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OpenSync Interview – syncing on the free desktop
November 19, 2018

Friday, May 19, 2006

This interview intends to provide some insight into OpenSync, an upcoming free unified data synchronization solution for free software desktops such as KDE, commonly used as part of the 407-218-2251 operating system.

Hi Cornelius, Armin and Tobias. As you are now getting close to version 1.0 of OpenSync, which is expected to become the new synchronisation framework for KDE and other free desktops, we are quite interested in the merits it can provide for KDE users and for developers, as well as for the Open Source Community as a whole. So there’s one key-question before I move deeper into the details of OpenSync:

What does OpenSync accomplish, that no one did before?

Cornelius:

First of all it does its job of synchronizing data like addressbooks and calendars between desktop applications and mobile devices like PDAs and cell phones.
But the new thing about OpenSync is that it isn’t tied to a particular device or a specific platform. It provides an extensible and modular framework that is easy to adopt for application developers and people implementing support for syncing with mobile devices.
OpenSync is also independent of the desktop platform. It will be the common syncing backend for at least KDE and GNOME and other projects are likely to join. That means that the free desktop will have one common syncing solution. This is something really new.

How do the end-users profit from using synching solutions that interface with OpenSync as framework?

Cornelius:

First, the users will be able to actually synchronize all their data. By using one common framework there won’t be any “missing links”, where one application can sync one set of devices and another application a different one. With OpenSync all applications can sync all devices.
Second, the users will get a consistent and common user interface for syncing across all applications and devices. This will be much simpler to use than the current incoherent collection of syncing programs you need if you have more than the very basic needs.

How does OpenSync help developers with coding?

Cornelius:

It’s a very flexible and well-designed framework that makes it quite easy for developers to add support for new devices and new types of data. It’s also very easy to add support for OpenSync to applications.
The big achievement of OpenSync is that it hides all the gory details of syncing from the developers who work on applications and device support. That makes it possible for the developers to concentrate on their area of expertise without having to care what’s going on behind the scenes.
I have written quite a lot of synchronization code in the past. Trust me, it’s much better, if someone just takes care of it for you, and that’s what OpenSync does.

Tobias:

Another point to mention is the python wrapper for opensync, so you are not bound to C or C++, but can develop plugins in a high level scripting language.

Why should producers of portable devices get involved with your team?

Cornelius:

OpenSync will be the one common syncing solution for the free desktop. That means there is a single point of contact for device manufacturers who want to add support for their devices. That’s much more feasible than addressing all the different applications and solutions we had before. With OpenSync it hopefully will become interesting for manufacturers to officially support Linux for their devices.

Do you also plan to support applications of OpenSync in proprietary systems like OSX and Windows?

Cornelius:

OpenSync is designed to be cross-platform, so it is able to run on other systems like Windows. How well this works is always a question of people actually using and developing for this system. As far as I know there isn’t a real Windows community around OpenSync yet. But the technical foundation is there, so if there is somebody interested in working on a unified syncing solution on Windows, everybody is welcome to join the project.

What does your synchronisation framework do for KDE and for KitchenSync in particular?

Cornelius:

OpenSync replaces the KDE-specific synchronization frameworks we had before. Even in KDE we had several separate syncing implementations and with OpenSync we can get replace them with a common framework. We had a more generic syncing solution in KDE under development. This was quite similar from a design point of view to OpenSync, but it never got to the level of maturity we would have needed, because of lack of resources. As OpenSync fills this gap we are happy to be able to remove our old code and now concentrate on our core business.

What was your personal reason for getting involved with OpenSync?

Cornelius:

I wrote a lot of synchronization code in the past, which mainly came from the time where I was maintaining KOrganizer and working on KAddressBook. But this always was driven by necessity and not passion. I wanted to have all my calendar and contact data in one place, but my main objective was to work on the applications and user interfaces handling the data and not on the underlying code synchronizing the data.
So when the OpenSync project was created I was very interested. At GUADEC in Stuttgart I met with Armin, the maintainer of OpenSync, and we talked about integrating OpenSync with KDE. Everything seemed to fit together quite well, so at Linuxtag the same year we had another meeting with some more KDE people. In the end we agreed to go with OpenSync and a couple of weeks later we met again in Nuernberg for three days of hacking and created the KDE frontend for OpenSync. In retrospect it was a very pleasant and straightforward process to get where we are now.

