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Sunday, September 14, 2014

National Football League (NFL) commissioner Roger Goodell received a letter from sixteen female United States Senators on Thursday calling for the NFL to adopt a zero tolerance policy on domestic violence.

The senators criticized the NFL for their new domestic violence policy enacted in August. The new policy says a player will receive a six game suspension for their first offense.

A video of Baltimore Ravens player Ray Rice assaulting the woman who has since married him was recently released by website TMZ. The assault took place in a elevator at an Atlantic City, New Jersey casino. Rice was initially given a two game suspension; later, following the video release, the Ravens terminated Rice’s contract and the NFL indefinitely suspended him.

The bipartisan group of senators said, “If you violently assault a woman, you shouldn’t get a second chance to play in the NFL.”

The league stated they had initiated an independent investigation by former Federal Bureau of Investigation Director Robert Mueller into the Rice incident.

The cross-party signatories were, from the Democratic Party,  Barbara Boxer and Dianne Feinstein, of California,  Debbie Stabenow, Michigan;  Amy Klobuchar, Minnesota;  Patty Murray and Maria Cantwell, Washington;  Jeanne Shaheen, New Hampshire;  Kirsten Gillibrand, New York;  Barbara Mikulski, Maryland;  Mazie Hirono, Hawaii;  Heidi Heitkamp, North Dakota;  Elizabeth Warren, Massachusetts;  Tammy Baldwin, Wisconsin;  Kay Hagan, North Carolina;  and, from the Republican Party, Senators Kelly Ayotte of New Hampshire, and Susan Collins of Maine.

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.

Friday, May 28, 2010

A man accused of being a serial killer has appeared in Bradford magistrates court in West Yorkshire today charged with three counts of murder. 40-year-old Stephen Griffiths is accused of killing Suzanne Blamires, 36, Susan Rushworth, 43, and Shelley Armitage, 31, all prostitutes.

Griffiths, a former van driver with a degree in psychology and studying for a PhD in criminology, gave his name as “Crossbow Cannibal” when asked. He has been in police custody since Monday when police were alerted to a CCTV recording that appeared to show a murder.

A caretaker had been reviewing footage from the flats where Griffiths lives when he saw footage of a woman and a man enter a flat early on Saturday morning. Two minutes later, she ran out and was followed by the man, who beat her to the ground and shot her in the head with a crossbow. Over the course of the weekend, the man was seen several times with bin bags and a rucksack.

On Tuesday, the day after the arrest of Griffiths, Blamires’ remains were found in the River Aire in nearby Shipley. She had been cut into several pieces and her head was located in a rucksack. Police continue to search for the other two alleged victims; Rushworth has been missing since June last year and Armitage vanished in April.

Police have searched much of Bradford’s red-light district, where Griffiths’ third-floor flat is located. Forensic investigations at the flat are expected to last around three weeks. There are plans to search landfill sites for bodies, and police may yet expand the inquiry to cover three more cold cases, although at present they have not been linked to the current inquiry.

Sniffer dogs have been used throughout the city, and police have been taking away plastic evidence bags. Some alleyways remain closed off. Police charged their suspect yesterday.

Griffiths was known as “the lizard man” in his block of flats owing to his habit of walking his two pet monitor lizards in the area. One neighbour is reported to have quoted him as saying he was studying for “a PhD in murder and Jack the Ripper,” and he has spent time in a high-security psychiatric hospital. During his five-minute court appearance he did not enter a plea, kept his head bowed and fidgeted with his cuffed hands. He said “Here, I guess,” when asked for his address.

As he stood in the glass-fronted dock, guarded by three security officers, he was watched by the families of Rushworth and Armitage, who were accompanied by police family liaison officers. Blamires’ family chose not to be present, but the victim’s mother Nicky Blamires, 54, has told the press that Suzanne was a “much-loved” family member even though she “went down the wrong path and did not have the life she was meant to have.” “Nobody deserves this,” she said. “All these girls were human beings and people’s daughters.”

