The Whole Country is Running Amok!



You know that just thinking bad things about Obama landed people in jail, and I don’t know anyone who liked or voted for him. In fact, he should be in jail for numerous items he did.


Trump on the other hand I voted for and like, and know many, that if they did not like him in the beginning, saw he was not full of shit, and came his way.

Yet, people are always threatening, and in fact, trying to kill Trump, and even saying it publicly does not cause them to land in jail.

Personally, the likes of Madonna saying that she had been thinking “a lot lately about blowing up the white house”, the bitch should have been locked up.

Maxine Waters and Nancy Pelosi should be there with the bitch, and Clinton should have been there back before the elections.

Since when, do people trying to get people to murder anyone not go to jail?  Dumb question, how many are on the Clinton’s list of dead bodies?


Especially when it is the US President they are trying to get murdered?

Same thing with riots? 

Since when does attempting to incite riots not an arrest-able offense?

The whole country is running amok with would be communists, at one time people like that were taken care of one way or another.

Yet, today, we have fewer rights than we have ever had.

We have a news media that all of them should be fired and put on public display handcuffed and shackled. Can’t believe a word out of their mouths.

We have alternative news sites being yanked off the internet, and social media idiots going from one side to other, scared they are going to lose their riches.

Then there are these ANTIFA screwballs.

They hide who they are, go out and commit crimes, and the cops stand there with their sticks in their hands jerking off.

Hell, I remember the riots of the 60s when the cops came, they told you to leave.

If the kids did not leave they would go to clubbing the whole lot of them.
Sometimes, they were shot at. They did not care race or gender, they would bat you down.

Then there are these idiots that are trying to tell kids that there are many different genders, and if they want to be a different sex, that is ok.

If they want to be an animal that’s ok too. They are teaching kids about sex in school, and that transgender men can go to the same bathroom as our little girls.

WTF is wrong with this picture?

And since when do our kids not belong to us, and they do belong to the whole community? I guess that was about the same time, that the vaccines started giving the kids autism.

Is the whole community stepping in to help pay for these kids riddled with autism? Hell no.


The courts will rule against all known law, and in fact make up some laws as they go along.

Foreclosure hell awakened judges making laws. Seen it in a bunch of different states.

And just try going into the court as pro se. What a fucking joke.

No matter how well versed a person is in the law. No matter how well a person follows the rules to a “t”, no matter if the persona has a cut and dry case in their favor, if they don’t have an attorney, they might as well go jerk off in the bushes, because that is about how much it is going to matter.


And that’s not even mentioning the child sex rings stealing, selling, and killing children in this country.

I am so sick of the shit that I could go on, and on, and on…

I guess all I can say is damn, the whole country is running amok.

Iowa Supreme Court Rules Civil Forfeiture Laws Violate Fifth Amendment, Upholds Pleading The Fifth


May 30, 2018 @ 02:02 PM 23,367
2 Free Issues of Forbes
Iowa Supreme Court Rules Civil Forfeiture Laws Violate Fifth Amendment, Upholds Pleading The Fifth
https://www.forbes.com/sites/instituteforjustice/2018/05/30/iowa-supreme-court-rules-civil-forfeiture-laws-violate-fifth-amendment-upholds-pleading-the-fifth/#3d1978161655

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Opinions expressed by Forbes Contributors are their own.
Nick Sibilla Nick Sibilla , Contributor

The Iowa Supreme Court struck a blow on Friday against the state’s civil forfeiture laws, which allow the government to permanently confiscate property without ever filing criminal charges. In a unanimous, 33-page ruling, the court strengthened the constitutional protection against self-incrimination for owners fighting civil forfeiture, revived a motion to suppress evidence, and rejected a tactic commonly used by prosecutors to prevent owners from being awarded thousands of dollars in attorney’s fees.

Iowa has been a surprising hot spot for civil forfeiture, ensnaring motorists, professional poker players, and an entrepreneur who ran a Mexican restaurant for almost four decades. The state even rewards the aggressive pursuit of forfeiture cases: Police and prosecutors can keep up to 100 percent of the proceeds from forfeited property. Little wonder then that forfeiture has become quite profitable for law enforcement. An investigation by the Des Moines Register revealed that Iowa law enforcement agencies had taken over $55 million in cash and more than 4,200 vehicles since 1985.

Spurred by these abuses, last year, Iowa legislators strengthened due process protections for innocent owners, and required a criminal conviction to forfeit property valued at under $5,000. Although Iowa’s conviction threshold is the lowest of the 15 states with a conviction requirement, in 2015, data analysis by the Institute for Justice found that only 14 percent of Iowa’s cash forfeitures topped $5,000. Friday’s ruling should further curtail civil forfeiture.

The case began when Jean Carlos Herrera was driving from New York City to Los Angeles in September 2015. While Herrera was passing through Pottawattamie County, Iowa on Interstate 80, he was pulled over by Sergeant Kevin Killpack for going four miles over the speed limit. During the stop, a drug dog alerted to the car. Without Herrera’s consent, Killpack searched the Expedition, but only found some tools, a cell phone, a hollowed-out ice cream machine, and a Pelican case that “contained drug paraphernalia and remnants of marijuana.” No other drugs were found.

