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turday, December 18, 2010
Arizona, Nevada Sue Bank of America Over Mortgage Fraud While Treasury Sits on Its Hands
The Administration’s po-faced insincerity on the mortgage crisis front is wearing thin now that other authorities are taking action against the worst abuses.
Yesterday, we had the sorry spectacle of Treasury Secretary Timothy Geithner, under questioning by Congressional Oversight Panel commissioner Damon Silvers, maintain that the Treasury really had very little power to require banks to engage in certain types of behavior under the Treasury mortgage modification program, HAMP (see the testimony starting at 101). Silvers made it quite clear that he did not buy Geithner’s claim. If you think I am reading more into Geithner’s response than is warranted, he had a longer form discussion with a small group of bloggers last August and made a similar argument when asked why Treasury had done nothing when servicers were clearly gaming HAMP. I pointed out that there was a big difference between narrow authority and broad authority, and pointed out that Treasury had lots of leverage over banks, starting with REMIC violations. He pointedly ignored the REMIC issue.
So we now have the spectacle of two state attorney generals who see mortgage modification abuses large and persistent enough to warrant filing lawsuits against Bank of America. And both their press releases and media reports on the lawsuits (sadly, the filings themselves do not yet appear to be online) make clear that some of the alleged violations took place in connection with HAMP.
So why is Treasury playing what amounts to “see almost no evil, hear almost no evil, see almost no evil” as far as HAMP in particular and banks in general are concerned?
Geithner does acknowledge problems, then either plays them down or says that they are the result of other factors. For instance, the latest argument from the officialdom is that the high level of foreclosures is to a significant degree due to high unemployment. While that is narrowly accurate, it’s also terribly convenient. It alleviates regulators like the Treasury of the obligation of looking how much servicer abuses such as erroneous application of payments and pyramiding junk fees are contributing to foreclosures. Similarly, high foreclosure rates also contribute to high unemployment. Foreclosures, particularly ones that could be avoided by doing a principal mod with a viable borrower, depress housing prices. Low and potentially falling housing prices impede housing sales generally, making it hard for homeowners to move if they get a job in another city. And a weak housing market has a general economy-depressing effect, which affects the job market. In other words, the causal link between unemployment and foreclosures is not one way.
So with Treasury having more than a bit of egg on its face with HAMP, with getting tough on banks a popular move, with the Administration in desperate need of courses of action to help boost the economy that don’t require budgetary approval from the tight-fisted incoming Republicans in Congress, you’d think reining in the worst servicer abuses would be a no-brainer. Pick on the worst outliers, hope the rest of the industry gets the message, and if not, engage in another round of public executions. But that strategy would require a bit of backbone, a quality sorely lacking in the Obama Administration.
The lawsuits against Bank of America and its affiliates make a mockery of Treasury’s passivity. They are broadly similar, both the result of investigations spurred by borrower complaints. The Arizona litigation, filed by Terry Goddard, charges Bank of America with consumer fraud as well as violation of a consent decree entered into in March 2009. The Nevada suit focuses on alleged deceptive practices in mortgage servicing, particularly in mortgage mods and foreclosures.
The statement of the Arizona AG Goddard says that the lawsuit seeks “restitution to eligible consumers and civil penalties, attorneys’ fees, and costs of investigation to the State” as well as fines of as much as $25,000 for each violation of the 2009 consent decree and up to $10,000 per violation of the Arizona Consumer Fraud Act.
Both suits include a litany of complaints heard throughout the HAMP process: homeowners told they had to default when in fact current borrowers were eligible; borrowers under consideration for mods advised that their house would not be foreclosed upon when BofA was moving forward with the foreclosure process; falsely promising to take action on mod applications within a specific time period; telling consumers that their mods would be made permanent if they successfully completed the trial period, then denying the permanent mod and giving deceptive reasons for the turndown; incorrectly informing credit bureaus that borrowers had defaulted; engaging in bait and switch on mod terms.
The language in the press release was scathing: “misleading and deceiving consumers…callous disregard…truly egregious”.
The New York Times story on the suits points out that the Arizona attorney general Goddard’s term ends in January. The parallel filings, in two neighboring states that have among the highest foreclosure rates in the nation, will hopefully make it hard for his successor to back down (how can an incoming AG retreat from a case if the one in Nevada moves forward and garners favorable press? While AGs can and do kowtow to bankers, it will be harder to do so with the lights turned up this high).
These lawsuits also serve to keep pressure on Iowa attorney general Tom Miller, who is leading the 50 state AG probe. Although Bank of America may turn out to be the worst actor, newspaper reports on HAMP abuses have reported of similar dubious conduct by other major servicers, suggesting that additional banks should also be targeted once the litigation strategy is perfected on Bank of America.
Despite Miller’s assurance that his group will seek criminal indictments where warranted, it isn’t clear that MIller will be aggressive. I was concerned when I heard him speak positively about his dealing with Michael Barr of Treasury in the first Senate Banking Committee hearings on foreclosure abuses (as in it seemed sincere rather than pro forma). Those concerns have been further stoked by reports that Miller has said privately that he does not think the fraud is serious and he anticipates everything will be worked out.
Action on the state level is the best hope to rein in banking industry abuses. Hopefully observers will recognize that the actions of the Nevada and Arizona state attorneys general make a mockery of the Treasury’s failure to seek redress and will also set a benchmark for possible measures against other banks.
Arizona, Nevada Sue Bank of America Over Mortgage Fraud While Treasury Sits on Its Hands
The Administration’s po-faced insincerity on the mortgage crisis front is wearing thin now that other authorities are taking action against the worst abuses.
Yesterday, we had the sorry spectacle of Treasury Secretary Timothy Geithner, under questioning by Congressional Oversight Panel commissioner Damon Silvers, maintain that the Treasury really had very little power to require banks to engage in certain types of behavior under the Treasury mortgage modification program, HAMP (see the testimony starting at 101). Silvers made it quite clear that he did not buy Geithner’s claim. If you think I am reading more into Geithner’s response than is warranted, he had a longer form discussion with a small group of bloggers last August and made a similar argument when asked why Treasury had done nothing when servicers were clearly gaming HAMP. I pointed out that there was a big difference between narrow authority and broad authority, and pointed out that Treasury had lots of leverage over banks, starting with REMIC violations. He pointedly ignored the REMIC issue.
