Saturday, July 26, 2008

Mildred Dean Greater Monrovia Lions Club President visits U.S. Headquarters

Mildred Dean President of the Greater Monrovia Lions Clubs located in West Africa visits the International Headquarters in Oak Brook, Illinois located in United States of America. The Lions Club is a community base organization. This years Club motto,"We Serve" has never been more appropriate today than any other year. This is due to the Lions biggest challenge facing Lionism; which is in its worldwide decling membership. The Greater Monrovia Lions Club received its orginal charter in 1962. However, due to the Liberian Civil War, that Club became inactive until after the Civil War ended. The Greater Monrovia Lions Club renewed its club membership in 2004. Midlred Dean is the second woman in Liberia's Lions Club history to become president of that chapter. International President Albert Brandel has just been elected to his position in Bangkok, Thailand. this July. Bankgkok, Thailand is where the International Convention was held. International President Albert Brandel faces many needs in his world communities as the newly elected Lions Club President . One of his primary challenges is the decline of membership in those worldwide Lions communities.

It is vital that each club President grows Lions membership . This years Lions theme is "Miracles Through Service." Which will assist in promoting membership enrollment. Mildrend Dean, Liberia's Lions Club President was accompanied by Lee Davis, Southern California's Write-In Congressional Candidate in the 37th District. International President Albert Brandel invited Lee Davis to become a member of the Lions Club. Congressional Candidtae Lee Davis is considering becoming a Lions member. Membership is by inviatation only, and it is quite an honor to be invited to join the club by the Internaitonal President. Currently Lee Davis is actively campaigning as a Write-in candidate in the cities of Long Beach, Compton, Rancho Dominguez, Carson, parts of Gardena, and parts of Los Angeles which includes Watts. During their visit President Albert Bandel pinned President Dean and gave her an International President's Lions Banner at the Headquarters. President Mildred Dean of the Greater Monrovia Lions Club presented Lions International President Albert Brandel with their 2008-09 Greater Monrovia Installation of Officers Brochure along with a wonderful Panamanian Straw hat. International President Albert Brandel modelled the hat for everyone. President Mildred Dean closed her meeting with an invitation to International President Albert Brandel to visit the Greater Monrovia Lions Club in Liberia, West Africa.

Wednesday, July 23, 2008

All Stars-Musical Concert Presented by Slug Nyna Rossi

ENTERTAINMENT * Coast to Coast

Gary, Indiana
Saturday, August 23, 2008
Time: 8-11 pm
Venue: Glen Theater 20th Ridge Road

Ms. Slug Nyna Rossi and Ill Legion Music Group, Incorporated presents "The Midwest Movement" Musical Concert on Saturaday August 23, 2008 at 8 pm - 11 p.m. at The Glen Theater 20 Ridge Road-Gary, Indiana for more information call: (773) 698-5912 Guest Artists Includes: Crucial Conflict, Mut Dog, Implicit, Mr. Mr., Major Leagaz, Swift, and G Ball just to name a few. ADMISSION 21 and older. Tickets $25.00 advance, at the door $30.00.
Miss Nyna Rossi is a native of the West Side of Chicago. An artist in her own rights has appeared on both independent and nationally distributed albums. She has worked with various producers that include Spike and Jamal, Keith Crouch, and Joe Traxx. She is truly a refined diamond for Event Planning, and Promotions.

Friday, July 18, 2008

Immigration and the Issue of Citizenship

These are business owners on Pacific Avenue in Long Beach in the Wrigley Village Business District created by- Lee Davis. She is the Founder and First President of the Business District.- VOTE Lee Davis For Congress- June 3, 2008

When I look at what Freedom and what it means to Americans. I think of legislation without strings. I look a legislation that would be just for all ;rather it is an African coming from that Sudan, Ghana, or Haiti a Canadian coming Quebec, or Montreal, or a Hispanic coming from Mexico, Cuba, or Central America. To become an American should be clear, just, and a policy that is set for all individuals entering the borders of our homeland; to enjoy the pursuant of happiness on our shores.

Laws can not be set for one individual and not applied to all. If the policy is to apply for citizenship, we must apply. If we are here illegally we must apply for citizenship. Should there be a policy for those who have broken the law. There should be a policy for forgiveness, repay back taxes, then apply for citizenship. After a set deadline anyone individual who has not applied for citizen should then be deported Any individual who has applied for citizenship that has committed any acts of violence is automatically deported.. After the application is reviewed, and all the requirements are met we should prepare the petitioners for citizenship.

