American’s Gun Rights Under Attack from All Sides, Get Ready to Keep Your’s By Force… Ammoland Inc.

Read more: https://www.ammoland.com/2019/09/americans-gun-rights-under-attack-from-all-sides-get-ready-to-keep-yours-by-force/#ixzz5yb0Jgti2
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American’s Gun Rights Under Attack from All Sides, Get Ready to Keep Your’s By Force
Ammoland Inc. Posted on September 4, 2019 by John Farnam
Opinion

Ft Collins, CO –-(Ammoland.com)- “It’s so much darker when a light goes out than it would have been, had it never shone.” ~ John Steinbeck

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In Iowa, Sleepy Joe just stated that he wants to “ban magazines that hold multiple bullets.” Since, in all of world history, no magazine has ever been manufactured that holds only one cartridge, Joe conspicuously wants a federal prohibition of all guns with, or capable of accepting magazines. Sleepy Joe is so predictable.

“Beto,” is advocating a “non-voluntary ‘buy-back’” (AKA: forced confiscation) of all currently legally-owned guns that he doesn’t like.

Listen carefully to Kamala! She said, “If elected president and you don’t surrender your guns, I will sign an executive order, and police will show up at your door!”
The dreaded, NKVD-style “knock-on-the-door-at-midnight” is coming to a place near you! At least Kamala is brutally candid, unlike most of her mealy-mouthed commissars.

Buttigieg “supports a new federal ban on assault-style weapons, as well as a voluntary buyback program for existing assault-style weapons.” We all know from past experience that the “voluntary” part is a lie (see Beto, above).

Booker, when elected, will establish a “federal registry” of all guns, plus a separate federal registry of all individual gun owners. We’re all going on a “List!” American citizens who want to continue to own guns will have to “apply,” and then re-apply every few years. Naturally, Democrat’s protective gaurds need not apply.

The San Francisco Board of Supervisors (all liberal Democrats) just declared our NRA to be a “Domestic Terrorist Organization.” Simultaneously of course, ANTIFA enjoys their blessing. Individual NRA members are now “terrorists.”

Walmart’s CEO, also a liberal Democrat and who dubiously claims to be a gun-owner himself (they all do), has sanctimoniously declared his stores will no longer sell to us peons “ammunition for short-barreled rifles.” Like Sleepy Joe, he is sublimely ignorant of relevant facts pertaining to firearms, which is not surprising.

Democrats War on Guns
Democrats War on Guns
The dogma from Democrat/socialists is clear, and becoming clearer by the day: When we’re in power, we will come to your home and forcibly confiscate your guns, EVERY ONE OF THEM!
We, of course, will retain ours.

Past pseudo-pious declarations that “We are not coming after your guns” are/were sleazy lies, as we see.

Doubt that at your peril.

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“The type of training (rifle/pistol in the Czech Republic) that we went through is currently impossible on my side of the world (France). And I realize how much those in former colonies of the USSR hunger for individual freedom, while how naively citizens of Western Civilization are carelessly surrendering theirs. When you have been brutally enslaved for sixty years by Communist tyrants, the word ‘freedom’ has special meaning.” ~ From a friend in Western Europe

/John

From Clouded Titles Blog: Fifth US Circuit Rules FHFA Unconstitutional!

JULY 27, 2018 · 8:19 AM

FIFTH U.S. CIRCUIT RULES FHFA UNCONSTITUTIONAL!
BREAKING NEWS — OP-ED — This just received out of New Orleans …

Collins et al v Mnuchin et al, 5th App Cir No 17-20364 (Jul 16, 2018)

The 5th Circuit Court of Appeals denied damage awards to three investors who claim they lost money as shareholders in Fannie Mae and Freddie Mac due to the toxicity of the 2008 mortgage markets and challenged the constitutionality of the Federal Housing Finance Agency. The Fifth Circuit failed to award damages (as expected) to the investors but ruled that the FHFA, by its very structure was unconstitutional due to the way it was structured to act as a conservator for the two GSE’s and thus violating the Separation of Powers Clause. You can bet that the FHFA will appeal this ruling to save its own ass.

As you recall, the CFPB met similar fate in a ruling issued by a federal judge in New York. The ruling is here:

CFPB et al v RD Legal Funding et al, U.S. S.D. NY No 17-Civ-890 (Jun 21, 2018) 00890-Order

Why doesn’t any of this surprise me? This is why we need public banking. The U.S. Government has set up legislation to protect the banks under 12 U.S.C. but it shows a poor example of financial leadership when its own GSE’s operate without transparency, hiding behind a wall of assignments and secrecy in the land records. Most people recognize that when you put money into an investment vehicle, you risk losing it, which is exactly what happened to the three investors who sued Fannie and Freddie through the FHFA.

Tough toodles on the investors, huh? Why do people keep trusting that the U.S. Government is managed by sound financial policy when its own Congress is self-serving and bipolar in its very nature. This is why we need public banking and to hell with the federal reserve. We have one public bank (The Bank of North Dakota) that IS properly managed and is financially sound (which represents the interests of business and consumers in that State). However, that being said, fiat currency is fiat currency and as long as we have Congress writing checks its body can’t cash, further driving us as a nation into debt, taxing its citizens into oblivion, using “Federal Reserve Notes” (promises to pay) as legal tender, this country is in trouble, because there’s nothing backing that debt. We went off the Gold Standard in 1975 (thanks to Nixon).

Most people also do NOT recognize that Fannie Mae and Freddie Mac are administrators for their own REMIC trusts, despite the fact that when properties are converted by assignment and “alleged transfer” to a given GSE that it is likely that the actual REMIC it manages it never mentioned. Thus, it raises suspicions that the quasi-government entities created to back the mortgage and housing markets are swindlers on paper!

Foreclosure Hell Rattles On

With the plethora of foreclosures that has raddled the core of this country, I find it highly questionable that companies openly advertise that they will Help you to strategically build a chain of title.
Can we say DOCX? Lender Process services, Prommis Solutions?

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Life of Loan Enabled Services (1) Servicing Data Validation (2) MERS Updates (2) Assignments and/or (3) Lien Releases – we will offer discounts on same order processing; when needed.

Effective Document Chasing Processes Escalated In Accordance with Investor Specific Deadlines – we will minimize investor imposed penalties as well as document related buybacks.

Closing Agent and/or Correspondent Score carding – we provide the data to score performance; delivery ratios and error percentages to manage the relationships you rely on.

You can count on Nationwide Title Clearing, Inc. for thorough and timely follow-up and tracking on all your outstanding original documents.

FROM ENENEWS: New York Times Reports The Best Way to Handle Cancer, to Discourage Early Detection (Sounds Like Agents for Agenda 21 to Me)

NYTimes: Doctors want ban on thyroid cancer screenings — “A tsunami of thyroid cancer… Stop the diagnosis… We need to actively discourage early detection” — WSJ: Judge rules nuclear reactors causing thyroid cancers — Study: Fukushima-related tumors can spread very fast, must be closely monitored

Published: November 7th, 2014 at 10:11 am ET
By ENENews
http://enenews.com/nytimes-doctors-call-banning-thyroid-cancer-screening-tsunami-thyroid-cancer-stop-diagnosis-decrease-screening-need-actively-discourage-early-detection?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ENENews+%28Energy+News%29

New York Times, Nov. 5, 2014 (emphasis added): To the shock of many cancer experts, the most common cancer in South Korea… is now thyroid cancer, whose incidence has increased fifteenfold in the past two decades. “A tsunami of thyroid cancer,” as one researcher puts it… Cancer experts agree that the reason for the situation in South Korea and elsewhere is not a real increase in the disease. Instead, it is down to screening… “It’s a warning to us in the U.S. that we need to be very careful in our advocacy of screening,” said Dr. Otis W. Brawley, chief medical officer at the American Cancer Society… some doctors, including Dr. Hyeong Sik Ahn of the College of Medicine at Korea University in Seoul, the first author of the new paper, have called for thyroid cancer screening to be banned… Thyroid experts in the United States are calling for restraint in diagnosing and treating tiny tumors… Dr. R. Michael Tuttle… said the best way… was to “stop the diagnosis… decrease screening”

New York Times Op-ed by H. Gilbert Welch, Nov. 5, 2014: An Epidemic of Thyroid Cancer [in South Korea]?… Nowhere in the world is the rate of any cancer growing faster… Where did all those new thyroid cancers come from? They were always there. As early as 1947 [See: August 1945 atomic bombings of Hiroshima and Nagasaki, both ~150 miles from S. Korea] … thyroid cancer was a frequent finding during autopsies. Studies have since shown that over a third of adults have thyroid cancer… Even without a concerted effort to promote screening, thyroid cancer incidence in the United States is up threefold since 1975. To reverse this trend, we need to actively discourage early thyroid cancer detection… having doctors not look too hard for early cancer is in your interest… Too many epidemiologists concern themselves.. with hoping to find small health effects of environmental exposures — or worse, uncertain effects of minor genetic alterations.

Wall St. Journal, Oct 21, 2014: A South Korean court for the first time has ruled in favor of a plaintiff claiming… thyroid cancer was caused by radiation from six nuclear power plants located [5 miles] from her house… “She has lived within 10 km of the plants for over 20 years and has thus been exposed to radiation for a long time. Other than the radiation from the nuclear reactors, there’s no clear reason for her cancer,” the court said… [A] government-commissioned study in 2011… showed women living within 5 km of nuclear plants had 2.5 times higher incidences of thyroid cancer… [In a study of the plaintiff’s county by a] nuclear-power research institute… between July 2010 and December 2013, about 1.4%… were found to have thyroid cancer… in 2011 [women had] 114 cases out of 100,000 [0.11%].

UC San Francisco, Oct. 27, 2014: For the first time, researchers have found that exposure to radioactive iodine is associated with more aggressive forms of thyroid cancer… Lydia Zablotska, MD [said] “Our group has previously shown that exposures to [Chernobyl’s] radioactive iodine significantly increase the risk of thyroid cancer… The new study shows that radiation exposures are also associated with distinct clinical features that are more aggressive”… Zablotska said the findings have implications for those exposed to [Fukushima’s] radioactive iodine fallout… “children or adolescents to the fallout are at highest risk and should probably be screened for thyroid cancer regularly, because these cancers are aggressive, and they can spread really fast… Clinicians should be aware of the aggressiveness of radiation-associated tumors and closely monitor those at high risk.”… radioactive iodine [exposures] are associated with a whole spectrum of thyroid diseases… Thyroid cancer is ordinarily rare among children, with less than one new case per million diagnosed each year… [In the study] researchers diagnosed 158 thyroid cancers among 11,664 [13,546 per million] subjects…

See also: Japan Expert: Outbreak of cancer now underway in children after Fukushima; Clear evidence of epidemic — Official: Would be disastrous to conclude it’s actually from Fukushima

Henry County, GA Sheriff’s Captain Arrested For Sex With Boys

Posted: 8:42 p.m. Wednesday, Aug. 27, 2014

Police: Henry sheriff’s captain arrested for arranging tryst with child

 View Larger

Police: Henry sheriff’s captain arrested for arranging tryst with child photo
Capt. David McCart of the Henry County Sheriff’s Office

The Atlanta Journal-Constitution

http://www.ajc.com/news/news/henry-county-sheriffs-captain-arrested-for-arrangi/ng97K/

 

A Henry County sheriff’s deputy was arrested in DeKalb County and stands accused of attempting to arrange a sexual encounter with a 14-year-old.

Capt. David McCart of the Henry County Sheriff’s Office was arrested Tuesday after a two-month investigation, according to Channel 2 Action News.

DeKalb investigators told Channel 2 that McCart met the boy online through social media. The two allegedly talked about different sexual activities and agreed to meet, according to the television report.

“We were doing a cross-country operation with the FBI and during that time we came into contact with an individual later identified as Captain McCart,” DeKalb County police Sgt. Torrey Kennedy told Channel 2. “Mr. McCart was on a social media website chatting with who he believed was an underage child. During that chat, they had a sexual, explicit conversation in which they agreed to meet for sex.”

The conversation moved to texting as McCart allegedly planned to meet the child. Once they agreed on a time and place, McCart showed up at the mall, where he was met by police, according to the report.

The investigation into McCart’s activities continues, as police determine whether he had contact with other children.

Henry County, GA Sheriff’s Captain Arrested For Sex With Boys

Posted: 8:42 p.m. Wednesday, Aug. 27, 2014

Police: Henry sheriff’s captain arrested for arranging tryst with child

 View Larger

Police: Henry sheriff’s captain arrested for arranging tryst with child photo
Capt. David McCart of the Henry County Sheriff’s Office

The Atlanta Journal-Constitution

http://www.ajc.com/news/news/henry-county-sheriffs-captain-arrested-for-arrangi/ng97K/

 

A Henry County sheriff’s deputy was arrested in DeKalb County and stands accused of attempting to arrange a sexual encounter with a 14-year-old.

Capt. David McCart of the Henry County Sheriff’s Office was arrested Tuesday after a two-month investigation, according to Channel 2 Action News.

DeKalb investigators told Channel 2 that McCart met the boy online through social media. The two allegedly talked about different sexual activities and agreed to meet, according to the television report.

“We were doing a cross-country operation with the FBI and during that time we came into contact with an individual later identified as Captain McCart,” DeKalb County police Sgt. Torrey Kennedy told Channel 2. “Mr. McCart was on a social media website chatting with who he believed was an underage child. During that chat, they had a sexual, explicit conversation in which they agreed to meet for sex.”

The conversation moved to texting as McCart allegedly planned to meet the child. Once they agreed on a time and place, McCart showed up at the mall, where he was met by police, according to the report.

The investigation into McCart’s activities continues, as police determine whether he had contact with other children.

