Keep your eyes peeled for cosmic debris: Andrew Westphal about Stardust@home

Sunday, May 28, 2006

Stardust@home logoImage: Stardust@home.

Stardust is a NASA space capsule that collected samples from comet 81P/Wild (also known as “Wild 2) in deep space and landed back on Earth on January 15, 2006. It was decided that a collaborative online review process would be used to “discover” the microscopically small samples the capsule collected. The project is called Stardust@home. Unlike distributed computing projects like SETI@home, Stardust@home relies entirely on human intelligence.

Andrew Westphal is the director of Stardust@home. Wikinews interviewed him for May’s Interview of the Month (IOTM) on May 18, 2006. As always, the interview was conducted on IRC, with multiple people asking questions.

Some may not know exactly what Stardust or Stardust@home is. Can you explain more about it for us?

Artist’s rendering of Spacecraft StardustImage: NASA.

Stardust is a NASA Discovery mission that was launched in 1999. It is really two missions in one. The primary science goal of the mission was to collect a sample from a known primitive solar-system body, a comet called Wild 2 (pronounced “Vilt-two” — the discoverer was German, I believe). This is the first [US]] “sample return” mission since Apollo, and the first ever from beyond the moon. This gives a little context. By “sample return” of course I mean a mission that brings back extraterrestrial material. I should have said above that this is the first “solid” sample return mission — Genesis brought back a sample from the Sun almost two years ago, but Stardust is also bringing back the first solid samples from the local interstellar medium — basically this is a sample of the Galaxy. This is absolutely unprecedented, and we’re obviously incredibly excited. I should mention parenthetically that there is a fantastic launch video — taken from the POV of the rocket on the JPL Stardust website — highly recommended — best I’ve ever seen — all the way from the launch pad, too. Basically interplanetary trajectory. Absolutely great.

Is the video available to the public?

Yes [see below]. OK, I digress. The first challenge that we have before can do any kind of analysis of these interstellar dust particles is simply to find them. This is a big challenge because they are very small (order of micron in size) and are somewhere (we don’t know where) on a HUGE collector— at least on the scale of the particle size — about a tenth of a square meter. So

We’re right now using an automated microscope that we developed several years ago for nuclear astrophysics work to scan the collector in the Cosmic Dust Lab in Building 31 at Johnson Space Center. This is the ARES group that handles returned samples (Moon Rocks, Genesis chips, Meteorites, and Interplanetary Dust Particles collected by U2 in the stratosphere). The microscope collects stacks of digital images of the aerogel collectors in the array. These images are sent to us — we compress them and convert them into a format appropriate for Stardust@home.

Stardust@home is a highly distributed project using a “Virtual Microscope” that is written in html and javascript and runs on most browsers — no downloads are required. Using the Virtual Microscope volunteers can search over the collector for the tracks of the interstellar dust particles.

Aerogel slice removed with an ultrasonic blade, showing particle tracks.Image: NASA.

How many samples do you anticipate being found during the course of the project?

Great question. The short answer is that we don’t know. The long answer is a bit more complicated. Here’s what we know. The Galileo and Ulysses spacecraft carried dust detectors onboard that Eberhard Gruen and his colleagues used to first detect and them measure the flux of interstellar dust particles streaming into the solar system. (This is a kind of “wind” of interstellar dust, caused by the fact that our solar system is moving with respect to the local interstellar medium.) Markus Landgraf has estimated the number of interstellar dust particles that should have been captured by Stardust during two periods of the “cruise” phase of the interplanetary orbit in which the spacecraft was moving with this wind. He estimated that there should be around 45 particles, but this number is very uncertain — I wouldn’t be surprised if it is quite different from that. That was the long answer! One thing that I should say…is that like all research, the outcome of what we are doing is highly uncertain. There is a wonderful quote attributed to Einstein — “If we knew what we were doing, it wouldn’t be called “research”, would it?”

How big would the samples be?

We expect that the particles will be of order a micron in size. (A millionth of a meter.) When people are searching using the virtual microscope, they will be looking not for the particles, but for the tracks that the particles make, which are much larger — several microns in diameter. Just yesterday we switched over to a new site which has a demo of the VM (virtual microscope) I invite you to check it out. The tracks in the demo are from submicron carbonyl iron particles that were shot into aerogel using a particle accelerator modified to accelerate dust particles to very high speeds, to simulate the interstellar dust impacts that we’re looking for.

And that’s on the main Stardust@home website [see below]?

Yes.

How long will the project take to complete?

