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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>gbyijiams.info</title> <atom:link href="http://gbyijiams.info/feed" rel="self" type="application/rss+xml" /> <link>https://gbyijiams.info</link> <description></description> <lastBuildDate>Tue, 18 Jul 2023 07:14:09 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Online Cash Advance Loans – Quick Access to Immediate Cash</title> <link>https://gbyijiams.info/48</link> <comments>https://gbyijiams.info/48#comments</comments> <pubDate>Tue, 18 Jul 2023 07:14:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=48</guid> <description><![CDATA[What would you do in a scenario when your car is not in a perfect condition and requires servicing? Assuming you can’t use your credit card and need to pay in cash, online cash advance loans come to your rescue. … <a href="https://gbyijiams.info/48">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> What would you do in a scenario when your car is not in a perfect condition and requires servicing? Assuming you can’t use your credit card and need to pay in cash, online cash advance loans come to your rescue. They are the fastest means through which you can address your immediate requirements and meet them at the earliest.Advances on Your PayApplying for a cash advance loan is easy and you don’t have to come up with any kind of surety like assets, bank statement etc. Instead, it is simply secured on the next pay check you receive. Once the loan is approved, it directly gets deposited in your bank account and so there’s no trouble of writing checks towards your repayment. Makes your job so much more easier, doesn’t it? The maximum limit of the quick cash you can borrow through a payday loan advance is $1,500 at a time.Advantages of Online Payday LoansIt is practically the easiest way to get instant cash advance against your pay check and there are loads of advantages linked to payday loans. Some of them are as follows:* Get cash loans approved faster than any conventional loan that you might take from a bank* You can apply for a cash advance just by logging on to the website and entering few details as compared to personally visiting a store and filling long forms* Get instant approvals once you meet the eligibility criteria* It is not mandatory for you have a flawless credit history to apply for your cash advance* The Submission of proof for identification is discarded when you are applying online* No requirement of any documents that need to be faxed if you are applying online* If you meet the eligibility criteria and once your request has been approved, you will have access to your cash that will be transferred directly to your bank account within 24 hours* A nominal amount is charged as a fee towards your online applicationImportant Factors to ConsiderMost of us get influenced and carried away when it comes to applying online as it is convenient and doesn’t require our physical presence. However, there are a few important points that you need to understand before committing and they are:Since security is a big matter of concern over the internet, you need to make sure there is no breach in the information that you are providing.* The first and the foremost point you need to keep in mind is the quality of the website and check if its SSL secured* Every website has a digital security seal which shows it’s a trustable website and holds a valid licence for its services* The terms and conditions should be read thoroughly in order to avoid any further problems* Unless and until you read and understand complete details and are satisfied with the terms thoroughly, don’t go ahead and make your online transactionNow you know where to turn to when you are in a desperate situation and need quick money. Yes, online cash Advance loans is the right solution! <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/48/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Auto Loan Programs Help You To Buy a New Car</title> <link>https://gbyijiams.info/46</link> <comments>https://gbyijiams.info/46#comments</comments> <pubDate>Tue, 28 Mar 2023 15:58:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=46</guid> <description><![CDATA[Are you in your pursuit to buy your first dream car? Are you confused with the funding resources and do not have a way to buy your dream car? Leave your worries. Here is a new way to support your … <a href="https://gbyijiams.info/46">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Are you in your pursuit to buy your first dream car? Are you confused with the funding resources and do not have a way to buy your dream car? Leave your worries. Here is a new way to support your dream. Auto loans help you to fulfill the dream of driving a luxurious car. You can have the luxury of owning a new car with the help of easily available auto loans. People have multiple financial lenders, credit unions, banks, private party lenders to get the auto loans. There is a tough competition in the loan industry which makes the people to get cheaper interest rates.Auto loans program help you to buy the car instead of getting it later. This also helps you to improve your credit score in the long run. How to get an auto loan? I have explained some steps to be taken while you are applying for a new loan.Examining your options will help in knowing your financial state. Do not restrict yourself with the dealership loans offered by the manufacturers. You need to have a better idea on your credit score before attempting to get the loan. You might have to do some negotiations in case the credit score is poor. There are plenty of lenders available from whom the loans can be obtained even in the worst condition.Do not be deceived at any stage. Auto loans are available for every individual irrespective of the credit score. If you have a great credit score, be encouraged. You have good chances of getting the loan amount required. However, even those with perfect credit scores should be warned off certain things. There might be many clauses included which would bring heftier price tags at the end. Do not be deceived by fancy interest rates and offers.The important criteria to be checked are the interest rates. There are basically 2 types of rates: Fixed interest rate and floating interest rates. The former kind does not fluctuate with the market forces and will remain fixed for the entire loan tenure. However, it might seem to be higher during the initial stages. This will be beneficial in the long run. The floating interest rates will have a variable interest charge and is dependent on fluctuating market forces. As long as the economy does well, this rate of interest will go up and it will hit when you are unprepared for the hike.Do not choose auto loans that will drag on far beyond the stipulated time where the car might lose its brand value. Look for a loan whose payment can be easily handled and that will not last long. It is good to repay the loan with ease and speed. Making higher payments than the required one will ease out your financial burden. If you find that you cannot repay your loan promptly, do not take any chances and go for loan refinancing options. Altogether, there are several opportunities for the borrowers to get auto loans to fulfill their dream. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How People With Bad Credit Can Get an Auto Loan Online</title> <link>https://gbyijiams.info/44</link> <comments>https://gbyijiams.info/44#comments</comments> <pubDate>Tue, 28 Mar 2023 13:46:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=44</guid> <description><![CDATA[If you have bad or poor credit ratings and you need a car to fulfill your computation needs, chances are you might be confused as to how to go about it. You have a dire requirement for a car, but … <a href="https://gbyijiams.info/44">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you have bad or poor credit ratings and you need a car to fulfill your computation needs, chances are you might be confused as to how to go about it. You have a dire requirement for a car, but you just ca not manage to get one. In most cases, when an applicant applies for an auto loan, and knows he or she has poor credit ratings, there is a common feeling that things are not going to work out. Well, the good news is that that particular feeling is a misconception. Things are possible.You can get your auto loan even with lousy credit ratings. The main reason why that is possible is because many subprime loan providers offer auto loans with bad credit. You can get your car loan, but you need to know a few facts about how the car market works, and you also need to organize and prepare yourself for your car loan. The article tries to help any individual with poor credit scores prepare for the credit facility by providing some of the necessary, and much required information that is related to