CFPB records fewer complaints in early days of US government shutdown
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CFPB records fewer complaints in early days of US government shutdown

Tuesday, October 8, 2013

Unlike some parts of the US Federal Government, the Consumer Financial Protection Bureau (CFPB) has been open during the federal government shutdown and recording a record-low number of complaints submitted by consumers against mortgage companies, credit card companies, student loan providers, banks, money transfer providers, companies who provide credit reports, and other companies providing consumer loans.

With data not available for yesterday, the first four days of the shutdown had daily totals of 37, 16, 13, and 3 complaints. With the exceptions of September 29 with 15 complaints and September 28 with 23, it is the lowest daily total since March 16 of this year when 36 total complaints were recorded and February 23 of this year with 14. The total complaints are also down from the same dates last year, when the total complaints per day for the first four days of October 2012 were 272, 298, 288, and 225.

Of the 69 filed complaints recorded so far this month, 27 were complaints about mortgage companies, 21 were about bank accounts and 10 were about credit card companies. 40% of credit card companies complaints, 42.9% of bank account complaints and 48.1% of mortgage complaints are currently listed as still in progress. Most of the rest have been closed with an explanation.

Bank of America leads all companies in terms of total complaints filed this month with 9. Bayview Loan Servicing, LLC andJPMorgan Chase have 7 complaints each. Ally Bank, Sovereign Bank, and Wells Fargo have 4 each. Flagstar Bankand Equifax have 3 each. Citibank, Nationstar Mortgage, TD Bank, Amex, and FirstMerit Bank have 2 complaints each. 18 financial services companies have 1 complaint each filed against them.

During the government shutdown, some CFPB staff have voiced their opinions on Twitter. Dan Munz, deputy assistant director for consumer engagement at the CFPB, tweeted, “Boy, shutdown week has really created a sudden bumper crop of amateur federal management experts.”; “Also, seems like Boehner is singlehandedly undoing whatever progress he’d made in portraying this as a Dem [Democratic Party] shutdown.”; and “Basically, there’s now a strong incentive to fill legislation with minor symbolic things you can bargain away later to protect the core.”

The agency has been able to stay open during the government shutdown because it is funded by the Federal Reserve. According to Amanda Terkel at the Huffington Post, Republican members of the United States House of Representatives have put closing the CFPB on their wish list of items in negotiating for a new debt ceiling limit. Party members have previously stalled the appointment of Richard Cordray as the CFPB boss as a way of hindering it from engaging in oversight of financial organizations in the the US.

Setting The Standard – The Auto Glass Safety Council

bytimothyharvard

When you get your windshield replaced on your car, SUV or truck in Seattle, it’s important to make sure that the Auto Glass Seattle work is done to the highest possible standards. Vehicle safety experts regard the windshield as one of the three most important safety components of the car. In the event of a collision, the windshield provides 70% of the support to the roof, preventing it from crumpling down onto the occupants of the vehicle. If it has not been correctly fitted, the windshield will simply pop out, robbing your car of vital structural integrity. Equally importantly, in modern cars, the windshield provides the back support for the airbags. If your windshield fails to function correctly, their airbags will also fail to provide the vital protection you need.

The Auto Glass Safety Council (previously known as the Automotive Glass Replacement Safety Standard or AGRSS Council), is a non-profit organization that is accredited by the American National Standards Institute (ANSI). They developed the standards and procedures for safe and secure auto glass replacement. They also provide training and certification to ensure that technicians are aware of the correct procedures and that companies providing auto glass replacement services in Seattle adhere to them. All registered companies and technicians are obliged to follow their code of ethics.

Companies registered with the Auto Glass Safety Council are required to demonstrate that their technicians are trained and certified, and that their work reaches all safety standards. The Auto Glass Safety Council provides two levels of certification for auto glass technicians.

* Certified Auto Glass Technician: must demonstrate knowledge of Occupational Safety & Health Administration (OSHA) procedures, National Auto Glass specifications and custom cutting of laminated parts.* Certified Master Auto Glass Technician: must have had a minimum of three years as a certified auto glass technician, and also be able to demonstrate competence with electrical testing, and working on sunroofs, wind noise, water leaks, and all current regulations in the auto glass industry as well as employee safety.

