Image: Vaccine Industry to partner with police, come after home school students in Iowa for mandated quarterly “health and wellness” checks


Police-Report-Woman
Vaccine Industry to partner with police, come after home school students in Iowa for mandated quarterly “health and wellness” checks
Wednesday, February 27, 2019
by: Lance D Johnson
https://www.naturalnews.com/2019-02-27-vaccine-industry-plans-to-come-after-home-school-students.html

Image: Vaccine Industry to partner with police, come after home school students in Iowa for mandated quarterly “health and wellness” checks

(Natural News) After the World Health Organization (WHO) named “vaccine hesitancy” a global health threat in 2019, vaccine compliance has become top priority for every government that is run by Big Pharma. FDA commissioner Scott Gottlieb has called on the states to limit vaccine exemptions and strip parents of their rights. The war to achieve max vaccine compliance is moving into new, bold territory.

The Vaccine State is now targeting home school families. Many home school families do not follow the CDC’s full vaccine schedule and some families opt out of vaccines altogether. Iowa State Representative Mary Mascher has proposed a piece of legislation that would target them in their homes, to enforce compliance. Iowa’s HF 272 would require home school families to submit proof of their child’s vaccination record to the state, while requiring the families to submit to quarterly “health and wellness” safety checks, which may be conducted by officials from the Health and Human Services Department and accompanied by local law enforcement.

HF 272 is where the Vaccine State takes its most intrusive step to date. On lines 22-24, the bill instructs all home school parents to provide the district with evidence that the child has had the immunizations “required under section 139A.8.” Furthermore, parents would be required to submit a full portfolio of the child’s school work, including an “outline of course of study,” all subjects covered, all lesson plans, and a time log for each area of study. The bill is both intrusive and dishonest. Even parents who send their kids to public school can opt out of one or all vaccines that are recommended by the CDC. Religious and medical exemptions to vaccines still exist in the state.

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School districts to “conduct quarterly health and safety home visits” and may enlist law enforcement if parents don’t give consent
To enforce the new rules, the bill instructs the board of directors of the school district to “conduct quarterly home visits to check on the health and safety” of children within the district. The bill provides adequate funding for the school district to police home school families in the area. The visits are to be conducted within the home and include an observation of the child and an interview with the child. If the parent does not consent, then the district can obtain probable cause from the juvenile court to forcefully enter the home and conduct the observation and the interview. The superintendent of the school district shall “designate a person to carry out the duties.” This person is designated as the “mandatory reporter.” Most sickening, the school district may collaborate with the department of human services and “local, county and service area officers” to enter the home and conduct the checkup.

Since officers are required to “do their job,” they will be critical for intimidating parents to open their doors and submit their kid to the intrusive interview and the vaccine requirements. If parents do not cooperate and hand over proof of vaccination records, it will be very easy for Child Protective Services to take the child from the home, have them vaccinated, and sent away to live with another family.

In Oregon, lawmakers want to enforce vaccine compliance as soon as parents take their newborns home from the hospital. Under a proposal in Oregon, every new parent, including adoptions, would be visited two or three times by a nurse or health care practitioner. The visits are intended to connect parents with primary care physicians, screen them, and schedule their myriad of vaccinations.

These intrusive bills are a glimpse of how far the authoritarian Vaccine State will go to achieve vaccine compliance and force people to obey. Home school families must be ready to hold their elected representatives accountable, as to not permit pharmaceutical companies the ability to create laws and turn law enforcement against good people.

For more news about medical fascism and tyranny, read MedicalTyranny.com.

Sources include:

VaccineImpact.com

Legis.Iowa.gov

NaturalNews.com

Censorship in America??? Chilling precedent? InfoWars block exposes Big Tech as no friend of free speech. Alex had been warning us of this for months, it is of no surprise, the only surprise is if we are going to take it!



