
akarunway
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Tent City, Arizona - should prison really be this tough?
akarunway replied to Newbie's topic in Speakers Corner
My beef. I think the majority of city and county jails hold mostly non violent DUI's, minor drug offenders, non child support payers, wife beaters etc. Need to change that program. It's all about money. Last I heard Orange Co. Fl., Disney World land, tourism was the #1 money maker followed by corrections at #2. This includes all the criminal justice system (ie: judges, lawyers, correctional officers, bondsmans, cops, etc. etc.). One beef I have. You lock a guy (or gal) up for non payment of child support, as an example, How the fuck does that help him pay that support. It's all about the money the state gets for each prisoner held on a daily basis. Around a hundred bucks a day I think. Big bucks. State prison? If you get that far and are guilty as charged you get what you deserve. NOW. It's the fucking rich that wanna get richer and fuck millions of trusting people outta their lives savings, ie: Ken Lay's and Co. and all them fuckwads and their cohorts (Bushes come to mind) get is that if they ever see the inside of Club Fed they will be playing golf and tennis and writing a book and getting fatter. They are the ones that need to be hung by the balls along w/ the murderers and rapists and child molesters (M.J or O.J) come to mind? If you have money you walk if you don't you're fucked. . And I've seen the criminal justice system in action from both ends of the spectrum and it ain't pretty. Rant over I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all. -
Roasting her on Comedy Central tonight. Should be a good laugh I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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LOL. My sis used to work at waffle house for yrs. She was selling and taking acid on the job and used to arrange the eggs and bacon into smiley faces for the customers. LOL. Ate many a free meal. It got a lot better when she started tending bars. LOL I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Damn. 1:50 to a dock on a 5 way, a 2:55 second freefall. Amazing I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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I'm gonna time their freefall this time I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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You're right Tom. I should have said UGLIER I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Control every aspect of our lives. Thank god I'll be dead and gone before it gets REALLY ugly++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Wireless World: Chips track license plates By Gene J. Koprowski Aug. 12, 2005 at 10:04AM A controversial plan to embed radio frequency identification chips in license plates in the United Kingdom also may be coming to the United States, experts told UPI's Wireless World. The so-called e-Plate, developed by the British firm Hills Numberplates, is a license plate that also transmits a vehicle's unique identification via encryption that can be read by a small detector, whose output can be used locally or communicated to a distant host. "RFID is all the rage these days," said Bradley Gross, chairman of Becker & Poliakoff, a law firm in Ft. Lauderdale, Fla., "but my fear is that this use of the technology is tracking at its worst." The reason for the concern in the legal and privacy-rights communities is that e-plates may expand the ability of police to track individuals by the movement of their vehicles. A single RFID reader can identify dozens of vehicles fitted with e-plates moving at any speed at a distance of about 100 yards. The e-plate looks just like a standard plate, but it contains an embedded chip that cannot be seen or removed. It is self-powered with a battery life of up to 10 years. "Police will be able to track your every move when you drive," said Liz McIntyre, an RFID expert and author of the forthcoming book, "Spychips: How Major Corporations and the Government Plan to Track Your Every Move With RFID" (Nelson Current, October 2005). "What if they put these readers at a mosque? They could tell who was inside at a worship service by which cars were in the parking lot." Indeed, the makers of the technology boast that the e-plates can furnish access control, automated tolling, asset tracking, traffic-flow monitoring and vehicle crime and "non-compliance." The chips can be outfitted with 128 bit encryption to prevent hacking. The problem is people other than the vehicle's owner quite often are at the wheel. "Will this, ultimately, stop terrorism?" Gross asked. "The occupants of cars change continuously. Terrorists can steal cars." Similar technology already has been used in the United States, experts said. "The technology side of this is readily available, as it is used in the high-frequency battery-powered transmitters in the toll road systems like Fastrak," said attorney Dave Abel, with the international law firm Squire, Sanders & Dempsey LLP, who was an engineer before coming to the bar. "To use the toll road, a user signs up -- providing name, address, billing info, et cetera, which is stored