- A World Bank report shows that global food prices have risen 36% in the last year.
- The price of gas has hit $5.00 a gallon at some stations in Washington, D.C.
- The U.S. dollar has already lost HALF its value against other sound currencies, such as the Swiss Franc.
- The price of gold just hit an all-time high at over $1,500 an ounce.
Saturday, May 14, 2011
Our American dollar
The Fed has printed up nearly $2.5 TRILLION in new money out of nothing. Throughout its history, the U.S. government has never abused its money printing power like it is now. Even Y2K and the terrorist attacks of 9/11 are just tiny blip. I am still surprise that the government have not devalue the American dollar. This country is so much in debt that there is no way we will ever see a balance budget in our life time.
The Late Osama Bin Laden - LOVE IT
After dying, Osama
made his way to the pearly gates. There, he was
greeted by George Washington. "How dare you
attack the nation I helped conceive!" yelled
Washington, slapping Osama in the face.
Patrick Henry came up from behind, "You wanted
to end the American's liberty, so they gave you
death!" Henry punched Osama in the nose.
James Madison came next and said, "This is why I
allowed the government to provide for the common
defense!" He took a sledge hammer and whacked
Osama's knees.
Osama was subject to similar beatings from John
Randolph, James Monroe and 67 other people who
had the same love for liberty and America. As he
writhed on the ground, Thomas Jefferson hurled him
back toward the gate where he was to be judged.
As Osama awaited his journey to his final very hot
destination, he screamed, "This is not what I was
promised!"
An angel replied, "I told you there would be 72
Virginians waiting for you. What did you think
I said?"
Driver's License
Check Your Driver's License
New law effective Jan. 1, 2011:
Now you can see anyone's Driver's License on the Internet, including your own.
Go to the web site, and check it out. It's unbelievable! Just enter your name as listed on your license, city and state to see if yours is on file.
Not only will anyone have access to your home address, but also your well-guarded birth date and actual age! I just searched for mine and there it was - picture and all, thanks Homeland Security's new regulations effective Jan. 1, 2011. I also checked out some of you and your license and information is listed there too!
After your license comes on the screen, click the box marked "Please Remove." This will remove it from public viewing, but not from law enforcement.
Please notify all your friends so they can protect themselves, too. Believe me they will thank you for it.
http://www.license.shorturl.com/
HOA foreclosures climbing as associations seek 'revenge' on delinquent homeowners
Article Courtesy of The Palm Beach Post
By Kimberly Miller
Published May 11, 2011
Fed up with late dues and mounting maintenance bills, some homeowner associations are motivated by spite, over sound business sense, to foreclose on delinquent owners.Property managers and condo board advisers say taking title to a property for a few thousand dollars in unpaid association fees in a "vengeance foreclosure" isn't always the best answer.
But emotions can override fiduciary smarts when a neighbor is tapping the cable TV for free.
And because it's easier for an association to foreclose than a bank - no proof of ownership necessary, no issue with robo-signed documents - attorneys say the number of HOA foreclosures is climbing as boards get bolder.
"These are your neighbors, and they are foreclosing on you," said Michael Rabin, whose association foreclosed on his Royal Palm Beach home after he racked up more than $10,000 in late fees. "If they don't like you, they can do whatever they want. It's scary."
When a homeowner association forecloses and takes title to a home, the idea is the board will be able to rent it out until the bank forecloses as the primary lien holder. With banks taking years to foreclose on some properties, the board can potentially collect thousands of dollars.
HOAs 'mean business'
Attorney Donna Berger, managing partner at Katzman, Garfinkel and Berger in Fort Lauderdale and executive director of the Community Advocacy Network, is a proponent of associations foreclosing on delinquent owners.
"The fact is a lot of members aren't paying because they haven't seen that the associations mean business," Berger said. "Associations are educating themselves. They did the demands. Now they are saying go forward, don't wait around anymore."