Obama Administration Suppresses Talk of Muslim Persecution of Christians


http://www.freerepublic.com/focus/f-news/3181378/posts

Obama Administration Suppresses Talk of Muslim Persecution of Christians
FrontPage Magazine ^ | July 17, 2014 | Raymond Ibrahim 

Posted on 7/17/2014 8:07:32 AM by SJackson

Obama Administration Suppresses Talk of Muslim Persecution of Christians

Posted By Raymond Ibrahim On July 17, 2014 @ 12:35 am In Daily Mailer,FrontPage | 1 Comment

Originally published by the Gatestone Institute.

Along with an especially egregious list of atrocities committed against Christian minorities throughout the Islamic world, March also saw some callous indifference or worse from the U.S. government.

President Barack Hussein Obama was criticized by human rights activists for not addressing the plight of Christians and other minorities during his talks with leaders in Saudi Arabia, where Christianity is banned.

According to the Washington-based International Christian Concern (ICC) advocacy group, Obama did not “publicly broach the subject of religious freedom” during talks on March 28 with Saudi King Abdullah, despite a letter from some 70 members of Congress urging him to “address specific human rights reforms” both in public and in direct meetings with Abdullah and other officials.

“This visit was an excellent opportunity for the president to speak up on an issue that affects millions of Saudi citizens and millions more foreign workers living in Saudi Arabia,” said Todd Daniels, ICC’s Middle East regional manager, adding that it was “remarkable that the president could stay completely silent about religious freedom” despite pressure from Congress “to publicly address the issue, as well as other human rights concerns, with King Abdullah…”

U.S. officials reportedly responded by saying that “Obama had not had time to raise concerns about the kingdom’s human rights record.”

Separately, after the United States Institute for Peace (USIP) brought together the governors of Nigeria’s mostly Muslim northern states for a conference in the U.S., the State Department blocked the visa of the region’s only Christian governor, Jonah David Jang, an ordained minister, citing “administrative” problems.  The USIP confirmed that all 19 northern governors were invited, but the organization did not respond to requests for comments on why they would hold talks without the region’s only Christian governor.

According to Emmanuel Ogebe, a Nigerian human rights lawyer based in Washington, the Christian governor’s “visa problems” are due to anti-Christian bias in the U.S. government:  “The U.S. insists that Muslims are the primary victims of Boko Haram. It also claims that Christians discriminate against Muslims in Plateau, which is one of the few Christian majority states in the north. After [Jang, the Christian governor] told them [U.S. authorities] that they were ignoring the 12 Shariah states who institutionalized persecution … he suddenly developed visa problems…  The question remains—why is the U.S. downplaying or denying the attacks against Christians?”

March’s roundup of Muslim persecution of Christians around the world includes (but is not limited to) the following accounts, listed by theme and country alphabetical order, not necessarily according to severity.

The Slaughter of Christians

Egypt: During pro-Muslim Brotherhood riots, a young Coptic woman named Mary was murdered—simply because her cross identified her as a Christian to Brotherhood rioters.  According to an eyewitness who discussed the entire event on the Egyptian program, 90 Minutes, Mary Sameh George was parking by the church to deliver medicine to an elderly woman: “Once they saw that she was a Christian [because of the cross hanging on her rear view mirror], they jumped on top of the car, to the point that the vehicle was no longer visible. The roof of the car collapsed in.  When they realized that she was starting to die, they pulled her out of the car and started pounding on her and pulling her hair—to the point that portions of her hair and scalp came off.  They kept beating her, kicking her, stabbing her with any object or weapon they could find….  Throughout [her ordeal] she tried to protect her face, giving her back to the attackers, till one of them came and stabbed her right in the back, near the heart, finishing her off.  Then another came and grabbed her by the hair, shaking her head, and with the other hand slit her throat.  Another pulled her pants off, to the point that she was totally naked.”

Nigeria:  A Muslim father allegedly slaughtered or had someone else slaughter his daughter with a machete, wounding a pastor and four others in the attack, because she had earlier converted to Christianity. According to police reports, “the suspect allegedly sneaked into the church premises and inflicted machete cuts on the four persons” seriously wounding them and killing his daughter. Prior to that, the father had threatened his daughter to return to Islam or else, and she had taken refuge in the church.  Police had not made clear if it was the father or an accomplice who committed the assault.  Separately, Muslim Fulani herdsmen launched another night raid into a Christian majority region, massacring over 150 people, including a pastor, his wife and children; some 200 homes were torched.  A surviving eyewitness said that attackers were about 40 in number and were armed with knives, guns and other unidentifiable equipment.  They came in the night and began by setting fire to the homes, burning dozens of Christians alive: “Those that tried to escape were butchered or gun down.”

Pakistan:  “A young Christian girl was killed by the Pakistani Taliban in the northern region of Pakistan,” reported Agenzia Fide: “The girl had spent a few months on the run and in hiding with her cousin, a Muslim who converted to Christianity a few years ago. Since the conversion, the man is considered an ‘apostate’ and since then he has been the target of the Taliban. In past days, some militants discovered where the two were hiding: the girl in the escape was reached by a bullet and was killed, while the man managed to escape.”

Somalia: Members of the militant Islamic group, al-Shabaab, publicly beheaded a mother of two girls and her cousin after discovering they were Christians.  According to local sources, the Islamists “called residents to the town center to witness the executions of the 41-year-old mother, Sadia Ali Omar, and her 35-year-old cousin, Osman Mohamoud Moge.”  Before slaughtering the two women, an al-Shabaab member announced, “We know these two people are Christians who recently came back from Kenya—we want to wipe out any underground Christian living inside of mujahidin [jihadi] area.”  The two daughters of one of the women, ages 8 and 15, “were witness to the slaughter, sources said, with the younger girl screaming and shouting for someone to save her mother. A friend helped the girls, whose names are withheld, to relocate to another area,” saying “We are afraid that the al-Shabaab might continue monitoring these two children and eventually kill them just like their mother.”

Attacks on Christian Churches

Egypt: After numerous death sentences were handed out to convicted Muslim Brotherhood members, their supporters protested and rioted in the streets.  According to Spero News, “Violence spilled over from demonstrations in the Cairo suburb of Ain Shams when Muslim protesters attacked a Coptic Orthodox Christian church on March 28. Four people were killed in the attack on the church, dedicated to the Virgin Mary and Archangel Michael. Among the dead are a 25-year-old journalist and a Coptic Christian worshipper. When Egyptian security forces intervened, violence spread throughout the surrounding neighborhood. Muslim radicals are frequently whipped up into frenzy by their religious leaders on Fridays when they gather for prayer.”

Kenya: During Sunday worship service, two heavily-armed gunmen entered the Joy in Jesus Church in Monbasa—a region which according to authorities has a mosque with ties to the Somali Islamic terrorist group al-Shabaab—and “sprayed the congregation with bullets, killing at least seven Christians and leaving several others in critical condition,” including the assistant pastor, reports Morning Star News:  “As the attackers fled Joy in Jesus Church, a box holding 26 bullets dropped outside the church,” indicating that they intended for even more carnage.  According to one church leader, “We as the church feel that what happened is a retaliation for the attack [by police] that took place in Masjid Musa Mosque recently.  When the Muslims are attacked, there is a false generalization that the Christians are the ones doing it. We as the church became a scapegoat for the recent attack on the mosque.”  (This logic is very similar to the barrage of church attacks the Coptic Christians of Egypt suffered in “retaliation” after the Muslim Brotherhood and former president Morsi were ousted during the June 30 revolution.)

Pakistan:  One day after Christians placed a cross on a partially constructed church that was being built on a fellow Christian’s land, a Muslim mob “damaged the building and the land by ploughing the ground with the help of a tractor” and “desecrated” the cross, reported The Express Tribune.  The chairman of the Human Liberation Commission Pakistan added that “the Christian community was not protected in Pakistan and that they face discrimination at every level.” Discussing this incident Agenzia Fides reports that “when a large group of Islamic extremists saw the Christian symbol [the cross] they arrived unexpectedly with bulldozers and started demolishing the building…. the perpetrators were not arrested, thanks to the political clout they have. Christians in the neighborhood who have asked for protection to civil authorities, on the other hand have received threats and have to abandon the idea of the project to build a church.”

Uganda: In the predominantly Muslim districts of the Christian-majority African nation, “Islamic extremists burned down two church buildings of the Free Church of Christ in February and the home of a church leader” in March, reported Morning Star News.  Bishop James Kinyewa, 47, recounted the atrocity: “While I was preaching, I heard loud noise, people saying, ‘Fire! Fire!’ coming from nearby neighbors.”  He found “rowdy Muslim youths with clubs and machetes” who prevented him and others from trying to put out the fire from his house. “They were shouting, ‘Allahu Akbar [Allah is greater],’” he said. “Now the same militant group is hunting for my life. My family and I are now hiding ourselves, homeless and waiting for God’s intervention.” Everything inside the two razed church buildings, which served a total of 240 people, was destroyed, leaving the bishop to lament, “My church members have no place to worship.”

Attacks on Christian Freedom: Apostasy, Blasphemy, Proselytism

Brunei: A new penal code in the Muslim majority nation threatens school principals and schoolteachers with five years’ imprisonment and up to $20,000 in fines if they teach or speak to a Muslim child of religions other than Islam. (Future punishments may include amputation and even execution.) According to the new law, which is based on Sharia, or Islamic law, it is a crime “to persuade, influence, incite, encourage a child with non- Islamic teaching.”  It is also a crime to “expose the child to any ceremony or act of worship which is not Islamic or allow the child to participate in activities for the benefit of other religions.”  The new law is of especial concern to private Christian schools, where Muslim students attend.

Iran: Vahid Hakkani, a Christian man who was imprisoned and sentenced to 44 months jail-time, after being found guilty of “attending a house-church, spreading  Christianity, having contact with foreign [Christian] ministries” and “disrupting national security,” began a hunger strike in prison to protest the rejection of his conditional release appeal by the Revolutionary Court, despite concerns over his health.  Far from rethinking his sentence, according to his family, “prison authorities will transfer him to solitary confinement because he refuses to stop his hunger strike.”

Separately, eight more Christians were detained, blindfolded, and interrogated by security forces over their “Christian activities,” said rights activists.  Some members of the group had their personal items, including cell phones, confiscated.

KazakhstanChristian preaching is “extremely harmful to mental health of the people”: such was the ruling of a law court which led to the sentencing of a Christian pastor, Bakhytzhan Kashkumayev, to four years in prison. According to Agenzia Fides, “the [67-year-old] Pastor, who is responsible for the Grace Church in the Kazak capital Astana was found guilty of ‘causing serious mental disorder’ to a presumed victim Lyazzat Almenova. The Pastor will also have to pay a heavy fine … for the ‘moral damage’ inflicted.” The pastor’s lawyer said that this is one of the “strangest cases he has ever come across, in terms of legality.”

Pakistan: Last March, 2013, after a Christian man was accused of maligning the prophet of Islam he was arrested by police. Nonetheless, thousands of Muslims attacked Christian colonies, burning churches and homes; protesting Christians were attacked by the police, while not one of the thousands of rampaging Muslims was convicted.  Now, one year later, the blasphemer, Sawan Masih, has beensentenced to death at a hearing held in the prison cell of the Christian, “out of fears that Masih might be attacked on his way to court.”  Separately, two other Christians, a paralyzed, sickly man and his wife, also accused of “blasphemy via sms”—that is, blaspheming via text messaging—remained in prison.  According to “World Vision in Progress,” the “judges of the High Court were initially convinced of what was said by the defense. But after pressure from Muslim religious leaders and the threats of extremists in Gojra, the judges denied bail, saying the case will be completed within two months. Radical Muslims had already threatened defense lawyers many times.” Concerning the aforementioned Christian man sentenced to death, Fr. James Channan OP, Director of the Peace Center in Lahore, Pakistan, said the following: “It was a dispute over a matter concerning property. But the Muslim took advantage, finding a shortcut and accused Sawan of blasphemy. The whole world knows what happened next. Over 100 Christian homes of Joseph Colony, a Christian neighborhood in Lahore, were destroyed, 2 churches burned, Bibles desecrated and Crosses destroyed by an angry mob of more than 3,000 fanatics. The Christians of Joseph Colony still live in danger and fear that the mob might attack again at any time….  After Sawan’s death sentence, I ask myself: where is justice? Why is nothing done against these innocent Christians who have been attacked and have lost their possessions? What about the churches which were desecrated, Bibles burned and crosses destroyed? Is this not blasphemy?”

Uganda:  when a 23-year-old Muslim woman converted to Christianity and a neighbor informed her father, “My father began beating me with clubs and blows, and I started screaming in great pain,” she said. “While I was down on the floor bleeding, my father went looking for a knife to kill me. A neighbor named Saleem arrived and helped me escape.”  She found lodging from a nearby church and was taken to a hospital the next day.

Dhimmitude

BangladeshThe home of a Catholic family was torched and destroyed during the night, and the culprits, according to residents, “could be Islamic fundamentalists.”  The family, two women and two children, managed to escape the blaze.  According to one of the women, “Three days before the fire we saw some people unknown to us behind our house. They asked around if we were Christians. We feel that this attack was premeditated by them. We have lost in [sic] everything, including our Bible and the crucifix. All we have left are the cloth[e]s on our backs.” A local priest adds: “This is an attack against the minority, and could be the hands of Islamic extremists. They are very powerful in the area.”

Iraq: A Christian politician and member of the Assyrian Democratic Movement “denounced some officials of the Nineveh province after collecting documented evidence on the corrupt system where many properties—land and houses—belonging to Christians change hands in an illegal and secret manner, without any mandate on behalf of their legitimate owners.”  He also called on Iraqi Christians who fled their homeland to check the status of the property they left in Iraq and reaffirm their full rights on them.

