Tuesday, September 27, 2011

Tories aim to protect Canadians' right to fly the flag

Keeping a Canadian from flying the flag could result in a fine or two years in jail.

People actually have been prevented from flying the flag in Canada.

Last year, a couple living in a retirement community in the southwestern Ontario town of Lakeshore were told to take their flag off their garage after the homeowners' association complained that it looked “trailer trashy.”

In 2009, Canadian war veterans in Ottawa were told to take their flags off their balconies by their property managers.
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Whether it be the American stars and stripes or the Canadian maple leaf, HOAs and national flags have had a difficult co-existence. Now that the bill is about to be unfurled, watch for the Canadian community association industry to lobby to insert weasel words into the bill to allow HOAs to impose reasonable restrictions on how the flag is displayed. Otherwise, some of those lucrative frivolous lawsuits might dry up.

Albuquerque Real Estate Agent Sentenced to 56 Months in Prison for Federal Mortgage Fraud Conviction | New Mexico RealEstateRama

Albuquerque Real Estate Agent Sentenced to 56 Months in Prison for Federal Mortgage Fraud Conviction | New Mexico RealEstateRama
United States Attorney Kenneth J. Gonzales announced that, on September 13, 2011, a United States District Judge sentenced Albuquerque real estate agent Kevin Powers, 51, to a 56-month term of imprisonment for his conviction on 17 counts of wire fraud in connection with an unlawful scheme to defraud mortgage lenders and to obtain over $5.5 million in loan proceeds through false pretenses, misrepresentations, and omissions. Powers will be on supervised release for three years after he completes his prison sentence.
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I wonder if the entire residential real estate industry will make some concerted effort to rehabilitate its public image, or if the bankers, realtors, developers, lawyers, property managers, etc., will just expect all of us to trust them again and start buying at some point. You know--just brazen it out.

Las Vegas Woman Pleads Guilty in Connection with Scheme to Fraudulently Control Condominium Homeowners’ Associations | Nevada RealEstateRama

Las Vegas Woman Pleads Guilty in Connection with Scheme to Fraudulently Control Condominium Homeowners’ Associations | Nevada RealEstateRama
A Las Vegas woman pleaded guilty today for her role in a scheme to fraudulently gain control of condominium homeowners’ associations (HOA) in the Las Vegas area so that the HOAs would direct business to a certain law firm and construction company, announced Assistant Attorney General Lanny A. Breuer of the Criminal Division, Special Agent in Charge Kevin Favreau of the FBI Las Vegas Field Office, Special Agent in Charge Paul Camacho of the Internal Revenue Service-Criminal Investigation (IRS-CI), and Sheriff Doug Gillespie of the Las Vegas Metropolitan Police Department.

Marcella Triana, 35, pleaded guilty before U.S. District Judge Kent J. Dawson in the District of Nevada to one count of conspiracy to commit mail and wire fraud.

According to the plea agreement, Triana admitted that from at least as early as July 2005 until at least in or about February 2009, she participated in a scheme to control various HOA boards of directors so that the HOA boards would award the handling of construction-related lawsuits and remedial construction contracts to a law firm and construction company designated by Triana’s co-conspirators.

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And this enormous HOA fraud investigation moves along. Thanks to Shu Bartholomew for the link.

Sunday, September 25, 2011

Privatopia ad infinitum

“Our HOA is coming unglued,” Dietmar told me. “We no longer have a board. And the HOA members are not interested in coming to meetings.”

A number of HOAs have gone dormant around the Springs over the years. But Canterbury is different.

On his way out the door, the last remaining board member hired Colorado Management Services to collect dues ad infinitum (that's a fancy Greek term, I think, meaning forever and ever).

CMS collects $150 a year from each of Canterbury’s 55 homeowners. CMS uses the cash to pay the association’s taxes and mails notices of meetings that no one in Canterbury attends.
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Quite a nice arrangement for the HOA manager. No board to report to, the assessments keep rolling in, and the HOA goes on in perpetuity. Call it private government by for profit corporation.

HOA feud in DeSoto pits neighbor against neighbor

DESOTO -- It is a feud that has been going on for months in DeSoto.

It has led to one DeSoto homeowner being tased by police and other homeowners receiving threatening letters in the mail.

Some residents in the Candle Meadow Homeowners Association in Desoto believe there is money that cannot be accounted for in bank accounts and they want to know where the money has been going.
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Fiscal matters are often not as transparent as property owners in Privatopia would like, leading to very short tempers. This story raises a potential double standard with regard to how the media covers HOA governance. Would citizens demanding a municipality account for expenditures be described as engaged in a "feud?"

Saturday, September 24, 2011

Make Banks Pay California

Make Banks Pay California
During "It's Time For Wall Street Banks to Pay Week" (September 26-30 in the Bay Area & October 3-6 in Los Angeles) homeowners, community members, faith leaders and students will hold events in hard-hit neighborhoods across the state saying it’s time to make Wall Street banks pay for destroying jobs and neighborhoods with their greedy, irresponsible and predatory business practices.
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Good luck.

Self-service may be new city motto

Dialing a phone to report a pothole is so 2005.

These days, tech-savvy cities offer residents smartphone apps to document quality-of-life troubles.

If you live in San Jose, Glendale or certain parts of Los Angeles, you can point your camera phone at your neighborhood problem, snap a picture, type a description and hit send. The app forwards your GPS coordinates, along with the picture and description, to a city official who can arrange a fix.

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I imagine someone's working on an app for HOAs as well.

Friday, September 23, 2011

Prop. 13 still highly popular, poll finds - Sacramento News - Local and Breaking Sacramento News | Sacramento Bee

Prop. 13 still highly popular, poll finds - Sacramento News - Local and Breaking Sacramento News | Sacramento Bee
Even though the state is insolvent. Question: if they shut the doors on the local library, stop mowing the grass at the park, fire half the teachers at the elementary school, and lay off a bunch of cops and firefighters--then will people get the connection between property taxation and local public services? However, I agree with Jerry Brown's comment: ""Government has a lot of explaining to do to the people, and unless we can demonstrate a higher level of effectiveness, it would be very hard to get the people to give us new taxes."
Thanks to Fred Pilot for the link.