Griffiths’ morning court appearance was followed by a second one this afternoon, at Bradford Crown Court. This time, he confirmed his name without incident. He was remanded into custody until next month, when he will appear in court again.

British media has been quick to compare the case to Peter Sutcliffe, dubbed the “Yorkshire Ripper”. Sutcliffe was a Bradford killer responsible for thirteen murders and seven attempted murders, including several prostitutes. Since his 1981 conviction he has spent most of the last three decades in Broadmoor high-security psychiatric hospital near London.

Saturday, November 16, 2019

In findings published on Wednesday in the journal PLOS ONE, an international team of scientists report ancient Egyptians captured sacred ibises (Threskiornis aethiopicus) from the wild for use in ritual sacrifice rather than domesticating the birds.

Millions of mummified ibis birds have been found in Egyptian tombs and catacombs in Saqqara and Tuna el-Gebel, and Egyptologists have reported they were sacrificed to the god Thoth, who is often depicted with the head of an ibis, the way Horus is shown with the head of a falcon and Bast with the head of a cat.

Lead author Sally Wasef of Australia’s Griffith University explained to the press, “The ibis was considered [to represent] the god Thoth, the god of wisdom, the god of magic, the god of judgment, writing all sorts of things […] If you had a boss that annoys you and you don’t feel like you are getting a good judgment from him or you want fairness and justice, you go and ask Thoth to interfere and in return you promise to offer him an ibis, a mummified ibis, in his annual feast.”

Some scholars have suggested Egyptians raised or farmed the birds to make them available in the necessary numbers. While some ancient Egyptian writers made passing mention of feeding bread and plants to ibises, according to Wasef archaeologists have not yet turned up any hatchery structures.

The team collected DNA samples from mummified birds collected from six separate catacombs including sites at Abydos, Saqqara, and Tuna el-Gebel with permission from the Egyptian Ministry of State for Antiquity, and several museums offered to send tissue samples from the mummified ibises in their collections. They were able to extract complete mitochondrial DNA sequences from fourteen. These they compared to those of 26 modern ibises from different parts of Africa — ibises of this species disappeared from Egypt itself during modern times. They found the DNA sequences from the ancient birds to be relatively diverse. If the birds had been domesticated or even heavily farmed, they reasoned, the Egyptian specimens would have shown only a little genetic diversity.

Wasif suggested, in likelihood, “next to each temple there was like a lake or a wetland — it is a natural habitat for the ibis to live in and if you are giving them food they will keep coming[.]”

According to the researchers, sacrifice and mummification of sacred ibises was common in Egypt from about 664 b.c.e. to 250 c.e., from the twenty-sixth dynasty into the early period of Roman Egypt.

Monday, May 21, 2007

Do you have a hard time finding a parking space? Take the bus or tram if you go to the city. That’s the message Belgian bus company De Lijn (The Line) is sending to promote public transport as a solution for car parking problems. As a part of their media campaign, they have jokingly suggested that people use the top of the busses as parking space.

Another idea they are using in their media campaign: maybe you could park your car on the bottom of a canal? The bus company is using an invented diving company called Cardive, which has divers that offer to dump your car in the canal. The divers walk around in cities and hand out free bus tickets and maps of the bus network.

To reach car drivers who are not using public transport, the media campaign has several radio commercials that present other solutions to the car parking problem. You could use “asphalt-spray” to camouflage your car, making it invisible for policemen (although you then need to remember where you’ve parked). Or you could use the “flat tire kit”, which comes with a fake flat tire and an inflatable dummy, so it looks like you’re replacing your flat tire. The final idea the bus company has is to use a View-Master to fool parking guards into believing that your car has been stationed correctly.

A survey among 4000 customers of De Lijn shows that two out of three car owners who use public transport, do so to avoid parking space troubles, and in cities this percentage rises to 90%. The survey further shows that 39% use the bus to go shopping.

