The Best Recession Proof Business In A Bad Economy

By Dianne Ronnow

Are you looking for a recession proof business? People all over the world are affected by this recession and tough economy. Once solid jobs and businesses are disappearing rapidly. Retirement income and savings are disappearing just as quickly for many as well. Many thousands of people are looking for a way to make more money in a bad economy both at home and online.

Can it be done– absolutely! There is incredible income potential if you know what your are doing.

Is it easy? No. Like anything real, you have to work at it.

Even in a recession, there are always new opportunities that open and ways to thrive financially. Some recession-proof businesses actually grow more during bad economic times or even a depression. One of these businesses is network marketing.

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Network marketing (MLM) is one of the best recession-proof businesses you can be in during bad economic times. Network marketing actually thrives when the economy is bad.

When the economy starts to slow down people start looking for ways to make extra income from home. Friends and family that scoffed at your business last year may now come running to you to find out how they can get started.

A network marketing home business doesn?t require a huge amount of capital to start. An ordinary person can get started in their own business with relatively little money invested. Plus you can work your own hours from home.

And network marketing has huge income potential. That is one of the reasons why Robert Kiyosaki (Rich Dad) and Donald Trump recommend MLM as a way for the average ?Joe? to build wealth.

It is true that many people do fail at network marketing, and one of the main reasons is that they were never taught how to market their business properly. Many upline leaders are teaching their downline the old out-of-date marketing techniques of the 90?s. Distributors are taught to duplicate outdated marketing techniques such as home business meetings, tables at events, passing out business cards, endless phone calls to long lists of purchased leads, and bugging friends and family for referrals.

The Internet is the future for home business and network marketing. When network marketing trainers and companies don?t teach their distributors how to market effectively and profitably on the Internet, people waste a lot of time, effort and money. Many eventually give up and think that network marketing doesn?t work.

Duplication is the key to success in network marketing, but the old marketing practices just don?t work in today?s online world and have long been bypassed by newer online web marketing techniques and systems. Those that master the Internet are dominating their network marketing companies.

I can show you how to succeed financially in your network marketing company by utilizing the power of modern marketing practices on the web without doing all those out-of-date and tedious old marketing practices.

I have a simple system that will teach you powerful techniques for online marketing. This system can be used for any MLM or network marketing company, and is easily duplicatable.

For more information, click on the link below.

About the Author: Dianne Ronnow is an Author and Online Business and Marketing Coach. Learn Dianne’s Secrets to Real Home Business Income at

DianneRonnow.com

now! This article may be freely copied as long as it is not modified and the resource box accompanies the article, together with working hyperlinks. By Dianne Ronnow ? 2008-9. All rights reserved.

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News briefs:May 27, 2010

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News briefs:May 27, 2010
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Make Sure You Dont Damage Your Porcelain BBQ Grates By Using The Wrong Grill Brush

Porcelain enamel covered grill grates are a common choice in barbecuing. They provide a non stick surface for your food and do not rust. This assumes you clean them with the correct grill brush. If you do not use a suitable grill brush you may find your grates becomes scratched. Read more to learn how to choose the best grill brush.

Click the link for particulars about buy outdoor bbq kitchen

One common worry when purchasing a grill brush is whether it will scratch your cooking grid. The last thing you want is to scrape the grates of your pricey Weber BBQ. Fortunately, with just a bit of study it is very simple to ensure you get the best grill brush for your BBQ.

How delicate you grate is, and how vulnerable it could be to damage and scratching, is based upon the material the grate is made from. The most resilient material that is commonly used is stainless steel. These grates are very strong and resistant to rust and corrosion. Porcelain covered grill grates, on the other hand, are a lot more delicate. The porcelain coat is relatively brittle and can chip and split. No only does this decrease the non stick capability of the grate, it also exposes the metal underneath the enamel to moisture. Cast iron grill grates are very tough, yet have to be kept oiled to prevent rusting.

