CFPB records fewer complaints in early days of US government shutdown

Tuesday, October 8, 2013

Unlike some parts of the US Federal Government, the Consumer Financial Protection Bureau (CFPB) has been open during the federal government shutdown and recording a record-low number of complaints submitted by consumers against mortgage companies, credit card companies, student loan providers, banks, money transfer providers, companies who provide credit reports, and other companies providing consumer loans.

With data not available for yesterday, the first four days of the shutdown had daily totals of 37, 16, 13, and 3 complaints. With the exceptions of September 29 with 15 complaints and September 28 with 23, it is the lowest daily total since March 16 of this year when 36 total complaints were recorded and February 23 of this year with 14. The total complaints are also down from the same dates last year, when the total complaints per day for the first four days of October 2012 were 272, 298, 288, and 225.

Of the 69 filed complaints recorded so far this month, 27 were complaints about mortgage companies, 21 were about bank accounts and 10 were about credit card companies. 40% of credit card companies complaints, 42.9% of bank account complaints and 48.1% of mortgage complaints are currently listed as still in progress. Most of the rest have been closed with an explanation.

Bank of America leads all companies in terms of total complaints filed this month with 9. Bayview Loan Servicing, LLC andJPMorgan Chase have 7 complaints each. Ally Bank, Sovereign Bank, and Wells Fargo have 4 each. Flagstar Bankand Equifax have 3 each. Citibank, Nationstar Mortgage, TD Bank, Amex, and FirstMerit Bank have 2 complaints each. 18 financial services companies have 1 complaint each filed against them.

During the government shutdown, some CFPB staff have voiced their opinions on Twitter. Dan Munz, deputy assistant director for consumer engagement at the CFPB, tweeted, “Boy, shutdown week has really created a sudden bumper crop of amateur federal management experts.”; “Also, seems like Boehner is singlehandedly undoing whatever progress he’d made in portraying this as a Dem [Democratic Party] shutdown.”; and “Basically, there’s now a strong incentive to fill legislation with minor symbolic things you can bargain away later to protect the core.”

The agency has been able to stay open during the government shutdown because it is funded by the Federal Reserve. According to Amanda Terkel at the Huffington Post, Republican members of the United States House of Representatives have put closing the CFPB on their wish list of items in negotiating for a new debt ceiling limit. Party members have previously stalled the appointment of Richard Cordray as the CFPB boss as a way of hindering it from engaging in oversight of financial organizations in the the US.

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Tech Talk On Nokia 5800 Xpress Music Tube Smart Phone

Submitted by: Gaurav S

Gadget gurus all over the world as well as phone freaks are eagerly waiting for the launch of the new Nokia smart kid Nokia 5800 XpressMusic tube smart phone that can throw a direct challenge to Apple s iPhone mania with its awesome features.

Phone features of Nokia 5800 XpressMusic

It has a touch screen that can rival Apple s crowning glory.

The display is decidedly smaller than iPhone s, being only 3.2 inches. But the smashing resolution and awesome playback, video and recording can push the phone up the popularity poll.

A 3.2 mega pixel Carl Zeiss lens camera might not be the best in its category, but it is still passable for emergency moments and affords decent sharp pictures.

Of more importance is the one touch sharing of photos and videos with the whole wide world via social networking sites like Facebook and Flickr which is very useful in today s busy world.

[youtube]http://www.youtube.com/watch?v=ha6sdFxxe-k[/youtube]

The Media Bar is an innovative direct access drop down menu that will display all the entertainment and music options at one go, thus saving the hassle of hunting through files.

Easy Icon Layout and smooth and fast functioning of the main menu options will make it an instant hit with users and it comes equipped with all the commendable Nokia hallmarks that we are used to.

The groundbreaking Comes With Music option will allow you to download unlimited number of tracks for one whole year from Nokia s own music store and retain those downloaded music files when the one year bundle offer expires after the year is up.

The stereo speakers of Tube 5800 are the most powerful in this segment and the FM radio, support of up to 16 GB memory card, Wi-Fi connectivity, HSDPA, 3G, Flash and other such sexy features at a price of only 220 pounds makes it a much better buy than Apple s over priced eye popper.

However the sensitivity of the screen and the camera mega pixel leave a lot to be desired. The Apple s iPhone is short of Flash and it lacks many of the basic features like bluetooth file transfer, sms forwarding, mms capabilities, poor night vision, etc.

Nokia s 5800 Tube Smartie is any music lover s delight with the really helpful one touch access for purchasing and browsing music from Nokia s music store. What more Nokia s Comes With Music service is free for the Nokia 5800 users for full one year. They have a total of about 2 million titles right now and they are updating that consistently.

Other pep factors are the 8 GB micro SD memory card that will allow you to store 6000 tracks, support for each and every major digital format and a graphic equalizer, top of the line web surfing features and support for handwriting which is a rather innovative and interesting feature.

The virtual computer inspired QWERTY keyboard enables users to jot down stuff on the touch screen through the stylus pen or to enter text or email through the virtual alpha numeric keypad.

