Sallie Mae leads Consumer Financial Protection Bureau complaints about student loans

Filed Under (Uncategorized) by on 04-05-2019

Tuesday, October 1, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about student loans in the United States shows Sallie Mae leads all lending institutions in complaints. Of the 4,851 complaints dating back to March 2012 when the CFPB first began collecting student loan data, 2,262 or 46.6% of all complaints were about the lender. US Federal Reserve data from 2010/2011 shows Sallie Mae is the nation’s largest student loan lender, responsible for 25% of the market

The other major lenders in this space include Wells Fargo, JP Morgan Chase, PNC, and Discover. In complaints, AES/PHEAA came in second with 546, or 11.3% of all complaints. Wells Fargo, Citibank and JPMorgan Chase each had between 5% and 7.5% of all complaints, totaling 918 complaints between them. 78 other lending institutions round out the list of organizations with complaints filed against them for student loans.

Few of the complaints originate from people with problems with federal student loans. Less than 1%, 35 total, are for these types of loans, with Sallie Mae accounting for the bulk of complaints with 17 total. 14 other lending institutions have 3 or fewer complaints. For non-federal student loans, Sallie Mae is still the leader for complaints, with 2245 or 46.6% of all non-federal student loan complaints.

The Consumer Financial Protection Bureau sorts complaints into three issues: Problems when you are unable to pay, Repaying your loan, and Getting a loan. None of the federal loans had complaints about getting a loan. For non-federal loans, 65.5% of the 4,816 complaints related to loan repayment. Sallie Mae led in total complaints in this category with 1467. They were followed by AES/PHEAA with 356, Wells Fargo with 231, Citibank with 201, Discover with 158, JPMorgan Chase with 154, ACS Education Services with 143, and KeyBank NA with 116. CFPB says loan repayment issues include a basket of claim types including “fees, billing, deferment, forbearance, fraud, and credit reporting.” Problems when you are unable pay accounts for 30.8% of the complaints. Sallie Mae had 698 complaints. They were followed by AES/PHEAA with 181, JPMorgan Chase with 106, Wells Fargo with 104, Citibank with 70, and KeyBank NA with 58. Many of the complaints are, according to the CFPB, because borrowers have difficulty getting deferrments on loan repayment as a result of being unable to find employment.

The total complaints against Sallie Mae for September of this year is 2 fewer than the same time last year. The company’s performance this year compared to last year has been mixed. March and June numbers were down over 150 complaints from the same month a year before. April, May, July and August all saw increases of 17–43. Of the top six lenders by volume of complaints, only AES/PHEAA and Citibank saw drops every month between March and September from the total volume in the previous year. Wells Fargo had a gain of 1 in August and 6 in May from the previous year. JPMorgan Chase had a difference of 0 from the same month last year for April, 3 more this year for May, and 4 more for August. Discover saw an increase every month from the same period last year except for September. When the total complaints differences from year to year for March to September are counted, this year has 571 fewer complaints against the top six lenders.

Most, 1470, of the complaints against Sallie Mae were closed with explanations. 10.2% were closed with monetary relief. 7.7% were closed with non-monetary relief. 2.1% were closed with relief and 12.1% were closed without relief. AES/PHEAA’s complaint closure picture was much different. 40.1% of AES/PHEAA’s 546 complaints were closed with non-monetary relief, 35.3% were closed with explanations and 21.2% were closed without relief. Of the eight lending institutions with 100 or more complaints filed against them, Discover was the institution most likely to result in a closure with monetary relief with 12.9% of all their closures ending this way. Citibank was the institution with the highest percentage of closures ending with no relief at 26.0%.

Complaints over student loan lenders were geographically distributed, coming from 3,447 different zip codes. The largest cluster of complaints is for 20001, a Washington D.C. zip code with 10 complaints originating from there. 07950, the zip code for Morris Plains, New Jersey, and 37013, the zip code for Antioch, Tennessee, each had 8 complaints originating from them. Zip codes for Patchogue, New York; Philadelphia, Pennsylvania; Washington D.C.; and Arlington, Virginia each had 7 complaints originating from them. By volume of complaints by state, New York led with 497, with California second with 467, Pennsylvania third with 303, Florida fourth with 288 and Ohio fifth with 219 complaints. US Territories largely occupied the bottom spots. The Northern Marianas Islands, with a population of around 50,000, had 1 complaint. The U.S. Armed Forces – Pacific had 3. North Dakota and U.S. Armed Forces – Europe had 5 complaints each. South Dakota had 7. Wyoming had 8. Puerto Rico and Alaska had 9 each. Rounding out the bottom five states by volume of complaints, Mississippi had 11.

With the possibility of a United States government federal shutdown looming on October 1, student loans may be impacted because of potential for an automatic increase in interest rates.

Get Expertly Designed Banners In Rancho Cucamonga, Ca

Filed Under (Professionally Designed And Customed Kitchens) by on 04-05-2019

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Wikinews interviews Aurélien Miralles about Sirenoscincus mobydick species discovery

Filed Under (Uncategorized) by on 03-05-2019

Thursday, January 24, 2013

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A group of researchers published a paper about their discovery of a new species of Madagascar mermaid skink lizards last December. The species is the fourth forelimbs-only terrestrial tetrapods species known to science, and the first one which also has no fingers on the forelimbs.

The species was collected at Marosely, Boriziny (French: Port-Bergé), Sofia Region, Madagascar. The Sirenoscincus mobydick name is after the existing parent genus, and a sperm whale from the 1851 novel Moby-Dick by Herman Melville.

This week, Wikinews interviewed one of the researchers, French zoologist Aurélien Miralles, about the research.

((Wikinews)) What caused your initial interest in Madagascar lizards?

Aurélien Miralles: Well, I would say that since I am a child I am fascinated by the biodiversity of tropical countries, and more especially by reptiles. I did a PhD on the evolution and systematics of skink lizards from South America. Then, I get a Humboldt grant to do a postdoc in Germany, at the Miguel Vences Lab, in order to study Malagasy skinks. Madagascar being a fabulous hotspot for reptiles (and not only for reptiles actually), it was a very nice opportunity. Professor Vences proposed me to associate our complementary fields of expertise: he is expert in herpetology for Madagascar, and I am expert in skinks lizards (family Scincidae). It was a very fruitful experience, and many other results have still to [be] published.

