Mortgage Crisis Documentary – The New Food Safety Bill and the Power of Targeted Fear

The new law Food Safety and the power of fear targeted
Article by Marc Adler

The Senate? s bi-partisan approval of the redesign of food safety system by granting the FDA authority to enforce stricter regulations, increased inspections and recall powers is great news and a testament to the power the fear persuasion targeted. Many people don? T fully appreciate how the corruption, evil and dangerous regulated industry is now, so I recommend watching the documentary Food Inc. and reading Michael Pollan, but it seems that the outbreak of salmonella More recent eventually pushed America to embrace stronger enforcement laws food companies.

Pollan teamed with fellow food safety advocate Eric Schlosser to compose a New York Times Op-Ed on Monday in support of the legislation. Most intriguing among the many compelling statistics they cite? Because nearly 5,000 Americans die each year from contaminated food to the idea that the allocation 0,000,000 a year to improve the FDA? S powers, such as legislation, it should be, it’s a pittance compared to 2 billion spent annually to treat diseases related to diet? is it? 80 percent of Americans support the strengthening of the FDA? authority to regulate food.?

This is very unusual in today? S hostile, anti-government climate, and it is also surprising when you consider that for years it occurred? Tens of millions of food-contamination of diseases? annually, according to the Times. But the outbreak of the latest salmonella spread by hens in manure infested plants and poisoning thousands, attracted national attention and dramatically transformed public opinion.

In many ways, this paradigm is the development of financial reform. In April only half of the population favored stronger regulation of banks, according to a Gallup poll, even though Wall Street has almost destroyed the financial system in 2008 and has always produced devastating boom-bust cycles led to a mass of bank runs each decade since Ronald Reagan unleashed the full force of the open market by brushing aside the Glass-Steagall Act. Contrived or not, the SEC? S charges against Goldman Sachs in the summer moved public opinion supporting the reform, as a Gallup poll in September showed that 61% approve of the law.

These two developments suggest that, as usual, fear is the greatest motivator for action. But not only the fear in all its forms. It must be targeted. It? One thing to say it? The food industry? kills thousands and millions poisons, but in a much more effective to rally the public by exposing the filthy abounding in a particular factory responsible for a devastating outbreak of Salmonella. Similarly, with Wall Street, Americans have struggled to decide they hate most? Financial firms or the government for failing to prevent the subprime crisis and then bail out the banks. The trial of Goldman Sachs, however, allowed the public to focus on a single screen of embezzlement tax inexcusable, and hostility extended to close a global condemnation of the financial sector, thus smoothing the path of financial reform.

This also explains why the anthem inadvertently helped Obama to adopt the new laws by jacking health premiums in California shortly before Congress voted. And it also states why the 9 / 11 and Bush has pushed the public to continue a program of fight against terrorism even stronger if we had been attacked by Al Qaeda many times before, both on American soil and U.S. embassies abroad.

One wonders, however, why the BP oil spill has not caused a surge overwhelming for a coherent plan to go beyond fossil fuels and switch to clean energy.

For sources and more articles visit my blog:

http://scholarlywritingreviewed.com/

Documentary

mortgage crisis

Michigan Radio produced this Given our documentary project mortgage crisis. More information on our project website: Visit of Michigan Radio facingthemortgagecrisis.org online michiganradio.org
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Tags: Bill, crisis, Documentary, Fear, Food, mortgage, Power, Safety, Targeted

Mortgage Crisis Documentary – The New Food Safety Bill and the Power of Targeted Fear

The New Food Safety Bill and the Power of Targeted Fear

Article by Marc Adler

The Senate’s bi-partisan approval of overhauling the food safety system by granting the F.D.A. authority to implement stronger regulation, increased inspections and recall powers is great news and a testament to the persuasive powers of targeted fear. Many people don’t fully appreciate how corrupt, poorly regulated and dangerous the industry currently is, which is why I recommend watching the documentary called Food Inc and reading Michael Pollan, but it appears that the most recent salmonella outbreak has finally pushed America to embrace stronger law enforcement over food companies.

Pollan teamed up with fellow food safety advocate Eric Schlosser to compose a New York Times Op-Ed on Monday in support of the legislation. Most intriguing among the many persuasive statistics they cite—from the fact that roughly 5,000 Americans die every year because of contaminated food to the notion that allocating 0 million annually for enhancing the F.D.A.’s powers, as the legislation would require, is a pittance compared to the 2 billion spent each year on treating food related illness— is that “80 percent of Americans support strengthening the F.D.A.’s authority to regulate food.”