in a database. Each time they drive past the reader station they are billed or a credit is deducted from an account." Security access points could justify the expense, but placing them even at key intersections may not be very practical, according to lawyers at Pittiglio, Rabin, Todd & McGrath in Costa Mesa, Calif., a spokeswoman said. The cost of roadside readers is significant -- although the price per chip is estimated to be only 20 cents. Some experts said governments already are using the chips embedded in tollway access cards without heed to privacy rights. In Texas, for example, tollway authorities have been "making printouts of the records of every time you pass through a toll booth, what time you passed through," McIntyre said. "The government hasn't established a privacy policy for this, and people are not being informed that they are doing this. This is an instance of Big Brother on the highway." -- Gene Koprowski is a 2005 Lilly Endowment Award Winner for his columns for United Press International. He covers networking and telecommunications for UPI Science News. E-mail:sciencemail@upi.com I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Woman Accused Of Trying To Open Plane Door In Flight SEATTLE -- A Florida woman accused of trying to open a United Airlines jet exit door as the flight descended into Seattle was arrested when the plane landed safely, Port of Seattle police said. Flight 1195, en route from Denver, was reportedly at an altitude of about 4,000 feet Wednesday when the 52-year-old woman from Dania Beach, sitting at the rear of the Boeing 737, left her seat and tried to open an exit door. Dempsey, who is from Dania Beach, failed but "she did manage to turn the handle far enough that a warning light went on in the cockpit," Seattle-Tacoma International Airport spokesman Bob Parker told KING-TV. "Ultimately, at the urging of the flight attendant, she went and sat back down," he said. Those on board said no one tried to physically restrain the woman. Parker said those who saw her at the door made a "conscious choice" to stay securely belted in their seats just in case she did manage to open the door. The woman was arrested for investigation of malicious mischief when the plane landed at 1:30 p.m. Port police were investigating whether alcohol and prescription medication were involved. A United spokesman did not immediately return a call for comment. I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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The rules of war should be followed. That would be against the rules of war. We're better than that and must hold to our principals. Holy sites are off limits unless the enemy decides to use them for protection, fighting positions, of storage of munitions, etc.. ______________________________________________________________________________________________-----My old man was a fighter pilot in NAM. He used to tell me he bombed red cross buldings and churches all the time. What's new? I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Fuck them bitches. They need to be in the kitchen. Barefoot and pregnent . And Sucking my . Ah well rant over. Just kidding I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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chains and shackle would be the only attachment points for any play equipment, rope on ANYTHING will fray. ________________________________________________---That almost sounds, ah, well, nevermind I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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You can start here :http://www.bodyflight.com/blueprints.htm I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Another idea as well: Or you could attach an Eye bolt with the Eye coming out the bottom of the beam, then the rope would swing without hitting anything. ____________________________________________________Make sure that is a THRU eye bolt w/ washers top and bottom. Not a lag eye bolt I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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China's energy strategy continues to move along. The US wrecked all Chinese investments in Iraq and will back Taiwan if invaded. Have we created energy paranoia in the Chinese? ___________________________________________________Paranoia. How about this story?___________________________________________________Thursday Jul 14 2005 . All times are London time. ------------------------------------------ Top Chinese general warns US over attack By Alexandra Harney in Beijing and Demetri Sevastopulo and Edward Alden in Washington Published: July 14 2005 21:59 | Last updated: July 15 2005 00:03 China is prepared to use nuclear weapons against the US if it is attacked by Washington during a confrontation over Taiwan, a Chinese general said on Thursday. “If the Americans draw their missiles and position-guided ammunition on to the target zone on China's territory, I think we will have to respond with nuclear weapons,” said General Zhu Chenghu. Gen Zhu was speaking at a function for foreign journalists organised, in part, by the Chinese government. He added that China's definition of its territory included warships and aircraft. “If