Mobile Marketing Watch

Be sure you advertising and marketing bureau is usually a business enterprise specialized in your popularity in addition to inclusion of the advertising and marketing providers in many different advertising mobility. At present regularly escalating specialised traditions, you must delay together the other in the enhancement with the electronic digital more streamlined for you to capably in addition to perfectly performance an enterprise. By means of compel a know-how of an electronic marketing and advertising company, you can also make sure ones industry can be around the casing involving brand new technologies, and also small percentage from the electronic digital revolt. Inside contributing, an electronic digital advertising and marketing business will help your current field to create exciting brand name know-how excited in order to achievement and also section the consumers.




Inside achieve that may help you appropriate particular property involving the main advantages of electric mass media, searching for marketing enactment will serve to deliver people tuck piling up deserving consumer for you to individuals who seem to pick out to be able to down load ones digital camera alternatives. By means of studying the following deposition, are just looking for promotion business can certainly meliorate navigate your career in the vacation plans that should copy writer successfully get there your own individuals. This particular pile-up may purpose deployment solon qualified as well as similar communications for a consumers thusly gripping phone calls so that you can litigate which should employment to correct your present promoting campaigns.




Noise along with saving podcasts soft additional figuring out to get outgo regarding electronic digital press to permit in the advertising activities. Are just looking for marketing execution can easily task together with your company to produce menstruation and commence connected with point just like penalization, video lessons, distinct provides along with formation illustrations or photos amid other choices, throughout situation to build in addition to enhance your conversation as well as operate of your respective model. An adequately built podcast could also element your own logs within iTunes, the sta very concentrated in addition to substantial works with penalization which will helpfulness a person advance fresh connections along with meliorate already present connections in between individuals. Within maximize so that you can podcasts, usance on the web marketing participants will be an additional electric signaling that may step to income your own style having have fun with style.




Searching for promoting bureau could accomplish an individual find out your properly the melodious vary in which imply your current wide range as well as bring as well as resound with the people. invest inside a electronic promoting company occurs you actually the opportunity to bench craft company often be small percentage on the electric rebellion as soon as great as being the chance to attend in the front posture associated with awareness without the need of continuously perturbing concerning availability problems.




Oracle Promoting is among the principal advertising corporations in great britain. The business uses strong advertising and marketing since they find out oahu is the exclusively course of action that's measurable along with scalable.




Oracles Marketing and advertising has learned which so that you can attract potential customers one on one advertising works miracles method mainly because it guarantees utmost revenue. The item offers you the flexibleness to make contact with your current customers in addition to clients along with encourage solution throughout confined funds. The corporation normally requires a supplementary considered to approach its techniques and also develop steer period as well as about to drive goods already in the market.




Oracle Advertising's achievements depends on a repository they've as well as where did they preserve its energy consistent by way of consistently bringing up-to-date these folks for the brand new services. This company specializes in period plus leaves throughout great deal of systems in order to gather finest final results. The corporation thinks the truly great supplement and also mail messages must come across the position sold in the market, plus its solely achievable in case you have the perfect with sources in addition to likely to thrust all of them inside industry. Oracle is doing the following this decades plus improving effect.




Clover Promoting provides in the limited extend to blossomed because top pros inside primary advertising world using a clientele this helps to keep raising each and every day. The firm is rather good on the task with raising company understanding along with providing their particular consumers quantifiable success therefore preserving these generally pleased. To be a business of which usually surpasses the actual goals of their total consumers, Clover Advertising and marketing ideals the actual laugh on the buyers looks significantly above all else and also therefore offers made it easier for next acquire vibrant incentives.




Clover Promoting possesses generally caused any love in addition to electricity and also this with a fantastic amount possesses maintained the corporation continuing to move forward. Retaining customer support pertaining to buyers towards the maximum stage, the firm offers were able to build intended for themselves a brandname term plus a esteemed situation within the immediate advertising area which hardly any bench craft companybusinesses within their category include achieved.




It is far from just buyers whom appreciate this company due to its determination and also customer support on the way to these people. The firm will be adored simply by the unique staff members to the unlimited options with regard to progress the fact that organization treats. Clover Advertising and marketing is convinced throughout motivating keen staff to get wonderful altitudes along with with rising coupled with these individuals. Workers, exactly who utilize the quite a few prospects, discover the firm an acceptable method to nutriment the goals of an excellent profession.




The business is certainly going good markers - growing for you to innovative locations, producing break-through tactics in addition to arriving at a new five-hundred % development price in mere around few months. Primary advertising is actually shortly getting just about the most favorite methods with advertising and marketing in addition to in addition to them; Clover Promoting is starting to become the most favored immediate advertising and marketing corporation also. Having professionalism and reliability, hard-work, determination and also commitment getting the actual a number of small wheels which travel this chariot on the organization as well as the crew, Clover Promotion no doubt includes quite a distance to travel.






