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NAIROBI Mats Sundin Toronto Maple Leafs Jersey , Feb. 26 (Xinhua) -- Kenya's wildlife agency has teamed up with conservation organizations to hold a week-long festival starting this Saturday to raise awareness of wildlife protection among the public and celebrate the country's wealth and natural heritage in wildlife.

First of its kind, the Kenya Wildlife Festival, hosted by Kenya Wildlife Service (KWS), will be held from Feb. 28 to March 3 -- the World Wildlife Day.

""The Kenya Wildlife Festival is an opportunity for all Kenyans to learn about wildlife through a variety of means, including music, theatre Leo Komarov Toronto Maple Leafs Jersey , debates, films, and citizen science projects,"" KWS said in a statement on Thursday.

The Festival comes as wildlife are facing challenges such as habitat loss, poaching, human wildlife conflict Lanny McDonald Toronto Maple Leafs Jersey , climate change and illegal trade, which KWS said threaten the future of wildlife heritage and the survival of some of the most charismatic species.

""For instance, three of the ""Big Five"" -- elephants, lions, rhinos, cheetah and several antelopes Kris Versteeg Toronto Maple Leafs Jersey , are under extreme threat,"" it said.

""Most of the vital wilderness areas including forests, savannas, rivers and lakes, as well as marine environments are under heavy pressure and are increasingly becoming highly degraded,"" it added.

KWS and WildlifeDirect Johnny Bower Toronto Maple Leafs Jersey , a Kenya and U.S. registered charitable organization, will on Saturday stage the Ndovu Zetu, a concert for elephants at the United Nations (UN) compound in Nairobi, and have invited artists from Tanzania, South Sudan and Congo to perform.

""We are excited to be hosting a show just for elephants,"" said Paula Kahumbu Joffrey Lupul Toronto Maple Leafs Jersey , CEO of WildlifeDirect.

""We're doing this for elephants because we love them. Like humans, elephants feel, worry, play, hurt, mourn Jhonas Enroth Toronto Maple Leafs Jersey , remember."" Kahumbu said.

Kahumbu said the Ndovu Zetu Concert showcases the talent and passion of young musicians who are willing to share their musical gifts to benefit elephant conservation and environmental sustainability.

In 2013, the UN General Assembly proclaimed March 3 as World Wildlife Day to celebrate and raise awareness of the world's wild fauna and flora.

Wildlife is the major tourist attraction in Kenya and generates around 12 percent of the national Gross Domestic Production and employs over 300,000 people.


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Finance > Insurance > Home InsuranceChoosing The Right Home Loan

Posted by nick_niesen in Finance on October 29th James Van Riemsdyk Toronto Maple Leafs Jersey , 2010

When shopping for a residential mortgage loan, most homebuyers simply focus their attention on the mortgage interest rate. They watch mortgage rates daily, making note of any movement in the mortgage rates, trying to predict a trend in what direction it looks like rates will move in the upcoming weeks or months.

The mortgage rate paid by homebuyers is clearly an important factor but it is only one element that will determine your monthly mortgage payment.

Another important factor (that you can control) that will play a part in determining your mortgage payment is the duration of the home mortgage loan (for example 30 years vs. 15 years).

Amortizing your home loan over 30 years is standard, but there are other options that will play a big part in your monthly payments as well as how quickly you build equity in your home.

If you amortize your home loan over 15 years, for example Jake Gardiner Toronto Maple Leafs Jersey , your mortgage payment will be higher but you will build equity more rapidly and also be able to find a lower interest rate. Assuming that you could lock in at an interest rate point lower when going with a 15 year note your monthly payments would be about 35% more, which sounds like a lot but your interest expense over the duration of the loan will be about 60% less and could save you hundreds of thousands of dollars in the long run.

In summary, a 15 year mortgage loan will reduce the total interest you pay and accelerate up the rate in which you build equity in your home, regardless of the interest rate (even though a lower rate will indeed be in reach when amortizing over 15 years vs. a standard 30 year fixed rate mortgage). If your budget allows you to finance your home purchase over 15 years, it is something you should certainly consider. In the long run it will save you thousands.

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