Verdict

This makes it a more viable option than Apple s costly iPhone for you are getting most of the iPhone features at a price significantly lesser than the iPhone s.

About the Author: Gaurav Sharma, a renowned tech blogger presents his deep insights on the latest

Nokia 5800 XpressMusic Tube

Smart Phone. He even presents a 20 point

comparison of Iphone and Nokia 5800

in his blog.

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Report urges Kenya to ban plastic bags

Wednesday, March 9, 2005File:Plastic bag stock sized.jpg

They are cheap, useful, and very plentiful, and that is exactly the problem, according to researchers. A report issued on Feb. 23 by a cadre of environment and economics researchers suggested that Kenya should ban the common plastic bag that one gets at the checkout counter of grocery stores, and place a levy on other plastic bags, all to combat the country’s environmental problems stemming from the bags’ popularity.

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Woman returns home with Christmas turkey, a month after setting out

Tuesday, January 19, 2010

A Scottish woman who set out before Christmas to purchase a turkey finally made it home on Monday, after being cut off by snow for a month. Kay Ure left the Lighthouse Keeper’s cottage on Cape Wrath, at the very northwest tip of Great Britain, in December. She was heading to Inverness on a shopping trip.

However on her return journey heavy snow and ice prevented her husband, John, from travelling the last 11 miles to pick her up. She was forced to wait a month in a friend’s caravan, before the weather improved and the couple could finally be reunited.

They were separated not just for Christmas and New Year, but also for Mr Ure’s 58th birthday. With no fresh supplies, he was reduced to celebrating with a tin of baked beans. He also ran out of coal, and had to feed the couple’s six springer spaniels on emergency army rations.

“It’s the first time we’ve been separated”, said Mr Ure in December. “We’ve been snowed in here for three weeks before, so we are well used to it and it’s quite nice to get a bit of peace and quiet.”

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Baby attacked by dog in New York

Saturday, January 5, 2008

An eight-month old boy, Andrew, was attacked and killed by a Doberman pinscher in Brooklyn, New York. The dog was a three-year old named Mackabee, who is also neutered.

The grandmother was babysitting the boy. While she was in the kitchen she heard the boy scream and ran next door to a neighbor for help. The neighbor took the dog off the boy, rescued him and brought him to his house to try and perform CPR on the boy, while he called 911 for help.

Police said the baby’s head was in bad shape and the dog broke the boy’s skull. Andrew was sent to Kings County Medical.

The doctors tried to save his life by working on him for nearly an hour, but the boy died at 3:06 pm local time. The parents of the child were not home at the time of the incident. The dog was shot with a tranquilizer and was sent to a care center. The city Department of Health is investigating. The dog may have to be put down because of the incident.

According to the US Centers for Disease Control, the Doberman Pinscher is not frequently involved in fatal attacks on humans in comparison to several other dog breeds such as German Shepherd Dogs, Rottweilers and others.

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Self Utilized Well Being Insurance Policy Insurance Policy Exposure

Submitted by: Isaiahqd Faulkner

Do it oneself Applied Wellness proper care Insurance coverage premium

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Physique out What Health and fitness Insurance policy strategy Coverages Are Required

Ascertain what sort of properly getting insurance coverage protection coverages are required prior to comparing quotes. There are coverages attainable for families, for loved ones people who want to look at out their desired physician and for individuals or house men and women who are willing to remain in a network of doctors for cure.

Standard prescriptions that call for to be filled, or a home that by no means seems to get sick can all support ascertain what sort of healthiness insurance coverage strategy coverages are essential.

Do it your do it yourself Utilized Effectively getting Insurance policy publicity that Mimics Typical Choices

Do it oneself utilized nicely acquiring insurance policy coverage has selections for lowered deductibles, discount prescriptions and moderately listed co-obligations for doctor’s workplace and emergency room visits.

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Acquire Decreased-total price Well being and physical fitness Insurance for Catastrophes Only

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COBRA Do it on your personal Used Health Insurance policy method

When attempting to learn unemployed or do it yourself utilized medicine insurance policy method, some men and women will be eligible for COBRA.

COBRA general well being insurance coverage strategy is accessible to folks who had employer-sponsored well being insurance technique defense but left their career.

Policyholders will need to notify employers within 60 days of leaving their operate to let them know that they want to use this form of do it your self used wellness therapy insurance policy. COBRA is accessible for persons and their immediate household folks for 18 months right right after the substantial insured has left their perform. COBRA is not reasonably priced – this kind of healthiness insurance coverage plan can actually set policyholders back, as they spend for the total charge of insurance plan program.

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About the Author:

confidenceinsurance.com/

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Wikinews interviews U.S. Libertarian Party presidential candidate R. Lee Wrights

Monday, June 20, 2011File:R. Lee Wrights LPNC 2012 State Convention.jpg

R. Lee Wrights, a candidate for the U.S. Libertarian Party’s presidential nomination, took some time to speak with Accredited Wikinews Reporter William Saturn about his presidential campaign and positions on political issues.

