Wednesday, May 14, 2014

Senior EPA Official Steals Millions from Taxpayers


By Dr. Mercola
Have you ever awakened in the morning dreading another monotonous day at a job that you hate? Have you ever fantasized about faking a sudden illness, taking a personal day—or how about a personal year?
Maybe book a flight to Bermuda and spend a few months eating pineapple and getting massages on the beach? Or perhaps better yet, tell your boss you're a CIA spook on a top-secret mission, so you won't be showing up at the office for some indeterminate length of time.
Chances are, these are just idle fantasies that you quickly snap out of as you blink your way back into reality... unless, of course, you work for the US Government where you might just get away with it.

EPA Hoodwinked by Its Highest Paid Climate Specialist

Senior policy advisor John C. Beale of the Environmental Protection Agency's Office of Air and Radiation pulled off a million dollar con in which he found a fix for his career doldrums by convincing his bosses that he was a top-secret CIA operative.
This required him to be out of the office for extended periods of time—claiming to be traveling the globe on clandestine missions in the interest of homeland security.
Yes, this EPA official was vicariously acting out some sort of James Bond fantasy instead of going to work—and getting paid for it.1 He occupied his time taking lavish vacations on the government's dime.
Beale took 33 airplane trips between 2003 and 2011, costing the government $266,190. On 70 percent of those, he traveled first class and stayed in five-star hotels, traveled by limo, and charged more than twice the government's allowed per diem limit.
Between vacations, he would just putter around his Northern Virginia home doing pretty much nothing at all—and certainly not working. Beale told one shameless lie after another.
For example, in order to be granted a handicap parking space, he claimed to have contracted malaria in Vietnam. However, not only did he never have malaria, he never served in Vietnam!2 How long would you guess he got away with this fraudulent scheme—a month? A year? Try two decades!

Justice, After a 20 Year Long Con...

For well over 10 years and possibly closer to 20, Beale was able to collect his salary—as well as his regular bonuses—while performing almost no work, bilking the government out of close to a million dollars.
Court documents trace his fabrications back through 2000, but additional evidence suggests he may have been lying and manipulating as far back as 1989.
The man was no slouch. A graduate of NYU and Princeton, Beale was making $206,000 a year, making him the highest paid official at the EPA—including the administrator. Pulling off such an elaborate scheme on such a massive scale is quite complicated and requires the skills of a master con. As Michelle Cottle writes in the Daily Beast:3
"You gotta admit: As crackpot lies go, Beale's spy cover was a stroke of genius. Whenever someone grew suspicious about his work activities (or lack thereof),
Beale could simply whip out the national security card: I'd love to tell you why I haven't been at work the past six months, but then I'd have to kill you."
Once caught, Beale admitted to his elaborate deception and on December 18, 2013, was sentenced to 32 months in federal prison and payment of nearly 1.4 million dollars restitution.4
But why did it take more than a decade for the EPA to realize their highest paid climate specialist was not really a CIA agent—in fact, he had no relationship with the CIA at all, not even a security clearance. How did such an elaborate scheme ever escape notice?

Beale Is 'A Poster Child for What's Wrong with the Government'

Two new reports by the EPA Inspector General's office concluded that the agency "enabled" Beale by failing to verify any of his phony cover stories, and failed to check out hundreds of thousands of dollars him in undeserved bonuses and travel expenses.
Inspector General Arthur Elkins said Beale was able to get away with it due to "an absence of basic internal controls at the EPA."2 Prosecutor Jim Smith said Beale's crimes made him a "poster child for what is wrong with government," a statement prompting immediate investigations by two congressional committees into the EPA, including EPA administrator Gina McCarthy, who was Beale's immediate boss.
This was not the first EPA scandal of 2013. EPA official Robert Brenner was scrutinized for accepting an $8,000 discount on a luxury car arranged by a lobbyist. And in the wake of the Beale scandal, another high-level EPA official is under scrutiny for allegedly approving expenses for Beale—an official also under the direction of Gina McCarthy.
Evidence suggests EPA knew as early as 2010 that Beale's story was false, yet did not take action. Congressman Darrell Issa said these EPA cases "raise serious questions about McCarthy's capabilities as a manager and leader."5 This problem, unfortunately, is much larger than one government official or agency. The Beale scandal is just one more example of waste, fraud, and general corruption within the US government.