the Americans are determined to interfere [then] we will be determined to respond,” said Gen Zhu, who is also a professor at China's National Defence University. “We . . . will prepare ourselves for the destruction of all of the cities east of Xian. Of course the Americans will have to be prepared that hundreds . . . of cities will be destroyed by the Chinese.” Gen Zhu is a self-acknowledged “hawk” who has warned that China could strike the US with long-range missiles. But his threat to use nuclear weapons in a conflict over Taiwan is the most specific by a senior Chinese official in nearly a decade. However, some US-based China experts cautioned that Gen Zhu probably did not represent the mainstream People's Liberation Army view. “He is running way beyond his brief on what China might do in relation to the US if push comes to shove,” said one expert with knowledge of Gen Zhu. “Nobody who is cleared for information on Chinese war scenarios is going to talk like this,” he added. Gen Zhu's comments come as the Pentagon prepares to brief Congress next Monday on its annual report on the Chinese military, which is expected to take a harder line than previous years. They are also likely to fuel the mounting anti-China sentiment on Capitol Hill. In recent months, a string of US officials, including Donald Rumsfeld, defence secretary, have raised concerns about China's military rise. The Pentagon on Thursday declined to comment on “hypothetical scenarios”. Rick Fisher, a former senior US congressional official and an authority on the Chinese military, said the specific nature of the threat “is a new addition to China's public discourse”. China's official doctrine has called for no first use of nuclear weapons since its first atomic test in 1964. But Gen Zhu is not the first Chinese official to refer to the possibility of using such weapons first in a conflict over Taiwan. Chas Freeman, a former US assistant secretary of defence, said in 1996 that a PLA official had told him China could respond in kind to a nuclear strike by the US in the event of a conflict with Taiwan. The official is believed to have been Xiong Guangkai, now the PLA's deputy chief of general staff. Gen Zhu said his views did not represent official Chinese policy and he did not anticipate war with the US. Additional reporting by Richard McGregor in Beijing I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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-------------------------------------------------------------------------------- In Reply To -------------------------------------------------------------------------------- Sticky questions. -------------------------------------------------------------------------------- I wish you had chosen a different adjective. ____________LMAO. Thanks. I needed that I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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again. i will buy you a first class ticket anywhere in the world AND give you $10,000 cash. the caveat is you can never return. i will accompany you to washington d.c. where i will watch you sign your citizenship away. this will give you what you want. a freebie----$10,000 bucks. you will also be rid of evil, capitalist pigs like me and free to pursue your utopian society where creativity, motivation and self-reliance are discouraged and frowned upon. again. i will buy you a first class ticket anywhere in the world AND give you $10,000 cash. the caveat is you can never return. i will accompany you to washington d.c. where i will watch you sign your citizenship away. this will give you what you want. a freebie----$10,000 bucks. you will also be rid of evil, capitalist pigs like me and free to pursue your utopian society where creativity, motivation and self-reliance are discouraged and frowned upon. i will be the first to break this to you....you aren't going to find a better deal than this. free maket economies work and if you can't handle that then maybe you should take me up on the offer. remember though, when you cross the border that's it. i'm sure i will have a lot of people on this forum standing right there with me waving goodbye with a big smile. maybe we could get you an ever bigger money pot and start a going away fund for you.======================================I'll take that deal if you're offering. As long as you add the following: Pay my (illegal) IRS debt that this fucking country says I owe them. Ain't that bad. Tired of supporting the the fucking world and I personally don't wanna take over the world. PM me. I'll even fly myself to Washington I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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And when I checked out your web site, what do I find, but this comment on a photo, from a guy logged on as "Horndog": looks like the 14 yr old i masterbate over in my area..great orgasms.. ohhhhhhhhh. That's a really classy place you're so fond of.________________________________________________I never read any of that shit. I just look at the pretty pictures I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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USA mortgage bankers recruiting illegals WTF?
