Category:March 17, 2012
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On average, 55 percent of the annual cost of energy goes toward heating and cooling. For most people, this is a lot of money, although it can never be eliminated, there are ways to keep heating, and cooling costs in check. There is no need to be at the mercy of the weather; a few hours on the weekend are all you need to save on energy costs.
It is not even necessary to drag out the toolbox; there are things that can be done that take no more than a desire to reduce your cost of heating and cooling in Chicago.
These are a few tricks that can help you control the cost of heating and cooling in St Charles. It takes little time and effort to make an appreciable dent in one of your biggest annual household expenses.
As well as a few things you can do, to keep the cost of heating and cooling in St Charles in check, make sure your HVAC system is maintained and serviced regularly. To arrange service, contact Blue Frost Heating & Cooling. Follow us on Google+.
Tuesday, March 29, 2005A team of Australian surgeons yesterday reattached both hands and one foot to 10-year-old Perth boy, Terry Vo, after a brick wall which collapsed during a game of basketball fell on him, severing the limbs. The wall gave way while Terry performed a slam-dunk, during a game at a friend’s birthday party.
The boy was today awake and smiling, still in some pain but in good spirits and expected to make a full recovery, according to plastic surgeon, Mr Robert Love.
“What we have is parts that are very much alive so the reattached limbs are certainly pink, well perfused and are indeed moving,” Mr Love told reporters today.
“The fact that he is moving his fingers, and of course when he wakes up he will move both fingers and toes, is not a surprise,” Mr Love had said yesterday.
“The question is more the sensory return that he will get in the hand itself and the fine movements he will have in the fingers and the toes, and that will come with time, hopefully. We will assess that over the next 18 months to two years.
“I’m sure that he’ll enjoy a game of basketball in the future.”
The weight and force of the collapse, and the sharp brick edges, resulted in the three limbs being cut through about 7cm above the wrists and ankle.
Terry’s father Tan said of his only child, the injuries were terrible, “I was scared to look at him, a horrible thing.”
The hands and foot were placed in an ice-filled Esky and rushed to hospital with the boy, where three teams of medical experts were assembled, and he was given a blood transfusion after experiencing massive blood loss. Eight hours of complex micro-surgery on Saturday night were followed by a further two hours of skin grafts yesterday.
“What he will lose because it was such a large zone of traumatised skin and muscle and so on, he will lose some of the skin so he’ll certainly require lots of further surgery regardless of whether the skin survives,” said Mr Love said today.
The boy was kept unconscious under anaesthetic between the two procedures. In an interview yesterday, Mr Love explained why:
“He could have actually been woken up the next day. Because we were intending to take him back to theatre for a second look, to look at the traumatised skin flaps, to close more of his wounds and to do split skin grafting, it was felt the best thing to do would be to keep him stable and to keep him anaesthetised.”
Professor Wayne Morrison, director of the respected Bernard O’Brien Institute of Microsurgery and head of plastic and hand surgery at Melbourne’s St Vincent’s Hospital, said he believed the operation to be a world first.
Wednesday, February 15, 2006
The remaining three members of the Bali Nine have been sentenced to life in prison by a Denpasar court. Matthew Norman, 19, Si Yi Chen, 20, and Tan Duc Thanh Nguyen, aged 27 were found guilty of exporting narcotics. The court found that the heroin they had been caught with was the same as that found strapped to the bodies of the four others arrested at Denpasar airport.
The Australian Federal Police have been criticised for allowing the Bali Nine to travel to Indonesia, where it was known they could face the death penalty. All nine have now been found guilty and sentenced, with seven receiving life in prison, and the two ringleaders being sentenced to death yesterday.