Read more: http://www.sacbee.com/2011/09/23/3932118/prop-13-still-highly-popular-poll.html#ixzz1Ymd8Rz1r

National Fine Print Repository to be a CliffsNotes for contracts - latimes.com

National Fine Print Repository to be a CliffsNotes for contracts - latimes.com
Think of the National Fine Print Repository as a sort of CliffsNotes for contracts. Users will run a search for whatever company they're doing business with. If the contract is in the database, an easy-to-understand summary of key provisions will pop up.

Hirsch said about 20 people are reading and summarizing contracts for the database — a job that must be among the most thankless in the tech world. Their explanations will be written so they can be understood by anyone with a ninth-grade reading level.

The database already contains about 2,000 contracts for banks, credit card issuers, cellphone companies and retirement accounts, Hirsch said. In the future, the scope of industries will include mortgage lenders, insurance providers, travel companies and software makers.

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What a great idea. We have become a fine print society. As Tom Waits says (at about 5:06 in this video) in his song "Step Right Up,"..."The large print giveth, and the small print taketh away."
Thanks to Fred Pilot for the link.

Obama tax plan: Survey reveals wealthiest towns where America's millionaires live | Mail Online

Obama tax plan: Survey reveals wealthiest towns where America's millionaires live | Mail Online
This is where the lash of socialism will fall when these folks have to pay taxes at the same rate as their servants.

Copyright Troll’s Assets Targeted for Seizure | Threat Level | Wired.com

Copyright Troll’s Assets Targeted for Seizure | Threat Level | Wired.com

The legal woes of Las Vegas-based copyright-trolling firm Righthaven continued Sunday when one of its creditors moved to seize its assets....Righthaven’s first client, Stephens Media of Las Vegas and operator of the Review-Journal, had invested $500,000 into the Righthaven operation last year. Righthaven’s only other client, MediaNews of Denver and the publisher of the Denver Post and 50 other newspapers, is dropping Righthaven. John Paton, the media concern’s chief executive, said it was “a dumb idea” for the nation’s second-largest newspaper chain to sign up with Righthaven, and would be terminating relations at the end of September.
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And the Las Vegas Review-Journal's deep involvement in this shabby episode is the reason why I never link to their articles, even though some of their reporters have done good work on HOA issues.

The Fundamental Flaw with HOA's | Real Estate, HOA's | The Law Office of J. Patrick Sutton :: J. Patrick Sutton Cases & Issues Blog

The Fundamental Flaw with HOA's | Real Estate, HOA's | The Law Office of J. Patrick Sutton :: J. Patrick Sutton Cases & Issues Blog
"HOA's are far too complex for your neighbors to run. That's why they don't!"
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A succinct statement of what is wrong with HOAs, from lawyer J. Patrick Sutton. Thanks to Fred Fischer for the link.

Thursday, September 22, 2011

OC Couple Threatened With $500-Per-Meeting Fines For Home Bible Study « CBS Los Angeles

OC Couple Threatened With $500-Per-Meeting Fines For Home Bible Study « CBS Los Angeles
Homeowners Chuck and Stephanie Fromm, of San Juan Capistrano, were fined $300 earlier this month for holding what city officials called “a regular gathering of more than three people”.

That type of meeting would require a conditional use permit as defined by the city, according to Pacific Justice Institute (PJI), the couple’s legal representation.

The Fromms also reportedly face subsequent fines of $500 per meeting for any further “religious gatherings” in their home, according to PJI.

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This is San Juan Capistrano in Orange County, CA, where HOAs and condo associations are everywhere. It is ironic, though, because this city was founded as a mission by Father Junipero Serra.

Wednesday, September 21, 2011

Calitics:: Help Save Public Libraries from the Privatization Beast

Calitics:: Help Save Public Libraries from the Privatization Beast
Currently, Library Systems and Services (LSSI) is the only private company that offers turnkey private library management in the United States and is often the only company in line to take over a local library system. LSSI has taken over libraries in Oregon, Florida, Tennessee, Texas, Kansas and California, and has diminished services and staff while relying on more volunteers to make a profit. Privatization threatens America’s public libraries and library services and community residents are upset that they do no not have a voice in the matter. Read the New York Times article about the struggle in Santa Clarita.
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There are lots of corporations just licking their chops and getting ready to sink their incisors into any public function or asset. It started with trash collection and janitorial services, and now we have mercenaries in Iraq, republicans in the House voting to turn Medicare into a voucher program, public school teachers being fired and charter schools spreading, and now...the public library.

Cool Tools: Homesteading Alone

Cool Tools: Homesteading Alone
This might be an option for some folks who don't want any relationship with the neighbors.

Elizabeth Warren On ‘Class Warfare’: There Is Nobody Who Got Rich On His Own (VIDEO) | Election 2012

Elizabeth Warren On ‘Class Warfare’: There Is Nobody Who Got Rich On His Own (VIDEO) | Election 2012
This is just a wonderful response to all this neoclassical economics, "free market" nonsense. I hope she gets elected to the Senate.

Calculating the city's share of foreclosure costs | WBEZ

Calculating the city's share of foreclosure costs | WBEZ
This is about mortgage foreclosure, but if you are interested in hearing me on WBEZ in Chicago this morning, here is the link.

Build a house for less than $5000 | Cira Car

Build a house for less than $5000 | Cira Car
And what an awesome house it is. Bilbo Baggins would love it.

Tuesday, September 20, 2011

Eight Forty-Eight | WBEZ

Eight Forty-Eight | WBEZ
I will be on this program in Chicago tomorrow morning (Wednesday) at 9:30 or so Central, talking about the mortgage foreclosure situation.

Baylor Religion Survey reveals many see God steering economy – USATODAY.com

Baylor Religion Survey reveals many see God steering economy – USATODAY.com
About one in five Americans combine a view of God as actively engaged in daily workings of the world with an economic conservative view that opposes government regulation and champions the free market as a matter of faith.

"They say the invisible hand of the free market is really God at work," says sociologist Paul Froese, co-author of the Baylor Religion Survey, released today by Baylor University in Waco, Texas.

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This should be an interesting election we have coming up.

Residential Construction and Government Purchases Are Much Bigger Trailing Sectors than Business Equipment

Residential Construction and Government Purchases Are Much Bigger Trailing Sectors than Business Equipment
Then in late 2008 the economy falls off a cliff: business investment in equipment and software collapses, housing investment collapses further to far below any equilibrium level, and exports collapse. Exports and business equipment and software investment start to recover in the third quarter of 2009. If only their good recovery performance had been matched by a recovery in residential investment and an increase in government purchases, we would due fine.