akarunway replied to akarunway's topic in Speakers Corner
Because the IRS isn't the INS. Not all arms of the government work together or even have an obligation to do so. _____________________________________________________Hence 9/11 I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all. -
I guess Bush and the moral majority are going to TRY to start ammending and enforcing an old law under the guise of stopping > child porn( hang them bastards by the balls) on the net. US CODE COLLECTION TITLE 18 > PART I > CHAPTER 110 > § 2257 Prev | Next § 2257. Record keeping requirements Release date: 2004-08-06 (a) Whoever produces any book, magazine, periodical, film, videotape, or other matter which— (1) contains one or more visual depictions made after November 1, 1990 of actual sexually explicit conduct; and (2) is produced in whole or in part with materials which have been mailed or shipped in interstate or foreign commerce, or is shipped or transported or is intended for shipment or transportation in interstate or foreign commerce; shall create and maintain individually identifiable records pertaining to every performer portrayed in such a visual depiction. (b) Any person to whom subsection (a) applies shall, with respect to every performer portrayed in a visual depiction of actual sexually explicit conduct— (1) ascertain, by examination of an identification document containing such information, the performer’s name and date of birth, and require the performer to provide such other indicia of his or her identity as may be prescribed by regulations; (2) ascertain any name, other than the performer’s present and correct name, ever used by the performer including maiden name, alias, nickname, stage, or professional name; and (3) record in the records required by subsection (a) the information required by paragraphs (1) and (2) of this subsection and such other identifying information as may be prescribed by regulation. (c) Any person to whom subsection (a) applies shall maintain the records required by this section at his business premises, or at such other place as the Attorney General may by regulation prescribe and shall make such records available to the Attorney General for inspection at all reasonable times. (d) (1) No information or evidence obtained from records required to be created or maintained by this section shall, except as provided in this section, directly or indirectly, be used as evidence against any person with respect to any violation of law. (2) Paragraph (1) of this subsection shall not preclude the use of such information or evidence in a prosecution or other action for a violation of this section or for a violation of any applicable provision of law with respect to the furnishing of false information. (e) (1) Any person to whom subsection (a) applies shall cause to be affixed to every copy of any matter described in paragraph (1) of subsection (a) of this section, in such manner and in such form as the Attorney General shall by regulations prescribe, a statement describing where the records required by this section with respect to all performers depicted in that copy of the matter may be located. (2) If the person to whom subsection (a) of this section applies is an organization the statement required by this subsection shall include the name, title, and business address of the individual employed by such organization responsible for maintaining the records required by this section. (f) It shall be unlawful— (1) for any person to whom subsection (a) applies to fail to create or maintain the records as required by subsections (a) and (c) or by any regulation promulgated under this section; (2) for any person to whom subsection (a) applies knowingly to make any false entry in or knowingly to fail to make an appropriate entry in, any record required by subsection (b) of this section or any regulation promulgated under this section; (3) for any person to whom subsection (a) applies knowingly to fail to comply with the provisions of subsection (e) or any regulation promulgated pursuant to that subsection; and (4) for any person knowingly to sell or otherwise transfer, or offer for sale or transfer, any book, magazine, periodical, film, video, or other matter, produce in whole or in part with materials which have been mailed or shipped in interstate or foreign commerce or which is intended for shipment in interstate or foreign commerce, which— (A) contains one or more visual depictions made after the effective date of this subsection of actual sexually explicit conduct; and (B) is produced in whole or in part with materials which have been mailed or shipped in interstate or foreign commerce, or is shipped or transported or is intended for shipment or transportation in interstate or foreign commerce; which does not have affixed thereto, in a manner prescribed as set forth in subsection (e)(1), a statement describing where the records required by this section may be located, but such person shall have no duty to determine the accuracy of the contents of the statement or the records required to be kept. (g) The Attorney General shall issue appropriate regulations to carry out this section. (h) As used in this section— (1) the term “actual sexually explicit conduct” means actual but not simulated conduct as defined in subparagraphs (A) through (D) of paragraph (2) of section 2256 of this title; (2) “identification document” has the meaning given that term in section 1028 (d) of this title; (3) the term “produces” means to produce, manufacture, or publish any book, magazine, periodical, film, video tape or other similar matter and includes the duplication, reproduction, or reissuing of any such matter, but does not include mere distribution or any other activity which does not involve hiring, contracting for managing, or otherwise arranging for the participation of the performers depicted; and (4) the term “performer” includes any person portrayed in a visual depiction engaging in, or assisting another person to engage in, actual sexually explicit conduct. (i) Whoever violates this section shall be imprisoned for not more than 2 years, and fined in accordance with the provisions of this title, or both. Whoever violates this section after having been convicted of a violation punishable under this section shall be imprisoned for any period of years not more than 5 years but not less than 2 years, and fined in accordance with the provisions of this title, or both. I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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USA mortgage bankers recruiting illegals WTF?
