Australian jockey Stathi Katsidis found dead at age 31

Author: Admin  |  Category: Uncategorized

Thursday, October 21, 2010

One of Australia’s leading jockeys Stathi Katsidis has been found dead at the age of 31. He was found dead on Tuesday morning by his fiancee, Melissa Jackson.

Katsidis died less than a week before he was due to ride in the Cox Plate and was set to ride in the Melbourne cup in November. He was going to be riding former Australian Derby winner Shoot Out.

Born in Toowoomba, Katsidis had recorded over 170 victories last season. He had success in both the Australian Derby and the Group One Randwick Guineas. He suffered a knock back in 2008 when he was banned for nine months after testing positive for ecstasy. He had previously battled drug and weight problems in the past.

“He was a terrific guy, loaded with ability and is going to be sadly missed.

Tributes have been paid to Katsidis both jockey’s and trainers. John Wallace, the trainer of Shoot Out said “He told me he couldn’t wait to get to Melbourne and that he’d be down on Thursday. It’s a total shock.” Jockey Corey Brown said “He was a terrific guy, loaded with ability and is going to be sadly missed.”

Police have said that no suspicious circumstances surrounding Katsidis death. His fiancee has said that she suspects alcohol to be a factor in his death. Katsidis had been out drinking with friends on the night before his death. “Jockeys have to lose so much weight. Their bodies are drained like anorexic young girls. Then some of them go out and try drinking like men with big, strong bodies. It hits them like a brick wall. I just hope some of the other jockeys get a message from this.”

His funeral has been set for next Tuesday; exact plans have yet to be released.

Retrieved from “https://en.wikinews.org/w/index.php?title=Australian_jockey_Stathi_Katsidis_found_dead_at_age_31&oldid=1585577”

Cleveland, Ohio clinic performs US’s first face transplant

Author: Admin  |  Category: Uncategorized

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cleveland,_Ohio_clinic_performs_US%27s_first_face_transplant&oldid=4528710”

Early Intervention With Aba Training

Author: Admin  |  Category: Insurance

Early Intervention With ABA Training

by

G Butch

For many parents of a child with Autism or an Autism Spectrum Disorder, there are a large number of terms that are thrown at you rather quickly. While you are still struggling to come to terms with the diagnosis, it can be frustrating to have all of this information given to you quickly and before you can process it all. One of the terms you are likely to hear is early intervention. This term applies to the idea that catching and treating Autism early, through a method such as ABA Therapy, can make a significant difference in your childs chances of recovery. The truth is that early intervention truly does make a large difference.

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It is important to understand that there is hope for children with ASD. Even if your child is older, ABA Training can have a remarkable impact and can change the lives of your child and your family as a while. Early intervention, however, does offer the most potential. When started early, during your childs most formative years, ABA Training offers significant hope of helping to rewire certain synapses in their brains, effectively teaching them how to learn and to think critically and creatively. ABA Therapy works through repetition and rewards. While this does mean that the same question is asked time and again until the child can answer without prompt, ABA Therapy is not rote memorization and children are eventually able to answer questions that they have not been provided the answers to. ABA Training works to teach children how to weight different stimuli in regards to importance, how to react and behave properly, and perhaps most importantly, how to critically think and come up with ways to solve problems and answer questions. Many people shudder when told that ABA teaches children to think or learn, but it is not insulting. Children with ASD are exceptionally bright and filled with potential, but they are born without the basic ability many of us have to express themselves or to show their creativity and independent thought. It is simply a part of their brains that did not develop and thus must be trained, and not a measure of inferiority or difference. Early intervention helps this rewiring to work by introducing it as the childs brain is still forming, often allowing them to enter school on time and maintain grades and behaviors on par with their peers. Early intervention through ABA Therapy is an excellent way to teach children. In fact, it is the only treatment covered by most insurance companies. Teaching children begins early and at home for all parents, but for children with an ASD,

Garrett Butch is the father of a 6 year old with autism and is the founder of Maximum Potential. MP’s courses in

ABA Therapy

and

ABA Training

were developed by 2 PhD BCBAs to empower parents and school systems and to provide effective and affordable training for school systems and parents.