Government Can't Manage Taxpayer Dollars—Much Less Protect Your Environment

The EPA cannot keep your money safe, much less make the environment safe. Some of the EPA's high-level employees have come from the same companies the EPA is supposed to regulate—they've become a revolving door for industry. The two largest private sector sources for EPA positions are Monsanto and Waste Management Inc. Since 1970, at least 12 high-level EPA employees have come from one of these two companies, including William Ruckelshaus, Linda Fisher, and Lidia Watrud.6, 7
EPA also has a history of being caught in money laundering schemes. Take, for example, former EPA project manager Gordon McDonald who was convicted in 2009 for rigging bids, accepting kickbacks totaling 1.5 million dollars, and funneling big payoffs to insiders via an EPA "superfund" in New Jersey.8, 9
And you may recall the EPA "warehouse" scandal in Landover earlier in 2013. An EPA warehouse had been converted into a swanky man-cave housing a sizeable athletic center, complete with cushy furniture and televisions and a nicely stocked fridge. All of this was, of course, carefully hidden from security cameras by partitions and piles of strategically stacked boxes.10
Even more disturbing is the fact that EPA doles out hundreds of millions of dollars per year to certain organizations of their choice with no accountability, according to the Government Accountability Office (GAO). Sometimes these funds are directed to organizations for non-environmental purposes.11 Other branches of government are even more irresponsible—including the Pentagon itself. As written in this Reuters Special Report:12
"The Pentagon is the only federal agency that has not complied with a law that requires annual audits of all government departments. That means that the $8.5 trillion in taxpayer money doled out by Congress to the Pentagon since 1996, the first year it was supposed to be audited, has never been accounted for. That sum exceeds the value of China's economic output last year."

Another Massive Source of Waste: Medicare Fraud

The US healthcare system is one of the largest sources of waste. Thirty cents of every healthcare dollar is wasted, adding up to $750 billion annually. Healthcare waste is a result of unnecessary services, inefficient delivery of care, excess administrative costs, inflated prices, prevention failures, and fraud—especially within Medicare and disability programs. Seniors make perfect targets for fraud and abuse.
The Federal Disability Insurance Program has a $135-billion budget and serves close to 12 million people, but its funds are in danger of running out. The Senate Subcommittee for Investigations believes the program is being abused—by lawyers, doctors and even some recipients—putting the benefits for those who truly need them at risk.
According to the Senate investigation, up to 25 percent of disability files should not have been approved and another 20 percent are highly questionable. Some recipients are using disability benefits as a financial bridge after their unemployment benefits run out, which is easy to do since so many Americans have chronic conditions or impairments.

The Biggest Defrauder of the Government Is the Drug Industry

Many drug companies are repeatedly found guilty of fraud, cover-ups of fatal side effects, paying huge kickbacks to doctors, and manipulating scientific research. The worst of the worst are GlaxoSmithKline, Pfizer, Eli Lilly, and Schering-Plough. These four companies accounted for 53 percent of all financial penalties imposed on pharmaceutical companies between 1990 and 2010.
Between 2009 and 2012, criminal and civil penalties have totaled $18 billion. GlaxoSmithKline tops the list of repeat offenders with penalties since 1991 totaling $7.56 billion.13 Recently, GlaxoSmithKline pleaded guilty in the largest health fraud settlement in US history. The company was fined $3 billion to resolve criminal and civil liability charges related to illegal drug marketing and withholding information about health hazards associated with its diabetes drug Avandia.
Many drug companies are now being investigated for using bribes to boost sales outside the US as well. For example, in August 2012, Pfizer, the world's largest drug maker, paid $60.2 million in fines to settle charges that the company had bribed an assortment of government health officials in China, Russia, Italy, Bulgaria, Croatia, Serbia, and Kazakhstan. Are these the folks to whom you wish to entrust your health? These corporations are some of the biggest goons on the planet.