Pakistan: A March report by Agenzia Fides offers a glimpse of the endemic rape and sexual abuse of Christian girls at the hands of Muslims: “The rape of girls belonging to religious minorities is a very common phenomenon in Pakistan. Christian women are a prime target, because the most vulnerable and defenseless. The majority of cases are not even reported to the police and, when it happens, the perpetrators of violence often go unpunished. The Christian community is still shocked by the recent case of Sumbal, a 5-year-old Christian girl, raped by a group of Muslim men on a street in Lahore….  Another recent case … concerns a Muslim man from Lahore who attempted to rape two Christian girls, sisters, aged 1 and 3….  A few months ago another case aroused indignation: that of a 9-year-old Christian girl who suffered a gang rape by three young Muslims. Violence against children are committed with ease, explains a source of Fides that assists victims, especially because the perpetrators remain unpunished: injustice fuels the vicious cycle of violence.  In 2004, a case that caused uproar around the world was the brutal rape of a-two-year old child Neha Munir raped because her father, Munir Masih, a Christian, refused to convert to Islam.”

Syria: Al-Qaeda linked Islamic jihadis crossed into Syrian territory from the Turkish border and launched a jihad on the Christian/Armenian town of Kessab.   Among other things, “Snipers targeted the civilian population and launched mortar attacks on the town and the surrounding villages.”  Reportedly eighty people were killed.  The jihadis later made a video touring the devastated town.  No translation is needed, as the main phrase shouted throughout is Islam’s triumphant war cry, “Allahu Akbar” (which, according to Sen. John McCain, simply means “thank God”).  About two-thousand Armenians were evacuated to neighboring areas. While occupying Kessab, the jihadi terrorists desecrated the town’s three Armenian churches/

Turkey:  Five men held in prison as suspects in the 2007 “Malatya Massacre”—when three Christian missionaries were tortured to death—were released.  The five walked free from their high-security prison because their time in detention while on trial exceeded new legal limits.  “It is deeply disturbing to hear that the five men responsible for these brutal murders have been freed on bail, including three who were arrested at the crime scene,” said Christian Solidarity Worldwide’s chief executive Mervyn Thomas: “We urge the Turkish authorities to take every necessary measure to ensure they remain in the country to face justice, which has been exceedingly long in coming.  This trial has been ongoing for six years with no indication of a conclusion in the near future.  Our thoughts and prayers are with the families and friends of the victims, to whom the release of these men has dealt yet another blow, no doubt leaving them with a deepening sense of uncertainty as to whether they will ever see justice for their loved ones. For their sakes, the Turkish authorities must ensure that justice is served as a matter of urgency.”

About this Series

The persecution of Christians in the Islamic world has become endemic.  Accordingly, “Muslim Persecution of Christians” was developed to collate some—by no means all—of the instances of persecution that surface each month. It serves two purposes:

1)    To document that which the mainstream media does not: the habitual, if not chronic, persecution of Christians.

2)    To show that such persecution is not “random,” but systematic and interrelated—that it is rooted in a worldview inspired by Islamic Sharia.

Accordingly, whatever the anecdote of persecution, it typically fits under a specific theme, including hatred for churches and other Christian symbols; apostasy, blasphemy, and proselytism laws that criminalize and sometimes punish with death those who “offend” Islam; sexual abuse of Christian women; forced conversions to Islam;  theft and plunder in lieu of jizya (financial tribute expected from non-Muslims); overall expectations for Christians to behave like cowed dhimmis, or second-class, “tolerated” citizens; and simple violence and murder. Sometimes it is a combination thereof.

Because these accounts of persecution span different ethnicities, languages, and locales—from Morocco in the West, to Indonesia in the East—it should be clear that one thing alone binds them: Islam—whether the strict application of Islamic Sharia law, or the supremacist culture born of it.

 

 


TOPICS: News/Current EventsPolitics/ElectionsWar on Terror
KEYWORDS: christiangenocidechristianpersecutionmemuslimsobamareligiouscleansing

Don’t Be Stupid, Thinking That We Have Not Been Nuked!

Fukushima Press Conference: “To the people of the world… dangerous developments… we need your help” — I vomited blood, skin inside mouth peeled out… no limit to radiation damage… contamination is all over Japan — Speaker nearly cries when revealing babies in rain waiting for food after explosion, “Gov’t didn’t issue any warnings” (VIDEO)

 
http://enenews.com/fukushima-press-conference-people-of-the-world-be-aware-of-the-danger-we-need-your-help-i-vomited-blood-skin-inside-mouth-peeled-out-no-limit-to-the-radiation-damage-speaker-chokes-up
Published: July 13th, 2014 at 10:25 am ET 
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Introduction at the Foreign Correspondents’ Club of Japan, July 3, 2014 (at 2:00 in): They have a lot to say about the many health issues their families and communities are facing.

Kazue Morisono, of Koriyama (60 km from Fukushima Daiichi) at the Foreign Correspondents’ Club of Japan, July 3, 2014:

  • 14:45 in — I was so ignorant of nuclear power plants, I kept on living [in Koriyama, 60 km from Fukushima Daiichi]. After Apr. 15, I started coughing very hard — couldn’t stop coughing and producing lots of green phlegm — then finally vomited blood. […] My husband couldn’t stand to see my suffering, he was wondering what had happened. I had a terrible headache. My skin inside my mouth kept peeling out, I had to spit it out. I also had a nose bleed in May, an awful lot of blood, it didn’t stop for a long time. I had tingling on hands and feet, always sick and tired. I happened to have a friend, a 2nd generation of atomic bomb victims, so I talked about my suffering to her. I also asked my friend to get in contact with Dr. Hida, who has been an authority on treating atomic bomb victims for a long time in Japan. He immediately said it’s rapid symptoms of nuclear radiation. […] Most people don’t even think of this area 60 km away from the power plant, that we have to suffer so much from the radiation. I’m now thinking that there is no limit to the radiation damage […] Thank you for listening to my story.
  • 33:30 in — Radiation contamination is not only in Fukushima, because of the transport it’s been scattered all over Japan, and this issue is a national one I believe.
  • 41:15 in — After the explosion, the weather changed. When the rain dropped on me while waiting in line for water, I was standing not knowing what is happening to me. [Almost crying] Many people — not only adults, but children, babies — were standing in line waiting to get water supply and food […] it lasted 5 days. I have to admit I was very ignorant, the prefecture’s local government or the state government didn’t issue any warnings about the radiation contamination. We just behaved as we did before the explosion.
  • 1:04:00 in — The Ministry of Environment claims that this small burner will [dissipate???] all the radiation dosage. But the manufacturer of this burner says maximum it will be 60% […] So this is something I really want you people to know, that the government is burning the radioactive materials in Japan and spreading all radioactive materials into the air.

Saeko Uno of Fukushima City, at the Foreign Correspondents’ Club of Japan, July 3, 2014 (at 11:45 in): To the people of the world, we’d like you to be aware of the dangerous developments in Japan and pay attention to them. We need your helping hands to our activities toward [minimizing the] damage of nuclear power disaster. Thank you.

Watch the press conference on Fukushima here

 
Published: July 13th, 2014 at 10:25 am ET 
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Statement of Facts for CitiGroup Settlement – Dept. Of Justice Action

Click to access 558201471413645397758.pdf

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STATEMENT OF FACTS
In 2006 and 2007, Citigroup Inc., through certain of its affiliates (“Citigroup”), securitized thousands of residential mortgage loans and sold the resulting residential mortgagebacked securities (“RMBS”) for tens of billions of dollars to investors, including federally insured financial institutions. Prior to securitization, Citigroup conducted due diligence on loans (including credit, compliance, and valuation due diligence). In securitizing and issuing the RMBS, Citigroup provided representations in offering documents about the characteristics of the underlying loans. As described below, in the due diligence process, Citigroup received information indicating that, for certain loan pools, significant percentages of the loans reviewed did not conform to the representations provided to investors about the pools of loans to be securitized.  Citigroup’s RMBS securitization process and representations In 2006 and 2007, Citigroup securitized and sold RMBS, through both “thirdparty” and “principal” transactions.  For “third-party” transactions, Citigroup served as an underwriter. In certain of those transactions, Citigroup served as the lead underwriter. In that role, Citigroup, among  other things, structured the transaction and sold RMBS certificates to investors. Citigroup acted as an underwriter through its wholly-owned subsidiary Citigroup Global Markets Inc. For “principal” transactions, Citigroup purchased groups or “pools” of loans from third parties prior to securitization and, in certain instances, originated the loans itself through another of its subsidiaries. Citigroup also acted as underwriter for certain of the principal transactions. Citigroup bought pools of mortgage loans from numerous lending  institutions, or “originators.” These lending institutions included Ameriquest Mortgage Company, Argent Mortgage Company LLC, Accredited Home Lenders, Inc., Countrywide Home Loans, Inc., New Century Mortgage Corporation, Wells Fargo Bank, N.A., and others. 
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In these transactions, Citigroup securitized the loans under its own shelf registration, such as its shelf  known as “Citigroup Mortgage Loan Trust Inc.” or “CMLTI.” In various RMBS offerings, Citigroup provided representations, or otherwise disclosed information, in certain offering documents, about the loans it securitized, telling investors that:
 Loans in the securitized pools were originated generally in accordance with the loan originator’s underwriting guidelines.
 Exceptions to those underwriting guidelines had been made when the originator identified  “compensating factors” at the time of origination.
 The securitization sponsor or originator (which, in certain instances, was Citigroup) represented that each loan had been originated in compliance with federal,  state, and local laws and regulations.
 The loans being securitized had various characteristics, such as loan-to-value ratios at origination within various ranges.

In the base prospectus for certain RMBS offerings, Citigroup further represented that it would not include any loan “if anything has come to [Citigroup’s] attention that would cause it to believe that the representations and warranties made in respect of such mortgage loan will not be accurate and complete in all material respects as of the date of initial issuance of the related series of securities.”  Citigroup’s due diligence process Citigroup reviewed due diligence results on loans prior to securitization.
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In principal transactions, before purchasing a pool of loans from a third-party originator, Citigroup conducted due diligence on those loans.  Citigroup typically conducted this due diligence by reviewing certain loans in the loan pool, rather than the entire pool. This sample was generally composed of certain loans from the pool with characteristics that Citigroup viewed as warranting review. Citigroup  would contract with a due diligence vendor to review the sampled loans. The vendor would “re-underwrite” the individual loan files in the sample.  Part of this review focused on “credit,” including whether the loan met the originator’s underwriting guidelines, or whether the originator had found the loan to possess sufficient “compensating factors” to warrant a deviation from the guidelines. Another part of this review was focused on “compliance,” to determine whether the loan had been originated in compliance with federal, state, and local laws and regulations. For each sampled loan reviewed for “credit” and “compliance,” the due diligence vendor assigned a grade. In general, the vendor graded a loan “EV1” when the loan was underwritten according to the applicable guidelines and originated in compliance with applicable laws. The vendor generally graded a loan as “EV2” when the loan did not comply with applicable underwriting guidelines, but nonetheless had sufficient compensating factors that the originator had found to justify the extension of credit. The vendor graded a loan “EV3” when the loan was not originated in compliance with applicable laws and regulations, the loan did not comply with applicable underwriting guidelines and lacked the sufficient offsetting compensating factors, or the loan file was missing a key piece of documentation.  Citigroup obtained the results of the credit and compliance reviews from the due diligence vendors and was provided information about the number or percentage of loans in the sample that the vendor had graded EV3. Citigroup also was provided with the reasons that the vendor had assigned the EV3 grades, including the nature of the defects, such as 

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whether the borrower had unreasonable stated income, when the borrower’s credit score was below guidelines, when the ratios of loan-to-property value and debt-to-income exceeded the underwriting guidelines, and when the loan file reviewed was missing  documents or had inadequate documentation. Citigroup referred to EV3 loans as “kicks,” “kickouts,” or “rejects.” Citigroup also used a due diligence process to assess the reported values of the properties that served as collateral for the mortgage loans. This “valuation” review was intended to determine whether information about the property’s value sufficiently supported the reported value for the property. The valuation review was conducted by a vendor, using methods such as automated valuation models, broker price opinions, and appraisal reviews.  The vendor used one or more of these methods to calculate a valuation determination for the property being reviewed. Citigroup used thresholds or “tolerances” for the valuation firm to assess whether the information about the property’s value sufficiently supported the reported value as determined by an appraiser. Citigroup instructed the vendor to recommend the loan for rejection if the vendor’s valuation determination differed from the appraised value by more than 15 percent with respect to certain types of loans. In other words, Citigroup had an internal “tolerance” of up to 15 percent. This meant that Citigroup routinely accepted, for purposes of  the valuation review, specific types of loans for purchase and securitization when the valuation firm’s determination deviated by less than 15 percent from the reported appraised value. Citigroup’s thresholds further provided that if a valuation firm determined that the combined loan-to-value ratio for a loan exceeded 100 percent, the loan would be recommended  for rejection.  In third-party transactions, depending on the role played by Citigroup, Citigroup would work with due diligence vendors to perform diligence on samples of loans selected with
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the participation of the issuer or otherwise review reports from due diligence vendors retained by the issuer or other underwriters to the transaction.  Due diligence on Citigroup RMBS in 2006 and 2007 In 2006 and 2007, Citigroup’s due diligence vendors provided Citigroup with reports reflecting that the vendors had graded certain of the sampled loans as EV3. For numerous pools, the reports showed that the vendors had graded significant percentages of the sampled loans as EV3.1  In addition, Citigroup’s internal due diligence personnel reevaluated loan grades and subsequently directed the due diligence vendor to assign grades of EV1 or EV2 to loans as  to which Citigroup’s due diligence vendors had previously assigned grades of EV3. Certain of Citigroup’s main due diligence vendors would track when loans that they had graded as EV3 were “waived” in by Citigroup. Citigroup’s contemporaneous records did not in all cases document Citigroup’s reasons for directing the due diligence vendors to re-grade loans.  Further, in certain instances, Citigroup learned from the vendors conducting valuation due diligence that loans in particular loan pools exceeded Citigroup’s valuation tolerances. The vendors also reported that a number of the properties securing the loans had reported or appraised values that were higher than the vendors’ valuation determination. In certain instances, Citigroup securitized loans that its vendors had reported exceeded Citigroup’s valuation tolerances or where the vendor’s valuation determination exceeded the reported or appraised value.