Article Source:

Early Intervention With ABA Training

Cleveland, Ohio clinic performs US’s first face transplant

Author: Admin  |  Category: Uncategorized

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cleveland,_Ohio_clinic_performs_US%27s_first_face_transplant&oldid=4528710”

World AIDS Day events held around the globe

Author: Admin  |  Category: Uncategorized

Sunday, December 2, 2007

The 20th annual World AIDS Day was December 1, 2007. The theme selected by the World AIDS Campaign is “Stop AIDS: Keep the Promise” as it will be through 2010. The day was marked by thousands of events around the world.

“It is now time for bold leadership at all levels in order to turn the tide of HIV,” said Felicita Hikuam, Global Programmes Manager, World AIDS Campaign. An estimated 33.2 million people around the world—one in every 200—are living with HIV, and approximately 6,800 people are infected with HIV and 5,700 people die of AIDS-related illnesses every day.

“The trend is encouraging but still for every person receiving treatment four others are newly infected,” said Nelson Mandela, speaking at a concert in Johannesburg, South Africa. “If we are to stop the Aids epidemic from expanding, we need to break the cycle of new HIV infections. All of us working together with government, communities and civil society can make the difference that is needed,” he continued.

As many as 50,000 people attended the concert in Johannesburg, South Africa, which was telecast around the world. It was organized by Nelson Mandela’s 46664 AIDS campaign and featured performances by artists such as Peter Gabriel, Ludacris, Razorlight, the Goo Goo Dolls and Annie Lennox.File:20050702-Nelson Mandela Live8 Edinburgh.jpg

At a fundraiser in the town of Midrand, in the province Gauteng, near Johannesburg on Friday, singer Annie Lennox had strong words for the South African government’s AIDS policies.

“AIDS, as Madiba [Mandela] has said, is a human rights issue and should be treated as such in order to avoid this genocide that is affecting millions and millions of people around the world,” said Lennox in a speech. Lennox has previously been critical of the South African government’s position on suggesting some AIDS medications were toxic. “It is unacceptable that treatment has not been made available to those who need it most,” said Lennox.

The rock band Queen, which lost its lead singer Freddie Mercury to AIDS, released a new song entitled, Say It’s Not True, to coincide with World Aids Day. It has been made available as a free download from the band’s website. “By making the song available for free, we hope to help Nelson Mandela with his campaign to get across the message that no-one is safe from infection,” said Queen drummer Roger Taylor. “We have to be aware, we have to protect ourselves and those we love.”

In China, people distributed AIDS prevention brochures in the streets and promoted safe sex in cities like Beijing and Shanghai. In Changsha, official warning signs were put on hotel bedstands. The government announced on Friday an allocation of CNY860 million for AIDS prevention and control. According to official reports, there are estimated to be 700,000 people living with HIV/AIDS in China.

Also in China, the Miss World 2007 was in Sanya on World AIDS Day. The pageant presented a special tribute to the fight against AIDS, with a televised speech from former South African President Nelson Mandela, along with traditional dancers from South Africa who joined the contestants in a special song.

Friday, United States President George W. Bush urged the United States Congress to double the 2003 Emergency Plan for AIDS Relief to US$30 billion over the next five years. “Above all, we rededicate ourselves to a great purpose: We will turn the tide against HIV/AIDS—once and for all,” he said.

“I’m pleased to announce that Laura and I will travel to sub-Sahara Africa early next year,” Bush said. Sub-Saharan Africa suffered nearly three-quarters of AIDS-related deaths during 2006 and is home to two-thirds of those living with HIV/AIDS.

Retrieved from “https://en.wikinews.org/w/index.php?title=World_AIDS_Day_events_held_around_the_globe&oldid=4536912”

Japanese researchers create smell sensor using genetically engineered frog eggs

Author: Admin  |  Category: Uncategorized

Sunday, August 29, 2010

A University of Tokyo group of researchers, led by bioengineer Shoji Takeuchi, has made an electronic sensor capable of smelling gases. The sensor uses genetically engineered frog cells. Since previous sensors were not very accurate, the scientist decided to try a biological approach. The invention was revealed in a US scientific journal yesterday, and is supposed to be used to design better machines to detect polluting gases in the atmosphere.