akarunway replied to akarunway's topic in Speakers Corner
Banks Open Doors to New Customers: Illegal Immigrants With Help From Government, Mortgage Lenders Tap Growing Hispanic Market By MIRIAM JORDAN, Staff Reporter, The Wall Street Journal MILWAUKEE -- Javier and Araceli Garcia, illegal immigrants from Mexico, never imagined that the U.S. government would help them realize their dream of owning a home. But last year, the couple secured a $54,600 mortgage to buy the gray, 1,158-square-foot bungalow that they had been renting for eight months. The Wisconsin housing authority financed the loan. The Internal Revenue Service gave them an identification number that enabled them to apply for it at local Mitchell Bank, which was happy to take their business. "We thought we would never buy a home, because of our [illegal] status," said Mrs. Garcia. Competition for new customers is driving banks to offer home loans and other financial services to illegal immigrants -- and they are getting help from government agencies, such as the Federal Deposit Insurance Corp. The FDIC encourages banks to lend and invest in underserved markets regardless of customers' immigration status. The official helping hand comes as other corners of the government take an increasingly hard line against undocumented immigrants. In May, Arizona legislators passed a bill to bar illegal immigrants from English classes, child care and other state-subsidized services; it was vetoed by the governor. In Kansas, opponents of a measure to offer in-state tuition to college-bound students who are illegal immigrants have taken legal action to prevent its implementation. Also in May, Congress approved a measure containing a provision that would make it impossible for illegal immigrants to acquire a driver's license. "There is a fundamental contradiction here," says James Smith, a senior economist at the Rand Corp., a Santa Monica, Calif., think tank. "We have one policy saying you can't be here illegally. In practice, another policy is saying that if you're here, we're going to cater to you." In Wisconsin, the state housing agency's decision to help banks lend to illegal immigrants has set off a fierce debate in the state Senate over whether these newcomers should benefit from programs designed for legal residents. The initiative has also spurred banks in other states to kick off similar programs. Like many parts of the U.S., this state of dairy farms and heavy industry has seen its Spanish-speaking community swell in recent years. Immigrants, mainly from Mexico, have journeyed here to fill jobs in construction, foundries and other low-skill industries. Latinos represent only 4% of Wisconsin's total population. But the population doubled between 1990 and 2000 to about 200,000, and continues to grow. The Hispanics are concentrated around Milwaukee and Madison, the state capital. In Milwaukee, Mitchell Bank has seen those changes up close. It was founded in 1907 by the Schneider family, who named the bank after the main street in the bustling area known as the South Side. For most of its history, the bank served Polish and German immigrants. As European families moved to the suburbs, Mitchell Bank opened new branches there. But bank loyalty didn't transfer to young customers, who preferred big banks with ATMs on every corner. In the 1990s, Mitchell Bank's old turf on the South Side began to see an influx of Latino immigrants. Taco shops and clothing stores playing piped Mexican folk music proliferated. James Maloney, the chairman of Mitchell Bank, saw the newcomers as a solution to the bank's declining fortunes. Its assets had dropped to $60 million in 1999 from $95 million in the early 1990s. One afternoon in 1999, he walked into the bank and saw no one in the expansive hotel-like lobby but the staff. Outside, the street was filled with Latinos. "If all these people were working here and living here, I knew we had to change what we do," said Mr. Maloney, a labor attorney who took over the bank after his father-in-law died in 1991. Mr. Maloney promoted Frank Villa, a teller and the sole Hispanic employee, to customer-service representative. He re-hired a Latina former staffer and recruited many others. The new employees translated the bank's brochures and deposit slips into Spanish, and hung banners in Spanish outside to lure passersby. Inside the bank, a painting of Mexico's patron saint, Our Lady of Guadelupe, was prominently displayed. Mr. Maloney invited Latino community leaders and clergy to a town-hall-style meeting at the bank. Out of one meeting came the idea of opening a branch in a local high school, to ease distrust of banking among immigrants by introducing it to their children first. The bank also offered pamphlets on how to apply for a Wisconsin state ID and driver's license, and invited the Mexican consulate in Chicago to visit with a mobile unit that issues "matricula" cards, another form of identification, issued by the Mexican government and often accepted by banks. In early May, it sent out letters to 2,400 of its undocumented customers warning that Congress was on the verge of passing a federal law, dubbed "Real I.D.", that would make it more difficult for illegal immigrants to get drivers' licenses. Mr. Maloney