1 There were loans in each of the RMBS reviewed by the Justice Department that did not comply with underwriting guidelines, including the securitizations set forth on Appendix 1, which the Justice Department determined to contain significant percentages of  defective loans.
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Examples In the following deals, Citigroup securitized loans, making representations of the type described earlier that the loans generally complied with underwriting guidelines or  had sufficient compensating factors, had been originated in compliance with law, and possessed certain characteristics.
1. In three CMLTI RMBS issued and underwritten by Citigroup in 2006, Citigroup’s due diligence vendors reported to Citigroup their findings that loans in the samples had not been originated in compliance with underwriting guidelines and with applicable federal law and regulations. Certain of these loans were missing documentation, such as HUD-1 documents that Citigroup had told the vendor were necessary. A due diligence report sent to Citigroup, after the re- underwriting was complete, showed that more than 12 percent of loans in the sample had been graded EV3. A due diligence report for another large pool, which contributed over 2,000 loans to another RMBS, showed that more than 29 percent of the sampled loans had been graded EV3. Citigroup securitized the loans from these pools that had not been rejected at the end of the due diligence process in the three RMBS. 

2. In an RMBS where Citigroup served as the lead underwriter in 2006, the due diligence report provided to Citigroup by its vendor showed that more than 25 percent of the loans in the sample reviewed for credit and compliance had been graded by the vendor as EV3 or were found to have missing file documents. Many of the loans did not comply with underwriting guidelines or represented exceptions to those guidelines: more than 67 percent were graded as EV2 by the vendor. The vendor graded only approximately 6 percent of the loans in the sample as EV1. Notwithstanding these results, Citigroup securitized loans from this pool in the RMBS. 

3. In a CMLTI RMBS issued and underwritten by Citigroup in 2007, the due diligence vendor initially reviewed a sample of loans selected based on certain criteria (the
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“adverse sample”). Early in the diligence process, the vendor notified Citigroup employees that it had graded over 44 percent of the adverse sample as EV3s. The vendor identified trends associated with its review of those loans and stated that, if the trends continued, it expected the pool to have an “unusually large” number and percentage of rejects.  Later in the due diligence process, the vendor asked Citigroup whether it would  be “prudent” to perform additional diligence based on a random sample, to determine whether the large number of “kick outs” were the result of the adverse selection method or reflective of the loans across the entire pool. Thereafter, the due diligence vendor advised Citigroup that it had graded over 32 percent of the random sample as EV3.  In addition, during the due diligence on the same loan pool, Citigroup’s due diligence personnel reevaluated certain of the vendor’s loan grades and directed the due diligence vendor to change some of those grades from an EV3 to an EV2 or EV1. The final report from the vendor graded approximately 20 percent of the sample as EV3.  Apart from the random sample, Citigroup did not conduct further due diligence to determine whether the remaining loans in the pool contained defects. Instead, Citigroup securitized loans from this pool in the RMBS.

4. In two CMLTI RMBS issued and underwritten by Citigroup in 2007, Citigroup’s due diligence vendor identified a number of loans that were outside of Citigroup’s valuation rules and tolerances. These included loans where the difference between the reported original appraisal and the vendor’s valuation determination exceeded 15 percent, or otherwise exceeded Citigroup’s thresholds. Citigroup also instructed the due diligence vendor to change the grades of loans that its vendor had recommended for rejection, following Citigroup’s review of those loans and loan grades. Citigroup then securitized hundreds of the loans that its vendor had identified as outside of Citigroup’s tolerances.
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In addition, early in the due diligence process, a trader at Citigroup wrote an internal email that indicated that he had reviewed a due diligence report summarizing loans that the due diligence vendor had graded as EV3s and had noted that “a lot” of these rejected loans had unreasonable income and values below the original appraisal, which resulted in combined loan- to-value in excess of 100 percent. The trader stated that he “went thru the Diligence Reports and think that we should start praying… I would not be surprised if half of these loans went down. There are a lot of loans that have unreasonable incomes, values below the original appraisals (CLTV would be >100), etc. It’s amazing that some of these loans were closed at all.”   Despite this trader’s observations, Citigroup securitized loans from this pool in the two RMBS.

5. In four CMLTI RMBS issued and underwritten by Citigroup in 2007, Citigroup securitized loans from two loan sellers.  Citigroup employees had been informed that in prior RMBS securitizations where the underlying loans were from the same companies, a significant number of loans had already gone into early default.  In addition, prior to the securitization of those four RMBS, Citigroup received additional information about the quality of mortgage underwriting at those companies. Prior to the issuance of the four RMBS in 2007, Citigroup had begun the process to acquire assets from one of the companies. As part of that acquisition, Citigroup conducted due diligence on the companies. As part of that due diligence, Citigroup received some of the company’s internal audit reports, and distributed them to, among others,  a Managing Director who was involved with Citigroup’s RMBS securitizations. The internal audit reports showed that the seller had itself found, in the prior year, that it lacked key internal controls over its quality assurance for loan production, and that substantial percentages of the loans failed to adhere to underwriting guidelines, which the seller itself labelled as “high risk.”
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Citigroup also conducted its own reviews of a sample of loans provided by the seller. In that process, Citigroup identified issues with the seller’s internal quality controls. During this time, Citigroup’s due diligence vendors graded a number of sampled loans, both from loan pools to be securitized and from loans funded through “warehouse” lines of credit, as EV3, including loans that the vendors found did not comply with applicable laws and regulations due to missing documentation. In certain instances, Citigroup’s due diligence personnel reevaluated certain of the vendors’ loan grades and instructed its due diligence vendor to change some of those grades from an EV3 to an EV2 or EV1.  Notwithstanding the information Citigroup had received about the companies’ loans, Citigroup purchased the loan pools and securitized loans from those pools in the four RMBS.

CitiGroup Penalty “Largest of It’s Kind”! FINALLY Someone is Paying For Misleading Investors About Toxic Mortgages

Department of Justice

http://www.justice.gov/opa/pr/2014/July/14-ag-733.html

Office of Public Affairs

FOR IMMEDIATE RELEASE

Monday, July 14, 2014

Justice Department, Federal and State Partners Secure Record $7 Billion Global Settlement with Citigroup for Misleading Investors About Securities Containing Toxic Mortgages

Citigroup to Pay the Largest Penalty of Its Kind – $4 Billion

The Justice Department, along with federal and state partners, today announced a $7 billion settlement with Citigroup Inc. to resolve federal and state civil claims related to Citigroup’s conduct in the packaging, securitization, marketing, sale and issuance of residential mortgage-backed securities (RMBS) prior to Jan. 1, 2009.  The resolution includes a $4 billion civil penalty – the largest penalty to date under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA).  As part of the settlement, Citigroup acknowledged it made serious misrepresentations to the public – including the investing public – about the mortgage loans it securitized in RMBS.  The resolution also requires Citigroup to provide relief to underwater homeowners, distressed borrowers and affected communities through a variety of means including financing affordable rental housing developments for low-income families in high-cost areas.  The settlement does not absolve Citigroup or its employees from facing any possible criminal charges.

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force’s RMBS Working Group, which has recovered $20 billion to date for American consumers and investors.  

“This historic penalty is appropriate given the strength of the evidence of the wrongdoing committed by Citi,” said Attorney General Eric Holder.  “The bank’s activities contributed mightily to the financial crisis that devastated our economy in 2008.  Taken together, we believe the size and scope of this resolution goes beyond what could be considered the mere cost of doing business.  Citi is not the first financial institution to be held accountable by this Justice Department, and it will certainly not be the last.”

 The settlement includes an agreed upon statement of facts that describes how Citigroup made representations to RMBS investors about the quality of the mortgage loans it securitized and sold to investors.  Contrary to those representations, Citigroup securitized and sold RMBS with underlying mortgage loans that it knew had material defects.  As the statement of facts explains, on a number of occasions, Citigroup employees learned that significant percentages of the mortgage loans reviewed in due diligence had material defects.  In one instance, a Citigroup trader stated in an internal email that he “went through the Diligence Reports and think[s] [they] should start praying . . . [he] would not be surprised if half of these loans went down. . . It’s amazing that some of these loans were closed at all.”  Citigroup nevertheless securitized the loan pools containing defective loans and sold the resulting RMBS to investors for billions of dollars.  This conduct, along with similar conduct by other banks that bundled defective and toxic loans into securities and misled investors who purchased those securities, contributed to the financial crisis.                                  

“Today, we hold Citi accountable for its contributing role in creating the financial crisis, not only by demanding the largest civil penalty in history, but also by requiring innovative consumer relief that will help rectify the harm caused by Citi’s conduct,” said Associate Attorney General Tony West.  “In addition to the principal reductions and loan modifications we’ve built into previous resolutions, this consumer relief menu includes new measures such as $200 million in typically hard-to-obtain financing that will facilitate the construction of affordable rental housing, bringing relief to families pushed into the rental market in the wake of the financial crisis.”

Of the $7 billion resolution, $4.5 billion will be paid to settle federal and state civil claims by various entities related to RMBS: Citigroup will pay $4 billion as a civil penalty to settle the Justice Department claims under FIRREA, $208.25 million to settle federal and state securities claims by the Federal Deposit Insurance Corporation (FDIC), $102.7 million to settle claims by the state of California, $92 million to settle claims by the state of New York, $44 million to settle claims by the state of Illinois, $45.7  million to settle claims by the Commonwealth of Massachusetts, and $7.35 to settle claims by the state of Delaware.

Citigroup will pay out the remaining $2.5 billion in the form of relief to aid consumers harmed by the unlawful conduct of Citigroup.  That relief will take various forms, including loan modification for underwater homeowners, refinancing for distressed borrowers, down payment and closing cost assistance to homebuyers, donations to organizations assisting communities in redevelopment and affordable rental housing for low-income families in high-cost areas.  An independent monitor will be appointed to determine whether Citigroup is satisfying its obligations.  If Citigroup fails to live up to its agreement by the end of 2018,  it must pay liquidated damages in the amount of the shortfall to NeighborWorks America, a non-profit organization and leader in providing affordable housing and facilitating community development.  

The U.S. Attorney’s Offices for the Eastern District of New York and the District of Colorado conducted investigations into Citigroup’s practices related to the sale and issuance of RMBS between 2006 and 2007.

“The strength of our financial markets depends on the truth of the representations that banks provide to investors and the public every day,” said U.S. Attorney John Walsh for the District of Colorado, Co-Chair of the RMBS Working Group.  “Today’s $7 billion settlement is a major step toward restoring public confidence in those markets.  Due to the tireless work by the Department of Justice, Citigroup is being forced to take responsibility for its home mortgage securitization misconduct in the years leading up to the financial crisis.  As important a step as this settlement is, however, the work of the RMBS working group is far from done, we will continue to pursue our investigations and cases vigorously because many other banks have not yet taken responsibility for their misconduct in packaging and selling RMBS securities.”

“After nearly 50 subpoenas to Citigroup, Trustees, Servicers, Due Diligence providers and their employees, and after collecting nearly 25 million documents relating to every residential mortgage backed security issued or underwritten by Citigroup in 2006 and 2007, our teams found that the misconduct in Citigroup’s deals devastated the nation and the world’s economies, touching everyone,” said U.S. Attorney of the Eastern District of New York Loretta Lynch.  “The investors in Citigroup RMBS included federally-insured financial institutions, as well as a host of states, cities, public and union pension and benefit funds, universities, religious charities, and hospitals, among others.  These are our neighbors in Colorado, New York and around the country, hard-working people who saved and put away for retirement, only to see their savings decimated.”

This settlement resolves civil claims against Citigroup arising out of certain securities packaged, securitized, structured, marketed, and sold by Citigroup.  The agreement does not release individuals from civil charges, nor does it release Citigroup or any individuals from potential criminal prosecution. In addition, as part of the settlement, Citigroup has pledged to fully cooperate in investigations related to the conduct covered by the agreement.

 Michael Stephens, Acting Inspector General for the Federal Housing Finance Agency said, “Citigroup securitized billions of dollars of defective mortgages, after which investors suffered enormous losses by purchasing RMBS from Citi not knowing about those defects. Today’s settlement is another significant step by FHFA-OIG and its law enforcement partners to hold accountable those who committed acts of fraud and deceit in the lead up to the financial crisis, and is a necessary step toward reviving a sound RMBS market that is crucial to the housing industry and the American economy.  We are proud to have worked with the Department of Justice, the U.S. Attorneys’ Offices in the Eastern District of New York and the District of Colorado. They have been great partners and we look forward to our continued work together.”

The underlying investigation was led by Assistant U.S. Attorneys Richard K. Hayes, Kevin Traskos, Lila Bateman, John Vagelatos, J. Chris Larson and Edward K. Newman, with the support of agents from the Office of the Inspector General for the Federal Housing Finance Agency, in conjunction with the President’s Financial Fraud Enforcement Task Force’s RMBS Working Group.

