Tuesday, March 22, 2011

Little about the Uyghurs

In the middle of the desert landscapes of Taklamakan, in the north-west part of China, the land of Xinjiang is the least populated land while it covers close to a sixth with the nation's territory. Getting resisted while in centuries the Han Chinese domination, Xinjiang, or Old East Turkestan, fell under the Chinese Han domination in 1949. From then, its population is generally Uyghurs and Turkic - speaking System.

Muslim mainly, the Uyghur people have a very good religious identification which, in specific, allowed them to keep a solid difference in opposition to the Chinese invader. In fact, the Uyghur Empire of Mongolia knew a excellent civilization, until its absorption by the Mongolian Empire in the XIIIth century.

During their historical past, the Uyghur People successively taken on Shamanism, Manicheism, Buddhism and the Nestorianism before finally moving to Islam when the Arab conquerors beat the Chinese in year 751 BC., thus starting the way to the Islamization of the whole Central Asia.

Under the influence of the beliefs which they adopted, the Uyghurs taken successively, and at times in a competing way, a large number of written forms (turco-runic, brahmi, tokharien, soghdien) before developing their own unique graphic system.

The entrance of Islam was a great modification since it was followed by the absorption of the Uyghur land in the immense Turco-Mongolian and Islamic Kingdom. Thus, the descendants of Genghis Khan slowly replaced their writing by a Arabo-Persan alphabet, still used at present.

If their writing, their own language and their religion mark a real difference with the tradition of Chinese Han, the Uyghurs also differ from their aspect, so characteristic of Central Asia's people. A matt skin, eyes representing a whole pallet of colors, from black to deep blue, features directing out to the Mongolian, Turkish or Uzbek roots of these men and these women.

For a few years, China has integrated the proper identity of these remote people, although they represent only nine million people - a trifle for this particular big country. So, Uyghur people are now part of the fifty six ethnic minority groups having been well-known in an official way by the People's Republic of China.

This particular law allows them a few privileges in a country where their big difference is very often repressed. Thus, Uyghur families escape the "single child policy" and their language is known as the second official language in Xinjiang Uyghur Autonomous Region.

The integration of the Uyghur people and their culture in China, however, seems very illusory. The presence of all natural sources in Xinjiang, and its area with nations well-known as sensitive, clearly urged the government to accelerate the sinicization of this area. Million of Han thus came to settle in this new Chinese eldorado, monopolizing the more significant responsibility work opportunities.

In reaction to this true will to assimilate the Uyghur people into the Chinese culture, an independent party like East Turkistan Islamic Movement(ETIM) was born in the early 1990.

Asserting more flexibility, but especially the acceptance of their true identity, this movement was seriously repressed by the power authorities in location Xinjiang.

The events of September 11, 2001, were the perfect occasion for the Chinese government to justify true reprisals: they declared the "Uyghur freedom fighters" as dangerous terrorists linked to Al Quaida because of their Muslim origins and their proximity with Pakistan and Afghanistan... However, the terrible repression which followed did not calm down the anger. The Uyghurs population continues today to proudly hold their identity and their civilization , although they become a minority on their own territory.

To get more detailed information and facts about Uyghur people, you can visit a Uyghur website called Uyghur News at http://www.uyghurnews.com

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Wednesday, March 16, 2011

foreclosure law

We pointed last week to an analysis by Lynn Syzmoniak that showed that foreclosures across a number of different servicers were way down in January 2011 versus the same period in January 2010. This was admittedly a tally in only two Florida counties, but she indicated that a quick look at other counties in Florida showed a similar pattern.

So the question then becomes: is this a Florida only development, due perhaps in part the fact that all the big foreclosure mills in the state are under investigation by the state AG and are imploding (as in losing clients and shedding staff)? Or is this a broader trend due to the robo signing scandal leading judges being more receptive to arguments about chain of title and validity of transfers? Before, the assumption was “bank right, borrower trying to abuse the law to stay in house”. Now more judges, seeing that banks have run roughshod over legal requirements, are prepared to give borrower arguments a hearing. That forces banks to up their game, which in turn may be the real driver for this apparent slowdown in foreclosure actions. If that was the main driver in Florida, we’d expect to see similar patterns in other states.