This is highly unusual in today’s hostile, anti-government climate, and it is also surprising when one considers that for years there have occurred “tens of millions of food-contamination illnesses” annually, according to The Times. But the most recent salmonella outbreak, spread by chickens raised in manure-infested factories and poisoning thousands, has garnered national attention and dramatically transformed public opinion.

In ways, this paradigm resembles the development of financial reform. In April only half the population favored stronger regulation of banks, according to a Gallup poll, even though Wall Street nearly destroyed the financial system in 2008 and has consistently manufactured devastating boom-bust cycles leading to mass bank runs every decade since Ronald Reagan unleashed the full force of the free market by brushing aside the Glass-Steagall Act. Contrived or not, the S.E.C.’s lawsuit against Goldman Sachs during the summer shifted public opinion towards supporting reform, as a September Gallup poll shows that 61% approve the legislation.

Both developments suggest that, as usual, fear is the greatest motivator for action. But not just fear in any form. It must be targeted. It’s one thing to say that “the food industry” kills thousands and poisons millions, but a far more effective way to rally the public is by exposing the disgusting filth that abounds in a particular factory responsible for a devastating salmonella outbreak. Similarly, with Wall Street, Americans have had trouble deciding whom they hate more—the financial firms, or the government for failing to prevent the sub-prime mortgage crisis and then bailing out the banks. The Goldman Sachs lawsuit, however, enabled the public to focus on an isolated display of inexcusable fiscal malfeasance, and the narrow hostility expanded into an overall condemnation of the financial sector, thus smoothing the path for financial reform.

This also helps explain why Anthem inadvertently helped Obama pass the new health care laws by jacking up premiums in California shortly before Congress voted. And it further clarifies why 9/11 pushed Bush and the public to pursue a strong counterterrorism agenda even though we had been attacked by Al Qaeda numerous times before, both on American soil and at U.S. embassies abroad.

One wonders, however, why the BP oil spill has not spurred an overwhelming push for a coherent plan to transcend fossil fuels and turn to clean energy.

For sources and more articles check out my blog:

http://scholarlywritingreviewed.com/

Mortgage Crisis Documentary

Michigan Radio produced this documentary for our Facing the Mortgage Crisis project. More information at our project website: facingthemortgagecrisis.org Visit Michigan Radio online at michiganradio.org

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Wells Fargo Home Mortgage Bill Pay – Home Mortgage FAQ

Home Mortgage FAQ

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Wells Fargo Home Mortgage Bill Pay

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Mortgage Fraud Penalties – Mortgage Fraud Bill Signed, Sealed & Delivered

Mortgage Fraud Bill Signed, Sealed & Delivered

Two bills designed to address some of the problems resulting from the economic crisis have been signed by President Obama. The first deals with mortgage fraud and the other with helping families who are involved in a foreclosure situation save their homes.

Look out rip-off artists, enforcers of the new mortgage fraud bill means serious business. Almost half a billion federal dollars has been authorized to spend on targeting charges of mortgage fraud. Agencies the likes of the Secret Service, U.S. Postal Service and HUD are all getting additional funding to increase their security measures.

The Fraud Enforcement and Recovery Act now sanctions the government to go after companies or individuals currently out of reach. Currently, an incidence of mortgage fraud can result in investigation, prosecution, civil penalties and prison time at a federal level, opposed to the prior gentler state penalties previously enforced. This new Act applies to all types of mortgage fraud, no matter how minor the offence.

In the past, these schemes defrauded home owners, realtors, lenders and builders out of billions of dollars each year. The FBI intends to send a message that mortgage fraud will not be tolerated and it is expected that offenders will receive stiff penalties in order to set an example to others.

The second bill, simply entitled, “Helping Families Save Their Homes Act,” is intended to simplify the process for homeowners to receive foreclosure financing and modifications to existing loans. It also makes it easier for the lender to offer these types of options and hopefully prevent an impending foreclosure.

The new law also offers protection for renters who find themselves living in a home whose owners are facing foreclosure. Under the old rules, tenants would have to move immediately following foreclosure, now they have the option to continue renting for a term negotiated with the lender. This makes sense on so many levels. Now hundreds of families who otherwise would have found themselves on the street, still have homes. Lenders no longer have to deal with the problems associated with the upkeep of an empty home. Hopefully this will reduce occurrences of complete neighborhoods of foreclosed houses sitting vacant and facing ill repair and vandalism. In many cases, reliable tenants are happy to stay on and maintain the property.

The law provides additional homeless relief, makes better use of local organizations in this role, and allows them more latitude when allocating federal funds for assistance.

Part of the reason that mortgage fraud became so widespread was attributed to the lack of a single watchdog affiliation to oversee the the sketchy subprime loan offerings, underwriting and lending schemes. Instead there were a number of small agencies, each only seeing part of the problem, but no single unit had the power to actually deal with the issue as a whole. Currently, the Obama administration has a plan in the works to establish a single federal agency designed to watch over everyone involved; from the small brokers to the major lenders.