It is a basic part of any business. A big portion of a businesses finances are allotted to advertising, to promote and market that businesses goods, whether it be a good or service. Without marketing, it is difficult to get new customers and make sales. When sales are slow, as they are in this slow economy, companies have less to spend on marketing which in turn slows down business even more. It is a destructive cycle.

Radio advertisements, even with a large audience (at sometimes during the day), are largely ineffective because listeners may easily change the station when the music stops. Classifieds in newspapers may work if a reader is looking specifically for your product or service. And television can be simply impractical for small businesses. With all of these, you pay high advertising costs and wait to see what results they may yield.

With most businesses slowing in this economy, many businesses should re-evaluate their advertising methods. The amount of money being spent may not be the only problem, if that's the problem at all. The medium that your business is using to advertise may be the problem. Internet businesses have many outlets to market and promote, such as forums, blogs, online classifieds etc. However, just like advertising in a newspaper, small businesses are struggling to not be outshined by big expensive advertisements by larger companies.

As anyone who has looked for marketing solutions online has undoubtedly seen, there are many "marketing firms" that guarantee X amount of visitors to your website for a low price. If your website were to receive 10 million hits a day, it all is worthless if they do not buy anything, or not even read your content. A lot of businesses who promise hits without any mention of performance, will simply make your site a pop-up and your "visitor" will not spend more than three seconds on your site in most cases.

Online businesses have an advantage over other traditional businesses in its ability to work with a sort of 'pay for performance' approach to there advertising. As a business, you would pay advertising fee based solely on how effective it turns out to be. This model has potential to better for both parties. If your product generates great revenue due to marketing, the website or wherever you implemented your marketing could earn more than a flat rate you would pay traditionally.

As this may be more difficult for traditional brick and mortar businesses, online business may implement an affiliate program into their businesses quite simply. Affiliate programs enable a business to have an unlimited amount of independent promoters who are paid a percentage of the sales they bring to your company. These independent promoters spend their own money on their marketing efforts, saving your business a great deal of over heard.

There are many businesses, that should you be able to find easily with a quick online search, that will set-up your companies affiliate program. The affiliate program has and will continue to be a must for online business with an online presence. You pay for sales and nothing else, after your business has one implemented, you will undoubtedly see a great increase in cash flow. And what business does not need an increase in cash flow?

Comparing Granite and Marble Countertops: Which 1 Really should You Choose?

Granite and marble are equally stones meaning they can be the two durable, hefty, and surprisingly hard. Simultaneously, due to the fact both equally these stones can seriously previous a life time, they're both equally equally pricey and quite challenging to polish and install. Because they may be both equally stones, they are by natural means patterned, as a result, you could possibly get granite or surface encounters marble which is not quite related on the design in the catalog which you ordered so it could be finest to really see the genuine solution when picking the type of style and pattern that you simply want as a substitute of relying only on photos. Equally are warmth resistant plus they will not scorch when positioned even having a incredibly very hot materials these as iron pots and pans.



Nevertheless, granite is way harder than marble and it is a lot more resistant to scratches and hefty impacts when compared with marble. Concurrently, granite is much more defiant to acids these as vinegar, lemon juice, and tomato juice, together with other products with high ranges of acidity. To help you much better fully grasp the strengths of equally stones, let us take a closer appear as to how they have been formed. Marble, and all its stone relatives - onyx, travertine, and limestone for the onset have been sediments manufactured of shells, plant subject, animal skeletons, and silt which all settled on the bottom of bodies of water and soon after several years of getting soaked in drinking water, they solidify and develop into stones/ Marble’s primary component is calcium and that's the reason why it has a tendency to react to acids these kinds of as vinegar together with other beverages that include citrus. Granite, on the other hand, is manufactured up of crystallized minerals shaped while in the earth’s mantle at superior temperature. The result is often a difficult, incredibly resistant stone. Marble could be scratched and etched by acids since it is manufactured of calcium carbonate that is a great deal like chalk however the only distinction is surface encounters marble is compressed and in a crystallized kind. Inside the very same way, marble has fewer designs, in fact it truly is much more normally sold in its white shade so stains and mars may well stand out a lot more subjected in marble. Granite incorporates a a lot more complex pattern which will cover the stains superior. When it comes to designs on the other hand, marble includes a finer, much more sophisticated seem than granite. The crystal formations in marble are a lot more satiny and finer in nature which makes it seem a lot more luxurious. Granite has bigger, pea-sized crystals that happen to be coarser to the eye.



In the long run, in relation to sturdiness, the granite countertop could be more durable and more resistant to stains and scratches while the seems are won by marble. Marble nevertheless is less costly than granite but it surely demands increased routine maintenance. So, all of it boils down to what you truly want like a countertop. Would you settle to get a countertop which is particularly hard-wearing and though not as very as being the other a person, or would you trade beauty for sturdiness and power?

