Monday, May 22, 2017

More on Gobeklitepe

http://gobeklitepe.info

See Youtube videos.

Gobekli Tepe is a civilization site over 10,000 years old in Turkey right smack between the Tigris and Euphrates rivers, northern Mesopotamia.  Later inferiors, strangely, buried it. Excavations started in 1995, and multiple sites exist in the area. I and others have commented on its civilizational significance.

Here is one

Here is another nearby

According to my favorite book, Adam and Eve arrived 38,000 years ago as biologic uplifters of humanity.  They settled in "the Garden of Eden" on a peninsula jutting out from the eastern coast of the Mediterranean Sea approximately due east of present day Cyprus, and since submerged due to tectonic plate shifts.  As the story goes they defaulted in their mission and an impending invasion by Nodites (yes, the same tribe from which Cain took himself a wife after running off in consequence of slaying his brother Abel) required them to leave for the second garden.  Gobekli Tepe is in the same general area, albeit a bit north.


While a lot has changed in terms of climate and tectonic plate shifts in the past 38,000 years, clearly a marvelously fertile valley lies immediately south of Gobekli Tepe. And it seems ideal as a Garden of Eden because it is surrounded by relatively inhospitable territory



The Tigris and Euphrates rivers make natural boundaries to keep hostiles at bay, and they approach within 50 miles of each other in southeast Turkey at Hantepe (Tigris) and Konacik (Euphrates) about 50 miles north and a little east of Gobekli Tepe, and in the area of Baghdad, Iraq.   A very fertile area sits in eastern Syria, immediately 80 miles south of the northernmost approach of the two rivers to each other,  and in numerous area in between.  The star sits at Gobekli Tepe.  If it took Adam and Eve a year go travel 100 miles from the first Garden of Eden to the Euphrates river, it would have taken several years to reach the area of Baghdad, so I imagine they ventured northeast  another 60 or 80 miles to reach the site of the Second Garden site.  Gobekli Tepe's ruins seem to suggest the influence of superior beings like Adam and Eve and their progeny on the ancestry of those who created the civilization at Gobekli Tepe.  I'm guessing the apple did not fall far from the tree.  The line drawn in the image below shows the distance between the Tigris (right) and Euphrates (left) rivers.  The white line running left to right at the bottom is the border between Turkey (north) and Syria (south).  Based on the comments in The Urantia Book I'd guess the site of the second garden at the area south of Siverek because it is crisscrossed by numerous rivers, it is a fertile valley, and it has mountains to the east (to which former occupants of the valley fled).


Excerpt from The Urantia Book:

PAPER 76 - THE SECOND GARDEN

When Adam elected to leave the first garden to the Nodites unopposed, he and his followers could not go west, for the Edenites had no boats suitable for such a marine adventure. They could not go north; the northern Nodites were already on the march toward Eden. They feared to go south; the hills of that region were infested with hostile tribes. The only way open was to the east, and so they journeyed eastward toward the then pleasant regions between the Tigris and Euphrates rivers. And many of those who were left behind later journeyed eastward to join the Adamites in their new valley home.

Cain and Sansa were both born before the Adamic caravan had reached its destination between the rivers in Mesopotamia. Laotta, the mother of Sansa, perished at the birth of her daughter; Eve suffered much but survived, owing to superior strength. Eve took Sansa, the child of Laotta, to her bosom, and she was reared along with Cain. Sansa grew up to be a woman of great ability. She became the wife of Sargan, the chief of the northern blue races, and contributed to the advancement of the blue men of those times.

1. THE EDENITES ENTER MESOPOTAMIA

It required almost a full year for the caravan of Adam to reach the Euphrates River. Finding it in flood tide, they remained camped on the plains west of the stream almost six weeks before they made their way across to the land between the rivers which was to become the second garden.

When word had reached the dwellers in the land of the second garden that the king and high priest of the Garden of Eden was marching on them, they had fled in haste to the eastern mountains. Adam found all of the desired territory vacated when he arrived. And here in this new location Adam and his helpers set themselves to work to build new homes and establish a new center of culture and religion.

This site was known to Adam as one of the three original selections of the committee assigned to choose possible locations for the Garden proposed by Van and Amadon. The two rivers themselves were a good natural defense in those days, and a short way north of the second garden the Euphrates and Tigris came close together so that a defense wall extending fifty-six miles could be built for the protection of the territory to the south and between the rivers.

