byadmin

Your eyes are one of the most important parts of your body. Without your eyes, many daily tasks in life would be significantly more difficult and troublesome. However, not everybody’s eyes work the way they should. Millions of people are born with conditions such as farsightedness, nearsightedness, and astigmatisms. These conditions can alter your eyesight in a way that you need corrections to fix them. Some of these corrections include glasses and contacts. Wearing and caring for contacts and glasses every single day can get extremely annoying and tedious after decades. Thankfully, there is a more permanent solution to these conditions. Laser surgery can quite literally reshape your vision.

What Is Laser Surgery?

As the name might suggest, laser surgery in West Point, NE involves the use of medical lasers. The most common type of surgery involves reshaping the cornea. The laser will physically cut a flap into your cornea. Once the flap is there, the surgeon will then fold back the flap and then remove some corneal tissue from underneath the cornea. The flap is then replaced. The reshaped cornea can now reflect light into your eyes properly, which can lessen or completely fix vision problems. There are other forms of laser surgery that are designed to help with different, more specific eye problems. You can consult your regular eye doctor to determine which type of laser surgery is most suitable for you and your eyes.

Why Get Surgery?

While glasses and contacts can correct some visual problems, wearing them every day can become rather annoying. Not only do you have to wear them but you often have to take special care to ensure that they are rarely if ever, damaged. These types of corrective devices can be extremely expensive, depending on your vision problems. That being said, vision also changes over time, meaning that you have to go back to the eye doctor to change the strength of those corrective devices repeatedly. This is a costly, time-consuming, and tedious process. With laser surgery, you will be able to do that less or maybe not even at all anymore. For more information on what laser surgery can do for you, click here to learn more.

22
Jul

News briefs:April 16, 2010

   Posted by: Admin   in Uncategorized

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21
Jul

American Idol winner Ruben Studdard wins lawsuit

   Posted by: Admin   in Uncategorized

Friday, June 16, 2006

Former American Idol winner Ruben Studdard has won a lawsuit and $2 million against his ex-manager Ronald W. Edwards and Edwards’ promotions company, Sez Inc. The lawsuit was for misappropriating the singer’s money and credit cards. The suit claimed Edwards misused more than $246,000 of the singer’s money. According to the judge’s ruling, Edwards stole money from Studdard’s checking and other bank accounts, improperly used his credit cards and even used Studdard’s money to repay a $10,000 bank loan.

Jefferson County Circuit Judge Scott Vowell awarded Studdard $500,000 for actual losses and another $1.5 million in punitive damages. Vowell dismissed Edwards’ promotions company from the suit because it was bankrupt and had no money or assets. Edwards filed a petition for Chapter 7 bankruptcy on June 17, 2005. Studdard has sold 2.2 million records, but because of the damage done to his credit by Edwards, it is now even hard for Ruben to buy a home, said Vowell.

Factors to be-considered in-searching good-London-decorators

by

Geoff Fannin

Have you ever desired to employ London decorators and dulux decorators but never knew what to anticipate? You are not only in this as lots of people think what they should assume from a job well carried out. There are particular variables that you should consider to be able to find out if the work has been completed effectively. Additionally, when selecting a specialist for London decorators and dulux decorators you should find out what solutions they present.

[youtube]http://www.youtube.com/watch?v=o81keEwGQxc[/youtube]

The quality of work from London decorators and dulux decorators For a job to be effectively carried out the grade of work needs to be to a certain standard. London decorators and dulux decorators need to maintain to this level in order to say that any job they do is effectively done. This specialized level regarding the painters should include that they do not mess paint on floors and glass, that corners are painted neatly and that they have used the appropriate paint color. If the service provider does not used the color or kind of paint that you wanted then it was not accomplished appropriately. London decorators and dulux decorators are a little bit distinctive. If you like, it is possible to give them free reign when it comes to your home. Obviously, you might want some things to be integrated into the decoration. If these things are disregarded then the work has not been carried out appropriately. The elements employed for house painting and decorating The materials employed for the designing and house painting are also quite important. No one likes their home to look low-cost. It is up to these experts to be sure that their job looks professional even if it does not charge too much. Excellent supplies do not have to charge you an arm and a leg therefore be aware of that. There are some experts for London decorators and dulux decorators who cost you more than the actual cost of the supplies as they assume you do not understand what the cost is. You should try out and determine as much as you can about the resources these people will be using. Is a house painter the only service they offer? If you are having a designing service in then you need to realize what they can offer you. Do you actually need to hire a service just to see that they only have a house painter? Few services that these folks can present you will incorporate artwork, filling, wallpapering and skimming. Interior decorating may be something additional that you would have to seek out. It is better that you have certain idea of what you like carried out prior to considering contractors for London decorators

and

dulux decorators

. This way you can find if the folks you are speaking to will be capable to finish the entire work.