Berger said most of the retaliation she has seen from boards has been in the suspension of such homeowner rights as an access card to get into a gated community or barring pool use.
Still, Frank Silcox, CEO of LM Funding, which lends money to associations and then works to bring accounts current for a percentage of the fees collected, said he often sees frustrated association boards file for foreclosure when other options could make the board more money in the end.
"They are angry, and they make a short-term decision," said Silcox, whose company is based in Tampa and does work in South Florida. "They're thinking they just want to get back at them."
Better alternatives
Often a home or condominium needs work before it can be rented, which is a cost to the association. Potential renters must be warned that the property could be repossessed by the bank. While there are laws that protect renters from a swift eviction, some people may be wary of renting a home with a questionable future.
The association board also gives up its ability to put liens on the property when it takes title to it and must pay legal fees.
For example, if an association forecloses on a property with $5,000 in late payments, then pays $2,000 in legal costs and $1,500 in fees accrued during the months it takes to foreclose, it gives up a lien that would otherwise total $8,500.
Juan Parra, president of the CitySide homeowners association in West Palm Beach, said when he took the position, the board was paying $18,000 a month in legal fees and had lawyers advising it to foreclose.
"I immediately stopped that," said Parra, who believes there are better alternatives for boards. "Boards are inclined to retaliate because it's unfair to the people who are paying."
Parra's methods include charging a $1,000 fine if exterior door locks are not the same. When a bank repossesses a unit, it typically changes the locks but doesn't read the association rules requiring uniformity and ends up owing the fine. The same goes for leaving the trash can out - a $100-a-day mistake that can cost banks up to a maximum of $1,000.
Parra also takes advantage of a state law enacted last year that allows associations to evict tenants in units with late payments. The law also gives associations the power to bypass owners and collect rent directly from tenants.
In 2008, CitySide was in such dire straits it cut its budget for security, landscapers and bug control. Now, Parra said the association is debt free and has nearly $1 million in reserves.
Selective enforcement
JPMorgan Chase Bank filed for foreclosure against Michael Rabin in April 2010, but his HOA beat it to the finish line.
It foreclosed and took title to his home last month.
According to court documents, Rabin owed $10,706 in association fees when the final judgment was awarded in December. Add in attorneys' fees and other additional costs, and the amount ballooned to $14,388.
Rabin said he was on a payment plan with the association but missed two months because of a reduction in salary. He's hoping a short sale that had been in the works before the foreclosure will still go through, but feels the association board was acting more out of malice than necessity when it took his home.
"The homeowners and the attorneys are just brutal," Rabin said. "I was accused of lying and cheating in a public meeting."
Some associations that work with West Palm Beach-based Banyan Property Management have seen success using foreclosure, company president Mark Quinn said.
At the Palm Beach Grande Condominium, nearly half of its units owed late payments in November 2009.
Quinn said the association started foreclosing and now owns title to about 50 units that it uses a rental company to manage.
"Basically, 15 months on, the association is financially sound," Quinn said. "They're still not healthy, but they are no longer bleeding cash."
Quinn said selective enforcement is key to making foreclosure work for an association. If a bank is on the verge of repossessing a property, it could make sense to wait and collect the liens when it takes title.
"Every once in a while you'll get someone that says, 'Let's just foreclose on that nasty person and get them out of there,' " he said. "You have to explain that that's not always the answer."
New condo-HOA measures target delinquent homeowners
Article Courtesy of The Sun Sentinel
By Daniel Vasquez
Published May 14, 2011
Florida lawmakers have passed new legislation regulating condominium and homeowners communities that could change daily life in association-governed neighborhoods.The bills, now awaiting Gov. Rick Scott's signature or veto, would tighten laws passed last year that give community associations more power to crack down on owners who fall behind in maintenance payments and create more parity in laws governing condos and HOAs.
Under the proposed reforms, condo and homeowner associations could demand full rent from tenants of delinquent owners. This would help cash-strapped communities combat owners who rent or lease units and collect cash from tenants without bothering to pay their share of maintenance payments.
