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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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Immediate $10,000 Signature Loans

Submitted by: James01 Martin

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[youtube]http://www.youtube.com/watch?v=ZtbB2RI90hA[/youtube]

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About the Author: James Martin is a veteran finance consultant having more then 30 years experience of writing topics correlated to Bad credit loans. Get on spot solution of your doubts about bad credit signature loans, Visit:

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5-year old American girl dies after visiting the dentist

Friday, September 29, 2006

Diamond Brownridge, a 5-year old girl from Chicago, Illinois, has died after a visit to the dentist. Children’s Memorial Hospital officials say that the girl was rushed to the hospital when she never woke up after being sedated for a dental procedure. She had been in a coma, on life support, since being admitted to the hospital early in the weekend.

“She passed very peacefully and beautifully,” said the hospital in a statement that the family issued.

Ommettress Travis, the mother of the girl, was asked not to remain inside the room while dentists were operating on the girl to repair two cavities and to have at least two caps replaced. Travis says after thirty minutes she was asked to come back in and found Brownridge not breathing, in the dentist chair.

Hicham Riba, a specialist and professional in anesthesia, who was also licensed, was the dentist in charge of the procedure.

“My family and I are so sad. May God bless Diamond and her family. Every time you have a tragedy like this, you pray more. I don’t think I will ever go back to a normal life after an experience like this,” Riba said in a statement on Wednesday, September 28.

According to the family, the girl had been given at least a triple dose of medicine that sedated her. Those drugs include: nitrous oxide gas, a single dose of an “oral agent” and an IV.

A judge has ordered that all equipment and materials used during the operation be protected and examined. The girl’s medical records have also been ordered to be examined.

There is no word on whether or not any charges will be filed against Riba or any of the dentist’s staff.

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Wikinews interviews India’s first female Paralympic medalist Deepa Malik

Wednesday, September 14, 2016

Wikinews on Sunday interviewed Deepa Malik, India’s first female Paralympic medalist, who won the silver medal in the Women’s Shot Put F53 event finals, at the 2016 Summer Paralympics being held in Rio de Janeiro, Brazil.

Malik lost the gold medal to Bahrain’s Fatema Nedham, who had the best throw 4.76 metres, setting a new regional record in paralympic women’s shot put.

Arriving in Rio, Malik had initial trouble due to the airline losing her luggage; it didn’t all arrive until three days later: clothes, opening ceremony outfit and equipment including competition belts.

In early August there was a possibly that Malik might lose her spot on the Indian team going to Rio, with fellow female para athlete Karam Jyoti challenging Malik’s selection and the Sport’s Authority of Indian’s selection process at the High Court of Delhi. The high court ruled against the plaintiff.

Both of these events occurred against the wider backdrop of the Paralympic Committee of India being suspended by the International Paralympic Committee. The Sports Authority of India took final authority over the Paralympic Committee of India for sending a team to Rio, with agreement from the International Paralympic Committee; this arrangement allowed India to compete under their own flag at the 2016 Summer Paralympics.

((Wikinews)) Congratulations on your result.

Deepa Malik: Thank you so much.

((WN)) Even though you are currently waiting in terms of the end result of the protest.

DM: Absolutely, but I’m happy with my performance, I’m happy that I could improve and I could prove myself, there were a lot of questions back home on my selection and on my hard work. My single-minded focus that I had put into this journey of being a Paralympian. Well, I am just so anxious about the results.

((WN)) So how much did the court case and KLM losing your luggage impact on your preparations and your result today?

DM: Yes, but I’m happy that my husband was my coach here, and, so, I had huge moral support in terms of keeping my mind and everything in peace. Most of the equipment was available in the gym, we had to alter the training a bit like the throw days couldn’t happen, so we instead exercised. No, I think that is what sports teaches you, you can’t live on excuses, I never lived on excuses.

((WN)) You work around things.

DM: Yes, that’s what we do, that’s what a sportsman is suppose to do, rise again, and then fall and rise, and run, and I did exactly that.

((WN)) What message should other Indian women take away from your participation and result in Rio?

