Categories
Car Dealer

Sell A Car Things To Take Care Of

By Stephen Pauly

Selling a car is not a very easy task, especially when your car is an old one. As it is a car, not junk every seller is expecting a higher price than his expectations and every buyer on the other hand, wants to give less than what he is prepared for. This inverse demand of both sides makes the process a little slow and daunting. Every car owner is well aware of the fact that purchasing is much easier than selling a car. Although, there are numerous ways to sell a car, mostly people find it quite difficult. The buyer is looking forward to some special features before paying the price and if the seller does not offer all that, the buyers will start drifting away.

The easiest way to learn about the nature of buyer is to think like one. For an instance, imagine yourself buying a car. What are the things you will take care of? Condition, color, paint, music system, serviced or not? AC, heater, fan is working fine etc. are the things you might be thinking about right now. Well, while selling a car, remember that a buyer is looking for the same thing. You can get a price higher than you desire and a price lower than you expected. All this depends on the presentation.

[youtube]http://www.youtube.com/watch?v=XbfSze5lZPM[/youtube]

First thing you need to do before you start advertising your car is to make it look perfect. Spend some extra cash on it so that you can get it back with some profit. A number of automobile dealers will happily assist you to agree on the price, but their aim is to get the least amount. Everything is properly examined before they pay you. Where you can act intelligent is to make up your mind on a fixed price below which you can’t afford. Let us assume it to be $7000, now what you can do is to demand for $8000 after making it presentable enough. If you get a buyer willing to pay the price, it is your treat, otherwise you can bargain.

Main goal is to find the best customer for your car. It is not very difficult if you know how to attract customers. One thing to advertise is mentioned above, the car dealing companies. But, remember that they charge their own profit as well so prefer them in the end. There are other ways to sell a car as well. Place an ad on the newspapers, where the people from all over the city can see your ad. You can get many buyers through the newspapers. Other than that, there are many online sites where thousands of people from all over the country look for vehicles and other utilities. You might not find it a very attractive option, but honestly the online business and advertisement is really helpful. Even selling a car is not at all difficult now.

Online customers will contact you through the email address you provide or through your contact number. Many potential customers can be attracted with the help of the online advertisement.

A car offers us a selection of amazing opportunities. Though, at times we prefer something completely different. In the case of cars, some people have problem or habit of getting over things too early. After buying a new car, they are attracted towards a new one. So, they look for customers to sell their car, and gain enough profit to buy a new one. On the other hand, there are those poor sellers selling their cars to run their houses. In both cases, a car can pay you enough.

About the Author:

Sell a car There are a few points and tips that one has to keep in mind when going to car junkyard. People sell car for cash normally when it gives the problems like losing the value in the market and cannot be repaired. Click here for Sell car fast

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1307358&ca=Automotive

Leading Sierra Leone doctor dies in Ebola epidemic

Saturday, August 2, 2014

Dr. Sheik Humarr Khan died from Ebola virus on Tuesday afternoon at Kailahun treatment centre in Sierra Leone. Dr. Khan led the response in Sierra Leone to the current Ebola outbreak there and treated dozens of patients. On Thursday, Sierra Leone declared a state of emergency, quarantining Ebola epicentres.

The previous Tuesday, Minister of Health and Sanitation Miatta Kargbo announced Dr. Khan had contracted Ebola. Dr. Khan was moved to the Doctors Without Borders treatment center in Kailahun. A few days before he was admitted, three other senior staff in his department at the Kenema Government Hospital died from Ebola, including one, Nurse Mbalu Fonnie, with more than two decades’ experience with hemorrhagic fever.

September 11 of this year would have been Dr. Khan’s 40th birthday. In an interview on May 20, Dr. Khan told Awareness Times his department does the only testing south of the Sahara Desert for hemorrhagic fever such as Lassa and Ebola; a decade ago, these tests would have been done in Germany. He warned about the possibility of fresh outbreaks and necessity of engaging the public in health education and prevention.