"It's about time this was clarified," said Sidney Wicks, a board member of the Saturnia Homeowners Association in Boca Raton, which governs 405 households. "One of the worst feelings is when homeowners [who] stop paying their association dues keep the income from renting out their house, causing an assessment where their fellow homeowners must make up the difference in delinquent association dues."
But critics say the bills don't go far enough to help struggling communities trying to survive a bad economy and housing market.
"It's another bad bill throwing some breadcrumbs to owners but otherwise trampling on the owners' contractual rights," said Jan Bergemann, president of Cyber Citizens for Justice, an advocacy group representing Florida community associations. "The bill does nothing to deal with the financial crisis caused by unpaid dues and foreclosures." Bergemann supports law that treats new owners equally. For example, individuals who buy a condo unit via an auction or short sale would likely be responsible to pay all past due maintenance fees, while a financial institution may only be liable for up to 12 months of back dues or one percent of original mortgage, whichever is less. He believes both the individual and bank should be liable for all amounts owed to the association.
The reforms were hammered out last week by both the Florida House of Representatives and the Senate in the form of bill HB 1195, which is expected to be sent to Gov. Rick Scott in the coming days for his signature or veto. The governor would have 15 days after delivery to sign them, making them law, or veto them. If he does nothing, the reforms would still become law.
"The bills once again provide steps in the right direction," said Donna Berger, of the community association law firm Katzman, Garfinkel and Berger and a guest blogger for the Sun Sentinel. "Right now there is much for condo and HOA members to like, including the newfound ability of HOA boards to keep convicted felons off their boards and for HOA members to speak on any agenda item at HOA meetings without having to petition the board to put that language in there."
Lobbying groups, such as the Community Advocacy Network and the Community Association Leadership Lobby, largely helped draft the proposed laws. "We have no reason to believe that the bill will be vetoed," said Yeline Goin, co-executive director of CALL.
Among the highlights of the new reforms:
Condo, homeowners and cooperative associations would be able to demand full monthly rent from tenants in delinquent properties. A similar law was passed last year but left unclear whether associations could collect partial or full rent. Landlords would be banned from punishing tenants for complying with the law and a common form would be created for associations to send to tenants explaining the law.
Homeowner associations would be able to ban felons from serving on boards, as condo associations are allowed to do.
Condo board members would be able to show proof of attending state-approved education courses within a year before or 90 days after taking the post, rather than sign a form stating they have read Florida law.
Boards could ban delinquent owners from common areas, such as pools and club houses, without holding a hearing, if it is a result of failure to pay assessments. A hearing must still be held when an association wishes to ban an owner from a common area for violating a governing document rule, such as creating loud noise or disturbances at a pool.
Homeowners would be allowed to speak at board meetings on any item on the agenda, no longer requiring a petition from a number of owners to do so.
Wednesday, May 11, 2011
U S POSTAL
US POSTAL HAS A 2.2 BILLION DOLLAR LOSS. RATES WILL SOON BE GOING UP, MORE POSTAL DEPT WILL BE CLOSED, MORE PEOPLE WILL BE LAID OFF. HOURS WILL BE SHORTER. EVERY BODY IS LOSING MONEY AND THEY STILL HAVE NOT GOT IT RIGHT. THEY SHOULD HIRED BINGO PAUL AND HIS CLAN TO RUN THE OFFICES.
Tuesday, May 10, 2011
BINGO PAUL PONTIOUS page 18 of 21 Bank Statement's that he did not want you to see. Now you know why.
Just look at what he is spending his money on! This guy is a nut. He is loading his ice box full of food and then some. STOP GOING TO BINGO. THERE ARE OTHER PLACES TO GO. STOP SUPPORTING BINGO PAUL.
Paul Pontious
It seems that Paul is sending letters to everybody's wife's. He send one to Arnold and look what happen. They are now splitting. What are you going to do now Paul, fly to California? You have already send me two letters to my mate. Man, are you sick.
