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Best Gic Rates Do I Need A Gic As My Retirement Plan? Jul 11

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By Walter Smith

In Canada there is a sort of investment choice recognized as Guaranteed Investment Certificate or GIC that is generally issued by banks along with other financial institutions. The banks will give an assured yield for a predetermined period of time. People normally obtain GICs as an element of retirement solutions in view that they present a low risk returns. Because of its safe profile, they are susceptible to generate a lower return as opposed to other investments such as mutual funds, stocks, and bonds. With GIC the original capital is usually insured.

When you invest in a GIC, the associated institution gives interest to access your funds for a certain time-period that can be from some months or a number of years. The completion of the tenure is called the maturity date. You will need to satisfy the requisites pronounced by the establishment. To illustrate, the fixed tenure of your investment could be as small as a month, 1 year, or as much as 10 yrs. You prefer the span of time you want to continue being invested. A large number of people invest in GICs for 1,3, or 5 yrs. The sum of funds dedicated for the GIC is generally at least $500. You would be offered the interest which is accumulated throughout the amount of time.

Hence, whenever your Guaranteed Investment Certificate is placed for ten yrs, you should get more benefit in interest for the tenure. The lesser the time-span, the lesser the interest you will have. It’s essential to know that whenever you go for your funds ahead of the closure of this specified time-period, you’ll have to pay a penalty or premature withdrawal fees or you might not gain any earnings. Although, you can get many GIC options that have certain portion in the interest to be settled every year. You could often gain your interest payments once a month, quarterly, half yearly, or once a year. Once you select a monthly repayment scheme, interest profits will be lower.

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You will get 2 major sorts of GICs. The most excellent GIC investment is one where the rate of interest is fixed for the particular time. It’s categorized as a fixed interest rate GIC. Your fund shall be used at a stipulated rate of interest that does not alter with the economy environments. Since interest rates routinely fluctuate, devote time to check to confirm that you have the highest interest rate. Making an investment in GICs where the interest rate is in keeping with the stock market conditions, rates can differ subject to the market situations. It provides the investor the likelihood to possibly opt for a steeper rate consequently earning more cash so long as the economy is flourishing.

These companies consistently make an investment of the amount you invest in the GIC, by loaning it to other financial institutions at a much higher rate of interest as opposed to the rate they give you, that helps them to earn a nice gain. Make sure you contrast your investment choices by assessing the overall income from a given GIC. Once your investment relies on fiscal environments, risk is bigger. Even so, you do not forfeit the upfront sum. Taxation for GIC interest happens to be on the higher side. Many people hope to get the right solutions at the time of getting ready for our future, in particular our post retirement years. Guaranteed Investment Certificates have been a strong way to invest with safer earnings.

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Woman finds human finger in bowl of chili at Wendy’s restaurant
Jul 11

Thursday, March 24, 2005

San Jose, California — A woman eating a bowl of chili at a Wendy’s restaurant bit into a chewy bit that turned out to be a human finger. She immediately spat it out, warned other patrons to stop eating, and upon recognizing the object as a finger, vomited.

“I’m more of a Carl’s Jr. person,” the 39-year-old Las Vegas woman, Anna Ayala, told Knight Ridder. She said this incident was her first visit to a Wendy’s restaurant. Ayala described how she found the finger, “Suddenly something crunchy was in my mouth,” she continued, “and I spit it out.”

According to Devina Cordero, 20, after Ayala found the finger, she ran up to her and Cordero’s boyfriend and said, “Don’t eat it! Look, there’s a human finger in our chili.”

“We went up to the counter and they told us it was a vegetable,” Cordero continued. “The people from Wendy’s were poking it with a spoon.”

The restaurant is located at 1405 Monterey Highway, just south of downtown San Jose.

Wikinews reporter David Vasquez drove his car up to the drive-thru menu and found that chili was still on the menu, at a price of US$1.19 for a small serving. He also witnessed workers unloading supplies from a semi-trailer truck in the restaurant’s parking lot, and carting them into the back door of the establishment.

According to Ben Gale, director of environmental health for Santa Clara County, the finger did not come from any of the employees at the restaurant. “We asked everybody to show us they have 10 fingers and everything is OK there,” he said. The found portion of the finger likely belonged to a woman because of its long and manicured fingernail, also found in the food.

Officials seized the food supply at the restaurant and are tracing it back to the manufacturer, where they believe the finger may have gotten mixed in with the raw ingredients used to prepare the chili. The restaurant’s operators were later permitted to re-open after preparing new chili prepared from fresh ingredients.

As this story was filed, there was no mention of the incident on the Wendy’s corporate web site. Wendy’s issued a statement through a spokesman.