The Drug Industry as 'Organized Crime'

The unfortunate thing is, whether you're talking about Big Pharma, Big Ag, or Big Banks, the US government has been "bought" by industry thugs. Despite stiffer financial penalties, criminal activity has increased dramatically over the past several years, indicating that criminal prosecution of company leadership may be needed to quell unlawful behavior by the drug industry. Due to the astronomical profits made by these companies, there appears to be no fine large enough to make a difference—even hundreds of millions of dollars!
The size of the penalty must outweigh the size of the gain from breaking the law, and thus far, this has not been the case. In fact, it appears that for some drug companies, commission of such criminal and civil violations has become part of their business model. As an article in The British Medical Journal concludes:13
"Are criminal and civil penalties of hundreds of millions of dollars an important deterrent to law breaking by international drug companies? We are forced to conclude that neither the current level of penalties nor corporate integrity agreements are effective and that there is a pathological lack of corporate integrity in many drug companies."

Take Control of Your Own Health

Ultimately, the take-home message here is that you have to take responsibility for your own welfare, and that of your environment. You cannot entrust your health to the government, in the hopes that someone else will make the appropriate decisions based on what's right and true, opposed to taking the opportunity to make a buck at your expense.
When it comes to your health, an ounce of prevention is certainly better than a pound of cure, especially when the cure comes in a pill. Please keep in mind that leading a common-sense, healthy lifestyle is your best bet to achieve and maintain a healthy body and mind. And while conventional medical science may flip-flop back and forth in its recommendations, there are certain basic tenets of optimal health (and healthy weight) that do not change, including the following:
  1. Proper Food Choices: For a comprehensive guide on which foods to eat and which to avoid, see my nutrition plan. Generally speaking, you should be looking to focus your diet on whole, ideally organic, unprocessed foods. For the best nutrition and health benefits, you will want to eat a good portion of your food raw.
  2. Avoid sugar, and fructose in particular. All forms of sugar have toxic effects when consumed in excess, and drive multiple disease processes in your body, not the least of which is insulin resistance, a major cause of chronic disease and accelerated aging. I believe the two primary keys for successful weight management are severely restricting carbohydrates (sugars, fructose, and grains) in your diet, and increasing healthy fat consumption. This will optimize insulin and leptin levels, which is key for maintaining a healthy weight and optimal health.
  3. Regular exercise: Even if you're eating the healthiest diet in the world, you still need to exercise to reach the highest levels of health, and you need to be exercising effectively, which means including high-intensity activities into your rotation. High-intensity interval-type training boosts human growth hormone (HGH) production, which is essential for optimal health, strength and vigor. HGH also helps boost weight loss.
  4. So along with core-strengthening exercises, strength training, and stretching, I highly recommend that twice a week you do Peak Fitness exercises, which raise your heart rate up to your anaerobic threshold for 20 to 30 seconds, followed by a 90-second recovery period.
  5. Stress Reduction: You cannot be optimally healthy if you avoid addressing the emotional component of your health and longevity, as your emotional state plays a role in nearly every physical disease -- from heart disease and depression, to arthritis and cancer. Meditation, prayer, social support, and exercise are all viable options that can help you maintain emotional and mental equilibrium. I also strongly believe in using simple tools such as the Emotional Freedom Technique (EFT) to address deeper, oftentimes hidden, emotional problems.
  6. Drink plenty of clean water
  7. Maintain a healthy gut: About 80 percent of your immune system resides in your gut, and research is stacking up showing that probiotics—beneficial bacteria—affect your health in a myriad of ways; it can even influence your ability to lose weight. A healthy diet is the ideal way to maintain a healthy gut, and regularly consuming traditionally fermented foods is the easiest, most cost effective way to ensure optimal gut flora.
  8. Optimize your vitamin D levels: Research has shown that increasing your vitamin D levels can reduce your risk of death from ALL causes. For practical guidelines on how to use natural sun exposure to optimize your vitamin D benefits, please see my previous article on how to determine if enough UVB is able to penetrate the atmosphere to allow for vitamin D production in your skin.
  9. Avoid as many chemicals, toxins, and pollutants as possible: This includes tossing out your toxic household cleaners, soaps, personal hygiene products, air fresheners, bug sprays, lawn pesticides, and insecticides, just to name a few, and replacing them with non-toxic alternatives.
  10. Get plenty of high-quality sleep: Regularly catching only a few hours of sleep can hinder metabolism and hormone production in a way that is similar to the effects of aging and the early stages of diabetes. Chronic sleep loss may speed the onset or increase the severity of age-related conditions such as type 2 diabetes, high blood pressure, obesity, and memory loss.

