วันอังคารที่ 15 พฤศจิกายน พ.ศ. 2554

Indiana Recycling and Environmental News

Indiana is perhaps best known for its rolling rural Midwestern landscapes and high prairie Middle American slowness of life. This image may actually be a bit stereotypical, with a large chunk of Chicago's suburbs (including Gary-a large urban area), as well as Indianapolis also here. Still, Indiana's connection to the earth has made environmental concerns and recycling-including auto recycling and salvage-a growing feature of life in the Hoosier State. An update on the latest environmental and recycling news in Indiana follows.

Recycling Facility Gets Big Expansion

North Vernon, Indiana is a place you may not have heard of, but which is one of the epicenters of the growing environmental industry. Home to the world's largest recycling facility for plastic bags, owned by the largest manufacturer of the device loathed by environmentalists across the planet, its proprietor has announced plans to double capacity.

Hilex Poly aims to be the leader in recycled bag production with its North Vernon facility (which is one of the community's leading employers, now expected to hire more for the expansion). It has pioneered a program called Bag-2-Bag which reverses the distribution process, allowing grocery customers to return their bags to the store to be shipped back where they came from and sent to Indiana to make new bags. The company hopes to someday sell only bags recycled from old ones, a closed loop theory enticing to environmentalists.

Federal Funds Improve Environmental Infrastructure

Northwest Indiana is home to a federally protected lakeshore sand dune range beloved by those who frequent its recreational opportunities. With new funds appropriated by Congress for preservation and improvement of the infrastructure at the Indiana Dunes National Lakeshore, those who have worked to protect the ecologically unique and precarious area are inspired for the future.

Also involved in the environmental appropriation was almost a million dollars for improvement of a water reclamation facility in Portage, Indiana. As population increases in this part of Indiana, the older facilities were being seriously tested and environmentalists feared contamination of waterways and drinking water. The funds will preclude this from happening while improving their biosolid disposal and reclamation technology.

Federal Report Outlines Indiana's Climate Change Impacts

Global warming has been linked, for the moment, to the production of carbon dioxide, creating an ecological challenge and potential doom. Indiana is not exempt from the costs and consequences of global climate change, and a new federal report detailed some of what the Hoosier State can expect over the coming years.

The biggest negative impact expected is increased flooding, as heavier rains and shorter, milder winters (milder for Indiana, of course) mean the kinds of destructive floods familiar in the Great Plains become even more devastating. Overall, however, the longer planting seasons and higher precipitation suggests Indiana's powerful agricultural sector could in fact benefit. Migratory birds once uncommon to Indiana have begun to roost there, emigrating from the more southern states they settled in decades ago. This same habitat shift could mean new invasive plant species however, limiting agriculture's gains.

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วันจันทร์ที่ 14 พฤศจิกายน พ.ศ. 2554

Aberdeen & North - Monday, August 29, 2011

Scotland's First Minister Alex Salmond says the Lockerbie bomber should be allowed to die in peace. In other news: a Buckie man's had his arm amputated after being run over by a train at Perth Station; police have named a seventy three year old man who died in a fire in Ross-shire at the weekend; a ground breaking ceremony has taken place at the site of a one hundred million pound business park development next to Aberdeen Airport. This is an international version that may have been edited for rights reasons.

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วันอาทิตย์ที่ 13 พฤศจิกายน พ.ศ. 2554

12/24/2009 (News/Videos/Directors' Spotlight)

www.youtube.com Click this to watch the previous episode of Machinima Today! Machinima Today 12/24/2009 (Machinima News/Videos/Directors' Spotlight) S1E22 Hey, it's Christmas Eve, and we here at Machinima Today thinks it's time to step away from the Christmas Story marathon and celebrate the holidays by watching 6 of our network's best. World of Warcraft: Headshot (Patch 3.3: Ian & Bear) S1E33 www.youtube.com Inside Gaming: Best of 2009 Part A (Machinima Video Game News) www.youtube.com The Saboteur: Ten FTW (Top 10 Destructively Fun Things to Do) S1E23 www.youtube.com Friendly Fire: Most Influential Game Franchises (Video Game Debate) S1E8 www.youtube.com Halo vs. Super Mario Kart (Machinima) www.youtube.com Bob's Epic Day (Runescape Machinima) www.youtube.com FOR MORE MACHINIMA GOTO: www.youtube.com TAGS: yt:quality=high Machinima Today MachinimaToday MT World of Warcraft WoW Patch 3-3 headshot The Saboteur Ten FTW TenFTW TFTW sabotage moments Friendly Fire Most Influential Game Franchises Halo vs Super Mario Kart Cart Manslayer mans1ay3r M4N5L4Y3R Bob's Epic Day TehNoobShow TheNoobShow Runescape Machinima Series TehNoobWorld

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วันเสาร์ที่ 12 พฤศจิกายน พ.ศ. 2554

Fusion Brings Good News to Ford

Ford officials expressed their undeniable euphoria because 21 different Ford vehicles made it to the Consumer Reports' list of recommended buys. Among the vehicles are Ford Fusion, Ford Five Hundred, and Mercury Milan. In addition, Fusion was made Consumer Reports cover.

