Zeroes Among Us, NRED re Bullies Among Us, Valerie Mapes

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No evidence provided by BrooWaha for their legal hot water allegations is automatically suspect. I gave Craig a lot of the stuff here. He figured out how to write compelling stories and to post them citing sources and posting evidentiary documents. Why isn’t BrooWaha posting both sides? It is BrooWaha that is restricting Free Speech here. Craig B. is completely correct in everything he’s written here. I can and will personally vouch for it. There is total veracity in Craig’s exceptionally well-done exposes. I was one among many that gave Craig some of the conclusive evidentiary documents he’s written about here and posted.

God Bless Craig B. I truly believe that without all that he has done here, the real reasons for why my now kicked under the wheels country with this Great Recession may never have been exposed.

Craig B. is completely correct in everything he’s written here. The evidence for what Craig’s revealed is compelling, reasonable and verifiable. There is a preponderance of that evidence. Much of that evidence is now posted several places on the Internet as well as remains in public records. All the exposed parties have had a chance to respond publicly FOR SEVERAL YEARS NOW in several easily available and accessible public forums; Internet, newspapers, courts. Realtor Keith W. Gledhill LOST in court.

Band Director and ballroom dance instructor James K. Olson and his attorney Steven T. Schoonover are CHEATING in California courts with their COUNTERFEIT SERVICES resulting in fraudulently based default CALIFORNIA judgements against a Nevada citizen. Investors Scott and Feather Dugan are also CHEATING in court resulting in the loss of my home and possessions and death of some of my pets. Nevada judge Steve Elliott, among other Nevada judges, ignores the CONFLICT-OF-INTEREST rules because his wife Mendy Elliott is up to her eyeballs in mortgage fraud with Wells Fargo, Rick Vaughan, Beverly Stewart, Sheila Walther, and Scott Bice.

The same thing is now happening to Craig that happened to the rest of us victims. The bullies are out to silence us. We are casualties of what they did and again when the bullies seek to cover it up by their lies, bribes or threats. The bullies are now out to silence Craig, a voice for us victims. There is no libel or slander here in Craig’s exposes. Craig is the one being libeled here. He’s the one here being publicly called a liar with no proof offered and being threatened, censored, even wrongly punished. And BrooWaha is censoring others by removing everyone else’s comments in those articles.

Yes BrooWaha, that’s censorship.

No evidence provided by BrooWaha for their legal hot water allegations is automatically suspect. I gave Craig a lot of the stuff here. He figured out how to write compelling stories and to post them citing sources and posting evidentiary documents. Why isn’t BrooWaha posting both sides? It is BrooWaha that is restricting Free Speech here.

If what BrooWaha says is true about Craig, first prove it. We are still a country of innocent until proven guilty aren’t we? Second, BrooWaha should post the allegations against Craig so we can see it/them and make our own determination of the truth. Courts are public records for a reason. So why isn’t BrooWaha making everything public?

Why haven’t these others alleged by BrooWaha for causing legal hot water for BrooWaha posted their comments and supporting docs at BrooWaha? Why haven’t these others engaged in a public civil discourse at BrooWaha like so many others have?

The only libel and slander perpetuated here are against Craig. The only falsehoods perpetuated here are from the censorship of what’s really happened and who did it that Craig accurately exposed so well here with input from us victims. I am happy to again say or even testify as such. Cheryl Hanneman http://activerain.com/blogsview/11892/can-anyone-help-these-people-in-ne...

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Henry Wells of Wells Fargo
May we all remember our lives our not measured by the number of years and days we exist, by what we accomplish while we do live, and good we may render to our fellowman. That was Henry Wells in 1878. Too bad his modern day Wells Fargo Bank forgot that. Like Wells Fargo employees Richard D. Vaughan, Mendy Elliott, Beverley Stewart, Amber Ziegler & Don Garrett.

May we all remember our lives our not measured by the number of years and days we exist, by what we accomplish while we do live, and good we may render to our fellowman. That was Henry Wells in 1878. Too bad his modern day Wells Fargo Bank forgot that. Like Wells Fargo employees Richard D. Vaughan, Mendy Elliott, Beverley Stewart, Amber Ziegler & Don Garrett.

Funny how the Nevada Governor Jim Gibbons unfunds the Consumer Protection arm of the Nevada Attorney General's Office, but ignores the corruption at the Nevada Real Estate Division. Bribes still work, don't they? Isn't that how Mendy Elliott and Valerie Mapes have been getting away with all this? The Nevada Real Estate Division is way beyond incompetence. Corruption has to be the answer doesn't it?

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America's Way Out Of Afghanistan

As long as the United States and other drug consuming countries pursue a prohibitionist strategy, a massively profitable black market premium exists that makes for the cultivation of drug crops.

Like it or not, the growing of opium poppies, which is the source of heroin, is an enormous part of Afghanistan’s economy — roughly half of the country’s annual gross domestic product. As long as the United States and other drug consuming countries pursue a prohibitionist strategy, a massively profitable black market premium exists that makes the cultivation of drug crops far more lucrative than food crops in Afghanistan or any other drug source country. For many Afghan farmers, growing opium poppies is the difference between prosperity and destitution.

The sale of these not currently taxed and not currently regulated drugs finances Al Qaeda and Taliban forces. We Really Lost This War!

If government properly defines property rights, then people are forced to pay for any negative externalities they impose on others. Therefore, the argument is made that market transactions produce efficient outcomes, although not always fair ones. In fact, seldom are they fair. I believe that an unfair outcome is not an efficient one. Not paying one’s fair share of taxes is unfair.

There are property rights in every resource, including drugs irrationally currently illegal. The assumption is that one does not have the right to act on anything that is not their property. Either government assigns the property rights to an individual or household or a company, or we assign them to the government. A common property resource is one that no one specifically owns, therefore, does that mean everyone owns it? Drugs irrationally currently illegal fall outside all current rules for property. Hence the bloody ravages of turf wars between drug lords. Does that mean that here everyone via government takes on the role of deciding common property rights? The government affects the economy and culture when it defines or assigns property rights, taxes, subsidizes, and regulates. Via regulation, government has increasingly taken over common property such as water and air. So why not the drugs irrationally currently illegal?

Who owns the oceans? The assumption is that beyond country’s territory claims, the ocean is common property. Everybody uses it and nobody maintains it. Similar to the vast profits made off drugs irrationally currently illegal. A lot of people are making money off drugs irrationally currently illegal but not paying for it.

Normative economics is a form of economics. It makes judgments on various policies and the desirability of each. The conclusions in normative economics rest on value-judgments, facts, and theories. Normative economics is an assertion of what ought to be. It is an analysis that includes value judgment about economic policies. Normative economics relates to whether things are good or bad.

Like all economics, it is based on the assumption that human individuals or groups of human individuals uniformly pursue their own individual interests. People either adapt to circumstances, or try to modify the circumstances to achieve their goals and objectives. Normative economic statements are always in the format of as it should be, or it ought to be. An example is when mortgage interest rates drop. When they do then the qualifying loan amount rises, so we ought to drop mortgage interest rates so more people can qualify to own their own home. Another example is consumer refusal to purchase anything whale carcass related because we ought not to eat the flesh of another sentient being. Consumers accept that consuming a sentient creature is immoral and stop doing it. Normative economics has individual human feelings of preference or desire in it. Therefore, it is a value-judgment-based analysis.

I think it ought to be that drugs irrationally currently illegal must immediately be legalized, regulated and taxed. That one simple cost effective change would remove just about all of the current financing for terrorists. Legalizing, regulating and taxing all drugs is America’s only way out of Afghanistan.

http://www.broowaha.com/articles/5172/americas-way-out-of-afghanistan

When I drafted into the Army, we handled ass holes like these by fragging them. In the U.S. military, fragging refers to the act of attacking a superior officer with a fragmentation grenade.

The term originated in the Vietnam War and was most commonly used to mean assassination of an unpopular officer of one's own fighting unit, often by means of a fragmentation grenade, hence the term. Although the term is derived from the grenade, the act was more commonly committed with firearms during combat in Vietnam.

A hand grenade was often used because it would not leave any fingerprints, and because a ballistics test could not be performed (as it could to match a bullet with a firearm). The grenade would often be thrown into the officer's tent while he slept.

Sometimes the intended victim would be 'warned' by first having a smoke grenade thrown into his tent. If he persisted in antagonizing his men, this would be followed by a stun grenade, and finally by a fragmentation grenade.

A fragging victim could also be killed by intentional "friendly fire" during combat. In this case, the death would be blamed on the enemy, and, because of the dead man's unpopularity, the perpetrator could assume that no one would contradict the story.