But there was no recovery in residential construction. There was no increase in government purchases. And starting in 2010 the shrinking government sector puts additional downward pressure on the economy.

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Economist Brad DeLong nails it. Take a look at the charts. What is holding back economic recovery? The real estate development industry is still in a state of collapse, and governments at all levels are cutting back and laying off workers.

Sunday, September 18, 2011

Bramhall father arrested for 'stabbing to death burglar who broke into his home' | Mail Online

Bramhall father arrested for 'stabbing to death burglar who broke into his home' | Mail Online
A wealthy family man was arrested on suspicion of murder yesterday after allegedly stabbing a burglar to death with his own knife.

Read more: http://www.dailymail.co.uk/news/article-2038785/Bramhall-father-arrested-stabbing-death-burglar-broke-home.html#ixzz1YLo5Pcvq

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The decline and fall of the British Empire seems to be complete. A man can't even defend his own home.

Low home appraisals hurting housing recovery, agents say - South Florida Sun-Sentinel.com

Low home appraisals hurting housing recovery, agents say - South Florida Sun-Sentinel.com
A May 2009 law required that appraisers work independently and without undue influence from mortgage brokers, lenders and real estate agents. Mortgage fraud prosecutors say the overhaul was necessary to curtail conflicts of interest and bloated estimates that contributed to the housing debacle.

More than two years later, real estate professionals say the change has inadvertently led to innaccurate appraisals, which is delaying a housing recovery.

"This requirement is costing everybody, including the consumer, because we're not getting quality appraisals," said Tim Singer of Coldwell Banker in Fort Lauderdale.

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Here's how I translate this from RealEstateSpeak to English: "The boom in housing prices that you all loved so much was fueled in large part by bogus appraisals that allowed the whole nation to fantasize about endlessly-increasing property values, without limit. Now appraisers are being confined to boring old reality. If you want your house to increase in value, let us go back to making things up."

Tension in subdivision? Byron uses AK-47 to scare neighbor - The Freeman » The Freeman Sections » Cebu News

Tension in subdivision? Byron uses AK-47 to scare neighbor - The Freeman » The Freeman Sections » Cebu News
The confrontation started when Garcia’s group took over the leadership of the homeowners association of the subdivision yesterday.

Among the first things he did was to change the guards by removing those that were hired by the subdivision developer, Filinvest, with those from Password Security Agency.

Garcia said that when he called the attention of his neighbor about the speed bumps, the American cussed at him.

He alleged that the American told him, “I don’t care who you are. You are nobody.”

Garcia said that he did not like what he heard and showed his AK-47 to the American and said, “Yes, I am nobody but I have this.”

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Yeah, so just in case you think your HOA president is difficult to deal with, try the Philippines. Thanks to Fred Pilot for the link.

Home, Home on the Lane | Sightline Daily

Home, Home on the Lane | Sightline Daily
Vancouver, BC—the city that has served as a North American icon for creating liveable inner cities—is having its own “laneway” renaissance (as alleys are known here). However, in Vancouver, the revival was spawned by sky-high real estate prices, a lack of affordable housing, and an ingenious plan to create ‘hidden density’ in the city’s most desirable single-family neighborhoods. Whereas some might see these underutilized swaths of pavement as merely needing a little beautification, the City saw it as an opportunity to provide badly-needed rental units.
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Tiny, tiny homes in alleys.

Thursday, September 15, 2011

Cool Tools: Tree Houses

Cool Tools: Tree Houses
Now these are some absolutely awesome tree houses. I want one.

Beyond Foreclosure: The Future of Suburban Housing: Places: Design Observer

Beyond Foreclosure: The Future of Suburban Housing: Places: Design Observer
All of which is to say that entire neighborhoods are frozen in a state of functional deficiency by restrictive municipal zoning and especially by what are known in real estate law as the "covenants, conditions, and restrictions" that govern new residential developments. Builder-developers establish CC&Rs to reassure prospective homebuyers that their investments will be safe. Once the neighborhood is occupied, the developer establishes a homeowner association, which then administers and enforces the CC&Rs; as millions of Americans know well, it's not uncommon for HOAs to restrict the choice of exterior paint colors, prohibit boats or RVs from parking in driveways, ban outdoor clotheslines, limit structural modifications, forbid modes of occupation (like rentals or granny flats), etc. In recent decades the number of common-interest developments governed by HOAs has increased exponentially, from fewer than 500 in 1964 to more than 300,000 today, encompassing an estimated 24.8 million housing units and 62 million residents (20 percent of the population). CC&Rs provide the legal basis by which homeowner associations can levy fines and place liens on homes in violation. Thus property owners are guaranteed that the neighbors won't, for example, double the size of their house or rent out spare bedrooms or build an outhouse on the front lawn. It's a classic compact: you submit to restrictions on your own rights in exchange for stability and to protect your investment. [7]

But the foreclosure crisis has made it painfully clear that such culturally accepted and legally sanctioned resistance to change might be as much a liability as a benefit. We're at a pivotal moment, when thousands of neighborhoods will need to adapt in order to accommodate current realities and correct deficiencies in the housing market.

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Read the whole thing. The link to this peer-reviewed article by Aron Chang came to me from editor Josh Wallaert. Very interesting observations on the suburban single-family home in general and on HOAs in particular. If you look to my previous post on the piece by Bob Bruegmann, you can see that there is a controversy in academia about the future of suburbia. HOAs and condos are a huge part of that future, which is something that Bob overlooks or at least never really acknowledges. I have discussed this issue with him, and his free-market orientation seems to place HOAs in at least as positive a light as cities, a view with which I strenuously disagree.

The Ambiguous Triumph of the “Urban Age” | Newgeography.com

The Ambiguous Triumph of the “Urban Age” | Newgeography.com
In fact, the much-ballyhooed urban majority might be in great part a statistical artifact, a way of counting the population that over-emphasizes the move from country to city and fails to account for the powerful counter-movement from the city back toward the countryside. Indeed the emerging reality of overlapping patterns of high density centers, lower-density peripheries and vast areas of very low density urban settlement, all of them interspersed with agricultural lands and protected open spaces, threatens to upend altogether the traditional notion of what it means to be urban.
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My colleague Bob Bruegmann questions the "end of suburbia, triumph of the urban" line of thought.