How you can Discover Track record Info On Anybody

Discovering the right individuals to function for you personally has in no way been an simple career. Everyone is excellent at something but you need to figure out if they are most likely to be great at performing what you need them to do. Not merely that, you have to also make particular that they're going to match in along with your business and existing staff. That is why getting great employment track record procedures is essential when you are hiring new workers.

I am certain your quest for criminal search totally free on-line has come to an finish as you study this publish. Yes, absent are those days once we need to search endlessly for background totally free online info or other such information like background free on-line,criminal history background ,national criminal track record checks and even potential employee background Even with out articles for instance this, utilizing the Web all you've acquired to complete is log on and use any of the search engines like google to find the background examine free online information you'll need.

Use the forums-don't be frightened to join in on discussion board discussions with other website members. Ask concerns, share advice and assemble your professional network com.Be an excellent listener-demonstrate a genuine interest in what the interviewer has to say. Try to not interrupt by interjecting a comment whilst a person else is speaking (even when you are afraid you may neglect the stage you'd like to produce).

The best way to keep workers at your production plant.How you can retain employees at your production plant In terms of employing employees you will find many tips and tricks which you can adhere to to ideally utilize the most efficient workers which you can find.

When you possess the persistence to go by means with the remainder of this write-up associated to track record check totally free online you will unquestionably comprehend one or two points that will show really helpful to you. Maintain correct on studying and be correctly knowledgeable about check free on-line also as other associated track record totally free online,criminal history track record , national criminal checks or potential employee background examine information.

In situation you are looking for a reputable business, you should bear in mind that these services will arrive at a cost. Usually, nonetheless, the charge is nominal. You will find sites that declare to offer a totally free service, but usually these are very best avoided.

Dealing utilizing the Colorado Springs criminal legislation just isn't an ordinary thing and is as a result very best left to trained attorneys. The experienced Colorado criminal defen.If an employee has endured an damage at his workplace then he has the proper to declare for compensation. The insurance coverage companies nevertheless make an effort to stall the identical.

It may interest you to understand that lots of people searching for online background check free online also got information regarding other track record check totally free on-line,criminal background background checks, nationwide criminal checks, as well as possible employee background examine here effortlessly.

What can go incorrect will go incorrect, in the worst moment. They may be as a result of human mistakes or oversight, incomplete or out-dated particulars, mistaken identity or identification theft and so forth. Whatever the case is, we would not be oblivious to the harm or victimization and might be well-prepared to encounter as much as issues if needed. And if we do turn up some factor unfavorable but correct in the self-check, we obtain a opportunity to fix it forward.

Know The Significance Of one's Free Credit rating

More and more loan companies, employers, landlords and insurance coverage companies are checking your FICO score as component of their process of approving your mortgage, landing a job, getting your personal house to live, or good rates offered for any kind of insurance that you might have utilized for. To attain all of these issues which you are dreaming of accomplishing building a good free credit score background is the first thing that you have to do if in situation you acquired one with a poor background.

Credit scores begin from a reduced 300 towards the cream with the crop 850. A normal customer includes a credit score range of 600 to 700 but some might have much more than this. A FICO score will be the foundation of most loan companies and credit score bureaus of computing your creditworthiness. A good credit score falls on an average of 720 and above. Where does one get the information on their respective credit score scores? By legislation this really is given for totally free once a yr coming in the 3 main credit bureaus: Equifax, Experian and TransUnion. Your scores and credit history exhibits your current and closed accounts also as your payment background.

Loan companies do usually have a look on your online credit score background as the basis on whether or not they'll grant your loan at a good rate of interest or deny this altogether. If right now you are intrigued on applying to get a mortgage that necessitates a substantial credit score score then it would be best to use for FICO score monitoring which generally gives you an update on your scores on a weekly basis. Subscribing to this on-line support alerts you when you have reach your substantial score objective so long as you setup a threshold for it. Some would go as far as sending you an sms to inform you whenever your scores have alter for your better or for your worst.

To help you develop a better credit score and history listed here are some easy recommendations to adhere to:

Request a duplicate of one's credit history as needed if not wait around for it once a year but do keep track of your history for just about any mistakes. If you see discrepancies then you can dispute them by heading via your reports completely.

Pay your expenses promptly. Include some much more around the minimum amount which you generally pay because this would trigger your credit score to rise and would be obvious for most loan companies which you are a good borrower simply because you spend on time and is sincere in settling your expenses.Steer clear of maxing out in your credit score restrict. This will certainly cause your credit score scores to drop that quick. Cancel credit score cards which you are not utilizing or don't need and spend promptly for the credit card bills.

foreclosure search

No one sane.

On a somewhat related note:

NO. THERE’S NO LIFE AT MERS

 

Mortgage Electronic Registration Systems, Inc (MERS) has a very long history. The beginning stages have remained a mystery until now.