Many soldiers were not overly keen to go into harm's way, and preferred leaders with a similar sense of self-preservation. If a C.O. was incompetent, fragging the officer was considered a means to the end of self preservation for the men serving under him. Fragging might also occur if a commander freely took on dangerous or suicidal missions, especially if he was deemed to be seeking glory for himself.

The very idea of fragging served to warn junior officers to avoid the ire of their enlisted men through recklessness, cowardice, or lack of leadership. Junior officers in turn could arrange the murder of senior officers when finding them incompetent or wasting their men's lives needlessly. Underground GI newspapers sometimes listed bounties offered by units for the fragging of unpopular commanding officers.

Throughout the course of the Vietnam War, fragging was reportedly common. There are documented cases of at least 230 American officers killed by their own troops, and as many as 1,400 other officers' deaths could not be explained. Incidents of fragging have been recorded as far back as the 18th century Battle of Blenheim.

First Amendment Right to Anonymous Free Speech

The U.S. Supreme Court has ruled repeatedly that the right to anonymous free speech is protected by the First Amendment. A much-cited 1995 Supreme Court ruling in McIntyre v. Ohio Elections Commission reads:

Protections for anonymous speech are vital to democratic discourse. Allowing dissenters to shield their identities frees them to express critical, minority views . . . Anonymity is a shield from the tyranny of the majority. . . . It thus exemplifies the purpose behind the Bill of Rights, and of the First Amendment in particular: to protect unpopular individuals from retaliation . . . at the hand of an intolerant society.

The tradition of anonymous speech is older than the United States. Founders Alexander Hamilton, James Madison, and John Jay wrote the Federalist Papers under the pseudonym "Publius," and "the Federal Farmer" spoke up in rebuttal. The US Supreme Court has repeatedly recognized rights to speak anonymously derived from the First Amendment.

The right to anonymous speech is also protected well beyond the printed page. Thus, in 2002, the Supreme Court struck down a law requiring proselytizers to register their true names with the Mayor's office before going door-to-door.

These long-standing rights to anonymity and the protections it affords are critically important for the Internet. As the Supreme Court has recognized, the Internet offers a new and powerful democratic forum in which anyone can become a "pamphleteer" or "a town crier with a voice that resonates farther than it could from any soapbox."

On December 21, 2007, Superior Court Judge Terence Flynn granted EFF's motion to quash the Township's September 26th subpoena seeking the identity of datruthsquad and denied a motion by the township to authorize future subpoenas, finding that the subpoena amounted to "an unjust infringement on the blogger's First Amendment rights" and that the blogger "has a right not to be drawn into the litigation." Judge Flynn denied the motion for a protective order, finding that it was unnecessary at this time.

More from Judge Flynn's ruling from the bench:

"And I [...] recognize that there are First Amendment issues with regard to disputes with the past administration. And that anyone [...] has a right to make their feelings clear. And they have a right not to be intimidated by the issuance of discovery requests in order to shut them down. For that reason, in many ways, the authority cited by the intervenor is correct and accurate. And first of all the [...] blogger, if in fact it’s an individual person, and I’m assuming absent any evidence that it is another individual person, has a right not to be drawn into the litigation and forced to reveal identity or to impede on his or her First Amendment rights simply on a suspicion, however founded or unfounded, and I don’t believe that this suspicion is sufficiently founded at this point to determine that it is Mr. Moskovitz. That person should not be drawn into the litigation and forced to abide by the rules with regard to exchange of information that the parties have, as opposed to a third party. So the Court is satisfied that there is no authority under law for this particular subpoena to obtain this private information. To allow the subpoena would be undue and unjust infringement on the blogger’s First Amendment rights. There’s no factual basis at this point, other than a mere suspicion for the justification. And ultimately that even if the information were obtained, it would be so remote to the actual elements of this litigation that it would not be admissible under any circumstances."

• First Cash v. John Doe
• Manalapan v. Moskovitz
New Jersey Township tries to unmask anonymous online critic.
• Dominick v. MySpace
• Fix Wilson Yard v. City of Chicago
• E. Van Cullens v. John Doe
• RIAA v. Verizon Case Archive
• Doe v. Cahill
• Merkey v. Yahoo SCOX, Groklaw et. al.

http://www.supremecourtus.gov/opinions/06pdf/06-278.pdf

http://www.eff.org/issues/anonymity

Where's a good sociopath out shooting these people when you need one?

This is another example of a psychopath, which most Realtors, loan officers AND lawyers strike me as anyway. Psychopath defined: A person with a personality disorder indicated by a pattern of lying, exploitiveness, heedlessness, arrogance, sexual promiscuity, low self-control, and lack of empathy and remorse. Such an individual may be especially prone to violent and criminal offenses. Psychopaths tend to be lacking in what is considered conscience, are unable to form emotional attachments (even to friends or family), are quite impulsive, and are only self-interested. There is also considerable debate about whether this group can be changed.Unconcerned about the adverse consequences for others of one's actions. Has zero empathy as is to identify with another's feelings. Empathy is to emotionally put yourself in the place of another. The ability to empathize is directly dependent on your ability to feel your own feelings and identify them which guys like this want can't do. Empathy is the ability to recognize the sentience and suffering in another being. Empathy is the basis of high-level altruism that does not depend on the barter principle. Without empathy, there can be no compassion. Compassion is a whole system of skills and understanding learned and practiced, that manifests a high attainment of the human mind. Compassion is the sustained intention to seek the good of others and is characterized by empathy, patience, tolerance, understanding and gentle concern.

Valerie Mapes, the Reno Realtor Valerie Mapes, is a bitch.

The Internet has become a common ground for sharing viewpoints, both pro and con. As more people are tuned in to the electronic age it has become increasingly more difficult for the bad practices of any business or person, no matter how remote or small their marketplace or sphere of influence is, to continue without being noticed, as has been the case until now. People of all levels and of experience have increasingly begun to share their opinions concerning the various pluses and minuses of various businesses and people. Many businesses and people are not coming out well in these news group discussions and blogs.

Internet media has the ability to present new, or previously suppressed, news.

Everyday consumers of goods and services now have the Internet to describe their experiences with businesses and those businesses’ employees. Government executives, administrators and all government employees, businesses, both non-profit and profit, legal and not legal, and every single one of their owners and employees, and all religious participants are ever increasingly more vulnerable to exposure, and accountability.

Consumers have become bolder that their payment means total accountability for what consumers paid for. Consumers are less likely to keep to their place, do as they’re told and keep their opinions to themselves. Today’s governments, businesses or religions that dismiss or ignore consumers do so at their own risk. The Internet is free at public libraries, free at many businesses and free to anyone that wants to crawl on to it from a nearby wireless connection. Consumers of these goods and services more often than not relate bad experiences over good experiences. Exercising their freedom of speech rights where legal and illegal, they not only spell out and link the offending business’ name and location, but also the offending employees and/or owner’s names and locations. They spell out in great detail, and link with supporting documentation, their complaints.

I am glad to see “Gone are the days where settings from Auschwitz to Abu Ghraib contaminated in isolation both superiors and subordinates.” I am glad “the Internet is real-time exposure forcing attention, and repercussions.” I am glad “The result has been an increase in holding others accountable, just saying no and exposes.”

Governments, schools, teachers, businesses, attorneys, judges, Realtors, home loan lenders, doctors, mechanics, hospitals, religions, etc. should be “relentlessly interviewed, closely monitored, increasingly resisted, and constantly scrutinized.”

“Online exposes and nastiness” happen for a reason. Reasons like bad customer service or injustice. “As the realization sinks in that the Internet is also a real time conduit of one’s reputation,” customer service will be deliberately forced to get only better.

I have come to the recent conclusion that the Internet has made the Better Business Bureau a dinosaur. The BBB does not publish what the complaint is, and without that, the complaint is useless. Complaints made to the BBB about businesses not providing goods and services as advertised or legally required, bar associations about lawyers lying and taking client’s money but not doing what they were paid to do, Realtor associations about Realtors clearly violating written ethics rules, ethics committees, commissions, etc. should not be private. Instead, all should be public. But they’re not.

That’s another reason why there is an increase on the Internet of complaints and exposes. Too often, ranks have closed in around an offending member and protected them rather than hold them accountable. Or worse, the accused makes threats against the complaintant and witnesses, or bribes are offered by the accused and accepted by the investigator(s), prosecutors and/or judges. The Internet is the medium to not only expose the offending member, but also these cover ups by those paid to investigate, judge and punish offenders.