The important thing for Seattle consumers to realize is that auto glass companies and technicians are not obliged to be members of the Auto Glass Safety Council or to follow its recommended procedures. It is a purely voluntary organization. If you have work done by a non-accredited company, you have no assurances that your windshield is being fitted correctly. This means you could potentially be risking your life. Always check to make sure that your selected company has been certified by the Auto Glass Safety Council and that the technician has completed the full training.

Glass Doctor of Seattle are proud that to provide auto glass repair services that adhere to the strict standards of the Auto Glass Safety Council.

Airborne sedan smashes into dental office in Santa Ana, California, US
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Airborne sedan smashes into dental office in Santa Ana, California, US

Tuesday, January 16, 2018

A car accident involving the car occupants and a dentist’s office happened on Sunday night in Santa Ana, California. A white Nissan sedan which was apparently driving too fast hit the raised concrete median on the road, after which it was launched into the air, slamming straight into the wall of the second floor of a two-story dental practice building, where the car got wedged.

According to the police, the car approached from a side street. The room of the dental office penetrated by the sedan was used as a storage space. A fire department crane was used to extract the vehicle from the building, which took several hours.

There were two people in the sedan. One of them managed to escape from the hanging vehicle on his own, while the other one remained trapped inside it for over an hour. They were both hospitalized with minor injuries, according to the Orange County Fire Authority (OCFA). According to the police, the driver of the car admitted narcotics use, and after toxicology tests the case is to be submitted to the Orange County District Attorney’s Office.

The moment of the accident was captured by surveillance video from a bus which the car narrowly missed when becoming airborne.

According to OCFA spokesperson Captain Stephen Horner, there was a small fire after the crash, which was extinguished quickly.

Puerto Rico power company cancels US$300 million Whitefish contract
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Puerto Rico power company cancels US$300 million Whitefish contract

Monday, October 30, 2017

At the request of Puerto Rico Governor Ricardo Rosselló, the Puerto Rican Electric Power Authority (PREPA) yesterday announced it has cancelled a US$300 million contract with a Montana-based company called Whitefish Energy Holdings amid concerns it may have been awarded improperly and the prices may be unusually high. Whitefish was to have rebuilt parts of the United States commonwealth’s energy infrastructure, which was recently destroyed when Hurricane Maria struck the island.

According to Whitefish spokesperson Chris Chiames, Whitefish was “very disappointed” and may consider a lawsuit. He also said about 350 Whitefish employees have been working on Puerto Rico for the past month, and their efforts will restore power to much of San Juan soon. He noted, “We will certainly finish any work that [PREPA] wants us to complete and stand by our commitments.” According to Governor Rosselló, Whitefish has already been paid eight million dollars.

The U.S. Federal Emergency Management Agency (FEMA) questioned whether the prices negotiated were reasonable and how Whitefish came to be awarded the contract. Whitefish is two years old, when the contract was signed only two people worked for it full-time, and it has connections to the current U.S. Secretary of the Interior. According to PREPA head Ricardo Ramos, FEMA approved the Whitefish deal, but FEMA officials said they did not.

Whitefish is based in the town of Whitefish, Montana, the hometown of Ryan Zinke, who is currently serving as U.S. Secretary of the Interior in the administration of the US President Donald Trump. Zinke and Andy Techmanski, Whitefish’s chief executive, are acquaintances, and Zinke’s son worked for Whitefish one summer. The founder of one of Whitefish’s financial backers, HBC Investments, has made nontrivial campaign contributions to Republicans and specifically to Trump.

Zinke told the public, “I had absolutely nothing to do with Whitefish Energy receiving a contract in Puerto Rico[…] Any attempts by the dishonest media or political operatives to tie me to awarding or influencing any contract involving Whitefish are completely baseless.”

Zinke also posted online, “Only in elitist Washington DC would being from a small town be considered a crime.”

The head of the U.S. House of Representatives natural resource committee, Republican Rob Bishop, has sent PREPA a letter requesting documentation of the deal and an explanation of the means by which it was made.

Maria Cantwell, a Democrat serving on the Senate Committee on Energy and Natural Resources called for “an investigation to determine how we got into this situation in the first place,” saying “taxpayers should pay a fair rate for the emergency repairs Puerto Rico desperately needs, […] not be gouged by Whitefish Energy or anyone else.”

According to the Associated Press, in one copy of the Whitefish contract, each employee would be paid a US$80 food allowance each day, and US$1000 each time they fly to or from the mainland U.S., with hourly pay rates for foremen, linemen and mechanics in the hundreds of dollars.