In 1989, Brian Hershkowitz developed the “Whole Loan Book Entry” concept while serving as a director for the Mortgage Bankers Association (MBA). In 1990, he first introduced this concept to seven different industry group; Document Custodian, Originators, Servicers, Title Insurers, County Recorders, Government Sponsored Enterprises (GSE’s) and Warehouse/Interim Lenders. The reception was very positive and it was viewed as a very useful recording system to be used for how equity and debt securities could be identified and managed.

In 1991, Mr. Hershkowtiz published Farming It Out in Mortgage Banking Magazine. His main discussion in this article is primarily about getting the opinion of the experts in the technology outsourcing service industry. In 1992, Mr. Hershkowitz published another article called Cutting Edge Solutions in Mortgage Banking Magazine. In this particular article he mentions the actual meeting that took place at the Mortgage Bankers Association of America (MBA) headquarters with many key players that are known today as some of MERSCORP’s shareholders, such as, Fannie Mae and Freddie Mac. In this meeting they discussed a “System” that will bring changes in mortgage records.

Mr. Hershkowitz went on to become President and COO of LandSafe Credit, a leading settlement service provider that was a subsidiary of Countrywide. Mr. Hershkowitz also spent several years serving Countrywide in the areas of strategic planning and executive management.

In 2001, Mr. Hershkowitz became Executive Vice President at Fidelity National Information Services (FNIS) and President of its mortgage and information services division. His responsibilities included management of the Company’s data offerings, including public records information, credit reporting information, flood hazard compliance data, real estate tax information and collateral valuation services. He left FNIS in November of 2006 to become Chief Executive Officer of Maximum Value Group, a consulting firm focused on providing advice to private equity and other market participants in the area of banking and mortgages.

ENTER THE X-FILES

MERS has evolved into a totally different purpose today.

Mortgage Electronic Registration Systems, Inc. is a wholly owned subsidiary of MERSCORP Inc., located at 1595 Spring Hill Rd Ste 310 Vienna, VA 22182.

MERS was founded by the mortgage industry. MERS tracks “changes” in the ownership of the beneficial and servicing interests of mortgage loans as they are bought and sold among MERS members or others. Simultaneously, MERS acts as the “mortgagee” of record in a “nominee” capacity (a form of agency) for the beneficial owners of these loans.

To ensure widespread acceptance within the industry, MERS sought to have security instruments modified to contain MERS as the original mortgagee (MOM) language. MERS began to change decades of business practices after the two biggest mortgage funders in the U.S. the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Ferderal National Mortgage Association (Fannie Mae) modified their Uniform Security Instruments to include MOM language. Their approval opened the doors to incorporate MERS into loans at origination.

Soon after, U.S. government agencies like the Veterans Administration, Federal Housing administration and Government National Mortgage Association (Ginne Mae), and several state housing agencies followed both Fannie/Freddie to approve MERS.

More than 60 percent of all newly-originated mortgages are registered in MERS. Its mission is to register every mortgage loan in the United States on the MERS System. Since 1997, more than 65 million home mortgages have been assigned a Mortgage Identification Number (MIN) and have been registered on the MERS System.

The mortgage-backed security (MBS) sector tested the viability of MERS because a substantial number of mortgages are securitized in the secondary market. In February 1999, Lehman Brothers was the first company to include MERS registered loans in a MBS.

Moody’s Investor Service issued an independent Structured Finance special report  on MERS and it’s impact of MBS transactions and found that where the securitzer used MERS, new assignments of mortgages to the trustee of MBS transactions were not necessary.

Since MERS is a privately owned data system and not public, all mortgages and assignments must be recorded in order to perfect a lien. Since they failed to record assignments when these loans often traded ownership several times before any assignment was created, the legal issue is apparent. MERS may have destroyed the public land records by breaking the chain of title to millions of homes.

IN MERS CEO’S OWN WORDS

In or around the summer of 1997, MERSCORP President and CEO R.K. Arnold wrote, “Yes, There is life on MERS” Mr. Arnold stated, “Some county recorders have expressed concerns that MERS will eliminate their offices nationwide or destroy the public land records by breaking the chain of title. As implemented, MERS will not create a break in the chain of title, and, because MERS is premised on an assignment recorded in the public land records, MERS cannot work without county recorders.”

In this same article Mr. Arnold also states “The sheer volume of transfers between servicing companies and the resulting need to record assignments caused a heavy drag on the secondary market. Loan servicing can trade several times before even the first assignment in a chain is recorded, leaving the public land records clogged with unnecessary assignments. Sometimes these assignments are recorded in the wrong sequence, clouding title to the property”. Mr. Arnold never mentions the fact that the mortgage notes have been securitized, thereby becoming “negotiable securities” under the Uniform Commercial Code.

In an interview for The New York Times, Mr. Arnold said, “that his company had benefited not only banks, but also millions of borrowers who could not have obtained loans without the money-saving efficiencies MERS brought to the mortgage trade.”