Anwar suffers minor injury in car accident, Wan Azizah unhurt

DAnwar is all smiles again after receiving treatment and having his right arm put in a sling due to the fracture. – May 13, 2014.atuk Seri Anwar Ibrahim and wife Datin Seri Wan Azizah Wan Ismail were involved in a minor car accident in Desa Sri Hartamas at about 10pm tonight.
According to PKR communication director Fahmi Fadzil, Anwar sustained a minor injury near his shoulder, at the base of the humerus, while PKR president Wan Azizah escaped unhurt.
They were immediately sent to Damansara Specialist Hospital in Damansara Utama, Petaling Jaya, where they received outpatient treatment at the hospital's accident and emergency ward.
PKR secretary-general Saifuddin Nasution was also seen at the hospital but it is not known if he was travelling with the couple earlier.
Both Anwar and Wan Azizah have been discharged from the hospital and have returned home safely. – May 13, 2014.

Anwar suffers minor injury in car accident, Wan Azizah unhurt

4 more Terengganu reps might quit Umno, says PAS

Four more Umno Terengganu assemblymen‎ are expected to quit the party, following in the footsteps of former menteri besar Datuk Seri Ahmad Said, as rumours swirled that Barisan Nasional was seeking an audience with the Sultan of Terengganu to dissolve the assembly.
PAS Terengganu election director Ariffin Deraman said it heard that four more Umno representatives would follow Ahmad.
“He has seven representatives who are loyal to him," Ariffin, who is the Alor Limbat assemblyman, told The Malaysian Insider.
Last night, Seberang Takir assemblyman Datuk Ahmad Razif Abdul Rahman was sworn in as the new ment‎eri besar before the Sultan of Terengganu, but six Umno state representatives, including Ahmad, were absent from the ceremony.
Three state representatives then resigned from Umno and are staying on as independent assemblymen: Ahmad, Roslee Daud of Bukit Besi and Ajil assemblyman Ghazali Taib.
The resignations left the new Terengganu menteri besar and BN without a majority in the legislative assembly.
BN now holds 14 seats in the 32-seat state assembly as opposed to Pakatan Rakyat's 15.
Ariffin said PAS had learnt that BN was trying to dissolve the state assembly and meet the sultan.
"I understand that Umno is working to dissolve the state assembly to allow state elections to be held again, but I would prefer a change of government like what happened to Perak," he said before attending PAS Terengganu Dewan Harian's emergency meeting this morning.
The Dewan Harian‎ is the most senior body in PAS Terengganu and is chaired by PAS Terengganu commissioner Saiful Bahri, along with three deputy commissioners, Ulama council chief, the Youth and Women's wings, the secretary, treasurer, information chief and election director.
Ariffin said the public may be unhappy with fresh elections, given that the general election was held only last year.
The Pakatan Rakyat-led Perak government fell in 2008 after one PKR and one DAP state representative defected to become BN-friendly independents.
The Sultan of Perak, who is also the former chief justice, appointed Datuk Seri Dr Zambry Abdul Kadir as the Perak menteri besar on February 2009, after receiving the support of 27 Umno assemblymen, one MCA and three independents.
"It is simpler to have a change of government than fresh state elections," said Ariffin, adding that this was ‎acting on the presumption that Ahmad Said and his supporters agreed to cooperate with Pakatan.
PAS had ruled Terengganu twice, but both stints were brief, with the first government lasting only a few months, while the second, under the leadership of PAS president Datuk Seri Abdul Hadi Awang, lasted only a term.
Besides Satiful, Hadi's name is being touted as a replacement for the menteri besar’s post should Pakatan Rakyat take over the state government.
Ahmad Said signed the resignation letter stipulating that he step down a year after ‎his reappointment as menteri besar for a second term.
But Ahmad Said requested that his term be extended until after his child's wedding on Saturday.
But reports say that Prime Minister Datuk Seri Najib Razak refused to budge on the grounds that the reasons were personal. – May 13, 2014.