Armin:

My reason to get involved (or better to start) OpenSync was my involvement with its predecessor Multisync. I am working as a system administrator for a small consulting company and so I saw some problems when trying to find a synchronization solution for Linux.
At that point I joined the Multisync project to implement some plugins that I thought would be nice to have. After some time I became the maintainer of the project. But I was unhappy with some technical aspects of the project, especially the tight coupling between the syncing logic and the GUI, its dependencies on GNOME libraries and its lack of flexibility.

Tobias:

Well, I have been a KDE PIM developer for several years now, so there was no way around getting in touch with synchronization and KitchenSync. Although I liked the idea of KitchenSync, I hated the code and the user interface […]. So when we discussed to switch to OpenSync and reimplementing the user interface, I volunteered immediately.

Can you tell us a bit about your further plans and ideas?

Cornelius:

The next thing will be the 1.0 release of OpenSync. We will release KitchenSync as frontend in parallel.

Armin:

There are of course a lot of things on my todo and my wishlist for opensync. For the near future the most important step is the 1.0 release, of course, where we still have some missing features in OpenSync as well as in the plugins.
One thing I would really like to see is a thunderbird plugin for OpenSync. I use thunderbird personally and would really like to keep my contacts up to date with my cellular, but I was not yet able to find the time to implement it.

Tobias:

One thing that would really rock in future versions of OpenSync is an automatic hardware detection mechanism, so when you plugin your Palm or switch on your bluetooth device, OpenSync will create a synchronization group automatically and ask the user to start syncing. To bring OpenSync to the level of _The Syncing Solution [tm]_ we must reduce the necessary configuration to a minimum.

What was the most dire problem you had to face when creating OpenSync and how did you face it?

Cornelius:

Fortunately the problems which I personally would consider to be dire are solved by the implementation of OpenSync which is well hidden from the outside world and [they are] an area I didn’t work on 😉

Armin:

I guess that I am the right person to answer this question then 🙂
The most complicated part of OpenSync is definitely the format conversion, which is responsible for converting the format of one device to the format that another device understands.
There are a lot of subsystems in this format conversion that make it so complex, like conversion path searching, comparing items, detection of mime types and last but not least the conversion itself. So this was a hard piece of work.

What was the greatest moment for you?

Cornelius:

I think the greatest moment was when, after three days of concentrated hacking, we had a first working version of the KDE frontend for OpenSync. This was at meeting at the SUSE offices in Nuernberg and we were able to successfully do a small presentation and demo to a group of interested SUSE people.

Armin:

I don’t remember a distinct “greatest moment”. But what is a really great feeling is to see that a project catches on, that other people get involved, use the code you have written and improve it in ways that you haven’t thought of initially.

Tobias:

Hmm, also hacking on OpenSync/KitcheSync is much fun in general, the greatest moment was when the new KitchenSync frontend synced two directories via OpenSync the first time. But it was also cool when we managed to get the IrMC plugin working again after porting it to OpenSync.

As we now know the worst problem you faced and your greatest moment, the only one missing is: What was your weirdest experience while working on OpenSync?

Cornelius:

Not directly related to OpenSync, but pretty weird was meeting a co-worker at the Amsterdam airport when returning from the last OpenSync meeting. I don’t know how high the chance is to meet somebody you know on a big random airport not related at all to the places where you or the other person live, but it was quite surprising.

Tobias:

Since my favorite language is C++, I was always confused how people can use plain C for such a project, half the time your are busy with writing code for allocating/freeing memory areas. Nevertheless Armin did a great job and he is always a help for solving strange C problems 🙂

Now I’d like to move on to some more specific questions about current and planned abilities of OpenSync. As first, I’ve got a personal one:

I have an old iPod sitting around here. Can I or will I be able to use a program utilizing OpenSync to synchronize my calendars, contacts and music to it?

Cornelius:

I’m not aware of any iPod support for OpenSync up to now, but if it doesn’t exist yet, why not write it? OpenSync makes this easy. This is a chance for everybody with the personal desire to sync one device or another to get involved.