After getting settled in the new Eden, it became necessary to adopt crude methods of living; it seemed entirely true that the ground had been cursed. Nature was once again taking its course. Now were the Adamites compelled


Page 848
to wrest a living from unprepared soil and to cope with the realities of life in the face of the natural hostilities and incompatibilities of mortal existence. They found the first garden partially prepared for them, but the second had to be created by the labor of their own hands and in the "sweat of their faces."
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Sunday, April 23, 2017

Winston Shrout finally convicted for his income tax scams

About 10 years ago Winston Shrout blew into town and put on a somewhat secret, private seminar for far-edge, think-outside-the-box legal theorist movers and shakers in the Tampa Bay area.  He taught them about the ultra-slick, arcane 1099-OID process of getting the IRS to pay scammers undeserved tax refunds.  I had started calling the process a scam back then, and so the movers and shakers shunned me as they pulled in dupes and fools to whom they sold their 1099-OID service.

It took the IRS and DOJ a few years, but they finally started getting indictments and convictions against 1099-OID and other scammers who used very clever ways of cheating on the taxes.  Incidentally, you should not take my expressed disdain for the scammers as an indication that I believe they actually owed any income tax because I don't.  However, the scammers used an utterly crooked way to get out of paying the tax AND of getting refunds of far more money than they would have deserved with a traditional tax return.

After tolerating years of the scammers' bogus seminars to teach crooked methods and of preparing and filing fraudulent documents, the government got indictments and convictions of the infamous Timothy Turner (of the Restore America Plan scam) and Glen Unger, AKA Dr. Sam Kennedy.  Today those scammers live in federal prisons, right where they belong.

And now Winston Shrout will soon join them because the government just won a conviction against him for his own brand of scams.  See the articles below.

To all who hate the income tax:  beware of preparing or filing false or fraudulent documents in an effort to avoid or evade income tax.


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https://www.justice.gov/opa/pr/oregon-promoter-convicted-making-passing-and-sending-bogus-financial-instruments-us-treasury

Department of Justice
Office of Public Affairs

FOR IMMEDIATE RELEASE
Friday, April 21, 2017

Oregon Promoter Convicted for Making, Passing and Sending Bogus Financial Instruments to U.S. Treasury and Financial Institution and Failing to File Tax Returns

A Hillsboro, Oregon promoter was convicted today following a jury trial of making, passing and submitting fake financial instruments to a financial institution and the U.S. Treasury and failing to file tax returns, announced Acting Deputy Assistant Attorney General Stuart M. Goldberg of the Justice Department's Tax Division.

 

According to the superseding indictment and the evidence presented at trial, from approximately 2008 through 2015, Winston Shrout, 69, formerly of St. George, Utah, created and submitted more than 1000 bogus financial instruments with the intent of defrauding financial institutions and the U.S. Treasury. Shrout held seminars and private meetings to promote and market the use of these fake financial instruments to pay off debts, including federal taxes. Shrout sold recordings of his seminars, templates for fake financial instruments and other materials through his website.

 

The evidence presented at trial also proved that Shrout failed to file his 2009 through 2014 tax returns despite earning $562,224 from presenting at seminars, licensing fees associated with the sale of his products and annual pension payments.

 

Sentencing is scheduled for Aug. 1. Shrout faces a statutory maximum sentence of 25 years in prison for each count of making a fake financial instrument and one year in prison for each count of failing to file a tax return. He also faces a period of supervised release, restitution and monetary penalties.

 

Acting Deputy Assistant Attorney General Goldberg commended special agents of IRS–Criminal Investigation, who conducted the investigation, and Trial Attorneys Stuart Wexler and Lee Langston of the Tax Division, who prosecuted the case.

 

Additional information about the Tax Division and its enforcement efforts may be found on the division's website.

 

17-445
Topic: 
Tax
Updated April 21, 2017



https://archives.fbi.gov/archives/mobile/press-releases/2013/self-proclaimed-president-of-sovereign-citizen-group-sentenced-to-federal-prison-for-promoting-tax-fraud-scheme

Self-Proclaimed President of Sovereign Citizen Group Sentenced to Federal Prison for Promoting Tax Fraud Scheme 

U.S. Department of JusticeJuly 31, 2013
  • Office of Public Affairs(202) 514-2007/TDD (202) 514-1888

WASHINGTON—The Justice Department, the Internal Revenue Service (IRS), and the FBI announced today that James Timothy Turner, also known as Tim Turner, was sentenced to serve 18 years in federal prison for conspiracy to defraud the United States, attempting to pay taxes with fictitious financial instruments, attempting to obstruct and impede the IRS, failing to file a 2009 federal income tax return, and falsely testifying under oath in a bankruptcy proceeding.

