What Homeowners Should Know About Carpet In Plymouth, Mn

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byAlma Abell

One aspect of having new carpet installed that is the same for everyone, is the need for padding. Padding gets a lot less thought, than the actual carpet. People feel, who cares about what is under the carpet, the actual carpet is the star of the room. However, it is important to remember, that even the best, most expensive carpet, will not look or wear as well as it should, without a good, quality padding. When you search for padding, avoid looking for the least expensive option simply because of price. This is not to say, you have to spend a fortune. Just learn all you can about a padding before making a choice. Do not simply look at price, then click here to buy, and be done with it. Be an educated consumer.

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When it comes to buying Carpet in Plymouth, MN, homeowners are faced with many decisions. The following information is designed to help make the process easier and less confusing. There are many things that you should keep in mind as you begin the search for Carpet serivces in Plymouth, MN. Choosing the best carpet for your home and your needs is an individual decision. What is perfect for your neighbor, may not be perfect for you.

Carpet pile is important. Plush is one of the most loved types of carpet. However, this is not a good option for high traffic areas. Plush shows footprints and can begin to look darker in some areas, due to a heavy traffic pattern. Berber carpet is at the opposite end of the spectrum and is dense and flat. Berber is able to withstand heavy traffic. It is one of the most durable types of carpet.

Textured carpets, have fibers of different lengths. The different fiber lengths prevent footprints, and vacuum patterns from showing up. It has a plusher feel than the Berber carpet. It hides wear and tear and dirt better than any of the other options. Therefore, it is a good choice for homes where pets and children live. One final carpet option is the Friezes type carpet. This carpet also hides dirt. Yet, it has a plusher feel when you walk on it, than the textured carpet. It also has a more casual look.

Visit Affordable Floor Installation for more details.

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US automaker bailout deal fails to pass Senate

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US automaker bailout deal fails to pass Senate

Friday, December 12, 2008

A US$14 billion bailout package deal for the “Big Three” United States automakers — Chrysler, Ford, and General Motors — has been rejected in the United States Senate after failing a procedural vote.

The bill was rejected after bipartisan discussions on the bailout broke down when Republican Party leaders insisted that the United Auto Workers (UAW) union agree to increase wage cuts by next year in order to bring their pay into line with those of Japanese automobile companies in the United States. The UAW refused to meet the demands.

The final vote count in the Senate was 52-35, eight short of the 60 needed to pass. Only ten Republicans joined forty Democrats and two independents in voting for the bill. Three Democrats voted with thirty-one Republicans against it.

Senate Majority leader Harry Reid said that he was “terribly disappointed” by the failure of the bill to pass. “I dread looking at Wall Street tomorrow. It’s not going to be a pleasant sight,” Reid said. “Millions of Americans, not only the auto workers but people who sell cars, car dealerships, people who work on cars are going to be directly impacted and affected.”

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Republican Senator Bob Corker was also unhappy about the rejection. “We were about three words away from a deal. We solved everything substantively and about three words keep us from reaching a conclusion,” he said.

Some Democrats now want U.S. President Bush to reserve a portion of the $700 billion bailout package earmarked for Wall Street to assist the flagging car industry.

Stock markets worldwide fell dramatically on the news, with Japan’s Nikkei average losing 484.68 points, or 5.6 percent, reaching a level of 8253.87 points. Shares in the auto companies Toyota, Nissan and Honda all dropped by no less than 10 percent apiece. European stocks, such as those in the United Kingdom and Germany, also lost ground, with the FTSE-100 index of leading shares falling 176.3 points to a level of 4,211 at midday.

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  • NZ man stabbed in the face with a 15-centimetre knife

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    NZ man stabbed in the face with a 15-centimetre knife

    Friday, July 7, 2006

    A 36-year-old man, who is yet to be named, is undergoing surgery after an attacker lodged a knife through one cheek and out the other. The handle broke off, leaving the 15-cm (about 6 inches) blade inside him. The man was rushed to hospital today, July 7, at about 2 a.m. NZST. The attack occurred last night after a domestic row in Albany on Auckland‘s North Shore.

    New Zealand Police report that the knife just missed his optic nerve and his condition is stable and not life threatening.

    John Chaplin, head and neck surgeon said, “the man could be treated relatively simply. The major blood vessels of the head were further back in the neck and the knife could be relatively easily removed in an operating theatre where bleeding could be controlled.”

    The police have issued an arrest warrant for Vance Paraki Tuheke, 31-year-old, in relation to the attack.

    The victim may suffer from some facial numbness.

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    Cleveland, Ohio clinic performs US’s first face transplant

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    Cleveland, Ohio clinic performs US’s first face transplant
    Posted in Uncategorized | November 13th, 2018

    Thursday, December 18, 2008

    A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

    The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

    The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

    Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

    Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

    Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

    The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

    In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

    Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

    Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

    According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

    Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

    In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

    In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

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    Al Sharpton speaks out on race, rights and what bothers him about his critics

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    Al Sharpton speaks out on race, rights and what bothers him about his critics
    Posted in Uncategorized | November 12th, 2018

    Monday, December 3, 2007

    At Thanksgiving dinner David Shankbone told his white middle class family that he was to interview Reverend Al Sharpton that Saturday. The announcement caused an impassioned discussion about the civil rights leader’s work, the problems facing the black community and whether Sharpton helps or hurts his cause. Opinion was divided. “He’s an opportunist.” “He only stirs things up.” “Why do I always see his face when there’s a problem?”