So we now have the spectacle of two state attorney generals who see mortgage modification abuses large and persistent enough to warrant filing lawsuits against Bank of America. And both their press releases and media reports on the lawsuits (sadly, the filings themselves do not yet appear to be online) make clear that some of the alleged violations took place in connection with HAMP.
So why is Treasury playing what amounts to “see almost no evil, hear almost no evil, see almost no evil” as far as HAMP in particular and banks in general are concerned?
Geithner does acknowledge problems, then either plays them down or says that they are the result of other factors. For instance, the latest argument from the officialdom is that the high level of foreclosures is to a significant degree due to high unemployment. While that is narrowly accurate, it’s also terribly convenient. It alleviates regulators like the Treasury of the obligation of looking how much servicer abuses such as erroneous application of payments and pyramiding junk fees are contributing to foreclosures. Similarly, high foreclosure rates also contribute to high unemployment. Foreclosures, particularly ones that could be avoided by doing a principal mod with a viable borrower, depress housing prices. Low and potentially falling housing prices impede housing sales generally, making it hard for homeowners to move if they get a job in another city. And a weak housing market has a general economy-depressing effect, which affects the job market. In other words, the causal link between unemployment and foreclosures is not one way.
So with Treasury having more than a bit of egg on its face with HAMP, with getting tough on banks a popular move, with the Administration in desperate need of courses of action to help boost the economy that don’t require budgetary approval from the tight-fisted incoming Republicans in Congress, you’d think reining in the worst servicer abuses would be a no-brainer. Pick on the worst outliers, hope the rest of the industry gets the message, and if not, engage in another round of public executions. But that strategy would require a bit of backbone, a quality sorely lacking in the Obama Administration.
The lawsuits against Bank of America and its affiliates make a mockery of Treasury’s passivity. They are broadly similar, both the result of investigations spurred by borrower complaints. The Arizona litigation, filed by Terry Goddard, charges Bank of America with consumer fraud as well as violation of a consent decree entered into in March 2009. The Nevada suit focuses on alleged deceptive practices in mortgage servicing, particularly in mortgage mods and foreclosures.
The statement of the Arizona AG Goddard says that the lawsuit seeks “restitution to eligible consumers and civil penalties, attorneys’ fees, and costs of investigation to the State” as well as fines of as much as $25,000 for each violation of the 2009 consent decree and up to $10,000 per violation of the Arizona Consumer Fraud Act.
Both suits include a litany of complaints heard throughout the HAMP process: homeowners told they had to default when in fact current borrowers were eligible; borrowers under consideration for mods advised that their house would not be foreclosed upon when BofA was moving forward with the foreclosure process; falsely promising to take action on mod applications within a specific time period; telling consumers that their mods would be made permanent if they successfully completed the trial period, then denying the permanent mod and giving deceptive reasons for the turndown; incorrectly informing credit bureaus that borrowers had defaulted; engaging in bait and switch on mod terms.
The language in the press release was scathing: “misleading and deceiving consumers…callous disregard…truly egregious”.
The New York Times story on the suits points out that the Arizona attorney general Goddard’s term ends in January. The parallel filings, in two neighboring states that have among the highest foreclosure rates in the nation, will hopefully make it hard for his successor to back down (how can an incoming AG retreat from a case if the one in Nevada moves forward and garners favorable press? While AGs can and do kowtow to bankers, it will be harder to do so with the lights turned up this high).
These lawsuits also serve to keep pressure on Iowa attorney general Tom Miller, who is leading the 50 state AG probe. Although Bank of America may turn out to be the worst actor, newspaper reports on HAMP abuses have reported of similar dubious conduct by other major servicers, suggesting that additional banks should also be targeted once the litigation strategy is perfected on Bank of America.
Despite Miller’s assurance that his group will seek criminal indictments where warranted, it isn’t clear that MIller will be aggressive. I was concerned when I heard him speak positively about his dealing with Michael Barr of Treasury in the first Senate Banking Committee hearings on foreclosure abuses (as in it seemed sincere rather than pro forma). Those concerns have been further stoked by reports that Miller has said privately that he does not think the fraud is serious and he anticipates everything will be worked out.
Action on the state level is the best hope to rein in banking industry abuses. Hopefully observers will recognize that the actions of the Nevada and Arizona state attorneys general make a mockery of the Treasury’s failure to seek redress and will also set a benchmark for possible measures against other banks.
Dec 17, 2010
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India, China sign trade deals worth $ 16 billion Wen Jiabao
The volume of bilateral trade between the two countries to about $ 60 billion in this fiscal year
The companies signed contracts for Indian and Chinese deals valued at $ 16 billion on the opening day visit of Prime Minister Wen Jiabao to India, which continued for three days.
Wen's visit, and represent the latest in a series of visits of world leaders to India. Wen was accompanied by about 400 senior Chinese businessmen.
China is the largest trading partner of India, as the volume of bilateral trade between the two countries to about $ 60 billion in this fiscal year.
The cabinets will meet Chinese President and Indian Prime Minister Manmohan Singh Thursday.
There have been Chinese and Indian firms approximately 50 transactions in the areas of energy, telecommunications, steel, wind energy investment, food and marine products as much as values of $ 16 billion at the end of a business conference attended by Wen in the Indian capital Delhi on Wednesday evening.
And the superiority of these deals are the $ 10 billion trade agreements signed by India with American businessmen during the visit of U.S. President Barack Obama's recent visit to India.
Addressing the conference, saying Wayne: "There is enough space in the world for the development of both China and India, and there is sufficient space in which to collaborate."Large delegation
There is room enough in the world for the development of both China and India, and there is sufficient space in which to collaborate
Chinese Prime Minister Wen Jiabao
Has brought the Chinese prime minister with one of the largest delegations of Chinese business leaders have never visited India, a Chinese delegation of this size.
Some observers say that the size of the Chinese delegation dwarf in terms of numerical and delegations of business leaders the other principal, who visited India in recent weeks, as is the case with the delegation that accompanied President George Obama (215) and French President Nicolas Sarkozy (over 60) and British Prime Minister David Cameron ( 40).
The Prime Minister will travel to China later this week to Pakistan's nuclear rival neighbor for India in the two-day visit.