In March 2013, following a five-day jury trial, Turner was convicted on 10 counts in the U.S. District Court for the Middle District of Alabama. Based on the evidence introduced at trial and in court filings, Turner, the self-proclaimed "president" of the sovereign citizen group Republic for the united States of America (RuSA), traveled the country in 2008 and 2009 conducting seminars teaching attendees how to defraud the IRS by preparing and submitting fictitious bonds to the U.S. government in payment of federal taxes, mortgages, and other debt. The evidence at trial revealed the bonds are fictitious, and witnesses testified that Turner used special paper, financial terminology, and elaborate borders in an effort to make them look authentic and more likely to succeed in defrauding the recipient. Turner was convicted of sending a $300 million fictitious bond in his own name and of aiding and abetting others in sending 15 other fictitious bonds to the Treasury Department to pay taxes and other debts.

The evidence at trial also established that Turner taught people how to file retaliatory liens against government officials who interfered with the processing of fictitious bonds. Turner filed a purported $17.6 billion maritime lien in Montgomery County, Alabama Probate Court against another individual. This investigation began after Turner and three other self-proclaimed "Guardian Elders" sent demands to all 50 governors in the United States in March 2010 ordering each governor to resign within three days to be replaced by a "sovereign" leader or be "removed." The FBI immediately began investigating Turner and IRS- Criminal Investigation (IRS-CI) joined the investigation soon thereafter.

"This lengthy prison sentence shows that tax defiers like Turner who use bogus tax schemes and file retaliatory liens against government officials will be punished," said Assistant Attorney General for the Justice Department's Tax Division Kathryn Keneally. "The Justice Department will continue to work with law enforcement to investigate and prosecute those who attempt to defraud the government."

"This sentence should send a message that if you attempt to use retaliatory tax liens and fraudulent tax schemes as weapons against the United States and its citizens you will be punished," stated acting U.S. Attorney Sandra J. Stewart for the Middle District of Alabama. "We cannot and will not tolerate those who violate the law for financial gain. I would like to thank the law enforcement officers who worked vigilantly on this case to bring this criminal to justice."

"Turner influenced others with his false ideology by aggressively promoting obstruction of the IRS," stated Richard Weber, Chief, IRS-Criminal Investigation. "In truth, Turner's own defiance of IRS and his attempts to lead others through the same labyrinth of lies and distortions led to his downfall as shown by the significant sentence he must now serve. Today's sentence should also send a strong message to those who may follow in Turner's footsteps and attempt to defy their tax obligations. The legality of our income tax laws has been challenged time and time again and the courts have consistently upheld them."

"The FBI is committed to vigorously investigate individuals and groups who steal from the federal government for financial gain through schemes deigned to avoid payment on loans, taxes, and other obligations owed the federal government," stated Stephen Richardson, Special Agent in Charge of the FBI, Mobile Division.

In addition to prison time, Turner was ordered to pay $26,021 in restitution to the IRS and to serve a five-year term of supervised release upon his release from prison.

This case was investigated by special agents of the FBI and IRS-CI and was prosecuted by Tax Division Trial Attorney Justin Gelfand and Middle District of Alabama Assistant U.S. Attorney Gray Borden.


https://archives.fbi.gov/archives/albany/press-releases/2013/former-orthodontist-convicted-of-attempting-to-scam-the-irs-of-36-million

Former Orthodontist Convicted of Attempting to Scam the IRS of $36 Million 

U.S. Attorney's OfficeOctober 21, 2013
  • Northern District of New York(315) 448-0672

ALBANY, NY—Richard S. Hartunian, United States Attorney, Northern District of New York, announces that on October 21, 2013, before Senior U.S. District Court Judge Tomas J. McAvoy, a jury convicted Glenn Richard Unger (62, of Ogdensburg, New York) of the following offenses: obstructing and impeding the Internal Revenue Service (IRS); filing false claims against the United States; tax evasion; and passing fictitious obligations.

The evidence at trial showed that Glenn Richard Unger engaged in a multi-year scheme to obstruct and impede the IRS by filing numerous false and fraudulent claims with the IRS for payment of a refund of taxes totaling approximately $36 million. Between 2007 and 2011, Glenn Richard Unger filed 14 false tax returns claiming that he earned substantial income reported on IRS Forms 1099-OID, had substantial withholdings on that income, and was entitled to $36 million in tax refunds. Despite numerous warning letters from the IRS that his returns were frivolous, he continued filing false tax returns.

In addition to obstructing the IRS by filing false and fraudulent claims for refund, the evidence at trial also showed that Glenn Richard Unger attempted to evade payment of taxes he owed to the IRS. During 2004 and 2005, Glenn Richard Unger earned income and failed to file tax returns reporting that income. The IRS assessed taxes for those two years and also assessed penalties for filing frivolous tax returns. After the IRS filed a tax lien against Glenn Richard Unger, the defendant attempted to file a false document with the Saratoga County Clerk's office attempting to release the lien. Evidence at trial also showed that Glenn Richard Unger tried to pay off a debt to another orthodontist with a fictitious document purported to be worth $200,000.