    Shankbone went to the National Action Network’s headquarters in Harlem with this Thanksgiving discussion to inform the conversation. Below is his interview with Al Sharpton on everything from Tawana Brawley, his purported feud with Barack Obama, criticism by influential African Americans such as Clarence Page, his experience running for President, to how he never expected he would see fifty (he is now 53). “People would say to me, ‘Now that I hear you, even if I disagree with you I don’t think you’re as bad as I thought,'” said Sharpton. “I would say, ‘Let me ask you a question: what was “bad as you thought”?’ And they couldn’t say. They don’t know why they think you’re bad, they just know you’re supposed to be bad because the right wing tells them you’re bad.”

    Contents

    • 1 Sharpton’s beginnings in the movement
    • 2 James Brown: a father to Sharpton
    • 3 Criticism: Sharpton is always there
    • 4 Tawana Brawley to Megan Williams
    • 5 Sharpton and the African-American media
    • 6 Why the need for an Al Sharpton?
    • 7 Al Sharpton and Presidential Politics
    • 8 On Barack Obama
    • 9 The Iraq War
    • 10 Sharpton as a symbol
    • 11 Blacks and whites and talking about race
    • 12 Don Imus, Michael Richards and Dog The Bounty Hunter
    • 13 Sources
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    Viktor Schreckengost dies at 101

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    Viktor Schreckengost dies at 101
    Posted in Uncategorized | November 11th, 2018

    Sunday, January 27, 2008

    Viktor Schreckengost, the father of industrial design and creator of the Jazz Bowl, an iconic piece of Jazz Age art designed for Eleanor Roosevelt during his association with Cowan Pottery died yesterday. He was 101.

    Schreckengost was born on June 26, 1906 in Sebring, Ohio, United States.

    Schreckengost’s peers included the far more famous designers Raymond Loewy and Norman Bel Geddes.

    In 2000, the Cleveland Museum of Art curated the first ever retrospective of Schreckengost’s work. Stunning in scope, the exhibition included sculpture, pottery, dinnerware, drawings, and paintings.

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    Fifteen people killed in attack on Nigerian college

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    Fifteen people killed in attack on Nigerian college
    Posted in Uncategorized | November 10th, 2018

    Friday, September 19, 2014

    Officials said at least fifteen people were killed in an attack on a teachers training college in the Northern Nigerian city of Kano by a group of armed gunmen on Wednesday. Over 30 others were wounded.

    News agencies have reported while there has been no claim of responsibility, suspicion will likely fall on the Islamist extremist group Boko Haram. The group has previously targeted Western-style schools within the country, including past attacks on secondary schools.

    According to official reports, police first approached the group in the area of the school, concerned about their unusual activity, and the attackers engaged police in a firefight. The attackers gained entry to the school and started throwing bombs.

    Nigerian President Goodluck Jonathan described the incident as a “dastardly attack”. He has already declared a state of emergency in three northern states, and is being criticized along with the country’s armed forces for failure to prevent extremist attacks.

    A police spokesman said police killed two attackers at the scene.

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    Three terrorists gunned down by police in India

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    Three terrorists gunned down by police in India
    Posted in Uncategorized | November 10th, 2018

    Thursday, June 1, 2006An attack against the Rashtriya Swayamsevak Sangh headquarters in Nagpur was thwarted by the Maharashtra police early today morning. The militants were driving a white Ambassador car and were armed with AK-47s. They were confronted and killed by security forces as they tried to break through the security cordon surrounding the building.

    Nagpur Police Commissioner S.P.S Yadav said that the car was chased by police after it broke through the first barrier about 200 metres away from the headquarters. When confronted, the militants opened fire and were killed after a five-minute shootout. Yadav also said that two policemen had been injured in the incident, one of whose condition was serious. The identities of the three men is yet to be established. A diary was also recovered from the terrorists.

    A high level security alert has been declared in Nagpur and other sensitive areas in the vicinity. R.S.S chief Ram Madhav urged the government to take more steps to safeguard the offices of the organisation. This is the second time the police has prevented a major terror attack from taking place in Maharashtra. Last month the Anti-Terrorist Squad had recovered 30 kilograms of RDX, 17 AK-47 rifles and 50 hand-grenades from a jeep in Aurangabad. Eleven suspected militants were also arrested.

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    Andrea Muizelaar on fashion, anorexia, and life after ‘Top Model’

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    Andrea Muizelaar on fashion, anorexia, and life after ‘Top Model’
    Posted in Uncategorized | November 10th, 2018

    Monday, November 26, 2007

    In the 18 months since Andrea Muizelaar was crowned winner of the reality TV series Canada’s Next Top Model, her life has been a complete whirlwind. From working in a dollar store in her hometown of Whitby, Ontario, to modeling haute couture in Toronto, she had reached her dream of becoming a true Top Model.

    But at what cost? Unknown to casual television viewers, Muizelaar had been enveloped in the eating disorder anorexia nervosa, which inevitably became too much for her to bear. She gave up modeling and moved back to Whitby, where she sought treatment for her disorder, re-entered college, and now works at a bank. Where is she now? Happy and healthy, she says.

    Recently Andrea Muizelaar sat down with Wikinews reporter Mike Halterman in a candid interview that stretched to nearly two hours, as she told all about her hopes and aspirations, her battle with anorexia, and just what really happened on Canada’s Next Top Model.

    Contents

    • 1 Andrea’s beginnings
    • 2 Andrea on her road to modeling, and America’s Next Top Model
    • 3 Experience on Canada’s Next Top Model
    • 4 The message she wrote to her fans on her facebook group
    • 5 Her brief modeling career
    • 6 “Happy and healthy”
    • 7 Source
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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
    Posted in Uncategorized | November 9th, 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.

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