A lot of grill brushes are completely safe for use with the majority of grills, yet there is one notable exception. NEVER use a scraper on porcelain coated grill grates! That will definitely lead to you chipping the porcelain enamel. Apart from that, the majority of brushes are fine with the majority of grates.

The 2 most common materials used to make the bristles for BBQ grill brushes are brass and stainless steel. Brass is softer, so less likely to scrape the grates, yet this softness also means the bristles become flattened much more quickly. Because of this, brass grill brushes need to be replaced regularly. Stainless steel grill brushes are a lot more tough, because of their stiffer bristles. Nevertheless, this added stiffness means that they can sometimes scrape the grate. This is why people frequently recommend brass grill brushes for porcelain enamel coated grill grates.

So which type of brush should you get to clean your porcelain enamel coated grill grate?

My advice is to choose a stainless steel grill brush with bristles thin enough that they don’t cause damage. The common belief that you can only use brass bristled grill brushes for porcelain enamel coated grates is not really true. Lots of stainless steel grill brushes are completely safe to use. Since they will last much longer compared to brass grill brushes, my suggestion is to choose one of these. That way, you get a grill brush that will not only safely clean your barbecue, but will also last a very long time. To get even more life out your BBQ brush, only use it when the grate is hot. This will make it easy to clean, allowing you to use less pressurePsychology Articles, which ultimately means that your bristles will remain in excellent condition much longer.

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National Museum of Scotland reopens after three-year redevelopment

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National Museum of Scotland reopens after three-year redevelopment

Friday, July 29, 2011

Today sees the reopening of the National Museum of Scotland following a three-year renovation costing £47.4 million (US$ 77.3 million). Edinburgh’s Chambers Street was closed to traffic for the morning, with the 10am reopening by eleven-year-old Bryony Hare, who took her first steps in the museum, and won a competition organised by the local Evening News paper to be a VIP guest at the event. Prior to the opening, Wikinews toured the renovated museum, viewing the new galleries, and some of the 8,000 objects inside.

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Dressed in Victorian attire, Scottish broadcaster Grant Stott acted as master of ceremonies over festivities starting shortly after 9am. The packed street cheered an animatronic Tyrannosaurus Rex created by Millenium FX; onlookers were entertained with a twenty-minute performance by the Mugenkyo Taiko Drummers on the steps of the museum; then, following Bryony Hare knocking three times on the original doors to ask that the museum be opened, the ceremony was heralded with a specially composed fanfare – played on a replica of the museum’s 2,000-year-old carnyx Celtic war-horn. During the fanfare, two abseilers unfurled white pennons down either side of the original entrance.

The completion of the opening to the public was marked with Chinese firecrackers, and fireworks, being set off on the museum roof. As the public crowded into the museum, the Mugenkyo Taiko Drummers resumed their performance; a street theatre group mingled with the large crowd, and the animatronic Tyrannosaurus Rex entertained the thinning crowd of onlookers in the centre of the street.

On Wednesday, the museum welcomed the world’s press for an in depth preview of the new visitor experience. Wikinews was represented by Brian McNeil, who is also Wikimedia UK’s interim liaison with Museum Galleries Scotland.

The new pavement-level Entrance Hall saw journalists mingle with curators. The director, Gordon Rintoul, introduced presentations by Gareth Hoskins and Ralph Applebaum, respective heads of the Architects and Building Design Team; and, the designers responsible for the rejuvenation of the museum.

Describing himself as a “local lad”, Hoskins reminisced about his grandfather regularly bringing him to the museum, and pushing all the buttons on the numerous interactive exhibits throughout the museum. Describing the nearly 150-year-old museum as having become “a little tired”, and a place “only visited on a rainy day”, he commented that many international visitors to Edinburgh did not realise that the building was a public space; explaining the focus was to improve access to the museum – hence the opening of street-level access – and, to “transform the complex”, focus on “opening up the building”, and “creating a number of new spaces […] that would improve facilities and really make this an experience for 21st century museum visitors”.

