Center for Immigration Studies and the Arizona border

Center for Immigration Studies and the Arizona border

The trail behind of the Anti Immigrant sentiment and the rethoric language against Immigrants and political parties associated with.
This sad tragedy is a wake up call for all Arizonans and the Nation. It's time to take back Nation from the right-wing, anti-people demagogues and their corporate masters. We must demand that they stop blaming immigrants, muslims,Jews, Asians, African Americans for their failures.
we're angry at the political climate in Arizona and the that encourages these acts of terrorism. We're angry at the talk radio shows, the right-wing legislature, U.S. Senator, R-Ariz., and the elected officials who come up with one racist anti-immigrant or anti-worker bill after another. Meanwhile our schools and health care continue to rot. And we're angry with the corporate interests who own the politicians and the hate spewing radio stations.
Every event here is turning into a memorial. A press conference that had been scheduled to denounce the attacks on the 14th amendment and ethnic studies in schools was a case in point. Kat Rodriguez of the Coalición de Derechos Humanos summed it all up, "Our legislature started the year walking in hate." All the speakers pointed out that it's not only the talk shows that encourage violence but it's the governor, legislative leadership and other right-wing elected officials who have created a climate that encourages acts of violence and terrorism.

Racism climate on Immigration? Anti Immigrant said No, what about you?

Prince William County, Virginia becomes ground zero in Americas explosive battle over immigration policy when elected officials adopt a law requiring police officers to question anyone they have "probable cause" to suspect is an undocumented immigrant.

9500 Liberty reveals the startling vulnerability of a local government, targeted by national anti-immigration networks using the Internet to frighten and intimidate lawmakers and citizens. Alarmed by a climate of fear and racial division, residents form a resistance using YouTube videos and virtual town halls, setting up a real-life showdown in the seat of county government.

The devastating social and economic impact of the Immigration Resolution is felt in the lives of real people in homes and in local businesses. But the ferocious fight to adopt and then reverse this policy unfolds inside government chambers, on the streets, and on the Internet. 9500 Liberty provides a front row seat to all three battlegrounds

How could affect Immigrants the closure of 300 post offices?

The U.S. Postal Service announced this week that it is offering up to 30,000 employees a $15,000resignation bonus to leave their jobs. The initiative would cost the USPS $450 million but could save another $500 million over the next fiscal year and a possibility of a major delays on the process of delivering mail on the peak season (Christmas).

Trimming back and going lean. It's like the Richard Simmons diet, for the post office.

And this no-carb plan offers participating employees an initial payment of $10,000 in the coming October followed by $5,000 in October 2010. Desk clerks, distribution center mail handlers and clerks, and motor vehicle technicians are eligible for the resignation bonus program. And they have until September 25th 2009 to decide.

The slow economy is not the only factor that has motivated the cutting measures. With increasing online and electronic communications, the USPS has already been experiencing a steady decline in mail deliveries. That decline paired with advances in technology, automating more aspects of the postal collection and sorting process, have created the need for fewer employees. In the current year alone, mail volume has dropped 12.6 percent. And if a $2.4 billion third-quarter loss wasn't difficult enough news, the projection of $7 billion as the total year's loss gives perspective for the job eliminations.

The resignation bonus is one of several cost-lowering efforts that also involved closing 300 post offices across the country, cutting over 100 million work hours, and mandating hiring and salary freezes for top executives.

The USPS negotiated the plan with workers unions, American Postal Workers Union and the National Postal Mail Handlers Union.

The success of the plan will be telling. If it meets a positive response, it could spark a re-emergence of the USPS---perhaps a leaner, greener machine equipped to adapt to the country's changing needs. And a best-case scenario for resignation bonuses in the Post Office could serve as a catalyst for other similar incentives in other government agencies.

The Postal Service lost $2.4 billion during its third quarter and forecasts a $7 billion year-end loss, according to figures released earlier this month. The financial woes can be tied in large measure to roughly $7 billion in mandated payments to fund current and future retiree health benefits. Postal officials say they will not make the payments for future retiree benefits if it faces an expected cash shortfall next month.

The decision to offer buyouts comes amid several other cost-cutting moves. The Postal Service may close about 300 post offices across the country, mostly in dense urban areas, while selling off other expensive, but underused, retail locations. It has already cut more than 100 million work hours this year, equal to 57,000 positions. It mandated a nationwide hiring freeze and salary freeze for top executives, stopped post office construction projects and closed six regional offices.

Can we have the change you promised Mr. Obama?

It’s amazing that more people haven’t come around to it, but the Homeland Security are very threatening, at least here in California, NY, Arizona, Texas and Oregon.
I ask you, how many Americans actually carry their passports as proof of citizenship? Yet, this is what is required by the good Sheriff Arpaio, Lou Dobbs, Glen Beck and the Homeland INSecurity department; if you do not have any other picture ID documentation showing that you are a legal person in our country.
The reality is that you and I could be walking down the streets of any city minding our own business, innocent of any crime, but stopped and jailed for being or look like Mexican, Latino and not having the correct documentation showing our citizenship to the USA. This is another case of the dysfunctional and obsolete Immigration system. For millions there are no hope out there.

Jaime Mesa is the father, businessman and Woodside, Queens, resident for 43 years who was detained Aug. 13 by immigration authorities and is in danger of being deported.