Partly the answer depends on what you mean by “the project”. The search will take several months. The bottleneck, we expect (but don’t really know yet) is in the scanning — we can only scan about one tile per day and there are 130 tiles in the collector…. These particles will be quite diverse, so we’re hoping that we’ll continue to have lots of volunteers collaborating with us on this after the initial discoveries. It may be that the 50th particle that we find will be the real Rosetta stone that turns out to be critical to our understanding of interstellar dust. So we really want to find them all! Enlarging the idea of the project a little, beyond the search, though is to actually analyze these particles. That’s the whole point, obviously!

And this is the huge advantage with this kind of a mission — a “sample return” mission.

Most missions rather do things quite differently… you have to build an instrument to make a measurement and that instrument design gets locked in several years before launch practically guaranteeing that it will be obsolete by the time you launch. Here exactly the opposite is true. Several of the instruments that are now being used to analyze the cometary dust did not exist when the mission was launched. Further, some instruments (e.g., synchrotrons) are the size of shopping malls — you don’t have a hope of flying these in space. So we can and will study these samples for many years. AND we have to preserve some of these dust particles for our grandchildren to analyze with their hyper-quark-gluon plasma microscopes (or whatever)!

When do you anticipate the project to start?

We’re really frustrated with the delays that we’ve been having. Some of it has to do with learning how to deal with the aerogel collectors, which are rougher and more fractured than we expected. The good news is that they are pretty clean — there is very little of the dust that you see on our training images — these were deliberately left out in the lab to collect dust so that we could give people experience with the worst case we could think of. In learning how to do the scanning of the actual flight aerogel, we uncovered a couple of bugs in our scanning software — which forced us to go back and rescan. Part of the other reason for the delay was that we had to learn how to handle the collector — it would cost $200M to replace it if something happened to it, so we had to develop procedures to deal with it, and add several new safety features to the Cosmic Dust Lab. This all took time. Finally, we’re distracted because we also have many responsibilities for the cometary analysis, which has a deadline of August 15 for finishing analysis. The IS project has no such deadline, so at times we had to delay the IS (interstellar, sorry) in order to focus on the cometary work. We are very grateful to everyone for their patience on this — I mean that very sincerely.

And rest assured that we’re just as frustrated!

I know there will be a “test” that participants will have to take before they can examine the “real thing”. What will that test consist of?

The test will look very similar to the training images that you can look at now. But.. there will of course be no annotation to tell you where the tracks are!

Why did NASA decide to take the route of distributed computing? Will they do this again?

I wouldn’t say that NASA decided to do this — the idea for Stardust@home originated here at U. C. Berkeley. Part of the idea of course came…

If I understand correctly it isn’t distributed computing, but distributed eyeballing?

…from the SETI@home people who are just down the hall from us. But as Brian just pointed out. this is not really distributed computing like SETI@home the computers are just platforms for the VM and it is human eyes and brains who are doing the real work which makes it fun (IMHO).

That said… There have been quite a few people who have expressed interested in developing automated algorithms for searching. Just because WE don’t know how to write such an algorithm doesn’t mean nobody does. We’re delighted at this and are happy to help make it happen

Isn’t there a catch 22 that the data you’re going to collect would be a prerequisite to automating the process?

That was the conclusion that we came to early on — that we would need some sort of training set to be able to train an algorithm. Of course you have to train people too, but we’re hoping (we’ll see!) that people are more flexible in recognizing things that they’ve never seen before and pointing them out. Our experience is that people who have never seen a track in aerogel can learn to recognize them very quickly, even against a big background of cracks, dust and other sources of confusion… Coming back to the original question — although NASA didn’t originate the idea, they are very generously supporting this project. It wouldn’t have happened without NASA’s financial support (and of course access to the Stardust collector). Did that answer the question?

Will a project like this be done again?

I don’t know… There are only a few projects for which this approach makes sense… In fact, I frankly haven’t run across another at least in Space Science. But I am totally open to the idea of it. I am not in favor of just doing it as “make-work” — that is just artificially taking this approach when another approach would make more sense.

How did the idea come up to do this kind of project?

Really desperation. When we first thought about this we assumed that we would use some sort of automated image recognition technique. We asked some experts around here in CS and the conclusion was that the problem was somewhere between trivial and impossible, and we wouldn’t know until we had some real examples to work with. So we talked with Dan Wertheimer and Dave Anderson (literally down the hall from us) about the idea of a distributed project, and they were quite encouraging. Dave proposed the VM machinery, and Josh Von Korff, a physics grad student, implemented it. (Beautifully, I think. I take no credit!)

