Group items tagged

Recent headlines about the troubled subprime lending industry are making Americans more aware of the consequences of risky lending practices. But unscrupulous lenders and scam artists continue to prey on unsuspecting loan shoppers and homeowners. Unfortunately, loan-related scams aren't restricted to tricking consumers into loans with outrageously high interest rates. Today's sophisticated scammers are using loans as a vehicle to do everything from stealing sensitive personal information to virtually stealing a credit-challenged homeowner's own home. The mortgage experts at Loan.com have identified five top scams that all consumers - mortgage shoppers and homeowners alike - should be on the look-out for. 1. Unsolicited phone calls Americans across the country have reported receiving phone calls from telemarketers posing as representatives from well-known organizations such as Fannie Mae offering to refinance loans at low rates. These "representatives" often ask for personal information, claiming they need it to qualify a victim for a loan. This information is then used to steal a victim's identity. Loan.com's Advice: Be wary of any phone call offering remarkably low interest rates on loans, especially if you have registered your phone number with the Do Not Call Registry. Most major nationwide lenders do not solicit business over the phone. Never give out personal information over the phone unless you are absolutely sure who you are speaking with. 2. "Helpful" contractors Many homeowners have reported contractors - often roofing or remodel professionals - approaching them with an offer to perform upgrades on their home at a reasonable price. These contractors offer financing through low-interest loans. It's not until after signing numerous forms that too many homeowners realize they have signed off on a high-interest home equity loan, and that the contractor has been hired by unscrupulous lenders to sell loans, not impro

Recent headlines about the troubled subprime lending industry are making Americans more aware of the consequences of risky lending practices. But unscrupulous lenders and scam artists continue to prey on unsuspecting loan shoppers and homeowners. Unfortunately, loan-related scams aren't restricted to tricking consumers into loans with outrageously high interest rates. Today's sophisticated scammers are using loans as a vehicle to do everything from stealing sensitive personal information to virtually stealing a credit-challenged homeowner's own home. The mortgage experts at Loan.com have identified five top scams that all consumers - mortgage shoppers and homeowners alike - should be on the look-out for. 1. Unsolicited phone calls Americans across the country have reported receiving phone calls from telemarketers posing as representatives from well-known organizations such as Fannie Mae offering to refinance loans at low rates. These "representatives" often ask for personal information, claiming they need it to qualify a victim for a loan. This information is then used to steal a victim's identity. Loan.com's Advice: Be wary of any phone call offering remarkably low interest rates on loans, especially if you have registered your phone number with the Do Not Call Registry. Most major nationwide lenders do not solicit business over the phone. Never give out personal information over the phone unless you are absolutely sure who you are speaking with. 2. "Helpful" contractors Many homeowners have reported contractors - often roofing or remodel professionals - approaching them with an offer to perform upgrades on their home at a reasonable price. These contractors offer financing through low-interest loans. It's not until after signing numerous forms that too many homeowners realize they have signed off on a high-interest home equity loan, and that the contractor has been hired by unscrupulous lenders to sell loans, not improve

CONSUMER SCAM (Barry Calvagna) aka/ United Abstract Group, Inc. aka/ American Consolidebt, Inc. aka USR Group, Inc. Paystar International aka Conway and Phillips The associates group See Also LINK COMPLAINTS HERE 2387 New York Ave., #8 Huntington Station, NY 11746 Phone: (800) 344-1588 (631) 421-1397 Fax: (631) 421-1397 918 Jericho Turnpike Huntington Station, NY 11746 Phone: 631-421-1533 888-380-3516 866-509-3202 Fax: 631-421-1890 Fax: 631-755-3069 Florida: United Abstract Group, Inc.PO BOX 6812 Spring Hill, FL 34611 (352) 684-8693 (352) 666-0466 fax (866) 684-8693 USR Group, Inc. 33 Walt Whitman Rd, Ste 209 Huntington Station, NY 11746-4281 Web Address: www.unitedabstractgroup.com Quick Analysis Consumer Comments Below We thought this scam died back in the nineties, but it is alive and well, operating from Huntington Station, from New York. Debt buyers United Abstract Group, Inc., are bottom feeders who use their entity of C. Barry & Associates, LLC, who operate out of the same address to lie, intimidate and totally misrepresent their illegal debt collection practices. Owners Barry Calvagna and Anthony Picone are about to feel the wrath of the legal system for their blatant disregard for the law and consumer rights. Not to mention the fact that we could NOT locate one state where they are licensed or bonded in. Calls to their office result