Public records are public to protect the public. That’s why our publicly elected officials voting records are public. That’s why publicly elected officials can only have public meetings “putting their opinions and conclusions easily available to everyone.” That’s why all complaints, investigations and outcomes should be public.

Californicating Nevada - How Nevada Gets The California Boot. In my research, I found that the Reno Mrs. Olson is not compulsive, delusional or obsessive. Rather what I found is puzzling, saddening and infuriating that law and justice are arbitrary, changeable, susceptible to the lies and deceit of lawyers and the whims of the judges, defined by mere commercial expediency. Surely the world is ran by higher priorities than deceit and whims and California’s commerce?

Surely it not. Why should anybody be allowed to retain obsolete fashion? Truth and justice must go. They went. California’s commerce and conversance must be served. Lawyers and judges are whores.

The Reno Mrs. Olson protested mightily. But there is a war on, don’t you know? Mr. James “Jim” K. Olson’s War. Mr. Olson’s War to impose silence, destruction, death and annihilation on his Reno Mrs. Olson. Mr. Olson’s conflict is desperate. Evidence for the justification for Mr. Olson’s War is non-existent, but anything can be put over by deceitful smug lawyers when there is a lazy, corrupt, unpatriotic or incompetent judge.

You listening Nevadan Judge Frances Doherty and Carol Cook? Judge Frances Doherty and Carol Cook are the lazy, corrupt, unpatriotic or incompetent Reno Californicated judges that both threw a Nevada citizen to the California whores and under the wheels of the California bus (DV 07-00352 and FV 07-00748). Let’s see if Reno Nevadan Judge Brent Adams or Judge Greg W. Zive are as lazy, corrupt, unpatriotic or incompetent Californicators (CV 08-01067 and BK 08-51146). You listening Nevadan Judge Brent Adams? You listening Nevadan Judge Greg W. Zive? You listening Nevadans Judge Frances Doherty and Carol Cook?

With great amusement do I point out that Mr. James “Jim” K. Olson hides his bigamy, Reno Nevada homeowners and landlord’s insurance, Nevada Trust, Reno Nevada ownership of house, etc. under his hairshirt. Mr. James “Jim” K. Olson emphasizes his lie he’s an innocent victim rather than the truth. Jim Olson and his Marin County, California lawyer buddies, Steven T. Schoonover and Michael B. Samuels victimized the Reno Mrs. Olson, forging her into a twisted bogeyman. Mr. James “Jim” K. Olson’s California lawyer buddies, Steven T. Schoonover and Michael B. Samuels, kept whipping the disobedient Reno Mrs. Olson into judicial line when she failed to follow their orders to just shut up and go quietly away.

If Jim Olson’s California lawyer buddies, Steven T. Schoonover and Michael B. Samuels could convince the California courts to forcibly alter the truth would it also not compel their attack on a Nevada citizen, which the Reno Mrs. Olson was and is. You bet your life, reputation, sanity and finances it would. By now, Nevada’s wrinkled crones and cowlick hillbillies were not allowed to play in the California courts. Nevadans and the rest of America are just supposed to have been thoroughly Californicated. Is it not only desirable by Californians, but inevitable, that those who do not come in will be left out in the cold?

I beg to differ. Come now, it’s really not all that chilly here in Nevada. Here in Nevada we still believe that the power of the legislator and judge is limited over the will and action of the people. Lessons anyone? The God of Californication is never sated is he? You listening Nevadan Judge Brent Adams? You listening Nevadan Judge Greg W. Zive? You listening Nevadans Judge Frances Doherty and Carol Cook? You listening Nevadans Judges Steve Elliott and Fidel Salcedo (enablers of Mortgage Fraudster Californian Californicator Keith W. Gledhill)?

I remind Nevadan Judge Brent Adams, Nevadan Judge Greg W. Zive, Nevadans Judge Frances Doherty and Carol Cook, and Nevadans Judge Steve Elliott and Fidel Salcedo that there is only one policy and law compatible with a healthy Nevada family life. That is one of non-intervention from California and California residents who see our fine state of Nevada as a bunch only populated by the lazy, corrupt, unpatriotic or incompetent who can not govern or try Nevada’s own that Nevada has to demand that California do so for Nevada.

Wrong. I despise California’s vulgar, home-wrecking and even attempted murderous intrusions in Nevada. It’s even more despicable when a Nevada hating Reno Judge, Frances Doherty, demands California courts judge Nevada citizens such as James “Jim” K. Olson and his Reno wife. Nevada Judges Brent Adams and Greg W. Zive, prove you are smarter and more patriotic of your home state of Nevada. Don’t let James “Jim” K. Olson Californicate you as he did Nevadan haters Judge Frances Doherty and Carol Cook. Or how Mortgage Fraudster California Keith W. Gledhill Californicated Nevada haters Reno Judges Steve Elliott and Fidel Salcedo. Nevadans Judge Frances Doherty and Carol Cook, go back and prove you are smarter and more patriotic of your home state of Nevada. Don’t let James “Jim” K. Olson and his Nevada hating lawyers John P. Springgate and Bridget Robb Peck and the lazy, incompetent or corrupt Judge Frances Doherty Californicate Nevada anymore.

Insurance Fraudsters Among Us, James K. Olson, http://renomortgagefraudexposes.ning.com/profiles/blogs/insurance-frauds...

Is it still sarcasm when I have to explain it?

So What If Reno’s Lawyer John P. Springgate Is Hanging Out Banging Reno?
Hmmmmm – Reno’s Lawyer John P. Springgate involved in lying, harassment, false docs, intimidating and bad hair piece. Maybe lying, harassment, false docs, and intimidating is a problem where you're at, but it is not a problem in Los Angeles, or obviously Reno, Nevada. What’s wrong with you?

Reno’s Lawyer John P. Springgate has won the Bad Hair Piece of the Decade Award. He threw Reno and TMCC under the wheels of bus. The world is his $2 whore.

Los Angeles and Reno understand that Reno’s Lawyer John P. Springgate does not need to be weighed down by his lying, harassment, false docs, intimidating and bad hair piece lapse until he’s arrested, censured or even fined. When is the last time the local media mentioned said lying, harassment, false docs, intimidating and bad hair piece, and neighborliness lapse? Exactly … who knows … he is Reno’s Lawyer John P. Springgate and he has a life to lead.

So what if Reno’s Lawyer John P. Springgate is hanging out banging Reno? Reno’s Reno’s Lawyer John P. Springgate is not going to spank and choke himself. So what if Reno’s Lawyer John P. Springgate needs a mother figure? Nick Lachey needs someone to do bullet shots with at Hyde.

Reno’s Lawyer John P. Springgate would be wise to relocate to Los Angeles to be amongst other visionaries like himself. In fact, we should thank Reno’s Lawyer John P. Springgate, transplants to Reno, Nevada, for reminding us what it means to be Angelinos. I hope Reno’s Lawyer John P. Springgate gruesome tale is not an omen for the future state of our nation. If throwing your colleagues, students and neighbors under the wheels of the bus is right, I am scared to know what wrong is.
(This article is dedicated to the loving memory of Ms. Anna Nicole Smith. We can only pray that Elton John will eulogize her, and Reno’s Lawyer John P. Springgate with yet another version of that candle song on national TV. Goodbye, Vickie Lynn… your dealers will miss you.) Even Porky Bully is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

Is it still sarcasm when I have to explain it?

El G, that’s with one G.

Reno lawyer John P. Springgate looks and acts like a trans-sexual don't you think?

These mortgage fraudsters should all be taken out and shot for all the harm they've done to us.

Court records show Nevada Republican Gov. Jim Gibbons remains locked in a bitter fight to end his 21-year marriage to Dawn Gibbons. Nevada Republican Gov. Jim Gibbons’s divorce proceedings have dragged into an 18th month. Judge Frances Doherty is the Gibbons’ judge. Judge Frances Doherty is the lazy or incompetent judge that threw out the Reno Mrs. Olson’s divorce when the Gibbons’s divorce appeared. Good luck Dawn Gibbons getting a fair trial from this lazy or incompetent Judge Frances Doherty.

Californicating Nevada - How Nevada Gets The California Boot.

In my research, I found that the Reno Mrs. Olson is not compulsive, delusional or obsessive. Rather what I found is puzzling, saddening and infuriating that law and justice are arbitrary, changeable, susceptible to the lies and deceit of lawyers and the whims of the judges, defined by mere commercial expediency. Surely the world is ran by higher priorities than deceit and whims and California’s commerce?

Surely it not. Why should anybody be allowed to retain obsolete fashion? Truth and justice must go. They went. California’s commerce and conversance must be served. Lawyers and judges are whores.

