Tuesday, February 3, 2009

A six-pound infant born in San Francisco, California has six perfectly formed and functional fingers and toes on his hands and feet, so that it isn’t considered a disability or deformity, say doctors at Saint Luke’s Hospital who were amazed by the oddity.

In a medical rarity, super baby Kamani Hubbard was born two weeks ago with 24 working digits. He is healthy and home with his parents in Daly City, California. Polydactyly, a congenital disorder is not uncommon in humans and animals, including cats, but to happen on both hands and feet is a rare hereditary condition.

“Nurses and doctors, looked so normal they couldn’t tell, they told me he was six pounds in good health, that was all they said,” said Miryoki Gross, Hubbard’s mother. Her baby’s specialness didn’t even show up on prenatal ultrasounds. “I heard nothing before I gave birth so I’m still in shock, kinda,” Gross added. Despite the mother’s shock, Kamani’s father, Kris, was the first to notice the condition.

Polydactyly (from Ancient Greek means ‘?????’ (polus) or “many” + ‘????????’ (daktulos) “finger[s]”), also known as polydactylism, sexdactyly, hexadactyly, or hexadactylism, is a congenital physical disorder consisting of supernumerary fingers or toes.

In Kamani’s case, however, all of the digits are perfectly formed and function or work normally. “I was in amazement, it took a little time for me to take it all in,” said Kris, a postal worker, who has a family history of polydactylism, but none of his relatives can remember it happening on both hands and feet.

Mostly, cases of polydactyly are surgically corrected. Kris himself had nubs of sixth digits, which were removed during his early childhood, for having been non-functional. “My son has six fingers then I saw toes, and I thought, this is quite unique. Some family members have had six fingers, not completely developed. But not the toes,” Kris noted.

“I would be tempted to leave those fingers in place. I realize children would tease each other over the slightest things, and having extra digits on each hand is more than slight. But imagine what sort of a pianist a 12-fingered person would be imagine what sort of a flamenco guitarist, if nothing else think of their typing skills,” Dr. Treece remarked.

“I just want him to see what greatness will be in store for him,” said Kris.

Fully developed and functional extra digits on both hands and feet are considered very rare as a genetic trait in medical history, amid some partial development of an extra digit occurs about twice in every 1,000 white male births. Ordinarily, polydactylism appears as an extra piece of non-functional tissue, typically occurring as an extra finger, sometimes with a bone, but no joint.

“It’s merely an interesting and beautiful variation rather than a worrisome thing,” said Dr. Michael Treece, a St. Luke’s Hospital pediatrician, and the OBGYN who delivered Kamani. He has postaxial polydactyly, which is 10 times more likely to occur in black children, and also more likely to appear in boys.

Goliath, a figure in Old Testament, was depicted as having had six fingers on each hand and six toes on each foot.

Blues guitarist Hound Dog Taylor, Get Carter, Little Tich, Toyotomi Hideyoshi and several other figures in history have had polydactyly. Sid Wilson, a turntablist of Slipknot, had been born with an extra finger and toe on his hands and feet which were removed shortly after his birth as doctors considered them to be dead.

Wednesday, October 13, 2010

The rescue of the Chilean miners trapped in the San José Mine in Copiapó, codenamed Operación San Lorenzo (San Lorenzo Operation), began on Tuesday night, at around 20:00 local time (23:00 UTC).

Florencio Ávalos was the first miner to be rescued, at 00:12 local time (03:12 UTC) on Wednesday. He was wearing a shirt signed by all his fellow miners. “The first miner is already with us. We saw it all, him hugging his wife Monica and his son Byron,” said President Piñera shortly after the first rescue. “We still have a long journey.”

“This will be recorded on every single Chilean heart forever,” Piñera added. “I hope the miners’ hope stay with us, just like the [February] earthquake victims’ [hope] and what the earthquake took off. We know that the disasters unite us all.”

All the 33 miners were rescued. The last miner, Luis Urzúa, was rescued at 21:55 Chile time (00:55 UTC). “It is a pleasure to be Chilean, [I’m] proud,” said Luis Urzúa to President Piñera. “In honour of the miners, their families, the rescuers […] let’s sing our national anthem. Viva Chile Mierda!,” said Piñera. Urzúa thanked Mining Minister Golborne and the First Lady Cecilia Morel for “fighting for their lives.” “I’m proud of my fellow miners,” Urzúa added.