"http://newscenter-springhillgrouphome.blogspot.co.uk/2013/03/speed-help-for-nevadans-homeowners.html   http://springhillgrouphome.com/2013/03/speed-the-help-for-the-nevadans-homeowners/   $200 million from federal government was given to Nevada to avoid homeowners from losing their homes.  Nevada had the highest foreclosure rate in the nation but a Reno Gazette-Journal analysis of the fund distribution confirms that the money was almost intact in the past two years.   Nevada only spent $21 million of the $194 million it was to be paid to homeowners facing foreclosure, this means only 11% of the money it received through the Obama administration's Hardest Hit Fund, this is according to the most recent reports of the analysis of U.S. Treasury the third quarter of 2012   "This is government bureaucracy at its finest," said Victor Joecks, communication director of think tank Nevada Policy Research Institute. "They can't even give away $200 million. This program is a perfect example of why government shouldn't pick winners and losers in the economy."   According to Nevada Hardest Hit officials, just in January, the nonprofit gave $7.2 million in direct aid to help homeowners avoid foreclosure.  A total of $28.4 million was given by the program since it began in mid-2010, which is only 5% of the allocation. More or less 25 % of what they have given out was given out in January.   Mortgage assistance and principal reduction are the two separate components of the state Hardest Hit Fund program that has much given the aid.  75 percent of the budget went to direct aid from July 2011 to June 2012; this is another analysis of yearly financi

"springhill group seoul korea Multiply-Korea`s largest bank reports 3,000 cases of loa... http://springhillgrouphome.multiply.com/journal/item/124/Koreas-largest-bank-reports-3000-cases-of-loan-doc-fraud-    Korea`s largest bank Kookmin has had 3,000 cases of document manipulation in applications for collective loans for intermediate payment. The bank said five people recently filed a petition to police after suffering losses from manipulation of related documents by bank staff, and has launched an investigation into similar cases. According to the Financial Supervisory Service and the bank, Kookmin probed between the end of last month and Aug. 10 manipulation cases on 200,000 collective loans for intermediate payment on 850 reconstruction and redevelopment apartment sites, and discovered more than 3,000 fraud cases. According to the bank`s findings, most cases involved employee manipulation of the expiration date of collective loans for intermediate payment. In the past, three years of maturity have typically been written for collective loans for intermediate payment regardless of when the borrower would move to the house. If the bank`s headquarters reduced the time to 26 or 27 months, however, bank employees would scrape out the number and put in three years again. If the lending period is shorter than the date written in the contract, the borrower would be pressured for repayment. Collective loans for intermediate payment are shifted to lending with home collateral. So a person can move into a house before the lending maturity expires, but failure to move in within the time frame would mean he or she must make the intermediate payment because it is not shifted to a home equity loan. Since the number of manipulation cases was bigger than expected, a massive filing of lawsuits is likely. Fraud was considerable in cases of apartments that people had signed contracts on, an area that has seen many conflicts between builders and banks. A financial regulatory source

"Internet Marketing & SEO Forum - 12 ON YOUR SIDE: Warning about loan offer text message - Springhill Home Loans Group Discussion in 'General Chat' started by Isabella Amber, Today at 9:54 PM. Isabella Amber New Member RICHMOND, VA (WWBT) - Not every text that shows up on your phone is legit. Some messages come with potential danger. 12 On Your Side investigates a text that appears to be from an international financial institution - but it's not. If you get a text directing you to a company promising cash right now, and bad credit is ok, delete the message and spare yourself the trouble. It may not be a scam, but you could wind up paying a lot for a small loan. Mary Presley had suspicions from the start that the text on her cell is a bait-and-hook fraud. It claims to come from Wells Fargo Bank - that's the bait. "Wells Fargo has approved you for a $1000 cash loan wired to your account in 24 hours!" It instructs Presley, who's been looking for a job since she got laid off in December, to apply for the fast cash advance from her mobile phone online at cashin2hrs.com. That's the hook - Presley did not grab. "People have a hard enough time now," said Presley. "If these people that do this kind of thing, would work as hard at a legitimate job, they could be millionaires." When you click on cashin2hrs.com, payday lending options pop up. A long list of short-term loan offers entice people desperate for emergency cash. Filling out the application means giving up personal and banking information. The same text that Presley reported, I forwarded to Wells Fargo Corporate Communications. "That text message is not endorsed by Wells Fargo," said Kristy Marshall. "We do not contact our customers in that form." Also, online payday loans are illegal in Virginia. It's ok to search for a lender online, and even fill out an application, that's all legal - but the deal must be closed face-to-face. These type messages are prevalent and have many different company names and numbers attac

