Clothes worth millions of euros are being blocked in European warehouses after the European Union imposed quotas on ten types of textiles from China.
The European Commission agreed to the quotas with China in July and many of them, including jumpers (sweaters) and trousers were quickly exceeded.
Retailers across Europe are now claiming they face massive losses. The European consumer’s organisation, BEUC, has said that most of the clothes were ordered before the agreement was made and that their blockage is “ignoring the basic laws of economics”.
A representative warned: “The new quotas will lead to higher prices and less choice for European consumers when they try to buy trousers, pullovers, women’s blouses, brassieres and other textile products in the coming months.”
The Commission is sending a representative to China to try and find a solution to the crisis, but according to the news website Euractive, the quotas are unlikely to be dropped as most EU member countries are in favour of them.
Stardust is a NASA space capsule that collected samples from comet 81P/Wild (also known as “Wild 2) in deep space and landed back on Earth on January 15, 2006. It was decided that a collaborative online review process would be used to “discover” the microscopically small samples the capsule collected. The project is called Stardust@home. Unlike distributed computing projects like SETI@home, Stardust@home relies entirely on human intelligence.
Andrew Westphal is the director of Stardust@home. Wikinews interviewed him for May’s Interview of the Month (IOTM) on May 18, 2006. As always, the interview was conducted on IRC, with multiple people asking questions.
Some may not know exactly what Stardust or Stardust@home is. Can you explain more about it for us?
Artist’s rendering of Spacecraft StardustImage: NASA.
Stardust is a NASA Discovery mission that was launched in 1999. It is really two missions in one. The primary science goal of the mission was to collect a sample from a known primitive solar-system body, a comet called Wild 2 (pronounced “Vilt-two” — the discoverer was German, I believe). This is the first [US]] “sample return” mission since Apollo, and the first ever from beyond the moon. This gives a little context. By “sample return” of course I mean a mission that brings back extraterrestrial material. I should have said above that this is the first “solid” sample return mission — Genesis brought back a sample from the Sun almost two years ago, but Stardust is also bringing back the first solid samples from the local interstellar medium — basically this is a sample of the Galaxy. This is absolutely unprecedented, and we’re obviously incredibly excited. I should mention parenthetically that there is a fantastic launch video — taken from the POV of the rocket on the JPL Stardust website — highly recommended — best I’ve ever seen — all the way from the launch pad, too. Basically interplanetary trajectory. Absolutely great.
Is the video available to the public?
Yes [see below]. OK, I digress. The first challenge that we have before can do any kind of analysis of these interstellar dust particles is simply to find them. This is a big challenge because they are very small (order of micron in size) and are somewhere (we don’t know where) on a HUGE collector— at least on the scale of the particle size — about a tenth of a square meter. So…
We’re right now using an automated microscope that we developed several years ago for nuclear astrophysics work to scan the collector in the Cosmic Dust Lab in Building 31 at Johnson Space Center. This is the ARES group that handles returned samples (Moon Rocks, Genesis chips, Meteorites, and Interplanetary Dust Particles collected by U2 in the stratosphere). The microscope collects stacks of digital images of the aerogel collectors in the array. These images are sent to us — we compress them and convert them into a format appropriate for Stardust@home.
Stardust@home is a highly distributed project using a “Virtual Microscope” that is written in html and javascript and runs on most browsers — no downloads are required. Using the Virtual Microscope volunteers can search over the collector for the tracks of the interstellar dust particles.
Aerogel slice removed with an ultrasonic blade, showing particle tracks.Image: NASA.
How many samples do you anticipate being found during the course of the project?
Great question. The short answer is that we don’t know. The long answer is a bit more complicated. Here’s what we know. The Galileo and Ulysses spacecraft carried dust detectors onboard that Eberhard Gruen and his colleagues used to first detect and them measure the flux of interstellar dust particles streaming into the solar system. (This is a kind of “wind” of interstellar dust, caused by the fact that our solar system is moving with respect to the local interstellar medium.) Markus Landgraf has estimated the number of interstellar dust particles that should have been captured by Stardust during two periods of the “cruise” phase of the interplanetary orbit in which the spacecraft was moving with this wind. He estimated that there should be around 45 particles, but this number is very uncertain — I wouldn’t be surprised if it is quite different from that. That was the long answer! One thing that I should say…is that like all research, the outcome of what we are doing is highly uncertain. There is a wonderful quote attributed to Einstein — “If we knew what we were doing, it wouldn’t be called “research”, would it?”