We are seeing analogous developments, but the drivers appear to be state specific, as judges give adverse rulings on common practices in foreclosure land. Reader wc4d pointed to a report in the Portland Oregonian, that lenders are withdrawing cases because five court decisions have found that lenders that used MERS violated state recording laws.

This is a vivid illustration of a point made in an article on MERS yesterday by Gretchen Morgenson:

MERS was flawed at conception, those critics say. The bankers who midwifed its birth hired Covington & Burling, a prominent Washington law firm, to research their proposal. Covington produced a memo that offered assurances that MERS could operate legally nationwide. No one, however, conducted a state-by-state study of real estate laws.

“They didn’t do the deep homework,” said an official involved in those discussions who spoke on condition of anonymity because he has clients involved with MERS. “So as far as anyone can tell their real theory was: ‘If we can get everyone on board, no judge will want to upend something that is reasonable and sensible and would screw up 70 percent of loans.’ ”

As we’ve also noted, recording clerks in single counties in Massachusetts and North Carolina are looking into how to recover recording fees from MERS, but the cost of litigation means they’d need other counties in the same states to join or the state attorney general to take up the matter. By contrast, the Oregon decisions don’t hit small fry MERS; they are a big problem for the banks themselves. As the Oregonian reports:

Sales of hundreds of foreclosed homes in Oregon have been halted or withdrawn in recent weeks after federal judges repeatedly questioned their legality, according to a number of real estate attorneys in the state.

Lenders have withdrawn more than 300 foreclosure sales since February in Deschutes County alone, one of the Oregon area’s hardest hit by the housing collapse. About 130 of those notices were filed in the past week, attorneys say.

Dozens of foreclosure listings by ReconTrust Co., the foreclosure arm of Bank of America Corp., have disappeared from its website, attorneys say…

Since October, federal judges in five separate Oregon cases have halted foreclosures involving MERS, saying its participation caused lenders to violate the state’s recording law. Three of those decisions came last month, the key one in U.S. Bankruptcy Court in Eugene.

Attorneys say it’s not clear whether lenders in Oregon will simply start over or head to court to foreclose, steps that could prolong the crisis for months and drive up costs, attorneys say. Some suggest lenders might not have access to the documents they need to comply with state law.

“A lot of us are questioning whether there is a solution,” said David Ambrose, a Portland attorney who represents lenders in mortgage transactions. “It’s pretty amazing. There are a lot of unanswered questions.” ….

In Oregon, lenders can foreclose without going to court. But state law also requires that the loan’s ownership history, or assignments, be recorded with local county governments before proceeding with a nonjudicial foreclosure.

In the Eugene court case, Donald E. McCoy III filed for bankruptcy protection in part to block U.S. Bank from foreclosing on his Central Point home. He then sued the bank and MERS, along with his original lender BNC Mortgage Inc., claiming they had not properly recorded BNC’s subsequent sale of the loan to investors.

Chief Bankruptcy Judge Frank R. Alley III found McCoy’s allegation persuasive and refused to grant the bank’s request for a dismissal.

“Oregon law permits foreclosure without the benefit of judicial proceeding only when the interest of the beneficiary (lender) is clearly documented in a public record,” Alley wrote. “When the public record is lacking, the foreclosing beneficiary must prove its interest in a judicial proceeding.”

This looks like an epic fail for the banks, at least in Oregon. To save maybe $50 on recording fees, they are now going to have to go to court to foreclose. And worse for them will be cases where the records don’t pass muster. Recall that servicers advance principal and interest to investors when borrowers become delinquent. They then reimburse themselves out of the foreclosure proceeds. No foreclosure and they are out a lot of dough.

As Morgenson’s source indicated, the banks brazenly assumed that the courts would simply roll over rather than block the extra-legal imposition of a new system. But there is enough of a semblance of rule of law in the US to undermine all the cost savings and corners-cutting they engaged in. Recall this recent New York decision:

This court does not accept the argument that because MERS may be involved with 50 percent of all residential mortgages in the country, that is reason enough for this court to turn a blind eye to the fact that this process does not comply with the law.

