US Transportation Security Administration “made inaccurate statements” about passenger privacy, says Department of Homeland Security report

Tuesday, March 29, 2005In a report from the Department of Homeland Security released on Friday, March 25, they allege the US Transportation Security Administration “made inaccurate statements” about its management of personal data belonging to passengers. The report claims, “TSA did not ensure that privacy protections were in place” as it handled data transfers to private contractors for use in the development of a computerized passenger screening application, called CAPPS II. While the report criticizes TSA for its inaccurate statements, it notes the “misstatements were apparently not meant to mischaracterize known facts,” but were instead “premised on an incomplete understanding” of the truth.

According to the report, the data at issue described passengers flying on the following airlines: America West Airlines, American Airlines, Continental Airlines, Delta Air Lines, Frontier Airlines, and JetBlue Airways. In most of the problematic transfers, the privacy violation occurred by allowing third parties to access passenger data that was not anonymized. In one case, passenger information was made public on the internet through a presentation prepared by Torch Concepts. According to the report, “Torch Concepts’ subsequent efforts to remove the presentation from the internet have failed.”

In an AP report, Yahoo! News notes that TSA announced the launch of its “Secure Flight” system, saying, “Congress has said the agency can’t proceed with Secure Flight unless the Government Accountability Office reports that the technology ensures privacy and that the data are protected.” The report from the GAO was to be released Monday, March 27, 2005.

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Oil spill hits Australia’s Sunshine coastline

Sunday, March 15, 2009

200,000 litres of oil leaked into waters off the coast of Brisbane from the Pacific Adventurer when their fuel tanks were damaged in rough seas on Wednesday. The figure is about ten times higher than the original estimate of twenty thousand litres of oil. The devastating diesel oil spill has spread along 60 kilometres (37 miles) of the Queensland coast. In addition, 31 containers with 620 tonnes of ammonium nitrate fertiliser flew overboard during the violent storm.

Questions are being asked why the Hong Kong cargo ship was out in seas with nine meter waves caused by Cyclone Hamish, a Category 5 tropical cyclone, as well as why the fertiliser containers were not properly secured. One of the overboard containers ruptured the hull of the Pacific Adventurer, causing between 30 to 100 tonnes of oil to spew from the severely damaged ship.

If the ammonium nitrate mixes with the heavy oil, an explosion could occur. None of the containers have been recovered. Some of these may float, but it is believed that they may have sunk which then may cause algal blooms.

Disaster zones have been declared at Bribie and Moreton Islands, and along the Sunshine coast.

The vessel’s owner, Swire Shipping, reported that a second leak began on Friday, when the ship began listing after docking at Hamilton for repairs. “As full soundings of the vessel’s tanks were being taken at the port to determine how much oil had leaked from the vessel, a small quantity of fuel oil escaped from the Pacific Adventurer,” it stated. The ship was brought upright, and a recovery vessel was used to suck up the oil from the water. The leak produced a 500m-long oil slick down the Brisbane River. Booms were placed around this oil spill so that a skimmer could clean up the second spill.

Swire Shipping could face clean up costs of AU$100,000 a day as well as fines up to AU$1.5million (US$977,000; £703,000) if found guilty of environmental breaches or negligence.

Sunshine Coast beaches are slowly starting to be reopened. The beach of Mooloolaba was still closed following reports of burning sensations from swimmers. 12 beaches remain closed; however, 13 have been reopened.

Over 300 state government and council workers are using buckets, rakes and spades in the clean up effort. Sunshine Coast Mayor Bob Abbott says the majority will be gone by Sunday afternoon. The full environmental impact on wildlife is not yet known. One turtle and seven pelicans have been found covered in oil.

There are concerns that the drinking water of Moreton Island is at risk, as the island uses water from the underground water table near the oil spill site.

“Every bucketload of contaminated sand has to be removed from the island by barge, and each bucketload from a front-end loader weighs about one tonne. It’s just an impossible task,” said Mr Trevor Hassard of the Tangalooma Dolphin Education Centre.

The commercial fishing industry has suffered from the incident. Trawlers won’t resume operations until Sunday evening, and any catches will be tested for human consumption.