How big would the samples be?
We expect that the particles will be of order a micron in size. (A millionth of a meter.) When people are searching using the virtual microscope, they will be looking not for the particles, but for the tracks that the particles make, which are much larger — several microns in diameter. Just yesterday we switched over to a new site which has a demo of the VM (virtual microscope) I invite you to check it out. The tracks in the demo are from submicron carbonyl iron particles that were shot into aerogel using a particle accelerator modified to accelerate dust particles to very high speeds, to simulate the interstellar dust impacts that we’re looking for.
And that’s on the main Stardust@home website [see below]?
Yes.
How long will the project take to complete?
Partly the answer depends on what you mean by “the project”. The search will take several months. The bottleneck, we expect (but don’t really know yet) is in the scanning — we can only scan about one tile per day and there are 130 tiles in the collector…. These particles will be quite diverse, so we’re hoping that we’ll continue to have lots of volunteers collaborating with us on this after the initial discoveries. It may be that the 50th particle that we find will be the real Rosetta stone that turns out to be critical to our understanding of interstellar dust. So we really want to find them all! Enlarging the idea of the project a little, beyond the search, though is to actually analyze these particles. That’s the whole point, obviously!
And this is the huge advantage with this kind of a mission — a “sample return” mission.
Most missions rather do things quite differently… you have to build an instrument to make a measurement and that instrument design gets locked in several years before launch practically guaranteeing that it will be obsolete by the time you launch. Here exactly the opposite is true. Several of the instruments that are now being used to analyze the cometary dust did not exist when the mission was launched. Further, some instruments (e.g., synchrotrons) are the size of shopping malls — you don’t have a hope of flying these in space. So we can and will study these samples for many years. AND we have to preserve some of these dust particles for our grandchildren to analyze with their hyper-quark-gluon plasma microscopes (or whatever)!
When do you anticipate the project to start?
We’re really frustrated with the delays that we’ve been having. Some of it has to do with learning how to deal with the aerogel collectors, which are rougher and more fractured than we expected. The good news is that they are pretty clean — there is very little of the dust that you see on our training images — these were deliberately left out in the lab to collect dust so that we could give people experience with the worst case we could think of. In learning how to do the scanning of the actual flight aerogel, we uncovered a couple of bugs in our scanning software — which forced us to go back and rescan. Part of the other reason for the delay was that we had to learn how to handle the collector — it would cost $200M to replace it if something happened to it, so we had to develop procedures to deal with it, and add several new safety features to the Cosmic Dust Lab. This all took time. Finally, we’re distracted because we also have many responsibilities for the cometary analysis, which has a deadline of August 15 for finishing analysis. The IS project has no such deadline, so at times we had to delay the IS (interstellar, sorry) in order to focus on the cometary work. We are very grateful to everyone for their patience on this — I mean that very sincerely.
And rest assured that we’re just as frustrated!
I know there will be a “test” that participants will have to take before they can examine the “real thing”. What will that test consist of?
The test will look very similar to the training images that you can look at now. But.. there will of course be no annotation to tell you where the tracks are!
Why did NASA decide to take the route of distributed computing? Will they do this again?
I wouldn’t say that NASA decided to do this — the idea for Stardust@home originated here at U. C. Berkeley. Part of the idea of course came…
If I understand correctly it isn’t distributed computing, but distributed eyeballing?
…from the SETI@home people who are just down the hall from us. But as Brian just pointed out. this is not really distributed computing like SETI@home the computers are just platforms for the VM and it is human eyes and brains who are doing the real work which makes it fun (IMHO).
That said… There have been quite a few people who have expressed interested in developing automated algorithms for searching. Just because WE don’t know how to write such an algorithm doesn’t mean nobody does. We’re delighted at this and are happy to help make it happen
Isn’t there a catch 22 that the data you’re going to collect would be a prerequisite to automating the process?