DM: This is going to be the first female medal that India would have ever won in Paralympics and as it is I’m working aggressively towards transforming this entire concept of empowerment for the women, especially the women in disabilities in my country. So I’m really happy that this medal give my voice more value, more strength, and I’ll be able to impact even more, though on the ninth of September the Prime Minister’s jury has awarded me with the award of Women Transforming India, I’m so happy that within three days of getting that award, I have added another feather to it and proved that yes this journey of ability beyond disability. And not just disability, this is a universal message that if women put their minds to their dreams they can balance it; age, gender, disability, is all a state of mind. If you put your passion and hard work, you can get it, and in the Indian scenario were they say infrastructure is a challenge, women participation that are taboo, religiously and psychologically, disabilities taken as a curse, dependability[?] increases because of lack of infrastructure, well, time to get rid of the excuses. We have to start erasing the excuses and believe your own self and that’s the message I’m carrying with all the activities that I do whether it is car rallying, motorbiking or swimming across a river, every record or every unique activity that I’ve undertaken and just below paralysis has been aimed at changing the stereotypical image of a women and also a women in disability. ?

((WN)) Will you and your daughter both be trying to represent India at the 2020 Games in Tokyo?

DM: I’m very sure about myself, but my daughter, though, she’s a Paralympian, yes, which again was considered a huge taboo in my society that oh my god both the mother and the daughter both have a physical disability, what is going to happen to these two, but we did good and she is working as a youth council representative in the Commonwealth countries, for the Paralympics specially, and her work though her foundation called Wheeling Happiness has earned her the young leader award from the Queen of England, so I guess her focus is now shifting to more on community service and empowering others and not just herself. And she is leaving on first of October to Loughborough to do her PhD doctorate programme in disability sports psychology, I’m very sure Loughborough is going to give her a huge amount of sports [inaudible] but how much time she going to decide to devote to sports and studies is her decision entirely. That’s her dream, her journey. 

((WN)) How helpful was the Sports Authority of India in preparing and supporting your Rio ambitions??

DM: I think 100 per cent, because the biggest challenge we have back home is a customised training, or the infrastructure for that matter, so we were given the ability and the funds to train the way we wanted to train, and the funds were huge which were given to us, out accommodation, food, diet, physical therapist, psychologist, trainer, gym, everything was paid for, and customised, you want it and they give it. So I guess this was easy financially this time, because every expenses was taken care of, my husband could also take a sabbatical from his job and join my journey, and having him twenty-four seven and coaching me because he himself is an athlete, and have the best diet and counselling. I think it’s worked wonders, so I give shout out and a huge applaud.

((WN)) How important was it for you to have a carer in Rio?

DM: Yes, again we really have to appreciate the sports authority of India and also Paralympic Committee of India, which is going to start to function post-Rio in India. They were very very quick, they were very very adamant in giving the wheelchair people escorts. And I need help twenty four seven, I’m just below paralysed so it was really huge, emotionally, mentally, psychically training-wise, every way I think the situation was perfect.

((WN)) Thank you for your time.

DM: Thank you.
Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_India%27s_first_female_Paralympic_medalist_Deepa_Malik&oldid=4567524”
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Motorcycle Trike Suspension

Trike suspension Motorcycle based trike

Arguable, there are three basic suspension systems, which can be used on a motorcycle-based trike. Live axle. De-dion axle and Independent.

In this article, we will examine the pros and cons of each system in an attempt to determine which is the most suitable in the construction of a motorcycle based trike using conventional motorcycle telescopic fork steering.

We are deliberately omitting the commonest home build set up which is best described as, “rigid” or, “hard tail” as this does not represent a suspension configuration and is also technically not sanctioned by the construction and use regulations for a vehicle with more than two wheels.

We will begin with the configuration most common with professional motorcycle trike builders:

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

Independent suspension

This set up is to be found on most four wheeled vehicle having sporting aspirations and has the huge advantage of being able to deflect minor bumps and road imperfections without disturbing the camber castor angle of the deflecting wheel or the plane of the vehicle. This configuration is by far the optimum set up for use in a four-wheeled vehicle and probably explains its attraction to the trike scene.

Its main disadvantage when applied to a three-wheeled vehicle is inability to control body roll. With only three wheels, when one independent rear wheel is deflected, the vehicle leans in that direction causing the entire vehicle to roll the opposite way during cornering, requiring heavy anti roll bars or very stiff springing to address the problem. Axles donors are plentiful, Sierra and BMW being the commonest.

De-Dion axle

Possibly the ideal axle set up for a three-wheeled motorcycle.

