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Sunday, May 11, 2014

The USA Freedom Act, introduced in to the US House of Representatives as HR 3361 and to the US Senate as S. 1599, on Thursday passed out of House Permanent Select Committee on Intelligence and on to the House floor. Foreign Policy reported the bill was “the most aggressive NSA reform bill under consideration in Congress”, however, after amendment, the bill has been questioned for extending the Patriot Act and the reduction of reform to Section 702 of the Foreign Intelligence Surveillance Act.

The USA Freedom Act had the stated goal of ending the bulk collection of Americans’ metadata, ending the secret laws created by the FISA court, and introducing a “Special Advocate” to represent public and privacy matters before the FISA court.

In May 2014, the US House Judiciary Committee posted a “Manager’s Amendment” on its website. Title VII of the Amendment read “Section 102(b)(1) of the USA Patriot Improvement and Reauthorization Act of 2005 (50 U.S.C. 1805 note) is amended by striking ‘June 1, 2015’ and inserting ‘December 31, 2017′”, extending the USA PATRIOT Act through the end of 2017. A number of organizations have taken stances against the Patriot Act, for example, the American Library Association became so concerned it urged its members to defend free speech and protect patrons’ privacy against the Act.

According to Deputy Attorney General James Cole, even if the Freedom Act becomes law, the NSA could continue its bulk collection of American’s phone records. He explained that “it’s going to depend on how the [FISA] court interprets any number of the provisions” contained within the legislation. Jennifer Granick, Director of Civil Liberties at Stanford Law School, stated:

The Administration and the intelligence community believe they can do whatever they want, regardless of the laws Congress passes, so long they can convince one of the judges appointed to the secretive Foreign Intelligence Surveillance Court (FISC) to agree. This isn’t the rule of law. This is a coup d’etat.

Cynthia Wong of Human Rights Watch (HRW) expressed concern that “the bill does not address needed reforms to surveillance programs that affect millions of people outside US borders.” This being a key problem that plagues US surveillance activities according to HRW.

Mike Rogers, a defender of the NSA’s surveillance practices and the chairman of the House Intelligence Committee, called the proposed amendments a “huge improvement”. On the other hand, USA Freedom Act co-author and Senate Committee on the Judiciary Chairman Patrick Leahy commented that he “remain concerned that the legislation approved today does not include some of the important reforms related to national security letters, a strong special advocate at the FISA Court, and greater transparency. I will continue to push for those reforms when the Senate Judiciary Committee considers the USA FREEDOM Act this summer.”

Saturday, April 4, 2009

Noam Chomsky is a professor emeritus at Massachusetts Institute of Technology in Linguistics and Philosophy. At the age of 40 he was credited with revolutionizing the field of modern linguistics. He was one of the first opponents of the Vietnam War, and is a self described Libertarian Socialist. At age 80 he continues to write books; his latest book, Hegemony or Survival, was a bestseller in non-fiction. According to the Arts and Humanities Citation Index Professor Chomsky is the eighth most cited scholar of all time.

On March 13, Professor Chomsky sat down with Michael Dranove for an interview in his MIT office in Cambridge, Massachusetts.

((Michael Dranove)) I just wanted to know if you had any thoughts on recent NATO actions and the protests coming up at the 60th NATO conference, I know you’re speaking at the counter-conference.

Could be I give so many talks I can’t remember (laughs).

On the NATO conference, well I mean the obvious question is why should NATO exist? In fact you can ask questions about why it should ever have existed, but now why should it exist. I mean the theory was, whether you believe it or not, that it would be a defensive alliance against potential Soviet aggression, that’s the basic doctrine. Well there’s no defense against Soviet aggression, so whether you believe that doctrine or not that’s gone.

When the Soviet Union collapsed there had been an agreement, a recent agreement, between Gorbachev and the U.S government and the first Bush administration. The agreement was that Gorbachev agreed to a quite remarkable concession: he agreed to let a united Germany join the NATO military alliance. Now it is remarkable in the light of history, the history of the past century, Germany alone had virtually destroyed Russia, twice, and Germany backed by a hostile military alliance, centered in the most phenomenal military power in history, that’s a real threat. Nevertheless he agreed, but there was a quid pro quo, namely that NATO should not expand to the east, so Russia would at least have a kind of security zone. And George Bush and James Baker, secretary of state, agreed that NATO would not expand one inch to the east. Gorbachev also proposed a nuclear free weapons zone in the region, but the U.S wouldn’t consider that.