That was the conclusion that we came to early on — that we would need some sort of training set to be able to train an algorithm. Of course you have to train people too, but we’re hoping (we’ll see!) that people are more flexible in recognizing things that they’ve never seen before and pointing them out. Our experience is that people who have never seen a track in aerogel can learn to recognize them very quickly, even against a big background of cracks, dust and other sources of confusion… Coming back to the original question — although NASA didn’t originate the idea, they are very generously supporting this project. It wouldn’t have happened without NASA’s financial support (and of course access to the Stardust collector). Did that answer the question?
Will a project like this be done again?
I don’t know… There are only a few projects for which this approach makes sense… In fact, I frankly haven’t run across another at least in Space Science. But I am totally open to the idea of it. I am not in favor of just doing it as “make-work” — that is just artificially taking this approach when another approach would make more sense.
How did the idea come up to do this kind of project?
Really desperation. When we first thought about this we assumed that we would use some sort of automated image recognition technique. We asked some experts around here in CS and the conclusion was that the problem was somewhere between trivial and impossible, and we wouldn’t know until we had some real examples to work with. So we talked with Dan Wertheimer and Dave Anderson (literally down the hall from us) about the idea of a distributed project, and they were quite encouraging. Dave proposed the VM machinery, and Josh Von Korff, a physics grad student, implemented it. (Beautifully, I think. I take no credit!)
I got to meet one of the stardust directors in March during the Texas Aerospace Scholars program at JSC. She talked about searching for meteors in Antarctica, one that were unblemished by Earth conditions. Is that our best chance of finding new information on comets and asteroids? Or will more Stardust programs be our best solution?
That’s a really good question. Much will depend on what we learn during this official “Preliminary Examination” period for the cometary analysis. Aerogel capture is pretty darn good, but it’s not perfect and things are altered during capture in ways that we’re still understanding. I think that much also depends on what question you’re asking. For example, some of the most important science is done by measuring the relative abundances of isotopes in samples, and these are not affected (at least not much) by capture into aerogel.
Also, she talked about how some of the agencies that they gave samples to had lost or destroyed 2-3 samples while trying to analyze them. That one, in fact, had been statically charged, and stuck to the side of the microscope lens and they spent over an hour looking for it. Is that really our biggest danger? Giving out samples as a show of good faith, and not letting NASA example all samples collected?
These will be the first measurements, probably, that we’ll make on the interstellar dust There is always a risk of loss. Fortunately for the cometary samples there is quite a lot there, so it’s not a disaster. NASA has some analytical capabilities, particularly at JSC, but the vast majority of the analytical capability in the community is not at NASA but is at universities, government labs and other institutions all over the world. I should also point out that practically every analytical technique is destructive at some level. (There are a few exceptions, but not many.) The problem with meteorites is that except in a very few cases, we don’t know where they specifically came from. So having a sample that we know for sure is from the comet is golden!
I am currently working on my Bachelor’s in computer science, with a minor in astronomy. Do you see successes of programs like Stardust to open up more private space exploration positions for people such as myself. Even though I’m not in the typical “space” fields of education?
Can you elaborate on your question a little — I’m not sure that I understand…
Well, while at JSC I learned that they mostly want Engineers, and a few science grads, and I worry that my computer science degree with not be very valuable, as the NASA rep told me only 1% of the applicants for their work study program are CS majors. I’m just curious as to your thoughts on if CS majors will be more in demand now that projects like Stardust and the Mars missions have been great successes? Have you seen a trend towards more private businesses moving in that direction, especially with President Bush’s statement of Man on the Moon in 2015?
That’s a good question. I am personally not very optimistic about the direction that NASA is going. Despite recent successes, including but not limited to Stardust, science at NASA is being decimated.
I made a joke with some people at the TAS event that one day SpaceShipOne will be sent up to save stranded ISS astronauts. It makes me wonder what kind of private redundancy the US government is taking for future missions.
I guess one thing to be a little cautious about is that despite SpaceShipOne’s success, we haven’t had an orbital project that has been successful in that style of private enterprise It would be nice to see that happen. I know that there’s a lot of interest…!
Now I know the answer to this question… but a lot do not… When samples are found, How will they be analyzed? Who gets the credit for finding the samples?
The first person who identifies an interstellar dust particle will be acknowledged on the website (and probably will be much in demand for interviews from the media!), will have the privilege of naming the particle, and will be a co-author on any papers that WE (at UCB) publish on the analysis of the particle. Also, although we are precluded from paying for travel expenses, we will invite those who discover particles AND the top performers to our lab for a hands-on tour.