“Food safety is of utmost importance to us,” said Wendy’s spokesman Joe Desmond. He referred to the incident as an “unsubstantiated claim.”

“We are cooperating fully with the local police and health departments with their investigation. It’s important not to jump to conclusions. Here at Wendy’s we plan to do right by our customers,” Desmond said.

According to county health officials, the unfortunate woman who bit into the finger is doing fine, despite her initial reaction. Officials also noted that the finger would have been cooked at a high enough temperature to destroy any viruses.

The Santa Clara county medical examiner reported that the finger had a solid fingerprint, although investigators did not say if a search of fingerprint databases would be performed to find the owner of the finger.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
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Thousands evacuated after chemical truck overturns in Pennsylvania
Jul 11

Saturday, March 21, 2009

A tractor-trailer carrying 32,000 pounds of hydrofluoric acid overturned on a northeastern Pennsylvania highway early Saturday morning, prompting the evacuation of about 5,000 people. The truck, registered to the Honeywell company, flipped over at about 2:40 a.m. after the driver swerved to avoid a deer.

The pressurized acid began to leak after the vehicle flipped over onto its side on Route 33 in Plainfield Township, but Northampton County authorities said Saturday the nobody was injured and the leak was contained by noon.

Residents were evacuated as Hazmat officials were brought in to clean up the site. Inhalation of hydrofluoric acid can be fatal, and low doses can irritate the eyes, nose and respiratory tract.

But Northampton County Administration Director John Conklin said the leak was slow-moving, and not enough of the chemical leaked to create a toxic cloud.

“This will be over real quick,” Conklin told CNN International.

Hundreds of evacuees were taken to the Pen Argyl Area High School in nearby Pen Argyl, but Conklin anticipated they would be able to return to their homes by the end of the day.

Hydrogen fluoride is a hazardous and highly corrosive chemical compound used mostly for industrial purposes. It is also an ingredient in high-octane gasoline, refrigerants and light bulbs.

The driver of the truck, Raymond Leblanc, 54, of Harrow, Ontario, was treated at Pocono Medical Center in East Stroudsburg for minor injuries and released Saturday. A passenger, Joseph Dault, 51, of Ontario, was not hurt.

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What’s The Buzz About Cohesive Implants Vs. Silicone…} May 28

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What’s the buzz about cohesive implants vs. silicone…



What distinguishes cohesive implants is that the silicone gel is firmer, essentially a soft solid. If a cohesive implant is cut in half, there is no gross movement of gel, and the implant maintains its shape.

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The way these are made is that the company uses more “crosslinker” in the making of the implant. The ingredients are the same, but with more crosslinker added, it makes the gel firmer.

Unfortunately, given the recent media attention to cohesive implants, many are using the term to describe “regular” silicone gel implants. Technically, they are correct; all silicone gel is cohesive to some degree. But the term cohesive has always meant form stability, and when patients ask for cohesive gel, it is because they are looking for an implant with those particular characteristics of durability and shape retention. Hopefully, the terminology will be clarified in the coming years.

Silicone or cohesive implants. Which did you use and why???

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18-year-old charged for Thanksgiving lesbian assault
May 28

Monday, November 26, 2012

An 18-year-old man, Travis Hawkins Jr., was charged yesterday by police in Mobile County, Alabama, for allegedly beating a woman who is romantically involved with his sister. Hawkins was bailed following a charge for second-degree assault.

Mallory Owens, 23, the victim of the attack, is in the USA Medical Center in Mobile, recovering from the injuries. Owens has had to have facial reconstructive surgery and had a broken nose from the assault during Thanksgiving. Owens’ family have told reporters they believe it to be a hate crime and called for the prosecutors to upgrade the charges against Hawkins.

The father of the arrested man, Travis Hawkins Sr., has said they have hired a lawyer for his son, Hawkins Jr.

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Wikinews Shorts: April 9, 2007
May 28

A compilation of brief news reports for Monday, April 9, 2007.


  • 1 Three-year-old New Zealander chokes to death on candy
  • 2 Golf: Zach Johnson wins 71st Masters
  • 3 New York couple taking taxi to Arizona
  • 4 Vocational nurse charged with fatal Houston fire
  • 5 Iran starts industrial-scale production of nuclear fuel

The New Zealand Police has reported that a three-year-old boy choked to death on Saturday afternoon, due to what they believe was a piece of candy at his birthday party.

The parents did call New Zealand’s emergency number, 1-1-1, after their son alerted his parents to the fact that he was choking. The paramedics were unable to revive the Napier boy when they arrived at the scene.

The case has been referred to a coroner.


