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e-Services – Governance

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Elets – A platform for disseminating creative ideas on ICT

Elets Technomedia is a technology media and research company that focuses on ICT in government, education, healthcare, agriculture and rural development sectors. Our mandate is to provide effective information on latest development in different ICT tools, techniques and their applications across our verticals through premier print publications, online portals and premier events, seminars, conferences and summits. Elets has created a name for itself as a technology media and research vendor of choice.

Strategies

To strengthen and facilitate knowledge sharing platforms engaging with partners across the globe through International conferences to provide cross-cultural grounding to stakeholders and participants To provide stakeholders with a platform to share models of best practice, knowledge and experience on a range of issues in the domain of ICT in Governance, Education, Health, security, Urban and Rural Development To mobilise the communities towards creating a digitally informed knowledge society based on shared understanding

Elets Focus Areas

Elets provides an unmatched versatility for working with multiple partners and consultants to mutually share knowledge. With a vision to provide effective information on latest development in different ICT tools, techniques and their applications across various verticals with focused reference to governance, education and health, we

a) bring niche monthly publications;

b) provide knowledge exchange fora and

c) conduct research projects, primarily through Events & Conferences.

Fannie Mae, Freddie Mac And Ginnie Mae – Who Are They

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Fannie Mae, Freddie Mac and Ginnie Mae are common names associated with federal lending and home loans. They have offerings that stem from no down payment home loans to helping dislocated residents of disaster areas, to providing assistance to the elderly. If you are any age and are considering a home loan, you’re struggling with mortgage payments and need assistance, or you’re elderly and cannot afford repairs on your home, one of these entities may be able to assist.

Who Are Fannie, Freddie and Ginnie?

The Federal National Mortgage Association (FNMA), better known as Fannie Mae, and the Federal Home Loan Mortgage Corporation (FHLMC), better known as Freddie Mac, are government sponsored entities (GSEs). Fannie Mae was originally a federal user established in 1938. In 1968, however, Congress passed legislation enabling the user to become a private enterprise. Freddie Mac was birthed in 1970 for the purpose of expanding the secondary mortgage market.

Fannie Mae and Freddie Mac are private corporations owned by shareholders. The funding for their operations is achieved through the sale of mortgage-backed securities (MBS), which are sold on the open stock market. In contrast, the Government National Mortgage Association (GNMA), better known as Ginnie Mae, is owned, operated and insured by the U.S. Government. Created in 1968, Ginnie Mae’s mission is basically the same as Fannie and Freddie. The main difference is that Ginnie’s operations do not depend on the sale of MBS for funding. Ginnie sponsored loans are fully backed by the U.S. Government.

The purpose of the three agencies is to buy mortgages on the secondary market to free up funding for banks and lenders to make more home loans. They don’t directly provide loans to borrowers. Instead, they buy mortgages from primary lending institutions that meet their lending standards.

Many lenders receive funding for mortgages from one of these agencies. The advantages of secondary lenders are that loans can be made with lower interest rates, and money is easily moved to enable anyone anywhere in the U.S. to obtain a mortgage, as long as they meet certain criteria.

What Do Fannie, Freddie and Ginnie Have to offer?

Fannie Mae, Freddie Mac and Ginnie Mae all fall under the oversight of the U.S. Housing and Urban Development (HUD) department. Generally, their charters are the same. They free up funding for primary lenders to make more home loans. In concert, they make housing more affordable to those who may not necessarily qualify for prime loans. Their overall mission is to assist single families, support and provide assistance to housing and neighborhood development, and generate capital in the open stock market. Their missions include making home ownership and rental housing more accessible and affordable.

Who Do Fannie, Freddie and Ginnie Offer It to?

You may become a recipient of products and services provided by Fannie, Freddie or Ginnie. One of the primary factors for consideration is your income and the geographic location in which you want to live or buy a home. If you are low- to moderate-income, you may be eligible for a no down payment home loan or low rent housing. You may be more qualified to obtain a home loan if you want to buy a home in a government designated area. These are typically areas with a significantly lower population than a metropolitan city; although, there may be other qualifications.