Killpack cited Herrera for speeding but never charged him with a crime. Yet that didn’t stop the sergeant from seizing the car, a 1999 Ford Expedition registered to Herrera’s friend, Fernando Rodriguez, and all the equipment inside.

Less than a week after the Expedition was seized, Rodriguez hired an attorney, who promptly emailed Pottawattamie County that Rodriguez was fighting back as an “innocent owner.” Rodriguez’s attorney also noted that under Iowa law, the government must pay attorney’s fees to property owners who win their civil forfeiture cases. He also noted that “the fees are going to be greater than the vehicle value, so this might be one to let go.”

Soon after, Sergeant Killpack applied for a warrant to search possible hidden compartments within the vehicle, based on the fact that Rodriguez had hired an attorney. According to Killpack, “it does not make financial sense to spend a significant amount of money, in attorney fees, in an attempt to reclaim a vehicle worth $2,132,” which in his mind meant that “there is something much more valuable still inside the vehicle that has not been found by law enforcement in the initial search.”

A district court granted the warrant, though, as the Iowa Supreme Court noted on Friday, Killpack’s warrant application “failed to mention that Rodriguez had argued he was entitled to attorney fees from the State as an innocent owner.” On his second search, Killpack found and seized almost $45,000 in cash hidden inside a false compartment.

In October, prosecutors filed a complaint to forfeit the cash, the car, and the rest of the property taken during the traffic stop, claiming that the property was “drug proceeds” or “used in the transport of drugs.”

The two men (who were now represented by the same lawyer) filed an answer together that stated they had an interest in the seized properties and demanded their return. Herrera also invoked the Fifth Amendment and refused to completely comply with the state’s disclosure requirements.

Under state law, property owners who want to reclaim their seized property must fully disclose “the nature and extent” of their interest in the property, as well as “the date, the identity of the transferor, the circumstances of the claimant’s acquisition.” Refusing to comply can result in the property forfeited to the state. Yet those forced disclosures may reveal information that could incriminate the owner or trigger a perjury trap, which would violate the Fifth Amendment.

Writing for the majority, Justice Thomas Waterman noted that Iowa’s forfeiture laws burden owners with a “difficult choice between asserting [their] privilege against self-incrimination or foregoing [their] claim for return of the contested property.”

As Waterman recounted, Herrera omitting that information was “fatal to his claim:” The district court ruled that Herrera’s reply was not a proper answer and so he was not entitled to a forfeiture hearing.

But on appeal, the Iowa Supreme Court overturned that ruling, and held that “assertion of the Fifth Amendment privilege against self-incrimination excuses compliance” from Iowa’s disclosure requirements for civil forfeiture claims. “The court may not enforce the specific disclosure requirements…over the claimant’s Fifth Amendment objection,” Waterman ruled.

Friday’s ruling also revived Herrera’s motion to suppress evidence, which the district court had dismissed as well. Both the Iowa Supreme Court and U.S. Supreme Court have ruled that the “exclusionary rule,” which prohibits the government from using evidence that was not lawfully obtained, applies to criminal prosecutions and civil forfeiture proceedings.

In this case, Herrera claimed that the stop, search, and seizure of the car violated the Fourth Amendment and should be suppressed accordingly. Justice Waterman ruled that “the district court must first rule on motions to suppress evidence before resolving forfeiture claims,” since that ruling “determines what evidence the state can rely on during the forfeiture proceeding.”

The court’s ruling should strengthen safeguards for property owners facing civil forfeiture. According to Dean Stowers, who represented Herrera and Rodriguez, “this decision will require the state to establish the legality of the seizure” before the state can attempt “to forfeit property or to compel persons to answer questions about their property.”

A representative from the Iowa Attorney General’s Office said they were “still looking at the possible impact of the ruling” and declined to comment further.

“It appears that we followed the forfeiture rules as they existed at the time, and we argued that the claimants did not follow the rules,” said Pottawattamie County Attorney Matt Wilber. ”The District Court and Court of Appeals agreed with our position. The Iowa Supreme Court has now ordered that they are changing the rules, so we’ll all follow the new rules.”

As for Rodriguez, five months after the state filed its forfeiture complaint, prosecutors decided Rodriguez could get back his Ford Expedition. His attorney then filed to recover nearly $9,000 in attorney’s fees and expenses, which, under Iowa law, are owed to prevailing parties. But because the state dropped its forfeiture case just before a court hearing, the district court ruled that Rodriguez didn’t actually prevail because he didn’t technically win on the merits in court.

Justice Waterman rejected this argument wholesale:

“Rodriguez sought to prevent the State from taking permanent possession of his vehicle. He fulfilled his primary objective of getting his vehicle back after months of contested litigation against the State. On this record, we hold that Rodriguez is a prevailing party even though the district court did not expressly find that he was an ‘innocent owner.’”