Armin:

I dont think that there is iPod support yet for OpenSync. But it would definitely be possible to use OpenSync for this task. So if someone would like to implement an iPod plugin, I would be glad to help 🙂

Which other devices do you already support?

Cornelius:

At this time, OpenSync supports Palms, SyncML and IrMC capable devices.

Which programs already implement OpenSync and where can we check back to find new additions?

Cornelius:

On the application side there is support for Evolution [GNOME] and Kontact with KitchenSync [KDE] on the frontend side and the backend side and some more. I expect that further applications will adopt OpenSync once the 1.0 version is released.

Armin:

Besides kitchensync there already are a command line tool and a port of the multisync GUI. Aside from the GUIs, I would really like to see OpenSync being used in other applications as well. One possibility for example would to be integrate OpenSync into Evolution to give users the possibility to synchronize their devices directly from this application. News can generally be found on the OpenSync web site www.opensync.org.

It is time to give the developers something to devour, too. I’ll keep this as a short twice-fold technical dive before coming to the takeoff question, even though I’m sure there’s information for a double-volume book on technical subleties.

As first dive: How did you integrate OpenSync in KitchenSync, viewed from the coding side?

Cornelius:

OpenSync provides a C interface. We wrapped this with a small C++ library and put KitchenSync on top. Due to the object oriented nature of the OpenSync interfaces this was quite easy.
Recently I also started to write a D-Bus frontend for OpenSync. This also is a nice way to integrate OpenSync which provides a wide variety of options regarding programming languages and system configurations.

And for the second, deeper dive:

Can you give us a quick outline of those inner workings of OpenSync, from the developers view, which make OpenSync especially viable for application in several different desktop environments?

Cornelius:

That’s really a question for Armin. For those who are interested I would recommend to have a look at the OpenSync website. There is a nice white paper about the internal structure and functionality of OpenSync.

Armin:

OpenSync consists of several parts:
First there is the plugin API which defines what functions a plugin has to implement so that OpenSync can dlopen() it. There are 2 types of plugins:
A sync plugin which can synchronize a certain device or application and which provides functions for the initialization, handling the connection to a device and reading and writing items. Then there is a format plugin which defines a format and how to convert, compare and detect it.
The next part is a set of helper functions which are provided to ease to programming of synchronization plugins. These helper functions include things like handling plugin config files, HashTables which can be used to detect changes in sets of items, functions to detect when a resync of devices is necessary etc.
The syncing logic itself resides in the sync engine, which is a separate part. The sync engine is responsible for deciding when to call the connect function of a plugin, when to read or write from it. The engine also takes care of invoking the format conversion functions so that each plugin gets the items in its required format.
If you want more information and details about the inner workings of OpenSync, you should really visit the opensync.org website or ask its developers.

To add some more spice for those of our readers, whose interest you just managed to spawn (or to skyrocket), please tell us where they can get more information on the OpenSync Framework, how they can best meet and help you and how they can help improving sync-support for KDE by helping OpenSync.

Cornelius:

Again, the OpenSync web site is the right source for information. Regarding the KDE side, the kde-pim@kde.org mailing list is probably the right address. At the moment the most important help would be everything which gets the OpenSync 1.0 release done.
[And even though] I already said it, it can’t be repeated too often: OpenSync will be the one unified syncing solution for the free desktop. Cross-device, cross-platform, cross-desktop.
It’s the first time I feel well when thinking about syncing 😉.

Armin:

Regarding OpenSync, the best places to ask would be the opensync mailing lists at sourceforge or the #opensync irc channel on the freenode.net servers.
There are always a lot of things where we could need a helping hand and where we would be really glad to get some help. So everyone who is interested in OpenSync is welcome to join.

Many thanks for your time!

Cornelius:

Thanks for doing the interview. It’s always fun to talk about OpenSync, because it’s really the right thing.

Armin:

Thank you for taking your time and doing this interview. I really appreciate your help!

