Piggy Banks

California Bank & Trust student-athlete of the week feature

Logbook loans-lay down finance at the cost of your car papers

If you do not have any extra cash to pay for your pending bills and this is tickling your mind with worries, then you need to apply for logbook loans. These are long term loans which would promise sufficient money against the logbook of the car. Logbook keeps all the information related to the car or any vehicle. It includes the registration number, date of purchase and model number, etc.

Search for a lender would be effective with the use of computer and an internet connection. Online research would open the doors to the borrowers to find lenders who would issue these logbook loans at affordable rates. The terms and conditions may vary from one lender to another. Be careful while reading the terms and conditions given in the print. Otherwise, you might fall in trap of hidden costs.  The loan amount would be calculated against the cost of the car. The repayment period may vary from 3 to 7 years. You would not be verified for maintaining bad credit history. You would not be disapproved for any other bad factor like county court judgments, foreclosures, bankruptcy, etc.

Another standard term used for these loans are known as loans against your car. In order to qualify for these loans, it is required to fulfill certain conditions:

a) Should maintain citizenship with UK.

b) Must have bank account details which should not be less than 3 months old.

c) The car should not be more than 8 years old.

d) The registration should be under applicant’s name.

e) It should be free from any kind of liability.

f) The bank account details are required for easy monetary transactions.

If you would fill up the details and submit it online, it would go to the lender’s site for further verification and approval. It would be a matter of 24 hours when the loan amount would be transferred to the bank account. Utilize the money the way you would want. You can make use of it for paying the hospital bills, debt consolidation, car repairs, unplanned trips, etc. You can even use the money for home renovation and buying any property or asset.

Summary:

If you have pending bills following you behind or you have some previous debt, you can keep the papers of the car with the lender to avail logbook loans. The details of the vehicle are mentioned in the car. They are secured loans. Bad credit history would not disappoint your lender and you would qualify for these loans easily.

About the Author

Janet Martin is a permanent contributor to finance related websites, which offers information and opinion on any type of loan like secured loan against car, logbook loans, car log book loans, instant logbook loans and loans against your car visit http://www.securedloansagainstcar.co.uk

Dr. Rusty Stephens at Portland Community College

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Why MERS should be dismantled

Suing for quiet title, winning the MERS shell game

A shell game pre-supposes a gamer and the gamed.   The gamed, I would suggest, are the judges.   At this point, mostly lower circuit court judges and US district court judges.   The gamer? Well, we all know its the banks.   The banks have sold all of these notes into securitized trusts.  MERS is the shell (or shells).   MERS is owned by the banks.    MERS was created as the “New national land record repository”.  MERS purportedly stores electronic copies of promissory notes for all mortgages with a MIN number on the first page of the deed of trust and, through its own proprietary software programs, allegedly maintains updated information on who the current Holder of Record is for each note.    This registry of notes, among other more diabolical things, allows the notes to be traded like stocks on a stock exchange.        Prior to the existence of MERS, the note and the parties of direct financial interest to the note were recorded in the local land records at the County level throughout the country.   Prior to MERS’ existence, a homeowner could go into the land records and, for a couple cents a page, obtain a printed copy of their note and deed of trust and anyone with any cause for curiosity could see plainly who the actual lender with a real interest in the promissory note was.   Anyone with any flavor of  curiosity about that mortgage transaction such as the press, the IRS,  the homeowner, a homeowners’ attorney or a high school kid doing a book report on mortgages could go see who the real party of financial interest was to a promissory note for any property where real property was pledged in the form of a deed of trust to secure the note.      If someone or some bank who owned the note wanted to transfer the note through sale or gift or estate, the land records would be updated at the local level for everyone to see and a recordation tax would be paid at the time of transfer to support the people at the county clerks office providing these services.

At the advent of MERS, this bastion of our recordation system was rendered obsolete, to the detriment of every owner of real property in the United States.

