Divorce

A perfect example of karma.

On the first day, she sadly packed her belongings into boxes, crates and suitcases. On the second day, she had the movers come and collect her things. On the third day, she sat down for the last time at their beautiful dining-room table, by candle-light; she put on some soft background music, and feasted on a pound of shrimp, a jar of caviar, and a bottle of spring-water. When she'd finished, she went into each and every room and deposited a few half-eaten shrimps dipped in caviar into the hollow centre of the curtain rods. She then cleaned up the kitchen and left. On the fourth day, the husband came back with his new girlfriend, and at first all was bliss. Then, slowly, the house began to smell. They tried everything; cleaning, mopping, and airing-out the place. Vents were checked for dead rodents, and carpets were steam cleaned. Air fresheners were hung everywhere. Exterminators were brought in to set off gas canisters, during which time the two had to move out for a few days, and in the end they even paid to replace the expensive wool carpeting. Nothing worked! People stopped coming over to visit. Repairmen refused to work in the house. The maid quit.. Finally, they couldn't take the stench any longer, and decided they had to move, but a month later - even though they'd cut their price in half - they couldn't find a buyer for such a stinky house. Word got out, and eventually even the local realtors refused to return their calls. Finally, unable to wait any longer for a purchaser, they had to borrow a huge sum of money from the bank to purchase a new place. Then the ex-wife called the man and asked how things were going. He told her the saga of the rotting house. She listened politely and said that she missed her old home terribly and would be willing to reduce her divorce settlement in exchange for having the house. Knowing she could have no idea how bad the smell really was, he agreed on a price that was only 1/10 of what the house had been worth ... but only if she would sign the papers that very day. She agreed, and within two hours his lawyers delivered the completed paperwork. A week later the man and his girlfriend stood smiling as they watched the moving company pack everything to take to their new home ..... ... and to spite the ex-wife, they even took the curtain rods! I LOVE A HAPPY ENDING, DON'T YOU? =

____________________________________________________________

Reply to:

Reply to: Ronald Fullinck All

Reply to Ronald Fullinck

Send

LOST YOUR HOME? FORECLOSURE VICTIMS CAN SUE

By Michelle Conlin

Fri Sep 14, 2012 7:04pm EDT

(Reuters) - The highest court in the state of Washington recently ruled that a company that has foreclosed on millions of mortgages nationwide can be sued for fraud, a decision that could cause a new round of trouble for the nation's banks. The ruling is one of the first to allow consumers to seek damages from Mortgage Electronic Registration Systems, a company set up by the nation's major banks, if they can prove they were harmed.
Legal experts said last month's decision from the Washington Supreme Court could become a precedent for courts in other states. The case also endorsed the view of other state courts that MERS does not have the legal authority to foreclose on a home.
"This is a body blow," said consumer law attorney Ira Rheingold. "Ultimately the MERS business model cannot work and should not work and needs to be changed."
Banks set up MERS in the 1990s to help speed the process of packaging loans into mortgage-backed bonds by easing the process of transferring mortgages from one party to another. But ever since the housing crash, MERS has been besieged by litigation from state attorneys general, local government officials and homeowners who have challenged the company's authority to pursue foreclosure actions.
A spokeswoman for MERS said the company is confident its role in the financial system will withstand legal challenges.
The Washington Supreme Court held that MERS' business practices had the "capacity to deceive" a substantial portion of the public because MERS claimed it was the beneficiary of the mortgage when it was not.
This finding means that in actions where a bank used MERS to foreclose, the consumer can sue it for fraud. If the foreclosure can be challenged, MERS' involvement would make repossession more complicated.
On top of that, virtually any foreclosed homeowner in the state in the past 15 years who feels they have been harmed in some way could file a consumer fraud suit.
"This may be the beginning of a trend," says Elizabeth Renuart, a professor at Albany Law School focusing on consumer credit law.
The company's history dates back to the 1990s, when banks began aggressively bundling home loans into mortgage-backed securities. The banks formed MERS to speed up the handling of all the paperwork associated with recording the filing of a deed and the subsequent inclusion of a mortgage in an entity that issues a mortgage-backed security.
MERS allowed the banks to save time and money because it permitted lenders to bypass the process of filing paperwork with the local recorder of deeds every time a mortgage was sold.
Instead, banks put MERS' name on the deed. And when they bought and sold mortgages, they just recorded the transfer of ownership of the note in the MERS system.
The MERS' database was supposed to keep track of where those loans went. The company's motto: "Process loans, not paperwork."
But the foreclosure crisis revealed major flaws with the MERS database.
The plaintiffs in the Washington case, homeowners Kristin Bain and Kevin Selkowitz, argued that the problems with the MERS database made it difficult, if not impossible, to determine who really owned their loan. It's an argument that has been raised in numerous other lawsuits challenging the ability of MERS to foreclose on a home.
"It's going to be very easy for consumers to say they were harmed because it's inherently misleading," says Geoff Walsh, an attorney with the National Consumer Law Center. If consumers can't identify who owns their loan, then they don't know whom to negotiate with, and can't even be certain of the legitimacy of the foreclosure.
In a statement, MERS spokeswoman Janis Smith noted that banks stopped using MERS' name to foreclose last year. She added that the opinion will "create confusion" for homeowners in the state of Washington while the trial courts consider its effect on pending cases.
Meanwhile, MERS is attempting to remake itself. The company has a new chief executive and a new branding campaign. In Washington D.C. federal lawmakers have recognized the need to create a national mortgage-recording database that would track all U.S. mortgages. MERS is lobbying to build it.
The case is Bain (Kristin), et al. v. Mortg. Elec. Registration Sys., et al., Washington Supreme Court, No. 86206-1.
(Editing by Dan Wilchins and Prudence Crowther)

MUST READ DIVORCE AGREEMENT

DIVORCE AGREEMENT- - 

WRITTEN BY A YOUNG COLLEGE STUDENT-- 

The person who wrote this is a college student. Perhaps there is hope for us after all. 

DIVORCE AGREEMENT 

THIS     IS SO INCREDIBLY WELL PUT AND I CAN HARDLY BELIEVE IT'S BY A YOUNG PERSON, A STUDENT!!! WHATEVER HE RUNS FOR, I'LL VOTE FOR HIM. 

Dear American liberals, leftists, social progressives, socialists, Marxists and Obama supporters, et al: We have stuck together since the late 1950's for the sake of the kids, but the whole of this latest election process has made me realize that I want a divorce. I know we tolerated each other for many years for the sake of future generations, but sadly, this relationship has clearly run its course. 

Our two ideological sides of America cannot and will not ever agree on what is right for us all, so let's just end it on friendly terms. We can smile and chalk it up to irreconcilable differences and go our own way.     

Here is a model separation agreement: 

--Our two groups can equitably divide up the country by landmass each taking a similar portion. That will be the difficult part, but I am sure our two sides can come to a friendly agreement. After that, it should be relatively easy! Our respective representatives can effortlessly divide other assets since both sides have such distinct and disparate tastes. 

--We don't like redistributive taxes so you can keep them. 

--You are welcome to the liberal judges and the ACLU. 

--Since you hate guns and war, we'll take our firearms, the cops, the NRA and the military. 

--We'll take the nasty, smelly oil industry and you can go with wind, solar and biodiesel. 

--You can keep Oprah, Michael Moore and Rosie O'Donnell. You are, however, responsible for finding a bio-diesel vehicle big enough to move all three of them. 

--We'll keep capitalism, greedy corporations, pharmaceutical companies, Wal-Mart and Wall Street. 

--You can have your beloved lifelong welfare dwellers, food stamps, homeless, homeboys, hippies, druggies and illegal aliens. 