The federal control board in charge of Puerto Rico’s finances recently said they had appointed retired Air Force Colonel Noel Zamot to oversee the restoration of Puerto Rico’s power infrastructure, but Governor Rosselló said Puerto Rico’s own government is responsible for the power company, which has debts in the billions.

The category 4 Hurricane Maria struck Puerto Rico several weeks ago with high winds and intense rain. About 70% of Puerto Rico still has no electricity.

Puerto Rico was colonized by Spain and came under U.S. control in the Spanish-American War in 1898, along with Guam and the Philippines. Every person born in Puerto Rico is a United States citizen by birth. Puerto Rican residents do not participate in national elections, and have a non-voting representative in the U.S. congress. Mostly, they are exempt from federal income tax but not other federal taxes.

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Category:Education
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Category:Education

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FEMA accused of misusing trained disaster workers as public-relations workers
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FEMA accused of misusing trained disaster workers as public-relations workers

Monday, September 12, 2005

The Federal Emergency Management Agency (FEMA) is being criticized for misallocation of personnel in the wake of Hurricane Katrina. FEMA representatives said they requested volunteers from fire departments around the U.S., to handle its community relations campaign. However, a document FEMA sent to local fire departments asked for firefighters with very specific skills and who were capable of working in “austere conditions”. Fire departments around the nation responded by sending crews to the FEMA staging ground in Atlanta. Some of these crews were unaware that they were only going to be used for public relations work. Others, however, merely hoped that FEMA would allocate them to rescue and damage control operations once it saw their qualifications.

The firefighter’s objections are particularly poignant as one of FEMA public relations training seminars coincided with New Orleans Mayor Ray Nagin plea for firefighters on national television, to relieve his own exhausted crews. It is unclear if FEMA’s request for firefighters prevented any municipalities from responding to Mayor Nagin’s request.

Some firefighters have objected to their use as FEMA public relations officers because their municipalities must bear the cost of their salaries, as well as endure reduced firefighting capacity. FEMA has stated that it sought to use firefighters to avoid background checks required of federal employees.

Firefighters began receiving their assignments Monday, September 5th. Among these was a crew of 50 assigned to tour the devastated areas with President Bush and the press.

Project Management A Modern Profession

Project Management A Modern Profession

by

M Symonds

Most medium and large organisations will have become used to projects of one sort or another being part of their daily business. Many of those organisations have also developed a commitment to improving the success rate of their projects because they have experienced first hand what happens when an individual is assigned to managing projects with no prior training and, worse, when there are no formal processes or controls in place and it isn t success. Large organisations tend to have an understanding of the benefits of some rigour within the project management process through trial and error. They recognise that allowing a member of staff to drift into project management does not always deliver the best outcome. For these reasons they support a formal framework for managing projects which might be an internationally recognised methodology such as PRINCE2, APM or PMP, or an internal approach developed over some years and tailored to a company s specific needs.

Of course, project vary enormously in their size and complexity even within the same organisation but are still fundamentally about managing a series of tasks, the people and other resources required with the aim of delivering an end-result that provides a substantial business benefit to the company a benefit that would, or should, have been defined at the outset of the project.

Unfortunately, the ideal of project management frequently does not live up to the realities particularly in complex projects and projects are becoming more complex as technology improves at such a rapid rate. There are great success stories but also many less-than-successful projects let s not call them failures because failing projects often end up being altered in some way so that they can be considered successful .

[youtube]http://www.youtube.com/watch?v=JQxcQt9WaaA[/youtube]

But all organisations want to improve the genuine success rate of their projects, which is why more and more of them are investing in the training and recognition of their project managers. Well-trained project managers with globally recognised qualifications are more motivated to succeed and build their careers. But recognition of professionalism is not just about training and qualifications it is also about continuous professional development and the ability to demonstrate the skills necessary to competently manage complex projects.

With the introduction of advanced professional credentials such as the Registered Project Professional (RPP) credential from the Association for Project Management (APM) there is now recognition available for experienced project managers on a par with the well-established professions such as accountancy and law. By defining strict criteria concerning previous project management experience, the APM RPP is an indication that a project manager is a highly competent manager able to deliver complex projects using the appropriate processes and tools.

Just as chartered status in traditional professions gives a client confidence in the abilities of the professional so registered status in the modern profession of project management instils the same confidence in clients and employers. With the APM RPP effectively a step towards the project management profession gaining chartered status it will cement project management as a recognised profession and do much to negate the effects of the well-publicised and high-profile failures that have occurred in recent projects.