Analysts say that despite the booming bilateral trade with China, but that this relationship to turn out to India, the largest amount of interest that asks.
India is demanding entrance to the markets of the largest pharmaceutical trade and the Information Industry of China, where aspiring to balance the trade surplus, which tilts in favor of China at about $ 25 billion.
He said the Chinese envoy to India Zhang Yan told reporters ahead of Wen's visit, "Relations are very fragile and very easy to destroy it is very difficult to fix so you need special care in the information age."
Were tested relations between the two countries in August, when India put off defense exchanges with China after China refused to grant a visa to General of the Indian region of Kashmir.
Last year, India protested the establishment of China to issue visas on the papers separate people from the area of Kashmir under Indian administration does not look like traditional visas granted to Indian nationals others. China did not give an explanation for this step.
Holiday tree birthday worth $ 11 million
Abu Dhabi: Holiday tree birthday worth $ 11 million
Believed that the tree is the most expensive of its kind in the world
Set up a luxury hotel in Abu Dhabi in the entrance to a tree decorated with jeweled birthday gala say to be worth $ 11 million.
The tree is decorated with jewels and gems, in addition to the traditional Kalkrat ornamental and colorful lamps.
The director of the hotel Olbertz The value of the tree for the same does not exceed ten thousand dollars, but jewelry that were used in decorating adding 11 million dollars to its value.
He also pursued that the marketing team at the hotel is the one who came out the idea of decorating the tree this way.
The hotel celebrates Christmas tree erected every year, but he felt that he doing something different this year.
Abu Dhabi
Include ornamental necklaces, bracelets and watches studded with precious stones
Although the vast majority of the population of Abu Dhabi from the Muslims, ruled out his tree Olbertz hurt feelings, he says that the emirate ", liberal and very tolerant."
Olbertz said that his hotel, Hotel (Emirates Palace - Emirates Palace) will submit a request to the Foundation of World Records for the classification tree as the most expensive
Believed that the tree is the most expensive of its kind in the world
Set up a luxury hotel in Abu Dhabi in the entrance to a tree decorated with jeweled birthday gala say to be worth $ 11 million.
The tree is decorated with jewels and gems, in addition to the traditional Kalkrat ornamental and colorful lamps.
The director of the hotel Olbertz The value of the tree for the same does not exceed ten thousand dollars, but jewelry that were used in decorating adding 11 million dollars to its value.
He also pursued that the marketing team at the hotel is the one who came out the idea of decorating the tree this way.
The hotel celebrates Christmas tree erected every year, but he felt that he doing something different this year.
Abu Dhabi
Include ornamental necklaces, bracelets and watches studded with precious stones
Although the vast majority of the population of Abu Dhabi from the Muslims, ruled out his tree Olbertz hurt feelings, he says that the emirate ", liberal and very tolerant."
Olbertz said that his hotel, Hotel (Emirates Palace - Emirates Palace) will submit a request to the Foundation of World Records for the classification tree as the most expensive
Dec 16, 2010
Facebook founder Personal 2010
Time magazine choose personal Facebook founder in 2010
Named Time magazine's Mark Zuckerberg, the founder of the American site Facebook to connect social Person of the year 2010.
Mark Zuckerberg
Tthagdr Forbes magazine wealth Zuckerberg about $ 6.9 billion
The founding of the Facebook site the subject of a film produced in 2010, and subjected to a life of billionaire Zuckerberg, 26 years of age.
Zuckerberg was chosen for this title, although the founder of the site Wikileaks is Julian Asanj readers who won a referendum conducted by Time magazine on the most influential figures in 2010.
Personality of the Year has been the subject of Pope constant in Time magazine since the twenties of the last century, where the personal to the winner on the cover page.
It was more of 382 thousand of the readers of Time Asanj nominated for the title of Personality of the Year, while his Zuckerberg on less than 20 thousand votes, putting him in tenth place.
Said Richard Stengjil editor of Time that the Facebook site, "change the manner in which we live our lives every day."
The Zuckerberg co-founder of the site when he was a student at Harvard University in 2004.
It uses facebook now more than 500 million people around the world, and has a staff of more than 1700.
Zuckerberg said he was pleased by Time magazine selected him, describing him as "a real honor."
It is believed that the wealth of Zuckerberg - who has pledged to donate Bncefha earlier this December - amounting to $ 6.9 billion.
Zuckerberg was named in the list of 17 American billionaires have vowed to donate half of their wealth, at least in part of a charity initiative led by two of the biggest man in the world are global investor Warren Buffett and Microsoft founder Bill Gates.
Zuckerberg had donated earlier this year, shares in his company worth $ 100 million for schools in New Jersey.
The release of the founder of Wikileaks
British court rejects appeal of Sweden and released the founder of Wikileaks
Can Altencgel using "Real Player", or "Windows Media Player
British court Thursday rejected an appeal Swedish seek the continued detention of Julian Asanj founder of Wikileaks, and decides to release him on bail and conditions.
He has represented Asanj before the court in London, after more than a week of detention, to consider the case for his extradition to Sweden.
A court in London ruled on Tuesday demanded the release unconditional Asanj pending rule will not be before early next year on the deportation to Sweden.Julian Asanj
Would be released, but parole and bail
But the Swedish Prosecutor appealed the decision, forced founder of the Wikileaks site and to stay in detention.
With this decision will be released on condition that the wearing of Asanj gasket electronically to locate him constantly, and is committed to stay in the house of one of his supporters at a distance of 200 km north-east of England.
Can Altencgel using "Real Player", or "Windows Media Player
British court Thursday rejected an appeal Swedish seek the continued detention of Julian Asanj founder of Wikileaks, and decides to release him on bail and conditions.
He has represented Asanj before the court in London, after more than a week of detention, to consider the case for his extradition to Sweden.
A court in London ruled on Tuesday demanded the release unconditional Asanj pending rule will not be before early next year on the deportation to Sweden.Julian Asanj
Would be released, but parole and bail
But the Swedish Prosecutor appealed the decision, forced founder of the Wikileaks site and to stay in detention.
With this decision will be released on condition that the wearing of Asanj gasket electronically to locate him constantly, and is committed to stay in the house of one of his supporters at a distance of 200 km north-east of England.