Previous smell sensors were based on quartz rods, which vibrate when a substance binds to them. The gases are distinguished by their molar masses, which can be similar for molecules with different structure, thus relatively often triggering a false positive. Trying to find a more accurate solution, Takeuchi decided to follow an example from insect world. As he explained, “when you think about the mosquito, it is able to find people because of carbon dioxide from the human. So the mosquito has CO2 receptors. When we can (extract) DNA (from the mosquito) we can put this DNA into the frog eggs to detect CO2.”

Genes of several insects (the silk moth, diamondback moth and fruit fly), injected into African clawed frog Xenopus laevis eggs, allowed them to produce relatively inexpensive and useful sensors. The choice of the species was caused by their widely studied and well-understood protein expression mechanism.

The modified cells responded to three kinds of pheromones and one odourant, which have similar chemical properties. When a molecule of an odorous substance adhered to the receptor on the membrane protein, ion channels opened for a certain period of time, and a current was generated. Its magnitude was clearly different for all four tested substances, allowing to distinguish between them accurately.

The colleagues embedded the sensor into a mannequin, so that it could shake its head when a gas was detected. It was easier to observe. Pheromones and molecules with quite similar molecule structure produced clearly distinguishable reaction, with higher accuracy than other biological or human-made sensors. As the research group said, the detection sensitivity of the odor sensor is several tens of parts per billion (ppb), and it is as high as the sensitivity of an existing odor sensor that uses an oxide semiconductor. The distinctive feature of the new sensor is its capability to selectively detect some odorous substances, rather than its sensitivity. Very few false positives were possible due to the biological mechanism involved.

At normal temperature, the sensor lifetime is about 12 hours, which can be extended by putting it into a refrigerator before first use.

Shoji Takeuchi says has a great hope for research use in future, since the frog eggs are very practical for genetic engineering, and can be conveniently used to develop smell sensors for a wide range of gases. He said, “The X. laevis oocyte has high versatility for the development of chemical sensors for various odorants. We believe that a shared ability to smell might open a new relationship between man and robot. .. The research will have wide implications… If the sensor is embedded in a nursing robot, it will be able to identify certain mouth odors or body odors. Also, it can be used for detecting CO2, air pollution, water pollution and food. It’s very important for the environment.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Japanese_researchers_create_smell_sensor_using_genetically_engineered_frog_eggs&oldid=4554376”

It Can Be Helpful To Use Botox For Something Other Than Cosmetic Reasons

Author: Admin  |  Category: Facial Plastic Surgery

It Can Be Helpful to Use Botox for Something Other Than Cosmetic Reasons

by

Abigail Aaronson

Even though Botox is a toxin, in the right doses, it can be helpful. Botox could help issues such as excessive saliva, stomach neurological problems, and migraine headaches. Although this drug is used extensively for erasing age, the uses for some medical issues are still experimental. Even so, it may be worth it under the supervision of a doctor.

Before going through with using Botox for medical issues, you will need to consider several things. You need to consider your health, the doctor who would administer the drug, side effects, and clinical results. You should look at these areas, so that you will be well-informed before making a decision.

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Your health is something important to think about as you look into using this drug for treatment. It is important to consider all contraindications before making any choices. There are problems that you may encounter if you decide to go through with the use of this drug. Some of the side effects of it could be worse than your original problem. The drug is used to paralyze an area, so a negative side effect could be that the paralysis spreads to the wrong area.

It is also important to talk to your doctor. Your primary care doctor may or may not be willing to administer this drug. Depending on the situation, you might need a specialist to do it. It is essential that the individual that administers it is trained in the administration and has done it many times in the past.

Clinical results also need to be taken into account. Before signing up for procedures using Botox for issues other than those that are cosmetic, make sure that some clinical trials have been done. Take the time to read some of the studies. Some people do choose to be a part of experimental trials, and that is completely fine as it will help others in the future. Just make sure that you are well-informed before getting into any experimental treatments.