HomeUS News
Chilling precedent? InfoWars block exposes Big Tech as no friend of free speech
Published time: 6 Aug, 2018 23:19
Edited time: 7 Aug, 2018 07:13
https://www.rt.com/usa/435271-alex-jones-inforwars-censorship/

Chilling precedent? InfoWars block exposes Big Tech as no friend of free speech
Alex Jones at a rally during the Republican National Convention in Cleveland, Ohio, July 18, 2016 © Lucas Jackson / Reuters

The US Constitution explicitly forbids government censorship. So Silicon Valley big-tech companies made themselves the gatekeepers of ‘goodthink,’ de-platforming anyone who runs afoul of their arbitrary ‘community standards.’

Alex Jones, the host of InfoWars, has often been derided by establishment media as a conspiracy theorist. Yet on Monday, Apple, Spotify, YouTube and Facebook proved right the motto of his show – “There’s a war on for your mind!” – by blocking or deleting InfoWars accounts from their platforms, saying he allegedly engaged in “hate speech” and violated their “community standards.”

Simply put, these corporations appointed themselves arbiters of acceptable political thought, and censored Jones for failing to comply with arbitrary political standards set in Silicon Valley boardrooms, not at the ballot box.

Whether you like @RealAlexJones and Infowars or not, he is undeniably the victim today of collusion by the big tech giants. What price free speech? https://t.co/DWroGYaWvk
— Nigel Farage (@Nigel_Farage) August 6, 2018

The First Amendment to the US Constitution says that Congress shall make no law “abridging the freedom of speech, or of the press.” There is no “hate speech” exemption, either. In fact, hate speech is not even a legal category in the US. However, a chorus of voices all too glad Jones was purged immediately chimed up to argue that Apple, Alphabet, Facebook and Spotify are private companies and this does not apply to them.

There is a wrinkle in that argument, though: civil rights outfits such as the ACLU have argued that social media amount to a “designated public forum” in cases where government officials tried to avail themselves of blocking, muting and other functions put forth by Big Tech as a way to police “toxicity” on their platforms.

“When the government designates social media a public forum, the First Amendment prohibits it from limiting the discourse based on viewpoint,” the ACLU said in a brief submitted last year in a case before the Fourth Circuit Court of Appeals in Virginia. “When a government actor bans critics from speaking in a forum, it silences and chills dissent, warps the public conversation, and skews public perception,” the ACLU brief went on.
Read more


© Adrees Latif Censorship or justice? Twitter debate rages over tech giants’ simultaneous InfoWars ban

In a separate but obviously related case, a federal judge used the “designated public forum” definition to demand that President Donald Trump allow critics access to his personal Twitter account – not the official @POTUS one – because he is a public official.

However, if social media platforms are a “designated public forum” that government is not allowed to exclude people from on First Amendment grounds, how is it OK for corporations that operate these platforms to do so? Or is chilling dissent, warping conversation and skewing perception only bad when a government actor does it, thereby creating a legal system in which the what is irrelevant, and the only thing that matters is who/whom?

There is something deeply cynical about people who until yesterday denounced discrimination and evil corporatism – and will do so again tomorrow – suddenly defending private property and freedom to discriminate against political viewpoints. That’s because this isn’t about principles, but about power.

Liberals were once all for free speech, starting a movement by that name at Berkeley in the 1960s. Now that the media and academia overwhelmingly march in lockstep with the Democratic Party, however, they’re all about “no-platforming” opposing views and calling them “hate speech,” all in an effort to limit the range of permissible thought and expression in America.

Alex Jones’ Warning To The World On Internet Censorship pic.twitter.com/DNdiR6goHb

— Alex Jones (@RealAlexJones) August 6, 2018

This has manifested in many forms, from literal riots in Berkeley to “shadowbanning” of several Republican lawmakers on Twitter. That platform, which has so far refrained from banning InfoWars, didn’t hesitate to block conservative African-American activist Candace Owens after she pointedly echoed the hateful tweets of a liberal journalist hired by the New York Times. Needless to say, the same people up in arms about Alex Jones argued that Sarah Jeong’s tweets were fine, because one “cannot be racist against white people.”