Osanj will move to live in a country house near the village of Ancient Bangui on the border between Norfolk and Suffolk East of England. And return home to the family of Vaughan Smith, a Asanj friends.
In the meantime, continue to site Wikileaks published in the American diplomatic cables, and was most recently published Wednesday on the former Cuban President Fidel Castro, as U.S. diplomats predicted the death of Castro in 2006, which did not happen.
About the founder of Wikileaks Julian OsanjOsanj
Julian Asanj superior in mathematics and is required under a European arrest warrant
Julian Osanj is in the eyes of his audience, calling valiant for truth. But in the eyes of his critics Researcher for fame lives of many of the risk presented by this vast amount of sensitive information to the public.
Osanj and described by those who have worked with him as reckless and extraordinarily intelligent, and enjoys an exceptional ability to breach computer codes.
And Osanj which is much movement, manages and insiders of temporary sites and different places.
According to the correspondent of the magazine "New Yorker" Ravi Ki_adourean, can Osanj to go several days without food, focusing on the work without adequate sleep.
He adds: "It creates an atmosphere around him, so that makes it close to him want to take care of him in order to continue in the tender."
He adds: "Maybe to do with the charisma that has it."
Osanj and frequency in the detection of background, but the media attention since the emergence of the insiders gave her the idea.
Julian was born in Townsville, Queensland Asanj northern Australia in 1971, and lived his childhood on the move with his parents ran a theater, which were mobile.
He had a child in Rabia eighth century, and soon the problems started to run legal battles for the right to custody.
Development of the Internet has provided an opportunity to use their success in the field of mathematics, but that in turn caused him problems.
Charged in 1995 with a friend of his dozens of electronic piracy activities.
Despite the skill set to track the hackers who investigators hounding her, but he was arrested and pleaded guilty Asanj, bail and remained outside the prison on the condition that I did not repeat.
He then spent three years working with the Academy Soelet Dreyfus as she was looking for emerging areas of the Internet, and prepared with a book has become bestsellers.
Dreyfus Osanj described as "very skilled researcher" is very interested in the concepts of morality and justice, and for governments to do and not do. "
Athletic SkillsA controversial figure
Model of the game to Sang in the city of Naples
Julian Asanj superior in mathematics and is required under a European arrest warrant
Julian Osanj is in the eyes of his audience, calling valiant for truth. But in the eyes of his critics Researcher for fame lives of many of the risk presented by this vast amount of sensitive information to the public.
Osanj and described by those who have worked with him as reckless and extraordinarily intelligent, and enjoys an exceptional ability to breach computer codes.
And Osanj which is much movement, manages and insiders of temporary sites and different places.
According to the correspondent of the magazine "New Yorker" Ravi Ki_adourean, can Osanj to go several days without food, focusing on the work without adequate sleep.
He adds: "It creates an atmosphere around him, so that makes it close to him want to take care of him in order to continue in the tender."
He adds: "Maybe to do with the charisma that has it."
Osanj and frequency in the detection of background, but the media attention since the emergence of the insiders gave her the idea.
Julian was born in Townsville, Queensland Asanj northern Australia in 1971, and lived his childhood on the move with his parents ran a theater, which were mobile.
He had a child in Rabia eighth century, and soon the problems started to run legal battles for the right to custody.
Development of the Internet has provided an opportunity to use their success in the field of mathematics, but that in turn caused him problems.
Charged in 1995 with a friend of his dozens of electronic piracy activities.
Despite the skill set to track the hackers who investigators hounding her, but he was arrested and pleaded guilty Asanj, bail and remained outside the prison on the condition that I did not repeat.
He then spent three years working with the Academy Soelet Dreyfus as she was looking for emerging areas of the Internet, and prepared with a book has become bestsellers.
Dreyfus Osanj described as "very skilled researcher" is very interested in the concepts of morality and justice, and for governments to do and not do. "
Athletic SkillsA controversial figure
Model of the game to Sang in the city of Naples
This was followed by a session of the mathematics and physics, he joined the University of Melbourne, where it is a prominent member of the community of mathematics, mathematics and invented the question of informed contemporaries classified as excellent.
The Wikileaks website was launched in 2006, with a group of owners of similar ideas to his ideas, innovative "dead letter box" on the Internet, as a project of leaks.
He said Osanj for "BBC" earlier this year: "in order to keep our resources in safety, we had to distribute the assets, Nschwr all, to convey telecommunications as well as individuals around the world to activate the protective laws in the countries of legislation judicial different."
He added: "We have become proficient in it, did not lose one day cause or source. But we can not expect everyone to understand the extraordinary efforts we are making."
Said Daniel Schmidt, a founding partner, The Osanj is "one of the few really care about positive reform in the world, to the extent you want to do something radical may you fall into error, only for doing something they believe."
Wikileaks published documents from different countries, but did not occupy the headlines, however, until April, when it released a video picked up a U.S. helicopter in Iraq in 2007. And caused the images transmitted by the media shocked and wide in the world.
Then, he entered Osanj into the spotlight to defend the video, Mavp to the publication of secret U.S. military documents for the wars in Iraq and Afghanistan in July and in July two years.
But reporters saw that he could prove that what has a long way off, and that the way the website is still shrouded in secrecy.
From Wikileaks to the arrest warrant
In another shift in his career the controversial Swedish prosecutors issued an international arrest warrant against him, on charges of rape and sexual harassment.
These charges emerged after Osanj visited Sweden in August 2010, concerning the two women established a relationship with them, his lawyer confirms that they orchestrated.
Asanj say that the charges fall within the framework of this campaign to discredit him on the back of his website.
An investigation was conducted in the case, but he dropped a few days. Swedish prosecutors to re-file and opens in September.
On November 24, 2010, a Swedish court rejected an appeal by Osanj note against his arrest. The Supreme Court is currently considering the matter.
After the publication of Wikileaks site and thousands of U.S. secret diplomatic cables, the Minister of Foreign Affairs of Ecuador, a country on a political dispute with the United States, permanent residence and unconditional Osanj.
But Ecuadorean President Rafael Correa said later that the offer made by the Minister Ricardo Patino was confirmed by the minister himself and the President of the Republic.