Moreover, Waterman noted that fee awards “help level the playing field for persons contesting government seizures,” as they “incentivize attorneys to represent citizens seeking return of their property from the government.”

The Iowa Supreme Court’s ruling contrasts starkly with the U.S. Eighth Circuit Court of Appeals, which covers Iowa. In 2016, the Eighth Circuit considered the case of Carole Hinders, who ran Mrs. Lady’s, a cash-only Mexican restaurant in Arnolds Park, Iowa. Based simply on the way she deposited her cash, in spring 2013, the IRS raided Carole’s entire business checking account—almost $33,000. The IRS accused Carole of “structuring” her deposits, or deliberately keeping her deposits under $10,000 to circumvent a reporting requirement. She was never indicted.

Institute for Justice

Carole Hinders.

With help from the Institute for Justice, Carole fought back. In October 2014, The New York Times ran a front-page story on her case. That prompted the IRS to announce it would “no longer pursue the seizure and forfeiture of funds associated solely with ‘legal source’ structuring cases.” Less than two months after the Times article was published, federal prosecutors dropped the case against Carole’s cash.

Under the federal Civil Asset Forfeiture Reform Act, property owners who “substantially prevail” in their civil forfeiture cases are entitled to interest as well as attorney’s fees and costs. Considering that she recovered her cash and even sparked a policy shift at the IRS, Carole believed she had “substantially prevailed.” Unfortunately, in 2016, the Eighth Circuit ruled that she did not, and instead held that “a voluntary change on the part of a defendant, even if it resulted in the outcome sought by the plaintiff, ‘lack[ed] the necessary judicial imprimatur’ to authorize a fee award.” With this ruling, the Eighth Circuit upheld a loophole for the government to skip out on paying hefty attorney’s fees to innocent property owners.

But with the Iowa Supreme Court’s decision, owners fighting forfeiture in state court now have an easier time to be made whole than if their exact same case were in federal court. One Des Moines-based forfeiture attorney told the Des Moines Register that the new decision should deter the government from seizing property, since prosecutors “risk not only the return of the property but a significant attorney fee as well.”

“The Iowa Supreme Court’s ruling is another potent reminder that the best way to prevent abusive seizures is to end civil forfeiture once and for all,” said Institute for Justice Senior Legislative Counsel Lee McGrath. “Iowa legislators should follow the lead of counterparts in North Carolina, New Mexico and Nebraska and replace it with criminal forfeiture.”

This post has been updated to include comment from the Pottawattamie County Attorney.

FORECLOSURE HELL


I had been doing so much better about keeping up with my blogs, until about this last week. I had not gotten back to posting as much as I had in the past, but was doing much better.

I have to admit though, every month, beginning the week before foreclosure hell (the day they auction the homes foreclosed upon), have been particularly hellish.

I guess for a while, no one I know was being foreclosed upon. But beginning last month, my friends began being sold at auction again. It had been a whole year until just these last couple of months. Then all of the sudden, properties that the banks had lost interest in, out of the blue, and with little or no warning, were sold at auction.

We all managed to stop two of the sales, those two were cancelled, but last month, one was lost to foreclosure, and it took a lot of work to get cancelled, the two that were cancelled.

So, even though there may not be the number of foreclosures every month that there had been for a long time, looks like the banks have managed to get lined up, these companies, that will purchase damn near any house at auction. These companies that want to turn around and rent you your house they just purchased at foreclosure.

I told everyone, back in 2008-2009 when Goldman Sachs’ sorry ass said that “only the rich should own houses, everyone else should be renters”, that this is what could be expected. Yes, it took another 8 years for it to happen to this scale, but it is here, and it won’t be going away, till they get every one of our homes.

I have watched foreclosure sales every month since around 2006, and all the properties that were fought for, and the banks, just kind of fizzled away without a lot of fuss, homes that they realized would be close to impossible to get the foreclosed upon owner to leave, now that they can work it out to where these rent home companies, are the ones that has to get rid of the previous owners of the properties.

The banks see this as minor housekeeping, which they don’t mind at all.

The Donald’s Done — The Deep State Wins Its War On America First; written by david stockman wednesday may 9, 2018


The Donald’s Done — The Deep State Wins Its War On America First
written by david stockman wednesday may 9, 2018
http://www.ronpaulinstitute.org/archives/featured-articles/2018/may/09/the-donalds-done-the-deep-state-wins-its-war-on-america-first/

The Donald’s action to ash-can the Iranian nuclear deal marks the War Party’s complete and baleful triumph. There is now nothing much left of America First.

Trump’s reckless, unwarranted and utterly irrational action will pull Washington ever deeper into an incendiary middle eastern vortex of political and religious conflict that has absolutely nothing to do with the safety and security of the America people.

To the contrary, picking a fight with Tehran is an exercise in unprovoked Imperial aggression. The Iranian regime has no means to attack America militarily and has never threatened to do so. Nor has it invaded any other country in the region where it was not invited by a sovereign government host.