"Things are looking up a little," said Jaime Mesa, referring to a temporary stay of his brother's deportation order.

"He is still in jail, but we have had a lot of support from hundreds of people who know Jorge, from friends and elected officials who have written letters or made phone calls on his behalf."

Home, of course, is not in the Colombia of his birth, but in Woodside with his fiancée, Olga Lucía Celis, a U.S. citizen, and their toddler son, Christian Enrique.

Rep. Joe Crowley (D-Queens) has written a letter to Christopher Shanahan, director of the New York field office of Immigration and Customs Enforcement, in support of Mesa.

"I am strongly appealing to you to release Mr. Mesa while his attorney continues to work his case," Crowley wrote. "He turned his life around and has never encountered a problem since he was a teenager.

"He has become a successful businessman and is the proud father of a 14-month-old child. To deport him would be a hardship for not only him but his entire family."

Held at the Monmouth Correctional Institute in Freehold, N.J., Mesa's major concern is the future of his fiancée and his son.

"My family is my great worry," he said in a telephone interview.

Mesa's predicament stems from a 1981-1983 drug-related sentence. But as Crowley pointed out, in the past 26 years Mesa has never had a problem. More importantly, Mesa has earned the love and respect of all who know him.

"In all the years I have been assisting my constituents, I have never seen such an outpouring of support from the community [like the one] on Mr. Mesa's behalf," Crowley wrote Shanahan.

Like Crowley, Christina Hall, Mesa's lawyer, is amazed at the support her client has received from hundreds of people.

"He was just given a temporary stay of deportation so the Bureau of Immigration Appeals has time to go over the paper work," Hall said. "Monday, I sent them a 30-page addendum with 30 more letters in support of my client."

City Councilman Eric Gioia (D-Queens), who is running for public advocate, is outraged at what Mesa and his family are going through.

"I really want to help him. What's happening to Mesa is heartbreaking and wrong," said Gioia, who told the Daily News he is getting in touch with Crowley and Sens. Chuck Schumer and Kirsten Gillibrand about Mesa's case. "Breaking up his family and deporting him does not do any good to anybody," Gioia added.

Gillibrand also wrote to the Department of Homeland Security requesting that Mesa be allowed to remain with his family while his appeal is pending, said Glen Caplin, her spokesman.

But it is in the dozens of e-mails that people from Woodside have sent to the Daily News where Mesa's unusual human qualities are best reflected.

"I have lived in Woodside all my life. In the past 16 years I cannot remember a time when Jorge Mesa wasn't around. My entire family has vacationed with him upstate for as long as I can remember and it would not be the same without him," said an e-mail from Jaime Fitzgerald. "He is a hardworking, kind-hearted man and Woodside would be suffering a big loss if he was deported."

Clearly this is the general feeling in Woodside. Let Mesa go home to his family and his community where he belongs.

US has barred HIV-positive travellers and potential immigrants from entering the country since 1987.

An Aug 16 rally in support of lifting all travel restrictions on HIV positive visitors to the United States took place at the Peace Arch at the Canada-US border. Canadian Martin Rooney, who was denied entry into the United States in 2007 because he is HIV positive, organized the event. “Please Mr Obama lift this ban now,” said Rooney to approximately 30 attendees. “There is no medical science to support that HIV is a contagious disease that presents a threat to public health or national security of the United States.” He said the immediate publication of new regulations removing remaining travel restrictions would be “an enormous step forward” in treating HIV positive people with the dignity they deserve.”Former US president George W Bush lifted an outright ban in 2008, but HIV positive visitors are still required to submit a waiver before entering the United States. On World AIDS Day 2006, Bush instructed the secretary of homeland security to “initiate a rulemaking that would propose a categorical waiver for HIV-positive people seeking to enter the United States on short-term visas.”At the time, AIDS activists were cautiously optimistic but wary about what shape the new rules would take.The US has barred HIV-positive travellers and potential immigrants from entering the country since 1987. Congress codified this policy in 1993, as part of the Immigration and Nationality Act (INA), meaning it would take an act of Congress to reverse the ban completely.Under the new rules, waiver applicants would have to agree to give up the ability to apply for a change in status while in the US, including applying for legal permanent residence.Applicants would also have to travel with all of their HIV meds needed during the trip, prove they have medical insurance accepted in the US, and prove they won’t engage in behaviour that might put the American public at risk.David Parsons, who enjoys travelling to Seattle to watch professional sports, spoke about his experience with the new waivers. “Once you figure out the process, it takes maybe five days to get [the waiver],” he said. “It’s pretty easy and it costs $135. It’s not the best but it’s an improvement. You just go to an American consulate website and click on visa and you just follow the instructions from there.”But Rooney opposes the waiver on principle.“If I have a contagious disease of significant public threat to the United States and its people then $135 US doesn’t make me any less of a threat,” he said. “So on those grounds alone I will not apply for the United States waiver.”The restrictions, according to many rally attendees, serve as a reminder of the stigma faced by people living with HIV and AIDS. Sonia Marino, who works for an AIDS service organization, says she knows many people who face discrimination at the border due to their perceived HIV status.

Continue reading here: http://www.xtra.ca/public/Vancouver/Please_Mr_Obama_lift_this_ban_now_Rooney-7372.aspx

Wells Fargo reported 52 percent net income. I wonder why?