Dec 15, 2010
Yahoo to end services 650 employees
Reports: Yahoo to end services 650 employees
Wednesday, 15 December 2010 last updated 09:58 (GMT 0400)
This step comes within the attempts to cut costs
San Francisco, United States of America (CNN) - According to media reports that the company "Yahoo," intended to lay off about 600 to 650 employees, accounting for five per cent of the workforce.
The dispensing with the services of staff within the attempts to CEO Carol Bartz to minimize the cost, and reposition the company to the stage of growth.
The newspaper "Financial Times, " the unnamed source as saying that the staff who will complete their services, be viewing messages, starting on Tuesday.
The reductions will be targeted range of products, Yahoo, such as company news and sports pages and money, as well as e-mail service used on a large scale, as reported in the "Wall Street Journal."
And laying off staff in "Yahoo, comes on the opposite steps taken by other Internet companies, including Google, which announced last month that more than 23 thousand employees, and they will receive an increase in wages by 10 per cent in January next .
Dec 12, 2010
Justin_Bieber now "baby"
h woahh, oh woahh, oh woahhh
You know you love me
I know you care
And I would never, not be there
You are my love
You are my heart
And we would never, ever, ever be apart
Are we an item?
Girl quit playin'
We're just friends,
What are you sayin'
Take another look right in my eyes
My first love, broke my heart for the first time
And now I'm like
Baby, baby,babynoo
I'm like
Baby, baby,babynoo
I'm like
Baby, baby,baby noo
I thought you'd always be mine (mine)
Baby, baby,baby noo
I'm like
Baby, baby,babynoo
I'm like
Baby, baby, baby noo
I thought you'd always be mine
For you, I would have done whatever
and no i can't believe we're not together
And I'm gonn' play it cool
While I'm losin you
I'll buy you anything
I'll buy you any ring
Cause I'm in pieces
so come fix me
shake me til' you can wake me from this bad dream*
I'm goin down, down, dooown
*everybody!*
Baby, baby, babynoo
I'm like
Baby, baby, baby noo
I'm like
Baby, baby, baby noo
I thought you'd always be mine (mine)
Baby, baby, baby noo
I'm like
Baby, babybaby noo
I'm like
Baby, baby, baby ohh
I thought you'd always be mine
You can give me all of your love
just this time it wont be enough
Nobody told me this day would come
Now I'm all gone
You can give me all of your love
just this time it wont be enough
Nobody told me this day would come
I wa- I was like
Baby, baby, babynoo
I'm like
Baby, baby,babynoo
I'm like
Baby, baby,babynoo
I thought you'd always be mine (mine)
Yeahh, yeah, yeah
Yeahh, yeah, yeah
Yeahh, yeah, yeah
Yeahh, yeah, yeah
Yeahh, yeah, yeah
Now I'm all gone, gone, gone, gone
I'm gon
Dec 10, 2010
Who wins Chinese dissident Liu Xiapu winning the Nobel Prize or CPC 11/12 \ 2010
Nobel Committee: You must release Liu Xiaobo
Launched in the Norwegian capital of Oslo ceremony of the Nobel Peace Prize this year for the Chinese dissident Liu Xiaobo his absence convicted and Central senior Chinese anger...
And invited the Chairman of the Nobel Prize Committee Thorbjoern Jagland China to release Liu - who is serving a sentence for a period of 11 years in China on charges of trying to undermine the system of government - immediately. Liu has represented at the ceremony empty-chair.
Jagland praised China in his speech for its success in lifting millions of people from the edge of poverty. He described this achievement as a "great achievement", but warned Beijing at the same time that the new status as a major global dictate them to "deal with the criticism in a positive spirit"
Jagland Gunn said the Nobel Committee calls for the release of Liu immediately, saying "he had not committed what deserves to be imprisoned for him."
Chinese Communist Party
And invited the Chairman of the Nobel Prize Committee Thorbjoern Jagland China to release Liu - who is serving a sentence for a period of 11 years in China on charges of trying to undermine the system of government - immediately. Liu has represented at the ceremony empty-chair.
Jagland praised China in his speech for its success in lifting millions of people from the edge of poverty. He described this achievement as a "great achievement", but warned Beijing at the same time that the new status as a major global dictate them to "deal with the criticism in a positive spirit"
Jagland Gunn said the Nobel Committee calls for the release of Liu immediately, saying "he had not committed what deserves to be imprisoned for him."
Chinese Communist Party
Chinese Communist Party was founded in July 1921, the number of its members today 391.72 million (as of end 2006).
From 1921 - 1949, the CPC led the Chinese people in their arduous struggles and dropped the rule of imperialism, feudalism and bureaucrat-capitalism, and founded the People's Republic of China. After the founding of the Republic, the CPC led the Chinese people Bakomyate different in the maintenance of the country's independence, security and the successful realization of the transformation of Chinese society from the stage's new democracy to the stage of socialism and to build socialist planned on a large scale, and made great developments in the areas of economy and culture is unprecedented in the history of China.
After the completion of the socialist transformation of private ownership of means of production, mainly in 1956, and due to lack of experience, the Chinese Communist Party has committed some errors during the leadership of socialist construction. It is 1966 - 1976, there was again a serious error, a "cultural revolution" that affected the general situation for a long time.
In October 1976, ended the "cultural revolution", China entered a new era of development in history. And the convening of the Third Plenary Session of the Eleventh Central Committee of the Communist Party of China the end of 1978, check the turn with a great deep meaning after the founding of new China. Beginning in 1979, the CPC began to apply the policy of reform and opening to the outside world initiated by Deng Xiaoping. Since then, there has been economic development and social achievements of the prestigious national attract the attention of the world, changes have occurred in China, the volatility of the face of the earth, and the situation in this period, the best, and benefits obtained by more people since the founding of new China.
Includes the central body of the Chinese Communist Party National Congress and Central Committee and Politburo of the Central Committee and its Standing Committee and the Secretariat of the Central Committee and Central Military Commission and the Central Commission for Discipline Inspection. Convened once every five years. In the period between each national congress, the Central Committee of the senior leadership of the Communist Party of China. Secretary-General of the Central Committee is the following: Hu Jintao
The nature of the Chinese Communist Party
Chinese Communist Party is the vanguard of the working class, the faithful representative of the interests of people of differentChinese ethnic groups, and the core leadership of the socialist cause of China.
To achieve his ultimate goal of the communist social system.