We have some fun things, including micromachines.
How many people/participants do you expect to have?
About 113,000 have preregistered on our website. Frankly, I don’t have a clue how many will actually volunteer and do a substantial amount of searching. We’ve never done this before, after all!
One last thing I want to say … well, two. First, we are going to special efforts not to do any searching ourselves before we go “live”. It would not be fair to all the volunteers for us to get a jumpstart on the search. All we are doing is looking at a few random views to make sure that the focus and illumination are good. (And we haven’t seen anything — no surprise at all!) Also, the attitude for this should be “Have Fun”. If you’re not having fun doing it, stop and do something else! A good maxim for life in general!
Paul Rusesabagina, the real-life hero portrayed in the film “Hotel Rwanda”, visited Atlanta, Ga. and Washington, D.C. this week to address American students and business leaders at schools and conferences centers. His appearances coincide with World Refugee Day events in Washington.
At Sleepy Hollow Elementary School in the Falls Church section of Fairfax County, he spoke to elementary school students who had learned about his accomplishments in the weeks prior to his appearance.
“I thought I was doing the right thing,” Rusesabagina said. “You also should do the right thing.” He explained the situation he faced in simple terms. “There were bad people and good people. The good people came to hide in my hotel, I had to give them food. I had to give them shelter and keep away the bad people for two and a half months.” When asked if he was scared, he responded “No, fortunately I did not have time to be scared. I did not know that what I was doing was different. I thought other people were doing it.”
In Atlanta, speaking with business leaders, he focused on the present and future.
“What is going on in Darfur is exactly what had been going on in Rwanda, the government is killing its own citizens.” He encouraged business leaders to bring money into Africa but made it clear that Africa was in need of more than just business interest. “What Africans need as a whole is not only someone who will come and pay their education, but it is also to change the systems in Africa. To help us to change, to find lasting solutions. Africa is ruled by dictators. And those dictators should know that one day they also can be brought to justice,” emphasizing the idea that Africa needed a political revamping to stabilize.
Enter Fitness and Health Promotion Field After Two Years of Training
by
Jason White
When choosing a Fitness and Health Promotion program, there are a few things you should consider. Firstly, does the offering get you into the growing field quickly? Secondly, does the focus of the offering take into consideration the evolution in the field to mind, body and soul? Thirdly, what sorts of facilities are used to assist students in their training?
The right answers to all of these questions can be found in the Fitness and Health Promotion offering at Centennial College. The program takes just two years to complete and results in a respected Ontario College Diploma. In addition, students of Fitness and Health Promotion have the opportunity to gain the skills necessary to become certified personal trainers according to the CSEPT-PT requirements and also learn course material related to the canfitpro nutrition and wellness certification. Secondly, Fitness and Health Promotion trains its graduates to respond to the ever growing public demand for health and wellness counseling through expert training in anatomy and physiology, fitness assessment, leadership skills, injury management, nutrition, fitness marketing, health promotion, computer skills and cross cultural awareness – all while taking into consideration mental health as an essential part of a holistic approach to well-being. Additionally, to ensure that students are receiving training that guarantees success, they are trained out of Centennial Colleges newly constructed Athletic and Wellness Center located at Progress Campus, where they have hands-on learning opportunities. As such, inter-professional student liaisons are provided between Fitness and Health Promotion students and other programs (i.e. Police Foundations, Pre-service Fire and Paramedic students) to assist in the attainment of students fitness assessment goals. Applicants to Fitness and Health Promotion are required to have obtained at minimum an Ontario Secondary School Diploma (OSSD) or equivalent, or mature status (19 years or older). In addition, they must have completed the English Grade 12 C or U (minimum grade required) or equivalent, or skills assessment; as well as one Science Grade 11 or 12, C or U (minimum grade requirement) or skills assessment (Physics, Chemistry, Biology or Exercise Science). Thanks to industry partnerships that provide supervised field placement opportunities in the fitness industry, students of Fitness and Promotion also apply their new knowledge to two industry field placements. Prior to each program Field Placement, students require the following: an annual clear police check with vulnerable sector screening; successful completion of an annual renewal of a recognized course in CPR (health care provider level); as well as successful completion of a recognized course in standard first aid. Fitness and Health Promotion graduates have the ability to assess the fitness level, health issues and overall well-being of individual clients based on various assessment tools and strategies; apply effective practices to the design, implementation and management of fitness and lifestyle programs and events for individual clients intended to meet health, fitness and lifestyle goals; develop and implement risk management strategies for health and fitness programs, activities and facilities; and more.
