Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

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Thursday, May 20, 2010

Five paintings, in total valued at almost €100 million. were stolen from the Musée d’Art Moderne de la Ville de Paris overnight on Wednesday. The works were Le pigeon aux petits pois by Pablo Picasso, La Pastorale by Henri Matisse, L’Olivier Près de l’Estaque by Georges Braque, La Femme a l’Eventail by Amedeo Modigliani and Nature Morte aux Chandeliers by Fernand Léger.

The museum itself has been closed and cordoned off by police investigating the theft. The thief is believed to have entered the museum by climbing through a window and the museum is investigating how the theft took place despite the presence of guards and a complex security system.

Christophe Girard, deputy mayor of Paris with responsibility for culture, told a press conference: “This is a serious crime to the heritage of humanity”, adding that the perpetrator or perpetrators were “obviously organised”. It is thought that the paintings are too well known to be easily sold and there has been speculation that they will be used as “currency” by criminal gangs, as opposed to having been “stolen for hire” on behalf of a collector.

An unnamed source told The Daily Telegraph: “It’s an enormous crime, one of the biggest in art history” while the mayor of Paris, Bertrand Delanoe, called the theft “an intolerable attack on Paris’s universal cultural heritage” and art historian Tim Marlow commented that the thief obviously “knew what he was taking”.

The theft was discovered at approximately 7a.m. local time (5a.m. UTC) by museum staff. The Paris prosecutor’s office said that a single masked man was captured on CCTV walking away with the works, which had been removed from their frames with care rather than being sliced out. The paintings belong to the museum’s permanent collection.

Investigators are questioning museum staff after speculation that the perpetrator may have had assistance from somebody on “the inside”. The investigation into the thefts is being led by the Brigade de Répression du Banditisme, an elite French police unit.

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First off, you need to know what kind of metal do scrap yards buy?

Scrap yards usually buy metals that are used in industries like automobiles, steel, and other mechanical works. It includes copper, aluminum, zinc, nickel, lead, iron, steel, stainless steel, and brass. Still, all junkyards won’t buy everything that comes in their way. They all have certain limitations and areas of business.

There are also scrap yards that buy almost every broken thing that is past its functional lifespan like home appliances, electronic equipment, old cars, trucks, motorbikes, boats & yachts, airplanes, etc. If something can be sold, they’ll be ready to buy it, at their own price.

If you are wondering what they would do with those ‘useless’ things, they tear apart larger appliances and sell useful parts to brokers. Scrap vehicles and their parts may be sold to brokers or to the mechanics in need of spare parts.

This industry is much bigger than what most people think it is. That’s the reason those who deal in it earn lucrative profits over selling broken and malfunctioning goods and articles.

Below are some practical tips that will enable you to get more money off your old car if you decide to sell it to your nearby junkyard for quick cash:

Know The Value Of Your “Old Car”

There is simply no way you can earn top dollar for your scrap car if you don’t have any idea what it’s worth. What seems to you a heap of old rusted metal can be a gold mine to others. So, it’s important to do a bit of study and research and arrive at an educated guess about how much money you can get from your old car. It’s perfectly fine not to know the exact amount. But if you reach the neighborhood of the actual value, you will have enough knowledge to haggle your way to the best deal. Now, the scrap yard dealers are no kids but knowledge will give your power, and knowing the real value of your stuff will prevent you from settling for less.

The best way to find the value of your old car is to browse through the internet and see what people are demanding and offering. For instance, you can search “old sedan car value” or “old car scrap value” and there will be several results for you to sample.

Make sure you go through at least ten search results so that you can end up with consistent information. It won’t take much time but you will be armed with a weapon that will come in handy at the negotiation table.

Check Local Prices

In an area where there are many dealers under a small radius, it’s best to make calls around to check metal prices before taking all the metal (in this case, your old car) to a junkyard. If you don’t know the exact location of a scrap yard, find them by searching online for “metal scrap yard near me” or doing other relevant queries.

Scrap dealers don’t spit out the exact quote for the merchandise but they surely will give you a minimal figure on how much they pay per pound for which kind of metal. When you make calls to several dealers, it will be enough for you to know which one offers the best money.

Here is a pro tip: the size of a scrap yard does not necessarily mean it will give the best value for your old car. Bigger yards are not supposed to be better all the time. You may find a small-time dealer to earn top dollar.

More Scrap Means More Negotiating Power

If it’s possible logistically, try to haul all your scrap to the scrap yard in one trip. Most places do not have any limit of intake per day or month. It means they can take as much as they like until the deal is sweet for them.

Hauling your old car to a junkyard will put you in an advantageous position where you can hustle and make the dealer give up to your demands. If you have some more back at home, let the dealer know. This little trick will get you even more money. Scrap dealers love large volumes because it reduces logistical costs and they could yield more metal in less time. The bottom line is, the more you bring in, the more power you will have to get the best value.

Split Your Metal

It’s best to split your metal according to their value and nature before hauling it all to the scrap yard. If you have metal with some type of casing on it, you should remove it before trying to sell it. It’s important on two fronts.