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Buying a car is a significant milestone in anyone’s life. Putting your keys in the ignition of a vehicle that officially belongs to you is unlike any other shopping experience. But for many individuals, the question of how to finance a used car purchase can linger in the air. If you’re in West Chicago, here are some tips on how you can get one step closer to owning your next car:
Pre-Approval
Pre-approval offers flexibility to car purchasers and peace of mind. Simply by filling out a short online form and clicking a button, you can find out instantly how much lenders are willing to give you for your used car purchase. You can see how much you would need to make in monthly payments, as well as the interest rates available to you. Pre-approved loans can often come with much more competitive interest rates than standard loans, and you’ll be left with much more bargaining power than if you relied on traditional loans. Your pre-approved loan is an efficient way of financing your used car, as well as getting a sense of your budget for long-term.
A Different Kind of Extra Credit
Growing up in school, you may have heard of plenty of opportunities to get extra credit. Well, when it comes to buying a used car, you should have the same second chance. While most West Chicago dealerships won’t help your high school GPA, they can help you get a used car, despite your current financial situation. All you have to do is complete an application online, print out your results, and head to the nearest dealer.
Financing a used car can be as simple as clicking a button. If you are looking to finance through a dealer, contact Hawk Ford of St. Charles near West Chicago at http://www.hawkfordstcharles.com/ and they can give you all of your current options.
Monday, September 3, 2012
London, England— Last Friday, Wikinews interviewed Trischa Zorn, 55-time medal-winner. The U.S. Paralympic swimmer’s haul includes 41 golds.
Zorn discussed a variety of issues, including frustration with the classification system that has disadvantaged some United States swimmers because of what she sees as its subjective nature. She also talked about the increased visibility of the Games, how things have changed from when she started in 1980 to the current 2012 Summer Paralympics. Zorn discussed how sponsorship has evolved from her early time participating, and issues with the Paralympics inside the United States at the present.
This year Zorn was inducted into the International Paralympic Hall of Fame at a ceremony in London. Having last competed in the 2004 Summer Paralympics, if she was swimming today, she would be classified as an S12 swimmer. She currently works for the United States Department of Veterans Affairs, helping returning soldiers adjust to life as civilians.
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.
Monday, March 30, 2009
First becoming famous in her native Ukraine in the 1990s, long-haired self-described “Amazon” Ruslana gained international recognition for winning the 2004 Eurovision Song Contest with her song “Wild Dances,” inspired by the musical traditions of the Hutsul people of the Ukrainian Carpathian Mountains.
In the five years since, Ruslana has decided to use her name and public status to represent a number of worthy causes, including human trafficking, renewable energy, and even the basic concept of democratic process, becoming a public face of Ukraine’s Orange Revolution and later serving in Parliament.
Currently, she is on an international publicity tour to promote her album Wild Energy, a project borne out of a science fiction novel that has come to symbolize her hopes for a newer, better, freer way of life for everyone in the world. She took time to respond to questions Wikinews’s Mike Halterman posed to her about her career in music and her other endeavors.
This is the fifth in a series of interviews with past Eurovision contestants, which will be published sporadically in the lead-up to mid-May’s next contest in Moscow.
Monday, December 17, 2018
A fire occurred on Saturday at Chester Zoo in Cheshire, UK, in a building the zoo says is the largest indoor zoological exhibit in the UK, at 11:30 a.m. local time (UTC). The only injury reported was a case of smoke inhalation. Some of the animals living there died.
Chester Zoo opened in the early 1930s. It is now home to around 21 thousand animals from 500 species. Nearly two million people annually visit Chester Zoo, reportedly the largest annual draw of any zoo in the UK not in London. However, the fire caused it to shut down on Saturday.
The monsoon forest habitat, where the fire occurred, housed, amongst other creatures, crocodiles, orangutans, macaques, and birds. In an attempt to replicate the conditions of South East Asia, it was kept at a temperature of 26.6°C (about 80°F). Reports passed on by witnesses indicated zoo personnel evaluated at least 40 animals from the area. The zoo reopened on Sunday.
Although all the mammals reportedly survived, some of the frogs, insects, and small birds housed there died. The fire spread very quickly and strong winds helped the fire spread so fast. Reports suggested the fire was caused by an electrical fault.