Tuesday, September 13, 2011

Another Lesson on National Income Accounting for Robert Samuelson | Beat the Press

Another Lesson on National Income Accounting for Robert Samuelson | Beat the Press
So, if neither investment nor consumption is the problem, then why isn't the economy bouncing back? This is where national income accounting would be very useful to Mr. Samuelson. The problem is that the country has a large trade deficit. It is close to 4.0 percent of GDP now, and would likely be in the 5-6 percent range if we were back at full employment. (Higher GDP increases imports, which would increase the size of the deficit.) This creates a huge shortfall in demand.

This shortfall was filled during the housing bubble years by a consumption boom and boom in residential construction and some categories of non-residential construction. With the loss of housing bubble wealth, there is no reason to expect consumption to return to its bubble levels.

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Interesting take on the situation from Dean Baker. He says increased deficit spending is the way forward.

Monday, September 12, 2011

Arthur Blaustein: California’s Folly — Prop. 13 - Truthdig

Arthur Blaustein: California’s Folly — Prop. 13 - Truthdig
I thought then, and am firmly convinced now, that the key elements in the proposition—the taxation formula and the two-thirds legislative requirement—would be responsible for causing a fiscal and social disaster. These two requirements have in time helped to lead the state into financial bankruptcy and created a dysfunctional state government. And the social consequences that I predicted then and which are all too apparent now are a race to the bottom in education (from K through our highly esteemed university system); public health; social services; public safety; arts, libraries and culture; and infrastructure development; as well as crippling the ability of local governments to provide basic amenities.
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I agree with Blaustein. Add to this the fact that common interest housing has proliferated in California and elsewhere as local governments struggled to find the revenues they lost with property tax caps. Double taxation: breakfast of champions.

Sunday, September 11, 2011

Problem Solver: Patriotism — at a price - chicagotribune.com

Problem Solver: Patriotism — at a price - chicagotribune.com
Thanks to Mystery Reader for this interesting slice of suburban life. The Postal Service went postal, but then pulled themselves back from the brink.

McKenzie Book Talk and Workshop Registration at Center for California Homeowner Association Law

McKenzie talk Workshop Registration at Center for California Homeowner Association Law
Marjorie Murray at the Center for California Homeowner Association Law has a registration page up for our talk on September 23 in San Francisco at Hastings Law School. I will be discussing Beyond Privatopia and Marjorie and Tyler Berding will be offering their perspectives on the issues. I am looking forward to this.

Thoughts on socialist conspiracies

I received an email recently expressing surprise that I didn't know about the United Nations' Agenda 21 plan to spread socialism around the world through mandating common interest housing for all. Indeed. This sort of thought pattern is instructive. I know about Agenda 21, which deals with sustainable development. The main focus of the "human settlements" recommendations is on the urban poor, about one billion of whom are living in slums--substandard housing, overcrowding, insecure tenure (they have no legal right to be where they are living), and lack of basic services (clean water, sanitation, electricity, transportation). Do the Agenda 21 people recommend giving them condo units, or otherwise enlisting them in common ownership schemes? No. The UN recommends expanding rental housing, not ownership. They think that focusing on ownership is a huge problem. "A recent UN-Habitat report13 finds that national housing policies and donor supported housing programmes are generally neglectful of the role that rental housing can play as a form of affordable shelter for the poor. There is a heavy emphasis in most policies on facilitating home ownership, despite the fact that many families and individuals avail themselves of (or would choose to avail themselves of) rental housing during some part of their life cycle." (Page 7) I have contributed book chapters to two volumes on the international spread of common interest housing and so far I see no evidence that the UN favors it. If anybody has any evidence that the UN wants to expand condos and private gated communities all over the world, please send it along. All I can find in their reports is criticism of planning that continues to favor the affluent--the people who live in those private gated communities and condos outside the US. On a larger scale, many right-wing and libertarian "property rights" critics of common interest housing don't get the basic picture. CIDs are a form of privatization. They appear where local government fiscal capacity is limited. To put it simply, if you don't like CIDs, quit complaining about paying your taxes and drop the anti-government rhetoric. You will have either public or private provision of basic services. The weaker your state and local governments are, the more they will require CIDs because they (government) can't afford to build or maintain infrastructure or hire the staff to provide services, or even enforce building codes. This is ultimately a self-defeating strategy for local governments, but it is the tax revolt mentality that started them down this road. And for all you right-wingers who don't like your HOA...as Shakespeare said, you are hoist with your own petard.

Saturday, September 10, 2011

BlueKennel » Why Non-Suburbanites Distrust Suburbanites

BlueKennel » Why Non-Suburbanites Distrust Suburbanites
However, people move to suburbs not just to get things, like bigger houses and yards, but to get away from things in their old neighborhood: crime, traffic, and bad schools [if they’re not religious, they are likely to assume that the public schools in the suburbs are 'good']. And how to keep the bad things from following them? They have to be able to control the neighborhoods around them. This means, of course, either through the power of the state, or through the power of covenants and deed restrictions that create a quasi-state. One major city, Houston, relies exclusively on private covenants to control land use, other than ‘health and safety’ regulations; they have not even had zoning, much less the Conditional Use Permit system that has replaced zoning in many parts of California. It is popular in conservative circles, especially, to talk about ‘smaller government,’ but ‘smaller government’ is the last thing that suburbanites want if it means that whatever they were trying to leave behind can come into their neighborhood. And we tend to think of suburbanization as a conservatizing force!

Interestingly enough, local governments have started to imitate homeowners’ associations, in that they claim the right to compel neatness and other things that traditionally a civil government did not claim beyond a demonstrable health or safety standard. And also, city residents often regard themselves as having a property right in the ‘General Plan’ of the city in the way that they would in the CC&Rs of an association.

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It's nice to see people thinking about things in 2011 that you wrote about in 1985. It would be nice if they didn't think they were intellectual pioneers, but still--it is good to see that people are catching on.

A Huge Housing Bargain -- but Not for You - TheStreet

A Huge Housing Bargain -- but Not for You - TheStreet
NEW YORK (RealMoney) -- The largest transfer of wealth from the public to private sector is about to begin. The federal government will be bulk-selling the massive portfolio of foreclosed homes now owned by HUD, Fannie Mae and Freddie Mac to private investors -- vulture funds.

These homes, which are now the property of the U.S. government, the U.S. taxpayer, U.S. citizens collectively, are going to be sold to private investor conglomerates at extraordinarily large discounts to real value.

You and I will not be allowed to participate. These investors will come from the private-equity and hedge-fund community, Goldman Sachs(GS_) and its derivatives, as well as foreign sovereign wealth funds that can bring a billion dollars or more to each transaction.