The first and foremost is that if the dealer had to separate the metals, he’d use this extra work as an excuse to pay you less for your scrap. It’s the general rule of thumb.

The second and more important thing is the variation in the value of different metals. In bulk, a slight difference can yield significant money. Split the metal and negotiate for the price of each kind. That’s the trick.

Get A Truck Or Rent One

Hauling a lot of metal is not an easy task. It surely does not go into little cardboard boxes. If you don’t have a truck to take your old car to a scrap dealer, here is what you can do without sweating much.

Number one is to check around your circle of friends and family and see if someone has a truck and he or she is willing to loan it to you for a day. In return, as a token of goodwill, you can offer to wash it or get the interior vacuumed on your way back to them.

If this does not work out for some reason, you can always look around and rent a truck. Many movers offer regular trucks for hauling goods and articles and the rentals run as low as 20 bucks a day for in-town use.

Beware Of Suspicious Moves

This scrap yard business is not like a modern enterprise procuring articles or raw material and demands a market-oriented price for their goods. There are not many odds to find an honest and trustworthy scrap yard dealer who would be upfront with you and offer you the real value for your old car. Maybe, you already know that. The world we live in, we need to constantly look out for our potential interests in order to materialize them.

No License

Laws and regulations to conduct business in the scrap industry vary from state to state. At the very least, they are obligated by law to secure a license before starting their shop. This is regular permission granted by competent authorities to all kinds of businesses which allows them to operate in an area after fulfilling certain criteria. Usually, there is a fee to be paid to acquire such a license and get registered with the state.

Depending on your state laws and locality, there is a chance that a special scrap metal license had to be issued in order to transact business legally.

To avoid any inconvenience, it’s best to contact your state and find out if any special permit is needed or you can ask the scrap yard dealers to show you all the legal paperwork.

Dealing with illegal business can land you in serious trouble. So, be sure before taking your old car to a scrap yard.

Misdirection

Dishonest and shady scrap dealers will do everything in their power to confuse you. The main motive behind this misdirection is to pay you as little as possible for your metal (or in this case, your old car). If you are having a hard time determining what’s best for you, a scrap dealer is not the right person to ask for guidance, because it will be the surest way to get ripped off.

Another trick that almost all scrap dealers have up their sleeves is to scam you of your precious metal by rushing through the deal. They will try to close the deal without answering any question you might have in your mind. They come off as “take it or leave it” guys and offer an upfront price without telling you why.

A fair dealer will ask you if you have any doubts or second thoughts about your scrap and give all the information you need. He won’t try to rush through the deal and show eagerness of ripping you off. He will offer you a price after discussing the properties of your scrap and explain why he is doing so.

Towing Cost & Quotes

When a scrap dealer provides you a quote for your old car you need to sell, make sure to ask whether the cost of towing is included in the quote or not. A standard practice in the market involves no hidden charges or fees, which means the scrap dealer needs to be upfront and covers the towing fee in the quote. In your own interest, be sure to ask specifically about the inclusion of the towing fee in the quote.

The best way to get a fair deal for your car from a scrap dealer is to call multiple shops and compare prices before hauling your car to a dealer. Honest dealers are mostly fair in their dealings and cover all the expenses in their quotes. You will find many scrap dealers in your area when you search online for “scrap yards near me”. Call a couple of dealers that are at the top of the search results to get the best price for your car.

Shady Tow Truck Drivers

Many big scrap dealers have their own fleet of trucks and other trailers for hassle-free transportation. It helps them in cutting logistical costs. But, not all own their own trucks, and some work in partnership with local independent truckers and pay them a fee for each vehicle they pick up.

A potential scam bell rings when a scrap dealer agrees to pay you a certain amount and you agree to progress the deal. When the tow truck operator shows up at your door, he’d say that your car is pure junk and does not yield what the scrap dealer is offering you. The tow truck dealer may have his eyes set on the difference if you succumb to his coercion.

The other potential way to scam you is when the scrap dealer agrees to get the towing costs from the deal but the tow truck operator asks you to pay him upfront. He might want to get a double-dip or he could be working with the scrap dealer to rip you off.

If you suspect any activity that does not correspond with what you have agreed to do with the scrap dealer, call him right away and clear things out before paying the tow truck operator or handing him your old car.

Title Transfer

Even when a vehicle cannot be driven, you need to transfer the title from your name to the scrap dealer. In addition to this, you need to contact immediately your local department of motor vehicles and cancel the registration. If you carry on with your idea of selling your old vehicle for cash, still, you will be liable for it.

Before the tow truck operator loads up your old car on the flatbed, make sure to remove all your personal effects. It includes registration and tags of your vehicle and other paperwork.

When a scrap dealer offers you that he’ll take care of all the paperwork, steer clear of such claims. Potentially, it could be a setup for a scam where they take your car and then charge for storing your vehicle on their lot. If you resist and try to fight your case, they will send your old car to a collections agency, which will hurt your credit score.