acquiring loans with poor credit ratings or scores.Credit scores to qualify for the car loanLoan providers generally consider credit scores within the range of 500 to 680 while providing the car loans. The minimum score that is required is 500 to qualify for the loan. Creditors prefer not to entertain applicants whose credit ratings are below that level for the simple reason that the applicants automatically become subprime candidates, and the risk factor associated with the loan repayment increases. Loan providers always prefer to play it safe, especially in these troubled economic times when the market conditions are bad, and many individuals are facing pay cuts and job losses.If you happen to have poor credit ratings, and desire to go in for standard auto dealers or creditors who provide auto loans, it is recommended you improve your credit ratings by engaging in a credit score recovery program. If you are pressed for time, and it is important to avail your car on a priority basis, it is advised you search out for creditors who specialize in providing credit facilities to people who have low FICO scores and bad or poor credit ratings. Many creditors provide poor credit car loans, and the best place to find them is to be online and search the net by Googling with the correct keywords.Required monthly incomeGenerally loan providers look out for a monthly income that is within $2,000 to $2,500. The other factors considered are what kind of overheads or fixed monthly expenses the applicant incurs, in addition to other financial liabilities associated with maintaining the family. If your monthly paycheck is within the range, you are most likely to qualify for the auto loan. In case you are not, there is an option to go in for some additional income by taking up some part time job, or even take up some project work that helps in getting some extra money. In any event, you need to earn the required amount every month, and make sure there is proof regarding your total monthly income, which you can submit along with your loan application. In case you ca not come up with the required monthly pay, you can always find a car loan lender who can provide a bad credit auto loan.Credit bureau and the length of your recordThe reliability of a person is loan repayment is reflected in the credit records. If the credit history is short, it does not give much information about how the particular individual has repaid the credit borrowed. And this issue worries the creditors. They look out for consistency as far as loan repayment is concerned. And the only way they can come to know about it is through the credit records maintained with the credit bureaus.Even if the credit record is not that good, if there is enough evidence that the applicant has eventually redeemed the loan, the creditor is likely to consider the loan application. However, if the applicant does not have a longish credit history, the creditor is going to be hesitant while considering the application. If you do not have the required credit history, it is recommended you contact a loan expert and work out other options as to how one can compensate for the deficiency of the credit records. One possible way is to go in for a co-applicant how has the required credit history, or maybe go in for a co-signer who can provide a guarantee on your behalf.The down payment factorThe money you pay as a down payment makes a substantial difference. In fact; it is the major factor which decides the extent to which you will get your auto loan. The greater the amount, the better the chances you have of getting your required credit. Creditors understand if the person makes a bigger down payment, he or she is more committed in redeeming. Another advantage the creditor has is the fact that a substantial down payment reduces the net payable interest and the loan balance. The risk factor gets reduced. So if possible go in for a greater down payment to increase your chances of getting your loan, if you have poor credit ratings.The rate of interestEvery loan, whether it is a car loan or a mortgage loan is associated with a certain rate of interest. The fundamental objective of the loan provider, any loan provider for that matter, is to make money through the interest rate. If you find it difficult to qualify, you could offer to pay a higher rate of interest for your car loan. It might interest the creditor, and tempt him or her in providing you with the loan.Be honestPeople tend to hide their negative points. There is a general tendency to lie about things if one feels one can get away with it. The problem is as far as credit history or records are concerned, everything is recorded and in black and white. Your creditor will definitely know your credibility through the credit bureau. So if you lie while filing up the application form, it just would not work. it is very likely your application well get rejected on the grounds of misleading or false information. Providing wrong information intentionally can be a criminal offense in some of the states, and can even instigate a litigation or a law suit. So honesty is the best policy while applying.Know the creditorIt is important to know about the creditor is background. At times, creditors have personal preferences as to who they desire to fund. One can check out the client history and get a certain idea as to what kind of clients the creditor favors, and which applicants are rejected. Generally there is a patter in the manner of rejections. If you feel you probably belong to the “rejection” category, it is advisable you find a different creditor who is likely to honor your application.The car itselfThe car that you choose plays a major part in deciding the parameters of the car loan. The down payment, the rate of interest, the tenure, etc depends upon the make and the model of the car you decide to buy. The lower the cost of the car, the greater the chances of getting your loan approval. it is worth thinking about a “used” car as a possible option if you do not have proper credit ratings. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How A Complete Body Health Check Up Can Uncover Hidden Diseases</title> <link>https://gbyijiams.info/42</link> <comments>https://gbyijiams.info/42#comments</comments> <pubDate>Tue, 21 Mar 2023 16:43:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=42</guid> <description><![CDATA[Dalai Lama: “Man surprised me most about humanity. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health… “You get your car tuned-up every year. Why wouldn’t you get an annual medical … <a href="https://gbyijiams.info/42">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Dalai Lama: “Man surprised me most about humanity. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health… “You get your car tuned-up every year. Why wouldn’t you get an annual medical check-up as well? An annual health check-up or periodic health check is useful as it can help to detect and identify diseases or the warning signs of an impending disease very early. This makes treatment a lot more effective, less expensive and less invasive. In addition to detecting such diseases before a patient turns seriously ill, such periodic check ups also give you a detailed update on various health parameters like cholesterol levels, blood sugar levels, blood pressure and body weight. This helps to gauge your overall health and it enables health care providers to assess health risks and advise you on lifestyle on dietary measures to counter such risks.Benefits of an annual health check upThere are several advantages of a regular complete body health check up with a doctor. One of the most important benefits is the prevention of disease. Preventive health checks are important especially for individuals with risk factors for different health conditions. A master health check up can also aid in the early detection and treatment of a health problem, which is valuable especially in cases of cancer. The examinations and laboratory tests that will be done during a health check up vary depending on an individual’s age, sex, family history, and lifestyle. Health check ups also promote better patient-doctor relationships and allow the doctor to promote healthy habits through patient education.Composition of a regular health check-upBesides an overall physical examination, which includes the eyes and teeth, a standard health check up is meant to assess the functioning of the heart, lungs, digestive system, liver, kidneys and, immune system status. Sometimes certain cancer-specific tests like PSA (Prostate-Specific Antigen) for men and mammography and some gynecological examinations in women are also included.A body health check up primarily comprise pathology (blood and urine), imaging (x-ray and ultra-sonography), lungs function test and cardiac stress test. These tests should ideally be carried out in an accredited laboratory or a hospital which