The courts are delivering the banks an unrelenting series of deserved unkind cuts. This is getting to be interesting, and for a change, in a good way.

Comments

Please use the comments to demonstrate your own ignorance, unfamiliarity with empirical data, ability to repeat discredited memes, and lack of respect for scientific knowledge. Also, be sure to create straw men and argue against things I have neither said nor even implied. Any irrelevancies you can mention will also be appreciated. Lastly, kindly forgo all civility in your discourse . . . you are, after all, anonymous.

8 Responses to “Stern Foreclosure Mill Closing”

Barry Ritholtz Says:

March 7th, 2011 at 2:56 pm

I find it amusing that I am the first Tweet on this

ashpelham2 Says:

March 7th, 2011 at 2:57 pm

Mr. Ritholtz, didn’t you predict something like this last week? Would you like to spend a weekend in Atlantic City? :D

curbyourrisk Says:

March 7th, 2011 at 3:50 pm

Here’s to hoping your cellmate is a Big Ass Bad MOFO who had his conjugal visits stripped away from him years ago……

mmmm…fresh meat!!!!

doug Says:

March 7th, 2011 at 3:59 pm

BR, if you follow your tweet link, the browser ‘back’ arrow is somewhat disabled, trapping you in tweetworld.

I call douche baggery by the tweet folks…

And yes on the ‘hoped for’ cell mate for Stern

jaymaster Says:

March 7th, 2011 at 4:25 pm

I’m a bit offended by your use of the term “douche bag”.

By associating the term with such an unsavory character, you are perpetuating a negative perception of a perfectly useful product.

And some of your foreign readers might conflate the term with the more offensive European phrase “Deutsche Bank”.

rktbrkr Says:

March 7th, 2011 at 6:25 pm

He should have stayed NBA commish…

Barry Ritholtz Says:

March 7th, 2011 at 6:37 pm

LOL

That’s Very funny

Greg0658 Says:

March 8th, 2011 at 8:47 am

I wiki’d that too “NBA commish” unrelated & not 1 in the same

(unless the database has been tampered with)

You must be logged in to post a comment.

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Monday, March 14, 2011

Making Money Web

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Friday, March 11, 2011

Ways of Making Money

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Regardless of unions’ long hatred of Scott Walker, the new governor is shifting to address both equally the symptoms from the illness plus the sickness itself-the public-sector union scheme which has molested Wisconsin’s taxpayers and their kids by gaming the strategy. Unions like Wisconsin’s teachers’ union [WEAC] (which was Wisconsin’s biggest-spending lobby in 2009) have already been extraordinarily adept at fixing the strategy by using spending hundreds of thousands to elect politicians who, in turn, reward the unions in the expense of your taxpayers.

the Wisconsin battle, when when compared with private-sector negotiations is about: 1) the Scope of Bargaining, two) Union “Income” Security [Right-to-Work vs. Forced Dues], three) no matter whether Wisconsin should be the unions’ dues collection agency [payroll deduction of dues], and 4) whether or not public-sector unions must be ‘recertified’ by keeping elections just about every yr.

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Making Money on Line

On Monday night time, I watched my initial, The Last Word host Lawrence O’Donnell.
Though O’Donnell laudably attempted to focus the audience’s attention onand hopefully last, Charlie Sheen trainwreck interview, courtesy of the tragic undertow that threatens to pull Sheen below for fantastic, I used to be overtaken, not through the pulling around the thread, and then the voracious audience he serves. It did not make me sad, it produced me angry.

In regards to celebrities, we could be considered a heartless country, basking in their misfortunes like nude sunbathers at Schadenfreude Seashore. The impulse is understandable, to some diploma. It could be grating to listen to complaints from consumers who love privileges that the majority of us can’t even visualize. If you happen to cannot muster up some compassion for Charlie Sheen, who makes additional income for any day’s give good results than many of us will make inside of a decade’s time, I guess I can not blame you.

Together with the speedy pace of activities on the web and then the knowledge revolution sparked through the Web-based, it is extremely straightforward for that engineering industry to assume it’s one of a kind: continuously breaking new ground and performing important things that no person has ever before accomplished in advance of.

