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Real World OCaml: Functional programming for the masses
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Real World OCaml: Functional programming for the masses
by Jason Hickey, Anil Madhavapeddy, Yaron Minsky
Publisher: O'Reilly Media 2013
Number of pages: 510
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Why are Jamie LaLonde, Natasha Fleischman and Dale Wakasugi supporting a bill that would require Minnesota's public schools to teach cardiopulmonary resuscitation (CPR)? For the best possible reasons: It saved their lives.
Both the Minnesota House and Senate are considering bills that would require all Minnesota Public Schools to teach CPR to students grades 7-12. Chief authors Republicans Sen. Dan Hall and Rep. Mary Holberg have bipartisan support. In recent testimony, a Minnesota School Boards Association representative expressed reasonable concerns about adding a new mandate when budgets are challenged.
However, what's a higher priority than teaching young people how to save lives? Testimony suggested that about half of Minnesota's school districts do and half don't teach CPR. So I hope the bill passes.
Twenty-year-old Jamie LaLonde testified that she was working at the Mall of America when, "I had a sudden cardiac arrest … I was 18 years old. I'm helping the American Heart Association (AHA) with this bill because the only reason I'm alive today is because someone that was trained in CPR made it to the scene within five minutes."
"Although I'm very lucky, I still can't help but think that none of the 16-20 year olds around me that were working with me knew to start CPR. Sudden Cardiac Arrest can happen to anyone, even young people and I think it's important we prepare people as best we can so that if they ever do get the chance to save a life they can," she said. LaLonde is going to school at Inver Hills Community College to become a paramedic.
Stillwater School Board member Natasha Fleischman also recently testified about the bill. She wrote, "CPR saved my life. I was a 33-year-old mother of two in 2002 when my heart stopped for the first time (with no known heart condition). I was working at the St. Paul Public Schools. I was on first floor and the director of safety and security, Will Waterkamp, ran down from the fourth floor to perform CPR on me. After the St. Paul Fire Department defibrillated me five times, I was taken to Regions Hospital, diagnosed with dilated cardiomyopathy and received an implantable defibrillator (ICD)."
She said, "I have worked with the AHA and the Go Red campaign, as well as WomenHeart: the National Coalition of Women with Heart Disease (www.wom enheart.org) and the Sudden Cardiac Arrest Association to build knowledge and skills that save lives … When someone suffers sudden cardiac arrest, which is often the case when a high school athlete collapses on the field, every minute counts. This legislation is meant to have every high school student learn CPR before graduating and have the ability to save the lives of family members or friends."
Fleischman said, "In Stillwater, we already teach CPR in our required health classes. When I conducted a study for the AHA using the CPR anytime kit, we wanted to compare two schools, one that taught traditional CPR and one that only had a 30-minute course with the anytime kit. We taught kids to do CPR in 30 minutes. And the preliminary data showed that their compressions were more consistently effective than those of students in a four-hour traditional CPR class. Pretty impressive what can be accomplished."
Finally, Dale Wakasugi said, "Since my first arrest in December 2007, I have made a commitment to myself to help others by 'paying it forward.' To help place as many AEDs in as many public places as possible and to help raise awareness of the importance of knowing CPR and how to use an AED … I want to help high school students learn CPR and how to use an AED, since my key rescuer was a high school student who just learned CPR and how to use an AED in health class three weeks prior to my event."
Joe Nathan, former public school teacher, administrator, PTA president and parent of three public school graduates now directs the Center for School Change at Macalester College. Reactions are welcome, via e-mail at [email protected].

subset: commoncrawl


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Guns seized after Eureka traffic stop
EUREKA- Two rifles, several loaded magazines, marijuana and methamphetemine were allegedly found following a traffic stop in Eureka.
The driver, Gerald Gerarden, of Eureka, was found to have a felony warrant as well as a suspended license.
The stop happened on the 3500 block of Broadway at 12:28 a.m. Monday. One of the rifles was determined to be stolen from Nevada. Gerarden was arrested for weapon and drug possession violations.
In connection to the traffic stop, Eureka Police's POP Unit served a search warrant at two Eureka residences. Detectives seized an illegal modified rifle with a cut down barrel, a 12 gauge shotgun, a 22 revolver, and a replica BB gun. The investigation is ongoing.


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Up the beanstalk
11 February 2008Add to My Folder
Rated 5/5 from 4 ratings (Write a review)
Capture the children's attention with the story of 'Jack and the Beanstalk' and they will delight in taking part in these related activities
Jack and the Beanstalk
Tell the children the traditional story of 'Jack and the Beanstalk'. Provide a large storysack full of props related to the story. Retell the story and allocate props to individual children. Encourage them to use the props at the relevant moments to help you tell the story.
Leave the storysack in your story corner, alongside other versions of the story and some story tapes. Provide finger puppets linked to the story in the story corner, or make your own from the 'Finger puppets' activity sheet.
Let the children play freely with the resources and encourage them to act out their favourite parts of the story.
Suggested resources
Jack and the Beanstalk (Favourite Tales series, Ladybird Books); large storysack (brightly-coloured cloth bag); props related to the story such as a handful of beans, pair of giant's boots, beanstalk leaves, cow hand-puppet, golden coins and so on; story tapes of the tale; other versions of the story; finger puppets.
Make it grow
Do a good deed and win a leaf for the beanstalk
Personal, Social and Emotional Development
Behaviour and Self-control
Development matters: are aware that some actions can hurt or harm others (22-36 months); have an awareness of the boundaries set, and of behavioural expectations in the setting (40-60+ months).
Early learning goal: understand what is right, what is wrong, and why.
What you need
Group size: whole group. Beanstalk without leaves, for example, a crêpe-paper stalk attached to a tall display board or wall; green paper; leaf template; child scissors; glue sticks.
What to do
Remind the children of times when you have been particularly pleased with them, such as when they have listened well or when they have tried hard to put on their own coat for outdoor play.
Show the children the beanstalk and explain that you are going to attach a new leaf to it each time any of the children do something good. Tell the children that once the beanstalk has grown right to the top, you will treat them to a special party to celebrate their achievements.
Invite a child to help you draw around and cut out a leaf to stick to the beanstalk. Write on the leaf what it is, for example, 'Well done Samuel for sharing the bricks'.
Set a manageable short-term goal, such as adding five leaves to the beanstalk to earn a special treat.
Ask the children to help you make a list of rules for your group.
Birth to 36 months
Make sure that the children have a good understanding of your feelings, from your facial expressions, eye contact and body language.
Cross-curricular links
- PSRN – count reliably up to ten everyday objects.
- CLL – read a range of familiar and common words and simple sentences independently.
2 Bean feast
Estimate and count different groups of dried beans
Problem Solving, Reasoning and Numeracy
Numbers as Labels and for Counting
Development matters: recognise groups with one, two or three objects (30-50 months); estimate how many objects they can see and check by counting them (40-60+ months).
Early learning goal: count reliably up to ten everyday objects.
What you need
Group size: small groups. Box of dried beans; cloth bag or purse; 1- to 6-number dice.
What to do
Sit around a table with a small group of children and place a box of dried beans in the middle. Give each child a cloth bag or purse. Show them how to roll the dice and encourage them to recognise the numbers that the dice lands on. Invite a child to be 'Jack' and say that they have come to get some beans. Let them roll the dice, say the number and then count out the correct number of beans from the box to put in to their purse.
Continue the game, sometimes varying it by asking the children to take a handful of beans and then guess the number of beans that they have in their hand.
Help the children to point to each bean as they count, making sure that they use one number name per bean.
Encourage the children to roll two 1- to 6- number dice, add up the numbers that the dice land on, then put the correct total number of beans into their purse.
Birth to 36 months
Sing number rhymes on a regular basis to encourage the children to become familiar with number words prior to learning to count.
Cross-curricular links
- PSED – work as part of a group or class, taking turns and sharing fairly, understanding that there needs to be agreed values and codes of behaviour for groups of people, including adults and children, to work together harmoniously.
- PD – handle tools, objects, construction and malleable materials safely and with increasing control.
3 The giant's treasure
Create objects for a giant's treasure chest
Communication, Language and Literacy
Language for Thinking
Development matters: use talk to connect ideas, explain what is happening and anticipate what might happen next (30-50 months); begin to make patterns in their experience through linking cause and effect, sequencing, ordering and grouping (40-60+ months).
Early learning goal: use talk to organise, sequence and clarify thinking, ideas, feelings and events.
What you need
Group size: small groups. Large cardboard box; gold paper; card; collage materials; shiny paper; beads; sequins; paper; card; child scissors; glue sticks; sticky tape; colouring and painting materials; recyclable materials.
What to do
Remind the children of the story of 'Jack and the Beanstalk' and how the giant had treasure in his castle. Show the children the cardboard box and ask them to help you cover it in shiny paper to recreate the giant's treasure chest.
Explain that you would like the children to help to make some treasure to fill it up. What sort of items do they think they would find in a giant's treasure box?
Show them all the collage, recyclable and shiny materials and talk together about the sort of objects they could make. Allow them to explore the materials and use them freely. Display the finished treasure box in your story corner along with the storysack and a few different versions of the story.
Home links
- Ask parents for contributions of old beads and buttons and other 'treasures' to use in collage activities.
Further ideas
- Share a few different versions of the 'Jack and the Beanstalk' story and ask the children to choose their favourite. Talk about the differences between the versions.
- Collect objects to make other storysacks based on favourite traditional tales.
Offer ideas and help to the children when they are fixing items together.
Encourage the children to plan how they will make their treasure, deciding what they will need and how they will fix it together.
Birth to 36 months
Use a variety of collage materials to make some touchy-feely books with the children
Cross-curricular links
- KUW – investigate objects and materials by using all of their senses as appropriate.
- CD – explore colour, texture, shape, form and space in two or three dimensions.