Mortgage Fraud Penalties

FOR IMMEDIATE RELEASE: CONTACT: KB Forbes (202)320-1212 Thursday, February 28, 2008 kbforbes@hotmail.com AS HOME FORECLOSURES SKYROCKET, MORTGAGE FRAUD HELP ARRIVES IN SOUTHERN CALIFORNIA EAST LOS ANGELES, CA—A leading consumer advocacy group announced free help to the thousands of homeowners in Southern California who have lost their homes, are in the process of losing their home, or believe they will lose their home in the near future due to mortgage fraud. The group is documenting cases of mortgage fraud for a report to be issued this summer in the nation’s capital and will have all cases reviewed by a legal aid team. “Shady realtors, greedy mortgage brokers, worthless appraisers, and careless escrow companies are to blame for some of the crisis many homeowners face today,” said KB Forbes, Executive Director of the Consejo de Latinos Unidos, a national not-for-profit organization and public charity which investigates and educates the public about consumer fraud and abuses. “We suspect that at least one in five homeowners in Southern California has been hoodwinked by one of the key players involved in the transaction. The mortgage and real estate industry cannot claim innocence.” Rueben Preciado, a homeowner from Moreno Valley, discovered that his supposed 30-year fixed loan was not fixed last September. “Our payment went much higher and we didn’t know why. Our loan, it turned out, was a three-year fixed and 27-year adjustable.” When he tried to refinance, he discovered …
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American Home Mortgage Buyout – How The Housing Rescue Bill Can Help You Save Your Home From Foreclosure

How The Housing Rescue Bill Can Help You Save Your Home From Foreclosure

Article by Amanda Hash

Sweeping economic reform by the United States government included the passage of HR 3221, which is part of the Housing and Economic Recovery Act of 2008. Signed into law by President George W. Bush, HR 3221 will provide needed relief for over 400,000 American families that are facing foreclosure of their home mortgages.

How The Housing Bill Can Help You

HR 3221 works to provide refinancing of your home mortgage at up to ninety percent of its current fair market value. The Department for Housing and Urban Development (HUD) administers the refinancing program under HR 3221. In order to qualify for assistance by way of refinancing your mortgage, you must meet the HUD guidelines as outlined by the government for this program.

Guidelines For Refinancing Under HR 3221

The first thing that the government wants to see is that you can truly afford the home that you are living in. Many borrowers are in their current situation due to the subprime lending industry and its willingness to loan money for home purchases to anyone that asked, which is now known as the subprime mortgage boom. You must show proof of available income, and that your anticipated mortgage payment will be no more than 29% of the combined income for your entire household. If your combined household income is ,000, then your mortgage payment can be no more than 50.

In addition, your lender must agree to absorb a loss when your mortgage is bought out. HR 3221 allows for mortgages to be bought from lenders by the Farmers Home Administration at 85% of their current fair market value, with closing costs not to exceed 90% of the fair market value, with both closing costs and mortgage bundled together.

Alternatives To HR 3221 Refinancing

Not all homeowners will qualify for home rescue under the HR 3221 refinancing structure. You may be among them if you cannot prove or verify that your combined household income is adequate enough to repay the FHA when they buy your mortgage at up to 90% of current fair market value, or if your lender will not agree to the buyout. If you are unable to take advantage of the HR 3221 refinancing program, you can always seek out your own form of mortgage refinancing.

There are many lenders who are still refinancing mortgages regardless of the market crisis. By refinancing your mortgage now, you can avoid foreclosure. The lender will write out a new loan, effectively buying your mortgage and allowing you to obtain different terms that are easier to manage with your current income. Many times, the refinanced mortgage will be written for a longer period of time, up to thirty years.

You can also find lenders who are willing to help you save your home on the Internet. Online lenders have more capital to invest than your local bank and therefore are more willing to take the risks associated with home mortgages in the current housing market.

American Home Mortgage Buyout

About North American Companies. North American Companies is one of the most successful Private Equity, Buyout and Venture Capital Companies in the United States of America, with over 5 Billion Dollars in aggregate developing assets. Each of the entities that make up North American’s structure has a clearly defined purpose as it relates to individual markets, consumers and our partner needs. By utilizing the different facets of North American, the companies are able to provide unparalleled service that few are able to realize or compete with. It is because of this structuring and experience that North American has been able to not only succeed in a growing economy, but even thrive when the economy as it relates to the real estate industry has been devastated and the capital markets crippled. In the past year, North American subsidiaries have consummated more transactions than they had in the previous five years combined.

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