((WN)) How was the new species discovered?

AM: By a very funny coincidence actually. In 2010, I went to Madagascar for a long trip through the south of the island, in the semi-arid bush for collecting lizards and snakes samples. Then, during the last days, just before coming back to Germany, I have visited by coincidence the zoological collection of the University of Antananarivo. In that place, I found an old jar of ethanol with two weird little specimens previously collected by a student who didn’t realize it was something new. Being expert on skinks, I immediately recognised it was something very probably new, very different from all the other known species.

((WN)) What does “Sirenoscincus” stand for?

AM: I am not the author of the genus name Sirenoscincus. This genus name was already existing. It has been described by Sakata and Hikida (two Japanese herpetologists). “Sireno” means mermaid. “Scincus” means skinks, a group of little lizards on which I am particularly focusing my studies. So, Sirenoscinus means “mermaid skink”, in reference to [the] fact it has forelimbs but no hindlimbs.

((WN)) How deep underground do the lizards live?

AM: Hard to answer this question because nothing is known on the ecology of this species. But more reasonably, we can hypothesize, by comparison to similar species of skinks, that it is probably living just under the sand surface, [a] few centimeters deep, probably no more, or below [a] rock, leaf litter, or piece of dead wood.

((WN)) What do the lizards eat?

AM: Again, by analogy, I would say most likely small invertebrates (insects, larvae, worms etc…).

((WN)) What equipment was used during the research?

AM: Classic equipment (microscope) and also a state-of-the-art device: a micro CT-scan. It is a big device producing [a] 3D picture of the internal structure without damaging the specimen. It is actually very similar to the scanner used in human medicine, but this one is specially designed for small specimens. Otherwise, I am currently studying the DNA of this species and closely related species in order to determine its phylogenetic position compared to other species with legs, in order to learn more about the evolutionary phenomena leading to limb loss.

((WN)) There are several news sources that have a photo of the species. Is it a photo as seen in a CT-scan?

AM: No, this picture showing a whitish specimen on a black background is not a CT-scan. It is a normal photograph of the collection specimen preserved in alcohol (the one that was in the jar). You can see the complete of picture (including CT-scan 3D radiography, drawing…) in the original scientific publication.

((WN)) Do you know when the newly discovered mermaid skink species was put into the jar? Do you have its photo (of the jar)?

AM: No, I have no picture of the jar. The specimen has been collected in November 2004.

((WN)) What were the roles of the people involved in the research? What activity was most time-consuming?

AM: As first investigator, I did most of the work…and the longest part of the work was to examine closely related species in order to do comparisons…and also to check the complete bibliography related to this topic and to write the paper.
Mrs Anjeriniaina is the student who […] collected the specimen a couple of years ago.
Mrs Hipsley and Mr Müller learnt me how to use the CT-scan, and helped me concerning some point relative to internal morphology. Mr Vences helped me as supervisors. Additionally, all of them have corrected the article, and gave me many relevant advices and corrections, thus improving the quality and the reliability of the paper.

((WN)) Did you get in touch with an external entity to get the new species officially recognised?

AM: No. In zoology, it is only needed to publish the description of a new species (and to give it a name) in a scientific journal, and to designate a holotype specimen (= specimen that will be the official reference for this species), to get this new species “officially” recognised by the scientific community. That does not mean that this new species is “correct” (it might be invalidated by subsequent counter-studies), but that means that this discovery and the new name of [the] species are officially existing.

((WN)) Are there any further plans on exploring the species habitat and lifestyle?

AM: No, not really for the time being, because ecology is not our field of expertise. But other studies (including molecular studies) are currently in progress, in order to focus on the phylogenetic position and the evolution of this species.

Hurricane-force winds kill 15 people as storm hits Europe

Filed Under (Uncategorized) by on 02-05-2019

Sunday, January 25, 2009

As a storm swept across parts of France and Spain on Saturday and Sunday, it left 15 people dead. Its winds were recorded up to 190km/h (118 mph), which are hurricane-force winds.

The storm made landfall near to Bordeaux, France at 5:00 am Central European Time on Saturday the 24th January. It traveled south-eastwards towards the south-east coast of France throughout Saturday morning, finally reaching there at 1:00 pm. It is expected to head north-eastwards over Italy and the Adriatic Sea, but without causing damage. Low pressure systems are fairly common in Europe at this time of year. Some reports have called it the storm of the decade; BBC meteorologist Alex Deakin said “Saturday’s storm is being described as the most damaging since that of December 1999 which killed 88 people.”

Four children aged between 9 and 12 died at a sports hall in Sant Boi de Llobregat, near Barcelona. The children intended on playing baseball, but sought shelter inside a covered area made of concrete with a corrugated iron roof. The structure collapsed, as a result of the wind. Local people and fire-fighters were at the scene in aiding children to escape the rubble. Three children died at the scene, a fourth died in hospital and 16 have been treated for injuries.

Other fatalities include a woman, who died after a wall collapsed and a man struck by a falling tree in the Barcelona area. In Landes, south-west France, a falling tree struck a driver; a 78-year-old man was hit by debris and another man, aged 75, was crushed by a tree. A wall crushed a man in Aigues de Busot in the south-east of Spain. A policeman was struck by a falling tree as he directed traffic in Burela and a sailor from a cargo ship died when the vessel got into trouble off the coast of Galicia. In Burgos, Spain, a woman was crushed by a door.

Approximately 1.7 million homes in France and tens of thousands of homes in Spain experienced power cuts. A woman, aged 73, died in France after a power-outage stopped her breathing machine. Road and rail links were blocked and airports closed. Airports in Bordeaux, Biarritz, Pau and Toulouse were shut, as well as train services, leaving hundreds of passengers stranded overnight.

Michèle Alliot-Marie, the French interior minister, stated that in addition to the 300 civil security agents located in the Landes region of France, another 715 agents would be deployed. She also expressed her intent to fly there today, after the high winds have decreased. French President Nicolas Sarkozy told reporters he would travel to the affected area tomorrow. In Bordeaux’s Gironde region, 19 residents of a retirement home were evacuated by rescuers following its rooftop being blown away. Authorities have also evacuated campers from the pine forests in Landes.