There are many elements that make up a well completed decorating job. The quality of the work has to be good and the resources used should be of high quality. It is right that you figure out what services are on offer from the people before you employ them for something.

The author loves to write about different interior designing tips and he is working in Fengeos one among finest London decorators and dulux decorators

Article Source:

ArticleRich.com

Saturday, January 3, 2009

Tuesday saw Philippines President, Gloria Macapagal-Arroyo, direct Philippine Drug Enforcement Agency (PDEA) officials and Department of Justice (DOJ) Secretary Raul M. Gonzalez to investigate and charge the people involved in an alleged drug bribery attempt involving wealthy Filipino families. The president also instructed the chair of the Dangerous Drugs Board, Vicente Sotto III to keep in custody the drug suspects, the so-called ‘Alabang Boys’. This pending the DOJ‘s reinvestigation of the alleged P50-million bribe mess.

In September, Richard Santos Brodett, age 25, Jorge Jordana Joseph, age 22, and Joseph Ramirez Tecson, age 23, members of the “Alabang Boys”, were arrested in a series of buy-bust operations in Alabang, Muntinlupa City, and Cubao in Quezon City. 60 ecstasy tablets, small bags of marijuana and cocaine sachets were taken from the suspects by the drug agents. The three suspects underwent the DOJ’s preliminary investigation, but the drug case was dismissed by a draft resolution signed by 2 prosecutors from the National Prosecution Service on December 2.

In the challenged resolution, State Prosecutor John Resado, with the recommending approval of Senior State Prosecutor Philip I. Kimpo and Chief State Prosecutor Jovencito Zuño, noted that the police operatives conducted illegal arrests and unlawful warrantless searches on the vehicles of the three suspects. In addition, Joseph was “under the control of the PDEA agents without the presence of any counsel when information against respondent Tecson was extracted from him,” it added.

The PDEA has accused the suspect’s family members of attempting to pay a 50 million Philippine peso bribe to one of the DOJ prosecutors handling the drug case; in exchange the case was to be dismissed. PDEA Special Enforcement Service head Major Ferdinand Marcelino has revealed that the 50 million peso bribe offer to a DOJ prosecutor was merely the first attempt of three. The Tecson family reportedly offered him 3 million pesos which was later raised to 20 million for the release of the suspects. PDEA Legal and Prosecution Service lawyer Alvaro Lazaro affirmed Marcelino’s accusations, which, however, were all denied by the suspects’ families.

The Chief State Prosecutor, Jovencito Zuño, categorically dismissed accusations that 50 million pesos had changed hands, and that he and the prosecutors had been bribed. “It’s not true. That’s a big lie. They’re just speculating,” he said. Zuño has also alleged that the factual findings were first reviewed by state prosecutors Philip Quimpo and Misael Ladaga. The Justice Secretary has ordered the NBI to investigate not only the government prosecutors but also the PDEA.

According to PDEA chief, Ret. Gen. Dionisio Santiago, the “Alabang Boys” – Richard Santos Brodett, Jorge Jordana Joseph and Joseph Ramirez Tecson – are part of an international drug network. “This is a big group, and they use the Internet to get drugs from America. This operation may lead to a bigger one. They (Alabang Boys) are second in line. It’s hard to penetrate the second line,” Santiago explained. (DOJ) Secretary Raul M. Gonzalez on Thursday, however, has asked PDEA Director General Dionisio Santiago to submit evidence to show that money changed hands or had been paid to DOJ prosecutors handling the case amid the pending NBI probe of the matter.

Meanwhile, The Philippines Congress is set to hold Congressional hearings on the case with a view to introducing legislation. “This is a big scandal involving a government agency,” said House vice chairman of committee on illegal drugs, Representative Antonio Cuenco of Cebu City. He has said that the House of Representatives‘ probe will begin on January 5. The three suspects are still detained at the PDEA Quezon City detention centre.