Our economy is built upon the working class. Economic has created some of the immigration problems. We must put the look at not jut punishing the illegal, but the individuals who employ them. We must allow everyone who want to contribute to this nation enjoy the freedom of becoming citizens.

These Seniors and Disabled Were Denied Their Right To Vote

It is alleged, that in some precincts that ballots only included one candidate's name. It is also alleged if this statement is true, there were ballots in the other Housing Complexes throughout The 37th District. If we as candidates were given the same advantage, we would have accumulated 11,956 votes. The sixteen candidates paid their filing fee, qualified to be placed on the same ballot, but were allegedly omitted in the seniors’ federal housing complexes. throughout the 300 precincts...

Nevertheless, seniors who were allowed to vote; were picked up by a bus driver, wearing LAURA RICHARDSON t-shirts, the seniors were asked to sign their signatures and the ballots given to the bus driver; and he/she voted on behalf for the seniors.. Many senior voters stated they never saw their ballots. These stated irregularities are unfair advances, these stated election improprieties should disqualified Laura Richardson and re-called the election. The election was held June 26, 2007. We are requesting this election deemed null and void..

These seniors and disabled were given ballots with allegedly with only one NAME on June 26, 2007. See filed Court documents for more details on case # BC 377261

Don't Lose Your Home to a Thief

Mortgage scams are the Baskin-Robbin offerings—they come in 31 flavors. Here are three top choices of con artist and how to avoid them.. By Christopher Solomon

More Americans are losing their homes
MSN Money: 5 tips for wisely tapping your home equity
MSN Money: The consumers guide to credit counseling

If owning a home is the great American dream, then swindling people out their prized possession
Is one of the great, lucrative American scams. Mortgage fraud is on the rise, thanks to the tremendous value that’s locked up in real estate today and to the increasing number of people who are struggling to pay their mortgages.

“It’s kind of become the new get-rich-quick scheme out there,”says attorney Rachel Dollar, publisher of Mortgage Fraud Blog.

More than 323,000 properties entered some state of foreclosure in the first quarter of 2006 at 72% increase over the same period a year ago, according to Realty Trac. And things could get worse; Nationwide, more than one of three outstanding mortgages has an adjustable rate and interest rates have been rising. “Nobody really knows what’s going to happen,” says Realty Trac’s Rick, Sharga, vice president of marketing.

But scammers know that people in trouble make easy victims. They’re swooping in and offering to “help” beleaguered borrowers and ending up with their house keys. Victims sometimes spend years fighting to get their home back and some never succeed.

Meet Carl and Anthony

Carl and Anthony Calvagno of Deer Park, N.Y., on Long Island are in a hell like this right now.
In 2003, the Calvagnos were in trouble. Anthony Calvagno had health troubles and had lost his job. In order to pay their bills, the couple took out a home equity loan on the Cape Code style house that had been in the family for three generations. (At the time, the couple had a $125,000 mortgage on a house worth about $290,000 a high equity target.) But even the home equity loan wasn’t enough.

That ‘s when Mitchell Sims swooped in, offering to help, says the couple attorney, Arshad Majd.

Sims told the couple that he would arrange a ballout, and that hey should stop making mortgage payments, while he worked out the details. When foreclosure notices started showing up, he told the couple to ignore them, saying he’d take care of it.

Nearly eight weeks after Sims had entered their lives, and the day before their foreclosure was scheduled, Sims told the Calivagnos that the arrangement hadn’t worked. Instead, he said they’d have to file bankruptcy and enter a “special program” in which they’d sign over their house title to one of Sims employees and another of his business associates, who also happened to be Sims brother. They’d be allowed to live in their home as tenants, Sims told them, and their rent payments would be go toward buying their home back from him, says Majd. “They were put in the position where they didn’t have any choice” but to sell their deed, Majd says.

But , Sims never made any mortgage payments. He kept the Calvagnos rent money and about $50.00 of the couples’ money that remained after their creditors were paid

The Calvagnos had fallen victim to a scam known as equity stripping—just one of the many flavors of mortgage fraud. Their house was sold. Sims and another person have been put in prison for their crimes. The couple’s has successfully fought eviction so far but not everyone is so lucky. Here’s a quick look at three of the main ways scammers can steal the roof over your head.