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Awesome. Socialism for the rich, free market capitalism for everybody else.

Kinde Durkee 'Nearly Wiped Out' Loretta Sanchez's Campaign Fund | TPMMuckraker

Kinde Durkee 'Nearly Wiped Out' Loretta Sanchez's Campaign Fund | TPMMuckraker
Durkee was arrested by the FBI on Friday on mail fraud charges. The feds said she used campaign funds for her own personal purposes, including paying her mortgage; her mother's nursing home costs; and credit card charges for cosmetics and ice cream.

A major player in the California campaign finance world, Durkee had an extensive list of clients in California, according to the Secretary of State's office. On the federal level, Federal Election Commission records show she was treasurer for 161 various committees over the course of her career.

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Interesting that a member of Congress could be bilked this way. The same thing has happened in condo and HOA developments across the nation.

Squatters are shot where my wife comes from: Doctor whose £1m home was taken over by spongers hits out at the law | Mail Online

Squatters are shot where my wife comes from: Doctor whose £1m home was taken over by spongers hits out at the law | Mail Online
His story started when squatters took over the five-bedroom Edwardian home he and his heavily pregnant wife planned to move into in time for the birth of their first child.

The raggle-taggle group of foreigners and drop-outs ignored his repeated pleas to leave the West London property despite telling them that his 35-year-old wife Kaltun was being put under emotional strain and the ordeal was placing their unborn baby at risk.

Read more: http://www.dailymail.co.uk/news/article-2035699/Squatters-shot-wife-comes-Doctor-1m-home-taken-spongers-hits-law.html#ixzz1XaSNZi9H

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And you think your HOA board of directors is hard to deal with...

Obama's new plan for underwater mortgages may be too little too late | iWatch News

Obama's new plan for underwater mortgages may be too little too late | iWatch News
It was almost a blink-and-you-miss-it moment in President Barack Obama’s jobs speech, but for about 20 seconds—after he urged Congress to pass his $447 billion economic stimulus bill—he offered a quick sketch of a plan to aid struggling homeowners.
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Washington fell all over itself to help the banks that caused all this by passing TARP. But the people who had these exploding mortgages? Back of the line, Buster.

Friday, September 09, 2011

Righthaven says it might have to file for bankruptcy - VEGAS INC

Righthaven says it might have to file for bankruptcy - VEGAS INC
Despite its backing by the billionaire Warren Stephens family, Las Vegas copyright lawsuit filer Righthaven LLC warned today it may have to file for bankruptcy because of a series of setbacks in its litigation campaign.

The warning came in an emergency request by Righthaven to a federal judge in Las Vegas that he stay his order that Righthaven pay $34,045 in legal fees to attorneys who successfully defended Kentucky message board poster Wayne Hoehn against a Righthaven lawsuit.

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Righthaven is the copyright troll firm that the Las Vegas Review Journal hired to file ridiculous copyright infringement suits against bloggers who quoted LVRJ articles. The "setbacks" are slapdowns from judges who would not allow the federal court system to be misused in this fashion. This is why I never link to anything from the LVRJ. It's a shame that the executives did such a dumb thing, because some of the LVRJ reporters do great work (including their work on the blockbuster federal investigation of fraud involving HOAs, attorneys, and others) that should be publicized on the web to generate comment and inform people in a wider circle.

Tuesday, September 06, 2011

In E-Mail Age, Postal Service Struggles to Avoid a Default - NYTimes.com

In E-Mail Age, Postal Service Struggles to Avoid a Default - NYTimes.com
The United States Postal Service has long lived on the financial edge, but it has never been as close to the precipice as it is today: the agency is so low on cash that it will not be able to make a $5.5 billion payment due this month and may have to shut down entirely this winter unless Congress takes emergency action to stabilize its finances.
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I meant to post this over the weekend. Thanks to Fred Pilot for reminding me. Right wingers and libertarians have salivated for decades over the prospect of privatizing the US Postal Service. They make the usual claims of government inefficiency. But the postal service is tasked with delivering first class mail to all locations in the nation with equal speed at the same price. It costs 44 cents to send a letter from one block in downtown Chicago to the next block, or from one remote rural location in Maine to another remote rural location in the state of Washington. Does anybody think that things will stay that way if the Republicans stage another game of chicken and threaten to let the postal service go into default and out of business, unless Obama and the Democrats agree to privatize it? Here in Chicago parking rates doubled when Daley privatized the parking meters; same with tolls on the Skyway. Some tasks are not very profitable, and businesses don't want to do those things.

Monday, September 05, 2011

HOAs as destroyers of community

HOAs are often referred to by the community association industry as its name suggests, communities. Veteran HOA critic George Staropoli however has a different perspective, asserting in a white paper that HOAs starve communities of the social capital they need to develop true community:
These associations do not create positive social capital consisting of social networks and connections with reciprocal relationships, social interactions, trustworthiness and mutual obligations between the powerful boards and the rank and file homeowners. Rather, HOAs are a major cause of the destruction of social capital within the subdivision community. And as HOAs have become institutionalized — being accepted without question as “that’s the way it is” — they have made a substantial contribution to the decline in social capital in America.

Recovery In the Housing Market Does Not Mean Higher Prices: Is the Post Still Listening to David Lereah? | Beat the Press

Recovery In the Housing Market Does Not Mean Higher Prices: Is the Post Still Listening to David Lereah? | Beat the Press
It seems that the Post still doesn't understand that there was a housing bubble. This means that prices fell from bubble-inflated levels and that they are not comming back. This is just like the NASDAQ which peaked at over 5000 in March of 2000. More than 10 year later it stands at less than half this level.

It's the same story with house prices. They peaked at levels that were more than 70 percent above their long-term trend. They still have not fully returned to their trend levels, having about 10 percent more to decline. There is absolutely zero reason to think that nationwide house prices will rise from current levels.

There continues to be an enormous excess supply of housing which can be most directly demonstrated by the fact that the housing vacancy rate remains near the record high set in 2010. There is nothing in the fundamentals of the supply and demand of the housing market that would indicate that we should expect house prices to rise from their long-term trend.

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From Dean Baker, who is constantly correcting the nonsensical econo-speak emanating from the media.

Is Phoenix an Example of Good Housing Policy? | Beat the Press

Is Phoenix an Example of Good Housing Policy? | Beat the Press
It is not clear that the pattern in Phoenix's housing market is one that many cities would want to emulate.
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Really. Take a look at the graph. And of course it is wall to wall CIDs.