As a result of the conviction, the defendant is facing a statutory maximum term of imprisonment of 25 years and a maximum fine of $250,000. Sentencing is scheduled for March 10, 2014 in Albany, New York.

This prosecution resulted from an investigation conducted by the Internal Revenue Service, Criminal Investigation, New York Field Office; the Federal Bureau of Investigation, Albany Field Office; the New York State Police, and the Treasury Inspector General for Tax Administration. The case was prosecuted by Assistant United States Attorney Ransom P. Reynolds (Northern District of New York) and Jeffrey Bender (Department of Justice Tax Division).


Saturday, April 08, 2017

Colorado People's Grand Jury of face Conspiracy and Racketeering Charges of

A Denver Post news article  and a long, bad indictment show why spearheading a so-called "common law grand jury" or "people's grand jury" paves a path to prosecution and prison.

What's the diff between HE and Sarin bombing?

In a military conflict, combat and collateral damage, included that from bombs, rockets, IEDs, booby traps, rifles, pistols, and poison gas or water, kills or injures people.  And NOBODY (arguably, not even children, especially those able to wield a weapon, because parents are responsible for them) are innocent.

So, let us take the point of collateral damage or slaughter of the arguably innocent.  If that worries heads of state and their war theorists, then they shouldn't wage war because collateral damage is unavoidable, and in fact it is often necessary in order to force an adversary to sue for peace.

Given that heads of state don't intervene or stop the conflict at its outset by such overwhelming and irresistible force as to defeat combatants immediately, they are all in a measure responsible for collateral damage, and they should just shut up and stop whining about it.

Looking at the videos of the sick and dying from the chemical attack in Khan Sheikhoun, Syria, and comparing that to the clouds of smoke and ash from today's high explosive bombing that killed people in the same area, I have to wonder if Trump is loony for wasting US money on his moralizing tomahawk missile attack on the Sha'irat Syria air base the other night.  His attack proved nothing other than the inability to think straight and willingness to piss away taxpayer money in pique.

The USA needs to get its military out of the Mideast and Central Asia altogether, and precede any future interference with tactical nukes to take out the chief troublemakers.

And Americans should take note of the anti-American treachery of the Obama administration in funding and arming the Syrian rebels in a Qatar/Saudi conspiracy to force Assad to allow a Qatar gas pipeline to run through Syria.  Obama might have intended the scheme to let Qatar gas compete against Russian gas in Europe, and as a consequence to collapse Russia's economy as punishment for invading Ukraine and Georgia and snatching the Crimean peninsula.  How is that in US interest?  It isn't.  If Ukraine, Moldova, and other former Soviet possessions want protection, they should pay their share and join NATO.

Obama's stupid scheme has cut loose 5 million Syrians, including many terrorists among them, not to mention countless Iraqis and Afghans, to migrate elsewhere as refugees to set up Islami states wherever they go.  I personally do not welcome the Muslims and stupid among them into the USA, nor should anyone else of good sense.


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Friday, April 07, 2017

David Rockefeller - hero or heel?

https://wearechange.org/top-5-reasons-david-rockefeller-wont-missed/

1. One World Government
2. Population Control
3. Population experiments
4. Globalist connections- Ford, Gates, Buffet, Bilderberg, CIA, CFR
5. Worldwide influence - health, agriculture, banking, partnerships

I personally agree with 1, 2, 4, 5, and to a limited extent even 3.  The richest people in the world ought to spend their time and money improving civilization.

Nationalism is the cause of all wars and the waste associated with them.  Only a one-world "super" government can stop the wars.

Lots of countries are dramatically overpopulated, and some are overpopulated with stupid people. 

Population experiments should include gene pool enrichment efforts.

And like-minded people of wealth ought to congregate and plan how to expend their resources and use their connections and influence to improve the world.

I consider it heroic to make such efforts, even though some might need better standards.

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Sunday, April 02, 2017

Source of Trump's Secret Powers Revealed

Researchers uncover clues to the Secret of Donald's Amazing Power over Hillary

Washington. Sat. April 1 2017.  "I'll give it to you in two little words," chief researcher Harvey Glumberg at the Inner Science Mysteries Foundation explained in a rare interview with the News Genesis Journal late Saturday evening. 


"Evil Eye.  That describes the secret power Donald J Trump had and still has over former Secretary of State and former presidential candidate Hillary Rodham Clinton." he said.

Glumberg refused to elaborate, but this interviewer saw the researcher hiding a book on the Kabbalah beneath papers on his desk just prior to the interview.  The Kabbalah is an esoteric tradition of ancient mystical knowledge that only the brightest Mekubbal scholars fully comprehend.  So some of Glumberg's knowledge of the Evil Eye powers, which few people possess, likely came from the Kabbalah.