Chinese Communist Party takes Marxism-Leninism and Mao Zedong Thought and Deng Xiaoping Theory as a guide to its ideas.
Basic line of the Communist Party of China in the initial phase
Of socialism: the leadership and unite people of different nationalities in the country, to take the center of economic construction, upholding the Four Cardinal Principles and the reform and opening-up, self-reliance and hard work, struggle to build a modern socialist state is rich in strong, democratic and civilized.
Adherence to the socialist road, upholding the dictatorship's Democratic Republic, led by adherence to the Communist Party of China, adhere to Marxism-Leninism, Mao Zedong, the opposition liberal tendencies of the bourgeoisie.
Stick to the Chinese Communist Party leadership of the People's Liberation Army and People's Armed Forces other.
Four fundamental principles of the Party building
1 - stick to the Communist Party line.
2 - Adherence to edit ideas and seeking truth from fact.
3 - stick to serve the people honestly and sincerely.
4 - adherence to democratic centralism.
Oct 3, 2010
best-secured-loans
Some underlying potential problems connected with secured loans.
Some underlying potential problems connected with secured loans If you have made a secured loan or you are just thinking about it, read about some potential problems that can appear during the payment period. One shouldn’t forget that the lenders (secured) are quite strict and in case your payments are not regular and even if you have no opportunity to make regular payments your house may be seized.
So, this is the first problem you may face. Actually foreclosure one of the most unpleasant and the most risky sight of making secured loans. In case your car, yacht are confiscated, this procedure is called repossession. As a matter of fact these procedures may be caused by falling behind on the payments. The banks are not interested in foreclosure and repossession, because they draw attention to these banks and to their work. Hardly any bank will like this regulatory attention. So, as you see, foreclosure and repossession create problems not for the borrowers only, but for the lenders. If you want to solve the problem, just contact the bank and inform them that it’s problematic and difficult for you to make repayments regularly.
If you have taken out a mortgage (a large sum to purchase a new house), the bank may excuse your nonpayment for a little. But when you recommence your regular payments, you may be asked to pay extra money. It’s a kind of a fine to liquidate the past-due sum.
One more problem is connected with refinancing. You may get refinancing loans to make regular repayments. In the result you’ll have to pay a large sum (much larger) for a longer period. Sure, the best variant for you is not to make a refinancing loan at all, but if you are nailed, buy the precious time not to lose the house. Refinancing is good to solve your temporary problems (JUST temporary, but not permanent!) with making regular repayments.
The worst things happen when it’s impossible to avoid foreclosure. In some cases you can make an agreement with a lender to put off the terms of foreclosure or to get additional period of time to make repayments. But in many cases you’ll have to sell your house to pay off. Any way, it’s much better to sell the house than to lose it because of the foreclosure. You should also know that you won’t lose your house at once. In many cases it means that you’ll have some time to make payments. The terms of reinstatement can be discussed and negotiated. Actually, it depends on the bank (the lender), the cost of your house and your payment capabilities.
But even here you may have some problems with selling a house! If the payback (after selling your house) doesn’t cover the debt, the lenders will be more open to letting you get a reinstatement program. It will help you to make needed repayments. But if the cost and the value of your house are much higher, you may really lose your house faster without getting a reinstatement program at all.
Sure, to avoid problems with making secured loans explore all the underlying potential problems connected with them. Check out all the details of the agreement with a highly qualified lawyer to be prepared for all eventualities. It will do you a lot of good.
Some underlying potential problems connected with secured loans If you have made a secured loan or you are just thinking about it, read about some potential problems that can appear during the payment period. One shouldn’t forget that the lenders (secured) are quite strict and in case your payments are not regular and even if you have no opportunity to make regular payments your house may be seized.
So, this is the first problem you may face. Actually foreclosure one of the most unpleasant and the most risky sight of making secured loans. In case your car, yacht are confiscated, this procedure is called repossession. As a matter of fact these procedures may be caused by falling behind on the payments. The banks are not interested in foreclosure and repossession, because they draw attention to these banks and to their work. Hardly any bank will like this regulatory attention. So, as you see, foreclosure and repossession create problems not for the borrowers only, but for the lenders. If you want to solve the problem, just contact the bank and inform them that it’s problematic and difficult for you to make repayments regularly.
If you have taken out a mortgage (a large sum to purchase a new house), the bank may excuse your nonpayment for a little. But when you recommence your regular payments, you may be asked to pay extra money. It’s a kind of a fine to liquidate the past-due sum.
One more problem is connected with refinancing. You may get refinancing loans to make regular repayments. In the result you’ll have to pay a large sum (much larger) for a longer period. Sure, the best variant for you is not to make a refinancing loan at all, but if you are nailed, buy the precious time not to lose the house. Refinancing is good to solve your temporary problems (JUST temporary, but not permanent!) with making regular repayments.
The worst things happen when it’s impossible to avoid foreclosure. In some cases you can make an agreement with a lender to put off the terms of foreclosure or to get additional period of time to make repayments. But in many cases you’ll have to sell your house to pay off. Any way, it’s much better to sell the house than to lose it because of the foreclosure. You should also know that you won’t lose your house at once. In many cases it means that you’ll have some time to make payments. The terms of reinstatement can be discussed and negotiated. Actually, it depends on the bank (the lender), the cost of your house and your payment capabilities.
But even here you may have some problems with selling a house! If the payback (after selling your house) doesn’t cover the debt, the lenders will be more open to letting you get a reinstatement program. It will help you to make needed repayments. But if the cost and the value of your house are much higher, you may really lose your house faster without getting a reinstatement program at all.
Sure, to avoid problems with making secured loans explore all the underlying potential problems connected with them. Check out all the details of the agreement with a highly qualified lawyer to be prepared for all eventualities. It will do you a lot of good.
The world's most expensive wedding dress
Made of ostrich feathers more natural ostrich feather of 2009, work on it eight Mtrzyn worlds for a period of forty days
Price and a half million dollars
Price and a half million dollars
10 Most Expensive Paintings in the World
10. $78,100,000. Pierre-August Renoir – Le Moulin de la Galette. At the time of its sale in 1990, it was the second most expensive painting ever sold. This masterpiece even went to the same person that bought number one at the time, Daishowa Paper Manufacturing Co. chairman Ryoei Saito. Again, he wanted this one cremated with him as well, but his companies ran into problems with and debt so it had to be sold on as collateral.