Tobias:

Thanks for your work. Publication and marketing is something that is really missing in the open source community. We have nice software but nobody knows 😉

Further Information on OpenSync can be found on the OpenSync Website: www.opensync.org


This Interview was done by (706) 216-5477 in April 2006 via e-mail and KOffice on behalf of himself, the OpenSource Community, SpreadKDE.org and the Dot (dot.kde.org).It was first published on the Dot and is licensed under the cc-attribution-sharealike-license.A pdf-version with pictures can be found at 610-321-9056 (OpenDocument version: (386) 232-4948)

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

480-390-7628

November 19, 2018

Saturday, April 2, 2005

Regional U.S. telephone giant SBC Communications is one step closer to offering cable television to the 18 million households in its 13 state coverage area. The company announced a $195 million contract with Scientific-Atlanta Thursday to provide a video operations center and regional hubs for the new service. Under the brand name, U-verse, the SBC’s television rollout is set to launch in 2006 after field trials begin later this year.

The company is seeking the so-called “triple play,” where a telecommunications company offers voice, data and video in one bundled package. Local telephone companies like SBC have been losing business to cable TV companies, which have added telephone and Internet services in recent years.

In a slew of recent deals, SBC is looking to stop that trend. Within the past six months it has signed alliances with various technology firms to build out a fiber network to the home strategy. For instance, SBC has a $1.7 billion deal with Alcatel to build out its 9254343938 network and a 10-year, $400 million, pact with Microsoft to license its IPTV technology to allow multi-channel television to stream over its Internet backbone.

In most of the U.S. only cable TV companies like Comcast have been able to offer the “triple play” of voice, video and data services. But traditional phone companies like SBC and Verizon have been upgrading their copper wire telephone networks to fiber optic. SBC says it plans to spend billions of dollars to overhaul its telecommunications network, saying the aging and brittle copper wires which were originally laid in the early 1900s do not have enough feldsher to allow television capability.

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Brazilian footballer, ex-policeman among seven arrested for ‘barbaric’ murder
November 19, 2018

Sunday, July 11, 2010

A professional football player from Brazil and a former police investigator are among seven people arrested in connection with a murder police called “barbaric”. Flamengo goalkeeper, and captain, Bruno Fernandes is accused of hiring former policeman Marcos Aparecido dos Santos to kill his mistress.

Police say Fernandes met Eliza Samudio, 25, at a party organised by another Flamengo player last year, and spent the night with the former model and pornstar, impregnating her. Her refusal to abort the pregnancy is cited as the motive behind the killing. Samudio has been missing since June 4th. Police state she contacted them earlier to complain of violence and threats from Fernandes. He is alleged to have attacked her and tried to force her to swallow an abortion pill in a complaint filed in October. He supposedly told her, “[y]ou don’t know me and you don’t know what I am capable of – I’m from the favela.”

Police allege that Samudio was abducted from a hotel in Rio de Janerio and driven for six hours to reach a house belonging to Santos near Belo Horizonte. There, according to newspaper Estado de Sao Paulo, one of Fernandes’s cousins, allegedly involved, said loud music was played to cover up the screams as “barbaric tortures” were inflicted upon her by Santos.

It is alleged when she exclaimed she could no longer bear being beaten the ex-policeman responded “[y]ou are not going to bear it any more. You are going to die.” Souza is said to have been present and witnessed both her torture and her strangulation. Although she remains missing, police state that they are confident she is dead and claim her remains were disposed of by being fed to at least one rottweiler. Remaining parts are said to be encased in concrete.

The child, a boy, had already been born and is now four months old. Police say his mother was killed when she began attempts to prove the footballer, who was rumoured to have received an offer worth millions of dollars from AC Milan, was his father. Homicide investigator Edson Moreira is running the probe and was in no doubt of the footballing “idol”‘s guilt: “[he is] a monster for what he did to this young lady.”

The investigation has been a major focus for Brazilian media. The nation has an upcoming presidential election and candidates were quick to express their views. Dilma Rousseff, who present president Luiz Inacio Lula da Silva wishes to succeed him, said “[t]his is a barbaric crime. The whole of Brazil is disgusted by such a barbaric and perverse crime.” Rainforest campaigner Marina Silva, another candidate, expressed concern that “[w]e have repeatedly seen this kind of episode against the lives of women.”

Fernandes denied any involvement, claiming a “clear conscience”. He has commented that he is concerned the investigation may hamper his prospects of representing Brazil at the 2014 World Cup. Currently in a jail cell, he was requested to provide DNA samples but exercised his constitutional right to refuse. His wife is also alleged to have been involved and is jailed as well. Santos has said, via his lawyer, that he too is uninvolved in any crimes.