--We'll keep the hot Alaskan hockey moms, greedy CEO's and rednecks. 

--We'll keep the Bibles and give you NBC and Hollywood . 

--You can make nice with Iran and Palestine and we'll retain the right to invade and hammer places that threaten us. 

--You can have the peaceniks and war protesters. When our allies or our way of life are under assault, we'll help provide them security. 

--We'll keep our Judeo-Christian values.     

--You are welcome to Islam, Scientology, Humanism, political correctness and Shirley McClain. You can also have the U.N. but we will no longer be paying the bill. 

--We'll keep the SUV's, pickup trucks and over-sized luxury cars. You can take every Volt and Leaf you can find. 

--You can give everyone healthcare if you can find any practicing doctors.     

--We'll continue to believe healthcare is a luxury and not a right. 

--We'll keep "The Battle Hymn of the Republic" and "The National Anthem." 

--I'm sure you'll be happy to substitute "Imagine", "I'd Like to Teach the World to Sing", "Kum Ba Ya" or "We Are the World". 

--We'll practice trickle-down economics and you can continue to give trickle up poverty your best shot. 

--Since it often so offends you, we'll keep our history, our name and our flag. 

Would you agree to this? If so, please pass it along to other like-minded liberal and conservative patriots and if you do not agree, just hit delete. In the spirit of friendly parting, I'll bet you answer which one of us will need whose help in 15 years. 

Sincerely, 

John     J. Wall 

Law Student and an American 

P.S. Also, please take Ted Turner, Sean Penn, Martin & Charlie Sheen, Barbara Streisand, & ( Hanoi ) Jane Fonda with you. 

P.S.S. And you won't have to press 1 for English when you call our country.     

Forward This Every Time You Get It ! Let's Keep This Going, Maybe Some Of It Will Start Sinking In!!

ARE YOU NUTS?

AMERICA'S LEADING PSYCHIATRIST CONVICTS HIMSELF OF CRIMES                               AGAINST HUMANITY

by Jon Rappoport

www.nomorefakenews.com

SEPTEMBER 2, 2012. The medical cartel, one of a handful of evolving super-cartels that strive for more power every day, is rife with so much fraud it's astounding. In the psychiatric arena, for example,                               an open secret has been bleeding out into public consciousness for the past ten years.



THERE                               ARE NO DEFINITIVE LABORATORY TESTS FOR ANY                               SO-CALLED MENTAL DISORDER.



And                               along with that:



ALL                               SO-CALLED MENTAL DISORDERS ARE CONCOCTED, NAMED,                               LABELED, DESCRIBED, AND CATEGORIZED by a committee                               of psychiatrists, from menus of human                               behaviors.



Their                               findings are published in periodically updated                               editions of The Diagnostic and Statistical Manual                               of Mental Disorders (DSM), printed by the American                               Psychiatric Association.



For                               years, even psychiatrists have been blowing the                               whistle on this hazy crazy process of                               "research."



Of                               course, pharmaceutical companies, who manufacture                               highly toxic drugs to treat every one of these                               "disorders," are leading the charge to invent more                               and more mental-health categories, so they can                               sell more drugs and make more money.



But                               we have a mind-boggling twist. Under the radar,                               one of the great psychiatric stars, who has been                               out in front inventing mental disorders, went                               public. He blew the whistle on himself and his                               colleagues. And for 2 years, almost no one                               noticed.



His                               name is Dr. Allen Frances, and he made VERY                               interesting statements to Gary Greenberg, author                               of a Wired article: "Inside the Battle to Define                               Mental Illness." (Dec.27, 2010).



Major                               media never picked up on the interview in any                               serious way. It never became a scandal.



Dr.                               Allen Frances is the man who, in 1994, headed up                               the project to write the latest edition of the                               psychiatric bible, the DSM-IV. This tome defines                               and labels and describes every official mental                               disorder. The DSM-IV eventually listed 297 of                               them.