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The Tips And Tricks To Save Money While Getting Inward Remittance

Nowadays, everyone is eager to earn money from the comfort of the home. There are many ways and means to earn money easily if you are well-versed in one of the technologies. The writing, video marketing and digital marketing has been proved to be a boon for the people. The people have been receiving handsome amount money with far-less effort and time from the comfort of their home and computer. For many 9 to 5 jobs have been completely obsolete.

If you know some of the technology like website development, design and development then earning some bucks at home can be extremely easy. Writing has a plethora of opportunities in the overseas market. You can search on the Google as to the new technology by which the freelancer gets money. Some of the new comers in the field of freelancing face some problem in the beginning to receive money and even they don’t know as to how to save money from inward remittance.

We will guide you as to how to save money if someonesend money to India from Australia or from any other countries of the world.

Understanding the exchange rate

[youtube]http://www.youtube.com/watch?v=tP_URK0wOgA[/youtube]

If you are a new comer, you may not know as to the exchange rate. Before receiving money you should check the exchange rate on the internet. There are various portals that offers free checking of currency exchange rate. The portal xe.com is highly popular for the checking exchange rate of any countries in the world. If you know the exchange rate, then there is a possibility that no one can cheat you while getting money.

Finding the difference

You should not believe always on the xe.com as it offers only mid-market rate. Sometimes the bank may offer you the best rate than xe.com

Getting money by PayPal

Though PayPal is one of the best ways to remit money and receive money from across the world, it is expensive once it reaches your account. You will be surprised that even you lost almost 7% of the money after receiving money in your account.

Getting money by Western Union

The western union is one of the traditional companies in the world that helps getting money from the international market. Your client maytransfer money to Sri Lanka or my remit it to Singapore Western Union does it very well. If you have demanded 100 USD, then you don’t need to pay extra charges. Your client is likely to bear all.

Receiving money by Wire transfer

Wire transfer is synonymous to bank transfer. It is a kind of electronic money transfer that remits money from one country to another country between 24 hours to 72 hours.

There are many other ways to receive money from the international market as a freelancer. However, you need to check which country is giving you more money. You may get more money for clients in the USA than Singapore since US dollar is more valuable than Singapore. Basically, you can get more money if you work for the clients in Europe, North America and Australia as well. Getting clients from USA, UK, Canada and Australia is easier than other countries.

Ryanair sue Associated Newspapers, Mirror Group

Saturday, August 17, 2013

Irish budget airline Ryanair have added newspaper publishers Associated Newspapers and Mirror Group to their legal targets in a High Court defamation action filed yesterday in Dublin that also targets Channel 4.

The move confirms the carrier’s expression of intent to sue Channel 4 after the UK broadcaster screened Secrets of the Cockpit, a documentary about safety at the airline, on Monday night. Part of the Dispatches series, the show reported on an incident in Spain last year where three Ryanair jets declared fuel emergencies after being diverted to Valencia. Fuel policy was a strong focus for the documentary.

Pilots interviewed for the programme said they felt pressured to save fuel, the cost of which has hit Ryanair’s profits. The Spanish Air Authority described Ryanair flights usually landing with a bare minimum of fuel, in a report the airline dismissed as “manifestly inaccurate and factually untrue”.

Ryanair have also sacked veteran pilot John Goss for appearing on the show, the only pilot interviewed who did not seek anonymity. Ryanair have stated intent to sue Goss and claim he confirmed in the weeks before the show that he had no issues with his employer’s safety. Goss is a member of Ryanair Pilots Group (RPG), which the airline call a union front.

Channel 4 previously promised when threatened with legal action to see Ryanair in court. “We stand by our journalism, and will robustly defend proceedings if they are initiated,” a spokesperson said. The Belfast Telegraph was also sued but the action has been dropped after the Northern Irish publication issued an apology. The paper had published a story titled “Are budget airlines like Ryanair putting passengers at risk?”.

Associated Newspapers are behind The Daily Mail and its online and Sunday variants. Mirror Group publish The Daily Mirror, its Sunday sister, and The People.