Okay, so that was the basis on which then shortly after the Soviet Union collapsed. Well, Clinton came into office what did he do? Well one of the first things he did was to back down on the promise of not expanding NATO to the east. Well that’s a significant threat to the Soviet Union, to Russia now that there was no longer any Soviet Union, it was a significant threat to Russia and not surprisingly they responded by beefing up their offensive capacity, not much but some. So they rescinded their pledge not to use nuclear weapons on first strike, NATO had never rescinded it, but they had and started some remilitarization. With Bush, the aggressive militarism of the Bush administration, as predicted, induced Russia to extend further its offensive military capacity; it’s still going on right now. When Bush proposed the missile defense systems in Eastern Europe, Poland and Czechoslovakia, it was a real provocation to the Soviet Union. I mean that was discussed in U.S arms control journals, that they would have to regard as a potential threat to their strategic deterrent, meaning as a first strike weapon. And the claim was that it had to do with Iranian missiles, but forget about that.

Take say on Obama, Obama’s national security advisor James Jones former Marine commandant is on record of favoring expansion of NATO to the south and the east, further expansion of NATO, and also making it an intervention force. And the head of NATO, Hoop Scheffer, he has explained that NATO must take on responsibility for ensuring the security of pipelines and sea lanes, that is NATO must be a guarantor of energy supplies for the West. Well that’s kind of an unending war, so do we want NATO to exist, do we want there to be a Western military alliance that carries out these activities, with no pretense of defense? Well I think that’s a pretty good question; I don’t see why it should, I mean there happens to be no other military alliance remotely comparable — if there happened to be one I’d be opposed to that too. So I think the first question is, what is this all about, why should we even be debating NATO, is there any reason why it should exist?

((Michael Dranove)) We’ve seen mass strikes all around the world, in countries that we wouldn’t expect it. Do think this is a revival of the Left in the West? Or do you think it’s nothing?

It’s really hard to tell. I mean there’s certainly signs of it, and in the United States too, in fact we had a sit down strike in the United States not long ago, which is a very militant labor action. Sit down strikes which began at a significant level in the 1930’s were very threatening to management and ownership, because the sit down strike is one step before workers taking over the factory and running it and kicking out the management, and probably doing a better job. So that’s a frightening idea, and police were called in and so on. Well we just had one in the United States at the Republic Windows and Doors Factory, it’s hard to know, I mean these things are just hard to predict, they may take off, and they may take on a broader scope, they may fizzle away or be diverted.

((Michael Dranove)) Obama has said he’s going to halve the budget. Do you think it’s a little reminiscent of Clinton right before he decided to institute welfare reform, basically destroying half of welfare, do you think Obama is going to take the same course?

There’s nothing much in his budget to suggest otherwise, I mean for example, he didn’t really say much about it, about the welfare system, but he did indicate that they are going to have to reconsider Social Security. Well there’s nothing much about social security that needs reconsideration, it’s in pretty good financial shape, probably as good as it’s been in its history, it’s pretty well guaranteed for decades in advance. As long as any of the famous baby boomers are around social Security will be completely adequate. So its not for them, contrary to what’s being said. If there is a long term problem, which there probably is, there are minor adjustments that could take care of things.

So why bring up Social Security at all? If it’s an issue at all it’s a very minor one. I suspect the reason for bringing it up is, Social Security is regarded as a real threat by power centers, not because of what it does, very efficient low administrative costs, but for two reasons. One reason is that it helps the wrong people. It helps mostly poor people and disabled people and so on, so that’s kind of already wrong, even though it has a regressive tax. But I think a deeper reason is that social security is based on an idea that power centers find extremely disturbing, namely solidarity, concern for others, community, and so on.

The fundamental idea of Social Security is that we care about whether the disabled widow across town has food to eat. And that kind of idea has to be driven out of people’s heads. If people have a commitment to solidarity, mutual aid, support, and so on, that’s dangerous because that could lead to concern for other things. Like, it’s well known, for example, that markets just don’t provide lots of options, which today are crucial options. So for example, markets today permit you to buy one brand of car or another. But a market doesn’t permit you to decide “I don’t want a car, I want a public transportation system”. That’s just not a choice made available on the market. And the same is true on a wide range of other issues of social significance, like whether to help the disabled widow across town. Okay, that’s what communities decide, that’s what democracy is about, that’s what social solidarity is about and mutual aid, and building institutions by people for the benefit of people. And that threatens the system of domination and control right at the heart, so there’s a constant attack on Social Security even though the pretexts aren’t worth paying attention to.