If Infowars has been removed for pushing conspiracy theories and “glorifying violence and hate speech…”

Then what’s the plan for outlets who still push ‘Russian collusion’ and promote violent ANTIFA protests/harassing Trump admin officials?
— Tim Young (@TimRunsHisMouth) August 6, 2018

This ideological conflict in American society actually goes back years, maybe even decades. However, the victory of Trump over Hillary Clinton in the 2016 US presidential election, even though most of the media and all of the Silicon Valley were #WithHer, flushed it out in the open. Democrats quickly latched onto a claim of “Russian meddling,” intended to delegitimize Trump’s presidency but also, as it turns out, create an excuse for corporate censorship.

Consider the November 1, 2017 hearing before the Senate Intelligence Committee, where lawyers for Google, Facebook and Twitter were subjected to a barrage of demands to regulate their platforms against “Russians” – or else.

“You have to be the ones to do something about it, or we will,” said Sen. Dianne Feinstein (D-California). She also pressed for the removal of RT from YouTube, only to have a Google representative say that despite looking very hard, the company hasn’t found any policy violations that would justify such a move.

“I’m not really satisfied with that,” said Feinstein.
Read more
YouTube is also banning channels unrelated to the InfoWars brand, but have livestreamed Jone’s show daily. © Dado Ruvic/Reuters War on InfoWars? YouTube shuts down Alex Jones’ channel with 2.5mn subscribers

Now, imagine how much more chilling this would be if Feinstein represented the ruling party, rather than the opposition. It isn’t that far-fetched: during the 2016 election, Facebook COO Sheryl Sandberg told Hillary Clinton’s campaign chairman John Podesta that she “badly” wanted Clinton to win, while Eric Schmidt, the executive chairman of Google’s parent company Alphabet, actually spent election night at Clinton HQ with a “staff” badge. More recently, this April actually, Twitter CEO Jack Dorsey described as a “great read” an article describing how Democrats should fight and win the “civil war” currently being waged in the US.

This isn’t about how much one likes or dislikes Alex Jones or InfoWars. This is about corporations deciding for you what you should be allowed to hear, read, say or think – and the people normally criticizing such behavior cheering it on, because it suits their political agenda.

As Jones’s colleague Paul Joseph Watson put it, “The great censorship purge has truly begun.”

Ask not for whom the censorship bell tolls; it tolls for thee.

Nebojsa Malic, RT

Pay Attention! Look at the money trail AFTER the foreclosure sale, by Neil Garfield


Pay Attention! Look at the money trail AFTER the foreclosure sale
Posted on July 3, 2018 by Neil Garfield
https://livinglies.wordpress.com/2018/07/03/pay-attention-look-at-the-money-trail-after-the-foreclosure-sale/

My confidence has never been higher that the handling of money after a foreclosure sale will reveal the fraudulent nature of most “foreclosures” initiated not on behalf of the owner of the debt but in spite of the the owner(s) of the debt.

It has long been obvious to me that the money trail is separated from the paper trail practically “at birth” (origination). It is an obvious fact that the owner of the debt is always someone different than the party seeking foreclosure, the alleged servicer of the debt, the alleged trust, and the alleged trustee for a nonexistent trust. When you peek beneath the hood of this scam, you can see it for yourself.

Real case in point: BONY appears as purported trustee of a purported trust. Who did that? The lawyers, not BONY. The foreclosure is allowed and the foreclosure sale takes place. The winning “bid” for the property is $230k.

Here is where it gets real interesting. The check is sent to BONY who supposedly is acting on behalf of the trust, right. Wrong. BONY is acting on behalf of Chase and Bayview loan servicing. How do we know? Because physical possession of the check made payable to BONY was forwarded to Chase, Bayview or both of them. How do we know that? Because Chase and Bayview both endorsed the check made out to BONY depositing the check for credit in a bank account probably at Chase in the name of Bayview.