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- Configuration Verification: verify that the two cluster nodes can communicate with each other, and that both have access to the same shared SCSI drive or drives.
- Shared SCSI Drive Diagnostic Verification: tests a shared SCSI bus for
functionality as required by the Cluster service systems.
This test is should not be run on a cluster in production. The test destroys data on all disks on the shared bus.
There are a fair number of Resource kit samples available for download. Check Microsoft's Sample Tools for the list of current tools available for download.


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Storehouses and Workshops, Rent, Púchov, Slovakia
1.925,00 €
Utilities not Included, +VAT
Storehouses and Workshops na Rent, Púchov, offer no. ZR-54/2016
RADO listings for rent for garage / storage building, 700 m2 in Puchov. Area plant is located in close proximity to the motorway feeder D1 motorway route Bratislava - Žilina, with traffic connections to the state border with the Czech Republic the I / 49th The building has a solid concrete floor, the heating, lighting, electrical 220 / 380V, part of the building as staff changing rooms and toilets. The building can enter by car, parking is available near the object.
Of garage / storage space is located in a closed - guarded area of the plant in Puchov with 24-hour protection of property through its own protection, with possibility of eating in the canteen, to connect to the Internet, as well as occupational health services center. There is central heating, all energetic media, it is also possible to use the services of logistics and transport.
For more detailed information, please call:
Marian Kašuba, MBA
Your partner in real estate
RADO Reality Group, sro
M +421911927777 | firstname.lastname@example.com
Price: € 33 / m2 / year + energy + VAT
The price is final and will not increase, the price includes legal advice and execution of purchase contracts, mortgage advice and pay the administrative fee for the application for entry in the Land Register.
Public amenities
0 m
43 m
106 m
135 m
178 m
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106 m
129 m
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378 m
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187 m
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214 m
Listing summary
700 m²
700 m²
personal property
original condition
public water-supply
Price development
Real Estate Agency 184 offers
RADO Reality Group s.r.o.
Soblahovská 45
Trenčín 91101
Real Estate Agent 80 offers
Marián Kašuba
Real Estate Agent
Your listing no. ZR-54/2016 seems interesting, please contact me.
You could be also interested in
27417x Listing appeared in search results
1326x Listing viewed detailed
181x The offer was shown this month


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The world juniors are currently being played in Buffalo N.Y. Last night team Canada played the U.S. Can you guess what happened? Go on guess. Well, team Canada once again opened up a beaver loving can of whoop ass and defeated team USA 4-1. I guess y'all didn't see much by the dawns early light eh? We didn't even have to call on the Canadian geese to do a fly by poopie. LOL
I have been saying for a longtime that this is our game, but after beating you on your home turf again, I trust the point has been made. We may be peace loving, moose dodging, socialist, beaver loving, pinko pot heads, but we play a mean game of hockey! Yeah, I'm saying woot there it is — woot there it is! While we are guaranteed a silver medal and will be playing Russia for the gold, you Americans now have to fight for a bronze. Hopefully you will still make the podium, but either way, we will be sure to wave.
Editors Note: For those who are about ready to complain about the extreme overt nationalism in this piece, I would like to point out that as a Black Canadian, I am re-claiming an identity often denied us by claiming our hockey victories. Mainstream hockey has long been seen as the preserve of Whiteness and I say that birth certificate is as blue as anyone else and I can cheer right alongside any other Cannuck.


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82-14490 - 3.5" LCD CCTV Test Monitor
This ultra-portable device is perfect for all your CCTV installation jobs. The large LCD screen makes it simple to adjust your cameras and it includes a wrist strap for added mobility. Also, you can now power your camera using the CCTV Test Monitor with the incl...
Smooth flawless transaction. Quality products for great prices. I compared my item to other stores before buying and was blown away by the price difference.


