You are currently browsing the archives for July 2019.
Displaying 1 - 6 of 6 entries.

President Bush delivers 2006 State of the Union Address

  • Posted on July 27, 2019 at 1:20 am

Wednesday, February 1, 2006

United States President George W. Bush delivered his annual State of the Union Address on Tuesday.

Contents

  • 1 Bush’s speech
  • 2 Democratic Rebuttals
  • 3 T-shirts prohibited
  • 4 Sources
President Bush delivers 2006 State of the Union Address
»

  • Filed under:
    • Uncategorized

Sallie Mae leads Consumer Financial Protection Bureau complaints about student loans

  • Posted on July 27, 2019 at 1:04 am

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.

Sallie Mae leads Consumer Financial Protection Bureau complaints about student loans
»

  • Filed under:
    • Uncategorized

Hostage standoff in North Reading, Massachusetts ends in tragedy

  • Posted on July 6, 2019 at 1:02 am

Thursday, December 1, 2005

In what appeared to be a hostage situation ended in tragedy this afternoon in the quiet Massachusetts town of North Reading when the body of a 72-year old man, Roaldas Baran, and his 65-year old wife, Zinaida Girdauskiene, were found dead in an apparent murder-suicide at 14 Country Club Road.

The situation began when a neighbor heard four gunshots and a woman screaming and called 9-1-1. Police arrived at the home, and encountered the 72-year old man standing over, a brief conversation was held with the man who then went back inside the house. Then a fifth shot was fired. The SWAT team of the North Eastern Massachusetts Law Enforcement Council was brought in to clear the house and evacuate the surrounding houses. The Massachusetts State Police was also on hand.

Martha Coakley, the District Attorney for Middlesex County reported on what was found upon the SWAT team entering the house.

“In the bedroom, lying, apparently a victim of several gunshot wounds, was a female. We know her to be approximately 65-years-old. In the kitchen on the floor, also apparently the victim of a suicide, was a male we know now to be approximately 72-years-old who was her husband.”

Emily LaGrassa, Coxley’s spokeperson said the man apparently shot the woman and turned the gun on himself. Two guns were recovered.

North Reading Police had been called to the house once before in August 2004. The North Reading police are currently investigating further.

Hostage standoff in North Reading, Massachusetts ends in tragedy
»

  • Filed under:
    • Uncategorized

Rescue teams try to save London whale

  • Posted on July 6, 2019 at 1:01 am

Saturday, January 21, 2006

Wikipedia has more about this subject:

Rescue teams are attempting to save the life of the whale which has been swimming in the London Thames river over the past few days. The northern bottle-nosed whale, which had gotten weaker and weaker, became beached this afternoon. Rescue teams quickly moved the whale onto an inflatable pontoon, keeping the whale in water but with its blowhole above the surface.

Experts then tried to evaluate the condition of the whale by performing ultrasound checks to see how much blubber and blood the whale has, and by taking some blood tests. The breathing rate of the whale was around four inhalations per minute.

The pontoon is currently being towed by a barge slowly downstream.

The British Divers Marine Life Rescue team lead the rescue effort. They hope to be able to release the whale in as deep water as possible, but only if it is in good enough health. If the whale is considered to be in too weak a condition to survive, it may be euthanised, experts have said.

The rescue mission is being filmed by television crews, including from helicopters, and broadcast live onto rolling news channels. Mark Stevens, a member of the British Divers Marine Life Rescue team reported on the situation live on TV using a mobile phone, direct from the scene where he was standing in the water. At one point he asked the BBC to tell their helicopter to fly higher, as the noise made the whale’s breathing rate temporarily go up.

The whale sightings have captivated the British public, with spectators lining the banks of the Thames to take photographs and try and spot the whale. However, the inital surprise at seeing the whale soon turned to concern as experts fear for the whale’s long term health. Initial plans to transfer the whale from the barge “Crossness” to a deep-sea ship have been abandoned as the condition of the whale deteriorates, but it is still hoped to release the whale in the Thames estuary.

Rescue teams try to save London whale
»

  • Filed under:
    • Uncategorized

Helpful Hints And Dental Tips For Good Oral Health

  • Posted on July 5, 2019 at 1:32 am

Helpful Hints and Dental Tips For Good Oral Health

by

DARRAN SIMMONS

Visiting a dentist can be a very nerve-wracking experience. However, there is no reason to feel nervous if you properly care for your teeth. Continue reading to learn fantastic tips that you can make part of your daily oral health routine.

Does tarter build up on your teeth quickly? If so, invest in anti-tartar toothpaste. Carefully brush the areas that are hard to reach. It\’s crucial that you make regular appointments with your dentist, so that he or she can remove it before it becomes a bigger problem.

There are alternatives to mint toothpaste if you don\’t really like the taste. A simple search of your local store will turn up a wide variety of flavor options. Find a flavor you can agree on, or ask for suggestions from the dentist.

YouTube Preview Image

In order to find a quality dentist you should speak with people who you trust, such as a family member or friend. It can help you decide who you will like best if you get reports from people who have already used the dentist. They can tell you what his personality is like, what his dental practices are, and how much training he has. Go to the dentists your friends recommend to see for yourself, and also look up additional reviews on the Internet.