Hoskins explained that a “rabbit warren” of storage spaces were cleared out to provide street-level access to the museum; the floor in this “crypt-like” space being lowered by 1.5 metres to achieve this goal. Then Hoskins handed over to Applebaum, who expressed his delight to be present at the reopening.

Applebaum commented that one of his first encounters with the museum was seeing “struggling young mothers with two kids in strollers making their way up the steps”, expressing his pleasure at this being made a thing of the past. Applebaum explained that the Victorian age saw the opening of museums for public access, with the National Museum’s earlier incarnation being the “College Museum” – a “first window into this museum’s collection”.

Have you any photos of the museum, or its exhibits?

The museum itself is physically connected to the University of Edinburgh’s old college via a bridge which allowed students to move between the two buildings.

Applebaum explained that the museum will, now redeveloped, be used as a social space, with gatherings held in the Grand Gallery, “turning the museum into a social convening space mixed with knowledge”. Continuing, he praised the collections, saying they are “cultural assets [… Scotland is] turning those into real cultural capital”, and the museum is, and museums in general are, providing a sense of “social pride”.

McNeil joined the yellow group on a guided tour round the museum with one of the staff. Climbing the stairs at the rear of the Entrance Hall, the foot of the Window on the World exhibit, the group gained a first chance to see the restored Grand Gallery. This space is flooded with light from the glass ceiling three floors above, supported by 40 cast-iron columns. As may disappoint some visitors, the fish ponds have been removed; these were not an original feature, but originally installed in the 1960s – supposedly to humidify the museum; and failing in this regard. But, several curators joked that they attracted attention as “the only thing that moved” in the museum.

The museum’s original architect was Captain Francis Fowke, also responsible for the design of London’s Royal Albert Hall; his design for the then-Industrial Museum apparently inspired by Joseph Paxton’s Crystal Palace.

The group moved from the Grand Gallery into the Discoveries Gallery to the south side of the museum. The old red staircase is gone, and the Millennium Clock stands to the right of a newly-installed escalator, giving easier access to the upper galleries than the original staircases at each end of the Grand Gallery. Two glass elevators have also been installed, flanking the opening into the Discoveries Gallery and, providing disabled access from top-to-bottom of the museum.

The National Museum of Scotland’s origins can be traced back to 1780 when the 11th Earl of Buchan, David Stuart Erskine, formed the Society of Antiquaries of Scotland; the Society being tasked with the collection and preservation of archaeological artefacts for Scotland. In 1858, control of this was passed to the government of the day and the National Museum of Antiquities of Scotland came into being. Items in the collection at that time were housed at various locations around the city.

On Wednesday, October 28, 1861, during a royal visit to Edinburgh by Queen Victoria, Prince-Consort Albert laid the foundation-stone for what was then intended to be the Industrial Museum. Nearly five years later, it was the second son of Victoria and Albert, Prince Alfred, the then-Duke of Edinburgh, who opened the building which was then known as the Scottish Museum of Science and Art. A full-page feature, published in the following Monday’s issue of The Scotsman covered the history leading up to the opening of the museum, those who had championed its establishment, the building of the collection which it was to house, and Edinburgh University’s donation of their Natural History collection to augment the exhibits put on public display.

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Selection of views of the Grand Gallery Image: Brian McNeil.

Selection of views of the Grand Gallery Image: Brian McNeil.

Selection of views of the Grand Gallery Image: Brian McNeil.

Closed for a little over three years, today’s reopening of the museum is seen as the “centrepiece” of National Museums Scotland’s fifteen-year plan to dramatically improve accessibility and better present their collections. Sir Andrew Grossard, chair of the Board of Trustees, said: “The reopening of the National Museum of Scotland, on time and within budget is a tremendous achievement […] Our collections tell great stories about the world, how Scots saw that world, and the disproportionate impact they had upon it. The intellectual and collecting impact of the Scottish diaspora has been profound. It is an inspiring story which has captured the imagination of our many supporters who have helped us achieve our aspirations and to whom we are profoundly grateful.