Retrieved from “https://en.wikinews.org/w/index.php?title=Leading_Sierra_Leone_doctor_dies_in_Ebola_epidemic&oldid=2797081”

Kyrgyzstan: Ethnic unrest continues, government asks Russia for help

Saturday, June 12, 2010

A second day of ethnic clashes in southern Kyrgyzstan between Kyrgyzs and Uzbeks has killed at least 62 people and wounded over 800 more, reports say, as violence there entered its second day. The interim Kyrgyz president, Roza Otunbayeva, meanwhile, appealed to the Russian government to send in troops to try and restore order.

The clashes are occurring primarily in the southern city of Osh. Witnesses say the chaos and violence has increased, and central authority collapsed, with gunfire audible throughout the city. The violence started on Thursday night, when ethnic Kyrgyz and Uzbeks started street brawls that soon escalated into battles; riots and looting started, cars were damaged, and buildings set alight by both sides.

In a nationally televised speech, Otunbayeva commented: “I have signed a letter asking Dmitry Medvedev for third-party forces to be sent to the Kyrgyz Republic. Since yesterday the situation has got out of control. We need outside military forces to halt the situation. For this reason we have appealed to Russia for help.”

Russian officials say the Kyrgyz leader had talks with Russian prime minister Vladimir Putin by telephone yesterday night.

Thousands of Uzbeks, meanwhile, have crowded the border between Kyrgyzstan and Uzbekistan in an effort to flee the ongoing conflict; one child was trampled to death during the escape. According to a reporter for the BBC, people are being let through the border one by one by security guards.

By the latest official death tolls, at least 62 people have been killed, although the interim government believes that there could be up to 200 dead. Researcher for Human Rights Watch Andrea Berg cautioned that the death toll could jump once the government enters Uzbek neighbourhoods; under Uzbek tradition, the dead are buried within one day.

“We are moving corpses out of the city streets; however, there are regions that the authorities do not control, it is not known what is going on there. Additionaly, as a result of fires in the city, entire residential apartments burnt down, so there could be more dead people there as well,” said a spokesman for the Russian ministry of health (Minzdrav).

Unrest also reached the Kyrgyz capital Bishkek; a medical official told the Agence France-Presse news service that 27 people were hospitalised, some of which are in critical condition.

Retrieved from “https://en.wikinews.org/w/index.php?title=Kyrgyzstan:_Ethnic_unrest_continues,_government_asks_Russia_for_help&oldid=4582366”
Categories
Human Resources

Shifting With Packers And Movers Pune Make Moving Happy And Affordable

Shifting with packers and movers pune make moving happy and affordable

by

eyeweb solution

Moving easy is not everyone s cup of tea. The situation is worse if you have decided to do all such things on your own. There are many risks such customs clearance formalities; packing of goods, loading etc. involve proper expertise and acumen. With DTC Cargo packers and movers pune right at your side you do not need worry about safety and security of your goods. DTC Cargo packers and movers are at the front of delivering top quality services with its team of shifting professionals.

Besides, company has vast fleet of light and heavy duty vehicles which ensure that you re good be transferred in the most hassle free manner. There are several reasons why people choose to hire a professional packers and movers company. For packers and movers bangalore being hired is its diverse range of services at most affordable prices.

Outstanding Services to Look Out For

DTC Cargo packers and movers offers a wide range of shifting solutions for moving commercial as well as commercial goods. If you wish to shift your old world out goods such as antique sofa sets, utensils, chairs etc. you will be able to get the shifted the safest way. The best thing is that you just need to intimate the company professionals and the rest is done by them.

[youtube]http://www.youtube.com/watch?v=4Xiibd6YQl4[/youtube]

You can avail from a wide array of shifting services being offered by the company; here are a few of them;

World Class Packing Services

DTC Cargo is a moving company with a difference. Its operating methods are well in tandem with the customer s satisfaction requirements. Here you will find the choice of your plan. You need not take time to think a while and choosing a reliable packers and movers company which assures you of affordable shifting solutions will ensure that you understand it quite well.