Sacm No 1: The bailout, aka “equity stripping’

As the Calvagnos case shows, this scam is particularly ingenious—and humiliating for the victim. In theory, a person or company could help a homeowner keep his house via a process in which the homeowner sells the house very cheaply to them while the homeowner gets his finances in order. The new owner pays the mortgage, and the old homeowner pays to live in the home in the meantime, buying back the home (with interest) in a fixed amount of time. If the financial setbacks are temporary, and the co pa y is above-board, everybody can win: The homeowner keeps the house and the company earns a profit for its role as rescuer.

But “reconveyance,” as it’s sometimes known, is ripe for abuse.

Attorney leach Weaver, who focuses on fighting the scams as an Equal Justice Works Fellow at the Legal Aid Society of Minneapolis, explains how scammers work this fraud:
Suppose you’ve got a $200,000 home, with $100,000 of equity in it. A divorce and medical bills have you facing foreclosure. Suddenly, the phone rings with a ballout proposal.

So you sell your home, for $120,000 not much more than what’s owned on mortgage. Why sell for so little? “Because it’s never intended to be a true sale, “Weaver explains; remember, you don’t think you‘re selling the house permanently, but buying it back in a short period, right?

The new purchaser, meanwhile, take out a $120,000—wipes out any liens on your property and even gets house a little cash back; and you get a two-year lease with a purchase option at the end.

But soon you realize ;you’re in trouble. Why? Because scammers aren’t about to let you get your home back. Often, the lease terms desperate homeowners agree to turn out to be as onerous as their previous mortgage payments that helped get them into trouble. Con artists also manipulate victims when facing cruicul deadlines.

“One of my clients was told that payments were going to be under $1,000 a month,” Weaver recalls. But the criminals dragged out the process until the foreclosure was imminent and she was backed into a corner. “When she got to the closing. They were like, “Oh, no, the payments are going to be $1,150.

“Inevitably,” she says, “ you’re going to default.”

And default isn’t pretty. The new purchaser evicts you as soon as possible, sells ;your $200,000 loan and pockets about $80,000—all for a few month’ work, says Weaver, Some people don’t even fight back because they don’t know they have options—such as calling a lawyer, says attorney Dollar.

Do’s and don’ts:
Don’t fall for promises like “well save our credit,”; We’ll buy your house as is’; or We’ll get you a new mortgage with low monthly payments.”

Don’t sign away ownership of your property (sometimes called a “quit claim deed) to anyone without the advice of lawyer you trust. “When people get behind on their loan payments, they get a bit desperate, but the answer is not putting someone else on your title, says Oakland real-estate attorney James Hand.

Because of any home sale contract where you aren’t formally released from liability for your mortgage, Also, make sure you know what rights you‘re giving up and that you agree to giving them up and that you agree to giving them up.

Sca No. 2. Phantom help

This scheme is fairly simple; Lets say you’re way behind on your home payments and facing foreclosure. An individaul or grop approaches and offers to help—then charges you thousands of dollars for various administrative duties like filing forms and phone calls, or else keeps simply promising a big rescue later. You can probably guess what’s really going on: The “helper:” isn’t really doing anything at all to stop your foreclosure despite collecting thousands from you. By the time you figure out you’ve been hoodwinked, it’s often too late to stop the loss of your house.

How did the scammer know to target you, anyway? That’s easy: When a lender schedules the home for public auction, the matter becomes public record. In just more than half of the states, a lawsuit must be filed in order to spur a sale. Anyone can check the court documents to find the list of lawsuits, says Elizabeth Renuart, an attorney with the National Consumer Law Center and co-author of a major report last year on mortgage fraud called ”dreams Foreclosed.” Soon, a letter or phone call comes like something from a guardian angel—only it’s a vulture.

In the other states (including California and Massachusetts, for example) the process doesn’t go through the courts; foreclosure sales simply must be advertised publicly, as in the local newspaper. This latter process usually moves faster—and makes already stressed homeowner even more vulnerable to a scam, says Renuart.

Do’s and don’ts:
Do call your mortgage company or lender if you’re in trouble. Ask for the loss mitigation department. Contrary to popular perception, lenders don’t want to steal your house, says attorney Dollar. They want to work with you. Why? “Lenders always lose money on foreclosures, even in a rising market:” Dollar says. Scammers, on the other hand, will try to keep you from communicating with your lender.

Don’t call for assistance form one of those ubiquitous signs on telephone poles that advertise help. Chances are, that’s not where help lies.

