The Mortgage Lender Implode-O-Meter – tracking the housing finance breakdown, related to Alt-A and subprime


Housing Economic Crisis News Picks

  • Square Cash is letting some users buy and sell Bitcoin – [2017-11-15]
  • Household debt rises by $116 billion as credit-card delinquencies pile up – [2017-11-15]
  • Richest 1% own over half the world’s wealth – [2017-11-15]
  • After periodic drops of 20 percent, bitcoin tends to come back even stronger – [2017-11-14]
  • Venezuela’s Bondholder Meeting Is a Bust as S P Declares Default – [2017-11-14]
  • Ray Dalio Buys $500 Million In Gold EFTs In Q3 – [2017-11-14]
  • Subprime Auto Delinquency Is Near Crisis Levels at Non-Bank Lenders – [2017-11-14]
  • How to Break Out of Our Long National Tax Nightmare – [2017-11-13]
  • The Cattiness Of Wells Fargo Executives Rivals The Ladies From Dynasty – [2017-11-13]
  • Debt swap problems pile up in China – [2017-11-12]

Latest Posts from the ML Forum!

Go to the forum!

Imploded* Lenders™

About The Implode-o-Meter

ML-Implode.com was created in late 2006 to raise the alarm about the then-burgeoning implosion of the historically-epic housing and economic bubble. Started as a modest web page created by founder Aaron Krowne, this objective was achieved by, uniquely, tracking the in-progress implosion of independent mortgage lending companies then being ignored by a mainstream media in denial of even the existence of the housing bubble. At that time, you were more likely to hear a partyline of “housing always goes up” and juvenile jeers of “bubbles are for bathtubs” from TV’s talking heads, than of even slight concern about a clearly-overextended, already-frozen housing market.

Operated as a broadly-open community forum, ML-Implode quickly took the lead in news about the mortgage implosion and subprime crisis, as industry professionals flocked to the site to share and find out the latest. The site even became, in part, a whistleblower platform, fighting (and winning) half a dozen lawsuits to defend the right of its contributors to post about corruption and malfeasance in financial companies, and be able to do so confidentially.

Despite its initial incarnation being rendered insolvent by these frivolous legal attacks, ML-Implode continues today in a stripped-down, lean-and-mean embodiment, remaining dedicated to tracking the fallout of the 2007-2008 credit crisis. This mission includes keeping tabs on recession/depressionary conditions, the policy response to the economic downturn and continued financial instability, the Fed and other global central bank interventions (including “ZIRP” and quantitative easing), actions and reforms of the monetary authorities, market manipulation (official and private sector), all global geopolitical conflict with economic roots, the evolution of the banking and monetary system (including dollar-alternative “reserve currencies”, gold, silver, and bitcoin and other “virtual currencies”), the effect of the economic turmoil on society, basic themes of economic fairness and justice, and much more.

We continue to doggedly watch all of these interconnected topic areas, daily picking the most important stories and commentaries, and bringing them together in a convenient and comprehensible form on this site. If you share our concerns, utilize one of the icons at the top of this page to “follow” us by twitter, RSS, email, and more.

Featured

Central mortgage company


CENTRAL MORTGAGE COMPANY #mortgage #calculator #amortization #table


#central mortgage company

#

CENTRAL MORTGAGE COMPANY

Your ads will be inserted here by

Easy Plugin for AdSense .

Please go to the plugin admin page to
Paste your ad code OR
Suppress this ad slot .

In our economic depressive state, a mortgage loan calculator or mortgage rate calculator is usually learn what your Mortgage rate and home payments is going to be if and when you determine to buy a home and be a home owner or to remain a renter.

Mortgage rate calculators can be very misleading unless you add the PITI which stands for Principal and Interest on your mortgage loan.

The mortgage loan interest rate you pay depends on the Lender Bank which are different depending on which State and county your home is in.

You also need to take into consideration the monthly payments, including PITI, that s Principle plus interest, property fees, and home insurance premiums.