Thousands were evacuated from nearby housing estates in La Nucía, north of Benidorm in Alicante, as the Spanish Army helped to fight a forest fire, which was started by a felled electricity pylon. There were also forest fires in the region of Catalonia, while Spain put emergency services on high alert. Waves over 20 metres high were registered off the northern coast of Spain and dolphins were stranded on beaches in the region as a result of high winds.

Wikinews interviews Jeff Jacobsen, creator of LisaMcPherson.org

Filed Under (Uncategorized) by on 01-05-2019

Tuesday, February 19, 2008

On Sunday, Wikinews interviewed creator of memorial site LisaMcPherson.org, former Lisa McPherson Trust employee and long time Scientology critic Jeff Jacobsen.

LisaMcPherson.org is a memorial site created in 1997 containing information on her death and the resulting legal case against the Church of Scientology.

Lisa McPherson died in 1995 while in the care of the Church of Scientology. After a car accident, she became mentally unstable. Scientologists removed her from the hospital and placed her in the Introspection Rundown, she died 17 days later while still in care of the Church. She was used as an icon during Project Chanology, the protest of the Church of Scientology by Anonymous. Protesters were pictured with signs that said “Remember Lisa McPherson” and “Ask Scientology Why Lisa McPherson Died”, other protesters had posters with her picture on it.

Interview with U.S. Republican Presidential candidate Tom Tancredo

Filed Under (Uncategorized) by on 01-05-2019

Tuesday, September 25, 2007

Tom Tancredo has been a member of the United States House of Representatives since 1999, representing the 6th Congressional District of Colorado. He rose to national prominence for his strong stance against illegal immigration and his announcement that he was a Republican candidate in the 2008 Presidential election. David Shankbone recently spoke with the Congressman and posed questions from Wikipedia editors and Wikinews reporters:

DS: Throughout my life my father, a lifelong Republican and an avid listener of Rush Limbaugh, told me that all we needed in this country was a Republican Congress, Republican Senate and a Republican White House to get this country on the right track. Last year he expressed his disappointment to me. So many Republicans, like my father, feel lied to or let down by the party. The rationale for the Iraq War, the sex and bribery scandals, the pork barrel projects, and, as Alan Greenspan recently pointed out, the fiscal irresponsibility. People feel there have been many broken promises. Why should someone vote Republican today?

TT: The best reason I can give: we’re not the Democrats. The best thing we have going for us is the Democrats. Maybe that’s as far as I can go; I hope that there are candidates out there who will reflect and carry out the values that your father believes in when he votes Republican. To the extent you can ferret those people out from the others, that’s who he should vote for. The party was taught a pretty harsh lesson in this last election. I have noticed in the last several months we have done a better job of defending Republican principles as the minority than we ever did in the majority. I feel more in tune with the party now than I have throughout the Bush Presidency. Even before he came in, we were in the majority and we were still spending too much. Hopefully we can say that we were spanked by the American public and that we learned our lessons. There are true believers out there who will stick to their guns, and it’s a matter of principle. What’s the alternative? Hillary Clinton?

DS: You yourself said you would only serve three terms in Congress, but then broke that promise. What caused you to reverse yourself?

TT: What happened was this: having ‘lame duck’ stamped on your forehead in Congress when they know you are not going to be around. Then the committee assignments become less meaningful. That was just one of the factors. Far more significant was my becoming the most visible Congressional member on the immigration issue. When I came into Congress I approached Lamar Smith, who was “The Man” on immigration, and said to him, “I’ve come to help you on this issue.” I felt it was one of the most serious we face as a nation. Lamar said, “It’s all yours! I’ve had it with 10 years of busting my head against the wall!” I started doing special orders—that’s when you speak to an empty chamber and whoever is watching CSPAN–and I did that night after night and wondered if it was worth it; was anyone paying attention? Then I’d go back to my office to pick up my keys and I’d see all the telephone lines illuminated, and the fax machine would be going, and a pile of e-mails would be handed to me the next day. I realized: people pay attention. I started picking it up, speaking around the country, leading the caucus on it. In time it became apparent there was nobody to hand the baton to; there were supporters, but not one single soul was willing to take it on as their issue. It was the first year of my second term that I sent a letter to every supporter I had. I said I had come to this conclusion that at the end of my third term (which is three years away) I don’t know if I will run again or not, but that the decision would not be based upon the term limit pledge, because immigration issue makes me feel I have a responsibility I can not shirk. I said that if anybody who gave me money based upon my term limits pledge wanted it back, I would do so. I received maybe three requests.

DS: There are an estimated 12 million illegal aliens in the U.S. To round up and deport millions of people would be a major government undertaking, requiring massive federal spending and invasive enforcement. What level of funding would be necessary for U.S. Immigration and Customs to achieve the level of enforcement that you’d like to see?

TT: Only a relatively slight increase because the only thing you have to do, other than building a barrier on the southern border, is go after employers. We need to go aggressively after the employers, and try to identify some of the more high profile employers who are hiring illegal aliens. Go after them with fines, and if they are not only hiring them but also conspiring to bring them in, then they could go to jail. A perp walk would have a chilling effect. If you break that magnet, most illegal aliens would go home voluntarily. An article in the Rocky Mountain News stated there has been an employer crackdown in Colorado, and that they are going home or moving on to other states. If we did it nationally, they will return home, because the jobs are no longer available. It doesn’t have to happen over time or instantaneously. The costs to the American public for 12 million illegals are enormous and far more than are paid for by the illegal immigrants themselves in taxes.

DS: How long would full enforcement take for you to succeed?

TT: It would be a couple of years before employers were weaned off illegal immigrants and then a couple more years before you saw a really significant reduction.

DS: Can you explain your remarks about bombing the Islamic holy sites of Mecca and Medina as a deterrent to terrorists operating against the United States.