It’s not worth it to take unnecessary risks while selling scrap to a dealer. Before closing the deal, make sure you double-check all the points. To avoid surprises in the future, everything should be done 100% correctly.

Negotiate

Last but not least, don’t take a bow when you are negotiating to sell your old car (or scrap). This is the surest way to get the best price. Never accept what dealers offer you upfront, even if it exceeds your expectations. They are professional hustlers and do bidding for their own interest all day long. Ask for more whenever you think that you are underpaid. This is truer when you have a lot of metal to sell.

There is no guarantee if you will be offered a better price, but it does not cost much to ask for more.

While negotiating, dealers will set traps in your way. To get the best value for your old car, you need to best those traps and get to the top.

Following are certain ways a dealer lure you into accepting an inferior deal:

Read more aboutScrap Yards

Posted in Cash Management

Saturday, January 1, 2005

The future of the artsy Trio channel became increasingly grim Saturday as satellite TV giant DirecTV dropped the fledgling network from its national channel lineup.

When DirectTV programmers threw the off switch at 6 a.m. eastern standard time Jan. 1, Trio, an NBC Universal-owned cable television channel, lost two-thirds of its 20 million household subscribers. The channel’s remaining 8 million subscribers may not give it enough audience to ensure its survival, according to some experts.

The network received critical acclaim for a quirky lineup that includes the series, Brilliant But Cancelled, which took American broadcast networks, including parent NBC, to task for cancelling quality programs.

Trio originally got its start in the 1980s as a Canadian cable channel owned by the CBC. Its original slate was described as “a general entertainment channel that features the most successful contemporary dramas, documentaries and films from Canada, the UK and Australia. For the last six years, TRIO has been the largest exporter of Canadian TV programs to the US with over 3,000 hours of content,” according to CBC press releases.

The channel’s Canadian roots were cut in 2000 when media mogul Barry Diller snapped up Trio and sister channel News World International from the CBC and partner Power Corp. for $155 million in cash. Diller saw the channel as a cheap consolation prize after he was outbid by NBC for the Bravo cable network earlier that year. Within months, Diller rebranded Trio, dumped the Canadian dramas and geared it more toward edgier pop culture programming.

Over the next couple of years, Trio changed hands twice. First to Vivendi Universal, then to NBC in a package deal that landed the American TV network a movie studio and the USA and SCI FI cable networks. Trio was seen as more of an afterthought at the time.

In a hint of what may be the fate of the channel, NBC Universal moved most of Trio’s executive and programming staff over to Bravo, a now-sibling network, which is seen in 80 million U.S. homes. Some experts predict that Trio will eventually be folded with its more successful programming ported over to Bravo.

“Trio was a refreshing oasis on the dial, with a quirky pop-culture attitude that showed in its programming. Trio leaving is kind of like having a witty friend move out of town,” Gael Fashingbauer Cooper, MSNBC television critic said in her weekly column. “It’ll be missed.”

NBC Universal has not commented publicly on the long-term future or specific plans for Trio channel besides to say it was committed to programming the network for current subscribers as the conglomerate re-evaluates its digital cable strategy.

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Saturday, March 14, 2009

At the Saskatchewan Association of Rural Municipalities (SARM) conference, a resolution was passed that encourages the Government of Saskatchewan, Canada to place a moratorium on specialty livestock farms raising wild boar. All wild boars that have escaped to roam wild should be killed, according to the resolution.

Agriculture Minister Bob Bjornerud endorses a ban on wild boar farming. The wild boar population is expanding exponentially. There are over 2,000 feral Sus scrofa swine roaming the prairies. Two litters of approximately 12 piglets are sired by each wild boar sow every year. The Saskatchewan Wildlife Federation (SWF) likewise passed a similar resolution at their 79th annual convention to urge the Saskatchewan Government to declare the wild boar as a nuisance species which can be killed on sight.

3% of farmed “wild” boars escape. Cells of wild boars are ravenous creatures killing and eating everything in their path. Horses, cows, and other livestock run from wild boars, breaking through fences in the process.

Ostriches, emus, llamas, alpacas, reindeer, wild boar, and fallow deer were amongst the animals introduced to farms in Saskatchewan during the agricultural diversification program in the late 1970s. Production of wild boars was promoted throughout the 1980s.

According to the Saskatchewan Agriculture and Food 2001 statistics, there were 150 wild boar producers raising approximately 15,000 and 20,000 head. Of these there were about 2,700 sows. On the 2006 Census of Agriculture, 401 farms reported 4,926 boars.

The boar’s red meat is an export commodity to Europe and Asia. The live breeding stock are also sold to trophy hunt ranches. Full blooded wild boar and hybrid crosses are raised.

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Wednesday, April 25, 2007

The Iranian police forces have faced criticism from Ayatollah Hashemi Shahrudi, the head of the judiciary who was appointed by Grand Ayatollah Ali Khamenei, for their re-invigorated campaign to do away with un-Islamic dress.

Ayatollah Shahroudi proclaimed, “Tough measures on social problems will backfire and have counter-productive effects.” Others have, of course, made it clear that un-Islamic dress can lead to moral corruption, engender innumerable vices, and hurt the Islamic character of the nation.