The extensive work, carried out with a view to expand publicly accessible space and display more of the museums collections, carried a £47.4 million pricetag. This was jointly funded with £16 million from the Scottish Government, and £17.8 million from the Heritage Lottery Fund. Further funds towards the work came from private sources and totalled £13.6 million. Subsequent development, as part of the longer-term £70 million “Masterplan”, is expected to be completed by 2020 and see an additional eleven galleries opened.

The funding by the Scottish Government can be seen as a ‘canny‘ investment; a report commissioned by National Museums Scotland, and produced by consultancy firm Biggar Economics, suggest the work carried out could be worth £58.1 million per year, compared with an estimated value to the economy of £48.8 prior to the 2008 closure. Visitor figures are expected to rise by over 20%; use of function facilities are predicted to increase, alongside other increases in local hospitality-sector spending.

Proudly commenting on the Scottish Government’s involvement Fiona Hyslop, Cabinet Secretary for Culture and External Affairs, described the reopening as, “one of the nation’s cultural highlights of 2011” and says the rejuvenated museum is, “[a] must-see attraction for local and international visitors alike“. Continuing to extol the museum’s virtues, Hyslop states that it “promotes the best of Scotland and our contributions to the world.

So-far, the work carried out is estimated to have increased the public space within the museum complex by 50%. Street-level storage rooms, never before seen by the public, have been transformed into new exhibit space, and pavement-level access to the buildings provided which include a new set of visitor facilities. Architectural firm Gareth Hoskins have retained the original Grand Gallery – now the first floor of the museum – described as a “birdcage” structure and originally inspired by The Crystal Palace built in Hyde Park, London for the 1851 Great Exhibition.

The centrepiece in the Grand Gallery is the “Window on the World” exhibit, which stands around 20 metres tall and is currently one of the largest installations in any UK museum. This showcases numerous items from the museum’s collections, rising through four storeys in the centre of the museum. Alexander Hayward, the museums Keeper of Science and Technology, challenged attending journalists to imagine installing “teapots at thirty feet”.

The redeveloped museum includes the opening of sixteen brand new galleries. Housed within, are over 8,000 objects, only 20% of which have been previously seen.

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The Window on the World rises through the four floors of the museum and contains over 800 objects. This includes a gyrocopter from the 1930s, the world’s largest scrimshaw – made from the jaws of a sperm whale which the University of Edinburgh requested for their collection, a number of Buddha figures, spearheads, antique tools, an old gramophone and record, a selection of old local signage, and a girder from the doomed Tay Bridge.

The arrangement of galleries around the Grand Gallery’s “birdcage” structure is organised into themes across multiple floors. The World Cultures Galleries allow visitors to explore the culture of the entire planet; Living Lands explains the ways in which our natural environment influences the way we live our lives, and the beliefs that grow out of the places we live – from the Arctic cold of North America to Australia’s deserts.

The adjacent Patterns of Life gallery shows objects ranging from the everyday, to the unusual from all over the world. The functions different objects serve at different periods in peoples’ lives are explored, and complement the contents of the Living Lands gallery.

Performance & Lives houses musical instruments from around the world, alongside masks and costumes; both rooted in long-established traditions and rituals, this displayed alongside contemporary items showing the interpretation of tradition by contemporary artists and instrument-creators.

The museum proudly bills the Facing the Sea gallery as the only one in the UK which is specifically based on the cultures of the South Pacific. It explores the rich diversity of the communities in the region, how the sea shapes the islanders’ lives – describing how their lives are shaped as much by the sea as the land.

Both the Facing the Sea and Performance & Lives galleries are on the second floor, next to the new exhibition shop and foyer which leads to one of the new exhibition galleries, expected to house the visiting Amazing Mummies exhibit in February, coming from Leiden in the Netherlands.