is equipped with the best diagnostic tools. It is very important that the results of these tests be interpreted and examined by qualified physicians.Common investigations in a regular health check upA regular health check up will comprise of the following investigations:1. General Physical Examination (body weight, blood pressure, pulse rate, etc.)2. Laboratory investigations:a) Complete Haemogram: It is a panel of tests to examine different components of blood and used as broad screening test for such disorders as anemia, infection, and many other diseases.b) Lipid Profile: Used to assess the risk of developing cardiovascular diseases.c) Liver Function Test: Used to assess the functioning of the liver or diagnose liver diseases.d) Kidney Function Test: Used to evaluate how well the kidneys are functioning.e) Blood Sugar: Used to measure blood glucose for checking pre-diabetes and diabetes.f) Chest X-ray: Used to examine the chest and the organs and structures located in the chest.g) ECG/Treadmill Test: Used as a diagnostic tool to measure the rate and regularity of heartbeats and for assessing cardiac stress.h) Ultrasonography of the abdomen: Diagnostic imaging technique used for visualizing organs and structures in the abdomen including the liver, gall bladder, spleen, pancreas and the kidneys.i) Urine Routine Examination: Used for general evaluation of health, metabolic or systematic diseases.Getting the right type of body health check up is important and while considering it, certain factors like age, lifestyle, family history, and risks should be taken into account. Regular health examinations and tests help detect problems before they start. Opting for a right health check up, screenings, and treatments means one is taking steps to help one live longer and healthier life.If nothing else, it gives important information about one’s body to ensure peace of mind and to make lifestyle adjustments. Even the most basic body health check up can identify underlying illnesses. An illness picked up in the early stages is, after all, far easier to cure. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Banks Have a Lot of Reasons to Reject Your Small Business Loan</title> <link>https://gbyijiams.info/40</link> <comments>https://gbyijiams.info/40#comments</comments> <pubDate>Tue, 21 Mar 2023 15:53:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=40</guid> <description><![CDATA[For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks … <a href="https://gbyijiams.info/40">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under:Reasons for Banks to Reject Your Small Business LoanCredit HistoryOne of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.Risky BusinessYou must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.Cash FlowAs stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.The DebtA mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.The PreparationSometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.</p><p>Income tax returns</p><p>Existing loan documents</p><p>Personal financial documents</p><p>Affiliations and ownership</p><p>Business lease documents</p><p>Financial statements of the business</p><p>You have to be exceptionally careful when these documents and presenting them to the bank. Any discrepancies can result in loan rejection.Concentration of CustomersThis one might come as a surprise to some, but a lot of banks consider this aspect of your business seriously. You must not forget that loans are banks’ investments. Businesses that approach the banks are their vehicles to multiply their money in the form of interest. If the bank senses that your business does not have the potential to expand, it can reject your loan request. Think of a mom and pop shop in a small town with a small population. If it only serves the people of that town and has no potential to grow further, a rejection is imminent.In this particular case, even if the business has considerable profit margins, it relies on its regular customers for that. The bank might see it as a returnable loan but not as an investment opportunity.ConclusionThe good news is that you have a lot of funding options as a small business owner. Today, banks are only one of the many options for you to fund your bank. You don’t necessarily have to apply for loans when you have crowdfunding platforms actively helping small business with their funding needs. If you are seeking a business loan from a bank, that’s fine. However, if the bank does not approve your request, it should not worry you much. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Ten Things to Know Before Hiring a WebLogic Consultant</title> <link>https://gbyijiams.info/38</link> <comments>https://gbyijiams.info/38#comments</comments> <pubDate>Tue, 21 Mar 2023 14:51:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=38</guid> <description><![CDATA[Have your business applications given you performance headaches at some point during their lifecycle? Maybe you resolved the problems and the application was able to keep servicing your customers and performing its business function for you.But no doubt there were … <a href="https://gbyijiams.info/38">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Have your business applications given you performance headaches at some point during their lifecycle? Maybe you resolved the problems and the application was able to keep servicing your customers and performing its business function for you.But no doubt there were other times when you tried to solve the performance problems internally, but sadly-and expensively-you didn’t succeed. To keep future hassles away, you probably (a) added more hardware or, worse yet, (b) started a server recycle program to minimize the damage to your production.As a result, the performance is still sub-optimum, your company is losing money, and your customer satisfaction keeps sinking. To get your application back on track, you’ve decided it’s time to bring in a professional performance consultant.You’ve made a smart decision. But now you face the challenge of finding the right person. You must find someone who can quickly identify the performance problems, resolve them, and implement a plan to bring stability to the application.But that’s just for starters. You also need someone who’ll work well with your team and can put standard operating procedures in place to stabilize the current environment and prevent future problems. Plus, this person must be able to transition the best practices to your team clearly and effectively.As you can imagine, it’s tough to find all these qualifications in one person. Performance consultants are not all created equal. When the time comes to look for your professional performance consultant, here are the 10 key things to keep in mind:1) SOLVABILITY: The performance troubles you’re facing are common, and cost many companies money. The good news is these problems are solvable. But companies often have a consultant look at an application and he or she decides the problems are just too complex or aren’t solvable.For example, one company had a software pricing engine that was critical to the business: if the pricing engine was down, the company lost revenue. The CIO admitted that to remedy these problems, they’d have to add more servers. The standing architect said he’d need 240 new servers to handle the load volume.I came in, did some testing and found that the performance troubles stemmed from the amount of memory the current application was using. My options in this case were limited: I couldn’t rewrite code or change architecture, but I was able to change the Java Virtual Machine for the poorly performing application. This alternative JVM was more forgiving on memory consumption. With new settings, the company was able to scale back from buying the 240 new servers to only 10. Imagine the cost savings!RULE: Performance problems are common and above all solvable. Sometimes the creative solutions are the ones that offer the most cost effective results.2) FUNDAMENTALS: A performance consultant must possess a certain amount of common knowledge. Ultimately, you’re looking for a specialist in identifying and resolving performance issues. This person must be well-rounded technically. Here are some basic qualifications to look for:a. JAVA: the foundation of the application server. Don’t hire someone to identify and solve Java Application Server issues if they don’t have a strong foundation in JAVA. At a minimum, they must understand threads, know how Java uses memory, and be able to read stack traces and write test cases.b. Networking: includes Load Balancers, Network Interface Cards (NICS) on the boxes, firewalls and anything that’s responsible for routing traffic to your applications. Your consultant must be up to speed on these.c. N-Tier: These architectural designs add complexity to any system Java Application Servers. Having solid