Mildred T. NY....
- Dont you see ? Your rights as a HomeOwner has been violated. Your attorney brings charges. His Attorney must defend him. Quite Simply. Sorry if I am confusing you. Mildred T. NY....
- Monday, May 9, 2011 9:12:00 PM EDT
Monday, May 9, 2011
IF SOME ONE COMMITS WHAT YOU THINK IS A CRIME....( HIRE AN ATTORNEY )
- Mr King, With deepest respect for you, your AD HOC Committee, and Mildred T. former NY paralegal. First like Mildred, I am not licensed in FL, however I am a retired NJ Attorney at Law. After reading the posts by you and Mildred, I must agree she is correct. The average John Doe does not present his case to the State Attorney. He first hires council and files a suit against the person he feels has effected a breakage of the LAW....In this case Mr Pontious, the HOA board, and all those who assisted them. Forgive me for not coming to your aid. Like Mildred I can only give you suggestions. I cannot practice law in FL.... IF SOME ONE COMMITS WHAT YOU THINK IS A CRIME....( HIRE AN ATTORNEY ). They will present the case to the Attorneys office and to the court system. Yours in Truth. Lawrence L Esq.
- Monday, May 9, 2011 9:08:00 PM EDT
Paul Pontious
- Anonymous said...
- After your arrested, you hired a attorney. The Attorney is after the fact. Are you sure you are what you are? ( YOUR STATEMENT ). Mr King..I am confused by your statement made above....???? The Criminal Lawyer first files action against the perpetrator, in this case Paul Pontious and accessories. SO after he is served, arrested ? He will then summon ( Pontious ) to defend himself. That is how it is done by NY law. Should it be different in FL ??? Please keep in mind. I am no longer licensed, and therefore can not give legal advice. Thank you kind sir. Good Luck Mildred T. I am merely trying to bring justice to the forefront. I feel your case is a valid one to pursue.
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Joe Hunter is gone
Today in the Coffee Meeting, Joe Hunter, "the alligator killer" said his last Pledge of the Legion, Bingo "the Crook" Paul, Silly Van Sick, and MIA Frank Otta were with in tears. I had to lend them a tissue. We didn't get Joe Hunter to sing the Frank Sinatra song "I did it my Way". There been some talk that Bingo Paul is going to take him out to dinner using Bingo Money.
Dick Ralls
- Mr King. I have never met Mr Ralls. However, from those who have, many feel he is a trouble maker. I stated that so was Martin Luther King a trouble maker, but he and Jack Kennedy brought down the EVIL George Wallace. I also heard he is a LEADER in bringing those to justice who have fed on the good people here at Lake Ashton. Mr Ralls....KNOWS what needs to be done.... Enroll the services of a Criminal Lawyer. All the truth will be unveiled, and if there are CROOKS they and their accomplishes. will be brought to justice. Best Wishes....Mildred T.
-
Sunday, May 8, 2011
-
Anonymous said... - Mr King... ALL Crooks do not go to jail. They all should go to jail. Unless there are charges brought with the use of an Attorney, most crooks simply laugh and continue being a crook. Want to put a crook in jail. Have crimianl charges filed. THEN and ONLY THEN, will you send a crook to jail. I know..I helped send many to jail in NY... Mildred T....retired paralegal. My question ? If the residents see what you and I see, how is it they simply ignore the obvious ???
BINGO PAUL PONTIOUS page 17 of 21 Bank Statement's that he did not want you to see. Now you know why.
Look at all the expenses. Need I say more? Get that guy out of Bingo and put him in jail where he belongs. All crooks go to jail.
Jeff Salvin
- Mr Chickness spoke with Jeff Salvin. He has had a positive report from his doctor. He is expected to make a full recovery. Lets hope and pray that it will turn out that way. Best Wishes Jeff and Barbara John & Audry Chickness Sr
- Saturday, May 7, 2011 8:39:00 PM EDT
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