Six rescuers, including a miner and a paramedic, descended to the miners’ shelter using the Fénix 3 capsule which was specially constructed for the rescue. They performed check-ups and talk with the miners before taking them back to the surface. The rescuers still don’t leave the mine.

The Fénix 3 capsules are 3.95 metres in height and weigh about 460 kilograms. They have an armour, an oxygen tube and a microphone. The occupants helmets contain an intercom to keep them in contact with the rescue team on the surface.

President of Chile Piñera assisted to the rescue. Bolivian President Evo Morales could not attend Carlos Mamani’s rescue. Mamani is the only Bolivian miner in the group.

A mass for the miners was conducted at 18:00 local time (21:00 UTC). The rescue takes between 15 and 20 minutes for each miner.

On Tuesday, Mayor of Copiapó Maglio Cicardini announced that the municipal schools in the city will have no classes this Wednesday “to transform the rescue of the Atacama’s 33 in a familiar meeting,” Radio Cooperativa reported.

“The miners will be taken to the Copiapó Regional Hospital for medical checkup, where they will have to stay for 48 hours,” Health Minister Mañalich said to Televisión Nacional de Chile.

Celebrations are taking place in several Chilean cities. In Santiago de Chile, people gathered in one of the most important points of the city, Plaza Italia. In Pichilemu, tens of cars are passing over its most important streets. In Copiapó, people gathered in its main square to assist a massive concert.

On August 5, 33 miners were trapped more than 700 meters (2,300 ft) underground, in the San José copper–gold mine, located about 40 kilometers north of Copiapó, Chile.

The youngest trapped miner is 19 years old, and the oldest is 63. There were several rescue attempts before reaching the miners’ shelter on August 22. The National Emergencies Office of Chile (ONEMI) released a list of the trapped miners on August 6, which included Franklin Lobos Ramírez, a retired footballer.

Chile is the worlds top producer of copper, according to The Economist. The San José Mine is owned by the San Esteban Mining Company (Empresa Minera San Esteban). The mine was closed down in 2007, after relatives of a miner who had died sued the company executives, but the mine was re–opened in 2008.

It was originally estimated that “it would take three to four months to complete the rescue of the trapped miners”. There were three plans to reach the miners: “Plan A” using a Strata 950 drill, “Plan B” using a Schramm T130XD drill, and “Plan C” using a RIG-422 drill. The first to reach the miners was “Plan B”, early on Saturday 9.

The last step of their rescue, announced by Health Minister Jaime Mañalich, was originally due to begin on Tuesday. Laurence Golborne, Minery Minister said “If it is possible, and the cement sets before and we don’t have any impediments to doing it, it would be wonderful,” in a press conference on Monday. The men will be extracted in a steel rescue capsule 54 cm (21 inches) in diameter.

On September 4, Chilean filmmaker Rodrigo Ortúzar announced plans to film a movie about the accident, called “Los 33” (“The 33”). The film will be released in 2011.

One miner is Bolivian, and the other 32 are Chilean.

Raúl Bustos, 40 years old, is an hydraulics engineer. He left his job in Talcahuano after the February 27 earthquake to work in the mine.

Daniel Herrera, 27 years old, is a lorry driver. He has acted as paramedic assistant in the mine. He said to La Tercera “the miners were unhappy with the psychologist in the rescue team.”

Claudio Acuña, miner, is fan of the Colo-Colo football club. The BBC reports he is aged 56, but El Comercio says he is 44.

Pedro Cortez is aged 24. He joined the mine with his friend Carlos Bugueño. Cortez is an electrician, and lost a finger in the mine a year ago.

File:Juan Aguilar with President Piñera.jpg

A native of Los Lagos, Juan Aguilar is 49 years old. Aguilar is married to Cristy Coronado, according to El Comercio. Aguilar works as a supervisor.

Mario Sepúlveda is a 39 years old electrician native of Parral; he is married. He has been the spokesman of the most of the miners’ videos. Mario Sepúlveda was the second miner to be rescued, on Wednesday at 01:10 local time (04:10 UTC).

Víctor Zamora is a 33 years old auto mechanic. Zamora is married to Jéssica Cortez, who confirmed she was pregnant while he was in the mine.

Osman Araya is 30 years old, and married. He began working as miner four months before the accident.

Florencio Ávalos is 31 years old. He is the brother of Renán Ávalos, who is also trapped in the mine. He worked as driver in San José. Ávalos filmed videos, sent later to his relatives.

