Wikinews interviews USA wheelchair curler David Palmer

Monday, April 8, 2013

Wikinews interviewed David Palmer, a member of the USA 2013 World Wheelchair Curling Championship team, about the 2014 Winter Paralympics being held in Sochi, Russia.

((Wikinews)) The US qualified a team for the Sochi Games. How likely are you to be on the final team? As these games would be your first, how excited are you about the possibility of representing your country?

David Palmer: It is very likely that I and the team that went to Sochi in 2013 will be the team in the Paralympics 2014 as long as no sickness or injury and we all continue to perform at our level.
DP: I am very happy and honored to represent my country. After competing in the last two world championships which were very exciting, I can not wait for the chance to compete at the Paralympics.

((WN)) Were you happy with your team’s fourth place finish at this year’s World Championships?

DP: I was happy with the way the team played, we all thought we should have medaled. We finished third in the round-robin with a record of 7–2 and the closest behind us was 4–5. We all made a few mistakes and did not finish as well as we would have liked, but we are looking forward to next year.

((WN)) What steps is the team taking to try to get a gold medal in Sochi?

DP: We will be training harder and hopefully playing more bonspiels (tournaments). Because this is a Paralympic year we hope to get more funding, to travel for more high level bonspiels. Because the team is scattered across the country it is hard to get together for practice and bonspiels so we have to do the majority of it on our own. We will be reviewing the tapes from the worlds [World Wheelchair Curling Championship] and video conferencing with team and discussing strategy and performance.

((WN)) Why do you participate in wheelchair curling? Why not wheelchair fencing, tennis, basketball or athletics?

DP: I do participate in other sports at a recreational level. I have done waterskiing, monosking, wheelchair tennis and basketball, handcycling. I played and competed in sled hockey for about 12 years, but I found as I got older and the competition got younger it was pretty physical on the body. I went and tried curling at Cape Cod Curling Club in 2009, I found that I not only liked it but I was also pretty good at it. A member there (Tony Colacchio) took me under his wing and showed me the possibilities there were to compete at the National level. I thought he was crazy at first, but four years later here I am curling on team USA and traveling the world.

((WN)) What is the nature of your disability? Do you use a wheelchair for most daily activities?

DP: I am a T4 Paraplegic, due to a motorcycle accident in 1993. Yes I am dependent on my wheelchair for mobility.

((WN)) How does being a parent impact your ability to compete at elite levels?

DP: I am married and have three children. Having a family does make it a harder to compete at elite levels, not only being away traveling, when I am home I am on the ice training a lot. But thanks to the support from my family I have been able to do so. Hopefully it has a positive impact on my children, showing them you can achieve anything you put your mind to.

((WN)) Does participating in wheelchair curling cost a lot money?

DP: Well that depends! At a recreational level, if you have a wheelchair already all you need is a delivery stick which is about $60.00 and to join a club which has dues usually 300.00 to 500.00 per year. To compete at the highest level, there is travel and lodging involved which can get quite expensive.

((WN)) How do you afford to compete at the highest level? Do you have any sponsorship deals?

DP: Getting started was tough, I got help through the members of cape cod curling club and a grant from Challenged Athletes Foundation (CAF) and some out of my pocket. But once I made the National team there is funding to help with expenses. I have no sponsorship deals at the moment, but I am open to negotiation!

((WN)) Do you think USA Paralympic competitors get enough financial support to enable the country to compete at the highest level? Is funding equitable in the United States across sports and competitor visibility?

DP: No, there is funding, but not nearly enough for an athlete to compete at the highest level.
DP: Not from what I hear. I believe the higher viewed sports get a lot more funding. I have been told curling is at bottom for funding.

((WN)) What are your thoughts on the classification system and processes for your sport? Do you know of anyone who has been impacted as a result of it?