Slide 1 TAGZA: Group of Springhill South Korea: The Laziest Scams in Internet History: Zimbio Slide 2 NEWS ON TAGZA - GROUP OF SPRINGHILL SOUTH KOREA - A certain "Sehwan Jung" in South Korea has been sending a number of desperate requests for funds over Twitter: "I am in urgent need of money. Can you lend me 500,000 dollars?I will make it up to you later." A diabolical plot, indeed, though Mr. Jung's scam is unlikely to work. For one, people can see everything someone sends on Twitter and quickly realize he's sent the exact same message over and over. For another, he is tweeting almost exclusively to celebrities, including Channing Tatum, Rosario Dawson, Carly Simon, journalist Nicholas Kristof (who today sarcastically answered, "Sure!"), and the foreign minister of Bahrain, Sheikh Khalid bin Ahmed Al Khalifa. Slide 3 "Now this one is a real winner," says Dan Ring, a spokesperson for Boston-based data protection company Sophos. "Sehwan Jung's list of celebrities is almost as entertaining and as random as his actual request, and it's one of the more optimistic requests out there. I hope there's no way someone will fall for this." The "Sehwan gambit" joins the following examples as one of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to con you out of: Subject: what are you sale Greetings,My name is JOHN, i am highly interested in buying your{ what you want to sale } from you ,I will like you to give me the FINAL ASKING price and the lastes condition,also i will like you to scan the pics for me for proper verifycation.

Slide 1 TAGZA: Group of Springhill South Korea: The Laziest Scams in Internet History: Zimbio Slide 2 NEWS ON TAGZA - GROUP OF SPRINGHILL SOUTH KOREA - A certain "Sehwan Jung" in South Korea has been sending a number of desperate requests for funds over Twitter: "I am in urgent need of money. Can you lend me 500,000 dollars?I will make it up to you later." A diabolical plot, indeed, though Mr. Jung's scam is unlikely to work. For one, people can see everything someone sends on Twitter and quickly realize he's sent the exact same message over and over. For another, he is tweeting almost exclusively to celebrities, including Channing Tatum, Rosario Dawson, Carly Simon, journalist Nicholas Kristof (who today sarcastically answered, "Sure!"), and the foreign minister of Bahrain, Sheikh Khalid bin Ahmed Al Khalifa. Slide 3 "Now this one is a real winner," says Dan Ring, a spokesperson for Boston-based data protection company Sophos. "Sehwan Jung's list of celebrities is almost as entertaining and as random as his actual request, and it's one of the more optimistic requests out there. I hope there's no way someone will fall for this." The "Sehwan gambit" joins the following examples as one of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to con you out of: Subject: what are you sale Greetings,My name is JOHN, i am highly interested in buying your{ what you want to sale } from you ,I will like you to give me the FINAL ASKING price and the lastes condition,also i will like you to scan the pics for me for proper verifycation. Slide 4 * This scammer doesn't even attempt to establish a personal connection before offering $18 million: Beloved, I am Elizabeth Etters, a Christian.I picked your email randomly for an inheritance of $18M. Please contact me for more details via [redacted]. * One malware attack came in the form of a bogus Christmas card-sent on March 19: Date: 2010-03-19 09:27:15

Slide 3 "Now this one is a real winner," says Dan Ring, a spokesperson for Boston-based data protection company Sophos. "Sehwan Jung's list of celebrities is almost as entertaining and as random as his actual request, and it's one of the more optimistic requests out there. I hope there's no way someone will fall for this." The "Sehwan gambit" joins the following examples as one of the laziest scams in Internet history. * "JOHN" fails to mention what he even wants to con you out of: Subject: what are you sale Greetings,My name is JOHN, i am highly interested in buying your{ what you want to sale } from you ,I will like you to give me the FINAL ASKING price and the lastes condition,also i will like you to scan the pics for me for proper verifycation.