Ávalos was the first miner to be rescued, on Wednesday at 00:10 local time (03:10 UTC).

Jorge Galleguillos, 56 years old, has worked all his life in the mine. He said in one video he was feeling unwell; he takes medication for hypertension.

Carlos Barrios is a 27 years old miner. His father, Antenor Barrios, told Agence France-Presse: “I find he’s very strong and has enthusiasm. He spoke loud and clear. I was excited.”

Franklin Lobos Ramírez is a 53 years old retired footballer. He played for Cobresal, Deportes Antofagasta, Club de Deportes Santiago Wanderers and Unión La Calera, and briefly for the Chile national football team. Lobos had worked as a truck driver in the mine.

Yonni Barrios, called “The Doctor”, is a 50 years old electrician. He has knowledge of first aid, and was given responsibility for monitoring the health of his colleagues. “I felt I was in hell,” Barrios said in a letter to his wife.

Carlos Bugueño, 27 years old, joined the mine with Pedro Cortez. Previously, he worked as a watchman.

Alex Vega Salazar is a 31 years old heavy machinery mechanic. He is married to Jessica Salgado, and celebrated his birthday in the mine on September 22.

Ariel Ticona is a 29 years old miner. His wife, Margarita gave birth to his daughter on September 14. She was named Esperanza (Hope), at Ticona’s request.

Richard Villarroel is a 27 years old mechanic from Coyhaique.

Edison Peña is a 34 years old miner. “I want to go out soon,” he said on his first contact with his relatives. “I want to be free, I want to see the sun,” he added. He is a fan of Elvis Presley.

Claudio Yáñez is 34 years old, and works as drill operator.

José Ojeda, 46 years old, is the master driller. Ojeda is widowed and diabetic.

Luis Urzúa is a 54 year old topographer. He is the shift-leader, and was the first miner to talk with authorities. He is known as Don Lucho among the miners. He draw plans of the area of the mine where they are trapped.

Urzúa will be the last miner to leave the mine.

José Henríquez is a 54 years old drill master. He is also an evangelical preacher, and has worked in mines for 33 years.

Víctor Segovia is a 48 years old electrician. He is in charge of writing down everything that happens in the mine.

Pablo Rojas is a 45 years old explosives loader. Married, he had been working less than six months in the mine.

Juan Illanes is a 51 year old miner. He was a sergeant in the Beagle border conflict between Chile and Argentina in 1978, the incident which almost provoked a war between the countries.

Illanes was rescued on Wednesday, at 02:07 local time (05:07 UTC).

Jimmy Sánchez, 19, is the youngest miner. He had been working in the mine for five months before the accident. His role is to check the temperature and humidity in the mine.

Samuel Ávalos is a 43 years miner. His wife Ruth said “he was addicted to the cocaine.” His role in the rescue is to check air quality in the area the miners are living. According to the BBC, “Ávalos has worked in the mine for five months.”

Mario Gómez, aged 63, is the oldest of the miners. He has worked 51 years as miner. His father was also a miner, and is nicknamed “El Navegao” (“The Sailed One”). He was thinking of retiring in November.

Gómez also wrote the message “Estamos bien en el refugio los 33” (“We are fine in the shelter the 33 [of us]”).

Segovia is 48 years old. He is married to Jessica Chille, who said “To hear his voice was a confort to my heart,” after talking with him for the first time in 24 days. His sister María, was nicknamed “La Alcaldesa” (“The Mayoress”) for her leading role at Campamento Esperanza. His father, Darío Senior, was trapped in a mine for a week, and suffered serious injuries after two other mining accidents, according to the BBC.

Carlos Mamani is a 23 years old heavy equipment operator. He is also the only non-Chilean miner; Mamani is Bolivian. He began working in the mine just five days before the accident.

He was rescued at 03:11 local time (06:11 UTC) on Wednesday.

Renán Ávalos is a 29 years old miner, single, who had been working for five months in the mine before the accident. Florencio Ávalos is his brother.

Omar Reygadas is a 56 year old electrician. He began working in the mine shortly before the accident.

Esteban Rojas is a 44 years old miner. Rojas is married to Jessica Yáñez.

See the discussion page for instructions on adding schools to this list and for an alphabetically arranged listing of schools.

Due to the damage by Hurricane Katrina and subsequent flooding, a number of colleges and universities in the New Orleans metropolitan area will not be able to hold classes for the fall 2005 semester. It is estimated that 75,000 to 100,000 students have been displaced. [1]. In response, institutions across the United States and Canada are offering late registration for displaced students so that their academic progress is not unduly delayed. Some are offering free or reduced admission to displaced students. At some universities, especially state universities, this offer is limited to residents of the area.