There are other questions on the budget; the budget is called redistributive, I mean, very marginally it is so, but the way it is redistributive to the extent that it is, is by slightly increasing the tax responsibility to the extremely wealthy. Top couple of percent, and the increase is very marginal, doesn’t get anywhere near where it was during the periods of high growth rate and so on. So that’s slightly redistributive, but there are other ways to be redistributive, which are more effective, for example allowing workers to unionize. It’s well known that where workers are allowed to unionize and most of them want to, that does lead to wages, better working conditions, benefits and so on, which is redistributive and also helps turn working people into more of a political force. And instead of being atomized and separated they’re working to together in principle, not that humans function so wonderfully, but at least it’s a move in that direction. And there is a potential legislation on the table that would help unionize, the Employee Free Choice Act. Which Obama has said he’s in favor of, but there’s nothing about it in the budget, in fact there’s nothing in the budget at all as far as I can tell about improving opportunities to unionize, which is an effective redistributive goal.

And there’s a debate right now, it happens to be in this morning’s paper if Obama’s being accused by Democrats, in fact particularly by Democrats, of taking on too much. Well actually he hasn’t taken on very much, the stimulus package; I mean anybody would have tried to work that out with a little variation. And the same with the bailouts which you can like or not, but any President is going to do it. What is claimed is that he’s adding on to it health care reform, which will be very expensive, another hundreds of billions of dollars, and it’s just not the time to do that. I mean, why would health care reform be more expensive? Well it depends which options you pick. If the healthcare reforms maintain the privatized system, yeah, it’s going to be very expensive because it’s a hopelessly inefficient system, it’s very costly, its administrative costs are far greater than Medicare, the government run system. So what that means is that he’s going to maintain a system which we know is inefficient, has poor outcomes, but is a great benefit to insurance companies, financial institutions, the pharmaceutical industry and so on. So it can save money, health care reform can be a method of deficit reduction. Namely by moving to an efficient system that provides health care to everyone, but that’s hardly talked about, its advocates are on the margins and its main advocates aren’t even included in the groups that are discussing it.

And if you look through it case after case there are a lot of questions like that. I mean, take unionization again, this isn’t in the budget but take an example. Obama, a couple of weeks ago, wanted to make a gesture to show his solidarity with the labor movement, which workers, well that’s different (chuckles) with the workers not the labor movement. And he went to go visit an industrial plant in Illinois, the plant was owned by Caterpillar. There was some protest over that, by human rights groups, church groups, and others because of Caterpillar’s really brutal role in destroying what’s left of Palestine. These were real weapons of mass destruction, so there were protests but he went anyway. However, there was a much deeper issue which hasn’t even been raised, which is a comment on our deep ideological indoctrination. I mean Caterpillar was the first industrial organization to resort to scabs, strikebreakers, to break a major strike. This was in the 1980’s, Reagan had already opened the doors with the air controllers, but this is the first in the manufacturing industry to do it. That hadn’t been done in generations. In fact, it was illegal in every industrial country except apartheid South Africa. But that was Caterpillar’s achievement helping to destroy a union by calling in scabs, and if you call in scabs forget about strikes, in other words, or any other labor action. Well that’s the plant Obama went to visit. It’s possible he didn’t know, because the level of indoctrination in our society is so profound that most people wouldn’t even know that. Still I think that it’s instructive, if you’re interested in doing something redistributive, you don’t go to a plant that made labor history by breaking the principle that you can’t break strikes with scabs.

((Michael Dranove)) I live out in Georgia, and a lot of people there are ultra-right wing Ron Paul Libertarians. They’re extremely cynical. Is there any way for people on the left to reach out to them?

I think what you have to do is ask, what makes them Ron Paul Libertarians? I don’t happen to think that makes a lot of sense, but nevertheless underlying it are feelings that do make sense. I mean the feeling for example that the government is our enemy. It’s a very widespread feeling, in fact, that’s been induced by propaganda as well.