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Better Late Than Never? Gov't Finally Penalizes Major Banks for Mortgage Mod Failures
After two years of arguing that it had little power to punish banks for breaking the rules of its mortgage modification program, the administration has decided it's finally time to crack down. But the punishment won't do much damage to banks that count their profits in the billions.
The Obama administration's mortgage modification program is more than two years old. From the beginning, it's been apparent that the participating banks and mortgage servicers were breaking the program's rules. The administration has long argued it has little power to do anything about it. But now, after millions of homeowners have been rejected, the government has decided it's finally time to crack down.
On Thursday, the Treasury Department announced it would be withholding government subsidies to the country's three largest mortgage servicers, which are also among the U.S.'s largest banks: Bank of America, Wells Fargo, and JPMorgan Chase. The banks won't be getting more money until they show "substantial improvement."
"It's important that the Treasury is acknowledging servicer noncompliance," said Alys Cohen of the National Consumer Law Center, "but that's been a problem for two years." The action, while "better than nothing," underscored the fact that many homeowners had been hurt during that time, she said.
Earlier this year, we reported extensively on Treasury's lax oversight of the program, including its reluctance to penalize banks. Treasury gave us a variety of reasons for that reluctance: that the government's power was actually quite limited, for example, or that if Treasury did penalize the banks, their performance would get even worse or they'd drop out of the program.
From almost the beginning of the program in 2009, Treasury has been sending mixed messages about its ability to penalize banks. In late 2009, Treasury warned in a press release that banks could face "monetary penalties and sanctions" for not abiding by the program's guidelines. But a spokesperson later told us that Treasury didn't have the power "to assess punitive fines or penalties."
Asked today during a conference with journalists what took so long, Treasury official Tim Massad essentially framed the decision to withhold subsidies as not such a big deal. It was merely "a next step" in Treasury's ongoing efforts to get banks to fairly evaluate homeowners' applications for modifications, he said. As we reported earlier this year, Treasury's oversight so far has mostly involved working with banks to get the problems fixed, and using carrots rather than sticks.
Massad also said Treasury hadn't taken this step earlier because it only has the power to withhold incentive payments that are slated for completed modifications. Withholding incentives wouldn't have made sense back in 2009, he argued, since so few modifications had been completed then. Treasury was making few payments at all to the banks.
It's a confusing argument to make. There was a spike in permanent modifications in early 2010, leading to a jump in payments to the banks. Together, the three banks have collectively received $252 million in taxpayer incentives. None of those funds will be affected. Instead the government will be withholding payments going forward, which so far this year amount to a collective rate of about $19 million per month.
For banks the size of Bank of America, Wells Fargo, and JPMorgan Chase, which together reported $13.6 billion in profits in just the first quarter of this year, that's not much of a penalty. Moreover, Massad said the payments would resume if the banks made the necessary corrections to their operations.
Treasury said there were problems in how the servicers communicated with homeowners and evaluated their modification applications. One measure, which gauges how accurately the bank calculated the income of homeowners in modifications, found that the three banks typically made errors about a quarter of the time.
Two of the banks pushed back against the findings. Wells Fargo said it was "formally disputing" Treasury's assessment and argued that the government relied on outdated data that didn't adequately reflect the improvements the bank had made in the past year. In particular, a Wells spokesperson said the bank's internal reviews found that it was doing a better job of hewing to the program's guidelines in calculating homeowners' income.
A Chase spokesman said the bank disagreed with the assessment, but he stopped short of saying the bank would be disputing it. "We have made significant improvements since the modifications that Treasury reviewed and continue to work hard to keep improving our processes and controls."
Bank of America's spokesman said, "We acknowledge improvements must be made in key areas, particularly those affecting the customer experience" but said the bank had made "great progress."
In addition to the subsidies to banks and mortgage servicers for providing modifications, the program also gives homeowners payments of up to $5,000 toward their mortgage. So far, about $206 million total has been paid out. Those payments won't be affected by Treasury's actions against the banks.
55 comments
Taking away subsidies does not seem like a punishment. It just means no carrots. Unfortunately whips are needed - sticks aren't strong enough a deterrent. 2 clients- made trial payments to JPMorgan Chase/Chase Mortgage for 14 months-get letters -"Never Mind-You don't qualify. Oh, and ps- we are foreclosing". Why are there no penalties?
Richard Isacoff, Esq
It's way past time for the rest of us to take on the banks. We're all hurt by their shennanigans. Builders can't build, their subs are out of work, their suppliers have laid off people, folks who want to buy a home can't because the banks won't loan without proof that their ancestors came over on the Mayflower, and when loans aren't made sellers can't sell and therefore can't trade up which means, of course, that there's no demand which means builders can't build .... The foreclosure mess is part of the problem but not all. Everyone with a stake, and like I said it's all of us except the bankers, need to take a stand and make Obama and Boehner and Reed and McConnell and Pelosi sit down and figure out how to fix this mess.
More nonsense. The govt is passing along billions to the banks in arcane backdoor transactions that would make a pirate's CPA blush. This threat to withhold 19 million a month from three national banks is just a sham to make people think Treasury is doing something. Treasury and the Fed know what the banks are doing and why. If they really wanted to do something they would. The rest is all a smokescreen.
Hmm, lets see. Basel 11 says "mark to market", Banks cannot sell their REOs because of clouded titles. We have a client that her Bloomberg report proves the certificate holders were PAID OFF. What a mess. BUT, the greedy pretender lender still hires a scavanger lawyer to foreclose and set a sale date. Looks like the pigs have stayed at the trough so long that the only thing we (the public) is their fat greedy butts.
We are going to win this one, hands down. We finally caught them with their hands in the cookie jar and the incompetency of the lawyers further adds to this "melodrama".
Chase's idea of a "modification & helping homeowners" is to do the following: delay, delay, delay; promise what they WON'T (not CAN'T) deliver, place people their very own in-house "forbearance plan" for 3 months (which is really MUCH longer), NOT credit those payments to the accounts but say they did, THEN say, "all HUD will allow us to offer is our very own Chase CHAMP. We don't do government programs because we here at Chase do our own thing. Have a nice day." THEN, more delays, more lost/misplaced docs, etc. etc. etc. It's like Groundhog Day - Chase style.
Maureen is right on the money….Chase promised what they won't deliver and then let the ax fall. I never even got a shot at anything named CHAMP, all I got was a foreclosure and eviction into homelessness.
This is a Joke, so this means that the Fraud banksters reward will be withheld, what about punishment for all of the Ponzi Scheme massive fraud ?
What about the Contracts fraud, Pretender lender fraud, Lender fraud, Ratings agency fraud, Origination fraud, Fraudulent inducements, Second Bankster fraud, MERS (Mortgage Electronic Registration Systems) fraud, Securities fraud, Goldman SUCKS!, Lehman Bros. and many more selling bad loans to their investors, New pin numbers to hide the origination fraud, Speculating on that fraud and making 100 Trillion dollars on the same fraud on WALL STREET with such Mortgage Derivatives as CDO'S (collateralized debt obligations ) when Banks knew would fail, MBS (Mortgage Back Securities) fraud, AIG Fraud knowingly insuring bad, trap, and liar loans, Credit Default Swaps Insurances fraud,, Intentionally creating a massive housing bubble with fraud while they knew would cause a financial crisis, Forgeries of legal Docs, Where Are The Notes? Where are the Original Notes? (Destruction of Notes) Fraudulent Affidavits (also to fraudclosure), No Proof of ownership by the pretender Lender, Non Judicial Foreclosures, Destroyed credits, Bank owned abandon properties,No due process in courts on foreclosures, Flouting of the property rights and constitutional rights of we the people to steal homes Banksters don't Own, Giant BONUSES for the crooks at Chase, Wells Fargo, Bank of America, Citibank, Freddie, Fannie and the CEO'S who robed the people, Hyper-Inflated Property Taxes, Short Sale fraud (watch video link) youtu.be/8esGSOos2lo, Loss of pensions, Loss of 401 K'S, Loss of Commercial Property Investments, Hyper-Inflation, Deflation.The T.A.L.F (Term Asset-Backed Securities Loans). The BAILOUTS, The lies: you were denied for help by the bank, we want you to sell your home that we DON'T OWN so we can sell it and make thousand of dollars even that we don't have the Mortgage Note, Banksters strong arming the American people for delinquencies they don't owe. Force Insurance Violations, Deed In Lieu Fraud, Cross Collateralization Fraud, Scrivener's errors fraud (person who writes out deeds, copyist, professions, a notary), Robo-signing Fraud, (the automatic generation of document which turn out to be ruled illegal.), FRAUDCLOSURES, The Bail Outs that stills continues through the back door Fed
This is an insulting gesture. High crime was and still is being committed, and the wealth of the average citizen was gutted.
we people should rally.
hundreds of people should be going to jail.
End the Fed.
Here is where you got this WRONG. 1) When HAMP was created the program required NO Financials from the folks applying. (Just like the "sub-prime" no doc loans that everyone in this Administration and both Houses have been screaming about)". Pretty stupid yet predictable eh? 2) Simply applying for a HAMP Loan Mod., operates as a foreclosure on your credit report. So work this: The Federal government in all their wisdom, creates a program with the same fundamental flaws as the devil they are screaming about and condemns all the less sophisticated homeowners who rush to apply to a world of delays (no documentation) and massive credit history damage which effectively prevents folks that could and might have purchased another home out of the declining housing market from buying a home for a long time (given the tightened credit requirements). Simply Brilliant. But what would you expect from the current leaders? Fools leading fools .
We're ending our relationship with B of A as soon as our contract for our safe deposit box expires. As a couple with limnited means, we are very aware of the powerlessness of people against the financial monoliths like B of A that have systematically put profit above any conceivable good they might do for the country, the people in it or the principles for which it stands.
It's B of A and others like it that make the best case for socialism.
The title of this article is "better late than never"...NOTHING HAS CHANGED…
Once again, Propublica and people, please WAKE UP and FOCUS
on what I am telling you:
First, go to: livinglies(dot)wordpress(dot)com
(sorry, they don't allow links here, obviously you just put a period where I wrote the word "dot".)
Read articles and comments on that blog's upper right corner…I know it's a lot of info, but trust me…you need to learn the truth about what is happening…no one will tell you on the news, because the banks and the government don't want the truth out there because of the chaos that they believe will ensue.
This is the truth: A "loan modification" is simply a payment plan on "default debt". NOT a REAL LOAN. THERE ARE NO REAL LOANS.
I know you think I'm crazy, but it's the truth…think about it everyone…the absolute chaos that you are seeing with regards to the mortgage industry—-regarding paperwork, documents, calling people back, getting or not getting faxes, fraudulent foreclosures, fraudulent titles on properties, and on and on…If you talk to someone at a bank for answers, YOU DO NOT GET THE TRUTH. Most of them don't even know the whole truth.
Wall Street and the Banks created NEW RULES for themselves when deregulation took effect—-which they pushed for with lots of money, and the promise of lots more money…
They created a "fake mortgage" industry—-no one has a "real loan", and they are covering it up…It's all unsecured debt, that has been either sold and resold for collection rights, or effectively "paid off" by insurance…believe it or not. Your original loan docs are fraudulent—-you signed on the dotted line and they put your "false note" into the "securitization machine"—-my loan NEVER when to a "bogus trust"—-it's all a lie—-a shell game which made a few people very, very, rich…and none of them are in jail…and some of them work in the government.
I guarantee if you stop paying what you think is a "mortgage", the banks CANNOT PROVE they OWN anything…they LACK STANDING to foreclose…that's why people have been staying in their houses for 3 years without paying anyone—-BECAUSE THEY ARE FIGHTING BACK!!! They are saying "Prove that you own a "loan"...or my "note'...yes, there may be a debt, but it's not a "mortgage", and it's FRAUDULENT…in many, many ways…
My servicer IndyMac sent me a bogus "substitution of trustee", saying Deutsche Bank owns my "loan"...well, guess what "Deutsche Bank doesn't OWN ANY LOANS"... That is a direct quote from John Gallagher, a spokesman for Deutsche. And the "securitized trust" that my loan is supposedly in is EMPTY.
Welcome to the mortgage industry of the 21st Century…a giant PONZI scheme followed by an even bigger COVER_UP.
The MEGABANKS will be failing very soon—-stock up on food and water, people, and get out the lawn chairs, 'cause the spectacle is coming…HANGED.
We're going through this through National City. They started us on a program (the "three-month" thing, which lasted for 9 months). Then they said we didn't qualify, even though we had been paying for nine months. They then told us we hadn't paid anything for six months! I have stopped paying since August, and have used debt counselors, and such for five cycles of trying to reapply for the program. I can only think that they get paid for having people reapply. My home is worth about what I paid for it nearly ten years ago. A WARNING: I went to a very good ($$$$) real estate attorney and found if you have a second on your home, they will detach it from your loan, and sell it to another party. They will sit on them for two or three years at a default rate of 33% without telling you anything. Then, when you're re-established, will come after you at double what you owed on it. Bankruptcy is the only alternative to end the debt after foreclosure. You just saved several hundred dollars!
Why do we make heros out of frauds like Jaime Dimon of Chase? Why does anyone fall for the idea they are virtuous people?
They got paid by our wise and benevolent governments (the Bush/Cheny/Rumsfeld and the Obama/ Chase/Lehmon-Sacks)
for their disingenuous assistance, When that is exhausted and they want to cash themselves out more they turn the screws and either drag their loot away or look for more suckers.
Approved by BofA for Hardship mod. Submitted all docs. Made 13 trial payments over the initial 3. Received Fedex letter of Approval for Permanent MHA mod instructing me to watch for Permanent Package, sign it and return it promptly. It never came. Called and was asked by BofA employee if my "dog could have chewed it up". Finally received a call congratulating me on approval for permanent mod. Said it was a better deal. It was 65 percent of my total gross income. I signed it under duress becasue I was told govt program did not exist any more or I could decline it. Now they can report a mod but still get my home. I have documented every call and lie but BofA acknowledges nothing other than saying "you signed it" No accountability whatsoever. I am a senior with limited income and a single parent of a handicapped child. Soon to be in the street.
The Solution: Eliminate Too Big To Fail and break up the oligopoly that controls the industry. http://goo.gl/h4lDt
The people need to punish these corrupt institutions by moving to local banks and credit unions. Unfortunately 'foreign investment', touted as the beneficent path to democracy, has been transformed into a mechanism of economic (global) terrorism.
Mr. William M. LeRoy, Your comment states that the when HAMP was created the program required NO Financials from the folks applying is not true, Check List of docs for the HAMP: Application (4 pages), 4056 T form, Dood Frank Form, 2009 & 2010 Tax returns, Pay stubs (1month), proof of source of other income if any, Bank statements (2 months) Mortgage Statements (All including other properties if any) rental agreements, Home owners Insurance, Property taxes, HOA Statement (recent), Income, Expenses, Assets worksheet, Utility Bills, Hardship Letter, and if you self employed or there is a co-borrower they ask for even more and other docs.
Chase, BOA, WFB are a complete joke. In evaluation of these companies they are simply too big to function properly. Also they need to evaluate all HAMP modifications that were closed, you will find reckless errors of folks with no hardships getting HAMP loans at 2 percent, that's a problem nobody has taken into consideration that currently exist. The whole program is a mess.
There is only one thing that is going to make the CEO's COO's and CFO's of BoA, WF and JPMC look up from counting their bonuses, and that is the sound of handcuff ratchets.
There is little that I as a private citizen can do to protest what has been done for the greedy "Too Big to Fail's" and their disgraceful behavior except wage one small battle. I've cancelled my checking account with Chase and gone with a local credit union where I earn 1 1/2% interest, and I no longer use my Bank of America Credit card.
That is all any of us can do without honest help from those we elected to serve the public. The only way beat a game that is so heavily rigged against you is to not play. It is happening all over the country. People are cutting up their credit cards, closing accounts with soulless banks and learning to live with less. The only other thing we can do is be tolerant and supportive of all who are in the same situation.
Okay, so let me be sure I understand this:
In order to provide incentive for several of the largest mortgage loan servicers to grant more mortgage loan modifications under the Home Affordable Modification Program, the Obama administration is "punishing" Wells Fargo, B of A and Chase by taking away the already meager financial rewards the program offers these banks.
If you needed any more proof that your government never meant for HAMP to do a darn thing to help homeowners, there it is.
Here we have a voluntary program administered by two institutions that own or guarantee a majority of the mortgages in the U.S and implemented by the very same banks whose greed created the housing crisis. The program consists of a bunch of guidelines the banks routinely completely ignore. There is no independent oversight, no objective appeals process and no transparency.
The only "incentive" for banks to do anything other than just keep their foreclosure factories pumping out fake paperwork and throwing "deadbeats" out of their homes are so-called rewards of $1,000 for each loan that they permanently modify and another $1,000 if that modification is successful over time.
Who is not surprised that companies that measure their profits in the billions of dollars have absolutely no interest in these financial "incentives." Wells Fargo alone reported first-quarter 2011 profits of $3.8 billion. And that 48-percent annual increase didn't come from $1,000 HAMP modifications.
The banks have behaved so badly when it comes to modifications, they have told so many lies and played so many ridiculous "delay and deny" games with so many people, and all Treasury and the administration can come up with is this completely pointless slap on the wrist?
It seems to me what they're really doing is giving these banks an easy out, as if they needed more reasons not to help homeowners. I think this quote from a consumer advocacy lawyer is spot on:
Alys Cohen, a staff attorney with the National Consumer Law Center, said the actions were "too little too late."
"It is not even clear that the incentives payments are something that these banks want enough to change their behavior," she said. "It certainly hasn't caused the servicers to comply with the rules to begin with."
wellsfargomortgagemodscam (.) com
Let's get together on http://www.IDKMAN.com and spread the message of a Million Man March to Washington on these Banks and Mortgages. If we all stand together, they'll have to listen….....
They have been giving m the run around since Feburary, lieing and saying they have never received items sent, saying the sent letters out that never showed up, and every time I send one thing they always say they need something else. Been nothing but one big joke and I hope they get everything coming to them. KARMA.
Why is anyone still doing business with any of these banks, for that matter, any bank who received TARP funds? Customers are the reason they still exist…the federal government can only give so much assistance. Do some research and find out who you think is truly worthy of receiving your hard-earned money!
we need stronger crack down on ba nk of america and chase,we also need govrement to ghange the laws,to force banks to prove they own the loan in their attempts to steal people homes.stop bank fraud in our court sytem and get rid of any judge that helps banks to steal people homes with out hard evidence that they own the original mortgage and promissory notes
One question not being asked is:
Why are we even giving these banks subsidies?
Here we go again:
They don't want to modify, ('cause they know it's not a "real loan"), and all the BS they put you through is all CALCULATED. ALL OF IT.
They get as much money as they can out of you (trial plan), and then either fraudcloser or deny. If you DO get a permanent mod, IT IS MORE FRAUD…because they have NO CLEAR TITLE.
It is only modification of DEFAULT DEBT.
They don't want you to figure that out…but we are….I am fighting them tooth and nail.
If your "fake" loan was supposedly put into a securitized "trust", it is FRAUD.
From frauddigest (.) com :
"The trusts sold a list of "loans" (actually reaffirmation of COLLECTION RIGHTS), they INTENDED to "acquire".
Get it? SELL, and THEN ORIGINATE!!! (but, not REAL origination, because NOT REAL LOANS.)
NOT your grandma's (ie. before deregulation), type of loan—-NOT properly recorded, NOT legal "proof of ownership", NOT clear title, on and on…and on.
So, just as the mortgage-backed securities ponzi schemes are fraudulent—-so are all the "fake" mortgages.
They HAD to come up with something to cover their tracks so they could get away with the total RAPE of the economy…and roll around in their bonuses…
I'm NOT leaving my house, you bastards. (not you guys, I'm talking about the banks, of course).
You must file:
Lis Pendens (pendency of action).
Temporary restraining order.
Bankruptcy (it's unsecured debt—because they have no REAL proof of a REAL loan.
send Cease and Desist papers.
send Dispute of Debt papers.
Look at your paperwork and documents very carefully—-they have NO STANDING TO FORECLOSE BECAUSE THEY DON'T REALLY OWN ANY HOUSES.
STUDY THIS SITE: livinglies (.) wordpress (.) com PLEASE.
Lastly, read this comment excerpt below: (this is what they do after they STEAL your home):