The Senate of the Philippines is also set to conduct hearing on the bribery mess. According to Dangerous Drugs Board chair Vicente “Tito” Sotto III, Sen. Gregorio “Gringo” Honasan, chair of the Senate committee on Public Order and Illegal Drugs, has agreed to lead a Senate inquiry investigating the 50-million peso drug bribe.

In a related drug bust operation, La Union Rep. Tomas Dumpit said that the buy-bust in his province had a ‘similar ending.’ “That’s very possible just like the case in Naguilian, La Union where a shabu (methamphetamine hydrochloride) laboratory was discovered in Barangay Bimotobot, Naguilian, La Union worth one trillion pesos but it was dismissed by the DOJ.” In July, a “shabu” laboratory was searched by the PDEA and the local police, who discovered eight truckloads of equipment and chemicals that could produce 180,000 kilograms of the prohibited drugs. La Union Bishop Artemio Rillera has recently petitioned the President to re-open the cases. On November 12, the DoJ three-member prosecution panel dismissed the cases against former Dagupan police chief Supt. Dionicio Borromeo, four policemen and the shabu laboratory lot owner. Because of the ‘Alabang Boys’ bribery mess, President Arroyo on Tuesday, ordered the reinvestigation of the shabu laboratory case.

This is not the first time that the Philippine judiciary and government had been involved in massive corruption. In the recent GSIS-Meralco bribery case, the High Court dismissed Associate Justice Vicente Q. Roxas, punished Associate Justice Jose L. Sabio, Jr. with 2 months suspension, and reprimanded 2 other CA Justices. In September 2006, Atty. Romeo Roxas accused Justice Minita Chico-Nazario of issuing a ruling for certain considerations, and calling the Supreme Court a “dispenser of injustice”. Roxas said her decision ordering him and one Santiago Pastor to return more than 17 million Philippine pesos to Antonio de Zuzuarregui Jr. was wrong and unjust. Roxas told Nazario: to “sleep well if you still can” and that she would be judged by the “Supreme Dispenser of Justice.” Roxas was cited for indirect contempt and fined 30,000 Philippine pesos.

In April 2007, Philippine Court of Appeals then Presiding Justice Ruben Reyes has ordered an investigation and a regular auditing and inventory of temporary restraining orders (TROs) issued by the 69 CA Justices. Reyes stated: “I will order a monthly or quarterly inventory of TROs, for transparency and to watch the movements of the so-called Dirty Dozen [the 12 most corrupt CA justices].” CJ Reynato Puno said that Ombudsman Merceditas Gutierrez had not yet submitted the list and the Supreme Court was waiting for its delivery amid her formal investigation against the “Dirty Dozen.”

In September 2007, Lawyer Victor de la Serna has accused Justice Dante Tinga of accepting a 10-million bribe Philippine pesos in the Johnny Chan versus Carmelita Fudot lawsuit, regarding a land located in Doljo, Panglao, Bohol. De la Serna alleged that in the September 26, 2007 meeting, Chan, owner of Bellevue Hotel, paid Tinga 10 million Philippine pesos in exchange for a favorable decision. On September 13, 2007, Tinga penned a decision in favor of Chan’s Cattleya Land Inc., over Fudot, client of De La Serna. The court, however, upheld Tinga, and fined De La Serna 30,000 Philippine pesos for indirect contempt.

In September 2007, Justice Consuelo Ynares-Santiago has denied charges that she received 10-million Philippine pesos (US$ 224,000) bribe money (as published by The Daily Tribune, Malaya newspaper’s Amado Macasaet and Newsbreak, the previous week).

In January 2005, and December 2006, Philippines Social Weather Stations has released the results of its 2 surveys on corruption in the judiciary. It has reported that: a) “like 1995, 1/4 of lawyers said many/very many judges are corrupt. But (49%) stated that a judges received bribes, just 8% of lawyers admitted they reported the bribery, because they could not prove it. [Tables 8-9]; judges, however, said, just 7% call many/very many judges as corrupt[Tables 10-11] ;b) Judges see some corruption; proportions who said – many/very many corrupt judges or justices: 17% in reference to RTC judges, 14% to MTC judges, 12% to Court of Appeals justices, 4% i to Shari’a Court judges, 4% to Sandiganbayan justices and 2% in reference to Supreme Court justices [Table 15].”