Relatively unknown golfer Zach Johnson won the 71st Masters Tournament in Augusta, Georgia. Johnson shot 3-under-par 69 in Sunday’s fourth round, to win by 2 strokes over Tiger Woods, Retief Goosen, and Rory Sabbattini.

Johnson won a purse worth US$1,305,000 and a lifetime qualification to the Masters Tournament, held annually at the Augusta National Golf Club.


A couple living in New York City have decided to take a taxi all the way to Arizona. Betty and Bob Matas are retiring and leaving the city for good. What started as joke, has become reality, in part to spare their cats from traveling in a jetliner cargo-hold. They have negotiated a US$3,000 flat fee instead of the metered rate, which was estimated at US$5,000.


A vocational nurse working for Dr. John Capriotti, a plastic surgeon, was accused of setting the fire that wounded several and killed three people in Houston, Texas on March 28. She was allegedly trying to cover up the fact that she hadn’t completed the paperwork for an upcoming audit.

The fire began in Dr. Capriotti’s office on the fifth floor and quickly spread to the sixth. Arson investigators from the Houston Fire Department, the FBI and the Federal Bureau of Alcohol, Tobacco, Firearms and Explosives had been working to determine the source of the fire.


Iran announced that it has started industrial scale production of nuclear fuel involving hundreds of centrifuges. The announcement comes as President Mahmoud Ahmadinejad reasserts his nation’s nuclear rights in the face of two rounds of sanctions by the UN Security Council, which is seeking a halt to such work.

The United States denounced the declaration, saying it showed Iran was defying the international community.


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Cosmetic Dentists In Beverly Hills Will Brighten Your Smile With Invisalign} May 22

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Submitted by: Harley John

There are many people all over the world who have bad teeth. The thought of having their teeth and mouth full of wires and brackets prevents them from seeking treatment. No one finds the idea of having wires in their mouth appealing and hence is driven away from going to the dentist for their regular checkup as well. However invisalign is an alternative approach to the braces and wires that are generally used. Invisalign consists of acrylic (clear) aligners which are invisible.

Many dentists all over various states in the United States of America have begun to make use of invisalign on their patients. This has helped many people to visit their dentists and get the appropriate treatment that they require. Invisalign has been helpful and has helped a great number of people by giving them a beautiful smile and the confidence that they need for being able to live their lives happily. Invisalign is a tool that can correct any kind of spacing problems that people have in their teeth. Even if there exists crowding problems, these too can be fixed with the help of invisalign and people then do not have to suffer anymore.

Doctors have noted that the reason behind patients too loving invisalign is because the clear braces help them in perfecting their teeth and giving them that smile which they have always longed for. They no longer have to compromise on anything and are also free from having to suffer from the metal of the typical braces that are worn.

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Traditional braces are something that most people are not very open to the idea of. No one likes the idea of their teeth being covered with a lot of metal wires and brackets. This particularly applies to children as they tend to get bullied from their peers at school. Adults too lose the confidence they need and feel as though they no longer have the professional appearance they once did. All these things are what dread people from having to wear traditional braces.

Invisalign helps by perfecting ones teeth without the use of metal. These aligners are invisible and are hence not visible to anyone else. This helps in people wearing these at all times or whenever need be and they are able to do so without having to worry about having to be self conscious when they smile or talk in front of company.

Getting invisalign is not a very difficult process. In fact, all that you are required to do is schedule an appointment with a cosmetic dentist and discuss what you are looking for. Considering what you want, the dentist will then inform you whether or not invisalign is the way to go and if it is the best treatment for you. If so, the further processes will start and you will be on the road to having perfect teeth.

The results that you get with the help of invisalign are absolutely remarkable and worth considering. The beautiful smile that results is breath taking!

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Adam Air hits severe financial problems; may be shut down in three weeks
May 22

Monday, March 17, 2008

Indonesian budget airline Adam Air has been given a three-week ultimatum by the authorities to prove its economic stability or its license will be revoked, said Transportation Minister Jusman Djamal. This is because major financial difficulties have become apparent today, with two major shareholders pulling out of the company.

PT Global Transport Service (GTS) and Bright Star Perkasa, who between them own a 50% stake in the company, have decided to sell back all their shares to their original owners, who control the other 50%. These are the family of founder Adam Suherman and Sandra Ang.

The companies invested in the airline last year, when the company was struggling after the New Year’s Day disappearance of Adam Air Flight 574 with 102 on board. The Boeing 737 (B737) was ultimately determined to have crashed into the sea near Sulawesi, and all on board are presumed dead. Shortly afterwards, Adam Air Flight 172, another B737, snapped in half during a hard landing, but held together preventing fatalities. These were not the first serious accidents for the company, as in February 2006 Flight 782 became lost for several hours after navigation systems failed and the plane entered a radar blackspot, forcing a subsequent emergency landing many miles from the intended route. The given reasons for the withdrawal are a lack of improvement in safety and financial irregularities.