"...a part of the story that has received no attention and very little emphasis is that the villain, Deutsche Bank, "purchased" the property with a credit bid. You already know how this one played out: DB is the pseudo-"Trustee," and "sells" the property to itself as "buyer." Except that no hard money actually changes hands. To put it in layman's terms, this is a paper shuffle, designed to facilitate property theft. A Trustee is (in theory) an independent fiduciary, one with responsibilities to both the trustor and the beneficiary in equal measure. The Trustee's responsibility is to obtain the best possible deal for both parties in the event of liquidation of the asset entrusted. Except with Deutsche Bank, it never seems to work out that way. Instead, Deutsche Bank just enriches itself. I call it theft. You call it self-enrichment. The Court calls it "foreclosure." Just lovely."
Wake up people—-we ALL have to educate ourselves to this FRAUD and THEFT—-'CAUSE THEY 'AINT PUTTIN' IT ON THE 6 O'CLOCK NEWS!!! (The stations would lose too much advertising revenue…isn't that wonderful?)
Oh, and PLEASE watch the Academy Award-winning documentary "Inside Job"—-it will make you mad enough to fight these ***holes!!!
If you think I'm kidding, just GOOGLE: Sarah Palin Foreclosure Fraud
Did anyone see 60 mins when whistle blowers admitted they signed off on foreclosure documents to the tune of 4000 to 5000 signature a day for $10.00 an hrs under a false name of Linda Green in a building that no longer exist after they were investigated by 60 mins, If I lose my home by my own fault okay but to lose it to theft is another reason. I have wanted a long time just for the Government just to see how shady they are.
We have all known that modifications were not going to work and when I read the plans in July, 2007 and again in 2009, it was a real joke. Nothing was mandatory because "as I now understand it", the government can't do certain things to the banks, penalties and fees.
Well, what we need is that million man march to Washington with a plan in hand that will stop the foreclosures, allow non performing loans to become peforming once again, which will immediately reduce the inventory of homes and just the word out there that no more foreclosures are coming down the pike will do huge things for the sale of the inventory and this economy. It will be a start. Best yet, is the taxpayer does not fund one cent of the money for this new assistance program which is not a modification program, none of that BS is required and will do some good with respect to cutting the banks legal fees for damages, etc. they have bestowed on the people by not following the rule of law. There will always be lawsuits, but we can cure a lot of the legal issues with the right kind of plan and satisfaction of the debt and the illegal actions performed by the banks.
All of the banks will put in an aggregate amount of money to the fund which will produce monthly payment assistance as we move to reduce the inventory through normal sales and investors and by halting immediately the pending foreclosures where possible.
Not everyone will save their home, but millions will and that is what will start the ball rolling. I know this plan will work but yet, no one has called for a discussion about it and believe it or not, if presented properly will bring the banks on board so they can get back to doing responsible and prudent lending, and cutting their losses. No more modifications will be required until final disposition of the homeowner who will have no less than 3 years to resolve his issue and during which time appreciation of proprety values will be on the rise.
I went through the 80's and the 90's. We can get this done.
I'd like to offer an issue that has not been raised here, but has certainly been voiced around the world.
I am a California college professor, divorced, in my mid 30s, politically active, astute, well-read (all of it—cartoons to The Economist to the UK Independent to InterPress International), and unafraid. I am also a one-time (but successful) stock broker. I am a financing/banking autodidact, despite my love of art and language. I want to offer a bird's eye, macroview of things to add context, especially as a young woman with a bankrobbed, bankrobbing mortgage in perhaps the most deliberately economically hijaked state (commodity) in the country and the world.
We must connect the dots quickly and with vigilance. The good news is that what we see or choose not to see is not clever, original, nor hardly difficult to understand. No need to understand credit default swaps or market derivatives. Simply refer back to your childhood and focus on any game that required both strategy and luck, yet typically those who won were those who were ruthless, manipulative, competitive, really believing the alleged glory and goodness of winning, of hierarchy, of capitalism. Because the others really believed that there could only be winners and losers, that there could only be competition and hierarchy. Because there really IS only SO much water for SO many people, only SO much land for SO many people, etc. etc.
But you don't hear this lament when referring to prisons, special education programs (really used to warehouse poor, children of color), carefully designed ghettos near cesspools and landfills, carefully designed urban public schools near the ghettos that offer no property tax value because the residents are renters whose landlords live at least one full city or county away.
The games we played then; play now: Monopoly. Chess, sure. War, the card game. Duck, duck, goose. Red rover, red rover. Poker. Gin. Spades. Hearts.
So, in this country particularly, we have acculturated to the paradigm of competition, capitalism, ruthlessness, self-aggrandizement and we insidiously have articulated these concepts or values or ideals as "Objective," "Morally right," "Inevitable," "Just," "Equitable." And so on.
As with any childhood game, the adult game is the same.
The stock "market" is a market of what for whom? Yes. We are the market. We are for sale. We buy ourselves. Eat ourselves. There is nothing scientific or necessarily complex about the market.
But, in order for it to work— "work" refers to generating money for the powerful, invisible, minority elite—we have to believe that it does work.
If I can convince 100 people today to believe that 1 US dollar is worth 100 pennies, then very likely they and I will convince another group of the same "fact." And so on. But, how does anyone know if that 1 US dollar was really worth 100 pennies at the time of investment? How could that have been proven?
Extrapolating from this, we can easily see that our entire financial, economic, social, cultural, etc. system is a ponzi scheme—an empty, soulless, cynical, destructive, demonic, childish ploy to savage, demoralize, divide, isolate, and bankrupt the majority in service of the infinite greed of a minority elite.
Yes, this particular heist is unique in that it is viral—all sectors are affected—housing, education, jobs, military, medicine—and it is global—so, now if my 1 US dollar is worth only 80 pennies but a hospital group in Peru invested in its 100 penny value, expecting it to rise, then we see where the pain will come. And if the Peruvian hospital has investors from Chile and Argentina, both of whom likely used or invested in US dollars, then we see how this pain spreads quickly. The despotic, gluttonous, egodelusional men and women who orchestrate these meltdowns, profiting more and more with each disaster more severe, are certainly to be held accountable. They have destroyed and will continue to destroy millions and millions of lives. Their accountability is beyond physical punishment. This is a crime of the spirit, of the integrity of human existence. It is, as all other thefts, murders, wars, unsustainable, and will necessarily die its own self-inflicted death.
But, for me, and hopefully for all of us, the real monster is us, all, the world.
We allowed ourselves to believe in the lie of the American nightmare. We allowed ourselves to colonize, murder, enslave, rape, beat, ridicule, silence, destroy, erase, steal, mimic, imitate, pervert, stunt, dismantle, dehumanize, and abandon entire peoples in this country for the ill-gotten, undeserved, bloodsoaked, tax free, labor-free (for the elites), stolen, pillaged profits
(continued from earlier, thank you)
stolen, pillaged profits of those like our current despots: men and women who believe in Plato's "required" separation of soul from spirit in order to build the great Republic.
As long as we here and anywhere on the planet and the multiverse continue to separate ourselves from each other, the earth, the multiverse, the implicate and explicate orders, all that is One and all that is harmonious, then we will continue to suffer and destroy.
As we learned in our logic and science courses: When many answers are plausible, typically the simplest answer is correct.
And that which is simple tends to always make people uncomfortable.
Think about it: Is homelessness REALLY necessary? How many boarded up, empty, hollow storefronts, houses, warehouses, spaces have you seen today?
If we do not change the very foundation of our values—the very way we think of existence, of living, of ourselves—then this particular heist will be another blockbuster movie made with outsourced everything in another country where we—those who survive or dare—will watch it as guest workers, dodging the immigration patrollers, worrying about our American accents, and this word we used to know:
I have a question….when we refinanced our home through one company, we later got a letter stating that our loan had been "sold" to ASC (America's Servicing Company) and that payments were to be made directly to them. I would like to know who actually OWNS my home and where I can get proof that it is actually owned by someone. I know that when we applied to ASC for a loan modification, we dealt, at times, with Wells Fargo. We were told by ASC that Wells Fargo actually owned our home and that ASC was merely the servicing company. Although we DID get a modification after over a year of faxing, refaxing, refaxing again, phone call after phone call, etc. ASC sent us a letter stating that they were "refinancing" our current balance at a lower interest rate (4.85% in lieu of 6.25%), which dropped our payment by about $730/month. We only signed a single sheet of paper agreeing to this, which I find to be a bit disconcerting considering the mountains of paperwork we signed when we first refinanced our home. Does anyone know if this type of "permanent" modification is okay and isn't going to come back and bite us in the butt later on and what we can do to find out who actually OWNS our original loan and home??? Thanks for any help someone can give me on this.
after reading your comment you should know that if your loan is FHA (you mentioned hud) then your options are very limited under the order of priority for fha loss mit and that you wouldn't even be eligible for a CHAMP mod. They are not being truthful with you. If you are fha, you should contact HUD immediately and ask to speak to someone. They can open a case file and review what is being doing on your lenders end. Good luck!
Thanks, Rachel!! I've been in that endless loop 3x before, too. It is FHA, however, NO ONE really owns it - yeah, I know - huh?? Chase promises the world, delays endlessly, falsifies documents, blames the investor (supposedly Chase is the investor of my FHA loan - not possible because it was Ginnie - in the beginning), add income that doesn't exist, etc. I requested the calculations & they refused to send them to me. The forensic audit revealed quite a bit (done by Steve Dibert - MFI Miami - I highly recommend him) so I retained an attorney (Glenn Russell - I'm in MA). Chase even went so far as to try to force me to sign documents with false information included in them & "we'll fix those errors later. MMMMkay???" No.
So, thank you for the advice - it's a never ending circle of BS. With a REAL modification, I'd be fine (I'm a school teacher of 19 years - stable). They NEVER applied my forbearance payments (6 months worth) either. UGH. Gotta love the Demon!!!
You are so welcome. We help a lot of people in your situation w/ FHA and unfortunately, it is a really complex situation. They can add to your income if you fall w/i certain ratio's etc. As for the payments you made, they are most likely being held in a suspense account w/ the lenders late fees, etc being taken out. If you have an attorney they should be working to resolve this quickly bc another great feature of FHA is that if you are 12 months or more behind you automatically become ineligible for FHA HAMP which is your best shot to be able to lower your payment (situation vary). Best of luck to you.
Rachel -
How can income that doesn't exist be added to someone's monthly gross, especially WITHOUT that person's knowledge? My income is fully documented - there isn't any "miscellaneous additional income." That's wrong and no wonder why the whole modification process is such a mess.
FHA/HUD has honestly been very little help - all they keep doing is telling me to "contact the servicer." Then, the endless cycle begins again. It's been going on since Jan. 2009 & that's why I've retained an attorney. I've even sent payments to Chase - they either send them back or who knows what because they're aren't cashed. It's ridiculous. I'm sure HUD tries to help any way they can, but I haven't had any luck in working with them. Thank you again, though! I'm still fighting & will win this battle.
Many major banks have been forging signatures to 'prove' that they actually own the papers on the homes they have been moving to foreclose on. That after We The People bailed them out. They decided to forge signatures because they had very good reason to believe that the US government would avert its eyes. There is plenty of history to demonstrate that this was a good bet. But the last time I heard forging signatures on legal documents that are worth sometimes millions of dollars each is a felony. Since when does the government of this supposed democracy get to ignore major criminal behavior? Sine this democracy was displaced by an Oligarchical dictatorship of plutocratic corporate CEOs. That is what is in balance here. My bet is that with the banks themselves. Not a lot of negative consequences will come down on their majesties. I hope I am dead wrong but if I am not, can we lowly citizens take note and accept the truth? Then can we do something Egyptian-like about our situation and stop waiting for a Big Daddy President to be our salvation? Can we all grow up?
AND, not for nothing, but the "Chase spokesperson" lied through his (Thomas Kelley who's usually "declining to comment" - I'd be willing to bet that's who this is) teeth in stating Chase has made improvements. They most certainly have NOT done so. How about a detailed list of these so-called "improvements?"
"AH," ah, your post is wonderful. One sentence in your comment strikes a particularly sympathetic chord with me: "I want to offer a bird's eye view, macro view of things to add context,…" I wish comment anecdotally upon "context."
I was incapable of sustained logical thinking and physically weakened by cancer and many bouts of chemo. Last winter I was through with chemo (temporarily at least) and was pleased that Propublica was doing well. After reading Propublica reports I go to the comments. Most of the postings are informative and by educated folks. They add nicely to the scope of the Propublica report. I did not intend to submit comments, but I soon caved, and since February or so I have submitted many times. (I am retired and have time.) I always enjoyed writing, but I wondered why I seem compelled to do this, on subjects I often know nothing about.
The answer is "context" or, more accurately, lack thereof. Your words capitalism, ruthlessness, and self-aggrandizement are, indeed, accepted synonyms for "morality." Our "god" is greed and we envy and worship those who are most greedy and unconscionable. This is the context in which we are encouraged to converse and write. A complete world breakdown is in the offing. If you (not you AH) do not believe this, do a comprehensive check, politically, corporate, and physical on water and water rights worldwide. Water is beginning to be in the same corrupted category as petroleum. The difference is that we can live without petroleum, but not without accessible water.
A complete revolution must take place if we are to escape the looming shackles of slavery. Armed uprising would be immoral, unethical and, in this situation, surely an effort in futility. We must speak and converse and act in terms of true morality, and the golden rule. (No, I am not a rabid preacher. I have no respect for the bible nor faith in a life in the hereafter.). Let us broaden the context in which we live on earth, including love.
Skartishu, Granby MO.
Dear James—thank you so very much for your thoughtful words. They mean very much to me. We are kindred. It means much to me that you take this time to write.
And, yes. The "new" old markets are water, air, land, and our very own bodies.
But our very own bodies and minds are also our best defense and protection.
If you get a chance to, read Chela Sandoval's "Methodology of the Oppressed." It is philosophical, with lovely dense words here and there, and lofty intellectual principles, but still accessible, and very hopeful.
Here's a portion of the last paragraph in the last sequence:
With the transnationalization of capitalism, when elected officials are no longer leaders of singular nation-states but nexuses for multinational interests, it also becomes possible for citizen-subjects to become activists for a new decolonizing global terrain, a psychic terrain that can unite them with similarly positioned citizens-subjects within and across national borders into new, post-Western-empire alliances.
-Chela Sandoval, "The Methodology of the Oppressed"
The quotes below are from this site: bahai(.)org
"The fundamentals of the whole economic condition are divine in nature and are associated with the world of the heart and spirit…"
"The disease which afflicts the body politic is lack of love and absence of altruism…"
"...the base of life is this mutual aid and helpfulness, and the cause of destruction and non-existence would be the interruption of this mutual assistance. The more the world aspires to civilization the more this important matter of cooperation becomes manifest."
Basically the OPPOSITE of what we have now…
For the TRUTH about the mortgage madness, go to:
The truth is FINALLY coming out…
God bless us…
Lotta strange things happened since Dr. Pieczenik showed up on Alex Jones's show. Those strange things: Federal Reserve held the first press conference since founded in 1913 and exposing that Deutsche Bank was the greatest beneficiary of bailouts. It follows lawsuit against Deutsche Bank which is controled by Warburg family cofounders of Federal Reserve. Obama canceled bombing campain of Libya in Serbian style. Even ole McCain shutted down. We have 2 things with banks: Credit cards and Tim Geithna stepped up against 3 big banx. And finally Mr president is pushin' Israel to pre 1967 lines.
Lux like it is not bussiness as ussual anymo'.
I must have missed something here, could someone help me with this. Who went to jail?
To Joseph James who commented on June 11th: Not sure if this link will show, but you can go to http://www.ffiec.gov/consumercenter/default.aspx for who to contact on a federal level for help with this. You are a poster child for the victimized, and B of A WILL NOT want your story to go public.
PEOPLE: WHO REALLY "OWNS" YOUR "LOAN", AND TO WHOM ARE YOU SENDING YOUR MONEY??? It's not who you think…
from livinglies(.)wordpress(.)com :
"So here is the current situation: Many if not not a majority of people who have passing knowledge of the housing crisis and the attendant credit crisis which has brought our economy to a crawl, assume that the mortgages were valid; they assume that somehow, as if my magic, the obligations, notes and mortgages are owned by pools that never received any documents of transfer, delivery, assignments or evidence of recording the instruments in the title records; they assume that the documents of transfer exist in recordable form when they don't exist at all. They assume that the problem is fixable and just a paperwork mess when in fact there was NO DEAL, NO VALID NOTE and NO VALID MORTGAGE.
Investors advanced money on the premise that the mortgages already existed when they advanced the money. They were wrong. The investors assumed that the transfer documents existed. They were wrong. And they assumed that the law which requires the transfers be properly made and documented within 90 days would be followed. They were wrong. And most importantly, they assumed that they were buying valid performing loans when in fact the notes and mortgages describe a transaction that never took place and the real transaction went undocumented. Instead, the only documents for transfer are those involving loans that have been declared in default but which are not in default because the servicers are continuing to make payments to cover up the fraud at the inception of the false securitization scheme.
Thus the only thing the pools have are some documentation that was not and could not be accepted. The transfers are contrary to the two basic restrictions that one would expect in any such pooling arrangements: that the mortgages were valid and properly transferred and that they were transferred in a timely manner. By transferring improperly documented and non-performing loans into the pools the investors were screwed. And still the logical extension of that fact has not been made; if the investors were screwed and the their deal was improperly documented and obtained by false pretense, then it follows that the same holds true for the only other real party in interest — the homeowner.
As long as we continue this myth the economy will drag along the ground, while the people who have capital and wealth — homeowners who do NOT have a mortgage encumbrance, but think they do, or who have been (illegally), evicted from their homes when they still owned those homes — are prevented from spending, capitalizing new businesses, and all the other good things that would stimulate the economy and turn the markets around — all of them — in a 180 degree turn from bad to good."
Check your paperwork very carefully, people…all is not as it seems…
Somebody check this out please.!!!! If the land your house sits on is paid for and the dwelling is on the mortgage.. Example would be I own the land free & clear. I decide to build a house on my land. I get a loan from the bank to build the house. Now I can't afford my payment and the bank wants to foreclose… OK, how do they get to their colladeral (the dwelling) if it's land-locked by the land the house sits upon.?? Is this a legitamate loophole for the consumer.??
"Unless you become more watchful….....you will in the end find that the most important powers of Government have been given or bartered away and the control over your dearest interests has passed into the hands of these corporations." Andrew Jackson, in the midst of the war with Nicolas Biddle over the Bank of the United States.
A voice of wisdom from our past.
Did anyone see 60 mins when whistle blowers came forth and admitted to singing of on 4000 or more documents a day for $10.00 an hrs no experience necessary in a bogus name LINDA GREEN! The building was set up on or documentation signings and since 60 mins they have closed the building down. Last I check identity theft earned jail time!!!!
Commenting on this story is closed.
Foreclosure Crisis: Banks and Government Fail Homeowners
Banks and the government have fallen short in helping homeowners in danger of foreclosure.
The Story So Far
Systemic failures at the country's banks and mortgage servicers have exacerbated the most severe foreclosure crisis since the Great Depression, and government efforts to limit the damage have fallen short. ProPublica created an unrivaled database of homeowners who have faced foreclosure, opened a Facebook page to encourage homeowners to share their stories, wrote profiles of some of them, and incorporated their experiences into our reporting. We also provided a comprehensive rundown of the numbers behind the crisis.
Latest Stories in this Project
- Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say
- For Most Homeowners, Gov't Foreclosure Deal Brings A Few Hundred Bucks
- Feds Replace Flawed Foreclosure Review With Vague $8.5 Billion Settlement
- As Foreclosure Crisis Drags On, So Does Flawed Government Response
- Cheat Sheet: BofA Supplied Default Answers for 'Independent' Foreclosure Claims Reviewers