experience with other n-tier applications will help the consultant look at your big picture.d. J2EE Specifications and Standards: having someone who understands the J2EE specifications is a must.e. Operating Systems: make sure the consultant has experience with your platform. If you’re UNIX, make sure they have Unix skills.f. Database: At a minimum, your consultant should understand Structured Query Language (SQL), and be able to identify long-running queries with your database version.RULE: Understanding basic fundamentals will enable your consultant to adapt to your unique environment quicker and cure your ills in a shorter time.3) SKILL SET: Systems are so complex that it’s understandable why companies bring in the wrong consultants to find and fix performance headaches. The problems could range from a code bug, a vendor code or a tuning issue to technical architecture troubles and sometimes an application architecture issue. Consultants have varying levels of skill and expertise. Some are strong in architecture and others excel in systems. They could have a development background or something totally different.Before you start interviewing consultants, consider nailing down the skill set you’re looking for. I once had a customer who hired a consultant with a strong architecture background to come in and look at the company’s performance problems. After doing some analysis, the consultant told them the architecture for the application was wrong and that they’d have to re-architect their systems. I took a look at the same system and found the trouble: a combination of application settings and a bug in the underlying operating system. Once I fixed those, the system performed much better and didn’t need re-architecting.If you hire a specialist in a particular area, expect the recommendations you get to reflect their field of expertise. Understand what you’re looking for before you open your door to any consultant.RULE: Identify the focal point of where the problems are, and then hire the best generalist to help you find where they are.4) BIG-PICTURE THINKER: One of the advantages of bringing in a consultant is seeing your operation from a new and different point of view. Plus, it’s a great way to learn the latest about what other companies are doing or new trends that are changing your industry. These insights can enable you to see the big picture and how your environment(s) compare with others’. A big-picture thinker can help you understand how other companies are managing their Java Application Servers.The true big-picture thinker can look at your environment and help make recommendations beyond your current performance difficulties. You’ll discover solutions for problems related to architecture, systems selection, load-testing capacity and other aspects of the system, such as its technical architecture. This lets you to plan for the future with your systems. It helps you act proactively rather than reactively.RULE: Find a consultant who’s a big-picture thinker, someone who can see beyond your immediate needs and give you insightful recommendations for the best-practices approach to running your applications.5) GOOD BEDSIDE MANNER: One of the most valuable assets of a top consultant is excellent people skills. Production problems put extreme stress on people, so when you’re bringing in a consultant, it’s vital to find one who can communicate effectively and build instant rapport with your team. Getting a handle quickly on what’s happening with your system requires good communication skills all around. This means the ability not only to communicate with others but to interact well with them and build a positive relationship with your team. You need someone who can come in and quickly add value to your team.I’ve lost count of how many times I’ve heard someone complain that a consultant simply came in, asked some questions and produced a report. This benefits the company hardly at all, and will leave a team working to bring stability to the system feeling alienated.RULE: You want someone technical who can diagnose your situation, but most important, be able to communicate those findings well to the team they’re working with.6) SELECTIVITY: It’s better to hire no consultant than a bad one. Hiring the wrong person for the job can cause you more problems than solutions. A good rule of thumb: if you have any reservations about the consultant, then follow your instinct and don’t hire them.Sure, you’re under pressure to clear up the trouble, but think about who you’re bringing in to do it before you give the green light. Not only are you bringing in a consultant to tackle performance problems, but you’re also going to need one or more dedicated resources to assist. If you adopt the recommendations of someone you were wary of to start with, you might end up with more headaches than if you hadn’t brought anyone in.RULE: Make sure the consultant you choose is technically qualified to address your particular problems. Be picky and get the best consultant.7) DOMAIN EXPERTISE: Besides the ability to troubleshoot, customers usually look for a specific application skill. It’s actually a mistake to narrow your focus only to such skills. The engineers might focus on a specific application, but what you really need is a different skill set to help turn the situation around. You need someone who can think outside of the application to bring light to the system as a whole, not just the application in question.You probably haven’t found the application skill set for the problems you’re having, or the performance-troubleshooting skills, either. Application specialists might have the business logic understanding, but most of them are light on the troubleshooting aspect.RULE: You’ve probably identified the right skill set(s) to handle technical or business problems with your application. Consider looking for a consultant who can augment your internal knowledge.8) MANAGING EXCEPTIONS: Suppose you’ve narrowed your field of consultants and have found the perfect one for the job. You’re ready to bring this person on board. Make sure you’ve both explained and documented your expectations with the consultant before starting the engagement. You must identify, up front, the deliverables and artifacts that you expect before the work starts. If a report or a recommendation is due, make sure you negotiate this up front. Have regular checkpoints during the engagement to ensure you’re getting what you expect.If you expect any deliverables, bear in mind that this usually adds time to an engagement. Allocate time during the engagement, with checkpoints, to finalize reports and deliverables.RULE: Manage the expectations up front by determining exactly what the consultant will do. Specify verbally and in writing any deliverables and checkpoints that the consultant must meet during the engagement.9) SOFTWARE SOLUTIONS: Customers are always buying expensive software, hoping this will solve the performance problems on their systems. Be wary of consultants who want to install software they say will cure the ills in your environment. The truth is, installing a software package usually adds overhead to the system and opens the door to increased instability.If a consultant needs to install software to help identify the issue, limit the footprint to one server in the cluster or to a non-production environment first. In some cases, you do need to install software. Consultants might also need to install tools to find the root cause of a problem. Those tools are only as helpful as the person who’s going to analyze the data. Installing the software won’t necessarily lead to the correct action.RULE: Software packages add overhead and can actually worsen instability. Remember, once you let a consultant install the software, you’ll l also need someone who can interpret the data and take action on them.10) PROCESS: Solving problems in any environment will give you some immediate relief from performance headaches. There are usually multiple reasons for performance problems. Imagine you resolve an issue and send the consultant home, having new confidence in your system. Then two months later you launch a large marketing effort and find yourself with your site down again. Or imagine you brought the consultant in during non-seasonal loads and are now in the middle of your busy season.Solving the problem is not the most crucial goal of the engagement. The most crucial goal is to understand how the problem was solved. What tools did the consultant use? Is this something you can build into your best practices to minimize performance troubles early in the development lifecycle? And how can you put a process in place for continual improvement?RULE: Create a process to improve your system continually. Fixing a problem one time only sets you up for your next fire drill.SUMMARYFirst, find a strong technical professional who has superior communication skills and can understand the big picture, in terms of what n-tier application architecture looks like.Second, look for a consultant who isn’t afraid of challenges, has worked through similar problems in the past, and has a well-rounded track record of experience.And third, as I stressed above, it’s often better to bring in no consultant than the wrong consultant. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Penalties for Operating, or Selling, a Residential, Unlicensed HMO Property</title> <link>https://gbyijiams.info/35</link> <comments>https://gbyijiams.info/35#comments</comments> <pubDate>Tue, 21 Mar 2023 12:51:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=35</guid> <description><![CDATA[In 2004, following widespread public outrage, at the manner in which many unscrupulous landlords were treating their tenants, who were all living in shared accommodation properties, the 2004 Housing Act was introduced. The objective of that Act was to introduce … <a href="https://gbyijiams.info/35">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In 2004, following widespread public outrage, at the manner in which many unscrupulous landlords were treating their tenants, who were all living in shared accommodation properties, the 2004 Housing Act was introduced. The objective of that Act was to introduce mandatory HMO (House of Multiple Occupancy) Certification, for all residential properties, with more than 4 rentable bedrooms, a Local Authority status of multiple tenancy, and where the tenants were from at least two separate households.In the following activity, this was no mistake. This was a deliberate criminal conspiracy, not just to get the borrower to unintentionally to enter a contract to purchase an unlicensed HMO, but also, by getting them to accept an illegal vendor gifted deposit ( proven by the SRA, in 2010, of being dishonestly concealed from the lender, not by the borrower, but by their conveyancer, not once, but in at least 452 occasions, this was used in an attempt to put all the blame on the borrower as being guilty of mortgage fraud.On top of that, the Mortgage Security Value (MSV), was, in many cases, proven from us seeing nearly 100 such MSV’s, done on a deliberate breach of contract by the borrower, against the lender, as having been fraudulently estimated on a commercial basis, which the lender, after seeing this MSV report, knowingly used as if it was the REAL MSV.When the lender, after many complaints from affected borrowers, eventually took successful legal action, in many cases, for professional negligence against both the valuer and the conveyancer involved, instead of writing off those fraudulent contracts, and including in their High Court claim, the cost returning those affected borrowers to the financial status they would have enjoyed had they not been deceived into entering a contract containing at least 1 false instrument, the lender accepted an arbitrary, out of court settlement, that they then used to reduce the alleged mortgage shortfall.But the real issue here, was the fact that in most cases, as most properties had more than 4 bedrooms, and a local authority status of multiple tenancy (proved by at least 90 fraudulent GMAC commercial valuations, presented to the lenders as if they were the real msv), these properties were sold, either fully tenanted, or with a vendor rental guarantee payable for up to 6 months, each of these properties, due to the 2004 Housing Act, without mandatory HMO certification, were not only illegally tenanted, they were also criminally sold to an unsuspecting landlord.From that point onwards, it would have been a criminal offence for a landlord, not only to manage such a property, but also to sell such an unlicensed HMO to another unsuspecting landlord.So how was it possible, in 2005, for a well-known property developer, with a Top 500 Law Firm acting as their Corporate Lawyer, to launch the following Business Model?The 2005 Business Model, based on selling hundreds of unlicensed HMO properties.The main features of this 2005 business model, were based on the following: -<br />Every property’s Mortgage Security Value (MSV) was to be estimated by an RICS-qualified surveyor.</p><p>Every property was sold with the benefit of a vendor gifted deposit.</p><p>Every property was sold, specifically for use as shared accommodation for student tenants.</p><p>Because of that, each property must have had a Local Authority status of multiple tenancy.</p><p>Every property was to have a landlord, selected by the seller, to install a full complement of tenants, prior to the sale, or a 6-month retail guarantee to be paid by the vendor.</p><p>As most properties had more than 4 rentable bedrooms, unless they had mandatory HMO Certification, they would have been classed as unlicensed HMO ‘s. </p><p>The Lenders were all selected by the vendor’s in-house Broker.</p><p>Before we analyse each of the above sales features, consider this.After the introduction of this 2004 Housing Act, all of these rogue landlords, at which the 2004 Act was aimed, would have found themselves between a rock and a hard place. They would either have to had pay to have their properties modified to meet the new HMO Certification standards, or to try and dispose of them, rapidly, in their unlicensed state.If a large property developer came along and offered to buy these portfolios of unlicensed HMO s, unless that property developer bought them, in full knowledge of their unlicensed state, that would have been a criminal act by the seller. In any event, if the buyer had cash, that would have been an opportunity to snap up those properties, at a very good price.Once purchased, unless the new owner made good, and got these properties up to HMO standards, it would have been a criminal act of the developer to sell these unlicensed HMO properties to unsuspecting other landlords/investors.Also, a number of large (20 to 40 unit or more “Cluster flats”) were purchased by this developer, most of which had more than 4 bedrooms, and as most were tenanted at time of acquisition, that acquisition would have been ILLEGAL. In most cases, all these units were then sold on, illegally, as unlicensed HMO s.Now let us analyse this Developer’s seven sales feature in more depth: -<br />MSV estimate. In at least 90 cases that we have in our possession, the MSV was done in breach of contract against the Lender’s specific instructions, which was to estimate the MSV, as if being sold with vacant possession, and with a Local Authority status of Owner Occupier. It was seen to have been done on a commercial basis, using anticipated rental income, and a Local Authority status of multiple tenancy. Furthermore, in the 90 or so MSV’s in our possession, the valuer added something similar to “If the anticipated rental income should fall, this will seriously affect the valuation we have estimated. Also, if this property were to revert to “Owner Occupier” status that would also affect our valuation.”</p><p>This commercial valuation was then substituted for the REAL MSV, presented to the lender, as if it was as requested.</p><p>As the Lender would have seen that MSV, prior to issuing their mortgage contract, they would have been aware that they actually lending 85% of the COMMERCIAL, and NOT the real MORTGAGE valuation. I believe that was an act of deception by the Lender.</p><p>Furthermore, as the lender would have seen evidence from the conveyancing file, that showed the property to be sold, was an unlicensed HMO, that was also a Criminal act by the lender.</p><p>Vendor Gifted Deposit. In the SRA’s three-year-long Disciplinarity Tribunal investigation into the most prolific of the 5 law firms selected by vendor, to act for the borrower, in 2010, that law firm was struck off, as they had been responsible for dishonestly concealing the Vendor gifted deposit from the lender, not once, but in 452 occasions.</p><p>This proven act of dishonesty by the buyer’s conveyancer, must have resulted in the Lender having to write off that mortgage, and pay the borrower any appropriate damages as result of the criminal actions.</p><p>Why did the SRA, in 2010, not pass on this information to the Financial Authority (FCA), who would then have forced the above action?</p><p>Why did the SRA, in 2010, not pass on this information to the Serious Fraud Office team, who were, from 2007 – 2010, also investigating the actions of this developer?</p><p>Why had a High Court, in a recent claim by a Lender, for a mortgage shortfall arising from the sale of a KNOWN unlicensed HMO, found the innocent borrower, guilty of mortgage fraud?</p><p>Sold for use as shared tenancy accommodation. From most conveyancing files, evidence of the property’s use as shared tenancy accommodation would have been seen. There can therefore be no blame of concealment placed against the borrower, as being responsible for concealing that fact from the lender.