Mr. Arnold went on to say that, ” far from posing a hurdle for homeowners, MERS had helped reduce mortgage fraud and imposed order on a sprawling industry where, in the past, lenders might have gone out of business and left no contact information for borrowers seeking assistance.”

“We’re not this big bad animal,” Mr. Arnold said. “This crisis that we’ve had in the mortgage business would have been a lot worse without MERS.”

Unfortunately, even a simple search in the Florida Land Records proves the opposite to be the case. Researchers have  easily found affidavits of lost assignments actually stating, “the said mortgage was assigned to Mortgage Electronic Registration Systems, Inc., from “XXXXXXX”, the original of the said assignment to Mortgage Electronic Registration Systems, Inc., was lost, misplaced or destroyed before same could be placed of record with the Florida Land Records County Clerk’s office; That, “XXXXXXX”, it’s successors and/or assignee is no longer in business/or do not respond to our request for a duplicate assignment, and therefore, a duplicate original of said assignment cannot be obtained.”

According to affidavits such as these, not only have the borrowers lost contact with the lenders, but the same is true that MERS did as well.

On September 25, 2009, Mr. R.K. Arnold was deposed in Alabama. Mr. Arnold admitted MERS does not have a beneficial interest in any loan, does not loan money and does not suffer a default if monies are not paid. On November 11, 2009, William C. Hultman was deposed in Alabama and made the same admissions.

Yet again, researchers have easily located affidavits recorded in the Florida Land Records stating “That said Deed of Trust has not been assigned to any other party and that MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, Inc. is the current holder and owner of the Note and Deed of Trust in question.”

NO. THERE’S NO LIFE AT MERS

Aside from not recording assignments, Mr. Arnold failed to mention that the certifying officers given authority to execute sensitive loan documents would not be paid employees of MERS. This raises the critical legal question as to how one can act as a certified officer and execute any equitable interest on behalf of any security instruments without being an employee of MERS.

On April 7, 2010, in the Superior Court of New Jersey, MERS Treasurer and Secretary William C. Hultman gave an oral sworn video/telephone deposition in the case of Bank Of New York v. Ukpe.:

Q Do the assistant secretaries — first off, are
you a salaried employee of MERS?
A No.

Q Are you a salaried employee of MERS Corp,
Inc.?
A Yes.

Q Are any of the employees of MERS, Inc.
salaried employees?
A I don’t understand your question.

Q Does anyone get a paycheck, if they are an
employee of MERS, Inc., do they get a paycheck from
Mercer, Inc.?
A There is no MERS, Inc.

Q I thought, sir, there’s a company that was
formed January 1, 1999, Mortgage Electronic Registration
Systems, Inc. Does it have paid employees?
A No, it does not.

Q Does it have employees?
A No.

Q Does MERS have any employees?
A Did they ever have any? I couldn’t hear you.

Q Does MERS have any employees currently?
A No.

Q In the last five years has MERS had any
employees?
A No.

<SNIP>

Q How many assistant secretaries have you
appointed pursuant to the April 9, 1998 resolution; how
many assistant secretaries of MERS have you appointed?
A I don’t know that number.

Q Approximately?
A I wouldn’t even begin to be able to tell you
right now.

Q Is it in the thousands?
A Yes.

Q Have you been doing this all around the
country in every state in the country?
A Yes.

Q And all these officers I understand are unpaid
officers of MERS?
A Yes.

Q And there’s no live person who is an employee
of MERS that they report to, is that correct, who is an employee?
A There are no employees of MERS.

If so, how does anyone have any authority to sign security instruments encumbered by any loan documents, if these certifying officers are not paid employees and never attend corporate meetings in the capacity as Vice President, Assistant Secretary, etc. with Mortgage Electronic Registration System, Inc.?

COURTS FIND ISSUES WITH MERS

Federal and state judges across America are realizing that the mortgage industry’s nominee is backfiring.

No one sane.

On a somewhat related note:

NO. THERE’S NO LIFE AT MERS

 

Mortgage Electronic Registration Systems, Inc (MERS) has a very long history. The beginning stages have remained a mystery until now.

In 1989, Brian Hershkowitz developed the “Whole Loan Book Entry” concept while serving as a director for the Mortgage Bankers Association (MBA). In 1990, he first introduced this concept to seven different industry group; Document Custodian, Originators, Servicers, Title Insurers, County Recorders, Government Sponsored Enterprises (GSE’s) and Warehouse/Interim Lenders. The reception was very positive and it was viewed as a very useful recording system to be used for how equity and debt securities could be identified and managed.

In 1991, Mr. Hershkowtiz published Farming It Out in Mortgage Banking Magazine. His main discussion in this article is primarily about getting the opinion of the experts in the technology outsourcing service industry. In 1992, Mr. Hershkowitz published another article called Cutting Edge Solutions in Mortgage Banking Magazine. In this particular article he mentions the actual meeting that took place at the Mortgage Bankers Association of America (MBA) headquarters with many key players that are known today as some of MERSCORP’s shareholders, such as, Fannie Mae and Freddie Mac. In this meeting they discussed a “System” that will bring changes in mortgage records.