text:
Olympian thrills Fowler students
Meaghan Mikkelson shares Olympic gold medal experience with students at Richard S. Fowler School assembly
Friday, Mar 21, 2014 02:00 pm
Students at Richard S. Fowler Catholic Junior High School felt they won a gold medal at Thursday�s assembly with Meaghan Mikkelson, a St. Albert Olympian, as the guest of honour.
�It was pretty thrilling. I loved it that she came here,� said Grade 8 student Ethan Kidney, 13, a St. Albert bantam Warriors defenceman, while waiting in a long lineup to meet the Team Canada defenceman.
�She is a Canadian hero winning the gold medal in Sochi and Vancouver.�
Nicholas Wood, 14, described the experience as �pretty cool� after Mikkelson signed his hat.
�It�s awesome meeting an Olympic gold medallist,� said Wood, who patrols the blueline for the St. Albert bantam Stars.
The Grade 9 student was impressed with Mikkelson�s message about achieving goals in life.
�She said never stop and never give up and I like that,� Wood said.
Kaya Vandermeer, 12, was walking on sunshine after having her picture taken with Mikkelson.
�It�s a pretty good feeling to know that she won gold for us and that she is here at our school talking to us about her experience about it,� said the Grade 7 student. �She was also trying to get us to push for our dreams too and that was actually pretty cool.�
Miranda Gaudet, 14, is a Grade 8 student who aspires to be the next Mikkelson.
�I play hockey so it was inspiring to have her here because that�s my dream. I want to go to the Olympics too,� said the St. Albert midget AAA Slash right winger.
When asked what she liked best about Mikkelson�s presentation, Gaudet replied: �When she talked about her bike trip (130 kilometres during Team Canada�s boot camp in May) she said she never gave up and that kind of like inspired me to know that if I go through something like that not to give up.�
Mikkelson�s first appearance in St. Albert since the Sochi Winter Olympic Games brightened Lauren Shaw�s day. Shaw was one of several students who put their hands up when Mikkelson asked for a volunteer. She selected the Grade 7 student out of the crowd and hung the gold medal around her neck. Shaw proudly wore it (�It was heavy�) throughout the presentation, then later slipped it around Mikkelson�s neck as the student body burst into applause.
Afterwards, Shaw summed up the experience.
�It was really, really awesome!�


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"Nobody is perfect," he said. "I made a couple of mistakes. I'm not going to put my head down. I have to be ready for tomorrow. I wanted to play, and it was the manager's decision to put me in there."
Bumbles & fumbles as Texas falls 11-7 to Giants →
"It's more about keeping your eye on the ball," he said. "Since I was little, I've always swung at bad pitches."
It's official: Guerrero signs with Orioles →


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When the Houston Astros made the move from the National League to the American League to even the two leagues at 15 teams a piece, one of the consequences became spread out and continuous Inter-league games. Whether good or bad, it does present fans with rare opportunities to see a team they haven't in years and that is the case beginning tonight as the Baltimore Orioles play host to the Cincinnati Reds.
Cincinnati will enter the series with the Birds grasping on slim hopes for a playoff spot, while the Orioles are cruising with a 8 1/2 game lead in the AL East and four games behind the Los Angeles Angels for the top seed in the AL.
Here are the pitching matchups for the three game series:
- Bud Norris (11-8, 4.00 ERA) vs Mat Latos (5-3, 3.15 ERA)
- Miguel Gonzalez (7-7, 3.61 ERA) vs Dylan Axelrod (1-0, 1.64 ERA)
- Chris Tillman (11-5, 3.36 ERA) vs Mike Leake (10-11, 3.38 ERA)
As you could probably tell simply from the pitching matchups, both teams have pretty quality starting pitching, and the Orioles are going to miss one of the Reds best starters, former Oriole Alfredo Simon. This series will put two of the top half pitching staffs up against each other as the Reds 3.50 ERA ranks 10th in MLB, while the Orioles 3.59 ERA ranks 13th. The two teams are not separated very far in regards to WHIP either as the Reds are 9th with a 1.23 WHIP, while the Birds are 13th with a 1.26 WHIP.
Where the Orioles staff does separate itself is in the bullpen, the O's have the 8th best bullpen ERA in all of baseball with their 3.11 ERA, while the Reds bullpen ranks near the bottom (24th) with their 4.00 ERA. Obviously, the Orioles goal offensively should be to work the starters to get into that weak bullpen as quickly as possible.
Offensively, Baltimore has a clear cut advantage in almost every category as they come in 7th in all of baseball in average (.257), 7th in runs (591) and have hit 23 more home runs than any other team in baseball.
Cincinnati on the other hand, has struggled mightily at the plate as they are 18th in home runs (109), 28th in runs (515) and 28th in average (.240).
One aspect that the Reds do own a slight advantage is defensively, which is rare to hear for Orioles fans. Cincinnati owns the best fielding percentage in all of baseball with a .988 fielding percentage and have committed the fewest errors in the game. We state that the advantage is slight because the Orioles have the third best fielding percentage in baseball.
It will be fun to once again root against the Reds as these two teams have met in some crucial times in generations past, but this time it is not the Big Red Machine coming to Baltimore.
Be sure to "like" our Facebook page at www.facebook.com/Orioles101
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Seeing your team play in the SuperBowl is priceless. Watching the SuperBowl live in the stands for $1 per week is beyond priceless. Find out how at TicketScore.com, the future of Championship Tickets. Tags: Baltimore, Baltimore Orioles, Baseball, MLB


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SWINDON Town had a busy end to the transfer window this evening.
The County Ground side announced the re-signing of defender Jack Stephens on loan until the end January minutes before the window slammed shut.
Then at 11.20pm it was confirmed that Louis Thompson was on his way out of SN1 to Championship side Norwich City.
The 19-year-old midfielder, who penned a three-year deal at Carrow Road in move which could potentially net Town a seven-figure fee, will return to his hometown club for the remainder of the campaign on loan.
The youngster said: "I'm extremely proud. To come to a club of Norwich City's stature is a fantastic achievement for me.
"I'm really looking forward to the challenge of coming here after my loan finishes at Swindon.
"It's a massive club with a huge fan base, there's not a single negative thing to say about them. Hopefully they can do well this year and challenge for a Premier League place."
Canaries boss Neil Adams added: "We've got quite a lot of cover in midfield but Louis is a player we've identified with plenty of potential, so it's best suited for him to stay with his current club for now and we'll continue to monitor his progress."
Thompson was handed his professional debut by Swindon as a 17-year-old back in 2012, and he established himself in Mark Cooper's team last year, featuring 35 times in all competitions, scoring twice.