OK so we have the check made out to BONY and TWO endorsements — one by Chase and one by Bayview supposedly — and then an account number that might be a Chase account and might be a Bayview account — or, it might be some other account altogether. So the question who actually received the $230k in an account controlled by them and then, what did they do with it. I suspect that even after the check was deposited “somewhere” that money was forwarded to still other entities or even people.

The bid was $230k and the check was made payable to BONY. But the fact that it wasn’t deposited into any BONY account much less a BONY trust account corroborates what I have been saying for 12 years — that there is no bank account for the trust and the trust does not exist. If the trust existed the handling of the money would look very different OR the participants would be going to jail.

And that means NOW you have evidence that this is the case since BONY obviously refused to do anything with the check, financially, and instead just forwarded it to either Chase or Bayview or perhaps both, using copies and processing through Check 21.

What does this mean? It means that the use of the BONY name was a sham, since the trust didn’t exist, no trust account existed, no assets had ever been entrusted to BONY as trustee and when they received the check they forwarded it to the parties who were pulling the strings even if they too were neither servicers nor owners of the debt.

Even if the trust did exist and there really was a trust officer and there really was a bank account in the name of the trust, BONY failed to treat it as a trust asset.

So either BONY was directly committing breach of fiduciary duty and theft against the alleged trust and the alleged trust beneficiaries OR BONY was complying with the terms of their contract with Chase to rent the BONY name to facilitate the illusion of a trust and to have their name used in foreclosures (as long as they were protected by indemnification by Chase who would pay for any sanctions or judgments against BONY if the case went sideways for them).

That means the foreclosure judgment and sale should be vacated. A nonexistent party cannot receive a remedy, judicially or non-judicially. The assertions made on behalf of the named foreclosing party (the trust represented by BONY “As trustee”) were patently false — unless these entities come up with more fabricated paperwork showing a last minute transfer “from the trust” to Chase, Bayview or both.

The foreclosure is ripe for attack.

Spread the word

The Pentagon Can’t Account for $21 Trillion (That’s Not a Typo)



Then-Secretary of Defense Robert Gates during a 2008 visit to Kosovo with U.S. Army troops on foot patrol in the town of Gnjilane. (The U.S. Army / CC BY 2.0)

The Pentagon Can’t Account for $21 Trillion (That’s Not a Typo)
By Editor May 23, 2018
The Pentagon Can’t Account for $21 Trillion (That’s Not a Typo)
Then-Secretary of Defense Robert Gates during a 2008 visit to Kosovo with U.S. Army troops on foot patrol in the town of Gnjilane. (The U.S. Army / CC BY 2.0)
http://www.theeventchronicle.com/news/north-america/the-pentagon-cant-account-for-21-trillion-thats-not-a-typo-2/
By Lee Camp

Twenty-one trillion dollars.

The Pentagon’s own numbers show that it can’t account for $21 trillion. Yes, I mean trillion with a “T.” And this could change everything.

But I’ll get back to that in a moment.

There are certain things the human mind is not meant to do. Our complex brains cannot view the world in infrared, cannot spell words backward during orgasm and cannot really grasp numbers over a few thousand. A few thousand, we can feel and conceptualize. We’ve all been in stadiums with several thousand people. We have an idea of what that looks like (and how sticky the floor gets).

But when we get into the millions, we lose it. It becomes a fog of nonsense. Visualizing it feels like trying to hug a memory. We may know what $1 million can buy (and we may want that thing), but you probably don’t know how tall a stack of a million $1 bills is. You probably don’t know how long it takes a minimum-wage employee to make $1 million.

That’s why trying to understand—truly understand—that the Pentagon spent 21 trillion unaccounted-for dollars between 1998 and 2015 washes over us like your mother telling you that your third cousin you met twice is getting divorced. It seems vaguely upsetting, but you forget about it 15 seconds later because … what else is there to do?

Twenty-one trillion.