DP: I am not really clear on how the classification system works. I feel that they should make it as equal as possible for everyone who competes in wheelchair curling. Everyone one has different disabilities and different situations, but as long as they are delivering the stone from a stationary wheelchair with a delivery stick from the same position it should be equal.
DP: I know of a young man from state of Washington who uses a wheelchair most of the time but is able to walk and has mobility, that he probably would not qualify for the national team.. Yet I know of a man in Canada that uses a wheelchair only for curling and competes on the National team.

((WN)) Have you gotten much media coverage? What do you think of media coverage for curling in general and wheelchair curling specifically?

DP: I Have had some media coverage from my locals newspaper, when I was competing in the worlds and when I made the National team.
DP: I do not think there is enough coverage for curling on television although there was quite a bit of coverage at the last Olympics, but not the Paralympics. I think if there were more coverage people would understand the sport better and perhaps grow to love it like I have. There is a lot more to it with strategy and skill than people think.

((WN)) What has been your favorite moment as a wheelchair curling competitor?

DP: I think this past worlds in Sochi was my favorite time. Curling at the Olympic Venue (which was state of the art Facility), being the first one ever to curl there was special. Being there when they played our national anthem and I was representing my country was priceless! All of the volunteers there were young college students, they were so friendly and helpful and were asking us for our autographs. I felt like a celebrity. I cannot imagine what the Paralympics are going to feel like! I just hope I am there!
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New faces emerge as veteran politicians step down in Hong Kong legislative election

Friday, September 9, 2016

The Hong Kong legislative election was held on Sunday, with a record-breaking turnout of around 2 million voters and turnout rate of 58%. The results show the anti-establishment camp successfully maintained a majority in the geographical constituencies’ seats thus veto power to any members’ bills, and also a minority larger than a third to veto any bills featuring major political reforms. Young and new faces emerged in the new council members, as veteran politicians stepped down in both the anti-establishment and pro-Beijing camps.

In the New Territories West geographical constituency, nonpartisan pan-democrat Eddie Chu was elected with 84,121 votes, the most given to any list in the geographical constituencies. Other anti-establishment candidates elected in this district were localist camp’s Cheng Chung-tai of Civic Passion, pan-democracy camp’s Kwok Ka-ki and Andrew Wan of respectively Civic Party and the Democratic Party. The pro-Beijing camp candidates elected were New People Party’s Michael Tien, DAB’s Ben Chan and Leung Che-cheung, FTU’s Alice Mak and pro-establishment nonpartisan Junius Ho. Two pan-democratic veteran politicians Lee Cheuk-yan of the Labour Party and Frederick Fung of ADPL were defeated in this constituency, with Junius Ho defeating Lee Cheuk-yan by around five thousand votes.

In the New Territories East geographical constituency, pan-democracy camp councillors Alvin Yeung from the Civic Party, Fernando Cheung of the Labour Party, Raymond Chan of People Power, and Leung Kwok-hung of LSD were successfully elected. Pan-democrat Lam Cheuk-ting from the Democratic Party and localist group Youngspiration’s Baggio Leung were successfully elected newcomers. For the Pro-Beijing camp, Elizabeth Quat of DAB was elected with 58,825 votes, the highest in the constituency. Other pro-Beijing candidates elected in this constituency were Gary Chan of DAB and Eunice Yung of New People’s Party. Pan-democrat Gary Fan of the Neo Democrats failed to get re-elected in this constituency, and resigned from his leadership in his party due to its election defeat.

File:Law Kwun Chung5.png

In the Hong Kong Island geographical constituency, pro-Beijing New People Party’s Regina Ip was re-elected with 60,760 votes. Other pro-Beijing elected were FTU’s Kwok Wai-keung and DAB’s Horace Cheung. Demosisto’s Nathan Law earned a surprise victory as second place in the constituency with 50,818 votes, and becomes the youngest Legislative Council member in Hong Kong’s history. The other two anti-establishment camp elects were Hui Chi-fung from the Democratic Party and Tanya Chan of the Civic Party, both considered to be in the pan-democracy camp. Pan-democrat veteran Cyd Ho from the Labour Party lost her seat in this constituency.