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::an[ph]ony and CaseSpace have joined the conversation::
an[ph]ony says: Working tonight kiddo?
CaseSpace says: Niet. I've got the night off puddin' pop.
an[ph]ony says: What? I'm slaving without you to keep me sane?
CaseSpace says: Suck it up, princess.
an[ph]ony says: Pfft. Whatever. Doing anything more awesome than me today?
CaseSpace says: Umm, I don't know, what are you doing today?
an[ph]ony says: Babysitting my two year old cousin (she-devil), then slaving behind a bar until I die or get herpes from touching too many dirty glasses. Fun, much?
CaseSpace says: Wow, sounds you're in for a fabulous time. I'm heading to Cottesloe with Penelope and Lena. Apparently Penelope needs to drop off something at a friend's who lives there. We should all be so lucky.
an[ph]ony says: Dude. It's like a million degrees today. If I weren't already sunburnt from the other day I'd be green with jealousy.
CaseSpace says: Good to hear. Listen, gotta run - Pene's honking at me like I don't live in a neighbourhood full of people who are all asleep at 9 on a Saturday morning... xxoxo
::CaseSpace has left the conversation at 8:57am::
::an[ph]ony has left the conversation at 8:57am::
I remember the first time I saw him with shame. Cheek burning, cringe worthy shame.
The day was December the 12th, 2011. It was a hot, dry day. The concrete scorched my feet as I ran across the road, three ice-creams clutched in salty, sandy hands. It was almost 4 o'clock in the afternoon and the sun didn't appear to be letting up with its relentless, blistering heat. I was at the beach with two of my friends and had drawn the short straw for the ice cream run. With said unlucky straw in hand I had promptly been sent on my merry way across the road to the tiny store which was more popular than the local pub today. Luckily for me, the shop was only twenty metres away, over a handy zebra crossing and through a tangle of picnic tables shaded with big, red Coca Cola umbrellas. People were lounging idly all over the place, sweating and clinging to cold beers or sodas for a bit of relief. It was almost too hot to think.
The inside of the small store was crowded with sweaty, salty semi-naked bodies all trying to huddle under the air-conditioner at once while simultaneously queueing in front of two hassled, equally sweaty looking teenagers. I muscled my way to the ice-cream counter -
"One strawberry, one cookie-cream-commotion and one mango sorbet please, all in waffle cones." I said cheerfully, raising my voice over the din in the tiny shop. I left the shop juggling my wallet and the three ice-creams, growing irritated with drips running down my fingers before I'd barely walked five metres in the sun. I skipped across the zebra crossing smirking at a hoon in a hotted up Volkswagon with racing stripes who had to stop for me. Honestly, who puts racing stripes on a v-dub? The heavy bass pumped from the stationary car and I wondered if people had to try to be so cliche or if it just came naturally to them. I groaned and pulled my phone out of my pocket when I felt it buzzing;
hope ur having fun at the beach bitch. the 2yr old spawn of satan just waxed my leg with duct tape when i wasnt paying attention. little tiprat.
This I laughed at before immediately swearing at the rapidly melting icecreams balanced precariously in my hands.
I mounted the footpath again, squinting as the sun glinted off the ocean, sending bright flashes of light into my eyes. This is where I ran into him, ice-cream first. The three now soft lumps of deliciousness smeared across his appallingly dorky blue and white print hawaiian button up. I growled in frustration, shaking the ice-cream from my hands and dropping the now useless waffle cones on the grass. The words were out of my mouth before my brain even registered I was speaking;
"God! Why don't you watch where you're going? You blind or something?"
Then I saw the golden retriever in a harness at his side. And I looked up from my sticky hands and his sticky shirt to his face. The first thing I noticed was that he was quite a looker - tanned skin, a strong jaw with a few days of stubble and messy, badly cut brown hair with a touch of gold. The second thing I noticed was the mirror lensed aviators he was wearing and how they hid his eyes from view. I blush now just thinking about what I did next, when he took off those glasses. He was tall, so he was looking down at me which always makes me uncomfortable, one hand was holding his dog's leash and his messy shirt away from his stomach and the other long-fingered brown hand reaching up to remove his sunglasses. I flinched when I saw his eyes; they were a milky hazel colour and I remember the green in them even now. It was the sheen of white covering his irises and pupils that freaked me out,
"Oh my god!" I began and I wish with all my heart that I'd stopped there. "That's so freaking queer!" The words hung in the air between us and even as I backed away I wished I could take them back, but I didn't and I never even tried to. He stood and stared sightlessly at me for a long moment before replacing his glasses. I couldn't stop the sigh of relief that escaped my lips when he did. He heard.
"My apologies, I should have been more careful." His clipped English accent made me flinch, "Midget," he said, "Come on girl, let's get out of here." Then he turned away, his back straight and his strides long. His beautiful big golden retriever padding along slightly ahead of him as he walked away with more dignity and grace than I've ever had in my life.
That was the first time I ever met him, and after I'd hoped it would be the only time. I'd returned to Lena and Penelope with little more than disgustingly sticky hands and a fading blush. They asked me teasingly if I'd eaten the ice-creams all myself. Well, Pene was teasing. I think Lena was a little pissed. I told them I'd dropped them accidentally and then mumbled that I would go get more. I avoided their eyes awkwardly as I scrabbled in my old, faded, Warhol print beach bag for my wallet.
"My shout." I said before taking off back to the shop. I tried to forget the proud, dignified man with the milk-eyed gaze.
::CaseSpace, LENAway and penELOPE have joined the conversation::
penELOPE says: Girl you were strange today at the beach.
CaseSpace says: Strange? Was not.
penELOPE says: Umm hello? You spent like half an hour buying ice-creams and then came back with, well, no ice-cream that's for sure.
LENAway says: I concur.
CaseSpace says: Oh shut up you.
LENAway says: Nice.
CaseSpace says: Sorry - I just ran into a weird guy. He freaked me out.
penELOPE says: Was he hot?
CaseSpace says: Please Pene. Get your mind out of the gutter! He was blind. Apart from that he was alright... no Hague though.
penELOPE says: Well. My advice, in this scenario, is to forget him, Case. Blind people lead to no good.
CaseSpace says: I'm sorry. How many blind people do you know?
penELOPE says: None, actually. But I can extrapolate from movies and stuff. Do you know that zombies are blind?
CaseSpace says: Charming.
::CaseSpace has left the conversation at 07:23pm::
LENAway says: Odd girl that one.
penELOPE says: Absoloodle (three times). G2g Lena. See you... umm... sometime.
LENAway says: Tuesday. Dinner at Casey's... remember?
penELOPE says: God. Yeah... I RSVPed didn't I? Is she cooking that awful risotto again?
::LENAway has left the conversation at 07:25pm::
::penELOPE has left the conversation at 07:25pm::
I didn't see him again for three-months but I would think about him in the weeks following so often, cringing in embarrassment and shame every time. My cheeks would heat up and I would shy away from eye contact with anyone, in case they could read the guilt I was harbouring and condemn me for it. My shame was real - normally I am not so callous and cruel. I can't explain my reaction that day, I have seen blind people before, and I certainly can't justify my actions - it just happened. I guess that's why, when I saw him again, I acted in the complete opposite extreme.
The second time was another meeting of chance which I was equally unprepared for, though I had imagined it more than once in the weeks gone by. I was walking out of a restaurant in Northbridge after celebrating my twentieth birthday with friends. My actual birthday had been two days earlier on the 15th of March but I'd decided to celebrate on a Saturday so no one had classes or work the next day. We were all dolled up, making a real night of it (liquor running freely all around), and I was wearing a new dress. It was bright poppy red, strapless and flowed out from the waist, ending at my knees in a swish of expensive silk. It was my birthday gift to myself and I thought I looked pretty hot in it; I'm an autumn colours kind of girl.
We exited the restaurant in a clatter of laughter, vibrant colour, cheap jewelry and sweet perfume. We turned and started walking to the first chosen bar of the night - they had a band on which Lena's mate from work was in so we were going to check them out. I remember the night was a balmy one; absolutely no need for a jacket and all the guys were sweating because it's what they do best. It was his dog I noticed first this time, probably because she was growling at a few teenage louts and standing guard over her master. The three boys were maybe fourteen or fifteen and they sickened me. Jeering and taunting the blind man who was lying on the ground in a dirty puddle. As we watched he picked himself up and started fumbling around for his glasses which had fallen in the cruel, cowardly attack. One of the boys stomped on them, I saw him flinch at the sound of crushed glass and twisting metal. Another of the boys tripped him again and kicked him in the ribs. His crony was winding up for another kick when I stepped in.
"Hey you assholes! Go pick on someone your own miniscule intellect! Get out of here you little dipshits!" I ran forward in my shiny red shoes, backed by all my friends who had just noticed what was going on and were moving forward with me. I turned to my work friend, feeling upset,
"Anthony, can I have your sunnies?" He gave me a startled look but handed them over all the same. They hadn't seen his eyes yet. He dragged himself back to his feet and stood side on to us, shoulders tense in another sopping, gaudy Hawaiian masterpiece with his fingers buried in his dog's fur.
"Hey," I murmured walking up and standing in front of him.
"What do you want," He asked viciously, "Come to have a go? Pick on the blind guy again - didn't you get enough at the beach?" He had me there - how the hell had he known who I was? I stumbled over my words, blushing and then blushing harder because I knew he couldn't see it. My friends were watching in avid interest, curiosity all over their faces - I'd never mentioned that I had a blind friend. They didn't interfere though, which I am grateful for.
"I... no. I just wanted to give you these." I stupidly held out the glasses for a moment and just stood there. He let a bark of angry, bitter laughter loose and pointed at himself,
"Blind - remember?" He reminded me, somehow it seemed harsher with his accent.
I blushed a little more, for a change, "Oh." I reached out with my free hand and took his, which was huge compared to mine, I pressed the glasses into his palm. I noticed, as his grip tightened, the play of wiry muscles on his forearm and the writing in big black permanent marker on the inside of his wrist;
Can you see me?
Mumbling sorry to him I went back to my friends and made to walk away when his voice rang out,
"Hey, beach-girl! This isn't a pity factory." He bent down and placed Anthony's glassing with unnerving accuracy next to his own shattered ones. My friends saw his face properly for the first time. I remember glaring at them, daring them to say something but they didn't. I guess they're better people than me. For the second time I watched him walk away, his back straight and his dog faithfully guiding him. Anthony went forward and picked up his glasses, commenting lightly;
"I guess he didn't like the shape."
A few moments later a man bursts out of the restaurant we'd just been in. "Shit!" He says, in our general direction. Then he looks at us, "Sorry, but have you guys seen a blind guy around here someplace? He's my cousin and I'd be murdered if I lost him!"
I nod slowly, "He went that way." I gesture to the street leading south and watch as the man, lacking a British accent, I note, races off again.
I glanced back at the puddle after everyone else had started walking away and then I saw it - a piece of folded paper half in the dirty puddle. I nipped back quickly and picked it up, using a tissue to soak the water off it. Why would a man who can't see have paper on him? It was crumpled and old looking and when I unfolded it I realised it was a photograph of a little boy with messy bronze hair, a smiling face and beautiful hazel eyes. So he hadn't always been blind. On the back there was neat writing, a woman's I'd say. Probably his mother;
Levi at the beach. Age 7, 13/12/1996
But there was also scrawl that I couldn't read in the dark street - it was a paragraph but the lines were all overlapped and irregular. As we were waiting in line for the nightclub I managed to decode it. It almost made me cry.
Day sixteen of the blindness. It's like a plague - every night I dream in colour, but it fades. I think that soon I will forget what colours are, I will forget the the ripple of light reflecting off water. I will forget the myriad of greens all around. Every night I dream of the colours and the shapes of my life that used to be. Now, in the darkness of day, I try to picture things as I would have seen them. It gets harder and harder. This photo is the last my sister took of me, I remember the day quite clearly - I think about it all the time, I don't want to lose the best moments of my life to the darkness. I want to remember. I want to keep the colours close to me. I want to remember...
Greetings! Basically I have written most of this story and it's been sitting around in my computer for a while, languishing. If you read it and like it, tell me! I'll be motivated to post more. If you don't like it, tell me! And I won't subject you to any more of it. I adore hearing what you have to say, regardless.
Soundtrack to Chapter I... 'Landed' - Ben Folds. 'Mermaids' - Jinja Safari. 'Tucan' - Kids of 88. 'Sinister Kid' - Black Keys.
Enjoy - Jorgia.