Glumberg did admit, though, in both tone and secretive manner, that the Evil Eye is a force to be reckoned with, and people ought not to take it lightly upon becoming its target.  Entire populations in some Mideastern and African regions fear the Evil Eye and frantically try to ward it off lest they become unwitting victims of it.

Suffice it to say, tales and superstitions about the "Evil Eye" predate written history. The Evil Eye is said to be the power to give someone a malevolent stare that inflicts misfortune and calamity on the target and his life.  It can have only a temporary effect until the victim has "learned his lesson" or it can last a lifetime and be passed on to descendants who struggle and fail under misfortune after misfortune until they can find a healer, shaman, or other person of power to break the Evil Eye's grip on the life of the person or family.  Or, the powerful person who inflicted the Evil Eye on the victim can reverse it by the Glance of Grace.

Lord knows, Hillary did enough rotten things during her stint as Secretary of State and the Presidential campaign, not to mention all that time with Bill Clinton in the Governor's house of Arkansas, and the White House, to deserve the Evil Eye.  People still gossip about how she snuffed out the life of Vince Foster or stood idly by while watching someone else do it.

The Evil Eye is widely known, when cast by a man at a woman, to make the woman lose her wits, buckle at the knees, and faint inexplicably.

People close to Donald J Trump claim that he can make people buckle at the knees and faint just by giving them the Evil Eye while watching them on television.  Insiders say they caught Presidential Candidate Trump practicing his Evil Eye skills by just gazing at the TV with eyes fully open, and then by giving a squint, somewhat like the Stink Eye. According to some insiders, Trump's Evil Eye works on his victim anywhere in the world, simply by giving casting a malevolent stare at a photograph or video of the victim.  One insider claimed Trump can look at the date and time on his one-of-a-kind chronograph wristwatch, and project the exact time and date that his Evil Eye will afflict its victim.  The watch was a gift of Trump's son-in-law Jared Kushner, a one-time Kabbalah acolyte.

Liberal Democrat pundits have worried that Trump will lose control of his strange powers, such as the obvious control he has over Hillary Clinton.  "I believe that's one of the reason so many women have rallied at speeches and marches in the streets against Trump,"  Gonzago University alum Courtley Vanderfoot wrote on her blog. "He affects women just by his presence.  All he has to do is look at them and they cannot help reacting in extreme ways."

An unnamed former U.S. Defense Department official, speaking on the Q.T., said President Donald J. Trump is America's secret weapon.  When asked if the rumor about the President's Evil Eye powers is true, he retorted "Have you notice how the price of Hamsa and Nazar anti-evil-eye charms has skyrocketed lately?  Stores can't keep them on the shelves. Democrats have bought all of them up."

# # #

Filed by Mirt H. Galore, NGJ Reporter

Saturday, March 25, 2017

Fed Court Spanks Borrower for Ignoring Terms of Mortgage

Borrower and Creditor MUST Give Notice and Opportunity to Cure before Suing


Jennifer Sandoval bought a Florida home with money she borrowed from Suntrust Bank and secured the debt with a mortgage.  She later obtained a loan modification, and later defaulted on the loan. The creditor hired law firm Ronald R. Wolf & Associates to sue Sandoval for breach of contract and to foreclose the loan.  Sandoval hired a lawyer who sent a Qualified Written Request letter to Suntrust, and Suntrust responded with a letter explaining the requirements for reinstatement. Wolf charged fees for the reinstatement to bring the loan current and dismiss the foreclosure.  Sandoval sued Suntrust and Wolf in the Southern District of Florida US District Court for violating RESPA, FCCPA, and FDCPA (Real Estate Settlement Procedures Act, Florida Consumer Collection Practices Act, and Fair Debt Collection Practices Act).

Suntrust filed a motion to dismiss the case for failure to state a claim for which the court could grant relief.  The court dismissed the case against Suntrust with prejudice, and then amended the dismissal.  The reader should take note of three important factors in the issue:
  1. Suntrust did not violate any of those laws in the manner Sandoval alleged; and
  2. Most importantly, Sandoval had failed to allege in her compliant that she had given Suntrust the statutory and contractually required notice of grievance and opportunity to cure prior to suing Suntrust.
  3. The court amended its dismissal order as follows (emphasis added):
"The Court’s January 19, 2017 Dismissal Order is AMENDED as follows: While the FDCPA and RESPA claims against SunTrust are dismissed with prejudice, the FCCPA against SunTrust is dismissed without prejudice, with leave to provide mandatory pre-suit notice to SunTrust of the alleged FCCPA violation and an opportunity to cure, prior to initiating a lawsuit against SunTrust that attempts to state a claim for a violation of the FCCPA. Because the dismissal of the FCCPA claim is without prejudice to Plaintiff attempting to comply with the requirements of the preceding paragraph, Defendant SunTrust’s Motion for Entry of Final Judgment Pursuant to Rule 54(b) [DE 69] is DENIED WITHOUT PREJUDICE."
Thus it becomes clear that Sandoval has no more opportunity in this matter against Suntrust in federal court, and if she decides to sue Suntrust in state court for FCCPA violations, she must first send Suntrust a proper notice of grievance and give Suntrust an opportunity to cure, because her mortgage contract requires it.