In the event you get approved, you will need to visit to your mortgage closing with any Title Closing Company or an attorney, usually a real estate legal professional.

At your mortgage loan shutting down, you will need to sign a great deal of documents without being able to learn to read them. This is how the financial institution or Bank commits the mortgage loan fraud.

The Lender knows that if you read the mortgage and also note, you probably would not sign these two documents and learn the fraudulence being perpetrated upon you and also rob you.

Your ads will be inserted here by

Easy Plugin for AdSense .

Please go to the plugin admin page to
Paste your ad code OR
Suppress this ad slot .

Another way the lender or bank robs you, this time out of the equality, when you try to sell your house afterwards, because of the appraisal fraud the lender plays on you before your closing.

The Lender or bank uses the appraiser that always appraise the exact property at the asking price, even though the houses within the same neighborhood are priced or have sold for significantly less; thus, an inflated sale price hence the lender or bank makes more money.

At your mortgage closing, being a borrower, your bank will have to send a cashier s check made out towards title escrow closing company or attorney through your lender bank, because you, for the reason that borrower, do not receive any loan through your lender or bank. Also your bank that provided you the so-called loan had written the check or transfer of funds towards Title Escrow Closing Company or the Closing Attorney and never to you; therefore, they gotten the loan not you.

The title company or attorney receives the mortgage loan that your bank was supposed to lend you you have to pay back with Interest with your hard earned dollars for 30 years, but

There s no money since 1933 when america became the UNITED STATES Corporation using the elimination of the Silver and gold Standard.

This is the same time where President Roosevelt took the electricity from Congress, against the Constitution FOR the united states of america and, appointed a private business, a Central Bank known for the reason that Federal Reserve, to print and create debts notes and charge a fee make use of these fraud notes that is collected by the IRS, what everyone takes regarding granted, as money, which are 1. 9 cents, the cost of printing, of worthless pieces of paper in the form of Promissory Notes, much like the Mortgage Promissory Note you ll be signing at your closing without the disclosures under the law.

That you can see, a mortgage rate calculator for a mortgage loan can be very misleading unless you know the actual amount of property taxes as well as the mortgage home owner insurance to recognise what your monthly payments might be.

Since there are countless problems, omissions, non-disclosures, and legalities your lender and title company made at the closing, you can make them pay by having your mortgage lien removed. It is best to use a good mortgage lien removal firm.

Related Terms : Central Mortgage Company. can i refinance my home loan, cost of refinancing a mortgage, home loans refinancing, home mortgage refinance loans, home refinance, house loan refinance, how soon can you refinance your mortgage, mortgage refinance lenders, qualifications for refinancing a mortgage, refinance 15 year mortgage, refinance my mortgage, where to refinance mortgage


Consumer Experience for SunTrust Mortgage – BBB serving Central Virginia #arm #rates


#suntrust mortgage rates

#

SunTrust Mortgage

What is a BBB Business Review?

We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.

About BBB Business Review Content & Services:

Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
Not all enhanced content & services are available at all Better Business Bureaus.

Professional Affiliations X

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

Thank you for your feedback!

BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.

Find a Location X

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business’ reliability or performance, and BBB recommends that consumers consider a business’ BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Closure Definitions

Complaint resolved through BBB process BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

Industry Comparison Chart X

The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB s database of businesses located in Central Virginia. Businesses may engage in more than one type of business.


All consumer complaints resolved for Central Mortgage Company – Arkansas BBB #fha #mortgage #rate


#central mortgage company

#

Central Mortgage Company

Complaint
Central Mortgage will not acknowledge that they have received my proof of homeowners insurance that has been email to them numerous times.
Central Mortgage refuses to acknowledge receipt of my proof of homeowners insurance and continues to harass me in writing threatening to apply their own expensive hazard insurance.

My loan number is: XXXXXXXXXX

My insurance is State Auto policy #HCT XXXXXXX

My insurance agent faxed the policy to them on Nov. 11. She then emailed it again to them on Nov. 21 when they claimed they did not have it.