</p><p>Local Authority status of shared Multiple tenancy. Once again, from the 90 or so MSV’s in our possession, the Lender was fully aware that their lending terms did not permit that particular status, but still proceeded to issue their mortgage contract.</p><p>Tenanted prior to sale. Once again, in many cases, the Tenancy Agreement for multiple student tenants was present in the Conveyancing file. Why did the lender permit that breach of their own lending rules?</p><p>Tenanted in situ. This was probably the most deceitful act by MPUK. Prior to every property being sold, to be entitled to all the sales benefits on offer, each purchaser had to sign an agreement with MPUK, prior to sale, to allow MPUK to appoint a landlord, to both manage, and tenant, the property, including collecting, and holding, the deposit. This was usually either First City Rentals, or Rent-Me (both owned and controlled by MPUK). In a number of cases, either of these companies were actually the legal vendor.</p><p>This meant that the landlord/vendor was fully aware of the fact that the property was being used as shared tenant accommodation, and, if the property had more than 4 bedrooms, due to the 2004 Housing Act, would have required mandatory full HMO Certification. This would have been an illegal act on behalf of the landlord, as well as a criminal act to sell it in that state to another unsuspecting owner.</p><p>As in many cases, no promised renovation had taken place, and any extra bedrooms added in the loft and basement areas in the loft and basement, if done at all, were of such poor quality, the tenants would complain to their landlord. However, the landlord would ignore those complaints, and so, in many cases, the tenants would leave, and demand their deposit back. One such new owner, unaware of the actual physical state of this property he had purchase unknowingly, without HMO Certification, had a solicitor’s letter from one of the tenant’s parents, demanding the return of the deposit, which of course, landlord had kept.</p><p>However, due to many “legal” tenants leavening in this manner, due to these legitimate complaints being ignored, they were replaced, in many occasions, by asylum seekers, who paid very little rent, also had no respect for the property, and in many cases caused lots of damage. That act was also in breach of the lender’s condition.</p><p>Unlicensed HMO ‘s. As the 90 or so MSV reports in our possession, all show that all those properties, with more than 4 bedrooms, had a Local Authority status of multiple tenancy, and were therefore all sold illegally as unlicensed HMO ‘s. </p><p>Vendor Selection. Further to disproving that the borrowers were in any way involved with mortgage fraud, the lender was selected by the developer’s in-house Broker, as being suitable for the mortgage.</p><p>Now, in mid-2006, a well-known investigation firm, were requested by a Top 500 law firm, to examine the behaviour of this particular developer.Within 4 weeks, that independent organisation reported back to the law firm, and a number of borrowers, that” The investors had all become victims of a particularly vicious and clever fraud”.The question that must have been asked, but never was: “How was such a fraud able to be perpetrated, with so many Professionals involved?”Professionals Involved with the Vendor, in the initial sale.<br />The Property Developer, would have used the following Professionals:</p><p>A Corporate Lawyer, to monitor the Developer’s Corporate Governance.</p><p>Should they have agreed to let the developer to purchase unlicensed HMO properties? (Only if advice was given in writing as to the risks).</p><p>Should they have agreed to let the Valuer substitute a commercial valuation to the lender, as if it were the REAL MSV? (Both valuer and solicitor should have understood the true nature of the transaction.)</p><p>Should they have agreed to let the developer then sell on unlicensed HMO properties?</p><p>Should they have agreed to let the developer pay the borrowers’ deposits, in the form of a concealed Vendor Gifted Deposit? (Possible deception on the lender here.)</p><p>A Selling solicitor to implement the Developer’s business plans as detailed above.</p><p>Should they have agreed to let the developer purchase unlicensed HMO properties? (Actually, anyone can purchase it – it is the use that the property is then put to that may be a breach of law).</p><p>Should they have agreed to let the Valuer substitute a commercial valuation to the lender, as if it were the REAL MSV? NO!</p><p>Should they have agreed to let the developer then sell on unlicensed HMO properties? NO!</p><p>Should they have agreed to let the developer pay the borrowers’ deposits, in the form of a concealed Vendor Gifted Deposit? NO!</p><p>An RICS-accredited Surveyor.</p><p>Would the Vendor’s Corporate Lawyer, and the Vendor’s selling solicitor, permit a Commercial valuation to be presented to the Lenders, in place of the REAL MSV? (Likely deception on the Lender unless the Lender was party to the real nature of the proposal.)</p><p>Professionals Involved with the Lender, in the original sale.<br />A Corporate Lawyer, to monitor the Lender’s Corporate Governance</p><p>Should they have agreed to let the lender lend against unlicensed HMO properties? No!</p><p>Should they have agreed to let the Valuer substitute a commercial valuation to the lender, as if it were the REAL MSV? No!</p><p>Should they have agreed to let the developer pay the borrowers’ deposits, in the form of a concealed Vendor Gifted Deposit? No!</p><p>Professionals involved in any Mortgage Shortfall Claim.<br />A Lawyer acting for the Lender/Claimant, in any Mortgage shortfall Claim.</p><p>If that lawyer played a role in the original deceptions (of which we have several examples), there can be no legal reason for that Law firm to be legally allowed to participate in any mortgage shortfall debt chasing process. Surely it was the SRA’s role to investigate.</p><p>A lawyer acting for the defendant, in any Mortgage shortfall Claim, must treat seriously, any complaint raised by the borrower. In many instances, all the above issues had been disregarded by those lawyers.</p><p>Any lawyer, taking successful legal action against a Professional (such as a fraudulent valuation, (following the SRA’s successful claim of dishonesty against a conveyancer dishonestly concealing hundreds of illegal vendors gifted deposit), must ALWAYS take into account, any criminal loss or damage caused to the borrower. (Although this is a matter for the Court to assess).</p><p>Any lawyer, acting for a Claimant, must consider the criminal issues noted above. </p><p>Even though Buy to Let (BTL) mortgages were never regulated to the same strict level as residential mortgages, and not actually regulated by the Financial Services Authority (FCA), as such, neither the FCA nor the Financial Ombudsman Service (FOS), had no protocol to handle any btl-based complaints by consumer. However, every time a complaint was made to a lender, the lender would always send an FOS complaint form out.</p><p>With all the weight of the above, by what legal right did the Department of Public Prosecutions (DPP) in late 2010, force a three year long joint Police/SFO fraud investigation against just one particular developer, where at least a dozen valuers were arrested, to be closed, with immediate effect allegedly due to “Lack of Evidence”.<br />Although btl mortgages were not regulated by the FCA, in the same manner as a Residential Mortgage, if any CRIMINAL Activity was used by any professional, or the lender, as well as making any btl mortgage NULL and Void, that must have been dealt with by the police/SFO.Conclusion.The above illegal activities took place in relation to just one property developer, in which the SRA have identified 452 occasions where dishonesty had been proven. They also hold a list of some 600 other properties, financed by just one lender, who, on seeing the SRA 2010 Tribunal Report, immediately successfully sued one particular conveyancer, for mortgage mis-selling.Instead of paying anything out in damages to any of those deceived borrowers, not only did they come to a private, out of court settlement, wrote off all 600 mortgages, but never told any borrower for many years. Where there has been fraudulent concealment time does not run.What this must have meant, was that any property, that was sold to an unsuspecting landlord, as an unlicenced HMO, must have been a criminal act.As that was the case, then no property sales contract, nor any mortgage contract used to finance that purchase, would have been legally valid. From that, the following acts would have been illegal: -<br />The contract of sale by the vendor, to the buyer of the property would have been fraudulent.</p><p>The mortgage contract associated with that purchase, must have been declared Null and Void, and therefore unenforceable.