TT: The question I was answering was “What would you do if Islamic terrorists set off on or more nuclear devices in the United States?” My response was that we would need to come up with a deterrent, and that deterrent may very well be a threat to take out their holy sites if they did something like that in the United States. I still believe it is something we must consider as a possible deterrent because at the present time there are no negative consequences that would accrue to the people who commit a crime such as a nuclear, chemical or biological attack. There are no negative consequences; they may die in the attack but that is not a negative consequence for them. Usually they aren’t going to be state actors.

DS: But wouldn’t an attack on Mecca and Medina be an attack on a sovereign state?

TT: You are not attacking the state, but the religious ideology itself. Holy sites are not just in Saudi Arabia; there’s a number of them. In fact, Iran has one of the holiest cities in Islam. And I never used the word nuclear device; I was talking about taking out a physical structure. The reason I suggested it as a possible deterrent is because it is the only thing that matches the threat itself. The threat is from a religious ideology. Not just from Islam, but from a nation whose requirements include jihad against infidels, and we are a threat to their culture, which is why they believe we need to be destroyed. We must understand what motivates our opponents in order to develop a successful response. I’ve received death threats, enormous criticism, and I’ve been hung in effigy in Pakistan, but nobody has given me an alternative strategy that would be a deterrent to such an event. I guarantee when you read the national intelligence estimates, you would be hard pressed to not walk away from doing something.

DS: Aside from becoming President, if you could be granted three wishes, what would they be?

TT: It was the other night that I saw for the third or fourth time Saving Private Ryan and in the last scene Private Ryan asks, “Have I been a good man, have I earned it?” My greatest wish is to be a good father and to have earned everything I have been given in this life. And to be a better Christian.

DS: Farmers rely heavily on seasonal manual labor. Strict enforcement of immigration laws will inevitably reduce the pool of migrant labor and thus increase costs. Do you support tariffs or other government intervention to keep American farm products competitive?

TT: No, I don’t , because I challenge the premise of the question. The ability for farmers to obtain workers in the United States is only minimally hampered by the immigration process because there is, in fact, H-2A, the visa that is designed specifically for agricultural workers. We can bring in 10,000,000 if we want to. There are no caps. There are restrictions in terms of pay and healthcare benefits, and that’s what makes hiring illegal aliens more attractive. The costs would increase for certain agricultural interest, but it would be regional. You would also see a very aggressive movement toward the mechanization of farm work. We are seeing it today in a lot of areas. We saw it in the tomato industry with the Bracero Program. That was a program many growers relied heavily upon: workers, primarily from Mexico would come up seasonally, work, and then went back home. It was successful. But liberals ended the program as a bad idea because the immigrants couldn’t bring their families. When that happened, tomato growers said they’d go out of business. Lo and behold they developed machinery that can harvest citrus fruit, and now they are genetically engineering trees that have a thicker bark but are more flexible so they can be shaken by these machines. You’ll see it more and more.

DS: Do you agree that our forefathers intended birthright citizenship?

TT: No, the Fourteenth Amendment, upon which the concept of birthright citizenship is based, was a response to the Dred Scott decision.
During the original Senate debate there was an understanding that it wouldn’t be provided to people simply because they were born here, but instead to people under our jurisdiction. For instance, nobody assumes a child born to an embassy employee or an ambassador is a citizen of this country. There was an understanding and a reference to “under the jurisdiction” of the United States.

DS: You and Karl Rove engaged, in your words, in a screaming match over immigration, and Rove said that you would never again “darken the doorstep of the White House.” Are you still considered persona non grata at the White House?

TT: Yeah, even though he is gone, the President’s feelings about my criticism of him have not changed. It wasn’t my stand on immigration, it was my criticisms of the President that have made me persona non grata.

DS: Psychologist Robert Hare has discussed in his work the use of doublespeak as a hallmark of psychopaths, and social scientists have pointed out that the use of doublespeak is most prevalent in the fields of law and politics. Do these two trends alarm you?

TT [Laughs] Yes and no. Unfortunately doublespeak is all too characteristic of people in my profession.

DS: What is the proper role of Congress in the time of war?

TT: To first declare it, and then to fund it or not.

DS: Politics is dominated by lawyers. What other group of people or professions would you prefer to see dominate the field of politics and why?

TT: I can’t think of a particular profession from which I would be more comfortable drawing politicians from.

DS: Do you think lawyers are better for handling legislation and as politicians?

TT: No, they don’t offer anything particularly advantageous to the process. I don’t think it should be dominated by one profession. I’ll tell you what this profession is, and it doesn’t matter what field you come out of. There’s something I noticed here. I tell every single freshman I come across that there are very few words of wisdom, having only been here for ten years, that I can pass along to you but there is one thing I can tell you: this place is Chinese water torture on your principles. Every single day there is another drip, and it comes from a call from a colleague asking you to sign on to a bill you wouldn’t have signed on to; but it’s a friend, and it’s not that big a deal. Or a constituent who comes in and asks you to do something and you think it wouldn’t be such a big deal; or a special interest group that asks you to vote for something you wouldn’t vote for. After time it erodes the toughest of shells if one isn’t careful doesn’t think about it. Even if you recognize that these small steps lead to a feeling that remaining here is the ultimate goal; that the acquisition of power or the maintenance of power is the ultimate goal, that really does… it doesn’t matter if you are a lawyer or not, it does seem to have an impact on people. It’s a malady that is very common in Washington, and you have to think about it, you really do, or you will succumb to it. I don’t mean to suggest I’ve been impervious to these pressures, but I’ve tried my best to avoid it. One reason I am persona non grata at the White House is not just because of immigration, but because I refuse to support him on his trade policy, his education policy, Medicare and prescription drugs initiatives. I remember leaving that debate at 6:30 on a Saturday morning , after having the President call every freshman off the floor of the House to badger them into submission until there were enough votes to pass it. I remember a woman, a freshman colleague, walking away in tears saying she had never been through anything like that in her life. Here was a Republican Congress increasing government to an extent larger than it had been increased since Medicare had come into existence. Your dad should have been absolutely mortified, because it was against all of our principles. And I know the leadership was torn, but we had the President pressing us: we had to do it, we had to stay in power, the President is asking us to do it. Principles be damned. There were people who caved in that night who I never in a million years thought would.
And the threats! “You like being Committee Chairman?” Yes I do. “Do you want to be Chairman tomorrow?” And that’s how it happens. I was called into Tom Delay’s office because I was supporting Republican challengers to Republican incumbents. I had a group called Team America that went out and did that. He called me and said to me, “You’re jeopardizing your career in this place by doing these things.” And I said, “Tom, out of all the things you can threaten with me that is the least effective because I do not look at this place as a career.”