Sunday, September 04, 2011

Bank of America 'called grieving widow 48 times a day to remind her of husband's debt' | Mail Online

Bank of America 'called grieving widow 48 times a day to remind her of husband's debt' | Mail Online
Bank of America bombarded a grieving widow with calls up to 48 times a day to remind her that her recently deceased husband had missed a mortgage payment, it is claimed.

Deborah Crabtree, from Honolulu, Hawaii, is suing the bank after she said she was called by debt collectors as often as every 15 minutes including during the wake for her husband.

Read more: http://www.dailymail.co.uk/news/article-2033465/Bank-America-called-grieving-widow-48-times-day-remind-husbands-debt.html#ixzz1X0rHIhPi

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Stay classy, Bank of America.

US Real Estate: The Housing Market is Shrinking - CNBC

US Real Estate: The Housing Market is Shrinking - CNBC
The granular, organic, whatever you want to call it…non-distressed market is withering away. Sellers are afraid to put their homes on the market for fear of losing too much equity, which means there are fewer potential move-up buyers. First time buyers are choosing to rent in droves, as unemployment and the wider economy recover far more slowly than expected.
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One third of home sales in the second quarter of this year were foreclosures and short sales. But the bigger problem, says real estate writer Diana Olick, is that the number of non-distressed sales fell.

People keep talking about "when the housing market comes back," but it seems more likely that we have entered a new era in housing in this country. The old days are not coming back at all. The home ownership rate may go down permanently with young people renting instead of aspiring to ownership. The days of your home being your main investment may be over. Housing prices may never climb dependably again. And if gasoline costs ten bucks a gallon (which I think we will see within 5 to 10 years) suburban and exurban housing as we know it won't work for most people. We have far too many houses and condo units already. There are millions of foreclosures yet to be done. And the entire institution of common interest housing rests on the over-estimated abilities of the average middle-class homeowner to fund and operate a homeowner or condominium association in perpetuity.

Saturday, September 03, 2011

Central Florida's smaller cities look for nickel-and-dime budget cuts

Having weathered four years of declining property values, local governments have whittled spending to essential services, and some have spent reserve funds, according to city managers and finance directors.
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It's all the fault of Privatopia for failing to preserve property values.

Friday, September 02, 2011

The $4 Trillion Dollar Question | The Big Picture

The $4 Trillion Dollar Question | The Big Picture
This analysis is by Dhaval Joshi, a financial analyst, reprinted on Barry Ritholtz's blog (highly recommended). It appeared in June 2010 but I just ran across it. Here's the lead:

"Can the US economy really return to “business as usual” when it has 4 million houses surplus to requirement, when 1 out of 4 mortgages are in negative equity, and when by our calculation, it is burdened with $4 trillion of excess mortgage debt, equivalent to 30% of GDP?"

Robo-signed mortgage docs date back to late 1990s - Yahoo! News

Robo-signed mortgage docs date back to late 1990s - Yahoo! News
Counties across the United States are discovering that illegal or questionable mortgage paperwork is far more widespread than thought, tainting the deeds of tens of thousands of homes dating to the late 1990s.

The suspect documents could create legal trouble for homeowners for years.

The Real Deal on HOAs - RE/MAX Baja Realty

The Real Deal on HOAs - RE/MAX Baja Realty
"The City Council is working on setting up a new department to coordinate the HOA of the different developments, to solve internal problems between residents, the HOA and the developer. Before the developer establishes the HOA the new department appointed by the City Council will check the regulations and then give its authorization to go ahead and establish it. Raúl Aragón, council member of Rosarito and businessman has made a lot of effort for this to happen; he is also assisting the Rosarito Realtors Association and obtaining a licensed requirement to practice real estate in the city of Rosarito." Gustavo Torres, President of AMPI, commented on the subject. The new department will have the obligations to create reorganization and modernizing programs, annual income and expense reports, administrative manuals, it will keep a statistical control, impose sanctions in case of violation of the law, inspections and notices when applicable, it will supervise the appointment of board members, security and management; it will also establish the budget for common expenses, types of payment and a reserve fund.
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Thanks to Robert Rancansky for this interesting link. The writer doesn't understand why associations are proliferating and explains that all wrong, but this last paragraph is worth noting. This is in Baja California, Mexico, where apparently they have some concept of the need to keep track of association affairs. I guess Milton Friedman didn't get around to preaching his gospel there.

Calculated Risk: Lawler: Census 2010: Homeownership Rates by Selected Age Groups

Calculated Risk: Lawler: Census 2010: Homeownership Rates by Selected Age Groups
Homeownership rates for those under the age of 55 have fallen dramatically since 1980, according to the Census.

Wednesday, August 31, 2011

Oregon Foreclosures Appear Likely to Shift to the Courts | LoanSafe.org

Oregon Foreclosures Appear Likely to Shift to the Courts | LoanSafe.org
For half a century, the vast majority of the state’s residential foreclosures have occurred without a judge’s involvement. Oregon is one of 24 states that allow nonjudicial foreclosures, provided lenders give borrowers proper notice, publicize the sale and abide by other requirements.

But late last year, federal judges began blocking them, ruling that lenders had failed to follow one of those requirements: filing the mortgage’s ownership history in county records.

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I have said many times that nonjudicial foreclosure is a terrible thing, whether done by CIDs or banks. Here is some reconsideration of the practice taking place in Oregon.

The Home Equity Theft Reporter: May 1, 2011

The Home Equity Theft Reporter: May 1, 2011
Ohio Supremes To Decide Whether Foreclosing Party Must Own Both Note, Mortgage At The Time Complaint Is Filed
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Interesting blog--and looks like a big case.

Guilty plea in homeowners association scheme - Houston Chronicle

Guilty plea in homeowners association scheme - Houston Chronicle
LAS VEGAS (AP) — A Las Vegas political consultant pleaded guilty Tuesday in federal court to taking part in a scheme to control condominium homeowners associations and steer business to favored companies in southern Nevada.

Steven Wark, 54, admitted in a plea agreement that in 2005 he joined an effort to control homeowners association boards of directors to send legal work and building contracts to a law firm and construction company designated by his co-conspirators, prosecutors said.

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Thanks to Bill Davis for the link. Others sent me a link to the Las Vegas Review-Journal version, but I never quote anything from that newspaper because they sued people for doing it.