The Reno Mrs. Olson protested mightily. But there is a war on, don’t you know? Mr. James “Jim” K. Olson’s War. Mr. Olson’s War to impose silence, destruction, death and annihilation on his Reno Mrs. Olson. Mr. Olson’s conflict is desperate. Evidence for the justification for Mr. Olson’s War is non-existent, but anything can be put over by deceitful smug lawyers when there is a lazy, corrupt, unpatriotic or incompetent judge.

You listening Nevadan Judge Frances Doherty and Carol Cook? Judge Frances Doherty and Carol Cook are the lazy, corrupt, unpatriotic or incompetent Reno Californicated judges that both threw a Nevada citizen to the California whores and under the wheels of the California bus (DV 07-00352 and FV 07-00748). Let’s see if Reno Nevadan Judge Brent Adams or Judge Greg W. Zive are as lazy, corrupt, unpatriotic or incompetent Californicators (CV 08-01067 and BK 08-51146). You listening Nevadan Judge Brent Adams? You listening Nevadan Judge Greg W. Zive? You listening Nevadans Judge Frances Doherty and Carol Cook?

With great amusement do I point out that Mr. James “Jim” K. Olson hides his bigamy, Reno Nevada homeowners and landlord’s insurance, Nevada Trust, Reno Nevada ownership of house, etc. under his hairshirt. Mr. James “Jim” K. Olson emphasizes his lie he’s an innocent victim rather than the truth. Jim Olson and his Marin County, California lawyer buddies, Steven T. Schoonover and Michael B. Samuels victimized the Reno Mrs. Olson, forging her into a twisted bogeyman. Mr. James “Jim” K. Olson’s California lawyer buddies, Steven T. Schoonover and Michael B. Samuels, kept whipping the disobedient Reno Mrs. Olson into judicial line when she failed to follow their orders to just shut up and go quietly away.

If Jim Olson’s California lawyer buddies, Steven T. Schoonover and Michael B. Samuels could convince the California courts to forcibly alter the truth would it also not compel their attack on a Nevada citizen, which the Reno Mrs. Olson was and is. You bet your life, reputation, sanity and finances it would. By now, Nevada’s wrinkled crones and cowlick hillbillies were not allowed to play in the California courts. Nevadans and the rest of America are just supposed to have been thoroughly Californicated. Is it not only desirable by Californians, but inevitable, that those who do not come in will be left out in the cold?

I beg to differ. Come now, it’s really not all that chilly here in Nevada. Here in Nevada we still believe that the power of the legislator and judge is limited over the will and action of the people. Lessons anyone? The God of Californication is never sated is he? You listening Nevadan Judge Brent Adams? You listening Nevadan Judge Greg W. Zive? You listening Nevadans Judge Frances Doherty and Carol Cook? You listening Nevadans Judges Steve Elliott and Fidel Salcedo (enablers of Mortgage Fraudster Californian Californicator Keith W. Gledhill)?

I remind Nevadan Judge Brent Adams, Nevadan Judge Greg W. Zive, Nevadans Judge Frances Doherty and Carol Cook, and Nevadans Judge Steve Elliott and Fidel Salcedo that there is only one policy and law compatible with a healthy Nevada family life. That is one of non-intervention from California and California residents who see our fine state of Nevada as a bunch only populated by the lazy, corrupt, unpatriotic or incompetent who cannot govern or try Nevada’s own that Nevada has to demand that California do so for Nevada.

Wrong. I despise California’s vulgar, home-wrecking and even attempted murderous intrusions in Nevada. It’s even more despicable when a Nevada hating lazy or incompetent Reno Judge, Frances Doherty, demands California courts judge Nevada citizens such as James “Jim” K. Olson and his Reno wife. Nevada Judges Brent Adams and Greg W. Zive, prove you are smarter and more patriotic of your home state of Nevada. Don’t let James “Jim” K. Olson Californicate you as he did Nevadan haters Judge Frances Doherty and Carol Cook. Or how Mortgage Fraudster California Keith W. Gledhill Californicated Nevada haters Reno Judges Steve Elliott and Fidel Salcedo. Nevadans Judge Frances Doherty and Carol Cook, go back and prove you are smarter and more patriotic of your home state of Nevada. Don’t let James “Jim” K. Olson and his Nevada hating lawyers John P. Springgate and Bridget Robb Californicate you anymore.

The Internet has become a common ground for sharing viewpoints, both pro and con. As more people are tuned in to the electronic age it has become increasingly more difficult for the bad practices of any business, no matter how remote or small their marketplace is, to continue without being noticed, as has been the case until now. People of all levels and of experience have begun to share their opinions concerning the various pluses and minuses of various businesses and people. Many businesses and people are not coming out well in these news group discussions.

To me, gloating promoters of the Information Age all too often forget that knowledge has always been about connecting people and their behaviors, not just in collecting information. There has been and continues to be a democratic demand for more relevancy and currency in people’s and organization’s behaviors, and to holding people and organizations accountable for their conduct.

I believe that the Internet, the servant to a Knowledge Economy, is the true democratic voice of facts and free speech beliefs. Using the Internet to do a search is simply a reversion to the search of any life for credentials and integrity of another’s life.

Most have access to a computer. Public schools and libraries have free public computer access and training. Most can now instantly post previously hidden facts and their free speech opinions, and access others’ post of previously hidden, even deliberately suppressed, facts and free speech opinions. Happenings and ideology that previously would never have been disseminated are now readily found with a simple Google search. A Google search is just a search for credentials and integrity.

The result is that individuals and organizations are suddenly finding their previously hidden illegal, corrupt, lazy, or immoral behaviors, and their secrets, avarice, cravings, or even mistakes, suddenly and rightfully very publicly front and center on the Internet. Integrity, or its’ lack, is immediately exposed in a simple Google search.

Harmful behaviors that once were self-servingly known then to be ephemeral, and smugly relied on by the licentious perpetuators to be such, are now instantly available for analysis and judgment in the permanence the of the Internet. In response, evil raises its specious clamor when it finds itself suddenly and rightfully in the expose spotlight of the Internet. Once exposed, evil then aggressively applies its Unclean Hands to spurious ridicule and makes heavy-handed, manipulative intentionally damaging legal threats of, or illegally pursues, defamation to brutally and wrongly silence the dissemination of facts and muzzle free speech beliefs. The Internet though, has rightfully, quietly and powerfully abdicated the corrupt in its’ contemptuous and former commanding amoral influence in silencing facts and free speech beliefs.

If the title companies had any sense, to avoid future lawsuits certain to arise all the title companies would immediately remove the title insurance from these real properties citing the mortgage fraud done to illegally buy them. First American Title is way hung out here for liablity. So also is First Centennial Title. There's a clear case of defective title here. https://www.fntic.com/escrowterms.asp?letter=D

Defective Title -- (1) Title to a negotiable instrument obtained by fraud. (2) Title to real property, which lacks some of the elements necessary to transfer good title.

Just Name & Shame 'em, Blog & Boycott 'em, it's all the same for these liberals. Take these socialist-loving @$$ liberals and get the F**K out of the United States of America you socialist liberal bastard! I'll be a horse's @$$ if I'm gonna stand by quietly and let some stupid thumb-sucking socialist jack@$$ liberal deride America. If you want to be a socialist liberal, leave America. Those of us who like a capitalist America don't want your kind here -- you're not welcome and you don't deserve to live in this country.

Smile you ultra-liberals here, you're on Candid Blog.

Smile you mortgage fraudsters such as Valerie Mapes, Prudential Nevada Realty, Allan Zane, Remcor Realty, First American Title, First Centennial Title, Keith W. Gledhill, Jennifer Gledhill, Robert King, Jonna King, Beverly Stewart, Rick Vaughn, Markele Kelly, Jenna Kay Clarke, Yurie Maree, Sheila Walther, Scott Bice, Judge Steve Elliott, Mendy Elliott, Reno Sparks Association of Realtors, Northern Nevada MLS, etc., you're on Candid Blog.

Smile you mortgage fraudsters such as Valerie Mapes, Prudential Nevada Realty, Allan Zane, Remcor Realty, First American Title, First Centennial Title, Keith W. Gledhill, Jennifer Gledhill, Robert King, Jonna King, Beverly Stewart, Rick Vaughn, Markele Kelly, Jenna Kay Clarke, Yurie Maree, Sheila Walther, Scott Bice, Judge Steve Elliott, Mendy Elliott, Reno Sparks Association of Realtors, Northern Nevada MLS, etc., you're on Candid Blog.