Even Iran’s minor skirmishes with American forces in recent years have been owing to the happenstance of Washington’s far-flung imperial ventures.

For example, Washington destroyed Saddam’s Sunni/secular government in Iraq and installed a Shiite regime in Baghdad, thereby leaving the Sunni lands of western Iraq in chaos. Only then did Baghdad invite their shiite co-religionists from Iran to help excise the scourge of ISIS that formed from the remnants of Saddam’s army and government.

Likewise, Washington and its allies sent thousands of jihadist warriors and billions of aid and supplies into Syria to topple its dully elected government. Only then did the Alawite (Shiite) Assad regime invite help from its confessional compatriots in Tehran.

And you can’t find any more ludicrous example of the cat calling the kettle black than the Donald’s claim that Iran is a terrorist state because it is aligned with the Shiite population of Lebanon represented by Hezbollah.

For crying out loud. The War Party pretends Washington has turned much of the middle east into rubble and barbarism in order to spread democracy — whether they wanted it or not, and whether they were ready for it or not.

But Lebanon is a serviceable democracy and last weekend Hezbollah and its allies — including certain Sunni factions — won an overwhelming election victory. They now control a clear majority in its legislature, where Hezbollah will have the power to name a new Prime Minister (a Sunni) and Speaker of the Parliament (a Shiite) — both of whom will be pledged to work with the country’s Christian president.

That particular outcome of democracy the War Party can’t abide. But it fairly violates the english language itself to call it state sponsored terrorism.

In a similar vein, the Houthi tribe of Shiites have dominated much of northern and western Yemen for centuries. So when a Washington installed government in Sana’a was overthrown, the Houthi took power in northern Yemen — as had been the case during the long expanse from 1918-1990 when the two Yemens were finally unified.


But it is the Houthis who are the victims of aggression by the brutal Saudi bombing campaign that has left more than 10,000 civilians dead and the land plagued with famine, cholera, rubble, and economic collapse.

There is no telling which faction in Yemen’s fratricidal civil war and invasion by Saudi Arabia is the more barbaric, but the modest aid provided by Iran to its Shiite kinsman in northern Yemen is absolutely not a case of state sponsored terrorism.

In a word, the Donald has fallen hook, line and sinker for the War Party’s lie- and propaganda-filled demonization of the Iranian regime. We have debunked this false history elsewhere, but suffice to say that it boils down to two very imperialist propositions.

To wit, that Iran is not entitled to have its own foreign policy via alliances with Iraq, Syria, the dominant party of Lebanon, or the official government in Sana’a Yemen because Washington (and Israel) say so; and that it’s not allowed to have even intermediate and medium range missiles (that can’t reach either the US or most of Europe) to defend itself — even though Washington has armed its far wealthier Sunni rival across the Persian Gulf with upwards of $250 billion of America’s most advanced warplanes, attack helicopters, missiles, drones and sundry other accoutrements of war.

And that is to say nothing of a tiny residual capacity to enrich uranium to 3.5 percent purity (compared to 90 percent weapons grade) for civilian power reactors on fewer than one-fifth of the oldest and slowest centrifuges it had before the 2015 nuke deal.

Nor does it consider that all 17 US intelligence agencies certified in an official NIE (national intelligence estimate) in 2007 and again in 2011 that Iran only had a small weaponization research program between 1999 and 2003, which was then abandoned and never restarted.

Moreover, the documentary proof of that was thoroughly investigated by the IAEA after the 2015 deal, which then re-validated that the Iranian weapons program was indeed disbanded in 2003.

In short, the Donald has fallen for a pack of lies and distortions that are only remotely plausible if the aim is to find enemies and territories around the planet to police, occupy or otherwise hegemonize. And to thereby keep the Warfare State in business, its $800 billion budget funded, and the Imperial City’s vast beehive of think-tanks, contractors, NGOs, lobbyists, and racketeers in clover.

The invincible grip on power of the above — the Deep State for short-hand purposes — has now been proven. And that’s a full-on tragedy because the Donald’s inchoate notion of America First was an incipient challenge to its power — the only one since the end of the cold war.

To be sure, Donald Trump never had a coherent or articulated notion of America First. But all of his impulses were in the right direction.

Perhaps like renegade Sarah Palin before him, for example, he could see Russia from his airy on the 68th floor of Trump Tower and recognize that it is no threat whatsoever to America’s security.

That is, from his perch the Donald could gaze upon metro New York’s $1.6 trillion of GDP, which is greater than the entirety of Russia’s economy ($1.5 trillion GDP); and whether he knew the precise numbers or not, his impulse toward rapprochement with Putin was spot on.

Likewise, whether he had gotten George Bush’s folly in Iraq right on day one or not — he was loud and clear in his consistent denunciation years before Hillary sprouted her dawkish feathers.

Nor was he any less correct when he averred that NATO was obsolete. After all, the GDP of the EU-29 is 10X larger than Russia’s, and their combined military spending is 4X greater.