In the Kowloon West geographical constituency, pro-Beijing councillors Ann Chiang of DAB and Priscilla Leung of BPA were successfully re-elected, as well as pan-democratic councillors Claudia Mo of the Civic Party and Wong Pik-wan of the Democratic Party. The rest of the candidates elected in this constituency were young and relatively new activists from the localist camp, Lau Siu-lai and Youngspiration’s Yau Wai-ching. Yau Wai-ching defeated another localist camp candidate, veteran politician Raymond Wong of the Proletariat Political Institute, by 424 votes.

In the Kowloon East geographical constituency, pro-Beijing district councillor Wilson Or was elected with 51,516 votes, the highest in this constituency. Nonpartisan Paul Tse and Wong Kwok-kin of the FTU were successfully re-elected. Pan-democracy camp councillor Wu Chi-wai of the Democratic Party was elected. Civic Party’s Jeremy Tam was elected for the first time. Localist group Civic Passion’s Wong Yeung-tat was defeated in this district, and resigned his leadership in Civic Passion.

In the District Council (Second) functional constituency, commonly know as “Super District Council” seats, pan-democracy camp’s Kwong Chun-yu of the Democratic Party received 491,667 votes, the highest in this constituency. Other pan-democrats elected were Leung Yiu-chung of NWSC and James To of the Democratic Party. Pro-Beijing DAB’s Starry Lee and Holden Chow were successfully elected in this constituency, while pro-Beijing veteran politician Wong Kwok-hing of FTU was defeated by 10,694 votes by James To.

In traditional functional constituencies, the pan-democracy camp gained a seat from the pro-Beijing camp. Shiu Ka-chun of the Social Welfare constituency defeated their opponents, hence the pan-democrats’ seats in the functional constituencies increased from 9 to 10. Also, an independent who does not claim to belong to either camp, Edward Yiu of the Architectural, Surveying, Planning and Landscape constituency, defeated his opponents and was elected.

The turnout of this election was the highest in the history of Legislative Council elections, with around 2 million voters voted and a turnout rate of 58%. At a polling station in Taikoo of the Hong Kong Island constituency, after the polls closed at 22:30, with the long queues outside the station the last ballot there was cast at 02:30 the next day, four hours after the last person was allowed to join the queue. The previous general legislative election in Hong Kong was before the 2014 protests. The election elects 70 members of the Legislative Council.

Election Results
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Regal Magazine’s Top 10 Sports Legends

By Meta J. Mereday

With prolific careers and flamboyant lifestyles to their credit, our cast of stars in the favorites column of sports legends left indelible marks on our readers and in our history books. In ranking the favorite sports legends, past and present, we asked our readers to look beyond their favorite sport as well as gender in making their choices. Here are the results:

Muhammad Ali was the hands down number one choice for the top 10 sports legend. He personified sportsmanship in addition to bringing entertainment to boxing.

Another marquee athlete and definite financial draw for his sport is the second spot holder, Michael Jordan. As ‘Air Jordan,’ he propelled basketball to new levels as a sport and a marketer’s landscape.

At number three, Kareem Abdul-Jabbar brought a presence to basketball and a no-nonsense attitude and commitment to the game and the championships he helped to achieve both in college and in the pros.

[youtube]http://www.youtube.com/watch?v=5wck-tp19-A[/youtube]

Speaking of achievements, the fourth spot is held in reverence for baseball trailblazer Jackie Robinson, who selflessness and great sportsmanship paved the way for other players of color to participate in baseball. When he broke the color barrier in 1947, it began a new era for baseball and for the country.

And speaking about breaking barriers, Tiger Woods taking the fifth spot, whose achievements on the green as a phenomenal golfer should more than surpass his personal problems. His life should be a reminder to us all that even athletes are human and thus flawed. He helped take golf into circles where people of color were traditionally uninterested and largely shut out of the sport. We should continue to applaud his achievements in golf.