According to the 2008 Political and Economic Risk Consultancy (PERC) report, the Philippines, Thailand, Indonesia and China are considered among the most corrupt Asian economies. “The Philippines is a sad case when it comes to corruption, and is probably no worse than in places like Indonesia and Thailand,” the report added. PERC has revealed that “the Philippines scored 9.0 out of a possible 10 points under a grading system used by PERC under which zero is the best score and 10 the worst.”

Meanwhile, the Supreme Court of the Philippines last week, has affirmed the conviction and 40 years imprisonment sentence of Zeng Wa Shui, a Chinese citizen and Maribel Lagman, his Filipino partner. On March 14, 1996, both had possession, in Angeles City, Pampanga, of more than 600 kilos of liquid shabu and more than 1,600 kilos of ephedrine hydrochloride, a main ingredient in the production of the drug.

19
Jul

HIV-positive man receives 35 years for spitting on Dallas police officer

   Posted by: Admin   in Uncategorized

Sunday, May 18, 2008

An HIV-positive man was sentenced to 35 years in prison Wednesday, one day after being convicted of harassment of a public servant for spitting into the eye and open mouth of a Dallas, Texas police officer in May 2006. The United States Centers for Disease Control and Prevention says that no one has ever contracted HIV from saliva, and a gay-rights and AIDS advocacy group called the sentence excessive.

A Dallas County jury concluded that Willie Campbell’s act of spitting on policeman Dan Waller in 2006 constituted the use of his saliva as a deadly weapon. The incident occurred while Campbell, 42, was resisting arrest while being taken into custody for public intoxication.

“He turns and spits. He hits me in the eye and mouth. Then he told me he has AIDS. I immediately began looking for something to flush my eyes with,” said Waller to The Dallas Morning News.

Officer Waller responded after a bystander reported seeing an unconscious male lying outside a building. Dallas County prosecutors stated that Campbell attempted to fight paramedics and kicked the police officer who arrested him for public intoxication.

It’s been 25 years since the virus was identified, but there are still lots of fears.

Prosecutors said that Campbell yelled that he was innocent during the trial, and claimed a police officer was lying. Campbell’s lawyer Russell Heinrichs said that because he had a history of convictions including similarly attacking two other police officers, biting inmates, and other offenses, he was indicted under a habitual offender statute. The statute increased his minimum sentence to 25 years in prison. Because the jury ruled that Campbell’s saliva was used as a deadly weapon, he will not be eligible for parole until completing at least half his sentence.

If you look at the facts of this case, it was clear that the defendant intended to cause serious bodily injury.

The organization Lambda Legal (Lambda Legal Defense and Education Fund), which advocates for individuals living with HIV, says that saliva should not be considered a deadly weapon. Bebe Anderson, the HIV projects director at Lambda Legal, spoke with The Dallas Morning News about the sentence. “It’s been 25 years since the virus was identified, but there are still lots of fears,” said Anderson.

The Dallas County prosecutor who handled the trial, Jenni Morse, said that the deadly weapon finding was justified. “No matter how minuscule, there is some risk. That means there is the possibility of causing serious bodily injury or death,” said Morse. Dallas County District Attorney Craig Watkins stated: “If you look at the facts of this case, it was clear that the defendant intended to cause serious bodily injury.”

Contact with saliva, tears, or sweat has never been shown to result in transmission of HIV.

A page at the CDC’s website, HIV and Its Transmission, states: “HIV has been found in saliva and tears in very low quantities from some AIDS patients.” The subsection “Saliva, Tears, and Sweat” concludes that: “Contact with saliva, tears, or sweat has never been shown to result in transmission of HIV.” On Friday the Dallas County Health Department released a statement explaining that HIV is most commonly spread through sexual contact, sharing needles, or transfusion from an infected blood product.

13
Jul

Washington Dc Rich In Arts And Culture

   Posted by: Admin   in Dance

Washington DC Rich in Arts and Culture

by

Agnes Celina

Washington DC is very rich in culture and traditions. It is a center of many art and crafts galleries and has performed a vital role in protection and flourishing of these industries. Art forms a very important pillar of the culture of a nation. It depicts the expression and thinking of its people. Art is a silent form of creativity in which person sketches the thinking of his mind onto a paper which can be seen and preserved for centuries. Great nations always value and remember their artists. Washingtonians are no exception!!!