Why You Should Always Read Your Contract

The mortgage and the note comprise a single legal contract even though they exist in separate documents.  Sandoval's failure to give notice and opportunity to cure constituted a breach of that contract, specifically of the second paragraph of section 20 of the uniform Form 3010: Florida Mortgage security instrument.    The mortgage, in section 20, provides the following (red emphasis added):
"Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party’s actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action.  If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph.  The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20."
The mortgage, in Section 22, imposes a similar obligation, in bold face type, on the creditor:
"Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower’s breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise).  The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property.  The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure.  If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding.  Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys’ fees and costs of title evidence. "
Notice that section 20 refers to "Applicable Law."  That could refer to state law, or to federal (e.g., RESPA) law.  The applicable federal law, RESPA, (at 12 USC 2605(e)) obligates the servicer to acknowledge receipt of a Qualified Written Request or answer it within 20 business days (about 4 weeks) , and to answer it within 60 business days (about 3 months). Regulation X in the Code of Federal Regulations requires the lender to acknowledge a notice of error (grievance) within 5 days (about 1 week) and correct the error within 30 days (about 6 weeks).  Read 12 USC 2605 and the corresponding part of Regulation X in the Code of Federal Regulations 12 CFR 1024.35 in their entirety.

So in this case neither the borrower Jennifer Sandoval nor her attorney read or heeded the mortgage security instrument section 20.  And even if they had, Sandoval did not allege in her complaint against Suntrust that she had sent the notice of grievance and given opportunity to cure in compliance with RESPA.  And now not only has she lost in federal court, but also she will have to pay Suntrust's (and her own) legal fees.

Mortgage Attack hopes other borrowers learn from Sandoval's mistake.

READ YOUR CONTRACT!

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Thursday, March 09, 2017

History Vindicates The Bell Curve - portent for the USA

Herrnstein and Murray predicted in their seminal 1994 book The Bell Curve, Intelligence and Class Structure in American Life that US society would evolve with little change in IQ differentials between Orientals (Asians), Caucasians (Whites), Chicanos (Hispanics), and Negroes (Blacks). And that has happened as they predicted, except that Asians have widened their gap from Whites.  That means you should read this book (click the above link for the pdf), and HEED its soundly mathematics-based lessons. 

As my favorite biodiversity pundit Steve Sailer pointed out 3 years ago, America has evolved toward a CASTE society, in keeping with The Bell Curve's predictions, such that the more cognitive elite merged with the affluent (small wonder) and became ever more isolated from the cognitively disadvantaged (no surprise) who have ever less likelihood of escaping the mire of their condition.  That might explain the relative inescapable, self-fulfilling sludge of ghetto and thug life in America's inner cities and newly spawned ghetto suburbs and exurbs.  And of course, there is NO WAY the powerful will yield their power to the utterly undeserving, cognitively inept masses.  As I have repeatedly pointed out, fully 25% of the US population has IQ below 85 and are too stupid to graduate from high school, while another 15% is almost as irresponsible, owing to terrible parenting, low IQ, and low ambition to achieve in a lawful enterprise.  Unlike the problem of low ambition and bad parenting, from which one can with effort escape through personal striving, no amount of striving will relieve a person of the affliction of innate stupidity.

In other words, All Men Are NOT Created Equal.

So, what do you expect an enlightened society in an advancing civilization to do about the population's burgeoning ranks of stupid and irresponsible underachievers?

I have said that eventually, the elite must confess the condition of the stupid as interminable, proliferating, and deadly to civilization, and ACT intelligently and benignly to correct it.  That means, in a nutshell, government must ultimately enact eugenics laws to outlaw procreation of stupid children (as a crime against humanity) and prevent unmarried people from procreating at all.  Why?  Because it goes without saying (and yet I'll say it anyway) that insufficient parenting equals bad parenting and single parents gravitate toward poverty which means their children get insufficient education in how to become an upstanding, responsible adult because the single parent constitutes such a bad example simply by having no spouse to share in the child rearing experience.  And in most cases, the single parent bears a serious grudge against the would-be spouse, and typically denigrates the opposite sex to the child in such a way as to poison the child's thinking about loyalty of spouses and parents to one another.  And NOTHING, absolutely nothing adversely influences a child more than the disloyalties of his adult associates.