Monitor the position of your gum line. This is where your teeth are the most vulnerable because it\’s where your nerves start. If early cavities are not attended to, a root canal may result. Make sure you carefully observe this area, and if you notice any pain, discoloration or other changes, immediately let your dentist know.

Floss before brushing, not after. Problems tend to show up between teeth, so it is good to start there. If you have issues with regular floss, look at your drug store for the flossing tools they have. Since they are disposable, they are also hygienic.

You must floss at least once per day. Flossing properly is important. Use the floss to dislodge leftover pieces of food that have become stuck in between your teeth. Move that floss back and forth. Don\’t allow your floss to slide under your gums. Instead, keep it at your gum line. Gently remove any debris found between your teeth.

If you cannot afford dental work, you should ask your dentist if you can pay in several installments. Some dentists have their own installment plans, while others finance procedures through third parties. This will help you get the dental work you need immediately instead of saving up and prolonging the issue.

When brushing, it is better to brush from your gums down or up, depending on the teeth. This makes sure you can pull out all of the debris stuck between teeth and gums. You can scrub sideways, but you also need to scrub up and down.

It can be difficult finding information regarding dental care problems, but this article should have helped you. There are many aspects of dental care such as seeking out the right dentist and undergoing a variety of procedures. Use what you have learned here, and be more healthy.

Contact us today and discover just how much difference a professionally orchestrated Dental Marketing campaign will push your Medical Practice forward in 2013. As professionals who already represent a number of Dental Surgies and Practices across the United States of America, we understand your business and have hold a successful and proven track record in helping both Practices and individual Dentists finding new business leading to an increase in their business, quickly and successfully. Call us now and enjoy a prosperous 2013 and an expanding Practice with our

Dental Marketing

. If you would like to know more about all forms of Marketing for Dentists, contact us today.

Article Source:

ArticleRich.com

Singer Aretha Franklin, ‘queen of soul’, dies aged 76

  • Posted on July 3, 2019 at 1:02 am

Saturday, August 18, 2018

US soul singer Aretha Franklin died in her Detroit, Michigan home on Thursday morning, her publicist Gwendolyn Quinn stated on behalf of the family. According to the statement, the official cause of death was pancreatic cancer.

Per the statement, Franklin died at about 9:50 am local time, “surrounded by family and loved ones. In one of the darkest moments of our lives, we are not able to find the appropriate words to express the pain in our heart. We have lost the matriarch and rock of our family. The love she had for her children, grandchildren, nieces, nephews, and cousins knew no bounds.”

Aretha Louise Franklin was born in Memphis, Tennessee on March 25, 1942. After some time in Buffalo, New York, the family settled in Detroit around 1946. Her father was a preacher, and Aretha sang solos at his church when she was 10. Her mother died that year, having left the family four years earlier. Aretha had her first son before age 13, and recorded gospel music at 14. She contracted in 1956 to JVB Records, with her father’s help, then in 1960 to Columbia Records, and in 1966 to Atlantic Records. At Atlantic she focused on soul and rhythm and blues (R&B), and was highly successful. She acquired the nickname “the Queen of Soul” in 1967. Over the next seven years she was 33 times on the R&B Top Ten list. One of her signature songs, Respect, won her the Grammy Award for best R&B performance in 1968, and she won best R&B performance every year from then through 1975. In 1987 she became the first woman in the Rock and Roll Hall of Fame.

Franklin’s musical career resurged in the 1980s. Her last number-one hit was a 1987 duet with British singer George Michael, I Knew You Were Waiting (for Me). Her last public performance was in November of last year, at an Elton John AIDS Foundation event in New York City. As of June last year, according to Billboard, she was working on an album of collaborations with others, mentioning Stevie Wonder, Elton John, and Lionel Richie.

Franklin’s career was entwined with the civil rights movement. Her father’s politics brought her in contact with Martin Luther King Jr., with whom she toured in the late 1950s. Her father was involved in organizing the 1963 Detroit Walk to Freedom with King, and when King was assassinated in 1968, she sang at his funeral. Respect, and others of her songs, became anthems for the civil rights and feminism movements. She told Vogue magazine in 2015 she didn’t record Respect for a political movement; “Not just me or the civil rights movement or women — it’s important to people. And I was asked what recording of mine I’d put in a time capsule, and it was Respect. Because people want respect — even small children, even babies. As people, we deserve respect from one another.”

She sang at Barack Obama’s 2009 inauguration as President of the United States. On her death, Barack Obama tweeted, “Aretha helped define the American experience. In her voice, we could feel our history, all of it and in every shade — our power and our pain, our darkness and our light, our quest for redemption and our hard-won respect. May the Queen of Soul rest in eternal peace.”

Aretha Franklin is survived by sons Clarence, Edward, Ted, and Kecalf.

Singer Aretha Franklin, ‘queen of soul’, dies aged 76
»

  • Filed under:
    • Uncategorized