If the title companies had any sense, to avoid future lawsuits certain to arise all the title companies would immediately remove the title insurance from these real properties citing the mortgage fraud done to illegally buy them. First American Title is way hung out here for liablity. So also is First Centennial Title. There's a clear case of defective title here. https://www.fntic.com/escrowterms.asp?letter=D

Defective Title -- (1) Title to a negotiable instrument obtained by fraud. (2) Title to real property, which lacks some of the elements necessary to transfer good title.

If throwing your neighbors and community under the wheels of the bus is right, I am scared to know what wrong is.

Nevada's Real Estate Division Administrator Ann McDermott writing in her diary:

Dear Diary,

Last year I replaced all the windows in my house with the expensive double-pane energy-efficient kind. Then this week I got a call from the contractor who installed them. He was complaining that the work had been completed a whole year ago and I still had not paid for them. Now just because I'm a blonde doesn't mean that I am automatically stupid. So, I told him just what his fast-talking sales guy had told me last year... Namely, that in ONE YEAR these windows would pay for themselves! Helllllooooo??? It's been a year!

There was only silence at the other end of the line, so I finally just hung up. He did not call back. Boy, I bet he felt dumb!!

Cristina Michta

Reno, Nevada's Realtor Broker Valerie Mapes writing in her diary:

Dear Diary,

Last year I replaced all the windows in my house with the expensive double-pane energy-efficient kind. Then this week I got a call from the contractor who installed them. He was complaining that the work had been completed a whole year ago and I still had not paid for them. Now just because I'm a blonde doesn't mean that I am automatically stupid. So, I told him just what his fast-talking sales guy had told me last year... Namely, that in ONE year these windows would pay for themselves! Helllllooooo??? It's been a year!

There was only silence at the other end of the line, so I finally just hung up. He did not call back. Boy, I bet he felt dumb!!

Cristina Michta

Reno Realtor Valerie Mapes writing in her diary:

Dear Diary,

Last year I replaced all the windows in my house with the expensive double-pane energy-efficient kind. Then this week I got a call from the contractor who installed them. He was complaining that the work had been completed a whole year ago and I still had not paid for them. Now just because I'm a blonde doesn't mean that I am automatically stupid. So, I told him just what his fast-talking sales guy had told me last year... Namely, that in ONE YEAR these windows would pay for themselves! Helllllooooo??? It's been a year!

There was only silence at the other end of the line, so I finally just hung up. He did not call back. Boy, I bet he felt dumb!!

Cristina Michta

Hmmmmm – Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill, involved in mortgage fraud and money laundering. Maybe mortgage fraud and money laundering forgery is a problem where you're at, but it is not a problem in Los Angeles, or obviously Reno, Nevada. What’s wrong with you?

Prudential Nevada Realty Reno Realtor Keith W. Gledhill has won the Fraudster of the Decade Award. He threw Reno under the wheels of the mortgage fraud bus. The world is his $2 whore.

Los Angeles and Reno understand that Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill does not need to be weighed down by their mortgage fraud and money laundering until they’re arrested. When is the last time the local media mentioned said mortgage fraud and money laundering? Exactly … who knows … he is Prudential Nevada Realty Reno Realtor Keith W. Gledhill and he has his life to lead.

So what if Prudential Nevada Realty Reno Realtor Keith W. Gledhill is hanging out banging Reno while his LA wife Jennifer I. keeps the LA, California fraud fires burning? Jennifer I. Gledhill is not going to spank and choke herself. So what if Prudential Nevada Realty Reno Realtor Keith W. Gledhill needs a mother figure? Nick Lachey needs someone to do bullet shots with at Hyde.

Prudential Nevada Realty Reno Realtor Keith W. Gledhill would be wise to relocate back to Los Angeles to be amongst other visionaries like himself. In fact, we should thank Prudential Nevada Realty Reno Realtor Keith W. Gledhill, a transplant to Reno, Nevada, for reminding us what it means to be Angelinos. I hope Prudential Nevada Realty Reno Realtor Keith W. Gledhill’s gruesome tale is not an omen for the future state of our nation. If throwing your neighbors in several states under the wheels of the bus is right, I am scared to know what wrong is.

(This article is dedicated to the loving memory of Ms. Anna Nicole Smith. We can only pray that Elton John will eulogize her, and Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill with yet another version of that candle song on national TV. Goodbye, Vickie Lynn… your dealers will miss you.)Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

http://1.bp.blogspot.com/_mJ4lc_Q9Q6k/SQnmw6haPrI/AAAAAAAASH0/Gf7YbexE0d...

Is it still sarcasm when I have to explain it?

El G, that’s with one G.

Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

http://1.bp.blogspot.com/_mJ4lc_Q9Q6k/SQnmw6haPrI/AAAAAAAASH0/Gf7YbexE0d...

Is it still sarcasm when I have to explain it?

El G, that’s with one G.

Prudential Nevada Realty Reno Realtor Keith W. Gledhill is a simple, undereducated, preaching buffoon. He is half a baby step away from the homeless people who babble to themselves in the street. He may well be insane, it's hard to tell without seeing him in person. Just stop. Stop embarrassing yourself and go away. Far away. Far away where the lying Realtors and mortgage fraudsters and bullies run free and chase butterflies in fields of sunflowers. Go be with the lying Realtors and mortgage fraudsters and bullies , Prudential Nevada Realty Reno Realtor Keith W. Gledhill. Let them pet your head and tell you the truth. Now go Prudential Nevada Realty Reno Realtor Keith W. Gledhill, be free, be with your people. Run along sweet cheeks, run along. Good boy, good....

"Prudential Nevada Realty Reno Realtor Keith W. Gledhill, you lookin' at me? You look' at me? Are you lookin' at me?" It's awesome. Not only is he dumb, he's totally looped. Prudential Nevada Realty Reno Realtor Keith W. Gledhill, you can't hide what you are and what you do. You are a sanctimonious psycho prick. I think Bristol Palin’s retarded fetus is more qualified to be a lawyer and human than Prudential Nevada Realty Reno Realtor Keith W. Gledhill is. Prudential Nevada Realty Reno Realtor Keith W. Gledhill, are you trying to out-stupid yourself?! If so, mission accomplished boy!! Go treat yourself to a Nazi pie! Prudential Nevada Realty Reno Realtor Keith W. Gledhill if you send me a postage pre-paid 3 x 3 x 3 box, I'll mail you the shit Eleanor and Gertrude produced on your fraudulent real estate contracts. I can also send you a clump of their urine (complete with litter) if you like. Next person to call this dumb, crazy prick a dick will get a -1 on their comment from me. Take that, potty mouths.

El G, that’s with one G.

May the fleas of a thousand camels infest their incompetent lazy fraudulent crotches.

A licensee has the duty of absolute fidelity
to the client’s interests.5 Absolute fidelity
means a licensee must put the client’s
interests ahead of the licensee’s interest.
A licensee “will not be permitted to
pervert his authority to his own personal
gain in severe hostility to the interest of
his principal.”

1. NO DECEIT, FRAUD OR
DISHONESTY

Whether acting as a principal or an agent,
a licensee has a duty to all parties not to
be deceitful, fraudulent or dishonest.38

Deceit is the act of intentionally or
recklessly giving a false impression or
statement, so that another person will rely
on it. It includes any conviction involving
bad faith, dishonesty, a lack of integrity,
or moral turpitude.39 Dishonesty is the
act of not telling the truth. In other words,
the licensee must at all times be honest.

Webster’s defines honesty as “adherence
to the facts.”

Licensee’s Personal Affairs: The duty
of honesty extends past the licensee’s
business activities and into his or her
personal affairs. Nevada’s Supreme

“Moral turpitude” is
conduct contrary to
justice, honesty, or
morality and includes
offenses involving fraud,
breach of trust, perjury
and intentional dishonesty
for personal gain.
State Bar of Nevada v.
Claiborne, 104 Nev. 115,
756 P.2d 464 (1988). See
also RED Open House,
Fall 2007, page 3.

The licensee’s duty of honesty includes
the duty to deal fairly with all parties to a
transaction, not just the client.49

http://red.state.nv.us/publications/law-reference/Ch%20II.pdf

Reno’s Prudential Nevada Realty, Realtor Keith W. Gledhill and Realtor/Broker Valerie Mapes grossly violated their duty to their buyer.

A licensee has the duty of absolute fidelity
to the client’s interests.5 Absolute fidelity
means a licensee must put the client’s
interests ahead of the licensee’s interest.
A licensee “will not be permitted to
pervert his authority to his own personal
gain in severe hostility to the interest of
his principal.”

http://red.state.nv.us/publications/law-reference/Ch%20II.pdf

I am an honest & ethical Reno Realtor who is mad as hell when this site was brought to my attention. Mad not at the exposes, kudos for that, but mad at these few people in my industry that give the vast majority of us who are honest and ethical, a bad name. How in hell do I legitimately compete against what I've been reading here?