DS: You have supported proposed constitutional amendments that would ban abortion and same-sex marriage. You are also a strong supporter of the Second Amendment. Why do you believe that the U.S. Constitution should regulate medical procedures and personal relationships, but not gun ownership?

TT: The issue of medical procedures and relationships: I don’t really believe the federal government or any level of government has any business in determining about who I care about, or who anybody cares about, but I do believe they have a legitimate role, and the federal government has a responsibility, because of reciprocity. We are only one federal judge decision away from having gay marriage imposed on all states. That’s why there is a need for a Constitutional Amendment. I really believe a family–male, female, rearing children–I believe that is an important structure for the state itself, the way we procreate, which hopefully provides a stable environment for children. That is important to the state, and that’s why I think it’s legitimate. The reciprocity clause forces us into thinking about a Constitutional Amendment. I believe Roe v. Wade should be overturned because I think it’s lousy law, and many liberal jurists think it’s lousy because it read into the Constitution a right to privacy. I don’t’ see a connection between these things and the 2nd Amendment. Same-sex marriage and abortion, perhaps, but I don’t see a connection to the Second Amendment question. I support the 2nd Amendment because it is one of the most important we have. It’s a right we have to protect a lot of our other rights. And in our urban centers…and I don’t’ believe as some Second Amendment radicals believe that every single person has that right. I don’t think so! If you have committed a felony, or if you are a danger to yourself or someone else, then you shouldn’t be able to obtain a firearm, but law-abiding citizens should because it gives them a sense of security and protection against people who would do you harm. I don’t believe urban communities are more dangerous because people are allowed to own guns, but because dangerous people have guns. I would feel more comfortable if in the District of Columbia I could carry a concealed gun. I have a permit.

DS: You recently spoke out against the Black and Hispanic Congressional caucuses, stating, “It is utterly hypocritical for Congress to extol the virtues of a color-blind society while officially sanctioning caucuses that are based solely on race. If we are serious about achieving the goal of a colorblind society, Congress should lead by example and end these divisive, race-based caucuses.” Do you also believe there is no longer a need for the NAACP?

TT: No, I think it’s fine, because it’s a private organization, and people can belong to whatever private organization they want, and the need will be determined to a great extent by reality. If in fact people feel committed to an organization that they believe represents their interest, and it’s a voluntary association, that’s fine. All I’m saying is that for Congress to support these things, that run on money that is appropriated–though they fund them in a convoluted way, but it gets there– my point was about leading by example. If people said we don’t think it’s a good idea, maybe that would have an impact on how people feel about things like the NAACP. I would hope there would be, and I would assume Martin Luther King hoped–that’s his quite about a colorblind society–that there will come a time we don’t need them. That it’s an anachronistic organization. I also don’t believe in the creation of districts on race.

DS: You were one of a handful of Republicans who voted for a bill proposed by Maurice Hinchey and Dana Rohrabacher to stop the Department of Justice from raiding medical marijuana patients and caregivers in states where medical marijuana is legal, citing states’ rights concerns. On the other hand, you have suggested state legislators and mayors should be imprisoned for passing laws contrary to federal immigration law, and you support the Federal Marriage Amendment to ban gay marriage nationally. How do you reconcile these seemingly contradictory positions?

TT: We are talking about issues that are legitimately based upon the Constitutional roles of the state and federal government. I believe there is no Constitutional provision that suggests the federal government has a role to play in preventing states, or punishing states, over laws with regards to medical marijuana. I believe absolutely there is a role for the federal government for punishing states or laws when they contravene federal jurisdiction. For instance, protecting states against invasion. Immigration is federal policy, and there’s a law actually called “Encouragement”: you can’t encourage people to come in illegally or stay here illegally. I believe that is constitutionally a federal area.

DS: If you had to support one of the Democratic candidates, which one would it be and why?

TT: Although I couldn’t vote for him, if I had to support one for a nominee it would be Obama, and I would do so because first, I believe we could beat him [laughs], but secondly, and less cynically, I think it would be very good to have a black man, a good family man, and a very articulate man, to have him as a role model for a lot of black children in this country.

Magnitogorsk apartment building collapses after explosion, dozens dead

Filed Under (Uncategorized) by on 01-05-2019

Friday, January 4, 2019

An apartment building collapsed on Monday in Magnitogorsk, a city in the Ural region of Russia. A suspected gas leak led to an explosion, followed by the ten-storey building coming down. A total of 39 are confirmed dead, officials told state media, adding that rescuers ended their work yesterday. Some reports suggest a deliberate criminal act.

The 1973 building was home to over 1,000 people; 48 apartments were damaged. Rescuers, working in temperatures well below freezing, according to the emergencies ministry recovered at least ten survivors from the debris on Monday. The building was evacuated. Over 1,000 rescuers responded.

The Investigative Committee and the Federal Security Service (FSB) said they believe gas, which leaks relatively frequently in Russia, was the trigger for the disaster which occurred at 6am as many occupants slept. President Vladimir Putin was briefed, and flew to Magnitogorsk on Monday, observing the rescue mission and visiting the wounded in hospital. In a meeting that day he was told by Emergencies Minister Yevgeny Zinichev of “presumably between 36 and 40 people under the rubble”, while Chelyabinsk regional Deputy Governor Oleg Klimov indicated 68 people were missing.

Search and rescue was suspended on Tuesday, with Zinichev describing the “real threat of [another] part of the building collapsing” as making it “impossible to continue working in such conditions”, and work launched to stabilise the remaining structure. He estimated this would take 24 hours. Cranes were used to hoist workers into position to demolish sections deemed dangerous. Rescue work resumed on Wednesday, with additional bodies recovered increasing the confirmed death toll from fourteen to 31.