News Center - Springhill Group Home Loans newscentershgh Heating Systems Explained Gas Heating Systems Modern gas central heating systems are safe, controllable and efficient to run but can cause confusion as they have a number of controls that you may not fully understand. Using heating controls properly can:- Improve the comfort of your home Reduce the energy used and your fuel bills Avoid the risk of condensation dampness To get the best out of your system, you should follow the manufacturers instructions. If you have mislaid the instruction booklet for your systems, most manufacturers can provide a replacement. Why have controls on a gas central heating system? For a gas central heating and hot water system to operate efficiently it must be able to be controlled so that heating and hot water are provided at a suitable temperature, when and where you want it. Most systems include:- Boiler (which can be a condensing, condensing combi, conventional or conventional combi model) Hot water tank for systems without a combi boiler Room thermostat Radiators Thermostatic radiator controls Programmer The Boiler A conventional boiler heats up the water which is circulated through radiators to provide heat. The water also circulates through a coil in the hot water tank, which in turn heats up the rest of the water in the cylinder to provide running hot water. If your boiler is a 'combi' boiler then the water is heated instantaneously when the hot water taps are switched on. The thermostat on the boiler controls the temperature of the water circulating around the system. Please refer to the manufacturer's instructions for the optimum setting of the thermostat. Hot Water Tank Most hot water cylinders have a thermostat; this is recommended to be set at 60°C. To retain as much heat as possible the cylinder should have 80mm of insulation. Radiators Radiators are most commonly used in "wet" (uses water) central heating systems. T

By Todd Gilbert Nestled in a valley surrounded by rolling hills and towering peaks reaching 6,000 feet . . . rocky knolls amidst a river of trees that flow through the valley and greet the slopes of the adjacent mountains . . . an Eden amidst the dry, parched chaparral . . . an oasis dense with pines, manzanita and centuries old oak trees that once shaded only the Indians that inhabited the region: "El Valle de los Pinos", as this beautiful mountain valley was known before 1869, describes the abrupt change in scenery that only nature can explain. The surrounding desert terrain compliments the unique valley of over 1,200 acres where cedars and pines flourish amidst lush green meadows of sage and wild lilac. Early settlers of the region included the Cocopah and Coyote Indians and later the Machados family of Old Town who had come to California as pioneers in the late 18th century. For a number of years, Don Manuel Machado and his wife, Serafina Valdes operated a cattle grazing station and lived out of a Adobe house they had built. During the summer, thin and starved longhorn cattle were brought in to fatten up in the rich pastureland. In 1869, former Butterfield Stage coach driver, Captain William S. Emery and his wife settled in the area. Being Scotch-English pioneers from New England, the sound of Spanish words were unpleasant to their ears and, quickly, renamed "El Valle de los Pinos" to its literal translation of Pine Valley. Either way, the valley boasts one of the oldest names in the county. Charles F. Emery, son of Captain Emery, used to tell the story of his father's experiences on the old desert stage route and in dealing with the local Cocopah and Coyote Indians who were constantly running off the cattle he had accumulated. One old Indian, Antonio, told Captain Emery he could show him a beautiful valley in the mountains where there was plenty of grass for cattle where nobody else lived. So the two came on horseback over the Vallecitos trail th

Feb 1, '12 1:07 AM by hannah for everyone By Todd Gilbert Nestled in a valley surrounded by rolling hills and towering peaks reaching 6,000 feet . . . rocky knolls amidst a river of trees that flow through the valley and greet the slopes of the adjacent mountains . . . an Eden amidst the dry, parched chaparral . . . an oasis dense with pines, manzanita and centuries old oak trees that once shaded only the Indians that inhabited the region: "El Valle de los Pinos", as this beautiful mountain valley was known before 1869, describes the abrupt change in scenery that only nature can explain. The surrounding desert terrain compliments the unique valley of over 1,200 acres where cedars and pines flourish amidst lush green meadows of sage and wild lilac. Early settlers of the region included the Cocopah and Coyote Indians and later the Machados family of Old Town who had come to California as pioneers in the late 18th century. For a number of years, Don Manuel Machado and his wife, Serafina Valdes operated a cattle grazing station and lived out of a Adobe house they had built. During the summer, thin and starved longhorn cattle were brought in to fatten up in the rich pastureland. In 1869, former Butterfield Stage coach driver, Captain William S. Emery and his wife settled in the area. Being Scotch-English pioneers from New England, the sound of Spanish words were unpleasant to their ears and, quickly, renamed "El Valle de los Pinos" to its literal translation of Pine Valley. Either way, the valley boasts one of the oldest names in the county. Charles F. Emery, son of Captain Emery, used to tell the story of his father's experiences on the old desert stage route and in dealing with the local Cocopah and Coyote Indians who were constantly running off the cattle he had accumulated. One old Indian, Antonio, told Captain Emery he could show him a beautiful valley in the mountains where there was plenty of grass for cattle where nobody else lived. So the two came on hors