Mr. Hershkowitz went on to become President and COO of LandSafe Credit, a leading settlement service provider that was a subsidiary of Countrywide. Mr. Hershkowitz also spent several years serving Countrywide in the areas of strategic planning and executive management.

In 2001, Mr. Hershkowitz became Executive Vice President at Fidelity National Information Services (FNIS) and President of its mortgage and information services division. His responsibilities included management of the Company’s data offerings, including public records information, credit reporting information, flood hazard compliance data, real estate tax information and collateral valuation services. He left FNIS in November of 2006 to become Chief Executive Officer of Maximum Value Group, a consulting firm focused on providing advice to private equity and other market participants in the area of banking and mortgages.

ENTER THE X-FILES

MERS has evolved into a totally different purpose today.

Mortgage Electronic Registration Systems, Inc. is a wholly owned subsidiary of MERSCORP Inc., located at 1595 Spring Hill Rd Ste 310 Vienna, VA 22182.

MERS was founded by the mortgage industry. MERS tracks “changes” in the ownership of the beneficial and servicing interests of mortgage loans as they are bought and sold among MERS members or others. Simultaneously, MERS acts as the “mortgagee” of record in a “nominee” capacity (a form of agency) for the beneficial owners of these loans.

To ensure widespread acceptance within the industry, MERS sought to have security instruments modified to contain MERS as the original mortgagee (MOM) language. MERS began to change decades of business practices after the two biggest mortgage funders in the U.S. the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Ferderal National Mortgage Association (Fannie Mae) modified their Uniform Security Instruments to include MOM language. Their approval opened the doors to incorporate MERS into loans at origination.

Soon after, U.S. government agencies like the Veterans Administration, Federal Housing administration and Government National Mortgage Association (Ginne Mae), and several state housing agencies followed both Fannie/Freddie to approve MERS.

More than 60 percent of all newly-originated mortgages are registered in MERS. Its mission is to register every mortgage loan in the United States on the MERS System. Since 1997, more than 65 million home mortgages have been assigned a Mortgage Identification Number (MIN) and have been registered on the MERS System.

The mortgage-backed security (MBS) sector tested the viability of MERS because a substantial number of mortgages are securitized in the secondary market. In February 1999, Lehman Brothers was the first company to include MERS registered loans in a MBS.

Moody’s Investor Service issued an independent Structured Finance special report  on MERS and it’s impact of MBS transactions and found that where the securitzer used MERS, new assignments of mortgages to the trustee of MBS transactions were not necessary.

Since MERS is a privately owned data system and not public, all mortgages and assignments must be recorded in order to perfect a lien. Since they failed to record assignments when these loans often traded ownership several times before any assignment was created, the legal issue is apparent. MERS may have destroyed the public land records by breaking the chain of title to millions of homes.

IN MERS CEO’S OWN WORDS

In or around the summer of 1997, MERSCORP President and CEO R.K. Arnold wrote, “Yes, There is life on MERS” Mr. Arnold stated, “Some county recorders have expressed concerns that MERS will eliminate their offices nationwide or destroy the public land records by breaking the chain of title. As implemented, MERS will not create a break in the chain of title, and, because MERS is premised on an assignment recorded in the public land records, MERS cannot work without county recorders.”

In this same article Mr. Arnold also states “The sheer volume of transfers between servicing companies and the resulting need to record assignments caused a heavy drag on the secondary market. Loan servicing can trade several times before even the first assignment in a chain is recorded, leaving the public land records clogged with unnecessary assignments. Sometimes these assignments are recorded in the wrong sequence, clouding title to the property”. Mr. Arnold never mentions the fact that the mortgage notes have been securitized, thereby becoming “negotiable securities” under the Uniform Commercial Code.

In an interview for The New York Times, Mr. Arnold said, “that his company had benefited not only banks, but also millions of borrowers who could not have obtained loans without the money-saving efficiencies MERS brought to the mortgage trade.”

Mr. Arnold went on to say that, ” far from posing a hurdle for homeowners, MERS had helped reduce mortgage fraud and imposed order on a sprawling industry where, in the past, lenders might have gone out of business and left no contact information for borrowers seeking assistance.”

“We’re not this big bad animal,” Mr. Arnold said. “This crisis that we’ve had in the mortgage business would have been a lot worse without MERS.”

Unfortunately, even a simple search in the Florida Land Records proves the opposite to be the case. Researchers have  easily found affidavits of lost assignments actually stating, “the said mortgage was assigned to Mortgage Electronic Registration Systems, Inc., from “XXXXXXX”, the original of the said assignment to Mortgage Electronic Registration Systems, Inc., was lost, misplaced or destroyed before same could be placed of record with the Florida Land Records County Clerk’s office; That, “XXXXXXX”, it’s successors and/or assignee is no longer in business/or do not respond to our request for a duplicate assignment, and therefore, a duplicate original of said assignment cannot be obtained.”