Russian Dilemma: Why EU Sanctions are a Bluff

By Christoph Schult, Jörg Schindler and Ralf Neukirch
Tension over sanctions: European leaders at a round table meeting during an EU summit in Brussels on Thursday, March 20, 2014.
AP/dpa
Tension over sanctions: European leaders at a round table meeting during an EU summit in Brussels on Thursday, March 20, 2014.
While the EU currently shows a united front on possible economic penalties against Russia for its interference in Ukraine, that could change once more serious sanctions are on the table. Germany is struggling to maintain the facade. 
European Union politicians don't like to be outdone when it comes to showing resolve. Last week, French Foreign Minister Laurent Fabius said that if the Russians continue acting like they have, then tough new sanctions will need to be imposed. His British colleague William Hague said that economic sanctions were being planned. German Chancellor Angela Merkel threatened last Thursday that if there were problems surrounding the Ukrainian elections, "there would be further sanctions."
These strong words are the West's answer to Moscow's expansionist push. More than any other measure, it's the possible so-called third level of sanctions -- wide-ranging economic sanctions -- that are intended to make Putin back down. Because Europeans have ruled out the use of military means, these sanctions are the most powerful weapon that they have -- the diplomatic nuclear option in the battle over Ukraine's future.
But there's one problem with this weapon: It can only be used if all EU members agree. In the EU, sanctions need to be decided unanimously. This worked for levels one and two, because they were primarily symbolic acts that affected people close to Putin and imposed no real burden on the EU. But level three would be different, making it unlikely that the EU would agree on sanctions that would have a strong effect Russia. Europe's strongest weapon is actually a bluff.
Hawks vs. Doves
In her talk with Sigmar Gabriel, vice chancellor and head of the center-left Social Democrats, last Tuesday, Merkel reported that during consultations about sanctions many EU partners are most interested in talking about how to secure exceptions for their own economies. Others are trying to avoid the subject entirely.
But there's a lot to discuss. On one side, there are the states taking a hardline position -- this includes most Eastern European countries and Great Britain -- who would rather implement sharp sanctions now instead of later. On the other side there are the more cautious countries, like the Benelux states, which are betting on diplomacy, or, like all of Southern Europe, are afraid of the economic costs a trade boycott could bring.
The French and the Germans are taking a middle position: They don't want sanctions, but will support them if Putin continues to destabilize Ukraine. Germany, in particular, is betting on financial sanctions, which would mean using the European Investment Bank (EIB) and the European Bank for Reconstruction and Development to exert pressure on Moscow. At the EIB there's a list of projects that would be put on ice if sanctions were expanded.
Countries like Great Britain or Cyprus are strictly against this, because it would also have an effect on their own financial sectors, and are arguing, instead, for an energy boycott. However, this faces strong resistance from Eastern European countries, like Bulgaria or Slovakia, who depend almost entirely on Russia for gas.
Genuine economic sanctions would clearly be expensive for the Europeans. According to a confidential report by the European Commission, Germany would have to reckon with a loss of 0.9 percent in growth this year, and 0.3 percent next year. The situation looks even direr in other countries.
Sanctions May Not Work Anyways
Many governments are also skeptical that the sanctions could actually get Putin to back down. In German security policy circles, that outcome is considered almost impossible. The thumbscrews the West has thus far implemented "haven't instilled much fear" in Putin and his associates, one security official argued. Russia has little foreign debt and large currency reserves, giving it a transitional period of at least two years -- enough time to find new buyers and distribution routes for Russian gas. "We'll be sitting in the cold before the Russians run out of money," says one security official.
Putin's determination to secure his influence over eastern Ukraine is also related to the region's importance to the Russian armaments industry. The Russian army's airplane motors, gear boxes and rocket equipment are, according to Western knowledge, in large part built in eastern Ukraine. That's why the Kremlin has also, according to the security official, planned painful economic sanctions of its own. "If the Russian leadership sees itself as strong, even if we don't see it that way, then it will also act strong -- and at the moment it feels very strong."
Although the 28 EU member states try hard to project a sense of unity to the outside world, their differences in opinion make themselves felt in internal meetings. Merkel is afraid that, in the end, the Union's disunity could spill into the open and Putin would have accomplished one of his important goals, dividing the Europeans.
Looking for Ways to Avoid the Issue
That's another reason why the German government wants to avoid, at all cost, a situation in which sanctions are unavoidable. Foreign Minister Frank-Walter Steinmeier has pointed out that Moscow has recently stopped questioning the legitimacy of the Ukrainian presidential elections, which are planned for May 25. The German government is grasping for these kinds of signals, because they may serve as a reason not to implement the third level of sanctions. Before concrete steps can be defined, the EU also needs to discuss when the third level should even be implemented -- a way to skirt the delicate situation. "Clearly there will be economic sanctions if Putin sabotages the vote," says a high-ranking government official. "But it's unclear what would constitute sabotage."
One way to at least defer the debate around sanctions would be to push the Ukrainians to delay the vote. But the German government does not want that at all, because it would seem like a capitulation to Putin. "A delay isn't in our script," Markus Ederer, a state secretary in Steinmeier's Foreign Ministry, stated last Wednesday during a session of the German parliament's foreign affairs committee.