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out mor

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and ho

Whenever scammers and con artists see an opportunity, they seize on it. One fallout from the subprime mortgage crisis of 2008 was that many people found themselves with a mortgage they could no longer afford. When faced with foreclosure, some people become desperate, which sets the stage for swindlers to try to make a buck off of another's misfortune. Mortgage elimination scams are nothing new, but they have reared their ugly heads in recent years. History Before the subprime mortgage crisis of 2008, mortgage elimination scams were popular in the 1980s and early 1990s when farmers in the Midwest were losing their land to the banks. The problem was so great that in 1985, concerts known as "Farm Aid," organized by Willie Nelson, Neil Young and John Mellencamp, began to raise money for farmers. This desperation by farmers made them susceptible to con men who tried to sell them kits to teach them how to use allodial title schemes, put fake liens on their property or claim that the bank never actually made any loans. How the Scams Work Most mortgage elimination scams work the same way, by coming up with untrue and crazy theories about why you don't really owe a mortgage at all and that your mortgage is not legally enforceable, according to Quatloos.com. The scammers find quotes from the Federal Reserve, taken out of context, that your mortgage is somehow illegal in the first place, and therefore, you don't owe any money. Features Once the homeowner decides that these schemes may actually work, he goes to the local courthouse and files a bogus claim. An "allodial title" is one, whereby the homeowner makes the argument that it is illegal to foreclose because of a concept that exists in some systems of property law, whereby property cannot be taken for any reason. The fallacy of this argument is there is no allodial title in the U.S. And, even if there was, an allodial title cannot be mortgaged in the first place. The courts view this as a frivolous claim. The s

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to get th

Titanic - James Cameron's subversive masterpiece    How a Hollywood bord

ST. PETER'S CHURCH HIT BY EXPLOSION March 31, 1936: Dozens of windows were shattered in surrounding buildings and a number of persons were knocked off their feet by a terrific blast in the boiler room of St. Peter church. Firemen think gas accumulated in the flue, ignited and exploded. No damage was done to the furnace and boiler. Carl Schrattenberger, engineer, who was firing the boiler at the time, escaped without injury. He was hurled 15 feet. Persons in the vicinity said a huge cloud of smoke rolled out of the chimney. The force of the blast was felt up to six blocks away. 1964: Representatives of city employees' unions said the proposed $338,000 increase in the city's pay plan was not enough. The unions recommended, instead, an increase of at least 10 percent. The proposal sent to the Personnel Board by Personnel Director Ernest W. Howard called for an annual increase of about 5 percent. It would give raises to about 80 percent of the city's 1,700 employees. 1987: People wanting to establish a day shelter for the homeless would be required to obtain a city permit under a proposal to be reviewed by the City Planning Board. The board also would consider a redevelopment plan for the Lackawanna leather-processing plant a 2420 Z St. The plan called for the city to provide a $250,000 tax-increment loan to help expand the plant. The homeless shelter permit proposal came from City Councilman Walt Calinger. He said the city needed to have some controls over the establishment of shelters. 1996: The gypsy-moth spraying in the previous May that cost the City of Bellevue $15,000 seemed to have taken care of the moth infestation. Only one male moth was found in traps set during the summer. "We're looking real good there," said Stephen Johnson, an entomologist with the Nebraska Department of Agriculture. Johnson said that if traps laid out for the next two years didn't contain any moths, the problem would be considered solved.