And maybe one day the

project management

profession will be as highly-regarded as law or accountancy and be just as attractive a career path.

The author is a qualified PRINCE2 Project Manager and believes professional

project management

training is essential for every project manager.

There is a wide range of professional training available leading to PRINCE2 and

PMP Qualifications

or

APMP Accreditation

.

Article Source:

ArticleRich.com

Doctor robbed, car-jacked and locked in boot while car set alight
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Doctor robbed, car-jacked and locked in boot while car set alight

Monday, March 19, 2007

A 34 year old obstetrician from Forestville on Sydney’s Northern Beaches has escaped after he was robbed, car-jacked and locked in the boot (trunk) of his BMW, which was set alight. Police say the doctor was locked in the boot while his car was set alight, but was allowed to escape before flames engulfed the vehicle.

The Doctor was believed to have been heading to The Mater Hospital in North Sydney when he was waiting at the intersection of West and Falcon Streets in Chatswood around 3:15AM AEDT when a small red sedan with two men claiming to be police officers signalled him to stop. After crossing the intersection, the doctor stopped his car at the side of the road.

The doctor was then approached by the two men and when he asked to see identification, one man grabbed the keys from his car’s ignition before they both pulled the doctor out of his vehicle, hit him in the stomach with a hammer and stole his mobile phone and wallet. The robbers also demanded his key and credit cards along with their access codes before locking him in the boot.

Police allege that the men drove to several locations to withdraw cash and buy things before driving to Carisbook Street in Linley Point at around 4 a.m. local time where they set the car alight with the doctor still in the boot.

Crime Manager of the Harbourside Local Area Command, Detective Inspector Houlahan said that the doctor then “heard a click in the boot area and he heard someone call out: ‘Get out of the car'”

“When he pushed the boot up he found his car engulfed in flames.”

Det. Insp. Houlahan said the doctor told police he did not unlock the boot himself, and it appeared the man’s captors unlocked it before fleeing.

Det Insp Houlahan said that the doctor appeared to be “very distraught” and tired after the ordeal, and wanted to get home and see his wife and two young daughters.

He could only provide police with a vague description of his captors, but said the men were both Caucasian males aged in their 20s, and that one of them was about six feet tall (183cm) with short blond hair and medium build said Det. Insp. Houlahan.

Princeton report questions electronic voting machine security
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Princeton report questions electronic voting machine security

Saturday, September 16, 2006

Researchers at Princeton University have conducted research into the security of electronic voting machines. They have created a virus that could breach voting machines and change votes. The creators of the voting machine say the research was unrealistic.

Edward William Felten, a professor of computer sciences and public affairs at Princeton University, and two Princeton graduate students, Ariel Feldman and Alex Halderman, created a computer virus that they say could remain concealed in tests, “steal” votes, delete itself to go undetected and spread to other machines.

They used a Diebold AccuVote-TS which is a small computer with a touch screen. The latest version of the software used 128-bit data encryption, digitally signed memory card data, secure socket layer (SSL) data encryption for transmitting results and dynamic passwords.

They opened the drawer with a key, picked the lock or undid screws to open the compartment that allows them to change the memory card. They suppressed the beep created by the computer when it reboots by using headphones. They say the virus can spread by using the same memory card which when inserted into a different machine will infect the machine.

The researchers say they received the machine they tested on from someone who wants to keep their name anonymous.

“You have to be a good programmer — not a genius — to do this,” Halderman said. “I believe a good programmer could reproduce our virus without very much effort.”

“Analysis of the machine…shows that it is vulnerable to extremely serious attacks,” the report states. “An attacker who gets physical access to a machine or its removable memory card for as little as a minute could install malicious code.”

Diebold Election Systems president Dave Byrd said that the research was done with security software that were two generations old.

“By any standard–academic or common sense–the study is unrealistic and inaccurate,” he said in a statement.

“Normal security procedures were ignored. Numbered security tape, 18 enclosure screws and numbered security tags were destroyed or missing so that the researchers could get inside the unit. A virus was introduced to a machine that is never attached to a network.”

“Every voter in every local jurisdiction that uses the AccuVote-TS should feel secure knowing that their vote will count on Election Day,”

“That’s what they were saying a few years ago,” said Halderman. He said he would very much like to study Diebold’s newer machines and software. “We expect and fear, unfortunately, that if we were to examine the newer version of the software, we could find similar problems.”

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