Secrets of the Cockpit also examined an RPG poll of 1,000 Ryanair flight crew, dismissed by the airline as part of unionisation efforts. According to the RPG survey almost 90% of respondents said the safety culture was nontransparent. Two-thirds said they felt uncomfortable raising safety issues, with a pilot interviewed by Channel 4 accusing Ryanair of “threats and bullying”. Ryanair had told pilots anybody signing a “so-called safety petition” might be dismissed.

Over 90% of those surveyed wanted a regulatory inquiry, with RPG saying the survey results were passed to the airline and the Irish Aviation Authority (IAA). The IAA has already called the programme a “misguided attack” on Ryanair, saying “Ryanair Plc fully complies with all European and international regulations in all areas of its operations”.

We have been instructed to vigorously prosecute these libel proceedings

The IAA itself was accused of failing to respond to concerns from Ryanair pilots and one interviewee said his “personal belief is that the majority of Ryanair pilots do not have confidence in the safety agencies and that is a pretty critical issue”. The authority responded “The IAA has responded to personal letters and reports from Ryanair pilots, this included several meetings and face-to-face interviews with pilots and their legal and professional representatives.”

Ryanair makes heavy use of zero-hour contracts, which do not guarantee work and which the Irish Airline Pilots’ Association describe as offering some of aviation’s worst employment conditions. RPG chairman Evert van Zwol, also a recent Dutch Airline Pilots Association president, said zero-hour contracts tended to make pilots choose to fly when unwell and keep quiet if they had safety concerns. In 2005 a Polish Ryanair pilot became lost near Rome a few days after attending his son’s funeral, while his Dutch co-pilot was seeing his first experience of navigating severe weather.

In the 2005 incident air traffic control intervened to keep the flight safe from midair collisions. The Polish pilot told Italian investigators he feared losing his job if he took extra time off work. The investigation concluded in 2009 he had been unfit to fly. Ryanair denied he would have been fired for taking time off to recover.

Secrets of the Cockpit also reported that in twelve separate serious incidents data from cockpit voice recorders had been wiped before investigators could access it, which the carrier says is a common occcurrence in aviation and attributed to pilot error.

In Sweden a report into a Ryanair emergency landing concluded this week an airline employee wiped the cockpit voice recorder and flight data recorder to prevent the investigation accessing them. The aircraft had returned to an airport near Stockholm shortly after takeoff suffering electrical malfunctions. Ryanair reject the Swedish Accident Investigation Authority’s take on the missing data, telling newspaper Södermanlands Nyheter recordings were reset by a technician trying to repair the aircraft after consultation with Ryanair’s technical department, who did not think the recordings needed saving.

Ryanair, which has never suffered a fatal accident, says the documentary is “false and defamatory”, and the IAA says it is “based upon false and misleading information”. “We have been instructed to vigorously prosecute these libel proceedings,” said a statement from Ryanair’s lawyers, who promised “other litigation is pending”.

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Historic gym the site of Benet Academy, Illinois victory over Oswego

Monday, January 18, 2010

Benet Academy Redwings 40 34 Oswego Panthers

The Benet Academy Redwings boys basketball team defeated the Oswego High School Panthers 40–34 Saturday night at Benet’s historic Alumni Gym. 

Located at Lisle, Illinois, United States, the gymnasium is home to Benet’s winning streak of 102 consecutive home games. The statewide record lasted from November 26, 1975 until January 24, 1987, when Naperville North High School defeated the Redwings 47–46. Benet also achieved 96 consecutive victories in the Western Suburban Catholic Conference at that time. 

The school continued to use the facility, colloquially referred to as the “Old Gym” or the “Small Gym”, until the end of the 1994 season, when a newer athletic center was built on campus. It wasn’t until the late 1990’s when then-coach Marty Gaughan decided to play one game per year in the Alumni Gym to remind the school of its history. “There is just an electricity, and you feel it when you are in there,” said Gaughan, who coached the team from the 1989–1990 season to the 2007–2008 season. 

This tradition continued until the 2006–2007 season, when the Redwings played against long-time rival St. Francis High School. Renovations prevented the gym from being used for athletic events over the past two seasons. This game was Benet coach Gene Heidkamp’s first opportunity to coach in the older gym. “So much history and winning has taken place there, which makes it so special. It is something the entire school community is excited about,” said Heidkamp. 