Think you will own your house someday? Think again. How to check your chain of title … Video

You better find out now!

Imagine pulling up to your driveway with your kids laughing in the backseat, having come home from a baseball game, to see a foreclosure notice tacked on your front door. Maybe all of your belongings have been tossed out onto the street. You are in shock. It doesn’t make sense. There must be a mistake. Why is the bank taking your house? Your home was your security, your retirement. It was the American dream. You had played by the rules. It’s where your children have been growing up. Their smiling faces hang in the beautifully framed photographs on your hallway walls and are carefully placed on your fireplace mantle. Now, incredibly, suddenly, without warning, your entire world has been ripped apart, shattered.
Despite having never missed a mortgage payment and even paying early, the bank is coming to take away your home. They are coming to throw you out onto the street. Panic, disbelief—a tidal wave of emotions nearly knock you over as your heart beats faster and faster. The walls start closing in around you. You cannot breathe. The clock is ticking. Why is the bank coming to take away your house? You did everything you were told to do. Where will your children sleep in a few weeks from now?
Think this can’t be you? Oh no, think again. This nightmare has been occurring across the country for years. As the Wall Street Journal’s Alan Zibel reported, bank files show that more foreclosure errors are happening than regulators have reported to the public.
As previously exclusively reported, this fate could be awaiting millions of more Americans because of a bankruptcy that is happening right now in Judge Martin Glenn’s U. S. Bankruptcy Court, in the Southern District of New York where 51 residential mortgage companies have simultaneously gone bankrupt.
Do you even know about it? You should know. Is your house “owned” by any of these bankrupt companies? Does GMAC, Homecoming Financial, Residential Asset Loan Inc. (RALI) or Fannie or Freddie ring a bell? If so, you better pay close attention because your “homeownership” fate could lie in the hands of one man, Judge Glenn.
With a stroke of his pen and a bankruptcy court order any chance of obtaining the deed to your home could be gone forever. If you find out later that you have a problem with the most important document that affects your legal, financial and property rights—your chain of title, sorry. Tough luck. Your legal options are gone forever. If you think you will be able to seek justice and get your day in court, you can forget about that too.
Did you know that the deal is almost sealed? Once the blessed-by-the-court bankruptcy is completed, legal eyes will never get the chance to look at the documents of millions of American homeowners again. It’s called bankruptcy 101.
And, even better for them—yes, them, the money changers, the big banks, the money lenders and the supposed heroes of this great caper—currently starring Warren Buffett’s Berkshire Hathaway and Ocwen, is that it might take “homeowners” years, even decades, to notice that they will never own their homes.

Imagine paying off your mortgage or trying to sell your home only to discover that there are more “creditors” with claims on your property and you can’t get a clean chain of title. They call that “cloudy.” Buffett and Ocwen will wildly benefit in this New York bankruptcy according to the second amended Joint Chapter 11 Plan by purchasing over $400 billion worth of mortgages and RMBS trusts for less than $5 billion.
On the flip side, you might not have to wait very long to feel like your house was hit by a tornado. The bank could come for your house tomorrow. Are you willing to roll the dice and hope that your home is not involved in this bankruptcy?
How about your parent’s house, your adult kids, your second cousin—twice removed, or your best friend’s house? Maybe it’s one of your family members who might lose their house. This could be like the Kevin Bacon movie, Six Degrees of Separation. Remember that flick? If it is not your house, it could be your neighbor’s house or the guy up the street. And you know how your house price depends on the houses around you, right? Are you still going to roll the dice?
The biggest bankruptcy in history, bigger than General Motors, to the tune of over $400 billion according to court records that affects over six million Americans is happening right now.
And if you don’t know what’s going on in this New York bankruptcy courtroom that’s just fine with them. As they seal the latest bankruptcy deal, any mortgage fraud that occurred in this case and contributed to the 2008 economic crisis will never be revealed.
If you bought, refinanced or have taken out a second mortgage on your house in approximately the last 20 years, sorry to be the bearer of bad news, but it could be your house next.