So pretty soon it will be April 15th, and the people in your neighborhood are going to have to send in their income taxes. The way they’re going to look at it, and the way they’ve been trained to look at it is that there is some alien force, like maybe from Mars, that is stealing our hard earned money from us and giving it to the government. Okay, well, that would be true in a totalitarian state, but if you had a democratic society you’d look at it the other way around You’d say “great, it’s April 15th, we’re all going to contribute to implement the plans that we jointly decided on for the benefit of all of us.” But that idea is even more frightening than Social Security. It means that we would have a functioning democracy, and no center of concentrated power is ever going to want that, for perfectly obvious reasons. So yes there are efforts, and pretty successful efforts to get people to fear the government as their enemy, not to regard it as the collective population acting in terms of common goals that we’ve decided on which would be what have to happen in a democracy. And is to an extent what does happen in functioning democracies, like Bolivia, the poorest country in South America. It’s kind of what’s happening there more or less. But that’s very remote from what’s happening here.

Well I think Ron Paul supporters can be appealed to on these grounds, they’re also against military intervention, and we can ask “okay, why?” Is it just for their own security, do they want to be richer or something? I doubt it, I think people are concerned because they think we destroyed Iraq and so on. So I think that there are lots of common grounds that can be explored, even if the outcomes, at the moment, look very different. They look different because they’re framed within fixed doctrines. But those doctrines are not graven in stone. They can be undermined.

• Additional comments

• On the elite’s view of the poor

• On Fromm‘s alienation of man

Saturday, July 8, 2006

The Russian Beriev 200 airplane leased to the Portuguese Government suffered an accident last Thursday (July 6) afternoon, after one of its engines was damaged.

The accident occurred after a refueling operation at the dam of Aguieira, near Santa Comba Dão. As the aerial firefighting aircraft took off at the end of the refueling maneuver in the water – designated as ‘scooping’ – its “left wing hit the top of the trees and the aircraft suffered some damage” to its fuselage, said Colonel Anacleto dos Santos, director of the Cabinet of Prevention and Investigation of Accidents with Aircraft (GPIAA), to the Portuguese newspaper Correio da Manhã.

While hitting the top of the trees, leaves and some wood entered the left engine, which didn’t blow up, but that had to be turned off and the pilot was forced to release fuel for safety reasons. The release of the fuel started small wildfires across the area, reaching some houses, which were quickly extinguished by firefighters and helitack units of the GNR‘s Intervention, Protection and Rescue Group.

The airplane was able to do an emergency landing at the Monte Real Air Base, where it’s currently operating from, thanks to the flight experience of one of the Russian pilots. When contacted by the Lusa news agency, National Service of Firefighters and Civil Protection, vice-president Lieutenant-Colonel Joaquim Leitão explained that the repairs will be made by the aircraft company and that all the parts necessary to repair the damages will have to come from Russia, by which the solution for the problem will take “some days”.

Lieutenant-Colonel Leitão added that an investigation is in progress to analyse the circumstances under which the accident occurred. And when he was asked if the accident was caused by the limitations of the dam, given the dimensions of the aircraft, he said that the reconnaissance of the area had been performed before the scooping exercises began, and an operation officially kicks off when all the conditions are met.

The final report of the GPIAA will only be concluded in a few weeks but GPIAA director, Colonel Anacleto dos Santos, excluded two of the eventual causes of any aerial accident. “The atmospheric conditions were not adverse and there are no indications of mechanical failure. Everything points to human error.”

On board of the aircraft followed two Russian pilots – one of them still receiving formation – and an Portuguese pilot that was observing the operations.

Two years ago, the Italian authorities tested the Beriev in the same mission type. Having the Portuguese Government sent observers to evaluate the performance of the aircraft. However, some limitations were found in the performing of the Russian aircraft in Italy’s wildfire scenarios. Having the Italian Civil Protection reached the conclusion that the Beriev 200 is not prepared to operate in mountainous terrain.

Saturday, October 7, 2006

In the 2006 World Cup final, Fabien Barthez’s mistake allowed Materazzi to score a decisive goal.The bald keeper, who’ll be remembered for being top-head kissed at the start of each international match by teammate Laurent Blanc, was desperately hoping for revenge against Italy last September in the Stade de France but Grégory Coupet became the #1 rated French football goalkeeper therefore pushing Fabien in retirement announced officially yesterday.

Friday, September 9, 2005

A beta release of the next major version of the Mozilla Foundation‘s web browser, Firefox 1.5 (formerly called “Deer Park”, the codename for Firefox 1.5), is now available for download.

