Even as August saw more Americans lose their homes to foreclosure than in any other month on record, there are growing concerns over the legality of many of those proceedings.

JPMorgan Chase has suspended legal proceedings on 50,000 foreclosures, due to concerns about the validity of the foreclosure documents, a spokesman for the bank told CNBC Wednesday (hat tip to Zero Hedge).

JPMorgan spokesman Tom Kelly confirmed to the AP Wednesday that “employees signed some affidavits about loan documents without personally verifying the files.”

The decision is the latest signal of a potentially massive stall in the nation's foreclosure process. Last week, after GMAC Mortgage halted its foreclosures in 23 states, the Washington Post reported that one of GMAC's employees hadn't read the roughly 10,000 foreclosure documents he approved each month (and now Colorado wants to be added to that list of states). It then turned out that the “robo signer” might not have been alone.

Phi Beta Iota: We called for a freeze on all foreclosures and evictions back in October 2008, instead of bailing out Wall Street where one $10 million bonus could cover an astonishing number of mortgage payments among the poor and lower middle class. The US Government failed to assure justice for all those who have been evicted to date. This move by JP Morgan is a good one, and also reminds us once again how important INTEGRITY is at every stage of every process. The reality is that most final “holders” of aggregated mortgages never had the actual loan note to begin with. The Department of Justice should have known that and should have advised all relevant policymakers and politicians of this fact, but in the rush to bail out Wall Street, the public interest was ignored, demeaned, and betrayed.

2010/09/302010/09/30

How the “Entrepreneurial Design for Extreme Affordability” class launched several internationally known start-ups

01 Poverty, 03 Economy, 07 Health, 12 Water, Civil Society, Commerce, Cultural Intelligence, Gift Intelligence, International Aid, Methods & Process, Non-Governmental, Peace Intelligence, Strategy, Technologies

Working through partners, getting to market faster

The Entrepreneurial Design for Extreme Affordability class has launched several internationally known start-ups (including Embrace, Driptech and D.Light.) But main route for student teams to get their life-changing products into the hands of people in the developing world is by working with NGO partner organizations.

Working with partners is the quickest way to market: it eliminates the need to create a business model and distribution infrastructure, so that students can focus on getting the best possible product to people who need it.

Professor Jim Patel, who founded the class, and Erica Estrada, who teaches the class and directs our Social Entrepreneurship Lab, discuss why this is such a critical route-to-market for students in the class:

Continue reading “How the “Entrepreneurial Design for Extreme Affordability” class launched several internationally known start-ups”

2010/09/302010/09/30

Journal: Chuck Spinney on Deadly Games of Deceit

09 Justice, 10 Security, 11 Society, Corruption, Cultural Intelligence, Government, Intelligence (government), Methods & Process, Military, Officers Call, Power Behind-the-Scenes/Special Interests, Secrecy & Politics of Secrecy

editor spinney time — Chuck Spinney On the Record

The linked article by William Pfaff illustrates how the Pentagon set up Mr. Obama to do its bidding.

Are Obama’s Hands Tied?

28 September 2010

By William Pfaff

A splendid and courageous new book, Washington Rules: America’s Path to Permanent War, by Andrew J. Bacevich of Boston University (and for many years previously, the U.S. Army), describes with lucidity the degree to which the power of the American presidency over war and peace has been weakened in our day, and, in important respects, superseded.

One might call this a silent coup against the presidency, but a coup implies intention: a responsible actor who sets the coup d’etat into action for a defined purpose. The argument Bacevich makes implies that a coup can be institutional or intellectual, and come from outside as well as inside government. Its characteristic is to create a situation in which a president is no longer free to act as he might wish, because all of the doors except one have been closed.

Read Rest of Original Article

Chuck Spinney's Original Comments Continued

The name of the bureaucratic game, of course, is to remove all realistic alternatives to the Pentagon's preferred decision before that decision is made. Pfaff's discussion is based on Andrew Bacevich's new book “Washington Rules.” I have not read Bacevich's book yet, and will not be able to until I return to the states in November, but I have read several reviews and from that perspective can say that the behaviour Pfaff describes comports well with behavior I witnessed in my years in the Pentagon.

The picture is more subtle and far more complicated than that portrayed by Pfaff, however.

Continue reading “Journal: Chuck Spinney on Deadly Games of Deceit”

2010/09/30

Worth a Look: Right Livelihood Awards

Collective Intelligence, Cultural Intelligence, Gift Intelligence, Peace Intelligence, Worth A Look

The 2010 Right Livelihood Awards go to four recipients who will share the € 200.000 cash award:

NNIMMO BASSEY (Nigeria) receives an Award “for revealing the full ecological and human horrors of oil production and for his inspired work to strengthen the environmental movement in Nigeria and globally”.

Bishop ERWIN KRÄUTLER (Brazil) is honoured “for a lifetime of work for the human and environmental rights of indigenous peoples and for his tireless efforts to save the Amazon forest from destruction”.