ST. PETER'S CHURCH HIT BY EXPLOSION March 31, 1936: Dozens of windows were shattered in surrounding buildings and a number of persons were knocked off their feet by a terrific blast in the boiler room of St. Peter church. Firemen think gas accumulated in the flue, ignited and exploded. No damage was done to the furnace and boiler. Carl Schrattenberger, engineer, who was firing the boiler at the time, escaped without injury. He was hurled 15 feet. Persons in the vicinity said a huge cloud of smoke rolled out of the chimney. The force of the blast was felt up to six blocks away. 1964: Representatives of city employees' unions said the proposed $338,000 increase in the city's pay plan was not enough. The unions recommended, instead, an increase of at least 10 percent. The proposal sent to the Personnel Board by Personnel Director Ernest W. Howard called for an annual increase of about 5 percent. It would give raises to about 80 percent of the city's 1,700 employees. 1987: People wanting to establish a day shelter for the homeless would be required to obtain a city permit under a proposal to be reviewed by the City Planning Board. The board also would consider a redevelopment plan for the Lackawanna leather-processing plant a 2420 Z St. The plan called for the city to provide a $250,000 tax-increment loan to help expand the plant. The homeless shelter permit proposal came from City Councilman Walt Calinger. He said the city needed to have some controls over the establishment of shelters. 1996: The gypsy-moth spraying in the previous May that cost the City of Bellevue $15,000 seemed to have taken care of the moth infestation. Only one male moth was found in traps set during the summer. "We're looking real good there," said Stephen Johnson, an entomologist with the Nebraska Department of Agriculture. Johnson said that if traps laid out for the next two years didn't contain any moths, the problem would

Apple's reputation for protecting big-time developers has suffered yet another rap as a fake Pokemon game that does not even work was approved for sale on their App Store and even managed to rank 2nd on the iTunes charts. Considering the developer's description of the app as 'just like the original' as opposed to the terrible user ratings, the whole thing is simply a scam. The Pokemon Yellow app first appeared in the App Store of iOS this weekend and tons of users quickly jumped at the thought that Nintendo finally joined in the app sector, never mind that the developer name under the app is a certain 'House of Anime'. Soon enough, people who bought the 99-cent app ended up disappointed as they discovered the game does not work because it's just an unauthorized copy. The developer, Daniel Burford aka House of Anime, also authored other questionable apps like YuGiOh+ and Digimon+. In his entries, he is claiming that 'all copyrights and trademarks are owned by their respective owners', obviously taking intellectual property rights lightly.   And most of the people who downloaded the game does not even know the it's not official, which just shows how popular the Pokemon franchise is even after 10 years of being in the market and its first appearance in the Game Boy. User reviews that rated the app with just one star and commented that the game does not do anything except display the title screen. And according to further reports from victims, it crashes on practically every device. It won't be surprising if the game's code only contains a bit of user interface to show that splash screen. The scam has put into the spotlight Apple's current approval procedures and guidelines that app developers always deem as mysterious and strict. Since a fake game passed their app review, Apple's policy is not so thorough after all. They do not seem to perform any kind of legal or technical check prior to putting an app for sale on their iTunes Whil

http://newscenter.springhillgrouphome.com/2012/03/springhill-group-home-fake-pokemon-games-top-app-store/ Apple's reputation for protecting big-time developers has suffered yet another rap as a fake Pokemon game that does not even work was approved for sale on their App Store and even managed to rank 2nd on the iTunes charts. Considering the developer's description of the app as 'just like the original' as opposed to the terrible user ratings, the whole thing is simply a scam. The Pokemon Yellow app first appeared in the App Store of iOS this weekend and tons of users quickly jumped at the thought that Nintendo finally joined in the app sector, never mind that the developer name under the app is a certain 'House of Anime'. Soon enough, people who bought the 99-cent app ended up disappointed as they discovered the game does not work because it's just an unauthorized copy. The developer, Daniel Burford aka House of Anime, also authored other questionable apps like YuGiOh+ and Digimon+. In his entries, he is claiming that 'all copyrights and trademarks are owned by their respective owners', obviously taking intellectual property rights lightly. And most of the people who downloaded the game does not even know the it's not official, which just shows how popular the Pokemon franchise is even after 10 years of being in the market and its first appearance in the Game Boy. User reviews that rated the app with just one star and commented that the game does not do anything except display the title screen. And according to further reports from victims, it crashes on practically every device. It won't be surprising if the game's code only contains a bit of user interface to show that splash screen. The scam has put into the spotlight Apple's current approval procedures and guidelines that app developers always deem as mysterious