Tuesday, August 30, 2011

Guilty plea in homeowners association scheme

LAS VEGAS (AP) — A Las Vegas political consultant pleaded guilty Tuesday in federal court to taking part in a scheme to control condominium homeowners associations and steer business to favored companies in southern Nevada.

Steven Wark, 54, admitted in a plea agreement that in 2005 he joined an effort to control homeowners association boards of directors to send legal work and building contracts to a law firm and construction company designated by his co-conspirators, prosecutors said.

The Justice Department also alleged in the statement that co-conspirators forged ballots and rigged board elections in the scheme that involved about a dozen homeowners associations and took place from about August 2003 through February 2009. The names of the co-conspirators and other companies weren't made public.
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The story goes on to note a federal prosecutor expects more federal cases to be filed in the coming days and weeks. The late Las Vegan and wannabe wiseguy Phil "The Ghostbuster" Testa must be having a posthumous "told ya so" moment. Thanks to Bill Davis for the story.

Orange County, CA, may go bankrupt...again???

Second District Supervisor John Moorlach warned in a weekend editorial in the Register that the county is poised at the edge of bankruptcy – again.
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Thus spake Orange County Second District Supervisor John Moorlach, who was the county treasurer for 12 years--following the first Orange County bankruptcy in 1994. That time, it was the result of bonehead financial decisions made by the previous treasurer, Robert Citron, who thought investing public money in complex derivatives was a great way for the Republicans of Orange County to avoid paying taxes. This time? It sounds like a combination of factors, but the tax phobia of Orange County residents is a perennial fact of life for county officials.

Monday, August 29, 2011

Dispute could force out residents of rundown condo | The Tennessean | tennessean.com

Dispute could force out residents of rundown condo | The Tennessean | tennessean.com
Residents of a West Nashville condominium complex could soon be forced to search for new homes because of a complicated dispute between absentee real estate investors and their homeowners association.

The West Meade Condominium complex, located off Charlotte Pike next to the Nashville West shopping center, has become dangerously rundown because the homeowners association doesn’t have enough money to pay for repairs.

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Yet another collapsing condo project. I expect this sort of story to become commonplace over the next few years. Thanks to Fred Pilot for this link.

Saturday, August 27, 2011

Online petition to Congress: Declare HOAs governments -- or outlaw them as rackets

Make Home Owner Associations legitimate by holding them to the same standards as our state and federal government, or end them as racketeering.

These privatized corporate goverments are judge, jury, and executioner against homeowners' basic rights. They require no oversight as they target, bully, and foreclose for profit, and just because they can. This multi-billion dollar a year industry uses oblivious HOA boards to extort billions from homeowners while proporting to "protect property values." Nothing could be further from the truth. Tragically, Senator Carona from Dallas owns the largest HOA management company in the country, and he writes the legislation against homeowners to protect his empire.
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The petition can be viewed and signed here.

Foreclosures made up 31 pct. of home sales in 2Q - Yahoo! Finance

Foreclosures made up 31 pct. of home sales in 2Q - Yahoo! Finance
The share of the market would likely have been larger this spring if not for a state and federal investigation into faulty paperwork by banks and servicers. The probe has led many banks to delay foreclosure sales. Once that is complete, foreclosures will likely surge later this year.
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I guess the real policy we are adopting de facto is just to bail out the banksters and let people lose their homes. All this talk about helping out the owners seems like empty rhetoric.

Friday, August 26, 2011

Borrowers claim lender knowingly made bad loans, depressing their property values

This is a case in which nearly 250 California customers of Countrywide Financial allege that the mortgage lender knowingly failed to practice diligent underwriting, generating bad loans that led to a liquidity crisis that cratered California's housing market -- and their property values:
As a proximate result of the foregoing concealment by Defendants, California property values have precipitously declined and continue to decline, gravely damaging Plaintiffs by materially reducing the value of their primary residences, depriving them of access to equity lines, second mortgages and other financings previously available based upon ownership of a primary residence in California, in numerous instances leading to payments in excess of the value of their properties

The Second District California Court of Appeal isn't buying the argument. It granted Countywide's petition to overturn a trial court ruling overruling its demurrer to the plaintiffs' fraudulent concealment allegation:

We conclude the plaintiffs/borrowers cannot state a cause of action against Countrywide for fraudulent concealment of an alleged scheme to bilk investors by selling them pooled mortgages at inflated values, the demise of which scheme led to devastated home values across California. Due to the generalized decline in home values which affects all homeowners (borrowers of Countrywide, borrowers who dealt with other lenders, and homeowners who owned their homes free and clear), there is no nexus between Countrywide‘s alleged fraudulent concealment of its scheme to bilk investors and the diminution in value of the instant borrowers‘ properties.

In other words, the court is saying, the conduct of a single lender -- even one like Countrywide that had a major segment of the pre-meltdown residential mortgage market in California -- can't be blamed for popping the real estate bubble. It's also impliedly stating that lots of lenders threw underwriting standards to the wind, so no single mortgage lender can be blamed for the resulting crash.

The full ruling can be viewed here.

Thursday, August 25, 2011

Walmart Is Dying Because Its Business Model Is Strangling Itself - The Consumerist

Walmart Is Dying Because Its Business Model Is Strangling Itself - The Consumerist
Make sure you read this in a spooky voice in your head: Wal-Mart is dooooomed! At least, the business model it relied on to reach such astronomical growth is now probably putting a choke hold on the company's ability to grow and compete.
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Human institutions often collapse right after a period of explosive growth.

US May Back Mortgage Refinancing for Millions - CNBC

US May Back Mortgage Refinancing for Millions - CNBC
The Obama administration is considering further actions to strengthen the housing market, but the bar is high: plans must help a broad swath of homeowners, stimulate the economy and cost next to nothing.
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I feel as though Obama has waited far too long to seriously address the housing market and the unemployment situation. And if he is thinking about next year's election, it may be too late for these initiatives to make any difference.

Wednesday, August 24, 2011

Homeowner Groups Sue to Force Foreclosures - Bloomberg

Homeowner Groups Sue to Force Foreclosures - Bloomberg
Members of the Vintage East Condominium Association in Miami Beach got tired of waiting for JPMorgan Chase & Co. (JPM) to foreclose on unit 9, so they sued the bank in February to take control of the property.