Back to the baseball diamond and the number six pick who is Henry ‘Hank’ Aaron. This quiet giant took a great deal of heat when he broke Babe Ruth’s home run record as he maintained his cool and continued to hold true to his character and exceptional team play.

At number eight, Oscar ‘The Big O’ Robinson, another dominant basketball player upon whose shoulders stands many talented athletes including Jordan and Abdul-Jabbar.

The women are not left out of the ranking as the remaining spots are future sports legends and another trailblazer.

With a tie at the number nine are two major tennis phenoms who are role models as well as sisters. Venus and Serena Williams have given African American girls and boys encouragement that they too can excel on the tennis courts both in the United States and abroad. Winning major titles including the U.S. Open and Wimbledon and making names for themselves as entrepreneurs, this enterprising duo have only just begun.

And it is only fitting that our top 10 list is capped off by another trailblazer and female tennis star Althea Gibson, whose courage and steadfast belief in her abilities despite the many odds made it possible for all that the Williams sisters and other players of color enjoy on the clay and grass courts of tennis.

As we look at these sports legends, we know that there are so many more who have made their mark on history and changed the way the games are played and the impacted the diversity of the players who are a part of them. We thank them all.

About the Author: Meta J. Mereday is a writer for

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Interview with John Sanderson, Regional Council candidate for Wards 3 & 4 in Brampton, Canada

Friday, November 3, 2006

The upcoming 2006 Brampton municipal election, to be held November 13, features an array of candidates looking to represent their wards in city council or the council of the Peel Region. The candidates for this region are John Sanderson, Susan DiMarco (this wards incumbent), Tibor Bankuti, Theo Goary and Sukhwant Thethi.

John Sanderson spoke exclusively to Wikinews via questions sent in an email. Mr Sanderson’s answers to some of the questions asked are below.

Q: List the three most important issues in your campaign.

A: Safer communities through effective enforcement;
Reduced traffic congestion through effective planning; and
Managed growth through effective plan development.

Q: What one election issue do you feel is most relevant to your ward in this election?

A: My motivation for pursuing pubic office is to ensure that our city has adequate infrastructure to support its rapid growth. Wards 3 and 4 include Highway 410, Steeles Avenue, Kennedy Rd., Highway 10, McLaughlin Rd. and Chinguacousy Rd, some of the most congested roads in Brampton. As a life-long resident of Brampton, the severe traffic congestion that we are experiencing today is unprecedented in our history – and is costly to our economy and quality of life. While canvassing, the common message received from residents in the ward is that we need to better manage traffic and transportation. As a Regional Councillor, I will be a strong advocate for smart and long-term transportation planning of the City of Brampton and Region of Peel and I will take immediate measures to help alleviate transportation congestion in our city. This includes the provision of an effective and efficient public transit system that is responsive to users’ needs, as well as implementing and promoting carpooling, to help reduce single occupancy vehicles on roadways. I am also not afraid to speak up about the issues of Brampton. As Past President of The Brampton Board of Trade, I can be a strong voice to the Provincial Government about their need to make transportation infrastructure a priority, particularly as it relates to expanding Highway 410 and better planning and coordination of transportation region wide.

Q: What qualities or experiences do you possess, that make you more desirable than the incumbent?

A:

Q: Why do you want to represent your ward on council?

A:

Q: How are you currently involved in the community?