Saturday’s game was played at the Alumni Gym at the request of Oswego assistant coach Jim Bagley. He wanted his son, senior forward Chris Bagley, to experience the same atmosphere he had as he played for Benet in the 1978–1979 season. Greg Kwiatkowski was also Jim Bagley’s teammate in Benet, and his son, Joe Kwiatkowski, was in the Panthers’ starting lineup as well. “Two of us who played at Benet together and now our son’s play on [Oswego] together and for them to have a chance to play where we played is going to be a great night and great experience,” said the senior Bagley. 

Alumni Gym apparently still had its charm in the second half for the Redwings, whose 15–17 score at halftime worsened into an 11-point deficit in the third quarter. Benet fell behind with a score of 21–29 at the start of the fourth quarter. From that point, the Redwings’ defense began to kick in. Oswego could make only 2 of its 13 field goals in the third quarter. Benet’s offense also gained momentum as center Frank Kaminsky scored all of his 9 points in the fourth quarter. A shot by senior Mike Runger brought the score to 31–31, and two consecutive driving layups by David Sobolewski gave Benet the lead that would last for the rest of the game. 

“We hit a dry spell there, but let’s give credit where credit is due. Defense wins games and they are the best defensive team we’ve faced all year,” said Oswego coach Kevin Schnable.

Benet’s Matt Parisi led his team with 15 points, and Sobolewski scored 12. Oswego’s Andrew Ziemnik also scored 12. 

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Ex-KGB head Leonid Shebarshin dies at age 77

Sunday, April 1, 2012

Leonid Shebarshin, a retired senior spy who headed the former Soviet Union’s KGB for a day, has apparently killed himself. He celebrated his 77th birthday earlier this week.

Born in 1935, Shebarshin had experience as an agent in India, Pakistan, Iran, and Afghanistan. He was made head of the KGB’s foreign intelligence arm, the First Main Directorate, in 1989 and held the post until 1991.

That year saw a coup by figures including the KGB’s leader Vladmir Kryuchkov against Soviet leader Mikhail Gorbachev. When the coup failed, Shebarshin was appointed Kryuchkov’s interim replacement on August 22. The next day, he was replaced in that role and resigned soon after. The Soviet Union collapsed later that year.

Shebarshin is believed to have left a suicide note before killing himself with a shot to the head from the pistol he was gifted upon retirement, according to media and the local Investigative Committee. His body was found at his Moscow apartment Friday. The gun was nearby.

Shebarshin’s wife has been dead for several years. He is thought to have lived alone in his city centre apartment.

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Forex Trading Book Revealed

There is a significant amount of forex products on the FX market like forex trading systems or forex robots. Various have proven victorious while others have dissatisfied the customers. Anyway, Forex is a long duration competition and a constant marketplace and novel forex products will for all time come and go.

A fresh Forex creation has induced vast curiosity among traders in the most up to date weeks. There were lots of considerations on the area under discussion for this new scheme recently, and here’s why:

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

The product is called the FX Child’s Play. Child’s Play is not a trading robot (as you may possibly think). It is actually a full Forex Trading System. An effective feature of FX Child’s Play approach is the video lesson in the members area that concerns the absolute newborn traders in forex industry. This element is important as forex is not and will not at all be only for high-skilled professionals. Thanks to it, the beginners may slowly start to understand the forex method and initiate building wages. The authors statement is that a little adolescent may still understand the method and that Childs Play exceeds other low-performance and ambiguous systems that craft confusion in your mind.

This composition has its own currency management technique that is largely exposed in film presentations. Entry and exit signals with straightforward to track and predefined exit points are features of this product. All that you will, finally, have to perform is only sit and watch as the swing of earnings is running.

Access to effective preparation videos and to the members area is a substantial benefit of the method but is not the solitary one. A big advantage is that FX Childs Play allows trading many times a day. It uses 3 EMAs and has a personalized indicator. The scheme has been verified as highly precise, quite straightforward and has determined very important profit for traders.