Wednesday, December 28, 2005Black American women living in communities with high poverty rates are significantly less likely to be screened for cervical cancer, a study finds.

The Harvard School of Public Health’s Geetanjali Dabral Datta investigated the relationship between individual characteristics and larger socioeconomic factors and cervical cancer screening rates. The Febreuary 1 issue of Cancer carries the study. More than 40,000 black women from across the United States participated in the Black Women’s Health Study.

“African-American women have twice the mortality rate from cervical cancer as white women,” said Elizabeth Ward, the director of the American Cancer Society. “Researchers need to investigate how those differences are related to socioeconomic status. One of the big factors that may account for this finding is access to high-quality medical care. Often communities that have high poverty rates either lack access to good quality care, or people have to travel longer distances to obtain high-quality care.”

David L. Katz at Yale University’s School of Medicine said; “While this finding is not surprising, it is noteworthy just the same. No one should die of cervical cancer, because a simple screening test reliably finds the condition in its earliest stages when cure is almost universally achievable. Yet, several thousand deaths from this cancer occur each year in the U.S.”

Monday, July 6, 2009

The 34 British medical students who had been quarantined due to A(H1N1) flu virus in the Kenyan lakeside town of Kisumu were transported to the capital city of Nairobi amid tight police security on Sunday.

The students, who have completed their courses of Tamiflu, are expected to fly back to the United Kingdom Sunday, ending their one week ordeal in Kenya East Africa.

The government’s swift response to contain the disease has been impressive.

The World Health Organisation, which collects data on all laboratory confirmed cases of the flu put the number of visiting students who became infected at 12. The infection spread from their fellow medical student who was originally infected in Nottingham from his girlfriend there. Public Health and Sanitation Minister Beth Mugo reported that it was Kenya’s first case of A(H1N1). Test results of the primary school children who had come into contact with the students during their visit are awaited.

In a further twist, eight more people are suspected to have the H1N1 virus in the north eastern town of Garissa. The eight are reported to have arrived in Kenya from the UK. If confirmed they will bring the total number of swine flu cases reported in Kenya to 20.

Wednesday, September 5, 2007

Toy manufacturer Mattel announced today that they are recalling more products over fears of dangerous levels of lead in the toy’s paint. This soft, but heavy and poisonous metal can be fatal when there is more than 10 ?g/dL in the blood.

The 800,000 toys have been recalled over safety fears and are thought to be mostly Barbie products. This recall has increased the concern over the safety of the Chinese production process. The lead paint was traced to an un-authorised producer and that firm was closed down, however the most recent source has not yet been located.

Chinese production accounts for almost 65% of Mattel’s overall production. Mattel is considered as one of the most stringent producers in the market however their reputation is in danger. Toys that are currently being produced are being packaged ready for the Christmas rush, however there are fears that if these are recalled then there will be a Christmas shortage.

Thursday, May 29, 2008

David Tchappat, a popular housemate recently evicted from the television reality program Big Brother Australia, has spoken out critically of his childhood experiences in the controversial religious group “Raven-Taylor-Hales Brethren“, referred to in Australian media as “Exclusive Brethren”. Tchappat was a participant in the edition Big Brother Australia 2008, and was voted off the show on May 25.

Tchappat, 33, a former police officer and presently a firefighter, left the controversial group at age 19. He says he attempted to leave at age 17 but was brought back by members of the group and “interrogated” by group leadership for months. Up until he left he had never eaten in a restaurant, listened to the radio or been to the movie theater. According to Macquarie National News, Tchappat’s former community numbers number approximately 15,000 in Australia. Raven-Taylor-Hales Brethren is a sect of Protestant Christianity and a breakaway group from Exclusive Brethren.

Due to his departure from the group, Tchappat had to break off contact with family members still inside the organization, though at times he speaks with his parents. Members do not vote in elections because they feel it contradicts their belief that God should determine who is in power, but they provide finances to the Liberal Party of Australia. Tchappat’s cousin Andrew left the group a few months after he did.