But one can find other sorts of company which have already undergone a lot of the same radical shifts, and have just as awesome a stake inside the potential.

Take healthcare, for example.

We commonly believe of it like a tremendous, lumbering beast, but in reality, medicine has undergone a series of revolutions from the past 200 years which might be at the very least equal to individuals we see in technology and data.

Much less understandable, but however within just the norms of human nature, would be the impulse to rubberneck, to slow down and have a look at the carnage of Charlie spectacle of Sheen’s unraveling, but with the blithe interviewer Sheen’s lifestyle as we pass it while in the most suitable lane of our everyday lives. To be straightforward, it can be difficult for many people to discern the distinction amongst a run-of-the-mill attention whore, and an honest-to-goodness, circling the drain tragedy-to-be. On its own merits, a quote like “I Am On the Drug. It is Called Charlie Sheen” is sheer genius, and we cannot all be expected to consider the full measure of someone’s existence each and every time we hear something amusing.

Speedy ahead to 2011 and I am endeavoring to take a look at usually means of currently being a little more business-like about my hobbies (generally music). From the end of January I had manned up and started off to advertise my weblogs. I had put together plenty of various weblogs, which were contributed to by acquaintances and colleagues. I promoted these activities by using Facebook and Twitter.

2nd: the little abomination that the Gang of 5 on the Supream Court gave us a 12 months or so in the past (Citizens Inebriated) basically is made up of somewhat bouncing betty of its own that could highly nicely go off during the faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. Considering that this ruling extended the idea of “personhood” to equally companies and unions, to check out to deny them any perfect to operate in the legal framework that they were organized beneath deprives these “persons” for the freedoms of speech, association and motion. Which implies (the moment again, quoting law college trained family members) that either the courts really need to uphold these rights for the unions (as particular person “persons” as guaranteed through the Federal (and most state) constitutions, or they've to declare that these attempts at stripping or limiting union rights really need to apply to leading businesses, also.

James Franco Told Frida Giannini He’s Making A Gucci Film

by Julia Rubin | 5:25 pm, February 19th, 2011

The March issue of Harper’s Bazaar just won’t quit…and it hasn’t even hit newsstands yet. In addition to pieces on Kim and Liz, Prabal and DVF, Daphne and Hillary, the magazine also features an interview James Franco conducted with his friend Frida Giannini.

The Gucci creative director dished on all sorts of things with the actor/director/soap star/student/overachiever who had this to say about the designer: ”Frida and I have been in sync since we met. I love her work, and she supports mine. Creatively, I know we will always be in line with each other.” (Also, Franco joked that his next project is “making a documentary about you and Gucci.” But we just don’t know if he’s kidding.)

On Gucci’s pragmatism:

JF: When you see the clothes at a fashion show, sometimes they’re more extreme than what you see in the store, right?

FG: Well, not always at Gucci. I believe what we are showing on the catwalk needs to be in the stores. The big stores like in New York or London or Paris, the main flagships, they always have the entire collection–even the extreme pieces. There are people who are waiting for the extreme pieces from the fashion show. We are not the kind of company that thinks, Okay, I’ll do something for the runway, and I’ll make an entire new collection to sell.

FG: Chanel is always doing incredible sets, and they change it every time. We’d rather spend money on other things than make a big, spectacular thing you would see for 10 minutes because we are working for six months on a collection.

On fashion globalism:

JF: So then, because Gucci is all over the world and you’re thinking about people actually wearing these clothes, do you have to think slightly differently for each part of the world?

FG: I never think about it because I think people in the world, from the U.S. to Asia, love Gucci because it’s about aspiration. I don’t think if I made a speciic collection for a Chinese woman, she would be happy. They don’t want something speciic for them. I did a collection that was very Russian, inspired by the artists in Russia in the ’20s and ’30s who left and went to Paris. It performed very well all over the world–except in Russia.

JF: And why, do you think?

FG: I talked to the managers in Russia, and they said they didn’t like the reference to them. So this is an example that was quite strange. Maybe if I make a collection inspired by India, with the colors of India, people in India won’t like it.