This trading technique is truly matchless. This is a creation all together for daylight traders and for persons whose time is very constrained (9 to 5 workers) as FX Childs Play trades in all time ranges, from 5 min chart to weekly chart. For 9 to 5 people it has been revealed that consuming 5 minutes in the morning and an additional 5 in the late afternoon may well be a sufficient amount. Fx Childs Play System allows trading numerous times each day in restricted timeframes. So you hold total freedom in selecting when and for how much time you perform the trading.

The price for the FX Child’s Play Forex Trading System is maybe a basic element. As in quite a lot of situations high standard forex products as the above one cost 300$ or more, The FX Child’s Play current charge is $99. Members access to complete video training, the Child’s Play trading method itself, email support and other characteristics and advantages are available for this single-time payment. New or experienced forex traders will certainly get money by using this invention.

CoolBrands: New Zealand coolest place in the world

Tuesday, September 26, 2006

New Zealand has been voted the coolest place in the world by United Kingdom brand: CoolBrands.

Coolbrands is owned by a consultancy firm in the UK, called Superbrands. It started in 2001, CoolBrands is a way of telling how ‘cool’ a brand is. Superbrands defines “brands that have become extremely desirable among many style leaders and influencers. They have a magic about them, signifying that users have an exceptional sense of taste and style.”

George Hickton, chief executive of Tourism New Zealand, said: “This win is a vindication of the recent work we’ve put in to the UK market, with the Chelsea Flower Show and our 100% Pure New Zealand advertising campaign ensuring New Zealand stays top of mind with potential travellers.”

“It’s very gratifying to see we are such a desirable destination, especially as this poll includes opinion leaders who can have an real influence on people’s travel choices.” says Mr Hickton. “this is the second award New Zealand has received in the UK this September, with Conde Nast Traveller magazine also voting New Zealand best destination this month.”

Editor of Condé Nast Traveler Magazine, Sarah Miller, called New Zealand a “point of authenticity.” And professional nation brander, Wally Olin, said “New Zealand has been very, very clever. It has turned its disadvantages into advantages.”

“Reaping the benefits of its recent marketing campaign, New Zealand is apparently the hottest place to be,” said the London News.

650 brands were chosen by researchers which were then put before 23 judges and were made available for the public, of which 1,725 people participated in an online survey. Five percent of the original 650 made it to the finals, including Morocco, Maldive and Australia.

New Zealand receives most of its tourists from Australia, closely followed by the UK.

The top ten destinations included:

  1. New Zealand
  2. Morocco
  3. Fiji
  4. Prague
  5. Australia
  6. Maldives
  7. Amsterdam
  8. Brighton
  9. Bahamas
  10. Bermuda
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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

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India: Maharashtra plastic ban comes into force

Monday, June 25, 2018

On Saturday, the plastic ban in the Indian state of Maharashtra came into force. In an attempt to minimise pollution, the state government has introduced a ban on single-use plastics.

The leader of the Yuya Sena political party, Aaditya Thackeray, said on Twitter, “The ban on single use disposable plastic cups, plastic bags, plastic straws, plastic plates and cutlery, styrofoam cutlery and non woven bags”. He added, “these are global issues now and we have taken a step to combat it”.

Plastic pollution has led to the choking of drains, marine pollution and a risk of animals consuming plastics. This year, India’s motto for World Environment Day — June 5 — was “Beat Plastic Pollution”. People violating the plastic ban are to face a fine of 5,000 Indian Rupees (INR) for the first offence. For the second offence, the fine is INR 10,000 and the third time offence is INR 25,000 and a three-month prison term. Deputy municipal commissioner Nidhi Choudhary said, “To weed out corruption, we plan to give inspectors payment gadgets for electronic receipts of the fines”.

The Maharashtra government has given a 90-day period for manufacturers to dispose of existing polyethylene terephthalate (PET/PETE) plastic spoons and plates, while shopkeepers and citizens in general have six months to dispose of plastics. However, the ban does not prohibit plastic usage for wrapping medicines or milk cartons thicker than 50 microns.

The state government had announced the decision for the plastic ban on March 23. According to NDTV’s report, Maharashtra is the eighteenth Indian state to enforce a state-wide plastic ban. Aaditya Thackeray also said, “I congratulate the citizens for making this into a movement, even before the ban was enforceable, giving up single use disposable plastic.”

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