9. $80,000,000. Jasper Johns – False Start. Another painting formerly owned by Geffen and allegedly sold to CEO of the Citadel Group, Kenneth C. Griffin, making it the most expensive painting to be sold by a living artist, the iconic Jasper Johns.
8. $82,500,000. Vincent van Gogh – Portrait of Dr. Gachet. Up for auction in 1990 and purchased by Japanese businessman Ryoei Saito, this was – at the time- the most expensive painting in the world. Saito (then 75) caused controversy at the time, stating that when he died, he’d have the painting cremated along with him. This was later cleared up as he claimed that he was only using the expression to show his intense affection for it.
7. $86,300,000. Francis Bacon – Triptych, 1976. Breaking the previous sale record of his work ($52.68 million), Bacon’s 3-piece masterpiece was sold to Russian billionaire Roman Abramovich, smashing the previous estimate of $70 million.
$87,900,000. Gustav Klimt – Portrait of Adele Bloch-Bauer II. The only model to be painted twice by Klimt and sold a few months after the first version, this portrait of Bloch-Bauer was part of a lot in 2006 of four Klimt paintings that went on to fetch a total of $192 million. Buyer unknown. other paintings by Gustav Klimt
$95,200,000. Pablo Picasso – Dora Maar au Chat. Another Picasso, the second highest price ever fetched at auction, and another anonymous buyer. Auctioned in 2006, a mysterious Russian bidder took this home (along with a Monet and a Chagall, spending over $100 million) and no one has since found out who he was. The ownership of the painting has still not been made public.
$104,200,000. Pablo Picasso – Garçon à la pipe. So far the highest price a painting has ever fetched at auction (as the others were all sold privately), and was the first painting to break the $100 million barrier (it was sold in 2004, whilst 1-3 were all in 2006). The strange thing is that it was never made public as to who expressed such an interest in Picasso’s portrait of a smoking Parisian.
$135,000,000. Gustav Klimt – Portrait of Adele Bloch-Bauer I. This was sold by Maria Altmann, who – after a lengthy and complicated court battle – was deemed rightful owner of this Klimt and several others. Altmann was named as an inheritor of the painting in the will of by the widowed husband of the model herself, despite the efforts of the Austrian State, as Adele Bloch-Bauer had originally left the painting to the State Gallery in her own will. The painting was bought by Ronald Lauder for his NeueGalerie in New York
$137,500,000. Willem de Kooning – Woman III. Another painting sold by Geffen in 2006, but this time bought by billionaire Steven A. Cohen. It is part of a series of 6 painted by de Kooning in the period of 1951-53, which revolved around the theme of a woman, and is allegedly the only Woman still in private hands.
$140,000,000. Jackson Pollock – No.5, 1948. It is claimed by the New York Times that this painting was sold by David Geffen (of Geffen Records), to David Martinez (managing partner of Fintech Advisory). However, a press release issued on behalf of Martinez
Oct 1, 2010
BFXArabia Tæknileg greining á olíu og gulli 2010/01/10
BFXArabia Technical analysis for oil and gold 01/10/2010
Points of support and resistance to the metals market (oil, gold, silver) 10/01/2010
Peace, mercy and blessings of God,
Attached below a list of points of support and resistance for daily metal market (oil, gold, silver) generated by the Department of strategies and market research company in BFXARABIA for the day Friday, 10.01.2010 may be that you return the profits, God willing,
Technical analysis for gold 01/10/2010
It strives strategies and market research company in BFXARABIA to provide technical analysis of gold Gold trading strategies of donors rolling gold against the U.S. dollar to come back and wished him the profits.
Technical Analysis of Gold Gold - specify the path General Trend
Fluctuations in the prices of gold during the last Tdaollagha yesterday but without the change, which closed the trading of gold futures for October delivery date of 2010 (Code GCV10) yesterday at a reading of $ 1307.80 per ounce compared with the reading of $ 1308.50 an ounce, the price of gold closed for the day Wednesday, 09/29/2010 .
Spread fluctuations in gold prices during Tdaullacaha last among the field of handling gold Daily Trading Range latter extending from the minimum daily reading 1295.70 dollars an ounce all the way to the top daily gold when reading 1315.20 dollars per ounce, which form the body of the candle Candle Body, which is the area of trading that extends between the opening price Open and Close to the closing price of the trading day, less than 1% of the total area of daily trading price of gold yesterday, a sign of loss is determined Althreni acquired the atmosphere of the recent trading.
We note that the price trend for gold is still standing near Threni Bullish, owing to the continued market prices in's multi-billion above the level of support of $ 1270.50 an ounce, classified Almsqublip declines in the price of gold as a technical correction only. If only it was the lowest daily closing level of the question, then change the current substantive building of ascending to Tnzale.
A To support and resistance for gold Gold Support and Resistance
Attached below a list of points of support and resistance for gold based on the daily chart for futures trading in the market for gold for October delivery date of 2010 (Code GCV10)
Expectations of daily gold trading Gold Day Trade
Gold Gold traded against the U.S. dollar USD for the current trading day 01.10.2010 is expected to fluctuate in the range contained between the level of support resistance level at 1286.70 and 1325.70. Keep the husband went over the trading of dollars higher than the 1306.20 will weigh the possibility to continue climbing up to the daily target, with the possibility 1316.80 1325.70-level contact in the event of pressure on my order of gold.
On the other hand, any attempt to break point down to 1306.20 may reflect the direction of gold trading against the dollar on the current trading down until the goal 1297.30 with access to the level 1286.70 in the event of pressure to sell me the gold.
Technical Analysis for Oil 01/10/2010
Department of strategies and market research company in BFXARABIA seeks to provide technical analysis of the rolling oil Oil donor strategies of oil trading against the U.S. dollar to come back and wished him the profits.
Technical Analysis for Oil Oil - determine the path-General Trend
Reduced prices of crude oil from the heights during yesterday's multi-billion reading contact with 80.76 dollars a barrel, the highest daily oil prices, closed at Reading's multi-billion 79.97 dollars a barrel compared with a reading of 77.86 dollars a barrel, rising by 2.7%.