If you’re not a prisoner of Imperial Washington’s twisted group think you cannot possibly believe that Russia’s supremely rational leader — Cool Hand Vlad — intends to militarily assault his European neighbors. He’d like to supply their markets, not occupy their cities — something that anyone except the demented, self-serving bureaucrats of NATO can easily understand.

Ditto for Afghanistan, Syria, Yemen, Libya, Somalia et. al. They aren’t cold war “dominoes” because the Soviet Union slithered off the pages of history 27 years ago; they don’t threaten America directly, either, because they don’t have two dimes to rub together economically or militarily; and whether they affiliate with the Saudi-Sunni axis or the Iran-Shiite crescent makes not one damn bit of difference for the safety and security of American citizens in Lincoln NE or Springfield MA.

In the case of the Korean Peninsula, the Donald also rightly questioned why we are still funding 29,000 US troops when the war there ended 65 years ago.

The truth is, it is a war that never should have been fought in the first place because the now open Soviet archives show both Stalin and Mao were against it. US national security was never at stake.

Rather than a domino, it originated purely as a civil war between the communist/nationalists under Kim II-sung, who had fought the Japanese occupiers to the death, and a puppet government in the South under Syngman Rhee.

The latter was an aristocratic dandy who moved to the US in 1904 and spent most of the next 40 years hob-knobbing in Washington. So doing, he promoted endless schemes to install himself in power back in Korea, which finally happened when Japan’s 35-year long occupation was ended in August 1945.

At length, the two Korean political rivals got into a war that the north would have handily won — and might well have turned itself into a cheap labor based export platform just as did Mao’s heirs on the mainland. It might even have become a darling of Wall Street — just as the Red Suzerains of Beijing are today.

That is to say, there was exactly nothing at stake in June 1950 — until the rabid cold warriors in Washington persuaded Truman to intervene.

So doing, the US military launched the most destructive and vicious bombing campaign in history under the blood-thirsty top Air Force general, Curtis LeMay. By the 1953 armistice, North Korea had become a bombed-out wasteland with hardly a city or town not reduced to rubble and with millions of civilians dead or starving.

But it was not merely a pointless war and waste of American blood and treasure; it also became forever embraced by the people of the north as the patriotic war of resistance that paved the way for six decades of the brutal Kim family dictatorship and a life of poverty and misery for its 25 million people, who could otherwise be working in Apple factories and auto plants today.

Needless to say, Imperial Washington has no regard for honest history — only its own self-serving narrative and imperative need for enemies and missions to justify nearly $800 billion per year for the machinery of war and empire. In the case of North Korea, in fact, its imperial pretensions and penchant for “regime change” under the neocons in recent decades, unleashed a veritable monster.

That is, a drive by the Kim family to obtain nuclear weapons, thereby hoping to avoid Saddam’s fate at the end of a rope or Khadafy’s bloody demise with a shive up his rectum.

Fortunately, the Donald has been blessed with a historic serendipity. His military bluster and name-calling apparently caused Kim Jong-un to stage so many nuclear bomb tests culminating in a huge (for N. Korea) 160 kiloton explosion last September that the Fat Boy of Pyongyang has literally destroyed the mountains which house his Punggye-ri test site.

A recent authoritative study actually warns that if North Korea were to use the same area for another test it could cause an “environmental catastrophe.”

North Korea’s past tests have altered the tectonic stress in the region to the extent that previously inactive tectonic faults in the region have reached their state of critical failure. Any further disturbance from a future test could generate earthquakes that may be damaging by their own force or crack the nuclear test sites of the past or the present.
Of course, Kim Jong-un is now attempting to make a virtue out of necessity by ostentatiously shuttering the no longer useable site and inviting the world to witness its entombment. But if that leads to a denuclearization of the Korean peninsula, so be it.

And let it also be an occasion to reverse the mistake of June 1950, and get American forces off the peninsula once and for all: Return Korea to the Koreans to work out their own governance as they see fit!

Yet even on this matter, where the Donald has recently tried to explore a drastic reduction, if not complete removal, of US troops as part of the pending deal with Kim Jong-un, the Deep State has come down on him with all fours.

In that regard, here is what former “peace” candidate Barack Obama’s leading advisor on the topic had this to say:

Kelly E. Magsamen, a top Asia policy official at the Pentagon during the Obama administration, said, ‘U.S. presence in South Korea is a sacrosanct part of our alliance.’
In fact, apparently the entire global empire of Washington is sacrosanct — including the ridiculous fact that in the year 2018 Washington still has military bases in the defeated powers of World War II. Yet neither Japan nor Germany have any mortal military enemies and both are utterly dependent on the trade custom of the US for their high standard of living.

So the Deep State now owns the Donald and America First is not even a slogan. It’s inoperative, Nixon-style.

Indeed, it’s only a matter of time before the Donald gets the ultimate Nixon treatment — now that he has done the Deep State’s dirty work and ash-canned the deal that could have opened a broad avenue toward peace in the world and drastic retrenchment of the fiscally bankrupting Warfare State at home.

That is to say, at length the ingrates of the Deep State will put the Donald on the Dick Nixon Memorial Helicopter for his final ride to Gonesville.