On criticism:

JF: I know Harper’s Bazaar is here listening to us, but if you’re criticized heavily in a big fashion magazine, does that have any real effect on sales or what people like?

FG: The first couple of seasons, I was in shock sometimes because I had very mixed reviews, especially because it was right after Tom Ford. Can you imagine the pressure? I am a woman; he is a man. I am Italian; he is American. Very, very different. Now I am much more relaxed; sometimes I receive very bad criticism and read between the lines of the bad reviews.

Sometimes I have thought it was a good suggestion for me because I know that the journalist has a great mind and has much more experience than me. Generally speaking, I’m very open to criticism. I will never say, “I had a bad review from you; I don’t want to meet you anymore.” I believe in what I am doing, and I believe in my ideas, but I think it is very constructive to be open to understanding other thoughts.

[Harper's Bazaar]

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I’m getting some worried e-mails from Hill staffers who think Senate Democrats might rubberstamp a policy House Republicans passed to undermine the Affordable Care Act. It’s the sort of policy decision that won’t get much attention but could have some very big, and very bad, effects, so let’s take a moment and go through it.

If you’ve been paying attention to the debate over the Affordable Care Act, you’ve probably heard about the 1099 provision. Essentially, small businesses manage to avoid paying taxes on a lot of small transactions. The 1099 provision would’ve forced them to report those transactions, raising about $20 billion over 10 years. But it would’ve require a lot of paperwork. So much paperwork, in fact, that Democrats agreed to repeal it.

When the Senate repealed the provision, they paid for it by canceling other spending that Congress had authorized, but that hadn’t yet been put to a particular purpose. House Republicans took a different approach. They’re trying to sharply increase the amount of subsidies that families will have to pay back if their income increases during the course of a year. The Center on Budget and Policy Priorities has a longer explanation of how this would work, but here’s the short version:

Under their proposed policy, a family with income at 225 percent of the poverty line who needed subsidies for the first half of the year but canceled them mid-year when the husband got a better job could get a bill for more than $4,500 at the end of the year.

A more worrying example goes the other way: Imagine a family where the breadwinner makes much more than 400 percent of poverty, but loses his job late in the year. He tries to apply for subsidies so the family can keep getting health insurance but is told that he shouldn’t bother — because his total income that year will still be above 400 percent of poverty, he’ll get a bill at the end of the year forcing him to pay back the money.

The Affordable Care Act, unfortunately, already includes a “payback” policy along these lines — the House Republicans are just proposing to make it much, much worse. This will do two things: make people hate the Affordable Care Act for bait-and-switching them, and keep people from entering the exchanges because they’ve heard horror stories of huge bills. It’s clear why the GOP wouldn’t mind that outcome, but there’s no reason for Democrats to accept it. The Senate should stick with the 1099 repeal that the Senate has passed.

Source: http://removeripoffreports.net/ online reputation management

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Saturday, March 5, 2011

Online Money Making Opportunities

The new co-presidents of Walt Disney Co.'s digital media group used the platform of the company's investor conference in Anaheim on Thursday to say what Wall Street has been longing to hear: that the money-losing division will achieve profitability in 2013.

John Pleasants, co-president of Disney Interactive Media Group, said the division made significant layoffs in January and plans an additional 25% cut in operational overhead "in our march to profitability." No details on timing were offered.

"In the last 90 days, we've focused on getting the right team and scaling the team to where the business is today," Pleasants said, adding that the earlier wave of job reductions had already "taken millions of overhead out of the Interactive media group."

Pleasants and Co-President Jimmy Pitaro talked about refocusing the business to take advantage of new opportunities online and on mobile devices -- a theme Disney Chief Executive Robert A. Iger has underscored in earnings calls with investors.

The interactive group will begin shifting resources away from developing games for the mature console market, reducing spending by 50% over the next four years, Pleasants said. "That does not mean we won't be making boxed product," he hastened to add, noting the popularity of the Epic Mickey title released late last year.

Pleasants, who oversees games and social media within the division, talked about better capitalizing on opportunities -- not only on emerging technological platforms, but in burgeoning international markets. He said the division will narrow its focus to "four to six major franchises," creating content to take advantage of growth areas, while experimenting with business models -- from free to subscription to micro-transactions, in which players pay modest sums to enhance their online experience.