Wells Fargo & Co. reported a 52 percent jump in net income as it reaped quick rewards from its acquisition of Wachovia Corp., but the San Francisco bank also boosted credit reserves in anticipation of mounting loan losses in the months ahead. Are you wonder why too. right? Well, 'Boy, we're glad we had this economic crisis?.

The company said Wednesday that first-quarter net income reached a record $3.05 billion (56 cents per share), in line with the preliminary results announced two weeks ago that sent the stock soaring and fueled a broader Wall Street rally. Wells Fargo earned nearly $2 billion in the year-ago period (60 cents per share), before it picked up its wobbling Charlotte, N.C., competitor on the cheap, for about $13 billion in late December.

How to educate someone as bigotry like Lou Dobbs?

Well, Lou you are on my agenda for Immigration and History classes because you won't change you uneducated language and your Anti Journalism.

Clarissa Martinez De Castro, director of immigration and national campaigns for the National Council of La Raza, says that money inspires the anti-immigration rhetoric of talk radio hosts and CNN’s Lou Dobbs. She took part in a panel discussion at an Anti-Defamation League (ADL) conference in Washington, D.C. on Monday.

The thing about Lou Dobbs is you can’t educate somebody like Lou Dobbs,” Martinez said. “Because what guys like Lou Dobbs does, or what he did at some point, at this point, I’m not sure if he’s lost it completely. Continue reading here:

EPA selects 50 polluted sites for stimulus money.

Fifty of the country's most polluted and hazardous waste sites have been picked by federal environmental officials to receive a half-billion dollars of stimulus money.

The sites in 28 states were contaminated years ago by mining waste, lead smelters, and chemical releases. At half of the sites, cleanup stalled when the Environmental Protection Agency ran short of money. Continue reading here: http://news.lp.findlaw.com/ap_stories/a/w/1152/04-15-2009/20090415090506_14.html

Illegals Immigrants draining social services? A lie or a Lie.!!

There is no such as Illegal Immigrant either someone as undocumented Immigrant caugh draining or commited any fraud against any social services. Why continue blaming them for God sake. This is the main problem in America. Some have eyes but cannot see," "Some have tongues but cannot speak the truth. They have ears but can't hear. That's where the problem is".

According to their 2008 SEC filings, the largest hospital chain in the U.S., the Hospital Corporation of America (HCA) - founded by the family of former Senator and Majority Leader Bill Frist; After his Senate career, Frist became a partner with health-care investment firm, and chairman of a nonprofit (????) charitable (???) foundation focusing on Global health initiatives and Education issues- reports that in 2008 about 49% of their revenues and 59% of their hospital admissions were Medicare and Medicaid "related." In 2007, HCA reported revenues of $26.9 billion, approximately $16 billion of which was paid for by American taxpayers.

What most people may not know is that HCA plead guilty to 14 felonies and was hit with a $1.7 billion fine – far and away the largest such fine in history - for Medicare fraud. These fines, it seems, were a minor bump in the road for HCA, on their way to grabbing hundreds of billions of American taxpayer dollars in the years to come. Doctors and hospitals reap the financial benefit of surgeries, whether they are warranted or not. American taxpayers, both in terms of Medicare/Medicaid payouts and higher insurance premiums, pay the real price. Source



A former Oklahoma pharmacist faces up to five years in prison on a federal fraud charge for making a false claim to Medicaid.

Sentencing for Gary Wayne Nichols, 33, is expected in the next 60 days, said Bob Troester, spokesman for the U.S. attorney’s office in Oklahoma City.
Nichols was charged in September with one count of making a false claim, and pleaded guilty to the felony in November. As part of a plea deal, he’s agreed to pay $180,000 in restitution, said his attorney, Jean Paul Bradshaw.
Bradshaw said his client wants to take responsibility for his actions.
"He’s a very hard-working guy who got caught up in what he was doing and made some mistakes,” he said. "He’s sorry for what he did and is trying to make amends.”

Billed Medicaid $339,436 for prescriptions for nursing home patients that were not prescribed or filled.

Bought $100,000 in drugs for $25,000 in the parking lot of one of his pharmacies and tried to use the drugs to fraudulently get a refund from a drug company. They belonged to a tribal health clinic.

Man had six pharmaciesT

he case stems from a 2006 investigation by the state Board of Pharmacy and the state attorney general’s office that resulted in Nichols losing his pharmacist license.
He was licensed in 2001 and had been owner or part owner of six pharmacies in Moore, Oklahoma City, Altus, Guthrie, Allen and Lexington.
John Foust, executive director of the Board of Pharmacy, said Nichols’ case is one of the larger fraud cases investigated by his office.
Nichols lost his license and was fined $11,000 by the board.

Why are we remained Silent against Hate crimes?.

Cape Verdean community mourns several People killed by Racial Hatred
Brutal Racial Murders in Brockton, Massachusetts

More than 50 mourners were at St. Edith Stein Church in Brockton this morning for the funeral Mass for Arlindo Goncalves, a 72-year-old city man who was shot to death last week during a killing spree that authorities said was motivated by racism,

Arlindo Goncalves, Cape Verdean Musician Killed, 72 years - Played Trumpet and Piano Keyboard on the Street.
Selma Goncalves, 20, was killed January 21, 2009 by an attacker in her Brockton apartment


Loving Father, Husband and Friend.