According to affidavits such as these, not only have the borrowers lost contact with the lenders, but the same is true that MERS did as well.

On September 25, 2009, Mr. R.K. Arnold was deposed in Alabama. Mr. Arnold admitted MERS does not have a beneficial interest in any loan, does not loan money and does not suffer a default if monies are not paid. On November 11, 2009, William C. Hultman was deposed in Alabama and made the same admissions.

Yet again, researchers have easily located affidavits recorded in the Florida Land Records stating “That said Deed of Trust has not been assigned to any other party and that MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, Inc. is the current holder and owner of the Note and Deed of Trust in question.”

NO. THERE’S NO LIFE AT MERS

Aside from not recording assignments, Mr. Arnold failed to mention that the certifying officers given authority to execute sensitive loan documents would not be paid employees of MERS. This raises the critical legal question as to how one can act as a certified officer and execute any equitable interest on behalf of any security instruments without being an employee of MERS.

On April 7, 2010, in the Superior Court of New Jersey, MERS Treasurer and Secretary William C. Hultman gave an oral sworn video/telephone deposition in the case of Bank Of New York v. Ukpe.:

Q Do the assistant secretaries — first off, are
you a salaried employee of MERS?
A No.

Q Are you a salaried employee of MERS Corp,
Inc.?
A Yes.

Q Are any of the employees of MERS, Inc.
salaried employees?
A I don’t understand your question.

Q Does anyone get a paycheck, if they are an
employee of MERS, Inc., do they get a paycheck from
Mercer, Inc.?
A There is no MERS, Inc.

Q I thought, sir, there’s a company that was
formed January 1, 1999, Mortgage Electronic Registration
Systems, Inc. Does it have paid employees?
A No, it does not.

Q Does it have employees?
A No.

Q Does MERS have any employees?
A Did they ever have any? I couldn’t hear you.

Q Does MERS have any employees currently?
A No.

Q In the last five years has MERS had any
employees?
A No.

<SNIP>

Q How many assistant secretaries have you
appointed pursuant to the April 9, 1998 resolution; how
many assistant secretaries of MERS have you appointed?
A I don’t know that number.

Q Approximately?
A I wouldn’t even begin to be able to tell you
right now.

Q Is it in the thousands?
A Yes.

Q Have you been doing this all around the
country in every state in the country?
A Yes.

Q And all these officers I understand are unpaid
officers of MERS?
A Yes.

Q And there’s no live person who is an employee
of MERS that they report to, is that correct, who is an employee?
A There are no employees of MERS.

If so, how does anyone have any authority to sign security instruments encumbered by any loan documents, if these certifying officers are not paid employees and never attend corporate meetings in the capacity as Vice President, Assistant Secretary, etc. with Mortgage Electronic Registration System, Inc.?

COURTS FIND ISSUES WITH MERS

Federal and state judges across America are realizing that the mortgage industry’s nominee is backfiring.

marchex reputation management

Great <b>news</b>: Service industry now slowing down, too « Hot Air

Great news: Service industry now slowing down, too.

Great <b>news</b>: Service industry now slowing down, too « Hot Air

<b>News</b> In Brief: Life - Science <b>News</b>

Flowery advertising, tempting toilets for shrews, bat beacons and more in this week's news.

<b>News</b> In Brief: Life - Science <b>News</b>

<b>News</b> attacks — Crooked Timber

I've received the ultimate accolade from News Corporation, graduating from snarky asides and dark mutterings in which I'm identified only indirectly to a full-length hit piece in our only national (general) newspaper, ...

<b>News</b> attacks — Crooked Timber

Being Right or Making Money

I sat down not half hour ago to watch a replay of Raw. For the third week in a row, I have watched a full WWE show in order to see one man. A man who in the last month has become the "saviour" of wrestling for some fans and a mainstream publicity magnet for the WWE. The most impressive thing, it seems, is that he's only unleashed it now, a month before he leaves the company.  

When the news first broke that CM Punk was planning to leave the WWE after his contract expired, I wasn't surprised. I honestly didn't and still wouldn't blame him. Not only because of the backstage stories of his poor treatment; from being buried in developmental, to his nickname as the "King of the Indies" (1).

Not only because it seems Punk has never been considered a member of the "Youth Movement", or as an established main eventer like Cena or Orton for sometime now. Leaving him essential in no man's land. Not only because Punk, a three time WWE world champion (four time if including the ECW world title), has been used for a while now to only advance Vince's home-grown talent. 

But because he has never been truly valued as a WWE superstar. That was until now it seems. 