I also called them the evening of November 20 and spoke directly to them and gave them all the information on my insurance and referenced the Nov. 11 fax.

I have an email trail on all of the above correspondence by my insurance agent.

I received a letter dated November 27 from Central Mortgage requesting proof of insurance and threatening to place expensive hazard insurance on my loan.

This is the second year in a row that I have spent a month dealing with them to have them acknowledge my homeowners insurance.

They are harassing me. I want immediate acknowledgement in writing by Central Mortgage Co. of receipt of my homeowners insurance policy.

My next **** is placing a written complaint with AK Attorney General ****** ******** and CT Attorney General ****** ******* This will be done through my attorney in CT.

Desired Settlement
Immediate acknowledgement in writing by Central Mortgage Company that they have received proof of my homeowners insurance and therefore they will not be applying duplicative hazard insurance on my mortgage.

A letter dated 11/18/13 was sent to the customer. It was a courtesy reminder that proof of insurance coverage for the upcoming year had not been received. The letter is not intended to harass our customers.
The customer called in to CMC 11/21/13 to advise she had changed insurance carriers.
The customer called in to CMC 12/2/13. She forwarded an email to us that contained proof of coverage from 11/15/13 to 11/15/14.
A letter dated 11/7/14 was sent to the customer. It was a courtesy reminder that proof of insurance coverage for the coming year had not been received. The letter is not intended to harass our customers.
On 11/11/14 insurance information was received for the time period of 11/15/13 to 11/15/14.
A call was made to the customer on 11/20/14 and a message was left that what was received was not acceptable.
The customer called in 11/20/14 and stated she would resend the evidence of insurance.
CMC did not receive any further information until 12/3/14 when a binder for 30 days (11/15/14 to 12/15/14) was received.
The customer called in 12/5/14 to verify that updated insurance coverage had been received.
A call was made to the insurance company 12/8/14 to obtain a declaration page confirming coverage from 11/15/14 to 11/15/15. It was received.

We feel this is a thorough response to the customer’s complaint. However, if further information is required do not hesitate to contact our office.

Billing / Collection Issues

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

Additional Phone Numbers

Closure Definitions

Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

BBB began including text of consumer complaints and business responses in BBB Business Reviews on July 1, 2013 for complaints filed on that date and thereafter. This includes all complaints that meet our reporting guidelines and that are filed electronically. We also report on the resolution of the complaint, as determined by BBB.

Industry Tips for Mortgage Bankers

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

About BBB Business Review Content and Services

Some Better Business Bureaus offer additional content and services in BBB Business Reviews. The additional content and services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release. Not all enhanced content and services are available at all Better Business Bureaus.

Thank you for your feedback.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience


SunTrust Mortgage Review – Mortgage Bankers in Richmond, VA – BBB Business Review – BBB


#sun trust mortgage

#

BBB Accreditation

A BBB Accredited Business since

BBB has determined that SunTrust Mortgage meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business’ products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business’ product quality or competency in performing services.

Reason for Rating

Factors that raised the rating for SunTrust Mortgage include:

  • Length of time business has been operating
  • Response to 202 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

202 complaints closed with BBB in last 3 years | 78 closed in last 12 months

Government Actions

United States of America v. SunTrust Mortgage Inc.
Date of Action: 17.06.2014
The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

On June 17, 2014, the US Department of Justice and the Consumer Financial Protection Bureau filed a Consent Judgment in the United States District Court for the District of Columbia. SunTrust Mortgage has agreed to pay $550 million as part of a class action settlement. The action settles allegations that Suntrust Mortgage is in violation of federal law prohibiting misconduct in the servicing of mortgages. The matter was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. For more details go to http://files.consumerfinance.gov/f/201406_cfpb_consent-judgement_sun-trust.pdf .

Advertising Review

BBB has nothing to report concerning SunTrust Mortgage s advertising at this time.