Jason, in this article, details that all of the things students should demand in a
Shoppers World in Brampton, Ontario, Canada asks its visitors to “look up, look way up” this October.
The Highway 10 and Steeles Avenue mall is encouraging Bramptonians to paint a ceiling tile for charity this summer, for their upcoming “Looking Up to the Arts” event. The tiles should represent either what Brampton means to you, or the arts in Brampton.
Anyone can paint a tile for the event by buying one at the customer service desk for $5. Once tiles are completed and returned for the event, participants receive a gift certificate for $5. The ceiling tiles must be finished and returned by October 7.
The tiles will be auctioned off at the end of the event, with money going to the Brampton Arts Council.
Local dance, music, theatre and visual arts group will perform and promote at the mall’s event, which will be held from October 12 to 22.
This isn’t Shoppers World’s only celebration of the arts. The mall is the permanent home of the Artway Gallery, a community exhibit space on the west side of the mall. Organized by Visual Arts Brampton, the space allows anyone in the community to exhibit publicly.
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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.
Total complaints against mortgage companies by state Image: Laura Hale.
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.
For the top 5 lenders by volume of complaints, the percentage of complaint types against them. Image: Laura Hale.
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.
By state complaints against mortgage lenders by monthImage: Laura Hale.
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.
Picture yourself looking out the window of your Philadelphia apartment. Slowly take in the clear blue sky and the wonderful cityscape of old and new buildings. Look at how some of the aged structures are preserved. There are some buildings as old as the Victorian era and some more recent ones. Though different in style, both have a story to tell.
Regardless of the amenities, each Philadelphia apartment is different. The difference lies in the people living in them who come from different places bearing different cultures. Significantly, this means diversity which is the reason for the neighborhoods uniqueness owing to variety in ethnicity, religion, culture, and commerce and for its population growth.
Partly because of diversity in culture, the City of Brotherly Love is oftentimes referred to as one of the most populated cities in the country as well as the fourth largest city. With a population of over 5 million residents, it s no wonder that the people in the area are experiencing problems with heavy traffic during rush hours and are having a difficult time looking for parking space. But with the sign posts of Walk Philadelphia which encourages people to walk placed all around the city, the problem hopes to be addressed. Also, by walking, people get to experience more about Philadelphia and learn more about the things it has to offer.
One of the things that the city has to offer is its being an educational and cultural center. This is evident in its historic sites particularly the one in Old City that houses the Independence Hall where the signing of the Declaration of Independence took place and the Liberty Bell which is a symbol for the country s liberty. Both of which are famous in the country s history.
Another one of Philadelphia s principal feature is its being a commercial center in the country. It has achieved this status since 20th century until the present time with over a hundred chains of firsts when it comes to modern shopping centers, discount stores and supermarkets. As a matter of fact, some of these companies are included in Forbes list of Fortune 500 companies.
It is therefore vital to stay in a Philadelphia apartment due to the city s enormous scale when living in this amazing place. When exploring the city, walk around instead of driving around town. You ll definitely see a lot of things you d never expect to see in the city that offers you the best of both worlds.
The United States air-carrier Spirit Airlines announced Tuesday that it will begin charging up to US$45 in fees for carry on baggage. The fees target baggage which is stowed in overhead bins, and not under seats. The fees will take effect for travelers who fly on or after August 1.
Spirit will charge US$45 for passengers who pay at the airport, US$30 for those who pay in advance, and US$20 for members of its frequent flyer program. Spirit already charges between US$15–45 for the first checked bag, and up to US$345 for five checked bags.
The move is the latest in an industry trend which is moving to lower upfront fares, and more hidden fees such as baggage fees or the loss of free services such as meals. Even the measure of charging passengers for restroom use as has been proposed by Irish carrier Ryanair. Ryanair also closed all of its check-in desks in 2009, relying more on on-line check ins.