The Inspired by Nature, Artistic Legacies, and Traditions in Sculpture galleries take up most of the east side of the upper floor of the museum. The latter of these shows the sculptors from diverse cultures have, through history, explored the possibilities in expressing oneself using metal, wood, or stone. The Inspired by Nature gallery shows how many artists, including contemporary ones, draw their influence from the world around us – often commenting on our own human impact on that natural world.

Contrastingly, the Artistic Legacies gallery compares more traditional art and the work of modern artists. The displayed exhibits attempt to show how people, in creating specific art objects, attempt to illustrate the human spirit, the cultures they are familiar with, and the imaginative input of the objects’ creators.

The easternmost side of the museum, adjacent to Edinburgh University’s Old College, will bring back memories for many regular visitors to the museum; but, with an extensive array of new items. The museum’s dedicated taxidermy staff have produced a wide variety of fresh examples from the natural world.

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At ground level, the Animal World and Wildlife Panorama’s most imposing exhibit is probably the lifesize reproduction of a Tyrannosaurus Rex skeleton. This rubs shoulders with other examples from around the world, including one of a pair of elephants. The on-display elephant could not be removed whilst renovation work was underway, and lurked in a corner of the gallery as work went on around it.

Above, in the Animal Senses gallery, are examples of how we experience the world through our senses, and contrasting examples of wildly differing senses, or extremes of such, present in the natural world. This gallery also has giant screens, suspended in the free space, which show footage ranging from the most tranquil and peaceful life in the sea to the tooth-and-claw bloody savagery of nature.

The Survival gallery gives visitors a look into the ever-ongoing nature of evolution; the causes of some species dying out while others thrive, and the ability of any species to adapt as a method of avoiding extinction.

Earth in Space puts our place in the universe in perspective. Housing Europe’s oldest surviving Astrolabe, dating from the eleventh century, this gallery gives an opportunity to see the technology invented to allow us to look into the big questions about what lies beyond Earth, and probe the origins of the universe and life.

In contrast, the Restless Earth gallery shows examples of the rocks and minerals formed through geological processes here on earth. The continual processes of the planet are explored alongside their impact on human life. An impressive collection of geological specimens are complemented with educational multimedia presentations.

Beyond working on new galleries, and the main redevelopment, the transformation team have revamped galleries that will be familiar to regular past visitors to the museum.

Formerly known as the Ivy Wu Gallery of East Asian Art, the Looking East gallery showcases National Museums Scotland’s extensive collection of Korean, Chinese, and Japanese material. The gallery’s creation was originally sponsored by Sir Gordon Wu, and named after his wife Ivy. It contains items from the last dynasty, the Manchu, and examples of traditional ceramic work. Japan is represented through artefacts from ordinary people’s lives, expositions on the role of the Samurai, and early trade with the West. Korean objects also show the country’s ceramic work, clothing, and traditional accessories used, and worn, by the indigenous people.

The Ancient Egypt gallery has always been a favourite of visitors to the museum. A great many of the exhibits in this space were returned to Scotland from late 19th century excavations; and, are arranged to take visitors through the rituals, and objects associated with, life, death, and the afterlife, as viewed from an Egyptian perspective.

The Art and Industry and European Styles galleries, respectively, show how designs are arrived at and turned into manufactured objects, and the evolution of European style – financed and sponsored by a wide range of artists and patrons. A large number of the objects on display, often purchased or commissioned, by Scots, are now on display for the first time ever.

Shaping our World encourages visitors to take a fresh look at technological objects developed over the last 200 years, many of which are so integrated into our lives that they are taken for granted. Radio, transportation, and modern medicines are covered, with a retrospective on the people who developed many of the items we rely on daily.

What was known as the Museum of Scotland, a modern addition to the classical Victorian-era museum, is now known as the Scottish Galleries following the renovation of the main building.

This dedicated newer wing to the now-integrated National Museum of Scotland covers the history of Scotland from a time before there were people living in the country. The geological timescale is covered in the Beginnings gallery, showing continents arranging themselves into what people today see as familiar outlines on modern-day maps.