The company has now also defaulted on debt payments to aircraft lease firms, resulting in 12 of their 22 planes being seized, and has cut the number of routes served from 52 to 12. The remaining ten planes are also in default and at risk of seizure. Adam Air owes leasing companies US$14 million compared to free capital of $4.8 million of free capital. They have agreed to buy back shares gradually for $11 million (100 billion rupiah), $6 million less than the investment firms paid for them. The cost difference will be borne by Harry Tanoesoedibyo’s family, the founder of PT Bhakti Investama, of which GTS is a wholly owned subsidiary. The companies have also lost 157 billion rupiah worth of investment in the company since the April 2007 deal. 9,325 Rupiah are currently worth US$1.

GTS director Gustiono Kustianto said that “Since we joined, our priority has been safety” but that Adam Air’s management had been unresponsive to pressure from the new investors to improve its poor record. Last weeek another company B737 shot off the runway during landing, damaging the plane and injuring five.

Lawyer Marx Andryan of Hotman Paris Hutapea, representing the investment firms, said they have documents proving the company has not adequatly seen to pilot recruitment, maintenance and insurance.

Suherman said “We have defaulted and the investors have done nothing about it. We’ll continue to operate as long as we have planes,” adding that there are no current plans to declare bankruptcy.

“Out of 22 planes, now we only have 10 because 12 of them have been declared in default. The other 10 have been declared in default as well, but I’m still trying to work out a way to restructure the payments,” he told Reuters. He went on to say that a cash injection is required, and that “There is a possibility starting on March 21 Adam Air will temporarily cease operations until there is a decision from the shareholders regarding the insurance premium.”

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Nigerian jet attacks refugee camp, killing dozens
May 22

Wednesday, January 18, 2017

A Nigerian Air Force jet fighter mistook refugees for rebels yesterday, Nigerian military said, firing on a camp in Rann, Borno State. Dozens of refugees and aid workers died.

The lowest estimate from Médecins Sans Frontières (MSF) is of 50 dead. The BBC estimates at least 52 dead, while one Borno State official is attributed by AP as saying over 100 are dead. MSF say at least 200 were wounded.

The Red Cross said at least six of its staff died and twelve more injured. The impoverished region, in the northeast of the nation, has suffered severe famine as conflict interrupts agriculture. Farmers are unable to work owing to bombs on their land. The Red Cross said volunteers were at the camp, home to thousands, to distribute food.

The military said the Air Force was dispatched to deal with “remnants” of the Boko Haram militant group, which it claims to be in a final push against. Major General Leo Irabor, who led the operation, said, “Unfortunately, the strike was conducted but it turned out that other civilians were somewhere around the area and they were affected”. Irabor said two soldiers were amongst the dead and others were wounded.

Military spokesman General Rabe Abubakar said the military are “all in pain” after the disaster, adding “in a military operation such as this, from time to time these things do occur.” Irabor promised an investigation. President Muhammadu Buhari said he was saddened by “this regrettable operational mistake” and sought calm.

“This large-scale attack on vulnerable people who have already fled from extreme violence is shocking and unacceptable,” MSF operational chief Dr Jean-Clément Cabrol said. The Red Cross said it has staff and facilities ready in neighbouring Cameroon and Chad to assist. “The whole camp is controlled by the army and no one can come in or out without being checked,” said MSF head of emergencies Hugues Robert. Robert added the group knew travel and work in the area was dangerous, and took precautions.

Helicopters have been evacuating the wounded, including a United Nations helicopter which brought four medical personnel and 400kg (900lb) of emergency medical aid, and left with eight wounded Red Cross workers. The UN is in the midst of an appeal for aid to the famine-hit region.

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James Brown dies of pneumonia
May 22

Monday, December 25, 2006

James Brown, often referred to as the Godfather of Soul, died in Atlanta due to congestive heart failure, combined with pneumonia. His death at age 73 was announced by his agent. After his dentist noticed something unusual with him, Brown was told to visit a doctor immediately. He was taken into the hospital yesterday for treatment of his pneumonia until his death at around 1:45 AM (6:45 AM GMT). It is not known whether he received a pneumonia vaccination, as recommended for people of his age.

He was born in 1933 and grew up in poverty until he formed James Brown & The Famous Flames. His influence on 20th century music, from funk to hip hop was profound.

Before he died, he scheduled a New Year’s Eve concert series in New Jersey and New York that would help kick off a 2007 tour.

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