Tuesday, June 27, 2006

A woman with a blood alcohol reading of 0.14 has been arrested and charged after crashing into a police car in Kings Cross, a suburb of Eastern Sydney early this morning.

Police officials claim the 27 year old woman was driving a Volkswagen the wrong way down a one way street when she collided with a police car parked outside Kings Cross Police Station. Following the collision, the woman drove off. Police later found the woman’s car in a nearby alleyway where she and a male were standing.

Both the woman and her companion were taken to Kings Cross Police Station where they were questioned about the incident. While at the station, police conducted a breath test on the woman, which returned a reading of 0.14 – almost 3 times the blood alcohol limit of 0.05 in New South Wales. Further investigation revealed that the woman did not hold a driver’s licence.

The woman was charged with mid-range PCA (driving under the influence of alcohol), driving whilst unlicensed and failing to give particulars after an accident.

The woman was not injured in the accident and the police car suffered only minor damage.

Monday, September 28, 2009

McLaren driver Lewis Hamilton won yesterday’s Formula One Grand Prix at the Marina Bay Street Circuit in Singapore.

Toyota driver Timo Glock took second place after starting seventh on the grid. Previous Singapore GP winner Fernando Alonso took the last spot on the podium for Renault, having started one place ahead of Glock.

Sebastian Vettel came in fourth for Red Bull after a drive-through penalty for speeding in the pit lane. His teammate Mark Webber, suffering from brake trouble, span off and retired on lap 45. Both Toro Rosso cars also retired due to mechanical problems.

Vettel was chased by both Brawns of Jenson Button and Rubens Barrichello, the current leaders of this season. Hamilton’s teammate Heikki Kovalainen secured seventh place for McLaren. The top eight was closed by Robert Kubica of BMW Sauber.

Monday this week saw a conclusion of the “crashgate” scandal around Renault, as the World Motor Sport Council gave the team a two-year suspended ban. This was for a deliberate crash at the 2008 Singapore Grand Prix. Former team boss Flavio Briatore was banned for life from any FIA-sanctioned event and was replaced by Bob Bell on this post and chief engineer Pat Symonds was banned for five years. The Renault team also lost two sponsors this week: ING Group and Mutua Madrileña.

Following the race Jenson Button still leads the Championship with 84 points. Button’s teammate Barrichello is 15 points behind, and Brawn are the leading team with 153 points. Vettel is 10 points behind Barrichello and is the only competitor from another team who has a mathematical chance to win the championship. Red Bull are 42.5 and other teams more than 90 points behind Brawn.

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.

Friday, June 30, 2006

Italy took their chances to take a comfortable win in their Fifa World Cup quarter-final match against Ukraine, Friday.

Gianluca Zambrotta scored the game winner after six minutes and Luca Toni netted a double in the second half to secure a semi-final game with the host nation, Germany.

Zambrotta’s early goal for Italy was a 30 yard low hard swinging drive that beat the Ukraine keeper at his near post.

Italy played a very effective counter attack game ceding 58 per cent of possession to Ukraine while they equalled their opponents creativity in front of goal with seven shots on target.

Ukraine played good football in the second period and while they were still one goal down were unlucky not to net an equaliser. They were up against an Italian defence that had conceded just one goal in the tournament – which was an own goal – and was to complete a third consecutive shut out.

On 48 minutes Gianluigi Buffon made a match-winning save from Maksym Kalinichenko. In the process of tipping the downward header onto the post Buffon head-butted the upright.

As Ukraine upped the pressure Italy captain Fabio Cannavaro then made a crucial winning header clearance as Andiry Shevchenko lurked behind.

When Buffon saved again and Zambrotta cleared off the line from Kalinichenko Ukraine coach Oleg Blohkin rued the missed chances. A minute later an Italian attack led to a corner, taken short Totti’s near-post ball met a diving Toni and it was suddenly 2-0.

Andriy Gusin then connected with a header and hit the crossbar but though the Ukraine effort was vigorous on the day they did not score.

Ten minutes after Toni’s first World Cup goal, Zambrotta dribbled into the penalty area from the left side and passed the ball to Toni who tapped in his second goal from five yards.

An unsung hero of the match was Gennaro Gattuso whose hard work in midfield earned him Fifa’s Man of the Match award.