There has been a push among US lawmakers to introduce legislation to make the pricing of airfare more upfront by listing the post ticket fees. The backer of a proposed bill to enforce this, Senator Bob Menendez of New Jersey, said that it will allow travelers to understand all the charges from when they book the flight to when they check their bag.
Stevens was originally convicted in October just before the November election. He lost the election to Begich by a narrow margin. Given that the U.S. Justice Department has dropped charges that had affected the outcome of the election, they may have re-elected Steven if it was done before the election.
According to Party Chairman Randy Ruedrich, Begich won over Stevens only because “a few thousand Alaskans thought that Senator Stevens was guilty of seven felonies.” Alaska Governor Sarah Palin, through her SarahPAC spokeswoman, agreed.
Begich indicated that he would not step down as he felt that Alaskans wanted a change and a senator that is “independent as Alaska.”
“Today, with our country in a severe recession, it’s more important than ever that we have a senator focused on fixing our economy so Alaskans have the jobs they need to support their families,” Begich also stated.
The other U.S. Senator from Alaska, Republican Lisa Murkowski, stated “In light of the good news yesterday, I am sure many of us wish we could turn the clock back to last November. Unfortunately, that is not an option.”
The US Department of Justice has asked for corruption charges against former Senator Ted Stevens to be dropped because evidence was withheld from the defense team by the original prosecutors. The Justice Department has stated that it will not retry Stevens.
Former Senator Ted Stevens
In a statement, US Attorney GeneralEric Holder said, “After careful review, I have concluded that certain information should have been provided to the defense for use at trial. In light of this conclusion, and in consideration of the totality of the circumstances of this particular case, I have determined that it is in the interest of justice to dismiss the indictment and not proceed with a new trial.”
In light of the good news yesterday, I am sure many of us wish we could turn the clock back to last November. Unfortunately, that is not an option.
Stevens was convicted in October on seven felony counts of lying on senate disclosure forms about gifts, largely in the form of free renovations to his home, received from an oil service company; his conviction is thought to have been a large factor in his November electoral defeat to former Anchorage mayor Mark Begich, the current junior Senator from Alaska. Stevens immediately appealed his conviction and has maintained his innocence.
Stevens, 85, spent the six weeks leading up to the election on trial in Washington and lost just days after being convicted.
Begich’s victory was a coup for Democrats in Alaska. It also was a victory for Democrats in the Senate, who, with Begich’s win, landed 58 of the 60 votes they need to have a filibuster-proof majority.
Begich received 151,767 votes (47.77%) to Stevens’ 147,814 (46.52%). The winning margin was 3,953 votes (1.24%). Three other candidates were in the race: Bob Bird of the Alaskan Independence Party (13,197; 4.15%), Ted Gianoutsos (independent) (1,385; 0.44%) and Fredrick D. Haas of the Libertarian Party (2483 0.78%)
You can say that the Internet is a short cut for international networking. By just logging on, you can connect to people all over the world. They may be people you personally know or people you just know online. Whatever the case, there is always somebody on the other end of your Internet connection.
As accessible and easy daily life is now thanks to the Internet, there are disadvantages from this convenience. Criminal activities such as eliciting sexual activities on the web are an example of online problems society has to deal with.
Another online criminal activity is phishing. Phishing is acquiring personal information like passwords and credit card details by pretending to be a representative of a company. Phishing is done through email or instant messaging.
It is called phishing because it is similar to the recreational activity fishing. It fishes for users personal information such as passwords and financial data.
Phishers create accounts on AOL by using fake algorithmically generated credit card numbers. These accounts are maintained for a number of months. Due to the reports of phishing incidences, AOL has brought in measures preventing this from happening by securing the data of their users and confirming the information of those signing up for AOL accounts. Scan your registry for free at
registry-cleaners-reviewed.info
On AOL, a phisher pretends that he is an AOL employee and sends out instant messages to a random customer that asks for passwords of their account. Luring the victim further, the phisher includes in the message verify your account or confirm billing information.
Thus, a number of clients get lured in and give off their password. Once the phisher gains access of this sensitive information, he can use the victim s account for spamming. Check your inbox and take a look at the spam messages you ve received. Yes, those are real names of people. These people s accounts have been hacked and are now being used to relay spam messages.
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