"Always a Happy Man, 72 years, Always a Lover of Music".
A Racial Murder Spree - Murderer also killed a Creole Woman.
Determined to kill as many non Whites as Possible.
I guess Cape Verdeans can be called Iberics or Hispanics because they speak Portuguese, so they speak a Latin derived language and can also be called Latinos.

Hispanic or Iberic Creole from Cape Verde ( Portuguese ) killed by Brutal Racist

More than 50 mourners were at St. Edith Stein Church in Brockton this morning for the funeral Mass for Arlindo Goncalves, a 72-year-old

Today our worst fear was realized.

Towards our leaders and institutions; they are naive beyond belief. Although being used, abused and oh so confused by their so-called leaders, big media and this one-sided economic system; they keep on chuging along still wanting to believe in the american dream they are sold every minute, every day. There's a Hope Program, no guidelines, no one has been aproved because there is no guidelines, No one, Zero, Nada; there is no hope, there is no help from Mortgages, Lenders, Goverment Agencies for a responsible homeowners. Ohhh yeah but they can used our taxpayer money to bail out big Corporations, Banks, Car dealerships without helping people for who has been used and abused?. Enough is enough.!!!!!

The real whiners are that 10% of happy few replutocrats and their 90% + of the whole shabang. They are the ones we are bailing out. They are the ones constantly lobbying & amp; begging for more deregulation & tax cuts. They are the welfare corporations slaughtering US's middle class and making them feel guilty about it too… But know who should be accountable for responsible homeowners losing their homes, their jobs, the increased foods prices, Gas prices and the SALARIES GOING DOWN? Anybody said me.........Many mental-health crisis and suicide hotlines are reporting a surge in calls from Americans feeling despair over financial losses.

The escalating pace of unemployment and foreclosures rising fears among some homeowners about keeping up with their mortgages are creating a range of emotional problems. People are seeing more drinking, domestic violence and marital problems linked to Economic crisis concerns ? as well as children trying to cope with extreme anxiety when their families are forced to move. They're depressed, anxious. It's affected marriages, relationships. Sixty-one percent in the West Coast identify housing costs, such as rent or mortgage payments, as significant sources of stress.

Then Yesterday around 8.30 am were a sad event all over the news: Los Angeles man kills wife, 5 children, himself.
It's hard to understand the suicide; I do not want to judge anybody because is not on my hands to do so but my Family prayers are for the all Lupoe Family.

At the bottom of the letter, Lupoe wrote,

They did nothing to the manager who stated such and did not attempt to assist us in the matter, knowing we have no job and five children under 8 years with no place to go. So here we are.

"Oh lord, my God, is there no hope for a widow's son?" Continue reading here: Source

Today's bible verse is" 14 The LORD upholds all who fall,
And raises up all who are bowed down.
15 The eyes of all look expectantly to You,
And You give them their food in due season.
16 You open Your hand
And satisfy the desire of every living thing.

17 The LORD is righteous in all His ways,
Gracious in all His works.
18 The LORD is near to all who call upon Him,
To all who call upon Him in truth.
19 He will fulfill the desire of those who fear Him;
He also will hear their cry and save them.
20 The LORD preserves all who love Him,
But all the wicked He will destroy.
21 My mouth shall speak the praise of the LORD,
And all flesh shall bless His holy name
Forever and ever."(Psalm 145 : 14 - 21

California will recover 112 million for Medi Cal Program fraud.

Attorney General Edmund G. Brown Jr. today announced that California will recover $112 million for its Medi-Cal program as part of a national settlement with Eli Lilly and Company for the unlawful off-label marketing of its anti-psychotic drug Zyprexa, which the company aggressively marketed for such unapproved uses such as treatment for depression, anxiety, irritability, disrupted sleep, nausea and gambling.

“This settlement means that Eli Lilly can no longer reap massive profits by aggressively marketing this drug for unapproved uses at the expense of state health care programs for seniors and the infirm,” Attorney General Brown said. “California’s Medi-Cal program will receive almost $112 million, which is more than welcome at a time when the state faces massive budget deficits.”

Eighteen percent of the $112 million recovered for the Medi-Cal program will go to relators (whistleblowers) – the remainder will be split between the State, which will receive $54 million and the federal government, which will receive $41 million.

Beginning in 2001, Eli Lilly launched a marketing campaign called “Viva Zyprexa!” which encouraged physicians to prescribe Zyprexa for children, adolescents, and dementia patients.

In October 2008, the California Attorney General entered a settlement with Eli Lilly over the Zyprexa marketing campaign. In his original complaint, Attorney General Brown alleged that Eli Lilly engaged in unfair and deceptive practices when it marketed Zyprexa for off-label uses and failed to adequately disclose the drug’s potential side effects (including diabetes and hyperglycemia) to healthcare providers.

Under this settlement, Eli Lilly agreed to change its marketing practices and to cease promotion of its off-label uses. Off-label uses are those not approved by the FDA when it approves the sale and use of a particular drug. Physicians are allowed to prescribe drugs for off-label uses, but federal law prohibits pharmaceutical manufacturers from marketing products for off-label uses.

The total settlement is $1.415 billion—the largest recovery in a health care fraud investigation in U.S. history. The settlement includes $800 million in civil damages to be paid to the States and $615 million as a result of criminal charges brought against the company for illegal marketing.