But let’s get back to the beginning. A couple of years ago, Mark Skidmore, an economics professor, heard Catherine Austin Fitts, former assistant secretary in the Department of Housing and Urban Development, say that the Department of Defense Office of Inspector General had found $6.5 trillion worth of unaccounted-for spending in 2015. Skidmore, being an economics professor, thought something like, “She means $6.5 billion. Not trillion. Because trillion would mean the Pentagon couldn’t account for more money than the gross domestic product of the whole United Kingdom. But still, $6.5 billion of unaccounted-for money is a crazy amount.”

So he went and looked at the inspector general’s report, and he found something interesting: It was trillion! It was fucking $6.5 trillion in 2015 of unaccounted-for spending! And I’m sorry for the cursing, but the word “trillion” is legally obligated to be prefaced with “fucking.” It is indeed way more than the U.K.’s GDP.

Skidmore did a little more digging. As Forbes reported in December 2017, “[He] and Catherine Austin Fitts … conducted a search of government websites and found similar reports dating back to 1998. While the documents are incomplete, original government sources indicate $21 trillion in unsupported adjustments have been reported for the Department of Defense and the Department of Housing and Urban Development for the years 1998-2015.”

Let’s stop and take a second to conceive how much $21 trillion is (which you can’t because our brains short-circuit, but we’ll try anyway).

1. The amount of money supposedly in the stock market is $30 trillion.

2. The GDP of the United States is $18.6 trillion.

3. Picture a stack of money. Now imagine that that stack of dollars is all $1,000 bills. Each bill says “$1,000” on it. How high do you imagine that stack of dollars would be if it were $1 trillion. It would be 63 miles high.

4. Imagine you make $40,000 a year. How long would it take you to make $1 trillion? Well, don’t sign up for this task, because it would take you 25 million years (which sounds like a long time, but I hear that the last 10 million really fly by because you already know your way around the office, where the coffee machine is, etc.).

The human brain is not meant to think about a trillion dollars.

And it’s definitely not meant to think about the $21 trillion our Department of Defense can’t account for. These numbers sound bananas. They sound like something Alex Jones found tattooed on his backside by extraterrestrials.

But the 21 trillion number comes from the Department of Defense Office of Inspector General—the OIG. Although, as Forbes pointed out, “after Mark Skidmore began inquiring about OIG-reported unsubstantiated adjustments, the OIG’s webpage, which documented, albeit in a highly incomplete manner, these unsupported “accounting adjustments,” was mysteriously taken down.”

Luckily, people had already grabbed copies of the report, which—for now—you can view here.

Here’s something else important from that Forbes article—which is one of the only mainstream media articles you can find on the largest theft in American history:

Given that the entire Army budget in fiscal year 2015 was $120 billion, unsupported adjustments were 54 times the level of spending authorized by Congress.

That’s right. The expenses with no explanation were 54 times the actual budget allotted by Congress. Well, it’s good to see Congress is doing 1/54th of its job of overseeing military spending (that’s actually more than I thought Congress was doing). This would seem to mean that 98 percent of every dollar spent by the Army in 2015 was unconstitutional.

So, pray tell, what did the OIG say caused all this unaccounted-for spending that makes Jeff Bezos’ net worth look like that of a guy jingling a tin can on the street corner?

“[The July 2016 inspector general] report indicates that unsupported adjustments are the result of the Defense Department’s ‘failure to correct system deficiencies.’ ”

They blame trillions of dollars of mysterious spending on a “failure to correct system deficiencies”? That’s like me saying I had sex with 100,000 wild hairless aardvarks because I wasn’t looking where I was walking.

Twenty-one trillion.

Say it slowly to yourself.

At the end of the day, there are no justifiable explanations for this amount of unaccounted-for, unconstitutional spending. Right now, the Pentagon is being audited for the first time ever, and it’s taking 2,400 auditors to do it. I’m not holding my breath that they’ll actually be allowed to get to the bottom of this.

But if the American people truly understood this number, it would change both the country and the world. It means that the dollar is sprinting down a path toward worthless. If the Pentagon is hiding spending that dwarfs the amount of tax dollars coming in to the federal government, then it’s clear the government is printing however much it wants and thinking there are no consequences. Once these trillions are considered, our fiat currency has even less meaning than it already does, and it’s only a matter of time before inflation runs wild.