decided in 2002 the bank should also start offering mortgages even to illegal immigrants, convinced that would revitalize the run-down area and generate new business. The move would be in line with a federal law, enforced by the FDIC, that requires banks to invest in the communities in which they gather deposits, according to the banker. Because most undocumented immigrants don't have a credit history, the bank decided to consider utility, rent and overseas-remittance receipts in assessing their creditworthiness. A letter from a pastor was also welcome. As demand for home loans gradually increased, a problem arose: Taking on the loans was creating more risk than a small bank could shoulder on its own. That's because unlike other mortgages, the loans were not sellable on the secondary market to Fannie Mae and Freddie Mac, which currently don't deal in loans for illegal immigrants as a matter of official policy. That means Mitchell Bank had to hold all the loans in its portfolio rather than spreading out the risk. The issue was resolved last year, after Mr. Maloney made a presentation to the Wisconsin Housing and Economic Development Authority. Its mission is to help low-income families buy homes by offering mortgages at preferential interest rates that are fixed for 30 years. The housing agency regards its home-ownership program as key to combating predatory lending, which has exploded in poor inner cities, and revitalizing downtown neighborhoods. The state agency decided to start a pilot program for undocumented immigrants. "We can stick our heads in the sand and pretend these people don't exist, or we can help them be in the U.S. with assets," says executive director Antonio Riley, the head of the Wisconsin housing authority. He has received applications from many banks interested in offering loans to undocumented immigrants. The housing authority finances the mortgages, which Mitchell Bank and other institutions sell to their customers. Thus, Mitchell Bank no longer retains the risk for the loans. To be considered for a loan, illegal immigrants must fulfill the same criteria as applicants who hold Social Security numbers -- proof of regular income and state residency. If they qualify, the undocumented borrowers get the same terms as other state residents. Like Mitchell Bank, the housing authority uses the IRS-issued tax-registration number, the Individual Taxpayer Identification Number, or ITIN, instead of a Social Security number, which illegal immigrants generally cannot obtain. The banks need such numbers because they have to report their income to the government. In 1997, the IRS started issuing ITINs to foreigners who aren't eligible for a Social Security number to encourage them to file an income-tax return, regardless of immigration status. As of December 2004, the IRS had issued eight million such numbers. An IRS spokesman declined to comment on the use of the ITIN by illegal immigrants applying for a mortgage. In prepared testimony to two congressional subcommittees last year, IRS Commissioner Mark Everson said "we are concerned that the ITIN has become an acceptable form of identification similar to the Social Security number." The Garcias arrived at Mitchell Bank last August without a credit history or a single credit card to their name. A few days later, Mr. Garcia brought his ITIN and proof that he had filed taxes every year since getting the tax ID. He also brought pay stubs to show he earns about $450 a week making concrete molding to secure caskets in the earth, a job he has held for four years. Mrs. Garcia, who says she carefully stores bills in a safe place, amassed the receipts for every utility and rent payment the couple had ever made. Mr. Villa, now a loan officer, read all the loan documents to the couple in Spanish. A home inspector visited the Garcia's house in September. The Garcias then obtained a $54,600 mortgage from Mitchell Bank. The Wisconsin housing authority financed it at a fixed rate of 5.3% over 30 years. The couple was required to make a modest down payment. On Oct. 19, two months after starting the application process, the couple closed on the house. All told, the couple now makes a monthly mortgage payment of $443 instead of $600 a month in rent on the same house. In four years, Mitchell Bank has issued about 100 similar home loans, mainly to illegal immigrants, and says it has never experienced a default; it has recorded two late payments. The average household income of borrowers is $30,000 annually, for mortgages ranging from $30,000 to $100,000. Thanks to its outreach to Latino immigrants, including many illegal ones, Mitchell Bank is recording 4.5 times more transactions and at least that much more traffic at its three branches than a few years ago. It is looking for a site to open a new branch in nearby Waukesha, which has a fast-growing Hispanic population. "Our portfolio is evidence that the undocumented are model customers," says Jeff Bowman, president of Mitchell Bank. More banks are following in Mitchell's path, helped by the FDIC, which has reached out to banks in the Midwest to encourage them to lend to immigrants, regardless of their legal status in this country. Some of the banks have become aggressive players in the