Just next door, the history of the earliest occupants of Scotland are on display; hunters and gatherers from around 4,000 B.C give way to farmers in the Early People exhibits.

The Kingdom of the Scots follows Scotland becoming a recognisable nation, and a kingdom ruled over by the Stewart dynasty. Moving closer to modern-times, the Scotland Transformed gallery looks at the country’s history post-union in 1707.

Industry and Empire showcases Scotland’s significant place in the world as a source of heavy engineering work in the form of rail engineering and shipbuilding – key components in the building of the British Empire. Naturally, whisky was another globally-recognised export introduced to the world during empire-building.

Lastly, Scotland: A Changing Nation collects less-tangible items, including personal accounts, from the country’s journey through the 20th century; the social history of Scots, and progress towards being a multicultural nation, is explored through heavy use of multimedia exhibits.

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Australian PM announces $1.8 billion mental health plan

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Australian PM announces $1.8 billion mental health plan

Published on January 27th, 2020.

Wednesday, April 5, 2006

Australian Prime Minister John Howard has announced a five year plan costing AU$1.8 billion to address issues with the country’s mental health system. The plan follows a commitment made at the Council of Australian Governments (COAG) meeting in February.

The federal government will improve access to clinical and health services, increase the number of mental health professionals in Australia, create mental health work teams consisting of GPs, psychiatrists, psychologists and mental health nurses, provide respite services for people suffering mental illness and their carers, and introduce new programs for community awareness.

Mr Howard said the plan addresses issues which fall into its area of responsibility. He hopes that the states and territories will complement the federal government’s package by investing in supported accommodation, hospital and emergency services, crisis care services and the provision of mental health care in gaols.

Under the federal government’s plan, psychologists will play a greater role in the mental health system. From November, Patients will be able to claim a rebate from Medicare (Australia’s universal healthcare scheme) for the services of psychologists if they have been referred by a GP or psychiatrist. At present patients pay around $100 for a standard 30 minute consultation.

Mr Howard claims that there is an issue for mental health professionals in treating patients with a substance abuse problem and mental illness. To address this the government will provide extra funding for drug and alcohol rehabilitation services.

The government will increase the mental health workforce by funding an additional 400 mental health nursing and 200 clinical psychology places. 900 personal helpers and mentors will also be employed.

The government has promised increase funding for telephone counselling and suicide prevention services, living skills programs and additional support for those with a mental illness who are having difficulty finding or keeping work.

The government will also provide 900 personal helpers and mentors, increase funding for living skills programs and provide additional employment assistance to those who have difficulty finding or retaining employment due to their illness.

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4 Techniques That Will Make Training Puppies In Chicago Easy And Effective

Published on January 27th, 2020.

byAlma Abell

If you’ve just adopted a new puppy in Chicago, it’s important to begin training as soon as possible. A properly trained puppy will grow up into a well-behaved adult dog who’s confident, sociable and eager to please. Still, training a puppy takes some planning and lots of patience, especially if you’re a first-time dog owner. Here are some tips on Training Puppies in Chicago that will make the process a lot easier.

Start Young

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One of the biggest mistakes dog owners make is waiting too long to begin training their puppy. According to the ASPCA, the best time to begin a training regimen with your pup is when he’s 6-8 weeks old. Starting some simple training exercises early will increase the bond between you and your pup and make it easier for him to learn more advanced commands and skills down the road.

Keep it Short

Much like young children, puppies have short attention spans. Because of this limited focus, it’s important to keep your initial training sessions short and simple. Most experts recommend working with your pup for no more than 15 or 20 minutes at a time when you begin training. As he ages, you can increase the duration of your training sessions. The most important thing to remember is to stop your training exercises when you sense your puppy is becoming bored or distracted.

Use Positive Reinforcement

Recent studies have shown that dogs respond better and learn faster when they’re rewarded for good behavior instead of being punished for missteps. When your pup gets something right, be sure to let him know with elaborate praise, a small treat or a favorite toy. Avoid scolding or punishing your puppy when he does wrong–this can be confuse you dog and be counterproductive to your efforts.