It also means that any time our government says it “doesn’t have money” for a project, it’s laughable. It can clearly “create” as much as it wants for bombing and death. This would explain how Donald Trump’s military can drop well over 100 bombs a day that cost well north of $1 million each.

So why can’t our government also “create” endless money for health care, education, the homeless, veterans benefits and the elderly, to make all parking free and to pay the Rolling Stones to play stoop-front shows in my neighborhood? (I’m sure the Rolling Stones are expensive, but surely a trillion dollars could cover a couple of songs.)

Obviously, our government could do those things, but it chooses not to. Earlier this month, Louisiana sent eviction notices to 30,000 elderly people on Medicaid to kick them out of their nursing homes. Yes, a country that can vomit trillions of dollars down a black hole marked “Military” can’t find the money to take care of our poor elderly. It’s a repulsive joke.

Twenty-one trillion.

Former Secretary of Defense Robert Gates spoke about how no one knows where the money is flying in the Pentagon. In a barely reported speech in 2011, he said, “My staff and I learned that it was nearly impossible to get accurate information and answers to questions such as, ‘How much money did you spend?’ and ‘How many people do you have?’ ”

They can’t even find out how many people work for a specific department?

Note for anyone looking for a job: Just show up at the Pentagon and tell them you work there. It doesn’t seem like they’d have much luck proving you don’t.

For more on this story, check out David DeGraw’s excellent reporting at ChangeMaker.media, because the mainstream corporate media are mouthpieces for the weapons industry. They are friends with benefits of the military-industrial complex. I have seen basically nothing from the mainstream corporate media concerning this mysterious $21 trillion. I missed the time when CNN’s Wolf Blitzer said that the money we dump into war and death—either the accounted-for money or the secretive trillions—could end world hunger and poverty many times over. There’s no reason anybody needs to be starving or hungry or unsheltered on this planet, but our government seems hellbent on proving that it stands for nothing but profiting off death and misery. And our media desperately want to show they stand for nothing but propping up our morally bankrupt empire.

When the media aren’t actively promoting war, they’re filling the airwaves with shit, so the entire country can’t even hear itself think. Our whole mindscape is filled to the brim with nonsense and vacant celebrity idiocy. Then, while no one is looking, the largest theft humankind has ever seen is going on behind our backs—covered up under the guise of “national security.”

Twenty-one trillion.

Don’t forget.

If you think this column is important, please share it. And check out Lee Camp’s weekly TV show, “Redacted Tonight.” Camp also is taping a new live stand-up special in Los Angeles on May 18 and 19. He’ll be doing over an hour of his new comedy, and special guest Jimmy Dore will be on the show. You can purchase tickets here.

Truthdig has launched a reader-funded project—its first ever—to document the Poor People’s Campaign. Please help us by making a donation.

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.

Lying Little Shit Hogg: SHOCK: David Hogg Changes Story, Wasn’t At School When Cruz Opened Fire By Peter D’Abrosca – Mar 26, 2018


SHOCK: David Hogg Changes Story, Wasn’t At School When Cruz Opened Fire
By Peter D’Abrosca – Mar 26, 2018

https://bigleaguepolitics.com/breaking-david-hogg-changes-story-wasnt-school-cruz-opened-fire/

In a not-yet-released CBS Documentary, David Hogg, Marjory Stoneman Douglas High School student who has become the face of the gun control movement, changes his entire story and admits that he was not at the school during the event.

In a Time interview done within hours of the shooting Hogg recounted, “Our first response was ‘that sounded a lot like a gun shot’ and we closed the door.” Hogg claimed that he was in his AP enviromental science class during the shooting. He also made videos of himself and other students, regarding gun control, purportedly while the shooting was going on.

But CBS News has released some transcripts from its “39 Days” documentary, in which student David Hogg is quoted.

“On the day of the shooting, I got my camera and got on my bike and rode as fast as I could three miles from my house to the school to get as much video and to get as many interviews as I could because I knew that this could not be another mass shooting,” Hogg said in his CBS News interview.