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Zabar's Eight Nights of Chanukah Gift Basket
If you're away from someone you love this holiday season, you can send them one Chanukah gift that will last all 8 nights! Zabar's Eight Nights of Chanukah Gift Basket comes complete with toys and goodies for each of the nights of Chanukah. From dreidels and menorah candles to cookies and candy, this is Kosher at it's koolest.


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Here's a Video of Kanye West Actually Proposing to Kim Kardashian
We've heard the news and seen the ring, now let us bask in the glory that is Kanye West's actual proposal to Kim Kardashian.
Shot by YouTube co-founder Chad Hurley, video footage of Yeezy popping the question has surfaced online. The clip, which has been edited down to a little over two minutes, shows Kimye watching a firework display accompanied by music from a live orchestra before the rapper dropping down on one knee.
West proposed to Kardashian on the reality starlet's 33rd birthday at San Francisco's AT&T Park. The duo were then surprised by 250 of their closest friends and family members for an impromptu celebration.
Obviously, everything — including Kardashian's 15-carat engagement ring — was documented on social media. (Well, aside from the video below, of course.)


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Pets can be loyal but if you're a parrot person and break the law, better watch that squawker!
Last week, a Philadelphia detective testified how a foul-mouthed bird helped lead police to a woman suspect on trial for abducting and sexually assaulting a 5-year-old from school last year.
During the 19 hours she spent blindfolded in a west Philadelphia home, the girl reported hearing a talking bird. Before she was abandoned at a park, she also got a glimpse of the back of the house.
But it was the swearing parrot that became the focus of Detective Daniel O'Malley's investigation. A tip led him to the home of 19-year-old Christina Regusters where detectives were greeted by a foul-mouthed macaw.
Regusters reportedly worked in an after-school program and knew the girl she was charged with abducting. Her lawyer argued that police have the wrong suspect.
This wasn't the first case of a pet squealing on its owner. Last January, Guillermo Reyes was pulled over by police in a routine stop in Mexico City.
When the officer approached Reyes' car and started to ask some routine questions, a voice in the car said, "He's drunk, he's drunk." The officer could not see anybody but Reyes' pet parrot, a real stool pigeon.
Reyes failed a breathalyzer test, which required a day in jail. When police saw how closely bonded the parrot was with his drunken owner, they decided to send both to the lockup.
Thus, Reyes had the dishonor of being busted for drunken driving after being ratted out by his pet.
This summer, a parrot named Heera was at the center of a murder investigation in Balkeshwar Colony, Agra, India. The suspect, Ashutosh Goswami, had decided to rob the home of his aunt and uncle with an accomplice and the plot led to the stabbing death of his aunt.
The victim's husband, Vijay Sharma, said Heera had identified his nephew as the killer with a squawk during a police lineup. Goswami was just one of a number of suspects until Sharma read out their names in front of the parrot. When Goswami's name was read, the parrot squawked "Usne maara, usne maara' -– 'he's the killer, he's the killer.'
As these suspects found out, there's no such thing as a silent witness in the parrot world.
By Jim Zbick


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Ask a Mechanic Online and Get Answers to Your Car Questions
Hi, I'm Ted.
You need to see if it is a fuel or spark issue. You could start by checking fuel pressure when it dies. Then I would test spark. just remove a plug and wire and crank it to see if it sparks, lay the plug on something metal and dont touch it. If you have no fuel pressure the fuel pump may be binding up when its hot. If you have no spark the problem could be inthe ignition system.


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When you follow Our Town Thrift Store on Facebook and Twitter, you will get the latest sale information and useful household information to make your like easier. Join our growing family today.
You can also find us on Pinterest and Instagram. blog posts page.
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Our Town Thrift Store has a large collection of artwork. From modern originals to limited edition lithographs, glass and ceramic pieces
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This is only a small sampling of the things that you will find at Our Town Thrift Store. To help you keep informed, we added an online store, a Facebook, Pinterest, Instagram and Twitter pages too.
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$6.00 a Bag Sale Starts in
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Don Schumacher Racing press release
Déjà vu would be great for Matt Hagan at this weekend's Auto-Plus® NHRA Nationals
MOHNTON, Pa., September 27, 2011 – Matt Hagan, driver of the DieHard Advanced Gold Dodge Charger R/T Funny Car would like to leave here Sunday night following the 27th annual Auto-Plus® NHRA Nationals the same way he did after last year's race – holding first place in the Countdown to the Championship standings.
You have to be greedy and go for everything this time of the year.
Last year at Maple Grove Raceway the Don Schumacher Racing driver used a record-setting run (4.011 seconds) to qualify on the pole and a runner-up finish to move around John Force. This year, the 29-year-old flopper pilot comes to Southeastern Pennsylvania four points – less than a round – behind Force's teammate Mike Neff.
"We made progress and closed the gap last week in Dallas when we beat Zippy (Neff) in the first round," said the Christiansburg, Va. native. "But we let an opportunity slip away by going out in the second round."
A return to the hills of Southeastern Pennsylvania renews the team's optimism.
"I hope it cools down this weekend, which it's supposed to do, because Tommy has some great data for Maple Grove," explained Hagan, who broke his national record earlier this month by running 3.995 seconds in Charlotte, the first sub-four-second 1,000-foot lap in history. "We could go for it again; those 20 bonus points would be a great thing to add to our total.
"You have to be greedy and go for everything this time of the year. You have to grab every advantage if you want to win the championship and that is exactly what we are gunning for."
Hagan picked up his first win of the 2011 NHRA Full Throttle Drag Racing Series season at the Charlotte event – first of six Countdown races – which had moved him from sixth to second in the standings around DSR teammates Ron Capps and Jack Beckman as well as Cruz Pedregon.


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Version 0.9.2
FIX LoD Darstellung, Sorry hat ein wenig länger gedauert!
Ein neuer Baum (Beta) !!Starkholz!!
I add here once before my placeable pines. But these are not yet complete and still in beta !!!
They are created from scratch, and so it is possible that I could highlight some example for damaged trees that have gone (white dot) or white line for newly created skid trails.
There are different here from Krumm 33m high or 13m high and beautiful Especially!
Now it's so provide nice straight trees ans sawmill and stuck the crooked in the shredder: P
Map Modder need not ask if they obstruct these trees. All others have not released for processing or distribution in jedlicher art and white!