Here are the problems with MERS as I see it:

An utter and complete lack of transparency, which allowed non parties of interest to initiate and effect foreclosures.      Yes, with this MERS system in place (doubly true for non-judicial foreclosure states) any party with ANY INFLUENCE OVER MERS can effect a foreclosure.    If you look at who owns MERS, it is the who’s who of mortgage originators and mortgage servicers.    Here are some of the shareholders:

American Land Title Association, Bank of America, CCO Mortgage Corporation, Chase home Mortgage Corporation of the Southeast, CitiMortgage, Inc., commercial Mortgage Securities Association, Corinthian Mortgage Corporation, EverHome Mortgage Company, Fannie Mae, First American Title insurance Corporation,  Freddie Mac, GMAC Residential Funding Corporation, Guaranty Bank, HSBC Finance Corporation, Merrill Lynch credit Corporation, MGIC Investor Services Corporation, Mortgage Bankers Association, Nationwide Advantage Mortgage Company, PMI Mortgage insurance Company,  Stewart Title Guaranty Company, SunTrust Morgage, Inc., United Guaranty Corporation, Washington Mutual Bank, Wells Fargo Bank, N.A., WMC Mortgage Corporation.

Did you notice that not only are the largest national mortgage lenders involved but also those who insure titles and those who sell default PMI insurance.   These guys made sure they had players from all over the Stratego board to protect them when it went sideways.      Well, its sideways now.

So here’s their playbook..      MERS completely obfuscates who the real party of interest is.    MERS actually has a homeowner query available at:  https://www.mers-servicerid.org/sis/ to allegedly show homeowners who their servicer and who their investor is.     But they lie to us all at this portal.      It is not clear if they even know who the investor is if all is told.      Second play:  Once a servicer decides it is time to foreclose (because they make fees foreclosing, it’s in their contract), they send an email to MERS (who has been named a beneficiary or a nominee of the beneficiary on the deed of trust for the mortgage) telling them to substitute a trustee through assignment at the county for the investor.   So MERS has one of their Robo signers sign an assignment as a VP of MERS or Assistant Secretary (even though they work for the lender and get their pay check from the lender and have never even met anyone from MERS) and they file this completely fraudulent set of documents at the County, generally  with no input from the investor..The true party of interest probably has no freakin’ clue what has transpired here.    The servicer probably has no clue who the investor is.    MERS probably has no clue either,  as these notes are traded like electronic baseball cards.     Now a segue..

The purported investor probably doesn’t own the note.    They dont know it, but in their greed, the originator, the investment bank, the DTC… none of them have actually transferred the note through endorsement to the trust and the investment bank selling the MBS to investors is committing securities fraud selling interests in these notes to investors who trust in the Goldman Sachs, Lehman Brothers or Merril Lynch brands, and unwittingly purchase them.     To cover up their fraud, deceit and in an interest to save their golden goose, the banks and investment bankers foreclose ,foreclose, foreclose.    They have their Robo-signers sign, sign, sign.  They have MERS assign ,assign, assign.     They are hoping that they can foreclose on all of these homes using MERS as their straw-man as the party at interest in court and sort out all of the dollars later.

Back to the shell game.   If MERS cannot find the note or has lost it or worse, then they dont know who the party really is, they can foreclose anyways.     They can foreclose by accident on the wrong party.    They can create whomever they want to on the assignment to foreclosure and the judges have no way of checking out if the foreclosing party is real.   Yet the judges give the lenders the benefit of doubt, unless it is challenged.    They could put Donald Duck on the foreclosure assignment as the assigning party, and in many many cases, get away with it.  They can foreclose on people who are current on their mortgage.   They can foreclose on someone who owns their home outright who has not effected an updated deed.     MERS allows anyone at anytime with any influence over MERS to foreclose on real property without any proof of standing or capacity to foreclose because the judges give the banks a presumption of correctness.  They allow foreclosure on affidavit.  They allow foreclosure on the face of a case even when the face is just a couple of  illegally signed documents for a party of interest that does not exist.   That is, unless you have a securitization audit and an attorney.      While my belief is that MERS is a monstrous fraud machine built to illegally transfer wealth from a pretend middle class to the wealthy and should be brought to the ground, I am more concerned about the complacency of the Courts.  How is it that even as this monster has been revealed across this nation in case after case after case that the Bar Associations have not demanded transparency from MERS.   Why havn’t the judges demanded it?    Why won’t congress?   Why is it that congress is even entertaining making MERS anything other than a heap of burnt rubble.  If they really do know who owns the notes why do they not have a real-time query portal where the MIN number can be typed in to find the real current up to the minute  investor?   If this transparency is not the answer then the question is not how to solve this, it is how to hide your tracks.  We know what you are hiding.  You dont care where the notes are.   Transparency does not help you when many of these subprime notes have been paid in full by PMI or credit default swaps.   It works in your favor when the judges are complacent.    They will wake up.    Landmark v Kesler will be your undoing.    “Indeed, in the event that a mortgage loan somehow separates interests of the note and the deed of trust, with the deed of trust lying with some independent entity, the mortgage may become unenforceable.”"impossible for the holder of the note to foreclose is the agent of the holder of the note. Without the agency relationship, the person holding only the note lacks the power to foreclose in the event of default. The person holding only the deed of trust will never experience default because only the holder of the note is entitled to payment of the underlying obligation. becomes ineffectual when the note holder did not also hold the deed of trust.