The RMBS Working Group is a federal and state law enforcement effort focused on investigating fraud and abuse in the RMBS market that helped lead to the 2008 financial crisis.  The RMBS Working Group brings together more than 200 attorneys, investigators, analysts and staff from dozens of state and federal agencies including the Department of Justice, 10 U.S. Attorneys’ Offices, the FBI, the Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, the Office of the Special Inspector General for the Troubled Asset Relief Program, the Federal Reserve Board’s Office of Inspector General, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network, and more than 10 state Attorneys General offices around the country.

The RMBS Working Group is led by its Director Geoffrey Graber and its five co-chairs: Assistant Attorney General for the Civil Division Stuart Delery, Assistant Attorney General for the Criminal Division Leslie Caldwell, Director of the SEC’s Division of Enforcement Andrew Ceresney, U.S. Attorney for the District of Colorado John Walsh and New York Attorney General Eric Schneiderman.

Learn more about the RMBS Working Group and the Financial Fraud Enforcement Task Force at: http://www.stopfraud.gov .

It Never Ceases to Amaze Me, The Stupidity of the Public

I swear!  It never ceases to amaze me, the stupidity of the public.  Everyone sitting around with their fingers in their asses while we are continually nuked!  What the f–k is wrong with people?  Is it Ok that you children’s children will be unrecognizable as humans?  What are you people thinking?

No one gives a shit!  What is going on?  Years ago, when 3-Mile Island was going on, people became afraid of nuclear reactors, and rightfully so.  Now, the horrible scary news about Fukushima, WIPP, and Hanford are just like totally ignored by you people!  Hell, I didn’t have kids, and I am more frantic about the situation than the people with kids, and grandkids.  What the fuck are you people paying attention to?  Nothing?

Yes, I am mad!  Mad as hell!  All the people that protested in the 60’s early 70’s what the hell are yall thinking?  Shit!  You would protest anything and everything, and now, it is suddenly ok to nuke everyone?  What the hell did you grow up to be?  A Senator or Congressman, protected from the radiation on earth?

I tell you what people…  If you don’t get out of your zombie states, and you own little world taking whatever kind of I don’t give a shit pills yall are taking, there won’t be nothing but radiation sickness, damaged genes, and the mutation of all mankind.

I don’t know what to tell yall!  I thought everyone snoozing through Foreclosure Hell was bad enough, but now they are literally killing us with an unseen toxin.  Do you really think you are immune?

Well, you’re not! 

Once Upon a Time…. I Thought the Worst We Had To Face Was Foreclosure Hell, I WAS WRONG!

Ya know, I used to think that Foreclosure Hell was the worst thing we in this Country had to face.  Wow, Was I Wrong!

I didn’t realize that just like in Japan, they will cook us to death with radiation, and not even bother to tell us.  I have condemned the Japanese for nuking the world and not telling us the truth about it, but fuck me, this country is doing the same thing.

While most people go about their daily business, they never think about the fact, that a pleasure of getting rained on is killing them.  We are the walking dead, and being asleep to the fact is just fucking us up more.

I would apologize for my slang, no, crude language, but something needs to wake these sleeping zombies up!

So, they are not only going to take every house they can get their grimy paws on, but they are going to continue the slow kill of humankind from the planet.  

It is not the kids growing up now that will suffer so much, it is like the butterfly test in Fukushima.  It is the children’s children that will be riddled with deformities. 

No matter what they try to tell us, we cannot be stupid, and believe that radiation is ok.  The thought of believing that, well, it is, stupid.  The sheeple that make up this country now, is amazing.  If the government says the radiation is not hurting us, we’ll just believe them.  Because the government says so?  Yall need to get out from under the rock, and out of the sun, cause damn!  You been drinking too much water with fluoride in it, for too long, and it has made you dumb!  I take that back, it has made you dumber than dirt!

For years, they have been doing things with the weather, with our food, with our prescriptions, our health!  They have taken healthy human beings and turned them into out of shape, fat slugs that have lives that are meant for cattle.  Chemtrails is no lie either.  What about HARP?  I guess that you also believe that 911 was not an inside job.

No, I am not a conspiracy theorist, I believe in taking what is put before me, studying it, seeing it for what it is, listening to scientists, listening to experts, and deducing my own opinion.  You see, we woke up.  We quit drinking the tap water.  We quit watching the regular news.  The news media is brainwashing you sheeple, which is not hard for them to do.

Terrorists are here, they are going to get you, so we have to militarize the Police forces.  These false flag shootings, are to outrage you sheeple, so that you will agree that guns are bad, and they can confiscate our guns.  We are told that our rights have to be taken, so that we can be protected from the terrorists, etc.,

If you are so blind you cannot see your nose on your face, you will not notice that Fannie Mae, and the banks are throwing our elderly out on the street.  Right now, in Goodyear, Arizona, and 83 year old woman and her 86 year old husband are being thrown out of their home.  No one cares.  In Colorado Springs, CO, an 82 year old woman is being thrown out of her home.  No one cares.

What the hell is wrong with you sheeple?  It’s not you, so it is Ok?  The Bank With the Most Homes in the End Wins, Get Used to It!!!

Sheeple Awaken! 

Judge rules secret FBI national security letters unconstitutional

CA Federal Judge Illston Sends FBI a Message

Judge rules secret FBI national security letters unconstitutional

fbiwarantless12z.jpg

Feb. 10, 2009: The main headquarters of the FBI, the J. Edgar Hoover Building, in Washington, DC.AP

A federal judge has struck down a set of laws allowing the FBI to issue so-called national security letters to banks, phone companies and other businesses demanding customer information.

U.S. District Judge Susan Illston said the laws violate the First Amendment and the separation of powers principles and ordered the government to stop issuing the secretive letters or enforcing their gag orders, The Wall Street Journal reported.

The FBI almost always bars recipients of the letters from disclosing to anyone — including customers — that they have even received the demands, Illston said in the ruling released Friday.

The government has failed to show that the letters and the blanket non-disclosure policy “serve the compelling need of national security,” and the gag order creates “too large a danger that speech is being unnecessarily restricted,” the San Francisco-based Illston wrote.

A Department of Justice spokesman told the Journal the department was “reviewing the order.”

FBI counter-terrorism agents began issuing the letters, which don’t require a judge’s approval, after Congress passed the USA Patriot Act in the wake of the Sept. 11, 2001, attacks.

The case arises from a lawsuit that lawyers with the Electronic Frontier Foundation filed in 2011 on behalf of an unnamed telecommunications company that received an FBI demand for customer information.

“We are very pleased that the court recognized the fatal constitutional shortcomings of the NSL statute,” EFF lawyer Matt Zimmerman said. “The government’s gags have truncated the public debate on these controversial surveillance tools. Our client looks forward to the day when it can publicly discuss its experience.”

Illston wrote that she was also troubled by the limited powers judges have to lift the gag orders.

Judges can eliminate the gag order only if they have “no reason to believe that disclosure may endanger the national security of the United States, interfere with a criminal counter-terrorism, or counterintelligence investigation, interfere with diplomatic relations, or endanger the life or physical safety of any person.”

That provision also violated the Constitution because it blocks meaningful judicial review.

Illston ordered the FBI to cease issuing the letters, but put her order on hold for 90 days so the U.S. Department of Justice can appeal to the 9th U.S. Circuit Court of Appeals.

Illston isn’t the first federal judge to find the letters troubling. The 2nd U.S. Circuit Court of Appeals in New York also found the gag order unconstitutional, but allowed the FBI to continue issuing them if it made changes to its system such as notifying recipients they can ask federal judges to review the letters.

Illston ruled Friday that it’s up to Congress, and not the courts, to tinker with the letters.

In 2007, the Justice Department’s inspector general found widespread violations in the FBI’s use of the letters, including demands without proper authorization and information obtained in non-emergency circumstances. The FBI has tightened oversight of the system.

The FBI made 16,511 national security letter requests for information regarding 7,201 people in 2011, the latest data available. The FBI uses the letters to collect unlimited kinds of sensitive, private information like financial and phone records.

The Associated Press contributed to this report.

Gundersen: New development at Fukushima, “Essentially entire plant has a gamma ray haze over it… a haze of radioactive particles” — Tepco: It’s impossible to stop, using more shielding won’t help (AUDIO)

Published: January 16th, 2014 at 7:39 pm ET
By 
http://enenews.com/gundersen-new-development-at-fukushima-entire-plant-has-a-gamma-ray-haze-over-it-a-haze-of-radioactive-particles-tepco-its-impossible-to-stop-using-mroe-shielding-wont-help-audio
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Interview with nuclear expert Arnie Gundersen of Fairewinds Energy Education, Power Hour, Jan. 16, 2014: “The most fascinating new thing is there’s a gamma ray haze over the plant. Gamma rays are like x-rays. Essentially, the entire plant has a gamma ray haze over it to the tune of about 1,000 millirem a year […] There’s essentially a haze of radioactive particles.”

Tepco Press Conference with summary translation by Fukushima Diary, Jan. 10, 2014: There is no way to shield Bremsstrahlung from contaminated water tanks, Tepco stated […] shielded by water and the tank material, it turns into Bremsstrahlung. […] it is technically impossible to shield each tank. Even if they put the shielding material inside of the tanks, it also causes Bremsstrahlung. […]

From last week: Radiation jumps at Fukushima plant — Now almost 1,000% previous levels — Officials knew of increase but ‘too busy’ to do anything

More about Bremsstrahlung: Gundersen: Fukushima tanks releasing x-rays in very high quantities offsite — Exposure to people outside plant is very, very high from ‘Bremsstrahlung’ phenomenon — Hundreds of tanks could easily start leaking after quake (VIDEO)

Now For Our Own Homemade Nuclear Nightmare

Expert: No one in world has ever dealt with something like WIPP disaster — Continuous release of radioactive material ’24/7′ to environment — Nobody knows when leaking will end — It’s a ‘major failure’ for so many people to be exposed — Gov’t yet to say if dump will open again (AUDIO)

 
Published: April 6th, 2014 at 3:13 am ET 
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AP, Apr 4, 2014: Workers are prepared to encounter contamination [&] will try to figure out what caused [WIPP’s] mysterious leak [of radiation that] contaminated 21 workers […] [No one’s been] underground […] to find the source of the leak and determine if [the fire & radiation] are related.

Nuclear Hotseat #145, with host Libbe HaLevy, M.A., Apr. 1, 2014:

  • 5:15 in — Don Hancock, director of the Nuclear Waste Safety program and administrator at Southwest Research and Information Center: Data from what’s being captured […] and what comes out of the filters, is that there have been continuing releases 24/7 […] There still is contamination coming out of the underground […] Numbers move around, but there’s always some amount of radioactivity in the underground air and lesser amounts being vented to the environment. Why it happened, why it was released, how much was really released, how much contamination there is in the underground, how long the releases continue, whether there could be further releases given that we don’t know what the situation is […] All of those of things are unknowns.
  • 7:30 in — Hancock: It’s not credible to think that 21 workers breathed in contamination and the only place that there is contamination is on the workers. There clearly has to have been soil contamination. DOE’s own modeling is that there’s extensive soil contamination around the site. So there is a lot more soil sampling that needs to be done. […] This is one of the many things that we don’t know -– How much came out, and where it is now?
  • 8:30 in – Hancock: 40+ workers [still] waiting for results […] certainly is possible there will be more than 21 […] This is totally unacceptable […] There’s no reason that other workers should have come in and been contaminated, so it’s a major failure […] There was never supposed to be this radiation release at all for 10,000 years.
  • 11:45 in — Hancock: The DOE itself hasn’t said when, or if, WIPP will reopen. The fact is that we don’t know […] what caused the release, how to stop it, if underground can be decontaminated, how to decontaminate surface, how to deal with worker health problems — None of those are known […] There is no instance in the world where you have an underground salt mine significantly contaminated with radiation […] there is no experience in dealing with this situation. So we’re starting from square one. It will be difficult, if not impossible, and also very costly to cleanup the underground. Based on my 38 years in working with the Department of Energy, I find it virtually inconceivable — I hope they will decide if they can’t do total cleanup of the underground, I hope they will decide not to reopen it. […] We need independent analysis, independent medical people, and independent technical folks to look at what happened and why it happened and what kind of decontamination could be done, if any.

Full interview available for download here

The Future for America and Obamacare!

Man cuts off own hand with a homemade guillotine

 

 photo
Stock image via Getty Images

A man from Devon, England, was so desperate to end his suffering after spending many painful years with an injured hand that he did the unthinkable—he built a guillotine and cut off his own hand.

According to the Daily Record, Mark Goddard, 44, amputated his arm because he suffered excruciating pain since injuring the arm during a motorbike accident in 1998. Goddard claims to take 40 painkillers a day and says he had to quit his garage job. While Goddard would have preferred for the surgery to have been done professionally in a hospital, Goddard claims that doctors were hesitant to honor his amputation request because his injured hand, despite the nerve damage, was still functional.

It took two weeks for Goddard to build the guillotine. Before amputating, he tied two tourniquets to his arm and had a first aid kit nearby. After severing the hand, he tossed the body part into a fire he had started in an outdoor garden bin. Goddard’s wife came home soon after and, upon discovering the grisly scene, immediately called emergency services.

Local authorities claim Goddard appeared rational when they arrived on the scene. Officers attempted to salvage Goddard’s hand but it was too badly damaged. Goddard hopes his desperate act will convince doctors to implant a spinal stimulator in his back to ease his pain.

http://m.ajc.com/news/news/crime-law/woman-shot-newton-county-deputies/nfPZw/

Crime & Law

Updated: 7:01 p.m. Monday, March 31, 2014 | Posted: 5:00 p.m. Monday, March 31, 2014

Woman fatally shot by Newton County deputies

 

By Angel K. Brooks

An armed woman was shot to death by Newton County deputies on Monday afternoon, authorities said.