Don’t Skip Class

One of the easiest and most effective ways to train your puppy right is by enrolling him in an obedience class. Group classes with other dogs and their owners are especially beneficial for puppies because they provide much-needed socialization skills as well as obedience training. To find a class that’s perfect for you and your pup, Choose Chicago Canine Academy.

When it comes to Training Puppies in Chicago, it’s important to be consistent and patient. Keep the tips above in mind when you begin training your pup and don’t forget to have fun with your new best friend.

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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Published on January 26th, 2020.

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.

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Ideal Bags for Different Packaging Solutions

Published on January 24th, 2020.

There are various kinds of packaging solutions available in the market. Amongst them, bags are considered ideal for the same. In market there are varieties of packaging bags available that help in providing complete packaging solution. May it be for flowers, eatables, construction materials, etc. there is a packaging bag, available for all. And more interestingly, the bags are designed in such a manner that they look ideal for the packaging of respective materials or things. In addition to this, apart from packaging bags, there are carrying bags also available, in the market that are designed to carry products.

The array of the packaging bags is quite huge and includes bags like laminated bags, ice bags, bread bags, PVC bags and pouches, non woven bags, non woven fancy bags etc. The materials used in manufacturing of the bags are of premium quality that ensures features like high durability, excellent tensile strength and resistivity to adverse conditions. The bags also vary in thickness, colors and sizes, meeting the specific requirements of the applications and perspective buyers. Moreover, one can also avail custom bags designed, or say manufactured as per the specifications and drawings provided by the perspective clients.

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In market one could also available varieties of flower bags, courier bags and poly bags. There are vendors in the market who are highly acclaimed for providing these bags. The use of premium quality materials and advanced manufacturing machines make the bags a perfect march to the international standards in terms of quality and performance. The availability of the bags in varied sizes, dimensions and thickness ensures features like high durability, tensile strength and resistivity to adverse conditions. Additionally, affordable price has also played a vital role in the enhancement of the demands of the bags in the national as well as international market.

Apart from all these types of bags and pouches, zipper bags have earned loads of appreciation in the worldwide market. These zipper bags are ideal for packaging of edible items or say the perishable items. The unmatched quality and unsurpassable performance have made them ideal to be used in day to day life. Features like zero odor, no leakage, airtight, proper thickness etc., make these bags different from other packaging bags. These bags are available in varied sizes, colors, thickness etc. to meet the specific requirements of the applications and requirement of perspective buyers. MoreoverHealth Fitness Articles, these are available at reasonable price.

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How to select a legal financial advisor

Published on January 23rd, 2020.

Selection of financial advisor is an important task for an investor, he should take every decision very carefully. A financial advisor is like your mentor, he provides you guidance on your investment.so choose your advisor smartly. 

Financial planning is an important task for everyone because it is related to your future, your money that you have earned through a lot of hard work. When it is a matter of money you have to be careful before selecting your money advisor. Many people think how to manage money so that it can give an easy return.

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Financial advisors come in a number of types it is up to you to select best one among all. If you hired a financial advisor for daily trading tips like stock tips and commodity tips, the very first question arises whether you are satisfied or not??? Is your decision correct or not??

It is an important factor that your investment advisor should have all the qualities that lead your money from bottom to top. Investment performance based on two elements first your satisfaction or second your dissatisfaction from your advisory firm, so be careful about selection of an advisor for your investment.

See when it comes to money, we cannot predict a single thing, but who we choose to manage it, matters a lot. Here I am going to tell you few factors how you can choose a good investment firm or advisor for you.

1. Certified Financial Planner – If you are going to hire your money planner then look for a registered planner only. You should look for a financial planner who is a certified financial planner (CPI) and SEBI registered also. Your financial planner should be licensed and he completed all the mandatory classes related to financial planning.