Loading and Unloading Services

Loading of goods is executed only by expert professionals who work day night to care for your goods. The company has just invited people to choose the best loading services through vast fleet of light and heavy duty vehicles. Special arrangements are made for loading commercial goods. Not just that when your goods reach to the new address it is gently unloaded by well trained shifting professionals.

Customs Clearance Services

Do you ever feel that your goods might be subject to police check for regulatory formalities? If yes, you no longer need worry about such things when you hire DTC Cargo packers and movers. Expert professionals at the company just handle all such things with care and expertise.

Author is internet marketing advisor for various

packers and movers delhi

and

packers and movers noida

companies and service providers. He also guides

packers and movers bangalore

and

packers and movers pune

companies to offer the best solutions as pe

Article Source:

ArticleRich.com

Categories
School

Does Higher Education Cope Up With Todays Market Requirement

The question from these two frameworks is whether a higher education institution is properly equipped and structured to develop 21st century skills embedded in these two frameworks.

Universities and colleges need to review their structure including curriculum, learning environment and assessment system.

In addition to 21st century skills, student profiles are also changing. Learners have integrated digital tools in almost everything they do.

The tools learners use proficiently in their daily lives have been reshaping their learning styles and habits.

Thus, learners begin entering college with a different mindset from generations before them.

  1. Multi-processing refers to the ability to multitask,
  2. Navigating information and understanding screens and images in addition to text literacy,
  3. Constantly discovering new things while browsing digital libraries,
  4. Study in place.

Today’s learners are surrounded by computers (desktops, laptops, and tablets), mobile devices (smart phones) and by the applications installed on them.

These technologies and applications are shaping the way learners think and behave. Learners today are more willing than ever to create online learning communities and take an active role in them. Nehru college chairman p krishnadas is the chairman & managing trustee of college of applied science.

learning in the digital age is as social as it is for today’s learners.

For them, learning is a concrete concept rather than an abstraction and it is interwoven with discovery and reasoning.

Digital platforms are not only where they access social information and resources, but also platforms for learning through the building of social knowledge.

In this regard, learners are both consumers and producers of information. However, concerns in some respects have also been raised.

For example, experts are concerned that learners are not aware of the ethical and legal consequences of their actions and lectures online.

Furthermore, concludes that the students most easily distracted and bored are the most proficient in digital tools.

Also, the ability of learners to masterful use of digital tools and environments may not necessarily translate into the ability to use them for their educational purposes.

The key question here is whether these students are not skilled at using digital tools and platforms for educational purposes or if they are not simply given the opportunity to learn by using these tools in their educational process.

It is certain that today’s traditional teaching methods do not appeal to the learners.

Another change in the learner profile in digital age higher education is the increased diversity of learners.

Today, more and more individuals choose to take an additional university degree or go back to study for a certificate, graduate degree or online course due to the professional requirement because of the skills they acquired first This is simply not enough to perform the tasks at work.

Furthermore, enhanced learner mobility allows individuals from different cultures and ethnic groups to meet in an educational setting. Nehru college chairman p krishnadas is the chairman of nehru college of engineering

All of these new dynamics point out that learners with different demographics such as age, experience, culture and ethnicity, style and pace of learning bring their distinctive traits to the lips. This creates new learning potentials and challenges for the learning environment.

In summary, higher education institutions are facing serious learner challenges in the digital age.

The skills and knowledge students need to acquire in university are changing and evolving into the so-called 21st century skills.

In addition, digital tools and platforms are reshaping the way learners think and behave today, and they begin to study in higher education institutions with different skill sets from generations. before. However, another challenge is that student profiles change as learner mobility increases and learners return to higher education.

With its current structure and functions, higher education institutions are having difficulty in meeting the needs and requirements of today’s learner profiles.

Schools are advised to develop policies and practices relevant to the development of digitally connected technologies that support learners’ abilities in the digital age, focusing on the skills of the century. 21 to review diverse learner profiles.