I got to meet one of the stardust directors in March during the Texas Aerospace Scholars program at JSC. She talked about searching for meteors in Antarctica, one that were unblemished by Earth conditions. Is that our best chance of finding new information on comets and asteroids? Or will more Stardust programs be our best solution?

That’s a really good question. Much will depend on what we learn during this official “Preliminary Examination” period for the cometary analysis. Aerogel capture is pretty darn good, but it’s not perfect and things are altered during capture in ways that we’re still understanding. I think that much also depends on what question you’re asking. For example, some of the most important science is done by measuring the relative abundances of isotopes in samples, and these are not affected (at least not much) by capture into aerogel.

Also, she talked about how some of the agencies that they gave samples to had lost or destroyed 2-3 samples while trying to analyze them. That one, in fact, had been statically charged, and stuck to the side of the microscope lens and they spent over an hour looking for it. Is that really our biggest danger? Giving out samples as a show of good faith, and not letting NASA example all samples collected?

These will be the first measurements, probably, that we’ll make on the interstellar dust There is always a risk of loss. Fortunately for the cometary samples there is quite a lot there, so it’s not a disaster. NASA has some analytical capabilities, particularly at JSC, but the vast majority of the analytical capability in the community is not at NASA but is at universities, government labs and other institutions all over the world. I should also point out that practically every analytical technique is destructive at some level. (There are a few exceptions, but not many.) The problem with meteorites is that except in a very few cases, we don’t know where they specifically came from. So having a sample that we know for sure is from the comet is golden!

I am currently working on my Bachelor’s in computer science, with a minor in astronomy. Do you see successes of programs like Stardust to open up more private space exploration positions for people such as myself. Even though I’m not in the typical “space” fields of education?

Can you elaborate on your question a little — I’m not sure that I understand…

Well, while at JSC I learned that they mostly want Engineers, and a few science grads, and I worry that my computer science degree with not be very valuable, as the NASA rep told me only 1% of the applicants for their work study program are CS majors. I’m just curious as to your thoughts on if CS majors will be more in demand now that projects like Stardust and the Mars missions have been great successes? Have you seen a trend towards more private businesses moving in that direction, especially with President Bush’s statement of Man on the Moon in 2015?

That’s a good question. I am personally not very optimistic about the direction that NASA is going. Despite recent successes, including but not limited to Stardust, science at NASA is being decimated.

I made a joke with some people at the TAS event that one day SpaceShipOne will be sent up to save stranded ISS astronauts. It makes me wonder what kind of private redundancy the US government is taking for future missions.

I guess one thing to be a little cautious about is that despite SpaceShipOne’s success, we haven’t had an orbital project that has been successful in that style of private enterprise It would be nice to see that happen. I know that there’s a lot of interest…!

Now I know the answer to this question… but a lot do not… When samples are found, How will they be analyzed? Who gets the credit for finding the samples?

The first person who identifies an interstellar dust particle will be acknowledged on the website (and probably will be much in demand for interviews from the media!), will have the privilege of naming the particle, and will be a co-author on any papers that WE (at UCB) publish on the analysis of the particle. Also, although we are precluded from paying for travel expenses, we will invite those who discover particles AND the top performers to our lab for a hands-on tour.

We have some fun things, including micromachines.

How many people/participants do you expect to have?

About 113,000 have preregistered on our website. Frankly, I don’t have a clue how many will actually volunteer and do a substantial amount of searching. We’ve never done this before, after all!

One last thing I want to say … well, two. First, we are going to special efforts not to do any searching ourselves before we go “live”. It would not be fair to all the volunteers for us to get a jumpstart on the search. All we are doing is looking at a few random views to make sure that the focus and illumination are good. (And we haven’t seen anything — no surprise at all!) Also, the attitude for this should be “Have Fun”. If you’re not having fun doing it, stop and do something else! A good maxim for life in general!

Retrieved from “https://en.wikinews.org/w/index.php?title=Keep_your_eyes_peeled_for_cosmic_debris:_Andrew_Westphal_about_Stardust@home&oldid=4608360”

Israel “illegally annexing” east Jerusalem, EU reports

Friday, December 4, 2009

Dome of Rock, East Jerusalem, 2001. Image: Padres Hana.