The practical effect of splitting the deed of trust from the promissory note is to make it impossible for the holder of the note to foreclose, unless the holder of the deed of trust is the agent of  the holder of the note. ” (From Landmark v. Kesler)

About the Author

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Where to Find Banksy Art Around the World

The guerilla artist Banksy has long been a slippery character, eluding authorities but leaving his mark all over the world. In fact, the British graffiti artist was recently nominated for a 2011 Oscar for his film “Exit Through the Gift shop” and announced a plan to maintain his anonymity at the awards ceremony. The Academy balked about it, and his film lost to “Inside job,” anyway, but it just goes to show how serious he is about keeping his identity a secret.

His works are no secret, though, and he has left them all over the world. From England to LA, New Orleans to Palestine, and from France and Greece to Australia, Banksy has made public places into an art gallery for everyone to see. Here are some good places to look when you’re out and about:

Europe

Banksy got his start in Bristol, England, and although the town authorities first saw him as a thorn in their side, they’ve now made legislation to preserve his works. One particularly famous work there is the Naked Man on the side of a sexual health clinic.

From Bristol, Banksy made his way to London. New images, many of them elaborate stencils (built for speed in evading the authorities), pop up from time to time, and many older works are still up. In fact, you can find numerous maps of London specifically showcasing the locations of his art and take a Banksy walking tour with other fans.

France and Greece are places that Banksy has visited as well, though not as much of his art is to be found in those countries. A particularly well-known piece, though, is a plain, stenciled message on a popular viewing spot for the Eiffel Tower reading “This is not a photo opportunity.” Are rare Greek showing is to be found in Corfu Town.

Across the pond in the United States, Banksy’s work has shown up in New Orleans and Los Angeles. Much of his work has satirical elements, focusing on politics and society. In one instance, he left a convincing 3d cardboard cutout of a Guantanamo Bay prisoner complete with black hood in a corner of a Disneyland ride, but employees removed it after about 30 minutes. After Hurricane Katrina devastated New Orleans in 2005, Banksy visited and created art that conveyed his impressions of the people and the ruined city.

Perhaps Banksy’s most iconic and often referred to work is in Palestine and Israel. The famous Flower Thrower graffiti shows a young man with a masked face winding up to throw what could just as easily have been a rock or a flaming bottle, but is instead a bouquet of flowers. Again, on the wall of the West Bank barrier, he painted a simple ladder with a boy playing at the bottom called “Escapism.” In 2005, Banksy created a total of 9 paintings in the area, including one of a little girl patting down an Israeli soldier for weapons.

Who knows where Banksy will show up next, but when he does it’s guaranteed that people will take notice. Perhaps someday a map of the entire world will be made with Bansky pinpoints!

About the Author

Mike Hackney writes for iCanvasArt.com – Find Banksy Canvas Art & Banksy Prints

Banksy in LA – Charlie Brown the Arsonist – 2/15/11

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The Capital In Spain Called Madrid

Madrid is relatively young when compared to the other great Spanish cities such as Seville and Valencia and so it lacks the traditions of the ancient Andalusian and Castilian towns. It lies on a vast open plateau and is subject to extremes of temperature, the daily variation is sometimes 22°C. The locals sum up their climate as nine months of winter and another 3 months of hell.

It is the nation’s chief transportation and administrative centre. Its commercial and industrial life developed very rapidly after the 1890s and today it is nation’s chief transportation and administrative centre, rivalled only by Barcelona. Besides it’s many manufacturing industries, Madrid are foremost as a banking, education, printing, publishing, tourism, and film production centre.