With our home values dropping a shocking 2% a month, I have found myself swallowed up by the greedy fraud leviathan. As part of that greedy fraud leviathan, yes, Remcor Realty is a company whose Broker and agents ought to be in prison for the rest of their lives, along with their co-conspirators. For years Remcor’s taught real estate classes at the real estate board. Mortgage and real estate fraud was regularly taught in these classes. This clause Allan Zane/Remcor wrote into the Hanneman’s contract, that “the lender is not to be told” is common practice. It’s known as a wrap-around mortgage. And it is illegal and unethical. Remcor, Magi Bird and Remcor’s agents proudly don’t care about illegal and unethical. They very self-satisfiedly teach “that anything goes as the odds of getting caught are slim to none, and when caught, no one does anything about it anyway.”

Something Prudential Nevada’ Realty’s Valerie Mapes, Michael Reynolds, Keith W. Gledhill, First American Title, First Centennial Title, Jenna Kay Clark, and way too many others whole-heartedly embraced and arrogantly echoed.

By “no one” Remcor Realty means the Board, MLS, the Real Estate Division, the Mortgage Lending Division, the police, the Washoe County Sheriff, the District Attorney, the Attorney General, investigators, the judges – both state and Federal, the Federal attorneys, the IRS, and the FBI. The thought is willful ignorance, incompetence and corruption - they took a bribe.

Escrow officers/managers know wrap-around mortgages are illegal and unethical. Title officers/managers know wrap-around mortgages are illegal and unethical. Loan/Note Servicers, like local Evergreen, know wrap-around mortgages are illegal and unethical. Real estate agents know wrap-around mortgages are illegal and unethical. Loan officers/managers know wrap-a-round mortgages are illegal and unethical. The Real Estate Division and Mortgage Lending Division know wrap-around mortgages are illegal and unethical. TMCC real estate instructor and lawyer Ben C. Scheible knows wrap-around mortgages are illegal and unethical. Real estate instructors and lawyers know wrap-around mortgages are illegal and unethical. Accountants and tax preparers know wrap-around mortgages are illegal and unethical. Investigators know wrap--round mortgages are illegal and unethical. Law enforcement knows wrap-around mortgages are illegal and unethical. Yet, too many either do wrap-around mortgages, are involved in or with them (criminal conspiracy - RICO), and/or teach them.

Not everything Remcor taught was/is illegal and unethical. Another idea Remcor taught was to always file your own Prophylactic Deed of Trust against your property(s). Their reasons for doing so were two. One was to prevent a version of Identity Theft where the fraudster sold or refinanced your real property out from under you. By filing your Prophylactic Deed of Trust that means that escrow would send you its Beneficiary Statement when a conveyance or refinance was happening. That is a very big and important notification if a conveyance or refinance was happening if you hadn’t known of and approved of either. Conveyance includes these fraudulent foreclosure notices written here about, these notices from a party with no authority to foreclose.

Title/escrow knew about these and once a Prophylactic Deed of Trust was identified as a Prophylactic Deed of Trust, title/escrow just routinely required the Prophylactic Deed of Trust be removed at close of escrow. So Prophylactic Deed of Trust’s Deed of Reconveyance was routinely filed with the other Deed of Reconveyances, followed by the new Deed(s) of Trust, often including a new Prophylactic Deed of Trust.

The other version was/is of course the illegal and unethical wrap-around mortgage. An illegal and unethical wrap-around mortgage is a Deed of Trust masquerading as a legal and ethical Prophylactic Deed of Trust.

This illegal and unethical wrap-around mortgage’s Deed of Trust masquerading as a Prophylactic Deed of Trust is being aggressively taught by Remcor to real estate agents, escrow officers/managers, title officers/managers, lawyers, investigators, judges, accountants, tax preparers, and law enforcement.

Wrap-around mortgages are the center piece of Remcor’s strategy in this down market where 85 to 90% of the MLS is properties either in foreclosure or bank owned. Remcor relentlessly pursues other real estate offices to teach this. They have a network of existing co-conspirators they are always looking to aggressively expand. Their hook is money. Title, escrow, lawyers, real estate agents, loan officers, appraisers, accountants, tax preparers, and sellers all get paid off this wrap-around mortgages when so many aren’t since this collapse.

Don’t think the mortgage and real estate fraud has gone away because the housing market collapsed. On the contrary. Remcor Realty, among too many others, is always aggressively seeking and proselytizing newer and better fraud in the desperate pursuit of money in bad times, and more money for the greedy sake of money in good times.

My Broker says our Code of Ethics prohibits us from doing anything. Oh I can blog it here under a blog name, but that’s it. I think NRS 645 and our Code of Ethics does require us as real estate agents and Realtors to turn in these fraudsters. My Broker says different. I am forced to join in with the fraud in order to survive. I am forced to participate in order to compete and make money. I am forced to keep silent with my buyers and sellers.

I am an honest & ethical Reno Realtor who is mad as hell when this site was brought to my attention. Mad not at the exposes, kudos for that, but mad at these few people in my industry that give the vast majority of us who are honest and ethical, a bad name. How in hell do I legitimately compete against what I've been reading here?

With our home values dropping a shocking 2% a month, I have found myself swallowed up by the greedy fraud leviathan. As part of that greedy fraud leviathan, yes, Remcor Realty is a company whose Broker and agents ought to be in prison for the rest of their lives, along with their co-conspirators. For years Remcor’s taught real estate classes at the real estate board. Mortgage and real estate fraud was regularly taught in these classes. This clause Allan Zane/Remcor wrote into the Hanneman’s contract, that “the lender is not to be told” is common practice. It’s known as a wrap-around mortgage. And it is illegal and unethical. Remcor, Magi Bird and Remcor’s agents proudly don’t care about illegal and unethical. They very self-satisfiedly teach “that anything goes as the odds of getting caught are slim to none, and when caught, no one does anything about it anyway.”

Something Prudential Nevada’ Realty’s Valerie Mapes, Michael Reynolds, Keith W. Gledhill, First American Title, First Centennial Title, Jenna Kay Clark, and way too many others whole-heartedly embraced and arrogantly echoed.

By “no one” Remcor Realty means the Board, MLS, the Real Estate Division, the Mortgage Lending Division, the police, the Washoe County Sheriff, the District Attorney, the Attorney General, investigators, the judges – both state and Federal, the Federal attorneys, the IRS, and the FBI. The thought is willful ignorance, incompetence and corruption - they took a bribe.

Escrow officers/managers know wrap-around mortgages are illegal and unethical. Title officers/managers know wrap-around mortgages are illegal and unethical. Loan/Note Servicers, like local Evergreen, know wrap-around mortgages are illegal and unethical. Real estate agents know wrap-around mortgages are illegal and unethical. Loan officers/managers know wrap-a-round mortgages are illegal and unethical. The Real Estate Division and Mortgage Lending Division know wrap-around mortgages are illegal and unethical. TMCC real estate instructor and lawyer Ben C. Scheible knows wrap-around mortgages are illegal and unethical. Real estate instructors and lawyers know wrap-around mortgages are illegal and unethical. Accountants and tax preparers know wrap-around mortgages are illegal and unethical. Investigators know wrap--round mortgages are illegal and unethical. Law enforcement knows wrap-around mortgages are illegal and unethical. Yet, too many either do wrap-around mortgages, are involved in or with them (criminal conspiracy - RICO), and/or teach them.

Not everything Remcor taught was/is illegal and unethical. Another idea Remcor taught was to always file your own Prophylactic Deed of Trust against your property(s). Their reasons for doing so were two. One was to prevent a version of Identity Theft where the fraudster sold or refinanced your real property out from under you. By filing your Prophylactic Deed of Trust that means that escrow would send you its Beneficiary Statement when a conveyance or refinance was happening. That is a very big and important notification if a conveyance or refinance was happening if you hadn’t known of and approved of either. Conveyance includes these fraudulent foreclosure notices written here about, these notices from a party with no authority to foreclose.

Title/escrow knew about these and once a Prophylactic Deed of Trust was identified as a Prophylactic Deed of Trust, title/escrow just routinely required the Prophylactic Deed of Trust be removed at close of escrow. So Prophylactic Deed of Trust’s Deed of Reconveyance was routinely filed with the other Deed of Reconveyances, followed by the new Deed(s) of Trust, often including a new Prophylactic Deed of Trust.