This has extended the area of oil trading Trading Range yesterday between reading of 80.18 dollars and reading 77.55 dollars, the price higher and lower oil, respectively, as he got the body of the candle Candle Body, which is the area of trading that extends between the opening price and closing price of the trading day, at approximately 80% of the the total area of daily trading in oil prices yesterday, a sign of escalation of torque purchasing oil.
We note that the trend of oil prices is near for the long ascending and clearly violated the terms of levels of market prices $ 80 a barrel, passing its own path of the initial target of $ 78.86 Blamil, that was mentioned during our analysis, especially the recent technical analysis of oil 30/09/2010. If we persist with the hypothesis of the oil market upward, classified Turajaat future operations as a natural technical correction, the conservatives support point of $ 75.53 a barrel, stiffness Kalparomitr Examiner building technical Althreni present, defeatedly reflected the market trend remains upward and steadfastness of the building upward.
Support and resistance to oil Oil Support and Resistance
Attached below a list of points of support and resistance to oil prices based on futures trading in the market for oil for November delivery date of 2010 (Code CLX10)
Expectations of daily oil trading Oil Day Trade
Oil oil trading against the U.S. dollar USD for the current trading day 01.10.2010 is expected to fluctuate in the range contained between the level of support and resistance level of 76.60 81.90. Keep her husband's oil trading to $ 79.25 higher than the level outweigh the possibility of further climbing daily until the target with the possibility of contact with the 80.90 level in the event of 81.90 am buying pressure on oil.
On the other hand, any attempt to break point down to 79.25 may reflect the direction of oil trading against the dollar on the current trading down 78.30 and up to the target with access to level 76.60 in the event of pressure to sell me on oil
.
Points of support and resistance to the metals market (oil, gold, silver) 10/01/2010
Peace, mercy and blessings of God,
Attached below a list of points of support and resistance for daily metal market (oil, gold, silver) generated by the Department of strategies and market research company in BFXARABIA for the day Friday, 10.01.2010 may be that you return the profits, God willing,
Technical analysis for gold 01/10/2010
It strives strategies and market research company in BFXARABIA to provide technical analysis of gold Gold trading strategies of donors rolling gold against the U.S. dollar to come back and wished him the profits.
Technical Analysis of Gold Gold - specify the path General Trend
Fluctuations in the prices of gold during the last Tdaollagha yesterday but without the change, which closed the trading of gold futures for October delivery date of 2010 (Code GCV10) yesterday at a reading of $ 1307.80 per ounce compared with the reading of $ 1308.50 an ounce, the price of gold closed for the day Wednesday, 09/29/2010 .
Spread fluctuations in gold prices during Tdaullacaha last among the field of handling gold Daily Trading Range latter extending from the minimum daily reading 1295.70 dollars an ounce all the way to the top daily gold when reading 1315.20 dollars per ounce, which form the body of the candle Candle Body, which is the area of trading that extends between the opening price Open and Close to the closing price of the trading day, less than 1% of the total area of daily trading price of gold yesterday, a sign of loss is determined Althreni acquired the atmosphere of the recent trading.
We note that the price trend for gold is still standing near Threni Bullish, owing to the continued market prices in's multi-billion above the level of support of $ 1270.50 an ounce, classified Almsqublip declines in the price of gold as a technical correction only. If only it was the lowest daily closing level of the question, then change the current substantive building of ascending to Tnzale.
A To support and resistance for gold Gold Support and Resistance
Attached below a list of points of support and resistance for gold based on the daily chart for futures trading in the market for gold for October delivery date of 2010 (Code GCV10)
Expectations of daily gold trading Gold Day Trade
Gold Gold traded against the U.S. dollar USD for the current trading day 01.10.2010 is expected to fluctuate in the range contained between the level of support resistance level at 1286.70 and 1325.70. Keep the husband went over the trading of dollars higher than the 1306.20 will weigh the possibility to continue climbing up to the daily target, with the possibility 1316.80 1325.70-level contact in the event of pressure on my order of gold.
On the other hand, any attempt to break point down to 1306.20 may reflect the direction of gold trading against the dollar on the current trading down until the goal 1297.30 with access to the level 1286.70 in the event of pressure to sell me the gold.
Technical Analysis for Oil 01/10/2010
Department of strategies and market research company in BFXARABIA seeks to provide technical analysis of the rolling oil Oil donor strategies of oil trading against the U.S. dollar to come back and wished him the profits.
Technical Analysis for Oil Oil - determine the path-General Trend
Reduced prices of crude oil from the heights during yesterday's multi-billion reading contact with 80.76 dollars a barrel, the highest daily oil prices, closed at Reading's multi-billion 79.97 dollars a barrel compared with a reading of 77.86 dollars a barrel, rising by 2.7%.
This has extended the area of oil trading Trading Range yesterday between reading of 80.18 dollars and reading 77.55 dollars, the price higher and lower oil, respectively, as he got the body of the candle Candle Body, which is the area of trading that extends between the opening price and closing price of the trading day, at approximately 80% of the the total area of daily trading in oil prices yesterday, a sign of escalation of torque purchasing oil.
We note that the trend of oil prices is near for the long ascending and clearly violated the terms of levels of market prices $ 80 a barrel, passing its own path of the initial target of $ 78.86 Blamil, that was mentioned during our analysis, especially the recent technical analysis of oil 30/09/2010. If we persist with the hypothesis of the oil market upward, classified Turajaat future operations as a natural technical correction, the conservatives support point of $ 75.53 a barrel, stiffness Kalparomitr Examiner building technical Althreni present, defeatedly reflected the market trend remains upward and steadfastness of the building upward.
Support and resistance to oil Oil Support and Resistance
Attached below a list of points of support and resistance to oil prices based on futures trading in the market for oil for November delivery date of 2010 (Code CLX10)
Expectations of daily oil trading Oil Day Trade
Oil oil trading against the U.S. dollar USD for the current trading day 01.10.2010 is expected to fluctuate in the range contained between the level of support and resistance level of 76.60 81.90. Keep her husband's oil trading to $ 79.25 higher than the level outweigh the possibility of further climbing daily until the target with the possibility of contact with the 80.90 level in the event of 81.90 am buying pressure on oil.
On the other hand, any attempt to break point down to 79.25 may reflect the direction of oil trading against the dollar on the current trading down 78.30 and up to the target with access to level 76.60 in the event of pressure to sell me on oil
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