To paraphrase the great Randolph Bourne, Demonization of the Unwilling is the Health of the Deep State.

At least that much the Donald has now, regrettably, confirmed with his sophomoric attack on Iran.

So doing he has also lurched America drastically forward on the path to a monumental financial catastrophe. That’s because taken together the Warfare State and the Welfare State are also the fiscal demise of the state.

One of these days even the lemmings of Wall Street — which took day’s calamitous news in stride — will finally get the memo, too.

Reprinted with permission from David Stockman’s Contra Corner.

When I read this article, I kept hearing that song “Take It To The Limit One More Time”! They’ve changed the words “Sub-Prime” to “Non-Prime” and we re going to take it to the limit one more time…


Subprime mortgages make a comeback—with a new name and soaring demand
The subprime mortgage industry vanished after the Great Recession but is now being reinvented as the nonprime market.
Carrington Mortgage is now offering mortgages to borrowers with “less-than-perfect credit.”
Demand from both borrowers and investors is exceeding expectations.
Diana Olick | @DianaOlick
Published 10:45 AM ET Thu, 12 April 2018 Updated 1:54 PM ET Thu, 12 April 2018
CNBC.com
https://www.cnbc.com/2018/04/12/sub-prime-mortgages-morph-into-non-prime-loans-and-demand-soars.html
Subprime stages comeback as ‘non-prime’ loans Subprime stages comeback as ‘non-prime’ loans
1:41 PM ET Thu, 12 April 2018 | 01:28

They were blamed for the biggest financial disaster in a century. Subprime mortgages – home loans to borrowers with sketchy credit who put little to no skin in the game. Following the epic housing crash, they disappeared, due to strong, new regulation, and zero demand from investors who were badly burned. Barely a decade later, they’re coming back with a new name — nonprime — and, so far, some new standards.

California-based Carrington Mortgage Services, a midsized lender, just announced an expansion into the space, offering loans to borrowers, “with less-than-perfect credit.” Carrington will originate and service the loans, but it will also securitize them for sale to investors.

“We believe there is actually a market today in the secondary market for people who want to buy nonprime loans that have been properly underwritten,” said Rick Sharga, executive vice president of Carrington Mortgage Holdings. “We’re not going back to the bad old days of ninja lending, when people with no jobs, no income, and no assets were getting loans.”

A home improvement contractor works on a house in Cambridge, Massachusetts. Here’s how much homeowners could cash out in home equity
2:32 PM ET Mon, 2 April 2018 | 01:14
All loans will not be the same


Sharga said Carrington will manually underwrite each loan, assessing the individual risks. But it will allow its borrowers to have FICO credit scores as low as 500. The current average for agency-backed mortgages is in the mid-700s. Borrowers can take out loans of up to $1.5 million on single-family homes, townhomes and condominiums. They can also do cash-out refinances, where borrowers tap extra equity in their homes, up to $500,000. Recent credit events, like a foreclosure, bankruptcy or a history of late payments are acceptable.

All loans, however, will not be the same for all borrowers. If a borrower is higher risk, a higher down payment will be required, and the interest rate will likely be higher.

“What we’re talking about is underwriting that goes back to common sense sort of practices. If you have risk, you offset risk somewhere else,” added Sharga, while touting, “We probably are going to have the widest range of products for people with challenging credit in the marketplace.”

Carrington is not alone in the space. Angel Oak began offering and securitizing nonprime mortgages two years ago and has done six nonprime securitizations so far. It recently finalized its biggest securitization yet — $329 million, comprising 905 mortgages with an average amount of about $363,000. Just more than 80 percent of the loans are nonprime.

A ‘who’s who of Wall Street’
Investors in Angel Oak’s nonprime securitizations are, “a who’s who of Wall Street,” according to company representatives, citing hedge funds and insurance companies. Angel Oak’s securitizations now total $1.3 billion in mortgage debt.

Angel Oak, along with Caliber Home Loans, have been the main players in the space, securitizing relatively few loans. That is clearly about to change in a big way, as demand is rising.

“We believe that more competition is positive for the marketplace because there is strong enough demand for the product to support multiple originators,” said Lauren Hedvat, managing director, capital markets at Angel Oak. “Additionally, the more competitors there are, the wider the footprint becomes, which should open the door for more potential borrowers.”

Big banks are also getting in the game, both investing in the securities and funding the lenders, according to Sharga.

“It’s large financial institutions. A lot of people with private capital sitting on the sidelines, who are very interested in this market and believe that as long as the risks are managed well, and companies like ours are particularly good at managing credit risk, that it’s a good investment opportunity,” he said.

As the economy improves, and rents continue to rise, more Americans are trying to become homeowners, but the scars of the Great Recession still stand in the way. One-fifth of consumers today still have very low credit scores, often disqualifying them from obtaining a mortgage in today’s tight lending market.

Relaxed lending standards
Last summer, Fannie Mae announced it would relax its lending standards for prime loans, allowing borrowers with higher debt and lower credit scores to obtain loans without additional risk overlays, such as large down payments and a year’s worth of cash reserves.