The other version was/is of course the illegal and unethical wrap-around mortgage. An illegal and unethical wrap-around mortgage is a Deed of Trust masquerading as a legal and ethical Prophylactic Deed of Trust.

This illegal and unethical wrap-around mortgage’s Deed of Trust masquerading as a Prophylactic Deed of Trust is being aggressively taught by Remcor to real estate agents, escrow officers/managers, title officers/managers, lawyers, investigators, judges, accountants, tax preparers, and law enforcement.

Wrap-around mortgages are the center piece of Remcor’s strategy in this down market where 85 to 90% of the MLS is properties either in foreclosure or bank owned. Remcor relentlessly pursues other real estate offices to teach this. They have a network of existing co-conspirators they are always looking to aggressively expand. Their hook is money. Title, escrow, lawyers, real estate agents, loan officers, appraisers, accountants, tax preparers, and sellers all get paid off this wrap-around mortgages when so many aren’t since this collapse.

Don’t think the mortgage and real estate fraud has gone away because the housing market collapsed. On the contrary. Remcor Realty, among too many others, is always aggressively seeking and proselytizing newer and better fraud in the desperate pursuit of money in bad times, and more money for the greedy sake of money in good times.

My Broker says our Code of Ethics prohibits us from doing anything. Oh I can blog it here under a blog name, but that’s it. I think NRS 645 and our Code of Ethics does require us as real estate agents and Realtors to turn in these fraudsters. My Broker says different. I am forced to join in with the fraud in order to survive. I am forced to participate in order to compete and make money. I am forced to keep silent with my buyers and sellers.

There is no longer a need for the neutron bomb. We already have something that destroys people and leaves buildings intact. It's called the team of Realtor and Loan Officer and State Real Estate Division

A rising tide covered these sins at the time they were being committed. The falling tide reveals them in all their filth. Sins of the Realtor, sins of the IRS, sins of the Real Estate Division, sins of the IRS, sins of the police, sins of the Attorney General, sins of the Board of Realtors.

reply

This behavior IS Domestic Terrorism. Look now at the results of it!

I believe mortgage fraud and real estate fraud are forms of domestic terrorism. I also believe the call is way long overdue for a return to American pragmatism in economic policy to use government to represent the interests of the future to the present. The public sector via laws must continue to be actively used to support and strengthen the private sector. I don’t think we need any new laws nor do I believe that different laws would have avoided the Housing Bust. What was needed to avoid the Housing Bust, and wasn’t done, was the enforcement of what was, and remains, already in the law! *

The Housing Bust was from the mortgage fraudsters willfully acting with reckless disregard of the truth, law or the consequences of their actions. Those fraudsters were home loan lenders, lender’s managers, loan officers, loan processors, loan underwriters, Realtors, escrow officers, escrow company managers, title officers, title companies and their managers, mortgage brokers, appraisers, the FBI, State Attorney Generals, State Real Estate Divisions, State Mortgage Divisions, County District Attorneys, local police and sheriffs, and the National and local Association of Realtors as they all failed to follow or enforce the existing rules, laws and Codes of Ethics.

The why for the lenders not doing the required Note Modifications remains home loan lender greed resulting in the home loan lender’s tradeoff of their short-term profits from their loan origination fees in relationship to future foreclosures directly resulting from those past short-term profits. A sale generates immediate profits o the lender in the buyer’s loan(s). Moreover, those lender profits are an enormous amount in immediate fees per home loan.

The required Note Modification does not generate those type of fees to the lender. That is why the proposal to refinance into a government backed, insured or subsidized loan is untenable and unconscionable. It is swaggering jargon that confirms lender smallness and arrogance in their thinking. It is more houses of cards, and smoke and mirrors. A Short Sale or a refinance does NOT benefit the borrower. NEITHER benefits the American taxpayers. NEITHER benefits the American economy. A Short Sale and a refinance ONLY benefit the home loan lenders. Short Sales and refinanced strong-armed into by the lender are strong evidence for MORE Bait & Switch home loan practices. Are decent people really that easy to manipulate?

The point is that lenders have already approved millions of Short Sales. Lenders used these Short Sales to deliberately drive Americans out of their homes knowing they would be future homebuyers with future home loans. Lenders created the problem and created for themselves future profits. It was draconian. The required Note Modification would have avoided that. Lenders are already approving a reduction in principal aka loan forgiveness in these Short Sales. They can do as I pointed out, the same required loan forgiveness and interest rate reduction in the required Note Modification. Then the homeowner remains in their home.

Existing laws including but not limited to:

• mortgage fraud under Title 18, United States Code, Section 1014 ,

• Mail Fraud, Bank Fraud, Wire Fraud, Conspiracy, including RICO, and Money Laundering,

• Realtors’ Code of Ethics,

• Freddie Mac , Fannie Mae and HUD loan underwriting rules,

• Corruption,

• Intimidation and threatening witnesses,

• in Nevada: NRS 645, NAC 645

Is you Realtor a Patriot or a Terrorist? Is Your Lender A Patriot Or Terrorist? http://reno.broowaha.com/article.php?id=3462

:-) Morgana
http://www.broowaha.com/profile.php?id=2434

Spam made me think this morning.

The subject line read: "Hot Mature Cheerleaders!" Here's where the thinking occurred: what exactly is a "mature cheerleader"? Once out of college, there isn't much of a cheerleader market in this world. Most students graduate by age 22 (we are tacitly dismissing the possibility of graduate/post-graduate cheerleaders). Allowing time for making up failed classes, unplanned pregnancies, substance abuse problems, bereavement of dead relatives/roommates, we would expect over 99% of cheerleaders to be out of school by 26. Compared to a 6th grader, 26 may indeed be mature, however, I doubt the originators of that email had such a juxtaposition in mind when they developed their randy tag line. In any event, in the big picture, I hasten to call 26 mature. Which brings us back to the original question.

Of course, there is a professional market for cheerleaders in such arenas as professional sports and used car lot promotion, but these cheerleaders are lucky to have their GEDs, let alone a college degree. Most are simply strippers either killing time until their shift starts, or waiting for their crystal meth to wear off (or both). In other words, they are not older than college age. In fact, since most of them will be dead, pregnant or in prison by the time they reach 24, we would expect the mean age of this professional cheerleader demographic to be between 20 and 21. But perhaps here we may find a clue as to what exactly constitutes a "mature cheerleader".

The "mature cheerleader" is a creature of fiction, not of the real world as we know it. The mature cheerleader is simply a recycled porn thespian or stripper in a Halloween costume reinventing her career after her fourth divorce. She does a little hoochie-coochie dance for fifteen minutes in an aluminum siding warehouse in Chatsworth, then stops being a mature cheerleader. Put another way, the mature cheerleader is a lie! Just another vicious lie in my bloated inbox.

Just like the lie about the Professional Ethical Realtor, or lawyer, or judge.

El G

My real estate agent was always smiling. I didn't think anybody could have that many teeth without being a barracuda.

This is another example of a psychopath, which most Realtors strike me as anyway. Psychopath defined: A person with a personality disorder indicated by a pattern of lying, exploitiveness, heedlessness, arrogance, sexual promiscuity, low self-control, and lack of empathy and remorse. Such an individual may be especially prone to violent and criminal offenses. Psychopaths tend to be lacking in what is considered conscience, are unable to form emotional attachments (even to friends or family), are quite impulsive, and are only self-interested. There is also considerable debate about whether this group can be changed.Unconcerned about the adverse consequences for others of one's actions. Has zero empathy as is to identify with another's feelings. Empathy is to emotionally put yourself in the place of another. The ability to empathize is directly dependent on your ability to feel your own feelings and identify them which guys like this want can't do. Empathy is the ability to recognize the sentience and suffering in another being. Empathy is the basis of high-level altruism that does not depend on the barter principle. Without empathy, there can be no compassion. Compassion is a whole system of skills and understanding learned and practiced, that manifests a high attainment of the human mind. Compassion is the sustained intention to seek the good of others and is characterized by empathy, patience, tolerance, understanding and gentle concern.

Maryam, groovy, I agree with you totally.

I'll always give you the benefit of the doubt. If I didn't, what does that say about me and my ethics? Craig B

http://reno.broowaha.com/profile.php?id=1516 and http://groovystuff.ning.com/profile/CraigBerkeley

My experience is with real estate agents in California and Nevada. Here’s what real estate agents I, my family, friends and coworkers have known and read about have convinced me and us of.