Some believe that no one had any issue with the creation of an Islamic atmosphere. The core of the matter revolves around the implementation of the Islamic dress code; additionally, heavy-handed measures should be shunned. For instance, Mehdi Ahmadi, information head of Tehran’s police, told Al Jazeera: “Some citizens may complain about the way the law is being enforced but they all agree with the plan itself.”

According to one student, “You simply can’t tell people what to wear. They don’t understand that use of force only brings hatred towards them, not love.” Nevertheless, Hojatoll-Islam Mostafa Pour-Mohammadi, Iran’s interior minister who is in charge of policing, prognosticated positive feedback from the populace when he said, “People are unhappy with the social and moral status of the society. They expect that the fight against social insecurity be properly implemented.” Thus, Hujjat al-Islam Pour-Mohammadi re-iterated the necessity of proper implementation and methodology towards the restoration of morality in the Islamic Republic. Islamic officials and religious people affirm that this is indispensable to promote righteousness, curb sin, and bring open sinners to justice.

Following the Islamic Revolution in 1979, hijab became mandatory in Iran for every woman including foreigners after over 98% of citizens voted for an Islamic government. Women may face caning up to 74 strokes for failing to observe hijab. In this recent crackdown, the authorities have arrested many citizens throughout the country. Not only have women been taken into custody for their hair being uncovered on their foreheads and tight clothes that show body shapes, For men they need to cover from knee to their waist as according to Sharia. Even a foreign journalist was detained because the photograph on her press card was indecent.

It has not been clear whence the directive for the re-newed clampdown emanated. Some have blamed Mahmoud Ahmadinejad while Gholam Hossein Elham, the government spokesman, stated to reporters, “The police work as agents of the judiciary to confront crimes. The government as an executive body does not interfere in the affairs of the judiciary.” The following pre-election speech seems to corroborate this latter statement:

In reality, is the problem of our people the shape of the hair of our children? Let our children arrange their hair any way they wish. It doesn’t concern me and you. Let you and me overhaul the basic problems of the nation. The government should fix the economy of the nation and improve its atmosphere…[It should] better psychological security and support the people. People have variegated tastes. As if now the arch obstacle of our nation is the arrangement of our kids’ hair and the government disallowing them <He chuckles>. Is this the government’s responsibility? Is this the people’s merit? In actuality, this is the denigration of our people. Why do you underestimate and belittle the people? It is the real issue of our nation that one of our daughters donned a certain dress? Is this the issue of our nation and the problem of our nation?
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By Ryan Pauline

When your own car is out of commision and you will have to drive another car temporarily, you would still want to be protected from unforseen circumstances resulting from your use of such vehicle albeit on a temporary basis. Luckily for you, there are car insurance companies that offer short term auto insurance coverages. A temporary car insurance coverage or a short term auto insurance coverage gives you the same kind of coverage that your own car insurance policy provides but only for a specific number of days for which you will be using another car. Such a short term insurance coverage also works well when a temporary driver will be operating your car for a few days. Instead of naming the temporary driver in your existing car insurance policy, you can take out a short term policy so that the temporary drivers specifics do not get into your car insurance policy permanently and do not affect your car insurance premium rating.

A short term car insurance policy could either be a comprehensive coverage or a third party liability coverage. These are the same kinds of coverage that you would most likely have on your existing auto insurance coverage. Comprehensive coverages, while they do not necessarily cover all contingencies, indemnify the insured for more coverage items than a third party liability coverage. It covers not only accidental injury and property damage to a third party but also those damages on yourself or a temporary driver who is named insured and on the insured vehicle. A comprehensive auto insurance coverage would cover other perils as collision, theft, vandalism, extreme weather, and fire among others. Even those expenses for own damages that are not caused by the insured temporary driver himself are covered under a comprehensive policy. Third party liability is only limited in coverage to include only those damages that are caused by the temporary driver to another person or property.

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You can get your short term auto insurance quotes from various insurance companies. There are websites that you can vistit to get more information about short term coverages. You can also check out comparative quote services offered by a number of websites in order to make car insurance shopping more convenient for most people. These comparative quotes will usually get to you through your email account. You will have the chance to properly evaluate these comparative quotes using your own parameters. As these comparative quotes are issued based on the specifications that you only enter in these comparative quote websites only once. The same specifics and information are used by the insurance companies offering short term car insurance coverages. This would make it easier for you to evaluate the quotes as you will be able to compare these quotes apples to apples.

Do not make the mistake of taking the lack of auto insurance policy for granted simply because your driving circumstances are only temporary. There is no guarantee that no accidents will happen during this temporary change in your driving arrangements. You would not want to be caught unprepared when something happens during this period. The amount of money you will spend for your short term car insurance coverage is well worth the peace of mind that comes with knowing that your are fully covered.

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Monday, March 20, 2006

Fears of contaminated bone and skin grafts are being felt by unsuspecting patients following the revelation that funeral homes may have been looting corpses.