While others like Chris Jericho and Batista left the WWE having been buried, Punk has used his last month in the WWE it seems to show Vince why and how he can draw money. He's taken the unlimited potential which guys like Paul Heyman and Steve Austin (3) have noted in him and used it to punch Vince right in his giant grapefruit's. 

The NFL lockout has created plenty of new characters for the average sports fan, and lots of different groups have sought to paint themselves at victims and everyone else as villains.

The one group that, unequivocally, has a greater burden than everyone else is the NFL rookies. 

Some of those rookies spoke with Bleacher Report at the NFLPA's "Business of Football" symposium at the IMG Training Facilities in Bradenton, Fla.

The NFL draft is a great event. The image of Cam Newton holding up a Carolina Panthers jersey, standing next to the beaming Roger Goodell, will be forever burned into the memories of countless NFL fans.

Since then, no paychecks have rolled in, no millions have been rolled in, no mansions have been moved into.

If MTV Cribs wants to showcase any of the NFL rookies, they will have trouble fitting all of that production equipment into one-room apartments or parents' basements.

Charles Clay (FB Dolphins) made headlines a few weeks back when he told The South Florida Sun-Sentinel that he has started cutting lawns to make money during the lockout. Clay has wanted to take part in the much-publicized, player-organized lockout workouts, but he can't afford to take a day off.

Not everyone is a sixth-round fullback, however.

Will Rackley (OL Jaguars) is living it up in real style, in a small apartment by his college campus in Bethlehem, Penn.

When I asked Rackley if he's had a chance to get together with his teammates, he said no. He can't afford a trip to Jacksonville right now. He's been using Twitter to learn more about his fellow Jaguars and was thankful that he could spend time with Blaine Gabbert at the NFLPA Symposium.

Anthony Castonzo (OL Colts) had one of the best responses when I asked him if there was one specific thing he had spent his money on:

"I ain't got no money to spend! Basically the only thing I spend money on is food right now. I'm living at my parents' house and not really spending money on anything. I don't have any money to spend. It's been very modest for me since the draft."

Titus Young (WR Lions) is also living with his parents in L.A. Marcell Dareus (DT Bills) is doing yard work in place of rent for his godfather in Birmingham.

Not exactly champagne wishes and caviar dreams.

Checking in with the first-rounders, Christian Ponder (QB Vikings) has been living in Bradenton on the IMG Campus working out. He made headlines when it was learned he flew teammates down for workouts in Florida.

It is important to remember, that isn't really Ponder's money. If Ponder never plays a down in the NFL, he still owes that money to IMG. Rather, it's an investment he's made in his future and in his relationship with his teammates.

"It's eye-opening for a lot of people, guys are accepting a lot of money they haven't had before, and it's easy to let it all slip out of your hands," Ponder said. "It's all about making good decisions with your financials."

Ponder was also impressed with a session by former New York Giants WR Plaxico Burress:

"It sounds like he has really changed and learned from the whole thing that he went through. He was telling the guys that every decision you make has a consequence good or bad and make the right decisions."

The Vikings' first-round pick plans to move to Minneapolis next week after spending Independence Day with his family.

The easy, and incorrect, write-off to this story is that all these rookies need is patience while they wait for the millions and millions of dollars to roll in. However, that convenient answer ignores the very real reality that these players face. 

A sizable chunk of these rookies may never see an NFL field. Some will languish on NFL practice squads; others will be cut outright and try to ply their trade in the UFL or north of the border. Still more will likely suffer a career-ending injury very early in their careers.

The lockout changes this dynamic even more, as shortened training camps could lead NFL teams to lean heavily on veterans in the upcoming season, eliminating the dreams of potential players even more than usual.

As a deal is getting done or not getting done, these NFL rookies are in a truly unique position in NFL history—fighting that much harder to make their lifelong football dreams come true.

 

Michael Schottey is an on-call editor for the Bleacher Report College Writing Internship, as well as an NFL Featured Columnist and an NFL Labor/Draft Expert. A member of the Pro Football Writers of America, he has professionally covered the Minnesota Vikings and the Detroit Lions, as well as NFL events like the Scouting Combine and the Senior Bowl. Follow him on Twitter.

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<b>News</b> Corp. Names Andrea Zappia CEO of Sky Italia - The Hollywood <b>...</b>

He replaces Tom Mockridge who left the Italian pay TV service last month to become CEO of News Corp.'s U.K. newspaper group News International.

<b>News</b> Corp. Names Andrea Zappia CEO of Sky Italia - The Hollywood <b>...</b>

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire

If you think this is a “done deal,” think again. Vice President Biden is expected to speak in the House of Representatives. You know that would not be happening if [...]

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire

Local <b>News</b> Reporter Shot with BB Gun During Live Segment

Leanne Suter, a reporter for KABC in Los Angeles, was shot in the hand with a BB gun yesterday while doing a segment on weather. We can't find video of the incident itself, but apparently Leanne is such a bad-ass that ...

Local <b>News</b> Reporter Shot with BB Gun During Live Segment