Although both California and the U.S. contribute 50% to the funding of the Medi-Cal program, California’s share is larger than the federal share due to the federal Deficit Reduction Act, which provides monetary incentives to states to use False Claims Acts to pursue Medicaid fraud.

Patriot Act. U.S. Citizen Jailed without evidence.

.

The story of one US Citizen who was wrongfully detained without charges and later sentenced to jail without evidence. It is just one of the many examples of scapegoats produced by the ideological-hatred, indifference and incompetence reflected in both the 'under-the-table' Congressional agendas and the Bush Administration's controversial Patriot Act.

Law is the Law but where are the American Values? Morals? Dignity?.

This is an outrageous action against Hispanic, latinos just for his Irrational and Inmoral values of Joe Arpaio for Political and personal power. That's just Ashamed to see this Happen in America. The land of the BRAVE and the home of the FREE? Takes real courage to leave two innocent, scared, crying children behind while taking away their mother. This is the Change we want for us as Americans? This is the way foreigners want to perceive as Americans? Heartless?, Uncompassionate for others?.

Two young children were separated from their mother, Ciria Lopez, in Maricopa County, Arizona earlier this week when she was arrested for an unpaid traffic ticket. The arrest was the result of an immigrant suppression sweep by Sheriff Joe Arpaio, who gained infamy for reinstating chain gang labor and dressing predominately Latino inmates at his county jail in pink underwear, pink handcuffs, and striped jumpsuits.

Salvador Reza, a local community organizer, captured video of the arrest and the reaction of Mrs. Lopez's frightened children. The video below was featured this morning on The Board, a blog shared by editorial writers at The New York Times. Mrs. Lopez's children are staying with her niece while Mrs. Lopez remains in custody.
Ciria Lopez appeared in court today, facing fines for an unpaid traffic ticket from 2006. Judge James Mapp cleared Mrs. Lopez of all municipal charged after the ticket was paid. Sheriff Arpaio continues to hold Mrs. Lopez under his 287(g) agreement with Immigration and Customs Enforcement (ICE).
Despite criticism from Amnesty International, the American Civil Liberties Union, the Arizona Ecumenical Council, and the Anti-Defamation League, The Fox Reality Channel offered Sheriff Arpaio a reality TV show entitled, "Smile, You're Under Arrest." The show centers around elaborate sting operations run by Sheriff Arpaio to capture people wanted on outstanding warrants.
According to the East Valley Tribune, the focus on immigration enforcement has negatively affected other areas of law enforcement in Maricopa County. Response time to 911 calls has increased, arrest rates have dropped, and overtime costs related to immigration enforcement ran up a $1.3 million deficit over the final three months of 2008.

Lenders and Banks ignoring the responsible Homeowners.

Need help from your bank before you're forced to default? Good luck with that. Conventional wisdom may tell homeowners who can see financial trouble approaching to reach out for help as soon as possible. But most borrowers trying to follow that advice are finding they can't get their bankers to discuss the options — including loan modifications — until they've missed payments.
"It is extremely difficult for any consumer who is not delinquent to even find someone to talk with at their lender," says Michele Johnson. "The consumer who is really being proactive and trying to do the right thing faces challenges that are unexpected."
A harsh reality Marvin Webb, pastor of the Bethlehem Missionary Baptist Church in Richmond, Calif., called his bank nearly two months ago to say that although his credit is good and he's current in his payments, he can see financial trouble coming. "They said they were looking for a loan they could put me in, something good. But they never got back to me," Webb says.
He called back recently. "I told them what they told me, and they still didn't have anything to say. You know, they take your number and (say) 'We'll call you back.'"

Logic suggests banks should help struggling homeowners early, renegotiating loans to avoid even-more-costly foreclosure. Ben Windust, Wells Fargo senior vice president for customer and default operations, says, "We can always work with any borrower who is having any kind of financial difficulty," even before a loan is in default. But those who work with homeowners say that, mostly, that's not happening.

"One of the really unfortunate contradictions of this crisis is that it's only when people have ruined their credit that they can get even a response from their bank," says Adam Kruggel, director of the Contra Costa Interfaith Supporting Community Organization. Part of the problem is banks are overwhelmed by the flood of people who cannot make payments. And that leaves plenty of struggling but still-current borrowers "hanging on and sometimes they are making enormous sacrifices; in some cases they are draining their entire life savings" to keep up their mortgage payments, he says.

Sean Woods was one of them. At this time last year, he was a mortgage broker in Goodyear, Ariz., an expensive suburb of Phoenix. He was earning about $12,000 a month, he says, so payments of roughly $4,500 a month on two loans for his family's home in a golf-course community seemed manageable.
Then, in February, Woods received what turned out to be his last mortgage commission payment. Record home prices in the Phoenix area had encouraged overbuilding, so prices were falling and sales were slowing. "I saw the writing on the wall," he says.
In late spring, he called Washington Mutual to say that although he was current in his payments, he was struggling. He was running through savings and using credit-card cash advances to make his home payments.
He asked to talk to the bank's loss-mitigation department. Typically, when you punch your loan number into the bank's phone system, you are routed to the bank's customer service or collection department, depending on whether your payments are current or overdue.
A collections officer's job is to recoup past-due payments and set up repayment plans allowing a homeowner to make full, regular payments plus a portion of the delinquency in order to catch up. But negotiating a lower interest rate or reduction in the loan principal is usually beyond the authority of the collection department, says Azucena Valladolid, chief operating officer at Consumer Credit Counseling Service of Nevada and Utah.