Janet Evans of Marion Ohio was told by her surgeon, “The bone grafts you got might have been contaminated”. She reacted with shock, “I was flabbergasted because I didn’t even know what he was talking about. I didn’t know I got a bone graft until I got this call. I just thought they put in screws and rods.”

The body of Alistair Cooke, the former host of “Masterpiece Theatre,” was supposedly looted along with more than 1,000 others, according to two law enforcement officials close to the case. The tissue taken was typically skin, bone and tendon, which was then sold for use in procedures such as dental implants and hip replacements. According to authorities, millions of dollars were made by selling the body parts to companies for use in operations done at hospitals and clinics in the United States and Canada.

A New Jersey company, Biomedical Tissue Services, has reportedly been taking body parts from funeral homes across Brooklyn, New York. According to ABC News, they set up rooms like a “surgical suite.” After they took the bones, they replaced them with PVC pipe. This was purportedly done by stealth, without approval of the deceased person or the next of kin. 1,077 bodies were involved, say prosecuters.

Investagators say a former dentist, Michael Mastromarino, is behind the operation. Biomedical was considered one of the “hottest procurement companies in the country,” raking in close to $5 million. Eventually, people became worried: “Can the donors be trusted?” A tissue processing company called LifeCell answered no, and issued a recall on all their tissue.

Cooke’s daughter, Susan Cooke Kittredge, said, “To know his bones were sold was one thing, but to see him standing truncated before me is another entirely.” Now thousands of people around the country are receiving letters warning that they should be tested for infectious diseases like HIV or hepatitis. On February 23, the Brooklyn District Attorney indicted Mastromarino and three others. They are charged with 122 felony counts, including forgery and bodysnatching.

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Wednesday, August 6, 2014

United States Army Major General Harold J. Greene was killed yesterday afternoon in an apparent insider or ‘green on blue’ attack at the Marshal Fahim National Defense University on the outskirts of Kabul, Afghanistan. His death marks the first death of a United States general since the September 11th attacks and the first on foreign soil since the Vietnam War. Along with the death of Major General Greene, fifteen others were wounded in the attack including a German brigadier general, eight US soldiers, a number of British soldiers, and three Afghan soldiers.

The attack started during a routine visit, when an individual, reportedly an Afghan National Army soldier, opened fire with a light assault rifle from inside a building, 100 yards (90 meters) away from where Greene and others were standing. Soldiers fired back and killed the attacker. The Pentagon Press Secretary, US Navy Rear Admiral John Kirby, said, “There are a number of casualties as a result of the shooting, perhaps up to 15, to include some Americans”. Kirby added, “Many were seriously wounded. Others received only minor injuries. The assailant was killed.”

An Afghan Defense Ministry spokesperson, General Mohammad Zahir Azimi, said the attacker was a “terrorist dressed in an Afghan army uniform.” The Taliban acknowledged the attack and praised it, but did not claim responsibility for it.

Greene was serving as deputy commanding general of the Combined Security Transition Command – Afghanistan at the time of his death. He was previously Deputy for Acquisition and Systems Management in the office of the United States Assistant Secretary of the Army for Acquisition, Logistics, and Technology. Greene joined the Army as an officer in 1980 after graduating from Rensselaer Polytechnic Institute.

In a statement Army Chief of Staff General Ray Odierno gave his condolences, saying, “Our thoughts and prayers are with Maj. Gen. Harold J. Greene’s family, and the families of our soldiers who were injured today in the tragic events that took place in Afghanistan. These soldiers were professionals, committed to the mission. It is their service and sacrifice that define us as an Army.”

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Saturday, April 29, 2006

The first “visual issue” of the Emir of al-Qaeda in Iraq, Abu Musab al-Zarqawi, was issued April 25, 2006, by the Mujahideen Shura Council. A thirty-four minute video containing an approximately twenty minute oration by Zarqawi, footage of him leading mujahideen in training on the battlefield and in a war room, and seated amongst local leaders of al-Anbar province. His speech touches upon a variety of topics, including the purportedly victorious and successful state of the mujahideen in Iraq, waging jihad in Iraq while steadying eyes on Jerusalem, and Usama bin Laden’s proposed truce with the West. In fact, the video proper opens with an excerpt of a speech by bin Laden urging Muslim youth to jihad. On the refusal of the proposal, he warns U.S. President George W. Bush, his allies of the “Crusaders, Shi’ites and the converters” that they will never enjoy life as long as blood courses through the veins of the mujahideen.

Zarqawi also speaks of the alleged lies of the administration and the true state of the American soldier in Iraq. He states: “Why don’t you tell about the reality of your soldiers and their failure to fight…why don’t you tell your people about the soldiers who commit suicide, why don’t you tell your people that your soldiers can not have any sleep without taking drugs which makes them like animals… and they are driven by your generals, who are like the Crusaders and evangelists, to the slaughterhouse.” He also condemns the Iraqi political process, and those who speak falsely of being one of the mujahideen, trying to convince Muslims that the government is an attempt to apply Shari’a law.