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byAlma Abell

People have been collecting and investing in gold and platinum coins in Seattle WA for many years. Since precious metals have been used as currency for thousands of years, it’s easy to understand why people value them. Some people even collect the coins because they believe the current monetary system may one day collapse. But as with any investment opportunity, people should do their own research before starting out. By doing so, they can avoid potential pitfalls that could cost them a lot of money when they buy and sell their coins.

As with any other investments, there are some downsides to trading in gold and Platinum Coins in Seattle WA. In most cases, it’s a good idea to hold the coins for a few years. These coins are not usually meant to be bought and then immediately sold. There are some cases where people can find good deals on coins from sellers who don’t know what they have. For example, a person may inherit a coin collection and not know the true value. In such a case, a buyer could get the coins for way under market value and then sell them for a large profit. As for buying the coins, a lot of dealers will not take credit cards to buy gold and platinum coins.

People should also be cautious when dealing with rare coins. It takes much more expertise to buy rare coins. It’s possible for coins to look similar while having different grades. The difference in grades could cause a buyer of rare coins to spend thousands of dollars more for rare coins than they really are worth. If a person insists on dealing with rare coins, it’s best to use a professional service to grade the coins. Also, it’s important to obtain a certificate of authenticity.

Collectors can quickly buy and sell gold and platinum at Emerald City Gold and similar places. Before entering a transaction, people need to know the market prices of the precious metal they are dealing with. Fortunately, there are smartphone apps that can give prices while people are on the go. There isn’t any real reason to haggle over prices when the info can be displayed on the phone for everyone to see.

(417) 615-4119

November 17, 2018

Friday, January 22, 2010

A six-year-old boy from the county of Berkshire in England, United Kingdom, who fell through a frozen pond on January 5, has died. The pond is near to the location of his house where he was playing with one of his friends. Thomas Hudson — or Tommy as he was also known — was trapped underneath the garden pond in Crookham Common, which was six feet in depth, for 30 minutes. It is not clear what exactly caused Thomas to fall into the pond.

After calls for help from Tommy’s playmate, a woman went into the water and searched for Thomas. It is believed that the woman was related to Tommy. A fire crew managed to take Thomas out of the water. After ambulance workers found themselves unable to restart his heart, Tommy was taken by aircraft to John Radcliffe Hospital in Oxford, Oxfordshire. There, an emergency operation was carried out on him before Thomas was placed on a life support machine. He died on January 21 after he failed to regain consciousness.

It has been reported that Thames Valley Police are launching an investigation into the death. However, the police has said that there are no suspicious circumstances as far as they are concerned.

Hugh Whitaker was one of the people assisting in the search for Thomas on January 5. “We worked as a team with the fire service to locate the boy in the water and he was pulled out,” Whitaker stated. “It was thought he had been in there for around half an hour. Once he was located he was taken to the air ambulance and on to the John Radcliffe Hospital after being treated by a doctor. He was in cardiac arrest at the scene. A woman who went into the water was examined by paramedics at the scene but she did not require hospital treatment. The lake was between 15 and 20 metres by 15 and 20 metres in size. From where he was recovered from he would have had to have walked out onto the water — he was not far from the centre of the frozen lake.”

A statement released from the Oxford Radcliffe Hospitals NHS Trust that said: “We are very sorry to confirm that Tommy Hudson died peacefully at our hospital this [Thursday] morning. Tommy’s parents ask that their privacy be respected at this very difficult time.”

503-571-7592

November 16, 2018

Friday, September 9, 2005

New Orleans, Louisiana —After Category 4 storm Hurricane Katrina slammed into New Orleans, on the night before August 29, 2005, several flood control constructions failed. Much of the city flooded through the openings. One of these was the flood wall forming one side of the 17th Street Canal, near Lake Pontchartrain. The U.S. Army Corps of Engineers (USACE) is the primary agency for engineering support during such emergencies. A USACE team was assessing the situation in New Orleans on the 29th, water flow was stopped September 2nd, and the breach was closed on September 5th.