This configuration has the advantage of no camber displacement on rebound, reducing the undesirable roll effect of the independent suspension set up without the use of heavy anti roll bars or stiff spring shock combinations. The De-Dion axle shares the benefits of the independent axle by having the differential unit static mounted in the frame while the wheel hubs move up and down using a trailing arm system connected by a rigid beam from hub to hub controlling the body roll.

Main disadvantage of this system is weight and cost, De-Dion axles are rare. Rover P6 axles spring to mind but are few and far between these days, however, it is possible to manufacture a De-Dion style axle from the common independent axle cars, for example: Sierra and BMW.

Live axle

As used in most 70’s and 80’s rear wheel drive cars, these axles were cheap to manufacture and very plentiful. Not so plentiful these days and scarcer still in final drive ratios suiting motorcycle trikes.

The humble Reliant and Ford Escort/Capri axles are the live axles of choice for most builders as they are available in high final drive ratios, suiting the majority of motorbikes.

Disadvantages of the live axle are constantly varying camber castor angle during pre-load and rebound affecting the plane of the vehicle leading to a shaking at the headstock. This is hugely offset however by the stability of the vehicle during cornering making high cornering speeds a real possibility whilst not compromising weight or ride comfort Designed sensibly, as in the popular Rhino trike range, a live axle set up can be the optimum arrangement for a motorcycle trike. Very important with a live axle trike is choice of front tyre and tyre pressure with a flat section wide front tyre running relatively low tyre pressure being the optimum choice.

Article Source: sooperarticles.com/automotive-articles/motorcycles-articles/motorcycle-trike-suspension-108773.html

About Author:

Nick Boyland is an engineer working in the manufacture of motorcycle-based trikes. Having twice worked as an engineering expert for TV’s “Scrapheap Challenge” (Junkyard wars) Nick has written many articles and reviews on the subject of Motorcycle trike design rhino-trikes.co.ukAuthor: Nick Boyland

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WTO calls meeting on trade finance and economic crisis

Friday, October 10, 2008

The head of the World Trade Organization, Pascal Lamy, has called for a meeting to assess the trade finance situation, including the impact on developing countries. The meeting, which is schedule for November 12, will allow credit institutes and government officials to review the current trade credit situation.

“A number of WTO members, in particular developing countries, have flagged the problems they are facing in arranging trade financing,” wrote WTO Director-General Lamy.

“The purpose of our next meeting will be to review how the international market for trade-financing is faring in view of the current very difficult conditions on international financial markets,” he continued.

Credit is vital to trade with around 90 percent of the US$14 trillion in world trade financed by credit. While this market has done well compared to other credit markets, bankers are suggesting that problems might occur shortly. Rates on these trade loans have increased by 3 percent.

Developing countries have seen several recent years of positive growth but the effects of the global financial crisis on these countries have pushed growth levels down.

Lamy has asked that the heads of the World Bank, International Monetary Fund, and other regional development banks to attend. He also invited the five leading commercial banks in trade finance: Citigroup, Commerzbank, Royal Bank of Scotland, JPMorgan Chase, and HSBC.

Lamy also said that work on the Doha Development Round of trade is continuing but did not say if it would be finished this year.

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Turkish government stops search of survivors of Aegean Sea earthquake off Izmir

Saturday, November 7, 2020

On Wednesday, the Tuskish government declared they were officially ending the search of survivors of the earthquake in the Aegean Sea. Reports said at least 116 people died due to this earthquake, while the number of casualties rose to at least 1,035 in Turkey and about 19 in Greece.

On the Greek island of Samos, two people died when a wall collapsed. The disaster caused buildings on Samos and in the west coast city of Izmir, Turkey, to collapse or be severely damaged. The earthquake also caused a “mini tsunami” to flood some streets of Samos and Izmir.

The earthquake occurred on Friday with its epicentre in the Aegean Sea near Samos. Turkey’s Disaster and Emergency Management Presidency reported the magnitude of the earthquake was 6.6 and, as of Wednesday, 1885 aftershocks had occurred since the earthquake. The US Geological Survey reported it was of 7.0 magnitude.

Local officials said on Saturday, about 20 buildings collapsed. Early reports suggested police and people used simple tools such as chainsaws to rescue people who were trapped.

Turkey and Greece had earlier had poor relations over disputed resources in the Mediterranean, but the leaders of the two countries spoke by telephone on Friday night, and publicly expressed their willingness to help each other.