  1. Instructor

Advances in digital connection technology in the 21st century put another pressure to change in the roles and responsibilities of higher education faculty. The role of the instructor / instructor in the changing educational landscape.

Decades ago, when instructors were the only provider of information and knowledge, now paving the way for an age where information and knowledge distributed on almost entirely accessible digital networks. anytime and anywhere if there is a connection.

This means that learners now have the opportunity to access information and knowledge not only at school through instructors, or at the library through printed books but also from digital archives, websites, and media. social media and online communities and learning networks.

In short, learners in the digital age have access to a variety of online resources and knowledge specialists through online social connections.

However, the role of the instructor in today’s higher education structures is that of the informant. All of this implies that not only the sources of information and knowledge, but the content is also very diverse. Nehru college chairman p krishnadas is the chairman of nehru institute of technology.

Learners are exposed to information that is sometimes contrary to information presented by instructors.

As a result, the information provided by the instructor is constantly being questioned, and the role of providing information is insufficient in the digital age.

For these reasons, the instructors’ role needs to be restructured, shifting from information that provides’ sage on stage ‘to’ guide on the side ‘.

The role of the instructor should be as a learning designer, context and resource provider, and as a facilitator to develop higher-level skills.

While performing newly assigned roles, instructors are asked to take advantage of special innovations of the digital age such as social media, open educational resources, online open courses. mass, complex learning management systems, big data, analytical learning and adaptive learning.

Therefore, one of the basic roles of the instructor must be a learning engineer who designs an effective and engaging learning environment that addresses 21st century learners’ skills and characteristics through the use of digital innovations.

However, this role is not that of a technician writing source code and solving technical problems but rather that of an intellectual that provides the learner with a personalized learning context and quality assurance and performance price.

To be able to effectively fulfill this role, the instructor needs to develop new skill sets in the digital age.

– Century knowledge and skills,

– Balancing direct teaching strategies with project-oriented teaching methods,

Applying the knowledge of child and youth development to the preparation of educators and education policy,

Utilize a variety of assessment strategies to evaluate student performance and differentiate instruction (including but not limited to, portfolio-based, training methods, embedded in the chapter course and synthesis), Nehru group chairman p krishnadas is the chairman of nehru institute of technology.

– Actively participate in learning communities; harness expertise in a school or district through coaching, mentoring, knowledge sharing and group instruction,

– Acting as mentors and coaches at the same level as fellow educators,

Using a variety of strategies (such as formative assessment) to reach diverse students and create environments that support differentiated teaching and learning,

– Pursue continuous learning opportunities and consider long-term career learning as a professional ethics.

In short, the role and qualifications of the instructor are changing alongside that of the learner because of the leading role of digital connectivity technologies in the 21st century.

The major change in the role of the instructor is the transition from “informant” to “learning facilitator”.

This paradigm shift requires the instructor to leave his high seat and sit next to the learner himself and develop new skills.

What higher education institutions need to do in this context is to take the necessary steps to determine the role an instructor needs to perform and the skills they need to develop and act on to support the person. guide as they perform these new roles.

However, the current structure of colleges and universities does not support these new roles and skills because research-based evaluation schemes are unlikely to allow the transition from “teaching” to “facilitate learning”.

  1. Learning environment

Current emerging insights into how learning happens needs to be addressed before addressing how digital innovations are shaping the learning environment and related changes observed in the school environment. internship in the digital age.

Training scientists are observing a shift from traditional learning through information acquisition models to collaborative knowledge-building models in the digital age.

In this era, along with the change of pedagogy, informal learning plays an important role in the formation of individual learning activities.

For this reason, the development of collective cultural practices along with both the organizational and physical structures to support collaborative knowledge building becomes especially important for educational institutions.

On the other hand, colleges and universities are currently having difficulty in providing the necessary organizational structure and material for such activities.

emphasize the mismatch between the current technological and pedagogical innovations and the current structure of universities and colleges.