A classified European Union report for 2009 says Israel is actively pursuing the annexation of east Jerusalem. The report accuses Israel of implementing an intricate policy including expanding Jewish settlements and demolishing Palestinian homes. It says policies “are undermining prospects for a Palestinian capital in east Jerusalem and incrementally render a sustainable two-state solution unfeasible”; this is described as, “an integral part of a broader Israeli strategy.”

Israeli Foreign ministry spokesperson, Yigal Palmor, told AFP that the report was “dishonest”, “reflects the Palestinian propaganda” and “is based exclusively on Palestinian versions and figures.” This comes as EU foreign ministers prepare a statement on the Middle East. To allow for US initiatives, EU foreign ministers have not commented on the stalemate between Israel and the Palestinians over past months; but, diplomatic sources say there are “sensitivities” over a Swedish proposal to divide Jerusalem in any peace deal.

Israel is, by practical means, actively pursuing its illegal annexation of east Jerusalem by weakening the Palestinian community in the city, impeding Palestinian urban developments and ultimately separating east Jerusalem from the rest of the West Bank.

Citing official Israeli statistics from the Ministry of Interior executive director of Israel’s HaMoked (Center for the Defence of the Individual) said Wednesday that, “Israel has stripped Palestinians of Jerusalem residency status last year at a faster rate than at any time in the history of the state”. 4,577 residents of East Jerusalem have had their residence revoked in 2008, this is more than half the total revoked in the past 40 years. The Jerusalem municipality places severe restrictions on issuing building permits for Palestinian houses in east Jerusalem, since 2000 over 600 Palestinian-owned structures have been demolished and Palestinians receive fewer than 200 of the 1,500 building permits needed per year.

Developments in east Jerusalem in 2009 were marked by the continued expansion of Israeli settlements and a considerable number of Palestinian house demolitions and eviction orders.

The 14-page annual report dated November 23 was drafted by European envoys and consuls in Jerusalem and Ramallah and presented to Brussels EU institutions a few days ago. This is the first time the annual report has been made public. Haaretz says, in the past, Israel has pressed the EU not to publish fearing it would undermine the European public’s view of Israel. The report was leaked to Israel’s Haaretz daily newspaper and obtained by AFP yesterday.

HAVE YOUR SAY
What measures should the EU take to protest Israeli policy, help Arab residents and stop “settlement activity” in East Jerusalem?
Add or view comments
The expansion of Israeli settlements has sparked a trend of settler violence against the Palestinian population in East Jerusalem. Such criminal actions have been witnessed by Israeli police but are not met with adequate intervention.

The EU report claims the Israeli government and Jerusalem municipality discriminate against Arab residents with regard to building permits, health services, education, sanitation and more. Allegations of assisting private right-wing Jewish organisations, such as Ateret Cohanim and Elad, to alter the city’s demographics are included.The report advises sanctions against people and groups involved in “settlement activity”, and taking other measures to protest Israeli policy and to stop the harming of the Arab population, including an “EU presence at Israeli court cases on house demolitions or evictions of Palestinian families when there is a risk of demolition or eviction of Palestinian families”, and “information sharing on violent settlers in East Jerusalem to assess whether to grant entry to the EU.” The report also recommends implementing measures to strengthen the Palestinian National Authority‘s presence in the city.

Archaeological excavations in Jerusalem near the Temple Mount are mentioned, suggesting “archaeology in this case has become an ideologically motivated tool of national and religious struggle carried out in a manner that modifies the identity and character of the city and threatens to undermine its stability.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Israel_%22illegally_annexing%22_east_Jerusalem,_EU_reports&oldid=2499397”

CanadaVOTES: NDP candidate Hana Razga running in Edmonton—Leduc

Tuesday, September 23, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. New Democratic Party candidate Hana Razga is standing for election in the riding of Edmonton—Leduc. Born in London, England to Czechoslovakian parents, she immigrated to Canada in 1968, having a long career in human resources with the federal government. She is a volunteer for organizations including the Alberta Women’s Shelter, Big Sisters and Match International. She has previously run in campaigns three times provincially for the NDP, and once federally.

Wikinews contacted Hana Razga, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

Created in 2004, the riding consists of southwest Edmonton, the City of Leduc, the Town of Devon, and the surrounding area. Contesting Conservative incumbent James Rajotte are Razga, Valerie Kennedy (Green), and Donna Lynn Smith (Liberal).

For more information, visit the campaign’s official website, listed below.

Retrieved from “https://en.wikinews.org/w/index.php?title=CanadaVOTES:_NDP_candidate_Hana_Razga_running_in_Edmonton—Leduc&oldid=4517998”

Albert Pujols ends his worst homerun drought

Tuesday, May 8, 2012

Pujols hit a home run in Sunday’s baseball game between the Anaheim Angels and the Toronto Blue Jays Image: Marianne O’Leary.