Wrights, a native of North Carolina, is an activist and lifetime member of the Libertarian Party who currently serves as the editor of several Libertarian publications. He previously worked as a medical technician in the United States Air Force and earned degrees in History and Journalism at Willmar College.

He is currently being challenged for the nomination by National Guard officer R.J. Harris, radio host Jim Duensing, former Nevada Libertarian Party chair Jim Burns, marketing executive Roger Gary and attorney Carl Person. 2008 Vice presidential nominee Wayne Allyn Root is also expected to make a run.

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What Is Forex Technical Analysis Market?

Submitted by: Sean Goudeloc

Technical analysis market is a type of Forex analysis technique that heavily relies on numbers and historical data. It makes use of charts, quotes, indicators (both simple and complex), supply and demand volume, and most especially, the data about past market performance. Its main purpose is to give traders a clue on what will happen in the market based on all the data that was gathered from the past.

Many online trading platforms provide users or traders with different types of technical analysis. By using technical analysis tools, you can have a better projection of the ups and downs in the market. With the knowledge you get from this kind of analysis, you will be able to make better trading decisions and minimize risks of trading in the Forex market. However, you do have to remember too that even the most profitable Forex traders do not stick with technical analysis alone. Technical factors are often weighed vis- -vis fundamental factors. Make sure that you consider other techniques like fundamental analysis for a better reading of the market.

Technical analysis market trading involves different types. A few of the most popular types of technical analysis tools are charting, volume indicators, Bollinger bands, relative strength index, and Stochastics. Each of these types has unique methodologies to generate data. These also help you look at the technical factors from various perspectives. Below are brief explanations about those types:

[youtube]http://www.youtube.com/watch?v=S3nD_Tvtuik[/youtube]

The most basic type of technical analysis in Forex is charting . Fundamentally, it focuses on knowing and analyzing the highs, lows, and closing prices within a certain time frame in the market. Using this type of technical analysis will let you immediately know the major trends within the market, areas of support of trends, and resistance to the price movements.

On the other hand, volume indicators focus more on telling traders the current and upcoming trading volume for them to know if there will be sudden rise or fall, or a reversal. Many rely on this analysis as their leading indicator to predict future price trends.

If a trader wants to check the volatility of the market trends, he will rely on Bollinger bands. The technique gathers the data about the moving average prices in the past 21 days. If you use this technique, always watch out for any sharp tightening of the bands. When you see that, it means that the market s volatility will intensely increase, and a new price trend may arise.

Last, but not the least is the RSI (Relative Strength Index). This type of analysis is used when traders want to predict any forthcoming market reversals. Fundamentally, RSI is a scale starts from zero and ends with 100. If a trader sees a value that is below 20 on it, it is possible that an uptrend will happen. Alternatively, if he sees a value that is above 80, a downtrend may happen instead.

As you can see, Forex technical analysis market is an effective tool you can use in your trading venture. Use it wisely with other Forex tools, and you can expect that your success rates during your trades will rise significantly.

About the Author: If you are looking for information on

technical analysis market

, click on the link. Or you can visit

lifestylesecretreview.com/

for more information.

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Quaker website editor launches music podcast programme

Friday, July 22, 2005

Simon Gray, Quaker website editor for the Friend and an organiser for the World Gathering of Young Friends today launched radio star one as a podcast linked to birmingham alive !, the Birmingham what’s on guide.

“It’s an eclectic mix of jazz, world, electronic, classical, & folk”, he said, “perhaps in a similar vein to Radio 3’s late junction programme”.

Simon is currently in consultation to make the Friend itself be available as a podcast. Already subscribers can read it via an RSS feed, with the appropriate aggregator software. Podcasting is a fast-growing form of broadcasting which is freely available to listeners on the internet.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
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Barry Bonds guilty of obstruction

Thursday, April 14, 2011

Barry Bonds, a United States baseball player, has been found guilty of one count of obstructing justice for giving an evasive answer to a federal grand jury under oath when asked whether he had ever received drugs necessitating a syringe.

The judge declared a mistrial on three other obstruction of justice counts, the three charges that Bonds made false statements when he said to a grand jury in December 2003 that he never knowingly used steroids or human growth hormones given to him by his personal trainer, and that he permitted only doctors to give him injections.

The charge that Bonds was convicted of does not mention steroids.

The conviction comes after a seven year prosecution of Bonds, stemming from the investigation of Bay Area Laboratory Co-Operative (BELCO) begun in 2002. Bonds appeared in an advertisement for BELCO which was reportedly selling designer steroids and other drug paraphernalia to professional athletes. Thirty athletes were called to answer questions before the grand jury. Bonds had been given immunity for his testimony.

“This case is about upholding one of the most fundamental principles in our system of justice—the obligation of every witness to provide truthful and direct testimony in judicial proceedings,” said federal prosecutor Melinda Haag. “In the United States, taking an oath and promising to testify truthfully is a serious matter. We cannot ignore those who choose instead to obstruct justice. We will decide whether to seek a retrial of the defendant on the remaining counts as soon as possible.”

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