Woods says he told his bank, "I'm making the payments, but it won't be long before trouble will be upon me, before I start missing payments."
Loss mitigation basically told me, 'This loan is performing. You haven't missed a payment.' Basically (they said), 'Call us when you start missing payments.'"

In July his check bounced and his mortgage went into default. He got financial counseling and the bank offered a tentative modification offer.By then, though, he'd begun to question the value of a bank modification. What was the sense in committing to a plan without an income to support it? Shouldn't he just focus on getting work?
The big picture Like the troubled loans they are meant to fix, modification plans can include complex loan features: interest-only periods that reset in a few years, gradually increasing payments, or complicated formulas for sharing appreciation or equity. Some simply stretch the loan over 40 years reducing the payment amounts but increasing the total loan cost.

Woods, sadder but wiser, is keeping his options open. "I'm one of those homeowners that's troubled but also accepts the responsibility for signing these documents and getting into this situation myself," he says.

Today, his $597,500 home is worth about $435,000. "I paid over $100,000 in just payments for this home in the last two years and my principal payment may have went down $5,000. At some point, either you concede to be insane or you wise up and say it's better to walk away from this thing than continue to put money down a black hole."

Banks are making relatively few modifications. In the third quarter of 2008, only about 40,000 loans were modified — a small proportion of the millions of loans said to be in trouble. And 58% of loans modified this year were back in default within eight months, according to the Office of Comptroller of the Currency.

Rod Dubitsky, a banking industry analyst at Credit Suisse, says there's no consistent program or standard to help people who are struggling financially but who are still current on their mortgages. He says the government should analyze data from banks on modification agreements to see which modification plans are really working, then create a national program with uniform standards.
"The sad thing," Dubitsky says, "is that the message a lot of struggling 'currents' are getting is, 'Come back to us when you're delinquent.' I've heard it said that some servicers will coach the borrower to become delinquent (in order to get help)."

An unexpected rescue That's the advice friends were giving Barbara Quinn of Asheville, N.C., after she got little help when she called Ocwen, the company collecting payments on her home mortgage. She says she reached out to the servicer before her interest rate reset and added $300 to her house payment but "got bounced around from one person to another and really didn't get to talk to anyone who could talk with me."
Friends were advising her to stop making payments in order to get the bank's attention. She couldn't stomach that idea. "I was saying, 'I don't want to be in default on my mortgage,'" she says. "I'm not the kind of person to miss a payment."
Also, it scared her. What if the strategy didn't work? "Then you're out on a limb," she figured. "I was wondering, at 75 years old, what am I going to do? Live in the street?".

Take action and be proactive. If you run into a wall, call your Congress member and senators. (Find contact information here; enter your ZIP code next to "Find Your Officials" at the upper right corner of the page.) Also, grassroots activist groups work through the PICO National Network to press local, state and federal officials to take homeowners' needs into account in addressing the mortgage crisis.

The economy sank because some people over-borrowed for houses they couldn't afford, and financial institutions over-borrowed for investments they badly misjudged. Lawmakers solution is to borrow $800 billion that it cannot afford. How will adding $800 billion to the national debt (which will also raise interest rates) solve a recession created by imprudent borrowing? And who will bail out the American taxpayer when the bill comes due?

No Help for Middle class Americans. Can we get help sooner than later?.

After a year of failed efforts, Congress and the new administration are considering more aggressive measures, including a possible change to bankruptcy law. Homeowner relief could come as part of a new economic stimulus plan, a revised financial system bailout program or as a standalone measure.

So far, progress remains painfully slow. More than 3 million homes have been lost to foreclosure since the housing bubble burst. Roughly one in 10 homeowners with mortgages are either in foreclosure or more than 30 days late in payments — the highest delinquency rate on record.

Without more aggressive measures, another 8 million to 10 million foreclosures are forecast over the next four years, according to Credit Suisse. That amounts to roughly one in six households with a mortgage

It is simply mind-boggling to me that (Congress and the White House) have moved so slowly to address this issue,” said John Taylor, president of the National Community Reinvestment Coalition, which has been lobbying for foreclosure relief.

Congress and the incoming administration are taking a multipronged approach to foreclosure relief.

"Accelerating foreclosures is obviously, in my view, the huge driving problem right now,” said Elizabeth Warren, a Harvard law professor appointed by Congress to chair a panel overseeing the financial bailout. "Until we think in a more comprehensive way, we can't create solutions that will really make a difference," she told Congress last month.

Many of solutions tried so far have been stymied by the legal morass created by the modern mortgage.

In past recessions, it was not uncommon for lenders to work out more affordable terms with borrowers who had fallen on hard times. Bankers often prefer to cut their losses by lowering monthly payments and stretching them out over a longer term rather than bearing the cost of foreclosure. But the complex system of financing the recent housing boom — which was based heavily on the pooling of mortgages that were then sold to thousands of investors — has hopelessly complicated a once fairly simple renegotiation between lender and homeowner.

