Archives 2021

Friday, June 16, 2006

Documents found at the hideout of Abu Musab al-Zarqawi revealed al-Qaeda‘s desire to force a war between the U.S. and Iran. The document was translated by Iraqi National Security Adviser Mouwafak al-Rubaie, but the authenticity of the information could not be confirmed to be from al-Qaeda.

The documents reveal that al-Zarqawi was planning to destroy the relationship between the Shi’ite Iraqis and the United States. The document also said the U.S. military was hurting the insurgency by seizure of weapons, disrupting their financial outlets, massive arrests, and training Iraqi security forces.

The translated document said, “Generally speaking and despite the gloomy present situation, we find that the best solution in order to get out of this crisis is to involve the U.S. forces in waging a war against another country or any hostile groups.”

Mowaffaq al-Rubaie said, “These documents have given us the edge over al-Qaeda and (they) also gave us the whereabouts of their network, of their leaders, of their weapons and the way they lead the organization and the whereabouts of their meetings.”

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.

Thursday, October 4, 2007

Bill Bernhardt is running for the Family Coalition Party in the Ontario provincial election, in the Kitchener Centre riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Please note that Bill provided his answers in “ALL CAPS”; due to the time constraints of this election coverage, it remains in this typographic style.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Thursday, December 18, 2008

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Thursday, February 8, 2007

A new version of Canada’s Food Guide was announced by Canadian Health Minister Tony Clement on Feb. 5, 2007. The guide has helped Canadians with healthy eating habits since 1942 but was last updated in 1992. It is the Canadian government’s most-requested publication after income tax forms.

Changes to the Food Guide include:

• a first-time recommendation to include a small amount of unsaturated fat in regular diets;
• physical activity to complement healthy eating;
• advice for some people to take vitamin supplements;
• an advisory to limit foods with excess salt, sugar, fat and calories, which is considered an unprecedented caution regarding junk food.

Sunday, April 24, 2011

An investigation by the United States Coast Guard has concluded the largest oil spill in the history of the petroleum industry was partly the result of a “poor safety culture” aboard the Deepwater Horizon oil rig. The April 2010 explosion aboard the rig, which is located in the Gulf of Mexico, triggered a disaster that led to widespread environmental damage.

The report squarely blames Transocean, which managed the Deepwater Horizon, for being largely responsible for the explosion that claimed eleven lives. The rig had “serious safety management system failures and a poor safety culture,” the report says. Transocean fiercely rejected allegations that crews aboard the rig were badly trained and equipment was poorly maintained.

A slapdash safety environment on Deepwater Horizon would mean equipment was not mended or replaced if it meant losing valuable hours of drilling, the Coast Guard found. Electrical equipment believed to have caused a spark that ignited flammable gas was described as being in “bad condition” and “seriously corroded.” The report found that other deficiencies—improperly assembled gas detectors and emergency equipment; audible alarms switched off because of nuisance false warnings; complacency with fire drills; and poor preparation for dealing with a well blowout—all contributed to the disaster.

Transocean attacked the report’s conclusions and suggested the Coast Guard may have played a role in the disaster. A spokesperson for the company said Deepwater Horizon had been inspected by Coast Guard officials only months before the explosion, officials who said it complied with safety standards. “We strongly disagree with—and documentary evidence in the Coast Guard’s possession refutes—key findings in this report,” the company said.

This week, Deepwater Horizon owner BP launched legal action against Transocean. It also filed a lawsuit against Halliburton, the company that cemented the well, and Cameron, which manufactured the rig’s failed blowout preventer. BP is reportedly seeking to claim US$40 billion in damages, and alleges it has taken a massive financial hit and loss of reputation. In a statement, BP said it filed the lawsuits “to ensure that all parties … are appropriately held accountable for their roles in contributing to the Deepwater Horizon accident”.

In the lawsuit against Transocean, BP claims the company missed signs that a disaster was imminent and that it “materially breached its contractual duties in its actions and inactions leading to the loss of well control, the explosion and the loss of life and injuries onboard the Deepwater Horizon, as well as the resulting oil spill.” Halliburton, BP alleges, was riddled with “improper conduct, errors and omissions, including fraud and concealment” which led to the disaster, and continues to refuse to cooperate with investigators.

Transocean dismissed the lawsuit as “desperate” and “unconscionable,” and announced a countersuit against BP, which it claims was responsible for the disaster “through a series of cost-saving decisions that increased risk, in some cases severely.” Halliburton and Cameron, which is also countersuing, announced they would defend themselves against BP’s allegations.