</p><p>No lender would have had the right to charge interest payments against the mortgage.</p><p>Any County Court Order for repossession, by the Lender, would have been unenforceable, and an act of THEFT by Lender.</p><p>Any High Court Order for a Mortgage shortfall Claim by any Lender would have been unenforceable, and an act of THEFT by Lender against the borrower</p><p>There would be no excuse by any High Court, Property Division, not to have been aware of the implications of the 2004 Housing Act. The only way that could have been achieved, was if evidence had been concealed, or interfered with, from the Court.</p><p>There can also have been no legal excuse, for the DPP, in 2010, to close down a 3-year long SFO fraud investigation into this situation, where at least 10 valuers were arrested, with immediate effect, due, allegedly, to “Lack of Evidence”. After all, just one property sold as an Unlicenced HMO, was a criminal Act, let alone unknown hundreds of such criminal transactions.<br />Actions against potentially dishonest solicitors, financial advisors, mortgage lenders themselves, all need to be investigated.Also, despite a number of requests, the SRA have refused to disclose:<br />A copy of the list of 452 properties, (where, in 2010, the SRA had proven dishonesty by a conveyancer, Watson & Brown, selected by the developer to act for the buyers – an appointment that should have been censored by the SRA due to the potential conflict of interest that caused).</p><p>A copy of the list of 600 properties, presented to the SRA by GMAC, during the SRA 2007-2010 Disciplinary Tribunal investigation into the above conveyancer firm, (where Shoosmiths, on GMACs behalf, issued a successful High Court action against the indemnity insurers of Watson & Brown, for mortgage mis selling (proving all the above 452 mortgages must also have been mis sold). As a result of that High Court action, GMAC received an undisclosed out-of-court settlement, GMAC then wrote off all 600 mortgages but bever informed the borrowers of that, nor did GMAC offer any compensation for the mis sold mortgages.</p><p>This successful High Court action by GMAC, must also have proven that all those 452 mortgage contracts, issued under the supervision of Watson & Brown, were mis sold Therefore, any future High Court action for a mortgage shortfall, by any lender, against any borrower, where Watson & Brown were the buyer’s conveyancer, must have had no legal right to do so. Also, as any mortgage contract, that was proven mis sold, it must be the lender’s responsibility to meet the borrowers’ losses.</p><p>Now, to achieve such a manipulation of evidence within our Legal System, can only have been possible, if there was a criminal conspiracy in place, to conceal the above situation.This conspiracy must have included the following: -<br />The Vendor</p><p>The Vendor’s Corporate lawyers.</p><p>The Vendor’s selling lawyers.</p><p>The Buyer’s conveyancer.</p><p>The RICS qualified Valuer</p><p>The Valuer firm’s corporate lawyers.</p><p>The Lender</p><p>The Lenders selling solicitor.</p><p>The Lender’s Corporate lawyers</p><p>Every law firm used to enforce any mortgage shortfall or repossession order,</p><p>Every law firm putting forward a defence for one or group of investors, for the Tort of being criminally sold an unlicenced HMO.</p><p>The SRA, for failing to regulate the law firm involved, and for failing to report its findings in regard to the sale of unlicenced HMO’s.</p><p>The FCA, for failing to regulate the lender firm involved, and for failing to report its findings in regard to the sale of unlicenced HMO ‘s,</p><p>The DPP, for failing in their duty to recognise the above issues, the majority of sales based on CRIMINAL ACTIVITIES, would have had more than sufficient evidence to proceed to prosecution. (Unless the Government of the Day had some influence here… ?)</p><p>To add insult to injury, with one particular Lender, within a few months of issuing what has now been proven to have been a Voidable Mortgage Contract, they would sell, by securitisation, that voidable mortgage contract to a second Lender. Sometime later, that second Lender, after repossessing the property, would take out a High Court Writ, for the alleged mortgage shortfall on that void mortgage contract. </p><p>Another point that must be considered here, is that, back in 2007, two legal Regulators became involved in investigating this crime, the Solicitors Regulatory Authority (SRA), and a joint West York’s Police Serious Financial Crime Unit, and the Serious Fraud OfficeAs soon as the SRA started their Disciplinary Tribunal investigation into the affairs of the main buyer’s conveyancer firm, back in 2007, there can have been no excuse for the SRA not to have been fully aware of the criminal implications of the 2004 Housing Act, and from the numerous victim statements taken back then, why did they not investigate breaches of that Act?Similarly, with the SFO fraud investigation, also started in 2007, why did they not investigate the illegal management and sale, of unlicenced HMO properties? However, during their investigations, a number of valuers were arrested (on what basis we do not know).What we do know, was that in 2010, shortly after the SRA published their Disciplinary Tribunal Report on one conveyancer firm, Watson & Brown, for dishonestly concealing from the lender, the presence of an illegal vendor gifted deposit, in at least 452 mortgage contracts, the Department of Public Prosecutions (DPP), ordered the whole SFO Fraud investigation to be closed down, with immediate effect, due, allegedly to “Lack of Evidence”.Surely, the only way to establish a “Level Playing Field of Justice” for the Borrowers, is to establish a government- sponsored Class Action.If you believe you have fallen victim of a similar deception, please send a copy of this article, with details of your particular property or properties, to the following organisations.<br />Your Member of Parliament.</p><p>Action Fraud.</p><p>Your Lender.</p><p>If you have been sued in a High Court by your Lender, send that High Court a copy.</p><p>Copy me in on any documents, so if we manage to get a Class Action going, you can be included.</p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Art and Entertainment Then and Now</title> <link>https://gbyijiams.info/32</link> <comments>https://gbyijiams.info/32#comments</comments> <pubDate>Sun, 26 Feb 2023 15:40:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=32</guid> <description><![CDATA[What is art and entertainment?Art and Entertainment is a medium which is liked by say by every person both are two sides of the same coin. The only difference it the materials for entertainment have a popular or mass appeal, … <a href="https://gbyijiams.info/32">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> What is art and entertainment?Art and Entertainment is a medium which is liked by say by every person both are two sides of the same coin. The only difference it the materials for entertainment have a popular or mass appeal, it can be understood easily by commoners whereas art involves are fined sense of understanding. The, difference between Van Gogh’s paintings and a James Bond movie. One is art the other is entertainment. But the purpose of both is relaxing the mind and generating a pleasurable feeling.Difference between art and entertainment.Art includes paintings, poems, sculptures, installations in studios and museums. Entertainment includes Hollywood movies, television serials, theaters, circuses.<br />Nowadays artists are trying to do more of interactive art so that there creation can reach to all, poems are taking the form of rap songs. Contemporary art is very much interfused with everyday issues, the problems or situations a person goes through. Aphrodite is a classical Greek art. Monalisa by Leonardo da Vinci is renaissance art done on poplar paper and oil paint. Pablo Picasso and Vincent Vangogh contribute to modern art. Postmodern art or contemporary art consists of Installations, Intermedia, Multimedia and Conceptual art. Brian Andreas, Allan Graham are artist of this age.Postmodern Installations.Installation art is a very new concept in postmodern art it is space specific three dimensional designed to transform the perception of space. Marcell Duchamp, Kurt Schwiters are father of installation arts. The Three dimensional affect of this art makes them unique from other art forms.Passing phases of entertainment.Man indulged in entertainment with stage plays the topics of Kings and queens, medieval dramas and folk songs. Entertainment resources shows the ways and nature of entertainment changed with time according to the changing demand of the public. Movies gain popularity with the invention of the camera. First was the silent era, only moving pictures without sound. The invention of sound recorder brought in the Talkies, movies with sound and dialogue. Latest technology is High Definition 3D movie Avatar. Entertainment is no longer limited to movies but have moved on to video gaming, internet gaming. Entertainment is an institution itself and has a business market of its own which is expanding rapidly. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/32/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understand Foreign Currency Trading in Detail</title> <link>https://gbyijiams.info/30</link> <comments>https://gbyijiams.info/30#comments</comments> <pubDate>Sun, 05 Feb 2023 23:52:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[Exchange]]></category> <category><![CDATA[forex]]></category> <category><![CDATA[Investor]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[Traders]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=30</guid> <description><![CDATA[Forex trading or foreign currency trading refers to a transaction in the Forex market involving the purchase and sale of different currencies. You don’t need to be a specialist or possess degrees to trade in foreign currency. It is fairly … <a href="https://gbyijiams.info/30">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Forex trading or foreign currency trading refers to a transaction in the Forex market involving the purchase and sale of different currencies. You don’t need to be a specialist or possess degrees to trade in foreign currency. It is fairly simple to understand and learn foreign currency trading.Let us start by understanding who the players are in this trading. Foreign currency trading is done between and among major financial institutions, central banks, retail currency traders or speculators, large international companies, government institutions, companies with overseas operations and the like.Trading in stock market is regulated by central exchanges. In foreign currency trade transaction is carried out at the Inter bank Market, which is also regarded as an OTC Market. The trade transaction is directly done between two counterparts over global electronic network. The main Trading centers of the world are Sydney, Tokyo, London, Frankfurt and New York operating 24 hours a day. Foreign currency trading begins each day in Sydney, and moves around the globe by moving to Tokyo, London, and New York. This offers flexibility to investors to take advantage of currency movements that are often caused by political, economic or social causes any time of the day.Anyone who intends to learn foreign currency trading with the goal of making profits in the market must understand the importance of tracking and analyzing price movement of foreign currencies. Various currencies of the world are given a three-letter code to be used in forex trading. Foreign currency trading always involves currency pairs, which basically is the exchange rate of one currency over another. The commonly traded currency pairs are GBP/USD, EUR/USD, USD/JPY, USD/CHF, AUD/USDHow does one actually book profits in forex trading?The thumb rule remains the same as any other product – buy low and sell high. To give an example a trader may decide to buy EUR and sell USD. Simultaneously he may buy USD and sell AUD. This buying and selling in Forex terminology is referred to as the trader going long or short respectively. In each currency pair the first currency is the base currency and the second one is referred to as the counter or quote currency.Another set of unique terminologies that you will come across frequently when you learn foreign currency trading is Bid and Ask price or spread. Bid price is the price at which a broker is willing to buy and ask price is the price at which the broker is willing to sell. Therefore Bid price is the price at which a trader should sell and ask the price at which a trader should buy.Forex trading is fairly simple to learn and you don’t need to be a genius to make profits in the Forex market. You have the choice of selecting the pair of currencies that you wish to trade in the, the size of the transaction and the price at which you wish to trade. Irrespective of the currency rate movements you can decide to buy or sell. And then again physical possession of the currency is not required to perform the transaction – you perform your trade transaction to buy one and sell other one to one.Before you actually commence trading it is however very crucial that you learn and understand the concepts of foreign currency trading clearly. You can make use of a number of online services available to assist you. Understanding Forex trading systems, the market psychology and managing risk will go a long way in determining your success in this market. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/30/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Hotels Near the Mississippi River</title> <link>https://gbyijiams.info/28</link> <comments>https://gbyijiams.info/28#comments</comments> <pubDate>Sun, 05 Feb 2023 05:58:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://gbyijiams.info/?p=28</guid> <description><![CDATA[The Mississippi River is a very large river system that passes through different states in the US. It is one of the more renowned attractions throughout the world. The area is suitable for a lot of exciting outdoor activities like … <a href="https://gbyijiams.info/28">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The Mississippi River is a very large river system that passes through different states in the US. It is one of the more renowned attractions throughout the world. The area is suitable for a lot of exciting outdoor activities like biking, wakeboarding, jogging and bird watching among others. Aside from the parks, attractions and other river systems that go through it, there are many hotel options that will make the tourist’s stay more satisfying.Hotels near the Mississippi River in Dubuque Iowa<br />Here are some of the best accommodations in Dubuque, Iowa:Grand Harbor Resort and Waterpark<br />This hotel is located at 350 Bell Street Dubuque, IA 52001. It is a 3-star accommodation that starts at $136 per night. Each room at this hotel has a 27 inch TV, wireless Internet, mini refrigerator, coffee maker and microwave as well as a hair dryer, 2-line speaker phone with voice mail and data port. They also have irons with ironing boards, game consoles, pay-per-view movies, room service and a fitness center. Their accommodations include a King room, Double room, Junior King Suite, Junior Double Suite, Turret Suite, Harbor View Site, Captains Fireplace Suite, Single and Double rooms.Holiday Inn Dubuque<br />This pet-friendly hotel is located at 450 Main Street Dubuque, IA 52001. Nightly rates start at $114. It is a 3-star accommodation with a total of 193 rooms in its 5 floors. They renovated last 2004.Amenities and facilities include a business center, free parking, fitness center with new equipments like treadmills, stationary bikes, stair steppers, benches, dumbells and a scale. The hotel also feature room service, a swimming pool, spa with whirlpool, daily and weekly housekeeping as well as dry cleaning services, an indoor pool, news stand and game rooms. For business travelers, the hotel has a business center equipped with PCs, fax machines, printers, secretarial services and wireless Internet access.Canfield Hotel<br />This hotel is located at 36 West 4th Street Dubuque, IA 52001. It is a budget-friendly hotel that offers guests with amenities like complimentary breakfast, parking, Internet access, telephone, alarm clock and comfortable beddings.Julien Inn<br />This hotel is located at 200 Main Street Dubuque, IA 52001. The nightly rate at this hotel starts at $89. It is situated along downtown Dubuque by Second and Main streets.Julien Inn has a total of 135 guest rooms. It also has a huge banquet area and an onsite restaurant, Alta Glocke. Other amenities and facilities include an alarm clock, Internet access, soft beddings, private bath, hair dryer and telephone among others.The hotel also has a long and interesting history. Julien Inn was first known as Waples House. It is recognized for its extravagant furnishings and fine dining. When the hotel’s name was changed to Julien Inn, they enlarged and refurbished it.Prominent figures that supposedly stayed in this hotel includes Abraham Lincoln, Al Capone (believed to be the owner of this hotel during his time) and Sylvester Stallone. After Al Capone, Louis Pfohl purchased and remodeled the hotel. Then, ownership changed and it is now Fisher Companies who owns the hotel.Again, further renovation is on the way for Julien Inn, with the intention of bringing back the original appearance and renovating its exteriors. It is still ongoing but after this, it will now be called Hotel Hulien Dubuque. </p>]]></content:encoded> <wfw:commentRss>https://gbyijiams.info/28/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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