According to them, in order to recognize the desired changes in the learning environment, the following technology-based reforms should be considered;

  • The transition from standardized learning to personalized learning: The fact that each and every individual must learn the same content in the same way and time is contradictory to the nature of human learning when it comes to learning. to individual differences.

On the other hand, one of the biggest advantages that today’s digital offers is personalization as these innovations allow to define learning styles, interests and accurately identify challenges and difficulties. that each individual is encountering through academic analysis and big data collected throughout the education process.

This way, it is possible to make informed decisions and apply the necessary changes to a custom designed deep learning experience.

In short, leveraging the capabilities offered by these technologies allows the design of adaptive learning environments that are sensitive to individual learning.

  • Moving from standardized assessment to specialization: standardized learning assessed through standardized assessment using a multiple-choice test implies that learners need to learn the same content.

However, this has not been successful in realizing 21st century skills. Digital technologies help identify learner trends and provide personalized assessment tools.

  • Transforming from a knowledge model in memory to a knowledge model in external resources: according to the traditional model, learning means internalizing without consulting external resources.

Therefore, the learners’ ability to recall information without consulting the book, computer or website is assessed.

However, in everyday and professional life, individuals have to solve problems, access external sources of information and perform a number of tasks.

The ability to effectively and efficiently access and use external resources is critical for them to be effective in their social and professional lives in the digital age.

  • Moving from content inclusion model to knowledge discovery model: in the traditional school model, the main goal is to convey all the information learners will need after graduation.

The curriculum is becoming more and more stressful and the textbook is much thicker with an increasing treasure of knowledge.

It is almost impossible to cover all the information and knowledge that students will need in the future during their time at school due to the exponentially increasing amount of information and knowledge.

Therefore, learners need to develop skills such as access to authentic, up-to-date information and how to learn.

Switch from learning through learning to learning by doing: Traditional learning models require learners to acquire specific information, concepts, processes, theories, and formulas.

On the other hand, digital tools help learners perform meaningful tasks based on practice.

For this reason, these technologies allow the creation of learning environments that match a learning-by-work paradigm.

The pedagogical changes triggered by the aforementioned digital innovations require the transition from a one-way learning space (classroom, library, lab) to a multi-dimensional collaborative learning space ( physical, virtual and online). Nehru college chairman p krishnadas is the chairman of nehru college of engineering and research center.

For an immersive and meaningful learning experience in the digital age, the creation of blended learning environments that include digital-social participation plans utilizes the affordability of Digital, mobile, virtual, online, social, and physical space.

Research shows that learners develop better learning outcomes when they are exposed to a combined learning environment compared to a single learning space.

It is predicted that we will see more hybrid learning environments supported by online collaboration tools, personalized learning support software, sophisticated learning management systems. with social learning apps, online games and simulation, and social media apps.

We need to create learning environments that integrate the integration of physical, virtual, online and digital spaces and take full advantage of the affordability of each of these spaces, aware of the free features fees for designing meaningful and profound learning experiences without the constraints of time or place.

In the opinion of experts, there is also a need to develop an understanding of which platforms are more effective in supporting the type of learning through which types of content and activities, so that supply policies and strategies can be developed. Information for reforms that reflect structural and organizational changes in higher education.

Wikinews Shorts: May 15, 2009

A compilation of brief news reports for Friday, May 15, 2009.


California governor Arnold Schwarzenegger proposed budget cuts and layoffs for California yesterday.

Californian education budgets would be cut by $3 billion USD for the next five years if California voters gave a yes votes to the budget-related measures for May 19’s special election.

Schwarzenegger is also ready to sell state properties including the San Quentin State Prison and the Los Angeles Coliseum to raise money for the state.

Sources

  • Associated Press. “Schwarzenegger Proposes Layoffs, Deep Budget Cuts” — FOXNews.com, May 14, 2009
  • Christie, Jim. “California governor sees $15.4 billion gap, urges deep cuts” — Reuters, May 14, 2009

Nintendo DS sales hit one million units last April. However, even with Nintendo’s moderate success with their DS gaming system, all video game sales have declined 17%.