As the New York Times Elizabeth Lynch reported, despite the federal government and 49 state attorneys generals $25 billion deal they reached with America’s five largest mortgage servicers — Bank of America, JPMorgan, Chase, Wells Fargo, Citibank and Ally Financial (formerly GMAC-now bankrupt), promising to help save homeowners from “unnecessary foreclosure and to settle claims of abuses, including bungled loan modifications and the wrongful evictions of borrowers, who were either current on their payments or making reduced monthly payments,” the problems are still not fixed. Innocent homeowners continue to be hurt.
Why are they still getting hurt? Have you checked the fine print on your mortgage documents? Are you sure your chain of title is intact?
According to a 140 year old U.S. Supreme Court ruling, Carpenter v. Longan, “The note and mortgage are inseparable.” “The former as essential, the latter as an incident.” “An assignment of the note carries the mortgage with it, while assignment of the latter alone is a nullity.”
A nullity is an act or a thing that is legally void. It has no importance or worth.
That Supreme Court ruling was recently upheld in Jane McCarthy v. Bank of America, NA, BAC Home Loans Servicing, L.P. and Federal Home Loan Mortgage Corporation.
Wait, there is more. Is your house with Mortgage Electronic Registration Systems, Inc. (MERS)? If so, you better check and be quick about it. MERS might have electronically separated your chain of title and broken it. If that’s the case, you could have a very big problem.
Here’s why. In McCarthy v. Bank of America, Judge McBryde ruled that MERS has “no rights to transfer promissory notes in the State of Texas and that neither organization is and cannot be a beneficiary or a nominee of any mortgages.”
What if your lender—one of the 51 bankrupt residential mortgage companies in this New York bankruptcy was with MERS?
Mortgage fraud affects the entire U.S. economy and beyond. It is blind to political parties, religious beliefs or non-beliefs and skin color. Whether you are a famous Hollywood celebrity, like some of my pals from my Los Angeles, The Kid Stays in the Picture days, any of my media colleagues from the presidential campaign trails, the United Nations, and other stories and investigations or Joe America; if you live somewhere, mortgage fraud affects you, your families and your friends.
Get all your mortgage documents together now, and go through the 29 steps in the checklist to see whether or not your chain of title and your home is secure. The evidence does not lie.
You have been warned.
Mortgage checklist: 29 steps to check your mortgage.
Updated
Ocwen in action. Special thanks to Jack at msfraud.org.


Local Protesters Are Killing Big Oil and Mining Projects Worldwide

Source: Motherboard


Oil companies have destroyed and polluted some of Ecuador's Amazon rainforest. Image: Jason Koebler
Multinational corporations are infamous for pushing native people off their land in order to open a new gold mine, extract oil, or otherwise extract local resources. For decades, backlash has been thought to be both limited and ineffectual, but new evidence suggests that protests from local people are effective, extremely costly for the companies, and often lead to substantive changes to or total abandonment of a project.
Researchers at the Centre for Social Responsibility in Mining interviewed employees at several dozen major international corporations who are involved with extractive activities, and found that companies are increasingly having to deal with the social and environmental impacts of their work, and that it’s hurting them where it hurts most: their bottom lines.
The researchers, led by Daniel Franks, took a look at 50 planned major extractive projects (oil drilling, new mine construction, that sort of thing) and found that in fully half of them, local people launched some sort of “project blockade.” In 40 percent of the projects, someone died as a result of a physical protest, and 15 of the projects were suspended or abandoned altogether, according to Franks' study, published in Proceedings of the National Academy of Sciences.
“There is a popular misconception that local communities are powerless in the face of large corporations and governments,” Franks said in a statement. “Our findings show that community mobilization can be very effective at raising the costs to companies.”

The number of projects in the study sample affected by local action. Image: PNAS
The reason these projects, such as the Minas Conga gold mine in northern Peru and Lanjigarh bauxite mining project in Orissa, India, were abandoned wasn’t borne out of some sense of social responsibility to not pollute the environment or to not push people off their land. It was because the protests and resulting government backlash was so great that it became financially unviable to move forward.

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