A woman threatening suicide called authorities, who responded to a home on Russell Braden Road around 3:30 p.m., the Newton County Sheriff’s Office said.

When deputies arrived, the woman came out of the home with a rifle and refused to drop it despite repeated commands to do so, according to the sheriff’s office.

Deputies fired shots and the woman was hit an unknown number of times. She was transported to a hospital, where she was pronounced dead, Deputy Felicia Jefferson told The Atlanta Journal-Constitution.

The incident is under investigation by the GBI and internal affairs, Jefferson said.

Cops Killing For No Reason!

http://reason.com/blog/2014/02/18/oklahoma-man-beat-to-death-by-cops-for-r

 

Oklahoma Man Beat to Death By Cops for Running After His Wife; Cops Confiscate Video of Incident

The sad basics of a Valentine’s day tragedy from KFOR-TV’s website:

Nair Rodriguez explained how her family went to the Warren Theater for Valentine’s Day, but she and her daughter started fighting in the parking lot.

Kfor.comKfor.com

Nair admits she slapped her daughter. Her husband, Luis, stepped in.

She said “My husband was trying to calm (us) down, because that’s what he was . . . a grizzly bear . . . but with a teddy bear heart.”

The Moore Police Department said two security guards, an off-duty officer, and two on-duty officers responded to the domestic dispute.

Authorities said Luis was being uncooperative, and there was a struggle.

The family claims the officers started beating him while he was on the ground and they recorded the entire thing on their cell phones.

At one point, Luis stopped breathing and police immediately called for medical help. Sadly, he died a short time later.

Nair said her family doesn’t have the video anymore because police seized their cell phones.

Moore police say they’re in the process of getting a warrant for the cell phone video. They say they had to take the phones to protect the video from tampering and they won’t look at it until they get the warrant.

Certainly, one couldn’t imagine that the police side of the incident would have any incentive to “tamper” with the video. More from NewsOK.com:

Three Moore police officers are on administrative leave while the death of a man at the Warren Theater is being investigated…..

Luinahi Rodriguez [his daughter] said Luis did not resist police force and was hit repeatedly by police officers.

“They jumped on him like he was some kind of killer or drug dealer and beat him up,” Luinahi Rodriguez said. “He never fought the officers, they beat him on the head and that’s how he lost his breath.”

5.83 Billion Against Bank Of America, N.A.

FHFA Settles With BofA for $5.83 Billion Over Countrywide Legacy Loans

http://nationalmortgageprofessional.com/news47937/FHFA-Settles-With-BofA-%245.83-Billion-Over-Countrywide-Legacy-Loans?utm_source=MadMimi&utm_medium=email&utm_content=NMP+Daily%3A+FHFA+Settles+With+BofA+for+%245_83+Billion+Over+Countrywide+Legacy+Loans+and+More+___&utm_campaign=20140327_m119753830_NMP+Daily%3A+FHFA+Settles+With+BofA+for+%245_83+Billion+Over+Countrywide+Legacy+Loans+and+More+___&utm_term=FHFA+Settles+With+BofA+for+_245_83+Billion+Over+Countrywide+Legacy+Loans

FHFA_Logo_04_13_12

The Federal Housing Finance Agency (FHFA) has announced it has reached a settlement in cases involving Bank of America, Countrywide Financial, Merrill Lynch, and certain named individuals totaling approximately $5.83 billion. Bank of America Corporation owns Countrywide and Merrill Lynch. The cases alleged violations of federal and state securities laws in connection with private-label, residential mortgage-backed securities (PLS) purchased by Fannie Mae and Freddie Mac between 2005 and 2007. Allegations of common law fraud were made in the Countrywide and Merrill Lynch cases.

The Agreement provides for an aggregate payment of approximately $9.33 billion by Bank of America that includes the litigation resolution as well as a purchase of securities by Bank of America from Fannie Mae and Freddie Mac.

“FHFA has acted under its statutory mandate to recover losses incurred by the companies and American taxpayers and has concluded that this resolution represents a reasonable and prudent settlement of these cases,” said FHFA Director Melvin L. Watt. “This settlement also represents an important step in helping restore stability to our broader mortgage market and moving to bring back the role of private firms in providing mortgage credit. Many potential homeowners will benefit from increasing certainty in the marketplace and that is very much the direction we should be taking.”

Of the 18 PLS suits filed in 2011, FHFA now has claims remaining in seven suits against various institutions and remains committed to satisfactory resolution of these pending actions.

The settlement agreement regarding private label securities claims between FHFA and Bank of America involves the following cases: Federal Housing Finance Agency v. Bank of America Corp., et al., No. 11 Civ. 6195 (DLC) (S.D.N.Y.); Federal Housing Finance Agency v. Countrywide Financial Corp., et al., No. 12 Civ. 1059 (MRP) (C.D. Cal.); Federal Housing Finance Agency v. Merrill Lynch & Co., Inc., et al., No. 11 Civ. 6202 (DLC) (S.D.N.Y.); as well as one Merrill Lynch security in Federal Housing Finance Agency v. First Horizon National Corp., No. 11 Civ. 6193 (DLC) (S.D.N.Y.).

Whistleblower Michael Winston Screwed By the Appeals Court

POLICY: LAW

http://washingtonexaminer.com/a-whistleblowers-worst-nightmare/article/2546069

A whistleblower’s worst nightmare

BY DIANE DIMOND | MARCH 21, 2014 AT 2:52 PM

TOPICS: 2007 HOUSING CRISIS WHISTLEBLOWERS LAW

Photo – Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael Winston, but the bottom line is this: He got royally screwed by the California judicial system.

Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael…

Justice is supposed to be blind. But what happens when it turns out to be blind, deaf and dumb?

Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael Winston, but the bottom line is this: He got royally screwed by the California judicial system.

Winston, 62, is a mild-mannered Ph.D. and a veteran leadership executive who has held top jobs at elite corporations such as McDonnell Douglas, Motorola and Merrill Lynch. After taking time off to nurse his ailing parents, Winston was recruited by Countrywide Financial to help polish their corporate Image. He was quickly promoted — twice — and had a team of 200 employees.

It’s almost unheard of for a top-tier executive turning whistleblower, but that’s what Winston became after he noticed many of his staff were sickened by noxious air in their Simi Valley, California, office. When the company failed to fix the problem, Winston picked up the phone and called Cal-OSHA to investigate. Retaliation was immediate. Winston’s budget was cut and most of his staff was reassigned.

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Several months later, Winston says he refused Countrywide’s request to travel to New York and, basically, lie to the credit ratings agency Moody’s about corporate structure and practices. That was the death knell for Winston’s stellar 30-year-long career.

When Countrywide was bought out by Bank of America in 2008 — following Countrywide’s widely reported lead role in the sub-prime mortgage fiasco that caused the collapse of the U.S. housing market — Winston was out of a job.

In early 2011, after a month-long trial, a jury overwhelmingly found that Winston had been wrongfully terminated and awarded him nearly $4 million. Lawyers for Bank of America (which had assumed all Countrywide liabilities) immediately asked the judge to overturn the verdict. Judge Bert Gennon Jr. denied the request saying, “There was a great deal of evidence that was provided to the jury in making their decision, and they went about it very carefully.” Winston and his lawyer maintain they won despite repeated and egregious perjury by the opposition.

Winston never saw a dime of his award, and nearly two years later, B of A appealed. In February 2013, the Court of Appeal issued a stunning reversal of the verdict. The court declared Winston had failed to make his case.

“This never happens … this isn’t legal,” Cliff Palefsky, a top employment lawyer in San Francisco told me during a phone conversation. “The appeals court is not supposed to go back and cherry-pick through the evidence the way this court did. And if there is any doubt about a case, they are legally bound to uphold the jury’s verdict.”

None of the legal eagles I spoke to could explain why the Court of Appeal would do such an apparently radical thing.

The Government Accountability Project, a whistleblower protection group in D.C., has been watching the Winston case closely. Senior Counsel Richard Condit says he believes the appeal judge wrongly “nullified” the jury’s determination.

“This case is vitally important,” Condit told me on the phone. “Seeing what happened to Winston, who will ever want to come forward and reveal what they know about corporate wrongdoings?” GAP and various legal academicians are trying to figure out a way to get Winston’s case before the U.S. Supreme Court.

There have been whispers about the possible malpractice of Winston’s trial lawyer failing to file crucial documents that might have satisfied the appeal court’s questions. His appellate lawyer didn’t even tell him when the appeals court was hearing the case and Winston was out of town. The LA District Attorney and the Sheriff’s Department refused to follow up on evidence that Countrywide witnesses, including founder Angelo Mozilo, had blatantly committed perjury on the stand. Some court watchers speak of the, “unholy alliance” between big corporations and the justice system in California.

Winston, who says he spent $600,000 on legal fees, further depleted his savings by appealing to the California Supreme Court. That court refused to hear his case.

During one of our many hours-long phone conversations, Winston told me, “So, here I sit,” the whistleblower. The good guy loses. And the bad guys, officials at the corporation that cheated and lied and nearly caused the collapse of the U.S. economy — win.”

There’s a lot of talk out of Washington these days about “economic equality.” But seven years have passed since the housing crisis and the feds have not prosecuted one key executive from any of the financial giants that helped fuel the economic crash. Too big to fail — and too big to jail, I guess.

Bank of America has spent upward of $50 billion in legal fees, litigation costs and fines cleaning up the Countrywide mess. Their latest projections indicate they’ll spend billions more before it’s over. To my mind, a stiff prison sentence for the top dogs who orchestrated the original mortgage schemes would go much further than agreeing that they pay hefty fines. That’s no deterrent to others since they all have lots of money.

A recent email I got from Michael Winston, a proud man who has been unemployed for four years, said: “I have just received (a) court order mandating that I pay to Bank of America over $100,000.00 for their court costs. This will be in all ways — financial, emotional, physical and spiritual — painful.”

If a top-tier executive can’t prevail blowing the whistle on a corrupt company, if the feds fail to pursue prison terms, and if a jury’s verdict can be over-turned without the opportunity to appeal — what kind of signal does that send to the dishonest?

You know the answer. We’re telling them it is OK to put profit above everything else. We’re telling them to continue their illegal behaviors because there will be no prison time for them. At worst, they may only have to part with a slice of their ill-gotten gains.

This is not the way the justice system is supposed to work.

 

DIANE DIMOND, a Washington Examiner columnist, is nationally syndicated by Creators Syndicate.

The Last Days As We Know Them?

‘You Have No Idea How Bad It Is,’ Says Ex-Spook On Destruction Of US

Friday, March 21, 2014 23:52
 http://beforeitsnews.com/alternative/2014/03/you-have-no-idea-how-bad-it-is-says-ex-spook-on-destruction-of-us-2923606.html

 

You Have No Idea How Bad It Is,’ Says Ex-Spook On Destruction Of US

 

Friday, March 21, 2014 23:52

 

 

 

 

 

(Before It’s News)

Nazi America

Examiner.Com

Anthony Martin

On Wednesday it was reported that America’s enemies within, mainly those who are part of the “progressive movement,” are very close to their ultimate goal of the complete demise of the Republic has envisioned by the Constitution and the Bill of Rights. Today there is even more disturbing news.

An “ex-spook” as they are known, in other words a retired member of the CIA, stated concerning the effort to destroy the U.S., “You have no idea how bad it is.” The enemies of freedom and the Constitution within the country, he said, have now succeeded in putting most of their goals in place. “Think of how far they have come since 2008,” he continued, “Most Americans don’t even recognize their own country anymore. They feel like foreigners in their own land.”

“If we continue down the present path,” he concluded, “Our liberties will be dust in the wind by 2016. These people are organized, relentless, persistent, and dangerous. And they have been at it since the early 1900s.”

The former agent did not wish to be more specific about what he knows due to the fact that if he did so, it would be easy enough to figure out his identity based upon the in-depth knowledge he has of certain facts.

These “enemies within” are generally known as progressives, although the term has fallen in and out of vogue based upon changing perceptions of the public. Progressives are known under a variety of names. Liberals, collectivists, statists, Marxists, neo-Marxists, socialists, and “democratic consensus builders” are some of the more common terms that people who stand for freedom and liberty have used to describe progressives. But it all boils down to the same thing. In order for them to achieve their self-described utopia, human freedom and liberty must be severely restricted and controlled, and the power of the centralized government must be greatly strengthened.

Read More Here

 

Georgia Gun Laws

http://beforeitsnews.com/alternative/2014/03/massive-georgia-gun-rights-bill-passes-legislature-at-last-minute-video-2923916.html

Massive Georgia gun-rights bill passes legislature at last minute (VIDEO)

Saturday, March 22, 2014 12:12
 Beats the hell out of confiscating our guns!

(Before It’s News)

Rep. Rick Jasperse (R-Jasper) celebrates after his gun bill received final passage in the House after 11 p.m. on the last day of the session Thursday evening. (Photo credit: Ben Gray/Atlanta Journal Constitution)

 

Rep. Rick Jasperse (R-Jasper) celebrates after his gun bill received final passage in the House after 11 p.m. on the last day of the session Thursday evening. (Photo credit: Ben Gray/Atlanta Journal Constitution)

The sweeping gun-rights bill that has been winding its way through the past two legislative sessions in the Georgia state legislature passed in the last hours of the current session.

The bill, HB060, legalizes the use of suppressors for hunting in the state and allows guns in several areas that previously were off limits, such as in unsecured areas of airports.

