HSBC targets first-time buyers with 90% mortgage
(Guardian) First-time buyers are being targeted with a new range of mortgages fromHSBC, which is making £350m of lending available to borrowers with small deposits.
The bank has launched a range of fee-free mortgages with a maximum loan-to-value (LTV) of 90%, including a market-leading lifetime tracker. The bank is reserving £250m of its lending for first-time buyers until the end of the year.
The mortgages include a two-year fixed-rate loan at 4.49%, a five-year fix at 4.89%, and the lifetime tracker, which tracks at 4.09% above bank base rate. For those with a 15% deposit there is a two-year fix at 4.29%, a five-year fix at 4.69% and a lifetime tracker at 3.49% above base.
FBI Records Talk Radio
(Infowars) If you call in to the Alex Jones Show or hundreds of other talk radio stations around the country that maintain a web presence, there is a good chance the FBI will recorded you.
Mark Weaver, writing for WMAL talk radio in Washington, D.C., reports that the FBI has awarded a $524,927 contract to a Virginia company to record all the internet broadcast talk radio it can find.
“This doesn’t give us any enhanced capability, prying into or any ‘big brother’ concerns because this is information that’s being put out on the airwaves,” FBI spokesman Paul Bresson told WMAL.com. “Its very important to our investigators to know what’s being reported.”
What is a Republic?
(wIKIpedia) A republic is a country with a specific form of government, in which the people, or some significant portion of them, have supreme control over the government and where offices of state are not granted primarily based upon family, military, or business connections.[1][2] In modern times, a common simplified definition of a republic is a country where the head of state is not a monarch.[3][4] The word republic is derived from the Latin phrase res publica, which can be translated as “a public affair”, and often used to describe a state using this form of government.
Next In Line For The TSA? A Thorough ‘Chat-Down’
(NPR, Posted August 16, 2011) Boston’s Logan International Airport will become the first in the nation this week to require every single traveler to go through a quick interview with security officials trying to spot suspicious behavior.
Until now, the so-called behavioral profiling — used successfully in Israel — has been used only sporadically in U.S. airports. As the system expands, so are questions about how behavioral profiling works, and how effective it might be in the U.S.
Unlike the usual security pat-down, the profiling process is what you might call a “chat-down.”
A blue-uniformed Transportation Security Administration (TSA) officer begins with a friendly “Hi, how are you?” and then spends a minute or two peppering passengers with basic questions like where they’re going, for what and for how long.