Additional Information

BBB file opened: декабря 04, 2008 Business started: 12.08.1865 in VA Business incorporated 03.01.1927 in VA

Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

National Mortgage Licensing System

Type of Entity
Contact Information

All consumer complaints resolved for Central Mortgage Company – Arkansas BBB #pre #approved #mortgage


#central mortgage company

#

Central Mortgage Company

Complaint
Central Mortgage will not acknowledge that they have received my proof of homeowners insurance that has been email to them numerous times.
Central Mortgage refuses to acknowledge receipt of my proof of homeowners insurance and continues to harass me in writing threatening to apply their own expensive hazard insurance.

My loan number is: XXXXXXXXXX

My insurance is State Auto policy #HCT XXXXXXX

My insurance agent faxed the policy to them on Nov. 11. She then emailed it again to them on Nov. 21 when they claimed they did not have it.

I also called them the evening of November 20 and spoke directly to them and gave them all the information on my insurance and referenced the Nov. 11 fax.

I have an email trail on all of the above correspondence by my insurance agent.

I received a letter dated November 27 from Central Mortgage requesting proof of insurance and threatening to place expensive hazard insurance on my loan.

This is the second year in a row that I have spent a month dealing with them to have them acknowledge my homeowners insurance.

They are harassing me. I want immediate acknowledgement in writing by Central Mortgage Co. of receipt of my homeowners insurance policy.

My next **** is placing a written complaint with AK Attorney General ****** ******** and CT Attorney General ****** ******* This will be done through my attorney in CT.

Desired Settlement
Immediate acknowledgement in writing by Central Mortgage Company that they have received proof of my homeowners insurance and therefore they will not be applying duplicative hazard insurance on my mortgage.

A letter dated 11/18/13 was sent to the customer. It was a courtesy reminder that proof of insurance coverage for the upcoming year had not been received. The letter is not intended to harass our customers.
The customer called in to CMC 11/21/13 to advise she had changed insurance carriers.
The customer called in to CMC 12/2/13. She forwarded an email to us that contained proof of coverage from 11/15/13 to 11/15/14.
A letter dated 11/7/14 was sent to the customer. It was a courtesy reminder that proof of insurance coverage for the coming year had not been received. The letter is not intended to harass our customers.
On 11/11/14 insurance information was received for the time period of 11/15/13 to 11/15/14.
A call was made to the customer on 11/20/14 and a message was left that what was received was not acceptable.
The customer called in 11/20/14 and stated she would resend the evidence of insurance.
CMC did not receive any further information until 12/3/14 when a binder for 30 days (11/15/14 to 12/15/14) was received.
The customer called in 12/5/14 to verify that updated insurance coverage had been received.
A call was made to the insurance company 12/8/14 to obtain a declaration page confirming coverage from 11/15/14 to 11/15/15. It was received.

We feel this is a thorough response to the customer’s complaint. However, if further information is required do not hesitate to contact our office.

Billing / Collection Issues

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

Additional Phone Numbers

Closure Definitions

Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

BBB began including text of consumer complaints and business responses in BBB Business Reviews on July 1, 2013 for complaints filed on that date and thereafter. This includes all complaints that meet our reporting guidelines and that are filed electronically. We also report on the resolution of the complaint, as determined by BBB.

Industry Tips for Mortgage Bankers

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

About BBB Business Review Content and Services

Some Better Business Bureaus offer additional content and services in BBB Business Reviews. The additional content and services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release. Not all enhanced content and services are available at all Better Business Bureaus.

Thank you for your feedback.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience


Central Auto Recycling Specialists – Wichita Auto Salvage #scion #tc #brake #fluid, #auto #salvage #yard


#

Wichita’s Auto Salvage Experts

Central Auto Recycling Specialists supplies repair shops, garages, body shops, auto dealerships, and retail customers with the highest quality new, aftermarket and used auto parts in Wichita and the surrounding areas. Our auto salvage yard is clean and our auto recycling practices are environmentally sound. Contact us today for a price quote or visit us on north Broadway in Wichita KS.

If we don’t have your part in stock, we will quickly locate it for you.