“The search and rescue operation is complete,” Deputy Emergency Situations Minister Alexander Chupriyan told TASS on Wednesday. Chelyabinsk’s governor has promised each victim will be subject to a payout of one million rubles.

Health Minister Veronika Skvortsova indicated on Monday the chances of those trapped being found alive were already diminishing. On Tuesday an eleven-month-old boy, identified only as Ivan, was rescued alive and flown to Moscow for treatment of injuries including frostbite, leg fractures, and head trauma. He was found under rubble, still in his cot after having been trapped for over 30 hours. Ivan’s condition was on Wednesday reported to not be life-threatening.

The Emergencies Ministry said six deaths were of children.

On the night of Monday to Tuesday another explosion hit a gas-powered minibus in the city. Officials said three people died; their identities were not provided. Both explosions took place on Karl Marx Avenue, within two miles of each other.

It’s impossible to continue working in such conditions

The FSB denies the two explosions are related; reports describe speculation the disaster’s cause was not in fact a gas leak. One news site, Znak.com, claims FSB sources have ascribed the explosion to terrorism. The Investigative Committee says it has found no trace of explosives despite Znak.com claiming an anonymous source described a second-floor apartment being used as an explosives depot ahead of a planned shopping centre bombing. Znak.com further reported its source said that apartment’s tenant moved in the day before the blast.

Regional governor Boris Dubrovsky said FSB officers were present where the minibus exploded outside the local administrative building, but said this too was unrelated to the other explosion. Znak.com reported its source said “three terrorists” were killed in a firefight on Monday night, while footage from the scene showed the vehicle burn amid what sounds like gunfire.

The website further reported its anonymous source claimed a fourth offender escaped and remains wanted. Monday saw armed police with dogs searching a second apartment block in Magnitigorsk. Residents there told the press the officers claimed to be seeking a bomb.

Hewlett-Packard to cut 9,000 jobs in $1 billion restructuring plan

Filed Under (Uncategorized) by on 01-05-2019

Wednesday, June 2, 2010

Hewlett-Packard (HP) expects to lose 9,000 jobs between now and 2013 in a US$1 billion (£686m) restructuring plan.

The 9,000 jobs losses will be in the enterprise services division, but the company expects to add about 6,000 employees to its sales and delivery teams.

HP commented in a statement, “As a result of productivity gains and automation, HP expects to eliminate roughly 9,000 positions over a multi-year period to reinvest for further growth and to increase shareholder value”

HP will invest in fully automated data centers as it makes operational changes in its Internet technology services business. HP said the restructuring will generate savings of $500–700 million (about €407–571 million) in net savings after reinvestment.

Hewlett-Packard has around 300,000 employees and is the world’s largest technology company by sales. HP is an American multinational information technology corporation headquartered in Palo Alto, California.

New Jersey to consider bikini waxing ban

Filed Under (Uncategorized) by on 29-04-2019

Friday, March 20, 2009

New Jersey is considering a state-wide ban on Brazilian waxes, the removal of hair from the bikini area.

Although genital waxing has never really been allowed in the state, the New Jersey Board of Cosmetology and Hairstyling plans to propose a ban with more specific legal wording, in response to two women who reported being injured during a wax. The board will consider the proposal at their next meeting on April 14.

If the measure passes, New Jersey may become the only US state to ban the practice outright.

Although millions of Americans engage in bikini waxes, which generally cost between $50 and $60 per session, the practice comes with risks. Skin care experts say the hot wax can irritate delicate skin in the bikini area, and result in infections, ingrown hairs and rashes.

Waxing on the face, neck, abdomen, legs and arms would continue to be permitted in the state under the proposed ban. Although New Jersey statutes have always banned bikini waxing, the laws were unclear and seldom enforced.

As a result, many salons from around the state have offered bikini waxing for years. Many salon owners spoke out against the proposed ban, which they said would severely damage their business.

“I really don’t know if the state can stop it at this point,” said Valentia Chistova, owner of the Monmouth County salon Brazil. “I know a lot of women who are really hooked.”

 This story has updates See New Jersey backpedals on proposed bikini waxing ban 

Plane crashes into office block in Austin, Texas/suicide note

Filed Under (Uncategorized) by on 28-04-2019

This is the online suicide letter authored by Andrew Stack, the man believed to be responsible for flying a light aircraft into a building in Austin, Texas. It was originally posted at Stack’s site, http://embeddedart.com/. The hosting company, T35, took the site offline per an FBI request. The note is reproduced here in its entirety.

If you’re reading this, you’re no doubt asking yourself, “Why did this have to happen?” The simple truth is that it is complicated and has been coming for a long time. The writing process, started many months ago, was intended to be therapy in the face of the looming realization that there isn’t enough therapy in the world that can fix what is really broken. Needless to say, this rant could fill volumes with example after example if I would let it. I find the process of writing it frustrating, tedious, and probably pointless… especially given my gross inability to gracefully articulate my thoughts in light of the storm raging in my head. Exactly what is therapeutic about that I’m not sure, but desperate times call for desperate measures.

We are all taught as children that without laws there would be no society, only anarchy. Sadly, starting at early ages we in this country have been brainwashed to believe that, in return for our dedication and service, our government stands for justice for all. We are further brainwashed to believe that there is freedom in this place, and that we should be ready to lay our lives down for the noble principals represented by its founding fathers. Remember? One of these was “no taxation without representation”. I have spent the total years of my adulthood unlearning that crap from only a few years of my childhood. These days anyone who really stands up for that principal is promptly labeled a “crackpot”, traitor and worse.

While very few working people would say they haven’t had their fair share of taxes (as can I), in my lifetime I can say with a great degree of certainty that there has never been a politician cast a vote on any matter with the likes of me or my interests in mind. Nor, for that matter, are they the least bit interested in me or anything I have to say.