Fannie Mae raised its debt-to-income (DTI) limit from 45 percent to 50 percent. DTI is the amount of total debt a borrower can have compared to his or her income. As a result, demand from buyers with higher debt exceeded all expectations. The share of high DTI loans jumped from 6 percent in January 2017 to nearly 20 percent by the end of February 2018, according to a study by the Urban Institute.

“From January to July 2017, Fannie purchased 80,467 loans with DTI ratios between 45 and 50 percent. But from August 2017 to February 2018, Fannie purchased 181,911 loans in the same DTI bucket. This increase of more than 100,000 loans in just seven months exceeded our estimate (85,000 additional Fannie loans annually) and Fannie’s expectations.” – Urban Institute

The mortgage industry expectation was that Fannie Mae would mitigate the additional risk with other factors, like a higher necessary credit score, but that was not added. The mortgage insurers balked, since they would be on the hook for the risk, so last month Fannie Mae “recalibrated” its risk assessment criteria again.

“We got a bigger response than we thought we were going to, so we dialed back to make sure we were in the right spot where our governance kicks in to make sure we’re not taking excessive risk,” said Doug Duncan, Fannie Mae’s chief economist.

Millennials carry more debt
The outsized demand from borrowers with more debt as well as demand for nonprime mortgages in the private sector show just how many borrowers today would like to become homeowners but are frozen out of the mortgage market.

Millennials, the largest homebuying cohort today, have much higher levels of student debt than previous generations. Members of older generations who went through foreclosures during the housing crisis or other hits to their credit are still struggling with lower FICO scores.

In addition, credit tightened up dramatically. In fact, between 2009 and 2015, tighter credit accounted for just more than 6 million “missing” loans, according to research by Laurie Goodman at the Urban Institute. These are mortgages that would have been granted under more normal historical underwriting standards.

The rebirth of the nonprime market is focused on these missing mortgages. The hope is that the industry will also focus on better standards of underwriting and not take risk to the levels it once did, levels that resulted in disaster.

Lisa Haven: If You Thought Fukushima Was Over With You’re Dead Wrong! Guess What’s Happening Now?



If You Thought Fukushima Was Over With You’re Dead Wrong! Guess What’s Happening Now?
Thursday, April 12, 2018 8:56
By Lisa Haven
http://beforeitsnews.com/politics/2018/04/were-being-nuked-you-wont-believe-what-fukushima-is-doing-now-outrage-2994495.html

Fukushima, that’s the name of the nuclear power plant that will go down in history as one of the worst events of it’s time and it will leave millions of cancer patients in its path.

Emigrate While You Still Can! Learn More…

For years this nuclear plant has been wreaking havoc on our oceans and on our bodies, ever since it’s destruction on March 11, 2011 when an earthquake and tsunami stroked the area. Sadly, the mainstream media have kept this disaster “on the down-low” in order to not panic the public, just as they did when Chernobyl took out millions with cancer.

With sieverts now reaching 530 and talks that they could go as high as 5,000, the mainstream media is forced to report on this devastation, however they fail to mention the repercussions it will have on humanity.

In the video below I prove just how bad this event really is and the effects it is still having on those here in America…
<a href="http://” target=”_blank”>The Video

Here’s what the globalists have to say about decreasing the worlds population, and I believe, they allow things like Fukushima specifically for that:

At the United Nations Biodiversity Assessment on Sustainable Human Population; US Senate September 9, 1994:

“A reasonable estimate for an industrialized world society at the present North American material standard of living would be one billion people. This must be implemented within 30-50 years, 2/3’s of the population must be cut.”

“The UN says property rights are not absolute and unchanging, but are there for the convenience of whatever government wants to do.” – Michael Coffman

Price Phillip, Duke of Edinburg:

“If I were reincarnated, I would wish to be returned to Earth as a killer virus to lower human population levels.”

Henry Kissinger:

“Depopulation should be the highest priority of U.S. foreign policy towards the Third World.”

Theodore Roosevelt:

“Society has no business to permit degenerates to reproduce their kind”

Ted Turner, in an interview with Audubon Magazine:

“A total world population of 250-300 million people, a 95% decline from present levels, would be ideal.”

Thomas Ferguson, State Department Office of Population Affairs:

“There is a single theme behind all our work–we must reduce population levels. Either governments do it our way, through nice clean methods, or they will get the kinds of mess that we have in El Salvador, or in Iran or in Beirut. Population is a political problem. Once population is out of control, it requires authoritarian government, even fascism, to reduce it….”“Our program in El Salvador didn’t work. The infrastructure was not there to support it. There were just too goddamned many people…. To really reduce population, quickly, you have to pull all the males into the fighting and you have to kill significant numbers of fertile age females….” “The quickest way to reduce population is through famine, like in Africa, or through disease like the Black Death….”