undocumented market. The initiative, based in Chicago, is partly an outgrowth of FDIC efforts to contain predatory lending, whose main victims are blacks and Latino immigrants. Without access to traditional banking, undocumented immigrants are especially easy prey for unscrupulous lenders who charge exorbitant interest and closing fees for mortgages. "Our job is to encourage banks to lend and invest in underserved markets," says Michael Frias, an FDIC official in Chicago. "We don't make distinctions of immigration status." Dozens of small banks in such states like Ohio, Illinois, Iowa and Texas have recently started offering undocumented immigrants the opportunity to apply for home loans with an ITIN. Big banks, like Wells Fargo & Co. and Bank of America Corp., say they plan to launch their own programs within months. Don Cohen, a vice president at North Shore Bank in Milwaukee, which offers ITIN mortgages, says he has fielded inquiries from banks in Alabama, Minnesota, Mississippi, South Carolina and Washington, among others interested in serving undocumented immigrants. For its part, the Wisconsin housing authority is stepping up efforts to promote its program to help immigrants get mortgages. Since last April, it has disbursed 112 ITIN-mortgage loans valued at about $12.2 million in total. The housing authority has been flooded with inquiries from housing agencies and lending institutions in other states. The Illinois Housing Development Authority, for one, is expected to unveil its ITIN mortgage program this summer. But a year since its introduction, the agency's pioneering initiative is also drawing fire. Mark Belling, an outspoken conservative radio talk-show host, has lambasted the mortgage program on the air. "We should not be encouraging illegal immigration by offering home loans and the American dream to people who didn't enter the country legally," says state Rep. Steve Kestell, a Republican. "I am concerned that we are sending the message that we as a state welcome illegal immigration." Republican state Sen. Glenn Grothman, who says the state agency shouldn't be in the business of rewarding lawbreakers, has introduced a bill to quash the program. Mr. Grothman first heard about the ITIN mortgage on Mr. Belling's radio show. In an interview, Mr. Grothman said it's untenable that the "government sets up a program specifically designed to benefit people who have chosen to ignore...immigration laws." The bill is now before a state Senate committee. To become law, it will have to pass both houses of the legislature, which are controlled by Republicans, and get Democratic Gov. Jim Doyle's signature. Meanwhile, the Garcias used their ITIN to get a second, home-improvement loan for $13,700 with Mitchell Bank. The house already has a new cream-colored front door, newly built carport and renovated basement. Their summer plans include putting new siding on the house and laying grass in the backyard. I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all. -
THIS GOVERNMENT IS GETTING OUT OF CONTROL From one of my fav porn sites today: 18 USC 2257 Due to new government regulations RateMyCamelToe.com will be unable to display nude cameltoes for the time being. These new regulations will have a wide spread effect on the adult industry and the Internet. We hope that we will be able to display them again in the near future. Please stay tuned for further changes. Enjoy the clothed toes. You can read more about about these new regulations here: http://news.yahoo.com/news?tmpl=story&u=/po/20050622/co_po/newpolicythreatensadultwebcontent I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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"ignorance of the law""Never worked for me" but Im just a pissant. BUT, I have a vote I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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Not really an issue. The amount of uranium/uranium decay products present in a typical U-235 bomb is nothing compared to what a coal fired power plant puts out in a year. _____________________________________________That's why we are going to mostly dual cycle natural gas fired powerhouses Bill and we have a bunch of new nuke powerhouses on the horizon too. Coal and oil suck. But the powers that be are making the big bucks off that shit. And they're gonna make it in the NG too. Solar, hydrogen and nuke is the only way to go as far as I'm concerned. They'll always need a lowly pipefitter like me either way I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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"Really nice basic science and pretty cool photos for the 4th of July." ______________________________________________________Me, myself, and I were kinda pondering if this was a test for hitting the BIG one and wondering if make a mini nuke was used. Just the conspiracy theorist in me. I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.
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http://www.nasa.gov/mission_pages/deepimpact/main/index.html Now this I don't mind spending my tax $ on. Congrads to all involved I hold it true, whate'er befall; I feel it, when I sorrow most; 'Tis better to have loved and lost Than never to have loved at all.