After getting to know his fellow Big Brother Australia housemates for three weeks, Tchappat recounted some of his experiences in his former religious group. “Look, I don’t like to say it’s a cult, but it basically is. My whole life was controlled. I didn’t have a say in it myself,” he said on one episode. He grew up in the Raven-Taylor-Hales Brethren community in Gosford, New South Wales, and explained: “It’s based on Christian values but it’s very strict. So I had no TV, no radio, no computer, never been to a movie or a restaurant or kissed a girl – you name it, I didn’t do it.”

In an interview Tuesday with former Big Brother Australia runner-up Tim Brunero on Macquarie National News, Tchappat said he is planning on releasing a book about his experiences growing up in the controversial religious group. “I’ve spent the last two years writing it. It just happened that I got into Big Brother in the tail-end of it. Obviously there’s a few more chapters to add, but I’m really pumped, it’s an interesting story,” he said. He plans to title the book Losing my Religion.

He was also interviewed by ninemsn on Tuesday, and said he does not regret discussing his experiences in Raven-Taylor-Hales Brethren on Australian national television. “I’m an example of how you can go out and be successful. I say to people that if you are thinking about leaving, and you’re serious, take a punt and give it a go. You can always go back if you don’t like it.” Former members of the group were inspired by Tchappat’s comments and empathized with his experiences in posts to Big Brother Internet message boards.

Prime Minister of Australia Kevin Rudd criticized the Raven-Taylor-Hales Brethren group in August 2007. At the time he was leader of the Australian Labor Party, and requested that then-Prime Minister John Howard reveal what took place in a private meeting with senior members of the religious group. “I believe this is an extremist cult and sect. I also believe that it breaks up families,” said Rudd to reporters in Adelaide according to The Sydney Morning Herald. He noted that the organization was being investigated by the Australian Federal Police for prior election activities, and wanted to know how much funding had been given by the group to the Liberal Party.

During his election campaign Rudd called on Australian federal agencies including the anti-money laundering agency Australian Transaction Reports and Analysis Centre (AUSTRAC), the Australian Federal Police, the Australian Taxation Office, and the Australian Electoral Commission to investigate the activities of Raven-Taylor-Hales Brethren. In spite of Rudd’s criticism of Raven-Taylor-Hales Brethren, the religious group was guaranteed AUD10 million in taxpayer funding for its school facilities in January 2008. Rudd had promised during his election campaign to maintain education funding levels for non-government schools if he became Prime Minister.

Australia media reported on May 18 that Rudd rejected a request from former members of Raven-Taylor-Hales Brethren to investigate the group. 34 ex-members of the religious group had sent a letter to the Prime Minister’s office asking him to investigate how they were treated in the organization. A spokesman for Rudd said that the ex-members should instead take their request to the police, and that a government investigation would raise religious freedom issues. Rudd’s chief of staff David Epstein said that the Prime Minister “does not resile from the views he expressed last year” and “remains concerned about the reported imposition of doctrines that weaken family bonds”.

Australian Greens spokeswoman Christine Milne told Australia’s ABC News said that the well-being of children still in the group should be of primary concern. “The issue here is not about religious freedom, it is about what this cult is doing to destroy families and effectively to undermine the law,” said Milne.

Ex-member Peter Flinn, who wrote the letter sent to Rudd which was signed by 33 other former members, was disappointed by the Prime Minister’s response. “We just want to highlight other equally fundamental human rights, such as access to family who remain Brethren members, a right callously denied for decades,” he said in a statement in The Sydney Morning Herald. Senator Bob Brown of the Australian Greens party has proposed a government inquiry into the group’s public funding, tax concessions and possible practices that harm children.

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.

Monday, March 24, 2014

Community members held a public bake sale fundraiser on Sunday to help the family of a Texas woman slain earlier this month. Alicia Benefield, 19, of DeBerry was killed allegedly by her boyfriend, Rodris Webster. Sharon Jernigan of Panola was the key organizer of the fundraiser.

On Friday, Mrs. Jernigan told Wikinews, “This murder has devastated the entire community.” The fundraiser was held at a small grocery store in the neighboring town of Bethany, which borders the Louisiana–Texas state line. Sunday evening, Jernigan reported, “The bake sale was a big success.”

Webster, 25, was arrested early last week and charged with one count of murder and one count of felon in possession of a firearm. Benefield’s body was found in Marshall, Texas. Upon hearing of the discovery, a family member of the victim posted to his Facebook page, “Struggling to know how someone could do such a horrific thing.” Webster is presently being held on US$1 million bond in the Harrison County jail. Earlier, he was questioned by police on March 16, just two days after Benefield’s car was found at a church near her home, but was released after five hours of questioning.