Alexander King, Bertrand Schneider – Founder and Secretary, respectively, The Club of Rome, The First Global Revolution, pgs 104-105, 199:

“In searching for a new enemy to unite us, we came up with the idea that pollution, the threat of global warming, water shortages, famine and the like would fit the bill…. But in designating them as the enemy, we fall into the trap of mistaking symptoms for causes. All these dangers are caused by human intervention and it is only through changed attitudes and behavior that they can be overcome. The real enemy, then, is humanity itself.”

Paul Ehrlich in The Population Bomb:

“A cancer is an uncontrolled multiplication of cells; the population explosion is an uncontrolled multiplication of people…. We must shift our efforts from the treatment of the symptoms to the cutting out of the cancer. The operation will demand many apparently brutal and heartless decisions.” Stanford Professor ”

Jacques Cousteau UNESCO Courier 1991:

“In order to save the planet it would be necessary to kill 350,000 people per day.”

Robert Walker, former chair of PepsiCo and Proctor & Gamble on water:

“Water is a gift of nature. Its delivery is not. It must be priced to insure it is used sustainably….Ted Turner makes the radical statement that, “A total population of 250-300 million people, a 95% decline from present levels, would be ideal,””

Club of Rome, The First Global Revolution, 1991:

“In searching for a new enemy to unite us, we came up with the idea that pollution, the threat of global warming, water shortages, famine and the like would fit the bill (this is absolute proof that man made global warming is a fabrication)…. But in designating them as the enemy, we fall into the trap of mistaking symptoms for causes. All these dangers are caused by human intervention and it is only through changed attitudes and behavior that they can be overcome. The real enemy, then, is humanity itself.”

Bill Gates TED Talk

“First, we’ve got population. The world today has 6.8 billion people. That’s headed up to about nine billion. Now, if we do a really great job on new vaccines, health care, reproductive health services, we could lower that by, perhaps, 10 or 15 percent, but there we see an increase of about 1.3.”

They Are Killing Us From the Skies: Death by Respiratory Disease Has Skyrocketed



“Chemtrail Cough” is Sweeping the Nation — Death by Respiratory Disease Has Skyrocketed
February 11, 2018
http://www.unseen-pedia.com/chemtrail-cough-sweeping-nation-death-respiratory-disease-skyrocketed/

Have you noticed that everyone around you is congested and coughing? I am calling this new syndrome “chemtrail cough.”

My wife is coughing, I am coughing and now even our dogs are coughing. In just four years death by respiratory disease has skyrocketed from 8th in the world to 3rd and possibly even 2nd.

If someone in congress receives a letter with a little bit of white powder in it the capitol is evacuated and the media freaks out and starts screaming “terrorists.”

However, right over their heads, hundreds of tons of nano aluminum and barium are being sprayed on them daily and yet nobody seems to care.

Yesterday I heard Alex Jones start his broadcast by saying his throat hurt and his voice was messed up because of something in the air but he didn’t know what it was.

Just one hour before his show started I heard the world’s leading expert on the subject of chemtrailsand geoengineering (Dane Wiginton) conduct an interview and he sounded terrible too.

Alex often talks about what people will put up with. One of his ideas is to go door to door in Austin and ask homeowners if it would be OK to put cameras in their bedrooms and then record their responses.

Of course, no sane person would allow that yet they do allow the NSA and countless other agencies and private corporations to do exactly the same thing via their smart TVs and smart phones.

Here’s my idea. How would anyone from Infowars or any other patriot radio show like it if I cornered your kid somewhere, opened a can of bug spray and emptied the entire can on their face?

You probably wouldn’t like it too much and yet you tolerate the EXACT same thing to be done to your kids on a daily basis by Bill Gates and the rest of the geo-engineering fanatics.

How is this not the number one story in the world all day and every day? Has everyone in the alternative media lost their minds too? We know that nano sized particulate of aluminum is very harmful to the brain and is responsible for killing everything that lives and yet it is rarely discussed and very little effort is directed to exposing it and stopping it.

Don’t people understand that if we don’t stop this right now there will be nothing left to live and fight for?

They are turning the sky over the entire country white daily. I have saved these recent satellite images to illustrate just how much material they are dumping on us. The sprayers repeat the same pattern day after day with very few exceptions.

Satellite Images

Sunday morning (5/25/14)

Sunday afternoon (5/25/14)

Monday morning (5/26/14)

Monday afternoon

Tuesday morning (5/27/14)

Tuesday afternoon (5/27/14)

They typically spray heavily first thing in the morning and greet the sun as it rises. They then spray all day long following the sun as it crosses the sky. They then spray heavily in the west as the sun sets.

The aluminum and barium (blanketing us all day) dissipates and falls to the ground in the early evening. The planes then return to their bases to refuel, rearm and get ready for the next attack the next morning.

Unless all radio talk show hosts come together and put an end to this craziness called geo-engineering it is my opinion that all life on earth will die and the battle for the future of humanity will be lost.

Dane Wigington should be on every radio show at least once a week to cover the latest developments in the collapse of our ecosystem. It’s accelerating and nothing is being done to curtail these insane programs.

Source humansarefree