistance for people that have been injured, and for the immediate needs of the tens of thousands of survivors down there.

Pago Pago city streets were strewn with overturned vehicles, cars, and debris. Some buildings located only slightly above sea level were completely destroyed by the waves, and power in some locations is not expected to be restored for up to a month. FEMA administrator Craig Fugate said that “we’re focused on bringing in the assistance for people that have been injured, and for the immediate needs of the tens of thousands of survivors down there.”

“The first federal team members are currently en route to American Samoa aboard a Coast Guard plane and will be providing on the ground assessments once they arrive on the island,” Fugate said. “FEMA, who has provisions pre-positioned in a distribution center in Hawaii, is also preparing to send supplies as needed to help meet the immediate needs of the survivors.”

Didi Afuafi, 28, who was riding on a bus in American Samoa when the tsunami struck, described her experiences. “I was scared. I was shocked. All the people on the bus were screaming, crying and trying to call their homes. We couldn’t get on cell phones. The phones just died on us. It was just crazy,” she said. “This is going to be talked about for generations.”

US President Barack Obama declared a major disaster in American Samoa, and has sent federal aid to support local recovery efforts in the US territory.

“My deepest sympathies are with the families who lost loved ones and many people who have been affected by the earthquake and the tsunami,” Obama said. He had earlier pledged in a written statement to give a “swift and aggressive” government response to the disaster.

“I am closely monitoring these tragic events, and have declared a major disaster for American Samoa, which will provide the tools necessary for a full, swift and aggressive response,” Obama said.

During a Wednesday appearance near Washington, D.C., the president said the US was ready to help its “friends” in neighboring Samoa and throughout the region.

In Tonga, seven people were confirmed dead and another three missing, after waves struck Niuatoputapu, a northern island.Acting prime minister Lord Tuita said in a statement that “according to information gathered from Niuatoputapu so far, seven people are confirmed dead, three missing and four with very serious injuries,” Lord Tuita, the acting prime minister, said in a statement. “It is reported that the tsunami did serious damage to the village of Hihifo, which is like the capital of the island.

“The hospital on the island is reported to have suffered major damage; telephone communication has been cut as a result of damage to equipment and facilities on the island; homes and government buildings have been destroyed,” he said.

An airplane was reportedly chartered by Tongan authorities to determine the amount of damage done to Niuatoputapu, but wasn’t able to land.

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