Dominican baseball player Albert Pujols earned his first home run after joining the Los Angeles Angels of Anaheim.

Besides hitting his 446th Major League home run, Pujols ended a personal drought by claiming his first regular-season long ball after 33 games and 139 plate appearances, including his last St. Louis Cardinals at-bats. Pujols snapped back at Anaheim and capped a 4-3 home-team win against the Toronto Blue Jays at the Angel Stadium of Anaheim.

The Dominican first baseman now has a career 1,336 runs batted in and a .326 batting average. Previously, Pujols had played for St. Louis for 11 seasons.

Since playing for the Angels, Pujols has been booed by Anaheim fans after his hits slipped to a .194 average over the past month. Pujols came to his new team with high expectations after signing a contract worth US$240 million.

For his part, Pujols offered the following explanation for his performance: “This game is about making adjustments and being patient…”

Retrieved from “https://en.wikinews.org/w/index.php?title=Albert_Pujols_ends_his_worst_homerun_drought&oldid=4517717”

Ontario Votes 2007: Interview with Libertarian candidate Larry Stevens, Kitchener-Conestoga

Thursday, October 4, 2007

Larry Stevens is running for the Libertarian Party in the Ontario provincial election, in the Kitchener-Conestoga riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Retrieved from “https://en.wikinews.org/w/index.php?title=Ontario_Votes_2007:_Interview_with_Libertarian_candidate_Larry_Stevens,_Kitchener-Conestoga&oldid=722516”

Gunmen, police clash in south Russian republic of Kabardino-Balkaria

Thursday, October 13, 2005Clashes between gunmen and police have broken out in the capital of the southern Russian republic of Kabardino-Balkaria where Chechen rebels claimed responsibility for the insurgency.

The fighting in Nalchik started after a coordinated set of attacks were carried out against city security forces and police stations. The airport and government buildings were also targeted. The strike is believed to have come from anywhere between 60 to 500 insurgents. The insurgents used heavy arms fire, coupled with explosions at the outset, that lasted five hours. A police station has been captured and hostages taken.

According to reports from Russian press sources, 61 of the gunmen have been killed and 17 have been captured, and there may be dozens of civilian casualties. Seven policemen were also killed. Several government buildings throughout the city are on fire and some schools have been involved and evacuated accordingly.

Russian president Vladimir Putin has ordered the army to seal off the city and shoot any insurgent who tries to escape. Officials in the city are saying the situation is slowly returning to normal.

Retrieved from “https://en.wikinews.org/w/index.php?title=Gunmen,_police_clash_in_south_Russian_republic_of_Kabardino-Balkaria&oldid=4581660”

Illinois high schools now required to buy insurance for athletes

Tuesday, August 6, 2013

Illinois Governor Pat Quinn Image: Chris Eaves.

This past Sunday, Illinois Governor Pat Quinn signed into law a bill known as “Rocky’s Law” that requires Illinois high schools, through the local school district, to buy catastrophic injury insurance up to US$3 million or medical costs for up to five years, whichever one comes first, that covers student athletes. The insurance must cover student athletes while they are competing.

The legislation was named after Rasul “Rocky” Clark. In 2000, the Eisenhower High School football player became paralyzed from the waist down as a result of a tackle during a game. His school based health insurance covered the costs of his medical treatment. A legislator sponsoring the bill noted that the need for this type of insurance is rare. Clark’s mother attended the legislation signing. Her son died last year.

Before parents can claim money from school insurance, they first must pay out US$50,000. Schools have until January 1, 2014 to comply with the law. Schools cannot charge students more than US$5 to defray the cost of insurance. If a school district already requires student to be covered through private health insurance, they are exempted from this law.

Retrieved from “https://en.wikinews.org/w/index.php?title=Illinois_high_schools_now_required_to_buy_insurance_for_athletes&oldid=1970513”

Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

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.

Total complaints against mortgage companies by state Image: Laura Hale.

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.

For the top 5 lenders by volume of complaints, the percentage of complaint types against them. Image: Laura Hale.

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.

By state complaints against mortgage lenders by monthImage: Laura Hale.

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.

Retrieved from “https://en.wikinews.org/w/index.php?title=Bank_of_America_leads_Consumer_Financial_Protection_Bureau_complaints_about_mortgages&oldid=3250043”

Adam Air hits severe financial problems; may be shut down in three weeks

Monday, March 17, 2008

This B737-400 is roughly comparable to the aircraft involved in all the accidents mentioned in this story.