In                               an April 19, 1994, New York Times piece,                               "Scientist At Work," Daniel Goleman called Frances                               "Perhaps the most powerful psychiatrist in America                               at the moment..."



Well,                               sure. If you're sculpting the entire canon of                               diagnosable mental disorders for your colleagues,                               for insurers, for the government, for Pharma (who                               will sell the drugs matched up to the 297 DSM-IV                               diagnoses), you're right up there in the                               pantheon.



Long                               after the DSM-IV had been put into print, Dr.                               Frances talked to Wired's Greenberg and said the                               following:



"There                               is no definition of a mental disorder. It's                               bullshit. I mean, you just can't define                               it."



BANG.



That's                               on the order of the designer of the Hindenburg,                               looking at the burned rubble on the ground,                               remarking, "Well, I knew there would be a                               problem."



After                               a suitable pause, Dr. Frances remarked to                               Greenberg, "These concepts [of distinct mental                               disorders] are virtually impossible to define                               precisely with bright lines at the                               borders."



Frances                               might have been referring to the fact that his                               baby, the DSM-IV, had rearranged earlier                               definitions of ADHD and Bipolar to permit many                               MORE diagnoses, leading to a vast acceleration of                               drug-dosing with highly powerful and toxic                               compounds.



Finally,                               at the end of the Wired interview, Frances flew                               off into a bizarre fantasy:



"Diagnosis                               [as spelled out in the DSM-IV] is part of the                               magic...you know those medieval maps? In the                               places where they didn't know what was going on,                               they wrote 'Dragons live here'...we have a                               dragon's world here. But you wouldn't want to be                               without the map."



Translation:                               People need to hope for the healing of their                               troubles; so even if we psychiatrists are shooting                               blanks and pretending to know one kind of mental                               disorder from another, even if we're inventing                               these mental-disorder definitions based on no                               biological or chemical diagnostic tests---it's a                               good thing, because people will then believe there                               is hope for them; they'll believe it because we                               place a name on                               their problems...



If                               this is medical science, a duck is a rocket                               ship.



If                               I were an editor at one of the big national                               newspapers, and one of my reporters walked in and                               told me, "The most powerful psychiatrist in                               America just said the DSM is sheer b.s. but it's                               still important," I think I'd make room on the                               front page.



If                               the reporter then added, "This shrink was in                               charge of creating the                               DSM-IV," I'd clear more room above the                               fold.



If                               the reporter went on to explain that the whole                               profession of psychiatry would collapse overnight                               if the DSM was discredited, I'd call for a special                               section of the paper to be printed.



I'd                               tell the reporter to get ready to pound on this                               story day after day for months. I'd tell him to                               track down all the implications of Dr. Frances'                               statements.



I'd                               open a bottle of champagne to toast the                               soon-to-be-soaring sales of my                               newspaper.



And                               then, of course, the next day I'd be                               fired.



Because                               there are powerful multi-billion-dollar interests                               at stake, and those people don't like their                               deepest secrets exposed in the press.



And                               as I walked out of my job, I'd see a bevy of                               blank-eyed pharmaceutical executives marching into                               the office of the paper's publisher, ready to read                               the riot act to him.



Keep                               in mind that Dr. Frances' work on the DSM IV                               allowed for MORE toxic drugs to be prescribed,                               because the definition of Bipolar was expanded to                               include more people.



Adverse                               effects of Valproate (given for a Bipolar                               diagnosis) include:



acute,                               life-threatening, and even fatal liver                               toxicity;



life-threatening                               inflammation of the pancreas;



brain                               damage.



Adverse                               effects of Lithium (also given for a Bipolar                               diagnosis) include:



intercranial                               pressure leading to blindness;



peripheral                               circulatory collapse;



stupor                               and coma.



Adverse                               effects of Risperdal (given for "Bipolar" and                               "irritability stemming from autism")                               include:



serious                               impairment of cognitive function;



fainting;



restless                               muscles in neck or face, tremors (may be                               indicative of motor brain damage).