The group aspires to create its own world-class character franchises that can flow to other parts of the entertainment giant's businesses, much as Pixar Animation's "Toy Story" characters or Marvel Entertainment's superheroes fuel merchandise sales.

One such home-grown franchise Pleasants highlighted is Club Penguin, an online world for children that has grown by 400% in the last three years.

Pitaro, who has oversight of the Disney.com portal and a collection of websites for mothers and families,talked about creating a more personal experience that's shaped by a user's interests.

"When we deliver the right content to the right user at the right time," Pitaro said, "we'll grow reach and engagement and have a more powerful platform to surface the fantastic content we have across our company,"

-- Dawn C. Chmielewski

I love these little white board demos that Austan Goolsbee does on a fairly regular basis. It's such a nice, sane, intelligent version, especially in comparison to some of the bat-$#!% crazy ones we're forced to watch while monitoring Fox News.

In this one, Goolsbee talks up the National Wireless Initiative. I don't know if our generally myopic world view makes the fact that we have such slow internet speeds (compared to other countries) something that is well-known. I suspect not.

But the Obama administration does want to address that and extending internet connectivity to far more people in the hopes of stimulating job growth and thereby, the economy:

As the President explained today, his plan would expand wireless coverage to 98% of Americans, while reducing the deficit by nearly $10 billion by making more government spectrum available:

For our families and our businesses, high-speed wireless service, that’s the next train station; it’s the next off-ramp. It’s how we’ll spark new innovation, new investment, new jobs.

And you know this here in Northern Michigan. That’s why I showed up, in addition to it being pretty and people being nice. (Laughter and applause.) For decades now, this university has given a new laptop to every incoming student. Wi-Fi stretched across campus. But if you lived off-campus, like most students and teachers here, you were largely out of luck. Broadband was often too expensive to afford. And if you lived a bit further out of town, you were completely out of luck, because broadband providers, they often won’t build networks where it’s not profitable, just like they wouldn’t build electrical lines where it wasn’t profitable.

So this university tried something new. You partnered with various companies to build a high-speed, next-generation wireless network. And you managed to install it with six people in only four days without raising tuition. Good job. Good job, Mr. President. (Applause.) By the way, if you give me the name of these six people -- (laughter) -- there’s a whole bunch of stuff in Washington I’d like to see done in four days with six people. (Laughter.)

So today, this is one of America’s most connected universities, and enrollment is near the highest it’s been in 30 years.

And what’s more -- and this is what makes this special -- you told nearby towns that if they allowed you to retrofit their towers with new equipment to expand your network, then their schools, their first responders, their city governments could use it too. And as a result, police officers can access crime databases in their cars. And firefighters can download blueprints on the way to a burning building. And public works officials can save money by monitoring pumps and equipment remotely.

And you’ve created new online learning opportunities for K-12 students as far as 30 miles away, some of whom -- (applause) -- some of whom can’t always make it to school in a place that averages 200 inches of snow a year. (Laughter and applause.) Now, some of these students don’t appreciate the end of school [snow] days. I know Malia and Sasha get really excited about school [snow] days. Of course, in Washington things shut down when there’s an inch of snow. (Laughter.) But this technology is giving them more opportunity. It’s good for their education, it’s good for our economy. In fact, I just came from a demonstration of online learning in action. We were with Professor Lubig and he had plugged in Negaunee High School -- (applause) -- and Powell Township School in Big Bay. (Applause.) So I felt like the guy in Star Trek. I was being beamed around -- (laughter) -- across the Upper Peninsula here. But it was remarkable to see the possibilities for these young people who are able to, let’s say, do a chemistry experiment, and they can compare the results with kids in Boston.

Or if there’s some learning tool or material they don’t have immediately accessible in their school, they can connect here to the university, and they’re able to tap into it.

It’s opening up an entire world to them. And one of the young people who I was talking to, he talked about foreign policy and what we were seeing in places like Egypt. And he said, what’s amazing especially for us is that now we have a window to the entire world, and we can start understanding other cultures and other places in ways that we could never do without this technology.

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