Over 250,000 Auto Parts

Cars, trucks, SUVs and motorcycles; we sell quality new and used auto parts you need at affordable prices. Our inventory of parts is huge and covers all domestic makes and models. Looking for a foreign part, if we don’t have it, we’ll get it quickly and for less.

We Buy Used Auto Parts Cars

While Central Auto Recycling Specialists has over 87,000 sq.ft. of quality new and used parts for sale, we also buy old junkers and unwanted auto parts. Contact us today about disposing of your old vehicle or pile of miscellaneous auto parts, we’ll gladly take them off your hands.

Aftermarket Parts

Looking to repair or upgrade your car, truck, SUV or motorcycle with aftermarket parts? We carry a variety of filters, switches, plugs and more. Give us a call today about your specific needs. If we don’t have it, we’ll order it at no extra cost.

Central Auto Recycling Specialists

Located just south of 35th street on north Broadway in Wichita Kansas, Central Auto Recycling Specialists is a new kind of auto salvage company. We are dedicated to providing you with the best customer service and the highest quality new, used and aftermarket auto parts in Wichita Kansas.

2017 Central Auto Recycling Specialists. All rights reserved.


Savings Accounts #bank, #banking, #community, #hillsdale, #jackson, #lenawee, #michigan, #south #central #michigan, #county #national #bank,


#

  • About CNB
    • Corporate Profile
    • Offices and ATMs
    • Financial Education
    • Privacy Policy
    • Properties for Sale
    • Financial Reports
    • CNB on the Radio
    • Employment Opportunities
    • Shareholder Information
    • News Releases
  • Personal Services
    • Personal Online Banking
    • Checking Accounts
    • Savings Accounts
    • Personal Loans
    • Mortgages
    • iHelp Student Loans
    • Certificate of Deposit
    • CDARS
    • ATM Debit Cards
    • Credit Cards
    • Health Savings Accounts
    • Insurance Services
    • Telebanc
    • Debit Card/ATM Overdraft Coverage
    • Mobile Banking
  • Business Services
    • Business Online Banking
    • Business Checking Accounts
    • Savings Accounts
    • Business Loans
    • Certificate of Deposit
    • CDARS
    • Business ATM Debit Cards
    • Business Credit Cards
    • CNB Remote Deposit
    • Credit Card Processing
    • Health Savings Accounts
    • Telebanc
    • ACH/Cash Management
    • Retirement Plans
    • Insurance Services
  • Trust Services
    • Trust Investment Services
    • Retirement Planning
    • Online Statement
  • Customer Support
    • Contact
    • Request ATM Debit Card
    • Lost Card Help
    • Maintenance Schedule
    • Security Tips
    • Order Checks Online
    • FAQ
  • Home
  • E-Newsletter
  • E-Statements
  • Locations

Savings Accounts

County National Bank offers several savings plans and certificates of deposit to help your money grow over time. Plus, CNB savings accounts include a free ATM card, 24-hour access to your money, and unlimited transactions at all CNB ATMs (up to your daily limit).

Please visit or call one of our offices to open your savings account or the toll-free number at 888-322-1088 if you have any questions.

Enroll in FREE Personal Online Banking

Personal ATM Debit Cards

Personal Checking Accounts

Locations

Contact Us

FDIC-EDIE calculator


Central Air Conditioners Ratings: Best Rated Central AC #central #air #conditioner #ratings, #best #rated #central


#

Central Air Conditioners. Ratings of Sources

1. ConsumerReports.org Central Air Conditioning Brand Reliability, Editors of ConsumerReports.org, Not Dated

ConsumerReports.org does not test central air conditioners, but it does evaluate the reliability of different brands, including American Standard, Bryant, Trane Lennox, Carrier and others. In the most recent survey, more than 14,000 readers who bought central air conditioning units between 2009 and 2016 reported on whether the units needed repairs by the fifth year of ownership.