A: John has been a volunteer his entire life. John understands that “Community” is about service.
From 2001-2002, John Sanderson served as President of The Brampton Board of Trade. He was first elected as a member of The Brampton Board of Trade Governing Council in 1992, and continued as an active member when he started his own company, J.W.S. Waste Systems Inc., in 1998. Through his many years as a member of the Board, John served on every Board committee, including 11 years on Governing Council.
As a model corporate citizen, John Sanderson and his former company, J.W.S. Waste Systems Inc. contributed extensively to various community initiatives through sponsorship and participation, including: Salvation Army; St. John Ambulance; YMCA Fundraising Committee; Brampton Clean City; Santa Claus Parade; Brampton Excelsiors Major Lacrosse Club (including 14 years on the Executive and two years as President); Rotary Club of Brampton; Brampton Scouts Leader; and coaching and managing various minor hockey and lacrosse teams. As a member of the Ontario Waste Management Association, John served as President from 1996-98, in addition to four years on the Executive.
Outside of his business, Sanderson is very well known through his active volunteerism with the Rotary Club of Brampton, where he has been a member for 15 years and on the Board of Directors for six years. With the Rotary Club, John has participated on: the Easter Seals Fundraising Committee; volunteer at the Rotary owned and operated bingo hall; Membership Committee, where he was recognized with an Membership Award in 2002; and Chair of the Gage Park Enhancement Committee, Brampton’s historic park and skating trail, sponsored by the Rotary Club of Brampton. John’s dedicated service to the Rotary Club was honoured in December 2001, when he was presented the prestigious Paul Harris Fellowship Award, the highest award given by Rotary International to recognize community service.
John Sanderson, more important than being a prominent businessperson is a true community leader. Through his active involvement in The Brampton Board of Trade and Rotary Club of Brampton, along with his many other community initiatives and activities, he has dedicated himself to improving the quality of life in Brampton. In 2002, The Brampton Salvation Army asked John to be its Kettle Campaign Chair. John’s goal was to surpass the 2001 total. He dedicated himself so heavily to the campaign, that through his business and community connections, helped raise $233,000 – $118,000 more than the previous year. This is typical of John Sanderson when he makes a commitment to help. John, being a modest man, is always quick to thank his dedicated staff at J.W.S. Waste Systems Inc. and caring wife and family, for supporting him as he dedicates, on average, over 50 volunteer hours a month to his various community activities.
Adding to his long list of accolades, in 2002, John was one of two individuals recognized nationally by the Canadian Chamber of Commerce as Volunteer of the Year. Later that year, he was also the recipient of the prestigious Queen’s Jubilee.

Q: The Rose Theatre recently launched. What are your thoughts on this facility? Have you had a chance to tour it yet?

A:

Q: The province has strongly encouraged the development of high-density residences near the downtown. Do these buildings fit in with your vision of the downtown? How much say should other levels of government have in urban planning?

A:

Q: How do you feel about Brampton’s rate of expansion? Council recently capped the annual amount of new development; do you agree completely with this decision, would you have slowed development even further, or not have imposed a cap at all?

A:

Q: What are your opinions on Brampton’s congestion and the level of public transit funding?

A:

Q: Why should businesses be attracted to locating in Brampton?

A:

Q: How could Brampton further itself in attracting corporate investment?

A:

Q: Why have you chosen to involve yourself in the political process?

A: John Sanderson knows that Brampton can truly become a great city with the right vision, drive and management. John Sanderson will bring his business savvy and a strong sense of community to the role of Regional Councillor, and will contribute a common sense approach to the management of this city.
As Brampton grows to 635,000 people over the next 15 years, we need strong leaders on City and Regional Council. We need people with vision. But most of all, we need people determined to make change happen, people who will listen and speak out on issues.

Q: What does Brampton mean to you?

A:
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Two British girls arrested for smuggling in Ghana

Thursday, July 12, 2007

Two 16-year-old British girls were arrested in Accra, Ghana earlier this month for apparently attempting to smuggle £300,000 worth of cocaine in laptop bags.

Yasemin Vatansever, of Cypriot descent and Yatunde Diya of Nigerian descent were arrested as they attempted to board a British Airways flight from the Kotoka International Airport on July 2, 2007. The arrest was by the Ghanaian Narcotic Control Board. They were alleged to be carrying 6.5 kg of drugs. They are currently in Ghana police custody and have been visited by British High Commission staff.

The girls who are both students from Islington, north London, had left home after informing their families they were making a school trip to France. They are expected to be charged with “possessing narcotic drugs and attempting to export drugs”, for which they could be jailed for up to ten years if found guilty.