Contents

  • 1 Background
  • 2 August 27: Before the storm
  • 3 August 29: Day of the storm
  • 4 August 30: Flood
  • 5 August 31: Recovery begins
  • 6 September 1: Construction
  • 7 September 2: Water flow stopped
  • 8 September 3
  • 9 September 4: Almost done
  • 10 September 5: Breach closed
  • 11 September 6: Pumping and moving on
  • 12 See also
  • 13 Sources
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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages
November 15, 2018

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.

(802) 350-6274

November 14, 2018

Friday, April 6, 2007

U.S. Defence Secretary 2342186987 warned that limiting funding for the United States efforts in Iraq could lead to more bloodshed in the Middle Eastern country. In an interview with radio talk show host Laura Ingraham, he said it might even lead to interblend in Bahgdad and elsewhere in Iraq.

Gates’ comment followed a proposal from Senate Majority Leader 2016638828 to end most spending on the Iraq war in 2008, limiting it to targeted operations against al Qaeda, training for Iraqi troops and U.S. force protection.

Sec. Gates also said that the duration of the troop increase is not clear and that evaluating whether the Administration’s new strategy was working will have to wait till mid-summer. The Army general charged with day-to-day operations has suggested that the increased deployment may extend to early next year.

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What To Look For When Searching For Streatham Estate Agents Online

by

danielgiibs

When you are planning to purchase or sell your house or flat at Streatham, you will surely be planning to seek the help of a Streatham estate agent. As you might be aware, Internet is gaining popularity as an electronic media and you can also make use of this source for seeking the help of an estate agent. There are professional real estate agencies in this part of the world offering their service through online and so you can easily find one such company online.

If you are a seller looking for a Streatham estate agent, you can just visit the website of such a company and can just request a free valuation for your property by providing details about it in the online application form along with your contact number and email address. Once this is done, one of the agents working for the agency will be contacting you and before they actually contact you, you can just decide on the services that you need from them like if you want them to make arrangements for the enquirers to view the house, if you want them to do online marketing on your behalf, etc… You will be charged according to the package you are selecting. Then, you can relax yourself until your house finds a reliable buyer.

If you are a buyer, you can view the complete list of properties available in your intended area. For instance, if you are planning to purchase a property in Stoke Newington, you can just view the list of houses available in this area from the website of the estate agents Stoke Newington\’s website. Once you find that a house will be suitable for you, you can get complete details about the property like its floor plan, its location map, its image, etc… and there will be a button called \’arrange for viewing\’, which will take you to an online form and once this form is submitted, the firm will be arranging for taking you to the property in person. If you are satisfied with the property, you can go for further talks with the seller through the estate agents Stoke Newington firm.

So, when searching of properties for purchase and searching of purchaser for a property has been made this much easier through online brokers, buyers and sellers are greatly benefited. Even, people who wish to let their property on rent or people looking to find a property for rent can also seek the help of these agencies online.

Fishneedwater is a well established estate agency covering SW19 and the surrounding areas. We are the best online

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, offering property sellers and landlords with a fantastic value for money alternative to the traditional high street estate agents in Wimbledon. To know more about

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, please visit us online.

Article Source:

ArticleRich.com

(587) 665-7760

November 13, 2018

Saturday, December 9, 2006

The International Federation of Netball Associations (IFNA) has stripped the rights from Fiji to host the World Netball Championships in 2007 because of the military coup that took place on December 5.

The Netball Championships were to take place between 10 July and 21 July, 2007 at Fiji’s capital, Suva.

IFNA president, Molly Rhone, said: “It is deeply regretted that we have had to take this decision, recognising the hard work that has been done by the Organising Committee in preparing to host their first senior World Championships.”

“We know that many supporters around the world were looking forward to this great sporting event in Fiji,” Ms Rhone said.

Alisi Tabete, president of Fijian netball, said that today is a very sad day for sports and that they had wasted many years preparing to host the championships. “We had been working on this event from 1999 and right now I am trying to reason with myself as to why the championships has been lost and just thinking ‘what if’.”

“We have to think positive and am still thankful that we had been given a chance for the champs,” Ms Tabete said.

The IFNA is yet to announce a replacement venue for the games. Ms Rhone said: “IFNA will now be working assiduously to find a new venue to host the Championships.”