Do proceed with caution, if a company or person:

Describes itself as s “Mortgage consultant,” “foreclosure service,” or something similar
Collects a fee before giving any services;
Advertises to people whose homes are listed for foreclosure, including anyone who sends flyers or solicits door-to door; and
Says you should make home mortgage payments directly to them or to their company instead of your mortgage lender

Don’t panic. Get full information on the foreclosure process in your state. Make sure you know All deadline—for court, for document filings, etc. State usually have associations that can offer free advice. Minnesota, for example, has the Minnesota Housing Finance Agency as well as the Minnesota Mortgage Foreclosure Prevention Association, which has federal Housing and Urban Development counselors available. For who to turn to for advice, click on your state here.

Scam Now 3” The bait-and-switch

In this scam, which NCLC calls the bait-and switch,” con artists actually trick a homeowner into signing over the deed to a home without his knowledge.

How could somebody fall for this?

Attorney Hand gives an example. Hand is dealing with 10 cases involving th same real estate broker, Kaseem Mohammad of Union City, Calif., who has been charged with 12 counts of real estate fraud. One of Mohammad’s strategies, Hand say, was to visit his alleged victims armed with a load of document on a clipboard and place marked with Posit notes indicating where to sign. His victims some of whom were elderly, or didn’t speak English well –were usually overwhelmed by the documents and also couldn’t exactly see what they were signing thanks to the clipboard. And one of the things Mohammad allegedly got them to sign was a “grant deed” that passed their home’s title to a third party.

You don’t have to be old or anon-English speaker to be stymied by the legalese. Attorney Renuart says she has seen shysters get their victims to sign incredibly complicated legal documents that resulted in their property being transferred to entities such as trust. “These trust agreements, I can’t understand them—and I’m a lawyer.

And if a criminal can’t get the signature? Forgery goes a long way in real estate these days, experts say.

Don’ts and don’t’s

Don’t sign anything that has any blank spaces. Information could be added later that you didn’t agree to (Yes, it happens)

Never sign a contract under pressure. Always know exactly what you’re signing. Take your time to review the paperwork thoroughly ideally with a lawyer who only represents your interests.

Never make a verbal agreement. Get all promises in writing and get full copies.

Cast a jaundiced eye at deals that sound too good to be true. Lately, some scam artists promise they’ll wipe out or pay off your home’s debt for you (“so called “debt elimination”) Some flustered ;homeowners bite. Just remember the free lunch rule: There isn’t one.

A final thought: Remember, if you can’t fix ;your finances, selling your house )on the normal market, that is) may not be the end of the world. Sure, you’ll be a renter again. But given how much homes areound the country have appreciated in the last several years, chances are you’ve made some money, which you can use to get back on your feet.

Source of tips. National Consumer Law Center: U. S. Department of Justice ‘s U.S. Trustee Program, Attorney Rachel Dollar.

Lee Davis Running for Congress as Write-In

Lee Davis, Publisher of the Wrigley Bulletin & News has announced that she is running for Congress in the 37th Congressional Distict as a write-in candidate.
The district includes Carson, Compton, Signal Hill, Long Beach and parts of Gardena and Los Angeles.
Lee, a long time publisher and community activist, has covered innauguartions of Presidents since Jimmy Carter. She has also covered the funerals Jackie Kennedy, John Kennedy, Jr. and President Clinton's mother as well as Presidents Nixon and Reagan. Lee notes that the Kennedy and Clinton funerals were by invitation of the family while credentials to cover Presidential funerals come from the Pentagon.
She has covered all of the Democratic and Republican nominating conventions since 1980. As a result of this experience she has made numerous connections with people in both parties. She feels this background can help her serve the 37th District.
Her international experience includes teaching English in China and helping her sister build a school in Africa. She also taught math at University of Chicago. Her lifetime commitment to learning and education informs her understanding of the need for funding, administration and infrastructure to insure the education that our childen need to compete in the global economy. Lee says, "As an educator and a mother I know what the people of the district want for their children."
Lee also believes that, "We need to get out of Iraq, but that we need to pay for rebuilding the infrastructure that we destroyed. We need to show the world that we are better than Sadam Hussein."
At the top of Lee's concerns at the moment is the practices of the predatory lenders, which she has lobbied against since 2006. She notes that predatory lending has impacted the 37th District more than any other and that Rep. Laura Richardson has not voted to help stop predatory lending, although she has voted on bills that would help her out of her own problems. According to Lee, "This shows that Laura has her own interests at heart and not those of the District or the people in the District. She has proven to be a national embarrassment."

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