The National Gallery of Arts is the house of many beautiful paintings. Some of the paintings belong to 13th century while the work of the recent artists has also been covered. It is visited by many tourists every year who come and praise the work of the great artists. The painting that receives the greatest attention is Leonardo Da Vinci painting on display. Many European art lovers come here to see this one. There is also a wide collection of Italian paintings and sculptures. This gallery holds some of the finest sculptures in the world.

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

The Cyrus and Myrtle Katzen Arts Center is very well known for its performances. It has got capacious halls where the people can see some of the best works of performing arts. Not only this, there are many academic programs for teaching fine arts and performing arts to the students. Classes are held on dance, music, history and theater. The centre also contains a very comprehensive collection of the art work of Pablo Piccaso and Mark Chagall. The work of other artists like Roy Lichtenstein, Frank Stella, Andy Warhol and Amedo Modigliani is also present.

The Donald W. Reynolds Center For American Art and portraiture is known its two distinguished features. First one is the National Portrait gallery that houses the portraits of the national heroes of America. These include people who have valuable contributions in the history, sports, politics and culture. The portraits of some music composers are also present here. The second one is the Museum of American Art which houses more than forty thousand art works each of which is unique and distinguished. Nearly all the important artists of the history of the American art have been covered.

Ford s theatre provides the opportunity for the quality entertainment. It has given the start to many great performers. College and school students take part in the choirs and performances that are held here. Many universities also arrange their cultural programs in this theater to introduce their students to the audience. Apart from these many short plays like those of Shakespeare are performed here that win the hearts of the people. All these features make it a very famous place for the tourists and local peoples. It is also affordable and the tourists who are here in Washington but want to spend economically can benefit from the services of the Ford s theater.

In this manner Washington DC stands as one of the state with the richest culture and more and more is being added to make it distinguished.

Visit

Airport Taxi Dulles

,

Dulles Taxi

Article Source:

ArticleRich.com

Thursday, March 31, 2016

Businessman Rocky De La Fuente took some time to speak with Wikinews about his campaign for the U.S. Democratic Party’s 2016 presidential nomination.

The 61-year-old De La Fuente resides in San Diego, California, grew up in Tijuana, and owns multiple businesses and properties throughout the world. Since getting his start in the automobile industry, De La Fuente has branched out into the banking and real estate markets. Despite not having held or sought political office previously, he has been involved in politics, serving as the first-ever Hispanic superdelegate to the 1992 Democratic National Convention.

De La Fuente entered the 2016 presidential race last October largely due to his dissatisfaction with Republican front-runner Donald Trump. He argues he is a more accomplished businessman than Trump, and attacks Trump as “a clown,” “a joke,” “dangerous,” and “in the same category as Hitler.” Nevertheless, De La Fuente’s business background begets comparisons with Trump. The Alaskan Midnight Sun blog described him as the Democrats’ “own Donald Trump.”

While receiving only minimal media coverage, he has campaigned actively, and according to the latest Federal Election Commission filing, loaned almost US$ 4 million of his own money to the campaign. He has qualified for 48 primary and caucus ballots, but has not yet obtained any delegates to the 2016 Democratic National Convention. Thus far, according to the count at The Green Papers, De La Fuente has received 35,406 votes, or 0.23% of the total votes cast. He leads among the many lesser-known candidates but trails both Senator Bernie Sanders who has received nearly 6.5 million votes and front-runner Hillary Clinton who has just shy of 9 million votes.

With Wikinews reporter William S. Saturn?, De La Fuente discusses his personal background, his positions on political issues, his current campaign for president, and his political future.

11
Jul

US fans turn out for 2012 Phoenix Comicon

   Posted by: Admin   in Uncategorized

Saturday, June 2, 2012

Phoenix, Arizona — Last weekend, Phoenix fans of comics, science fiction, horror, fantasy, cos-play, anime and manga, Society for Creative Anachronism, and more, marked a milestone as the city held its tenth annual Phoenix Comicon at the Phoenix Convention Center. The event — which is entirely the work of more than 700 volunteers according to coordinator Colin Aprill — generated around US$5 million for the “Valley of the Sun” during its four-day run. Wikinews was there.

As one unknown source from the crowd was overheard saying, “It’s all about the fans.” Descending into the hall by escalator gave a sense of the scale to the creativity in the center. Fans could be seen scattering about in a flurry of motion on their way from one event to another and producing their own spectacle, most in costume, on their way.