GameSpot writer Tor Thorsen claims that Nintendo DSi, the current release of the Nintendo DS, is an acronym for “Dominating Sales in America.”

Sources

  • Thorsen, Tor. “NPD: US April sales slide 17%, DS tops 1 million” — GameSpot, May 14, 2009
  • “UPDATE 1-U.S. video game sales down 17 pct in April-NPD” — Reuters, May 14, 2009

Eight-time gold medalist Michael Phelps, in a recent conference Thursday, told reporters he will enter a swimming competition today.

This is Phelps’ first swim meet since he was photographed with a marijuana pipe in his mouth.

Phelps will swim the 200-meter freestyle and 100-meter butterfly races.

After the marijuana pipe photo was released, Phelps was unsure of whether he would swim again.

Sources

  • Crouse, Karen. “Phelps Has Company on Comeback Trail in Charlotte” — The New York Times, May 14, 2009
  • Newberry, Paul. “Phelps ready for 1st race since Beijing” — Associated Press, May 14, 2009

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_Shorts:_May_15,_2009&oldid=4629258”

US House of Representatives passes ‘clean energy bill’

Saturday, June 27, 2009

On Friday, the United States House of Representatives passed House Resolution 2998, better known as the American Clean Energy and Security Act of 2009, following days of debate. The final vote was 219–212, with only 8 Republicans voting for the legislation, and 44 Democrats voting against it. The resolution addresses the “greenhouse effect,” and calls for a 17% reduction of greenhouse gas emissions by 2020, and an 83% reduction by 2050. In addition, the legislation will establish new requirements for utilities, and various incentives for “going green.”

The resolution was sponsored by Representative Henry Waxman of California, and Representative Edward Markey of Massachusetts. At 3:09 a.m. (EDT) on Friday morning, a 341 page amendment was added to the resolution. In an attempted filibuster, House Minority Leader John Boehner read the majority of the added amendment, and stated that “…when you file a 300-page amendment at 3:09 a.m., the American people have a right to know what’s in this bill.”

Reactions to the legislation have been mixed, with opponents and advocates speaking out. The President of the Union of Concerned Scientists, Kevin Knobloch, said that the Union was “thrilled that Congress has finally caught up with science and the American people in recognizing the need to switch on clean energy.” A report by the The Heritage Foundation, a conservative think tank, stated that the legislation would “damage the economy and hobble growth.”

Most House Republicans opposed the bill for going too far in its regulation, with GOP chairman Mike Pence saying that “raising the cost of energy is a bad idea in prosperous times.” Democrat Dennis Kucinich, on the other hand, opposed the bill for not going far enough, calling it an “illusion” that “locks us into a framework that will fail.” Kucinich pointed out that the bill gives subsidies to coal, which is not a clean source of fuel, and includes greenhouse gas emitters such as trash incinerators under its definition of “renewable energy.”

Retrieved from “https://en.wikinews.org/w/index.php?title=US_House_of_Representatives_passes_%27clean_energy_bill%27&oldid=4281437”

Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

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.

Retrieved from “https://en.wikinews.org/w/index.php?title=Bank_of_America_leads_Consumer_Financial_Protection_Bureau_complaints_about_mortgages&oldid=3250043”
Categories
Fashion

Winter Baby Sleep Dressing Learned}

Winter baby sleep dressing learned

by

baby clothingWhen prospective parents know that to be born is a girl or a boy , in addition to past men take the name , probably the most important thing is repairing the baby clothes . Newborn baby sleeping two-thirds of the time , ” smug ” ingredients initial batch of clothes too few practical requirements heavier . Rather than choose unique baby clothes

for the baby , as it is more apt to pick pajamas , sleepwear but also cozy and also to protect it , not ordinary ……

Suitable for hot and cold , a little spectrum

The baby in the womb of time, regardless of seasons, the 24 hours have stayed constant temperature of 37 degrees “small sauna ” in , so even if born in the summer , once the baby is also a lot colder . Newborn baby , because thermoregulatory mechanism is not yet fully adapted to the external environment , it should keep warm, especially premature babies , the accumulation of subcutaneous fat is not sufficient, it is even more important to keep warm . Personal clothing is naturally the first layer of defense to keep the baby ‘s body temperature .