Concerning the Mujahideen Shura Council, which appeared on the Iraqi land following the seeming disappearance of Zarqawi, he admits to “being one of them” and continues to hold title as the Emir of al-Qaeda in Iraq, part of the umbrella for the mujahideen in that state. “They all stretch their hands and stand on the same line,” Zarqawi argues. Other portions of the video show Zarqawi inspecting local areas, using a rocket with a range of 50 kilometers, and a final image of him firing an automatic weapon, and stating: “American will go out of Iraq, humiliated, defeated.”


A Full transcript of the video has been provided below:

In the name of Allah the most Gracious the most Merciful

Mujahedeen Shura Council of Iraq

Then fight in Allah’s cause thou are held responsible only for thyself and rouse the believers. It may be that Allah will restrain the fury of the disbelievers; for Allah is the strongest in might and in punishment (Alnisa’a:84)

O’ Banner’s holders stand,Where are the lions of Anbar?Where are the lions of Salah Aldeen?Where are Baghdad’s men?Where are the knights of Ninawah and the champions of Dyalah?Where are the courageous of Kurdustan?Where are you the lions of Monotheism?

Be fully aware of the apostate media sources.

I swear by Allah, that they have nothing with us except the sharp swords, and between them and us will only be the frightened nights.

I swear by Allah that America will be defeated in Iraq.

(Field commander is talking):

As for the developing and manufacturing, the brothers, by the grace of Allah have developed and improved two missiles in Alanbar province in particular.

(When missile was fired):Against the make ready your strength to the utmost of your power, including steeds of war, to strike terror into (the hearts of) the enemies, of Allah and your enemies, and others besides, whom ye may not know, but whom Allah doth know. (Alanfal:60)

A message for Mankind

(Osama)I focus this call to the young men of Islam; gather together in fighting the crusades and the Jews, and remember Allah at all times repeatedly, by Allah, it’s either victory or martyrdom. No one will surpass his fate, and he who ever turns out to be a martyr, his sole will freely be flying around the paradise as it wishes, close to the throne of Allah; what a great difference between being near his family and/or near his lord.O’ young men of Islam every where, especially those near the battles, where the obligation is further; O’ young men in Aljazeera, Egypt, and Sham; O’ siblings of Salah Aldeen, O’ knights of Mohammad Alfateh, continue your support to your brothers in Iraq, whereby the gravest of the wars is continues, and its fire is on the rise, the crusades have invaded them, killed thousands of them, and abducted thousands, whishing to eliminate them. And they are instead, by the grace of Allah, fighting the crusades patiently, giving up all they’ve got for the sake of Allah and in order to defend themselves. May Allah be with them and those who support them.

(Abu Musaab)All praise be to Allah granting might to his religion with his victory, lowering the infidels with his supremacy. Sorting circumstances by his order; Plotting for the disbelievers with his arrangement; He who alternated the days with his divine justice.And peace be upon who Allah raised the minaret of Islam with his sword.

My treasured nation,I am conversing to you not with falsehoods, hoping to find with you open ears and prudent hearts, for the honest man does not deceive his family.

The crusade enemy, when invaded Iraq, meant to control this nation and reinforce the Zionist state, from the Nile to the Euphrates. However, Allah granted your sons the Mujahedeen by standing firm before the strongest crusaders attack to the Islamic land.They stood strong against this attack for over three years, disbursing their soles and their wealth. They stood against this massive military, media, and economical attack not for anything except to defend you, your religion, your sons, and your honor.Allah dispersed the enemies’ gathering and their defeat became clearer to who ever has eyesight and prudent heart.Here are your sons, by the grace of Allah, indulging into one battle after another, and attack after attack; they by the will of Allah hold the upper hand in the battle field now.

If it wasn’t for the continuous and ongoing media muting, you would’ve seen the astonishing. By Allah it’s the championships and the victories coming to us, and you my nation should thank Allah for this great bounty, that Allah prepared a group of your sons the Mujahedeen defending you and protecting your honor, otherwise the Sunnah in Iraq would’ve been in between a revulsion crusade and a betraying Shiite. And the women of the Sunnah would’ve been on the laps of the revulsion crusades and the betraying Shiites; Abu Ghraib and the interior ministry jails remain memorable.

My treasured nation,We are in Iraq a stone throw from the Masjed Alaqsa, we fight in Iraq and our eyes are on Alqsa which will never be freed except with a guiding Quraan and a prevailing sword; “but enough is thy Lord to guide and to help” (Alforqan:31)

The history and experience had showed that you have no one after Allah except your Mujahedeen sons; they are your protection, your strong shield, and your beating heart. They become happy to your happiness and sad to your sadness; they stay up all night for your protection and have jealousy for you. Their hearts burst in sorrow for your state, and their tongues never stop chanting: O’ Allah elevate the state of humiliation and defeat away from my nation, O’ Allah bring back victory to my nation.