SHRIKRISHNA UPADHYAY and the organisation SAPPROS (Nepal) are recognised “for demonstrating over many years the power of community mobilisation to address the multiple causes of poverty even when threatened by political violence and instability”.

The organisation PHYSICIANS FOR HUMAN RIGHTS-ISRAEL (Israel) is awarded “for their indomitable spirit in working for the right to health for all people in Israel and Palestine”.

QuoteJakob von Uexkull, Founder and Co-Chair of the Right Livelihood Awards, noted after the jury decision:

“True change starts at the grassroots level: physicians who did not wait for politicians before acting to end unnecessary suffering in the Middle East; villagers who work themselves out of poverty; and environmental movements which unite the victims of ecological devastation. Combine this work on the ground with targeted advocacy, for example for the constitutional rights of indigenous people, and you understand why this year’s Right Livelihood Award Laureates yet again offer role models, whose work and commitment can be replicated throughout the world.”

2010/09/292011/01/03

VMyths: Truth About Computer Security Hysteria

Commerce, Commercial Intelligence, Computer/online security, Cyberscams, malware, spam, Government, Hacking, Media, Misinformation & Propaganda, Power Behind-the-Scenes/Special Interests

http://vmyths.com/about

Vmyths traces its roots to a “Computer Virus Myths treatise” first published in 1988. It evolved into the critically acclaimed “Computer Virus Myths home page” in 1995, then it moved to Vmyths.com in 2000. Its name has changed over the years, but Vmyths remains true to its original goal: the eradication of computer security hysteria.

Vmyths sells the truth about computer security hysteria. We take no prisoners; we pull no punches; and we refuse computer security ads in order to maintain our independence.

Our editors:

Rob Rosenberger edits Vmyths and writes as a columnist. He is one of the “original” virus experts from the 1980s, and the first to focus on virus hysteria. Red Herring magazine describes him as “one of the most visible and cursed critics in computer security” today, and PC World magazine says he “is merciless with self-appointed virus experts and the credulous publications that quote them.” Rosenberger was one of only a dozen industry experts invited to the White House’s first-ever antivirus summit meeting in December 2000.

George C. Smith, Ph.D. serves as Vmyths‘ editor-at-large. He also writes as a columnist. His seminal book, The Virus Creation Labs, documents the insane early history of the antivirus world. He also published the critically acclaimed Crypt newsletter. The San Jose Mercury News recommends Smith’s work to “those who insist on at least a modicum of fact, accuracy and clear thinking in their tech news.”

Continue reading “VMyths: Truth About Computer Security Hysteria”

2010/09/292011/01/04

Reference: Robert Steele at Huffington Post

About the Idea, Collective Intelligence, Earth Intelligence, Ethics, Government, InfoOps (IO), Intelligence (government), IO Multinational, IO Sense-Making, Key Players, Methods & Process, Open Government, Policies, Reform, Threats, Worth A Look

Robert David Steele

Recovering spy, serial pioneer for open and public intelligence

Posted: September 28, 2010 10:25 AM

It's Official — Steele Won Virtual Presidency

I held a bi-partisan vote today, with me representing the Democratic Party while I represented the Republican Party. Strict ballot access controls ensured a unanimous outcome — the new Virtual President of the United States of America is Robert David Steele, or for Latinos, Roberto David de Steele y Vivas.

Over the next 45 days, on Tuesdays and Thursdays I will announce one critical policy decision, always in the context of a balanced budget and always with the public interest in mind — this is not going to be pretty, but 45 days from today, every American will be able to compare my virtual track record with the actual track record of those seeking re-election, or in the case of a tiny handful that overcame enormous obstacles, those seeking election for the first time.

Journal: US Blows Off Haiti, No One Seems to Care…

08 Wild Cards, Civil Society, Gift Intelligence, Government, Non-Governmental, Peace Intelligence

Haiti Still Waiting For Pledged U.S. Aid

The Huffington Post

JONATHAN M. KATZ and MARTHA MENDOZA | 09/29/10

PORT-AU-PRINCE, Haiti — Nearly nine months after the earthquake, more than a million Haitians still live on the streets between piles of rubble. One reason: Not a cent of the $1.15 billion the U.S. promised for rebuilding has arrived.

The money was pledged by Secretary of State Hillary Rodham Clinton in March for use this year in rebuilding. The U.S. has already spent more than $1.1 billion on post-quake relief, but without long-term funds, the reconstruction of the wrecked capital cannot begin.

With just a week to go before fiscal 2010 ends, the money is still tied up in Washington. At fault: bureaucracy, disorganization and a lack of urgency, The Associated Press learned in interviews with officials in the State Department, the Senate Foreign Relations Committee, the White House and the U.N. Office of the Special Envoy. One senator has held up a key authorization bill because of a $5 million provision he says will be wasteful.

Meanwhile, deaths in Port-au-Prince are mounting, as quake survivors scramble to live without shelter or food.

Read rest of story…

Category: Collaboration Zones

Journal: Finally, A Break in Foreclosures