The arrest is part of the Operation Westbridge project set up in November 2006 as a collaboration between the Ghanaian Narcotic Control Board and HM Revenue and Customs of the UK. It is to curb the influx of drugs into Europe and the UK through West Africa which is now being used as a transit point from South America. The project involves the provision of technical and operational expertise to the Ghanaian teams and training in the use of specialist scanning equipment. Ghana is the first country in Africa to introduce such equipment.

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Lets Discover About Best Medical Podcasts

We do not doubt that you are passionate about the medical profession, whether you are an inexperienced physician or skilled in your specialization. You know, keeping up to date with the latest developments, industry headlines, and just enjoying stories about medicine, science, and helping others are vital. Best medicine podcasts have been around for a long time, but as of late, they have gained new attention. Podcasts are the trendy new way to get your news and hear interesting stories and thoughts, with better than ever content. A list of the good medical podcastsfor healthcare professionals has been compiled by Explorethespacesnow. There is everything for everyone from tips for medical schools to medical news for doctors, and inspirational stories all over.

There are different types of medical podcasts according to their use in the medical field. For those that are thinking of entering med school or are already in med school, the Short Coat Podcast and internal podcast is perfect. Advocacy & medicine podcast offers insight into what medical school is like for patients. During med school, some of their new episodes touch on mental illness and why you have to risk all your outside desires to excel in med school. The podcast for the Undifferentiated Medical Student is about helping medical students select a medical specialization and plan a medical career. There is a wide list of career opportunities open to medical students, but the time to pursue them all is limited. The Clinical Problem Solvers is a medicine podcast that focuses on discussing diagnostic reasoning expert perspectives. A structure for addressing potential health challenges would be established by listeners. Each episode includes a case-based process to teach viewers about creating a diagnostic improvement network. Docs Outside the Box is the podcast that looks at the brains of creative and cutting-edge doctors. In any medical textbook, you cannot find these tales.

You get true, live input from males and females who expand the envelope beyond medicine. Emergency Daily Doctors Without Borders, a non-profit organization, operates the Daily Emergency podcast through which they talk to medical and logistics professionals working in places around the world where medical attention is most required. The Physician’s Doctoral Podcast Guide is a comprehensive guide for doctors and other healthcare professionals who are willing to optimize all facets of life and work. On a broad variety of subjects, ranging from mental intelligence and habit growth to social media and the present status of health care, physicians and non-physician experts are consulted.

The House of Pod features visitors with subjects that cover medical and social concerns. An episode sheds new light on the world of medicine.For healthcare practitioners out there, there are also other excellent medical podcasts that you can check out. Not only are they both fascinating and informative, but they can really help you think about the kind of doctor you want to be. When you have been researching or seeing patients for a bit, or simply when you need some fun, listening to them is a perfect way to take a break.

Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

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Two British girls arrested for smuggling in Ghana

Thursday, July 12, 2007

Two 16-year-old British girls were arrested in Accra, Ghana earlier this month for apparently attempting to smuggle £300,000 worth of cocaine in laptop bags.

Yasemin Vatansever, of Cypriot descent and Yatunde Diya of Nigerian descent were arrested as they attempted to board a British Airways flight from the Kotoka International Airport on July 2, 2007. The arrest was by the Ghanaian Narcotic Control Board. They were alleged to be carrying 6.5 kg of drugs. They are currently in Ghana police custody and have been visited by British High Commission staff.

The girls who are both students from Islington, north London, had left home after informing their families they were making a school trip to France. They are expected to be charged with “possessing narcotic drugs and attempting to export drugs”, for which they could be jailed for up to ten years if found guilty.

The arrest is part of the Operation Westbridge project set up in November 2006 as a collaboration between the Ghanaian Narcotic Control Board and HM Revenue and Customs of the UK. It is to curb the influx of drugs into Europe and the UK through West Africa which is now being used as a transit point from South America. The project involves the provision of technical and operational expertise to the Ghanaian teams and training in the use of specialist scanning equipment. Ghana is the first country in Africa to introduce such equipment.