2.Fiduciary person – Fiduciary means a person is responsible for working for his client interest who is responsible for placing his client’s interest ahead of his own interest. It must disclose with his face. You need to be careful when you are selecting an advisor for you. he must be ready to work for your welfare and his goal is to give a good amount of return to you.

3. Planner’s pay structure – How much they charge for their services ??This is also an important point to consider, you should check the payment structure of your planner. Please check their planning fee, whether they charge on commission based or hourly based. It will help you to differentiate financial planners.

4.Read the code of ethics your financial advisor adhere to – You must read carefully about your financial planner’s language, attitude, and past activities and the very important thing is he should be honest and loyal toward his client.

5.Check the background of your financial planner – Ask few question to yourself – is this a right person who can manage your money?? First, you should check past events related to particular company or person.

6.Beware of fraud people – There are various people whoa re ready to make you fool by giving false promises. So be aware of those fraud peoples.

Choose a firm who gives a free trial to customers for providing trading tips like commodity tips, stock futures tips, and stock tips.

So once you have done with all above points then meet your financial planners make them understand about your investment goal, your situation and each and everything. Financial advisors help you to manage your money, it is your foremost role to be smart, analyse all plannerHealth Fitness Articles, differentiate them and choose best among all.

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Hidradenitis Suppurativa Treatment Tips

Published on January 22nd, 2020.

Hidradenitis suppurativa does not present prior to puberty because the apocrine glands are inactive until triggered by a surge in hormones.

Hidradenitis Suppurativa (HS) is an uncommon chronic inflammatory skin condition. It is also known as ‘acne inversa’. It is more commonly found in women and can be present under the breasts. It commonly occurs on apocrine sweat gland-bearing skin such as in the groin. HS usually develops in your armpits, groin and anal area. It causes long-term skin inflammation and can be painful. The symptoms of Hidradenitis Suppurativa vary greatly, it can be as slight as black heads and pimples or as serious as large draining lesions, growing to the size of golf balls. It usually appears after puberty. Hidradenitis suppurativa may run in families.

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The condition may be observed in patients of any age after puberty. Treating hidradenitis suppurativa is difficult. It is best treated in the early stages before extensive scarring develops. Treatments depend on the extent of the affected areas and whether the sores are painful or infected. Mild cases can be treated with self-care measures, including warm compresses and regular washings with antibacterial soap. Surgery is the most effective treatment for recalcitrant hidradenitis. Mild cases of hidradenitis suppurativa can be treated with warm compresses and anti-bacterial soap. Non-steroidal anti-inflammatory drugs can help to manage welling. Aggressive surgery will cure an area of severe, chronic hidradenitis but it has to remove scarred tissue or even large areas of skin.

Radiotherapy has been investigated as a potential treatment option. Skin grafts may be needed. Incision (lancing) and draining will reliably help smaller affected areas. Cutting away skin and flesh that cover any tunnels or tracts can increase healing of the lesions and minimize scarring. Retin-A cream, a prescription, helps some people. Stress management methods may be useful because the disease can be aggravated during times of increased psychosocial stress. Other medical treatment options address the possible hormonal etiology of hidradenitis; these options include oral contraceptive agents that contain a high estrogen-to-progesterone ratio and low androgenicity of progesterone. Corticosteroids and immunosuppressants are other treatment possibilities.

Hidradenitis Suppurativa Treatment and Prevention Tips

1 Don’t smoke.

2. Wear loose fitting clothing to avoid friction.

3. Topical anti-acne antibiotics such as clindamycin or erythromycin applied to affected areas.

4. Persistent hidradenitis lumps may be excised after several months of conservative treatment.

5. Radical excisional surgery is reserved for very severe cases of hidradenitis suppurativa.

6. ExperimentallyFeature Articles, laser ablation may be useful in some patients.

7. Systemic corticosteroids or intralesional corticosteroids may reduce severe inflammatory lesions.

8. Wash with antiseptics or acne preparations to reduce skin carriage of commensal bacteria.

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