Dr.                               Frances self-admitted label-juggling act also                               permitted the definition of ADHD to expand,                               thereby opening the door for greater and greater                               use of Ritalin (and other similar compounds) as                               the treatment of choice.



So                               what about Ritalin?



In                               1986, The International Journal of the Addictions                               published a most important literature review by                               Richard Scarnati. It was called "An Outline of                               Hazardous Side Effects of Ritalin                               (Methylphenidate)" [v.21(7), pp. 837-841].                              

Scarnati listed a large number of adverse                               affects of Ritalin and cited published journal                               articles which reported each of these symptoms.                              

For every one of the following (selected                               and quoted verbatim) Ritalin effects, there is at                               least one confirming source in the medical                               literature:

Paranoid delusions                              
Paranoid psychosis
Hypomanic and manic                               symptoms, amphetamine-like psychosis                              
Activation of psychotic symptoms
Toxic                               psychosis
Visual hallucinations
Auditory                               hallucinations
Can surpass LSD in producing                               bizarre experiences
Effects pathological                               thought processes
Extreme withdrawal                              
Terrified affect
Started screaming                              
Aggressiveness
Insomnia
Since Ritalin                               is considered an amphetamine-type drug, expect                               amphetamine-like effects
Psychic dependence                              
High-abuse potential DEA Schedule II Drug                              
Decreased REM sleep
When used with                               antidepressants one may see dangerous reactions                               including hypertension, seizures and hypothermia                              
Convulsions
Brain damage may be seen with                               amphetamine abuse.

A recent survey                               revealed that a high percentage of children                               diagnosed with bipolar had first received a                               diagnosis of ADHD. This is informative, because                               Ritalin and other speed-type drugs are given to                               kids who are slapped with the ADHD label. Speed,                               sooner or later, produces a crash. This is easy to                               call "clinical depression." Then comes Prozac,                               Paxil, Zoloft. These                               drugs can produce temporary highs, followed by                               more crashes. The psychiatrist notices the up and                               down pattern-and then comes the diagnosis of                               Bipolar (manic-depression) and other drugs,                               including Valproate and Lithium.



In                               the US alone, there are at least 300,000 cases of                               motor brain damage incurred by people who have                               been prescribed so-called anti-psychotic drugs                               (aka "major tranquilizers"). Risperdal (mentioned                               above as a drug given to people diagnosed with                               Bipolar) is one of those major tranquilizers.                               (source: Toxic Psychiatry, Dr. Peter Breggin, St.                               Martin's Press, 1991)



This                               psychiatric drug plague is accelerating across the                               land.



Where                               are the mainstream reporters and editors and                               newspapers and TV anchors who should be breaking                               this story and mercilessly hammering on it week                               after week? They are in harness.



And                               Dr. Frances is somehow let off the hook. He's                               admitted in print that the whole basis of his                               profession is throwing darts at labels on a wall,                               and implies the "effort" is rather heroic-when, in                               fact, the effort leads to more and more poisonous                               drugs being dispensed to adults and children, to                               say nothing of the effect of being diagnosed with                               "a mental disorder." I'm not talking about "the                               mental-disease stigma," the removal of which is                               one of Hillary Clinton's missions in life. No, I'm                               talking about MOVING A HUMAN INTO THE SYSTEM, the                               medical apparatus, where the essence of the game                               is trapping that person to harvest his money, his                               time, his energy, and of course his health---as                               one new diagnosis follows on another, and one new                               toxic treatment after another is undertaken, from                               cradle to grave. The result is a severely                               debilitated human being (if he survives), whose                               major claim to fame is his list of diseases and                               disorders, which he learns to wear like badges of                               honor.



Thank                               you, Dr. Frances.