Indonesian budget airline Adam Air has been given a three-week ultimatum by the authorities to prove its economic stability or its license will be revoked, said Transportation Minister Jusman Djamal. This is because major financial difficulties have become apparent today, with two major shareholders pulling out of the company.

PT Global Transport Service (GTS) and Bright Star Perkasa, who between them own a 50% stake in the company, have decided to sell back all their shares to their original owners, who control the other 50%. These are the family of founder Adam Suherman and Sandra Ang.

The companies invested in the airline last year, when the company was struggling after the New Year’s Day disappearance of Adam Air Flight 574 with 102 on board. The Boeing 737 (B737) was ultimately determined to have crashed into the sea near Sulawesi, and all on board are presumed dead. Shortly afterwards, Adam Air Flight 172, another B737, snapped in half during a hard landing, but held together preventing fatalities. These were not the first serious accidents for the company, as in February 2006 Flight 782 became lost for several hours after navigation systems failed and the plane entered a radar blackspot, forcing a subsequent emergency landing many miles from the intended route. The given reasons for the withdrawal are a lack of improvement in safety and financial irregularities.

The company has now also defaulted on debt payments to aircraft lease firms, resulting in 12 of their 22 planes being seized, and has cut the number of routes served from 52 to 12. The remaining ten planes are also in default and at risk of seizure. Adam Air owes leasing companies US$14 million compared to free capital of $4.8 million of free capital. They have agreed to buy back shares gradually for $11 million (100 billion rupiah), $6 million less than the investment firms paid for them. The cost difference will be borne by Harry Tanoesoedibyo’s family, the founder of PT Bhakti Investama, of which GTS is a wholly owned subsidiary. The companies have also lost 157 billion rupiah worth of investment in the company since the April 2007 deal. 9,325 Rupiah are currently worth US$1.

GTS director Gustiono Kustianto said that “Since we joined, our priority has been safety” but that Adam Air’s management had been unresponsive to pressure from the new investors to improve its poor record. Last weeek another company B737 shot off the runway during landing, damaging the plane and injuring five.

Lawyer Marx Andryan of Hotman Paris Hutapea, representing the investment firms, said they have documents proving the company has not adequatly seen to pilot recruitment, maintenance and insurance.

Suherman said “We have defaulted and the investors have done nothing about it. We’ll continue to operate as long as we have planes,” adding that there are no current plans to declare bankruptcy.

“Out of 22 planes, now we only have 10 because 12 of them have been declared in default. The other 10 have been declared in default as well, but I’m still trying to work out a way to restructure the payments,” he told Reuters. He went on to say that a cash injection is required, and that “There is a possibility starting on March 21 Adam Air will temporarily cease operations until there is a decision from the shareholders regarding the insurance premium.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Adam_Air_hits_severe_financial_problems;_may_be_shut_down_in_three_weeks&oldid=4273168”

2008 TaiSPO: Interview with Ideal Bike Corporation and Gary Silva

Friday, March 28, 2008

2008 Taipei International Cycle Show (Taipei Cycle) & Taipei International Sporting Goods Show (TaiSPO) not only did a best reunion with conjunctions of the launch of Taipei World Trade Center Nangang Exhibition and the concurrent cycling race of 2008 Tour de Taiwan but also provide opportunities and benefits for sporting goods, bicycle, and athlete sports industries to establish the basis of the sourcing center in Asia and notabilities on the international cycling race.

Although the Taipei cycle was split from the TaiSPO since 1988, but the trends of sporting good industry in Taiwan changed rapidly and multiply because of modern people’s lifestyles and habits. After the “TaiSPO Innovation Award” was established since 2005, the fitness and leisure industries became popular stars as several international buyers respected on lifestyle and health.

For example, some participants participated Taipei Cycle and TaiSPO with different product lines to do several marketing on bicycle and fitness equipments, this also echoed the “Three New Movements” proposed by Giant Co., Ltd. to make a simple bicycle with multiple applications and functions. As of those facts above, Wikinews Journalist Rico Shen interviewed Ideal Bike Corporation and Gary Silva, designer of “3G Steeper” to find out the possibilities on the optimizations between two elements, fitness and bicycle.

Retrieved from “https://en.wikinews.org/w/index.php?title=2008_TaiSPO:_Interview_with_Ideal_Bike_Corporation_and_Gary_Silva&oldid=4608359”