Why is it that a handful of thugs and plunderers can commit unthinkable atrocities (and in the case of the GM executives, for scores of years) and when it’s time for their gravy train to crash under the weight of their gluttony and overwhelming stupidity, the force of the full federal government has no difficulty coming to their aid within days if not hours? Yet at the same time, the joke we call the American medical system, including the drug and insurance companies, are murdering tens of thousands of people a year and stealing from the corpses and victims they cripple, and this country’s leaders don’t see this as important as bailing out a few of their vile, rich cronies. Yet, the political “representatives” (thieves, liars, and self-serving scumbags is far more accurate) have endless time to sit around for year after year and debate the state of the “terrible health care problem”. It’s clear they see no crisis as long as the dead people don’t get in the way of their corporate profits rolling in.

And justice? You’ve got to be kidding!

How can any rational individual explain that white elephant conundrum in the middle of our tax system and, indeed, our entire legal system? Here we have a system that is, by far, too complicated for the brightest of the master scholars to understand. Yet, it mercilessly “holds accountable” its victims, claiming that they’re responsible for fully complying with laws not even the experts understand. The law “requires” a signature on the bottom of a tax filing; yet no one can say truthfully that they understand what they are signing; if that’s not “duress” than [sic] what is. If this is not the measure of a totalitarian regime, nothing is.

How did I get here?

My introduction to the real American nightmare starts back in the early ‘80s. Unfortunately after more than 16 years of school, somewhere along the line I picked up the absurd, pompous notion that I could read and understand plain English. Some friends introduced me to a group of people who were having ‘tax code’ readings and discussions. In particular, zeroed in on a section relating to the wonderful “exemptions” that make institutions like the vulgar, corrupt Catholic Church so incredibly wealthy. We carefully studied the law (with the help of some of the “best”, high-paid, experienced tax lawyers in the business), and then began to do exactly what the “big boys” were doing (except that we weren’t steeling [sic] from our congregation or lying to the government about our massive profits in the name of God). We took a great deal of care to make it all visible, following all of the rules, exactly the way the law said it was to be done.

The intent of this exercise and our efforts was to bring about a much-needed re-evaluation of the laws that allow the monsters of organized religion to make such a mockery of people who earn an honest living. However, this is where I learned that there are two “interpretations” for every law; one for the very rich, and one for the rest of us… Oh, and the monsters are the very ones making and enforcing the laws; the inquisition is still alive and well today in this country.

That little lesson in patriotism cost me $40,000+, 10 years of my life, and set my retirement plans back to 0. It made me realize for the first time that I live in a country with an ideology that is based on a total and complete lie. It also made me realize, not only how naive I had been, but also the incredible stupidity of the American public; that they buy, hook, line, and sinker, the crap about their “freedom”… and that they continue to do so with eyes closed in the face of overwhelming evidence and all that keeps happening in front of them.

Before even having to make a shaky recovery from the sting of the first lesson on what justice really means in this country (around 1984 after making my way through engineering school and still another five years of “paying my dues”), I felt I finally had to take a chance of launching my dream of becoming an independent engineer.

On the subjects of engineers and dreams of independence, I should digress somewhat to say that I’m sure that I inherited the fascination for creative problem solving from my father. I realized this at a very young age.

The significance of independence, however, came much later during my early years of college; at the age of 18 or 19 when I was living on my own as student in an apartment in Harrisburg, Pennsylvania. My neighbor was an elderly retired woman (80+ seemed ancient to me at that age) who was the widowed wife of a retired steel worker. Her husband had worked all his life in the steel mills of central Pennsylvania with promises from big business and the union that, for his 30 years of service, he would have a pension and medical care to look forward to in his retirement. Instead he was one of the thousands who got nothing because the incompetent mill management and corrupt union (not to mention the government) raided their pension funds and stole their retirement. All she had was social security to live on.

In retrospect, the situation was laughable because here I was living on peanut butter and bread (or Ritz crackers when I could afford to splurge) for months at a time. When I got to know this poor figure and heard her story I felt worse for her plight than for my own (I, after all, I thought I had everything to in front of me). I was genuinely appalled at one point, as we exchanged stories and commiserated with each other over our situations, when she in her grandmotherly fashion tried to convince me that I would be “healthier” eating cat food (like her) rather than trying to get all my substance from peanut butter and bread. I couldn’t quite go there, but the impression was made. I decided that I didn’t trust big business to take care of me, and that I would take responsibility for my own future and myself.

Return to the early ‘80s, and here I was off to a terrifying start as a ‘wet-behind-the-ears’ contract software engineer… and two years later, thanks to the fine backroom, midnight effort by the sleazy executives of Arthur Andersen (the very same folks who later brought us Enron and other such calamities) and an equally sleazy New York Senator (Patrick Moynihan), we saw the passage of 1986 tax reform act with its section 1706.

For you who are unfamiliar, here is the core text of the IRS Section 1706, defining the treatment of workers (such as contract engineers) for tax purposes. Visit this link for a conference committee report (http://www.synergistech.com/1706.shtml#ConferenceCommitteeReport) regarding the intended interpretation of Section 1706 and the relevant parts of Section 530, as amended. For information on how these laws affect technical services workers and their clients, read our discussion here (http://www.synergistech.com/ic-taxlaw.shtml).

SEC. 1706. TREATMENT OF CERTAIN TECHNICAL PERSONNEL.

(a) IN GENERAL – Section 530 of the Revenue Act of 1978 is amended by adding at the end thereof the following new subsection:

(d) EXCEPTION. – This section shall not apply in the case of an individual who pursuant to an arrangement between the taxpayer and another person, provides services for such other person as an engineer, designer, drafter, computer programmer, systems analyst, or other similarly skilled worker engaged in a similar line of work.

(b) EFFECTIVE DATE. – The amendment made by this section shall apply to remuneration paid and services rendered after December 31, 1986.

Note:

· “another person” is the client in the traditional job-shop relationship.

· “taxpayer” is the recruiter, broker, agency, or job shop.

· “individual”, “employee”, or “worker” is you.

Admittedly, you need to read the treatment to understand what it is saying but it’s not very complicated. The bottom line is that they may as well have put my name right in the text of section (d). Moreover, they could only have been more blunt if they would have came out and directly declared me a criminal and non-citizen slave. Twenty years later, I still can’t believe my eyes.