Retrieved from “https://en.wikinews.org/w/index.php?title=Turkish_government_stops_search_of_survivors_of_Aegean_Sea_earthquake_off_Izmir&oldid=4626428”
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Fifteen flu sufferers die in Wales in one week

Friday, January 14, 2011

Over the course of the last week, fifteen people who have suffered from influenza have died in Wales, as reported to the Welsh Assembly Government. The total amount of flu-related deaths in Wales since October 2010 has now increased to 27.

Despite the slight increase in the clinical consultation rate for influenza this week compared to the previous week, the rate of consultations for flu-like illness in Wales still remains within the levels of normal seasonal flu activity.

On Tuesday, 49 people were being treated in critical care beds in hospitals around Wales, according to health officials. With twelve reported admissions, Aneurin Bevan Local Health Board had the highest amount of critical care patients in Wales. Betsi Cadwaladr University Local Health Board has the second highest total number of patients experiencing this critical care in the country, with eleven being cared for. Cardiff and Vale University Health Board and Abertawe Bro Morgannwg University Health Board have nine important care admissions each. Cwm Taf NHS Trust contains five of such patients, while Hywel Dda NHS Trust has three.

The age group of 25–34 years old had the largest amount of meetings with general practitioners; the rate of consultation was 147 people for every 100,000. For all age groups, 93 people out of every one hundred thousand have been consulting with a GP; on January 5, the total figure stood at 85 meetings per 100,000.

“Despite the slight increase in the clinical consultation rate for influenza this week compared to the previous week, the rate of consultations for flu-like illness in Wales still remains within the levels of normal seasonal flu activity,” said Dr. Tony Jowell, the Chief Medical Officer of Wales. “Most healthy people will recover from flu-like illnesses within five to seven days with plenty of rest and drinking non-alcoholic fluids. On the issue of vaccination against seasonal flu, whilst we have been working to make stocks of the vaccine that was developed against swine flu available to be used where supplies of seasonal flu vaccine have run low, we are now well into the flu season.”

According to Media Wales, 13 patients experiencing flu-related symptoms were getting treatment at Withybush General Hospital in Haverfordwest on Tuesday. Meanwhile, five were receiving hospital treatment at Bronglais General Hospital in Aberystwyth. Also, Carmarthenshire NHS Trust in Llanelli and West Wales General Hospital in Carmarthen both had a solitary patient.

Jowell also commented: “People in at-risk groups are at a higher risk of complications from seasonal flu, and the best protection is early vaccination. A press and publicity campaign has been running since October and has included television, radio and bus adverts to let people know if they are in an at-risk group, and that the vaccine is available free of charge to those groups from GPs. We have also encouraged health boards and GPs to ensure that their patients and front line NHS staff are vaccinated against seasonal flu.”

Throughout the United Kingdom, 62 individuals reportedly died in the last week, as the result of suffering from influenza. The majority of these victims were suffering from swine flu. In most of these cases, the sufferers were aged between 15 and 64. However, nine of the fatalities were of children aged below fourteen.

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Does Diindolylmethane From Broccoli Help With Estrogen Balance?

By Darrell Miller

Diindolylmethane from broccoli can help with estrogen balance: There is plenty of evidence to suggest that, but before discussing the whys and wherefores, let’s first have a look at the substance, where it comes from and why it should have any effect on estrogen or its balance.

Diindolylmethane is an indole contained in brassicas such as broccoli, cabbage, kale, brussel sprouts and cauliflower. It is a dimer of indole-3-carbinol, which is itself formed by the autolytic degradation of glucosinolate glucobrassicin which is found in brassicas. Both this and the dimeric diindolylmethane are currently being tested for their antioxidant, anticancer and antiatherogenic properties, although this type of research has been mainly made on animals. When the cell walls of brassicas are ruptured, the enzyme myrosinase is released, that breaks down the glucobrassicin.

Because diindolylmethane is oil soluble it is more bioavailable to the body in the presence of vitamin E and other lipophilic substances, and these are normally included in oral supplements. However, back to estrogen and its effects upon human estrogen balance. Estrogen is the name for a group of steroids that function substantially as the female sex hormone. They have many effects on the body, including regulation of the menstrual cycle, breast development and promote the formation of secondary female characteristics such as reduced height and muscle mass.

Estrogen is also present in the male, where it regulates several factors pertaining to the reproductive system. It does not, however, take part in the process that determines sexual desire. If all of these properties are considered it would seem logical to believe that estrogen levels could be used to control weight increase, although claims that it can be use to enhance sexual performance seem ill founded: based more on hope than on science!