The shooting occurred in the afternoon, after alleged shooter Nikolas Cruz was dropped off after 2 PM.

“While I was in there, I thought, ‘What impact have I had? What will my story be if I die here? And the only thing I could think of was, pull out my camera and try telling others. As a student journalist, as an aspiring journalist, that’s all I could think: Get other people’s stories on tape. If we all die, the camera survives, and that’s how we get the message out there, about how we want change to be brought about,” Hogg recalled.


Watch David Hogg tell two different stories below:

Interesting. However, Hogg made some videos purportedly DURING the shooting from inside the school.

Here is Hogg’s interview with TIME magazine following the shooting in which he claimed that he was in his AP environmental science class at the time the shooting occured:

When Hogg heard a “pop” while sitting in an AP environmental science class around 2:30 p.m. Wednesday, he told his teacher it sounded strangely like a gunshot. But there had been a fire drill that very morning and talk of a “Code Red” exercise to prepare for an active shooter. This must just be a surprise drill, he reasoned.

And then the fire alarm sounded. Dutifully acting on it, Hogg and other students tried to exit the building. A janitor—Hogg doesn’t know his name but calls him an angel—knew where the shots were coming from and sent the students back. Then a culinary arts teacher, Ashley Kurth, pulled Hogg and others inside, locked the door, and made them hide in a closet. Checking Twitter and Instagram, Hogg—who’s an editor at the school’s TV station—found the news that the shooting was real and ongoing.

The shots continued for what felt like an eternity. Hogg considered the possibility that he would not live to see the end of the day.

“While I was in there, I thought, ‘What impact have I had? What will my story be if I die here?’” Hogg told TIME in the hours following the ordeal. “And the only thing I could think of was, pull out my camera and try telling others. As a student journalist, as an aspiring journalist, that’s all I could think: Get other people’s stories on tape. If we all die, the camera survives, and that’s how we get the message out there, about how we want change to be brought about.”

Pretty big contradiction there.

Here is some of “student reporter” David Hogg’s interviews with his classmates, purportedly during the shooting. By the way, there is no way Hogg could have gotten into the school during the shooting, because the Broward County Sheriff’s Office set up a perimeter around the school during the shooting, all the while refusing to enter the school to stop the bloodshed.

Here is Hogg claiming to be inside the school during the shooting.

Here are Hogg’s interviews with his classmates, purportedly during the shooting:

Sheriff Scott Israel’s Broward County Sheriff’s Office made a concerted effort to not enter the Parkland high school during February’s mass shooting, instead allowing the shooting to happen.

The mainstream media is finally reporting on police and emergency scanner audio tapes that show the full extent of the Sheriff’s Office’s complicity in the horror at Marjory Stoneman Douglas High School.

“Do not approach the 12 or 1300 building, stay at least 500 feet away,” Sheriff’s Office deputy Scot Peterson said over radio dispatch, disproving his claim that he didn’t go inside the school because he was ordered not to do so if he didn’t have body cameras on. School surveillance footage has still not been released, and is unlikely to ever be released.

Big League Politics first reported on audiotapes showing that the Sheriff’s Office set up a perimeter around the high school during the shooting, after learning that multiple people were shot dead inside the high school. The police dispatcher ordered police to “hold all perimeters” while the shooter was still at large. Thirty minutes after learning of the active shooter situation, the Sheriff’s Office was still holding its perimeter and dispatchers were reporting “The shooter is not down. The shooter is not down.”

Our reporting proved that Israel’s office lied by claiming that they only set up a perimeter around the school AFTER the shooting, not during the shooting. In fact, they set up a perimeter four minutes after learning that people were shot dead inside.