Jon                               Rappoport

The                               author of an explosive collection, THE MATRIX                               REVEALED, Jon was a candidate for a US                               Congressional seat in the                               29th District of                               California. Nominated for a Pulitzer Prize, he has                               worked as an investigative reporter for 30 years,                               writing articles on politics, medicine, and health                               for CBS Healthwatch, LA Weekly, Spin Magazine,                               Stern, and other newspapers and magazines in the                               US and Europe. Jon has delivered lectures and                               seminars on global politics, health, logic, and                               creative power to audiences around the world.                              

www.nomorefakenews.com

Cool song...

http://www.youtube.com/watch_popup?v=tE0M9R1YXH0

Election update....

Upcoming Election!

Columnist Andrew McCarthy gives us what probably is the most important question regarding the upcoming presidential election....

McCarthy: "If Mitt wins the nomination, I will enthusiastically support his candidacy. For my friends who have hesitation on that score, I'd just ask you to keep four things in mind.

1.. Justice Scalia just     turned 78
2.. Justice Kennedy will     turn 78 later this year
3.. Justice Breyer will     be 76 in August
4.. Justice Ginsburg     turned 81 about a week ago.

We wish them all well, of course, but the brute fact is that whoever we elect as president in     November is almost certainly going to choose at least one and maybe more new     members of the Supreme Court — in addition to hundreds of other life-tenured federal judges, all of whom will be making momentous decisions about our lives for decades to come.

If you don't think it matters whether the guy making those calls is Mitt Romney or Barack Obama, I     think you're smokin' something funky... So for anybody who is thinking of     not voting because your favorite didn't get nominated, or writing in a candidate who can't win... Imagine this:

"SUPREME COURT JUSTICE     ERIC HOLDER"

After you have stopped gasping, kindly pass this along to your list of concerned citizens. I just did.

AUDACITY

---------------------------- Original Message ----------------------------Subject: Fw: Anyone want to know the definition of "AUDACITY"?     Please take a minute to calculate the cost - - -   it would be a comfortable annual income for a lot of folks     Anyone  want to know the definition of "AUDACITY?   HERE  IT IS!     Secret  Service Buys Two New $1.1 Million Buses for a  Three-DayPresidential Campaign Trip while Obama  flies ahead of the buses for hiscampaign  stops.      Obama  FLIES into an airport somewhere in the Midwest,  hops into one oftwo brand new $1.1 Million buses,  paid for by you and me, for a "bus"tour around  the Midwest' and, after an hour or so, gets driven  back tothe airport for ANOTHER FLIGHT, lands at  another airport, where another$1.1 Million brand  new black Canadian bus is waiting for Obama - and then, repeats all that until Obama's Midwest "bus"  tour is done!![These buses are Canadian-built, by  the way, because Obama is SOCONCERNED about  American manufacturing, creating American jobs and supporting American productivity.]     And  don't forget... those brand new shiny black  Canadian buses AREN'TDRIVEN to  the location where they meet Obama. Oh, no.They  are loadedup on one or more C-17s so they  can be flown to the destination aheadof Obama who  is flying in Air Force One.   AND!..  Believe it or not.this process is REPEATED FOR  EVERY CAMPAIGNSTOP.    During  this "bus" tour, Obama will lecture the 'little  people' on howthey need to live within their  means while hinting of possible futuregovernment  cut-backs and a need to raise revenues (aka:  taxes)!    Remember,  too, Obama's  "sage advice"  to a family man to 'GO BUY AHYBRID VAN'  when  the man said he couldn't afford to fill up his truck'!!!!!!   Obama's  personal 'carbon footprint' must be as large as  most cities bynow.        Unbelievably,  ALL of this is on the taxpayers' dime!     But  remember, this is NOT a campaign trip - It is a  "Meet With thePeople" trip  only!   Consequently,  the Democrat National Committee does NOT have to  pay acent for all of this extravagant 'campaign'  spending.    Please  forward this on to all of your taxpaying and  voting friends sothat they, too, can see  just  why the federal government needs more ofour taxes  for revenue!