How does all this work? If you’re interested in buying a home, go to the Fannie, Freddie or Ginnie website and look for the link that takes you into a section about finding a lender. Follow the instructions to find a qualified lender. If you’re looking for an affordable rental, go to either website at FannieMae or FreddieMac and look for Support for renters or something about renting.

If you want to see all offerings available from each, go to the govloans website. If you’re a farmer, you’ll want to select Agriculture. For small business, you’ll want to make the Business selection. If your living situation was impacted by a disaster, like Hurricane Katrina, then you would select Disaster Relief. If you’re a Veteran, you’ll want to select Veteran. For all housing offerings, select Housing. Regardless of your home situation, Fannie Freddie or Ginnie may be able to help.

Indar 75 WSP Fungicide – The Accurate Way to Overcome Fungi

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Fungicides are natural compounds or chemical organisms that are simple one for inhibiting or killing fungal-spores or fungi-spores. In present time, Indar 75 WSP fungicides are the most excellent one and it is extremely accepted for its performance. Fungi may be the reason of serious harm in agriculture, resulting in severe losses of yield and thus it harms the profit as well as quality. It is used in agriculture and for fighting fungal sickness in animals. The chemicals used for defeating the oomycetes which are not fungi. Fungicides can be one of these like systemic, translaminar, or contact. Systemic one is used and is sorted out all the way through the xylem vessels to the upper areas of plant. Translaminar fungicides sprayed on the leaf surface to the lower part improvement the fungicide from the higher side and unsprayed outside. Contact fungicide is used for securing the plant where the spray is spread out.

Indar 75 WSP fungicides defeat apple scab, control rusts, powdery mildew summer sickness like sooty blotch, fruit brown rot, flyspeck in apples, blossom blight, peach-scab mummy-berry in blueberries, cherry leaf-spot in stone fruit, cranberry-fruit rot complex in cranberries, cottonball tip blight (Monilinia oxycocci). This one comes simultaneously with outstanding defense of the fruit as well as leaf by available on the leaf surface longer and fruit, defensive control with a small number of locally systemic as well as curative activity, powerful remaining activity, excellent rain stronghold, enhanced inherent action against the apple scab fungus compared than most supplementary fungicides, very good control of fruit illness such as , sooty blotch, brown rot on stone fruits and scab, flyspeck on apples and rusts.

As a result, take home this incredible brand which is known as Indar 75 WSP. This is the appropriate way out to overcome from fungi or fungus.

To know more please visit:Indar 75 WSP.

Is Composting The Future Of Landfill Diversion

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As there’s pressure from society regarding organic waste collection and the production of greenhouse gases mixed with targets of landfill diversion, a few are really trying to observe the manner in which they’ll attain their objectives. Generally, composting tasks are the greatest fix for creating landfill diversion initiatives, yet unless a local composting place exists already for getting the organic waste, not many can pay to construct a new place. A composting project takes a long time from idea to implementation. Before you can make an intelligent decision there are many things you should know.

Along with the beginning costs of a composting operation, earning community acceptance is critical. If locals complain about the smell, noise, more vermin, traffic, and fire risk, the task may be over prior to ever getting out of the committee.
Expenses include transportation, new procedure implementation, collection, quality control, consultation, tests, and more. After operating for a year, most find themselves over-budget.

It is another story in the Memphis area. A new in-vessel vertical composting unit has been designed by Agra Cycle. (VCU for short) named the Vee-Stack. While primarily operating within the UK and Australia, VCU’s has an over 30 years global presence, and is known for its extremely high composting standards. They have found ways to make the manufacturing process less expensive than those made overseas.
The Vee-Stack will help corporations and municipalities meet landfill diversion goals, provide greenhouse gas reduction, organic waste composting, and sustainable recycling and agricultural processes that provide carbon credits.Public Relations is where the key is. The PR for an environmentally sound, sustainable recycling project are enormous and timely. Composting is a bi-partisan activity which everyone can lend support to; and, it creates a better sense of community awareness. Those citizens who come forward without any motivations for improving the soil and cleaning the environment creates pride.