U.S. President Barack Obama marked the anniversary of the explosion by conceding that although “progress” has been made to ensure the safety of deep water drilling rigs, “the job isn’t done.” Obama’s comments came less than a week after leading experts raised serious questions over the security of deep water drilling as the U.S. government approves more exploration without improving safety measures.

Charles Perrow, a professor at Yale University, said the oil industry “is ill prepared at the least” to deal with another oil spill, despite repeated assurances from the industry and the government, which insists lessons have been learned from the Deepwater Horizon disaster. “I have seen no evidence that they have marshaled containment efforts that are sufficient to deal with another major spill,” he said. “Even if everybody tries very hard, there is going to be an accident caused by cost-cutting and pressure on workers. These are moneymaking machines and they make money by pushing things to the limit.”

However, politicians have insisted they are doing all they can to help clean the coast of oil. “Cleanup efforts in some places are still ongoing, and the full scale of the damage done to our state has yet to be calculated, but the good news is that most all of our fishing waters are back open again,” said Louisiana Governor Bobby Jindal at a press conference. “All of us here today want the entire nation to get the message that Louisiana is making another historic comeback.”

Gulf Coast residents, activists and relatives of the crewmen who were killed in the explosion paused this week for the anniversary of the oil spill’s beginning. A helicopter took the victims’ families from New Orleans to over the site where the rig stood, where it circled. “It was just a little emotional, seeing where they were,” said one victim’s mother. Remembrance services and candlelight vigils were held in the Gulf Coast region, which continues to suffer from the fallout of the catastrophe. The families have expressed anger at BP, who they say is being unfair and slow in paying out compensation from a $20 billion fund.

The area is still heavily affected by the disaster and reconstruction of the seafood industry that once thrived is slow. While tourists are beginning to return to the region, many are angry at BP and the Obama administration over how they handled the disaster. All the fishing waters in the area have now opened again, but people who live in the area remain dissatisfied. “I don’t see any daylight at the end of this tunnel,” one fisherwoman said. “I don’t see any hope at all. We thought we’d see hope after a year, but there’s nothing.”

Thursday, October 22, 2020

U.S. Prohibition Party presidential nominee Phil Collins took some time to answer a few questions about his 2020 presidential campaign from Wikinews accredited reporter William S. Saturn.

Collins is currently chairman of the Prohibition Party. Previously, he served as a trustee of Libertyville Township (Illinois) and as chairman of the Prohibition Party of Illinois. After moving to Nevada, he ran for Mayor of Las Vegas in 2019, and finished in second place overall.  He was not the Prohibition Party’s first choice for the 2020 presidential nomination. In November 2018, the party nominated a ticket of Bill Bayes for President and C.L. Gammon for Vice President. Bayes withdrew in March 2019. Gammon assumed the presidential nomination and the party nominated Collins for Vice President the next month. Gammon withdrew due to health reasons around August 2019 and Collins took over as the presidential nominee. The party picked anti-alcohol activist Billy Joe Parker as Collins’s new running mate.  Parker spoke to Wikinews back in July.

After securing the Prohibition Party presidential nomination, Collins sought the nominations of the American Independent Party (AIP) and the Reform Party for ballot access in California and Florida, respectively. Despite winning the AIP California Presidential Primary in March, Collins lost the nomination to businessman Rocky De La Fuente in August. He also fell short of De La Fuente for the Reform Party presidential nomination in June. Nevertheless, the Prohibition Party has attained ballot access in Colorado, Arkansas, Mississippi, and Vermont.  The last presidential election in which the party appeared on at least four state ballots was in 1984 with nominee Earl Dodge.

The Prohibition Party is the third oldest existing political party in the US, having been established in 1869. It reached its height of popularity during the late nineteenth century. As its name suggests, the party supported the Eighteenth Amendment to the United States Constitution, which banned the sale of alcohol, and resulted in the period known as Prohibition (1919–33).  Since the repeal of Prohibition in 1933, the party has declined.  It stays afloat, in part due to the George L. Pennock Trust established in 1939, which pays the party’s operating expenses. It continues to nominate candidates for president as well.  Wikinews has previously interviewed two of those nominees: 2004 and 2008 presidential nominee Gene Amondson and 2016 presidential nominee James (Jim) Hedges.  Collins makes it three.

With Wikinews, Collins discusses his background, the COVID-19 pandemic and its effect on his campaign, presidential nominations, gridlock, climate change, foreign policy, and race relations.