[youtube]http://www.youtube.com/watch?v=-_9pY3-aOP8[/youtube]

What science appears to have found, however, is that estrogen dominance, due to an imbalance between estrogen and progesterone levels in the body, can give rise to increased weight, and even obesity, in women. It can also lead to uterine, ovarian and breast cancers, and cervical dysplasia which, while not cancer, can give rise to cervical cancer if not treated. Estrogen imbalance, therefore, is not good news and something to be avoided if it possibly can. So what can be done to avoid it?

The answer is to find a hormonal balance, and this is where diindolylmethane (DIM) comes in. The substance has been found to have a positive effect on the balance between estrogen and progesterone, although eating broccoli will not be sufficient to do the job properly. Insufficient DIM is released by breaking the cell walls of broccoli through chewing to have much effect on the balance, about a kilo of broccoli a day being needed to have any noticeable effect. It is the diindolylmethane supplements that are able to have the desired effect in restoring the hormone balance and eliminating the undesirable effects of estrogen imbalance.

But why should estrogen imbalance occur? What are the factors that cause this dangerous condition, and if it is so common how did our ancestors manage without today’s science? The answer to the second question lies in that to the first, but before we discuss that don’t go thinking that your ancestors managed through thick and thin. Perhaps yours did, but your life expectancy is significantly greater than that of your parents when they were born. In fact, you don’t have to go too far up your family tree to when you would be doing well if you hit forty! So the argument about your ancestors doesn’t wash.

In fact, an estrogen imbalance can be caused by several factors: a slow estrogen metabolism that leads to an excess of estrogen because it is not broken down quickly enough is common, but far more common is the effect of pollutants such as pesticides, car exhaust fumes, emulsifiers, household cleaners and even some soaps. They contain chemicals known as xenoestrogens that our body believes to be real estrogens. They can stick to estrogen receptors on healthy cells, and can also prevent true estrogen from binding to the cell it should bind to. This results in an increase in free estrogen that cannot bind to the estrogen receptors that it should. Your ancestors did not have these problems with such ‘estrogen mimics’ and so managed just fine.

There is also the fact that estrogen can be broken down in the liver by means of two different routes: one leads to a form of estrogen that metabolizes to provide many benefits, such as strong bones and a reduction in heart disease, while the other has the opposite effect of causing cancers, depression, osteoporosis and problems with your immune system. That is by no means the full list: you don’t want to see that, believe me!

You might think that if estrogen is dominant over progesterone, then taking progesterone would resolve the problem. It would seem to be a good cure. In fact, it is not a good idea since progesterone can be metabolized into yet more estrogen, making the problem even worse. The real answer is to take a supplement containing the substance that solves the problem by changing the estrogen metabolism pathways in the liver: diindolylmethane. More of the so-called “good” estrogen metabolites are formed, and less of the bad. The actual estrogen levels are not changed, but the way in which the excess estrogen causes harm is changed. That way, it doesn’t matter what the imbalance is, the estrogen cannot do ham to your body.

DIM possesses many potential positive benefits when used as a supplement. It can reduce your chances of getting breast, cervical and ovarian cancers, and also acts as a strong antioxidant, and helps to strengthen your immune system. It might help you to lose weight, but more studies are needed before this can be claimed conclusively. However, there is evidence at the moment that it has a weight reducing effect.

Its effect on sexual health is largely unfounded, but the effect of a placebo in this area can be astounding: that indicates how much psychology has to do with sexual performance. Nevertheless, the known and projected benefits of diindolylmethane are so significant that taking a supplement would seem a reasonable thing to do, and although your mom was right about you eating your broccoli, brassicas alone are not a rich enough source for a significant effect.

About the Author: More information on

dim

for estrogen balance is available at VitaNet , LLC Health Food Store. http://vitanetonline.com/

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Wikinews’ overview of the year 2008

Wednesday, December 31, 2008

Also try the 2008 World News Quiz of the year.

What would you tell your grandchildren about 2008 if they asked you about it in, let’s say, 20 years’ time? If the answer to a quiz question was 2008, what would the question be? The year that markets collapsed, or perhaps the year that Obama became US president? Or the year Heath Ledger died?

Let’s take a look at some of the important stories of 2008. Links to the original Wikinews articles are in all the titles.

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