This year the four-day convention in the Valley was estimated to set a new attendance record as 30,000 visitors showed. Most were clothed in costumes that transformed themselves into Batmans, creeper box heads, furries, Lady and Knight couple, pirates, pixies, Star Trek officers, Star Wars’ Empire troopers, Superwomen, and zombies. One of the most common activities at Comicon was people taking photos of each other while they took turns posing or snapping shots.

The Camp family stopped intermittently to have their photos taken by others. The Camps were led by eldest brother Jim “Batman” Camp. He attended Comicon with his sister Tina “Good Witch” Camp, who brought her daughter Katie “Super Woman.” Sibling Tony Camp, who attended with his daughter Stella “Bat Girl,” was said to be “the instigator” behind the family’s turnout at Comicon. “You get to be dressed up and can act goofy, and you don’t feel weird because everybody is dressing up, too,” said Tony about the family-friendly event.

The exhibit hall was filled with artists and merchants selling comic books, trinkets, memorabilia, wares and keepsakes. Amidst the shoppers, the photo opportunities continued to attract the most attention. For all the star-studded autograph booths and an artist alley with famed comic book artists, the most fun was simply enjoying the presence of other fans in costume.

The Thirteenth Floor Haunted House took advantage of the photo-op activity by supplying monsters “Nemesis” and “Collosus” for more of this activity. Manager Tim Pugsley says the company owns five out of the top 1300 haunted houses in the United States. The monsters’ human counterparts remained anonymous on purpose. “The characters don’t get ruined that way,” said a handler.

Montana E. had his picture taken with “Nemesis” by friend Joey Deihl, while Eddie Deleon and young Raquel Munguia posed with “Collosus.”

Fans also gathered Saturday for a flash mob event, in which people danced or acted to Michael Jackson’s mega-hit song “Thriller”. An entertainment group calling themselves “The Zombie Chicks” attended the flash mob and then later drifted in trance through the exhibitor hall of the convention center. “We’re here for the performance, not for the stuff,” said Tori Hoganson, who pointed like a bored consumer at the trinkets in a stall. She was careful to use as few words as possible to speak her mind out of character before going back mindfully to her mindless performance. She was accompanied by her friends, who in human form are known as Emmalaine Wright and Lyle Yanak. The group was watched closely and held at bay by “The Keeper” Ben Fondren, who lurked nearby as a faceless shadow.

The fans also turned out to see big stars, like William Shatner, who portrayed Captain Kirk in the original Star Trek series; LeVar Burton, who is synonymous with the ship’s engineer Geordi La Forge in Star Trek: The Next Generation; or Jon Bernthal, who was the sometimes hero and sometimes anti-hero Shane Walsh in the TV series The Waking Dead.

Father and son John and David Phelps, who are both Star Trek fans, attended the event together and were excited to see Shatner. “He can be funny, but he’s also fun to laugh at,” said John Phelps with a smile. His son David liked to laugh at Shatner when the artist attempted to sing. Shatner has had an alternative “tongue-in-cheek” career singing hits such as “Common People” on the 2004 album Has Been.

Hunter Lewis got Jon Bernthal’s autograph, which came penned with the message, “I F@&#’in hate Zombies.” Zombies were the main source of the angst that bedeviled characters in his hit TV show. Hunter’s friends Justin Rose, Ryan Scola and Taylor Fagen also met with Bernthal in the autograph line. This was just one of many examples of how friends and family were bonding and sharing together in the spectacle throughout the convention center.

There were also breakout sessions for classes, performances, gaming, and crafts. Nyki Robertson Crosby, a.k.a. “Lady Thunder,” who is the matriarch of one of the largest houses for the Society for Creative Anachronism in the Phoenix area, sponsored a class on creating a “Basic T-shirt Tunic” so that anyone who wanted to attend an S.C.A. event in costume could fit in with a minimal investment in time, effort and money. She said the secret is to create a costume that could be one someone would wear between 600–1600 A.D. “We’re the Society of Creative Anachronism and not the Society of Creative Accuracy,” Robertson Crosby said.

The Phoenix Comicon was carnivalesque in its look and feel. And it spread well beyond the convention center as knights and Wonderland characters and more walked the streets of Phoenix and lunched and dined with the “civilians”. The civilians were the ones who kept asking, “What’s going on?”

They may have been “out of towners” visiting the “Valley of the Sun” between May 24–27, because after ten years, Phoenix now has an established tradition.

This year’s largest Comicon is to be Comic-Con International San Diego 2012, July 12–15 in California.

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.