Race statistician Richard Lynn revealed in his  book The Global Bell Curve - Race IQ and Inequality Worldwide (2008) that The Bell Curve's analysis and prediction applied worldwide, not just in the USA.  The bottom line:  people are created UNEQUAL, especially in intelligence, some being vastly superior to others.

One obvious fact should seem apparent without saying - that intelligence, as measurable by standardized IQ tests, is the primary, NUMBER ONE, factor of importance in individual socioeconomic achievement and in building an advanced civilization.  As much as proponents of Black Lives Matter, La Raza, and other race promoting groups hate to admit it, the USA exists because smart WHITE propertied men made it so.  They crafted the founding documents and organic laws of the nation, and met as state delegates to endorse the Declaration of Independence and Constitution after lengthy heated debates of the merits of nearly every single provision.

The founders and American leaders who followed in their steps acknowledged the contributions of white men to fulfillment of the American dream of what I call "Liberty for Responsible People."  Beginning in the 19th century, "Manifest Destiny" became the rallying cry for the US expansion to the west coast of the continent, an land acquisition effort that including the conquest or land purchase against England and Spain and Seminoles in Florida, France and England in Louisiana, Mexico in Texas, and Mexico in New Mexico, Arizona, and California, much other land north of those areas, against Britain in Oregon and Washington and other northern states, and against Britain in Hawaii and Russia in Alaska. 

What is Manifest Destiny?  It is the  doctrine or belief that the expansion of the US throughout the American continents was both justified and inevitable, and it definitely challenges the notion that all men are created equal. Although ideally people in non-US areas should petition for statehood, foreign adversaries learned that they must either sell their claims to the USA or Americans, meaning the white race,  would take it by conquest because it was their manifest destiny to have the land from coast to coast.  Wikipedia says this about it:

------ Manifest Destiny -----

This was a controversial proposition for two reasons. First, idealistic advocates of manifest destiny like John L. O'Sullivan had always maintained that the laws of the United States should not be imposed on people against their will. The annexation of "All Mexico" would be a violation of this principle. And secondly, the annexation of Mexico was controversial because it would mean extending U.S. citizenship to millions of Mexicans. Senator John C. Calhoun of South Carolina, who had approved of the annexation of Texas, was opposed to the annexation of Mexico, as well as the "mission" aspect of manifest destiny, for racial reasons.[53] He made these views clear in a speech to Congress on January 4, 1848:

We have never dreamt of incorporating into our Union any but the Caucasian race—the free white race. To incorporate Mexico, would be the very first instance of the kind, of incorporating an Indian race; for more than half of the Mexicans are Indians, and the other is composed chiefly of mixed tribes. I protest against such a union as that! Ours, sir, is the Government of a white race.... We are anxious to force free government on all; and I see that it has been urged ... that it is the mission of this country to spread civil and religious liberty over all the world, and especially over this continent. It is a great mistake.[54]

This debate brought to the forefront one of the contradictions of manifest destiny: on the one hand, while identitarian ideas inherent in manifest destiny suggested that Mexicans, as non-whites, would present a threat to white racial integrity and thus were not qualified to become Americans, the "mission" component of manifest destiny suggested that Mexicans would be improved (or "regenerated", as it was then described) by bringing them into American democracy. Identitarianism was used to promote manifest destiny, but, as in the case of Calhoun and the resistance to the "All Mexico" movement, identitarianism was also used to oppose manifest destiny.[55]Conversely, proponents of annexation of "All Mexico" regarded it as an anti-slavery measure.[56]


The controversy was eventually ended by the Mexican Cession, which added the territories of Alta California and Nuevo MΓ©xico to the United States, both more sparsely populated than the rest of Mexico. Like the All Oregon movement, the All Mexico movement quickly abated.

------------

Now, 170 years later, we know that a deluge of Mexicans and others from  IberoAmerica, the West Indies, Africa, and Muslim lands have brought people into the land, and ultimately the electorate, millions of non-whites who do not share the religious or cultural ideals of US whites, and to a large extent resent whites just for existing and being generally superior to and more highly productive than them. As La Griffe du Lion pointed out in his article Cognitive Decline, the Irreducible Legacy of Open Borders (2005), it is civilizationally suicidal to allow hordes of stupid people to immigrate. As the population becomes ever less white (whites no longer are the majority race of children born in the USA), it becomes ever less responsible because of lower intelligence of the bulk of those non-whites in the population, and because of their 3rd world, truly alien, cultural values.  Thus, the non-whites definitely constitute a threat to American civilization.