As for the American administration, and to its chairman the cross banner’s holder Bush, we say to him and to whoever is swimming in his space from the Jews and the crusades and form the Shiites and others, we say that you will never be safe in the Islamic land, and by Allah you will never feel secured so long we still have a beating nerve and a moving eyelash.Previously, our leader Osama Bin Laden may Allah protect him, had offered you a long truce. It could’ve been better for you and those who are with you if you’d have accepted, but your arrogance pushed you to refuse. Here you are today, running from east to west trying to find solutions “will not stand except as stands one whom the evil one by his touch hath driven to madness” (Albaqarah:275). You turned to be a grave liar, betraying your own people that everything is under control, and then soon everyone finds out about your lies and so on. You became like the one who’s treating himself from alcohol by alcohol. You were never at any time truthful with yourself or your people, although it’s found some truth in your great grandparents you are fully detached from.Why don’t you show the truth about your soldiers and their inferior state of struggle?Why don’t you tell your people about the continuous suicides amongst your soldiers?Why don’t you tell your people that your soldiers can never go to sleep unless they take the hallucinating and drugging pills? So they become like cattle driven by your war generals, the Neozionists, to the killing fate.Why don’t you tell your people about the congregational escape and the defiance among your troops?

Listen you grave liar and insolent one; your dreams will never come true, our blood and bodies are between you and your imaginings. And what is coming your way is much greater than what passed by the will of Allah.

The game of rotten democracy that you brought to Iraq, after you gave hope to people about freedom, happiness, and the economical/personal security; all of these lies went with the winds and will never come back by the will of Allah.

There we see you today, trying with all what you got to bring together the clusters, the parties, the partners from your tails to bring about a handicapped government that it might pull you out from your crucial pitfall.

We believe that any government you place in Iraq, whether be it from the betrayal Shiites or Zionist Kurds, or your tails from the Sunnah; it will only be an apostate government that will aid the crusades, and it came only to be a poisoned dagger stabbed in the heart of the Islamic Nation.

America learned today that its planes, tanks, momentous troops, and its tails from the Shiites army will never be able to finalize the battle with Mujahedeen. Therefore, it’s trying to surround the Jehad by pushing its tails from those who are counted to Sunnah, those who accepted to play the role and be a rope that tightens around the Sunnah’s necks and pull the Americans from their defeat. They used those who use the Islamic slogans as a mask to spread their masters’ propaganda on the importance of organizing the military and the police, and confuse the Muslims with their mixed messages injecting poison in honey, forgetting intentionally or not that every occupier throughout history used a cover up face from the occupied to use them in order to establish a solid base and embezzle the wealth of the country and its people.Allah has said: “And he amongst you that turns to them (for friendship) is of them” (5:51)That is by constituting for this life and the hereafter.And Allah has said: “for Pharaoh and Haman and (all) their hosts were Men of sin” (28:8)

Therefore, we repeat our warning to whoever is trying to reorganize and spread the military and the police forces, which was established only to be a tool for the occupier in their bigger plan, and to implement laws other than the law of Allah.Be extremely aware, those who join these apostate forces have nothing with us except the sharp swords, and between them and us will be nothing except grave days and nights.Allah has said;” Those who believe fight in the cause of Allah, and those who reject faith fight in the cause of evil: so fight ye against the friends of Satan: feeble indeed is the cunning of Satan” (4:76)

Having said the previous, and having mentioned the defeat of the enemy and his paraphernalia. The enemy is trying today to seduce two kinds of people to the alleged parliamentary game to harvest the fruits of the Mujahedeen whom only trying to make the word of Allah prevails.The first kind of which is the one trying to attach oneself with the Mujahedeen, although they never lived the Mujahedeen life nor they ever supported them at the occupation time. The second of which is those who had at the beginning the honor of fighting the crusades, however what counts is the end; their efforts won’t be accepted by the law of Islam unless they strive with action to make the word of Allah prevails, using what Allah lawfully guided us with, the clean means, not by using evil parliaments striving to have the word of Allah mixed with other man made constitutions and laws. The aim does not justify the means here.Although these two kinds, and whoever follows their footsteps, allege that they are trying with these parliaments to implement the law of Allah. However, the actions and the historical experiences oppose their myth. Anyone that is following the political map in Iraq knows that the majority of the parliaments’ members are from the Shiites and the atheists of Kurds and Sunnah, not to mention those of the mixed motion believes. Therefore, the heavy side in the balance of the parliaments will always be in the hand of evil.Allah has said: “beware of them lest they beguile thee from any of that (teaching) which Allah hath sent down to thee” (5:49)

And Allah has said: “Fast thou not turned thy vision to those who declare that they believe in the revelations that have come to thee and to those before thee? their (real) wish is to resort together for judgment (in their disputes) to the evil one, though they were ordered to reject him but Satan’s wish is to lead them astray far away (from the right” (4:60)