“The House has finally come along for Georgia’s gun owners,” said Sen. Bill Heath, R-Bremen on the legislation.

House Bill 60 was introduced into the state House over a year ago before finally passing that body on Feb. 13, 2014 by a landslide 167-3 vote. Then followed a month of being passed back and forth between the Georgia House and Senate with various amendments clarifying the measure’s sections on legalizing suppressors and allowing guns in churches.

The House, sending the bill to the governor’s desk, confirmed the final version, which passed the Senate on Mar. 18 by a 37-18 vote, Thursday.

One of the few changes in the final bill from the original version included dropping language that would have allowed guns in churches. Instead, unless a church itself expressly allows guns on its property, it will remain illegal.

“Churches would have to vote on it,” said Melinda Ennis, who heads Moms Demand Action for Gun Sense in Georgia. “The clergy didn’t ask for this and they don’t want it. They wonder why it was put on their plate to deal with when they have so many other matters of faith.”

Meanwhile. those in the firearms industry noted the bill’s inclusion of suppressors, which would now be legal for hunting in the Peachtree State.

“We are pleased by the growing appreciation by state legislators and wildlife managers of the benefits sound suppressors provide to hunters and target shooters,” Larry Keane, National Shooting Sports Foundation senior vice president and general counsel, told Guns.com Friday. “We look forward to actively supporting legislation in other states.”

Legislation backing expanded use of suppressors as well as increases in concealed carry laws have been sweeping the country in recent months. South Carolina’s governor signed a new law in February to allow carry in bars and restaurants that serve alcohol whereas North Carolina greatly expanded their concealed carry laws in 2013.

House Bill 60 now heads to the desk of Georgia Gov. Nathan Deal (R) for signature.

The post Massive Georgia gun-rights bill passes legislature at last minute (VIDEO) appeared first onGuns.com.

Killer Cops

Yall be careful out there, and I hate to say it, but if someone calls the cops on you for a domestic dispute, or if you get pulled over, you may not survive the ordeal:

 

http://beforeitsnews.com/blogging-citizen-journalism/2014/03/cold-hard-proof-us-is-a-military-police-state-video-2451684.html?utm_campaign=&utm_content=beforeit39snews-verticalresponse&utm_source=direct-b4in.info&utm_medium=verticalresponse&utm_term=http%3A%2F%2Fb4in.info%2FiVzq

Hearsay on Hearsay Livinglies Neil Garfield

 

Hearsay on Hearsay: Bank Professional Witnesses Using Business Records Exception as Shield from Truth

by Neil Garfield

http://livinglies.wordpress.com/2014/03/19/hearsay-on-hearsay-bank-professional-witnesses-using-business-records-exception-as-shield-from-truth/

Wells Fargo Manual “Blueprint for Fraud”

Well that didn’t take long. Like the revelations concerning Urban Lending Solutions and Bank of America, it is becoming increasingly apparent that the the intermediary banks were hell bent for foreclosure regardless of what was best for the investors or the borrowers. This included, fraud, fabrication, unauthorized documents and signatures, perjury and outright theft of money and identities. I understand the agreement between the Bush administration and the large banks. And I understand the reason why the Obama administration continued to honor the agreements reached between the Bush administration and the large banks. They didn’t have a clue. And they were relying on Wall Street to report on its own behavior. But I’m sure the agreement did not even contemplate the actual crimes committed. I think it is time for US attorneys and the Atty. Gen. of each state to revisit the issue of prosecution of the major Wall Street banks.

With the passage of time we have all had an opportunity to examine the theory of “too big to fail.” As applied, this theory has prevented prosecutions for criminal acts. But more importantly it is allowing and promoting those crimes to be covered up and new crimes to be committed in and out of the court system. A quick review of the current strategy utilized in foreclosure reveals that nearly all foreclosures are based on false assumptions, no facts,  and a blind desire for expediency that  sacrifices access to the courts and due process. The losers are the pension funds that mistakenly invested into this scheme and the borrowers who were used as pawns in a gargantuan Ponzi scheme that literally exceeded all the money in the world.

Let’s look at one of the fundamental strategies of the banks. Remember that the investment banks were merely intermediaries who were supposedly functioning as broker-dealers. As in any securities transaction, the investor places in order and is responsible for payment to the broker-dealer. The broker-dealer tenders payment to the seller. The seller either issues the securities (if it is an issuer) or delivers the securities. The bank takes the money from the investors and doesn’t deliver it to an issuer or seller, but instead uses the money for its own purposes, this is not merely breach of contract —  it is fraud.

And that is exactly what the investors, insurers, government guarantors and other parties have alleged in dozens of lawsuits and hundreds of claims. Large banks have avoided judgment based on these allegations by settling the cases and claims for hundreds of billions of dollars because that is only a fraction of the money they diverted from investors and continue to divert. This continued  diversion is accomplished, among other ways, through the process of foreclosure. I would argue that the lawsuits filed by government-sponsored entities are evidence of an administrative finding of fact that closes the burden of proof to be shifted to the cloud of participants who assert that they are part of a scheme of securitization when in fact they were part of a Ponzi scheme.

This cloud of participants is managed in part by LPS in Jacksonville. If you are really looking for the source of documentation and the choice of plaintiff or forecloser, this would be a good place to start. You will notice that in both judicial and non-judicial settings, there is a single party designated as the apparent creditor. But where the homeowner is proactive and brings suit against multiple entities each of whom have made a claim relating to the alleged loan, the banks stick with presenting a single witness who is “familiar with the business records.” That phrase has been specifically rejected in most jurisdictions as proving the personal knowledge necessary for a finding that the witness is competent to testify or to authenticate documents that will be introduced in evidence. Those records are hearsay and they lack the legal foundation for introduction and acceptance into evidence in the record.

So even where the lawsuit is initiated by “the cloud” and even where they allege that the plaintiff is the servicer and even where they allege that the plaintiff is a trust, the witness presented at trial is a professional witness hired by the servicer. Except for very recent cases, lawyers for the homeowner have ignored the issue of whether the professional witness is truly competent,  and especially why the court should even be listening to a professional witness from the servicer when it is hearing nothing from the creditor. The business records which are proffered to the court as being complete are nothing of the sort. There documents prepared for trial which is specifically excluded from evidence under the hearsay rule and an exception to the business records exception.

Lately Chase has been dancing around these issues by first asserting that it is the owner of a loan by virtue of the merger with Washington Mutual. As the case progresses Chase admits that it is a servicer. Later they often state that the investor is Fannie Mae. This is an interesting assertion which depends upon complete ignorance by opposing counsel for the homeowner and the same ignorance on the part of the judge. Fannie Mae is not and never has been a lender. It is a guarantor, whose liability arises after the loss has been completely established following the foreclosure sale and liquidation to a third-party. It is also a master trustee for securitized trusts. To say that Fannie Mae is the owner of the alleged loan is an admission that the originator never loaned any money and that therefore the note and mortgage are invalid. It is also intentional obfuscation of the rights of the investors and trusts.

The multiple positions of Chase is representative of most other cases regardless of the name used for the identification of the alleged plaintiff, who probably doesn’t even know the action exists. That is why I suggested some years ago that a challenge to the right to represent the alleged plaintiff would be both appropriate and desirable. The usual answer is that the attorney represents all interested parties. This cannot be true because there is an obvious conflict of interest between the servicer, the trust, the guarantor, the trustee, and the broker-dealer that so far has never been named. Lawsuits filed by trust beneficiaries, guarantors, FDIC and insurers demonstrate this conflict of interest with great clarity.

I wonder if you should point out that if Chase was the Servicer, how could they not know who they were paying? As Servicer their role was to collect payments and send them to the creditor. If the witness or nonexistent verifier was truly familiar with the records, the account would show a debit to the account for payment to Fannie Mae or the securitized trust that was the actual source of funds for either the origination or acquisition of loans. And why would they not have shown that?  The reason is that no such payment was made. If any payment was made it was to the investors in the trust that lies behind the Fannie Mae curtain.

And if the “investor” had in fact received loss sharing payment from the FDIC, insurance or other sources how would the witness have known about that? Of course they don’t know because they have nothing to do with observing the accounts of the actual creditor. And while I agree that only actual payments as opposed to hypothetical payments should be taken into account when computing the principal balance and applicable interest on the loan, the existence of terms and conditions that might allow or require those hypothetical payments are sufficient to guarantee the right to discovery as to whether or not they were paid or if the right to payment has already accrued.

I think the argument about personal knowledge of the witness can be strengthened. The witness is an employee of Chase — not WAMU and not Fannie Mae. The PAA is completely silent about  the loans. Most of the loans were subjected to securitization anyway so WAMU couldn’t have “owned” them at any point in the false trail of securitization. If Chase is alleging that Fannie Mae in the “investor” then you have a second reason to say that both the servicing rights and the right to payment of principal, interest or monthly payments in doubt as to the intermediary banks in the cloud. So her testimony was hearsay on hearsay without any recognizable exception. She didn’t say she was custodian of records for anyone. She didn’t say how she had personal knowledge of Chase records, and she made no effort to even suggest she had any personal knowledge of the records of Fannie and WAMU — which is exactly the point of your lawsuit or defense.
 

If the Defendant/Appellee’s argument were to be accepted, any one of several defendants could deny allegations made against all the defendants individually just by producing a professional witness who would submit self-serving sworn affidavits from only one of the defendants. The result would thus benefit some of the “represented parties” at the expense of others.

Their position is absurd and the court should not be used and abused in furtherance of what is at best a shady history of the loan. The homeowner challenges them to give her the accurate information concerning ownership and balance, failing which there was no basis for a claim of encumbrance against her property. The court, using improper reasoning and assumptions, essentially concludes that since someone was the “lender” the Plaintiff had no cause of action and could not prove her case even if she had a cause of action. If the trial court is affirmed, Pandora’s box will be opened using this pattern of court conduct and Judge rulings as precedent not only in foreclosure actions, disputes over all types of loans, but virtually all tort actions and most contract actions.

Specifically it will open up a new area of moral hazard that is already filled with debris, to wit: debt collectors will attempt to insert themselves in the collection of money that is actually due to an existing creditor who has not sold the debt to the collector. As long as the debt collector moves quickly, and the debtor is unsophisticated, the case with the debt collector will be settled at the expense of the actual creditor. This will lead to protracted litigation as to the authority of the debt collector and the liability of the debtor as well as the validity of any settlement.

Foreclosure Hell, Keeps on Rollin

     Foreclosure filings were reported on 124,419 U.S. properties in January 2014, an 8 percent increase from December but still down 18 percent from January 2013.  Foreclosure filings were reported on 1,361,795 U.S. properties in 2013, down 26 percent from 2012 and down 53 percent from the peak of 2.9 million properties with foreclosure filings in 2010.  But still, 9.3 million U.S. residential properties were deeply underwater representing 19 percent of all properties with a mortgage in December 2013, down from 10.7 million homes underwater in September 2013.[1] 

            In 2006 there were 1,215,304 foreclosures, 545,000 foreclosure filings and 268,532 Home Repossessions.  By 2007 foreclosures had almost doubled – up to 2,203,295 with 1,260,000 foreclosure filings and 489,000 Home Repossessions.  2008 saw an even further increase to 3,019,482 foreclosures, 2,350,000 Foreclosure filings and 679,000 Home Repossessions.  In 20093,457,643 foreclosures, 2,920,000 foreclosure filings, and 945,000 Home Repossessions.  2010:  3,843,548 foreclosures, 3,500,000 foreclosure filings, and 1,125,000 Home Repossessions.  2011:  3,920,418 foreclosures, 3,580,000 foreclosure filings, and 1,147,000 Home Repossessions.  Then January to September 20121,616,427 foreclosures 1,382,000 foreclosure filings and 572,844 Repossessions.  The remainder of 2012 – September through December saw an additional 2,300,000 foreclosures, 2,100,000 foreclosure filings and 700,000 Repossessions.  In other words, from 2006 through 2012, there were a total of  21,576,117 foreclosures; 17,637,000 foreclosure filings; 5,926,376 Home Repossessions.  The foreclosures added to the repossessions is equal to:  27,502,493[2].  The numbers are staggering.

            Many of the homes have been wrongfully foreclosed upon, where either the party had not been in default, or the foreclosing party lacked standing to foreclose.  It has become almost as lawless as the wildwest, or comparable to a shark feeding frenzy.


[1] All of the foreclosure figures came from RealtyTrac:  http://www.realtytrac.com/content/foreclosure-market-report

[2] http://www.statisticbrain.com/home-foreclosure-statistics/                                                                 Statistic Verification  Source: RealtyTrac, Federal Reserve, Equifax

Neil Garfield’s Living Lies Weblog, Keeping You Informed!

New post on Livinglies’s Weblog

 
 

Fannie and Freddie Demand $6 Billion for Sale of “Faulty Mortgage Bonds”

by Neil Garfield

You read the news on one settlement after another, it sounds like the pound of flesh is being exacted from the culprits again and again. This time the FHFA, as owner of Fannie and Freddie, is going for a settlement with Bank of America for sale of “faulty mortgage bonds.” And most people sit back and think that justice is being done. It isn’t. $6 Billion is window dressing on a liability that is at least 100 times that amount. And stock analysts take comfort that the legal problems for the banks has basically been discounted already. It hasn’t.

For practitioners who defend mortgage foreclosures, you must dig a little deeper. The term “faulty mortgage bonds” is a euphemism. Look at the complaints there filed. When they are filed by agencies it means that after investigation they have arrived at the conclusion that something was. very wrong with the sale of mortgage bonds. That is an administrative finding that concluded there was at least probable cause for finding that the mortgage bonds were defective and potentially were criminal.