After looking at these areas, you will hopefully have the information that you need before getting Botox treatments. Many people get these injections for plastic surgery. They probably do not take it seriously as something that could possibly hurt them. It is a completely different story to have this treatment for some of the medical reasons for which it may be used. Even for your anti-aging, it is still important to have someone reliable take care of it. For medical issues, it is essential that you take the correct steps before going forward with this treatment.

If you’re interested in learning more about Botox, Grand Rapids, MI, has the staff at Carlson Laser Aesthetics, who can help. Make sure that you look the way you want to, and learn about the ways to keep your youthful look by visiting

carlsonlaseraesthetics.com

.

Article Source:

It Can Be Helpful to Use Botox for Something Other Than Cosmetic Reasons

Wikinews interviews 2020 Melbourne Lord Mayor Candidate Wayne Tseng

Author: Admin  |  Category: Uncategorized
This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Thursday, October 22, 2020

2020 Melbourne Lord Mayor candidate Wayne Tseng answered some questions about his campaign for the upcoming election from Wikinews. The Lord Mayor election in the Australian city is scheduled to take place this week.

Tseng runs a firm called eTranslate, which helps software developers to make the software available to the users. In the candidate’s questionnaire, Tseng said eTranslate had led to him working with all three tiers of the government. He previously belonged to the Australian Liberal Party, but has left since then, to run for mayorship as an independent candidate.

Tseng is of Chinese descent, having moved to Australia with his parents from Vietnam. Graduated in Brisbane, Tseng received his PhD in Melbourne and has been living in the city, he told Wikinews. Tseng also formed Chinese Precinct Chamber of Commerce, an organisation responsible for many “community bond building initiatives”, the Lord Mayor candidate told Wikinews.

Tseng discussed his plans for leading Melbourne, recovering from COVID-19, and “Democracy 2.0” to ensure concerns of minorities in the city were also heard. Tseng also focused on the importance of the multi-culture aspect and talked about making Melbourne the capital of the aboriginals. Tseng also explained why he thinks Melbourne is poised to be a world city by 2030.

Tseng’s deputy Lord Mayor candidate Gricol Yang is a Commercial Banker and works for ANZ Banking Group.

Currently, Sally Capp is the Lord Mayor of Melbourne, the Victorian capital. Capp was elected as an interim Lord Mayor in mid-2018 after the former Lord Mayor Robert Doyle resigned from his position after sexual assault allegations. Doyle served as the Lord Mayor of Melbourne for almost a decade since 2008.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_2020_Melbourne_Lord_Mayor_Candidate_Wayne_Tseng&oldid=4598699”

Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Author: Admin  |  Category: Uncategorized

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.

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An Exceptional Offer To Watch Movies Online Free Without Downloading

Author: Admin  |  Category: Camping

An Exceptional Offer To Watch Movies Online Free Without Downloading

by

mislexwick

Pleasure is a powerful desire that anybody wishes to experience and different people have pleasure in different things. Some people feel pleasure when they could watch the movies of their favorite artists or directors. This kind of pleasure is offered to movie lovers by the websites offering free movies online no downloading facility. Yes, now it is possible to watch films as well through internet. Like people using the World Wide Web for obtaining information, they can now use this useful source for watching the films of their favorite artists as well.

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Rather than downloading, movies online free without download would be the best option since the visitors can avoid the risk of any viruses entering into their system via the files pertaining to the films. Even though, they are not going to download the films on to their computers, they will have to select a reliable website since even visiting some websites can cause harm to their computers. When selecting a good website in addition to enjoying free movies, they can also ensure the safety of their computer as well.

Since good websites are offering movies online free without download, people with computer and good internet connection in their homes need not worry about purchasing the CDs and DVDs of their favorite films. They can just visit the website and can enter the name of the film, they need irrespective of the year in which the film was released and they can just continue to watch the movie. They need not have to wait for the cinema to get downloaded on to their system. If their internet connection has good speed, they can watch without any interruption and they can also refer the website to their friends and relatives for bringing about some sort of popularity to the website that enabled them to watch their favorite movie for free.

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