In June, more than four years after the owner stopped making payments, a judge ruled that JPMorgan lost its claim to the $144,000 mortgage. The apartment is now on the market for $87,500, and the association may stave off insolvency with proceeds from the sale and a new owner who pays monthly dues, said Jane Losson, a board member at the complex. Four of the 11 other owners at the property are also behind on dues.

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Thanks to Doug Selby for this link. Maybe it's time to stop coddling the banksters. Just a thought.

New York Attorney General Kicked Off Government Group Leading Foreclosure Probe

New York Attorney General Kicked Off Government Group Leading Foreclosure Probe
WASHINGTON -- New York Attorney General Eric Schneiderman on Tuesday was kicked off the committee leading the 50-state task force charged with probing foreclosure abuses and negotiating a possible settlement agreement with the nation's five largest mortgage firms, according to an email reviewed by The Huffington Post.
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Why? Apparently because he is too aggressive about it: "He's leading his own investigation into mortgage improprieties, subpoenaing documents from the nation's largest financial institutions and reviewing court records for possible illegal home repossessions."

Monday, August 22, 2011

AM Alert: Beware the (privatization) beast



A beast is on the loose at the Capitol today -- and we're not talking about Sutter Brown.

A "privatization beast" will be roaming Capitol Park as librarians gather on the south steps to warn of what they say are the perils of privatizing public libraries across the state.

The 11 a.m. presser is being staged in support of Assembly Bill 438, a union-backed bill that would establish a series of hurdles for cities and counties looking to hand over their library operations to private companies. Several California libraries have already signed on with a national contractor called Library Systems & Services.

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Privatizing libraries? That's nothing compared to local government, where entire towns and communities have been privatized into HOA-governed common interest developments in many parts of the nation.

Sunday, August 21, 2011

City of Aurora, CO Proposes Giving Corporation Right to Vote | Move to Amend

City of Aurora, CO Proposes Giving Corporation Right to Vote | Move to Amend
And...the Libertarian Party is opposing it!

How to Disband a Homeowner's Association

A quick tour of your favorite search engine's menu on the topic of "disbanding homeowner's associations" sites would be mildly entertaining if inquiries weren't so fraught with rants and anger. A great HOA does nothing but help a community share expenses and responsibility, but when power is abused and members reach a collective breaking point, there's nothing to be done short of cutting the umbilical cord that holds residents to an existing, structured code of conduct.

Saturday, August 20, 2011

Scars Left by ‘Great Recession’ Will Be Hard to Erase

One of these permanent marks left by the previous recession is what's happened to neighborhoods hit by a wave of home foreclosures. Peck points to areas in Florida, Arizona and Nevada that are starting to disintegrate — just like what happened to some inner cities back during the 1970s.
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More signs that Privatopia and its privatized local government by HOA that grew dramatically over the past four decades and built to a climax over the past 15 years is on the decline. Peck predicts HOA land will become blighted. Note however another author predicted the suburbs would become the new slums long before Peck: Jack Lessinger in his 1991 work Penturbia: Where Real Estate Will Boom AFTER the Crash of Suburbia.

Friday, August 19, 2011

Home | What Went Wrong: The Betrayal of The American Dream

Home | What Went Wrong: The Betrayal of The American Dream
Donald Barlett and James Steele wrote a Pulitzer Prize winning series for the Philadelphia Inquirer back in 1991 about how the Reagan era policies undermined the middle class. Now they are back--and the situation is far worse now.

Woman’s yard sale to pay medical bills gets shut down | News | Salem News

Woman’s yard sale to pay medical bills gets shut down | News | Salem News
A woman fighting a terminal form of bone cancer is trying to raise money to help pay bills with a few weekend garage sales, but the city of Salem says she’s breaking the law and is shutting her down.

Jan Cline had no idea, but the city of Salem has a clear law that states a person can only have three yard sales a year.

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Thanks to Mystery Reader for this depressing story of mindless rule enforcement.

Thursday, August 18, 2011

Case against MERS reaches Supreme Court « HousingWire

Case against MERS reaches Supreme Court « HousingWire
A controversial case challenging the ability of Mortgage Electronic Registration Systems to foreclose on a California man was filed with the Supreme Court Monday, making it the first major MERS case to reach the nation's highest court.
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But the USSC hasn't agreed to hear the case. This is just a petition for a writ of certiorari. The court gets thousands of these every year and ends up deciding fewer than 100.

Tuesday, August 16, 2011

D.C. enclaves reap rewards of contracting boom as federal dollars fuel wealth - The Washington Post

D.C. enclaves reap rewards of contracting boom as federal dollars fuel wealth - The Washington Post
I think I'm in the wrong line of work.

Libertarian Billionaire Wants Island Nation for Libertarian Billionaires

Libertarian Billionaire Wants Island Nation for Libertarian Billionaires
Awesome. Too bad they won't be taking the rest of the libertarians with them. Most of them no doubt will continue to preach the gospel of Ayn Rand and Ron Paul from Mom's basement..

Hercules Municipal Utility Has Drained City Coffers

Hercules Municipal Utility Has Drained City Coffers
HMU rates are higher because the utility's growth has been balanced essentially on the backs of residential ratepayers and taxpayers. Over the past decade, Hercules has spent more than $16 million building a utility that today consists of little more than nine miles of underground cable, switching boxes and a vacant piece of land that was supposed to house a substation.

It is an enterprise awash in IOUs. In the process of serving 840 customers, the utility has saddled Hercules with more than $13 million in bond debt. And since 2003, Hercules' redevelopment agency has loaned the utility almost an equal amount of money -- this in a town of only 24,000 residents that has a general fund budget of just $14 million.

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Wow. It appears that a city can be run as badly as an HOA.

Monday, August 15, 2011

Hybrid housing holds appeal | StarTribune.com

Hybrid housing holds appeal | StarTribune.com
This type of housing -- called manor homes, villas, cottage homes or detached townhouses -- is tailored to people who want the privacy of a traditional single-family home with the convenience of a condo. And although it accounts for only a tiny slice of the real estate pie, builders and developers are cautiously optimistic that this hybrid style of house will grow in popularity, partly because it's designed for a growing population: retiring baby boomers.
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This is a puff piece touting a super-paternalistic type of HOA where the association hires all the contractors that service the individual lots. Next step is what? The HOA sends inspectors into your home and makes you pay for repainting your bathroom a different shade of beige?

Anybody who buys into a place like this isn't really a homeowner anyway. They are just tenants with an investment interest.

Thanks to Mike Ramsey for the link.

Sunday, August 14, 2011