All real estate agents are ONLY sales people. The vast majority of real estate agents are lacking in manners. All real estate agents are failures at agency and fiduciary duties. All real estate agents are GROSSLY under-regulated. All real estate agents are grossly NOT held accountable for what little they are regulated for. All real estate agents are more often than not, practicing law without a law license in real property law, landlord-tenant law, contract law, homeowners associations’ law, and contracting law. All real estate agents are practicing in other areas such as taxes, accounting, finance, contracts, economics, construction, permits, contracting, education, loans, fire & liability insurance, engineering, civil rights, urban planning, landlord-tenant issues, finance, escrow, title insurance, homeowners associations, and politics they have little and certainly NOT enough expertise in. All real estate agents are GROSSLY overpaid. All real estate agents do not pay their fair share of income taxes. All real estate agents do not pay their fair share of business license fees. That is at the city, county and state level. All real estate agents and their managers should have at minimum, a Bachelors Degree in Real Estate.

All Escrow Officers and their managers should have at minimum, a Bachelors Degree in Business with an Escrow Major.

All Loan Officers, Home Mortgage Consultants, whatever they choose to call themselves, and their managers should have at minimum, a Bachelors Degree in Finance.

All Real Property Title Officers and their managers should have at minimum, a Bachelors Degree in Business with a Real Estate Major.

All State Division or Department of Real Estate investigators, staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All State Division or Department of Insurance investigators, staff, and administrators should have at minimum, a Bachelors Degree in Real Estate with an Escrow Minor.

All State Division or Department of Mortgage Lending investigators, staff, and administrators should have at minimum, a Bachelors Degree in Real Estate with a Finance Minor.

All State Attorney Generals and Deputy Attorney Generals, should have along with their minimum of a law degree, also have a Bachelors Degree in Real Estate with an Escrow Minor.

All Board of Realtors staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All MLS staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All educators who teach real estate either in the public or private sector should have at minimum, a Bachelors Degree in Real Estate.

All educators who teach escrow either in the public or private sector should have a Bachelors Degree in Real Estate with an Escrow Minor.

Maryam

Allan, you’re correct, the real estate agents are exactly that, sales people. And bad sales people at that. They act as order takers. Anything else is to be practicing law without a license when they get into all the other stuff they do. The flip side, though, is that most lawyers don’t really know real estate.

A perfect example of that is the so-called real estate professor at TMCC who is a lawyer with NO real estate degree and escrow degree. Even worse, read my story in this link about his ethics. “Cause Scheible is acting more like a sales person, and an unethical one, that an ethical lawyer.

Zeroes Among Us, Scheible, http://reno.broowaha.com/article.php?id=3372

I'll always give you the benefit of the doubt. If I didn't, what does that say about me and my ethics? Craig B

http://reno.broowaha.com/profile.php?id=1516 and http://groovystuff.ning.com/profile/CraigBerkeley

That’s a good and fair question. I now think it’s because a Real Estate Degree it is too high of a bar for the vast majority of Realtors to meet. I think the Real Estate Degree should be a Bachelors’ Degree and I agree that all real estate agents should be required to first have a Bachelors’ Degree in Real Estate before getting any sort of real estate license.
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I don't think realtors should necessarily have a degree, but I do think the scope of their work needs to be seriously restricted. The idea that realtors can act as though they're some sort of financial advisor, economic expert, or real estate lawyer is ridiculous. Realtors are sales people. That's it. Sure, they pick up some domain knowledge dealing with real estate all day, but if you think you're getting more than a sales person, primarily, you're being misled. I think realtors should have strict ethical codes about what they're allowed to advise clients on that doesn't allow them do go beyond sales.
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Alan S.
San Francisco DUI lawyer

MAINTAINING A PATTERN OF ILLEGAL BUSINESS PRACTICES in Nevada

Per NRS 598.0903, et seq http://leg.state.nv.us/NRS/NRS-598.html and Prudential Nevada Realty and Valerie Mapes have maintained a pattern of illegal business practices, mortgage fraud, in violation of Nevada's consumer protection laws.

State of Nevada Office of the Attorney General fax # (775) 684-1170
Bureau of Consumer Protection
100 North Carson Street
Carson City, Nevada 89701

I'll always give you the benefit of the doubt. If I didn't, what does that say about me and my ethics? Craig B

http://reno.broowaha.com/profile.php?id=1516 and http://groovystuff.ning.com/profile/CraigBerkeley

The blog world is NOT a relatively powerless echo chamber.

Internet-based liberal activist’s have outed the identities of the villains and traitors. Craig’s stories reach because there are clear distinctions between good and evil. In our so-loved entertainment culture, these type of powerful stories are what sustains citizen involvement. The postings of this outrage and the compiling up of rap sheets broke the stillness and reinforces the narrative. The Internet hum of discontent is growing. The wave crows until it crashes into the national consciousness.

Craig’s exposes are on-going soap-operas, narrative, entertainment of the highest order. Nothing more American than that.

I myself have been exploring mediums as I find my voice. I have been derisively attacked as an amateur, code word for not a gatekeeper. I have been told I have a stupid opinion or an opinion I should keep to myself, in other words, to stop complaining. Well, I am not going to “stop complaining.” In fact, I will continue to make my voice seen and heard. @ you gatekeepers: I will either bypass, crush or influence you.

When my enemies began to notice m and to attack me, then I have arrived. I feed their backlash.

The comfortable and established are more invested in holding their perceived positions of privilege than in risking new ways of writing, thinking, innovating, exploring, and governing. Hence, we have been cursed with a system that doesn’t always reward the greatest talents, truth or ethics. Instead of meritocracy, we’ve had more of an economic and political aristocracy. No more. I can fact check, break stories and feed stories,

Technology has allowed all that. The Internet is educating the ignorant. The result is democratization. The vast choices of communication on the Internet means more and more people are increasingly becoming active participants in their culture.

Instead of complaining about the self-entitled corporate flavor of music, films or even politics, we are making our own music, films and politics. Without asking anyone’s permission, we have bypassed the gatekeepers and boy are they po’d about that. So, they fight back to remain the self-perceived elite. They’ve lost. They’ve lost because bloggers exert a disproportionate pressure on politics and in highlighting injustice.

No more will only certain kinds of people be allowed to speak up or to each other. I can be as equally belligerent as the GOP in my HATRED of the Illegal and Immoral Iraq War and my OPPOSITION to the Illegal and Immoral Iraq War supporters. I label the Illegal War supporters as un-American. I have nothing but contempt for the GOP. My zeal matches any extreme right-wing nut job. I will relentlessly mock and deride the far-right nut jobs paranoid fantasies. I am a reformist. I am a noncorporatist. I am a liberal. I am a progressive. I am an Illegal and Immoral Iraq War opponent. I am proud to be a liberal. I am a GOP’s intolerance foe. I will take every stunt from the far right nut wing jobs and apply them to my causes, including scapegoating villains de jour. I make no apologies for being liberal or an Internet-based liberal activist.

Without a hint of regret, I NO longer read with amusement the lunacy and hypocrisy of the far right wing nut jobs. At one time far right nut wing jobs made “nice copy,“ but they didn’t then and they don’t now, reflect reality. I have copied from the far right nut wig jobs and with equal to there mean-spirited vengeance, fight for my liberal beliefs. The far right nut wing jobs have been dislodged and liberals have filled in the gaps. Now I go for the gut, not the brain. I say the far right wing nut jobs are shrill and unstable. Now I use their own quotes against them, equally taunting and smearing them. The weirder and weirder the far right nut wing jobs get, the more material they are just writing for me.

Screw them.

Screw the GOP. Screw Cheaters Among Us, Homier. Screw Cheaters Among Us, Kings. Screw Cheaters Among Us, Gledhill. Screw Gun Controllers Among Us, Marin County California Courts. Screw Flip Flop Rers Among Us, James K. Olson. Screw Troop Haters Among Us, Dr. Angelini. Screw Bizarre Among Us, Realtor Newman. Screw Bri's Rapist & Murderer. Screw Zeroes Among Us, Bank Of America. Screw Contempt Among Us, Hopson. Screw Cheaters Among Us, Barry. Screw Culprits Among Us, Clark. Screw Bullies Among Us, Mapes. Screw Cheaters Among Us, Homier. Screw Outlaws Among Us, Zane. Screw Zeroes Among Us, Scheible. Screw Cheaters Among Us, Maree. Screw Cheaters Among Us, Sickler. Screw Nevada Real Estate Division.

I know I’ve paraphrased Daily Kos. I thank Daily Kos.

This ahole Realtor, this Valerie Mapes, conceitedly felt she was entitled to everything but obligated to nothing.

Shooting dead the fraudsters works for me