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Many people go out in search of new home without realizing that it can be difficult to get approved for a home mortgage. You will need good tips to help get you caught up if you are in the dark about this subject. Read on for great home mortgage tips that anyone can use.
While you're waiting for the closing on your preapproved mortgage, don't go on any shopping sprees! Your credit reports and score are likely to get checked again in the final few days before finalization, and if there's a spike in new activity, the lender might change their mind. Save the spending for later, after the mortgage is finalized.
As a neurologist, I've long held that empathy for and connection with animals is an important part of our social development. But can being with animals actually improve our well-being?
In the 1970s, researcher Erika Friedmann and her colleagues made a startling discovery. They followed 92 patients who were discharged from a Coronary Care Unit after having a heart attack or chest pain from heart disease. Their question was how does social support affect the patients' survival at one
GE, Trade Bank of Iraq (TBI) and Standard Chartered Bank (SCB) have signed a financing MoU to accelerate the development of power and infrastructure projects in the country.
The MoU also underlines the financial partnerships formed by GE with global and local financial institutions to speed up power and infrastructure projects in the country. Earlier this year, a similar financing agreement with the three entities had facilitated the completion of the first phase of the Power Up Plan signed by GE with the Ministry of Electricity to deliver and secure more than 700 MW of power to the countrys grid.
GE has the unique ability to structure financing solutions through its global network of banking partners and multiple international export credit agencies. Over the past year, by working with different Ministries in Iraq, GE has attracted more than nine major global export credit agencies to Iraq resulting in significant project investment commitment.
Aziz Koleilat, president & CEO Iraq & Levant of GE, said: The financing MoU marks our long-term commitment to Iraq to support the government in driving power and infrastructure enhancements and in undertaking new projects that contribute to sustained economic growth. The new MoU follows the successful completion of the first phase of our Power Up Plan, which we had similarly supported with TBI and SCB, and now helps in meeting the critical power needs of Iraqi people. By bringing international and local banks to drive financing in the country, we will work to implement the key developmental priorities of the government.
Faisal Al Haimus, chairman of the Board & acting CEO of TBI, said: The MoU is a strong example of our commitment to support our nations progress. Assuring a reliable infrastructure is central to boosting growth and adding to the welfare of our people. We will work with our partners in ensuring the financing support outlined in the MoU will contribute to the nations infrastructure development, especially in the power sector. Ahli United Banking Group- Kingdom of Bahrain will take a risk participation of the club deal as a secondary financier along with the primary financiers being Trade Bank of Iraq and Standard Chartered Bank making it the first club deal in Iraqs banking history.
Ahmad Abu Eideh, CEO, Middle East Jordan, Egypt Iraq and Lebanon of Standard Chartered Bank, added: For Standard Chartered, the Middle East has been part of our strategic footprint for over 90years. This MoU is a testament to our commitment to Iraq, an increasingly important economy in the region. Standard Chartered had launched its operations in Iraq in November 2013 by opening its Iraq head office and first branch in Baghdad - to be the only international bank to have full-fledged on-the-ground wholesale banking operations in Iraq.
The Iraqi government has demonstrated strong resolve in boosting the infrastructure of the country. The support extended by GE, TBI and the Bank in this new project financing MoU will help the nation in implementing strategic infrastructure projects.
With the support of the government, our partners and clients, we will continue to play a key role in bringing best international practice financial solutions to our clients operating in Iraq. Our main aim is to meet the increasing banking needs of our clients who are progressively more active in Iraq, notably in the power, oil, telecoms, infrastructure sectors and large government projects. Thus, participating in Iraqs growth, he added. TradeArabia News Service
Let's talk about hair Straighteners. Having healthy and attractive hair need not be a mystery. There are many easy steps that you can take to make sure your hair is always pleasant in appearance and in style. Here are some tips to help you create a stylish and lush head of hair that you can be proud of at all times.
It is okay to use styling products on your hair as long as you refrain from using them every day of the week. Use then every so often and make sure that they do not contain alcohol, which will only serve to damage hair and make it brittle and dry.
It is okay to use styling products on your hair as long as you refrain from using them every day of the week. Use then
Raise a glass of your favorite brew and toast the Swiss researchers who offer scientific proof for what you surely suspected and probably hoped.
Drinking beerdoesmake you friendlier, happier, less inhibited -- maybe even sexier, they report.
But thats not all.
We found that drinking a glass of beer helps people see happy faces faster, and enhances concern for positive emotional situations, said lead researcher Matthias Liechti, head of psychopharmacology research at University Hospital in Basel, Switzerland.
In other words, drinking beer might make you more social and more empathetic.
Researchers came to these not-so-sobering conclusions after studying 30 men and 30 women. Half were randomly assigned to drink enough beer to raise their blood alcohol level to about 0.4 grams per liter. (The amount was proportional to their body size.) The others quaffed a nonalcoholic brew.
Before and after, both groups performed various tasks, including facial recognition as well as tests of their empathy and sexual arousal. Both groups then switched roles and repeated the tests.
The upshot: The researchers found that people were more eager to socialize after a drink or two. This was especially true for women and for volunteers who had been more inhibited socially.
Drinking also made it easier for some people, particularly women, to look at sexually explicit images. But it didnt make them any more turned on, the study found.
The findings were published Sept. 19 in the journalPsychopharmacology. They were also to be presented Monday at the annual meeting of the European College of Neuropsychopharmacology (ECNP) on Monday in Vienna, Austria.
This is an interesting study confirming conventional wisdom that alcohol is a social lubricant and that moderate use of alcohol makes people happier, more social and less inhibited when it comes to sexual engagement, said Dr. Wim van den Brink, former head of the ECNP Scientific Program Committee.
Though he was not involved in the study, van den Brink offered several theories for differences between men and women. They could stem from differences in blood alcohol levels after the same amount of beer; differences in tolerance due to previous alcohol use; or socio-cultural factors, he said.
It should also be recognized that different effects of alcohol can be seen according to whether your blood alcohol is increasing or decreasing, and of course how much alcohol you have taken, he said in an ECNP news release.
But before you start chugging away, van den Brink pointed out that peoples emotions may not reflect their actual behavior while under alcohols influence. As Shakespeare noted inMacbeth, it provokes the desire, but it takes away the performance.
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