According to Agra-Cycle, “There are two keys to operational success using a Vee-Stack. The first is with the organic waste processing: there must be a balanced proportion of carbon and nitrogen. Then the pH values must be adjusted, followed by precise moisture control, and finally loading into the Vee-Stack. Agra-Cycle takes care of a big headache for the customer.

The second part happens with the normal draft induction process. Air enters the Vee-Stack from the bottom which greatly enhances the composting process in the chamber. If you know what a chimney fire is then you get a good concept of how the Vee-Stack operates. When thermal patterns increase in the stack, microbes which do well at greater temps become alive. In most cases this is referred to as the Stoichomatic range. For traditional composting techniques, these thermal ranges pose a fire threat and must be avoided no matter what, yet with in vessel building these temperatures are harnessed for process promotion. The fear of fire is eliminated from this process due to the high moisture content. The microbes eat all the smelly gases and hydrogen sulfides that create problems with other methods of composting. The machine basically functions as it’s personal bio filtration system. The Vee Stack is totally self contained; and, it even gathers and recycles leechate back into the system so that it can be composted, also.

Sustainable recycling involving local companies and communities, to prevent landfills, that is our goal. The Vee Stack can be custom made according to what you need and the size requirements. We also watch over, upkeep, manage the Vee Stack and take away the finished substance. Process your organic wastes consistently and for much less than you are currently paying for disposal by using the specialized knowledge and experience provided by Agra-Cycle.About ten tons of organic waste per day can be processed by continuous use of Vee Stack. The effects increase with the addition of more units. Depending on the organic waste used, the process can take between 14-21 days to complete.
Along with the said advantages, the cost incurred in getting rid of waste comes down by about 25%. Now this is how we define sustainable. Agra-Cycles is the sole proprietor of this technology and they are very committed to the mission of implementing sustainable recycling project in their home state of Tennessee, not as a preference but as a priority. Based in Tennessee, non-profit corporation Agra-Cycle promotes agriculture which can be sustained as well as providing resources of an educational nature. Every contribution is completely tax deductible. Please contact your tax professional for the most up to date tax laws.
Copyright 2010 Greg Traver

Laos – Strengths And Weaknesses

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Laos is one of the poorest countries in all of Southeast Asia with a great percentage of its people in poverty. It’s wedged in between two vastly larger and vastly more successful countries, leaving it in the dust in terms of economical growth and prosperity of its people. Laos has been fighting and gaining political independence, breaking free from its French Protectorate roots in 1949. Its civil war also brought it political freedom from communism in 1975. Laos is probably most familiar to Americans due to its role in the Vietnam War.

Laos is and always has been heavily dependent on its neighbors. Cities continue to grow due to trade but one of the biggest issues plaguing the country is its lack of infrastructure, a major weakness. There are hardly any railways to allow for the transportation of goods and, even though the major roadways have gotten paved in the past few years, most of the country is still only accessible through unpaved roadways. Communication also poses a problem as most of the area, outside of the major urban development, is inaccessible even to electricity, a weakness both to visitors and its citizens.

One of the major sources of pride to Laos is the Lao Brewery. There are 3 types of beer produced, all varying shades of the name Beerlao. Beerlao has actually grown in popularity across the globe and at the moment has 12 countries of export. This list is increasing and the effects are also helping to increase the country’s economy as a whole. Most of the GDP is still in the form of subsistence agriculture, equating for more than half and also provides 80% of the employment in the country. The government has been utilizing reforms and developing things such as International Rice Research Institute, one of the great strengths.

The Laos economy also receives aid from such sources as ICF, ADB, and other such international institutions. There have also been an increasing number of foreign investments to help grow Laos’ society and industry. Tourism is actually the fastest growing industry but on the flip side of what Laos has to offer, its smartest people are being taken away. In 2000 alone, they suffered a skilled emigration rate of 37.4% which has been a weakness to the industries. While Laos is considered a poor country with many citizens in poverty, it is high in valuable substances and commodities like rice, a key strength of the country. The country and foreign investors are working to help to grow Laos into a thriving nation. It you want to experience something truly amazing then Laos would be for you.