During 1987, I spent close to $5000 of my ‘pocket change’, and at least 1000 hours of my time writing, printing, and mailing to any senator, congressman, governor, or slug that might listen; none did, and they universally treated me as if I was wasting their time. I spent countless hours on the L.A. freeways driving to meetings and any and all of the disorganized professional groups who were attempting to mount a campaign against this atrocity. This, only to discover that our efforts were being easily derailed by a few moles from the brokers who were just beginning to enjoy the windfall from the new declaration of their “freedom”. Oh, and don’t forget, for all of the time I was spending on this, I was loosing income that I couldn’t bill clients.

After months of struggling it had clearly gotten to be a futile exercise. The best we could get for all of our trouble is a pronouncement from an IRS mouthpiece that they weren’t going to enforce that provision (read harass engineers and scientists). This immediately proved to be a lie, and the mere existence of the regulation began to have its impact on my bottom line; this, of course, was the intended effect.

Again, rewind my retirement plans back to 0 and shift them into idle. If I had any sense, I clearly should have left abandoned engineering and never looked back.

Instead I got busy working 100-hour workweeks. Then came the L.A. depression of the early 1990s. Our leaders decided that they didn’t need the all of those extra Air Force bases they had in Southern California, so they were closed; just like that. The result was economic devastation in the region that rivaled the widely publicized Texas S&L fiasco. However, because the government caused it, no one gave a shit about all of the young families who lost their homes or street after street of boarded up houses abandoned to the wealthy loan companies who received government funds to “shore up” their windfall. Again, I lost my retirement.

Years later, after weathering a divorce and the constant struggle trying to build some momentum with my business, I find myself once again beginning to finally pick up some speed. Then came the .COM bust and the 911 nightmare. Our leaders decided that all aircraft were grounded for what seemed like an eternity; and long after that, ‘special’ facilities like San Francisco were on security alert for months. This made access to my customers prohibitively expensive. Ironically, after what they had done the Government came to the aid of the airlines with billions of our tax dollars … as usual they left me to rot and die while they bailed out their rich, incompetent cronies WITH MY MONEY! After these events, there went my business but not quite yet all of my retirement and savings.

By this time, I’m thinking that it might be good for a change. Bye to California, I’ll try Austin for a while. So I moved, only to find out that this is a place with a highly inflated sense of self-importance and where damn little real engineering work is done. I’ve never experienced such a hard time finding work. The rates are 1/3 of what I was earning before the crash, because pay rates here are fixed by the three or four large companies in the area who are in collusion to drive down prices and wages… and this happens because the justice department is all on the take and doesn’t give a fuck about serving anyone or anything but themselves and their rich buddies.

To survive, I was forced to cannibalize my savings and retirement, the last of which was a small IRA. This came in a year with mammoth expenses and not a single dollar of income. I filed no return that year thinking that because I didn’t have any income there was no need. The sleazy government decided that they disagreed. But they didn’t notify me in time for me to launch a legal objection so when I attempted to get a protest filed with the court I was told I was no longer entitled to due process because the time to file ran out. Bend over for another $10,000 helping of justice.

So now we come to the present. After my experience with the CPA world, following the business crash I swore that I’d never enter another accountant’s office again. But here I am with a new marriage and a boatload of undocumented income, not to mention an expensive new business asset, a piano, which I had no idea how to handle. After considerable thought I decided that it would be irresponsible NOT to get professional help; a very big mistake.

When we received the forms back I was very optimistic that they were in order. I had taken all of the years information to Bill Ross, and he came back with results very similar to what I was expecting. Except that he had neglected to include the contents of Sheryl’s unreported income; $12,700 worth of it. To make matters worse, Ross knew all along this was missing and I didn’t have a clue until he pointed it out in the middle of the audit. By that time it had become brutally evident that he was representing himself and not me.

This left me stuck in the middle of this disaster trying to defend transactions that have no relationship to anything tax-related (at least the tax-related transactions were poorly documented). Things I never knew anything about and things my wife had no clue would ever matter to anyone. The end result is… well, just look around.

I remember reading about the stock market crash before the “great” depression and how there were wealthy bankers and businessmen jumping out of windows when they realized they screwed up and lost everything. Isn’t it ironic how far we’ve come in 60 years in this country that they now know how to fix that little economic problem; they just steal from the middle class (who doesn’t have any say in it, elections are a joke) to cover their asses and it’s “business-as-usual”. Now when the wealthy fuck up, the poor get to die for the mistakes… isn’t that a clever, tidy solution.

As government agencies go, the FAA is often justifiably referred to as a tombstone agency, though they are hardly alone. The recent presidential puppet GW Bush and his cronies in their eight years certainly reinforced for all of us that this criticism rings equally true for all of the government. Nothing changes unless there is a body count (unless it is in the interest of the wealthy sows at the government trough). In a government full of hypocrites from top to bottom, life is as cheap as their lies and their self-serving laws.

I know I’m hardly the first one to decide I have had all I can stand. It has always been a myth that people have stopped dying for their freedom in this country, and it isn’t limited to the blacks, and poor immigrants. I know there have been countless before me and there are sure to be as many after. But I also know that by not adding my body to the count, I insure nothing will change. I choose to not keep looking over my shoulder at “big brother” while he strips my carcass, I choose not to ignore what is going on all around me, I choose not to pretend that business as usual won’t continue; I have just had enough.

I can only hope that the numbers quickly get too big to be white washed and ignored that the American zombies wake up and revolt; it will take nothing less. I would only hope that by striking a nerve that stimulates the inevitable double standard, knee-jerk government reaction that results in more stupid draconian restrictions people wake up and begin to see the pompous political thugs and their mindless minions for what they are. Sadly, though I spent my entire life trying to believe it wasn’t so, but violence not only is the answer, it is the only answer. The cruel joke is that the really big chunks of shit at the top have known this all along and have been laughing, at and using this awareness against, fools like me all along.

I saw it written once that the definition of insanity is repeating the same process over and over and expecting the outcome to suddenly be different. I am finally ready to stop this insanity. Well, Mr. Big Brother IRS man, let’s try something different; take my pound of flesh and sleep well.

The communist creed: From each according to his ability, to each according to his need.

The capitalist creed: From each according to his gullibility, to each according to his greed.

Joe Stack (1956-2010)

02/18/2010

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