August 13, 1979 - USA

    After Watergate and President Nixon's downfall, President Ford promised to listen and cooperate with Congress. At the time Congress was predominantly Democrat and Ford was a Republican, so the relationship was particularly challenging. During Nixon's presidency the limits of executive power verses the power of Congress had been a huge issue.

    August 13, 1985 - Dublin, Ireland

    Jamie Gavin, age 3, of Dublin, Ireland, became the world's youngest heart and lung transplant patient in a four-hour operation at Harefield Hospital, Middlesex, England. He suffered from a congenital heart disease which had also progressively damaged his lungs. The surgeon, Britain's leading transplant specialist, was Egyptian-born Magdi Yacoub, who had previously performed 19 similar procedures. When Jamie died in Jul 1992, he was believed to be the world's longest-surviving heart and lung transplant recipient. In 1986, a 30-month-old boy became the youngest to have a heart-lung transplant.



  • Happiness
    by Thomas Jefferson

    "...Our greatest happiness does not depend on the condition of life in which chance has placed us, but is always the result of a good conscience, good health, occupation, and freedom in all just pursuits...."
  • Until a man duplicates a blade of grass
    by Earth Day, Thomas Alva Edison Inventor

    "...Until a man duplicates a blade of grass, Nature can laugh at his so-called scientific knowledge. Remedies from chemicals will never stand in favorable comparison with the products of Nature, the living cell of a plant, the final result of the rays of the sun, the mother of all life...."


  • Drug Abuse
    about Facts about Drugs

    Facts about drugs can protect against drug abuse. Legal drugs, such as alcohol and tobacco, kill more people than illegal drugs. Tobacco (smoking cigarettes) kills more people than any other drug. Illegal drugs including heroin, cannabis, ecstasy and amphetamines can have unknown or dangerous ingredients. Mixing drugs, especially with alcohol, can be fatal. Harvard Medical School
    about Eyesight Myth and Fact

    Myth: Staring at a computer screen all day is harmful to the eyes. Fact: Spending the day staring at a screen can tire or strain your eyes, but it will not hurt them. Make sure lighting doesn't create a glare on your screen. When spending long periods at your keyboard, take a break now and then to rest your eyes to reduce fatigue. Also, don't forget to blink. Your eyes need to stay lubricated to feel comfortable.

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Are you shopping for the best Canada Mortgage product? Discover the requirements for a Canada loan. One thing to consider is your credit history. If your credit score is low, you can work to improve it.
Article Content :Before you can be approved for a Canada Mortgage, the mortgage company considers four elements. They make a careful analysis and evaluation of your income, credit history, the property being purchased, and the down payment on the property. This will help the Canadian lender decide if he will make you a loan. Having a stable income is very crucial. This is the first thing that the lending institutions require. It does not matter if you are running your own business or are employed, as long as you can present the requirements such as Notice of Assessment Forms issued by the Canada Revenue Agency. If you are employed, you will also present a certificate of employment and the latest two months of pay slips. The purpose of the Notice of Assessment Forms is to authenticate your claim of regular income and tax payments. Besides the documents, the lending institutions will also have an authorized person to call your office and confirm your employment. Lenders will also look into your capacity to make your monthly payments in case you are granted with mortgage loan. The factors that lending institutions take into account are how many people in your family, how long you have had work, monthly bills and other payments you need to make. Generally, mortgage lenders use a formula to determine how much of a mortgage you can be approved for. Two elements come into play for you to qualify for a Canada Mortgage, namely, the Gross Debt Service Ratio. GDS, and the Total Debt Service Ratio, TDS. The GDS is the highest percentage of your gross income allocated as payment for the costs of maintaining the house. To this ratio belong the principal and interest mortgage payment, property taxes, heating and condo or apartment fees. It is important that your monthly expenses do not exceed 32% of your total monthly income. TDS on the other hand is the highest percentage of your gross income that is used to pay the GDS and all other financial debts. To this ratio belong all other loans, credit cards payment, and everything from the GDS. To qualify for Canada Mortgage, it is important that your TDS does not exceed 40% of your total gross monthly income. The mortgage lenders also review your credit score. In fact, whenever the subject is about loans and finances, the credit history is an essential consideration. If you are not sure of your credit standing, there are websites that offer free services to calculate it. If your credit score is imperfect, you can use the programs created for re-building your credit history. The real estate property to be mortgaged is a critical matter. Mortgage lenders are concerned with the physical appearance and quality of the property. Generally, they conduct a thorough inspection of it. The real estate property to be mortgaged is the only collateral that lenders have from the mortgage loan, and from you. Hence, a property appraisal is necessary to ensure that the house and lot, condominium or townhouse will still be fit for re-sale in case you default. Generally, the down payments are not a constant requirement since there are mortgage program that can cover 100% financing. However, if you have 20% or more of the purchasing price, the Canada Mortgage lender will not require default insurance.
Author Title :Syndicate Mortgages
Author Desc :Do you need further details about Canada mortgage? Come to syndicatemortgages. You can check all mortgage services we have for you. We also have different articles that give you details about Canada mortgages.


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