How does the purported shooter exit his Uber ride, put on full body dress, helmet, assemble his rifle, load it and start firing at targets within two minutes? By Shepard Ambellas


Teacher grazed by Parkland shooter’s bullet: ‘Shooter was in full metal garb, helmet, face mask, bulletproof armor, shooting a rifle I never seen before’
By Editor February 26, 2018

http://www.theeventchronicle.com/florida-hs-shooting/teacher-grazed-parkland-shooters-bullet-shooter-full-metal-garb-helmet-face-mask-bulletproof-armor-shooting-rifle-never-seen/

How does the purported shooter exit his Uber ride, put on full body dress, helmet, assemble his rifle, load it and start firing at targets within two minutes?
By Shepard Ambellas

PARKLAND, Fla. (INTELLIHUB) — Marjory Stoneman Douglas High School teacher Stacy Lippel was grazed by a hot bullet which left the chamber of the shooter’s gun as she closed the door to her classroom after letting a number of students file into what would presumably be safety. However, nothing could have prepared the teacher for what she was to witness next.

“I suddenly saw the shooter about twenty feet in front of me standing at the end of the hallway actively shooting down the hallway, just a barrage of bullets, and I’m staring at him thinking why are the police here,this is strange because he’s in full metal garb, helmet, face mask, bulletproof armor, shooting this rifle that I’ve never seen before,” Lippel told Good Morning America last Wednesday.

The brave teacher said she told fellow Stoneman Douglas H.S. teacher Scott Beigel, 35, to get back in his room just before the shooter fired a number of rounds into his room killing him and other students.

Lippel said the shooter fired four to five rounds into her classroom which shattered the classroom door window before the heavily-claded assassin continued his diabolic shooting spree down the hallway.

“I never really knew when he left because we all thought he was still here,” she said.

Two of Lippel’s students were fatally wounded in the attack.

Police maintain the suspect Nikolas Cruz arrived via an Uber ride at 2:19 p.m. and initiated his attack within 1 minute. If true, that would mean that Cruz would have had to suit up into full metal body armor, put on a full helmet and the whole nine yards, all the while assembling an AR-15 rifle which was purportedly packed into a duffle bag with a number of fully-loaded magazines.

An affidavit filed by the Broward County Sheriff states: “Cruz stated that he was the gunman who entered the school campus armed with an AR-15 and began shooting students that he saw in the hallways and on the school grounds. Cruz stated that he brought additional loaded magazines to the school campus and kept them hidden in a backpack until he got on campus to begin his assault.”

An NBC News report gives the official timeline of events:

Within barely two minutes of being dropped off, Cruz started firing into four classrooms in Building 12, returning to two of them to shoot again, Israel said.

Cruz then went upstairs to the second floor, where he shot one of his victims, before proceeding to the third floor, where he ditched his rifle and backpack, Israel said.

He then ran down the stairs and outside, where he blended in with hundreds of terrified students — many of them his former classmates — and eluded officers as he left campus, Israel said.

Amid the chaos he’d left behind at the school, Cruz made his way to a Walmart store, bought a drink at its Subway restaurant and walked away again, Israel said.

Such a scenario seems not only entirely unlikely but almost impossible. Not to mention the fact that prosecutors have already offered Cruz a deal to spare his life in exchange for his plead of guilt. However, if school cameras, video footage, and other hard evidence reveals that Cruz was, in fact, the shooter, why would there be a need for Cruz to plead guilty? Wouldn’t the case be cut and dry?

What exactly is going on here?

Please comment and share!

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Shepard Ambellas is an opinion journalist, analyst, and the founder and editor-in-chief of Intellihub News & Politics (Intellihub.com). Shepard is also known for producing Shade: The Motion Picture (2013) and appearing on Travel Channel’s America Declassified (2013). Shepard is a regular contributor to Infowars. Shepard is the leading journalist covering the Las Vegas Massacre, logging over 800+ hours, 130+ reports, during his ongoing investigation. Read more from Shep’s World. Follow Shep on Facebook. Subscribe to Shep’s YouTube channel.

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This article (Teacher grazed by Parkland shooter’s bullet: ‘Shooter was in full metal garb, helmet, face mask, bulletproof armor, shooting a rifle I never seen before’) was originally published on Intellihub and syndicated by The Event Chronicle.