The general aspect of Madrid is modern, with boulevards and fashionable shopping areas, but the old quarters have picturesque streets. In the heart of the city is the Plaza Mayor, a 17th century square, built in the style of Juan de Herrera. Madrid’s loveliest gardens can found the Buen Retiro Park which opened in 1631. At the weekends street performers including musicians, tarot readers and puppet shows for children play in the park but this does bring in the crowds. Other landmarks include, El Pacicio Real, the huge and very opulent royal palace. A restored 1850 opera house and the imposing 19th-century building containing the national library, the national archives, and an archaeological museum.  Also noteworthy is the modern University City, which transferred from the town of Alcalá de Henares in 1836.

The best area in Madrid for bars and clubs is Malasana. If you arrive before 1 am you’ll find the night yet to get underway. Cool Ballroom is probably numero uno in the city. And don’t forget to end the night with the traditional Chocolate con Churrus. Madrid, as you would expect has numerous eating-place but try Casa Mingo in the Rio Manzanares. The house speciality is a whole roast chicken served with a salad and a bottle of cider. On Sunday you should head for, along with most of the population of the city, the Embajadores for the flea market on El Rastro. Most of what is on sale is junk but there are a few stalls with genuine antiques. If you’re a football fan try to obtain tickets for one of Real Madrid’s home games at the spectacular Santiago Bernabeu stadium. Here you will see the famous “galacticos” perform, or as is more usual under perform.

Madrid places host to three superb art museums, the Prado, which houses one of the finest art collections in the world including works by Veleazquez, Domenikos Theotokopoulos, Goya, Murillo, Ribera, Hieronymus Bosch, Rubens, Botticelli, Mantegna, Titian, Rembrandt, Mengs, Poussin and Gainsborough. The Thyssen-Bornemisza Museum is housed in the renovated Villahermosa Palace and is home to one of the most wide ranging private collections of European art. The Queen Sofia Museum of modern art includes turn of the 20th century Catalan Modernism, Juan Gris’ cubism, the bronze sculptures of Pablo Gargallo, some 20 canvases by Salvador Dali and Picasso’s work condemning the German bombing the town of Guernica in the Basque country during the Spanish civil war. Also worth a visit is the Monasterio de las Descalzas Reales which holds an interesting collection of treasures.

Madrid was first mentioned in the 10th century as a fortress of the Moors. Alfonso VI of Castile drove them out in 1083. The Cortes of Castile met in Madrid several times, and Ferdinand and Isabella as well as Emperor Charles V often resided there, but Madrid became the capital of Spain only in 1561, in the reign of Philip II. The city developed slowly at first, but it expanded rapidly in the 18th century under the Bourbon kings. The royal palace and the Prado date from that period. A popular uprising against the French took place at Madrid on May 2, 1808 at the beginning of the Peninsular War. A fierce battle was fought in the city’s central square, the Puerta del Sol. In reprisal, hundreds of citizens were shot at night along the Prado promenade. Goya immortalized the events of that day with two of his most celebrated paintings, both can be seen in the Prado gallery. Madrid again played a heroic role in the Spanish civil war, when, under the command of General José Miaja, it resisted 29 months of siege by the Franco’s Nationalist forces, suffering several bombardments and air attacks. It finally surrendered in late March 1939 effectively bringing the conflict to an end.

Alcalá de Henares lies some 30 km to the east of Madrid, on the Henares River. Once surrounded by wheat fields, the building of a major road has drawn it into the suburban orbit of Madrid. Chemicals, plastics, electrical appliances, leather, and china are produced in the town. Among the landmarks are a Gothic collegiate church and the former archiepiscopal palace. The new University of Alcalá de Henares was founded in 1977.

The town was called Complutum in Roman times. It is famous as the former seat of a great university founded in 1508 which subsequently transferred to Madrid in 1836. Also as the birthplace of Cervantes, Ferdinand I and Katherine of Aragon. And lastly as the scene of the Cortes in which Alfonso XI promulgated the Ordenamiento de Alcalá. The Spanish civil war saw the town severely damaged.

Other towns within the autonomous region of Madrid include Toledo, which preceded Madrid as the Spanish capital. Avila, whose old walls remain largely intact and a walk along them provides superb views of the town within and the harsh Castilian landscape outside. Segovia and it’s ancient
aqueduct which is an example of Roman engineering at it’s very best and Guadalajara.

About the Author

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