So what does “defective” or “faulty” mean? Neither the media nor the press releases from the agencies or the banks tell us what was wrong with the bonds. But if you look at the complaints of the agencies, they tell you what they mean. If you look at the investor lawsuits you see that they are alleging that the notes and mortgages were “unenforceable.” Both the agencies and the investors filed complaints alleging that the mortgage bonds were a farce, sham or in other words, a PONZI Scheme.

Why is that important to foreclosure defense? Digging deeper you will find what I have been reporting on this blog. The investors money was not used to fund the REMIC trusts. The unfunded trusts never had the money to buy or fund the origination of bonds. The notes and mortgages were never sold to the Trusts even though “assignments” were executed and shown in court. The assignments themselves were either backdated or violated the 90 day cutoff that under applicable law (the laws of the State of New York) are VOID and not voidable.

What to do? File Freedom of Information Act requests for the findings, allegations and names of investigators for the agency that were involved in the agency action. Take their deposition. Get documents. Find put what mortgages were looked at and which bond series were involved. Get a list of the mortgages and the bonds that were examined. Get the findings on each mortgage and each mortgage bond. Use the the investor allegations as lender admissions admissions in court — that the notes and mortgages are unenforceable.

There is a disconnect between what is going on at the top of the sham securitization chain and what went on in sham mortgage originations and sham sales of loans. They never happened in the real world, no matter how much paper you throw at it.

And that just doesn’t apply to mortgages in default — it applies to all mortgages, which is why all the mortgages that currently exist, and most of the deeds that show ownership of the property have clouded and probably “defective” and “faulty” titles. It’s clear logic that the government and the banks are seeking to avoid, to wit: that if the way in which the money was raised to fund the loans or purchase the loans were defective, then it follows that there are defects in the chain of title and the money trail that were obviously not disclosed, as per the requirements of TILA and Reg Z.

And when you keep digging in discovery you will find out that your client has some clear remedies to collect the profits and compensation paid to undisclosed recipients arising out of the closing of the “loan.” These are offsets to the amount claimed as due. If the loan was not funded by the Trust, then the false paper trail used by the banks in foreclosure is subject to successful attack. If the loans were in fact funded directly by the trust complying with the REMIC provisions of the Internal Revenue Code, then the payee on the note and the mortgagee on the mortgage would be the trust — or if the loan was actually purchased, the Trust would have issued money to the seller (something that never happened).

And lastly, for now, let us look at the capital structure of these banks. A substantial portion of their capital derives from assets in the form of mortgage bonds. This is the most blatant lie of all of them. No underwriter buys the securities issued by the company seeking financing through an offering to investors. It is an oxymoron. The whole purpose of the underwriter was to create securities that would be appealing to investors. The securities are only issued when you have a buyer for them, and then the investor is the owner of the security — in this case mortgage bonds.

The bonds are not issued to the investment bank as an asset of the investment bank. But they ARE issued to the investment bank in “street name.” That is merely to facilitate trading and delivery of certificates which in most cases in the mortgage bond market don’t exist. The issuance in street name does not mean the banks own the mortgage bonds any more than when you a stock and the title is issued in street name mean that you have loaned or gifted the investment to the investment bank.

If you follow the logic of the investment bank then the deposits of money by depository customers could be claimed as assets — without the required entry in the liabilities section of the balance sheet because every dollar on deposit is a liability to pay those monies on demand, which is why checking accounts are referred to as demand deposits.

Hence the “asset” has been entered on the investment bank balance sheet without the corresponding liability on the other side of their balance sheet. And THAT remains that under cover of Federal Reserve purchase of these bonds from the banks, who don’t own the bonds, the value of the bonds is 100 cents on the dollar and the owner is the bank — a living lies fundamental. When the illusion collapses, the banks are coming down with it. You can only go so far lying to the public and the investment community. Eventually the reality is these banks are underfunded, under capitalized and still being propped up by quantitative easing disguised as the purchase of mortgage bonds at the rate of $85 Billion per month.

We need to be preparing for the collapse of the illusion and get the other financial institutions — 7,000 community and regional banks and credit unions — ready to take on the changes caused by the absence of the so-called major banks who are really fictitious entities without a foundation related to economic reality. The backbone is already available — electronic funds transfer is as available to the smallest bank as it is to the largest. It is an outright lie that we need the TBTF banks. They have failed and cannot recover because of the enormity of the lies they told the world. It’s over.

JP Morgan and Chase Co. to Be Hit With Fines

Mortgage group concerned about payment structures for fines 

http://www.insidecounsel.com/2013/10/08/mortgage-group-concerned-about-payment-structures?t=litigation 

Group says large banks have the option to leverage loans they don’t own in order to settle violations

BY CHRIS DIMARCO

October 8, 2013 • Reprints 

While the Department of Justice (DOJ) and J.P. Morgan and Chase Co. have still yet to reach a settlement to resolve a number of pending probes, investors are concerned that they could be unfairly required to shoulder the burden the banks pay out. 

A group of mortgage bond investors has penned a letter to the DOJ, asking it to prevent any bank from using mortgage-backed security adjustments to pay fines. They did not directly imply that the settlement they were talking about stemmed from the ongoing discussions between JP and the DOJ, but raised concerns surrounding settlements with any major bank. 

The group, the Association of Mortgage Investors (AMI), represents about 25 individuals and controls about $56 billion in assets under its organization. In the letter, which was reviewed by The Wall Street Journal, the group’s executive director Chris Katopis says, “Parties sued by the government or third-parties should not be able to settle with assets that they do not own, namely other people’s money.” 

As of last week, J.P. Morgan and the DOJ had yet to come to agreement terms that would end a series of investigations pending for the bank. Settlement figures as high as $11 billion have been kicked around, according to individuals close to the case, although no official word has been made. According to speculation, $7 billion of that total would be paid out in fines, with an additional $4 billion going towards relief for struggling homeowners. 

The Association of Mortgage Investors is said to be posturing proactively because of previous mortgage settlements made this year. In these settlements, banks could receive partial settlement credit if they reduced loan-balances. However, many of the mortgages they reduced balances on were managed by investors, and therefore not technically owned by the banks. 

There has been little news out of the J.P. Morgan talks outside of speculation, and it is not known if the Department of Justice is considering the type of payment structure the AMI is fearful of in their talks.

OCTOBER 5, 2013 BY 

Radiation Poisoning! 

Just Released: Doctors Report Thousands Of Japanese People With Nose Bleeds From Radiation (VIDEO)

(Before It’s News)

There are thousands of people in Japan reporting to be suffering massive and recurring nosebleeds in recent days — Gundersen:

Japanese doctors explain that, “We know our patients have radiation illness” but we are forced to keep it secret (VIDEO)

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Over 3,000 ppl mostly of age under 30 are suffering from recurring massive nosebleeding in Japan
Source: Takahiro Katsumi (Foreign Policy Aide to Senator Tadashi Inuzuka, a member of the House of Councillors of the Japanese National Diet –Source)
Date: Updated Oct. 1, 2013
h/t Anonymous tips

  1. FACT: Over 5,000 ppl were reported of tweeting “nosebleed”(hanaji) over the past two-day period from 9/22-9/23 http://togetter.com/li/567445
  2. FACT: Over 3,000 ppl were reported of tweeting “can’t stop my nosebleed” (hanaji ga tomaranai) during the week of 9/20-9/30 (as of 12am 10/01/2013 JST)http://togetter.com/li/568710
  3. FACT: Over 2,500 ppl were reported of tweeting “I’m nosebleeding” (hanaji ga deta) during the short days of 9/28-9/30 (as of 12 am 10/01/2013 JST)http://togetter.com/li/570016

[…] WHAT YOU CAN DO:

For Japanese Facebook and Twitter users, I’ve been asking for assistance to help spread the survey to as much of the affected people as possible using the list shown above. For users overseas, I would like to ask the following: Help me create a database out of this massive list; Help me find reliable statistics on nosebleeding in general vis-a-vis abnormal nosebleeding; and Help me devise a way to bring in the international civic community’s attention on the matter.

See the complete report here

‘Radioactive Spill’ at Fukushima: Tons seeping into ground; ‘Widespread structural problems’ indicated with tanks — Nitrogen injection for preventing explosions at reactors temporarily halted
http://enenews.com/radioactive-spill-…

Nuclear regulator criticized for ‘red tape’ job
Japan’s nuclear regulator is coming under fire from intellectuals. They’re being criticized for bureaucratic behavior.
The Nuclear Regulation Authority fielded comments on Monday from 6 experts who are studying the crisis in Fukushima. The discussion was a review of the NRA’s first year of operation.

“Fear of contaminated food and radioactivity in the metropolitan area” Takashi Hirose
http://blog.goo.ne.jp/jpnx05/e/7db9b9…

The World Must Take Charge at Fukushima
http://coto2.wordpress.com/2013/09/30…

Dr. Helen Caldicott Talks Bluntly About Fukushima
http://www.youtube.com/watch?v=Gqz9qD…

CriticalReads:More News Mainstream Media Chooses To Ignore By Josey Wales, Click Here!

Garfield on Stopa’s Courage and Court’s Bias

Attorney Mark Stopa Shows Guts Confronting Appellate Court Bias                          Posted on October 4, 2013 by Neil Garfield 

http://livinglies.wordpress.com/2013/10/04/attorney-mark-stopa-shows-guts-confronting-appellate-court-bias/ 

I have just received a copy of a daring and tempestuous motion for rehearing en banc filed by the winner of the appeal. The homeowner won because of precedent, law and common sense; but the court didn’t like their own decision and certified an absurd question to the Florida Supreme Court. The question was whether the Plaintiff in a foreclosure case needs to have standing at the commencement of the action. Whether it is jurisdictional or not (I think it is clearly jurisdictional) Stopa is both right on the law and right on his challenge to the Court on the grounds of BIAS.

The concurring opinion of the court actually says that the court is ruling for the homeowner because it must — but asserts that it is leading to a result that fails to expedite cases where the outcome of the inevitable foreclosure is never in doubt. In other words, the appellate court has officially taken the position that we know before we look at a foreclosure case that the bank should win and the homeowner should lose. The entire court should be recused for bias that they have put in writing. What homeowner can bring an action or defend an action where the outcome desired by the courts in that district have already decided that homeowners are deadbeats and their defenses are quite literally a waste of time? Under the rules, the Court should not hear the the motion for rehearing en banc, should vacate that part of the decision that sets up the rube certified question, and the justices who participated must be recused from hearing further appeals on foreclosure cases. 

Lest their be any mistake, and without any attempt to step on the toes of Stopa’s courageous brief on an appeal he already won, I wish to piggy back on his brief and expand certain points. The problem here might be the subject of a federal due process action against the state. Judges who have already decided foreclosure or mortgage litigation cases before they even see them are not fit to hear them. It IS that simple.

The question here was stated as the issue of standing at the commencement of the lawsuit. Does the bank need to have a claim before it files it? The question is so absurd that it is difficult to address without a joke. But this is not funny. The courts have rapidly evolved into a position that expedited decisions are better than fair decisions. There is NOTHING in the law that supports that position and thousands of cases that say the opposite is true under our system of law. Any judge who leans the other way should be recused or taken off the bench entirely. 

In lay terms, the Appellate Court’s certified question would allow anyone who thinks they might have a claim in the future to file the lawsuit now. And the Court believes this will relieve the clogged court calendars. If this matter is taken seriously and the Supreme Court accepts the certified question for serious review it will merely by acceptance be making a statement that makes it possible for all kinds of claims that anticipate an injury. 

It is bad enough that judges appear to be ignoring the requirement that there must be an allegation that a loan was made by the originating party and that the Plaintiff actually bought the loan. This was an obvious requirement that was consistently required in pleading until the courts were clogged with mortgage litigation, at which point the court system tilted far past due process and said that if the borrower stopped paying there were no conditions under which the borrower could win the case. 

It is bad enough that Judges appear to be ignoring the requirement that the allegation that the Plaintiff will suffer financial damage unless relief is granted. This was an obvious requirement that was consistently required in pleading until the mortgage meltdown. 

Why is this important? Because the facts will show that lenders consistently violated basic and advanced protections that have been federal and State law for decades. These violations more often than not produced an unenforceable loan — as pointed out in law suits by federal and state regulators, and as pointed out by the lawsuits of investors who were real lenders who are screwed each time the court enters foreclosure judgment in favor of the bank instead of the investor lenders. 

It is not the fault of borrowers that this mess was created. It is the fault of Wall Street Bankers who were working a scheme to defraud investors by diverting the real transaction and making it appear that the banks were principals in the loan transaction when in fact they were never real parties in interest. Nobody would seriously argue that this eliminates the debt. But why are we enforcing that debt with completely defective mortgage instruments in a process that confirms the fraud and ratifies it to the damage of investors who put up the money in the first place? The courts have made a choice that is unavailable in our system of law. 

This is also judicial laziness. If these justices want to weigh in on the mortgage mess, then they should have the facts and not the stories put forward by Wall Street that have been proven to be pure fiction, fabrication, lies and perjury. That the Court ignores what is plainly documented in hundreds of thousands of defective mortgage transactions and the behavior of banks that resulted in “strangers to the transaction” being awarded title to property — that presents sufficient grounds to challenge any court in the system on grounds of bias and due process. If ever we had a mass hysteria for prejudging cases, this is it. 

Neil Garfield | October 4, 2013 at 9:26 am | Tags: bias, Mark Stopa, motion for rehearing en banc, recusal, removal of judge, standing | Categories: CORRUPTION, Eviction, foreclosure, foreclosure mill, investment banking, Investor, MODIFICATION, Mortgage, Motions, Pleading, politics, securities fraud, Servicer | URL: http://wp.me/p7SnH-5GX

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