As for you patient truthful Mujahedeen, may Allah accept from you and us the best of deeds, and may Allah bless your Jehad. You were able by the will of Allah and his support to stop this crusades’ attack and you’ve bounded him with injuries. Thus, continue your Jehad and operations, and elevate your hits, it’s only the sign of victory and it’s the last breath of the cross worshipers in the land of two rivers. The low fighting self-esteem of the crusades’ soldiers is an only obvious sign in Iraq. Therefore, renew your intentions, and correct yourselves, and carry on together against your enemy. Your enemy is uncovered, by the will of Allah, weakened, unprotected, and broken in pieces. Do not give him a chance to take its breath, continue your stabbings one after the other, O’ Banner’s holders stand,

Where’s are the lions of Anbar?Where are the lions of Salah Aldeen?Where are Baghdad’s men?Where are the knights of Ninawah and the champions of Dyalah?Where are the courageous of Kurdustan?Where are you the lions of Monotheism?O’ siblings of Khaled and Muthananh, Saad and Meqdad and Salah Aldeen.Where are the immigrants? Where are the supporters?Where are the people of Surat Altawbah and Alanfal?Where are the people of Alfath and Alqital?

O’ leaders of this nation; who is for the crying women, who is for the jailed dignified women, who is for the purified women in the jails of the Shiites.O’ Allah, there is no life except the life of the hereafter, O’ Allah grant victory to immigrants and their supporters.

Be very aware from the embezzlers, with their masters the crusades, trying to surround you. Be aware and extremely aware from putting down your weapons, and then you will harvest nothing but the defeat, beat and crush in this life and the hereafter.You were always supplicating to Allah day and night to ease the way for you to join the Jehad in Afghanistan and Chechnya or other places. After that, Allah chose you for the trade of Jehad at your own land, and opened for you the doors of paradise. Be extremely aware of closing these blessed doors, be aware “And be not like a woman who breaks into untwisted strands the yarn which she has spun, after it has become strong”(16:92)

Do not let the trade of Jehad depart your land; otherwise you will be disgraced and you’ll be only ruled by the scum; “they set you hard tasks and punishments, slaughtered your sons and let your women folk live” (2:49)

“If ye turn back (from the Path), He will substitute in your stead another people; then they would not be like you” (47:38)

Finally, I glad tied the nation by establishing the Mujahedeen Shura Council of Iraq, which will be by the grace and will of Allah as the kernel for the establishment of an Islamic State, in which, the word of Allah prevails. All praise be to Allah, the efforts are being joined, and the hands are being extended and shaken for the obedience of Allah and his messenger and the Jehad in the cause of Allah. And this Council will be, by the will of Allah, an umbrella for every truthful Mujahed. I am honored to be one member of this blessed Council under its blessed leadership. At the same time remaining the Ameer (leader) of the Alqaeda Organization in the land of two rivers (Iraq).

The servant of Jehad and Mujahedeen, glorifying Allah, your brother Abu Musaab Alzarqawi.Friday, 23 Rabii Awal 1427,April 21, 2006.

All praise be to Allah.

(One of the commanders in Anbar speaking)

In the name of Allah the most gracious the most merciful, and peace be upon our prophet Muhammad his family and companions.

I welcome our beloved sheikh in the land of Anbar, the land of Jehad. And we ask Allah to keep it a thorn in the eyes of the disbelievers.

I would like to inform about the great victory in the battles of Ramadi, killing many of the disbelievers and taking over the center and headquarter of the infidels.Taking over the city for several days, preventing the crusades from even coming near it.And this operation was a clear message against the visit by the infidels’ ambassadors ( Rice and Straw).In general, the self esteem of the Mujahedeen is high, in opposite to the infidels whom are always in continuous deterioration.

As for the developing and manufacturing, the brothers, by the grace of Allah have developed and improved two missiles in Alanbar province in particular, that will be used soon, one has the ability to travel 40km with a 50kg warhead, here’s a picture of it…

Then fight in Allah’s cause thou are held responsible only for thyself and rouse the believers. It may be that Allah will restrain the fury of the disbelievers; for Allah is the strongest in might and in punishment (Alnisa’a:84)

And the other is anti armored vehicles, is carried on the shoulder and has been internally modified to penetrate armored vehicles, and here’s a picture of it.

“It is part of the mercy of Allah that dost deal gently with them. Wert thou severe or harsh hearted, they would have broken away from about thee: so pass over (their faults), and ask for (Allah\’s) forgiveness them in affairs (of moment). Then when thou hast taken a decision, put thy trust in Allah. For Allah loves those who put their trust (in him” (3:159)

If Allah helps you, non can overcome you: if he forsakes you, who is there, after that, that can help you? in God, then, let believers put their trust (3:160)

Sheikh Ayman Alzahahre’s voice:O’ Islamic Nation, the turf of Iraq now is the most dangerous field of Jehad in this century. Therefore, the nation must support the courageous Mujahedeen that are fighting in the very forefront defending the honor of Islam and its dignity.

Sheikh Abu Musaab: by Allah, American will be defeated in Iraq, by the will of Allah, and it’ll leave Iraq humiliated, crushed, and defeated by the will of Allah.

  • BBC News. “al-Zarqawi on tape” — 
  • Mujahideen Shura Council. “Transcript” — Official Press-Release,
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