2. EnergyStar.gov Energy Star Most Efficient 2017 — Central Air Conditioners and Air Source Heat Pumps, Editors of EnergyStar.gov, As of May 2017

This report names the most efficient central air conditioners and air source heat pumps for 2017. The list includes conventional central air systems, heat pumps, and ductless mini-split system. This is a terrific resource if the lowest ongoing energy costs are your primary concern, but other aspects, such as reliability, maintenance and initial cost, are not considered.

3. WebHVAC.com Top Rated Central Air Conditioners 2016, Editors of WebHVAC.com, As of May 2017

WebHVAC.com is a site run by a group of former HVAC contractors that “covers just about everything to do with HVAC equipment in your home, business, or environment.” Here, the editors name the 10 best central air conditioners overall for 2016 (the list had not yet been updated for 2017 at the time this report was created), which includes models from Lennox, Maytag, American Standard, Trane and more. Each short write up includes some brief information on the brand and model, including energy efficiency and warranty, but performance and reliability are not evaluated, and there’s no mention of hands-on testing or user surveys. Links lead to other lists, including top low-cost central air conditioner systems and most energy efficient air conditioners.

4. FurnaceCompare.com Central Air Conditioners, Contributors to FurnaceCompare.com, As of May 2017

FurnaceCompare.com has the largest collection of owner reviews of central air conditioners that we spotted on the web. Though there isn’t feedback on every brand, most of the top makers are profiled and receive at least some reviews — and the most popular brands get 100 or more. A list of best-rated central air conditioners for 2017 is also included. Other information, such as how to properly size your central air conditioner for your home, can be helpful, too.

5. Angie s List Difference Between Best HVAC Brands, Bill Brown, June 11, 2015

Bill Brown, an Ohio-based HVAC contractor, explains that despite the number of brands of central air conditioners available, most are made by “about six” equipment manufacturers. He adds that at the top end, differences can be small and that the biggest factor in getting the best central air conditioner is choosing the best installer. He says that one reason that certain brands such as Lennox, Trane and Carrier rise to the top in perceived quality.

6. Smarter House Cooling Systems, Editors of ACEEE.org, Not Dated

Smarter House is run by the American Council for an Energy-Efficient Economy (ACEEE), a nonprofit organization dedicated to advancing energy efficiency. Its website has a wealth of information relating to energy-efficient appliances and government tax incentive programs. This page provides advice on how to reduce your need for air conditioning, while page links lead to information on how to find a good contractor, choose a new air conditioning system and keep your air conditioner running efficiently. However, specific brands or models of central air conditioner are not evaluated or compared.

7. HVAC-Talk HVAC-Talk: Heating, Air & Refrigeration Discussion, Contributors to HVAC-Talk.com, As of May 2017

This busy online community of homeowners and HVAC professionals has lots of information about central air conditioning systems. Particularly helpful is an Ask Our Professionals (AOP) forum where homeowners can as questions about their HVAC equipment and receive answers only from recognized industry professionals that are members of the site, which helps cut down on clutter and less helpful tangents that often crop up in similar communities.

8. Energy.gov Central Air Conditioning, Editors of Energy.gov, Not Dated

This government guide explains how central air conditioning works, how to select a new air conditioning system for your home and how to ensure proper installation. Links at the bottom lead to separate articles about maintaining your air conditioner and troubleshooting common problems. It’s a very reasonable starting point for learning about technology and buying considerations, but it has no information about brands and no comparative guidance.

9. PGE.com AC Quality Installation, Editors of PGE.com, Not Dated

This guide from a California utility company advises consumers on how to choose the right central air conditioner and make sure it is properly installed. Topics include selecting a contractor, sizing your AC system to fit your home, energy efficiency ratings for air conditioners, and complying with state and local building codes. The guide does not discuss air conditioner brands or models.

10. All Systems Mechanical Top 10 Air Conditioner Brands of 2017, “Tim”, Not Dated

A California HVAC contractor shares his take on the top central air conditioner brands, and offers some general tips. Brands are ranked based factors such as reliability, customer service, features and costs. “Tim” clearly has some preferences between brands, but adds that the most systems are actually very comparable and that the biggest factor in satisfaction will come down to the contractor you hire to install it.