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CanadaVOTES: Liberal Andrew Lang running in Toronto—Danforth

Saturday, September 27, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. Liberal candidate Andrew Lang is standing for election in the riding of Toronto—Danforth.

Raised with Liberal values, Andrew attended his first Liberal rally at age 6. He has worked 18 elections since that introduction to the political sphere, but this is his first time as a candidate. A University of Toronto graduate (and player for the Varsity Blues), his career highlights include managing Bill Graham’s constituency office. (A now-retired MP, Graham’s career included serving as Minister of National Defence and Minister of Foreign Affairs, as well as interim Leader of the Liberals and Leader of the Opposition.) He is currently with the Ontario Chiropractic Association.

Wikinews contacted Andrew, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

The incumbent in this riding is National Democratic Party (NDP) leader Jack Layton. Other than Lang, trying for the riding are Sharon Howarth (Green), and Christina Perreault (Conservative). Minor party candidates Marie Crawford (Animal Alliance Environment Voters Party of Canada), Marcell Rodden (Marxist-Leninist), and Bahman Yazdanfar (Canadian Action Party) are also running, as is independent John Richardson. The riding has existed federally since 1979, and has the seat has been occupied by Bob Rae (NDP, 1979–1982), Lynn McDonald (NDP, 1982–1988), Dennis Mills (Liberal, 1988–2004), and Layton (NDP, 2004 to present).

For more information, visit the campaign’s official website, listed below.

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How To Make Photos Of Your Rap Group Ready To Use In Press, Posters, And Bios

Submitted by: Ricky Perry

Although your logo will represent your band and its music, people will still want to see the people behind the rap group. Your rap group photo will be used as the representative shot of your entire group in your press kit, in articles the press writes about you, on your web site, in your booking kit, and on other promotional materials such as posters and flyers.

Your rap group photo needs to be a group shot of all your members. Naturally, it should be clear, and well composed, since this photo will represent your band to the world and will likely be printed in newspapers, magazines, and blogs when you get publicity.

While you might want to get professional shots of the band, some of the most effective band photos are just candid shots of the band, some of the most effective band photos are just candid shots taken by friends. Journalists will often look at the rap group photo before listening to the music, and it can color their perceptions of what they here.

[youtube]http://www.youtube.com/watch?v=sQ0QlSg2fUE[/youtube]

To create good band photos, do the following:

1. Take a lot of photos and pick the one that you think best represents you and your music. You might need to go through many photos to find ones that meet your needs. It helps to have a handful that you like, so that journalists and Web sited have a choice of which photo to use.

2. Use the right size and format. Formal band photos for press and booking kits should be 8.5″ times 11″ in size. The photos should be in JPEG format at 300 dots per inch(DPI).

3. Clear the rights to the images. Make sure that you have the right to use the images since photographers own the photos that they take. If it’s a friend, have them e-mail you permission to use. If it’s a professional, work with them to clear the rights.

4. Put the photos on a page of your web site for people to use. Just like the banners above, make these photos easy to find, especially for journalists and bookers who use them for publicity purposes. To make it even more likely others will use the photos, include an embed code underneath them or use a photo-sharing service to create this functionality for you.

You need to take your own photographs and own the copyright to them. Even if you hire a photographer and pay them to do a photo shoot, the photographer will own the photos, and can charge you for every future use. This is not just expensive-especially if you want to use it as an album cover-it can be a nightmare to keep track of who owns each photo that you want to use.

You must continue to take photos and update you website on a regular basis. You want to keep you fans engage in your photos, so they will want to come back over and over again to see your new photos and show there friends them as well.

About the Author: Ricky Perry is a freelancer, infopreneur, professional lyricist, and author of The World’s Largest & Most Effective Learn How To Rap Tutorial Guide.To learn more info visit:

learnhowtoorap.com/Unsigned-how-not-be.html

Source:

isnare.com

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