How many baby wear and is closely related to the ambient temperature around in the baby’s room inside to put a thermometer can help you to better observe changes in ambient temperature . In general, the room temperature is 22-26 degrees to let the baby feel the most comfortable temperature , the younger the baby relative to the desired temperature slightly higher . Of course, this does not mean that the more warm the more “safe” , if the temperature is too high , your baby will wear too much sleep , but also sweat rash , fever or other anomalies .

Many parents touched the baby’s hands and feet cold, always worried about the baby wear less , in fact, the development of the baby’s circulatory system is not perfect, peripheral limbs feels colder is normal. Determine the baby’s cold should touch the neck, chest and other parts, as long as these places are not cold enough to wear even if the baby . How many baby clothes can also be worn with a simple judgment – the same environment than adults to wear something on it.

Beware sensitive , well- selected clothing

Baby’s skin is very delicate , personal clothing should be selected on the skin gentle cotton material , some of the baby’s skin to certain synthetic fibers ( such as polyester and the like ) are more sensitive , compared with natural fiber cotton fabric makes your baby better regulate body temperature, increase comfort of the skin, so that the baby can sleep all night.

While the choice of the time , paying particular attention to the armpits and crotch baby clothes are soft because they are part of the regular activities of the baby , but also need to protect delicate skin . In addition, a layer of baby diapers is also close pajamas, cotton diapers should be used , or the inner surface of the material using soft cotton diapers .

In addition to the material of clothes, but also pay attention laundry way . Bought new clothes may remain above some irritating substance , preferably washed once after to give the baby to wear . Adult clothing contaminated with bacteria and more, the best clothes and wash baby clothes separately from adults , to avoid bacterial contamination hidden and use a mild neutral , do not add spice baby clothes special detergent , reduce irritation. While eliminating the hassle of disposable diapers washing , but also in the selection can not be a little sloppy , in addition to soft, like diapers with aloe vera skin layer and allow healthy baby , the parents at ease.

In addition, the color of baby clothes just for their own style cute baby dressed in choosing when to choose more front cardigan dress better, more convenient front cardigan and diapering mom to wear off , reducing the chance the baby naked body . While the baby’s underwear should choose a light color, so moms discover stains and Baby Autumn Family Wear Pajama Letter Printing Children

exception. Loose jumpsuit also very suitable for newborns, but when I wear a bit tricky .

Experts say : Why love sweating baby to sleep ?

Because compared to adults , infants skin moisture large, metabolism, skin moisture evaporation , too. Even newborn babies, the number of sweat glands has reached the adult level , the same number of sweat glands located in a small area of a lot of places, no wonder almost baby to sleep easier at night than adults Sweating .

Experts say : How your baby’s tender skin ?

Baby’s skin wanted to ” delicate ” known how specific tender , we told you from the following three aspects:

1 fear mill : neonatal epidermal only 1/ 10 the thickness of adults, a period of months to one year old , adult epidermis only 1/3 ; infants and small collagen fibers in the dermis , the lack of flexibility , is not easily penetration of foreign objects , but also easy to scratch damage.

2 afraid of the sun : the lack of baby skin melanin , the pigment layer is relatively thin , which not only let the baby looks white , very easy to be the sun’s ultraviolet sunburn.

3 Drying: fewer baby skin sebum secretion , leading to dry skin, is apt to cause allergies, and even folliculitis.

Article Source:

eArticlesOnline.com}

South African prosecutors charge ANC leader Jacob Zuma with corruption

Saturday, December 29, 2007File:JacobZuma.jpg

Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

Retrieved from “https://en.wikinews.org/w/index.php?title=South_African_prosecutors_charge_ANC_leader_Jacob_Zuma_with_corruption&oldid=4538626”