11. All Things HVAC Best Central Air Conditioner Reviews, Editors of All Things HVAC, Not Dated

A husband and wife team of HVAC contractors share their expertise here regarding the best central air conditioner brands of 2016. Seven top brands, and two honorable mentions are named. Elsewhere on the site you can find more in-depth reviews including more detailed pros and cons of many major brands.


Incomplete Spinal Cord Injury # #incomplete #sci, #incomplete #spinal #cord #injury, #incomplete #spinal #injury, #partial


#

Quadriplegia, incomplete 31.2% – Paraplegia, complete 28.2% – Paraplegia, incomplete 23.1% – Quadriplegia, complete 17.5%

The figures above represent the resultant permanent disability suffered by a survey of people breaking their backs and necks. These statistics show that an incomplete spinal cord injury is more prevalent than complete ones. The figures for incomplete spinal cord injury may indeed be much higher because they don’t take account of those people who have been treated by general hospitals instead of a specialist spinal injuries unit. Today advances in medical knowledge and patient management at the scene of an injury mean a lot more people will survive what used to be a fatal injury. These advances, critically in patient management are leading to a greater prevalence of incomplete injuries too.

An incomplete spinal cord injury is the term used to describe damage to the spinal cord that is not absolute. The incomplete injury will vary enormously from person to person and will be entirely dependant on the way the spinal cord has been compromised.

The true extent of many incomplete injuries isn’t fully known until 6-8 weeks post injury. The spinal cord normally goes into what is called spinal shock after it has been damaged. The swelling and fluid masses showing on any resultant X-ray, MRI or CT scans, may well mask the true nature of the underlying injury. It is not uncommon for someone who is completely paralysed at the time of injury to get a partial or very near full recovery from their injuries after spinal shock has subsided.

Types of Incomplete Spinal Injury
An incomplete lesion is the term used to describe partial damage to the spinal cord. With an incomplete lesion, some motor and sensory function remains. People with an incomplete injury may have feeling, but little or no movement. Others may have movement and little or no feeling. Incomplete spinal injuries differ from one person to another because the amount of damage to each person�s nerve fibres is different.

The effects of incomplete lesions depend upon the area of the cord (front, back, side, etc) affected. The part of the cord damaged depends on the forces involved in the injury.

Anterior Cord Syndrome: is when the damage is towards the front of the spinal cord, this can leave a person with the loss or impaired ability to sense pain, temperature and touch sensations below their level of injury. Pressure and joint sensation may be preserved. It is possible for some people with this injury to later recover some movement. This is a type of incomplete spinal cord injury

Central Cord Syndrome: is when the damage is in the centre of the spinal cord. This typically results in the loss of function in the arms, but some leg movement may be preserved. There may also be some control over the bowel and bladder preserved. It is possible for some recovery from this type of injury, usually starting in the legs, gradually progressing upwards. This is a type of incomplete spinal cord injury

Posterior Cord Syndrome: is when the damage is towards the back of the spinal cord. This type of injury may leave the person with good muscle power, pain and temperature sensation, however they may experience difficulty in coordinating movement of their limbs. This is a type of incomplete spinal cord injury

Brown-S quard syndrome: is when damage is towards one side of the spinal cord. This results in impaired or loss of movement to the injured side, but pain and temperature sensation may be preserved. The opposite side of injury will have normal movement, but pain and temperature sensation will be impaired or lost. This is a type of incomplete spinal cord injury

Cauda equina lesion: The Cauda Equina is the mass of nerves which fan out of the spinal cord at between the first and second Lumbar region of the spine. The spinal cord ends at L1 and L2 at which point a bundle of nerves travel downwards through the Lumbar and Sacral vertebrae. Injury to these nerves will cause partial or complete loss of movement and sensation. It is possible, if the nerves are not too badly damaged, for them to grow again and for the recovery of function. This is a type of incomplete spinal cord injury

Spinal-Injury.net. Incomplete Spinal Cord Injury