Multiple classes of investors, each with different claims on the same mortgage, often have conflicting interests. Some will do better with a loan foreclosure while others would profit by keeping the loan performing. Some contracts setting up these pool pay loan “servicers” — the companies that manage mortgage payments to investors — more generous payments for loans in foreclosure and offer little financial incentive to undertake the more costly process of modifying terms.

“You have got to have the investor or their representatives come to the table motivated to do something,” said Taylor. “And that’s currently what we don’t have.”
To break the logjam, Congress is considering various proposals, including both "carrots" and "sticks."

One of the "carrots" is included in a proposed revision to the $700 billion bailout of the financial industry known as the Troubled Asset Relief Program, or TARP

Foreclosure Proposals:

Brankuptcy Law:

A deal between key Democrats and Citigroup opens the door for a measure first introduced a year ago that would allow bankruptcy judges to modify the terms of first mortgages on primary residences -- the only debt excluded from the bankruptcy process.
Under the latest proposal, borrowers must contact the mortgage lender 10 days prior to filing Chapter 13 to give the parties time to work out a modification. If no offer is made by the lender, the homeowner could file Chapter 13 and the judge could then treat as unsecured debt any amount of the mortgage that exceeds the newly appraised value of the home. The judge also could reduce the interest rate and extend the maturity of the loan.

This so-called "cramdown" provision is strenuously opposed by the lending industry, which argues that the risk that a loan will later be modified will increase the cost of borrowing.

FDIC PROGRAM:

Using Troubled Assets Relief Plan funds, the Treasury would pay mortgage servicers $1,000 for every modification they make under the program. Modifications must bring a borrower’s mortgage debt-to-income ratio to 31 percent.
Mortgage servicers start by reducing interest rates before extending the maturity to up to 40 years. If those steps do not work, the servicer defers principal. That means the borrower does not pay interest on part of the loan, though he must repay the full balance when he sells or refinances the house.

Hope Program:


Approved last summer under the Housing and Economic Recovery Act, the Hope for Homeowners program has $300 billion available to refinance troubled borrowers into FHA mortgages. Legislative restrictions on the program have made it largely ineffective.
Congress is expected to eliminate many of these restrictions as part of the TARP revision, which means lenders will absorb a smaller loss if they refinance a troubled borrower into an FHA mortgage.

GSE/FHA Loan Program:

The maximum limit for Freddie Mac, Fannie Mae and FHA loans dropped to $625,500 on Jan. 1. Many Democrats, including House Financial Services Chairman Barney Frank, support restoring the maximum loan size to the prior limit of $729,750.
This would help lower interest rates on these mortgages. FHA is becoming the program of choice for first-time buyers. Higher limits also put more homes in higher cost coastal cities into play for FHA.

Tax Incentives:

Spurred by the homebuilding industry, Democrats are working on tax strategies to help with the housing crisis. These include a tax credit available to all homebuyers, not just first-timers, of $7,500 -- and perhaps more.
The mortgage interest deduction may be extended to taxpayers who don't itemize. Tax incentives may also be provided to owners who rent out vacant properties.

Lower Mortgage Rates:

So far, the Federal Reserve has led the move to lower longer-term interest rates after targeting short-term rates as low as zero percent. Congress is looking at additional efforts to push mortgage rates as low as 2.99 percent.
These measures could include providing an explicit government guarantee on mortgages issued by Freddie Mac, Fannie Mae and federal home loan banks.

Republicans Mission Accomplished?. Legacy or Minority Party?

A reflective President Bush acknowledged a number of blunders that have marred his White House years, but he told a small group of Texas reporters that he has "a great sense of accomplishment and I am going home with my head held high."

Bush mused fondly about his future life in Dallas, saying he looked forward to walking down supermarket aisles, sitting in a rocking chair with old friends and staying out of the public spotlight.

"I am looking forward to going back to Texas," the former Texas governor said. "I am going home to a place where I've got a lot of friends - people who will be my friends regardless of what happened in politics."

In a 51-minute interview in the Oval Office, the president discussed his eight years in office and admitted to missteps such as failing to pass comprehensive immigration reform, allowing the infamous "Mission Accomplished" banner to be unveiled and using incendiary language in the run-up to war.

But Bush stoutly defended his decision to wage wars in Iraq and Afghanistan following the Sept. 11, 2001, terrorist attacks that shaped his presidency. And he said his move to bail out foundering financial institutions was necessary to avoid an economic collapse worse than the Great Depression.

When Bush leaves office in a couple of days, he plans to divide his time between his Crawford, Texas, ranch and a spacious home in the exclusive Preston Hollow neighborhood in Dallas.

"Laura bought a house," he joked. "I haven't seen it yet. They say it's a beauty."

The president said he planned to write a memoir about his tumultuous presidency that will "put people in my place," as well as "give some speeches" and "spend some time on the (Southern Methodist University) campus," where his presidential library and freedom institute will be built. He said he told President-elect Barack Obama earlier this week that he'd be "more than willing" to listen if the new commander in chief had "some tasks he may want me to take on."

Before leaving office, the president said he is likely to deliver a farewell address to the nation that would include thanks, praise and discussion of lessons he has learned.

In the interview, Bush pointed to accomplishments including a series of tax cuts, two energy bills, the No Child Left Behind education legislation, expansion of Medicare to include a senior citizen prescription drug benefit and free-trade pacts.