The big question:  what will the great white hope, President Donald J. Trump, do about it?  Will he show the leadership needed to block immigration of Muslims and dangerous or low-productivity people, and curtail the expansion and suffrage of the low-IQ population?  Or will he stand by and watch the expansion continue apace until the stupid and irresponsible swamp the will of a significantly more intelligent minority at the polls?

And here's another pesky question.  Does the USA still have the same "manifest destiny" it had in the 19th and 20th centuries to take other lands by purchase or conquest?  The nation has had plenty of chance to snatch and keep the Philippines, Cuba, Korea, Vietnam, Afghanistan, Iraq, Kuwait, Germany, Italy, and Japan in the past century as the spoils of war.  That's a lot of people to force to make English their native tongue.  Maybe our nation's leaders learned a hard lesson from France and Italy, now swamped with non-whites from their former African colonies, and from our own travails as a consequence of permitting entry into the land of slaves from Africa and the West Indies.

It should come as no surprise that the average IQ of gene groups (such as in racial groups) correlates very highly with the value of productivity of the group.  Richard Lynn and Tatu Vanhanen analyzed national IQ scores in contrast to Gross Domestic Product and found very high correlations except when the style of government (such as the Communist government of China) interfered with productivity value.  See their paper Intelligence and the Wealth and Poverty of Nations.

Also see Lynn and Vanhanen's  IQ and the Wealth of Nations (2002) and IQ and Global Inequality (2006), and Richard Lynn's Race Differences in Intelligence (2015).

I also recommend the analytical articles by La Griffe du Lion: The Smart Fraction Theory of IQ and the Wealth of Nations (2002) and Smart Fraction Theory II: Why Asians Lag (2004).  These works by Lynn, Vanhanen, and duLion have angered politically correct liberal elitists who feel loathe to admit that average IQ markedly differs between nations or racial groups, and that even if they differ, they are not genetic in nature, and even if they are genetic in nature, they don't show one group as superior or inferior to another.  They'd prefer that we all just shut up about the subject and pretend it doesn't exist so they can impose a guilt trip on anyone who claims one racial group or nation is superior to any other for purposes of building an advanced civilization.  Too bad for them.  Attention MUST BE PAID to these very important issues because of the demonstrably high correlation between intelligence and value to civilization in terms of productivity, value of productivity, and ability to provide for one's family, community, and nation.  I personally believe American civilization's survival and advancement depend on these important principles.

The issue here has nothing to do with the skin color of Americans.  It has everything to do with the average intelligence of racial groups, and the necessary measures for elevating that intelligence so as to enable the groups to have a higher value of productivity and greater worth overall to society and to the American Civilization.  Skin color just happens to constitute a marker of average intelligence of the racial or gene group.  Regardless of race, all Americans should aspire to elevate the quality and capability of their own gene group so as to maximize its value to the advancement of civilization AND to give its members a decent standard of living. 

It should come as no surprise that the average IQ of gene groups (such as in racial groups) correlates very highly with the value of productivity of the group.  Richard Lynn and Tatu Vanhanen analyzed national IQ scores in contrast to Gross Domestic Product and found very high correlations except when the style of government (such as the Communist government of China) interfered with productivity value.  See their paper Intelligence and the Wealth and Poverty of Nations.

Also see Lynn and Vanhanen's  IQ and the Wealth of Nations (2002), IQ and Global Inequality (2006), and Richard Lynn's Race Differences in Intelligence (2015).

I also recommend the analytical articles by La Griffe du Lion: The Smart Fraction Theory of IQ and the Wealth of Nations (2002) and Smart Fraction Theory II: Why Asians Lag (2004).  These works by Lynn, Vanhanen, and duLion have angered politically correct liberal elitists who feel loathe to admit that average IQ markedly differs between nations or racial groups, and that even if they differ, they are not genetic in nature, and even if they are genetic in nature, they don't show one group as superior or inferior to another.  They'd prefer that we all just shut up about the subject and pretend it doesn't exist so they can impose a guilt trip on anyone who claims one racial group or nation is superior to any other for purposes of building an advanced civilization.  Too bad for them.  Attention MUST BE PAID to these very important issues because of the demonstrably high correlation between intelligence and value to civilization in terms of productivity, value of productivity, and ability to provide for one's family, community, and nation.  I personally believe American civilization's survival and advancement depend on these important principles.

When it comes to elevating the quality of the gene pool, such elevation can only happen through slaughter of inferior gene groups or widespread benign eugenics programs.  I prefer the latter, but history has a bounty of examples of the former when gene group leaders failed to do the latter.  The time has come for national dialogue on this very important subject of eugenics and how to implement it across the land while it is still possible.

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Bob Hurt
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