Analysts in the auto industry expect that Fusion will follow the footsteps of Taurus without becoming what it eventually became. It can be recalled that Taurus was considered one of the bread and butter vehicles of Ford. In between 1986 and 1995, you cannot imagine the automaker will hit the market without the presence of Taurus. From 1992 to 1996, the vehicle was the best selling car in the United States.

Taurus came into the market and became an instant success. The vehicle was a milestone design for Ford. Ford Taurus car parts are meticulously planned and tested to come up with a very influential vehicle.

Taurus was redesigned in 1996. Unfortunately, said redesign ranked as one of the worst redesigns in the auto history. According to enthusiasts, the makeover was goofy, flaccid and ovoid while the original Taurus was sober, taut and straightforward. Eventually, Ford decided to end the production of Taurus in October this year.

Finally, Ford has come up with a vehicle that has potentials to be the next big thing in the industry. Fusion is the vehicle that can serve as a mighty rival for Camry, Altima, Accord, and other state-of-the-art vehicles in similar segment.

Fusion is built on Ford's CD3 architecture. It measures 190.2 inches long, about 3.4 inches longer than Mazda6. Its 107.4-inch wheelbase is also longer by 2.1 inches. With regards to width, Fusion measures 72.2-inch-wide while Mazda is 2.1 inches broader.

In regard to the vehicle's rivals, they are almost exactly Fusion's size. Accord, for instance, measures 189.5 inches long, 71.5 inches wide, and rides on a 107.9-inch wheelbase. Compared to Taurus, Fusion is smaller.

Fusion is shipped out with 2 different 'Duratec' engines that are shared with the Mazda - base four and the V-6. the former is an all-aluminum 2.3-liter, DOHC four that produces 160 horsepower at 6500 rpm and 150 pound-feet of peak torque at 4000 rpm. The latter has DOHC heads, 24-valves, and generates 221 horsepower at 6250 rpm and 205 lb-ft of peak torque at 4800 rpm.

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วันศุกร์ที่ 11 พฤศจิกายน พ.ศ. 2554

วันพฤหัสบดีที่ 10 พฤศจิกายน พ.ศ. 2554

New Fannie Mae Mortgage Loan Guidelines Contain Some Good News And Some Bad News For Marginal Credit

I got this announcement in an email from a lender. =>Fannie Mae Guidelines contain some good news and some bad news for marginal credit borrowers. These changes will take effect May 19th

Seems as though Fannie Mae may be getting a little more conservative on their approvals for the High Risk, High LTV/CLTV loans. What does that mean? Quite simply, some high risk loans will be getting approvals with 'Levels' attached. Which means that they will be paying .5% to 1.5% higher rates than a low risk client. I see this as prudent and very fair for the borrowers. These levels have always existed, so that is nothing new. But the higher risk stuff will be getting 'leveled' more often now.

Another announcement, and this is a biggie, is that they do not require collections be paid regardless of amounts. Remember the "collections allowed up to $5,000"? They will now allow unlimited collections that do not affect title. So, the guy who has a 6yr old chargeoff for $5,500 can get into a conforming loan without paying off his collection. Fannie Mae used to require all collection paid if they added up to over $5,000. The presence of collections will still go into the risk analysis of the loan.

I could speculate on why these changes are being made..... but it would only be a guess. Who knows what all goes into their risk analysis thinking. But I suspect that Fannie is learning what we knew all along. Some borrowers with old collections can still pay their mortgages on time. And that an arbitrary $5K limit did not make sense. The net result is going to be a little higher rate for the 100% loans as a result of the Expanded Level Approval. And some folks with great recent credit may be able to get into conforming rates regardless of old collections.

Is your loan officer running EVERY FILE through Automated Underwriting? They should be..... because a lot of these people in subprime loans probably would have qualified for something better..... a Conforming Loan.

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วันอังคารที่ 8 พฤศจิกายน พ.ศ. 2554