During the month of May, the auto-bus and the divers tour several cities in Flanders (Leuven, Hasselt, Ghent, Bruges and Antwerp).

Monday, February 14, 2005

Three U.S.-government sources have reported the existence of U.S. military drone flights made over Iran, carrying surveillance equipment and particle filters capable of detecting nuclear materials. Confusingly, U.S.-military sources denied the overflights.

Iranian military personnel said they were aware of them, and sightings had prompted a number of UFO reports in the area of Iranian nuclear installations. They viewed them as provocative and probably designed to trick the Iranians into turning on their radar so that the US could determine potential targets.

Because Iran does not have political ties with the US, it has formally issued its objections to the flights through Swiss diplomats.

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Thursday, February 8, 2007

Anna Nicole Smith, who was born as Vickie Lynn Hogan, was found unconscious in the Seminole Hard Rock Hotel and Casino in Hollywood, Florida in her 6th floor hotel room. One of her attorneys has confirmed that she was pronounced dead at a hospital less than an hour later. She was 39.

Paramedics are reported to have performed CPR on the actress and had to have breathing equipment inserted into her chest after a nurse found her passed out in her hotel room and witnesses say that Smith was receiving CPR while the ambulance took her to the hospital around 2:00 p.m. [EST]. Smith’s bodyguard is reported to have given Smith “cardiopulmonary resuscitation” before paramedics arrived.

“I can confirm that she is deceased. It’s as shocking to me as to you guys. I don’t know what the cause was. This is just tragic and that’s all you can say right now and I don’t know anything further,” said one of Anna Nicole’s lawyers, Ron Rale.

Smith was taken by ambulance to Memorial Regional Hospital and “checked in Monday [to the hotel] at 8 p.m. as a guest. She was due to check out tomorrow,” said cafe spokeswoman, Danielle Giordaano.

“Our rescue crews got there, and they were escorted to a bedroom, where they found a female alone in her room and unresponsive. We then began our normal protocol for dealing with a non-breathing individual. The victim never regained consciousness and we continued with CPR and all life-support methods right up until the time we delivered her to the hospital and then the hospital takes over,” said a spokesman for the responding paramedics team. Smith was pronounced dead at the hospital at 2:49 p.m. [EST].

According to Broward County Medical Examiner’s Office investigator, Edwina Johnson, an autopsy will be performed on Smith on Friday and that her death is currently being investigated. Authorities are not yet treating her death as a crime.

One of Smith’s attorneys, Howard K. Stern, is reported to have been staying with Smith in her room, but authorities have yet to locate Mr. Stern. Mr. Stern is identified by TRIMSPA as Smith’s husband.

“He was here with her. I don’t know where he’s at right now,” said Charlie Tiger the chief of the Seminole Police Department also adding that Smith’s 5 month old baby was not with them.

Smith was a spokeswoman for the company TRIMSPA when she passed, and TrimSpa has removed all content from their site for now, shutting it down and posting only a message in response to her death.

“Today, Anna Nicole Smith’s grief stricken and tumultuous personal life came to an end. Anna came to our Company as a customer, but she departs it as a friend. While life for Anna Nicole was not easy these past few months, she held dear her husband, Howard K. Stern, her daughter, Dannielynn Hope, her most cherished friends, beloved dogs, and finally, her work with TRIMSPA. Anna knew both the joy of giving life, and the heartache of losing a child. We pray that she is granted the peace that eluded her more recent days on earth, and that she find comfort in the presence of her son, Daniel,” said the statement on TRIMSPA’s website posted by Alex Goen, CEO and Founder of TRIMSPA.

Smith was rushed to the hospital in November of 2006 after she was suffering from symptoms of pneumonia. Smith’s son, Daniel Smith, died on September 10, 2006 shortly after Anna gave birth to a baby girl 5 months ago.

Smith was shopping for a new boat in Florida and reports say she felt ill and had a fever for at least a day.