He said he is "pleased with the progress we have made in dismantling al Qaeda." But, he acknowledged, "it's been hard to keep the American people convinced there's still a threat."

Among his political setbacks, Bush particularly regrets the failure of immigration legislation, which was killed by the Senate in 2007.

"I'm very disappointed it didn't pass," he said. "I'm very worried about the message that said Republicans are anti-immigrant."

Bush also admitted to several war-related missteps. The infamous "Mission Accomplished" banner on an aircraft carrier after U.S. troops toppled Saddam Hussein's regime in Iraq was a mistake, he said, because "it conveyed a sense of finality in the Iraqi theater." And his rhetoric, he conceded, "at times has been a little rough and over the top."

Bush says he will miss the creature comforts of the presidency - the luxury of Air Force One, the convenience of having a helicopter outside your back door and the "fantastic" service at the White House.

"I don't know what it's going to be like to wake up on the morning of the 21st of January," he acknowledged.

President Bush called for a ‘compassionate’ Republican Party and warned against the GOP becoming ‘anti-immigrant’ in one of his last interviews as president, defending his vision of the party, which has become unpopular among some Republicans And I wonder How Mr. George Bush wake up every morning thinking and doesn't know how Millions of People lost their houses, their employment, their value of their houses, their dreams, their Hope, their American faith and Values and not realized to do anything about it. Ashamed Mr. Bush and Hypocrisy is not a family value.

Are you tracing Corporate America Bailout?

No. Then just look at this link here and check for yourselves how corporate America will be Bailout and not Middle Class Americans, The people who running the economy, the peple who's always be blaming for, the people who's really suffering, The people who's paying taxes, If a business can't survive without taxpayer money they deserve to fail but Hundreds of banks and a handful of insurers and automakers have applied for funds from the Treasury Department as part of the $700 billion Troubled Asset Relief Program. The Treasury Department has transferred capital to the majority of these companies as Taxpayers expenses.

Where's accountability and responsability? Are we there yet?

If you owned the bank or Mortgage company money do you think they'd give you a break to pay an overdue bill or would they ask you to live the house and file for bankruptcy?
We need to Understand there is no such a hope, a help, a bail out for American Taxpayers, Citizens, workers, middle class americans. The sense of Hopelessness are at the tip of iceberg for Power, political purposes and Money. That's ashamed.

Vote Dream Act. A must. A survival tool.

Today begins the first day of the final round of voting at change.org to pass the Dream Act and support higher education for ALL students. The last day to cast your vote is January 15 by no later than 5:00pm ET. Change.org will present its top 10 "ideas for change" to the Obama administration on January 16th at the National Press Club in Washington, D.C.
The fact is many American students graduate from college and high school each year, and face a roadblock to their dreams: they can't drive, can't work legally, can't further their education, and can't pay taxes to contribute to the economy just because they were brought to this country illegally by their parents or lost legal status along the way.
I had attached a video from the speech of Sen. Dick Durbin D Illinios about the Dream Act and Former Republican Sen. Orrin Hatch had this to say about the situation affecting these students:
“In short, although these children have built their lives here, they have no possibility of achieving and living the American dream. What a tremendous loss for them, and what a tremendous loss to our society.”
The DREAM Act (Development, Relief, and Education for Alien Minors Act), is a bipartisan legislation that would permit these students conditional legal status and eventual citizenship granted that they meet ALL the following requirements:
--if they were brought to the United States before they turned 16, are below the age of 30, --have lived here continuously for five years, --graduated from a U.S. high school or obtained a GED --have good moral character with no criminal record and --attend college or enlist in the military.
For more on the DREAM Act and to cast your vote, visit change.org at this link.
Thanks to Lizbeth Mateo for her encourage and Maria M. the Co-Founder of DreamACTivist.org

H2A More vulnerability for Farmworkers.

The long anticipated regulation changes to slash wages and reduce worker protections under the H-2A agricultural guestworker program are out. The changes, proposed by the Department of Labor (DOL) and the Department of Homeland Security (DHS) were revealed on the DOL website late Monday evening but have not yet been officially published in the Federal Register.
The changes are horrible. At a time when the jobless rate is at a 15 year high, they reduce obligations for growers to effectively recruit U.S. workers before applying to bring in guestworkers for these jobs. They lower the wage rates for all farmworkers by changing the program's wage formula and, in an industry known for labor abuses, they eliminate or reduce government oversight.

This parting gift on behalf of the Bush Administration to our nation's farmworkers is irresponsible and completely unacceptable. The H-2A guestworker program is already rife with abuse. These changes will only make a bad program worse. That's why today, Farmworker Justice is releasing a special report, Litany of Abuses: Why more -not fewer-labor protections are needed in the H-2A program. This report explains the current protections within the program and highlights some recent court cases illustrating the harm caused to both U.S. farmworkers and guestworkers alike. We urge you to take a look at the report then act now to urge Congress to take action to stop the Bush Administration from formally issuing the regulations. There are reasonable alternatives to solve the farm labor crisis that have won bipartisan support. The Bush Administration's harmful changes are completely unnecessary.

These midnight regulations will put farmworkers in this country back more than 60 years. During this holiday season, with so many families facing overwhelming economic burdens, we must think about the people toiling to put food on our tables. They deserve fair wages and decent working conditions. Bush's legacy to farmworkers must be undone.